WillisBack/dataset-financial-user-claim huggingface dataset:
I took a hardship withdrawal from my XXXX account and the funds were sent via ACH from XXXX XXXX XXXX to Commerce Bank. Commerce returned the check when funds were available causing an additional hardship as the monies were for repairs on our home and medical expenses. ACH received on XX/XX/XXXX, Check presented on XX/XX/XXXX and returned the check on XX/XX/XXXX. My wife returned early from being with our son in North Carolina and I returned early from a business meeting in XXXX as a result of this check for {$21000.00} being returned. 
A call was placed into Commerce on XX/XX/XXXX to the personal banker, no reply. No letters or information has been shared previously indicating that our account was subject to any set off, etc.
This is not my debt it is reporting to all three credit bureaus and the account has been sold to this collection company and it is hurt my credit
I called Navient to request income drive repayments or other options for my private loan due to me being in school again and having low monthly income and they offered me a 'Special Program ' loan repayment, which would be considered under forbearance for that option as they stated that was the ONLY option for me for making payments of {$250.00} per month. When that loan repayment option expired for me at 6 months, they canceled my automatic payments and then when I called them to request my options, they stated that there was a new forbearance option for me to pick with a one-time {$100.00} payment over 3-months but that I only had 5 months of forbearance. They never gave me that option at the beginning of the initial 7 months of my forbearance, yet I did my due diligence while struggling to pay {$250.00} per month for the initial 6-months of my forbearance, which they gave me as the ONLY option. When I asked why did they do this, the representative & the manager from their collections department stated that " We don't have to give you or mention any other options to you, even if you ask. We don't even have to give you any income-driven repayment options or provide you any other forbearance options in what we tell you. '' The manager then gave me an option of doing an interest-only payment option of {$350.00} per month over 6-months which would NOT be considered under forbearance as she stated, which I agreed in order to not use the remaining of my forbearance of 5 months I had left as that manager stated. When I got off the phone with that manager and went through the phone system agreement and back to the regular representative, that representative stated to me that actually those interest-only payments over those months would be considered forbearance for me, which I had already agreed to supposedly. I was extremely frustrated and felt manipulated as a consumer trying to just pay my loan responsibility. I felt Navient failed to treat me respectfully or with any understanding. They only confused me and failed to take any consideration of my financial situation, which I felt they did not care at all throughout this whole situation.
XXXX XXXX XXXX had a repayment plan in place when her loan was transferred from XXXX Mortgage Servicers to FCI Lender Services. FCI failed to honor the repayment plan approved by XXXX, and moved the homeowner to foreclosure. 
XXXX sent an email to FCI confirming the repayment plan, and FCI still failed to honor the plan approved by XXXX.
I was given a charge that was not valid on my capital one account, and it was reported that the charge was late, and I was never notified of the late charge, and said charge was then listed on my credit report. When I notified Capital One that the charge on my account was not my fault and a mistake, they corrected it and even credited my account the late charge they charged me, that I paid, but refused to report their mistake to the credit agencies stating that I was still at fault. Which confused me, because they reversed the late charge and credited my account. I want the late status removed from my credit report, because I'm trying to buy a home and this blemish is hindering my credit rating. 

Please help with this dispute, thank you, XXXX XXXX
Experian has not responded properly to my demand letter, I am not asking for verification thru your automated process, I am lawfully demanding PHYSICAL PROOF, completeness of record for the accounts I listed in the attached letter. 

In the court of law we will need to prove a record to it 's fullness as being COMPLETE. This is what I am requesting and that the accounts which are damaging my reputation be removed until or unless there is a complete record for the accounts mailed to me. 

Your negligence to remove these accounts pending your investigation will result in civil action. 

I thank you for your time and consideration.
Westlake Financial responded to an initial complaint file through XXXX with inaccurate information. Westlake Financial stated that they emailed paperwork, for a differed payment that they proposed, to my email address and stated that they had not way to get in touch with me to follow up. Westlake financial did not send anything to my email address and only responds to emails with an automated response. As a result of this, they are now claiming that my account is 57 days past due ; making it also virtually impossible for me to pay my account as they have denied me online access.

Westlake financial has my address on file as well as my email address and could have used either to contact me.
1. The account was set up for automatic payment. For several months you withdrew money from the XXXX account and also billed my company. 
2. It took multiple, lengthy phone calls to get this fixed. Each time were assured that the problem had been solved only to discover the next billing cycle that it had n't. 
3. Further, rather than withdrawing the actual amount due you withdrew a fixed amount ( {$440.00} ) each month - regardless of the amount owed! E.g. the statement for payment due XXXX XXXX showed a balance of {$95.00} but you withdrew {$440.00}, creating a credit of {$340.00}. The statement received yesterday shows charges of {$59.00}. But instead of reducing the credit balance by that amount you again withdrew {$440.00} from our bank account thus increasing the credit balance to {$720.00}. This is ridiculous. 
4. When we called to get this corrected your representative told that Citi has no way of netting current charges against credit balances. If true this is absurd. 
5. As to your telephone service, I can only say that it has been terrible. When we called to clear up this mess ( two times today alone ) we first were put on hold for more than 15 minutes before reaching a representative. He/she listened to our complaint, said that we needed to speak with a different office, and put us on hold. After another 10 - 15 minutes on hold we were disconnected. We then called to cancel the account. The same thing happened.
In XX/XX/XXXX we took out a reverse mortgage with Financial Freedom, everything went well until my husband was diagnosed with XXXX XXXX XX/XX/XXXX. He was in XXXX from that time until XX/XX/XXXX when he passed away. I had trouble trying to adjust from XXXX incomes to XXXX. About 6 weeks later I had found a job, but on XX/XX/XXXX. I was walking near my home when a car came speeding around the corner and hit me as I was crossing the street. XXXX and I had to have XXXX plus other complications. During that time my home insurance was canceled because because our hot water heater went out flooding the garage. The insurance company decided that the law of probablities stated that we could have another incident after 7 years and they cancelled the house insurance. I immediately contacted another company and put the same insurance back on my home. I set up the payments to come out of my checking account. In 20 minutes there was new insurance on my house, What I did n't know was that Financial Freedom had turned down the new insurance that was just like the original insurance and they had chosen to replace it with their own coverage which was twice the amount I was paying. I was unable to see what was happening and after several months there was a huge bill building up. So I tried again with a XXXX XXXX and the same thing happened. I am back on my feet and paying. I went to pay the taxes and they had already paid them! They never contacted me. Now I have an outrageous bill. XXXX. They are foreclosing by XXXX. ; For that amount of money I loose my home which I planned on living in til I die! I want an opportunity to pay them back and they have declined unless it is for the whole amount. Also the insurance payments should be charged at a normal rate.
After calling equifax, XXXX, and XXXX on many different occasions to resolve my childsupport being reported as owed and it is not owed they are still violationing my rights per the FCRA by reporting the false information. They are also hurting my chances of obtaining any credit by falsely reporting incorrect information. I sent faxed XXXX and equifax the letter my case worker sent me stating that I do not owe anything and I also uploaded it to XXXX but once calling XXXX they said they didnt receive it. XXXX and equifax are saying they cant delete it with the letter which is proof that I do not owe anything in childsupport. I have paid on time for several months and I became current in XX/XX/XXXX. XXXX told me to get in touch with my case worker again to see if she did her part. She insured me that she has done everything she needed to do and its the credit bureaus that havent done their part. By reporting this childsupport not only are they violating the FCRA rules and regulations but they are also hurting my character. I have tried calling and calling the credit bureaus to resolve this promblem on numerous of occasions and they have yet to comply with the FCRA rules. The credit bureaus can not continue to report inaccurate information on my credit file. The law is very clear as to the civil liability and the remedy available to me, FCRA 616 & 617.
myEquifax website did not allow me to place a free credit freeze as permissible today required under federal law. I was prompted with incorrect identification information and unable to re-login using my account. Equifax believes that I have auto and installment loans from a credit union, but this has never been the case ever. As I logged out upon noticing inaccurate information, I am now unable to log in at all and get the response " We are temporarily unable to complete this request. ''
Applies for payday loan for XXXX They take XXXX every 2 weeks. So far they took 7 payments out totaling XXXX! I guess I still have 13 more payments to go with this loan. Is this legal with such a high interest rate? A friend told me to look into this
Bank of America took {$4700.00} out of my personal checking account today without my authorization. I called to get information as well as get my money back, they told me it was for an unpaid business credit card I opened in 2014. I told them I never opened a business or personal credit card with them and to put the money back into my account and conduct an investigation. They told me they will conduct an investigation in XXXX to 90 days and will not give me my money back until the investigation is complete. I feel helpless and I do n't know what to do. Please help.
the XXXX as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.
Equifax continues to report a Fraudulent Collection from XXXX XXXX XXXX {$2500.00} after the Collection Company XXXX XXXX XXXX has requested by letter to have the incorrect information removed from my credit report. I have attached the deletion letter from XXXX XXXX XXXX and I have called Equifax to request removal of the fraudulent collection which they refuse to do so knowing it is incorrect information being reported. 
I have disputed this issue with Equifax and provided the deletion letter to them also. The other two credit reporting agencies have removed the fraudulent account but Equifax has not and refuse to do so.
I have been sending echecks to XXXX for years, on time. I was contacted on XX/XX/18 by phone stating my XXXX payment wasn't received. Even though at the time, and still am recovering from XXXX, I called the number for their customer service. I spoke with someone and told them about my XXXX and was baffled why this was happening. Nothing had changed and I had writing and verbal confirmation from the paying bank that the payment was received. I also just sent a photo shot of confirmation of payment received directly from XXXX. They continued to harass me even after I sent them proof from my bank that payment was received. They told me my credit score was going to change. Also, on my first call, the customer service representative wanted all my banking information?? When I called my bank they told me that the representative should never have asked for that information. I believe since my payments were always on time and this was a zero percent interest account, they are trying to get late fees and raise my interest to get the interest they getting get because my payments were always on time. I have it set up as echecks from my bank. 
At this point in time, they continue to harass me saying my next payment wasn't received again! I have proof that it was. 
I would like this situation immediately remedied so I can transfer my balance to a reputable company! 

Thank you
I applied for refinance to lower my interest rate to my current mortgage company. When i submitted my application, where i mentioned specifically how much my early income with a proof ( last two years of XXXX, and pay stubs ). They were well informed about my yearly gross income despite, they went ahead and appraise the house in order for them to decide whether I can get a lower rate. And my house appraisal went higher than expected. But they denied my application based on their automated scoring system, saying, my debt to income ratio is too high and therefore my loan scores ineligible. Why they had to go through appraisal of my house and made me pay XXXX dollars when they knew my income ratio does n't qualify for refinance to lower rate. I was informed at the beginning of my application that i would not be charged any money. But they charge my XXXX XXXX dollars for appraising the house without my consent because i was told that i wo n't be charged any money if i do n't get approved. I had to include my credit card for the application fee. I was told i would get refunded my application fee if i do n't get a approval.They indeed refunded my application fee but not the appraisal fee. they should not have done the appraisal at first place knowing my yearly gross income. I think they were deceptive, dishonest and unethical banking practice.
After Chase approved me for an XXXX card but then did a soft pull and closed my accounts. Because I have good credit, pay my bills on time and do not make them lots of money on interest ( only interchange fees ) I was a risk bc I use my good credit for the many perks all of the banks offer with their credit cards. I can not help that their cards are not worth spending money on, and that the perks of paying the annual fees are the only reason to keep a card open, short of their UR earning cards. I am not a risk, my husband earns enough to justify our spending, yet Chase closed all of my cards bc they felt we were a risk ( not profitable enough which is a shame ). The real problem here is that I am not profitable to them, as I do not pay interest in their scheme and am able to pay my bills on time. I want the opportunity to earn the XXXX bonus ( the fruit that they hang to the poor consumer that doesn't know any better ) or I want every annual fee refunded.
I have notified Wells Fargo New Mexico, N.A. in writing three times that the replacement chip credit card it sent me was never received. I did not request the card, but WF will not take action to replace the missing card without forcing me to endure endless telephone conversations followed by sales pitches I do not have time for. 

I have spent time on the phone with WF verifying my identity and correctly answering security questions, but WF still will not 1 ) acknowledge my report of the missing card ; and 2 ) commit to replacing the card without requiring me to endure more endless telephone calls and sales pitches. 

Please instruct Wells Fargo to send a new card and stop requiring me to use antiquated, inefficient voice telephone systems to resolve a problem which I did not cause. 

Thank you.
XXXX is issued class action settlement because of inaccuracy and false information. class action what adverse action removed from credit reports.
Up until XX/XX/2018, I have always paid extra money for my monthly mortgage payment. The extra money would be credited towards principle reduction. In XX/XX/XXXX they made a change to this. They credited my extra payment towards the following months principle and interest. I called them to rectify and asked them not to use extra funds towards the next months payment instead use it to reduce my principal.

They did the same for XX/XX/XXXX and XX/XX/XXXX where my extra funds were used towards the following months payments and not towards principle reduction. 

the Company is Freedom Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX Mt. XXXX, NJ XXXX United States Lender NMLS ID : XXXX
On  XXXX   XXXX ,    2017  I requested Experian to remove unverified accounts listed on my credit report. They stated in writing that my accounts was listed as " verified '' accounts. The following accounts were " reported correctly '' I would like to know where are the documents that Experian used to verify these accounts? What is the name of the individual, their business address, and telephone number. However, Experian sent me a letter dated,  XXXX   XXXX ,  2017 , starting that they refuse to reinvestigate. Please have them remove all unverified accounts, or sent proof of validation.
Continued Contact after verbal confirmation of wrong number. Misrepresentation of action taken to " close the account. Rude and unprofessional conduct during phone call in the effort to collect a debt. Failure to provide verbal notice of attempt to collect a debt during both inbound and outbound communication.
I currently have a home loan with my ex husband with PHH Mortgages. We filed for divorce and in the divorce decree he became liable for the home and paying the payments. He ended up missing XXXX payments which effected my credit fairly substaintailly. when I became aware of the late payments, I ensured that the account was up to date and have since. I presented to them that I have the legal documents that he is obligated to make the payments each month and that I am not responisble for the payment. I asked them to remove the XXXX dings on my credit and they would not. I offered to present the paperwork and they still would not. The home is now being sold. I even filed with XXXX as a discrepency and they would not remove it. I would have never let these become a late payment. I was not even notified as they had all of his information in the file.
On XX/XX/17 XXXX XXXX called me and wanted to know if I had applied for a XXXX XXXX card. I said " no '' and stated that this was a fraudulent application. Needless to say this inquiry is reflected as a hard inquiry on my XXXX credit report. I called XXXX XXXX  and they told me that they had notified the three reporting agencies about the fraudulent inquiry and should be taken off my credit report. To this date it is still reflected on my XXXX  report. My patience is now exhausted
I rec 'd a letter on XXXX/XXXX/15 from TD bank informing me that the bank was to begin charging {$4.00} monthly fee on my XXXX account on XXXX/XXXX/15. I am appalled that a bank would begin charging fees before contacting me and allowing a period of time to move my funds if I were to choose to do so to avoid the charges.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. Please help me get these items off my credit report so I can move on with my life. I really need attention to this matter as I now have full custody of my XXXX year old son and need to get this resolved. 


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Fay servicing took over my loan XX/XX/2018 from XXXX  ever since day one i had a problem..fay servicing hold all my payments in a suspended account at the same time calling me saying i behind in payments ... XXXX told me to send XX/XX/2018 payment to them and XXXX would transfer the money to fay servicing ... .XXXX never transfered the money XXXX XXXX at fay servicing told me dont worry she will retrieve the XX/XX/XXXX payment from XXXX ... .XX/XX/XXXX fay servicing calls me saying i amXXXX behind in payments fay servicing was holding my payments in a suspended account and harassing me at the same time about the same payments i made..fay servicing told me escrow was low because my taxes went but this is a lie.then fay servicing told me i was behind in escrowXXXX dollars and have to raise my payments XXXX..The XXXX was forgiving by XXXX XXXX  during the modification negotiations and finalize in XX/XX/2018. Now XXXX and fay servicing are running a scam manipulating the amount of principal owed and fake escrow shortage i am XXXX the reason i had to modify and believe this is discrimination not to honor contract and manufacture problems to change the terms of my modification ...
I have spent 39 hours on the phone on 21 different occasions with this company. They are reflecting 2 missed payments but can not tell me where they are. The only way I found out about this was when I pulled my credit report two years ago. Yes, I have been arguing this out with them for two years. They are telling me that they can not find any missed payments and sent me a printout of my account history that can only be deciphered by an accountant, which I am not. I sent them a " Qualified written request '' on XXXX XXXX, 2017. I received a letter back stating that they could not sent me the information requested because it was too broad. I am in tears at this point and need it to be taken care of.
Worth Finance mailed a random check to my home address, at the time XXXX XXXX XXXX, XXXX XXXX TX. XXXX XXXX the check was cashed. I knew nothing about the check and told them this when they came to my door. They put the debt on my credit report status closed in the amount of {$1100.00}. I have tried since XXXX to pay the balance and was told No I had to now pay {$3000.00}. I spoke with XXXX on XXXX/XXXX/XXXX who remember speaking with me in XXXX telling me again they would not allow me to pay the balance. I can pay {$99.00} a month, I told her I wanted to pay the balance of {$1100.00} and a letter stating the debt was paid in full. XXXX then stated she could not hear me so I called from my work phone. when she answered and I repeated I did n't think it was fair for their company to ask for XXXX on a closed loan, She then stated that the balance was not {$3000.00}. but {$2500.00} and it was lower then that in XXXX XXXX. I asked for a supervisor because as I explained to her. If the balance of this loan was less then XXXX in XXXX do n't you think I would have paid it. I am calling from my work number, which I gave her to give to her supervisor, which she stated was out of the office until XXXX/XXXX/XXXX. when I disputed the debt with XXXX XXXX, there was nothing done because they are one of Worth Finance main resources.