WillisBack/dataset-financial-user-claim huggingface dataset:
Hi    XXXX   got my wrong date of birth from some sources.     To correct it I have se nt two documents ( DL & SSN ) to   XXXX  on  XXXX   XXXX .     They confi rmed over the phone they will update within 48 hours but after even one week they have not updated my DOB their customer service has no tractability about all the document and they are completely clueless why  they have not updated my DOB.       As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up.     Please help me to resolve this issue ASAP.     With Thanks  XXXX   XXXX
When paying for online services for some companies such as XXXX and XXXX you can only set up monthly recurring payments rather than pay for a year at a time. 
The timing of the charges is inconsistent and frequently is charged right before payroll direct deposits. 
When there arent available funds, Wells Fargo pays the company and then tacks on a {$35.00} over draft fee for transactions under {$10.00}. I have personally spent an hour or more in front of bank managers asking Wells Fargo to not decline authorization for these transactions when the account has insufficient funds. The Wells Fargo company policy specifically states that Wells Fargo reserves the discretionary right to decline these transactions. 
These arent critical services I dont want them authorized when there are insufficient funds. 
Not all vendors do this. If you attempt a recurring transaction on XXXX from XXXX and funds are insufficient the transaction is declined and service is suspended as it should be.
The interest on my Synchrony Bank Walmart credit card went up without any notice. The banks that own credit cards want to be able to do anything they want to their customers, hiking up the interest rates, since theyre variable.
I had insurance because i was XXXX at the time and i guess they didnt update it into their system and i received multiple letters saying that i have to pay {$3000.00} and {$2500.00}. The date for the XXXX was sent out sometime in XXXX XXXX  2017 and i believe the XXXX can about just a couple months later. There was just not enough information for me on why i was being charged this if i had insurance
I was modifying my mortgage loan with Carrington mortgage. The representative I was working with told me I had to stop making my mortgage payments in order to qualify for the remodification. I was told that the late payments would not be reported to the credit bureaus. I did so and the remodification went through. Several months later though I checked my credit and the lates had been reported and now my credit is suffering because of it. I 've contacted Carrington several times and they 've never called me back.
There is an account on my XXXX credit report from XXXX XXXX XXXX that was just added in the month of XX/XX/XXXX. The account is showing a status of open and last reported to XXXX on XXXX XXXX. However this account was never on my XXXX credit report until XX/XX/XXXX. Not only is this account reported incorrect but should have not been reported to XXXX at all given the fact that this account was included in bankruptcy and discharged on XX/XX/XXXX, and was only reported to XXXX which have it listed as closed due to the bankruptcy. I have put in a complaint with XXXX about this issue but did not come to a solution because they are stating that the information they have received is accurate when in fact it is inaccurate.
I applied for a loan with Argon Credit on line. I was ask to submit documents to verify identity, employment etc. I submitted all requested documents and was informed a decision will be made in 2 days. After 2 days they approved my loan for XXXX and sent me XXXX sign form to sign and send back. I signed the form which is binding and sent back. Later I was sent an email that I had been denied after they had approved me and obtained my signature. I call and spoke with a lady name XXXX who was rude and very unprofessional. Never heard of a financial company approving you for a loan get you to sign documents then reversing there decision but holds the loan documents with my signature. I would like legal advice on how to handle this matter my application could have been denied before I signed my signature. I still the signed documents in my email. Something is not right.
A lady from the debt collector phoned my father and gave him information, the phoned him a second time giving him the alleged case number on account that was closed in 2008. On that same day she phoned my mother and my ex mother in law.
I was only 2 weeks past due and an employee left me a voicemail and then when she thought she hung up she said " I am going to call her at her job '' a girl in the background said " who '' and then she said " XXXX XXXX XXXX '' I have the recording of her saying this. I then called them back and stated I was filing for Bankruptcy and then an employee told me that she would still garnish my wages if I did n't bring in a payment. They have called me every single day and left me voicemails. I just now have turned into a 30 day account and they are collecting on me like I am over 180 days. I work for a XXXX company as well and that is not how you treat customers. Especially ones who have always been current for 2 years and have just run into a hardship.
ONCE AGAIN XXXX XXXX XXXX AND XXXX HAS FAILED TO RE-INSERT MY ACCOUNTS BACK ONTO XXXX. THEREFORE NOTIFY ALL BUREAUS TO DELETE ALL MY ACCOUNTS AT ONCE OR BE SUED IN CLASS ACTION EFFORTS. XXXX  HAS SUPPRESSED MY FILE SINCE XX/XX/2015 VIOLATING THE 15 U.S.C. SECTIONg and you are violating the credit furnishers laws. 

see attached.
I checked my credit report and saw a {$250.00} collection from Collection Consultants from XXXX. I called XXXX and I guess there was a mistake with the billing as I was covered at the time. XXXX confirmed these would be taken care of and the collection would be recalled from Collection Consultants and deleted from my credit reports. As of today, it is still there. I contacted Collection Consultants who told me I need to pay them. XXXX has confirmed these are closed and recalled from the agency and would be deleted from my credit reports.
I applied for a short-term loan on XXXX/XXXX/16 and at the time of the loan I did not notice that the annual percentage rate is 607.3385 % and my total finance charge would equal {$3800.00}. My loan amount was only for a total of {$750.00}. I have had a total of XXXX payments of {$180.00} come out of my checking account. My payments are also made on a bi-weekly basis. I also found out that my {$750.00} loan will come out to be a total of {$4500.00}. After doing a bit of research, I found out that the annual percentage rate on this loan is much higher than the allowed annual percentage rate allowed to be charged to an individual. I was not aware of this until I began to do further research on this particular loan. I began to research this loan after I was attempting to get onto the Big Picture Loans website to see what I could do about making a late payment on my loan. My loan shows that it is through Big Picture Loan, LLC but is licensed through XXXX XXXX XXXX XXXX XXXX XXXX, an independent regulatory body of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and is operating pursuant to Tribal Law. I was not aware of the stipulations that are set forth for loan companies until now and I feel that this loan company has taken advantage of my needs by exposing me to an annual percentage rate that is astronomically over the allowed amount.
On XXXX XXXX, 2015 I can contact Syrchrony bank regarding my care credit and they informed me that they do not have my statements done anything to tell me what I old them I have n't received payment since flat I mean that payment statements is/year and they said everything was turned over to a collection agency and see which day are not able to update my account stating that I pay them if I pay a collection agency to agency to pay Leap be able to report it to the bank they should be required to update the system and show that payment has been made without the correct information being updated accordingly this could be lead to Fraud collection agency could charge me anything they want because it is no record to that affect I think that needs to be review how to handle their investigation and make sure that they are doing what they supposed to do as a bank into the in the credit card provider.
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; This is not my NAME : XXXX XXXX please removed XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # {>= $1,000,000} XXXX acc # XXXX XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX this is not my name : NAME : XXXX XXXX please removed XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX
The loan modification was completed and filed with the XXXX County Courthouse XX/XX/XXXX with the new payment of {$2200.00}. We have continued to make this new payment since XXXX of XXXX ( when loan mod started ). Home Point Financial has been our mortgage company since day one ( apparently the loan had a different service last year. HPF claims the last servicer didn't file the documents internally or transfer with the file. After speaking with them nearly weekly for the last 3 months I finally spoke with a Supervisor yesterday ( XX/XX/XXXX - XXXX ). He mentioned that the payments have been properly posted. However, unknown to him the underwriters still haven't made it official in their system which causes continued charges, fees, late credit issues and negative reporting with the credit agencies. 

Our credit ( both my wife and myself ) has gone down over 100 points since beginning this process last XX/XX/XXXX. We have never been late or missed one payment yet this continues. 

Home Point Financial Loan # XXXX Loan Mod # ( XXXX ) XXXX XXXX ( Supervisor ) extension : XXXX Enough is enough - fix the files, terms, and payments that both of us agreed to, signed and filed with the local courthouse. Also, the terms were to erase any and all negative credit bureau reporting.
Equifax breech. Their PR website for checking if you were effected by the data breech returns random results. My SSN is on some black market now because of Equifax, who I never choose to do business with, it 's required cause Banks and credit run the world.
I opened a XXXX account and when I tried to use it I discovered it was closed! 
The culprit : Early Warning Systems ( EWS ), the banking industry 's own credit reporting agency. I requested and receive " my '' credit report from them and discovered not only XXXX or XXXX bogus accounts BUT there is no way to contact these banks on these accounts directly. FISHY? Of course! All of these were posted under my social but are all/almost all belonging to XXXX different people. The only way to clear my erroneous record is to submit to EWS a detailed letter on each of the individual accounts. 
XXXX all provide the creditors contact info. EWS refuses to reveal these details. Surely this is to protect their own fraudulent practices. My bank record is CLEAN yet I will never have a XXXX account.
LJ Ross has sent me what is on my credit report. This not validating what I 'm asking. Moreover, I am asking LJ Ross Assoc to validate background information with respect to the described account numbers. Since deleterious errors may be contained with respect to what you reported, I formally request that you send all relevant data within the 30 days.In addition, show that the accounts was established legally. I want more than only a cursory account history. Instead, this is a call for a formal documentary review. 
If this documentation can not be provided during the time delineated here, data forwarded by you to the credit reporting agencies should not be considered truthful and may indicate L J Ross Assoc 's intention to violate applicable federal and/ or state collection laws. In that case, please erase those bureau reported immediately. 
I also ask that no info given is medical description because there are thing that I only want a doctor to know Under the Hippa
I have repeatedly advise her I was not able to be contacted at my work place however has continued to call.
Hi im reaching out because I have never went to this school, i asked for the original contracts and paperwork with my true signature, contract anything. instead i received a blotted out promissory note with electronic signature on file that i never gave consent. I have sent in 3-4 dispute letters to gc service collection agency asking for the papers with my true signature and they never produce it. however i have a XXXX. sent to my employer to have my wages garnished which is unfair because i have cooperated with GC services. can you please investigate this matter i have reached out to the apollo helpline that is with XXXX international school and department of education but they all are asking for my true signature that i refuse to give until see some paperwork that i have signed, i called my local police department and they said that there is nothing that they can do without some paperwork. please help thank you in advance.
Paypal close my business account for a vague, unspecified reason, and subsequently is " holding '' my funds ( {$120.00} ) for 180 days " just to cover potential chargebacks. This is an egregious encroachment of my financial rights. I've contacted them multiple times via phone/email, and received NO response or help. The aforementioned account was terminated XX/XX/2018. Paypal generated a " case number '' of XXXX ID : XXXX ... though they automatically consider my " case '' closed.
On    XXXX   XXXX     2017  I faxed a letter requesting validation of debt under my name and social security number, bearing a contract signed by myself in agreement to pay the debt owed. I received a letter from said collection agency stating they have validated the debt using a past due bill. I have no contract, no dealings, with the collection agency. The bill is not proof of contract to show that I entered into any obligation with the company and I have proof that I was not associated with the address listed on the bill sent as proof of " validation ''.
FIRST, I NEVER REQUESTED ANY LOSS MITIGATION ASSISTANCE ... ..I CONSISTENTLY AND SPECIFICALLY TOLD YOUR COMPANY TO STOP TRYING TO PUSH LOSS MITIGATION OR ANY ASSISTANCE ON ME OR MY ACCOUNT SO AGAIN DO NOT ATTEMPT TO PLACE ME IN ANY LOSS MITIGATION OR ASSISTANCE PROGRAM. ANY ATTEMPT TO PLACE ME IN ANY LOSS MITIGATION OR ASSISTANCE PROGRAM OR TO IMPLY THAT I REQUESTED ANY IS ILLEGALLY DOCUMENTED. 
Second, You have not addressed the high interest rate OR the correction of over {$1000.00} to my account due to your company CORRECTING ERRORS ... .. BUT MY MONTHLY BILL INCREASES. 
Third, Your company paid my taxes prematurely which cause all kinds of issues with my taxes although I showed AND told you that I have consistently paid my taxes to date with out any issues. The credit on my taxes is due to your error and now you want to me to " prove '' your error ... .. 
You sent notices to my tax department, with out permission ; so with the same correspondence you can contact them to view the credit on my account. I can not represent your errors. 
Sincerely, XXXX XXXX, XXXX/XXXX  Retired
I am personal representative of an estate and contested a bill in writing. The company never responded to the letter and although the contested amount was removed from the account in XXXX never notified me. I paid the amount through a direct debit on XX/XX/2016 and was assured a letter clearing the claim would be issued within 14 days, I called againXX/XX/2016 and was assured a letter with copy to me would be sent ( never received ) called again XX/XX/2016 and was promised a letter ( not received ). The lack of a release of the claim is not allowing me to proceed to close the estate.
I XXXX XXXX XXXX, obtained a " Interest Only '' Loan with XXXX XXXX inXX/XX/XXXX, and I paid flawlessly until notified XXXX onXX/XX/XXXX that I was scheduled to retire in XX/XX/XXXX and wanted a Loan with Payment on the Principal not just the interest by a Loan Modification. On XX/XX/XXXX, XXXX informed that the Loan was now being service by XXXX. 
XXXX steadfastly continue to ask for the XXXX  over and over while changing Loan Representatives whom continue to say the file is incomplete. When they finally offered a Loan Modification, it was based on MY SALARY, not my RETIREMENT BENEFITS! 
I listed the property to SHORT SELL, but XXXX kept refusing the offers, then the Mortgage was transferred to Carrington Mortgage Service on or about XX/XX/XXXX. 
I used XXXX XXXX XXXX XXXX of Florida to help prepared the Loan Modification Packages and after several Months of sending packages to different Loan Representatives, we finally assigned a thorough, competent Representative, XXXX XXXX, who informed my Representative, XXXX XXXX of XXXX XXXX XXXX, that the Underwriter denied the Loan Modification because my retirement income of XXXX and my non-contributing Borrower, and Spouse retirement income of XXXX was insufficient to offer a Loan Modification based on their Investor 's Guidelines. 

As Seniors we worked hard and retire only to be told we can not remain in our home after paying for 15 years XXXX plus to XXXXXXXX XXXX over {$320000.00} IN INTEREST ONLY!
My daughter XXXX XXXX is being listed as my spouse on my credit report. She is my daughter and not my spouse.
Last month I paid off the entire previous balance ( {$1500.00} ) and new balance ( {$11.00} ) of my Chase credit card ( a total amount of {$1500.00} ), 11 days before the statement closing date, bringing my balance to XXXX. However, this month I received a bill for interest on the previous balance that was paid off in its entirety ( Balance : XXXX, interest charged to me and due by XXXX XXXX, 2016 is {$11.00} ). My understanding is that if you pay off the entire balance before the statement end date, then no interest should be charged on the purchases. This is how it works with my Chase Southwest Credit Card and XXXX Credit Card. I called Chase 's customer service line twice tonight. The first time the woman was not helpful and argued with me and did not have very good English. I then told her I wanted to cancel my credit card and she made up some excuse that there was a long 10 minute wait to get transferred to someone else who could cancel my credit card. I then hung up with her and called back to try to get someone else and she also did not have good English and told me that all of their systems were down and to call back in 1 hour!! What is going on!!? This seems like fraud to me and I would like this investigated. I do not feel that I should have to pay interest on a balance that I paid down to XXXX 11 DAYS BEFORE THE BILLING CYCLE END DATE.
I was looking at my credit report and saw an address in my personal information that I have never lived. It was XXXX XXXX XXXX XXXX XXXX XXXX, MA. I have never lived in XXXX at any time.
XXXX is reporting a public record, Bankruptcy on my credit profile and that XXXX is obtaining that information from a third party data furnisher, LexisNexis. 

I contacted LexisNexis and disputed this information and then sent me a copy of my Consumer report which stated : After a reinvestigation of the data in question, LexisNexis was unable to verify the accuracy of bankruptcy case # XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your LexisNexis Risk View Report. 

I then sent my LexisNexis report to XXXX but they continue to report this public record stating that LexisNexis is continuing to provide this data and will not remove it from my credit profile.
First Complaint filed  XXXX - XXXX -2017. This is the second complaint filed because the bank lied in their rebuttal letter. I received a letter from Pentagon Federal Credit Union dated   XXXX    XXXX , 2017, hardship letter and another letter them charging me another attorney fee for being late. This Banking institution denied two home modifications and I have paid an enormous amount of money in attorney fees to their banking institution. In addition, to my mortgage payment that I am struggling to pay and my current payment arrears my home flooded on  XXXX - XXXX -2017 see pictures enclosed. Pentagon Federal Credit Union sent a modification application and a denial letter included inside of the application before I even had the chance to complete the forms. I have enclosed the hardship withdrawal letter that pentagon federal sent and the denial letter so this will be there third denial for a loan modification. This institution even has people coming to my house to see if I want to sale the property all hours of the night. There is a number listed on Pentagon Federal Credit Union to call   XXXX   XXXX   at   XXXX   and I have called 27 times since receiving this letter and no response. I feel unsafe to stay in the house because I feel that someone at this bank has it in for me and really want this house Please Help!!
My husband and I consolidated our student loans after we got married to reduce our payment size and interest rate. Now, he qualifies for a Public Servant XXXX. The XXXX applies toward all his loans except the spousal consideration loan. Most of his loans were included in the spousal consolidation. When he asked them to forgive his portion of the loans, they said federal regulations prohibit undoing the spousal consolidation loan. We would have never agreed to the consolidation if we knew it would exclude us from government programs. Why ca n't we restructure the loan? This has been a road block for many people.
These institutions are providing false, fraudulent and erroneous information to the  XXXX  credit bureaus which has damaged my person. I have lost job opportunities because of this and have been denied credit due to their willful negligence. I have filed a police report, filed an FTC Identity theft affidavit notarized, countless correspondence and my state issued ID like they have instructed me to do with no avail. They are still reporting fraudulent activity on my credit report. I am keeping detailed records of all correspondence that has been sent out via certified mail and will seek legal remedy to be made whole again. Remove the accounts I have detailed in my correspondence to your institutions. Govern yourself accordingly.