WillisBack/dataset-financial-user-claim huggingface dataset:
On Friday, XX/XX/XXXX, I visited the Union Bank branch at XXXX XXXX XXXX, XXXX XXXX, CA. I have a HELOC with Union Bank, with a balance of about {$15000.00}. I approached the teller and stated that I wanted to write a check from my XXXX XXXX XXXX checking account for {$2000.00} and apply against my HELOC balance. The teller instructed me to write the check payable to " Union Bank, '' which I did. The teller processed my check and I left the branch. On XX/XX/XXXX, XXXX XXXX XXXX XXXX online banking showed that the check was cashed by Union Bank. However, I did not see that this check had been applied to my HELOC account balance at Union Bank. I called Union Bank on XX/XX/XXXX and after the customer service department contacting the branch manager ( XXXX ), I was told that the Branch Manager was aware of this check and that the {$2000.00} payment would be applied to my HELOC balance " the next morning '' ( morning ofXX/XX/XXXX ). However, this amount was not applied to my balance the morning ofXX/XX/XXXX, so I called Union Bank customer service again. They ( again ) contacted the branch manager ( " XXXX '' ) who told the customer service rep that they were not sure what happened to the funds. They refused to talk to me directly. Meanwhile, I am out {$2000.00}. Thank you.
AMEX advertised to offer XXXX XXXX points after spending XXXX dollars in first 3 month for XXXX XXXX  credit card. I spent XXXX dollars but did not receive the offer. I called the about this issue. They said they told me I won't receive this offer during my application. However I did not find this item during my application!
I was an authorized user on a XXXX XXXX Credit card. I was removed on said credit on XX/XX/XXXX and requested that this credit card be deleted from my credit profile immediately. XXXX provided me with a letter that was sent to and I personally uploaded to all three credit bureaus dated XX/XX/XXXX, indicating that I was removed as Authorized user. Experian and XXXX stilled refused to remove account from my credit profile. I reached out to penfed again asking that another letter be sent on my behalf asking that this account be removed from credit profile immediately. XXXX sent another letter Dated XX/XX/XXXX, and further requested that this account be deleted but still Experian and XXXX still refused to remove account. I uploaded copeies of all letters to both credit bureaus on the same days XXXX sent them out, so I was assured they received the correspondence. I then called XXXX onXX/XX/XXXX and spoke with Account Manager XXXX ( ID # XXXX ) and he assured me the account was deleted as ofXX/XX/XXXX and said I should buy the XXXX   credit monitoring system to check real live updates to my credit report, which I did while on the phone with him. When I checked my credit my report on XX/XX/ the XXXX XXXX account was still showing. I called back on XX/XX/ and spoke with Account manager XXXX ( ID # XXXX ) who explained that I was giving wrong information and the account is still in dispute status. I explained there is no dispute as I have copies of all correspondence and XXXX has requested several times that this account be deleted from my credit profile. Account manager became rude and stated that I would have to wait an additional 30 days for results because XXXX sent another Request that this account be deleted. I have made every good will attempt to have this account deleted from my credit profile but I continued to be told false information as well as sold products I don't need. Experian has also refused to removed the account based off the same reason that each time a letter is submitted to delete an account they must add an additional 30 days which I know to be untrue as I verified with account managers on with both credit bureaus that all letters act only to prove or disprove your request. I am asking that this XXXX XXXX account be deleted immediately from Experian and XXXX as it effecting my credit to debt ratio, and prohibiting me from closing on my first home mortgage.
Credible got my financial info to " apply for a loan '' to refinance my student loan. The advertising was bogus, they denied me and denying me access to the reason for the denial.
Amount : {$550.00} I have repeatedly asked for evidence to support their reporting, but they have failed to provide me with a copy of any viable evidence with my signature substantiating their claims. Futhermore I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.
Noticed this account on my report and I 've never heard of this company or even know who they are collecting on the behalf of, they have never sent anything, just added this errenous account to my report as a collection.
XX/XX/XXXX, my father was in the hospital for over a month due to a XXXX XXXX. My father asked me to go to Macy 's to purchase a gift for my mother because she was so supportive during his health issues. I purchased diamond earrings using my Macy 's AMEX charge card. 
When my XX/XX/XXXX bill from Macy 's arrived, I gave the statement to my father to pay. Then, the XX/XX/XXXX bill arrived and I still had a balance. I figured my father 's check and the statement crossed in the mail so I did not do anything. 
When the XX/XX/XXXX bill arrived, I immediately called my father to see what happened to the payment. My father told me my mother loved the earrings but thought they were too expensive. He said my mother returned them so there should be a credit on my statement. 
After researching further, I learned that the Macy 's sales associate made the credit to my mother 's Macy 's credit card instead of mine. I immediately called Macy 's to explain the situation and XXXX removed the fees. I was then instructed to call Macy 's credit bureau to fix my credit issue due to this transaction. I spoke to XXXX who said it would take 45 days and should not be a problem. On XXXX XXXX, I received a letter from Macy 's saying they would not fix the problem. 
I am never late on my payments. I would like to remove this derogatory from my credit so I can move forward with my loan approval.
I had arranged to have a transaction with a person for some concert tickets. After texting and receiving a screenshot of the tickets to be transferred, I initiated a payment ( {$160.00} ) through XXXX. The person never sent the tickets and is now not responding to my attempts at contact. I contacted my bank, PNC, to see if this transaction could be disputed before it even cleared and was told that this is not possible. I was told that I should just request the money back from the person, which I have done, but them following through on this seems unlikely. I was surprised to find out that PNC offers no sort of protection for its customers in events like this.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
1. PROCESSOR FAILED TO COMMUNICATE EFFECTIVELY AND IN A TIMELY FASHION WITH THE MEMBER 2. PROCESSOR FAILED TO OFFER BETTER OPTIONS/PRODUCTS FOR THE MEMBERS NEEDS AND FINANCIAL SITUATION 3. PROCESSOR FAILED TO PROCESS MEMBERS REFINANCE IN A TIMELY FASHION - ALLOWED RATE GUARANTEE TO EXPIRE 4. PROCESSOR FAILED TO PROVIDE CUSTOMER SERVICE AND REQUIRED MEMBER TO REDO NUMEROUS ITEMS BECAUSE FILE NOT HANDLED PROPERLY 5. PROCESSOR FAILED TO CLOSE REFINANCE ( STARTED XXXX 2016 AS CONVENTIONAL REFI - CHANGED IN XXXX 2016 TO FHA REFI AFTER PROBLEMS/COMPLAINANTS - AFTER COMPLAINTS RECEIVED AN EXTENTION OF THE LOCKED IN RATE AND WAS TOLD THAT MINIMAL MONIES WOULD BE OWED FOR CLOSING DUE TO PREMIUM PRICEING ( CONFIRMED IN XXXX 2016 ) - TO DATE STILL NO CLOSING 6. PROCESSOR FAILED TO USE APPROPRIATE DEMEANOR WHILE CONVERSING WITH MEMBER AND PORTRAYED A NEGATIVE ATTITUDE AND FORCEFUL/THREATENING PERSONA THAT WAS NOT HELPFUL AND DID NOT PROVIDE OPTIONS, BUT RATHER HAD A TAKE IT OR LEAVE IT ATTITUDE 7. PROCESSOR HAS CAUSED MEMBER FINANCIAL HARDSHIP DUE TO THE DELAY IN CLOSING - ( REFI WILL SAVE MEMBER SUBSTANTIAL MONEY ) WE ARE EXTREMELY FRUSTRATED AND HAVE COMPLAINED TO THE PROCESSOR, AND AT OUR LOCAL BRANCH WHERE WE ORIGINALLY FINANCED OUR HOME, REGARDING OUR UNHAPPINESS WITH THIS PROCESS AND THE BANKS FAILURE TO CLOSE THE REFINANCE OF OUR HOME THE RATE SHOULD BE LOCKED IN AT 3.75 % ( FHA ) - WITH PREMIUM PRICING THAT WOULD PAY XXXX POINTS ( MOST IF NOT ALL OF THE CLOSING COSTS ) AS PROMISED - ON A {$230000.00} LOAN - PAYMENTS WOULD BE APPROXIMATELY {$1600.00} UNTIL NOW WE DID NOT KNOW AN APROPRIATE VENUE TO FILE OUR COMPLAINT - A FRIEND TOLD US ABOUT THE CFPB AND THAT IS WHY WE ARE JUST KNOW FILING THIS ISSUE.
I would like to have the judgment for {$930.00} ( XX/XX/XXXX ), judgment for {$39000.00} ( XX/XX/XXXX ), and the judgment for {$2400.00} ( XX/XX/XXXX ) removed from my credit report as I was able to have done with XXXX.
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under Phoenix Financial Services.. I requested a validation on XX/XX/2018 as there was 1 account that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.
Me and my boyfriend moved into XXXX XXXX XXXX on good standings.We paid our rent every month and never gave our neighbors any problems. My boyfriend is in a XXXX and we explained that to them. Everything was ok in the beginning until things started going bad with my neighbors upstairs apartment. The people upstairs had a bad leak that took them days until they decided to come fix it, they did n't treat the problem properly just covered it with paint and the problem kept coming back. We asked time and time again we put in work order after work order for them to fix the problem but they just brushed it off. Well due to their brushing the problem off, the walls accumulated mold which caused my boyfriend to catch a XXXX XXXX that put him in the hospital for many months at XXXX XXXX. We were not the only people that had mold and the apartments knew that. We stayed in our lease and told the leasing office about our situation and they still did not want to fix the problem or work with us. We did n't leave because we just wanted to, we left because it was a XXXX emergency We had proper documents from the Hospital and Doctor appointments. Not only that allot of crime was going on inside of the apartment complex and the leasing office felt like it was ok not to inform the residents on what was going on, my neighbors right next door and upstairs apartment got broken into and a lady three doors down got XXXX  and when I asked the leasing office what they were doing about it as far as safety, they told me it was none of my business and they did n't feel like it was a concern. Not knowing that I knew already that the man who did it stayed there and still had a gate card and a key due to another neighbor telling me what was going on. They had people running through the bushes running from the cops and one of the guys ran into my apartment as I was going in with my niece, when I told the leasing office about it all the lady said was " Awww I 'm sorry to hear that '' .The gate was never working and security was just letting anybody in. I 'm a female and my husband is in a XXXX it just was n't safe for us. Even though we was right down the street from the jail the police still take their time to get there.
There is a wrong address on my Equifax report. I have never lived at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX.
I still do no understand how EQ keeps coming to the conclusion that these public records need to stay on my credit report for 7 years when XXXX and XXXX have deleted both of them! What laws and rules do they use that bring them to this conclusion? Their dispute results say that they " verified '' this information with the courts, but when I emailed the court in regards to CRA reporting, they do NOT handle any of this at the court level. So who are they " verifying '' this information with? You claimed that you verified this and told me to contact the furnisher. You claim that the court furnished and verified the information. I did as instructed and they informed me that they neither furnished the information nor verified the information. They are the only ones qualified to make a verification regarding this alleged public records and they did not verify. You are allowing slander on my credit report. Verification according to XXXX Law Dictionary is ... averment that the party pleading is ready to establish the truth of what he has set forth ... .the examination of a writing for purpose of ascertaining the truth ; or a certificate or affidavit that it is true. So this means verifying information is sworn testimony and must be first hand knowledge. A clerk of courts , county recorder or XXXX XXXX does n't have firsthand knowledge. If someone verifies but does n't have firsthand knowledge then its not verification, its hearsay and hearsay is inadmissible and the court says is incompetent. Reference FRCA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) The court and all entities such as the recorders office have not been given authorization by me, nor was there a court order to verify to furnish any information my credit report. What you are doing seems very illegal and shady. You should be trying to help a consumer who is working so hard to repair their credit!
This is the 3rd time I have made a mortgage payment and the servicer called me back to statemy payment was returned due to a bad account # and I have 2 late payments on my credit report as a result. I called and made a payment and noticed that the payment had not been removed from my checking account. I called back and spoke to someone and he noticed that it was not removed and he reran and gave me another confirmation # of XXXX XXXX. XXXX XXXX, I received a call that my payment was not received therefore I spoke to XXXX XXXX - manager and she stated she would put in for the credit corrections due to an issue with their system.
On XXXX XXXX, 2017 I attempted to file a dispute for some inaccurate information for my XXXX XXXX credit card but the online dispute system refused to accept my dispute. Listed below is the basis for my dispute. 

On XXXX XXXX, 2017 I received a notification from XXXX stating that my XXXX XXXX credit card account was 30 days past due. When I contacted XXXX XXXX they informed me that I made my minimum payment of {$45.00} on XXXX XXXX, but I was given the late notice on my credit report because the late fee associated with my account was not paid. I requested several times to get and explanation regarding this but was told that my minimum payment for my card was approximately {$160.00}. I asked if that included the late fee and the customer service rep said no it was my minimum payment. I asked to speak a dispute specialist but the specialist refused to take my dispute and stated that I did n't have any basis for a dispute. I then asked for a review of my payment history to see if there was a problem and again was denied. I then contacted customer service again and spoke with XXXX ( # XXXX ) and she took the time to explain what was going on with my payment history. She stated that back in XXXX my late fees were removed by a previous representative. She then explained that a payment was missed in XXXX XXXX and I was given a {$37.00} late fee. I was then informed that my balance due for XXXX was {$120.00}. After a review of my statement I observed that my balance due included my regular minimum payment of {$45.00}, my past due amount of {$45.00}, and the late payment fee of {$38.00}. I made three payments in the month of XXXX to bring my account current so that it would not effect my credit. I made the past due payment for XXXX on XXXX 1 in the amount of {$54.00}. I then made the payment for XXXX on XXXX XXXX in the amount of {$54.00}. I then made the payment for the late fee accessed in XXXX and XXXX on XXXX XXXX in the amount of {$54.00}. This brought my total payment amount for the month of XXXX to {$160.00}, which a credit of {$34.00} should have been added to by minimum payment due for the month of XXXX. XXXX the customer service rep stated that the payment made on XXXX XXXX did not go towards the late fee as requested but instead they used that payment and applied it towards my XXXX payment. This then caused me to be accessed another {$38.00} late fee for the month of XXXX. XXXX also informed me that even though my account is closed and I can no longer add to my overall balance, that they were added any late fee accessed on my account to my overall balance and chagrining me interest. I asked her if that was legal and she could not tell me, but she did inform me that the late payment remark on the credit report was not for the minimum payment being missed but it was for late fees. If XXXX XXXX would have applied the payments as instructed then the account would be current.
For two years in a row now, my mortgage company has paid my homeowner 's insurance late prompting the insurance company to issue a cancellation notice. The mortgage company then responds with a threat that if no insurance coverage is active, new coverage will be purchased at an astronomical expense to myself. This year, the lateness of the payment has also incurred late charges for which I will not be responsible. The company is based in Alabama and is called ServiSolutions.
This collection appeared in my credit report out of the blue as of XXXX XXXX. There has never been any correspondence between this company and I, no records of any emails or phone calls regarding this collection. If it was a very old dept, why now after so many years. I require this fraudulent company to PRODUCE any documents or contract with their name on it next to my signature. I do not have any recollection of contraction with such company. Please get them to remove their dirty paws out of my pocket. Thanks. 

Here is the company name and details below this line -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Amount {$580.00} (
Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.
On  XXXX   XXXX , I sent the following letter to Equifax,  XXXX , and  XXXX   XXXX  ; asking them to correct errors that appeared on my credit report.  XXXX  has responded with a list of the corrections but I have n't heard anything back from Equifax or  XXXX   XXXX .
Dear Sir/Madam We received your collections letter dated XX/XX/XXXX. 

We had got the service from XXXX back in XX/XX/XXXXfrom XXXX XXXX we were assured that the service in XXXX would be superb and if not satisfied we could return everything back online iwithin 14 days for a full refund. 

Upon arriving in XXXX, XXXX the service was extremely poor. 

We called customer service on the 13th day and were asked to return all the equipment the nearest XXXX store which we did and asked the person there to cancel everything one of the phones we didnt have the box a XXXX phone so we decided to pay for the phone. 

He accepted everything and asked him also to cancel the service and we had also asked the customer service rep at XXXX to Cancel the account. 

We paid what we used and called it quits. 

Couple weeks later we receive a bill and I went to a XXXX store spoke to a rep who asked me to call th toll free number to inquire and were told the account was cancelled but there was an outstanding again I paid like XXXX $ on XX/XX/XXXX and was told no other outstanding. 

By this time I had already spent 10 manly hours calling the toll free number and visiting XXXX stores back and forth. 

Suorisingly a month later I get another bill so I make a call to XXXX where I was told I would get a call back in 24 hours after waiting for 1 hour talking to several CSRs but no one called me back. 

Once again we called about 4 times and visited the XXXX store 3 times and every customer care rep said that in the system it clearly says that we had said to stop thyou account then why was one number still not cancelled my question is how do I know what th CSR puts in the system and that one line was never used but we were getting billed fo when w had requested to cancel the account. Every time I was told that my bill would be adjusted and there would be no more payment that would be needed to pay but I kept on getting a bill after when that account was cancelled. 

I have seen this practice by XXXX and a lot of people have complained regarding this in the past. 

I am forwarding this email to my lawyer also for malpractice and the FCC. 

Kindly go their system where you will see how many we called after that now the bill from XXXX to XXXXand finally XXXX. 

Thanking you XXXX XXXX
American Express contacted my work after I had asked them not to call my work number as I am not allowed to receive those calls at work. They called the main line and then informed my assistant that they were AMEX looking for me. I had asked them already to remove my work number several months before that.
After years of my account being poorly managed and being forced to take my deferment because they say I have no other options. 
I contacted Sallie Mae Several times this year, to make sure I was in deferment and no issues. I used deferment to make sureXX/XX/XXXX was covered since I was going back to school in XX/XX/XXXX. I was informed that they would update my enrollment would be updated from the XXXX   and everything would be fine, I would just have my XXXX in-school payments to make. On MondayXX/XX/XXXX I called again, since they are calling my co-signer and harrasing him and slandering me. I called Sallie mae and was told I was two months past due and informed her I am in school..please check the XXXX XXXX. She told me I had to submit a form and I told her " no '' you can go to the XXXX XXXX and check it! I am not putting up with anymore delays by you. I was put on hold, she checked it and told me she saw it and would submit a form for the update. 
XX/XX/XXXX XXXX ID # XXXX calls my co-signer and tells him that I never pay my bills and this account is so far delinquent. That I have never made any payments. She has slandered me in every aspect and released who knows what else. 
XX/XX/XXXX XXXX XXXX ID # XXXX I call back to see what is going on with my account since I have just been slandered, they are harrassing my co-signer and I have done my part to handle this account. I was informed the previous person never submitted anything. Nothing has been updated. 
I am beyond tired of being lied to and slandered by this company, now I do not have the credit to able to move these loans somewhere else. They are no competent enough to do there own job!
MY house was foreclosed and sold and now own supposed to be by XXXX XXXX XXXX, now CARRINGTON PROPERTY SERVICES sent me a letter it is not my property anymore.I have the original DEED OF TRUST, and XXXX XXXX XXXX . 
can not VALIDATE my loan # XXXX.