WillisBack/dataset-financial-user-claim huggingface dataset:
I have derogatory mark on my file from XXXX XXXX. I called and got a pay off amount a good while ago and paid it off and suddenly they say I owe $ $ XXXX-If I were paying them off why would I not pay {$2300.00}? This is an error and I want it removed from all XXXX credit bureaus as paid in full. Thank You
Throughout the course of the last 4 years I have received prepaid Visa Debit Cards as a bonus for purchases I have made. Because I live in XXXX and was unable to use these cards they expired. The total amounts are approximately {$300.00}. I tried contacting the issuer of the cards and was advised that they are unable to extend the expiry and that I was basically out of luck. I am respectfully requesting your assistance. 

Feel free to contact me so I can provide you with the necessary information. 

XXXX XXXX
Coinbase, without adequate warning, restricted access to my accounts both with Coinbase and their sibling company, XXXX. 

I have been unable to log into XXXX for nearly 20 days and as such my funds have been held hostage. I have done everything they have asked me to and yet I get nothing but silence from them. I can not see or verify that my funds are safe, nor am I able to transfer money or other digital assets in, or out, of their service. 

I hear horror stories that some people have to wait upwards of over a month before getting their cases resolved. I consider this criminal! There are significant tax and financial implications as a result of their behavior.
City of XXXX. property tax dept. notified me of a refund for XXXX prior years available to me. I was given by the city all the steps to obtain this refund and notified M & T bank/ mortgager and obtain all needed documentation from M & T Bank and sent everything to the XXXX . Property tax revenue dept. I obtained lettered permission for the refund to be sent to me by M & T bank. Followed up to find process/and check was approved but notified that the check will no longer come to me but to M & T Bank per a petition filed by M & T Bank on their own after my petition was submitted. Per the city the check was made out to M & T Bank and has already been sent to them. The bank denies the submission of an alternate refund request and denies of any change in payee. M & T states they will keep the check and not sent it to me but place it into my escrow account and will do a 2017 review and lower my mortgage payments for just one year instead of returning the refund. The bank continues to deny why the switch happen and continues to deny any check received from the City of XXXX Revenue Dept. I have documentation of the approval letter from M & T giving the Dept. of Revenue permission to send the check to me. I believe this is a fraudulent move by the bank to obtain funds for property taxes for a period of 3 years totaling over XXXX dollars that has already been paid through my past and present mortgage payments. I suspect that I am not the only person to expeirence this bate and switch. The City of XXXX Dept. of Revenue and M & T bank are blaimiing each other for this event. Numerous calls to Bank and Dept. of Revenue for the City of XXXX. has not fix the issue above. I need assistance to get the full amount issued to me. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX
FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to medical issues ) our family experienced a hardship and was forced to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially more viable. I am being discriminated against due to a government requirement to be late on a. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.
original date of plus loan XX/XX/2007. paid for many years. I am a XXXX with limited income. I have called and spoke to several customer service agents. loan as been deferred many times. it seems like they like when I do that. the accrued interest on the loan is the same as the loan itself. when XXXX sold to navient, consumers do not have a clear print out of how much money you paid. its an upward climb. and the interest rate is so high. there is no one at Navient that can really advise you to help pay this loan, or write off some of it so you can set realistic payment plan.
For my XX/XX/XXXX statement, the minimum payment of {$27.00} was due on XX/XX/2017. On the due date for my payment, I made a return to the store and received a credit for {$42.00}, which is more than minimum amount due. I was still charged a late payment fee even though I had made the payment, in the form a return, by the due date. Comenity Bank has refused to reverse the late payment fee.
I sent a certified letter of request to all XXXX CRA 's in XXXX, XXXX, to remove from the record a XXXX, XXXX, Chapter XXXX bankruptcy. I based this request upon having first disputed the public record in XXXX, XXXX, to verify the public record, and then again in XXXX, XXXX ( Experian XXXX ), as to its source of verification. All three CRA 's stated that each has verified the source that furnished the information and that " the public record is reporting correctly. '' I then reached out to the US Bankruptcy Court of Arizona to request how it reports bankruptcies to all three CRA 's. I received a detailed letter dated XXXX XXXX, XXXX, from the Deputy Clerk of the US Bankruptcy Court of Arizona, XXXX XXXX, in which he states that " the bankruptcy courts do not provide information to the credit reporting agencies, '' and credit reporting agencies and " other providers '' get their information gleaned from public notices. I sent a copy of this letter to each CRA, along with a copy of the FTC-FCRA Opinion XXXX legal statute generated as a result of matters such as this in which CRA 's argue each has verified the public records with the source, but the actual sources argue they never furnish public record information to any of the CRA 's. When I called on each CRA to immediately remove my bankruptcy public record as a result of the letter from my bankruptcy Deputy Clerk and the legal statute protecting consumers from false information being reported by CRA 's, only XXXX deleted the bankruptcy public record. Both XXXX and Experian, although promptly responding within 30 days to my certified letter request to remove the bankruptcy public record, as a result of my written request denied it with only a result of that the record remains, and that " I must contact the furnisher of the information. '' Frustrating! Aaaaargh! However, again, I did this to begin with -- hence, how I received a letter from the US Bankruptcy Court of AZ in the first place stating it does not furnish information to the CRA 's, and so I provided a copy of this response to each CRA. Again, only XXXX promptly deleted the public record. Both Experian and XXXX either will not or denies there is enough evidence from me to have them delete the record. XXXX even went as far as to state, over the phone, that I need to have a legal letter of expungement from a court to have this public record deleted. This is absolutely false and untrue. This is a direct violation of the XXXX FTC-FCRA XXXX legal statute protecting consumers. Each CRA has a copy of the letter from the US Bankruptcy Court of AZ. What more damning evidence does Experian and XXXX need before it promptly and legally deletes this public record from my credit reports? I am simply dumbfounded by what I can only construe is arrogance and a staunch stance by Experian and XXXX to not remove this public record in spite of evidence showing each has lied or misrepresented itself and thus is refusing to acknowledge the XXXX FTC-FCRA XXXX legal statute regarding my dispute as well as the letter from the US Bankruptcy Court of Arizona.
I applied for refinance with XXXX XXXX XXXX, rep was XXXX XXXX NMLS # XXXX ( XXXX, CA ) in XXXX 2015. Simple transaction. Company took two ( 2 ) months to process, did n't respond to questions, kept getting bounced around to several people during underwriting without any explanation, kept asking for repeated documentation proving income, which I provided. Documentation exceeded any reasonableness, something was n't right with their procedures and processes. 

I kept having to threaten to cancel the application and go elsewhere, then Discover rep would call and last minute and say everything was ok and not to worry, while time was wasting away when I could have gone elsewhere. XX/XX/XXXX rep XXXX told me all documents were ok and I was approved and to set closing date and asked to be put in touch with my closing agency. Then the rep and company people involved went missing again, no response to emails, meanwhile my intent to close in XXXX was at risk with fixed rate. I sent dozens of emails over course of three weeks. 

Company then mass emailed me and other consumers saying the Company had " ceased '' lending operations ( went out of business ) but would process my loan as I was already in the system. But, then rep then called that same day and said my application would n't be processed. Insanity. This is the most inept company I 've ever dealt with in my experience in mortgage lending, absolutely disgraceful experience. Total mismanagement. I would avoid having any business with " Discover '' if in the company name. The company and reps should be reprimanded for their poor and sloppy performances in providing service. Company still owes me refund for {$400.00} for appraisal.
I just received my credit report from Experian and it is showing a XXXX/XXXX   acct that I closed in XX/XX/XXXX and paid off in full using the XXXX XXXX as having a ( C ) for collection in XX/XX/XXXX. This account was never used or had any balance after the XX/XX/XXXX-XX/XX/XXXX time frame so there is no way that I had a collection at the date and time listed. It was also requested to be closed at that time and clearly based on the data on my report it was not done. I called XXXX and they are saying even with the use of my SS # there is no recollection of my acct or proof that I had one. So they simply cant help me with this matter. This is a derogatory mark on my credit that was done in error and I would like to have this resolved as soon as possible. I have worked so hard to improve my credit to where it is now and I am very discouraged to find this on my current report.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. 
I dispute the XXXX Account # XXXX, Opened XX/XX/XXXX because that item was opened by someone who stole my identity and it is inaccurate. As required by section 611 of the Fair Credit Reporting Act, a copy of which is enclosed, I am requesting that item be removed immediately to correct the information. 
I previously disputed this item with all three major credit bureaus and that account was DELETED from my XXXX  credit report in XX/XX/XXXX ( enclosed ). XXXX  advised me that they informed XXXX of that fraudulent account, however the XXXX Account # XXXX still shows on my XXXX file. 
Finally, I resorted to file a complaint with the Consumer Federal Credit Bureau because I believe that both the retail store bank and the credit reporting agency have violated my consumer credit reporting rights. 
Please investigate and correct the disputed item as soon as possible.
comerica bank charged abusive fees despite I have direct deposit with them, not only charge the XXXX overdraft but also a XXXX per day you have insufficient funds, plus charged an extra returned tem fee which dont know where it came from a total of XXXX only in fees because of three monthly charges and insufficient funds, what abusive practice of working people like me that live on day by day Budget. : - (
Company continues to violate FDCPA. 

Case number : XXXX Related Case Number : XXXX Please read prior response they submitted to initial complaint. Not only have they not removed this from my credit files, but they continue to confirm this to the credit bureaus. I have confirmed this with XXXX and XXXX as of this date, XXXX/XXXX/2016. 

Company responded : Sentry Recovery and Collections, Inc. said : Explanation of closure Given XXXX claims that the amount assigned for collection was not accurate and the original creditor 's failure to contact Sentry in response to its attempt to investigate XXXX claims, Sentry has closed the debt and returned the account to the original creditor. Sentry will also dismiss the lawsuit that was filed against XXXX XXXX for collection of the debt. Sentry however, remains adamant that there was no FDCPA violation. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Nevada Case Number XXXX Department XXXX Shows this debt is not mine as the case was dismissed. Employees of Sentry Recovery and Collections continue to pose as a " legal '' department at location XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NV XXXX. Employee XXXX, as well as the front desk secretary have used manipulative and threatening tactics stating that the credit files will not be updated until I pay the debt that is proven not to be mine. 

I have proof of contact via phone through billing statements, as well as stopping at the office on XXXX/XXXX/2016 at XXXX XXXX to attempt to get a paper to send to the credit bureaus with the response being that XXXX was " out to lunch '' and then after I said I would wait, that " I need an appointment. ". 

These complaints will be brought forth in response to the illegal activities in the appropriate forum if I do not have proof that this has been removed from my credit file by Monday XXXX/XXXX/2016.
I previously had an installment loan with Sun Loan Company. I renewed my loan on XX/XX/XXXX, which made my payments now due on XX/XX/XXXX. I had never been a delinquent customer and have always been in good standings with my pervious loans with this same company, never once asked for a reminder call or need one for when it came to making my payments. But for some reason once I renewed this loan shortly just a week after renewing I received I reminder card in the mail, then another week and few days after that I received a call on XX/XX/XXXX " reminding '' me my payment was due on XXXX. At this point I was confused on why I was receiving these reminders when I did n't ask or give permission for them. When I called on XX/XX/XXXX I asked for the manager, who was out for lunch. The young girl asked if she could help me, I told her who I was and I was calling to make a payment but first I wanted to know why I was getting these reminder calls when I did n't consent to them, and a company like that would n't they rather work on collection their bad debt rather than calling someone who has always been in good standings with the company. The employee then told me they ca n't field work their bad debt anymore and they its not illegal to give me reminder calls, I was trying to express to her how its not illegal but if I did n't give you the consent to do so and if I 'm asking you not there then the calls should n't be taking place. The call then escalated and the employee kept talking over me, so I disconnected the phone. Deciding to go another route with my complaint. I never did get to actually make my payment via debit card over the phone and ended up just mailing my check in and with my future payments will be handling all payments via check mail.
after giving me the run around for a couple of years I was able to get citizens bank to refinance my loan I have had with them for 11 years at 6.74 % they sent me a package with things they would need from me to close loan, XXXX thing was 30 days worth of check stubs.i imformed them that I had XXXX 2016 stubs and I have been on workmans comp since XXXX XXXX, 2016 for an XXXX that I exacerbated working. after i told them that they told me that they would not be able to refinance my mortgage because i was on XXXX i imformed them that me working does not pay the monthly mortgage on house in question. i was told it had to do with debt to income ratio, i imformed them with a refinance that would lower my debt to ratio from paying them {$260.00} a month with a refinance my payment would only be {$120.00} a month. also they doubled up my debts and listed them twice on application as to make it look like i had more debt than i did. they also failed to count income on a house i own outright, as well as having me pay taxes and insurance on houses that they know or should know are escrowed with monthly payments i have on those houses, in essence they had me paying XXXX taxes and XXXX insurances which in turn effected my income to debt ratio. the way i see it they will use any and everything to keep me from paying a lower rate on this mortgage and i think that is very wrong. basically more money in the banks pocket. also they wanted me to pay for appraisal fee out of my own pocket while they pick the appraisal company this seems like they are setting me up for a lowball appraisal that way they can deny me because appraisal came in to low. all houses so far that i have refinanced the appraisal fee was written into loan with other closing cost. i thought turning people down because they are XXXX was against the law
ARS has been reporting a collection account to XXXX for at least the last year, regarding a medical debt to XXXX XXXX XXXX for services dating from XXXX. 

When I look at the address ARS reported as associated with the debt, it shows an address in XXXX, XXXX XXXX, where I have never lived. This debt is n't mine. And I have never lived in XXXX XXXX or used any address there. The item does n't show on my XXXX or XXXX XXXX credit report, it only shows on XXXX. 

So, I disputed the debt via XXXX several times. XXXX says they contacted ARS, who " confirmed '' the debt is mine, although I was provided no information how ARS made this confirmation. How did ARS determine this was mine? Especially when the billing address is XXXX miles from where I live? 

ARS does n't seem interested in checking basic facts before reporting to what can effectively ruin my chances of getting loans. Despite it not being on either of my other reports, and despite nothing else on my credit indicating I 've ever lived in PXXXX XXXX.
I had to use Wells Fargo several times to cash a tenant checks or a state checks. I would dread going to the branch because they would always give me a hard time about not having an account. They would come up with excuses why they could n't cash my check, requesting my finger print each time. Two of those many frustrating bank visits I was told to just open an account to make my check cashing process easier. Twice I had a checking opened for me and I think a savings account as well. I told them I would never use their bank because their hours of operation were not convenient for me. Each time I opened these wells Fargo accounts and deposited money ( about {$50.00} each time, thank XXXX I followed my gut. I lost most of my retirement money with XXXX, NOW THIS? ) within months these accounts were closed BY THE BANK with a {$0.00} balance because the bank depleted my bank account with their ridiculous fees. Feel free to check it out. I never liked or trusted Wells Fargo. XXXX XXXX should also be investigated.
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
I have repeatedly disputed the accounts with ALL the of the major credit bureaus stating I do not owe MEDICAL DATA SYSTEMS INC. The credit bureaus all come back stating the information has been verified. MEDICAL DATA SYSTEMS INC has been paid to the original creditor by my insurance company before any collections. MEDICAL DATA SYSTEMS INC Is reporting to unpaid accounts on all my credit reports that are incorrect.
I was 1 month late with a credit card in XXXX and I began receiving phone calls from Citi XXXX XXXX a company under Citibank. Even though I began paying down on the debt they continued calling me, between 4-7 times a day, no less than 100 times a month. I am current with my bill and am still receiving calls from them.
I 'm trying to pull my annual free credit report online, and so far it 's taking about XXXX45 minutes to actually generate an Experian report. My screen says, " Please wait while we retrieve your report. '' If their system is frozen this will negatively affect my ability to get my free report. I have n't even gotten to the other XXXX reports yet. This is unacceptable.
After obtaining a HAMP modification, I enrolled my account in EFT payments. When I set this up XX/XX/XXXX, I was told that I had to make my regular payment XX/XX/XXXX. I initiated my regular mortgage payment on XXXX XXXX, and the company went and drafted another mortgage payment on XXXX XXXX, despite them advising that they would not be deducting a payment from my account. It took 10 days and a lot of running around for Ocwen to refund the additional payment. During the refund process, I asked them to cancel the EFT since I had received too many differing stories regarding the refund. They confirmed that my account was unenrolled in their EFT program. 
On XXXX XXXX, XXXX, I initiated my regular mortgage payment which was successfully processed from my account. Ocwen went and drafted another payment from my checking account on XXXX XXXX, 2015. I immediately noticed their error and contacted them on a daily basis to request yet another refund. They told me that the refund was issued on via wire transfer on XXXX XXXX, the funds were not received into my account until today, XXXX XXXX, 2015. The newest problem is that they have over-refunded me and are now calling my loan late and applying a late fee.
On XX/XX/2015 I XXXX XXXX XXXX call Bank of America N.A . to follow up answer the Bank of America N.A..They supposed provided to CFPB when they ask for extension which they never answer to CFPB. 
The outcome was that in the follow day XX/XX/2015 Bank of America officer call me and refused to provided her name and she advice The Bank of America N.A . or any affiliated or subsidiary was not related to this case at all and they do n't have any type of interest in the residential located XXXX XXXX XXXX ; XXXX, XXXX XXXX, in controversial of a paper Motion To Amend Final Summary Judgment Of Foreclosure And Rescheduled Foreclosure Sale file in XXXX County Judicial Court at XX/XX/2015. 
I requesting to CFPB to reopen in to demands answers for Bank of America , N.A . 
I want to received the respond true United State Postal service.