WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 at XXXX XXXX  pst i used a Chase bank ATM to withdrawal {$500.00} I did not receive any money from the ATM and the receipt that was dispensed clearly states it as well. However, my card account was debited a total of {$500.00} from Chase. I contacted Chase by phone and also went in the branch spoke with the Branch manager which told me they are unable to do anything right now since I do not have an account with Chase so I need to contact XXXX XXXX and have them initiate the dispute. I then contacted XXXX and filed a dispute and have also faxed a letter stating what had happened along with my receipt from the ATM and still dont have my money. I contacted Chase numerous times and they just keep telling me they can not do anything and to contact my bank so they can contact them themselves and that they are sorry. I also contacted XXXX numerous times and feel they have not done anything also cause I havent been given any provisional credit and they just keep telling me it can take up to 45 days. None of the banks have done anything for me but give me the run around.
XXXX is trying to collect on a debt that has reached the Statute of Limitations. In the letter that was mailed to me, the date of debt was purposefully obfuscated. I called absolute Solutions and I was told that the statue of limitations on the debt had expired. 

XXXX XXXX was rude and disrespectful when I called to resolve the debt.
I was told that the process of applying for mortgage would not impact my credit score adversely. My FICO score was XXXX ( Excellent ) after over 8 years of hard work and discipline. I started the process of buying a home only after I had achieved FICO score of XXXX ( Excellent ). 

Everything has gone smooth and the closing is on XX/XX/ 2019 and to my surprise I find that my FICO score has been substantially and negatively affected. It has fallen by 29 points ONLY due to " too many inquiries ''. All of these are directly related to seeking a mortgage to buy the home chosen. 

Something with wrong in terms of what we the people are led to believe and what actually happens. And then " people '' have no effective means to address the mischief by banks and credit reporting agencies that collude to indulge in legalized extortion. 

Please help directly or indirectly by pointing me to some direct & effective actions that I can take.
I would like to request a Streamline Repayment for my property located at XXXX XXXX XXXX XXXX XXXX MD XXXX Recently, I was offered a repayment but it was not feasible as a single mom of XXXX  children. I quickly contacted my Asset Manager XXXX XXXX who stated my home was referred for foreclosure the 2nd week in XX/XX/XXXXwhile I was being considered for alternative foreclosure options. Here is my question if I am being considered for alternative foreclosure options why was my home referred for foreclosure by XXXX XXXX XXXX? Have I exhausted all of my options due to unfortunate life circumstances? I am praying for a miracle for me and my children and need all the help we can get. We are working with a Credit Counselor through XXXX XXXX and they have been very resourceful. I am literally having anxiety and can not sleep at night worried if the Sheriff will be knocking on my home to put my children and I out on the street.

I was required to go on two Medical Leaves of Absence - due to complications related to XXXX XXXX XXXX and the XXXX of my daughter in XXXX who was hospitalized in the XXXX XXXX at XXXX XXXX XXXX Hospital XXXX MD awaiting a XXXX XXXX. OnXX/XX/XXXX my divorce was finalized which is public record reference - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My household income was cut in half and I had to an insurmountable amount of legal fees associated with my divorce and custody of my minor children.

I have being working diligently in alleviating my monthly financial obligations : I was granted an Economic Loan Deferment for my Student Loans, XXXX I was able to get free clothing for my children, XXXX XXXX  food and prescription assistance.

While I have been the only wage earner I have submitted applications to alleviate our monthly financial obligations : I was granted an Economic Loan Deferment for my Student Loans, and I have not acquired any new revolving debt in over 8 years. I am back to work full-time and would like to propose a reduction in my interest rate to 3.85 % thereby reducing my mortgage. Please consider lengthening my loan term to 32 years so I can pay back the arrearages now that I am back to working fulltime. If thats not an option please consider reducing my principal to current home market values using my current loan rate. I need my home for the stability my children and elderly parents a foreclosure would not be beneficial to my community, particularly now that I am able to pay and have resumed working full-time.

I, XXXX XXXX XXXX have determined the estimated current property value to be XXXX based on the average values received from : 1. XXXX Lists estimated home values based on recent sales available through public records with the County Clerks Office .

2.XXXX Lists current properties for sale in community and recent sales activity. User is able to search and compare like kind properties.

Any assistance you can provide would be greatly appreciated.

Sincerely, XXXX XXXX XXXX XXXX
A credit card was opened in my name, without my knowledge some time in 2012 after my father and I visited a local branch and opened a student checking and savings account when I started college. I'm told this was done on line and that it was used for on line purchases. What complicates things is my father 's cell phone was used to set up the account and when he got calls and bills in the mail he made minimum payments thinking he was helping me. when I told him I never had a card he stopped. At that time, we began calling and writing to get this resolved. We have been unsuccessful and Wells Fargo isn't being forthcoming.
After reviewing an ad on one of those weekly newspaper circulation in XX/XX/XXXX about XXXX XXXX XXXX, I decided to visit the company XXXX XXXX to participate in a trial consultation. The advertisement said permanent but forgot to mention that this applies to XXXX XXXX ( ONLY ) which is what I found out during the ONE and ONLY Visit ( consultation ). 
After smelling like a burnt rat for a couple of hours and discomfort for a couple days. 
I was told by the technician that it would get better after a couple visits. 
After considerable reflection on the Pros and Cons of getting the hair removal, the smell of burnt hair and the pain associated with the treatment, I decided to cancel the contract. 

I was told it would be at NO COST if cancelation was completed within 30 days. 

I personally when back to the XXXX XXXX XXXX and cancelled the treatment they check the system and said it's completed and I will receive a letter in the mail indicating my withdrawal ( cancelation ). 

What came in the mail after the 30 days was a bill for the full amount {$2500.00} I called the number on the bill in an attempt to cancel and I was told that it was too late even though the services and/or treatment was never used, the so called plan was expired in XX/XX/XXXX and by then XXXX /XXXX XXXX  had accrued interest for a total of {$370.00} bringing the bill to a Grand Total of {$2700.00} Since then XXXX  /IXXXX XXXX has changed employees and even though there system still shows that NO Billable Services used or funds debited against this account from inception, they sold the debt to another company by the name of Portfolio Recovery who continues to call every single day since, in an attempt to collect. 

I have tried disputing this charge several times but the phone calls continues. 

My credit is now ruined as a result and it's now difficult to retain a decent interest rate of anything I procure. 
This is unfair and I believe someone should really take a serious look at XXXX XXXX and there reporting practices since they are at an advantage on the rules and regulations with regards to Credit & Fico Scores versus an individual. 

Who gave XXXX  and/or these conglomerates the right to report without the facts being correctly censored. 

This is now affecting my life and the livelihood of my family. 

I refuse to pay because I have NOT used these services yet I am the one being punished by high interest rates and a derogatory credit. 

My question to XXXX XXXX  is where is the {$2500.00} because the cash was never given to me, nor was it used by me as intended? 

XXXX XXXX  principal responsibility should be to return the funds back to XXXX XXXX  as unapplied cash. Why isnt XXXX XXXX not going after XXXX XXXX for there money. 

The default and derogatory credit should have been placed on Ideal Image and/or there account NOT on me, because I never used the services, as I withdrew from the treatment prior to the 30 day window. 

Thank you very much for providing a forum for complaints, not sure what you can do but I am thankful for the support.
I have contacted Equifax several times over the past two to three months advising them that there were multiple requests for my credit file ( inquiries ) that I do not recognize or recall authorizing, from the following companies : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. 
XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX  XXXX XXXX # XXXX Equifax has refused to remove the information ( inquires ) stating that it is a factual record. I have submitted written documentation requesting for these inquires to be investigated and Equifax again, refused to remove the information. I have notified Equifax that my information was compromised by a security breach from the federal government which was a previous employer and Equifax still refuse to remove the information. I have sent verification of my identity and requested in writing for this information to be removed and Equifax has refused to do so. I would like this information removed from my credit file.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

CONNS XXXX Date Opened : XX/XX/2015 Balance : {$810.00}
I had medical at the time and just did n't have my card with me. They should have billed my insurance instead they billed me
Received a credit report today from Equifax via US Mail. The problem is that it had my full SS #. These are not suppose to be sent out without disguising a portion of it. Just plain careless, especially with the latest problems the company is having.
TO : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX CC : Wells Fargo Home Equity Solution XXXX # XXXX XXXX XXXX Home Campus XXXX XXXX , LA XXXX I am _______ a natural person whom is seeking assistance with filing a complaint against Wells Fargo Bank of New Jersey . This is about my primary Residence located at XXXX, XXXX. 

This notice is brought before you because a " debt collector '', has engaged in consumer debt collection activities within Wells Fargo Bank of New Jersey, against me. 

Wells Fargo Bank is attempting to collect the debt in relation to a mortgage Note, which they are not the " original lender '' or " creditor '' to whom the debt was owed. In XXXX of, 2013, Wells Fargo Denied my request for permanent Modification of my qualifying loan under the Home Affordability Modification Program which was provided to me by Wachovia Bank of NJ, my original lender. 

I have repeatedly provided Wells Fargo with all my financial information, including bank statements and cash flow analysis showing that the building is self sustaining in it 's ability to repay the Modified Loan Requested. But as of this time, they still refuse to help me save my primary residence. This is a self sustaining rental property, if I receive the Mortgage Modification. 

It is my belief that Wells Fargo is engaged in " Redlining '' for failure to assist me with my property, in XXXX, New Jersey, that I believe qualifies for at least XXXX of the many Federal Programs designed to help borrowers maintain the integrity of their neighborhoods as laid out by the Housing and Urban Development Agency. Therefore I seek your assistance with filing a complaint under Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits " unfair or deceptive acts or practices in or affecting commerce ''. 

I look forward to hearing back from you in an expeditious manner. 


Sincerely XXXX XXXXXXXXXXXX
i have reach out to transunion as well as XXXX concerning the negative items effecting my credit report since i filed first on XX/XX/2018 and next on XX/XX/2018, and they have not responded and has violated the FCRA by not doing so within 30 days.
ACCOUNT : XXXX/XXXXACCOUNT ACTUALLY OPENED NOT IN XXXX OR XXXX, BUT IN XXXX. 
XXXX is trying to re-age the debt, even though it was discharged in a Chapter XXXX bankruptcy petition. This is a practice highly scrutinized by the Federal Trade Commission. 
The credit bureaus have not done a proper reinvestigation on this credit trade line. All XXXX credit bureaus have a different start date, initial XXXX late start date and end date. 
The account is over XXXX months since its first late payment, and must be deleted under the Fair Credit Reporting Act 7-year rule. 
I REQUEST A FULL REINVESTIGATION TO CLARIFY MY STATEMENT THAT THIS TRADE LINE HAS OUTLIVED THE 7-YEAR MANDATE FOR REPORTING OF NEGATIVE INFORMATION!!!
Hello, Thank you for reading this complaint. I started paying on my student loans back in XXXX at the time I excited college I was able to lock the loans into 20 year loans. My payments have stayed the same over the years. From XX/XX/XXXXthrough XXXX I went back to school and the loans went into deferment ( automatically ) and I paid interest only on these loans. After graduating I started paying in full again and I assumed I would add two or three years onto my loans and continue paying the terms were I left off. 

The last few years I have been noticing that I have not benign paying down as much as I though I would be since I would be almost halfway paying off the loans. I started doing some math and Navient changed the terms of my loans from 20 to 30 years. Though I have been paying the same payments ( set on auto schedule ). 

I have called Navient several times and get a very limited response most of the time Navient hangs up on me when I press of answers. From what I can figure out there was some error somewhere and they switched my loans to 30 years and I have been paying extra interest vs paying into principle. I can figure this change happened from XXXX XXXX transferred my loans to Navient. 

This is very enthical and I hope illegal. I can not seem to prove this to Navient and I need some help because it is to the point where I should be seeing the light at the end of the tunnel for student loans vs 18 more years to go.
I purchased my home and received a conventional loan. The purchase price of my home was XXXX Since that time, I have paid my loan down UNDER 78 percent of the Loan to Value, and they continue to charge me PMI. 
This is to fall of automatically once I reach 78 percent of my loan and I am now at 77 percent of the original XXXX I am being told I need to order an appraisal and spend XXXX on this. This is not true, it says in my closing papers that once I reach 78 percent of the original purchase price the PMI will come off. 

Not only that, I am being told that I have to write dispute letters to get the PMI off. This is ridiculous. They need to check my loan and remove the PMI. Thank you.
On XX/XX/2018 a netspend rep informed me that my account was eligible for the XXXX fee plan and provided a credit to my account on the XXXX that was charged. Netspend has continued to charge me a XXXX fee for XXXX and XXXX. A netspend manager acknowledged I was told the fee would be XXXX but has refused to rectify.
Bank of America never informed me of my annual payment due date. I received no email, no regular mail and did not have a balance on the Bank of America Website account to even pay. I was given no chance to pay it nor did I even receive a late notice with at fee. They simply sent it straight to the credit bureaus. In doing so, my score dropped over 90 points. My credit was an excellent XXXX and now has dropped to merely " good '' rating of XXXX. All for a XXXX dollar payment they never told me about ( which I have since payed. ) I have never missed a payment of any kind with them.
Capital One Bank improperly reversed {$6400.00} in provisional credits by administrative fiat without any investigations and closed my checking account.
I was informed by several lawyers that my Ocwen mortgage should have been part of the lawsuit for fraud and robo signing. I contacted the Illinois attorney general and they attempted to intercede on my behalf. Ocwen wrote back to the attorney general saying that they have found no evidence of robo signing of fraud or deceptive practice. Then the go on to say that they need me to be more specific about my complaint and allegations. That is extremely difficult because my loan has been handled by numerous other fraudulent companies that have since disappeared along with the paper trail required by law. My loan wen from option one to homeward to home servicing and a couple more in between all have ceased to exist since the were squired by Ocwen. I tried to get records and documents from the prior loan companies but no phone number or addy exists for them. Ocwen has carefully snuffed out all means of contact and all means of proving fraud and robo signing. No I 'm in pre for kosher because when I applied for a modification Ocwen granted me one with a higher interest rate and the payment only a few dollars away from the mortgage I could n't afford. I am being told to apply for another modification. Today I received the certified letter about the pre foreclosure even though my representative from XXXX Ocwen told me that would not happen. The pre forclosure letter gives me XXXX days before Ocwen issues a full forclosure. I was assured by the Ocwen rep. that she would call me back on XXXX XXXX to dicuss other options and the new modification. Help
Customer Service Department - I 'm disputing delinquent information that XXXX XXXX has reported on my Credit Report, please note this account was paid-off in full ... Therefore I am filing a dispute and requesting to have this collection account deleted from my credit report. 

- XXXX Phone Number : XXXX - Delinquent Amount : {$100.00} - Refer # XXXX / XXXX If you have any questions or need any additional information I can be reached at the number below. 

Thank you. 
XXXX XXXX XXXX
The following incorrect names and addresses are on my credit report. 

Misspelled/Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misspelled/Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( not my address ) XXXX XXXX XXXX XXXX AL XXXX ( not my address ) XXXX XXXX XXXX XXXX AL XXXX ( missing apartment number )
XX/XX/XXXX has reported a loan 3 times and reported that I was delinquent 3 times. The loans have the same open date and I don't owe 3 different balances. I have tried reaching out to the company and they disregard my request to fix it. See page 2 & 3 of the report that was pulled by the mortgage company. XX/XX/XXXXhas single handily kept me from getting into a new home! Please help
We have had several problems with them ( Select portfolio servicing center ) over the years but the most recent problem is we were trying to get a Home mortification done, and we have started atleast XXXX of them. I have made my payments on time then after the trial period is up then start sending our checks back uncashed and start foreclosure again. Have many fees unexplained. We have had nothing but trouble from them in the last XXXX.
In Court, the Collections Bureau representative admitted that they filed a lawsuit on a claim that was OVER the statute of limitations. I have the recording of the court proceedings where the representative admitted to filing it falsely.
Check-n -Go XXXX XXXX XXXX say i owe them cash i dont the last ower had got paid and i feel this person is wrong for asking to repet it i dont understand wat was ask how it got paid was deit reflel program instant help by XXXX XXXX XXXX is unfair missing from my check on XXXX of month by way that is my rent hay a waivie plesae.
I went to the XXXX.The hotel requested someone in our group leave a card to open a tab. I left my tab and they agreed they would not charge my card, rather just have an authorization, as long as the tab was paid in cash or by another form of payment. The tab was paid in cash by another friend, and the hotel still charged my card, thus they incurred double payment.
this is my favorite bank with favorite card but i am very concerned my issue which is veyr important to me is not handled appropriately. its a dispute of XXXX i have NEVER made a dispute in 11 years of excellent customership here but now i am and i am serious about seeing it through and getting refunded at least the XXXX if not the whole amount. I fear it is not being handled properly as evidenced by the stupid letters i sm receiving in the mail. On XXXX i paiud for my child to go to tennis camp 25 days. At that time i did not realize there was a NO refund policy. I know that does not matter.Well after 6 days of her crying every day without me being told by the camp despite calls every day asking finally on XXXX i pulled her out when someone honest told me about it. she was sitting there doing nothing as she had all day before that. First day i was told this. on XXXX i reached out teo them to use some of my credit on another seice since this was the first i was made aware that i had signed a no refund policy. Again would not have signed it had i not been rushing to sign to get my child in. in may.I had ben signed up for XXXX lesson until XXXX when the owner XXXX XXXX answered my emails by accusing me of breaking his contract he had no concern about why i had left, what had happened with my child only that i used the monies tha ti had purchased. no other concern except telling me it was MY PROBLEM if i did not come back. No refunds. he also told me XXXX XXXX that if i did not come back again he displsyed no interest in why i had left if i did not come back hewould re bill me. That was his ONLY concern. Certainly not what you would expect from someone dealing with a child and a service. i told him that day i was NOT coming back. based on his treatment and the uneasiness of the deception associated with the 6 days she did attend. he then rebilled me XXXX on XXXX after the summer ended seemingly with no understanding or wonership of the failed customer service. their position is Simply i signed something. it is that they offered me MULTIPLE opportunities to attend maybe they do not understand XXXX i was not attending after XXXX was lied to about my child when dhe did not attend and baically paid for her to sit out and do nothing XXXX i was treated as i was NOW i sent all the emails to Consumer affairs XXXX and capital one. EVeryone agrees with me.I know i signed the contract but telling me in this instance to ask for a merchant refund is riiculous. absolutely ridiculous. I want a refund.go to the merchant and say NO service, poor Customer service but stick up for me properly after 11 years. I can not believe what i have endured. ask yourself would you return??? I will NEVER again rush to sign something. i want at least my XXXX back if not the entire emoaunt. Go to it please NO EXCUSES designed to XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX THESE ACCOUNTS ARE REPORTING BALANCES AND PER FCRA THEY MUST BE DELETED WHEN REPORTING INNACURATE AND THIS BUREAU HAS DONT NOTHING ABOUT IT. 

INCORRECT NAME OF XXXX XXXX REMAINS ON MY REPORT INCORRECT ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX