WillisBack/dataset-financial-user-claim huggingface dataset:
Midland Mortgage Company and I had a loan agreement for the amount of {$120000.00} to purchase a house. The agreement open date began in the month of XX/XX/XXXX. Payments I made totally of {$110000.00} were made. My inability to continue the monthly agreed payments or refinance led to a foreclosure in XX/XX/XXXX, with a remaining balance of {$9800.00}. The house was resold upon the date of XX/XX/XXXX, for {$74000.00}. The bank or lender recovered over half the balance of the loan, and the proceeds were applied against the amount remaining on the loan. The credit report shows inaccuracies, and the information has not been removed.
This call was from the same number that I reported on XXXX/XXXX/15, reference # XXXX. They say I have to call them immediately because I am in trouble because a complaint has been filed against me. They will not identify themselves properly & I have received no such notices in the mail according to Fair Debt Collection Practices Act. They are leaving a different number to call this time ( XXXX ) XXXX XXXX XXXX. But, their caller ID is the same as before ( XXXX ) XXXX XXXX & when I called that number it eventually picked up on a voice mail saying it was STP Management Group. Other complaints against them on the internet. This message was a little less nasty than before when they threatened me with going to jail.
Company threatend to go to court house and send a bench wareant out for my arrest the company threatend to put my relatives and named by there names on the court order as witnesses
There are significant problems with the way Equifax operates. First, Equifax 's website prevents you from obtaining a copy of your credit report. I had to try over 5 times to access the site and it kept telling me in a pop up that my information did not match their records. I did not have this problem when obtaining my credit reports from XXXX or XXXX. Then, after I finally reviewed my report, Equifax made it almost impossible to file a dispute. Again, I had to attempt access to their site over 7 times. When I got to the dispute part, the dispute page was so limited that I was unable to register all of my disputes. I had to file XXXX disputes. And still, it did not give me an option to inform the agency that there were many unauthorized inquiries into my credit. It does n't end there. When I heard from Equifax by email that they have addressed my dispute, the link to access the resolution kept on telling me that my information is wrong and therefore I ca n't access their resolution of my disputes. This is Equifax 's way of denying you the information you have a right to have. Today, I tried over XXXX times to access the resolution report. I did NOT put in my information incorrectly XXXX times. I am still unable to access the report and Equifax says that it is not going to be available too long. Equifax should be denied providing credit reporting services. Please investigate this ; others MUST have the same complaint. Thank you.
TD Bank - I made a deposit in the amount of XXXX on XXXX/XXXX/15 - my account balance, prior to the deposit was {$1300.00}. According to my previous conversations with customer service reps, deposits are credited to the account before debits are made. On XXXX/XXXX/15, XXXX checks were debited from the account in the amount of {$1800.00} and {$500.00}, I had a bill payment in the amount of {$360.00}, and various debit charges totaling {$180.00}. According to my account view, at the time of the withdrawals from my account, the account balance was {$3100.00}. However, I was still charged {$170.00} in overdraft fees. Upon calling to complain, I was told that only {$100.00} from my deposit was actually made available on XXXX/XXXX/15, therefore the funds were not actually available in the account to cover the amounts in the checks posted on XXXX/XXXX/15 thus overdrawing my account for the {$57.00} I spent over the weekend on my debit card. {$170.00}, for {$57.00} spent, when the deposit for {$1800.00} was made into the account. If you look at my bank account, there is no negative balance - because the full deposit shows despite the claim that the full amount was not actually credited to my account. I am sick of the criminal nature of the reordering of funds and the blatant disregard of the customers of TD Bank.
I had a charge card with XXXX XXXX XXXX XXXX card number XXXX XXXX XXXX with a {$4600.00} balance that was charged off. I attempted to settle this debt with XXXX XXXX but was told the debt was " cancelled ''. They sent me a XXXX ( which I have attached ). A cancelled debt that I am unable to pay can not remain on my credit files. I can not be held in jeopardy for something that I am unable to correct.
I disputed this with Equifax, XXXX XXXX and directly with XXXX XXXX and they left the item on my file.
On many many occasions we have contacted the finance company and gap Insurance company to try to resolve the issues and each and every time has been a failed attempt to correct. In XX/XX/2014 we purchased a XXXX from XXXX XXXX in XXXX NC and within a short period of time the vehicle was totaled in a car accident on XXXX XXXX in XXXX which for starters wasn't our fault and in the process of the insurances handling their business we somehow ended up with a {$600.00} +/- fee on our hands. Ironically enough we purchased a 2nd vehicle from the same dealer just a used car this time instead of new and the issue of the outstanding balance came up and we financed the extra and it never was applied and it is now on our credit reports and when I disputed it with XXXX after all these years it somehow went to {$780.00}. Then the used car we purchased we had for roughly 3 years or so and it got totalled as well and it was also fully insured and had gap coverage as well and somehow we got stuck with a {$6800.00} balance which is now on our credit reports. My wife got them to remove it on her XXXX but it still shows on her XXXX, and it shows on both for mine. We really don't see why we are the ones being shafted when we took all the proper steps to make sure we were covered in case of these types of events. I/we own a business now and these type of problems are really holding me back as lenders look at this as a repo. We really need some resolve. Thank you.
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2014 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
I unlocked my credit files and obtained copies of my credit report from all three reporting agencies/bureaus and noticed that there is derogatory debt in the amount of {$770.00} reported by Midwest Recovery Systems, supposedly collecting debt for XXXX XXXX, XXXX. I Googled both and discovered that XXXX XXXX offer online pay day loans, which are ILLEGAL in the State of Georgia and are not offered here. My employer, XXXX XXXX XXXX XXXX XXXX had a major data breach in XX/XX/XXXX. They offered employees and family members credit protections for XXXX years and my credit reports have been locked/frozen since then. This debt has an open date of XX/XX/XXXX, which shouldn't/could n't have occurred as my accounts were locked/frozen. XXXX also had a breach in XX/XX/XXXX but my credit files were already being monitored/locked/frozen. I have NEVER applied for a loan in Georgia or in any state or gone online or into any brick and mortar office to apply for a loan with these creditors. I have NEVER received any correspondence from either creditor and this debt is not valid as it was supposedly incurred during the time when all three of my credit reports were locked/frozen.
I have file two offer complaints with Experian for not updating or removing account base on letterhead from child support asking them to remove any delinquency and account is up today {$0.00} balance. Compliant # 1 : XXXX on XXXX/XXXX/XXXX, Compliant # 2 : XXXX On XXXX/XXXX/XXXX. They remove delinquency but they still reporting a balance of {$180.00}. I file a complaint with XXXX and they updated account right away XXXX XXXX/XXXX/XXXX. There was no need for me to take any further action with XXXX they followed legal document sign and dated by Child support. Experian rather still report and remove what they feel like regardless what creditor who reported in the first place is asking to report or update with a letterhead. I also make a complaint with Attorney General, and XXXX letting them know what my experience with Experian as been very disrespectful. I attached a copy of the why Experian is reporting my account after they clearly know and contact child support and still showing a balance of {$180.00}. I attached a new letterhead from child support with Supervisor Signature stating the account as XXXX balance and do not report or remove any delinquency from this account. I attached XXXX Compliant and Attorney General complaint that Experian has to legally respond too. I should not have to go through all of this if Experian follows Letterheads from Creditors. If they still feel the need to get more information from the creditor do n't do it at the consumer expense they have more to lose. 30 to 60 days should apply to account that has no proof from the consumer.
AD ASTRA is containing to report a fraudulent account to my XXXX credit report. I have letters and documentation stating that the account is not mine and that they would be removing it from all XXXX bureaus. They had removed it at one point, but have recently pout it back on. This is breaking the law in so many wat=ys. Once an account is removed it can not be put back.
On XX/XX/XXXX - My XXXX XXXX XXXX that was financed by Santander Consumer was repossessed by XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX - I contacted Santander and located XXXX XXXX XXXX XXXX who I paid {$65.00} to receive my belongings from the vehicle and turned in the third row seat for the XXXX that was located in my garage with the key. ( Encl 5 ) I received a notice from Santander with Sent Via Certified Mail located typed on the document dated XX/XX/XXXX of the intent to Sell Property ( Encl 4 ) I received an Explanatio of Calculation of Surplus or Deficiency dated XX/XX/XXXX from Santander Consumer ( Encl 7 ) On XX/XX/XXXX, I sent via Certified Mail # XXXX, a letter to Santander Consumer, that was received on XX/XX/XXXX ( Encl 1 ). A letter was also sent to XXXX XXXX XXXX via certified mail on XX/XX/XXXX, that was received on XX/XX/XXXX, ( Encl 2 ) requesting that they provide to me a copy of the Certified receipt for the " Right to Recover '' that was sent to me. 

The response from Santander dated XX/XX/XXXX, was received, however, a copy of the certified receipt was not attached. They only provided copies of the documents aforementioned as Encls 4 and 7. ( Encl 3 ) The responses received from XXXX XXXX XXXX are dated XX/XX/XXXX, which states that they were unable to substantiate the allegations in my dispute and if I had additional information or documentation please mail to them. ( Encl 6 ) An additional letter dated XX/XX/XXXX with 81 sheets of paper attached which includes all of the documents from the processing of the loan for the XXXX XXXX. The only pertinent documents in the paperwork are the aforementioned Encls 4 and 7. ( Encl 8 ) Santander Consumer failed to send me a certified copy or statutory overnight delivery per Georgia Code Title 10, Chapter 1, Article 2, XXXX Disposition of motor vehicle repossessed after default ; right to recover deficiency. I send a letter to Santander and the Collection Agency XXXX XXXX XXXX requesting this documentation, but neither were able to provide proper documents. Santander Consumer did create a letter with 'SENT VIA CERTIFIED MAIL '' in bold letters under the inside address, but this does not rise to level of documentation required by the Georgia Code mentioned above. The requirement is clearly set forth that the lender must send a certified " Right to Recover '' notice within 10 days of repossession. I asked for a copy of the signed and dated Notice of Assignment from Santander Consumer which they not their agent was able to provide.
I 'm a co-signer on the XXXX private loan, sold to navient ans several other company contact or locator service. I did try to get my interest rated reduced as I 'm currently on retired on fixed income, SSA. 
The loan was for XXXX XXXX and I 'm the co-signer. 
I would request a interest reduction to allow me the possibility get this loan paid off. 
Thank You.
Citibank checking account was opened XX/XX/2018 under the " Earn {$300.00} when you open a new checking account '' promotion. The terms of the promotion are to " make a deposit of {$15000.00} in new-to-Citibank funds '' and " maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days ''. The account was funded with {$15000.00} XX/XX/2018 at XXXX PT as shown on the deposit receipt. The terms of this promotion were met, however, the promotion was not credited as promised.
I would like to know if a bank has the authority to rearrange transactions in the consumer 's checking account after the funds is cleared in account? Or should the bank provide the consumer with correct, online, account information on all transactions made to the consumer 's account including pending fees?. What is the Consumer Finance doing to stop these banks from charging the helpless consumers from these excessive and unjust fees?
I have disputed all of these unauthorized inquiries with all three credit bureaus. 

XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX   XX/XX/XXXX Finance
I have called Sallie Mae a number of times to help work with me on payments I can afford. I sent them payments, but they don't cover the minimum payment they want. Now, they tell me I don't have online access to my account because my online priviledges were revoked. They won't let me see any of my information that is connected to it. Even if they won't accept a payment less than the minimum, I should still be able to see information about my loan.
I was the victim of a scam for a rental property. I sent money using XXXX XXXX from my bank to an account at Wells Fargo. The amount was {$1500.00} sent on XX/XX/18. I contacted Wells Fargo as soon as I found out about the scam. I provided the routing and account number where the funds were sent, and they would not provide me any information on the account/person that received the funds. Nor would they work with me in any way to try to recover the money.
I have paid my bills on time and have a good relationship with my creditors. However, my new Dicks Sporting Goods Credit Card issued by Synchrony Bank lowered my available credit by XXXX % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.
I live overseas and have recently moved from XXXX XXXX to XXXX. 

I tried to access my account on XX/XX/XXXX in order to change my address and phone number. I was not able to access the account but I was asked to answer a security question : " What is your brother or sister 's middle name? ". I got the question wrong because it is ambiguous ( I have a brother and sister and they both have two middle names ). 

I have tried contacting the bank many times via phone, online chat, and direct messaging, but they will not let me access the account without visiting a branch. The nearest branch is a five-hour train ride from where I live and I do not have time to go there. 

I need to know my balance so that I can complete my tax forms by XX/XX/XXXX.
My mother and I own the home together. I am in a treatment facility for a minimum of 120 days and no longer am able to live in the home with her. However, she would like to stay living in the home and take over the payments. But, I must be taken off of the loan in order for this to happen. Otherwise, the home will need to be vacated completely by both customers.
I have tried several times to dispute issue with experian. 

Experian is reporting a deliquent or deragatory account with XXXX XXXX auto finance on my report. This account is way past the reporting time allowed ( 7 years ).
On XX/XX/2018 at approximately XXXX CST I attempted to use this card to pay a charge from my tree service. The merchant called me back 5 minutes later and stated that the charge had been declined. Because of ongoing problems with Capital One and another CFPB complaint ( XXXX ) it looked like a Capital One issue, so I called their " Customer Service '' dept. 
I was told by a CS rep that the charge had been declined due to a " fraud authorization strategy. '' She was unable to tell me either what was wrong with what the merchant had submitted or what I needed to do to pay my tree service their {$2900.00}. I asked and was transferred to fraud dept. 
The first fraud rep was unable to tell me either what was wrong with what the merchant had submitted or what I needed to do to pay my tree service their {$2900.00}. She responded to those direct questions with boilerplate and platitudes. I asked for and was transferred to her manager who repeated that boilerplate and those platitudes. I hung up and called back, reaching " XXXX in XXXX at approximately XXXX CST. 
When I attempted to complain about the previous reps, XXXX chastised me for not obtaining their IDs. I asked to be connected to XXXX in the Executive Resolution Dept., as she was handling my previous complaint. He again chastised me for not having her ID although he never gave me his! He said he would try to find her but instead cold-transferred me to the CS queue. 
I called back and spoke to XXXX XXXX in XXXX VA at XXXX CST and left an urgent message for someone from exec resolution to call me. Nobody has called me. 
Yesterday I spoke to XXXX XXXX. She immediately gave me the information needed to have the merchant successfully resubmit the transaction. What awful customer service you have provided, Capital One!
I recieved a credit alert that my synchrony XXXX account was past due on my credit report. This account was on autopay so it should not have gone past due. The last {$28.00} was never deleted from my account. I also never recieved a call or notice that I was past due.
My account has been paid off since XX/XX/XXXX, Midland is giving the runaround concerning my escrow surplus which is XXXX or so, I have contacted them 6 times, on my transaction history says my refund was sent XX/XX/XXXX, the last time I contacted them they told me my refund was going to be sent XX/XX/XXXX, I think they are trying to keep it as long as possible, I will be waiting for a response. Thank You
I have had a credit card with Citibank for years. Some years back, I added an " authorized user '' to my account, and Citibank issued that person a card. That person never signed an application, and is not a co-borrower. 
I was shocked to learn that Citibank is reporting this balance under the " authorized user 's '' credit report, even though this person has XXXX liability to pay the account. 
I called Citibank to correct this, and they told me it is their policy to report balances for ALL users authorized on an account, REGARDLESS of legal liability on the account. 
I informed them they were in violation of the FCRA, and they basically said, " tough. '' I would like to file a formal complaint to have Citibank stop this deceptive practice.
XXXX XXXX, 2015 the XXXX area went through a flood for the fourth time in less than ten years. As the residence go through the rebuilding and repair process, we find out that you are not in good hands with XXXX or Greentree Servicing ( Ditech ). 
XXXX insurance company finally released the funds in complete to myself and the mortgage company Greentree Servicing ( Ditech ). The funds have been in the hands of the mortgage company since XXXX XXXX, 2015 and still has not paid anything out. 
XXXX initially promised a check to take care of emergencies now, i.e., to take care of the water heater, furnace, etc. That never happened. They informed me that they should be able to release a check within 7 - 10 business days. Once again it never happened. In good hands is a statement that XXXX should not be using. They did n't take care of any emergency funds. 
After three and a half months none of the repairs have been completed because no funds have been released. All the paperwork has been filed with Greentree ( Ditech ) since XX/XX/XXXX. The mortgage company has made my contractor fill out the same tax paperwork now five times and there is only XXXX possible ways to fill this out. 
Since the flood I have been boiling water to take a bath. As it starts to get colder out now, I 'm having to use space heaters to keep the place warm. I have now stopped paying my mortgage so that I can either move out of have the funds to fix what needs to be fixed. 
On XX/XX/2015, I was called an XXXX by one of the Greentree ( Ditech ) employees for not knowing how to manage my money. I am now getting hang up calls from these people. They call me every day telling me that I owe them, but they do n't want to hear that they owe me for the services that need to be done. 
At this point I am being driven away from my house. I am getting sick from lack of hot water, lack of possibility to get warm, and there is mold growing in the house causing me to cough uncontrollably. 
I have no other options at this point, but to move. My health is now a factor and no funds are coming. How do I possibly get out of this? How can they expect me to stay here with the house in this condition? How can I be getting harassed by this company that wo n't help it 's customers? 
I do n't know what else to do, but move. They have made it so hard on just fixing my house. I 'm completely exhausted. Everytime I call Greentree ( Ditech ) it is over an hour on the phone and if they do n't cut me off, I get treated like I 'm the problem.
I was called by XXXX saying I owe XXXX for a debt that is 7 yes old. The debt was only XXXX. Want me to pay XXXX. To settle. Forster and garbus
Glasser & Glasser, a l aw firm first contacted me pretending to be just a collection agency and now thro ugh one of their lawyers, trying to collect a debt that it is not mine to the best of my knowledge and offering only court printouts when I asked them to proof 1 ) that I am the original debtor and 2 ) that the debt is current and collectible.