WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX XXXX, I went to Ocwen Loan servicing website to check our mortgage account. I found that Ocwen failed to report to all the credit bureaus on XXXX XXXX as being current. Ocwen is reflecting for XXXX XXXX, no payment history available for this month! Per Ocwen payment history on us it reflects that Ocwen received our XXXX XXXX payment on XXXX XXXX XXXX. Also, per our credit history that Ocwen has, it reflects that on XXXX XXXX that no payment history available for this month! You can view these documents in scan # XXXX which is provided. Ocwen also reflects that XXXX to XXXX XXXX, there was no payment history available. This is inaccurate. Per Ocwen print out, it reflects that we did make our payments for those months and on time! You can view this document on scan # XXXX. We paid Ocwen Loan Servicing and they are required by law to report accurately. As you can see, Ocwen Loan Servicing has failed to report accurately, violating federal law! By not reporting accurately, Ocwen has caused future creditors to potentially not approving us to have a loan due to these inaccuracies. This is a clear violation of our rights which must be addressed and resolved immediately!
Wells Fargo Dealer Services has been calling me nonstop over my car payment being past due from phone number XXXX. I have received 17 calls this week harassing me for payment of {$300.00}. I called two weeks ago and disclosed that I would be late on my next payment and the woman over the phone told me theres nothing that she could do, even though I told her I was making the last of my medical bills payments. 

On Monday XXXX XXXX, Wells Fargo dealer services called me four times, at XXXX, XXXX, XXXX, and at XXXX. 

On Tuesday, XXXX XXXX, Wells Fargo dealer services called me three times, at XXXX, XXXX, and XXXX. 

On Wednesday, XXXX XXXX, Wells Fargo dealer services called me five times, at XXXX, XXXX, XXXX, XXXX, and at XXXX. 

On Thursday, XXXX XXXX, Wells Fargo dealer services called me twice at XXXX and XXXX. 

I spoke to a woman named XXXX or XXXX today ( XXXX, XXXX XXXX ) from Wells Fargo dealer services and she kept harassing me for payment even though I told her to stop calling me. I was called three times today, at XXXX, XXXX and XXXX. She has continued her calls and I finally had to hang up since she wasnt listening. The constant phone calls and harassment need to stop. 

After all of this harassment and after my disclosure that I wouldnt be able to make my payment until the XXXX, they already reported me late to the credit bureaus. I will be submitting a formal dispute of my late payment through XXXX, XXXX and XXXX as well.
I received a promotional offer from Citibank in XX/XX/XXXX to open up a Citi Priority Account and get a bonus XXXX XXXX XXXX miles with the following requirement : - Post consecutive billpays - Make {$750.00} in debit card purchases in 60 days from account being activated I took them on the offer and opened an account in late XXXX. 

I received the welcome letter from Citi on XX/XX/XXXX, created my User ID on XX/XX/XXXX, and received an email notification from Citi on XX/XX/XXXX stating that my account is active and ready to go. 

At this time, Citi sent me an ATM card instead of a debit card in my welcome letter. 
I am unable to use an ATM card to make debit card purchases in order to meet the requirement. I then gave them a call late XXXX to request a debit card so that I can make purchases to meet the requirement. They agreed to send me a debit card in the mail. A week and a half letter I received the card in the mail from Citi, but it turned out to be another ATM card instead of a debit card. I called them back and they told me that they will send a debit card again. I finally received my debit card in late XXXX, where I then proceeded to complete the purchase requirement by spending {$1000.00} by XXXX. 

I called Citi to confirm that I have met the requirement of the promotion, and they said yes I have and to wait 90 days to receive the bonus miles. 

It is now XXXX and I still have not received my bonus miles. I proceeded to call Citi, where they confirmed again that I have met all the requirements and that they will be opening up a case to investigate why my bonus miles have not posted. 

I received a letter by Citi in early XXXX stating that I do not meet the requirements of the promotion because I did not meet the purchase requirements. I called Citi and they said that the 60 day spending window ended on XX/XX/XXXX and I did not spend {$750.00} by that date. 

I think this sketchy and dishonest behavior due to the following reasons : - The terms said that I need to spend {$750.00} in debit card purchases in 60 days from the account being activated. 
- I received my welcome letter on XX/XX/XXXX & my account was fully activated on XX/XX/XXXX. 
- Citi sent me an ATM card, which I can't use to meet the debit card purchase requirement. 
- When I asked them to send a debit card, they sent me another ATM card instead. 
- I finally receive my debit card in late XXXX. 
- I met the spending requirement on XXXX, which is less than 60 days from the date my account is fully activated.
We represent the seller in a short sale with Bank of America on an FHA loan. The purchase contract and documents were submitted through XXXX in XX/XX/XXXX. There is a cash offer for {$330000.00} and after 7 months of back and forth with the lender they finally approved the short sale on XX/XX/XXXX. the approval letter was sent to us via XXXX on XX/XX/XXXX and the close of escrow date on the letter was XX/XX/XXXX. This is not possible with XXXX homeowners associations. I asked for a one week extension to allow title time to order the demands for the closing. The closer at Bank of America said she had to put in a variance with HUD because the ATP was expiring on XX/XX/XXXX which was ordered on XX/XX/XXXX. On XX/XX/XXXX we received a message in XX/XX/XXXX and also a denial letter that HUD ( the investor ) denied the extension. The complaint is that after 8 months of many hours poured into getting a cash buyer approved for a pre-foreclosure property the file was approved and then denied with in a few days with no answers from any party. We need resolution contacting Bank of America and HUD because many people are involved here.
Regarding " Clarity Services '' This company is reporting information that has resulted in my being denied credit more than once. I 've faxed three requests to this company to obtain my credit report ( following instructions provided on their website ). All three have been ignored. I called the customer service number and was placed on indefinite hold. The attached image shows my XXXX XXXX account with three report requests to Clarity Services ' fax number.
Had a {$2500.00} credit limit and over night with no ch ange in credit score or missing payment or even a late payment ever, I had {$800.00} balance and they changed limit over night, and I have set it up to auto pay my bills. By doing this they have affected my credit score negatively in the most important way because it changes account balance/ to credit limit ratio. This is not fair and it happens all the time with banks of all kinds. They offer you credit and when you use it they lower credit limit to cause credit report to go down and then they can charge a higher rate of interest?
I am constantly contacted about another person with my name. This has went on for several years. She has a different birth date and social security number. The creditors ask me if I know that person or how to contact them. They call my family, etc. They are disbelieving when I tell them I am not that person. I have to give them my birth date and last 4 of my social to get the calls to stop. The latest call was from XXXX XXXX XXXX. ( XXXX ) XXXX. They are usually about student loan debt. Is there a way to stop these calls? They will stop for a while, then start back up again in waves by different companies.
I have filed a Chapter XXXX bankruptcy which was discharged XX/XX/XXXX. XXXX XXXX XXXX XXXX is listed in the bankruptcy. I had XXXX accounts with them that 's been discharged. XXXX is only listing XXXX of XXXX as discharge and reporting the other XXXX debts as delinquent on my credit report. The XXXX accounts should be closed because I have n't used them since XX/XX/XXXX.I 've contacted XXXX several times about this matter with no solution. Please help. I 've turned my credit around and XXXX is maliciously hurting my chances of being a home owner! XXXX and XXXX are reporting the debts as closed and discharged through bankruptcy which is correct. Equifax is falsely report these accounts as open. Equifax and XXXX is reporting falsely.
I am a XXXX veteran and have a checking account, XXXX investment accounts and XXXX vehicle insurance policies with USAA. 

I have been depositing the same weekly payroll check via the USAA mobile app into my USAA checking account, for the same amount and drawn on the same corporate bank for over 2 years without problem. My funds have immediately been available to me in the past. 

USAA has begun to " hold '' my checks for the entire deposited amount for 8 days before releasing and allowing access to my funds. Just yesterday I deposited a payroll check so that I could pay a car insurance premium and was stuck with a " hold '' on my check until next week. I had the same thing happen on a deposit XX/XX/2015. The hold is placed on the deposit for 8 days and then the funds are made available. 

I had been in the VA hospital and my auto insurance policy is about to be cancelled so I needed to pay it after depositing my check. Now thanks to USAA I will not be able to do that and after speaking with them there is nothing that can be done to reverse this " deposit '' so that I can cash my check somewhere else and conduct my business. 

USAA customer service and product policy has become very customer unfriendly to the point that I am cancelling all of my accounts ( auto, investment and checking ) with them. 

If you want reasonable and timely access to your hard earned money you should avoid this " bank '' and deposit it into a real bank that has a real branch near you. Meanwhile, I am stuck waiting for this smug " bank '' to release my money.
I disputed this item with XXXX on or around XX/XX/XXXX. They gave me an expected date for my results for XX/XX/XXXX. I never received any updated emails, as they said I would. I gave XXXX a call on XX/XX/XXXX asking for the results of my dispute for XXXX/WAL-MART. The young lady I spoke with, stated they have been sending me emails of updates, but I have not received one email from them. She told me that Walmart has last reported this account on XX/XX/XXXX and it will not be removed until XX/XX/XXXX. She stated if I wanted this account removed, I would have to get in contact with Walmart. I called Walmart and spoke with XXXX, who told me that account was closed on their end and he doesn't know why XXXX can not delete this account. He said there is nothing else he can do about it and it is out of his hands. I have not used this account since XXXX, and it was closed XX/XX/XXXX. I don't understand why XXXX lied about emailing me updates. Also, why is XXXX saying the company is reporting the account, when the company said they are not.
AIMLoan.com failed to pay real estate taxes when due out of the escrow account maintained for tax purposes. To date they have only paid a {$210.00} assessment with an additional {$4300.00} past due. As the borrower, we reached out numerous times only to be told it was being researched. As of today taxes remain past due by one month.
I have numerous times filed a complaint with TransUnion to update my BALANCE on XXXX CREDIT CARD, which was settled months ago and XXXX provided me letters showing that it should be {$0.00} balance.
This phone number was recently assigned to my XXXX XXXX XXXX daughter. The collection attorney from Palmer, Reifler and Associates, P.A. keeps calling her looking for a person named XXXX with a recorded message in violation of the TPPA. 

I would like them to stop harassing a XXXX XXXX XXXX little girl over a debt that she does not have anything to do with.
I was applying for credit and was denied I received my free credit report and found that I had a collection from federal pacific for XXXX dollars original creditor lists XXXX. I have never had a car loan from this company. Also I disputed this same claim on XXXX and it has been deleted I was unaware you had to a claim to each agency. Your help on this mater would be greatly appreciated as my family is looking to purchase a home ... .I have filed a dispute with XXXX the number is XXXX
To whom this may concern : I am writing to you about the illegally fraudulent act of a inquiry on my credit by Nicholas Financial Inc XXXX, OH ( XXXX ) XXXX This illegal activity Nicholas Financial performed on my identity was around XX/XX/2018. 

I called the manager of the branch and spoke to a gentlemen named XXXX and asked him why did he pull my credit, and he stated To get your attention regarding a change in your personal information .. I have a great track of payment record and this was an unfair act that hurt me. I want us to take action and justice and seek damages regarding this company illegal act. 

This has caused me pain, stress and sorrows. This fraudulent act by this company caused damage to my credit FICO and has dropped my FICO score over - 100 pts causing me to lose the opportunity to purchase a home for my family and kids and also hurt my chances of me closing on the personal loan to help my family. Please, I am asking for you to remove this hard inquiry from my credit and help me take justice to this company. I do not want others to be affected but this illegal threatening way of practice. Please help me.
This Company and bureaus ( XXXX XXXX & XXXX ) are reporting this account to my credit report. This is a fraudulent account this does not belong to me XXXX XXXX Date Opened:XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$1700.00} is reporting on my credit profile. the information that both parties refuse to send and VALIDATION and VERIFICATION.
On  XXXX / XXXX /17 Huntington National Bank involuntarily offset my account in the amount of {$550.00}. The problem I have with this is I spoke with a member of the Huntington National Bank customer service the week prior regarding the debt they took my money to pay. A phone call the representative I spoke with on  XXXX / XXXX /17 verified through their records. A customer service representative was supposed to contact me between  XXXX / XXXX /17 &  XXXX / XXXX /17 to set up a payment arrangement for this debt. Instead of calling me back to set up this payment arrangement, they decided to clear out my bank account instead without my knowledge. This left me with a {$0.00} balance, checks out for bills I had paid, and stuck in another state with no way home. As a courtesy, they refunded {$100.00} because I called them extremely upset that I was stuck somewhere else with my daughter and was unable to get home because they took every penny I had. I contacted them on two separate occasions after this explaining the situation and how I spoke with someone regarding setting up payments. They would not work with me at all. I went into a local branch and spoke with them about the situation and the man was very rude, stating the bank is not going to refund my money just because I ca n't manage my finances. I received a letter stating they had done this because they had contacted me by mail several times regarding the account that needed paid, but that letter was the first one I ever received from the bank. They also informed me they would refund a return check fee due to a check being returned because they took all my money. When I called back to get this refund, they had no intention of refunding it until I stated I was filing a complaint with the CFPB. I have been banking with this bank for several years and was very disappointed by the way this was handled.
Greetings, My name is XXXX XXXX I was XXXX from the Military and after almost a year from XXXX I struggled to pay all my debt. so I decided to enroll in the Debt Settlement Program and they promise me to pay my debt from XXXX XXXX Credit Card and they Included the XXXX XXXX Credit Card as contingency debt which I owe in the amount of {$5900.00} but unfortunately they denied the XXXX XXXX XXXX was not included on the program. so the XXXX XXXX Credit Card started garnishing my Social Security XXXX since XXXX 2014 to present. now my problem is they sold the debt to a collection agency simultaneously garnishing a portion of my XXXX. now the collection agency TRANSWORLD SYSTEMS INC. want me to pay {$6100.00} now Im confuse and helpless. 
I hope you can help me and give me advice because I do n't know what to do and how to deal with collection agency that continued collecting a payment. I will disclose the address and phone number of the involving party Sincerely XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS I. 
Attn : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX
In XX/XX/XXXXwe purchased a XXXX XXXX XXXX XXXX from a company called XXXX. We had auto draft payments every 2 weeks. At one point we made a early payment and it automatically canceled out the auto payment for that week. Everything was going fine with the payments until the XX/XX/XXXX payment was due, first the loan was transferred to a company called Bridgecrest. I made another early payment on XX/XX/XXXX, and thought nothing about the auto draft payment stopping, because it had always dropped in the past. But for some reason the auto pay did not drop and I was charged twice, this was devastating to our checking account, because a domino affect happened where everything that tried to clear was charged an overdraft fee, we have payed around {$600.00} in service fees. We called Bridgecrest to talk to them about why they had taken an extra payment, and told them about the service fees. At first Bridgecrest denied any wrong doing. So I reached out to our prepaid legal services to see if they could help us, The lawyer was able to get the extra payment refunded back to us, but Bridgecrest still refuses to take responsibility for the service fees, our attorney has advised us to write this letter to you since there is nothing more they can do for us without spending money to go to court which we don't have. We have been living in the negative in our bank account since this has happened, been unable to pay bills, even our van could be repossessed if we don.t come up with another {$670.00} by the middle of XX/XX/XXXX, plus pay my cousin back {$660.00} by the XX/XX/XXXX as he helped stop total repossession of our van.
My uncle has been a Fifth Third Bank member for many years. He has kept about {$500.00} in his checking account and over {$12000.00} in savings as of XX/XX/XXXX. The bank has a so-called courtesy transfer so that his checking account is kept current in order to pay any checks when his balance goes below zero. He has been paying his bills through the checking account. His income comes from Social Security ( {$660.00} ) and is deposited in his savings account. He has paid hundreds of dollars in these courtesy transfers. They are {$12.00} for each occurrence. By the beginning of this year he started running low in his savings. The first few months of XX/XX/XXXX he accumulated about {$110.00} in overdraft fees. From the XX/XX/XXXX. statement to the XX/XX/XXXX statement he had accumulated over {$1300.00} in return item and overdraft fees. I did not find out until XX/XX/XXXX that he was ( {$500.00} ) in  arrears because of all the excessive fees. We started managing the account from then on to help pay for his bills. The bank did not help rectify this problem. My uncle was hospitalized during this time. Documents show he has XXXX XXXX XXXX and has XXXX XXXX XXXX. The bank has charged over {$2000.00} in fees over the last several years. I realize that the bank has rules, however considering the circumstances I feel that the bank had made my uncle whole through the courtesy fees and in his frame of mind felt that the savings would always cover his bills. In 2 months he was charged over {$1000.00} in overdraft fees. All I want is a fair evaluation of his situation. With the use of modern technology I feel the bank is being unfair to charge this excessive amount in fees. My uncle has no more resources other than Social Security to live on. Fifth Third is advertising about no ATM fees. The courtesy fees and overdraft fees from my uncle are allowing the bank this gimmick.
On XX/XX/XXXX all free annual credit reports were ordered. Within one week two of the three reports had been delivered. Equifax did not send my free annual credit report. This is a recurring issue with Equifax including previous complaints filed with CFPB. Equifax also keeps sending me the same letter over and over that there has been a recent address change on my credit file. The address listed is my previous address from 20 years ago. Last year Equifax assured me by phone that the letter would stop being sent as it has been arriving for the last nine years. I received the same letter in XX/XX/XXXX. That makes ten years the same letter has been sent to me without resolution.
I maintain a credit card account and pay each month in full, no balance carried. 
On XXXX XXXX, 2016 an email message was received stating that there was a balance of {$780.00} and this amount was being deducted from my checking account on the day prior to the email notification just received. After lengthy telephone wait and conversation, a Synchrony supervisor said there were thousands of incorrect/erroneous billing notices emailed to their customers - but that they were taking no action to alert clients, or to send memos stating that the bills were in NOT order and that they could be safely ignored. 

I insisted on receiving confirmation in writing - and did receive an apology - but nothing stating that the bill was an error on their part. 

Now, a month later, another such letter has been received. Again, it is stated that we owe {$780.00} and that it would be deducted from my checking account, deduction to occur three days prior to receiving this notice. In contacting Synchrony agan, and waiting an extended time, I spoke to a Supervisor who said there is a system problem, nothing they can do about it, clients are NOT being notified of the error, and it will continue until it is fixed by their " back line '' people - whomever, whatever that is. I asked to speak to a Manager, but was told, after another extended wait, that there was no manager present. However, that a manager would call me. 

Had I not been on AutoPay, receipt of the initial memo would have likely caused me to overpay and send in the {$780.00} to avoid a late pay situation. Synchrony may be sending out these erroneous notices, and receiving extra payments from clients who have no idea that the bills are completely wrong. In addition, it would seem that the consumer has risk of bad credit report information being submitted by Synchrony based on their broken system. 

This problem needs to be fixed quickly. It has extended beyond one month. Consumers need to be notified that Synchrony has this problem, and that the consumer 's account and credit report will not be affected. And, Synchrony should be fined for their failure to properly notify affected clients.
Law Firm Patenaude & Felix keep harassing me with calls to me, my mom, and now my work. This is for a debt that is not mine or one that I do not recognize. Regardless, they are in violation of credit collection laws and my privacy to be contacting family and my work!