WillisBack/dataset-financial-user-claim huggingface dataset:
In early XXXX of XXXX I inquired about loan assumption. A Roundpoint representative ( representative ) assured me that I would be able to assume the loan. During these initial phone calls, it sometimes seemed as if the representative did not understand me and it was difficult for me to understand the representative. What was clear however, was that the representative was sure that I could apply for assumption. So, I proceeded with what I understood to be the process for assumption. 

On XX/XX/XXXX, I requested by email ( attached ) that the paperwork for the loan assumption be sent to me, as directed by a Roundpoint representative. In XXXX, I followed up with Roundpoint by phone to confirm that they had received my email requesting loan assumption paperwork ( packet ). A representative confirmed receipt of that email and stated that the packet would be delivered shortly. 

On XX/XX/XXXX, I sent a letter via email ( attached ), requested by Roundpoint, with details of names of the current owners and assumptors. I received an email confirmation of receipt of that letter on XX/XX/XXXX. In mid XXXX, the co-owner of the property called Roundpoint to follow up on receipt of the required letter. The co-owner was told by a Roundpoint representative that a customer advocate was reviewing the assumption. 

On XX/XX/XXXX, I sent an email to Roundpoint asking for guidance on next steps for continuing the assumption process. On XX/XX/XXXX, a representative from Roundpoint contacted me via email with an attached assumption packet. 

On XX/XX/XXXX, a representative from Roundpoint contacted me via email to tell me that I can not assume the loan ( attached ). 

In XX/XX/XXXXand XX/XX/XXXX I inquired via email to a Roundpoint representative about restrictions to assuming FHA loans and whether my brother alone could assume the loan. A Roundpoint representative then sent me HUD XXXX Chapter XXXX as proof that I can not assume the loan and an email suggesting that my brother could apply but could not assume the loan unless currently living in the home and if he is a different brother than the one who was interested in assuming the loan in the first place. 

I still dont understand whether this loan is assumable or not, and if so, by whom. Furthermore, I do not understand why I, my brother, or both of us can not assume the loan. This poor service on the part of Roundpoint Mortgage has led me to lose lots of time preparing for assuming a loan that they seem to not want be assumed, it has contributed to : my ex-partner accusing me of lying about the assumability of the loan, a missed half mortgage payment, threats of filing a partition of property, stress, poor performance in school, and me spending a great deal of energy investigating options for a conventional refinance with another lender that will cost thousands more than an assumption at a higher interest rate, and perhaps a lower market value if assumability was indeed an option for this and future transfers of ownership.
I was notified on XX/XX/2018 that I had this debt for XXXX. I have never heard of this collection agency nor received correspondence. I keep my credit clean and pay all bills. This is either a fraudulent charge or they have the wrong person.
I have reached out to Convergent asking for a statement to be mailed. I aswell has answered one of the many calls from the collector and had asked her to send a paper statement and the collector hung up on me and then repeated to call several times.
XXXX collections in regards to XXXX not only called me repeatedly during work hours when I informed them several time not to call due to my work place not allowing that then they took the liberty to call my family member and share my personal information with them
On XX/XX/XXXX a letter I sent to Conns Credit Company requesting validation of an alleged account in my name was signed for via certified mail. It is required by federal law that a notice of dispute is to be placed on any account within 30 days of a dispute in which Conns Credit Company failed to do. I have retained a copy of signature and date of receipt as well as a time-stamped copy of my credit reports, showing that Conns has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. A follow up letter was sent and was signed for on XX/XX/XXXX stating that FCRA rule had been broken and a deletion of the trade line was required. I received the exact same letter from Conns Credit Company ignoring my request, and to this day a notice of dispute has not been placed on my credit reports nor has it been deleted. Due to the fact that Conns has violated the terms of the FCRA I am requesting a deletion of this trade line from my credit reports.
XXXX XXXX ( A scammer ) offered to buy my tv for {$370.00} on XXXX. Said they would send certified funds via XXXX I rec 'd a check for {$1900.00} on XX/XX/XXXX and texted, asking why so much? The scammer responded that I send the overage via XXXX XXXX to their movers, a XXXX XXXX in KS. On XX/XX/XXXX my bank had cleared the check and the funds were made available in my account so I sent the {$1400.00} as requested. Today XX/XX/XXXX, my bank debited the {$1900.00} check saying the check was fraudulent. I have many texts & emails back and forth with this person prior to the check bouncing. When I texted today, I got no response.I have contacted XXXX XXXX ( case # XXXX ) and the XXXX Police ( case # not yet assigned ).
On/or about XX/XX/XXXX I sent a certified dispute, to Equifax concerning the furnisher ( Court ) of information as to a Public Record relating to Bankruptcy-Chapter XXXX in their files maintained under my social security number. ( See Dispute letter attached dated XX/XX/XXXX ) Equifax responded to dispute with letter dated XX/XX/XXXX, stating The information you disputed has been verified. However, the information I disputed was name of court that furnished information, as per their entry in credit report file maintained under my social security number. ( see  attached results of Equifax reinvestigation and excerpt from XXXX XXXX Equifax credit report dated XX/XX/XXXX ) Prior to receiving Equifax result, claimant requested information from Court ( U.S. Bankruptcy Court XXXX XXXX of Illinois ). They unequivocally via letter dated XX/XX/XXXX state The bankruptcy court does not perform any activity with the credit bureaus. ( see letter attached Page-2 ) Last, but not least they have reported in their letter result of reinvestigation dated XX/XX/XXXX that they obtained the information concerning court bankruptcy from XXXX XXXX XXXX, another consumer reporting agency. ( see attached Equifax Report dated XX/XX/XXXX, page-3 ) Further, I place a security freeze on accounts with XXXX XX/XX/2018, They are not listed as the Furnisher of this court bankruptcy, under my social security number with Equifax, in the credit reports I receive from them. That is to say Equifax has erroneously listed U.S. Bankruptcy Court for The XXXX XXXX of Illinois as the Furnisher of this information. ( see attached security freeze letter from XXXX dated XX/XX/XXXX ) Wherefore, I am requesting deletion of these listings because the court did not report this information to them as mentioned above and any other listings under my social security number in credit report of which this entry is referred to as per the applicable Fair Credit Reporting Act, due process and equal protection of the law.
Recently there have been changes to my Equifax Credit Report. I requested Equifax to mail me a new and up to date credit report. Equifax has failed to comply with my request. I am requesting Equifax to send me an up to date and current credit report.
When my mortgage was with Bank of America ( B of A ) I had a letter that said I may qualify for a mortgage modification. I then called B of A for more details and was told if I did this it would not have any serious negative effects on my credit. I advised I would try and do this and filled out all the paperwork time and time again but seemed to be getting nowhere. Every time I called I had to talk with different people before they would put me through to the person handling my case. There were times it took days to reach the person I needed to speak with. I was told or it was implied that if I was behind on payments my request would go through more quickly and probably be approved so I asked again if I did this would my credit be affected and was told it would not. Therefore, I got behind on my payments but nothing changed and I kept getting the run around so I caught up my payments at one time and told them I wanted nothing more to do with getting a modification which I had to do repeatedly. Finally they sent me a letter denying the modification. That was the first and only time I had late payments of any kind. B of A did not keep their word and dinged my credit anyway. 
I have disputed this with all XXXX credit reporting agencies and have also been in touch with our consumer advocate group " Let XXXX know '' on XXXX XXXX XXXX in XXXX, Arizona and have been advised by them to file with the reporting agencies and then contact B of A and ask them to do the right thing by having this blemish taken off my record. I will also report it to the Consumer Financial Protection Bureau ( CFPB ).
Months after receiving service at a local ER, I paid the bills and moved on. I was then contacted by the business mentioned in this complaint, who stated that the hospital had never received the payments. 

I provided the collection agency with multiple copies of proof of the payments, including faxed copies of the check images from my bank, but they refused to close the case and instead attached a collection notice to my credit report.
I have had several loans serviced by College Foundation that have been purchased by XXXX XXXX and XXXX. I accrued late charges and interest and was put in deferment even while I was in school. They listed negative marks on my credit report while I was in school and now, will not remove the negative items from my report. It has been over 5 years that I have attempted to have these items removed.
the apartment where I lived put I owe the XXXX on my credit report rent was paid on time never received any bill at new home for this amount checked credit report 5 months later to find out this was submitted on my credit
XXXX XXXX called me from XXXX and stated her call back number was XXXX. She said she worked for XXXX XXXX XXXX Financial Crimes Department and Verified the last 4 of my Social Security number. 

She stated that there was a XXXX XXXX XXXX account opened and a wire transfer than was made from another bank around 2012. She said they are filing a lawsuit for Fraud and forwarding the information to processing.
XXXX appears on my credit report as an open collection, however it was discharged in bankruptcy. It should be removed.
On XX/XX/2018 at XXXX i contacted Chase Bank and Spoke a customer service Rep named XXXX and a supervisor named XXXX to close my account and was told i couldn't close the account because Chase system was down.

I noticed that Chase will manipulate and not post and hide certain transactions in order to incur a {$34.00} INSUFFICIENT FUNDS FEE, I was hit with several {$34.00} INSUFFICIENT FUNDS FEE over the course of a few months although i made a deposit before the cut off time. 

Today was no different i called to close my account and saw once again another {$34.00} INSUFFICIENT FUNDS FEE although i made a electronic deposit and was told {$34.00} INSUFFICIENT FUNDS FEE can not be reverse although i transferred money into the account before the cut off time and date. 

Chase has the deposit pending which is another method used to incur the {$34.00} INSUFFICIENT FUNDS FEE and i was told by customer service Rep XXXX and a supervisor named XXXX the system is unavailable and to call back in a few hours, which will be XXXX
I've previously submitted a complaint to CFPB on XX/XX/18 about these alleged debts from Midwest Recovery Systems. Per their response, I would receive verification of these debts via mail. I haven't received absolutely anything from Midwest Recovery Systems regarding these alleged debts. I've requested verification of said debt accounts however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for these alleged debts. Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. Nothing was furnished to me.I demand that these accounts be removed from all three ( 3 ) reporting credit agencies please.
My mother opened XXXX IRA accounts at Ally Bank in XXXX. I helped her complete and submit the paperwork to the bank at that time. The paperwork provided the names of the beneficiaries and the percentages due to each beneficiary upon death of my mother. My mother passed away on XXXX/XXXX/XXXX. Since early XXXX I have been struggling with Ally Bank to recognize me as the Executor of my mother 's estate and to speak with me about the balances in the accounts. Over the past 2 months, I have placed over 20 phone calls to the bank to resolve issues that they have created, including distributing an RMD to my deceased mother in XXXX of this year. Each issue until today has been frustrating but ultimately resolved. Today however, the issue is egregious because it has caused financial harm to me and it is the reason why I am filing this complaint. 

Ally Bank informed me in XXXX that they would not transfer the proceeds of my mother 's IRA accounts until all paperwork was received by the beneficiaries. However, on XXXX XXXX, XXXX, they began to transfer the proceeds starting with my portion. On XXXX XXXX, they transferred another portion to XXXX of my siblings. The amounts that were transferred to each of us were different. When I calculated what should have been transferred based on the percentages my mother allocated in the documentation provided to Ally, I determined that calculations were incorrect. I called Ally Bank to ask them how they arrived at the figures that were distributed. The manager, XXXX XXXX, stated that the operations department decided on the amounts to distribute to me and my siblings because there were no instructions provided by my mother. He stated that the amounts in my mother 's accounts were divided by XXXX and we each received our portion. 

My problem with this is three-fold. One, Ally Bank told me in XXXX that they would not transfer any proceeds to beneficiaries until all of the required paperwork from each beneficiary was received. Two, my mother provided specific percentages that each beneficiary was to receive, but the bank did not follow the explicit instructions provided by the account owner. Three, if the bank had indeed transferred the balance in XXXX equivalent portions, the amounts would have been the same, but they were not! In fact, the amounts that have been transferred so far are less than one-third of the balance that was in each of my mother 's accounts as of XXXX XXXX, XXXX! 

This is a serious issue because I am personally entitled to 34 % of the balance in my mother 's accounts but I only received 33.04 %. XXXX of my siblings received 33.06 % and the balance left in the accounts represents 33.9 % of the total!! The difference between what I should have received and what I did receive is approximately {$2100.00}. I realize that this may seem like an insignificant amount, but the issue is n't the amount. The issue is that Ally Bank is not following its own internal procedures, is not following the instructions provided by account owners, and is transferring incorrect amounts to beneficiaries.
I CHECKED MY CREDIT REPORT AND IT SHOWED 5 FRADULENT ACCOUNT FROM ARS ACCOUNT RESOLUTION THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX I EVER BEEN THERE DONT DO BUSINESS WITH THE I EVER GAVE EVERYONE CONSENT TO USE MY NAME AT ANY OF THESE COMPANIES. I HAVE ATTACHED MY POLICE REPORT. 

THE OTHER FRAUDULENT ACCOUNTS ARE ( XXXX XXXX, XXXX XXXX, XXXX, ) THAT WAS REPORT TO ALL 3 CREDIT BUREAUS.
ON XXXX XXXX COMPANY RUSH CARD DID A SOFTWARE UPGRADE AND IN THE TRANSACTION PROCESSING SYSTEM DID N'T GO AS PLANNED CAUSING MY ACCOUNT TO SHOW XXXX BALANCE AND I HAD NO ACCESS TO MY MONEY I HAD ON THE RUSH CARD WHICH MEANT I WAS UNABLE TO PURCHASE FOOD, I COULD N'T PAY MY CAR PAYMENT, PAY MY BILLS WHICH CAUSE SOME TO BE LATE AND ADDED LATE FEES WHICH I WILL BE RESPONSIBLE FOR NOT RUSH CARD, AS OF TODAY XXXX/XXXX/2015 SOME REMAIN WITHOUT ACCESS TO THEIR MONEY MORE THAN A WEEK AFTER TECHNICAL PROBLEMS FIRST BEGIN THINGS ARE STILL NOT RIGHT AND THINK RUSH CARD SHOULD BE HELD RESPONSIBLE FOR ALL THE PAIN THEY HAVE CAUSED ME AND MILLIONS OF OTHER USERS ... THANK YOU!!!
XXXX charged me. i never authorized that charge or even get their credit card. after calling them repeatedly i was unsuccessful. i filed a dispute with TransUnion. The response from TransUnion on XX/XX/2018 was that they reinserted in my credit report with no explaination.
I specifically reported XXXX XXXX XXXX ( Not XXXX XXXX ) about a $ XXXX balance for an account that is n't mine. Initially Equifax removed it, then they put it back on there. XXXX XXXX themselves even verified this account was fraudulent. They even told me Equifax looked into this and confirmed. They need to remove this fraudulent account.
I am one of the many borrowers that has my loan serviced by Navient. When I tried to arrange for a more affordable payment, I was forced into forbearance ( multiple times ), this year I paid basically nothing in principal and about {$3000.00} in interest! I did not fully understand how much I had been taken advantage of until I got my XXXX!
specialized loan servicing XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, co.XXXX started foreclosure for 4 mo. late payment they charged me foreclosure fees of {$760.00} I have my bank documents showing the payments cleared my acct well before expiration of grace date SLS disagrees and refuses to cancel charges
Wells Fargo Bank is trying to take advantage me because I am XXXX. ( 1 ) They are putting false information on my credit report. They claim I own them money but state of limitation has pass to collect. ( 2 ) They have no contract with me with ink. I will like for Wells Fargo bank show me the original contract I sign. Pick one out of XX/XX/XXXX, we can meet in XXXX and I have expert look at contract to prove that not valid contract. 
This is not first time Wells Fargo Bank discriminate against people. 
On XX/XX/XXXX, Wells Fargo & Company ( Wells Fargo ) entered into a settlement agreement with the U.S. Department of Justice ( Department ). The Agreement requires Wells Fargo to compensate ( pay ) certain individuals who experienced XXXX discrimination in violation of Title III of the Americans with Disabilities Act ( ADA ) when trying to call Wells Fargo, visit one of Wells Fargo 's banks or retail stores, or otherwise access Wells Fargo 's services.
I notice my address listed on my credit report is incorrect because I have never lived there. I called the credit reporting company and was informed that the address was reported by XXXX XXXX XXXX XXXX, which is by XXXX XXXX. 
I contacted XXXX XXXXXXXX XXXX XXXX Live chat and talked to XXXX XXXX on XX/XX/17, and he promised the incorrect address will be removed from my credit report within 30 days. I follow up with my credit report on XX/XX/17 and the incorrect address is still there. I contacted XXXX XXXXXXXX XXXX XXXXXXXX again and was transferred to XXXXXXXX XXXX XXXX Account Manager, XXXX ( ID # XXXX ), and she could n't promise she would solve this issue. XXXX transferred my call to another Account Manager, XXXX ( ID # XXXX ), and she said my complaint was childish and she could n't promise she would solve this issue. XXXX transferred my call to XXXX XXXX 's voicemail so I left a message and asked him to call me back. He never call me back to address this issue. XXXX XXXX XXXX customer service is very poor. Their managers do not listen to the complaint, can not provide solutions, and are not professional. Instead, their managers are rude, argumentative, and just pass the problem to the next person. 
Per the Account Managers, XXXXXXXX XXXX report the incorrect address to my credit report even though the address was not update nor provide by me. XXXXXXXX XXXX can not prove this is not a clerical error and refuses to contact the credit report companies to admit the mistake so the incorrect address can be totally erase from my credit record.
It appears a medical vendor failed to disclose total amount of charges and failed to contact me directly about sums due. 

Sent to collections without notice to me and collection agent failed to contact me or confirm contact. Collection agent filed negative report on XXXX and XXXX.
On XX/XX/XXXX, I mailed letters to XXXX, Experian, and XXXX XXXX ; asking them to investigate errors on my credit report. They were supposed to respond within 30 days, but they have not.
i have been a valuable member and have used and paid the card only to receive a XXXX increase in my limit. I think this is ridiculous and i would use the card alot more and pay it off more if the limit was increased. When i opened the account the lady told me that i could probably request a XXXX limit within about 3 months but yet i am at XXXX. My credit report shows i pay all my bills, no matter how many there are, they are paid. I have no collections, i have no past due balances and i am not near my limit on anything
XXXX XXXX XXXX XXXX ( formerly Nationstar ) purchased condo insurance coverage ( HO-6 ) on our behalf that we already have on our current master policy. I have tried repeatedly to correct the problem, including providing a copy of our master insurance policy and making three separate phone calls. After each effort, I was informed that we had adequate coverage and that I did not need to take further action ( i.e., purchase additional coverage. ) Our mortgage was transferred from XXXX to Nationstar on XX/XX/XXXX. We were informed that our condo insurance had expired ( which it had not ) and that I needed to provide a copy of our master. It was faxed XX/XX/XXXX and when I followed up with a call on XX/XX/XXXX, I was informed, per automated message, that our records had been updated and that no further action was required. We then began receiving letters informing us we needed additional coverage. On XX/XX/XXXX, I talked to Customer Care Specialist ( CCS ) XXXX, who informed me that our info from our master had been incorrectly input, that she would correct the problem, and that we had adequate coverage. Subsequently we received another letter informing us we needed additional coverage. On XX/XX/XXXX, I talked to CCS XXXX, who made a three-way conference call to our condo insurance company and talked to XXXX ( XXXX XXXX. XXXX, XXXX XXXX, MO ), who confirmed that our master does indeed cover HO-6 (  aka " walls in '' ) coverage. XXXX agreed to remove the insurance purchased on our behalf by Nationstar ( now known as Mr. Cooper ), including all charges. In XX/XX/XXXX, we received our latest escrow analysis and the charges for the unnecessary insurance have not been removed and our monthly mortgage payments have been increased.
I have disputed information on my consumer reports with all three CRAs and each has ignored my complaint about incorrect accounts and identity theft where a collection company has used a fraudulent social security number to link an account to me. I have tried repeatedly getting this corrected with the credit bureaus to no avail. I am here to ensure my complaint is accurately processed as it should have been the first time. Having exhausted all my resources and no longer able to dispute these accounts with the CRAs Ive since obtained help from the FTC to file and Identify Theft Report.