WillisBack/dataset-financial-user-claim huggingface dataset:
I was informed by my credit reporting agency that I have negative reporting on my credit report dated for the month of  XX/XX/XXXX   XX/XX/XXXX  and XX/XX/XXXX  from   XXXX   XXXX   XXXX   it showed that i had missed payments / late payment made on my account and it was reported to the credit reporting agencies showing an negative impact on my credit I have contacted   XXXX   XXXX   XXXX   on numerous occasions trying to get this problem resolved on my credit report I have finally sent them copies of thier own records showing my payment were made on time but they have not yet responded back or reported my payments were made on time i have been corresponding back and forth with   XXXX   XXXX   XXXX   but they just keep giving me the rum around over and over.
fraudulent account, XXXX XXXX XXXX, XX/XX/2015, XXXX $
i have made payments accurately and is in good stander but still is reporting poorly on my report bring my credit score down and keeping me from getting qualified for home loan. XXXX XXXX XXXX is filing claim
Coinbase.com represented on their website, and app, that a money transfers take 3-5 business days to complete before funds are available to transfer out ( such as transferring to another cryptocurrency exchange ). After I submitted the money transfer ( on XX/XX/XXXX ) I received a confirmation email stating the funds will not be available to transfer until XX/XX/XXXX. That's 13 business days ( 17 calendar days ). 

They misrepresented the time scale by almost double. Locking up my funds, past an important date for a specific crypto investment I was going to make at another crypto exchange.
i had lost my job and was trying to modify my mortgage loan. i had requested and filed my paper work to my mortgage company and month after month they said they did n't get my paper work so i had to start the process over, while going threw a modification ever home wont except any payments so i was falling behind on my payments.after about 2 years i figured out that they was n't going to help me they just wanted me to lose my house. i looked for help with fannie mae where they did help me keep my home. my problem now is i have many late payments on my credit report and would like to see them gone is there something i can do
XX/XX/2018 I received only 1 notice from some type of Law Office name RAUSCH, STURM, ISREAL, ENERSON & HORNIK LLP. regarding payment options on a written off debt from XXXX XXXX XXXX D/B/A. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Texas XXXX. A few Days later without giving me by law ample amount of time to dispute that debt, that I have no knowledge of owing, This law firm filed immediate legal actions against me, and this was before the 1st payment due date XX/XX/2018 .On the legal document the law suit was filed on XXXX XXXX in Justice Court XXXX , County Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, This seem to me that debt collection Law office used an abusive tactic to the fullest extent, to scare me into paying that money assumed I owed, I am disable, living off a small fixed income, don't foresee me being employed in the near future, I contested that suit, sent to that court my Social Security Award Letter as proof of income, showed a copy of the only letter received via mail from that plaintiff lawyer, I informed the court that the statue of limitation has ended for XXXX XXXX to sue me, I didn't receive any papers showing that company has the right to sue me, Chief of title, original papers I signed, No paper trail showing missed payments / payments made to XXXX XXXX , tried to discuss the matter via phone with 3 of XXXX employees in their debt collection / and customer service dept, was told they no longer had my personal file it was given to a 3rd party agency which is that law firm- I also recently became a victim of identity theft through cyber breach and was notified by mail from one of the 3 major Creditor Bureau , not saying this is/ not my account- they did not Validated their claim regarding this alleged account that causing me to have reservation about this matter, I was also given just 14 days to respond to that courtroom, and on top of that I am still getting payment options letters from that firm -I 'm trying to recover XXXX  after XXXX, the worse storm ever to hit XXXX, no one should ever have to endure abusive tactics from collection agencies
I always check my bank accounts to avoid overdrafts or late fees ; yesterday was the same. Today I received an alert in my phone telling me about an overdraft and at XXXX I covered the amount and a few dollars more. I came home and after lunch I received another notification about another overdraft, I checked the account and Wells Fargo charged me an overdraft fee. I called them and they said the overdraft occurred last night at XXXX and I made my last purchase around XXXX. 
I 'm not agree with this bank behavior and the way they 're looking to charge fees to us, the consumer. I want my money back and make them improve the alert system and the communication with clients and stop this corrupt bank having this abusive practice. 
Thank you for your assistance.
Saw a unauthorized charge of XXXX from a overseas company XXXX XXXX and I did not not do. Checked with the bank but they said my time was up to report. Learned this week that my card was compromised at XXXX 's restaurant. How can I fix this or get my money refunded.
Navient. I have been trying to get my co signer off my loan. Its been over 10 years since I graduated from school. I should n't need a co signer at age XXXX. They keep giving me different reason not to release my co signer. First time it was i did n't make enough, which was false. I sent in pay check stubs to prove it. Then i sent it in again and this time they came back that me credit report from XXXX says that I have ( serious delinquency, public record, collections on file, time since derogatory public record, collection to short ). Only thing I had was a credit card with XXXX XXXX with some late payments years ago and is one of the reasons. Navient give me XXXX number to call them if I did n't think this was correct and to tell them. Well I called them and they did n't see any of this. My credit is great. I have put in another complaint with Navient and they are supposed to call me. They did n't call me on the first complaint I put in on this. hope they do and the second. I feel they are holding me back with false info to keep my co signer on my account.
On XX/XX/2018, I received two Bank of America letters regarding Secured Business Credit Cards ( Application #, where I had to open a CD in the amount of {$1500.00} in order to process and open the two credit cards.

I applied for one CD on XX/XX/2018 ( Confirmation # XXXX ) and another CD on XX/XX/2018 ( Confirmation # XXXX ). I received two emails saying that " Online application is in progress '' but never received the account numbers or confirmation of opening. Subsequently, Bank of America withdrew {$1500.00} on XX/XX/2018 and {$1500.00} on XX/XX/2018. I have proof of the withdrawal on my bank statements. 

When I called the CD Department, they were unable to locate the accounts and said to call back another time. 

I submitted the Applications # XXXX and # XXXX on XX/XX/2018. I received email confirmation of receipt for them. 

On XX/XX/2018 I called in to Small Business Underwriting to see where we are at. The rep said I have to check with CD first and gave me the run around.

I am out {$3000.00}, no account confirmation of CD 's, and can not even open my two secured business credit cards. This is highly unprofessional.
I am currently in the process of refinancing my home. To improve my credit score, I paid off a number of outstanding credit card balances including one for American Express. When my mortgagor requested for me to obtain a XXXX balance letter from AMEX, I thought this would be easy to resolve. I contacted AMEX on XXXX/XXXX/2016, made my request and they stated it would be faxed in 48-72 hours. No problem. By Monday, XXXX/XXXX/2016 at XXXX, the letter had not been received. I called back and made the request again. I spoke with XXXX in the XXXX balance area. She and her supervisor prioritized my request ( I thought ) and she stated the letter would be faxed within the hour. 
As of XXXX on XXXX/XXXX/2016, the letter had still not been received. I called back ... again ... this time I am informed that my account has a bal- ance of {$11.00}. I resolve this balance and am then told I have to wait another 24-48 hrs!!!!! Explain to me why I have to continue to wait when my requests could have been and should have been honored anytime between XX/XX/XXXX to XX/XX/XXXX?? Especially since I had closed my account as well ... it 's not like I could make any additional purchases!!!! 
This was poor client service ... and I work in client service. I was very disappointed that AMEX could not have reached out to me if they could not honor the request after they had guaranteed it. As a person that works in customer service, I am not impressed by AMEX ' customer service. I am thankful for the fact that I did close this account and do not have to deal with their lack of service further. Now let 's see how long it actually takes to obtain the zero balance letter.
CAUSE OF ACTION : DECEPTION / INTENT / CONTROL, NEGLIGENCE, THEFT, PERJURY,
When I originally called  Rushmore  to ask about getting my   Property Mortgage Insurance removed, they claimed that the only method to get it removed was to have an appraisal done on my house. However, according to the federal Homeowners Protection Act, this should have been removed automatically when the principal balance reached 78  percent of the original value of my home. According to my mortgage statement from Rushmore dated  XX/X/XX , I met the 78 percent threshold before I even requested the PMI to be removed.
In addition, after Rushmore received my authorization for an appraisal to be conducted via fax on   XXXX   XXXX   XXXX  , they failed to actually order the appraisal until   XXXX   XXXX   XXXX  . I believe this was purposely delayed to keep me paying the PMI since Rushmore benefitted from this insurance which seems to be a conflict of interest. I had to call three  times after   XXXX   XXXX   to ask for updates and only after I requested to speak to a supervisor on   XXXX   XXXX   did they finally admit that I had already submitted the authorization for appraisal and that the appraisal should have been done weeks ago.
Rushmore has failed to be transparent during this entire process, and as of   XXXX   XXXX  , has placed a cease and desist hold on my account stating there will no longer be an type of verbal communications, outgoing calls or written correspondence except as otherwise required by law. When I requested phone transcripts of my calls with Rushmore and more information regarding how the process to remove my PMI should have taken place, they refused to offer this information. They have refused to even tell me how much my home appraised for after requesting this via phone call on   XXXX   XXXX   and in writing through their secure message portal. The cease and desist hold seems like their form of retaliation against me and also a way to intimidate me as the consumer.
After my call to Rushmore on   XXXX   XXXX   I was promised a follow-up call with a supervisor to ensure my request was moving forward. I did receive a call on   XXXX   XXXX   at   XXXX   EST   but was unable to answer. The left a voicemail promising a return call in 30 minutes but I never received one or was given a number to contact this person back specifically. This was just another moment in which Rushmore  failed to deliver on what they promised me. This also includes them failing to respond to provide recordings or even phone transcripts of calls I had them that I had also requested.
Complete credit solution account XXXX opened XXXX. I never received proper notice of my right to dispute.
APPLIED HAS SPECIAL ARRANGEMENTS WITH EXPERIAN AND IS BIAS IN VIOLATION OF ALL CONSUMER RIGHTS VIOLATORS.
Why do you have to keep reapplying to have your loan discharged when you 're XXXX? 
Some of the letters I have written addressed to the " lender '' have been returned to me.
This is for loan XXXX XXXX and the late payment on XX/XX/XXXXthat was reported as late on my credit report while an investigation by XXXX XXXX XXXX was being supposedly completed by them. <P/>I reported this to XXXX at XXXX with supervisor XXXX XXXX about the car accident. He agreed to resolve the matter and return my phone call with-in 4 business days. We agreed that I not make the payment until I heard back from him specifically with regards to a resolution. <P/>He further stated as other XXXX representatives verified that a " hold '' or indispute was put on my file and that the next payment due would not get reported late if I the matter was resolved. <P/>I and all parties agreed to this. I only noticed several days later hat they did report by negligence and error that I was late. <P/>I was not late. I never heard from anyone and did as I was told. Which was to not make the next lease payment until the issue was resolved. <P/>As I have stated numerous times, I have tried at least 20 times to contact XXXX and they will not speak with me.
Bull City collection purchased a so calledDebt from XXXX XXXX and has never contacted me but has put the into my credit report listing a recent date as the date of the the debt. He has also listed a made up amount for this debt of more than {$600.00}. First this would have been more than 4 years ago. 
As I have not had electric in my name for over 4 years. Secondly XXXX XXXX would never have allowed us to have a balance that high. We did n't even heat with electric ... it was propane. I recall making a final payment for a partial month when we moved at the time I called them to have it turned off. I tried to get a copy of that from my bank but they had already archived it & said it was not retrieveable. I am XXXX years old & have worked real hard on my credit because I live with my son & his wife & XXXX kids & we were trying to get a loan to buy a house ( size of our family causes us problems finding one we can afford & is large enough ). We had signed a contract on a house that was accepted & we were waiting to close. Then when they checked my credit again the Bull City. collection was on there. We lost the House. We now live in a XXXX in XXXX, KY infested with mice and roaches. We pay $ XXXX for this. This is not fair. I filed bankruptcy over 7 years ago when I lost my house of 34 years in the XXXX XXXX melt down. The only negative thing on my credit is that XXXX XXXX report which is wrong. I have XXXX credit cards XXXX of which I paid off. I have never once been late on any of them. I do n't know what is going to become of us. Please help me.
I 've been paying off my Chase student loans for quite sometime now. And last year, I was able to consolidate my loans into XXXX and so I paid off the Chase student loan. I had some of over payments that were due to be refunded to me. I refund check was issued and sent to me by email but I did not see this mail until just recently. At this point the check ( {$320.00} ) is void. For some reason I can not get a hold of anybody at Chase to even talk to about this issue. They did n't hesitate taking money from me but now that they have to pay something back it 's very difficult to even get a hold of anybody. Any help to resolve this issue will be greatly appreciated.
I was told on the phone that only if I proceeded with the mortgage application to the next step my credit card will be charged. I informed the agent ( XXXX XXXX ) that I did not want to proceed with the mortgage application on XX/XX/XXXX. I was confirmed on the phone multiple times that they will not charge my card until I asked them to move forward. On XX/XX/XXXX, after a week I see a charge for {$31.00} on my XXXX  from Quicken loans! For an application, I did not proceed with.
Recently I noticed an outstanding debt on my credit report from an account I have no knowledge of. This account appears to be from a line of service through XXXX XXXX and now has been placed on my credit as collections. I have never had service through this company nor have I extended my personal information to obtain services either. This account states that it was open back in XXXX of this year 2018.
Greetings! 

I applied for a small business loan with Prosper XXXX for {$15000.00} which was approved in XX/XX/2015 with a simple interest rate of 12.59 % per annum for 5 years [ as mentioned in the promissory note ] but my bank account was funded for only {$14000.00} and the APR on the lending statement is showing as 14.89 %. 

To compound my worst fears the interest that I have paid as of the date of this online complaint is {$1600.00} excluding the loan processing fee of over {$700.00} deducted from my checking account in XX/XX/2015 

My several several phone calls to prosper customer service resulted in their staff giving me extremely rude and reckless answers like : " I dont know '' " I dont have that info '' " Are you a religious worker '' " We made most money from your first month 's payments '' " The interest is charged on a daily basis and the APR computed changes every day '' " The interest and fees change from day to day '' When I did the Math from my side the interest and fees paid to Prosper XXXX is way higher than the fixed monthly payments and the fixed interest rate that was assured to me via phone calls during the application process!!! 

I urge the CFPB to investigate this fraudulent loan and all the Prosper XXXX employees involved in this transaction. 

Many Thanks for your time and
I am writing to request correction of the error described below and to STOP the Trustees Sale scheduled for XX/XX/XXXX. This is in regard to the mortgage on my property at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Per the Consumer Financial Protection Bureau, your company must respond to letter before the foreclosure sale.

Because the trustee assumes the liability in auctioning the property in California a non-judicial foreclosure state, it would be in the trustees best interest not to foreclose on the property due to the following potential violations discovered before the Auction Sale Date.

- The Trustee failed to issue a notice of default. The notice of default was done prior to ( you ) the trustee being assigned. This is a clear example of foreclosure laws and procedures.

- Your company has violated the Consumer Finance Protection Bureau by Duel Tracking a foreclosure date after a complete loss mitigation application was received more than 37 days prior to a sale date. Your company denied my loan modification appeal on XX/XX/XXXX ( see attached ).

- Your company duel tracked a foreclosure date during this process of XX/XX/XXXX. You are required to provide more than 37 days after such denial to the consumer before scheduling such foreclosure sale date.

The CFPBs existing rules prohibit servicers from taking certain actions in foreclosure once they receive a complete loss mitigation application from a borrower more than 37 days prior to a scheduled sale. However, in some cases, borrowers are not receiving this protection, and servicers foreclosure counsel may not be taking adequate steps to delay foreclosure proceedings or sales. The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement. The clarifications will aid servicers in complying with, and assist courts in applying, the dual-tracking prohibitions in foreclosure proceedings to prevent wrongful foreclosures.

- Your company has failed to acknowledge receipt of a NEW complete loss mitigation application received XX/XX/XXXX on your website loanhelpstatus.bankofamerica.com and open a new loan modification process.

-Your companys customer relationship manager XXXX XXXX onXX/XX/XXXX said that none of the documents from XX/XX/XXXX have been reviewed. The documents need to be resubmitted. The same documents were submitted and completed on XX/XX/XXXX.

-Your company must stop the foreclosure sale date on XX/XX/XXXX to prevent wrongful foreclosure a complete violation of the dual tracking regulation by the Consumer Financial Protection Bureau .

If you need to contact me, I can be reached at : Phone : XXXX email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sincerely, XXXX XXXX
The current company, XXXX XXXX XXXX, is the latest in a long line of " companies '' trying to collect a debt from XXXX XXXX. As we have told the last dozen or so " companies '' who have harassed us with phone calls over the last ten years, there is no XXXX XXXX at the phone number they are calling. Most of these " companies '', including XXXX XXXX XXXX, immediately try to collect our personal information. We refuse to divulge any personal information over the phone. XXXX XXXX spoke with a representative of XXXX XXXX XXXX, a XXXX XXXX concerning this debt. He repeated several times that there was no XXXX XXXX at this phone number. After trying to interrupt several times, and using unprofessional and threatening language, XXXX XXXX abruptly hung up. XXXX XXXX 's voice has been used in several " robocalls '' since then, threatening vague legal action against XXXX XXXX if he does not call their number. All of these companies have been wasting their time. They will definitely never get money out of us for someone else 's debt. Apparently, XXXX XXXX used our phone number as a contact number when the debt or loan was first acquired, over ten years ago. There are several other complaints on file with you concerning this situation.
Checked my credit report and there was a hard credit inquiry from XXXX Bank that did not authorized or applied for. Inquiry reported XXXX