WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I deposited a credit card courtesy check for {$5000.00} via mobile deposit to my XXXX checking account. The response I got via the app was that the deposit was not successful. I then deposited the check via a mobile deposit to USAA. That deposit was successful. On XX/XX/XXXX I  received an email from XXXX stating that the deposit was successful. I immediately called XXXX and told them when the app said the deposit was not successful I had deposited it to another bank. XXXX said they would not complete the deposit. On XX/XX/XXXX I looked at my USAA account and saw that the {$5000.00} deposit to USAA had been reversed. I called and was told I could n't deposit a courtesy check into the account. They could n't tell me why. I believed at that point, that the {$5000.00} was not deposited anywhere and my credit card ( that the courtesy check was drawn on ) would n't be charged. Around XX/XX/XXXX I looked at my USAA account and saw that my credit card was  charged the {$5000.00}. I spent the next 10 days or so trying to resolve the issue with USAA ( the bank the credit card was through ). Every time I received a different reason why I owed my credit card  {$5000.00} yet had not received {$5000.00}. I finally spoke with a corporate person and she said USAA had paid the {$5000.00} to XXXX. I began calls to XXXX. They say USAA put a hold on the check and did n't pay it and they claim that when they call USAA their calls are n't returned. It 's been more than 5 weeks and I now owe {$5000.00} yet received nothing for it. Each bank claims they do n't have my funds yet the credit card side of USAA wants me to pay for the funds. No one will take my calls and I do n't know what else to do. I got as far as the executive level with each institution and still no resolution.
I have been notified that Great Lakes Borrower has been abusing my payment loan plan, by charging me more than they should.
they would change their voice, and say they have a case against me and they going to take me to court.. different people keep calling from different numbers. last this last person name XXXX call and said that she was going to contact my job.I told her that she have to send me some info and she said that they dont.
Dear Sir or Madam:I recently obtained a copy of my credit report from all the 3 credit bureaus and found the following item to be in error:XXXX  Account number: XXXXCredit Card Issuer:XXXX XXXX XXXXXXXX, DE XXXXThis account was never late and account was closed and settled and has been paid in full. XXXX  never sent any statements or notification letter in mail to my address but reporting inaccurate information's to the credit bureaus. Had been calling XXXX multiple times and mailed multiple letters to correct the error and they continue to fail to comply and remove the inaccurate information's. I am requesting that the item be updated to correct the information.Please investigate this matter and correct the disputed item as soon as possible.Sincerely,XXXX XXXX
I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX {$250.00} Medical XXXX {$380.00} Medical XXXX {$230.00} Medical XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX {$4800.00}
Credit Report score was not adjusted to represent items removed from credit report. In the XXXX XXXX I had XXXX negative accounts on my credit report and a score of XXXX. This XXXX XXXX XXXX accounts were removed and my score went up to XXXX. Several of the accounts removed were charged offs and foreclosures and my score only improved XXXX points. It appears that XXXX is not taking into account the delinquency reason/severity, such as removal of charge offs and judgements, in their calculations. Also, several companies that have negative information on my credit report do not properly reported the delinquency history of the account making it difficult to dispute an account. XXXX of the accounts is XXXX XXXX XXXX, which reported the account delinquent in the year XXXX. The account was opened in the XXXX XXXX. But no History appears for that year. Experian only allows to dispute an account once. After that XXXX time dispute the company makes it very difficult to dispute items. Experian does not have a contact email to write to them directly making it difficult to contact them. Phone calls are not the best method to contact a company since there is no paper trail to connect the customer with Experian.
on XXXX/XXXX/16 I filed a dispute with Equifax about the above case # s. XXXX XXXX and XXXX the results ended in that the accounts balance was verified. I sent Equifax a copy of the receipts that the collection accounts have been paid. This indicates that Equifax did not even verify the document that I sent was correct. Equifax , XXXX and XXXX is reporting incorrect information. XXXX XXXX and XXXX XXXX will not update their records.
I need help with understanding the legal/ethical practice of Commerce Bank repossessing my camper after I had filed for bankruptcy. I have not obtained a clear or accurate definition of how/what occurred. I had not had any contact with Commerce since XXXX, 2016. After receiving their letter informing me of the auction date, I called to inquire and have been given three pieces of information that seem wrong/unethical. 1. We did n't have a number for you. False 2. They could n't contact me due to my bankruptcy. 3. Reported that their documentation stated that I had personally asked to have the camper picked up. False. 
Please contact with any needed info/questions.
The attached collection notice was uploaded to me on a previous complaint. This notice was never sent to me. It is a false statement the company is making that this collection notice was ever sent to me. They had 30 days to send me a written notification of the debt, which did not happen. As well, I requested a validation of the debt to be provided and 30 days to respond to the validation request. This request was never fulfilled. 

Attached is the lease documents that the company provided in my last complaint to the CFPB. With these documents they claim that the debt is validated. Where in the documents are my lease break terms or any information pertaining to the validation of the debt? There is no documentation proving that this is a valid debt nor have they validated the debt. It is a fraudulent debt and any attempts by myself to clear this up with the company or Hunter Warfield has been met with responses related to, " We don't care, pay us. '' To say this is a proper way of handling a debt collection from beginning to end would be far from the truth.
Back in XX/XX/XXXX I moved to XXXX stayed at brother in laws houseLittle I knew he purchased a house in XXXX under my name using my informationThe house went foreclosure I moved to XXXX in XX/XX/XXXX recently I wanted to rent a apartment the leasing company checked my credit they informed me that I have loan under my name with 5th thirth bank I was shocked I contacted the bank they told me to contact the credit berue I really need help I have never been in this situation before please reach for help thank
I currently subcribe to Equifax Complete Premeir Plan where i am supposed to be able to update my report and score daily, but from    XXXX   XXXX  -    XXXX   XXXX   XXXX     I was unable to update my score and report and kept getting and error that it was unavailable. I repeatedly called to get help and was never able to access my report on my own. On   X/XX/17     a rep updated my report and told me that I would be able to from that point, but I was still unable to. I called  one  more time and kept getting push back from a rep saying that I was only supposed to refresh every 30 days and I kept trying to explain to her that was not how to he plan I had worked, until I finally had to request a supervisor who then tried to resolve the issue with no success. She Stated that she would put in a ticket. I was also not able to obtain my report using other reporting companies like privacy guard or credit karma. My Equifax file would never update or crossover. Finally on   X/XX/17     it updated on credit karma which it had not updated since    XXXX     , and all of my credit files were removed. I then tried to refresh on Equifax and still was unable to until about  XXXX  CST. And all my files there were removed as well except for  2  files. My files did not return until   X/X/17     when I updated my report, and then there were all these inquiries from  X/XX/17  XX/XX/17  that were not mine. I tried to resolve with Equifax to no avail. And they still ca n't tell me why my files were removed. They kept saying that I requested, or the creditor removed them, which makes no since. If I requested them removed and they removed them why place them back. And all of the creditors did not band together to remove at one time. Please remove all inquiries during this time of Equifax glitch. Thank you.
Student loan debt was paid in full over two years ago and states paid off on credit reports. I do not owe this company for a student loan that has been paid off in full. False representation and fraudly trying to collect money. I contacted company and they state debt still owed but that in incorrect.
I have this account that just appeared on my credit and I am not familiar with them or what this is for. I have tried to look this company up but there are a lot of listings here in XXXX XXXX for this business.
My student loan, currently serviced by XXXX XXXX, has been in an Income Driven Repairment plan up until XX/XX/2018. On XX/XX/2018, I received a letter indicating that I had to submit a recertification to stay in the Income Driven Repayment program. This letter stated that the deadline for submission of all materials was XX/XX/2018. I completed a paper application which was received by XXXX XXXX on XX/XX/2018, however, was notified that it was missing a specific piece of information ( the frequency of being paid ). I called on XX/XX/2018 and verbally advised that I was paid biweekly. I was told this would be added to my application and my application would be processed. On XX/XX/2018 I called to check on the status of application. At this time I was told that my prior phone call had been " noted '' on my account, however, the application was not forwarded for processing. I was then advised that the application would be now be entered into pending status as of XX/XX/2018 ( still well before the XX/XX/2018 deadline explained in the XXXX letter ). On XX/XX/2018 I called again and was assured that my application was complete and was being expedited for processing. Without explanation or indication my application had been reviewed, I called again on XX/XX/2018 and was told that it was too late, the bill from XXXX had been generated at the full 10 year repayment plan rate ( a monthly payment of greater than {$4000.00} compared to my income driven repayment amount of less than {$400.00} ). I was given no explanation as to why my application had been delayed despite being told previously that it was complete and on time.

I submitted all my materials on time and was told multiple times that my application was complete and ready for processing. However, due to internal miscommunications and incorrect information given to me by XXXX XXXX, my Income Driven Repayment Plan application is delayed forcing me to either pay 10x my monthly payment ( which I can not afford ) or defer the XXXX  monthly payment and thereby delaying my Public Service Loan Forgiveness repayments. I feel like I did everything right and due to their own mistakes I'm left owing thousands of extra dollars on my student loans. If any consumers are reading this - if there are any issues with any application of any type call two times per week and take notes on every phone call until your application is actually processed.
My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers and opt me out of your systems.
I filled for a chapter XXXX bankruptcy in the court of Maryland per my attorney but after further review I did n't need to file a bankruptcy. So the next day I withdraw the file and NEVER went in front of a judge. I have letter from my attorney and a letter from the bankruptcy court showing it was terminated on XXXX/XXXX/XXXX. I sent both letters to XXXX and they refuse to remove the error. The BK should have never been reported at all because it never happened. I also sent another fax on XXXX XXXX XXXX and they have n't responded in anyway. Please help because I am completely lost for words at this moment.
There 's a bankruptcy showing on my background check. As of XXXX XXXX 2017 these should be removed from reports. This is effecting me getting jobs.
I was initially laid off from my job of 11 years fellbehind in my payments from XX/XX/XXXX to present. ReqRequested a modification back in XX/XX/XXXX did not rreceive any information from loan servicer XX/XX/XXXX. I had to submit modification XXXX timesuntil representative acknowledge they were theyon XX/XX/XXXX. Then only to be told was n't there afterspeaking to different representative. This went onfor several mos. Always speaking to someonedifferent with conflicting information so I had tosubmit XXXX more time after that. My information wasmixed up with another individual and held up filefrom moving forward to next step. Had to send paystub XXXX times. Tax information was sent fax XXXXtimes to a bad fax number and email XXXX times. 
Lastly after all this just recently told mymodification application was submitted onold forms which they provided to me and Ineed to resubmit on new one this was XX/XX/XXXX I have not reached my selldate XX/XX/XXXX which I believe this was alldeliberate to steal my property withoutgiving me a fair chance to keep it.
They credit bureaus refusing to send me a free copy of my credit report and score which I 'm untitled to under the fair reporting act the reason why is because they have insufficient information on my credit report that they do not want me to see or dispute as ruining my life liberty and freedom it 's affecting me.and causing me hardship
I recently applied for a mortgage with Bank of America ( XXXX XXXX, 2016 ) and was given a conditional approval. I satisfied all the conditions and proceeded down the mortgage pathway. I was then informed 10 days out from closing that the mortgage was now declined because BofA changed some of their numbers. I pointed out that the new numbers they were using were incorrect to no avail. BofA of course was able to ' '' find '' a path to an approval that would cost more money. As I was 10 days from closing and had ended negotiations with other brokers I agreed to the changes in hopes of closing the purchase of my home. Problems continued to arise over the next 10 days. I was finally informed that i would not be getting a mortgage with BofA on my scheduled closing day. All along in this process XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX XXXX ) assured me they would be able to get this mortgage done. That they were able to get this type of exception all the time. They were clearly doing the bait and switch by getting me in with a teaser low rate only to pull the rug out late in the process. My realtor warned me about using BofA and I should have listened. Several other mortgage brokers have since informed me that this is typical practice for BofA. Please investigate them and protect other consumers. I am also incurring significant costs as a result. I will need to pay more fees to another broker for documents/credit reports/appraisal etc. I also will need to pay additional money to the home seller in order to extend my purchase contract.
I have submitted proof of an FBI investigation identifying me as a victim of fraud to all three bureaus, and only XXXX thus far has deleted the erroneous and incorrect information from my credit file. 

Experian and XXXX need to delete this information immediately.
I do not owe this company XXXX XXXX anything and the collection company keeps sending me request for $ without providing me proof of my transactions or else
I attempted to open a bank account with Wells Fargo and was denied. I was advised that my denial was based upon a reporting to XXXX by XXXX XXXX XXXX. I asked if it was reported to XXXX because I have monthly alerts from XXXX and there is no record of XXXX bank on my credit report. The Wells Fargo representative stated that it was not XXXX because if it was I would still qualify for a XXXX chance account. He gave me a paper to contact Experian and was certain that the reports to the credit bureau was the reason for my denial. I pulled all XXXX reports and there is nothing reflecting XXXX bank. May I please know the accurate reason why I was denied an account so I can attempt to resolve the issue? 

Thank you.
Can my reverse mortgage lender refuse to continue/renew my current property tax loan? 

Hi, My lender, Wells Fargo, is telling me that they can not continue/renew my current loan that they had advanced for property taxes that were due. They have informed me that, unless I repay the full balance, they will begin foreclosure proceedings on my home now. I am told that HUD XX/XX/2015 issued new rules to lenders affecting reverse mortgage loans. Specifically, in my case, I now no longer meet the " XXXX '' requirement ; I am told that I am at XXXX %. 

I am XXXX years old and do n't want to lose my home. My husband XXXX last year, he was XXXX and had XXXX XXXX. We have never been late on any payments to Wells Fargo, and I can comfortably meet all my expenses, including the payment that I make to Wells Fargo for back property taxes each month. 

This change of rules came as a total surprise. I hate to say this, but I feel that I have been misled, unwittingly perhaps. To their credit, Wells Fargo has assigned a financial counselor to my case, XXXX XXXX, which I appreciate. I am told by XXXX XXXX, this HUD rule change is not only a problem for me but also pertains to many other seniors in our country who have property tax and/or home insurance advances from their lenders. I suspect that many of these seniors are not able to speak up for themselves and will, indeed, loose their homes.
Pay Pal claims to have sent me an email stating I was violating their terms. I never received the email from them. I purchased My Cash Cards to load on the debit and pay bills and send money to my son to pay rent. They have denied me access to my debit card and when I spoke to a supervisor they said they are holding my money, over {$2000.00} for six months! I was given XXXX email addresses and have sent XXXX emails and I have not even received an email reply, How can a company be allowed, legally, to hold a clients money for six months once that company decides they do n't want you as a client. This is something that congress should investigate
Several years ago I had a balance of {$2000.00} on a credit card. Due to life issues I ended up not being able to pay and then honestly forgot about it as there was no contact for years. About a year o r two a go they drained my entire bank account and sent me info saying that I now owed {$7000.00}. I understand that this was my debt but that 's just crazy. I have now paid off $  XXXX  of it which seems more than fair in my opinion. However they are still asking for $  XXXX , 200 % of the debt.
So a few months ago, I had all my major banking done with XXXX XXXX. This included a checking account, XXXX savings, and a credit card. About a year ago, I opened an account with Navy Federal, the bank that I now use for all my banking needs. First, I only had a checkings and savings account with them. After I inquired about what interest rate Navy Federal could give me on a credit card, I was told I had an offer for a credit card with only 11 % APR, rewards, but most importantly, 0 % Interest on Balance Transfers for 15 months. I jumped on the promotion due to the fact that I had an almost {$1000.00} balance on my XXXX credit card. Now my complaint stems from the fact that after I completed my balance transfer a month and a half after getting my Navy federal credit card, I noticed a {$7.00} interest fee from the balance transfer. I called NFCU and I was told it was a mistake and that they did see my account has the offer for the 0 % interest on balance transfers for 15 months. They said it would take a week or two to fix and they apologized. At this point, I thought I fixed the problem ; however, I never got a refund and then I got another almost {$7.00} fee again this month for the same thing. Today, I went into a branch location to get my rent check and Then I sat with a banker to try to fix this problem for the second time. The banker called some number that told her there was a note from back office regarding my first interest fee of {$7.00}. The back office said I had a 10 day activation period listed in my disclosure form, and because I did n't do the balance transfer within those 10 days, the promotion no longer applied to me. 
This is ridiculous. I opened the credit card inside of a branch because of the promotion. The teller who assisted me SHOULD HAVE informed me that I needed to do the balance transfer immediately to avoid interest fees. Now, I 'm stuck with not just regret, but anger that a credit union is n't requiring their employees to disclose this information. Not only that, now I 'm stuck paying interest for something I could have avoided altogether. I called Navy Federal after leaving the branch today, spoke to a supervisor in the credit card department, and was basically given XXXX options. Do I want them to have the branch supervisor or manager talk to their employee, which I know definitely needs to happen, and/or do I want a new credit card without rewards that might give me a slightly better interest rate. There needs to be a third option : Have the branch manager speak to their employee about the importance of disclosing this information AND have the back office re-activate my 0 % interest for 15 months. I never thought I would say this about a credit union, let alone Navy Federal, but I feel deceived, cheated, and I definitely do not feel like a valued shareholder.
I have a mortage with Amerisave and almost every month when I go to make my payment online, I have trouble accessing my account. One month I had to reset my entire log-in credentials and then it did n't work -they froze me out of my account. Today, I go to make my mortage payment that 's due tomorrow and when I entered my log-in information they took me to a screen that says I need to enter in a passcode they will send me by email. I never received an email so I had to call ( and was onhold a long time ) and then the agent said they were having trouble with their server and I needed to try again tomorrow. I then asked to make a payment by phone but she said there was a fee and when I asked them to waive the fee, they refused. I asked to speak to a supervisor and she refused to waive the fee for taking my pamyent over the phone - I believe they make it difficult to pay on-line so they can receive the pay by phone fee. When I asked her what other option I had, she said to mail in a check - this of course would probably make me late and then they can collect a late fee. I would like to file a class action suit against this company for making it almost impossible to pay on-line and thus they can collect a pay by phone fee. I have another home with a mortgage by a different lender and I NEVER have these issues related to making a payment online.
I just discovered that I 've evidently slept walk through a buying a car and mortgaging a house. I rent and my car is 15 years old. How the XXXX do I fix this?