WillisBack/dataset-financial-user-claim huggingface dataset:
Regions Bank account ending in XXXX was opened in XXXX. Only XXXX overdraft/returned item fees were accrued in ten years. A cyber theft scare in XXXX XXXX forced me to change account numbers. Making it look as if it were a brand new account. From XXXX XXXX through XXXX XXXX {$1700.00} in fees alone were seized by Regions, or by other companies in direct connection to their actions. Deposits were not credited. Deposits could not be made due to repeated ATM failure. Debit cards disappearing in the mail. Debit cards sent with the wrong PIN number. Payments were returned resulting in late fees. My credit card account was closed when a payment was returned XXXX times in one month. My credit score dropped from XXXX in XXXX of XXXX to XXXX as of XXXX of XXXX due to account closures and having to use credit for many basic needs. 
Upon my thorough investigation I discovered several payments were not returned to the companies even though Regions said they were. Transactions were reprocessed, dropping the balance of the account so other charges did not clear and fees accumulated. Dropping the balance further and creating a snowball effect that I have yet to recover from. I have proof I made deposits that do not show up on the ledger in the form of processed checks from my clients. As well as proof of payments not being sent back. In XXXX XXXX I opted in to overdraft protection. I figured if I was being charged, I may as well not have the payments sent back to the companies. Nothing changed, however. Hoping it would stop charges from being processed, I opted out in XXXX of XXXX after {$1100.00} in fees were taken in seven weeks. Most being returned item fees. Even though I was opted in and depositing money every day. Several lengthy phone calls were made to Regions during this time to try to fix the situation. I was told to open a second account for personal charges or open a savings account. I did n't think another account was a reasonable option. No real solutions were presented. 
I am attaching a comprehensive folder of all transactions during the eight and a half months I held the account. The whole situation became completely overwhelming. I continued to pump money into the account daily hoping it would stop payments from being sent back. I was not able to pay my rent. I was forced to sell several of my personal possessions. As I am single and live alone I have no-one to help cover the necessities when I am not able to. This whole thing has nearly destroyed my life and I am still struggling to recover. Fighting to pay down the bills that accumulated while this was going on. I have yet to get back on my feet. The actual ramifications have yet to be completely revealed. New bills present themselves every day because I 'm struggling to pay off what occurred.
On X/XX/2017, I submitted a dispute to Equifax and they refused to remove several accounts listed on my dispute. The accounts were submitted under identity thief. However, they refused to remove the accounts. I received no validation on why the accounts remained. According to the FCRA 605b a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I received no results until after 30 days and no valid reason why they remained. I am submitted a police report along with my dispute.
XXXX XXXX XXXX , XXXX. ( THIS IS NOT MY ACCOUNT ) Last reported : XX/XX/XXXX - {$1300.00} Needs Attention Overview You've paid off -60 % of your collection amount. 

Balance {$1300.00} Highest Balance {$850.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail.
A collection agency is reporting an attempt to collect to credit reporting agencies. I have never been contacted by this collection agent. I do not know for whom they are attempting to collect or what the {$130.00} collection is for. NO ONE has contacted me. I never received a bill I did not pay. I have not been given an opportunity to dispute or pay. The only knowledge I have of this is on my credit reports as negative information.
I originally took out a loan with Armed Forces Loan and hit a rough patch and was unable to make payments. I contacted the company and made arrangements for a ONE TIME {$300.00} payment in XXXX and I told them I would contact them again the following month to arrange another payment. In XXXX I was unable to make a payment and in XXXX I noticed an unauthorized transaction from AFL on my bank account. I contacted my bank to reverse the charge and then contacted my legal office at my XXXX. I was advised to take legal action due to me not authorizing the transaction. I contacted AFL and made them aware of what they would possibly be facing and they quickly reversed the charge. Since XXXX up until now I have been making making payments of {$190.00} towards my outstanding loan but AFL again refuses to do their part. They are still reporting my payments as late monthly even though I have n't been late since last year. My payment of {$300.00} is n't reported on my credit report. I will be moving forward with legal action because I 've been burned by this company many times. They take advantage of customers & do n't execute proper reporting to credit bureaus. I have statements of payment included in this complaint as we as an email stating my most recent balance which is reported incorrectly as well.
Here is basically what I have sent to the Attorneys for XXXX XXXX XXXX and Caliber : I would like to propose a settlement solution for both XXXX XXXX XXXX and Caliber. I sent a timeline and XXXX exhibits ( I have uploaded ) to show you what occurred for these two and a half years when my husband and I were trying to modify our loan. My attorneys did not use this information ( which I was very angry about when I found out ) in the case, and, I believe proves the dual tracking and violates the Homeowners Rights law. If you had a chance to look at the timeline along with the letters and documents ( uploaded ), I think you will agree that there was total confusion when XXXX XXXX XXXX sold the service rights to Caliber during our modification process. All along I believed we were going to get that modification because our income was XXXX higher than when we first got the loan in XX/XX/XXXX, and we had excellent credit. It was just a matter of persistence. 

You can see by my timeline that Caliber was trying to foreclose before they were officially recorded with the XXXX County clerks office on XXXX XXXX, XXXX ( see timeline and exhibit ). However, we were told that Caliber was the servicer as of XXXX XXXX, XXXX ( see timeline and exhibit ). After I was told that we had to start the application process all over again with Caliber, I immediately turned in a XXXX page application with documents and another XXXX documents sent on XXXX XXXX, XXXX ( see timeline and exhibit ). When I tried to speak with someone at Caliber about the application I was told that there was little information at the moment because they were in the process of XXXX XXXX XXXX turning over all the loan information to Caliber and to call back later. It was total confusion! This was only one month after the service rights were transferred ( but was not recorded until XXXX XXXX, XXXX ). We had no time before the sale date to even appeal. We were denied on XXXX/XXXX/XXXX ( see timeline and exhibit ) three days before the trustee sale. It should have been 30 days later according to the law. 

I am XXXX years old and in the process of my divorce. My husband walked away leaving this foreclosure issue all to me and washed his hands of it. We are going to trial on XXXX XXXX, XXXX and will be divorced. The reason I filed for bankruptcy is to stop the foreclosure process and I legitimately want to restructure my debt and pay back my creditors. I have received a short sale offer with an approval that I would like to see close, but the foreclosure is on XXXX XXXX, XXXX and we need to know its stopped. I also have a back-up offer as well. Please stop this sale we can close this sale. 

Please read the uploads regarding the timelines and exhibits regarding the Lenders violations. 

Sincerely, XXXX XXXX XXXX
I would like to file the complaint as the way XXXX XXXX has worked on the dispute. 

Merchant provided the proof of payment but not the proof of service but still HSBC has settled the dispute in merchant 's favor. 

I bought attraction ticket which were not activated and had a mishap at the ticket window when the associate at the ticket window of attraction park told me that tickets have not been activated. 

I approached the merchant stating the same thing and they mentioned to me that they are investigating. 
After waiting for many days, I filed the dispute with the credit card company HSBC and explained them the situation with letters in details explaining the scenario. 

But, HSBC settled the dispute in merchant 's favor based on the payment receipt which is in no way able to confirm if the valid tickets ( merchandise in this case ) were provided.
I am requesting a refund of the appraisal for which I paid {$550.00} on XX/XX/2018, and of the {$44.00} late fee for our XX/XX/XXXX mortgage payment ( total {$590.00} ). Since learning that that we can not get approved for the refi, I contacted my loan specialist 's boss twice to request the refund, but it has been a week and no response. 

We were working on closing with the refi lender since XX/XX/XXXX, and after we provided everything that was asked for, we learned last week that the  refi was not going to close. Earlier correspondence said the appraisal could not be refunded if we chose to not close, but this failure to close was not by our choice, and the company is not responding to our request to refund the appraisal. 

Additionally, I paid the XX/XX/XXXX mortgage payment before receiving the message that I should pay it and that the loan would not close, but the date was still too late to avoid the late charge. It was communicated to us in an earlier email to not make the payment and that the company would pay any late charges. 

Incidentally, the company solicited us by a letter that named the FHA Streamline, during the same month that we initially bought the home. We later learned that we were not home owners of the property long enough to qualify for the Streamlined, and so XXXX XXXX therefore attempted a Simple refi program instead of a Streamlined.
I opened a Santander bank account which was opened around the  XXXX  of  XXXX ,  2017. This ac count had a bonus offer terms of {$220.00} attached to it for having a direct deposit of {$500.00} or more within 90 days. The bonus requirements were met properly according to the terms I will attach to this notice. The bank erroneously closed my account before posting the bonus and claimed I had never sent the signature card for the account back to them. However, the signature card was sent to the bank using the prepaid envelope they enclosed with the account welcoming package. The bank made no attempts to contact me via any method in order to resolve this issue. It seems apparent that the bank decided to close this account to avoid paying the bonus offer out because their terms and conditions were recently updated to list several states, which does not include the state I live in. However, those terms were not included in the original account opening that I performed.
My credit information is held by three major companies. Equifax was one such company that has held my records. In XXXX of XXXX thru XXXX of XXXX Equifax servers were compromised and records have been stolen. Checking with Equifax they gave me a vague answer of your records may have been impacted. This is unacceptable, in the healthcare field our records and information MUST be encrypted and can only be transferred back and forth using XXXX XXXX Transfer XXXX. Equifax has held on to my personal information and did not even have basic security set up to prevent information that is stolen from being decrypted. Checking with Equifax they have stated that my information has potentially been compromised. For a resolution I no longer want my information reported to Equifax unless they can effectively demonstrate secure IT and data practices. I am not an IT expert my field is XXXX Compliance but I learned IT basics and implement security at my own home. If any of these three companies is going to hold personal records on me I want data encryption and secure file transfer protocols, up to date IT protocols and up to date cyber security. Instead what I, and anyone else compromised, got was the equivalent of putting my financial information in a sack with a dollar sign on it and walking down XXXXhe street with it to deliver it.
# I send to the 3 credits bureau certified letter asking for proof of contract and documents the certificate the people or companies the report to them ( credit bureaus ). Have the proper documents and proof of contract. I need physical proof copy of documents. They do n't send the documents so I demand they remove any adverse information from my credit report. Because that cause a lot of problems to me to get credit buy a car or get a job. Is becoming a so unfair to me the any company the thinking to ruin my life or putting pressure on me. Use credits bureau as weapons to bring me to te point to surrender. I just want a fair treatment I 'm hard working man abuse by the sistem. the this corruption the credit bureau and this agencies have over working people is a unlawful and corrupt. Please help!! I need a proof os contract from this people I need license # s and I need all this on paper. Please if they ca n't provide the contract remove all adverse information of my credit report plus all Inquiries of my report the I get because the unlawful negative info on my credit. Thanks.
To Whom It May ConcernI was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW.  The following account are still unverified : XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX I demand original paperwork, contract or bills of sale something, the account are not accurate on my file
I changed cell phone companies in XXXX XXXX from XXXX XXXX to XXXX. I had asked a XXXX XXXX representative about any outstanding bills prior to changing my account. He said the bill would be transferred to XXXX and would appear on my XXXX bill. 
I changed telephone companies and heard no word from XXXX XXXX until XXXX XXXX, XXXX in the form of a letter from a debt collection agency. I have never had a late or missed bill with XXXX XXXX after being a customer for 10 years. I think it is wrong that I did not receive any type of notice stating I had an outstanding balance prior to being sent to a collection agency. I would like to confirm that this does not show up on my credit report and ensure this does not happen to other people. This is wrong and affects your livelihood. 
Thank you for your time.
Navient took over my loans and has repeatedly guided me to forbear loans and also to do " interest only '' payments.
When I call them, I get people who can barely understand English and they will not transfer me.
I have told them how much I can afford to pay and they wo n't help at all really. They are thieves. They act like they are there to help but clearly are not putting the consumer in mind.
They need to be stopped.
My mortgage was sold to Ditech Financial last year when I refinanced. I have had issues with them responding to any questions I send. I have asked if they were going to assess my account as the previous company had done to ensure that the payments going into escrow will cover taxes/insurance. I got a letter stating they were looking into it. Then I got a letter stating that they were not supposed to assess my account until next year but they were going ahead and assessing it. That has been a few months ago. After I got that letter, I sent another message and explained that I was n't asking them to go ahead and assess it, I was just asking if they ever assess the accounts. I did n't want to owe a lump sum because they had not assessed it. I got another letter in the mail stating they were looking into it. I got my statement for the XX/XX/XXXX payment and the payment amount has gone up by a few dollars but there is no explanation and nothing to show they have assessed my account. I have had a lot of problems getting any response from them and if I do, it 's months later. I do n't know what agency is best to report them to or to try to get help from. I want timely answers to my questions. I have had a few previous mortgage companies and they always responded within 48 hours most of the time less than 24 hours and this company always mails letters stating they are looking into it so it 's always a few months before I ever get a response. I have sent another message and asked why the payment went up and expressed how I hate getting letters in the mail stating they are looking into it. I also explained that I hate that it takes a few months to get a real answer. I am so unhappy with this company that I put a note on every message and payment to please sell my account to someone else who has better customer service. I do n't understand not being able to get quick answers on my account. If this is not the place I need to report them to, please tell me what agency I need to contact for help. I am looking at refinancing just to get away from this company. 

Thanks for any help, XXXX XXXX XXXX
XXXX credit card did not resolve my disputed {$230.00} charge and now they are assessing me late fees, interest and reporting me to all the credit reporting agenies. 

Similar to CFPB XXXX
There are several issues - sorry if confusing. Wells Fargo and their attorney for the foreclosure have refused to speak to me. 1. I was on moratorium, then the moratorium was cancelled without notification. 2. After moratorium, I was on forebareance and trial loan modification period with payments of XXXX a month. They refused to take my payment several months in and cancelled my trial period, instantly leaving me 12 months behind on payments. I have since been denied loan modifications even though they had received the paperwork and confirmed it, the denied it. 3. The main issue is I received a loan modification several years ago, which Wells Fargo refuses to provide any information on. This modification EXTENDED my mortgage to 40 years. I DID NOT AGREE TO THIS OR SIGN OFF ON THIS. I did n't realize this had happen until I had read about it happening to others. The terms I agreed to are not the terms I have. I want to keep this condo, but am afraid of losing it to foreclosure and I have no one that can help me. I can not afford an attorney and they will not communicate with me at all. I have called their attorney 18 times to no avail. This is down right fraud and they need to be punished for this unacceptable behavior. It should be criminal.
My new credit report pulled on XX/XX/2017 is reporting a XXXX XXXX paid collection that was deleted and now it has been added back on to my file with Equifax. The CRA did not provide me notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( XXXX ) ( B ).
According to the Bank of America FICO score report, one of the key factors affecting my score is " Number of accounts with delinquency. '' On the same report, BOA states that they base this information on XXXX data, against which I have also filed a complaint. As per a BOA relationship manager ( after talking on the phone with their credit card department ), BOA can not do anything and they directed me back to XXXX. I 've spoken twice to XXXX customer service reps and they state that there are no delinquencies on my report and that I should go to BOA to resolve the situation. I have the credit reports from the three credit reporting agencies ; there are no delinquencies on any of them. Effectively, I 'm being bounced around the two companies with no solution being offered by either.
XXXX, XXXX and Equifax continue to report false information even tho I have submited the correct information to them and sent proof. I have tried over and over to get information corrected with no results. This is resulting in my credit score being in the XXXX XXXX and it should be in the XXXX XXXX. They are showing many false reports and I would like my credit score repaired and up where it should be. They do not investigate they just take whatever the credit card companys state and keep reporting it even tho it is false.
Coinbase. I have about 600 dollars in their secure vault. I requested these funds be removed ( XX/XX/XXXX ), and followed the procedure ( which involves clicking links sent to 2 email addresses as verification ). The website came up with a 'fault, bug in the system ' response - contact support. I have done so ( XX/XX/XXXX ). No response. I have sent several emails, no response. I have posted on their community support forum, no response. I notice many many others are having the same problem and customer support is not responding. I cancelled the withdrawal, as the FAQ 's suggest in the event of this happening. But on my XXXX it say 'awaiting signature ', on my desktop is says 'waiting approval '. The problem is - my currency is declining in value every day it is stuck in limbo, and I ca n't access it. Every time I look at my vault, it says 'waiting approval '.
I have a new loan with Freedom Mortgage ( started it XX/XX/XXXX ). Starting on XX/XX/XXXX I requested the removal of PMI with my payment of an extra $ XXXX toward my loan. I was first told I'd need 2 years of payment history before they'd remove. But, after I asked them to put that in writing they called back on XX/XX/XXXX and said they were wrong, and if I paid another {$7500.00} then they would remove it ( by XXXX # XXXX ) & would not need another appraisal as it was within the grace period ( since it was a new loan ). I paid the extra {$7500.00} assuming he told me correctly. On XX/XX/XXXX & XX/XX/XXXX I sent follow up emails to see if they'd removed it & as of XX/XX/XXXX they did not respond to either email. On XX/XX/XXXX I called in and was told by XXXX ( # XXXX ) that it would be processed by XX/XX/XXXX and to call back. On XX/XX/XXXX I called back and spoke to XXXX ( # XXXX ) who said I'd need to send another appraisal before they'd remove PMI. When I told him XXXX ( # XXXX ) said that wasn't true, he said he would call back once he spoke to XXXX. As of now, I still have PMI even though I've requested the removal of PMI, and have more than 20 % paid toward the principle. I keep getting told different things each time I call.