WillisBack/dataset-financial-user-claim huggingface dataset:
Several years ago, we opted into the XXXX program. 
A check was issued on XXXX XXXX, 2016 in my late husband 's name. Upon receipt of said check, I contacted XXXX XXXX. Per their instructions, I submitted proof ( Death Certificate ), of my husband 's demise. I was told that a check would be issued in my name in about 14 days. As of this writing, I have not received the check. Calls and email to them have been to no avail.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


ACCEPTANCE RENTALS, {$2000.00} XX/XX/2015 XXXX
In XX/XX/2018, I submitted preliminary personal information to XXXX XXXX XXXX ( via their website ) for a pre-approval on a personal loan offer. When I did so, I was with the belief that the initial inquiry would only result in a " soft pull '' on my credit report. The lead ( page one ) of the XXXX XXXX XXXX website notes that the initial inquiry would not affect my credit score. 

However, the inquiry did in fact result in a " hard pull '' on my Experian credit report, a mark that will remain on my report for two years. I did not authorize such a pull. 

I filed a complaint and spoke with a representative at XXXX XXXX XXXX. While the representative was professional and understanding, she was not able to get the " hard pull '' removed from my Experian report. She stated that the bank 's tech team had determined that, having visited the XXXX XXXX XXXX site from a third party at one point during my extensive hunt for a personal loan, this third party ( XXXX XXXX ) bypassed any " soft pull '' inquiry that I had been informed of while I had investigated the XXXX XXXX XXXX main website page ( at a different, earlier time ). 

At no point did XXXX XXXX XXXX note that, by visiting their website via XXXX XXXX, I would be bypassing/declining a soft pull on my credit. 

The result is, quite simply, false and misleading advertising that has caused harm to my credit file. In fact, the XXXX XXXX XXXX representative said I was not the only person who had complained about this problem. Yet the bank has done nothing to correct the situation as of XX/XX/18.
My name is XXXX XXXX and a mortgage was fraudulent taken out in my name when I was XXXX XXXX XXXX. In XXXX my grandmother was battle stage XXXX XXXX XXXX, and signed the deed of our family home which was paid for in XXXX to me in XXXX. My grandmother XXXX to her illness in XXXX. 

In XXXX a second mortgage was taken out on the home by XXXX XXXX XXXX owned by XXXX XXXX. At the time I was XXXX XXXX XXXX. To produce this FHA Mortgage fraudulent pay stubs, XXXX, and identification was submitted to open the mortgage. In XXXX XXXX XXXX was convicted on XXXX counts of massive mortgage fraud. Borrowing others identities and producing documents the same way he had done me. 

In XXXX the Mortgage was purchased by Wells Fargo without investigating the origination. In XXXX the home went into foreclosure. Wells Fargo tried to force me into a modification although the mortgage was fraudulent. After submitting a fraud packet, verification of birth, social security number, state identification, and school records ; Wells Fargo determined the mortgage was valid ; despite the fact the name, Birthday, and documentation are incorrect and are perusing a sale on XXXX XXXX, XXXX. 

I have attached supporting documents as well.
I continue to receive calls from a company identifying themselves as SRG. They have advised me it is for a debit for credit card to XXXX XXXX. This was dismissed in a bankruptcy in 2011 and I have informed them of this but they continue calling me.
To Whom it May Concerned : After several attempts to fix this problem, first with the Department of Agriculture, then with CFPB submitted twice, I still struggling to solve this issue with GM Financial. One of your agents recommended me few contacts seeking for help. I contacted Florida General Attorney at XXXX, the agent advised me to contact CFPB and requested a grievance form. As I explained before I bought this car a XXXX XXXX XXXX in XXXX with a value of {$6900.00}, I was agreed to pay {$260.00} for 72 months with accrues daily interest. 
On XXXX I went to emergency room ( XXXX yrs.old ) from my work, I was admitted in the 2nd floor ( XXXX XXXX ) and stayed 4 days, I was discharged with restrictions one of them DO NOT DRIVE, because I have debts to pay including the XXXX, next day I back to work, meaning if I didn't make my payment at that moment was because I was very sick, I made late payments but i also paid my late fees and of course they fooled me with an extension. 
I recovered from my illness I went back to work full time, I did my payments accordingly. 
On XXXX again went to emergency room and I was discharge but to follow up with a lot of XXXX XXXX and XXXX I kept working, I wanted to make my payments. By XX/XX/XXXX again got very ill, so I decided to pay off the car before i turned XXXX. But since then it have been a nightmare with GM Financial. I have paid XXXX for 72 months ( XXXX ) for a car in the amount of {$6900.00} a total amount interest of {$12000.00}, the payment of two cars without interest. 
On XX/XX/XXXX, I sent an email explaining them my financial crisis. They called me offering me help so I met a commitment of {$300.00} by XX/XX/XXXX and {$300.00} by the end of the month. On XX/XX/XXXX, my paycheck was of {$430.00}. Therefore I could only pay {$270.00} and my account was overdraft. 
On XXXX, I received a GM Financial invoice dated XX/XX/XXXX with a total amount of {$1500.00} to pay and O PAYMENTS TO GO. I went to their page and they had a total amount of XXXX another discrepancy, always discrepancies. 
I think this have been very unfair, inhuman, and unnecessary for a company like this to continue with this embarrassing situation.
Discover Financial Services, through its Discover Card credit card, is taking consumers that carry a revolving debt to the cleaners. When a consumer is granted a lower interest rate, that rate does not apply to the current balance but only to future balances. Then to further insure that they continue to pick the pockets of the consumer in the form of interest charges, future payments made by the consumers are applied to the newest debt at the lower interest rate first. This allows the old debt to continue accruing interest charges at the higher rate.
in XXXX I filed a claim for lost travelers checks with American Express. multiple phone calls and emails. first they said I had to file a paper claim. when I did, with the forms they sent me, they said it was wrong form. filed again. in mid XXXX they said they sent a check. never received. called again. on XX/XX/XXXX said they would send another check. called XXXX said they sent check still have not received either one. They keep telling me to send me my bank info for an e-check. i keep reusing and said paper check ( which they said they sent twice ). phone number used is XXXX XXXX XXXX. 

email : Dear Ms. XXXX, Greetings from American Express. 



I am contacting you with reference to your claim for American Express Travelers Cheques. 



I would like to let you know that your claim was approved and the Refund Cheque was issued successfully to you on the XXXX XX/XX/2018 to the below mentioned address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI - XXXX XXXX Refund Cheque Number XXXX If you have not received the refund cheque by now we can place a stop payment on the cheque that was issued and do a bank transfer instead for faster refund. 



For bank transfer we will need the following details Bank Name Account holder name Account Number Routing Number If you have any questions please call American Express immediately at XXXX quoting your claim number. 



Yours Sincerely XXXX XXXX Claims Review Department American Express ( XXXX XXXX +XXXX amount was {$100.00}
I have 8 loans in 1 account. Two of the accounts are report as " collection ''. After calling XXXX they said the accounts are not in collection, and that they do not send accounts to collection. They would not change the status until I made the account current. 

From a consumer perspective, I make 1 monthly payment, into 1 account. It looks and feels like 1 account. When the account falls delinquent, they report all 8 accounts to the credit bureaus as delinquent. Every loan in the account has different payment structures and the way the payments are applied are very confusing to the consumer. I called into XXXX for an explanation and frankly it is not remotely similar to any experience consumers have with other creditors. It unfairly reports these delinquencies as multiple delinquent accounts causing severe damage to a consumer 's report. I believe this puts the consumer at a disadvantage.

The account manager ( I have the name ) admitted to me that the accounts are very difficult to understand unless you do it every day. He also said the DOE 's billing and payment methods are very different than that of other creditors. I work in financial services, and that just sounds very suspicious, and misleading to consumers. Please feel free to reach out for specific detail and examples.
Eastepoint Recovery Group , Inc. from XXXX, NY have been repeatedly calling me and leaving voicemails at work when Im unable to answer. Theyve called about twice a week for the last 5 weeks or so.
On XX/XX/XXXX I contacted an agency called American Debt Consolidation. A man answered the phone and gave me options for helping my loan. He told me that I would do income driven repayment plan. He had me sign a digital contract and then told me not to pay my normal student loan provider XXXX. He then had me transferred to XXXX XXXX for consolidation purposes. I was confused but continued with the process. This place told me I would pay two payments of {$230.00} before my loans would be readjusted to {$200.00} a month. They had me send in my tax returns to prove my employment and also told me not to file taxes until they heard from me. I had two payments taken from my account and was never contacted. It is now XX/XX/XXXX and they still have not contacted me. I tried contacting them and there is never an answer from either business.
I sent a debt validation letter to debt recovery solutions llc in regards to a debt that appears on my credit report. i have no knowledge of this debt and i do not owe, In return I received a letter from ( drs ) with the alleged amount owned and the original creditor name. Which is not validation i owe this debt. Fdcpa requires verification of an alleged debt. proper validation should be in the form of documentation from the original creditor, not the debt collector. Documentation can be account statements from the original creditor, payment history from the original creditor etc..
XX/XX/2018 ... XXXX XXXX a subsidy company of XXXX XXXX XXXX XXXX is the new third party company used to apply for financial aid for my sons private school. The upcoming year will be my sons second year at this private school. He attends the school made affordable by a tuition need scholarship. It is now required to apply for aid through XXXX XXXX. The application process was previously of no cost to the applicants as it was need based. Facts Is targeting low income families by requiring payment to submit the grant application. Other companies have a waiver available for situations of this type. Facts does not offer such and in turn is prohibiting access to financial aid for students unable to pay cost of tuition and excess fees. Without the submission of the aid application by the due date the student misses the opportunity for scholarship opportunity. When Facts was contacted about a fee waiver the company agent says this is their bread and butter there is no way to submit financial aid application without paying the fee. This is appears to be a predatory discriminatory practice against need based students. As an unemployed single mom trying to gain access to better education services for my child, this is poor business and it needs to be addressed. XXXX takes advantage of student loan borrowers and now has turned to blocking opportunities from secondary school students.
I have a   XXXX   and for some reason when you run my credit, all of my  XXXX  information comes up. Things such as her being in the  XXXX , her places of residence, and car loans she has taken out.
I had a credit card with XXXX. I paid it off in XX/XX/XXXX. Cavalry Portfolio is still showing this on my credit report. It has a date of XX/XX/XXXX. I have repeatedly asked them to correct, but they have not.
Freedom mortgage received double payments on my monthly loan. When I realized what was going on I asked them to stop pulling payments as I had payments already pulled for my loan. I asked for the additional payments to be refunded back to me. The customer complaints escalation team confirms 3 bi-weekly payments were duplicated. However each time I call in - NO one will give me a number to call them back and NOONE has a direct line or an extension for me to call back to. Each time I have called I speak with anyone new. each time we have the same conversation ... they want to only reimb me 1 payment. Each time it always concludes with yes they owe for 3 bi-weekly payments and that the money will be mailed. I wait, after NO refund -I call back in and start the complaint all over again. NO notes are placed in my file, No one that I talk to has a direct line or even an extension for me to call. They all promise to expedite the refund, but no payment is recieved. I started this process on XXXX XXXX! on XXXX XXXX I was given only a portion of the full refund owed me. Again when I called, I was told they first show no refund, then they will pay one and then this last time they need my XXXX payment in full before they can reimburse the " additional " payment that has been on my account since XXXX. I feel I have been patient long enough. I also feel that if I were late on my payments I would be charged interest and a late fee! My bill stated if my payment is not received by a certain date I will be assessed a {$42.00} late fee. I now think they should pay me interest as well as a late fee for the days I have waited for my refund.
I 've consolidated my student loan debt ( approx. {$200000.00} at this point ) under the Public Service Loan Forgiveness program, and have been making monthly payments for the last 6 years. I work for a nonprofit XXXX in New York ( high cost of living coupled with non-profit salary ). I should have been eligible for forgiveness in 2020. However, I just learned XXXX of my payments over the last 6 years have been disqualified because the " full monthly installment amount was not received ''. Here is how this happens : Let 's say my monthly loan payment is {$340.00}. One month I round up and pay {$350.00} ( overpaying by {$6.00} ). The following month I get a statement saying the amount owed is {$330.00} ( which is slighly less, due to the over-payment the month before ). I pay the exact amount owed, according to my statement. That payment of {$330.00} is disqualified because it is not the full loan payment amount. This happened to me 10 times in six years -- which means I will have to stay in repayment almost an extra year before I 'm eligible for forgiveness. Costing me thousands of extra dollars in repayment. 

When I called FedLoan Servicing to ask about this, I was told that it was n't their problem I " did n't read the fine print, '' and that the annual enrollment forms I sign to stay in the income-driven repayment program explicitly state that I must make the full payment each month in order to qualify. I get that. But then why am I receiving a statement telling me to pay anything other than my full payment each month? This is misleading, at best, but feels malicious. And I 'm sure there are thousands of people out there paying their loans on time every month, paying whatever is listed on their monthly statement, not realizing they are falling through a loophole in the system. Frankly, I 'm surprised there has n't been a class action lawsuit yet.
I have had a mortgage with U.S. Bank since XXXX of XXXX. I have never missed a payment or had a late payment. The mortgage was for 15 years and I needed to restructure it since I could not afford the balance of {$67000.00}. 

I started negotiating with US Bank in XXXX of XXXX, two months prior to the expiration of the loan. They did not return calls, personnel were unavailable or did not call back when scheduled. In XXXX, they refused to accept the monthly payment. I have sent in all required documents in a timely manner and confirmed that US Bank received everything they have requested of me. 

On XXXX XX/XX/XXXX, I received a certified letter requesting a payment with late fees totaling {$1100.00}. I sent a check for the requested amount via certified mail on XX/XX/XXXX as they were still going through the underwriting process. On XXXX XXXX, they returned the check stating they could not accept the partial they had requested via certified mail. 

On XXXX XX/XX/XXXX, I received a packet with updated valuation of the property listed as {$150000.00} with current pictures taken on the XXXX of XXXX. I was not aware anyone came to my house to take pictures and no one conducted a current appraisal of the property.
US Bank 's XXXX XXXX Credit Card had as their featured benefit, a second award night free as their main marketing tool. After paying the XXXX Annual Fee they suddenly cancelled that benefit effective XXXX/XXXX/15. How can they collect an Annual Fee and then change the main benefit, US Bank thinks they can change the rules after the fact. When I called in and complained, they said there was nothing they could do about it.
I tried logging into the account to updated the information and to see what the balance was to see if it is matching up to what is being reported on my credit report. But I received this message.
I have contacted Capital One several times about missing information and inaccurate credit reporting. I have 3 credit cards - Quicksilver XXXX, Venture XXXX, Spark business. These credit cards are not being reported on my credit reports. The credit cards that are being reported, the balance is incorrect. Each credit card has an estimate balance of {$500.00} each. Capital one is reporting {$2000.00} balance on each. I want all three credit cards to be reported to all three credit bureaus- XXXX XXXX XXXX and XXXX   immediately and the correct balance owed. This unfair reporting is delaying me from receiving the loans and proper interest rate that I deserve.
To whom it may concern, my mortgage is due on the XXXX of each month but I have a grace period of to the XXXX of the month. Intercap Lending Inc has me late on my credit report which is affecting me from being able to refinance with the company I wish to. In XXXX 2016 I had a hardship and my church paid my mortgage and the check cleared on XXXX XXXX. I have also never been 30 days past due for them to place this on my credit report. I believe this is in retaliation because I advise them to take my ex-husband off my deed and when doing so they stated I would have to refinance. Although I told them my divorce decree shows that I have been rewarded my home they stated that I would have to refinance. I am asking that they remove all negative late marks on my credit report immediately so I can refinance with another company. If they are stating that I have been past due over 30 days they should also be able to supply proof in which they received payment from me and my payments cleared.
I recently ran my credit report through XX/XX/XXXX. I saw that I had a debt in collections from an e.r. visit I had, years ago. I never received a bill in the mail and had i, I would have paid it or made payments, to pay off the bill. I called the debt collector to come to an agreement on a payment plan and they told me no. That at the very least I had to pay $ 100- {$200.00} a month. I explained to them that I was paying {$300.00} a month in resolving other debts. ( Those two are now removed from credit and the only negative debt I have showing is this one from the hospital ). Not to mention I was in a transitional shelter/shelter, and on welfare getting government assistance and thats where my income came from. It has been 6 years since this account went to collections. I tried to do the right thing and resolve the issue. I even asked if they wiped the interest off completely and gave me the total amount of the bill I would pay it in full. The woman said no. That was a few weeks ago. Since then, just about every other day, I get an alert telling me my collections balance went up by {$1.00}. Is this even legal?
I recently contacted Bank Of America for a dispute, and told me it could n't be done! I said What! I had {$210.00} taken out of my account, and it was not authorized by me. XXXX took the funds out my debit, and my wife 's! They should of just been from my wife 's account not mine! I just noticed, Because I am - {$72.00} and I said how! So I call and the guy tells me I ca n't do anything for you right now! I do n't know if Bank Of America does n't like me for filing a complaint on the way they handled my case before! I love this bank and I hate to fill these complaints out, but I do n't have much money and ca n't afford these set backs, and crazy fees, and shadiness these banks do!
Experian Experian has XXXX/XXXX XXXX XXXX XXXX has on my credit file wrong information as to amount owed on the loan. 

Experian has XXXX/XXXX XXXX XXXX XXXX showing incorrect late payments and errors on my Experian credit report I have provided the original amount of the loan and a letter showing there was no delinquency information to the credit reporting bureaus. 

It seems Experian gather information base on errors and incorrect way they gather information to this account as to delinquency in Experian errors. 

XXXX was the servicing company not the loan originator/owner of the loan was originated from XXXX XXXX XXXX XXXX loan documents showing loan amount & Credit information provided stating they did not report delinquency information to credit bureaus.
On XX/XX/XXXX, check submitted to Capital One, credit department XXXX, NC. I called to ask for an address to send check that was not a post office box and they gave me this address Capital One, attn Payment Processing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX and I sent a check to them in the amount of XXXX to pay account in full with refund to me. As of today, XX/XX/XXXX the check can not be located by capital one credit department. And the credit department employees, and managers don't seem to give a darn about a check that is floating around somewhere out there. One manager named XXXX accused me of not sending check. I called title company that issued check and told them that first check lost and to reissue another check. I now have the new check in the amount of {$8400.00} to send to replace the old check. I want to send the new check registered mail, signed receipt returned to me so that if check is misplaced again, I have a way to track check to see if delivered. I am being told that checks go to payment processing center and they have no live person at capital one credit department in XXXX NC to receive and sign for check. Since the first check was misplaced I and the tile company want capital one to give us the name of person to receive and sign for check they refuse need help will hold check until I get a name and address of the person that is willing to sign for check so that I have a way to tack that check was delivered and stop charging interest on this account because after XX/XX/XXXX whencheck was sent ant it was lost no interest should be charged from that date forward to now thanks you need help immediately as interest charges go up daily with these guys