WillisBack/dataset-financial-user-claim huggingface dataset:
Incorrect address is listed. The XXXX XXXX, CA address is not a valid previous address. I 've never even been to California.
We had sewer and water damage in our home. We got our insurance check but could not Cash it as it also had our lenders name on check. This happened early XXXX XXXX. We did repairs and paid out of pocket for repairs. PennyMac is our loan provider, we had to have XXXX inspection done. The check was for {$10000.00}. To this day even after inspection said 100 % complete, PennyMac has not released all funds. It is now XXXX XXXX. They are holding on to funds for no reason. I call and get run around. Every time I speak to someone they tell me something different. Now they want to foreclose on my house when they are holding more money than what we owe! I do n't believe this is legal. My wife and I are upset and do n't know what else to do.
I recently opened a business checking account and US BANK felt it was ok to put my deposits on hold and charge me overdraft fees at the same time. There are well over {$300.00} in overdraft fees because they concurrently charged me for fees on money they 're holding and probably reinvesting in the market for 7 days. 

Ultimately I 've been wronged and I want the CFPB to investigate this matter. XXXX XXXX I would like no phone calls, please communicate in writing only please US BANK.
Due to financial setbacks in XX/XX/XXXX, we finally had to file for Bankruptcy in XX/XX/XXXX. We struggled to make all our payments and comply with the trustee guidelines. Throughout the process, US bank tried- on numerous occasions- to file a motion for relief of stay with the bankruptcy court but each time our attorneys fought for us. They even claimed that we did not make all of our payments through the bankruptcy and the attorneys had to go to court & produce records in conjunction with our records that we did. Finally, after XXXX painful years fighting US bank and paying off creditors, our Ch. XXXX was discharged in XXXX of XXXX. Sadly, the harassment by US bank continues. They failed to update their records and clear of a motion to foreclose on our property in XXXX. As a result, on XXXX XXXX, XXXX we received a letter dated XXXX XXXX, from XXXX XXXX XXXX that our mortgage has been referred to their firm for Foreclosure. This was a complete shock and re-opened wounds that we thought were healed! I spent much time on the phone trying to get this new matter cleared up and answers as to why this happened. They said they would take care of the matter. I ca n't put into words how discouraged and tired we are of the harassment by this bank. They have tried repeatedly over the years to seize our property. We are current on our loan! We did receive a loan modification during the Ch. XXXX but only after years of filling out applications and being denied repeatedly. We had to complain to this agency on that matter too. We have much equity in our house but because of the bankruptcy and a damaged credit history, we ca n't pull from it to get needed home repairs. US bank knows this. US bank is one of many banks that use their power to intimidate hard working homeowners and should be held accountable for their actions. We feel they have a vendetta against us and we should no longer suffer this emotional and financial torment.
I received a phone call from the company and was given an ultimatum to pay or be sued. I tried to call back to set up a payment plan to payoff the debt, but all my attempts have failed.
my identity was stolen i want this to be remove from credit report thank you Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX CHECK DISPUTE STATUS Creditor Information CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
My mortgage company ( XXXX XXXX XXXX ) did not utilize the bills sent by the XXXX of XXXX to calculate my taxes/Escrow Account and monthly mortgage payments properly. I was told that when a {$73.00} bill was pushed through as my 6th month tax/escrow payment for my property it was not a concern. I 'm not sure what happened to the original tax bill sent to XXXX XXXX XXXX Company since the XXXX of XXXX is reflecting a payment of {$2400.00}? XXXX XXXX  XXXXe Company verbally accepted responsibility over the phone on XXXX/XXXX/XXXX after not responding to an email sent on XXXX/XXXX/XXXX. I was told that this was an oversight on their part and that if my mortgage was for new construction then it probably would have been red flagged and looked into further. Now my monthly mortgage payment is expected to increase by {$610.00} ... ....
In XXXX, we decided to buy a bed from XXXX XXXX out of XXXX, KS. We ordered and paid roughly {$7000.00} ( {$4600.00} from debit card, balance on Synchrony XXXX ). The bed was never delivered, therefore I cancelled the order. I cancelled the order and closed the account in XXXX 2015. After 2 weeks, I got a bill in the mail for the entire amount. I called them again and they would credit the account in full. I asked them a XXXX time to close the account. After about XXXX minutes, and alot of anger, they closed it. a few weeks later, I got another bill in the mail. This time it was for about {$1100.00}. They were still billing me or shipping charges, restocking fee, etc. I called them yet again, asking how they could charge a CLOSED account, they said it was their right. I explained in detail what happened, talked to XXXX seperate supervisors and finally got someone with some force behind them.they told me I still was responsible and they would not close the account until it was paid in full. I took to social media at that point. I vented my frustrations, they gave me the " SORRY YOU ARE HAVING A HARD TIME '' speech. A lady from XXXX XXXX called me after reading the comments on XXXX and looked into the charges and credited the account. I requested yet a XXXX time to close the account. She said the account was officially closed. 

Low and behold, I got a statement in the mail 2 days ago. My question to them was " WHY AM I GETTING A STATEMENT ON A CLOSED ACCOUNT? They are refusing to close the account. I need this taken care of. I can provide the account number if needed. I checked my credit report and it still shows as an open account. HELP!!!
So my sister received a call from some collections firm representing  ACE Cash Express.  The firm stated that they have been unable to reach me and told my sister that she needed to contact me to notify me that they are threatening criminal charges against me for and unpaid debt i had in the amount of  XXXX  dollars from  2015. Als o that the needed to serve me papers at my place of employment of a law suit as well for Fraud. the released all this information to my sister who is only a reference. She then contacted me and gave me the firms contact information. So I called and was willing to make a payment arrangement with the firm after being threatened in the same manor, with a law suit and criminal charges and coming to my place of employment. I then told the woman i was speaking with if i could speak to someone else because she was being extremely rude and yelling at me and she said no. She stated that that was my only option was to pay  XXXX  every  2 w eeks I said I was not able to do that and she said well we are pressing charges on you then and proceeded to hang up on me. The woman would not give me her name either. This has caused so muc h   stress on  me at the moment my fathe r is really sick   XXXX  in th e  hospital and then i receive these threats. Is there any insight on this matter? The contact person that contacted my sister left the following information :  XXXX   XXXX   XXXX  Case #  XXXX
I am disturbed that the Credit Bureaus XXXX and TransUnion continue to list the bankruptcy that was Voluntarily discharged on XXXX XXXX, 2017 as confirmed in my credit profile. It is their policy to keep reporting bankruptcies that are adjudicated for ten years, but the Fair Credit Reporting Act, Section 1681c, mentions nothing about dismissals or fillings. The Law clearly states from the " date of adjudication '' or " date of order for relief. '' Any case, whether civil or otherwise, the bankruptcy no longer exists in the eyes of the law once dismissed, and never adjudicated. This is nonexistent information that should not be kept as public information. I am requesting that the Bankruptcy information is deleted from my Credit Reports and I request that a updated copy of my reports to be sent to me when the action is complete. I would appreciate a response on this matter within 14 calendar days.
A company by the name of new American funding which is a margin mortgage lending company has violated my rights to the equal lending process because I am a XXXX person I was given a loan approval and the loan was frivolously extended and prolonged until their became problems with the sale of the property as a way of deterrent me or discouraging me from the home buying process after being misled and led to believe that the loan was going to be approved for over 60 days the loan was denied without a denial letter
I 'm applying for HELOC. The bank gave me three reasons why I was not approved. I satisfied all the reasons and they are still giving me the run around. The last time I applied for a loan it took them 5-6 months to approve and only after I reached out to this office.
I reported that my Macy 's credit car was stolen and they did n't ask for ID card or any prof some hody make a purchase at Macy 's department store and why they place me on collection I will sue Macy 's if you did n't take of my mane from collection
i have a fraud alert on my file that i did not request. it has caused me to get denied on a credit card. i need any and all alerts removed i DID NOT REQUEST these alerts i am not a victim of fraud.
Chase Bank sent a letter dated XX/XX/XXXX Reference number XXXX concerning an XXXX XXXX XXXX account requesting proof of current physical address ( bill, gov ID ) I went into a Chase Bank in XXXX XX/XX/XXXX and they faxed a copy of my Texas drivers license. He said check with them in 3 or 4 hours and they would help me out. On XX/XX/XXXX I  called and they said it would take up to 14 days to get it in the system. 
They have not denied credit just delayed the application. 
The letter has if I do not respond within 14 days they will no longer consider my application.
I have filed a dispute to have negative items removed that are wrong. I have documents that prove that the results and response of the company just bounce around the fact they have not done a thorough investigation. The basic results were stated, " They are right and you are wrong ''. There was no specific explanation of the investigation. On  XXXX   XXXX ,  2017  the dispute was initiated and on  XXXX   XXXX ,  2017  the investigation was completed with very little to say and no documented proof was provided. The incorrect account that has been reported has caused daily  XXXX  as it has caused me and my husband to apply for multiple loans while being turned down. This made it hard to get a reliable vehicle for work and transport our children. In addition, it will hinder us from being able to buy a home. Lastly, the accounts in question have already been removed from my husbands account and the accounts are joint accounts.
Someone contacted me today at work 3 times attempting to collect a debt for Spot Loan. The name of the company was either XXXX or XXXX. The first number they called from was XXXX, and they did not identify themselves ; they just started asking questions. I hung up. 5 minutes later this someone else called from an unlisted number but I could not pick up. The third time I did pick up and I was threaten with a lawsuit if I did n't pay. I do not owe Spot Loan any money, Spot Loan is not licensed and therefore illegal in my state of TX, and I want all communication from Spot Loan and their collectors to cease immediately. I have can not take personal calls at work and do not wish to receive any call from them going forward.
We bought a home and used ifreedom direct and dealt with XXXX XXXX. We used a VA loan and had to put {$500.00} in an escrow account to tear down our shed and we were told by XXXX that they 're company would cover the re-inspection fee after the removal. We closed on the home in XXXX 2015 and just completed the work and got a refund check for {$400.00} and it stated on the check there was a {$100.00} fee for re inspection and I emailed XXXX and she stated her company usually covers that but because we were given credits at closing they were not giving anything else out. I sent an email back asking where in our paperwork that it stated that & even an amount of the re inspection fee, and that infact I had emails from her stating numerous times we would n't have to being more money to closing and XXXX minutes before our closing we were told we had to bring over {$1500.00} and infact XXXX had asked the manager for the title company to tell us not to contact her ( XXXX ) or we would n't close. We were also told our rate would be 3.5 % and at the last day we were informed that it was actually going to be 3.875 % and that 's why we got credits at closing. It has been a nightmare dealing with this company and the things they have pulled especially on a veteran!
In XX/XX/XXXX, my mortgage was transferred to StateBridgeCompany. The summer property tax payment was due at the end of XXXX. They did not pay this on time. The city charged my account a late fee of 0.5 % of the amount owed, coming to XXXX. StateBridge finally made the property tax payment on XX/XX/XXXX, including the late fee and charged all of it to my escrow account. 

I called them at least 6 times in the past month to find out why they charged the late fee to my account, and they have yet to resolve the issue. More than once they promised to call me and have not. I sent them all the information they requested to their escrow department, I left messages for the supervisor to call me back, all to no avail.
Professional Placement Services , LLC sent me a letter on XX/XX/17 in attempts to collect a debt from a debt collector. This letter did not include a statement describing my right to dispute the debt as per FDCPA guidelines. 

The letter also stated " the total balance on the day you pay may be greater as a result of fees and interest that continue to accrue. '' This does not comply with the FDCPA 's requirement that debt collectors clearly state the amount of debt. By failing to provide additional information such as the interest rate, date of accrual, and nature of any added fees.
I went to Walmart to use the moneygram financial service to send {$2200.00} to the recipient XXXX XXXX and was charged a {$45.00} fee for the transaction. I was given the confirmation reference number # XXXX and submitted all required information. When the recipient went to accept the funds, he was unable to and was told that he needed me to contact moneygram at XXXX and that the form was filled out incorrectly. Firstly, all information was filled in by the authorized Moneygram representative at Walmart. Secondly, when I called that number I was only asked survey information and ultimately disconnected from the call. I called XXXX located on my receipt and was told that there was a note on the transaction that required additional information. I was transferred to two times and only asked the same information, being reference number, my name and recipient name. Upon the the third transfer I was left on hold over 33 minutes and as I type this am approaching another 30 minutes of being on hold for a total time of an hour. I believe their actions to be fraudulent in nature, they were paid a fee to provide a service and said nothing about missing information when they took my funds, but have not revealed anything regarding the alleged note on the transfer other than they just like to double check information on larger transfer amounts. I was denied a direct number to the local compliance agent who they are allegedly transferring me to as well as a name, if I 'm even being transferred at all and not simply left on hold. I believe they are fraudulently using the excuse of consumer financial compliance in order to hold my funds and nothing in the transfer violates any consumer financial compliance laws nor have they informed me of any viable reason for their actions. Furthermore, I believe their actions are in violation of consumer finance compliance laws as I have not been notified of any reason for the delay nor have I been given the opportunity for proper escalation to resolve the matter.
I HAVE SENT CREDIT BUREAU NOTARIZED AS WELL AS CERTIFIED LETTERS IN REGARD TO XXXX XXXX IN WHICH THE COMPANY DID A CANCELLATION OF DEBT AND I SENT IT TO THE CREDIT BUREAU AND YET THEY STILL REFUSE TO DELETE IT FROM MY FILE
I opened an CitiGold account with Citi Bank on XXXX/XXXX/2016 with the offer to receive XXXX bonus Thankyou Points after meeting the requirement of making 1 qualifying bill payment from the checking account each month for two consecutive calendar months. I called Citi Bank on XXXX/XXXX/2016 to confirm that i was enrolled in the promotion, the representative confirmed that i am enrolled and will receive the promotional bonus. My call to Citi Bank on XXXX to confirm the promotion is listed on their account notes. I have met all the requirements and Citi Bank has not posted the promotional points. The points were supposed to be posted with in 90 days and now it 's well over 90 days. Please help me resolve this issue and have Citi Bank post the XXXX bonus Thankyou points to my account. Thank you.
I contacted XXXX about inquiries on my report that were n't authorized by me. I also contacted XXXX about a glitch in their reporting that removed inquiries and they replaced them my report without giving me notice in the mail 5 days prior as they should.
While returning on a flight from XXXX to XXXX on XX/XX/2018, I received a flyer from a flight attendant for a Delta Sky Miles credit card to join for XXXX bonus miles. The following day, I contacted the phone number on the flyer, and explained that I wanted to acquire this Sky Miles Delta card for the XXXX bonus sky mile points. 
I spoke at length about what I would need to do to follow all criteria on obtaining this card, and I agreed. I asked about cancelling the Blue American Express Delta Sky Miles card that was in my husbands name, and said that was no problem, as this was in my name. 
I was sent an email with Ref. # XXXX as my thanks for applying, telling me not to apply for another Gold Delta Sky Miles credit card during the application process. I did not. 
On XX/XX/2018, my new Delta Sky Miles card was sent. I enrolled in Online Access. 
I was sent an email that the Blue Delta Sky miles cards were cancelled. 
I proceeded to follow the rules of using the card to make sure I got my XXXX bonus sky miles, even calling American Express to make sure I was doing what I was supposed to do, and calling also about the {$50.00} Delta purchase I needed to make. 
In total, I probably called 6-7 times in the 6 months we were using this card.

One of the times I called, I spoke with a fellow about when my sky mile points would be posted. He wasn't exactly sure, but told me to wait until my XX/XX/2018 bill. He said " Don't worry, they will be on then ''. 
When I got my bill the end of XXXX, 2018, the points were not on, so I called. The person I talked to told me I was not enrolled in any special bonus points program. After speaking to him for about 10 minutes arguing about that fact, I asked to speak to a supervisor. XXXX came on the phone and told me that I was not enrolled in the program, When I asked what she was talking about, she said that I had already had a Delta Sky miles card in the past, so was not eligible for another one. She also stated that there were NO record of any calls from me to American Express in the last six months! I asked her if " I was in the XXXX XXXX? '' I was never, ever told this by anyone in the 6 months since I applied. 
If I had been told that, I never would have applied for this one. Why would I cancel a NO FEE card for a {$95.00} a year FEE card? 
I sent a complaint to the Attorney General of Minnesota, and American Express wrote them saying I would NOT be compensated. That they had listened to the calls and I was told about having had a card before, so I would not qualify for this one. I WAS NOT TOLD that. I want to hear those calls. 
When I called XXXX XXXX who was working on my case, she informed me to contact your department.
Credit report continues to show duplicate accounts that will not be removed. After running the XXXX score simulator the results indicated if I make my payments on time for another 20 years my score will still be XXXX poor? There reporting is so invalid. The credit card companies XXXX, XXXX just pull hard inquires whenever they feel like it XXXX for XXXX application. I give up ... As soon as the computer system was able to log disputes the reporting agencies employees became even lazier than before, they just wait 25 days and update with the same incorrect results. They contacted a closed business for verification? Yeah right. Its all scam now, as soon as you log in they want your money to upgrade to this and that and they are in cahoots with the credit card companies that pay them to advertise.
I have tried on numerous occasions to update my address with the creditor and dispute late payments reporting due to insufficient address. I spoke to a representative and on XX/XX/XXXX a dispute was put in but it failed to resolve my issue. On XX/XX/XXXX was the first dispute for not receiving bills. On XX/XX/XXXX the manager requested for all latest to be updated the two 30 day latest and one 60 day late and this was never done on my account. My account has been reporting wrong for over a year with a negative  impact to my credit.
Stolen identity fraud account open in my name XXXX XXXX  XXXX also known as XXXX XXXX Opened XX/XX/17 Account number XXXX Amount XXXX
XXXX XXXX claims that my account has a pass due amount of {$560.00}.
Regarding my account with American Credit Acceptance, I have fulfilled my obligation of the settlement agreement and paid off the loan in XX/XX/2017. I still have not received a title and called the bank on XX/XX/XXXX and XX/XX/XXXX to inquire. I was advised that a request was made to look into the loan as the balance remains at {$23000.00} in their system. Furthermore, the account is showing that I am in default with a past due balance of {$2000.00} plus. This is not acceptable as this all impacts my credit score,  debt to income ratio, and ability to sell my vehicle.