WillisBack/dataset-financial-user-claim huggingface dataset:
I have a XXXX with SunTrust Bank. Their online payment system is very buggy at best and they refuse to even acknowledge that they have a problem. If it was an annoyance that would not be so bad but this is costing their customers a lot of money. The system either sometimes acknowledge an online payment but does n't actually submit it and sometimes refuses an online payment but actually take the payment. On XXXX XXXX, 2017 I attempted to make a payment of {$250.00} online and the system rejected it twice. I call customer Service for help but was told that they could my bank with the routing number. There was nothing wrong with my routing number. I called the next day ( XX/XX/XXXX ) and was able to make the payment and the representative told me that the other attempts were not successful. I talked to a supervisor ( XXXX ) and he confirmed that I was unable to make the payment on line. He insisted that there is nothing wrong with the bank online system. The next day I checked my account on line again and noticed three payments ( 2 on XX/XX/XXXX and 1 on XX/XX/XXXX ). I called SunTrust and was told by XXXX not to worry as their system shows only 1 payment made over the phone. When I checked my personal checking account however, it showed that SunTrust withdrew {$750.00} ( three times {$250.00} ) from my account. I called SunTrust back and asked to talk to XXXX the supervisor again but was told that he suddenly went on vacation. I talked to two other supervisors, XXXX, XXXX and one manager, XXXX and was told that the best the bank can do is issue a refund but I would have to wait at least ten business days. Now my other bills are in jeopardy of defaulted and SunTrust would not so much acknowledge that they have a problem. I understand that this bad system does n't affect the bank as they are able to collect late fees when their system fails and benefit from people having bad credit scores since they can charge higher rate, but I do n't think they should be allowed to defraud their customer like this. This is morally reprehensible and ultimately will be bad for business.
XXXX XXXX -- -XXXX XXXX AND XXXX XXXX XXXX XXXX INQUIRES ON MY CREDIT BY NEGLIGENCE ( XXXX ) TOTALING XXXX-BUREAUS TRANSUNION-XXXX-XXXX.
Account is reported as late, payment is up to date. Address was never changed for statement. Did not receive bill.
On XXXX XXXX my mortgage with OCWEN reached its maturity date. OCWEN would not accept my last payment due to fees on account. I tried to work this out with OCWEN, instead they hired XXXX to start foreclosure. On XXXX XXXX XXXX sent me a NOTICE OF INTENTION TO FORECLOSE. With the amount of XXXX needed to satisfy mortgage. The amount was good for 30 days. I did n't have all the money, so I call OCWEN to reduce some of the fees to no avail. On XXXX XXXX, 2016 XXXX sent me a new complaint with XXXX due. I contacted OCWEN and they sent me a higher amount due.
Hi, I applied for an auto loan and I was told that my credit would be ran through 1 creditor and that it would be a soft pull. However I have over XXXX hard inquiries on my report as a result. I have disputed these to Equifax, XXXX, as well as XXXX with very little success. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX In addition to the unauthorized inquiries on the report. I have reached out to the creditors as well as all three bureaus in reference to other erroneous information on my report with little to no success. I have taken the time to enter the erroneous accounts below : XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) I am very upset as these accounts are not supposed to be included in my report. I have written as well as disputed this incorrect information with all creditors as well as all three bureaus with little or no success. I am in desperate need of your help. I thank you in advance for taking my complaint into consideration.
I have filed this complaint with ; HUD, Making Housing Affordable, FBI, XXXX, XXXX, XXXX XXXX XXXX XXXX, Federal Trade commission, American Bar Association, XXXX Attorney General and I 'm sure some other agencies. I just found this out today so these agencies have not had a chance to contact me back. I got a letter to vacate the premises today so time is of the essence I just need someone to help me. 
I was contacted by XXXX XXXX XXXX XXXX out of XXXX XXXX after I was online looking for a company to help me avoid foreclosure on my VA loan. They asked me if I did a load modification with my current mortgage company and I said yes, they told me my mortgage company was under a class action lawsuit and I could avoid foreclosure as well as end up with a settlement under the dodd-frank act. They asked me if I had equity in my home and I said yes about $ XXXX, they said that is probably what the bank was after to gain. I gave them XXXX that day and they sent me paperwork to do. I did it but they kept saying they did n't get it. Yesterday I was contacted regarding my payment bc they do n't take XXXX XXXX and she wanted to know if I could use the same visa I had been using. Today I found out my home had been sold. I had no Idea. I contacted the law group and it was apparently news to them too, then she called me back and said a letter was mailed on XXXX XXXX that they were dropping me as a client due to incomplete paperwork. I told her I have sent in my paperwork numerous times, she wanted to see it, so I faxed her the copies of the multiple emails I sent. I then called back to see if they received them no one answered the phone on any number I dialed before for the rest of the day. I am a 12 year XXXX Vet, I 've been on XXXX XXXX, XXXX XXXX XXXX. I am a sinlge mother of XXXX children. I bought this house with I was XXXX years old and I ca n't believe this has happened. If someone, anyone can help me please do!! I am at a complete loss.
I have filed disputes online and mailed request to remove inquiries : Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX , XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX/XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX. 
Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX   Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX
On XX/XX/2018 I filled out an online request on XXXX XXXX for a Home Equity Debt Consolidation Loan, and within minutes a Spokesman from Quicken Loans called me, and we started discussing a home equity cash out loan. He then connected me to a refinance loan so-called specialist who I immediately informed my situation to, and Asked him good and well ( CAN YOU HELP FOR SURE ) and I was given a yes indeed answer. I don't think he could tell I was XXXX-XXXX at that time, so I sent my personal info to him by email, and last years tax info as well and asked him to analyze before running my wife and mine Credit report as this was bery important to us as we had had some issues with a previous mortgage company and needed to know if there was a reason to go forward and therefore run our credit making a Hard Inquiry pull. He informed me that same evening that everything looked good, and he need credit report pulled to continue, now we were informed that all we needed was a XXXX credit score to qualify, and we exceeded that, so he said I will call back with interest rate and etc. to get paperwork started, but then he did call back and started that ... ... ..well we need to get credit a lil better so we may need some credit repair, this was a direct contrast Lie to what he told us, and I said we will not be doing no credit repair or pay for anything other than an Appraisal to be done, the not long after I said that, he called back telling us he can not do the Loan, even after telling us that everything was Good to Go with our initial qualification
PennyMac has fail to produce to me the original promise note and mortgage in question. 
My request was done not to release the original but notorized the copy under penalty of perjury and then they send me a copy of HUD1 which I do know the signutare are all forgery. In reference to HUD1 that the forgery was committed and I have solid evidence.
My original mortgage belonging to Green Tree mortgages is now owned by Ditech. According to their own statement rules, a payment is not considered late until after the XXXX day of the month. Based on my pay schedule I can not always pay on the first of each month but am able to pay well before the XXXX of each month occurs. I receive harassing telephone calls from ditech ; chiefly from XXXX, sometimes four to six times a day EVERY DAY from usually the 3rd of the month onward. When I do answer, no one on the other end responds. This is bordering on harassment and I want it to stop. 

Additionally, today is XX/XX/XXXX and I received my XX/XX/XXXX statement on XX/XX/XXXX that includes to payment statement, stub and return envelope. This happens ALL the time with these people and it has nothing to do with my local postal carrier as my other utility bills arrive in a timely manner. Please help, because my next step is to go to my state 's AG office.
I work for the State of Texas. We are not allowed to use our equipment, including phones for personal use. I have repeated told the personnel of One Main Financial in XXXX, Texas that these calls are not allowed and that they are jeopardizing my employment. I need them to stop calling my place of work. I am behind a few days. I have communicated with them by phone and email on my personal equipment. This is harassment.
I had XXXX hospital bills that were on my credit report for {$11.00} & {$15.00} and I should have never even been billed for these charges but it was easier to pay them then to dispute them. The charges were paid and all of the credit reporting agencies except Equifax had removed the negative credit after the charges were paid. Equifax 's system of reporting something does n't work and they want you to purchase their credit protection services so you can get items corrected on your report. I want my credit report updated properly and if Equifax can do what they want, to try and coerce people into purchasing their products, then they should n't be involved in the credit reporting business. What they are doing should be illegal and probably is. I would like to have my credit report removed from Equifax 's services. I should n't have to use a corrupt credit reporting agency.
I am contesting the account with SYNCB/WALMART. It is an account that was opened without my consent. It is showing a balance of {$660.00} with a {$490.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 136 % usage. I need XXXX and SYNCB/WALMART. to correct this account on my XXXX report. I should not oweSYNCB/WALMART. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too. Please report positive.
Owcen Loan Servicing is demanding that I pay for their home insurance, although I have never been without insurance and have faxed them a copy of my policy as they demanded.
On XXXX XXXX, 2017, I became aware of the possibility that my personal financial information had been stolen due to a large and successful hacking attempt against Equifax. In using their online tool, I was able to verify that I am among those affected. 

Equifax 's poor security was part of the problem, and it is necessary for CFPB and other involved agencies to act to ensure that consumers are protected, and that this does not occur in the future.
I have recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. please let me know if you can assist me with getting these item removed from my credit report. 




Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Complete dept. stores Contact Information None provided XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX
EQUIFAX DISPUTES INQUIRES LISTED FROM THE BELOW COMPANIES ARE NOT FROM ME, I HAVE SENT SEVERAL DISPUTES AND YOU JUST REFUSED TO DO ANYTHING BUT SEND ME A CANNED STATEMENT, FEDERAL LAW STATES THAT FCRA MUST REMOVE INACCURATE INFORMATION FROM A CONSUMERS FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT MINE, REMOVE FROM MY FILE AS STATED IN PRIOR COMPLAINTS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
During the month of XX/XX/XXXX, I submitted a request for a XXXX adjustment of my credit reports. The Adjustment was denied. My adjustment was based on the fact of my wife passing away on XX/XX/XXXX. The late payment was reported along this time frame as well. The missed payment was an inadvertent error on my part due to the dilemma I was in at the time. The payment was made current immediately and the account has been paid in full prior to terms of the agreement. I honestly feel my request was reasonable and I also feel that this creditor is being unreasonable in this instance based on the circumstances aforementioned.
Chase XXXX XXXX XXXX card allowed a thief to change my password, address, and request/receive a replacement card to another state overnight. Closed that acct, opened another XXXX and in XXXX days the thief had made a change of address on the new card. Closed account completely. This all took place from XXXX XXXX.Thursday XXXX thru Tuesday XXXX/XXXX/15.
TD bank held a payment as unidentified funds because my escrow account adjusted, and therefore marked me 30 days late for a mortgage payment instead of shorting the escrow account balance by {$39.00}, I tried to communicate with TD bank but no one there would discuss the situation with me other then they think they are correct
BB & T called in XX/XX/XXXX and stated that my wife ( ex-wife now ) had XXXX unsecured lines of credit that were in default and that since we were married and that I had accounts there as well, it was my responsibility to repay them or they would damage my credit. 

At that point I agreed to pay them a minimal amount each month to keep this from happening. I paid on those accounts until XX/XX/XXXX when my attorney advised me that I did n't have pay anything that I did n't sign for especially, under duress. 

These accounts were called into question when they were reported to the credit bureaus and I started phoning BB & T since there is n't anyone in the branches that really assist you anymore. XXXX XXXX sent me copies of the signature cards for those accounts and I immediately became alarmed because the signatures were n't mine or my ex-wife 's. 

First of all I removed her from my account in XX/XX/XXXX and had no other financial dealings with her from that point. She tried to get me to let her get her pay check direct deposited into my account in XX/XX/XXXX and I refused. She asked what she should do and I told her to go and open her own account, so she did, but I did n't sign for it or even know where she went until I saw a statement come in the mail. 

When I got the call in XX/XX/XXXX from BB & T, that was the first time that I knew anything about the XXXX account that was opened in XX/XX/XXXX. Since she did n't have much money and she did n't have her own business, I do n't know why she needed XXXX accounts. 

After getting nothing corrected with XXXX XXXX, I started going to the branches and had XXXX separate branch managers tell me that those were n't even the correct signature cards for those types of accounts and they did n't even have the correct account numbers on them. These were forged and created to attempt to force me into paying these debts that I do not owe. 

Attached to this complaint I will send a copy of the police report, the forged signature cards, the affidavit, a copy of my past and current signatures and the same for my ex-wife, a copy of the fraud response from BB & T. 

You can plainly see that these are not the same signatures.
I have multiple attempts of credit inquires that was signed up but I do not recognize signing any of these credit inquires so I would like them to be removed from my credit history if possible. 

Date Company 1. XX/XX/XXXX - XXXX ( Finance ) 2. XX/XX/XXXX - XXXX ( Finance ) 3.  XX/XX/XXXX - XXXX XXXX ( XXXX XXXX XXXX/XXXX ) 5. XX/XX/XXXX - XXXX/XXXX ( Bank )
Servicer has provided inaccurate, error ridden and misleading payoff and reinstatement notices to borrower. Federal Law requires the information contained to be accurate. 


In addition, creditors, assignees, and servicers must provide an accurate payoff balance to a consumer no later than XXXX business days after receipt of a written request from the borrower for such information.
Company claims I owe {$190.00} to   XXXX   XXXX   XXXX   XXXX  . However, I have attached a receipt dated  XXXX / XXXX /   16 from   XXXX  with this specific amount itemized, showing that the bill is paid in full and my total amount due is {$0.00}. I have also attached my credit card statement showing they in fact also charged me more than the amount listed on said receipt. I previously disputed this information and the company continues to report saying it is verified this amount is still owed despite my furnishing proof that it has been paid.
Electronic payment was made from XXXX XXXX to a company that uses XXXX XXXX. The payment was made on XX/XX/2018 in the amount of {$180.00}. The payment cleared the XXXX account ( transmitted by Deutsche Bank Trust of Delaware ). XXXX XXXX refused payment to the company and returned the check with the reason " refer to maker ''. Both banks claim the other bank is the problem. The money is gone from my account and the receiving company has not been paid. We have tried everything ( both the payee and the payer ) without success. We have complete documentation of our efforts ( email ). I'm concerned there is not better consumer protection for electronic payments.
XX/XX/XXXX : logged into XXXX account and saw note that my " IDR recertification expired over 90 days ago ; we needed more information but did not hear back from you. '' 1-I submitted it less than 90 days ago, had allowed linkage to IRS database, and received no notification of needing more information. Further, I have been in regular contact with customer service since XX/XX/XXXX asking why my monthly payment increased by {$200.00} and why my PSLF qualifying payments are inaccurate. I was told several times ( and have emails to document ) that my income had increased ( even though I still make $ XXXX gross ). I was told several times to resubmit my ECF forms. I have resubmitted countless times and have fax receipts to prove it. I have been working in 501c3 nonprofits ( XXXX ) since XX/XX/XXXX and have been on an IDR plan since XX/XX/XXXX.
Debt Collector : XXXX XXXX XXXX XXXX, 2016 ( 1 yr, 7 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} I did call the paramedic but when they showed up, but my daughter was fine and decided to drive her to the emergency room myself. They took my name and social anyways, and I asked why, they said just to make sure. And I said will I be charged they said NO.
My mortgage has been paid off for over month yet my escrow has not been received address XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX My money was paid promptly _ PLEASE RETURN MY ESCROW!!!!!!!!!!!!!!!!!!! 
XXXX XXXX at XXXX
I have a credit card with Bank of America. I had some problems accessing my online banking so I contacted customer service ( XXXX from California ) on XX/XX/2018 at approximately XXXX XXXX. As I was speaking with XXXX who was helping me regain access, a question popped up requiring me to provide my " citizenship status ''. I asked the representative if I was required to provide that information and she said that I was required to provide it. I refused to provide my citizenship status. I don't feel that a credit card company should have a right to inquire about my citizenship status! I called back to file a complaint about 15 minutes later and then was told that Bank of America could ask about " dual citizenship '' because they needed that information due to federal regulation. The question did not ask only about " dual citizenship '' but about both citizenship and dual citizenship. I feel like these questions violated my privacy.
On XXXX XXXX, 2016 we closed escrow on the sale of our prior home on which we have a mortgage with US Bank. 
The payoff of the mortgage occurred as part of escrow : the total payoff amount of {$190000.00} included principal ( {$190000.00} ), interest ( {$440.00} ) and fees ( {$41.00} ). Interest covered the period from XXXX/XXXX/2016 through XXXX/XXXX/2016. 
After contacting US Bank, they acknowledge receipts of the payoff on XXXX/XXXX/2016, but claims that I 'm not entitled of any refund of the interest amount covering the period after the payoff. Since the mortgage was closed on XXXX/XXXX/2016 I should received a refund of the interest amount covering the period from XXXX/XXXX/2016 through XXXX/XXXX/2016. That amount should be equal to {$200.00}.
We purchased an appliance at Lowes and we were told that our choice was 18 months interest free then after the 18 months interest would start being charged. Well after 18 months they charged us XXXX on bringing our balance up almost XXXX extra $!! That is NOT what we were told at purchase at ALL. This is FALSE and misleading business practices and we want this charge removed immediately.