WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint about ACS began when I initially attempted to come up a way to temporarily postpone my payments due to lack of flexible options my loan servicer provided coupled with my financial hardship that I was currently going through at the time. There was an agreement that was reached in which we decided on a modified repayment plan. This meant that for the first 6 months I would have 0 $ payments and then incremental payments for the next two years. Essentially I was paying a percentage of what I owed which was working. However, in order for this payment plan to begin, I needed to set up autopayments which ACS had no problem doing. So I went ahead and began autopayments as usual assuming that in 6 months, my payments would begin to go through as expected. ACS failed to notify me that the autopayments were no longer going through which caused my payments to be delinquent for the 10 months before realizing it. I asked ACS why this happened and how come no one notified me of this change. ACS did not have an answer. I found out that there was a change in legislation that prevented me, being the cosigner on the loan, to make autopayments. If this were the case, why did ACS let me go so long without calling or notifying me of this error. As a result of this mishap, My credit is ruined and ACS refuses to take the 10 delinquent payments off of my account because of THEIR error. When looking at my payment history, you can see the time from when the modified payment plan started and when the phone calls were made to inquire about this issue. ACS will also not give me any more information regarding this including dates ( not viewable on the web ) and other supporting documentation. I am looking to have these 10 payments removed from my credit history with the credit bureaus.
I disputed information on XXXX  in regards to suspected fraud activity being reported by Bank of America Missouri from XXXX. In XX/XX/XXXX I had my bank card and old checks from an old XXXX account stolen I reported my card stolen but at the time unaware that the checks were gone. Two checks were deposited at an atm to my account and the account was closed due to suspected fraud activity. I have since cleared this issue up with XXXX and reached out to Bank of America after receiving copies of a signature card bearing my  signature as well as checks from my account bearing my signature and the stolen checks bearing what is deemed as my signature, I spoke with a rep on XX/XX/XXXX who transferred me to a rep in the fraud dept who stated she was unable to handle and that I needed to speak with someone in risk department who stated that I once again needed to speak with fraud dept., None of these reps offered for me to send the documents I had nor did they look into any documents they may have had. I am just looking to have suspected fraud activity removed from XXXX  and XXXX XXXX XXXX. Thank You in advance
XXXX XXXX which is with Wells Fargo originally. It is with XXXX XXXX now I paid in full XX/XX/XXXX. It is for XXXX I would like the pay status to be updated to paid off in full. I called wellsfargo on XXXX XXXX  2017 they said to call XXXX XXXX to do it. XXXX XXXX said the opposite that we 'll fargos has to update it because they were the original lender.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ma XXXX
I have had on several occasions noticed accounts appearing on my credit file over the last 5 years and many times contacted the creditors as well as the Credit reporting Agencies involved in these erroneous posting. I was told that someone with a similar name accounts had merged with my own file and over time this was corrected.Recently, I checked my credit with the credit bureaus as I am about to purchase a home and open escrow in a week, but now I find I can not proceed with this real estate transaction due to accounts which I've never opened has appeared as though they were mines.These fraudulent accounts should never had appeared on my file as they are fraudulent and misleading about my credit worthiness.
I contacted the mortgage company approximately 2 months ago requesting assistance with paying my mortgage, since I had recently become unemployed. I provided all the requested information on XX/XX/XXXX 
They requested proof of being on unemployment, which was provided. They then requested the same information two or three times, extending the process. I was informed that in order to be approved, the mortgage had to be in current standing. So, I have really struggled to keep the mortgage current while awaiting the approval for assistance. 
I received a letter finally on XX/XX/XXXX. It stated that M & T Bank had received the additional information which was requested in order to complete the Loss Mitigation application. They stated they were in the process of reviewing the documents to determine if I qualified. 
I made a call into M & T this afternoon just to check that they had all the documents they had requested, and was informed that they had denied my application due to the fact that I did n't have a job. Well, yes, THAT was the REASON I was asking for assistance. They have offered no other options. I am at a point where I can not pay next month 's mortgage, which puts me in fear of not qualifying for assistance once I send in a request for review of the denial. 
I am flabbergasted that the programs designed to assist the homeowners when the times are temporarily difficult, would be unavailable due to the lack of income. If I HAD my job, I would not be asking for help!
Hello I sent a Certified Letter on XXXX the XXXX 2017 to  Wells Fargo asking them to provided documentation of my debt and account with my original signature. They have not provided this information but have a account reporting on my credit report monthly that is not mines. It 's been over 45 days and no verification. I would like this Wells Fargo account removed from all 3 Credit report immediately
over a year ago i was apparently in the hospital. i was supposed to be covered by insurance, the hospital never told me about any payment nor did they attempt to contact me. i now have a payment in collections and am unable to buy a house.
This will be my second complaint against Ocwen in three months. I have applied to have my mortgage modified three times in the past year. Each time it was denied because we had the ability to pay the current payment. The loan was going to mature on XXXX XXXX 2015, and I contacted Ocwen a week before the maturity date to ask when I could submit another request. I was informed that as long as it was done before the loan matured, it would be considered for a loan mod. I asked the " relationship manager '' three times that if the request was submitted before the loan matured that was enough time to do a modification, and she said " yes ''. I submitted a request before XX/XX/XXXX., and on or about XX/XX/XXXX,XX/XX/XXXX, I logged-on to Ocwens website, and a message for our account stated that we were granted a 'trial loan modification '. Today XXXX logged-on to my account, and a message stated that our loan mod had been denied. I contacted Ocwens relationship manager, and told it was denied because the loan had matured, and they couldnt do anything. I am very upset. I have not recieved any consistent information from that company, and now we are in danger of losing our home
NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CROA requirements!
This is an credit card I had back in XX/XX/XXXX, I had a fight over the phone with customer service for lying to me about taking ( 2 ) late charges off at that time, which they refused to and added 2 more instead when i had a agreement with one of the worker who represented Capital one of XXXX, so I told them to just close the account which was for a total credit limit of {$350.00}, I felt they were trying to scam me since I had the card for many years, and at that time I was on unemployment, its was the beginning of the recession. They sent me and a friend of mine who is my attorney at the time, paperwork, which I disputed this hole affair and explained it to a judge, I believe my lawyer sent an order to show cause?? Not sure, I believe the judge sided with us, anyway I never heard from capital one again, that was 13 years ago. 

Until XX/XX/XXXX on XXXX XXXX I recived a sheriff notice to garnish my salary. 
Now at the same time I have a ( one ) credit card I just opened to rebuild my credit in XX/XX/XXXX and its from Capital one who just increased my credit line to {$220000.00} and I am in good standing with them? Now I spoke to the law firm that is garnishing me and they said ; they would send me all the paperwork that shows the dates, the judgement and when I was served, which I was n't ever notified of a judgement or a court date other then the court date my attorney went to, but he is now out on medical comp due to his XXXX XXXX XXXX and unable to reach?? Is this legal after all this time? Never any attempt to collect or settle or contacting me before garnishment in 13 years now that the amount has all this interest built up they garnish??? I only owed ( {$350.00} )???? If that??? Plus is n't there some kind of statued of Limitation on Judgments also??
Midland Credit Management , Inc located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX, has sent me a letter claiming I owe a debt to them. They claim XXXX XXXX as the original creditor. 
On or about XXXX XXXX, XXXX I sent Midland Credit Management Inc a certified letter, return receipt requested, asking to explain and validate this debt. Though the reciept was signed and sent to me, they have not replied. Today, XXXX XXXX, XXXX, I received a letter from them requesting payment for this debt. I believe that this debt was paid in full in XX/XX/XXXX or XX/XX/XXXX.
This account was showing open for the longest on my credit report. This account now shows closed, but with a XXXX balance. I have no contract with this company verbally or written. I do not do business with this company and it should not even be on my credit report.
Allied Interstate reported a delinquent account from original creditor XXXX XXXX as a debt owed of {$360.00} on XX/XX/XXXX. Account was not on credit report at time settlement payment was made on the same day by myself. Spoke with XXXX XXXX ( identified as supervisor ) to request they remove from credit report. He refused to remove and stated they will update information as paid. I had already paid the settlement amount within timeframe given on letter received by the company which gave me up until XX/XX/XXXX to pay. Company never informed me they will be reporting this again after it was initially previously removed in XXXX. I informed this supervisor that not only did they report false information because account was paid but also they were in violation because according the FCRA I am to be given a 5 day notice before an account is reinserted. Please remove this account from my credit report. He continued to refuse. I also informed him I will be retaining a lawyer if the company continues to refuse to remove false information. 
XXXX XXXX
On  XXXX / XXXX / 17  I contact ed Professional Med Clctn an d spoke with a lady by the name of  XXXX . I paid Account number  XXXX  in the amount of {$60.00} using my debit card and received confirmation number  XXXX  from her. I also paid Account number  XXXX  in the amount of {$61.00}, again on my debit card and was told to use the same confirmation number. That same day I also paid with my debit card on Account  XXXX  and received confirmation number  XXXX . I was told that they would update the credit bureaus with these payments. After reviewing my credit report today, I should that they are still reporting Account  XXXX  and  XXXX  A as not being paid. When I spoke with the company, they told me that the payment that I made had been applied to an old account th at was 15 years old and t hey could not make any adjustment. When I called in and spoke with  XXXX , I specifically told her what I wanted to pay and thought that the payment was being applied to these  XXXX  accounts. At no time did I approve a payment to be applied to an account that wa s 15 years old.
I have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XXXX of 2013 and shortly before, I experienced significant financial difficulty ( to the point of almost being evicted from my abode ). I tried all options available to lower my monthly payments, deferment/forbearance, etc.. but to no avail. After speaking to a number of representatives, I was never told of the option to go on IBR ( Income Based Repayment ). I now have negative information on 2 of my accounts ( will attach ). If I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on my credit report.
I inquired specifically regarding the ability of the Citi Double Cash credit card, with regard to their ability to separate out charges for the multiple users of this card. I was told on XXXX ( XXXX ) separate occasions that this could be done. Upon receipt of my XXXX bill all of the charges were lumped together. I contacted their customer service and they said there was no way they could separate out the charges. This was totally misleading and I went through a long and arduous process to move our accounts over to this bank.
I opene d a BMO Harris Money Market accou nt on  XXXX   XXXX ,  XXXX . I was to receive a bonus of {$200.00} for keeping {$10000.00} in the account for 90 days. This bonus was to be paid within 120 days of account opening. I met the bonus requirements. As of today,  XXXX   XXXX ,  XXXX  I have not received the bonus. The bonus was to be paid by  XXXX   XXXX ,  XXXX . I contacted the company via secure message on their website on  XXXX   XXXX ,  XXXX , inquiring about when I will receive my bonus. This was their response : " Please know that the marketing team reviews accounts after they have been open for 120 days. If you have fulfilled the new account bonus requirements, they will typically deposit the new account bonus withi n ten busine ss days. Due to the high demand for the new account bonus, the marketing team has been running  two to three weeks behind  schedule. If you can provide us with the new account bonus code utilized when you opened your account, we will be glad to escalate your account to the marketing team for review. I hope that this information is helpful and do apologize for any confusion or inconvenience. ''
XX/XX/XXXX IC Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern : Please be advised that your disregard and violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collections Practices Act ( FDCPA ), and my rights as a consumer have caused harm by seriously affecting my credit rating, causing the denial of credit, as well as causing higher interest rates and unfavorable loan terms. Your continuous phone calls causing the telephone to ring repeatedly throughout the day and evening is harassing. Furthermore, at no point in a conversation with your company has your representatives ever disclosed their identity, the company being represented or the reason for the call, which was misleading. These oversights on your part are clear violations of the FDCPA Furthermore, we verbally disputed the debt with your company on XX/XX/XXXX and again via an XXXX through XXXX on XX/XX/XXXX. Not only did collection activity not cease during this time, but you  failed to send validation not once, but twice with the 30 day time frame for each dispute. In fact, we have yet to ever receive validation and the letters and calls are continuing even after 90 days. Again, this is a clear violation of the FCDPA and FCRA, which I am sure you are aware of as a Data Furnisher. We are for the 3rd time requesting validation. We are also requesting you review the attached conversation with XXXX, where they clearly state all charges will be removed and the XXXX receipt where they received their equipment back. XXXX XXXX : Once you return the equipment back the unbilled charges will be removed Consumer : So why am I paying for a full month when I terminated the service today? XXXX XXXX : All the charges will be removed once the equipments are received back to XXXX In light of the harassing phone calls, deceptive practices, lack of providing the mini miranda and inability to provide validation after 90 days, we are requesting that IC System correct our account to reflect a XXXX balance, cancel all collection efforts and have the trade lines deleted from our credit history. In the event, IC Systems neglects not to comply, I will file a formal lawsuit
repeatedly attempted to reach portfolio recovery associates about a incorrect account on all 3 of my credit reports. I am not getting a response and the information is stopping me from getting a home loan.
My google wallet / payment account was blocked. 
The company claims I have violated their terms of service. I have read them, and believe did not violate any of these terms. All I did was use Google wallet to transfer funds to my husband, which is well within the scope of what the service allows. 
Furthermore, the company refuses to explain which terms I violated and how. 
As a result, I 'm no longer able to send or receive any funds through Google wallet, make any purchases through Google of apps for my smartphone, groceries through Google express, or checkout through any merchant that uses google payments. I believe the closing of my payment account is unfair and at the very minimum, a more detailed explanation should be provided, so that I could appeal Google 's decision if their facts are incorrect.
This company XXXX contacted me on the phone. Ask had I applied for a loan? I said yes I had. They told me they could help and put me in contact with XXXX XXXX, the senior finance mgr., who then ask how much loan I need and what for. I told him to repair my car and pay some bills. I ask for {$1500.00} and he said no problem. Just go to my nearest Walmart. I went there thinking he would transfer money into my account after he took my banking information and personal things of my work and so forth. After getting to Walmart, he informed me that I had to pay the insurance amount of {$190.00} before getting the money in my account. I figured if I had to pay insurance to guarantee he get his money back, I may as well get {$3000.00}. He told me that would be {$290.00}. He ask me to stay on the phone while we made the transaction to Money Gram. After this was done he said he would call me back in 20 min., which he did to tell me XXXX would be giving me the loan. A person from XXXX called and asked me to verify my information. Then tells me that this is a loan company I 'm borrowing from and there will be a {$480.00} fee to pay before I can get this money transferred to my account. I refused and called back to XXXX XXXX XXXX for a refund because that is not what I was told from the beginning. XXXX XXXX continues to tell me if I pay this {$480.00} they will deposit money in to my account. This is the information given me. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Fla. XXXX, loan confirmation # XXXX
I pay a card fee for my chase sapphire preferred card because it provides purchase protection up to {$500.00}. When selecting credit cards I had many options, it was this advertised purchase protection that made the chase card stand out to me and was one of the main reasons I selected it. 

The purchase protection is run by a 3rd party XXXX XXXX XXXX ( XXXX ). Their negligence in completing my claim has resulted in me making over 12 calls over 7 months ( their websites claims to complete claims in 5 days ). The incompetence of the staff at XXXX results in them not being able to providing a service that I paid for, this is theft. The amount of calls I have had to make and invest my personal time results in reduced productivity at work, not to mention the personal stress this is causing. 

On XX/XX/XXXX I made a claim. XXXX promotes that it takes 5 days to file a claim and received a confirmation email XXXX attached ). 

On XX/XX/XXXX I moved and updated my address with Chase. 

On XX/XX/XXXX I had not heard anything so I called XXXX to see if they needed more information or anything? I called once in the morning and spoke with a representative named XXXX and once in the afternoon with a representative named XXXX. The calim was ruled in my favor for the full value of {$500.00}. They said they had everything they needed and the reasons that it took longer than 5 days was an internal hang up. They assured me the check was on its way. 

On XX/XX/XXXX. I still hadn't seen the check so I called again. They had sent it to the old address. Note that I updated my address with Chase. Its not my responsibility to call each and everyone of their 3rd party contractors to update my personal information. Therefore, XXXX 's excuse that they had the wrong address on file is not valid. Specifically since the claim should have been handled in the time between I filed it and when I moved. So I gave them the updated address and they assured me it was on its way. 

On XX/XX/XXXX I still had not seen the check so I called. 

On XX/XX/XXXX I called and still had not seen the check. 

On XX/XX/XXXX I called twice because I still had not seen the check On XX/XX/XXXX I called again. They assured me it would be handled that day and I would revive an email. I have not heard anything. 

I am fed up. I believe I have done my part, provided the information they requested. They need to be held accountable to ( 1 ) pay me ( 2 ) refund my card fees since they were not able to deliver services we agreed on ( 3 ) be investigated for theft. 

Thank you, XXXX