WillisBack/dataset-financial-user-claim huggingface dataset:
Yes I have a claim on my report with derogatory marks that was obtained during a period of time that I was XXXX. I was XXXX in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX the fraudulent activity on my report transpired In XXXX. I do not know how this is possible but please let me know what I have to do to prove my innocence and get this matter corrected. 
Thank you, XXXX XXXX.
Since XXXX, I spent XXXX months stressful days but, I paid {$150.00} for the services fees because of CITI. 

I opened Citi Gold account last XXXX, because I see there was XXXX XXXX miles promotion for opened the Citi Gold account. 

First, I see this promotion it looked really easy to do. I can not even imagine this takes too too long for be processed. 
I finished all promotion requirements at XXXX. and I sent a message to Citi. 
And they replied I need to wait till 90 days after I finished the requirements. So I waited like 120 days like a fool, but It does n't work. So I sent a message and call them that they finally submitted investigation for me ... 

2 weeks later, I got the message that I can not get a promotion because my account is not yet XXXX verified. So I sent the XXXX form to them. But It was rejected because of I did n't sent a proof of XXXX mailing Address. At that time I felt weird because I 'm still lived in XXXX. 

I sent another copy of XXXX with proof of XXXX mailing address ( It mentioned I live it here ). and call them I sent that. But, no updates for me after 2 weeks. So I called them again but, they said like it 's still processing. and call again and again and I knew that they even can not found my documents. 
and call again to XXXX of supervisor that said like I have to submit the XXXX instead of XXXX ( what.. ) So I sent that now my account is finally verified. and I submit the another investigation for it. and I 'm still waiting for it. 

Also, I tried to asked them a monthly fee waived, but that does n't work. They overtime said like their regulation for it. After few days is XXXX XXXX, that means I should pay another {$30.00} service fee. 

I 'm really tired of the situation, and I hop this solved quickly. 

Please understand my circumstances, I will look forward to hear from you soon with a good news.
wells fargo has denied me a loan modivation which I qualify for.they have changed my case maneger 3 times and never return phone calls.they have wrong information on my financels.I finalley got a hold of some one to find out why I got denied and there number of my monthly income got put in computer wrong.so I resubmitted.and know one called and now XXXX XXXX they started forcloser and I just got letter in mail 3 days ago.I have been in my home 18 years and have had my XXXX 30 years.my interest rate is XXXX wells fargo has been very challenging to deal with its because I have a little equity in my home they will not give me loan mode even though I qualify. I am a hard working single female.XXXX is why I feel behind she is XXXX and had to help her, I am only behind XXXX payment over the last 3 years, if they lowered my rate and added past payments on back of loan I would be fine.
Discover Student Loans charged off my student loan in XXXX of XXXX. Due to a chapter XXXX bankruptcy, they were unable to collect on the account.Upon dismissal of my bankruptcy case, Discover harrassed myself and family members several times per day to collect on the account. 

I sent in payment in full on XX/XX/XXXX in the amount of {$6100.00}. Discover cashed the check on XX/XX/XXXX but failed to apply the payment to my account and claims they have no knowledge of the payment. 

In response, I submitted the copy of the check to Discover as proof of payment. Discover continues to fail to acknowledge proof of payment and the balance remains outstanding and a negative mark on my credit report.
XXXX is the collection company handling to collection. They called Tuesday both mine and my husbands phone. My husband returned their call and they discussed the debt and what is was going to take to fix it. My husband is not on the loan or my personal account. I spoke with them Wednesday about the fact that they discussed my personal info with my husband she informed me they are able to. She stated that I woild be served papers today if not paid and then garnishment would start soon after.
I opened a citigold account in XXXX at a branch under the promotional offer of getting {$500.00} for depositing $ XXXX or more with the requirements as follows : 1 ) depositing {$50000.00} within 30 days of account opening. 
2 ) Keep the {$50000.00} in Checking for 30 days from deposit. 
3 ) The {$500.00} cash bonus will post XXXX calendar days from the date when all requirements are completed. 
I also confirmed my eligibility for the offer not once or twice but thrice including an email proof to a banking rep at the time of opening. 
I was n't rewarded that credit as expected within 3 months of account opening so I put in an investigation which confirmed I would be getting the credit of {$500.00} as I have met all the requirements by XXXX XXXX. ( The promotion code : XXXX ). Confirming reference : XXXX. However, I was n't credited the amount even on XXXX so I opened another investigation on XXXX XXXX where they confirmed they would let me know about my eligibility and credit by XXXX XXXX, which did n't happen either, so On XXXX XXXX when I asked they mentioned the investigation will take indefinite amount of time for which I do not want to wait any further as I feel cheated since I have all necessary proofs and confirmations from past confirming my eligibility and it should n't take long to credit the amount instead of making customers call and follow up so frequently, which is not only a bad customer experience but also seems like a fraudulent practice where you are promising a certain amount to maintain customer loyalty and not crediting the expected amount as promised. This is the reason why i am filing a complain here through CFPB so customers are aware of this practice and the citibank can try to be honest about their practices.
I set up a consolidation loan with my personal bank, XXXX XXXX. on XX/XX/2018 XXXX XXXX sent by electronic transfer, my payoff balance of {$1500.00} to Synchrony Bank which was received on XX/XX/2018. According to Synchrony Bank that payment was not applied to my account and i still have a balance with them. XXXX XXXX has sent over a letter stating their records show the payment was sent and received. I believe the payment was received but possibly paid to the wrong account. XXXX XXXX sent over a trace number for Synchrony to locate the payment and apply it to my account however Synchrony Bank states that they can not look up a payment by the trace number and need the routing number the bank used to make the payment. I then spoke with XXXX XXXX again and they stated there was no routing number and that Synchrony should be able to locate the payment using the trace number. 
I am at a point where i can not get any further with either bank in locating my payment and applying it to my account with Synchrony Bank. Any help I can get with locating this payment and applying it to my account would be appreciated. 

Thank you, XXXX XXXX
XXXX - On XX/XX/2016, I made an online payment of {$2900.00} to pay my account off. CreditShop 's web site did not show a pending payment and still shows a balance on XX/XX/2016 so I scheduled another {$2900.00} payment. However, went I left the web page and went back in, there was still no schduled payment. I called CreditShop and they confirmed that they were having problems with their online bill pay system. I offered my debit card to make the {$2900.00} payment, they refused as they can only use the bank routing and account number, which I did not have on me. On XX/XX/2016, I called to make the {$2900.00} payment and I was advised that the shows the payment of {$2900.00} pending and that it would be taken that night and the account paid in full. On XX/XX/2016, I called again as there was still a balance and the payment had not posted. Once again I was told that the payment would be posetd that night and account paid off. 

As of today, XX/XX/2016 the accoutn is still not paid off and the {$2900.00} from XX/XX/2016 has still not be applied to my account. My min payment is due on XX/XX/2016.
XXXX XXXX XXXX ( XXXX ) reported over 30 days and 60 days late on my credit report when this was not true. This was discovered when my husband had a renewal of his XXXX XXXX. XXXX sent a letter stating there error and said it would b corrected on both our credit reports. This was back in XX/XX/XXXX. The letter said that we had zero late payments on our mortgage. I was notified inXX/XX/XXXX that our credit had dropped. When I pulled our reports its showed that yet again XXXX reported late payments forXX/XX/XXXX and XX/XX/XXXX. This is causing us much stress since we are looking to rent another home and may cause us not to be qualified based on our credit score. XXXX also did not pay our home owners insurance nor or property taxes recently. I contacted them and was told that they knew this happened and had been waiting for customers to call and let them know. We where over 2 months behind on our home owners insurance. These funds are es-crowed in our payments. If my insurance agent did not call me, we would have lapsed on our insurance policy. This has caused us much stress and time trying to consistently fix XXXX errors. We will be looking into a lawsuit if needed.
I contacted transunion about a bankruptcy on my report, and asked for verification and validation, using the address they listed on my credit report, the mail was RETURNED, indicating a wrong address and inaccurate reporting. 

All of my correspondence was sent CERRTIFIED. I informed transunion of their inaccurate reporting and asked for a deletion. They responded to me stating they verified via XXXX and the listing will REMAIN, ( But They  changed the Bankruptcy court to the CORRECT address now- go figure. XXXX is NOT the furnisher of the information, in which they tried to pass it off as so. 


ALSO - and most importantly, I have attached a letter from the court, stating, THEY DO NOT REPORT to the credit bureaus. This is a clear violation of my consumer rights and is actionable. 

I have attached a copy of my certified correspondences in which, i asked for validation, notice the dates of the reports ( they changed the address of the furnisher, instead of admitting their mistake and granting a deletion ). 


Nevertheless, the letter from court should trump it all!!! 


PS_ I AM HAVING PROBLEMS DOWNLOADING ATTACHMENTS< but will try and input afterwards
My daughter was taken to the ER by her father. I was never at the hospital. I have received numerous calls regarding a {$240.00} debt. I explained to each collection agency that called that I was not responsible as I was not the adult that accompanied child for visit. I requested validation of debt with my signature. I never received it. I checked my monitoring service and found an entry to my credit report for the debt I explained was not mine. It also states I opened this debt in XXXX. My child went with her father, XXXX XXXX, to the ER in XX/XX/XXXX.
Sent a request to investigate and remove inaccurate and invalid accounts that are on my report as follows : XXXX : XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX Acct # : XXXX  {$13000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} XXXX : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} TransUnion : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00}
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
This is a frequent reoccurring problem with the bank I use. Availability of funds. My recent deposit was made on XX/XX/2017, the deposit posted XX/XX/2017 the on XX/XX/2017, XXXX of a XXXX deposit was added to my account. I have been with this bank, formerly Soverign Bank, for fifteen years. In the past two years with holding funds to my account are a monthly event and I get monthly overdraft fees in the XXXX 's range. The visual posting of my account is deceiving as well.The checks that I deposit are not personal checks written to me rather bank checks from my clients all in the USA. I am a common woman, with a XXXX, my funds are limited and I live day to day. Clearly I will find another bank. I feel that the practices of Santander Bank holding my funds for days is that of thievery. They, Santander have immediate access to my money, we are in a lighting flash technology era, I know they use my money for a period of time to make more money for the bank and with my additional overdraft fees I am truly being robbed. A two day hold on personal accounts is only wrong and the people who have the least money get hit the hardest.
On XXXX XXXX 2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan.

I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l would n't accept it at all and they insisted me that it was definitely be a soft inquiry and wo n't hurt my credit score so l said OK, just give me the rate.

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- WELLS FARGO DEALER SERVICES 4- XXXX XXXX XXXX 5- XXXX Two different hard inquiries on XXXX ; 1- XXXX XXXX XXXX 2- XXXX XXXX  One hard inquiry on XXXX ; 1- XXXX XXXX XXXX
XX/XX/XXXX,, Yes I Did Received A Very Postive Respone From Wells Fargo Bank about Some Of My Complaints,, Last Letter sent was Mailed To Me On,, XX/XX/XXXX,, Still Needs More Work,, Plus, Now In Question,, Title Deed,, Mortage,, ( Deceased Parents )? Ect,,,,
I attempted to pay my mortgage on XX/XX/18 through online processing. I have my bank account saved, and selected it. I received the email notice confirming my payment. A week later ( XX/XX/18 ) I realized the payment had not hit my bank account. I called the mortgage company to check on the status. At this time I was told that the payment didn't go through, but they would process for me using my saved banking information. I agreed, and once she completed the process I asked if the late fee could be removed since I had attempted to pay on time and the payment processing didn't work. The representative initially agreed that they could cover a portion of the fee. When I asked if they would cover the entire fee since I had never had a late payment she then agreed. I received an email the next day confirming my payment, for the second time. Another week passed and once again I noticed on XX/XX/18 that my payment had still not processed in my bank account. At this time I called the company again. The representative stated that the first time I attempted to process there was a digit missing on my bank account number ( which was saved ). She wasn't able to determine what happened the second time when the representative processed over the phone. I asked if the fee 's could once again be removed since I had now attempted to process payment twice and she stated that since " it was my fault that it didn't go through '' that they wouldn't cover the fees. I explained that the initial late fee that had already been removed could technically be considered my fault, but that was not the fee in question. The fee would be related to the second payment processed by the representative. 

At this time I have payed my mortgage, but there is now a fee left open on my account, in addition to a negative mark on my credit report for " late Payment ''.
XXXX XXXX has placed a charge off on my credit report for {$150.00} I have tried to contact them and find out what is going on and all they keep asking for is full payment on this debt, it it apparently 3 1/2 years old and Im just now finding out about it. I asked for a letter stating they would remove it from my credit report if I paid it in full and was told that is not possible and then was hung up on after asking why it wasnt possible.
Per FHA Guidelines The lender is held responsible, equally with the appraiser, for the integrity, accuracy and thoroughness of an appraisal submitted to FHA for mortgage insurance purposes. 
FHA may pursue appropriate enforcement actions against XXXX or either party for violations. In my situation not only did the appraiser use a foreclosure but he also used a XXXX property that needed a lot of work as well. He also totally disregarded the below grade portion of my home. To clarify that, he only tried to focus on the above grade portion of my home and totally disregarded the below grade. The homes he found not only had lower total square footage than my home but they also had XXXX and XXXX less rooms in those homes as compared to my home. Per FHA Guidelines the characteristics of the property must be based on selections that have similar or the same characteristics including site, site view, location, design, appeal, style, age, size, utility, quality, and condition and the homes selected did n't fall under that criteria. I provided homes that were exact replica 's of my home in total size, rooms, and appearance and the appraiser and my mortgage lender ignored those.
I purchased a vehicle the first weekk of XXXX 2015 from Carmax. I approved the carmax associate to run my credit XXXX time and that was to get me approved. I got approved then i drove the vehicle and it had multiple problem so with the carmax guaranteed approval of satisfaction i took the car back and got another one. During that process i didnt know they were running my credit all of them times. After i fouind out i called up to the store and asked them why they ran my credit so many times and i was then told when you have multiple inquiries from the same company they will merge together and become only XXXX inquiry.
My complaint is that Union Bank & Trust withdraws the funds for checks mailed to companies the day the check is cut and mailed, not when the company being paid actually cashes the check. Most recent example : The Rent payment for my business location was setup thru bill pay to be paid by the XXXX of XXXX. The funds were actually withdrawn from my account on XX/XX/XXXX. The check did not get to my landlord until Friday XX/XX/XXXX. The bank is earning interest ( the float ) on my funds for over a full week. I have never banked with a company that pulls the funds out the account when the check is cut, unless I was getting a certified check. If this practice is not illegal, it is surely unethical. This check will probably not be cashed until today, XX/XX/XXXX. However, I have no way of knowing for sure when the check is cashed because of the way they are processing checks. To top it all off my payment was a day late! I find this process to be completely unacceptable. This was not the policy at Xenith Bank. So far I am very disappointed with this bank merger and considering moving my accounts to another bank.
Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : Credit Control Services No account # listed Bal {$270.00} XXXX XXXX Acct # XXXX Bal {$2900.00}
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/XXXX XXXX days past due as of XX/XX/XXXX XXXX days past due as of XX/XX/XXXXXXXX days past due as of XX/XX/XXXX Charge Off as of XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
It was a great hardship for me to get a loan modification from JP Morgan Chase in 2012. They service my loan in my name, but the property this loan is on is in a XXXX Trust for my daughter, XXXX XXXX, who is XXXX. They refused to give us a hardship HAMP modification solely on the grounds that the property was in trust. SO we had to serve Chase Lawyers. Finally after two years, we were given a HAMP mod in 2012. Unfortunately, Chase did not keep their agreement to keep our loan payment affordable. They only lowered the interest rate a portion of a percent. Then in the years to follow they have increased the payment by over {$200.00} a month, making it too high for us to pay. The reason they gave was that there were " mistakes '' made on the escrow account. They have done this twice and despite numerous letters asking for explanations they have refused, only saying it is was a " mistake ''. This year I received a notice from the Tax Assessor in XXXX XXXX County, saying that a " fine '' was attached to the property. I called and talked to them. They said the fine was to be paid by CHASE, not by me, and levied because Chase failed to notify the tax assessor of the modification. Chase however, attempted repeatedly to claim that I was the property owners responsibility. We got a chase supervisor on the phone and conference called the tax assessor and they repeated that it was Chases debt to them. Chase said they would remove that from our escrow account, but I do not believe they ever did. We believe this is against the law, not to mention and incredible abuse of power, committed against and elderly man and his XXXX daughter. We are seeking to have our mortgage reduced back to its original amount and Chase is not saying again they can not do that because it is in trust. It is outrageous. And we are well aware that the small increase in our property tax this last years could in no way account for the drastic increase in our payment. We desire to have our payment modified or reduced to the original amount and that any increase be justified as related to our financial burdens alone, such as increases in tax and insurance ( which has not increased ). Any mistake that may have been made are not our responsibility and must be adequately justified. My XXXX daughter is recovering from XXXX, she has XXXX. Moving her now may XXXX. XXXX. She is very ill and it is highly damaging for her to be put in this position by this bank. Please help us to get our mortgage lowered to its original rate or accomplish a modificatoon and get explanations for the increases. Thank you, XXXX XXXX XXXX