WillisBack/dataset-financial-user-claim huggingface dataset:
Military spouse stationed in XXXX XXXX. Had cell phone. Account closed in XXXX when departed back to state side with military orders on XXXX/XXXX/XXXX. Suddenly I am two months overdue on this phone bill as of XXXX XXXX. Stating that the act. is open and I owe XXXX. Tried contacting the company. Phones are out of order. No way to communicate with them however, lost XXXX points on my XXXX score for an act that was closed almost 3 years ago. Orien is the name of the company.
On Thursday X/XX/17 I made an ATM deposit in the amount of {$5300.00} it was a refund from California Franchise Tax Board made out to myself and my husband. We both endorsed it on the back along with Deposit Only and account number. My husband is not on this particular account however, other similar checks have always been accepted by my bank. The next day Friday X/XX/17 the funds were reversed out of my account with no warning or explanation. I went to the bank on Monday X/XX/17 spoke with branch manager XXXX, she had one of the tellers make a copy of my check as it was still physically at the bank, she then made a call and informed me " they '' would be sending a notification and check to me and when I receive it I should bring it in to the bank and she would negotiate with " them ''. I asked if there was any way we could resolve the issue sooner and she told me I would need to wait until " they '' mailed me the notification and check and I should receive it today or tomorrow in the mail. I offered to have my husband come in to the bank and clarify if necessary she replied. " Oh we ca n't talk with him! On Tuesday after the mail had arrived I called her to see if it was possible for her to contact someone and expedite the process again she said I would have to wait until I received the notification and check in the mail as " they '' sent it out. I asked her who " they '' were and she said " the back office '' I asked if " they '' were at our bank she replied " I do n't know where " they '' are ''. The conversation ended at that time. On Wednesday X /XX/17 I called the customer service XXXX number and talked with XXXX who at least took the time to explain what the process was and she was very apologetic and understanding of my situation. She could not advise me what to do in order to get my issue resolved any sooner. With great frustration and XXXX I am filing this complaint it has been exactly one week that the bank has held up over {$5000.00} of my funds with very little help or concern from our local US Bank manager.
On XX/XX/2017 Transunion had removed the following items from my credit report : A collection account from XXXX {$230.00} Inquiries from : XXXX No proper notification of the deleted information being reinserted was provided and per the laws that protect me as a consumer this is a blatant violation and I demand that the items swiftly be removed from my credit report and all adverse effects to my credit history be remedied immediately.
I previously contacted XXXX XXXX through CFPB back in XXXX, they stated they needed 60 days to research. In XXXX of this year, they stated after the completed their investigation that the erroneous information would be removed from my credit file. It has been almost a month and this information still remains on my credit file and they have not removed the items as promised in a previous CPFB case ( XXXX ).
Yesterday, XXXX XXXX of 2017, I received word from public news that Equifax was hit with a security breach that has affected 147 Million citizens. I have put myself on fraud alert. I have done an annual report and have saved those reports.
I attempted to check with Equifax if I am certainly one out of 147 million compromised by going to their TrustedID Premiere. Entered my information ( last 6 of social and last name ), and it says " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This is asking me to enroll in a service just to see if I was affected or not. From what others on social media are saying, there was a clause that would prevent myself from taking a class action lawsuit if I continued. 

I also saw based on their FAQ their would be no waiver of rights for enrollment due to the security breach. Unfortunately, the seed is planted, and I find it discomforting that I may be doing my self more harm that good just to get peace of mind. 

I understand the gravitas in this breach and mass number in accounts compromised. However, based on news of this breach, I only feel these actions made from Equifax, placing roadblocks on getting the answers I 'm seeking, has only made things harder for myself and my family in the future.
I am the XXXX of the XXXX of my mother, whom the XXXX Supreme Court of XXXX has determined to be an Incapacitated Person ( XXXX ) under XXXX state law. 

On XX/XX/2015 the XXXX Department of JPMorgan Chase Bank, N.A., sent a letter to the XXXX indicating that they had received a garnishment order and outlining the debtor 's rights. However, Chase did not send a letter to me, despite the fact that ( a ) XXXX is legally incapacitated, ( b ) I am her guardian under law, and ( c ) the address to which Chase sent this letter is not in any way associated with the account that was garnished. 

By sending this letter to the XXXX instead of myself as her guardian and legal account-holder, Chase failed to provide adequate notice of this garnishment and possibly deprived her of her legal rights.
Sent letters and contact agencies to remove account, but no one responded. This account does n't belong to me.
This company Portfolio Recovery called Me on Sunday XX/XX/2018 at XXXX. 
Never said who they were but kept asking to speak with me, When I went to respond they hung up.
Midland Credit Management issued me a refund check in the amount of {$1000.00} on XXXX XXXX, 2015. This check was deposited by me on XXXX XXXX, 2015. However, this check was voided on XXXX XXXX, 2015 by Midland Credit Management because it was supposed to be issued to my father, XXXX XXXX, and not me because it was a refund to the individual who had paid the original amount to Midland Credit Management. I spoke with customer service on XXXX XXXX, 2015 and was told a refund check will be issued within four to six weeks to my father, XXXX XXXX, and will be mailed to his address within that time. However, it is now XXXX XXXX, 2015 and six weeks from XXXX XXXX would be XXXX XXXX. Further, I spoke to a customer service representative on XXXX XXXX, 2015 and was told that the refund was issued on XXXX XXXX, 2015 to the card that the original payment was made to Midland Credit. However, this card has since been closed and no further information from Midland has been provided. In addition, the customer service representative hung up on me after placing me on hold. 

This is the second complaint I have initiated through the CFPB and the first was successful in that Midland Credit Management finally issued a refund check for the full amount that was paid to stop any further collection activity for a credit card that was deemed opened fraudulently by XXXX XXXX XXXX. However, my correspondences to Midland Credit Management alone could were only ignored.
Enterprise Recovery System continues to contact my employer even after I had sent a letter indicating not to do so. They continue to harass my employer.
Charge off of account occurred following and in relation to Bankruptcy filed XX/XX/XXXX and granted XX/XX/XXXX. 

Account is closed ; however monthly reports are still being submitted as new information. On a monthly basis, the same charge off appears as a " New Civil Action '' on XXXX  report when nothing has happened on account since XX/XX/XXXX. 

Notes on XXXX report indicates a high balance of over {$1700.00} for current month when account is closed and no money is owed. Elsewhere the report shows a balance of XXXX  ; however, the report of a current high balance suggests that the account is open when it is not. 

I contacted company in late XX/XX/XXXX asking for resolution of the issue yet monthly reports of incorrect information are still occurring.
XXXX XXXX applied for a refinance of her mortgage on the property located at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX will be XXXX years old on XXXX XXXX, XXXX and has a credit score of XXXX and received an approval notice of her loan from Stearns Lending LLC Loan # : XXXX with an expiration date of XXXX XXXX, XXXX. Although XXXX XXXX fulfilled ALL conditions of the loan approval, Stearns Lending LLC reversed their approval because XXXX told them that the loan did not confirm to their standards. We obtained prior approval from Sterns to exclude the HOA fees from the loan qualifications and that was not a condition of the loan approval. XXXX XXXX ( XXXX daughter ) provided proof that she paid all condo fees for the unit from the date of purchase in XXXX XXXX to present and provided bank statements and canceled checks proving this issue as well as an affidavit from the Condo association. Sterns has committed a violation of their approval and has engaged in age discrimination by refusing to honor their approval of the loan to a valid applicant because she is XXXX years old.
I borrowed a loan from NJclass for {$40000.00} to pay tuition at XXXX University in NJ. I have made effort to pay them each month, but can not pay the full $ XXXX monthly. They have told me numerous times that there are no options for repayment. I have been giving them $ XXXX monthly. I have contacted congressmen in NJ who could not get the minimum down. They will not consider my income. My credit is now destroyed. I have other loans which are working with me without issue. It seems that hesaa is one of the few that offer XXXX options. I am now {$700.00} behind. Everyday is a struggle. I work hard and pay for everything else in my life that is required of me ... But because I ca n't pay the {$400.00}, my credit is bad and discounts my hard work. Someone sees my credit and feels I am irresponsible. I know it was my choice to borrow money, but hesaa 's inflexibility is making it impossible to find resolution. Private loans should be allowed inn chapter XXXX. I am now facing defaulting. I read that hesaa charges 30 % of the balance when you default for legal fees ... And they do NOT offer loan rehabilitation ... how is this legal? I should have the freedom of at least XXXX option. I have no rights here. Where are my rights? I have paid them something every month. I do n't know what to do. NJ Class ( hesaa ) masquerades itself as a federal loan to XXXX year olds who do n't know the system. The governor is listed as being involved on their website .... For what purpose? This needs to change. I need help or my life could be ruined.
Equifax violated my rights also compromised my personal identity that stim from Equifax data breach. I been fighting fraudulent charges and disputing fraudulent accounts that's on my report for over XXXX year now. Come to find out it's because of Equifax data breach. I reached out to equifax sent them supporting documents My police report and my ftc report about the fraudulent accounts on my report. Equifax did nothing. Below is couple of accounts. XXXX already agreed that I am not responsible for the account and so did XXXX XXXX admitted it not my account also. Equifax ignored they decision and now equifax has caused me to get denied for a equity loan threw my credit union ATTENTION : EQUIFAX FRAUD DEPARTMENT CONFIRMATION # XXXX XXXX # XXXX XXXX CREDIT CARD CONFIRMATION # XXXX
I have been attempting to refinance my mortgage with Everbank. I currently have my mortgage with them. My loan has been approved and we have been waiting on them to close. 

The issues are such ; 1 ) They lied to me pertaining to the amount of my closing credit. I have disclosures and an email from them with one number. Unfortunately, they are trying to push it through via another number. I believe that this is due to the fact that they have taken so incredibly long to close, rates have gone up, and they do not want to pay for another rate lock extension. 

2 ) They do not return calls. XXXX XXXX and XXXX XXXX do not return calls. They do not keep me updated within the process and they frankly do not care about me at all. The way they have treated is not only disrespectful but further it has jeopardized my ability to refinance due to # 1 and # 3 below. 

3 ) The continue to have inaccurate info. I have told XXXX on occasions that my property insurance is with XXXX. He has neglected to correct this in the documents and settlement paperwork. Why this matters is because they are wanting me to come in with money for closing due to insurance being underfunded. However, they are basing this upon coverage that doesnt exist. They are pulling data from the wrong home owners insurance company ( XXXX XXXX ) rather than mine which is XXXX. 

4 ) Most importantly, they do not answer the phone. They dont return calls. And if you do magically speak with someone, they do not return your call to let you know if the issue has been resolved and also if they need info from you to resolve the matter. 

These employees in the XXXX office should not be allowed to do anything within the financial services field. It is just too important of work. 

The bank is Everbank. 


XXXX XXXX XXXX
I get some accounts with Paylance reported under my name who does n't belong to me, I already filed up an Identity thief victim report and request all this account with this company to be removed.
this complaint is regarding XXXX XXXX FKA XXXX, ACCT.NO.XXXX   reporting on XXXX, TRANSUNION AND XXXX credit bureaus.It is of special significance that this account has been disputed twice within the last 30 days from each bureau and each bureau updated and verified the information each time.

The evidence attached are 3rd party credit pulls pulled today XX/XX/2019.After multiple disputes verified by each bureau, the information does not match between them and all of them can not be correct even though each bureau says the information is correct.I would like this specious creditor who bought the account or the bank to simply delete the account as a solution for this ongoing problem. 
The proof is clearly readable and understandable for each bureau to act unilaterally to delete this account from a creditor who does not possess the records of the original creditor and is merely guessing as a response to a dispute.
After going into a dealership to look for a vehicle, found out later when I had my credit checked on my account with XXXX that the dealership had pulled my credit XXXX different times from XXXX. I never read nor did I ever see any agreement or paperwork showing that this was going to happen. No one went over or showed me a finance application. I now have these hard inquires on my credit that have messed up my score. I sent a certified letter to the dealership asking for the proof of my consent to pull my credit XXXX times. They sent back a response showing a print out of the salesman 's application he filled out on his computer that I never was showed. But when they sent out the application it clearly reads in their agreement statement that they are required to let me know the creditor and address of who they share my credit with. I was never presented with any of this information and have been taken advantage of. I sent back a certified response explaining the conditions, the dealership never responded back, I gave them over 30 days, now I want to take action against them. I have attached all corresponding letters with the dispute.
To whom it may concern, Good morning. For the 3rd time now, I am writing in regards to a collections account on my XXXX and XXXX  credit reports from 'Hunter Warfield ' whom I 'm assuming represents 'XXXX XXXX XXXX '.
I never received any documentation on what they are seeking money for but I do know that they have withdrawn their claim multipleb times and it has vanished from my reports.
If it is in regards to a rental agreement, I provided XXXX XXXX with proof of me not getting paid from the veterans affairs and agreed to vacate their premises, WHICH I DID! I also had military and orders that sent me to Iraq. These people call me from time to time and due to our agreement and my military obligations, I could no longer live there. It been nearly 7 years and I 'm despedesperately trying to carry on with my life.
Best Regards XXXX XXXXs
The complaint is about Wells Fargo home mortgage added a repossession of an automobile to my mortgage balance. That the balance of the repossession was added to my mortgage balance. This happened last year and I wasnt notified. The company is Wells Fargo. Myself and Wells Fargo. I would like to know if I have a class action lawsuit against with Wells Fargo and if I can have my mortgage removed from Wells Fargo without refinancing it. My mortgage is a VA loan.
On XXXX/XXXX/2016 Financial Data Systems " Collection Agency '' stated in writing that they would DELETE XXXX collection accounts that I was disputing if they were paid. I paid the disputed amounts by credit card to resolve the matter and received a letter stating they had requested the accounts be deleted. However, after seeing that XXXX of the XXXX accounts had not been removed from my XXXX Credit Report as agreed. I filed a dispute with XXXX and provided the letter from Financial Data Systems. Today, I was informed that the Financial Data Systems has responded to the dispute but had not deleted the account as agreed! I called Financial Data Systems and the representative stated that if I Paid {$75.00} they would delete the account within 4 Business Days! This is extortion and a violation of both Federal and State Laws!
started a modification on loan 15 months ago they keep putting it off finding excusses why its not going thru. not putting my payments towards mortgage, reporting to credit iam not paying, now sending back my payments, company is nationstar loan number XXXX have been working with XXXX XXXX XXXX for 8 months now and she says she cant figure out whats going on they wont give her a answer, i have reported them to IRS, FHA, AND complaint department and called att, generals office and local news company, iam a XXXX XXXX  with XXXX county, everytime I get all paper work done they say either the notary stamp isn't right or they find something else wrong then cancel again, I just want it done so I can get rid of them, now they say they are going to foreclose on me even though I have made all payments and they are holding XXXX dollars of my money, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX mass XXXX email at XXXX XXXX
I have been denied the ability to dispute these charges with my Citibank credit card.I received a denial letter, that said I was not able to dispute the charge, The charges I am requesting assistance in disputing were all made between XXXX and XXXX 2016, to XXXX XXXX XXXX XXXX and XXXX in the total amount of XXXX. I have recently come to the conclusion that I have been victimized by an online business scam. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation .I would like them to look into this " merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people making promises and telling lies. They did not provide the services as described.
Medical Data System, XXXX XXXX XXXX XXXX, AL XXXX. The company call and I asked them to send me a paper statement and they refuse to. They told me that with payment arrangements they have to have a CC or Checking account in file. I spoke with 3 different people and all three of them were very rude and nasty. The supervisor told me she did n't care that it was my resonabilty to pay my debt. Which I am very aware of it and I am willing to pay the bill but why is it I ca n't get a paper statement and mail my payment in. These are some XXXX and rude people and they all should be fired.
I paid off the account on XXXX. On XXXX it waa still showing delinquent I called the company and was advise they were not informed of the payment until XXXX and it will take 30 days to be removed from my credit. On XX/XX/XXXXits still reflecting as open and unpaid.
Hello, I have a 2nd mortgage ( Home Equity loan ) with CitiMortgage, Inc.. Back in XX/XX/2013 I went through a bankruptcy which was discharged in XX/XX/2013. Since that time I was receiving monthly mortgage statement from CitiMortgage, Inc. However, for the past 3 months I did not receive any. Also, I did not receive any notifications stating that CitiMortgage, Inc. will stop sending me the monthly mortgage statements and the reason for it.

This week I called Customer Service Department and was told that because of the bankruptcy CitiMortgage is not required to provide me with a monthly statement. Is this correct? How can I find out otherwise what is the outstanding balance?

Is there a law/regulation that would make CitiMortgage provide me with a monthly statement? 

Thank you.
Over the past several months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows I have a contractual obligation to pay Capital One. I have not received anything that I have requested and it is still listed on my credit report from all XXXX of the Credit Reporting Agencies.
This is for a personal loan. Have constantly contacted XXXX of my references after being told to stop. Have harassed my wife at work. 
Constantly calling my house. All this because i am XXXX payments behind because i am on permanent XXXX now. i have not missed a payment in XXXX months and pay extra.