WillisBack/dataset-financial-user-claim huggingface dataset:
I tried several times to contact the company to get assistance with paying my credit card bill and lowering and/or removing fees during my time of a financial hardship due to loss of income, but have not been able to speak to anyone at the company for any help. I would like to keep the account open and return to good status with the company.
I was involved in Ace cash express refund settlement and did n't receive the check until late XXXX XXXX, check was dated in XXXX. Looked into last month, after hours of getting no where gave up. Seen it again and figured I try, it 's over XXXX $ so would like to figure it out.
I sent an International Wire Transfer through Citizens Bank, and the amount that the recipientreceived was less than Citizens was to deliver. All transfer fees were paid as agreed with the bank, ON TOP of the amount sent ... Therefore, Citizens stole some of the money from the transfer
In XXXX of XXXX, I sent a dispute to Experian disputing and requesting verification of the following items listed on my credit file. 

XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX Acct # unknown The dispute was received by Experian via Certified Mail Return Receipt Requested on XXXX XXXX, XXXX XXXX see attachment ). As you know, the FCRA requires the Credit Reporting Agency to respond within XXXX ( XXXX ) of the dispute. Experian never responded. In XXXX, I sent a demand letter to Experian via Certified Mail Return Receipt Requested ( received XXXX XXXX, XXXX XXXX asking them to remove all items that they failed to respond to in accordance with the law, the FCRA. On XXXX XXXX, XXXX, I received a credit report, with a response, stating that the items would remain as a result of the investigation. I specifically stated in my XXXX XXXX letter that this was not a second dispute or a reinvestigation, but rather a demand for deletion do to their failure to respond to my XXXX XXXX dispute within 30 days as required by law under the Fair Credit Reporting Act. On XXXX XXXX, XXXX, I called Experian to inquire on why my demand letter was treated as another dispute, I was tranferred to XXXX, on the XXXX team. I explained in detail the reason for my call and advised him that the items disputed in XXXX must be removed in accordance with the FCRA due to Experians failure to respond within 30 days. XXXX told me that it was not possible. I responded by telling him that it was the law and Experian failed to respond. He initially to admitted that Experian did not respond at all and then quickly backtracked his statement saying that a response was mailed and then eluded that it got lost in the mail. I then asked for the date that the response was mailed and he could not provide one, stating that he didnt have a specific date because Experian could not generate another response from their system. I told him that the FRCA requires Experian to send me ( the consumer ) a written response to which he replied that there was nothing Experian could do because they were not responsible for lost mail and that I should have looked for the results online. I explained to XXXX once again that it was still Experians duty to provide me with a written response. I also asked him to provide me with the FCRA requirement, Law or statute that states that the consumer must get the results online, to which he responded, Im not here to discuss the law. I reminded him that he still had a duty to follow the law and provide a response. I once again asked him provide me with the law and he responded, I can not answer that. and " no one at Experian is here to discuss the law. '' The call ended. I am requesting that the CFPB intervene on behalf of me, the consumer, and demand Experian remove the four items in question as they failed to respond to me the consumer within the required time frame of in accordance with the FCRA. 

Attachments include XXXX XXXX, XXXX Certified Mail Receipt of XXXX XXXX Dispute XXXX XXXX Demand Removal of Items for Failure to respond to XXXX XXXX request and its Certified Mail receipt of the letter XXXX XXXX, XXXX
I helped my sister with her appartment by giving her my pay stubs cause she need a proof of income i never signed any lease or anything i explained this to the company hunter warfield and they sent me papers with a electronic signature which i never signed I told  them this is not me and it was forge documents and they still trying to get me to pay my sister debt
My federal student loans were erroneously reported to the credit bureaus as being late when in fact they were always either in deferment because I was in school or they were part of an income-drive repayment plan in which my monthly payment is {$0.00} because my income is too low to pay back my loans at this time. These erroneous reports have caused my credit rating to suffer.
Rushmore tried to sell our home on XXXX XXXX, 2015 and we were forced to file a bankruptcy to stop the sale. We have been trying to get help from them since the loan was transferred from XXXX XXXX XXXX to Rushmore. However, they will not open a review for assistance because they claim that they have reviewed us for assistance XXXX times already and they wo n't do it any more, but they have NEVER reviewed our loan for assistance. Unless they did it on their own. We are now in a situation where they are going to take our home away, even though we qualify for assistance through government programs. Our bankruptcy will time out at some point and Rushmore is unfairly trying to take our home away. Even if we did go through the process years ago, our finances have changed and we are in dire need of getting our loan back on track. Rushmore is not even allowing us to send in a package for assistance review because they say that our loan has been reviewed three times. We do n't think so. I am XXXX and my wife works, but does not make that much money to keep us from assistance. Please help us get into a negotiation with them. Thank you.
CFPB DISPUTE XXXX XXXX, XXXX XXXX XXXX XXXX with Elan Financal VISA # XXXX REASON : NO resolution after contacting bank on Saturday, XXXX XXXX My ELAN Financial Visa x XXXX experienced this cycle to lower my credit limitbased on a missed debit by Elan 's Autopay, which supposed to have drawn my minimum due ( of {$190.00} ) on XXXX XXXX. I activated XXXX XXXX earlier last month. It had shown " active '' and gave me no indication of any delay in processing this setting either. Yet after I contacted Elan supervisor XXXX, XXXX XXXX to inquire, nothing resolved. I ask my my credit limit to be re-instated. 


By the way, last month this same Autopay feature had malfunctioned in the opposite direction, in other words, debited XXXX the need for my minimum payment by not recognizing my satisfying such payment weeks before it was due! My minimum, due by XXXX XXXX -- but paid on XXXX XXXX -- I learned this amount was processed again on XXXX XXXX via my Autopay selected. Despite my contacting Elan first, I had to call my XXXX instead to intercept its processing to resolve this. Elan supervisor resisted to help the transaction still in processing, argued lamely that their system technically could n't recognize a payment made which satisfies the minimum due before it IS due. After my pointing out that XXXX Autopay recognizes payments this way, THEN Elan supervisor claimed that IF ELAN Autopay had recognized a payment made, this would hinder a cardholder 's paying more than the minimum, which is absurd. Irony is, that upon my setting up Elan Autopay originally on XXXX XXXX, my inquiry had consisted to ask my rep about the possibility of the system XXXX debiting a minimum amount which is due, after it was satisfied, but without minimum showing anymore as due for that respective cycle. She gave me a false answer, to say that it would not do so. ( I had even asked her again, XXXX! ) When this subject was discussed XXXX, XXXX XXXX Elan supervisor explained a policy of payments not recognized, when they are paid within 3 days of due date ( mine, XXXX XXXX ) but that did not take place here, nor was that part of the question! 

I did ask for my request to re-instate my credit limit to be notated, # XXXX yet I was also told the " credit department '' would not talk to me, its cardholder without a reference number printed on a postal letter, which could take weeks. He apologized -- BUT UNFORTUNATELY ... .. 


COMMENTARY Such unfair bank practices should become unlawful. Practices which allow banks to escape accountability to its customers ; to proffer false answers frequently, or set up 'electronic traps '' for us to fall into, should become unlawful. A way to pave a path for a a bank to levy undeserved fees, which may go unnoticed, only to encounter some knowing apology " on cue '' ( yet no refund ) should become unlawful. No customer who pays regular on-time payments should suffer a loss simply because banks have " more buttons than we do "!! 

A proverbial lesson somewhere in some gym class : " Children, we must teach you today, that in order to become a winner in the game of tennis - - AS IN LIFE - everybody 's gon na need ... A RACQUET!!! XXXX XXXX XXXX
I 'm in the process of a deed in lieu with XXXX XXXX XXXX under the ( HAFA ), where they are allowed up to {$12000.00} to pay off a lien. in my case being a XXXX mortgage of less than {$10000.00}. Springleaf Financial the XXXX mortgage, as well as XXXX have all the information provided to them, phone numbers, fax numbers, account information everything needed to get a negotiation done. Springleaf even after several months of me calling and faxing them information and after XXXX has mailed them an offer do n't seem interested in a settelment. they have written this account off in XX/XX/XXXX, and only seem interested in 1 payment on original loan. Is there anything that can be done to settle this matter before this turns into a full foreclosure. Thank You XXXX XXXX
I wrote an incorrect check to an assisted care facility XX/XX/XXXX to cover charges for my mother 's care. The figure written was {$2000.00}, however, I mistakenly wrote XXXX Dollars and XXXX cents. The check was presented to Bank of America, who without questions accepted it for the written face value.
XXXX account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX card couldnt settle the account cause it was transferred to XXXX XXXX. XXXX XXXX  took the payment and settled on this account. Was being reported as paid charge off on XX/XX/18 now on XX/XX/18 saying charge off again. Please update as paid charge off settled in full XXXX bal. XXXX # XXXX
Attempts to collect medical debt giving confusing information & being returned documents that do not prove that the debt is mine ( ie they mailed me a copy of my Kansas drivers licence which does not prove that the debt is mine. One of the bills they sent says I owe them {$51.00}, another says {$0.00} under " final notice '', yet a third bill says {$140.00} i think before you go around saying i owe you money you need to make up your mind as to which amount it is after 2 requests for verification of the debt clearly indicates confusion on the part of the debt collection agency from the party they are trying to collect from.
I asked Discover to validate the dept. they claim I own with proof baring my signature 'from a transaction or application '' they failed as well did n't follow rules and place a note the account was in dispute with credit agency 's even unto the court date, they still have n't verified or placed the notes in dispute as by law
On Sunday, XX/XX/XXXX, Transunion XXXX XXXX XXXX, at the behest of XXXX XXXX XXXX, and in turn screening on behalf XXXX XXXX XXXX, fraudulently claimed to have run a background, credit, and civil judgment check on myself ( XXXX XXXX XXXX ) and my roommate ( XXXX XXXX XXXX ). This background check could not possibly have actually been made, because the result they obtained, and published to me, included a civil judgment against mefor {$5000.00} by XXXX XXXX XXXX XXXX which no longer exists. Any search of XXXX XXXX Illinois court records would subsequent to XX/XX/XXXX would have fail to show this case. In an XXXX action, XXXX XXXX XXXX XXXX ordered that XXXX judgment vacated and the record sealed, which was reflected in the record shortly thereafter. My examinations of the records as of XX/XX/XXXX confirmed this, as did XXXX, a clerk in the Circuit Court records office in an in-person visit that day. The Cook County Clerk can confirm this to you, as well. Logically, therefore, the only way that Transunion, and thus XXXX, and in turn XXXX, could have displayed such a judgment is to have re-copied a report run some time previously. The credit check charge was {$130.00}, plus a {$400.00} administrative fee which I was told would be refunded " immediately '', but now am told may take up to a month. This fraudulently-represented non-report has been costing me more than {$240.00} per day in time lost from work combined with continuing temporary housing expense. They have defamed my character. Several properties would like to rent to me now, based on no criminal history and adequate credit scores, but can not until such time as this situation is rectified. Both XXXX and Transunion and XXXX have the documents from me proving that this {$5000.00} settlement no longer exists, but do not as yet have an end date to remedy this. But meanwhile, I am technically homeless, my XXXX XXXX job made difficult, and XXXX 's fragile health is threatened.
My bank this morning dispersed $ XXXX.from my bank account, without my permission. They made a {$2500.00}. wire transfer payment on a bill with a balance of {$150.00}. 
The recipient/XXXX knew the payment was in error and has voided the check.Bank of the West Type to enter text is doing nothing to restore that money to my bank account, leaving me overdrawn several thousand dollars! After many hours investigating what could possibly have happened, I believe was caused by an error Bank of the West processing center. 
The Bank is doing nothing to help me even though I notified them at XXXX of the problem. 
Their Customer Service keeps wanting to make it my fault! 
My account is now overdrawn several thousand dollars and I can not pay my bills withdraw any money!. 
Type to enter text
Repeatedly calling my personal AND work phone, threatening " action '' if I do not call them back.
I received a phone call from my lender Cornerstone Home Lending and they told me they would no longer accept my payments. Over the past year I have been paying my house payment bi-weekly and have made 26 two week payments. My lender told me I could no longer do that and if I did my payments would be returned to me. The only way they would honor a two week payment was if I signed up for a program they had and that my mortgage payment would have to be direct deposited to Cornerstone. I do not want to do this because it prevents me from having financial flexibility. I feel Cornerstone Home Lending is using predatory strong arming because I am financially responsible. The fact that I will pay my mortgage off early incited them to threaten me to no longer accept my bi-weekly payment. Cornerstones policy regarding partial payments is the following. " The disposition of a partial payment received may depend on a number of factors including but not limited to : the amount of the partial payment, whether your loan is delinquent, the investor of your loan, whether your loan contains an escrow feature, the number of times a partial payment was received within a 12 month period, whether your loan is being or has been modified. For Any of these reasons, a partial payment may be ( XXXX ) returned to you, ( XXXX ) applied to your loan, ( XXXX ) accepted but held in a non-interest bearing unapproved funds until you send us additional funds sufficient to equal a full periodic payment due. '' Over the past twelve months Cornerstone has been accepting my bi-weekly partial payment but now I am being to they are no longer going to honor that payment process. Cornerstone is changing our agreed upon payment process. They have decided to change their decision without me agreeing to it. I see it as I have made 13 house payments in a twelve month period and they have accepted everyone of those payments. They are applying a rule meant for individuals who have a hard time meeting their financial obligation to my situation which is the exact opposite.
XXXX XXXX XXXX XXXX has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX has inquiry on following date that I dont recognize and didnt authorize and this is on my XXXX credit report. 
XX/XX/XXXX Capital one has inquiries on the following dates that I dont recognize and didnt authorize and this is on my XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX
I have bank statements, back to XX/XX/XXXX, that show that I have paid American Education Services ( XXXX PA ) {$68.00}, XXXX ; yet their on-line statement shows that I have only paid a total of {$30000.00} since XX/XX/XXXX. Additionally, an AES Financial Transaction Statement, that I obtained from them, shows that I paid an additional {$8200.00} between XX/XX/XXXX and XX/XX/XXXX ; although I do n't believe it reflects proper credits. In short, I have proof that I have paid {$76.00}, XXXX to AES, while they show only {$30.00}, XXXX paid ; a difference of {$45000.00}. Moreover, the AES Financial Transaction Statement is replete with erroneous late fees, which should not have occurred after I signed up for automatic payments. 
Finally, I am a XXXX veteran with XXXX and this situation is materially contributing to additional XXXX affecting my overall XXXX health.
Transunion, has been advised, and I have tried to remove multiple names reported on my credit report. I do not go by any of these and never have. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. The only way I spell my name is XXXX XXXX. I have tried to delete these as well as contacted Transunion to delete them. After several attempts I have had no success.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # which you claim my account was charged off $ This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : - 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club,  etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
Another Junk debt buyer Diversified Consultants who can't send a valid complete comprehensive chain of title from XXXX XXXX XXXX who they alleged gave them permission to pursue this debt. XXXX XXXX XXXX was being paid monthly for this bill and they tried to take money from my bank account three times in one month and the next month they put my account in collections. They violated the Fair Debt Collections Practices Act. This company has failed to show a signed contract. Moreover it doesn't show the terms of the contract so without those terms, any interest or fees would be unsupported evidence. And seeking interest or fees without a contract is a violation of the Fair Debt Collection Practices Act. Another debt collection company engaged in illegal collection practices.
I went to finance a puppy for my family. I have fairly good credit and I bought this dog to surprise my children and wife. The pet store recommended a financing company they said was great to use. I applied and was approved, and they said my interest rate was low due to my good credit. I signed the paperwork digitally, and this filled my signature in all over a document and that was where the nightmare began. They sent me a copy of the contract and it said I LEASED this dog and I did n't own it unless I pay it off early in a lump sum of XXXX, or I make 24 payments of {$170.00} and then a final payment of {$260.00} to own the animal ( roughly. ) In the pet store I paid {$170.00} which did n't go towards my financing. <P/>I was told it was a LOAN and that I would own this animal. After looking up the financing companies this pet store recommended to me, I saw that they are all part of one big company called Monterey Financial. All in all after all the payments are said and done I 'll have paid somewhere around {$4300.00}.
Hello, I have recently made payment arrangements to this company who promised to get me immediate student loan debt relief and have a monthly payment fee of {$0.00}. Before any further action is taken, I have been asked to pay high fees in advance of {$200.00} a month for 5 months. Out of desperation I agreed because this was a referral from a friend of ours and I really needed help dealing with my student loans.   The company I am talking about is Helping Hand Consultants :  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , California,  XXXX  ;  XXXX   XXXX   XXXX . They ma naged to get direct access and control my Federal Student AID a ccount, while sending all my information to  XXXX  in which I was completely unaware of.    XXXX  is currently being sued by the CFPB for illegally cheating borrowers, and right now they constantly send me letters asking for payments on my federal student loans. I refuse to make payments through a loan servicer accused of illegal activities.   After doing research through the department of education, I realized that all the actions this company has been doing supposedly on my behalf can be done for free. Applying for student loan forgiveness and getting my student loans consolidated should have been free using  ED 's  free resources.   Helping Hand Consultants have been giving me lots of mixed answers to my question. I requested copies of documents that show proof of the new monthly payments for my student loans, but never received them. Eventually, I have been told by a different agent there that all my paperwork are to be received from  XXXX  from now on.   Please advise as to what I must do to resolve this issue.