WillisBack/dataset-financial-user-claim huggingface dataset:
These people keep leaving written notices on my door to contact the Mortgage company ( Carrington Mortgage Services ) regarding another borrower 's mortgage ( XXXX XXXX ). XXXX XXXX lived in the condo directly beneath me in my building. <P/>I have contacted these people by phone three times now asking them to stop embarrassing me with these notices since the unit I live in was purchased with cash by the XXXX XXXX XXXX and there is no mortgage. I have explained to them each time that the unit in question is the unit directly below mine. The phone number on the notice is XXXX I just received another notice today. I receive one of these embarrassing notices taped to my door every few weeks. <P/>Please understand that since this is someone else 's debt ( entirely unrelated to me ), I am unable to provide account information, amount owing, etc.
i reported this account as fraud to continental finance back on XXXX 2015 as fraud and they sold this fraud account to united debt holding and this account shows on my credit reporting file as charged off and it should not, i have disputed this numerous times as fraud
This is in reference to # XXXX that has been closed. Experian indicated that they are in the process of removing XXXX XXXX XXXX from my credit report. They have declined to remove the name XXXX XXXX XXXX from my report. Again, I have never been associated to anyone who has this last name. The other two major credit reporting agencies have removed this inaccurate information so why is Experian indicating they are declining to remove this? I would like further investigation and also for them to provide the information of whomever reported this. 
Thank you
I had XXXX XXXX bills that with XXXX and at the time I was un-employed and actively seeking work. They could not work with me on payments and thus turned over to CMS ( credit management services ). 

CMS never contacted me properly and I contacted them after finding it on a credit report. I was willing to make payments but they would only take payment in full and nothing else. If I had the pymt in full it would have never went to collections, as I acknowledge I owe the debt. I tried a number of times to rectify the situation ; however, they continued to tell me pymt in full only. I was then subpoena 'd by mail ( with no date or time information ) at the end of XXXX 2014. I called them immediately and stated this was un-necessary as I am willing to make payments. Yet again, payment in full only. I then asked when was I to appear in court and they stated they could not give me legal advice. I stated this is not legal advice as I only want to appear to defend myself. The were of no help and quite deceptive. So I obviously missed my court date and then received a judgement against me at the beginning of XXXX. I called them the same day XXXX received the judgement and I found out that XXXX again the only thing they will take is payment in full and they already know where I bank and have a court order to garnish accounts. 

I really feel that this is highly un-professional as I am willing to pay, but I have not options to do this in full. They did give me a suggestion to borrow from family ; however, you see I can not do that as my family is small and on limited income. They also asked me to get a loan to rectify the situation, but you see I have no collateral do do a loan and do not have the credit to do an unsecured loan, either. This really puts me in a bad spot and I was willing all along to make pymts. 

I feel this company is extremely unfair, unreasonable, and quite un-professional in how they conduct their daily operations.
Late XX/XX/XXXX " Corelogic/XXXX '' received my request for a security freeze on my consumer file and a release of my report to be mailed to me. 
They complied with half of that request, I have yet to receive my full consumer report. All I want is to have my report sent to me.
Portfolio Recovery Associates, which i hold no contract with & have never had any business affiliations with, reported a collection to y social security #. A debt in the amount of {$690.00}, has been reported to XXXX, XXXX & XXXX credit reporting agencies. I have requested validation of this debt on X/X/17, but Portfolio Recovery Associates have failed to respond to my request. And have yet to give any adequate proof.
GLOBAL RECEIVABLES SOLUTIONS SHOWED UP ON MY XXXX CREDIT REPORT. THIS COMPANY IS ILLEGAL AND CAN NOT LOCATE IT ANYWHERE. ( SEE MY CREDIT REPORT DATED XX/XX/XXXX2015 ) THEY RAN MY CREDIT ON XXXX/XXXX/2015 AND AGAIN ON XXXX/XXXX/2015 AND CALLED AND STATED THEY ARE TAKING OVER WEST ASSET AND GAVE A PHONY NO. XXXX, WHICH I CALLED AND IT WAS XXXX? THIS IS A FRAUDULENT INQUIRIES AND WANT RESTITUTION.
XX/XX/2018 - I always loved XXXX and bought all my furniture there in the past.

This time dealing with the XXXX XXXX furniture department has been an absolute nighrtmare. Not only the buying experience in the store and the mistakes made with the delivey dates, hours, measurement and color mistakes - but now they are charging me more than {$900.00} for purchases i returned. I made several purchases of furniture that were RETURNED to XXXX XXXX. They are still charging me for furniture that has been already returned or for fraudulent charges - as they can not provide, as of this date, any documentation or invoices of what they claim I owe. 

I am a XXXX XXXX XXXX and have wasted HOURS of my time trying to resolve this. 

i have now been on the phone with XXXX Furniture Department for several hours. XXXX is not resolving this and has threatened to release the call. I insisted that they put me thru to the supervisor and am now on hold waiting once again. They keep sending me back to XXXX XXXX - this is not a real XXXX card. 

I can not access any details of purchases on my XXXX account on-line - it states there is no order history. Completely non-transparent. There are no sales checks, dates of purchases that I can access. They are charging me for 2 separate special offer amounts of a 0 % charge with different dates. I will be happy to provide any details and amounts, but since i want to publish this publicly i prefer not to add those details to this complaint.

I only owe the most recent one in XXXX - I kept the sofa and chair and it is sitting right here in my living room. All the other furniture has been returned. They have confirmed that all the other furniture has been returned and they are claiming that they reimbursed me completely for it. Then they said that there erros were on their part, that they didn't completely refund me all the amounts. Then they said that they completely reimbursed me so I will not get my money back. For what? I clearly asked on the phone if they can provide me with ANY DOCUMENTATION whatsoever to prove that I owe them the money. They said can't. 

This is an outrage and illegal. I am on the phone and XXXX 's is not resolving AND XXXX is saying they can not resolve it. The call has been recorded. 
The representative, XXXX, has now stated that I don't have the right to record " us '' ( our conversation??? ).

I asked clearly for the documentation - any invoice, any salesbill, any evidence that I owe the additional promotional amount of nearly {$900.00}. She can not provide me with any evidence. This has has taken up hours and hours of my time and is clearly in violation of U.S. law.

I have no clue what the 2nd promotional offer with a different date and a balance of nearly {$900.00}. There is no paperwork trail. They can not tell me what it's for. I can not access the information on my account. 

Please help me. They now put me thru to XXXX customer service, which I already spoke with ( a rep in the XXXX, here in the U.S., many times ) and she states that she has to do a thorough research - which I have been on the phone for hours doing the very same thing.
I CONTACT THE  XXXX  CREDIT BUREAUS DO TO FRAUDULENT ACCOUNTS (   XXXX   XXXX   , A ND  XXXX   XXXX   XXXX   ) THE C REDIT BUREAUS GAVE ME NO VERIFYING PROOF. TH ESE TWO ACCOUNTS I GAVE NO ONE AUTHORIZATION TO OPEN THESE ACCOUNT IN  MY NAME. I NOTIFIED THE CREDITORS AND CREDIT BUREAUS THIS INFORMATION  XXXX  OF  2015.
I went to a XXXX XXXX store o purchase a prepaid netspend card to pay abill over the phone. When I trie to activate the the person on the stated she could not activate card do to a block. I ask her how could that be this is a prepaid card, I paid XXXX XXXX money to put on the card. She sayed it wasn, t anything she could do. Go back to XXXX XXXX to get a refund. I went back to the XXXX XXXX to get a refund the clerk stated that netspend had put a block on the prepaid card so I could, nt received refund. I call netspend back sh he stated she would release a check on XXXX/XXXX/2015 to waite 5 to 10 days. I d not received check in 5 days, so I call netspend back the person that answer phone stated she did not she wear it was a check mail to me. she stated she would issue the check the next day. To wait 3 to 5 day. It is XX/XX/XXXX2015. I still have not receive my owe money I paid to be put on this card. Everybody at netspend have been telling me a big lie every since XXXX/XXXX/2015.
I have been using TD Bank for a few years. I have found that in recent months the quality of service has declined dramatically. 
1. I had a debit card purchase and deposit on the same day just a few hours apart and TD processed the DEBIT before the CREDIT of the deposit. This is something new that I have not experienced before. Typically in the past all credits to the account have been processed first and then the debit transactions have been processed. When I inquired about this with the TD call center I was berated by the associate. She stated that I should have known that debits would be taken before credits to the account no matter if they are processed in the same day or not. She then said that she would be putting notation on my account that I was informed of this policy and that I could not use this excuse when calling the customer care line in the future. Of course, no one wants to have a fee assessed to their account but from time to time it just works out that I do have overdrafts on this account and I willingly pay the fees and never dispute them because this is a cost I am willing to pay to have all items clear the account, and I may make deposits on the account once transactions clear. In this case I was shocked to be assessed this fee and simply wanted information. The associate did remove the fee but only after scolding me and stating " You should have known, and now you do ; next time you will need to pay the fee. '' 2. I was recently in a branch XXXX XXXX XXXX XXXX XXXX and the teller was extremely unhelpful. I needed a bank issued check for a large purchase. The teller did not inform me of the cost of the banking item and when I filled out the withdrawal slip to have the check drawn from my account she yelled at me that there was a fee and I needed to add that fee into the withdrawal amount. After redoing the paperwork for the process I asked to speak to a supervisor in order to get more information about my account and the transaction I was processing. I mentioned that I was not happy that I was treated with such disrespect and that fees were not clearly stated by employees. XXXX can not assume that the consumer is aware of this type of fee as its not something that a common consumer needs frequently ( I do all banking online and at ATMs. ) The supervisor stated that is just the way the structure of TD Bank is set up and that the teller was having a bad day and that I could have looked up all this information online. He said, " sorry, but you have to excuse her she 's going through a rough time, here is your check, did you want anything else. '' I was pretty taken aback even in New York XXXX where customer service is typically quite raw, this was just terrible. I went home and researched the banking product fees and was not too happy to find that the TD Bank employees could have suggested several different products costing less and achieving the same result as the Bank Check. Poor customer service, sad that they are not honest about consumer options.
There was a fraudulent transaction to my personal checking account on XX/XX/XXXX.  Somehow, there was {$1500.00} taken out of my checking account from a bank teller in XXXX, Arizona. I live across the country in XXXX, NY and have proof that I was at work the day of the fraudulent transaction. I checked my bank info online on XX/XX/XXXX and immediately submitted a claim when their department was open that following Monday.. I have now filed a claim with Bank of America that has been denied, sent a re-claim with documentation attached. Still have not heard back or what type of direction the investigation has taken after no less than 7 calls to their department. No answer on while they denied my claim or answers on how they have investigated  claim. This should be an easy investigation by looking at the bank cameras at the time, date and location and noticing it was not me taking out the {$1500.00}.
In XX/XX/XXXX we bought a used truck from a big car dealership in XXXX Fl. They financed it with XXXX, big office in XXXX. The truck was paid off in XX/XX/XXXX. We have the title, someplace. In XX/XX/XXXX the registration had to be renewed, we could not do it on-line, as we had done for 10 years. I went to Florida DMV and they could not renew the tags because there was an electronic lien on the truck. WFS/Westlake financial services, we never had a loan of any kind with them, had placed a lien. We can not sell, donate, give away this truck or renew the tags with their lien on the truck. I called customer care (? ), was put on permanent hold, after endless transfers, they only wanted my loan number, don't have one, nobody knew about electronic liens, nobody had a name, was hung up on three times. My truck is being held hostage by WSF/Westlake financial services. At some point, I will get a bill to release the lien. If you are buying a car, motorcycle, anything, do not use WFS/ Westlake financial.
Capital one is refusing to remove a duplicate charge which has an identical amount from the same merchant. 
The merchant is XXXX and the amount is {$68.00}. See attached screenshot of account for further details. I 've spoken to them about this and they are unwilling to remove it.
US bank does not provide the deposit cut off times for its ATMs on its website, nor does US Bank customer service have or give out this information. Please see https : //locations.usbank.comXXXX. Try calling XXXX and asking for the ATM same day deposit deadlines, whether in general by location or by specific ATM. 
You will receive nonsense answers such as " there is no cut off '' " it 's up to each individual branch '' " the next business day ( with absolutely no definition of business day available ) '' etc. Needless to say, this makes it impossible to manage one 's account and cash flow and clearing of checks. Of course the ATM 's have same-day deposit cut-offs just like every bank does, I just have no idea why this information can not be revealed to the consumer in advance of driving to each and every ATM!!! I think US Bank is trying to promote confusion and overdraft fees by hiding this information from the consumer. All of the other banks that I 'm aware of, publish this basic required information for managing one 's account. Please see https : //www.wellsfargo.com/XXXX/ by way of comparison. I am thoroughly disgusted that a major bank like US Bank does nor provide required account servicing communications to its customers, even when directly asked.
I have graduate loans serviced through XXXX that I took during the XXXX school year. I began repaying them shortly after graduation and deferred payments for one year after going through a divorce. At the time I set up my repayment plan, I made it very clear that I was employed as a XXXX XXXX XXXX and planned on applying for PSLF. " Standard '' repayment was listed as a qualifying option. They enrolled me in that plan and I paid ( and continue to pay ) {$400.00} per month toward that plan. I got nervous at one point after hearing horror stories from colleagues that they had been paying into the wrong plan - so I called to confirm my eligibility. 

In XXXX of XXXX, I called to confirm that since I was in a " standard '' repayment plan that I was eligible. I confirmed my employer, and my payment type and was assured that was making eligible payments. 

It was not until XXXX of XXXX, after having my employer certified that I was notified that I was, in fact, NOT enrolled in an eligible plan. AND that in order to be, I'd need to pay a minimum of an additional $ 200+ per month and start over. That is not financially possible for my family, nor is it acceptable that if I DID enroll in this plan, I would pay off my loan myself and have nothing left to forgive. This has a tremendous impact on my family. I'm employed as a XXXX XXXX XXXX, so I'm not sure how they are calculating the Pay As You Earn, but they clearly do not have any idea what XXXX XXXX XXXX make. 

Additionally, I sent numerous messages back and forth with customer service reps through their inbox feature, and now those messages are no longer on my account ( that function longer exists ). 

I'm obviously livid and worried that I will be responsible to what equates to roughly {$25000.00} that I planned to have forgiven.
I asked for identity verification with Equifax. Even though I submitted an id and my social security number via fax 3 times I never heard from them. When I called they could never find any record. I sent in that information by mail and never hard from them. 
Even though I 've done everything exactly as I had been asked to do I can not get information as to what is in my records.
I had a XX/XX/XXXX chevy XXXX. I leased this vehicle XX/XX/XXXX for XXXX miles a year for 39 months. During the period of time I had this car, I had at least XXXX recalls, as well as a blown transmission only XXXX miles into the lease. Needless to say I have been disappointed. At my 36 month mark I decided instead of bringing back in for ANOTHER recall issue, as well as additional transmission issues, that I would return my lease early and ask for my last XXXX payments to be waived. I called customer service at GM financial, and I was told they could not help me, and that I needed to call GM corporate. I called GM corporate and they said I had to call GM financial. Round and round we go. 6 hours over several days on the phone and no help. I finally get a " ticket '' and was told to bring the car to the dealership, they will do a diagnostic, and my payments will be waived. I returned this vehicle on XXXX after being told by GM that if I return the car, they will waive the remainder of the payments. Please note at time of return I only had XXXX miles on the car. WELL below my lease allowance. Well, I got a kick in the face on XXXX, GM financial removes {$460.00} from my bank account for this car that I no longer have. I tried calling again, only this time to be transferred numerous times and hung up on. I was also told that " there are no supervisors to speak to, they are in meetings ''. My fear now is that not only am I out the {$460.00}, but that they will continue to charge me for 2 more months for a defective car that I have returned. I want my money refunded, as well as any future payments waived.
I borrowed {$800.00} from this company. I have paid {$700.00} ( {$130.00} first month, {$530.00} second month ) I called the company today and my balance is still {$800.00}. The company is charging me $ XXXX monthly to renew, not repay the loan. My payments are not being applied to the principal. I have spoken to a customer service representative and she stated that I agreed to the terms, so I must pay it. She offered no payment assistance, despite the fact that they just received {$530.00} The fine print of this contract is buried in numerous disclosures. The fees attached to this loan are horrendous. I was not informed that my  payments of {$530.00}. XXXX are actually loan renewals.
We are in the process of selling our home. During the title search, it was discovered Bank of America did not satisfy a deed of trust when we refinanced, so it appears to deeds are open. We started to call on XXXX XXXX to report the issue. After numerous calls for resolution and no response, we finally received a call that the issue was resolved on XXXX. However, it turned out the bank satisfied the wrong deed of trust. Due to the delay, the buyers mortgage company cancelled the closing and will not reschedule until approved. The expected closing date was XXXX, due to our house not being ready, we had to rent an apartment for one month at a cost of over {$3000.00}. Because our house is not closing, we are also going to be responsible for paying our mortgage with Bank of America. Because our closing appears to be pushed back until XXXX, the buyers can now cancel the contract and also attempt to come to us for restitution. During the process of trying to get this fixed, I have faxed in, and our lawyer has faxed in the documents to Bank of America 3 times. We even sent them a copy of the deed to be satisfied and they still did the incorrect XXXX. Because of the error, we are basically owing the equivalent of XXXX mortgage payments, plus our buyers are in a horrible position. XXXX last thing, the reason why there was problem with the original refinance was we were instructed to sign the documentation incorrectly and it had to be resigned a second time.
Equifax - XXXX submitted my-Name-address, current and previous-date of birth-ss # Equifax than presented me with XXXX multiple choice, " verification '' questions, none of which had anything to do with me. 
Clicking the " submit '' button routed me to an error message, saying I had to XXXX snail XXXX mail them copies of my IDs if I wanted my ( once yearly XXXX credit report. 
When I pay for my credit report, I only need a name and a ss #.
XX/XX/2018 I received a letter from XXXX XXXX XXXX in regards to a debt on a auto loan with a settlement offer which I paid and a promise to delete the account from the various credit reporting agencies. I was told it would take 90 days by XXXX to delete the account so far that hasnt materialized. I have also disputed the account through the various credit reporting agencies.
I am frusterated we are trying to work with the lender and are gettting no where. At some point I was offered a XXXX Trial Payment Plan for a modification, we made one payment and then I a hardship with repairing my car, we were unable to continue the remaining 2-3 trial payments, that became cancelled. 
We then contacted few non profit agencies, we law firms, paralegals and got some advise and free consultation however we re-submitted for a change in circumstance ( hardship request ) and have been told we don't qualify for a modification or home retention options until XX/XX/XXXX. 
We have been working with a 3rd party agency XXXX XXXX they tried to submit hardship documents and do an appeal and the results of the appeal are attached. 

Here is a timeline of whats been going on, on our account XXXX nos XX/XX/XXXX submitted XXXX bk filed XX/XX/XXXX in review XX/XX/XXXX denied and never got denial paperwork underwriter said send in appeal XXXX got appeal decision saying reapply in XX/XX/XXXX ( see attached ) We have been trying to work with Mr. Cooper since XXXX, we ended up filing chapter XXXX BK to save out home from going to foreclosure, however we got a new sale date coming up in XX/XX/XXXX. We don't have any liquid assets to bring the loan current, we just want to accept a capitalized mod, of flex mod programs specifically related to this investor so we can come current and make our trial payments continously. 
This is our home, our retirement for our children, I am terrified of loosing our home, I wish that the lender can review our updated income, assets, financials to determine we have a solid hardship and re-review this file again. We are seeking your help to determine what " home retention '' options will be availble for us, XX/XX/XXXX is many months away and we can not loose our home. Please help us escalate this matter