WillisBack/dataset-financial-user-claim huggingface dataset:
I am trying to open a my social security account and I ca n't because of Experian. I was told by the Social Security administration that the accounts are handled by Experian. After doing some research I found out that if you have a security freeze or fraud alert on your file that you will not be able to open up an account. I really need to open the account so I can check my XXXX status. I never asked Experian to add a fraud alert on my file, they did it without my permission. Please help me rectify this problem.
I sent in 3 dispute about items on my credit. I for a copy of the original contract for about 90 days. They will send me copy or proof with my signature on it. 
XXXX I sent dispute on XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and {$520.00} XXXX XXXX XXXX Trans Union I sent dispute on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and $ XXXX XXXX XXXX I sent dispute on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX .
I have opened a short sale and submitted a complete file as of XXXX/XXXX/16. To date, US Bank can only tell me that the file is stalled in quality control. XXXX, huh? Ten weeks in quality control!
Received a voicemail from the telephone number XXXX and this is what it stated " Hi this is XXXX XXXX calling with the Department of Civil Processing here at XXXX XXXX XXXX. I 'm calling for ( my full name ). ( My first name ) This is your final notification regarding case number XXXX. Now due to your negligence to respond and attempts we have made to contact you, the Department of civil processing is now deemed you non-compliant in our district policy at this time you will be placed on a schedule for your hearing. We hearing back later at ( my address ). You will have to sign for them and appear. Any questions or concerns I can be reached directly at XXXX. '' This is the 2nd voicemail this week from different number and I also received a text message with my ssn from an XXXX number, stating I was going to have legal actions against me. This is becoming a weekly ordeal as well as they are calling members of my family by getting their phone numbers from online.
I 've been requesting a mortgage modification with the mortgage company Select Port Folio for several years. I finally received a modification/ assumption I made the first payment XXXX XXXX, 2017. I recently received correspondence from SPS stating they had not received my signed modification documents of which was sent back to them XXXX next day delivery.ThXXXX invoice for associations dues was forwarded to SPS and requested to be paid current as a part of the assumption/ modification. I have been given the run around with this mortgage company. I would appreciate your immediate attention in this urgent matter. Correspondence was also recently received stating they were referring my home to foreclosure as a result of the delinquency. They also stated they would not be applying funds received in the amount of {$2100.00} to the account. I would appreciate your immediate attention in this urgent matter. We also spoke with several SPS relationship managers I was informed I had to take Hud Credit Counseling. I 've owned several homes mortgages were always current. My ex-husband was responsible for the mortgage and he never paid it. See Attachments
I took out a pay day loan XX/XX/2016 and I had surgery XX/XX/16 & XX/XX/16 which I became XXXX. I had every ententes to repay this loan but I became XXXX  with my XXXX  kids for almost 2 years. Now this company is harassing me, threatening to sue me, threatening to come to my home, threatening to come to my job, and continues to harass me on my cell while Im at work. I explained that I was willing to pay my original loan off but they want to charge me over {$700.00} or threaten to sue me. These harassment calls need to stop. This is a party acting on behalf of ACE CASH EXPRESS! They called me from XXXX and XXXX.
I changed banks to XXXX, a division of XXXX XXXX. Since I did that, Target Card Services has failed to post payments even one business week after the bank shows that the payment cleared. For example : a payment was made on XX/XX/XXXX. The bank shows that it cleared on XX/XX/XXXX. Today, XX/XX/XXXX, Target Card Services shows that the payment was made and shows the date it was made, but there is no corresponding adjustment to available credit. I see this and it looks like there was a problem with the payment. 

Even worse, a statement issued by Target Card Services on XX/XX/XXXX, the day after the bank shows the payment as cleared, DOES display a corresponding adjustment to available credit. Either I ca n't trust the online information, or I ca n't trust the statement, because they do n't agree. 

I have both called and messaged Target Card Services. Both times they cheerfully told me that I could resolve this right away if they could conference in my bank and get a confirmation that the payment ( which cleared a week prior ) actually cleared. WHAT? How are they verifying payments, XXXX XXXX? I need to conference call my bank? They did n't even offer a date for when the payment would clear if I DID N'T conference call my bank. 

This problem never happened when I was still with XXXX XXXX XXXX, but since XXXX XXXX XXXX was insanely fee-heavy and impersonal, I left. This problem also does not happen with any other credit card companies, including XXXX XXXX XXXX - it is only happening with Target Card Services. 

To add insult to injury, when I tried to reply to their completely unsatisfactory online message, the messaging system crashed. I 'm sure that was a coincidence, but I lost the lengthy reply I had composed, so it certainly did n't help.
On XXXX XXXX, XX/XX/2015 I filed a complaint with CFBP ( Claim No. XXXX ) against Enhanced Recovery XXXX and another XXXX on XXXX XXXX, XX/XX/2015 ( Claim No. XXXX ) Which claim to collect a debt for XXXX XXXX CompanyAfter contacting XXXX parties and requesting for additional related documentation materials associated with this account from XXXX XXXX that would help to substantiate such claim XXXX parties have failed to provide me with the documentation til this date. I have request the following Documents such as ; Billing Statements, Payment History, Contract agreements and have never received them. In order to resolve this issue Enhanced Recovery XXXX made the following statement in their last response to CFPB : In an effort to resolve XXXX XXXX ' concerns, our agency has submitted a deletion request with all credit reporting agencies associated with the account and our office on XXXX XXXX, XX/XX/2015. Please allow up to 30 days for the credit reporting agencies to process our request. Our agency will have no further contact with XXXX XXXX regarding this account. In order to make our client aware of XXXX XXXX ' concerns, our agency will forward this complaint to our client XXXX XXXX. 

Since that time Enhanced Recovery XXXX have Submitted the deletion request to the following Credit Bureau 's ; XXXX and XXXX but have failed to submit the request to XXXX and the negative Collection account still remains on my credit file with this Bureau. 

Enhanced Recovery XXXX needs to follow through with their promises and also request the deletion with Experain as well.This account does not belongs to me. I have not, and never have had an account with XXXX XXXX Company
I applied for a modification for my home and signed a final agreement several months ago and the bank just informed me that the amount of repayment is going up from {$980.00}. to {$1200.00} per month. This is short of a few dollars of {$300.00} increase. I absolutely can not make that payment. I have been consistently paying {$980.00} since XXXX XXXX this year and this is the payment that fits my budget. I am not able to make payment for anything more than that. It appears that the tax arrears were not rolled into the modification, which was my understanding would happen.
14 days prior to closing the loan officer ( Bank of America ) stated they made a mistake and we needed to wipe all debts and come with an additional XXXX to closing. Had to liquidate all assets and loss all future investments in 401k. 

Bank of America made a mistake and was double dipping on tax and insurance on current mortgages.
Submitted a previous complaint on this company and have provided verification/documentqtion that I do not owe this debt. I have asked to not be contacted but I receive at least 2 calls per day from the Debt Collector and at this point I am deeming it harassment. I am wanting them to know that I will pursue legal action for harassment should their communication attempts with me continue. Should they need further documentation/information they need to contact the original creditor and NOT me. Thank you.
I would receive multiple calls while at work at the most inconvenient times from ccs. I finally got tired of the constant harassment and rudeness from the company so I decided to settle with the company, they told me i owed debt with XXXX XXXX XXXX and even though the information provided to me didn't seem to register with me I reluctantly paid the settle amount. After some time had passed and with much thought I decided to call and ask questions about this debt because I don't ever remember having auto insurance with XXXX. I reached back out ccs to ask questions and the dates the company provided me with didn't seem right because I knew I didn't own a car or have a car in my name at the dates ccs was saying I had auto insurance, so after going back in fourth with ccs and coming out even more confused. I decided to contact my transportation cabinet to see if I owned a car on the dates ccs said i had car insurance. Ccs said that I had auto insurance with XXXX from XX/XX/XXXX to XX/XX/XXXX. I have uploaded documents from my transportation cabinet with all cars I've had in my name and high lighted dates registered I never owned a vehicle on or around XX/XX/XXXX to XX/XX/XXXX as shown from the high lighted dated documents. This company ccs has scammed me out of money, they have no documents with my signature on it saying that I signed up for auto insurance with XXXX and also are reporting this on my credit report.
My bank keeps charging me fees of {$34.00} and it is becoming too much, if the money is not there they should just bounce the check, or take it from another account as I thought that is what we agreed to do.
Around end of XX/XX/XXXX, we made a reservation for kitchen gas stove top repair service for XX/XX/XXXX Saturday appointment. The merchant guarantee that there would be no fees collected if repairman can not make the appointment. On Saturday, repairman couldn't make it, so  reschedule for the following Monday, then canceled and reschedule for the follow Wednesday. The repairman finally came to our house for checking our gas stove, and he said he needed to order several parts from the manufacture ( XXXX  ) and promised to provide us with quote. He provided us a quote for almost $ 1K, and we decided not to get the repair service instead we ordered a totally new gas stovetop from a local store and installed it.

During our credit card reconciliation, we noticed that that repair man charged {$100.00} for the first visit, which should've been free according to their guarantee. So I tried to contact the merchant several times without success, so I opened a credit card dispute with Chase Credit card. The customer service called me and I explained what happened, and they tried to contact the merchant while I was on the phone to resolve, but merchant was not responsive. So I kept explaining what happened with the merchant, but the customer service needed to get more details. Few days later, Chase Credit card dispute team left a voice message so I called them back several times, and left voice message for further detail information like date of the first visit of the repairman, etc. After that I never got their response back. So I was waiting for the resolution, and yesterday XX/XX/XXXX, I received a letter from the Chase that they found no evidence of billing error and closed the case in favor of the merchant claiming that they sent a letter for further information, but I have not received the letter. I fully explained what happened with the merchant, but they didn't seem to understand what's going on. I voiced my frustration of their dispute process, but they kept saying the definition of " service '' I received. Merchant clearly guarantee that the first visit would be free if their repairman can not make the appointment.
My personal and business accounts were suddenly closed for no apparent reason at my bank. I was given less than 30 days to respond to this action. See attached documents.
On Friday XX/XX/18 I got copy of me credit report and notice some things on my report that I didn't apply for. I called credit bureau and told them about my credit, and they said they would take it off, but when i got a copy of me undated report the inquiries were still on.
I have submitted all the paperwork requested in XX/XX/XXXXand XX/XX/XXXX. I resubmitted all this paperwork after I learned by accident that Carrington had rescheduled the foreclosure of my home of 29 years.
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This process started with XXXX XXXX XXXX and my loan was transferred to Carrington in XXXX. This never ending submission of forms have been going on for 5-6 years while I live in fear and XXXX.
I did not give the original creditor permission to share any of my information with this company, I also do not owe this company any money. I have sent letters also called for this company to remove this debt from my credit which is causing me not to be able to buy a house, this company is harassing me for a payment I do not owe them.
Please direct this to XXXX XXXX XXXX office, executive board at Chase. The USDJ/FBI has background, XXXX, IRS estate tax proceeding obstacle as to why my XXXX lifetime credit score was impacted, beyond control. Very complex. 

Recently, opened a Chase Account -- Intend to make good XXXX day. I have appreciated the credit card for personal, trust and businesses. Wish to restore honor, now and to the future. 

QUESTIONABLE CHASE EMAIL : This morning, an insufficient funds notice was received -- XXXX -- XXXX/XXXX/XXXX. 

I went to check an ATM -- plenty of funds. 
Hundreds. I carry figures in my head -- along with on-line banking. Daily, I know how much approximately is in approximately XXXX business or trust/ personal accounts. It may be that Chase is too slow at registering deposits as it appears this is a real error on Chase 's calculation -- which may XXXX day clear. Today, plenty of funds. No reason for the insufficient funds email. 

I believe that Chase downloads with many transactions that can be pending for days, to include cash deposits could be greatly improved in speed. 

This has happened at Chase Prospect/ database, as well as in XXXX XXXX I believe that, as an example, if a client withdraws {$100.00} cash from the ATM -- overnight calculation is quick enough across the board. It seems that when the statement of XXXX last transactions is printed sometimes at the ATM, there could be a list of " Pending Transactions '' that one would have expected to have cleared days, maybe even a week or more ago. This may be a setting in the computerized system. I enjoy having the convenience of several bank accounts, with different banks.
Over a year ago, I got hurt at work. I had to have surgery and was out of work for 5-6 weeks. That 's when I fell behind on payments. XXXX XXXX was my mortgage company. It took me 4-5 months for them to finally agree to a payment plan. I was making payments to XXXX XXXX, then they sold my loan to Pennymac, unknowingly to me. I continued to pay XXXX XXXX. After a couple months a rep. for XXXX XXXX informed me of the sale of my loan, and provided me the contact number for Pennymac. I contacted Pennymac, but they had no information on my repayment plan. As of now I am showing delinquent for 6-7 months. Pennymac tried to get me to agree to a repayment plan of {$2000.00} a month. I can not afford that. As of now, I have sent into Pennymac XXXX loan modification packets. The first packet I faxed in 3 times, then I mailed it into Pennymac. They never received it. Which was around XXXX. The second packet I faxed in as well, Pennymac said they received it. It was sent on XX/XX/2015. Every time I called to check the status of it, I was told it is still in for review. 
I received another packet, to fill out, from Pennymac on XX/XX/2015. I called Pennymac asking why I received another packet when I had XXXX in for review. I was told that my packet was missing forms, and it had outdated dates. I was never informed about missing documents or outdated signatures. 
I have now submitted another packet on XX/XX/2015. I have received another phone call from Pennymac, that I 'm missing documents. 
I am currently waiting on Pennymac to send me an email, stating what documents are missing. 
I feel that I am being discriminated against for being delinquent. I feel that Pennymac wants me and my family out of our house. Even though I have sent everything they have asked for multiple times. 
Any and all help would be greatly appreciated. Thank you
I did not receive a XXXX bill for my Target store card. I called to request a statement. When it arrived, they had added a {$27.00} late payment fee. I submitted a billing dispute for the late fee and included a check for the {$190.00} undisputed portion.
They have acknowledged receipt of my dispute and the check has been cashed at my bank. However, they did not remove the {$190.00} from my account and have continued to levy interest and late payment fees as well as sending a threatening collection letter.
I disputes the incorrect information with transunion on multiple occasion and transunion refused to investigates.
Transunion always replied to me that " dispute not specific ''.
I am sure that Transunion did not even investigate and now I demand they deleted those information on my credit report. The following were disputed and with certainty that Transunion did not disputed them I want transunion to deleted the following account according to FCRA statue.
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX.
XXXX XXXX
I recently checked my XXXX card and my credit report, and noticed that EVERY time I made a payment, my credit report always showed me at max limit. My opening line of credit was {$1900.00}, now it 's at {$1600.00}. So whenever I make a payment. my credit limit is decreased which makes my credit score lower. I WAS NOT NOTIFIED OF THIS ACTION AND THIS IS UNETHICAL! 

XXXX needs to fix my history regarding my credit report. I should not be showing MAXED out credit becasue they have chosen to lower my limit with every payment. I believe this may be against the law. I need this fixed immediately and I do n't know how they are going to do it, but I do not want my card closed or frozen. I want my credit limit raised enough to show that I am indeed NOT maxed out on my XXXX card.
My Experian Credit Report shows inquiries made by XXXX XXXX XXXX, XXXX XXXX, XXXX DE XXXX on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I did not authorize any of these inquiries. I have never had any account or relationship with XXXX. 
I inquired with XXXX at XXXX XXXX XXXX XXXX and was told no records of these inquiries exist.
Made purchase on account dated XX/XX/XXXX for {$140.00} which is not interest free. However, made payments of {$90.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX which more than covers the amount of this purchase mentioned above. However, Klarna still decided to charge me interest on XX/XX/XXXX for {$2.00} and XX/XX/XXXX for {$2.00}. I should not have been charged this, the only other purchase on this account is a promotional purchase expiring XX/XX/XXXX.
I received a demand for payment from a company requesting payment in the amount of {$1500.00}. I have not ever received any services from this company.
XXXX BANK SOLD THIS LOAN TO CALLIBER HOME LOANS AS OF XXXX. THE HOME HAD A SET SALE DATE BY XXXX. XXXX FAILED TO INFORM THE CUSTOMER ON XXXX WHEN THEY SPOKE TO XXXX XXXX THAT THE LOAN WOULD BE SOLD AS OF XXXX. FURTHERMORE, XXXX FAILED TO SEND THE MODIFICATION PACKAGE TO THE NEW LENDER CALIBER HOME LOANS. IT TOOK CALIBER HOME LOANS XXXX DAYS TO " BOARD '' THE LOAN. THE MODIFICATION PACKAGE WAS ALSO SENT TO CALIBER HOME LOANS, BUT SINCE THE LOAN NUMBER WOULD NOT BE GIVEN, CALIBER DOESNT KNOW WHERE THE DOCUMENTS WENT. 
" IF THE LOAN NUMBER WAS NOT BOARDED, THEN THE DOCUMENTS WERE IN LIMBO '' STATED BY SUPERVISOR XXXX WITH CALIBER HOME LOANS. 
THERE IS NO EXCUSE FOR XXXX NOT TO HAVE SENT THE COMPLETE MODIFICATION PACKAGE TO NEW SERVICER. 
THERE IS NO EXCUSE FOR THE NEW SERVICER TO HAVE A SALE DATE SET IF THEY DONT HAVE THE LOAN SET UP. XXXX DAYS AFTER THE TRANSFER OF THE LOAN, THE LOAN WAS FINALLY SET UP BUT THE SALE DATE WHICH IS STILL SET FOR XXXX DOES NOT GIVE AMPLE TIME TO REVIEW THE LOAN FOR ASSISTANCE PER CALIBER HOME LOANS. CALIBER HOME LOANS HAS STATED THAT THEY ARE LOOKING INTO THE DOCUMENTS WITH LOSS XXXX AS WELL AS REACHING OUT TO XXXX. THE INABILITY OF THE LENDERS TO MAINTAIN A FILE IS INEXCUSABLE. CALIBER HOME LOANS STATED THEY DID NOT RECEIVE THE DOCUMENTS WHEN SUCCESSFUL FAX AND EMAIL CONFIRMATIONS WERE KEPT AS A RECORD. 
FURTHERMORE, CALIBER HOME LOANS FAILED TO SEND THE HELLO LETTER WITH THE NEW LOAN NUMBER, AND WERE ONLY ABLE TO PROVIDE THAT INFORMATION AS OF THE XXXX DAY. 
AT THIS TIME WE ARE DEMANDING THE POSTPONEMENT OF THE SALE DATE OR XXXX XXXX WILL ASSERT HIS LEGAL RIGHTS NAMING BOTH XXXX AND CALIBER HOME LOANS AS DEFENDANTS. 
XXXX AND CALIBER HOME LOANS ARE DISCRIMINATING AGAINST XXXX XXXX BASED ON RACE ETHNICITY, MARITAL STATUS, LANGUAGE, AND THE FACT THAT XXXX SERVICERS CONTINUE TO FORECLOSE AFTER THEY CONFIRMED THE HOLD UP AND GRAY AREAS WITHIN THIS SITUATION ONLY CONFIRMS THIS ALLEGATION.
This complaint is linked to complaint # XXXX about WELLS FARGO BANK. I received a written letter from Wells Fargo regarding my original complaint number assuring me I would have the {$200.00} checking account bonus deposited into my checking account by XX/XX/18. I also spoke with the XXXX, New York bank manager. He contacted the " resolution '' team who promised that the {$200.00} bonus would be deposited into my checking account by close of business XX/XX/18. 

Apparently, the " resolution '' team does not honor its promises and WELLS FARGO does not comply with its own agreement. 

WELLS FARGO is guilty of unfair business practices that need to be stopped. They promise bonus money to get more customers to make their " numbers '' look good..but they do not honor their agreements. I just want the {$200.00} checking account bonus money I am entitled to.
Chase reported mortgage delinquent between XXXX and XX/XX/2017. This 90 day delinquency caused credit to score to drop dramatically