WillisBack/dataset-financial-user-claim huggingface dataset:
I wanted to write and voice a concern involving the banking practices of Regions Bank and possibly others. My mother had surgery on XXXX and spent 14 days in XXXX. During this time her home was broke into and her Television was stolen. Upon returning her to her home she wrote me a check from her Regions back account and asked me to cash the check and go buy her a new television. I pulled up to the drive through and presented the teller with my mother 's regions check and my driver 's license. I was informed that I would be charged {$4.00} since I was not a member plus I would have to come inside. 


My first concern:1. laws, rules/regulations that allow Banks such as Regions to charge a fee to cash a check that their customer wrote is not customer service. This ultimately will result in an increase fee to their members/customers. For example : when an individual pays for services with a Regions check, a non-member will have to charge an extra {$4.00} because it was written from a Regions bank account. if these fees generate XXXX to XXXX revenue per month, putting this fee back on the account holders will result in them finding other banks to conduct their business. 

2. Is This type of business conduct " Bank Bullying '' non-members are being strong armed/forced into opening an account with their bank requiring an minimum deposit or else face a fee. This state needs is tighter control, consistency and continuity across Alabama Banks. This type of fee is unreasonable and unfair.
Received a call from Credit Bureau of Lancaster ( XXXX ), Debt Collection Unit, on XX/XX/18, for ( what I believe ) is a medical debt paid more than a month ago to the original merchant. Don't understand why I am receiving a debt collection call, and I'm concerned that there is derogatory information that should not be reflected in my credit history.
I 've disputed these accounts several times and they keep stating they have verified them even after I sent a debt validation response from the data furnisher stating they have not reported any accounts to any credit bureaus.
Mortgage Company re-institute private mortgage insurance ( PMI ) after principal amount of loan has fallen far below the XXXX percent mark as required by law for PMI. No person answering or responding to any phone calls to know why the PMI has reappeared on the payments statement and explanation for " other '' on the payment statement
Navient/XXXX has made it virtually impossible to repay the principal of my loans. I have XXXX loans currently held by this company. I consolidated my federal loans with XXXX in XX/XX/XXXX. Since that time, my loans entered into a period of economic deferment and forebearance. The interest was capitalized and when those periods ended, the loans were repaid on time, every time. I had XXXX issue which led me to call Navient ; I was curious as to why my principal was not decreasing at all. I was told that I was paying late, which was untrue, statements prove it, but was told that if I was not paying XXXX days before the due date the payments were considered late. In addition, when I asked why Navient did not have an amortization schedule ( why was n't a portion of my monthly payment going toward principal and fees/interest ), I was told they always apply the payment to interest and fees first. No exceptions. This is in complete disregard to some of the information on their website. Essentially, in past years I have paid over {$700.00} per month to Navient and was lucky if {$11.00} went toward principal. I will freely share this information if requested. To highlight the problem, I originally got a consolidation loan for over {$37000.00} over XXXX years ago. I have been repaying on time ( excluding economic deferment and forebearance periods ) and yet, after all this time, I now owe over {$38000.00} in principal. This is XXXX of XXXX loans of similar size. I understand that interest gets capitalized, but these numbers seem a bit off and whenever I have called to discuss these matters, I have either been told I need to go into default or just treated like a criminal.
I had a vehicle and the loan company was XXXX XXXX XXXX. Back in 2011 approximately the vehicle without notice and owing only XXXX payment plus the current after that month due. They went to my job without warning to repossess my pick up truck. I called the dealer XXXX name is XXXX XXXX and explained the situation they were not helpful at all. 
I asked them to cancel the gap insurance and the warranty insurance. I was told that the money was to be applied toward the loan company. 
Left it as is. Then I received notice from the loan company stating that the vehicle in question was sold in auction and that I only owed XXXX dollars. then they send me another notification that it was considered a charge off. 
Then as of month ago my wife and I have been receiving threatening calls that we owed XXXX and that we could settle for XXXX. 
My wife explained the situation and the were threatening us for the total amount due, of which is inaugurate. The calls did not stop until we told them that we were going to file a complaint through the Federal Trade Commission. They were `very nasty towards my wife. 
They got to a point where every day they were calling my wife had to go thru a hard time of being blackmailed. Even when they told her that they needed the money right away. We explained to them that mount was crazy. They kept on calling until we told them we were making a complaint then they told her that the calls were stopping. I gather information that is relevant to this case Spoke to XXXX XXXX at Mercantile Adjuster Bureau he is the vice president XXXX Their number and address are as follows XXXX XXXX XXXX NY XXXX XXXX there is deficiancy of XXXX. When we received the auction papers thje vehicle was sold approximately XXXX keeping the gap insurance and the warranty. They do not want to go into details and told my wife that they were sending us a validation of the account their reference number is XXXX. XXXX XXXX XXXX account number XXXX. When I called them they had a recording the the debt is XXXX. 
This is a joke can not comprehend this at all and need your help figuring in a prospective that I can understand they can not come years and years the fact ant tell us this. Your help in this matter shall be greatly appreciated.
I attended XXXX XXXX, XXXX, NV XXXX, and received a private student loan with payments to be made to XXXX XXXX, during and after completion of my studies. I subsequently learned that my payment obligations have been transferred to Campus Student Funding ( CSF ), as a result of DOE finding XXXX was engaging in bad practices. Furthermore, I came across information that private student loans were to be discounted, yet CSF is still seeking the full original loan amount.
I contacted the Bankruptcy court about a bankruptcy thats showing on my credit report, that shouldnt be.. The clerk stated that they do not report to any of the Credit Bureaus or third parties. I disputed this with Equifax and they keep stated that it is reporting correctly, but have yet to provide the name and information of who they received this first hand knowledge from, to show that it is 100 % accurate.
Nationstar Mortgage and Trustees, XXXX, herein, NS and Trustees, have continued to proceed with unlawful foreclosure. Numerous attempts have been made by homeowners, by and through their advocate, with written, telephonic, electronic, communications. All reasonable and lawful efforts have been exhausted and litigation has been initiated as a unfortunate and unwanted, last resort. 
A rescission letter was mailed to alleged interested parties, Pursuant to TILA, 1605 et seq. see attached To date, no response has been forthcoming from NS or Trustees, as required by law and confirmed in U.S. Court decision, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : " In the case of TILA Rescission the issue is closed, to wit : the unanimous decision of the US Supreme Court in XXXX was that the statute is not ambiguous and thus not subject to interpretation by ANY judge '' and again in, Minnesota Supreme Court in XXXX XXXX XXXX , No. : XXXX : " Here again we have the application of the simple formula proposed by the Supreme Court of Minnesota, to wit : nothing plus nothing equals nothing. " NS and Trustees acting as debt collectors as defined in FDCPA, and in CFPB XXXX XXXX Brief No. : XXXX, have made false and misleading representations in their actions while attempting to collect on alleged debt. Homeowners relentless attempted to validate alleged debt, all of which is well documented. NS and Trustees were non-responsive and act with impunity against Homeowners and more importantly a blatant disregard and respect for the rule of law.
In 2009 my mom passed away and I received demanding letters from this attorney in my name. This was not my debt but somehow was in my name. I felt that my mom had taken out the cc in my name since she lived with us. Next thing I knew, after disputing this, they were suing me. I was still dealing with my moms death and the lady was nice when I called and said if I just signed papers to not go to court, they would work with me to get me a signature card to see what signed for hte card, So I did that and paid XXXX a month all the while trying to get a signature card. Next thing I know they are garnishing my bank account and I do n't even have a job. Everything we have is what my husb makes. I called and the lady then told me she did n't care, they were doing nothing but taking everything I had. I went to court and Freaney basically told me he was n't working with me, he could do what he wanted. I have sent letters and applied with the group to have the balance written off since it was not my debt. I ca n't even have a bank account because they will try to garnish it. They lied to me and tricked me into signing the judgement and had no intentions of getting me a signature card to see who opened the account. I have no money to try to fight it and I do n't even have a job. They were extremely deceptive and hateful on the phone and basically said they did n't care how I fed my family, they were taking my money and that was it and they did n't have to work with me. It has been a couple of years since they tried to garnish my account and I never heard back from the hardship papers i filed with them. I just need this to be over so I can move on without being afraid of the sheriff pulling in my driveway with garnishment papers.
On XXXX XXXX Discover announced that they would offer 10 % cashback ( doubles 1 year later to 20 % for new members enrolled in double promo which was me ) for all XXXX Pay purchases using a Discover card. Press release available XXXX I contacted them XXXX to ask about any transaction restrictions and advised there were none. Due to the incredible value of the promo, {$1000.00} cashback on {$10000.00} purchases doubled to {$2000.00}, I decided to buy XXXX Watch for nearly {$350.00} as it would be profitable. 

On XXXX, Discover changed the terms to exclude gift cards. They had 9 days of internet speculation and the promo was already live and then they decided to exclude gift cards. They did not, however, update their terms and conditions until later that evening. I have the original terms along with my XXXX conversation which I will upload. 

Further, on XXXX XXXX, they sent messages to many card members stating purchases we made contained a gift card and would not be eligible unless we provide a receipt to prove otherwise. There are many reports online of people who received these emails for purchases that did NOT contain a gift card. This means Discover is guessing based on transaction amounts and retailers and now, days short of two months after announcing the promo, expecting cardholders to have saved receipts we were not told to save. They are placing the burden on us. Guilty until proven innocent. 

In addition, Discover has no definition of what is a 'gift card '. I purchased some XXXX Cash Reloads which are not classified as gift cards and are used to load a XXXX account. 

So Discover has changed terms twice, once to exclude gift cards and now two months later to require receipts we were not told to retain. We only have 21 days to provide receipts. I authorized Discover to obtain receipts XXXX which they said may take 30 days. 

How can Discover run a promo that they do n't have the infastructure to support? If they ca n't prove a gift card purchase, they ca n't exclude it. If they want receipts, we need to be told to keep them. It 's just ridiculous and now I 'm out an Apple Watch and many transactions I did assuming I would get 10 % cashback doubled to 20 % because Discover has gone back on their word and been so incredibly unprofessional.
XXXX XXXX XXXX is showing up as a XXXX collection account on my Equifax Credit Report. It was showing on all three of my credit reports but XXXX and XXXX deleted the incorrect information from my reports but this continues to show on my Equifax report. I have disputed this over and over and given all of the information that I have gotten which is not very much. I called XXXX XXXX XXXX on XX/XX/XXXXat about XXXX while waiting for a doctors appointment spoke to a few people. ended up speaking to Mr. XXXX. He looked every way that he could in his system under my and my wifes social security numbers. He said you are not in our system. Which makes sense because we dont owe any money. We called XXXX XXXX XXXX again on XX/XX/XXXXand recorded the phone call. They looked up our social security numbers and said you are not in our systems if either of you had ever owed us money you would show up in our system. There is nothing that we can do for you. We disputed with Equifax and they say verified then the next time the added a statement. that is not acceptable. The original creditor listed on the equifax report is XXXX XXXX in XXXX OH. We did live in those apartments but our lease ended on XX/XX/XXXX. We did not owe them any money when we moved out. In fact they returned our deposit to us. When we called them they said that the company was sold in XX/XX/XXXXand they have no prior records. We applied to get an apartment they told us no because this was on my credit report. XXXX XXXX XXXX says I dont owe and there is nothing in their system but somehow this was reported to the CRAs. Equifax says verified. We have been fighting to have this incorrect information deleted for over 6 months with no help from XXXX XXXX XXXX or Equifax. XXXX XXXX XXXX says they cant help me but from what Equifax Says they reported and verified the collection debt. We have put earnest money down on a house and are scheduled for an appointment with our Mortgage Lender on Friday XX/XX/XXXX at XXXX. And this will affect our getting mortgage and the kind of rates we are offered.
I never gave this company permission to contact me at my current place of work and they constantly harass me at work or at home and when I tell her I do n't have the money she threatens to involve the cops when I have done nothing to get me thrown in jail.   XXXX   is rude in how she goes about charging her customers because I 'm not the only one who has had this experience with her, she also told another client she had that she did n't want her to lose her papers because " she knew she was trying to get her papers fixed '' when the person in question was born in the United States. If I tell her that I do n't have money she gets mad and tries to make her own date to make me pay.
I would like to post a statement on my Equifax credit report regarding an adverse report.I have contacted Equifax in writing. My letter was opened, sealed back up and returned to me without comment. I have tried to call them repeatedly and am constantly disconnected without speaking to anyone. There are no instructions as to how to post this statement on their website.
Equifax did not protect my personal information ( name, addresses, financial account information, social security number, date of birth ). I never authorized Equifax to collect or store any of my information in the first place. However, once they collected my information, they did not take appropriate measures to prevent others from accessing it.
XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated. date opened is wrong. lots of things wrong on the report
I went to hospital on XX/XX/2017 and Never got treatment or advice and not even seen Doctor. I called Hospital and billing dept says we don't know about this bill for XXXX and told me I bill $ XXXX.I received letter from collection agency that I owed to hospital bill for doctor {$1000.00} I disputed to and spoke to XXXX and she did dispute as I told her. 

I called couple of months to collection agency the gentle men was very rude and he disrespect me. 
I dont know how the hospital or the collection agency charge me {$1000.00}. 

with out seeing doctor How they charge me doctor bill this looks fraud. 
No treatment not even any advice from hospital. 
Please solve my problem the collection agency reported to credit beauro and because of this fraud my credit score went down and showing negative on my credit report. 
Please solve my problem I will be appreciate.
I am writing today in wish to gain your help. Presently I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a very important part in this procedure. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX  ) on XX/XX/2018 and I am submitting this to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
-After XX/XX/2018 XXXX XXXX did the loan modification for my real property XXXX XXXX XXXX XXXX XXXX , CA XXXX ( see XXXX   documents attached ) My account with XXXX  showing in current Credit report : -- Acc type : Revolving -- Terms : Revolving.

This is Not a revolving account, I can't take money out to use.

This report Hurt my credit rating and Fico core extremely
I received a copy of my credit report and discovered a tax lien. I disputed the tax lien and asked Equifax to verify the lien. Equifax updated the status of the lien as released. I called Equifax and spoke to a representative who stated they verified the information that I was disputing. XXXX XXXX of XXXX says it was obtained through a third party vendor, XXXX XXXX. I called XXXX XXXX and they reported because I have a security freeze they could not release any information on my credit report. Equifax LIED and said they verified information when they have not which is a straight violation of the Fair Credit Reporting Act.
Guaranteed Rate offered 3 %, 15 year and {$99.00} in points to refinance my XXXX home for a principal of $ XXXX and estimated value of $ XXXX. It was a good deal. The appraisal was completed 2 days before rate expiration at $ XXXX, 6 % lower than my initial estimate. I proposed a loan principal of $ XXXX, keeping equity healthy at XXXX %. Guaranteed Rate played brinksmanship with a late appraisal and then claimed they were not obligated to honor their 3 % offer and attempted to move me to 3.25 %. Guaranteed Rate did dot honor the offered terms all because appraisal was XXXX % lower than estimate. A clear case of bait and switch.
I filed a claim against american express because they never returned the funds that were in my account when my account was close, and I continue to file claims but i do not address my issues. My next step will be a lawsuit
I have a laundry list of complaints against multiple different creditors and credit card companies, against credit bureaus, against your agency and against the US government. 

The financial institutions are : 1. XXXX XXXX : They have suspended online access to my account, they charge excessive fees and interest, and they have made it almost impossible to actually pay my bill. I have a balance of around {$1700.00} with them and I can not even pay my bill online and they might have even returned or refused to accept a payment from me. 

2. Ditto for Barclays Bank. I can sign on, but I think that they actually returned a payment from me. I am over my credit limit, and I sent them a cease and desist notice and made all kinds of threatening statements to them in e-mails. I have been trying to pay off that debt and I am having trouble doing that. I have not even used that card for many months now, and they still charge me interest and fees. 

3. XXXX XXXX ( see my previous complaint ). I tried to reopen that account and they will not let me gain access to my old statements for tax purposes. 

4. XXXX PrePaid Debit XXXX. I could write an small novel about my experience with them. I melted my debit card with positive balance on it at the XXXX XXXX in XXXX, XXXX because I was so upset about having to deal with their customer service department. 

5. XXXX XXXX : Overall, they have been OK to work with, but they recently told me that I have to close out my account with them towards the end of this month.
XX/XX/XXXX Ocwen XXXX Department PXXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Re : Mortgage number XXXX This letter is to reiterate a challenge with the taxes on our property located at : XXXX, XXXX, New Jersey XXXX. 
We have XXXX lots of land with this property. When purchased in XXXX and since the inception of our mortgage, we have always had our taxes, insurance and premium combined in one payment. I realized a couple months ago that one of the properties taxes has not been paid for quite some time. We did contact the XXXX borough and Ocwen and we can not decipher where the problem began, what changed or more importantly how to rectify the problem. 
Seemingly, something happened ( not initiated by me or my husband ) where the taxes has not been paid or received by the city borough. Therefore, we feel it 's incumbent upon Ocwen and the XXXX to figure out what went wrong, when and resolve the matter. We have paid the mortgage amount given us with the all cost included and there is no way for us to figure it out. Since the XXXX and Ocwen have been exchanging funds, maybe you can find out when the amount changed and why. If there is something we can do to facilitate your research, we will be more than willing. This letter is being sent to all parties concerned, the FTC and CFPB. 
Please let 's all get together in some manner to figure this out without putting the full responsibility on my husband and myself. 
Respectfully yours, XXXX
Company is reporting on al l  XXXX   credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail Also sent me a letter in the mail from a lawyer who I do not have a contract with to pay Included all forms of communication in the below files, including the letter to the law firm. Also, the company is Synchrony Bank, Reports as Care Credit as well and now the law firm.
I would like to redeem my cash back of XXXX on my Citi card. However, I was told be an operator that I ca n't redeem something I 've earned. 
I was n't aware of a level that has to obtained before I can use them. 
I was n't told that verbally when I signed up for the card. 
My XXXX, XXXX XXXX and XXXX cards do n't have minimal cash back thresholds!