WillisBack/dataset-financial-user-claim huggingface dataset:
I had a total of ( 3 ) three student loans. According to my credit reports they are showing ( 6 ) six student loans, which makes it look as if I owe way more than I do and also shows late payments with all of them. All ( 6 ) six of them are showing different data with each credit bureau. I have disputed the loans for incomplete/inaccurate data. The credit bureaus just keep coming back as updated information. Nothing changing, Still showing ( 6 ) six student loan accounts when there were only ( 3 ) three. There are three ( 3 ) listed with Dept of Ed/Nelnet and, three ( 3 ) listed with US Department of Education. The two different named sets of companys are both reporting the same three ( 3 ) accounts.
XXXX and TransUnion Credit Reporting Agencies  are allowing two debt collectors to publish information on my credit report in violation of the Fair Debt Collection Practice Act. According to that " Act '' debt collectors are required to contact me first regarding a debt and allow me 30 days to submit a written request for validation of the debt. Both XXXX and TransUnion are publishing information on my credit report regarding a collection account owed to XXXX XXXX # XXXX in the amount of {$3100.00} ; however, I am not familiar with XXXX XXXX and I never received any notice of debt from the company before it was published on my credit report. I was denied my important rights under Federal and State law. I contacted both agencies to let them know that XXXX XXXX violated the law and denied me my rights under federal law but no action was taken. 

XXXX and TransUnion further violated my rights by placing a second collection account on my report that was placed by XXXX XXXX XXXX. This company did send me a notice of debt about 6 months ago and within 30 days I submitted a request for validation of debt, in which I informed the agency that I have never enjoyed a XXXX  account. XXXX did not contact me further, but recently in violation of Federal Law, XXXX placed a collection action on my account causing my credit score to drop.
XX/XX/XXXX I called Equifax to inform them they Had not updated my file since XXXX. They informed me they had incorrect DOB and address. Had me fax over my driver license, birth certificate, and social security card. Called them again in XX/XX/XXXX, I was told they didnt have any record of it. I faxed it again. Few days past I called again. And they told me they couldnt read. I then get a letter they have corrected my name, DOB, social security number and address. ( Letter was mailed to my correct address ) the letter has my social security number incorrect! Even after I sent a copy of my social security card. Ive called them 3 time now and they are telling confirmation number on the letter is not good. And they still have incorrect info and they want me to send them all documents again because they do not have any record of them nor the letter they sent to me.
In the process of selling my house and need a lien release from Bank of America. A formal request was sent on XX/XX/XXXX. Have a closing date of XX/XX/XXXX and they still have yet to send the release. They have been contacted numerous times by the title company, the real estate company and myself and so far no resolution. Time is of the essence because of nearing closing date. Bank of America has had ample time to send lien release that I may sell my house.
On XX/XX/2018, I opened a checking and savings account with SunTrust bank and was approved. I began receiving emails with my account information and instructions to fund my account. I just started a new job and was awaiting my direct deposit to hit the account to fund it. Every day since then up until Sunday XX/XX/XXXX, I received multiple emails to fund my account. The requirements stated that we had up to a few weeks to fund the account. Then on Saturday, XX/XX/XXXX, I received in the mail 2 notices that both the checking and savings accounts were closed and if it wasn't my request, to contact SunTrust directly. I contacted the customer service line on Monday, XX/XX/XXXX and was told it was due to bank regulations regarding fraud that they closed my accounts. I later received in the mail, a debit card, a debit card pin and a separate letter stating my accounts were closed by the SunTrust XXXX XXXX XXXX. I was not given an explanation of what might have happened, because I have not committed any fraud. I did get married in XXXX and my name has changed, but it's disturbing to be linked to anything fraudulent when you have not committed fraud. I understand that banks have the right o close accounts at will, but why open the account from the beginning and then suspect fraud as opposed to contacting the customer to ensure they've entered the correct information. Sometimes typos can look fraudulent, but it's just a average customer wanting to bank with a specific brand.
We have a buyer for a short sale at market value and XXXX banks, Astoria Bank and XXXX ready to give approval-as long as the other banks sends their written approval first! 
We are at a standstill for months, with the seller facing foreclosure-because both Astoria and XXXX are waiting for the other to send their short sale approval first!!! HeLP!!!!!!
Ocwen will not except my payments and they continue to add interest. I also lost my insurance which I had for XXXX years because of their faulty actions. I am also receiving misleading information. This is causing my home to be foreclosed.
I received an XXXX rewards XXXX credit card issued by Chase that i did not request. When i called customer service i could not speak to a person without entering the credit card number. I do n't want this card and refuse to enter the number into their phone system in order to avoid activating the card. 
I can be contacted via email.
All my medical bill should have been sent to Attorney XXXX XXXX not to the credit bureau
HSBC is continuing to initiate monthly transfers from my banking account after I closed my HSBC online savings account.
very very hard time to cominicate with Law Firm Collectors, I` ll pay off my colletions but wan na find out after that what is next step and who is going and how my credit report. Calling them numerous time and they hang up on me every time. Need help!!! Please!!
I cosigned a loan from XXXX XXXX XXXX XXXX XXXX XXXX " XXXX '' ) for my mom in XXXX. In XXXX, my mom stopped making payments. My mom did not tell me that she stopped paying the loan. XXXX did not call me or contact me to ask me to make payments even though it had my phone number. When I checked my credit report in XXXX XXXX, I found out about the missed payments. I immediately started making payments. On XXXX XXXX, XXXX, my mom passed away. My mom did not tell me that she stopped paying the loan. XXXX did not call me or contact me to ask me to make payments even though it had my phone number. When I checked my credit report in XXXX XXXX, I found out about the missed payments. On XXXX XXXX, XXXX, my mom XXXX XXXX. Shortly thereafter, I paid off the entire loan. At no point did I intend to not pay my debts. Once I knew a creditor was seeking payment from me, I started paying right away. Like a XXXX -- I 've always paid my debts. XXXX VIOLATED 15 U.S.C. 1681-2 ( A ) ( 7 ) ( I ) BECAUSE IT DID NOT NOTIFY ME IN WRITING OF ITS REPORTING OF NEGATIVE INFORMATION TO TRANSUNION BEFORE REPORTING THE NEGATIVE INFORMATION OR 30 DAYS THEREAFTER.
My loan was with XXXX XXXX XXXX, I had a direct phone number to my single point of contact in the CEO 's office, she promised to call me within 1 day or I could call her manager 's direct line for help, My single point of contact called me at least once a week to update any status and inform me of anything that was needed for a modification. 
This all changed with Caliber Home Loans, you receive a general phone number and one one of XXXX " single point of contacts '' answer your call and say they all are your singlepoint of contact. Each of these " single points of contact '' is more clueless than the next and have XXXX knowledge of me, my loan or my current needs or modification situation. 
I do not have any direct line for my Caliber single point of contact and have never received a return call from him. This situation is unacceptable and violates all the rules ofand purpose of having a dedicated single point of contact to work with you who understands your file and situation. I need to be assigned a real single point of contact ththat is compliant, with a direct phone number in the CEO 's office just like I had at XXXX. Please assign me a Single point of contact in the CEOs office of CaliberHome Loans ASAP. The current situation is totally unacceptable and noncompliant. 
Please conform to the rules of proper modification management and compliance.
Experian has refused to investigate the inaccurate negative mortgage account from XXXX XXXX XXXX opened on XX/XX/2006. This account was charged off to the IRS and is still showing a fraudulent negative balance for the full loan amount. This account is also 7 years old and should be removed from my credit report. Experian has refused to acknowledge these facts and refuses to investigate that this account is 7 years old and will not remove this fraudulent account.
My problem stems from a disputed I filed over season tickets with a local major sports franchise, And was never mailed the questionnaire to continue to dispute was never mailed documentation that the provisional credit was going to be reversed of {$250.00}, and once that happened and I didnt know about it cost me overdraft fees of {$140.00} Which I had to have escalated to another department to try and get back which they finally did, and I stock money in the bank to cover all pending transactions in the reversal of the provisional fee credit. 


I also re-file the dispute, and I wake up today tomorrow overdraft fees from things that just showed on my end that I had covered, and a woman in the escalations department by the name of XXXX XXXX was only concerned with trying to sell me more products. 

I went to the local branch and talk to XXXX XXXX, And explain the situation and what is going on over the last couple days and that I have thousands in another account, which I made a point out dont you think if I knew I didnt have enough money in there I have the funds to cover it like this is XXXX that this keeps happening. 

Can you agreed however he tried to give me the feedback in the system would not let him in restricted him from giving me the feedback I am now refusing to put any more funds in this account because this is XXXX everybody I call nobody seems to care Im gon na try one more time to get this resolved if this doesnt get resolved I am leaving PNC for good and I been banking there for over five years
I was offered a buy out of my XXXX pension last summer. After comparing the numbers they had offered I decided NOT to participate in the buyout and keep my pension. When I called the number provided I was informed that unless I request a check in writing no changes would be made to my account. No such request was made. 
In XXXX I received a notice that a check for XXXX was deposited on my behave to CITIBANK and an IRA was setup earning almost no interest. I have since contacted those XXXX times to transfer the funds to XXXX XXXX XXXX XXXX which is the bank where I do most of my retirement accounts. The first time I needed to submit forms after which they said they would transfer the funds. I have made XXXX attempts after that to have the funds transferred. Each time saying all the steps were complete and the funds would be dispersed in seven to ten working days. They also suggested I could go to a local branch and get the check directly knowing I was in XXXX XXXX. The company has no branches in Texas or even XXXX. 

First and foremost I would like a reinstatement of my pension. If this is impossible then an immediate transfer of funds to XXXX XXXX XXXX XXXX on my behave would be an appropriate action. 

Thank You, XXXX XXXX
BBVA Compass bank purposely places online deposit limits onto your account so that you can not put enough money into your account to pay your mortgage. Also, mishandles funds which result in overdraft fees. Mishandles checks and says they do not process because of lack of funds, which is not true, requests another check, then cashes both, which results in overdraft fees. Online banking updates are misleading, they update the mortgage payments online but while delaying updates to checking accounts which is also misleading and leads to more overdraft fees. Incompetence at all levels.
On XXXX XXXX, 2015 I opened a checking account at Chase Bank on XXXX XXXX XXXX, GA. The Bank Specialist is XXXX XXXX and Branch Manager XXXX XXXX. XXXX XXXX was the one that opened the account for XXXX. She processed all the documents, gave me a starter package with checks included and XXXX ATM cards of which I opened the account with {$800.00}. the second Transaction was on XXXX XXXX, 2015 of which I deposited a check for {$1200.00}. on XXXX XXXX, 2015 I was made aware that the {$800.00} was not on my account after trying to withdraw money from an ATM in XXXX, GA to which I was told there was Insufficient funds. I made several trips to the bank and spoke with the manager but I was not reimbursed my money. I am getting the royal push around. I worked hard for my money and I could not have opened an account without any money.
I have an account with XXXX XXXX XXXX issued by Synchrony Bank. We have XXXX credit card only and my husband uses it also for his expenses at work, so every time he receives his expense check I deposit to the bank and issue a online payment to XXXX right away to keep our available credit open so we do n't have any surprises when charging. On my last Statement I '' ve made three pmt one of {$890.00} this was expenses, one of - {$1600.00} also expenses and the last one of {$3200.00} which was my balance to pay and the last one was deducted from my bank account via on line pay with my bank on XX/XX/2015, XXXX received it on XX/XX/2015 and is still holding this pmt as of today XX/XX/2015. They are telling me they have to wait for the money to clear, I 'm sure my bank would not send my pmt if the fund was not in my account, ( And it was already deducted on XX/XX/2015 ) with this situation going on and the other charges done since, we went to charge a small amount of XXXX and was denied by the store, after talking to these clueless at XXXX they refuse to apply my pmt to my balance, my husband was leaving on a business trip this morning XX/XX/2015 without any credit cards. I do n't believe they have the right to hold on to my money since my Bank has pay themselves on XX/XX/2015 it should not be any issues about credited my account, they are abusing people who pay their bill off each months and they should not get away with it. I need help to stop these deceptive practices. It 's putting us in a uncomfortable position and my husband have no way to charge for his expenses for the next few days, we ca n't not accept this kind of XXXX, because we like to pay our bills ahead they are punishing us by refusing to apply pmt on the same day they receive it.
I attended Missouri College in 2008 for the XXXX. Since I graduated I have yet to find a job in the field. I was mislead by Missouri College because they promised lifetime job placement. I am hesitant to further my education because the credits from Missouri college does not transfer in which they also informed me that they were fully accredited. The XXXX was originally $ XXXX which was overpriced compared to others schools in MO. I have n't been able to repay my students loans since graduation and now my loans have almost doubled. Now the school is closed and I am stuck with paying student loans that I ca n't repay.
I received a phone call on my work phone on XX/XX/XXXX at XXXX XXXX, from a guy whom never stated his name. It caught me by surprise because he addressed me by first and last name, he state that he was hired by a company to investigate and track me down for a debt that I owe and if I did not pay this debt within 48 hrs he was going to come to my job and serve me papers to have my wages garnished. I asked whom was the company that hired him he stated he did not know that information but if I wanted to contact them I could call them and settle the debt, so that he would not have to serve me at work. I wrote the information down and contacted the number he provided me, I provided the woman with the case number and she told me that I owed {$530.00} ( to XXXX ) with a {$6.00} processing fee. If I did not pay that amount immediately they were going to garnish my wages for triple that amount. Which made me fearful, I promptly made the payment so that he wouldn't come to my job and have my wages garnished. My bank wouldn't allow a debt transaction over {$500.00} in one day so the payment would have to be broken into 2 payments.On XX/XX/XXXX I paid {$490.00} plus {$6.00} processing fee, the women emailed me an receipt. The next day XX/XX/XXXX the second payment for {$49.00} plus {$6.00} processing fee was made but I never received a receipt or paid in full letter as the women said she would email to me. On XX/XX/XXXX I tried to contact that same number to have them send my paid in full letter the phone number no longer workers. I've called the phone number on the invoice/XXXX and left a voice mail and have not gotten a response.
Fiance System has continued to report to XXXX false information in attempts to collect a debt. They have reported numerous accounts that are dated as of XX/XX/2015 from any where to XXXX to XXXX dollars. After speaking to the original creditor they informed me that Medicaid had paid on the account and or they had my Medicaid insurance information.

I have requested numerous times for them to remove thier information that they are reporting and that it is illegal to bill medicaid client for services that they recieved payment on.

Since XX/XX/2015 this has caused me numerous adverse actions and denials of credit, a mortage and a personal loans ...
Further to my Complaint no. XXXX and the Company 's Response, I reiterate that I applied for the card under the promotional offer by clicking on a link to the offer. Although the welcome bonus offer was described in the terms and conditions and an additional disclosure before I applied for the card, American Express should have either denied my application or informed me that I was not eligible for the offer at the time of approval of my application. Amex did neither, and made me believe that I never had a similar card in the past and that I was eligible for the offer. Only after meeting the offer requirements and demanding the bonus, Amex told me that I previously had a similar card. It is clear that Amex was not fair in communicating with prospective customers.
This is a collection agency. My medical bill was already written off by XXXX XXXX and I am even on a Medical Financial Assistance from XXXX. However, the Collection is still insisting that I pay them the medical bills.
So I get this debt that XXXX XXXX XXXX XXXX claims I owe them {$210.00}. Thats funny cause I spoke to their CEO on this situation, they claimed they would make it right. I mean how man times does a hospital misdiagnose people, I mean lets take example here when I come down sick they walk in take my XXXX listen to my XXXX and say I have an XXXX XXXX  XXXX how do you diagnose that, so at this point I get a 2nd opinion from another medical facility that took the time to run the tests, they examined my XXXX even doing an XXXX of my XXXX. They found nothing wrong within my XXXX but they did find out that I had XXXX XXXX and an XXXX XXXX. 

So after speaking with the Parent Company of XXXX  XXXX XXXX XXXX  and their CEO and their Director of Emergency Care they both claimed they would make this right but apparently that must have been a lie right to my face cause they wan na charge me for WHAT misdiagnosing me, maybe I need file a complaint with the TEXAS MEDICAL BOARD cause this hospital constantly misdiagnose people, nothing against the company its the staff the needs to be overhauled
For the past, several months I have requested Equifax and XXXX XXXX to make the correction on my credit report one to remove a repossession that should not be there and to remove a wrong social security number ending in XXXX. This is not my legal number. The several times that I have talked with XXXX Relations- he keeps stating XXXX XXXX this SS # is related to the account and when we ran the number your name came up, and that he had proven. When I asked him to send me a copy of that he refused stating that it was private information. 
After checking more into the matter : I purchased the car from XXXX on XX/XX/XXXX on a contract that was not signed by me. A XXXX employee forged my name on the contract. 
XXXX started that I was behind in my payments the month of XX/XX/XXXX thru the month of XX/XX/XXXX. XXXX has always had the SS # as XXXX and refused to talk with me several occasions because I did not have the right number. 
Per my credit report : On XX/XX/XXXX, my SS # was reported on my report. When XX/XX/XXXX reported late payments or days behind they are the ones that put the way SS # on my report and now are trying to say that I have to SS # Other Identification Date Reported Type Code Identification Number ReasonXX/XX/XXXX Social Security Number xxxxx XXXX Variation XXXX was forged my signature, the wrong SS # violated numerous rules and laws This SS # XXXX was never on my credit report until XX/XX/XXXX unit XXXX XXXX reported it
This is on my credit reports, but is not my account : XXXX XXXX Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit.

Account Number Account Status PAYS_AS_AGREED Available Credit {$31000.00} Reported Balance {$30000.00} Debt-to-Credit Ratio 97 %
I give the vehicle back couldn't afford the payments then when we they said they sold it for less then wat was owed that had to pay and I couldn't then after all these years a debt collector bought it from the company on wat was owed and the debt collector try to tell me if didn't make arrangements would hurt my credit score it never was on my credit report I check it quite often so agreed to make XXXX a month payments so that's why I'm filing this complaint thank you
I am uploading proof from a complaint XXXX I submitted. I received a response from the company thank you cfpb I submitted feedback but didnt upload my proof from my transunion credit report. XXXX and equifax are completely wrong for reporting my XXXX XXXX account with a late payment back in XX/XX/2015. The investigation done by XXXX shows proof that these 2 accounts were never paid late.
I hired XXXX last year that I pay {$99.00} a month to remove all negative items referencing my previous CHXXXX Bankruptcy which is Officially Discharged and paid in Full on XX/XX/2017. They are having No success with the three reporting bureaus. Equifax, XXXX   and XXXX  is reporting negative items incorrectly and should be removed or updated. They have duplicate items. Since the 3 reporting bureaus report information about consumers to a CRA, they are subject to the FCRAs Furnisher Rule, which requires that : 1 ) information that is furnished must be accurate and complete ; and 2 ) consumer disputes about the information you provide must be investigated.
I had an account with BB & T which went into overdraft due to a credit card company debiting the account and funds were not there. The end balance resulted went from a $ XXXX over draft fee to a $ XXXX on XX/XX/XXXX from where they charge you {$36.00} every 10 days the account is over drawn. The bank took money from another checking account I had with them without my permission. I requested the account to be closed on XX/XX/XXXX via email and was told it couldn't due to another {$36.00} fee that had been charged and fees continuing to add up the bank didn't close my account and another {$160.00} was taken out of the same main account I have with them. This bank has very unethical banking practices and needs to be stopped. This has cost me well over {$500.00} in total and is ridiculous.