WillisBack/dataset-financial-user-claim huggingface dataset:
I opened an account with my then boyfriend, XXXX XXXX, at the US Bank branch he XXXX in XXXX Illinois a couple years ago. I kept the account, even after we had broken up, as a savings vehicle. I rarely have more than {$100.00} in this account. The last time I checked the account, there was less than {$10.00}. I received an e-mail alert about a new balance yesterday and checked my account. It 's in the XXXX by $ XXXX. US Bank will not help me. They refuse to refund the overdraft! They state that I signed a form that gave them authority to authorize purchases on my card, even if I did n't have the funds to back them up. They are refusing to give me a copy of the form I " supposedly '' signed that gave them this permission. Furthermore, they left the final decision in my ex-boyfriend 's court. He naturally denied to refund me the overdraft! I have tried to work with US Bank. I asked to close the account and they wo n't. Even after I have paid {$150.00} towards the balance ( automatic debits that had the wrong information to draft from ), there are still overdraft fees to keep the account open. Every 8 days, they are going to charge me another {$25.00} for the overdraft fees!
It all began when I got a check from a friend. She lend me {$8700.00} and gave me a check on XX/XX/2018 which I did deposit it on the XX/XX/18. she didn't had the money but she made a transfer from other of her accounts on XX/XX/18. Unfortunately the check was bounced because she the funds she transferred weren't available. So, I had a bounced check. 
She gave me another check of {$8000.00} on XX/XX/18 showed me that she had the funds available, I deposited the check that same day and the money was pulled from her account the same day, XX/XX/18. Unfortunately Chase which is the bank where I have my account, put a hold on my money from XX/XX/18 until XX/XX/18 and they're saying that it is because they haven't got the money and that because, I had a bounced check from that same person, I have to wait until they get it. 

The money was taken out of my friends account since XX/XX/18, i don't understand why I have to wait 8 days to get my money.
I have a a unverified account from AFNI. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I saw on my transunion credit report that there is an account in collections that does not belong to me ( fraud ). I called the collection agency that is listed on X/XX/17 and they were unable to find any account tied to my name and social security number. However, they refuse to remove the account from my report. I also disputed the claim on X/XX/17 with transunion. They did not remove the fraudulent account from my report.
I have disputed a billing error in the amount of {$130.00} on my account. The amount is inaccurate because I did not make this purchase. I am requesting that the error be corrected, that the late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be redacted from your reporting because I would not have been late on my payments if I was aware that a large transaction was made ( I did not budget for this fraudulent charge ) and I have contacted XXXX XXXX and requested reimbursement related to the disputed amount be credited as well, and that I receive an accurate statement. Enclosed are copies of my credit report, and credit card statements supporting my position. Please investigate this matter and correct the late payment reporting error as soon as possible. I have highlighted and numbered these disputed items on the attached copy.
I HAVE BEEN RECEIVING SEVERAL COLLECTION AGENCY 'S ATTEMPTING TO COLLECT A DEBT FOR A COMPANY CALLED " XXXX XXXX XXXX, '' THESE DEBT COLLECTORS ARE HEREIN LISTED HAS THE FOLLOWING ; RESURGENT CAPITAL SERVICES AND XXXX XXXX XXXX XXXX. THIS CASE OF XXXX WAS FILED UNDER AN OLD U.S.BANKRUPTCY CASE FILE AND WAS LATER XXXX UNDER CHAPTER XXXX, HOWEVER OVER THESE PAST ( 5 ) FIVE YEARS, I HAVE BEEN RECEIVING SIMILAR ATTEMPTS TO COLLECT THIS SAID DEBT, CURRENTLY UNDER KENTUCKY REVISED STATUTES THIS DEBT IS NO LONGER A VALID CLAIM AND IS THEREFORE PAST THE STATUE OF LIMITATIONS. I HAVE ENCLOSED COPIES OF ALL LETTERS RECEIVED FROM THESE COLLECTION AGENCY 'S AND THIS ACTION TO COLLECT THIS DEBT NEEDS TO STOP!!!
I do not recognize nor did I authorize the following inquiries to be made : Wells Fargo Dealer S XXXX XXXX, 2016
XXXX XXXX listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX and XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60 day late payments from my credit reports.
-Ocwen is a crooked mortgage company forcing people to forclose! I have been trying to do a mortgage modification for 3 months now.Every time I call I get the run a round.They never received my paper work or my time has run out I need to fill out another packet or the information I sent in was wrong.I found a website on XXXX with thousands of complaints towards this company the site is called The Ocwen lawsuit source! Many people lost their homes already, others stressing that it is going to happen to them next., The site was set up because people do not know how to handle this situation.Please help!! I 'm a single Mom living in my home now for XXXX yrs.I do n't want to loose my home. 

Thanks XXXX XXXX
I am getting 3-4 phone calls per day in the last 2 months from Bloomingdales credit agency for our account we continualy explain over and over again that I am out of work no money coming in anymore, until then we will send a payment in the next month hoping I return to work. But they now continue to 3-4 times per day we answer the phone and nobody responds on the other end. I had warned them that 's harassment but they did not respond to my concern about there calls to us. thank you for your help in this matter XXXX
I had to submit the application over and over again I had my employer 's statement faxed in ; per the rep it was not complete and it is to qualify I had to be in an income driver program for over 2 years and I have been more than that
Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Pulled credit report and found I owed a debt for XXXX XXXX XXXX XXXX XXXX that was being serviced by a debt collector, Commonwealth Financial XXXX. I called to request a debt validation. They refused to send me the validation because they stated it was already sent once. They could not provide contact information for original debt due to HIPPA. I should be allowed validation on a debt that is listed on my credit file.
XXXX XXXX XXXX ( equifax ) account # XXXX high limit of {$500.00} account is closed and is reporting as pays as agreed, incorrect reporting status per FCRA and Metro 2 reporting compliance standards XXXX XXXX XXXX account # XXXX high balance of {$430000.00} and balance of {$670000.00}? how is my balance more than my high balance. This is reporting in error per the FCRA and Metro 2 reporting compliance mandates. Payment grid showing 120 day lates, No 30, 60, 90 XXXX  Account # XXXX amount is {$430000.00} only reported on transunion and should be reporting on all 3, incomplete data reporting in error and illegal.

all 3 accounts have incomplete account numbers. This is a violation of the the FCRA and metro 2 reporting compliance standards mandates..
Experian Credit Reporting indicates I signed up in XX/XX/XXXX, which is true. However, I put in a request for cancellation in XX/XX/XXXX. Experian says they received no notice of this and I have no confirmation email. I have asked them to examine their records for any logins to the site, and only requested credit back of {$21.00} for the past 3 months, as that is standard to request for any purchase you dispute. They declined, offering 1 month credit only. I wish to receive the other two months. I should receive 6 months, but since I did not follow through on this - due to the death of my sister XX/XX/XXXX, when I no longer was interested in following my credit score or anything else, this is all I am asking.
Equifax, have incorrect information in the credit files of XXXX and XXXX XXXX identical twin brothers, creating violation of the fair credit aact and fair transaction act causing adverse decision in consumer reporting.
I received a " notice of default right to cure '' letter on XX/XX/2016 threatening me and demanding payment by the XXXX or further action may take place. The funny thing about this letter is that it 's dated on XX/XX/2016 but it says that I 'm past due on my XX/XX/2016 payment. I 'm not a lawyer but I 'm sure that you 're not supposed to send a notice of default if a person is not in default right? Another funny thing about this letter is that it showed up 3 days after I filed my other complaint against this company on XX/XX/2016. It 's strange how this threatening letter just popped up. I really regret that I ever did business with this company and took out an auto loan. It has really turned out to be a decision I deeply regret. I really want this contract cancelled and I want to be done with them.
I've reach out to Transunion on several occasions, I'm not sure what's going on but I would like this issue cleared up asap. Transunion is reporting my old XXXX XXXX XXXX loan account 30 past due. This account had not been past due or 30 days also the pay status shows ACCOUNT 30 DAYS DUE This XXXX account # XXXX opened XX/XX/XXXX was paid off in XX/XX/XXXX the pay status should be Current or Paid not 30 days past due ( PLEASE UPDATE IMMEDIATELY ) ..Also, Transunion is reporting XXXX XXXX Acct # XXXX pay status account 120 days past due this account was paid off in XXXX the pay status should be Current or Paid not 120 day past due ( PLEASE UPDATE IMMEDIATELY )
I had my mortgage with XXXX until XX/XX/2018 when it was sold to PennyMac.. I  got a letter from both companies and was told I did not need to do anything but change payment to new company. Then I get a letter from PennyMac XX/XX/XXXX saying I did not have homeowners insurance and I needed to send proof I have it and if not they would get insurance and I would have to pay. 
Then I get a letter from XXXX XXXX my insurance carrier saying that they had tried unsuccessfully twice to contact PennyMac and they would not reply. Penny Mac Maliciously tried to get me to pay for a bogus insurance they have. This was a threat and a scam. I have never been late paying anything and PennyMac is a unprofessional mortgage company.
XXXX XXXX XXXX has submitted 4 request to have the account removed from my report and the account has not been removed. Ive also disputed this account on 3 separate occasions but XXXX   XXXX XXXX has verified the account has responded to the dispute as valid.
Bank of America is reporting debt balance as due on credit report after XXXX was issued discharging the debt. 

I lost my house to a XX/XX/XXXX foreclosure with XXXX during the foreclosure mismanagement and mortgage practices documented by State and Federal investigations ( XX/XX/XXXX National Mortgage Settlement ). Prior to the foreclosure I opened a line of credit with Bank of America ( BOA ) in XX/XX/XXXX for house repairs and modifications. I became financially unable to continue the payments after the foreclosure for the BOA line of credit debt and the account was charged off in XX/XX/XXXX. 

In tax year XX/XX/XXXX, BOA issued a Form XXXX ( cancellation of debt ) in XX/XX/XXXX discharging the credit debt. I consulted my tax advisor and filed the XXXX with my XX/XX/XXXX taxes. I reviewed my credit report XX/XX/XXXX and BOA has a balance due for the amount that was discharged. I contacted BOA and was informed the amount is still due ( BOA issued XXXX discharging the debt in XX/XX/XXXX ). 

I submitted disputes along with a copy of the XXXX to the XXXX credit reporting agencies ( part of my dispute was the account is not a charge off but a discharge based on the issued XXXX ). XXXX was the only agency that did not report the balance. Fast forward to XX/XX/XXXX and I reviewed my credit report again which still reflects a balance for the discharged debt with the XXXX credit reporting agencies. I contacted BOA and was informed that they will not remove the balance to reflect XXXX ( BOA issued XXXX discharging the debt in XX/XX/XXXX ). 

I was advised by another entity to submit a complaint to the CFPB for assistance with BOA to reflect XXXX on my credit report after a XXXX was issued discharging the debt. I plan on submitting a second dispute letter to XXXX and XXXX XXXX within the next XXXX hours. I am a XXXX Veteran and did not use my VA loan to purchase the house that foreclosed in XX/XX/XXXX. Thank you.
In XX/XX/XXXX, I lost my job and was unable to keep up with mortgage payments. Upon contacting Bayview Loan Servicing and informing them that I may have a hard time making full payments they suggested I make an application for the loan modification program. I submitted the application in XX/XX/XXXX for same. After having submitted XXXX complete loan modifications to Bayview Loan Servicing and receiving some excuse or delay from them each time, it became apparent to me that they were not going to help me but instead actually put me in deeper financial trouble. I purchased the home in XX/XX/XXXX paying {$68000.00} for the property. Bayview now informs me that the payoff is in excess of {$74000.00} and they want the property.
I received an automobile loan from Wachovia Bank XX/XX/XXXX, and paid that loan off XX/XX/XXXX, however I never received a lien satisfaction letter and the DMV was never sent the satisfaction. Wachovia no longer exits and was bought out by Wells Fargo. I have contacted Wells Fargo on multiple occasions to get a lien release however they can not find the account. In the meantime I am unable to sell the truck because I can not get a lien release. 

The whole experience has been very frustrating and confusing. I have been asked to submit a request in a writing but that could take 30 days or more to research.
XXXX/XXXX/16 I sent a payment check for {$290.00} to American Express. It showed up on my bank statement as cleared, but AMX did not show it as received. I contacted them in XXXX and they instructed me to send all bank statements to them which I did. In XXXX they said the case was closed but I was not credited for the payment. My XXXX bank contacted them and they reopened the case. I looked at the case status and they said they are investigating, again, and should have it resolved by XXXX XXXX 2016! .. the payment was made in XXXX and my bank shows that it was definitely cashed by them.
I received a voicemail on XX/XX/18 by a Bank of America phone rep. They did not leave a name or phone number/extension to contact. I have been receiving calls from phone # XXXX however no voice messages were ever left. When I call the number back it takes me to the call center and no one seems to know why I was called. 

When I finally reached someone on XX/XX/18 who directed me to the car loan department the rep ( XXXX XXXX or XXXX ) stated my car was out for repossession. And I requested to talk to a manager to try to get resolved today they stated 24-72 hours it would take for call back. The rep stated nothing he can do and I need to go into a financial center to try to make payment. He could not make payment arrangements or anything. Then stated once I make payment at the Financial Center then I need to call XXXX when I am there to ensure they have payment.
Loan # XXXXThis is an ongoing issue with this Mortgage Company. Our home WAS in foreclosure and reinstated as of X/XX/2017. Our XXXX 2017 payment was made through online bill pay and delivered as of X/XX/2017 ( Confirmation # XXXX ) Today the Mortgage company called to say that XX/XX/XXXX payment had not been received. I called and spoke to Rep XXXX XXXX who informed that our account has a payment freeze and can take up to two weeks to be removed after our loan has become reinstated. I informed XXXX that the loan had been reinstated more than 30 days ago. She informed that a Senior Manager must remove the freeze and our payment will transfer as soon as it has been released. Also, a charge of {$66.00} was listed on our XX/XX/XXXX Statement. When calling to inquire about the charge I spoke to 3 different Reps who gave me a different explanation each time. Apparently only {$11.00} was charged for a property inspection performed X/XX/2017 to confirm occupancy. Please note that this charge was incurred AFTER the loan had become reinstated. After a rude response and confusing explanation from Rep XXXX, I was transferred to a Senior manager who waved this inspection fee. This company continues to provide us with incorrect information and we were not informed of this freeze on our account. This company MUST be held responsible for continuing issues with customer service.
I CALLED NAVIENT LOAN SERVICING IN XX/XX/XXXX TO LET THEM KNOW THAT I WAS NOT EMPLOYED AND ASKED FOR A DEFFERMENT SINCE I WAS HAVING TROUBLE PAYING MY BILLS. THEY INSTEAD SUSPENDED MY PAYMENTS FOR A THREE MONTH PERIOD AND ALLOWED INTEREST TO ACCURUE. I DID NOT KNOW THAT THERE WAS OPTIONS. I AM A SINGLE MOTHER AND I FELT TAKEN ADVANTAGE OF.
I sent money transfer around XXXX XXXX. I always send Money transfer without Id. I have doing it for years for family members. I also have received money transfers. Agent states as long as its {$100.00} or less, you can send without ID. There is no change in sending funds regarding Id, unless funds go over a certain amount. Receiver was unable to pick up money transfer, and was told by agent it is being HELD. The receiver was asked for ID. Receiver does not have Id. We requested to have Money Transfer name change so money transfer funds can be picked up. Numerous calls were made, along with emails, and faxes to change info without success. I sent another money transfer in person that has id, due to the long time it was taking to have info changed. The XXXX transfer was sent XX/XX/XXXX. two - three weeks later. The original transfer funds are not being released back to me, ( sender ). Western Union requested to have a letter of explanation. I have sent that also. I continue to call, Western Union reps state the same info each time did you send Id. I explain I have already sent another transfer. This transaction needs to be cancelled. Western Union is now requesting additional info. I am requesting money transfer to be cancelled and refunded. it has been over 45 days that original transaction was done, it will soon be 60 days.
We had major problems with our mortgage with Green Tree servicing related to unauthorized fee 's, inaccurate posting of payments and paying our property taxes late ( escrow account ) and charging us with the late fee, harassing me at work, and refusing to provide either monthly statements or online info our our account summary/balance. Unfortunately, a company with problems and numerous complaints can remain intact, and simply change their name. Now that they are Ditech, we are even more upset. I AM CONVINCED THEY ARE XXXX US OVER. We filed a chapter XXXX in 2012 ( we did not include our home/mortgage ) and have continued to pay that on-time every month. Greentree AND Ditech will not put our loan balance or account summary on our statements nor online. We have NO CLUE where our money is going. I make my {$2100.00} payment every month. I called to obtain the info and the recording indicated they received $ XXXX I paid {$2100.00} It appears our loan balance has n't gone down either, it appears to have gone up! I know they added the late fee THEY PAID LATE ( escrow account ) ON OUR property taxes to our loan balance. I filed a CFPD report last XXXX regarding this and have yet to get it resolved/refuneded. I pay online every month on the XXXX,, yet they post payments on the XXXX often ( just to illegally assess a late charge ) Why does it take 2 weeks to get an electronic payment? NO ONE ANSWERS THEIR PHONES, OR RETURNS messages via their website under " contact us. '' I have sent XXXX messages in the past 8 months. The Federal trade regulation needs to investigate them asap!!! I FEEL SICK TO MY STOMACH, AS WE HAVE NO CLUE WHERE OUR MONEY IS GOING, NOR CAN WE SEE/ OBTAIN A COPY OF OUR BALANCE/ACCOUNT SUMMARY TO CONFIRM IT. PLEASE HELP!!!!