WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a dispute in XX/XX/XXXX with American Express in the amount of {$16000.00} dtd XX/XX/XXXX. The charge was from the company, XXXX XXXX. The reason for my filing was this company had their business operations shut down by the FTC for making false claims and misleading consumers. I considered this as a scam and breach of contract. I gave American Express all of the supporting documents regarding the case and let them know that the business operations had been shut down and they denied my dispute twice because they could not contact the merchant ( of course they couldn't the FTC shut them down! ). That is the only reason I was given. Out of 7 different credit card disputes I filed for the same merchant and reason, American Express is the only one that denied my dispute. All the other companies ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) I'm not sure if this is considered a complaint you would investigate or if I have any other recourse. Please advise. Thank you.
They call often, using various numbers, even local numbers, making me think it 's school ( XXXX young children ) or work related. They never call using XXXX or XXXX number or company name on caller ID. They wont respond, or talk to me, they keep reading 'script '
when i applied for a truck loan in XX/XX/2016, when they ran my credit, none of my creditors showed up on my report except for 1 account that had already been closed. i ordered my free credit report and upon receiving it in the mail, it has none of my creditors on it. i called them to file a complaint and they said to call the companies to see if they were reporting to the agency. i did that and was told they are reporting as always. yet still after a year of trying to get to the bottom of this it, my credit report is still BLANK. No  one is able to help me, I've called numerous people for help and am getting no where. HELP!!
I have been paying on XXXX loan now XXXX since XX/XX/2005. I was n't working for a while and then returned to school. During that time I was paying interest only payment. I was told last year that my interest only expired and I have to pay {$210.00} per month. I discussed with the staff and was told that there is nothing they can do to lower my payment. I told them I can not afford {$210.00} but will make an effort to pay {$100.00}. Even so they are adding late fees and calling me threaten to send my name to the credit bureau. I 'm having a hard time because I have to pay other loans. I do n't known what to do because it is stressful. My XXXX XXXX went up and I have to be taking medicine. If the com [ any send my name to the credit bureau I will not able to receive credit from anyone. Please help.
Receive Social Security Check   XXXX   Wednesday of each month, Our house payment goes in the mail the next day   XXXX   Thursday of every month, I have cancelled checks for every payment for the last 32 years,   XXXX   XXXX   XXXX   sold account to  Carrington Mort gage and we have had nothing ut problems with them every since. We have sent copies to  Carrington  Mortgage and have tried to explained that we are not past due, now they are calling  2  to 3 times a day and threatening foreclose. We have asked them several times to put the old balance that they show owing to the end of the contract and they say they ca n't. My husband is   XXXX    XXXX   XXXX   XXXX  with  XXXX   XXXX  (   XXXX   XXXX   XXXX   )   XXXX   and  XXXX   XXXX   XXXX  the  XXXX  they are causing by sending  XXXX  to  XXXX  letters weekly and calling daily is not helping him. We have lived in this house for 32 years if we were not going to pay our mortgage payments why would we be in the same place this amount of time.
Received Debt collection from XXXX for which I do not owe any money. Called several times indicating that no money is due to them. However, they continue sending notices.
My brother XXXX XXXX XXXX is XXXX from a XXXX one year ago. He was divorced shortly after the XXXX. He faces legitimate hardships, his FHA loan modification has been denied twice despite that he qualified. The entire matter has been grossly mishandled by Wells Fargo, their attorneys XXXX, XXXX, and XXXX, XXXX, as well as XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX have attached a copy of the email that I have sent out today to various agencies for some assistance to save my brothers home in the XXXX hour. We have been strung along for months! The sale is tomorrow. He has been assisted by XXXX XXXX XXXX XXXX who has now referred us to seek Consumer Advocate Attorney assistance, but with the sale date being tomorrow, we 're not sure of how to further help my brother from losing his home of 25 years. He has been unable to continue his XXXX, and has suffered additional XXXX from the stress of this matter. His health has declined significantly from where it was in XXXX when released from the hospital to continue his enormous progress he had made. He is now barely XXXX and has had his Medical Coverage cancelled due to non-payment of premium from the confused state of mind he is in from the additional strokes. We are appealing with his employer City of XXXX benefits department and working with his XXXX XXXX counselor to reinstate his Medical coverage. Without medical coverage XXXX 's likelihood of survival is next to none! Please help us as to what next steps should occur to stop this sale until more informed eyes and ears can peruse the events that occurred and contributed to this man being unlawfully denied his modification and subsequently faces the potential of being put on the curb in XXXX. Thank you! XXXX XXXX, sister in Colorado
I applied to get a Checking account with Charles Schwab and to do that I had to open a brokerage account too, which I funded with {$50.00}. What they did n't tell me is that they were gon na do a hard inquiry on my credit and then they declined my account because I 'm young and do n't have much credit history. I could get over that, but they sent me a letter saying that my investment account had been closed as well, and I had already put {$50.00} into that account. Now when I try to transfer my money out it says that account is restricted. I thought it might be a certain waiting period but it 's been more than a few weeks now and I still ca n't get my money. {$50.00} might not seem like much to Charles Schwab, but I 'm a poor college student.
I asked for a XXXX, XXXX, be removed as it is too old, from 2006, and the credit agency just added " new '' information that was already there. I want this removed as it has been 10 years! Thank you.
On XX/XX/XXXX 2017. I applied for a payday loan with Cash Central Community Choice financial. I was turned down, I do not even believe they submitted anything, they are Using correct information you applied on the Online computer system. It does not even seem to be correct. all this information is transmitted into a computer system to be used later, and it may hurt and it may hurt a person severely. I can see these people using it for that purpose. they do not intend to give anyone a loan they are just getting all the information up they can to hurt someone later on. they mere intentions are to be on your credit score for publicity Only. No intentions of giving any one a loan just like previous company does. I did not want to apply online but they said they information was secured and it would be alright. I have been turned down for so many payday loans here in XXXX tennessee. I am wondering are they using someone else information so they could have reasons to not approve my case. so I can get a loan. It is just ridiculous that these companies are doing this to people. the one 's who need it the most can not even apply. and get a loan through any of these companies anymore. I think they are using not verified information and turning all of Us down for no reasons at all.
The amount due on this account is inaccurate. They are trying to charge fraudulent charges to get more money. The total amount of the product was for {$2500.00}. The amount already paid to them was 9 payments of {$240.00} + {$2200.00} plus initial deposit of {$640.00} bringing that to a total of {$2800.00}.

Therefore, this account was paid in full. I have previous documents and statements proving this. I would like this removed from my credit score account.

I have contacted them numerous times and all I have been told is that I owe them {$5600.00} more. They constantly threaten that if I don't pay it that they will making this appear on my credit score. They are continuously ruse on the phone to me. Wont try to help me or listen to my concerns.
We had a mortgage with XXXX that was transferred/bought by Nationstar Mortgage LLC. We got a transfer notice from XXXX on XXXX XXXX. It said to send our payment to Nationstar for our XXXX payment. We did that and it was returned by Nationstar. We called them and they said that because we are a XXXX BK loan we could only call them on the phone to make a payment and it would be a XXXX fee each month. We have filed CH XXXX BK but the mortgage was not included in it and the trustee does not make the payments. We have been making the payments on time to XXXX Also we asked for statement or why we could n't access the online. They said they do not send statements or allow online access for XXXX bk loans. How are we to know that they have been allocating money to our escrow tax and have paid our taxes. I think we are being penalized for being a CH XXXX BK. It is going to cost us an extra XXXX dollars each month to pay our mortgage. Then we have no proof they have posted the payment and paid our escrow. They also gave us a different address for the company than is on their website and in the transfer letter. We are unsure as to what is going on with our Mortgage. This seems a bit shady.
On both credit reports Equifax and XXXX  they show that I have accounts with XXXX XXXX XXXX and XXXX XXXX. I do not have accounts with them. I called XXXX  XXXX XXXX and XXXX XXXX they both said that they do not have any accounts with my Social Security Number. The partial account number listed on XXXX XXXX XXXX is # XXXX on both Equifax and XXXX. Partial account number listed on XXXX XXXX is # XXXX. 
This number is on both Equifax and XXXX. I have filled out the papers that both XXXX  and Equifax provide if you have issues with the reports. Told both Equifax and XXXX that these account are not my. To remove them immediately. I contacted the fraud departments of the bureaus. I have also informed the Federal Trade Commission and they said to contact you. Also filed a police report with XXXX, PA police department. Report number with them is XXXX.
For the months of XXXX and XXXX Chase bank charged interest and late fees because I was told my full payment was made 2 days late. I explained to two different customer service reps and two managers that I was not sure how it could have been late since it was paid electronically like is done every month for the past 5 years and have not had a problem until now. They would not waive the interest charges. I fell like this is a scam to extort money from me. They are not interested in helping me. I ca n't believe that a good customer who spends around {$20000.00} a year on their card they would treat so horrible.
A debt collector from ( XXXX ) XXXX called me at my work phone number and cell phone number. They says that they are collecting for Bank of Omaha. 

They never attempt to send me a notice because they do not have a mailing address for me. I asked them to contact who they are working for and get the mailing address they attempt to send mail to. 

The debt collector refused to contact the bank to get a mailing address. They threaten to leave voice messages on my phone.
I just checked my credit files and notice that Joseph Mann & Creed, filed a false account on my credit files. I disputed this before with another company and now they sent it to Joseph Mann & Creed and now they are calling me and make false claims to collect this debt. This is not my account and does not belongs to me.
As you know from previous notes i sent to you this has been going on for some time. 
I did have a lawyer who was taking {$750.00} every 3 months from my credit card and i signed paper that he would represent me so Wells Fargo would not talk to me directly. 
33 pages plus bank statements and IRS etc was sent over several months but nothing happened.I started talking to Wells Fargo and and support closure specialist ex, XXXX XXXX and more no response. They told me they would not accept payments from me till I paid them {$21000.00} as i stopped payments as XXXX XXXX told me not to pay unless they lowered the payment, So i ended up with XXXX XXXX ( wells fargo lawyer ) which i go to court and get 30 days? to move out. I told them a few months back that i would pay {$900.00} every month starting mid XXXX but they want all or nothing.As of last week i was leaving messages with Support Specialist to call me back I would start making payments or refinance.I need to get a chance and i will sent them a payment immediately,
I was erroneously reported to all three major credit Bureaus by XXXX for a professional fee I paid for {$220.00} on XX/XX/2015. I have the cancelled check. This check cleared the bank on XX/XX/2015. I received no notice of this referral to a collection agency and discovered this gross, negligent error after I was denied for a refinance on our home. To add insult to injury, I am now receiving menacing, harassing phone calls from collection agency Grant & Weber XXXX ext XXXX. I would like financial compensation for {$1000.00} for each agency to which info was reported and the reports corrected and verification that corrections were made sent to me in writing. and the account I was treated at XXXX in the XXXX The telephone number of the billing service who did this is XXXX 
Thank you in advance for your time and consideration.
XXXX admits in the attached letter that it has no evidence of any agreement with me, nor any sales receipts, nor any billing statements. It is using a spreadsheet underlying what it reports as 'verification ' of what it reports. At some point the burden has to shift to TransUnion that must realize if a creditor can not back up that an account belongs to a consumer, it must be deleted.
I just looked into my credit report and saw a bunch of inquires that I didnt allow on my report. I contacted XXXX XXXX to get it fixed and they were no help they told me to contact the companies its self, I did that and then the creditors gave me a run around and then i called back to XXXX XXXX and they said they couldn't help further. I want these inquires that I did not make on my credit report off. 
They did give me a file number : XXXX Inquires : XXXX XXXX XXXX   SYNCB XXXXXXXX XXXX ( 3 times repeated ) XXXX ( 2 times repeated )
An overdraft fee that was " not to increase '' did in fact increase. I attempted to put a hold or freeze on my account and they would not comply. They continued to multiple the overdraft to the power of  XXXX .
I have repeatedly asked Equifax to delete this false information from my credit report, reported by XXXX XXXX. They have investigated however the information provided by XXXX is repeatedly inaccurate and is not consistent. They have a delinquency date of XXXX for {$1.00} past due. This account was previously deleted from my account and in XXXX XXXX it appeared on my report as a collection account. I have written and requested XXXX to provide proper documentation showing all payments received as I have disputed the accuracy of their data to Equifax. XXXX has not provided me information or properly reported that information the credit agency. How can a company report past due debt and not report the date of last payment received? The alleged debt has monthly payments of XXXX $ and they reported the amount past due is {$1.00}. This amount would be more if my date of first delinquency was in XXXX. This information is wildly inaccurate. The information is obviously false and has been reported multiple times by XXXX despite several attempts to rectify the situation via Equifax and XXXX. Please has XXXX and Equifx remove this false information from my credit report immediately as it violates the FCRA of reporting inaccurate information. Equifax has failed to properly review the information from their investigation. The information is obviously false down to the dates, reported dates of past due amounts, amounts due.
I XXXX XXXX appreciate everything Wells Fargo has done for me, especially helping me re-establish a new trade line for my mortgage modification. My complaint will show that my original mortgage was procured with Wells Fargo Home Mortgage back in XX/XX/XXXX. The loan was taken over by their servicing company known as XXXX XXXX XXXX. The old mortgage is reporting on XXXX  under Wells Fargo Home Mortgage, and under XXXX XXXX XXXX with XXXX and XXXX XXXX. It makes no difference to me how it is reported as the time for its removal is upon us. All bureaus show a cut off of at least five years payment history. I believe that my original mortgage was late as far back as XXXX. In any event, the time has expired in my opinion, even though at the very latest this original mortgage would come off XX/XX/XXXX based upon both servicers showing XX/XX/XXXX as an original default date. The 7-year timeline under the Fair Credit Reporting Act applies and therefore both servicers have an obligation to remove the old account mortgage permanently.
Re : Equifax data breach. 
Issue : I am trying to place a freeze on the account with Equifax, but is impossible to do so either by phone, or web site. 
I have tried to contact them in may ways, but no one seems to be available. Mail is also un-responded. 

Thank you. 
XXXX XXXX
Over the past year I have witnessed multiple situations where PNC Bank took liberties to manage my transactions in a manner that gave them car-blanch to assess " Over Draft '' charges to my checking account. Up to this point I accepted the bank errors. That is going to change. 
On XXXX/XXXX/15 I reviewed my account to find that I received XXXX over draft charges of {$35.00} to the sum of {$70.00} in debits to my account. The charges made no sense to me. Per my online banking statement I had a close of business balance of {$38.00} as of XXXX/XXXX/15 and no new Posted transactions to my account for XXXX/XXXX/15. My ending balance on XXXX/XXXX/15 was {$400.00}. I had XXXX transactions post to my account on XXXX/XXXX/15. A deposit for {$74.00}. and XXXX debits totaling {$440.00}. I had XXXX items in Pending Transactions totaling {$140.00}. After speaking with PNC representatives the explanation to my over drafts are that PNC took liberties and applied XXXX transactions that are being held in my Pending transactions to my Posted transactions. I was told there is a difference between a Firm hold and a soft Hold. I was told that the online banking system is not as accurate as the banks accounting system. I was told that I was incorrect and that I must be wrong because I have had over drafts in the past and my past history dictates that I am wrong. Basic accounting principles prove that I am right along with basic math principles. After speaking with XXXX agents from PNC I am under the impression that PNC is without question breaking some sort of law in an attempt to force over draft charges onto its customers. Very similar to when they received a XXXX XXXX dollar judgement to pay back moneys they gathered through over draft charges. I have screen shots and documentation to support my claim. Not one PNC representative can justify or show a ledger that conflicts with my documentation.
. At the time of the recession when everyone was losing or walking away from their homes we were given a trial mortgage by Citi which we paid every month with the promise they would modify the loan. after the trial period they put all the interests back, did not modify us and put us in foreclosure as mentioned.So happens they put us in foreclosure and we had to pay back a lump some of money to save our home from going into foreclosure. Now there is a {$15000.00} dollars plus interest on our loan which makes our monthly payments very high and the XXXX dollars we had to pay them to save the home despite the fact we were still making monthly payments they told us to pay. I would like a full investigation in our account held my current lender and previous from the initiation of the mortgage with citi back in XX/XX/2004 and the current holder of the loan citimortgage. WE are stuck in a rut, and can not move forward like everybody else and we are reliable and responsible citizens.WE can not refinance or get the benefits of a Harp or lower interest rates. Our credit was ruined because we were promised what we did not get. The people who benefited are those who have money and can more than afford.
here are inquires that i dont recognize nor did i give approval to look into my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX
On XXXX XXXX, I sent a letter to Equifax, XXXX, and XXXX XXXX ; asking them to correct errors on my credit report. Several weeks ago, I received notice of the corrections from XXXX and XXXX XXXX. Unfortunately, I have not receive anything from Equifax, despite several attempts at follow-up.
My wife and I entered a home purchase contract on XXXX XXXX, 2015 in XXXX, AZ. We switched to Wells Fargo Home Mortgage branch of XXXX XXXX XXXX, XXXX, AZ on XXXX XXXX, 2015. We showed them our sales contract Which had a COE date of XXXX XXXX, 2015. However, we asked if they could accommodate the original sales contract date of XXXX XXXX, 2015. They fully assured us that they could reach that goal, I asked about possibilities that could hold them up, and they did not propose any situations and just restated they could meet our requested goal. We informed them of our previous lender, so they could contact them if needed. Since our inspections were complete and we were conditionally approved for the loan, on XXXX XXXX, 2015 we asked when our appraisal would get done. An answer was not given back to us until XXXX XXXX, 2015, and we were told our file is now in underwriting and an appraisal would be completed on or before XXXX XXXX, 2015. On XXXX XXXX, 2015, I called the branch manager to voice my displeasure with the service and lack of integrity on their part as they have not kept their word XXXX now. He answered and said he would look into it and contact me back in 15 minutes. He never contacted me back. The appraisal did not get completed until XXXX XXXX, 2015, and no explanation was given to us as to why. For the next few weeks, I got no solid information as to a closing date, I fixed minor items they asked for instantly ( why were n't these requested earlier in the process? ). They kept telling me I was in line to close and it could happen any day, so for two weeks I set up moving arrangements, incurred more expenses, paid more unanticipated rent, experienced difficulty at work, and struggled with frustration. I finally showed up unannounced to their branch and got to speak in person with the branch manager. He fully acknowledged his team and other parts of Wells Fargo had let me down and did not live up to expectations, provided poor communication, and had incomplete work. Furthermore, he said there was a big issue with the appraisal not getting done in a timely fashion, but could not explain why that was not relayed to me. I told him that prevented me from looking for an alternate lender by not disclosing that there were issues. Today is XXXX XXXX, 2015 which is 5 days before the sales contract expires. I could lose the house, the money I paid for inspections, and months of effort and wasted frustration if Wells Fargo continues their poor professional work and the closing is not completed in the next 5 days.