WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX, XXXX 2016 I called Bank of America to have a pending charge removed. The charge was unauthorized and I explicitly stated this. I specifically asked about fees and was told " You might get a fee, but it will be refunded. '' On XXXX, XXXX 2016 I had XXXX fees on my account, XXXX being a stop payment fee and XXXX being a returned item fee totaling in XXXX . I called customer service and was bounced from customer service to claims and back to customer service. 
After speaking to the customer service representative who told me there was nothing they could do, I asked to speak to a manager. The manager told me that someone had already tried to refund the fees using the automated system and that they were declined. I explained that the first person I spoke to probably did that before they transferred me to claims. The manager said I would need to have the company who charged me write a letter stating they did not have permission to charge my account to be able to refund the fees. 
I asked if I should have filed a claim, which is what I thought I did, and the manager said that yes I could have filed a claim if I had let the item post. I mentioned that if I had waited the 2-3 days for it to post I would have had a negative account balance the whole time and would not have been able to use my debit card. The manager told me that this is what I was supposed to have done. 
I pointed out that I got charged a stop payment fee and a returned item fee and I wanted to know why I got charged both, if the stop payment went through then why was there a return fee. The manager told me that I had a stop payment placed on the company name, but they charged me with a slightly different name and that is why I was charged both fees. I told him that was a technicality and he said he was sorry but that he was n't going to do anything about it and " if it was the first time you were complaining about fees, maybe I could do something. '' I asked if there was someone higher up I could talk to and the manager responded " I 'm the highest person that answers that phone. ''
This complaint is regarding Citi Credit Card, the issuer of XXXX credit card 's unfair and deceptive acts. XXXX varying amounts were charged to Citi/XXXX Credit Card in conjunction to XXXX deferred interest promotion. The first amount of {$1300.00} charged to Citi/XXXX Card on XXXX XXXX, XXXX was the initial payment toward the Bathroom ( tub replacement ) at my XXXX XXXX XXXX and the remaining balance of {$2800.00} was charged to the same Citi/XXXX Card on XXXX XXXX, XXXX when the job was completed. A new charge for a bedding in the amount of {$700.00} was charged to this Citi/XXXX card on XXXX XXXX, XXXX and a the last purchase in amount of {$1300.00} for electronic equipment/accessories was charged to this same Citi/XXXX card on XXXX XXXX, XXXX. 

The subject of this dispute is how my monthly payments under the deferred interest promo was applied towards this Citi/XXXX account. I understand that any payment made will first be applied towards the oldest account ( the account whose promo date ends first. With the exception of accounts that are in dispute. When an account is in dispute, it will be placed in hold until such time the matter causing such dispute is resolved. Despite numerous calls to the bank 's customer representative, and emails/messages requesting Citi/XXXX to readjust my account balance by recalculation the payments and applying them towards the accounts that are not in dispute, Citi/XXXX has acted unfairly and in a deceptive manner by continuing to apply my payments towards paying down the amount in dispute. Adding insult to injury, Citi XXXX continues to levy interest charges when there is no late payments whatsoever that would trigger such interest charges to be added. 

Based on my calculations, The entire amount that is not in dispute is all paid -up way ahead of the promo 's end dates. In fact, there is an overpayment which will have to be applied towards the amount in dispute bringing the amount in dispute from $ {$2800.00} per Citi/XXXX records down to {$2200.00}. This is the amount that I have to pay once XXXX XXXX XXXX has made the necessary repairs/to the bathroom. Henceforth, no more payments will be made since all amounts have been paid ( and overpaid ) leaving the disputed amount open and said amount in dispute will be paid upon completion/resolution of the matter that is the subject of the dispute.
WHY IS THIS STILL ON MY XXXX REPORT?!!!!! IT NEEDS TO BE REMOVED DUE TO ID THEFT!!!!! NATIONAL CREDIT SYSTEMS!!!!
All my student loans are with NELNET. I was never offered an income driven plan, even though I asked about it several times. Instead I was put into forbearance for years and incurred interest costs in the amount of {$35000.00}. The only other option that I was offered was to pay over {$2000.00} a month, and for sometime I had no job or I was making very little. They threatened me with ruining my credit or garnishing my paychecks.
On XXXX XXXX, 2016, I was informed that TCF National Bank had closed my checking account. This decision was made because, in the words of the branch supervisor and managers, that I forgot to send in a requested Questionnaire that would update my current information. They also claimed that that the questionnaire had nothing to do with the bank, but was requested by the " XXXX. '' Yet the letter that accompanied the form mention nothing about a federal agency, but only TCF policy. I sought help from your agency and from the best of their knowledge they told me that they could n't find any law on file that stated that the federal government would send a questionnaire and suspend my checking account because it was not returned. Furthermore, what I find most offensive is the fact that my assets are now frozen. My funds have not been returned to me, they denied automatic transactions between my creditors, and I ca n't withdraw my money. However, they are allowing deposits into my account despite the account being officially closed. I have been misled by bank managers, been cheated out of my finances, and caused great distress over this incident.
After multiple disputes they are reporting the credit card each month and it was charged off XXXX 2012. My goal is to have them remove the all the months reported as late after the card was charged off for multiple months.
I HAVE CONTACTED THIS COMPNAY WEEKLY ABOUT FALSE INFORMATION BEING ON MY CREDIT REPORT AND THEY HAVE DONE NOTHING!!! EVERY TIME I CALL THEM THEY CLAIM THEY HAVE PUT THINGS IN DISPUTE BUT THE WHEN I CALL BACK DAYS LATER I AM TOLD THAT THEY PREVIOUS REP LIED AND THINGS HAVE NOT BEEN PUT IN DISPUTE. I CONTACTED ALL OF THE COMPANIES LISTED UNDER MY INQUIRIES AND WAS TOLD THAT THEY HAVE NEVER RECEIVED ANY INFORMATION FROM TRANSUNION. I WAS ALSO TOLD THAT BECAUSE THEY WERE FRAUD ACCOUNTS THAT TRANSUNION SHOULD HAVE DELETED THEM IMMEDIATELY! THIS COMPANY HAS DONE NOTHING!! THEY HAVE A XXXX XXXX ACCOUNT ON M CREDIT REPORT THAT I WAS LISTED AS AN AUTHORIZED USER ON ... .THAT ACCOUNT HAS BEEN TERMINATED AND THEY STILL HAVE IT LISTED ON MY CREDT REPORT!!! I CONTACTED XXXX  XXXX AND THEY ASKED ME WHY WAS IT EVEN ON MY TRANSUNION REPORT!! I DISPUTED IT AND CONTACTED XXXX  XXXX AGAIN!!!! AND THEY INFORMED ME THAT THEY HAVE NOT HEARD FROM TRANSUNION!! SO THIS IS LISTED AS A NEGATIVE ON MY CREDIT REPORT AND IT SHOULD NOT EVEN BE ON MY CREDIT REPORT!!! THIS COMPANY HAS XXXX YEAR OLD STUDENT LOANS ON MY CREDIT REPORT AND I HAVE TRIED TO BE NICE AND WORK WITH THEM BUT THEY JUST GIVE DIFFERENT ANSWERS AND LIES!!
My consumer credit report is reporting incorrect information for a Chase card that was closed as of XXXX. The debt to the creditor was discharged on XXXX/XXXX/16, and they were advised of this, XXXX credit-reporting shows the condition of the account to be derogatory as well as a revolving account, and after speaking to multiple reps at chase on XXXX/XXXX/16 they are advising that the account shows charged off, and debt still owed to me in their system. As this information is incorrect and this is no longer a debt and is also XXXX old and should not be showing on my credit at all.
I disputed an alleged account that Midland Credit Management , Inc ( MCM ) is reporting in my credit file. On XXXX/XXXX/2016, MCM sent a letter where the state that they were opening an investigation regarding my dispute. On XXXX/XXXX/2016, MCM sent a second letter requesting my assistance to verify the accuracy of the credit information being reported. MCM has not provided to me any account-level documentation, such as, a signed contract, purchase and payment history, computation of fees, interest, etc..On XXXX/XXXX/2016, MCM updated/verified the accuracy of the information to XXXX but did not submit any account-level documentation to support the accuracy of the information disputed in clear violation of the FDCPA and FCRA.
I have received a lot of information on my credit thats not mines .XXXX XXXX, 3 XXXX  XXXX accounts, 2 XXXX XXXX, 2 XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX . Several inquiries. I have no bad information on my credit. inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX,   XXXX several times, XXXX, I have like 100 inquiries. I dont apply for anything
My name is XXXX XXXX and I purchased a XXXX XXXX from XXXX. The car was a defective car from the beginning. I continued to pay my car payments and also I paid for REPAIRS to the car. The car was under a RECALL/ CUSTOMER SATISFACTION and I was told to bring the car in, this is after I had paid for repairs to be done on the car. I had the first part of my repairs completed and was told to drive the car for 1,000 miles then come back. upon returning to get the other part of the repairs done I was told that I was over the limit of miles! XXXX was refusing to fix the car, foot costs for repairs. The internet was becoming OVERWHELMED with situations dealing with the XXXX XXXX. 
I VOLUNTARILY gave this car back to XXXX because in XXXX there is NO WAY I could continue to drive a car that didn't pick up speed, that would stall in the middle of 6 lane high speed traffic. It was a death trap. I am apart of the class action lawsuit against XXXX and I would like this account to be REMOVED from my credit report. For this car to be causing creditors to second guess my ability or willingness to pay is NOT FAIR! This car was found to be defective. MANY people have filed suits. I would like this account on my credit reports ( ALL THREE BUREAUS ) to be REMOVED! I have paid over {$3000.00} in repairs in which I am pursuing the courts to get reimbursed.
Experian, XXXX XXXX, XXXX - I have an old C.C. account ( XXXX ) - ( it now has new last four digits ) with XXXX XXXX. I've had this account for more than 12 years ( I'm not giving the exact time ) and I was 30 days late on a payment more than 9 years ago and they are still reporting me as having a late payment history. I have contacted all three credit reporting agencies and XXXX XXXX credit card services and they all give me the same reason for not having the item removed - " We are required by law to accurately report your payment history. If you can show proof that this information is incorrect simply submit your dispute in writing and we will investigate and then get back with you regarding our findings ''. Seriously! I'm not disputing the fact that I was late on a payment - but am I to be punished for the rest of my " credit '' life for being 30 days late ONE TIME - YEARS AGO? That's TERRIBLE! A XXXX  can get paroled and even a commuted sentence but a 1 time late payment stays with you for LIFE. Surely there is SOMETHING that can be DONE? Please help
I have settled my debt with these companies and they are still listed on my credit report. Some are as old as 2005. I owe no money and am trying so hard to repair my credit. I have 1 credit card and a car payment now but my history still haunts me. Please help me.
i started contacting them in  XXXX  concerning an entry of a bankruptcy. i sent a letter to clerk of courts office and was sent a letter saying this information belongs to someone else.transunion stated they used a third party to verify information but my report has security freezes on them.so they are being untruthful and is only suppose to take 30 days to investigate and it is way beyond that time.
They have call from different numbers repeatly and im telling them I dont have the money and they say well note the account and they say the calls well continue untill the debt is paid off
I initially applied for the Public Service Loan Forgiveness Program in the fall of XX/XX/XXXXwhen I graduated and began working. It took nearly an entire year for FedLoan Servicing to approve my application, then several more months of delay as they encouraged me to apply for a forbearance while I " just wait '' on them to approve an income driven repayment plan. In that time when I could have been making qualifying payments toward the PSLF program, I instead was told to " wait '' and essentially have wasted months when I could have either gotten credit toward the program or at least kept my overall debt from ballooning.
I initially applied for Direct consolidation for the PSLF program repayment requirements onXX/XX/XXXX. After following up several times, I received an update from them on XX/XX/XXXXthat my request was " still being processed. '' I followed up again with questions about the delay onXX/XX/XXXX with no sufficient explanation as to the delay.
My request was finally processed onXX/XX/XXXX - a total waste of 7 months that I could have been in repayment toward the PSLF program or at least paid the interest amount ( which they discouraged me to do ).
It took until XX/XX/XXXX ( over another year ) for them to acknowledge receipt of my additional income-driven repayment plan documents, which they requested. I am currently STILL WAITING for them to let me know what my monthly income-driven payment amounts will be for the next year. They sent an update on XX/XX/XXXXstating my income-driven repayment re-certification request will be processed after my " current schedule '' is generated on XX/XX/XXXX As of today ( XX/XX/XXXX ), I am STILL WAITING.
I have called and emailed numerous times to follow-up. The only responses I have ever received are " just wait '' or " it 's being processed. '' Meanwhile, I have been working at a qualified employer for over 2 years with only a few months having been counted toward the PSLF program, and now my payment credits are AGAIN being delayed due to " processing. '' I have been unable to get an answer from anyone every single time I have called customer service as to why it takes nearly an entire year for documents to be reviewed.
In one instance, after calling more than 5 times for confirmation they received my uploaded documents, I was told the page I submitted was somehow mysteriously blacked out across the bottom 1/3 of the page so they had not been able to process it but failed to let me know this. This was the excuse given to me despite the fact that I had confirmed their receipt of the document, in it 's entirety and that it was readable, nearly 4 months before this happened when I first submitted the document.
I fully believe FedLoan Servicing is engaging purposefully in deceptive and fraudulent practices to delay forgiveness timelines, discourage borrowers from actually paying toward the debt to increase overall interest accumulation, and giving consumers the " run around '' when they actually try to manage their debt.
I have contacted XXXX on several attempts about these accounts and inquiries placed on my credit file. These accounts and inquiries are not accurate information .. All the inquiries are unauthorized. The accounts that dont belong to me are XXXX XXXX XXXX XXXX These accounts are fraudulent as I was a victim of identity theft
I.M FILING A COMPLAINT BETWEEN XXXX XXXX XXXX XXXX, AND EXPERIAN. XXXX XXXX XXXX IS REPORTING I HAVE AN OBLIGATION TO PAY THEM {$3300.00}. THIS CONTRACT WAS CANCELLED I HAVE NO CONTRACT WITH XXXX XXXX XXXX. I HAVE ASKED XXXX XXXX FOR VERIFACTION OF A CONTRACT WITH MY SIGNATURE AND THEY PROVIDED A COPY OF THE TIME I ATTEND XXXX XXXX. I HAVE WRITTEN XXXX XXXX ON SEVERAL OCASSION DISPUTING THIS DEBT AND THE NEGATIVE INFORMATION THEY REPORT TO MY CREDIT FILE. FCRA SECTION 623 AND FDCPA SECTION807 ( 8 ) WHICH STATE THAT XXXX XXXX XXXX HAS A DUTY TO REPORT TO THE BUREAU THAT THE ACCOUNT IS BEING DISPUTED.
Equifax has been non-compliant with removing the unverified account XXXX   XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I opened a personal loan with  XXXX   XXXX   XXXX  in early  2017.   I reviewed my credit reports earlier and noticed that  XXXX   XXXX  listed    XXXX   separ ate accounts on my  XXXX  and   XXXX   credit reports.  One of the accoun t listed an account that was open for a month and then sold to another lender. A new account then appears which is the one which is still valid. I Only opened a single account and do not wan t   XXXX   account s listed on my credit report.
AES advised on a phone call that I recorded that my wages will be garnished but on a private loan unlike a federal loan, they will have to sue in court and obtain a judgment in court. Per Illinois law, they will have to prove that NCT owns this debt and has the right to collect on it. I have multiple recorded calls from AES where they are giving out incorrect information. The call on XXXX/XXXX/16 the rep told they will garnish my wages, he should understand there is a difference between private loans and federal loans, with private loans NCT will have to sue me and obtain a judgment. I have the call recorded as proof therefore AES is committing fraud.
have sent 4 dispute letters over the course of 5 months to Transunion disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. ACCOUNTS ( XXXX XXXX XXXX - XXXX ) ( XXXX XXXXXXXX XXXX XXXX XXXX ) [ XXXX XXXX - XXXX ] ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX
Nationstar Mortgage continues to generate incorrect monthly statements on my mortgage account since XX/XX/XXXX. Nationstar mortgage refuses to correct this issue and advises me to disregard the incorrect mortgage statements. My monthly mortgage statements do not reflect information on Nationstar 's detailed transaction history, which makes it difficult to properly track my mortgage account history. 
I filed a prior complaint with the CFPB, complaint # XXXX, which states that Nationstar has been charging me more than a 4 % late charge fee. Nationstar completed an investigation and found no errors and to be within legal compliance. Nationstar refers me to their " internal system of records '' as evidence to support their claim of " no wrong doing ''. My monthly mortgage statements from XX/XX/XXXX-XX/XX/XXXX clearly show late charge fees over the 4 % allowed by law. 
On XX/XX/XXXX Nationstar waived a late fee of {$100.00} this appears on my XX/XX/XXXX mortgage statement as XXXX separate fees being waived of {$50.00}. This is clear evidence of Nationstar 's illegal billing practices, when it comes to compounding/pyramiding fees. Nationstar is billing XXXX late fees, disguised as XXXX total late fee. Additionally if my account has been current since XX/XX/XXXX, Nationstar removed {$100.00} from my account on XX/XX/XXXX and XX/XX/XXXX. Where did the funds come from to cover these fees, if my statements do not reflect an additional unapplied funds balance? 
How can Nationstar conduct a proper accurate investigation on my mortgage account, if they are providing false and incorrect mortgage statements? These statements clearly do not match Nationstar 's " Detailed Transaction History '' that they are using as evidence to dispute any errors disclosed to Nationstar!
On XX/XX/XXXX : I received email correspondence from Navient stating that I had an upcoming payment due. With a due date of XX/XX/XXXX. I called them on the phone to discuss this, as my loans were paid off in XX/XX/XXXX. I spoke with XXXX  ( employee # XXXX ) who said I was accruing interest daily and need to pay my bills. When I explained to her there must be a mistake, my loans are already paid. She was unable and unwilling to tell me why there is a debt posted to my account after several years. I requested an account history and payment information, she refused to provide this to me. 
After the phone call, I logged into my Navient account where my account has been changed to reflect a debt of XXXX. The posted due date online was XX/XX/XXXX ( which is different then the email that said XX/XX/XXXX ). 
A few days later, I received an email from Navient saying there was new information in my account. I logged in to find that my account information had again been edited to now show I was 210 days past due on this debt and in default. There were also new letters added stating they had been attempting to notify me, this never happened prior to XX/XX/XXXX. As well as letters saying my account was over paid and refunds were made. The letters stating my accounts paid in full are also now missing from my account, but had been there previously. I also have copies of my paid in full letters. 
In summary, Navient is attempting to retroactively charge a debt to me that is not mine. They are wrongfully changing my account information. They are unable to provide an explanation for the debt and are threatening me by phone and email to garnish my wages for a debt that is not mine and can not be explained. Each person who calls gives me different information, there is no consistency, no attempt to hear my side, or investigate the entire situation.
On XX/XX/2018 I had the following PayPal debit from my XXXX XXXX XXXX account : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX debit from checking account : XXXX PAYPAL DES : TRANSFER ID:XXXX INDN : XXXX XXXX CO ID : XXXX WEB XXXX PAYPAL DES : TRANSFER XXXX INDN : XXXX XXXX CO ID XXXX XXXX WEB as Reconciled XXXX PAYPAL DES : TRANSFER ID:XXXX INDN : XXXX XXXX CO ID : XXXX WEB Merchant name : PAYPAL -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I called XXXX XXXX XXXX and they will be following up on this. But XXXX at XXXX XXXX XXXX Billing Disputes : XXXX-XXXX-XXXX told me that anyone with a PayPal account can take money out of your bank account without your authorization knowing only your checking account routing number and account number. Since this is on every check I write, it means that anyone I send a check to can get a PayPal account and start draining my checking account without my knowledge! I find that hard to believe, but XXXX insisted it was true. 

Can you confirm that this is true? If so, how can we stop this, I do not have, nor do I want a PayPal account. But I sure do not think PayPal should be able to take money from my account without my authorization whether or not they have my routing number. 

XXXX XXXX XXXX XXXX XXXX XXXX