WillisBack/dataset-financial-user-claim huggingface dataset:
I was enrolled in the disaster forvearance program due to be unable to pay my morgage. The progam ended on XX/XX/XXXX. During the period of the forvearance, i started the process for a disaster modification loan. I spoke with a representative in XX/XX/XXXX to check the status and she said that i will receive a letter with info about the amount and next steps. The representative told me that she knew for sure that the due date for my first trial payment of the Disaster modification was XX/XX/XXXX and that it will be less than my current morgage payment. I waited until XX/XX/XXXX, and with fear that i will miss the opportunity for the modification, i made a payment of {$820.00}, being that amount a little bit greater than my current mortgage. I received a letter XX/XX/XXXX stating that I was approved for the loan modification, and that the amount to pay was {$810.00}. I call XX/XX/2018 to confirm the payment that i made online and the representative told me that they had distributed the funds towards XXXX payment. I told the representative that the intent of the payment was for my first trail payment and explain that since a knew the due date but not the amount, that was the reason it was made for {$820.00} instead of {$810.00}. The representative told me that it was ok and he will submit a request so the fund were redirect to the trail payment. I never heard back from them until XX/XX/XXXX when i received a letter stating that my first payment was not received. I call and talk to a representative, and explain to her that i did in fact my my 1st trail payment and was ready to do my 2nd one. She said that they can't accept my 2nd payment because i did not made my first one. She told me that she will submit a request and i should follow up within 25 to 48 hours. I call 48 hours later and explained my situation to the representative, then was transferred, then transferred again until a representative told me that she had spoke with her supervisor and that they will make a request and accept my 2nd trail payment. Received a letter XX/XX/XXXX confirming the payment posted XX/XX/XXXX. XX/XX/XXXX received a call stating that i have not made my 2nd payment. I explained the situation and i was told that the payment iform XX/XX/XXXX was posted as my first  one. I told them this is my 2nd payment. That the first XXXX was for {$820.00} onXX/XX/XXXX, the 2nd one on XX/XX/XXXX and my third i have not done it because is due XX/XX/XXXX. They said that the only thing to do is submit a request for the payment in XX/XX/XXXX. This is been an outgoing problem and every representative is telling me that they will fix it they will fix it that everything is okay when in reality I receiving letters and calls saying that I'm not making my payments. This is not letting me focus in my work and keeps me strees at my home.
On the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent disputes to Experian to investigate the incorrect reporting of a XXXX account ( XXXX ) on my credit. <P/>The most recent communication I had with Experian was through a CFPB complaint I submitted in XXXX. I also submitted a similar complaint with XXXX who had also been reporting this item inaccurately on my credit. <P/>After XXXX initiated an investigation, this account was promptly deleted from my report when it could not be verified as accurate or complete on my credit. I am including an attachment with XXXX  's exact response showing the results of their investigation. <P/>Experian, on the other hand, provided a different response. They stated the following : " Per your previous requests to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree on three occasions. They responded and verified that the disputed information was accurate as reported. The result summaries were sent to you for review on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. '' Experian 's response shows me that my complaint was not even taken into consideration because they reiterated that they had already responded to my dispute on XX/XX/XXXX. It was automatically disregarded as frivolous despite having information that stated and supported otherwise. <P/>The issue is that the account is not even supposed to be reporting on my credit at all. <P/>I do n't understand how this can be possible? How can XXXX and Experian 's investigations yield two different results and outcomes? This does not make sense and only leads me to believe that Experian did not properly my process my dispute when I last sent it to them in XXXX. The original complaint case number for my previous dispute to Experian was XXXX. <P/>I am submitting this complaint because this account needs to be completely deleted from my credit report. If this XXXX account is not deleted, I need a detailed explanation of Experian 's findings and I need a clear response as to why they are getting different information than XXXX for the same dispute.
My BB & T checking account is negative because of some fraud and authorized transactions. The fraud transaction have been credit back, but not the overdraft fees associated with it and my account is still negative because of a merchant who has informed me to do a charge back with the bank and the bank has yet to honor this charge back causing my account to continue to be negative and occur more daily fees because of it negative balance. A place an order around XXXX time with a company named, " XXXX '', the initial order was cancelled because my bank blocked and I had to verify who i was and that it was me placing this order ... i did just that and the order was approved for processing with the merchant. Now days into the order being processed with the merchant, they wanted me to verify my identity with them and i did just that sending in copies of my id, bill, proof of address. The merchant then informed they were gon na cancel the order ( I 'm lost at this point ) Days go by XXXX is approaching ... The merchant without any notification to me says my order was shipped then i get a notifcation that it was signed for. Now I dont know if they actually sent the order out but now i open a claim with both the merchant, my bank and XXXX  post/usps .... Everyone has concluded their investigation and the merchant has informed to do a chargeback with my bank .... The bank is now telling me I have to wait 29 more days and accumulate XXXX dollars a day in overdraft fees assessed daily ... ... .. this is not fair to me ... ... ..
I had sent a money order to USAA Bank to deposit into my checking account. I had sent this money order express mail on XX/XX/2018 and the express envelope got to the bank XX/XX/2018. I had tracking on the express envelope. I called the bank the next day XX/XX/XXXX to make sure the envelope got there and that the monies were deposited to my account. The representative that I talked to said that there was no envelope and that it would take 24 hours to the next business day to process the money order. I called a couple of day later and the representative said that there still no sight of the envelope and it would take 48 hours to process. I call again a couple days later ( XX/XX/XXXX ) and the representative said that was no envelope and that an investigation would be warranted. I get a call from the USAA bank investigator and she said they found the envelope, but the money was not in envelope. Either it was misplaced or taken out for unknown reasons. This bank took two weeks to find an Express envelope I sent to them two weeks ago and then when they do find it, the money is gone. 

Tracking for money order - XXXX
XXXX/XXXX/17 went to make a purchase with the company card and instead used a personal debit card. Realized the mistake immediately and was issued a credit on the spot. Wells Fargo refuses to issue the refund to my account and are stating their policy is they can take up to 10 days to issue the refund. I contacted the local Wells Fargo, and three online representatives and they just say its their policy. This seems like fraud to me and especially since my account is now overdrawn. Is this an acceptable policy where they receive the money back but can hang on to it for a while collecting interest???
Discover Financial Services keep running my my credit report ( score ) without my authorization and they have done it and multiple occasions
XXXX XXXX XXXX contacts my house numerous times a day at all hours of the day attempting to collect a debt for a XXXX XXXX. I do not know who this person is nor have I ever known who this person is. I have told multiple people with this company that I do not know this person and they continue to call my house multiple times. Yesterday they called 7 times including immediately after I spoke to someone and told them they had the wrong number and I do not know this person.
I have a few XXXX credit card account 's with my wife, however, there is an individual past due XXXX account listed on my credit report, as an individual account. I have never had an individual account with XXXX. I have asked for copies of documents, to no avail. This is not my account.
Bank of America About ten years ago i had an account with Bank of America, but their fees were so high I cancelled after two months. I had a safe deposit box which i cancelled as well, but three years ago i got a bill for {$75.00} which was I thought resolved and they closed it with no charge.

But today I received a letter saying to return keys and pay XXXX I have no keys and this was supposed to have been resolved three years ago.. I want to know why all of a sudden i get a bill?
Portfolio Recovery Associates , LLC, have called me, sent me correspondence, I explain my financial situation. My parents called to inform me that the company called them, how the company got my parents number I do n't know, I called them company and asked them to remove my parents number from their list. But I 'm beyond upset when my XXXX year old son, told me he received a call from XXXX XXXX hounding him. This is my debt, not my parents or children this harassment need to stop
My account has been closed twice in under 3 months by Chase. I was charged fees for not maintaining a minimum balance because the bank ( Chase ) withdrew money from my account. I have not had access to my money for nearly 3 months and now I can not access my money and I am refinancing my house tomorrow and this is causing difficulty in me being able to make the payment to complete the refinance.
Wells Fargo sold my loan to another provider ( XXXX ), however, they are reporting to the credit report that I have an outstanding charged off balance. Additionally, the account is over 7 years old and should be removed from my credit report. Wells Fargo refuses to address the duplicate information and refuses to remove the outdated accounts.
I did not authorize ( XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX All Banks XXXXXXXX XXXX XXXX   XXXX Inquiry  from XX/XX/XXXX XXXX Banks XXXX XXXXXXXXXXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXXXXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies )
I had an recent open collection with XXXX. I contacted Enhanced Recovery Company, LLC and told them that I want to pay collection amount in full which was {$160.00}. I provided them my debit card information an authorized to charge me the full amount owed. They provided me reference number as a transaction confirmation and told me that will update all credit report that collection paid. Instead they reported new collection account for XXXX XXXX that is more than 8 years old for amount {$380.00}. 

I never received single phone call nor letter from collector regarding this both collection accounts. I know under The Fair Credit Reporting Act debt collectors must notify in writing about attempt for collecting debt. They are not allowed to report a debt to credit agencies if it is more 4 years.
I 've been submitting the information to be removed from my credit report about bk-dismissal and XXXX and Equifax are the only bureaus that keep reporting to my credit report. I 've called the court and they informed me that they do not report to the bureau. I 've been disputing this for over a year now.
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX Number Num : Balance {$590.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
This is starting to get very upsetting. XXXX XXXX XXXX has erroneously stated that an account from XX/XX/XXXX is included in a bankruptcy that does not exist!!!! My bankruptcy was discharged in XX/XX/XXXX before I ever even HAD a XXXX XXXX account. This company has brought my score down 29 points because of this erroneous reporting on my XXXX and XXXX credit reports. I ask that this account be removed from my credit reports immediately
Bank of America Account Problem The problem occurred when my wife deposited XXXX checks in our Bank of America checking account on XXXX XXXX, 2015. She did so at our local branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The XXXX checks were in XXXX and totalled XXXX XXXX. Copies of the XXXX checks are attached. I told my wife to expect a dollar total of roughly {$1000.00} and I have attached copies of both a manual deposit slip prepared by the teller and also an electronic transfer slip, both totaling {$1000.00}. I checked my account later that day and saw a deposit of {$1000.00}. I have no idea why the cents should be different but this did not concern me greatly, I assumed that this was the deposit of the XXXX checks. I saw an unexpected correction of ( {$770.00} ) at around the same time and began to investigate this entry. When I called the service number on my ATM card I was told that it was to correct the check deposit which was only XXXX check and not XXXX. I was astounded and asked to speak to a manager to find out what was happening. I spoke to XXXX who confirmed the story about there being only XXXX check. I pointed out the deposit slips prepared by B of A in the branch and explained to her it was impossible for the XXXX check she could see to equal {$1000.00}. I explained that the deposit slip was proof that there had been another check and asked her if they could have lost it. She was indignant and told me she could do no more for me and I should go to the branch on Monday. I told her the bank had no authority to take money out of my account without my permission when I owed them nothing. I was extremely angry. Her response was- '' whatever ''.
A loan was taken out for XXXX and disbursed XXXX/XXXX/XXXX and out of school date was XXXX/XXXX/XXXX under loan # XXXX. Co-signer #. XXXX. Payment of XXXX was made in XXXX/XXXX/XXXX and late fee of XXXX. The account balance should be approximately 14,000 with interest and late fees. In the mean time IRS refund checks under XXXX XXXX XXXX XXXX From XXXX - XXXX are being sent and directed to U.S. Dept of education national payment center, XXXX. XXXX XXXX, XXXX XXXX XXXX. I am told that the account was referred to this company for collection. This company created a new account under XXXX and claiming the amount due is XXXX. I believe that the aes and this company is accepting and making the account owed double. I would like to have the IRS make this company send those funds to the proper payment center in XXXX XXXX where the account originated. I would like to have the daily compounded interest and late fees adjusted properly from XXXX. Any questions please contact me at XXXX or email me at XXXXXXXXXXXX.
My Lender will not give me a Loan Modification on my Father : s Home my Fsther Died and left me his Property so i am the Administrator of his Estate but this lender will not work with me on a Loan Modification and the lender has a sale date and the lender will not work with me so my home is going to sale
I found out about Public Service Loan Forgiveness in XXXX and inquired about it with Sallie Mae now Navient who was my loan provider. I asked to consolidate my loans and specifically asked if I was on the correct payment plan for PSLF and was told by the customer service rep that everything was correct. It wasn't until XXXX that I learned by checking on my status that my student loans had to be transferred to the PSLF for it was never done. I contacted Navient in XXXX to begin the process of having my loans transferred for PSLF. I again asked the customer service rep if I were under the correct payment plan to qualify for the PSLF and was told yes and it looked like I would received credit dating back to when my loans were consolidated in XXXX. Just last month I learned that none of my payments prior to XXXX counted toward the 10 year PSLF program which meant that I made 4 years of payments for nothing. Also I learned that my payments would have been less had I been under the correct plan. I was told by Sallie Mae and Navient that nothing could be done and they were sorry that the customer service rep was not well trained in PSLF.
I was n't not informed by Big Picture Loans of the 614.736 annual rate. I borrowed {$500.00} and was told I would have to pay {$120.00} in interest. I did not know the {$500.00} loan would cost me {$1900.00} totaling {$2400.00} for the entire loan. I have currently made XXXX payments totaling XXXX.
On XXXX XXXX, 2016, I checked my credit report and all my inquires were deleted from my credit report. I filed a complete with cfpb and the issues was resolved. All of the inquiries that were previously on my credit report has been deleted. However, the inquiries on my Equifax and XXXX are incorrect and needs to reflect the same as my XXXX credit report.
On XX/XX/XXXX, I noticed three consecutive unauthorized charges on my account from that date. The first was to XXXX XXXX DVRS ( a known fraudulent charge ) for {$10.00} from XXXX XXXX, Florida. The next two were both to XXXX XXXX in XXXX XXXX, New York one for {$67.00} and the other for {$200.00}. I contacted XXXX XXXX immediately and had to talk to 3 different people and was told there was nothing that could be done at that time as the charges were only pending but I could contact the companies responsible for the charges and have them reversed. I contacted XXXX first and was advised they had no record of the charges in their online system. They were charges made at a retail location and I would need to contact my bank to have them removed. When I called the number XXXX XXXX provided for XXXX XXXX, I was advised that this number was no longer in service. I contacted XXXX XXXX again on XX/XX/XXXX regarding the charges again. The two charges from XXXX were no longer pending and I was advised they could be removed if I called back once they were not pending. This time I was told all they could do was issue a dispute and I would not get my money back but they would issue me a new card at no charge. They charged me {$5.00} for the card and no dispute was submitted. I called again on XX/XX/XXXX and was told to stop calling because I was responsible for all the charges because I gave someone my card and I would not receive and credit or a new card and my old card was now cancelled so I would have no way to access my funds going forward unless I transferred them to another account and paid a fee to do so every time. I am out the {$280.00} stolen from my account plus the {$5.00} and have lost several hours of work trying to get this resolved. I also am in Ohio and have been the entire time these charges were made which should tell them that I could not possible make it from XXXX XXXX, New York and back to Ohio to call and dispute the charges or even make the other charges on my account in my area that same day. The representative named XXXX advised me that I can not give people my card and then dispute the charges just because I do n't want to pay for them. When I told her the card was never out of my possession and I did not authorize anyone to use my card. She told me " Yeah right. That 's what they all say ''