WillisBack/dataset-financial-user-claim huggingface dataset:
I was enrolled in credit defense at Wells Fargo and i never signed up for it. I was charged XXXX since XXXX XXXX I think. I am only able to access my credit card statements for XXXX and XXXX and i added those charges to be XXXX. I then called Wells Fargo and they told me i was charged the {$1100.00} I have requested them send me that information so i have it and also i have requested all my credit card statements to be mailed to me but it will take XXXX7 business days. I have filled a complainant with wells fargo but they said they will get back to me in writing in the next 10 days and i do not believe them.
on XX/XX/XXXX I called bank of america and requested a new credit card. the old card I still had but never activated it and it expired in XX/XX/XXXX. I endured over 30 minutes of being asked asinine questions and being out on hold. after 30 minutes I told them what hey could do with their card! one question was what was your pets name that you last purchased poet insurance for? I explained I had had a pet for over 15 years! this was supposedly to verify who I was! I had the old freaking card in my hand! 
I wrote XXXX XXXX the ceo the first letter on XX/XX/XXXX. XXXX XXXX called from their enterprise resolutions department. I explained what had happened. she said she 'd research my concerns and call me back. SHE NEVER CALLED BACK! I sent XXXX the second letter on XX/XX/XXXX then a nedra called on XX/XX/XXXX. I went thru the dog and pony show all over again. she said she 'd research my compliant and call me back she also said tha I RECEIVED A LETTER AND PACKET FROM MCGRAFF. HAD THAT REALLY HAPPENED I WOULD N'T HAVE HAD A NEED TO SEND XXXX THE SECOND LETTER!!! she called back on XX/XX/XXXX and said she COULD N'T HELP ME I HAD TO REDO THE DOG AND PONY SHOW WITH THEIR VERIFICATION DEPART ALL OVER AGAIN. I POLITEY TOLD HER WHAT BANK OF AMERICA COULD DO WITH THEIR CREDIT CARD! 
I received a copy of my credit report dated XX/XX/XXXX. it listed bank of America as a OPEN AND VALID ACCOUNT IN GOOD STANDING. ALL I WANTED WAS A NEW FREAKING CARD! I might add that I got the bank of america card because ll bean had them as their servicer for their ll bean cards. they switched to XXXX about 5 years ago, hence the reason I was n't using my ban of America card! bank of America 's reps even said my account was in good standing. is this what our banks are allowed to do to their clients? thank you.
I contacted the Trans Union Credit Bureau because I pulled my credit report and found that there are blatant misspellings of my name, and incorrect names, and addresses, and places of employment on my credit report. I sent in DL, SS card, and a utility bill. I have made multiple calls to the CB and they refused to update my credit report, they say that they are checking into it and would receive a letter back as it should close on XX/XX/XXXX but all I received was a letter stating more information is needed and to send the same documents that I have faxed 3 x. Along with faxing the letters and proof of identity, and address multiple times I am getting now where with them.
Transunion I have inquirys that was fraudulent they do not want to take it off
Best Buy Citibank I went to BestBuy to buy an XXXX XXXX. I have XXXX credit score and only qualified for a gold card which is a sub-level card for credit deficient account holders, upon applying for the Department card I was told since my credit history is so poor that I only qualify for the gold card which means I have to pay for monthly financing and a {$59.00} annual membership fee instead of getting 0 % for the first 12 months. This was a deal-breaker I went home to call Citibank to find out why and was told that only because of my name and address was I denied the top-tier level because if it was only for my credit then i would qualify for the highest level. Citibank laughed at my frustration. The supervisor/manager literally laughed at me.
The following accounts has been disputed a few times, and Never once has any of the following companies nor credit reporting agencies ( Transunion, XXXX ) sent me any  physical verification of these accounts as promised by the FCRA/ law. However, the reporting agencies in opposition of the FCRA will only update my report without physical verification, these are the accounts in dispute ... 1 ) XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )
I contacted Lexis Nexis via their online form and requested to opt out due to having my personal information stolen after a home invasion. I provided the information of the police department, detective and case information. I explained that I was in fear of my safety as I was a victim of this crime and feel my safety is at risk. 

I received an email back stating that the information provided did not meet their requirements to have my information concealed. I than see that they are reporting on my credit report the address of my home that was not previously listed as it was not reaffirmed and XXXX states the information is from Lexis Nexis credit reporting agency. 

The public records is causing me fear for my safety and physical health and the information they are reporting to the creditors is not accurate and causing me to have problems with my credit history. 

I appreciate the assistance with having the issues with Lexis Nexis resolved. 

Thank you, XXXX XXXX
Shellpoint Mortgage Servicing is trying to foreclose on property they have no authority to do so. They have a modification of a XXXX, trust that is not even notarized. As a debt collector they will not even request a notary copy from XXXX ; in order for a contract/modification to be valid it must be notarized ; however, these folks do whatever they want and need to be stopped, this is shear nonsense. Nevertheless, they are in violation of the Fair Debt Collection Practice Act ; for non verification of debts ; not ensuring the correct debt amount ; etc. Shellpoint has dual roles and accordingly to FDCPA ; if a debt is transferred or sold in default ; then they are debt collectors and need to comply with FDCPA. 

The difference between a REIT trust and a REMIC trust and this is a good time to explain. Even federal bankruptcy judges have failed to understand the difference. This has become a subject of confusion, because the rules are different. A REIT can accept promissory notes endorsed in blank, while a REMIC can not ( at least in New York and most REMIC trusts are under New York law. ) A REIT is a Real Estate Investment Trust. The REIT is an actual corporate entity. It is a business corporation with all the rights of any other corporation. On the other hand, a REMIC is not. A REMIC has no corporate powers. It is a Special Purpose Vehicle ( SPV ) which is completely passive. It is a pass through entity. It cant conduct business. It cant take on debts. It cant own physical property or even cash. It can only hold promissory notes and mortgages. ( if endorsed ),
I did not record all specific contact dates with the company, however, here is the problem. I have a Master Card through XXXX XXXX which offers rewards including cash back of 1 % of purchases. My rewards points amount entitles me to about {$470.00} in cash. Starting in XX/XX/XXXX I tried to redeem the points for the cash to use to pay towards my outstanding balance. At that time the relevant web site that I logged into contained a message to the effect that rewards information is not available at this time, please try again later. I contacted the company initially in XX/XX/XXXX and I tried with the customer service rep to get me access but to no avail. At the end of conversation I was told it would be fixed soon. Well it is still not fixed as of XX/XX/XXXX. I have contacted the bank at least 10 times since XX/XX/XXXX and it is still not fixed. They keep telling me it is being worked on and wait some days and try again. I did that repeatedly which led to my calling the bank each time. Also I told the bank all I want to do is redeem the points for the cash so the website info does not matter. They told me repeatedly that absolutely no one at the bank can do that for me. There is no manual work around that exists and I am the only one who can do it and only through the website, which of course for 3 and one half months has not allowed me to do that. Supervisor XXXX who I spoke with today XX/XX/XXXX confirmed that. He could not help me other than to tell me it will be fixed which is what everyone else has been telling me for over 3 months. I am not asking for a great deal. All I want is to cash in my rewards points and apply the amount to my account balance. Synchrony has my money and will not give it to me. Please help. Thank you.
Dear CFPB In XXXX of XXXX I registered to take classes at XXXX University here in XXXX, FL. 
I applied for a student loan to help with expenses, roughly about {$2000.00}. 
Due to personal reasons that happened unexpectedly I was n't able to attend classes. 
I completed a course Withdrawal form within 2 days of school starting. 
I NEVER EVER ENTERED A CLASS ROOM. 

My application for student loan was processed and executed even-though the school had ample notice of my class withdrawal. To date Navient has been overbearing and hard to deal with in correcting this problem. Navient is garnishing my Social Security check of a {$130.00}. every month. I am on a fixed income due to major health issues and its difficult for me to purchase XXXX XXXX medication, because I barely can afford it. This amount may not seem to be a lot to Navient, but it is a matter of XXXX and XXXX for me. 

I have argued time and time with Navient trying to prove to them that I DID NOT ATTEND CLASSES AT ALL. They refuse to listen and just like that took liberty and garnished my fixed income of Social Security. After many months XXXX University system was able to find my letter of withdrawal and I forwarded that proof to Navient. 

Navient continue to ignore my request to replace all my funds and cease garnishing my Social Security even-though they have the proof that I did n't attend XXXX University. 

Please help me in resolving this matter for its making my medical position even worse. 

Thanks in advance.
Unknown account and no way I owe {$540.00} on a bill. Disputed and requested validation, never received
Already talk to company and told they have information I paid off the account. They told me that company did not report as hard inquire and only stated account was closed. Company was aware I closed account myself. 

This problem had occurred with two other credit card accounts all the same situation and issue as well. This issue consist of closing all the same day as well ( XXXX, XXXX, and XXXX XXXX ) after paying off weeks before.
In late XXXX, I was issued new credit cards with new credit card numbers because one of the cards on my account was last and the old credit cards were canceled. However, Chase continued to accept charges for XXXX from my son, who had access to my old credit card but not my new one. To date, Chase has accepted four unauthorized purchases totaling {$52.00}. I disputed the charges because my son is not authorized to use my new credit card but Chase refused to reverse the charges because I had made purchases from XXXX on my old card and told me to contact XXXX about cancelling my son 's XXXX account, which I ca n't do because it is my son 's account, not mine, and XXXX will not cancel an old card without giving them a new, valid card, which he does not have. I explained to Chase that I did not authorize the four XXXX purchases but they contend that because I authorized purchases from XXXX under the old card in the past, that I am responsible for all further purchases from XXXX ( and XXXX and any other merchants with which I have done business ) that continue to be made under the cancelled card.
Went in for XXXX on my XXXX under a health care provider that my Insurance covered. After an attempt himself to fix the issue my doctor had stated that it was imperative to get the XXXX done at XXXX. Being that it was the doctor requesting the XXXX it was a necessary measure. At first contact with XXXX I was astonished to hear that I had owed them a large sum of money. I am a XXXX student whom barely can afford to eat and have no way of paying off a medical bill like that. In initial talks with XXXX ( Current insurance provider ) they told me XXXX separate times that it was an XXXX and that they were not able to cover costs. I told them what had happened and assured them that it was the doctor 's wishes and not an XXXX. After the first, of XXXX failed attempts, to get it handled with XXXX I reached out to XXXX. I explained the situation to them and they told me they ca n't do anything about what kind of XXXX the doctor lists it as. Throughout my care I was passed along to XXXX or XXXX different physicians and I know that somewhere in the mix someone decided to list it as an XXXX. Additionally I went in to the XXXX being told that my insurance would cover costs and not once did I ever sign a patient responsibility form or have XXXX mentioned. My provider first hand did not adequately disclose the cost of service to me nor would they allow me to check on cost before hand. 

In my personal and professional opinion I do not owe XXXX or the collection agency any money what so ever. This debt was obviously sold off by XXXX to the highest bidder and I am sure that both parties are now profiting considering a medical organization would just write this off on their taxes. If this debt was transferred to a debt collection agency along with XXXX claiming a " loss '' on their income statement I am sure that I could take them both to court for tax fraud. I am prepared to do what it takes to get this off my record because I have maintained a decent credit history regardless of my many bills and debts I have taken out to provide myself with a quality education.
I have student loans with Navient that are set up to auto-pay ( which means I 'm never paying late/compounding interest ). This auto-payment satisfies my monthly interest requirement, so I 'm trying to make extra payments that are applied to my principal only ( I did this with XXXX and never had any problems ). 

On XXXX/XXXX/XXXX, I submitted an extra payment and sent in a message instructing that all of it be allocated to principal. On XXXX/XXXX/XXXX, Navient responded : " When a payment is posted to an account, it? XXXX first applied to the interest that has accrued on the account since the payment was received. The remainder of the payment is then applied to the principal balance. '' When I checked my history, I found that they indeed did not apply my payment as requested. 

So I tried again. On XXXX/XXXX/XXXX, I sent in another extra payment, and sent in a message instructing that all of it be allocated to principal. On XXXX/XXXX/XXXX, I received a response with a similar message : " ... funds can not be applied to the principal balance until all of the unpaid accrued interest has been satisfied. '' I know that they do n't have to do it this way because another lender would allow it.
I ordered an item at Macys in XXXX XXXX using my Macys credit card of {$160.00}. I made the purchase on " pre-sale, '' meaning I got a discount but could not pick it up until the next week. I decided to cancel the item and called the store to cancel the purchase, which they did. I was told I would not be charged unless I picked-up the item, however my XXXX statement showed the charge. I opened a dispute via the Macys online portal and called them to let them know the charge was in error. They told me they would investigate it and it would take up to XXXX billing cycles to review and I did not need to make a payment on the card. They told me this in writing and on the phone. ( Note, that charge was the only item on the account -- my bill is always paid in full. ) I started getting interest charges and late fees due to this disputed charge, which Macys reversed when I called them every month. I spent the next six months, through XXXX XXXX calling and trying to find out the status of my dispute and resolve the account. Then in XXXX, even though Macys told me multiple times not to pay the bill on the phone and in written emails, they reported me to the credit bureaus. They placed multiple XXXX, XXXX, 120 day late marks on my credit report which damaged my credit by over XXXX points. When I called and told them I was just following their written instructions, they told me there was nothing they could do. They could not remove the derogatory information until the dispute was resolved in my favor. After many HOURS of calls over a period of months, I finally spoke to someone competent who researched my case and found the dispute WAS actually resolved in my favor in XXXX XXXX but Macys " forgot '' to process it! She told me someone dropped the ball in the dispute department and never sent the file to the credit department. She told me they were updating my account to show a {$0.00} balance and they would put a rush to remove the derogatory credit reporting. However, it has been a month and Macys is STILL showing the full balance, adding more late fees, and my credit has not been fixed. I now have a letter from a collections agency from Macys. 

I have spent hours and months trying to repair this issue which is completely Macys fault. They charged me for something I never got, they did not properly handle the dispute, they told me not to pay then trashed my credit, and now they told me it is being fixed and nothing has happened. This company is negligent and has tarnished my credit because of their negligence and fraud.
I called the company on XX/XX/XXXX about my car loan that was bought in XX/XX/XXXX and asked about payments, and asked why my principal balance only dropped around {$800.00} in 2 years, I have paid over {$9400.00} to them and I still owe almost what I financed. The service rep tried to tell me that if payment was due on the XXXX  and I did not make the payment till the XXXX or XXXX that all the payment went to interest. I don't understand how the are figuring this out, because most companies have a 5-7 day grace period. I need better understanding of how this works..
Persons from the CBE Group, based in XXXX, NC, keep calling me about an alleged debt of {$670.00} owed to the USPS for unknown reasons. When I spoke with a representative - who refused to personally identify themselves - and they told me why they were calling me, asking how I would take care of this matter, I asked what the alleged debt was about. They refused to tell me. I told the representative not to call me again and that I do not want them to contact me. This has gone one at least five more times. I refuse to answer subsequent calls.
To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is Chase Card I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
The PMI was not automatically removed from my account when it reached the 78 %  LTV ra tio. The origional loan amount was for {$190000.00}. On  XXXX / XXXX / 2016  the remaining principal balance was {$150000.00}, just below 78 %. Since then they have still charged me {$97.00} every month for the PMI.
I was issued a merchant credit on XXXX/XXXX/2015 and it simply did not arrive on my credit card. This was due to the fact that the original card had been breached and a new number issued. The Big Bank told me in XXXX of several calls I made that they had no technology to move the credit to the new number. After at least XXXX phone calls I completed and online chat and was told they would be able to send the money ( in cash ) to my bank account but it would take 2-5 business days. Surprise after 5 days NO money. I reached out again -- -this time an online chat agent told me the exact same story -- -ANOTHER 2-5 business days and this woman told me to print out the chat as her word that it would happen as she said. GUESS WHAT -- -another 5 business days and no money. I now went into a branch to speak to a live person who called the big guns and when I left he told me that it would not be 2-5 business days but likely LONGER. NOW this bank has held MY money for 38 days. If I pay late I am charged interest but its OK for them to hold my money well over a month with no repercussions? I finally recognized the power of social media and when I posted on FB I got a fairly immediate response HOWEVER now the credit has posted well past the original date of the charge forcing me to pay for it and get my money back when I next pay my bill thus extending the time I am out my money. I feel i should be compensated in some fashion for the HOURS of my time spent chasing my own money AND having to wait for it. If this were a regular bill since they owed me the money the bank would have to pay me late fees and interest. Today I received a call form the social media team who were somehow able to get the credit sent to my new card ... funny how no one could do it before.
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent certified letters in  XXXX  in reg ards to this issue and have not heard back from  XXXX , Equifax and  XXXX . They are all dated for the year of 2016. I would like for the below inquiries to be deleted. '' I have explained myself about the the email system of   XXXX   being breached. I even had to call to remove addresses that I 've never lived.