WillisBack/dataset-financial-user-claim huggingface dataset:
I should have received a deposit from the IRS of {$6800.00} on  XXXX   XXXX ,    2017 and the money was deposited into the wrong account. I have contacted the IRS and at this point I was given the conclusion that its up to Navy Federal bank an d  XXXX   XXXX   XXXX    XXXX   to return the money since it was deposited to them. I have contacted both banks and the money is in an account with Navy Federal Credit Union.  Navy Federal stated to me there is nothing that can be done and could not provide  any service to me. The money is in an account with Navy Federal Credit Union where I also have an account with. I have been dealing with this situation for the past 3 months and would like to come to a solution.
Searching for a hotel room on the XXXX website I came across a banner at the bottom of the web page which offered a {$200.00} statement credit after 1st purchase. I clicked on the banner and was redirected to a site where I applied for the credit card. After receiving my 3rd statement, I called to inquire as to why I had not received the {$200.00} statement credit ( the promotional offer ) that had convinced me to apply for the card. The first person I spoke with said that they could only put in a request to look into the matter. I then asked to speak with a supervisor. The supervisor I spoke with said they could only provide me with another offer, which was XXXX reward points. I explained that the promotional offer they were trying to offer me was not the original offer that had convinced me to apply. So, I requested to speak with their supervisor and was kindly connected. The third person I spoke with, XXXX XXXX in XXXX, claimed that they could not " downgrade '' me to the original promotional offer because of policy. I explained that it is frustrating to be offered one thing and then given another. I asked her if I could speak with her supervisor and XXXX 's response was that her supervisor was " not a phone supervisor, '' so I asked how I could get a copy of the transcript of the conversation. XXXX 's response was " with a subpoena. '' It is exceedingly disappointing that Chase would use bate and switch tactics. It is clear that Chase would rather have XXXX provide me with a promotional offer of XXXX points as opposed to Chase having to provide me with the {$200.00} credit statement. However, the most appalling part was that I was antagonized to take legal action by XXXX XXXX, this type of conduct is irresponsible and unbecoming of a customer service supervisor. My prayer is that Chase honors the promotional offer that convinced me to apply for their card and that both XXXX and especially Chase take the time, effort and resources to deliberate if this is how they wish to treat their customers.
On an ongoing basis, when I receive my XXXX 's bill, I pay the balance in full. Each time I pay the balance in full the following month I receive my statement stating that I owe {$2.00}. Each month I call and the automated system then removes the {$2.00}. This month I was frustrated with having to call each time to have this removed. I am sent a bill, I pay the full balance of the bill, in the correct amount of time allotted, yet I am charges and " interest fee '' for the balance. Who is to say if I pay that {$2.00} they will not charge me another " minimum interest fee ''. When I spoke to a representative, they explained this is the interest generated on the account from the time the previous statement closes until the payment is received. Here is my problem which I will attach 4 statements to clarify, in XX/XX/XXXX I paid off {$82.00} and change bill, I received a {$2.00} interest fee for " the accrued interest from the previous statement until I paid it off '', in XX/XX/XXXX I paid {$49.00} to pay off my bill, a lower amount that XX/XX/XXXX, yet my accrued interest on a lower amount was the same {$2.00}. My feeling is, if I pay a bill off, I pay it off, there is no other interest if paid in that statement. The {$2.00} is way of XXXX 's either making people feel they underpaid their statement and they are collecting it, or people do not notice it and the next month have a {$27.00} and a 30 day late penalty on their credit, because of a late payment and thinking they paid the bill off. 
This is a sneaky business practice needs to be corrected.
my Barclaycard credit card account credit line was reduced from XXXX to XXXX, this action causes major change in my credit score, because it maximizes card over XXXX % thereby reducing credit score, all payments are on time, never late! I HAVE XXXX CREDIT CARDS, AND THE ONLY ONE THAT REDUCES CREDIT LIMITS IS BARCLAYCARD!
According to XXXX University, I received an over payment of a refund on one of my XX/XX/XXXX Student loans in the amount of XXXX, however this amount was a charge for hard-copy books from the Spring XX/XX/XXXX semester, which was incorrectly charged to my account because I was an XXXX XXXX, I did not receive hard-copy books. I did contact the book vendor, XXXX at XXXX XXXX and she had no record of my receiving said books. when reviewing my XXXX acct I saw XXXX has carried this charge since XX/XX/XXXX adding it as a collection account on my credit report in XX/XX/XXXX. According to the Federal Student Aide Information Representative that I spoke with XX/XX/XXXX, I do not owe XXXX any monies, I was not overpaid on any refunds and XXXX was paid in full and my XXXX account was closed. I recently reviewed my credit report I sent in adispute and in the results if that dispute, I saw a collection acct had been added to my credit report by XXXX for this amount and this is how I found out they are saying I owe them XXXX.
Many issues. Told in the beginning that I needed to get behind on mortgage to qualify for HAMP Program, I did and paid many late fees and attorney fees. Recently applied for the HHF Program, told I would qualify, WFHM stated that since they did not administer the HHF Program " In House '' for the State of Florida, they would not postpone Foreclosure hearing however, if I lived in a State that they did administer the HHF Program, they would have postponed the hearing. Many, MANY other issues, lies and untruths told over the past 6+ years, I am currently conferring with an attorney regarding filing a lawsuit against WFHM .
I recently obtained a loan from BB & T bank in XXXX. In order to gain access to the online account I needed to open a checking account even though I had no desire to, but i did bc I wanted to see the loan online. The minimum deposit was {$100.00} which i made. I never used the account however when I looked this year, XXXX XXXX, I realized the account was shut due to being charged successive months on inactivity fees. I am very upset that this type of blatant gauging is still allowed. I received no notifications from my bank of the inactivity fees and was not aware of the inactivity fee when I opened the account
Called today at XXXX XXXX/XXXX/2016 and requested a mailing address to send mofdification paperwork requested it was on a recorded line and the gentlemen kept stalling for he wanted me to fax I responded no I need mailing address he played games and refused to provide .I terminated call .Wells fargo continues to give borrower to buy time for the home is in land court in massachusetts and I believe wells fargo is delaying so they can buy time to obtain judgement and take my home .THIS IS WRONG AND IS A VIOLATION OF XXXX
Im convinced my identity has been compromised because : I received a credit card from HSBC Bank USA, N.A. which I did not request. A scan of that card and letter are attached ( XXXX XXXX HSBC Card.pdf ). Note the Reference Number : XXXX. 

I contacted HSBC and they had a great deal of information about me including : correct name and address, Social Security Number, Credit Report and Date of Birth. Possibly more but that was enough to convince me I have a problem. 

A scan of the card and accompanying letter has been uploaded. The file name is " XXXX XXXX - HSCBC Card.pdf ''.
I took this loan out with americredit financial thru the car dealer XXXX in XXXX, pa. The loan was taken over by GM financial. I made my payments. When the loan was drawing to a close, they said i owed twice as much as what was actually due on my car. I questioned this when the loan was transferred from one company to the other, and no one would respond. Towards the end of my loan, I was also involved in a XXXX situation, that, given the amount they said I still owed on this loan, there was no way i could continue to pay it. The person i was involved with hacked my checking account and ran my account negative XXXX dollars. I had no choice at that time but to let them reposses my car enlight of everything.
My father passed   XXXX   XXXX  . He left me a home as transfer upon death dead. The home was legally recorded in my name   XXXX   XXXX  . The home has mortgage with  Chase mortgage.  I kept mortgage up since my father passed until last year I fell behind because of loan with no escrow to pay property taxes. The property taxes got behind and I was forced to put in payment plan to pay past due taxes and current. I tried to talk to chase to see if I could n't modify loan but all the sudden chase mortgage wo n't talk to me REGARDING my  dad 's  note to house I now own. When i was current they did but now they wo n't. Please help so I can fix this problem. There is equity in home. I could repay if terms were different or buy loan in my name whatever it just do n't make since to foreclose on willing and able heir of home
I tried to refinance my home from a 1st and 2nd mortgage. I got it done but the second mortgage holder Ocwen Loan Servicing LLC placed a lien on my property because of a mistake they made. They charged me through my home owners insurance co. This was suppose to be for an escrow with them which I never HAD with them. Now they are harassing me to pay them for the error they made in order for them to move the lien from my property. I do not owe them anything. I feel they made the error they should correct it with out me. I had nothing to do with it. {$88000.00}. There is not a escrow on a second mortgage. They called it a Escrow Advance. What?
I received a letter from American Express inviting me to take advantage of a lower interest rate, and when I called to arrange it, they wouldnt give it to me. I find this to be false advertising, and they should not be allowed to market offers to people when they know they will not honor them.
Indiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX I have no idea what this is. I was not in Indiana in 2015
Reference CFPB complaint # XXXX,XXXX ; XXXX I stayed the same as in the first complaint. For the third time, Experian has closed the case, writing the same as in the first and second complaint. The only thing I 'm asking Experian is to give me evidence of the veracity of the information that appears on my credit. Experian answers that they verified with the creditors and that the information is correct. I ask again, where is the writing from each creditor that says that information is accurate? The law is clear : If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Experian said they verified and my disputed information was accurate as reported ; and in the second complaint, Experian says they can not do anything because they needs account information. This is unacceptable and I feel outraged. So, here I send you the information requested on complaint # : XXXX : USBANKRUPTCY XXXX : ACC # XXXX : ( XXXX ) XXXX XXXX : ACC # : XXXX : ( XXXX ) XXXX XXXX : ACC # : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX ; ( XXXX ) XXXX Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to  provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.
Years ago I detected companies I paid to XXXX were reporting my accounts as closed except for 3 out of many, why, I was told by some that's because I renewed my loan. 

I responded, l have a balance whether renewed and the old account information should not be serviced as a different account, it should never have been reported to the credit bureau I was ignored! 

After several years companies are reporting updates of closed accounts year after year after year! Which allows them to stay on my report forever instead of being deleted! 

They are using my credit report to input information without authorization for defamation purposes. 

I have open accounts being reported and the same account is being reported as closed. 

In some cases, the company changed their names and are reporting closed in 3 different company names and opened at the same time.
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department of these fraudulent accounts and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 

Also in accordance with the Fair Debt Collection Practices Act 2009, I am asking you to immediately stop all collection activities about this debt, including reporting to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of Identity theft, and can not be collected, sold or transferred. 

I have already notified XXXX XXXX and have sent over all the necessary paperwork, I am also asking Michael & Associates , PC to do the same as stated on the Fair Debt Collection Practices Act.
My first statement from the company was sent directly to my husbands ex wife at her address instead of mine which was provided on the application for credit. I was told by the company that this was a USPS problem but upon receiving the statement from my husbands ex, it was sent directly to her with no yellow sticker on the envelope & the USPS management not having anything on record.
Dont have a amount and dates unknown there are several inquires on my r eport thats unknown and unknowledgeable i would like for them to be removed off of my credit.
It's plain and simple they have been calling me before XXXX. I believe they have called at XXXX once and this morning they had called at XXXX. Both of these times waking me up and disrupting my sleep.
Pyments were twice a mth. Bcause of personal issues. Requested once a mth pymts. They said ok. Well bcause of same issues was already late for XXXX pymnt. I was called by WHO I THOUGHTwas the collections dept. I agreed to make my mthly pymt higher the XXXX of the next mth. So a few mths go by all is fine, but when I think its my last draw and should be 1/2 a draw bcause they did a XXXX draw that i was n't expecting a full pymt was taken and I found out at that time that they were not the company I contracted with, but a collection agency. When I called them, they refused to give me back my money. The lender was XXXX. The last draw they took was XXXX/XXXX/16 for XXXX. I recieved an email from them XXXX/XXXX/16 approving the renegotiation payment date. My balance was roughly {$2700.00}. When i recieved the call in XXXX I thought nothing of it, because I was late, and I figured they wanted to up the payment. I was in my car at the time, and I had people in the car with me. I agreed to the upped payment gladly, and made the payments gladly, because as I said i thought I was talking to XXXX!!!! Once that over draw came out and I called them and found out they were debt collectors, I was horrified!!!!! I told the to listed to their tapes, and they could easily tell that I thought I was talking to XXXX because I even mentioned the young man who called me initially when I was running a week behind on my payment. I told them to give me my money back!!! So far they 've refused. Ive been going back and forth for some weeks now. I want my money back. As far as I 'm concerned they 're thieves. I know they could tell that I thought I was talking to XXXX. When I said that to them, their response to me was " Why do you care who gets the money ''!!! They owe me a minimum of {$220.00} and I want it back. They 're Liars and Thieves. I hve the emails from elastic, my bank statements.
Opened a secured account to build credit now my score is the middle XXXX and the account has been over a year close to 2 years and Discover refused to return the {$250.00} dollars deposited. 
Month after month saying I do n't qualify for promotion to the next level. However, I have received two major credit cards in which 1 is {$4000.00} limit and the other {$1500.00}. Furthermore, I have never been late and Discover is trying to say because of their system glitch that a payment defaulted back to my husband 's account which he closed. Discover received a NSF on a payment. However, I called 24 hours later and talk to rep at Discover which she verified my statement an no fee or late payment was reflected. 
What will it take for Discover to do the right things for the consumers or will we see years later a class action and government fines like XXXX XXXX?
In XX/XX/XXXX, my partner passed away and I was namedthe personal representative of the estate. Since XXXX XXXXI have been attempting to work with Wells Fargo to completea deed in lew of foreclosure. Wells Fargo has assigned mycase to many representatives who tell me that this is basicallyapproved, then not approved, then it is assigned to newperson. Wells Fargo had stated on the phone, of whichthereXXXX have been many calls they have recorded. 
that this is moving forward and their are no issues. 
There is a line of credit with WElls Fargo of whichthey stated they declined the {$6000.00} offer from thefirst, only to tell me on the phone they reversed thatand would accept it. I was told today that the previousHome Preservation Spedicalist was removed from theposition, and that he had incorrectly selected the wrongscreen and put my case into a different status ( I still do notunderstand ) and that I would need to start the process overagain. I have done everything I can and have so many lettersstating that this is moving forward, only to have the letter thenext day tell me it is not, then the following day it is. I havehad no less than XXXX home preservation specialist. This hasbeen ongoing since XXXX and when I asked to speak to asupervisor I was given XXXX, only to be told today, that personwas not my preservation specialist supervisor ... .so I was liedto. I do n't know what else to do and need assistanceto get this moving forward so it can be closed out.
Since XX/XX/XXXX, American Education Services has increased the interest of my student loans. Account number in reference is XXXX. Please see below. 
LOAN INFORMATION Loan Program Current Owner Disbursement Date Interest Rate Interest RateEffective Date PEPLN NCT XX/XX/XXXX 5.180 % XX/XX/XXXX LOAN INFORMATION Loan Program Current Owner Disbursement Date Interest Rate Interest RateEffective Date PEPLN NCT XX/XX/XXXX 5.200 % XX/XX/XXXX LOAN INFORMATION Loan Program Current Owner Disbursement Date Interest Rate Interest RateEffective Date PEPLN NCT XX/XX/XXXX 5.250 % XX/XX/XXXX There is no specifics as why the increase in rates for 3 consecutive times within a year. I would like to investigate and find a resolution. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone XXXX XXXXXXXXXXXX
I paid off my car loan five months ago. I have asked 3 times for a lien release. I traded my car to a local dealer who is threatening to repossess my new car because i can not provide them a copy of the title or a lien release on my old car. Each time i call Commerce Bank they tell me that they will process my request and mail it out to me. I called them again today and told them that i need this done today. They refused to accommodate my request and said it would take XXXX to 10 more business days to process the lien release.
Continued calls with a message that says they are from the " Legal Verification Department ''. They state in the message that legal papers will be filed this afternoon. I have spoken with them and said that the debt is 17 years old. 
The phone numbers that they left me are XXXX and they called from XXXX. I have been receiving these phone calls at home, cell and now they have called my workplace. 
The debt has been discharged and no longer appears on my credit report but they keep calling. 
This is harrassment. When I have told them not to call me that use profanity and get abusive.
I had applied for a payday loan and when I notified them of their interest rates I agreed to pay XXXX a month 5 months by money order. When I sent the first money order they said they never received it and I told them I would check on it but no pay anything else until XX/XX/XXXX. They are not licensed in my state and I did owe XXXX so I told them I would pay that monthly but I am enclosing an email with threats and I am assuming it is from Spotloan because the loan company they list I have not dealt with. When I tried to reply to this email it was blocked. I do not appreciate being threatened by a lender that I had agreed to pay and they tell me they did not receive my money. I am attaching the email for your review. I can not respond to the email attached nor can I discuss. Please not that Spotloan is the only loan that I had and I discussed this issue with individuals before I have no idea who this actually is but I do n't appreciate being threatened and I tried to work out the issue
On XX/XX/XXXX I went to pay my car insurance and the transaction was denied. I knew that was wrong so I went online to see what was going on and there is 5 withdrawals that I did not make all from Texas and I live in Florida. I don't even know anyone in Texas. The first one is on XX/XX/18 @ XXXX XXXX Texas XXXX XXXX accnt for XXXX the next one is on XX/XX/18 @ XXXX XXXX Texas XXXX # XXXX for XXXX the next one on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX next on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX and the last one on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX. I immediately got a hold of XXXX XXXX to cancel my card and started a dispute to hopefully get my money back. I have filed a report with XXXX County Sheriff 's Office and hope that they investigate this. I have also filed a report with federal trade commission.
PNC XXXX XXXX Bank sent me a notice from XXXX stating that they have automatically enrolled me in their " protection '' services. It was my responsibility to call before XXXX XXXX, 2015 to " disenroll ''. I did, but to disenroll, the amount of information they were asking for was staggering. I refused to provide them any more information than they had on the letter. They did n't any of that information from me to " automatically '' enroll me.