WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I made a {$600.00} payment online to my XXXX XXXX card held by Synchrony Bank. I received a confirmation number. The website posted my updated balance and payment a few days later. On XX/XX/XXXX I get an email from Synchrony bank saying I had a letter to review about my account. I open it and to my surprise the payment has reversed. The account is NOW XXXX over what I was previously given in credit! 

Synchrony Bank said their records show I did not authorize the payment ... 30 days later! This is absurd ; and I have no money in my account ; but my bank does not show that they EVER went in to get the payment ; is this a scheme to make more in interest? I am trying to pay this off before retirement in 2 years! I won't have that type of disposable income anymore. I am perplexed. I don't know how this could have happened. My credit union shows NO transaction going out for that amount ; but if I use my card and press accept ; it should go forward ... right? No one can tell me what happened and I am frustrated and I am the little guy ; I should not be penalized ; my spending limit was reduced ; my credit score was reduced and my credibility has been reduced., please help!
I have called my credit card Barclays multiple times to complain about unsolicited marketing mail. This includes 0 % balance transfers and other garbage.
Early Warning is reporting my open active accounts with XXXX XXXX XXXX. Ifeel it I violation since they report my direct deposit information an d open active saving accounts. They are reporting purged and closed account that can not be verified or proved. They are reporting repeats of my open active account with XXXX XXXX XXXX XXXX.
My transunion credit report shows that I have opened two new accounts with XXXX XXXX when I have only one account with XXXX. I started living in this apartment since XX/XX/XXXX. However, transunion credit report shows that I opened another account with XXXX in around XX/XX/XXXX when my account only got renewed during that time. I havent closed account with XXXX apartments since XX/XX/XXXX.
Back in XXXX I went through Probate, a copy of the order was faxed to the lender at the time XXXX XXXX on XX/XX/2018. A month later the loan was transferred to SLS and I received a notice in the mail stating to pay SLS {$10000.00} which I did not have. I contacted SLS to let them know the situation, I forwarded them a copy of the Order showing I was granted the executor of the estate and asked if they can assist me with saving the home. I was told from SLS to submit documents such as forms they provided and financial information. I faxed the information to them in XXXX and received a letter on XX/XX/2018 stating they received my documentation and need additional information. Over the course of the next few weeks and to this day I have repeatedly faxed my information over to SLS which they keep stating they never received even though I have proof of the fax confirmations. Now when speaking with SLS they are telling me my documents were not submitted 37 days prior to the sale and they can not help me! I have done everything asked of me and I feel like they did this on purpose so that there would not be enough time. The Notice of Default filed ( attached ) stated that the lender, SLS made attempts to reach out, that never happened nor did they contact my mother the borrower because she is deceased, so that right there is another lie. I am now being forced to hire an attorney to see what my legal options.
When I first opened my account, I signed up for and paid for overdraft protection. When I looked up my balance, I was {$110.00} in the negative. I have not used that account for a few months so there is no way to get that negative balance. I went to close out the account and question why such a big negative balance and was told I could n't close it out until I paid the fees. Why should I have to pay for something I did n't do.
Hi. I was suppose to receive my DD on XX/XX/XXXX & never receive it. I call multipolar times & they are giving me diffrent answer. Im a XXXX so I cant even purchase my medecine.
Received credit card in XX/XX/XXXX. Paid off outstanding debt to collection company XX/XX/XXXX. Moved lost original payment confirmation paperwork. XX/XX/XXXXcontacted by another collection company threatened concerning BARCLAY BANK OF DELAWARE paid new collection agency XXXX settlement, because of lost original paperwork. Threatened with court and garnishments. Received letter from XXXX XXXX  Office of the President at Barclay Bank Delaware stating that Barclay Bank is not party to any pending judicial matters associated with you or any outstanding debts you may have. I have called an left message at the number given with this letter and yet it is XX/XX/XXXX and I am still receiving debt collections threats and garnishment threats concerning this same account. Does BARCLAY BANK NOT CLOSE OUT their accounts correctly are they rotating through the system and fraudulent debt collection companies allowed to have your personal information are they not sharing that the account is closed out. Does BARCLAY BANK have ACCOUNTANTS are they not keeping up with their own information does XXXX XXXX even exist, does BARCLAY BANK EVEN EXIST or is this a situation where there is a person sitting at home making up fake credit cards and flooding the market with fake credit cards this is my second complaint about BARCLAY BANK FILE COMPLAINT XXXX in XX/XX/XXXXwhat else needs to be done besides me filing a lawsuit against this bank for harassment. This problem has been ongoing for ten years I need help!!!!!!!!!!!!!!!!!!!!! XXXX XXXX XXXX XXXX
In XXXX XXXX, I took out a {$3500.00} loan with RISE Credit online. I found out about this website from a mailing promotion that I received sometime before XXXX in XXXX. It said the interest rates were low, you could apply right away, and you could receive the money right away. The application and all emails from RISE Credit have been in XXXX, and XXXX is my first language. Payments were going to be about {$560.00} a month. On XXXX XXXX, a payment was made and I was happy to think the loan was paid off, especially because I had recently lost my job. I went online to see what I owed, and I had to create an account to get the information. I found out the balance was still {$3300.00}. I called RISE Credit to see why I still owed so much money. I was told by RISE Credit on the phone that I would pay about {$10000.00} in total for the loan. When you look at the account online, you can only see three payments right away under Account Overview. Also, under Payments, you only see payments due for four more months, so it seems like you only have four more months to pay. This is misleading and confusing. I did not receive any notice when I applied for this loan about what the interest rate would be and that it would be so high. I only found out some of this information when I opened an account online last month. The interest rate is not easy to find online, either. I thought it was 299 % because it has a page for loans in my state, which gives examples of the interest rate. When I had a legal aid lawyer help me look up the loan, she was able to find the Loan Agreement, but it was not easy to find in my account. I did make a payment on XXXX XXXX, but I had to have my bank put a stop on any payments for this loan. If I had seen the interest rate and total payments due, I would not have taken out this loan.
Good Morning, A third party collection agency by the name of XXXX XXXX XXXX is affecting my credit monthly and it has now become so ludicrous that I was advised by XXXX to file a complaint. As of today there are three debts in the amounts of {$1300.00}, {$930.00} and {$950.00} that was placed on my credit back last year which caused my credit score to decrease drastically at that point. Every month XXXX XXXX XXXX has been purposely deleting and then re-adding the debts back which in return causes my credit score to decline even more. XXXX   and XXXX have both looked into this issue and have blocked this Agency for placing anything on my credit all together. XXXX have failed a misuse claim as well. XXXX has performed this tatic on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and once again on XX/XX/XXXX. 

I ask that you look into this a resolve this within a timely manner.
I CONTACTED DIRECT EXPRESS ON XXXX XXXX, WHEN MY CARD WAS DECLINED. I WAS TOLD BY DIRECT EXPRESS THAT ON XXXX XXXX, DIRECT EXPRESS TRANSFERED FUNDS FROM MY ACCOUNT TO ANOTHER ACCOUNT WITHOUT MY KNOWLEDGE AUTHORIZATION OR CONSENT, MY CARD IS STILL IN MY POSSESSION BUT OTHER DETAILS WERENT GIVEN TO ME. DIRECT EXPRESS CANCELED MY CARD IMMEDIATELY AND TOLD ME I WOULD RECEIVE PAPERWORK IN 3 DAYS WHICH I HAD TO COMPLETE AND RETURN TO THEM WITHIN 10 BUSINESS DAYS FROM THE DATE WHICH I CALLED THEM, I RETURNED THE PAPERWORK VIA PRIORTY MAIL EXPRESS THROUGH THE USPS, SCHEDULED DELIVERY DATE WAS XXXX/XXXX/2016, DIRECT EXPRESS CLAIMS THEY NEVER RECEIVED MY PAPERWORK. I TRACKED THE PAPERWORK THAT I MAILED AND THE TRACKING STATES THAT IT WAS DELIVERED ON TIME TO DIRECT EXPRESS. THEY NO LONGER ARE ACCEPTING MY ATTEMPTS TO CALL THEM. WHEN I CALL I GET DISCONNECTED WHEN PROMPTED TO HOLD FOR A REPRESENTIVE OR IM TOLD DUE TO HIGH VOLUME OF CALLS, PLEASE CALL BACK LATER,
You are showing my account with XXXX in collections this is not the case the house has been sold. 

See sale docs and the letter from XXXX that satisfied the loan in it 's entirely. PER YOUR LETTER!!! 

I am failing a complaint with the CFBP because I have asked that this be corrected more than ten times and I have been ignored. 

The loan should be displayed as paid as agreed per contract and the release send to me per your letter!!!!!!! 
Equifax has not deleted my bankruptcy per the court Oder per the settlement for the state of VA and Equifax. They have ignored my letters. 
Update XXXX as paid as agreed and Delete the Bankruptcy per court order
XXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without his consent to submit applications for auto financing. While no accounts were established the applications generated inquiries that were found on his XXXX, XXXX and XXXX credit reports. The inquires were from XXXX of XXXX XXXX XXXX, Capital One Auto Finance and XXXX. Each of these offices were provided an official dispute of the items, XX/XX/2018 and as of this date none of these organizations have provided an update or a reply to the official dispute.
I have been working with my lender on a modification and they advised me that they do n't recvieve the docs and i have to refax them 3 or 4 times and now they keep giving me the voicemail and i can never get anyone on the phone to see what 's going on. Please help me to keep my home.
I have asked Interstate Credit Collection to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
XXXX XXXX, XXXX has purchased a XXXX XXXX debt, which was listed as closed and charged off on all three credit reports. However, as per the FCRA regulations, LVNV failed to notify me in writing of placing this collection back on all three credit report.
RUSHCARD - On XXXX XXXX, 2015, Rushcard underwent what they called a change of systems. The change was not to affect customers ; as of today, XXXX XXXX, 2015, 2 business weeks later, the problem still exist ; the inability to access my account. I have not been able to speak with any representative, and when I did, I was told they could n't get into the system either. I feel that an inside theft has occurred with customer funds, and someone walked away with XXXX dollars that did not belong to them. I feel as though XXXX are responsible. For the past 2 weeks all customers have heard are excuses, and we will see our funds in our account overnight ; well there have been a lot of overnights to pass by, and yet still nothing. Please help, many of us who are customers are Seniors receiving Social Security Funds, and our money is gone. Please help or direct me to whom I should contact regarding this problem. Thank you for your assistance.
There was an account opened in my name due to identity theft. I contacted XXXX XXXX to dispute this account and provided police reports to validate that this is not my account. The company refuses to properly investigate the matter and remove this item from my profile. I also contacted Equifax to dispute this account as fraud and they are not properly investigating either. I need Equifax to properly investigate this matter and pull the records of this account so that they can see it was disputed with a valid police report.
On XX/XX/2018 I purchased {$98.00} of cryptocurrency from Coinbase and used my visa debit for payment. The transaction was successful however I noticed the next day they charged me {$98.00} twice but only credited my coinbase account with {$98.00}. After speaking to my bank they said in 10 days the extra charge would likely be returned. On XX/XX/XXXX it was returned, however this morning XXXX XX/XX/XXXX ) another charge for {$98.00} hit my bank account. This is an unauthorized tranasaction and I haven't received any funds in my coinbase account.
Disputed incorrect information through three credit reporting agencies and creditor, Navient continuously reported back more incorrect dates and balances on a charged off account. Date of first delinquency was in XXXX. Navient is reporting this now as if this was charged off in XXXX, XXXX, XXXX. In some places reporting payment history which did not occur or reporting continuous billing of interest charges on a charged off account. 

THIS CHARGED OFF COLLECTION ACCOUNT WAS INCLUDED IN MY DEBTOR LIST AND LIST OF DEBTS DURING FILING IN XX/XX/XXXX OF BANKRUPTCY WHICH WAS DISCHARGED IN COURT IN XX/XX/XXXX Navient keeps violating FCRA policy by misreporting and advancing dates intentionally re-aging this debt and extending the time reported negatively on credit file. 

In addition, this item was a private loan, charged off collection account. Not a federal student loan. I was able to work out terms on my federa loans but no options were available on the private loan that has bounced from collector to collector incurring {$40000.00} in interest charges. I can not get Navient to verify the date of first delinquency which occurred in XXXX. They keep reporting different dates.
my account with XXXX XXXX XXXX kept showing disputed amounts that I called back in XX/XX/XXXX. I told them that these amounts were being disputed. time flew by and I never received any credits for this amount they eventually closed my account and still till this day I do not see those credits. XX/XX/XXXX {$7.00} ; XX/XX/XXXX {$3.00} and {$10.00} ; XX/XX/XXXX {$3.00} and {$10.00} ; XX/XX/XXXX {$7.00} ; XXXX XXXX {$7.00} and XX/XX/XXXX, {$10.00} ; and XX/XX/XXXX, {$7.00} and XX/XX/XXXX, {$10.00} XX/XX/XXXX {$10.00} and XX/XX/XXXX {$7.00}, XXXX XXXX {$10.00} & {$7.00} I called several times and somehow they don't understand my concerns maybe you can help resolve this. please
A client of ours who is facing a sheriff sale had his loan transferred during modification review. After multiple instances of mishandling of documents the new servicer Rushmore Loan Management has sent a written notice to client saying a modification was denied without a numerical values to back up this decision. The letter also states that the loan owner can no longer be reviewed for a modification again.
I do not have a Student loan, Navient has been calling me daily about payment of a loan using my name and phone number. I have not had any student loans in 30 years. I have spoken to them directly multiple times to attempt to clear this up, but they continue to call me daily. when I block their number they change it to continue the harassment.
Asked to have inquires removed stated as fraud. Investigation performed stated I would need to call each company & deal with them directly.
I called jp morgan chase to file a claim against these unauthorized transaction and after review they denied the claim due to cause : mentioned i used this merchant inn the past Merchant : XXXX XXXX  XXXX XXXX XXXX transaction date:XX/XX/XXXX amount:XXXX dispute claim date : XX/XX/XXXX
About 8 months ago, I called my mortgage company because I was behind on some mortgage payments. I spoke to customer service from the mortgage company and that person stated that my account was on process of an assumption agreement and to hold making payments. After 3 months, I receive a letter from attorneys, hired by the mortgage company stating that my property was on foreclosure for lack of payments. I then called the mortgage company again and they stated that I needed to send more documents for the process of the assumption. They sent a form ( RMA ) which I submitted back to them over and over again because it kept getting rejected. Finally I spoke to a relationship manager, who then stated that they had been sending the wrong form and that was the reason the RMA form kept getting rejected. I replied that it wasn't my fault and because of that, everything was taking longer. I was told that I needed to download the form and fill out and send it to them. It took me awhile to submit since I have been sick and diagnosed with XXXX, I did not have the ability to fill out the form by myself and was just struggling completely to get this done with. Finally a friend helped me and the form was sent. To the day this has not been resolved and just one month ago I still had to send over the whole package again. I do not want my family or I to lose my home and this situation has caused me a lot of anguish and stress.
I had an unjustified foreclosure created by OCWEN with misleading " assistance '' that lead to 6+ years of court- for all the same issue that have been seen by others in complaints against the company. FINALLY, with help of law office, we closed the case in XX/XX/XXXX with all payments up to date and a modification agreed to. 
Even though, to reach the modification, we went beyond the 3 months trial payments ( trial mod was XX/XX/XXXX ) and continued to pay for ONE YEAR after the supposed trial term. They even kicked back payments, refusing to accept them and then claiming we did not make the payments. This confused the attorneys on both sides. 
Finally, after being asked to submit 3 months payment at once to catch up after they refused the money, I was told by their attorney that, going in to XX/XX/XXXXtrial date ( XX/XX/XXXX ), if I made that month 's payment as well, they would finalize the modification ( even though mod agreement only specified trial 3 months back in XX/XX/XXXX. ) I complied and all payments - according to their attorney - were up to date in XX/XX/XXXX and the foreclosure case was closed, with a new modification for me. This new mortgage was worse than the first with OCWEN increasing my initial payment by hundreds, adding property insurance and DOUBLING my existing mortgage ( also handcuffing me to this new mortgage by promising to take thousands off if I make payments over the next few months/years. ) 2 weeks after the case closed, I received a new statement from OCWEN that said I owed an additional {$8000.00} and that I was one month late with my monthly mortgage payment. 
Multiple phone calls to OCWEN only serve to bounce the issue from person to person, department to department with no resolution. They claim the amount is owed from payments that I have already made, they make no effort to clean up their own mess and have now issued a notice of default AGAIN, threatening to foreclose.When asked for details about the amount they say is owed, the people on the phone said to contact the research dept. to investigate ... .this is basically like having me defend my status instead of them proving what they are claiming. 
Besides the mess of a modification and new mortgage payments, this is OCWEN taking things to a whole new level by being misleading, unhelpful, and giving me the run around to waste time - on purpose.
This debt was settled with the exact same debt collection agency yet they reinserted the debt back onto my credit report after it had been taken off. This is becoming insane.
I have two inquiries on my credit file with XXXX from this bank, dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have written to them to request documentation supporting permissible purpose, but have never heard back from them, leading me to believe that they either did not receive my letter, or simply chose not to respond. I currently have an open account with them, and believe that it was the former, as they have treated me very well. However, barring documentation supporting permissible purpose for these two inquiries, I would like to see them removed from my credit file.
I 'm trying to resolve my balance with Title Max of Tn in XXXX, TN,. They are refusing to work with me to work out a payment and settlement amount on the debt. They have stated on several occasions that they would repo my vehicle.
The lender has failed to respond to our QWR and Notice of error request sent on XXXX2017and are proceeding to sale set for XXXX/XXXX/17 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
i recently checked my credit report and noticed that this company has reported that I owe them a debt but to my knowledge I have never receive any notification that I owe this company. I have never entered into a contract with this company and neither have they provided me with any service or goods
I opened an account with PNC bank under a {$400.00} checking bonus offer. All of the requirements were met in XXXX, and the required time has passed but the bonus was not honored. I contacted the bank and it seems as if they have, and possibly never had, any intention of honoring the {$400.00} bonus used to entice me to open the account.