WillisBack/dataset-financial-user-claim huggingface dataset:
* Letter and documentation attached to explain it all and most of the choices above did not match my case, but had to pick something. 
* Sent to collections for a charge i should not pay to replace carpeting in an apartment. Most stains from previous tenant and carpet would naturally get worse as we lived there. Carpet also near the end of its useful life ( 1 year left ) and old, already worn down. 
* Tried to work with Property Mgmt. company and showed them picture of large stains coming up 4 weeks after we moved in. 
* Trying to charge me over {$700.00} to replace. 
* Collection agency never validated debt I disputed ( within a few days of collecting bill ) and never responded. 
* Continue to harass and call me, threatening type verbiage, and violating the FCRA.
My home has reached loan to value 2 years ago, so PMI, MIP should n't apply to me. Wells Fargo says the insurer says I owe PMI for the entirety of the loan. I have an FHA 30 year fixed with 17 years left on the loan. I think they are lying and want me to keep paying the XXXX bucks a month. loan originated in 2002 so the new PMI law does n't apply. What recourse do I have? Regards.
I applied Wells Fargo XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX, 2015, and got declined due to less of relationship with Wells Fargo. I do n't understand why no prior business relationship could be a credit card application decline reason. My interpretation of this credit decision is trying to force consumer apply their other products first to be eligible for their credit card approval. ( for example, banking accounts, etc ).
We bought a bed at XXXX in XXXX, XXXX We filled out an application for XXXX separate credit cards with Synchrony Bank . XXXX was approved at {$5500.00} and the other XXXX approved at {$2700.00} for the full purchase price of {$8200.00}. The transaction was all charged to the XXXX card approved for {$5500.00}. We have called the store 8x and customer service 8x to have to charges corrected to reflect on both cards. Synchrony bank will not fix the transaction. The store says they ca n't either. The transaction shows on the monthly statement as all being charged to XXXX credit card. It shows the card is being utitlized 141 % of the credit allowed. The transaction has destroyed out FICO XXXX points negatively. They will not correct the problem to put the charges on both credit cards.
I opened a savings account on XX/XX/2019 with Ally Bank. That day I deposited a {$10000.00} check using the app. On XX/XX/2019 I received an email that the funds would be available soon. {$200.00} the next business day and {$9800.00} in two business days. On Wednesday XX/XX/XXXX my account was blocked so I called the bank. I spoke with 4 representatives and nobody said they can help me. The last person said there is a hold on the check and I need to call loss prevention the next day. I called loss prevention on Thursday XX/XX/XXXX, They rudely said I was told about the check and they can't help me. 
Today is FridayXX/XX/2019 My account is still blocked. The paying bank of the check said it was cleared on Monday XX/XX/XXXX. Please help me access my funds. 
case # XXXX
I went to Bank of America on Tuesday, XXXX XXXX, XXXX, to make a cash deposit into a business account. I went to the teller window and gave her my deposit slip and cash and told her that I would like to make a deposit. She unwrapped the money that I had given her and proceeded to separate the bills. She said that she need to put the {$20.00} bills in the bill counter because there were too many. So the teller took my cash and went to another teller window to put it in the machine. Then she came back and told me that my cash was short {$100.00}. I told her that I was pretty sure that my count was correct and she said that she would run it through the machine again. She came back and said that it was still short. So she counted the money before me. Then I counted the money. I asked her if she dropped or lost some of the money while transferring it to the other window. She said that she had not and asked if I wanted to take the money back or change the deposit slip. I told her that I would change the deposit slip and place my initials by the correction and she deposited the cash. So I went back to trace my steps to see If I lost the money somewhere. I had not. So I called the bank and asked to speak to a mananger. The manager said that she would balance her drawer and let me know. The manager called me back and said that the drawer had balanced and she hope i wouldnt take things any further. I told her that i was pretty sure that my count was correct but ok. A few days later I called the manager back to let her know that things were not settling with me and that I would like to open an investigation. She stated that she would have to get her marketing manager involved and that she would call me back. Its has been 3 business days and I have not received any calls.
On XX/XX/XXXX I used XXXX to transfer {$290.00} to a beauty salon, after getting home and inspecting my hair, I was not satisfied and attempted to get a refund or have my hair fixed thru the salon to no avail. Sometime around XX/XX/XXXX I had exhausted all avenues to fix this issue with the salon, I then filed a complaint thru Wells Fargo thinking that they could help me. On XX/XX/XXXX WF issued a temporary credit while they investigated the claim. WF ended up denying my claim. On XX/XX/XXXX they took back the provisional credit. Then, on XX/XX/XXXX WF took the {$290.00} out AGAIN! The same transaction number is attached and everything. WF basically told me 'too bad, contact XXXX ', which I have also done. No one seems to want to own up to the mistake and make it right. All I want is my money back, please help! 



XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX   XXXX Visa Direct AZ XXXX CARD XXXX {$290.00} XX/XX/XXXX CARD PROVISIONAL CREDIT XXXX {$290.00} XX/XX/XXXX CARD REVERSAL OF CREDIT XXXX {$290.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX*VISA MONEY TRANSFER Visa Direct AZ XXXX CARD XXXX {$290.00}
I dispute an account XXXX XXXX with all the bureaus. XXXX and XXXX deleted this account from my credit files due to my proof. On XX/XX/18 I faxed a follow suit letter and proof to Experian. On XX/XX/18 I called when I was at lunch, and was speaking to a XXXX, and told him that I wanted to know the status of the follow suit letter that I had faxed in. I did not give him the date yet, and he looked into my file and said " the dispute from XX/XX/18 '' at this point I got disconnected from hi, and boy I wish I didn't get hung up on. I immediately called back and got a different female rep. Told her that I was speaking to XXXX about a dispute and she said that Experian does not have a fax to a in dispute information. I than told her that I have faxed Experian many times and on my fax machine when sending the fax it even says Experian. She told me that she could dispute it with me over the phone, and send it over to the creditor. I am not trying to dispute with the creditor, XXXX XXXX, I am trying to get Experian to follow suit with XXXX and XXXX to delete from my report. I called XX/XX/18 again and spoke to XXXX and again was told that he could dispute it, I told him never mind because I did not want to dispute with company and I will just submit online and upload all my documents. I did this. I have not heard or got any notification that they have received my follow suit letter ro anything.
Deceased parents debt. There was no estate left behind, Global debt collection XXXX XXXX XXXX keeps call me and my sister about this debt.
I was promised a XXXX signing bonus points which is worth {$400.00} in cash when I applied Wellsfargo XXXX XXXX XXXX on XXXX XXXX 2015. The Letter came with the card arrived said I would get points posts to my account XXXX billing periods the date after {$3000.00} qualifing net purchase posted. I made my {$3000.00} spending in XXXX and today XXXX/XXXX/2015 XXXX billing periods after still no sign of my bonus points. I have called every month a few days after each closing date, and got same answer XXXX billing periods after 3 month spending period ' which is different from it stated on the letter. Every time I called I had to speak to XXXX representatives and repeated the same story over and over. Call center CSR had no authotity to offer any help and said just wait or write to executive office. I am done with waiting, here is my complain!
This has been on my credit for 5 years and to no avail I can not get a copy of my signed lease. I do not owe this money. I did live there but they can not provide me with a signature or any lease to validate if it is mine and the amount is correct. This collection is from XXXX 2012 to present for the amount of XXXX. I do not have an account number. They keep saying I owe this amount which is not correct. I need verification that this is indeed the right amount.
Our servicer will not send us a monthly statement of our mortgage statement or allow us to log on online in order to see what our status us ( bal, pymt amount, whether we are current, past due, etc ). We were in a bankruptcy, but that ended in XXXX of XXXX. Dovenmuehl stated that because of the bankruptcy we were not allowed to see any current information. Since our bankruptcy discharged over 9 months ago, the servicer still ( as of today, XXXX/XXXX/XXXX ), will not let us obtain information on our mortgage.
I applied for a Walmart credit card back in XXXX of 2016. On XXXX XXXX I received my card and went to view my account and register my card. I found my card has been used and I have no available credit. I called and reported fraud and they told me they ca n't do anything for 60 days. I said your telling me I just received my new card and because somebody already used it I ca n't use my card. They said yes, you have to wait the 60 days.
I made all payments charge long ago, yet the company states I owed {$20.00} which in turn became {$340.00}. I was sent no information regarding that I had owed any more than I already paid and was charged fees for a bill that was fabricated by XXXX XXXX XXXX.
On XX/XX/XXXX XXXX ( client ) was approved for a trial modification with payments to be made XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of {$450.00}. Client made all payments XX/XX/XXXX of {$450.00} ( proof attached ), XX/XX/XXXX of {$460.00} ( proof attached ) XX/XX/XXXX of {$450.00} ( proof attached ). Client then continued to make payments on XX/XX/XXXX ( this payment was returned ) She then received a letter stating that she was in default of the trial plan. I ( Housing Counselor ) assisted her in filing several complaints and escalated the issue with no solution. We had to reapply for another modification and this resulted in the ( attached ) trial and final with a payment of {$1100.00} to be made in XXXX and an interest rate of 7.5 %. This new payment is not affordable nor should SLS be denying the client a modification through HAMP as she never failed the trial plan payments.
I am a XXXX year old XXXX and XXXX. I co- signed a student loan for my niece over 15 years ago. The XXXX has left me XXXX. I was a XXXX and therefore I have been unable to work. I am in a fixed income. I have sent multiple XXXX letters to Navient that I can no longer afford the {$300.00} payments for my niece. She has quit speaking to me years ago. I have paid the loan faithfully for over a decade. Navient keeps saying that they take my niece 's finances into account yet my niece does not pay the loan. They threaten and call me daily, often early in the morning a XXXX weekends.
My monthly payment has been  1  percent since the loan started, over  XXXX  years ago, they stop my billing statements for about   XXXX    months, then i got a statement   XXXX   XXXX   XXXX   my balance is  XXXX  instead of my normal payment of  XXXX , they raised it to  XXXX  When i called  XXXX  guy said my interest rate changed, he lied.Another guy said they made a mistake on the loan and i owe more and a adjustment was made, they kept making up excuses.  XXXX   XXXX  recently purchased another loan I have, they started over billing me also  US  bank and  XXXX  loan are the same companies.
I received calls from XXXX on the following dates and times at my place of employment : On Thursday, XX/XX/XXXX : XXXX XXXX XXXX XXXX Friday, XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  Monday, XX/XX/XXXX : XXXX XXXX When they first called, they said that they were with ARA Associates and that litigation has been filed against me in my local jurisdiction for an unpaid debt. They said I owe XXXX XXXX XXXX {$4000.00} for an unpaid debt. Not only do I not have a {$4000.00} account with XXXX XXXX XXXX, which I told them, but I also pay for monthly credit monitoring through XXXX and I have never seen this alleged " debt '' on my account. I immediately knew this was a scam and told them not to contact me again. As noted above, they have continued to call me at the above times. I 'd like for them to be investigated for fraud.
Citizens Bank ran maintenance at the end of the month and ran into some sort of problem that they wont elaborate on and now I am unable to get my check direct deposited. I have bills due, we need groceries, and have a large payment due to my sons school and all they say is sorry, it will be 2-3 days until its fixed they also said it may come in the form of a check in the mail so add another few days for that to clear which by then it will be the weekend, so we are looking at a week or so before this is all cleared up.
Chase bank receives pre authorization for purchases online the charge is debited out of account then 2 days later reverse the charge from the merchant. The representative said the reason is the said the merchant has 3 days the collect or present charges however if make purchase online they do not charge the consumer until the product has actually shipped to the consumer this has cost me over {$200.00} fees and NSF fees from merchants I did a lot of online shopping for the XXXX season
On XX/XX/XXXX I sent money to a friend using XXXX through Chase. I entered my friend 's name and phone number. He had never used XXXX before so he went to his bank ( XXXX XXXX XXXX ) to ask how he could receive it. He was told he could not because be did not have a personal account, only a business account. When I went back to cancel the request I saw that the transfer was completed. Now, XXXX wants you to make a claim through the bank, not directly through them. I did just that and was told there is nothing they can do because XXXX does not check the recipient 's name, only the phone number or email. Since I used my friend 's phone number and he is not registered with XXXX, the amount was aparently deposited in an account tied to that phone number before it belonged to my friend. I was told there is nothing XXXX can do to recover my money even though I sent it to the right person and the right phone number.
Experian is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.
My XXXX XXXX XXXX Visa Credit card : XXXX is lost/stolen. There are fraudulent charges/transactions on the account.
I received a investigation report after my dispute in regards to an account  XXXX . it indicated the account  XXXX  was deleted ; however when I viewed an full updated copy of my credit file  XXXX  account number  XXXX  was not deleted. I am asking for the account to please be immediately deleted from my credit file.
Barclay 's ( who holds my XXXX credit card ) wo n't let me access my account and they refuse to send me statements showing what I have paid them. I sure would like to know what my balance is. I 've asked repeatedly for copies of statements. ( They seem to think that since I was Discharged from bankruptcy about five years ago, long before I had any balance with them, that they can retroactively now deny me a copy of statements showing the credits for what I have paid during the last few months. )
1st complaint-Date:XX/XX/2018 Amount : {$830.00} Action taken : I disputed with XXXX Credit Bureau because its reporting inaccurate information. I disputed it and they are stated it was verified as accurate. There is no documentation with my signature that I owe this debt and I've never had any business relation with this creditor. Dispute file # XXXX 2nd complaint- Date:XX/XX/2018 Amount : {$400.00} Action taken : I disputed with XXXX Credit Bureau because its reporting inaccurate information. I disputed it and they are stated it was verified as accurate. There is no documentation with my signature that I owe this debt and I've never had any business relation with this creditor. Dispute file # XXXX
AFNI is collecting from the original creditor, XXXX XXXX XXXX. AFNI is currently reporting on my credit report that the debt was opened in XX/XX/XXXX. I have disputed this with the credit bureaus multiple times. AFNI did not respond to my letter to validate said debt. 

The last time I had XXXX XXXX XXXX was in XX/XX/XXXX. I have no knowledge of this debt but if I did, the statute of limitations for Florida ( where I resided at the time I had an XXXX XXXX XXXX account ) is 5 years per F.S. 95.11. That being said, if I owed the debt in question, this debt would have been barred in XX/XX/XXXX. AFNI has previously received numerous complaints that the company re-aged debts as soon as they reached the statute of limitations. A reasonable person would concur that AFNI has re-aged a debt in this case, as again, if I owed the debt in question, it would be barred from collection practices as of XX/XX/XXXX. AFNI provided no debt validation for me to review. I have no knowledge of this debt. Please assist. 

Afni, Inc. 
XXXX XXXX XXXX XXXX, IL XXXX
I made an ATM check deposit of {$24.00} but Chase bank made a mistake and reported it as {$920.00} on XXXX/XXXX/15. They corrected their mistake on XXXX/XXXX/15 2 months later and debited {$900.00} from my account without my knowledge or notice and over drafted my account. I made a car payment online on XXXX/XXXX/15 and XXXX received that payment on XXXX/XXXX/15 before Chase decided to correct their error on XXXX/XXXX/15. Chase then decided to return the payment from XXXX and disregard my car payment that was processed before their adjustment. I think this is illegal and ridiculous that a bank would process a transaction to benefit and correct their mistake. Transactions should happen in chronological order not when Chase feels like honoring and online transaction. They should be responsible for their mistakes and not penalize their consumers for their negligence. My car payment should have been processed because there were sufficient funds in my account at the time the transaction was made. Chase should be responsible for honoring my car payment and take care of any fees assessed to me by XXXX. Transactions should be placed in chronological order.
I was a victim of identity theft and notified bureau and also send documentation to XXXX creditor to verify the problem yet they say they ca n't remove the inquiries. police report was sent as well as several calls and letters in the mail over the past XXXX mths
Hello on XXXX XXXX 2016 we purchased XXXX round trip tickets from a travel agent called XXXX for travel date of XXXX XXXX from XXXX to XXXX and then to XXXX and to return on the XXXX of XXXX XXXX and then XXXX when we reached the airport for our return flight they would not let us on the flight saying we were never supposed to be sold these tickets we waited for the time difference and called the agent he said he will take care of it he later said he booked us on XXXX no mention of any charges and why would there be any? its his mistake when i got back on sat we found out he had called our daughter that night and told here that those tickets where around {$2400.00} which we never authorized he asked me for the credit card number i used to buy the original tickets so i did a dispute with wells fargo they took the info and i called monday to confirm they said that they couldnt talk to me till the primary on the card gave them authorization to talk to me which he did then they gave me 3 diffrent stories the final one is that the can only dispute the portion of the sale that i didnt use i tried to explain to them that i bought XXXX round trip tickets for XXXX not XXXX - XXXX the difference i did not authorize the XXXX and just thought he put us with another air line i agreed with and purchased XXXX round trip tickets for XXXX wells fargo should protect their clients from theft fraud or crocked merchents which in this case they are protecting the con artist
On Tuesday ( XXXX ) around XXXX, I called XXXXGreatLakes to arrange a payment to pay XXXX of my Stafford loans IN FULL. The customer service rep gave me an amount and then took my card info so that the payment could be processed. To my surprise, I checked my online account info and found that this payment amount was not directed to the XXXX loans that I requested, but it was also spread onto my other XXXX loans. My account says that it is paid ahead by over a year, however, my request was to completely pay off XXXX loans, while not touching the others. This request was made well before the monthly due date so there is no reason to apply any type of payment to the other loans, especially considering the payment applied to the other loans included both interest and principle. Whether the payment being applied this way was due to error or due to policy, it is completely unacceptable and the customer service rep acknowledged my intent to completely pay XXXX specific loans ( XXXX with the highest interest rate ) and failed to follow through properly.
On XX/XX/XXXX @ XXXX hours Cavalry Portfolio Service received certified letter requesting proof of original application, contract, any and all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I received a letter dated XX/XX/XXXX stating " the dispute lacked specific facts or information which would allow us to conduct an investigation ''. " Because the dispute alleges no specific information to form the basis for an investigation, we are unable to investigate the dispute pursuant to the FCRA ''. I find this totally erroneous and unacceptable from Cavalry Portfolio Service.. As per the Fair Debt Collection Act, section 809 ( b ), Cavalry Portfolio Service is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition Cavalry Portfolio Service received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since Cavalry Portfolio Service has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies immediately.