WillisBack/dataset-financial-user-claim huggingface dataset:
I had a bank account with Bank of America I made a mistake and deposited a check I wrote out into my own account instead of my partners account I expected to receive a check from a job I did the day after and I ended up going to jail on traffic code violations so I didnt have the opportunity to deposit the money into the account when I came out of jail and I realized my account had been closed I looked for any letter pertaining to this matter and didnt find anything I called BOA and they didnt give me any info they stated that It was fraudelant and treated me horrible over the phone now I tried to open a bank account at a different financial institution-bank and I was denied because of the words used as FRAUD I never commited any fraud I do not have any sort of criminal records I work for the US DEPARTMENT OF LABOR and I have even passed the usa back ground check similiar to the military back ground check so please help me get this matter resolved I am willing to pay boa but I want the XXXX removed
Equifax was hacked recently and I through their website ( https : //www.equifaxsecurity2017.com/potential-impact/ ) I was informed that I was affected. My social security number is no longer safe and potentially at risk.
Hello, I Am XXXX XXXX. I Am Trying To Clean Up My Credit. In The Early 2000, I Was A Customer For Over 5 years. I Had An Health Issue With XXXX In My XXXX. I Had Sit For Over A Month Without Being Able To Walk. I Got Behind One Month. I Tried To Settle My Bill Which WAS {$500.00}. The Salesmen Gave Me Extra Charges & Two Extra Months Worth Of Bills That Werent True. My XXXX XXXX XXXX   Bill Came About To Be {$1800.00}. This Amount Is Not Correct! I Tried Negotiating And Was Refused! 

Thank You
On my XXXX 's Consumer Credit card / XXXX XXXX On XX/XX/XXXX I made my normal of {$110.00} before due date of XX/XX/XXXX. On XX/XX/XXXX I paid off remaining balance of {$3700.00} leaving the credit card with a XXXX balance. On XX/XX/XXXX when the billing cycle ended. XXXX charged me {$63.00} on the XXXX balance. When I received the statement in the mail on XX/XX/XXXX I called the credit card company. They tried telling me the interest was charged because I did n't pay off the card before XX/XX/XXXX. As far I knew as long as I paid the card off before the cycle ended I would n't be charge any interest. XXXX has reversed the interest charge of {$63.00} because I threatened to close my account. This is charging interest for balance that do n't have any more. This should be illegal..
This was taken off my report I hade medical insurance at the time they keep on putting it back on my report it 's annoying and they keep harassing me southern tier
On XX/XX/XXXX I paid off my loan down to a XXXX  balance. I repeatedly asked the CS rep was this all I owed, she double checked and said yes. Since then, I've been going back and forth with the XXXX XXXX XXXX XXXX about my credit report. The listed on my report that I owed {$1.00}, when in fact, it is paid off. I disputed it with all 3 credit  bureaus, who then reported that it was in fact paid off according to XXXX, who informed me of the same thing. The very next month, the XXXX went back and posted that I owed {$1.00}. I disputed it again, and again the changes it to a XXXX   balance, but refuses to mark the account as paid off. Instead they have the " current status '' as in collections. It needs to read paid as a current status. My next step is to hire an attorney if you can not correct this. Thank you.
I purchased 4 items from a retailer online using my PayPal credit account and they sent me 4 completely different items than I ordered. I reached out to the company and they never responded. I contacted PayPal to dispute the transaction. They claimed to investigate and informed that they would be supporting the company who defrauded me. As a credit account, it's disappointing that they do not protect consumers. I have requested that they close my account but still believe they should reimburse me for the {$120.00} that was stolen from me by the fraudulent company.
I rented a condo from a rental management company, XXXX XXXX XXXX XXXX. After moving out when the lease ended I noticed they placed a large debt on my credit for {$5700.00}. I have no idea why or what it 's for. I 've emailed the rental management company ( XXXX XXXX, the owner ) twice and both times she responded it was an error, that it would be corrected. I 've disputed several times to credit report agency with not results. I do not owe this and the management company never answers my calls or requests. The owners of the unit ( investors ) XXXX XXXX XXXX will not respond either. I will say this, while I lived in that condo their accounting was terrible. They 'd place late notices on my door when the rent was already paid. I 'd call and it would take days for them to get back to me and verify they located the rent I 'd sent. Now this. This is not my debt. I have a copy of the rental lease, the correspondence between myself and XXXX XXXX, the rental agent that managed the property and the collection notice.
On XX/XX/XXXX, I contacted Commonwealth Financial regarding a collections account placed on my credit report. They stated they were collecting a debt for XXXX XXXX XXXX, for ambulance services. I informed them Ive never been in an ambulance in my life. They refused to provide any additional information regarding the erroneous collection. They simply said there was nothing I can do and I needed to pay the debt.
Phone call made to brother with a message on ans machine including personal info ... complaint about to be filed, case #, just things I did n't think was appropriate or a answering machine.
The company is calling about XXXX or XXXX times a day. Once on my wife 's cell phone and the other on the landline. But they do n't leave any messages or nothing for me to call them back but I did google there numbers. But they are Monarch Recovery. They use a robo type call to get to talk to somebody but then they hang up. I did n't get anything in the mail or nothing about why they are calling. It is usually morning noon and night they call. They use different numbers to use to call me and my wife. It has been going for at least a month or XXXX so I do n't know. Whenever I pick up the phone the phone hung up on the other line.
XXXX XXXX XXXX transferred our home mortgage loan to the above company XXXX XXXX, 2015. When speaking to XXXX from Nationstar he says that XX/XX/XXXX and XX/XX/XXXX payments were reported to the credit bureaus but it will show blank for those months on the credit reports. Payments from XXXX 2015 will begin to show. 

Working at XXXX for XXXX years, according to the FCRA, payments need to report accurately to the Credit Bureaus. Is there recourse for us? We are trying to obtain another mortgage in a move in a few months and need these payments to accurately report for our scores.
I have made multiple daily attempts over the course of 5 days to obtain a loan assumption packet from Freedom Mortgage. I have spoken to a different rep each time and been given a different answer as to how I obtain this. First it was a simple sheet I fill out and email to customer service. This did n't work. That was XXXX failed attempts with them stating I did n't give proper info. When in fact they were emailed my phone, email, property address, name and loan number. She said " well maybe it was n't legible ''. I assured each person that it was legible because it was a typed document. Then different rep tells me it is a form that can be emailed or faxed. Did n't work either. Then I ask to speak to supervisor and she tells me they have to send it certified mail. I wait. Nothing. Call back lands a different rep. She puts me on hold and I get hung up on. Call back. Yet another rep today states that it can in fact be emailed or faxed to me and is set to get to me by XXXX XXXX or c.o.b. Monday. I feel like this is a stall tactic for some reason with this company and they would rather have me foreclose and take my home. All I want is the packet so the new borrower can assume loan. Please help!!!
I received an alert that XXXX made an inquiry on my credit. I called XXXX to inquire as to why and I was told they had not made an inquiry on my credit. It is on my credit report that on there was an inquiry made on XX/XX/2018. I did not apply for anything with XXXX. This inquiry was also made in Washington state, I do not live in Washington.
I am contacting you because I believe that I am paying too much for a used car. I brought a XXXX XXXX XXXX for XXXX from JDBYRIDER in XXXX. The car had XXXX miles on in when I brought it. They have recently moved to XXXX. When I brought the car home, it was hard for me to turn it back on. I went to them and I needed a cam sensor. The sales associate assured me that everything on the car was in good condition. The car had bad tires and rotors, which I told them about when I took the car to get the cam sensor changed. They told me nothing was wrong. I went to get my brakes checked and they told me there was nothing wrong. When I looked at the brakes they were almost gone, so I changed them and my rotors. I also bought the car with a broken side mirror and told them about it, but they said I would have to pay for that. I told them I was not paying for that because it was broken when I brought the car. The sales XXXX XXXX said that it was not covered in my warranty. The mechanic looked at the mirror and said the bolts were broken. He said that I would have to pay XXXX dollars for the mirror and XXXX dollars to get it painted. I went to talk to the the sales associate that sold me the car and he said he knew nothing about it. The spark plugs needed to be changed because they were corroded and had oil on them. They put the wrong type of spark plugs in my car and it did not run right until I put the right ones in it. I told the mechanic that there is a loud noise coming from my car, which I told them to check the brakes and rotors and they told me there was nothing wrong and they denied me. when I changed my brakes and rotors, the front brakes were worn unevenly on the outer side. The rotors were rusted and were hard to come off. I told them that my dashboard vibrates when I accelerate or slow down really fast. They looked at it, but it still would make noise and vibrate. They do not put the work that they have done on people 's cars in the computer like they are supposed to. 
Furthermore, I am paying too much for this car and the payment do not seem to be going down. It has become hard for me to make the payments on the car and all the car company does is constantly call for money. They do n't care about what I am going through, they just want money. They do n't wan to reason with me at all. The car is not worth as much as I am paying for it. I think there is something else going on.
I have asked Portfolio to validate the debt. The only THING they have sent me was some credit card statements that I do not reconize. Sending bank statements is not Validating debt. this is my last attempt to have this account removed off ALL my credit reports or I will be contacting my states State Attorney General
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these items with all three credit bureaus. I sent the disputes off by certified mail.
I file a dispute with American Express. On XXXX XXXX, 2015, I purchased though the internet from XXXX. I received the product and was is satisfied with quantity and size. I requested a refund from XXXX. I returned their product to them on XXXX XXXX, 2015. Received an email from " XXXX '' on XXXX XXXX, 2015 acknowledging receipt of the product. The only options for a refund is exchange or purchase another XXXX XXXX XXXX and call in a give them the order number and they will refund the XXXX order. I disputed this with my Credit Card company American Express. On XXXX XXXX, 2015 I received an email stating they have completed their investigation and they found that " the merchant has provided support and an explanation for charge in question. " I have requested to see the documents that merchant has provided. I called and though email. No response from American Express. I have called XXXX times to have my case reopen and I am put on hold for XXXX min. at a time and sometimes longer. Only for American Express Serve to tell me that they will send and email to the dispute department. In the meantime, I have no product or my money. American Express Serve customer services are rude and unhelpful. I never said that I did not authorize the charge. I sent their product back to them and I would like a refund. They are refusing a refund until I make another purchase. I am never making a purchase from this company. I am closing my account with American Express Serve and I do n't recommend this product. I feel that American Express Serve customer service are lying about my depute and about reopening my case.
Dear Bank of America, After reviewing my records with XXXX ; I noticed that a checking account that was opened fraudulently is still being reported as having belonged to me. I believe this account either belonged to an individual with a similar name that lived in the same city that I used to live in or somebody fraudulently used my information without my consent. I am requesting that you immediately cease reporting of this account and that you purge all my information from being linked to the closed checking/savings account from your systems. Failure to do so will result in legal action taken against your company/bank in small claims court. I have never had a checking account with Bank of America. If you have proof that I was the individual that somehow opened the account in question, please provide me with all the evidence for review so that I may provide an appropriate response. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
The company offered a credit card with a {$49.00} annual fee. I accepted the terms and then received a credit card. I paid the {$49.00} on XX/XX/XXXX and then today XX/XX/XXXX I received a letter stating that was an error really the annual fee is {$150.00} and when I called them they said it was " just a little mistake ''. 

They refused to honor the {$49.00} then when I ask for it to be refunded they said I had to call them back again. 

First I'm not sure how they can change the terms after they already accepted the annual fee. Secondly I hadn't even activated the card they should be giving me my money back at the minimum. 


There appears to be something wrong with the business practices here.
I applied for the XXXX Card from American Express where in they promised : Get XXXX XXXX XXXX Bonus Points after you spend {$3000.00} in purchases on the Card within your first 3 months of Card Membership. 

I did spend the amount as shown in the attachments and still i havent't got my bonus. 

I think i deserve the bonus and there 's no reason I should be denied after approval of the card. If AMEX is saying that i was not entitled for the bonus, then my question is why did they approved the card at the first place and kept in dark for 2 months where i spent more than {$3000.00} on their card. I would not have done that if I was aware of this outcome. 

I would really appreciate if you can take this matter to AMEX and get me my deserved XXXX points. 

Thanks and regards, XXXX XXXX
I have a XX/XX/XXXX bankruptcy entry that was placed on my credit report and I have been trying for over 10 months to get this entry removed. I have spoken with numbers of representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX I called once again to speak with a representative and inquired how Transunion verifies their public records. I want to know this information because the public record keeps coming back as mine. I has 3 representatives that told me that thr request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advises that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. Contacted the court and they advised me that they do not disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Transunion back, spoke with another rep this time an they advised me that the information is verified by the runner who goes to the courthouse. I asked what information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they sen over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify and information with the bureaus. Transunion refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
I change my due date from the XXXX to the XXXX and discontinue my automatic payments. After this was done I have been experience problems with the company every since. Lending Club want me to call in every month to arrange electronic payments from my checking account and will not allow me to pay on my account electronically myself through my bank or on their website before the due date. The month of XXXX my due date was change to the XXXX of the month and I did not change my due date. No electronic statements are sent out or email to the customer showing their payments or balance due.
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Experian has not updated or correctly updated XXXX of my credit card accounts. At issue is the failure of Experian to list the proper account number for these XXXX credit card account. In addition, in the reply to my dispute, XXXX of the credit unions that issue me a credit card is now erroneously identified by Experian as a medical facility ( XXXX treatment facility ). 
I should note at this time that although the account numbers associated with these XXXX credit cards are not correct, I do not dispute the accuracy of the payment history or balance history of these cards. That information is correct. In fact, I have a very high credit score. 
Why inaccurate account numbers matter : Regulations require financial institutions and government agencies verify our identity prior to conducting business with us. Erroneous information in credit bureau files result in failed identity verifications. 
1. My XXXX Bank credit card is identified by Experian, using a number that I do not recognize, nor does this erroneous number appear anywhere on my XXXX account or statement. I have requested that Experian list the XXXX digit XXXX credit card number for this account, the same way XXXX does. 
2. My XXXX Credit Card is now miss-identified as a " medical account '' ( XXXX treatment facility ) .This latest error is a result of the Experian " investigation '' of my original dispute. This is a credit union visa credit card account, not a medical related account. My original dispute issue also has not been corrected. That issue is that Experian is listing my XXXX digit credit union member ID number, instead of the XXXX digit XXXX credit card number that would accurately identify the account that they are actually reporting on. 
3. My XXXX XXXX XXXX XXXX Credit card is misidentified by Experian by using my XXXX digit credit union id number instead of the XXXX digit XXXX Credit card number that actually identifies the credit card they are reporting on. 
This issue was brought to my attention by a failed attempt by the Social Security Administration to confirm my identity by having me enter a XXXX digit major credit card number. Social Security uses Experian to verify identify, even though ( in my case ) Experian does not associate XXXX digit XXXX account numbers with the XXXX cards that it reports on.
My home was hit during Hurricane Irma as I was in evacuation area. 
We received over {$100000.00} of damage to our property. 
We asked for a forbearance as well as made a claim to our insurance provider. 
There are +- {$45000.00} at " Bayview '' which has not been released for much needed repairs to my home. 
For the last 3 weeks I've been emailing and calling my account rep to try and reinstate the past due balance and hopefully have the monies that are needed for repair released. 
To date I've not received either a call back or an email from my rep. 
This seems like a deliberate attempt to foreclose. 
All I have asked for is to reinstate and I cant even get my rep online, nor will ANYONE from Bayview return my call
XXXX XXXX from Empire Finance in XXXX Mo., trespassed on my property and threatened to report me to XXXX XXXX XXXXXXXX for unearned income on XXXX18, for an amount that I borrowed for {$460.00}. They have also harassed my XXXX year old mother regarding my debt. It was so humiliating due to my roommate who was sitting on the couch that I ended up in the E.R. due to a XXXX XXXX.
we purchased our home in XXXX, due to health issues we need to sell it. We bought the home from XXXX XXXX. It was a foreclosure home. 
We have discovered XXXX undisclosed liens on the mobile home, these liens were both discharged in XX/XX/XXXX. We have received a release to lien from XXXX for the one that they had. 
However, One Main has not done anything but give me a run around. XXXX refered me to them ( letter attached ) as they have no record of the lien. I have called, faxed and emailed all the documents to Main One, and XXXX. I was able to get the social security number for the prior debtor, and Main One and XXXX tell me that they can not find any record of this. If neither of them have any records, Main One should either prove that the lien is still outstanding or provide the documents to give to the DMV ( release of lien ).
My account has been blocked. I did not receive a phone call or email stating the change. I called to speak with the Supervisor XXXX ( employee number XXXX ) and he was not willing to assist me. They have caused me a lot of trouble within the last couple of months. I recently had to move out of my home because they did not send my card when they said they would. I literally waited 28 days for a new card. I could not afford the late fee with my home rental company. The manager or supervisor will not assist me or compensate me. The company is card.com. This company is really a scam. I am without a phone and gas right now because of this company and XXXX will not transfer me to a manager. They always say that a manager will contact me back and I have yet to receive a phone call from the manager. I have been told that since my account was blocked, my direct deposit was returned to the sender, which the last time, my direct deposit was placed in my account and I did not have access to it. Please help as soon as possible.
Suntrust Bank has consistently denied access to our available and deposited funds in our account under the guise of account security. We are making purchases for items for resale and they are consistently declined - for the SAME vendors - repeatedly. These are our daily vendors that we buy from EVERY DAY. We have called and asked that this be stopped as we will continue to make these purchases to fill our orders but they REFUSE to make any accommodation. This is outright denial of use of the funds in our account.