WillisBack/dataset-financial-user-claim huggingface dataset:
I have been working extremely hard to raise my credit rating since a major natural disaster flood impacted my family and destroyed my credit in XX/XX/XXXX. Prior my credit was XXXX. Dropped to XXXX. Finally got it to " good '' XXXX in summer XX/XX/XXXX. Suddenly without explanation it dropped to XXXX and Fair rating. I called Transunion immediately after carefully reviewing my credit report and finding nothing wrong. I carefully went over all my credit cards to make sure no problems, none. The balances were lower in XX/XX/XXXX when my rating dropped than when it was higher. Talked to mortgage company, all ok there. Nothing discernible anywhere that would drop my score. Called Transunion again. They said a supervisor would call me back. I rescheduled my work day and waiting in my office for their call. They never did. That happened twice. Called again. Talked to a supervisor 's supervisor. They told me to call XXXX, it was their problem. XXXX said it was Transunion 's problem. Back and forth they sent me. I finally said I would not continue to spend many additional hours on phone. Had spent over 10 hrs talking to Transunion. According to XXXX, my credit utilization percentage is lower, I had no inquiries, no missed payments and an excellent 26 yr length of credit. All good reports. My credits cards are still high from the flood recovery but all are lower than previously when my credit rating was higher? Both Transunion and XXXX would not do anything and could not explain what dropped my score. I finally called you. Pls help me find out what has happened and why? I am about to retire and need to refinance my home to keep my home. I can not do that with a " fair '' credit rating. I have worked diligently to pay all on time.I am XXXX yrs old and am wondering if that is a influencing factor in XXXX and Transunions actions? Thank you, XXXX XXXX
I have dealt with a few of the credit card companies, including XXXX XXXX who had been uncooperative at times with a negative item which had been on my report for 7 years. This occurred in XX/XX/XXXX, during which at this time I have established new credit. The negative item was on or around XX/XX/XXXX-XX/XX/XXXX. I called all XXXX credit bureaus trying to get negative inquiries removed, and all XXXX were uncooperative, so I called XXXX XXXX an agency that helps remove negative items. I do not work full time I am on XXXX, I also had been receiving loan applications from the credit bureaus tempting me to apply, and I did for a few because of my credit card debt, I wanted to get a loan to pay them down and make one payment, they never told me that it would be a hard pull and it ruined my credit score. All of my accounts are paid on time. I also tried to opt out and they continued sending loan applications. I also have a complaint about the companies, XXXX and XXXX XXXX XXXX who I have been a long time consumer. XXXX offered me a credit limit of {$6000.00} dollars and I have tried to get a loan through them and they turn me down because of my income which is from XXXX. Even though I have struggled I am a responsible person and pay them every month. I had called XXXX XXXX XXXX late at night and got a man on the phone who was more than rude, yelling at me saying that I did n't provide any information and that was a lie, I told him my name, and everything he asked I answered it, he continued to yell at me until I asked for a Supervisor. He apologized for the person 's behavior. Whenever I apply for credit, these are a part of the reasons, Proportion of revolving balances to revolving credit is too high. 
Lack of recent information on installment accounts. ( I do n't even have a current loan ) I had one in the past with XXXX XXXX XXXX and they never reported the loan as payed off. Another was, too many inquiries in the last 12 months. ( I explained that to a customer service person at one of the credit bureaus, I believe it was Experian that I have an addiction and am getting help in therapy. Not sure if they believed that but it is the truth. I mentioned earlier that I wanted to opt out because I did n't want to be tempted to apply for any new credit and that was the reason why. I have been treated unfairly with no resolution.
Hi, my name is XXXX XXXX and I reside at XXXX XXXX XXXX in XXXX, New Jersey XXXX. I have a mortgage with Wells Fargo Home Mortgage and I am trying to receive a loan modification on my mortgage. Wells Fargo is violating the law by not modifying my mortgage and I submitted twice for modification and they have refused like they continue doing with majority of people. They have my property schedule on XXXX XXXX, 2016 for Sheriff Foreclosure Sale. I need your help in this matter and thank you for your cooperation.
The Law Offices of XXXX XXXX XXXX continues to send letters to try and collect on a debt that is over the Statute of Limitations. I have responded many times notifying them that the debt is over the Statue of Limitations and was Written Off by the original creditor and have denied the debt many times. They have violated the FDCPA three times now. Attached are copies of their letters and my responses. 

They have also failed to cease communication upon written request by be me. They have communicated with me after validation ( Within the 30 Day Validation Period ) has been made, in which they are in violation. They have threatened arrest and legal action that is either not permitted by law or not actually contemplated. 

Under the FDCPA, the Law Offices of XXXX XXXX XXXX, XXXX is in VIOLATION OF THE FDCPA. XXXX XXXX XXXX, has numerous violations in collecting on many consumer 's in the State of Hawaii using misrepresentation and deceit for his monetary gain. 

Accordingly, XXXX XXXX XXXX, Attorney, is acting as a debt collector buying up defaulted loans that are too old and are over the statute of limitations to sue and also have been written off by the original creditor for pennies on the dollar using misrepresentation and deceit on unsuspecting consumers who do not understand their right under the FDCPA to try and collect. 

I would like to have XXXX XXXX XXXX XXXX brought up on charges for illegally obtaining monetary funds from many unsuspecting consumers in the State of Hawaii, using misrepresentation, threats of arrest and jail time and illegally getting judgements against consumers who do not know their rights on old debts to be sued upon.
Hello, Early last XXXX possibly XXXX XXXX I contacted Bank of America to file a check fraud claim regarding a cashiers check that was stolen. I was told approximately 15 days or so after constantly calling checking on the status that it was submitted incorrectly by the customer service representative and needed to be corrected. That was done and the new claim # is XXXX and paperwork soon followed and I was then told by Bank of America that they received the paperwork and that a request had been sent to XXXX XXXX to recover my funds from them to be sent back to BOA to return the funds to my checking account. Again I continued to call over the past couple of weeks and had constantly been being told its a waiting game and the request had been sent and we have to just wait. I was given a telephone number to call XXXX XXXX by a customer service rep at BOA and that telephone number is XXXX. I did in fact call this number and reached a young lady that told me she would do what she can to assist me, but that I was not a " XXXX XXXX '' customer and that she was limited in what information she could release to me. She then came back and told me I needed to contact BOA again because their department should be able to get answers as that department is a go between and they are able to handle this sort of situation. Of course by this time I am frustrated, so I filed a complaint with you all the Consumer Financial Protection Bureau, complaint # XXXX and the complaint was sent to XXXX and XXXX send me a letter XXXX/XXXX/XXXX stating that they have no such request from Bank of America and referred me back to them. The letter is attached. I am being told by BOA that the request is sent and I am being told by XXXX no such request has been received. Please HELP ME!!!
Discover is making frequent calls to my work place even after being asked several times by receptionist that they can not call at work
In summary : I have an issue with a JCPenney transaction from XX/XX/XXXX that has negatively affected my credit. It is a valid transaction but I never received a bill. I am requesting that it be expunged from all XXXX creidt bureaus. 
I purchased an item in XX/XX/XXXX for about {$35.00} at JCPenney but did not have my JCP credit card. They looked it up and posted it on an old JCP card that we no longer had, instead of the current one. Since we had n't used it for over 6 years and two household moves, we never received the bill nor any follow-on statements. I first I discovered the transaction when I found it on my annual credit report review about a year later in XX/XX/XXXX. At that time it was negatively affecting my credit score and I thought it was fraud since I did not have the card or the account it was referencing ( plus it had an incorrect name as XXXX XXXX instead of XXXX XXXX ). I tried to have it removed for several months as fraud, speaking with and sending letters to both JCPenney and Synchrony Bank ( who processes their card ). In XX/XX/XXXX, I determined it must have been legitimate based on the location and time of purchase which was disclosed to me at that time by Synchrony Bank. lt was in our home town in Ohio and we were there at the time. I paid the amount they indicated ( with fees at {$53.00} ) on XX/XX/XXXX and confirmation number XXXX. I was told to wait 2-3 weeks and then dispute the charge through each of the XXXX credit bureaus so that JCP/Synchrony would erase it with notification back to those bureaus. In late XX/XX/XXXX, I talked with each of the bureaus ( XXXX, XXXX and XXXX ) and each entered a dispute back to JCP/Synchrony. I have heard back from XXXX of the XXXX Bureaus indicating that JCP/Sychrony felt the transaction was valid, paid and nothing more would be done. 
This is unacceptable. I have had excellent credit for 50 years. I have no other negative marks on my credit, having XXXX-XXXX mortgages over the yearts and currently holding XXXX bank credit cards and XXXX-XXXX retail credit cards. This will negatively affect my credit for at least another 5 years. I need your help to erase this transaction information from my credit reports. I could not pay the bill since I never received a bill back in XX/XX/XXXX since the retail clerk posted it to the wrong account.
I began the mortgage process with Bank of America in XXXX 2016. I had been given a closing date for my house 3 separate times. The last two times I was told of a closing date, I did n't find out until the day before, and one even the day off. I was assured over and over that I would be closing. The bank lied to myself and my realtors about information they sent out to previous apartments I had lived in, saying they never heard back from them and that 's what the hold up was. I called both my old apartments, and they both said they did n't receive anything from the bank until 2 days before I was set to close, when the bank told me they had sent it out weeks before. They said that was the only thing holding the closing up, and yet days later I receive an electronic message saying they needed more information/paperwork from me. Every week they tell me they are all set with things they need, yet I keep receiving something new they need from me. Because of the bank and their horrible lying/slow process, I did not close on my home before XXXX XXXX, so now I will have to pay 30 percent more in my taxes. I call/email my mortgage person and his boss, and do not receive a response, they ignore me. Also I went with a program that requires only 3 percent down at closing, yet my closing costs are skyrocketing each time I get paperwork from them, and we are now far over 3 percent.
From the start when my husband and I became qualified for  XXXX  mortgage relief program , Nation Star mortgage sent four applications out to be notarized after had we the first three notarized, this was getting very irritat ing and time consuming since we both had to be there. At this time in early  XXXX  they continued to report us as 120 days late when we were on time making trial payments and we told we would not be reported by numerous associates. They also reported the months of  XXXX , and  XXXX  of  XXXX  as 120 days late when they were paid on time. Then  XXXX  of  XXXX  through  XXXX   XXXX  are being report ed 90 to 120 day s past due when they were paid on time. This issue is greatly affecting my credit history and number which hinders my ability to receive a good finance rate which I deserve. Please inquiry with this company.
I was called 3 times today XX/XX/17. They wanted a payment. I authorized {$10.00} they took {$16.00}. This will cause an overdraft on my checking account. I called the company back and told them I did not authorize the {$16.00} and want all the money returned to my account. They said this will take 5 days. It only took a couple of seconds to get it from my account. I do owe XXXX XXXX XXXX XXXX for this and was told I could pay over time. This company calls me several times a day and I tell them the same thing each time they call.
Upon reviewing my credit report with all three XXXXcredit bureaus I was informed that I have late or missing payments which I do not owe, and have been reported for more than a year as deliquent. Attempts to get written verification proved unsuccessful as the complaintant stated, " they did not have to prove anything to me. '' I am trying to purchase a home and this situation is preventing that from happening due to FALSE information being listed on my credit reports.In other words, this debt is NOT mine! 

Please assist so that I will not have to pay for legal help in this matter.
Company : NCR ( XXXX XXXX XXXX ) After recieving several calls and voicemails, my sister told me to call this company back. They told her that I owed a debt and they would be pressing charges on me. When I called, they told me I had to pay that day or else they would be pressing charges against me. I was more worried about the warrant and court fees at the moment so I authorized the payment. After doing much research, Ive discovered that this a popular scam and I am deeply saddened. I only have {$270.00} to my name and gave them {$200.00}. As I thought, that payday loan was indeed paid off and I did not need to make any further payments. This payment was made on XX/XX/18.
I have wrote a letter to the Cooling & Winter Law firm concerning a debt from 2008. I was paying XXXX XXXX XXXX XXXX. Paying XXXX for past few year prior to that is was another company. I do n't believe I still owe after all these years. I wrote a letter asking for a clear a statement showing all the money that has been applied. They have not responded 30 days ago. I pulled my credit fnot long ago it show that the was close in 2008 an still shows I owe XXXX. Which tells me this debt is not clearing up the balance on my report. Please help get this resolved.
my experian credit score drop XXXX points and I have done nothing in past XXXX days to make it go down. 
I have been making payments on tradelines on time and never late over XXXX years my score was at XXXX in XX/XX/XXXX in XX/XX/XXXX drop to XXXX and in XX/XX/XXXX drop to XXXX I received a copy of my credit report from annual credit and their has been no Identity theft the only thing on Experian is my ex wife name is on it and a few inquiries I do not " recognize '' and I have been legally divorced since XX/XX/XXXX she should not be on any of my credit reports I have spoken to " experian '' and they said something about a segment program that they use to calculate my score that uses other people score in my category and that the older anything negative on your report is the stronger it is thought it was reverse I thought that my score was based on individual credit behavior not anyone else I feel like I can not get my score past XXXX even though I have paid my current obligations on time never late for over XXXX years VERY DEPRESSING I ask that this agency investigate my claims
On XX/XX/XXXX I filed a dispute with Chase for charges from XXXX XXXX XXXX XXXX    XXXX on XX/XX/XXXX for {$280.00} and {$380.00}. Despite the mountain of evidence, I provided on both my original dispute and my request redisputing the card on XX/XX/XXXX for the following reasons : Incorrect Amount charged, Not as Described or defective merchandise ( no heat during a winter storm, leading to a below freezing room ) and misrepresentation ( XXXX Best Rate Guarantee not honored ) Chase either failed to fully investigate or ignored all the evidence as no detailed reason for the chargeback being dismissed was provided and nor was any compelling evidence.
I Refinanced my auto loan from 11 % to 3.99 % with XXXX after realizing that my credit was not as bad as I was told by the car dealership where I purchased the vehicle on XXXX/XXXX/2016. On XXXX/XXXX/16, I overnighted the payoff to Capital One Auto and it was received on XXXX/XXXX/2016. I am in the process of buying a home my credit score dropped almost XXXX points due to Capital One not updating the credit reporting agencies. I also have requested that they notify the Credit Bureau that the loan was paid in full so they can update my credit report to show only XXXX loan. and have requested Capital one to fix the issue and they are putting the earnest on me to do so.
SOLD REAL ESTATE PROPERTY IN 2010. I WAS LATE XXXX PAYMENTS. XXXX. US BANK TOOK 6 MONTHS TO GIVE MY PAYOFF FIGURE ALL THAT TIME CHARGING INTEREST AND PENALTIES. THEY NOW REPORT THE HOUSE WAS FORECLOSED ON ... I NEVER RECEIVED ANY PAPER WORK OR NOTICES ON THIS THE HOUSE WAS NOT FORECLOSED AND I LOST SEVERAL THOUSAND DOLLARS BECAUSE OF THIS. I CALLED THEM DOZENS OF TIME DURING THE SALE AND WAS IGNORED EACH TIME. ALL CREDIT REPORTS SHOW THIS AND I CONSIDER THIS FRAUDULENT BY THE BANK. THEY ALWAYS SHUFFLED ME AROUND AND STILL NO ANSWERS EVEN TO THIS DAY ALL I GET IS THAT THEY WILL LOOK INTO THIS AND I HAVE ASKED FOR ALL THE PAPERWORK INVOLVED,,, STILL IGNORED
Unfortunately, there are several things to complain about with  BMW Financial Services.      First, The check i sent on  XXXX  was cashed b y BMW  on  XXXX  a ful l two wee ks after sending. This is a typical timeframe f or BMW to cas h a check. It was sent from NY to KY. This check, along with all others was sent with the remittance from statement, but never applied to my account. I called several times and even emailed a copy of the cancelled check to  XXXX  XXXX  XXXX  on  XXXX . Still no answer.     I called today  XXXX , they tell me a manager should call me back w ithin two days!!      Second, I send my check for my lease each month on or about the  XXXX . Many times it is n't cashed until the  XXXX  of  XXXX  of following month and they want to charge a late fee. Due date is the  XXXX .     Third, they have been harassing me, by calling on my cell phone at le ast 12 tim es a day, a clear violation of FDCPA. Even after I instruct not to call my cell phone, they continue to call.     Now, i am accruing late fees, harassing phone calls and no doubt blemishes to my perfect credit while they maintain my money!!! All due to BMW 's ineptness.
I wired money from my Citibank account in the XXXX to my XXXX account with a XXXX Bank in XXXX. 

After I made my wire transfer online and get the confirmation number, I was called XXXX times from Citibank to verify my identification. After all these XXXX calls, I was told that I had answered all their security questions and the wire transfer would go through soon and I just needed to wait here. 

Then I was called again by Citibank ( the lady actually hanged up on me ) that my online wire transfer can not get through, and I need to fly to another city ( XXXX ) with Citibank branch to get my own money back as there is no Citibank branch in XXXX. People refused to answer why I was treated like this this time as it never happened to all my previous online international wire transfers ; and they refused to answer what policy caused clients to go to another city to get their own money back. 

This transfer is from me to myself, the sender and the receiver are the same person and I have answered all their security questions, XXXX times. 

I believe it is not reasonable to treat clients like this, and the service people are very rude
I opened a XXXX XXXX credit card ( serviced by XXXX XXXX in XXXX. I never had a late payment since I had the card. On XXXX XXXX, XXXX, I attempted to use my card to make a purchase at a XXXX XXXX store. At the time, I was told my account had been closed. 

This was a surprise to me, as I had checked my account online before going to make the purchase. I have included screenshots of my online account from XXXX XXXX, XXXX ( you can see the dates in the lower right hand corner ). It clearly shows a zero balance and a {$4500.00} credit limit ( see screenshot # XXXX on the attachment ). It also shows that I have a next statement date of XXXX XXXX, XXXX. 

I called their service number and spoke with a customer service representative. They told me that my account was closed in early XXXX, XXXX. I asked why this was done without notification or warning. The representative checked and confirmed that no letter or email was sent to me to notify me of the closure. They could not explain the account showing as open on the website. They told me I would need to apply for a new account. I told them I did not want to open a new account because that would require a new credit pull, which would be unfair to me. 

I asked to be escalated to a XXXX who told me the account was closed and confirmed there was no adverse action behind closing my account. They refused to open or allow me use of my account. 

I am confused that my account was closed without warning or notification. I am also confused that I was sent marketing material information in late-XX/XX/XXXX when my account had been closed XXXX see screenshot # XXXX, email dated XXXX XXXX, XXXX ).
Back in XX/XX/2001, I had a checking account with Wells Fargo. I did n't look at my statements every month but after over a year, I did look at my statement and noticed a $ 10 monthly charge for " Online Banking '' -- something I did NOT sign up for or authorize. This prompted me to go over my previous statements, whereupon I saw that Wells Fargo had been charging me this fee for over a year! When I called to complain, I was told that I would only be reimbursed for the past 3 months ( {$30.00} ), because I should have noticed this sooner. Soon after this, I closed my account with Wells Fargo. Now, in light of all the fraudulently created accounts that have been discovered, I think it 's worth sharing this complaint to show that this nefarious practice goes back for at least 15 years. I no longer have any of my bank statements from that time, but if Wells Fargo still has them, I would like this to be investigated, and to be compensated for the money they stole from me. Thank you.