WillisBack/dataset-financial-user-claim huggingface dataset:
After having pay cuts for XXXX or four years after the economic downturn and moving to take a job in another state, my then wife changed locks on the house, filed for a divorce, and later moved out while I was still paying for the house. I applied for a deed in lieu, because I could not afford child care, and support XXXX households, while living in a city XXXX miles away. The mortgage company went through the process but has continued to bring up more paperwork, even after all was signed, notarized, and returned, and liens were satisfied. ( The mortgage is divided into XXXX liens ). I am a veteran. The mortgage was a XXXX VA program. ( Not part of the XXXX VA program. ) The bank has left the house in my name, so any code violations are charged to me, but they changed the locks and have sent people to cut the grass. They need to finish the process and take my name off of the house. The ex-wife also signed and notarized paperwork. It should have been finished months ago. They are just dragging things out indefinitely.
I was reviewing my credit information with all  XXXX  services and noted that   XXXX  , Equifax and   XXXX    are reporting a judgment on my credit report. The judgment was satisfied 3 years ago ( via a payment plan ), and is no longer accurate. I called  the County  Recorder of deeds in  my county  (  XXXX   XXXX , NY  )  and they stated per the  XXXX  Department of Taxation that they do not report tax liens or the status to Credit Reporting Agencies. I then consulted the  XXXX   taxation w ebsite and verified that the  XXXX  goverment does not report tax liens/warrants to Credit Reporting Agencies. On XX/XX/XXXX    I called  XXXX , Equifax and  XXXX  to dispute that a current tax lien satisfaction is being reported by the  XXXX  Taxation or  Kings county  recorder of deeds.  XXXX ,  XXXX  and Equifax contended the information was accurate. I additionally, informed   XXXX   that the information from their specific report states that the records are furnished by  XXXX   XXXX . I informed them this information was inaccurate as I do not reside in  the county  of  XXXX   XXXX . I have attached the  XXXX  Taxation document stating they do not report tax warrants/liens/judgments to credit agencies and inaccurate information can be disputed.
Transworld Systems Inc XXXX XXXX XXXX XXXX, DE XXXX Consumer Hotline : XXXX Consumer Hotline Fax : ( XXXX ) XXXX Has been repeatedly calling me from the following numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I do not have any delinquent debt, they have my phone number confused with someone with similar name.
This complaint is with my XXXX card with TD Bank.

I was late on one payment and was charged a late fee. The payment was made and now I have been charged fees every month for about a year with the total now being {$300.00}. I called twice to discuss this but the people are very rude, and stated they are not with TD Bank and would not allow me to speak with anyone at the bank.

The initial balance was under {$38.00} which is what their late fee is which I believe is illegal.
Broke lease after I found out that the apartment was full of black mold and was causing illness. tried to resolve issues with the apartment complex to no avail. Made complaint with housing authority submitting medical documentation of pulmonary complications to no satisfaction. remaining financial responsibility turned over to collection agency that will not provide statements, and continue to charge interest on original amount. I have endured great stress and financial difficulty in finding housing because of the breaking of the lease. I am a XXXX living on a limited income and these practices are causing great hardship.
I mailed a certified letter to Equifax on XX/XX/XXXX via XXXX, FL Post office @ XXXX XXXX, certified number XXXX, which per the USPS website was confirmed received at Equifax on XX/XX/XXXX @ XXXX XXXX. As of todays date, I have yet receive results of the investigation and it is well over 30 days. I have done my due diligence by mailing the document and the postal service has done theirs by delivering it. Equifax has violated the Fair Credit Reporting Act, in which they have failed to respond to my written request within 30 days, FCRA Section 611 Part ( A ) ( 1 ). I have attached a copy of the certified letter, certified mail receipt, along with confirmation that the letter was delivered. I called in to Equifax today and spoke with one of their representatives in XXXX named XXXX who advised she/he ( couldnt tell if it was a male of female voice ) didnt see any letters from me within the timeframe I advised of. I told XXXX that this was sent certified mail. I called back and spoke with a U.S. rep didnt get her name, who advised me that the letter I sent was illegible. I asked how a letter could be illegible if it was type written, printed and sent in via certified mail. She was at a loss for words once the question was posed. I advised that these accounts all needed to be deleted as they have failed to send a response back to my request within 30 days. She said the only thing she could do was to put the items under dispute, I told her, unsatisfactory. <P/>I also spoke with XXXX in the Consumer Affairs Department on XX/XX/XXXX, who wasnt able to offer any options other than placing the items under dispute now, which I advised was unsatisfactory as they have already violated the law. <P/>I am demanding complete deletion of the accounts listed on this letter as they have failed to respond within the 30 day timeframe they are allowed under the Fair Credit Reporting Act. I am not asking them to put these items under dispute at this moment, as they have failed to do what they were supposed to do and items have to be deleted immediately.
On XX/XX/XXXX I deposited a credit card courtesy check for {$5000.00} via mobile deposit to my Chase checking account. The response I got via the app was that the deposit was not successful. I then deposited the check via a mobile deposit to XXXX. That deposit was successful. On XX/XX/XXXX I  received an email from Chase stating that the deposit was successful. I immediately called Chase and told them when the app said the deposit was not successful I had deposited it to another bank. Chase said they would not complete the deposit. On XX/XX/XXXX I looked at my XXXX account and saw that the {$5000.00} deposit to XXXX had been reversed. I called and was told I could n't deposit a courtesy check into the account. They could n't tell me why. I believed at that point, that the {$5000.00} was not deposited anywhere and my credit card ( that the courtesy check was drawn on ) would n't be charged. Around XX/XX/XXXX I looked at my XXXX account and saw that my credit card was charged the {$5000.00}. I spent the next 10 days or so trying to resolve the issue with XXXX ( the bank the credit card was through ). Every time I received a different reason why I owed my credit card {$5000.00} yet had not received {$5000.00}. I finally spoke with a corporate person and she said XXXX had paid the {$5000.00} to Chase. I began calls to Chase. They say XXXX put a hold on the check and did n't pay it and they claim that when they call XXXX their calls are n't returned. It 's been more than 5 weeks  and I now owe {$5000.00} yet received nothing for it. Each bank claims they do n't have my funds yet the credit card side of XXXX wants me to pay for the funds. No one will take my calls and I do n't know what else to do. I got as far as the executive level with each institution and still no resolution.
The online lender is charging 300 % interest rate on a simple loan. Which I pay back the lender 3x the amount I borrow
I reviewed a copy of my credit report last summer and XXXX XXXX of XXXX was allowed by Experian to access my credit in the form of a hard inquiry without my permission on XXXX/XXXX/2016. 

I was not aware of, nor did I ever authorize such action in written or verbal form in XXXX, as I purchased my car in XXXX of 2016. Also, my car is not financed through XXXX XXXX of XXXX. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

I contacted XXXX XXXX of XXXX who conducted the inquiry immediately after noticing the issue in XXXX of 2016 and asked them to remove the latest credit inquiry from my credit profile, as they had no permissible purpose to access my credit. XXXX XXXX the General Sales Manager agreed to have the inquiry removed, but is now unresponsive to several calls and voicemails. I have also asked my State 's Attorney 's office to investigate this company as this it 's clear that this company as well as Experian is violating federal law with no regard for consumers. 

I am disputing this item that needs to be deleted and I am requesting an updated copy of my credit report, which should be sent to the address listed in this complaint.
Chase Bank is the account holder of my XXXX credit card, A few months ago I bought tickets for my child to attend a festival on XXXX/XXXX/2015 at XXXX XXXX California ( about XXXX miles from home ) we arrived at XXXX and were told that the show time was changed to XXXX since my son and his friend are XXXX I decided to take them back to home. I called the company and was told that there were no refunds and placed a dispute with Chase because I bought the tickets with my credit Card and the service was not performed as offered ( by changing the time ). Chase denied my dispute because the merchant sent them a letter stating that the service was performed as offered in the ticket XXXX but Chase did not verify such information and when I was called I sent them a copy of the ticket were you can verify clearly that the show was scheduled for XXXX doors @ XXXX. I 'm calling Chase dispute phone number and no answer has being provided, I leaved about XXXX messages and no calls or response has being received attached is a copy of the letter received by Chase and a copy of the original ticket I bought
My social security card was stolen and i reported it and some things was placed on my credit and it was then told they can not be removed.
XXXX   XXXX     2017, My  mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,    2017, m y report came back that my current, credit cards were updated with a  XXXX  balance but at this point when  XXXX   XXXX  updated my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was 60 day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract  XXXX .     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an emergency   XXXX   XXXX   so I was n't able to call right away.      XXXX   XXXX  contacted  XXXX   XXXX  to open an investigation for incorrectly posting to my credit report that I was 60 days behind. The cust service woman who spoke with me told me that it would take  10 business days for the investigation to be completed.       XXXX   XXXX  I called  XXXX   XXXX  back as I had not received a letter or call back. The woman who answered the phone stated it would ta ke 60+  days for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would still be  60-90  days before my credit report.     In the mean time my application for my first home will have been declined due to  XXXX   XXXX  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.
XX/XX/XXXX Nelnet reported to the credit bureaus that I was 90 days delinquent on my loans. I was only working part time as a temporary employee and did not even know it was time to start paying the loans. Once I realized what happened I applied for a deferment. They deferred my loans and backdated the deferment to XX/XX/XXXX to last until XX/XX/XXXX, but kept the late status on my credit reports, thus causing my credit rating to drop drastically and not allowing me to get a loan on a house when I became full time status on my job in XX/XX/XXXX. I have not been able to get a reasonable car loan, cell phone plan, etc., since that time, even though it is out of deferment now and I have paid every payment on time. I asked them on multiple occasions to please take this off of my report and they refuse, stating it is a law, but it is not and now my credit will remain affected until some time XX/XX/XXXX.
I recently wrote a letter to the debt collector company of First National Collection Bureau to explain how, where, and when was the original debt collector of XXXX XXXX XXXX who did not notify me of any transactions which I was not aware of from the original creditor of XXXX XXXX XXXX, when I am a XXXX XXXX XXXX person on assistance in Minnesota since XX/XX/XXXX to not know anything until I have slowly recovered. I feel that anyone can be using my name, social security number, credit card or any information of me to fraud. Please advise me on this situation for which I feel I do not owe anything.
CHASE CLOSE MY XXXX VISA SIGNATURE CREDIT CARD THIS ACCOUNT ENDING IN # XXXX ON XX/XX/XXXX TH AFTER I WAS TOLD TO CALL BACK WHEN I GOT A LETTER FROM CHASE CREDIT CARD SERVICES TO SEE IF MY ACCOUNT WOULD REOPEN OR STAY CLOSED. MY ACCOUNT FOR THIS CREDIT CARD IS NEVER LATE ON PAYMENTS SINCE ITS BEEN OPEN ABOUT 6 MONTHS NOW. THIS ACCOUNT HAS NEVER BEEN LATE. WHY WOULD CHASE TARGET MY ACCOUNT FOR CLOSURE?
the XXXX and XXXX accounts are not mind i sent them the letters and police report there still not removing it
Someone had my social Security number and personal information. They are calling XXXX XXXX and changing the address and phone number to Florida and requesting new cards in my name. I have called 15 times this week to keep changing it back. I went to social security office and reported it. XXXX XXXX   acknowledged knowing about the breach in my account and will not stop it. They keep allowing this to happen. I have yet to receive my income. I can not pay bills, I have no phone and I have XXXX young children at home to feed. This is unacceptable!
I was taken to court by Turner acceptance. Turner Acceptance and I came up with an agreement that I will pay XXXX a month for 6 months. My last and final payment was XX/XX/2018. I was sent a paid in full letter by the company and was told to send the letter to each credit bureau. The letter was sent to each bureau. On XXXX first I was hit with a late charge on XXXX. In XXXX I also disputed with XXXXXXXX  and sent them the paid in full letter. I was sent a letter stating that the account is in good ( improved ) standing and the balance is XXXX. On XX/XX/XXXX I review my credit report and Turner Acceptance has reinstated the account as a chargeOff and never been paid. I went to court and the court order was to have the update the account as paid in full once all payments were received. The debt has been reinstated on my XXXX credit report as well. The debt has been paid and they are now reporting it as a charge off. They are violating the court order. The debt was Paid in full.
I recently began to check my credit reports when I discovered a collections account from Enhanced Recovery Company alleging that I owe {$320.00} for what appears to be utility or beverage services. I disputed the debt and Enhanced Recovery Company verified through the credit bureau. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Enhanced Recovery Company has not responded to my validation request and has not removed this trade line from my credit as requested. They are also reporting as XXXX different companies as they are Enhanced Recovery Company on my XXXX reports and Enhanced Recovery Corporation on my XXXX reports.
This company posted a {$74.00} debt collection to my account. I tried calling to remove from account but personnel were very rude and would not provide clear explanation on nature of debt claim. Prior to this transaction posting to my account, I have never been contacted to solve issue prior to it taking a detrimental impact to my credit report. Shameful to delegate such authority to firm like these.
Navy Federal Credit union received credit disputes from me. Processed them late, and provided even later merchant responses. Now threatening to reapply charges unless I respond. I have responded after late receipt of their letters to me. See attached message to them addressing XXXX claims.
This collection agency continued to call my CELL PHONE from an automated dialer after I asked the to remove my phone number over three times.
XXXX and XXXX are showing an outstanding balance on my credit report that I do not owe for Bank of America. I have reached out to Bank of America regarding this account and they indicated that the account was paid off X/XX/2014. I contacted Bank of America in my financial counselors ' office and she too heard them confirm my account status.
On XX/XX/XXXX & XX/XX/XXXX XXXX at XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX pulled my credit report without my knowledge or authorization. I sent them a letter to request a copy of such application and proof of why/where/whom pulled this report. I also asked that they delete such inquiries. They responded without proof, without a copy of such online application and refuse to delete inquiries. I don't know who they are, they are somewhat local to me which is highly concerning that they are using my information to pull credit inquiries. I wish they to be investigated, I wish my 2 inquiries to be deleted and I would like such proof of whom applied for credit with my information. 


Many thanks for whatever you can do!! 

XXXX XXXX ( XXXX ) XXXX
My auto loan was opened XX/XX/XXXX. The original loan amount was {$15000.00} with an interest rate of 21 %. From XX/XX/XXXX to XX/XX/XXXX I have made a total of {$31000.00} in car payments - nearly double of what the car was worth. Yes, I understand the interest rate is high, but I've paid double of what the original loan was for. My statement is still reflecting {$5900.00} due with a maturity date of XX/XX/XXXX. How am I supposed to go from a {$380.00} car note to Santander Consumer asking for full payment of nearly {$6000.00} dollars? I have surpassed the original contract terms of the loan ending in 72 months but still should not owe nearly {$6000.00} on a loan I paid TWICE over the course of 7 years. I am still getting late fees as my daily per diem is {$3.00} and late fees of {$7.00} per billing cycle. This loan and payments should have ended XX/XX/XXXX.
Equifax will not send me my annual credit report. I have requested this several times. I have n't received a credit report in over 2 years.
i has been waiting on the validation of this debt for almost 2 months XXXX {$2900.00}
I began receiving emails from KeyBank in XX/XX/XXXX of this year. I do not have an account with KeyBank nor have I ever heard of them. 
In the email, it stated, " Your Account Has Been Accessed From An Unauthorized Location. Your Online Account Needs Verification Ensure to comlete the verification process correctly to avoid a permanent block on your account. For security reasons imcomplete profiles will be blocked indefinitely ''. 
This was followed by a link to sign into online banking. I did not click on the link but there was a toll free customer service number, XXXX, which I called XX/XX/2017. The system was automated and I was told to enter either an account number, debit card number, or a social security number which I did not do. Once I was able to speak with a representative I was told to disregard the email and throw any mail away. I again explained how it came to me via email and I did not want my email associated with any account with KeyBank. She asked for my email address and name. I provided this information to her. She did not ask for any other contact information. I was told my concern would be escalated but in the meantime not to reply to any email or click on any link in emails received. She also stated they were having issues with fishing emails. 
I have not received any communication from KeyBank since this date. I need to be sure this was taken care of. This is the second of three different companies I 've received emails from concerning a bank account I do not have.
Discover closed my credit account without an reasonable explanation. The only reason the customer service gave is " business decision '', but no further explanations. 
It is unacceptable. I used the discover credit card daily for restaurant, gas and grocery, and paid the full balance on time each month.
when making a purchase at XXXX in XXXX nj, I wrote a check. XXXX contact global payments check services inc for authorization, they declined authorization without reason. I contacted Global who refused to give a reason and informed me they also ran credit checks for check authorizations. Global never asked for authorization or permission to run my credit. Global also acts as a Credit Reporting Agency and collects their own info on people which they base their authorizations on. They refuse to give reasons for declining a check and says they do not correct any info because they do not speak to individuals when they decline to authorize a check. Global Payments Check Services Inc. needs to be investigated for their collection of info and compiling of credit reports that they base their decisions on. Global Payments Check services Inc should be fined for the unauthorized credit checks they run when contacted for a check authorization. Global Payments Check Services Inc appears to be trying to circumvent laws and regulations when it comes to consumer laws.
OnXX/XX/2018, there were two fraud transactions made in my credit card ( {$850.00} and {$53.00} at two places in the same city ( XXXX XXXX, IL ). I have filed a compliant / fraud dispute to the bank on XX/XX/2018 and they have declined. After multiple follows ups with poor communication from the bank, they have denied after multiple escalations and even with the reports that I submitted after filing a federal theft report. Bank of America handled the entire issue very poorly and did not do any consumer protection or provide me with a proper response. 

Their response was the chip can not be duplicated ( credit card chip ) and hence the transaction is true, even after providing multiple evidences to indicate I did not make this transaction, they have denied with this lame reason and did not take any steps to effectively check the chips in their credit card. 

FTC Compliant # : XXXX
On XX/XX/18 made a purchase through a website XXXX the item was suppose to be delivered on XX/XX/18 but was delivered to the wrong addresss i reaches out to the company several time but i didnt receive any responds i then proceeded to reach out to TD BANK who disputed the transaction i sent over paperwork proving that the item never reached to me and that XXXX as well had a claim out on XX/XX/XXXX i received a notice from TD BANK the transaction was correct and my provisional credit was being reversed even thou the item was NOT delivered