WillisBack/dataset-financial-user-claim huggingface dataset:
Dear, I had a unauthorised transaction from XXXX ( XXXX ) on XX/XX/XXXX for {$8500.00}, I called Bank of America and disputed it and I had to replaced my credit card and on XX/XX/XXXX, I had contract and expired on XX/XX/XXXX and was not renewed with XXXX and filed complaint with FCC and CFPB I received another transaction from XXXX for {$110000.00} again I reported it as fraud the last time we made payment with XXXX was on XX/XX/XXXX XXXX stating the payment caused due the merger with XXXX it was a processing error and we will take care of it, I provided Bank of America the name and contract umber of executive office of XXXX including emails but it I did file complaint against XXXX and XXXX with FCC and CFPB including small claim for new transaction ( {$1100.00} ), I only used the new credit card fee transaction why Bank of America paid XXXX again and again does Bank of America suppose to do due diligence and why keep paying unauthorised transaction since we do not have any realionship with XXXX ( XXXX ) that caused me financial injuries.
Filing a complaint against Equifax for failing to respond to disputes/ method of validation request.      XXXX  Sent a letter requesting immediate removal of several accounts that are listed inaccurately/ I was unaware of.These accounts should not have been on my credit report as they were not accurate/ complete information. Most of them were even missing the company 's name. There were  six  accounts/ sets of accounts listed ( please see letter  XXXX   XXXX  Received a response from Equifax which  XXXX  isted all the accounts as " We verified that this item belong s to you  XXXX  Sent a letter to Equifax requesting method  of v erification as I completely disagree with the results they stated on  XXXX  **** Waited 15 days- no response****  XXXX  Sent a letter to follow up on my " method of verification letter ''. Requested that accounts were immediately deleted due to their inability to respond within permissable time frame.     To this date,  XXXX   XXXX ,   XXXX  , I still have not received any type of response from Equifax.
Please reference CFPB complaint # XXXX about XXXX XXXX XXXX. 
Although this complaint was closed on XX/XX/XXXX after providing information to the CFPB that all information was reporting correctly : the bankruptcy discharged in XX/XX/XXXX is still being reported to financial institutions and although ALL accounts were paid off in XX/XX/XXXX, this is not being reflected in information provided to financial institutions. 

Because of XXXX XXXX failure to correct the information ( remove the bankruptcy and show all accounts as paid ), XXXX XXXX XXXX declined my request for a credit card and today I received written information that the denial was based on information solely from XXXX   regarding a bankruptcy and high account balances. The reference number is XXXX and the date of the denial explanation is XX/XX/XXXX. 

Also, on XX/XX/XXXX, BB & T Bank continues to report that XXXX is providing information on the bankruptcy and high balances on my accounts. 

There is therefore a damaging discrepancy between information that XXXX provides to the CFPB and to the consumer and their failure to provide correct and timely information to the financial entities requesting information.
I traded my Ford Focus in a dealership in XXXX tx called XXXX for XXXX $ credit tears my new car loan. That car loan was supposed to be for a jeep commander 4x4 sport year XXXX. I asked were is the 4x4 switch on the car. I was informed by XXXX that it was automatic. Come to find out 4 months later even though it had the 4x4 symbol on the back and the contract said it was a 4x4 sport it was not at all it was just a basic jeep commander. When I contacted the finance company they blamed the dealership but acknowledged it was a invalid contract and I asked them if I surrendered it would I owe anything they said no. By the contract saying it was a 4x4 sport it made it cost XXXX more. I looked at my credit 2 days ag and they said on my credit I owe the finance company XXXX dollars. If this is an invalid contract and it says something completely different than I bought I do n't feel I should lose the money I traded my car in do the four payments I made and also owe XXXX $ to the finance company.
This complaint is about new problems since the previous complaint I had filed that has been called 'Closed. ' The fact is while I was not happy with the result it was at least supposed to be OVER. Without warning, without explanation, without reason, Citibank had already cancelled my card lack XXXX after I'd overpaid and had a credit balance. Refused to tell me why or make a refund. It took 3 months and a complaint with the CFPB to get it but the refund came. They refused to talk to me when I used their identity procedure on the phone but instead tried to do account information phishing on nonCitibank accounts, otherwise they wouldn't talk about my card. And left messages that said my card was permanently cancelled and made a vague accusation of me committing " Fraud '' by disputing some charge in a fraudulent manner even though I wasn't disputing a charge. The caller identified herself as XXXX XXXX, I have no way of knowing if that's a real name or just one she uses. But still no explanation of why they cancelled my card. Others called where I picked out they said " Citibank '' but were too mushmouthed in their speaking to be understood. 

Now, without asking permission of any sort of notice at all, they have started to put charges on the account they cancelled. This is not me going out and using the card. Simply put, there is no excuse for them saying I have anything but a XXXX balance on this account that they have cancelled. This is identity theft, Citibank is guilty of it. 

This is without question a crime on the part of Citibank.
I had around {$30000.00} in student loans remaining at Navient after paying them down for about ten years. I refinanced with XXXX and XXXX remitted {$27000.00} payment to Navient on XX/XX/2018. That ended up being an overpayment of {$1400.00}, and both XXXX and Navient told me that Navient would write a check back to XXXX for {$1400.00} and they would apply it to the principal balance.

According to my Navient statement, they acknowledged the {$1400.00} overpayment on XX/XX/XXXX. After almost three weeks when {$1400.00} had not yet been credited to my XXXX account, I called XXXX and they said they had not received any check from Navient reimbursing the overpayment. I then called Navient and asked them to confirm details of the payment. They told me they " batched '' a check to XXXX on XX/XX/XXXX, but they claimed they could not provide me the check number or confirm whether or not the check was negotiated, and that it takes " up to a month '' for a check repaying an overpayment to be reflected in the new loan account.

On XX/XX/XXXX, a month after Navient supposedly sent a check to XXXX,XX/XX/XXXX XXXX had still not received a check ( I confirmed this through my online account and a call to XXXX ) so I called Navient back and the customer service agent confirmed that there was an overpayment in the amount of {$1400.00} and claimed that Navient had sent a check on XX/XX/18 to XXXX. I said checks don't take a month to go to another state, and she said that it could take six to eight weeks. I asked for a check number, whether it had been negotiated, and copies of the check, and she claimed it was impossible. After the call, I faxed them a letter demanding they process the overpayment and provide me evidence that they actually issued the check. They did not respond to that at all.

On XX/XX/XXXX, I called again and went through the same explanation and the Navient customer service agent gave me the same story that the " check is in the mail. '' I asked her to elevate this to another level of customer service to produce a check number and check images so I could track it and see if it was cashed, and she said she escalated it and that I would receive copies of the check " by XX/XX/XXXX at the latest. '' Today is XX/XX/XXXX and XXXX has still not received a check from Navient and Navient failed to produce the check number or check copies that they promised.

It is apparent that they never sent the check for the {$1400.00} overpayment, and that they have just been holding {$1400.00} to which they are not entitled.
I have disputed two accounts on my credit report for inaccurate information which is killing my credit score. 
XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. XXXX XXXX XXXX now owns them and when i tried to prove to them and XXXX and XXXX with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/ 2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
I have  Ocwen as m y mortgage company, they are not applying my mortgage payments and keep mailing them back. They paid my taxes and I do not have them escrowed. they keep telling me I am 105 days late on my mortgage when I pay every month. I have been a nervous wreck over this in fear that they will start a foreclosure on my home. I can not attach any letters or correspondence that have been going back and forth, because there is a file folder very very thick. I kept everything. this has been going on for the past couple of years. I need help!!! I call them on a consistent basis and get nowhere.
Transunion is reporting an account on my credit report on behalf of XXXX XXXX XXXX. The account which did not arise out of a written contract or agreement is now being showed to be owned by me. XXXX is listed a XXXX XXXX account.
REMOVE THE HARD INQUIRY WHICH WAS DONE WITHOUT MY PERMISSION ON THE XXXX/XXXX/16 XXXX/XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
I am a decorated XXXX XXXX veteran who is tax exempt. Notified the Mortgage company last XX/XX/XXXX yet they paid my taxes anyway. ( took six weeks to get the money back ) Then they lowered my payments to exclude taxes. Last week they paid my taxes again even after being told by the local tax collector not too and put my escrow account in default. Spoke to them on the phone emailed them sent them all of the documents to no avail. Was told by them last Thursday that I am responsible for the escrow deficit. They will not stop paying taxes even the fact that there is not enough money in the escrow account. I do not have the money to make that up and they are going to raise my mortgage payments to make up for the taxes that I do not owe. I do not know how to stop them. Need your help
I opened an installment loan with Wells Fargo around XX/XX/XXXX for {$20000.00} which has an interest rate of 7.24 per annum. They believe that the per diem rate is {$3.00}, according to my statement dated XX/XX/XXXX. 
After receiving several months of activity I noticed that the payments of interest on the loan were increasing rather than going down so I went to the bank and my personal representative contacted the loan dept and after a couple of hours, the verdict was that their figures were correct due to the times that the interest was paid with different periods of time between the dates ... 
I allowed a couple of weeks for them to contact me to allow them to make any corrections to my account which was not done. 
I then went to a different branch of the bank and complained again of, what I feel is a terrible error in the way their computers are programmed, which is bilking thousands of dollars from their customers. 
Again, they explained to the gentleman with whom I spoke that there, was in fact, no error ... however, my XX/XX/XXXX payment dropped from {$92.00} from {$130.00} for the interest due XX/XX/XXXX. No other changes have been made, so far to my account for the " overcharges ''
I 'm filing a complaint during the approved programs Unemployment forbearance program XX/XX/XXXX - XX/XX/XXXX and Home Affordable Modification Program ( HAMP ) XX/XX/XXXX - XX/XX/XXXX. I received numerous calls from the Collections department and letter stating additional payments are due to avoid foreclosure proceedings regardless of the approved programs. I have fulfilled the program requirements making the payments as agreed to maintain on the approved program and additional payments to avoid foreclosure. 
Chase unwilling and unable to provide detail payment posting history explanation of payments, refunds, credit transfers and credits during approved programs Unemployment forbearance program XX/XX/XXXX - XX/XX/XXXX and Home Affordable Modification Program ( HAMP ) XX/XX/XXXX - XX/XX/XXXX. Payments over the monthly approved amount were placed in unapplied principal as credits and then posted to account as additional account payments. When Chase was contacted concerning creative account regarding the overpayments during the approved programs, I was informed this was a standard practice and the unapplied principal is not refundable back to the lender or can be used as future payments. I have attached the approval letters for both approved programs and account transaction history. 
Please review my case to determine if Chase applied the payments applied in acceptable manner during APPROVED government regulated programs.
I visited XXXX on XXXX XXXX, XXXX, my insurance company, XXXX paid the claim for this visit on XXXX XXXX, XXXX. XXXX XXXX XXXX contacted me about the payment and I submitted my ins. docs to them for verification of payment and I never heard anything back. XXXX XXXX I receive a letter from Transworld Systems INC claiming I owe {$970.00} which is and additional {$340.00} on top of the {$620.00} that my insurance company already paid XXXX XXXX XXXX. I disputed this claim an I provide TSI the same verification that I sent to the health center, but on XXXX/XXXX/XXXX XXXX sent a collection notice to the credit bureau now my credit score has been effected.
I opened and account with XXXX with a 30 day money back guarantee. I did n't end up using the account and closed with-in the 30day trial period. When I called to cancel, the agent i spoke with explicitly told me that, given i was cancelling with-in the trial period i will not be billed. 
I was billed and upon contacting XXXX the agent politely informed me that i do n't have to pay anything as i canceled in the trial period. 
Now they have handed over my account to debt collection who keep calling me every day. I have reached out to XXXX and they have no clue why there is any collection call. The whole fiasco is a testament to poor management at XXXX
I borrowed {$600.00} as a short term loan and intended on paying it off. I was charged a {$150.00} cash advanced fee. They automatically took out {$96.00} out of my checking account, which I tried to stop and they failed to let me after I sent them emails and phone calls, which were of no help. Then they charged me a {$65.00} finance charge on the XXXX, which brought my total back up to $ XXXX.The next minimum payment is {$110.00}. {$65.00} would go towards the finance charge and the remaining {$48.00} would go towards the principal balance. Then they plan on charging me another {$65.00} finance charge on XXXX XXXX on top of the minimum payment.
I received a letter that Navient was taking over my student loan and that my payments would be going to them. I checked my credit score and it said that that particular loan closed and my balance was {$0.00} so Im a little confused as to why I would need to make payments to them. I also did a little research and it seems that this particular company is being sued for fraud, among many other allegations. I do not want to keep making payments to Navient if I do not need to. Please let me know what I can do. Thank you so much!
The current balance for this account is NOT {$1500.00} as being reported by Equifax. The current balance on this account has been paid down to {$860.00}. It has not been updated in several months. In addition, this account is on a current payment arrangement and is being paid according to the terms of that arrangement. The statement dated XXXX XXXX, 2016 directly from the VA 's Debt Management Center shows the updated balance. This account should be updated to reflect the actual balance or removed from my credit report.
I am a USBank Depositor ( DDA ) and hold a USBank issued credit card. I was in their branch located at XXXX XXXX, XXXX XXXX, AR to make a DDA deposit when I was advised that I had been pre-approved for a balance transfer option with 12 months of 0 % interest with no fee. All they needed was my annual income. I was advised ( TWICE ) the credit inquiry was a soft pull and I assumed this to be true considering I have a USBank credit card. After spending time in their office, providing my income and employment information, the pre-approval was declined and I subsequently have a hard pull inquiry on my XXXX. The teller and/or " personal banker '' had little or no knowledge about their credit card products or how they worked. It appeared they were simply trying to get me to apply. I would not have applied unless I was truly approved. In fact, I asked about the credit limit and was advised that this could not be confirmed without a softpull! The softpull was truly a hard pull and a decline due to my credit card usage. ( I knew I had balances, assumed USBank did, too and this is exactly the reason I was interested in the balance transfer! ). USBank has caused my credit score to DECREASE due to their fraudulent sales and marketing.
I had tried to open an account online and my initial deposit did not hit the account. I then received a letter saying my account would be closed because my initial deposit was not made, instead of closing the account they left the account open and kept charging me fees.
On or around XX/XX/XXXX, I applied for a short payoff of {$130000.00} with my mortgage Servicer Select Portfolio Services. I was notified a few weeks later that my request was denied. I called and was advised that I can file an appeal which I did. I filed the appeal on XX/XX/XXXX, but this time received a modification which is only saving me {$50.00} per month. 

This is the reason why this plan the mortgage company has for me is not working. The amount of outstanding balance is {$180000.00}, the adjustable interest rate is 10.25 % and my payment is {$1900.00} per month. The property appraisal which was recently conducted by the mortgage company is {$130000.00}, this means, I am {$46000.00} in the hole. Select Portfolio Services does not do refinances so they can not help me in this area. 

I applied for a refinance with another mortgage company which offered me a FHA 4.00 % fixed rate of interest with an approximate payment of {$1000.00}, this is a savings of {$870.00} per month. The only thing that is preventing me from getting this refinance is the loan to value of the house. 

I know I should not have signed the original loan but, my husband and I were senior citizens and did not fully understand that the rate was going to get so high. We had to file a chapter XXXX which got discharged a few months ago in order to keep the house. My husband XXXX who is also on the loan is XXXX years old and working FORTY hours per week as a XXXX XXXX just so we can pay the mortgage. Lately, his health has not been good and within the next six months, the doctors advise him that he must stop working. I am XXXX years old, have some health issues also and is getting ready to retire in XXXX of next year. After retirement, we can not afford to keep this house with this same payment. 

We are older and would love to stay in the house since it is custom made for us. It is hard as senior citizens to pack up and move. We are trying to keep the house, but is in desperate need for your help. We were senior citizens when we refinance this house and should have never been given such a high interest rate, this is predatory lending, we were definitely taken advantage of. By doing a short payoff, we can get a much lower interest rate which will in turn lower our payment by {$900.00}.
On XX/XX/XXXX I contacted XXXX to pay a current bill, which I received a notice for and that bill was satisfied. The representative XXXX said that I had some old bills that he had to notify me of over the phone. He said can you pay at least {$40.00} on the bills? I asked him could he send me the bills, because I never received any notifications about those bills. He said he would send the bills. I never received the bills. 

On XX/XX/XXXX I received an alert from the credit bureaus that XXXX reported these old medical bills as negative collections on my credit reports without any notification or opportunity to dispute or address these old medical bills. This did not occur until I spoke with the representative XXXX. My rights to dispute was violated. 

On XX/XX/XXXX I called XXXX and spoke to the supervisor XXXX XXXX to notify her that XXXX reported these old medical bills as negative collections on my credit reports without any notification or opportunity to dispute or address these old medical bills. This did not occur until I spoke with the representative XXXX. 

She stated that they did not have my correct address and that they sent notifications to my old address and the information was provided by the medical provider. They also, said that they had old telephone numbers and could not reach me by phone. XXXX XXXX said she would call me back on XX/XX/XXXX after she investigated. I did not hear from her so I called her. Instead I spoke to XXXX, which I informed him that I never received the old bills. I informed XXXX XXXX that I had no collections from XXXX/XXXX on any of my credit reports. She claimed that they reported this to the credit bureaus, I informed her that the information was not on my credit reports and that I want the information removed, because it is not my fault that they did not have the correct address. 

This is unfair practice and XXXX did nothing to try to resolve this discrepancy. I informed XXXX XXXX that I would file the dispute, because I want the negative collections removed from my report. I had no knowledge of these old medical bills.
Its was closed off of my credit report and I upload a picture of it another one that say open from the same credit bureau XXXX
FMS is reporting to XXXX and XXXX that I have a collection but there is no amount. I do not have any outstanding medical debts.
Have attempted to obtain a modification on this mortgage since XX/XX/2016. Submitted multiple sets of documents, but no mod. The home is valued well below mortgage, comps in area are XXXX less. No communication from Shellpoint since XXXX XXXX
We submitted the mortgage application with Capital One Home Mortgage, we received the conditional commitment letter, and we also addressed all the conditions specified. After two weeks, the loan was denied, and the only reason from the Bank was " Do Not Offer Term Requested ''. This very irresponsible practice, and why accept my application initially, and why issue a conditional commitment letter? They can not find any fault in my loan application, my credit history and my financial status. I think the bank just want to back out their commitment and not offering me the loan. This is very irresponsible, and no one is willing to return phone calls or email inquiries from both me and my attorney.