WillisBack/dataset-financial-user-claim huggingface dataset:
I have had continual problems with a XXXX XXXX credit card I am a co-signor on. I have filed numerous complaints over the last few years relating to the identical issues. 
1. XXXX XXXX reports inaccurate information 2. XXXX Bank again has reported inaccurate information on my credit report 3. XXXX XXXX does not respond timely to my complaints 4. XXXX XXXX  has admitted to errors in the past but still does not correct these errors 5. I have documents factual proof from past issues and this current problem Current and newest problem : Requesting an EXPEDITED Resolution for the following reasons : -XXXX XXXX has reported a credit card in my name as ( 30 ) days Late for XX/XX/XXXX - I have irrefutable proof XXXX XXXX reported the above account as late inaccurately attached is a copy of my Experian credit report from XX/XX/XXXX and a copy of my XXXX XXXX statement dated XX/XX/XXXX showing a balance of {$120.00} and paid on time, NOT {$4700.00} - US Bank event reports the date of last update as XX/XX/XXXX THIS IS MORE PROOF OF XXXX XXXX  CONTINUALLY MAKING ERRORS
Complaint Against : XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX/XXXX - XXXX XXXX Husband called back to the agent, verified the caller as XXXX XXXX. Agent confirmed that she did call and speak with neighbors. Notified agent that FDCPA complaint, Attorney General Complaint and BBB compaint was to be filed. 

XXXX/XXXX/XXXX - XXXX XXXX XXXXXXXX XXXX - Called and left message with my neigbor 's fiance XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX - Called and spoke with my neigbor regarding debt XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX Called and Spoke with my husband regarding debt XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX Called and spoke with my mother-in-law [ Did not get name ] XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Called and spoke with my father. He let them know they were violating FDCPA [ Did not get name or extension ] XXXX
I am actively serving in the United States XXXX XXXX and am looking to use my VA benefits this year to purchase my first home with my husband. Upon review of my credit report, I noticed a 60 to 90-day late payment on my student loan ending in XXXX in XX/XX/2018. However, per review of my Navient account : I made a forbearance payment XX/XX/2018. If forbearance covers me for 30 days, why is it that I was reported 60 to 90 days late on my credit report in XX/XX/2018? Please see attached. 

I monitor my account closely so based on this information, my account was current.
I refinanced my loan, and had an escrow balance of {$1900.00} to be refunded to me when I looked at my account after it had been paid off. When I received the check, they shorted me {$100.00} and only paid me {$1800.00}. I called and they said it was Mortgage Insurance paid on XXXX/XXXX/16 when my refinance closed on XXXX/XXXX/16. They said it was in arrears. I asked my lender if this sounded right he said no that they only way that would happen is I 've been late or missed a payment. I 've never been late on a payment, my Mortgage Insurance started with my first payment and I should n't have been shorted. I would like help with this please.
i was scammed with a vehicle given fradulent XXXX that didnt belong to the car who was wrecked prior to my sale and repaired then was forced into this loan lost my job due to health issues and car was repossesed now they have offered me a settlement and i gave i but they refuse to update my credit file as its being reported unaccurately
During the period of XX/XX/XXXX-XX/XX/XXXX, my checking/saving/select credit Accounts in HSBC were used for the following unauthorized transactions : {$4900.00} ( XX/XX/XXXX - wire transfer from checking ) {$4000.00} ( XX/XX/XXXX - wire transfer from checking, already credited back on XXXX ) {$5000.00} ( XX/XX/XXXX - wire transfer from saving ) {$8600.00} ( XX/XX/XXXX - wire transfer from saving, already credited back on XXXX ) {$2400.00} ( XXXX - electronic transfer from checking ) {$2400.00} ( XXXX - electronic transfer from checking ) The hacker also transferred {$4500.00} from the select credit account to my checking on XX/XX/XXXX in order to facilitate some of these unauthorized transactions. 

Origin : The E-fraud prevention team from HSBC bank called me on XX/XX/XXXX and wanted me to confirm some recent online activities on my accounts. I missed their phone call initially so I tried to call back that afternoon but the wait time is too long. I finally managed to call them back next morning on XXXX. The representative informed me my accounts was compromised. He went through the unauthorized transactions with me and said only the transaction of {$4000.00} can be recalled immediately and for the rest they will investigate and get back to me in a few days. 

Couple days later I am able to see one transaction ( {$8600.00} ) credited back to my account. I called them for a status on the remaining transactions and they are still working on that. That representative said it would take a maximum of 10 days to get me a final response otherwise will credit full amount back to my accounts. 

On XXXX, I sent a formal letter to HSBC headquarter in XXXX XXXX XXXXXXXX to notify them that I am a victim of identity theft and never authorize anyone else to use my accounts in any way. This is to protect me in case the bank said I never contact them in written statement about the matter. 

Afterward I called them a couple of times on XXXX, XX/XX/XXXX and XX/XX/XXXX to get a status for the remaining transactions, and every time I was told I need to wait few more days to finish their investigation. The last time we spoke on XX/XX/XXXX, they said they need 8-10 more business days to investigate!

Note : Attached is the formal letter I sent to HSBC headquarter using certified mail. The reference number of the case they opened for investigation is : XXXX - XXXX.
Citi credit card refund ... ... ... ... ... HELP Need answers to make inquiry for refund
While reviewing my credit report I discovered GLA Collection has placed a derogatory item on it. They state I owe {$63.00}, however will not provide any proof showing my signature as mandated by law. I have sent them XXXX letters requesting proof and they can provide me what the law mandates. I plan on suing this company if they do not remove all derogatory information on my credit reports.
I paid my bill from XXXX and was advised by XXXX collection agencies that they have requested that it be removed from my credit report back in XXXX 2015 when I paid the balance and again on XXXX XXXX 2015 when I purchased my credit reports and noted that it will still on there. There is also a charge of XXXX that shows closed that should be off my credit because that should have been put through my health insurance.
I contacted Kohl 's credit card on XXXX/XXXX/2017, managed by Capital One to set up a payment arrangement to prevent my account from closing and going into collections. I set up a verbal payment arrangement to pay the minimum due on XXXX/XXXX/2017. The agent who took my call stated that on that day when I made the payment to call to get the late fees refunded. She also stated she would notate my account of the payment arrangement. I made the minimum payment of {$200.00} on XXXX/XXXX/2017 and I called on XXXX/XXXX/2017 to get the late fees refunded, only to be alerted that my account closed a fee days earlier. I spoke with a Supervisor who was going to pull the call to find out what happened and after not hearing anything for a few days, I messaged Kohl 's via XXXX. I was contacted by XXXX with the " President 's Office '' who stated she was going to pull the call. I called XXXX last week after not hearing anything and I finally heard from her on XXXX/XXXX/2017 and she stated that the agent notating the account of the payment date we discussed was not a payment arrangement and that they were under no obligation to open the account. Also they stated the agent was under no obligation to tell me that my account would be closing before the payment arrangement date. This is unacceptable when I honored the verbal payment arrangement with Kohl 's and even paid a day early.
I have written to the company on XXXX XXXX, 2017 requesting documentation supporting their permissible purpose in accessing my credit files with all three Credit Reporting Agencies. Their response was simply a verification that they had accessed my files, but no supporting documentation was sent. Lacking permissible purpose, these inquiries should be removed.
MY MORTGAGE COMPANY DEFAULTED ME BECAUSE I FELL BEHIND ON MY PROPERTY TAXES, WHICH I HAD MADE ARRANGEMENT MY COUNTY TO MAKE PAYMENT MY HOUSE PAYMENT NEVER BEEN OVER 30-DAYS LATE, THE COMPANY CALLED MY JOB WAS VERY RUDE WITH MY CO -WORKER I WASNT IN, THEN THEY CALLED LEFT ME A VERY RUDE VOICEMAIL, THE ONLY REASON IM DEFAULTED YOUR CONTRACT BECAUSE OF YOUR CO-WORKER WAS RUDE, WHEN SHE WASNT SO I CALLED TO SPEAK TO THE PRINCIPAL OF THE COMPANY, THE LADY THAT HANDLE MY MORTAGE XXXX SAID HE DOSENT WANT TO TALK TO YOU, RIGHT AWAY THEY RASIED MY FIXED RATE FROM 7.5 % TO 28.99 % AND SAID IM CHARGING YOY XXXX INSPECTION FEE WE NEED RIGHT AWAY, I HAD BEEN UNDER ALOT OF STRESS WITH THE DEATH OF MY WIFE, MOTHER, BABY SISTER, AFTER THAT WE HAD A HEAVY RAINFALL WHICH DAMAGE MY ROOF AND BEDROOM I FILE A CLIAM MY INSURANCE TO FIX IT, GAVE THEM THE CHECK THEY TOOK THERE TIME TO ENDORSE AND SAID BY LAW WE ALLOWED TO GIVE PEOPLE THAT WORKING ON YOUR HOUSE 10 %, DOING ALL OF THIS I WAS GOING TO ANOTHER FINICIAL COMPANY TO PAY THEM OFF CAUSE EVERY MONTH I WAS SENDIND MY MORTAGE OF {$600.00} BUT SINCE DEFAULT ME 28.99 % MY STATEMENT WAS {$10000.00} EVERY MONTH SO THE COMPANY I WAS TRYING TO REFINIACE THROUGH SAID THEY NEVER HEARD OF THIS MATTER AT ALL, SO I REFINIACE MY HOUSE WITH THEM MY FORMER COMPANY TOOK THERE OWN TO GIVE A PAY-OFF I BELIEVE TO ALOW THE 28.99 % INTREST TO ACCUAMLATE, FINALLY COMPANY HAD TO DEMAND FOR PAY-OFF AND AFTER THEY GOT PAY-OFF, THEY WRITTEN OUT THE INSURANCE CHECK THAT MY INSURANCE COMPANY HAD SENT TO FIX MY ROOF AND INSIDE, BUT THEY WROTE CHECK LIKE IT WAS A REFUND OF MORTGAGE PAY-OFF, I BELIEVE IWAS TREATING WRONG AND UNFAIRLY, I HAVE A COPY ON VOICEMAIL HOW RUDE THE PRINICPAL OF THE COMPAMY, MY CO-WORKER WILL WRITE A STATEMENT HOW RUDE HE WAS CALLING MY PLACE OF EMPLOYMENT, AND HARRASED.
XXXX XXXX XXXX XXXX continuous to report account to EQUIFAX with wrong account numbers also account was included in BK still showing balance owed and past dues.
I tried to cash my WV XXXX tax refund ( {$97.00} ) at XXXX on XXXX/XXXX/16 at XXXX. I received a notice that my check was declined by Certegy. When I called the number on the receipt, I received a recording that it was nothing I did wrong and that I should take my check to a non Certegy retailer. Then the call just ended. I was not given an option to speak to anybody. It did this at least 6 times. Finally, I googled Certegy to get a number. I spoke with XXXX ( Rep ID # XXXX ). I asked why it was declined and she refused to tell me. She said that she could not give me that information because I was not the owner of the account. She also said the WV Tax Dept. needed to call them to verify the check before they could clear me out of their system. I called the WV Tax Dept. After being on hold for almost TWO HOURS, I was told that there is nothing wrong with the check and that Certegy has declined almost all refund checks from the State of WV this year. The Tax Dept. says they will not call because they have had SO many reports of this happening that they just do not have time or enough staff to call on each and every check. I have never written a check so I know that I have no bad checks outstanding. I do not have a bank account, can not afford to open XXXX and should not have to do so. Certegy is refusing to okay my transaction without telling me why. It just seems like a huge run around - the merchant says it is Certegy 's fault, Certegy says it is the Tax Dept 's fault and the Tax Dept says it is Certegy. I just want my money as I do n't make much and really need it. This is unfair for Certegy to decline transactions without giving me a reason or making it appear that I have done something wrong. If it is nothing I 've done, and it is a government check that is valid, they have no reason to decline the transaction. In addition, getting any information on why it was declined or how to fix it has been a nightmare. Certegy should not be allowed to commit fraud in the name of " fraud protection ''. While on the phone, they offered to sign me up for a free " VIP '' service that will monitor my credit report. I have never had a credit card and have no reason to have a service like that. I believe Certegy is declining my check in order to enroll me in a service that I will end up paying for in some fashion. Please make them stop this!!! I have no idea who else to call or how else to fix this situation.
They required unreasonable documentation in order to change the checking account that my payment is drafted on. You must call in to customer service and are required to submit a copy of a bank statement and voided check. Documents must be faxed or emailed. 

This is unreasonable in that most financial institutions allow for these changes to be made online or over the phone without having to submit " proof '' of account ownership.
I have submitted two letters to the credit bureaus asking them to verify a collection I found on my credit report that I do n't recognize and I have n't gotten any responses. I have no idea what this company is or why it 's on my credit report.
I have repeatedly notified Experian that they are sharing my credit report without my permission. They refuse to remove the unauthorized inquiries. XXXX XXXX Date of request XXXX/XXXX/2015, XXXX XXXX Date of request XXXX/XXXX/2015, & XXXX XXXX XXXX Date of request XXXX/XXXX/2015 are all unauthorized inquiries. Finally, they continue to report erroneous data that I have an account with XXXX XXXX that was late and a charge off with the XXXX. These are not my accounts.
Portfolio Recovery on numerous occasions has attempted to collect a debt that was not mine. They have two accounts at their office. They report it for a XXXX card and XXXX XXXX credit card. 

I sent letters in XXXX, XXXX, and XXXX disputing the debt with them and with the credit bureaus, but continued to receive letters in the mail and phone calls. 

I've requested that the accounts with Portfolio Recovery be removed from my credit report because the debt could not be verified.
I have been paying {$5.00} per month for my federal student loans forever. Today, I received a bill for {$100.00}. This amount will be taken out of my account as I have recently had direct debit with my bank and XXXX XXXX and before that it was another servicing company, XXXX XXXX. They both tricked me into getting my bank info thinking I would not be late on a financial hardship loan payment ever again. 
I barely live paycheck to paycheck, I pay all my bills but this one I can not afford! They tricked me! I want to cancel my bank information but they have not gotten back to me.
I received an alert from my credit report that XXXX XXXX reported a collection that showed up on XX/XX/2018. 
It seems like Midland bought my debt from my former creditor but I was not made aware I have a new number and moved last year I contacted Midland once I found out I had that debt that knocked down my FICO score 40 points. 
I explained that I was not contacted due to the institution not having the correct information. I provided them updated information. 
I spoke to several people and I was unable to come to a resolution.
The Bank of America approved a check that I deposited into my bank account on XXXX XXXX, 2015. I waited for the check to clear and then made an electronic transfer into another account at the Bank of America for the purchase of a computer and software. Immediately after I made the deposit into the other account the bank told me the check was fraudulent and I was responsible for paying back the money - even though they had they money from the check in another account at their bank. I explained to them what had happened - which is in a statement attached to this website- and they refused to even take a fraud report. I believe the Bank of America is guilty of money laundering and now they have placed my name on a banking blacklist so I can not open an account at any other bank. 
Please see attached statement to get the full details concerning this event. I submitted one claim already and did not hear anything back and I can not find the reference number so I am filinf another complaint about the same incident.
I have been making partial payments for years where the partial payments add up to the total monthly amount due. 

The company Specialized Loan Service has harrassed me on numerous occasions forcing me to take time off from work to deal with them. Literally days of phone calls with them. 

They refuse to apply my payments to my Load Payment and insist that they will not apply it to my loan payment. 

The result will be that even though I am paying them consistently they will forclose on my property
I have Federal studen loan that was paid in full and leaves still on the credit that has not been paid for me as I have it removed? 

Why
Company will not provide or respond to validation of debt. The SCRA states that a landlord may not evict a current servicemember from premises that serve as, or are intended to serve as, a servicemembers primary residence during a period of military service, without a court order, assuming that the monthly rent for those premises does not exceed a certain amount. See 50 U.S.C. 3951.
Chase incorrectly applied one of my payments to principal instead of payment and they have been hanging me late fees ever since. I have tried to fix this 3 times! In addition, I believe that their XXXX  has caused me to miss an important mortgage reduction offer.
Since I got my permanent resident status, I am banking with BBVA Compass. My relation with the bank is under two years. 

Recently closed my office and immediately asked BBVA to stop payment monthly rent, to the owner of property, I made a stop payment request on XXXX/XXXX/2016, and again on XXXX/XXXX/2016. 

Due to some password issue, I visited bank branch on XXXX/XXXX/2016 and enquire about balance, which was in positive. If on XXXX/XXXX/2016 branch manager showed me positive balance. 

BBVA on backdate made payment of rent, ignoring my online request for stop payment and charge certain amount as overdraft protection. 

Since there was positive balance so I made deposits on my XXXX credit cards, resulting bank made payment and exercise overdraft protection twice as XXXX transfers. 

Now BBVA instead admitting the mistake of over sight of stop payment request, pull more money and negative balance increase. 

I want to close my XXXX accounts of BBVA and wanted them to adjusted unnecessary pulled out money and refund wrongly made payment of rent. 

They blocked my online account access. 

There is no customer service telephone is answered, only getting the message " ALL AGENTS ARE BUSY '' and phone hang-up. 

Wanted to file complainant through corporate website, but getting this message " We 're sorry, the page you requested was n't found '' When visited online chat services I am getting this message " your request has been forwarded and you will be assisted in a few moments ''. Moments they mean over one and half hours. 

CFPB is humbly requested to intervene and help me to close my account and asked BBVA to issue clearnce letter once matter is resolve.
I deposited 3 US Postal Money Orders on XX/XX/2018. Bank of America onXX/XX/2018 proceeded to place a debit hold on one of those US Postal Money Orders.
JPL Recovery Solutions keeps calling me at all times of the day as well as contacting people I work with asking about me. I can not get them to stop even after asking them to not contact me anymore.
I disputed several medical accounts with Experian and received a message stating per the FCRA 611 ( a ) ( 3 ) ( A ) they will not process my dispute XXXX. However, I have filed a complaint with XXXX Enforcement process for each of these creditors and, I have proof of insurance that I can not add to the dispute.
I have a credit inquiry on my credit report that I have never applied for anything with XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific
US Bank was the title holder on my car, which was included in my bankruptcy in XX/XX/XXXX. The bankruptcy was successfully discharged in XX/XX/XXXX. I received notification from my attorney in XX/XX/XXXX that there would be a final hearing on XX/XX/XXXX to complete the bankruptcy. I was called by the attorney 's assistant and told that it was complete. They would send me paperwork and fax a copy to US Bank to release the title. 
I called US Bank starting in XX/XX/XXXX asking about the title. I was told they did not get any paperwork from the attorney 's office. I waited 30 days then called again. I was told it was in " processing ''. that it would be 7-10 business days before I received it. 
Same story every month. XX/XX/XXXX I called again. Different person. Said she would send the request to the processing people. I called back XX/XX/XXXX. The processing people said they did not receive that request ; call back in a week. I did. I was told at that time that the title lien was released to the county where I lived before I moved to XXXX XXXX TX. on XX/XX/XXXX. I called XXXX XXXX County and they said they had received it and I could apply for it over the phone with them that day. I finally got the title 10 days later. I am appalled that the US Bank personnel could not look in their records after one of my phone calls and tell me that the title had been released. And why to the County? Why not to me?

Their business practices leave a lot to be desired, and their phone message that the call may be recorded for training purposes is a hoot! Who are they training? Certainly not the people who call themselves customer service representatives!
This company XXXX XXXX XXXX just showed up on my credit and I have requested it be removed from all 3 credit reports and it has not been. I have and have had an arrangement with the department of education directly, they themselves said they don't know who this company is or why they are showing on my credit report. It's been removed from XXXX but not XXXX   or XXXX I've requested it be removed because the college I went to went into bankruptcy and I was told since I didn't have a legal arrangement with them they can not try to collect from me nor 1should they be showing on my reports, not to mention I've already BEEN on an arrangement and paying for them with department of education. I am trying to buy a house and right now this is the only thing preventing me from doing so, please help ...