WillisBack/dataset-financial-user-claim huggingface dataset:
I called Bank of America credit card co. to take charges off of my statements, which I returned the merchandise back to Certified Fulfillment XXXX, XXXX/XXXX/XXXX, tracking # XXXX XXXX XXXX XXXX XXXX, and Certified Fulfillment received it XXXX/XXXX/XXXX, the free trial of XXXX I ordered which I paid {$4.00} shipping was posted XXXX XXXX/XXXX/XXXX, XXXX " XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} ( which I paid ) I took the XXXXXXXX XXXX couple days and developed a XXXX ) I called that phone # and they said they Do not sell that product so was unable to contact them, so waited and another package from them came XXXX/XXXX/XXXX, With No Phone # to call them, So I repackaged it up with the Free trial in the same package and put there address on it XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX, Then the Next Credit card statement from Bank of America posting Date  XXXX/XXXX/XXXX XXXX XXXX XXXX {$87.00} and posting Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$87.00} tryed calling both phone # 's to resolve the issue, that I returned the XXXX XXXX and they said they Do not sell that product which I originally ordered XXXX XXXX for XXXX pain, I called Bank of America to file a Dispute on the Charges and not to accept anymore charges from them on my credit Card, Now this Month I get another Statement from Bank of America ; posting Date XXXX/XXXX/XXXX Bal ADJ /XXXX XXXX {$87.00} I called XXXX/XXXX/XXXX about this charges again, and talked to several people their, they kept transfering me over to someone else, I told them I want to talk to a supervisor, finally some guy got on the phone and said they cant do nothing about the charges thats between me the company Certifed Fulfilment to get it straightened out since I returned the product back to Certified Fulfilment. 
So XXXX/XXXX/XXXX I call Certified Fulfilment and told them, what Bank of America told me, and he said, That its Bank of America that should straighten it out for me and Hung up, ( Certified Fulfilment has bad reviews on the BBB, which I did not know and found their correct Phone # XXXX XXXX XXXX XXXX ) Can you advise me what I can do to get Bank of America to take the charges off of my credit Card statement,?? 
I am XXXX years old and calling these places and sitting on the phone for transfering to different people is very frustrating, and after all this sitting on phone, nothing gets accomplished,
i was contacted by national credit systems inc they informed me they were collecting a debt on a defaulted apartment lease XXXX. i informed them i have lived XXXX all my life and then filed a police report and mailed it to them via certified mail. They keep sending me bills demanding that i pay them {$3200.00}
They are claiming I owe money for a ticket on a car and license plates I have never owned. They are contacting me by postal mail. I have called them to stop, they are rude, laugh at me, and continue to insist I pay them. 

They are threatening judgment liens against me and to have my driver 's license suspended.
RE : CFPB XXXX XXXX : XXXX. 
Account name : XXXX XXXX, XXXX. 
Loan Number : XXXX QUESTION # 1 : Was the loan secured by real property? 
QUESTION # 2 : Who was the named insured on the title insurance policy at the time XXXX XXXX, XXXX. were the Servicer? Name of the Lender and the Trustee? 
QUESTION # 3 : Did you send the Notice of Servicing Transfer letter via FIRST CLASS MAIL? 
QUESTION # 4 : Was XXXX XXXX, XXXX. a debt collector or debt collection agency at the time it represented itself as a Servicer? 

Kindly provide an explanation as to why XXXX XXXX, XXXX. reported the account delinquent and state whether it was a principal party of the consumer credit transaction of a line of credit account.
XXXX was listed as a creditor on my credit report and XXXX sold the account to XXXX XXXX. I disputed XXXX XXXX and in less than 30 days this account was picked up by Source Receivables Management. <P/>XXXX contacted XXXX and XXXX on my behalf and removed the account from my report. <P/>I DO NOT believe that XXXX had adequate time to resell this account to Source Receivables who claim that they received this account from XXXX. <P/>I am requesting that the new creditor submit to me validation to prove that XXXX has sold the account and they have not received this account through XXXX XXXX or XXXX. <P/>I request names and address of all to whom they contacted as well as date and time. <P/>I will be following up on this correspondence directly. <P/>The certified RR letter with tracking number was sent on XX/XX/2017 XXXX
In XXXX, I bought a house and was financed through XXXX who sold my mortgage to XXXX XXXX XXXX, who then sold it to Greentree Service which became Ditech. There have been issues with Greentree and Ditech all along the way, with fees and harrasing phone calls, but the kicker was that I started to get a refinance in XXXX XXXX. From then until now, it has been one list of confusion and run around. No one in this company gives you the same answer and money seems to go missing. I first was told that I owed late fees but they couldnt tell me how much or for what or why I had money listed in an account marked " other funds '' but that wasnt late fees paid. Then they did a research on my account and magically made things add up after weeks and weeks. They lost my payment miss applied my XXXX mortgage with my XXXX and than held up a few more weeks. XXXX seperate checks with XXXX seperate accts numbers. Then finally the refinance department calls me and say they called my home owners insurance company and found out that my policy was cancelled a year before in XXXX XXXX because of non payment. Although it has always been part of my escrow. But when I call customer service they tell me no maam you are insured. They give me the policy number, the due date, the amount due etc. So for the past week its been chasing my tail to get straight answers. Where is my missing money? Why wasnt my policy paid. Where is a check they tell me they refunded me. Why dont they realize that if they have an extra {$1100.00} in the acct they may need to figure something out! I now have been dropped from my insurance company who wont take me back because of the lapse. I had to get a terrible policy just to get coverage. My out of pocket XXXX forbid something happen is {$2500.00} its a nightmare. So now that I ask where my money is now tax payments show that they have been issued to the county and XXXX to the city ( although I dont pay a city tax ). Both for the same amount. My township says they havent received a payment since the XXXX quarter. I think my money is being stolen or pocketed. I need help.
Online Third Federal Savings & Loan qualified me to submit a pre-approved mortgage loan with my low credit score under XXXX. I completed to online application and was contacted by their loan officer on XX/XX/XXXX for me to submit via fax a benefit of income verification letter from social security XXXX. On the same day I received in the mail a Statement of Credit Denial, Termination, of Change letter because my credit does not meet Product Guidelines.
To whom it may concern : This is to let you know that EXPERIAN has re-inserted a previously DELETED record into my credit report. I have a daily credit monitoring service and I discovered this illegal re-insertion in XX/XX/XXXX. The record is by " XXXX '' - a debt collection company trying to illegally collect on a {$6400.00} debt ( that is beyond the statute of limitations in XXXX & XXXX ). I have never acknowledged this debt. The original creditor is XXXX XXXX. The first date of delinquency on the XXXX account is PRIOR to XX/XX/XXXX. The XXXX XXXX. account appeared on my credit report for 7+ years after the date of first delinquency and was deleted as mandated by FCRA regulations on all my credit reports ( XXXX , XXXX XXXX Experian ). However, XXXX XXXX XXXX XXXX XXXX acquired this debt and has posted it on my credit report with an open date ( status date ) of XX/XX/XXXX. They are attempting to re-age the debt, and such make a case to have it in my credit report. This is ILLEGAL. 
EXPERIAN should IMMEDIATELY delete this item as it violates Fair Credit Reporting act. 
Furthermore, Experian is required to notify me within FIVE days when a previously deleted record is reinserted in my credit report. Experian has failed to do so. Experian has also failed to validate or verify this record ( and associated XXXX XXXX. record ). As a result, Experian should immediately delete this record. I have notified the State Attorney General of Pennsylvania, and if this is not handled immediately, I will initiate a lawsuit against Experian for FCRA violation and character defamation.
Loan not in my name, grand deed done XX/XX/XXXX and have power of attorney dated XX/XX/XXXX, know loan not in my name but power of attorney is exclusive for the loan, modification etc. faxed paperwork XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX was all complete, have a rep but rarely calls back, always loosing paperwork etc. Called XX/XX/XXXX was on hold for over an hour, per california law loan was never reviewed for modification, rep was on vacation, transferred to 6 different departments, finally loss mitigation rep said would have a manager call me back the XX/XX/XXXX or XX/XX/XXXX, NO CALL! Paperwork was in before sale date, have proof of everything and yet to have a return call WITH MESSAGE LEFT! My cousin has been faxing, calling, faxing, yet no one responds back!
In XXXX, I reapplied for my income driven payment plan for my federal loan with Navient. At that time, it was determined that I was eligible to pay a lower monthly payment. In XXXX, the rate reduction program on my private loan expired. In order to reapply, I had to give Navient a new financial statement. My income and expenses had not significantly changed from the previous year. So my expectation was that I would continue to pay my lowered rate of 3.5 % and pay $ XXXX monthly. Instead, they told me that I can afford to pay more money and increased my rate to 6.5 % and my payment to {$480.00} a month. As they were explaining how they came to this conclusion, they informed me that they werent taking certain expenses into consideration from my financial statement ( credit card payments, federal loan payments from a different lender etc. ). They also stated that I have {$600.00} left over after paying my other monthly expenses and that I should be able to use to pay them $ XXXX  month. However theyre are credit card and federal loan payments that need to be paid on a monthly basis. For example, my federal loan with a different servicer is {$220.00}. Paying both of these two bills alone will put me over my monthly income.
Entered into an agreement with homeward residential in XX/XX/2016 to refinance a mortgage. Complied with every request ( many excessive ) for documents, only to have Homeward continually stall and drag out the process. The end result is that I have spent thousands of dollars to refinance, without any action by Homeward to approve/deny the refinance. The rate lock expired - we were guided to extend at " no cost to us '' but Homeward added another point to the closing costs. The rate lock expired a second time, again Homeward added another point to the closing costs. Homeward 's actions show they never had any intention of following through with this refinance, and provided fraudulent documents to keep me from going with another provided. This amounts to a financial loss of more than {$100000.00} due to Homeward 's fraudulent and deceptive business practices.
Contacted the company on XX/XX/XXXX on 2 different debts one for {$230.00} and one for {$88.00} after contacting them I asked them to verify the debt and the lady said I should have the information where I was treated. I said I need a detail bill of these charges and she said you should have that already. I said may I speak to your supervisor and she placed me on hold and never returned. I called again on XX/XX/XXXX and got the run a around again. So I mailed a letter requesting the same information and the letters were returned back to me. I do n't know what else to do.
My XXXX XXXX XXXX credit card # : XXXX, XXXX XXXX credit card # : XXXX, and XXXX XXXX XXXX XXXX XXXX credit card # : XXXX is lost/stolen, and all the charges/transactions on the accounts are fraudulent and unauthorized.
dispute of response case # XXXX so again i do n't see where my principal only payment of {$50.00} paid on XXXX XXXX was reversed..what date was reversal applied?
On XX/XX/2018, XXXX made an inquiry into my TRANSUNION file without my authorization or knowledge. XXXX has acknowledged that a fraudulent application for credit was submitted using my personal information, they contacted me when they caught that it was fraudulent, and agreed to delete their unauthorized inquiry but have failed/refused to do so.
I made arrangements for credit card payments last year w ith Amex and representatives advised that my credit would not be reported as " negative '' as long as I kept the arrangements. A manager pretended to have listed to the phone calls were I was misleaded and now my credit report shows 120+ late payments which could have been avoided if Amex had provided correct information to me and reported the payments as agreed. Amex reported late payments to credit bureaus when I was making payments under their payment plans. Amex denie d removing false data.
On XXXX XXXX, XXXX, I was approved for auto financing through XXXX XXXX XXXX. On XXXX XXXX, XXXX, a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX XXXX was the financing company. 

On or about XXXX XXXX, XXXX, I was informed by XXXX XXXX XXXX that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX Bank and the contract was signed on XXXX XXXX, XXXX. 

Please review attached
I am a   XXXX   XXXX   XXXX    XXXX  Veteran. In   XXXX   I was taken to a hospital via  XXXX . Total bill : {$1400.00}. For whatever reasons the  Veterans Administration refused to pay the bill. Every few months I receiv e a new bill with threats of contacting my employer ( I 'm not employed/Unable to work ) and/or garnish wages. Under federal law they can not garnish VA Compensation. By reporting my bill to the credit bureau every few months the statue of limitations starts over. I have been told that they can do this to me for the rest of my life. So, for the rest of my life I will have this bad mark on my credit report. And, for the rest of my life each and every year they report it as delinquent the account is considered a new collections and the Texas State statue of limitations starts over. I have filed a complaint with the Texas Attorney General 's Office and I 've have contacted Texas Veteran 's Lega l Advisor a nd am currently seeking additional advice from the  XXXX   American Veterans Association of America.
Hello, Well, I 've been hoping HARP3 will pass, but that wo n't happen. We 've called Wells Fargo & XXXX ( owns our mortgage loan ) and we keep getting the run around. Wells Fargo says to call XXXX, XXXX says they ca n't help us. Our loan is n't with XXXX or XXXX, my husband and I have great credit and we 've paid on time - our house is worth less than what we paid for in 2005. 
After all this time, we still ca n't refinance!
In XXXX I placed an online order with the company XXXX XXXX XXXX XXXX using my American Express Credit Card. This order was " supposedly '' delivered to me by merchant. When contacted XXXX to dispute transaction they never respond. Only once was I contacted about this on an email that stated the situation was being escalated, never heard from them again. My credit card company received the dispute on the charge directly by me, and after a month they now decided to side with this merchant and their excuse stating the goods were delivered to me even though, me nor anyone in my household ever sign and acknowledged the arrival or delivery of purchase. There is a man office located at the main entrance of my apartment complex, my apartment complex is also a gated community. If the delivery driver saw the opportunity to skip the main office were this packages should be delivered to, and thought was easier to just enter with no code or authorization to my property was the wrong call. Left a package stranded on some random door, cant even confirm it was my apartment and now don't want to refund my money or at least offer to send merchandise I paid for. I already provided the main office contact info to both the credit company and the merchant to confirm procedure for package deliveries and to prove neither I or management received this goods still no resolution. I don't have my money, no one seems to care about it, at the end of the day is just {$200.00} for them ... pocket change for these corporations run by billionaires whom don't care about us the nave population.
I have repeatedly asked XXXX of Fidelity Creditor services to disclose how much I owe with a physical ledger for my records. She said it 's company policy to not do so until the debt is paid off. 

Yes there is a judgement issued against me, but to demand I pay {$150.00} a month, which I agreed to because she said she would garnish my wages if I did not. How can I pay something that I do n't have? They are unreasonable and I want a legal mediator to establish a comfortable payment for me. 

I work a temporary job and {$150.00} a month is too high. I fell out of the agreement with Fidelity when I was paying $ 50 monthly. XXXX also said that I must schedule autopay. Is that legal? I should n't have to give anyone the right to debit my card on a recurring basis judgement or not. I should be able to pay in the modality I choose to a reasonable amount. My student loans are income based. Should n't my repayment of debt be? 

I do not wish to be contacted at all by Fidelity via telephone, they are no longer allowed to. I was never allowed to challenge the debt whatsoever.
USAA was given notice requesting the following : I was represented by counsel ; and All communications regarding this debt were to be directed to my attorney ; and Debt was not to be discharged or sold during verification and settlement process ; and To have a representative, having actual authority to settle, change, amend, etc. this account, call my attorney ; and Send verification of the debt to the address on the account. 

USAA has sold the debt prior to verification, not contacted my attorney, not verified the debt, and had a third party collection company call my husband 's phone looking for me in an attempt to collect this debt.
On XX/XX/2018 I received a letter from BB & T bank notifying me of a {$20.00} redeposited check that was returned for nonsufficient funds. It was noted that there was NSF/OD fees that were incurred as a result of this chargeback. I immediately called BB & T centralized operations at XXXX. They informed me that my account was assessed {$36.00} as a result of the returned check causing an overdraft. I asked to have the fee reversed, and they agreed. They informed me that I would have to take care of this at the local branch, located at XXXX XXXX XXXX, XXXX PA XXXX. The manager graciously agreed to help, however, in the meantime, the banking system updated and charged an additional fee of {$8.00} for a negative balance for over 7 days. When she tried to correct the charges, it started by reversing the {$8.00} fee that should have been assessed and prevented her from reversing the overdraft fee of {$36.00}. The system, at her level, blocked her from reversing the fees. She notified me, as per company policy, the system would only allow one complimentary reversal per 24 months. The 7 day negative balance fee should not have been assessed due to the fact that it was only day 6. She instructed me to call XXXX. They told me their system would not allow for this correction and refused to correct or escalate the matter.
I had filed a claim with Wells Fargo Bank about a mysterious {$2300.00} that was debited out of my account on XXXX/XXXX/2015. They closed my claim and never gave me back my money. On XXXX/XXXX/2015, I went in to get a cashier 's check for an entertainment lawyer retainer to start a record label. The check was for {$2500.00}. I got this because I did n't feel safe walking through downtown XXXX with that much cash. I DID NOT withdraw {$2300.00} two minutes later according to my bank statement. I DID NOT want to carry that much cash around with me and filed my claim 28 days later when it was discovered on XXXX/XXXX/2015. On XXXX/XXXX/2015 I received a letter from Wells Fargo stating that my claim was closed. I still have not started my record label over a year later because the money that Wells Fargo took and never gave back, was supposed to be for filing my " XXXX '' XXXX.
THE ORIGINAL LOAN AMOUNT WAS FOR XXXX. I HAVE PAID THEM OVER 13,000 AND I STILL HAVE A BALANCE OF OVER 12,000. THE INTEREST RATE IS ONLY 11 %. THEY ARE PUTTING VERY LITTLE MONEY TOWARDS PRINCIPAL AND I WANT TO KNOW WHY!!!
I recently got a new card from XXXX but i been had an account with them, i didnt know that they changed my account number also. So i open a credit card with capital one, i paid my bill with my bank card but i use the account number that i had on on file when i first opened my XXXX, i didnt know XXXX  tgave me a new account number they never notified me. So i used the account number to pay my capital one credit card bill and disnt notice till after it wasnt going through so i called XXXX and asked them whats going on and they told me they gave me a new account number so now I finally found out i got a new account number i used it for my capital one credit card bill, it went through to only found out they close my account without warning me and telling me the payment wasnt going through i begged and cried for them to open it back up because i really need it i pay my rent with my credit card but they did not care
Your submission, [ Case number : XXXX ] I am very disappointed with Wells Fargo 's response, lack of interest, in my complaint that I was a victim of Bait and Switch tactics by Wells Fargo when I went to them 7 years ago when I need a second loan on my house to pay off existing debt and replace my roof! What is my next step in filing a complaint against them? XXXX XXXX.
I have contacted your company before with a complaint about AES. The last they spoke to me they informed me that they would send out papers that i could fill out for XXXX in a hope that my loans would get forgiven as i can not work. They have done nothing at all. I then tried to contact highcliff trust who owns the debt. They seem to not even exist! I can not find any information on them and AES gave me a phone number that was not even real. THEY ARE CROOKED AND NEED TO BE SHUT DOWN BUT NO ONE DOES ANYTHING!!!!!!! My next step is to contact eh attorney general of my state and speak to a lawyer as talking to aes myself has gotten no where.
XXXX XXXX XXXX XXXX tax lien which was paid in XX/XX/2013, in the amount of {$1900.00}. The lien was released and removed from my XXXX and XXXX, but still remains on my TransUnion. If removed from two credit reports, it is or should be removed from TransUnion.
Had a truck loan from HSBC. Kept track of the balance every month trying to pay it off. Loan gets sold to XXXX XXXX and balance is overnight more than {$2000.00} higher. Called HSBC to get balance they sold to XXXX and they refuse to cooperate. I paid the loan off but I still do n't consider this settled. Also never got a lien release from XXXX so I cant register truck in my name only.