WillisBack/dataset-financial-user-claim huggingface dataset:
I switched from a bank to a credit union in XXXX. I was planning on making two payments in XXXX for the XXXX payment. When I did so, one payment had gone through ( via the credit union ), but the additional one had not ( via the bank ). The additional one got returned. 
I called in XXXX, got the payment reversed, and was told that my account was set up properly with only my credit union on it. 
In XXXX, I called again as the payment got returned for the closed account. I had been told that they would let me pay over the phone, and assured me that the bank account was no longer attached to the account. 
In XXXX, I had the SAME issue. They said they removed XXXX " behind the scenes '', and I would no longer have this issue. I paid over the phone as they said that it would take a couple of weeks for me to be able to pay online through their site. 
It is now XXXX. Both of my autopayments have gone through without issue, nothing when I login to my credit card account shows that I have any issues. I tried to use my cards at stores, but they were declined. I made a call today to find out why. ( Want to reiterate that I called them, I did n't wait for them to call me. ) I was on the phone with a rude, condescending woman. She kept telling me that it was my fault it had come to her attention. She told me that it was her job to ask me hard questions like why I did n't pay. I was more than willing to give her that information because I want to know when I can stop having to call each month! After about 30 minutes on the phone with her, she put me on hold for about 10 minutes to consult with a co-worker as she was also not able to figure out why my account was closed. 
She came back on the line, and said it was because of the payment not being resolved in XXXX. I asked her why this was not resolved as I had called the past 4 months. Also, what can I do to get it resolved. She stated that they could pull my credit, there would be a hit against my credit, and that I would probably not be able to get it opened again since they already had closed it, but she could try. Again, she blamed me multiple times. I get that things had escalated to the point that it had become my fault, but I was n't looking to blame them, and I sure did n't need to be blamed for something that I was trying to get resolved! 
She interrupted me multiple times, talked to me slowly like I was an invalid, and told me multiple times that she had " figured it out '', but not actually how to remedy the situation. 
I have been in a customer service role, and I know that there can be very trying people. I know that with credit card companies, there are people calling in to try to pass the buck or get away with something. I just wanted straight forward answers. I asked how I could escalate this, and she said ( again ) that she could run my credit, or I could talk to her supervisor. After being on the phone with her for close to an hour, having been my 4th call in so many months, I have decided just to close my account that I have had for the past 22 years.
I received a collection letter from XXXX XXXX, XXXX Attorneys at Law attempting to collect on Loan Number XXXX with Bank of America, dated XXXX XXXX, XXXX. 

This mortgage debt was discharged in bankruptcy case number XXXX on XXXX XXXX, XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX were both included in the Certificate of Service, Certificate of Mailing and the final order discharging the debt. 

On XXXX XXXX, XXXX, XXXX Filed Case No. XXXX for foreclosure of the loan XXXX. On XXXX XXXX, XXXX, Order XXXX foreclosure was granted. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed case number XXXX to proceed with the XXXX property for foreclosure and a foreclosure sale. Order XXXX was granted on XXXX XXXX, XXXX giving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the right to foreclose and proceed with a foreclosure sale of the property on loan XXXX. 

XX/XX/XXXX with the foreclosure granted and a foreclosure sale looming, I took a job in XXXX and I moved my family. We have not lived in the house since that time. 

Bank of America claims it took over the servicing of the loan from XXXX XXXX XXXX XX/XX/XXXX. I have records showing Bank of America was servicing this same loan under account number XXXX from XX/XX/XXXX through XX/XX/XXXX. When they claim to have started servicing this loan in XX/XX/XXXX, they were reporting it going back to XX/XX/XXXX. In XX/XX/XXXX, they were collecting on this debt and reporting this debt to credit bureaus even though it was discharged in bankruptcy court. On XXXX XXXX, XXXX, after fighting Bank of America for four years and two months, Bank of America finally realized that they were mistaken and were not entitled to collect and report the delinquency on this loan. 

In XX/XX/XXXX and XX/XX/XXXX, I attempted a short sale contracts with Bank of America which they declined both offers on the house. 

On XXXX XXXX, XXXX, the City of XXXX filed a lien against the property because they had to hire a company to mow the grass. 

XX/XX/XXXX, I had also attempted to do a Deed In Lieu of Foreclosure which stalled when Bank of America 's title company could not locate the title of the original mortgage I had on the house. 

On XXXX XXXX, XXXX, Bank of America started changing Assignments of this mortgage from XXXX, From XXXX XXXX XXXX to XXXX, XXXX and XXXX from XXXX, XXXX to XXXX XXXX. I 'm not sure but I do have an Idea of who owns the loan now. 


On XXXX XXXX, XXXX, Bank of America sends a Notice of Acceleration requiring {$190000.00} incurred post-bankruptcy from XXXX XXXX through XXXX XXXX. 

On XXXX XXXX, XXXX, I receive the letter of Collection from XXXX XXXX - XXXX, XXXX claiming that neither Bank of America nor they have any knowledge of the bankruptcy, which is pathetic on both Bank of America and the Attorney 's office.
Chase Bank, as a matter of practice, backdates their checks to the previous day resulting -- in many more NSF fees to low and middle class account holders that live paycheck to paycheck. Chase has done this about 4 times in the last year to our family. Each time they backed off and reversed the fees, but not after I had to call and then get elevated to a supervisor. The latest incident happened last night. My account balance as of XXXX on XXXX/XXXX/16 was {$28.00}. My wife had a payroll deposit today on XX/XX/XXXX in the amount of {$440.00}. All should be good then, but not with Chase. They took a check for {$120.00} and backdated to XX/XX/XXXX. They covered the check, but charged me another {$34.00} in " NSF FEES ''. This is flat out wrong and many more households are paying the price of bank greed and policies designed to hurt the lower/middle class. Why did n't Chase bounce the check as there was only {$28.00} in the account? I 'm disappointed that these big banks are still targeting the lower/middle class with fees. I 'm asking your agency to stop the practice of 'back-dating '' checks by 1 day as a bank policy. This practice does n't hurt their large depositors in any way, but for the majority of us it does. I would be surprised if " Fee Income '' has n't doubled or tripled in the last 10 years as banks make it a point of many internal discussions on ways to increase revenue and " Fee Income '' is always at the top of the list. Please look into this practice of " BACK-DATING CHECKS ''. I would like the {$34.00} fee credited back to my account. People are hurting and the last thing we need is a practice like this.
Hunter warfield has been calling me for two years straight over 10 times per day in regards to collecting a debt that does n't belong to me. I 've spoken with them about this yet and still they call.
A collection agency has a false statement on my file about a returned check. I called this company and they told me they did not have the check. I called my bank they told me they did n't have it and called the company the check and they told me they had no record of it.
Our friends gave us a gift card which was used by somebody which later we realized charged by  XXXX   XXXX   XXXX . Both happened on the same day of the month.  XXXX  of  XXXX  and  XXXX  of  XXXX . We realized last month and opened a case with company. Then we went to oversees for a vacation and I came back yesterday. I found that the response letter I got from  Blackhawk  company was frustrating. They are asking original receipt and activation code of the gift card. As it can be inferred from the name it is a gift card and I did not buy this so I will never be able to send these information. I sent them the picture of gift card.  <P/> The gift card name is  GIFT CARD , from blackhawk network.  <P/> Since my gift card has been deactivated I can not call their customer service. They have this weird rule. As soon as you dial your card number it says it was deactivated and no way I can reach customer representative.  <P/> They also stated that I had to respond them in 10 business day but I might have already missed it due to my oversees travels.
I have a problem with the way the credit bureau agencies calculated my credit report. Specifically I pay a monthly fee to keep track of my credit report with www.freecredit report.com which is related to Experian. I used to have an overall credit score of XXXX since XX/XX/XXXX ( above XXXX since XX/XX/XXXX ) I used to have a car loan for a car leasing that was set to expire on XX/XX/XXXX. The last installment was paid off on XX/XX/XXXX. Before the term of the expiration on XX/XX/XXXX, I got another car, leased with the same company. The problem was that last week on XX/XX/XXXX my credit score went down to XXXX ( 40 points less ) I called Experian and they explained that since I had paid off the leasing, the formula they use penalized me because I seem like a higher risk since I have not an auto/home installment loan in my report. I explained that In fact I ''traded ' my old car for a new one and that there is in fact a car loan in place. Since it was not in their system I had to call the car agency and after some research they apologized and said that for some reason the new leasing was not reported to the credit bureaus. They reported it and on Monday XX/XX/XXXX it showed up on my report with a bump of 5 points to XXXX. I called again on XX/XX/XXXX to Experian complaining that why would I be penalized 35 points in total since the only thing that happened was that I traded one car for another and that in fact basically the same amount of monthly payments was due. Again they said that there is nothing they could do, that I had to wait 24 months for my score to get back to where it was. They suggested that I call XXXX which is the national foundation for credit counseling. I called the XXXX and explained the problem. A counselor suggested that the only thing he could think off was to call the CFBP. I did and the person suggested that I could always file a complaint online. I decided that I was wrongfully drastically penalized in my credit score for no logical reason. The calculated credit score is harmful to me specifically since I may be requiring a home mortgage loan soon. So in the end I am filling this complaint in order to correct this unfair credit calculation.
I pulled my XXXX consumer ( Property Loss ) report by contacting Verisk. The report contains information on a Homeowner 's policy listed in my name and I DO NOT own any Real Property of any kind. Publishing a property loss claim on a homeowners policy in my name is a fraud and any insurance company uses this as an excuse to inflate insurance premiums as additional risk. 

I wrote Verisk on XX/XX/2018 and again on XX/XX/2018 to request documentary evidence of an insurance policy bearing my name and signature associated with the reported insurance loss. Verisk simply states the loss is verified by telephone and has referred me to XXXX 's XXXX to request information from their data furnisher. 

My dispute letters are very clear that I requested a copy of the insurance papers bearing my name and signature ( as required of the FCRA ). I do not believe there was any investigation because XXXX XXXX XXXX, XXXX 's, and Verisk has sent me nothing of any merit to verify any homeowner 's policy and/or a loss bearing my name. 

I received two identical letters and a print copy from their database ( pages attached ) This property loss needs to be deleted from my property loss report because there is no verification, it is inaccurate and/or incomplete. XXXX dba Verisk must verify and validate this information as accurate or delete this record as it is damaging my character in the financial industry.
I am completing this because I could not add to my existing complaint XXXX. 

1. I never received the written response from One Main that was sent to your agency. 

2. I did close a new loan combining the XXXX loans on XX/XX/2016. The interest rate is as it should have been all along. 
I was given a check for XXXX. I was told that I would receive a separate check reimbursing me for all the interest I was charged and not as promised. After closing the loan I have not been contacted. I have received only correspondence on changes to loans. 

3. I believe that interest should have been deducted and that amount should have been financed. 

4. What are their intentions regarding the interest. 

5. I spoke to XXXX in Customer XXXX for One Main. She is the person who contacted me and facilitated the offers. She and the branch manager told me I would get a separate check for the interest in question. XXXX also mentioned I would get something for my treatment and duress. When I called her later she told me she was leaving and the only thing I would get is the interest payment. The branch manager stated that it would take time to calculate what was to be given back to me. I believe his name is XXXX. 

I have a document that I would like the CFPB include in my complaint. I would like fax to send in. I can not seem to attach to this document.
My payments keep showing as late payments. When they have been on time and effecting my credit score negatively as to close to 100 points..
This debt is so old it is way past the statute of limitations. I have not had a XXXX phone for more than 5 years and ERC is trying to collect on the debt. I have no other records of last payment bu I know it was more than 5 years.
I left the XXXX XXXX XXXX in XXXX of 2016 and joined the XXXX immediately thereafter. I could no longer afford to stay in college. I thought by joining the XXXX that my student loans went into a military deferment. My mailing address has never changed. I have never, ever, once received any written correspondence of any kind from FedLoan telling me my student loans payments were due, and had no idea that they were in default until my security clearance review. 

My credit file is being negatively impacted with past due amounts. 

Nor had I ever been advised of income driven repayment plans.
I am receiving threatening and harassing telephone calls of XXXX threats from representatives from Cash Central. I am a victim of identity theft and my personal information was used and compromised by someone else, who applied for a payday loan from Cash Central. I have never applied for a payday loan from Cash Central.
XXXX does not update their information, things for 7 years ago that has been paid off is still on my report. I have been having issues gaining employment because of credit report issues.
i attended XXXX in XXXX XXXX, ca. i had to take out a loan with genesis it was the only loan i could get to so call better my career path. they did n't tell me that i had to pay the loan in school until after i started, they did n't tell me that when i got out of school the about to pay its would be so high that i could n't afford to pay it. i see that XXXX is getting sued already for their actions and lies. i could n't complete the school because of a teacher that screwed me over and threatened me, which the other staff did nothing about. i cant get an income based repayment plan from genesis and they are hard to talk to and deal with because their customer service XXXX and they barely speak XXXX i would like to get my loan descharged and what i paid into it back. i see that consumer finance is trying to help all the XXXX former students in getting their money back and correcting the wrongful action done by the school. i would like to hopefully get this done soon i cant continue to make the payment. they offer a payment reduction for six months im on the last XXXX that i can due and they failed to put me on it at the right time that i called them and asked for it to be done. i got a ding on my credit for it and have yet to call them to get that fixed. i will be contacting sallie mae to get my loan discharged from them they are easier to deal with but would like some kind of help with genesis in getting my loan discharged and money back quicker then waiting for the lawsuits to go threw and all the student get their money back. if anything i would like it just discharged and i can wait for the lawsuit to take place and get the reimbursement then, also they didnt give me any relief from the relief from the Consumer Financial Protection Bureau ( CFPB ) and the XXXX that announced more than {$480.00} XXXX in forgiveness for borrowers who took out XXXX XXXX XXXX high-cost private student loans. I recieved nothing from that.
I am having several issues with both TransUnion and XXXX. I 'll detail my concerns for both in XXXX separate complaints. My biggest concern is with TransUnion. First, and most importantly, TransUnion has inaccurate information on my credit report. I have a creditor that was discharged under chapter XXXX bankruptcy that still shows repeatedly under " open collections ''. Not only is this creditor listed under open collections when it should n't be, but the same debt from them shows multiple times, under multiple lines, insinuating there was more debt owed to them than there actually was. These appear as derogatory marks on my credit report. My second concern is that my attempts to resolve this with them has been unsuccessful. For four years now I have been unable to login, create an account, view my annual free report, file a dispute, etc. I am totally and completely unable to do absolutely anything with TransUnion. I have attempted to file a dispute both online through their secure website, and over the phone with a representative, and have been unable to do either. Every year when I login through the annual credit report website, I 'm only ever able to view and save my Equifax report. I receive varying error messages from TransUnion, ranging from " we ca n't process your request at this time '', to " the information provided does n't match our records '' to " We are experiencing technical difficulties and can not process your request at this time '', etc. This happens every single year and it 's been atleast 4 years since I 've been able to access this information from TransUnion. Last year their site said I had already accessed my free report, and that was n't true. I attempted to resolve that issue last year and they absolutely refused to help me, despite my repeated attempts. It got to the point where I gave up. I want to have this creditor removed from the open collections section of my credit report. I also want my rights to my free report restored, and I want them to have their IT department figure out why I ca n't create an account. I also want the XXXX XXXX XXXX hard inquiry removed from my report as I did not authorize this inquiry. If I were able to actually complete a dispute with them I would notate this on the dispute myself. I feel my rights are being taken away by this company and I 've been trying for years to resolve it to no avail. I need to be able to dispute any inaccurate information that is negativity effecting my credit score. This company seems to have no sympathy for my situation, and TransUnion has been downright combative in resolving it. I 've already disputed this particular creditor with XXXX, as they actually make it easy and I 've never had any issues with them. Please help!
I have never borrowed or done any business with XXXX XXXX XXXX. They have reported a collection account which is revolving amount XXXX.
The collection with Waypoint Resource Group was paid directly to XXXX XXXX on XX/XX/18. attached you will find a copy of my receipt. Since I paid the creditor directly, the collection company does not have a valid collection. I have asked them to remove the collection from my report and they have only updated the report to a {$0.00} balance. They can not simply just update a balance on an account that they are not collecting on anymore. They need to remove the account.
I sent Nationwide Southeast a Fraud Affidavit on XX/XX/2016. As of date, they are still reporting information that do not belong to me on my XXXX and XXXX. I have also sent this same Fraud Affidavit to XXXX and XXXX and they have not removed this account from my credit file.
XXXX department mistakenly filed a tax lien against me. I contacted them and they sent me a letter to send to XXXX, XXXX and Transunion credit bureaus telling them it was okay to delete the entry. XXXX deleted the entry about the tax lien, XXXX has not, saying its a legitimate debt.
was issued a check via mail, to deposit into account for a sale made through internet- the check cleared - on request have a XXXX made for amount of fee to be sent to XXXX party. - on doing so ( XXXX XXXX Me ), the purchasing party pulled/ declined payment on their check - taking from my account amount paid out on money gram.
I have a macys card which was switched over to XXXX and the XXXX folks confirmed that I did n't receive a statement or notification that a balance was due. While they are reversing the late charges and updating the credit agencies, my credit limits were reduced ( on a citibank card which I learned from trying to balance transfer funds ) which will cause me to incur finance charges that I would otherwise not have to incur. While I am not asking for anything I think it would be beneficial for XXXX and Macy 's to communicate to cardholders when there are charges due on an account. I specifically asked if an email notification or other notification was sent via billpay and they said " No, we apologize and will reverse the late fees and update the XXXX '' While this is a basically 'acceptable ' response it caused me to spend time and effort on something that should not happen. Ideally I want XXXX XXXX dollars so I can retire and educate people on this but I know that 's not realistic!
yes i contacted the XXXX about capital one bank about i cant afford my high card payment every month.cant make the full payment each month???? have not heard anything back from capital one bank on credit card.my paymeny XXXX a month.im XXXX years old XXXX.
credit collection is attempting to collect a debt that has been placed and discharged in  XXXX   XXXX  I have tried to dispute this matter a  million  times, and they refuse to cease reporting. They are in violation of the FCRA and I talked with a collection attorney about pressing charges. I will NOT pay for something that was already  discharged  in the bankruptcy, and this account has also been re-aged which is another offense. I have uploaded information where their are  XXXX  collection agencies reporting to my account at the same time, and out of the same city and state for the same debt. I am currently attempting to see if credit collection services and credit control services are the same business.
WELLS FARGO defrauded me the case. was filed in the United States District Court XXXX District of XXXX XXXX v. WELLS FARGO & Co.Case number XXXX XXXX. They reported damaging credit from XXXX XXXX on customers like me. They charged me fraudulent settlement fees refused to apply payments when I did not pay settlement and reported late payments and still were until recently. They have not owned my loan sinceXX/XX/XXXX.I want them removed from my credit report they have harmed me enough. They refused to Allow me to modify my mortgage.when they sold.me to XXXX XXXX services. XXXX XXXX  agreed to let me modify my loan and WELLS FARGO forced my mortgage to foreclosure I had to file for bankruptcy because they would not let me modify