WillisBack/dataset-financial-user-claim huggingface dataset:
this is an addition to complaint # 's XXXX & XXXX against Bank of the West in relation to my vehicle lease initiated XXXX and paid off XXXX. In my complaint XXXX I asked BOW to supply me a full accounting of my lease with them. They sent me a " Transaction History '' that shows no beginning balance, no running balance, and no ending balance. While further reviewing the " History '' I noticed that XXXX of my XXXX payments that I made to BOW in XXXX XXXX are not reflected on the History. 

On XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX I made a phone payment with a person at BOW in the amount of XXXX. Confirmation # XXXX. 

On XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX I made a XXXX XXXX  by phone in the amount of XXXX}. Confirmation # XXXX. 

On XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX I made a XXXX XXXX  by phone in the amount of {XXXX}. Confirmation # XXXX. 

The payments on XXXX & XXXX/XXXX/XXXX totaling XXXX  are not showing on the History. 

I demand immediate repayment of those funds to me as this lease has been paid in full based on the payoff package BOW sent to my financial institution. A payoff amount that obviously does n't include the XXXX  payment I made. 

This is really getting ridiculous. I have never in my life had a bank lose so much money is so short a period as BOW has. Imagine these losses in less than XXXX  months extrapolated across a full XXXX month lease. 

I am attaching BOW 's History and my bank statement showing all XXXX payments were paid by my financial institution well before the payoff amount was given to my financial institution in late XXXX XXXX. I feel this XXXX was not reflected in the payoff and the funds should be returned to me. 

I have contacted BOW twice about this and they just keep putting me off. I will not just give up on my XXXX
Last month I paid my dad 's XXXX TV bill over the phone with my debit card. My dad was low on cash and payment was due. Well XXXX charged his payment again ( this month ) without my authorization on XXXX XXXX. My father called to tell them the contract was in his name and they should use HIS debit card and they told him to call back the next day which was XXXX because the charge was still " pending ''. When he called back, they said tha there was nothing they could do. I tried to dispute it thru Chase Bank, telling them that I did n't authorize the 2nd charge or recurring charges. Chase wo n't do a XXXX thing. I am concerned that XXXX will charge NEXT month 's payment and Chase still wo n't do anything to stop future auto-payments. I 'm left with claiming my debit card as lost/stolen and now hate my bank.
Citi XXXX XXXX XXXX did not record automated payment sent electronically from my bank checking account to the card company. Credit card company sent me an email past due notice, denied an automated bill pay from another company and placed a hold on charges. Calling customer service results in long hold times, disconnects and an unsatisfactory results. My bank records indicate the payment was sent and received. The card company will now bump my low rate to the default rate as well as charging a late fee.
I feel as though I am being taking advantage of for having a good credit score and making on time payments. Since entering repayment, with a payment amount twice the amount I was quoted, they have raised my interest rate 3 times. The latest is raised to 11 %. Thus after calculating my payments I will probably never pay this loan off. They are making it impossible to pay back my debt. I find myself considering default because I would benefit more from trying to lump sum buy out a settlement than ever be able to pay off this loan. If the interest rate isn't ever capped or at a fixed rate I will not be able to pay this loan off. I feel as though this is a trap to create a deeper hole of debt for students/consumers.
I have been trying to get a loan modification for months and the bank never attempted to give me a modification.
I have insisted that this account belonged to my mom. And I never signed any agreement to add me as a co-signer I keep requesting copy of the note or loan agreement and XXXX XXXX will not answer me. So when I dispute it the credit agency does not even investigate.
My husband and I had a judgment made against us in XX/XX/XXXX. In early XX/XX/XXXX we made a settlement agreement with the collections company. We were able to pay off the account in full in XX/XX/XXXX. We both then received letters confirming our account was " Paid in Full. '' ( see attachments ) In XX/XX/XXXX, my XXXX account showed a new account open in collections for a new amount ( {$1000.00} ) as well as a drop in my credit score. I called the collections company listed and confirmed it was the same collections company representing the original company. They told me to call the original company about the issue. Shortly after the phone call to the collections agency, the reported open collections account disappeared from my credit report but my score was still lowered. In early XX/XX/XXXX the same thing happened. A new amount was listed under an open collections account ( {$1000.00} ) and my credit score dropped again. Same collections agency listed, same original company. It then disappeared again but my credit score remained lowered. This judgment was made in XX/XX/XXXX and we have had no further business with this company. It was settled and closed in XX/XX/XXXX. They have no reason or cause to continually be reporting open accounts on my credit report. I have not been notified in any way of having an account be at risk of being sent to collections. The account is currently still listed under collections and has an " open '' date of XX/XX/XXXX. It is also listed under public records as 'Filed ' but nothing indicating it as closed or paid in full. My husband has had no such issues with his credit report. It seems as if I am being targeted. This is greatly affecting my credit score as it lowers my credit score each time it happens.
I do not know about this debt. Does not show on my credit report. Telephone # provided on notice is only a recording of ads trying to sell me stuff. I want to know what this bill is about.
After over six years of timely payments, Citibank has my credit card in default status and has been billing me at an 29.95 % APR during this period.
Beginning in XX/XX/XXXX, I started receiving letters from Big Picture Loans that I had borrowed {$1000.00} from them in XX/XX/XXXX and that now I owe them {$1900.00} ( Account # XXXX ). At first, I thought the letter was sent in error and ignored it. However, after receiving more letters they believe I owe them this money. I have never heard of this company and never borrowed any money from them and believe that either 1 ) there has been some type of identity theft or 2 ) that Big Picture is engaging in fraud. In reviewing my credit reports there are no hard credit inquiries from Big Picture Loans associated with my name. However, XXXX reported an unsolicited soft credit inquiry on  XX/XX/XXXX by Big Picture. It is for this reason, that I do not trust working with Big Picture with respect to providing them with any confidential personal information, since I believe they may be the source of this fraudulent activity. 

In trying to resolve this issue with BIg Picture they state that their process is to hold a three party call with the bank where the account they have on file is held, in order to verify the account owner and any credits/debits processed in this account. When I called them to initiate the process, they asked for my name and social security number. When I declined to provide my SSN #, they indicated that they could not move forward with the process. The other option I was provided was to fill out Indentity Theft Victim 's Complaint and Affadavit Form, take the form to the Local Police Department, and have it witnessed by a police officer. However, the form asks for confidential personal information, that again I am unwilling to provide, for the reason note above.

I am at an impasse as to how to resolve this issue since I do not trust the source of this claim.
I have disputed these fraudulent charges recently and of the 2, One was removed but they are clearly made in the same store by the same person but only one was used. I am disputing the other charges as well. On XX/XX/16 The amount was {$790.00} with XXXX XXXX
I used my lender 's online site this month to pay our monthly mortgage payment. I noticed that our payment had increased by {$120.00}. The increase was in our escrow. I had to call three times and still I do not have an answer that I understand or feel confident in. The first individual that tried to help me did nothing but babble and I soon discovered that she had no idea what she was telling me. I asked to speak with somebody else and she said, " I will be more than happy to help you with that '' and hung up. I had to call back, and maneuver through the labyrinth that is their automated system, and spoke with another individual who told me this was a mistake with the website and it would be corrected. I checked again later and the payment amount had not changed. I called back and was told that this was not a mistake, but the payment was increased because a check was sent to me in the prior month to cover that increase. I also found out I was sent two escrow refunds to us but I did not get it because the lender did not include my unit number on any correspondence ( which is ludicrous because THEY hold the mortgage to this unit ). The third individual said the increase was an accounting issue, updated my account, and assured me that our money would be resent to us. However, I still do not trust this and I really have little confidence in this lender. We have received no correspondence, phone calls, or emails from this lender regarding any issues with returned mail. In fact, they did not receive our renewed condo master insurance policy, and instead of contacting me by mail, email, or phone, they simply took a huge sum of money out of our escrow and sent me an email AFTER the fact. I was able to correct that issue, and the money was returned to our escrow. But these issues really make me question the competency of this lender and whether our account is really in good hands.
XXXX XXXX is alleging that I owe {$250.00} for a " Previous Balance ''. I have disputed this claim multiple times over the past 3 years but no one will explain to me what the " previous balance '' is from. Focus Management ( the debt collection agency ) removed the debt from my credit after I disputed the debt and then within a few months added the debt again ( this happened three times ). It 's a cycle of harassment. Focus Management refuse to send me a bill that explains what I owe. XXXX XXXX required that I pay {$10.00} per pay statement to obtain a bill from them. It has been a ridiculous cycle. If they can prove that I owe something I will pay it but so far they have not validated the debt.
XXXX 's installment Account Number XXXX Amount Due {$1800.00} Due Date XX/XX/2015 I 've paid and settled this account over a month ago. 
I was told that i would receive a letter stating that the account is paid and settled with a XXXX balance. 
I have not received the letter and my credit is still not updated. 
I am in the process of buying a home and this is the last condition in order for me to close on my loan. I have XXXX children and we are all living in a hotel room until XXXX 's update my credit report or send the letter so I can provide that to my lender for a Rapid rescore. 
I 've also disputed this account, after the account was settled XXXX 's still reported that I owed $ 1,800+ on this account a few days ago. The dispute was closed and nothing was updated. I have called XXXX 's more than 4 times a week for the last 6 weeks with no resolution.
XXXX XXXX # XXXX In XXXX 2017, XXXX personnel initially translated XXXX reward points into {$470.00}. Surprised me as I expected it to be worth {$790.00}. They then said I could n't credit my account with the points as I owed LESS than {$470.00}. I then traveled and charged my card so as to have a balance in excess of {$470.00}. Upon my return I asked XXXX to credit my account for {$470.00}. The first two people I spoke with ( on XX/XX/17 ) told me I could n't do that because my balance EXCEEDED {$470.00}. I ended up speaking to 5 people that day ( in addition to 3 people before I traveled ) XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. 
Each person calculated a different amount for my rewards.I finally received only {$390.00}. 
This from XXXX points!! THEIR SYSTEM SHOULD BE MORE TRANSPARENT TO XXXX USERS. EVEN THEIR OWN PERSONNEL COULD N'T FIGURE IT OUT. 

I 'd like the difference of {$78.00} ( between the {$470.00} I was promised in XX/XX/XXXX and the {$390.00} I was eventually " rewarded ' ) credited to the balance on my account, which I have since closed. I left a balance of {$78.00}.
I ca n't pay no more the apartmente because of XXXX. I want to deen in lieu the apartment but the bank do n't want to received it.
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX days past due as of XX/XX/XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
On Sunday XX/XX/XXXX I shopped online at XXXX due to a sale ending that day. I added two mattresses and two box springs to my cart. Next to the box springs was an add showing 12 month financing available with credit approval ( see screenshot ). I clicked on that and was brought to an add showing " Open a XXXX XXXX Credit Card account & SAVE 20 % today & tomorrow up to a total of {$100.00}. '' Because my items were expensive this sounded like the best and most cost-effective way to purchase them and nothing about the adds made any exclusions about online shopping. 

I applied for and was immediately approved for a XXXX XXXX XXXX card with a {$1000.00} limit. I also saw the inquiry and card ping on my credit monitoring service. 

I proceeded to go to the cart to check out and use my new card and the transaction would not process. It showed an error and told me to call XXXX XXXX. I called and spent 55 minutes on the phone with five different  people. The first three tried to help and couldn't and put me through to other departments. The last two were in credit services : XXXX XXXX XXXX ID XXXX XXXX, in credit services told me that it's a glitch in their system that doesn't let people use the card until they receive it in the mail. I told her that is unacceptable as I opened the card solely to use for the XXXX purchase that day. She told me there was nothing she could do. I asked to speak to a supervisor. 

XXXX was the last person I spoke with, a credit supervisor and he let me know that due to a system error I couldn't use the credit card I just opened to make the purchase online, that I would have to try to go to a XXXX XXXX store before the end of the day. I explained that was not possible nor acceptable and that their details on the card state differently : " The new account discount ( the Discount ) is valid on merchandise purchases made at XXXX, XXXX XXXX and XXXX the day you are approved and the following day and charged on your new XXXX Credit Card account. '' ( also see screenshot ). 

I never would have opened a credit card had I not been able to use the card to make the online purchase. No where did it indicate that it would not work or that there was a " system glitch ''. Now my credit has been affected negatively, I was unable to purchase the items at the sale price, and I am left with a credit card account I don't want as XXXX XXXX customer service is horrible and I would NEVER make a purchase there based on this experience.
On XXXX/XXXX/2015 I sent a dispute to Transunion disputing an inaccurate account balance, results came back that they verified the account, I then sent a method of verification letter to them on XXXX/XXXX/2015, they sent sent back a frm letter stating what the process is, I was not given the data furnishers name or contact information. I have the original documents and certified mail receipts sent to transunion that can be faxed in for proof. My next step is filling a lawsuit. The only acceptable outcome now is for the lien t be deleted
Experian has completed my disputes but the results are just as incorrect and I 've filed disputes multiple times. I can honestly see that Experian is letting a computer determine the results because they do n't even make sense. When I call the executive office, they do n't really want to help, the only thing they want to do is argue. There are multiple incorrect accounts of which  XXXX  creditors are reporting incorrectly. The first  XXXX  is   XXXX   XXXX  , they have violated their terms and agreement and the late payment that was reported is incorrect.   XXXX   XXXX   has been reported to the FDIC for the improper conduct and the late payment was removed from  XXXX  and  XXXX . The second Creditor is  XXXX   XXXX  Bank, they sold the account to  XXXX  collection Agency and as a result that TERMINATED the company 's legal right to continuously report. I 've sent in the info to show that the account was settled and closed in     XXXX   XXXX   XXXX   ,  Experian has yet to update and correct the account as closed. The third incorrect Creditor is RFBCU, Experian is incorrectly reporting that the account is still being charged off As of   XXXX   XXXX  , that is incorrect the account was settled and closed in   XXXX   XXXX   XXXX  , Experian has yet to correct this. I know it 's not  XXXX  's fault because it 's been corrected on other bureaus except Experian. The last creditor is  XXXX . On  Every Bureau   XXXX  has incorrect and mismatching information which violates several FCRA laws. I 've disputed and complained, sent in letters and the  XXXX  accounts are still incorrect. Multiple months are missing payments and it says ND ( no data ) instead of OK. That is incorrect and a violation. The fifth Creditor that is reporting incorrectly is  XXXX   XXXX   XXXX   XXXX   XXXX . This was not a collection account nor charge off in  XXXX . The account was paid and closed in  XXXX . It has a negative payment for the month of  XXXX  when it was clearly paid off and closed. Another reason how I know it 's incorrect because the  XXXX  of  XXXX  does n't allow individuals to consolidate a student loan that is in DEFAULT. These companies are clearly violation FCRA. Experian is allowing the Creditors to report invalid information in addition to reporting and coding certain incorrect information on the credit report in order to recieve a profit. I 've asked several humans/managers/supervisor to look into this And not to let a computer decide, instead the only thing they do is dispute and let a computer decide. It 's a disappointment because one line of the Experian  Mission Statement  says " transforming our relationship with consumers and delivering growth consistently ''. Honestly, they 're not doing any of that for me and shows the company is not following their own mission statement. I hope THESE issues can get resolved quickly so I can have a change of  XXXX .
I 've opened a credit rebuild auto loan with XXXX XXXX on XXXX which states the loan is a rebuild program because they report payments to all 3 credit bureau 's which will help the credit score. To date this has been false, my credit score has not gone up the entirety of my auto loan and XXXX XXXX stated they report payment history. My credit scores are not equate due to this and it 's so frustrating dealing with these type of auto loans that promise to rebuild your credit by reporting to all 3 and they never do they just put the vehicle loan amount on your credit if the vehicle is a lemon and only last you hopefully a year and it 's just not fair that they get away with these tactics. My vehicle is still running fine thank god but it 's an XXXX sold with high miles no warranty I 'm paying high interest which makes the vehicle costs triple when blue book value is only {$4000.00} and change the loan term is 4 years yet they ca n't be polite and keep their word of reporting so it helps the consumer really rebuild credit? And my apologies for sending this over a few times I just do n't know where/how to begin and again it 's so frustrating when you have life curve balls beyond control and when you try to start over and rebuild with these loan sharks it 's impossible : - (
This is in follow up to complaint  XXXX . Since filing that complaint,  XXXX   XXXX  has called my place of employment and left a voicemail advising me to contact him regarding " a complaint against me ''. This call was placed AFTER I called and told him not to contact me further and tried to give him my bankruptcy attorney 's information which he refused.  XXXX  reports that he works fo r Ashfield Management Services at   XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX , NY. This call was in blatant violation of the FDCPA and I am now owed {$1000.00} for this incident.
My Navient student loans acct under  XXXX   XXXX , account #  XXXX , is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH my credit reports & credit scores have suffered due to this falsely reported data.      XXXX  refuses to correct the incorrect data supplied to all   XXXX   credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!
When I saw ( Year of birth XX/XX/XXXX ) on my Experian credit report I was shocked. I was born XX/XX/XXXX
I was never late in paying my Capital one Auto Finance. The account was on autopay set up through Capital one and that had been the mode of payment since establishing the account. I paid the account off in 2013. I do n't know how they can justify destroying my credit by stating that I was 30 days late, four times for account number XXXX and that my account was closed by grantor. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Capital one they refused to take this enormous mark off my credit. That account has a zero balance, it was paid off in 2013 and was closed because the loan was paid off. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment off my credit report.
I have an account on Coinbase ( cryptocurrency ). I have made prior purchases/transactions for bitcoin and ethereum with Coinbase. I have already sold one of my bitcoins however a 2nd bitcoin I purchased in XX/XX/XXXX is not available for my use/sale at this time. I had received an update this past year regarding concerns of identify/online thefts of cryptocurrency  and I moved my 2nd bitcoin into a vault that required 2 factor email verification. Unfortunately I left the job that the 2nd email was associated with later this past year and no longer have access to that email account. I have emailed Coinbase since XX/XX/XXXX multiple times including this past month on XX/XX/XXXXrequesting they move my remaining XXXX  bitcoin from my vault to my wallet. They assured me they have the capability to move my cryptocurrency  from my vault to my wallet and have emailed me multiples times stating my request has been escalated to their specialists/tech department however its now been almost 4+ months without resolution and my XXXX  bitcoin is still in my vault without access. I have requested multiple times by email that they move the remaining cryptocurrency to my wallet without response and they are no longer answering my follow-up emails ( last one dated XX/XX/XXXX ).