WillisBack/dataset-financial-user-claim huggingface dataset:
The 6 month 0 % financing transaction of {$210.00} appears on the XX/XX/XXXX Best Buy statement same day XX/XX/XXXX of which the XXXX router was returned to Best Buy, XXXX, Ohio. There is a transaction where the credit pf {$210.00} was applied, and there is also an transaction where a 6 month 0 % financing charge for {$210.00} as created with a promotion date of XX/XX/XXXX. 

The initial charge of {$210.00} resulted in a balance of {$2.00} being left over after the {$210.00} for the XXXX router was returned. 

On XX/XX/XXXX, I made an online payment of {$990.00}. I called back on XX/XX/XXXX to speak with a customer service representative to discuss how I wanted the {$990.00} allocated on my Best Buy credit card account. Per the phone the breakdown of the {$990.00} went as follows : 1. Paid {$60.00} to minimum payment. Balance {$930.00} 2. Paid {$210.00}. XXXX for the 6 month 0 % financing for the returned item. 
3. There was a 6 month 0 % financing for {$770.00} from XX/XX/XXXX.  The {$710.00} have been applied. Leaving a balance due of XXXX. 
4. I made a payment of {$100.00} on XX/XX/XXXX. 
5. On XX/XX/XXXX, a default/adjustment of {$54.00}. 

I initially filed a XXXX complaint against Best Buy, which was later transferred to XXXX as they are the financial holder of the Best Buy credit card. I received a phone all from XXXX XXXX. 

On XX/XX/XXXX, I received an e-mail from the XXXX XXXX XXXX of New York stating XXXX asked for 14 days to reply. I agreed and to date have not received additional information. 

I did receive a letter dated XX/XX/XXXX, as a response to the initial complaint. I'd spoke with XXXX XXXX and to no avail was there an understanding of the credit and the charge of the {$210.00} of which I paid in full for an item I returned. Also, she stated I made a charge of {$190.00} XX/XX/XXXX. That purchase was a regular charge and was not a 6 month 0 % financing. 

Respectfully,
I am applying for a home loan and Midwest Recovery Systems is putting small debts on my credit files that do not belong to me. I finally paid a XXXX $ debt to attempt to get my mortgage approved. The company could provide no documentation of the debt and had my name, dob and SSN, they did not have the correct address and had an incorrect phone number until we contacted them about the debt to try to clear it up. Now it has been paid and they are not removing it from the credit bureaus. Every time I call I get a different date for when the information will be reported to the agencies.
This car loan has been on my acct for more than 7years has a repo, I've contacted the credit bureau and was told it's not showing in their system but I've run my credit and this is hiding and still on my file credit file
I had a Security system placed in y home 5 years ago with XXXX XXXX security. I told sales rep I was not wanting a Credit card he was trying to sell. He told me that fine, however sign her for alarm system. Apparently a Credit Card with a limit of {$7500.00} was opened under my name with Wells Fargo. I never used it and it still shows on my Credit Report. I think XXXX XXXX XXXX should also be looked at for opening fraudulent credit cards.
The issue is that my SUV ( XXXX XXXX XX/XX/XXXX, XXXX XXXX with XXXX # XXXX ), was wrecked on XX/XX/2016 and was declared a total loss. This was paid, mostly by the insurance company of the person that crashed into me. {$11000.00} was paid on XX/XX/2016 by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the other part was paid by my GAP insurance. They made a payment of {$950.00} on XX/XX/2016, of which {$460.00} was for the cancelation of the warranty and {$480.00} was for the cancelation of the repairs. The grand total was {$12000.00}, which they received ; however, to this day the account [ is still open ] and they continue to charge interest as well as other fees without any reason at all. They have yet to apply the credit to pay it off and send us the surplus, which is {$780.00}. My wife and I have contacted the finance [ department ] [ unintelligible ] on countless occasions with no success since the people that assist us indicate that they can only provide the information that is in the system, namely, that the account is delinquent 65 days and that it is affecting my credit. They also indicated that they had XXXX unintelligible spelling, perhaps declined XXXX the payment. I dont understand why, since I contacted XXXX and they advised me that the check had been cashed by GO Financial. They have received the money but even so they keep raising the amount and will not apply the awarded amount to the balance of the account, which is affecting my credit. The balance on the XXXX was {$11000.00}, and they were paid {$12000.00}, which means there was an excess payment of {$780.00} that belongs to me, but I have not received it since they have not handled the account in a legal way. To date they have raised the amount of my account to {$11000.00} without any reason, because they have the money and are affecting my credit, just so they can keep all the money. 

The situation is extremely important and worrisome, since they are affecting my credit and I need a vehicle. I cant purchase another XXXX till they pay off the account, send me my excess payment of {$780.00} and clear my credit. Now this situation is affecting me emotionally.
I was approved for the income driven repayment plan for 1 year and I am to reapply yearly. Nelnet AND XXXX credit bureau are inaccurately reporting my program as in deferment which is inaccurate and bringing my credit score down XXXX plus points. I have contacted Nelnet, credit bureau regarding this matter and received letters from both entities that it was resolved but it 's worse. I have been paying student loans for 10 years for a certificate degree with no late payments and finally approved on a program and now my credit is messed up from both branche 's with no resolution. I 'm in worse shape. I 'm complaining against Nelnet for innaccurate student loan reporting and XXXX for poor reporting, bad customer service and failure to verify information which has been submitted by myself and Nelnet.
Company : Coinbase Deposit {$500.00} on XX/XX/XXXX for a total of {$750.00} in my digital wallet. 
Begin a {$750.00} deposit on XX/XX/XXXX Account is locked for unknown reason later that day ( XX/XX/XXXX )  Proper verification to unlock account is provided by XX/XX/XXXX Payment still goes through on XX/XX/XXXX Support ticket opened on XX/XX/XXXX Wait for response from company for 2 weeks. No response Attempt to call their support hotline numerous times during these two weeks, call automatically ends saying they are too busy. 
Finally get through their phone support on XX/XX/XXXX Support agent says my account has been flagged to be reviewed by a specialist. 
No response since, account still remains locked by withdrawing or transferring any money.
We are more than a month ahead on our mortgage payments. Ditech failed to properly apply our payments and charged us late payment fees. After speaking with a representative, Ditech acknowledged their error and promised to fix it. Today we have received collections notices from ditech. My high credit rating is valuable and should not be abused by a lender that fails to perform basic administrative functions correctly.
On XXXX XXXX XXXX, I received a billing from American Coradius International LLC ( ACL ). The billing is dated XXXX XXXX XXXX. In it, ACL indicates an account " has been placed with our office for collection. '' The creditor is identified as XXXX, XXXX. In the billing, my first name is misspelled. No validation of debt was included. A call to XXXX confirmed that I have no debt with XXXX. My credit report shows no negative report or judgment. While communication from ACL was not electronic, this billing and threat of action resembles phishing.
Equifax allowed it 's database to be breached and my personal information which may have included my name, Social Security number, birth date, addresses and drivers license numbers and/or Credit card numbers. The unauthorized access occurred from mid-XX/XX/XXXX through XXXX 2017. As of now no accounts have been fraudulently opened in my name as far as I can tell.
on XX/XX/2018 I sent a dispute letter to IC System asking for validation. I received back letter saying " XXXX has provided the attached information verifying your responsibility ''. On XX/XX/2018 I send a second letter because yet again IC System have failed to provide me with copy of any viable evidence. I have no record of the above account and i am demanding that they disclose all of the documents upon which they are relying on, for the reporting on account. In accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C 1681g the consumer is entitled to said records the requested. 
The information they are reporting is harming my reputation, its adversely affecting my credit worthiness and i am being denied credit as a result of this inaccurate reporting. They are in violation of the FCRA. On XX/XX/2018 i send a third letter, stating I have retained new copies of my credit reports and noticed that they did not furnish the credit bureaus with the required disclose within the period required by law. 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or  threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
I have been in foreclosure for a while and have tried to work with the bank on a few separate occasions. Last  XXXX  I went through the process with a customer service manager from Bank  of America n and tried a remodifcation. I kept giving them the information they requested, but would get a letter saying that I did not respond in time to the denied my request.     This past scenario, I got an auction sale letter by certified mail on  XXXX   XXXX  from a firm representing Bank  of America. I c alled the firm and asked how I can stop the sale and work with Ban k of America. T hey told me to work with my customer relation  manager  directly and they could assist and post-pone the sale. I immediately called to try to work it out again with BoA and was assigned a new  XXXX  to assist. Thats the thing with BoA, I can never actually speak to this person. They give me a name, and then when you call, they are never available and you have to work with the  XXXX  im on the line with and I never get to actually speak with the person who is responsible for my account.     Well I got the package form BoA along with the letter of what I needed to send them for the loan modification. I retrieved all of the files and faxed the info to them on   XXXX   XXXX  , for which I have a confirmation from MyFax services. I received a letter from BoA on  XXXX   XXXX  or  XXXX  about the extra materials they needed from me which included contacting my  XXXX  for details. This letter stated that any sales of the property would be put on hold until an answer was made in the application. It also stated I have 37 Days to complete the remodification.  Well  on   XXXX   XXXX  , the auctioneer showed up and sold my house. When I called the bank, they said there was nothing they could do at this point and to speak with their representation that handled the auction. Their representation says to talk to BoA. I am still within my 37 days and am trying HARD to make sure I do n't lose this house, but BoA is making difficult, almost on purpose it feels. I have  2 y oung kids and I am in a place now where I can make payments where I was n't when I got into the mess I am. I just want to make things right with BoA and start making payments and not lose my home.
I'm a business owner. We often borrow money and we are always asked to sign personal guarantees. The loans never report to the credit reporting agencies since they're commercial loans. We currently have one reporting with Experian for a commercial loan or in this case a merchant cash advance with XXXX XXXX. Experian has refused to remove it from reporting as a loan on my personal credit report. I sent them the loan agreements for the loan, the incorporation and dissolution filings with the secretary of state. Those documents showed the loan was made out to a corporation that was also dissolved. Experian denied my request after requesting the documents be sent to them for review. They actually stated to me that XXXX XXXX  was their customer and they had an agreement with them.
I have transferred money from my local bank in my country to my trading account at XXXX XXXX, for stock trading, the funds were held at the intermediary bank which is Wells Fargo, despite my bank providing them with all the required information, like my full name, date of birth, address, Wells Fargo has not released the funds to XXXX XXXX or returned back my funds. 

Either the staff at Wells Fargo are lazy or doing it intentionally. Wells Fargo reference number XXXX Please have a look at the attachments the details of the concerned employee at wells fargo and issue is mentioned. This one is for one transaction, the issue is for two transactions one for XXXX XXXX and another one for XXXX XXXX I am the sender and receiver ( beneficiary )
Since my last complaint, number XXXX, The XXXX at Ocwen have started collection efforts in the form of harassing phone calls to collect my XXXX XXXX payment which was received by them on XXXX XXXX and immediately misappropriated. I have called them and they claim that they have corrected the problem, but my account page on their web site STILL shows the XX/XX/XXXX payment plus late charges due. They have NEVER DONE WHAT THEY SAID THEY WOULD DO ON THE PHONE. They blame their " system '' but I pointed out to them that there 's a human somewhere who owns and operates their " system '' AND THAT PERSON IS NOT DOING THEIR JOB. I am deeply concerned that Ocwen is mismanaging my money and my mortgage, and I do not want to get screwed when someone takes off with all the money.
I went to TransUnions website on XXXX XXXX, 2017 to obtain a free credit report at https : //www.transunion.com/annual-credit-report. See attached pdf which shows picture of misleading website intentionally designed to fool people into ordering a service which they do not want and which is very difficult to cancel. 

If you go to the site you will see that they advertise a free annual report. They mention it being free several times in the paragraph that follows and there is a button to order a Trans Union report and score to the right of their description about the free services. I clicked on the Get your credit report and score button. It brought me to a three-step process which I completed. The process required that I provide them a lot of details about myself including verifying my home mortgage and even entering a credit card number. It did not occur to me that I was entering my credit card number for purposes of being billed for any type of service. I was surprised when I received an email that stated that I had enrolled in a monthly credit monitoring service for {$19.00} per month. 
I contacted Trans Union today and spoke with 2 individuals who assured me that it would be easy to have the service canceled. I went online and am not sure that the service was even canceled. 
I am very concerned that I have been victimized by Trans Union and that many other Americans are also going to be victimized by Trans Union particularly after the XXXX situation where many of us are wanting to run a credit report to see if we have been victimized.
On XX/XX/XXXX I opened a new credit card with 12 months 0 % promotional rate on purchases. It would make sense that I should pay no interest through XX/XX/XXXX.  Unfortunately Capital One thinks differently. They said that the 12 months 0 % promotional rate expired in XX/XX/XXXX. Not sure how is that possible. They charged me {$180.00} in interest for one month. I talked to a manager at Capital One, his name is XXXX and he was located in XXXX, Manger ID XXXX. I asked him to resolve the issue and reverse the charge, but he completely refused to make it right.
My husband and I have a joint check account with Chase. My husband has had this account for 7 years. Chase closed our account with our prior notification today XX/XX/2018. When I called to find out the reason the only response they would give me is " Chase has reviewed your account and has decided to close it '' My husband and I were both expecting a direct deposit from our job today and when I asked about that money Chase responded that they are holding the money for two business days and then will send a check. The money in my checking account is the only money I have. I have a XXXX year old daughter at home that I need to feed and pay for her daycare. I can not wait for a check to come in the mail. It is unfathomable to me that Chase is allowed to hold my money and not even give me an explanation. Chase even opened up a savings account for me on XX/XX/2018, so there was no issue with my or my account then. I went into a branch to see if they can give me more information and they said " Sometimes chase does this and they wont even give the branch managers information. '' The branch manager saw nothing concerning on our account either.
My husband and I moved out of the XXXX XXXX apartment complex in XXXX, Colorado as of XX/XX/XXXX, rent having been paid through the end of the month and owing no money as per the lease agreement provided to us by them. On XX/XX/XXXX I get a credit alert that they have put in a claim to collections for {$630.00} with no supporting documentation or reasons as to why or how the debt is supposedly ours. 

We can supply a copy of the lease agreement showing that we owe nothing upon moving out and bank records showing that rent was paid for that entire month in full. The paperwork supplied clearly states that the checked box replaces the early move out provision and the amount is blank, meaning nothing is owed if a move is conducted before the lease is up. 

We tried to dispute this with XXXX, to no avail. We need this removed from our credit reports as we are trying to obtain a business loan to start a new venture. 

This is how it appears on XXXX : Company : National Credit System Address : XXXX XXXX  XXXX XXXX, XXXX, Georgia XXXX Phone : XXXX Alert Date : XX/XX/XXXX Balance {$630.00} XXXX XXXX 's contact information : XXXX XXXX XXXX XXXX XXXX, Colorado, XXXX XXXX
Capital One Venture card telephoned to say my card was blocked but, other than to say there was an indication of possible attempted use by unauthorized user would not provide any information. I verified all outstanding charges. They still demanded I send them a photocopy of my Social Security card, proof of identity and proof of my address, and they would not accept telephone or on-online verification of my identity. I ( perhaps foolishly ) sent them copies of my Social Security card, passport and utility bill showing my address -- so now they are in a position to participate in identity theft should they not be completely honest. Nonetheless my account remains " restricted '' meaning I can not use the card or get any information from them online. I have filed an online complaint with Capital One and not received any response. Attempts to contact them by telephone result in very lengthy delays on hold and then a refusal by staff to provide any information or assistance, only evasiveness even when I speak with a supervisor. On XXXX XXXX, 2016, I wrote to them to close the account and credit the small rewards balance I have earned against the small outstanding balance on the account. Obviously it is too soon to have received a response.
In early XXXX, 2016, my husband and I met with a XXXX, a broker at a PNC bank branch to go over our finances and get advice as we wanted to apply for a loan to make some repairs to our home. We went over some options, discussed our credit with her, and she went over some different rates with us for a secured and unsecured loan. After doing that, she advised us that we would be in a better position if we cleared up our delinquent accounts on our credit history, and the best way to do that would be to take out a loan against my XXXX and then wait approximately 30 days for the credit to update and return to apply for the loan. I in turn took out that loan, paid off the debt, and we waited approximately 30 days before coming back to PNC to initiate the loan application. We applied for the HELOC on XXXX XXXX, 2016 with XXXX. We went over the approximate value of our home, how much equity we thought we had in it, and determined that we had more than enough to apply for a {$25000.00} loan. We spent the better part of the morning with her, provided all the documentation she asked for, but when we left the bank that morning, she did not provide us with anything other than her contact information. Federal law states that the bank is to provide us with a booklet providing information about using the equity in our home and also, within 72 hours, they are required to give us a disclosure noting the amount of the loan and the approximate costs involved in getting a home equity loan. We did not receive any phone calls from her. We did receive a generic email from the bank simply stating that the bank received our application and if they needed further information they would contact us. It was signed by no one. The second day, I got the same thing. After that, I called XXXX, who informed me that the loan was rejected but, without our knowledge, she was writing an " appeal '' and she would let us know what happened with that. This was extremely upsetting to both my husband and myself, who took her advice and took out a loan against my XXXX to clean up our credit to be in a better position with the bank, and the bank still denied our application. XXXX informed us that the bank denied the appeal. So now here we sit with no loan, and no way to make the improvements we need to our home.
XXXX XXXX calls himself the CEO of the Huntington group. When I questioned the bill or needed XXXX minutes to verify with my bank that I may have already paid this debt, he became irate and wanted my credit card information right now or he was taking us to court. He hung up on me XXXX and was very very unprofessional. All he wanted was my credit card information or he was hanging up. we had a similar debt around the time he did state but I paid that off so he wanted me to send me all that information. I refused because I needed to verify his company further before I started handing out my credit card information. He seemed very out of control and manic before he hung up on me for the XXXX time.
This pertains to Chexsystems. I have disputed these accounts for XXXX XXXX XXXX and XXXX Bank through the Chexsystems dispute process, that show me either owing a balance or having paid a delinquent balance. I have never owed either institution any money and have closed both accounts years ago, yet they still show up on this reporting service as " charged-off '' or charged-off but paid in full. 
As a result, i am unable to open a new bank account and I want these fraudulent entries deleted from my Chexsystems report.
Hello, I recently realized that paypal has made a hard inquiry for a credit card without my permission. Many people have experienced this same issue and there has been a lawsuit against paypal regarding this issue. The option to made a credit card inquiry was already checked for many people without permission. it was deceptive and lowered my credit score. I want it to be removed from my credit report.
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX ,