WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing this letter to dispute ( 2 ) TWO unauthorized charges in the amount of {$4200.00} on my account. These two charges that appear twice on my statement begin XX/XX/XXXX from a merchant by the name of XXXX Washington DC and extend to XX/XX/XXXX from the same merchant totaling {$8400.00}. I have been ill and have been negligent in checking my statements. I was unaware of my rights and have been paying on this credit card for the past year. I originally called to file a dispute on XX/XX/XXXX but was placed on an extensive hold and given a number that was disconnected. I am including documentation to supplement my claim. Because I have been ill and in and out of the hospital, I recently discovered that my line of credit on this card has severely been misused. As stated, I was not aware of what steps I could take, give the time frame but a fellow Capital One customer told me that I can write a dispute letter. 
I am requesting that the error on my account be investigated and corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

Enclosed is a copy of the disputed charges supporting my position. Please correct the billing error as soon as possible.
XXXX   XXXX  from  Wells Fargo g ive me instructions on how to proceed or how to ask for an extension so I do so just the way he told me the original Conversation we can have two weeks later call me back and is asking me for more documentation more information paperwork from the court etc. Why did you not tell me that from the first time.   We have been going through hoops bounds trying to satis fy Wells Fargo wh o seem to be harassing us keeping us from paying off the reverse mortgage forcing us to become legal representatives of the deceased. I do not appreciate  XXXX   XXXX  in accurate information he should be reprimanded or fire d. Wells Fargo  's company takes advantage and harasses elderly only to keep the property for themselves.      Wells Fargo ca n't seem to update any records anytime soon, I will never recommend or use Wells Fargo un til the day I die. Home owners insurance was purchased  three  months ago and it still has not been updated and yet they take out their own homeowners insurance on the property sending me a bill  XXXX  ...    Yes Wells Fargo   XXXX
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint
I'm a recent widow of a totally and XXXX XXXX veteran, who passed XX/XX/XXXX. VA stopped payment of pension in XX/XX/XXXX7, mix up of claims prior to purchase of modular home. For fives years we have been putting in claims for service-connected compensation. No monies have be received since. Have paid mortgage up until XX/XX/XXXX. Husband has had symptoms of XXXX XXXX   and last base was XXXX XXXX  for three ( 3 ) years.

Have notified, mortgage company of death, and asked for a deferment until DIC and Pension are received. Have the office of representative of the congressman helping to expedite claims. In the mean time the VA have paid my utilities for one month and I haven't received SSI yet.

In desperate need of assistance, as I'm a senior with no money as of yet.
I recently transferred my federal direct student loans to fed loans from XXXX XXXX. I submitted the paper work in mid XXXX XXXX and it was received by Fed loans prior to the end of XXXX. It is currently mid-late XXXX XXXX and Fed Loans is STILL unable to tell me how many successful payments I have made towards PSLF. When I asked them how long until they would be able to calculate the amount of payments I have made towards loan forgiveness ( presumably a process of SIMPLE COUNTING TO TWENTY-SOMETHING ), they informed me today that it will take another 3 months. 

I need this information in order to maybe irreversible and significant decisions very soon. It is absurd that it has taken them 2 months already and may take an additional 3 months to take a basic tally of my payment history.
I have disputed this collections account on my report from Capstone CR a few times, and I have asked multiple times for validation of this debt. I have not once received the information to validate this debt and I do not/have not ever had a contract with them. Instead of providing the information to me, Capstone CR has deleted and readded the collection to my credit report, all done during the week of XXXX XXXX XXXX. Now this collection that I have asked and asked to be removed, has started the aging process over. I do not want to be stuck with this debt even longer now due to their unfair practices.
On or around XX/XX/XXXX I was granted a loan modification which included the language that there would be {$220000.00} of deferred principal balance however I was unable to honor the terms of the agreement In XX/XX/XXXX I applied for another loan modification which superseded the original modification stating that there would not be any deferred amount of money owed. 
I contacted Ocwen over one year ago to resolve this matter and they did nothing! 
Now my back is up against the wall as I need to refinance to pay approximately {$60000.00} of taxes to the IRS by XXXX XXXX, XXXX or I will be subject to large penalties and interest. 
I am in the process of seeking a second mortgage and your current mortgage coupon and the payoff demand both misrepresents the terms of the XX/XX/XXXX modification stating that there is an additional {$220000.00} owed. 
I contacted Ocwen one year ago and this matter was supposed to have been resolved. 
Please expedite and correct this serious matter immediately as I am due to suffer serious financial consequences as a result of this gross error. 
Sincerely XXXX XXXX
I have been served with foreclosure papers from Nationstar Morgage. I am currently working with a Foreclosure Prevention Program Manager. See the contact info below. 
XXXX XXXX XXXX XXXX , XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX. XXXX XXXX is my representative. With XXXX XXXX working on keeping me and my family in our home, we have been asked 4 TIMES to submit the SAME PAPERWORK. Nationstar requests a whole bunch of documents. I comply and send EVERYTHING requested. Nationstar simply sends me a denial notice and when XXXX XXXX follows up with an inquiry as to why we were denied a modification, Nationstar simply repeats the request for the EXACT SAME DOCCUMENTS. I am very frustrated and really ready to tell them they can have the house. We are a middle class family struggling on XXXX XXXX to keep our modest home. I am extremely frustrated with the way the banks handle the entire procedure. Nationstar is a HORRIBLE COMPANY and does NOT work with homeowners who have had hardships.
i sent a letter to lvnv funding on XXXX-17 and didnt receive documentation of accounts. the a fdcpa violation
Bank Of America released {$11.00} that I did not charge to XXXX XXXX XXXX. I have yet to be refunded by Bank of America Bank of America denied me before the Customer Dispute Form Came. 

XXXX XXXX, 2017 the came the Dispute form came 2 days after I have uploaded proof of the letters Its nothing but a rip off by Bank of America and XXXX
I was making a {$1900.00} cash payment for my Citibank credit card at a Citibank ATM. During the transaction the ATM reported that the transaction could not be processed at this time and was canceled. The ATM returned {$230.00} cash but the rest was left stuck in the ATM. I did get a print out from the ATM that the transaction was canceled and to contact the customer service number. A case/investigation was opened but then closed since I did not have a receipt of the transaction. I have opened multiple cases with Citibank and they all end the same way - being closed since I do n't have a receipt of the transaction. The problem is the transaction was canceled so there is not receipt. It was cash so there is no canceled check. this has been going on since the end of XXXX.
I disputed account XXXX XXXX account # XXXX showing charger off for {$4000.00}. EQUIFAX HAS NOT PROVIDE ME WITH PROOF OF ACCOUNT THATWAS SUPPOSED TO BE VERIFIED BY EQUIFAX. ALSO ITS BEEN OVER 30 DAYS AINCE I DISPUTED IT.
My Servicer is attempting to foreclose on my home, however I have a Satisfaction of mortgage that have been recorded in the County Clerks Office. Now my servicer has ask the courts to recind the Satisfaction, the Judge signed off on the erroneous Satisfaction on XXXX/XXXX/2016. I 'm now waiting for the county checks office to enter it into the records and send me a letter stating that fact.
I had 2 or 3 misapplied payments at the beginning of this year. And Nationstar stated they was checking into and I was also trying to apply for a modification. However, I was told no to worry bout misapplied payments and they will adjust them with the new modified loan. I recurred the package in XX/XX/XXXX and mailed in XX/XX/XXXX and at the XX/XX/XXXX they stated the lender was not allowing me to re modifify again. By that time I was about 4 months XXXX, I hadappkief for assistance from home save and I mailed my package and I answered or phone back from them
I was introduced to XXXX XXXX with Waterstone Mortgage at the XXXX TX franchise location by XXXX XXXX, realtor with XXXX with the understanding that he can close on the mortgage loan in XXXX4 weeks. On my initial contact with XXXX XXXX I found our conversation to be somewhat irrelevant since he was trying to know my ethnicity while going over the information, whether I was from XXXX. It was/is my understanding that pre-qualification and the underwriting process for a mortgage loan does not require disclosure based on national origin and thought it was inappropriate for him to inquire about my national origin. After few weeks passed I reevaluated my relationship with XXXX XXXX, the realtor who in my opinion was not being responsive to my requests or follow up on my offers on homes so I told XXXX XXXX that I may not be working with her but I will continue to work with Waterstone Mortgage and since I have already been qualified with them. A week XXXX later I asked him to send me update prequalification letter after he had factored in a new vehicle loan that was not initially factored in. The original loan qualification amount was $ XXXX and updated amount was $ XXXX. XXXX XXXX refused to send me the update prequalification letter and when I questioned why he would not release my prequalification letter, he referred to some banking guidelines regulated by RESPA that I found out do not exist. I spoke with their franchise and corporate customer service in XXXX who confirmed he falsely communicated a requirement that does not exist. He not only refused to release my prequalification letter but also refused me service after I had already been qualified for the loan with them. I reasonably believe he refused me service based on my national origin and after I had stopped working with XXXX XXXX, the realtor. XXXX XXXX NMLS Number is XXXX. I have copies of the correspondence between me and XXXX XXXX. I reached out to corporate customer service for Waterstone Mortgage and spoke with XXXX XXXX who acknowledged the situation but then transferred over to XXXX XXXX who seem to condone XXXX XXXX 's discriminatory behavior and refusal of service after I have qualified with Waterstone Mortgage. Waterstone Mortgage has caused mental anguish by impacting my first home purchase dream by their discriminatory practices that also seem to be condoned by their corporate office.
Best Buy citi card closed my account when I had XXXX balance since XX/XX/2017 and they are claiming that it was due to a credit report. The fact that they are using this excuse to close accounts is very rude. I have never had an issue with this card since I opened it and I've always paid in time and more than the minimum.
bank of america just say not want to business with me. and put a hold on my bank account. and i cant get any funds from the account.bank of america account # XXXX and not give me why they closed. the account was not overdraw.will this closer stop from getting a new bank account at other bank
I have been applying to received my credit report from Equifax and XXXX. With Equifax I received a letter stating again I had to submit proof of my id due to they can not find me in the system. This time they sent the name as XXXX XXXX XXXX. They keep sending me letters asking for proof of id but sending it in the wrong name.
Hi, My name is XXXX and I currently reside at XXXX XXXX, FL XXXX. I recently purchased my home and my original lender was XXXX and loan number with that creditor was XXXX. A little over six months into the loan, the lender has sold my account to another creditor which is Nationstar Mortgage. My new account with Nationstar mortgage is XXXX. My previouse lender XXXX did a cost analysis on my account of XX/XX/2017 which I did not receive any notification for. Based on their cost analysis my previous mortgage payment of {$1000.00} went up to {$1300.00} due to my homeowners insurance going up frm {$1500.00} to about {$3000.00}. I reached out to my insurance company that advised me that my homewoner 's insurance remains at {$1500.00} for the year. I then reached out to my old lender who is XXXX that could not explain where they got the higher amount from. I had my insurance company faxed over a copy of insurance policy to XXXX insurance, who advised that they woud review my account and make the adjustments. Since then my account has been sold to Nationstar Mortgage, who advised me that they are not be able to assist since they are not able to touch the account, even though they are servicing my loan as of XX/XX/2017. The new creditor which is Nationstar Mortgage is stating that I need to pay the higher amount. I need my mortgage payment adjusted and a new analysis done with my correct homeowner 's insurance information. I also need to have XXXX investigated since they where not able to explain why they increase my payment amount and also where did they get the information for my insurance increase.Most importantly I need to have Nationstar Mortgage review my account for my XX/XX/2017 payment.
On XX/XX/XXXXXXXX, I attempted to make a withdrawal from my payroll card and discovered that my entire pay had been withdrawn. I called the number on the back of the card, which was issued by Bank of America, and was advised that the money had been withdrawn in XXXX County, Florida that morning. I filed a dispute by telephone and was given instructions to send written documentation. 
On XX/XX/XXXX, I received a letter from Bank of America stating that they had determined that there was no fraud and they had closed their investigation due to " inconsistent, conflicting information ''. This was before they could possibly have received the documentation that they requested. 
I received a new payroll card and did receive my next payroll, but did not receive any of my money that was due to me on XX/XX/XXXX. 
On XX/XX/XXXX, I faxed an appeal letter to Bank of America with all documentation proving that I had not been out of the State of Texas in XX/XX/XXXX. In fact, I had been at work for XXXX, XXXX, working on the Toll XXXX extension in XXXX County, Texas. My card had been in my possession the entire time. 
In fact, it would have been impossible for anyone to have used my card to withdraw my pay in XXXX County, Florida and be back in Texas when I used my card at the ATM in XXXX, Texas. Bank of America is well aware of this fact, and it is my opinion that they closed the fraud investigation without any investigation at all. 
I have called repeatedly to inquire about the status of the appeal and have been told that they have 90 days to investigate it, and that they will not credit me for the amount while they investigate. This has created a hardship for me, losing my entire paycheck to fraud and I have no way to prevent it happening again.
I have an auto loan that was paid off on XXXX/XXXX/2016 in the amount of {$14000.00} ( PAID IN FULL ). As of XXXX you are still reporting my paid off account as ( OPEN ) with a balance of {$14000.00}. This is incorrect credit reporting. Please update all XXXX of my credit reports XXXX as PAID IN FULL with a {$0.00} balance. 

As this is incorrect balance is affecting my credit rating.
Experian just informed me that XXXX XXXX XXXX remains on my account. Can you explain how it remains when they told me that the account was closed in 2014 with an unknown name, my wife 's maiden name, and an address in XXXX Virginia when I have lived in XXXX Virginia my whole life, just check the XXXX records.
In XX/XX/XXXX, I asked that my account be updated as it was showing that it hadn't been reported since XX/XX/XXXX. I pay this account every single month and am up to date on my payments. on XX/XX/XXXX, TranUnion deleted my account because they weren't able to reach the creditor and dropped my credit score by almost 100 points. I contacted them and they advised me to contact the creditor directly and ask them to resubmit the account. They stated that they will not do anything further because they already report it each month. Even though it wasn't showing as reported since XXXX. I called TransUnion again and they said they tried to reach out to them electronically with no response and they deleted it. I contact XXXX XXXX ( creditor ) and they stated that they do what they are supposed to. I spoke to the owner and he stated that there is nothing wrong showing on their end. I advised him that all Transunion is asking that they call and add the account back on and verify. He refused saying he does what he is supposed to do and that's all he is required to do. this was all via email in writing.
I 've had over {$1000.00} wrongfully charged my Utah Eppicard ( child support ). When I call any number and select any option, I can not get anyone on the phone! I have sat on their IVR for over an hour, each day this week! How can I dispute my transaction when no one answers!
I receive a hard inquiry on my credit report almost every month from XXXX XXXX and I do not own a XXXX XXXX nor have I authorized them to access my credit report. I want them to stop checking my reports!!
There are XXXX liens showing up with Equifax which only list XXXX Release of tax lien XXXX {$23000.00} and XXXX XXXX same {$23000.00} different doc numbers and XXXX also list XXXX {$3100.00} These were a mistake that have been resolved, I even went to the court house. I explained that numerous times, XXXX removed all. What do I need to do so these XXXX agencies comply with the law. These were filed in error no tax liens existed on my business.
I placed a security freeze on all 3 credit bureaus as I was a victim of identity theft. No one is supposed to be pulling my credit report or extending lines of credit without calling my first and no such thing has occurred. The only inquires on my report that are valid are the ones coming from XXXX XXXX Bank, XXXX, and XXXX XXXX XXXX Bank. All other inquiries were unauthorized and I have reached out to the credit bureaus to investigate but have received no help on the matter.
My Bank, Wells Fargo Bank in XXXX, WI suddenly changed a practice from the one I was accustom to doing my banking based on, to one that I was completely unaware and unfamiliar with. This change resulted in me incurring over XXXX in overdraft fees over about a two week period of time, before I was able to learn what was going wrong. The changed practice was to start assigning the prior days date to transactions that arrived at the bank after either XXXX or XXXX. In addition they took overdraft protection off my account after persuading me to switch to a different type of account without informing me that this new type account would not include overdraft protection. The combination of this two events at the same time resulted in me paying all those OD fees on my checking account while having money in my savings account that could have covered the purchases had I been aware. But by assigning the prior days date by the time I became aware the overdraft fee was already applied. Additionally, I was in communication with Wells Fargo bank daily trying to get a handle on the situation. However, it was not until toward the end of the situation that bank staff informed me about the removal of my overdraft protection and the new practice of assigning the prior days date to charges coming through after a certain time.
XXXX, TransUnion, XXXX have allowed computer hackers to access my credit and personal information and allowed hackers to open many accounts and taken all of my money in my accounts.
ONXX/XX/XXXX XXXX XXXX XXXX XXXX SUBMITTED PAPERWORK TO ALL XXXX BUREAUS REQUESTING THE COLLECTION ACCOUNT BE REMOVED FROM MY CREDIT REPORT. THE ATTACHED LETTER SHOWS IT ALL. AS OFXX/XX/XXXX THE AGENCIES ARE SAYING THEY HAVENT RECIEVED ANY SUCH NOTIFICATIONS.BUT WE CALLED XXXX XXXX AND THEY ENSURE IT WAS SENT ONXX/XX/XXXXTO BE REMOVED.
I lived in XXXX XXXX on XXXX XXXX from XX/XX/XXXX untilXX/XX/XXXX I called XXXX to have my lights, gas and electric turned off, however, they never shut it off and someone else ran up my light bill. I called them several times to remedy the situation and each time they promised that it is resolved. However, a balance of {$1200.00} from XXXX is showing up on my credit report on all 3 agencies. I need this removed and disputed immediately. This is unfair and complete unethical.
I had a Macy's/American Express card XXXX The Amex portion was compromised and I received a bill showing a late charge. I had never used the Amex portion of the card and thought it was just my Macy 's bill. When I realized it was fraudulent charges, I contacted them and they started a claim in XXXX 2014. The claim is still outstanding and I have been receiving letters from their collections division. I have called at least XXXX times, each time they tell me it is still under investigation and they received the Declaration of Fraud paper in XXXX 2014, yet the case has not been resolved. I have been told multiple times that a supervisor will call me back regarding the issue, with not XXXX return call. I closed the Amex portion of the card immediately after realizing the fraud had taken place.
XXXX XXXX XXXX hires a third party to bury lines on ones property for the purpose of having fiber optic lines. The problem with this is that these companies do a poor job of actually burying the lines. They come out with a machine that digs a hole so that another person can bury the lines that follows behind them. However next to the house the lines are only a few inches deep and they pay no attention to that. Animals can dig up these lines because you can actually see them. I sent pictures to XXXX XXXX XXXX and complained about this but what do they do? They send me a bill because of the sloppy work done on my property. This was the THIRD time they had to bury these lines. Next door new property cut the lines installing sprinkler systems when they were only a inch below the ground. Why can't they place PVC pipe ( very inexpensive ) on these lines instead a sending a bill to the homeowner. I still have no idea where the lines are.
According to XXXX, Equifax and XXXX my report publish information should be removed. Inquiries on my Equifax report by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX these inquiries were not authorized by me. A  collection from a phone company I never had. The collection account is reporting on all three credit reports : XXXX XXXX for XXXX I constantly dispute it will come off, then return back. Again these actions were not my doing.