WillisBack/dataset-financial-user-claim huggingface dataset:
I was a customer of  XXXX   XXXX  in the year of  XXXX . I graduated in  XXXX  and was given 6 months before I had to start making payments. I made payments on time every single month, then a major lay off occurred at the  XXXX   XXXX  I was working at at the time. I called  XXXX   XXXX  which directed me to  XXXX  , which I was unaware of and confused. I spoke with them and they told me there was only one option to stop payment for only 3 months and that was to pay three months ahead. I had a co-signer and could not let the paym ent go in default. In turn, I had to borrow money for borrowed money to attend school during our struggling economy. I have now paid this back, however, I feel I was cheated and finally I see the company is being sued and I would like to speak up for others and say I was a victim of their crime in why they are being sued. It was wrong and made a long struggle when most student loans will make arrangements to help less burden the students when getting on their feet.     Also, I do have proper documentation to prove this to be true if in the case it is needed.   Thank you.
On XXXX XXXX I paid my Macy American Express bill at the Macy store in XXXX New Jersey for {$650.00} with a check. On XXXX XXXX th Macy/Amex went into my bank account and took another XXXX out of my bank account for XXXX which I received. I discovered this on XXXX XXXX. I called the company and they had no record of the XXXX XXXX transaction. I was advised to send all the information from my bank showing their mistake which I did. Since that time after about XXXX or more calls too Macy/Amex customer service this issue is still not resolved. On XXXX XXXX I spoke with a manager who stated he would be able to credit my bank account for XXXX but my account would go into dispute for the XXXX which I paid but would resolve itself and be credited back to my account within 3 to 5 days. It is now 12 days and I my account is still in dispute for the original {$650.00} which I paid to my account. No one at Macy/Amex can get this problem resolved.
On XX/XX/2018, i applied to credit card from XXXX. I did not recived any result at that time. Result was going to be mailed to my address in 60 days. But i did not received anything from XXXX  yet. I tried reaching out to customer support but was going to a automated voice system giving me the same information as result will be mailed to you. I am not able to speak to a real person from XXXX yet. Want to dispute this enquiry from XXXX from my credit reports. 

Credit enquiry from : Institution Information XXXX  XXXX, DE XXXX ( XXXX ) XXXX
This situation is getting very frustrating and is now affected my state of well-being do to the way Modern Finance is conducting business. on XXXX/XXXX/2016 paid {$1000.00} and noticed my receipt i got back after i made the payment that next due was XX/XX/XXXX2016.requested that they fix it and if i can get a new receipt with corrected amounts but they crossed it out with a pen and hand write XXXX/XXXX/2016. Now i got emails from XXXX XXXX dated XXXX2016 stating i get in contact with her in regards of the account. on XXXX2016 received another email letting me know that she recieved a payment for {$9000.00} and attached copy of check. which Modern Finance failed to post on to my account. If they think that they are gona continue to do this they are wrong my next step will be to push this threw the courts and hold XXXX XXXX and Modern Finance liable on there face for any additional fees I come by.all my receipts and paper copies show all the erroneous inputted data from XXXX there for hope that CFPB can help with this situation again.
Hello, I opened a dispute due to three fraudulent charges on ( XX/XX/18 ) in three separate amounts of ( {$28.00} ), ( {$1000.00} ) and ( {$850.00} ). I was charge by XXXX for three different amounts in the same day. This is not a normal pattern. My account was not flagged to alert me about these charges, so when I saw them on my statement I filed a charge back and was denied. I do not use XXXX nor do I have one that I set up. After opening up a dispute chase sent a letter informing me the credits provided will be reversed after reviewing the claim because they are valid. I contact chase Bank on XX/XX/18 at around XXXX XXXX and spoke with the fraud department and a young women informed me that because they saw a charge before to XXXX and I did not disputed on my account for that XXXX payment, so this debit was valid. I informed the agent that I have never used XXXX and asked to speak to a manager, but she said one is not available. I am sending this email to have this reviewed, because this is a fraudulent transaction not authorized by me. I do not understand how three charges in that large amount were made to XXXX and I was not alerted by the fraud department. Please review and correct. I really rather not take my business to another bank, but will if not resolved correctly. There are a ton of complaints about the same issue and XXXX fraud online. Please contact me by email or by phone at XXXX. My name is XXXX XXXX. 

Thanks Charges below on XX/XX/18 to XXXX. 
{$1000.00} {$850.00} {$28.00} Claim number : XXXX Card ending : XXXX Account ending : XXXX XX/XX/18 : Spoke with an agent from XXXX XXXX TX with the name XXXX at XXXX XXXX. He stated that the information they provided was my address and name, which if my card is number is stolen they have that information because. Then he stated they sent an ip address which is in the XXXX and I stay in the XXXX. Which is no where near me. He stated that since it was close to me that I am responsible for the charge and then stated that there was more information and I asked him to send it to me and he hung up the call right away and did not contact me back. 

XX/XX/18 : Called back about XXXX and spoke with XXXX . Informed of situation about the guy hanging up and she did not apologize nor had a concern at all. She stated a manager will call me back and she will send the proof. She lacked any kind of empathy as if she cared or not.
Hi, I am wondering, why is it that Navient does not provide an account of the interest charges that have hit my account? I can see the current interest total on a loan, and transactions of interest that I have PAID, but there is no transaction records of the Interest that has actually been charged to my account ( either weekly, monthly, or daily ). 

For example, I could have paid {$5.00} in interest one payment and I would see that, but maybe {$6.00} was actually built up in interest that week, and there 's no record of that. If I see what I think is an error, how am I to rectify that if I have no record of what the transactions of interest are? I I have reached out to Navient multiple times asking this, and I was told that I can use an Interest " Estimater '' calculator. How is it okay for a loan provider to have you " estimate '' the interest that they are charging you? I can see in my account a discrepancy on the amount of interest that I was charged one week, but ca n't rectify it without seeing interest charges. I asked for an individual interest accounting for each of my loans - as I have seen conflicting information in the web portal. What I was provided with was an accounting that had different loans combined, so it did n't help. Follow up requests did not This seems like it could open the door up to many errors. A Credit Card company or a mortgage loan provider would never tell me to use an " estimator '' to calculate my interest charges, they are explicitly laid out on the statement. 

Could you please help me understand this? Is this a practice across the entire student loan industry? I would like to have an individual account of all of the interest charges charged to my individual loans. 

Thank you!
At approximately XXXX on Thursday, XXXX XXXX, a gentleman by the name of XXXX XXXX contacted my fiance on her cell phone. He said he was calling from XXXX XXXX XXXX and asked to speak to me. She informed the collector that I was not available. He then asked her if she wanted to discuss the matter. Without having her verify my info, he actually provided it to her ... He proceeded to tell her about a debt that I owe to XXXX XXXX regarding a XXXX XXXX account. She offered to make payments of XXXX dollars monthly and he told her that that amount was not good enough and that it would take forever to pay off. He then told her about other things that I was making payments on that seemed to be in good standing and could n't understand why I could n't be in good standings with them. My fiance was upset and did n't understand why he was bullying her about other bills. He disclosed my information to someone who is not even on the card and has no affiliation to the debt owed. He violated my rights and upset my 6 month XXXX fiance who was just trying to get us back on track with payments.
I applied for a Re-finance mortgage wit h Contour mortga ge and paid for an appraisal. After the appraisal my loan estimate went up by thousands. When i switched to a new mortgage company, I filled out an appraisal transfer and  Contour is refu sing to release the appraisal. I had the new compa ny (   XXXX   XXXX   XXXX   )  reach out to them and see if they could get it released and they are still refusing to release the appraisal.
Both the amount and manner of the communications was inappropriate. The caller misrepresented the rules governing our agreement and the tone bordered on threatening.
My granddaughter and I  have the same first name but difference last name we have the same address but we do not have the same birthday nor do we have the same social security number. Her student loans came up on my credit report and I would like to have them removed. The amounts and dates are XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX, XXXX,XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, I called XXXX XXXX XXXX XXXX and they told me I needed to file a complain with XXXX. This is not the first time this has happened and I would like for it to stop.
I contracted service from  XXXX  for a  SIM ca rd to be used in an iPad for cellular connection purposes. The signal was very poor at my place of residence due to interference. I returned th e SIM c ard and closed the account.  XXXX  refunded my money and i considered that to be the end . 5 W eeks later i received a bill from a collection agency by the name of  XXXX   XXXX  ; I called  XXXX  and they corrected my account to show that no money was owed to them. Following month another bill was sent from CONVERGENT  OUTSOURCING INC. f or the same amount. I have called  XXXX  to clear this situation but they say the show no traces of my name in their records. I do not wish to contact the  collectors company for fear that they are just going to verify my name and address and sell my name to other data collecting agencies. Please Help.
Through a bad XXXX. I was left with a few credit cards and a lot of debt. I had 2 cards with chase Total was XXXX. On the phone with chase they accepted a settlement payment of XXXX. Which i drove to a chase branch and paid in full on XX/XX/2016 Bank told me it was all clear and account closed. But it is still showing on my credit report as unpaid. With multiple attempts calling chase and they found the problem twice as of to why it wasent reported clear which was a mistake on their part they promised to have this clear off of my credit report. And its still on my report. I dont know what else to do. This account has definitely been paid in full per their settlement agreement.
I have an automatic bill-pay set up with a merchant to sent out twice a month ; on the XXXX and the last day of every month to correspond with my pay-days. For some reason even the bank admits they have no explanation or backup for, they sent this month on the XXXX instead of the XXXX, causing my account to go into a negative balance. I had called my bank to find out why and to make sure I would not be charged any overdraft fees. The Bank has refused to do so, even though I can show that every past payment has been made on the last day of the month or later. 

Bank of the West has a history of manipulating transactions to maximize overdraft fees ; they were forced to pay {$18.00} XXXX in a class action lawsuit in 2012. I respectfully request any overdraft fees resulting from their mistake to be rescinded.
Since XX/XX/XXXX, I have been disputing incorrect information being reported on my credit report. After applying for a loan for a mortgage in XX/XX/XXXX, and being declined because of the negative things being reported. Incorrect name and spelling, addresses I've never been associated with, wrong year for birth-date, incorrect account open dates, things that been paid to the original creditor, but another company reporting that's its unpaid. I have sent in proof of everything I've been disputing with a letter each month and nothing has changed. I even had a notary present during the signing of my letters. These agencies do not respond with 30 days from my request see date attached response with date. I'm still being declined and unable to move forward with my life because XXXX, Equifax, XXXX XXXX, they have failed me with their investigations to correct the errors being reported. I have the original credit report pull from the mortgage company earlier in the year and the latest one from my credit union and they are still reporting the same incorrect information. As I move forward into XXXX I would like the these companies to finally report the correct information.
XXXX XXXX,2017, XXXX XXXX was removed from my credit report in the amount of {$670.00}. I got a notification on XXXX XXXX saying this account was opened on XXXX XXXX, 2017. By law, this should have not been added with out something in writing.
My loan servicing company, Ditech, undertook a process which is described on their voicemail system as a " system upgrade '' that was to run from " XXXX XXXX, 2016 through XXXX XXXX, 2016. During that time, they explained on the telephone and on their recorded messages that no account information would be available and they were sorry for the inconvenience. Also during that time, my re-finance escrow closed and full final payment was transferred to Ditech per their instructions. Today, XXXX XXXX, 2016 when I log on via the internet and call customer service they are still unable " to see any information about this account other than the balance '' which they are still showing as if it had not been paid off. The recorded information actually says that my monthly payment that would have been on XXXX XXXX, 2016 had I not paid this debt off, is due. WHAT?! Additionally, they can not tell me anything about my impound account which should have had over {$3600.00} for a property tax payment due on XXXX XXXX, 2016. They can not tell me anything - if the tax has been paid or if it is being refunded to me. Basically, for over 14 days, they continue to hold my money while they earn on it, no doubt, and using the excuse of a " system upgrade '' can not give me any information or refund me my own money?!! How much longer will they be allowed to hold other people 's money and provide NO information about customer 's accounts? My account number is XXXX
In XX/XX/XXXX Nissan offered to extend my contract and move my payments for XX/XX/XXXX and XX/XX/XXXX to the end of my contract. I agreed to the arrangement and made a payment of over {$1100.00}. Instead of marking my account as " paid as agreed '' for the month of XX/XX/XXXX as originally stipulated, Nissan has erroneously marked my payment for XX/XX/XXXX as late. This is negatively impacting my credit score and I need it fixed immediately. Additionally, Nissan has failed to report my last two payments in XX/XX/XXXX and XX/XX/XXXX which is also negatively impacting my credit score. Finally, Nissan is not reporting this account to XXXX which is also negatively affecting my credit score.
I had XXXX service many years ago, I had their service long enough to not be on a contract before we decided to discontinue service due to constant billing issues. When I checked my credit, I saw a company named, Convergent Outsourcing with a total amount of {$1200.00} with the original creditor XXXX. This is not only an incorrect billing issue, but it is TOTALLY erroneous and XXXX KNOWS it! they sold my account and applied false billing towards the account! I was NOT on a contract, nor did I owe a final balance as I was told when I canceled services several years ago. Convergent purchased this erroneous account and put this amount on my credit a while back and it was deleted from my credit. Convergent has put this debt back on my credit when it was already deleted. Please explain to me how this can happen? This needs to be taken off my credit NOW and NEVER allowed to be placed on my credit report again!!!!!!! you can not charge someone ETF when they are n't on a contract, NOR, should you be able to put a debt on someone 's credit report when it was disputed and deleted off someone 's credit in the past. Convergent Outsourcing should be fined and I should attain a monetary settlement at this point.
citi card offer me an upgrade card from gold to platinum and as promotional I can get a XXXX XXXX to the XXXX and XXXX bonus miles to my advantage XXXX XXXX card .. The requared was that I need to speend XXXX usd in the netxt 3 months .. I did spend XXXX in one month and paid in full .. I have been calling for the last 3 days about my miles and no answer about it ..they keep giving me no answers and keep me over the phone fo rmore that 10 minutes .. I spoek wiht XXXX on firday XXXX/XXXX/2016 XXXX request to speak to a manger and her answer was .. sorry there is no manager at this time ... can you imagine the band costumer seervice .. the offer me something and they dont want to give me that .. I need to know where are my XXXX miles
I recently pulled my credit report and noticed inaccurate tax liens on my credit report.On XXXX XXXX I sent a letter to Equifax regarding this matter. I stated that under the new law effective XXXX XXXX2017 any public record data must include name and address as well as SSN or DOB. I asked Equifax to please provide me with this information and they fail to do so I was not provided any documents supporting this incorrect information on my credit report
We rescinded a refinance loan with JP Morgan Chase Bank. Chase refuses to refund us our good faith fee for the appraisal. The money was pulled from my Chase Credit Card without my permission. I 've sent emails requesting a refund per the rescission guidelines but I am getting no responses.
This is an official complaint against State Bridge Company for threatening me with foreclosure action without providing me with requests for full disclosure, validation of debt and opportunity to be considered for a loan modification or a principal reduction.. State Bridge Company has failed to answer my specific questions pertaining to the mortgage transaction. In addition, State Bridge and home Inspection Company has interfered with my contractors by unlawful entry and missing construction equipment. 

Rather than truly discussing options, especially a principal reduction that would be conducive to my current income and financial circumstances, this servicer appears to be only and solely interested in foreclosing against my property on XX/XX/2016, Rather than allowing me to retain the mitigation services of XXXX XXXX XXXX, State Bride Company chooses foreclosure as an ultimate remedy ... 

Even with the recent assignment from XXXX XXXX XXXX, XXXX to a State Bridge Company, there has been no effective follow-up on any of the issues or specific questions addressed in several attached communications. Moreover, this servicer has failed to disclose a valid Power of Attorney to perfect any foreclosure action on the property. Throughout my correspondence experience with State Bridge Company, this servicer responds in vague, fictitious, misleading and deceptive language. Furthermore, State Bridge Company has failed to direct me to a specific person of contact in order to resolve any mortgage issues.
I called the company to do an investigation regarding ( Late Payments ) that were made. They were sent proof in the form of bank Statements and Letters from the bank. 


XXXX XXXX XXXX and XXXX XXXX are Inquiries that were not authorized
A company called XXXX XXXX XXXX has called my mobile number listed above XXXX times since XX/XX/XXXX. When they called today I called back once no one would say anything when I answered. The representative stated that this was an attempt to collect a debt etc. I asked her what who was the company that she was calling for and she stated XXXX XXXX for XXXX XXXX. She said that I owed a {$30.00} service fee for a returned check fee for a check that was presented in XX/XX/XXXX. She stated that the principle amount was paid but the service fee was n't paid by my bank when the check was resubmitted. I explained that I had already addressed this last year with XXXX directly and since I was XXXX and the check was paid once they resubmitted it to my bank, they would wave the service fee. I asked her for the contact information for her agency to send a letter that I am protected under the Fair Debt Collection Practices Act 15 U.S.C. section 1692 ( c ) so that they would quit contacting me, she refused. She stated that the Fair Debt Collection Practices Act did not apply in this case and refused to give me the address to the collection agency. She stated that I can address it once she sent me the bill for this collection and she hung up on me. She was very threatening, rude and unprofessional once I stated that I had addressed this last year and what my rights were under the above stated Act.
I had Filed for chapter XXXX XX/XX/XXXX and was discharged XX/XX/XXXX. I had been disputing items on my credit report about things that was not correct and every time I dispute it something else is wrong. now this time it is saying that the accounts are charge offs after I filed for bankruptcy. I do n't think they should be reporting charge offs on accounts that were closed with a bankruptcy because they were sold off after I had filed. and if they were charged off and sold it should state that the date before I had filed. I t also says debt included in chapter XXXX on XX/XX/XXXX it was not included in XXXX it was included in XX/XX/XXXX with all my bills I handed over and it should also state by consumer 's request not XXXX request.
I began receiving call on XXXX XXXX from this company. I do not answer calls I do n't recognize or know. No one ever left a message. They were calling 3-4 times daily through the week. Then I got 2 messages left on my voicemail by a woman who did n't leave her name but said " ( stated my name ), I need you to call me back, I need to talk to you. '' And she left a phone number XXXX XXXX. I never did call back. I keep receiving these calls from this same number along with another number listed for this company, Prince Parker and Associates. It 's a XXXX area code. I 've had the same message left by a woman also. I XXXX the numbers and found it was the above mentioned company. I will not call them back simply because they are not leaving messages stating who they are, why they 're call and they 're calling me 3-4 times daily from XXXX.