WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a customer of Best Buy for at least 20 years and still have a Best Buy Credit Card in my name only in my possession. Around XX/XX/XXXX I helped my daughter, XXXX, then a XXXX Student at the University XXXX, purchase a XXXX Laptop. In order to help her establish credit, Best Buy initiated a Joint Credit Account. I paid {$250.00} down and the Account was established in her name, with her Statements sent to her Mother 's ( my ex-wife ) address in XXXX, Texas. She paid this off in a timely manner. 
Fast forward to XX/XX/XXXX when I decided to buy myself an XXXX Present ( HP Laptop for around {$450.00} ). Best Buy was regularly sending me emails stating I had Best Buy Rewards of {$30.00} I could use if I purchased a Product from them. I believe the condition was I could not use this Discount unless I put it on credit, so I did so even though I can provide proof that I had approximately {$4500.00} in my Bank Account at that time. 
Herein lies the problem. At the checkout in XXXX XXXX, Texas, I furnished my info, Driver 's License, email, phone number, etc., after stating I had an Individual Account ( I did not have my Best Buy Credit Card on hand at that time ). My daughter was in XXXX, Texas, was not mentioned, consequently, I had no idea that she would be involved in this transaction in any way whatsoever. 
I went about my business and enjoyed the Holidays. Sometime in XX/XX/XXXX, I found out that my ex had gotten mail for my Daughter from Best Buy ( they lived XXXX miles from each other ). My Daughter told her it must be Junk Mail because she had not had any dealings with them. Consequently, I have the email and picture of the Credit Card Bill from my Daughter on XXXX/XXXX/XXXX which states " Sorry, I wished I 'd opened it sooner ". Shortly after I contacted the Credit Card Account, described what happened, got them to write off the Late Charge Penalty and paid the Amount in Full. The Rep read back my explanation to me and agreed to include this in my file. 
Happy Ending? Not quite. This is the only serious negative on my Credit Report and I believe I would have an XXXX Score without it and has been detrimental to my finances. What makes me feel terrible is that my Daughter ( XXXX ) and is buying a House has this on her Credit Report and has cost her also while she had absolutely nothing to do with the transaction. 
Finally, during this time Best Buy was sending me emails describing their products and that I was eligible for additional Rewards! I believe if you will look at my situation you will feel as I do, that if Best Buy had correctly billed me as I had intended this would never had been an issue and affected my Daughter and I so negatively.
Today my wife and I decided that we wanted to attempt to receive a HELOC or HELOAN through our 1st lien mortgage company, quicken loans. Upon arriving at this decision, we went to the website and clicked on the chat option. XXXX XXXX was the mortgage loan officer who assisted. At the beginning of our conversation he asked " What needs do you have and how can I can help? '' I answered, " I'm looking to get either a heloc or heloan for 15-17k to consolidate " X '' amount of credit cards. '' He say 's okay, I can help with this. After telling him what the goal was and how I'd had a previous conversation with Quicken, he requested information to run my credit ( all the while knowing i was specific in stating I wanted a HELOC or a HELOAN. After he pulls my credit he informs me, we can't/do n't provide HELOC 's NOR HELOANS at Quicken. This is repulsive. I demand that this inquiry be removed from my credit because of his unethical conduct. I'm development officer for a bank and if I or one of my employees did this to a client, they'd be immediately dismissed and so would I because it's an unethical practice. I CLEARLY identified my need. If he knew he couldn't provide that then proper thing to do would've been to state " XXXX XXXX, I know you said you're interested in receiving a HELOC/HELOAN. We do however have another option. We can do a cash out refi which is xxxxxxxxxxxx '' I would've kindly thanked him for his time and moved on as I'm not interested in losing the low 3.99 % APR on my first mortgage to refi at a 4.75 or ANYTHING higher than where I'm at now with additional closing costs and origination fees. The behavior is absolutely unacceptable and is the primary reason our industry has such a skewed perception and vision of how do business. I want the inquiry REMOVED from my credit report immediately.
We have repeatedly received letters in the mail from Forthright Funding, trying to get us to re-finance our VA home loan. We know it is most likely a scam, and too good to be true, plus our current rate is already lower than what they are offering anyways. I have requested multiple times to be removed from mailing lists and they just hang up the phone on me. I have also filed a complaint with the BBB and they still send us mail. 

Reference Number : XXXX This needs to stop, and veterans need to stop being targeted. It 's disgusting and embarrassing. 

Integrity, respect, service are their motto, but they are trying to rob veterans.
In XXXX XXXX, my then husband and I refinanced our home and Everbank was the second mortgage interest only loan. After we divorced, I kept the home but due to illness and other circumstances I experienced financial hardship and fell behind on my first mortgage. In XXXX, I received a XXXX but only on my 1st mortgage. Last year, I got behind on the Everhome mortgage and a representative called me to set up a modification. She offered me a payment of {$320.00} a month. I told her I could n't afford it and then she offered a payment of {$230.00} a month with zero interest for 5 years. I completed the paperwork, emailed it back, and started making my payments in XXXX XXXX. The issues : Everbank is reporting this account to the credit bureaus as a closed delinquent account which is having a negative effect on my credit. Also, Everbank is not reporting my on time payments to the credit bureaus. I called Everbank to have them correct these issues. I was told by a representative that Everbank will not change this to an open account on my credit report and that Everbank does not report monthly payments to the credit bureaus once they have closed accounts because it is better for me. Because if they do it will make the delinquent information remain on my account for 10 years longer. Also, I do not receive monthly statements from Everbank. I was told by the Everbank representative that it is their policy to not send monthly statements to those whose accounts have been closed. However, I was informed that I can go online and log in to see my balance.
On XXXX XXXX, 2015 I sold a large dog cage on Ebay for {$100.00}. The buyer was n't satisfied and so I attempted to refund his money. Something was wrong with my PayPal account, so I had to do it as a separate transaction. The amount was refunded on XXXX XXXX, and Ebay was informed of this. On XXXX XXXX, Ebay debited {$100.00} from my bank account stating that it was to refund the buyer who had not closed the dispute. I disputed this claim with Paypal, and without asking for evidence, they arbitrarily found that the transaction was correct. Ebay does not have an easy way to contact customer service in writing, and what I have written to Ebay has gone unanswered.
Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX USA SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : DRIVERS_LICENSE_US ID Expire Date : XX/XX/XXXX Email Addresses : XXXX Return Transactions Tran Type Check Check Balance Information : Month/Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX Account Number XXXX XXXX Balance {$0.00} {$0.00} {$1000.00} Check Number Amount Return Reason Account Closed Account Closed where is my retuned check?
I notified my mortgage lender that the State of XXXX was going to pay taxes because I am XXXX back in XX/XX/XXXX in writing per RESPA rules regarding correspondence and the lender did not answer with in XXXX days. I asked the lender to answer and to remove the taxes from my payment this request was made threw correspondence and over XXXX phone calls, including XXXX of XXXX approval letter XXXX that were sent to the mortgage company telling them the mortgage taxes would be paid for XX/XX/XXXX and XX/XX/XXXX. I asked that the impound account be removed and it was denied with no letter they told me when I called in because my loan is fha. I asked for the XXXX in escrow since the taxes are paid for XX/XX/XXXX and XX/XX/XXXX by the state and they gave me a hard time and several times told me they do n't care about only XXXX months cushion or RESPA that they have there own rules. It now XX/XX/XXXX and they told me they mailed me a check XX/XX/XXXX 16 days ago. 
I did not receive a check and they told me there keeping XXXX for cushion. I have never been late and own XXXX percent of my house. They are holding more than XXXX cushions in violation of RESPA and I never received a check. They told me there billing me monthly for XXXX which includes taxes for XXXX x XXXX = XXXX which is more than XXXX cushions as the taxes have been paid for XX/XX/XXXX and XX/XX/XXXX. They told me they did n't care because they rules trump RESPA. Although I have told them I elect to have the state XXXX program for homeowners pay the taxes for 2 years so there is no need to include the taxes they want to hold the extra cash to the tune of XXXX and they have n't paid me interest. XX/XX/XXXX taxes are paid and I sent the proof so if the taxes are paid why would the lender collect the money on paid taxes? That they have proof of. Its predatory lending on the XXXX. 
Where my interest on the escrow balance? The state gets the tax bill not them. 
I wrote and told them everything per RESPA no letter addressed any of it from XXXX aka loan depot. Please help me I am XXXX. I have become sicker and the phone for hours for 4 months XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX.
I made a complaint against this company with you on XX/XX/2018. Finally received a response in XX/XX/2018. Alliance stated : we have been authorized to present the attached settlement proposal. Upon receipt of the payoff funds, the Claim of Lien will be satisfied and the account will be closed with Alliance, per standard operating procedure. The balance they were requesting was {$650.00}, I responded to them to let them know I was agreeing to this payment. I also asked to make three installments as we are a family below poverty level. I received a response back stating I now owe {$750.00}. This was within a few days of the settlement. They are trying to extort additional funds I do not have the means to pay. I want this settled once and for all and that is the reason I will agree to pay only the amount of {$650.00}. They are using stall tactics in responding to me and then charging collection fees. There should not be any collection fees when the company does not validate the initial debt due. They never provided a final payoff as requested back in XX/XX/2018. I go to pay the agreed settlement amount and they want more.They are also making false statements as the lien has never been recorded with the county. I just want this done with and will pay the {$650.00}. I do have consumer rights and they are being abused by Alliance CAS. Please resolve as they have proposed with the initial settlement of  XXXX.
I have requested a signed legal document between myself and the said lender collection agency, Collins Asset Group, this is my second attempt requesting a contract to validate my signature and agreement with the collection agency, as they continue to send ask me for my personal information to follow through with their investigation, they also forwarded me documents from the said lender, but not their agency. At this time I am requesting to file a cease and dismiss of collection from the said agency as they have failed to provide supporting documents by and between their agency and myself.

1st contact dated : XX/XX/XXXX 2nd contact dated : XX/XX/XXXX collection amount {$8100.00}, opened XX/XX/XXXX without my agreement nor signature. Collins Asset Group XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
On XXXX, I went to the local PNC branch to convert {$1000.00} XXXX to XXXX. This amounts to XXXX ( XXXX XXXX ). I was told 2 things, 1. It will take approximately 4 days for the XXXX ( XXXX XXXX ) to arrive at the local branch. 
2. If there was any leftover XXXX from my trip, I can always re-convert the left over XXXX back to XXXX. 
On XXXX, the XXXX Government banned the XXXX and XXXX. When I called my bank, they said that the XXXX are present at the bank but are in XXXX and XXXX denominations. I refused to except those XXXX denominations. I asked that they either convert the money back to XXXX, OR give me XXXX denominations that are acceptable ( i.e. XXXX ). I was told that their " Foreign Exchange Dept '' is no longer accepting the XXXX. 
I am now short {$1000.00}, and the XXXX is at the local branch. I will not accept this non-functional currency. There has to be some type of insurance for this. I chose to do the foreign exchange with PNC Bank because I felt a sense of assurance from such a large bank. 
The staff at the local branch are courteous, and are doing their best. The Bank Manager is working on this issue, and I hope it gets resolved soon.
I purchased a home in   XXXX   XXXX  . My school taxes for  XXXX  were not paid at closing but put into escrow to be paid in   XXXX   XXXX   by my mortgage company  franklin american mortgage company . However. eventhough the mortgage company had the money to pay the school taxes for  XXXX  they did not until they were reported late in   XXXX   XXXX  .  XXXX  county tax collector started sending letters to my home about unpaid  XXXX  school taxes. after numerous hours and calls to different reps at my mortgage co they assured me the taxes were paid in   XXXX    However, instead of my mortgage company sending them to  the county  they sent them to the local tax collector for my school district.  XXXX  confirmed she received the check from the mortgage company but is unable to accept back taxes and that she returned the check about  XXXX  to the mortgage company. The problem is now that i have a lein placed on my home by the county from the beginning of  XXXX  because they have never received the funds. i as the consumer have been helpless in this. no one at the mortgage company has helped nor frankly cared to expedite this knowing the urgency since my intial call in   XXXX   XXXX   XXXX  now i have a lein and derogartoty marks on my home which potentially effects my home owner standings, future loans, refis etc. This is unafir, unjust, and unwarranted. i need help legal help asap please! my voice has not been heard or validated by  franklin american  mrtg company and their incompetence has led to my terrible situation.
In 2017, I submitted a request to have my loan payment reduced. My payment before processing my income driven payment was {$300.00}. Once they completed my request they increased my payment to {$360.00}. The application clearly state in so many terms that if the change does not benefit me they would not change my payment. This is just an example of my experience dealing with Nelnet, they do not have the customer 's best interest at heart. 

When I tried calling back to discuss this with various people, I was told so many different answers, I do not trust them. I called so many times different dates last year. When I did speak with a supervisor, they could not justify why my payment was increased. I just found out how to file a complaint the reason for the delay. Nelnet need to be held accountable for their unfair business practices.
On XXXX XXXX, I went to my local Walmart XXXX run some errands. After finishing my grocery shopping, I went to the Walmart XXXX XXXX to purchase some money orders. After waiting in line, I was told by the XXXX on duty-XXXX, that the particular location at XXXX XXXX XXXX XXXX, XXXX, CA XXXX had adopted a policy to turn away XXXX people. When I asked him to clarify, he said the store management had identified XXXX as suspicious and told me to go to another grocery store. I believe that Walmart does not have any policies against people of a particular descent and felt that the XXXX was discriminated against.
I did mortgage re-financing with Bank of America ( BA ) in XX/XX/XXXX. 
The original agreement was that I would refinancing with {$0.00} closing cost but with interest rate slightly higher than the current market rate. BA did not stick to our original agreement. I was tricked into signing the loan, but at the end decided to pay it off completely ASAP. The new mortgage was paid off completely in XX/XX/XXXX. BA inappropriately withdrew money from my checking account at least on XXXX occasion. 
Originally the refinancing date was scheduled for XX/XX/XXXX. BA was very eager to do signing in XXXX. When I confronted them with the evidence that they where charging me extra origination fee, they lowered the closing fee, but unexpectedly moved the signing date to XX/XX/XXXX. The reason they said was I was supposed to receive appraisal report before signing. On the signing date in XXXX, I still did not have appraisal report from them. In fact it was not even mailed to me. At the same time XXXX withdrew {$1000.00} of previous mortgage payment, which they would not have done had we signed the refinancing in XXXX. As a result BA ended up charging me extra {$1000.00}. 
Multiple requests to explain what happened and return the money gave no results. 

In XX/XX/XXXX, the remaining principal balance on the mortgage was {$1200.00}, while the monthly payment was {$1200.00}. The accumulated interest form the month of XXXX was ~ {$4.00} ( 4.25 % annual interest on the loan ). Thus I was expected BA to withdraw {$1200.00} and close the loan account. Contrary to my expectation BA withdrew {$1200.00} and failed to provide any explanation of why that happened and when I will get the difference ( {$56.00} ) back.
When recently discovering that my personal information was compromised during the XXXX hack, I was trying to freeze my credit score to prevent any attacks on my personal credit rating. XXXX has offered a fee waiver on freezing my account as of this time, but other unions such as XXXX XXXX are charging to put this freeze into place. And I assume all three companies are going to charge anytime I will need to unfreeze to apply for any type of loan or credit. I find this unacceptable that these institutions are profiting off if consumers trying to protect the only thing that will let them buy a home, or a car, or even get a student loan. Currently, XXXX  XXXX is even hiding credit freeze information on their website in favor of advertising their own for profit credit monitoring services. So not only are hackers benefiting from getting my personal info, but the people in charge of it, whose negligence put me and millions of other US citizens at risk are profiting.
I submitted emailed to the companies, I disputed the inquiries the week of XX/XX/XXXX over the phone. I have not received a response from XXXX XXXX XXXX at all. The Credit Buteas responded Inquiries are factual record of file access. If you believe the This was unauthorized please contact the creditor. When I reached out to the creditors they advise me to contact the Credit Bureaus. This is running me into a circle. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The FCRA 623 and 611 state that any information can be disputed and must be investigated. I received a response from my call with the credit Bureas less that 8 days from the date of my dispute. One can only assume no investigation was completed. 

I also requested that an address be removed from my credit report on Equifax the same week the first week of XX/XX/XXXX. I have never lived there ever. I have lived in my home for almost 11 years. The representative advised she would remove the address. I viewed my XXXX XXXX report yesterday XX/XX/XXXX and the address was added back without them advising me. The address begins with XXXX. This is not Ans has never been my address. They added it back without my knowledge. I called today XX/XX/XXXX and a Reps was argumentative about the address and indicated shes open a dispute. My concerns is why was the address added back if it was invalid and when was I going to be notified. I have never lived there. 

This is causing undue stress as I plan to purchase a home later this year and this amount of inquiries would flag as a person having financial trouble. The incorrect address is concerning because its risking my personal information or mail being sent to someone elses home
I have been fighting ID THEFT for sometime now and have several fraud accounts reporting on my credit report. I have sent supporting documents showing this fraud. I have sent notarized documents as well as FTC complaint forms, the following accounts and info are fraud!! 
1.XXXX  XXXXXXXX  XXXX XXXX XXXX Account Number XXXX Date OpenedXXXX 2.XXXX  XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX Date Opened XX/XX/XXXX 3.XXXX  XXXX XXXX  Account NumberXXXX Date  OpenedXX/XX/XXXX 4.XXXX XXXX XXXX XXXX XXXX Account NumberXXXX Date OpenedXX/XX/XXXX 5XXXXInquired on XX/XX/XXXX 6.XXXX XXXXInquired on XX/XX/XXXX 7.XXXX XXXXInquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
I received a notice about a debt I supposedly owe to a company named TRANSWORLD SYSTEMS INC. XXXX XXXX XXXX, XXXX XXXX, XXXX , NY XXXX   XXXX. I believe that I do not owe the debt they are claiming that I owe. The letter they sent me is very vague and they are saying that I owe {$43.00} which is a very payable amount. I can't imagine that I or anyone would allow such a small bill to go to collections. That seems crazy to me. When I searched online for information about TRANSWORLD I saw some lawsuits and scam reports that have me highly skeptical and I wonder if this is really a phishing scheme for a group that is trying to steal my identity. Lastly, there are three different addresses on the letter for them. One listed above, one where I am supposed to send my payment TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX, DE XXXX and yet a different address for where this bill was supposedly sent from, also a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE.