WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Financial Services Manager,  XXXX XXXX : I am writing this letter in extreme frustration. This comes from the continuous and ongoing requests I have made to receive my credit balance on my PayPal Mastercard. I made two transactions in XX/XX/XXXX towards my overall balance, resulting in a credit balance of {$250.00}. On XX/XX/XXXX, I made my first request to receive my money via a telephone call. I was told it would take 5-7 days to issue. My second contact was on. XX/XX/XXXX via your chat option on the website. I did a screenshot of the entire conversation for documentation. I was told that the check had been issued on  XX/XX/XXXX and that it would have to go through a cancellation and then a new one would be issued. Again, nothing happened. My third and last request to receive my money was on XX/XX/XXXX via telephone call to a supervisor named XXXX. She assured me that nothing had been done from my last request and that she would take care of it. She said that the cancellation would take the remainder of that week and the new check would be sent out the following week ( that would be the week of XX/XX/XXXX ). Two weeks, fourteen days, have passed since that last request. 

If this {$250.00} was an amount I owed and I didnt make my payment for two monthly cycles I would owe compounded interest and penalty fees amounting to at least an additional {$120.00}. My next step is to take legal action which will then result in additional compensation for all of my time, my legal fees, and compounded interest and penalty fees. I also will be filing with the XXXX XXXX XXXX and posting to media wildly to warn other customers of your extremely bad consumer practices. 

As you can tell I am extremely frustrated. I dont care if this was {$1.00}, it is MY MONEY and you are REFUSING to REFUND MY MONEY. I am, for the last time, making an official request for you to REFUND MY MONEY!!!!
Regarding the Discover Card Cash Advance Balance left over from the XXXX XXXX Statement, Per the Credit Card Accountability, Responsibility and Disclosure Act from XX/XX/XXXX, Any excess amount which is considered the difference from the minimum payment must be applied to the balance with the highest interest rate. 

I have recently contacted Discover over the discrepancy of the Cash Advance Credit Line Balance. They claim that I have - {$240.00} which would put my Cash Advance Credit Line Balance at {$4300.00}. I made a payment on XXXX XXXX, XXXX in the amount of {$750.00}. The minimum payment due was {$170.00}. This {$170.00} should have been applied to the Purchases Balance. The Purchases APR is 23.24 % while the Cash Advance APR is 25.24 %. 

Since speaking with XXXX different representatives from Discover, XXXX of them have come to the same calculations I was getting, while the XXXX stated that on some occasions, the portion of the payment that is supposed to go to the higher APR Line does n't always happen. This raises some red flags due to the fact that this impacts the Interest Calculations. The idea is that in general Accounting, both business parties ( Company & Consumer ) should be able to get matching figures on both Interest and Balances. Discover does not release what portion of your total payments go to Purchases or Cash Advances on the Statements released at the end of each cycle. This leaves a hole in the mathematical adjustments because not knowing what portions go to what Lines, the balances are impacted which in turn impacts the total Interest at the end of the cycle, due to there being XXXX different rates for each Line. 

The balances would have been as follows following the XXXX XXXX Statement for each Line : Purchases Balance carried over to the XXXX of XXXX ( includes Interest ) : {$4900.00} XXXX XXXX XXXX carried over to XX/XX/XXXX ( includes Fees and Interest ) : {$3800.00} Transactions from XX/XX/XXXX on : XX/XX/XXXX {$4.00} XXXX XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX - {$750.00} Payment ( minimum was {$170.00} ) ( {$170.00} goes to Purchases, {$570.00} to Cash Advances ) XX/XX/XXXX - {$5.00} Cashback Bonus Redemption ( Payment ) XX/XX/XXXX {$13.00} Cash Advance Fee XX/XX/XXXX {$150.00} XXXX XX/XX/XXXX {$500.00} Cash Advances/XXXX XX/XX/XXXX {$25.00} Cash Advance Fee XX/XX/XXXX {$100.00} XXXX XX/XX/XXXX {$120.00} Cash Advances/XXXX XXXX XX/XX/XXXX {$10.00} Cash Advance Fee All Cash Advance Transactions end at XX/XX/XXXX The total of all of these Cash Advance Transactions from XX/XX/XXXX to XX/XX/XXXX equal : {$920.00} The Payment Balance for Cash Advances subtracted from the Cash Advance Total above equals : {$920.00} - {$580.00} = {$340.00} Prior Cash Advance Balance ( {$3800.00} ) + New Cash Advance Transactions ( {$340.00} ) equals : {$4100.00} The Cash Advance Credit Line phases out at {$4100.00} ( Maximum allowed ) My available Cash Advance Credit Line should be - {$65.00}, not - {$240.00}
There's 3 accounts on my report inwhich are not mines, nor do I know who added me to them. Please remove these accounts. 1 ) XXXX XXXX XXXX, ( 2 ) XXXX, ( 3 ) XXXX XXXX
On XX/XX/2018, I made a {$220000.00} payoff on our mortgage. The XX/XX/XXXX regular payment had already been made with interest paid through XX/XX/18. Instead of charging me interest for 8 days in XXXX, the mortgage company charged me interest through XX/XX/XXXX even though they had the funds. The interest on the {$220000.00} balance@ 3.75 % should have been {$180.00}. They charged us {$710.00}, or {$520.00} excess. They deny any wrong doing and/or mistakes were made and caused the payoff process to be delayed by over 30 days at which time they snagged us for additional funds with which to pay the real estate taxes 20 days prior to the due date. If this is their standard procedure, they are bilking the general public by millions of dollars annually. According to them, I failed to get a " formal '' payoff quote prior to remitting the payoff funds. Copies of all correspondence with them and payment records are enclosed.
Equifax leaked my SSN and did n't even send me an email to notify me. I get that security breaches happen but I could have protected myself long before now if they had the decency to notify their customers. Seems to me like they were trying to sweep it under the rug.
I have sent numerous letters to XXXX, Equifax, and XXXX to delete a account ( XXXX XXXX acct number XXXX ) that does not belong to me. I told them to verify it and also to request signatures and to tell me the person they spoke to, they cant verify it because this account does not belong to me. They would never give me any information, just say verified, I would like this account deleted. I sent out 3 letters to all credit agencys in the last 3 months starting in XXXX XXXX, and still have not got a answers. Just sent out 4the letter stating I will sue if its not removed off my report
Capital one sent me an approved offer and opened the card but i did not like the car because of the credit limit. I tried to cancel it but their rep told me its a good card to have as it is related XXXX and u will get discounts. I hardly used it. One time i did not get their bill so i called them i found out i was one day late. i was upset as i m never late in payments. so i made the payment and told the rep to close it. what i found was for that one day late payment they reported my account as delinquent.. and since then i m regularly being denied credit. so i looked at my credit report and it was all clean except capital one all paid and closed but one day late. i talked to XXXX and they say it will remain in my file for 7 years. this is radiculous and destrou ying my credit rating and i m not able to get any loan despit a good credit.
I was called while I was working as XXXX and harassed as well as threatened while I was XXXX. i advised the collections agency that i would call back and he asked question after question and making statements that he would place my account on status with the XXXX credit bureaus. i advised him that they were a third party agency and that i have not signed agreed or entered into a contract with them. he asked for information and i gave it to him in an effort to verify no affiliation with the company. the company stated that i agreed to some form of agreement which i continuously advised them not to contact me and that i do not have any verbal or written agreement with them.
From XXXX 2015 to the present, I have been contacted, repeatedly, by " XXXX XXXX '' to collect on a debt that was previously paid to another debt collection agency. After reading BBB reviews and online complaints, DRS has engaged in multiple violations of the FDCPA and FCRA, XXXX. This debt collection agency is operating via extortion and fraud and identity theft. In addition, DRS continues to collect on past statutes of limitations, and in some cases, " phantom debts. '' And, after XXXX complaints in the last 3 months, I would hope that the CFPB took notice and opened an investigation.
I checked my credit report and found my account with Lincoln Technical Institute was charged off as a bad debt, profit loss or write off. The account is listed as being closed and in collections as a charge off. I spoke wit a representative at Lincoln Technical Institute ( XXXX ) XXXX and in their system it shows the account as being up to date. Payments have been made monthly and on time since XX/XX/2011 as an automatic withdraw from my account. The representative could not find any information in their system that says I'm not in good standings with my account.
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on BOTH my XXXX  nad Transuion credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have those Hard Inquiry 's removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from XXXX   and Transuion but allowed it to stay to intentionally hurt my credit score. 

I contacted both XXXX and Transuion on XX/XX/2018 and was told XXXX never contacted them.
My name is XXXX XXXX and I initiated an international money transfer through Paypal on XX/XX/XXXX with transaction ID XXXX. 

I requested to pay XXXX {$2000.00} to my recipient in XXXX through my XXXX XXXX credit card. I checked to make sure that the " they receive '' amount is XXXX {$2000.00}, and I checked with XXXX XXXX XXXX to make sure the exact equivalent USD amount I was going to be charged. XXXX told me the currency conversion will be done through them, not Paypal, and that I shall NOT see any FX transaction fee. I then initiated the transfer, before which I MADE SURE THAT NO ADDITIONAL CHARGE ( EITHER MY OR RECIPIENT 'S SIDE ) WAS REVEALED TO ME. 

However after my recipient received the payment, she was charged XXXX {$74.00} fee which was totally unexpected. I checked my XXXX account and made sure that the actual amount that I was charged matched the amount that I was told by XXXX earlier. I then called Paypal to check what's going on and their agent told me 2 things : 1. It's an international transfer so they charged the current conversion fee. I denied that immediately saying that I paid with XXXX XXXX so I was actually charged XXXX {$2000.00} with my card and the FX conversion was later done by XXXX, NOT Paypal. They had no right to charged the so-called " current conversion fee ''. 

2. After the first point, the agent came up with some other theory saying that it's an international transfer so someone has to pay for the fee. I told her that I was neither informed of any existence of any hidden fees nor was I presented with any fee schedule, on my Paypal transfer page. The only thing that I saw was an unexpected charge, and I don't think this conforms to CFPB rules. The agent refused to honor or comment on any of the points that I mentioned, but just kept saying someone will have to pay and then cut me off.
We froze our credit due to someone filing a fraudulent tax return under our name. During the process Equifax never gave us a pin to unfreeze. We are currently trying to get a mortgage to purchase a new house. The bank needs to pull credit and they can not from Equifax. We have tried to call Equifax numerous times and our calls get routed thorough a robot answering system and we get hung up on. There is no way to reach a live individual. 

Per there website, Equifax states to reset a pin you must mail copies of your drivers license, a check, and a letter stating that you want to unfreeze your credit and receive a new pin. We have done all of this more than 10 days ago. We have not received a response, they have not cashed our checks, there is no one to call to check on this. 

We are getting desperate. We have sold our current house, we need to obtain a mortgage on the new house or we are in big trouble, i.e homeless.
XXXX XXXX XXXX is reporting on my credit reports that I owe them {$210.00} for an old bill from XXXX. The issue is that they refuse to verify that this account is mine / valid ALSO multiple collection agencies purchased this account and have put it on the credit reports of multiple people ( roommates ) who lived in the household ( four ). AND I've had another cell phone account for the last 15 years never had XXXX so?? Isn't it against the law for a collection agency to try to collect the same amount of money from multiple people and not provide any valid information showing the person who the account originally belongs to. 

I personally disputed this information with the credit agencies because I needed to see exactly who it belonged to since it's being reported on different household member 's report. They reported it as valid so I sent a letter asking how they validated it to provide information so that I can see who the account belonged to and so far they continue to refuse. 

This has been on my report for 3 years and has ruined my credit making the apr go up for any loans i've tried to apply for and in some cases keeping me from getting loans. 

I don't understand how a company will not show proof what the collection is and whom it belongs can continue to report this as valid. 

I'm currently considering my next moves but have reported it to multiple agencies and will send an email to the FTC and my local govt agency to report their unfair collection practices
I paid off a LOC balance with BB & T XX/XX/2016. However, the bank made a serious error in calculating the correct payoff and did not close the LOC account as instructed. That triggered a series of issues with my checking account ; additional interest ; late fees ; harassing phone calls from various BB & T employees ; NSF fees ; and countless hours on my part to clear up the issue including writing a formal complaint to Chairman and CEO XXXX XXXX. BB & T admitted the errors in writing ( XXXX XXXX Complaint Resolution Group -XX/XX/2016 ). They also assured me in writing there would be no derogatory marks submitted to the credit agencies. Last week, I noticed my XXXX score went from XXXX to XXXX with the only credit factor being BB & T reporting a negative Payment History XX/XX/2016 on my LOC that was supposed to be closed! When I contacted BB & T 's complaint resolution group they admitted -in writing -that the initial resolution was not done properly and XXXX quote XXXX " ... we failed to update coding on our system to state the XX/XX/2016 bill was satisfied and to close the loan. '' They admitted to submitting a bad file to XXXX and then said it would take up to 60 days to correct my credit score. I asked them to escalate the resolution with XXXX and this was their response : " I spoke to our Credit Dispute department who is submitting the request to XXXX as bank error today. Again, as we have no control over when XXXX will do their processing, I recommend you contact them beginning tomorrow. XXXX can be reached at XXXX. '' They made XXXX significant mistakes ( XX/XX/XXXX and XX/XX/XXXX ) and then said I had to get personally involved to resolve the problem with the credit bureau that their company created. This is horrible customer service and a totally unacceptable response from my perspective. BB & T 's errors and lack of adequate Quality Assurance/Quality Control ( QA/QC ) processes to prevent such errors has caused severe personal harm to me since I 'm currently looking for a new home and plan to apply for a mortgage. I would expect a senior level XXXX at BB & T would work directly with XXXX ( and any other credit agency who might receive the bad file ) to resolve the error faster than 60 days. My complaint : BB & T has damaged my credit score ; admitted they made numerous mistakes ; and then told me it 's my problem -- not theirs. Their errors and mistakes have placed me in a position where I will need to stop my search for a new home because of a low credit score. That is simply wrong.
I am working on getting a home loan, within the last few days before closing ( XX/XX/XXXX ), The underwriter did a soft pull of my credit ( FHA loan ), I was named as an authorized user of a Capital One credit card that I never personally authorized. The account holder defaulted on the account and as an authorized user ( of a card that I was never aware of ) had the closing of my home loan stopped in it's tracts. My loan agent advised me to have the credit card company remove me from the account so that they can re-score my credit. 
Capital one has removed me from the account however, in order for my re-score to take place, I've been asked to have a letter from Capital One to state " I have been removed from the account as an authorized user and this account is to be deleted and removed from all three bureaus and my credit report. After several phone calls ( XX/XX/XXXX ) Capital One wrote me a letter ( dated XX/XX/XXXX ) ( received XX/XX/XXXX ) stating that they have deleted me as an authorized user from the credit bureau report. I sent this over to my loan processor ( XX/XX/XXXX XXXX XXXX XXXX ) and received an email on XX/XX/XXXX from my loan processor that XXXX XXXX has informed them that the credit bureaus are not accepting the letter provided by Capital One. Capital One will not re-word the letter that they are looking for and XXXX XXXX won't accept the letter without their specific wording.
I just received notification today, XX/XX/XXXX, from XXXX   that XXXX pulled my credit file ( FRAUDULENTLY ). This is the second time in the past 5 months this has happened. On XX/XX/XXXX XXXX FRAUDULENTLY allowed my credit to be pulled. I have attached a previous CFPB complaint with XXXX and a letter from XXXX verifying it was fraudulent. I have attached my complaint letter directly to XXXX telling them it was fraudulent as well, and to NOT extend credit in my name without verifying my identity. After this happened I filed with the FTC as a victim of identity theft ( see attached ). There is also Fraud Victim alerts placed on all my credit files with the 3 major credit bureaus stating to contact me at my phone number to verify my identity ( see attached ). XXXX did NOT do this and pulled my credit file with out my permission or consent again. These inquires are ILLEGAL. Remove the fraudulent inquiry from my file immediately or I will file suit. I already have a consumer protection attorney, who I will be contacting immediately regarding this issue, due to previous identity theft.
I had requested a credit card with XXXX. XXXX approved the request and issued a credit card. When I saw my credit report information there were XXXX inquiries from XXXX. I contacted the Bank and asked why they had XXXX inquiries on my report and asked they remove them. Instead of removing the excess number of inquiries, I checked my report and they had reported that ( had reported the credit card as lost or stolen. I informed them that I had not reported the card lost or stolen, but that I wanted to close the account completely. They then caused there to be a second report of a lost or stolen credit card. I advised them that this was untrue and to correct the problem. They did not correct the problem, but did cancel my account, as I did request. NOW I have several inquiries and XXXX reports of lost or stolen credit card. This has caused my credit score to plummet from XXXX to XXXX points. I want the entire matter cleared from my credit reports and XXXX is not responding to my communications. Please help. I am very stressed that my credit score has been changed from XXXX to XXXX points and want to correct the matter so that my credit report is not impacted. When I asked them to close the account, they replied " then your credit score will decrease further '', as if they were threatening me. I asked it be closed anyway, as I did not consider them fair or helpful. Now I have a terrible credit score, all because they fraudently reported that the card had been lost or stolen. I never reported that. I had received the card and it has always remained in my possession. Can you help me get them to undo the damage they have caused? 

Please help me. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXXXXXX
An account reporting as a collection and open is reflecting on all three major credit reporting agencies with a balance of {$840.00} as of XXXX2017. This account did not derive from a consumer credit transaction, contract, or agreement and should not be listed on my credit report as a collection. I have not received any communication on such said overpayment. Per the Attorney General is upward of 31 states including my State Indiana, debts that do no derive from consumer credit transactions should not be reported to CRA ( credit reporting agencies ). XXXX Equifax, & XXXX are all three violating my rights by reporting these transactions. In addition the contact phone number for this account that is reflected on my report is a non working XXXX number XXXX that does not provide any further contact number to reach the listed account information provider ( Dept of Veteran Affairs )
I disputed inaccurate information on my credit report with XXXX. XXXX responded and claimed they had investigated the information and verified the information was accurate? They advised me to contact the reporting company directly, which I did. The company in question is XXXX XXXX XXXX. I spoke with billing department supervisor XXXX XXXX on XXXX/XXXX/XXXX, and was advised that they have NO record of EVER speaking to anyone at XXXX regarding my account. Furthermore after reviewing my account the supervisor advised me the amount owe is not what the three major credit reporting companies are reporting. I asked for documentation to show them that they are reporting false information and the supervisor walked me through on how to get my statement online, ( I will be attaching that with this complaint ). XXXX never investigated so it 's clear they are willfully reporting false information on my report. XXXX claims I have a balance with XXXX for {$11000.00}. My account statement will show that 's incorrect.
Santander has charged me XXXX every month to pay my truck loan with my debit card for 2 years and 6 months. Now they are indicating that it is only XXXX. I want the difference between XXXX and XXXX for 30 payments put on the principle of my loan.