WillisBack/dataset-financial-user-claim huggingface dataset:
My XXXX credit report shows an unauthorized credit inquiry from BB & T Financial Services on XX/XX/2016. I did not authorize this inquiry. During this time, I visited XXXX who assured me my credit file would only be viewed XXXX. However, this was not the case. I understand that my credit file should n't be accessed without my authorization. I contacted XXXX, but was unsuccessful obtaining a resolution. I have an extended fraud alert in place requesting I be contacted via phone for verification prior to accessing my credit file. This did not occur ; therefore, the removal of this inquiry is requested. In additional, I contacted each lender requesting removal, but my request was refused.
On XX/XX/XXXX, I purchased a XXXX XXXX gift card online in the amount of {$500.00}. 
I received the gift card on XX/XX/XXXX and it was n't active. I also received an email from XXXX XXXX XXXX stating once I receive my order, activate my card by clicking on the link provided in this email. I clicked on the link provided and it said : " Gift card has already been sent for activation ''. Despite numerous attempts in receiving assistance regarding this matter, my gift card still does not have the funds loaded onto it and {$500.00} has already been deducted from my credit card. As of XX/XX/XXXX, my card is still not active. Please help.
This complaint includes a file, which is the exact online chat transcript of my conversation with 2 Discover Card Representatives : first, XXXX, who was clearly showing signs of the usual great Discover Customer Service, but because of the nature of the problem, apparently XXXX had to call a Supervisor named XXXX, and there was where I found the bad customer service which is usually heard from other banks and companies since years ago. Simply, Discover reduced my credit limit from the original {$6000.00}, to {$5000.00}, just with an e-mail letter sent last XX/XX/XXXX, that I was not able to read until today, 10 days later, after my Discover  Card was rejected at a local ATM from the recognized Bank called XXXX, here at XXXX XXXX XXXX, in XXXX XXXX XXXX, very close to our home where this shopping mall is located, and this ATM was used without problems before. But, the same Discover Card Company, sent me just 4 weeks before, another e-mail approving half of my original credit line for credit card cash advances, so {$3500.00} was the new credit card cash advance limit, half of the credit line. Both e-mails are included as evidence, the one from XX/XX/XXXX, and the one from XX/XX/XXXX, which I was not able to read on time, and even in that case, that does not change the problem : My credit card with Discover was way within its credit card limit, before this problem which started just on XX/XX/XXXX. I was counting with this card for  emergencies, as any of you can read in the online chat transcript document I included, not provided by Discover or by XXXX, but is copy paste I made by my Son before closing the chat, because there was no offer this time for sending on an email the chat transcript, had to do it all by myself. Discover simply reduced my credit line by {$1000.00}, so 10 days was not enough to avoid been unfairly forced by this action to an over the limit balance problem I did not had. It was provoked by Discover by allowing this, and my next payment is about to be made just days from now, next Wednesday XX/XX/XXXX, the XX/XX/XXXX Wednesday of the month, because my income is from Social Security and this was clearly informed to Discover on a previous online chat just days ago. XXXX was completely out of what is expected from Discover, far from their excellent customer service, just saying I should have a good rest, and asking me to ask for an automatic credit line increase as if this was a regular credit line increase, when it is not : my credit line was reduced, and 10 days notice is not enough when you put an account in an over the limit situation the customer did n't had, the way I explained to this bad supervisor called XXXX. Please read the online chat transcript and see the 2 letters included for details.
I sent a certified letter to transunion disputing inaccurate information in regards to a public record. I have filed chapter XXXX and it has been discharged. I sent copies of the court information proving that the public record item for XXXX XXXX was included in the discharged bankruptcy. I get back a credit report showing the amount owed of XXXX. It is to my understanding under the FCRA rule no amount should be showing. I also disputed this online. I am filing a complaint for them refusing to fix this error.
i noticed on my credit report XXXX XXXX account number XXXX having incomplete and inaccuracies. i have tried to dispute this item and it still remains. now i have proof the no real fair and thorough investigation took place. i never received proof of this investigation they claim its been verified but have yet to send my any documentation on how and why it remains. first off XXXX doesn't even have an account number listed on this account and the open date is incomplete its XX/XX/2016 not XX/XX/2016. the same company reports to all three bureaus so they should all reflect the same information. if not how would anyone know that the account is accurate? it is also missing payment history and payment history is not the same across all three bureaus. incomplete and inaccurate accounts must be deleted per the FCRA and FDPCA. it shows on original amount of XXXX and a current balance of XXXX but no payment history ever. how can that be if there was no payment? and if there was a payment then it is not listed which is incomplete. either way incomplete or inaccurate.
After purchasing the morgage, I filed for divorce in  XXXX . In  XXXX  of  XXXX , the finalized court papers stated that the husband was to be reliable for the property and that the wifes name was to be removed in  XXXX . The husband then turned in the court papers to   XXXX   XXXX   XXXX    w here the account originated from and the wife signed a quick claim deed. Every since then, i have had all non payments on my credit report since causing myself to not get approved for anything. Its been 8 years! I called a couple months ago and was told that i would need to take it up with the court and hire an attorney to get it off my credit. All documents were turned in and verified on the phone that they received them.
Dear Sir/Madam : Please be formally informed that neither the US Department of Education not the American Student Assistance has sent me any information about being in default or late on payments. I have never obtained a letter from the latter stating that they currently represent the debt nor a phone call discussing the matter. I have never been given due process to dispute the debt or discuss any solutions with the organization.

I ONLY obtained notice from my part time employer that the funds were being withheld as of the next pay period.

Furthermore, the amount attempting to be collected at 15 % is egregious and will result in major hardship to me. I need to have this matter resolved immediately and I thank you in advance for your help.
I had a modification for my home and because I made a partial. Payment in XXXX after paying four months, Ditech cancelled the modification and advised me to try for full document modification which took 7 months to get all The paperwork in. I got a letter denying the modification and I am very behind and I am expected to pay an extremely large payment.
XX/XX/XXXX Equifax received a fax from from 29 pages long which pertained to Identity Theft. I faxed over my police report, identity theft affidavit, proof of identity, list of accounts to be blocked due to identity theft, and a copy of 605 b rule. They did not block accounts in 4days they just disputed the items XXXX and XXXX  blocked the items from my credit profile
Collection company still not corrected credit report for debt no longer owed to XXXX XXXX XXXX for an unforeseen life threatening medical issue I had.
I divorced my husband, XXXX XXXX XXXX, on XX/XX/XXXX. We had a joint mortgage together with XXXX XXXX opened since XX/XX/XXXX. The account number for the mortgage was # XXXX. Under the divorce decree, it was ordered that my ex husband would continue to reside in the home and would be solely responsible for paying the mortgage in a timely fashion, among other things. We separated in XX/XX/XXXX and I have not lived with him at the property ever since, but the divorce was not made official until XX/XX/XXXX. In the months after the divorce, it seems he fell behind on payments to the mortgage starting in XXXX to XX/XX/XXXX. This unfortunately led to late payment remarks to be reported to my credit for XXXX, XXXX, XXXX and XXXX. These late payments have ruined my credit and I feel this is unfair as I was no longer financially responsible for the mortgage after XX/XX/XXXX per our divorce decree. I have been trying to work with the credit bureaus in the past couple of months trying to explain my situation but I have not gotten a resolution. This mortgage has been completely been paid off since then so there is no longer even a balance on my credit report. I am filing this complaint as an appeal to XXXX XXXX to remove the four late payment dates from my credit report that were added after XX/XX/XXXX. I am attaching a copy of my entire divorce agreement as a supporting document. The section relating to our marital home is on Page 6 and clearly states that my ex husband would be solely responsible for the mortgage after the divorce.
On XXXX/XXXX/15 I cancelled my internet service with XXXX. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I called XXXX due to bills received that did not reflect the final balance. Since then XXXX has sent my account to collections. I do not owe {$130.00}, my bill should not have been more than {$30.00} or {$40.00}.
On XXXX XXXX, 2016 a Notice of Lien was filed on my account with Bank of America in the amount of XXXX from an attorney. Bank of America doubled the amount and put " on Hold '' XXXX. I made several phone calls to explain the CASE # is the same even though the judgment and notice of lien was filed as joint. After several phone calls and visiting the Bank of America branch on two separate occasions due to the person in their legal department told me to go into the branch and sign a " early payout '', the branch rep typed up a form however the amount was NOT correct so I could n't sign it, no resolution to the problem and my account continued to be charged. On XXXX XXXX XXXX was debited from my account and I was charged XXXX twice, once for me and once for my husband. On XXXX XXXX XXXX and XXXX was debited from my account. As of XXXX XXXX, 2016 the attorney has NO RECORD of Payment and Bank of America can not tell me where my money has gone. So, for a lien of XXXX, my account is out a total of XXXX and no one ( after 13 calls and two visits to the branch ) can tell me where those funds have gone. I am on Day 17 with no sign of resolution in site. With no explanation my fees for overdrafts is totaling over XXXX between the bank and creditors that items were returned to. Since XXXX XXXX, I have agreed to release the funds, and no one can seem to assist me. I did not dispute the lien, I wanted to pay this but having my account debited on three separate occasions and the amount of time it has taken for them to resolve this issue is criminal. I believe when they got the order on XX/XX/XXXX after they took their fees of XXXX, the only funds available were XXXX, however on XX/XX/XXXX payroll was deposited and all the funds were available, but no one ever looked back at the account to report that, even with me calling and begging them to help me resolve this. I do n't normally look at things like a conspiracy but how can I not think this delay was all to earn additional fees. This has created a disaster of my finances and I have felt so in the dark on what to do. The only notice I received from Bank of America was on XX/XX/2016 in both mine and my husbands name for the amount of XXXX, no other notice was ever received from the bank.
Us Bank Home Mortgage, XXXX XXXX XXXX, XXXX, KY XXXX, is engaged in fraudulent practices when it comes to processing principal reduction payments. 
This has happened to me always for the last 5 times. Here is the the illegal scheme :1-I make a principal reduction payment in addition to regular monthly Home mortgage payment. 
2-However instead of applying the the extra payment to reduce my principle, they keep the money in their account for applying to future monthly payments. 
3-However their next month 's statement still shows monthly payment is due next month. This fools us thinking that all the excess payments were applied to principal reduction but in reality, it just stays in their pocket w/o reducing my principal at all. 
As a result the above # 2, they are unfairly charging me more interest on my Home mortgage ( and keeping the received extra money with them as interest free loan ). 
This seems illegal to me and after every such incident call them and they reapply the payment to principal reduction. 
It seems illegal, unethical and fraudulent and may be impacting lots of unsuspecting people.
Portfolio Recovery is reporting non verified information and has failed to send documentation as previously requested to show this account belongs to me and I owe Portfolio the original debt. The debtor is XXXX XXXX XXXX in the amount of {$310.00}.
I recently started a credit monitoring service and noticed I had late pymt reporting on my XXXX card that should not be there as this is surely an error on their part.There must have been a billing error previously, therefore ask them to correct this immediately as I need my report to be accurately reported.
I have two credit cards by XXXX XXXX. Both have incorrect amounts and should be taken off my credit reports. Both have been charged excessive fees and not adjusted accordingly. Thus the balance and the minimum payments were incorrect. These should be taken off my credit report. Both accounts are closed. 


Also there is a " foreclosure '' of a house on my credit report. This has been satisfied and thus should not be on my report. It has been 2 1/2 years.
Experian sent me a notice saying that my address had been altered on my credit report, based on information supplied by a creditor. This was erroneous info. When I checked my report I found that I was " also known as '' variations of my name that I have never used. I complained, and Experian corrected my report, but e-mailed me a report that has a " variation '' of my SS # recorded, which I also have never used. I think it is a great wrong and misuse of power for credit reporting companies to accept false or mistaken info from creditors, some of whom the consumer may not want looking at his report because he does not desire to do business with them.
XXXX and Equifax are both reporting false information on my credit report. My credit report says that the US Bankruptcy Court-XXXX  is reporting That I filed several bankruptcies here are the account numbers # XXXX, XXXX, XXXX, and XXXX. 
I contacted the US Bankruptcy Court-XXXX  about this matter and they gave me a letter stating that they are not and do not report information to the credit bureaus. I sent the letter to the and they said they verified it with XXXX? I reached out to XXXX and they confirmed that my account has been frozen and that they are not reporting anything on me.
Ditech Financial LLC ( " Ditech '' ) issued me a check ( number XXXX ) in the amount of {$500.00} on XX/XX/XXXX. That check was issued from the Escrow account. That check states that it is " void if not cashed within 90 days. '' I contacted Ditech on XX/XX/XXXX and requested a replacement check. The call was recorded by Ditech at approximately XXXX am XXXX. The clerk assured me that I would receive the replacement check within XXXX days or XX/XX/XXXX. My followup call on XX/XX/XXXX ( recorded at XXXX am XXXX ) indicated that the problem was a technical issue and that I would receive the replacement check by the end of the week. 
My followup call on XX/XX/XXXX ( recorded at XXXX pm ) indicated that the check was in process. 
Follow up today, XX/XX/XXXX, at XXXX - recorded call with " XXXX '' ID - XXXX, supervisor XXXX ( ID - XXXX ) indicated that all previous statements were incorrect and that Ditech requires 30 to 60 days to reissue a check. I know that Ditech was in bankruptcy, but I thought my escrow funds were held in an escrow account, but now I am concerned that I will never get paid.
I had a lease on a property with a lady names XXXX XXXX. I had to break the lease on the Rental shop which I had signed and agreed to pay her. I did not however have a contract on the home. XXXX XXXX forged my signature on the contract for the house to make it appear as though I owed more then I did. It has since gone to a collection company and they say that I owe XXXX which I do not owe.
I called to have unauthorized hard inquiries removed from my Transunion report. The rep verified the inquiries were on my report, but said that even though the XXXX inquiries were made within 30 days, Transunion views these inquiries as XXXX whole inquiry. He said I would still have to wait for these inquiries to be removed.
I have disputed many claims with Transunion. I have an identical twin sister. Our first names are very similar. Our middle names are different as well as our last names. Our XXXX is XXXX digit off. My credit report has her stuff on it as well as my stuff is on her credit report. My credit was better than hers, but Transunion keeps putting her stuff on my report dropping my score drastically. Every time I dispute the result comes back you are this person when I am not. How many times do I have to correct them only for them to tell me oh thats you when it is not. Transunion sent me mail to my home address with my first name on it with my twin sisters middle name on it. They have made us into XXXX person and mixed our credit history together. Please help because this is hurting my credit. 
Thank you
I am submitting a complaint about Wells Fargo holding funds from a check I deposited into my business checking account. The check was from a client and written to myself, the business owner, and my employee. I deposited the check in the ATM and was told funds would be available the following day. The funds showed up the following day on my account, but when I attempted to make a business purchase my card was declined. I immediately went into the branch and was told by a banker that there was a hard hold on the account even though the check funds had cleared due to the third party name on the account. They called loss prevention who advised me to simply bring in the third party and have her sign a hold harmless agreement and that the funds would be released or if I did nothing the funds would go back to the original account after ten business days. I took my employee out of the office to go to the branch and sign the agreement. After signing the paperwork, they then told me that they needed a proof of payment letter from the issuer of the check, XXXX. They told me to go to XXXX to obtain this letter. In an attempt to get this taken care of I went to XXXX personally to ask for this letter. XXXX advised me that it was ILLEGAL for them to give me a proof of payment and funds from the issuers account. I went back to Wells Fargo to inform them of the illegal action they sent me to do. The loss prevention team then told me to bring in my client who wrote me the check to verify the check and the funds. My client, myself, and my employee came into the branch and verified the check, showed the online banking for the account indicating the check was good and had processed. He also had XXXX verify over the phone the proof of funds to the personal banker and branch manager. They told us that the release would be completed within 24 to 48 hours. It has now been 19 business days, over three weeks and no funds have been released to myself or back to my client. I have been called a liar, given the run around, yelled at, hung up on, and treated like a criminal by Wells Fargo loss prevention. They have frozen my account and all my funds, in addition to the check funds. They have ruined a business transaction for over {$21000.00}. I have spent hours trying to speak with them and explain the FCPB regulations just to be hung up on. They are unreasonably holding my funds and not releasing them to myself or back to my client. This is the most ridiculous thing I have ever had to deal with. They keep telling me to do one thing, I do it, and then they say no do another thing. After all the running around I 'm doing I still have no account access, no funds, and no explanation. I have never been treated like this by anyone, no less a bank I have been loyal to for years with my business. This situation needs to be resolved right away, this is beyond out of hand. I have continued to reach out to managers and was told Id receive a call back and still never was called.
I had gone into bankruptcy XX/XX/XXXX. At the time XXXX XXXX was my provider. When my bankruptcy was up XX/XX/XXXX/XX/XX/XXXX, I never heard anything from XXXX XXXX. Finally, XX/XX/XXXX ( or so ) I was starting to receive e-mails about my student loans, requesting me to respond if I wanted them to go into forebearance. I never received any information that Navient was my provider, so I deleted the e-mails. When I did finally respond to the e-mails, they explained they could n't discuss it through e-mail. So, I called, and when I called, I inquired about the teacher forgiveness program. They asked me why I had n't been paying and I explained I had n't been receiving anything. They asked me if I wanted to put my loan into forebearance and I explained yes, because I was n't aware money was due. They said they 'd send me information about the teacher forgiveness and took my address down. After about XXXX weeks of not hearing or receiving anything, I contacted them again. They took my address again and said they 'd mail me. This time, about a week or two later I received the application for teacher forgiveness, which I filled out and sent to my district office to complete ( human resources ). They explained that it was mailed out XX/XX/XXXX. At about this time, I also started to receive e-mails again asking if I wanted a forebearnce on my loan. I went and paid XXXX months that they said I owed for, about {$100.00}. They inquired about why I was late and I explained it was because I had n't received anything. The confirmed my address, and despite having received the forgiveness application, they had deleted the new address from the system and so they updated it again. To date, I still have n't received a bill or anything from them in the mail, nor have I received infrmation about if my teacher forgiveness was approved/denied, or whatever ... ... .I 'm rather irritated as I am trying to fix my credit and I 'm hearing nothing from a company that I have given my new information to multiple times now. I 'm trying to make matters right, to fix my credit, but their shanagins seem to be holding me back from succeeding in getting rid of my bad credit history.