WillisBack/dataset-financial-user-claim huggingface dataset:
OnXX/XX/XXXX I made a payment through XXXX XXXX for the amount of {$2600.00} to my TJX Rewards Credit Card. InXX/XX/XXXXmy TJX Credit Card was declined when I was trying to make a purchase. I called TJX Rewards Credit Card customer service onXX/XX/XXXXto inquire about that. When I spoke with a representative I was informed that payment was not received and ; therefore I made another payment of {$2800.00} that was the balance at that moment. That day I did not check my bank account because I was traveling. On XX/XX/XXXX when I returned, I called XXXX XXXX and I was informed that in fact payment ( {$2600.00} ) was sent and received by TJX. SinceXX/XX/XXXX I have sent proof of payment and also contacted TJX more than 15 times. I have spoken with supervisors who stated that payment was received and I will get a refund check. In XX/XX/XXXX I spoke with one of the supervisors who stated I will get credit within 2 weeks and when I called inXX/XX/XXXX another supervisor stated that a request to investigate claim has to be filed because he could not see any response to the claim. Up to today I have no received credit. Every time I have called, I have to speak with a different supervisor and all they say is that they have to make the report and I have to wait another 30 days for a response. It has been 5 months since I started this claim and I feel every month they just made an excuse and I have to wait another 30 days. Attached you will find copy of proof of tranfer from XXXX XXXX to TJX.

TJX Customer Service XXXX Fax XXXX
I recently paid off my home in North Carolina. Well that is what I thought I did. 
Today, I received a letter stating that I was to pay XXXX At the same time Bank of America has not since refunded my Escrow Money. Why is it that Bank of America can not simply deduct the {$13.00} from my Escrow Account. The XXXX is late charge. I do not see why a bank this size can not just wave the fee. I am attempting to have my credit reports showing the account is paid. Bank America continues to report that my mortgage is not paid. Am I upset with Bank of America? Yes, would I have a mortgage with Bank America again I am not sure. 
Anyone with similar issues can call me at XXXX. I am not an attorney. 
I can not and will not give legal advice. However, if you are looking for moral support a friend I am here for you.
I started the process to prevent my home from foreclosure on XX/XX/XXXX by submitting an application via hope loan portal ( case # XXXX ), which was handled by my housing counselor with the XXXX XXXX XXXX XXXX XXXX XXXX. Since that process has begun, I have been getting the runaround with my lender Bank of America who holds my mortgage. After submitted my application onXX/XX/XXXX, I received a response from Bank of America on XX/XX/XXXX stating that my application was incomplete due to missing documents, which included bank statements and tax returns. These items were received by Bank of America via hope loan portal. However, according to the representative with Bank of America, they were not in proper format. According to the representative, my statements could not be accepted because they were printed from my bank 's ( XXXX XXXX ) website. XXXX XXXX does not offer traditional bank statements without a fee and you have to request them to be sent by mail. I did not find out this information until 3 months later of which I received my bank statements in the mail. I sent my bank statements to Bank of America on XX/XX/XXXX via the hope loan portal per my housing counselor. I then received a response from Bank of America on XX/XX/XXXX stating my bank statements were rejected because it includes 4 pages of which the 4th page is blank. They are saying they can not accept the statements because the 4th page, though it is blank does not say " page 4 of 4 ''. Therefore, according to Bank of America my bank statements are incomplete. I have contacted XXXX XXXX to see if something can be done to adding page 4 of 4 to my bank statements. XXXX XXXX does not provide statements in that format. Therefore, I am unable to provide what is being asked of me from Bank of America.They are also stating they have not receive page 2 of 2 which has been submit via hope loan portal on XX/XX/XXXX. I have also resent these statements on three occasions between XX/XX/XXXX and XX/XX/XXXX through two different Bank of America banking center locations. Bank of America is still saying they have not received the complete statements. Because of this, my process in securing my home is being halted due to " missing documents '' according to Bank of America. Bank of America has also requested proof of my expenses of which I have provided copies of my utility bills on XX/XX/XXXX. I have also sent an itemized budget with my application. On XX/XX/XXXX, Bank of America responded with a request for proof of expenses. I have been informed by my housing counselor that it is likely Bank of America will soon be requesting for me to complete a new application because my application is more than 90 days old. As of today XX/XX/XXXX, Bank of America has not requested for me to do so. I feel as though I am not being treated unfairly in this process. I feel that I will lose my my home based on some technicalities beyond my control.
A complaint - # XXXX was filed regarding American Express Gold Delta SkyMiles card - American Express used incorrect data provided by Experian to determine APR. 
American Express Gold Delta SkyMiles responded to complaint stating that they had resolved the matter by offering a gesture of good will : 1. American Express issued a {$30.00} statement credit - I can not verify this information. 
2. American Express XXXX Delta SkyMiles - AE has not allocated XXXX Delta Skymiles they stated in letter XXXX XXXX, 2016 in response to my complaint # identified above ( and narrative below ) The former issues was ... 
Delta Skymiles American Express credit card, which I applied for and awarded, was awarded at 17.49 APRate instead of 15.49 APR. American Express stated on XX/XX/2016, my XXXX score was XXXX based on a report from XXXX. On XXXX/XXXX/2016, I ran my credit report for all XXXX credit reporting agencies ( 4 days apart ) and my XXXX scores were : XXXX XXXX ( excellent ), XXXX XXXX ( excellent ), XXXX XXXX ( excellent ). This is a XXXX point difference in the XXXX XXXX score in 4 days. When I explained to Am Express that XXXX out the XXXX issues were incorrect and incomplete - they would not resolve the issue. And XXXX, when contacted, was not willing to make ensure my credit card was complete and accurate ( separate complaint has been filed on XXXX ). Issue one - said no record of installment loan ( car loans are evident and on file - XXXX and XXXX XXXX ) but my mortgage info is not listed on XXXX.Second, said too short of time with early accounts - have had 28 years of credit. Third issue - do not pay accounts as agreed - I pay all accounts as agreed. AM Express based its APR decision on inaccurate and incomplete information. 
XXXX Issue APR or interest rate If you lost money, how much money did you lose? {$0.00} Have you done any of these things to try to resolve this issue? 
Contacted the company directly DESIRED RESOLUTION
THERE ARE INQUIRES ON MY CREDIT REPORT THAT SHOULD BE REMOVED AND AS NOT BEEN DONE
My husband filed bankruptcy in XX/XX/XXXX. In XX/XX/XXXX, after a very long and difficult period working with XXXX, we modified our mortgage under the HAMP plan. Please note, that I was the primary borrower on our mortgage but had NOT filed bankruptcy. We also a XXXX mortgage with Ocwen, who refused to work with us on a modification on our XXXX mortgage. Ocwen advised that they could not speak with my husband regarding the bankrupsty, however, as I had stated to them on numerous phone calls, I was not part of the bankrupsty so they should be able to converse with me, but refused. When asked how we could settle approximately one year later, they said the load was written off, however, we never received a lien release, but went by their word. Ocwen purchased the first mortgage from XXXX and then shortly shortly after, sold the mortgage to XXXX. We have been making payments faithfully for over two years with Ocwen and XXXX, but now that we are only with XXXX and due to the modification agreement after five year, which will be in XX/XX/XXXX interest will adjust, so we went to one of our C.U to refinance our mortgage ( and we were approved ) and that is when trouble again begain as the title searched turned up the second mortgage lein. My husband tried to call the Ocwen immediately, but was told that a lein research release takes a minimum of 6 months and can only be done via fax. This is totally unexpectable and as faithful consumer, we have worked diligently to keep our credit rating in good standing, only to once again, be help back by the big banking industry. We have been dealing with this type of treatment for approximately 10 years, starting with XXXX and would really appreciate some relief when we work so hard to follow all the rules that the banking industry has established, however, only to be repeatedly abused by these big corporation. This is no doubt Unfair, deceptive and abuses acts and practices two fold. Thank you for any advice and or guidance you can provide..
On XX/XX/2018 I submitted an identity theft dispute to all XXXX credit reporting agencies via certified mail. I have waited nearly 60 days, without a response nor solution to accounts I've been a victim of.
I maked my payment on time One year ago, the company name is Capitol one i used my debit XXXX XXXX XXXX, and then i called capitol one and they say everything XXXX be fix, but i still waiting a year and still show in my credit report, i Need u guys erase that mistake is not my foult, is look bad on my record .... thank u i gona wait for ur respond with good news ...
In XXXX of 2017 I wrote to Equifax, XXXX and XXXX asking them to verify several accounts that were unbeknownst to me and I have yet to see a response nor a change in my report. The accounts are as follows : XXXX -XXXX XXXX XXXX -XXXX -XXXX -XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX -XXXX Equifax -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Equifax should immediately be offering a free freeze on your credit account if it was included in the breach. I should not have to provide profit to a company whom I never elected to do business with and has put my financial life at risk. Credit reporting companies can essentially force us to buy insurance, from them, to protect us against their poor security practices.
Doing the hurricane season, Florida was decaled a disaster area, I applied for a three month forbearance with US Bank and they told if after the three months, if I could n't pay it back, their would work with me on it, Well a few days after it was due, they put me in the credit burial and when I call them, their would say that they are working on the modification that I applied for and that the underwriters are working on it. I told me nothing would happen to my credit and it need.
Bayside capital claims to own debt from a company I had taken a personal loan from in 2015 ( XXXX ). In addition to attempting to threaten to take me to court for criminal charges of theft they are also misrepresent amount i payed and currently owe.
XXXX/XXXX REPEATEDLY ATTEMPTED TO CONTACT THEN OVER THE PAST YEARS. Im a service member that was XXXX XXXX since XX/XX/2012 They cant find my account on file in order for me to pay off the debt.
The loan servicer, MOHELA, constantly calculates the incorrect payment amount when the interest rate resets on my variable student loan. MOHELA 's payment calculation fails to account for pending monthly payments, thus using a higher loan balance in the calculation, resulting in a higher monthly loan payment. MOHELA always recalculates the loan payment amount on the day that my monthly payment is made, so there is always a pending payment when the calculation takes place. I provided electronic correspondence to MOHELA months ago, informing the company of this issue and have not received a response.
Continuation of complaint XXXX. We have requested information from this law firm so we can defend ourselves against this predatory lending. We want the name of the person we can call at XXXX XXXX or the current collection agency that they sold the debt to plus all legal documents filed with XXXX County court. Copies of letters sent to our address. We paid this debt in full and the XXXX County Court where the new lawsuit was filed not a continuation of a debt that we quit paying, it was paid in full. We want any letters that were sent to our address which they have on file since the final payment we paid to the court sent to our address also. They have sent another letter since the complaint was filed and we responded to it on last week which is part of this ongoing case. This is predatory lending at its best. We are going to ask the Attorney General of our State to look into this matter. Attached in the most recent letter sent from their XXXX Office. We want the entire file sent to us # XXXX XXXX. XXXX XXXX XXXX.
PLEASE CAN SOMEONE HELP ME!!!! Equifax has refused, as evident by their response here, to properly address my claims against them that they have, in light of their recent " investigative results '', violated FCRA law Section 605. Account labeled under XXXX # XXXX is incorrect, fraudulently reported and in violation of FCRA law. My attorney has asked me to purse another dispute against their fraudulent claims that this account is being reported accurately. Now, in fact, they have made matters worse by re-aging this account as XXXX days delinquent as of XXXX. I want to repeat, for the hundredth time that this account is NOT reported correctly and this account needs to be removed from my credit report for its inaccuracies and false reporting. Equifax has updated an already incorrect account and has re-aged to be delinquent as recent as a month ago. I have informed them many times that this account has not been opened since XX/XX/XXXX and is a settled account and was never delinquent or in collection. Why have they re-aged this now? Do n't they understand that making it even newer than ever will impact my FICO tremendously worse? How on earth do they verify it XX/XX/XXXX!!!? It has been closed and fully paid in XX/XX/XXXX with XXXX OverPayments and never even settled with XXXX. Their actions has just recently, as of a few days ago, dropped my credit report XXXX points! Their unlawful actions must be stopped please. they are changing and altering this account to be even more inaccurate each time i dispute it, XXXX and XXXX have removed this account, as a result of their proper investigation, and yet they refuse to come to such a resolution and have been very difficult to deal with. They have continually shut me down and are now COMPLETELY refusing to process my dispute on the grounds that it has previously been disputed. I have run out of options as they are XXXX reporting it incorrectly each time and I keep trying to help them correct it and or delete it but they treat me like I am wrong, stupid and do not matter. Please, help me i can not get any loans or credit cards!
nation star mortgage ( XXXX ) continues to call my work number ( XXXX ) at all hours of the day. I have told them I have no business with them and that they have the wrong number, yet, they refuse to remove my number as only " the customer can do so ''. They have a call center in the XXXX that cvalls at least XXXX times a day. I feel harrassed. I DO NOT HAVE A LOAN WITH THEM.. why cant they just remove my number? I asked for a supervisor or a manager and he was on break ; was put on hold for over XXXX and nobody ever came back.
I have a credit card that does not show on my Trains Union report. How do I get credit card on my score?
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX indicating that I owed a debt of {$290.00} to XXXX XXXX from the Merchant Lowes. XX/XX/XXXX I called Lowes customer service who transferred me to XXXX at XXXX XXXX XXXX who just wanted payment. I explained that I didn't occur any charges at Lowes and could he provide some documentation regarding time place and date of the charges. He responded that he would mail them and I never received anything until a duplicate letter dated XX/XX/XXXX arrived. I spoke to representatives at 2 different Lowes who were no assistance resolving the issue. One did give me an 800 to call after speaking with Lowes corporate customer service. XX/XX/XXXX I called the number and after many lengthy holds and transfers the call ended up back at XXXX XXXX XXXX. Once again I asked XXXX if he could provide documentation of the debt and he stated that was not able to and would like to collect the debt allegedly owed. That is now why I am writing for your assistance in bringing closure to this harassment when trying to find a resolution on my own.
I have disputed an account for XXXX XXXX XXXX several times now with Equifax and have not had a resolution as of yet. First I must say that the account is not mine and no one has validated this for me if for any reason I do owe on this account. Second this account has been removed several times from my credit report and reinserted without my knowledge which violates the FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Also not to mention, I feel that they are also attempting to reage this account by continuing to change the amount owed from {$1100.00} to {$1100.00}, these amount has been changed several times, this violates FCRA Section 605 ( c ).
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The same goes for the 2 accounts for XXXX, one for {$3000.00} and {$500.00}, I have submitted numerous times the court order from the XXXX XXXX XXXX XXXX stating that I only owe {$1100.00} plus {$74.00} but this account remains on my credit report, which violates FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. XXXX XXXX  ). I have also noticed that this account has been removed several times and reinserted without my knowledge which again violates the FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I currently have an open dispute with Equifax and fear that I will still have no resolution to this issue.
got a call from this # XXXX. they told me that my payday loan that I took out in 2012 was send to them and if I don't pay it, I will be arrested. I have this on recording.

they told me that they will serve me and if don't pay by Monday, I will be arrested. first time they told me I owe about {$1800.00} and the 2nd time I called to get the name of the business they told me that they are the company that serve papers and I owe XXXX I asked them to stop contacting my family members but they refused.

I'm very scared because I thought I paid everything I owe few years ago and there was nothing else on my credit.

I called check and go and told them I can payoff the amount today but they told me that they don't have it any longer. i also ask them to email me the information, they said they already have but I couldn't find anything
Rise Credit has sent me special offers in the mail, so I decided to apply for the loan. When I applied I got the response and they said they denied it because of fraudulent activity in the application. I decided to check the phone numbers out and the address out and it does n't match up. The phone number associated with Rise is registered to a female in XXXX, Fl. The address and the number I was given to call is listed in XXXX, SC. After searching there is no address listed in XXXX, SC for XXXX XXXX XXXX XXXX, XXXX. The fax number is a fax number listed to an address in XXXX XXXX, Tx. If you will notice closely the fax number is the same area code for the number listed in South Carolina. And the fax number for Texas the last digit is just XXXX numbers of the actual number in South Carolina.
On XX/XX/2018 I am being hit with a hard inquiry from XXXX XXXX/XXXX   which I did not make. I never authorized any Inquiry or applied for any card. This is fraud.
Back in XX/XX/XXXX myself XXXX XXXX and my friend XXXX XXXX the cosigner agree to get a loan and split it in half. Payments as well. He went M.I.A and later on I heard he left to XXXX for good. I got stuck with the payments which I had no choice since it's my credit too and I can't really do anything about it. But I struggled to make the first payment/s since I got laid off from work. Had no phone at the moment since I had no money so I could not contact anyone. I had finally thought I got my job back in XX/XX/XXXX. Until the owner talked to me. But first my supervisor talked to me before and said he heard that they didn't want me to work here anymore because the loan place was calling and harassing my employer nonstop. Received to much mail from them too. And they were not stopping after my employer let them know I was working their anymore. Finally talked to the owner of the small company I work for and he didn't want to give me work. He gave me different excuses. But at the end he had no reason to fire me because I'm a good worker and never had a complaint against me and he also didn't admit to my personal loan situation. So on the same day. I called Consumer financial Services located on XXXX XXXX XXXX. A operator answer and gave my info and she ask why I'm calling and I said I'm calling to make a payment arrangement and to talk to someone to see if maybe they can't stop calling my job because they got me fired. She transfer me to the manager. A XXXX who didn't introduce herself, but didn't give me a chance to say anything because she decided to insult me right away by saying I know who you are. You are a dead beat with lots of child support. You are irresponsible and I know you got fired and do you think I care because I don't and I don't feel sorry for you. You stoled money from my family and your boss said he ain't giving you your job back because he don't want to deal with us. If she would of listen like the operator she would of know I was calling to make an arrangement to pay them back since I got my job back. Sometime this week of XX/XX/XXXX they contacted my company again and harass them. And same situation from XX/XX/XXXX I'm having with my boss. I'm now just working 20hrs instead of 40hrs. I know it's because they really don't want to deal with my problem that I'm having with consumer financial services. Please advise.
Department of Education is reporting incorrect information on my credit reports. They first was reporting that I was 120 days late when I disputed that information, they updated the notes to the loan being in collections. How? When this my two student loans was paid in full approximately a year a half ago. I check my credit score periodically and this has dropped my credit score 42 points. Which is hurting me in trying to get approved for a mortgage. These accounts are over 7years old, and has been paid off I would like them completely removed.
When I asked about lowering payments Navient advised that I could reduce payments or take advantage of forebearabce but never explained how this would affect the loan and or interest associated with loan. In fact they almost insisted I take the forebearance every time I asked about my options. Navient did n't inform me of any deadline or proper documentation either. I feel as though a Navient did n't have my best interest in mind when assisting me with my loan. Disappointing! This has also impacted my credit dramatically as the fees and interest are way out of control.