WillisBack/dataset-financial-user-claim huggingface dataset:
I received 2 OD fees on my Regions checking account on XX/XX/XXXX without my account going into an overdrawn status. I called customer service and they were only willing to refund one fee in the amount of {$36.00}. 

I have received several fees in the past that I didnt agree with on this account, but Regions were not willing to resolve. I am wanting a fee audit conducted on all of the fees assessed to this account from 2007 to present. 

Regions website will not allow me to go back to 2007 to provide all of the fees assessed to the account, and I am asking that the bank goes back in their system to view these fees.
We are receiving multiple calls per day at XXXX different phone numbers looking for contact information for a relative. 
Not sure how they got our phone numbers.
The XXXX credit recording company are still reporting XXXX judgments ( XXXX XXXX XXXX XXXX and also XXXX of XXXX XXXX ) that have been satisfied ( Paid in Full ) over a year ago. I have reported to the credit company s and the court over a year ago.I hope you can help remove this out of date and fasle information. Thank You
XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX TALK TO XXXX CUSTOMER SERVICES REP ABOUT THESE UNAUTHORIZED HARD PULLS TO MY CREDIT REPORT AND SHE WAS NOT HELP TAKE CARE OF THESES NEGATIVE INQUIRIES REPORTING ON CREDIT REPORT
RE : Case number : XXXX XXXX incorrectly reported me as delinquent to Experian ( EX ). EX dropped my credit rating from XXXX to XXXX. This revised rating now appears as my credit score used by XXXX XXXX ( XXXX ), my bank and with whom I have lines of credit. This is information was posted on my last XXXX statement. I contacted XXXX and they told me they used EX. I used EX 's website to review my account ( XXXX? ), noticed the erroneous report ( a repeat of a wrong filling by XXXX in 2015, which was resolved and recorded in CFPB ). I disputed the charge on line and have no response from EX. I filed the above case with CFPB and have had a response from CFPB in which I was told it was EX 's fault and I should contact them. Why is the burden being placed on the victim and not the error 's committers?
I did a payday loan through WhitePine Lending. I didnt know it wasnt legal in my state ( NJ ) nor did I expect it to cost as much as it did. I felt as if I was constantly paying and the debt was never cleared. Now I am getting phone calls at my job and they are telling me they will garnish my pay. 

I also did a payday loan through XXXX. They are also calling my job now trying to do a settlement. I 've done a settlement before with XXXX ( XXXX difference companies yes, ) and I was scammed. I paid XXXX $ and I still had a balance, and it was n't cleared from my name. I do n't know how I feel about doing a settlement. The man was rude
I have disputed the accuracy of XXXX XXXX XXXX XXXX XXXX,XXXX times ( investigation no's.XXXX,XXXX,XXXX ) .All XXXX times, equifax verified either knowingly or negligently, the incorrect information still reporting today.In the most recent investigation I was very specific about my dispute.I SAID '' THAT THE DOFD WAS INCORRECT, THAT THE DOFD COULD NOT BE THE SAME DATE THAT THE ACCOUNT WAS ASSIGNED TO THIS DEBT COLLECTOR '', IT MUST ACCORDING TO FCRA ANTEDATE THE DATE ASSIGNED IN ALL CASES. ( FCRA ATTACHED AND HIGHLIGHTED OR UNDERSCORED ) .IN MY CASE, THE REAL UNREPORTED DOFD ANTEDATES THE REPORTED DOFD BY APPROXIMATELY 1 YEAR.IN THE XXXX RESULTS OF INVESTIGATION THE DOFD AND DATE ASSIGNED ARE BOTH XX/XX/2012.I POSSESS OTHER EVIDENCE THAT THIS LENGTH OF TIME BEFORE ASSIGNATION IS THE PATTERN AND PRACTICE OF THE ORIGINAL CREDITOR XXXX.XXXX IS IN BUSINESS TODAY , IS REACHABLE FOR VERIFICATION AS I POSSESS A XXXX ACCT. TODAY.THIS act of EQUIFAX/XXXX XXXX XXXX is called re-ageing of the account, it is an illegal practice. 
THE FCRA PERTINENT TITLE IS ATTATCHED.BOTH THE CREDITOR AND EQUIFAX VIOLATE THE FCRA TODAY AND DAMAGE ME.
Hello I am wondering why my Kohls and Cabelas account show up as Derogatory information on my credit report. My Kohls card I use and pay off so I do n't know why they should harm my credit score. My Cabelas account should be closed, I do n't even have a card for it anymore. I called Cabelas the  first week in XXXX 2017 and asked them if I still had an open account with them, I gave them all my information and they told me that they had no account with that information anymore. So I took that as my account was closed and no longer active. That should not be harming my credit score. I have no balance, I have had no late payments, nothing. Can  you please help me get these off my account as something bad. Yes I have a lot of student loans, but I pay them. I do n't need an account I do n't even have harming my score for the future. Please help. Thank you. XXXX XXXX
I checked all three of my credit reports and noticed I have a large amount of debts from XXXX XXXX. I immediately disputed the accounts on all three credit reports, They we're removed from XXXX and XXXX  all the accounts. Experian, some of the accounts we're removed but not all, according to Experian the accounts are accurate. How? Nothing was sent, no evidence or anything so how was the accounts investigated or proved to be mines. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( reporting twice ) XXXX  XXXX XXXX XX/XX/XXXX These are the accounts that are listed and needs to be removed from my credit report.
On XX/XX/2010 I sent SPS a letter and a copy of my XXXX orders to XXXX requesting assistance under the SCRA. My interest rate with SPS was 6 3/4 of a percent and they reduced my interest rate down to a mere 6 %. This was not in the spirit of the program. A reduction of {$90.00} a month is not helpful for someone leaving a XXXX figure a year career in the civilian world to earn approximately $ XXXX a year by being recalled to XXXX. Most XXXX I knew received interest rates down to 2 % and I think that is respectable. To add insult to injury I never got a {$90.00} reduction to this date almost 7 years later. 

SPS failed to recalculate my payments to reflect the reduced interest rate. I never received the second portion of the SCRA, which calls for diminished monthly payments based upon the interest rate reduction. It appears to me that SPS gave me a portion of the loan interest rate savings because the interest-bearing principal was {$460000.00} and then there was a deferred principal of {$210000.00}. This is not consistent with 50 USC app section 527. To date I have not ever been given any reprise from SPS under the Service Members Civil Relief program. They sent me a letter stating that they did give me some reprise but the numbers do n't add up. They have sent me 3 sets of financials over the last 3 months and there simply is not a reduction of {$90.00} anywhere to be seen. If they give me a reduction why ca n't they prove it? Where is it? Did it go to the wrong account? These are just a few questions SPS should answer!
After checking about potential impact of Equifax data breach, I was notified that my personal sensitive information may be compromised. I would like to report this agency, Equifax, for allowing this to happen. There should be consequences in order for future protectors and users of our personal information to be responsible and held accountable for not adhering to best practices.
My debit card was stolen on XX/XX/2018. The bank then noticed and notified me by phone stating if I authorized 6 transactions of {$500.00} totaling XXXX removed from checking and savings account from a local ATM. I adviced them that was not me and that when it was stolen I was not in that area and that my card was stolen, I did let them know what I did authorize. They re instated the stolen amount until the investigation is on going and they make a final decision. As of XX/XX/2018. They stated my claim was denied and the investigation is closed.
Hello my name is XXXX XXXX. I attended XXXX from XXXX to XXXX to gain a degree in XXXX. I was honestly ignorant of how much it was going to cost me per month once I graduated. It was over XXXX $ a month and with the job I had I could not keep up. I was able to get it reduced to a pay as you earn bracket but would have still been stuck paying a considerable amount back. I was able to talk to a relative and have them pay the entire {$40000.00} off and am now repaying them back. My question is if students are now getting their Student Loans Forgiven then should n't I be eligible for Disgorgement? I would greatly appreciate any information and assistance with this. I have a child on the way and would love to have this freed up off our backs. Please feel free to call me a XXXX or email me at XXXX. Thank You!
The account is for, XX/XX/XXXX XXXX company is with XXXX XXXX XXXX XXXX XXXX. The original account is with XXXX XXXX for the total charge of {$1100.00}. However, this account was opened under an individual by the name of XXXX. I believe this individual has victimized myself with a type of identity fraud. The account was opened with four lines with the contract under this individual as prime ownership. However, when the bill was not paid, I managed to have all negative charges pinned to my personal credit. The actions I have taken were mailing a dispute letter to the provider, as well as to the credit bureau itself. My attempts have not been successful and I am still stuck with the debt collection on my credit report. I currently use XXXX as my phone provider, and the debt seems incomprehensible. Thank you.
I believe PayPal credit card is delaying the posting of credit card payment to add late fees to the account.
I received a letter on XX/XX/XXXX from National Credit Systems. Its was dated XX/XX/XXXX. The letter stated that they regret to inform me that I had failed to make suitable payment arrangements regarding the debt, which name of creditor was listed on document. And account Is being reported to our credit bureaus. I called the company on XX/XX/XXXX. I gave them verbal notice that I disputed the validity of this debt. I requested Verification of debt and an itemized billing statement for this account. XX/XX/XXXX I received an email from national credit services. With an attached statement showing total amount and description as move out ready. Was not a detailed description of these charges. I contacted the company on XX/XX/XXXX thats a message asking for an Itemized statement and description of all charges. To date I have not received any Verification of this debt. They reported me to all three credit bureaus on XX/XX/XXXX showing this debt was unpaid. XX/XX/XXXX I contacted national credit systems again and spoke to a supervisor. She states that they can report it to the credit bureaus but the description must say disputed. As of XX/XX/XXXX, My reports do not show this debt as disputed. I submitted a dispute to each Bureau independently. I informed the supervisor of this. She tell me goodbye and have a nice day. And hung up the phone. I had verbally informed the company of the dispute and I have submitted a letter via mail to this company informing them of this dispute but I did not receive an initial dispute letter from them.
Collectors Name : ENHANCED RECOVERY CO L Account Info : XXXX Creditors Name : XXXX XXXX XXXX Open Date : XX/XX/2018 Balance : {$230.00} Debt : {$230.00} Contact Info : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
On XX/XX/XXXXXXXX XXXX XXXX had a judgement lien and the judgement lien has been satisfied. If was satisfied on XX/XX/XXXX. I pull my credit report and it show I still own XXXX XXXX XXXX. I will enclose a letters from the Debt Collector and Court showing the release of Judgment Lien.
Refinance loan application got declined. 
1. I have excellent credit. 
2. New payment is going to more than the current loan I have. 
3. Mentioned that my loan to income ratio was supposed to be less than or equal to XXXX % but told that it was coming out to be XXXX %. When asked for the basis and calculations, none are provided. 
4. Asked to bring {$7500.00} more to the table, in the lines of origination fee. When I said, i would not, the loan got declined.
I 'm writing regarding to a lawyer named XXXX XXXX who sued me and took the money and misused the money and tried to collect the money again, and when I questioned him telling him I paid you in full why are you still billing me he responded every email you send to me I 'm gon na charge you.please help and stop this XXXX XXXX from stealing cheating and lying.
I have asked Gm fincial for multiple help on lowering the payment I have a 19 % Interest rate and unable to afford the high monthly car payment. They now call me 2 to 4 times a day as soon as I am 1 day late on a payment this has been going on since XXXX 2017 at one point they offered me a 3 month forbearance then when I was able to actually do that they told me I was n't allowed that option anymore. I am u employeed am trying to make payments but they are not willing to work with me and just harassing me on payments.
I am executor of my mother 's estate. She passed three years ago. I am in the process of selling her home. Issue : Bank/mortgage lien on home. 
Three years ago I closed XXXX IRA accounts and a home equity line of credit. The bank told me not only to be sure the heloc was {$0.00}. but that it also is closed. I made sure this was done. I now find out that a mortgage lien is still on the home during closing. Wells Fargo did NOT inform me that a lien still existed when the account was officially closed. My mother never even used this line of credit. I was very surprised that I had to provide a mortgage paper to request a payoff and a release of lien The home was paid off at least fifteen years ago. It has been seven days and the lien has still not been released by the bank. The business manager at the bank told me that working for Wells Fargo he is also surprised to see many closed home equity line of credit accounts that are closed in the computer but have liens open on homes. Apparently there is no law or incentive whatsoever for the bank to notify customers or remove the lien. A special written demand must be provided to the bank. Again no one is told they need to do this once the account is closedI contacted my lawyer and he informed the bank can take up to 60 days to release the lien. This is absolutely wrong! A law needs to be invoked to stop this bank practice. Many people have liens on their home that do n't even know it. 
I understand XXXX XXXX XXXX and others do the same thing.
I used checks sent to me in the mail from Chase to conduct a balance transfer from my XXXX XXXX card to my Chase card. Chase almost immediately billed me for the amount and XXXX XXXX says they never received anything from Chase. I have called numerous times and spoke to numerous people on both sides and was told last Friday by Chase that they would " expedite '' it. I still owe {$5700.00} to both cards. Chase will not verify that they sent it to the correct account. Of course Chase has charged me a fee too.
Called Wells Fargo today asking when will the {$150.00} be deposited into my account for opening an new account and within 60 days I get an directly deposit more than {$500.00} I open acct on the XXXX or close to it and my direct deposit started XX/XX/2018 within the 60 days that 1st {$150.00} should be deposited and the next {$100.00} comes for the next 5 months as long as my deposit stay at least {$500.00} I will get the other {$100.00} Now they coming with some Bait and Switch telling me my account and deposit was not done within the 60 days after I was told by Lady who open my account up and said I will get the promo and thev1st {$150.00} is within the 1st 60 days Now I'm neighborhood told I HAVE TO WAIT THE FULL 5 MONTHS THIS IS A LIE ...
Chase bank said that they received a legal order to hold my fund since XX/XX/2018. They did not want to release any information about this legal order. I being trying to get any information about this because I need to know what is happen with my accounts. 
I being calling the XXXX option 4 which is the Chase Court Orders and Levis and no one can give me any information than the I need to call back between 24 to 48 hours.
CitiBank does not state in their Terms and conditions or in account disclosure. that if i will use my credit card as XXXX XXXX transfer or any service like this, it is considered as a cash advance/Balance transfer. and they charged me interest + a XXXX charge.
Experian is making it difficult for us to place a credit freeze or obtain a credit report. 
It is impossible to place a credit freeze or get a free credit report on-line or by phone. 
They accept only snail mail and want a certified letter, along with a copy of a driver 's license/government issued ID and a bank bill. 
When trying to get the credit report by phone, we are told to " stay on the line '', then they do not respond. There on-line app similarly just states they ca n't provide it. 
We have not experienced a similar problem with XXXX or XXXX 

Is this not a violation of the law? Or are they hiding a problem with their security?
On XX/XX/XXXX XXXX XXXX XXXX on my XXXX XXXX credit card was canceled. I received a letter from XXXX verifying the cancellation. XXXX XXXX XXXX were charged to my account on XX/XX/XXXX.
Some time ago, I sent Chase a letter informing you that I will be sending a check with a conditional endorsement which laid out the terms of an accord. USPS shows that the company received this letter l as shown in the attached copy of my certified mail receipt below and according to USPSs mail tracking website. 

Also, attached is this letter is a copy of cashed checked which proves that they failed to honor the conditions set forth by the check to delete the negative reporting from my credit report. I have attached a screenshot of my credit report proving that the company broke the accord set forth by the conditional endorsement check they have cashed.
The XXXX have worked with Chase and XXXX for well over a year now to avoid having their home go to foreclosure. They have lost their income and are living with their children. XXXX XXXX has suffered 2 XXXX XXXX in this last year. Finally after involving the CFPB I have received the attached approval of the Short Sale from XXXX, the first lien holder. I also received the attached payoff demand from Chase. Finally we thought the transaction could close and the banks would receive their payoffs and the XXXX  could move from under this cloud. 

The Chase payoff which was executed last week was expiring on XX/XX/2018. Escrow requested it be extended to match the terms of the first lien approval. I received a call this morning at first claiming the demand was never sent, then claiming it was sent in error. When pushed if they would honor it, XXXX said sure, if you close in 5 days. Very glib and sarcastic, knowing that was impossible. So here the XXXX are again suffering form the Chase runaround, a year later. I am sending, faxing, mailing documents to Chase, they claim not to receive. I have attached the documents I have referenced.
Experian continues to refuse to remove several accounts from my credit report that are closed, paid in full, and XXXX balance. XXXX accounts with the Department of Education/XXXX XXXX numbered XXXX are closed, paid in full, with XXXX balances, and have been for six weeks. Similarly, an account with Navient is closed, paid in full, with XXXX balance also. The account number is XXXX. All of these accounts are closed. I have previously provided proof and attached documents, so it is very frustrating that Experian is failing to act. 

Also, I have requested that Experian remove XXXX inquiries that are fraudulent and I did not authorize. XXXX from XXXX XXXX, twice, on XX/XX/2015 and XXXX. XXXX from XXXX XXXX on XX/XX/2015. Please remove these unauthorized inquiries from my credit report.
Since my last complaint, my account with this mortgage servicer was totally researched and it was discovered and settled by Ocwen that they wrongly calculated % and charged higher payments than they should have, on my loan, for the five years that they have serviced it. But the loan was actually from XXXX. I would like to request further examination of this loan, specifically when it was held by Litton Loan Servicing, which Ocwen purchased in XXXX. I have had my mortgage for ten years -- I closed in XXXX XXXX. I have statements from Litton Loan Servicing as early as XXXX. I want Ocwen to forensically assess my loan for what % rates should have been and if what I was charged was correct from XXXX to XXXX. If it is found to be wrongly calculated and I was overcharged in any way, I want a full refund including any late fees and interest or suspense monies held. I am deeply disturbed that my mortgage was handled so poorly and concurrently when I had great financial difficulties in my life. Tax-payers bailed out the banks and folks like me have been trying to do right, pay right and be smart about our credit through the entire crisis. Ironic. I have an Ocwen Ombudsman ( actually two ) but I have not heard from either one since I have left several voicemail messages regarding this new request. XXXX XXXX and XXXX XXXX are my Ocwen contacts. Please help me proceed. I have My Litton Loan Servicing account number and will scan the statement for when I made my first payment to Litton on XXXX/XXXX/XXXX via check # XXXX for the amount of {$1200.00}. My statement listed 7.25 % as the interest rate. The principal balance was {$240000.00}. And the last payment I have recorded to Litton was {$2400.00} on XXXX/XXXX/XXXX. The month before my records indicate I made a phone payment in the amount of {$5000.00}. My statement from Litton Loan Servicing dated XXXX/XXXX/XXXX lists my principal balance as {$260000.00} and the interest rate as 7.25 %. I need so much more information! Why did the interest rate change when Ocwen purchased my mortgage from Litton loan? Why has it always been 7.25 % if it was an adjustable loan? Was it supposed to be less every year since XXXX? Why is my principal higher in XXXX than in XXXX? Has this loan always been growing principal? Please require Ocwen to continue this case! They have to date refused any amount of financial settlement for damages -- even though they caused me financial stress, but if they owe me my own money, then I want every penny back. Please advise.