WillisBack/dataset-financial-user-claim huggingface dataset:
I receive a promotional mailer ( not a statement ) with XXXX printed blank checks to be drawn from my Southwest Rapid Rewards ( Chase ) credit card at least once a month soliciting a cash advance. They claim the APR is 0 % for the first year. Since a minimum 2 % fee is required, I calculate the APR at a minimum 2 % if the borrower paid no principal during the first year. The APR would be greater than 2 % if the borrower paid the principal down in the first year. This would appear to violate Reg. Z as it is more the .5 % different that the stated APR of 0 %.
XXXX XXXX XXXX is saying I owe XXXX XXXX {$1600.00} when I never in my life have had a XXXX account. I have been under my moms account since 2001 under her att account and still have the same number till this day.
This is a medical bill that I had set up payments with the hospital to pay and then lost my card and got a new one and forget to change it with the hospital by the time I call the hospital to set it up again 60 days later it was transferred to a collector ( my fault I should have called sooner ) I called the collection agency professional credit service ( who I had n't received any paperwork from, the hospital had my address and managed to send all the bills after my XXXX to my correct address but the agency decided to send them to my parents who I have n't lived with for 10+ years ) to schedule payments and she informed me my bill was now {$2700.00} instead of what I had paid it down to with the hospital of {$2500.00}. When I asked why that was she informed me they would be adding 9 % interest to my bill each month until I could pay it off ... WHICH SEEMS CRIMINAL! I started looking at if this was legal and the only thing I could find is that debt collectors ca n't charge me more than my original contract which I assume was the original bill from the hospital for just over {$3000.00}
I have sent Trans Union XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section XXXX ( a ) ( XXXX ) ( A ) and Section XXXX ( a ) ( XXXX ) ( A ). They have also failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.
I consolidated several of my credit card accounts. We had two hardware store accounts, one with XXXX, and one with another store. I had misunderstood in the loan process which of the two accounts were being paid in full. Therefore we had not made another payment on the XXXX  account. Our loan was finalized the end of XX/XX/XXXX and payoff checks were sent the 1st part of XX/XX/XXXX. I was working out of town most of XX/XX/XXXX and when I came cross the bill showing it was not paid, i promptly made a payment -- well over the min due. I pay double or more than my minimum every month, this was the first time I have ever been late on an account. 

I have not received any phone calls, emails, or additional correspondences alerting me the account was past due. One would think if an account was two payments late that phone calls would be flooding in daily, multiple times a day. I called XXXX CC services and asked them why we did not receive any phone calls, or if they could confirm calls were made. After being transferred to 4 separate agents all i was told was the procedure is to go into a dialer but no one could confirm any calls were actually made to my phone. I can assure you, if i would have received a phone call, I would have answered it, and i would have paid immediately. My credit is important to me, and i have worked hard for the credit score i have today. Yes I should have been more aware of this account not being included in my payoff. However I fail to not fault XXXX somewhat in not providing any notification at all to alert me of something wrong with my account. This one blemish has dropped my credit score significantly, and it is not acceptable. I have asked XXXX if they could rehab my account or provide me with a courtesy adjustment. Yes agencies are required to report accurate information, however agencies are permitted to make adjustments, and this courtesy is intended for consumers who have made an honest error, and again had XXXX contacted us when they did not receive our payment in XX/XX/XXXX this never would have happened.
I got a new home phone number XX/XX/XXXX. Since then I have been receiving calls from Macy 's Credit Operations concerning a person named XXXX XXXX. I have told them each time that there is no XXXX XXXX at this phone number, but they continued calling. Finally, I decided to write down the date and phone number of each call. They are as follows : XXXX XXXX ( 2 times ), XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX
Back in XX/XX/XXXX I was behind on my mortgage payment, I had a true hardship The amount owed as of my statement dated on XX/XX/XXXX was for XXXX. I went to a HUD approved agency I met with a housing counselor and they were able to assist me with reinstatement funds, the agency send a payment to Citi mortgage on XX/XX/XXXX for the amount of XXXX. On XX/XX/XXXX the check was returned back to the agency, they stated that they did not know what account to post the check to, the check was sent back XX/XX/XXXX and the check had the loan number circled, XX/XX/XXXX XXXX received notice from the foreclosure law firm that the loan was in foreclosure. and she was sent a reinstatement figure of XXXX with a due date of XX/XX/XXXX, XXXX was able to pay the amount on XXXX to stop the foreclosure, the agency never received the money hat they had sent of XXXX. I called Citi and they stated that the check was received after XX/XX/XXXX and that was the date that the foreclosure was filed. Called today and they can not tell me if the monies was posted on to my account
I did not apply nor authorize these inquiries I would like them deleted immediately it 's making it hard to obtain credit and a accurate score with inaccurate info reported
First, SunTrust bank refuses to allow mortgage clients to email or upload their insurance information. NO ONE uses paper and fax machines XXXX XXXX, except apparently SunTrust. They are not capable of using email to communicate and you can not email or upload insurance information. Second, SunTrust received my master condo flood policy weeks ago, but refuses to update my account accordingly. Third, SunTrust threatens to force place flood coverage on my condo for the outrageous premium amount of {$5900.00}! The entire condo carries a {>= $1,000,000} master flood policy, with a premium of {$60000.00}. I owe SunTrust {$69000.00}. The max coverage per home is {$250000.00}. Even if {$250000.00} coverage had to be placed, THERE IS NO WAY IT CAN COST {$5900.00} PER YEAR. SUN TRUST IS CLEARLY TRYING TO GET AWAY WITH ROBBING THEIR CUSTOMERS. THIS IS HAPPENING IN A FEMA DECLARED DISASTER AREA DUE TO HURRICANE IRMA! UNCONSCIONABLE.
I know i paid on the card when i had it and i believe the amount owed is wrong.
I have three credit cards which are very rarely used. The card in question is a XXXX Bank of America card. It has a {$1000.00} limit. I have never been late with this and usually pay ahead of time AND in full. I recently paid off over {$80000.00} on my kids loan. Our family income is over {$100000.00}. According to the XXXX credit report, everything shows OK ... yet Bank of America refuses to increase my limit ( I requested a {$5000.00} limit ). The reason for this ... we go on cruises. If I use this credit card ( which I always have the money to back it up and pay when due ) I get reward points toward future cruises. I believe that Bank of America ... where we do our banking AND my wife has her XXXX pay check direct deposited ... is discriminating against us for some reason. There is no logical reason to deny an increase to AT LEAST {$5000.00}. I tried to file a dispute on line on the XXXX site but it would not work. Your help appreciated. 

XXXX
I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 
This item " Payment Status Late 30 Days '' reported by " XXXX XXXX XXXX XXXX XXXX '' is inaccurate because the due date for the {$68.00} past due was XXXX XXXX XXXX as you can see on my statement attached below. Payment was made on XXXX XXXX, XXXX as you can see on my statement attached below. The number of days between XXXX XXXX and XXXX XXXX ( 15 days ) is not 30 as inaccurately stated and reported by XXXX XXXX XXXX XXXX XXXX. 
The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the item be removed. 
Enclosed are copies of, statements and credit reporting details supporting my position. Please investigate this matter and delete the disputed item as soon as possible.
My complaint is with Experian credit bureau. I noticed a inaccurate public record on my credit report. So I sent my first dispute letter to experian asking for validation of this public record. This was on XX/XX/XXXX. Experian response was it was verified and not validated. I sent a second letter XX/XX/XXXX Stating that according to the FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. Also asking for documents bearing my signature. Experian respond with another verification saying its from a third party, but not validating anything or sending any proof. To make a long story short I send more letters on XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX. I also send a letter to the CEO of experian on XX/XX/XXXX.  Experian failed to provide documents bearing my signature, they completely ignored federal law section 623 ( a ) ( 5 ). They have yet to validated this public record of a bankruptcy on my credit report. I also sent them a letter from XXXX stating that they have remove the bankruptcy from there file and they could not validate the said information on my report. This is my complaint against Experian reporting agency.
I called Transunion Credit reporting agency and talk to a representative regarding unauthorized inquiries and the rep was very rude and just would not cooperate and understand my sense of urgency regarding this unauthorized inquiries. 
Please find below a list of the inquiries : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX In addition to the above there is a XXXX credit card that is reporting as a 30 day late payment, and I have never made late payments. Below is that information. 
Negative Accounts Closed Accounts XXXX XXXX TransUnion XXXX Account Type : Open Account Number : XXXX Payment Responsibility : Individual Date Opened : XXXX Balance Date : XXXX Balance Amount : $ XXXX Monthly Payment : High/Limit : {$3000.00} Account Status : As Agreed Past Due Amount : {$0.00} Comments : LAST REPORTED DELINQUENCIES : XXXX ACCOUNT CLOSED BY CONSUMER Hide Details XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I would appreciate you immediate attention to this matter.
I attended college at XXXX from XX/XX/XXXX till XX/XX/XXXX with a break in the summer to move XXXX so I could go for my XXXX in XXXX as well. First of all the institute was not forth coming with student loans they told me that I had federal and state grants that covered most of my schooling they did not inform me of how much each private loan was or that I was signing paperwork for a loan which they stated was for receiving my books or equipment for labs. I graduated in XX/XX/XXXX a month before the stock market crashed. I was also laid off in XX/XX/XXXX. I called to consolidate my student loans when I received my first bill and was shocked it was almost {$1000.00} per month and I was unemployed they said due to the economy they were no longer able to consolidate student loans. I asked for help and they just put it in forbearance each time until it was no longer able to go into forbearance. I then asked for low income payment plan they said I did not qualify for that program. I tried to extend my payments for 25 years instead of 10 years to lower my payments and they told me that they could n't do that it needed to be paid off within 10 years. I pleaded with them and asked them would n't they rather me be on a payment plan that I could meet and make payments instead of defaulting on them and they were very nasty and not worried about my hardship. I ended up not being able to make my payments until it went into collections and the payments were XXXX per month instead of XXXX each month. unfortunately I had a family emergency and had to move back XXXX and I was unemployed again and could n't make those payments either. I have not been able to get a job in the career field that I went to XXXX for due to companies laughing at me when I say I graduated from there. Not able to transfer my credits I received from there to another school. Not to mention I received a degree that is worth nothing and having to pay student loans that are extremely high and ca n't start a new career to better myself. The school is now closed thank XXXX no one else will be robbed of their time they ca n't get back and student loans with a creditor that wo n't help you or care about what your going through to the point where your credit score is so damaged and you are not able to do anything with your life. I am so disappointed on both sides the schooling and sallie mae for not helping or caring about their customers, for extremely high interest rates, calls all hours of the day and night weekends and holidays, threatening to sue and take all my income taxes to repay student loans. Because they would not work with me so I could pay by not consolidating, extending, or payment plan for low income I have been hurt with credit score not being able to provide for myself or family. I have had to move back in with my parents not able to buy a car without having extremely high interest rates. I am hurt and feel as I have been robbed of a good career, credit, and score, I have also been harassed and threatened.
I FILED CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX, CASE NO. XXXX AND XXXX FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING TO XXXX.
Chase Bank issued me a XXXX for 2013 in the amount of {$14000.00} for credit card account number XXXX. My Federal Tax Return Form XXXX for 2013 included same amount. Chase Bank has yet to advise the credit reporting repositories ( XXXX, XXXX and XXXX ) that said account should be list as " {$0.00} BALANCE, PAID IN FULL ''.
I was a victim of identity theft from someone who has stolen my accounts info as well as my personal info I reported to them they said that it wasnt valid. Bank accounts and credit cards.
I am writing you to lodge a formal complaint about fees that were charged to my account. The XXXX charges in the amount of {$35.00} dollarsI am writing you to lodge a formal complaint about fees that were recently charged to my account. on XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} for a total of {$200.00}
Hello, I'm contacting you about the hard inquiries that have been running on me. 

1. I have a hard inquiry by comcase on XX/XX/XXXX and XX/XX/XXXX, one day after the other. How is that possible? There should be maximum one. 

2. XXXX XXXX XXXX has done a hard inquiry on me when they told me that it will be soft inquiry on XX/XX/XXXX 3. A hard inquiry from XXXX XXXX XXXX XXXX XXXX without remembering asking for my permission. Dated, XX/XX/XXXX All the above was using Equifax
trying to refinance with XXXX XXXX XXXX -- XXXX -- after turning in all required paperwork and paying XXXX dollars for an appraisal on XX/XX/XXXX the company quit corresponding and was not returning my emails -- they did email a form to sign that I received my appraisal within 3 days and I did not sign it, nor did I receive my appraisal -- I have emailed XXXX different people and left messages for 2 different people -- just getting the run around -- I 'm not interested in working with this group at this point but I do want my appraisal, or my XXXX dollars back
i sent a removal of credit inquiries to all XXXX credit report company 's on XXXX/XXXX/16 and i was advised that they could not remove the inquires.
On XXXX XXXX, 2017 I noticed that there was an inquiry for credit on my XXXX XXXX, that I did not authorize. According to my report my information was used to acquire credit that I did not authorize. This is what is listed under hard inquires for this company on my account : Institution Information : XXXX/XXXX  XXXX, FL XXXX I am requesting that this be removed from my XXXX credit detail.
In XX/XX/XXXX, attempted to reach out to company that was reporting a closed account debt. Company has called my place of employment and personal phone. I sent certified letter asking company to validate debt, but only received copies of credit card statements.
on XXXX/XXXX/2017, I received a credit inquiry alert from Experian for the following credit inquiry : XXXX XXXX, the credit inquiry is fraudulent and unauthorized.
Lender improperly moved for foreclosure judgment or sale before   one of the following occurred : ( i ) the institution notified the borrower that it had denied the loss mitigation application for any loss mitigation o and if an appeal is available, either the appeal period had expired or the appeal had denied ; ( ii ) the borrower rejected all the offered loss mitigation options ; or ( iii ) the borrower fails to perform under a loss mitigation agreement ( 12 CFR 1024.41 ( g ) ).
Currently in review for modification and citing " dual tracking ''.
On or about XXXX XXXX, 2016 I submitted a detailed complaint to CFPB regarding CitiMortgage 's horrendous treatment of my client, XXXX XXXX. Citi continues that treatment ; each week it sends me a letter telling me it is still reviewing the complaint. This failure to serve customers is an unfair trade practice and lack of good faith. Please follow up with Citi for immediate action on this matter! 
See Complaint # XXXX
New Mortgage Servicer - not the bank that loaned the money for the house, but anyway, calls on the XX/XX/XXXX if the payment is due on the first two months in a row and it is done at XXXX XXXX  which is illegal they can not call before XXXX XXXX and I work nights  and this is the second month in a row they have called. I notified them twice and that is why I am filling this report they are not following the terms of the agreement and I am sick of being harassed I believe that they need to be investigated for their collection process. I have two months free of charges during their transfer period. Where is the protection for the customer when these " companies '' handle your mortgage just looks like more fraud to me and if they play with my mortgage one more time I am walking and you can all go XXXX yourselves.
I purchased a {$100.00} XXXX gift card from XXXX XXXX stores on XX/XX/XXXX receipt saved ). 

On XX/XX/XXXX, with the card still in its original packaging, we went to use it at a XXXX XXXX. We were told that there was only {$1.00} left on the card. Since we have not used the card and the card was in its original package, we immediately went online to look into the matter. 

We found out that the gift card ( see printout ) that the card was used for 4 separate orders for XXXX purchases dated between XX/XX/XXXX and XX/XX/XXXX totaling {$98.00}. We also determined that there was a name linked to the account XXXX XXXX. This happened while the card was still in my possession in the original packaging. 

On XX/XX/XXXX, we went to file a police report with the XXXX Police, which is the city in which I live. The police report number is XXXX. If needed, I can obtain a copy of the report but, at this time, not willing to spend the {$15.00} required to obtain the report. However, I have told the police that I do want to press charges in their investigation is over. 

Also, on XX/XX/XXXX, I visited the XXXX on route XXXX in XXXX and spoke with the Manager. He stated that he never encountered any problem with any gift card sold from the XXXX store and, since these was a third party gift, there was nothing he can do. 

I called the toll-free number on the gift card and they said that I needed to fax a letter and corresponding documents to Lost/Stolen Card Request. I faxed on XX/XX/XXXX and XXXX. The credit card customer service person told me that they would have an answer by XX/XX/XXXX. On XX/XX/XXXX I called and they said that there was no movement on my case. 

I am confused as to how this happened. I could see if I lost the card or gave it to someone, but the card, in its ORIGINAL packaging, was in our possession the entire time after purchase. 

As of now, I am out {$100.00} ( minus the {$1.00} ) that was left on the card for the XXXX XXXX purchase and the activation fee. This will certainly not break me, but I am frustrated by the lack of progress, time spent on trying to figure out how the fraud happened, and that XXXX, the Police Department, and XXXX XXXX XXXX company has been basically unresponsive. 

I have faxed and am attaching the letter, the front and back copy of the card, receipt, activation receipt, the original packaging, and the online form in a fax. If you could help me or provide any advice, I would appreciate it.
Good Afternoon, I previously had XXXX loans with Sallie Mae. XXXX stafford loan for undergraduate study ( approx. {$1000.00} ) and XXXX XXXX degree smart loans ( approx $ XXXX ). Sallie Mae sold off my stafford loan to a company called XXXX. Back in XXXX 2015 I decided to consoldate the loans through XXXX XXXX and payoff the XXXX XXXX loan. After XXXX was paid in full, on XXXX XXXX 2015 my spouse intiated a wire transfer to pay off the XXXX Sallie Mae student loans using Sallie Mae provided information over the phone. Sallie Mae 's account information and address were confirmed and the wire transfer went through. 
A few days later it was discovered that I had a positive credit of {$13000.00} in my stafford loan with XXXX which was previously at a zero balance. I called Sallie Mae with XXXX XXXX on the line and they again confirmed that all information for the wire transfer was accurate, however, through an internal problem between the XXXX companies, XXXX received the funds. 
Sallie Mae is denying all responsibility and XXXX has refused to return the funds. I have been receiving threatening calls and emails from Sallie Mae demanding payment on a loan that was paid 2 months ago, and continue to incur late fees and interest on my account. I am in the process of disputing the loans with XXXX, XXXX, and XXXX. 
Sallie Mae continues to state that they have nothing to do with XXXX, however, my stafford loan has an identical account number to my smart loans and they use the same call center ; when I called Sallie Mae with a Senior XXXX XXXX representative we were transferred to XXXX. 
Any assistance would be much appreciated. I have documentation from XXXX XXXX with payoff information including Sallie Mae as the payee, Sallie Mae address, and trace number.