WillisBack/dataset-financial-user-claim huggingface dataset:
My Discover account was closed, ending in XXXX, fairly recently. However, there is a credit balance in the amount of XXXX which needs to be sent via check as I had requested. I chatted with a live chat rep in regard to this, was told a request was made to have check sent. I believe this chat was on or around XXXX, possibly XXXX. I checked the account today, XXXX, the balance in the amount of XXXX is still showing as a credit. I do not believe it was taken off as of yet and or a request for check processed yet. Prior to account closure, a dispute was filed for an item not received, an XXXX purchase ... I suspect this may or may not be holding up the check request as it may be still awaiting resolution. This purchase, in the amount of XXXX, made on or around XXXX, was not received. The seller was notified via XXXX but has not replied. Either way, I do need a check sent for credit balance ASAP
United Consumer Inc XXXX VA leaves messages on your voicemail " this is United Consumers and this a private message and if your not XXXX XXXX hang up and delete this message ''. If the person does n't hang up or the machine picks up it continues " this is United Consumer Inc and we are a debt collector collecting a debt from XXXX XXXX '' Sometimes when you listen to the recorded message a representative starts saying " hello hello '' Anyone who has access to the voicemail will have knowledge of the fact you have a debt and the collector. They are infringing on a persons right to privacy. Then when I discussed it with them they did n't care and kept leaving the same messages.
After accumlating more the XXXX points with Bank of America, I completed the online process to trade points for a {$25.00} prepaid visa in XXXX XXXX. As of this date, the card has not arrived. 
Between XXXX XXXX and XXXX XXXX I called Bank of America at least 5 times. I had to sign an affidavit that my complaint is valid and I did not receive the card. I was promised the card would be sent during at least XXXX of those XXXX calls. I have requested a copy of the original application for the Bank of America Card from XXXX when I first applied. The request has been ignored. My payment record is excellent. My XXXX score was low XXXX 's when last I checked. I do not understand why Bank of America would dog me out after 16 years. My current balance is less than {$20.00} - I have had balances in excess of {$13000.00} Can you help me get my {$25.00} gift card or have my XXXX points put back in my account. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Hello, I have contacted Comenity for Victoria 's Secret on Wed night at XXXX and this XXXX at XXXX to request that they cancel the application. The application was done just minutes before XXXX on Wednesday, so the request was immediate. I was misled about this card account and do not wish to have a credit account with Victoria 's Secret. The application is in process and I was given a message that they needed to review and I would receive a decision in 10 days. However, I do not wish to have this account and requested that they stop the application. They have refused. I spoke to an incredibly rude and unprofessional representative named XXXX or XXXX in the application department who was supposed to be a supervisor.
I have sent Navient my very personal private information three times already and they still are charging me late fees and put me in forbearance instead of IBR Plan! The last ( fourth time ) I sent the requested personal info including pay stubs ; it was returned by the post office. Im getting nowhere with them, and Id also like to be included in the ILLINOIS CLASS ACTION SUIT AGAINST NAVIENT because I fit exactly into the reason of the lawsuit. Please help me ( XXXX )
Regional Adjuatment, phone number XXXX out of XXXX Tennessee. This company called my brother in law asking for my sister to talk about a debt I owe. I have never provided any information other than my own on applications for credit or medical billing. I contacted the company to get their information, but they would not give me any information regarding what kind of debt this is because I do not agree to be on a recorded line.
I have no idea which company represent never received a bill from previous company just find out when I pull up my credit that I have a debt of {$310.00} with a collection Agency without knowing the name of the previous company.
I recently rolled over a federal student loan from XXXX XXXX to XXXX XXXX. SoFi overpaid that loan by more than {$800.00}. XXXX claims they issued a refund of the overpayment to SoFi in XX/XX/XXXX. Despite requests, SoFi has not posted that money to my account.
Tried to deposit a foreign-bank issued Manager 's Check ( XXXX XXXX ) into our Wells Fargo checking account at our local Wells Fargo Bank branch. Their Foreign Exchange Collection Dept.  was not able to process it apparently because of a regulation by the XXXX XXXX XXXX XXXX XXXX. When we tried to retrieve the Check from our local branch, we were told that their Collections Dept. did not return the Check and was further informed that the Check is not negotiable anymore because it has been stamped by Wells Fargo I contacted the Collections Department to try to retrieve the Check from them, but was told that they actually returned the Check to the local branch. Confronted with this information, the local branch admitted that the Collections Dept.  returned the Check, but they can not locate it any more. In order for the XXXX XXXX  to put a Stop Payment on the Check and replace it, the purchaser of the Check has to sign a notarized Affidavit of Loss and purchase an Indemnity Bond in the amount of XXXX pesos. The problem is, my XXXX-year old Aunt who purchased the Check, lives in XXXX XXXX XXXX. She purchased the Check when she was visiting relatives in the XXXX. She needs to either go back in the XXXX to take care of the situation or perhaps, have someone with a Special Power of Attorney take the appropriate actions on her behalf. Nonetheless, any action will require her to have either the notarized Affidavit of Loss or Special Power of Attorney authenticated by the Secretary of State of XXXX XXXX and further authenticated by the XXXX Embassy, which is located in XXXX XXXX All these things have to be done within one-year from XX/XX/2018.
Ally Bank allowed someone to open an account in my name ( fraudulently ) without using my correct address. I would assume any reputable bank would have better protection measures in place to verify someone 's identity. 

Ally ( after recognizing their mistake and after I notified them the issue ) continues to send correspondence to the wrong address.
To whom it may concern, I have been trying to resolve this on going issue with the XXXX XXXX XXXX   XXXX, XXXX, and Transunion since XX/XX/XXXX, to remove a student loan debt that dates back to XX/XX/XXXX from my account. Since they updated my account in XX/XX/XXXX for a very small balance this triggered an update to my 3 credit bureaus as a new activity. This update flagged my accounts in the 3 credit bureaus ( agencies ) as a bad debt that was paid, a derogatory account status, and a previous collection status that was paid. This unfair practice has hurt my credit, disallowed me to purchase a home, and is an ongoing burden. 
This malicious attack is unjust and has prevented me from obtaining a mortgage and getting other types of loans. 

I have been trying to work with them to have it be removed from my files, it nothing has been done. As I attempt to dispute this matter, my credit score goes down further and further as they tag my account as a dispute when the credit bureaus go into the account to update it. I would appreciate it if there is something you can do to help, this is an unfair practice placed on consumers like myself. 

I have attached a letter from the XXXX XXXX XXXX XXXX regarding this matter to help solidify my position. Thank you again for your immediate attention to this matter.
the law offices of suttell, Hammer & white sued me and got a judgement against me on time barred debt and now my check is being garnished
Synchrony Bank for Lowes suddenly added security fees to my account. I never authorized this service. It is something you can sign up for through a lengthy process, which I never even attempted since the credit limit they gave me was fairly lowe when I opened it. They slowly raised my limit and then added this fee one day and I didnt notice until I was trying to figure out why my balance wasnt going down even though I was paying more than the mininum fee.
The item currently in dispute is a MasterCard that was issued in my name without my knowledge by XXXX. The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my credit score report from XXXX, it stated that this account is scheduled to continue on record untilXX/XX/XXXX. I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with XXXX requesting them to remove my name from this account because the card was never received, activated or used by me. In XX/XX/XXXXI provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was onXX/XX/XXXX, as a follow up from my phone conversations with their representatives that took place on Friday afternoon, XX/XX/XXXX and Monday morning, XX/XX/XXXX. The purpose of the phone calls and letter was to continue my dispute of the fraudulent MasterCard and to advise them that the information from their investigation is inaccurate. I am requesting that ATIRAcredit, or its affiliate agency, XXXX XXXX XXXX, or collection agency, XXXX, remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, my credit score was excellent.
In XXXX 2016, I signed up for a Citigold account account with promotion XXXX that promised XXXX XXXX XXXX AAdvantage miles after completing certain requirements. After the requirements were met, according to the terms and conditions of the offer, the AAdvantage miles would post within 90 days. For the CFPB 's reference, I have attached the official requirements. I have attached a secure message from a Citi representative that I met all requirements for this promotion on XXXX/XXXX/2016. After the Citi representative told me I would receive these miles at a later date, I decided to follow up with her to remind her of the official promotion language to ensure I would receive the miles by the specified date which would have been XXXX/XXXX/2016 ; this message is attached also. XXXX/XXXX/2016 has come and gone and my miles have not posted. I am aware that Citi has refused to distribute the promised miles to other Citigold customers so I am filing this complaint.
After I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, The original servicer, XXXX XXXX had already started transferring the servicing of the loan to Nationstar on XX/XX/XXXX. Once again trying to collect on a debt that they cancelled in XX/XX/XXXX.

I am asking once again that their lien be removed because XXXX has already collected over {$80000.00} from me in payments. I did not accelerate lien in any way. The servicer XXXX  canceled the debt before acting on the lien in XX/XX/XXXX generating revenue for me. They did not however release the lien. Now they are trying to seize my home with the lien by way of foreclosure, and simultaneously trying to collect the debt by transferring the loan to another servicer Nationstar.
I have a check from  XXXX ,  a Wells Fargo business customer. The check was drawn on a We  lls Fargo  checking account in the amount of {$2000.00}. It represented payment out of  my  XXXX  ac count for reimbursement of   XXXX   medical expenses.     The teller a nd manager at the Wells Fargo bran ch at  XXXX   XXXX   XXXX  in  XXXX  Florida insisted the company 's policy is to charge {$7.00} to cash a check drawn on  Wells Fargo.   This was after they required that I put my fingerprint on the cover of the check in addition to the  XXXX  forms of identification.     So not only did they treat me like a common criminal being booked at a police station with the requirement of putting my finger in ink and then pasting my fingerprint on the face of a check but they also wanted to charge me an excessive fee to recover the funds from  a Wells Fargo a ccount of our  XXXX  medical administration firm.
Citizens bank rearranged posted transactions in order to maximize the number of overdrafts they could charge me. On XX/XX/XXXX before XXXX my account showed 3 preauthorized payments of a phone bill, gas bill and credit card bill coming out of the available balance. The account at this point was still in the positive. After XXXX a mortgage payment that was not supposed to be auto paid until XX/XX/XXXX was taken out causing the account to over draft. the next day on the XXXX Citizens bank rearranged the order in which these transactions posted the day before so instead of getting 1 overdraft fee they received 3. XXXX  XXXX XXXX and XXXX XXXX just were in a class action suit over this. This should not be allowed for the bank to rearrange postings in order to maximize their profit margin.
My mortgage loan is currently serviced by Ocwen Loan Servicing. Ocwen currently has the outstanding balance listed at {$1000000.00} ~ see attached. They also have the interest rate set at 10.7 %. Since my mortgage loan payments and overall balance have adjusted upward sharply, I have requested a detailed accounting ledger and proof of the current serious interest rate increase. Ocwen has ignored my requests. Ocwen has recently sent a trial loan modification offer to me ~ see attached. They have stated the current payment will be figured off a {$580000.00} figure, but they have not advised where if the rest of the balance will be written off, forgiven or deferred via balloon payment. There is also no amortization schedule or interest rate listed. The loan modification offer lacks clarity, which is a requirement per the National Mortgage Settlement of XX/XX/XXXX. I have a pending foreclosure hearing on XX/XX/XXXX and Ocwen is stalling on responding my critical questions.
I have placed several disputes for two accounts under my Equifax credit report that do not belong to me and I'm 100 % sure it's a fraudulent account. Equifax is hesitating in removing these accounts from my report and do not send me verified documents that show these accounts are verified as accurate and belong to me. 

Confirmation # XXXX XXXX XXXX XXXX XXXX - Assigned XX/XX/XXXX Original Creditor- XXXX XXXX XXXX Amount- {$2400.00} Balance as of XX/XX/XXXX Amount- {$0.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX- Assigned XX/XX/XXXX Original creditor- XXXX  XXXX XXXX XXXX XXXX Amount {$160.00} Balance as of XX/XX/XXXX {$0.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
My Citimortgage mortgage was paid off in 2009. Only XXXX has it marked as 'derogatory ' and I do n't understand why. I paid it off early and Citimortgage had no complaints. All my payments were made on time - what could be derogatory in this?
On XXXX XXXX, 2015 I contacted PNC bank because I saw a charge from XXXX in the amount of XXXX. I contacted my bank to let them know that this transaction was not authorized by me. PNC bank removed that transaction. I asked the representative how XXXX was allowed to post a transaction on an expired debit card. I had used this debit card a couple years back to purchase the online version of the software. It looks like the automatically sign you up for automatic renewal.My debit card ending in XXXX expired on XXXX. 

In XXXX of 2015 I received a new debit card ending in XXXX with a different expiration date. I has awoke from sleep the morning to find that PNC post the transaction of XXXX and I incurred XXXX XXXX fees associated with that transaction. I with into the XXXX site and login to find they had my new expiration date ( attached document ). Until today I had not logged into XXXX 's site since filing my taxes in XXXX of 2015. I am very curious to know how XXXX acquired my new expiration date because they surely did not receive it from me. 

I was advised by XXXX that if your credit card is expired, your bank can authorize a charge and also update the new expiration date. I was told that they can do this without notifying the customer. I believe that customer should be notify and have the opportunity to say no to this service just lilt opting in or out of overdraft protection.
I contacted Barclays Bank to inform them of a fraudulent account open in my name. I agreed to help in any way. I called them today to check on the account as it was showing still open on my credit. They say they have completed their investigation and confirmed the account is valid. I have never applied for this account.
I have disputed now twice with no response regarding XXXX medical collections that are unknown and outdated listed on my credit file. I would like these removed as they are false information.
I have A XXXX XXXX  on my credit report which is reporting wrongly. 

I have reached out to all three bureaus and XXXX XXXX to make the necessary changes which they have not done. The bureaus are not consistent with which months they are reporting late. If they did a proper investigation they would all match up to be the same months. Which leads me to be concerned that it may all be  inaccurate. 

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In the XXXX credit report for a closed mortgage account with CHASE MTG the STATUS says " 120+ DAYS PAST DUE '', and in the details inside had the comment " Paid after forclosure proccess initiated ''. I have tried unsuccesfully to fix this innacurate info three times in the past 6 months. First, the Status is incorrect because the account was settled and closed with a Short Sale agreement. I called XXXX and they said that " 120+ DAYS PAST DUE '' is the " Condition of account when last updated by creditor or otherwise '' Second, the inside comment is not relevant nor accurate, because the settlement supersedes any other previous condition in the account, and it should be AT LEAST mentioned in the report. Chase itself afirms in the answer to my complaints : " Were required by the Fair Credit Reporting Act to ensure that our credit reporting is accurate. '' How accurate a report can be if fails to mention the current status and includes a comment about a condition that not longer applies?
I received a targeted offer in the email ( deposit {$20000.00}, get {$200.00} bonus ). I decided to take advantage of the offer and headed to my local BoA branch, where I spoke to a banker. I inquired whether I was eligible for the bonus ( we used to have more assets at BoA prior to receiving the offer, but we moved them a savings account in a different bank, which at that time had an APR of around 1.8-1.9 % ) because one of the points in the fine print stated that the money deposited could not have been previously held in my name. Looking at my account, the banker assured me that I was indeed eligible and that I would receive {$200.00} bonus after depositing {$20000.00} into the account. The banker enrolled me in the offer, I deposited the money on and kept it for the required period, but never received the bonus. If I didn't think I was eligible, I would not have move the money from 1.8-1.9 % to 0.01 % account - that would not make any sense. 
I called the customer support and was informed that I was never enrolled and even if I was, I would be ineligible for the bonus. This was in contrast to what the banker said. However, the banker was unresponsive to my email. 
I feel I was misled by the BoA representative ( either intentionally, or by neglect ) and I would be grateful if the offer was honored. Alternatively, I would like to receive the compensation for the interests I lost by moving the assets from a higher-yielding savings account to BoA for the duration it was held there ).
Equifax continues to verify fraudulent accounts that I did not apply for. This is very frustrating as I have provided them with a copy of my identity theft report. My credit has suffered severely due to someone stealing my identity. XXXX of the fraudulent accounts are listed on my credit report and they do n't state the companies name, so I have been unable to dispute with the creditors directly. The fraudulent accounts are XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. What are my rights around this? Am I able to sue Equifax for allowing fraudulent accounts to be reported on my credit?
I was a XXXX bundle customer and I have terminated my contract prior to XXXX XXXX, XXXX due to a transfer of residence. Months after, I got calls from a collection agency for XXXX saying hat I owe them {$100.00} and some change for services rendered on XXXX XXXX, XXXX to XXXX XXXX, XXXX. For an address that I am not living in anymore. They are charging me for services we did not use. When we called them about it, they said they will fix it and make sure it 's taken care of. Today, XXXX XXXX, XXXX, I am applying for a new lease for a new property and that amount shows up in my credit report, essentially increasing my deposit requirement!
I was " sold '' a Chase Slate card with a fixed 8.99 % for life interest rate for purchased and balance transfers - as long as I made at least the minimum payment on time every month. They recently ( XXXX XXXX ) raised my rate by .25 %, and claim my account was changed to a " variable '' account sometime back in XXXX. I did not receive any such notice.