WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2016 I closed the Bank of America XXXX credit card account ending in XXXX. An annual fee of {$75.00} was assessed to that credit card account on XXXX/XXXX/16. Upon closing the account, I was informed that the annual fee could not be refunded. I then requested a partial refund since the fee covers usage of the card for the next 12 months and aforementioned credit card account had been closed. Bank of America refused to provide a pro-rated, or partial refund of the annual fee.
In XX/XX/XXXX my lawyer sent a letter to Fay Servicing that they provided incorrect information to the credit reporting agencies and to have it removed for both my mother and myself as we were both borrowers on the loan from XXXX. A DEED IN LIEU OF FORECLOSURE was provided by XXXX XXXX, XXXX who was my service provider with an agreement datedXX/XX/XXXX as recorded by the court in XXXX XXXX, Florida. Subsequent to the deed in lieu, the loan was erroneously transferred to Fay Servicing as the deed in lieu was executed prior to the transfer. 

Fay Servicing responded back on XX/XX/XXXX stating that they were in error of reporting the loan and they stated that on " XX/XX/XXXX the account boarded our system via transfer of servicing from XXXX. Prior to the transfer, a Deed-in-Lieu was executed however, we continued reporting the account as delinquent to the credit bureaus. '' They assured that it was removed from the credit bureaus and they would not report it in the future, however, I logged in to check my credit report while applying for an auto loan which I was denied for. I realized that Fay Servicing is still reporting the inaccurate information to XXXX - after 3 years later. 

I want this removed immediately as my credit has been damaged over the last 3 years due to Fay Servicing erroneous addition of this loan showing delinquent on my credit report. This should have been fixed when my lawyer addressed this back inXX/XX/XXXXand should have never been reported in the first place.
Someone has been applying for credit using my personal information without my authorization and consent. Someone has also opened a XXXX credit account and has been using it without my knowledge. I have filed a police report and sent multiple dispute forms to the credit bureaus ( Experian, XXXX, XXXX ) but no one is helping me. I spoke to the bureaus and XXXX, however no one is helping me with this issue! I am a victim of identity theft and this is ruining my life! 


Experian : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX : XXXX XXXX Account Number XXXX
This debt was originally reported on my credited on XX/XX/XXXX by Thunderbird Collections # XXXX in the amount of {$990.00}, scheduled to be removed on XXXX. Then on XX/XX/XXXX the same debt with the same company was reported again this can not continue this debt will conituen with no expiration date as long as the collection agency decides to recycle it thru. I do n't feel thie is right. I would like to see this debt removed, because of thie debt I have been denied housing on a rule of XXXX history of rental debt
Hello, This firm is going by two names. 1st is Retrieval Masters Creditors but when you call them back they say they 're American Medical Collections. The caller ID says RETRIEVAL MASTERS. I had thought this tactic alone was illegal. 

I think the debt is medical, we 're not sure. Reason why is when they first called we asked them to validate the debt, the caller stated " she 'd email it to us '' that was not the right answer. Soon after they called again, we demanded validation of the debt, we mailed them asking them to validate the debt as well. To date, we received nothing from them. But yet, they continue to call. We feel they 're clearly breaking the law
Received a credit alert that XXXX XXXX XXXX  files a major Derogatory on my credit report. We have not requested service from this company, we have no record of an agreement, nor have we received any information via mail or email. This has dropped my credit score over 50 points. I am requesting that this be removed as soon as possible.
I am being charged late fees every month, and i am never late. My loan has been set up to automatically withdraw from my bank account since the beginning. It is impossible to mange this with the lender, because there is a third party that is managing the loan.
Fedloan servicing falsified my income driven repayment application for XX/XX/2016. I submitted the income driven repayment application on studentloans.gov. My account on studentloans.gov reflects exactly as I remember filling it out and submitting it. I requested to simply update my income and continue the repayment plan I was currently on. I was surprised by a huge standard payment bill in XX/XX/XXXX as I was not expecting an interruption in payments or a change in my payment plan as I requested to stay on my same payment plan. Fedloan insisted I had no choice but to switch plans based on my application, I told them I did not want to switch plans and I did not put that on my application. Fedloan refused to provide me with the application they claimed said they could force me to switch plans until XX/XX/XXXX. upon review of their falsified document, a box was marked manually requesting my lender pick the plan with the lowest monthly payment and place me on it in addition to the conflicting mark I selected in item number one requesting I continue my current plan and simply recalculate my payment. all of the boxes I selected have electronic x 's and this box they claim I checked that allowed them to force me to switch plans does not. I did not check the box requesting fedloan force me into whatever payment plan had the lowest monthly payment. When I confronted Fedloan about this Fedloan threatened me that if I peruse the injustice bestowed on me that they would place me back on standard payment and continue to erroneously capitalize my interest every month I had to defer until I submit and they take as much time as they want to " process '' my application. This is an injustice and I will not allow Fedloan to continue to threaten me into allowing them to falsify my loan document. I am demanding they address this injustice by reversing the activities placed on my account based on the falsification.
Citicard allowed my credit card to be used over the credit limit they set. Then instead of allowing me to pay my original minimum payment they are requesting I pay the minimum in addition to the over the credit limit amount.
1. TD Bank offers online account opening option. However does not give any notice that my credit will be checked without my knowledge. 
2. The application does not get approved based on their erroneous credit info report they get w/o informing the customer of this process. 
3. Once I called the CSR, the manager indicated despite checking my credit ( the bank wants me to go to the branch ) to verify the info! 
4. The manager said in the bank they do not check credit. But again no such info is listed on the site.
My wife and i went through a financial hardship due to her being XXXX  fall of XX/XX/XXXX. We went from two incomes to one. As a result we were a few days late on payments a total of 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Besides these times we were on time for the prior 10 months. This damaged our credit and will possibly impede on our chances and rates on getting a home. We reached out to the bank and they responded saying they do not have a forgiveness procedure.
A third party had called to consolidate my student loans Fedloan Help, XXXX, CA XXXX Email : XXXX. 
They said my loans would be forgiven after 10 year making a payment of XXXX per month. I had them set up taking the payments out of my checking account starting XXXX. 
I receive\d a notice XXXX of XXXX stating my I needed to start making payments. I called the Fed loans discovering there has not been any payment made to my loan. I called Fedloan help and they informed me that they collect the money for a year then start making payments. I told them that I wanted to discontinue there assistance and will pay my loan back myself. They told me I would receive a refund. Soon I received this e-mail. 

Refund Hold Letter Hello, This letter is to advise you that your refund is approved ; however your refund is on hold temporarily. 
Unfortunately all outgoing refunds will have a 15 to 30 day delay due to lack of funds and donations to the organization. Upon receiving our next round of funding, any refund that we are holding will be issued immediately to the address we have on file. 
We apologize for the delay and we appreciate your understanding in this matter. Thank you again for your continued support in our organization and we look forward to resolving this temporary issue as soon as possible. 
Best Regards. 
Fedloan Help Team
The amount of the debt is wrong. I went to school for one year. They say I owe {$58000.00}. This is wrong!!
Dear The Consumer Financial Protection I have an issue that I have not received from Santander Bank for the overpayment which is XXXX $ on taxes from XXXX to XXXX. I need your guidance since every year Santander Bank has collected from me on the taxes more then they should have. I have a copy from the Town Hall in XXXX about how much the Bank has paid for me. From Santander bank there is a big difference in how much they collect the money then how much they pay to the Town Hall. I also have another copy of how much the Santander Bank has collected every year from me. Also I have another problem that I have not received back for my deposit on my house. When we had a closing in XX/XX/XXXX on my property XXXX XXXX XXXX XXXX XXXX XXXX, We had paid the deposit of XXXX. I have a copy from that closing. We were sure we would have received back an overpayment on taxes and the deposit on my house. When we paid full mortgage, but we were wrong. In XX/XX/XXXX we have paid the full mortgage and Santander Bank has never return our money back. From XXXX to this day I have sent many letter to Santander Bank asking for them to return my money back. The bank always sends me a new excuse to not respond to my letter. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Received calls from Midwest Recovery stating that there were two debts accounts they were collecting. 

Issue One : The representative asked if I was XXXX XXXX. I said yes. He then rattled off the last four of my SSN, my address and email address ( which I did n't think they could do as I should have had to provide to them ). The rep said the call was being recorded so they should have proof of that. 

Issue Two : I asked who the debtors are and they said XXXX XXXX and XXXX XXXX. I have never heard of these and said so. They said they were probably payday loans. I did have an outstanding debt from ONE payday loan which I paid. These debts are on my credit report. XXXX XXXX XXXX could not tell me the name of the payday loan services for either debt. The 'proof ' the sent me has the debtors name and an account number. How is debt that was paid once now be back Twice? Rep could not answer but offered a settlement.
XXXX XXXX, otherwise known as XXXX did a hard inquiry on my credit report today with out my consent. I ordered a replacement credit card from XXXX because my magnet strip was not working on my current XXXX card. This in no way should have made them do a hard inquiry. I have not applied for any other credit card from XXXX nor have I applied for a credit line increase on my current XXXX card.
I called citimortgage on Saturday XXXX and asked about getting a 2 month extension for my XXXX & XXXX payment. I was told to call back on XXXX which I did and went over my finances and was told I qualified for the 2 month extension. I was supposed to get a fax that day. I gave them my personal fax # XXXX. I never got the fax so I called back and they refaxed it but with a date of XXXX not XXXX which would have had me within the guidelines to get the extension. I have made lots of calls and been told lots of different things I was told I was approved and do n't worry about the fax they just need to have it uploaded. Now today when I called I was told I was outside the dates so I was declined. I would like to file a formal complaint I did my due diligence to get help and was told I was approved for the extension and now it is the XXXX the last day of the month and I am not able to make the payment. I would like for Citi to make this right by honoring the XXXX as the date of the extension approval.
I have had numerous billings, collection notices, etc. from the XXXX XXXX XXXX XXXX for a bill that was paid in full to the service provider XXXX XXXX XXXX. I advised the agency that the bill was paid in full via check and cleared the bank on XX/XX/2018. This was before my first notice from them. They continued to send notices however and I offered to send them proof the check cleared and all I get is more threatening notices. I did not receive a response to my offer. 

What is most offensive is that there was a billing problem and XXXX XXXX advised me my physician should have used another code thus the bill would have been under Medicare AND not to pay the bill until it was resolved. Weeks went by and it wasn't resolved so I just paid the bill.
Currently I have a mortgage account with Chase Bank, and I have inbond account due to loan modification. While ago, I received the escrow account analysis indicates that I have shortage of escrow account. I made XXXX scheduled payments on XX/XX/XXXX and XX/XX/XXXX with amount of {$460.00} and {$460.00} to pay off the shortage of {$920.00} before XX/XX/XXXX since my new payment will start on date. The first installment payment cleared to my bank on XX/XX/XXXX, and second payment did not clear via my personal checking account as today ( XX/XX/XXXX ). I called to Mortgage Customer service hotline to speak with the representative, after talked to him about 28 minutes, he asked me to follow up with my own bank to find out why the payment did not post, I told him it did not make a sense at all since it was scheduled on chase.com and electronically fund withdraw, how did my bank know about this transaction? I asked for his supervisor, after 15 minutes wait, finally got XXXX, Senior Account Specialist to assist me, and she called online support specialist, XXXX to handle over my inquiry, 10 minutes passed, XXXX told me that she was unable to resolve the issue, and transferred my call to another online support staff while she introduced herself and me. The online support staff immediately handled my call to another online support and the last staff I started to discuss then she started to ask me XXXX security questions to be able to identify the who I am, I was transferred from one representative to other representative, and the last security question asking for " from initial opening Mortgage account with Chase XX/XX/XXXX, how much the payment you have made on XXXX mortgage payment with following XXXX options .... '' I told her that I can not remember 10 years ago mortgage payment since I have been changed so many times. If you would ask me how much monthly payment I made last two years, I can tell right away, but 10 years, who had that good memory, and I provided answer to None of above. After I answered that she said based on my answers, she was unable to provide any information regards to the outstanding payment, I asked for speaking to her manager, and I was placed on hold again, and I looked up my phone display it was XXXX minutes passed. I hanged up the phone, and the issue has not resolved by almost 1 hour phone with XXXX transferred.
I started having communication with Forster and Garbus years ago ( ca n't recall exact date ) when they acquired my account. I tried to arrange payments, but they wanted {$2000.00} before they would speak to me. If I had that, I would not have been in this position in the first place. My original loan with XXXX XXXX XXXX was for {$25000.00}. They came in with a figure of {$29000.00}. After taking me to court, we had settled on a no-interest payment plan. We also had my father removed from the loan as his signature was not legit and was on this document. With hardships at work, I could not afford the payment. After a few months, I received a letter that my payments were to be made to the XXXX County Sheriffs Department. It was to be 10 % of my weekly gross pay. I was paying {$50.00} a week, but had to by Certified Check or Money Order. This was costing me about {$55.00} a month. After sometime, it be came difficult to pay on my low salary with my other bills. After a few more months, my salary was garnished to collect fees weekly, leaving my strapped once again. I had since left that career and sent payment when I could to the Sheriffs Department. Last payment was for {$50.00} plus a {$10.00} bank fee for a Certified Check and that was on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating " We are in the process of searching for assists to satisfy the judgement against you. If non-exempt assists are located, we may send the judgement to an enforcement officer for execution against said assists, unless we can make a satisfactory arrangement to resolve this matter ... '' To try and avoid this, I made an online payment to Forster and Garbus for {$25.00} on XX/XX/XXXX. I also sent an email to try and make an arrangement to avoid any more harassment or enforcement attempts against me.
WHILE I WAS IN XXXX XXXX, MORTGAGE PAYMENTS THAT WERE MISSED WERE NOT REPORTED TO ME UNTIL THE CHAPTER XXXX XXXX IN XXXX XXXX. NATIONSTAR NOTIFIED ME IN XXXX XXXX THAT I WAS BEHIND WHILE BOA HAD MY LOAN. WITHIN 3 MONTHS THE PAYMENTS WERE MADE CURRENT AND HAVE BEEN CURRENT SINCE THAT TIME. I AM ASKING NATIONSTAR TO PLEASE REMOVE NEGATIVE INFORMATION FROM MY CREDIT REPORT TO HELP MY XXXX XXXX. I AM CURRENTLY INTERESTED IN REFI OR DOWNSIZING MY HOME. IT WOULD REALLY HELP IF THE NEGATIVE INFORMATION WAS REMOVED TO ALLOW MY XXXX XXXX TO IMPROVE FOR BETTER INTEREST RATES.
I am a victim of hurricane XXXX. I called my mortgage co the week of XXXX XXXX on the process for my damage house. They advised me to mail in my check from insurance to them both on it and then they would disperse funds back within 4-7 days. Last week I mailed the insurance check and verified if they had received and was told no. Then told by another person at mortgage co the process would take 4-5 days to review then around 7 days to mail the check. Then I look online later and receipt for my insurance check had been received. Now I called today to start paying for repairs, and my file has not been approved yet. I asked for a manager to call me last week and no one called then today I asked for a manager to call me and still nothing. I need to pay for the expenses incurred now not later.
It 's amazing they have cashed my check getting insurance on my money ( insurance funds ) and I ca n't even get to pay my bills for repairs. I do n't have an escrow with them even. I have paid my taxes and insurance seperately. This process is ridiculous. I have always paid my insurance and home mortgage on time now when I need them they will not pay me my insurance funds to fix my house.
Credit card company calls me at least XXXX times per day attempting to collect payment. I received a letter stating I had until a specific date to contact them regarding my debt before they turn it over for legal action, and they have still continued to call repeatedly XXXX times per day.
i am asked to call back about a debt collection. i have no idea what kind of debt, how much, to whom i allegedly owe money, or anything else. on caller ID, the company is listed as Navient, phone number XXXX i am afraid to call back because i believe it is a scam. these people call me at least three times a week.
I am a victim of identity theft and I have received a fraud alert in regards to the unauthorized and fraudulent credit inquiries listed on my Experian credit report. The following credit inquiries are unauthorized and fraudulent : 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 Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX Company XXXX XXXX/XXXX/XXXX XXXX
Company : XXXX XXXX XXXX A dispute of fraudulent charges in XXXX led to charges being removed from my account and a new card being issued. I was advised that a document ( affidavit ) would be sent to me but it was never received. In XXXX, a bill of over {$500.00} was presented to me when i called and asked why my card was n't working. I asked to see the bill. I checked online and there were no bills available. I contacted customer service and spoke to over 15 representatives including 5 managers. There was no bill mailed to me on over 2 months. They kept trying to force me to pay over {$200.00} to get my bill back in good standing but i needed to see the actual bill ... I finally received a bill in XXXX and after having countless conversations the charges were reversed, ALL late fees were returned and the correct balance was paid. I thought this meant that the late payment would also be removed but i check my credit this weekend and its still there.. I could not pay a bill if i could n't see a bill. If i had just paid the {$200.00} they would have been cheating me out of alot of money. When i finally received a bill there were $ 170+ worth of charges that should n't have been there.
I have submitted a request with Experian to have a collection account removed. I do NOT have a contract with the collection agency trying to collect the debt, therefore it is inaccurately being reported on my credit report. The collection agency also accepted the terms of an agreement for the alleged debt when payment was accepted. This account need to be deleted. In a prior complaint Experian stated this account was not referenced on my credit profile. However it is still listed. I also never received any credit report from them showing the deletion. They are the only credit bureau being difficult in this matter.