WillisBack/dataset-financial-user-claim huggingface dataset:
I have been owed a {$2400.00} refund for an overpayment to XXXX, when I refinanced my loan with XXXX. XXXX has known about this since XXXX when they were paid in full by my new loan handler. I have filed a formal complaint with the XXXX XXXX XXXX and after a month, they just filed my complaint as " unresolved. ( Unresolved complaint filed with XXXX, ID # XXXX ) The XXXX have been unable to obtain my refund. XXXX suggested I contact your organization to look into this. I have been getting the same, nonsensical lack of information from XXXX since XXXX when I discussed with them that the instructions I followed for refinancing with XXXX would result in a large overpayment. They told me originally don't worry as it will be refunded ASAP. It has now been more than 4 months since XXXX received a payoff amount from XXXX and XXXX has not refunded the money to me or to XXXX. Should I file a lawsuit? A police report for theft?? Please advise. 
XXXX XXXX
Regarding Reference # XXXX, Bank of America is stating " Unable to Verify Information ''. All information/documents came from either Merrill Lynch which is owned by them or the Federal Government. I provided them with my tax statements from Merrill Lynch, Social Security statement from the U.S. Treasury and certified tax returns prepared by my CPA and were approved by the IRS. 
I believe that the real reason for my decline is racism. I have a fiance ' that lives in XXXX XXXX. This is a real fiance visa matter. I am represented by the Law Offices of XXXX XXXX located at XXXX XXXX XXXX XXXX Nevada XXXX, ( XXXX ) XXXX a prominent immigrations attornorney and have case number XXXX at the U.S. Embassy in XXXX XXXX. In XXXX when you get a job handling money they hold on to your passport, so she could not work while going thru the finance ' visa process so I had to help her out financially. Bank of America noticed my XXXX XXXX money transfers to her and kept questioning me about it. She is XXXX and from XXXX. On XXXX at XXXX XXXX I got a call from the loan department stating to me " so this is a sham marriage ''. Again, the reason for the decline is racism and not the ability to verify my application information.
My husband XXXX XXXX XXXX XXXX and I opened a joint account with this company in XXXX for furniture. We purchased a mattress set and a bedroom suite XXXX My husband is civilian DOD and the payments come out of his pay automatically through allotments bi weekly for {$100.00}. We have roughly paid over {$5000.00} on a balance that was supposed to only be a little over {$4000.00}. After two years we have not seen much decrease in the balance so I have called on several occasions to try and get a physical statement mailed to me so that I could see all of the payments and balances over the past two years. We 're going on close to three years for a balance we were told would be paid off in 30 months. The first attempt was inside a store and after arriving I found out the store had closed, so I called the XXXX number listed on our contract. The representative I spoke with refused to give me information on the account because she said I was n't listed on the account any more. Well I found out they rewrote the contract in XXXX after my husband added a jewelry purchase. I was not notified by phone or in writing that the terms of the contract had changed nor was my husband told that day that I would be removed from the contract. He has also attempted to get an itemized statement reflecting all payments and balances and to no avail. Additionally, the full contracted amounts are still being reported on my credit reports as closed accounts even though they unlawfully removed me from the contract. When I call they claim there is no record of me being on the contract prior to them rewriting it.
This is my response to my formal complaint, and ask you to investigate the business practices of Equifax. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
They have no verifiable proof ( an original consumer contract with my signature on it ) to verify that the account belonged to me the first time they reported the account on my credit report. My ID has been stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX XXXX , XXXX XXXX ( XXXX ). Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Equifax failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts and persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed.
XX/XX/XXXX, XXXX reverse was done for a temporary credit for a claim I filed, when I filed the claim it was in time frame but was told when the back end department got around to the case it was out of time frame, I been calling about the dispute no one could answer then I found on my message page once I logged in Resolved I called about this and asked what was out come was told it just states resolved and this was in XXXX, however still no more information was sent to me. So XX/XX/XXXX, thy then reversed XXXX without me knowing this wasnt giving a notice that this would be done When I called theXX/XX/XXXXwas told on XX/XX/XXXX the department states it was to late for them to help me. However why I wasnt notified about this at all just notice thy reversed XXXX from my account and said I cant do anything about it.
The doctors office set up a payment plan. They fixed the billing error. But trying to reach the debt collector to verify this collection notice seems impossible. They will not answer the phone and to find out if they closed the collection on their end to prevent a judgement. The automated attendant answers then tells you to call back later. I have called multiple times.
I received an email notification from Citibank ( credit card ) that my XXXX payment in the amount of {$500.00} was returned due to the payment account being closed. I made my XXXX payment on XXXX XXXX ( due date was XXXX ) via the Citibank website. The website listed XXXX payment accounts ; however only XXXX was available to choose because the other account was listed as " cancelled. '' In fact, during the process of making the payment, the cancelled account was not listed in the drop down menu for choosing a payment account. The other payment account was listed as active and this account was the only XXXX listed in the drop down menu. Meaning the website only allows users to choose the active payment account. The cancelled payment account was an old XXXX Bank account used in the past. The active payment account was my current XXXX account, which I have been using to pay my monthly Citibank payment for the last few months. This can be seen in my payment history. When I made my XXXX payment via the Citibank website, I made it with my current XXXX payment account. Again, it was the only option to use on the website. For some unknown reason, Citibank utilized my closed/cancelled XXXX account to draw my XXXX payment. This was not my mistake as Citibank is claiming. I did not have the option to use this old payment account, not even by mistake. 

Citibank got notification of the payment return on XXXX. They charged a late fee on XXXX. However, they took 5 days to notify me of the returned payment, which in essence forced the late payment. As soon as I received the email, I called customer service to attempt to remedy the situation and correct the payment. The agent told me that it was quite possibly a computer glitch which caused Citibank to draw from the incorrect account. However, I now see that I am being charged a late payment fee and I am being told that Citibank will report a late payment to the credit agencies. 

I did not make a mistake by clicking on the old XXXX account because it was not even an option for me to do so ; therefore, I do not believe I should be charged a late fee and I do not believe this matter should negatively effect my credit report. There is an obvious problem with Citibank 's website payment process that allows old/closed accounts to be utilized for payment.
Discover Bank has failed to honor their promotion to credit my account with {$100.00} after I opened and deposited {$1000.00} into a checking account. Please read the attached Discover Bank messages. In the XXXX/XXXX/15 message Discover Bank clearly states that I met the requirements for the {$100.00} and it would be deposited to my account on XXXX/XXXX/15.
I am a victim of Hurricane Michael, living directly in a federally declared natural disaster zone and XXXX XXXX has stolen what little financial dignity I had remaining. During the storm and as an unfortunate result of it's aftermath, I have been unable to use the simple technology to effectively manage things such as automatic bill payments and their cancellations due to rolling service outages, infrastructure problems, and other more pressing events beyond my control such as the safety of my loved ones. Even today as I write you regarding this I am still without reliable service at this point hence the continued delay in reporting this and other problems consequential of the most recent events. Nevertheless, although the funds were available to shortly after to cover the funds, the mounting fees made it impossible to ever catch up. To add insult to injury during this already difficult time, I received a email on my birthday nonetheless, that XXXX XXXX is closing my credit card accounts after five years of  my loyalty their brand and an impeccable payment history. It's almost as if they are intentionally taunting me during a time when it would seems as if they would be willing to help their loyal customers who have perfect histories with them.
I tried to resolve this debt with two companies, one called Capio, and another called XXXX XXXX XXXX XXXX XXXX ... I talked to a women named XXXX from XXXX-she said I owed a debt on a bill from XXXX XXXX XXXX from XX/XX/XXXX! Although this just hit my credit in XX/XX/XXXX? I had a great credit score, and within 3 days my score dropped drastically.. I have XXXX the name of these companies, which they have the same address listed, and when I called Capio and XXXX there has been multiple complaints filed against them for years! I need help resolving this issue and removing them off my credit report. 
Thanks!
THis Credit card from a place called XXXX XXXX bank pulled my credit hard i have conversated with them twice they refuse to take this off my credit report i did not authroize them to pull it someone used my info to apply for a credit card or they tried to set up an account without my authorization and they are refusing to do anyting about it. 
they wont admit that i didnt authroize it they just look at the fact that someone used my phone number and info to apply for an account and it was not me sometimes i share my phone or friends use my phone number but i also know its possible to use phone numebrs iwthout having the phone i get calls all the time from waht shows my own number on the caller idea because people are trying to fradunetly collect money and other stuff from me or sell me fake stuff but they can make it look like a call is coming from another number so i know its possible to clone a number but this company XXXX XXXX is not willing to do anyting about the fact they messed up and wont fix there XXXX up now i dont have their card never did never applied for their card and i never would.
I have a credit card with XXXX that I keep making payments on but they turned my account over to a collection company. I still dont have the money to pay this debt. 

Hurricane Irma hit this part of Florida and I lost my food in my refrigerator but FEMA doesnt replace food. 

My car has been repossed so I have no way to work. 

I pay $ XXXX to XXXX but since it's not the full amount they turned me over to a collection agency which doesn't help me pay.
State Farm Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
The XXXX blocked me from going into my account and making the XX/XX/XXXX payment and I was told by XXXX  around XXXX  XXXX XXXX that the Loss Mitigations department locked me out of my account. I couldn't login. I called again and spoke to XXXX around XXXX and she indicated that the department of Loss Mitigations lifted ban, she stated that I can now go on my account and make my payment. I went back online and still could not pull up my account. She allow me to make a one time free phone payment which would have cost me {$12.00} plus my late fee of {$10.00}. I have a witness to the whole conversation. I have been making payments on time never 30 days late. The last payment I made was on XX/XX/XXXX in the amount of {$1300.00}. I needed help back in XX/XX/XXXX because of medical leave XXXX  and I applied for loss Mitigations. The underwriter proposed some type of trial payment plan for three months {$1400.00} and I refused and email them stating I wasn't interested. I have never been blocked before up until today. I still login my account. I have to deal with unpleasant people every time I call. The attitude I get from them is that they are doing me favors.
Sir, Madam Over one years ago night time when i sleeping American honda company took my car before they take no body call me.When i wakeup in the morning i feel my car is lose than i call 911 they talk me your loan company taken your car because I had missing payment than i call back if you return my car i want makesure loan payment but they do n't want than they hack my credit please help me i want to open sushi restaurant. 
thank you.
Wells Fargo Bank has repeatedly charged insufficient funds fee when there are no funds in the account, and they send out notices to that effect. Rather than stop all payments on debit charges and ACH debits, since there are bank records stipulating that account has no funds, they repeatedly decline charge and re-charge insufficient funds. This is definitely a rip-off scheme when Wells Fargo continually make an account negative by adding {$35.00} per item over and over. Further, when I first had an issue with a charge and not enough funds and a check was going in the same day, they would not post deposits, until AFTER an insufficient funds status was used.
I just had a decrease alert from XXXX and my identity has been stolen since XXXX. And also my grandmothers and grandfathers. It is XXXX. And they are leaving me broke without a vehicle and XXXX embroyos missing and they have not help me at all. I have been thru XXXX and I am also working with the dea. Get my credit fixed. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX a XXXX and it is XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX and XXXX XXXX and XXXX XXXX and XXXX XXXX
I recently received a copy of my XXXX.The credit report showed a credit inquiry by American Credit Acceptance on XXXX/XXXX/XXXX that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

American Credit Acceptance requested a 60 day extension to resolve this matter. This is a direct violation of the FCRA. By requesting a 60 day extension when the original dispute was filed XXXX XXXX, XXXX is evidence that American Credit Acceptance does not have the information necessary to justify the inquire that is currently displaying on my XXXX Credit Report. American Credit Acceptance is in direct violation of the FCRA Section 1681 ( a ) ( 4 ). I request that American Acceptance remove this unverified inquire from my XXXX Credit Report Immediately. I intend to seek legal action if American Credit Acceptance continues to willingly and knowingly deny my rights under the FCRA and for damaging my creditworthiness and credit score causing great distress.
In  XXXX  of  XXXX  I opened a  XXXX  account, with the hope of building my credit. I paid the {$30.00} fee and ordered  XXXX  item. However, there were delivery issues and the item was returned by the post office. Thus, my account still had a {$0.00} balance.     So, I tried again, ordering a smaller item and unfortunately, I had the same issue with the item be undeliverable and sent back to  XXXX . After the second attempt, I was given my {$30.00} enrollment fee back and closed my account.     Fast Forward to  XXXX  and the harassing collection calls begin.  XXXX  was contacting me, stating I owed {$100.00} in interest only charges. I spoke to the billing department  and 3-4 people o ver the course of  5-6 mo nths ( beginning  XXXX   XXXX   ) and t hey all confirmed that I did not owe any charges, as I never purchased an item and the mistake would be corrected and the calls stopped.     The calls did stop, for a while ; however, my credit report still showed a {$100.00} balance and 30 day delinquency on the balance. So, I reached out to  XXXX  's credit department and they agreed that my report was in error and promised to update it. After two months, I reached out to the again, because although TransUnion showed the account as closed, it still showed a {$100.00} high balance.   XXXX    shows no balance, but a 30 day delinquency and not closed.  XXXX  shows a {$100.00} high balance and not closed.     I have disputed this information with all  XXXX  creditors and the account was " verified '' ; however, this info is incorrect.     I have talked to  XXXX  and they claim my account was deleted on all  XXXX  bureaus, but as of today, it still stands.
On XXXX/XXXX/2015, we moved out of XXXX XXXX due to issues that are not a part of this complaint. XXXX XXXX was appropriately notified and we were told that we will receive a statement with a payment due if any repairs are needed. We never received one. We do have mail forwarding service and all other mail came. 
By XXXX/XXXX/2015, we were already moved into our new house, but we did not receive a statement, or a bill. 
At that point I called, and found out that there is a bill and that we owe XXXX {$280.00} for carpet repair. I was surprised, but I asked for the bill. XXXX told me she will send it ( they already had new address on file since it was provided a month before a move out ). Two weeks passed, but we still had not bill, or statement. 
Eventually, just to get this over with, I stopped at the office to pay it off on XXXX/XXXX/2015 and handed XXXX a cashier 's check for {$280.00} payable to Residences At XXXX XXXX. She assured me this is the last time we will see each other. 
To my surprise, on XXXX/XXXX/2015, I received a notice from a debt collector for {$280.00} I owe to Residences. 

To sum up, I was reported to collection agency after the debt was paid in full to manager on staff that day. Also, I received no resolution from them at this time. Mine, and my fiance 's credit is likely to be affected. 

At this point, it has to be either ill-will, or gross incompetence. It is difficult for me to understand it as I gave all parties ample time and opportunity to settle all issues.
I write and question some things on me credit report. They fix some. But now I try to get mortgage for house and they leave some things in dispute. Experian needs to fix this. I never say I dispute. I agree with what they tell me. So no dispute for:1. XXXX # XXXX. XXXX # XXXX
Ever since I first tried to be successful chasing the American Dream, companies like XXXX have been profiting off of me and keeping me down. They are the default " ethics police '' and the # 1 form of " lawful '' slavery. Their theft of my personal information means I ca n't even put money in a bank without those XXXX  knowing MY business ( not their business!!! ) I want them to delete my information from their database, they have made my life a living XXXX and I want justice. Their company keeps the rich rich and the poor poor. Their company supported XXXX XXXX and calls XXXX XXXX uncredible! ( For the record, I AM credible, dummy XXXX! ) I find their business model incredulous and can not believe that people are investing billions into this fraudulent scam to profit off of the American poor. This has no dignity and I am concerned that honest people are unwittingly supporting this classism through their investment " advisors ''!!! XXXX : Supporting classism for over 100 years! 
-XXXX p.s. if they made actual changes to help the poor ... that would be something, but as far as I can tell, in its current state, the company does more harm than good. 
Also their " freeze '' is XXXX.
capt one XXXX chgs for for XXXX, XXXX XXXX each, this ventor was informed in the time frame to cancel. They cancel a XXXX chg as they could not provide the services of a search, and I informed them in the XXXX day period to cancel. They did n't and keep chging the acct XXXX twice
On XXXX/XXXX/2010, my mother took a Reverse Mortgage Home Equity Conversion Loan with XXXX XXXX XXXX , XXXX whose address was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. My mother received a sum of money from XXXX XXXX but left {$95.00}, XXXX in equity on the property. My mother has passed. Currently, the loan is being serviced by Champion Mortgage whose address is XXXX. XXXX XXXX, XXXX, TX XXXX. The telephone # is : XXXX. The loan # is : XXXX. The problem that I am having is that two months ago, I found out that I am the mortgagor on the loan. At the time the loan document was drawn up, I was never told that the loan was in my name. Additionally, I was told that the {$95.00}, XXXX equity that my mother left in the property is probably worth {$20000.00}. I was also told that the remainder of the equity died with my mother. I was told that there is nothing that I can do at this time but to sell the property. However, I am writing to you because I feel that my mother was frail and vulnerable at the time she took the loan. Moreover, I was not given information about the type of loan and the pros and cons of a reverse mortgage that was subject to a life estate in my mother 's name. I do not want to sell my home and would like an opportunity to continue to live in my home. As a result, I would like to know if I am covered by the reverse mortgage since the loan was in my name.
the original loan amount for a voluntary reposed vehicle was {$6200.00} with my down payment of {$1000.00}. My last payment made was in XX/XX/XXXX, they reported is was XXXX XXXX they auctioned the vehicle in XX/XX/XXXX and didn't deduct the money from the loan amount or send me a copy of the sale of the vehicle. I have asked over the last 6 years for a copy of the date and price of the sold vehicle. They only state they have sent it to the address I have lived at for 8 years, except I have never received anything from them. They have sold the account to a collection agency in XX/XX/XXXXthat has never contacted me either.
On XX/XX/2018, I contacted XXXX XXXXXXXX to discuss an account. The first representative I spoke with asked to " verify my ( sic ) phone number, '' knowing that I did not have one on file. After asking about this, the representative told me they had spoken with me about my account on several lines or numbers, revealed to be a list of 15+ numbers which I've never had. The company released my information to whomever owns these 15+ numbers! When I asked about this, the representative stated that use " skip tracing '' to acquire numbers, but that can't be factual information as the numbers were in no way associated with me directly. They did, however, confirm that they had called a sibling and a parent through giving me numbers to my sibling and parent. Nice!