WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I attempted multiple times to make a payment on my student loans in order to pay off the interest before the grace period came to an end and the interest would be capitalized. I had many problems making the payments and would receive notification that my transaction would be completed within 2 buisiness days. 3 or more days later, without any notification, that the transaction had been cancelled. It had even disappeared from my Nelnet website accounts history. I attmeped to make the payment again, as this is a time senstive subject matter, as well as sent an email asking for help in Nelnets online cutomer service. The transaction was once again cancelled with no notification and deleted from my history, no email, nothing. After waiting two weeks, more than the alloted time that was said that they would respond to me ( 2-5 business days ), I still received no response from Nelnet. I logged into my account and attemped the payment again and sent another email via their customer service link, while logged into my account ( in this case I am clearly identifiable ) and the same events took place. No returned emails, no contact whatsover, and a mysteriously cancelled payment that once again did not appear on their website. This is extremely deceptive as it is in Nelnets favor to ignore my attempted payments, as they could charge a fee for a late payment or in my case they could have benefited from captalized interest. Thankfully after many days and numerous attempts I was able to make a successful payment before the end of my grace period but I am still extremely concerned as it has now been 3 months and I have not received any type of response from Nelnet. I know that my email address is correct on my account as I still receive automated emails from Nelnet about my statements but this is an urgent issue that could cost me and others money from deceptive tactics, especially young adults like myself who are just starting out in terms of banking and money.
On XXXX complaint XXXX to Citi Mortgage was issued, and I disputed it on XXXX. The response from Citi Mortgage states what is already in my documentation packet. The stated corrections in this response were already in place on my credit report when I submitted this complaint. I provided a snapshot of my credit report with a current status value of " 120+ days past due '' as of XXXX to a current status value of " Pays as Agreed '' on XXXX. I was not disputing the status of the account in this complaint. What I am disputing is the date in the " Date Reported '' field. It should not be XX/XX/XXXX. This was reported back XX/XX/XXXX, and should remain that way to show creditors that this account and issue is 5 years old. The company has not explained why the update to this account even happened XX/XX/XXXX. Why was the current status changed to " 120+ Days Past Due '' on XXXX. If I had not disputed this item, it would still be that way. The status was updated to Pays As agreed after I disputed it XXXX. This mistake has caused me to not get credit and pay higher insurance premiums. I want the date reported set back XX/XX/XXXX so that it is representative of when the settlement and release of mortgage was executed. Having a XX/XX/XXXX date as the date reported makes this appear as a current issue.
In XX/XX/XXXX, fraudulent charges were made to my account, which were disputed. Navy Federal Credit Union has made me responsible for these charges despite my efforts filing a police report and fighting the charges with the creditor. Navy Federal opened a new checking and savings account afterwards to which I have been using for over almost 2 years. I deposited a payroll check on XX/XX/XXXX, which was a temporary check from my employer until he received more business checks. The check was marked as fraudulent but I discovered that it cleared after receiving a statement in XX/XX/XXXX. After many calls to NFCU, I was not allowed to speak to security, my account access has been barred, my account was placed into deposit only status, and I now am responsible for paying off the former account before I can access any accounts. Nevermind the fact that I have to transfer funds to my XXXX child in XXXX  across the country, ca n't use my account for normal reasons, paying bills, getting gas, ect., having disconnect notices for utilities on the table and the only branch is a 2 hour round trip for me. NFCU has made my life a total living XXXX WRONGFULLY!
Equifax is showing a paid tax lien from California that was supposed to be removed from my credit report. I have disputed this to Equifax months ago and it is still in dispute
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. 
I am the Owner of XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
I borrowed XXXX. I have repaid over XXXX. They still say I owe over the amount I borrowed. Total scam.
I just checked my credit report and looks like I am responsible for a lot of credit card that do not belong to me or have my social security number on file. All those credit card except very few belong to my husband and I am

just authorized user. I do not like a fact credit card companies did that. It is wrong. It is also shows that my oldest credit line is 18 ye
ars old. This is impossible, because I live in USA just 6 years.

I will include copy of my credit report.
This is in regards to JP Morgan Chase. A lien was paid off in XX/XX/2016. The lien was never released. We now own this property and are trying to sell the property. The new buyer walked because they can not get clear title as this lien is still showing open. A lien should be released 60-90 days from payoff date. No one at JP Morgan Chase can give me any kind of update as to why this was not released. I have been trying for almost four weeks now to get this released and all they say is it 's being expedited. This is unacceptable. It has been seven months since this was paid off. It does not take this long to get a lien release. In fact, it 's illegal. They are preventing me from selling my property and now have made me lose a sale. I need to file a complaint as this again is illegal and unacceptable. I have spend numerous hours on the phone with them including right now as I am typing this. Totally illegal. Their website states it will release a lien within 60-90 days. Someone needs to be held accountable for this and do their job at the mortgage company. Crazy how I can payoff a loan for over {$100000.00} and not get what is due to me in return.
In a previous request ( XXXX XXXX ) I requested my mortgage company, Suntrust, to draft my monthly payment from my Savings account instead of my Checking account at XXXX XXXX XXXX XXXX XXXX. Suntrust acknowledge the change and verbally assured me the XXXX XXXX draft would come of Savings. In XXXX XXXX Suntrust Mortgage did not withdraw the funds from Savings and instead withdrew it from Checking. I did not have the funds in Checking so I received NSF fees in the amount of {$60.00}. I brought this error to Suntrust 's attention and my issue was not resolved as Suntrust concluded they had withdrawn the money from the correct account. Suntrust was 100 % wrong. In my frustration I removed the automatic drafting by Suntrust. I intended on paying Suntrust by ACH from my bank XXXX XXXX. On the next payment I found out Suntrust will not accept ACH payments from banks. I had to make a 1 time payment from the Suntrust site for my mortgage. Therefore, I signed-up on line with Suntrust again to withdraw payment from my XXXX XXXX SAVINGS account. This was a brand new set-up so I had high hopes it would actually work correctly. I received a confirmation letter from Suntrust they would withdraw, effect XXXX, payments from my account type S for SAVINGS ( please see attachments ). The next payment, XXXX, Suntrust AGAIN withdrew money from my Checking instead of my Savings. However, I knew this would be the case so I had the money in the account or else I would have AGAIN received NSF charges. Suntrust was wrong again, even on a brand new draft set-up request. This proves that though I am signed up properly to use my Savings account as the source of funds Suntrust still takes the money from my checking. I want the {$60.00} in NSF fees in the original dispute to be returned to me as I signed up properly then and they were wrong and they are wrong again. I have attached notices and bank statements showing the drafts were ALL from XXXX XXXX Checking ( C ) instead of XXXX XXXX Savings. ( S ).
pull up XXXX or XXXX on my online statement, its gone ( ironically ). THis is NOT the first time they did it, they have allowed XXXX XXXX to take money from me XXXX three times and said well if you authorized it once who is to say you didnt allow them to take it again ( which I didnt, I cancelled the account ) and they also did this with an depposit back in 2014, we made a deposit back in 2014 and the amount total we put down for the deposit they said was wrong, we kept doing the math and it was correct but they kept saying no your XXXX dollars over, well 2 years later, they send us a letter saying 'we made a mistake in a deposit you made in 2014, the original deposit amount was correct so we are sending you a check for the amount that was taken out ) now the account would NOT have been closed but THEY closed it after I kept calling about the charges to XXXX XXXX and I would NOT stop trying to get the money back they allowed a company to take without permission so they closed the account said thats done ...
I have an account  with Capital one Business Spark.  My account #  XXXX , #  XXXX . I have been receiving funds through the account. O n   XXXX   XXXX    ,2017    I tried to access my account and I could n't log on. I called  Capital one  Bank and spoke with  XXXX  in security department @  XXXX  and he stated they decided to close my accounts and not do business with me moving forward and that the funds in the account will be held for investigation.
I am filing this complaint against Bank of America due to fraud. I obtained a Line of Credit against a property in XXXX 2008 in the amount of {$100000.00}. At closing, I was given XXXX disbursements payable to XXXX XXXX for {$10.00}, XXXX and {$8500.00} for a total of {$19.00}, XXXX. The CreditLine Balance on XXXX XXXX, 2008 was {$25000.00} plus closing fees of {$10.00} for a Total CreditLine Payoff amount for {$25000.00}. I have been making payments of almost {$300.00} a month since. I received a letter last month stating that my payments would be going up to an estimated {$840.00} a month for 180 months. I spoke with a friend of mine and told him that I only owed {$20000.00} on my line of credit and that I should have paid it off by now. He asked me to fax him my closing documents and called me back saying that I was paying on a {$100000.00} and not {$20000.00}. He told me to go immediately to a local Bank of America Branch which I did. The woman at the bank said that she saw where I received {$19000.00}. I said that I did receive that but where was my other {$74000.00}. She said she did n't see any other disbursements listed. She then took me to another office where she called the fraud office for B of A. The lady on the phone told me that a forced advance transfer was conducted at a Bank of America the same day of my closing. It was for {$74000.00}, check # XXXX at Bank of America Plaza XXXX # XXXX. She gave XXXX fraud hotline numbers to call and file a complaint. I called and let them know what I found out which was XXXX XXXX and that money had been stolen from me years ago without my knowing it. I was just paying on it monthly without realizing. I received a letter via email 2 days later on XXXX XXXX saying that they conducted a thorough investigation of my claim and that Regulation Z provides a 60-day reporting period and that I waited too long. I did n't know but how can they just dismiss the fact that someone from the bank stole my money and that discrepancies in the paperwork was not caught by the auditing department or was not reported to the federal government. I know that many laws have been broken and because I have been paying monthly, makes this ongoing fraud. All I asked for was to find the money. I would like copies of documents used in the fraud/copies of all documents relating to my missing money, individuals involved, etc. from Bank of America. I am a customer so how can they just dismiss me when there is {$74000.00} missing. Please send this on so that I can get some help. 

Thanks.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Lending Club Corp Loan account .Ive Been trying to verify this account for four months from XX/XX/XXXX -XX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
There is information on my report that both of my banks have confirmed are not mine and should be removed. It was filed in a bank rupt claim XXXX years ago. The XXXX credit card in the dispute belonged to my sister. It list me as an authorized user from XXXX.
Hello, I signed up with Citi Executive Card because I was told it includes access to many Airport Lounges. However, after traveling to a few places in XXXX, I found out that the card is not accepted in those Airports. When I returned home, I called Citibank to cancel my card. I was told I will get {$450.00} annual fee credit back to my card since I was still within the 37 days allowed to cancel the card. Its been almost 3 months and I have yet to get the credit back. Every time I call, they tell me to wait a little longer. And now, no one asnwers from customer service. I am furious and this is unacceptable. I need my money returned to me.
communication tactics Seized or attempted to seize property Used obscene, profane or other abusive language continue to advertise property as foreclosure after debtor seek relief In the days following bankruptcy filling. the debt collector capital one, Na law firm XXXX XXXX XXXX XXXX have approved the use of XXXX or even orchestrated it .from evidence and actions and the pride inspired by this third party .the debt collector only way was to play on the old fear, bulling and treacherous. 
inflict XXXX to collect a debt, that include the third party inflicting XXXX orchestrated by XXXX XXXX XXXX XXXX and capital one, Na these debt collector moral compass is off course. they seem to have take the position that they are above the law. 
Portraying their actions as perfectly permissible. TO COLLECT A DEBT. The debt collectors CAPITAL ONE, NA XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX
Today I received a credit card from TD Bank and included in the envelope was a standard-form privacy notice. It said " we can share your personal information for our affiliates to market to you '' and " you can limit this sharing '' by calling TD Bank at XXXX. 

However, this is the wrong number. The recording requires entry of the customer 's account number and other information, but then says it 's the wrong number to call for credit card customers. It provides an option to be transferred to a different line, which requires re-entry of all that information and more, and then presents phone menus that do n't include any options for controlling privacy settings. I was able to reach a representative who just re-asserted that I should call the number listed on the page, and she 'd inform a manager of my complaint.
I was a victim of a fraudulent loan, I never received anyof the money.the loan agent collected the funds & dissappared, went out of business.sold the loan to another company, left me with Morgage payments.home forclosed & left homeless & in debt.
XX/XX/XXXX Equifax Equifax Credit Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX To Whom it May Concern : This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX XXXX XXXX. 

You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 


Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Barclay 's Reward Credit Card is reporting that I am more than 30-days past due to all of the credit bureaus. They are stating that the last payment they received from me was on XXXX XXXX, 2015. This is incorrect. I made a payment on XXXX XXXX, 2015, in the amount of {$200.00}, which brought my account current and prevented it from being late or being reported late to the credit bureaus. As of XXXX XXXX, 2015, I received notification that Barclay 's is reporting that they never received my payment of {$200.00} on XXXX XXXX, so they are reporting me to the credit bureaus as 30-days late. This is inaccurate. Barclay 's has opened up a " missing payment dispute '' case internally with themselves and I have provided them a copy of my bank statement showing where the payment was taken out of my bank account. They are still in the process of investigating this, but being reported 30-days late to all credit bureaus by Barclay 's is severely affecting my credit report and needs to be addressed immediately, since I have provided all the documentation to prove that I made my payment on time. Barclay 's needs to update my credit report to reflect that I am NOT 30 days late, since I have provided all of the documentation that was requested of me by them to support my claim that I paid on time and the error lies with Barclay 's.
Without my knowledge, my Macy 's account was tied to a separate American Express account. When I paid to the account number on my Macy 's credit card, which cleared, I was unaware I was paying to a XXXX balance American Express account, and not to my " Macy 's '' balance. Over the course of many months, I tried to reconcile this online, through the Macy 's website, but every time I tried to log in during the spring, summer and fall of 2015, I was told the site was " temporarily down. '' I called the number on the account at least 2 times and was unable to speak to someone who could tell me what was going on. Finally, after receiving a check from MACYS ( aka American Express ), for overpayment, the same month I received an invoice for slightly more ( due to the large missed payment fees ), I managed to get a call through to someone who understood what was happening and could explain where to pay. 
Last month I paid the full balance, and was told by the customer service rep that there would be no further charges. Then I received a bill for XXXX , apparently for some sort of balance fee, which I do n't understand. I paid that, but somehow it was mixed up again, and did n't post ( I have the bank statement to proove it ), and then received a XXXX $ bill for not paying the XXXX XXXX 
I have recently spoken with Macy 's and been assured that I have paid the XXXX $ balance, and they also told me my account was closed ... why I do n't know. That is fine, I wanted to close it anyway, but I 'm not sure if that type of closure affects my credit score.
On XX/XX/XXXX around noon time I start seeing notifications on my email saying that funds were sent to a recipient I was not familiar with, I did n't buy anything from XXXX never heard his name. After few minutes another notification came in from a different recipient and eventually total of XXXX notifications from XXXX different people, within probably an hour time frame, total of XXXX {$1400.00} were stolen from my PayPal account. I opened a dispute with PayPal and they agreed to refund XXXX {$80.00} of the stolen funds. They closed all XXXX other dispute claims saying that the transactions were made from my home XXXX therefore it does n't count as an un-authorized transaction. I must add that between the XXXX and the XXXX transactions I went in to my paypal account and withdrew the rest of my balance just to try and stop the bleeding. Never the less, the last unauthorized transaction was done after I withdrew the money so Paypal charged my CC. 
Pay pal will not provide any proof of where the money was sent from, they say you need to have a court order in order for them to release the info. 

They said that since I withdrew my funds on the same time ( does n't it make sense to try and save what you have left? ) and from the same XXXX then obviously those were an authorized transactions. 
I called them XXXX minutes more XXXX less after the last transaction to ask them to block my account. It is not that I waited days XXXX weeks before I noticed. Still they could n't have done anything to stop the transactions. 
If PayPal claims that the transactions were made from my computer than why did they refund XXXX of the un-authorized transactions? 
My wife and I are PayPal members since XX/XX/XXXX, I do n't understand why PayPal did n't investigate to find that if money sent so frequently to different recipients, different amounts and currency, why it does n't raise a flag? 
My CC is immediately cancelled XXXX blocked whenever my CC provider sees irregular XXXX abnormal activity, I know I am covered. 
With PayPal I feel completely XXXX and frankly I am not sure how to prevent it from happening again Thanks XXXX XXXX