WillisBack/dataset-financial-user-claim huggingface dataset:
I open a Merrill Lynch investment account a few years back. They recently closed my account because a check was deposited in error. The day prior to them closing my account, I made a deposit at the ATM for {$60.00}. Upon closing the account, they sent me a check for {$.00}!!!!!! The is the second time in 2016 where they have stolen from me!!!! A few months prior, they stole {$150.00} from me and refused to return it! They mentioned it had something to do with fees, however when I asked if they could provide me a copy of the fee schedule, as it was never disclosed upon opening the account, they could not the fee schedule!!!! This is because it simply does not exist!!! Please help me mitigate this situation. Thank you.!
There is a chargeneral on my XXXX report for the amount of {$94.00}. I contacted the collection agency by the name of IC Systems Inc. and the advised me that it would be removed. This was threw months ago and it still reflecting on my acount.
i would like to file a complaint against BB & T for unfair overdraft fees. I appreciate that the banks offer of overdraft protection however, in 2015 I have paid over {$1000.00} in fees. Just in XXXX 2015/XXXX 2015 my fees alone totaled {$360.00}. I have reached out to the bank for assistance and they will only adjust your account for overdraft fees every 24 months.
I used lending XXXX to view my credit score for free. The site kept asking my why I am checking my score. I chose anything in the drop down menu in hopes it would stop asking me the reason for checking score. after I chose auto refinance which was picking anything it asked me a series of questions. I answered them. It did NOT STATE IT WAS SUBMITTING AN APLLICATION TO LENDERS FOR ME! I t did not even ask me if I work or what my income is. I gave No pertinent information to incline it was an application. Next thing I know I am receiving emails from companies about an " application '' submitted! This put a hard inquiry on my credit report. I did NOT authorize this application! 
I am in the middle of applying for a mortgage and would never apply for credit at this time. I called the called the companies and explained this. They are not willing to remove the inquiry from my credit even though I did not know it was an application. I have called XXXX and complained to them about their site. They make it look like a screening tool when it is actually submitting an application. No where on the site did it ask If I would like to submit an application. very misleading and I want the inquiry removed.
I have been making monthly payments of {$660.00} since XX/XX/XXXX. I wrote down my balance due on my student loans on XX/XX/XXXX and some have increased over the past ten months. 
XX/XX/XXXX XX/XX/XXXX balance due {$79000.00} {$78000.00} {$1500.00} {$1100.00} {$1300.00} {$1600.00} {$780.00} {$1000.00} I have XXXX more loans but this is a representation of what is happening to my loans.
I just got a letter from wells fargo about a dispute that i have received. They told me it was me, when i was clearly out of the country for 2 months. They said the signatures matched .... I ALWAYS SIGN THE BACK OF MY CARDS ... this is also Wells fargos fault because they did not check for ID at the store. I always place a note on the back to Check for ID and also I SIGNED THE BACK OF MY CARD. that is why the signature matched ... the thief just copied my signature. I really dislike wells fargo ... That is why i never would bank with them again .... I have tried to reach out to wells Fargo multiple times but no luck getting to anyone who wants to help me. I really hope XXXX XXXX changes to a different bank ... i
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 30 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I made a payment on debt with account number. Payment was applied to another account. I was then told that If I did not make another payment garnishment process would continue.
XXXX XXXX XXXX shows a late payment in XX/XX/2011 that is incorrect.
paypal changed my account form regular paypal to paypal credit without myapplying for credit, then failed to send accurate statements so I did n't know I owedanything until fees started to add up..with XXXX dollars of purchases the bill isXXXXXXXX in 5 months ... when I called to complain I got the run around.. no resolution
I am a   XXXX   XXXX   XXXX   working towards a  XXXX   XXXX , I am a widow ( I am awaiting widows benefits from Social Securit y ),  and I am a single parent with dependents. My father,  XXXX   XXXX   XXXX , bought the home in  XXXX   XXXX  but unfortunately passed away on  XXXX   XXXX ,  XXXX . I inherited the home along with the inherited debt which I did not plan for financially. I am on scholarships, grants, and student loans  which pay for my living expenses each semester I am in college. I called the 21st Mortgage Company to  set up a payment arrangement for the month of  XXXX  as it was the end of my funding for the  XXXX  semester. They were rude, unwilling to work with me, stating that I should have budgeted for the mortgage with my monies from school. They have called me daily and e-mailed me consistently on  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  with harassing messages. They are aware of my financial situation but they continue to call me and harass me daily. It is unbearable, it puts added   XXXX    on me and my family, and I will not be subjected to their unlawful practices any further. I have tried to work with them but I will not tolerate their demeaning, rude, and harassing behavior.
Nations Recovery Center XXXX is trying to collect from me a judgement they say I owe from 2007 in the amount of {$1000.00}. I signed a consent judgement and paid directly to XXXX XXXX XXXX XXXX XXXX, XXXX in the amount of {$780.00}. I sent a letter to Nations Recovery stating this exact information and they in return send me a copy of the consent judgement. They have not sent any proof from XXXX XXXX XXXX. I feel they are pulling information from XXXX XXXX online court system and trying to fraudulently trying to collect money from me.
On XXXX XXXX, XXXX I submitted a CFPB claim no. XXXX to Experian to initiate an investigation on how several items that were reported and some that they are still reporting as a result of an Identity Theft claim was affecting my credit score and requested them to recalculate my credit score accordingly. 

The company on XXXX XXXX, XXXX responded that they could not continue processing my CFPB claim because the address I submitted in my claim was incorrect and this is false. 

The address on this claim is fully correct and was corroborated by them. I sent them proof of address back in XXXX XXXX, XXXX and they have been sending me all the correspondence to the address added in the claim. 

I have attached the last correspondence received from Experian showing the same address added to the claim above.
XXXX XXXX has failed to produce a right to cure required by my state, committed libel by notating my account as fraud, disclosed privacy to a third party, threatened and harassed via phone calls, called multiple times within short times, told many different stories regarding my account, failed to produce a requested contract.
My mortgage was transferred from National CITY XXXX to PNC Mortgage holder. PNCrefuses to correct principal/interest payments on my mortgage. The incorrect applied payments continues to consistently be redirected on the amount owed on the loan. Theseactions over the past nine years promotes REDLINING.
I opened a new card at AMEX. The account was opened for less than a month and AMEX requested to see my prior tax returns from the past two years. I specifically told AMEX that I had not filed my taxes yet and I requested an extension on for them. They told me I need to file my taxes and I had 15 days to do so. I filed my taxes in order to keep my account open and filled out there requested information. After the 15 days, I called AMEX and they told me I had not filed my taxes and closed my account after I did exactly what they told me to do. Also, AMEX has lied to me of when payment was due. I offered for AMEX to see my returns and they rejected my request. I have called multiple times to get this issue resolved and AMEX has not done anything to help me as far as keeping my account open
XXXX  has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX  was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I have been trying to get my free Equifax credit report. Every time I try to do the request online the security questions does not apply to me. Due to the hacking attempt I will not submit my personal information to Equifax to prove who I am. I DO NOT TRUST EQUIFAX OR ANY OF THEIR EMPLOYEES. 

I do not want Equifax try to send my credit report to my home address. Tell them to send the report to the following law firm. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TENNESSEE CALL XXXX - Ask for XXXX
They are charging me for a student loan for XXXX College in the year 2005. I never attended or took out a student loan or attended school that year. I 've told them about it and nothing has changed on my account. I asked that it be removed and drill nothing.
This account was fraudulently used. The balance on my XXXXs report is incorrect. Please clear this matter up ASAP.
My mother took out a reverse mortgage for about {$110000.00} in XXXX on her residence in Florida from Financial Freedom, now a division of CTI bank. She had to be moved out in XXXX XXXX and is now in a XXXX with XXXX. Leaving the home triggered the foreclosure process. The balance on the loan is more than the house is worth today. We tried to do a deed in lieu of foreclosure with Financial Freedom which was denied. We tried to do a short sale, listing the home with a realtor, and received an offer for {$69000.00} after lowering the price to that after 5 weeks. I sent in the paperwork and Financial Freedom came back saying the house is worth {$110000.00}. As instructed by the lender, we rebutted, providing XXXX local comps at around {$70000.00}. They rejected the rebuttal and asked if the buyer could make up the difference. The buyer withdrew the offer, and the realtor said they wo n't list it for more than {$69000.00} because that is what house is worth.
XXXX XXXX XXXX, XXXX inaccurately furnished information to collecting agencies regarding an alleged debt owned by them, when this was in fact misleading and inaccurate and known to be misleading and inaccurate. 

I requested a validation of the alleged debt XXXX XXXX XXXX claimed is owed but never received such validation. 

1. I have attempted to contact XXXX / Experian multiple times for them to rectify this mistake but none have done so. 

2. I believe that their conduct violated the RFDCPA and FDCPA in multiple ways, including but not limited to:3. I have contacted Experian via certified mail and they have done nothing at all and continue to report this collections item on my credit report. 




The credit report provided by experian have been and continue to be disseminated to various persons and credit grantors, both known and unknown. 

XXXX And Experian damaged, and continues to be damaged, in the following ways : a. Denial of credit by at least one lender ; b. Emotional distress and mental anguish associated with having incorrect derogatory personal information transmitted about Plaintiff to other people both known and unknown ; andc. Decreased credit score which may result in inability to obtain credit on future attempts.
I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed.
Ive own my home for 9 years and the payment has been ridiculous because of the pmi. 2years ago i had a conversation with lender about getting the pmi removed and they told me over the phone that XX/XX/2018 it would drop off. It has not and cost me XXXX extra a month. All they do is deny any conversation when i had written everything down the day of the conversation. Ive always been on time wth payments just seems as if my balance never moves. PMI is a joke.
All of my loans should have been forgiven. I have been a XXXX  in XXXX XXXX XXXX  for 14 years. XXXX XXXX, a critical needs area. The reason why I got into XXXX  was to get my loans forgiven, however that promise has not been kept. Quite to the contrary the capitalization of interest has doubled my loans, Even with a XXXX payment I can not get a house, or a car. But this is how we treat out XXXX
This is the third complaint I am filing against Chase Credit Card Services. The following will provide the information I have reported to the XXXX CEOs of Chase Bank. I am assuming that they have received the e-mails, although they have not responded. The content of the e-mails regarding this most recent complaint is as follows : To XXXX CC XXXX Message body Dear Sirs : I had written to both of you on XXXX XXXX, XXXX and, once again, XXXX XXXX, XXXX explaining the various complaints and issues I have been experiencing with Chase Credit Card Services. I have filed two complaints against Chase with the Bureau of Consumer Financial Protection and now am going to write for a third time to the Bureau to register another new complaint. 
I check my Chase on-line statement twice a day. When I checked it this morning, the balance was approximately {$320.00} which was correct ; however, when I checked it this evening it was {$410.00}. I did not see any new charges posted to the account that would have caused the additional amount to be added ; therefore, I immediately called Customer Service and was told that a charge had re-posted to the account which had been a fraudulent charge posted by XXXX to my account ending in XXXX. At that time, the Fraud/Security Department had advised me that they would close that account and send me a new credit card with different numbers, which they did. I was also advised that I was not responsible for that charge. I had not only contacted Chase about the fraudulent charge but also XXXX ( which they never responded ) and also the BBB to report the fraudulent activity. I do not know how XXXX got my credit card number but I am adamant about never using their services and therefore not responsible for this charge. Why would this charge be re-posted to my account without notifying me? If it was a fraudulent charge then, it is surely still a fraudulent charge now and I am going to dispute it once again. 
I have been so upset because I have been working with your Corporate team to try to get so many issues resolved and now I feel that Chase has compromised my identity, etc. They are authorizing changes to my account that I never made. I have been asking that they listen to the numerous calls and find out that it was not me that reported a fraudulent charge on XXXX XXXX or told them that I lost my credit card. Over the weekend, I received another new card with new numbers which I knew nothing about and was told that they closed my account ending in XXXX because of either a fraudulent charge or a lost card, none of which I was ever aware of. I am considering filing a complaint in small claims court against Chase for all of the stress and expended time and energy I have had to deal with over their numerous mistakes. 
I will continue to write to both of you until I hear from someone in your office or, in the alternative, until my situation is resolved permanently. 

XXXX XXXX XXXX, PA XXXX XXXX
On XXXX XXXX, 2015 I received a notice from my mortgage servicer ( Shellpoint Mortgage Servicing ) that my mortgage was past due for the XXXX XXXX, 2015 payment. I promptly contacted them and faxed proof that my payment had cleared my bank account on XXXX XXXX, 2015 through electronic payment with a note indicating payment went to them. I have since spoken with XXXX representatives and XXXX manager and still can not get this matter resolved. I have been placed on hold for 15 minutes, disconnected twice, and have left numerous messages. On XXXX XXXX the manager, XXXX XXXX, indicated that they had verified my payment arrived in their bank account on XXXX XXXX, 2015 and they were trying to get it transferred to my loan account. I informed him that was very concerned about the late fees, interest accruals and credit reporting issues that come with this type of error. In fact as of XXXX XXXX, 2015 my account was showing as being 30 days late in their system and subject to credit bureau reporting. I have not heard back from anyone since XXXX XXXX, 2015 regarding a final resolution and would appreciate it if you could help.
I have tried to contact the credit agencies, but they ask questions which do not allow me to validate who I am. They ask about people owning property in Wisconsin, none of whom I know. I state that and they reject me. My credit report says derogatory, but I have proof from XXXX that they would remove the derogatory status. That was two years ago ( XXXX 2014 ) and it is still there as {$690.00}. I have uploaded the proof here. The credit companies make us go through loopholes to prove our existence, which are ridiculous. I can tell them every tax return for ten years and other info. but they will not ask questions I can actually answer. So my credit score suffers still. Please see point one in the settlement and release. I have also attached a screen capture of my " derogatory '' status. Please help.
I contacted Equifax on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX.
hello, my name is XXXX and my reference number is XXXX i join the college on XX/XX/2016 when i add a class i had did all the paper work for FAFSA . because every time i add a class i did a FAFSA. i had summit all the paper work that FAFSA needed and they said everything has been done that i do n't have to worried that i can start classes because FAFSA had paid everything. i called the college and talk about the issue and they are not helping me at all. so college is making me to pay it twice. i do n't work and i can not make a this payment. we go college for batter education not to pay the amount twice.
Hi my name is XXXX XXXX wellsfargo bank charge me XXXX over draft fees cost me around {$310.00} dollar. I am a student I ca n't pay {$310.00} I asked them to waved that fees because they sign me up for overdraft protection over the phone and did n't educate me at all I end up getting {$310.00} charged please if it possible to tell them to waived that fess. According to the research and articles wellsfargo made XXXX XXXX in charging students and customers in overdraft fees please contact me XXXX
As ofXX/XX/XXXX, an agreement was reached with the CRAs to remove any tax liens or civil judgements that did not include a Name, Date of Birth, Full Social Security Number or Date of Birth. All three of my State of Georgia tax executions have been paid, satisfied and cancelled from record. However, the liens are still showing on my credit reports and do not meet the new reporting standards. My Date of Birth nor my full SSN are listed on any of the executions. I have disputed this information listed under the Public Records section with XXXX, XXXX  and Transunion. XXXX did remove the liens from my credit file. However, XXXX and XXXX only verified the records. I've contacted XXXX customer service and was told that they use a third party to obtain and verify public records. I was advised to contact XXXX to dispute this information. I contacted XXXX and initiated a dispute of my Public Record information listed on my XXXX   report. I received a letter datedXX/XX/XXXX stating the that information was deleted from my record. However, XXXX never updated there system and is still reporting this information as of XX/XX/XXXX.I also contacted Transunion customer service and was told the information is correct and that I would have to wait 10 years from date of filing for the records to be removed.   I have attached copies of all three tax executions and the letter from XXXX for your review.
I applied with Quicken Loans to purchase a home in XXXX. Our current residence is XXXX and I am a XXXX, XXXX employed for over XXXX years. We have high credit scores, a low debt to income ratio, and we are paying almost XXXX percent down. The reason for our decline is that Quicken is stating they will not do a loan for a XXXX employed person moving out of XXXX. This is quite a statement coming from a company who markets all over the United States. I can do business in XXXX or any State from any location. Our company has the tools to use the internet to conduct our business without having to meet face to face. My wife and I have been discriminated against based on a XXXX employment income. We have a ten thousand dollar deposit on the house and may very well lose that deposit.
On XXXX/XXXX/16 I applied for a Citibank Citi Gold Account over the telephone. During the process, I provided a promo code that I received that would award me XXXX XXXX XXXX once certain requirements were met at a specific time. I was informed by the Citibank agent that I qualified for the promotion and that once I completed the requirements, I would get the XXXX XXXX. I 've aleady met the requirements. However, Citibank is denying me the miles as they now claim that I was not " targetted. '' I understand that Citibank records all conversations and that my application over the phone was indeed recorded. I went ahead and opened such account with the promise that I will be awarded miles once I completed their requirements. I did my part, now is up to Citibank to do theirs and honor what they said.
I PAID XXXX {$270.00} THAT THEY SAID I OWED THEM. IVE NEVER RECEIVED ANYTHING BY ERC TO SAY I HAVE AN ACCOUNT WITH THEM. 

ERC KEEPS REPORTING AN OPEN COLLECTION ACCOUNT FOR {$270.00} EVEN THOUGH IT HAS BEEN PAID TO XXXX. 

THEY KEEP REPORTING ON A NON VERIFIED ACCOUNT. IM NOT GOING TO PAY TWICE FOR THE SAME THING. ITS LIKE THEIR TRYING TO BLACKMAIL ME INTO PAYING TWICE. I ALREADY PAID XXXX AND ERC WANTS MORE
Every year around tax time I receive notification from a collection company being hired by XXXX XXXX XXXX saying I owe money I dont owe when I was a student at XXXX XXXX which is also known as XXXX XXXX XXXX XXXX XXXX. The school is now called XXXX XXXX XXXX XXXX XXXX. It was a XXXX XXXX program. The current collection company contacting me is convergent outsourcing. Last I spoke with XXXX XXXX XXXX XXXX XXXX   my account is paid off.