WillisBack/dataset-financial-user-claim huggingface dataset:
I closed my bank account last week. I thought everything cleared, but did n't realize my car insurance had n't come out and even though I closed the account ( or so I thought ) the payment tried to pull. I got charged a NSF fee of {$38.00}. Another payment that was NOT authorized by us to come out was paid by the bank EVEN THOUGH I CLOSED THE ACCOUNT. That was ANOTHER {$38.00} charge. Now I 'm told that even though they are REFUSING to pay the car insurance bill, they are STILL going to charge the two overdraft fees that will come about from XXXX trying to withdraw. I called to speak to the branch manager but got someone else. She was going to supposedly talk to them about reversing the fees and NEVER called back. I was also informed today that even though I closed the account and SIGNED to close the account, it has to stay open for SEVEN days. I WAS NOT INFORMED OF THIS WHEN I CLOSED THE ACCOUNT. I had no idea it was even open still!!! Since when do bank accounts stay open after you close them? WHY did n't they just reject the payment?? KEYBANK is rip off. The customer service is terrible. I 've never had this issue with a bank in all my years. If an account is closed, it should be CLOSED.
They have called my sister three times in one day, on XXXX/XXXX/2015!
Springleaf is reporting a loan on my credit report with inaccurate information. They are reporting a high credit of {$3700.00} on XXXX and XXXX while XXXX is reporting a high credit of {$4100.00}. 

How can a different amount be reported to each of the credit bureaus? 

Also the last reported date is different on all XXXX. 

XXXX for XXXX, XXXX for XXXX and XXXX for XXXX. 

So that means everytime I submitted a dispute to the credit bureaus, a real investigation was n't done and they would just verify the account. 

How can you verify an inaccurate account and not change the last reported date? 

The account number is XXXX
I currently have an account with XXXX XXXX XXXX XXXX, and have had this account for many years. According to XXXX XXXX XXXX XXXX, my account is completely up to date with no past due balances, and certainly no balances sent to collections. I received a letter from Afni, Inc. informing me that I owe {$310.00} to the creditor XXXX XXXX XXXX XXXX. I believe this to be a scam. Unfortunately, this collections agency 's scam attempt is showing up on my credit report and negatively impacting my credit. I mailed a certified letter yesterday informing Afni , Inc. that I dispute the debt. I would like to get this inaccurate information removed from my credit report as well. Please help! Thank you for your assistance, XXXX XXXX XXXX
XXXX IS FALSELY REPORTING PUBLIC RECORD FOR XXXX XXXX XXXX BANKRUPTCY XXXX.SEE ATTACH.
Hello I had purchased American Express Serve Cards - total of 4 cards ( one each for my daughter / wife / father-in-law and me ). When I tried to register these cards on our name we were denied stating some issue. We were told to spend the balance on the card and close it. However they charged {$4.00} on each card after 30 days as we were not able to use the balance by then. 

The issue - if the card would had been registered on our name we would not have had those charges as the terms mentioned the same. But due to the issue with the registration process we had to pay the fees. Also using around {$500.00} from each card was not possible in a month and hence we were lost around {$19.00} and requested American express serve prepaid card company to refund it. But they did n't do the same. Need help here.
Company has failed to maintaining a system reasonably capable of receiving from CRAs information regarding disputes, including supporting documentation. 
Company has failed to conduct an investigation of the disputed information including reviewing : a. all relevant information forwarded by the CRA and ; b. the furnishers own information with respect to the dispute. 
Company has failed to report the results of the investigation to the CRA that sent the dispute. 
Company has failed to provide corrected information to every nationwide CRA that received the information if the information is inaccurate or incomplete. 
Company has failed to modify or deleting the disputed information, or permanently blocking the reporting of the information if the information is incomplete or inaccurate, or can not be verified. 
Total owed was XXXX due to XXXX.
I requested a copy of my free credit report from the XXXX agencies, I have received reports from XXXX and XXXX but nothing from Equifax. This is not the first time that I have requested my report from Equifax and did not receive it. I am being ignored by this agency.
I entered into a mutually agreed upon payment arrangement with XXXX XXXX XXXX and made several timely payments as agreed. In XXXX I made a payment to a representative over the telephone which was a few days past my due date so I called to make the payment personally. He told me no problem assured me the payment was applied and not to worry the payment arrangement is not affected pmnt went through. My account was sold to collection company Bay Area credit 1 week later and I was contacted by phone and bullied to enter the same arrangement with them. They assured me if I continued to pay as agreed on auto by from my checking account The collection would not be reported on my credit report so I did. They began taking different small amounts out the day before the agreed date in their name {$5.00} then the pmnt amount the next day from a trust account name? The the statements I received started reflecting the balance growing not declining o called to complain many times their story always changing. After making 4 or 5 payments on time by auto pay so they could not be late the reported to credit report anyway costing me valuable points and going against their word. However the original debtor should not have been allowed to give to collection in the first place and I believe it is a violation of law and the collection company should be fired and the original debtor also for a violation of fair debt collection and my debt cancelled as I have paid by now.
I requested a loan modification or refinance from Selene Finance. They sent me a list of documents I needed to submit, which I did. Then they requested completely different documentation and " deemed my application incomplete '' and denied it. This has happened at least five times. They refused to process my application for HAMP and HARP. They did not fully disclose the terms of " blind offer '' during mediation. They are in violation of TILA and now the company has been sold I do not know who I need to contact to resolve the mortgage. The company is the worst to deal with. Always a different person when I call. Always an argument. Never able to speak to a Sr. Supervisor. Corporate policy never disclosed and legal grounds supporting company policy never revealed.
HELLO IN XXXX I LOST MY WALLET AND IT HAD ALL MY PERSONAL INFORMATION STOLEN. IM STILL TO THIS DAY SEE CREDIT CARDS POP UP IN MY NAME AND I DONT KNOW HOW. I REPORTED THIS PROBLEM TO ALL THE CREDIT BUREAUS NOTHING. THE ACCOUNT SAYS IT IS CLOSED BUT YET IT REMAINS ON MY CREDIT REPORT WHICH IS AFFECTING MY LIFE. I CANT GET A CREDIT CARDS, LOANS A CAR A HOUSE AND IM TRYING TO BUILD MY CREDIT. IT WAS IN THE AMOUNT OF XXXX FOR XXXX XXXX IN XXXX AND THAT WAS THE LIMIT. IT SAID IT WAS CHARGED IN XXXX .IVE BEEN IN CALIFORNIA FOR THE PAST 5 YEARS. THEY SAID THEY WOULD REMOVE IT AND IT JUST SAYS CLOSED ACCOUNT ON MY CREDIT REPORT. ALSO XXXX XXXX   I LOOKED THEM UP I GUESS THIS PERSON TOOK A LOAN OUT FOR XXXX IN KS.ALSO XX/XX/XXXX FOR XXXX XXXX  NOT SURE WHAT THAT IS BUT ITS IN THE AMOUNT OF XXXX ALSO XXXX XXXX IN THE AMOUNT OF XXXX. PLEASE IM JUST TRYING TO GET THIS ALL RESOLVED SO I CAN MOVE FORWARD WITH MY LIFE. I HAVE A XXXX XXXX XXXX XXXX  AND JUST GOT ENGAGED. PLEASE HELP
I have terminated my contract with XXXX on XXXX of XXXX they kept charging my account so I had to dispute it with my bank. XXXX did fail to provide the proper documentation supporting the legitimacy of these charges, so my bank closed the case to my favor blocking further charges from XXXX. 

On XXXX of this year XXXX I was surprised to see on my credit report that on the XXXX of XXXX XXXX they have sent me to collection for the amount of {$370.00}. I have no idea where this amount came from nor have I received any notice about it. 

Hope you can help me sort it out and maybe get this off my credit report since it did impact it significantly. 

Thank you so much and have a wonderful day
I have been trying since XX/XX/2018 to close my XXXX XXXX secured credit card with XXXX XXXX, I called them in early XXXX and was told I could credit not close the account over the phone. I sent a letter asking them to close my account and correct my payment history they sent me a letter back saying that my history was correct I then called them again and asked to close my account and was once again told I would need to submit it in writing. I sent another letter telling them I was in az because my daughter has XXXX  XXXX and I could not afford the card any more at this point I was not 30 days late but I did have a XXXX dollar late fee added to my balance. they still will close my account and now my balance has went from XXXX to to XXXX dollars and 60 days late.
On XX/XX/2018, I called Experian to ask why an old paid-after- charge-off account was still on my credit report given it was time-barred under XXXX  XXXX. A representative told me that the relevant account would not be removed until XX/XX/2018 based on the way that Experian interprets the relevant statute. 

I am writing this on XX/XX/2018 ( and past regular business hours at Experian 's main office ). Although several business days have passed after Experian 's calculated age-off date of XX/XX/2018, the relevant account remains on my Experian credit report, ordered under an hour ago. 

I had hoped to solve this problem with a phone call rather than go through the dispute/reinvestigation process because that can take another 30 days, and no " investigation '' is needed -- an Experian employee need simply look at the relevant date on the account. Unfortunately, Experian has a practice of screening its callers in order to prevent people who have previously complained about state and/or federal law violations from being connected with a customer service representative.
I lived at the apartment complex in XX/XX/XXXX and moved put after lease was up. Moved back in XX/XX/XXXX and had no problem. In XX/XX/XXXX I had a XXXX XXXX and was unable to care for myself and my XXXX  yr old son. I talked to the manager and he asked for letters from my Dr that I was unable to be alone. He asked to clean apartment and leave ready to be rented and he would write a letter that I would be released from my lease. I had the apartment cleaned by a cleaning the company and had carpet steamed cleaned. I had the office come check they said it was good. To come back the following Monday this was Wednesday. I returned on Monday the apartment was rented and he said he was no longer the manager and I would get reported and he would ruin my chances to ever rent unless I paid XXXX. I talked to them numerous times to try to come on agreement but they would not work and said they would keep putting it on my credit report.
I 'm trying to use active hours to get a advance and Bank of America is making it to where I cant. I 'm in a emergency situation.
I owe USAA about  XXXX  in credit card debt at 18 % interest. The card is closed. I lost my fulltime job last year when I experienced a health crisis and have been sporadically part time employed since then. I am also going to school this semester to use my post  XXXX  GI bill benefits. I can not pay more than about {$100.00} amount but my bill is usually upwards of {$150.00} and they add a late fee every month. I have asked for a reduced rate and if I could qualify for some sort of hardship program such as  XXXX   XXXX  gave me. They referred me to an in house member debt assistance which told me I do not qualify since I have too much debt to be successful in the program. This has been going on for about 2 months. Recently in the pa st 2 weeks they have started calling every single day at least 3x. Wh oever calls does n't seem to know much about my problems, so I have to explain every single time, I think that they do n't even bother to keep notes.
On XX/XX/XXXX, I disputed a charge that was made on XX/XX/XXXX for tickets to the " XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX '' for a total {$100.00} for the reason that the event was not as described and used misleading advertising.

Chargeback Dispute Details The advertising was misleading as the ticket name indicates this was to be a " XXXX XXXX XXXX XXXX ''. Further in the ticket description it was indicated that balloons would be available " weather permitting ''. However it was not indicated that " weather permitting '' meant winds of less than 10mph, which according to XXXX and other weather sites ( XXXX XXXX XXXX ) the average wind speed in XXXX in XX/XX/XXXX is 10mph, meaning that a balloon launch was unlikely. The 10mph wind limit was not listed anywhere in the ticket description nor on the website ( XXXX XXXX XXXX XXXX ). The event had a strict no refund policy which they iterated many times and would not offer a refund when requested via XXXX. They only offered a chicken dinner as substitute for the balloon ride passes which I did not accept. Without the balloons, the event is not a " XXXX XXXX XXXX XXXX '' but a XXXX XXXX   with a few food vendors. I was not the only one who felt scammed by this event. Many negative comments were posted to the XXXX XXXX XXXX page, but all were deleted. I suspect that XXXX XXXX also shutdown a XXXX group set up specifically for complaints for this event. Fortunately though, they weren't able to take down the XXXX XXXX XXXX article that was published detailing the many complaints for the event ( XXXX XXXX XXXX ).

As further evidence that this event was a scam, note that one of the partners of the organizers of the event, Senator XXXX XXXX  ( XXXX XXXX XXXX ) was previously investigated by the XXXX XXXX on suspicion of using funds from his charity polo match " XXXX XXXX '' to fund his political campaign ( XXXX XXXX XXXX ).

Dispute Process With Citi After I failed to get a refund from XXXX/XXXX XXXX I filed a chargeback request with Citi online. The only contact information I was given with Citi was a fax number which was to be used to fax supporting documents ( attached ). I never received followup that these documents were received. I attempted to call Citi several times with their customer service number ( XXXX ), but when routed to the Dispute Center, you are only given an automated message with the status of your dispute. You are not given an option to speak to a customer service representative to provide more details. I am extremely disappointed in Citi for this impersonal treatment. The only notifications I got from Citi was when they received a response from the merchant on XX/XX/XXXX and then another notification on XX/XX/XXXX that they reversed the chargeback in the merchant 's favor. The only details I received from them was a scanned copy of the merchant 's response. I received no confirmation that Citi ever received or used the information I sent them. I have no indication that Citi even bothered to read the information I sent.
originally in XXXX I received a call from capital one indicating I had a balance over XXXX $ on my account. I went through my accounts with capital one and informed them that I did not own that account and that it is a fraudulent claim. there calls are recorded for quality assurance and they should be able to pull up the recorded calls. I advised them I had no knowledge of the account. the representative said she will investigate and call back. few months later my employer received a wage garnishment issued by the courts regarding the account I was called about. my employer advised me that she was to honor the court report to fulfill the court order. I filled out the financial statement presented to my employer and weekly there were sums of weekly XXXX $ collected in addition XXXX $ weekly for debt assessment fee. Now they are claiming that I still owe {$2100.00} and they are claiming that they will continue my wage garnishment until another XXXX weeks. based on the statements provided the attorney have paid themselves and later started paying against the judgement from XXXX XXXX of XXXX I have been paying out of my paycheck and still the attorneys are claiming that I still owe them money on an account I had never used nor had any knowledge about. I am requesting that capital one send me the original agreement with my signature indicating this is my debt. They are harassing me through my employer with continuous wage garnishment.
On XXXX XXXX, 2015 I applied for a housing loan with XXXX XXXX, the loan officer at Citizen 's Bank in XXXX, PA. I had already pre-qualified and found a property to purchase as an investment. I have great credit and was able to provide documentation as to the sources of income that would be used for down payment, closing costs, etc. The closing date was to be XXXX XXXX, 2015. But then, the bank decided to change the terms. On XXXX XXXX, XXXX called and said that I needed to have fire insurance on the property. I did obtain insurance even though I had been forced to sign an extension and at this point, we no longer had a closing date. After submitting more financial records, I was then informed that, since this was an investment property, I would need to have additional funds in addition to a 20 % down payment. They wanted me to have XXXX months mortgage " reserves '' for my home residence, for the property being purchased, AND for a rental property that I already own. This was NOT disclosed to me from the start, and even if I could come up with the extra reserves, the funds would not have been " seasoned '' enough for their liking. I then came up with a solution : since this property is nicer than the home I live in now, I offered to purchase the property as a residence to live in. That would lower the down payment and eliminate the need for reserves. With the loan officer 's assistance, we drafted a letter to the underwriter, XXXX XXXX, detailing the reasons why it would benefit me to buy this house to live in. She refused to restructure the loan and inferred that I was a liar. And while trying to do whatever I could to make things work, what followed was weeks of asking for more extensions, not answering my phone calls, and supposedly waiting for " paperwork. '' Then I was told that I could apply for a " family loan '' by purchasing the home for my son to live in. I was willing to do this, but several more weeks passed with no phone calls or correspondence ; except for our real estate agent asking for more extensions. Finally, on XXXX XXXX, it was suggested that they may have another lender that could help me. At this point, the contract would expire the next day and I decided to terminate the agreement. I had already spent close to {$1000.00} to obtain a property inspection and an appraisal ( requested by the bank ). In addition to the funds lost, months of time were wasted in which I could have pursued a different lender if Citizens Bank would have been honest from the beginning. This whole process was a nightmare. The regulations in place to prevent someone from getting a loan are ludicrous. However, the situation was made even worse by Citizens Bank for stringing me along while I spent money and made arrangements to occupy this property. And the other victim is the seller who was under the assumption that their home was being purchased and therefore, lost months of time that could have been used to market the property to other potential buyers.
My Bank of America debit card was charged on XX/XX/2018 at XXXX XXXX XXXX XXXX for {$15.00}. I had not originally noticed the charge however the following day my account was charged again for {$230.00} from XXXX XXXX XXXX New York and {$12.00} for a Taxi XXXX XXXX XXXX. Being that I did not make these payments, I reached out to my banks fraud team. They refunded me the money however in XX/XX/2018 took back two charges for the taxi and XXXX stating since I live in New York these charges could have been possibly made by me as they are in XXXX New York. At the time of the purchases I was in XXXX on XXXX XXXX and could not have been in XXXX or at the XXXX located 30 minutes away from my job while at the same time purchasing lunch in XXXX. I explained this to them and the representative agreed and escalated the situation for further review and requested I submit a letter stating this. I heard nothing back for months while not being credited back the funds. On Friday, XX/XX/2018 my card is suddenly overdrawn. I call Bank of America again thinking a charge was once again unauthorized to find out they reversed the larger claim for {$230.00} as well stating the hair salon is also located in New York and a chip card was used for the transaction. They stated since I had the card still with me someone had to have taken the card as chips can not be duplicated. I explained to them that I did not make the charge and could not find a XXXX XXXX XXXX location in New York. They then proceeded to tell me the address to a home apartment building the charge came from which was also located 2 minutes from the XXXX XXXX. The representative looked up the location and stated they could not find a phone number or entity listing for the name charging my card. They also stated they could not put me in touch with the Bank of America investigators because they do not have a contact for them. The most they can do is put notes requesting a call and the investigators can decided on calling me back but it is not guaranteed. I have banked with Bank of America for almost 15 years and have never filed a claim with Fraud. I can't believe I can't even speak with a fraud investigator to see how they did their due diligence before denying me a claim that is obviously shady.
After repeated attempts in XXXX and XXXX of 2016 to make an extra monthly payment of {$350.00} on my student loan online I called Navient to attempt to make a payment over the phone. The Customer Service Representative I spoke with in XXXX told me I was unable to do that because of " company policy ''. Then I called again in XXXX to try to make another payment over the phone and after haggling with rude CSRs again they told me my payment of {$350.00} would go through. After checking my account balance on XXXX I found that, though they did process my payment of {$350.00}, they made an unauthorized additional payment of {$350.00} without my permission. 

When I want to make extra payments they tell me I ca n't make one. When I do n't want to make extra payments they take my money without my permission. Their customer service staff is rude, dismissive and unprofessional. Their payment staff is ignorant and completely incompetent.
I am lodging a complaint against Midland Funding LLC XXXX XXXX, and XXXX as they are motioning for wage execution for a debt that I do not owe. I have explained to them that the debt was not mine, and they have not presented evidence to counter that. I have written to the court to dispute this, and they are still attempting to go forth with the motion despite my insistence on the fact that I did not make whatever purchases they are accusing me of, and are attempting to collect my wages.