WillisBack/dataset-financial-user-claim huggingface dataset:
I have set up a pay my bill with XXXX XXXX to pay my mortgage at Valley National. Valley National complains that they are getting the payments late because they are mailed to them by XXXX XXXX. When I asked if they can get the payments wired to receive quicker they say that the option is not possible through Valley National. I 'd like to understand why with the technology available these days why this is not possible. The only reason I see is that Valley can charge late fees by saying they have not received the payment.
I contacted Transunion in regards to  two  different computer glitches that took place in   XXXX  . Originally my inquiries were removed from my credit files but then were placed back on without my knowledge.  <P/>  XXXX   XXXX   XXXX    XX/XX/XXXX      XXXX   XXXX   XX/XX/XXXX      XXXX    XXXX   XXXX   XXXX     XX/XX/XXXX       XXXX   XXXX      XX/XX/XXXX      XXXX   XXXX  XX/XX/XXXX     XXXX    XX/XX/XXXX   XX/XX/XXXX      XXXX   XXXX   XXXX    XX/XX/XXXX    .  XX/XX/XXXX      XXXX    XX/XX/XXXX
I have applied for loan modification and have given Bayview Mortgage all my info and income and been denied laon modification, I am  XXXX   XXXX   XXXX  and have asked for assistance but yet been denied. I am very able to start making mortgage payments and get back on track, just need a loan modification for the past due amount. I am asking for assistance and yet can not get any help. Please help me.
I never knew about this payment from XXXX. I have never made a late payment and now I see this has been sent to collections. I was not aware of this payment. My credit score is extremely low and I have been working hard to keep good credit. If I was never informed about a payment how is that fair that it is sent to collections because like I said I always pay things on time.
Hi, on XX/XX/2017 I went to withdraw cash from bank of America, I told them that I lost my debit card and them I was asked to provide ID, SSN & my Pin, well I did, while I was waiting for the teller to process my transaction, she kept looking at me for few minutes and then called her manager, who approached me with anger and asked me to have a sit and wait for here without any EXPLANATION for the reason, I started getting nervous and refused to give up my turn and just sit..after that she said that she will call the Police on me and get me escorted out..this is when I took my ID and left because I have my kids in the Car waiting for me with their mom.. I was treated like a thief or scammer even with all the proof I provided..also I was declined to get my OWN MONEY ... Manager name is : XXXX XXXX,. Adress is : XXXX, XXXX XXXX XXXX. XXXX, NY, XXXX.
I have been awaiting debt validation from this company since XXXX 2014. I sent them a debt validation letter on XXXX/XXXX/14, however to date I have yet to receive any documents from them. I have sent a failure to validate debt letter to them too and still no response. The illegal thing is that they continue to report to my credit reports monthly since I have requested validation.
Every year I apply for income based consolidation it takes forever, every time I call I get different information from different representatives that always contradict eachother. I was on an income based repayment for two years because I was informed that it was my best option for repayment. What was n't explained to me was that my income based payment each month only covered the interest that was accruing. I was paying for two years and my loan payment was not going down at all. I spent all of this time and money wasted and it was n't doing anything except benefiting the student loan company.
On XXXX/XXXX/16 a XXXX XXXX refund check was credited to my Citicard account in the amount of approx {$7400.00}. This was because our planned cruise had to be canceled I request that a check for the refund be mailed to me on or about XXXX/XXXX/16 I was told that the check would be sent within 5-7 days It is now XXXX/XXXX/16 and I have not yet received my check. My account balance shows a - {$7000.00} balance so I know check has not been issued
It appears that the credit bureaus are reporting inaccurate statuses - never delinquent in 2008. Original creditor refused to remove this information.
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I never received a letter from them indicating that owed them, therefore I was not afforded my right to validation under statue 809 ( a ) of the FDCPA.
On XXXX/XXXX/16 I called into Citibank to open a checking account with the promotional code for XXXX XXXX miles. I spoke with XXXX As part of the promotional fine print, I was to meet certain spending and billpay conditions. I met those, and can provide proof. Because I did not have any proof that the promo code was correctly applied to my account, I sent a secure message to Citi to confirm this on XX/XX/XXXX16. They replied, that they were unable to see the account application to determine if a promo code was applied, but that if it was, I would be eligible for the promotion. Therefore I continued to meet the requirements set forth and pay a monthly fee for this checking account, based on this response. When the miles were not credited to my account, I contacted Citi. On XX/XX/XXXX16, XXXX did confirm that a promotion code was attached to my account, but that I was n't targeted for this. Because citi was unable to provide me with this information back in XXXX, I continued forward, and only after they were to fulfill their end of the deal, did they provide me with information contradicting their earlier response.
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. The inquiries below are a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. The inquiries I am disputing are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Sales Financing XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Utilities XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX, XXXX XXXX XXXX Mail Order Firms XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card Cos.
I have been contacted repeatly for 2 months three times a day by speedy cash. they call using a call spoofer with the name XXXX XXXX. I have told them on several occasions that I never took out a loan with their company and for the to stop calling. I sent a cease and desist contact letter on the XXXX of XXXX 2017.
I recently submitted a request to have my home reappraised to hopefully appreciate out of the PMI on my mortgage. US BANK said the ESTIMATED appraisal cost was {$390.00} so I sent a check for the amount to begin the process. Upon notification that the market value had not changed on the home, I requested that the remaining amount be sent back. The appraisal was {$350.00}, I sent {$390.00}, a {$40.00} difference. 

The bank claims the {$40.00} went to an administrative cost and would not be returned. 

I then spoke with a Supervisor, XXXX, who refused to give me the regulating agency to whom I could file a complaint with. She did give me the address to submit a written complaint to US BANK. 

XXXX confirmed that the documents did say " estimated '' and that the appraisal was for only {$350.00}, but would not give a reason as to where the additional funds went.
Collection Agency CREDIT MAMAGEMENT COMPANY on behalf Original Creditor XXXX XXXX XXXX XXXX XXXX trying to collect {$250.00} which I do NOT owe.
In XX/XX/2016, I was the victim of credit fraud. Thieves stole my personal information and opened a credit account with XXXX. XXXX cleared the information from my account but the hard inquiry still remains on Experian 's credit report. Also attached is the police report filed with my local XXXX XXXX Police Department.
I opened a new account with Wells Fargo Bank to receive direct deposits from my employer ( XXXX XXXX ). Shortly after the account was opened, there was some fraudulent activity. Someone attempted to deposit a fraudulent check in the amount of {$2400.00} on X/X/17 made payable to me. A hold was placed on the availability of funds and there was no loss to the bank but I was charged a fee for the returned item. On X/X/17, Wells Fargo cashed a check in the amount of {$5000.00} drawn on another Wells Fargo customer and made payable to someone other than me, but charged my account on X/XX/17 with a {$5000.00} debit when it was determined that the check was forged. The signature on the back of the check was altered and does not match my signature. There is also nothing on the check to indicate that identification was obtained on the individual who cashed the check. When my payroll check was deposited, Wells Fargo offset the funds credited against the overdrawn account. I completed an Affidavit of Forgery on X/XX/17 to state that I had no knowledge of the fraudulent check or the individual cashing the check but my claim was denied. I also explained that my personal information had recently been compromised via an on-line job website. The Fraud Department states ( per letter dated XXXX XXXX 2017 ) that I was identified on camera, my signature matches the signature on the check and my identification was obtained. However, my name was misspelled by the individual ( s ) signing both checks ( {$2400.00} and {$5000.00} ). More importantly, I was at work on the day that the check was cashed, from XXXX XXXX until XXXX XXXX, with an hour for lunch starting at XXXX XXXX. I filed a police report and per the police investigation ( XXXX Police Department - Case # XXXX ), Wells Fargo failed to provide video surveillance stating that no video of the incident existed. This contradicts the reasons stated for denying my claim of fraud. The investigator also stated that the identification obtained by the bank belonged to the male individual who the check was made payable to and I am a female. The investigator also stated that the check was cashed around XXXX XXXX on  X/X/2017, while I was at work. I have requested that the investigation at Wells Fargo be reopened and re-evaluated, but the fraud department refuses to  review the information that disputes their findings. They failed to follow Know Your Customer procedures and they failed to protect me as a consumer. The check was drawn on their bank and they should have been able to verify the signature of the account holder prior to cashing the check. I barely had {$40.00} in my account and there was no way that a new account customer should have been allowed to cash a {$5000.00} check with an altered signature. No security measures were taken to prevent the fraudulent activity.
American Express owes me XXXX points and they are frozen in pending status and are not posting. I have received many different inconsistent reasons from customer service reps and no one has been able to help. The company just tells me to contact XXXX, but XXXX does not see the points on their end. Why should the customer have to continue to contact both American Express and XXXX.
Hi my name is XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX ny XXXX phone number XXXX and I am contacting you because Equifax is continuously reporting items on my credit reports that are fraudulent and do not belong to me and I have made them aware of this problem several times and have also sent them police reports to back up what I am stating, but yet this company still reports things that arent mine. This is causing serious XXXX related issues due to stress XXXX XXXX and the list goes on I can also provide my medical records if needed because my next step is seeking legal help if this issue isnt fixed as I am XXXX and also have a XXXX yr old XXXX child to take care of and this is all unneeded stress that could be avoided. Let me explain what this company does and maybe if you look at prior credit reports of mine you will understand what I have been going threw with this company. Everytime my credit score raises they add fraudulent accounts to make my score drop or delete accounts in good standing its a shame how these companies get away with the fraudulent activity they do but I have been studying Equifax for almost 2yrs now and I will be filing a lawsuit this time if this issue isnt fixed. The items that should be removed because they are fraudulent and do not belong to me are {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2015 + {$320.00} Original creditor : XXXX XXXX XXXX XXXX  these are fraud and I want them removed at once from my credit reports
This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$410.00} with XXXX XXXX  and XXXX credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Went on the XXXX XXXX website to see about prequalifying to refinance my current vehicle loan. Per XXXX XXXX website it was advised there would be no hard inquiry on my credit report. XXXX XXXX did not perform any inquires on my credit report however one of their lenders did by the name of rateGenius. I did not authorize rateGenius to pull my credit nor was there a formal application
I just had a very unfortunate and distressing incident with my XXXX XXXX XXXX Master Card,  operated by Bank of America. I never receive my XX/XX/2018 bill in the mail and consequently did not pay for that month. XX/XX/XXXX I just saw a late fee of {$25.00} and interest of {$14.00}. on my my XX/XX/XXXX bill which alarmed me to call Bank of America and point out a mail delivery problem. 

I always pay on time and the full amount of the bill. I never leave an unpaid balance. Accordingly, I have an excellent credit record. When a missed payment occurred before, with other cards, i would always call and speak to a rep and explain what happened. They would see my history and drop the charges and make sure this incident did not show up on my credit history as courtesy. Not so this time. 

Apparently Bank of America now has 360 degree AI phone operators who : do not understand English ; do not allow transfer to a human operator unless one makes false statements or payment promises that are not necessary ; are  incredibly rude and hang up on customers multiple times ; are incapable of making subtle distinctions that enable customers to resolve problems ; and ; essentially act as robot gatekeepers to pen customers away from any communication with this corporation. 

The Customer Service phone number listed on my XXXX bill is XXXX. One other number I found online was XXXX.I found one other Bank of America phone number to call. All phone numbers use the exact the same operator and script algo with the same off-target questions and responses filtering out my customer contact with a human operator. These automated systems can not deal with sophisticated problems, probably by design. Why would a bank not want customer contact to resolve a bill, unless it's just to make them give up and pay up? I even called a B of A branch in XXXX ... all employees busy ( understaffed? ) with no call back possible. 

At the bottom of the statement is an " Important Message '' declaring that since they have not received payment I may not use my account until it is paid. I checked my account activity online and found my current total balance and am placing a check for that amount, minus late fee and interest assessed ( because I am unable to dispute it with Bank of America ), i
n the mail tomorrow XX/XX/XXXX. 

My complaint here is the inaccessibility to Bank of America with customers. How can services be provided if the provider is dictating terms and filtering out the possibility of speaking to a Bank of America employee to resolve a problem? We hear everyday how wonderful AI is for business. But what about the other way around? Eliminating human labor to save the corporation money is not justification for incompetent business practices like the AI wall I experienced here today. This one-way business activity against consumers by financial service providers should be illegal.
I had an auto loan ( which I later discovered was actually a lease ) through this company. The vehicle was covered with GAP insurance as required ( which I received through the company they got me approved with ) It was my first car with a payment so I had no idea that they were misleading from the very beginning. During my term, the vehicle was involved in an accident in which it was a total loss. I was told that the car would be paid off ( as it was not my fault -- and my insurance company paid their portion ) and the GAP insurance would cover the rest. As far as I knew the obligation was satisfied in full until I received a copy of my credit report showing this as a charge-off. At this point, this derogatory mark is affecting my credit situation and the issue was supposed to be resolved. I never received any paperwork stating that I had any further obligation so I just do n't understand what is the deal. I attempted to file a complaint with the BBB but they show NO RECORD of this company. I am currently looking at their website! How could this be??? Please help!
On XX/XX/XXXX. Our accounts were levied by the IRS. It was supposed to held for 21 days per the IRS Code and the letters that Key Bank was served. We resolved the issue on the XXXX and they sent Key Bank the release. We called on the XXXX to see when we can expect the funds to be redeposited from the hold. At that time. They told us that the funds were gone. That they sent them to the IRS already. It was a mistake. Nobody knows where our funds are and nobody knows when we are getting them back. This is roughly 20k. Would love assistance. Thank you.
On XX/XX/2018 I became aware that my Identity was being used to open and attain credit card accounts through the " XXXX '' service. 
On XX/XX/2018 I went to a post office explaining that I was a victim of identity theft and I needed to change my address. With I.D . in hand I handed over the appropriate address change card. 
A result of my change of address was the suspect was notified by procedure via the mail that I was changing my address. 
On XX/XX/2018 I called KOHLS/CAPONE @ XXXX and spoke to XXXX a CSR and XXXX whose in Fraud, who did give me a future contact number of a dispute line XXXX and a Fraud fax line of XXXX. 
During that call I informed them that my identity had been stolen, I did not apply for the card/account, they have a fraudulent application in my name. I gave my name and personnel information, notified of my actual address and a phone number so that I could be reached in the future. 
They confirmed the location of billing address at XXXX XXXX XXXX XXXX and the last four numbers XXXX in the contact phone number. They said they would start an investigation, though they would not provide me with any documents to assist me in my own investigation, not a receipt or copies of my application or the agreement that I'm to be held for regardless of what may be laid out in the UCC. and the investigation would take thirty to sixty days to resolve the discrepancies.. 
That call was @ XXXX for 20 min. 25 sec.
On X/X/2017 I went to pickup eyeglasses at store. I only took 1 pair but was billed for 2.  Clerk took 1 pair off bill. It is now XX/XX/XXXX and second pair of glasses still on bill. I have called multiple times and they assure me charge is being removed but it is still on this month bill.
The account in Question with ( Diversified Consultants ) Account # XXXX keeps reappearing on my credit profile. I have a recorded phone conversation with both parties Diversified Consultants & XXXX XXXX stating that this account would be deleted of my credit its was paid in full with the original creditor but still remains on my credit. I tried calling both parties now there saying there is nothing they can do even thought I own no money.
XX/XX/2016 I called Nationstar mortgage, my servicer, to apply for a mortgage based on a solicitation I received. I spoke with XXXX XXXX at XXXX who accessed my current loan, which is now fully adjustable. I was interested in a HARP loan as my property is still underwater. XXXX wanted to pull my credit but I said before you do so I wanted to see if the rates were where I needed them to be as I has a bad experience with Nationstar the prior year ( more to come on that ). 

XXXX quoted 3.875 % on a XXXX ARM and 4.625 % on a 30 yr fixed based on my loan parameters. I said these rates were acceptable and that I wanted to apply. He said he would pull my credit, start the app, then call me back. XXXX mins later my phone rang and XXXX indicated my credit score was very high ; however, he misquoted the rate and in order to get 3.875 % I would have to pay XXXX points ( over $ XXXX ). This was not acceptable so I asked for his supervisor to call me back as I felt this was a bait and switch. If I knew that up front I would never have authorized hem to pull my credit as I did not want the inquiry. Note : the day I called the 10 yr bond was at a 3 yr low. 

The next day XXXX XXXX, the supervisor, called and said he listeded to the call. he apologized for his employees misinformation but could not offer me the 3.875 % rate. Again this was unacceptable as I would never had authorized them to pull credit if they told me the rate was with XXXX points. This is HARP loan and is supposed to help the consumer not extort them for XXXX points.. Note : my current rate is 3 % but fully adjustable and set to amortize over 20 years XX/XX/2016 The professionalism at Nationstar is severely lacking which is why I am filing this complaint. I attempted to refinance this same property last year, was locked in at 4.75 % with XXXX points and the loan was in process but the processor would not return any calls. She would just respond via e-mail.. I became frustrated and escalated to a supervisor who was not any better. The loan was being processed at XXXX. I did not have time for the back and forth e-mails as they kept asking for the same thing multiple times and would not call me to discuss. I never heard back from them and to this day I still have not received a disposition letter. 

With Nationstar being my servicer I have no other viable options for this HARP 2.0 refinance and I keep getting the run around from them. They need to honor the rate that was quoted as my payment is set to double this fall based on the letter I just received.
Chase XXXX credit card charged me XXXX service fee even when told them that I am not going to use this credit card and do not require their services for travel. The Chase representative refused to refund XXXX fee, even I told them that I am not going to use this card.