WillisBack/dataset-financial-user-claim huggingface dataset:
I moved in XXXX XXXX, in XXXX XXXX I made sure to change my address linked with my Macy 's credit card. I received a statement at my new address in XXXX, but have not received one since ( as of XXXX XXXX XXXX ). I have made multiple attempts to remedy the situation and have my Macy 's billing statements sent to me with no success. I have made at least two attempts via email to request billing statements without remedy. I was even unable to change my email address linked with the account online. I have also contacted Macy 's customer service twice without being able to resolve the issue. When I called in XXXX, I was told it was taken care of and they were kind enough to remove that month 's late charge. I received no statement in XXXX. When I called Macy 's customer service this month, one day after my bill was due, I was told the changes were made and that it was the post offices fault, they also refused to eliminate the late charge I had just been given. When I asked to speak with the Macy 's customer service manager, I waited over an hour before deciding to contact consumer protection. I feel I have the right to my own personal billing information. The statements I am able to view online do not provide all the information about my account, which is why I would like the hard copy. I also have experienced difficulty with payments going through using Macy 's online payment system, another reason I would like to use the mail. I am very concerned about how this is effecting my credit score. I have made every attempt to pay what I owe and feel I am now acquiring considerable fees because of Macy 's negligence. I am even unsure what my balance is at this time because I have not seen a statement in over 6 months.
They sent me over a contract with my name typed in.. I don't type my name is no where for my signature. Those don't have my hand written signature. Those are False Document. Please show me where the money was depoisted into my account .I need date and time .. 

Plus i need signed document s
I 've asked this collection agency to not call me at work and keeps doing it. I just started working here in XX/XX/XXXX and I 'm afraid they are jeopardizing my new job with personal phone calls.
On XX/XX/2018 I went to Wells Fargo Bank in XXXX, NJ to make a cash deposit into my son 's account for XXXX. My name is not on his account, although we do have the same last name. The deposit amount was under XXXX XXXX dollars. 

I was told that Wells Fargo does not allow cash deposits unless it's your own account. 

How is this legal? I understand that Wells Fargo has violated many banking laws in the past, and it seems they haven't stopped.
The lender has been sent a notice of error and QWR that needs a response on and the sale date is set for  XXXX / XXXX /  XXXX   - the lender needs time to respond to our request and postpone the sale date to do so.
At the beginning of 2015 the bank of American Express requested me to pay a annual membership fee XXXX {$.00} I phoned the bank and replied that I ' d rather cancel my bank account than to pay the membership fee. The bank said " No problem, it is only upon your wish, even though when you not pay the membership fee at the deadline of XXXX 2015, this bank credit card can continue serve you two months. '' Considering my available Points as high as XXXX on XXXX I consumed it with a balence of XXXX $ and tried to redeempoints for the statement credit. But to my dissapointment, the redeem function of America Express Website could n't run at all. I 'v already tried to do redeem with my rewards no less than XXXX times, but everytime I tried, the website showed me inevitably this " We 're sorry, the system is down and we are unable to process your request at this time. Please come back and try again later. '' _ this simply means undo! Now the bank insist me to pay the membership fee plus consume bill plus late fee plus interests, totally XXXX $ and all my rewards has to be abandoned. I 'v live chatted with the bank XXXX times but the bank could n't help me at all.
XXXX XXXX submitted her debit card information to XXXX  credit report information. XXXX no longer has a credit card because she has great credit. XXXX closed her credit card information as soon as she received her credit card.
I 'm no expert on this topic and the terms are confusing to me. Part of the problem is that these loans were never properly explained by the school or the lender. After Navient took my loan from XXXX XXXX I called to discuss repayment options. I was clearly talking to a foreign call center somewhere as the first couple of people I talked to had very strong accents and it took a few tries to get someone I could understand at all. I think I may have been misunderstood in my intent as I believe I was put on some sort of " forebearance? '' payment plan. This extended my loan unnecessarily. I should have this loan paid off by now. I tried contacting Navient today and managed to get in contact with a very rude ( but easy to understand ) person who put me on hold indefinitely. They clearly do not want to receive phone calls as they do n't post the number anywhere I could find ( took a number of XXXX  searches ) and I had to battle through the robotic menu system to get a real person. I was hoping to discuss some sort of large, lump sum payment to be done with this company for good, but I was just treated poorly once again.
Multiple wrong address information..on my XXXX, Trans Union and XXXX credit files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX../..XXXX XXXX XXXX XXXX, XXXX XXXX../. 
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XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
I recently received a copy of my credit report ( XXXX and XXXX ) and after reviewing it I found questionable items listed by National Credit Systems. In the past, I have asked that National Credit Systems send me copies of the documents that they have in their files that are used to verify the accuracy of the accounts listed ( XXXX ). No one has ever answered my request. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that National Credit Systems disclose to me all of the documents that they have in their possession that is concerning the accounts that are being reported in my credit report. Instead of providing me with the documentation, National Credit Systems insists that the account has been verified. However, the company continues to fail to provide me with this very documentation. 
If there is no documentation in your files to verify the accuracy of the account XXXX, then please delete them immediately as required under XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties, National Credit Systems is damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that is on file for the account listed, then said account must be removed from my credit report.
XXXX  's client  XXXX   XXXX  ( formerly  XXXX  ) is an identity theft victim. Someone used her information to apply for a credit card with  XXXX   XXXX  A dispute of the application was submitted to  XXXX   XXXX   XXXX / XXXX / XXXX  certified mail with return receipt. In  XXXX   XXXX  a review of her credit reports was conducted and the  XXXX   XXXX  inquiry was still listed. Contact was made with  XXXX   XXXX  and we were advised that by  XXXX  the inquiry would be removed. A check of the credit report was done again in  XXXX   XXXX  and the  XXXX   XXXX  inquiry was still listed with  Trans Union. A formal dispute was sent electronically to Trans Union   XXXX / XXXX / XXXX  ; as of  XXXX / XXXX / XXXX   Trans Union  confirmed  XXXX   XXXX  is reporting the inquiry as valid. At this point there are now several violations of the FCRA from Both  XXXX   XXXX  an d Trans Union.
I had a Macy 's American Express card and someone stole my credit card information and charged over {$2000.00} to my card on XXXX XXXX, 2015. I was alerted by Macy 's of the situation and they closed the account, sent me a new card and asked me to fill out the appropriate paperwork and send them a copy of my driver 's license. I did everything they have asked me to do. The charges are still on my account along with late fees and interest. I have called them several times and they said it may take 90 - 120 days to clear. In the mean time I have been getting harassing phone calls by XXXX multiple times a day from Macy 's. They call my office, home and cell phone. I find this all very disturbing that this is not cleared up by now. I have a XXXX credit card also and when I have had fraud on it, it is cleared up within a week. I do n't know what else I can do at this point. They have dinged my credit and I have sent them a letter about all this. I do n't feel as a consumer who was a very loyal Macy 's customer for years that what they are doing is appropriate and I am very frustrated with their whole process. They are wasting my time and their 's.
I visited the Bank of America branch on XXXX XXXX XXXX on XX/XX/XXXX around XXXX. I asked an associate, believe her name was XXXX based on the survey I received after my visit, to increase my ATM withdrawl limit. She did that. I withdrew money ( {$850.00} ) and left. 

Later that day I get an email ( attached ) form Bank of America that welcomed me to their Preferred Rewards program. I never signed up for this program or was even told about it during this visit. 

I called up the central BOA customer service number after getting this email and they confirmed the associate I spoke with entered me into this program. 

I actually was asked earlier in the month by a different BOA associate at a different location if I wanted to enter the program but I declined because of balance minimum and potential fees for being below the minimum - I knew I would be below the minimum shortly. 

The BOA customer service rep took me off the program and supposedly started a process to alert management. But was not able to provide any color as to what happens from here. 

If this happened to me it can be happening to other Bank of America customers. This should be investigating and BOA should be stopped.
Chase continues to report delinquencies for Chase account XXXX throughXX/XX/XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XX/XX/XXXX, income which I subsequently was required to include with my taxable income on my XX/XX/XXXX tax filing. They correctly report the balance as XXXX, but report delinquent payment history for each month through XX/XX/XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.
I opened a XXXX XXXX XXXX XXXX in XX/XX/2017 and bought a dress for my daughter for {$140.00}. I did not receive a bill from them OR the credit card by XX/XX/XXXX. In XX/XX/XXXX I began receiving DAILY calls from XXXX XXXX ( sometimes 3 a day ) about the money I owed them. I kept telling them I had yet to receive a bill, and I could not use the online payment feature they kept pushing because I DID NOT have a card. It was very frustrating.While on vacation in Florida that XX/XX/XXXX we were able to pay a portion of what we owed over the phone, but it was complicated by the fact I had not received the credit card. This is reflected in my credit report as past due, but if you look in XXXX the amount has been reduced by what we PAID in XXXX. In XXXX I paid off the bill COMPLETELY and received this email confirmation : " Your phone payment in the amount of {$77.00} was processed on XX/XX/2017. Your confirmation number is XXXX ''. The reason it had to be a phone confirmation is because I STILL had not received a card. I requested to close my account at that time. In XXXX I got a bill for {$2.00} from XXXX XXXX. I AGAIN called in and spent over 2 HOURS on the phone going back and forth with people over this bill. I explained that if I paid everything off in XXXX, how could I have a {$2.00} bill with a {$27.00} fee attached to it. This went on and on until I cited the email from XXXX with it's confirmation number and the amount I paid. I was then told my account was clear of all past debt. At that point I asked for my account to be closed. 
When I got my credit report I was ASTOUNDED to see anything negative from XXXX XXXX. I specifically asked about my credit report and reminded them that the miscommunication was on THEIR end since I never received a card or initial bill. I was told everything was cleared up. And now this. I am very very upset and would like this addressed ASAP.
My private information ( e.g. social security number, address, birthday, etc. ) is most likely to have been stolen in the massive hack of Equifax.
Wage Earner Plan filed XXXX - has passed the 7 years limitations on my credit report for a Chapter XXXX bankruptcy. This item should have been deleted by Equifax and was n't.
On XXXX XXXX, 2016, I made a {$6700.00} Principle and Interest payment to Nationstar Mortgage. The employees of Nationstar Mortgage confirmed on this date, my payment would go directly to Principle and Interest and make my mortgage payment due for XXXX XXXX, 2016. Nationstar Employees also told me starting in XXXX 2016 my payments would now include escrow with any and all past due escrow to be spread out over 60 months. ( Audio recordings confirm these conversations ) Nationstar Mortgage applied my {$6700.00} incorrectly. Instead of the full payment being applied to Principle and Interest as I was told would happen, {$2400.00} went to escrow and {$1900.00} into a " unapplied funds '' account. 

Throughout the month of XXXX, I have talked to several employees at Nationstar Mortgage who have told me they would get this resolved and have all of my XXXX XXXX, 2016 payment applied to Principle and Interest and have the escrow begin in XXXX 2016 as I was told. None of this has happened. 

I am asking for help in having Nationstar Mortgage correct their error and apply my XXXX XXXX, 2016 payment of {$6700.00} to Principle and Interest with escrow beginning in XXXX, 2016 with any past due escrow spread out over 60 months, as I was told. I am also asking for help in having Nationstar Mortgage correct my credit report to reflect that I am current and not delinquent in my payments. 

thank you!
The below is a copy of a letter I sent to my loan servicer more than XXXX years ago. It best describes what has happened to me. If you want the supporting documentation, let me know. 

* * * * * * * * * * * * * * * * * XXXX XXXX, XXXX VIA FAX : ( XXXX ) XXXX XXXX Fedloan Servicing XXXX : Review for Payment Tracking, Acct : XXXX To Whom It XXXX Concern : I am writing this letter to advocate that the following XXXX payments I made be counted toward loan forgiveness. 


XXXX through XXXX, XXXX XXXX XXXX payments ) These XXXX payments are not being counted, I am told, because I was on a plan that was not a qualifying plan. Though that appears to be the case, XXXX is well aware that there are thousands of us in this position : We applied for the XXXX XXXX XXXX XXXX XXXX XXXX, and were mistakenly put on a non-qualifying plan by our ( now-defunct ) servicer, unbeknownst to us. I expressed this in detail in my XXXX XXXX, XXXX, letter to Fedloan Servicing, attached for your reference. 

I have attached as documentation : An e-mail chain between me and XXXX XXXX, the Associate XXXX of my law schools XXXX XXXX XXXX, demonstrating that I knew what I was supposed to do and was acting on the correct advice ; and The original Master Promissory Note MPN I signed and filed on XXXX XXXX, XXXX, establishing Income Contingent repayment on my student loans. It bears a confirmation code as follows ; XXXX. 

As XXXX is aware, this is a widespread problem. XXXX, XXXX. : http : XXXX XXXX and XXXX, XXXX ( XXXX payments ) I was just informed via telephone that my XXXX and XXXX XXXX payments are not being counted. I am contesting that with the attached documentation. Until XXXX XXXX, I made my payments online at https : //www.dl.ed.gov/borrower/BorrowerLogin.jsp, which at some point ( but not for very long ) changed to XXXX. 






On XXXX XXXX, XXXX, I received a notice in the mail from XXXX, informing me that they would be taking on the role as my new loan servicer. When I called XXXX, however, they were not yet set up to take my XXXX XXXX payment. I made payment to the XXXX Department of Education. That check was cashed on XXXX XXXX, XXXX. I made my next payment online on XXXX XXXX, XXXX ; the first payment to XXXX. 

I have attached as documentation : My XXXX XXXX, XXXX, letter to XXXX Department of Education explaining that I needed to make a monthly payment, with Check No. XXXX attached in the amount of {$420.00} My bank statement reflecting that Check XXXX. XXXX was cashed on XXXX XXXX, XXXX, which rendered it a timely qualifying payment. 
Proof of my XXXX XXXX, XXXX, to XXXX, online, with a confirmation number as follows : XXXX. 

Both my XXXX and XXXX XXXX payments should be counted. I expressed this in my XXXX XXXX, XXXX, letter to Fedloan Servicing, attached for your reference. For some reason it was not rectified for reasons unclear to me. 



Sincerely, XXXX XXXX XXXX
I requested an appraisal from Wells Fargo in order to drop my PMI. Before doing so, I had consulted with a local realtor and felt confident in our property value. The first appraisal by Wells Fargo came back at {$270000.00}, approximately {$7000.00} lower that necessary to drop PMI, and {$10000.00} lower than my LOWEST expectations. I have had both a realtor and a local mortgage broker share with me that they feel I should be appraising at a minimum of {$290000.00}. 

I have tried following up with Wells Fargo for an explanation as to why they arrived at that value, including asking why they are only calling my property a XXXX bedroom home, while it is indeed a XXXX bedroom home. Rather than answer my direct questions, each time they sent me a new appeal form. My first appeal resulted in a {$200.00} property value increase ( laughable. ) The subsequent XXXX appeals have not changed. I still do n't have an answer as to why they wo n't call my home a XXXX bedroom, and why the comparables I have shared with them, all within a XXXX mile radius of my home and averaging {$300000.00} each are not considered in my appeal. 

At this point I feel that the process is not being conducted in a fair manner.
VICTIM OF INQUIRY ADD ON OF TRANSUNION. 
AND WOULD NOT REMOVE IT
I have a checking account with Fifth Third ( XXXX ) bank and XXXX XXXX XXXX ( XXXX ). I wanted to make a transfer from XXXX account to XXXX. I used XXXX bank 's online banking from desktop/browser to add my XXXX checking account and than initiated a transfer for {$250.00} on XX/XX/2018. While I was making the transfer none of the screens in online banking showed that there will be a {$3.00} service charge to use the service. After I submitted the transfer, I got an email on XX/XX/2018 that the transfer is complete even this did NOT mention that there will a {$3.00} charge. I got to know about the charge only when I checked my account statement, it debited {$250.00} for a {$250.00} transfer I made. I called the customer service and they said that there is nothing they can do as it is not a reversible fees. 

This is very bad experience and day light robbery.
I recently submitted a report, and this is an extension to that report. My complaint was that Discover Student Loans had made three changes within ten days to my credit report despite no changes occuring. I believe this to be in retaliation to my dispute and request for validation of information. I believe Discover Student Loans is acting in a malicious manner because I have asked for information within my rights.
In preparation of foreclosure, Bank of America stopped paying the XXXX portion of the hazard insurance. As a previously MHA HAMP modified home loan mortgage account guidelines require the establishment and continuation of an escrow account for the purposes of ensuring the payment of property taxes, hazard insurance and natural disaster ( acts of God ) insurance as appropriate. Appropriateness is indicated when natural disaster property insurance is offered by the state. In this instance, the state of California offers earthquake insurance for interested homeowners. Bank of America incorrectly and improperly effectively cancelled the XXXX property insurance, without the borrower consent, when it refused to continue to pay the XXXX portion of the hazard insurance for the property as Bank of America had been doing before simply stopping when deciding to move forward with foreclosure.
I have been dealing with a company called nelnet. I have applied for loan forgiveness. I have submitted the aplication 3 times. Every time they have denied the application. Even though I have provided the required documentation. They wait exactly 45 days and then deny it. They send me a letter asking me to submit something else. This company is garnishing my   XXXX   XXXX    XXXX  benefits as well as my federal tax return. This is been going on since early  XXXX . They attempted to notify me back in  XXXX . I was in   XXXX   XXXX   hospital in   XXXX   XXXX  . I was also   XXXX   XXXX   XXXX   for several weeks. I did not have a chance to respond to the garnishment letter. Nor did I receive it. They are refusing to stop the garnishment. Every time I call I get different answers. I have made several reasonable attempts to work this out with them. However they refused to do so
XXXX XXXX XXXX. Sued me for a past debt they purchased from XXXX XXXX. Before the suit I received a letter to dispute the debt. I did wright a letter but never heard back from them. I defaulted on the suit and called MIDLAND and agreed to a lump sum pay off and requested a letter I paid it off. I received a letter saying they agreed to accept the lump sum on or before the date the letter was written, I paid the amount they asked and never received anything after this. Seven months latter they sued me again for the same account I paid them off for this time a larger sum of money. I called them and they said if I paid it already to disregard the summons to court.