WillisBack/dataset-financial-user-claim huggingface dataset:
I wanted to transfer {$5000.00} from my husband 's credit card account to my own. Through XXXX XXXX, I applied for a BankAmericard 0 % card and requested a balance transfer. I was declined. I 'm pretty sure I received an Adverse Action notice in the mail. I applied for a different 0 % card and transferred {$5000.00} to my name. 

To my surprise, I subsequently received a BankAmericard in the mail. I cut up the card but decided to keep the account open to help my credit score. To my greater surprise, I then found that BoA had completed a {$5000.00} balance transfer. So instead of the $ XXXX that I intended to transfer to my name, I transferred {$5000.00} to XXXX, and then BoA - having declined my application - transferred another {$5000.00}, for a total of {$10000.00}. This was not my intent and may have a negative effect on my credit score. 

When BoA called me ( probably a welcome call ) I told them about the error and asked them to reverse the balance transfer. Over the course of 50 minutes 1. One representative failed to authenticate another rep who was transferring me between departments and did not know how to authenticate me without my card 2. I was given detailed instructions for reversing the error myself - had to point out that this was an XXXX error and the bank needs to correct 3. Was told to come into a bank branch - again, this was a funds transfer done in error after my application was declined, told the rep that the bank has to correct After 50 minutes and the balance transfer department disconnecting me I gave up.
I have been battling with Bank of America/Credit Protection Plus for years and have had enough. I have been passed from person to person without any hint of a resolution and the ordeal has ruined my credit and been an incredible burden on me. 

While I was in college I racked up my credit card bill close to it 's upper limit of {$8000.00}. Not wanting to carry a balance or gain interest, I paid off the balance of my credit card ( all at once ) with the exception of the $ 1000+ I had been charged in Credit Protection Plus against my permission ( and had asked repeatedly to be removed from ). I tried, and tried and tried to get them to take these charges off, and get them to stop charging me for CPP - both before and after I paid off my card. Even after I paid off my card and talked to many people about my issue, they did not remove me from the CPP program and my bill crept back up as a result of recurring CPP charges and interest/late fees on the initial CPP charges I left open. I asked them to provide me proof that I enrolled in the program and they could not. I do n't remember enrolling in the program and they certainly did not remove me from the program despite many requests. Thier defense was that I was enrolled in the program for quite some time so I could n't just backtrack those charges. As a college student, it took me awhile to initially catch on to the fact that I was being charged for this service as I had never requested it to begin with. I should have been more aware and on top of it but I was a college student who racked up her bill to nearly {$8000.00} so I was n't going through my bill with a fine tooth comb. 

Frustrated from hours of unhelpful phone calls and unwilling to pay for something I did n't sign up for, I pushed it aside. Recently the other members of my family all received large refunds in the CPP class action lawsuit but I was not included in this suit because I refused to pay from the beginning. I did not realized how bad this actually affected me until I applied for a credit card and was rejected. I got a credit report and found that my account had been 'Key Delinquency ' for years because of this dispute. It ruined my credit and made it impossible for me to get a credit card, buy a car or a house. 

I wish this had n't snowballed into what it is now but I spent so much time dealing with so little impact that I essentially gave up on it. I have now read up on it, found this website, am aware of my rights and realize I do n't have to fight this alone with a large corporation. 

I want to these charges to be removed and my credit to be restored so that I can live my life.
this is a cable bill that was CANCELED and paid with all equiptment returned undamaged. I told them repeatedly that the equiptment was returned at the corporate location drop off. They are billing me for 2 cable boxes that were returned. The final bill was paid and come to find out that the debt was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XX/XX/2015 along with 4 other debts.
I am attempting to refinance a mortgage with USAA. The company is holding up the loan at this point because there was a dispute on my credit report - not an " open '' dispute, a resolved dispute. Their last email said " XXXX XXXX is showing the disagreement code with a resolution of dispute on your credit. This is what underwriting needs removed. '' XXXX XXXX on their part sent the disagreement code, which I am fine with, and resolving the dispute. 
What I am understanding from USAA is that they want that to be undone, which XXXX XXXX can not do. 
A day later, after I inquired as to why such a holdup, about a credit card account with XXXX balance, and whether the issue is risk or something else, I received a response stating " Our underwriters do not manually underwrite files. '' At this point, I am at a dead-end. XXXX XXXX did their part and sent a resolution code, but I suppose USAA still can not accept that as an answer. The only option is to go back in time .... ( I will not continue this sentence - they are not giving me a resolution. ) I feel that USAA should be able to manually underwrite my loan. 
Now, I started the process XX/XX/XXXX, and even though USAA apologized for the delays, they have been pushing the closing date since XX/XX/XXXX. At this point, I do not think I will be able to close because I am deploying in about 8 days to the XXXX XXXX. The current interest rate on the house is high and I have wanted to rectify this issue for a while.
The M & T Bank sent me a letter offering a pre-approved personal loan up to $ XXXX which I did not reply, later it sent me an email with the same offer and again I did not reply, then the Bank gave me a phone call with the same offer and I accepted based on the offer declaring that it was to be based on no collateral and that it was to be for my own personal expenses with a very easy criteria. As it declares for using the money like this = " ... or simply be prepared for the unexpected. '' Then after I met the criteria including a XXXX credit score, and this Bank refuses my request of a small loan for {$2000.00}. ( the lowest available amount ) based on this reason, quote = " Ineligible Purpose For Loan Request. '' If I had wanted to buy an old used car for $ XXXX then I would have got a car loan, and if I wanted to buy a product then I would have used my M & T Credit Card which has a {$2500.00}. limit, but the offer was for a " personal loan '' and the Bank refuses the loan when I am doing exactly as their pre-approved offer asked of me. As such the Bank lied to me from the beginning through till the end as the loan rejection is a lie too because I met the criteria in full. I can not say if this breaks a Banking law but it was a breach of contract with myself, because the Bank broke its own words, broke its agreement to me.
Signed contract in XXXX XXXX California for a lease of XXXX XXXX XXXX XXXX Set payment INCLUDING sales taxes was XXXX per month. US BANK unilaterally, and without proper documentation or notice, raised the lease payment monthly rate in XX/XX/XXXX to XXXX per month. They refuse to provide documentation and claim a change in sales taxes, however no such change in the state of California occurred. They are committing fraud by changing rates and then not providing adequate explanation or recourse.
Consumer Complaint, Credit Report Complainant : XXXX XXXX, Consumer Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone No : ( XXXX ) XXXX Agency : XXXX and Experian Report Date : XX/XX/2018 Collector : XXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Phone No. 
( XXXX ) XXXX Creditor : XXXX XXXX, Dept. of Education Account XXXX. : XXXX and XXXX This complaint is about the account above and the reporting of the collector, XXXX XXXX. I am XXXX XXXX, the debtor and Complainant in this complaint. Despite the regulations XXXX is obligated to abide by and my own conversations with XXXX regarding their reporting, all attempts to rectify the situation have been unsuccessful. This has made it necessary for me to file this complaint. 

The basis of my complaint is simple. I have submitted an Application for Discharge and Forgiveness based on my XXXX to the U.S. Department of Education, the creditor, along with XXXX XXXX, on this account. According to the rules stated by the Department of Education, third parties are to discontinue all collection efforts while the application is being considered. This includes negative reporting on all credit reports. 

Despite this XXXX XXXX continues to report this as a seriously past due collection account on all three reporting agencies. During my last conversation with XXXX their representative led me believe that the derogatory reporting had ended. The conversation was odd in that the agent began to argue with me then told me that the accounts were being reported as current. Based on the response I received when I asked for confirmation of this, I believe the XXXX   representative was being intentionally vague and deceitful. 

A review of my credit report shows that XXXX XXXX, the owner of my account, is reporting these accounts as Paid as Agreed with no negative comments. The XXXX XXXX account numbers are Identical to the XXXX XXXX account numbers. XXXX XXXX is reporting these under open accounts, not as derogatory accounts, as XXXX is reporting. I have done a bit of research on XXXX XXXX and it appears that they have a history of bad faith dealings with their account holders. 

I appreciate any help I can get with this problem. 

I am attaching to this complaint the pertinent documentation, which includes XXXX 2018 reports from XXXX and Experian and my Application for Discharge and Forgiveness, my own cover letter to the application and the Email confirming the Dept. of Educations receipt of the application including the date submitted.
Was employed in XXXX from XX/XX/XXXX until XX/XX/XXXX. While I was employed in the XXXX of XXXX, my identity was used to open accounts. 
I have tried to clear up any confusion. I have written to the debt collector certified mail and the credit reporting agencies. 
On XXXX, it indicated removed but then it re-appeared. It is contradictory postings.
P
ortfolio Recovery Associates ( PRA ) is falsely reporting se  veral different accounts from the Original Creditor,   XXXX   XXXX   on all 3 major credit reporting agencies ( CRA ). I have attempted to have the amounts updated and requested that the CRA 's validate the amounts and provide proof from Portfolio Recovery Associates. PRA falsely verified that the amounts in question are correct.
I will list 2 of the 3 accounts on this complaint and the 3rd and 4th complaint will follow separately  .  <P/>  Account Number  :  XXXX  PRA is reporting an amount ( original ) owed of {$890.00}.  <P/> I have verified with    XXXX   XXXX    that the true amount is {$810.00}.   <P/>
2nd Account PRA is reporting an amount ( Original ) of {$590.00} I have verified with   XXXX   XXXX   that the true amount is {$540.00} Documentation will be attached and additional can be provided under request.
I was denied a consumer loan from my bank XXXX on XXXX XXXX 2017. 
Due to inaccurate credit scores provided to my bank XXXX by Experian. 
Page XXXX of XXXX sorry its upside down credit denial says my score is XXXX from experian. 
Page XXXX of XXXX My Experian credit score tracker I pay for through XXXX credit monitoring. 
Page XXXX of XXXX My Experian credit check & ID monitor XXXX bureau credit report on XXXX/XXXX/2017. 
You can clearly see the credit report I pay for is not the credit report my bank sees
The unverified items ( two accounts ) remain in my credit report in violation of federal law.you ( Experian ) are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
Experian does not provide me a copy of any original documentation require under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) A CONSUMER CONTRACT WITH MY SIGNATURE ON IT
One of the accounts reflects a 30 day delinquency and the other account reflects an open account charge off. 
Account 1 : States that the account was open on XXXX Amount : {$450.00} Account 2 : States that this account was paid and closed on XXXX but had a 30-59 days late status on the account. 
XXXX XXXX has falsely reported these accounts on my credit report without giving me the requested proof of the account and signed contracts. 

*** I have communicated through attorneys to resolve this matter and XXXX XXXX  has refused to comply and show account information and signed contracts. ***
A collection of {$200.00} showed up in XXXX XXXX on my credit history for a debt issued in XXXX XXXX. The collection agency did n't make any attempt to contact me and posted the debt directly on my credit history. On XXXX/XXXX/XXXX I asked them to provide details about the debt like what is the debt about, who do I owe the money and they have not responded to my request. 
I have XXXX credit score for several years and I recently applied for student loan that got denied because of this debt.
I solicited the services of a resume writing service in XXXX XXXX. On XXXX XXXX, XXXX I requested a refund after continual delays in process my order for a professionally written resume. On XXXX XXXX, XXXX the company owner finally responded to my third email about my requested refund of which I am entitled as they offered a guarantee and she ( company owner ) stated that XXXX refunds had already been processed and sent me confirmation that they had been - XXXX refund for {$240.00} and XXXX for {$300.00}. Meantime she then submits a ACH from my financial institution in the amount of {$390.00} on XXXX XXXX, XXXX. I certainly did not authorize any additional payment to this woman or this company - I wanted nothing else to do with these people. 

XXXX of the refunds total {$390.00} and I absolutely did not request anything else from this company. I believe it is a fraudulent transaction and I have alerted my financial institution. However, I believe they are operating in an unscrupulous manner and should be subject to discipline.
XX/XX/XXXX disputes was submitted for unauthorized inquiries, inaccurate public records, and addresses. I called in multiple times and spoke with many reps who then would transfer me to the Office Of Consumer Affairs saying they are the only ones that can help me. I spoke with XXXX on XX/XX/XXXX and she requested that I submit proof of identity via docusign. I submitted the information along with my Identity theft report from FTC. I called back to make sure it was received could not reach XXXX again. Upon arguments with many reps I decided to reach out to the CEO and XXXX XXXX via email but no response. I received a call on XX/XX/XXXX from XXXX in the Executive Office of Disputes and explained to her the situation and she stated that she would contact XXXX in Office of Consumer Affairs and would contact me back. On XX/XX/XXXX I checked my credit report via TrustedID ( which has been deleted and I currrently have no access to ), XXXX XXXX, and XXXX  which all stated that 6 Derogatory Marks, 9 accounts, and 85 hard inquiries were removed. I then called in and spoke with another XXXX XXXX and advised that all of my information has been deleted from my file. He then stated to me he could not by law reinsert the accounts and that I would have to wait until the creditors report it which is usually 30 to 45 days. On this same day XXXX calls back and I advised her that my file had been deleted and she argued me that it hadnt. I advised her the rep had just admitted that it was deleted. Nothing was done. The very next day everything had been reinserted even items that were previously disputed and removed. I checked TrustedID to view the report from XX/XX/XXXX that was once there and it had been deleted. That is in violation for FCRA due to not being notified of reinsertion. From then on I have NOT been able to view my Equifax credit report. I have twice been sent docusigns to send in proof identity and they still will not update my credit file to reflect my correct address. I have also requested validation of disputes and have been refused. Something need to be done about the practices of this company. This company can not be trusted.
Student Loan ReFi ( # XXXX ) Unfortunately, I was dissatisfied for the following reason.They lured me into applying for a loan. I submitted basic information including my SSN # and they prequalified me. I submitted more information to conclude the process. At the last minute, they declined the offer. What about the -25 point hit my credit score took?
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft.
I tried accessing my account and it says that my username has been changed. I NEVER changed it. It prompted me to reset it, and NOTHING happens when I enter the information. I tried calling and no one answers the phone. I called again and it prompted me to provide my phone number so that someone could call me back in 24-38 minutes. They called me back and hung up. This bank stole my money!
This issue with Bank of America and XXXX. 

On XX/XX/XXXX and XX/XX/XXXX transactions were made in error via XXXX to the wrong person. 

BOA and XXXX were contacted on XX/XX/XXXX about the error. Both pointed at each other about how to resolve. On XX/XX/XXXXspoke with an agent in the Move Money Dept of Bank of America. Who provided me a claim # and stated it would take 10 days to investigate. On multiple occasions, I have contacted the bank of the error and no one has a process to rectified a human error. I received confirmation today that they are closing the claim and not issuing my funds back into my account. I have email confirmation that this was done in error.
Someone from this company has called me several times after being told to stop calling. The person then began to use abusive language and call me names that was uncalled for. I'm not a XXXX, XXXX, XXXX, or a XXXX. 
This company calls every day. This has stop. The person has even threatened to come to my home. I am in fear for my safety and have alerted my local police.
Received a call from XXXX which left a voicemail stating my accounts associated with my SSN # would be locked and to call XXXX. The debt they're saying I owe has been paid for 8 years they would not give me a mailing address for them and hung up on me, they said their company name is XXXX XXXX. It seems like I get a call about once a year for this debt that has been paid off for years
In  XXXX  of  XXXX  I pulled my credit report and foun d that Dept. of  Education/  XXXX   was reporting my account as 90 days pat due in  XXXX . This is inaccurate- even on their own page it shows I only did not pay 1 month and that was deferred while my income based repayment plan application processed. On th e Credit reports it shows the month prior to that month the account is in good standing and the month after is in good standing as well. I first sent a good will letter requesting the information be correctly updated- se nt return receipt request  via USPS . That was followed up by being informed to log into my account and dispute the information. I did as was ask ed and approximately 45 days later was notified that the information will be remaining the same, when I called in I was told that they do not re port 30 or 60 days late payment and all late payments are reflected as 90 days past due. I stated this was  unfair and the customer service representative apologized and restated that the information would be remaining the same.   I then contacted the  XXXX  credit bureaus and request the information on the late payment be removed as it was incorrect and sent in the letter to  XXXX .   XXXX   sent notification that they saw this and removed the late payment. TransUnion and  XXXX  declined removal and stated the information would remain on my report as their " investigation '' found it to be accurate- even with proof off their own reports showing the month prior to the " 90 day month '' showing account in good standing and the month after showing paid.
I'm still being reported negatively to XXXX & XXXX Credit Bureaus ; $ XXXX+ Continued Membership, Late, & Missed Charges still are not refunded to my account, 5+ months later. XXXX was the guilty ones to charge my account for a second month, when I cancelled my account XXXX-18, 2+ days before statement for next month was processed. Many emails, with documentation, have been sent/faxed to dispute wrongful charges. 
Please send me your email address ; I'm not able to upload email documentation at this time.
XXXX-XXXX-18 Credit inquiry from an unknown and unauthorized credit with no number from where to reach them. 
Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX Their number is conveniently incorrect and not working! 

XXXX XXXX
We received calls on our home phone, work phone, wife 's cell phone, daughter 's cell phone, older son 's cell phone from a woman who identified herself as   XXXX   XXXX   from  Coastal Financial Solutions  - phone number  XXXX  - on  XXXX / XXXX /  XXXX   at  XXXX . She stated she was conducting an " investigation '' of our younger son who is in the  XXXX  and currently  XXXX  in  XXXX . This son told us he has no business with this company and is prohibited from taking payday loans.