WillisBack/dataset-financial-user-claim huggingface dataset:
Applied and received fidelity rewards card Received statement, bill due XX/XX/2016 Electronically paid entire amount and another {$300.00} on XX/XX/2016 Charges to card refused on XX/XX/2016 Contacted the company-was informed payment received but not posted to my account and yes indeed there will be a late fee, was informed payment may be posted for as long as 48 hours, it had been 5 days! 
I promptly closed the account
I have 42 transaction that were removed from my PAYPAL account over the span of XX/XX/XXXX through XX/XX/XXXX where the transactions were cancelled by the service provider, however, the funds were still removed from my accounts and never returned. I never thought that if the transaction was declined by the provider to look into my PAYPAL account and make sure that they were actually removing the funds. I assumed just like a bank they are responsible to refund money if it is not being utilized or it is cancelled in the the transaction. All 42 transactions clearly show they were cancelled by the provider ( XXXX  XXXX ). However, the funds removed from my accounts were never refunded to me.
I received a Shop your Way sears/XXXX MasterCard in the mail that I never authorized or requested. I have called the number on the back of the card to report the fraud and tell them not to report this card on my credit report.
XXXX XXXX Inquiry fromXX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Misc.

XXXX Inquiry from XX/XX/XXXX + Misc.

XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX + Automotive XXXXs XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry fromXX/XX/XXXX + National Credit Cards/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX+ Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX+ Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX+ Finance
M & T Bank ad ded {$2100.00} to the pay-off amount because they said the request for the pay-off was within 60 days.     The truth is there were several requests for pay-off over the 2 years my property was place into foreclosure b y M & T Bank. These requests were made to M & T Bank an d  XXXX   XXXX   XXXX    XXXX   ( the serv icer of my mortgage ). There were several discussions between  XXXX  and I about selling the property as a short sale and other options. These discussions included requesting and obtaining pay-off amounts.     It is mean spirited and advantageous f or M & T to c harge me {$2100.00} to issue a pay-off letter when for over 2 years the property was in foreclosure and  XXXX  was assisting in selling it.     Thank you,  XXXX   XXXX
I paid my XXXX water account in full XX/XX/XXXX, Southwest credit systems called attempting to collect {$330.00} in XX/XX/XXXX, I verified with the XXXX XXXX XXXX all bills had been paid and informed SWCS that the account was paid in full. SWCS Called back again in XX/XX/XXXX attempting to collect the same debt. I informed them again the debt was paid in full in XX/XX/XXXX. In XX/XX/XXXX SWCS put a collection on my credit report, I informed them again that it had been paid and I could send them proof, they informed me the only way to send them correspondence was via mail. I spoke with a supervisor and she said she would verify with the XXXX XXXX XXXX the account was paid and I have not heard back. I disputed the record on experian and it was upheld.
I have a Macy 's credit card for which I automatically debit a checking account to pay my monthly bill. I purchased furniture on a 12 month interest free promotion at Macy 's, which promised to bill me in XXXX equal installments. The furniture amount was over {$1400.00}. On the first monthly payment, Macy 's debited my checking account the full amount of the charge rather than XXXX of the charge as should be done on a 12 month interest free promotion. I asked Macy 's representatives if my auto-pay would make the promotion not work, and I was told it was not a problem.
My XXXX/XXXX Visa Credit Card Account : XXXX, and my XXXX XXXX XXXX   XXXX   Mastercard Credit Card Account : XXXX is lost/stolen. Theres fraudulent and unauthorized charges/transactions on the accounts thats not mine.
Equifax is listing a XXXX XXXX credit card ending in XXXX on my credit report, from XXXX XXXX. This is wrong and should be deleted. I never authorized this account and I already had a XXXX XXXX  card that was opened on XX/XX/2012. 
This is a duplicate listing and under the terms of the FCRA, ( Fair Credit Reporting Act ), incorrect information must be deleted.
I NOTICED IN MY XXXX CREDIT ALERT, reported a new account of XXXX credit report. 
New bank/credit card dept. Recovery Solution L.L.C XXXX cardit report alert date : XXXX XXXX XXXX2017 source : XXXX phn. numb XXXX balance : {$980.00}. 
Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX i have filed so many disputes on this bank /credit card co. i already filed for Idenity theft and fraurd .like this to come out of files.
My mortgage was paid in full in 2013 and my mortgage company has failed to report this, my credit has suffered miserably as a result. I have reported my mortgage company a number of times to the Attorney General of my state, your organization, the US Comptroller and anyone who would listen with no results and no help.
<P/>
Please help me
misplaced credit card.. -but found credit card .. call for a replacement never received replacement and this had been since XXXX/XXXX/15 spoke to a person on the XXXX/XXXX/15 and said I will be receiving XXXX on either XXXX or XXXX did n't come ..also spoke to a person on XXXX and said to call back on XXXX for a routing number for a card but did n't get threw. The number that RUSH card has do not work their always busy and when they answer they put you on hold for at least XXXX hrs. -- no XXXX customer service .. the only time they are reachable is XXXX ; XXXX in the morning ..I have sent a couple of email which take at least XXXX hrs. to be answers but the website says a it a XXXX hrs. turn around. I just want a replacement card my payroll check is deposited on this card.
I just called in to schedule a payment with my mortgage company and they are refusing to take the payment unless I can bring my account fully current all at once. We are 4 months behind and also owe this month ( 5 months worth ). We only fell behind because we were in the process of working with our mortgage company to get our loan modified. This process took over a year and, in the long run, they cancelled our modification without our permission because we fell outside of their timeline due to the fact that we were waiting for them to respond to something we requested in writing. I have made several complaints about this mortgage company and so far nothing has been done in our favor. The only reason we even have a mortgage with this company is because our mortgage keeps getting moved by the government due to fraudulent lending practices. Each time we are moved to an increasingly fraudulent lender and our account suffers as a result of this. It has been an ongoing battle with mortgage companies since at least 2007.
XXXX/XXXX/XXXX I purchased XXXX XXXX " XXXX '' concert tickets. Concert intended date was XXXX/XXXX/XXXX. Postponed to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX announced on social media all dates were postponed and later all " point of purchase '' sales would be honored. My tickets were purchased from XXXX. My receipt reflects this and sale by XXXX. Neither wants to offer a refund. I opened cases with XXXX. XXXX case was closed due to XXXX filing grievance against XXXX XXXX, not XXXX. XXXX XXXX responded " We have no record of a charge or tickets sent out to XXXX XXXX for the event. He must have placed his order through a different seller. '' ( complaint XXXX ). Yet, when I called XXXX, who I never had spoken to before, I gave them my invoice number and they pulled up all of my ticket information. Come to discover, XXXX and XXXX share the exact same address, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) is listed as my biller and on the receipt the language says " ALL SALES FINAL. REFUNDS WILL ONLY BE ISSUED IF THERE IS A CANCELLATION OF THE EVENT. '' Well, the original date WAS canceled and moved to another date ( postponed ) and now postponed again - with no mention of time, date, venue. I am charged a {$130.00} service charge. As a customer, a service charge should be indicative of services being provided to the customer. No services are being provided. My bank, TD BANK, has a policy of only refunding money and doing investigations on inquires 60 days from purchase date ( I was told via rep ). There must be legal language somewhere when a customer makes a purchase with the expectation of receiving services and product in a timely manner. I have been told by both XXXX XXXX XXXX that XXXX XXXX can postpone until she is XXXX and legally not have to issue a refund. VERBATIM. This is outrageous. No person who buys a concert ticket, especially ones over {$100.00}, expects that they wo n't be receiving their product or services in future years from the intended original date when the product is suppose to be delivered. What is also outrageous is many ticket companies are honoring refunds while the company 's I 'm dealing with are n't.
The company XXXX XXXX XXXX XXXX, GAP Program Administrator, XXXX XXXX XXXX, XXXX, AZ XXXX has failed to fulfill their obligation to pay on a claim submitted by the insured. This claim has been ongoing since XX/XX/XXXX. The claim was on a XXXX XXXX XXXX VIN XXXX. The date of loss was XX/XX/XXXX. XXXX XXXX put the replacement cost at {$11000.00}, Less Depreciation {$3700.00}, Actual Cash Value {$7200.00}, Less Policy Deductible {$1500.00}, Settlement Amount {$5600.00}. A portion of the " gap '' amount should have been paid by XXXX XXXX. But to date has not.
I had a Capital One credit card back in 2000 or so. I got rid of it because it was not affordable anymore. I was contacted by the bank once or twice. I paid what I could. They, in turn, waited 19 years and now are garnishing my check for about XXXX % of the gross. I thought the limit was XXXX % of the disposable income. So now my wife and I can not pay our rent on time, it is hard to make car payments, get groceries, etc. They have put us in a position where we can not afford to live in XXXX County and have nowhere else to go. My wife is disabled and I am her caregiver. I need to know if you can help me and if any complaints related to this one have been filed with you.
To Whom It May Concern, I have a collection account on my XXXX, XXXX, and XXXX credit bureau file from a company named IQ Data International, account number listed is xxxxxxxxxxxxx XXXX. Please be advised that I am disputing this information due to the fact that IQ Data International does not have a valid license/is not bonded in the state of Texas to collect debts. This information states their license/bond is currently " non existent '' according to the Texas Secretary of State database of license/bonded debt collectors.I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated. <P/>
XXXX XXXX xxx-xx-XXXX
My wallet and checking information was stolen in a home burglary. XXXX XXXX agreed to remove those late marks from my credit report due to the fact I called them and spoke with them about having to set up new accounts. The late payments are still on my report. I have never paid my bill late. The balance was also less than XXXX at the time.
After discharging my Bankruptcy in XX/XX/2018, I tried to call Navient to have them base my loan repayment on my income. The first call that I made to them, in XXXX, to discuss repayment I gave them all of my financial information. They confirmed that based on my income that there would be no way that I would be able to make the payments and should qualify for a {$0.00} repayment plan. The representative went on to tell me that although I should qualify for a {$0.00} repayment plan that Navient was unwilling to make that happen. The representative went on to tell me that the $ 300+ monthly payment was required and that there was no way to lower the payment amount. This is the same representative that just confirmed that I should qualify for the {$0.00} repayment plan, I expressed the fact that there is no way that I would be able to make the payments. I called back in XXXX to try again to lower the monthly payment amount and express the fact that the most I could pay monthly would be {$50.00}. The representative said that I could pay that amount but that Navient would count the loan as being unpaid because it would not be the amount they are requiring. I asked the representative to change the monthly payment to {$50.00} and she said that she was unable to do that. So if I continued to make just the {$50.00} payments that eventually the loan would go to collections even though I would be making monthly payments.
I have made numerous complaints to XXXX XXXX XXXX concerning the following account XXXX. XXXX XXXX has refused to accurately report the above mentioned tradelines on my Equifax Credit Report I requested to speak to a representative in the Credit Reporting and Bankruptcy Department and was told by XXXX in customer service that she couldnt transfer me to the anyone to speak to about my situation. I explained to her the way the account was being reported was incorrect. She said that it was acceptable to report the repossession status in conjunction with the bankruptcy. I informed her that the reporting was incorrect and that it was considered to be continued " collection '' activity and that it violated my rights under bankruptcy protection. I am demanding XXXX XXXX XXXX to delete this account or will escalate my case to the higher authority or pursue other legal remedy.
I had lost my job or actually laid off on XX/XX/XXXX. I had signed up for the protection on my credit card. I reported it to the company was told I would get paperwork. In two weeks now XX/XX/XXXX I call them back, stated that they were having problems. I guess they were being bought out or changing banking companies. No paperwork nothing. At the end of XXXX about the XXXX XXXX. I received a bill that had we ate informing you about new bank. Now I receive a thing typed on the billing statement my acct closed yet I am back to work XX/XX/XXXX and making payments now I brought acct under credit limit and I go to use card told its closed I said cant be well I printed out what I have as far as credit and it shows my acct is open yet I cant use it yet it states my available credit is. So they lied.
Bremer Bank, XXXX, WI had safety deposit box for my mother, closed it and sent back 2 keys, 3 years ago but they keep charging me. 

Couldn't open a bank acct here because of it. 

Thrtough my mothers probate through a court they asked for debts for 60 days and no one filed claims yet I'm not allowed to open my own bank acct now.
This complaint is in reference to a former CFBP complaint I submitted that is now closed without resolution : XXXX. The company did not resolve my issue and in my response to their response for the previous complaint, there was no option to upload additional documentation to dispute the company 's reason for denying my complaint. 

The company referenced only a 12 month option provided by XXXX, when I have provided documentation that I was on a 24 month spread out plan. The letter they referenced for the 12 months is a general automated letter that I receive after each escrow evaluation from XXXX. In this case, I have always called in and requested it be spread out by XXXX over 24 months. See attached which shows a general letter mailed to me with the 12 month option, then a follow up letter showing the 24 month granted by XXXX. Prior to the transfer, I had already asked XXXX ( in response to the general 12 month option ) to spread it out again over 24 months. They agreed and submitted the request as usual. Unfortunately, before the process was completed again, XXXX XXXX assumed XXXX XXXX accounts before the 24 months was extended for this new term. XXXX XXXX needs to reference the documentation I have attached to this complaint showing my history with XXXX of payments being spread over 24 months in response to the 12 month initial offer. As a consumer, I have the right to the same processes as XXXX allowed me, not new rules with a percentage that XXXX XXXX has that is obviously different that what I have been allowed with my previous lender. I will continue to fight for my right to have 24 month spread out as I was with XXXX even if I have to take this to court and present proof of this. I am not willing to refinance. I want the same option I had before coming to XXXX XXXX. I am just now getting caught up with my finances after this new home purchase and can not afford this new rule XXXX XXXX has that XXXX didn't have.
Equifax was hacked, gave up vital personal information. Forced to pay for credit freeze. Outraged with company practices, hope the owners who sold their stock go to prison.
I switched service from AT & t to T- mobile when they were running a promo when to find out that they did not pay for everything So XXXX XXXX XXXX XXXX my balance due to a collection agency for 6 months I paid XXXX a month then after 6 months another collection agency gets it and wants the same amount of {$3100.00} and they say I did not pay so I ask for proof they never call back now it dropped my credit score XXXX points I need to get this off my credit report ENHANCED RECOVERY CORP Thank You
o Wells Fargo- Staff/Managers/and Underwriter : - if anyone at all ... 
I XXXX XXXX XXXX have FULL AUTHORITY to act on behalf of XXXX XXXX per POA attached, as well as income trust. I also have a vested interest in this property as owner per quit claim deed dated XXXXI do itemize my tax returns as I handle/manage the property for XXXX XXXX and am a fully vested owner, I have the right to claim on my takes and a legal right/duty to collect/pay rent/make repairs etc on behalf of XXXX XXXX for XXXX XXXX . I as owner per my attorney have the right to handle her affairs concerning her HOMESTEADED PROPERTY. We are asking for the 3 month mod due to the back to back hurricane HERMINE XXXX and IRMA XXXX. We deserve this assistance just like everyone else because this was caused by Natural disaster Hurricane IRMA. I  had saved the 5 payments as I was informed not to pay during the review period. ( never believe anything you are told -usually not accurate- think common sense-save the $ ) .Thank XXXX I did save the $ I received as rent as I was forced to make payment today XX/XX/XXXX of those funds for 5 months @ {$3600.00} confirmation # XXXX with XXXX ID # XXXX, after speaking to XXXX XXXX supv . I have waited since XX/XX/XXXX for this mess to come to an end. Still unfair resolve with no end for us. As you are aware the servicing transfer of this loan takes place XX/XX/XXXX and we will be dumped on someone else to sort out the MESS ( bet you cant wait- but this is NOT the end of this I promise you ) as time is of the essence for me to resolve this on behalf of XXXX XXXX and the NUMEROUS months we have been strung along. I have enclosed every piece of documentation available to better assistance you with clarity of the entire picture of what happened. Bottom line I as POA and legal vested owner of the property with XXXX XXXX am requesting assistance for the 3 months we HAD TO use the mortgage payments to repair this property due to hurricane. Your reps told us to repair the property and workout options would be available to bring the loan up to date once it ended. For my loan XXXX not problem streamline mod no doc. For some reason ( more equity I believe ) you refuse to work with us on this loan. Please review all the documentation concerning this loan as well as my loan, which Wells Fargo error on XXXX affected this loan as well. Please contact me @ XXXX. Best Regards XXXX XXXX XXXX POA for XXXX XXXX XX/XX/XXXX. 
** see additional items attached
I have several loans with Department of Education/NelNet with late payments which is incorrect and been reported incorrectly on credit report s.My students loans has always been in a forbearance status/ deferment status. I even have several hardships forbearance. My loans shouldnt shows any late payment. All the late payments are a error on the Servicer part .I have never been in repayment status due to financial reason. I made sure I applied for a forbearance or hardship to ensure my account remain in good status.i made several attempts to the CEO of NelNet about this matters. I contacted the Servicer NelNet several times via telephone and by Us Mail on this matter. Unfortunately my situation hasnt been handle. I honestly my situation is been ignored. Im entitled to correct reporting on my personal credit file. Please Help!
I had a membership with XXXX XXXX for baked goods and candy delivery to my home. I returned the items they are trying to collect for and do not owe this company but they are still trying to collect and have added this collection to my credit report.
This is a dispute for accounts incorrectly listed on my credit report of which these fraudulent accounts and public records that " may be considered negative '', have been filed illegally without my permission and misconduct use of my stolen personal information such as my name, social security number, and birth date. It is Fraud Identity as I did not file this accounts/public records on the dates specified in the credit report when they were opened, nor did I sign for any such accounts/public records electronically. For the credit items accounts such as : XXXX, XXXX. of XXXX, and XXXX I have n't been in any type of schooling for well over 8 years, and while I was in school I was on Scholarship for 3 years. For the public records account XXXX, I have never lived in that area before and I have absolutely no idea where that comes from or even why it appears on my credit report. I am only a resident and have only resided in the State of New York. I have also never been contacted by that and have no idea where that is located nor do I know what it is in regards to. 

I never filed any form online for such credit items accounts and public records, and I also never signed any electronic forms for any credit items accounts and public records online. Again this is Fruad Identity and I am disputing these credit items accounts, public records, and credit report. 

Thank you in advance for your patience and understanding.