WillisBack/dataset-financial-user-claim huggingface dataset:
This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on XXXX saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXX and it is becoming more comical by the day and someone at Santander should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel XXXX, XXXX and XXXX should have some blame as well because dates and amounts don't line up and XXXX was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let Santander type in ANYTHING they want without any documentation or reason. Please investigate Santander Consumer USA for FRAUD..
the company NCC Business Services, called me because my old apartment complex said that I owe them XXXX dollars one month after moving out. This is a false debt because I paid everything I did owe them. they did n't give me the opportunity to confront them. They just wanted me to pay. I could n't pay unless the information was verified. 
they did n't want to verify and said that they will report in my credit if I could n't pay. All they did care about was money. this means that anybody can put anything on your report without proper verification, and I cant accept that. 
They accused me of damages without prooffalse amount of electric bill without statement from the electric company. 
wrong balance at move out went I did n't owe anything. 
They forced me pay everything before the end of my last term over there. I have my bank statement to prove what I 'm saying.
I am attaching the investigation request I sent to XXXX and Trans Union on XX/XX/XXXX. Both have taken longer than 30 days to respond.
I work at a XXXX. THe following person keeps calling here and harrassing us. XXXX XXXX XXXX HE calls here sometimes XXXX times in a row. We are an XXXX. Every time he calls the employee he needs in XXXX OR not even here. When he starts to yell at me I have been told to hang up by my XXXX. He will call back and ask " is this the ignorant person i was just talking to? '' " you ; re not very smart! '' I have had at least XXXX calls in the past two weeks. Our district attorney has been contacted to stop the harrassment also.
And old account that I had with Wells Fargo that is paid in full, They claim that one payment was 30 days late. Which is false, the entire time I had the account there was never any late payments
I have a student loan that I believe was miss handles and had a lot of late fees and interest on those late fees also to include that I had to pay the late fees before they would put any money towards the payment or balance of the student loan
I have submitted multiple disputes regarding a collection account that was being reported on my credit report that I had settled in full. I have uploaded a letter that I received from the collection agency that states that the account is settled in full on multiple occasions as well. Every time the account dispute is closed without the information being updated and tha account being listed as being paid in full,
I was an XXXX. The company failed. It did not file bankruptcy but became insolvent and defunct. XXXX XXXX pursued me personally for a company debt. I tried to communicate with them on many occassions but they ignored it. They sent the account to collections and sued me. I hired an attorney. XXXX XXXX failed to substantiate their claim and the case was dismissed. Now they are still reporting the debt on my credit report. I submitted a dispute with Experian, but they will not take it off the report.
There are 10 credit inquiries on my XXXX credit report. I did NOT make these at all. I checked the report in the last 2 months and these " Hard Credit Inquiries '' were NOT there. Also a car dealer ran my credit 3 separate times and did Not inform me.
Hello, On XXXX XXXX, 2016 I opened up a CitiGold checking account after I had received an offer of XXXX TYPs after opening, funding, and using their Bill Pay service. As of XXXX/XXXX/2016, Citi Bank has closed my account without notification and whilst holding funds of {$30.00} in which they are currently refusing to return to me. 
I asked that Citibank re-open my account and honor the original sign-up agreement via their chat portal on XXXX/XXXX/2016 where they declined my request ( see attachment ). In that conversation, I notified them that my account had {$30.00} in it as of XXXX/XXXX/2016, and yet as of XXXX/XXXX/2016, my balance was missing and my account closed. They stated the monthly account charge took my last {$30.00} and they closed the account immediately after that. My monthly service fee was also due on XXXX/XXXX/2016 since the previous fee was paid out on XXXX/XXXX/2016, meaning they collected the service fee earlier than scheduled in order to close my account by XXXX. 
Furthermore, Citibank stated they closed my account due to inactivity, but that is far from the truth. I 've made at least XXXX transaction each month since opening. Either it be bill payments or payment of the monthly fee to keep the account open until my other assets were ready to be transferred over from an outside brokerage. 
If I am paying the monthly fee to use the account, how can they collect that fee and then close my account immediately? 
Why would they do it days before they were required to pay out the XXXX XXXX points per the agreement when I opened the account? 
I have attached what is still available to me on Citi 's website, but I do n't have access to recent history nor old customer service messages since they closed my account. 
Please assist me. 
Thank you, -XXXX
Approximately on or about XX/XX/2016 I filed a dispute with Experian who failed to due a proper investigations because they limit the amount you can write in order to prompt and investigation. These are the following issues I have : Personal Information I have filed a dispute regarding the name XXXX XXXX XXXX. I have never gone by this name nor have I ever submitted a credit application for this name. I am requesting that this inaccurate name be removed from my credit report but Experian reported that it was accurate and that a credit agency reported this name. 
Credit Accounts XXXX recently in error reported me 30 days past due. I spoke with XXXX on XX/XX/2016 in regard to the error on my report. When I asked then to change the error I was informed by the collection rep that they can not change credit report errors and that only the credit bureaus had the authority to do that. I was instructed to file a dispute which would prompt XXXX to change my report. I filed a dispute as instructed but Experian just called to verify information instead investigating the phone conversation with the rep.
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX
I cosigned a loan with XXXX XXXX in XXXX for my son XXXX XXXX. 
We were led to believe that this was a Federal student loan and in XXXX the loan was apparently transferred to Navient and everything changed. We had made XXXX monthly payments only to learn that those payments did n't apply to the loan. The original XXXX loan now has a balance over XXXX. The payments have gone from XXXX a month to XXXX a month. I have asked repeatedly for details on interests calculations and have received none. I have asked for information about how the payments are a applied and have received none. I have asked for an explanation of how a loan after XXXX payments could be XXXX hire than the original amount. 
I have asked why if I paid the loan off today why would I owe XXXX instead of the outstanding principal and I still have n't received an explanation. Something is really wrong here. Please help. 
The acct # is XXXX. My son is XXXX XXXX and my name is XXXX XXXX. 
my number is XXXX Thank you
Provision of inconsistent, unclear information regarding required steps associated with management of account on behalf of mother 's estate in relation to joint account held by designated executor and mother, and refusal to negotiate deposit of third party check from FDIC ensured bank. Details : After my mother 's death on XXXX XXXX, XXXX, I went to local Wells Fargo XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) on XXXX XXXX, XXXX to provide bank with notice of death, provided an original copy of the death certificate, closed my mother 's credit card and debit card, and request information regarding any additional steps I would need to take with the bank as designated executor under my mother 's will ( and named joint account holder ). I was told no further action was required on my part. In course of managing my mother 's state, o/a XXXX XXXX, XXXX, I identified a possible fraudulent charge against the joint checking account, went to local bank ( XXXX XXXX location, XXXX ) ; reported this to banker, who contacted fraud line and also at my request, asked for verification that death certificate had been processed. The banker stated that the unit she was speaking to stated it had not been processed, and then indicated the unit had also informed her that I would not be permitted to deposit a check ( in the amount of XXXX ) from a third party bank check written to my mother 's estate unless I presented a " certificate '' for the court where her will was probated. I asked for clarification regarding the nature/type of certification, and was told that again I needed to present a " certificate '' and set up a separate estate account as well. I was also informed that Wells Fargo was not obligated to negotiate any items under a deceased party 's name absent the " certificate '', would not accept a certified copy of the probated will or any other documentation apart from the " certificate '', and would not accept the deposit. I indicated that the documentation being requested was unclear, that I had received no information to this effect from the XXXX branch, and indicated that I would be contacting the CFPB with a complaint regarding failure to provide clear, written policy information when requested. At this juncture, the unit speaking to the banker said they were escalating my inquiry to another unit. At no time was I permitted to speak directly with the contacted units, although the banker asked if I could and indicated to me that the unit would not speak directly with customers and now legal counsel would be involved. I was also admonished that the bank would need to investigate further.
My home insurance policy covers XXXX years for one-time only fee. My mortgage bank ( Astoria Bank ) is supposed to accrue the insurance premium over the XXXX years. Each time I renew my policy the bank recalculates my escrow payment incorrectly, forcing me to pay {$1200.00} more per month until I complain and they spend the requisite few months correcting the error. They will not call me to confirm that they 've sorted out the problem. I have to call them every XXXX weeks until they confirm, waiting in the queue for many minutes during my busy workday. Meanwhile they threaten me with ~ {$250.00} fines if I do n't make a full payment - a payment that has grown by {$1200.00} overnight without any change in my interest rate, taxes, or insurance rates, so it is obviously incorrect. This is my XXXX renewal and my XXXX time dealing with their incompetence. I am starting to think the mistake is willful - the bank gains the interest on an escrow account balance that is n't needed.
I recently purchased a cruise with XXXX XXXX through XXXX XXXX and placed the deposit on my debit card. My reservation number with XXXX XXXX XXXX was XXXX. It was to leave XXXX XXXX from XXXX. I had to cancel the cruise and was due a refund of {$450.00}. I received half of it back on XX/XX/XXXX as an atm/checkard purchase credit from XXXX/XXXX/16. XXXX credit for {$70.00} and XXXX credit for {$150.00}. It was credited to a mass compromised card ending in XXXX and had to be manually posted to the account. The remaining {$220.00} has not been refunded. I was able to get a tracking number from XXXX that they said came directly from the bank XXXX XX/XX/2016 at XXXX. This is not XXXX 's tracking but Bank of America 's tracking stated that they received this credit in the amount of {$220.00}. Every time I speak with the bank and try to file a claim, I am told they dont have it and to go back to XXXX. The bank will not even take a claim from for the missing credit XX/XX/2016and I have tried ever since the original manual posting of It 's {$220.00} and I want my money back. The bank has it, they just cant find it and they are not willing to help me. Again, I received {$220.00} already but this is for the other {$220.00} from the above tracking number.
After requesting my credit report.i notice accounts and inquiries that were not authorized by me and made by my ex wife.I did not not authorized you to pull my credit for the following XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I noticed that she never got a chance to use them and I do not want them open and wish for this to be closed and remove from my credit report as well as the inquiries
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX. Also, by TransUnion Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made XXXX aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report please.
XXXX Accounts showing as navient, XXXX balance closed are showing on my Experian credit report. 
I have disputed these accounts several times and recently submitted a police report requesting a block per FCRA 605. Experian choose not to comply and initiated a normal dispute. The results came back verified yet again. I have recently contacted XXXX to dispute directly with them. XXXX the onbudsman requested a copy of the police report and informed me that all communication with the CRA is done via an internal data system. 
She stated " we did not receive a copy of he police report from Experian to her knowlage '' and they 're system does not " recive documents '' When I called Experian today to inquire how they " verified '' this account the response was XXXX replied as it is mine. Experian also stated they supplied XXXX with a copy of the police report. 

I have supplied XXXX with the police report and they are requesting 60 days to do an internal investigation. Experian needs to honor, 605 request to block, supply furnisher with submited documents to conduct a reasonable investigation, and escalate concerns such as this to more then basic data reporting.
In 2014, I returned the equipment from XXXX XXXX XXXX using the pre-paid label through XXXX. I took the package to the XXXX store and drop it off. The representative at the store said I was all set and I left the building. I thought the matter was resolved after that. I have made multiple calls to XXXX XXXX XXXX at the beginning when they continued sending the bill for a balance I did not owe because of equipment. I told them that the equipment had been drop at the XXXX store. Then the account was sent to IC System collections, where I have spoke to different representatives and filed disputes.
Please remove all my information history which I owed them in TransUnion. I XXXX for college, car loan, XXXX, XXXX and XXXX. I do not understand they still keeping my history. It already passed 7 years. I tried to apply credit card but they not approve because of my bad history. I not agree with them hold my history OVER XXXX years. Please clean up my credit now and thank you. The policy said hold up to 7 years only.
XXXX/XXXX/XXXXTo whom it may concern, I hope you can help me. Here is the situation/information. 

The original creditor was XXXX XXXX and reported my debt to collections on XX/XX/XXXX a total amount of {$1600.00}. XXXX XXXX then turned around and sold this debt to XXXX which placed this same amount as a new debt on my credit report/collections on XX/XX/XXXX. From my understanding this debt is suppossed to be from the original debt date. This should have fallen off my credit report and I want it removed as a new dept. I do have the original purchase order if you need me to fax it to you. I do n't have a scanner so I can not scan the information in to this computer.
Disputed this claim with the landlord of   XXXX   XXXX   XXXX   XXXX  ,  XXXX , KY. Charged for utilities after I moved. Due to renovations conducted the apartment became a health hazard. I paid rent due according to the lease. They were obstinate about paying utilities no longer in use after I moved and entered the apartment after I left and were working on it while I still had time remaining on the lease. I do n't know when they allowed another occupant into that apartment. It has been reported to   XXXX   and to  XXXX . Online disputes to no avail.
I contracted services from XXXX on approximately XXXX for Internet Services. In XXXX of XXXX I cancelled services with a credit balance - which to date I have not received. In XXXX of XXXX I received a collection letter from a collection agency stating that I was delinquent approximately {$100.00} owing to XXXX. After contacting XXXX they identified that a return shipping label and request for hardware return was never issued upon cancellation. The XXXX representative issued a XXXX return label. The modem and related cabling was returned at the XXXX XXXX XXXX, in XXXX Utah with the provided XXXX return label. This past week - XXXX/XXXX/XXXX I received a second notice from the collection agency stating an outstanding balance was still owed. I again contacted XXXX of the issue and they [ XXXX XXXX XXXX stated they are unable to identify the location of the shipped hardware and are unable to assist with a resolution. I have copied the full dialog for reference. Since XXXX has received the hardware or has proof that the hardware was received, I would appreciate them updating the derogatory collections reporting and issue my outstanding credit for over payment.
Seems that Discovery believes that because I live in Michigan they do not have to follow the XX/XX/XXXX and XX/XX/XXXX federal court orders! I was told by them if I did not pay their illegal charges and their Illegal transfers of funds from one of their cards to the other and back that they would take my home and put me in prison<
Also When I ask about why I was not paid accordant to the XX/XX/XXXX court order that I was not a card holder! BUT now that they are taking me to court for not paying what I do not owe them I am!
This concerns case # XXXX and XXXX. On Friday, I received a letter from Pressler & Pressler requesting the court to direct an order for garnishee to pay over to Sheriff money for the debt I do not owe. I am at my last nerve. I do n't know what to do. I ca n't afford to hire an attorney, {$250.00}. just for consultation. I 'm scared to death of these people now. XXXX XXXX appeared to be cooperating, not these attorneys. I am enclosing their documents.
On XX/XX/XXXX and XX/XX/XXXX of 2018 and outside account hacked my online bank account and created a fake bank account to pay off my credit card and did two cash advances of {$1800.00} totaling to {$3600.00} and transferred the money through my checking account and then went on to transfer the money through XXXX cash app. Prior to this incident I had no knowledge of XXXX or even that I could do a cash advance on  my credit card. I had called Navy Federal Credit Union after finding out that all this was going on with my account and I had put in a claim to the fraud department and their response was that it should be an easy fix. Throughout the whole process I had never gotten a notification that my accounts were even overdrawn or had money being transferred in my account. 
After weeks of waiting to here back from Navy Federal they denied my claim and when I talked to the lead investigator he was very aggressive and rude on the phone pointing the blame at me and repetitively asking me who did it when I told him a numerous amount of times that my own parents do not have access to my banking information or online accounts. 
That following week I had gone into the branch and filed an appeal and the representative even acknowledged that there are numerous signs that I had nothing to do with the cash advances or bank transfers due to the fact that there has been minimal activity in my account since I've been in XXXX for the past year and the moment I go home to California to visit my parents all this happens at once. They approved my appeal and sorted out my checking account but neglected to sort out my credit card account which left me over the limit in {$7300.00} when the limit on my credit card is {$6000.00}. Due to the cash advances and fake payments through this outside fake account put me at a minimum payment of {$1300.00} when my initial balance on my card was close to {$3000.00}. 
I had to then put in a claim again for my credit card which later got denied as well as the appeal weeks later. 
It's now XXXX and the issue is still not resolved after many back and forth calls with Navy Federal, filing a police report, and my credit score dropping 91 points and my credit card still over the limit. I'm only a college student who has never dealt with something like this before and I did not expect Navy Federal to be so unhelpful in this situation and just make it worst than the original outcome. Every representative I've talked to on the phone has been rude, short tempered, and accusing me for all this mishap on my account. Now I'm back in XXXX and have my parents carrying out this process with Navy Federal but they still want to say that this is all my fault and will not email or call my parents back after leaving voicemails every other day. 
The only reason I have a credit card is in case of emergencies while I'm here in XXXX and now I can't even have it as a backup in case there was a serious emergency. This whole process has been very heart breaking because I know for a fact that Navy Federal Credit Union does not want to admit that they have flaws in their system but this incident did happen and somehow I'm the one to blame.