WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, XXXX To whom it may concern : In XXXX of XXXX, I entered into a contract with XXXX HVAC to install a new furnace and air conditioning unit. As arranged by XXXX, the work was financed by Wells Fargo Bank, via a VISA credit card, [ Account # XXXX - Amount : {$6300.00}, ( see copy included ) ]. 
Approximately one year later and after more than {$2000.00} in payments, I received a notice on the back page of my monthly coupon/statement ( which I did n't notice ) that the VISA feature was being suspended and transferred to a new non-bankcard credit line ( see copy included ) ; to use only for home repairs and only with one specified vendor - Home Projects, account # XXXX ( see copy included ). This seemed like a bait and switch deal to me. Needless to say, I was not happy. 
I eventually decided to transfer the balance of the Wells Fargo card to a legitimate bankcard ( VISA, MC, etc. ), preferably with friendlier terms. I chose a XXXX credit card ( per XXXX XXXX ) and applied for the transfer. When my approval was announced it was only for half of the amount requested [ VISA account # XXXX, ( see copy included ) ] and I was informed no changes could be made until after I received my card and paperwork. 
Once I received the card and called XXXX, an attempt was made to transfer the remaining balance from the original Wells Fargo account. I was immediately rejected ( less than 10 seconds ) and I had to suffer another ping on my credit score for the additional credit inquiry ; with no results, despite the representative 's guarded optimism and the short span between inquiries. 
Now I 'm stuck with two credit cards ( each with substantial balances ) and a compromised credit score that I will have to compromise more in order to get the total balance transferred from Wells Fargo. 
Ideally, I wanted this not to have happened, so I would n't have to pay the price I 'm paying now to fix it ; but my desired resolution would include : -- Complete transfer of the Wells Fargo balance to one bankcard ( VISA, MC, etc. - preferably the new XXXX card I presently have ), with equal or better terms as that XXXX card, at no cost to me or my credit score. I no longer wish to do business with Wells Fargo. 
-- If that option is not possible, I 'd like the remaining balance on my Wells Fargo card to be converted or transferred to a bankcard ( VISA, MC, etc. ), with agreeable terms and at no cost to me or my credit score. 
Thank you for your consideration.
Company called XXXX is attaching a collection to my credit report on both XXXX  and Transunion. They say its for a commercial loan to XXXX XXXX. It would have been for a commercial loan to a dissolved company. To get around the consumer credit rules these companies are reporting it as collections to the individuals. The loans are unsecured purchases of receivables. When the companies go bankrupt they use this tactic to affect the individuals credit.
Debt from CitiFinancial XXXX now One Main Financial ) that was Canceled and discharged by them because of their reorganization is listed incorrectly on my credit reports as a Charge off seriously affecting my credit and my score We had a balance of around {$4500.00} when all the Citifinancials closed around us. They stopped sending statements nor made any attempt to collect this loan and we had no idea even where to contact them, For years they made no contact of collection attempts and then in 2014 canceled the debt ... Now they are listing it as a charge off. We were willing to pay its THEIR fault as they stopped sending us statements nor made any attempt to collect this loan when they collapsed. I have tried to resolve this by filing complaints about the credit reporting companies. They all say they have verified the debt. On my contact to the former citifinancil I was run around to XXXX different people who hung up on my twice and could not even find the account. I made repeated request to talk to a supervisor but was just passed on to another person or just hung up on
On XX/XX/18, I received a call about a {$200.00} debt that I apparently owe. The details were not clear to me, and I never received a written notification about the debt. The man only identified himself as XXXX from XXXX XXXX. The next day, this same person called my father. He said he was with XXXX XXXX and implied I had a financial issue, leading my father to contact me. It was illegal for XXXX XXXX to contact my father as XXXX XXXX had already made contact with me. Additionally, I never received any sort of written notification.
The XXXX tradeline ( Account # XXXX ) is inaccurate and is in direct and willful violation of the FCRA. I disputed this tradeline with TransUnion over 12 months ago, and TransUnion neglected to delete or update the information. As a result, TransUnion MUST DELETE this tradeline as it is hurting my financial life. I have retained a lawyer to sue for willful violation and for damages. 
As a reminder, the account balance is wrong. The account status is wrong. 
Wrong information has been displayed for over a year. This account must be deleted immediately.
I XXXX XXXX XXXX, that on XXXX18, I went to my bank to attempt to resolve a fraud case that I had filed with my bank concerning unauthorized withdrawals. I have already files complaints with FCC and Florida States Attorney General against XXXX, XXXX. This company/chase bank are taking advantage of myself and wife that are elderly folks. In all we have lost {$120.00} from our little savings that we keep in the checking account being discussed. The bank manager was very helpful but the fraud and claims department at chase bank would not reopen my claim, he even attempted to call the company but he had no luck. I want my bank to recognize that I was ripped off, which at this time they say is my fault. Please help?
There are communication between myself and bank but they put as all my fault, I am veteran working away from home most of my times, so I told USAA to take out {$250.00} bi weekly for my car payment, well after XXXX payments they stop and I did n't realized they stop, after 60 days they repo my vehicles and told me I fail to make my car payments, my car payment was {$350.00} a month buy but I been paid them {$500.00}, after I relized they repo my car I called them and ask them why they not notified me they reply that I did not answer my phone! Well they lie to me becauce I did not received any call from them or letter mail? I ask them what number did they call? They said that they do n't have number anymore and other thing is they told me my XXXX bank account is closed, well again they lie, my account with XXXX still active. I ask my bank did USAA try to take any money out? They say NO ... .so I talks to USAA they now say that they only take out XXXX payments, I have to sign some kind of documents for them to take money for car payments??? They been taking {$250.00} out fine? Why they stop and blame on me not make my car payments??? Now I told them it a communication issue between myself and them, they not buying it ... And now they say too late to get my car back! It on auction???? Please help me on this issue! Thanks ...
I got a call on XX/XX/XXXX from Aragon agency that I owed {$100.00} from an accident XXXX years ago. That debt was paid by my attorney by the collector XXXX XXXX XXXX. The representative said if I could provide proof that there would be no more hassle. Every time I call trying to provide proof I ca n't get anyone to give me an answer.
Hello, I am writing to you to file a complaint against Navient the servicer of my student loans that are federal XXXX loans. One of the loan names is the Federal Perkins loan my college let me know that this loan would be forgiven. I applied for forgiveness after working @ 2 different hospitals both are non profit and qualify to have the loans forgiven since I work 48 hours every week greater than the 30 hours per week required. I sent in all required papers and I never received explanation as to why the my XXXX loans were never forgiven. I also have called them on several occasions and they have never helped me to get these loans forgiven. I started to investigate I have paid into my loans on an income based repayment plan with a monthly payment of XXXX since XX/XX/2013 for a total of {$34000.00} original federal loans were for {$50000.00}. The amount I still owe is {$42000.00}. I called them this morning and since my loans have been consolidated they told my I have to pay on an income based repayment for a total of 10 years for a grand total of {$68000.00} before I can even apply for forgiveness of my student loans. I feel used though I chose the XXXX field because I love helping people and now I feel discouraged with no recourse or help for me. I have again called them to have them send me the papers for the income repayment plan recertification the woman told me she would email me the forms but all I received was " thanks for the call now sign up for eDelivery. I have never received to this date why the loans were not forgiven since then I also called the college that I attended with no real recourse. I hope that you can help with this nightmare.
On XXXX XXXX 2017 I sent a certified letter to all three credit bureaus stating that I had multiple inquiries on my report I did n't recognize and I did n't authorize these inquiries. I have yet to hear back from the companies. I decided to call XXXX on XX/XX/XXXX, and was told they received my certified letter but they put the information in wrong and they will start the investigation all over. I was never notified of anything prior to calling on this day from either Transunion, XXXX or XXXX.
amount {$1000.00} I have never done business with XXXX XXXX XXXX. I do not have a signed contract with XXXX XXXX XXXX. I have the right to demand to see a signed contract between XXXX XXXX XXXX and myself
I contacted XXXX XXXX XXXX about not releasing the lien and not providing the correct balance informatio to all 3 credit reporting agencies for months. The loan was paid in full on XX/XX/2018. I called the company on XX/XX/18 and they emailed the lien release. All credit reporting agencies are reporting a loan balance of well over {$7000.00}. There is a XXXX  balance. This needs to be corrected immediately as this has affected several recent lines of credit that I have obtain including the purchase of a new automobile.
My outstanding loan with XXXX XXXX was passed on to Admin Recover LLC. I received a letter about the debt and responded asking for verification of the amount owed ( which I believed to be incorrect ). Before my letter was received, XXXX XXXX from this place called me, called my friends and called my family leaving information that I am in trouble if I do n't call back. I do n't believe he should be calling all of those people. He left me XXXX voice mails before starting to call all of these people and discussing my " case ''.
TRIED TO CASH A CD WHICH HAS A CONTINUAL 6 MONTH ROLL OVER. THE ORIGINAL CD WAS ISSUED BY XXXX XXXX AS PER THE COPY. THAT BANK WAS TAKEN OVER BY WACOVIA THEN WELLS FARGO. WELLS FARGO DENIES ANY RESPONSILITY AS IT IS MORE THAN 7 YEARS AND THEY DO NOT SEEM TO GO TO THE ARCHIVES TO CHECK IT OR TO PAY IT. 
TOO BIG TO BE BOTHERED?
On XX/XX/2018 I noticed that a large check from a holder of some other Chase account had been incorrectly posted to my checking account, causing my account to overdraw. I notified Chase that day that 1 ) there was a misposting, and 2 ) that there was a resulting overdraft fee, and that both needed to be corrected. The misposting was corrected promptly, with a deposit back into my account. The overdraft fee, however, remained until I reached out again many days later. 

When the insufficient fee refund was posted on XX/XX/XXXX, I was informed by Chase that I was being provided a " courtesy refund ''. I sent a secure correspondence to Chase clarifying that this was not a " courtesy refund '' but a correction of bank error. My interest was not semantic : I was not concerned what it was called or how it appeared on my online account read-out ; I wanted assurance that my bank record ( and by extension, my credit report ) did not reflect that I personally had overdrawn my account. 

Today, XX/XX/XXXX, I received a call from Chase informing me that despite the fact that there were TWO bank errors ( the initial misposting of the check, and the subsequent internal " mis-coding '' of the refund as a " courtesy '' ) the " system did not allow us '' to indicate in the bank records that I did not overdraw my account. When I asked what remedy existed for me, I was informed that unfortunately there was not one, but that I could " wait 12 months '' for the blight to clear from my record. 

All I seek is a statement from Chase that my official banking record does not indicate that I overdrew my account. It strains credulity that that their system " can not '' correct such errors. Rather, they just seem unwilling to be inconvenienced to do so.
I had a loan with vanderbilt finance company. It was a mortgage for a mobile home. It was foreclosed and I settled with them XX/XX/2015. I was told that Vanderbilt would correct the information on the credit bureaus immediately. I was recently declined for a loan because Vanderbilt is still reporting an active judgment against me. Again, I settled with them XX/XX/XXXX. I was given the name of the one person who was able to help me with this matter and his extension. I have called and left him 6 messages over the course of two weeks. He has not called me back. I let him know in my message today that I would be contacting the CFPB for help if he did not respond to me by EOD today.
My loans were transferred from XXXX to Navient in XX/XX/2018 and I have had a number of issues. The biggest issue, which is currently unresolved, is that my monthly payment does not seem to be calculated properly. 

I initially informed Navient of this issue by email on XX/XX/XXXX after receiving my statement. I followed up by email several times and did not receive a response until XX/XX/XXXX. At that time I sent the representative a number of documents illustrating why my payment amount seemed incorrect. 

I received a response on XX/XX/XXXX stating that my interest rate had increase by .25 % and that caused my payment to increase by {$35.00}. My loan balance is around {$11000.00} and I have 152 payments left - a .25 % interest rate increase should not increase my payment by more than a dollar or two. I followed up with the representative stating that the calculation still didn't seem correct. 

On XX/XX/XXXX I received a response from Navient simply stating that my concern had been addressed by the XX/XX/XXXX response. I've responded with a calculation and payment schedule based on the increased interest rate showing that the payment is not correct. While sending this response I logged into my account to discover that Navient has increased my interest rate an additional .25 %.
On XX/XX/XXXX, as I tried to log in in my credit card site to pay the bill, i received a notification that a new card was sent to me and couldn't log in. The site informed that a new card was sent to me. I was in XXXX XXXX helping my brother with the aftermath of Hurricane Maria. Since I didn't want to be late, I called the Customer Service No.XXXX. Since the card was delivered to my house and I didn't have the card present, I couldn't find any information on the new card. I asked the representative if I could pay by phone and she said yes, and they charged my card for it. The amount of {$100.00} was withdrew from my checking account on XX/XX/XXXX, and the fee was charged to my credit card. On XXXX, the same thing happened and on XX/XX/XXXX, another {$100.00} was deducted from my checking account. This card was from the Fifth Third Bank and ends XXXX, expiration XX/XX/XXXX. 
On XXXX, I called the customer service again because I wanted to pay my account by phone, but I was informed they couldn't find my account. When I arrived to my house in XXXX I contacted them again and directed to fax a copy of my current bank account statement showing that the money was deducted of which i did. By then I had in my hands the card ending in XXXX issued by XXXX XXXX. After sending the documents again, they said that the only choice I had was to pay the missing payment ( {$200.00} plus change ) to bring the account up to date so they can deduct all the fees I was accrued to " not paying on time ''. I tried to resolved thru my credit union and they said they couldn't to it and was given the Fifth Third customer service. 
I called and they couldn't help me because they couldn't find any record of my card : by card no. by tel. no. by name and address. It was as if my records disappear. 
I just want that they return my {$200.00} plus the fee they charged to the card for the service. 
I know this sound stupid, but I live in a fixed income and {$200.00} is a lot of money to me. 
I know that money is somewhere and the payments were not applied to the new card nor my money return to me. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Equifax  Re :  unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from   XXXX    XXXX  which was made on  XXXX / XXXX / 2016 . I checked my credit report, which I acquired from Equifax.   I have contacted  XXXX   XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
XXXX wrongfully sent me to collections without properly contacting me and doubled the payment amount owed second complaint I XXXX XXXX XXXX am not the responsible party for financial payment
On XXXX XXXX, I received an email to my personal XXXX address saying " Your Brink 's Prepaid MasterCard is on its Way. '' I have never applied for a prepaid card nor interacted with Brink 's in any way. I called the customer service line to report what I thought must be fraud and cancel any account opened in my name. The representative said she had cancelled the transaction. <P/>Today, XXXX XXXX, I received a second email confirming that a prepaid MasterCard was ordered. This time, the email was addressed to someone named XXXX XXXX and advertised the Brink 's Prepaid Card mobile apps. <P/>I need for this communication and the fraudulent account to be stopped immediately.
I contacted Avant Financial on XX/XX/2017 and ask for a pay off of my loan, they gave me a pay off of XXXX if paid in full before XX/XX/XXXX. 

On XX/XX/XXXX I mail a cashier check in the full amount, they credit my account on XX/XX/XXXX. and still debit my account on XX/XX/XXXX. I notice the transaction and contacted Avant and spoken to the Supervisor name XXXX on XX/XX/2017. and explain the situation and ask them to refund my funds, they said they have to conduct an investigation which will take about 10 days. I demanded my refund immediately. They will not send my funds for two weeks, which put my account in a negative status. I paid this account in full as stated by them. I have documents from them giving me the full pay off. They made an unauthorized debit from my account.
XX/XX/XXXX XXXX approved a loan modification for me then transferred my loan to Ocwen inXX/XX/XXXX. When my loan got to Ocwen they wouldnt accept the modification that was already in place with XXXX. I have been trying to find out what happened to the notarized package that was sent in XX/XX/XXXX, and why Ocwen wouldnt accept what XXXX had already approved for me. Please help me! I have been in my home 24years and I dont have anywhere else to live once my home is sold on XX/XX/XXXX. I didnt just leave my home like many other homeowners would have done. XX/XX/XXXX to Present Ocwen has been denying me the Modification that I had in place in XX/XX/XXXX. Ocwen didnt acknowledge ever receiving my XXXX Notarized Documents of XX/XX/XXXXuntilXX/XX/XXXX. I continued from XX/XX/XXXX to present to ask for my modification but I continue to get letters from Ocwen saying " Investor Doesent Participate in the HAMP ''. Ocwen wanted me to leave my home and I didnt. I did nothing wrong. My loan transferred to Ocwen and once my documents go to them, the process stopped. Ocwen didnt tell me about my Notarized Documents until 5years later. When my loan transferred to Ocwen in XX/XX/XXXX, I owed {$31000.00} in Arrears, today my Arrears are {$370.00}.
Went into Chase Bank my branch 3mos approx ago. 
Spoke to XXXX XXXX to find out interest on a Sapphire credit card. 
If it's too high I didn't want it. 
She said I have to apply to see. 
I did and she said it shows in the 12 % range and showed me the screen. 
Still seemed high as I have good credit but I accepted. 
When I received the card it showed 17.9 %!!!! I have been to the branch many times spoke with XXXX and Mgr. 
She agreed she said this.I got a call from Chase they said that's the way it's is.I said I need a call from her boss. 
Never got a call.I went back to the Bank mgr she said can't do anything.Is this right a bait & switch with customers????? Aren't times hard enough for the public??
CBE Group, Inc sent a bogus notification of debt collection for XXXX saying that my account is past due, and instructing me to send money via a website, via credit card, or debit card, or via money order. They listed a disconnection date of XXXX/XXXX/15. However, they list an account number that it is not mine, and XXXX never disconnected my number on such date.
XXXX  and XXXX has been spying through my old XXXX XXXX XXXX XXXX since I bought it back in 2013 in XXXX. I used to own a XXXX XXXX which was totaled in XXXX, IL. 

I used the money from my XXXX to purchase the XXXX. The XXXX was my only mode of transportation and carried me on countless trips back and forth to XXXX XXXX, and the Texas area. I no longer own the car, however, I continued to receive " promotional '' content regarding the vehicle. I believe XXXX  and XXXX are spy agencies geared towards controlling the world using their drivers, cars, and illegal XXXX XXXX XXXX   schemes to force the world to think, act, and believe anything they say. I will never work for them again in any capacity, and ever since I began working for them, I have been unable to escape their greedy illegal tactics.
I had XXXX  XXXX in XXXX of this year, and went back to work on light duty in XXXX and being on XXXX the paycheck was decreased but the loan was covered until XXXX. Due to bills being behind and I have not being able to work extra due to light duty, and just discovered another health issues that has also being hinder me from working extra since I am back on full duty since XX/XX/XXXX. I have talked to them they could not do another loan because I did one already, due to health issues earlier. They called my job 3 times, They are calling on Sundays. They are calling 3 to four times a day. When I try to explain they are just telling me what I need to do, I have spoken with a miss XXXX and she has left messages on my jobs and I have asked them not to call my job, I have stopped answering my phone, because they are aggressive and I have a XXXX XXXX and I am not allowing them to upset me. I do realize I owe this loan, but if they would be patience I can resume making payment next year XX/XX/XXXX. some dates are XX/XX/XXXX @ XXXX & XXXX XXXX XXXX, XX/XX/XXXX @ XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX XXXX XX/XX/XXXX @ XXXX, XXXX, XXXX @ XXXX this a just some of the times and you can clearly see XX/XX/XXXX and XXXX is the weekends