WillisBack/dataset-financial-user-claim huggingface dataset:
I sent a letter to Trans Union in XXXX, asking them to investigate errors that appeared on my credit report. Over three months have passed, and they have yet to respond.
My personal information was taken by an identity thief, I 'm asking the last XXXX hard inquiries ( XXXX ) ( XXXX ) on my credit report. be removed or blocked I have a police report number XXXXThank you in advance
My mortgage was current with XXXX. I became unemployed and it took XXXX months for keep home CA to start making payments on my mortgage so once they started making payments my mortgage became XXXX months behind even though they were paying each month. Initially the program paid the wring amount because XXXX all of a sudden said my reduced interest rate from NACA was only temporary but NACA says it was permanent. During this time my mortgage was sold by XXXX to SHELLPOINT Mortgage Servicing. Once keep home Calif stopped paying my mortgage was immediately XXXX months behind. As I was only working part time I couldnt pay my mortgage and it became past due. I was working with the Shellpoint mortgage company who sent me a request for documents. I sent the same documents 4 times and they sent me acknowledgement letters saying they were working on my information for lian modification but just put my home in default and foreclosure while still requesting the same documents already sent several times. Shellpoint did nothing to help me keep my home at all.
Hi my name is XXXX XXXX and I 'm filling a second complaint against bank of America again I received a letter about my claim and it was denied by the bank in the amount of XXXX and it was rebilled back to me and I also received a phone called from a banker and she was unprofessional and called me too early in the morning and told me that I was denied on another claim for XXXX XXXX in the amount of XXXX and XXXX and I was rebilled twice and I never used the temp credit and I also received a rebilled for XXXX in the amount of XXXX and XXXX in the amount of XXXX and never was issued a temporary credit for those two charges and I was told that my investigation will be reopend but I have n't got my issued resolved yet and my credit score is dropping by 15 points every two weeks and I 'm not responsible for these charges my card was stolen alone with my wallet and car keys I report this to the ploice dept and call bank of America and open up a dispute in the amount of XXXX and it was denied because of the chip use and I told bank of America I never used my card at stores and they have n't done anything and leaving me responsible for the charge and I cant afford to make payments for it I called XXXX bank to put a stop payment on XXXX because I did n't authorize it that debit card was stolen as well and I got a new debit card on that on ending XXXX
At the time Equifax was hacked, they allowed my personal information to be taken. I have put a 90 day watch on my accounts with all three credit reporting agencies. I now have to monitor my credit reports on a weekly basis. I have been in contact with Equifax and I have a conformation number. I now have to sit back and wait to see what happens. It 's now going to be a pain just to open a new credit card or anything else. I 'm sure its just a matter of time before my accounts start getting hit.
Went online to get the loan and told us we could only get a vehicle at XXXX XXXX. Then we picked out a car and his parents asked them if it was XXXX financing. They lied and said it was, then we picked out a XXXX XXXX. The next day we got a ride and they gave us a different vehicle and it was very clear that the paper work had been done over where we signed to read something completely different and our ride had already left so we had to drive the vehicle back home. The first day home we filed with the Attorney general 's office. We were told by them not to pay the payments so we would not validate the loan. THEN I FOUND OUT THAT SANTANDER HAD BEEN ILLEGITIMATE, and had filed bankruptcy. We Never used the vehicle as it was not the one we purchased and we will not pay for it. THEY PULLED A Bait and switch and its illegal. The vehicle was returned to XXXX XXXX.
This GreenSky loan/line of credit is the payment method for XXXX XXXX replacement windows applied for in person with an XXXX sales rep. 
GreenSky did not provide statements of the loan from XX/XX/2018 until XX/XX/2018. Their paper statements and website encourage the use of e-statements, but I was told several times that their e-statement portal does not work properly. I was told statements will never be made available from XX/XX/2018-XX/XX/2018, that they do not have the necessary information. 
I had to spend several hours over 6 telephone calls attempting to get the account information I am entitled to and that they are obligated to provide. During this time, I also received a letter from GreenSky that my complaint had been closed since they were unable to reach me, although they did not try to reach me. I provided two phone numbers, a fax, and an email address. 
I can not recommend working with GreenSky for any reason. Terrible service flouting consumer finance guidelines.
Synchrony issued a Walmart credit card in my name without my knowledge or permission. I received the card on XXXX/XXXX/15 and a bill for purchases on XXXX/XXXX/15 which I did not make. 

I spoke to their fraud investigation department and they did not even require a photo ID or signature to issue the card which was done at a Walmart store and a large purchase was made at te same time. Thats really XXXX security over credit card issuance. 

Further, after I supplied them with every bit of personal info they requested about me they refused to provide me with any info about the purchase or what info was in my bogus file.
I wrote a check and was holding it pending the repair of my car. The merchant took a photo to show I would pay upon completion but instead the merchant processed the photo as a check and Wells Fargo paid the photo despite telling them I had never tendered the check and it was in my possession. 

It was check number XXXX for {$2300.00}
in my equifax credit report i have this address in it XXXX XXXX XXXX XXXX XXXX, TX XXXX i have never lived there or ever been there.
CHEXSYSTEMS COMMITS FRAUD BECAUSE THE BANK IS A TOTAL FRAUD THEY THEY CO-CONTRACT WITH ; ; ; ; ; ;,,, SEE EVIDENCE HERE,,, XXXX WANTS TO XXXX ME AND THEY USE XXXX TO EXTORT THE FUNDS,, XXXX AND XXXX XXXX COMMITS FRAUD, he claims i owe something when the original instrument is quite valuable i see they make up excuses to keep this alleged ''bad check '' that they made profits from and keep secrets, if the check was bad so give it back, but rather the contrary i did them a favor and made them a securities instrument they can sell because thats what they do to everybody. Unless you can provide a verified complaint which lawfully consists of a sworn statement under penalty of perjury notarized with your wet ink signature also provide me with proof of debt which would be a bill other rather than a statement all this XXXX you're talking about is nothing but presumptions and word semantics and I'm not falling for it because you're guilty and I'm going to prove it furthermore you have not cited the particular federal law you speak about which federal law? Quote me the citation that you highlighted in your little book that you sent to me show me the actual federal law that you speak of. A bill would show something that's old I have never received a bill. The check that you have sold as a Securities instrument with my wet ink signature I have located it and when I fly over on the airplane to retrieve that instrument all XXXX XXXX is going to break loose I'm going to expose the biggest fraud of the banksters you don't XXXX sell my XXXX signature and make profit off of it and then tell me that I owe you something let me tell you something XXXX  XXXX
I deposited {$260.00} into an ATM at TD Bank XXXX XXXX XXXX. The ATM read it as {$160.00}. I immediately filed a claim with customer service. When I did n't hear anything after 2 weeks I went into the branch and filed another claim. The gentleman that helped me told me that the customer service representative did n't save the claim the evening that I called. It was also noticed at this time that the {$160.00} that the ATM had recorded that night was also not in my account. I waited almost a month and still had n't heard anything so when I was making a deposit, the gentleman that had helped me told me my claim had been denied saying there was no proof of my deposit at all. So not only did I not get the {$260.00} I did n't get the {$160.00} either.
Our mortgage has been transferred again in XXXX 2015 from XXXX XXXX XXXX , XXXX to LoanCare, LLC XXXX XXXX, VA today I called to have the due date changed back to the XXXX of the month. I was told the company does not change due dates. So this means my payment will be reported to the credit bureau as being paid late, and lower our credit rating. The reason I ask for the due date to be changed back to the XXXX is because my husband gets paid once a month and it 's on the first day of the month. We always set up our payments for after the XXXX of the month to avoid being late on payments. It looks better on the credit report and a better credit score for better interest rates on loans. I just can not believe this or any loan service company can put our credit at risk like this. We work hard to have good credit and now LoanCare is going to hurt our good rating as they will not work with us on moving the due date back to the XXXX of the month. Thank you
Maintained a Business Checking Account with US BANK NA, received payment via wire transfer on or about XXXX/XXXX/15, in response to what we believed to be a prior invoice issued earlier in the year, as the dollar amounts matched to the penny. Funds cleared and remained untouched in Account for 10 calendar days. On XXXX/XXXX/15, Account was subsequently frozen on the grounds the wire had been sent by our client from an 'unauthorized source '. Purpotedly due to our clients preferred source of funds for payment, our Account was subsequently closed in XXXX 2015 and the business was reported to XXXX for the following : * Non-sufficient funds activity * Writing checks on a closed account Neither of these alleged activities ever took place, nor was I accused of such activity while in communication with bank, nor does bank have any record to support such a claim.
Despite several attempts to have old information removed from my credit report, Experian refuses to conduct an investigation. They have written me explaining that they refuse to conduct a re-investigation of this account.
I have a loan through caliber home loans and have XXXX as a payment reduction plan. 
I have made several attempts to contact caliber due to the fact that they are not paying the funds properly. Caliber pays the payment forward instead of reducing the principal of the loan. This has been going on for several years now. I call them and caliber will comply for a month or two and then go back to the same problem again and again. So I called XXXX to resolve this and have an audit performed as to insure my funds are being applied in the proper manor. Just as with me caliber keeps rotating staff so as to make it impossible to speak to a complaint person and refused to comply with XXXX to provide the nessasary documentation to allow this process to be completed. I called caliber at least 6 times and XXXX has sent repeated letters via email and even had a conference to insure that it was OK to provide this information to a secondary company for security reason. Now I 'm at the end and this is why I contact you. I have nowhere else to turn. I 'm trapped between XXXX large companies that keep placing walls that I can not get through. Caliber will not comply with XXXX even after all the attempted contacts were made and both companies have full documentation of all attempts, calls and emails that have been sent or made.
Chase has issed denials of receipt dispute documentation and when provided with it refused to assist. 
The charge of XXXX was not authorized nor was there any documentation to substantiate it. 
Am confused why my credit card company of many years would intentionally work against me. 
I am owed XXXX from XXXX from the XXXX XXXX. 
Please return this money that was taken without my signature and consent
I wrote checks from XX/XX/XXXX-XX/XX/XXXX to a person from my Wells Fargo checking account. The signature of the recipient was forged by multiple people, and the funds were released from my account. Several of the checks were not signed, but the funds were allowed to be withdrawn from my account anyway.
Macy 's has been charging a " minimum interest charge '' of {$2.00} per month. This happens when I have paid the account in full as of the due date but have made a new charge which has n't become due yet. 

I know this practice was common many years ago and then it stopped. When it stopped, I assumed it had been outlawed. Either it was never outlawed or the laws have changed. 

None of my other credit cards do this. 

Thanks for your help.
In XX/XX/XXXX, I was significantly affected by Hurricane Harvey. This tragedy left my family and me homeless for a month and a half and during the majority of the time, I had no access to a phone, Internet, or other communication sources. Additionally, I lost my job due to the hurricane and was unable to make payments on some of my credit card accounts. I was unable to reach out to companies as I did n't have the means to do so and, frankly, it was not a priority of mine. Knowing that I was affected by the hurricane, these companies still reported late payments on my account, which I feel to be disrespectful as I was going through a struggle. 

After I was able to move back home, I got a job and was able to start making payments on my accounts. In XX/XX/XXXX, I sent goodwill letters to companies explaining my situation. The majority of them did not agree to remove the payments. I am not contacting you all to see if this issue can be resolved.
I am a XXXX I borrowed emergency money from my pension from the state of NJ in the amount of {$3000.00}. I used the mobile application for bank of america. It said the funds would be available after XXXX XXXX the next day. The deposit was made on XX/XX/2018 so the funds should have been available on Tuesday XX/XX/XXXX. I get another alert the next day saying there was a 10 day hold until XX/XX/XXXX. I immediately called the bank. They said they couldn't stop the transaction or lift the hold. I wanted to know why I was not alerted at the time I deposited the check as to the hold that would be placed on the check and given the opportunity to continue the transaction. I was also told the funds would be available the next day. then to be told it would be 10 days. I have lost so much money. Funds have come back, I have late fees, I could not pay anything. It is a state check it should not have a 10 day hold. I should have been alerted at the time of the deposited and given the opportunity to go deposit the check somewhere else. As to not have anyway to rectify this and to hold on to that money for ten days seems to me severe and unacceptable and false information was given to me.
I worked with Wells Fargo to to qualify for a loan modification and sent in required documents. Though we qualified, each time they would deny us on a minor technicality such as a date missing. I submitted 7 times. Hundreds of documents. XX/XX/2015 and XX/XX/2016. 

Although my husband and I are both became ill and XXXX 10 years apart, we always kept up with the mortgage for many years. Unfortunately I had to file for bankruptcy. 

XX/XX/2017 I filed for bunkruptcy but we had he house on the market on a shortsale and received an offer. Wells Fargo accepts that offer in XX/XX/XXXX and sent us a letter to that effect and a phone call. We were waiting for the closing date but got a letter of foreclosure notice. We thought with a shortsale a foreclosure was not an option given the letter we got from Wells Fargo. 3 days before the foreclosure date we find out from the shortsale lawyer and realtor that they are going ahead with the foreclosure and not the short sale. As far as we are concerned Wells Fargo has played games to go the foreclosure route as opposed to : 1. Loan modification 2. Shortsale Wells Fargo had no plans to allow us to modify the loan or sell the house via a shortsale. They had ulterior motives all along.
I received a letter on an old debt that is out of the statute of limitations for Collections in XX/XX/XXXX. I sent the debt company a certified letter within 30 days advising to stop all communication with me and the address about the debt. This debt is not on my credit report. The company forwarded the debt to their parent company who sent out another letter with a summary of the verification of the debt. This information was not requested in the stop communication letter. This debt originated in XX/XX/XXXX, was charged off in XX/XX/XXXX and acquired by the current company on XX/XX/XXXX. I am not aware of all the statute of limitations, but I still assert this debt is old and can not be collected. I am not sure how to respond to the latest letter from XX/XX/XXXX. 

Thank you for your assistance!
Hello, I am writing to make a complain against Paypal XXXX and XXXX XXXX XXXX XXXX which dealying adding money to my account and holding the money for a week without any progress ( PayPal Ticket # XXXX ). 

On XXXX ( Mon ), I bought XXXX PayPal cash card ( each with {$500.00} XXXX and tried to load into my PayPal account. The loading failed with " my cash card error code = XXXX ''. I retried several time and all failed with the same error. Then I called customer service in the evening and a ticket ( # XXXX ) was created. As requested, I emailed them immediately after the phone call the pictures of my driver license, front and back of the receipts and PayPal cash cards. I was told it somebody should contact me in XXXX hours XXXX 3 business days XXXX. 

But nobody contacted me since then. On XXXX ( Thu ), I called back and was told they received my documents on XXXX XXXX, I should wait for another day. On XXXX ( Fri XXXX, I called again and was told no updates, I need to wait for another day. I wait and called again on XXXX XXXX Sat XXXX, still no news, have to wait. I then called again today ( XXXX Mon ). Still no update, suggest me to call back again tomorrow. 

One week passed, many phone calls, wasted so much time and still no updates. I do n't think it is right to hold the money for indefinite period of time. I have no other choice but to write this complain and hope the issue can be solved ASAP. Thank you! 

Best Regards, XXXX XXXX
inaccurate information id theft cra and hippa violation not 100 % must remove violation of my consumer protection act
The branch manager put a false fraud alert on our account because she got mad at me for stating to management I did not like the way she talked to me and embarrassed me. She retaliated and said she will fix me and put a fraud alert on my account which froze revenue and held all my revenue. They have held all funds for over 30 with no resolution this is wrong and I do n't want my funds held any longer. I want them to release my funds and close these accounts and I never will bank or refer anyone to them ever again. 

This bank is BB & T Bank XXXX XXXX XXXX. XXXX MD XXXX XXXX XXXX XXXX is our account name
Back in XX/XX/2017, I had opened a wireless contract with XXXX XXXX. My bill was suppose to be {$100.00} a month. But when my bill was due, it was over {$100.00} a month. And when I bought the phones from XXXX, they was junk and didn't get good reception. Also the phones would freeze up and the XXXX XXXX store would crash. XXXX placed it in collections with an amount owed almost {$500.00}. They charged me a cancellation fee for their service. They will not adjust the bill like I asked. Even when I did make payments, it would go up even higher. So I would like to file a claim if they cant adjust it.
I was encashing my paycheck, as always been the case, with Bank of America branch. I have no problem before until now. An XXXX XXXX XXXX Manager 2 of Bank of America at XXXX XXXX XXXX XXXX, CA XXXX, refused to encashed my check. I showed them my paystub and the check but I was met with racism, arrogance and when I said I was going to complain for the treatment, and when I asked for his name, I was shouted of which the whole branch would hear literally. I was met with sarcasm and threat! This person is XXXX XXXX. He mocked my XXXX and belittle me.
I have spoken to this debt collector multiple times, the first time being XXXX. I have made it clear that the debt was not mine, that I did not live at the property they have claimed I have move out fees from. I was told they would send me a fraud packet, a week later, nothing received and I call again. Im told they are now trying to get a copy of the lease to validate the debt. I then call on XXXX, after still nothing has been received, and Im told they are still working on it, but cant remove the account from my report, even though it has been greater than 30 days since I initially requested information to be mailed. Now I have filed a report with FTC for fraudulent activity/identity theft. As of last week, they have received my report and the letter with my request stating that I demand the account be removed, yet Im told again that they can not do this. It has been XXXX weeks since I began dealing with them, and since I requested this fraudulent account be removed. I have been denied rental property applications due to this account and am staying in a hotel. This is creating an unnecessary expense, due to their refusal to support my fraud report and follow the law in reporting the account.
I have called and asked for a better loan, lower payments and lower interest ever since the loan was given to me.
I have been disputing these items for over 6 months and they have yet to prove to me the validity of these items in regards to their completeness, verifiability, and their accurateness. 

XXXX XXXX Please take off the late things from this account because I believe I made my payment that month. 

US DEPT VETS XXXX Please take a look at this collections account number and balance because it seems off. I do n't think it 's XXXX accurate. Remove it from my credit report immediately please. 

USDOE/XXXX XXXX Please perform an investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match my records. 

XXXX XXXX XXXX Under the FCRA , I request a full investigation on the responsibility and the amount of this collection. Please remove this collection for FCRA violations because I do not believe it is accurate.
I have contacted XXXX XXXX XXXX ( XXXX XXXX XXXX ) regarding this paid collection that is on my credit report. However they still refuse to remove this paid account from my XXXX credit report
problems have never been handled right tired of being treated as anything other than the victim. i opened a business account in XXXX told no fees waiver for 6 months of course the fee was billled every month which meant i was lied toor that red tape won over. all you get from this bank is a reminder of the greedy rules with no accountability of what i endured in terms of my time and other getting feed. when i was not supposed to. now i have an overfradt since i transferred money out to avoid it getting taken when bank keeps applying fee even tho there is supposed to be a waiver. 
its truly uinbeleivable. 
you can cut the greed with a knife.