WillisBack/dataset-financial-user-claim huggingface dataset:
Good morning, I am currently serving in the United States XXXX XXXX and have been for 16.5 years. I am attempting to get a home loan. My XXXX children and I are living in a hotel while we wait for the below issue to be resolved. No one has been able to remove the information from my account. It is causing a serious hardship for my family. 

I had a loan account open from XXXX XXXX with an account number of XXXX. The account was showing late for the months of XX/XX/2018 and XX/XX/XXXX-XX/XX/XXXX. I have made the same account payment for years and was never reported as late on my credit report. I contacted XXXX and identified the issue. Nothing was done on their end and on or about XX/XX/XXXX, I submitted a dispute to XXXX, Transunion and XXXX. On XX/XX/XXXX, I received back the dispute and nothing was changed on my credit report between last Tuesday and today ( XX/XX/XXXX ) when the bureaus refreshed. I spoke with XXXX on XX/XX/XXXX and they notified me that codes were imputed into the system to let the credit reporting agencies know that I was not late and it should not be reported as such. XXXX has made the change in their system and notified the companies according to the agent however, it is not reflecting on my report.
At XXXX, and Credit Karma, the later couldn't let me through, and XXXX would not continue the prompts online, making it frustrating. My room mate, XXXX got hers, but I could not. I need it to rent an apartment, or I will be homeless!! please tell me how I can get my report. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
I have a free-fee checking account with Bank of America (  BOA ) since XX/XX/2012. Basically, I don't need to pay the maintenance fee for this account even if the fund is lower than {$1500.00}. And in past years, I didn't receive any maintenance fee charge for this account.But when I checked my statement yesterday, I found I had been charged {$12.00} maintenance fee since XXXX, and had been charged 5 times, {$60.00} in total. 
So I called the customer service to figure out what happened. Then the agent told me, in XXXX, BOA converted the free checking account to e-bank, and customers would be charged for {$12.00} maintenence fee if the fund was lower than {$1500.00}. I asked when the notice sent out to the customers because I didn't receive any notice of this change ( I confirmed this by checking through my email inbox ). Then I was told the policy change was printed in the statement in XXXX. 
This is totally reckless and arbitrary. If the bank wants to do the change, which will potentially damage customers benefits, it should notify customers in a more direct and transparent way. It's hard for me to find the information on the long and wordy statement, especially given the fact that the account is used heavily.
XXXX XXXX XXXX and equifax shows collections accounts and credit cards I did not open XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX company Ive tried to dispute I havent got anything fixed
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
XXXX / XXXX, claim I allegedly owe {$40.00} for a doctors visit I do not recall. I have repeatedly asked them to either send me a copy of the invoice or stop calling me daily, do date, they have done neither.
I have an account on collection who belong to my ex-husband and now I am getting phone calls from collection agency who ask me to paid a debt that does n't belong to me and treated me on the phone. I want this calls to be send to the correct borrower my ex and not me.
I had filed a dispute for a transaction that merchant did not provide services as agreed. I tried to work with merchant but was unsucessful. When WellsFargo revuewed the clsim they provided me with temp credit as my dispute was making sense. When the case went to XXXX  abritation, XXXX declined saying there is no breakdown for price. Wells Fargo also reversed the credit on my account. WellsFargo is not willing to appeal the case saying its costly affair. My question is if the merchant never provided breakdown on actual invoice, how I as a consumer can provide that. The breakdown of charge allocation should be from merchant not consumer
I was pursuing a mortgage with Suntrust and paid them an initial fee for an appraisal of the property. They told me that the appraiser told them that the property is a commercial farm. The property I wish to purchase is not a commercial farm as it only has a XXXX stall barn and about XXXX acres in pasture, AND the appraiser called my real estate agent to discuss the property but he never went to the property. The underwriter did not want to approve the loan due to my debt level and someone fabricated a story about the appraiser saying that the property was a commercial farm was the most important reason for declining the loan. They also were working off an old credit report with lower scores. They refused to listen to me and declined the mortgage. They told me that the appraisal fee would be returned because there is no appraisal but I have yet to see this. My complaint is that they have never returned the appraisal fee. The loan officer was XXXX XXXX based in XXXX, NC.
I tried to get my annual free credit report on line for year 2015 and Transunion will not give it to me because they ask questions that do not apply to me. They apply topply to another person whos information Transunion keep wrongfully adding to my credit report. This happens every year and I have to spend many hours complaining and filing law suits in Federal court just to get my credit report from them. Then the information is incorrect and I have to start all over again every year getting the same information taken off my credit report. It is against the law for them to hold wrong information on my credit report and then due to that wrong information they refuse to give me access to my credit report but allow the other person access to my credit report. Please make this idiot company give me my credit report as this is again affecting my credit and my employment. 
The questions they ask me are did I live at XXXX? which I did not, Was I known by another name of XXXX? which I have not, I have only EVER been known by my own name. Then am I associated with XXXX? which I am not. Due to my giving the correct answers to these questions Transunion again have denied me access to my credit report. It took most of the entire year last year to get this information corrected and once again they have added it back to my credit report when I IS NOT MY INFORMATION. Please see the very many complaints I had to make last year to get my report and then to get it corrected. Now we are back to square XXXX again and they have caused me to lose XXXX jobs because of their NEGLIGENCE
Bbva compass will not remove the XXXX fees from my account after someone tried to use account Date : XXXX/XXXX/2016 From : XXXX XXXX To : XXXX XXXX Account : Savings XXXX Time : XXXX Reference ID : XXXX Memo : I am unable to issue dispute under account XXXX 1. Amount of change {$38.00} x XXXX NSF 2. Posted date XXXX/XXXX/16 & XXXX/XXXX/16 3. Merchant name XXXX 4. Reason for dispute ( cancelled services, onetime payment, etc. ) This transaction is not for me this is not my insurace carrier I never initiated services with them 5. Your current mailing address XXXX Fl XXXX 6. Your phone number XXXX 7. Preferred method to receive the dispute paperwork ( by mail, fax, or email and provide such information ). email 8. Have you attempted to contact the merchant to obtain a refund? Yes I contacted this merchant initially on XXXX/XXXX/2016, and was advised there was no way to provide me any information as the SSN provided, Drivers License number, address, and also the DOB provided does not match my information. The merchant explained I need to contact my bank. 
9. If so, what date and what was their response? XXXX/XXXX/2016 I was advised there was no information t CloseDelete Reply
I had a forbearance on my mortgage payments for Hurricane Irma. In XX/XX/XXXXI called to start paying my mortgage. Was told by the teller named XXXX that there are only 2 options coming from FHA. One is a Cap and Extend which will modify the loan, the other is a lien on the house for the amount due during the forbearance. I was guaranteed by 3 representatives that these were the only options available and everything would be settled in 30 days max. I got a call from Caliber Home Loans a couple of weeks later telling me I was denied for all options and would have to start the process all over again. They never informed me that denial was a possibility. To the contrary they said everything would be complete in 30 days max. Now, in this time I have arranged for loan with the SBA disaster loan department for {$40000.00} and a lien on the home. I'm being told by the mortgage company that this lien will not stand because my home mortgage will be modified and a title search will be run, and when they run title and see a lien for {$40000.00} on my home they will not modify it again. I don't have the money to pay back now and becuase I relied on the statements of the company ( nothing was given to me in writing ), I might not be able to pay them back.
reporting an incorrect account, incorrect account number, a missing field of XXXX- month payment history, an inaccurate date of last activity, an inaccurate date of high credit, an inaccurate date of credit limit, an inaccurate actual payment amount, an inaccurate date of last activity, an inaccurate activity description, an inaccurate date of last update an inaccurate description of month reviewed. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

these items must completely deleted according to inaccurate and incomplete reporting under the fair credit reporting act
I had some charges pending on my account and all banks process between XXXX to XXXX the next morning. I had a direct deposit pending on my account when I log in at XXXX on XX/XX/2016 and the charges were still pending. I said okay my deposit will hit so I am good. Was wrong the bank gets over and charges me 2 fees on the account when the deposit was there. They are wrong for this practice to get over on consumer and make money. Regions is the only bank that does this and I do n't think its right.
XXXX bought my XXXX bad debt credit card of {$10000.00} from XXXX in XXXX of XXXX. I received a judgment against me for XXXX which I have been paying monthly notes of {$120.00} every month through XXXX. 

I paid total of {$8500.00} as of XXXX/XXXX/XXXX. XXXX added {$6300.00} interest to my balance of {$2900.00} on XXXX/XXXX/XXXX. I contacted an associate of XXXX XXXX XXXX about this interest and she stated if I do n't settle to pay XXXX % of this debt they will garnished my wages.
This account was on my report years ago. I filed a dispute and it was taken off my report now after mysteriously after 3 years its back on my report. I asked several times for them to remove it because of it was a fraudulent and I asked them to send me a validation of the debt and they said they didnt have to send me anything by law.
I have disputed this account in which NAR is reporting on my credit report. This account does not belong to me. I never opened this account. I disputed this account as well with all three credit bureaus. I requested that they validate this account and verify it, I was sent back information saying the account was verified and updated. I called NAR on today XX/XX/XXXX and asked them again to validate the account or I would file a complaint and sue them because this inaccurate information is affecting my credit negatively. I was told by the representative that all they have is an itemized statement and I in turn told her that doesn't validate or verify the accuracy of the information that they are reporting on my credit report. The representative told me that it was up to me to prove it wasn't my account and I adamantly told her that the company is reporting and they by law have to proove it's actually my account and if they couldn't verify it then they had better remove it from my credit immediately and I was informed that they couldn't do that. So, at this point I am asking for assistance in having this inaccurate and fraudulent information that they can't validate removed from my credit report. Thank You my name is XXXX XXXX my social is XXXX my date of birth XX/XX/XXXX the account is Account # XXXX amount in collection XXXX debt collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
After reviewing my credit report, I noticed a hard credit pull from a company that I did not authorize. My credit is very important to me and I did not authorize this inquiry.
Navient consolidated school loans taken out in my name for my daughters college education. She became critically ill in the first semester of her XXXX year and recovered, but had to drop out of college. Navient attempted to collect XXXX XXXX dollars a month on her school loans! At the time of the consolidation the loan was {$29000.00}! In 2007. I had XXXX children at home, I was going through a divorce, and had to move out of my home and buy another during the height of the mortgage crisis. Each time I spoke to a representative, they sugested forbearance. And never ONCE offered an alternative solution. This has been a living XXXX working with these people, all of whom reside in the XXXX and are very difficult to understand. I had to claim bankruptcy and shortly after had to go out on XXXX for 10 months fora XXXX. ( Navient said they could n't do anything but forbearance ). Now my payments are up to {$440.00} per month and the balance is up to {$48000.00}!!!! 
Frustrated in XXXX XXXX
On XX/XX/XXXX, Navient sent the first reminder for me to send in my application to renew my Income-Based Repayment plan for XXXX. On XX/XX/XXXX, I submitted my application for renewal and it was complete and sent and received by Navient on XX/XX/XXXX. I did not receive confirmation from Navient that it was approved and on XX/XX/XXXX, I received an email stating that my payment would be going up in XXXX to {$760.00}. However, I received a monthly statement on XX/XX/XXXX showing that I would be charged {$540.00}. Due to the difference in the amount shown on XX/XX/XXXX and XX/XX/XXXX emails, I thought that my Income-Based Repayment plan had finally gone through and my monthly amount for XX/XX/XXXXwould be {$540.00}. However, on XX/XX/XXXX, I was charged {$760.00}, despite the last communication sent to me showing {$540.00} on my XXXX statement. I called Navient and the woman that I spoke to admitted that they had made a mistake and despite having my information, they never put in my account what my new IBR amount should be. She told me she would put my request through and that my new monthly payment should actually be {$110.00} per month. She also told me that it would take about 48 hours to refund my money, if I was willing to send my bank statement showing that the {$760.00} payment was on there. If I was not willing to send my bank statement, it would be up to 10 business days after the payment cleared with them in order to get my refund. 
I received an email on XX/XX/XXXX that my IBR had been approved and that my monthly payment would be {$88.00}. Therefore, I was charged {$220.00} more than expected and {$670.00} more than I should have been on XX/XX/XXXX. On XX/XX/XXXX, I was charged with an overdraft fee due to a check that had been written prior to the XXXX charge from Navient that we would have been able to cover had we not be charged the incorrect amount. We now have a {$12.00} overdraft fee and likely at least one more coming due to autopayments that were previously scheduled an unable to cancel at the last minute after Navient charged this. Luckily, my spouse and I have other ways to cover any expenses that we need this week as we wait for the refund.
I checked my credit report to see this company Midwest Recovery System on my credit report for {$760.00} for a payday loan I have never applied for or received. I attempted the contact the company for over a month now and have not received any respond. I have not received anything in the mail. This company called me several times before in which I asked for prove of this account and was told they did not have to give me any prove and I will received everything when the police come and pick me up. 

This account has affect my closing on my home loan due to the company refuse to respond to voicemails or dispute letters. I want this account deleted from my credit report like yesterday or I will be sueing this company. My lawyer has also attempted to contact them and received no respond.
I sent a request to XXXX  on XX/XX/2018 to have them remove a dismissed bankruptcy listing on my credit file and they did not respond to my request within the 30 days allotted by law and I even gave them over 45 days as outlined in the FCRA that says under certain circumstances it may take that long. I then sent a second letter on XX/XX/2018 to have them remove the bankruptcy and they did not respond until XX/XX/2018 with a letter explaining the investigation process and they then sent a copy of my credit file after 31 more days. They have violated the law by not responding in the allotted time frame and they must remove this item immediately. I have enclosed proof that the letter was received and signed for on XX/XX/2018. This listing is causing to be denied credit and the credit that I am able to get I have to pay high interest on
I just got off the phone with a rep from Experian checking on the status of a dispute submitted back on  XXXX   XXXX  via mail certified return receipt request and she stated that my dispute was not received and the last dispute the see was from  XXXX   2017 . So now I am confused because someone at  XXXX  signed for my dispute so i am not sure if it was discarded. This is upsetting me because if someone mails in a dispute it needs to be acknowledged and worked on. I am attaching a copy of the dispute sent which was the second request. i will be sending  a 3rd requ est this week if there is no resolution.
I went online to Bank of America ( BoA ) credit card website to payoff the full amount due. The website indicated that the full amount due was {$7100.00}. There was nothing on the website to inform a consumer that paying the full amount indicated would not fully pay off the account. I made the payment for the full amount and believed I now had a zero balance on this account. As I had closed the account a number of years ago, my intention was to no longer have to make any additional monthly payments. To my surprise, instead of the next account statement showing a XXXX balance - it showed that I owed and additional {$38.00} due no later than XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, I called BoA and spoke with a customer service representative, " XXXX. '' She transferred me to her supervisor, " XXXX XXXX, '' who identified himself when asked, as a " supervisor of the agent team. '' XXXX XXXX acknowledged that there is nothing on the website that explains to a consumer who wishes to pay the amount necessary to result in a zero balance on the account that the amount shown as due, on the day that the consumer signs onto the account, is NOT the actual amount that must be paid to XXXX out the account. 
XXXX XXXX explained that despite this failure to inform the consumer on the website, BoA refuses to credit the {$38.00} because somewhere in a revised terms of service, which he said was sent out in XX/XX/XXXX, it explains that if the consumer wished to pay off the full amount owed, the consumer must call BoA to find out the real account balance. 
I explained to XXXX XXXX that the failure to provide this information on the website -- in the " Pay This Card '' dialog box that pops up to allow the consumer to click on the " Make Payment '' button, and enter an amount to pay, is misleading. I asked that the {$38.00} be credited back to the account such that the next statement would show a XXXX balance, and he refused to do so, again restating the explanation in the paragraph above.
I have no debts that are in a collection status, great credit score, am not the person this company is trying to contact.
I had applied for and was approved online instantly for a Comenity Capital XXXX XXXX Visa card with a {$10000.00} limit and a {$49.00} annual fee. The card arrived in the mail a week later. I activated it and had barely used it for 5 days before they closed the account due to a " security concern '' which they could not share the details of. They still charged me the {$49.00} annual fee and now refuse to refund it ( even though I had it for 5 days of the 365 days the annual fee was meant for ). They also dishonored the sign-up bonus of XXXX XXXX XXXX points that I was entitled to as per the sign-up agreement and the XXXX XXXX XXXX points I should have received for my spend on the card. 

I have XXXX FICO with a clean credit report, and have never had a closure from any other bank. Customer service was extremely unhelpful as well. I spoke to 3 different supervisors to refund my {$49.00} fee and they all refused to budge. 

This is a direct violation of their own policy as my statement terms from Comenity state : " XXXX FEE : This fee will be charged with the close of your first billing cycle and will be assessed annually in the same month thereafter. We will refund this fee if you notify us that you are closing your account within 30 days of the mailing or delivery date of the statement on which the fee appears. The fee is otherwise non-refundable ''
I transferred XXXX USD onXX/XX/XXXX to coinbase.com and they promised to credit to my account on XX/XX/XXXX Today is XX/XX/XXXX and it has not been credited yet.. I opened a case with www.coinbase.com Case # XXXX IMAD # XXXX. NO RESOLUTION. They are not even responding to my emails. I am also ID verified on coinbase. They simply stole my money and no one to talk to or resolve the issue -The full name on the account the wire was sent from : XXXX XXXX XXXX XXXX -The amount of the wire = XXXX  USD -The date the wire was sent XX/XX/XXXX -- The federal reference # IMAD # for the wire FED # XXXX More DETAILS OF WIRE TRANSFER WT FED # XXXX XXXX XXXX XXXX=XXXX XXXX XXXX XXXX # XXXX TRN # XXXX RFB # XXXX
XXXX XXXX paid XXXX XXXX/XXXX XXXX fraud never had an account with either company. I wasn't even XXXX. I already disputed XXXX XXXX who took it off but this collection is not mine either. 
XXXX XXXX - I am an authorized user. Account does not belong to me. 
XXXX fraud never had an account with either company. I wasn't even XXXX. 
XXXX  account fraud this account does not belong to me.
I had my vehicle repossessed after losing my job with a remaining balance of {$8500.00} in 2015. Within a weeks time I reclaimed the vehicle and paid all fines associated with reclaiming the vehicle. I continued to pay the vehicle at the minimum payment of {$180.00} up to double to amount, {$400.00}, due per month. The vehicle is paid off and still shows on my credit report with inaccurate information. I attempted to call the bank but only get shuffled around departments and never to anyone who can assist with the issue. I have had multiple people tell me the bank does n't hold the account but yet it is reported as such on my credit. Not only has my XXXX credit report failed to change but I have also not received my lean release.