WillisBack/dataset-financial-user-claim huggingface dataset:
I DISPUTED A COLLECTION ACCOUNT IN MY CREDIT FIL ( XXXX XXXX ) FOR THE AMOUNT OF XXXX DOLLARS.THE AFOREMENTIONED ACCOUNT WAS DELETED FROM MY FILE IN XX/XX/2018.I DISCOVERED THAT THE SAME ACCOUNT RE-APPEARED IN FILE ON XX/XX/2018.I DID NOT RECIEVE A LETTER OF THE REINSERTION WITHIN THE FIVE PERIOD AS PRESCRIBED BY FAIR CREDIT REPORTING ACT ( SECTION 611 ). THIS IS A CLEAR VIOLATION THAT SAID ACT.
trans union keeps saying i have address at XXXX XXXX XXXX XXXX XXXX az never been there or lived there
I signed up for a XXXX XXXX through Barclays back in early XXXX. I was told I was accepted, but I never got a card. I called I think on XX/XX/XXXX after I never received it and they said they would send another one. I never got that as of today which is XX/XX/18. I called twice today and without warning was cut off and sent to another department. I called a third time and asked for management which they would do until I threatened that I would get hold of the CFPB. I asked them what they had for my address and they wouldn't give it to me. I had given them my DOB and last four of my Social Security number. I was also told on my call back in XXXX that I still had to spend {$1000.00} by the time I was approved not whey I received my card. It has been two months since I applied and I had also flown XXXX again and I couldn't use the card which would have me about {$700.00} of the {$1000.00} I needed! I have never been treated so poorly by a financial firm ever!
I never had a contract with cavalry Portfolio Services and I do not owe XXXX XXXX
Care credit is ripping us off. Our minimum monthly payment is XXXX we pay XXXX-150.00 per month. The bill went up XXXX in interest and we haven't used the card in over a year. They refuse to work with us were struggling and when I asked if our balance would ever go down they replied you can pay it in full. So no matter what I'm paying it doesn't matter. I wish you will look into this. I don't think this is even legal.
A payday loan company got a judgement on me in XXXX in the amount of {$1300.00} which includes court fees and costs. I started paying them back on XXXX/XXXX/XXXX {$50.00} per month through a debt management company. When they were contacted in XXXX XXXX by the debt management company to set up a payment plan they automatically served me with court papers. I got the court date cancelled by filling out a financial statement and proof of needs based assistance. The debt collection company agreed to a temporary payment plan of {$50.00} per month for 5 months. I upped my payments to XXXX per month in XXXX XXXX like they asked. In XXXX XXXX i received another summons to appear in court. The debt management company called the collection company with me on a 3 way call they stated we were going to court again because I had not completely completed another financial disclosure form that they sent to the debt management company. The debt management company had no records of their request. The debt collector said if i complete the form completely that we wont have to go to court but i will still have to pay them court fees. I have been called at least once per week by the debt management company requesting my bank account information and employer information for the debt collector since XXXX XXXX. I have paid XXXX dollars on this debt over the past year and have XXXX left to pay. The debt management company tells me the collector is charging me interest at 12 %. This is a 6 year old debt. The reason for the court date on the papers i was served is for unpaid debt in the amount of XXXX. I only have XXXX left to pay plus they are now charging me interest. Is this legal? They have not agreed to a payment plan for whatever reason but are cashing my payments. I should not be responsible for added court fees again i am already paying them in the judgement of XXXX
I was charged a late fee for for a payment that was on time. The money was withdrawn from my bank account by the company on XX/XX/XXXX but they did not post the payment to my Barclaycard account until XX/XX/XXXX. This resulted in a late payment fee of {$25.00}. I contacted the company and informed them of the error, and I was told that it is their policy to hold the payment for one to two days for processing. Although they physically had my cash in their account, they did not process my payment until the next day. They have refused to reverse the fee.
Re Account # XXXX at BB & T Bank BB & T Bank has refused to close my deposit checking account and has charged service fees even after a written request to close the account was submitted. BB & T further will not allow me to withdraw funds from the account using bill pay, debit card, or check. 

On XX/XX/19, I sent a message to BB & T Bank via their secure online message center. The message stated " Hello. I'd like to close my BB & T deposit checking account : XXXX. Thank you, XXXX XXXX. XXXX. '' They have refused to close the account. 

On XX/XX/19, the account still hadn't been closed and I was assessed a {$12.00} " MAINTENANCE FEE. '' I followed up again asking that BB & T close the account and reverse the fee since I'd submitted a written request to close the account five days earlier. They refused to reverse the fee and again refused to close the account. 

I've since followed up multiple times asking that the account be closed and that the matter be escalated to a supervisor for resolution, but they have continued to refuse to resolve the matter.
On XX/XX/XXXX, a payment was made accidentally using the wrong XXXX XXXX Account - ending in XXXX in the amount of {$610.00}. This payment was subsequently returned as the account in question was the wrong account and did not have adequate funds. I was unaware of this error at the time. On XX/XX/XXXX another payment was made for the total amount of {$650.00} to include {$610.00} plus a late fee of {$35.00} within the 30 day period so it was not 30 days late using XXXX XXXX Account - ending in XXXX. On XX/XX/XXXX, another payment was made using XXXX XXXX Account - ending in XXXX, in the amount of {$600.00}. This payment should have gone through but for some reason appears to have been rejected by the bank and returned on XX/XX/XXXX. I tried to make the payment again on XX/XX/XXXX but this time split it into two separate payments in the amount of {$580.00} and {$100.00} and both payments were credited. I believe these payments should reflect not to be 30 days late as they are simply payments made from the same account - XXXX XXXX Account ending in XXXX - that ought to have processed but did not for reasons still unknown to me. On XX/XX/XXXX, I paid {$600.00} dollars and on XX/XX/XXXX, {$610.00}. I am asking that Capital One kindly remove the late payment reflected in XX/XX/XXXX as I paid it within 30 days and it was not processed for reasons unknown to me. I also was not aware of the returned payment from XX/XX/XXXX. I immediately paid the XX/XX/XXXX payment again the day after from the same account and this second time it processed correctly. When I discovered the XX/XX/XXXX payment was still outstanding, I made a catch up payment in XX/XX/XXXX in effect making the first payment on XX/XX/XXXX and the second on XX/XX/XXXX. I ask that you kindly take up this issue with Capital One as it is in the best interest of all parties and I am adhering to their rules and sincerely making all efforts to continue to be on time with my payments
XXXX XXXX 's student XXXX XXXX Washington XXXX XXXX College XXXX Instructor : XXXX XXXX Graduation completed Honor Roll G.P.A. XXXX XXXX No proof of deferment of Stafford loan through financial institutions Sallie Mae No proof of certification is available for transcripts of educational data or credits XXXX XXXX XXXX
SO I got hit with an inquiry from XXXX XXXX XXXX XXXX, and just like some others, I was given the run around. XXXX claims they don't own the account and that it's a known error with Credit Karma. Credit Karma tells you to contact the credit bureaus and then XXXX tells you to contact XXXX ... .thus an infinite circle of contact ___ ( one business ) __________ who will then tell you to contact _____ ( form a another buisness ) _________. 


it is just so odd because they try and say its a glitch but really no one will give me. direct answer.
The borrower was told he only qualified for FHA lending rather than conventional due to credit and DTI. In which the brokers or underwriter ignored a {$15000.00} XXXX XXXX payoff with substantial equity for payoff. Credit issues left unpaid. In addition to altering closing doc 's cash out terms after three day right of rescission.Then used Mers act to evade fiduciary lending standards according to Reg Z fair lending act in addition to XXXX Court mandate to payoff XXXX /XXXX XXXX  flawed programs as stated in XXXX Court finding XX/XX/2017 2017
I am writing to your company to please help me protect my rights under the " Fair Credit Reporting Act, 15 U.S.C. 1681 '' " FCRA '', " Fair Debt Collection Practices Act '' " FDCPA '', Fair and Accurate Credit Transactions Act or any & all other Acts that are enforced by the US Federal Trade Commission & or Consumer Financial Protection Bureau. 
I have written to inform both companies on XX/XX/2016 that XXXX XXXX XXXX , XXXX & SYNCB/SAMS CLUB are both reporting on the same debt for XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & Original Account Number XXXX Sam 's Club Personal Credit Synchrony Bank XXXX. XXXX XXXX XXXX, XXXX XXXX. I have been trying to work with XXXX XXXX XXXX , XXXX and now have found myself being stopped from working out any agreements with these companies do to a Attorneys Block on my account that have been put on my XXXX Account XXXX XXXX XXXX XXXX. I have spoken to XXXX XXXX XXXX on XX/XX/2016 a few times. 
I have been told that no one from this company can or will speak about this account do to attorney block being put on this account by XXXX XXXX XXXX. I have been told that the only way to be able to speak to anyone about this account is to send them a letter stating that I am/will not use attorney regarding this account. I have repeatedly told XXXX XXXX XXXX that I will not give up my right to have legal representation. I have repeatedly requested information in writing and have only received letters from this company asking for my attorney 's information or telling me that they have opened investigation. I have never received an answer regarding any of the question 's ask of them. 
I have asked for debt validation, Proof that this company owns said debt, Proof of actual debt amount, Please proved any legal documents of proof of debt that legally authorized this company to collect debt. 
I have given XXXX XXXX XXXX 30 days to hear back with answers to these question only to fine that XXXX XXXX XXXX has only put a attorney block on my account so that I may not resolve this contentious matter.
initial transfer was  XXXX   XXXX ,  2017  ... .sent  XXXX  +  XXXX  charge to   XXXX   XXXX   in   XXXX   ... to   XXXX   XXXX   ... at that end they say the money has not arrived ... I have called penfed credit union, sender of intial transfer at least  two  ealier times for reason ... .have yet to get a valid explanation why after 11 days account there has not been credited with funds ... called them today and still get runaround ... need cfpb assistance in having this corrected
I am the Payee Upon Death on my aunt 's account. I called Capital One Bank for the procedure to have funds disbursed. I was told to go into the branch to retrieve funds. I explained that I live in XXXX and was told that I had to send her original death certificate and a Letter of Instruction to the branch where the account was opened, which I was told was the branch located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I sent the requested documents via Priority Mail on XXXX/XXXX/XX/XX/2015 to that location. Since I was told that the funds should be disbursed about a week after the bank received the documents, I called the XXXX XXXX branch on XXXX/XXXX/XX/XX/2015 to verify if the documents were received, and when would the funds be disbursed. I was told that the XXXX XXXX branch was not the origination branch, and the origination branch was located at XXXX XXXX XXXX, XXXX, XXXX and that the XXXX XXXX branch had forwarded the documents to the XXXX branch. I asked when and was told that they just sent the documents, and did not make a record of when the documents were sent. I then called the XXXX branch to see if they had received the documents and was told they had not received the package. It appears that my original documents are nowhere to be found, and no one has a record of receiving my documents. I took me about XXXX weeks just to get the procedure, and now it is taking extra time to try to figure out what happened. What I am requesting is that the funds, which are mine, are disbursed to me. Thank you for your assistance.
I closed on a Mortgage in XXXX of 2015. 
I had questions/concerns about charges on the HUD1 but I was told that a particular charge was a CREDIT to me and NOT a charge. 

After closing I discovered that the closing agent lied to me and yes these were charges instead of a credit to me. I was overcharged and this also caused my mortgage payments to be higher and long term paying more interest on the loan. 
This will also be reported OCC and Dept. of Justice as this may be a common practice by this company. 

I was cheated and I suspect many other consumers were as well Please see the certified letter that I sent to the company WITH NO REPLY and in the phone call months before I sent the letter the same lie was told to me Please see a copy of the letter that I sent to Global American Title and a copy of the HUD1 Settlement Statement that was given to me.
I have been a customer with Avant for a number of years. I have had a total of 3 loans with Avant and never had an NSF fee. I have never had such horrible customer service. I moved a payment from the XX/XX/XXXX to the XX/XX/XXXX thru their online system. On XX/XX/XXXX a payment attempted to be withdrawn from my bank account. I have received a $ XXXXfee from my bank as well as a $ XXXXfee from you. I call XX/XX/XXXX and spoke with a customer service rep, a manager and a section manager. I simply requested for the $ XXXXfee to be removed. Their customer service representative said I could not, I spoke with a manager by the name of XXXX who said she could not waive the fee, then I spoke with a section manager by the name of XXXX who stated the same. While waiting to speak to the section manager XXXX came on the line and stated " I'm going to need you to stop judging me ''. As I did state they have provided horrible customer service. Now I did schedule the payment well ahead of time thru your online portal and I was told " oh you just scheduled an additional payment not move your current payment ''. I attempted to be responsible and do the right thing by Avant but was unsuccessful. This caused overdraft with my bank freezing my account which made a {$2000.00} deposit be denied on my account. Not one person from Avant called I only found out because my deposit was rejected.
Great day to whomever is reading this ... .. 
I am sorry I have to ask to be protected by law but it seems I have no choice, can you help? I would like to request the Laws to be enforced on my " Borrowers Right to Cancel '' and the Law Regulation X. this final rule implements Dodd-Frank Act sections addressing servicers ' obligations to correct errors asserted by mortgage loan borrowers ; to provide certain information requested by such borrowers ; and to provide 1 Public Law 111-203, 124 Stat. 1376 ( XX/XX/XXXX ). protections to such borrowers in connection with force-placed insurance. The lender manages my taxes, and insurance in escrow and it shows in the lenders escrow that they paid for the regular billed insurance and then forced placed others at the same time I had insurance, so I had insurance paid by lender when the forced placed insurance fraud and the refunds were never refunded in my escrow. I have all org. copies of evidence to show that the mortgage added XXXX from XX/XX/XXXX to XX/XX/XXXX and I paid for XX/XX/XXXX insurance that the mortgage is charging me on their paper work the lender is suing me and will not show clear and understandable cost and refunds of the forced placed insurance from total breakdown of cost. Plus the evidence the lender is using was the cancellation of that contract and the lender is with holding evidence from the fax cover sheet that had the cancellation on it. The evidence is easy to get from a third party called XXXX and the info on the issue was faxed on XX/XX/XXXX and the fax cover shows the cancellation and the mod. agreement attached just as the law states. So my request is to have these laws enforced before trail. I am sorry I have to ask for this request but I you can see I had no choice. Just asking for XXXX things from the lender, show in writing that anyone can understand on dates, policy numbers, and cost, and the total paper work on how the lender got possession of the XX/XX/XXXX mod agreement meaning the fax cover sheet with withheld evidence. Thank you so much XXXX XXXX
There is a late payment reporting on my mortgage loan Nationstar Mortgage. That late is the one that was n't my fault. I gave them my account info for that months payment and an auto set up for the next month. They got it right for the auto payment for the next month but somehow did n't get it right for that month. But it was on their end not mine. I did address and it was to be corrected and the remark still has not
A Dispute on:XXXX, and:XXXX, XXXX XXXX, JPMorgan Chase Bank needs to explain to : The United States Of Justice Department , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX of a XXXX issues, From a Federal Judge in XXXX GA, for : XXXX XXXX XXXX ( XXXX XXXX ) XXXX the Time:XXXX, and the first deposit was issued @ XXXX Indiana, XXXX Branch.My Case Number is:XXXX , Filed Under Seal : COMPLAINT FOR PERMANENT INJUNCTION AND OTHER EQUITABLE RELIEF, JUDGE XXXX ( FEDERAL TRADE COMMISSION )
The issue revolves around the dispute of 3 charges of {$15.00} totaling {$45.00}. I have purchased three {$100.00} cards on XXXX ( XXXX ) which were fine. However the 3 x {$15.00} XXXX gift codes that came with the card were invalid. XXXX refused to address the issue blaming XXXX digital for it. 
Subsequently I disputed the purchase with Wells Fargo ( Acct # XXXX XXXX XXXX XXXX ) and I received the note that the dispute was resolved in my favor and {$15.00} instead of {$45.00} has been credited. When I called the CSR line that later transferred me over to dispute line, the issue was not resolved. The dispute person blamed the issue on " the system '' while attempting to re-open the case once more with details over the transaction. I have provided a very detailed account of the dispute including purchase details and I was astounded to hear that the dispute has not been addressed. Subsequently I was transferred to WF 's executive customer service line where I was mocked as the person on the other line, XXXX XXXX claimed she could n't hear me very well. I have made numerous calls that day and my phone line was completely fine as I could hear both CSRs and dispute dept person very well. 

The issues worth asking : 1 ) How many times does it take for WF to get a dispute such as this right? 
2 ) What is an appropriate amount of time WF feels its consumer can be put on hold? 
3 ) Where is the accountability to make sure that the dispute process is dealt with in honest and transparent manner and not in bad faith and deceptively? 

Resolution : {$45.00} credited to my account.
I was shocked when I reviewed my credit report and spotted a late payment on the following date : 30 days late in XX/XX/2016 I am not sure how this happened I believe I made my payments to you when I get my statements. My only thought is that I did not get the statement that month.
Navient loans contacted my boyfriend 's parents about my loans. Neither my boyfriend or his parents have any association with these loans an d Navient would  have had to illegally obtain information to even get their contact information. The only person associated with the account is me.
I realize that, Perfection Collection LLC from  XXXX  Utah, put information regarding a   XXXX   XXXX   account for  XXXX  $ to the Credit Bureau without contacting or notify me. I call and  XXXX   XXXX   XXXX  offer me a settlement for half of the balance, I say no because they is unable to validate the debt and beside of that is not licensed to collect in my State.   I`m sending certified letter today after couple of conversation with  XXXX   XXXX .
I 've experienced several unsuccessful attempts to have some inquiries removed from my Equifax credit report as they are reporting inaccurately. I have spoken with countless agents who 've given me the run around about having this incorrectly reporting information removed from my credit report. Due to these items being reported inaccurately I am having trouble acquiring things that I actually have knowledge of. I was told on more than one occasion that these items would be removed and that my credit report would be updated in 24 hours with the inquiries removed yet that has n't happened. On today XX/XX/XXXX these incorrect items are still being reported inaccurately and I would like to have them removed as I was told they would be. 
They are as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove these items ASAP as they are hurting my credit image and damaging my credit worthiness with potential creditors. Thanks in advance!
I have sent in multiples disputes on  XXXX  accounts that I have no contract or knowledge of but  XXXX  will not delete the accounts. They have sent me a letter saying they will not re-investigate complaint. This is really hurting my credit and family chances of becoming a homeowner. I contacted an attorney whom told me this should be my first step to solving my problems.
It all started sometime back in XXXX when I was a loyal and good customer of Comerica Bank. I had my bank accounts there including my checking account that this complaint is in reference to. I had deposited an envelope with cash into the ATM machine one day. Long after the envelope was deposited I was notified that the envelope had insufficient funds inside, although until this day I was not able to track where the cash went if it was not in the envelope. Before I was able to return back to XXXX XXXX to resolve the issue, Comerica closed my bank account and reported me to both ChexSystems and Early Warning. I have resolved the issue with Comerica and paid them the amount I owed them. The issue was not clear to me as the representatives were not very helpful at first when I tried resolving it sooner. However, if the envelope was insufficient of funds, it was an honest mistake and was not something I had intended in any way. These two reporting agencies ( XXXX & XXXX XXXX ) still have me actively in their system 5 years later. This has prevented me from opening any bank accounts even until today. I am still unable to open an account which has clearly affected my life drastically. I am a US citizen who was born in XXXX XXXX, CA, USA who has worked very hard, who is very honest, and who was once a very young and successful man before this incident/reporting. Since Comerica has reported me without giving me proper notice and has still actively reported me to the agencies even after I have paid them off, my way of life has taken a turn for the worst. The inability to open any bank accounts and the reporting by Comerica has led me to close all of my businesses, lose all of my business partners and investors trust and relationships, and has recently finally led to relying on the governments assistance to survive. I am now on XXXX and I have lost all of my credibility in my community. This is all due to the false reporting and unethical and immoral practice by Comerica Bank!