WillisBack/dataset-financial-user-claim huggingface dataset:
I first sent the inquiry removal letter to each credit bureau and called. I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. When I reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission they just keep telling what a inquiry is. Please remove the inquiries on my XXXX report and Experian report.
I have an account with a collection agency named SW credit systems that was placed on XX/XX/2018. Account # XXXX. This account is apparently a satellite dish service that does not belong to me. The original creditor lists as XXXX. I have never had satelite services.The account is showing a balance of {$720.00}. I have disputed this twice now. The only response I have ever received is a bill. I have asked for original documents that I would have signed or a copy of my identification. The only thing I have ever received back was a bill and them stating the account has been verified. If there is anything you can do to assist me in the matter I would greatly appreciate it.
I do not mean to be disrespectful to anyone nor avoid anyone but this Bank called again looking for XXXX. My dead dad is XXXX. I 'm XXXX and I have no dealings with this bank and since I receive numerous phishing scams etc. the gov themselves states do not give out any information via phone. I am upset as I continue to be called. You were advised on an earlier complaint and per their own words that upon notification they removed me from their list and I would not be called- Evidently opinion by experience this is par for collections or scammers. -I received a call on XXXX/XXXX/XXXX at XXXX XXXX  Tuesday XXXX XXXX XXXX XXXX XXXX It upsets me they continue. I do believe they can not call anyone but the debtor spouse or lawyer. I hope they refrain from continuing this action since evidently they did not respond truthfully to you on the first complaint!.
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX, IA XXXX XX/XX/XXXX Re : XXXX XXXX XXXX Credit Student Loan Account Number XXXX Dear Consumer Financial Protection Bureau, I am contacting you to seek your assistance with an erroneous 90-day account delinquency that was reported by the referenced creditor to the three major credit reporting agencies in XX/XX/XXXX. As of XX/XX/XXXX, my student loan account was placed on deferment. On XX/XX/XXXX, I suffered a horrific accident when a winter storm packing high winds caused a mature white pine tree to fall, and it landed on me. I was in the XXXX for eight days undergoing XXXX. I was released to a XXXX XXXX  and was subject to XXXX and aXXXX XXXX XXXX   and XXXX through XX/XX/XXXX, a period of eight months. I was on XXXX   and unable to take care of myself requiring help with my basic needs, such as feeding, bathing, clothing, etc. I did not receive correspondence warning me that the loan was approaching the end of the deferment period, nor do I have record of the lender making direct contact with me until 2.5 months after the deferment had expired. Once contact was made, the deferment was extended but the lender did not retro date the deferment leaving the derogatory information as initially reported. I feel that I have been treated unfairly, and I have been discriminated against because of my health condition. 

I am requesting deletion of the erroneous credit reporting, and an address update. My address is XXXX XXXX XXXX, XXXX, AZ XXXX. 

Please let me know if you have any questions regarding this matter. 

Thank you kindly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
On XXXX XXXX XXXX I was riding as a passenger in a vehicle in XXXX, Alabama while being struck by another vehicle on the driver side. The vehicle in question that hit us stated that the accident was his fault. At the seen of the accident was a police officer that witness the event. The driver and myself was instructed to go to the hospital to make sure we did not have any severe injuries. I went to XXXX XXXX XXXX XXXX emergency room that evening. I was treated by a nurse that took XXXX, beforehand I was ask what happened. I explained about the car accident and ask if they needed my insurance card and she said no we have you on file. I found out that I had a XXXX XXXX and they wrote me several prescriptions. I then questioned the nurse that my insurance carrier is XXXX/XXXX are you sure about my insurance..Do you need it? She stated that it was on file. About a month in half later I received a collection bill through Pasi ( Professional Account Services, Inc ). XXXX XXXX XXXX, XXXX, MI XXXX for a bill totaling {$8800.00}. I contacted my attorney and he sent them a letter instructing them to bill my XXXX/XXXX of Alabama. Since that time, my wife and I have been in the process of refinancing our mortgage but needless to say, Pasi have put a Lien on our home. I contacted Pasi and they stated that they are trying to fix this issue by now filing XXXX/XXXX. We are a few days away from trying to close although our lender ca n't do anything until this Lien is lifted.
I have a Chase XXXX XXXX 's rewards charge card. Is it legal for a charge card company to accru interest on charges made starting the day the charges are made on the account w/o even giving the consumer the opportunity to pay the balance in full by the due date? See below. I had a revolving balance of XXXX carried over to the next month billing cycle, and Chase, XXXX charge card not only charged me interest on that amount, but also on any charge made on the account before ever getting the opportunity to pay for those by the due date. It was {$50.00} on a balance of {$150.00} carried over from previous month. That seems very un-fair given that I never had the opportunity to pay on any of the new charges prior to the due date. Is that even legal? 



, '' upon review, I see that the statement balance on your XX/XX/2018 billing statement was {$420.00} and the payment was due on XX/XX/2018. We received a payment of {$200.00} on XX/XX/2018 and a credit from XXXX for {$69.00} on XX/XX/2018. Since the full payment of {$420.00} was not received by the due date of XX/XX/2018 and interest charge on {$50.00} was charged on XX/XX/2018 which is the closing date for your statement. 

To calculate your balance subject to the interest rate, we start with any balance carried over from the previous day and add new charges or fees then subtract new payments or credits. This gives us the daily balance for one day.

Next, we add together the daily balances for all days in the billing period and divide this total by the number of days in the period. This gives the balance subject to the interest rate for the billing period. 

We appreciate your business and thank you for being a Chase customer. 

Thank you, XXXX XXXX XXXX XXXX XXXX ''
I really hope you can help me. Experian and XXXX reporting an account that is past the statue of limitations. It's over 7 years and should no longer be reporting. I really need your help. There is an account with XXXX XXXX XXXX that it appears is some time of debt buying company. I have disputed it several times and XXXX said to contact XXXX and XXXX will not send documentation showing the account information. I really need your company 's help.
What Compliant? 
CoreLogic RunDate XX/XX/XXXX What type of Problem? 
XXXX XXXX Test Account XXXX, VA XXXX What Happened? 
Fraud Court Record Judgement on File* ( XXXX ) XXXX File Date is ( XXXX ) or more Years Old without Removal* XXXX What Company? 
CoreLogic_XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Who is Involved? 
CoreLogic XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Denotes Identity Theft in the Collecting and Selling of Information for the use in Credit Determination as well as ' Unfair or Deceptive Business Practices.
XXXX American Express Card # s ending in XXXX and XXXX have been reporting on my file as Charged Off. I have XXXX. Court of XXXX county court in GA 's judgment where it clearly shows, I, XXXX XXXX, is not party to these cards. They are company cards and company settled the cards with Amex in official court settlement. I have sent XXXX County Court Order and Settlement Agreements of Company with Amex to all 3 agencies, namely XXXX, XXXX and XXXX but they fail to delete these cards stating that one on settlement is not reporting however the account ending in XXXX is in fact ending in XXXX and Amex is reporting it improperly or credit agency do not care. This is my 10th or 11th time disputing this as its clearly effecting my credit history and my ability to survive financially. Upon various requests in writing, credit agency failed to even explain how they are verifying this info. Other than these XXXX derogatory information, my credit report has been spotless.
GMAC continues to report my account closed status dating XXXX for both mortgage and home equity line. I have disputed this in the past since both of these accounts closed XXXX. I have won the past disputes. I have documents and letters stating the true close dates of XXXX.
I began to refinance with my current mortgage co and during the process our mortgage was bought by LoanCare. I paid the first payment to them when due and since the refi co was waiting for payoff letter I contacted LoanCare and they said they did n't have the payment yet and therefore could n't get an accurate payoff. My bank verified they sent payment and after being told by customer service at LoanCare that I should pay another way so I am not late, I did so over the phone with them and put a stop payment on the bank check. I stated to Loancare that I did a stop payment and to please note the acct as such. 2 days later I received a receipt stating they got the check and applied the funds. I called and told them that was not supposed to be an they said to not worry since the money would end up not being applied after the fact since I paid XX/XX/XXXX due. Well Loancare sent the payoff with the extra funds in the amount without anyone knowing this and we went to closing and finalized everything with funds being funded from mortgage co to Loancare XX/XX/XXXX. Loancare stated that I owe XX/XX/XXXX funds as well as the FHA regulator interest for XX/XX/XXXX now, {$880.00} on top of the mortgage! I stated that the funds went through XX/XX/XXXX and they said it was after XXXX therefore they had to add on the other money due to holiday and not processing until XX/XX/XXXX!!! Every call into customer service was terrible and left me in tears. They were beyond rude and completely arrogant in their responses. The timing from start to finish on how they handle money is beyond unacceptable and I cant imagine if they were my mortgage company for good! Considering they lost a check for 2 weeks, then applied is after I paid over the phone and then took the payoff amount 5 days to process that in turn leaving us to owe money that we do n't have! Terrible and sad that this is okay in the work of money, as well as the customer service dept being beyond terrible and barley able to understand what half of them are saying. SAD!
The Defendant has engaged XXXX XXXX XXXX to collect alleged debts against me. They declared a fraudulent venue of XXXX County as the place to bring the case when I did not reside in that County. They then allowed phony affidavits of service to be filed knowing that no such people resided at the addresses in question. They site an " XXXX XXXX '' that does not exist as receiving the service. They then cite a neighbor " XXXX XXXX '' as substantiating the information. None of this is true and it was all designed to file default judgments without any opportunity to defend the underlying action.
I was notified on XX/XX/2018 from XXXX XXXX and my XXXX XXXX account through XXXX XXXX regarding a hard inquiry reported on my XXXX  credit report without my knowledge. I knew this was identity theft as I recently found out about another hard inquiry a few days prior with an account being opened without my consent/knowledge through another company. I am currently dealing with that case and have registered with the FTC as a victim of identity theft as well as submitted an FTC fraud report. In addition, I had also notified the 3 credit reporting agencies of my initial unauthorized hard inquiry from another company and on XX/XX/2018 placed a fraud alert for 90 days on my credit reports. I contacted XXXX  credit reporting agency immediately on XX/XX/2018 who advised me to contact Synchrony Bank with whom the credit inquiry was made to dispute the matter regarding removal. I spoke with the supervisor from customer service at Synchrony Bank who could not assist me further as they state they would need more details about the account otherwise there is no way they could trace the transaction that took place as they are lenders for revolving store credit accounts of numerous companies. I explained to them the only information reported on the credit report was SYNC-National Credit Cards/Airlines ( see section of report ). It was also told to me that most likely it is showing up like this because the initial application for a line of credit was denied therefore Synchrony Bank does not receive record of these transactions and thus they can not be tracked. I was again advised to contact my credit reporting agency to dispute the matter. Unfortunately, the credit reporting agency states it must be dealt with company and they would need a letter from them directing them to remove the unauthorized/fraudulent hard inquiries on my credit report.
I file a complaint id # XXXX with TransUnion. On XXXX/XXXX/XXXX, TransUnion responded, however, they did not provide who they verified this information about two bankruptcies ( Case # XXXX and Case # XXXX ) showing on my credit report. I spoke with the US Bankruptcy Courts and they stated they DO NOT provide or verify any information. Please see the attached letter I received from them. I spoke with XXXX and they stated they DO NOT provide or verify any information. Please see the attached email I received from them. On XXXX/XXXX/XXXX, I sent TransUnion a certified letter which on XXXX. TransUnion provided me the attached response dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I sent TransUnion the attached letter and they sent me the attached response dated XXXX/XXXX/XXXX. TransUnion is not letting me know who they verified this information with AND per the letter I received from the US Bankruptcy Courts and XXXX they DO NOT verify or provide any information
Over Billing and Extracting False and Excessive Fees, Breach in Billing Practices : XX/XX/XXXX Return of Check Fee {$22.00} XX/XX/XXXX Return of Check Fee {$22.00} XX/XX/XXXX Return of Check Fee {$22.00} I NEVER made payments with a CHECK only online. The system kept refusing to allow auto payments even though the payment showed as accepted then days later the payment was refused and my account was charged {$22.00} Return of check when the payment was an online payment. There was no explanation for the payment to not go through because my bank account had more than enough money in it to pay the payment.

I have ALWAYS made my payments AHEAD of due date and paid " 3 '' times the minimum amount due!

Bank Statement XX/XX/XXXX - XX/XX/XXXX Charged {$250.00} for purchases that weren't purchases they were payments!

I called and spoke to 3 customer service representatives one of which was a manager and they all stated it is Citibank 's policy to charge a fee for setting of auto payments. I emailed the CEO XXXX XXXX in the month of XX/XX/XXXX and neither he nor any of his staff Ever responded.

.
XX/XX/XXXX _ I received and invitation from Bank OF America to consolidate my loans- called the gold option line of credit acct. number - XXXX. The agreement was a XXXX personal loan at 3 % interest. The term was for a 96 month repayment of this loan stating that each time I access the loan the schedule will restart- I immediately paid off my other credit cards within the month of XX/XX/XXXX- I  never attempted to access these funds again for the past 10 years. When I called to ask why I was still paying and my loan was not resolved in XXXX I was told that Bank Of America changed my interest rate in XXXX and notified me in my bill of the change, here is where the fraud begins. 

1. I never agreed to and interest rate change per our original agreement.
2. I did not violate any of the rules set forth in our agreement to initiate a change. 
When I called bank of america about this issue I was told Bank Of America reserve the right to change my rate at any time without my consent, This seems to be very fraudulent since this was not part of our original agreement. 
To date they have failed to produce my original agreement but they were able to access a similar document. See attached. 

I continue to receive calls for and outstanding balance of XXXX in addition I was told that my rat had changed to 18 % Yet my payment received due remained the same. 

I have asked Bank Of TO RESOLVE THE DEBT IMMEDIATELY I HAVE PAID THE FOR 10 YEARS XXXX PAYMENT OR {$83000.00} I continue to be harassed by their collection agency, last years ehis resulted in a XX/XX/XXXX where I was admitted to XXXX XXXX XXXX spending 3 days in the hospital due to stress. my Hospital bills were in excess of {$23000.00}. 

If bank of America can not fix this problem I will be forced to seek legal advise for pain and suffering, and a class action law suite XXXX 

Sincerely XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Veteran
We are selling the property and Ditech is not releasing a payoff to title company which has affected our closing dates. They are not assisting me by phone.
XX/XX/XXXX - signed up for pay over time ( SCAM ) Nothing was sent to us regarding the terms and conditions XX/XX/XXXX we got a bill for {$1800.00} I requested to speak to XXXX XXXX from day one to explain the pay over time feature.

Spoke to many representatives that gave our misleading information.

XX/XX/XXXX still no resolution, they prolonged the account to go past 60 days due.

They stopped all terms of communication and no resolution reached.
On the US Bank mobile app, I selected the due date of Sunday, XX/XX/XXXX, as the payment date. The funds were withdrawn from my credit union bank account Mon, XX/XX/XXXX. US Bank charged me a {$45.00} late fee for the {$45.00} payment. It is nonsensical to me that US Bank 's app would allow me to select a payment date for an online payment where they know banks will not process payment.
Hello, I opened a Citi Gold Checking account XX/XX/2015 per the terms of the XXXX XXXX XXXX Advantage miles promotion. Promotion code : XXXX I have yet to received the miles posted to my account and it is well past the deadline. Citi bank is being unresponsive. 


In XX/XX/XXXX, I had completed the requirements of the promotion. In XX/XX/XXXX, after not receiving my miles, I reached out to Citibank via phone to see why I had n't received my points. They confirmed that I had met all of the requirements of the promotion and should receive my miles within 30 days. 

In XX/XX/XXXX, I had not received my points so I called again and they said that I needed to complete a XXXX in order to receive the miles. They mailed me one and I immediately filled it out and returned. 

In XX/XX/XXXX, I still had not received my points so I call again and requested to speak with a supervisor. The supervisor confirmed that I had completed the requirements of the promotion but that they needed my XXXX XXXX Advantage #. I provided the number and they stated that I would receive the miles within 30 days. I still have not received my miles. 

I feel that I have been scammed by Citi because I completed all of the necessary requirement and had that confirmed by multiple people at Citi, yet they have not followed through on their end of the deal. I have spent several hours on the phone and on secure messager over this issue. I am simply requesting that Citi deposit the promised XXXX XXXX XXXX miles into my account. 

Thank you,
Loan date was extended without authorization or explanation. Amount required to satisfy loan has been paid according to contract originally signed. A loan was originally acquired with Spotloan on XXXX XXXX, 2015 for {$400.00}. Total amount to be paid is {$1000.00}. A payment was returned on XXXX XXXX, 2015 for insufficient payment. I received an email noting that {$10.00} would be added to my loan amount. This would bring the total to {$1000.00}. There were several emails with a " XXXX '' as to what I would need to do to bring my account current. I asked if I needed to make a double payment to make up for the situation. It was never explained that an extra charge of {$170.00} in interest would be applied. My contract states that my loan termination date was to be XXXX XXXX, 2015. An additional payment of {$58.00} was drafted from my checking account on XXXX XXXX, 2015 and my account still shows a balance of {$110.00}. They have been intentionally deceitful about their business practices and have been placed on a dispute list for XXXX XXXX account.
Cavalry Portfolio Services LLC refuse to provide demanded verifications of the claimed alleged debt by providing copies of signed contract or credit application in direct violation of federal laws, continues and nonstop harassment, unlawfully without verification reported collection account on all tree credit bureau. 

Reference No : XXXX Reference No : XXXX
I made a deposit to Coinbase wanting to exchange USD to buy Litecoins ( LTC ) using my XXXX credit card {$50.00} which is issued by XXXX XXXX XXXX XXXX XXXX XXXX. I later transferred {$500.00} from XXXX to Coinbase. Both were lengthy processes taking over a week or two because to set up ACH transfer you need to respond back and forth with a security code and set up amounts to prove and security the accounts back in XX/XX/XXXX. I did this verification and finally in XX/XX/XXXX I observed the transaction on my Coinbase account as XX/XX/XXXX & XX/XX/XXXX, and from electronic statements from XXXX. My problem is Coinbase double billed both amounts, the {$50.00}, {$500.00}, and a {$10.00} fee. I called XXXX about this and they said it was all requested from Coinbase. I call Coinbase and they say it was a glitch on XXXX / XXXX end. There's a ton of complaints on the internet about Coinbase double billing clients. I call Coinbase XXXX and corresponded with Coinbase via XXXX. Wrote them : Coinbase, Inc., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. They say they have it as top priority to refund my money, but it doesn't happen. I have made multiple attempts, even provided copies of my XXXX statements. Nothing happens. They say it takes time because they can't correct quickly because of security and all transactions must be slowly & carefully handled. This is nearly 3 months. I will try to attach images of my XXXX  statements. When you contact Coinbase they will ask you for my full name : and email address. Their transaction account information is on the XXXX statements. They have a file under my account about this matter, because I request, and they acknowledge each time I talk to them on the phone. Actually they say you are only supposed to use the phone only if your account has been hacked or breached and use the Coinbase email support on all other matters, but they never reply, just a robot acknowledgement. Thank you for helping me. I got your contact information by reviewing Coinbase complaints on the internet. Sincerely, XXXX XXXX