WillisBack/dataset-financial-user-claim huggingface dataset:
I have a student loan that has been in default for some time. Both GC Services Limited Partnership and the US Department of Education indicate to go to the XXXX website for up to date information on the balance and status of a student loan. On XX/XX/18, I went to the website, got the exact balance, and paid it off. I then contacted both the Department of Education and GC Services Limited to express that I had made the full payment, in the amount shown on the website of {$3800.00}. In discussion with the Department of Education and GC Services Limited, at no time was there any indication of further debt being owed, over and above what was on the website, and I was informed I should show a {$0.00} balance on my account within 3 - 5 days, per the Department of Education, and that it would take a few days longer for it to reflect the same with GC Services Limited. This morning, I went to the XXXX website to find that I did not have a {$0.00} balance, but a balance of over {$700.00} dollars showing. I made contact today, XX/XX/18, with the dispute resolution group at the Department of Education to express my concern, my disapproval, and my feeling of being both the victim of a bait and switch and defrauded, as there was ample opportunity for the website to have been made accurate prior to my payment, and, during the discussions with both groups after payment was made, to tell me if there was an issue. The individual at the Department of Education informed me her system shows over a {$900.00} balance still remaining due. To that end, the Department of Education is sending me a dispute form via snail mail, which will take 7 - 10 days to arrive, that I must then fill out and mail in to another address for processing, however, that will not stop interest from accruing. In my conversation today with the Department of Education I have laid out the requirement that the fees all be waived due to this being a misrepresentation on the website, which is clearly not something I maintain, making this a true bait and switch by this organization, especially since the Department of Education is also being given different, false, fraudulent information by the organization they've chosen to hire.
I wrote Transunion,  XXXX , and  XXXX  in  XXXX  asking for help. They have not answered me. I filed a complaint and put down a friend I know who does free advocacy work for people needing help with credit. The response was  the 3rd  party is not authorized.   Whatever. I am resubmitting this myself, no help from anyone. I do not understand why they just are refusing to help me. I know if they truly look at my issues they will find errors. I am having the same issue with the other  XXXX  credit bureaus. That 's collusion against me.   Is n't this illegal? Is not all of this illegal???   Please help.
I have XXXX inquiries dated XXXX XXXX, 2017 from XXXX XXXX Bank. I did not authorize this or sign anything to have my credit pulled.
Received attached letter, dated XXXX XXXX 2015, from Citibank. 

XXXX XXXX stated in the XXXX paragraph of her letter, dated XXXX XXXX 2015, that " Because payments to government agencies are commonly made by check ( e.g. for payment of taxes ), we recommend that you schedule your payments with this in mind as Citibank is not responsible for any fees you may incur as a result of late delivery of a check through the postal system. " This statement implies that Citibank can make a check payment to the IRS. 

However, this is INCORRECT. 

I tried to set up the IRS for a check payment using Citibank 's BillPay, but was unable to do so. See Payee Details attachment. 

XXXX XXXX further states in the XXXX paragraph of her letter, dated XXXX XXXX 2015, that Citibank found no record of receiving my letter requesting a copy of the user agreement. I sent this letter using a Citibank postage paid envelope addressed to Citibank Client Services, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Please explain why this letter was never received. 

Thank you very much for your assistance
Synchrony 's Walmart credit card overcharged me. Paid {$150.00} on XX/XX/2019, but then charged XX/XX/2019 as well. Loss {$310.00} on XX/XX/2019 through my XXXX 's XXXX XXXX account and had to take out of my savings to pay rent, putting me at financial risk. The company would not respond to my call and said customer service was down around XXXX.
I dispute items on my credit report with Transunion. 
1. Collection accounts - which i never got letter for example- XXXXXXXX - {$840.00} Never been to XXXXt, always had medical insurance 2. Late payments- XXXX ( Never prove the late payments, the loan was in deferment ) list five late payments -- I dispute the company 3. Bankruptcy according to the credit bureau- court told them, the law does not allow them to give that information out 4. inquiry
Hi my name is XXXX XXXX and I had my mortgage account with ditech. I payed my mortgage from XXXX XXXX XXXX for 10 years, with 0 payments missing or late. But when I transfer the payment from XXXX XXXX XXXX to Amplified my mortgage company Ditech received payment from Amplified and tried to collect from XXXX XXXX XXXX, when the account was closed and they were notified. 
They are claiming that I 'm missing a payment and I have all bank notices showing payment to the account. I sold the house and paid off the account ( XXXX ). They will not release the title and now want to start foreclose steps. I have tried for months to correct this issue and they are not willing to correct the issue. They are constantly harassing me with calls from several agents daily once i explained the issue they are dismissing and refuse to help correct the issue. Now a XXXX dispute has turned in to XXXX with late charges and they are refusing to release the title to the house when I have provided the document showing all payment have been made to this account XXXX. I need a response immediately to address this issue. Please call me ASAP at XXXX
I can not log into my account as there is a link that forces you to accept consent that will not allow you to enter a class action against the company. I will send in a rejection letter but i want this removed so I can service the account.
RSI Enterprises has not reported a payment I made in XXXX of 2014 to the credit agencies and this has affected my credit rating.
I am trying to resolve a issue with Mr Cooper AKA Nationstar Mortage I have a balloon payment due at the end of my loan I have tried to transfer the funds to pay this off on 3 occasions and the payment has not been accepted. They are treating to foreclose on the home but I have tried to get them the funds. 

I am hiring a lawyer to help me with this process.
A loan ( line of credit ) was received from Nations Trust Mortgage Company XX/XX/XXXX in the amount of {$73000.00} as a refinance for a home. XX/XX/XXXX, the home was sold and Nations Trust Mortgage Company was paid off. However, we were charged a early termination fee of {$3600.00} that was not in the original agreement. I believe we were charged a fee that we should not have paid.
I have an issue with BB & T bank with both my husband and I being charged 2 times for a {$35.00} overdraft fee. One on his checking account number and one on mine. On XX/XX/XXXX i transferred {$20.00} from my husbands account to mine. Before I made the transfer, I logged into our account to make sure that the funds were there and they were. A few hours later, I logged in again to see that we had these overdraft fees. When I called a few min later, there was an attomated message saying they were doing maintenance on their systems and both phone and website were not updated correctly. A few hours later, my husbands check was direct deposited into his account. I quickly transferred {$80.00} and called to dispute! The representative said she would put in a request for refund and she said she did see a problem. The representative also made me aware that I had a protection coverage on my account and previously, I was being charged. I was unaware of this and she stated it should 've never been in place. After calling around for several hours on the XX/XX/XXXX, I was hung up on twice and denied! I was told from a women in research department that she will keep dening my request and was unable to help. I had a manager tell me that there is nothing he could help with and feel free to seek legal advice. Another research rep told me not to go by phone or website and it 's my responsibility to to track my spending. I have worked in customer service in the past and have never not found a solution or talk to a customer this way. I honestly feel that something not right is going on here and getting different stories from different people.
I have attempted to submit a dispute on XXXX site, when I enter my information it tells me that my information entered is incorrect and forwards me to an open webpage. I have free formed my dispute twice and received not response or resolution.
Allied Collection Services received a certified letter in the mail asking for validation of debt. In response Allied Collection Services sent a statement without validating or providing enough information for myself to validate and verify the information. I have no idea what this bill is for, I do n't recognize this bill, I do n't have enough information provided. Per HIPAA I have the right to the breakdown of fees including any collection cost and medical charges. I am supposed to be provided with a copy of my signature with the provider of services that is allowing them to release medical information to Allied. I have not received anything outside of the attached statement.
On XX/XX/17 at XXXX I attempted to make a cash deposit into Bank of America ATM in XXXX XXXX, IL. ATM stated it was not accepting cash deposits at this time. I attempted to use the drive through service but they refused to help since it was XXXX and they were closed. The teller at the XXXX XXXX, IL location told me that any fees incurred on my account due to the ATM equipment issue will be refunded and to call Bank of America to report the issue. I called Bank of America the next morning and explained the issue to XXXX XXXX ID# XXXX who informed me that it is not Bank of America's problem if their equipment isn't working and that the $XXXX in overdraft fees as a direct result of Bank of America's refusal to accept a deposit through their ATM would not be refunded.
There have been several hard inquiries on my tranunion report. I contacted them to have them removed but they haven't.. I have frauds alert on my credit report so no inquiries should have been made without contesting me first. 2 times cycle nation has pulled my report.. one tone for XXXX XXXX XXXX. And one XXXX XXXX.
Hi yes my name is XXXX XXXX and On XX/XX/2017 at Chase bank XXXX XXXX XXXX XXXX XXXX, Ohio XXXX my bank information was changed to another address by Banker XXXX XXXX without my concent and therefore my bank statement which includes where I work and average monthly paychecks was sent to that new address an address by which was set up in there bank with my ssn and she gladly accepted it without verification. When talking with the bank manager XXXX XXXX the GM and XXXX XXXX the market director both were more concerned about protecting thier employee instead of their client. I Already filed a police report against the banker and the person who had my info forwarded to their address, and yet the bank thinks it perfectly ok to represent the public in such an illegal behavior, without verifying ID 's. XXXX XXXX said on XX/XX/2017 we always check ID 's to before we change an address. I can tell you now NO THEY DO NOT, otherwise the police would have be called from the getgo so I go around in circles with this bank as they fail to uphold the law which gave the bank authority to hold the publics money. They would n't even provide the federal agency that oversees any wrong doing only they would provide the headquarters number. I demand here that someone be held accountable, also I had a password set up and they even failed to ask the attempted Identify thief the security question. Should I get the FBI Involved?
Over a year ago, XXXX, I received an email from a police officer in XXXX saying that XXXX ( a XXXX company ) was pressing criminal charges against me alleging fraud over a {$600.00} transaction. I attended the court date, and neither the officer who filed the complaint nor a representative from XXXX payments was there. The judge informed me that I would be notified of a second court date appearance where the case would be settled, however I was never contacted again regarding this matter from the court or the company, and I assumed it had been thrown out by the judge. 

Today I come to find my credit score is lower than it usually is and see that there is a collection claim out against me from XXXX through Allied Collection Service , Inc. of XXXX for the same disputed amount that I had previously attempted to settle in court. 

So, 2 years now after the disputed transaction has occurred I 've had criminal charges and a civil suit taken out against me. Is n't this barred by the Constitution ( 5th Amendment )? Also, if XXXX would have just sent me a bill in the mail as soon as they realized they were not paid for the disputed transaction, I would have gladly paid it and had this done with. 

At no time have I even been able to defend myself to the company or in the court. And now, over a year later, they are targeting me through a collection agency. 

This just does n't seem right, especially since I have received no emails, letters, or phone calls regarding this matter besides the one notice that said I had to appear in court, which I did.
In XXXX of 2018 I applied for the XXXX  card with Capital One Bank, they approved my card but told me that my credit score was XXXX, I checked my credit report at XXXX as they suggested and it shows my credit score is XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. Capital One Bank told me that my APR would be 23.99 % because of the XXXX credit score they made up instead of 13 they advertised for people with excellent credit score. I believe that Capital One lied about my credit score just to give me a higher rate on my credit card. I called them to try to resolve this issue after I received my actual credit report but they said that they were not able to lower my rate. After I told them that I would like to close my account they told me that I would never be able to open an account with them again. All of their customer service reps were polite and professional at all times.
There is a credit card charge off on my credit report that I have attempted to get validation through XXXX and XXXX and have not received anything. I sent a letter asking them to validate the debt they are stating is mine on the credit report. I wanted them to send me proof of the debt and who validated it or verified that it was my debt. I sent the letter to them on XX/XX/XXXX and the only thing I received from the two credit bureaus was that it was verified and that it was my debt. I never received anything with verification or validation of the debt. I do not remember having an account with Capital One in XXXX and I am willing to take a look at whatever it is they have to verify that it is my debt in order to pay the amount they have of {$1200.00}. I know through research that they have 30 days to validate the debt and send the information I requested, but it has been more than that and I never received a thing. I would like them to remove this debt off of my credit report since they did not do what the law states they should have done.
I bought a condo with XXXX other people ( Husband/wife ) 10 years ago. 
They divorced and he declared bankruptcy. The property was quit claimed over to me. I have been making the payments on the loan on my own for approximately 6 years. The lender/servicer is OCWEN. I have called them numerous times and spent hours on the phone with them. I have sent them the quit claim 3 times. It takes FOREVER to even be able to speak with someone, as they say can not find my name on the loan. I have never received a XXXX mortgage interest statement in the entire 10 years that I had the loan. The loan does report to the credit bureaus. I have recently refinanced this loan, so it is now closed. There was a refund check issued and it is made out to the borrower who declared bankruptcy and quit claimed off the property. I have called OCWEN again and am now being toold I need to send a letter to the research department as they once again can not find any of the documents that have been sent to them multiple times. Again, this problem has persisted for over 5 years.
On my credit report it has an address listed that I have never lived nor have I ever been to that state. And another case where I have a misdemeanor under my name. My wallet was stolen from me in 2007, please give me some advice as to how can I remove this from my report.
After paying off ( not closing ) a  credit card, my credit score dropped XXXX points. I got a low interest loan to payoff this high interest credit card. Once the loan was reported my credit went up XXXX points but as soon as I paid off the credit card, my credit dropped XXXX points. This credit scoring doesn't make any common sense. The credit bureau will not give you an explanation, they claim that they are not allowed by law. So they can affect my credit negatively and they don't have to explain why? where are the consumers rights? The way it looks is that the credits reporting is geared to the financial institutions benefits not the consumer. If I pay off a credit card, that is good for the consumer but bad for the financial institution, this needs to change. The credit bureaus are so arrogant because they know they have a monopoly.
A private audit of the Capital One transaction history and ledger reveals new discrepancies. 

To Capital One Ethics Committee and Review Board : On XX/XX/XXXX I received a disturbing response from Capital One regarding account # XXXX FACTS : - XX/XX/XXXX I contacted Capital One for an extension due to temporary financial hardship and new employment. 
-In XX/XX/XXXX I was only behind one payment of {$380.00} -I asked to extend one months payment of {$400.00} -Instead of an extension Capital One added the delinquent amount to the extension request amount and demanded I pay {$790.00} to get the extension granted. 
-The {$380.00} would have brought the account current nullifying the need for an extension. The extra {$400.00} would have paid the XX/XX/XXXX bill a month a head of time. 
-Capital One arbitrarily required me to pay 2 payments, when I was only behind one payment, in order to get an extension. 
-If my extension was granted in the month requested I would not have been 30 days late and my account would be current. 
-The accounting ledger of Capital One supports my dispute. 

Capital Ones failure to make the correction based on the accounting ledger and transaction history has caused years of undue damage to my credit report. 

I ask that Capital One explain why I was required to bring the account current and pay the XX/XX/XXXX bill in advance in order to get an extension on XX/XX/XXXX. 

I ask that the names and titles of all persons involved in the investigation of this matter be provided.
At the time of the identity theft gain access I believe my personal information including my Social Security number was used to open up accounts without my permission in my authorization I hope by submitting this report it will help me stop put a stop to this issue
ON XX/XX/2015 I purchased a XXXX XXXX. The price was {$20000.00}. Now that I reviewing the price because I can't afford it i realize that I owe {$28000.00}. I don't understand why I am paying interest and principle in advance. The numbers are way off. The place I purchased from is XXXX XXXX XXXX dealership in XXXX CT. My ARP is 14.95 percent I think I am being cheated. 

The reason I mentioned this, is why do i have to pay principle and interest on a car that I want to sell back to them for the total amount that includes principle and interest for the next several years? 

Is this legal?
On XX/XX/XXXX I made an attempt to remove a number of inquiries from my transunion credit profile I did not authorize the companies below to perform. They refused to remove them. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Mortgage Co. XXXX XXXX XXXX c/o XXXX Loan # XXXX on XX/XX/XXXX XXXX XXXX bought our loan from XXXX XXXX XXXX  XXXX XXXX when they did the transfer they dropped one of the 3 borrowers names from the loan, they also changed the property address to our mailing address when the property address is completely different. 
We provided the note and deed of trust showing all three of our names on the loan as well as the correct property address and up until XX/XX/XXXX XXXX XXXX.had the right property address on the mortgage statement and then all the sudden on the XXXX statement CMC changed the property address to our mailing address which then caused them to say we are not insured when in fact we supplied the insurance binders for the property address in XX/XX/XXXX as well as XX/XX/XXXX but because internally they changed the property address to our mailing address they say we are not insured and now are charging us for their internal insurance binder at the cost of {$2200.00}. I have literally spoken to every supervisor int he insurance dept as well as the loan dept, I have conference calls as well throughout the 8 mos of dealing with this and everyone is gon na fix it but 8 mos later I am sitting on hold listening to them tell me they are gon na fix it .... We are at our wits end and do not have any other recourse but to diligently call them without fail every month trying to make them see that they did this mess not us ... we only get a run a round as we are now going on 8 mos of pure XXXX. Today we were told by the insurance side and the loan side of CMC that we have been escalated and the completion should be by XX/XX/XXXX .... HELP???
Harassed bu Bank of America.I ask bank of america why they are requesting so much documentations and to stop calling me. I was told they were assessing my risk. I became high risk when i ask for modification in XX/XX/XXXX-XX/XX/XXXX which they denied. and 3 yrs ago they contacted me after they lost with state atty general XXXX and modified me to 4.5 % .I was told they will nor correct error in their part since XXXX XXXX unless I SUBMIT ALL DOCUMENTS THEY ARE ASKING. They have requested astronomical documentation with the promise to correct the issue. several phone call were made to my office. threatened to increase my interest rate if documents were not provided. deliberately reported me to XXXX even after consistent payment. i was threatened to foreclose upon if my income do not qualify of the loan that was made in XXXX i have not missed a payment on the commercial property and now being told that i am high risk. the value of the commercial building is lower than the loan. now they are imposing 10 % interest, foreclose upon me or find another bank. i tired XXXX but bank of america reported me to XXXX my credit score went down. they want me to pay {$29000.00} principal and interest because they said i did not qualify. the loan was existing since XXXX and did not apply for loan. i was forced to fill out schedule of debt which violated my privacy and even made to submit my divorce papers. i have lost so many hours of work to generate all the documentations the required. After submitting all documents, I was told yesterday the will foreclose upon me. i have all the documentations/ conversations recorded/ notation as to what was said. My husband did not even request to ask his name taken out of the loan and proceeded upon removal of his name from the loan. PLEASE HELP ME.