WillisBack/dataset-financial-user-claim huggingface dataset:
I made a purchase for {$590.00} at the XXXX Wyoming US Post Office. They had to cancel the transaction because of a broken printer. 
The money was NOT refunded to my XXXX XXXX debit card XX/XX/XXXX. 
The Postmaster XXXX XXXX investigated it and tried again to refund my money on XX/XX/XXXX. 
XXXX XXXX XXXX did NOT put the refunded money on my debit and I had to call after midnight to talk to anybody. 
They gave me a dispute case number XXXX. I reported it to XXXX Wyoming Police case number XXXX. 
XXXX XXXX did NOT send dispute paperwork and lied about it. I send the info plus a letter from Postmaster XXXX XXXX on the matter to XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX Texas XXXX. No response. 
I faxed it to their dispute number XXXX and got transmission verification back but XXXX XXXX lies and said it wasnt received and it has been faxed twice. 
I reported this misdemeanor larceny theft to FDIC. 
I am reporting it to you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WY XXXX
In XXXX 2015 I was prescribed XXXX XXXX by XXXX XXXX XXXX XXXX. They told me before my sessions that it was covered and I only owed a copay. A few months later I received a bill for the full cost of the 4 XXXX XXXX XXXX {$550.00}. I told them I did not owe that amount because insurance was supposed to cover it and I never heard from them again. The amount was then sent to I.C. SYSTEM INC for collections even though I disputed that I even owed them money in the first place. I contacted the collections agency and indicated the amount was in dispute. Now I have negative marks on my credit report. I do n't owe this money.
I was the victim of identity theft a few years back and just learned some hard inquiries from the person who stole my identity are still noted on my credit, as well as XXXX account being still open that is not mine ( XXXX ). I have filed a report with the police.
I have lived at XXXX XXXX XXXX XXXX since 1983 and have never had the addresses of Equifax Former Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Former Address XXXX XXXX XXXX XXXX XXXX XXXX. 
Please remove these two former addresses from credit information. 
Thanks, XXXX XXXX XXXX
Everything on my credit report has been not only sold to collections therefore I'm no longer responsible for it once they were sold, but it all excceeds the 7yr limit by law n should not be still showing on my credit report ...
Sam 's Club Credit does not provide a reasonable electronic statement that reflects all of the information provided on a paper statement. When enrolled in electronic statements this is information that is no longer available unless it is requested from customer service ; a paper statement is then generated and mailed to the address on file. Most banking and credit institutions provide a way to view electronic representations of the exact statement that would be mailed.
I opened an account with Usaa in XX/XX/2018. I was asked to verify my military status and to send in an Id. I sent Usaa my id and my XXXX. I applied for a credit card and was approved. I had an option to have a different mailing address. I changed it and everything was fine. as I tried to use my credit card. they froze my account for verification. per verification they first said they closed my account because I had a past due balance of {$25.00} then they came back and said because I didn't answer the phone when they called that they choose to close my account and I can make an appeal. when I asked why they had to valid reason. I felt like I was being treated as a criminal. they have had poor communication regarding this whole matter. their information was not consistent and they treat new customers like criminals. I have not committed fraud. I have not made a report to the credit bureau so this treatment even after I have been verified is unacceptable. I am requesting for a investigation.
I filed a complaint to concerning the credit reporting practices of the XXXX credit bureaus. Equifax , is still reporting my credit score unfavorable, with out any justification supported by the Fair Credit Reporting Act. My Score dropped by over XXXX points, the reason. I use over XXXX percent of my credit card balance. 
I have been working on fixing my credit score for over 7 years, and it has been an up hill battle. I would like to purchase a home however, the unethical reporting practices by Equifax has drastically hindered my progress. 
I need this corrected immediately.
XX/XX/XXXX 2 transfer adjustments of XXXX were made to my account, increasing the amount owed on the card XXXX. There was no reason for these adjustments, I believe they stem from a fraudulent charge made to my account in XXXX of this year. The fraudulent charge had been transferred from the credit card it was made on to this account. I called the credit card company and they corrected it. Not long after, they made another transfer adjustment to my account. Again, I called and it was corrected. 
On XX/XX/XXXX they did the same transfer adjustment, twice. I have called 5 times over the last 6 weeks and have been assured that it would be corrected. It has not. I am contacting you because it now seems clear that USAA is unwilling to correct their error,
Purchased a treadmill from  XXXX  in  XX/XX/XXXX  after being approved through their website for 0 % interest for 12 months.  Treadmill  was delivered and finally, in   XX/XX/XXXX ,  after I had to call and email  XXXX  to find out who the creditor was, I got my first statement from Fortiva  Credit with the m inimum payment due along with an offer to sign for auto payments from my checking account. If I signed up for auto pay, I 'd get a {$25.00} bonus credit to my account after making the first payment.     I made the first payment on th e  XX/XX/XXXX  & noticed on the  XX/XX/XXXX ,  an imposition of interest in the amount of  XXXX . I contacted Fortiva  Credit through  the online chat feature and was told that my account did not have the promotional 0 % interest. When I inquired about the {$25.00} bonus, I was told repeatedly that the credit would post after the first payment had cleared. When I pressed the rep that the payment had cleared on the   XX/XX/XXXX , I was to ld that the credit would post 37 days later.     So, Fortiva  Credit is bait and switching on the terms of the contract and also continuing to r ack up interest charges for an entire statement cycle before issuing the credit. This was not included in their disclosures.
On  XXXX   XXXX ,  XXXX  we moved in this apartment at  XXXX   XXXX   XXXX   XXXX .  XXXX , TX.  XXXX  and moved out to  XXXX , TX. on  XXXX / XXXX / XXXX , we paid everything that they required under the leasing contract, we had a walk-thru with th e Property Manager   XXXX   XXXX  and delivered her the apartment in top structural and sanitation condition, we signed a release form with her and moved out, to our surprise, abo ut 3-4 months later we got a letter from her stating that we had a balance of {$120.00} due to carpet damage, cleaning of tub and hangers ; we delivered the apartment in a very good condition, the carpet was shampooed and no tear or spots on it, the tub and hangers were totally clean and disinfected by us . We think that since we were selling some items to avoid transporting and braking them, we had offered her our new TV set for a price that she did not want to pay and she was hoping that we were going to let her have it for peanuts. We did not sell it for such a low price and decided to bring it with us, so she got upset and later started this false accusations.
I had an open loan with XXXX XXXX. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.
I have been contacted multiple times by a collection agency that goes by Ability Recovery. They are trying to collect on a medical debt that is a result of identity theft. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens.
To start the apartment complex back in 2016 sent me paperwork with the wrong amount and wrong name listed. SO I tried to contact them to get this corrected and got no response. It then got sent to IQ data who I recently tried to communicate with to settle the account and was treated very poor. A manager by the name of XXXX XXXX cut me off and hung up on me, when I called back to ask for his manager I was advised there is no need to speak to different managers in regards to the account. I am trying to settle my account before I process my bankruptcy due to financial and medical hardship. The manager stated that this month out of the year is the lowest they are able to settle accounts for which makes no sense why it matters what month it is. Also when I was trying to explain my situation he spoke over me and told me they aren't scared of my threat of bankruptcy and hung up. I was not threatening anyone but trying to explain what ii am doing to try and settle an account.
I paid off a charge-off account at Chase Bank N.A. and noticed that they still have me listed as owing them money on XXXX database. After reviewing my credit report they removed the entry but left it on other Consumer 's Reporting agency 's file. I hereby demand removal on ALL entries and reports.
Wells Fargo processed XXXX of my credit card payments to XXXX XXXX the same day I made them ( XXXX/XXXX/16 ) causing me to go negative and was charged XXXX XXXX overdraft fees. I have been doing the same type of transactions for years and Wells Fargo has always process these payments at least one ( 1 ) day after and sometime 3 days after I make them. I always pay as a check through the XXXX XXXX website. Their practice was always to process these payments one to three days after. I have always have enough balance when payments are process by Wells Fargo. But on XXXX/XXXX/16 I had only about {$40.00} and they processed the payments intentionally the same day to charge me the XXXX XXXX overdraft fees. My direct deposit was deposited on XXXX/XXXX/16. I called them on XXXX/XXXX/16 to explained and ask for a full refund and they are not willing to cooperate and only offering a 50 % refund. I was charged a total of {$140.00}. Each OD fee was {$35.00}.
I received a loan from Northcash and was not disclosed the interest rate, only the finance charge on the phone. This was a minimal amount. My signature was forged through electronic email. I asked repeatedly to pay the loan in full, which continued to increase. I researched the company and found out this is a payday loan, which in the state of NJ is illegal, however this company claims to be a Native tribe on Sovereign land, which if the consumer does not agree to the terms or to continue the loan, it must be cancelled. Once the information was received, my identity was compromised which resulted in numerous bank fees and credit holds and issues.
We applied and were approved for a credit card through XXXX XXXX XXXX card, provided by Citi. We were told that we would receive certain benefits such as improved boarding position and free checked baggage. When we used the card to purchase flights/book travel we still were charged for our checked bag and were not given the improved boarding status. The flights were purchased almost a month in advance and the bags were paid for at the airline kiosk with the XXXX XXXX XXXX Credit Card. When I brought this to the attention of the credit card company and the airline, both redirected me to a refund website which was not particularly clear about the information required to receive a refund. The website asked for a " document number '' which could mean an itinerary number, membership number, credit card number, how are you to know? Once I figured it out ( number found on the credit card statement ), I filled out the required information on the website and was told that my application would have to be manually reviewed. I had to do this twice, for the bag that travelled to and back from our destination. We 've flown since and I assume that I will have to go and file for these refunds individually. What is frustrating about this, is that we receive our reward miles ( as promised ) but the other benefits with upfront costs seem deferred until you the consumer takes further action. Why must a consumer take additional action to realize certain advertised benefits while other benefits such as airline miles are awarded using the same information? I could not receive nor use my airline miles without providing my XXXX XXXX membership number. Why then, when I provide my membership number to check into a flight and pay for a bag service at an XXXX XXXX point of sale at the same time, using their XXXX XXXX Credit Card, do I not receive the other benefits associated with the card. It seems to me that when I provide my membership number and present my card at the XXXX ( as well as in person when I hand over my bag for check-in ) I should automatically receive the benefit stated on the card ... why all the additional hoops? I wonder if this is a method of taking in revenue that hinges on a customer not paying close attention to their benefits. Furthermore, by providing some benefits, it creates an illusion that the XXXX and Credit Card company are behaving " above board '' by giving you benefits, when they are not actually awarding the customer all of the promised benefits as stated in the credit card application.
Equifax confirmed that my SS # /credit information was compromised during their hack. They gave me credit freeze ( confirmation # XXXX ), credit monitoring, and ID theft insurance for one year. However, since the hack is Equifaxs fault, they need to make the credit freeze, credit monitoring, and identity theft insurance should be indefinite, not just a year. Also, Equifax needs to pay for a credit freeze on my accounts at the other two credit bureaus. 

I contacted Equifax about the need for them to pay for the freeze at the other 2 credit bureaus on XX/XX/XXXX, but they ignored me. 

Equifaxs site wont authenticate me, because it says I answered credit questions wrong. It said I may have taken out an auto loan in XXXX and asked the name of the loan company ( see attached ). I chose none of the above, since Ive never taken out an auto loan in my life. It asked for the monthly payment. I chose none of the above since there is no loan. I did the same with the next similar question. Nothing on my credit reports says anything about auto loans or any loan other than my student loans with XXXX. I answered all of the questions correctly, but it wouldnt let me into my account. When I looked at my credit report, of course there was no information about an automobile loan.
Was looking at a house with a Coldwell Banker Agent. She referred me to one loan officer and he collected my information. He never disclosed that he was n't the person who would run my credit. He worked for PHH Mortgage and the Coldwell Banker in XXXX. His name was XXXX. I feel as if something was being done that was n't legitimate.
To whom it may concern : My name is XXXX XXXX and my issue is with XXXX XXXX. I applied for an Evine account which I never knew they worked with this bank, which I heard terrible things about before. I always made my payments on time and as a matter of fact I paid my monthly payment almost twice the minimum payment. My minimum payment is of {$27.00} and my first payment I paid {$30.00}, and after that i paid {$50.00} every month. Seeing that the balance doesn't go down enough I started paying {$70.00}. Today, XX/XX/2018 I received a letter from Synchrony bank where it stated that my account was closed " DUE TO THE NUMBER OF OF DISHONORED PAYMENTS ON THIS ACCOUNT " I was perplexed when I saw this and called the bank right away. I was told that they closed my account because I SUPPOSEDLY had recurring payments on their website and that I failed to honor that. I told them I never did any recurring payments through the computer as I was paying them monthly by phone. I asked them if I am missing or missed any payment and they said no, ap basically they closed my account and are making it sound like I'm not paying my bill because of some recurring payment that was marked on their website and not because I'm not payments. I am a XXXX  and XXXX veteran living on a fix income and trying to fix my credit and for some crooked bank to try to harass me and try to denigrate my credit and reputation is wrong. I would greatly appreciate any guidance and support in this case before I place a lawsuit on this bank. Thank you
In or around XXXX XXXX I was laid off and soon thereafter began having financial hardship. I explained this situation to Car Finance ( the agency collecting the auto loan ) of such hardship. Towards the end of XXXX XXXX my income was drastically decreased but I kept my best to make payments and ask that they stop calling my cell phone so often as I was well aware of the times my payments were late but I was still making them. In XXXX XXXX they kept calling on a regular basis even though I explained I was trying to borrow funds and would make sure my payments were n't more than 30 days past due. My requests continued to fall on deaf ears and the calls had gotten to the point I begged to stop and borrowed money from my roommate on credit to pay my bill, because they would n't let me off the phone. I have spoken to people in the legal field because of the harassment and I was advised once I asked them to stop calling my cell phone they would be in violation of the Telephone Collection Practices Act and considering they had called at times prior to XXXX and after XXXX PST they were violating Federal Collection Practices Act. I called them and told them about these violations and I NEEDED them to stop ; i was told ( no less than two separate occasions ) they could n't until my bill was up to date. -- I have made several complaints to them, I 'll need to get their call logs because their number changes and I only have two or three numbers they used to call me on my cell phone call logs. I understand that an attorney may assist in getting direct funds for each violation. My goal is not to have an attorney take a lot of money and I still owe them. My goal is to have them work with me, remove all of the fees ( which is the majority of the amount owed ) and a decent payment plan only on the remaining principal amount. That seems fair, I do n't want a long drawn out legal issue and them to threaten to repossess my vehicle while ruining my credit report. My credit report should n't have any delinquencies regarding this debt because I have made sure payments were not over thirty days.
Client attempted to work with Carrington Mortgage as her loan was transferred from XXXX that already had been Modified. She finally came to Housing Counselor and we submitted a package stating the reason for delinquency is payment dispute. we are including with this complaint the document sent to Carrington and the work out she had been offered by XXXX. # 1. she was paying payment that was being held in suspense, # 2 they have capitalized the arrears into the loan and said the suspense funds were applied to the arrears that they held without applying to the mortgage payments. 
We were informed we need to send a dispute to Carrington- which Counselor will do in conjunction with this complaint. She stopped paying the payment when counselor advised to stop sending payments as they were holding funds of XXXX as of XXXX XXXX, 2016.
I HAVE SEVERAL XXXX ACCOUNTS ON RECORD AND NEED TO CHECK THEIR DATABASES TO LOACTE ALL ACCOUNTS AND THEN ASK XXXX TO CONDUCT AN ACCOUNT REVIEW MAKING THE REPORTING PRPERTLY DONE SO.
A REQUEST FOR BAYVIEW LOAN SERVICING LLC LOCATION OF XXXX FLORIDA TO REPORT XXXX XXXX XXXX SINGLE FAMILY HOME OWNER MORTGAGE SALE ON AROUND XX/XX/2017 TO THE THREE MAJOR CREDIT REPORTING AGENCY 'S 1 ) XXXX   2 ) XXXX 3 ) XXXX XXXX. LOAN # XXXX PROPERTY ADDRESS : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX
Complaint : XXXX mortgage company has erroneously reported my mortgage payments late since XX/XX/XXXX until this date, XX/XX/XXXX. 

Explanation : XXXX  XXXX XXXX sold our mortgage to XXXX in XX/XX/XXXX. They did not report any payments until XX/XX/XXXX and immediately began reporting my payments as late. ( I have cashier 's checks receipts that will prove otherwise. ) I have only missed four payments, and when I knew that payments would not be made for certain months, I politely called, and asked if they could be put on the back end of my mortgage agreement. ( Please note : these payments were never in succession, but spread apart throughout the years. ) I was told that they would be put on the back end of the mortgage agreement, yet in XX/XX/XXXX, I received several " Intent to Foreclose '' notices on my front door, and through the mail. These are the very same months that should have been put on the back end of the loan as requested, and granted, or so I thought. To make matters worse, XXXX hit me with over {$3000.00} in foreclosure costs. I applied for a loan modification that was approved in XX/XX/XXXX, and began my trial payment period in XX/XX/XXXX. XXXX has reported these months, ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) late as well to the credit reporting bureaus. I have bank statements to prove otherwise. I also have copies of cashier 's checks that date back to XX/XX/XXXX, when XXXX  XXXX XXXX was then my mortgage holder. This will prove that I could not have been late when XXXX took over as my mortgage company in XX/XX/XXXX. 

Just recently : Illegal Insurance Practices. 
I and my family live in XXXX, NC, and have just come through Hurricane Florence that left many of us hurting. The area has been declared a Disaster Area from The President and FEMA. I also suffered damage to our home, and our insurance company assessed the damage at {$8000.00} of which we have received only {$950.00}. I am able to do the repairs on the home myself, but XXXX has insisted that I get a contractor out to do the work for me. The remainder money has been taken by them, and is under their control for no apparent reason. They will not release the money to me without extended paperwork from contractors. No contractor will comply with their requests due it being illegal, which leaves our home in disrepair.