WillisBack/dataset-financial-user-claim huggingface dataset:
Used western union as a bill pay in store. The payment was routed to the wrong car payment company. Spoke with western union at stated they woukd contact company money was incorrectly routed to and reroute funds to correct company within 48 hours. Waited 48 hours and was told no progress had been made in retrieving funds and to wait another 48 hours. I'm meantime my vehicle has been repossessed. Still another 48 hours later no progress made. I personally spoke with company money was incorrectly routed to and was told that they had the funds on hold me due to it being attached to nonexistent account, but to that date had not received request from western union to return funds. They gave me a number and email for western union to expedite request. Called western union and was told they would note the information but would do nothing until their own back office contacted them again which hadn't been done since 24 hours after initial request. Asked for contact information of back office and was told that information is not for public consumer use and please call back in ANOTHER 48 Yours! Meanwhile my car is gone! I did not request a refund, I requested a Reroute! This is getting out of hand and in the meantime my car is slipping out of my grasp! The amount of the payment was for XXXX! The tracking number is XXXX.
I did a settlement for {$1900.00} for 12 months with BlueShore Recovery for a debt with XXXX payday loan. I paid {$750.00} and missed my XXXX XXXX payment due to change in my debit card due to an identity theft issue. I got a letter on XXXX XXXX from a whole other Debt Collection agency about the same debt but for {$2500.00}. Come to find out they transferred my debt to some one else and didnt call to ask why i missed a payment or anything. They were going to keep the {$750.00} i already paid towards my debt without transferring it over or telling this other collection agency of what was agreed and what i already paid off.
Last year, This whole year from XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$2.00} XXXX XXXX. I have been fighting with them so long. Their platform all of sudden wasnt working with my my bank verified. I had money in it. Im not sure when I continue to closed. I still was getting these fees. They go back to XXXX. Im tired
On XX/XX/2017 I paid off my mortgage with XXXX XXXX XXXX XXXX. In the previous month, a car lease to XXXX XXXX was satisfied and closed. The lenders reported these account paid off and closed. My credit score has been decimated as a result. My score has been consistently in the 780-805 range for over 2 years. It is now XXXX because I retired debt. I have been diligent not to over utilize my credit, paid all my bills on time and have long standing accounts, one 32 years old. I have spoken to XXXX reps twice and XXXX 3 times. None of these people can offer any explanation other than I paid off debt. There are no human eyes on this calculation, only algorithms. How can these practices be acceptable or legal. I am retired and have worked all my life to maintain good credit and because I retired debt now I am being penalized. It is totally counterintuitive Please help me.
I am writing to dispute the following information in my file. I recently received a copy of my credit re ports (  XXXX ,  XXXX , and  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n ot be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order Please rem ove these inquiries from my credit reports immediately.
a payment i made and processed on XX/XX/2018 of {$200.00} has not been credited to my credit card account by XXXX XXXX XXXX.Got response letter to letter i sent HSBC on XX/XX/2018.HSBC responded XX/XX/2018 from hsbc with no person name, title or direct phone number.XXXX XXXX is very unprofessional in handling of this matter and i need you help to correct problem
I have noticed that a number of credit card statements use a very small font. I 'd guess XXXX pt or less while others use a much larger font - XXXX of XXXX pt. On at least XXXX occassion I have misread XXXX of the small font payment stubs where the day was printed as a " XXXX '' but I misread it as a " XXXX ''. I do n't need glasses in the normal course of my activities but have have bought reading glasses jus so I can read these statements. 

While there maybe other companies using the smaller fonts, FIA Card Services and XXXX XXXX XXXX XXXX are XXXX companies which user a smaller font. The payment coupons do not have a space issue that would require the use of these small fonts so I suspect these fonts are used intentionally in the hopes the consumer will misread them an permit the company to charge a fee for submitting an incorrect amount or missing the due date.
I have a Capital One account ( XXXX XXXX ) the account is over 90 days late. I recently took a job on XXXX ( XXXX XXXX ) working on an XXXX XXXX XXXX base. I have been unable to get in touch with Capital One to discuss paying this account off. All their XXXX, XXXX numbers will not connect from here. Their website takes me to a XXXX number I have tried to email them but I can not find a email address on any of their bills. They are charging me more interest and late fees, how can I contact Capital One?
Went to county court on Thursday XX/XX/2019 and satisfied the debt owed to XXXX. through attorney 's representing XXXX ( XXXX , XXXX XXXX XXXX, XXXX ) located in XXXX, CO. according to court documentation XXXX owes me {$350.00} in overpayments plus interest, which was taken from check dated XX/XX/2019. I have yet to receive. Attorneys claim not having my current address, which is, my current address : XXXX XXXX, XXXX XXXX XXXX, XXXX, CO XXXX.
This is the second complaint with CFPB an d Caine and Weiner. My  first complaint was  XXXX .  Caine and Weiner respond ed with a response that the debt is verified. The company 's determination of verifying a debt is to send a copy of a bill. That is not verification. I requested in writing twice, certified mail, read receipt, to verify AND validate this debt is mine. It is not! I have This right under Secti on 609! I  have the right to request and receive " the name of the person under which such person conducts business and the address and telephone number of that person ''. I request proof the debt is mine. This proof/verification/validation will not surface because it does not exist. A copy of a bill does not suffice, nor fulfill my request. If  Caine and Weiner  can not provide this, I want this account removed from my credit report immediately.
XXXX 2016 I have a hard inquiry on my credit report from CBNA. I had not authorized an inquiry, requested credit limit increase or any such action on my accounts.
I have car lease on my name but the car is for my daughter ; she has bad credit and thethe financial company refuse to pass the contract lease to may Daughter ; we my wife and myself wear in the proses to refinance de mortgage and the late payments of my daughter affect our credit it is my problem l
I recently had my chapter XXXX Bankruptcy discharged. Most of my collections accounts dropped off completely from my XXXX report. However, with Equifax, they kept collections account information on my report and are reporting this as " open '', when in fact these three accounts were included in my Bankruptcy.. ( XXXX XXXX, XXXX XXXX ). 
Equifax has also allowed two of the creditors that were listed in my Bankruptcy and ( might I add these accounts were fully discharged ), to re-report the SAME information, causing my credit score to drop 43 points!! Equifax has no option on their websites dispute page to dispute the credit score. The creditors that were allowed to re-report the same information were XXXX XXXX/XXXX, this particular account was paid in full PRIOR to the Bankruptcy and no balance due, I only had to report it since I had an open account as well as other accounts with XXXX that did have a balance. The other account was with XXXX XXXX XXXX, according to Equifax, both of these companies re-reported that I had included them in my Bankruptcy that was discharged on XX/XX/2017. This information is totally inaccurate as this has already been reported at the time of my discharge and should not have had any bearing on my credit score since it had already taken a hit.
Upon applying online for a XXXX Card through Synchrony Bank, I was asked for personally identifying information through what appears to be a XXXX Party Service/Credit Report Service. XXXX of the questions asked about my current property and asked for the date associated with it. None of the dates were even close - not even in the same year - and the only other answer was that I am not associated with this property, which is also incorrect. As there was no correct answer, I failed the identity test and was denied credit. I have a XXXX FICO score and have never been denied credit before in my life. 

I have called XXXX XXXX and Synchrony Bank. I have been transferred to numerous people, none of whom could help or even understand what I was talking about. I was transferred to the credit department and treated like I was a deadbeat. I have asked for a number at Corporate that could figure out who this Third Party provider is with the incorrect information. I have lodged a customer complaint that I do not expect to go anywhere. 

I have checked my credit card reports and the information about my mortgage shows the correct date - XXXX 2010. I also check my credit union and it too is correct. 

It is absolutely unacceptable for Synchrony Bank ... or any other financial institution ... to be using information to determine identity or credit worthiness without the proper support procedures put in place if such information is wrong. My credit report has been damaged due to denied credit and no one is taking any kind of accountability to assist in getting this erroneous information corrected.
I have a XXXX. When choosing a credit card company, my wife and I are always careful to choose a company that has strong system to monitor unusual or suspect activity, which Chase clearly advertises. Also, our credit limit was to be {$24000.00}, but Chase enabled charges of up to {$55000.00} within the same cycle with daily transactions of up to {$10000.00} ( which would be both unusual and suspect ) without consistently alerting either my wife or me. We incurred more than {$60000.00} in credit card debt and were able to bring that amount to {$41000.00} with no means to make the minimum payments. We immediately reached out to Chase to explain our situation and believe that Chase should also be liable for the fact that they did not fulfil their duty of protecting their clients.
My loan amount are inaccurate and when I attempt to enter into an income based repayment plan, it reports my loan balance is {$XXXX}. I have been trying to enroll in an income based repayment plan to no avail.
In an attempt to mitigate any sort of credit issue, I called Navient Student loans ( with whom I have private and federal loans with ). I recently lost my job, and was attempting to put my loans into forbearance or deferment. Navient charges {$50.00} per loan for a 3 month Forbearance period. For the XXXX loans in my name, that was a total of {$150.00}. It is {$150.00} of which I dont have at the moment due to my loss of employment. Prior to this, I had always made my payments on time. If by some happenstance, I were to need more time, I would need to pay an additional {$150.00} to extend out the forbearance period for an additional 3 months. After hours of talking to different operators and managers, Navient 's official position is that they do not offer any non-payment options for their private student loans. As I am now unemployed, this will likely affect my credit rating, and snowballs into a larger debt problem that I may not be able to climb out of for several years at best. I wish to warn any who read this to STAY AWAY from PRIVATE student loans, and Navient especially, as they are extremely unfriendly towards their borrowers.
A transfer was done from my account through XXXX.my bank is frost bank. They act like they do not want to refund me money. they closed my account opened another one then called me later to tell me that it has to be closed too. They suspect tried to do another transaction which made them lock the account. So now i have to hurry and change my deposit from my employer before they try something again. I want frost bank to refund me my money as they never sent any notification that my bank was doing transaction.
I will start with my original issue with the company XXXX XXXX XXXX : on XX/XX/XXXX I purchased a vehicle and took out a loan through XXXX. That vehicle proceeded to fail Massachusetts state inspection 3+ times. The dealer and XXXX were both contacted and informed. The dealer proceeded to make some repairs and the vehicle still failed again. And again. And again. I tried returning this vehicle but unfortunately I did not go through the proper steps. that aside. XXXX never made one effort to contact this dealer. They never once tried correcting this issue and because of this. I am paying on a {$6000.00} loan with a 24 % interest rate for a vehicle that has been sitting in my yard. Undrivable since XX/XX/XXXX the day I bought it. This vehicle qualified under the Massachusetts lemon aid law MGL chapter 90 section 7n and XXXX made no efforts to see through to their end of the contract by providing me money for a vehicle that WILL pass inspection. They trapped me into a loan for a vehicle that TO THIS DAY HAS A REJECTION STICKER ON IT. So that is my first issue. 


Let me go on to my second and most concerning issue I have with XXXX, the inaccurate credit reporting. Firstly. XXXX has granted me a deferral for the payment due in XXXX. They later on said that there was NEVER a deferral given to me. Months later I found the original deferral contract ( which I have ) and they still deny it. On top of all of this. They have been reporting that I am over 30 days late for the month of XXXX. And over 60 days late for the month of XXXX. I will provide pictures of my payments. 


Please note this!!!!!! : I have a video/ audio recording of a phone call with XXXX of them acknowledging that I was not late! They told me in a phone call that my issue would be corrected and my info would correctly be reported to the credit agencies. BUT THEY NEVER DID!!! And they deny that anyone ever told me that! Also there was a confusing phone call made on XX/XX/XXXX where it was stated that I was caught up to date. Later on come to find out they tell me I was not up to date. And nobody ever told me that. So rest assure. If you find the phonyou call between XXXX and myself on XX/XX/XXXX you will clearly hear a XXXX employee tell me I am caught up to date. 



PLEASE HELP ME. I have been dealing with COUNTLESS similar issues with XXXX and it is never ending. I am on my last straw. I am in the process of filing against them in small claims court for the full price of the vehicle. XXXX shouldve voided the contract as soon as they found out the vehicle failed inspection. But they didnt and now Im trapped in a loan for a vehicle I couldnt use since day one. And not only that but they are inaccurately reporting on my credit which is INABLING ME FROM DOING ANYTHING XXXX has tarnished my credit illegally and now my wife and I are having an extremely hard time buying a house, and getting another vehicle. Because I am trapped in this loan. Please help me ( also innacuratly reporting my payoff balance to the credit companies for the entire time Ive had this loan )
On or about XXXX XXXX, someone from your company called my client and said they were an attorney and threatened to keep increasing the balance on the account. Also, my client has continued to receive harassing phone calls from your company where he is insulted and talked down to.
My mortgage has gone into foreclosure due to a separation/divorce. At the time my husband left I was only working part time and could not afford the payments. I have since obtained full time employment. He has walked away from the loan. He has no contact with the bank and does n't care if the house forecloses. I have tried everything I can to work something out with Bank of America. I call them weekly, applied for a modification, and even saved the past due amount to reinstate the loan. To my dismay, they pushed forward with a foreclosure and filed judgement against me in local court. The are requesting additional information from my husband, which he would not provide because he does not want the loan anymore. I offered to pay the bank to reinstate the loan. They sent me reinstatement figures. There were XXXX of dollars in fees attached in addition to the past due amount of the loan. I asked for a detailed listing of the fees. They would not provide them to me. I was told by my Bank of America Customer Relations Manager to contact the attorney handling the foreclosure to obtain a breakdown of their fees. When I contacted the attorney, XXXX XXXX XXXX of XXXX of XXXX, PA, The amount to reinstate was completely different and a lot less than the bank was telling me. The woman at the attorney office told me I could send payment to them directly and the loan would be reinstated. I contacted the bank again, they denied this was an option. The told me to forward payment to them. I asked the amount needed to reinstate. I was given another estimate. Completely different again. It had gone down from the first quote, but was still higher than the attorney. They told me this was due to " estimated '' charges. I asked for a breakdown of these charges. They can not provide that to me. They told me to pay the amount by XXXX XXXX or they are filing for a Sheriff Sale date in my county. I have told them again and again I do not have the {$13000.00} or the {$11000.00} needed to reinstate that they want. I can pay the past due amount, the {$9700.00} for my back payments and have asked to make other arrangements to pay back the " fees ''. They refuse to accept the payment. They want the full amount they keep telling me. I asked why foreclosure went through when I was trying to get a modification. They could not answer me. Bank of America was requesting additional documents they told me. Every time I call I get a different person with a different answer. Bank of America is telling me it 's the lender, FHA, that 's requiring the full amount to reinstate, yet the amount changes every time I call. It 's like they want to foreclose on the loan and are not willing to help me save it.
Sent a letter to Penn Credit 35 days asking for information about this debt. Didn't receive anything back. Reached out to Penn Credit XX/XX/2018. Asking for them to respond to my letter. XXXX, stated they no longer have this debt and i would need to reach out to someone else.
I am paying my mortgage online through online bill pay. My payment is being rejected by the mortgage company, Loan Care, LLC. Unfortunately for me, I do not find this out until 20-25 days later when my bank finally refunds my on time payment. 

Timeline of events ( approximations on the hours ... the days are precise ) : XX/XX/XXXX - Payment was made XX/XX/XXXX - I hold my Payment for XXXX because I don't know where my previous mortgage money went. I think I'm getting scammed at this point. 
Between XX/XX/XXXX and XX/XX/XXXX - Over 25 hours of hold, >2 call back requests and 2 emails ... I can not get contact with a human. I would either get hung up on or the customer service center would close. 
Between XX/XX/XXXX and XX/XX/XXXX the people who closed on my mortgage contacted someone to get in touch with me. They told me to try my payment again. I said I would wait to make sure I have my money back first since they rejected it. Their response, " We can not reject a payment. '' I have proof that they do. I've sent it to them in email and I also have a second round of proof now that they rejected my payment again! They then tell me I don't have enough funds in my bank account. This is also a complete farce. 
XX/XX/XXXX - Bank refund was received for mortgage payment XX/XX/XXXX - Refund cleared ; payment was sent again. Loan Care processed the payment on XX/XX/XXXX. 
XX/XX/XXXX - I was reported to the credit bureaus for delinquency. 
XX/XX/XXXX - Able to get enough evidence to prove that delinquency wasn't my fault. Sent proof to Loan Care. 
-- End of this issue -- XX/XX/XXXX - Paid for XXXX. 
XX/XX/XXXX - XXXX XXXX for XXXX payment. 
XX/XX/XXXX - Called Customer Support around XXXX ... requested call back. Received callback at XXXX. XXXX said processing fee would be waived and late fee would be waived ; so I asked if I could pay both XXXX and XXXX. He said yes. Unfortunately, I was not prepared with financial information as I was out to dinner and tried to pay with debit card and using my phone with the only access to my bank account. Agent said not possible to pay with debit card but to call back when I got my information and that he noted everything in the account. Agent also  specified that my credit reporting to the bureau was fixed. 
XX/XX/XXXX - XXXX Called customer service. Requested call back. Received call back ~8. Agent refused to waive my processing fee. Why should I pay for someone to take my payment when they deny it online, deny that they are denying it, tell me that they will process it with the fee waived and then deny waiving the fee? I became unhinged, the arrogant agent stuck to her guns ... I hung up and wrote this note. 

Why am I fighting to pay someone something do not want to accept? I should not have to put in part-time hours to get someone to accept my payment. I'm not asking for a hand out. I'm not asking for freebies. I just want to pay my bill and not have it sent back to me.
On XX/XX/XXXX, I opened a Citibank Account Package Checking account with a promotional offer of $XXXX.  If the qualifying terms are met, citibank was to deposit $XXXX as a promotional bonus into the account.  The terms included a direct deposit for two consecutive months, depositing $XXXX and maintaing that balance for 60 days.  The terms also state the the bonus would be deposited 90 days after qualifying terms were met.The following are dates of when the qualifying terms were met.  The terms were completed on XX/XX/XXXX.  90 days past that is XX/XX/XXXX.  I still have not received this bonus. Deposit $XXXX: XX/XX/XXXXDirect Deposit : XX/XX/XXXXDirect Deposit: XX/XX/XXXXDirect Deposit: XX/XX/XXXXDirect Depsoti: XX/XX/XXXXDirect Deposit:  XX/XX/XXXXAfter sending Citibank a secure message, they informed me that I qualifed for the bonus, but to wait 90 days after terms were met.  Because 90 days have already been met, I decided to contact Citibank by phone.  Once again, Citibank refuses to deposit this bonus and cites waiting 90 days after terms were met.  After explaining to Citibank representative that it had already been 90 days, citibank refused to honor their own promotion.