WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/XXXX, I noticed my monthly statement from Lowes had a late fee charged. I called Lowes customer service number and explained that I noticed a late fee charged and that my payment is not late. I have my monthly payment taken out on auto bill pay from my bank. The payment is made the day before the due date. My payment date is the XXXX of each month ; and it is paid on the XXXX. When I call Lowes, they reverse the late charge. Unfortunately, charging a late fee occurred every month. I had to call every month to tell them the same thing ( late fee should not be charged. payment is not late. ) and when I was charged twice for a late fee, ( one fee for being late, another fee for not paying the late fee with my payment ) -- -they would only reverse one of the fees!!! Lowes has since penalized my account because they said I am late so often ( lie ) they have raised my interest rate!! -- -- I notice on my monthly statements, that XXXX XXXX is who takes care of the monthly statements ; I have a JCPenneys  account, too. XXXX XXXX is also the institution that takes care of JCPenneys monthly statements, and I have never had this happen on my account with them. I want this fraud attempt to stop -- -- I want my interest rate put back or lowered. I have not checked my credit report as of yet, so I do not know if Lowes has been reporting late payments on it, and if they have I want all negative remarks or statements removed immediately. one more thing, I initially filed a complaint with BBB, the BBB contacted Lowes, and I did receive a call once from Lowe 's around end of XX/XX/XXXX of XX/XX/XXXX ; and have not heard anything from Lowes since ; I contacted BBB on XX/XX/XXXX for follow up telling them I have not heard anything from them or Lowes, and they said to refile complaint with BBB.
applied for a 1 time loan inquiry for a new car loan with XXXX XXXX   XXXX in PA. I was told they would not be able to help me out ... .I continue to receive countless letters of credit being run on a consistent basis from them with different banks etc. I have called the dealership and the sales rep i worked with and have received no response back. The sales rep was XXXX this is his number XXXX ( XXXX ) XXXX. 

please help
I deposited a XXXX XXXX cashier 's check for {$17000.00} at my XXXX, MD Bank of America branch on XX/XX/2018. I deposited it at the drive up ATM because this bank has permanently closed it 's drive thru window. My receipt acknowledged the deposit and had no notification of any type of " hold ''. I also checked my account on XX/XX/2018 and it verified my deposit with an available balance of {$17000.00}. On XX/XX/2018 I wrote a check for {$4700.00} to pay county property taxes. Then, without warning or notification, on XX/XX/XXXX, Bank of America placed a " hold '' on my check until XX/XX/2018. Now, I have been embarrassed with a returned check and will be charged a penalty fee by the county ; and to add insult to injury, charged a {$35.00} returned check fee by Bank of America. I called BOA customer service department XX/XX/XXXX and spoke to XXXX and her manager, XXXX to no avail. They told me that they or no one in their company could remove the hold. I know it doesn't take 10 days to verify clearance of a bank cashier 's check ; totally outrageous!
XXXX closed my account without telling me the reason. I have been with them for 6 years never missed a payment, always been on time. I went to use my card and they told me my account was close. I would like to know the reason
Experian has re-inserted deleted information back onto my credit report. I have tried to re-dispute this information off my report, however Experian will not re-investigate. The following accounts need to be removed as they previously were : 1. XXXX XXXX XXXX # XXXX Payment never late. 
2. XXXX  XXXX XXXX. # XXXX- Fraudulent Account 3. XXXX XXXX of XXXX # XXXX- Fraudulent account 4. XXXX XXXX   XXXX XXXX. # XXXX- Fraudulent account 5. XXXX XXXX XXXX. # XXXX- Fraudulent Account
XXXX has reported my account past due to credit reporting agencies and I have paid as agreed consistently. I have emailed them requesting a full accounting of all payment and interest and they have ignore my request and requested a payoff.
Received a letter from the lender indicating that my interest only loan will change. I called the lender and I was transfer to a loan officer who ran my credit and application with a wrong social security number. Loan officer fail to provide me disclosures within three business days. A week later follow up and find out that there were not loan in process. Loan officer confirmed that the loan was in progress and the rate was lock for a HARP 30years loan fixed at 4.375 %. Two weeks later he had to retake my application and I was not able to login to review disclosures. When the hard copies arrived I noticed that the social security was wrong. Two weeks later he change the terms without my consent.
Shell XXXX Co did not bill me in a timely manner for the XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX gas purchases. All my other bills were forwarded to me by the XXXX XXXX XXXX to my XXXX address ; the last legitimate charge of {$52.00} was paid on XXXX XXXX, XXXX and any other charges are late fees and not my doing.
On XX/XX/2017 National Credit Syst appeared on my credit report. They are attempting to collect a debt that I owed with XXXX XXXX XXXX, which I never owed anything. The amount is {$1500.00} and this is false as I never was told I owed anything. I have tried to contact XXXX XXXX XXXX a dozen times to gather information about this issue and I can not get a hold of management at all. I left messages to try to resolve this issue and they don't respond. After a month or so goes by this company National Credit Systems appears automatically on my credit report with no options to pay before it hits my credit report. I believe this is wrong of both companies to fail me and my spouse on the fees that I owe and don't understand. There were no kind of explanation to why this is owed. We completed the lease agreement and were free of any extra charges as the company could have possibly made up fees or hidden fees that we were not made aware of. This is hurting my credit and I need to be able to find a place to lease and or obtain a mortgage, but with this Company holding my credit down it has been hard to establish a home of my own.
On XX/XX/2017 One Main Financial placed an credit inquiry on my XXXX credit report. I have never applied with One Main Financial. I am requesting a copy of an authorization giving them permission to view my credit report with this agency or any other agency on XX/XX/2017.
I never received any written information about wage garnishment, so I was unable to response. The day my employer received the information I called and reached out to  USA Funds and they said they are n't able to help rehabilitate my loan or stop wage garnishments. They do not want to help and I ca n't afford these payments. I wo n't be able to pay my bills or rent for my family.
My husband and I had a mortgage with Wells Fargo Home Mortgage beginning XX/XX/XXXX the property was completely destroyed in Hurricane XXXX XX/XX/XXXX. Wells Fargo also received the proceeds from my insurance policy to repair the house. The home was foreclosed on XX/XX/XXXX or XX/XX/XXXX. My husband and I received a citation from The City of XXXX XXXX because the house is a blighted property so when I contacted The City of XXXX XXXX regarding the citation I was informed by The City XXXX XXXX XXXX that Wells Fargo never record the house as being foreclosed on and that my husband and I are still the legal owners of the house. I then contacted Wells Fargo Bank in regards to the mortgage Wells Fargo is stating that they have no record of the mortgage. I then hired a title company to sell the property. The title company then completed a title search on the mortgage it was found to have an open mortgage with Wells Fargo. I then reached out to Wells Fargo again asking for the pay off quote or the release of the lien and Wells Fargo still insist that there is no documentation for the mortgage. My husband and I have been going through this for the past 10 yrs with Wells Fargo concerning this mortgage. We have been fined by the City of XXXX XXXX because of the condition of the property, XXXX, and Werlls Fargo is still refusing to assist us stating that they have no documentation for the mortgage.
I contacted XXXX XXXX XXXX on : XX/XX/XXXX about a unauthorized inquiry on my report dated for XX/XX/XXXX ... I was informed after providing my name that XXXX  XXXX XXXX was unable to provide information about the inquiry or any form of application for credit to prove consent.
This has been somewhat involved so hopefully I have got this all accurate and complete. I was offered a credit card from Bank of America ( BA ). I received this card about a year ago. I used it for a few months and there ended up being a problem that BA could not seem to fix. Not too long ago they sent me a letter stating that they have closed this account. They say " This action was taken because of the following reasons : '' That list says " This account has been inactive '' and " Derogatory public record or collection filed '' The reason it has been inactive is because they put some kind of stop on it and they could never get that straightened out. ( Separate issue and involves real incompetence of some kind ). I have called BA and tried more than once to find out exactly what is the specifics to the second reason : " Derogatory public record or collection filed ''. BA is the one who has closed this account and they would be the only one I know that would know why specifically they closed it. What is it about this " record '' that they have closed my account? I can get a copy of this record, but that wo n't tell me why BA closed it, I want their specific reason. I may want to do a dispute of this closing as I am concerned that now my record may show that I had not only a credit card account closed by the issuer, but for some kind of derogatory reason. 

I have called and since they could n't seem to answer my question I asked to be put in touch with the department and someone who could answer my questions. I believe that they told me they would contact me. I have never had any answer to this. I know this is more of some kind of policy that they can have, but there is no way to email or message them. I want to ask for a specific number and hours to call about this. Instead all I could do there is to use facebook! Can you imagine this is how they do some of their customer service? What a pathetic joke. I asked about my problem there. Quick reply but it was just another generic number, the kind that once again got me to no one who could help. I messaged again on childrens facebook and re explained what I need and was told they would be checking into it for me. Well up to 5 days now and no reply. So I just messaged again and told them they would be hearing from the CFPB as I am not going to keep burning up time trying to get a couple simple questions answered. 

These banks should be put out of business as far as I am concerned or at the least break them up into much smaller banks so we can get some kind of accountability to the customers. I know there are a lot of things that can be company policy and are allowed along with no one having to do business with them. But in this case I think I am due answers especially with the ramifications to me.
I have disputed incorrectinformationon my credit file from XXXX XXXX XXXX. this company is reporting an account that I 'm not aware of from XXXX which is claimed to have been openedby my ex wife. It is being reportedon my file as a duplicate account. I disputed with the creditor as well as the credit bureaus but has failed be removed. Because I have n't heard fromXXXX XXXX XXXX and it 's been over XXXX days I disputed with CFPB whom response was that XXXX XXXX XXXX did NOT respond to them as well. Now I have decided to add in the credit bureau to get my file corrected
I had the account with Navient, suddenly my account information ( name on the account ) was changed. I realized it when I got the documentation for filing taxes. I called Navient right away and they confirmed their mistake and assure me that it would be corrected before the tax day. As of today the information had not been corrected and now they are requiring a copy of my social security card. I refuse to send a copy of my card, now even more than ever after they made the mistakes of identities and placing me under a higher ID theft risk.
On XXXX/XXXX/17 I was notified of a hacking on Equifax 's database. Through their fraud checking website I was made aware that my personal information, including social security card, name, and birthday, may have been compromised in this hack. 

On top of this, after checking with equifax about the chances of your information being compromised, they offer a year of protection for free but in the terms of service it says you waive your ability to file a lawsuit.
I wanted to purchase something with my Sears/Citi Bank Master card, so I took my card out and I noticed the the card had went past the expiration date which ended on XXXX/XXXX/XXXX. I did n't receive my new card so I called Sears to see if they sent me another card to replace the old one. At first they said that the card had been returned and they would send me another one. After placing me on hold many times they finally came back and said that my account was being closed because I had n't used my card in XXXX months. I currently have a balance over {$2000.00}, I have been making my payments on time and I have n't missed any payments. I opened this account back in XXXX and I have never had any issues with this account in the past XXXX years. Then I finally talk to a supervisor and she tells me that the last time I used the card was on XXXX/XXXX/XXXX and that if the card is not used in a twelve month period the account would be closed. I spoke to them on XXXX/XXXX/XXXX and I reminded the supervisor that I had XXXX more days to go before the year was up. She said that it did n't matter and that my account would be closed anyway. I 'm sure I 'm not the only one who has been caught in this situation and that it may be a nation wide problem. Like I said before, My account has been open for more than XXXX years and I 'm just stunned by the treatment that I received from this company. It 's all most like my XXXX years do n't mean anything to them. I have fought to keep a good credit record and to pay my bills even through the great recession. After all of my hard work to keep my XXXX credit score, I find out that it does n't matter. I almost want to file bankruptcy so I do n't has to pay any of them back. I 'm asking you to help me to fix this situation. 

Thank you
I was dismayed when I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2018 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
In XX/XX/2018 I started to get repeated phone calls in such a short period of time from the same number registered out of XXXX, Minnesota. Many times, the calls would total 4 in a 15 minute period. I figured it was a telemarketer. Throughout the month and into XX/XX/XXXX, the same pattern every other day. Soon after, the messages where asking to call back the number and ask for XXXX XXXX ( aliases ). Last week, I return to my office from lunch and there are repeated messages from the operator via the messaging center alerting me that a XXXX XXXX is attempting to call you and has called several times, " please advise ''. I call the number left and asked who are you and why do you keep calling. He stated " I will ask the questions and let 's start by your last four of social security. I said don't ever call here again. He laughed and said " grow up ''. He then hung up and called back.
Ditech Loan C o.   Account #  XXXX  Account has been set up for autopay of {$140.00} from my checking account for several years.     On  XXXX / XXXX / 17  ditech debited {$670.00}, the final balance with no notice, even though I spoke to a representative from their company the previous month regarding wording on my bill that says that this is " mortage payoff ''. This loan is not connected to any property I ever owned, even though it shows my old address as " property address '' on the bill.     The attached bill from  XXXX / XXXX / 17 , which I received on  XXXX / XXXX / 17 , does not indicate any payoff intention or additional debits to my account.
I have disputed two accounts reporting negatively on my credit report. XXXX XXXX XXXX ( {$250.00} ) as well as XXXX XXXX XXXX XXXX {$180.00} ). I have disputed account with XXXX XXXX XXXX with  company as well as credit reporting agency Equifax and have yet to receive copy of investigation. Account was not verified and it took longer than 30 day requirement. I also submitted letter to XXXX XXXX XXXX whos is not licensed to collect debt in state of Florida. No response in 30 day time frame and account was not verified. I have submitted multiple disputes and no verification. Equifax has since had a breach of my information.
I used American Express ( AMEX ) membership rewards to make a purchase with XXXX on XXXX. Immediately after placing the order I cancelled it. The points were still debited from my AMEX card account. XXXX did not debit the points, and AMEX won't refund the points because they maintain that XXXX has them. I've been trying to get the points reinstated to my account. The estimated value of this transaction is more than {$900.00}. I've been calling AMEX and XXXX repeatedly and continuously getting the " run - around '' where each entity is pointing the finger at the other, meanwhile I am out this money.
I recently contacted Carrington Morgage Services Located at XXXX. XXXX XXXX XXXX, AZ XXXX and they are refusing to remove my PMI insurance from my account. Our Property appriasals from the XXXX XXXX show our home has increased dramtically in value to {$140000.00}. Our loan amount at this time with Carrington Mortgage is {$100000.00}. Loan to Value is enough for us to have this removed. I have already faxed them a formal request to remove this and they are refusing. They refuse to ackknowledge that my home is worth what XXXX XXXX is showing. I even faxed them proof of appriasal
The automated system is corrupt and customer service wo n't help. Each person with AES that I talk to has a different story. I checked my credit report and clearly they 're ruining my credit while assuring me that everything is fine and dandy. I honestly just wish AES staff would do what they say, hours on the phone and still no where with these people. How can they even be allowed to lend? I XXXX this is a nightmare, I do n't have these problems with my other loans, not one problem. I just paid one off in full, I never had to contact them! Seriously, what 's going on AES? I 'm ready to start writing congress and contacting the media.
The employees at Experian is selling and exchanging unverified information in my credit file.They owe me a legal and lawful fiduciary duty.They are refusing to honor my Identity Theft Affidavit omb # XXXX, blocking request, and Identity Theft Report filed with the US Postal Inspection Service.They are reporting a bankruptcy and refused to substantiate the bankruptcy by oath or affidavit.Federal Trade Commission ID Theft Affidavit does not have an OMB Number issued by the director in accordance with the act.The employees at Experian should already have a copy of the paperwork on file already before they reported the bankruptcy, otherwise someone could mail fax or email in a fraudulent account.They continually send me form letters violating my civil rights ignoring my requests over and over again violating the Fair Credit Reporting Act.This account is inaccurate because it has not been verified.
My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX
Last year, during the end of XXXX XXXX, I was scammed for an apartment sublet. The individual sent a check which PNC deposited into my account as spendable money by the next day. The individual did overpay me, and thus asked for a small amount back. I sent this through XXXX XXXX as a money order. Roughly six or seven days after the check was deposited, it bounced due to being a fake check. This overdrew my account. I worked with PNC to deposit money in order to get the account back to XXXX. During this time, I also filed a PA State Police report on the individual who sent the fake check, as well as reporting and receiving case numbers from both XXXX XXXX and the Federal Trade Commission. The account was set to XXXX and then closed. 

On XXXX/XXXX/XXXX, I attempted to open an account at a XXXX XXXX XXXX. However, after running my XXXX report, they declined me due to PNC closing my personal checking account under the category " Suspected Fraud Activity. '' PNC also claims in the report that " Any amounts owed have been paid. '' After finding out this information, I called PNC, and was redirected to multiple apartments, which then informed me that I owe for the XXXX XXXX transaction for XXXX that was made after my account was closed. This was due to them revoking a provisional credit given to me after I was scammed for that money. 

Not only does PNC claim I owe them money, while also attempting to " settle '' the amount, no one is able to provide a clear reason as to why the account was closed under that category and if the closure reason would be removed after I paid this " debt '' they claim I owe.