WillisBack/dataset-financial-user-claim huggingface dataset:
CREATIVE MATH! 

I have promotional and non-promotional balances with my XXXX XXXX card. I call in each month to clarify HOW MUCH I NEED TO PAY - so I do NOT pay interest the following month. And if needed I pay off my promotional balances that are coming due. 

Once again last month, it appears as though the bank is CREDITING my promotional balance with my payment as requested, then RE-CHARGING it to my account as non promotional resulting in my having a balance subject to interest charges. 

Every month my account seems to have more " adjustments '' ( both debits & credits ) than it does actual transactions with which I am buying product or making payments.
i did applied for a loans XXXX XXXX XX/XX/XXXX, The XXXX report was seriously delinquent.credits obligations unpaid. I had called XXXX and they toll me that there is an open unpaid account ; Reference # XXXX Creditor XXXX XXXX XXXX. Date XX/XX/XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. This is not my adress.I had never live in the XXXX. XXXX  advised me to call the collecting agent XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX, TE.  XXXX e-mail XXXX They told me that if i paid they will removed the delinquency report, I did explain to then that the debtor is not me, that is noit my account but i did paid and trhe satisfaction was in full. XXXX notified XXXX, XXXX investigated and the y found the account is fraud.They promess me to removed the delinquency report, More than 40 days they did not remove.Last week i did applied again to city bank and still they repor Delinquency Please help me
I have no idea why I have a XXXX debt. I can not find where to contact them to dispute the claim. Can you please help?
I have two typical credit cards from Capital One and they are both showing a past due payment mark for XX/XX/2017 on the credit agencies reports. 
All other payments have been on time and I have no recollection of any being made late. 
I believe these were reported in error as all other accounts I own were also paid on time that same month, and every month. 
I reached out to Capital One by phone, they were not helpful, I was on the phone for about 45 minutes, put on hold several times, but the customer service rep eventually agreed to file a dispute for each, but then explained that it could basically take months before they will reply. Never asking me for any other account information, etc., I'm not sure this will be resolved by them, not even sure if the disputes were actually filed, so I am asking for assistance. 

Thank you.
I 'm trying to buy a HUD foreclosure property. The bank do a background credit check and found the debt amount of {$22000.00} to the IRS. They told me and I said them that account is n't mine. So, I decided to call XXXX to report the problem and I went to their office in XXXX, PR too. Then call and go to the IRS office and do all the steps they said I have to go and I do it. I go to the IRS office in XXXX, PR too. First, I report the problem to XXXX XXXX because in my credit information report they are the XXXX who are referring the issue to the credit. I do the report # XXXX by telephone on XX/XX/XXXX. XXXX XXXX said I do n't have any issue on my credit information but I request my credit information anyways and the debt appear on credit information. I call again to XXXX XXXX and notify the issue twice. I said I have a Letter on a second name XXXX. And I never had a second name, and I never been at Georgia where are the tax information on my credit information. Then I do a second reclamation on XX/XX/XXXX at XXXX XXXX. And they only eliminate the letter XXXX on the second name and send me the credit score again with the same problem. Then I called to the IRS and do the request. They request some papers I download sign and send the information by fax on XX/XX/XXXX. Later we call a lot of times by phone, but we decide to get an appointment and go personally there. We went to the appointment in XXXX IRS offices on XX/XX/XXXX at XXXX. They said sent a letter that is on the way but the letter never land at my hands. Then I go personally to XXXX and social securities office in XXXX at XXXX and the person who attend us give us an appointment to XX/XX/XXXX, to go there with all the required information. But for me Is too far because I 'm trying to buy a house. On the same day XX/XX/XXXX I do a report on the police station too. Today I do another claim on the FTC report # XXXX. Please help me to solve this issue. That debt Is n't mine at the social security they said the person are using my identity from XX/XX/XXXX and I submit evidence to the IRS I have been XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I 'm tired from this situation and I will lose the opportunity of buy my house for this problem.
I have a fraud alert on my credit report with XXXX, XXXX, Equifax the reporting agency suppose to contact me before credit is extended in my name however Im a victim of identity thief and as I was checking my credit report I notice a lot of inquiries that was on all 3 credit agencies without my authorization I feel as if those inquiries should be remove it was done without my consent
Someone called me up and told me I had a debt. They wanted me to go to their office and make payment arrangements. I asked for an invoice or a bill and they stated they would give me somthing in writing after I paid the bill. I told them the law requires that I receive something in writing regarding this debt within 5 days of intil contact. They sent me something in writing stating that I had 5 days to pay the debt in full. I do not believe this is right. Am I not allowed at least 30 days to refute and/or accept the debt once I receive written notification?
I am filing a complaint against Transunion due to an account listed as XXXX XXXX was reported as closed and removed from my Transunion credit report on XX/XX/2018 and now it is being reported as open on XX/XX/2018. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( iii ) you are required to notify me of the reinsertion in writing within 5 business days. 

I received no such notification. This is a very serious violation of the FCRA. 
I am requesting for this account to be removed from all 3 of my credit reports immediately.
My private student loan was placed in default when I filed for bankruptcy in 2012. After it was placed in default, it was charged off. I recently reviewed my credit report because my score was decreasing and I discovered that the private student loan has current activity and is reporting that it is passed due. If the private student loan was charged off the creditor can not start reporting current collection activity. This private loan should remain in charge off status and not revert to past due.
Hi - My name is XXXX and I opened a Checking Account with Chase ( at the XXXX branch in downtown XXXX ) on XX/XX/2017. I was told by the banker that I could be approved for a credit card and hence agreed to apply for their Chase Freedom card the same day. The following week, I received a letter from the bank asking for my SSN card as well as photo ID proof to process the application for following which I submitted my documents at the Chase branch at XXXX in downtown XXXX on XX/XX/XXXX. I was assured by the banker at this branch that no other steps were needed for my application and I should expect the card in my mail soon. However weeks had passed and the only letter I received was one acknowledging the receipt of my SSN and that no other steps were needed for my application ( dated XX/XX/2017 ). Having not heard anything for a month, when I called the helpline numbers of Chase, they deny having received my documentation and tell me that I need to reapply, which would require another hard pull on my credit score. 
Had I not qualified, I would understand a rejection of my credit card application but having promptly provided them with all the information I had been asked for, I feel that I have not been treated fairly by Chase. There has been no communication and a lack of care and transparency from their end. 
I request you to look into the matter and take the required action. 

Thanks, XXXX
My mortgage loan was taken over by Carrington Mortgage Services from XXXX on or about XX/XX/2015. After multiple failed attempts to use there website I completed a payment transaction on XX/XX/2015 which is noted on my bank statement and accounted for on XX/XX/2015. From XX/XX/2015 my statement shows available balance to cover the payment. 

Recently I received a notice from Carrington that I owe a service charge of {$25.00} for a insufficient funds charge dating back to XX/XX/XXXX. I contacted them and they requested I submit documents proving I do n't owe the charge. 

I 'd suggest this is fraud. They obviously have a flaw, intentional or incompetent in attempting to bully me into proving I do n't owe something. 

I 've submitted my bank statement, their document mailed to me along with there website payment history for my account. 

Respectfully submitted, XXXX XXXX XXXX
I have requested for Transunion to provide me on how they verified the information on my report. These are not my accounts. I asked the following : " Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Do n't provide the generic response of how you use various methods. Please tell me exactly how you verified them and include the full name of the person you spoke with. '' Yet, they sent me a very generic response. They are not responsible with handling customer disputes and verifying account info.
This company, XXXX XXXX, has exhibited numerous underhanded and predatory tactics in the short time I have dealt with them. My loan was transferred to them from XXXX in XXXX of 2017. XXXX was fine by the way. In the short time that I have dealt with Heartland it has been a nightmare. They provide zero information regarding interest on your loans first of all and don't allow you to pay off your interest right away. But more importantly, I had signed up for email notices regarding my payments being due ( I don't remember exactly when as I have no log ) and got nothing back when one of  my payments was due back in XXXX. Of course, I ended up with a late fee. So I spoke with a representative about it and the fact that I had never gotten an email reminder. She stated that although I had signed up for email, it was too late before the due date to send out an email but the next time it would. This was back in XXXX, and the only proof I have is a test email she sent on XX/XX/XXXX to make sure I was receiving their emails. Well now it is XXXX and I have another payment due and again received no email reminder. So I am talking to a Customer Rep and he said the exact same thing " I see you signed up XX/XX/XXXX which is after your bill generated which means you would not receive an email until your next cycle. '' This is a straight up lie! And I told him this as well as told him of my past conversation. I have no doubt that this will continue to happen so that I and many other indebted graduates just like me will get charged late payment fees because XXXX is being deceitful and shady!
XXXX is reporting that our forclosure happend in XX/XX/XXXX, when in fact it took place in XX/XX/XXXX. It was then resold in XX/XX/XXXX but they are reporting false information. There are public document on the property at XXXX XXXX XXXX XXXX XXXX XXXX, AZ.
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX reporting we owe money.. ruining our credit ... all was included in bk in 2009
XXXX XXXX, which is a collection agency, began reporting a new open delinquency to XXXX on XX/XX/XXXX. They list the original creditor as XXXX XXXX XXXX XXXX. I had to research to find out that XXXX XXXX is parent company to a payday loan service in Ohio. I may have had business dealings with a payday loan service in Ohio no later than summer of XX/XX/XXXX, but am unsure. I certainly did not open an account in XX/XX/XXXX, stop paying a balance, or admit to owing any such balance. I have several times disputed the reporting of XXXX XXXX, which continues to get me nowhere. Now I am having difficulty getting a mortgage because of this, as it factors into my DTI at 5 % monthly payment of the balance of the reported debt.
I was Leasing a house with XXXX other roommates. Vacated the property on XXXX XXXX - started receiving letters months later from Hunter Warfield that I owed in excess of {$3600.00} after my {$1000.00} security deposit was applied. I never received written notice from landlord stating my rights as a tenant to contest charges. I have repeatedly asked for invoices as to the damage and have been hung up on, harassed when I am working and am badgered with lawsuits, being told I have to get an attorney and that my credit will be wrecked if I do not pay. No one is willing to verify that this debt is accurate and when asked for copies of invoices I am told to get an attorney. I am a XXXX year old XXXX XXXX student supporting my way and do not have the luxury of an attorney. XXXX Statutes mandate that I am to be sent a written letter explaining the charges, the reasoning my security deposit is held and my rights to dispute and I have never received anything like that. I am told that they have photo 's, but I have photo 's date and time stamped as well proving many of the charges were falsified. I was told also that the leasing company is too big to provide the invoices so I should get an attorney just to verify that these charges are accurate. The charges were reported the day I vacated the property - how a house can have drywall, painting, cleaning all in the same day I moved out is ridiculous. The removal of items that they are claiming as well charging me for, are in my friends garage so obviously the leasing company went to our house prior to our move out. These charges make no sense, I was never officially notified by the leasing company and the debt collectors Hunter Warfield have no proof that the debt is even accurate but are putting on my credit report. The only proof of any letter sent by leasing company was to my former roommate. There is nothing showing my name. 

This is the email sent when I requested invoices " XXXX, Your lawyer can request invoices, not you I can share the pictures of the damage you were charged for as I did with XXXX. You must dispute the charges with a lawyer. 
They are not that easy to get, this is the XXXX largest XXXX single family home company in the XXXX and all is in XXXX through XXXX. Just dispute with a lawyer and have him request. '' This does not seem fair or legal to just put blanket charges on an invoice and give to collection agency.
I have been writing letters and I haven't gotten any resolve. I have sent 4 validation letters on these dates ; XXXX. I have not gotten any paper work that states I owe them anything. The original bill was from XXXX XXXX, and all they sent me was a copy of a bill. I have asked them for a signed contract and they have yet to furnish me with anything. The amount that they say I owe is {$400.00}.
I booked a vacation with XXXX through a program called Upromise. I did this because the program offered 5 % back from Upromise and 5 % additional back for using the same branded Upromise Barclays MasterCard. The vacation took place XX/XX/XXXX. All I have received so far is 1 % back. I have asked Barclays Upromise about the issue and they have stated for six months " we are waiting for XXXX to respond. '' I have been patient and waited until this week to file this complaint. 

It appears to me the problem is we changed the reservation by cutting off a day. The XXXX representative over the phone instead cancelled the reservation and hung up once he realized the mistake. Subsequently we spoke with a supervisor on another call who was able to patch things up. This does n't change the fact we used the program and did not drop the ball, the representative did and we still paid with the card and stayed at the same place as we agreed originally. The reward offer did not specify a minimum dollar amount or certain days required to stay. We simply had to use XXXX and pay with the UPromise MasterCard. This is only a guess on my part, as the only thing I have been told is " we are waiting on XXXX to respond. '' I would like to get this resolved since I used these programs to book because of their offer. They have had ample time to sort this out. If I had used another card for the trip, I would long ago have received the reward, as I have several cards that have never once left me out in the cold like this.
All of the above listed items.I have XXXX to paypal over the past 12 mos to close my account and they autodrafted my checking acct at the time wo my consent randomly and willy nilly wo notice.This is wire fraud. When I confronted them repeatedly they kept throwing XXXX and automation in my face. I have served this company multiple times and they olny want to discuss in thier online email chat and over the phone-where a lawyer cant reach them.I have demanded they put responce in writing and they continue to throw mud in my face.THEY ARE NOT A BANK. They have no authority to EXTORT people for money, and yet they repeatedly do so. I have 5 pages of thier XXXX.I demanded account closure and here I am getting hit w extortion again. Ive notified XXXX XXXX and XXXX about the incident. paypal continues to autobill me and prevent me from using XXXX. This one-sided extortionist company needs to be put to bed. Consumers need options instead of corporate conglomerates. XXXX, XXXX, etc. are available and XXXX as well should allow customers to use them. THEY DO NOT. EVERYTHING GOES THRU PAYPAL.
I ask that Source Receivables Management # XXXX interact further with me in writing, instead of via other methods, consonant with my rights explicated within the FDCPA and other relevant statutes. I authorize you to contact me about this debt, but solely via printed letter, to me at my home address as all other methods in any other way, place, or time are inconvenient to me. Should you be unable to comply with this reasonable request, this may indicate Source Receivables Management violation of the FDCPA and/or other federal statutes. Furthermore, please show detailed verification for consumer materials forwarded to consumer reporting agencies for me, XXXX XXXX, with regard to the stated account number # XXXX. Since it is possible that reporting problems may exist with respect to what you reported, I hereby request that you transmit this verification within a month of receipt of this request. Moreover please assert that collection behavior has been facilitated in accordance with applicable federal and state consumer protections. I want more than only an overview lacking depth. Instead I must ask for a detailed audit. 
If you can not establish such documentary record within a reasonable time frame, account compilations given by Source Receivables Management to my credit bureau should not be considered true and may evince a violation of the FDCPA, FCRA, and/or other federal statutes. In that circumstance, delete such bureau items shortly. 
I appreciate your assistance with this circumstance.
I have had a Sears Credit card for over 2 years. On XX/XX/XXXX Sears ( Citibank ) reported me 30 days late to all 3 credit bureaus. I have not missed a single payment and recently ( XX/XX/XXXX ) sent dispute letters to all credit bureaus challenging the 30 day late payment. The Credit bureaus did not update the late payment from my report instead they updated my Sears account as closed and recommended that I reach out to sears for further disputing. I have not received any proof that I was 30 days late. I subsequently sent a " Request a goodwill removal of a negative on this account '' Action to SEARS CARD SERVICES - BILLING on XX/XX/XXXX. I received the following attached document from Sears which was not helpful. Furthermore, Sears closed my credit account without my approval and knowledge. I had a XXXX credit balance and by closing my credit card I lost all the benefits to my credit history and available credit which also negatively affected my credit report.
My bank account is overdrawn currently my checking and savings accounts. It has been overdrawn since last Friday XX/XX/2018, I signed up for over draft protection only to find out that the bank has two separate overdrawn protection features I found this out today on XX/XX/2018, the first one is the debit card and the other one is the account.i have never herd of this and when I went into the bank that was never  explained to me at all, so I get hit with XXXX dollar fees all the time then to find, then I was told that even if I have over draft protection that if anything hits my account and the account is empty then I will still get hit with XXXX dollar fees. This bank doesn't work with it's customers especially those whom are poor and are on a budget, I can not close the account until I pay off what I owe them.they make a lot of money off of me since I have opened an account with them and I have been dissatisfied with them since becoming a member. I have bank with other Banks before and they offered some type of help and other ways to keep me financially sound but this Bank offers no leniency Little to no education as the how they run things and something needs to be done about this because every time I turn around there is a fee for everything doesn't my money matter? I may not have a lot of it but I have enough to keep me afloat, and if this bank is legally able to operate this way I need to see everything in writing that was they have not provided me with that all.
Since XX/XX/2017, our mortgage was sold to Selene Finance.  Since XXXX we have constant issues to the point that we have lost sleep, stress, had major anxiety issues, and had to hire an attorney because we received 2 letters of default even though we have been paying the mortgage. The Customer service department at selene Finance has told us repeatedly we could have our mortgage money deposited into an account that would be applied to our mortgage ( they never check on it ). After hiring an attorney and the company taking out all of our escrow account money even going into the negative balance we still can't resolve all our issues. 
1. We found out we have been overpaying our mortgage 2. They charged us more money for taxes than what the city statement says 3. Our escrow is not where it should be, money is missing. No one at the company has contacted me to tell me anything in regards to why.

4. They have charged me late fees and i've constantly wrote the dispute department to get this resolved as the customer service department recommended ( With XXXX ). 
I want to know where my overpaid money is? where is my missing escrow money? why will the late fee not go away when Selene is the issue?

I have never been late on mortgage till this company and I'm doing everything in my power to fix my issue and I want to do everything I can to keep others from having the same problem. Selene Finance fails to communicate, customers can not reach the departments that manage the issue going on and the departments within the company don't talk to each other.
My most recent Wells Fargo bank statement includes a generic statement : " We can close your account at any time... We may but are not required to allow you to leave on deposit sufficient funds to cover outstanding items to be paid from your account '' There are no reasons given as to why my account may be closed at any time. This statement probably appears on all Wells Fargo statements, but is not backed up by any documentation. The irony is that in a previous paragraph, it reads : " Thank you for being a loyal Wells Fargo customer We value your trust in our company... '' My question is : How can a federally regulated bank get away with making what to me is a harassing statement without backing it up by documentation?