WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I filed my third complaint with all three credit reporting agencies about my account with XXXX XXXX XXXX. XXXX XXXX XXXX will not give me proof why they are showing that I was late for the last three months on the account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for XXXX agencies and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for XXXX of the reporting agencies. XXXX XXXX XXXX also failed to show proof to the credit agencies about the late payments. XXXX removed the payment history, however, the other XXXX agencies have not. I disputed because it is negatively affecting me and I want the 30, 60 and 90 day late payment status removed. XXXX was contacted prior to me filing this complaint and they removed the previous complaint from off line and started a new complaint. I could not access the my dispute report for Experian because they asked for an investigation ID #, but there is no investigation ID # on the mailed report. It asked me to call the number on the report, but no phone number for Experian is listed in the report that was sent to me, and no phone number is listed on the website. I tried to request online, but did not get any help.
To Whom It May Concern : I am concerned about the current amount of my student loan payments. I have XXXX distinct sets of students, XXXX from private providers ( XXXX and Discover ) and XXXX consolidated batch from the US Dept of Education. Here 's the breakdown : Monthly PaymentsCitibank : $ XXXXXXXXDiscover : $ XXXXXXXXUS Dept of Education XXXX : $ XXXXXXXXTotal : {$1300.00} ( monthly ) Total Loan DebtXXXX Sub Consolidation Loan : $ XXXX Unsub Consolidation Loan : $ XXXXXXXXDiscover : $ XXXX : $ XXXXXXXXTOTAL LOAN DEBT : $ XXXXXXXXI earn approximately {$XXXX} per month at my full-time job. This means that I am currently utilizing nearly 30 % of my monthly income on student loan repayment. This is an incredible burden that I will not be able to sustain for long. I work at a XXXX, so I hope to take advantage of the Public Service Loan Forgiveness Program. That said, I need relief in the near term to even be able to afford regular monthly payments. Please advise. 

Thank you, XXXX XXXX
We wrote and mailed our mortgage payment on XX/XX/XXXX. The company did not process the check until XX/XX/XXXX and charged us a late fee. I tried to get this reversed but they refused. I have been making various mortgage payments since XX/XX/XXXX with no late pays on my record. Now I have one and am being charged {$78.00} if late fees and I have a late on my record.

Thank you
I had an original student loan amount for about {$34000.00} as of XX/XX/XXXX. My payments have ranged from {$360.00} to ~ {$330.00} a month for the past 16 years. I 've asked my loan servicing company for the formula they use to calculate repayment amount and period and they defray the question. My loan has been serviced by XXXX, XXXX, and now, NAVIENT. According to my calculations, using the lowest payment of {$330.00} x 192 months = the result is {$64000.00}. Therefore, according my calculations even with deferements and a forebearance, the original debt of {$34000.00} should be paid up by now with a profit to the loan servicing company of {$30000.00}. Please help! 

Additionally, I have another student loan with an original principal of {$16000.00} which I have been paying off since XX/XX/XXXX at the rate of {$180.00} per month. Hence, {$180.00} x 96 months = the result is {$18000.00}. So once again, according to my calculations that debt should be paid up as well. 
I believe, that the loan servicing practices are fraudulent ; I believe they have reset the loan repayment periods every time the loans transferred from one servicing company to the next. They have also imposed deferements ( which adds interest to the principal ) without my consent even after I 've told them not to and to continue drafting payment from my checking account while in school. 
Please help!!!!! 
XXXX
Because of past overdrafts to my personal checking account a hold was placed on my last deposit. of a check totaling {$1300.00}. I was thinking okay a day or two. I was then informed that the hold will not be lifted for 10 business days. I explained to the bak customer service personnel that that seems very unreasonable i have business that I have to be able to take care of as well as children in my home I can not go two weeks with no money available to me. The amount of the overdraft was {$70.00} with a bank charge of {$35.00} so how is it that the bank is allowed to access the deposit to cover the over draft along with their fee and then deny me access to cleared funds in order to live? I do not have a outstanding debt with this bank and do feel that this unreasonable.
XXXX / XXXX / XXXX    XXXX   via  XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Dear  XXXX  via  XXXX  : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of m y Trans Union cr edit report,, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date :  XXXX ,  XXXX  If you can not provide such documentation, you are obligated to remove the offending inquiry at once.   Sincerely yours,  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Dear  XXXX    XXXX   XXXX   XXXX   : Why does your hard inquiry (  XXXX ,  XXXX  ) appear on my  Trans Union credit report (   XXXX  )? Are n't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act?   Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now.   Sincerely,  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX  via  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  Dear  XXXX   XXXX   XXXX  via  XXXX   XXXX  : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of  my Trans Union credit report, pursuant to the permissible  purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date :  XXXX ,  XXXX  If you can not provide such documentation, you are obligated to remove the offending inquiry at once.   Sincerely yours,
Remittance Institution : Transfast.com Destination Country : XXXX   Transfast Transaction ID # XXXX Transaction Date : XX/XX/2017 Money not received in recipients account. 

Upon multiple follow-ups with Transfast they finally agreed that money is with partner in XXXX and mentioned that funds will be refinded back to my account. 

IT has been more than 4 months now and I have not received funds back to my account. Please help -- -- -- -- -- -- -- This is last conversation with Transfast Hi XXXX, Thank you for contacting Transfast.com. 
This is in regard to your transaction XXXX. We apologize for the inconvenience. We already made a follow up regarding refund status. Once we receive any update we will send you an email. 
This conversation will be closed as your inquiry have been answered. 
If you believe your concern was not resolved simply reply to this email. 
For a separate issue kindly send us a separate email at XXXX. You may also contact us via chat or call our toll free number. 
Regards, Customer Support | eCommerce TRANSFAST Tel : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Try our mobile app available in XXXX and XXXX -- -- -- -- -- -- -- -- -- -- Thanks XXXX XXXX XXXX XXXX
The borrower 's name is XXXX XXXX ( maiden name ). Her former name, while married, was XXXX XXXX. On XXXX XXXX, XXXX, we submitted an RMA and Request for Modification with all supporting financial documents to Suntrust, her mortgagee. Suntrust processes her modification through XXXX of XXXX at which point they advised that the loan modification was being denied. The reason for the denial was that the borrower showed excessive mortgage obligations on her credit report. When we had the borrower pull all XXXX credit reports, the only mortgage showing was this one to Suntrust. When we explained to the specialist/negotiator that we had pulled her credit reports and there was no other mortgage under her social security number, they refused to listen to us. THis is the borrower 's primary residence and therefore, we were at a stalemate. Borrower decided to appeal Suntrust 's denial since it was incorrect, and we provided Non-ID Affidavits whereby borrower signed under oath that she had no other mortgages. We even provided her credit reports to Suntrust to evidence only one mortgage to Suntrust. Suntrust took a few more months, processed the appeal and came back with the same decision, denying her modification based solely on these grounds. Obviously, they are not running her credit report since that is tied to her social. But rather, going through public records where her sister in law ( her ex-husband 's sister 's name is also XXXX XXXX ) does have outstanding mortgages but none of which are tied to this borrower 's social security number and do not belong to this borrower ) We provided the credit reports to Suntrust to evidence our position and the lack of any other mortgage under this borrower. They again advised that they were going through her credit report and that her credit report showed more than one mortgage. The Lender also failed to do the following in order to perform the correct research regarding the false information they are stating are on her credit report. 1. Supplemental Credit Report and 2. The XXXX a repository of information that enables underwriters to find all sorts of information related to the borrowers. 
We feel that SunTrust did not respond to our above addressed concerns and are requesting that re-review to be submitted
I have incorrect information on my credit report. I went to dispute items that were incorrect again and experian will not let me do so. Message came up that i have already disputed these XXXX items and will not re-dispute the information. I tried to add a statement as XXXX item was a result of identity theft and again it would not allow me to add a personal statement. Now i need to spend my time on the phone again tomorrow to call experian and I want these items re-disputed. It 's not right that I have identity theft on my credit report which is affecting my credit score and they wo n't remove it. I also contacted the ceo of XXXX to complain as I was getting nowhere trying to contact XXXX XXXX customer service. There are also items reporting as potentially negative for a late payment. When in fact I have valid proof from the bank that these items ( XXXX ) should be reporting as accounts in good standing.
Citi bank sent me a new credit card without my permission, and that card was stolen and I was charged {$5000.00}. I asked Citi many times to cancel my card which they did not do, and Citi took money out of my checkings account to pay for these charges, and they are refusing to refund the money.
For the second year in a row, I am expected a $ XXXX escrow refund from Quicken Loans. Essentially, I am giving Quicken Loans an interest free loan. They do not pay interest on this money back to me. It is absurd that they do not adjust my escrow and instead keep what amounts to an extra mortgage payment for one year before providing me a refund.
I CONTACTED THE COMPANY XXXX XXXX XXXX ON XXXX XXXX XXXX REGARDING THE ACCOUNT INFORMATION BEING REPORTED ON MY CREDIT REPORT ALL THREE CREDIT BUREAUS HAVE SENT LETTERS SAYING THAT THE INFORMATION WAS VERIFIRED AND ACCURATE ACCORDING TO THE FCRA. I SPOKE WITH CUSTOMER SERVICE REGARDING ACCOUNT # XXXX AND WAS TOLD THAT THE ACCOUNT WAS PAID IN FULL BUT WAS CONSIDERED A CHARGE OFF BECAUSE IT WAS NOT PAID WITHIN THE AMOUNT OF TIME FOR THE CONTRACT. THIS HOWEVER IS INCORRECT INFORMATION IT REPORTS THAT THE CONTRACT STARTED ON XXXX/XXXX/XXXX. BUT IN THE CONTRACT IT IN FACT STATES THAT THE CONTRACT BEGAN ON XXXX/XXXX/XXXX. REPORTED TO THE CREDIT BUREAU IS AMOUNT OF XXXX BUT, IN SAID CONTRACT THE AMOUNT IS XXXX. THE COMPANY FAILED TO REPORT THAT THERE WAS A SWITCH IN VEHICLES AND DID NOT UPDATE THE CONTRACT TO REFLECT THE NEW VEHICLE OR THE NEW CONTRACT. ALL INFORMATION BEING REPORTED IS FOR A TOTALLY DIFFERENT VEHICLE IN WHICH I DID NOT OWN. HOW DID THE CRA NOT CATCH THIS INACCURATE REPORTING OF DETAILS? THERE WAS NOT A PROPER INVESTIGATION CONDUCTED OR IT WOULD HAVE BEEN CAUGHT.MY CR SHOWS A CHARGE OFF OF XXXX BUT THERE WAS A REFUND SENT AFTER THE END OF THE CONTRACT WITH XXXX XXXX.
Opened new checking account on XX/XX/XXXX, at which time institution was offering {$200.00} bonus for new accounts that were opened, had a {$300.00} direct deposit. Terms indicated that bonus would post within 60 days of account opening. However, 60 days has elapsed and no bonus has been given, although all terms have been met.
I was/am a Wells Fargo ( WF ) customer who was a victim of the scam/fraud that has been in the news lately. 

My story : I opened XXXX checking account and XXXX savings account with WF perhaps 10 years ago. However, about 3 years ago, a WF banker said I needed to open a second checking and second savings account. She gave no reason for this action, but opened XXXX anyway as I watched passively. I did not try to talk her out of this action because I was honestly confused as to what was going on. 

In late 2015, penalty charges were made to my account in the amount of {$30.00} per month for 4 consecutive months ( total {$120.00} ). When I called WF to question why the charges were made, the WF rep said, " Because your accounts are not properly linked. '' I had no idea what " linking '' meant and so complained vociferously about the charges saying this was a deceptive practice. The banker said, " You should have read the account agreement. '' I asked where I would find that agreement ; she said, " on-line. '' The banker finally said she would restore part of the charges and I said " no '' I wanted the full amount restored. I was livid. Finally she agreed and the entire {$120.00} was restored. It was restored, she said, because my account was large enough that they did not want to lose me as a customer. 

In the end, I did not lose money, but only because I spotted the charges and complained loudly to WF. And because I had a large balance with WF. Nevertheless, I would like to see my complaint go into the WF file. 

I conclusion, I have found WF to be deceptive about their business practices and continuously high-pressuring in their sales practices. It is impossible to do business with WF and not get a " full-court press '' sales pitch from them on their various products. It 's a terrible business model. They are the enemy, not the trustworthy banker you expect. 

Thank you.
Closed XXXX account in XXXX 2016 after paying them for over two years on time and with no late payments. Received verbal and written confirmation that the account was paid in full and closed. Received final statement with XXXX amount due shown as XXXX. Two months later, XXXX sent me a bill with fraudulent charges claiming I had n't paid ; even after the account was closed with a XXXX balance. I called their customer service to dispute and received a very unprofessional response stating that they would not remove the charges and threatening collections. XXXX sent the charges to a debt collector which are now impacting my credit and financing costs. This is clearly consumer abuse, lack of business responsibility and lack of respect for consumers. The current system we have in this country is very slow to react to improper credit report abuse via credit reporting agencies that sleep on unprofessional credit reporting by companies like XXXX and debt collectors like Focus Receivables.
I have contacted XXXX multiple times to see how I can repay back my loans because the payment was too high for me to afford with a low paying job. I offered to pay the interest for a few months until I can figure out how to repay them. I also paid {$500.00}, {$600.00} a month every month for quite some time. They refused to work with me. They refused to take into account the few hundred dollars I was sending them every month. And then I went into deferment, got a lawyer and now currently in the process of declaring bankruptcy, to buy me time to figure out how to pay these loans back. Today I received papers stating I am being sued by XXXX. I really dont know where to go from here.
Several dates of borrowing and a satisfactory transactions. They just not reporting to the credit bureaus. Cottonwood Aka The Cash Store
I am writing as a last ditch effort to gain some assistance and hopefully you will be receptive to my issue. I am in the process of purchasing my first home. I have a serious barrier that I am facing which are XXXX Paid/Release Georgia State Income Tax Liens on my credit report. When I first received these liens I was XXXX years old and going through a divorce which caused me to suffer financially as I was also attending XXXX school at XXXX XXXX at the time, while working full-time as well. Since then I have been working hard by myself to repair the damage this divorce caused me so that I can purchase my first home on my own. Georgia, unlike the IRS Fresh Start Program and several other state agencies, does not have a process for withdrawing paid state tax liens from individuals credit and will also not withdraw/expunge the paid tax liens based off goodwill. Rather, even though they are paid and uncontested, they remain punitive towards myself. Even though I am a first time home-buyer, due to my single status with no children and my income I am ineligible for any down payment assistance programs. So any help to improve my credit score is extremely appreciated so that I can qualify for a good mortgage program with my credit union and receive a good interest rate. I am writing in hopes that your office can help me along with other individuals who face this same issue. Georgia State Tax lien laws are very archaic in nature and really need to be reviewed. I have taken this up with several state agencies in Georgia along with my local representative who never responded to me. Paid tax liens should not continue to be punitive in nature as so many thing rely on credit these days and circumstances vary extensively. I thank you in advance for your time. Below I have provided the Book numbers for the tax liens I am referring to. Also attached showing they are reporting on all XXXX of the major credit bureaus and the paid and released tax liens. 

XXXX has already agreed to and completely removed these items from my credit report. 
XXXX XXXX
Eastern has not tried to provide real information on my credit reports. They use ready made answers to avoid having to actually verify a debt that their clients claim. Why is it that a Mortgage, car loan, bank loan, credit card, pay day loan or any other debt EXCEPT a false medical debt, includes two things : 1 ) A Contractual agreement. 2 ) A SIGNATURE. How is it? If the Consumer Finance Protection Agency will not help then perhaps the Texas Courts will. It is illegal to put false claims on ones credit, yet, Eastern has done it for their client. There is no proof of my being given the opportunity to challenge their false claims by notice as required by law. They only say so, no proof of service. They claim I owe money, yet they can not provide a contractual agreement or any other document save their invoice. Anyone can make up one of those. Thank goodness not many other crooks do this. Their placing this on my credit reports is just blackmail to get me to pay something I don't really owe. Texas law does not allow for any debt to be claimed or collected without a signed contract. Both parties must be signatories.
On XXXX XXXX XXXX we purchased a guitar from XXXX, paid for via Capital One credit Card. 
When the instrument arrived it was manufactured incorrectly and was broken. Attempts to get the supplier to replace were ignored so I advised Capital One to credit it. This was in XXXX XXXX. Since then Capital One just keep changing their rules, a sking for the same information over and over again. I have rung them about 20 times. 1 year later still no refund. Total amount is {$340.00} USD. I am sure Capital One has insurance but they wo n't deal with the refund. My most recent contact they again asked for a report on the damage they already have had twice. i am being deliberately strung along hoping I will go away and they never reply even though they say they will respond in 90 days, they never do.
Equifax is NOT reporting a 25-year-old Mortgage credit account with XXXX XXXX XXXX XXXX, Acct # XXXX ; Opened in 1993 to present ; original balance : {$93000.00} ; current balance {$33000.00} ; monthly payment {$690.00} ). After speaking to EQUIFAX, they claim they can not ADD this account unless XXXX XXXX  reports it ; However, after speaking with XXXX XXXX XXXX XXXX # XXXX ), they say that they report it every month. Somehow this account has been DELETED by XXXX or not being reported by XXXX XXXX XXXX XXXX. If the account was derogatory or in collections, it would be there. I would like this account ADDED back to my account.
I completed a balance transfer from   XXXX   XXXX   to Barclays when the payment was sent to Barclays the funds were applied to another account, after sending in a copy of the cancelled check both front and back and multiple calls to the credit card company this issue is yet to be resolved
XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
I have been a victim of identity theft going on 2 years now. I have a 7 year fraud alert on my account. Equifax has ran my information without first notifying me by mail, phone, or email.     This is not the first time I have reported Equifax for running my information for bot contacting me. Last time the rep had the audacity to tell me Well we do n't necessarily have to contact me even though I have a 7 year fraud alert. At this time I feel its better to just put the complaint in then call them.  <P/> Yet again I had to go to the police station today to file a Id theft report and go through this draining process of clearing my information up and removing all fraudulent information.  <P/> This is unacceptable.
Three failed separate ATM transactions occurred without my knowledge in the state of XXXX when I reside in XXXX XXXX State. My information was compromised although I had my debit card on my person the entire time. Bank of America decided to close my checking account without notice and a representative to speak about it with. I filed a claim and was told that I would be sent a new card once I received a new card in the mail I still had trouble activating it because my account was permanently placed on hold. This comes at inconvenient time because I had direct deposits from my job and I am past due on bills from the last week.