WillisBack/dataset-financial-user-claim huggingface dataset:
I recently refinanced my loans through XXXX XXXX. XXXX XXXX uses XXXX XXXX as the processor. XXXX XXXX disbursed my new loan to KeyBank, the holder of my student loans.

KeyBank   claims to have no knowledge of my disbursement from XXXX XXXX.

Both KeyBank and XXXX XXXX   use XXXX XXXX. XXXX  clearly shows the the disbursement was made.

I have been in contact with KeyBank, for hours at a time. The student loan call center is located in XXXX, XXXX. The staff has no ability to resolve my issue, and tell me that only one person -- XXXX XXXX, can fix my issue.

The call center will not provide me Mr. XXXX 's information ; nor will Mr. XXXX call me as requested.

This loan is still on my credit report. KeyBank has sent my co-signer seven letters. They are calling me for collections. They are reading me the collections mini-miranda.
This is the second complaint to this company related to this case ( refer to XXXX ). 

Complaint was made regarding payments not being applied to account resulting in fees and revoked card. M & T claims they need a letter to resolve case and apply credit back to account, however the other bank ( XXXX XXXX see complaint ID : XXXX ) has no record of M & T 's claim of trying to collect payment. Bank records have already been provided and account/routing numbers have been confirmed. Please see attached both banks responses to complaints, M & T is inconsistent with XXXX XXXX claim. 

M & T is asking for evidence that can not be provided as they did not request funds per XXXX XXXX   letter ( attached ), this is unethical and seems to be a method to skirt responsibility.
All inquires on report with XX/XX/XXXX.
Any inquires on report with inquiry XX/XX/XXXX. 
I have contacted the companies listed on my credit report. The companies deny any knowledge of the inquires that were performed. The companies stated that I should contact the credit reporting agency and notify them on inaccurate information. I did not notify XXXX but they stated that I would have to contact the companies directly. The information is not accurate.
My mother-in-law sent money from her account with XXXX through XXXX to my account with Bank of America that was never received. I used the phone number XXXX that was linked to my XXXX account and my Bank of America account. I received a message and a confirmation number to find the funds. The bank kept stalling telling us to wait. My mother-in-law filed a claim with her bank to retrieve the money. They gave her the transaction number and the name of the person 's account it went into. We took the information to the bank and they told us that they can't go into someone's account and get the money back even though we have proof of thwhere the money was suppose to go, transaction number, and confirmation number. It was a mistake made by the bank and we are not getting any help to get the money back. They keep referring me to her, telling her bank to file a complaint and we've already done that. The amount lost was {$410.00}.
My student loans were in an IBR program. I was not given the date when I would need to resubmit an application for the IBR program. I also did not receive any communication that a payment was due until my loans were close to defaulting. When i finally got approved for a new IBR program, i started getting emails about past due status and informing me tgat i could reply to tge email for a forbearance after i had already been approved for an IBR. I also got a letter in the mail for the first time stating that i was about to default on my loans. XXXX was also after i had just been approved for the IBR program. This resulted in receiving more than XXXX late payments on my credit report which I recently checked about two weeks ago.
On XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX, SD pulled a credit inquiry on me that I did not authorize.
This is a complaint about Suntrust. My car was totaled, other party was 100 % negligent, other party 's insurer, XXXX, paid fair market value and my insurer, XXXX, paid the difference to pay off car loan entirely. 
During this time, I received daily harassing phone calls, often before XXXX ET, from Suntrust 's collections department. Each and every time I assured them that the car was totalled and the entire payoff amount was already issued by XXXX and XXXX and provided account numbers supplied by those insurers. Suntrust demanded that I pay my monthly payment directly to them, offering to refund the difference when they processed those checks, and threatening to damage my credit if I did not pay immediately over the phone. On the last such call, Suntrust verified that they received payment and said the account was paid in full. Today I see that my credit report now shows a Delinquency for {$0.00}. I find this to be insulting and abusive treatment.
I received some information but not an actual signed agreement from this agency and I do not agree with the information sent in. Please help assist me.
I signed up for a credit report from Transunion on XX/XX/XXXX upon request of my landlord XXXX XXXX and was unknowingly opted into a XXXX $ credit screening service. I have been charged XXXX $ every month since and did not realize. Transunion did not spell out clearly that this would be an incurred monthly fee and I am seeking reimbursement for these fees.
my bank of America checking account was closed on XXXX XXXX XXXX due to a check for the amount of {$230.00}. this check was sent to me by a fraudulent company acting as a business looking to hire me to run business errands through via XXXX.
My mortgage was transferred to Chemical Bank 3 months ago. Every month the bank has assessed me a late fee. I 've made my payment on time however the bank is not applying the funds to my account for several days, causing the late fee. The bank has waived the late fee each time I 've phone in. I 'm frustrated that I have to take my personal time to call the bank for a mistake they are making.
How are you doing, and hope all i well. I had posted a comment before about PNC bank, and how they have not helped me with my disputes. They actually recently reversed a {$210.00} dispute, and now I am - {$930.00}. This is ridiculous for real, these banks do whatever they want to you and your account. They charged me {$7.00} up to {$92.00} for not having positive funds. Because of their judgements I have defaulted on student loans, late on rent, and just been hard with no funds. I reported that my debit card was compromised by my nephew, and he took all those funds out my account. I reported it to PNC, and cancelled my debit card for a new one. They later said after like 2 weeks that they could n't do anything for me, because my nephew knew my pin somehow. I understand that, but I never gave him my pin and he must of seen me withdrawing money and saw my pin digits. And I never thought in a XXXX years family would do this to me too, and I filled out a police report on the matter and nothing. This is very upsetting, because I live day to day and do n't make a lot of money. Its sad to see a huge bank not help you at all, or just make their own decisions on your matters. I do n't do claims or disputes for fun or a living. I actually think its embarrassing, and upsetting you have to call your bank for this, and when you do they do n't do anything for you, but if you owed them money you ca n't let them wait or make your own judgement on the matter. They sent me latters in the mail saying the transactions were just, and the atm film too. How does that even make sense? They are not just, because I reported them to the bank as fraud. It 's only like {$1000.00} not a {>= $1,000,000}, and that money was for my everyday survival. It 's sad to see a bank like this not help its customers the way they should, and I think these banks get away with anything they want too and that 's not fair to us the people that keep these banks running with our money.
Equifax deleted XXXX Accounts from my report : XXXX ( Unsecured Loan ) I NEVER disputed these items and would like to know why they were removed from my credit report.
Contacted XXXX XXXX XX/XX/XXXX about misinformed information in my file. Sent in my bankruptcy schedules and discharge paperwork. 

Contacted again onXX/XX/XXXX- spoke to XXXX at XXXX XXXX. They said it was fixed and the company needed to repull report. Company repulled my report- the issue wasnt resolved. 

Contacted againXX/XX/XXXX- they said that they needed a release date. Resent the information again asked for a supervisor- none available. 

Contcated again XX/XX/XXXX- confirmed receipt of info. 

Contcated again XX/XX/XXXX- they confirmed that the file had been updated. Advised to pull a new report. New report was not updated. Asked for a supervisor- none available. Left message. 

Contcated again on XX/XX/XXXX- again they confirmed the issue was resolved yet the file still shows the same info. Again asked for a supervisor- none available. Left message. 

XX/XX/XXXX- Mortgage company cancelled my closing date due to information being reported improperly and inability to resolve. 

XX/XX/XXXX- Called the NY office- lady gave me the name of a supervisor at XXXX Contacted XXXX ( Supervisor ) no return call. 

XX/XX/XXXX- reached someone in XXXX- he said he needed to send my inof to a rep in US. He didnt have a supervisor on site.
I used my XXXX XXXX card to purchase business services from a company called XXXX XXXX. XXXX never provided me with any help at all or sent me anything, did not help my business, or file anything to help my business. When I complained, they sent me a refund minus {$9100.00}. They did not send me the entire amount because they said there was a 20 % fee for terminating the service early and for a " restocking fee ''. First of all, I never received anything to restock, and second they never did anything. Lastly, THEY were the ones who cancelled. 

I have filed several disputes over this with XXXX, and they side with the merchant every time because they have some forged agreement I never signed. My point has remained consistent ... if XXXX actually did perform any services ... there should be a paper trail with a shipping confirmation, proof of the business purchase setup ; registration and ownership transfer. I have brought this up to XXXX over and over and they have NEVER actually investigated nor received the aforementioned proof I requested. Every time I try to contact them about the dispute, I keep getting transferred over and over to different departments who obviously do n't communicate with each other or usually have any idea what I am talking about. Then like clockwork, in about a month ... they file in favor of XXXX after doing no investigation at all. I know this because for one, they have never shown me any proof of an investigation and because XXXX has the wrong address on my invoice ... so there is absolutley no way they shipped me anything. 

The original purchase was for {$40000.00} and XXXX refunded everything minus the aformentioned 20 %. Last month they refunded {$1100.00} but I am still owed an additional {$8000.00} Please help me, I have been disputing this for the better part of a year now with absolutley no cooperation or help from XXXX.
Citibank advertised that if I use my credit card for purchasing home furniture, I get back 5% on my purchases.  I had several other credit offers in the mail, offering various % back on purchases, and I decided to go with my existing Citibank credit card because it offered the highest % back.  When it came to paying the 5%, they said that the merchant classified itself with Visa/Mastercard as a "specialty" merchant, and they will not pay my 5%.  I contacted the merchant, the merchant stated that their business was set up years ago, business classifications were different back then, and they are more than happy to verify  for Citibank that they are EXCLUSIVELY a children's home furnishing store.  They also have a website that confirms this:  XXXX  My purchase definitely qualifies for the cash credit.  I contacted Citibank again, and customer service has no interest in verifying any of the facts.  They just simply denied my cash back.  I could have used another card that maybe gave back less, but no tricks involved.  There was nothing on the website saying that if your merchant set up its business decades ago and is not classified this and that, you won't get any cash back. Citibank uses common sense, plain XXXX in their advertisement to pull you in their misleading deal ("5% cash back on home furnishings") but then have tricks to get out of their obligations when it comes to paying.   I could have had money back from other credit card companies and not use Citibank in the first place.  They owe me money as far as I am concerned.  I have been a Citi customer for YEARS and paid my bills on time.  I expect to be treated with respect.
Dear Consumer Finance I am writing a final statement to inform you that I do n't believe I 'm treated fairly. My case with XXXX seems to get thrown out everytime without anyone taking a close look at it. I need a supervisor at both CFPB and XXXX to look over this case along with the account. It is a fraudulent error account on my credit report. I am only left to file a lawsuit against XXXX, TransUnion, & XXXX. This is a situation that has been ongoing for a couple years and it seems to get over looked. If no one looks after this case, I am left to file a lawsuit against the two bureaus along with XXXX. This is not a threat, i am fed up and wo n't allow a fraudulent error to remain on my credit report that is n't mine. This case has been looked over and someone needs to take a very close look at it and not allow it to be over looked this time around. If no one looks over this case correctly I will post all the credit bureaus and XXXX on public record if this gets over looked and a positive resolution is n't correct on my credit file. Please investigate this case closely. I sent in certified letters to XXXX, XXXX , & TransUnion to review this case and I asked for any documents from each credit bureaus along with XXXX and no one sent me any documents bearing my name or signature. It is very frustrating and embarrassing and comes with great pain to be going through a situation where a fraudulent error is torchuring my life and credit.
I requested my personal information to be corrected on my file because I believe it is causing accounts to be placed on my credit file that does not belong to me. I have spoken to numerous representatives that continue not understand my issue. I last spoke with a supervisor XXXX from XXXX, Ga in the office of XXXX. He refused to correct my information and said I would have to give them a signed XXXX FORM. From my research in the Fair Credit Reporting Act, that is not part of the proving of identification for my information to be corrected. I would like for the FTC to investigate the violations from Equifax and to have them correct my personal information on my file. I have attached the dispute letter I sent to them on XXXX/XXXX/16, the certified mail receipt showing they received it on XXXX/XXXX/16, and the identity documents I mailed to them showing my correct legal name.
Coinbase is misleading in the withdraw process. Easily accepts funds, yet has insane need for username and passwords to access my accounts. I have {$590.00} in my US wallet. The 2 options to withdraw have completely unreasonable personal info requirements. 
I would like some help in resolving this issue. Username and password into my account accesses several accounts. Never going to do that. 
A more reasonable bank account number and routing number is more acceptable. Some way to target one account. 
Thank you for the help. I look forward to your response.
Back in XX/XX/XXXX I sent letters to all 3 credit Bureaus asking them to provide some proof of an XXXX XXXX XXXX bill in the amount of {$2000.00} showing on my credit report ( that does not belong to me ) or to remove within 30 days. I received notifications and updated credit reports from all 3 bureaus showing they had deleted the account in the amount of {$2000.00} being reported by XXXX ( XXXX XXXX XXXX ). I am in the process of trying to purchase a home and now they have reinserted the unidentified account that does not belong to me back on all 3 of my credit report 's but this time it 's with a New Collection agency called XXXX XXXX. I never received any notification 5 days prior stating they would be reinserting items that were deleted back on my credit report. Please delete the XXXX XXXX XXXX bill in the amount of {$2000.00} from all 3 bureaus Experian, XXXX and XXXX as they are violating the law by not notifying me within 5 days.
3 credit unions were given information supplied from me. This complaint is regarding a trade line on my crit report from XXXX XXXX XXXX. Please the attached letter from the credit union to delete the file. I am also attaching the envelope with post mark on XX/XX/XXXX.
Equifax has XXXX XXXX listed on my credit report when I have submitted documentation that shows it should no longer be reporting on my credit report. 

XXXX XXXX and XXXX have removed XXXX XXXX - EQUIFAX has not!
I closed on my mortgage on XXXX XXXX with the XXXX payment being due on XX/XX/XXXX. Soon after I closed, as I expected, I received a letter saying my loan would be sold. I thought this would occur before the first payment date ; however, it did not. On XX/XX/XXXX, I went into a branch to make my payment. The teller told me I could indeed make a payment in the branch and attempted to pull up my account. She could not locate the account my my account number or ssn. She called the asst manager who also attempted to pull up my account, but she could not find it either. She called the mortgage servicing department who said that the payment had to be mailed. I asked if I would receive credit for making the payment on XX/XX/XXXX, and I was told I would. The asst manager mailed the payment from the branch in a bank envelop. The payment was received and posted, but to my surprise, it was posted effective XX/XX/XXXX. I contacted the bank because I felt that this was unfair, and I should not have to pay for an additional 7 days of interest when I attempted to make my payment on the due date.
A denial letter dated XXXX/XXXX/XXXX had a score of XXXX. On XXXX/XXXX/XXXX, a denial letter had a score of XXXX. The XXXX/XXXX/XXXX letter was in response to a secured card. According to both letters, XXXX provided the score. Please tell me if there is a different credit card scoring used for the secured card. I do n't see how the score went down by 76 points. I opened a new card, with another bank, in XXXX. I think it should be on the report pulled for the denial letter dated XXXX/XXXX/XXXX. The letter dated XXXX/XXXX/XXXX, also mentioned income being insufficient for requested credit.
Please see the attachment for my direct deposit check stub from XXXX XXXX XXXX XXXX XXXX. Be advised all of my creditors was payroll deducted. Wage earner was {$130.00} a week. Health care was payroll deducted, flexiable spending. Please notice my net year to date at the end of the year was only {$330.00}. My gross at the end of the year/year to date was only {$650.00}. Yet I made {$20.00} an hour end of the year of XX/XX/XXXX. And you tell me my identity was n't taken as a human being. This company was taking everything from me. Taxes was n't being reported to the government.
I would like to file a dispute against Experian. I mailed out a letter on XX/XX/XXXX disputing collections, inquiries and information on my credit file. It is now XX/XX/XXXX and Experian has not responded. According to the FDCPA the items I disputed must be removed. I am also disputed 2 addresses they have on my file that are incorrect. 
1. XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX this is a non existing address period that is my home address with an apt number added. Experian remove this false address. 
2. XXXX XXXX XXXX XXXX, XXXX Ohio XXXX I have never lived at this address this is an Ohio address and my home is at XXXX XXXX XXXX XXXX NC. 
I have asked Experian to update my file many times this year to remove the multiple names they have listed for me, just written differently. 
I would like them to only have 2 names which one is my maiden name and the other is my name though marriage, there is no need to have 8 different names of the same name just written in different order. 
Please update my name to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX current and only address need to be showing XXXX XXXX XXXX , XXXX NC XXXX. 
They have also added back a company they removed last year in XX/XX/XXXX which is XXXX balance XXXX, this is illegal. I have attached my credit report I pulled 4mthus ago which shows this company was not on there because they was removed. This is the only collection showing on my credit file with them, because I had to contact them about 2 other collections they removed last year and placed back on my report, which is reflected in the credit report I pulled 4mths ago. 
I have even spoken to a representative to have my name and address updated and was assured it was would be completed. When I sent off my letter on XX/XX/XXXX I asked again to update my name and address, to remove all the unauthorized inquires and requested Validation not verification and I also asked them to removed collections that was stilp showing on my account. I have n't received my response letter and according to the FDCPA the items must be removed.
There are two issues in my account that I tried to address with Capital One but I was not able to due to being transferred to multiple departments in their call center. 

The first issue is that I requested a credit balance refund check for credit of XXXX on the account and I was told they are not able to send it because their is a restriction on the account, I mistakenly over paid on the Capital One bill and wanted to get a refund for my funds. 

The second issue is regarding a dispute ; XX/XX/XXXX - XXXX XXXX XXXX  TUITION - T Other ... - XXXX - {$11000.00} After I made the dispute and before the dispute was processed. The merchant issued a credit on XX/XX/XXXX XXXX XXXX XXXX  TUITION - T Other ... XXXX - {$8600.00}. So I called to cancel the dispute with Capital One but Capital One still credited my account XX/XX/XXXX PURCHASE ADJUSTMENT Other XXXX XXXX. ... XXXX {$11000.00} for this charge I asked to be canceled. On XX/XX/XXXX ADJ-XXXX XXXX XXXX TUITION - T Other XXXX XXXX. ... XXXX - {$8600.00}, Capital One made this adjustment to the account, they also sent me a letter stating that they canceled the dispute because the merchant issued credit. 
However the issue right now is that the merchant XXXX XXXX XXXX is telling me Capital One took {$11000.00} back although Capital One stated they canceled the dispute. The merchant asked me to get a letter from Capital One confirming that they canceled the dispute. That is what I am requesting at this point.
XXXX bought my mortgage from another company in XXXX this year. For 6 years I had not missed a payment but once my loan was transferred I 've had issues trying to give them my payments and set up auto payments, ranging from not knowing the account was ever bought by XXXX, to continual issues logging in to their site to pay ( even at this moment I get an error upon attempting to log in XXXX, to not being able to get through the automatic voice system, to incorrect auto payment set up and never hearing about it until my home went into default for a second time and credit agencies being notified - all this despite the home payment being well within my affordability. 

After 8 months, my first improper credit ding was said to have been submitted to credit agencies for correction, while at the same time, unknown to me, my auto draft was n't pulling from XXXX/XXXX/2017 to XXXX/XXXX/2017, so on XXXX I received a letter from XXXX stating that they were in foreclosure proceedings and that credit agencies had been notified again. The payment on this home in less than {$600.00}, which is less that 10 % of my monthly income and I 've never even had a credit card nor am I behind on any other sort of payment ... my ability to afford payments is NOT the issue, yet they have seriously impacted my credit score.