WillisBack/dataset-financial-user-claim huggingface dataset:
I noticed online I had XXXX overdraft fees of XXXX a piece to the sum of {$170.00} and XXXX overdrawn limit fee of {$35.00}, totaling {$210.00}. I set up an appointment for thursday, XXXX XXXX @ XXXX and once there explained that my grandfather was recently diagnosed with XXXX XXXX which has also affected his XXXX and only has a short time frame XXXX and so I had been having extra expenses dealing with family and my father in helping my grandfather. When I visited the branch location at approximately XXXX I waited. There was another lady that arrived XXXX minutes after me and firstly they saw her first in which she did not have an appointment. I work XXXX with XXXX so I understand formalities, but also common courtesy. I explained to the first agent ( do not know her title ) regarding what had been happening and that I am requesting forgiveness of these fees due to circumstance. She advised me that her manager would make that call and she had to go talk to her. So, she went to do that and a manager came over and immediately stated that their system would not allow them to do it, and immediately told me to open a line of credit to take care of it. I was confused and asked who is the manager and who is in charge as the first agent made it seem as though she ( the assistance or whatever her title is ) would make that decision. She immediately tries to sell me on the idea of a credit card again. I 'm thinking how is this product going to help me right now in the moment with my situation and fees that I have by opening a new line of credit and dealing with family issues. So, they advise me, the manager, XXXX would be who I would speak with. They also advise me that she would be in that afternoon. So, from XXXX XXXX I call several times but could not reach her. There was not an email on the card they provided me. So, when I did reach someone, a gentleman answered and he took my information and stated that she would call me back. Well, I never heard from XXXX. No one every called me back. Not good customer service. I have been a customer over 10 years and if these fees can not be waived I will be closing my account and moving to another bank.
The XXXX Department of Education discharged my student loans as a result of my total and permanent XXXX on XX/XX/XXXX. XXXX in turn discharged my student loans and reported this to all XXXX credit bureaus on XX/XX/XXXX. The XXXX Department of Education received notice from XXXX on XXXX that my loans were discharged. Nonetheless, and inexplicably, the XXXX Department of Education reported my loans not as discharged, paid in full, with XXXX balance, but rather reported them as in a balance status of {$100000.00} and {$95000.00} on XXXX XXXX XXXX. Now, each of the XXXX credit bureaus -- XXXX, Experian, and XXXX -- is incorrectly reporting that my loans are in balance status when they have been discharged by the XXXX Department of Education and XXXX for total and permanent XXXX and should show XXXX balance, paid in full, and closed. This represents deliberately false reporting to the credit bureaus and is discrimination against a XXXX person. These loans have been discharged for over 130 days. Please immediately resolve this and ensure that all parties and all credit bureaus show these loans as discharged, paid in full, and closed, with XXXX balance.
I am a Fraud Victim and someone stole my Identity many years ago. I never signed any documents nor have I spoke to anybody from Loan Depot and nor did I give them permission to touch my credit report. I am demanding Justice be done and they clear my name from any wrong doings of requesting a LOAN. I have not given LOAN DEPOT OR XXXX Permission verbally or electronically or written permission to touch my credit or request a loan. I demand they contact all three credit agencies and remove this credit pull from my account. I also want a letter of deletion sent to me for proof of records If this is not done within the 30 day time frame I will contact a lawyer for damages for pulling my credit and damaging my credit. 

Thank You, XXXX
In case # XXXX, SPS cites a clause in the original note that supposedly gives permission to pay off a superior lien, but the clause also states that the first lien must be in default, which my first mortgage was not. I was in no danger of foreclosure by XXXX XXXX. 
Therefore, the " protective advance '' was a cash out refinance, entitling me to a three day right of recision. Also, I was never given any documents itemizing ANY disbursement of funds, which is also a RESPA violation entitling me to an extended right of recision.
Portfolio Recovery filed suit # XXXX in XXXX County XXXX for debt not owed. Also according to their claims the aleged debt is from XX/XX/2011 which puts it beyond the XXXX State Statute of Limitations. Also XXXX does not live in XXXX county, but has been a resident of XXXX   County since XX/XX/2016. XXXX disputed the debt, but Portfilio Recovery has not provided any details of the debt.
We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged XXXX  to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX   The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX XXXX
Experian : Unauthorized hard pulls = XXXX of XXXX, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 XXXX via XXXX XXXX multiple hard inquires to Experian - XXXX, see attached. This has harmed my credit and credit worthiness as well as my ability to move. I have XXXX sons that I am desperate to get out of this XXXX neighborhood. They say, " where was the mother '', well I 'm here and saying " why is XXXX hurting my ability to move '' and making unauthorized hard pulls?
After several years of unemployment and being delinquent on my Capitol One Credit card we agreed to settlement terms. I complied with my terms sending a check for XXXX dollars which they cashed. They reneged on their terms. After several unsuccessful attempts to reconciled, request my release and they refusing without receiving additional dollars I terminated all communication. They sold the disputed funds to a collection agency as an uncollected bad debt. After all these years my credit has been ruined and they still have debt collectors after me. the Lastest is XXXX.
I recieved a letter in earlyXX/XX/XXXX from Transworld Systems Inc ( TSI ) regarding a debt collection on behalf of XXXX. No information was given in the initial communication regarding the incurrence of the debt, just that a balance was owed.

I responded in writing on XX/XX/XXXX requesting additional information. When I received no further communication three weeks later I called TSI 's toll free number. I was told that my written response was not received, but was given the date of the original XXXX  service in question. I asked that those details be sent to me.

I received the next communication from TSI approximately one week later which included an invoice from XXXX. This was the first time I had seen anything from XXXX  stating a balance was owed.

I did recognize the shipment date from late XX/XX/XXXX ( less than three months prior to receiving first notice of debt collection from TSI ) and information as being valid, and although I had not received any communication from XXXX  before, during, or after delivery regarding a balance owed, since the amount was less than {$40.00} I then made arrangements to have the balance paid.

Upon logging into the TSI website ( XXXX XXXX XXXX ), I found a pdf of another communication from TSI dated XX/XX/XXXXwhich states : " We have not received a response regarding your past due account ( s ) with XXXX XXXX XXXX XXXX . Previous attempts by our office requesting that your account ( s ) be resolved have been unsuccessful. Please contact our office to make arrangements to resolve your account ( s ). Thank you. '' This is concerning given that I had provided written response in late XX/XX/XXXX and made a follow up phone call in early XX/XX/XXXX. Given the questionable business practices to date of both XXXX and TSI I did not feel it would be in my best interest to continue to dispute the claim, and given the small amount, decided to process a payment in full on XX/XX/XXXX. However, these small amounts can add up, and I believe these companies are defrauding consumers.
In XXXX 2016 I made a {$500.00} down payment to XXXX in XXXX colorado, to hold the item until I could travel there to complete the purchase. I gave them my Chase Credit card number over the phone to submit the down payment. That process apparently stimulated some sort of security alert with Chase and the payment was blocked. What ended up happening was several {$500.00} charges were made to the card. They made several attempts to run the card. I called Chase and ok 'd the {$500.00} for the down payment. I decided not to travel to complete the purchase and started the process of getting the charge reversed. It has been a very difficult time dealing with Chase on this matter. I thought the matter was resolved and closed the account and have no intention of doing business with them again. Last week they mailed me a notice they have charged my closed card account {$500.00} relative to the matter with XXXX
I have contacted them about these accounts in several occasions and they have not contacted me or updated these accounts. Theses accounts where settled in my divorce and I and no longer responsibile for these accounts.. the accounts are XXXX Child Support and XXXX Auto Loan , and XXXX XXXX
My credit card issued by Barclays was closed without notice. I received a notice saying the account was closed for 'unusual account activity ' and that my credit was not use in the decision. I would like my XXXX $ annual fee refunded, and the XXXX $ in unclaimed rewards credited to my account. The bank would not provide further explanation as to why my account was closed, and they refused to credit my account for the unused points or already paid annual fee. I find this behavior akin to a bait-and-switch. I used this credit card under the pretense of earning rewards, until the bank decides to unilaterally close the account and deem my earned rewards void.
In XXXX of XXXX Carrington mortgage lost a postal money order that was sent with another money order along with payment coupon in the same envelope. When I contacted them after checking my account information online they said I had only sent a partial payment and put my next payment into a suspense fund. An employee told me when I called that they would research this and get back to me. That did not happen, when I called again later that week I was told it would take 30 days to research this and that they would let me know what the findings were. I was told not to make a payment until this was resolved. I have been told week after week that they were still researching the missing payment. This could have easily been resolved if they would have just said they lost or misplaced the payment as I could have easily gotten a refund from the United States Postal Service and resent the money order. From XXXX till now I have still not received any resolution. This has been going on for over 90 days, this company has ruined my credit in the mean time. I called and asked what I could do to get this resolved and I was finally sent a payment coupon for the amount of {$7100.00} to bring my account up to date. The payment coupon was for XX/XX/XXXX.This was the first correspondence that I have received from this company in months. The day I received this I also received foreclosure papers from the Sheriffs Department. When I called to find out for sure how much would bring my account up to date I was told {$7100.00}. Today I was checking my account online only to find out that they have taken money that they put in a suspense fund and now they say that I owe another payment. I was told all fees would be in that {$7100.00} and my payment would be up to date until XXXX XXXX. Now I was told that is not the case. This company seems to make up its own rules as it goes along. A representative named XXXX asked me to fax all the information that I had, I documented phone calls copies of the money orders and the people I have spoken to, I faxed this information to her XXXX/XXXX/XXXX. All of this information has been faxed to this company 4 previous times. I have lived in this home since XXXX XXXX, XXXX. I would not have done anything to have put my home in jeopardy. I have not had any problems with any of the mortgage lenders I have had before it was sold to this company.
On XX/XX/2018, I was out shopping at my neighborhood mall. I went to various places to spend. Once I got home I looked at my account history to check my balance. To my surprise an ATM withdrawal in the amount of {$300.00} was taken out of my account by an unknown person. The card was in my possession and I have no idea how someone couldve withdrew money. I never use ATMs as theyre unsafe to me. I immediately transferred the rest of my money away from the card and called American Express Serve to notify them of the unauthorized transaction and have them cancel my card. They informed me Im not liable of any fraudulent transaction and my claim would be processed and credited within 10 business days. About 20 days later I received a letter stating that the claim has been denied because it was an atm transaction and i must have authorized it. I HAVE never went to the ATM and I didnt authorize anyone to and no one had access to my card other than me. They told me to write their dispute department explaining this situation. I faxed and mailed their dispute department with no response. I just dont know what to do, i trusted this company for over five years. Now I no longer want to be a customer.
I just started paying on some credit cards through portfolio recovery debt collection. They have been calling me for over a year I finally have enough money to make the minimal payments so I set them up as soon as my first payment went through I started getting Phantom debt collection calls. I think someone that works there is either selling information or they know who pays their " debts '' and is trying to get more money out of me. I think they should be looked into, it 's just kind of weird I have never had that happen before I have had the same number for years and as soon as I give in and start paying them I get 2 to 3 fake debt collection calls a day saying that I will be served with papers and threatening me.
I received a non-compliant marketing piece asking if my rate was higher than 2.25 %. There was no disclosed APR in the advert and nothing to indicated the loan they were offering as a refinance option was anything but a fixed rate mortgage. I would like to hold them to their disclosed offering of 2.25 % on a 30 year fixed.
I have a UPromise MasterCard. On XXXX XXXX, 2015, I made a payment over the phone from my bank account to pay off my entire current balance on my UPromise care, a little over {$9000.00}. 

By their records, the payment was processed the next business day XXXX XXXX. 

However, even though they have processed the payment, they will not clear my account and are continuing to charge me interest until XXXX XXXX at XXXX! 

The UPromise agent I spoke with over the phone was unable to explain to me the rationale behind this. This seems like an immoral if not illegal practice to take payment, hold both my money from the bank and to charge me interest for a week. 
That dollar amount is too small to financially be worth my time in small claims court, but if UPromise is doing this to other credit card holders, they stand to make a pretty large sum of money.
In effort to pay off a credit card debit with Discover, my wife and I have encountered several unnecessary frustrations and complications with Discover. We had over paid the account and wanted to be refunded that amount. This course of action has taken two months to occur. I wanted the money deposited into my wife 's checking account, which they reported was fine, but then later reported that they were not able to comply with that request. Over time, the refund was permitted, we initially requested the amount to be transferred back and it was agreed that the money would be transferred to an account on file, which was not an account belonging to my household. Discover was not aware of the account that they were refunding the account to and provided little information in its resolution. After constant delays I had requested that a check be sent via mail. Discover reported that this was fine. After calling them again, I was informed, without my constant, that they will be sending the funds through a third party, which would deposit the money back on to the initial funding resource. This is not what was requested and it ultimately wastes money, time and effort. Once deposit back to the account in which it came from, I can not use that money to pay off other debit that the money was intended for. When I asked the supervisor to contact the banking division of the company to have this corrected, I was told that they are unable to contact them by phone and had to be e-mail. Once Discover returned my phone call, they reported that the initial request was made and that the funds were transferred back to the account, despite the number of phone calls that were made between Discover XXXX with different individuals ) and myself through the course of several weeks. As of right now, it was told to me that mailing a check was never truly an option and this decision was made on the XXXX of XXXX. No one confirmed and this was told to me after talking to XXXX customer service supervisors and a loan specialist. However, the interest charged on my other account continued to grow while waiting for Discover to make a decision, communicate that decision, and execute that decision. If this statement was made initially, I would have been frustrated, but this issue has now surpassed customer neglect/abuse or at the very least, extreme poor customer service.
I pulled my Credit Report and notice their was some fraudulent activity on my file. I filed a police report in on XXXX XXXX, 2017 and an investigation began for Identity Theft. I called on XXXX, Transunion, XXXX and they placed a 90 day alert on my file. Each credit bureau assured me that once I send over the police report ; the 90 day alert will be change to a 7 year alert and all hard inquires and negative accounts will be removed. I applied for a rental and was denied ; I called the rental company to get further clarification. The Credit Bureaus did not place a 7 year hold on my credit report nor they did not delete the hard inquiries and derogatory accounts.
I have a dispute with XXXX XXXX over a a cancellation fee they are charging me. The merchant has provided capital one dispute team, with inaccurate false information and Captial one 's dispute account managers are not doing their due diligence in investigating the situation. I have been told misinformation since XXXX XXXX, 2016 and my last encounter with the rudest account manager i have experienced there is what has drawn me to file this complaint. He proved to me that they are not reading the submitted materials. They are interpreting hard facts in the favor the merchant. THe last account manager, Said he was the HIGHEST person I would be able to talk even if the information he provided was inaccurate. I asked him for his name and ID and his name is XXXX. His attitude and knowledge exemplifies the on going problems that Cap One has with proving customers with accurate, timely information.
XXXX XXXX is stating that I was 90 days late in 2012. However, from my recollection I was under forbearance and I should not have these negative mark on my credit report. I have sent letters requesting for my payment history which they have not.
Theyre trying to collect {$8900.00} from me on an account that was closed two years ago. They didnt even serve me they just left the papers at my house. Theyre based in Texas and suing me at a court in California! They were already raided by the FBI once but I see theyre back to their slimey ways
I recently ran my credit and found AMCOL on my report. Once again I had no knowledge of this debt!! I was never contacted by this company that is violating HIPAA Law! I never knew about this {$200.00} medical debt and now its in collections! Ive never signed any documents with AMCOL!! XXXX and XXXX has deleted but AMCOL is still reporting to XXXX!! Ive sent certified letters and no response! I want AMCOL removed from reporting inaccurate information on my credit!! I demand documentation with my signature showing I owe AMCOL this debt!
This was disputed/updated. The update forward to me from Experian was dated XX/XX/2016 : and reads in Comments : ( Never late paid as Agreed ) - from the bank investigation : XXXX Bank that replied to my dispute made. However the updated Experian report today ( XX/XX/2016 ) still shows ( 2 ) periods of 30 days late reporting with the Comments : never late paid as agreed. Additionally it still shows a balance that was not addressed also. The Balance of {$110.00} was a refund ( given ) transaction processed by XXXX of {$99.00}. At this time the bank have place it back on my credit report plus interest. See the e-mail from XXXX uploaded as documentation of the process from XXXX/XXXX/2016. XXXX Bank gave the credit for the {$99.00}, as well forward me the overage ( check ) payment of {$19.00} when it settled. From dispute of late pays I made they now claim that they never received the Refund Transaction from XXXX placing this back on my Experian Report
I am writing to file a complaint against Experian XXXX. 
What kind of investigations they did because my last letter of disputed that I sent to Experian, they were received on XX/XX/XXXX at XXXX and I received a Disputed Results with Report # : XXXX dated XX/XX/XXXX? only they take four days to re-investigate my dispute letter, for my knowledge Experian works from Monday to Friday you do not work on weekends. 
The same way Experian defamation of character, because in the statement and fraud alerts they are publishing in my profile without my authorization, I never request any fraud alerts and I never request to put any statement on my credit profile. All this looks suspicious is the reason that I am writing to you ; how could I believe if they are doing the same with those accounts that they are posting that are repeat in my credit profile. What are they doing is a violation of my rights? 
Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Violation of Statute of Limitations by State on that debt Violation of the Fair Credit Billing Act Defamation of Character. 
I'm asking you to stop defamation on in my credit profile because this message that appears in my credit profile of any circumstance I never have asked to put any fraud alert or any statement even that phone number in the statement I do not recognize it, this is what you are posting in my credit profile. 
Bureau Message : XXXX &XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
My credit report ( Equifax ) shows hard inquiries on me made by XXXX XXXX every couple months for the past two years. I have never applied for credit with XXXX. I have tried contacting XXXX directly to figure out why this happening and have not been able to receive any help and it continues happening. I am afraid that someone else is trying to apply for credit using my information. I've also had the same thing happen with XXXX a couple times.