WillisBack/dataset-financial-user-claim huggingface dataset:
I had a dispute with a merchant regarding a hardwood floor I purchased. After spending several months working directly with the merchant, I contacted Bank of America to dispute the charge. After their investigation I was credited with the purchase price of the flooring. This decision was disputed by the merchant. I was given until XXXX XXXX to respond to Bank of America 's request for additional information. I did not receive Bank of America 's letter in the mail stating this deadline until XXXX XXXX. Upon calling Bank of America and requesting additional time, they stated that I was late in my response and that I had lost my case. I spoke with multiple individuals in the Claims Department, all of which regurgitated the same response.
I sent a letter to CHASE CARD letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and CHASE CARD refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. CHASE CARD provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
On XX/XX/XXXX, I went to lease a car to XXXX XXXX  XXXX XXXX VA. They checked my credit report on XXXX  credit bureau. According to XXXX, I have no credit profile.

On the other hand, I have three credit cards of Capital one, XXXX  and XXXX XXXX. Three of these companies have my credit profile and I have a good credit score near more or less than 700. I talked to Capital One and they told me that they report my credit profile to all three credit bureaus including XXXX and XXXX. Capital one customer service agent told me that they are legally confined to send my information to all three bureaus.

Then I talked to XXXX and they told me that they have my credit profile as capital one, XXXX XXXX and XXXX is reporting them my profile on monthly basis. Contrary to this, XXXX told me that they do not have my credit profile and any of these three companies including capital one, XXXX XXXX and XXXX is not reporting to them my credit profile and I have to talk to my bank capital one about that. When I talked my bank, they said that they are reporting to them and thay can not help me further in this matter.
Hello, I am really hoping that you guys can assist me in removing these negative erroneous items from my credit report. I have reported all of the accounts that were not supposed to be on my report. As a matter of fact I have initiated an investigation more than once with each credit bureau with no response from either bureau. I have several things on my credit which are preventing my family from moving forward in the homeowner process and many other aspects of our financial life and freedom. Please assist me with getting these negative erroneous things removed from my credit as they are accounts that have been falsely reported to my credit report.
On XXXX I purchased XXXX Cards at my local XXXX pharmacy. My credit card was charged. When the cards were " activated '' there was some sort of error which led to XXXX the cards not being activated, while the third card was supposedly fully loaded with the {$470.00} I had paid. The store manager refunded my credit card for the other XXXX cards which were not activated. When I later went to use the " activated '' card I found there was no money on it. That same day I contacted XXXX and sent in via email and fax all the documentation. Now, after more than two weeks and half a dozen phone calls they inform me that ALL of the cards were supposedly activated and that I used them all at the same store immediately to make purchases! This is completely incorrect and I have all the receipts to verify what I am saying.
Realtime Solutions is reporting the following late payments on my credit report. 

120 days past due as of XXXX XXXX until XXXX XXXX and 180 days past due as of XXXX XXXX until XXXX XXXX. 

This is not accurate and is damaging my credit. I have disputed this before but my disputes were ignored.
Hello I just made a large payment of {$260.00} to  my Chase card two da ys ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA sectio n 623.
In XX/XX/XXXX my husband and I took on a line of XXXX XXXX via Barclay Card in order to buy a computer. The credit line was advertised as XXXX months, no interest. Two years later, in XXXX of this year I was blindsided by a {$630.00} interest charge on my account. I inquired with the creditor and this was their response : '' Our records show that you received an extended amount of time to pay off your XXXX purchase without receiving finance charges. Where the purchase was not paid in full by XX/XX/XXXX, finance charges were calculated from the original date of purchase and billed to your account in the amount of {$630.00}. 

" We would like to inform you that we placed numerous reminders on your monthly statements informing you that the expiration time is approaching and that you need to pay the purchase in full to avoid being assessed finance charges. We also send you a number of informational emails that would have provided you with additional information on how deferred financing works, as well as reminders, explaining that your purchase needs to be paid off by the expiration date provided on your monthly statements. " Though the company says I was sent " informational emails '' and " reminders '' I do not recall any of these. I had no clue a finance charge bomb was looming -- or that creditors were allowed to do such a thing. I was under the impression that this line of credit, although an albatross I could n't wait to pay off, was in good standing. Now my balance is over the approved line of credit and I owe more than I originally charged for the computer. I know this is no subprime loan, but it seems like these practices should be illegal. And of course, I know I 'm not the only XXXX who needed a computer and had no cash in hand.
I am in a revised pay as you earn plan. The plan, as known in the loan documents, caps your repayments at 10 % of income and provides a set amount per month.     For the pas t ~18 months , I have been repaying my loans without incident. Recently,  Nel Net has  begun assessing the payments for different groups at different times. What this has resulted in is a monthly amount that exceeds the minimum monthly payment.     This should not be compliant with the purpose of the payment plan in use.     What it creates is a situation where i have to pay the minimum amount and then am charged an additional repayment amount for a different group set.     I do not find their explanation of this change availing. I was never assessed a separate amount for the previ ous two years that  I have been repaying this loan.
XXXX XXXX XXXX is duplicating an account for a student loan. The loan was sent to XXXX and I am dealing with them. The school committed fraud.
On Saturday, XXXX XXXX, 2017, Chase Bank closed my college student checkings account with them. I had a XXXX XXXX XXXX dollars remaining in the account ( thus a positive balance ). When my card declined I called chase to inquire and they informed me that the my account was closed, the decision was final and I would be unable to utilize their services ever again. They deemed my account unsustainable and a liability. I then spoke to the bank teller I had worked with since I first opened my account and she tried to inquire more and was informed that the legal team for chase reviewed the decision and deemed it final. I called chase several more times and these times they refused to provide a reason as to why my account was closed. This action caused me to be unable to pay certain bills on time and incur fees. They closed my account for no reason, refused to provide explanation and the inability to access my money cost me more money. I ended up receiving a check with my remaining balance however a couple of weeks later.
Hello, I recently opened a TD US account via phone. I was given an account number, routing number at the end of the phone call. I provided my address in the US and also my XXXX Address for them to send my " welcome '' packet. When I got home I transferred XXXX usd to that account via external transfers. This was XX/XX/XXXX. The money left my XXXX account and has been in limbo since. I also transferred another XXXX on the XXXX. Neither of these transfers ever hit the account, or were credited as the account was never " activated '' because I did not fill out the signature card as it was sent to my US address. 
I 've had numerous bank representatives call the TD us account, I 've called at least 4 times, we 've had TD north sent my signature card to them. I 've been told something different every time I 've called. I even had a bank manager call a supervisor and was assured that she could fax the signature card and the account would be activated and the XXXX would be credited. I placed another call today to TD and taked with a XXXX employee number XXXX in XXXX , Maine , and he now stated that TD US could not accept a Signature card from a XXXX TD b/c I was an American citizen. This is the first time I 've heard that after dealing with this for almost XXXX weeks. 

So basically I have XXXX dollars in no mans land, TD wo n't accept it, but wo n't send it back to my XXXX XXXX account. I called XXXX and they 're stating that it could be another 10 days until I receive my funds back. This is XXXX not acceptable. 

I need my USD back in my XXXX account ASAP/today. Simply put, not one bank rep knew what they were talking about, and I 'm the one that has to pay the price. 

PS this XXXX rep from TD was probably the worst customer service experience I have ever had in my life. I spoke to him at XXXX XXXX/XXXX/2016
It has been established that XXXX XXXX has and is still violating the FCRA in MO and other places. I have proven chapter by chapter and paragraph by paragraph of the FCRA that XXXX XXXX has is violating the FCRA. My complaint documents this violation ( s ) and no authority is willing to act on XXXX XXXX 's vilations and XXXX XXXX will not address the complaint specifics because it knows it does not have to and there is no enforcement by the CFPB or FTC. This is sad that any company can violate the law and all I am told is that I can bring suit. I know can bring suit. That is not the issue. XXXX XXXX has committed fraud in the manner in which it reported my circumstances on input to Credit Reporting Agencies. XXXX totally removed all information regarding XXXX XXXX from my credit report. Transunion refuses to follow suit and XXXX has made some minor changes but not enough to correct the credit reporting per the agreement made between XXXX XXXX and I in several documented letters. There is not need for a CFPB or authority given to the FTC to enforce the law if they will not do it when provided ample proof. I will report this matter to the " drain the swamp '' team at the White House.
I ordered a gift card through XXXX XXXX on XXXX XXXX, XXXX. The card was never delivered. I have called the support line about 6 times since then, and have been very frustrated with the lack of results in crediting the XXXX points back to my account. 

My most recent conversation was with a supervisor named XXXX on XXXX XXXX, XXXX. While friendly, he was ultimately unable to credit the points back or do anything of significance to move the process along. He told me that a request had been made on XXXX XXXX, XXXX to defund the undelivered gift card and return the points to my account. On two previous calls to the support line, I was quoted a 30-day wait time for the process. XXXX told me that the wait was 60 days. 

Today is XX/XX/XXXX. It has been 77 days since XX/XX/XXXXwith no results.
Accounts on TransUnion previously deleted now reinserted without receiving a 5 day notice.
My USAA member number is XXXX According to eRegulations 12 CFR Part 1026 ( Regulation Z ) titled : FINALITY OF ERROR RESOLUTION PROCEDURE, A creditor must comply with the error resolution procedures and complete its investigation to determine whether an error occurred within two complete billing cycles as set forth in 1026.13 ( c ) ( 2 ). Thus, for example, 1026.13 ( c ) ( 2 ) prohibits a creditor from reversing amounts previously credited for an alleged billing error even if the creditor obtains evidence after the error resolution time period has passed indicating that the billing error did not occur as asserted by the consumer. USAA has violated this law in response to a previous complaint on XXXX/XXXX/2017 from USAA, they state " You explain that a year later after issuing permanent credits, USAA reversed the action and is holding you liable for purchases you state you did not authorize. '' This reversal takes place way beyond the time allowed by eRegulations 12 CFR Part 1026. According to this regulation even if the creditor obtains evidence after the error resolution timeline has passed the creditor ( USAA ) is  prohibited from reversing any amount previously credited. In addition, I received notices from USAA stating the investigation was complete and all credits were final. I only learned these had been reversed after calling in as they are only listed as " transfer adjustments '' online. Shortly after inquiring, USAA removed my online access to all of my accounts and in discrimination and retaliation to exercising my rights closed this and all of my other accounts as well without any warning or detailed explanation. Even worse, I have yet to receive an account statement for the above mentioned account or any of the supporting or related documentation despite repeated requests. Making matters even more difficult it took over a month to finally receive a follow up phone call with the agent XXXX from the CEO 's office who everyone said I needed to speak with. Upon finally speaking with her, she had no actual knowledge of my account or any of the federal regulations stating USAA did not need a reason to close my account, reverse the credits despite the timeline set forth nor did they have to offer any explanation for any of their actions due to regulation Z. When I inquired about regulation Z she could n't tell me anything about it. She even stated it was found in the card member agreement, but she could n't tell me where because she did n't have it in front of her.
I bought an XXXX XXXX from a seller on XXXX. He told me to pay through pnc XXXX. I had never used the service before and figured seeing as it was through pnc that it would provide me with the same protections my bank did. He didnt ship the item and just quit responding to me. So now Im out {$600.00} and apparently nothing can be done. XXXX and pnc should legally be forced to fight fraud or pnc shouldnt be linked with XXXX if it allows fraud to happen.
I have disputed these XXXX XXXX it has XXXX accounts listed when there was only XXXX account to start with that was actually from fraud. the account report wrong dates, payments, terms, amounts, and balances. I did not know how to approach the situation about the fraud and was sued i found out when i was in the process of buying the house so i ended up paying the judgment and i am still trying to refinance because the credit bureaus refuse to correct this information it is causing me great financial harm the judged learned what happened he removed the judgement. Upon speaking to XXXX they stated that they are not verifying this information with the credit bureau. The credit bureau will not remove this information. I am including the offical stamped letter from the judge stating that the debt that i have with XXXX is satisfied.
I have been on the Income Based plan for years but my monthly bill continues to rise. I appreciate having the ability to pay less but if you get the slightest raise, they increase your payment! I do n't see how this type of plan will ever help someone like me pay the loans back and be able to live. I have a mortgage, monthly bills, health care, car notes, etc. They do n't seem to care that you have to live! I have tried multiple times to get my payments lower but despite my efforts, they require your taxes every year to make sure you do n't make more money. It is n't fair. The plan should at least allow a XXXX year guarantee of the payments you have before requesting to see your income again. That would be the only way you can ever get ahead! I have always paid and I intend to continue but we need a break and Navient needs to work with us to help make it easier to pay the loans back!
My paid subscription directly with Experian is showing a 53 point higher credit score (  Fico Score ) than when my lender pulls it ( XXXX ) all of the accounts, the dates and balances are identical. I have compared the two reports line by line, nothing is different but the scores. This can not be justified, and is very dishonest as it allows the lender to charge higher interest rates on loans.
On XXXX XXXX, I made a purchase at XXXX online. I had received an email from my paypal smart connect credit account that if I made a purchase between XXXX and XXXX, I would receive a {$10.00} credit. So I got a total of {$72.00} purchase and attempted to check out as a guest through paypal. My paypal credit card XXXX Smart connect XXXX did n't show up for finalizing the transaction. I went back and logged into my XXXX account and paypal came up so I checked out, thinking it was my paypal credit account XXXX smart connect XXXX. I do n't remember anything that stuck in my mind to let me know I was signing up for a new credit line. I have had credit issues in the past, so the credit cards I have now are the only ones I want. I never sign up for new cards. I want to purchase a new house in the future and do n't want to compromise my credit score. I emailed back and forth with paypal after I received the paper credit statement of the purchase and which showed no balance. I know I have a balance on my smart connect, so I could n't figure this statement out. I also do n't receive paper credit card statements. Emailing did n't help, just was more confusing as they told me I could only have XXXX credit card linked to paypal and that I could like the paypal credit after disconnecting smart connect. What? I called paypal to see if I could move the paypal credit balance to my paypal smart connect. the person I spoke to, XXXX, could n't even find this purchase anywhere XXXX and I think she said that paypal could n't transfer the balance anyway between the XXXX credit lines XXXX, so she forwarded me to XXXX at Paypal credit. He said I could pay off the balance and close the paypal credit account. I asked if this affects my credit score and he said that they did do a credit check before they issued the paypal credit. I was so upset after speaking with him and venting to him and asking if this is what the paypal scam on the news is about. Then I hung up. Can I be added to the lawsuit that cfpb has filed against paypal?
I keep receiving telephone calls from Enhanced Recovery Debt Collections although I 've told them in the past no one lives here by the name of XXXX. They are calling from multiple numbers and this is harassment!!! I 've received calls from XXXX and XXXX multiple times a day, everyday!!!
I have XXXX different privet student loans currently own by Navient. XXXX of XXXX loans are small loans. I only have concern third loan originally was {$25000.00}. I took this big loan on XXXX 2009. I have been paying this loan since I took the loan. Last XXXX I asked Navient to release co-singer for the loan since I never late pay or missed payment for last 8 years and it 's reasonable request to release the co-signer at this time. They denied my request in ground of my obligation more than my income. I asked clarification if they are saying my monthly obligation higher than my monthly income. After I proof for them my current monthly total obligation ( {$1200.00} ) way less than my current monthly gross income ( {$3000.00} ), they change the reason of denial to my total loan is to high. Yes my total student loan is close to half XXXX because I went medical school and almost all loan is federal loan. Since I wo n't start to pay my Federal student loan XXXX or four years from now before I finish residency, I do n't think it matter much for Navient loan since the term of the loan is less than five years from now. 

In short, I do believe Navient giving all kind of reasons to denied me simple request to release my co-signer while I have more than XXXX credit score and regularly making my monthly payment. 

Best, XXXX XXXX