WillisBack/dataset-financial-user-claim huggingface dataset:
This company/ Collection agency ( Atg Credit ) reported that I owed {$27.00} dollars to them for the original creditor XXXX XXXX XXXX. Atg Credit reported a negative report to the Credit reporting agency XXXX on XX/XX/2018. I called to verify the information and asked them to send proof to me of the transaction with my signature on documents showing it was me and they declined to do so. The Act # is XXXX. I explained to them that the account does not belong to me and it is not mine. The information for Atg Credit is as follow : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and their phone number is XXXX
Chase used my escrow in XX/XX/XXXX to pay off my mortgage a month early in full leaving two of my property taxes unpaid without our knowledge or permission. I learned about this around XX/XX/XXXX because Chase sent us a letter. We were scheduled to pay off the mortgage in XX/XX/XXXX, which would have left remaining escrow to cover the taxes. The monthly P & I is approximately {$780.00} and they paid out approximately {$680.00} in escrow to cover the loan on XX/XX/XXXX, which was the day after my XXXX payment was made. Their internal investigation yielded that CFPB 1024.34 was not violated in any means because they could do this with escrow, and it is considered a common practice. We paid off our 30 year note in about 14.5 years. 
I believe that this is a stretch of the regulation at best, and if not, completely unethical.
I got a letter from XXXX XXXX XXXX stating I owe on a XXXX account in which the account number does not match my credit report for XXXX. They are saying I made a payment in 2012 in which I did not. My XXXX account has been paid off as agreed and now the attorney wants proof of that. But they have a different account number. I do n't understand I think its fraudulent. The balances from both accounts are similar but they do n't even match. The attorney is sending me a dispute packet. They have submitted court documents also ... this is n't fair.
On XXXX XXXX we did a wire transfer to a beneficiary we 've known for a long time, using the wire transfer services from Bank of America. This was not the first time we wired the same company. We have for many times sent money from the SAME ACCOUNT and TO THE SAME ADDRESSEE. And at all times except this XXXX our supplier got the money with no major issues. This time the money was NEVER received and Bank of America says that there is nothing they can do if the other part did not get the money. They suggest me to contact the intermediary bank! HOw come? Is with Bank of America I deal with! This is at Bank of America I deposit our money and " trust ''. How come they CAN NOT BE HELD RESPONSIBLE for a wire transfer service if they charge to do it??? 

This is the information on the XXXX : XXXX XXXX : XXXX XXXX, XXXXAccount Manager XXXX XXXX XXXX XXXX Number for XXXX XXXX Number I received XXXX from Customer Service @ Bank of America XXXX XXXX XXXX XXXX XXXX - Ext XXXX email is XXXXXXXXXXXX and my ph number is XXXX
I was trying to purchase three clothing items off of a seller 's XXXX  ( XXXX ). I have messages back and forth confirming he will send out immediately with tracking. I paid through PayPal, and he blocked me on XXXX, will not respond to emails, never sent the items, and will not refund me my money.
Received a mailed offer from AAdvantage/Citibank in my name with a specific code offering a XXXX mile bonus with XXXX XXXX if I spend {$3000.00} in 3 months. I applied and was accepted, receiving the card on X/XX/17. I then spent {$3000.00} within 3 months. I did not receive the bonus and contacted Citi. They said because I had the card previously and closed that account within 24 months, I did not qualify for the bonus. The mailed offer did not state this, and the information received with the card makes no mention of this. If I did not qualify for the specific offer that I applied for, I should have been denied the card, not sent a new card, indicating acceptance of their offer.
I was a victim of fraud several years ago involving a NetSpend card. My frequent flyer program has a deal with NetSpend and I VERY much want to take advantage of this offer, however they have denied me twice due to past fraud. I was the VICTIM and feel it is very poor business practice I get punished for someone else 's crime. I have provided every answer to idenity questions and will provide documentation of idenity if needed. This is NOT a credit card, as you know ; it is a refillable debt card so I don't see why I am being denied. The past fraud involved an XXXX gift card. Please rectify this problem.
Chase  auto finance reported a late payment. Payment was made in beginning of the mouth I called several day after to conform payment went through. Persons on the phone told me it did go through. I now noticed a credit drop for non payment. When I was told by them that te payment had went through
I have been getting charged {$26.00} from XXXX every month for years now. They are charging me and I don't receive any services from them. I called and they cant find my account, but on my citibank checking account bank statement every month i'm being charged the {$26.00}. I am XXXX years old and living on fixed income, these charges are effecting my life.I am not covered by XXXX and despite my attempts I am never able to get stop these charges as they claim they can not find my account, but clearly they are still charging me every month. They sent me a policy tracker I mailed it out and never received a response.
My wife and I recently bought a house ; the escrow company we used was suppose to pay XXXX of my credit cards, XXXX with XXXX XXXX which was covered right away within the month the XXXX XXXX was with Wells Fargo which as of today has not been paid. They have me going back and forth with Wells Fargo and the closing escrow officer. Wells Fargo tells me the check was rejected while the escrow closing officer states the funds have been withdrawn, that the check was cashed by Wells Fargo on XXXX/XXXX/2015. Im still paying interest on that credit card and yet no one can tell me where that money is to pay off the credit card.
I received over five phone calls yesterday from Tidalwave Finance. I am 11 days late. I have given dates for payment which was accepted by one loan officer and then I get a call today. They called all my references and my hr department and are continuing to call me today.
I closed my charge card with American Express ( here refer to as " XXXX ) within the 30 days time frame but XXXX failed to refund the annual fee to me. XXXX 's refund policy states as follows : " If an Annual Membership fee applies, we will refund this fee if you notify us that you are voluntarily closing your Account within 30 days of the Closing Date of the billing statement on which that fee appears. ". 

XXXX charged me {$550.00} annual fee on XXXX/XXXX/XXXX and I closed my account on XXXX/XXXX/XXXX, which is within the 30 days time frame. I called XXXX customer service four times regarding this refund. Every single time the representative told me that they will take care of it and the refund should be credited to my account within 48 hours. Unfortunately, I have not received any refund. I am asking CFPB to look into it and see what you can do to help.
This specific XXXX/XXXX ( Account # XXXX ) credit limit of {$500.00} was once deleted on all three credit reports ( XXXX, equifax & XXXX ) and now i see that they are back. Please delete This specific XXXX/XXXX ( Account # XXXX ) from all three bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having This specific XXXX/XXXX ( Account # XXXX ) removed from all three credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!
Bank of America manipulated the order of the transactions in order to charge overdraft fees. I checked my balance through the app and the website on Friday ( XXXX/XXXX/16 ) and Saturday ( XXXX/XXXX/16 ) and I had a positive balance in my account. I also received a transfer to my account on Saturday and at this point, my account still was in a positive balance. I check my balance on Monday ( XXXX/XXXX/16 ) and I found out that Bank of America charged XXXX overdraft fees on Friday. From these fees, there is XXXX that calls my attention ; I made payments to my Bank of America credit card on different days, but they process XXXX them on the same day so they can charged me more. In summary, they manipulated the order of the transactions so my account would look with not sufficient funds, when in relaity I had funds during the while weekend.
Equifax is incorrectly reporting an account under the name " XXXX XXXX '' for the amount of {$17000.00} to my credit. The account number on my report is " XXXX '' with an open date of XX/XX/XXXX. I have never made business with this bank so I do n't understand why such a large past due amount is being reported on my Equifax file. I have filed disputes since XX/XX/XXXX to get this account deleted but Equifax has disregarded my disputes as frivolous and turned them away. I do n't understand how this is possible. XXXX and XXXX are not even reporting this information to my credit so this does not make any sense. In one of Equifax 's letters, a contact number was provided for this bank so I have called and spoken to their representatives more than once. My personal information does not match the details they have for the account. Something is clearly wrong and I need this to be addressed immediately.
i am really concerned i went to college for XXXX semesters on the XXXX semester i was informed by the school my loans didnt come through so i would have to pay out of pocket so i quit. 2 years later XXXX contacts me and tells me i owe them money which i knew but also said i owed for the XXXX semester when i asked for what they send they sent a check to me now i did not receive that check and i went to the school to ask and they said that it was sent to a XXXX party hence they could not give me the name i had to contact XXXX i did and they said it went to the school. well for the last 8 years they XXXX have taken my taxes in the amounts of XXXX. XXXX, and etc now my loans were for all together XXXX it is now XXXX i had gotton a letter from navent which is i guess sallie mae and they said i still owe XXXX when i went on the website it sais i missed a XXXX payments they have never sent me a thing on how much a monthly payment would be. i took action with the department of education in XXXX to help rehabilitate my loans and get this scquared away so that they dont take my taxes in XXXX that is what i was told if i paid this act company they wouldnt take my taxes and the new company would send me a booklet of payments i have not received anything but this letter today. i have been on hold for 2 hours and 8 minutes i finally got to someone who send they couldnt help me and directed me to someone else that could help it is now XXXX oclock and ive been on hold from them since XXXX and now they have hung up i called back to only receive another recording saying it will take another 30 min. all i want to know is what is going on with my account and why they have no record of the irs taking my money and sending it to them i have documents saying it was paid. now on nevents site it sais i owed XXXX in XXXX but i never got anything saying this was the company i was supposed to send money too. i have talked to numerous people about this company and everyone has said the same thing customer service workers there will not answer your questions and some people have paid money to this company to find out when they check their status that it was not put into their account. so where is all my money going to if its not being paid i just want to pay my debt but every place that has asked for money for XXXX and i pay it has not went to XXXX its always XXXX parties they are scamming us and it needs to stop. so please i need them XXXX or navent or someone to call me this is very frustrating not to mention they want to garnish wages but yet i dont know if this money is actually goimg to XXXX because i stilll owe all this money in which i didnt even get to finish college for
This debt was paid off through XXXX XXXX XXXX on XX/XX/2018 This other company is trying to collect the same debt.
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity XXXX CFPB remove XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX  XXXX
Hello and thank you for your time!! I am a XXXX year old XXXX currently approx. {$140000.00} in student loan debt with a monthly payment of {$1500.00}. I have made multiple attempts over the years to try and lower my monthly payments and have also tried to refinance and consolidate my loans, and have been unsuccessful in every attempt. My loans are private and thru Navient and XXXX XXXX. Do you folks have any advice or help to offer? Thank you so much!
I have removed personal information from the email I sent below. I believe the email describes the issue accurately. Bayview Loan Servicing has not taken any action to correct the error. They are a predatory loan servicing company attempting to strong-arm me into paying a debt I am not responsible for. It is impossible to reach anyone at this company and they do not respond to inquiries and requests other than to gather information to hasten and expedite foreclosure ... notwithstanding what they have done to destroy my credit. 

" Per my discussion with XXXX, Loss Mitigation, on XX/XX/2017 regarding the subject loan, I have been asked to notify your Customer Service Department to take immediate corrective action. You have reported delinquent payments and assumed a debt to me that is incorrect. I am not a borrower on this account and my credit must be restored to its excellent rating. 

The subject mortgage is that of my parents ; I am not a borrower on this account. It has been confirmed on previous occasions that I am not a borrower on this account : as such, Bayview refused to provide information on my parents ' behalf because I WAS NOT ON THE ACCOUNT. After the death of my mother, I was able to request a pay off statement only upon providing documentation as having Durable Power of Attorney on behalf of my father to offer the property for sale. However, Power of Attorney DOES NOT assume my parent 's debt to me. XXXX also confirmed during this most recent phone call, that I am not listed as a borrower on this account ; and, he was unable to explain why I have been named on the mortgage statements, nor why Bayview has provided adverse credit information seemingly destroying my credit rating overnight. 

Perhaps it is a simple mistake on your part as my name appears on the deed for the property. However, please be advised that I am not included on the Note or Promise to Pay ( this was confirmed to me by the attorney of closing ) and I am not responsible for the debt. The adverse actions you have reported to the credit bureau have increased my debt to income ratio to an unacceptable FICO standard and the delinquencies you are reporting have devastated my credit rating. You have detrimentally affected my financial well-being, as I had an excellent credit rating - and was considering the possibility of purchasing my parents ' property myself. Now I have limited borrowing ability and my creditors are questioning my ability to pay. Hence, Bayview Loan Servicing must remove all incorrect, improper, delinquent and adverse actions reported to my credit immediately. I have no personal obligation to repay this debt, but will pay the account in full upon sale of the property ( which is the preferred account resolution ). 

Again, please respond with the immediate removal of any information Bayview has provided to my credit. It is my hope that you will correct any negative actions against me as quickly as my excellent credit was destroyed. Of course, if you require any further information, do not hesitate to contact me. My contact information is provided below. 

Thank you for your prompt attention to this matter. "
Chase Banks after 3 years of stress and uncertainty, and after declining XXXX all cash offers finally Approve a short sale offer on my home. If selling a home that I have lived in for 21 years is not stressful enough. They gave the funding date a week before XXXX. Now because of that I only a one day to vacant the property. This caused me a considerable amount of Stress, I 'm a year old XXXX, and just about had a XXXX. So then the buyers agent comes to the door of my house to have the locks changed. I tried to find an apartment but it is very hard especially during the holiday season.
Aside from receiving calls from XXXX of Midland 's XXXX phone numbers frequently, they were dishonest about an agreement we reached. I was led to believe that by paying the alleged debt in full that their trade account would be removed from my credit reports. That 's the reason I paid the debt in full. After making payment, I called to confirm that the trade line would be removed from my credit reports. They stated they no such agreement was made, and that they do n't do that sort of thing. I could have paid 25-50 % of the debt balance as a settlement if they were n't going to remove it from my credit report. They conned me into thinking they would uphold their end of the bargain, but it was all lies. They also sent paperwork showing that I only paid {$590.00}, but the check I attached clearly shows a payment of {$730.00}.
On XX/XX/ I XXXX XXXX XXXX spoke with XXXX XXXX from Capital One mortgage on a recorded line and was told the reason that I was denied a conventional loan was because of lack of installments such as a car payment or furniture payments. I was told by a XXXX XXXX  that He would look into this talk to his manager and try to get my loan manually looked at by an underwriter. I request a callback from XXXX XXXX and five hours later he called me back rudely told me " Im not lying to you this is how I get paid and XXXX you are NOT going to get the loan. '' Our call got disconnected he never called back. I an hour after being on hold talk to XXXX  who fowards my information to manager XXXX who procedes to tell me that I am indeed denied and because of my lack of credit lines open my use of credit on one of two credit cards was not enough to prove credit worthiness and that ratio of my use of these credit cards are too high of a percentage of credit debt and that this killed my chances of getting a loan. My compliant is that I was givin the run around for several hours told two different reasons of why I was turned down from loan and I was talked to very unprofessionally and I was never asked for provide proof of any of my information on my loan application. Apparently XXXX submitted my loan to underwriting but when he spoke to me the second time today he failed to mention this fact which led to me holding on the phone for 55minutes to speak about my application with XXXX. I am distraught that my chances of getting my home have been completely dashed and my time has been wasted.
HI. I have been trying to get a loan modification from Wells, Fargo Home Mortgage. 
I am under a sheriff sale in less than 3 weeks ( XXXX/XXXX/2015 ). I have written to you about this and Wells, Fargo just leaves me a message that they are looking into it. 
I submitted all the information they wanted on XXXX/XXXX/2015 ( the day they told me it had to be in ). Then they sent me a letter that the information was to old a week later. My last letter from them was on XXXX XXXX, 2015 from XXXX XXXX, SVPand it states that they are looking into the inquiry from CFPB and I will have a result by XXXX XXXX, 2015. I have not heard anything from them. 
Please help! We live on XXXX. I ca n't sleep at night. 

Thank you, XXXX
I am writing because I am one of many citizens that are in a status in which HARP does not help but yet, we suffer from the same problems. I bought my house back in 2005, shortly before the fall of the housing market. Like millions of others, I was under water ( almost by 1/3 ) as soon as it happened. I have not been able to get any help at fixing my situation and am worried about losing my home and maybe even having to go bankrupt. Not something that is appealing to me. I am not trying to reduce what I owe, I just want to get into a situation where I am not at risk by the rise of the interest rates. I understand that it is because of my ignorance and not truly researching my options when buying my home. It was just a dream and the builder made it so easy to get into the house and told me I would be able to refinance within a year. Well, that opportunity never presented itself after the decline in the market. I am a veteran and should have used my veteran 's benefits, but did not. I am not sure why we are excluded from the help that millions of others that just happened to use XXXX XXXX or XXXX XXXX are provided.
I went to pay my bill at the office of this company the day that it was due but the office was closed so I was unable to make the payment. I paid it the next day at their office because their website was unavailable to me to use and they reported m e 30 days late when it was only 1 day late   and it was only because their office was closed.
I submitted a claim with discover price protection and they denied my claim based off a service provider and not the actual product claim ( # XXXX ). I was told I would be able to be approved for the claim. I purchased the same exact XXXX XXXX XXXX.
I saw a lower interest rate with the Citi XXXX XXXX so I could transfer a high interest rate credit card to a lower interest rate loan. When I spoke to the rep at Citi and I was told the amount of the loan that they would give me of {$500.00} I told them I had to think about it. The {$500.00} was not enough to cover my credit card debt. The next think I know I have an approval with a credit card. It has taken me several months to submit this complaint, but I do want this taken off my credit bureau score. I have submitted a letter to Citi as well.