WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insura nce C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible  XXXX   XXXX   XXXX   XXXX  -  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX    XXXX / XXXX / XXXX   XXXX    XXXX   XXXX    XXXX    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  Please remove these inquiries from my credit report immediately
Merchants Credit Guide XXXX XXXX XXXX XXXX XXXX, illinoi XXXX XXXX This is a multiple offense of a company that has issued collection on my credit report. Each report was found unsubstantiated by all Credit Reporting Agencies. I placed a note on my record after each company investigated to refer to their own investigations before reporting the above and fraudulently adding same to my credit profile. They never produced a bill and can not prove the charge. I wish to report them and THE CRA 's for being negligent. I do n't know how to keep this from recurring.
I was shocked when I reviewed my credit report and found three late payments for the following dates : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.
My mortgage loan servicer, NationStar Mortgage, blindsided me by applying principal payments to my mortgage without any notice. This came on the heels of an interest rate increase, and the two combined make my payment 150 % of what it was previously, which is a significant increase and causes a financial hardship for me. 
Apparently, my note was interest-only for 10 years or XXXX payments, so they are within their rights. However, I would expect a reputable loan servicer to make sure their customer was aware of this type of increase well in advance. To expect a consumer to remember a change 10 years after signing the note is not reasonable. 
Furthermore, at NationStar 's behest, I have been paperless for a while. Each month, I receive email notifications of payment due and paid ; these have been the same for so long, there 's no reason to look at statements without being alerted of a change. I have my notifications set to alert me via email of changes in escrow, interest, etc. In the past, I have been notified of interest rate adjustments via letter and/or email so I know to expect them. In this case, I did NOT get any type of alert about the interest rate increase, and I also did not receive an alert about the application of principal payment. 
When I started investigating, I found a XXXX interest rate change announcement buried in my online Billing Statements ; apparently a notice in Billing Statements does NOT generate an alert to the consumer. In XXXX, they confirmed the interest rate increase and also inserted the principal payment. Again, there was no alert, and therefore no reason to review the online Billing Statement which has been consistently the same for so long. 
This practice seems incompetent at best and underhanded at worst. To add insult to injury, they consistently and annoyingly solicit me to refinance my loan ... and this is after I have already spoken to one of their loan officers who admitted they are unable to help me because they do not have access to accurate info on my property. They claim this is a " problem '' in Texas, so my question is, why do they keep bothering Texans with advertising and solicitation?
poorest mutual communications & understanding. gestapo " got ya '' interrogations. 
PFCU has evolved to become to smart for their own good, my case, my opinion highly provocative, condescending arrogance, one way communication, our way or the highway mantra, of which most reasonable individuals would consider omnipotent. 

pride themselves as professional controllers with all the answers -- applicant is guilty on any questionable issue until they can prove their innocence PFCU has wonderful HRs and Tech Data systems but mesh the two poorly member can not refute PFCU without their reprisal Per my case, obviously, these are only PFCU best qualities, the worst to follow Provoked my graphic expletives superseding my medicated total disability debilitation, intentionally, upon each attempted communication, once adversarial relations progressed at each stage of their unwarranted denial, challenges & condescending
This property is within a Planned Unit Development and is a member of a homeowners association. The owner abandoned this property shortly after the bank filed a foreclosure complaint on XXXX/XXXX/2009. The house has been sitting vacant for over 5 years and has fallen into serious disrepair. The bank is not maintaining the property, and the association assessments are not being paid. The failure to pay the HOA assessments places an unfair financial burden on the other owners in the community because the association 's expenses must be paid regardless of the delinquency. The bank 's failure to maintain the property affects the values of the surrounding properties. Neighbors have reported seeing rodents go in and out of the house through a hole in the wall, causing health concerns. By delaying the foreclosure process the bank has allowed the value of the property to decline, has caused an unfair financial burden on the other owners, and has caused health and safety concerns for the neighbors.
I sent a certified letter on XX/XX/XXXX ( received and signed for on XX/XX/XXXX ) requesting they only contact me via mail and on XX/XX/2016 I received a phone call and subsequent voicemail from this company. I also requested verification of the alleged debt and all I received was a " Disposition of Charges '' that did n't tell me anything.
I recently opened an account a t US  Bank in  XXXX . I deposited a PAYROLL check for over {$900.00} at an ATM machine at a branch today the   XX/XX/XXXX , 2017.      My name is  XXXX   XXXX  The machine told me that my available funds were somewhere just over {$100.00} and that the rest would be available soon. I went and started to spend money on small things I needed for my night/week that were well under the allotted {$100.00}.     Eventually, later in the day, my debit card was  DECLINED  as I tried to buy dinner at a  XXXX   XXXX  in  XXXX . Further investigation showed that my account was now OVERDRAWN by over {$100.00}. Mystified, I calle d US Bank and th ey told me that a hold had been put on the check. I complained, over the phone to the completely resource-less bankers a t US Bank 's  Customer Service Department, that the check was a PAYROLL check and that I needed the money to survive for the next week. They informed me that the hold would be fo r 5 busi ness days which means I will have no access to my own money, from a PAYROLL check, for over a week.     This is unacceptable as I need basic things like food and transportation with my check ( I have never had to wait this long for a paycheck to clear in my life, nor have I ever had a hol d put on one  retroactively after I had already been given a small advance ).
Midland Credit calls my phone 10 times daily from an XXXX call center, I have repeatedly ask them to stop but an hour later they call again, I have spoke with numerous supervisors with no success. I receive calls morning noon and night 7 days a week The number that calls is XXXX, they do not speak very good XXXX. I have been assured they will stop but an hour later I get another call. This has been going on for several weeks.
On XX/XX/XXXX opened new account with Chase and used a new account opening coupon from Chase for the amount of getting XXXX after account remains open for 45 days. On XX/XX/XXXX I received a deposit from a friend to my account the bank accepted it in the amount of XXXX then on XX/XX/XXXX they closed my account with out notifying me found out account was not working when I logged in and could not access account. I called the bank immediately and they said that they closed my account and that they were not able to reopen the account, that I needed to go to another bank for my banking needs since they would not be able to have me as a customer. Only had this account a week and everything was ok until I got this deposit and then everything went South. They will not tell me why or if I will get the money that was just deposited into my account before they closed it. On XX/XX/XXXX received another email now stating that my account that they closed is now overdrawn. Instead of sending my deposit to me they sent it back to my friend and charged the closed account a return fee. And on top of all this because when I opened my account I linked my son 's account to monitor it and they closed his to with no explanation. I will never trade with Chase again. They are crooked.
I have been using Citi credit cards for over 8 years and maintained a great credit status, i.e., no late payment and every monthly statement paid in full. This XXXX, Citi suddenly closed all of my credit cards account without an explanation and refused to issue me the cash backs and mileage points that I earned before closure. And even worse, Citi billed me an annual fee for the AT & T card the month it closed my account and refused to refund me on that annual fee, which was pre-charged for year 2017 and when Citi failed to provide further credit card service. 
Citi failed to provide a reason on why my accounts were closed, and responded arrogantly when inquired, twice. Citi failed to realize the fact their customer service encouraged me making more utilization of Citi cards over other credit cards like XXXX or XXXX ( before closure ) is the reason I shifted my major spending to Citi cards. Also Citi failed to see my opportunity cost of using Citi cards against other cards and refused to issue my EARNED mileage points and cash back, i.e., I could have been using XXXX cards and accumulating XXXX membership points. 
My request from Citi is following : 1. Refund the prepaid annual fee of AT & T in full as Citi no longer be able to provide service on this card and ; 2. Issue the Thank You points and cash back that I EARNED. 
3. Explain why my accounts had been closed when I had no late payment or a statement not paid in full since the beginning of my credit history.
XXXX XXXX is still showing on my credit reports, this is a debt that 's over 7 years old and should automatically be removed from my credit report, the debtor has written this debt off and due to new law ruling passed effective XX/XX/XXXX, no judgments are to be reflected on your credit report also due to : Federal Trade Commission, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, Better Business Bureau, Advocates for Fair Credit Reporting this must be deleted from all 3 credit bureau 's effective immediately and to date this has not happened after several letter attempts to XXXX XXXX and Experian by law this is illegal. Please remove from all 3 credit bureau 's immediately. I was advised from a free legal counsel service which advised it is against the law for XXXX XXXX to attempt to sue for garnished wages of which they attempted to do in XX/XX/XXXX, even the court advised they are not allowed to attempt to ever sue for garnished wages again.
On XX/XX/XXXX I began discussions with a XXXX XXXX seller to purchase speakers. I agreed to purchase them and made two transfers to the seller. The first transfer was through XXXX in the amount of {$440.00} on XX/XX/XXXX, and the second transfer was through XXXX XXXX  in the amount of {$440.00} on XX/XX/XXXX. 

Everything was going as planned until XX/XX/XXXX, when the seller stopped communicating with me and did not ship the items as promised. 

I then asked the seller for a refund through XXXX & XXXX XXXX on XX/XX/XXXX. 

The seller did not provide the refund nor did he respond so I filed a dispute through my bank on XX/XX/XXXX. I also filed a dispute on XXXX XXXX  's website on XX/XX/XXXX. 

XXXX XXXX has responded to the claim and refunded the {$440.00} due to the fraudulent transaction. 

I have attempted to also file a complaint through XXXX which has proven to be much more difficult, if not impossible. 

On XX/XX/XXXX, at XXXX, I called the XXXX customer service number ( XXXX ) XXXX and spoke with XXXX ( Emp # XXXX. ) I informed him of the transaction details and asked him about helping me with a refund due to the fraudulent transaction. He told me he couldn't help me and said that in order to inform XXXX about a person committing fraud through their system I would have to send a letter to their corporate office through the USPS. I asked him to send me an email with the information and to document our phone conversation but he said he didn't have access to email so I asked to speak with his supervisor. 

XXXX, his supervisor, came on the phone. She would not provide me with her employee ID as she said she wasn't permitted to. She proceeded to take down the transaction information and told me she was writing up a report to submit to her supervisor about the fraudulent transaction/user. She provided me with Case # XXXX. I asked her to email me documentation of the filing of that case but she said she was not permitted to send emails. 

The issue with XXXX is they are not protecting the consumer. With their abundant technology ability to transfer money and give people instant access to funds, they aren't using the same technology to reverse fraudulent transactions. They aren't even giving people an electronic way to file a complaint! I believe it is their intent to avoid electronic communication. 

By not providing a way for the consumer to file a fraud complaint and assisting the consumer, they perpetuating the fraudulent transactions. 

If XXXX XXXX provided a refund due to fraud, then XXXX should as well. They have a responsibility as a financial platform to step in to stop fraud, not assist it. 

XXXX XXXX XXXX XXXX  post id # XXXX URL - XXXX XXXX XXXX
I re-financed with XXXX Bank, from Bank of America, on the last day of my 70 day rate lock XXXX/XXXX/15. Bank of America ( former mortgagor ) representative showed up an hour late, without proper documents. I was forced to pay title company an additional {$550.00} because of this. Bank of America had 70 days to locate my documents. Bank of America should be responsible for this cost. I already paid this title company {$3200.00} in fees.
My son attended XXXX XXXX and received private loans from Wells Fargo in addition to Federal loans. Wells Fargo carries the majority of his loans. My complaint is the interest rates these banks charge. I am the co-signer on these loans as well. I believe in paying your student loans, however, I have a problem when I am seeing interest rates of 10.74 %, 6.991 %, 6.490 %, and even 4.490 %. The banks are making way too much money on these student loans and make no attempt to lower these interest rates. I understand banks having to make money, but really??? 10.74 % interest rate!! That seems like gauging to me. I am working with my son now to get these all refinanced into XXXX loan with a better interest rate, but again, the interest that he has been charged over the past 4 years is outrages.
I received a Surplus Adjustment check number XXXX for the amount of {$62.00} for my Ditech loan number XXXX in XXXX 2016. Unfortunately, my bank was unable to process the deposit of the check. I enclosed the check as instructed by Ditech and requested for another one to be sent on XXXX XXXX, 2016. It is XXXX XXXX, 2016 and I still have not received my check. I have called monthly inquiring about the status.
My name is  XXXX   XXXX ,  SSN   XXXX  DOB  XXXX / XXXX / XXXX  I used to have  XXXX  credit cards with  NFCU  back in  XXXX , long story short, I ended up in the hospital and unable to make  payments, account went charged off, I contacted NFCU because the amounts just do n't add up to me, I asked NFCU for a full account audit including contracts signed between NFCU an d me showing my signature as well as a FULL account statement showing why my account is that balance in both of the credit cards by law, if they can not provide with these items, they MUST REMOVE the records from my credit report and they have failed to do so. Also, they have  XXXX  account showing twice in my credit report, so instead of it being  XXXX  accounts it shows  XXXX  accounts.
I have been paying my student loans on time always for years and one of my loans has gone down {$10.00}. I was never offered any assistance with how to manage loans or income dependent payments. I was also wrongfully listed as in forbearance against my will. I called in asking how to lower my interest rate and the representative said to have it reviewed I can not be current in my payments and she stopped my auto debit which I have had in check for 8 years now. I received notification that my loans were in forbearance and called immediately and no one was able to help. Finally one department said they needed to deposit {$1.00} to deactivate my auto debit. It was an awful experience and I was promised everything was resolved and I was never in forbearance. Fast forward a few months I call to release my brother a cosignor and was told I could not because of the forbearance listed on my account. I explained the situation and no one has any notes of anything. I would love for any phone calls to be reviewed to see the error that was made as they imposed this forbearance on my account that was never requested. I have been paying as much as possible since 2009 and the loans do not move. The interest I pay is through the roof and I receive practically nothing back at income taxes because I am XXXX and have no deductions to claim. Anytime I ask for assistance from Navient they have no options available.
I am the debtor 's mother. I am handling this because he has been diagnosed with XXXX and can not handle anything at this time. 

However I am willing to pay this if it, in fact, his debt. But there number on the collection notice only gives me a message " All operators are busy at this time. '' No matter how many times a day I try to call. I do n't want to pay it unless I know for sure it 's my son 's debt. They do n't have his name on the collection notice correctly, so I need to talk to someone about it.
I had my vehicle stolen and burned. I contracted Hyundai XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. 

I have disputed this issues with all 3 credit bureaus ( XXXX XXXX and XXXX XXXX XXXX and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. XXXX list the amount owed as {$4200.00} ... 

Hyundai XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. 

See the enclosed attachments ....
Repeating calls to employer after being told not to call anymore. Calls personal cellphone constantly. Blocked number and now they call as Unknown number
This issue goes back to   XXXX    2016. My  credit card was compromised and I contacted  Syncrony B ank who is the acting agen t for Walmart Corp. Sinc e the initial problem they have re-issued my credit card 3 times and issued credits. I have fraudulent charges every month, have to call them, get credits and complain about their out dated system that does not allow consumers to be alerted of any charges that does not have the physical card present. Funny that  XXXX   XXXX  and  XXXX  have  21st ce ntury technology that does allow such notification. Further the charges re-occuring every month is for  XXXX  with the charges occuring in  New York  even though I live i n South Carolina and never been to New York. Since this mess has started and after reading   about numerous complaints against Syncrony I have quit using the card but they are so stupid that i can not stop all charges withou freezing my account completely but that stop me also from logging into see if I am getting further charges the will not alert me about or even pay my bill.
I have a Circle Gold account at Citizens bank. This is their product that provides " free checking by keeping a monthly combined balance above {$20000.00}. Eligible balances include most deposit, loan and investment account ''. Since I have my mortgage with Citizens I have qualified for free checking on all my associated checking accounts. 

In XXXX of 2014, I noticed a service charge for 5 months ( {$100.00} ) on one of my accounts. I went into the branch and was told that the bank had just updated to a new system and that they were finding glitches. They refunded the {$100.00}. I asked that they please make sure all my other accounts were not being charged. 

One of the checking accounts associated with this Circle Gold account is my XXXX daughter. She came home this summer and asked what the {$20.00} fee on her checking account was. After investigating I discovered that she had been charged a {$20.00} service fee from XXXX 2014 to the present month ; XXXX 2015 a total of {$360.00}. I called the bank and they told me that I only had 90 days to dispute a charge, and would waive that for an additional month 'because " I was a good customer '' and refund {$80.00} of those fees. 

After some discussion with the branch office in XXXX, MA, I was directed to the Regional Manager of Citizens Bank ; XXXX XXXX who explained that my " contract '' said I had 90 days to dispute a change and there was nothing he could do about it. 

I signed up for FREE checking - my accounts have been eligible for FREE checking during this entire time. What part of my " contract '' with XXXX is enforceable - the one that I get free checking? Or the one were I have 90 days to dispute a charge even if the charge was a bank charge that should not have ever been applied AND was applied due to an admitted fault in their system?