WillisBack/dataset-financial-user-claim huggingface dataset:
My credit/debit card number ( I had possession of the card ) was compromised and used at a gas station some hour plus away from my home local. Then, there was at least XXXX attempt for use of my card the next day XXXX XXXX XXXX, 2015 ) XXXX, I am XXXX. The only reason the XXXX XXXX attempt failed is because I had called the bank regarding the " pending '' charge from the gas station that occured or had a date of XXXX XXXX, 2015 ( called immediately ). I received a letter on Sat, XXXX XXXX, that the activity was normal and no error had occured. Well unless Pennsylvania is a normal activity for me, which it is n't, the bank is just refusing to take care of a fraud issue. Granted the charge for gas was {$48.00} but had I not caught it, I could have had a major problem ... not to mention every penny counts in my household! My understanding is that I am not liable for these charges since I physically had possession of my card and the number was stolen. The bank, Regions, is being tacky and refusing to look into the " actual '' authorization activity on the account. The investigators did n't even use this information before sending me a letter of denial. I then called and spoke with a resolution specialist. I still have yet to hear anything but feel this case is being swept aside by Regions. I am being forced to jump through hoops and 2 hour long phone calls to no avail. I am the victim here! Why should it take so much for me to get a resolution?! Their actions, or lack there of, are unacceptable.
My Ex-husband has n't filed his taxes since 2010. A tax lien was placed on all of my credit reports. I have been given a document stating that this tax lien is not mine and asked all XXXX credit bureaus to remove it. XXXX + XXXX have changed their report but equifax still has it listed as my lien. I have a tax lien release paper that says I am not responsible. Please have equifax remove this lien that does not belong to me. And a copy sent to me stating it has been removed so my credit score can go back to where it was please? Thank you XXXX XXXX
I cosigned a loan for my stepdaughter with Bank of America. I went into Bankruptcy in 2011, but between my stepdaughter and I, the payments were made according to bankruptcy ( which BOA agreed ). The loan was turned over to XXXX who then turned over to a law firm in XXXX because they said we did n't make payments. Both my stepdaughter and I proved we were making payments. He instructed us to not make any more payments until they could figure out where money was going. Subsequently, they turned over to law firm in XXXX-who threatened to sue us for non -payment. My bankruptcy lawyer got involved and all the documentation was provided to show that not only were we making payments, but we were ahead of schedule. I talked to lawyers in XXXX XXXX and we came up with payment plan for rest of it ( which is paying faster than bankruptcy said we had to ). All both my stepdaughter and I want is this taken off credit report. It shows I 'm behind 120 payments and owe almost 5,000 dollars, when in fact made all payments on time ( except for the few months their lawyer told us not to pay ) and actually only owed XXXX dollars. None of the lawyers would help with the credit companies. I know student loans complicated, Im just asking for our credit report to be accurate Thanks.
On XX/XX/2019 I had a hard inquiry by XXXX XXXX, Fl XXXX National Credit Cards Airlines I never asked, signed up or gave permission for them to do a credit check. I live XXXX, Indiana. I have never heard of them. It stays on my report for two years. I looked into the company and several people commented that they only got a run around and received help through you. I would appreciate your help in getting that hard inquiry removed from my report.
I'm here to complain Citibank that 1 Citibank made the promised sign-on bonus illegible by closing my checking 's account without notification. 

2 Citibank made misleading advertisement on their sign-on bonus offer. 

I signed up for Citibank 's sign-on bonus offer in XX/XX/XXXX per their ad online. I can't find the version but the current version can still be seen at where the only difference I can see is the updated date : XXXX XXXX   XXXX? XXXX & XXXX On that page it states 4 requirments : " Heres How it Works : Open a new eligible checking and savings account in the Citibank Account Package between XX/XX/XXXX XX/XX/XXXX . 
Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 consecutive calendar days. 
Get {$400.00} deposited to your account! '' I funded {$15000.00} to the saving 's account and kept the fund there for over 60 days which is due on XX/XX/XXXX. I called in and talked to a Citibank 's financial adviser and was confirmed that I'm qualified for the offer. But I received an email from Citibank on XX/XX/XXXX to inform me that I " have not fulfilled the Offer 's required activities '', and the reason is that my checking 's account is closed by Citibank per their policy of " XXXX  balance for over 90 days '' but without my permission and without any warning/alert/Notification. 

Therefore, this " non-XXXX balance in checking 's account '' should be the fifth requirement on top of those four mentioned in their advertisement, but Citibank failed to stated it clearly along with the current 4 requirements in their advertisement. Instead, it's only in the fine printing, which is very misleading. 

I called Citibank multiple times and talked with 2 supervisors, they wont make it right but only agreed to submit a dispute for me.
Applied for a refinance of our mortgage with Wells Fargo Mortgage department with XXXX XXXX, Home Mortgage Consultant - XXXX ID XXXX. I submitted all the paperwork with the help of my husband and then XXXX said that we could use the previous appraisal. That was on XXXX XXXX, 2016. We waited 2 weeks then he said that it was in some committee and they were deciding IF it could be used. I told him let 's just get a new one. Another week went by and still no decision so we contacted his manager XXXX XXXX. XXXX did n't get back with me and when he did he said he " forgot '' to contact XXXX. We never heard why they could n't use the old appraisal. On XXXX XXXX, 2016 XXXX said he would order a new appraisal and to contact him if we did n't hear from anyone. We contacted him on XXXX XXXX, XXXX XXXX and XXXX XXXX and each time he said he would escalate it. Today I told him we want to speak with XXXX XXXX 's manager. XXXX refused to do so and wrote the following " No need to be rude. I am trying to get this handled just like XXXX is. I thought you were asking me for his information again. '' Yet he never gave us that information. XXXX XXXX was cc 'd on the e-mail and never reached out. We called his office and his cell. No return call. His cell 's voicemail was full. XXXX is no longer reaching out to us and our 60-day lock expires on XXXX XXXX. We still do n't anything about getting an appraisal. Our fear is that because interest rates have risen they are trying to stall so we 'll have to pay a higher rate. We think so because XXXX kept pushing us to get a 30-year loan with a higher interest rate rather than the 15-year loan. Interest rates have risen. We are 34 days into a simple refinance and we are still getting the run around. We escalated to their " mortgage escalation department '' and XXXX XXXX said he would look into it on XXXX XXXX, 2016. He called on XXXX/XXXX/16 and just said he would contact XXXX and XXXX, which obviously, was n't going to help. XXXX XXXX would n't give us XXXX XXXX manager 's name either and did n't return our phone call on XXXX/XXXX/16. We still hope to close and just would like a new mortgage consultant to take over OR for someone with a higher level within the company to supervise them and allow us to close on or before XXXX XXXX or give us an extension on our lock date.
XX/XX/2007 to Present. I noticed I had paid {$23000.00} in Capital Interest, {$14000.00} in principal and {$19000.00} in interest. I also was seen my due payments going up faster than going down. I three loans a Consolidation Loan ( {$21000.00} ), a Parent Plus Loan ( {$18000.00} ) and Cosign Signature Loan ( {$7500.00} ) for a total {$47000.00}. My current loan for Consolidation Loan is now {$30000.00}, Parent Plus is at {$23000.00} and Cosign has been paid off. When I check my credit report it stats I am 37 % over my Credit Limit for these loans as that my credit limit is {$39000.00} and my balance is {$53000.00}. this is having a adverse effect on my credit score. I received emails about deferments and forbearance and was told there would be a one time fee and no interest. see attached please. I just need to know if the Capital Interest were legal or not.
I purchased my home in XXXX of XXXX and since RoundPoint received my account in XXXX of XXXX it has been a complete mess the first year RoundPoint tied my account up with another persons and paid from my escrow account a resident in XXXX County 's taxes and never paid my XXXX County and City of XXXX XXXX taxes and I did not find out until I got an outstanding bill from XXXX County and the City of XXXX XXXX, I called them and they assured me this would not happen again and that they had my account all cleared up. The very next year Round Point failed to pay my taxes for either yet again and I ended up paying 2 years of taxes in 1 year to catch up after I got a foreclosure notice due to their failure to pay the taxes that I pay into every month through my house payments. Now this year again i emailed them my tax bill due ion XXXX/XXXX/XXXX and I go online to check my account and they have again not paid my taxes but paid someone else 's taxes in XXXX County totaling {$1000.00} out of my escrow again and still have n't paid my City of XXXX taxes of {$410.00}. At this point I have been burnt 3 times by this same company and I have been more than patient with them and for this company to not handle my account in the proper manner I need my mortgage moved from underneath this company there is no repairing this mess and unprofessional behavior. I am so frustrated and disappointed not to mention very angry that they have paid another persons taxes out of my escrow for a second time is just unbelievable! this is my second time I am making a formal complaint against this company I want to move my mortgage for good no action can repair this incompetence.
While searching for a loan to help my wife cover expenses for a new job I applied with LoanMe, who offered to loan the money to me. When I was contacted by telephone initially I was not ready to make a decision without giving it more thought. The company immediately began to call me multiple times a day for the next few days to convince me to take the loan. 

When I began to acquiesce to their pressure my wife was still concerned about how the interest was computed and was told simply that it would be best to pay it off early. No one mentioned while on the phone that this loan was a XXXX. 

I decided to borrow the money from them and set up automatic payments and when I decided to stop this method of payment I was once again harassed constantly by phone to continue with automatic payments. I had to fax my wishes to the company in order to make them officially accepted by LoanMe. Even then I was pressured to reestablish automatic payments with whomever I spoke on the phone from that time on. 

Over the past few months I made most of my payments on time, paying off two-thirds of the principal. The practice of calling me constantly, whether payments have been timely or not, has never abated. The company uses multiple locations and phone numbers in an effort to disguise themselves but I learned to recognize these sources and ignore the calls. 

I was infuriated to discover when I went online to check my account that I owe much more than what I have paid so far. I checked LoanMe 's website and discovered that I had made a XXXX. This term was never used by anyone from the company in my initial phone consultations or any calls that followed ; to myself or my wife. 

Now, for some reason, I am unable to access my account online with the sign in information I have used many times before. I can only assume that LoanMe has locked me out because of recent late payments. 

I wrote a letter to the company to explain to the how I felt about their predatory practices and offered to pay what I owe on the principal. They responded by letter with the details of my contract but no mention of my complaint or of my offer. They later sent a second letter offering to settle for almost double on my offer. I did not respond. 

I do not question my responsibility to pay back what I borrowed. I do question the character of the company and the method in which they pursue and catch their customers in order to make inflated profits on their financial products. I certainly feel like prey. 

I appreciate all of your efforts to help resolve the issue at hand.
Navient did not release my cosigner due to difficulty successfully securing my payment, even though the money was in the account and they had difficulty due to the bank marking their withdrawal as fraudulant. I was living in XXXX and they never provided a reliable way to pay my loans with my XXXX XXXX XXXX, even though the bank card was a registered Mastercard and separately a registered Visa Debit card linked to a very well known bank. 

Years later, after paying at 12.5 percent interest, they offered to settle the loan if I paid them XXXX in a lump sum. They told me that they would accept the XXXX, apply it to the principle balance, and I would be able to pay XXXX a month for the rest of my life or to fulfillment of the loan. I paid the lump sum and set up automatic reoccurring payments to fulfill the 3 month on-time payment rule to apply the XXXX to the principle and initialize the XXXX dollar a month payment. I continued at XXXX per month for two years and when I finally checked my loan balance, the loan was XXXX higher than when I paid the XXXX 2 years prior. 
I contacted Navient, they told me that they had difficulty securing my third payment of the 3 on time payments, thus it cancelled the contract. The XXXX vanished due to interest and a reoccurrence of XXXX a month for two years when the payment at XXXX was needed to suffice 12.5 percent interest. 
I 've stopped paying the loan 2 years ago because I simply can not pay XXXX to navient a month, plus another XXXX to XXXX per month. I 'm now paying XXXX a month to Navient to try and pay one of my XXXX private loans. They harass me constantly and say its due diligence. I 've asked for my XXXX back since they did not apply it to the loan and did not honor their contract ( which I 've expressly asked for IN WRITING, they never emailed it to me of course ). 

Please help me, they are ruining my life and I can not pay my student loans.
Two fraudulent charges fro {$450.00} were made at the XXXX XXXX on XX/XX/XXXX using my card number. I was in possession of my card the whole time and was out of state the date that this purchase was made. Citizens Bank froze my card in response to the fraudulent charge, I then called them on XX/XX/XXXX to confirm that the fraud was fraudulent. The representative I spoke with said that the charge would be removed and that Citizens would send me a new card. I received my new card and my billing statement was updated to remove the amount. 

On my XXXX billing statement, the two charges of {$450.00} were placed back on to my account, as an " account adjustment. '' I immediately called Citizens to dispute why the charges were placed back on to my account, as I had verified them as fraudulent, and under federal law I could only be held responsible for a maximum of {$50.00} of those charges. I was not able to get a response as to why I was re-charged for these purchases, and was told that the customer representative was " emailing the fraud investigator '' and that I would hear back in 2-3 business days. I heard nothing from Citizens and called again on XX/XX/XXXX and was told the same thing, that the representative would email the fraud investigator and that it should be removed from my account. This time I was told that it would take until the end of the week ( XX/XX/XXXX ) to get a response. I again received no response, so called today, XXXX, to again follow up on this issue. I asked that the issue be escalated to a supervisor and indicated that I would be filing a complaint with the CFPB and cancelling my account.
XX/XX/2016 I missed a payments. I had moved due to job relocation out of state. I contacted XXXX XXXX XXXX   XX/XX/XXXX and has yet to receive an email conformation back in regards to my situation. I have been a loyal customer for 9 years and never had any issues with Navy Fed.
Trans Union keeps adding a address to my credit report which is not mine and belongs to another person XXXX. For this reason, I keep getting bogus collection calls from companies stated I owe money for a debt that was never mine. I live in XXXX state and has for over 10 years. Please have Trans Union remove the address and phone number from my report. They have inserted this address XXXX times and I dispute each timeAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone XXXX. Thank you
This is actually my second complaint against the Credit Reporting Agencies this year. I placed a dispute in as I am victim of Identity theft in XXXX via the mail and I received no response. I then went forth to upload direct into the CRA and sent the dispute via fax at the end of XXXX. The dispute was submitted with supporting documents on the basis of Fair Credit Reporting Act, Section 605b which states that a victim of identity theft that has accounts breached or established without proper authorization or benefit should be blocked in 4 days. I have attached the supporting documents to this complaint entry.
There are 4 accounts on my credit report that i have never opened cor applied for credit with. I contacted the companies (
XXXX, capital one & XXXX  ) directly as well as XXXX XXXX  amd XXXX.

They have not removed this information from my report. I asked them for the documents and any copies that they have with my signiture and there was no answer. I want thia removed from my report these are fraudulent accounts that were opened.
With regard to complaint  XXXX , Transunion reported that they have taken the accounts in question off my credit report. However, I just got a monitoring alert from  XXXX   XXXX , and not only is at least  one  of the accounts in question still showing up, but it has possibly caused my FICO score to drop significantly.
can not get credit score number. Sent a check to pay for credit score number/ Just got a report. XXXX XXXX XXXX Lending officer tried to get score still dint show any score/
I have XXXX hard inquires on my credit report from the same company that I dont recognize. Theyre from XXXX and theyre hurting my credit score. Its unfortunate that these are on my report. I dont recall making those inquires.
The debt collector Diversified Consultants has my account from XXXX XXXX XXXX for XXXX I have explained to them that this is not correct. XXXX XXXX XXXX was charging me for Data that was supposed to be unlimited as per my contract, but continuing to charge for data. I found out later this was not unlimited. I filed complaint with FCC and FTC. They currently have a lawsuit with XXXX XXXX XXXX. I want this removed from my credit report.
I received medical treatment for an XXXX at XXXX XXXX in XXXX, GA on XXXX XXXX XXXX. Following the treatment my insurance and I were billed directly from XXXX XXXX - the bill was paid accordingly. 

In XXXX of XXXX I receive a collection notice from Lanier Collection over the amount of {$150.00} regarding services I supposably received at XXXX XXXX XXXX '. 
I did not receive any treatment from this provider nor was I sent a bill. I requested further documentation that I received treatment and/ or owed this amount and after the collection agency LCA failed to do so I disputed it. 

It has now been flagged as unpaid on my credit report ( XXXX ).
Collection bureau failed to provide 30-day notice at commencement of their attempts to collect. I disputed the debt, which has been erroneously attributed to me, and the collection agency has attempted to collect the same amount from multiple parties, which, if successful, would be unlawful.
I got another phone call today from " Portfolio Recovery, '' however, I have already asked them to cease and desist communication due to failure to validate the account as requested. I sent the last request on   XX/XX/XXXX    , attached hereto, to which I have still not received any written correspondence to validate this. I am however receiving phone calls still, after asking them to cease and desist communication due to their failure to comply with FDCPA regulations in providing validation for the account.
XXXX XXXX XXXX is charging me {$2100.00} in debt but does not make sense because I had insurance at the time so that total is incorrect.
According to Alltran 's record, they received my student loans with a balance of {$38000.00}, from two consolidation student loans that I refinanced on XX/XX/XXXX for {$21000.00} and {$6900.00}, respectively ( although that is a dispute by itself ). They received this account in XX/XX/XXXX. So the defaulted loans were not paid from XX/XX/XXXX-XX/XX/XXXX ( 38 months ) by the time they received them. They both have a fixed interest rate of 5 %. No other fees were indicated prior to defaulting. So the total amount in fees, using a compound interest calculator with a 5 % charge would make the new balances for the loans {$8100.00} and {$25000.00}, or a total of {$33000.00}. In that contract, the fine print indicates that once it's defaulted, the collection company ( Alltran ) MAY add up to 18 % in fees for collection. Even if that was done according to the contract, that would be a total of {$6000.00}. The cumulative total would be {$39000.00}. This year, without any formal notice or anyone reaching out to discuss repayment options ( or without any bills or other correspondence ), Alltran garnished my tax return for {$8400.00}. If that was applied to the total balance, which is have reason to believe is completely inaccurate, that means my total debt would be {$31000.00}. The excess fees are not in the contract. The interest accrued and charges are not in the contract.
I have requested information and documents from this mortgage company to no avail to the point that it 's frustrating. When I do get a response I am told that the information will be forwarded to me but they do not do so. I 'm on this trend since last year and still do n't have a resolution to the matter. All I want is a billing statement translated to the XXXX language since the mortgage branch is located in XXXX XXXX. The billing statement is to disclose information regarding insurance, property taxes and others.
I received a demand letter for {$9100.00} due XX/XX/XXXX. However I have not received anything regarding the request for modification. I did however receive a letter with my contact phone number of XXXX which was my XXXX 's phone number who XXXX XXXX XX/XX/XXXX so the number is no longer active and I have no idea where they got the number? I have emailed the 62 page documents along with the RMA. I was told page five of the RMA was not dated but I am looking at it and it was dated XX/XX/XXXX. Please modify my mortgage!
On XX/XX/XXXX, I received a settlement offer on PayPal indicating to pay a reduced amount of the total amount due. These are the words exact words of the settlement plan from PayPal on my PayPal account : " Settlement Plan The Settlement Plan lets you settle your account for 70 % less than the full balance you owe. '' I spoke with multiple PayPal personnel and even though they see and agree with what it says they will not grant me it.