WillisBack/dataset-financial-user-claim huggingface dataset:
This is ridiculous and unacceptable. My card got STOLEN, and XXXX & TXXXX Bank made no attempt what 's so ever to contact me through phone, or direct message to my mt bank account. This is crazy I ca n't trust a bank to help me, when indeed my card got stolen and funds taken out!! Of course the transactions were processed correctly, because the money came out the atm, but not into my hands!! I am complaining about my money being stolen, and I need my money back asap!! I work too hard, and with my dad just passing away all this is crazy! I will need resolve to this problem soon, because I will seek further means to get my money back. This is bad business, and banks practices in not helping their customers new or old!! I will contact the consumer financial beraeu, and keep going from there to get my resolve. I am here waiting and thinking the bank is helping me, and instead you do n't notify me until I called or messaged you guys. SICK! YOU WILL HEAR FROM ME EVERYDAY, until this fixed. They said they sent a letter the XXXX that I never got! They did n't call or anything for additional info, they say 10 days to issue a credit, but do their process in 3 days dending your claim.How is that right. I dint have a police report, because the kid who stole my money got fired on the spit for stealing. They have all these terms that as a customer you have XXXX liability for fraudulent charges, yet nothing is done to help me. At that they keep charging my account fees! How is this right in any way?! I will pursue them everyday until I get my stolen money back.
Equifax keeps verifying a bankruptcy but the courts are advisnig me they are not giving Equifax any information so I want to know how it is being verified and I simply do not want them to open another dispute to say it is verified again! 
I am super disturbed that only Equifax continues to list the dismissed bankruptcies as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Equifax has no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you Equifax must delete this information from my credit report and send me an updated copy when this action is completed. Considering that this does not require an investigation, In advance I would appreciate your their within 14 calendar days from receipt of this correspondence.
Their is errors on my credit report that I did not validate or authorize. These accounts/inquires below need to be removed immediately because they do not belong to me. 

REMOVE COLLECTIONS : XXXX XXXX - XXXX - {$260.00} REMOVE INQUIRES : XXXX XXXX/XX/XX/2018 XXXX XXXX XXXX/XX/XX/2018 XXXX XXXX XXXX   XXXX/XX/XX/2018 XXXX XXXX XXXX/XX/XX/2018 REMOVE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX EMPLOYMENT : XXXX XXXX XXXX
I made a transfer to my XXXX account through Money Gram online through the website moneygram.com on XXXX of XXXX. But the money was never received. When I called the moneygram customer care, they said that the account number was incorrect ( Although I do n't believe that ), and the transaction will be cancelled and the full amount will get credited to my account. But I never got the refund. 

When I tried calling them again, they said the receiving bank did n't return the amount and I was asked to contact the Recipient XXXX bank myself, to speed up the process. I contacted the Recipient XXXX bank ( XXXX Bank ), they said that if the account number is incorrect, the money will be returned to the sender immediately. But I was not sure why moneygram is playing with my money. 

Also the moneygram customer care is worst, the customer care officer will transfer the call to second level support which takes at least 20 mins to connect to.
I moved out from XXXX prior to the end of my lease. I gave proper notice & received an email from the manager that explained the fees. I paid 2/3rds of the balance prior to leaving & was informed I would be contacted in 30 days and I could make payment arrangements. I received a letter on XXXX from a company called IQ Data saying I owed and incorrect amount. I faxed them the next day with a copy of the email from my leasing office with the fees and asked them to correct their records and I would make payment arrangements to pay the corrected balance. I also called that afternoon and was told to wait 24 hrs for my fax to get in their system and they would contact me. They did not even tho I provided all my current contact info. I called them back on XXXX. They claimed they did not get my fax even tho I had a confirmation letter. They continued pushing me to pay the debt then and said that it would go to the credit bureau if I did not take care of it immediately. They told me that I could not make payment arrangements and that I only had 30 days from the day I moved out of the apartment to pay the debt. Their letter arrived 30 days after I moved out so I could not have paid it. They refused to listen to my concerns, they were unwilling to consider payment arrangements on the corrected balance and all they did was threaten me to pay the balance as quickly as I could. I do not want to deal with these people. I want the communication returned to the leasing office and I will make arrangements with them once they have assured me that the balance has been corrected and this will not appear on my credit report. IQ Data is unethical and people should be made aware of their terrible collection practices.
My wages were garnished. I called XXXX XXXX XXXX to dsicuss the account as I was unaware of this action. The debt is from 2008. I was told that if I paid it in full that day on the phone, that they would return the XXXX back to my employer and that the garnishment would be released. They took my XXXX payment in full electronically from my account on XXXX. They have steadfastly refused to return the XXXX taken on XXXX and on XXXX another deduction was take from my check. This company will not release the XXXX funds to me for 21 days, and then stated they will hold the second issued to them XXXX XXXX for an additional 21 days despite the fact the account is paid in full. They are hold XXXX of my money causing me financial and XXXX duress. 

It is important to note- XXXX told me on XXXX that if I paid this in full that the XXXX would be returned to my payroll department and given back to me. They have recorded lines. He lied, they did n't return they cashed it, and now have cashed another and are holding the funds.
When I signed up for this checking account, I chose the option for no overdrafts ( if I did not have the funds in my account, then the transaction would be denied. ) However, Huntington has allowed my charges to go through when there were not the funds in the account and recently charged me {$130.00} in overdraft fees. ( XXXX overdraft charges and an " extended '' overdraft fee )
On XX/XX/XXXX I purchased an " XXXX XXXX '' smart home accessory on XXXX for {$200.00}. The promised ship date was XX/XX/XXXX. Months have passed since that date with no delivery date in site. I contacted the manufacturer multiple times for a cancellation and a refund but they will not respond. The owner of the commerce site where the item was purchased, XXXX, will not assist and defers questions to the manufacturer. 

I contacted Chase to dispute the charge but after a lengthy review process they denied my claim because too much time had passed! That is exactly why I am filing a dispute. I contacted Chase and they said they would/could not help me and any further.
I have filed a complaint with Tennessee  XXXX   XXXX   XXXX . I plan to file with the BBB and a law suit to follow. I believe this company has set up there computer programs to charge customers late fees, regardless if that payment is late or not. I have a ledger uploaded with more than {$3000.00} in late fees. Some examples are as followed ; On  XXXX / XXXX / XXXX  a partial payment was missed.  XXXX / XXXX / XXXX  a payment was made. On  XXXX / XXXX / XXXX  a non sufficient fund charge of {$96.00} was charged  (  for the  XXXX / XXXX / XXXX  payment ). on  XXXX / XXXX / XXXX  another payment was made. Auto Masters then charged a late fee to every payment made after that non sufficient fund charge, ever made for the next  XXXX  yrs. Payments that were made on time, where charged a late fee.  XXXX   XXXX  on  XXXX / XXXX / XXXX  stated, they over charged us by {$30.00} and offered to credit and defer the balance by adding it to the end of the loan. Auto Masters has charged over  XXXX  payments a late charge indiscriminately. Around {$3000.00}. After that initial missed partial payment. Extra payment were made noticeable  XXXX / XXXX / XXXX  {$400.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$230.00}.  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$180.00},  XXXX / XXXX / XXXX  {$200.00}. No matter how much we missed, or over paid, every payment was given a {$30.00} late fee. If we were short {$5.00} on a payment, they charge a {$30.00} late fee. If we paid a extra {$200.00} that month, they charged that payment {$30.00} late fee. I even mentioned a issue with the car, where we were promised a reimbursement of gas. During this process of complaining about the late fees, Auto Masters reimbursed us for the gas. It appears they took a late fee of {$30.00} out of the reimbursement on  XXXX / XXXX / XXXX . As of  XXXX / XXXX / XXXX  I began making the car payments, there was a miscommunication with my roommate. She told me car payments were {$230.00} due the  XXXX  and the  XXXX . I have been paying over the amount due, yet none of it went to the principal. They stole the extra money by indiscriminating charging late fees to every payment made. This horrendous action has continued for  XXXX  years of the loan. I believe if investigated, the company will be exposed for taking ten of thousands unjustly from the customers. They are taking from the community, a community of military, veterans and their dependents. Customers who are struggling financially or credit wise or both. The way they administer their fees is predatory and should result in a audit of their fee practices.
My wife went through the drive-thru at Bank of America on XXXX. She had XXXX checks totaling {$5100.00}. She deposited {$4600.00} and took {$500.00} in cash. She received a deposit slip which showed {$4600.00} deposited. I received a letter on XXXX stating there were only XXXX checks and that {$25.00} would be taken out of our account. How can they do this once we have a deposit slip proving what we deposited. They could claim they did not get any checks or even a teller could take it. In this case they found the check XXXX days later and put it back into our account but if they did n't what would happen.
Bank of America granted me two -- -three month deferrals on my payments due to Hurricane IRMA.THE DEFERRAL WERE FOR XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX. A PAYMENT WAS MADE IN XXXX AS REQUIRED. BOA is current reporting a past due amount of {$1600.00}. I disagree with this late fee. 

INTEREST AND LATE FEES WERE SUPPOSE TO BE WAIVED ALSO. The interest amount of {$3400.00} was not waived. The interest and principal was added to the balance as a balloon along with the principal. The late fees of {$350.00} were eventually waived as promised. 

BOA is currently reporting a Balloon Payment amount of {$10000.00}. This incorrect also. the amount should be ( {$10000.00} -- {$3400.00} ). 

I have been in contact with BOA since XXXX concerning this issue. I m called from the collection department and they are not aware of the IRMA deferral. No one at the bank seems to know what was agreed to and how to solve the problem.
I have called Equifax and my credit report is behind like 4 months. Other two XXXX and XXXX have been updating correct info. I have called Equifax and I was told I needed to contact everyone on my credit report. I have called and I was told they have been reporting to all three bureaus. My car loan has not been updated and my two new credit cards have not been updated ( open in XX/XX/XXXX and XX/XX/XXXX ).
Worked with speedy cash on a structured payoff plan that would allow me to pay off my debt in a reasonable amount of time and avoid the XXXX XXXX interest rate. 

I have been paying {$220.00} since XXXX XXXX every XXXX weeks. This amounts to a total {$5500.00} dollars that I have paid on a {$900.00} original loan. 

I have requested a restructured agreement that would allow me to pay down this debt that is now over {$1300.00} despite my consistent efforts to pay.
This debt is from XX/XX/XXXX. I paid this long time ago but the creditor and the collection agency said they have no record of it. Regardless of that fact, I was told in XX/XX/XXXX, when I was buying a house that there was a debt. I told them I had no recollection of it and disputed it. 4 months later they sent a copy of the last bill from the creditor. This is not proof I owe it. Statutes of limitations is 4 years for a written contract and 2 years for a verbal. They are well beyond this for collections. Also, they have 30 days to prove I owe this debt after disputing it. They took 4 months to send me an irrelevant copy of a statement. I do not owe this debt. They also had a lien on my credit report that said I owed {$1400.00} but when I went to pay it, they bumped it up to {$1900.00}. I had no choice but to pay it or my house loan would not close. To this day they refuse to send me a satisfaction of judgment or anything that says I paid it.
I was shocked when I reviewed my credit report and found late payment on the dates below : Seterus Inc. Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
I had my report pull a XXXX 2015 and discovered some items that were either not mine own personal debt or unverified information. 
1. XXXX XXXX XXXX ) I have never lived in Texas nor do I have any such account PLEASE DELETE. 
2.XXXXN XXXX XXXX XXXX XXXX I have disputed this account it was never verified I HAVE CONTACTED XXXX there is no record of account please Delete. 
3.XXXX XXXX XXXX XXXX ) this account has No record and is unverifiable please delete. 
4XXXX XXXX ( XXXX ) This account does not have Date of last activity listed Inaccurate please delete. 
5. XXXX ( XXXX ) This account never done business with this company please delete no verification. 
6.XXXX ( XXXX ) This account was never verified 7XXXX ( XXXX ) This account was disputed and never verified pleae delete.
All 3 reporting agencies, plus XXXX, XXXX, and a number of others. I am XXXX and XXXX and have had criminal investigators from the US GOV helping me from 2 field offices and, the IRS, State and local law enforcement. In XX/XX/2013 my identity was stolen and my tax return was never delivered to me. They re-routed it to Texas and then north where it was cased. The CI 's  worked on this for 4 years and finally had so many other cases they threw in the towel. Well, these crooks have destroyed my life. I have nothing left except earning my XXXX XXXX XXXX at XXXX. I cant get a car, house, credit card, not even a secured one. There are almost 700 inquiries on my reports and I dont recall instigating any of them. I have to live with my parents and have since this happened. They ruined my computer, tapped into my cell phone, stole my information off both of them so trying to go to school I am using my grandmas little bitty laptop and a pre-paid phone. My life was stolen from me and they are still doing it. I cant live like this anymore. Life has no meaning anymore and the credit burieas dont really care. Ive contacted them every year, put freezes on my accounts and they all 3 still let people do inquiries on my reports. I want a clean slate. I am the victim and didnt ask for this.Thank You
XXXX XXXX charged me {$400.00} deposit on a cell phone I was purchasing in full, at retail price, in cash, in person. 

This happened when I opened my non-contract pay as you go plan. I purchased the XXXX XXXX XXXX. 

I later found out that they performed a hard inquiry on my credit. 

During this interaction, I had never BORROWED anything from XXXX. I am not on a contract plan, I am paying month to month. I feel that this credit check is unwarranted as I never applied for any line of credit or borrowing. 

I later sold this phone and disconnected the line. It took months and multiple phone calls to get this deposit back. They originally told me I would receive a check in the mail. I never did. They applied it to my account balance without notifying me. 

I had also purchased an XXXX phone at a different time, and was also charged a deposit. Again, no borrowing. I paid the full price for the phone. I have since sold the XXXX, and purchased a XXXX XXXX. I brought this onto the XXXX network by swapping my sim card. Now that the XXXX is no longer on my plan, I would like the deposit to either be credited to my account, or mailed to me. 

Throughout my experience with XXXX, I have had issues with my coverage. Especially after Hurricane XXXX hit my area. I get 1 bar of service in my apartment. This has n't been fixed, and it seems like almost every call to XXXX is STILL about trying to get my deposits resolved. They have not sent me a signal booster like I 've requested multiple times.
I had a loan with XXXX for my 30 year mortgage. It was sold last month to Chase mortgage. Ok, no problem but I was paying half in advance to reduce my total interest through the life of the loan. Chase says they do n't do that. Now I 'm being penalized as a consumer for no fault of my own. Should n't I have the same loan I had previous? Also earlier I had the loan with XXXX and they sold it to XXXX with the same loan payment schedule as well.
In an adjunct filing to the complaint XXXX made to CFPB XXXX/XXXX/2015 I make this further complaint about a call received the following day XXXX/XXXX/2015 from phone XXXX which is Receivables Performance Management, XXXX XXXX XXXX XXXX, XXXX, WA XXXX SPONSORED by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX XXXX, ( XXXX ) XXXX, XXXX XXXX, XXXX - XXXX, Ohio, which, again may not be licensed even to operate in my state of Georgia. 
The RPM website services description page lists, " CUSTOMIZED DUNNING Notice Services, XXXX, Early Age REACTIVATION SERVICES, Late Stage.. '' Please note, " OMB # XXXX : An agency MAY NOT CONDUCT or SPONSOR, and a person is not required to respond to, a collection of information unless the collection of information displays a valid control number assigned by the Office of Management and Budget ( OMB ) ... '' These control numbers are never given and more important the service that called me " Receivables Performance Management '' is being contracted and SPONSORED by XXXX & XXXX XXXX XXXX. Both companies are in violation of federal law the count of which is probably in the XXXX.
Wells Fargo Bank refuses to submit confirmation of loan payoff to the Credit Reporting Agency. On XX/XX/XXXX my loan was paid off in full. On XX/XX/XXXX, I received a letter from Wells Fargo declining my request for a secured credit card with Wells Fargo. The decision was based on " accounts with Wells Fargo were not paid as agreed ( we look for a history of on-time payments ) ''. After contacting the call center bankers, no one was able to explain what accounts are in reference, what needs to be submitted to correct the information, and who can provide an assistance. The only loan account I had with Wells Fargo was paid in full. Wells Fargo bank refused to submit the confirmation of account payoff to Credit Reporting Agencies which damaged my credit history and my credit score.
On XXXX XXXX, 2014 Paypal " limited '' XXXX of my accounts with them, which is a friendly way of saying they locked the money in them and wo n't give me access to it. Although they refused to explain why they did this, they did tell me that my money would be available 180 days after they " limited '' my accounts. Now that 180 days has passed they 're still not letting me withdraw my money. I have {$1000.00} locked away in XXXX account and {$990.00} locked away in the other account. Can you send them a friendly reminder to follow their own terms and conditions and release my funds to me?
I have had a credit card with Chase for 6 years, I have been current with this. Early on I took out a cash advance of around {$3500.00} Although I have paid on this card on time every month my cash advance balance keeps rising. The card APR is 4 % but the cash APR is 19 %. Non of my payments have been applied to my cash advance balance and the high interest is added to the cash advance amount. So although the card is being paid down, the cash advance is now over {$6000.00}. I contacted the bank and they said that the lowest interest rate is paid first and interest on the cash advance portion will keep being added to the cash advance portion until the low rate balance is paid. My low rate balance is {$10000.00}. How can this be legal?
My ex-spouse will be short selling the former marital residence where I hold a home equity line of credit. When contacting First Horizon/First Tennesse bank I was advised they would entertain a short sale and that I as the loan holder would still be able to pay them the full amount so it not damage my credit. I was told by their SVP and chief legal counsel that they are more than happy to accept payment in full and ontime however they still will put a negative mark on my credit report Bc of the word short sale. How on earth can someone be harmed by a negative credit mark if a loan is paid ontime and in full? It does not appear right.
Fraudulent loans!

Santander targets a population of people with poor credit approves them for very high interest loans that they know will soon default ruins their credit and put judgments against individuals to repossess property Santander targets a specific population and make fraudulent loans for used vehicles Santander is in urban areas and prey on vulnerable people.

Santander has a history of Inadequate or false disclosure Risk-based pricing Inflated fees and charges Reverse Redlining And has had class action lawsuits. Santander is in house financing company that is illegally approving loans as well as falsifying figures to approve loans under the pretense of future default. Santander is housed in car dealerships that close and change names due to unlawful/illegal activity and bad reviews.
Trying to remove a dismissed bankruptcy from my credit report.The following sections of the FCRA .1681c mentions nothing relating to bankruptcy dismissals or filings.Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law.Therefore transunion has no right to maintain this information. 

Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, transunion must delete this information from my credit report.

( See attached letter I sent to Transunion )
i had to call 4 times this morning to make a payment first 3 time s they put me on hold with no explanation for 20 minutes. no apology. nothing. they think i can wait and 2 said they would not. i want something for my inconvenience. or i will be unable to use the card. horrible CS. no interest or a XXXX dollar credit and investigate.