WillisBack/dataset-financial-user-claim huggingface dataset:
I had four credit cards issued to my business. When my business failed in XX/XX/2013, my business settled the payment of the balances for each credit card. A portion of each balance was paid in cash and a portion was classified as income. 

As a result, all credit cards were settled in full by the business corporation. However, my personal credit reports still reflect the payment history. I want all four payment historys to be removed from my personal credit history.
On XX/XX/XXXX, Commonwealth Financial Systems of XXXX XXXX Pennsylvania falsely reported to major credit reporting agencies ( XXXX, XXXX, and XXXX ) that I owed a debt of {$1000.00} to a medical practice in XXXX, Illinois in 2013. I have never owed such a debt, I did not live in XXXX Illinois in 2013, I have never visited an emergency room. CFS then reported through the mail that they were attempting to collect the debt. I responded informing them that I do not owe such a debt and that their attempt to collect and falsely report the debt violated the Fair Debt Collection Practices Act. They responded by continuing to falsely claim that I owed the debt ( ignoring the fact that they are referring to me by the wrong name ) and have failed to remove their report to the credit agencies. As a result, my credit score dropped more than 100 points, causing my credit card companies to reduce my available credit and increase my adjustable APR. In addition to this violating the FDCPA, they have caused financial damage by libeling my credit.
Our travel agent in XXXX XXXX correctly charged {$12000.00} XXXX XXXX dollars against my XXXX XXXX card on XX/XX/XXXX for a future vacation. Prior to arranging for payment of the vacation with the XXXX XXXX card, I spoke with an agent ( XXXX ) on XX/XX/XXXX and asked if they would waive the foreign transaction fee that would result from the transaction. XXXX stated XXXX would waive the foreign transaction fee for a large one-time purchase like a vacation/trip. 

Upon receiving the statement from XXXX, I noted the amount charged was higher than expected. Based on the amount charged in USD, XXXX used XXXX USD per XXXX By comparison, there is no record of a similar USD to XXXX exchange rate anywhere else in the world at any point during XX/XX/XXXX. I have attached examples from multiple websites which confirm the actual USD to XXXX was between XXXX and XXXX. The resulting overage charged by XXXX amounts to a low of {$220.00} USD and a high of {$220.00} USD. 

When I pointed out the overcharge to XXXX, they initially agreed that the exchange rate was incorrect, but blamed the merchant. XXXX initiated a dispute against the merchant for {$180.00}, which was the amount the agent quickly estimated the exchange rate overcharge to be while on the phone with me. I disagreed with the dispute being filed against the agent and stated the issue was the exchange rate created by XXXX. 

XXXX refused to correct the exchange rate and refund the overage when they determined that the merchant was not to blame.
Discover Card has harassed me about a credit card debt that I owed on a balance transfer and they didn't follow through with the agreement I signed. They lowered the credit I originally had without notice, call me over and over to get their money when I was mislead about the whole agreement. I tried calling them several times to say that I didn't agree to this and they kept pushing me around from department to department. Now they are suing me in my county.
Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records.There is 1 account reporting to Equifax which is fraudulent and I'd like it removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law and I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional and physical health.
On 2017XXXXXX, my checking account was overdrawn by {$170.00}. My savings account was linked to the checking account for overdraft protection, and I had setup automatic overdraft protection in the event that my checking account was ever overdrawn, and a {$12.00} fee would be applied for any automatic transfers resulting from the overdraft protection of my checking account.
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On this date, my savings account balance was {$5.00}. Since my checking account balance was - {$170.00}, the automatic overdraft protection was initiated and my savings account balance of {$5.00} was transferred to my checking account to cover the deficit. Luckily for me, I have the financial support necessary to deposit {$510.00} into my checking account via the bank 's mobile app to cover the deficit in my checking account, and I spoke with the bank support team and confirmed that they {$5.00} would be transferred back to my savings account and I would not be charged the {$12.00} automatic overdraft protection fee since I made the {$510.00} deposit to bring my checking account balance back into the positive.
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The basis of my complaint is that the amount automatically transferred from my savings account into my checking account was not even sufficient enough to cover the {$12.00} fee that would have been applied to the overdraft protection transaction, let alone cover the deficit in my checking account. So the net result would have been - {$6.00} ( {$5.00} minus {$12.00} fee ) being applied to my checking account balance of - {$170.00}, and I likely would have incurred an additional overdraft fee of {$35.00} on top of that since my checking account balance would still be in the negative. This type of exploitation is a perfect example of the predatory fee practices that banks practice which significantly contribute to lower income individuals being unable to climb out of debt and perpetuates a vicious cycle of high interest payday loans and hefty overdraft fees required to keep an account in " good standing ''.
I submitted Loan Workout to Bayview Loan Servicing , LLC and have not gotten a response or " Denial ''. Under HOBR i should at least receive a response or Denial which i am allowed one appeal.
I was foreclosed on during remodification process. I was led to believe that I was being processed in XXXX with documentation from the servicer with contact numbers that would not except my calls or relay me to an extension of the rep. whom was handling my case when trying to contact and follow up. Ultimately I was given a 3 day notice of eviction by the Sheriff ( XXXX XXXX XXXX @ XXXX ). I had filed for bankruptcy protection and the law firm went to court to have it lifted as I was awaiting a modification. I later was informed by NACA ( 3rd party entity ) helping with the modification that the home had been sold in XXXX XXXX. It was XXXX when I received the modification documentation. I was receiving billing statements monthly throughout this year. 

The servicer did not : Quickly resolve complaints and share information. 

Have and follow good customer service policies and procedures. 

Contact you to help you when youre having trouble making your payments. 

Work with you, if you are having trouble paying your mortgage, before starting or continuing foreclosure. 

Allow you to seek review of the mortgage servicers decision about your loan workout request. 
I am now leaving the home with a XXXX and XXXX under XXXX  circumstances.
Accounts using name XXXX XXXX and XXXX XXXX XXXX, I have no middle name, also addresses I know nothing of
I have an account with Wells Fargo. I withdrew {$350.00} on XXXX/XXXX/16 at the branch. Wells Fargo charged my account {$35.00} for this transaction, then they charged me 5 times {$35.00} for a total of {$170.00}. The money was in the account when I withdrew the {$350.00}. 

I had a direct deposit on XXXX/XXXX/16 for {$1200.00}, Wells Fargo still gave me an overdraft fee of {$35.00} although the money was in the account. 

I feel as if these fees are extra and unlawful.
There is a bankruptcy reported on my credit report that is incorrect. I have disputed it and the CRA has maintained that the court has verified it. This is a lie, the court verifies no such information. I have included the transcript of the voicemail left by th e Clerk of Court. She has provided her number if they need to call for follow up.  I 'm not sure where they are getting the information but it is not from the court as they have said. Additionally they verified the bankruptcy as a reported "  XXXX  '' balance case. I 'd like to know who files bankruptcy on for a  XXXX  balance? The clerk has also verified they do not provide social security numbers or birth dates to PACER or the likes. The reporting of this information is a clear violation of the FCRA.
I will like to file a CFPB Complaint against Wells Fargo Dealer Service for inaccurate billing practices while deployed. On XXXX XXXX, I opened a car loan with WFDS. On XXXX XXXX, I deployed for 12 months. During this deployment, my loan was not deducted to 6 % as required under the SCRA ( Reduction of Interest to 6 % ) XXXX. The bank was notified and completely aware of this deployment but failed to decrease the interest. 
Also, during this time my vehicle insurance was changed to liability due to it being stored on a military installation. The vehicle was insured and covered by law. During this time, WFDS implemented their own insurance and charged me discreetly. This has caused my loan to fall into delinquency. Currently to date, the loan payment has always been promptly paid on time, never late. 



Thank you
Bank of America closed all of my accounts, including checking and credit cards, for no reason and without notice. First they deducted {$880000.00} from my checking account, and then locked me out of online banking. Now I have no access to my cash in the checking account, and customer service is unable to help. They gave me a name : XXXX XXXX in Corporate Security. But she could never be reached at the number/extension given. My money just disappeared into thin air!! This is extremely unfair and unprofessional and I demand immediate access to my checking account!!
Hello, I was just a victim of a XXXX scam. We just moved out of our apartment in XXXX on Monday XX/XX/XXXX and around two weeks beforehand we posted our set of couches on XXXX for {$240.00}. A person named XXXX XXXX responded to the post and said that he would like to purchase the couches. He then added that he wanted to send us a check in the mail to pay for the couches ahead of time. He sent us a cashier 's check in the mail for {$1700.00}. This was clearly strange that he sending so much extra, but he said the extra amount was supposed to be paid in cash to movers the he ordered at the time of pick up. I asked him why he needed to pay so much extra for the movers if the couches only cost {$240.00} and he said because they were moving a lot of stuff in XXXX for him but I was supposed to pay them for the whole move. I thought this was strange, but I did n't really think much about it because he gave me a cashier 's check which is supposed to be impossible to bounce. I was therefore not worried about losing any of this money. Then after I deposited the cashier 's check into my account, he told me that the movers no longer accept cash on delivery because they there were some issues with the movers mishandling the cash. He therefore said that he wanted me to transfer the funds directly to the movers by a XXXX. At this point, I was getting frustrated and I told him that I did n't want to do it, to which he responded that he would let me keep an extra {$80.00} for the inconvenience. Even though this all felt sketchy, I was n't worried because I thought that a cashier 's check was as secure as cash and the money was guaranteed. I wired {$1400.00} to the name " XXXX XXXX '' in XXXX Texas with a zip code of XXXX. After I told him that I wired the money he said he would contact me when the movers would come. After that text he never responded to my future texts and the movers never came. 6 days after I deposited the check, I checked my account and saw that the check was rescinded because it was " altered/fictitious ''. ( deposited the check on Thursday, XX/XX/XXXX and it was n't rescinded until Wednesday, XX/XX/XXXX ). I do n't understand how it took so long for my bank, chase, to recognize that this was a fraudulent check. With today 's image recognition technology, a bank should be able to detect a fraudulent of altered check instantaneously and if it 's not sure atleast send me a warning or place a hold on the check while they investigate it. I called chase to complain about it and they wo n't do anything. I am held completely responsible. As a consumer, this makes me feel extremely vulnerable because I now have no confidence that a cashier 's check I receive is legitimate. I think that my bank should take responsibility for this and start implementing software to detect fraudulent checks. I ca n't visually tell if a cashier 's check is fake and I did n't even know that it was possible for a cashier 's check to be fake. At the very least, banks need to inform consumers that there is a risk of the check being fake when we deposit it. The bank that issued the check is called " XXXX XXXX XXXX XXXX ''.
There are 3 companies involved : American Financial Network ( AFN ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX ). 

AFN agreed to complete a Streamline VA Refinance for my family, as a free service. 

The final paperwork had our new loan set at approximately $ XXXX higher than what we were told our old loan closed out at. When we inquired about this we were told that the $ XXXX was there to cover our new escrow account, and that the reimbursement from our old escrow would be used to pay the new loan back down to where it should be. 

We received our reimbursement from our old escrow and insurance, and now are being told to deposit that money into our new escrow account, because it only contains around {$800.00} and is short. 

When I ask again why the new loan is sitting at over $ XXXX higher than our previous loan, we get no answers. 

Now our yearly taxes are coming up, there 's not enough money in our escrow to cover the amount, and our loan is sitting at a higher amount than it should be while gathering extra interest that should also not be accruing. 

Attached is an email from XXXX with AFN stating that our increase in our loan is to cover our new Escrow account. 

My name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, OK XXXX AFN Branch Manager : XXXX XXXX Branch Manager | XXXX, OK XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ok. XXXX T : XXXX XXXXXXXXXXXX -- XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX was our closer - XXXX -- XXXX XXXX -- XXXX XXXX XXXX
I have an existing account with Sears.

Received marketing material stating I'd been upgraded to the Sears XXXX and that I'd have to " opt out '' if I didn't want. 

I contacted Sears and declined, but no Consumer should have to " opt out '' of credit they didn't request. This could indirectly impact someone's credit ratings through no fault of theirs.

Interest rates - 26.74 % Late Penalty - {$38.00} I believe this approach to credit is simliar to the " XXXX XXXX '' disaster.
We are being giving the run around by the credit card company Bank of America. We have fraudulent charges againt our account from  XXXX  IL. We were able to get  a BOA e mployee on the phone long enough to look into charge and they removed  XXXX  of the charges not made by us. The problem is that there are several more and no w BOA is  giving us the run around.   We call into BOA several times. Today we called starting at  XXXX  on getting home from work it is  XXXX  and we are still being transferred and dropped. Even when we have tri ed to have them call back it rang our phone for less than a full ring before disconnecting. We have talked with nine people, had their line hang up on us four times. Giving the information that we are challenging to two or three people to have them ask us to wait and then have them hang up on us. I believe that they are practicing a program of discouragement to prevent us from resolving the false charges on our credit c ard.
Violation of UDAAP - due to Unfair and Deceptive Practices : - My credit card was Paid in Full effective XXXX/XXXX/XXXX, resulting in a credit balance of {$24.00}. 
- I followed up with CapOne to determine the amount of time it would take to process my refund check ; I was told 30 days. 
- I allowed CapOne over 30 days to process my refund. At the end of XXXX I had still not received it, so I called to follow up. I spoke to XXXX who indicated the refund was in process, and I should receive it the week of XXXX/XXXX/XXXX. 
- I did not receive it that week, nor the following, so called back on XXXX/XXXX/XXXX. I was again told it had been processed and that I should be receiving the check any day. 
- My address was verified with each phone contact ; but as of yesterday, I still had not received my check. I called once again. I first spoke to XXXX, who again verified address information. XXXX could not assist me with the status of the check. I was told I would need to be put on a TEN MINUTE hold to await another party to assist me. 
- When I mentioned a potential complaint to be filed with the CFPB, XXXX immediately put me in touch with XXXX. XXXX informed me my account was closed. Yes, XXXX, I know that. XXXX had to again verify my address, but had no solution to resolving my issue other than to 'Check with your Postal Carrier '. 
- I reminded XXXX that I continued to receive statements from them at my home address. I assume they used the same data field for all outgoing communications. These communications would be sent First Class Mail - so if there were any issue with my address, the envelope would be returned to Cap One for a bad address. 
- I asked XXXX if they could do an ACH refund as opposed to a check. ( I was told in previous conversations they 'do n't do ACH transfers '. XXXX said perhaps they could - put me on hold again, and then transferred me to XXXX. 
- XXXX did not have any sense of my evident level of frustration, and did not 'tread lightly ' with what was now an irate customer. I was put on Hold again. 
- By this time I had been on the phone for 45 minutes, still without a resolution to the issue of the refund check. I waited another five minutes and finally hung up. 

I have now spent hours on the phone with this company, and am still awaiting my refund.
On XX/XX/2018 I have noticed two collection  accounts were placed on my credit report.they are both from XXXX XXXX/XXXX XXXX XXXX In addition to this information, The accounts are reported as open. I remember those debt has been deleted and removed from credit report a couple of months ago. The debt collection agency has called me and I told them multiple times that that debt has been removed from my credit report months ago ( the debt was not valid ). The same lady representative that works for the company complains ''Oh since it has been removed doesn't mean that you don't owe the debt. I replied " the debts have been removed and if it was placed on my credit report I will file a complaint. She stated it will not be placed on my reported and continually saying just because it has been removed does not mean anything. I told her the debts are not valid and have a different amount for the debts anyway. I also notice that Midwest Recovery has always bought a debt and add it to the credit report with a higher amount than the original bill as well making it a new debt. the debt amount reported to my credit file is {$1700.00} and {$1000.00}.
Equifax 's check to find out if you were impacted by their stolen data opts you out of being able to sue them, or take part in a class action. They do not inform you of this fact anywhere on the website route to check your status.
In 2005 I entered into a Smart Fit refinance loan with Wells Fargo Bank. Under the agreement I was to pay just the interest on the principle. At the end of the XXXX years they automatically rolled it into a XXXX year fixed mortgage at a 6.05 % interest rate. They have no record of contacting me about the change. As if this were not bad enough they want {$660.00} per month for XXXX years on a {$55000.00} principle amount. All calculations I find at this interest rate on the principle come to only an average of {$440.00} per month. My online account does not show the conversion to a XXXX year mortgage nor does it breakdown any detail of what is included in the payment. Only referring to them as fees and charges. All correspondence with Wells Fargo has gone no where.
This company has put a almost {$8000.00} debt on my credit and I was never notified about owing the hospital anything this has caused my credit score to be affected really badly
bought house for XXXX fifth third bank bought loan in 2013 and with out any contact with me lowered value of home to XXXX but still had me paying higher payment for about ten months still wont change problem but keep telling me they will look into it
Online Information is a collection agency is reporting on my XXXX credit file incorrect illegal information because they are not a lender. The law states at no times does a collection agency become a lender so this type of reporting is illegal. They do n't have the rights to report account type-open nor pay status-in collection nor loan type-collection agency/attorney because this is not a loan.
On XX/XX/XXXX i look up my credit report and my bankruptcy was still showing, i file in the mid of XX/XX/XXXXand i have ask the credit bureau to remove it that state that they will investigation they came back verified, i ask them how they verified because the bankruptcy court said that they dont verified to third party are credit Bureau it against the law, so im asking that you please investigate because i have been waiting out my years with bad credit long enough for them now to drag they feet and dont investigation a legitimate way please help Im XXXX  with XXXX and hoping i can move in my own place in my own name for once