WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2016, a local merchant posted a refund to my credit card account with Bank of America in the amount of {$1500.00}. As of XXXX/XXXX/2016, the credit has not been posted to my account and Bank of America refuses to tell me why. On XXXX/XXXX/2016, XXXX posted a refund to the same account for merchandise I returned. As of XXXX/XXXX/2016, the credit has not been posted to my account and Bank of America refuses to discuss it. 
It is clear that Bank of America is delaying the posting of credits to my account in order to artificially inflate my balance and charge me excessive interest.
I XXXX XXXX and XXXX XXXX my son have an account open is a line of credit with Wells Fargo # XXXX monthly payment get deducted from our checking account automatically Well Fargo checking they are reporting 30 days late on this account for the past 18 month ( see credit report attached ) I call this business several times in the past month and they promise a 0 late letter they are not responding Im trying to clear this wrong information that they are reporting with the bureau please help
On XXXX XXXX, 2016 at XXXX I sent over money to XXXX . I called Western Union and they put me on hold for a half an hour. I spoke with a representative explaining my problem and he told me that I had to speak with someone else. I was then put on hold for another 20 minutes. Finally I was able to get through to someone and the then stated that I needed to be interviewed. I said that was fine, and answered all questions that were asked. They stated everything was all set, but in reality the money is still on hold with Western Union! 
I called yesterday, XXXX XXXX, 2016 and again had to wait 20 minutes on hold, had to be re-interviewed with the same questions I had answered already the prior week. Today is XXXX XXXX, 2016 and the money still has not been sent.
I have been trying to have incorrect information Collection companies/debts that are fraudulent and are not mine Incorrect statements that do not match my true history removed Over 31 inquiries that have impacted my score d/t another using my name etc .... 
Fraudulently -- - I have sent Info for removal XX/XX/XXXX XX/XX/XXXX And XX/XX/XXXX That should have been enough time to remove incorrect items And return my correct credit bureau scores -- - I sent letter from XXXX XXXX XXXX For information related to crimes against me
CHAMPION MORTGAGE Company keep sending me FRUGLANT Bill that is not Allowed on my Mortgage Note and is Threatening to Default the Mortgage Note.
I started a re-fi on my current main mortgage. During the process my wife accidentally paid our mortgage payment to a credit card from the same bank. ( Bank of America ) Once we found the error I promptly called my re-fi agent and asked him what I should do to make sure the re-fi went through as scheduled. He had me call mortgage customer care. I spoke to a gentleman there, agreed on a payment date and made the payment on that date which he promised would keep me current and work for the re-fi. They still cancelled the re-fi and told me they could not see the notes the care agent entered. I told them this was not fair and that it is not my fault they have a technology problem. We even went to a branch to pay in full and they told us we did not have to as it did n't show in the system we were overdue/late I called mortgage customer care and demanded escalation. The escalation agent agreed that this should not have happened and she would help take care of it and call me on my cell in 48 hours with a resolution plan. Never got the call back. I called in and no one could help me. By this time I was already receiving foreclosure notices ( Have faithfully paid this mortgage for over 13 years ) and then suddenly the bank sells my loan after servicing it for 13+ years. Now I am in a bad financial position and it is the banks fault as I followed everything they told/asked me to do. And I am out the money I had to pay out of pocket for certain fees. This re-fi should have been a simple and quick HARP deal and because of an honest ( And documented ) mistake I was thrown into possible foreclosure. I will be calling the state provided lawyers in the foreclosure documentation and would also like to know what you recommend.
I bought a vehicle long time ago in XX/XX/XXXX I was almost payed off in XX/XX/XXXX until it was illegally towed away by a tow truck company, and my car was not repoed by current car company. The car was resold, and any debt incurred should be billed to towing company who stole the vehicle from me years ago. This was a loss to me, and my insurance company could not help me. Police was involved, and as the XXXX vet they just allowed it, and I had to get a lift from the cops just to get home way across town, and it was barely 30 days after I graduated from college where I was still on food stamps. This was a damage as well as a loss I am not responsible for.
Navient is ( 1 ) Over-estimating the amount they allege I owe them. 
( 2 ) Charges me illegal interest rates. 
( 3 ) Unresponsive to my requests for information and assistance. 
( 4 ) Discriminating against customers on the basis of race, gender, XXXX, and sexual orientation ( 5 ) Violating state and federal consumer-protection laws in the administration of its student loan account and billing practices in the above-named ways and by numerous other patterns and practices.
I was contacted by a company called " Helping Hands ''. This company told me I qualified for the Student Loan Forgiveness Program. I was told I would be charged a fee paid over a few months. I paid the fee. I was told I qualified for the Student Loan Forgiveness Program and my loan would be forgiven. My credit scores would dramatically improve, etc. None of this happened and I am receiving letters demanding payments I can not afford. I don't know what to do. When I try to contact this company, my emails are returned.
On XX/XX/2018 an XXXX XXXX XXXX XXXX XXXX XXXX XXXX   representative in an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX United States ask me for some information including my name and address, she did not inform nor did I give consent to have a credit check, and now there is a hard inquiry on my Equifax Credit Report .
on XX/XX/2017 I join XXXX  XXXX XXXX a Consumer Credit Counseling Service . They sent XXXX store card a proposal to lower my payments and interest and remove all late payments. XXXX continue to report me 30days late every month. They accepted the proposal with the understanding they would receive my payments on the XXXX of each month. I'm trying to increase my credit score. XXXX continue to send negative information to the credit bureau. They continue to show me late. I have contacted them several time and nothing has changed.
I was a victim of my identity theft. Never recognize or authorize anyone to use my SSN for this account
I consolidated my federal student loan debt, in order to simplify repayment and reduce my monthly payment total. Today, I have $ XXXX in unsubsidized debt and $ XXXX in subsidized debt. I have chosen to go back to school for a PhD, so my loans have been put in deferment. The subsidized portion is not gaining interest, but the unsubsidized portion is. My income ( a stipend ) is just {$1900.00} per month, but I am still making efforts to repay my loans as scheduled ( {$550.00} per month to my federal loans ; {$300.00} per month to private loans ). Some months, I am not able to make the full payments, but wish to make interest only payments ( currently {$350.00} per month for my federal consolidation loan ). Unfortunately, the structure of the consolidation loan does not allow me to make interest only payments. If I make a payment in the amount of the unpaid interest, a portion of the payment is allocated to the interest on the unsubsidized part of the loan and a portion is allocated to the principle on the subsidized part of the loan, ultimately leaving unpaid interest on the loan. While I am in school, it makes the most sense to first prevent interest from accumulating on the unsubsidized portion of the loan, then allow any excess payment to be distributed toward principle. In order to pay the full interest each month, I need to pay an amount greater than the interest. Most months, this helps work toward my goal of paying down the principle, rather than make interest only payments. However, I am left with little flexibility at times when my budget is tight. My only option is to pay what I can, knowing that my money is not being allocated in a way that is in my best interest. The servicer of my loan, Navient, has told me that there is no way to allocate my payment as interest only. It seems the system was designed this way to make it more difficult for me to pay down my loans.
They sent me credit card with XXXX credit limt i put XXXX on card tried to use couole days later and card locked I haved called 4 times spent hours on phone kept saying it would be unlocked next day went through that 3 calls and they said i had to talk to fraud department and i did they said they had to call me back to prove my idenity they said they would call in XXXX hours no call i called them again told me same thing still waiting for call been XXXX weeks nothing still locked. Please Help
XXXX client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found an inquiry related to a cash advance loan that was applied for XX/XX/2018 using his information without his consent with Rise credit services. An official dispute of this information was mailed, certified with return receipt ( XXXX XXXX XXXX XXXX XXXX ) to Rise ; this dispute information was received and signed for XX/XX/2018. An additional dispute was faxed XX/XX/2018 to Rise. Rise has an obligation to conduct an investigation of this issue once the dispute is received and as of this date, per the original mail received Rise has failed to do so. This action is a violation of the FCRA and my clients federal consumer rights.
LVNV FUNDING LLC Open Date XX/XX/2018 Amount {$590.00}
My complaint is against Experian.com I signed up for a free trial on XX/XX/XXXX which I immediately canceled afterwards. I have the original email to show that I did indeed cancel with them. However I was still charged account {$21.00} on XX/XX/XXXX to my account. Because of that charge my account was overdrafted which resulted in a fee. The bank did not refund that fee because it was not their error it was the error of the company that charged me when they were not supposed to. This is through no fault of my own and I took the precautions I was supposed to in order to cancel my membership and this is not the banks fault either. I Have received a refund for the {$21.00} however was told by a representative of Experian that they would not reimburse me for the overdraft fee and that the bank should be able to reverse it once they saw that Experian deposited funds back to my account. However that is not the case because it was not the banks fault that I was charged by Experian. I have sent multiple emails with proof of my cancellation and proof of my overdraft fee attached and have not received one response from Experian or any compensation for the {$32.00} they cost me. The fee was charged immediately after they posted the {$21.00} charge.
I am a victim of identity theft. My Discover credit card was used without my authorization. I contacted Discover card and submitted a fraud dispute. As per Discover dispute department requests, I submitted a affidavit and filed a police report. Discover is stating they denied my dispute and will transfer the balance to my account. I spoke to XXXX a representative at Discover Dispute and requested to speak to a supervisor. I have not received a response as of yet.
Ive already paid off multiple loans with Navient but I need some more time to pay off the remainder of my loans. I am receiving up to 10 calls per day at all hours of the day.
Opened a checking account at Citi branch location XXXX XXXX, 2016. Wrote a check from an existing account at another bank to establish balance. It was deposited in my presence that day. Requested checks for the account, was told they cost ~ {$29.00}. Explicitly asked bank employee if I should pay for those, he said no, it will just be deducted from the checking account. The originating bank shows my initial deposit posting XXXX XXXX. Six days ( four business ) later, the checks were charged to the checking account, but the initial deposit was still not " available, '' resulting in a {$34.00} " insufficient/unavailable funds fee '' on top of the price of the checks. Called customer service, they were unable to reverse the fee.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX  ), XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX Account # XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ), XXXX Account # XXXX ( XXXX, XXXX, Equifax ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Equifax and XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( Equifax and XXXX ), XXXX XXXX XXXX Account # XXXX ( equifax, XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ).
ProCollect Inc. tried to collect a debt from me from XX/XX/2010. I never received a bill from the original person ( s ) and now 5 years later, this debt is on my Credit report. This is a medical bill from the physician that I never received. In Texas, this is past the statute of limitation and I have asked ProCollect to immediately remove this debt from my Credit Report. I have a daughter that will be heading to college shortly and this can ruin her financial aid if I cant apply for a loan to help her in school. I am asking for assistance in removing this debt from my credit report and to stop ProCollect from doing this to other people. This company needs investigating. Thanks
XX/XX/XXXX I applied to the Scottrade Brokerage by phone from XXXX Wa. Someone named XXXX helped, but the XXXX person was so rude, I never funded my account. 

On XX/XX/XXXX I received a notice by email that the company was hacked. They gave a number for XXXX ( security ) to provide security, but now on hold for over an hour, no one picks up. Sloppy service here as well. 

Although I spoke with Scottrade staff ( National level ) and was told, that even as the email mentioned Social security numbers were accessed I was told by phone mostly they thought the " contact '' information was used? I asked if they had deleted the account since it was not funded and they had. But 2 years later clients are now being informed. 

XXXX
Sent a certified debt validation letter to the the XX/XX/2018 requesting the company to validate the debt. The company in response sends a letter stating they could not " VERIFY '' the account instead. Which shows they disregarded that I asked for " validation of the account ". The account was discharged through my bankruptcy and the account is still reflecting as if I currently owe a debt of {$850.00}
I have try to contact XXXX funding about an account that shows on my credit report they are unable to give me information about this account when I asked about it, I just get a run around saying I need to call another number and when I called that number no one ever answer. I have spoken with Target Card Services and they do not have anything in there computer that says I owe them any amount of money. So XXXX needs to stop reporting this incorrect information.
I XXXX XXXX request that the attached account remove me personally as a user, and that all credit trade line references on XXXX XXXX, XXXX and XXXX, and XXXX if applicable. My husband has passed away, and any collection on this account can only go through his estate. I have no obligation to this debt, and any collection matter can not apply to me personally. I was never a responsible party to this account and my matter only applies to the Fair Credit Reporting Act, and any collection matter applies to the Fair Debt Collection Practices Act. This item must be deleted from my personal credit reports permanently. Please reply through the Consumer Financial Protection Bureau only, and my rights for deletion are within the legal guidelines for add on signers to accounts, and the deletion of said connections. I am not a responsible party and desire to have this account removed permanently. 
Thank you. 
XXXX XXXX
Had a kitchen fire XX/XX/XXXX. Received insurance funds from insurer on around XX/XX/XXXX mailed it to XXXX/chase on XX/XX/XXXX they received it on XX/XX/XXXX and it is now XX/XX/XXXX and I have not received a dime of my insurance money for repairs. I had a contractor do XXXX worth of drywall and put a stove in so we could cook for our family of XXXX. They said my claim was monitored because my mortgage was showing one month behind at time of fire and I needed a licensed g.c. Then they said I did n't need one because the job was under 50,000.00 on my state.Now they wo n't release any funds for me to pay my contractor with and I had to take a financial hardship withdrawal from my federal TSP. I am now in the process of hiring a licensed g.c. but I do n't have any confidence in these people.They do n't care about people and the hardships they put on them. There has got to be a better way to do this. I have been paying my mortgage with chase for 14 years now and I have no intentions of running off with the insurance money.
I bought a recreational vehicle and financed it through Bank of America over nine years ago. I lost my job and missed payments. they would not work with me once I started working again. However, they keep re aging this account and adding to the balance. They refuse to remove it from my credit and it has been almost ten years
I completed a balance transfer with Chase on my XXXX Chase card. The amount was to be interest free for the period. I would regularly use the card to make purchases beyond that transfer amount, and upon receiving a billing statement, would overpay to account for the charges where interest would be applicable, plus the minimum due to account for the balance transfer. Despite these overpayments, Chase is charging interest on the purchases, despite their cost being more than covered by each payment. For example, I made {$200.00} in purchases in XXXX, had a 0 % balance of around {$9000.00}, and made a {$500.00} payment to account for all charges and minimums to pay down. There were no additional charges on the account, so I effectively paid off the interest-bearing piece of the statement plus {$300.00} additional. They charged me {$36.00} in interest anyway. I have XXXX other credit cards and none do this. Their language is deliberately vague and does NOT state that this is the case, but claim that one phrase about there being ANY balance on the card, 0 % or not, means they charge interest on any and all purchases regardless of whether they 're paid off each period. I ended up paying the card off in order to cut all ties with Chase but they 've collected hundreds in interest from me despite all efforts to pay off what was owed.
XXXX XXXX, XXXX XXXX is a victim of identity theft. He was notified by CBNA bank of a fraudulent application submitted with his information without his consent XX/XX/XXXX with an inquiry reported to his XXXX credit report. An official dispute of this application was submitted to CBNA XX/XX/XXXX however as of this date CBNA has failed to send a reply to the outcome of the investigation which is a violation of the FCRA and my clients consumer rights.
I took out a loan in 2014 with NetCredit for {$2600.00}. I paid on the loan for 40 payments totaling in excess of $ XXXX.I ran into an inability to pay and wanted to work with Net Credit to settle the loan. I even hired a firm to assist. Net Credit was not willing to work with the firm nor myself and an agreement was never reached. My fear is that they are holding back wanting to work with me while late fees and interest continue to accrue at an alarming rate.
This company SANTANDER CONSUMER USA is reporting an account on my credit that does not belong to me - I 've never done business with this company.
This is a formal request to challenge the hard and soft inquiries on my Experian Credit Report. I have sent letters to each line item requsting validation of each inquiry. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX.
I did not receive notice of the pending foreclosure of property XXXX XXXX XXXX XXXX XXXX Georgia XXXX. The deed of this property is titled in XXXX XXXX XXXX, XXXX and it has been so titled for a long time. After speaking with an attorney, I believe that I did not properly receive notice and I request copies of all documentation. I have contacted the foreclosing attorney office, but they have not responded as of today. 

I am no longer willing to subject myself to anymore stalls tactics by Chase. I am interested in leaving this property. Having repeated been denied modifications that I rightly deserved over the years have left me with a negative view of Chase. Each time I call, I am told different things to do. I no longer wish to pursue this matter through them, but I wish to contact HUD to obtain their direct approval for either a short sale or deed in lieu as soon as possible. I truly hope that someone can reach out to me. I am prepared to file bankruptch, but I hope that will not be necessary, since my goal is to vacate the property as soon as possible.
XX/XX/XXXX, I went on a 1 week vacation in Florida. During my visit I was informed about joining a timeshare at XXXX XXXX XXXX ( XXXX XXXX XXXX ), in return they guarantee it will not affect my credit. When I returned back home from my travel, I spoke to an accountant who enlightened me that by joining, it will have some affect on my credit. Immediately I called the resort and requested that they cancel my contract. I emailed, call and sent a mail. In an uncanny way the employee at the resort told me I cant cancel the contract, without no hesitation I called my bank ( wellsfargo ) and explained the situation. They told me they would put a stop to it, but assure you that was n't the case. I recently founded out that the same resort had taken XXXX from me in the past two months, where I had to get aggressive on their deliberate act. My banker refunded my money, and told me to contact " consumer affairs '' to help deal with the unnecessary complication.
Bank of America gave me an incorrect payoff amount. Then, after I missed payments, they are refusing to amend my credit report, even with the amount paid. Then, they sent me a refund notice stating that I was overbilled XXXX, so that amount showing on my credit report is incorrect.