WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX in XXXX TN is charging me membership fees that I do n't owe. In XX/XX/XXXX I opened a two memberships at {$20.00} bi-weekly each on a one year contract. In XX/XX/XXXX I went in to tell them I did n't want to renew in XX/XX/XXXX, the attendant noted it to my account in the computer. On XX/XX/XXXX I called to make sure that my membership was terminated on time and I was told that it was. But, instead they charged me a maintenance fee of {$39.00} for the next full year and continued to charge me for membership fees of {$40.00} a month. I told the person on the phone that I had asked for my membership to be canceled, not to go month to month. I did n't want to renew because I did n't like the gym. I was told to bring in a letter to cancel even though I did n't have a contract. I took the letter in the next day and they refused to take it. They said I had to give them a 30 day notice in writing, in which I had in my hand that day. They said I had to pay for the next months fees for the 30 days, even without a contract renewal. I argued with them that all I wanted them to do was stop billing me for usage, because I was n't coming to the gym anymore. I cancel on time at the end of my contract. I had paid all my membership fees during my contract, but they refused to accept my membership expiration date. I then went to my bank and ask them to block the automatic debit card payments on my account. I submitted a claim with my bank, told them what happened and they investigated and refunded me the payment transactions that XXXX XXXX had made past my expiration date of my contract. <P/>XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has place a collection account on my credit report for {$240.00}. I do not owe XXXX XXXX any money. They have been paid in full as of XX/XX/XXXX
I have made settlements to XXXX and they were removed from my file and today I see they are back on my credit file with an opening date of XXXX 2015 which is entirely false. And, they even show duplicate accounts which are the same with a different name. I have disputed with XXXX but do n't have any results yet and I will dispute with the others too, is this legal for them to do this?
I had an account for internet services with XXXX, now XXXX that was opened in XX/XX/XXXX. When I attempted to pay my bill online, their site was unable to locate my account because someone had transposed my last name when my account was opened. 

I called into customer service and they were unable to correct the issue or locate my account. My account was suspended due to late payment, the amount due at this time was around {$90.00}. Because of the poor customer service, I elected to not have my accounted reinstated and returned the equipment. I did not receive a final bill from them attempting to collect the total amount due on my account or stating the total amount due. 

In XXXX of this year, I received a collection notice from AFNI , Inc, for the amount of {$300.00} for this account. There was no explanation as to the final charges. I was able to settle the account by paying {$180.00} ( estimated ), but the account now is being listed as 'settled for less that the amount due ' on my credit report. I was not advised this is how it would be reported when I was offered the settlement amount when paying the collection with AFNI. 

This collection is now being listed on my credit report, even though I 've paid this off, and will continue to be listed until XX/XX/XXXX. I do not believe this has been a fair process in the handling of collecting on this account by either XXXX or AFNI. XXXX because they erroneously recorded my account in the first place, and AFNI because they did not inform me the payment would be listed as a settlement in reporting to the credit bureaus.
I have tired to correct information on my credit report. I have disputed it with both the Bureaus and the creditor. They have not properly investigated and resolved my issue. XXXX XXXX XXXX XXXX begin a modification process on my XXXX and XXXX mortgage at the same time XX/XX/XXXX. After complying with the terms and paying the trial modification my XXXX was modified permanantly in XX/XX/XXXX but my XXXX was not. I constantly asked XXXX XXXX XXXX the status, they said it was still working, I continued to pay the trial payment, then XX/XX/XXXX I got another notification that my XXXX mortgage was under trial modification, Again I continued to pay it on time and in XX/XX/XXXX the XXXX became permanant, almost 1 year later. XXXX XXXX XXXX reports that I was 120 days late and that I was late on my XXXX mortgage since the trial began. They corrected this on the XXXX mortgage but not on the XXXX. I made payments as agreed and yet the report is not an accurate reflection of what happened. I never got an explaination as to why the XXXX mortage took so long. But with the XXXX, XXXX XXXX XXXX Reported that I was on time from the start of the XXXX XXXX. In addition when we started this program - due to job loss- we were told there was nothing that cold be done until we were behind. I would like to have my credit reports reflect as paid as agreed on my XXXX mortgage from XX/XX/XXXX until now. I have attached documetation showing my payments, the agreement and the impact on my credit report. Please HELP I have sent endless disputes to XXXX XXXX XXXX and The Credit Bureaus to no avail. This really hurts my ability to get back on my feet, since the modification, we have been able to make payments and straighten out our financial lives, this inaccuracy does have devastating impact.
hello, i spoken to treasury yesterday and from what i was told midland mortgage received the morgagtor payment for incentive in final year of {$5000.00}. as of today midland mortgage ( the agency ) has yet to debit it to my account. I also was informed, the payment was sent bcos i met my standard guideline and stayed in home until my anniversary date of XX/XX/XXXX. i will now wait until XX/XX/XXXX to receive my monies. if i do n't see the debit coming in and credit going out of my account, i will be forced to seek legal action. as by law and right, that incentive of {$5000.00}, belongs to me the mortgager. 
i will also seek damages for stress and interest as well as my attorney fees to be paid. 
i have all documentation regarding this matter documented with midland mortgage as well as XXXX XXXX and XXXX XXXX from midland as well as treasury dept. 
i will now just wait 8 more days from today to pursue this course. 
XXXX
One month  behind which does not justify them calling my landline and cell. They NEVER leave a message, just keep calling.
The company who left a viocemail didnt identify, just said they would file against my social security number, called back to ask for company name, person kept hanging up and said not to call unless I am ready to make a payment. Finally got ahold of someone with the company told me the company is called XXXX and they are based out of XXXX Texas calling regarding a debt from Bank of America, they would not provide any license number for the company or debt collections. 

I told them this 'debt ' was settled with Bank of America XXXX BOA XXXX years and years ago. They told me because I called them back I agreed to pay the debt. I told them that is incorrect. 

While I was on the phone with FTC Texas XXXX and Texas XXXX, this bogus company is calling ALL of my relatives. Based on XXXX office and XXXX, this business is not registered with the state or the county, as required by law. 

I can not get them to stop calling my family and every time I contacted the number listed on their website I was told no one is available to talk. They are harassing me and my family and threatening bogus filings which I was told is illegal to 'file ' anything against XXXX 's social security number. 

I want this company to leave me alone and stop the threatening harassing and illegal contact.
equifax is posting unverifiable incorrect, and outdated information on my credit report and when i request method of verification i asked them detailed question about how did they come to this conclusion that its correct they dont answer them they just send some template method of verification
I have a current mortgage thru Beneficial Financial/HSBC. I have been trying to refinance it thru a local bank to get a lower APR. I have been going thru this process since XX/XX/2017. My local bank has been trying to get information from Beneficial about my mortgage and not getting anywhere. They asked me to contact them, hoping that me, the customer, would have a better chance. 
So on XX/XX/2017 I contacted Beneficial Financial/HSBC due to the current bank I am trying to refinance with being unable to get Beneficial to respond. Upon talking to a Beneficial customer service representative over the phone, I learned that they had received the request from my bank for the Mortgage Verification, but they would not process it for 30 days. While having them on the phone, I requested a copy of it be sent to my home address as well. The rep. let me know they would do that. 
Today, XX/XX/2017, my bank informed me that they contacted Beneficial to find out why they have not received the Mortgage verification. They were told it was rejected due to it being electronic submission and that they would have to mail a copy to them to be processed. It would take an additional XXXX. At this rate of response, it will be the middle to end of XX/XX/XXXX before I am able to have my refinance completed. 
My complaint is simple, how are consumers able to deal with this if they are in a financial situation and a financial institution is not responding, or responding slowly. In todays age of electronic means, this should be a simple request. This is putting unjust restraint on information that most financial institutions require from each other and could be causing further hardships on consumers. In my case, I am trying to refinance to lower my payments to avoid financial difficulty. I have also read over XXXX reviews from the Consumer Affairs website stating similar experiences and even Beneficial not signing off on the lein after payoff. This has me worried that I am heading down the same path as so many others have.
I contacted the CFPB in regards to XXXX claim earlier and the claim was closed out. 
There are a total of XXXX claims : XXXX, XXXX, and XXXX. There was a total amount of XXXX {$1300.00}. 
Wells Fargos policy is that if the claim is processed within XXXX days of the first fraudulent transaction then provisional credit will be issued. I have only been issued of {$390.00}. 
This is completely unfair and unprofessional all together. 
On top of the fact that my claims were merged together and Wells Fargo never notified me of this which is supposed to be within their policy to do so. XXXX claim XXXX merged together with XXXX on XX/XX/12. 

I have attempted to speak to XXXX and the office of the president for escalations but i continue to get the run around. This is very frustrating and I cant get any help from Wells Fargo.
I received a letter from ACI. The debt was under a different name right mailing address with wrong zip code. I wrote them disputing the debt but they say it 's valid. I have no knowledge of the account.
I have held a mortgage with Bank of America , N.A . for the last XXXX years. I received a letter notifying me that they had sold my mortgage to XXXX effective XXXX/XXXX/15. The letter from Bank of America was dated XXXX/XXXX/15 which was not the proper XXXX days notice that they are required to give consumers. I did n't receive the notification letter until XXXX/XXXX/15 which only gave me XXXX days to respond or change any payment information in time as I left for a trip the next day. Today is XXXX/XXXX/15 & I still have not received any information from XXXX even though the transfer of my mortgage is effective XXXX/XXXX/15. I feel as a home owner I should have been notified a lot sooner than I was. I had to rush & get this taken care of at the last minute before I was to leave the country for my trip. In light of all the mortgage/banking issues I take my mortgage payments VERY seriously & I had to call both Bank of America & XXXX to get the proper information I needed to have peace of mind that my payment would be applied correctly as well as my entire mortgage account. It would have been nice to get this information in a timely manner as required. Thank you.
We closed a month ago and now they want to start the process all over again. Also escrow will have to send the money back to new lender. Our daughter died last XXXX XXXX, 2015 and we have tried to get the home sold since then. what can you do to help us please call us at XXXX as soon as possible
I opened a Macy 's credit card in XXXX 2015. I did not receive a credit card so I was unable to set up online banking One needs the code on the back of the card to set up online banking. I called Macy 's who said I would receive a 30 day extension and a card in the mail. The card never came. I paid by check in the store the amount I owed. I asked via telephone at register if the balance was paid in full. They said it was. Since XX/XX/XXXX I have spent numerous hours on the phone only to be told that the fees are waived. I did this at least 4 times since XX/XX/XXXX at about 30 minutes per time. Each time they say the fees have been removed and they apologize for the inconvenience. Yet they just reported me late to the credit bureaus AGAIN, drastically reducing my credit rating and another bill for {$66.00} all late fees which I have been told over and over again that they would dismiss.
Midwest Recovery placed a collection account on my credit report in XX/XX/2018. I did not receive a XXXX letter nor notification regarding the debt. I wrote a letter to Midwest recovery in XX/XX/2018 and again in XXXX & XXXX asking for debt validation. Meanwhile I also request validation from XXXX XXXX  and XXXX. To date the debt has not been validated but still remains on my XXXX and XXXX credit report. Ive sent a second dispute letter and XXXX  was the only agency to remove the debt because it couldnt be validated. Midwest has not responded to three request to validate and XXXX  and XXXX  have failed to provide the method of validation. This account is unknown to me and I wish it to be removed from my credit report.
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, AND XXXXand have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you
My private student loan is currently being serviced by Wells Fargo. It currently has an outstanding balance of {$50000.00} I have tried on multiple occasions to work out an agreement with Wells Fargo but have been unsuccessful. In one instance, I spoke with XXXX XXXX XXXX, who gave me the instructions on how to file a Hardship Affidavit. Based on our phone conversation, I was led to believe that my request for a hardship repayment plan would be favorably viewed. I have attached the instructions I was given to submit the Hardship Affidavit and a copy of the affidavit eventually submitted. After waiting about a week, I called Wells Fargo to get an update on my request and spoke with numerous representatives from various departments who informed that I would not qualify for any form of hardship repayment. I currently have child support that I am diligently paying off, {$100000.00} in outstanding federal student loans and simply do not have the funds to continue making the current payment for the private Wells Fargo student loans. I respectfully request that the Consumer Financial Protection Bureau helps me work an agreement with Wells Fargo that provides some monetary relief to me so that I can both pay off the debt and be able to meet my other financial obligations. I am currently working overtime on full time job and even picked up a second part time job. However, even with this part time job its simply not enough.
I did a balance transfer on my Discover card. The interest is 0 % until a certain expiration date. The expiration date of the balance transfer is not on my statement. I called and was told Discover does not put the expiration date of balance transfers on the statements because they want you to call. 
This is vital information that is important to know. This information should be on statements.
I am behind on my mortgage due XXXX/XXXX/15. Spoke with the mortgage company and was told that if I make a payment of {$1000.00} towards the {$1700.00} due that the amount will be " help in suspend '' and will not be applied towards the entire balance until the full payment is received in XXXX/XXXX/15. In this situation being told the amount willnot be applied towards my total balance owed will then incur further interest by holding this amount. I am not sure that this is legal and need help understanding if this is legal.
XXXX XXXX has failed to verify that this is my debt. They have chosen to close the account because they were unable to validate. This needs to be removed from my credit report ASAP as it is not my debt and is holding up my mortgage loan.
on XXXX XXXX,2017 wells fargo credit card fraud dept called me regarding supiicious charges on my creit card. i stated the 3 charges for XXXX, XXXXand XXXX were fraudulent and i did not make them or authorize any one to use my card. i have no idea who did it or how they got my card. they ask me if i had the card in mypossession i said did however i misspoke myself when i later looked for the card in my desk drawer it was not there along with another card which was gone. about week later a person from wellsfargo called to follow up on the fradulent use of my card at that time icorrected ststement that i had the card and told tmem i did not havethe in my possession at the time of the chargesand no idea who took the the card or who used the card.on XX/XX/XXXX i wrote them a letter stating thes details.again that i did not have the card in mypossession have no idea who took it or who used it.i susspect it was one of my cleaning people but i have no idea who it could be. hoping u can help and get charges cancelled thank u for your help..XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, mi XXXX credit card # XXXX XXXX XXXX
I sent a dispute on XXXX/XXXX/15 asking for Equifax to validate the debt of XXXX XXXX and XXXX XXXX XXXX # XXXX account belonged to me with documentation showing it was mine and the amount owed. On XXXX/XXXX/15 XXXX they sent me a statement verifying they validated the debt belonged to me. on XXXX/XXXX/15 I sent another request asking them to verify the method used to validate the debt and to send proof of documentation. On XXXX XXXX they sent me a confirmation XXXX saying they verified the debt again with no documents or method of verification. This has been an ongoing issue and they have failed to properly verify the debt by proving it belongs to me and showing me the documents. It is not my job to validate the debt is not mine but it is their job to validate the debt is mine. On XXXX XXXX I asked for the method of verification again and today on XXXX/XXXX/15 they again sent me they verified the debt. I also reached out to the collection agency and was told they would furnish me all the documents and I never received them.
OneMain viewed my XXXX credit report on XX/XX/XXXX without my consent or authorization. 
XXXX XXXX XXXX viewed my XXXX credit report on XX/XX/XXXX without my consent or authorization. 
US SM BUS ADMIN ODA viewed my credit report on XX/XX/XXXX without my consent or authorization. I have contacted them and XXXX disputing these inquiries and they never take any action to removed them. Therefore I am asking for them to investigate these inquiries to provide me with documentations bearing my signature that I have authorized them to viewed my consumer file otherwise I am asking that they remove these inquiries from my XXXX file.
I was behind on my mortgage for my condo, The total in back payments was a little over XXXX. The payment has been {$790.00} for the past years, which is confirmed on my credit report,, I paid the {$62000.00} to have the account current. The bank told me my payment will remain the same as long as I continue to make payments on time. 
After my payment of {$62000.00} was received, the bank started to send me bills of {$2500.00}, {$1400.00} not the agreed amount of {$790.00}
I responded to a communication from CitiBank involving a CitiGold Bank Account bonus ( XXXX Thank you points ) for signing up and meeting certain criteria. I opened the account online which informed me of the bonus points and stipulations to which I agreed. I then met my requirements for the bonus, and began using CitiBank as my main checking account ( bill pay, direct deposit, etc ). However, when contacting CitiBank they instead told me there was no bonus associated. 

I feel like I have been tricked by a company to which I have provided even more business.
A check was received by the company on XX/XX/XXXX and it still shows as not paid on my report. The company hasn't responded to me I paid the balance in full.
Aqua Finance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I called the company they said they had 5 accounts under my name so I gave them my social security number and they said they couldn't find it in there so how did someone open up a account in my name but no ssn it's out of XXXX Florida I don't ever go there ... I need help resolveinv this please
I have this card since XX/XX/XXXX with the initial balance transfer of {$450.00}. I have paid on time never late. I do n't use it unless it is emergency, not checking my statement. I did not realized that I was still being charged for the balance transferred since XX/XX/XXXX. I also did not realized that my monthly payment did not go towards the beginning balance transferred. I also did not know that I was charged with the interest of 23.24 % each month to this day XX/XX/XXXX of {$8.00} per month. How will I ever pay this off? If non of my payment goes to previous balance. Why are they splitting the payment to purchases and not toward the initial balance transferred. I think this is so unfair not to apply to the oldest balance first.
I have filed several disputes with XXXX and Transunion stating the information is fraudulent accounts and have request per my rights to receive validation or verification of these accounts and have not receive anything thing Transunion has taken several months since my last disputes and XXXX refuse to receive or investigate any more disputes concerning these accounts I have sent several letters to both of these companies and they are not sending my the proper paper work XXXX XXXX XXXX XXXX amount of {$1500.00} XXXX XXXX XXXX XXXX amount {$1300.00} these accounts are fraudulent
On XX/XX/2018 I received a letter from Bank of America XXXX XXXX XXXX XXXX XXXX TX XXXX asking for additional information regarding a charge I disputed in XX/XX/2018. The letter required a respond back by XX/XX/XXXX via mail or fax. On XX/XX/2018, I called Bank of America stating I received their letter in the mail on the evening of XX/XX/2018, the day after they required a written response. The rep noted this in the file and said respond as soon as you can. I faxed my response on XX/XX/2018. I received a letter from Bank of America stating my dispute/claim was denied because I responded after XX/XX/XXXX. This seems illegal and a violation of my right to adequately dispute the charge of {$1700.00}. My card account ending : XXXX. Bank of America Case Number XXXX.