WillisBack/dataset-financial-user-claim huggingface dataset:
I had to refinance my XXXX loans through XXXX. I applied with the latter agency in XX/XX/XXXX. I sent a letter along with a paycheck stub showing my base monthly pay and requested that they calculate my monthly payment on this amount instead of my XXXX tax returns because I was able to acquire extra work throughout that year. However, it's not guaranteed income, and indeed, I've not been able to secure the same amount of extra work in XXXX, and will be making a lot less. 
In XX/XX/XXXX, XXXX sent information about my monthly payments ( in the amount of {$180.00} per month ), which were scheduled to began in XX/XX/XXXX. A week ( no more than 2 weeks ) before this first payment was due, XXXX sent a letter saying that my monthly payment had increased to {$240.00}. There was no real explanation. On XX/XX/XXXX, I called XXXX, and a customer service rep said that I didn't fill out the application correctly, so they based the payments on my XXXX tax return. 
I was advised to reapply. I have. However, I've been pushed back into forbearance. 
On XX/XX/XXXX, I called XXXX to make sure that I had indeed been put into forbearance ( and that they wouldn't report me for not making the XXXX payment ). The customer service representative who checked my account said that my monthly payment ( that had been scheduled for XXXX ) should be {$180.00}. 
I've since processed the reapplication, per the advisement from the XX/XX/XXXX call. It is accompanied by a letter from my employer that declares my base annual salary. 
Something very fishy is going on at XXXX, and given the unexplained, shifting of monthly payment amounts that come up every time I communicate with them, I believe that this complain is warranted. Please contact XXXX and ask them to send me information on how they have calculated the following monthly payments : {$180.00}, {$180.00}, and {$240.00}. 
Again, I've reapplied to have them calculate my monthly payments, but I'm doing so at a heavy cost, and it's not right.
Over three months ago, I sent a letter to Equifax, asking the to investigate errors on my credit report. I have yet to receive a response.
I changed my name more than a year ago. The other day I noticed my credit score was declining when I checked it on my XXXX account. I tried to get a free report with my new name from the XXXX website but i was not successful. I requested a credit report via mail more than three weeks ago by submitting all the required information but I have not received anything yet. I have tried to contact them multiple time but i have not been successful yet. What am I supposed to do if there is no a physical building or a person I can talk to directly? 

thanks
Macy 's reporting me on credit bureau claiming they have my signature and drivers license, as co-owner. They refused to remove me from the acount though I told them, my former business associate added me mistakenly. I had only agreed to be authorized user.
Collection agency ( Portfolio Recovery ) purchased a debt from XXXX XXXX XXXX in XX/XX/2016. Portfolio Recovery contacted me at my work during working hours and demanded payment of {$400.00} on numerous occasion. Since my employer was now involved, I agreed to a payment schedule of {$69.00} a month in which I paid the first payment with my debit card over the phone. After making the first payment, I reviewed my financial records and could not find where I had ever had an account with XXXX XXXX, therefore I disputed the debt with Portfolio Recovery and in return they sent my a copy of an electronic bill from XXXX XXXX. I responded to Portfolio Recovery stating that this was not my debt and requested a document from XXXX XXXX bearing my signature showing that this was in fact my debt. I then received the same copy of an electronic bill that did not have my signature. I made the second month payment of {$69.00} and then I contacted Portfolio Recovery by phone in which their Customer Service Agent stated that I owed {$260.00}. I told the agent that this was not my debt but she insisted that I would still have to pay or the collection would be on my credit report for seven years. She then stated that if I would pay the remaining {$260.00} that Portfolio Recovery would agree to remove from my credit report if paid in full. I then made a debit card payment in the amount of {$260.00}. After a few months went by, I check my credit report from the three major credit bureaus and found that two of them still listed the collection on my report. I have filed numerous disputes with both the credit bureaus and Portfolio Recovery and each time I receive the same notification that they have verified this debt to be mine and each time I receive the same copy of an electronic bill from Portfolio Recovery. This issue has been going on for almost a year now and I can not get any resolution from either the credit bureaus or Portfolio Recovery.
A. On XX/XX/XXXX I purchased a Business Education and Training Program called XXXX  XXXX XXXX XXXX called XXXX. I purchased training packages and the permission to sell the packages. I paid {$60000.00} for the program and charged {$7500.00} on a BAC Credit Card as XXXX XXXX XXXX, on XXXX I charged {$4500.00} on the same BAC card for XXXX XXXX XXXX NC.. On XX/XX/XXXX XXXX was shut down by the FTC. All XXXX communication and Websites were shut down and remain shut down. Therefore I was unable to sell or get any additional training. On XX/XX/XXXX I notified the BAC dispute department of the situation. They mailed me a from on XX/XX/XXXX and I completed it and sent it back on XXXX XXXX. Since then I have been going back and forth with BAC to send more information and I have submitted information each time. As of XX/XX/XXXX BAC sent me a letter stating they wont continue the dispute because the didnt receive a breakdown of the charges. I submitted a detailed breakdown. This issue is about services unfulfilled. I did receive some of the services : XXXX XXXX XXXX XXXX NC the only items I received from this program was XXXX ( XXXX ) coaching sessions out of XXXX ( XXXX ) which is about XXXX the of the program. Which is XXXX X {$7500.00} = {$1000.00} disputing $ XXXX $ XXXX {$6400.00} XXXX XXXX XXXX XXXX NC I did receive the XXXX ( XXXX ) day seminar, a Private XXXX and a Webinar which is 64 % of the program. Disputing {$4500.00} X 36 % = {$1600.00}. 
I have attached copies of the credit card invoices.
I am behind on paying the loan, and take full responsibility. However, I am getting into trouble at work due to this company contacting my employer.
I made my payments on time with BMO HARRIS bank, and somehow they missed one of the checks my bank sent, the money cleared my bank account, and the funds were taken from my XXXX checkings account. this happened XXXX of 2014, they 've been calling me an harassing me for a whole year about it, and I already explained the situation XXXX times to different people. they never put notes on the system, they 've called my mom at work, my brothers and almost got my Mother fired, I am a United states Marine. a and they call my job everyday from the same number. and they are not trying to work hard to find out who lost the check and were did my money go. at this point like I said my money cleared the account and I never got reimburse for the lost, if you look at my payment history I 've never missed one payment! and I have XXXX cars. they told me they would take my car and that it was n't their problem the money got Lost, that I HAD to pay.
On XX/XX/2017 i went on XXXX to see if there are any interesting credit card offers for me, after putting in my information including the last 4 digits of my social security number an offer came up offering XXXX Amex Membership rewards point for signing up for the Platinum card, I clicked on the offer, it then requiredme to log in to my americanexpress.com account, after that I got to a page with the offer, it required me to put in a few basic information, I read through the entire offer including all the terms and condition and I found to be eligible for this offer, it did not state anywhere that the offer is not available to applicants who have had this product before, so i went ahead and applied for this offer, I got approved and completed the required spending threshold, but when it came the time frame of receiving the bonus I saw that no point came in, I called American Express and they informed that since I already had this card in the past I am not eligible to receive the signup bonus, so I said that there was no mention about this in the application, they insisted that it does state that in the pplication, I asked them to open a complaint, after waiting months the case just closed saying " case was closed as Non Amex error as no defect was found post investigation '', this is unacceptable as American Express was clearly saying that I will get the signup bonus and they have no reason to deny me these points
I contacted the credit bureaus and provided them with written notice on XX/XX/2018, that I was a victim of identity theft and contacted the Federal Trade Commission. I contacted Equifax and asked for XXXX XXXX XXXX ( Account # XXXX ) and XXXX  ( Account # XXXX ) to be removed. I also contacted XXXX  and asked for XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX XXXX ( Account # XXXX ) and XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) to be removed.
I have a CareCredit account with Synchrony bank. called to pay my account in XX/XX/XXXX fotr the balance on my deffered interest charges. they were not willing to work with me, after numbers of calls i stop payments so they called me by then they had already charched all accumulated interest on the card. I set payments for them to withdraw payments from my personal checking account. I not only have to pay the highest interest on the cards but now that I would want to pay another deferred interest charge on the same account they would not speak with me, because i said that i consulted a financial advisor that also serves a a lawyer for my financial issues. they ask me to call another department that they are not able to tell me who they are. I asked why are they giving my personal information to some one that they can even tell me who they are? All no where in my disclaimer or card notice it says that i am not able to contact a finacial lawyer for my personal finances. i have not receive a call from them and the number i call does not have a business name then you call, goes to a personalized voice mail. mypromotional deferred interest is expiring and they are not willing to take my calls because i mention that i spoke to a financial advisor lawyer in regards to my credit.. they have giving my peersonal information to an identety that they are not able to tell me who they are??
I applied to BOA for a credit card in XXXX, 2016, around XX/XX/XXXX. I asked them, before you run a credit check, please confirm that you can respond with approval/denial. They responded in the affirmative. After applying, they informed me that they had to send the request to their office for further review, which would have involved an additional credit inquiry. Since they already put a hard hit on my credit report, without a response, I asked to speak to a manager. When a manager finally called back 4 days later, she refused to remove the credit inquiry hit. The manager was condescending, arrogant, and completely unhelpful. If you want to deal with these people, know what you are in for. Dishonest, deceitful, arrogant, condescending. Not what I call good customer service.
We paid off our loan and the bank says that they mailed our title to and old address. The bank stated that we did not update the new address information in time to get the title mailed to the correct address. We did receive a letter congratulating us that we had paid off our loan to the correct address. I mailed the payoff check to the bank 2 days before we checked to make sure the address was right. So obviously the postal service runs really fast or Citizens Bank 's systems do n't work as well as they should. We have called several times with no single person having any real knowledge of what 's going on. We have had the worst customer service I 've ever had. I seriously believe that Citizen 's Bank hires the people that the cable company would n't hire for customer service. I contacted the person that now lives at the old address and they have not received anything from Citizens Bank.
I received a debt collection letter on XXXX XXXX from a debt collector by the name of Weltman , Weinberg & Reis claiming the I owed {$8000.00}. I sent this debt collector a certified validation letter on XXXX XXXX, however I was also served with a summon and complaint from this collector of which I answer the summons denying all claims of owning this debt. This debt collector ignored and refused to give me solid proof that this debt was mine. They continued to collect on this debt by filing a motion for a default judgement. I received a letter from the courts stating that the motion for a default judgement for the plaintiff was denied and that the matter was dismissed without prejudice. I did not hear anymore concerning this matter until a week ago when my wages was garnished resulting from this debt. This debt collector never validated this debt, they ignored my validation letter, and continued to aggressively pursue a debt that was not validated, and I feel this was a deliberate violation of the fair credit debt collection act. I am filing this complaint because they have violated the fair credit debt collection act with their false credit schemes.
SUNTRUST BANK WRONGFULLY OPENED A MINOR CHILDS ACCOUNT AS A JOINT ADULT ACCOUNT, LINKED TO THE PARENT. PARENT WAS ASSURED THAT WHEN THEY OPENED THE ACCOUNT IT WAS A MINOR ACCOUNT AND THAT THE PARENT ONLY HAD TO COSIGN AND THAT THE MINOR WOULD HAVE NO ACCESS TO PARENT ACCOUNT. A FRAUDULENT CHECK WAS DEPOSITED INTO THE CHILDS ACCOUNT VIA THE INTERNET BY TAKING A PIC OF IT. THE CHECK WAS {$7000.00}. THE CHILD SAID HE DID NOT KNOW THE CHECK WAS FAKE BECAUSE IT CLEARED THE NEXT DAY. THE CHILDS ACCOUNT HAD NO MONEY TO COVER THE CHECK, AND THE BANK WENT AHEAD AND RELEASED FUNDS THE VERY NEXT DAY. THE CHILD WAS ABLE TO WITHDRAW {$3000.00} WITH OUT PARENT PERMISSION, AND ALSO WAS ALLOWED TO USE HIS OWN DEBIT/CREDIT BANK CARD LINKED TO HIS ACCOUNT AND TAKE OUT LARGE AMOUNTS OF MONEY. AS SOON AS PARENT HEARD ABOUT THIS THEY WENT TO BANK AND HAD ALL ACCOUNTS CLOSED. THE BANK THEN TELLS PARENT THAT THE ACCOUNT WAS OPENED WRONG AND THAT THE CHILD WAS NOT LISTED AS A MINOR, BUT AND ADULT ON A JOINT ACCOUNT WITH PARENT EVEN THOUGH THEY HAD HIS DATE OF BIRTH ON RECORD. THE BANK THE SAYS THAT HE SHOULD OF NEVER BEEN GIVEN A DEBIT/CREDIT CARD BECAUSE HE WAS A MINOR. THEN THE BANK SAYS THAT THE REASON WHY THE RELEASED THE FUNDS THE NEXT DAY IS BECAUSE THE PARENT HAD THE FUNDS TO COVER THE CHECK IN HER SAVINGS ACCOUNT. IF THE ACCOUNT WOULD OF BEEN SET UP CORRECTEDLY, THE MINOR WOULD OF NEVER HAD ACCESS THE THE FUNDS BEFORE THE CHECK ACTUALLY CLEARED. THE BANK THEN TELL THE PARENT THAT IF THE PARENT WOULD OF NOT HAD THE FUNDS IN HER SAVINGS ACCOUNT TO COVER THE CHECK THE FUNDS WOULD NOT OF BEEN RELEASED. SO THE PARENT WAS NOT PROTECTED BECAUSE SHE HAD ENOUGH MONEY IN HER SAVINGS ACCOUNT. NOW THE BANK HAS FROZEN ALL OF THE PARENTS ACCOUNT, AND THE PARENT HAD NO IDEA WHAT THE MINOR WAS DOING. PLEASE LET ME KNOW WHAT I CAN DO TO MAKE THE BANK LIABLE FOR THEIR WRONG DOING. THE LADY THAT ACTUALLY SET UP THE ACCOUNT OF COURSE IS NO LONGER AT THE BRANCH. MY PHONE NUMBER IS XXXX AND EMAIL ADDRESS IS XXXXXXXXXXXX. 
THANK YOU, XXXX XXXX
On XX/XX/2018, I emailed Specialized Loan Servicing death certificate, small estates affidavit, and quit claim deed. My brother was on the loan with a co signer. My brother died, and the cosigner quit claimed off of the title I can not get any information on the loan. The loan is in foreclosure, and instead of indicating estate of XXXX XXXX, ( XXXX XXXX ), they just removed his name, not taking the quit claim deed into consideration. 

I do not have the social security number of XXXX XXXX. I want to receive a loan modification since my brother was beind on this mortgage. I have tried to speak and call repeatedly, and I KNOW they received the information because a supervisor looked into this, and told me so.
I experienced a major illness in XX/XX/2017 that required medical transport between hospitals. I had multiple bills come at once for payment. I was making payments for as much as possible to XXXX XXXX and XXXX XXXX XXXX when on XX/XX/XXXX I received a letter from Professional Collections of Maryland - XXXX XXXX XXXX XXXX XXXX, Co XXXX, number XXXX, listing creditor as XXXX, XXXX XXXX XXXX XXXX, Account XXXX. I immediately wrote a check for the full balance, mailed it to the debt collection company address above written to XXXX as that was listed as creditor. That check cleared in XX/XX/2017 and I have the check. The credit company says the ambulance company has it but has not communicated with them- the ambulance company says their billing is off -shore and they can't check to see if it has been paid. We keep getting letters and phone calls- harassing us- saying '' I will put you on hold if you don't .... '' saying we still owe the debt. We feel we are being bullied and harrassed for double payment.The debt collection company is where we sent the check that was cashed- but they state we have not paid it. The check was written to XXXX because on the bill from the debt collector that was listed as creditor on the letter they sent. We have called both companies and mailed a copy of the cancelled check to the collections company. We paid the bill on the first letter we got from the collection agency- we have the canceled check but they will not list it as paid and stop the calls and letters. We paid the entire amount on the first notice. I have copies of the canceled check but do not want to upload to the web site but can produce it when needed.
I processed a balance transfer off from my BOA credit card to my debit card on the XXXX of XXXX. After waiting the 7-10 business days I called in to check and they said to give it another couple of days. Still nothing so I called back and found out that the check was mailed to the wrong XXXX address. I asked to cancel the check and reissue to the correct address or do a wire transfer. They said to wait a few more days because they would hate to cancel the check and it be ready to be processed. So again, I waited. Still nothing so I called on XXXX the XXXX to cancel the check and reissue the transfer. That representative told me that it should not have let me put my debit card in as a transfer because it is for credit cards only and they check would not be deposited. So I put in another request this time for a XXXX transfer to my checking account at XXXX and XXXX to my credit card at XXXX. Right after my account was flagged for fraudulent activities. I logged in to my BOA account because I had still not received the funds to my checking account and it said to call the fraud number. They claim they were calling me with wrong numbers. I verify by my cell phone with every call so I am not sure what the disconnect is there. They were able to take off the hold on the balance transfer to my XXXX account. At first, he said it would be in my account by the XXXX ( 3 days ). I was upset and he was able to expedite this to tomorrow the XXXX. I asked him about my XXXX transfer to my XXXX credit card and he said it was canceled on the XXXX and would need to be processed again. He transferred me to that department. Understandably I was upset when the representative said it would take another 7-10 business days. I asked if it could be expedited due to BOA multiple errors. She assured me that it could not due to the timelines of processing with the other bank. I asked for a supervisor to see if they would be able to make things right. He said that the processing time is 3-4 days and would you like to process that now? I said can you do anything as a longtime customer with multiple issues regarding this transfer. He stated BOA does not have any type of incentive to make things right with customers when BOA makes mistakes. I understand they happen but as a big business, you would think you would have a department that would handle situations like this. His solution was to open a NEW account to save the 4 % balance transfer fee. Why would I want to open a new account with a business that treats their customers like this and does not try to make it right?! Opening a new account in no way offers anything to me to show their appreciation as a customer and to acknowledge BOA errors. I lost XXXX $ in interest due to their errors.
My Jet Blue Visa credit card was sold to Master Card obviously without my consent. When my credit card account went to Mastercard, they charged me an annual fee. I did not agree to pay this fee nor did I sign an agreement with Mastercard agreeing to pay my annual fee. I 've asked them to shut down my account and waive the fee because I did not agree to the fee. I 've called and spoken to XXXX ( manager ) employee # XXXX and XXXX ( in a call center ) employee # XXXX
This is a Parent Plus Loan from XXXX XXXX ( now Navient ) of {$14000.00} in 2009 I received while my daughter attended the XXXX XXXX XXXX XXXX - XXXX XXXX. I started making payments on this loan as soon as it was established and I believe my payments were not allocated properly as this loan should have been paid in full by now. The monthly payment amount would continually change but I always paid more than the required amount.
I recently ran my own credit report yesterday ( XX/XX/18 ) and discovered a debt collections company that has never contacted me has placed a collections account on my XXXX and XXXX reports. First of all, I do not owe this debt. They are accusing me of owing XXXX {$290.00}, but I dont. My XXXX   account is open and paid on time every month. I called the company, Southwest Credit Systems yesterday and they claim to have sent 2 notices to an address I havent lived at in over 6 years. No one lives in that building anymore, it is closed. I imagine they will eventually have their notices returned to them by the post office as undeliverable. I have lived several places since then, and I know XXXX has my current address, as I have my current cable and internet with them right now. Southwest Credit Systems confirms theyve had my correct phone number this whole time, but they havent bothered to use it to attempt to call me. They did not give me an opportunity to dispute this debt before placing it on my credit reports. I opened a dispute about the debt with Southwest Credit Systems directly, as well as with XXXX and XXXX. I called Southwest Credit Systems again today, I spoke with someone named XXXX, to tell them they have to remove the report from my credit reports for 30 days because they never previously notified me of the debt or my right to dispute. They are required to notify me of the account, of my right to dispute, and give me 30 days to do so. They failed to do so, but they refused to make it right.
This is my last resort before I turn to a legal counsel. I sent a letter to this credit repository last XXXX XXXX, 2017 to dispute how incorrect and inaccurate pieces of information on several accounts in my credit report. The payment history is inaccurate/incomplete, and I informed this company about the errors violating FCRA. Furthermore, I disputed these items with XXXX same time I disputed these items with this credit repository. XXXX  removed these entries from my credit report. What possible documents did this credit repository used in their investigation that XXXX was n't able to get or that these creditors did not provide to XXXX? Do n't you think this is a violation of FCRA? Up to this day, this company still is reporting the same incorrect, inaccurate and incomplete credit entries.