WillisBack/dataset-financial-user-claim huggingface dataset:
After BB & T flat out refused, multiple times, to accept my method of payment, I spoke with them XXXXXXXX times stating payment would be sent before XXXX XXXX, 2017. I have continued to receive multiple phone calls asking where the payment is. Again, they refused to accept my payment before the due date and are still refusing to accept it now.
I was paid by my employer on XX/XX/XXXX, but never rec'vd my funds to my account. After ten ( 10 ) days Rush Card has still yet to release the funds as they are ... and i quote, " trying to locate my account in order to post my funds. I 've had the same deposit information on file with my employer for Rush Card for XXXX months now as well as I 've had the same account since XX/XX/XXXX ... how is my account invalid. I have an eviction, disconnect on utilities, phone bill, storage fees, cancellation of my car insurance which I have to carry XXXX. I NEED HELP!
I had paid my credit card off using my checking account. The checking did not have enough funds, and I did n't bother with transfering the money from savings to cover it because I was going to rely on " overdraft protection. '' I was then charged a fee of XXXX for that which I have never been charged for before. I called and complained about that, and all they said was " this was in the paperwork. ''
I notified the Bankruptcy Courts in my area that I was in dispute of what they had reported on my credit report to the three credit bureaus, XXXX, XXXX and Transunion. I sent them a letter in dispute, at which time, I sent it certified return receipt and as certified mail. I have documentation of when I sent the letter and when they received the letter. However, the Bankruptcy Court had failed to notify the three credit bureaus mentioned above of my dispute. I have notified the three credit bureaus and have provided all three credit bureaus with the proof in writing and I even included the dates that the documents were first initially received by the Bankruptcy courts and the credit bureaus have not taken it off my credit report, seeing that the Bankruptcy courts did not notify the three credit bureaus that my file was in dispute so that my file can be noted appropriately. 


I have also sent the letter I received from the Bankruptcy court to all three credit bureaus stating that they did not report the information to them on my social security. However, all three credit bureaus keep saying that the Bankruptcy court did report the information to them, even after I have sent them a letter from the Bankruptcy court that the Bankruptcy court DID NOT report any information on me and my social security number to the credit bureaus.
National Credit systems ( XXXX XXXX XXXX XXXX GA XXXX ) have  been calling me on daily basis trying to collect rent for a lease that my daughter backed out of before the execution date. The NCS Acct # is XXXX & XXXX ACCt # XXXX They sent me initial letter in XX/XX/2018. I have communicated to them in writing using certified letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/2018 asking them to prove that I am legally obligated to pay the lease providing evidence for the following - Documentation that I disputed the XXXX XXXX Issued the lease after my daughter communicated to them that she does not plan to move into the apt . 
- Documentation that they acknowledged that I disputed the lease. 
- I also pointed out that any dispute regarding the validity of the lease belong in the Indiana court and not by a third party collector agency. 

They are continuing to call me on daily basis saying that they rejected my evidence despite my request that they stop contacting and trying to collect based my my documented dispute with the XXXX XXXX .
Filed complaint with Equifax. They will " try '' to resolve in another 30 days bring the time ( if resolved ) to almost 90 days. Have spent over three hours on the phone with Equifax. Depending on who your are talking to ( I spoke to XXXX representatives they range from helpful to rude and incompetent. 
Spoke with the XXXX collection agency. They assured me that they submitted via " oscar '' on XXXX XXXX, all the required paperwork needed to delete the account. They sent me a copy of what they submitted to Equifax. 
Called Equifax back and they insisted they did not get the report. Spoke to another person the nextday. They acknowledged the the debt was paid and were unsure as to why it was still be reported as a derogatory on my credit report. He put me on hold several times and then stated I need to file a complaint with Equifax. I offered to sent him copies of what XXXX sent me but the Equifax rep informed me that they must deal directly with XXXX. 
It should not be this hard to correct an account that was closed as paid in full back in XXXX 2012
This my 3 time writing to the CFP about AES ( American Education Success Service ) reporting to the credit bureaus concerning my student loan. I have sent documents to support the fact that AES does not the right to report to the credit bureaus concerning my student loans and that this entry should have been deleted. But the credit bureaus refuse to delete this entry also. My loans were consolidated XX/XX/XXXX, I have XXXX loans, when AES was first listed as servicer. In XX/XX/XXXX, I went into bankruptcy until about XXXX and my loan was no longer listed under AES, as servicer. Since, I have disputing this negative entry on my report for about 2 years. Now, AES has changed the name on my credit report to XXXX XXXX XXXX, AES HAS NOT SERVICE ANY OF MY thing SINCE XX/XX/XXXX, THIS IS NOT LEGAL. STATUE OF LIMITATION IS OUT. They can not continue to hijack my account like that. This entry needs to be deleted immediately. I will not stop until something is done about removing this entry altogether from my report. Something needs to be done about them with this negative entry. They refuse to remove this negative entry from my report. XXXX was responsible for my loan since XX/XX/XXXX, because my loans was listed on my bankruptcy, I was still in a grace period in XX/XX/XXXX but after that my loans were in default but not with AES, it was with XXXX. So, I do n't know why they are feel so obligated to continue with my loans. The government paid them at the time for my loans.
I have been trying to qualify for the PSLF program. I have worked in the non-profit industry for 12 years, all the while paying back my student loans. I have the correct loan type, the correct employment, have made over 120 payments since XX/XX/2007, and believed to have the correct repayment plan. XXXX thinks otherwise, however. They say I have made 1 correct payment in the past 12 years, but when I ask them to look into my repayment plan they don't provide me with any more information. I have asked for a list of payments, all the info they are working with, but get little to no response at all.
I applied as a cosigner for an apartment. I did not expressly authorized the landlord for a Hard Credit check on my credit report, but still a hard credit check was performed by the company CoreLogic. I have reached out to them and they refuse to remove the inquiry saying that I authorized it, when in reality it is not expressly stated that I signed for a hard credit check to be performed
I have the Home Depot credit card through Citibank which I have had for years, perfect pay, ents I have been dealing with hurricane Irma, so I have had to make all the repairs out of my pocket, I was fortunate enough to get anything from fema or insurance didnt pay for anything, this is included insurance, this isnt included, this doesnt reach deductible so I asked them a few months ago to defer my monthly credit card pay, ent, they did for two months and thats all they can do, so they say. But other credit card companies for example XXXX, they have been very nice about deferring payments. All I wanted was for Citibank to defer the payments until XX/XX/XXXX, that way I am back to normal and I start paying, I dont think thats asking much, especially being proactive, most people would ignore it and they wouldnt respond and I didnt do that, but I have to do it in emails because the phone service has been so bad since hurricane Irma, you cant hear anyone on the phone, phone doesnt ring, what I am supposed to do????? now I am supposed to be punished for this, this is ridiculous!!!!.
I hav e a Kohls account that I always paid on time when it was due but one month t hey never sent me a bill and so i did n't know that anything was due that month. When they called to inquire about the payment I paid them right when I found out anything was due. The next month I noticed that they had put a late payment of 30 days on my report. This was not 30 days late and nor was it my any doing of my own. They erroneously put me on a paperless billing and my bill they sent me went to my spam folder so I had no way of knowing that they were billing me. This is why I always get the bill through the mail.
I went to Wells Fargo Website to open Checking Account and when I finishing completing the application I receive the following message and email Skip to main content Sign Off Customer Service Locations Apply Home Search Thank you for submitting your application, XXXX. 
Print Wells Fargo Everyday Checking Application Reference Number : XXXX Status : After carefully reviewing your request, we have determined that we can not approve your application for this account at this time. We will mail you a letter explaining this decision within approximately 3 business days. 

If you have questions, please call us at XXXX, Mon - Fri : XXXX XXXX XXXX XXXX, Sat Sun : XXXX XXXX XXXX XXXX  Pacific Time. 
Wells Fargo Bank, N.A. Member FDIC. 

About Wells Fargo Careers Sitemap Privacy, Cookies, Security & Legal Online Security Home Ad Choices Report Fraud XXXX - XXXX Wells Fargo. All rights reserved. XXXX ID XXXX When I contact the above number a young man name XXXX Answer indicating that he or his unit can not explain why it was denied that I would have wait for letter in the mail now I have a reference number and they should be able look it up but they can not please investigate this bank and online services and ensure that system is working legally and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulation
I closed all five of my credit cards with American Express on XX/XX/2018 at exactly XXXX PST. The Representative supervisor at American Express did not even read me disclosures to close the card. All 5 of my cards have {$0.00} balances. I closed the cards because American Express is very shady.
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Trans Union, XXXX and XXXX have All allowed XXXX XXXX collection to " re-age '' a 7 year old debt.
After setting up an auto payment with TD bank for a loan to finance the purchase of a pellet stove, I received a notice that the account was past due. I called customer service to confirm that auto-pay was set up, to which, they said that it was not. At this time, I set up auto pay for the second time and made a 1 time payment. However, the next month, the same situation occurred, with my receiving a past-due notice. 

Additionally, the account was set up so that it would not be paid off before the interest-free period was over, despite my stated intention to pay off the loan before the interest-free period ended. 

I believe that TD bank intentionally did not process the auto payment, and further that they intentionally changed the parameters of this loan so that it would not be paid off in time to avoid interest.
GLA Collections re-added a deleted entry back onto my XXXX and XXXX credit reports despite being removed prior. They violated the Fair Credit Reporting Act 611 USC 1681I Section 5B in relation to requirements relating to reinsertion of previously deleted material. GLA never notified me of reinsertion, nor did XXXX or XXXX ever alert me in writing or any other method.
I wish to file a complaint about U.S. Bank and how they have failed to process chargeback requests from XXXX of this year, then claimed my credit card account was past due when it was not, and then had the temerity to turn my account over to their collections department, even though it is not past due and - in fact - should have a credit balance. They have this account all screwed up ; yet, despite my numerous attempts to help they fix their errors, they STILL have not fixed the problems they created and they compound their errors by dunning me with inappropriate late fees and interest charges on this closed and fully paid account, and now they are going so far as to harass me by calling me falsely claiming that I owe money on this account, which I do NOT!
Counterfeit Docu ments filed,  XXXX , i n Register r of De eds Office,  XXXX   XXXX  County Michigan  XXXX   XXXX , Page  XXXX  Filed Documents do not contain the lawful signature of   XXXX   XXXX    XXXX  Notice of this filed Register of Deeds Office,  XXXX   XXXX  County Michigan  XXXX   XXXX  , Page  XXXX  Mortgage was lawfully rescinded  XXXX   XXXX ,  XXXX .  TILA ( Tr uth in Lending A ct, 15 USC 1601 et seq ; 12 CFR Part 226 )  Proper Notice of Rescission filed in Register of Deeds Office,  XXXX   XXXX   XXXX  Michigan.  XXXX    XXXX  Page XXXX  Assignment of Rescinded Mortgage created by  XXXX   XXXX ,  XXXX   XXXX  filed a CORPORATE ASSIGNMENT OF MORTGAGE in Register of Deeds Office,  XXXX   XXXX  County Michigan.  XXXX   XXXX  Page  XXXX   OCWEN LOAN SERVICING, LLC,. then filed a CORPORATE ASSIGNMENT OF MORTGAGE in Register of Deeds Office,  XXXX   XXXX  County Michigan.  XXXX   XXXX , Page  XXXX  OCWEN LOAN SERVICING, LLC now attempting to establish a ESCROW Account Statement dated  XX/XX/2017  against  XXXX   XXXX   XXXX  for a lawfully rescinded mortgage
In Mid XX/XX/2018, I completed an application for the Capital One Venture Card with the following terms : 0 % interest for 12 months for balance transfers and no balance transfer fee. There was also a promotional rate for new purchases. I was approved for the card at the time of the application with a {$10000.00} credit limit. 
I went on line to complete a balance transfer and received a message that I needed to wait so many days to complete a balance transfer. I waited the specified days and returned to my online account. The balance transfer rate was 20 %. I contacted Capital One on several occasions towards the end of XX/XX/2018. On XX/XX/2018, I was told by the employee that I spoke with that I indeed did have the 0 % for balance transfer and new purchases. He told me that I could complete the balance transfer on line even though the other rate displayed and that the promotional rate would be given. 
In early XX/XX/XXXX I noticed that I was being charged an interest rate of 23.74 %. I have made multiple attempts to contact Capital One to have this issue resolved. 
I asked for the call at the end of XX/XX/XXXX to be pulled. Staff at Capital One acknowledged that one of their staff members told me that I indeed did have a 0 % promotional rate on balance transfers, however went on to state that the information he told me was incorrect and that they were going to use this a teaching opportunity for the employee. I was also told that since I could see the rate on line essentially that I am out of luck. 
I have refused to accept this as an answer. Two weeks ago on XX/XX/2018 I called and my call was transferred to XXXX in the executive office in XXXX XXXX, Nevada. She indicated that she would be handling my case, assigned case number XXXX and stated that she would call in 1 week with a status update. I did not hear back in the specified time and called on XXXX-I initially spoke with a XXXX on the east coast who diligently tried to assist me and transferred me to a supervisor who then transferred me to XXXX voice mail. I left a message and to date have not received a response back from her. I called again today XX/XX/2018 and spoke with a XXXX who told me that my case has not even been assigned. He kept saying that they are back logged and when one case is closed the next case is assigned. 
I am requesting that the call from XX/XX/2018 be pulled and the promotional rate be honored by Capital One. I have been charged in excess of {$200.00} in interest in 2 very short months with no action from Capital One. 
I appreciate any assistance in this matter. 
On another note Capital One has my SSN incorrectly listed. This was conveyed to XXXX on XX/XX/2018.
My mortgage company claims to be missing a mortgage payment from XXXX 2015 that was withdrawn from my account {$1500.00} on XXXX XXXX, 2015, I also made a payment of {$3100.00}, on XXXX/XXXX/2015, although I was behind those XXXX payments would have had me caught up on my mortgage. I called to place and investigation and no one ever got to back to me, I have been having problems with this mortgage servicer ever since my mortgage was sold from XXXX XXXX XXXX
We thought that we could get a lower rate from 4.95 %, principal balance forgiveness or some sort of assistance, we were asked to put in for a loan modification to get help. What we got was an interest rate of 4.95 % which is what it supposed to be anyways plus a final balloon payment ( over 139,000 ) -a rip off. You advertised on your website that you are committed to helping home owners with home retention, so how have you helped us? You asked to a bunch of documents, we sent them in for assistance, what we got is a total rip off. Attached are supporting documents for the interest rate of 4.95 % which is where were at prior to the first mod.
Susquehanna Bank, did not route my check properly. Did not disclose the terms of collection of Cashiers Check. Then Susquehanna filed Criminal Charges stating that I forged a check, Due to Susquehanna Bank Discretionary, practices, they have since, change the name to BB & T, which has also caused Financial Discrimination recorded by XXXX. My attorney will be filling International Criminal Complaint under the Mines and Mineral Act to be serviced by the Director of International Finance.
After several attempts via calling and written disputes. TransUnion refuses to correct my name under my personal information. I have never been named XXXX XXXX XXXX or XXXX XXXX. I have never legally changed my name, I have never signed anything using these names, I have never used those names on anything and I do not know how they are verifying anything with a name I have never had/used.
I have gotten divorced and my husband and I contacted the VA in options for what to do so that he could be the only one on the mortgage. The VA advised us to complete a "  Release of Liability '' once the divorce was finalized and I had completed and had a quit claim deed filed. I completed all that, and the  VA advised me that by law, the mortgage company had to remove me from the mortgage due to federal regulations and the fact that they were bound by the laws of the VA. The VA approved my release of liability. I provided all this to Everbank in which they just kept telling me I had to refinance and they refused to use my name.  XXXX  and  XXXX  in  Client Services proceeded to b elittle me and explain what a mortgage was and that I did n't know what I was talking about. They refused to check the VA handbook and just told me that my request was denied. I went back to the VA who provided again proof that they had to remove me, and they are still refusing even though I showed that them that they were required to by law or could face repercussions. They still refuse to remove me, even though the law and regulations say that they have to. Everbank has all the required documentation, including the VA approval letter,  the Quit Claim deed, my  Dissolution of Divorce etc. I am being harrassed to re finance because they want to meet some sales goal or make more money.
I have done multiple requests with XXXX Mortgage to consider giving some help in my HELOC loan # XXXX and after fulfilling all requirements I have been denied XXXX They are now trying to add my XXXX mortgage to my XXXX XXXX to deny me some kind of help
i was in XXXX when my car was lost stolen at XXXX XXXX my card was used fraud in XXXX which i never went i called and sent plane ticket to regions they still not credit my money
XXXX XXXX XXXX XXXX is being reported on my ExperianXXXX credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all XXXX credit resort which hant been done. I payed this item in full on XX/XX/2015.
XXXX XXXX, XXXX, ( XXXX NC ) sent my credit card to the wrong address setting up the path for XXXX late fees. The fees then set the card to cancel and give me and my dad lower FICO scores because of the bad credit ping