WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I noticed Wells Fargo put a negative mark on my credit report because they stated I didnt make a payment on one of my school loans. I made the payment but it was posted to the wrong account. I contacted XXXX XXXX XXXX XXXX and they refused to remove it off my credit score and this dropped my score by 70 points, and Im trying to refinance my loans. Can you please assist me in getting this corrected
MY COMPLAINT IS AGAINST CITIBANK CREDIT CARD FOR ITS POINTED FAILURE TO CONSIDER AT ALL, MUCH LESS, GIVE WEIGHT TO THE OVERWHELMING DOCUMENTARY EVIDENCE OF FRAUDULENT CHARGE OF {$2000.00} MADE TO MY CREDIT CARD ON XX/XX/XXXX BY XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX OF:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , NY XXXX ( MERCHANT ID # : XXXX ). 

I BELIEVE CITIBANK 'S CONDUCT IS CONTRARY TO THE TERMS OF MY CREDIT CARD AGREEMENT, WHICH STIPULATES THAT I WOULD BE RE-IMBURSED FOR FRAUDULENT CHARGES. 

PLEASE SEE ATTACHED MY SWORN STATEMENTS DATED XX/XX/XXXX AND XX/XX/XXXX RESPECTIVELY, WHICH PROVIDES DETAILS OF THE ALLEGED " BAIT & SWITCH '' FRAUD PERPETRATED ON ME BY XXXX XXXX XXXX XXXX. 

THE GIST OF MY COMPLAINT IS THAT XXXX XXXX XXXX XXXX PREDICATED ITS UNILATERAL & PREMATURE WITHDRAWAL ON THE SAME DOCUMENTS THAT MY HUSBAND HAD PROVIDED IT DURING AN EARLIER CONSULTATION in XX/XX/XXXX-XX/XX/XXXX ( i.e. copies of my filed Petition For Review and Memorandum Arguing Against Dismissal ), WHICH XXXX XXXX XXXX XXXX STATED THAT " it had reviewed '', and that it contained " strong arguments in support of my case ''. BUT ONCE XXXX XXXX XXXX XXXX CHARGED MY CREDIT CARD FOR {$2.00}, XXXX, IT DID A 180 DEGREE TURNAROUND AND CHANGED ITS LEGAL OPINION-IN ORDER TO JUSTIFY GORGING ME. THIS IS A CLASSIC " BAIT & SWICTH '' FRAUD case-contrary to New York Disciplinary Rule 2-106 ( A ) ; RULE 1.3 ( c ), New York Rules of Professional Misconduct and the FELONIOUS CRIME of First Degree " SCHEME TO DEFRAUD '' under New York PENAL LAW, section 190.65 ( 1 ) ( b ), which stipulates that ; " A person is guilty of this felony where he engages in a systematic ongoing course of conduct to obtain property from more than one person by FALSE PRETENSES, REPRESENTATION or PROMISES, and thereby obtains property worth more than {$1000.00} from one or more such persons ''.
On XX/XX/XXXX, my husband made a check deposited to my business account at the Wells Fargo branch located XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. The check were payable to my business account XXXX XXXX XXXX, while the teller were busy talking to her co-worker, she deposited to the wrong account under the name XXXX XXXX XXXX. By the time my husband get home, he realized it was the wrong account that she deposited, he called and spoke to the branch manager, XXXX, she said she will take care of it. We also told her that we wrote a check to our employee, please make sure this check will not bounce. On XX/XX/XXXX, we were charged for non-sufficient fund and the check wrote to my employee were bounce. This mistake is unacceptable and it does affect my business and my company reputation
XXXX/XXXX/XXXX XXXX XXXX referred XXXX bills for services to a collection company, Interstate Collection Inc. After examining the explanation of benefits and speaking to a representative from my health insurance company, it was determined that the dates of service and fees are erroneous. I wrote a letter to the collection company denying bill. I also spoke directly to a customer service representative from XXXX hospital billing office by phone. When I quoted the dates of service and fees listed on bill the representative stated that she did not have that information in the system. Letters and phone conversations have been unsuccessful in getting this matter resolved. This negative information will affect my credit rating and impact the interest rate. 
Listed Below is the bill information Date of service : XXXX/XXXX/XXXX {$180.00} Date of service : XXXX/XXXX/XXXX {$20.00} Date of service : XXXX/XXXX/XXXX {$100.00} Date of service : XXXX/XXXX/XXXX {$170.00} My health insurance company mails me an explanation of payments which listed the fees they pay and the any cost that I am responsible for. I reiterate -- the insurance company has stated that they do not have any information for dates and fees listed above. I am responsible for deductibles and copays.
I have no idea who this company is or why they pulled my credit. No way to contact them. This hard inquiry negatively affected my credit report and credit scores
There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX XXXX Special - XXXX County Special - XXXX County Special - XXXX
I am trying to deposit to my BoA checking account ( BoA branch XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) for the amount of {$2400.00} ( {$2400.00} cash and {$30.00} in check ) and was told by the bank teller and branch manager ( XXXX XXXX XXXX ) that they would need to see my ID and SS # in order to make the deposit. I told them why they would need my ID and SS # since this is just simple a deposit no withdraw or check cashing and I have included my account deposit slip and they should have all the info they need. They told me this is a new law that BoA enabled recently for all cash deposit. I told them this the first I heard of this and asked for the statute number of the Act and they could not provide me one. I told them by law they would need to either disclose by mail or posted at the facility such as XXXX, CRA, or Fairling Lending Act. I fell that I was targeting, profiling and discriminated against based on my XXXX and XXXX. Please help ...
I live in XXXX XXXX, Fla. Where we were recently hit with XXXX XXXX , where house was damaged and I 'm faced with overwhelming amount of bills, I reached out to get help with forbearance on my loan, being that 's the Law, and this company BSI Financial Services , is refusing to help me.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. I contact the credit bureau Transunion, but they did not help me, the accounts are still on my credit report and it is hurting my credit score. CFPB do something to remove XXXX ( Original Creditor : XXXX XXXX ) XXXX
I have tried several attempts to get this account deleted and removed from my credit report. On XX/XX/XXXX and again on XX/XX/XXXX I again was notified by XXXX XXXX and Credit bureaus had verified the account. I obtained a vehicle loan XXXX and paid it in full and it was closed as per the report in XXXX. I have requested all documents on this account and it was not produced in over 60 days to verify this account. The first delinquency was XX/XX/XXXX and since this account is paid and closed I have asked that it be deleted and removed completely from my credit report being that it is outdated and the company did not respond with the asked for information in the time allowed. I had spoken with a customer service rep that stated he would fill out the form for deletion of the account required and that it would be removed from my credit reports This has not happened, some are still reporting payments from the day I opened this account.
I have a Capital One account, and had a balance transfer promotion on the account per a bathroom remodel. My line of credit on the card is $ XXXX, and the balance as of XX/XX/XXXX was {$8500.00}. I have since paid {$8100.00}. 

My issue is as follows : I moved in to temporary housing in XX/XX/XXXX and requested a change of address. The address was not changed and as a result I did not receive statements until the XXXX statement was forwarded by the post office. The account has been on auto pay since the commencement of the balance transfer promotion, which included a balance transfer fee. Capital One was receiving payments all along. I since called Cap One due to the forwarding label and old address reflected on the statement and they confirmed the address had not been changed as requested, but they would proceed to make the update. 

The address change issue led to my account being charged interest I believe for the months of XXXX, XXXX, XXXX, and XXXX due to the balance transfer offer having expired. I had no other transactions other than the promo. I called the customer service department twice speaking with XXXX and XXXX ( ID XXXX ). Both acknowledged the address issues and non receipt of statements being very apologetic. Yet, they indicated Cap One does not adjust interest charged. They totally refused to escalate the call indicating they are sr. representatives and that is where it stops because they do not have the ability to transfer calls to their own supervisor or to escalate matters further. 

I called the executive office as I feel I have been treated unfairly and discriminated against and they advised me that all escalations have to go through their general customer service department. This is a large bank and it is unfathmable that this is the way they operate their business and treat customers. I am requesting that the interest charged of {$350.00} be adjusted. Credit card companies are required to provide monthly billing statements to customers, and the fact that Cap One did not do this and conveniently the Balance Transfer promo was to expire makes me believe that it was intentional. I am disputing the interest charged and am requesting an immediate refund for the amount. This will bring my account balance to XXXX. 

I hope that you can assist me with this matter. 

Should you have any questions, I can be reached at ( XXXX XXXX XXXX. My new address is XXXX XXXX XXXX XXXX, XXXX DE XXXX. But, the new mailing address is XXXX. XXXX XXXX, XXXX  DE XXXX. 

Thank you kindly, XXXX XXXX
Bank of America assigned me, yet another representative regarding an ongoing problem. The new one now is XXXX XXXX. XXXX XXXX left a message on XX/XX/XXXX. He did not leave a extension number. I tried to call anyway on XX/XX/XXXX at XXXX, and could not get to him. 

Bank of America has mishandled my loan process, taking over 15 months to complete the first step, and this process is now going on XXXX years with no help. 

They only offer a solution of restarting a possible 15 month first step process again. 

Below is original complaint ; 1. I was given a list of requested documents that I turned in. 
2. I had to keep calling to see if was received and accepted. 
3. I was told I needed addition information. 
4.After sending in the additional information, I was told I needed more additional information. 
5. I get a letter weeks later that they canceled my loan. 
6. I had to call to get it restarted again. 
7.Underwriters requested more documents. I did n't even understand some of what was being requested. 
8 It was then requested I send my entire tax records of XX/XX/XXXX. This was about an inch thick and very difficult to do. 
9 the requested more information that was already contained in the sent info. 
10. I re-sent information once again. 
11. I was told on at least 3 occasions said this should be it, I just need a signature of something and we are good to go. 
12. I would end up sending more info. 
13.I would call again to learn they wanted more information. They wanted a break down, some rental accounting sheet that I did n't have. 
14. They have changed representatives to assist me at least 8 times. 
15. They occasionally call because of the complaints I filed with the CFPB but only state computerized responses and no help. 
16. Many times I was given a number for assistance but ended up in a maze of departments unable to get through. 
17. Towards they end, I was told I made to much for a loan modification, therefore I contacted the refinance department which stated I did not make enough for a refinance 18. Another representative suggested I default on my loan, ruin my credit to have a better chance of a modification. 
19. I was contacted by a representative who gets XXXX XXXX 's ( B of A CEO ) emails however she requested the same information and more, to which I can no longer go through and no longer trust the process. 
20 XXXX. Bank of Americas only solution to rectify this problem is to have me restart the entire process.
Had active medicaid insurance. Dr office did not get proper authorization for follow up. Per billing guidelines can not bill patient for physicians office error, office responsible for getting authorization. Dr office stated I signed a medicaid ABN stating I would be responsible for charges not covered, however if proper authorization had been obtained insurance woild have paid. Spoke with medicaid billing line and confirmed physicians office never got proper paperwork. Also informed physicians office can not bill me for the balance as a medicaid patient.
Experian is refusing to block information on my credit report that has been asserted to have resulted from potential identity theft. I have filed a police report and thus complied with the provisions of section 605B and have asked for a block of the information. These accounts contain information regarding transactions I never made and thus state an inaccurate balance. I am submitting a copy of my police report, my FTC affadavit, and my identity for proof.
Due to a nasty marriage annulment, I was forced to pay vast sums ( later reduced ) to ex for support and her attorneys. That situation caused me to fall behind on my mortgage and necessitated filing chapter XXXX bankruptcy. The trustee for the bankruptcy ordered me to pay the minimum amount on the " pic a pay '' mortgage resulting in negative amortization. I made all of the court ordered payments to the trustee for arrears ( my only required repay was to Wells Fargo who owned the mortgage as a result of buying the bank that had financed the house ) and the regular monthly mortgage payment to Wells Fargo. During the sixty month term of the chapter XXXX, Wells Fargo would not allow online payment or automatic deduction. I was forced to call every month to make the mortgage payment for a fifteen to thirty minute call including hold time, monthly redundant questions regarding contact info, etc.. Upon completing and exiting chapter XXXX, it took several months for Wells Fargo to rectify their books and they still required the monthly phone payment. When i called to make the XX/XX/XXXX payment, I was informed that I was six payments in arrears on the mortgage and they would not accept my payment. I called again and spent a great amount of time with a representative that said I was nine payments behind and foreclosure proceedings had begun on my house. I asked for an accounting of what payments were missed and was informed that the Wells Fargo rep did not have access to that info and it would take thirty days to get it. They had already filed a notice of default and I began to be deluged with calls, letters and emails from lawyers, people wanting to buy my home and services to halt foreclosure. I went to both credit unions that I made the phone call payments from and received printouts of the payments to Wells Fargo in less than an hour ( including travel and wait times ). So, there is no reason Wells Fargo can not click the mouse and get an accounting to me in less than thirty days. Perhaps, they are seeking revenge for the junior lien ( second mortgage ) being stripped upon my chapter XXXX exit. If I am behind in any payments, I have never been notified. If I am behind, it would be due to them not processing the phone payment not me being remiss in calling and wasting valuable time with their reps monthly. Under the chapter XXXX that alleviated the spouse attorney payment and support reduction I have ALWAYS been able to make the payments. If I am behind, I have the means to bring the loan current. Wells Fargo has n't provided any accounting and is intent and focused on repossessing/stealing the home that I have paid for, lived in and bled for since XX/XX/XXXX. Wells Fargo is on record and convicted of many illegal, immoral acts. This is their pattern. They are attempting to steal my family 's home. They are criminals. They wo n't give me an accounting for thirty days as they proceed with foreclosure.
XXXX XXXX company continues to report the status of payment as Foreclosure paid. This incorrect status is preventing me from securing housing.
On XX/XX/XXXX at XXXX I received a call from Endpoint Resolution Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX from the number XX/XX/XXXX I spoke with XXXX. XXXX represented himself as a law firm stating that I was going to be sued for an undisclosed amount owed for a XXXX account, he stated that their company only takes on accounts in which the debtor has assets that have been verified ( I own nothing, have been unemployed for 3 years, and homeless in the last year with XXXX children ). He stated that " You WILL be going back to work, you WILL have wage garnishment '' and that I would be served by a process server in the next 3 days who will come with a security team and that I should be prepared, at which point he was specifically warned that this is a second amendment residence, and that I did not appreciate his threat or comments for the need of a security team. 

I was immediately irate because he spoke to me in a condescending manner, represented himself as a law-firm and threatened me with a lawsuit and made comments about a security team coming to my home, he was rude and mumbled through our conversation. He did not state the company name, did not mini Miranda me, and told me that I will be paying up!
XXXX   XXXX ,  2017  I had fraudulent charges on my   XXXX   XXXX     XXXX   XXXX   XXXX   Credit Card in  XXXX     2017.   The fraudulent charges have since been removed from my account by  XXXX , but a false address and telephone number were also identified in the account. I personally corrected the false information in my credit card account, but noted the false address associated with fraudulent activity now occurs in my Experian credit report. After contacting Experian twice, they finally indicated they would remove the fraudulent  XXXX , Florida address ( I have never lived/worked in Florida  ). However, Experian later emails me Dispute Results ( twice total so far ) and both times the d ispute does not even acknowledge the dispute ( the fraudulent Florida address ), but instead cites deleting a telephone number completely unrelated to the fraudulent activity.  FYI. T he  XXXX  fraud unit is currently still active with my fraud complaint.     I want the fraudulent address removed from my credit reports asap.     Any help would be appreciated.
On XXXX, 2018 I tried to get through to someone at Equifax as I paid for a look at my credit score. It took me a very long time to reach a person and I believe they were located outside of XXXX. They could not help with my log in issue and said it would take 1 week to verify who I am. They rate my score far lower than XXXX and I can not easily cancel my subsciption or dispute old and out of date information. This credit company is unethical and has the ability to ruin peoples lives. They should be shut down due to shoddy practices and no ability to reach someone who speaks English fluently. This is a scam agency who tries to get you to " pay '' in order to fix mistakes on your credit report. No consumer should use this agency.
company continues to call several times a day starting from XX/XX/2018 at least 5 or 6 times a day Conns Furniture Store
Since XXXX XXXX I have been working to resolve an inappropriate charge with XXXX XXXX XXXX, without success. In XXXX my account was sent to Transworld Systems Inc. debt collection agency. I contacted one of their representatives, XXXX XXXX, on XXXX/XXXX/XXXX in order to dispute this charge and was told that they would send a verification request to XXXX XXXX to verify these charges were correct. I never received further communication from Transworld. In the meantime I have been in further contact with the Patient Liason at XXXX XXXX. On XX/XX/XXXX I was told my account had been sent to the auditing department and I should hear a result in a few days. On XX/XX/XXXX I was told my account was still in audit but the debt collection agency had been notified and my account was placed on hold. This was the last communication I have received. On my XXXX XXXX credit report the Transworld debt has been reported, despite my account supposedly being on hold and neither company contacting me further. I have attempted to contact XXXX XXXX and still have not received a call back. I called Transworld who referred me to their credit report department, but every time I call that number I receive a busy signal. This incorrect charge has now impacted my credit score, despite my best efforts to resolve the issue, and neither company is working with me to resolve the issue.
Dear Sir or Madam : I am writing because I need help to dispute a debit in the amount of {$4900.00} on my chase account. The debit was a fraudulent charge during my vacation at XXXX XXXX on XX/XX/XXXX at XXXX XXXX. While I went snorkeling into the ocean, criminals took advantage of my absence to go trough my belongings and using an electronic gadget scanned all my credit cards to later charge as much they could. 

facts : 1. I was not in possession of the debit card when the criminals charged the {$4900.00} on my account. 
2. I have lived in XXXX XXXX, XXXX since XXXX. Prior to that I lived in XXXX  as a member of the XXXX. 
This trip to XXXX XXXX is my first and I have NEVER been to XXXX. 
3. I have never done any transaction with the merchant by the name of : XXXX XXXX XXXX I have asked for a re-investigation of this transaction and I quickly received denials without any basis. 
It is very difficult to believe that a good investigation if any has been conducted on this case. On Chase letter dated XX/XX/XXXX, Chase investigators state that there are undisputed transactions with the same merchant location/Merchant ID for the past 12 Months that matches my spending pattern. I asked to share those details but they CAN NOT reproduce any. I believe there is a mechanism in place that automatically reponds without any investigation. 

The bank security system failed to generate any alarm e-mail or voice mail to ensure the safety and security of my money. Chase bank simply paid a large amount of cash to criminals from a third world country without absolutely any hesitation. 

I have pictures that places me snorkeling during the time of transaction, again no response. 
My wife, and two friends had also their credit cards stolen and charged by the same crimials. 
XXXX, XXXX XXXX XXXX XXXX and XXXX have conducted their investigations and found XXXX XXXX XXXX to be not only a fraudulent merchant but also a nonexistent merchant. Chase bank refuses to investigate. 

I am requesting that {$4900.00} related to the fraudulent transaction be credited to my chase account because Chase bank failed to detect and alert a fraud transaction.
I applied for an auto loan today. The car dealer informed me that I have a derogatory collection on my XXXX credit report. He informed me the debt was from the City of XXXX and the collection agency that handles the debt is Rash Curtis & Associates. I was never aware of this debt nor did I ever receive any notification from Rash Curtis & Associates. I want them to validate this debt.