WillisBack/dataset-financial-user-claim huggingface dataset:
I have a RushCard debit card and my online account password was changed without my knowledge, a request to setup a card to card transfer was requested, once set up  XXXX  card to card transfer transactions were requested,  XXXX  for {$390.00} and another for {$600.00} by  XXXX  different people on  XXXX   XXXX   2017 . When I received the alerts via email of what was going on I immediately contact RushCard. I was told that they would further investigate. I submitted a dispute form and a letter to RushCard.     RushCard gave me a credit for the {$390.00} but refuse to give me credit for the {$600.00}. Their dispute department states that they do n't show an error with the transaction for the {$600.00}. I have written several letters and submitted the emails I received from RushCard.     The transactions happened at the same way, by  XXXX  different people at the same time and on the same day so I do n't understand why RushCard is not finding an error with the {$600.00} transaction but find an error with the transaction for {$390.00} When I speak with a representative from RushCard they try to make me feel like I am the criminal and requested the card to card transfer and I know the person who got my {$600.00}. Like I said to them if that was the case than why would I be fighting to get my money back. It makes no sense. I am a single mother who lives paycheck to paycheck and need every dime of my hard earned money. Also, I do n't know of any other RushCard holders to transfer money to.
1.I have had Banking relationship with citi for more than 2 years till my credit card accounts were abruptly closed by Citi on XX/XX/XXXX. 
2.During the course of these 2 years I have opened 4 Citi Credit Card Accounts.I have paid balances on all my accounts in FULL and have never been a defaulter on any of these accounts.

3.Despite having a good relationship with citi, all my accounts were closed without any warning.

4.Also during this time, when the accounts were open, I have accumulated more XXXX ( {$2900.00} ) Thank you points which is also forfeited now. 
5. When my account was closed on XX/XX/XXXX-XX/XX/XXXX, I have recorded conversation with a Citi representative who assured me that I have 60 Days to use my points.

I request Citi to go back and check the conversation.

6. But then when I tried redeeming points on XX/XX/XXXX, I was told all points are forfeited.

7. Also, I have paid hefty annual fees on 3 of my credit cards XXXX - {$450.00}, XXXX- {$95.00} and XXXX- {$95.00}.

8.By Mailing a letter to Citi on XX/XX/XXXX, I requested them to re-open my accounts and if I have made any mistake, please let me know and I am ready to correct myself.ALso requested them if account opening is not an option, at least refund the fees which you have charged and my thank you points. 
9.On XX/XX/XXXX, I received a response from a Citi - XXXX XXXX from EXecutive Response UNit mentioning - - She Can not open the accounts.

- Declined to re-instate Thank you points ( XXXX points = {$2900.00} ) - Declined to Refund the Annual fees charged ( {$640.00} ) 10. Due to this sudden closure of the account I have lost almost {$3500.00} and feel cheated by Citi.
I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$5200.00}. I disputed the account with XXXX XXXX XXXX and all XXXX credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my report.
My home mortgage loan amount was paid in full on XX/XX/XXXX to Ditech. Ditech has not reported to credit bureau sinceXX/XX/XXXX. I have made at least 3 calls to the company ( XXXX, XXXX x2 ) to tell them to update this information to my credit because it appear on my report of owing {$110000.00}. This affect my debt ratio. I have received the run around along with fraudulent information from Ditech representatives.
I had a charge account with Chase Card Services. I received their statement and paid off the account on XXXX XXXX, 2017 for {$640.00} which was due on XXXX XXXX. This is what the online statement said, so that is what I paid. Well I check their account to make sure all is going well, and see now they charged me an additional {$8.00}. I asked them to waive this fee, since I paid off the account, and was told no, because it was the interest that was accrued and I had to pay it. And apparently, the payment I made did n't hit the cut off date. So I paid it. Well, then I get another bill, this time for XXXX cents. I asked them to waive it, since I have made my payments on time and no issues. Well, nope, this big run around about how I have to pay this, as it is and activity amount and this incurred because of the billing cycle. So, again I paid this. I ca n't have my credit go bad for this kind of tedious mess. <P/>I have never worked with a credit card company to treat you like this as this company has me. I have paid them off, will not use them again, and I am done with them. I just want others to know this is the way they treat their customers.
I had previous mortgage loan with Newyork Community Bank ( NYCB ). Loan # XXXX I recently refinanced with same lender in XX/XX/XXXX, loan #  XXXX, and escrow was signed onXX/XX/XXXX. Title company for refinance was XXXX XXXX XXXX XXXX chosen by lender. I made XX/XX/XXXX payment for previous loan ( XXXX ) which was posted on XX/XX/XXXX and  money got deducted from my account by XX/XX/XXXX. Therefore final principal payoff amount was {$420000.00} ( not {$420000.00} ) and new funded loan was for principal amount {$420000.00}. I waited till 3rd week of XX/XX/XXXX to  received difference between previous pay-off and new loan amount {$680.00}. After that I called NYCB and they opened inquiry within and promised to give me call back within 48 hours. Never received call or voicemail. After that I sent email through secure messaging system in my login account on XX/XX/XXXX. Followed up 3 times after that but no response so far. I did receive check for {$2200.00} from NYCB that was for balance in escrow account which was there for property tax payments at the time of closing. I still need to receive {$680.00}, which is difference between previous payoff and new loan amount which NYCB is reluctant to give me. I called title company as well and they said I need to deal with lender for that.
Wells Fargo continued to pass me around within a 12 month period to different loan modification employees who requested the same information over And over again, everyone I spoke too had s different story. They provided confusing information. They kept delaying me and kept me on edge. A horrible business model.
I filed and submitted the proper documents to the ACS, to have my student loan deferred, placed on forbearance, and delayed due to economic hardship. However, the company refused to assist me nor would process the documents. Currently, I am unable to repay my student loans due to social and economic hardships placed upon me, at not fault of my own. I have been prevented from gaining satisfactory employment, causing me not to be able to sustain a livelihood.
my XXXX XXXX account is a current account, the XXXX XXXX is reporting few negatives late payments on this account, which are inaccurate, i have spoken to them and also received a letter from the creditor stating that these must be removed and approval to the bureaus but so far no bureau has deleted any of them except XXXX, please make sure that experian and XXXX would also remove these negatives from my report, since they have received the letter as well. ( hence attached ) i would greatly appreciate XXXX XXXX acc # XXXX
Credit Solutions LLC is attempting to collect a debt that was paid by my insurance and continues to report false information to the credit bureaus. The debt was error by XXXX and no amount was ever owed by me personally. Credit Solutions is aware of the false reporting yet continues to report it. I have suffered financial damages as a result of their false reporting.
Dating back to 2015, I was a victim as were several others as prolific identity theft through at uncontrolled mail room. I alerted Equifax and XXXX or XXXX of my status of having my identity stolen and have been on dozens of calls many promising unreturned phone calls since then. I utilized the CPA, specifically 15 U.S. Code 1681c-2 with all the relevant and required information and a block on my identity stolen XXXX account XXXX. This block was later removed at the request of the creditor and I have called or disputed this account no less than 12 times since then. 

All creditors have an incentive to hold the consumer responsible for charges, less they have no hope of recovering them. This is why the after mentioned statute does not even mention the creditors opinion but instead sets out three criteria in which the CRA can remove a block, none of which apply to me. The black was nearly removed at the creditors request without an investigation by Equifax and I was not informed of any of this, thus violating point 2 of the aforementioned statute. They refuse to reinstitute the block in four days as prescribed, and instead continue to run disputes of 30 days, which the creditor denies and this it remains on my credit report. 

This is especially troubling, because I'm trying to buy at home and the difference in the credit scores between the different agencies vary by over 100 points affecting my rates significantly. I've received no communication about why the black was removed of which there are only three reasons in which it should be and none of them have to do with just the creditors biased opinion but with facts that could be relayed by the creditor but must have been communicated to me in a timely manner and still cant be communicated every time I call except with a the biased creditor asked us to. I demand that this consumer protectection statute be observed and this XXXX account be removed from my Equifax report as it has been by the other major agencies. 

Equifax has been in violation of sections ( b ) and ( 2 ) and has been through multiple complaints. The statute places all the onus on the CRA and not the creditor and their refusal to comply has passed every reasonable time line. I expect this issue to be resolved immediately, unless they can show ( 1 ) ( A, B, or C ) yet I have received no communication from them.
TSI XXXX XXXX XXXX XXXX, DE XXXX Consumer Hotline : XXXX Consumer Hotline Fax : ( XXXX XXXX XXXX Have been calling me about a debt that does not exist. I contacted the company they represent, XXXX XXXX who indicates I do not have any debt with them. TSI is persistent in the calls. XXXX XXXX has been notified. THE CFPB needs to strengthen its resolve to protect the consuming public. Errors are permitted by the likes of XXXX, XXXX, XXXX and countless others not reported. There should be some type of real penalty. 

Double standards - CFPB should help find equity in consequences.
I ) National HouseHold Appliance store ; Conn 's HomePlus, Store # XXXX, Located in XXXX, Texas, XXXX County, zip code XXXX ; Using Unethical and Deceptive trade practices for personal financial gain. 
II ) Items listed on Contract /Invoice number XXXX, dated XX/XX/2016, in the total amount of ( U.S . Dollars ) {$2100.00}. 1 ) Used invalid Model number 2 ) Invailed Description 3 ) Invailed Unit Price. 
III ) Items delivered were : 1 ) Incorrect 2 ) Used not New 3 ) damaged. 
IV ) Contacted Sales personal XXXX XXXX and Store Manager XXXX XXXX at store XXXX location ; Refused to correct. Stating Corporate Office must correct. 
V ) Contacted Corporate Office ; Conn 's HomePlus, located in XXXX, XXXX County,? Texas, zip code XXXX-Very dishonest. 
VI ) Receiving No assistance from XXXX store, Corporate Office and Warehouse REFUSING TO PICK UP ITEMS. 
VII ) Within the XXXX XXXX XXXX XXXX day period I voided contract /Invoice listed above on XXXX XXXX, 2016. 1 ) Wrong items 2 ) Used Items 3 ) damaged Items 4 ) OVERCHARGED XXXX ( XXXX ) different Credit Cards. 
VIII ) The XXXX ( XXXX ) forms of payment stated on contract /Invoice 1 ) I was totally UNAWARE that I was opening a NEW CONN 's Credit Card thru Conn 's /Synchrony Bank Financial where ( U.S. Dollars ) {$2000.00} was charged 2 ) XXXX Credit Card ; XXXX XXXX XXXX where {$170.00} was charged. 
IX ) I contacted Conn 's Credit Card /Synchrony Bank Financial-I was told CREDIT WOULD BE ISSUED. As of today 's date XX/XX/2016 NO CREDIT ISSUED. 
X ) I contacted XXXX XXXX XXXX Credit Card as soon as I saw it on Contract/Invoice. 
XI ) **SPECIAL CIRCUMSTANCES*** to be noted : On the date I went to XXXX Store XXXX, XXXX XXXX, 2016, XXXX 
It is my belief that Sales personal XXXX XXXX and Store Managemnt, XXXX XXXX used my medical circumstances in " Bad Faith '' to gain Personal Financial Gain. 
XII ) It is my belief that CONN 's has no intention of " GOOD FAITH '' to correct.
I HAVE NO IDEA WHO IS TRYING TO GET A CAR LOAN IN MY NAME OR USING MY SS # BUT IT IS NOT ME XXXX XXXX XXXX! IT IS AFFECTING MY CREDIT SCORE AND I RECEIVE A OFFER AT LEAST ONCE A WEEK THAT I DID NOT APPLY FOR! I WANT IT TAKEN OFF ASAP! IT SAYS XXXX XXXX XXXX WAS WHEN IT WAS FIRST APPLIED FOR AT XXXX XXXX I DID NOT DO IT! I CAN NOT AFFORD A CAR PAYMENT WHY WOULD I APPLY? PLEASE TAKE IT OFF NOW XXXX XXXX
This is in reference to my original complaint regarding our Capital One credit card that was closed in error by Capital One. Please refer to our original complaint cfpb XXXX dated XX/XX/XXXX. 

We first contacted Capital One about their error on XX/XX/XXXX. On XX/XX/XXXX, we received a letter requesting a street address for my wife. We contacted Capital One on XX/XX/XXXX, and provided the street address. On XX/XX/XXXX, Captial One provided two new credit cards as promised with a XX/XX/XXXX expiration date. On XX/XX/XXXX, we were notified that our credit card account had been closed because we did n't provide the information that was requested ( we did by phone on XX/XX/XXXX ). 

After dealing with an estimated 19 to 25 representatives from XX/XX/XXXX, to XX/XX/XXXX, nothing has been accomplished with one exception. We got a call from XXXX ( employee #  XXXX ) at Capital One 's corporate office on XX/XX/XXXX, and he acknowledged to us on the phone that Capital One had made an error which was responsible for the cancelling of our account. I asked XXXX for a letter from Capital One to confirm that their error was responsible for the cancellation of our credit card account ( open since XX/XX/XXXX ). On XX/XX/XXXX, XXXX said he would see if a letter could be sent to us acknowledging their mistake. He also said we could reapply for an account. We said we did n't want to reapply for an account, just have the old account reopened. XXXX said that they do n't send out letters regarding mistakes until the account has been reopened. It we reapply for the account, and for whatever reason the account is not reopened, they do n't send out a letter acknowledging their mistake. It 's now been 3 weeks since we last heard from XXXX at the Capital One Executive Offices. 

In a nutshell, we 're done. We will not conduct business with an organization that has sloppy record keeping, poorly trained customer service reps, dishonest customer service reps, offer unprofessional treatment to long term customers and have absolutely no sense of urgency. Fortunately, we have other long term credit card accounts and we will remain faithful to those companies. As for Capital One, we 're done playing this endless, fruitless game of nonsense. We are no longer interested in doing business with this unprofessional banking organization. 

I would suggest that people who are thinking about doing business with Capital One, think twice. We 'll never go back!
I was working with Wells Fargo to see what rates they had for mortgages. I was working with XXXX XXXX and once I found out that they could n't go any lower than XXXX % down, I told him to stop the process. I thought it was stopped but then I got a call from XXXX XXXX asking if we wanted to continue with the loan. I texted her that I had told XXXX that we were n't interested any longer a while ago. Then I received a letter in the mail that they had carefully reviewed our application and that they were sorry they were n't able to approve our request for home financing. I was upset because we told them to stop the process multiple times. Even though the letter indicates it would n't affect our credit I want this rectified.
I am applying for a personal loan at Wells Fargo bank in XXXX, Florida the lady told me that my monthly payment will increase by {$10.00} additional dollars because WE DON'T HAVE INCOME TAX IN FLORIDA. 
Who desired that, when, this should be ilegal why a bank its capitalizing on the fact that we Floridian residents don't pay income tax, is this a PUNISHMENT? 

I am going to go the bottom of this anomaly Banks or politicians CAN NOT PLAY with our need for a loan I am negatively surprised with this aberration a bank or politicians can take advantage or our needs Please solve this or I will escalated to the highest authority, we can not convert our state as a sanctuary for whomever wants to get an easy and fast money on our already dilapidated economy Thanks XXXX XXXX ( XXXX ) XXXX XXXX
I filed a dispute with Experian in early XXXX in regards to an account reporting on my credit report that does not belong to me. The account is XXXX XXXX, it was deleted and found not to belong to me. On XXXX XXXX, XXXX I find that this account that does not belong to me is place on my credit report.
Filed CFPB dispute towards CACH LLC. CACH LLC responded in a timely fashion and stated that they would contact XXXX XXXX and have false judgement vacated. To date no action has been taken to vacate the judgement. I have attached a copy of the original CFPB complaint and response from CACH which has CACH 's response highlighted in yellow. 

I have attempted to contact XXXX at XXXX and tried to reach via phone.
XXXX XXXX HAVE CHANGED THE TERMS OF MY LOAN IN VIOLATION OF LAW. MY PROMISSORY NOTE EXPLICITLY STATES THAT ONLY MY PRINCIPAL AMOUNT IS TO BE REPORTED UNLESS I AM REMOVED FROM IBR. I HAVE NOT BEEN REMOVED FROM IBR AND INSTEAD XXXX XXXX HAS DECIDED ON THEIR OWN TO CHANGE THE TERMS OF MY CONTRACT AND HOW THE REPORT MY BALANCE. XXXX XXXX REPORTING THE INCORRECT BALANCE HAS CAUSED ME TO OBTAIN A 40 POINT DECREASE IN MY CREDIT SCORE! FURTHER XXXX XXXX   FAILED TO INFORM ME OF ANY CHANGES TO MY ACCOUNT AS REQUIRED BY LAW!!! I AM REQUESTING XXXX XXXX GO BACK TO REPORTING MY PRINCIPAL BALANCE ONLY OR I WILL BE FORCED TO SUE THIS INCOMPETENT COMPANY! THERE INTERNAL PROCEDURES DO NOT OVERRIDE THE LAW! THEY TRIED THIS SAME ILLEGAL TACTIC WITH ME LAST YEAR AND NOW RETALIATING BECAUSE I WAS ABLE TO GET IT REVERSED.
Graduated from school XX/XX/XXXX. I began to receive bills in XX/XX/XXXX, each time I received a bill I called Navient and told them that I had not graduated but that did not stop Navient from calling my home, sending noticed and billing me every month. Every other day there was a message from Navient reminding me a payment was due and every week I would call the number and talk to a representative and let them know my graduation date was months in the future. Soon I just began to accept the harassment and stop calling. I did send back the bills with notes that I was graduating in XX/XX/XXXX, and I thought I had six months to find a job then start payments. My calls & notes were ignored. <P/>XX/XX/XXXX. I received my notice that my bill was near {$170000.00} with over a full one third in interest & late fees. My student loans are subsidized by the federal government, and should not accrue any interest while still in school. I had very little unsubsidized loans. <P/>I was told if I want my loan to be based on my income than I would have to print everything out and then FAX it in. I did all that and the repayment still included my entire family 's income. I am a grown women responsible for my own bills. <P/>I have worked for a XXXX XXXX at the XXXX level so my XXXX representative urged me to apply for PSLF Public Service Loan Forgiveness. For all my loans to be eligible I consolidated all my loans under an income repayment plan. I filled out all the paperwork to consolidate my loans and adhere to the rules. All loans under one consolidated loan so all would be eligible under the guidelines. Navient instead created two separate loans and said neither was eligible for PSLF. I need help. Navient is destroying my credit score as well as not adhering to the policy set at studentaid.ed.gov. The percentage charged against my loan ensures that I will never be able to pay off the balance.
I have sent letter to Equifax following FTC identity theft guidelines and included police report which Equifax received around XX/XX/XXXX. Also, uploaded it though Equifax website on XX/XX/XXXX with the same info that was sent through USPS. Received a letter today XX/XX/XXXX. That states " Please be specific with your concerns by listing the account names, numbers, and nature of the dispute ''. The Two accounts were circled on credit report provided by Equifax and on website were picked specifically for fraud. I would like those two accounts removed from my credit report per FTC should have been done within 4 days of notification and material which was provided. Equifax was contacted XX/XX/XXXX I contacted the fraud department and told the operator I specifically did not want a fraud report on my account because I would have loans going though and could affect them. Since XX/XX/XXXX Equifax has put a 90 day fraud report on and now a 5 year. I would like them removed and the other two major credit bureaus notified that these were not at my request and removed immediately.
I have a XXXX XXXX credit card that I very rarely ever use. Back in XXXX I realized it was missing, so I called to have it cancelled. When I called, I was told that there was a balance on the card, so I told them I wanted to report it stolen and asked if they could tell me were it had been used. They proceeded to tell me, that the balance was due to late fees as the annual fee had never been paid. I explained to them that I had never received any bills in the mail, and asked if there was anything they could do to help me resolve this. I was told that my only option was to send them a letter in writing to request a waiver. I wrote to them explaining the situation, and my concerns with this reflecting negatively on my credit file, and made the initial payment of the {$39.00} annual fee in the hopes that the late payments would be waived. I got a response from them denying my request, so I paid off the final balance of the acquired fees. I now have not just one, but two late payments reflecting on my credit report, and was denied a home loan due to this. I would also like to know why the charges varied? 

Also, as I mentioned above, I paid these fees off, and it is still reflecting a balance of {$60.00} on my credit report.