WillisBack/dataset-financial-user-claim huggingface dataset:
I had fraudulant charges on a bank of america credit card I had. I have disputed this numerous times with all 3 credit reporting agency 's. XXXX has finally received confirmation from bank of america to delete this account off my credit report and remove it. However XXXX and XXXX are still reporting it. All they are doing is sending me copies of my credit report stating the account has been updated and verified as mine. I contact corporate office for bank of america and it has been determined that these charges were fraudulant and I would not be liable. I was told to re-dispute and bank of america will respond to delete off my reports. Like I mentioned earlier XXXX has deleted it off my report but for some reason bank of america will not send the same information to XXXX and XXXX to remove off my report. I do not understand this as the response should be the same for all 3 credit reporting agency 's. I contacted free legal advise and was told that if bank of america has deleted this account off the report after my dispute the response should be the same for XXXX and XXXX. I have been dealing with this for months now and having this on my credit reports is affecting my credit score. I am being penalized for charges I did not do. To top this off I thought my balance last year was at zero I had no idea my card was being used fraudualntly.
In XXXX 2015 I had fallen behind on my mortgage and was working with Wells Fargo to remedy the situation. I had put my home on the market for sale and was notified on or around XXXX/XXXX/15 that the house was going into a foreclosure status. I quickly contacted the short sale department and began to work on becoming approved for a short sale. In the meantime, I received a cash offer to sell the house and contacted Wells Fargo to let them know the good news and obtain payoffs. At that time, their system did not reflect any foreclosure fees associated with the property however the next day, they moved my file out of the pending short sale department and it went into an active foreclosure status again charging me {$3000.00} for a {$25.00} filing fee with the courts. They knew that I would be paying them in full in 10 days. I feel that there was no reason for doing this to me and I filed a complaint with them on XXXX/XXXX/2015. I closed on my home on XXXX/XXXX/15 and they were paid in full for all late fees and penalties and interest along with this additional, " foreclosure fee ''. To date, no one has responded to my complaint and I have called in a few times and was only demeaned by the foreclosure department stating that I was the one behind in my mortgage and they did not care that it was paid in full. If the foreclosure department touched my file, that would be the cost. I think that the cost of {$3000.00} is exorbitant for a file that was in their possession for less than 11 days. And again I want to point out that the moment I notified them that I would be paying them in full they moved my file to foreclosure department and acted fast. Please someone investigate this on my behalf. I feel that their practices were designed to intentionally penalize me. I also feel that had I not called them to notify them, I would have sold my home with it not being in the foreclosure status and not been responsible for the additional {$3000.00} in fees ; again proving that the charge was excessive and not in the best interest of the client ( me ). Thank you for your time.
I have paid this account in full and my credit report still has negative marks on it. I was supposed to pay this debt and it was supposed to be removed from my account
I WAS SUED AND THE LAWFIRM SERVED A XXXX. WITHOUT KNOWING MY RIGHTS, I OFFERED TO MAKE MONTHLY PAYMENTS ON WHAT I BELIEVED I OWED. SINCE THEN, THE LAW FIRM CAN NOT PROVE WHAT I OWE AND WHAT MY ACTUAL BALANCE IS. EACH BALANCE THEY ATTEMPT TO GIVE IS SUBSTANTIALLY DIFFERENT INCLUDING THE BALANCE THEY SUBMITTED ON A BANK LEVY. I BELIEVE I MAY HAVE MORE THAN REPAID WHAT I OWE BUT XXXX XXXX XXXX INSIST THAT JUDGEMENT INTEREST IS THE REASON MY BALANCE KEEPS DOUBLING. THERE IS NEVER A CONSISTENT RENDITION OF WHAT I OWE NOR HAVE I BEEN PROVIDED A LEGITIMATE ACCOUNTING DESPITE MY REQUESTS FOR SAME.
I have an American Express credit card before, during I travel out of the U.S., someone stole my credit card information and use my credit card in U.S. After I found the fraud transactions, I reported to American Express . However, they just blocked my account and finally sold to a debt collector. This has great impact in my credit report. I called them so that we can resolve the problem, but they just asked me to call the debt collector. When I called the debt collector and told them the situation, they ask me to call American Express. Then I called American Express again and wanted to negotiate with them, but they refused, and they keep asking me to call the debt collector. When I try to call the debt collector again, they never pick up my phone. Again, I call American Express, they still keep asking me to call debt collector. 
The reasons I need to complain as follows : First, someone hacked in American Express 's system and steal my information is their fault, they failed to maintain a security system to protect their customers. 
Second, after I reported fraud transactions to them, they fail to handle this problem, instead, they just blocked my account. 
Third, American Express locked my account and sold it to the debt collector without contact me. ( they did not contact me, they even did not send me an email ) Fourth, I called them to resolve the problem, but they refused to negotiate with me. They keep asking me to call the debt collector. When I told them I can not reach the debt collector, they refused to solve my problem.
Received a prescreened offer for a credit card from Citi Simplicity Mastercard, I pay all of my cards sometimes most of the time over my required payment due. I was sent an application in which I called several numbers XXXX, then I was given another number, then XXXX, basically took about 7 minutes before I finally got through to someone. One time was asked to call back because their system was down. To be told that I would receive an answer in the mail. The date I called on was Friday XX/XX/19 at XXXX. I finished talking with someone by XXXX or around that time. The invitation number was XXXX.
I sent a wire transfer to Coinbase to deposit in my account on XX/XX/2017. 
I contacted Coinbase 's Bank, XXXX XXXX to verify funds went to Coinbase and they verified it was deposited in Coinbase 's bank account on the same day. 
It has been 17 days now and still no reply from Coinbase as to my money that was supposed to be deposited in my XXXX account. 
Coinbase has no person to contact for wire transfers, just a support email for opening tickets, but they never respond to my emails. 
I deposited XXXX with the wire and the XXXX # is XXXX. 
again, XXXXXXXX XXXX used this number to verify that the money was deposited in coinbase account. 
Coinbase never deposited in my account nor have they returned my money,. 
It says the money would be deposited the same day or by 2 days, it has been 17 days. 
Please help me with this.
I contacted Transunion over the phone in regards to inquiries in my credit. I advised TransUnion that hard inquiries are to be in my file for 2 years, I was advised it will in in my files one more month. I advised Transunion the allotted tome for inquiries to be in my file has expired and to delete the following inquiries. XXXX XXXX XXXX XXXX/XXXX/2013, XXXX XXXX XXXX XXXX XXXX/XXXX/2013. I was advised the inquiries will not be deleted on their two year anniversary date.
I have a HELOC with Wells Fargo. I 've been getting notified for about a year that they were going to increase my monthly payment and convert it to a standard second mortgage with an increased payment. I did not and do not have a problem with that. 
What they did n't notify me is that the interest rate was being raised from 4.24 % to 6.88 %. With a current outstanding balance of {$190000.00}, this is an interest increase of over {$5000.00} per year! 
I have started refinance options but if not successful or if any delay, I 'm paying over {$400.00} per month in interest! 
I had no need to refinance to avoid paying the loan off faster. I certainly had a reason to refinance to keep the interest rate level!
I have a XXXX XXXX Credit Card. High Balance was near credit limit of {$21000.00}. Trying to improve my XXXX XXXX to buy a home - I paid {$10000.00} off of the balance in XX/XX/XXXX. XXXX XXXX told me at the time it takes 30 days for them to report new balance of {$12000.00} to credit bureaus. It is now XX/XX/XXXX and my credit reports still reflect a {$21000.00} balance. I called XXXX XXXX in XX/XX/XXXX to inquire. They said they would send a letter reflecting accurate balance to credit bureaus. They have not. The false high balance is hurting my ability to obtain a mortgage at a competitive interest rate.
My Credit Report was Wrong and was fraud and ai Never Live In XXXX Florida and My Personal DL, SSI Card, Birth Cerficate Was Stolen I Did a Police Report At That Time Birthday They Use Was Wrong Also Someone Put A Credit Card XXXX Card For Credit Limit For XXXX That Was I Freeze all XXXX Credit Companies I Was A Victim also My Husbrand Too XXXX XXXX Same for Him Also Plus They Also Saiding I Never Paid Off My Credit Cards Consumer was me Me and My Husbrand Paid Off Cards and Closed Them. All This Negatives Stuff Cause Me Not To Get A Apartment and Information Is Not Updated Either And That XXXX Are Fraud They Were Sued Going To Court Saiding People Them Not Truth Investgate right way!!!!!
On  XXXX   XXXX ,   XXXX   at   XXXX   XXXX   XXXX   XXXX   I arrived at the Chase Branch located at  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX  NY  XXXX  to Withdraw a  XXXX  dollars from my  XXXX  checking account. I proceeded to make my withdraw at  XXXX , and the ATM registered my withdrawal of a {$100.00} dollars plus {$3.00} charge but it did not dispersed my cash. I then went inside and tried one of the atm and I withdrew the {$100.00} at  XXXX . This time the atm dispersed my cash. However now I am missing {$100.00} dollars from my  XXXX  checking account. My  XXXX  statement shows the withdrawal of {$100.00} twice which is not accurate. Please help me with this issue that is very important to me. I am very disappointed with the service that Chase provides to the public. That 's the reason I am filing this complaint. Thanks very much for your assistance.  XXXX   XXXX .
I have 5 private student loans with Navient that became active this year. I am an active student working on my masters. I was notified by Navient this year that 5 of my loans with them have become active for payment. I started a payment plan with Navient on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XX/XX/XXXX of each month. Navient is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XX/XX/XXXX when {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XX/XX/XXXX when {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XX/XX/XXXX when auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XX/XX/XXXX when auto payment was drafted on XX/XX/XXXX. I also show 90 and 120 day lates on my credit report in the year XX/XX/XXXX when I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time Navient responds with no changes made. I have sent written request via registered mail to Navient asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from Navient. I have depleted all of my options and I am very frustrated. Navient is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.
XXXX XXXX, Bank representative XXXX-XXXX-XXXX/cell XXXX XXXX XXXX  XXXX XXXX XXXX , FL XXXX XXXX Bank telephone number Business Savings Account XXXX was opened on XX/XX/XXXX with a {$15000.00} cash deposit to qualify for a {$200.00} new account rebate offered by Chase Bank of XXXX . 
The {$15000.00} was to remain in the account for 90 days and then I would be credited {$200.00}. 
Account not credited. I called XXXX XXXX in XXXX about the {$200.00} but was told the manager was sick and she would get back with me. 
Called XXXX XXXX on XX/XX/XXXX, was told she was busy and left a message with a man who answered the branch Chase telephone that he would send an email to her. I also called her private cell telephone number with no return call. 
On XX/XX/XXXX, I went into the Chase Bank and met with XXXX and gave her documentation regarding my account. I asked to speak with the manager and was told he was not well. 
I feel that Chase is avoiding paying the agreed amount of money for opening the new business savings account and will follow up with a complaint. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX  XXXX, FL XXXX-XXXX XXXX
I opened two wellness accounts with the XXXX XXXX Hospital for my two dogs.

First was opened on XX/XX/XXXX, second on XX/XX/XXXX. Every visit was paid the same day before we left the hospital and on top of those payments the XXXX was collecting monthly charges of {$64.00} every month on first for the first dog and {$42.00} for the second dog on XX/XX/XXXX every month by withdrawing it from my checking account and those funds were later used to pay for some charges for the dog 's treatments and wellness visits. Attached are all the bills and payments showing that everything was paid on time. Unfortunately my dog had to undergo surgery to remove the XXXX  in XX/XX/XXXX. XXXX was paid in full. The outcome was very bad, XXXX XXXX XXXX XXXX was XXXX and XXXX, XXXX  were nXXXX XXXX XXXX together and XXXX XXXX. The vet XXXX XXXX XXXX second time but it did not help and XXXX XXXX   again. I took our dog to the other clinic and was told that it was XXXX XXXX, dog was in very bad condition with XXXX XXXX XXXX and whoever did the XXXX did not do it the right way. We were told that the only thing we could do now was to XXXX the dog. So we did. I called XXXX XXXX  to cancel the membership on XX/XX/XXXX and asked them to stop withdrawal from my checking account but was told that it is impossible since I had to pay club membership for entire year from starting it, dead dog or not, coming for appointment or not. They kept withdrawing funds for the wellness club for BOTH dogs for the next several months until I closed my account due to identity stolen and money stolen from the account. At this point XXXX sold both dogs ' account to IC System and on XX/XX/XXXX they started collection activity that I have on my credit till now. They want {$300.00} for the dog that actually was killed by their veterinarian and {$160.00} for the other dog that was already under other veterinarian care. Like I mention all bills were paid at the time of their visit, and I even received refund for the overpayment for the dog that was later euthanized. My surviving dog had different veterinarian and I was paying her bills at the new place. I was not going to take my other dog to the place that killed my other one.
I have a XXXX in store credit card through Synchrony XXXX. My original starting credit line was {$1200.00}, they decreased the credit line to {$700.00}. Then I get a letter in the mail stating that my account had been closed. My payment history with all my creditors are good, I may be making minimum payments but have not been 30 days late. I am very upset because now my credit files are going to reflect a closed account that had good payment history!
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company supposedly has on file that was used to verify the accounts and inquiries that I have disputed. Being that they have now gone 30 days and STILL can not verify these under accounts or inquiries under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete ALL information which can not be verified that I have disputed. Please resolve this matter as soon as possible as I am prepared to take legal action if this is not resolved.
{$530.00} was pulled from my checking account on XX/XX/XXXX without my authorization from Ditech. Ditech had no information on their end that they had even done this. I had to have my bank send them a fax stating that they had pulled the money from my account. This overdrew my account and I was several states away and had no money for gas to get home. This also caused me {$92.00} in bad check charges. ( which I still have not received from Ditech ) After numerous phone calls, over several days I was told by " XXXX '' that this was a glitch in their system and that a current project called XXXX was the cause. It caused ACH debits on consumers accounts without their authorization. I talked with XXXX on XX/XX/XXXX and stated that they could go ahead and apply the payment of {$530.00} to my account for the month of XX/XX/XXXX. My payment for XXXX was supposed to be {$420.00}, not {$530.00}. I told her to go ahead and apply the over payment as principal. This would also allow my XXXX payment to be considered on time. 
On XX/XX/XXXX they refunded the {$530.00} back into my account even though I had requested it to go toward XXXX 's payment on XX/XX/XXXX. That now looks like I missed XXXX 's payment. With my checking account being overdrawn for over a week because of XXXX, I was not able to make other payments towards other bills thus making them late. This is not the only XXXX up that they have done with us over the years.
I have been disputing the same items with the Bureau since XX/XX/ 2017 ; erroneous negative accounts and several unknown and unauthorized inquiries. The Bureau has failed to remove the accounts from my report. I asked for a thorough investigation but that has not happened. They are simply replying verified without explanation as to how they verified the information, or without providing me with the requested documentation ; original contract and my signature. 
Also, the Bureau is no longer replying, timely. I am not getting acknowledgement that they are investigating. I am not getting requested documentation as proof of verification. They are violating my consumer rights and this process has become costly and stressful. 
Also, while I have been disputing the items on my report, they continue to insert unverified and unknown items. They will not remove the items or provide proof that I authorized the inquiries or that the accounts belong to me. They are not following credit laws.
XXXX XXXX FROM XXXX XXXX CONTACTED MY PLACE OF EMPLOYMENT SAYING HIM AND A FRIEND FROM THE FUGATIVE SQUAD WOULD COME AND ARREST ME AND IF I DIDNT GO WILLINGLY THEN THE WOULD TAKE ME DOWN WITH EXCESSIVE FORCE .XXXX THEN PROCEEDED TO INSULT ME SAYING I DONT HAVE INTERIGRITY AND MY MOTHER SHOULD NOT HAVE A SON LIKE ME AND HE WAS GOING TO KEEP CALLING MY JOB UNTL HE GOT ME FIRED BECAUSE A PERSON LIKE ME DOESNT DESERVE A JOB
Please see attached letter of complaint that was sent to both Loan Depot as well as XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The loan officer involved, XXXX XXXX XXXX, AL LIC # XXXX, was the loan officer involved. She was the loan officer for the buyer of my home. The letter will explain in detail the delays for two months in closing the house, her incompetence and negligence, as well as unethical and possible illegal behavior. Not only did I incur thousands of dollars of unnecessary expenses, but her client ( my buyer ) also incurred expenses, as well as the seller of the house I was to purchase. Because of XXXX XXXX negligence it was a domino effect that resulted in 10 's of thousands of dollars being spent by families unnecessarily, not including the stress and strain it put on families. 

At the bottom of the letter you will also see the others to whom the complaint was submitted.
Please see the attachment : on or about XX/XX/XXXX.capital one entered into an agreement with me as shown on the attachment. 
On XXXX/XXXX/XXXX I received a phone call @ XXXX XXXX from XXXX a collection agency.The call woke me up.An agent identified themselves then ask me some questions to verify who i was. I then ask them what this was in regards they then explained to me the were a debt collection agency, they had a file sent to them from capital one and they were to collect {$9000.00} due immediately. I told them about the agreement they ask me if I could forward any documents to them to prove I did not owe capital one this amount so I did .The next day I got a call from XXXX they told me they sent the file back to capital one and would not represent them.I want capital one to stop making my credit bad.They are reportin several late payment I incurred XX/XX/XXXX I made all those payments up but to the establishment that does not count only negative information seems to count.I just recently raised my credit score for an acceptable score to be eligible foe a VA XXXX loan now because of capital one 's negative reporting I once again have been disqualified for the loan.capital one has more than recovered their so called losses from me and then some.They should be audited! Please look int this for me I really had my hopes up to buy my first house before I die.This has caused me a great deal of XXXX, XXXX, and XXXX.
On XX/XX/XXXX, Wells Fargo received a payment in the amount of {$2000.00} from my XXXX XXXX checking account ending in XXXX. The funds were mistakenly sent to pay a " PAID IN FULL mortgage account # XXXX. The funds ( {$2000.00} ) laid dormant in this " Paid in Full '' account for 4 days. 

On XX/XX/XXXX, I placed a phone call to Wells Fargo. I explained the above to a clerk who looked up my account. She agreed that the funds are in the " paid in Full '' mortgage account. She could not explain why the funds laid dormant in the " Paid in Full '' mortgage account for 4 days. The clerk told me that they could refund the money to me, but that the funds would have to be send back through the " Bill Pay '' that I used to pay the mortgage. I then clearly explained that the " Bill Pay '' account that was used to send the funds was now cancelled and asked them to send a certified check to me and my wife instead of sending the funds back through a closed " Bill Pay '' account. The clerk left the phone to confer with her supervisor. The clerk then told me that she would have them mail a check on Monday XX/XX/XXXX and That I would get the check on Tuesday XX/XX/XXXX. I never received the check. 

On Wednesday XX/XX/XXXXI placed another call to Wells Fargo. spoke to XXXX employee # XXXX. The funds ( {$2000.00} ) in the account were now marked as reversed. XXXX said the funds were sent back through " Bill Pay '' channels.XXXX XXXX said they do not have the money and the bill pay company does not have the money. The money was never mailed like I requested and that they consented to. Could someone please help me recover my money. XXXX XXXX XXXX XXXX XXXX