WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/18 I signed documents to refinance my mortgage from XXXX XXXX  XXXX to XXXX XXXX XXXX company. My loan XXXX XXXX from XXXX XXXX had stated not to pay our monthly payment because XXXX XXXX would be paying off the remaining {$17000.00} balance per wire transfer. All accounts such as taxes, title company, credit cards were paid off by XXXX XXXX on XX/XX/18 which was the disbursement date. XXXX XXXX   XXXX reported the payment late to the credit bureaus which caused my credit report to drop from XXXX to XXXX. I have called and sent XXXX XXXX the disbursement summary to show proof that it was disbursed on XX/XX/18 but they state that the payment was not received until XX/XX/18 since they are on the east coast. XXXX XXXX XXXX has now sold my loan to XXXX XXXX  and XXXX will not return my calls or emails even though she stated she would help me resolve this. XXXX XXXX should have made sure that the payment would be received in a timely manner since XXXX the loan XXXX specifically stated not to make the monthly payment and they would handle it.Neither company will help me in resolving this matter. I have never been late on a mortgage payment and I trusted XXXX XXXX to payoff my balance on time. I don't know which company is at fault but how can I take a drop in my credit when I have never been late on any payments.I need help to resolve this issue. Thank you.
I paid off my mortgage in full. Then Loancare, A XXXX Company auto drafted me by another payment. They gave me a hard time about wiring money me my money. I am a XXXX who is forward XXXX to XXXX without his family. There was no way for them to quickly mail me my money. They resisted sending me my money and had me on hold for an hour. I eventually had to give them my bank records to show that they are wiring me my money, and they agreed that within 48 hours they will send me my money. They have n't sent me my money ; it 's XXXX ; and the took food and presents from my kids who I do n't get to see. Can you help me?
Capital One suddenly blocked my credit, checking and administrative app " XXXX '' from accessing my vital Capital One credit card details in full. Capital One rejected my repeated attempts to reconnect the XXXX system to them. Please resolve and thank you.
On XX/XX/2018 an inquiry was pulled on my TranUnion Credit Report, by XXXX XXXX XXXX and it was flagged as fraudulent and a letter was sent to me concerning the application. 

I spoke with XXXX and was informed that all of the credit reporting bureaus would be notified to remove the inquiry and a letter of confirmation was sent to me. 

I have spoken to Trans Union on many occasions, to inquire as to why the inquiry hasnt been removed and was informed each time that they were not notified by XXXX about the removal request by XXXX and they can not find it in their records. 

So, I sent TransUnion a copy of the letter sent to me from XXXX, stating it should be removed. 

Upon, giving TransUnion ample time to correct the error, I called TransUnion again, about the incorrect inquiry and was informed that although XXXX dated the letter but did not include in the body of the letter, the date of the inquiry, TransUnion refuses to remove the inquiry and has requested me to have XXXX rewrite the letter to include the dated the inquiry was made. 

I have requested XXXX to rewrite the letter to no avail. 

This is a violation of FDCA, TransUnion knows to the date of the inquiry on their records and can clearly see the information matches in Chases letter. 

I should not have to jump through hoops to get TransUnion to to do their job and TransUnion should keep better records of information provided to them multiple times by XXXX. 

I have had other issues with TransUnion using the excuse they cant find various information in their records for accounts although they have sent me copies of the information on their letterhead. 

TransUnion refused to reinvestigate.
I have a second mortgage loan ending in XXXX with Wells Fargo Bank , N.A . ( WF ). I received a letter ( attached ) on XXXX XXXX, 2015 regarding this ( in my feeling XXXX preditory loan. The letter stated " During a recent review, we ( WF ) noticed there was an error in the " Year to Date '' summary section on your billing statement. '' The letter goes on to state there is no action required by me ; however no where in the letter does Wells Fargo explain exactly what the " mistake '' was, when it occurred, the amount, etc. They state that prior to XXXX XXXX, 2015 the year to date amounts paid in " Other Charges and Fees '' and " Insurance and/or Taxes. '' There is no explanation as to what " Other Charges and Fees '' or " Insurance and/or Taxes '' are? WF does not pay any funds for insurance or taxes related to my account that is handled by the first mortgage company. They have ignored my requests in the past to give a full explanation of what " Other Charges and Fees '' are? They seem to just put whatever charges on the account and expect me not to question them when they know they are wrong. Is it legal for WF to just put charges on my account without any explanation or site insurance and taxes for the account that they are not involved with nor do they pay? In the past when I have sent correspondence to WF requesting information they have ignored my letters. I am sending the correspondence from them and my response asking for additional information in the hope that they will respond and provide me what I asked.
I received a call from this bottom-feeding debt collection group in which the caller stated he " had some legal papers to deliver to me '' and that I was to be " served '' these papers in person. He then directed me to call XXXX for more information. This company told me that it is preparing to file a lawsuit against me, in violation of the Fair Debt Collection Practices Act. I see from the numerous complaints in your database that this company makes it a habit of pretending they will file legal action in order to try to collect old, time-barred debt.
I signed up for an 18 month duration US Bank interest free credit card, Acct XXXX :. zero % interest rate on purchases if minimum fee ( 1 % ) paid within 30 days I paid the 1 % minimum fee XX/XX/XXXX. The XX/XX/XXXX bill says " failed to pay the minimum fee '' and asserted the billing cycle was 29 days not 30, declared me in default of my 1 % minimum ; credited my minimum fee to XX/XX/XXXX bill, and charge 15 % interest and {$39.00} " fees '' and have charged me interest ever since. This is just plain fiction. I want it reversed
Equifax had a major breach that exposed my credit information in addition to over 143 million US consumers.
I received four bills ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) for {$19.00} ( {$79.00} in total ) from TransUnion credit monitoring service, however I never agreed to or requested these services. Over a year ago, I signed up for a free account with TransUnion. I checked my credit score once and never returned to the site. I recently discovered these fees in my credit card statements without any notification and certainly no request for the service from my end. I logged into the site today and it immediately notified me that my service had been upgraded and had to accept this upgrade in order to access my account ( this page contained information about the {$19.00} fee ). After accepting I immediately navigated to cancel my membership. I would like to be reimbursed for the {$79.00} that was charged to my credit card and I hope the CFPB looks into this shady practice because it seems to be very common based on blog reviews.
I refinanced my house last year XX/XX/XXXX. I had several accounts in collections. 
Every account was paid in full. The reporting agencies, will not correct mistakes, and the particular company that is listed 3 times on my credit report, with the same account number, WHOM Had initially sent updated information to the credit bureaus on XXXX, and again on XX/XX/XXXX. Experian told me that they did not receive any letters from them, but they have the information that I had previously disputed this.. 
I have been struggling for several years to get this cleaned up. My credit score in close to the same after paying all my debts. ( I had more than 10 accounts in collections. ) I have paid all my accounts on time for over 3 years, refinanced my house, bought a car. Corrections are very difficult to resolve. Specifically the account on my credit reports is Account number XXXX. From XXXX XXXX, XXXX XXXX and XXXX XXXX. ( ALL SAME ACCOUNT ) On my credit report, it has this ONE account listed 2 times on closed accounts, AND ONE account listed says BAD DEBT/ CHARGE OFF. ANOTHER same account listed right below says PAID. then, they have this same account in collections. Please help me resolve this.
I have a collection account listed on my credit reports by a debt collection agency, Account resolution services collecting on behalf of XXXX XXXX XXXX XXXX Account resolution services is not licensed to collect in the state of Florida and therefore I am disputing this collection account.
I contacted PayPal on XX/XX/2019 via secure message on their website and reported a fraudulent attempt by someone who was trying to link their PayPal account to my bank checking account, which is linked to my own PayPal account. The PayPal verification system uses a deposit and then withdrawal of two small amounts into and from the account, when I noticed this activity on my checking account from an unknown PayPal user, I alerted PayPal immediately. The verification transactions were initiated on the same day. 

PayPal did not take this fraud alert seriously. They responded with an automated message containing general information about bank account verification. I responded by telling them to stop with the automatic replies and answer my query. 

On XX/XX/2019, I received a secure message from PayPal associate " XXXX '' in which they stated that the deposits were " most likely just to validate if the bank account is still active ''. This clearly shows that they did not even read my message carefully, because if this was to validate my account, it would have been initiated from my PayPal account, not someone else 's! 

I responded by stating clearly that this was almost certain fraud, I attempted to upload the transaction information to PayPal, however their file upload system was not working. I asked for a fax number to send the time sensitive fraud information. 

TWO DAYS later, on XX/XX/2019, PayPal responded by stating that " a transaction or activity I don't recognize may have been initiated by a family member or part of a pre-approved payment ''. Once again, they did not take it seriously. 

On XX/XX/2019 I received a message from PayPal associate " XXXX '' in broken XXXX stating " Request you to please explain the situation so that we can assist you ''. 

Then I received another message by PayPal associate XXXX asking me to call them via telephone. I do not conduct business via telephone, I have told PayPal this dozens of times, I replied to this effect and then I received another message from " PayPal Customer Support ( no name ) stating " we're required to speak with you by phone to complete this specific request ''. Once again, nothing taken seriously. At this point, I lost my temper and told them to go XXXX themselves. 

They have still not responded to, or addressed what is an unquestionable fraud attempt. I had to have my bank account frozen to prevent unauthorized transactions.
After having a substantial relationship with  Iberia Ban k, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one issue  with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
I had some work done on my car XXXX/XXXX/15. 3 days later on XXXX/XXXX/2015, I was admitted to the hospital XXXX. I contacted Duvera Financial in XXXX, CA, to let them know right away, I would be XXXX and i Asked if it would affect my contract. I was told everything would be ok, due to my XXXX condition. I may only have a late fee of {$10.00} attached to my acct. NOT that I owed the Full amount of {$2800.00} on this contract, due to this 189 % interest rate, which I only had {$1200.00} worth of work done on my car. Why am i Paying an additional {$1600.00}?!? Otherwise, I could of made plans or had someone loan me the money to avoid paying this high dollar amount. I had previously done business with this company, and paid them off twice in 90 days to avoid these astronomical fee 's. I have now paid up to {$2000.00} and I just want this to be over. ; ' ( ( ( NO COMPANY should be able to charge an interest rate so high, when the economy is Not even Financially stable. ) ) This is ridiculous! I feel like i 've been punished twice, from being stuck in this contract and for being sick.
I was contacted by my mortgage lender because my payment had run late. During the call, the agent repeatedly told me the bank WOULD NOT cash my check, as it was not the amount they were looking for. He then falsely stated that it was because I had a shortage in my escrow ( not that it was the late fee ), and requested that I make a payment over the phone. After doing so, the bank took the phone payment, and cashed the check, on the same day, leaving me overdrawn ( Had only XXXX payment been processed, I 'd have had a positive balance ) After contacting the bank to dispute the double charge, and after having my bank also file a dispute, I was informed that it would be ten days before they could return my money. When I called, later, to inquire why it would take ten days, the bank stated that they held checks for that period, in case of situations where there was an error, like the one I reported, or a stopped check. At this time, I have been 3 weeks with no money, and it has placed my finances in disarray, threatened the health and welfare of my family, and may cause other ill effects. Additionally, I believe the bank has been untruthfully changing my payments, year to year, despite my fixed rate loan. Also, at this time, despite the dispute being started on or around XXXX XXXX, I still have not been reimbursed.
Dept of ed. {$63000.00} Tax lien {$82000.00} XXXX XXXX {$1800.00} Tax lien XXXX {$430.00} Tax lien {$13000.00} On several attempt I have contacted the bureau to investigate these account due to the being fraudulent account and or doesn't belong to me. I have asked that they investigate them and sen me supporting document and not just say that the account was verified as that is what happened. The felled to comply and send supporting document as I feel sas if the account may not have been investigated properly.
I sent the collection agency a complaint letter  XXXX    XXXX ,2017  is the day the credit reporting agency received the letter to investigate a collection account on my credit report named  XXXX   XXXX   XXXX   XXXX  that is wrongfully being reported. It has been more than 30 days and I still have n't received a copy of the results. The file I submitted is a tracking for the letters sent.
In the last XXXX months Citi Bank has sent XXXX 'Time is Running Out ' letters to me. XXXX every 30 days the last XXXX months. This is excessive in itself. 

The XXXX letter I called them and spoke with XXXX XXXX in XX/XX/XXXX. Applied for the loan, qualified for the refinancing, was told after a month into the process XXXX XXXX has this loan on some list they are maintaining that blocks me from refinancing my home even though I have an excellent credit rating. This in itself is discrimination. Even though this home is on the list, I have owned this home since XX/XX/XXXX, have not missed XXXX payment nor been late on any payment, and I feel I am being discriminated against. As I understand it if this home was located elsewhere it would be eligible. This singles out certain individuals, and blocks them from taking advantage of opportunities that other individuals have. 

In XXXX I received the XXXX letter, calling Citi I requested these solicitation to stop since they are aware I am ineligible for this refinancing. In XXXX I received the third letter. Again I called and requested to be removed from this list. I have once again received the 'Time is Running Out ' campaign letter in XXXX. When I called them in XXXX I stated if I received another letter I would file complaints against them. This is baiting me to respond because like many individuals refinancing to lower monthly payment is desirable. I am an excellent customer and to be treated in this matter is unacceptable. 

Since Citi bank is ignoring my request and I continue to get this letter of which I qualify for they need to honor this refinancing at no closing cost as stated in their letter.
Hi, PROFESSIONAL DEBT MEDIATION, INC on behalf of XXXX XXXX has been trying to collected an amount of money that is not owe because according to the Florida statutes 83, appliances and all the stuff they are charging me have normal wear and tear and it can not be charge to the tenants. I rent the apartment in XXXX, while this apartment was seven years  old already by XXXX. All inside the property was already in bad conditions and it is reflected on the move-in list. After moving-out in XXXX, ten years more of use plus the 7 previous years, the apartment was with 17 years of antiquity. I have proofs, like photos, the move-in/move-out report, and a letter that confirms that all the payments were always made on time. This situation happened in retaliation from the management, because they were reported for not replacing the carpet after 17 years, for not renewing our contract and for request a first floor to move in for a XXXX apartment. Since I was force to move out due to their retaliation to other place, I was unable to fight this Debt in court and I do not have the money for pay a lawyer to represent me. I already sent professional debt mediation, Inc all the proofs I have, also I reported it to the consumer report in XXXX Florida, which were unable to help me and they send me a referral for an attorney. I did my complaint with XXXX XXXX Consumer Report because this property is a low income property that is offer and sponsored for the XXXX XXXX County. All the charges are unfair and illegal.
Navient modified their online payment system to prevent paying into individual loans. 
They instead group loans together and apply payments across them. 
This makes it impossible to pay off a high interest loan faster than a low interest loan. 
This is a problem because the option was there in the past.
When I check my credit score thru both Transunion and XXXX is shows a balance on my credit card that has yet to be billed. We use our card for a matter of records and never carry a balance on it after the billing period. How can current usage show negatively on y credit report when it has not been billed and the card has never had a balance carried forward.
You have on the credit reports that the accounts with : XXXX XXXX XXXX XXXX XXXX XXXX are closed. This caused my credit scores to go down.These accounts were not " closed. '' These accounts were " paid off ''. Please check your records and change my credit report to read " paid in full. '' I have tried very hard this past 2 years to get my credit in better shape and using " closed '' instead of " Paid in full '' are lowering my credit score. Again, please check into this and correct this report. Than k you so very much for helping me with this matter. I do not need another loan, however, I would like for my credit report to show numbers that prove that I have been working hard to increase my credit s ; core and pay my bills in a timely manner. 
Again, thank you for anything you can do to get this information corrected.
A year ago XXXX XXXX XXXX in XXXX TX tried to collect a debt they said I owed for an ambulance trip XXXX, of course Medicare had already taken care of it. XXXX finally sent me a letter that said XXXX had not contacted them anymore and they had restored my credit rating. This will be hard to believe!! They just sent me another dun in the same amount for the same XXXX trip that was a year ago. This time they even contacted me on the phone. I look them up on the internet and it seems they do this. They just sent me another letter today after I contacted them on the internet and told them I was reporting them.
I purchased a new vehicle from a dealer and paid it off before there was a debt created for the vehicle. Now the finance company continues to state there is an open account when I submitted evidence to them and the credit bureaus that the payoff was made and only XXXX has acknowledge that there is no debt. XXXX continues to report the debt even though they have admitted that the lender has not produces a contract to them validating a debt. XXXX has yet to respond to the matter.
In XX/XX/XXXX I seek assistance in repairing my credit. The account for XXXX with a balance of {$57.00} was written off and was removed by credit repair help. I've noticed that the debt was purchased and now on my credit report again as of XXXX, XXXX XXXX.
This account does not belong to me. This account is a result of identity theft. I have contacted this company many times to inform them that this is not my debt and they have refused to remove this account from my credit file. I need your assistance in getting this matter resolved
I opened a Citigold checking account with Citi Bank in XXXX XXXX with a promotion code entitling me an account opening bonus of XXXX Thank You Points. My eligibility of the promotion was confirmed both by phone call and security message from Citi Customer service, promising crediting the points in XXXX XXXX. However, Citi bank now denies my eligible points saying that I am not eligible. I have proofs from the account opening and early communication to Citi Bank to show that I am indeed eligible.
The loan was sold to another company and they were late the 1st month getting us a proper statement. The 2nd month they have n't credited the $ 's immediately to our account AND did n't send out a statement promptly to show monies received and the statement for the next month. They processed the statement on XXXX and we received it on XXXX, with the payment being due XXXX. They are well aware that they are not processing and sending these statements out in a timely matter. We want to send our payment in before the first of each month WITH A VALID STATEMENT REFLECTING THAT LAST PAYMENT RECEIVED. I expect to my payment to be applied immediately and receive a statement reflecting that, with plenty of time to pay by the first of the month to allow for mail issues. The company name is Nationstar Mortgage XXXX XXXX XXXX, XXXX CA XXXX