WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX I used a Promotional Offer Access Check from my Bank of America Credit Card account ending in XXXX. The amount of the check was {$4200.00} and the only fee for the transaction was a XXXX % transaction fee which {$4200.00} x XXXX % = {$170.00}. The {$170.00} transaction fee reflected correctly on the statement as did the {$4200.00} check amount, however on page XXXX of my XXXX XXXX credit card statement, the total amount I was charged was {$4500.00}, {$100.00} MORE than the XXXX % transaction fee. The transaction also had a promotional APR of 0 % until XXXX XXXX which has not been reached yet, so no other fees should have been tacked onto this charge, yet alone the first month the charge went through. I called Bank of America today since I just noticed this discrepancy today after viewing my statements. The first customer service representative I spoke to looked at the XXXX XXXX, XXXX statement, thought it was odd, said she would put me on hold and talk to her supervisor, and I was simply transferred to another customer service representative who I had to retell my issue to. He was not helpful, could n't explain the charge, and then made up some crazy story that I have a revolving minimum APR charge of {$62.00} per month ( which I do n't have on this account.. and never have- I 've had this credit card since XXXX -- I would have long ago cancelled this card if such a charge existed ). Even the numbers he came up with did n't add up to the excess of {$100.00} charged to me on my statement. I keep getting the run around when I call Bank of America and I feel like I 've been a victim of credit card fraud. If they 've done this to me, they may have done this to others and it is not right. I would like this matter properly investigated as it is n't fair for me to have to pay an unauthorized fee that should n't be there, and its not a small amount either ( {$100.00} in excess ). So when you add up the total fees charged, I was actually charged a total transaction fee of {$270.00} which is {$100.00} MORE than the listed {$170.00} fee.
I am requesting verification of the account from XXXX, account # XXXX on my Experian report. Experian has been reporting a balance that is owed. I have paid the balance of in full. In Result of paying my balance of in full I have received the Congratulation letter dated XX/XX/XXXX and I have also received a free and clear Title for the vehicle ( Please see attachment # 1 and # 2 ). I have also disputed this account several times with Experian and with XXXX. I have attached all letters with certified copies.

I spoke with XXXX from Experian on XX/XX/XXXX and  XX/XX/XXXX. On XX/XX/XXXX, He stated XXXX has verified the information as accurate. On XX/XX/XXXX at XXXX we got a Rep on the phone from XXXX and she stated she will send me the information I requested which was a payment declined or Bounce check. I am sure I paid my balance off in full. But no one is able to provide me with, why I have a balance. The Rep from XXXX did mail a typed letter stating my balance, ( attachment # 3 ) but does not show any type of payment history where the payment was not successfully. I spoke with XXXX   on XX/XX/XXXX and stated No updated information were reported from XXXX. I have attached all documents for you guys to review and come to an agreement to remove to negative Account off my Experian Report. If you have any question please contact me at XXXX or t the above address.
TransUnion has deliberately " re-aged '' XXXX of my old credit accounts ( # XXXX and # XXXX ) and illegally continues reporting adverse information on those accounts, causing the negative credit listing to remain on my credit report longer than allowed by federal law. 
Previously, TransUnion was reporting the estimated date when these items will be removed of XXXX and XXXX ( as clerly shown in earlier credit reports from this company ). However, TransUnion failed to delete this information in a timely manner which is in violation of the Fair Credit Reporting Act ( FCRA ). The continuous reporting of the incorrect information also unduly damages my credit file and prevents me to refinance and obtain business credits, causing monetary losses and distress for me, my family and my business.
I requested a copy of my credit reports from XXXX in XX/XX/XXXX ( incl ). I noticed that all 3 bureaus reported my Chase card account differently. I wrote to Chase requesting that they look into it. In XX/XX/XXXX XXXX from Chase wrote me back ( incl ) that the reporting was investigated and it was found to be accurate. I knew that this could not be correct because there were 3 different sets of information. I called Chase and they told me they would not update anything and that I had to dispute through the credit bureau. I did so through XXXX, and lo-and-behold, Chase updated some of the information ( chargeoff date and Status ). I got another copy of my XXXX report in XX/XX/XXXX ( incl ) - under Status, it still says " {$4400.00} written off. '' Yet I have a letter from Chase and a 1099-C ( incl ) showing that {$2600.00} was written off. If you were to look at my report, based on the High Balance and that Status, it makes it seem as though I never paid 1 dollar to settle. My complaints are : 1 ) that Chase is really giving me the run-around and did not REALLY investigate when I asked them to in XX/XX/XXXX and XX/XX/XXXX, and generally refusing to cooperate. 2 ) That they are continuing to report inaccurate information after my credit bureau dispute. 3 ) That they are knowingly reporting the false info, considering the documentation I am providing CFPB comes directly from Chase. I suppose XXXX and the other bureaus should be required to remove this account since I am sending you the 1099C/letter and my report to show that it is being reported inaccurately, but my main complaint is with Chase for being so intentionally difficult and refusing to correct the information. Both the credit bureaus and Chase keep referring me back and forth to each other for a resolution. Please help.
XXXX XXXX Wells Fargo dealer services account was open. 
Driver license and social card was stolen someone used information to open up bank accounts, XXXX XXXX, XXXX, XXXX XXXX. Cellular phone companies XXXX, XXXX XXXX XXXX and many other pay day loans online
Bank of America reported me 30 days late back on XX/XX/XXXX right after we all here in XXXX Florida went through Hurricane Irma and was trying to rebuild after not having power and communications. Florida was deemed a federal disaster zone and all banks, creditors and financial institutions were giving 90 day grace periods to their customers to help them through that tough time. When I found out that Bank of America reported me late, I called them and they didn't care and told me they don't have to honor the 90 day federal disaster zone payment grace period. I feel that Bank of America doesn't care about their customers and they have destroyed my credit score over 1 late payment during a Hurricane disaster period. They show no concern or mercy for their customers. I would like them to make a 1 time exemption and set aside the 30 day late reporting to the credit bureau due to the natural disaster. I am in the process of trying to buy a house and their negative report is affecting me from getting approved. If they set aside the late reporting is will greatly help my credit score and help me get the house. I will be homeless as of XX/XX/XXXX. 

Bank of America car loan XX/XX/XXXX XXXX XXXX acct # XXXX I have attached the statements after the hurricane showing me falling behind due to the due hurricane disaster. I have also included a Hurricane Irma disaster report showing the devastation and aftermath of the storm on my area. I am also a XXXX XXXX XXXX and was pulled in multiple directions with disaster relief and support and I worked crazy hours after the storm.
I disputed a inaccurate bankruptcy on my credit report that isn't mine with the credit bureaus. It was removed XX/XX/XXXX, then reinserted without notice which is required by the FCRA and notice has to be given by the credit bureaus in writing 5 business days after reinsert. I received nothing from this company. This is a clear violation of the FDCPA legally. I have a right to a fair & accurate credit report. I have also contacted the bankruptcy courts by mail & email & provided copies to this company. I have also been told they don't verify with credit bureaus so they can't provide me any information. I am demanding this deleted immediately for this is ruining my credit & doesn't belong to me.
I have a 6 figure loan with Navient because I have XXXX XXXX and stayed on campus during my XXXX. I had a loan and was laid off in 2017 and my payment plan was not the same when I got on my " feet ''. It was like the loan started over due to a life event. Not only that, in 2017 when I requested lower payment, they couldn't let me pay what I could, I either had to pay over 1,000/month or put my loan on hold because I didn't have the funds. 

I was young when I got my loans before the recession and would not have gone to school if I hd to do it again. Navient has no soul.
In XXXX 2014, I filed a complaint with Harris & Harris , Ltd. pursuant to the Fair Debt Collection Act, hereinafter ( FDCPA ), Section 809 ( b ). 
To date, the said business has not responded. Thus, my state tax refund has been garnished.
Equifax solicited my information and then it was stolen and 3 board members profited from this
I was not properly informed about the terms of the loan. I was not mailed an initial confirmation letter nor a loan monthly/annual summary statements in the first 4 years of the loan. I was not told the loan was purchased by Discover. I Did not understand the loan was at a variable interest rate. My mother   XXXX   XXXX   was put as a co- consigner. She was not present when I toke out the loan. We did not find out until years later. My father 's signature show as the only co signer, yet my mother is on all the paper work. I ask Discovery for a copy of the original loan paperwork with the cosigner signatures and was sent one. Only my father. I have been paying on this $  XXXX  loan about {$190.00} a month for several years. The balance is $ 16k approximately. I found on the internet others have had this same problem.
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-discover-bank-to-pay-18-5-million-for-illegal-student-loan-servicing-practices/ Please help!
Tried to see if I was affected by the Equifax hack, which is already outrageous that they 'd allow my data to be compromised in such a manner, and then their page says " come back later '' to see if I 'm hacked and I 'm under the impression that they signed me up for a service I did n't consent to. This needs to be handled NOW
IN REGARDS TO EXPERIAN XXXX. XXXX XXXX XXXX XXXX XXXX I HAVE SENT IN CERTIFIED LETTERS DATING BACK MONTHS AGO NOTIFYING EXPERIAN THAT MY IDENTITY WAS STOLEN AND THAT I A FEW ACCOUNT HAD BEEN OPENED ON BEHALF OF THAT AND THEY HAVE FAILED TO REMOVE THESE ACCOUNTS AS FOLLOW. I HAVE NEVER DONE BUSINESS NOR HAVE NEVER SEEN THESE ACCOUNT S BEFORE IN MY LIFE AND IM TRYING TO SORT OUT WHY ARE THEY FRAUDULENTLY REPORTING ON MY CREDIT REPORT WITH MY AUTHORIZATION. I'VE ASKED EXPERIAN TO SHOW ME THEIR DETAILED PROCESS OF VERIFYING AND VAILDATING ACCOUNTS METHOD? STILL NO ANSWER ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED AND FORGERY.SEND AN UPDATED COPY OF MY CREDIT REPORT ONCE ALL ITEMS HAVE BEEN REMOVED.
This is to file a complaint against Equifax credit reporting company regarding their unprofessionalism, inaccuracy of report, and delay in their response to fix the problem. I recently reviewed my credit reports and realized that there was mixed personal information and accounts ; all of my sister 's information including her SSN, previous addresses, and accounts were listed on my credit reports. Due to time pressure ( as I was in the middle of obtaining bank loan for a large purchase ), I attempted multiple times to solve the issue as soon as possible. I tried filing the dispute through online and was not able to. I also made multiple phone calls on XX/XX/XXXX and was told that their systems were down. When I made another attempt on XX/XX/XXXX, I not only had to make more than 10 phone calls to get to the right department ( mixed information department ) but also had to spend more than 5 hours without resolution of the problem. For the first few calls to the dispute department, I was asked to call back each time after 30 mins because their system is down. Finally, one of the representative told me that regular dispute department doesn't handle this type of dispute and he transferred me to the mixed information department. When direct number was asked, he refused to provide the direct number of the mixed information department. I was finally able to speak to an agent name XXXX who asked me to call back in an hour because their system was down. About an hour later, I called back to the regular dispute department and was told to call back again because their system is down. I had to insist to be transferred to the mixed information department and was able to get to the department. Unfortunately, I was denied to pursue further action because I failed on identification confirmation. I strongly believe this is due to mixed information listed on my credit report. The representative ( XXXX ) from the mixed information department told me that he can not help me until further identification information is faxed to them. Despite explaining the urgency and importance of correcting the information, he laughed and said " you don't have to do anything and you can send it later ''. Given the frustration and the time I had to spent to go through the hoops, I asked to speak to supervisor. Instead of transferring me to his direct supervisor, he transferred me to a supervisor from regular dispute department ( XXXX ) who confirmed that he doesn't deal the staff from the mixed information department. I asked XXXX to transfer me to his supervisor, I was placed on hold for more than a hour and was not able to speak to anyone. This experience is quite contrary to the experience I had with experian and transunion. I had the same issue with the experian and the XXXX and was able to take care of the same problem within 30 minutes of conversation.
Last night, XX/XX/2018 I received a call from my mother explaining that Wells Fargo had drained all of their bank accounts. Unfortunately, my checkings account was still linked to my dad even though he never uses it himself and all money in that account is made and used by me, a financially and legally independent adult, which could be proven with the tranctions therein. However, I didn't have authority to unlink him from my account and he didn't take action in time to unlink himself. So, I understand that because the account is technically joint, Wells Fargo has a " right '' to set-off any money for debts that my father owes. So I was hit with the following transaction : XX/XX/18 Legal Recovery Set-Off, XXXX {$1900.00} But I just find it absurd how I haven't been given any information prior nor any useful information after trying to contact them. Any attempts to contact them are met with " there's nothing on your account, your dad would have to contact us, it's a government thing, we don't have any other information for you. '' etc. I've called the number on the transaction, their XXXX number, and emailed them all to get mostly non information. They are making no attempt to work this out with me or even explain to me what exactly is going on. This will disrupt my ability to pay bills in the near future.
X/XX/17 To Whom It May Concern, I am writing this letter as I have a complaint that I would like investigated. Recently, I took out a BECU auto loan to cover the cost of my new vehicle. After learning about the new laws, I found that I had been given a loan with an interest rate of 4.24 % which is significantly more than the 0.29 % interest rate which the law states is applicable to loan borrowers. I am now requesting that you please take in depth look at why I have been charged with a higher interest rate. I was told that because my credit score was low, I had was offered the higher interest rate of 4.24 %. I should have qualified for an interest rate of 0.29 %, as all auto loans in WA state have this designated interest rate. After reaching out to BECU by phone, they stated that their lowest interest rate is 2.49 % and that my interest rate of 4.24 % was based on my credit score. Please contact me as soon as possible. I have been receiving inconsistent advice from them. Thank you in advance.
Dear Sir or Madam, Back in XX/XX/XXXX, I've received an offer from HSBC for {$750.00} bonus when a checking and savings account will be opened and some requirements will be met : https : //www.us.hsbc.com/checking-accounts/campaigns/offers/ # premier-checking-details On XX/XX/XXXX, I opened both checking and savings accounts, funded the savings account with {$100000.00} ( the required combined balance between the 2 accounts had to be at least {$100000.00}, as required by one of the conditions ). 
Another requirement was to maintain a balance of at least {$10000.00} for 90 days and then, approx. 8 weeks after the initial 90 days, {$750.00} will be deposited into the checking account. 
On XX/XX/XXXX, HSBC took the initiative of closing my checking account and forfeiting the {$750.00} bonus, although they still have my {$100000.00} in the savings account. 
All my attempts to resolve this issue with HSBC were unsuccessful. Therefore, I'm kindly asking for your assistance. Should additional information be needed, please let me know and I'll gladly provided. 
Sincerely, XXXX XXXX
The credit cards was NEVER RECEIVED I informed CONTINENTAL FINANCE..they were supposed to cancel the card.. but they reported a delinquent amount with the credit bureaus.
I sent a letter ( attached ) to all three credit bureaus asking them to validate XXXX accounts on my credit report and to correct a duplicate account. 
30 days have passed and I have received no communication from any of the credit bureaus to acknowledge my dispute or to show that these accounts were researched and deleted for non-verification within the 30 day timeframe.
On XX/XX/XXXX A bank representative with Wells Fargo Bank by the name of ( XXXX ) informed me that a dispute was opened in XX/XX/XXXX for a claim in the amount of {$620.00}. 

The disputed opened was for an unauthorized charge. The company called XXXX charged my account without my authorization. 

XXXX an agent w/ Wells Fargo Bank also informed me that this claim which was paid back in XXXX was reversed and that proof would be required to reverse the unauthorized charge for {$620.00}. The agent informed me that if that proof was provided the claim would be opened up and the charge for {$620.00} would be reversed. 

The agent also informed me to fax any proof over to the claims department to confirm payment was made to the vendor XXXX in the amount of {$620.00} The agent provide a fax number ( XXXX ) XXXX The agent informed me to include a claim number claim # XXXX on all my docs After submitting information as requested I was later told the information provided to me by XXXX was invalid and incorrect and my claim would ( not ) be reopened and would remain denied. 

I am requesting that Wells Fargo take full responsibility for what the agent informed me and reverse the charge for {$620.00} like I was informed by two agents of Wells Fargo Bank. 

I would like the phone calls reviewed on XX/XX/XXXX with agent XXXX and on XX/XX/XXXX with XXXX Claims supervisor ( XXXX ) agent ID # XXXX informed me the a bank error was made and that I was given incorrect information by XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX both informed me to submit proof of payment to reverse the claim however ( XXXX ) informed that the information was false. And any false information provided by an agent would not change the decision he made to deny my claim due to a bank error.
I have a block on my credit files with Experian, XXXX and XXXX. In order for me to accept or request credit the creditor must physically call me by phone and ask for permission to check or verify my file. 

This was not the case, I didn't receive a phone call from the this creditor XXXX XXXXXXXX XXXX and now I have an Inquiry on all 3 credit files as of XX/XX/2018.
I requested my credit reports in the mail. Upon looking at all  XXXX , the months of  XXXX  and  XXXX  has not been updated accordingly for Texas Attorney General. Also, this account is paid as agreed and not late. This negative remark is affecting my credit worthiness and my livelihood.
I had an account in collections with XXXX XXXX XXXX. I paid this account off as of XX/XX/XXXX. I saw this was still being listed as an open, negligent account on Equifax and started the Process of disputing the information as of XX/XX/XXXX. ( original dispute # XXXX ). On XX/XX/XXXX Equifax closed the dispute and did not update the information and stated that XXXX was validating the information on my report. I spoke to XXXX many times to confirm the account was in fact paid in full and they have sent multiple letters stating the account is resolved. I am in the process of trying to purchase my first home and this is still an ongoing issue. I opened another dispute on XX/XX/XXXX, ( XXXX ) and on XX/XX/XXXX Equifax again confirmed that the information was correct and closed the dispute. I spoke to XXXX again and received a copy of the Universal Data Form which states all my account information and confirms that the account has been paid in full and is now closed. I filed another dispute with Equifax on XX/XX/XXXX ( XXXX ) and supplied the UDF. XXXX responded to the dispute today, XX/XX/XXXX and also resubmitted my updated information to Equifax ( control # XXXX ). I was told by Equifax that this information is electronic and will be automatically reflected on my credit report once XXXX submits it. Now Equifax is still saying they have not received anything stating that my account has been paid in full. Their negligence is hurting my credit score and my ability to purchase my first home and I have been relentless in trying to get it resolved, and I feel helpless.
They have repossessed our car and auctioned it off. We get many calls a day. They were sent a notice and still keep calling. Each time we talk they say they will keep calling till we pay. I am XXXX and on XXXX. We do not have enough to pay our regular bills.
Each day for the past few days I get several cals from XXXX. When I answer it hangs up. So when I call back and it's Advance America. I keep telling whoever answers that I have emailed them and told them I have a financial hardship due to job lost and I can't pay right now. 

And have been in constant contact with them and yet they keep calling me from this number several times daily after my requests to not do that. Or contact my references or former employer ( which I don't know if they are doing but they did a couple weeks ago ). 

Collection or not, they are harassing me with these multiple daily calls. I need them to stop that please.
Experian never does a investigation properly. My accounts shout show {$0.00} balance in chapter XXXX. It reports I owe an amount even after it was disputed with XXXX. They have a XXXX account from a discharged chapter XXXX account in 2012 from which is still being reported as negative, when it should have been removed. I have XXXX pages from an investigation that was supposedly done and only XXXX accounts are shown. My energy bill was sent in where it shows I was not late on payments, but it 's shows that I was late on even more months then when it was first reported ... .The other credits have taken these accounts off or fixed the incorrect area that Experian is still reporting wrong. As the attachments show, Experian has XXXX accounts listed either updated or remains but only XXXX are shown