WillisBack/dataset-financial-user-claim huggingface dataset:
My husband XXXX XXXX X/XX/2017 ( he went to bed a healthy man and just after XXXX had a massive XXXX XXXX. My daughter and I did XXXX on him while waiting for XXXX to arrive ) a few days later I called to let CHASE CARD know. They repeatedly asked to speak to my husband to get authorization to talk to me?????? Totally upset I handed the phone to my aunt ( not even my husbands aunt ... .MINE ) they spoke to her!!!! They changed the card to me being the primary ( after my husband XXXX XXXX ) without my authorization ( Iwas originally only an authorized user ) I have requested repeatedly that something/anything be mailed to me showing that I gave authorization for this change. They did mail me a copy of the original application that shows my husband as the primary, no secondary and me as an authorized user only. After receiving this they still refuse to remove my name from the card and asked me to mail them a copy of this????? They mailed it to ME why would they then need me to mail it to them? The ENTIRE time that we had this card I would have to have my husband call to give authorization for them to speak to me about anything except making a payment. They also closed the card ( not me ) they continue to call and harass me, They called me 3 times ( even after telling them where i was ) while I was at the hospital waiting while my daughter was having XXXX XXXX!!! They are ruining my credit and will not wash the balance on the card and leave me alone. I would like to have my name removed from the fraudulently opened card, have the balance removed from the closed card and have my credit restored. ( XXXX has already done this XXXX XXXX has not as of yet ). I have repeatedly asked them to turn it over to an outside collection agency as an outside agency will require them to prove this is my bill, yet they continue to try to collect internally.
I was late on a payment in XX/XX/XXXX on my American Express card. They raised the rate to a " Penalty APR '' of 29.99 %. It won't automatically decrease to the typical rate around 17 %. I was late again in XX/XX/XXXX and they are saying they won't even consider dropping the rate for another month - and only then I must show " stability ''.

I've been with them since XX/XX/XXXX. I'm struggling financially and last month was charged {$1100.00} in interest.

How is it possible a rate can be jacked up so high on a late payment.
XX/XX/XXXX, I made an online purchase from XXXX XXXX XXXX XXXX for {$470.00} for a coffee table. The approximate delivery date was to be 56-84 business days. XX/XX/XXXX, purchase posts on my Bank of America account. XX/XX/XXXX, I sent an email inquiring of the status of my order. XX/XX/XXXX, I received a response apologizing and blaming an employee. They also moved delivery date to XX/XX/XXXX. XX/XX/XXXX, I sent another email inquiring of the status of my order. XX/XX/XXXX, I received a response stating they were still behind but my order was in production. XX/XX/XXXX, I sent another email and did not get a response. XX/XX/XXXX, I sent an email officially requesting a refund. XX/XX/XXXX, I contacted Bank of America to dispute the charge based on fraudulent business practices. I received a temporary credit. On XX/XX/XXXX, BofA notified me they were reversing the temporary credit because it was outside their time frame to investigate the claim. I was never contacted by anyone from BofA to collect the evidence of my claim, which substantiated the extended time frame. On XX/XX/XXXX< I contacted BofA and requested my claim be reopened. I was given instruction to complete a rebuttal letter and provide the correspondence I had between myself and the company. I provided this to BofA on XX/XX/XXXX. On XX/XX/XXXX, BofA removed {$470.00} from my account. On XX/XX/XXXX, I contacted BofA and again requested my claim be reopened. BofA supervisor XXXX, in Arkansas, refused to do so based on being outside the time frame, despite what I was told previously by BofA and the evidence I provided to them. I can share the same with your agency once I am contacted.
A magazine called XXXX 's XXXX started sending me issues of their magazine unsolicited. After a few issues they sent me a bill which I returned to them and told them I didn't want their magazine and to please stop sending it to me. In spite of my request to stop sending me their magazine they kept sending it and every month or so would send me another bill. Finally they stopped sending me magazines and bills but now they have turned it over to a collection agency, North Shore Agency which has sent me a bill threatening that I either pay immediately or face further action. 
I am not going to pay for something I didn't order and I do not want my credit damaged because of this. This is fraudulent, criminal activity and they should be stopped. 
Thank You.
I WANTED TO CLOSE AN ACCOUNT WITH WELLSFARGO. THE BANKER SUGGESTED TO LEAVE IT OPEN. THEY HAVE CHARGED ME WITH BANK FEES AND WANT ME TO PAY FOR IT.
REVISED STATEMENT : COMPLAINT XXXX. On XX/XX/XXXX contacted BBVA in regards to receiving my provisional credit for Account ending in XXXX. Customer service representative refused to give me the fax number to fax my complaint and when I requested to make a request over the phone to provide proof of my complaint she stated there was no record of my complaint even though I provided her with my claim number from Consumer Finance. I am revising and updating my complaint due to BBVA Compass bank stating they have no record of my complaint. My initial complaint was completed on XX/XX/XXXX allowing the following disputes to be addressed and researched. I am disputing the following charges : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Total unauthorized charges/transactions in error : {$1500.00} After investigating these charges ; I am also disputing the NSF ( non sufficient funds ) fees associated with these charges. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX Non-Sufficient Funds Total : {$380.00} TOTAL DISPUTED CHARGES : {$1900.00} ATTACHED ARE RECEIPTS FOR TRANSACTION IN THE AMOUNT OF XXXX VERIFYING AMOUNT PAID NO MERCHANDISE. 

XXXX RECEIPT FOR ONE TRANSACTION IN THE AMOUNT OF {$750.00} CARID EMAIL STATING REFUND WAS TO BE PROCESSED IN THE AMOUNT OF {$190.00} LETTER RECEIVED ON XX/XX/XXXX DENYING TRANSACTION IN THE AMOUNT OF {$4500.00} FROM XXXX. I HAVE NO RECOLLECTION NOR ANY DOCUMENTATION OF THIS PARTICULAR DISPUTE OR FUNDS BEING REMOVED ON THAT DATE. 

EMAIL RECEIVED ON XX/XX/XXXX VERIFYING THE 10 DAY TIME FRAME HAS EXPIRED AND BANK REQUESTING ADDITIONAL TIME.
OnXX/XX/XXXX I went to the TransUnion website to freeze my credit. I followed a series of links that based on their names and descriptions led me to believe I was paying a 1 time fee to freeze my credit. OnXX/XX/XXXX, I received an e-mail from TransUnion thanking me for signing up for a {$19.00} / month credit monitoring service that will be automatically charged to my credit card.
This seems to be hugely sleazy and deceptive. The links I followed were clearly designed to appear to be accomplishing a one time freeze of my credit information, it did not clearly state anywhere that you were signing up for a monthly billable service. Shamefull in light of the current demand by people to freeze their info in light of the XXXX  hacking.
I did go on line, and after much searching, found where I could cancel the monthly service .... but I still am stuck paying for the first month.
Somebody needs to hold these crooks accountable!
Portfolio Recovery A : Reporting that I opened an account with them on XX/XX/XXXX but the last active was XX/XX/XXXX. I neither opened account or have an account open with them this account was closed placed in bankruptcy and discharged in XX/XX/XXXX. The reporting is wrong because its backwards. It was XXXX XXXX XXXX during that time and if it's not that account then it will be fraud I never opened an account in XX/XX/XXXX nor XX/XX/XXXX with anyone for the amount of {$870.00}. If its fraud it will have my signature and I would like to see what they say I recently opened. There is supporting documentation.
I SUBMITTED A COMPLAINT REGARDING MY LOAN THAT IS SERVICED BY BAYVIEW LOAN SERVICING FOR XXXX  XXXX XXXX, REGARDING THE PREDATORY LOAN I HAVE WHICH HAS DIRECT VIOLATIONS TO THE TRUTH IN LENDING FEDERAL LAWS THAT IS STILL UNDER INVESTIGATION, WHICH BAYVIEW IS FULLING AWARE OF BUT THEY ARE STILL TRYING TO MOVE FORWARD WITH THE FORECLOSURE OF MY HOME ON XX/XX/19
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, 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 manner as soon as possible. Thank you
I put a box of credit card statements in the recycling and XXXX XXXX and XXXX claimed to own the accounts. For years my phone rang about ten times a day. XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX had a total of XXXX Small Claims Court cases. This law firm is going down my credit report Small Claims Court lawsuit after lawsuit. They spelled my name wrong and my only income is Social Security XXXX and {$100.00} state pension. XXXX XXXX is the plaintiff although XXXX XXXX was abusive. Both are under XXXX XXXX. I hear that XXXX XXXX buys data that includes your social security number. XXXX and XXXX put a lien on my condo for a XXXX gas card. I have countersued for {$5000.00} for abusive collection practices on a XXXX Credit card which includes calling my brothers and their families and the jobs I worked while XXXX. They have ruined relationships with my family and I lost my jobs.
DITECH Financial, LLC states have an open mortgage account with them and I am delinquent $ XXXX+. I do n't have a mortgage account with them at all. I did and was never delinquent when my house was sold XX/XX/2014. I have not been able to even purchase a home and do not own any property now. As a result it has adversely affected my credit and kept me from obtaining future credit despite the information being incorrect. I am trying to dispute this as I was just made aware of it when I tried to obtain credit, to no avail.
After being advised by XXXX that an unauthorized transaction in the amount of {$39.00} effective XX/XX/2018, needed to be resolved by my financial institution ( PenFed ), I filed two disputes to have the charge investigated and my account credited. Confirmations on XX/XX/2018 and XX/XX/2018 from PenFed advised an analyst would contact me within 21 business days. This never occurred. Three follow-ups via phone ( the latest on XX/XX/2018 ) and two follow-ups via email ( the latest on XX/XX/2018 ) yielded zero results. No agent of PenFed has contacted me regarding this charge. In the meantime, when charges are in dispute consumers are not responsible for the charge, yet the institution auto-debited the amount upon my statement due date.
I had a dispute with the IRS for tax year   XXXX   which was successfully ruled in my favor. During the dispute process CA state issued a tax lien against me. They later reversed this lein as it was issued on false information gathered from the IRS. The lien was released less than  two  months later but had already been placed on my credit. This should be removed from my credit report by all  XXXX  credit agencies not just shown as released. Again I never owed this money therefore the lien should never have been filed and the credit agencies are reporting it as if I did and paid it.
On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX   (XXXX & XXXX) in regard to financing a used vehicle through that dealership.  After discussing financing options, I informed XXXX by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX.  My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I.  This time it was from XXXX XXXX on behalf of XXXX XXXX XXXX.  So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/XXXX.
Ocwen Loan Servicing, LLC Loan number # * XXXX Attempted XX/XX/XXXX to intimated into Modification and is attempting to force us into Modification again, we have wrote this company we are not interested in any Modification then they State will send papers to Bankruptcy DEPT to obtain authorization? We will not sign any paperwork for any type of mortgage with this company. 

XXXX XXXX vs. Ocwen Loan Loan Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/XXXX Billed Statement XX/XX/XXXX Image XX/XX/XXXX and XX/XX/XXXX Payment XX/XX/XXXX 2 Payments. {$560.00} x 2 = {$1100.00} Image XX/XX/XXXX and XX/XX/XXXX Payment XX/XX/XXXX Payment XX/XX/XXXX Operator : XXXX. XXXX XXXX EST Paid on : XX/XX/XXXX - Paid by : XXXX XXXX M.T.C.N # XXXX Payment Amount : {$560.00} x 2= {$1100.00} Written on XXXX XXXX Carbon Copy : Attention : XX/XX/XXXX and XX/XX/XXXX [ XXXX XXXX Default Notice Letter : VIA # XXXX Reference Code : 1201 Federal Law States Customer must be full 30 full days in default before a letter is to be mailed out. ] Postmarked : XX/XX/XXXX. 
Image Postmarked : XX/XX/XXXX Delivered signed XX/XX/XXXX. 

XX/XX/XXXX Payment XX/XX/XXXX Payment XXXX Payment Amount : {$760.00}, Confirmation Number # XXXX Additional Funds included with Payment for : XX/XX/XXXX Late Charge XX/XX/XXXX - {$28.00} XX/XX/XXXX Late Charge XX/XX/XXXX - {$28.00} XX/XX/XXXX Late Charge XX/XX/XXXX - {$28.00} XX/XX/XXXX Late Charge XX/XX/XXXX - {$28.00} [ XX/XX/XXXX and XX/XX/XXXX Payment XX/XX/XXXX ] Late Charges Paid twice ( 2 times ) {$28.00} x 2= {$56.00} XX/XX/XXXX and Concern : 1 Previous Servicer Fee : {$88.00} was Paid to : Ocwen Loan Servicing wS not applied as Previous Servicer Fee, Ocwen Loan continued to charge for this fee paid on : XX/XX/XXXX. 
[ In Error : Ocwen Loan applied as Principal Payment. Review below Frame # 1 Image Recent Account Activity : XX/XX/XXXX Payment XXXX under the Principal Column, this was not a Principal Payment. 
It was paid as : Previous Servicer Fee Only! 
Concern : 2 Paid : XX/XX/XXXX charged as Fee. 
XX/XX/XXXX Billing Statement Continued to Charge as Fee. 
XX/XX/XXXX Billing Statement Continued to Charge as Fee : {$88.00}. 
XX/XX/XXXX Billing Statement Continued to charge as Fee : {$88.00} XX/XX/XXXX Billing Statement Continued to charge as Fee : {$88.00}. 
XX/XX/XXXX Billing Statement Continued to Charge as Fee : {$88.00}. 
XX/XX/XXXX Billing Statement Continued to Charge as Fee : {$88.00}. 
XX/XX/XXXX Billing Statement Continued to Charge as Fee : {$67.00} Concern:3 Where did this {$67.00} Previous Servicer Fee come for from? On XX/XX/XXXX the only Previous Servicer Fee that was owed Was {$88.00} and was paid on XX/XX/XXXX. 
Ocwen Loan continued to charge for fee paid for additional 7 months. 

Ocwen Loan has failed to submit successfully payments and over payments we have paid in past years, we requested Principal balance which they have not sent? XXXX XXXX they were paid over {$15000.00} in payments until each payment is credited correctly there will be no modification papers signed.
My bank found a report on an Equifax credit report where I had an outstanding debt which affected my credit score. It showed that I had not paid a {$420.00}, and had been put on my credit report XXXX/XXXX/2015. It showed XXXX XXXX as the original creditor, collection agency XXXX XXXX XXXX. I contacted comcast who said they had not submitted the claim, and that I was and had always been current with them. I then filed a dispute with XXXX online, then had a conversation with them. They denied any knowledge of this transaction. Tried to contact XXXX XXXX XXXX, could not find any record that they even existed.. I contacted the local XXXX Consumer Service to try to find a way to get in contact with XXXX XXXX XXXX. They could not find any record that XXXX XXXX XXXX existed. They suggested that I file this complaint to try to get to the root of this problem, and get this bogus bad credit report off my credit report.. I do n't know what else to give you. I know that you will need more of my personal information, but not sure if I should include it now. My phone number is XXXX, and my e-mail address is XXXXXXXXXXXX. My full name is XXXX XXXX XXXX, and my mailing address is XXXX XXXX XXXX, XXXX, Fl.XXXX. Please help me get this off my credit report. Thank You.
XXXX I went to XXXX university in XXXX XXXX at the time I was XXXX years old. I wanted to do something with my life so I followed a friend to this school and the first day of class was that evening. But I had to pass a entrance exam and fill out financial aid papers. My advisor at the school was very nice all I thought I was doing was filling out financial aid papers. I didnt find out until after I graduated that the school had taken out a XXXX Dollar student loan. I wasnt aware and Im willing to take a lie dector test whatever it takes to prove my case. I cant afford to repay this loan and havent even been able to work in the Field that I went to school for. I need help if you see they just rushed everything so that I could start school the same day I filled out those papers. XXXX knows I never knew this was a loan and I never would have sign up for a XXXX Dollar loan please help!!!
Equifax data leak. They said I may be affected by it so I am filing a complaint to make sure I was or was n't.
I received a call from a XXXX XXXX XXXX today stating that he was going to sure me unless I paid an account for an HSBC account. I informed him tat this account as included in a bankruptcy and requested that he quit calling me. He stated that he would not only call me but initiate legal action as well. Im recovering from XXXX and really cant handle these calls. He was very rude and refused to write down the case number or my attorneys contact information. He called my husband yesterday as well and threatened him too for my debt!
VA assumable mortgage. Deceased veteran ; surviving elderly spouse with only XXXX income ; out of money and ca n't make payments. Mortgage was current at time of contract. Property under contract with good buyer who requested assumption packet from mortgage company, XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2015. Received assumption packet XXXX XXXX, 2015 and returned completed packet next day. After taking about 4 weeks to review the completed assumption packet and stating that it looked complete and good, XXXX sold the mortgage on XXXX XXXX, 2015 to Carrington Mortgage. XXXX transferred assumption packet to Carrington Mortgage on XXXX XXXX, 2015, but Carrington Mortgage refused to look at the packet or initiate a new assumption packet stating, " We do n't do assumptions. '' It 's a VA assumable mortgage. Veteran 's widow called XXXX VA office to complain. Carrington finally issues an assumption packet 2-1/2 months later. Widow would have been able to pay back payments and selling fees from the sale proceeds if XXXX had processed the assumption as they stated they would do or if Carrington Mortgage had not blatantly declined to cooperate in the loan assumption process. XXXX and Carrington Mortgage delays have caused great financial loss for this widow - unnecessary financial loss. I am a XXXX filing this complaint on behalf of the veteran 's widow who seeks to have XXXX and/or Carrington Mortgage pay the XXXX or XXXX ( it 's not done yet XXXX payments that were caused by their delay. Someone from a property management company has posted an inspection page on the kitchen counter so it looks as though instead of processing the requested VA assumption, the mortgage company chose to take action to initiate foreclosure. Please note, that at the time this property went under contract, the payments were current. This veteran 's widow has been wronged. Written by a XXXX with XXXX years of active business. I know it takes some time to process an assumption, but if XXXX had plans to sell the mortgage, they should not have told us that they were only 2 days from approving the VA assumption. Carrington Mortgage certainly should not have declined to issue an assumption packet or to review the completed assumption packet sent to them by XXXX.
Bank of America has denied my appeal and they said it would take 30 days. They are saying my income is {$2200.00} a month. My income is only {$940.00} and my sons social security  XXXX  is {$660.00}. I faxed them this information and my total income is {$1600.00}. But I have appealed it higher people in bank of america. I am not employed and I do not receive any extra income that would equal to {$2200.00}. Bank of america is causing me undue   XXXX   XXXX  . But I am working with them and have made payment arrangements to pay the {$3000.00} by the end of this month  XXXX . And when the payments are caught up I will set up a automatic payment withdraw from my checking account. Also by Alabama law a home owner is suppose to be 17 payments behind. Bank of America has gotten {$20000.00} which they never applied to the balance of my loan and its not fair what they are putting me through, i do have my bank statements proving which payments have cleared my checking account.
Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, although debt was discharged via bankruptcy in XXXX 2013. Have contacted Consumer Reporting Agencies following instructions on their websites, twice via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. The company also sold the account to a collection agency AFTER the bankruptcy. This company and/or its representatives continued contacting me via personal and work phone long after being informed of bankruptcy. 

Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due as of the discharge date.
I have not been getting my statement and when I asked for one to be re mail to me. I saw charges at a kohl 's in TX and XXXX XXXX XXXX. I call and wrote in because they would not remove the charges. When I was going to pay the statement I asked for those charges to be to be deducted off the amount owed and the amount needed to be paid on that statement. The man who I spoke with refuse to do that and tried to make promised so the amount can be paid along with late fees. The amount was fraud and THEY PUT IT ON MY CREDIT REPORT CAUSING HARD SHIP.