WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Chase Freedom credit card that the account was paid off and I had not used in a very long time. I received a balance transfer offer from Chase that I thought sounded very good and I wanted to take advantage of the pay off XXXX large credit card balance that I had somewhere else. I called Chase to explain what I wanted to do. The representative requested my card information. I explained the him that I no longer had the card because I had not used the account in a long time and had not really intended to use and probably cut the card up and thrown away. The agent told me that I could not do the balance transfer until I had a card to verify and that he would be sending me a new card. I said ok and also said to him that I may use the checks I have for some other additional transfers. So, 5 or 6 days later I got the new card and called up and did the transfer online. While on the phone I told the new agent that I was speaking to that I had decided to pay off some other smaller balances and would deposit one of my existing checks into my checking account. I was told that would be no problem. So after I deposited a balance transfer check for {$1000.00} into my checking account and made a number of payments out to other companies I tried to make a purchase with my checking account debit card and it was declined. This is when I found out that the balance transfer check that I deposited into my checking account had been declined. It turns out that the first agent from Chase had closed my credit card account as being a lost /stolen account. At no point did I ever indicate that there was ever any concern the whereabouts of my card. I was never told by the agent the account would be closed and that another account number would be issued. I was not told the balance checks would not be any good even though during the call I mentioned that I may want to use one. When I called the second time again I was never told there would be any concerns with the checks that I had. I have called Chase back twice to discuss what has happened. Both times I requested to speak to a manager or presidential unit. Both times I was told that they understand they made a mistake but have made absolutely no offer to do anything to fix it. I explained to them that I was now about {$600.00} over drawn on my checking account and that I would not be able to pay my rent this month. They could not send out more balance transfer checks on the new account because that was done by their marketing department. They basically told me I was out of luck. I have had more that {$150.00} in fees charged to me from my checking account because of their mistake. I had to go to a pawn shop and sell rings that my mother had given me in order to scrape together the money I would need to pay my rent on time. The only offer they made was that I could do a cash advance with them at 19.99 percent interest. I told them if I was going to do a cash advance I would give my money to another company. I think this is very sad for a company to refuse to do one thing to make up for a major mistake that they made. I have suffered greatly and they could care less.
This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company   XXXX   XXXX    will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in   XXXX   so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off
I have two different capital one accounts. Both are reporting incorrect information on credit bureaus XXXX XXXX and XXXX. Plus it is showing both accounts as closed when I repeatedly contacted capital one and made payments repeatedly in effort for it not to be closed. I am surprised to see the misinformation on both my accounts with capital one.
My loan servicer, FedLoan Servicing, did n't 'accept ' my loan repayment recertification. And automatically readjusted my monthly payment from appx $ XXXX/month to $ XXXX/month. They used my existing auto debit agreement to withdraw {$3600.00}. which cleaned out my bank account. At no point did they make any effort to alert me to this significant change. Instead, when I called in, panicked b/c I had no money in my bank account, they acted like I was at fault. After *hours* on the phone and a huge number of unhelpful, often rude, customer service agents, someone finally looked into my account and agreed it was " odd '' that I had submitted my recertification but it did n't seem to go through. 

Though none of this was my fault, and it is entirely their error, I am reported as 'past due ' to my creditors, I 've spent dozens of hours on the phone and email trying to straighten it out, and all they will do is reset my loans going forward under a new repayment agreement. I know this is costing me more money, but no one will explain what 's going on or reimburse me or their error or the damage it did to my credit or the huge amount of time I had to spend dealing with their error.
2 withdrawls both for {$300.00} apiece at atms both on XX/XX/XXXX .they do not list locations on the report..but because they say my chip card was used and that they can not be duplicated and that it happened within 100 miles of my residence that they denied my claim..they refused to look at the atm camera photos. They refused to send me to a supervisor when i asked them to give me a supervisor.i called them today XX/XX/XXXX around  XXXX..they put me on hold and never came back when they said please hold ill see about your options..there is no way i took out this money..first of all i thought my limit was {$300.00} a day..i gaurantee if they looked at the atm camera shots that they would see it was not me nor anyone i know..i dont know who the think they are stealing my hard earned money..but i need this money for rent and i will be very upset if i loose my place to live because of there inability to perform investigations of claims ..please help me
I HAVE A DEBT ON MY CREDIT REPORT FROM CREDIT MANGEMENT FOR XXXX STATING FROM XX/XX/2010 ON BEHALF OF XXXX. I CALLED CREDIT MANAGEMENT, THEY STATED THAT I DID N'T HAVE ANYTHING IN THEIR SYSTEM FOR THAT CREDITOR OR THAT AMOUNT FOR ME, YET THEY WILL NOT REMOVE IT. FROM MY XXXX CREDIT REPORT
First My debt card was hacked by scammers they replaced the card then I had to pay over {$100.00} in fees. My checking account disappear in I did n't get no notice in the mail about my checking account. Now I just have savings account
I entered a loan agreement with Big Picture loans for XXXX. 
I was lead to believe I would be paying four installments of XXXX dollars and some change. After I agreed to the terms, the loan turned out to be for nineteen bi-weekly installments of XXXX and the final payment of XXXX. Apparently all of this at the interest rate of 697.0875 % APR. None of this was relayed prior to the loan. I can not get a hold of anyone one their side and when I do they hang up on me when I attempt to explain why I need a payment arrangement change date. They insist on processing the payment on the date I get my direct deposit, but they are drafting before it hits and I am incurring over draw fees because of it and no one will cooperate to even resolve this issue. It is a complete nightmare. I regret having acquired a loan through this company. Any assistance will be greatly appreciated. 
Thank you, Loan Company Information : Red Rock Tribal Lending, LLC dba Big Picture Loans XXXX, MI XXXX
XXXX   XXXX   placed a charge off account on my credit bureau files. They did not advise me of my rights to dispute such debt.   XXXX   XXXX   is advising that the last payment they received was for  XX/XX/XXXX . They did not charge off the debt until  XX/XX/XXXX . Per the FDCA this account should have been charged off 180 days from the first delinquency. They did not charge the debt off until 360 days after the time frame that they are claiming the last payment was made.
BETWEEN XX/XX/XXXX I HAVE REACHED OUT TO TRANSUNION, XXXX   AND XXXX TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH EXPERIAN DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS.
I received a notification on XX/XX/2017 that a collection account was added to my credit report. I never received a dunning letter it was just added to my report. I was not given an option to dispute this account. I have never heard of this company nor have I done business with them
After sending information to verify myself with my disputes, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX COLLECTIONS XXXX XX/XX/XXXX not mine
on XX/XX/XXXX, I went to the XXXX XXXX XXXX in XXXX, for a ELECTRONIC FUNDS TRANSFER. There was NEVER, A Check, I was already in there, XXXX XXXX, so I did not need one.. MY Bank had SUFFICIENT FUNDS @ the time of this ELECTRONIC TRANSFER.ONE WEEK later ( TRS ) XXXX XXXX/tel-chek. sent me a notice saying, I did not have funds in this account. I have back records to PROVE THERE WAS.!! This should have been cleared in XX/XX/XXXX. I go to cash a check from a different bank XX/XX/XXXX and they said no. I SAID WHAT.. ( TRS ) Tel-check only have P.O. box # s The are owned by first Data who have OFF SHORE ACCOUNTS with ALL of AMERICANS MONEY. WHY would they need to do that??? CROOKS. If they want XXXX, XXXX to get the real people on them,, they need to CLOSE, this account and CLEAR MY NAME.IT 's not XXXX XXXX 'S JOB to do what a XXXX XXXX XXXX   EMPLOYEE SHOULD have done. It's time to bring in my friends from XXXX XXXX XXXX XXXX. I will be more than happy to give ALL MY PROOF. NEVER take a check to XXXX XXXX XXXX in XXXX.. Give your money to people that DON'T Take MILLIONS a day from hard working people.
I am at the tail end of a short sale with the property. There is a very good cash buyer that has put in a serious offer considering the repair the property needs and we are almost done with the short sale. The  XXXX  lien position has agreed to the value and has submitted their approval letter on the file, however the  XXXX  lien position is stalling and even though we have asked them several times to postponse the foreclosure sale date to allow adequate time to negotiate short sale and allow time for the bank to respond, they have not wanted to postpone the foreclosure sale date. The seller 's family who lives in the home ca n't possibly relocate so quickly. There is a veteran in the home, the seller 's husband who is on   XXXX   XXXX    XXXX . The bank, Chase, has once offered them a {$30000.00} relocation incentive, and now will only offer {$3000.00} but not even sure if they would postpone foreclosure as they are doing everything they can to divert the sale and not provide responses. They have avoided the issue of postponing the foreclosure sale date several times. The sellers are scared, they do n't know where they are going to go, especially with the husband and his  XXXX .
We refinanced and signed all mortgage documents on XXXX/XXXX/2016 paying off our our XXXX mortgage with Caliber Home Loans and our second mortgage with XXXX Loans. We had received a verified 30 day payoff statement ( {$380000.00} XXXX from Caliber Home Loans, good through XXXX/XXXX/2016. After the settlement date, the Title Company wired the verified payoff to Caliber on XXXX/XXXX/2016 in the amount that was signed in our paperwork. This was confirmed as paid on XXXX/XXXX/2016. Caliber then rejected the wire in which the title company attempted to wire again and it was refused another time with no explanation, meanwhile accruing interest all these days. When I called Caliber Home Loans on XXXX/XXXX/2016, they stated that the amount was short since they refigured the numbers and in turn changed the verified and signed payoff. After digging into this in more detail, I found that Caliber had faxed an updated payoff statement with a larger amount to the title company on XXXX/XXXX/2016 without notifying anyone and after we had already signed documents. To rectify the situation, we immediately brought additional funds down to the title company, even though this did n't seem right, just so that we could get it paid off to avoid even more days of interest charges, all the while paying interest to our new mortgage company ( that we had refinanced with ). The title company then requested a new payoff good through XXXX/XXXX/2016 and wired out the amount of {$390000.00} on XXXX/XXXX/2016 including more days of interest and fees. The wire was confirmed paid on XXXX/XXXX/2016, but then returned again on XXXX/XXXX/2016 with yet again, no reason. We then called and requested for a final time a new payoff statement in which Caliber yet revised again good through XXXX/XXXX/2016 in the amount of {$390000.00}, including more interest and fees. We are still waiting to see if they will accept this payment. This is absurd! We then wired out the amount of {$390000.00} on XXXX/XXXX/2016. Caliber has not been easy to deal with and I have never heard of them increasing a payoff statement without trying to notify us or the lender or title company. This makes zero since and we should not be responsible for paying on their lack of communication, organization and frankly a complete mistake on their part from calculating the original payoff.
Dear CFPB, I previously contacts you concerning my loan modification with Nationstar Loan # XXXX. I have provided all the information they have asked for in a timely manner without fail. Even though I have been previously pre approved by HUD representatives and loan officers, Nationstar continue to deny my modification for the same reasons regardless of the increase of my income. 
XXXX/XXXX/2016 I spoke to XXXX XXXX who told me that I was denied on the XXXX due to negative disposable income. ( I had call for an update on the XXXX of XXXX XXXX spoke to XXXX and he said that my modification was still with the underwriter for review and that I should call back the following week ). I am actually was very disappointed that the XXXX XXXX did not inform me with the accurate information about my loan modification status on the XXXX/XXXX/2016. 
XXXX XXXX explained to me that the guidelines they use only uses 75 % of my rental and 80 % of my income to disqualify me. ( My rental income pays the mortgages, tax and insurance expenses with {$1000.00} available after all expenses paid, but their guide lines only uses 75 % and then deduct the mortgage and tax and insurance expenses, which leaves a negative income. They also use only 80 % of my gross income instead of my full income. Later the same day, I call again and spoke to miss XXXX to confirm their calculations, she did but at the end said that I have no option with getting a modification and the only option would be a deed in lieu. I realized that she was trying to intimidate me and scared me as previously done by nationstar employees. Then she tried to justify her statements. I hope it was recorded. XXXX/XXXX/2016 XXXX XXXX called and also told me that my option is to do a deed in lieu. 
Previously, two plus years ago, XXXX and XXXX had given us a modification for our XXXX rentals which are bigger properties with a much larger loan balance. We were only making 25 % OF WHAT WE ARE MAKING NOW but taking all into consideration they have given us a loan modification and we have never been default or late with our payment since. Now this is our principle property and we are making 200 % more than previously stated but Nationstar is using a ridiculous guideline to calculate and disqualify my loan modification. I strongly feel that their company should be investigated thoroughly. I am wondering if it is because of my Name, interracial marriage or just racism. Again, XXXX/XXXX/2016 XXXX XXXX called and harassed me about signing the property over and that I am not qualified for a loan modification. Every day since they have told me that I was denied, when I call or they called, they say that my only option is to sign the property over to them to avoid foreclosure. XXXX XXXX and XXXX were very rude and abusive, tried very hard to break me down. 
Please help me resolve this matter for there are many other homeowners facing the same problems. 
Thank you Sincerely, XXXX
This issue is with Toyota financial services ( TFS ), their poor customer service, and their excessively harsh response to a single late payment.     I have had  two  loans with them that span a length of 7 years. In that period of time, I have paid off one loan and make timely payments on the second one. I never had a late payment. My payments have always been setup for automated monthly payments.     At the end of last year there was a change with my banking information which I updated online. I assumed it was setup properly as I never received a notice otherwise. Somehow the autopay did not process properly and my account became past due. But I was not given any notice of late payment. I did not know that I had a past due balance until I received a negative hit on my credit report and saw a substantial drop in m y credit score.      I immediately called  TFS  to pay for my past due and current due amounts. After waiting on hold for at lea st 20-30 m inutes, I spoke with customer service and requested to have the negative credit market removed. The agent was very rude and unhelpful. I was told that it could not be done over the phone. However, I could write a letter directly to TFS explaining the situation and the negative marker would be removed. I mailed out a letter shortly thereafter stating my concerns. I later received a return letter denying my request.     I called TFS customer service, was forced to wait on hold for a long time, and was again told to write another letter to request the negative removal. I did this and was again denied via mail.     It is extremely upsetting that a long term customer who never had a late payment was denied a courtesy adjustment. It is frustrating that there was no notice given regarding an error in my autopay account or that my account was past due. It is shocking how poor the customer service is whether phone or mail.     I have always had good credit. Having a negative credit marker has had a substantial impact on my credit and has seriously affected my ability to qualify for credit. It will be a long time before the negative credit market will no longer affect my credit. TFS response to my one and only late payment is excessive and completely unnecessary.
I purchased a loan with west lake fiancial in XXXX 2016, because I wanted to build my credit to which was nonexistent. Everything is going well until I was informed that I was not getting credit for payment XXXX XXXX2016 XXXX. I was told to provide proof of license and social security card ( which I did that month ). Several months later and many calls to my the credit bureaus to resolve my trouble which was minor and I was told to wait till the next month to get an update.by West Lake Financial. If my credit was bad from the start why was I not told to provide info before..? They ca n't file because of some discrepancy issues. Credit agency told me nothing should hold them back file my payments in the system. I need financing help
My dad filed fraud report with Barclay Bank Master Credit Card. He added me as authorized user long time ago so at least I can manage his account but I never received the card ever since. I called the bank as my dad is XXXX and doesn't speak English well but the bank was giving me hard time and only wants to talk to my dad. Therefore he provided Power of Attorney. I went to police station with Power of Attorney to file police report for my dad but got rejected since I have no statement to show what accounts were fraud charges. The bank blocked online access so we can't go online any more and we don't receive paper statement. 
Make long story short, Barclay Bank did not investigate properly as I seen most of charges were occurred in out of Country. As matter of fact my dad can not drive or fly as he is XXXX  and their investigated time was not long enough to verify those unauthorized charges. If they were willing to investigate I am sure they would take this matter seriously and investigate detail by contacting merchants to collect cctv footage. The bank didn't do anything but leave those fraud charges on my dad 's account as he's too old to take this matter further.
I asked to be assisted with stopping garnishment of my check what they did was basically had me pay a sum and then told me to start paying XXXX a month I 've been doing that but now I find that the insurance policy that was on my loan has been cashed in so my school had been paid what 's owed Great Lakes is now placing my account on my credit as a collection account and I 've been paying them every month since XXXX. When I call no one has a answer. I 've asked for the copies of my loans with them so I can read over them and they have failed to provide them. They are not supposed to create more of a hardship on me and make it harder for me to pay my debt.
I have requested numerous times to remove the Bankruptcy record from both my and my wife 's report. It has been more than 7 years, and by their own words, the record may remain on file for 7 or up to 10 years.
XXXXXXXX XXXX  XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} I Dispute these accounts that dont belong to me and belong to someone else with the same name to the credit bureaus and the accounts still remain on file in was not deleted.
For the past three months, I have suffered from nearly constant fraudulent transactions. 

On the XX/XX/XXXX, there was a {$4.00} charge to my account that I did not intend. No charges were consciously authorized. I was attempting to get a loan, and this charge overdrew my account, which was set to not allow my checking account to overdraw. This charge, then, should have been rejected. 

I live on a fixed income, where my bank has previously stolen in excess of {$300.00} from my checking account, via a number of transactions that THEY initially identified as fraudulent. They are going to cause me to become homeless again, and these charges are ridiculous. 

Needless to say that I am extremely XXXX XXXX over all of this. I only make {$750.00} per month and I simply can't afford to be nickeled and dimed to death like this. 

I complained, and was told there was nothing they could do until the charge posted. 

In spite of the fact that there is a policy in place against levying overdraft charges when they are under {$10.00}, my account was charged {$35.00} in overdraft charges, when I didn't authorize ANY of this!!!