WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I had a balance on my Chase XXXX credit card carried over from a prior month. During the month of XX/XX/XXXX I made {$1600.00} in cash advances. I then made a payment before the end of the billing cycle for {$6000.00}. Chase did not apply any of the {$6000.00} toward the cash advance. They applied it to the balance that was on the account at the start of the billing cycle. They claim that the cash advance would have to carry over to next months statement before the additional payment would be applied. So if I had waited XXXX more days to make the payment, they would have applied the payment to the higher apr balance. This is not the way I thought the law was written to protect consumers. I read it that it is applied to the highest apr balance first ( nothing mentioned about billing cycled ended ).
I have ( had? ) a personal checking account with Citibank. I had a little over {$1300.00} in that account when on Monday XX/XX/XXXX I deposited a check from my mother for {$5000.00} Normally, Citibank takes a few days to clear the entire check and the bill I needed to pay I could pay next week, so I didn't think much and went on with my life On Friday XX/XX/XXXX, my debit card declined when I tried to buy a XXXX XXXX Railroad ticket to visit my mother. I didn't think this could be correct as I had over {$6000.00} in the account and the ticket was only {$9.00} I went upstairs to a citibank branch next to XXXX XXXX. My account and all my money were gone. I called the number on the back of my bank card, XXXX XXXX XXXX. The first four people who picked up HUNG UP ON ME After more than an hour on the phone, refusing to connect me with a supervisor, I finally got a person who informed me I had committed " bank fraud '' and had submitted a " fake check '' The check was from my mother, and from a XXXX account. XXXX confirmed with us that on XX/XX/XXXX the funds were withdrawn from my mother 's account and citibank was paid The check is NOT a fraud. Furthermore, when I asked about the {$1300.00} I had in the account before I even deposited the check in question, I was told that was also " gone '' Not only have they made a fake claim against me, they have illegally seized my funds. How can they get away with this?
I received a copy of my credit report and it shows that I have an account with XXXX XXXX, with a balance of over {$20000.00} and that I have n't paid in over 6 months. I immediately sent XXXX a certified letter " requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX and Equifax ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. '' XXXX received the letter and signed for it on XXXX XXXX, 2016. They did not respond with in the 30 days allowed. I sent them another letter ( which was received and signed for on XXXX XXXX ) informing them that they violated federal law and they did not send me any evidence bearing my signature. As of today, they have not sent me any evidence, with my signature, that the account legitimately belongs to me.
I have tried on multiple occasions to modify my 6.85 % homeloan with Wells Fargo and have been denied for multiple reasons over the years, but mostly because my debt to income ratio is too high. I have no consumer debt only a home.
I am on   XXXX   and have a  XXXX  child. Homelessness would drastically impact my medical care.
I have attempted to modify my loan through Keep your Home CA,   XXXX   XXXX   XXXX   , and  XXXX . I hav e been through their internal modification program no less than 6 times all to be denied help because my loan did n't qualify - not   XXXX   XXXX      XXXX   XXXX  , or FHA.
The last attempt throu gh   XXXX    g ave me a different reason for denial, my Net Present Value was too high.
I owe around  XXXX  on my home and have close to  XXXX  in equity. Wells has decided it would be cheaper to foreclose on my home than to help me retain the 21 years of equity I earned from my real estate investment.
As a  XXXX  woman, I find having to apply again and again to these modification programs only to be denied because of the home equity is infuriating and feels unfair.
Wells sold my mortgage years ago and has no invested interest in helping me. My loan is apparently owned by a holding company in the Far East.
Capital One is blocking from using external applications. The third party site I was using, which gave me this error, said this would be a good place to lodge my complaint. I feel I should be in control of who uses my data not them.
I opened a checking account at Wells Fargo with a promotion code that offered a {$100.00} credit if you made XXXX debit and/or payments in 60 days, or set up a direct deposit. I made XXXX debit card purchases and XXXX payments in 60 days. When I called Wells Fargo one month ago they assured me that I met the qualifications and that I should expect a credit in about 8 weeks. 8 weeks later and I have not received a credit. Today I went into a branch and was told that I did not meet the requirements for the promotion. I believe this to be unfair practice and completely misleading. I also do n't understand how XXXX different employees in customer can be so ill informed about the policies and procedure of a simply promotion.
Equifax did not have substantial security in place that resulted in a breach of their infrastructure by unauthorized users. Through the breach, unauthorized users were able to obtain my social security number along with other identifying information that rendered my identity at risk of theft.
I filed bankruptcy 5 years ago and it was discharged XX/XX/2016. Since this time have been trying to get the bankruptcy flag removed from my account. I cant contact them to get any information concerning my account. When I try to contact them th call goes to a third party company. I keep paying my mortgage and the balance never change. I have gotten several notices that I was entitle to a escrow refund but it never comes. I received a refund on my property tax because of my age XXXX. Havent heard anything from Ditech.. I tried emailing them and all I get is a form letter about they will have more infoe and nothing has happened for 9 months.
Navient claims that I have loans owed to them through University XXXX XXXX XXXX in 2007, which is false and I have all the documents that support that I never used FA for University XXXX XXXX XXXX it was through my work, and I attended that school way after that year. When I sent a letter to them explaining the incorrect information. They still sent another letter saying that this is for University XXXX XXXX XXXX. After numerous attempts to resolve this false claim, they sent notification that it was University XXXX XXXX. This lender has no idea what they are doing and are not even sure which school I went to. They have my balance at over {$32000.00} now, but I am not even sure this is true. When I called the first time, the representative had no idea what school and she was unable to answer me at all.
Dear Sir/ Madam, There has been a so called Collection by the name of ( XXXX XXXX supposedly for XXXX XXXX account that I never had ) ) on my credit reports which was posted on XX/XX/2018, I have no recollection of this company, I believe it's FRAUD included in stolen Identity SCAM that was posted on my reports, I contacted the credit Bureaus to remove the scam ASAP, I was told that it was verified, someone posted this scam on my name and I want that removed as soon as possible.
I set up a payment with the company ERC and the following week for personal reasons I cancelled my payment.Unfortunately when I cancelled my payment ERC never deleted and still snatched it out of my account.When I called to explain they acted as if I was lying about cancelling my payment.They told me they reversed my payment and in 72 hours my funds would be back in my account.I called up there everyday and they gave me the run around.I heard XXXX different responses from XXXX different people and when they tried to say my bank was holding the funds.My bank had already told me that there was n't anything pending from ERC on my account .When I kept calling ERC back they gave me the run around and kept placing me on hold for periods of time and hanging up on me.It 's going on a week and the funds have still not been placed back in my account all because they did an illegal transaction that I did not authorize.
I sent a letter to XXXX disputing THIS ACCOUNT AS BEING CHARGED OFF AND THAT I WAS 30  DAYS LATE IN XXXX 2011. They have yet to send me any proof that this account belongs to me or prove that I was ever late, therefore this account should be deleted. After 31 days they still have not placed the verbiage dispute on my credit report All the letters that I sent to XXXX XXXX XXXX, XXXX. at XXXX XXXX XXXX, XXXX. Attn : Research Dept,  XXXX XXXX XXXX XXXX XXXX, FL XXXX and it was returned to sender. If this is not their correct address they are reporting incorrect information on my credit report, therefore, this account should be deleted. XXXX sent a letter stating that they have verified this account to be accurate. However, all of the letters that I have sent to XXXX have been returned to sender, I would like to know if Equifax sent XXXX a letter was it to the address on my account and if so was it returned to sender and if so, this account should be deleted because Equifax is not reporting verified facts.
XXXX has not properly investigated the following issues on my credit report Confirmation # XXXX. Their claim to have investigated the issues is false. Please see enclosed letter ... 

Earlier in the year, I started a dispute with XXXX, Experian, and XXXX regarding items on my credit reports. XXXX claimed to have gotten the public records information being reported on their file for me from XXXX. I started an inquiry into the facts with XXXX approximately X/XX/2017. After concluding their investigation X/XX/2017 XXXX agreed with me and deleted the item ( see enclosed letter ). 

On X/XX/2017 XXXX claim to have investigated and VERIFIED this item by means of XXXX! 

XXXX, EXPERIAN, AND XXXX show a pattern of deceptive practices regarding consumer credit issues. They should be audited and their procedures combed over. I believe that their internal security as it pertains to a consumer file is loose. Meaning that dates and other important factual items can be changed by a clerk or data entry person for no reason other than their mood. Their record of FCRA violations has to be epic ...
I have tried everything in my power to keep my home but i have been denied for all options except Short sale. After finally my agent found a buyer and submitted an offer for XXXX the lender rejected it and wanted a higher amount. On XX/XX/2018 a Counter offer to Select Portfolio Servicing was submitted and have requested the Short sell to be reviewed. 
When I originally submitted my short sell request the offer was not accepted and a counter offer was requested, I have provided all documentation requested from me to comply with the counter offer. I and my realtor have been in constant contact with Select Portfolio Servicing to check on the status of the short sell. After submitting all documents to Select Portfolio Servicing I was informed that the Short sell was declined due to upcoming foreclosure date of XX/XX/18. 
I have filed a complaint with the consumer financial Protection Bureau, and have requested a qualify Written Request regarding Select Portfolio Servicing not allowing for a proper review of Short sell. You ( Select Portfolio Servicing ) will not review any workout solution and you are now forcibly trying to foreclose my home without following the proper procedures. 
If you proceed with this foreclosure you will be violating Homeowners Bill of Rights [ SB 900 ] in an illegal foreclosure. Under Dual tracking It is illegal for Select Portfolio Servicing to send foreclosure notice as negotiations for a modification or short sale are still underway, It is illegal for a lender to deny a short sale or modification without providing a written explanation and a 30 day period to appeal the denial. 
Under the denial Letter dated XX/XX/18 I am still intitled to a 30 day to appeal or review. I have submitted documentation XX/XX/18 for review. If you continue with the foreclosure I will be committed to proceed with a lawsuit and fight this illegal foreclosure.
As of XX/XX/2016 I paid in full my debt with XXXX cable. A collection agency by the name of Enhanced Recovery Company is reporting to my credit reports that I still owe XXXX as of XXXX/XXXX/16. I have contacted XXXX several times and they have sent request to the company to remove this false information but even when I disputed this false debt the company reported that I still owe XXXXtheccompany reported to the credit bureau that it 's still a current debt.
the bank recently close my account for no reason and they refuse to return my money. 
i called them several times but they not give me any response
I refinanced my home inXX/XX/XXXX with GMH Mortgage. I closed Wednesday, XX/XX/XXXX, with no problems and emailed my contact XXXX XXXX to let her know. She responded with helpful information about payment coupons and cash out checks.

On XX/XX/XXXX, I emailed XXXX to let her know that I received my property tax bill that was to be paid from my escrow account, and I emailed a scan of the bill. XXXX  acknowledged receipt of the property tax bill and said she forwarded it on to the servicing manager and the title company. I assumed it would be taken care of and didn't think of it again, until I received a delinquent tax notice in XX/XX/XXXX. I had to scramble with XXXX XXXX, the company my mortgage was sold to, to get the overdue tax bill paid.
Experian is reporting XXXX hard inquiries on my credit profile which I never authorized : I have called and requested for fraud alerts and requested them to remove the inquiries so many times and every time they would say they are not authorized to remove any inquiries. Those inquiries are hurting my credit score badly. Most importantly I never authorized them. I requested Experian to request for signed documents as the evidence of my authorization from those companies but did not have any luck. I badly need help in removing those unauthorized inquiries from my Experian report.
XXXX/XXXX/16 CFPB CC EQUIFAX Dear CFPB I want to thank you for allowing me to argue my case on behalf of Equifax I have submitting documents after documents on supporting my point about Equifax in violation pof the FCRA 609 ACT that congress put into law to protect consumer 's I have sent in document 's, Certified letter recipt costing well Over {$100.00} or more and they have still not yet demand my request. They are well Over there 30 days of investigation time that the federal government allow them to investigate such a complaint. As you know we have recieved on your site from they did n't know what i was disputing from they have verify the account with the orginial creditor.. I had forward supporting documents on the XXXX that they are reporting the wrong account number That is none of mine. so there Investigation is a straight up Lie.. I asked Once again to have have the closed XXXX account removed from my credit file and also the barclaycard card beremoved ( not my account ) and the closed onemain account be removed as well. Since XXXX XXXX i have been asking for documents from Equifax since XXXX XXXX 2016 and nothing yet So cfpb I ask you to take this case Over and take all the Legal power that you have to fine this company to your fullest. The reporting agencies number 1 is not for the consumer 's as we all Know but their is a federal law in place that they have to follow that law and do it promptly I can not break the laws and bilaw and you can not either so why should equifax think that they do not have to follow the federal so I thank you so much for allow me to use your site to argue and fight for my rights ... ( So i asked you to take charge and do what you have to do to the fullest!! 
Thank you XXXX
I was charged XXXX bank fees when I should have only been charged XXXX. I understand that I am accountable for XXXX, but the bank has issued me XXXX. On XXXX XXXX I had an ACH debit from my account from the XXXX and a debit from XXXX. After this, I still had XXXX cents left in my account. I still had a couple of days until the Veteran 's check came in so I bought food knowing that I would incur XXXX fees. Instead, the next day, I was charged for XXXX fees. I have talked to the bank clerk, the bank manager who talked to corporate and they all tell me that I just have to trust them that what they have on their screens is accurate and the information that they provide on my screen is not accurate. And I was told that the XXXX purchase was what overdrew my account, but when I look at my bank statement, it still leaves XXXX cents even after the XXXX debit. But I was charged XXXX fees. Then I made the XXXX purchase that should have overdrawn my account but PNC already overdrew my account with their XXXX unknown fees. I then asked for them to print out what they tell me they seen on their screen, but the clerk, bank manager and on-line banking clerk told me that they can not print it out for me with no further explanation. I am just supposed to trust that I owe the XXXX additional fees even though my statement shows that I do not.
The bank own the house. The owner never told me nothing. I FOUND OUT WHEN WATER WAS SHUT OFF..cause he pay it. That was on the lease agreement. SO NOW I WANT TO STOP IT FROM BEING SOLD TO ANY ONE potential buyers
Experian has fail to delete wrong information on my report, such as personal and accounts with recent payment that have been close. Fail to provide me with proper documentation of negative collection accounts on my report. also they are taking more than 45 days to provide me with mail in results of my disputes.
I had a student loan out with Navient and I called them to discuss being a teacher for a non profit organization about 7 years ago. They told me I would qualify for the Non profit forgiveness loan but I have wait 6 years and then {$8000.00} would be forgiven. I called them multiple times to follow-up and they gave me the same information ( phone calls are on record ). After 6 years I called and they told me we needed you to sign a form, you have to wait another 6 years now. A form was NEVER mentioned prior, I obviously would have done it, I even made follow-up phone calls to ensure I received the forgiveness, and I was never made aware of having to sign something. When I was obviously upset on the phone, the enployee told me Navient had been cheating their customers for a long time, it was announced 2 days prior to my call, and I should join the class action lawsuit. The lawsuit seems to be about late payments, which I wouldnt qualify for. I need help please!
They reported me over 120 days late and that is inaccurate. I wrote them and asked them several times to remove the late marks, and still they remain, the fair credit report act states they have 30 days to either dispute or remove and the have chosen to do nothing.
The credit reporting agencies are in complete control of our personal business lives, yet they have no accountability, no customer service, etc. Esperian is the worst of XXXX. I try to get them to update my report and I talk to someone in XXXX. This economy is based upon consumerism. It should be easier to update credit reports! 

Thank you, XXXX XXXX
As the company clearly states in its XX/XX/XXXX response to my previous complaint, on the call from XXXX XXXX, 2017 with the company 's lending department, the specialist from the company advised me that I was unable to submit a balance transfer until I received my card. That is why I paid down my balances on my XXXX cards. I was led to believe by the specialist that the balance transfers were not complete because I had to wait until I received my card to submit a balance transfer. The company is expressly admitting this in its response. I again ask that Chase reimburse my transfer fees since the lending specialist clearly told me that a balance transfer could not be submitted before I received my card. Only reason why I paid down my XXXX balances and I am now stuck with XXXX dollars in fees for transfers that were not needed. I respectfully ask the CFPB to require Chase to reimburse me for the fees, now that they have expressly admitted that they provided conflicting information.
20 years ago, while attending college I opened some credit cards. Last year I purchased a home, and resolved all credit issues at that time. Since then, I have been receiving numerous mailings from random collection agencies. 
Upon arriving at work today, a coworker signed paperwork from a constable to garnish my wages. 
I called the Attorneys representing the collector, whom in my opinion are actually collection agencies! I believe this is harassment and I 'm so upset, that I can not perform my work today. 
the harassing attorneys office is HODOSH LYON & HAMMER LTD, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX.
I received this card and because the rate was very high I returned back to bank and ask them to close this account. They did but never sent me a billing statement. I do n't do paperless statements so therefore I never requested this service. I decided to check my e-mail today and I saw this letter. I did call in and spoke with XXXX reps and XXXX supv but we did n't make it pass the verification even after coming through verified by automated.
I have arranged to add an additional amount to my monthly auto debit payments on my student loans. I 'm told that because my groups have different due dates, Nelnet will not make a payment on a loan group that is paid ahead, so interest grows and grows despite the fact that I 'm paying over {$100.00} per month above my minimum payments. 

This month, Nelnet took roughly {$150.00} above my minimum monthly payment ( as I set up ) and did not even cover outstanding interest on XXXX of my loan groups, paying only about {$8.00} for the month, and leaving over {$30.00} of unpaid interest. This loan accrues about {$8.00} in interest every week, which would lead to me paying about an extra {$70.00} in interest by the time they take another full payment, despite arranging for about {$300.00} in extra auto payments above minimum in that time frame. 

If I did n't feel like I had to check this account weekly to see how they decide to split my " automatic '' payment I 'd never notice that they 're letting some loans accrue interest ( higher interest loans ) while making additional payments on lower interest groups. It will not take long at all for this practice to result in my paying significantly more in interest than I save with the 0.25 % reduction. Why is it made so difficult for me to stay on top of my loans? No other loan servicer I 've ever had ( auto, mortgage, etc ) has gone out of their way to make it difficult for me to make my payments. Why is it that I have to log in to this site every time I want to take any semblance of control over my student loans? I ca n't even set up more than XXXX extra payment at a time, so if I want to pay an extra amount on a different group each month, that 's XXXX logins. 

I would guess I spend about 6 hours a month managing the " auto-debit '' on my loan to make sure Nelnet is n't taking advantage of me.