WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a sectional couch, and the sales representative encouraged me to also purchase the ottoman that comes with the set. The sales representative was given the measurements of the space where the sectional would reside, and the sales rep determined that the ottoman would fit in with the sectional. As it turned the sectional was far too narrow to have the ottoman fit between both sides of the sectional. I tried to work with the furniture store, who it turns out is a highly unethical merchant. I spent a great deal of time with the credit card company, whose initial representative advised me he was sure they would not charge me for this ottoman ( which was way overpriced compared to other stores ). I followed the credit card company 's demand for information, but they also required me to get a statement from a similar merchant that basically supports my contention. I told them I have NEVER HEARD of any merchant requiring such a thing. What merchant is going to stop his business long enough to not only talk to me about the issue, but also prepare a document stating that he/she supports my contention. This is utterly ridiculous. I asked the credit card company to please give me the name of one merchant in my area who would make such an evaluation with no benefit to themselves, and they could not. I asked the credit card company to request the measurements from the store, and they refused. It is clear the credit card company does not want to honor its claims of supporting customers who have been cheated my merchants. The credit card company is requiring a completely disinterested third party merchant to get involved in the dispute and write a document supporting my contention. In other words, this is the credit card company 's way of dismissing the dispute and leaving the cardholder hanging with an unfair and unjust charge.
After reviewing my credit report I have noticed that XXXX XXXX XXXX has placed two accounts on my credit file that I have no knowledge of : XXXX XXXX XXXX XX/XX/XXXX {$1200.00} and XXXX XXXX XXXX XX/XX/XXXX {$1200.00}. By law this company is obligated to inform me of this debt by writing. I have never been contacted by this company. I have no knowledge of these accounts and have not signed a contract with either three companys. I am requesting that this company remove these accounts immediately and prove to me by writing with my original signature that these accounts belong to me. I have not signed a release form for my medical records to be released. If this company is in possession of my medical records or violate HIPAA. I will file suit against the company and its clients. I have been advised my attorney to take immediate action if these accounts are not removed from my report. Because I am a victim of identity theft I am requesting that this issue to taken care of immediately. 

Thanks, XXXX XXXX
On XXXX XXXX 2016, I cancelled my USAA MasterCard in order to limit my exposure to fraud and credit card risks. USAA opened another USAA XXXX credit card in my name without my consent or knowledge. As such they have now increased my risk to credit card fraud and identity theft. To make the situation worse they did it behind my back in such a manner that I would not be looking for a newly opened credit card. Additionally, when I tried to cancel the unauthorized credit card with USAA, they made the process overly difficult by insisting that they transfer me to a special department to process the cancellation. The reason for the transfer was because it was my only credit card with USAA. In talking with the representative on this matter : they said that if I had a second credit card with USAA that they would be able to cancel it immediately without transferring me to the " special department. '' As luck would have it, the phone call was mysteriously disconnected during the transfer - how convenient for USAA, I thought. The fact that the Bank can unilaterally create a contract between me and them for the extension of credit bothers me. Moreover, USAA makes it very easy to sign up for the card but cancelling the card does not have the same ease of process.
XXXX, Equifax, XXXX XXXX reporting illegally aged account. 

XXXX XXXX XXXX  XXXX TRUST These agencies all show a loan from XXXX on my credit report, which was last paid on XX/XX/XXXX. There were no more payments after that date. The loan was sold to XXXX XXXX  within the past few years. 

This is an old debt, over 10 years old. The original loan company ( XXXX ) went bankrupt. 

But XXXX XXXX re-aged the debt to XXXX, and recently placed it at all 3 credit bureaus.. This is completely illegal, any debts with over 7 years since last delinquency, must be removed from credit report. 

This illegal reporting has ruined my credit and prevented me conducting business with certain companies.
I have disputed the XXXX XXXX tradeline on my credit files with TransUnion, XXXX  and XXXX as the account is old and was closed in XXXX, and included in Chapter XXXX BK in XXXX of XXXX. XXXX appropriately deleted the tradeline in XXXX. TransUnion is reporting the account as " open '' and updated the status with the date of my dispute which flags my credit file as having a current delinquency and claims this was the information they were sent by XXXX XXXX. XXXX reports this account as " closed '' but like TransUnion, updates my credit file tradeline status with the date of my dispute which keeps resetting the timeframe for this account to be removed from my credit file. 

This is an old account, XXXX XXXX claims they are legally allowed to report it from the date of the Chapter XXXX BK which was in XXXX. If this is the case then the tradeline needs to be updated to reflect the last activity on the account is the date of the BK discharge which was almost 5 years ago, and they should not be adding a new BK status on the tradeline which then reports as though it is a new derogatory record. 

Please delete this tradeline for inaccuracy in reporting, it should have been removed in XXXX due to the 7 year negative reporting clause. Additionally, it was discovered that activity was seen on this account in XXXX, 3 years after it was included in BK - XXXX XXXX claimed that was an " adjustment '' on their side. However, I was never notified and only discovered it when I requested documents during my attempts at disputing this tradeline in XXXX. It has been well publicized that XXXX XXXX has committed fraud with numerous current and former customers ' accounts. I was part of the class action lawsuit, and I would like this tradeline removed and I would like an explanation for why this account had activity on it 6 years after it had been closed ( XXXX ) and 3 years after it had been included in BK ( XXXX ). 

Thank you, XXXX XXXX
Chase 1 ) continues to report Other primary account holders as mine.

2 ) Continues to report credit cards that have been replaced by new issued credit cards as current, creating the appearance that I have more debt to income ratio..

3 ) Refuses to fix problem since XX/XX/XXXX 2017
On XXXX XXXX 2017 our title company sent a payment to Capital One as part of our closing agreement. When the payment was n't posting and Capital One could n't give information I called the Title Company in the XXXX week of XXXX. They told me the check had been returned to them ripped up even though they had followed Capital One 's procedures listed on the statement and they had reissued another check to them. I called Capital One and asked to speak with a supervisor. I spoke with XXXX ( ID # XXXX ) she assured me she would make sure they received the check that the title company issued for my account and my husbands account and she would make sure an interest fee was not applied since the original check would have made it in time to pay the accounts. She told me if she could n't find the check or there were other issues with the way the check was submitted by Monday XXXX XXXX she would contact me. I then closed both Capital One accounts. On XXXX XXXX Capital applied both payments ( one for my account and one for my husbands account ) to my account causing the closed account to be overpaid and my husbands account not paid. Rather than trying to deal with Capital yet again I figured a check would be issued back to me and we could pay my husbands account over the website. On XXXX XXXX I went to the website to see that instead of issuing a check to pay back the over payment Capital one had charged an interest fee. I called and spoke with XXXX ( ID # XXXX and then she told me ID # XXXX ) she told me that they would refund the interest fee and issue a check by Friday XXXX XXXX. By XXXX XXXX the account had nothing showing the interest fee returned and no check being sent out. On Saturday XXXX XXXX I again called Capital One to see what was going on. I was told that a interest refund had not been submitted and the agent talked with her supervisor and came back on the line to say instead of refunding the {$49.00} interest charge they just applied a {$50.00} credit and the check would be mailed out. The account is still not showing the credit and a check has still not been issued.
cra violation sent po report and idtheft gov not mine state farm and XXXX taking more than 30days
I received two overdraft fees on transactions that did not overdraft my account. I show on my account that these transactions did not overdraft my account. In their ridiculous ploy to steal money it even shows on my account history that other transactions posted after the two in question that were not assessed an overdraft fee.
On XX/XX/XXXX, I mailed an in-full monthly payment to my Capital One business credit card for the XXXX statement that was due XX/XX/XXXX. When I received my XX/XX/XXXX statement, it indicated a balance that also included the past XXXX statement amount, plus a {$39.00} late fee charge and {$17.00} interest charge. 

I immediately called Capital One ( XX/XX/XXXX ) to find out why they had not credited my previous payment. The customer service rep, XXXX, claimed it was never received. I ask not to be charged the additional fees because I had mailed the check and I could only assume that it was lost in the mail. They agreed to deduct the additional fees within 3-5 days while allowing 7-10 days to receive my replacement check for payment.

In the meantime, I received a letter from Capital One ( dated XX/XX/XXXX ) that returned my  check to me. The letter stated they were unable to process the check due to damage. The check they returned to me in the letter looked as though someone had taken a pair of scissors and had purposely cut a series of the banking numbers out of it. I again immediately called Capital One ( XX/XX/XXXX ) to find out how the check damage '' might have happened ( XXXX claimed a machine opens the received checks, not a person ) and why they would have charged me a late fee and interest when Capital One had already known of the damaged check and of its return to me ( XXXX claimed a computer automatically generates related late fees ) and why, when I previously called on XX/XX/XXXX, that none of the information related to the damaged check was noted and in their system. XXXX made profuse apologies and excuses on behalf of the companys machines and computers but according to her, no human was responsible for any of the problems I was having. 

The next insult from Capital One came an hour after that conversation when I attempted to charge a {$3.00} USPS postal fee and it was declined. Despite being told on XX/XX/XXXX that I had a window of 7-10 days for the replacement check to be received only 5 days had passed so why was it declined? When I called Capital One ( same day ) to complain about the declined charge, XXXX explained she couldnt help me change the status of my card, that it was out of her hands as my account was automatically put on hold due to non-payment. 

So my complaint-inquiry is twofold. First, is it legal for Capital One to have applied late fees and interest when they were aware that their equipment was the reason the check was damaged and not able to be processed? Doesnt Capital One have a responsibility to also change that automated process ( which should n't have charged me late fees in the first place ) as well as institute a grace period for the customer to send a replacement check when this type of internal failure happens on their part? 

A response from a capable, problem-solving human would be appreciated.
On XX/XX/XXXX, I received a letter on explanation from XXXX   XXXX XXXX XXXX/ aka XXXX XXXX XXXX. 

This agency stated they assigned the servicing of my loan to XXXX XXXX   XXXX XXXX.As I've mentioned on several occasions, I wasn't notified of the transfer. By XXXX XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, within the fifteen day time frame. 

I was under wage wager in XXXX and discharged in XXXX. The courts wasn't neither. Your bank sent me XXXX statements in from XXXX, yet taxes on the property at XXXX XXXX XXXX XXXX TN XXXX. 

I've pulled all of my court records to learn that someone has created a Federal Identification number using my personal information. My history was being deleted / malipulated with. 

You never mailed me the transfer on XX/XX/XXXX. I just learned of these transferred in XXXX, after filing complaints to CFPB. On XX/XX/XXXX my loan was with XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX  sent me a copy of my XXXX XXXX XXXXXXXX. XXXX interest Statements also includes my home owners insurance with. XXXX and XXXX XXXX. 

When I filed bankruptcy in XXXX, I didn't realize that I was filling against XXXX XXXX XXXX XXXX. Until XXXX, when I pulled my bankruptcy court records.. 

XXXX XXXX XXXX XXXX doesn't seem to have been aware of XXXX XXXX XXXX. XXXX XXXX XXXX used the same loan number and three different Federal Identification numbers. I have print out on payment made to them in XXXX towards XXXX. 

I have copies of the claims filed with XXXX. XXXX, water damage, XXXX-my home was broken into, once I learned I was a victim of identity theft. XX/XX/XXXX. There was never any mention of XXXX XXXX XXXX XXXX. The policy number is XXXX. 

Someone name XXXX XXXX was listed on my property long before XXXX, when the property was forclosed on. The courts have a tax ID number on my resume as I've mentioned. If you need me to mail information, please give me a contract. It's as though you were mailing my information to XXXX XXXX XXXX XXXX, rather than to me.
Hard inquiry from ( Citibank Na best b Televisin and radio ) today XX/XX/2019 Hard inquiry from sears/cbna complete department stores today XX/XX/2019.

Both inquiry wasnt made from me, I was advised by XXXX XXXX.
The credit report refused to do their duty under the law so I involved the FTC and the Police Deprtment
XXXX   XXXX   XXXX   XXXX  transferred the loan to  XXXX   XXXX  when it was in consolidation and in forbearance.  XXXX  then worked with me putting them in Forbearance until they transferred the loans to  XXXX  where the loans are in good standing and in deferred status while I am pursuing a  XXXX   XXXX   XXXX  . All  XXXX  bureaus as showing the originals  XXXX   XXXX   XXXX   XXXX  account as Closed.  XXXX  is reporting the same accounts as Closed with different account numbers and with delinquent payments.  XXXX  shows yet again different numbers but they are in good standing.  XXXX , Transunion, and   XXXX    are all doing the same. I have requested that these be investigated for years and the response is always the same. That the information is correct upon their investigation.
I do not use the card, I did not notice that there was an unauthorized charge in the amount XXXX on XX/XX/17. I did not pay the bill and then started getting emails and past due notices. When I realized, I contact them and they reversed the unauthorized charge yet continue to bill me for late charges and interest on a charge that they have reversed. I called them, they agreed but could not figure out how to transact it. They were combatative. This had impacted my credit and it is harassment.
To : Trustee XXXX I am stating I sent XXXX XXXX XXXX, XXXX a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and XXXX responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. 


Thank you,
I received an email yesterday ( XXXX/XXXX/15 ) stating my application for a loan was approved but they needed to verify information. I did not answer as I am a XXXX and did n't see the original email until later. I received a second email informing me that my loan cleared and would be funded to log into my account. I realized that I also had 5 missed calls from the same company. When I called I was asked for my social security number and date of birth. I refused and told them I did n't apply for a loan nor did I want one. I was told that I did apply and they could n't help me without my personal information. I asked for a supervisor and the same person returned to the phone and said the same thing. I logged into the website and there were loan documents that I supposedly signed. My name is not correct, nor my address. The IP address that I supposedly signed is not in the state that I am currently residing nor a city that I ever lived in or visited through a cable company that I have never used. I called my bank to close my account and I had to wait until today when the branch I opened the account with opened for business. I check my account this morning and this scam loan has funded to my account. I called, and emailed the company ( Castle PayDay ) and they refuse to help me stating that I did apply and except the loan. I am a teacher and I was in school in a conference with other people in a different state when I supposedly signed this document.
Inquirer Name : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX-XX/XX/XXXX Contact Information:XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX This inquiry is on my XXXX report please have them remove this from my account i did n't authorize anyone for inquiry. thank you. 

Inquirer Name : XXXX Inquiry Date : XX/XX/XXXX -XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Inquirer Name : XXXX XXXX inquiry Date : XX/XX/XXXX-XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Each of this companies have put 2 inquiry 's on 2 different dates i have never applied for this credit cards for accounts. thank you
My problem is with Bank Of America credit card payment features and their Automatic Bill Pay feature. Generally speaking the B of A on-line instructions are very confusing and I suspect intentionally ( as well as small difficult to read print ) making it difficult to understand what amount of payment is being applied which leads to payments and interest payments not a reflection the payor 's intentions. I had assumed I set up an automatic monthly payment of the full amount due on my credit card each month, but I had in fact unintentionally set up a minimum payment due schedule. The minimum payment due schedule would subject me to significant interest payments on the balance. I was able to correct the schedule, I think, but it took considerable time by phone to confirm. My complaint is that B of A has known of the confusion their on-line payment system creates but are slow to fix because they have benefited from penalty fees and interest payments. I suspect that the elderly are particularly subject to this confusion and that a check of records would reveal disproportionate fees paid by this, my, demographic.
We were applying with Wells Fargo for a mortgage n XXXX ok. The agent said we were approved. The she, XXXX XXXX, took the action under a Wells Fargo to take a personal line of credit or debit card out against our request or knowledge. We were then declined on the mortgage but our credit dropped and we endured personal stress. We were dealt with in bad faith by what appears as fraud. We received a check as a result for {$64.00} from XXXX vs Wells Fargo. As our share of the settlement agreement. We need a fair settlement for being financially abused, defrauded, bad faith, and decline of credit rating. 
It is unsatisfactory that attorneys we did not hire get huge settlements and Wells Fargo pays hundreds of millions while victims get nothing fair
XXXX  sold my mortgage to  Nationstar  in  XXXX   XXXX . All terms remained the same and I was paying {$1500.00} a month  (  {$320.00} escrow included  ). A ll taxes paid by  XXXX  before sale for the year  XXXX . In  XXXX   XXXX   Nationstar  paid my county-town tax for {$1200.00}. My school tax is not due till  XXXX   XXXX  for {$3900.00}. MY CLAIM IS  Nationstar  says I have. {$2900.00} escrow shortage. By the time  XXXX  comes I would have accumulated {$3200.00} and only be {$700.00} short. They immediately spread payments over 12 months and my new payment since  XXXX  is now {$1700.00}. This is a {$230.00} increase that is creating a burden for me, I am a  XXXX    XXXX   living off of  XXXX  compensation and the additional {$230.00} a month is a lot for me to sacrifice. I have made numerous calls faxes emails but not one can give me a straight answer, and they sent escrows analysis and the numbers are not consistent. I just want my payment to go back to normal ... .please help me. Thank You  XXXX   XXXX   XXXX
On XX/XX/2018 I disputed an item on my Equifax credit report using USPS certified mail ( See attachments ). I recently received the results from Equifax that indicates, " The disputed information has been verified as accurate ''. 

Equifax has failed to disclose to me documents that were used to verify the accuracy of the information reporting on my Equifax consumer credit report. The response provided by Equifax does not constitute verification. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, I have the right to demand Equifax disclose all of the documents that have been recorded and retained in their file at the time of my request concerning the account reporting in my credit report.
On XX/XX/XXXX I got a letter from SunTrust telling me both my personal and business checking accounts were being closed. Both of these accounts had already been closed as early as mid-XX/XX/XXXX but I received the official closure letters on this date.

The letter says " At the time of account closure, SunTrust Fraud Risk Operations performed a thorough review to determine that status of the funds, if any, in your recently closed account. If it is determined that these funds, if any, should be returned, a check will be sent within 15 business days. If it is determined that these funds are not collectible by SunTrust, the remaining funds will be forfeited. '' It has since been over 15 business days and I received no checks for any of my accounts. I called them on XX/XX/XXXX and now they are telling me my funds are in reclamation until XX/XX/XXXX in case any institutions try to reverse the funds sent to me, and then after that date I have to wait again for the review process of my funds.

I do not understand why they are treating me like a criminal acting like my money is no good all of a sudden. I never had any institution do a reclamation on the funds in my bank account since opening my accounts with SunTrust over 2 years ago up until present day, so why are they making me go through this?

The only suspicious activity I can think of was a failed withdraw a few days before my final account was closed but this failure was the result of my local SunTrust branch not being cooperative and listening to me. I made the same withdraw on the same day at a different branch and provided everything asked of me, they can also review security footage and see I am the same person who banked with them since opening my accounts.

I tried calling them multiple times in the last few weeks to resolve this but they are maintaining that I must wait so I am filing this report now in hopes they will reconsider. I will wait a few more weeks and then I will go to my last resort which is taking SunTrust to court for the amount held, damages, and lawyer fees.