WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed debt from a bank account. I didn't use my bank card nor did I have my card. When a finally received my bank statement, due to me moving I didn't receive it for awhile, I noticed I was in the hole {$2000.00} I believe. At that time I went to my wallet only to find that my card was gone. I contacted my bank but because it had been a certain amount of days I could no longer get dispute it. I do not believe it's right to be on my credit report due to the fact that I did not authorize withdrawals from my account I know owe {$2600.00} to knight adjustment bureau and they refused my dispute. I'm very unhappy with this decision because I don't think it's fair for me to pay back something I didn't spend. It's been sense XX/XX/XXXX that this has been on my report and it happened back In XX/XX/XXXXor XX/XX/XXXX I believe when my account was actually closed at the bank and XX/XX/XXXX I believe when I contacted my bank.
Someone applied a capitol one bank account in my name and I never opened it up at all .... and I was in prison for 6 years and they refused to closed it and told me it will be on my credit report very soon if I dont settle the balance and I called and called they kept denying my claim and holding me responsible for it and said that my social security number was on the file with them for four years or more and I never had a bank account or a job cause I was in XXXX and my wife or her friends may be using my information and capitol one was applied in my name without my permiission
ERC is currently reporting and added a collection to my credit file without giving me a 30 day right to dispute notice. I have already filed a complaint with them, where they ADMITTINGLY state that the notice was sent to the INCORRECT address, where it NEVER reached me. I did NOT know about this debt until I checked my credit file, and I paid it as soon as I found out. They added this debt in clear VIOLATION of my 30 day right to dispute
We refinanced our mortgage with Quicken Loans in XXXX XXXX. We had the money to pay it down under the 80 % required to avoid a PMI payment, but the money was not liquid and would have been difficult to get immediately. The broker informed us that the PMI payment would drop off as soon as our LTV was under 80 % ( or possibly 78 % ). We then proceeded to pay down the mortgage as we said we would, and it was under 80 % right around XXXX of XXXX. 

We notified Quicken Loans that the loan was under 78 % and they told us that they could not drop the PMI without another appraisal ... ... just 3 months after the loan was refinanced. Without this appraisal they now intend to charge us PMI insurance until XXXX, when the PMI would have dropped off naturally. 

This is a 15 year fixed mortgage and the LTV is currently around 75 % based on the original appraisal. Nothing has happened that could possibly decrease the value of the house between the refinance date and when the principal was under 78 % ( or the present ). The real estate in my area has also had no major fluctuation in that time. 

I believe the mortgage broker was deceptive and should have informed us that this could happen. We were very clear about our plans to pay it down and our ability to pay and our plan to pay it off within months. We could have sped up the pre-payments to be under whatever deadline they have assessed here. If we would have been informed then we could have also paid the money up front and avoided this all together. We had ample savings at the time the refinancing was done to pay it down at the time of refinancing, and can prove this. 

I also believe the servicing department is being oppressive by requiring an appraisal just months after the refinancing. I could pay the appraisal fee and let it go, but I 'd rather make a point to file a complaint in hopes that other people do n't get cheated like this.
I applied for a Discover card on XX/XX/2017. During the application process I was told to upload a copy of my driver license and SS card, which I did on their online portal. Then, a Discover representative called me to verify information. The application was declined. When I called into the reconsideration department I was told that they were unable to verify information I provided and the application was declined and the decision was final. If I wanted further consideration, I would need to reapply, resulting in another inquiry. 

I now have an inquiry on my credit report from Discover Card which they say they will not remove. This adversely affects my creditworthiness. 

They did not properly process my request for credit. I have a XXXX FICO score, so it is unusual that I would be declined with that score.
On XX/XX/2018 I filed a dispute over the phone with Citibank. My account had a fraudulent transaction of {$920.00}. The representative informed me that within 10 days I would receive a provisional credit. I never received it. On the 10th day I called and they said to wait another 10 days for the credit to reflect on my account. Today is XX/XX/2018 and I still do not have my money. I called today and they told me I had to file another dispute and wait another 45 days. They are taking me as a joke. Every time I call they give me different answers. Nobody knows how to help me. Citibank is trying to stay with my money. I have bills and have not been able to get my children their gifts for XXXX.
This loan was incorrectly reported as past due in XXXX 2014. Attached are my PHH Mortgage account statements dated XXXX/XXXX/2014 and XXXX/XXXX/2014. The XXXX/XXXX/14 statement shows that the account had been brought current prior to that date, including all payments, late charges and any other fees, with nothing owed until XXXX/XXXX/2014. The XXXX/XXXX/2014 statement shows that the XXXX 2014 payment had already been paid and that on XXXX, no payment was due until XXXX/XXXX/2014. Yet this account still appears as past due 120 days on XXXX/XXXX/2014 on my credit report. Based on the attached information, please correct my credit report to reflect my true credit history. I look forward to your response.
After a female customer service representative spoke to my son and promised him that she would refund XXXX bank related fees, she could n't complete the refunds because her individual Citibank computer unit was running very slow and after about 15 minutes of waiting, her computer system froze and that 's when she informed my son that she was going to have to reboot her computer system and she promised my son that she was definitely going to refund me XXXX bank related fees, once her computer system was back up and running but she never completed what she promised. These XXXX bank related errors ( computer system disfunction/glitch / broken promised refunds ) caused me not to receive the promised refund of XXXX bank related fees. After calling back a few days later ( yesterday ), I was just refunded XXXX of the XXXX promised bank related fees by another male customer service representative. Then to add insult to injury the customer service department supervisor who spoke to my son refused to answer the following very simple question, which my son had to ask him endlessly, " Is it a bank related error when an individual Citibank computer unit disfunction and/or glitch interrupts with a customer service related conversation between a Citibank customer service representative and Citibank customer, especially when a promised refund of XXXX bank related fees could n't be completed and/or granted by the Citibank customer service representative because of the same above referenced computer system disfunction and/or glitch???? '' The supervisor endlessly and purposely refused to answer the very simple above referenced question. The supervisor 's refusal to answer the question is another bank related error. The supervisor also refused to correctly address, acknowledge and/or process the last promised bank related fee refund, due me. Furthermore, at one point, the supervisor was very unprofessional, disrespectful, rude, offensive and impolite towards my son. The supervisor purposely mimicked and spoke to my son with a XXXX person 's voice ( very slow speaking tempo ), like if my son was a very slow speaking and understanding XXXX person. Please have Citibank provide you with actual recorded conversation between the supervisor and my son ( Date : XX/XX/2017 - Time : sometime between XXXX & XXXX ).
A woman name XXXX called from ( XXXX ) XXXX and left a voicemail stating she is going to put a hold on my bank account, tax return and my properties. She didn't explain anything other than what was said before and that I should call her at ( XXXX ) XXXX. When I called the number she stated I owed over {$16000.00} for a XXXX XXXX which was repossessed that I owe a balance on. The vehicle was never repossessed and I never received anything in writing or mail from United Acceptance ( car loan company that XXXX XXXX in XXXX, mo sold loan too ) stating they were filing a suit or anything. I don't like being threatened or left threatening incomplete messages and would like for the calls to stop. They have my address so they should mail paperwork to my home.
XXXX XXXX payment made on XXXX XXXX. As of XXXX/XXXX/2015 still not applied to my loan. They have added escrow charges for paying my Home Owners Insurance that was already paid and expect me to get a refund from my insurance company. Because I refused to pay the escrow they put the mortgage payment in a suspense fund and will not apply it to the loan. And then they added late charges.
i got a call from XXXX the man said My Name : XXXX XXXX XXXX i said whos calling please he said No i need the last XXXX digits of your Social Security Number and then ill tell you who i am! I said NO you will tell me who you are and what company your calling from sir before I 'll release any information to you! he said NO i will tell you that after you confirm the last XXXX of your Social Security numbers! i said NOT happening your NOT getting my personal information, i do not know who you are and what company your calling from so tell me that please! He said again No mame i need you to confirm the last XXXX of your Social Securtiy numbers so i can confirm i have XXXX XXXX XXXX on the phone! I said NOT HAPPENING SIR. GOODBYE IM REPORTING YOU! i got very upset knowing this could be a identity threat call so i blocked the number and told my husband cause im elderly and XXXX both. my husband unblocked the number and called it back to see if someone would answer and he could find out who these people where harassing me for my social security number. they answered B.C.A. finacial services and told my husband this number we have for your call is XXXX XXXX and give us the last XXXX of her social to confirm its her! my husband said NOT HAPPENING thats illegal to not disclose who your calling for and your name sir and he told my husband it was a financial matter meaning a collections for a dept. well my husband told the man that he was reporting them. i looked at XXXX of my collections papers that 's all i owe as of now and i did have on for BCA financial services, Inc a debt collection company for {$75.00} but the numbers to contact them on their paper is XXXX or XXXX not the one that called me and this is for a old emergency bill for XXXX. original creditor. for XXXX there address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Florida XXXX im really concerned that someone can just call and ask for your social security number. he did said it was a recorded line. I got the call on my XXXX cell phone number. My other concern is that people who go into collections from that nice hospital here can have their identify information possibly stolen. Thank you for your help and concern in this scary situation. XXXX XXXX you can reach me at XXXX or XXXXXXXXXXXX
My second mortgage statement with Wells Fargo shows a due date of the XXXX of the month. The statement states that a late charge MAY BE charged if the payment is made before that date. In actuality, the drop dead date for the payment is the XXXX or so of the month. There is an unstated grace period. NO ACTUAL DEADLINE OR PENALTY AMOUNT IS SHOWN ON THE STATEMENT. 

Wells gives the customer 10 days from the first of the month to pay the bill. After the XXXX of the month the loan is considered in default. When the full amount due is paid by the end of the month, the next bill shows a late payment amount. This is misleading. 

The Wells representative stated that there is no need to put actual due dates or penalty amounts on the bill since the consumer can easily read the parameters is the constantly changing financial statements. 

This is exactly the misleading billing practices that wells has practiced in the past and has been penalized for.
My mother passed away XX/XX/2014. I contacted the mortgage company about the situation. They told me i needed to send them the letters of authority. i did, called them back and they said they did not receive them. so i sent them again, called them, said they did not receive them. called them again and finally got some one to help me. they told me what i needed to send over to them and what email i needed to send it to. i did. never received a response. called them multiple times. would not talk with me. I called the estate attorney and he sent them the letter of authority four times. with a documentation of the fax going through and they received it. He also called them and they told him they did not receive it.I have tried to call them for almost three years now and still get no corporation. Now they are trying to foreclose on the house. The mortgage company is SPS select portfolio. This has been very frustrating to deal with besides the lost of my mother. I am also on the deed of the house. But not the mortgage.
I was scammed on XXXX. A vacation property was listed in XXXX NC ( by owner ) and I sent $ thru XXXX to reserve the property for 2 nights + security deposit. The funds were ultimately received by a legitimate Bank of America account. ( This was verified by the local Bank of America. ( I have the account number because the " owner '' originally wanted me to wire $ directly to the account. ) 2 weeks later I needed to cancel the reservation due to illness only to discover ( thru research when no email response from the person I had sent the $ to ) that the property did not belong to this person and was exclusively listed thru XXXX XXXX XXXX XXXX. The XXXX listing had been copy and pasted from the XXXX listing. I also have a good phone number for the scammer because I called him to cancel the listing when I did not hear back via email and spoke with him. He has since tried to scam me again via text messages. I have filed a police report.
Ive been trying to make on-time payments every month, but unfortunately American Education Services does not give me any options to lower payments or to lower my interest rates. I have asked time and time again for help but they give me vague responses and no help to deal with this problem. I want to pay and eventually free myself of student loan debt but my interest rates keep changing and going higher. I feel I will never be able to reach my goals of paying everything off. Im afraid if they go too high with my interest that I wont be able to make payments. My monthly bill is {$720.00} a month, now it could be at {$730.00}! When does this end? When will there be assistantance to people who want to do the right thing? Am I being scammed for my money? What can I do to pay the principal down? I havent had any answers or help for almost 10 years! I dont want my entire life to be about paying a company who wont work with me to pay them off. Im growing emotionally tired every day from the frustration and helplessness. Someone please tell me what to do? I cant even refinance this loan. My credit is just not strong enough. I was once instructed on the phone that if i wanted a lower payment I would first have to be delinquent on my account, but that hurts my chances of having a better XXXXredit score to refinance eventually. Nothing makes sense anymore.
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Radius Global Solutions which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. Radius Global Solutions has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Radius Global Solutions. Radius Global Solutions is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
I have a past due balance due on my Kohl 's charge account. I made payment arrangements, and after I made these arrangements, they still have me on their automatic dialer system. They called me 2 different days, even after I told them to stop calling my cell because I already made arrangements, and that I was getting annoyed by these calls.
I have owned an XXXX XXXX XXXX card for one more year and I just received an offer from XXXX & Amex last year which I could refer my friends to apply for this credit card. After my friend has been approved, I will get 10k bonus for each successful referral. I have referred three friends in XX/XX/XXXX. But I only got 5k bonus for the first two friends and had nothing for my third successful referral. I have contacted AMEX custom service to fix this issue in XX/XX/XXXX like 6 or 7 times. Initially, they said I need to provide my friends ' e-mail and full name. Then they told me I need to wait until 8-12 weeks for the rest of the bonus arriving in my account. I think already that I could wait. But after 12 weeks, when I contacted them and they said that I need to provide last five digits of my friends ' credit number. After a few weeks, when I contacted them, they said they could not find give me the rest of bonus since they could not find the history. Each time I contacted them first, otherwise, they wouldn't tell me any results of this issue. The truth is that my first two friends have received their open account bonus and I just got 5k not 10k for each like promised in the e-mail. But the customs service just told me that they could not find anything in the system. Is this a fraud approach to cheat more customs to apply for their credit cards? I hope this problem could be solved fairly.
I recently found out I was a victim of identity theft and contacted Equifax about two collection accounts that are appearing on my credit file. The two accounts are a result of identity theft and I have never opened nor had an account with either company. I contacted the companies to let them be aware but it seems like I was going in circles regarding this very serious matter. They are unwilling to assist me with evidence linking me to the accounts. I have exhausted myself contacting them so I contacted Equifax and asked for an investigation. As of XX/XX/XXXX the information still appears on my credit report. I have sent letters and faxes to equifax asking them to delete/remove the inaccurate information that is ruining my chances of getting loans and buying a house. Could you please remove them and contact Equifax. I would like them removed as soon as possible.
The two collections that are 100 % fraud as a result of identity theft are : XXXX XXXX Original Creditor : XXXX Balance : {$420.00} Opened : XX/XX/XXXX XXXX XXXX Original Creditor : XXXX Balance : {$150.00} Opened : XX/XX/XXXX
On XXXX XXXX2017, I sent out certified to all 3 credit bureas including multiple CA. I 've been trying to resolve multiple negative account statuses on my credit report. The credit bureas ( Transunion and XXXX ) have failed to properly verify these accounts after 2 months. Due to poor investigation or lack there of, communication and a number of other things. Im requesting that all negative accounts that were n't lawfully investigated be removed. XXXX has been very successful and very helpful in removing the same EXACT accounts that Transunion and XXXX failed to properly investigate. These medical bills are negatively effecting my credit score, reputation and credit worthiness. The medical accounts in question have balances of {$570.00}, {$570.00}, {$470.00} and {$320.00}.
Equifax got hacked and from the website they set up, it looks like I potentially got affected. I am displeased and am trying my best to get myself protected with credit freezes ( and additional monitoring of any identity theft ).
I have a XXXX XXXX Aviator MasterCard issued through Barclays Bank. On XXXX XXXX I made a cash transaction for XXXX at a local branch of the bank I do my personal banking with. 
While conducting the transaction I discovered that I did not have the available cash that I believed I would have. Later that afternoon I was informed of XXXX convenience checks that were cashed and charged to my account. After, informing Barclays that the checks were fraudulent, they immediately cancelled my card, issued a new card and account number, as well as credited the fraudulent check funds back to my account. 
This is where the problems begin. That same XXXX transaction, plus fees, has posted to my account almost dailey, to the point where the overcharge has reached XXXX. 
I have contacted Barclays at the very least 20 separate times looking for resolution. 
They say " every time they try to enter a correction into the system, it reverses itself and instead shows as a charge to the card ''. They say they are aware of the problem, they are working on it, but until they work out a solution, my only recourse is to wait. Also, they inform me that I am not the only one affected by this issue. 
However, they continue to send me over limit emails and my payment due is based on a figure that is XXXX above what I believe my balance to be. 
On Sunday morning XXXX XXXX I called to ask about the payment and the incorrect figure they told me there is nothing that can be done and for me to just make the payment. I also, asked if they could tell me what my true balance was and was told that they could not. This problem has been going on for six weeks to this point with no end in sight. If Barclays knows what the problem is as they say they do. Then why wo n't they correct it. I find it difficult to believe that they are even working at resolving this problem. 
At this point I 'm extremely concerned about this issue being reported to the credit agencies as a bad debt, affecting my credit rating, as well as not knowing what my actual true account balance will end up being. 
I am left to wonder what and when this will be resolved. I get no information from the bank at all. I have to contact them for any updates, at which I 'm told just to continue waiting. 
I would formally like to file a complaint against Barclays to resolve this problem before my I 'm stuck trying to restore my credit and am having to fight to have charges that I 'm not responsible for removed.
Is n't there a law that requires credit card companies to apply customer payments to the balance with the highest carried interest rate first? I have a Chase Visa that I 've realized has directed all my payments for at least 5 mos. to my 0 % promotional transfer balance, and left my purchase and expired promotional balances unpaid, which further increases the interest on these balances. I 'm almost certain the CFPB prohibits this practice, perhaps I 'm mistaken, would appreciate your input.