WillisBack/dataset-financial-user-claim huggingface dataset:
After recent cancellation of membership, I received multiple calls with attempts to collect a debt for a credit card in which I have submitted payments for previously with outstanding payment history. Though I submitted my payment via check XXXX did not acknowledge the payment so I resubmitted my payment via money order in which was deposited on XX/XX/2016. Through the many attempts to submit payment XXXX continues to raise the statement balance with outstanding interest fee and fails to update the payment balance. When I made my payment of {$350.00} my balance was XXXX, as of today the balance is XXXX and continues to increase with interest fees and no reflection of the payment of {$350.00} made in XX/XX/XXXX. I have contacted the Risk Committee, XXXX, XXXX, and may other individuals/departments within the bank dated back to XX/XX/2016. I have sent many letters to have this item removed from my credit report do to inaccurate information and lack of processing, but nothing remains to be done. I have contacted a lawyer to resolve this issue but the bank continues to draw a blind eye. Overall in conclusion, I have paid this credit card a total of XXXX times, once with a check and another with a money order. I have contacted the bank on numerous occasions but continue to have the phone disconnected and the issue not resolved. With my payment of {$350.00} towards a balance of {$360.00}, no payments have been reflected and interest continues to raise bigotedly and this installation continues to remain a huge burden hindering my valuable credit history. I have contacted a lawyer and the XXXX credit with attempts to resolve this issue but remain unsuccessful in this matter do to XXXX failing to reflect payment/paid off balance. Thank you for your help in this matter and I am greatly appreciative of removing XXXX defaults from my credit history and back rolling unnecessary inaccurate charges as a reflection of mishandling process on the banks behalf.
Representative of firm called Consumer Recovery Solutions, name of rep XXXX XXXX, phone number XXXX, called to attempt to collect on an overdrawn checking account from XXXXXXXX XXXX, overdrawn in 2010. Original overdrawn amount was {$130.00}. Was attempting to collect {$700.00}, and threatened that their firm has attempted a court summons recently, though he could not say when. We have received no mail, or any other notification, of the overdraft or the attempt to collect. He referenced a case number, XXXX. We initially agreed to pay, but moments later, changed our mind. Our bank told us that to fully cancel the transaction before it took place, we would need to close the debit card fully that we provided to them. This is a damage to us, and we will be without the debit card. We have suffered significant emotional stress due to this call, and this entire ordeal. When I attempted to contact this firm, I did speak with the rep, XXXX XXXX, and told him we wanted some paper form of the original debt and who it was owed to, and told us we would not be provided that information, then abruptly hung up the phone.
Bayview Loan Servicing continue to violate consumer financial protection laws of dual tracking foreclosing on our home while we are in an active workout. Bayview Loan Servicing has started a foreclosure or foreclosure sale in violation of loss mitigation rules. 
Starts a foreclosure or foreclosure sale in violation of the loss mitigation rules. 
Bayview Loan Servicing is actively foreclosing on our home after we have made XXXX payments on time and continue to make payments. The trial modification plan called for us to make XXXX active payments on time. Although Bayview Loan Servicing has failed to provide a permanent modification package until XX/XX/2016, we will continue to make payments. 
On XX/XX/2016, Bayview Loan Servicing claims I stated to an Asset XXXX that I declined the Permanent Loan Modification Documents they sent me. Bayview Loan Servicing stated " On that same day XXXX XXXX spoke with the Asset XXXX and stated that she declined the Loan modification offer. '' 1 ) Firstly, after our second Asset XXXX, XXXX XXXX left Bayview Loan Servicing failed to notify me of who my new Asset XXXX was. 

2 ) The third XXXX XXXX never answers her phone and therefore I always leave multiple messages and she never returns phone calls to discuss the loan. 

3 ) Bayview Loan Servicing continues to harass us and discriminate against us due to our XXXX by blatantly lying and making false accusations to cover up their neglect, unfair practices and. I would like to make this perfectly clear I NEVER DECLINED ANY PERMANENT LOAN MODIFICATION DOCUMENT FROM BAYVIEW LOAN SERVICING ON XX/XX/2016. I did n't receive any documents from Bayview Loan Servicing for a Permanent Modification Documents until approximately XX/XX/2016. Therefore, it would have been impossible for me to have stated to an Asset XXXX at Bayview that I was declining permanent modification documents I DID N'T HAVE. 
Bayview Loan Servicing claims they called us on multiple occasions and we did n't answer. 
1 ) Bayview Loan Servicing NEVER called on the dates they indicated or multiple occasions. 
On multiple occasions I have sent qualified written request to Bayview Loan Servicing, Bayview Loan Servicing has failed to acknowledge my letter. Although Consumer Financial Protection Laws state Bayview Loan Servicing has failed to fix the error within the XXXX to XXXX days ( excluding XXXX, XXXX and XXXX holidays ). Bayview Loan Servicing has also failed to send us the information we requested or investigate and explain why no error occurred or the information was n't available. 
Bayview Loan Servicing has failed to state why they think they did n't make an error, and has failed to explain in writing why. Bayview Loan Servicing has also failed to explain why the information is n't available.
THIS ACCOUNT IS NOT MINE I FILED SEVERAL DISPUTES I PROVIDED DOCUMENTATIONS I AM HAVEING PROBLEMS WITH THIS CREDIDTOR I AM REQUESTING TO PLEASE REMOVE OFF MY CREDIT REPORT I TALKED TO THE COMPANY A FRAUD REPRENSATIVE STATED TO ME I AM NOT RESPONSIBLE FOR THIS ACCOUNT PLEASE EXPEDIATE THIS ACCOUNT
I had an credit card account that went to default XXXX XXXX XXXX in XXXX, and it was charged off and this item was sold to a debt purchaser - XXXX XXXX. 
There is incomplete - inaccurate data on my report - with all Major CRA 's. This information has been disputed at least once, with all XXXX. 

1. Through XXXX - This Account shows " OPEN " and, with missing critical account details, such as its actual status. This item has been communicated as a dispute to all CRA 's. 
2. On XXXX in XXXX - XXXX through current, lack any payment history - " Type '', is not Credit Card its blank. XXXX XXXX is XXXX XXXX, I believe is the original delinquency date, MAKING this account to old to report. 
On Experience printed reports, this account is incomplete and inaccurate. 

There is no Payment StatusTrans Union/XXXX - the Payment history does NOT match the " Last Payment made date '', and the other dates are not consistent. 



Despite my continued disputes - this account has never been updated and remains, and in spite of the FCRA which says that incomplete records, must be deleted.
XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX  Re : XXXX XXXX XXXX XXXX .

Attn : Dispute Department, I am writing to dispute the following information contained in my credit file. I circled the item I dispute on the enclosed copy of the credit report that I received.

The following account, XXXX XXXX XXXX XXXX. is listed as being 30-59 days late. This is inaccurate because I have never paid 30-59 days late.

I purchased a XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX from XXXX XXXX XXXX XXXX. I made timely payments to XXXX XXXX XXXX  beginning XX/XX/XXXX through XX/XX/XXXX, and have never paid 30-59 days late. After making 12 timely payments on theXX/XX/XXXXXXXX XXXX XXXX, I upgraded to a XX/XX/XXXX XXXX XXXX XXXX purchased from XXXX XXXX XXXX  of XXXX on XX/XX/XXXX.

I contacted XXXX XXXX XXXX XXXX XXXX XXXX., on XX/XX/XXXX. I spoke with XXXX, a representative at XXXX XXXX XXXX XXXX XXXX XXXX. Customer Service Call Center, regarding the negative listing being reported on my credit file by XXXX XXXX XXXX XXXX   .

She advised me that they were reporting the 30-59 days late payment accurately. I advised her of the new car purchase on XX/XX/XXXX, and XXXX XXXX XXXX of XXXX had paid off the XX/XX/XXXX XXXX XXXX XXXX. She then stated that according to their records, a check was received from XXXX XXXX XXXX  of XXXX on XX/XX/XXXX to pay off the XX/XX/XXXX XXXX XXXX XXXX. She advised me to dispute this matter with the credit bureaus.

Below is the account information on the XX/XX/XXXX XXXX XXXX XXXX : Account # XXXX Purchase Date -XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX  VIN # XXXX Lienholder XXXX XXXX XXXX XXXX I am submitting a letter from XXXX XXXX XXXX of XXXX as proof acknowledging they are fully responsible for the 30-59 days late pay off and not me. Therefore, XXXX XXXX XXXX XXXX. should no longer report this inaccurate information to Equifax.

Please correct this accounts inaccurate, negative status listed as 30-59 days past due, to a positive status such as Pays as Agreed, immediately and send me an updated copy of my credit report reflecting this correction.

Sincerely, Enclosures : Copy of credit report Letter from XXXX XXXX XXXX of XXXX
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX, XXXX , XXXX XXXXTo Whom It May ConcernI sent a letter to you disputing XXXX account and XXXX unauthorized hard Credit inquiries removed as erroneous on XXXX/XXXX/XXXX and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on XX/XX/XXXX.it is now XXXX/XXXX/XXXX and I have not received a response from you. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report. You must now delete the dispute and unverified accounts failure to do so can result in a {$1000.00} fine per undeleted item. 
Negative ItemXXXX XXXX Account Number XXXX 30 days Late payment on XXXX XXXX ( XXXX XXXX respond letter attached XXXX XXXX and they ask me more information 's. they not respond me within 30days period please remove this Item my Credit report ) Unauthorized Hard Credit InquiresFollowing creditors responded me and they ask me more information 's. They fail to respond with in 30 days time period .all letters attached. please remove following inquiresCreditor Inquires DatesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXFollowing Creditor 's not responded at allCreditor Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX CREDIT/FRONTIER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXEnclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all accounts I have disputedThanks in advance to your timely response to this request ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX
I have repeatedly requested that Ad Astra Recovery Services Inc. provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
make offers for credit, even if approved change terms ( always in their favor of course ) sales people AND management mis-inform clients blatant false advertising change websites ( 4 times in past year ) main retail website has link to bogus website
I have had my Capital One buypower card for some time now. I am a responsible customer that makes timely payments. When requesting a credit increase recently I was denied with the only reason on the letter being " credit line increases are not available at this time upon request for this type of account ''. I called Capital One to try to get some clarity on this very confusing wording and reasoning but the representative simply said what was already on the letter, she just kept repeating that sentence and said there was no way for anyone to manually check out the account and why it was not eligible. Now this type of wording is very confusing because am I to assume that credit card accounts are not able to have credit line increases? The type of account it is is simply a credit card and I am not familiar with a reasoning of credit line increases not being available for credit cards. This interaction with Capital One was absolutely absurd and the fact that I can not get anyone to manually look at this and explain why I was misled into getting a credit card that is not eligible for credit increases is simply unheard of.
I kept receiving balance transfer checks from XXXXXXXX XXXX. I finally use one to pay off Barclay Frontier Master card. I didn't realize my limit on XXXX was {$1800.00}. I wrote a check for {$1800.00}. Barclay tried to submitted check twice. I was charges a {$27.00} NSF fee. I called Barclay to explain the situation and went online to change the amount to be taken from my checking account from {$1800.00} to {$490.00} because XXXX XXXX did a balance transfer over the phone. So I get a text from XXXX that my account is overdrawn making my balance XXXX. When I went online to change the amount. I didn't even owe on the account to Barclay. So they took out the {$490.00} and {$1800.00} and they will receive another {$1700.00} from XXXXXXXX XXXX. They will not refund the NSF fee of {$27.00} and now they have been over paid on my Barclay amount. I know it is my stupidity to use credit and balance checks but Barclay has been over paid. i have excellent credit. 

I also want to make a complaint to XXXXXXXX XXXX as well for sending me balance transfer checks to make sure use them. They will not reverse the transfer even though I told them Barclay XXXX out my account and their balance is paid in full. the supervisor I was talking to hang up on me and when I called back to ask for her name XXXX would not give it to me. I am so frustrated on the system. I was just being a smart customer to pay off my debt but I am being penalized for using credit card. I know there is nothing that will be done because you will say I am just a XXXX person for using credit cards and transfer balances. I don't think it is right on how I was treated by Barclay and XXXX.
Disappointing Service and My opinion not worth the {$95.00} per year. 
I found Chase XXXX rewards membership is misleading in couple of counts. 
I booked my hotel via Chase website. But they are not adding the hotel loyalty number despite the fact that they do not pass the information on to the hotel group. 
When I signed up I was looking for a good travel card where I can optimize my hotel loyalty membership. During my research I found that Chase has flexibility with Hotel reward membership, at least thats what they want people to believe. 

Now when I signed up I found that it is totally misleading. The hotels reservations you make through Chase ; you can not add your loyalty membership. Although they ask you to enter it while booking making you believe that your loyalty membership is considered. Possibly to make the customer feel that they will get their hotel membership privileges. Preveleges like late checkouts, free breakfast etc wont be available which Otherwise would have been available. 

When you call customer service they ask us to call the hotel directly to make them add your loyalty number. Again misleading customer to get off the phone and just try to 'escape ' the call.
I left the country back in XXXX 2016 and return to the United States in XXXX 2016, received an letter from Citibank say that I owe them {$270.00}. I have a positive balance of {$83.00} at the closing statement on XXXX/XXXX/2016. For no reason Citibank sent me a refund check in the amount of {$83.00} in XXXX, which till this date I still have not received them, and a notice from Citibank dated XXXX XXXX, 2016 was sent to me in regards to a stop payment of the check. The bank should never sent a refund check and started charging me late fees and interest base on my own calculation. Citibank now owes me {$26.00}, instead of me owing them {$270.00}.
On XX/XX/XXXX, I sent an investigation request to Equifax. They were supposed to investigate inaccurate accounts on my credit report, and respond within 30 days. They have not done so.
I am XXXX XXXX writing a complain about Chase bank regarding my Chase Freedom Unlimited credit card with them ive fell on extreme hardship and i need some relieve.when i tried to contact chase card services they 've refereed/transferred me to a credit counseling services, but i was n't looking for that.i have a balance of about XXXX XXXX on it right now and i was looking for chase to postpone my payments for about 1-2 years with not reporting me to the credit reporting agencies. Thats how long it will take me to save up the money.I have talked to XXXX XXXX and he suggested to file a complain if they dont do anything.Im on the verge of fling for chapter XXXX bankruptcy and credit counseling services is not an option because im working on getting my credit file restored that would look bad on it.
Coinbase took {$2500.00} deposit that was made to purchase electronic currency. After they cleared the withdrawal from my bank they locked my account and have kept the funds. It has been over 6 months and they have not given me my {$2500.00} usd or the equivalent in electronic currency.
On XX/XX/XXXXmy wife contacted a XXXX ad for an apartment rental in the XXXX, XXXX area. Upon contacting the individual who posted the ad they posed a real estate agent in the area and had a 2 BR/2 BA apartment for rent for {$1900.00} per month and it was month to month. 

After initial communication with the real estate agent ( pretend ) we filled out a leasing application and lease agreement with the posing individual. At which point they confirmed via e-mail that they received the leasing information and would sent payment instructions. We were instructed to pay via wire since this was an out of state private owner as they called them prior. 

Once we received the wire instructions the funds were wired into the account on XX/XX/XXXX at approximately XXXX XXXX PST. After several hours, something was not feeling correct about the situation and we attempted to contact the " real estate agent '' and they did not answer the phone but called back and pretended to be XXXX the " property manager '' for the company. After being very suspicious we called another phone number for the realtor and were told they knew nothing about this apartment listed for rent. 

We immediately went to our banking institution and reported the fraud/scam. They attempted to stop the wire transfer and notify the other institution of the situation. This was reported at approximately XXXX XXXX PST which would be XXXX XXXX EST at the financial institution in XXXX  which is Trustmark National Bank. We are not members of the bank however we did call them and notify them of the wire fraud. 

We spoke to the Security Department on the morning of Wednesday XX/XX/XXXX and informed them of the situation. There response to us was they were not sure they received the wire cancellation request and the money was withdrawn from the account at XXXX XXXX EST. It is hard to believe that the institution did not receive the request to not allow the withdrawal of the money. 

Local law enforcement was notified of the situation on Thursday XX/XX/XXXX and she has since been in contact with the bank. The  institution has since closed the account. We had suggested to them on Wednesday that they look into the account and the large withdrawals and were told by the security department that its normal for people to go in daily and take large sums of money.
My funds are no longer secure at Wells Fargo. Advertisements have infiltrated between line items of my checking account online, a breach of ethics and privacy. I have tried from XXXX, 2016 to present, at the corporate level, to have them removed and get an answer as to why it was initiated XXXX XXXX # XXXX XXXX. They have been unable or unwilling to remove them. I have lost control of my account and so has Wells Fargo.
Sent debt validation notice in XX/XX/XXXX with no information returned.This account is also being reported inaccurately on my credit report. 

I originally requested the following.. 
Proof that the buyer actually purchased this specific account The terms and conditions of the sale of the account. 
original contract, statements, proof of the alleged debt Contract that I have with XXXX XXXX
XX/XX/2018 I was contacted in reference to this debt. I was told that the account was transferred to them on XX/XX/2018. 

We filed bankruptcy on XX/XX/2018. We had went to the Federal Bankruptcy Court XX/XX/2018. We received notification that the case was DISCHARGEd at the end of XX/XX/2018. The Federal Student loans that company was referring was in the Bankruptcy, the name that the account was under was also added to the file.
InXX/XX/XXXX I had a Chapter XXXX bankruptcy discharged. Since then my mortgage loan has been transfered a few times. When it was serviced by XXXX XXXX XXXX we were involved in a home loan modification to make a commitment to stay in our home and get current on our mortgage. The modification was approved XX/XX/XXXX. The modification re-financial structure constitutes in writing documentation that we are affirming our commitment to repayment of the mortgage.
The reason for this complaint is to make XXXX aware of the non-reporting to the credit bureaus for the past 15 months of all our timely mortgage payments.
After speaking to the Bankruptcy department division from XXXX who has recently changed their name to XXXX XXXX, I was told that I would have to re-open the bankruptcy and file a re-affirmation agreement and that I would not be given any retroactive payment history to the credit bureaus.
I feel that my rights as a consumer and home owner have been severely effected by an error on XXXX XXXX now XXXX XXXX Both myself and my husbands credit scores would have had an impactful positive reflection if there would have been reporting of our timely mortgage payments.