WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I made an order online at XXXX, charged it to the debit card associated with my bb & t checking account. I realized I had done this and immediately and changed the payment method as it was supposed to go on another account for a family member. According to my check register, which i have to keep because bb & t 's online account info has always been misleading with their classification of pending, I had XXXX The order was for XXXX, and was marked as pendung unbeknownst to me. I noticed the pending discrepancy monday and contacted XXXX who confirmed that they had changed the payment and that they would not receive funds. Thinking the erroneous non charge would drop off, since it was already posted to the other account, i did n't act. I honestly had no inkling that bb & t would lock my account and post an overdraft fee with no pending status all in order to line their own pockets yet they did! When i called customer service I was bluntly and rudely told that amazon was in possession of the funds and that bb & t had nothing to do with the pending status-a blatant lie. Once I consulted documentation from bb & t and called back, I was eventually refunded the overdraft fee but the customer service representative was adamant that the funds would post the next day and I would be charged another. Of core bb & t 's pending status was released by the next morning and the funds were back in my account at the right amount. Even if id been given warning that the overdraft fee was going to be placed I would have made a deposit but they never assessed a pending status to it. Their practices are a ripoff, disreputable, and unscrupulous. In XX/XX/XXXX it was found that my grandmother who passed in XX/XX/XXXX had an open bb & t account of which we were not aware due to my dad XXXX 3 months after she passed. By the time we discovered this, because of social security scheduled deposits being suspended on death-which the bank had to have been aware of-monthly maintenance and penalty fees were assessed to a point that the remaining balance would n't buy lunch. Bb & t gladly accepted blood money and laughed all the way to the proverbial bank.
It is with deep regret that I must contact you once again to obtain information that is permissible by law. Navient ( XXXX - XXXX ) was contacted with a request for complete account transaction history from the origination ( XX/XX/XXXX ) of my Parent Plus loan up to the current date ( XX/XX/XXXX ). Also, a request for an amortization schedule for the same loan was made. As usual, it was promised as a deliverable within 7-10 business days ( it came ), yet the history was incomplete and the amortization schedule was not included. The XXXX XXXX, XXXX and Navient information was missing, containing only data between XXXX and XXXX from Navient. The original loan balance was {$13000.00} ( XXXX XXXX ) and as of date with years of payments, the current balance is {$15000.00}. How can that happen? The servicer ( Navient ) is not supplying information that is promised. My problems are as follows : 1 ) application of payments ; 2 ) the amount applied to interest is higher than they were at the beginning of the loan - principal application is not going up ) ; 3 ) the incorrect manner in which capitalization of arrears is handled ; 4 ) Customer service does not provide information requested ( sent two sheets that were identical - happens all the time ). I am certain this is not an isolated situation.
Dear Sirs XX/XX/XXXX Re : XXXX ( Equifax is worse ) My FICO rating was over 650 in XX/XX/XXXX and early XX/XX/XXXX with aggregate debt of about {$4100.00} My ex wife fraudulently put {$3500.00} on my XXXX card reflected in XX/XX/XXXX which raised the total debt to $ 7600+-from {$4000.00} Thus my score went down to Approx 605 The {$3500.00} was removed in XX/XX/XXXX and score went back to only XXXX although the aggregate was about same as previous ; about {$4000.00} ( i had kept the debt level up to reflect my position as my ex wife was harassing me for money and that I still had debt! ) Since, in XX/XX/XXXX and XX/XX/XXXX, I have paid XXXX down to {$1000.00} and XXXX to {$700.00} for an aggregate total of {$1700.00}, less than one half of the position in late XX/XX/XXXXyet the rating is only XXXX!! My allowable credit with other parties, all clear ( XXXX, XXXX etc ) is {$29000.00} so I am well under 10 % Also paid off 1 of 2 accts in dispute, the other a hospital amount of {$380.00} still in dispute with XXXX XXXX XXXX I am XXXX years old and trying to buy an inexpensive " over 55 '' condo ( {$30000.00} ) in XXXX  county in FL for cash, however the fico destroys my chance with the understated score!! .as they all require a credit report around 650.Most recently in XX/XX/XXXX I was turned down on a purchase as they refuse to read the facts. 
My phone calls to XXXX have met with no assistance or consideration notwithstanding my much reduced credit usage! 
Please give me some assistance in this matter so I can have a home which I can afford Yours truly XXXX XXXX E-Mail XXXX Present residence - XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( with a friend ) Tel ( XXXX XXXX XXXX
Bank of America sends me checks in the mail each month as part of a promotional effort to reduce credit card rates. I have told them that I do not want these checks sent to me, and they continue to send them. How can I get them to stop?
XX/XX/2010, I financed a used vehicle with Capital One Auto Finance. The original amount financed was about {$23000.00} with a monthly payment of {$530.00}. I have paid on the account since 2010 and the balance is currently reported at about {$2600.00} after over 6 years. I noticed when reviewing my account that they are applying about 50 % of my payments towards interest despite the fact that my interest rate is about 18 %! For instance, when making a {$530.00} payment ; the report says that about {$400.00} is applied to principal and {$100.00} applied to interest! This practice has gone on for as far back as I am able to view online. There is absolutely no way that this is accurate! They have also reportedly lowered and raised the balance after credit disputes. Their practices are absolutely dishonest and I will be contacting an attorney for review in the next week. I am greatly disturbed by this company and its practices. I then called because the website would not work to get me 4 extra months or even 3 months to add to an auto loan so I called customer service, she was rude and very knowledgeable, keep putting me on hold because she did n't have the answers to my questions. I then received a call from a lady from Capital One Finance office and she said that I would have to pay at least XXXX by XXXX XXXX for them to even consider allowing me to get extra months added to my loan. For my loan to be considered paid in full all I owe is XXXX which is about 4 payments at the regular rate.
XXXX XXXX ( XXXX XXXX ; XXXX, TX ; DBA Supreme Lending ) owns mortgage and buyer escrows funds for property taxes ; however, lender did not pay 2014 city and county property taxes on time. Result is XXXX XXXX tax liens in my name, public records of liens, and record of tax liens on my credit report. 
I am not the homeowner who has an account with the lender. I sold the property to their customer. I paid my portion of property taxes at closing and had no legal obligation to ensure taxes were paid. However, due to county process, my name was still on record as homeowner. I learned of late payments because I coincidentally ran a credit report.
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove UNKNOWN XXXX, UNKNOWN XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  , XXXX XXXX XXXX
I just discovered today a hard inquiry from over a year ago. Its origin and relationship to me is dubious and since it is not showing on XXXX XXXX, I am wondering if this could be a security breach on the part of Equifax. I am enclosing a copy of the letter I drafted and sent to Equifax.
On or about XXXX XXXX, XXXX and XXXX XXXX, XXXX, I disputed a XXXX debt in the amount of {$2200.00} on my credit report Account # : [ Acct # XXXX ] asking that the credit bureaus show validation of this debt that I owed it, without sending me a viable evidence I indeed owe this debt. XXXX send me some kind of an agreement, which had not a signature. Since the CRA have posted the debt on my credit report, I have the right to verifiable evidence this debit belong to me.
Wells Fargo advertised a {$250.00} promotion for new checking accounts. I opened an account during the specified timeframe, made the requisite opening deposit and established a direct deposit to meet the qualifications for the {$250.00} promotion. Through a series of emails, Wells Fargo, first confirmed that I qualified for the promotion and would receive the funds in 45 days. Then after the 45 days past and no evidence of the reward, I contacted the Bank inquiring about the issue. A different customer service representative indicated that, now, I did not qualify for the promotion. Recent communication with the Bank, reversed course again and indicated I did qualify but would need to send my tax id number ( although they acknowledge they have my social security number which is my tax id number ). Then, the representative said once the Internal Revenue Service confirmed my tax id number, they would revisit my eligibility for the reward. I have never been subjected to confirming information with the IRS to receive a reward with other banks like XXXX who offered similar promotions. <P/>I have also never communicated with a company with such inconsistencies and resistance to awarding a customer for something they clearly qualify for.
Did online dispute for Experian for XXXX XXXX as creditor I owe. I informed them the creditor listed was included in my Chapter XXXX bankruptcy. They refuse to update and sent back a correspondence that says the balance is correct, and the account is still pass due. i even forward a hard copy of Bankruptcy documentation. They still refuse to acknowledge and list the correct amount at the time the bankruptcy was file, and still listed for over 19 mos. since bankruptcy has been in effect. In below attached document was sent in which list all creditors. XXXX who represents XXXX XXXX still list debt as if I am not taking valid claim and is past due
After posting my furniture for sale ( for XXXX dollars ) on XXXX, i was contacted by a potential buyer who sent me a check for an excessive amount ( 2000 dollars ) and wanted me to wire the extra money ( XXXX dollars ) to his bank account as a fee for the moving company. 

After i deposited the check at a counter in Bank of America, my account showed the transaction as " Processing ''. After 24 hours, this changed and the funds became available. With this assurance of availability of funds from BOA, i went ahead and sent the wire transfer to the guys moving company via money gram. 

3 days after this, BOA got back to me stating that they are having to deduct the funds they credited to my account as they were unable to clear the check. They are holding me responsible for the fraudulent check. 

If they had n't cleared the check that i deposited at their counter after 24 hours, i would not have sent the wire transfer. At the very least, they should have informed me clearly ( not via some invisible fine print ) that the check has n't cleared yet and would take 4-5 days for final deposit instead of making the funds available without any caveat.
XXXX XXXX XXXX purchased a collections account from XXXX XXXX XXXX XXXX, who bought it from XXXX XXXX, on XX/XX/XXXX. The purchased electronic files that does not include any contract or any other identification. I have asked for copies of all documents XXXX XXXX purchased on this account and have not received them. XXXX keeps fraudently reporting this account because they do not have the documents on this account. The keep telling me they are ordering this from the original creditor and have not and it has been beyond 30 days required by law for them to respond. I explained to them this account is not mine- I did not open it and they can not not even show proof of when it was opened. I am demanding that this account is removed from my credit profile immediately- I have filed multiple reports through the Consumer Federal Protection Bureau and they continue to send me the same few statements they have and not the full documents I have requested. The most recent letter they sent on XX/XX/XXXX said to call them to request copies of payment history when I called that same very day and requested this information verbally as well as through the Consumer Federal Protection Agency prior- They are ignoring my complaints on Purpose and does not have the documents needed
I bought a XXXX Chev Malibu with about XXXX miles on it from XXXX XXXX XX/XX/XXXX that was sold to me deceptively.The salesman XXXX lied to me about what was wrong with it a When I asked about a concern during the test drive, he lied about the number of owners the had stating that the car had just been traded in a couple of hours before I came in to buy the car by an elderly couple, hence the low mileage and failed to tell me that they, XXXX XXXX had made a repair to the transmission in XX/XX/XXXX.3-4 mos.later the car stopped working totally and needed new transmission.After abt 2mos of back and forth with gm and the dealers owner giving me the run around and just not wanting to help even though they were deceptive, I had to pay XXXX and was reimbursed XXXX.I should not have had to pay anything.i was without a car for almost 2mos.After practically begging the dealership I was given a loaner 1 day before my car was repaired.Im a single parent and having to pay to get around for almost two months and having to come up with that much money was like having to come up with a XXXX.Gm decided to make arrangements after almost XXXX mos.They initially refused to due to the loan being too new.They financed a car that was sold to me deceptively and put me through so much to finally give me arrangements.This issue caused me to fall even further behind on other bills including my mortgage in which I had to get modified around the same time frame of XX/XX/XXXX.I have a mortgage that I have fell behind on now again and it 's going into default again.gm reposessed the car on Mother 's Day because it was 3 mos behind in which I thought that it was 2mos behind.im a single parent and I am employed.I have household bills, mortgage, tuition, my daughters graduation, a daughter in college and it 's has been impossible to do everything because I have not been able to catch up due to their car needing a new transmission and all of the other financial strains that caused me.Its not fair and I would like to know if there 's anything that can be done because I was deceived and it has caused everything in my life to go downhill financially including my health.I will take any advice that can be given.thank you
Walmart/synchrony bank account XXXX. Opened XXXX. My acct was closed on XXXX 2011 because it was delinquent then in XXXX I set up a payment plan of XXXX payments of {$100.00} every two weeks to pay off my credit card debt. My credit reflects that the account was charged off and sold to a collection agency. This debt was paid in full and should have revered been sent to a collection agency. This account is reporting inaccurate information and I would like it to be removed from all XXXX credit reports. I will follow up with a complaint to the Florida XXXX and the Florida office XXXX for a complete investigations and account records.
I am not even sure of this information. I didn't even know they took over my loans. I never had XXXX XXXX either. I spoke to them once, was put on a forbearance, and never heard from them again. That is until this month, when my social security XXXX check was short. I guess they were able to take my money that way. I am in XXXX, with XXXX, who previously had my loans, or so I thought, I never had an issue.
On XX/XX/XXXX I got a charge of a XXXX XXXX XXXX XXXX that was not authorized on my account usdirectexpress giving me the runaround saying they're not a bank and they can't really do anything I filled out the form they sense 180 days they haven't given me my provisional credit and they're lacking customer service skills I called 3 times just to be bounced around by different departments I filled out the form and I mailed it back to them still no provisional credit the bill was {$130.00}
XX/XX/2015 I closed on a home using a conventional mortgage loan with Wells Fargo. My loan started reporting to credit bureaus that no payment information is available until XX/XX/2015 but reported as a conventional mortgage loan. Then it changed my conventional mortgage loan to reporting as a regular loan so it looks as if I have a huge personal loan out. This does n't show that I have variety of loans so it 's not benefiting me at all with my credit. I disputed the situation for the date of payments not showing correctly because there is proof and information that can be reported before XX/XX/2015 and also that my conventional loan is not reporting as such. Wells Fargo contacted me and I was told things were back correctly reporting and I would be sent updated report. I did n't receive an update of report. My credit report did for 30 days report my conventional mortgage correct but never did anything about accurately reporting my payment history information from the start which is XX/XX/2015. Then it went back to reporting partially incorrect ever since. It is a frustrating situation. I want to apply for a credit card but with things not correct with Wells Fargo reporting my credit I 'm not in the best situation to get the offers I may could obtain.
A few years ago I started getting phone calls and a monthly bill from XXXX XXXX XXXX XXXX, XXXX. I asked the person who called me, who was the creditor, and they could not verify my questions. The original creditor is HSBC BANK NEVADA , N.A . They are telling me they can sue me and turn me into the credit reporting agencies. I 'm confused because I am paying my student loans monthly to the department of education. I did send in a payment a couple years ago. It never got taken off my balance nor did I get a receipt for it. So I have not sent any more money to them. They have pre-approved me for a discount in this letter. Their are XXXX different company names on this letter. I sick of them sending me letters and calling my home phone number. I feel like they are not who they say they are and I feel like I 'm being harassed by them.I honestly think these are not the right creditors and they are trying to scam me out of more money. I do have some unidentified things on my credit report and that is how I came to your site and seen you guys were investigating this company
On XX/XX/2017, I filed a dispute with TransUnion in regards to an account that was being reported negatively. I have been seeking validation on this account for over 2 years with no physical proof that this account has been verified. TransUnion simply stated " Verified as accurate '', yet I have not been provided with any such documents by TransUnion proving this to be true. TransUnion has continually failed to show actual proof of the original documents of a signed agreement that was used in the alleged opening date validating the account belongs to me.
I receive 5-6 calls a day from this company stating I owe a debt from an XXXX wireless phone bill. I have told multiple people that I do not owe this bill. I settled the account And paid it off in XX/XX/2012. I have asked this company to send me a formal letter so that I can respond with proof I paid this off. I received a copy of a random bill with nothing else stating they were collecting on this debt. I have called multiple times and ask that they mark this account as a dispute. I have provided proof this was paid in XXXX so 5 calls a day is a little excessive.
Harbor Front Aquisitions stated that they were attorneys trying to collect on a payday loan. They also disclosed the debt without verifying they had the correct party. I had lost my job and did not have any money to put anything on file. Told them on second call that I could put something on file but that it would have to be for a month out as I just started a job. They wanted me to call back and put {$100.00} on file. The XXXX representative was very rude and harassing. I felt very worried about how I was being treated. It was the XXXX time I had talked to anyone from there. I did not refuse to pay but they are trying to submit me for legal action. I was told that they were working for attorneys but I have never heard from the office that owns the debt.
XXXX XXXX has been sending me inaccurate credit scores and report through my email and their website XXXX XXXX XXXX XXXX. 
XXXX XXXX company has a business partnership with Transunion and XXXX Credit Reporting Agencies only and not with XXXX. 

On XX/XX/XXXX I received a Transunion  alert verification and Notification from XXXX XXXX that my XXXX XXXX XXXX Auto Loan account # XXXX has been placed Current and Deliquency and 30-60-90 days late has been removed and deleted by XXXX on XX/XX/XXXX. 
XXXX XXXX implemented a recent XX/XX/XXXX Transunion credit score of XXXX. 
But XXXX XXXX hasn't displayed the same information and credit score with XXXX. 

Also, XXXX XXXX is not displaying XXXX XXXX XXXX XXXX XXXX XXXX of a merchandise credit of XX/XX/XXXX till Present.I have been making timely payments since XX/XX/XXXX till Present. 
I made contact directly with XXXX Credit on XX/XX/XXXX on my account # XXXX this account is only displaying with XXXX and XXXX XXXX stated to me on XX/XX/XXXX around XXXX XXXX California time that XXXX XXXX sends verifications to XXXX, Transunion and XXXX. 

I been having many issues with XXXX XXXX with their inaccuracy credit reporting alerts and not reporting accurate credit scores. 

I am XXXX Lifetime, XXXX and a XXXX XXXX XXXX XXXX XXXX. 
Respectfully XXXX XXXX are supporting our XXXX XXXX and Citizens in the community of America. 
I am going through a VA Loan and purchase process in Florida and need accurate information what has been implemented on this complaint. 
Is XXXX XXXX violating my XXXX XXXX Civil Rights Act under Department of Justice? 
Very Urgent Matters!
These representative called and told me I was facing court charges if I did not pay ASAP. So, I scheduled payments. i believe they were lying and misrepresented someone who they are not. This company is Portfolio Recovery.
Company not sending written communication. Address verified and email address verified. Claimed several documents were emailed and mailed XXXX yet I have not received anything but a dispute form to fill out to my email address. Missing documents include XXXX debit card, XXXX pin numbers, XXXX documents regarding the dispute ruling and status.