WillisBack/dataset-financial-user-claim huggingface dataset:
I was going over my credit report and saw that a company pulled my credit 3 times and they had no authorization to do so. This is illegal and is a violation of my privacy. This has also had a negative impact on my credit and is causing the process of obtaining a mortgage loan to be a bit more difficult.
On XXXX XXXX, 2016 Barclay Bank Delaware on XXXX XXXX, 2016. I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit. I am getting the run a round. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury.
I am a victim of fraud and have submitted all paper to XXXX in regards to " Defense against Repayment '', for my federal loans.I am a graduate of XXXX 2009.My loans are thru Navient account # XXXX.I am current on my " private loan '', my federal loans are in deferment.My complaint is against Navient.After countless hours of research I was never notified by Navient that I was eligible for a class action law suit against XXXX.It is my understanding that my lender Navient should have notified me.I have called countless times in regards to information about XXXX and it is unexceptable not XXXX representative has any idea of what I 'm talking about.i have asked for assistance with private loan and have been told " what can be done has been done '' interest only payments '' XXXX a month .A loan that has grown from XXXX to XXXX.since repayment in 2009.I am gratetful that XXXX is getting what it deserves as I am a victim of misrepresentation that has destroyed me financially.I am XXXX in debt based on lies and fraud.I am requesting that Navient educate their representatives and if a class action suit is available against XXXX, I should have been notified by my lender Navient.I thank you for your time and any assistance I can get to pursue discharge of this fradulent loan Thank You, XXXX XXXX
I initiated a wire transfer in the gross amount of {$10000.00} ( {$9900.00} net after fees ) to my XXXX XXXX checking account on XXXX XXXX, XXXX. A domestic wire transfer should typically be completed same day or next business day. It is currently XXXX XXXX, XXXX and I have not received my wire nor a response from Coinbase. I have not been able to pay my rent as a result and am facing eviction charges. Furthermore, Ive been charged several overdraft fees from my bank, and I can not see a doctor for a XXXX XXXX that I have developed.
OnXX/XX/XXXX I called XXXX XXXX Credit card that I overpaid my bill by {$310.00} and I requested to send me my money back - I should receive check from 7-10 days. 
I called XXXX XXXX card again after 16 days on XX/XX/XXXX and I've told representative that my refund check didn't show up yet. 
He offered me to cancel first check and issue new one after 7-10 days. 
After 14 days on XX/XX/XXXX I called XXXX XXXX Credit Card and I asked them to check what did happen to my second refund check? 
XXXX XXXX Credit Card representative told me that currently they are working on fraud case to determinate who took my check and my money from my account? 
So I won't get any money until the case is closed. 
They didn't give me case number and they took money from my XXXX XXXX Credit Card account. 
Would you please help me to force somehow XXXX XXXX Credit Card to refund my overpaid amount {$310.00}? If I own them money they charge me late fee {$35.00}, when they own me I should charge them {$35.00} but I can't. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 's account : XXXX
During my XXXX billoing cycle, BofA charged me {$30.00} in interest, even though I paid the previous month 's balance in full, as shown on the XXXX billing statement ( attachment ). This is my first inquiry. 

Also during my XXXX billing cycle, Bank of America issued me a credit of {$10.00} for a fee they waived from my account. Therefore, at the end of the billing cycle in XXXX, I paid my full balance minus {$10.00}, assuming that the {$10.00} refund would apply towards my account balance. 
However, in the XXXX statement, I was assessed an interest charge of {$31.00}. When I called Bank of America to ask why, they said that I had underpaid by {$10.00} because the {$10.00} refund of the fee did not apply until the next billing cycle XXXX. My second inquiry is this : if the {$10.00} appeared on the XXXX statement as a credit, how can they not apply it toward my outstanding balance? I believe this is deceptive. 

I then asked how a {$10.00} underpayment could lead to {$31.00} in interest. They told me that underpayment on the account causes any purchases after the underpayment to be considered part of the average daily balance, even if they are part of the current billing cycle which is normally subject to the usual grace period for payment. This is the third inquiry. This explanation does not make sense to me, nor can I find it documented in the Terms and Conditions of the card. Extended questioning of over XXXX minutes with the customer service representative also did not yield any clear answers - they just kept referring me back to the Terms and Conditions.
Fraudulent check cashed on my checking account for XXXX dollars. Can not access my credit report and look for further fraud. Unable to speak to a live person. Unable to place fraud alert for same reason.
On XX/XX/XXXX, a background check was done on me by First Advantage ( XXXX XXXXXXXX, XXXX, XXXX ), requsted by XXXX XXXX XXXX and by XXXX XXXX for employment purposes.Over the next couple of weeks, I received letters for First Advantage saying they are reporting public record information concerning me to XXXX XXXX and XXXX XXXX.The paperwork said I was XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX. It list the XXXX XXXX XXXX as an XXXX XXXX, when in fact, it was an XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX, that I XXXX XXXX to, on XXXX XXXX. There are various conditions you have to comply to, as a part of the XXXX. In the state of North Caolina, if XXXX of an XXXX XXXX and if XXXX XXXX called for XXXX, you are placed on XXXX XXXX or XXXX XXXX, which can be supervised or unsupervise XXXX.I was on XXXX XXXX XXXX and sometime in XXXX, I weren't able to keep up with my restitution payments as required by my XXXX conditions. My XXXX was XXXX because of this and given a XXXX XXXX by my XXXX XXXXXXXX because the XXXX   had to hear the issue of me XXXX XXXX XXXX of my XXXX.It was reported by First Advantage to above employment agencies that i was XXXX XXXX XXXX XXXX in XXXX, when in fact it was just a hearing to determine whether the judge would revoke, or modify my XXXX because iI couldnt pay my restitution.So the report is inaccurate and caused me not to be able to get employment with these companies. I expressed my concerns but they told me it was correct and told me to go to my local court. My next step is federal court with an lawsuit, but have to follow the proper channels first. All I ask is for this to be corrected or I will pursue legal proceedings in federal court.
I was approved for  XXXX  dollars of line of credit from capital one but ca n't receive it.
I was called at about XXXX XXXX today, XXXX/XXXX/XXXX, regarding a XXXX XXXX account issued by Comenity Bank. I told the phone rep that I was woken from a dead sleep, confused, did n't understand what she was saying, and asked to be called again in an hour. She refused. 

Looking on their web site later, it appears that the bank alleges I paid the balance of {$57.00} in full on XX/XX/XXXX, four days after the late fee date of XX/XX/XXXX. My memory is of paying the full amount, in person, at the store. So there should not be a continual series of escalating late fees. I 'm not making a legal argument, but from a common sense viewpoint this is usury. 

I believe I did make a compromise offer on the phone this morning, as did the telephone representative, but we did reach agreement on an amount. And this was after I had said I was tired and confused and did not understand. So even though I stated, on a recorded call, my compromise offer, I do n't think that should be the starting point for any future negotiation. Instead, the bank should apologize for waking me and close my account as of when I paid the then-communicated-to-me full balance of {$57.00}, since I have made no further charges. 

I asked the phone rep to close my account this morning. The rep refused on grounds that they wanted to continue to add to the late fees. After the call, we went on the web site and confirmed the account is still open.
Convergent outsourcing/ XXXX fraudulent account is reporting a collection on my XXXX credit reporting XX/XX/XXXX I submitted a police report and identity theft dispute pursuant to FCRA 15 U.S.C. 1681-c2 identity theft states the credit bureau and debt collector will delete the account and stop it from reporting within 4 business days. Both XXXX and convergent outsource willfully violated the FCRA Act.
Initial purchase with Synchrony XXXX days later found out my sister was used as joint. I gave information to use her as a reference only. I went back to the store to have account financed with XXXX and to have my sister removed as joint on the account. Paid XXXX to do this with XXXX XXXX. I have papers showing purchase and credit to Synchrony XXXX and papers with new company. I have provided these items to Synchrony XXXX and they are refusing to credit account back and remove my sister off the account as she did not authorize to be joint on account. She was not present for the transaction. Also now they are reporting me late to the credit bureaus. 


Synchrony XXXX credited the account back in XXXX XXXX XXXX and updated my credit report and my sister 's creed report. Now as of XXXX XXXX, XXXX, Synchrony XXXX has changed my account balance back to what I was disputing and they have reported me 30 days late!! I did not provide documents since I recently provided them to Synchrony again on XXXX XXXX, XXXX.
RMS ( aka Reverse Mortgage Solutions, XXXX, TN ) periodically tries to find ways of putting our contract in foreclosure. Most recently an attempt was made to justify this behavior by claiming that our home had been uninsured. First we where asked to prove that we had hazard insurance. Have you ever heard of homeowners insurance that didn't include hazard insurance? Our insurance company supplied the necessary proof. 
Then they came back with the claim that we weren't insured in XX/XX/XXXX. Again our insurance agent supplied the necessary proof. 
Two weeks later we received a certified letter informing us that we were now in foreclosure. 
We contacted the mortgage company on a conference call with our insurance company who informed RMS that they had sent all relevant proof by fax. The relevant proof has been sent again. It should be noted that the foreclosure document is dated XX/XX/XXXX. It was received XXXX. 
It made no sense to us the RMS would try to foreclose on an insurance detail that occurred in XX/XX/XXXX and that had never before been raised as an issue. 
This company has demonstrated a pattern of creating pretexts for harassment. 
It needs to be stopped and brought to the attention of relevant regulatory agencies.
On XXXX/XXXX/XXXX we were told by XXXX XXXX at TJC Mortgage Inc, via email that we qualified for 3.25 % fixed and to skip XX/XX/XXXX and XX/XX/XXXX payments and we would receive {$1900.00} in escrow. This was our whole reason to refinance our VA from 1.75 ARM to a fixed rate, the large escrow and the skipping of two months. Our pymt would go up but we would be able to pay off other items with the XXXX that we were told we would receive. On XXXX/XXXX/XXXX I sent XXXX the email and a copy of our mtg loan transfer and he said " it would have no affect but to send the letter so he could get the updated payoff '' via email. ( at this time he would have been CLEARLY aware that our previous mtg holder paid the insurance with the escrow. I found out XXXX XXXX, XXXX XXXX I was sent a late pymt notification from our previous mortgage company and at that time I asked about the escrow account and they told me it was paid on XXXX/XXXX/XXXX. However, XXXX or TJC Mtg did not inform us of this change and proceeded with the closing while knowing we were under the assumption of receiving this {$1900.00} in escrow. They sent several emails over and over again that had the exact same information to sign electronically but they failed to include the fact that the escrow or Insurance had been paid therefore we would only get to skip two payments. We would NOT have moved forward with closing and I 'm sure they knew this and that 's why it was NOT mentioned. Instead of the {$1900.00} we got {$250.00}. We did not close on this until XXXX XXXX, XXXX so they were CLEARLY aware of this and no one brought it to our attention. We would not have moved forward for we still had an additional year for our 1.75 % and would have been able to pay off more principal on our home. Instead we were deceived, they got a new mortgage ( so still making money off of us ) and we our out the {$1900.00} and we have a {$200.00} per month higher payment which is odd because the numbers he quoted at the beginning actually went up and our house was less to pay off and the escrow was paid in full on XXXX XXXX, XXXX. So I 'm not sure why it 's about XXXX per month higher than he quoted us in the first place. We understand refinancing number will be off a little, but knowingly withholding information such as the escrow ( because they lure you in with this! ) is deceiving the payee, me.
XXXX complaint, NO competent action taken from chase bank corporate lawyers. Chase is regulated to protect 2 months of my VA XXXX. Spelled out in countless laws. Especially XXXX XXXX. XXXX veteran XXXX protection act. XXXX NEW treasury dept rules, because of the cryptic loopholes created. No inconsistent state law preempts federal laws. NOT to obvious is it?! # Plus minnesota law does NOT garnish veteran benefits. Obvious exemption. The real issue is malicious lying welfare clerk XXXX trying to obscure and manipulate state and federal laws to cheat and harass me. THIS infamous deceit and collusion from XXXX XXXX minnesota is irrefutable, dates back to their reckless grossly inapt kangaroo hearing in XXXX. ALSO obvious these XXXX are required by state law to send chase bank a current court order that stipulates payments, AND spells out I NO longer owe any child support as of XXXX. CRYPTIC SEMANTIC DECEPTION, ACTIONABLE TORTS IS SUPPOSED TO BE REVIEWED BY SOMEONE COMPETENT AND QUALIFIED IN HARASSMENT LEVIES, INAPT GARNISHMENT ORDERS CONTRADICT STATE AND FEDERAL LAWS. To date some generic clerk from their presumed chase executive office calls me, gives me some sloppy excuse, their legal dept is looking into WHAT?! # Are they that stupid and ca n't see this is illegal and cryptic harassment?! # Bottom line is they are required to protect my [ 2 ] months of direct deposited VA XXXX. NOT blunder, and enrage me with incompetent stupidity. ANY phony obscured judgement requires scrutiny!!!!
In XXXX of XXXX I was offered a forbearance loan by XXXX XXXX then in XXXX of XXXX I was transferred to XXXX XXXX for a loan Modification, now I 'm working with XXXX XXXX as of XXXX XXXX, all with the LoanCare Servicing company. In XXXX California passed a law that the loan servicing company had to provide you with a written letter that your loan modification servicer was going to be changed to a different person. I have been tossed around by XXXX different people and each has a different answer to any question that I ask. I 'm being told now that my final loan medication will take 90 days to complete during which time they will continue to report my loan to the credit bureau as being late. I have made all of my forbearance loan payment and trial loan modification payments on time and yet I 'm continued to be punished by them. This has caused my credit to be greatly effected. And I demand someone look into the practices of the LoanCare because every call to them yields a different answer.
In XX/XX/2018, I submitted income information to XXXX XXXX for my husband and I. We both have student loans and both are serviced by XXXX. With our income driven repayment plan, the payment amount is supposed to include our combined debt with our combined income. My husband 's monthly payment went up slightly, as expected with a slight increase in our income in the last year. My monthly payment more than doubled from {$250.00} to over {$500.00}. When I contacted XXXX, it appears that while my husband 's was calculated correctly, mine was not. It did not include the combined loan debt and combined income in the calculation. I spent over an hour on the phone and it will take several weeks to get resolved. I work in XXXX XXXX and am very familiar with the process and knew what our estimated combined monthly payment should be. For someone not as familiar, this mistake could result in someone not paying their loans or not knowing how to proceed or what questions to ask. I encourage all student loan borrowers in income-based repayment to be aware of the recalculations ; if your income increases slightly, your monthly payment should correlate.
To Whom It May Concern, The reason for me filing this complaint is due to IC System Inc failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA
I was given a payday loan for XXXX $ they initially said I could have XXXX $ but I had to refinance on the speedy cash app for the additional XXXX $? which at first there was no way in app to refinance but later it appeared. 

After that I was charged a cab fee for XXXX $ which was paid by XX/XX/2018 total amount due XXXX $ subtracted XXXX $ which was XXXX $ and XXXX $ fee was due by XX/XX/2018 on XXXX XXXX. 

So, I called them a few days later today because there was another cab fee for XXXX $ added to the total amount due XXXX $ wich is two weeks early! I told the customer service on the phone to reduce the total XXXX $ to XXXX $ so I can pay it when I get paid. 

She wouldnt listen and did not agree to take off the fee! And then I said you are ripping me off and that I was filing a complaint. 
And I hung up.
Citi offered me XXXX XXXX XXXX miles for opening a Citigold checking account and fulfilling certain account requirements. I met those requirements and even got confirmation from a Citi representative through a chat session that I had met the requirements and would receive the bonus by XXXX XXXX. When I contacted Citi a few days ago, they told me that I am not eligible for the bonus.
I applied for a MasterCard through Barclaycard bank in XXXX of XXXX. On XXXX XXXX, XXXX, I received a letter from Barclaycard confirming my eligibility to receive XXXX ( XXXX ) benefits. The letter stated that the following terms would apply to my MasterCard Gold Card account as long as I was on XXXX XXXX. 
-The Annual Percentage Rate ( APR ) for all balances have been lowered to 0.0 % -All transaction fees, if any, will be waived -Any transaction fees and finance charges applied since your XXXX XXXX start date of XXXX XXXX, XXXX will be credited back to you. 
On XXXX XXXX, XXXX, I received a letter from Barclaycard stating that they reviewed their Department of Defense records and discovered that my account is not eligible to receive the protection under the XXXX but they extended certain benefits to my account based on their policy. The letter goes on to state going forward Barclaycard will no longer waive the annual fee for my account and as a result a charge of {$990.00} will be appear on my statement in XXXX XXXX ; however, the 0 % APR and other fees will still apply while I 'm on XXXX XXXX.
I paid off my mortgage in full on XX/XX/XXXX. The bank stated I would received the funds in my escrow account in 15 days. Today is XX/XX/XXXX, 15 days later and I have not received any funds. In fact the bank had not even begun the processing the return of the escrow funds until after I reminded them. Bank continues to discriminate against me by giving me a hard time at every turn, failing to abide by what they promise and not caring at all when repeated mistakes occur.
We have a loan with Wells Fargo Dealer Services for a used car. They have reported to the three credit bureaus that we have made six payments that were over 30 days past due. The credits reports show we were over 30 days late XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX This is not true at all, as we have never been OVER 30 days past due on making a payment. I have called Wells Fargo Dealer Services and spoke with them about this reporting issue. I was told that they would fix this reporting issue, and get our reports changed to show that we had not made any payments over 30 days late. This has never happened. We also disputed this in writing with no change. This is causing us to have serious credit problems, and keeping us from buying a home. If this does not get resolved we will contact a lawyer.
My local bank sold both our primary house mortgage and our investment refinance to Ditech. Since then, Ditech has continuously misallocated our payments, added extra money on to our principal amount, and failed to correctly record payments. We have been enduring this nightmare since XXXX 2016 and it has gotten way worse since Ditech changed its payment system. Now there are continuous errors. We just looked at our principal balance and they have just added over a XXXX dollars to the principal in spite of our regular timely payments.
to whom this may concern my identity was stolen and the thief try to apply for several credit cards using my social security number and my name I did not authorize this transaction they have totally ruined my credit score it has calls such a major heartache on me financially and  mentally can someone please assist me and having these removed from my credit this was put on there as a hard inquiry and I would like to have that hard inquiry removed please I would very much appreciate some assistance Creditor Contact Details XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Creditor Contact Details XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Creditor Contact Details XXXX Inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
I opened my account online with a promotion that stated that if i opened an account and deposited a minimum of {$50000.00} there would be a {$600.00} dollar promotional credit. 

I have contacted Citi multiple times and have not been given a clear answer as to when i should expect the {$600.00} dollars to be credited.