WillisBack/dataset-financial-user-claim huggingface dataset:
I had {$4000.00} of fraud on my account, XXXX XXXX. I have called my creditor 4 times, and they told me that they would have it removed at the conclusion of every customer service call, yet it still shows on the account, and at this point the same charges are actually showing up again, after they were removed, twice.
I missed a mortgage payment for XXXX 2015. Once I realized this on XXXX XXXX 2015 I sent both XX/XX/XXXX and XX/XX/XXXX mortgage payments using my XXXX account. 

US Bank has reported that I was 60 days late on my mortgage and not 30 days late as was the case. I have called several times, disputed the item with the credit bureaus, had my attorney send them letters requesting correction, had a credit repair firm dispute the item several times, and finally I have written a letter to their dispute department requesting this item to be removed. As of yet US Bank has not corrected this erroneously reported information.
My debt was paid by XXXX banks/XXXX and XXXX. PayPal continues to lock my account and it is restricted in order to collect this debt again. I was told by XXXX bank that they communicated with PayPal regarding this transaction. PayPal refuses to acknowledge any payments or communication from XXXX bank. Now both are refusing to give me any paper work to backup their accusations. I have disputed information from PayPal that is incorrect into records. PayPal refuses to correct anything other than change my old phone to my new number. This item was paid to PayPal twice.
In XX/XX/2018, I had my loan service switched from XXXX XXXX XXXX to XXXX in order to be eligible for loan forgiveness via income driven payments. The first payment that was due in XXXX was applied by a XXXX representative, over the phone using my credit card. After that first payment, I started to make payments online. All of my payments have been paid on time, actually early, and I always pay the full amount of {$370.00} and apply the payment to all loans. All of a sudden, in XX/XX/2018, I received a message that I had a past due amount of {$50.00}. That's impossible when I consistently pay {$370.00}, on time, every month. So I called the company to ask why I owed {$50.00}. I talked to two different representatives in which I did not get clear answers. Then I receive an email saying that I over paid on one of my loans. Which again is impossible because I consistently pay {$370.00} on time every month and apply the amount to all of my loans. I don't pick which loans to pay on. I call the company a second time and a lady says she would submit a request to have my payment reapplied. The next thing I know, my loan status is now in forbearance. Again, I call the company asking how and why I am in forbearance. I was told I asked for forbearance, which I didn't. I explained to the representative that I would not ask for forbearance because the sole reason for switching to XXXX XXXX was to be eligible for loan forgiveness. Accounts in forbearance are not eligible. During this phone call, two representatives go back and forth trying to figure out why I owe {$50.00}. They then end up telling me I paid on all my loans except the one that is past due and that I asked for forbearance. I then told them that was not the case and there must have been a misunderstanding somewhere in the phone call with the last representative. I tell the representative to take me out of forbearance. She said she would and then transferred me to someone else to make a payment of {$50.00} which I wasn't going to pay. I ask the next representative, again, why do I owe {$50.00}? She ended up saying she did not know and that it was confusing since I have been making appropriate payments, so she submitted another request to fix my account. Now, for the month of XXXX, it still says I owe {$50.00} plus the regular {$370.00}, but there is no past due message. I also notice that I do not even see that my past payments were credited to my qualifying 120 payments for loan forgiveness. I just need answers, I need my account status to be corrected, and I need my payments to qualify.
Bank of America is reporting my old account as " late '' XXXX. This account was paid in full. They were reporting correctly and then erroneously changed my reports.
I had terrible service and experience with XXXX when I lived in AZ. Many times I wish I could have to cancelled this service and change providers however XXXX had a contract with the renting complex where I lived. Personally I feel that was leverage for the company to not provide better service. When the time came for me to move, I immediately cancelled my service and was advised that I can the return cable box with the front leasing office to pick up from UPS ( which I did ). I do not have the cable box or subsequent service with XXXX. I am so frustrated because many times I paid for service when it was not working with XXXX, and when they tried to charge me for not returning the box or returning it late, I would not pay it out of principle for their poor service. There should be many calls/complaints on record of my experience with XXXX. I would like to have this off my credit report asap.
I am writing this complain in regards to claim Wells Fargo 's promotion credit. As per Wells Fargo 's previous Promotion in  XXXX  2017, customers who open an Everyday Checking that can meet the designated requirements will receive a {$250.00} bonus credit within 45 days of the requirements being met.
 XXXX 
I opened my Everyday Checking account online on   XXXX   XXXX  , 2017, and immediately received an email from Wells Fargo confirmed that my new account was eligible to receive a bonus offer. I have credited {$250.00} to my new Wells Fargo Everyday Checking account at opening, and made over 10 debit card purchases within the first 60 days ( Please refer the attached ). In addition, I have also contacted Wells Fargo Customer Service Representative by phone for the same issue for many times, even though they all confirmed that I have met the requirements to receive the {$250.00} bonus credit, but they NEVER credited me. It 's been almost 4 months since I opened the account at Wells Fargo, I 'd like to report this issue, and make Consumer Financial Protection Bureau aware of this fraudulent offer from Wells Fargo. Thank you.
I have experienced many issues with XXXX who now has my former XXXX XXXX XXXX loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation on XX/XX/XXXX with XXXX that my current home loan with XXXX  XXXX # XXXX is reporting past due payments on all credit reports. XXXX told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX XXXX XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.
On XXXX XXXX, I purchased a refrigerator from the sears online outlet. The cost of the refrigerator was {$1400.00}, the fee to deliver the refrigerator was {$380.00}, I also purchased a protection agreement for the refrigerator for {$490.00}. All of the charges related to the purchase of this refrigerator, total {$2300.00}. All of the charges were processed and I have been billed for them on my Sears credit card, but the refrigerator was never shipped and therefore, I never received it. 
I have called the outlet store in XXXX, Michigan ( XXXX ), that processed all of the charges, but failed to ship the item, multiple times. I have called the bank that manages the Sears credit card, multiple times ( XXXX ). I opened a dispute with the bank that manages the Sears credit card, and I have finally received a credit for {$1500.00} for the purchase price of the refrigerator, including tax. And I have finally received a credit, for the {$320.00} delivery fee, that I was charged for delivering that same refrigerator, that was never delivered. But the dispute was closed without giving me credit for {$490.00}, for the protection agreement that I purchased to protect the refrigerator, that I never received. I have nothing to protect! 
I do not have the refrigerator, a credit has been issued for the refrigerator. Because the refrigerator was never shipped. 
I have been credited for the delivery fee, since nothing was delivered. 
For some reason, Sears and the bank that manages their card, continue to bill me {$490.00} to service a product that I do not have. I need to be credited for the protection agreement.
Robocalls about PHONY legal and/or debt problem from  XXXX  TX exchange - many times a day to our business phone line.     No one at the  XXXX  or  XXXX   XXXX   XXXX  to talk to.
My checking account was closed by my bank, because of another person withdrawing money from my account. The bank told me this was a case of fraud, and they give me a 30 day notice that they were closing my account. I had my Social security check being deposited to this account, plus other electronic withdrawals set up to pay my auto and home insurance. Due to their closing my account, I had to call Social Security to get my check sent to my home address temporarliy, and I had to call my insurance company, and get paper statements sent to my home address. Plus, they would not pay out funds on one of my checks, and they also closed my debit card. Since I am now 70 years, all of this has caused me some serious mental issues, wondering how many more problems I will have because of the bank has done to me.
Upon further investigation, I have retained new copies of my credit reports, and noticed that they did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/X/17. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
They place repeated robo-dialed calls to my cellular telephone, sometimes as many as XXXX in one day. Each time I answer, the computer voice asks me to hold while it connects me to an agent. The dates and times of the calls are:
XX/XX/2015 XXXX
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On XX/XX/XXXX I went to XXXX XXXX in XXXX, MD to purchase two mattresses. I was offered a credit application so I tried and was denied. The salesperson explained that the have another payment option through West Creek financial and we are able to do 3 months 6 months or 12 payment options. This would be paid from my bank account ACH withdrawals. We explained that I wanted the 6 month option so I do n't pay as much in fees. He agreed that the less time you have to pay the better. The total came to {$2400.00} and that we had to pay {$190.00} as my 1 payment in the store additional payments for 6 months will be paid biweekly from my bank account via ACH withdrawal. Fast forward 6 months I am still paying. According to my calculations XX/XX/XXXX should have been the last payment. My wife realized that West creek financial took out a payment of {$190.00} on XX/XX/XXXX. So when I got home from work we called West Creek Financial and spoke with the customer service agent. The agent explained that we do n't have a 6 month plan, you have a 12 month plan according to our records. I said you have it here on your pamphlet 6 months and that 's what I asked for. The agent said I have to pay 80 % interest on the total of the purchase for a total of {$4400.00} over 12 months or pay them {$1100.00} today to settle the interest. I told the agent that is robbery and no I did not sign up for that. He explained that he would reach out to the financial department and see what he could do. I thanked him and he said he would call back the next day to tell me or my wife the verdict from finance. He called back spoke with my wife and said the most he could do is lower it to {$930.00} if we pay today. My wife thanked him because he tried, but told him that we are submitting a complaint with CFPB. To date we have already paid {$2900.00} that 's {$470.00} over. That should cover the fees for the 6 months. Please help me with our situation with West Creek Financial in
I recently financed a computer from asset acceptance. I got a few weeks behind. They started calling my phone like XXXX 5 times daily. Then they started showing up to my house. What I did n't know is they are rent a center. Which if i would have known I would not have done buisness with them.That 's false information to get peoples buisness. They are coming to my house banging on my door when I have a door bell. Talking loud enough for my neighbors to hear and trying to embarrass me. I 've tried contacting corporate they are not trying to work with me they just want their stuff back then ill be out of my money I spent.This is how they do consumers in order to make more money.
Focus Financial Management has been calling my place of business " in an attempt to collect a debt '' IT is a robo call they do not have any information, nor have I ever received any communication through the mail. I do not have any unresolved business accounts. They called me this morning XXXX/XXXX/15 at XXXX.
i applied for a capital one credit card and was denied via email, there is no attachment, there is no letter there is no explanation of any kind form capital one. i have talked to XXXX supervisors at c/one and of course they wo n't provide any information. i checked all XXXX major credit reporting agencies and i have credit ratings over XXXX on all three, i pay my small balance two or three days after i receive statements, i just want to know why i have been denied and they are unable/unwilling to give me this information, i believe this is a violation of the federal lending laws, Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, nc XXXX, XXXX XXXX
I have submitted XXXX separate requests for loan consolidation and an income driven payment plan. The 1st request was submitted XXXX/XXXX/16 with all required documentation. Navient said the application 'timed out '. The second request was submitted XXXX/XXXX/16 with all required documentation and I can not even get a response as to whether the application was received or its status. Since the 1st application submission XXXX/XXXX/16 Navient has added {$13000.00} in interest and fees to my account. I have attempted multiple times to get someone on the phone without response.
Ally Financial illegally obtained my personal information, including cell phone number, to call me about a family member 's auto loan. They never identify themselves as Ally, that information was obtained by searching their phone number. 
Ally is contacting others who are NOT related to the borrower.
This number called my cell numerous times ; XXXX called today at XXXX,, XXXX XXXX, 2015 from American Capital asking for my daughter, who is a minor. I do not owe anything. All my bills are paid. I have excellent military insurance that give me a co-pay to pay which I have to do before services are rendered. I have repeatedly made this clear. I keep getting fraudulent calls and placed into collections for co-pays form XXXX XXXX XXXX XXXX XXXX of XXXX on XXXX XXXX. I have called back many times and are being harassed and bullied to pay expenses I do not owe. I have already paid several co-pays XXXX or that I do not owe to stop the XXXX billing practices, bills and phone calls.
Became aware of Equifax breach on XXXX XXXX, Checked Equifax site and found my credit information was compromised. XXXX Put a freeze on my credit at all 4 credit bureaus and a fraud alert at XXXX XXXX XXXX Registered with Equifax and received message to get back to them on XXXX XXXX. Signed up for the " Free '' Equifax TrustedID Premier credit monitoring. 

Have not received any confirmation E-mail, Phone call or letter that I have an account established. Have checked on line at Equifax and the site shows I DO NOT HAVE MONITORING. I have tried every phone number I can find for Equifax ( 5 numbers ) and only the XXXX one is answered. They told me to call the US number ( one of the 5 ).
All are automated to sell products.
I want confirmation that I have " FREE CREDIT MONITORING ''.
I want a phone number for Equifax that is answered by someone in the USA.
I want FREE LIFETIME CREDIT MONITORING.
Can the Federal Government provide a number ( that will be answered ) where I can get a straight answer to my question from Equifax? 

Thank you
I have XXXX accounts for XXXX XXXX Support in Arizona. There are balances on these accounts, but I have paid on-time payments every month. XXXX & Equifax have changed from showing these accounts as " Current : Paid or Paying as Agreed '' to " Account 120 days Past Due Date ''. XXXX still shows all XXXX accounts as current. I have contacted the creditor who told me that I am current on all XXXX accounts. They also said that they are receiving many inquiries from other consumers regarding this issue. They gave me a printout of my payment history for all XXXX accounts, which I sent to all XXXX credit bureaus. I have received dispute results saying that they changed XXXX account but not the other XXXX from XXXX. Equifax shows XXXX as a charge off and no change to the other XXXX accounts. As far as I know, XXXX still shows these accounts as current. I have spoken with XXXX who said that they are just reporting what the creditor has sent them. My concern is that XXXX & Equifax are translating the data that they are receiving from the creditor incorrectly. Nonetheless my credit reports and scores from these XXXX credit bureaus have been significantly affected by incorrect reporting and they do n't seem to care.
on or about XXXX XXXX XXXX, all XXXX XXXX, XXXX and transunion put a collection from XXXX collections acct XXXX, in which i recieved XXXX XXXX XXXX XXXX i provided a written dispute and validation from the collection company according to the 30 day response requirement asking for written proof regarding this acct..dated XXXX XXXX XXXX which is attached ..to this complaint.. to this date they have not provided that paperwork and according to FDCA credit reporting rules on putting this on my credit reports..that is not allowed by the collection agency to do so ... .which is a violation.i have also filed a complaint against the company.. XXXX
On or about XX/XX/XXXX, I applied for a Wells Fargo Secured Credit Card under my old name. When I applied, I spoke to one of the customer service reps who informed that after a year of maintaining a stable account balance on the card, Wells Fargo may return to me the security deposit in full that I paid as collateral on the card. It is now past a year and around the last week of XX/XX/XXXX requested that Wells Fargo return me the security deposit I paid to open the account. Wells Fargo denied my request based on their review that my account is not eligible to receive the security deposit refund yet. I disputed their decision based on my positive transaction history over the past 12 months including 2 PAYMENTS OF THE FULL BALANCE ( {$1000.00} ) in XX/XX/XXXX and XX/XX/XXXX. I also had made numerous full balance payments on this card within those 12 months in addition to being late ( less than 10 days past due ) ONLY 3 times. I really need my security deposit as I am struggling to find stable employment and the security deposit of {$1000.00} will help me pay off the current balance on the card.
I sent a XXXX Deposit to Coinbase on the XXXX XXXX of XXXX. 

They say that a XXXX Deposit will be available in your Coinbase wallet after 3-5working days. 

It still is not available. 

I have tried emailing and calling everyday and I am get no information. 

Customer services do n't appear to care and I 'm worried that I will never see my money again. 

Please help me put pressure on them. 

My account is : XXXXXXXXXXXX
Midwest Recovery Systems is reporting to my credit reports that I owe {$370.00} for a XXXX XXXX XXXX XXXX membership I never had as of XXXX XXXX, XXXX. This debt is not mine and I want them to remove their reporting from all of my credit reports. I have sent them two letters in the past 30 days ( the first letter was sent on XXXX XXXX, XXXX ) and they have not responded. I have also filed a complaint with the Better Business Bureau against them.
I have a HSA account with Bank of America, I called to close my account. 
The first lady said no problem, she would transfer to to my BoA checking account, should be in there the next day. 
The next day it was n't in my account!! 
I called and the next lady said there was no record of me calling. 
I explained to her what the fist lady had said. 
She said no it would take XXXX to 7 business day. 
no way to speed up. 
Jus another way to hold on to your money.
unable to access account ... & change password ... email response arrives NEXT DAY even though it ( authorization code ) was requested the day BEFORE ( ten minutes to respond is NOT being followed by BARCLAY ... this has been/is an ongoing problem
On  XXXX   XXXX , 2017, I received notification from   XXXX   XXXX   that information in my TransUnion file had changed. All of the inquiries in the TransUnion file had been removed ( see attachments ). Subsequently, on  XXXX   XXXX , 2017, the inquiries were re-inserted to the TransUnion file. Per FCRA 611 5 ( b ), I should have been notified in writing that the inquiries were being re-inserted. I received no such notification. Therefore, TransUnion is in direct violation of FCRA. When I contacted TransUnion about the matter, the agent informed me that the issue was with   XXXX   XXXX  .   XXXX   XXXX   has indicated that the issue was with TransUnion, as they merely report information directly from TransUnion. In any respect, I have been negatively impacted by this situation as my credit score drastically decreased after the re-insertion of the inquiries. I am requesting the permanent removal of the  XXXX    inquiries that were removed and then re-inserted to my TransUnion credit file. I also request for the method of verification to be explained in any response I receive regarding this matter.
XXXX XXXX # XXXX, STUDENT LOAN, {$85000.00} This account is being reported as 60 days late as of XXXX/XXXX/16. The company sent me a letter stating it was incorrect and should be reported as on time. This item should be reported correctly and updated immediately. The account should have no past due payments reported and be reported as of XXXX/XXXX/16 on time payments. Please correct. This has been reported with each agency. I also have a letter from XXXX stating this fact.