WillisBack/dataset-financial-user-claim huggingface dataset:
About two weeks ago I see on my bank account that XXXX had taken out {$210.00} or so and I was thinking for what, because my wife always pays that with her card! I do n't make much money, and I am XXXX XXXX XXXX already. I called XXXX and they charged both our accounts and they said theycould n't do anything about at this point and call my bank to get my money back! So, I do so and the customer service rep was horrible! I said I wanted to get my money back cause I did n't and never authorized this charge, and right away the rep tells me to call the merchant, and I explain I did, and then the rep says we ca n't help you and hangs up on me! I was thrown back. I know bank of America and me had our differences before, but they took care of me in the end I wo n't lie, but this time I need the same help. I am old and live on a day to day basis. I ca n't afford to loss money like this! I just hope they reimburse me that money back, cause I love bank of America and want to be with them long term as a customer, but when I call thinking I will get help on my situation and it does n't happen. These processes are not fun, and I do n't try to get over on anyone, I just know when a wrong doing was done, and hope when they do happen my bank had my back as a loyal customer!
i Sent a ceritfied letter with return receipt several times for the last 3 months, but the unauthorized inquiry still remain and account.
I am a victim of Hurricane Harvey that happened XXXX-17 in XXXX, Texas. The insurance company sent of check in the amount of approx. {$37000.00} to repair my home and the contractor estimate is approx {$53000.00}. The Carrington mortgage servies company will not release the funds to have the company start on my home. The insurance is taking care of the difference. Please advise in correcting this matter. My home is not livable and I can not continue to pay for rent and mortgage in two places. Also if I am to pay for insurance through my escrow why would the Carrington mortgage servicers company put something that I am paying for in their name and is that legal. Today is XXXXX-17 and my home is still a disaster. I have called numerous times to at least get clarity of when the funds would be dispersed for my home repairs. The staff is unpleasant and unhelpful. I am tired and frustrated with no help. Thanks in Advance XXXX XXXX, XXXX  XXXX
I am submitting this claim requesting help. I previously enrolled at XXXX University, while being enrolled my mother had a XXXX. I had to leave the state and go home to take care of my mother. I followed every procedure that I was in constructed to follow to not take the next semester of classes. I even asked XXXX could I get out of my current class due to my mother being in XXXX. My mother doctor as well as her nurse spoke to XXXX and inform them of my mother status. 
XXXX inform me they dropped the classes but later I learned the classes were not dropped. I spoke to Financial Aid in which they advised me I could turn the check over and this would cancel all charges. I asked the representative was this legal being I did not attend the next semester of classes? Because I said no XXXX put a charge of {$1800.00} onto my credit report. I do not agree with the charges being I followed all directions which were listed on their portal as well as my advisor. 
I contacted the Collection Agency whos handling the account ( XXXX XXXX ). Ive made an agreement with XXXX to pay a settlement amount of {$1100.00}. I honor what I made arrangement to pay and submitted payment to XXXX XXXX. I purchase a Money Order threw USPS and mailed it as well. I checked with the Post Office being XXXX stated it wasnt received. Per the Post Office not only it was received but cashed. 
On XX/XX/2019, I was notified by my credit monitoring service that XXXX XXXX increased the amount and not deleted it. I tried contacting XXXX  in reference to this but keep getting the runaround. I was informed this would be deleted from my credit report, in which they sent me a letter stating. However, Transunion, XXXX, and XXXX Credit Bureau informed me until XXXX XXXX sent something to them the charges will not be removed. Please assist!
I have notified IC Systems that this debt is not mine on several occasions. I have asked them to remove this account from my credit file since this account was open as a result of identity theft. To date, IC Systems have not removed this account from my credit file. I need your assistance in getting this matter resolved.
I have a balance with Paypal Credit. This account is my account alone and not a joint account. Paypal contacted my wife and divulged all the inofromation about the account to her. They have violated my privacy by revealing all of the information to my wife.
I have a list of collections and creditors that repeatedly get removed only to be reinserted, sometimes the SAME DAY! Some are removed from my credit report and put onto my husband 's report, others just get reinserted or change company names. Some are disputed and then removed, sometimes the previously removed items are reinserted and deemed valid, by the credit reporting agency that removed them previously.
I paid off my home mortgage on XX/XX/XXXX. Bank of America wasmy mortgage company. I checked my Bank of America account on XX/XX/XXXX and found that the full amount of my mortgage still showed as outstandingalthough I paid off the mortgage using a cashier 's check ( as requested by BOA ). 
When I checked on this further I was told that the bank made a mistake andcredited my payment to another individual 's line of credit account. The matter wasthen resolved and my mortgage balance was reduced to {$0.00}. However on the XX/XX/2015, BOA withdrew {$1400.00} through the ACH account I had setup to process my mortgage payments. Once again, after paying off my mortgagein full, BOA withdrew yet another mortgage payment. On XX/XX/XXXX Icontacted BOA again and told them what they had done. They informed me at thattime that they would reverse that charge and I would see it appear in my Suntrustchecking account on XX/XX/XXXX or XX/XX/XXXX. Today, XXXXI contact BOA since I have not seen the reversal. I was now informed that thereversal would be returned to me as part of the refund of my escrow account andI would not see that refund until the XX/XX/XXXX. 
In summary, although I paid off my mortgage on XX/XX/2015, BOA without authority, misappropriated {$1400.00} from me and are now saying that they will notreturn it until they have had it for one full month. It appears that this is an easy wayfor BOA to tap financial resources not belonging to them and to use them for onemonth interest free. Multiply this by the number of people who pay off theirmortgages every day and you can see just how much BOA is reaping. Of coursethis assumes that BOA will return my money by XX/XX/XXXX, but I haveno confidence they will based upon what they have told me thusfar.
On XX/XX/XXXX, my wife ( XXXX XXXX ) and I purchased a couch from XXXX XXXX using their same as cash off and we opened a CapitalOne card ending in XXXX. For the XX/XX/XXXX payment, our bank XXXX sent payment to CapitalOne in the amount of {$51.00} on XX/XX/XXXX, nine calendar days before the payment was due. The payment due date was XX/XX/XXXX. The payment was processed by CapitalOne on XX/XX/XXXX, eleven calendar days after the payment was sent. This event triggered a series of late payment and interest fees. Some of which were reversed. This event ( which should never occurred ) also triggered an increase to the monthly payment amount ( $ XXXX/per month was the agreed amount thru out the repayment of the same as cash offer ). This caused more late fees and more interest charges. I have been contesting and disputing all of the late payment fees and interest fees since XX/XX/XXXX. I subsequently paid the balance of the credit card bill off significantly early in XX/XX/XXXX. We closed the account. 

CapitalOne believes we owe them $ 600+ in interest and late payments on a credit card which was paid on-time each month and paid off before the term of the offer.
I recently applied for a mortgage on a new build, and the lender that the builder asked me to go threw was  Guild  Mortgage  XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  the broker that I dealt with was  XXXX   XXXX  Loan Officer  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , CA  XXXX  M :  XXXX  | F :  XXXX  NMLS #  XXXX  | Company NMLS #  XXXX . Before filling out the app I asked him if he had an employee by the name of  XXXX   XXXX  which he responded yes I told him that she lives  XXXX  behind me and that I ha d Manny pro blems with her and her husband thats when he assured me that my file would be to his eye 's only, after that a week goes by and she called me to ask me about my file that she was not supposed to have access to. Since that day I am always checking my credit report fearing that she or her husband might do to me and my wife.
I was denied a home equity line of credit by Iberia Bank because of a false debt to income ratio. I was told that my dti was 69 %. This figure is false. My documented income is XXXX a month, and my total monthly debt payments are less than XXXX. I have made numerous requests to get an explanation of how the 69 % figure was attained. No one has given me that information. I believe the real reason for the denial is age discrimination. I am completely qualified to get this heloc. My home has no mortgage, and the requested loan amount is within the allowed loan to value. Banks should not be allowed to deny credit to qualified borrowers under false pretenses.
I opened a checking account in XX/XX/XXXX with BMO HARRIS BANK. I signed an agreement that allowed me to access my account online through bmo harris 's portal. 

XX/XX/XXXX I tried to access my account using my id and password and was directed to another portal instead of my account. At that portal I was prompted to check two boxes signifying my agreements to new terms and conditions and I refused to check. When I refused to check I was not permitted access to my account online. My online account has been taken hostage until I agree to a new agreement. 

What happened to the agreement that allowed me access to my account since XX/XX/XXXX??? I contacted bmo harris and spoke to XXXX, and then to whom I was told was a manager named XXXX. Neither would allow me access to something that only twenty four hours prior I had had access to. And XXXX refused to give me any officers names in the harris organization that I could contact by calling or email, and would give no names to whom to address my complaint via snail mail. I feel like he was deliberately being unhelpful. 

Once the accounts are established through signed agreements and I am in receipt of agreed upon services, I in no way expect for those services to be interrupted until if and when I enter into another agreement. I think such behavior is bullying, intimidating, immoral, abusive, and possibly illegal. The bank has no right to XXXX XXXX, arbitrarily, change the original agreement because it suits their needs or desires, and if it does and I agreed to it then I don't have to agree to it again. 
After getting in touch with management I was told " If you feel that you can not agree to the online terms, then unfortunately we will not be able to grant online access to your accounts, however, you can still access your account information via telephone banking, branches and ATMs. '' I was also told by by the bank representatives that I had agreed to several changes in the past and that I checked agreement boxes in order to access my account. 
Those are lies, subsequent the initial agreement I have checked no other boxes to access my account, nor was I was allowed to access my account by telephone. My pin was not recognized, and when I called I was told that I had never set up a pin and had never accessed my account by telephone before, whereas I used to use the telephone service almost exclusively. This is not a dormant account, never has been and is used daily through a debit card. 
I feel I am being taken advantage of by a banking system that is possibly violating the law by such actions. 

XXXX XXXX
In XXXX of XXXX, XXXX XXXX XXXX put a charge on my credit card for XXXX. There has been an ongoing dispute about this charge because XXXX XXXX XXXX has refused to provide services that were properly working. The result was I cancelled the service on XX/XX/XXXX and installed XXXX XXXX. I have been providing ongoing documentation to dispute this charge and all Capital One is doing is constantly putting the charge back onto the card. I have been unsuccessful in keeping the charge off of the card. As of XX/XX/XXXX the card was rebilled again for the charge. I was told on Saturday the XXXX XXXX that the charge will remain off because all the documentation including pictures were sent by the XXXX of XXXX. This was a lie.
Still being ripped off by Money Network double charging for ATM Fees, on XXXX/XXXX/2015I was charged {$2.00} by the ATM and Money Network charged also an extra {$2.00} totaling {$4.00} for XXXX transaction. I tried purchasing to beers totaling {$2.00} and was declined. I intially requested, before receiving a new debit card to close my account and send a check in the amount of balance which was {$25.00} and to close my account! They said they could n't and XXXX XXXX XXXX states the bank must, so that 's plain to see that theres a run-around scam oney racket in banking still ago! Please request to them to send me the {$2.00} that is to be left in my accunt and then close it? Thank you!!!
We started using XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX  XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.
Non-performance of a lender ( missed deadlines, failed commitments, failure to provide closing documents, failure to respond to inquiries, failure to fund timely ) : We recently purchased a home, and our mortgage broker sent us through Ethos lending. What an ordeal! After a series of delays ( due to staffing, backlogs, etc ) they finally gave us a date for which we could sign closing documents. When we went to the title company on XXXX XXXX ( as they indicated we should ), no documents arrived. At this point we were out of contract with our sellers, and every day 's delay cost us $ XXXX in penalties - all because Ethos could n't deliver as promised. Our broker was finally able to contact them, only by masking his cell phone to appear as if it was coming from within their building. Where before he had called, and called, and left voicemails and emails with no response, when they thought it was an internal call they picked right up. He was able to get a commitment to have documents ready for us the next day. We signed on Wednesday, hit XXXX snag with seller documents, and all indications were this was a " rush '' and we would fund on Friday, XXXX XXXX. Friday came, and went - no funding. Sellers were irate ( as were we ), as our apartment would not let us stay any longer because the unit had already been rented, based on Ethos ' timetable for finishing this deal. Ethos guaranteed funding Monday, XXXX XXXX by XXXX XXXX. At XXXX, still no funding. There was a " system outage '' that prevented sending funds. Finally funds arrived to XXXX title company, but too late for them to send it to the sellers. At this point, I had stalled my apartment to let us stay through Monday, and the drop-dead time arrived. I had to pay my movers to move everything to a storage unit, and find a place for my family and pregnant wife to go that night ( thanks Ethos ). At this point, Ethos has cost me XXXX days of lost work ( since I had to take time off work each time to sign, and then arrange movers, cancel movers, rearrange everything each time they failed to perform ), as well as over {$500.00} in penalties to the sellers, doubled my moving costs, and stress on a pregnant mother. I have worked in XXXX for XXXX years and never have I seen such an unresponsive, uncommunicative, ineffecient and non-performing lender. We had serious doubts as to their solvency, and whether or not they were even legitimate. Through all of this, we bore all the burden of the inconvenciences - all because of Ethos ' inability to deliver on contracted lending services. I ca n't tell you how many times my XXXX wife was in tears because of this lender - XXXX is a MAJOR concern during XXXX and this lender has absolutely no concern for their customer - zero.
I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Legally paid in full for less than the full balance, closed. I am unaware of Legally paid in full for less than the full balance, closed with this company. I contacted this company via certified mail asking for validation of the debt which was not provided to me. Additionally, please provide the name, address and phone number of each person who personally verified this account, so that I can inquire about how they " verified '' the alleged account, without providing any proof, bearing my signature. An employee looking at a computer screen, seeing my name listed in their database is NOT verification or validation of any debt. Please validate this information with XXXX XXXX. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Hello, I received a letter in the mail from  Convergent Outsourcing Inc  stating I owed "   XXXX   XXXX   XXXX   XXXX   XXXX   money from a   XXXX   XXXX   account that is not even mine. They stated the amount that I owed was {$1100.00}, however when I called  XXXX   XXXX  on this with the account they stated the amount owed was {$850.00} and it was opened in  XXXX . It was then sold to a debt collector in  XXXX . Which makes this debt illegal to even collect on according to the fair credit reporting act. They are doing illegal practices trying to collect debt that is not even mine and violating the fair credit reporting act by trying to collect old debt.      Regards,   XXXX
leased atXX/XX/2018 XXXX truck and said I needed a co borrower so I put a down payment and only got credited for one of the none monhs of payments and I get some thired party sayimg they are collecting payment and requested mulitple times for statments I beleive my identy was used and stolen to credit others and I pad out to much tohave no credit showing in my report please help Thank you
As I have done many times before- I placed an order with XXXX XXXX for a {$10.00} embroidery design collection and attempted to complete the transaction thru PayPal XXXX I received a message that the transaction was pending due to a random scan. I attempted to complete the purchase several times and got the pending notice. I finally checked my email and had XXXX emails from PayPal describing the possible 72 hour delay in processing my order. On XXXX XXXX, I got an email stating that my order was complete. A few days later I checked the website I ordered from and the order had been rejected. I checked my bank account and saw that PayPal had taken XXXX {$10.00} debits from my bank Acct and credited only XXXX after rejecting my order. When confronted, PayPal stated that my order had been rejected because of federal regulations and the word " XXXX '' had been connected to my order and they were not allowed to deal with XXXX. I countered immediately that I am in XXXX and have no connections to XXXX and had completed this very sort of transaction over twenty times since beginning my PayPal relationship. PayPal refused to replace the XXXX dollars until I supply a copy of my drivers license and current utility bill to prove my identity. I am very uncomfortable giving my drivers license and utility bill to a company that even suggested that I am doing something illegal. They had no intention of completing the order and should not have debited my acct for the additional {$20.00} in the beginning. They are holding my {$20.00} hostage until I give up my id to them. This is wrong.
hippa cra violation never late and showing inquires that are not mine sent police report enclosed are hippa and cra violation XXXX included with showing a late everything i sent to everyone equifax breach has cost me my life
There is a bill owing to XXXX that i do not know about. I am trying to dispute the issue, and i am not getting anywhere with the company. I was told that they would send me paper work to be filled out, and it 's over XXXX weeks and i have not received it. I would like to do business and i can not do anything because of something that i do n't know about.
I have submitted four requests to Experian to correct the name that should be listed on my credit report. I have sent them a copy of my driver license and a copy of my passport with the correct name. They will not update my name on my credit report. The name should be XXXX XXXX XXXX.
There are hospital bills from a hospital in XXXX state dated from XXXX XXXX, but I moved out of XXXX state to XXXX on XXXX XXXX, XXXX, and I have not visited the hospital in question since around XX/XX/XXXX. I was robbed of my wallet XX/XX/XXXX, around XX/XX/XXXX or XX/XX/XXXX I believe, and it contained my original birth certificate as well as XXXX of my children 's original birth certificates, and my original issue Social Security card and my children 's SS cards. I believe my information had been used for fraudulent things and I would like help recovering my credit and fixing the fraud on my report, as well as a FULL credit report detailing all the ways my information has been used.