WillisBack/dataset-financial-user-claim huggingface dataset:
On X/XX/2017 I submitted certified letters to the credit reporting agencies XXXX, XXXX and XXXX to investigate a mortgage being shown on my credit report. I also submitted a certified letter to the mortgage lender Seterus. I received responses from the credit reporting agencies but not from Seterus. The credit reporting agencies said they were not able to make any changes to my credit report. The mortgage is causing my credit score to be impacted severely due to late payments. The mortgage should be solely listed under my ex-husband and not under my name as I have not been responsible for it for over 6 years.
I was shocked beyond belief to learn yesterday that XXXX XXXX has arbitrarily, unilaterally without warning, and totally without basis, reporting me to XXXX credit bureaus. I have no doubt this is the result of shear retaliation and vindictiveness against my complaint about his utter negligence and incompetence ( see first attachment dated XX/XX/XXXX ). We live and function in this society relying on credit scores, which sometimes is more important than life itself. But XXXX so viciously and callously damages my credit just to satisfy his sick sadistic ego! Particularly under the circumstances ( truly negligent and incompetent ) described below. XXXX thinks he is GOD! I am a Bank of America customer for years. I am always in perfect standing with all my accounts : checking, savings and XXXX credit cards. I always pay credit cards in full within days. In my 29 years in XXXX XXXX ( and longer elsewhere ), I have never paid XXXX dollar short or one day late to any companies or on any bills. My credit scores are always above XXXX. These facts are a matter of records. Starting XXXX, I had a dispute with a merchant BofA credit card as payment, amount {$250.00} ). Now, 5 months later, XXXX still can not get straight ( 5 different sets of excuses ) that " refund '' or " no refund '' - back and forth playing with my money like his own money. The process was ridiculously arbitrary, totally without any logic or reason. I was so fed up and accused XXXX for being negligent and incompetent. For one thing, XXXX kept changing the reasons of no refund/no refund, and even use the SAME evidence to say : " refund '' and SAME evidence to say " no refund '' - go figure! No one has rights to play other people 's money this way! When I pointed out XXXX 's problems in XX/XX/XXXX, instead of correcting his actions, XXXX became vindictive and retaliatory and wasted no time to report me to XXXX credit bureaus with criminal intention to damage my credit scores. No idea how XXXX or anyone else has rights to do so. As of today, all my accounts with XXXX 's stupid bank are in good standing, and in good standing since day 1 years ago!!! This is definitively not a " non-payment '' issue. The {$250.00} was reversed by this XXXX only on XX/XX/XXXX, the monthly billing cycle is not closed yet. And I am already in default?! Even if I received the monthly bill, and even if I paid minimum payment, I am still in good standing. Even if I refused to pay the entire bill ( including other purchases ), the bank is required to inform me and warn me before damaging my credit. Using credit bureaus as XXXX 's retaliation tool is simply too easy, but criminal. This letter is to demand that XXXX : 1. XXXX immediately retract the retaliation actions against me at XXXX credit bureaus, and provide me with a copy of retraction. 2. I seek monetary punitive damage for damaging my credit scores under the circumstances. 3. XXXX refund me the {$250.00} for services never rendered.
I was approved a credit line with XXXX XXXX XXXX and they sent my credit card. When I when to used it it gave me a decline message. I was told that my card was closed and denied and that they send me the reason why over the mail. I never received such letter and yet why they gave me a credit line and closed it with out giving me the opportunity to used it. I felt humiliated when I when to buy a wall clock for my home. Can you find out why they are discriminating me. I am building my credit history and I dont have any delinquent or late payment. Whichever reason they stated after the fact is not applicable because they did acepted me. There is nothing wrong and why I was denied?
I received a notification in the mail from a company claiming they are collecting an unpaid bill of {$57.00}. I did not contact them directly b/c it seems so suspicious. This seems suspicious to me for several reasons.  ( 1 ) They seem to have my correct name and address, and yet no one has tried to contact me regarding paying this amount in the past. It " all of a sudden '' showed up as " delinquent. '' ( 2 ) I do  not recognize the name of the vendor with whom I supposedly did business and owe money  (   XXXX   XXXX   XXXX ? ) nor were there any dates or services provided . ( 3 )  There are three different names and addresses provided on the statement : "  Central Credit Services  '' out of   XXXX   XXXX  , Missouri and "  XXXX  '' out of Florida and a   XXXX   XXXX   XXXX   XXXX   XXXX   in  XXXX , PA  XXXX .
XXXX XXXX XXXX submitted a hard inquiry on XXXX/XXXX/2015 to Experian Credit Bureau. I have no knowledge of this company.
I thought I did not have overdraft protection for my account. Yet I paid three overdraft fees that the bank is refusing to return to me. I had a check clear my account with no money to cover it. Then all my other transactions got denied except 1 which I was charged a few for along with the check. After that all other transactions on my account are denied without posting except one which was paid then returned when money was added to cover the balance and then another fee was charged for returning the transaction that was paid. I want my money back cause I feel my account overdraft was due this banks processing when money isn't Available then charging me for it. Now if it was a non sufficient funds charge I'd feel differently.
I had a  XXXX    XXXX   credit card in which I also purchased insurance for back  XXXX   XXXX . The insurance was to cover and pay my bill in full in the event of job loss, injury, etc. According to the creditor, the account was closed in  XXXX  which is correct because I lost my job and applied the insurance I would not have been responsible for the bill in which the insurance DID PAY. I made the payments that were required by me until the insurance paid the bill in full. However the creditor is showing on my credit report that I had  a 30 30 60 90 late p ayment in  XXXX  after 6 months in which I was no longer responsible for the bi ll. Two t hings are wrong here the contract by the creditor was breached and the reporting is inaccurate. I have called the credit reporting agencies and the creditor and this is still showing incorrect on my credit report. PLEASE HELP.
I overdrafted my account at the ATM in order to pay a bill but immediately deposited cash back into the ATM in order to bring my account back over XXXX dollars in positive balance. SunTrust 's policy is to waive overdraft fees if they are covered in the same day. The next morning I woke up to see that SunTrust had charged me XXXX dollars in overdraft fees in order to bring my account overdrafted again. As I already deposited all my cash into the ATM, I ca n't do anything to bring the account back into the positive. When I called and talked to multiple supervisors and managers, they said they would lower the fee by XXXX dollars as a once-per-year courtesy but they could n't do anything else. They said if I deposited money into the ATM literally " minutes '' earlier I would have been charged nothing. I find this to be extremely predatory and a trap to keep me in debt so that they can keep racking up their exorbitant overdraft fees. As a new customer who recently joined SunTrust and linked my direct deposits with their bank account, I feel I have been treated deceptively and dishonestly.
Had numerous problems over two yrs. over last two months I have called Bank of America over 15 times went to voice mail. I received one call in that time. Over one month ago I requested loan mod application. Never received now as of XXXX I have foreclosure papers on my home
I signed up for a CitiGold Checking Account using promotion code : XXXX which promises the consumer XXXX XXXX XXXX AAdvantage miles after spending {$1000.00} on the debit card within 60 days of account opening. When I completed this I called Citi and was told that the miles should post to my account by XXXX. 

It is now late XXXX and I have not received the miles. Here are the steps I have taken to resolve the issue myself : 1 ) A few months ago I called Citi and was told the miles would post by XXXX 2 ) I used online chat support to ensure I met the terms of the offer 3 ) I called Citi in XXXX to see where the miles are. A CSR told me that they 'd get back to me with an update in two business days 4 ) I called Citi again after four business days and was told to wait another two business days 5 ) I called Citi again and was told to wait 60 days. 

I feel like Citi Bank has pulled a bait and switch on me - they offered one thing with a very specific time frame and have instead pulled the offer and made the time frame ambiguous. I feel cheated by the bank.
I recently opened a XXXX XXXX brokerage account. They closed my account after only a couple weeks with no explanation. Thats fine. What isnt fine is that theyre not returning my funds in excess of $ 9,000+. This is the worst company Ive ever dealt. Whoever reads this, stay away from XXXX XXXX. They will steal money! Ive made several phone calls to them and they give me the run around every time.
I received a letter from XXXX, congratulating me on my loans being paid in full. But XXXX keeps adding balances and subtracting balances to my account. This is adversely affecting my credit score! I 'm in the middle of financing and their frequent updates are detrimental to this process. Also, I want all loans older than 6 years off my credit report, as that is more than the SOL for my state. I need this done ASAP as XXXX is doing illegal and reporting practices.
On XXXX the original transaction was made ( {$400.00} scheduled to send to XXXX ). On XX/XX/2018 this transaction was cancelled by me. At that time money was not withdrawn from my account and the same info was provided under my account on MoneyGram website.

Unfortunately, money was withdrawn from the account but never sent to XXXX. 
I made a few attempts to receive money back by contacting this company via email, chat or phone call. 

Here is the fact. MoneyGram doesnt email finished chats to their customers saying that they are staying on customers account and only MoneyGram employees could see them. 
Chats : During those chats ( had at least five ) first, I was told to wait for 10 business days to get money back. Then I was told a few times money get back to the account in three business days. 
Once, I was told it was my bank mistake. Checked with XXXX too. 
I was able to copy only one chat. Other ones were closed so fast at the end that I couldnt do it. 

Emails : Company says that those issues can not be solved over email and provide the phone number. 

Phone calls : I was told to wait for three business days ( again ). Was not allowed to talk to a supervisor. 

On XX/XX/XXXX after another unsuccessful attempt to solve the issue I made screenshots of my transactions from my MoneyGram account ( original one and about transaction cancelled ). 

On XX/XX/XXXX I tried to login to my MoneyGram account and was not able to do so. My account was deleted by MoneyGram. I looked online and found other peoples similar complaints about dealing with MoneyGram fraud and their account being closed by MoneyGram. Also found some info about lawsuits against MoneyGram.
Date : : XX/XX/2013 The actions were taken against me as if i was doing fraudulent activities with my account but Bank Of America, but the account was closed per BOA before because of BOA allowing someone on the inside of the bank to take money from my account.. So they basically told me to closed one account to open an whole new account so the problem could stop but it did n't stop there ... So i closed the account all together.,
Coinbase has my money and wo n't allow me to trade it or withdraw it. They have no customer support and have not responded to my emails for a week. I have {$7900.00} in XXXX on their XXXX trading platform with another {$9000.00} borrowed on margin. I am unable to touch this amount because all trading is disabled.
I fell behind on payments but have been as steadily making payments as possible with th exception   XXXX  of 17.  I called for help they were able to offer me none. The calls and messages are unbearable as they were several times a day and even the day after I made a large payment to their corporation  XXXX /17  . I asked on  XXXX /17   that they stop calling me. On  XXXX /17    XXXX  MST and again  XXXX /17    XXXX  MST for some reason the calls have resumed.
XXXX apartments XXXX XXXX Texas - Sent XXXX different amounts within a month, none of them in regards to my contract - made accusations that are not true
I have been working with Nationstar for over a year to try to modify my mortgage loan which was interest free for 10 years. However, the principal will need to be paid starting in XX/XX/2017. The principal payments reflect payments for a 20 year loan. I can afford payments on a 30 year loan. The current loan has been sold to a private lender who does not participate in the making homes affordable program. An additional issue is that there is ~45 % equity in the house. My husband was diagnosed with XXXX at age XXXX. This caused financial ruin for my family. I need help finding a way to refinance this loan so that I can keep my home for myself and my children.
I was deposited a total amount of {$2000.00} since XXXX of this year. I have paid {$1100.00}. I still owe them {$1800.00}. Ridiculous fees. I have tried to tell them they are illegal in my state as they are charging over 200 % in fees, but they insist they are a tribal lenders and does not have to abide with state laws.
The purpose of this is to express my extreme dissatisfaction with Chase 's claims and customer service department. On XX/XX/XXXX I was fooled into sending {$400.00} through XXXX to an unknown individual in exchange for football tickets. It ended being a scam and even after contacting the claims department within 30 minutes of sending the money it could not be canceled/reversed. I found out that transactions done through XXXX are legitimate and are not covered by Chase. I have contacted them by phone several times and each time same answer there's nothing they can do. I was also told by a supervisor in the claims department that the steps taken by CHASE to look into my claim could not be discussed. I have been a customer for nearly 15 years, I have grown my account by adding two credit cards and a mortgage, in addition to having a premier checking and savings account with over {$50000.00} and there is nothing they can do for such a customer? This is my first time ever submitting a claim and it's extremely aggravating that they can not back me up this one time. Now they're saying they can not do anything because the case is closed ( it's only been a month since it happened. )
I have a debt wit h United Credit Collections  in  XXXX   XXXX , MO from a broken lease and I am trying to get a paid in full letter from the collection agency once I pay the debt and they 're telling me that they are unable to email or fax the letter to me once the account is paid in full and that they can only mail it to me. And the representative that was initially handling my accoun t (   XXXX   XXXX   )  is so unprofessional and I had to call numerous times today  X/XX/2017    and he will not allow me to speak with anyone else and saying that he is the only one who can help me and I am trying to pay my debt today.
I have filed for Chapter XXXX and was granted a discharge of all debts, including an Auto loan from Ally Financial. They are still reporting this loan as delinquent to a number of credit reporting agencies. Did send them a letter to stop reporting on this debt, but they will not comply.
A supplier sent us an ice maker that we received damaged. 

We contacted the supplier and they replaced the item and said they would make arrangements to pick up the damaged item. 

XXXX XXXX ( XXXX ) came and picked up the item. We never spoke to XXXX or administered the pickup. 

A few months later XXXX sent us an invoice for the shipment ; we contested it and reached out to the supplier to confirm. Both entities said they would correct it. 

XXXX has since been harassing us for payment and involving other collection agencies who despite our supplying documentation, have continued to harass us regarding this erroneous charge. 

I want to make sure it does not impact our credit standing or reflection of reliable payment history. 

Thank you
I submitted a phone payment for a home depot credit card and was given a confirmation number as having been paid. At my next billing cycle, I saw that the amount was past, and I called and found out that the payment had been declined after 3 days. I was reported to the credit agencies. I contacted the credit card and they acknowledge having given me a payment confirmation but they refuse to retract their credit reporting, leaving me with a late payment on my credit history. I was never notified by them that the payment had been declined until my next statement. I had money in the bank to complete the transaction at the time so I am not sure why they would confirm payment and then decline it.
i have disputed this with the credit bureaus 3 times i have contacted the bank ( m & t bank ) over 20 times over a 3 month period starting in XX/XX/2017 when i had the loan originated with XXXX XXXX XXXX who you bought it from there was supposed to be 4 months of reserves. 3 days before closing the terms were changed by the underwriter and i was not informed. 

after M & T Bank bought the loan i had assumed this went through. i did not receive in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX stating that my payment was due. in XX/XX/XXXX i received a tax bill from my town and a mortgage bill. i call m and t and asked why i received the bills and if there was money in escrow to pay it, I WAS TOLD YES THERE WAS. in XX/XX/XXXX i  received the 30-day late notice from my credit report and immediately call m and t to find out what happened. they explained that there was no money in escrow for mortgage and that when i was told there WAS they were only referring to the tax bill. I IMMEDIATELY PAID ALL 3 MONTH OF BACK MORTGAGE TO CLEAR UP THE MISUNDERSTANDING. 

The 30 days late was not my fault, it was not m and t fault but a tragic misunderstanding by both parties and i should not be penalized for this. I have provided documentation from both the originating bank ( XXXX XXXX XXXX ) and emails stating this. 

the only response i get from M & T Bank is " we looked into the matter and believe the reporting is correct ''
Received a call about XXXX and XXXX XXXX Credit card account being past due. I was willing to may a payment for the min amount due which did not know at the time so I asked the collector. He said the XXXX XXXX card was XXXX and the XXXX card was XXXX. He I should round up both amounts to just make it even. It was tight but I did it. This was about XXXX XXXX on XX/XX/2018 from phone number XXXX ( XXXX ) XXXX. Later that night I went online to check and make sure the payments are correct. Well I seen the payments were there but when I checked my statements I was surprised to see that my payments were {$45.00} not {$67.00} and {$72.00} not {$99.00}. I tried to cancel both payments because I could have used the money else were. I just wanted to make the min. I tried to cancel multiple times and couldnt because it was after XXXX. I was very upset at this point and that is when I decided to call customer service. The agent tried to help me but end up having to ask a supervisor. After waiting 20 min he returned and said he talked to the supervisor and the supervisor said that they will attempt to revise the amounts. I feel I was mislead. I asked to put a compliment in because giving me the wrong amount is not right and I feel like I was taken advantage of. I can only imagine if it was so easy to mislead me then this has to be an issue. The agent said that he knows it was a collector. I dont know if I should contact a lawyer.
All Credit Bureau reporting companies including XXXX, Equifax and XXXX are not doing the public fair service. They make up false statements about a persons ability to pay back the unsecured loans. The Banks offer all kinds of credit when you dont have anything borrowed and then squeeze the door shut and blame it on the Credit Unions. If you know anything about the Mortgage Backed Securities fraud during XX/XX/XXXX-XX/XX/XXXX Financial crisis the CREDIT AGENCIES FALSLEY RATED THESE SECURITIES. So the same thing is happening to consumers and I want an thourogh investigation into this practice. XXXX XXXX XXXX is responsible for some of my anger and have opened up an investigation of their own underwriting practices # XXXX where I tell them that I have a $ XXXX/ month income with a current Credit Card debt with payments of approxiamately $ XXXX/ Month and when asking for a credit limit they come back with false excuses on how they can not even temporialy raise my credit limit. 

This in itself is FRAUDULENT and UNETHICAL. 

Please call them on my behalf.
In   XXXX   XXXX   XXXX    , I contacted ChexSystems via email to inform them that  XXXX   XXXX  had incorrectly reported an address that I have never lived at or used.     On   XXXX   XXXX   XXXX    , I received a written letter in response stating that since the address was submitted by a financial institution it was being retained in my file.     Since the  Federal Fa ir Credit Reporting Act requires them to correct or delete inaccurate, incomplete or unverifiable information within 30 days, ChexSystems is in violation of this law.
I have previously disputed negative/adverse items on my credit report and requested validation in form of the original signed documents or contracts. On  XXXX   XXXX ,   XXXX   I sent a certified letter to Equifax regarding unverified negative items being reported on my credit report. I specified that I was requesting Equifax to comply with the federal law and send me the original signed documentation/contracts showing my signature on these negative items that they are verifying on my report. After Equifax 's " investigation '' the negative items came back as being verified with no documentation with my signature that is required by the FCRA. I have spoken with numerous reps at Equifax regarding these negative items and have yet to get this resolved. Equifax has told me that their " verification '' consists of sending an electronic message to the courthouse or company through  XXXX . Once the court or company " verifies '' it, the information is sent back to the credit bureaus. I contacted the court and they advised me they DO NOT disclose, release, or verify any information with the credit bureaus or an y 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised me that the infor mation is verified by a runner that goes to the courthouse to " verify. '' I asked what information does the runner give to the courthouse and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that so I spoke wi th a manager that stated that since this was a reinvestigation, no runner was involved. The manager advised me that Equifax uses a " form '' that they send to the courthouse. I asked what type of " form '' and  where is it sent because the courts confirmed with me that they DO NOT verify with the credit bureaus. Equifax refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify these items on my report.