WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX purchased account # XXXX from Syncb/Dillards XXXX XXXX XXXX XXXX FL XXXX, which was opened XXXX XXXX and first reported to the Credit Bureau oh XXXX XXXX. XXXX XXXX changed my Date Opened to XXXX XXXX and First Report date to XXXX XXXX. I filed XXXX disputes with the Credit Bureau and they failed to properly investigate this matter, I called XXXX spoke with XXXX XXXX employee # XXXX tried to explain to him they are reporting incorrect information to the credit bureau ( the date open is incorrect, last balance is incorrect ) and I would like to have this inaccurate account removed from my credit report, he said he had no way of removing the account and the only solution he offered was to reopen the account to collect more money from me. I would like a investigation done on my behalf because the credit bureau is not do their job in fully verifying the information is
I am currently paying on a high interest loan for an education from XXXX XXXX XXXX XXXX Illinois that is not worth putting on a resume because of all the legal matters going on with fraud and passing students just to push them through. Even XXXX XXXX and XXXX XXXX tell people to stay away and do n't enroll in these colleges
On XXXX XXXX I tried to withdraw funds from an ATM that was not my bank. The funds did not dispense but it was debited from my account. I immediately contacted customer service and was told it, they would send a form in the mail for me to sign and send back. I recieved the form on XXXX XXXX and faxed it back to the number stated on the form. I call today XXXX XXXX to check on the status and they say that they have yet to receive the form. I asked to speak with the dispute dept. but I can not the rep had to. So I was put on hold and when she returned asked for the fax number. Which I gave to her and was told that it was the wrong number. Now I have to fax the form in again and wait.
On XX/XX/16, an inquiry was made to Equifax by XXXX, XXXX : :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX- Phone ( XXXX ) XXXX. I contacted two departments of XXXX XXXX and they stated that they do not make credit inquiries. I find the inquiry to be suspicious!
I 'm with green tree and recently at XXXX. My last payment for the yr. Was due and payed on time how ever green tree also put XXXX XXXX payment on this statement as well but the math did not add up to, XXXX payments in the amount due box on the paper statement the payment for XX/XX/XXXX was on the statement for XX/XX/XXXX but on the far side of the statement were your eyes do n't look when your use to seeing the same thing all the time. i did not catch this until I received my mortgage bill for XXXX. I was hit with late fee 's and was basically made a fool of over the phone when I was told both my payments XX/XX/XXXX and XX/XX/XXXX were due on XXXX bill. And that basicl " it didnt matter if i missed a payment for XX/XX/XXXX. I have to pay them regardless if i recive a statement our not '' .the information I was told I needed to send for a request of all the info I wanted to inquire about, to resolve the issue I never received any info or a denied response with reason. I payed all dept. Due in full plus The Late fees. I 'm still being charged late fees I 've write on the statements and stated that the billing is wrong and all late fees from the incidents have been payed green tree will not fix there mistakes
CREDIT PLUS XX/XX/XXXX-XX/XX/XXXX Miscellaneous XXXX. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance. 
We 're on it.
On XXXX/XXXX/XXXX I mailed Americollect a certified letter for debt validation and XXXX validation They sent me a print out with no date of birth, no last XXXX or any other identity makers, other than my name and address. 

They alleged bill states " XXXX of abdomen '', first, I 've never had an " XXXX of abdomen '' and I know this because the only body part " XXXX '' is done on is the XXXX, to check for blood flow and regurgitation back into the chambers. 

The bill is fraudulent and so are the charges, I will be reporting Americollect and XXXX XXXX XXXX the BBB And XXXX for fraud.
THIS ACCOUNT IS SO OLD, ITS PREFERED CREDIT, XXXX XXXX. THIS COMPANY IS HONORABLE AT TRYING TO COLLECT, THEY HAVE SENT THIS ACCOUNT OUT TO SO MANY COMPANY 'S AND ITS BEEN PAID IN FULL SINCE XXXX/XXXX/2013 TO XXXX AND ASSOCIATES.
On or about XXXX XXXX, 2015, Borrowers contacted Wells Fargo Bank concerning the correct interest rate calculation for the repayment period once the draw period ends on XXXX/XXXX/2015, and to explain the ambiguous terms of the Borrowers ' Line of Credit with Wells Fargo which do not support the estimated finance charge of 5.425 % during the repayment period for the subject Line of Credit. In this respect, Borrowers also requested a written reply to Borrowers ' inquiry in a letter dated XXXX XXXX, 2015, to Wells Fargo which Borrowers have not received a written response. 

Despite Borrowers ' repeated good faith attempts to resolve the subject correct interest rate calculation with Wells Fargo, Borrowers submit that Wells Fargo has failed to provide a timely and complete response and has committed unfair, deceptive and abusive acts and practices concerning the subject inquiry within the meaning of The Consumer Credit Protection Act, 15 U.S.C. 1601 et seq. Further, Wells Fargo 's unfair actions are also supported by the documentation herein provided by Borrowers. 

Moreover, since Borrowers first contacted Wells Fargo on XXXX XXXX, 2015, Wells Fargo through its employees and/or agents have made misleading representations concerning its alleged efforts to research and resolve Borrowers ' inquiry by mailing several stall letters dated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX purporting to provide a final resolution to Borrowers ' subject inquiry. However, as of this writing Wells Fargo has failed to provide a proper and complete response to the Borrowers to address Borrowers ' position concerning the correct interest rate to be applied during the repayment period.
Over the last few months I have been trying to get my credit work done between the three credit bureaus XXXX XXXX XXXX and experience they have failed to honor and repair my credit I have a notice that shows and if you read it it will tell you according to the fair credit report section XXXX you are required by law federal law to verify through physical verification of the original signature and they do not do that they Get online and wait for the creditor to respond no written signature from me and then they say that the credit is mine they to nothing
My lease ended XXXX/XXXX/17. On XXXX/XXXX/17, I talked to a Toyota Financial XXXX XXXX XXXX XXXX who gave me information about pay off amount and dealer information. She never talked about the month to month payment option after contract expired, she told me I could either return the car or get it financed. I told her I would come to the dealer to get it financed. Few day later, I received a statement date XXXX/XXXX/17 with a late payment. I tried to make payment via phone but automate payment was not available. On XXXX/XXXX/17, XXXX called me again. I informed her that I have spoken to my dealer and they were working on getting my car financed. I also asked her about the statement date XXXX/XXXX/17 because I was never informed about making payment after the lease expired and I never received the statement when the payment was due, I only received the statement when it was passed due. She said it was my fault for not knowing about that information and I should have contacted her first. When I explained to her that I never knew about this information until it was passed due, she rudely told me that I was making excuses and it was all my fault. I intended to continue to make payments until I get the car financed ; however, my account would not be passed due if all this information was provided to me formally. This treatment was unfair and deceptive.
Previous Complaint number : XXXX is unresolved. Still no verification of debt has been received.
Hello, I was a credit card customer of CapitalOne with a limit of {$500.00}. I left the USA XX/XX/XXXX as part of my completion of assignment and kept no dues in that account. I have never used that card again and the last e-statement I received on XX/XX/XXXX showed {$0.00} dues. Recently I received an e-mail from CapitalOne to notify me of suspicious purchases from that account. I immediately contacted them ( On XX/XX/XXXX ) from XXXX where I am working now and after due verification of my identity over phone they accepted my request to close that account and initiate an inquiry. They informed me that I am not required to pay the amount. 

They started sending me e-mails to pay the dues but I ignored them as I am not responsible for those purchases. Now I am frequently receiving reminders to pay amounts that is increasing month by month. I request your office 's intervention in this matter as the money they are demanding is increasing each time.
I have contacted XXXX XXXX several times about this matter, XXXX is reporting 30 day late on XX/XX/2017 on my credit report which is affect credit score and I have had this secured card of XXXX and the reason why was I was in hosptial and after I had spoken to a rep and the rep advised me to sign up for automatic draft of the payment every month and I have had the automatic draft of payment for a couple of years now I should have by now been graudated from a secured card to a unsecured card but XXXX had not done that at all.Not happy with the XXXX XXXX company
When I bought my house in XX/XX/XXXX it was through countrywide bank. When the housing market crashed the loan was bought by Bank of America. The way I got into my loan was no money down, no income verification. So the way countrywide did it was a conventional 30 year mortgage and a HELOC. In roughly XX/XX/XXXX Bank of America modified my conventional mortgage which temporarily helped but now I am trying to refinance and can't because only a minimal amount was going towards the principal. Between my conventional Mortgage and my HELOC I can't find anyone to refinance my loan due to contributing factors. I feel minimal help from Bank of America has put me in a financial bind.
Around late XXXX 2017 I contacted Chase Bank to notify them of their shady business practices and failure to properly and professionally disclose information in reguads to their hardship program. A few months ago I took part in the program due to legal issues with my employer at that time and had not gotten paid still to this date. I spoke with Chase Bank thinking they were actually here to help and it all turned out to be a lie that has affected my life in many ways and I 'm still struggling to recover from the pain and disappointments they 've caused. I before Chase bank destroyed my credit score I had a XXXX fico 8 score. Chase Bank has maliciously allowed late payments to occur although I was enrolled in their program which caused me to fall in serious delinquency status for this account, which dropped me all the way down to a XXXX Fico. The day I enrolled in the program I specifically asked Chase Bank was there anything else that I needed to do to prevent late payments because I take pride in having 100 % on time payments as I 've had for the past 8 years and I was assured that I was good to go and everything has been taken care of and because of being on automatic payments there would be no father action on my part. Chase bank and enrolled me into a program that did more harm than effectiveness, I find it very offensive for a company that claim to hold such high standards to treat a customer in such a way as I 've been treated, I 've been calling about this month after month and they just do n't care. All I 'm requesting is that all late payments be removed from my account immediately. And I want nothing else to do this company ever in my life again I have been spreading the word and none of my family members and coworkers will apply for Chase Bank because I 'm very close to them and they have witnessed what I 've went through first hand it 's just heartbreaking. i 've even written a letter to the CEO of chase bank and it was such a disappointment I cried for the rest of the day, I was treated like a number, I was treated like I meant nothing, I was treated like I did n't exist and that everything has happened because of me, and for that I will forever share my experience about chase bank.
I have a VA home mortgage loan with Flagstar Bank since XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that my loan was transferred to XXXX XXXX XXXX Bank and this was my 15 day notice, the letter was delivered by the USPS, first class on XX/XX/XXXX. When I called Flagstar Bank to ask why it was being transferred, the customer service representative " it is just banking, how it is done '' she then said because the loan was being transferred I would have a sixty day " grace '' period to make the XXXX payment to XXXX bank. Asked about the letter being delivered with only 8 days left in the customer notice, she said " the XXXX took 7 days to go from XXXX to XXXX ''. I disagreed with that statement and said " the customer is supposed to get 15 days notice '', if it takes 7 days to deliver it is not 15 days. 
I investigated XXXX bank and called their customer service number, the " 60 day grace period '' is false, only 15 days. The bank is also a " debt collection agency '' with an abusive track record. The bank, from the reviews that I have read, is only interested in forcing the customer in foreclosure by any means, losing paperwork, rewriting the rules, increasing penalties and not having a customer service representative stay with your case. 
I feel that this transfer is a poor choice and that I will be spending money on a lawyer and answering harassing phone calls. 
XXXX this is not how I want to spend my remaining years fighting with a profit driven bank. 
I have included the transfer letter and several pages of customer reviews of XXXX bank practices. 
Thank you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX , va XXXX inquiry from XX/XX/XXXX I have not authorized these inquiries on either of my reports. I would like for them to be deleted from my XXXX, my XXXX and my XXXX  report.
I made a purchase in XX/XX/XXXX at Best Buy in the amount of {$1200.00}. {$720.00} was returned within a few days. Balance owing was {$510.00}. There is a charge of {$210.00}, {$42.00}, {$87.00}, {$93.00} that are not mine. The only other charge I have made were {$140.00} and {$150.00}. Total is {$1000.00}. To date I have made payments in the amount of {$1100.00}. Interest charges {$620.00}. Late fees in the amount of {$370.00}. 

I did not sign up for interest free or deferred payments. Since interest charges have been charged each month, this would not apply. 

What I would like Best Buy or XXXX to do is adjust my account and let me know what is the exact amount I owe. 

And, I do not appreciate XXXX to send threatening remarks in a letter that was sent to me on XX/XX/XXXX by XXXX XXXX, Executive Response Unit. 

I am sure XXXX will do the right thing and adjust these charges, interest and late fees.
We have a Bank of America credit card for many years now. Every month I set up the payment to be taken from our checking account ; usually for the full amount due. This month, XXXX 2015, I set the amount to be paid ( {$8700.00} XXXX to come out of our checking account on XXXX XXXX, the due date. It did. The total amount due was {$8700.00}. On XXXX XXXX, they also deducted another {$8700.00} from our checking account. Fortunately, we had just sold our house, so we had money to cover the double payment! I called them on XXXX XXXX and asked them to put the money back. I was told it would take XXXX business days to do so. It finally reached my bank, this morning, XXXX XXXX. We were never given an explanation on how this happened, compensated for the use of our money, which I feel is only fair. If we had not sold our house, this would have put our finances and other payments taken from our checking account in serious jeopardy! My greatest fear is that this might happen again with them. I will be canceling our credit card within the next month. Thank You
relate to reference # XXXX. false accusations due to I closed my checking and savings account with XXXX in XX/XX/XXXX because my XXXX was decreased for moderate reasons, in XX/XX/XXXX during my divorce I found out Midland Funding LLC had a Lien on my property, I called and asked Midland Funding the reason of the Lien, agent told me XXXX sold my account to Midland Funding in XX/XX/XXXX and owe $ XXXX, I told the agent my account was close in XX/XX/XXXX, I ask for their documents and other questions, which he could n't give me an answer, agent then transfer me to another department. 
once connected I ask for their documents and was told I open my account Online which I never do, cause I do n't trust online banking, I asked what department I transfer to? she told me is Law office for Midland Funding LLC and will look into it and call me back once she finds or dismiss the claim had against me. 
XX/XX/XXXX I received letter from XXXX, Attorneys at Law send me copies of alleged accusation from XX/XX/XXXX which I have no knowledge of, since then I been receiving numerous letters from Midland Funding AND XXXX stated false accusation from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from both parties and different amounts which I have no knowledge of. the time I opened and closed my accounts with XXXX in XX/XX/XXXX, same year XXXX was under investigation by the FDIC with Fraud and embezzlement.
I have requested validation and still yet to receive. I have not had any credit cards to over 7 years this is inaccurate
The Navient loan company has been calling me repeatedly requesting me to repay my loans. I am XXXX and earning no income so I am unable to repay currently. In addition I just had a baby so I have been exhausted from caring for her. They will call sometimes every hour and have even woken the XXXX. Yesterday they threatened to call the police on my dad and today they told my husband they would ruin my credit. I am so tired of being harassed. I know I need to repay the loan and I will as soon as I begin earning income when I XXXX from XXXX school next year.
Briefly, I will try and explain ; however, my supporting documents tell the story. A private loan that I co-signed on for my son with XXXX was transferred by a third party XXXX XXXX XXXX XXXX ( XXXX ) subsequently sent it to a collection agency call National Enterprise System. They did so without any notice to me!! It was in calling the original lender that I found out that it had been bought by XXXX. I was also told that they would be contacting me. This purchase happened some time in XXXX, XXXX, I think. At least it was XXXX XXXX, XXXX that NES acquired it, and the calls started shortly thereafter. It is now XXXX XXXX, XXXX and I have never heard from XXXX. I only hear from the collection agency, NES. I think it important to note that the account was n't in default. It was actively being paid on since XXXX. What gives them the right to do that when an account is being paid in good faith. I am a XXXX yrs divorcee. I hope to retire from XXXX in the next couple of years. This bad debt now appears on my credit report and no one will lend me any money because of it. I ca n't even get money to pay them off. Then there are conflicting statements about how much I actually owe. It is all in the accompanying documents. Please help me. I do n't know what to do. I am also forwarding copies to United States Attorney General for the State of Virginia, XXXX XXXX. Sincerely, XXXX XXXX.
In XXXX of XXXX my wife and I contacted our mortgage company, Freedom mortgage, to have them remove the private mortgage insurance we have been paying monthly. Our house is valued at {$400000.00} with an appraisal less then 2 years old. We owe {$320000.00} which would place us at approximately 78.9 % loan to value ratio. 

We sent a written request on XXXX/XXXX/XXXX to have this removed. They replied on XXXX/XXXX/XXXX stating they would respond within 30 days. It is now XXXX/XXXX/XXXX and we have not gotten a response. We have contacted them and they said it would be at least another week for a response. 

Freedom mortgage has already told us in the past they would be using the original loan amount of {$350000.00} to determine our home value, even though we have an appraisal. We took out the loan after saving a substantial amount for a down payment. We would like assistance getting a response from them and ensuring they follow federal law in regards to the loan to value ratio. Our loan is a conventional 30 year fixed rate mortgage.
Hello Team, I initiated the transaction # XXXX to transfer the money {$9000.00} from USD to INR on XX/XX/2018. Later on, i had to cancel the above mentioned transaction on XX/XX/2018. I was promised that refund process may take up-to 3 business day but not more than 7 business day.

During this time frame, i tried to call customer representative of Western Union and i also dropped the mail asking for money refund and every-time i was asked wait 24 hours to 48 hours more and issue will be solved on priority.

As now its going to more than 13 calendar days and still don't have any clue where is my money, I am really losing all hope now to get my money back from Western Union.
WRONGFUL FORECLOSURE # XXXX they changed the number from # XXXX ( Which I believe was changed for non tracking purposes ) WELLS FARGO HAS BEEN UNDER SCRUNITY FOR SOME TIME NOW AND IT APPEARS THAT NO ONE IS LISTENING TO THE CONSUMERS. 

WELLS FARGO 'S LASTEST ADMITTANCE TO A GLITCH IN THE SOFTWARE ON THEIR COMPUTERS IS THE REASON THOUSANDS INCLUDING MY FAMILY HAVE LOST THEIR HOMES. 

I HAD OVER {$200000.00} WORTH OF EQUITY AND OWED $ XXXX LEFT ON PAYING A LOAN FOR APPROXIMATELY 20 YEARS. 

I SENT IN COMPLAINTS ABOUT THE PROCESS MULTIPLE TIMES AND NOW THEY ADMIT TO WHAT IM SURE THOUSANDS OR MILLIONS HAVE COMPLAINED ABOUT I WANT MY HOUSE BACK OR COMPENSATED FOR THE EQUITY LOST BY THIS MORTGAGE DEBACLE.

Below is another complaint attached.

Subject : Wrongful Foreclosure ( Loan apart of the ones with the Glitch ) that didnt get modified and eligible This is a request to review the process of how Wells Fargo Home Loans has intentionally request the same documents and placed the account on some type of restriction allowing the representatives working start the process over and over again at or

about 60-90 days.
My Loan was a block Urban Renewal program which should have had some type of protection attached. The town we purchased in was considered an urban renewal block not section but they designated a few blocks in the town to promote home ownership to rebuild the area. Which is now very much built up.

Our house had over {$200000.00} work of equity and the loan should have been modified per the Governments ruling in 2008 but was in the bulk of loans just reported that there was a Glitch in the system and none of the eligible loans were modified but steam-rolled straight to foreclosure.

Please respond with opening up a thorough investigation into our unfortunate situation. 

Thanking you in advance for you immediate attention to this XXXX XXXX. 


XXXX XXXX XXXX or XXXX XXXX XXXX XXXX