WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX. I moved to an apt complex that did not allow dish on the roofs of building and my apt faced the wrong direction for the dish to work on the patio. XXXX could not furnish the TV service. therefore not my fault. They broke the contract by not being able to provide the service. My bill was paid in full til this happened
On  XX/XX/XXXX  I called  Chase  customer service to check on my account and get log in information as I had not logged into my account in years. I spoke to several agents and explained to them that I do not have my username or password or credit card account number as I had not had this information since the last time I was able to log into my account which was in  XX/XX/XXXX . They kept telling me that I need to speak to a specialist to give me a code in order to log in, after being transferred and in frustration explaining the situation to at least 4 different agents none of which could help me log back into my account, I was told that my account was past due and I have late charges exceeding {$170.00} and it was not clear to me how much my monthly balances were as they told me several different amounts all exceeding {$100.00} a month. I asked why as I was told my minimum payment amount would be {$50.00} every month ( my credit card balance is about {$2000.00} ) and all they said was that I had a past due amount in  XX/XX/XXXX  which I paid and cleared up all extra fees and was then told the minimum fee would continue to be {$50.00} stated clearly by the agent. They did not inform me in any way or in writing that my monthly minimum amount due would be raised nor that I would be charged extra fees and I continued paying {$50.00} every month unaware of all these extra charges. I explained to several Chase supervisors that they should have informed me of these charges to which they answered that they sent me emails to the account in which none of the representatives ( conveniently so that I could not see my account to dispute this in my opinion ) could help me log into. They also stated that they sent me letters to my home which were never sent nor received. This is clearly a matter of deceiving the debt payer to continue paying fees and late charges unknowingly for as long as possible. I demand to see statements of what I have been paying for over 6 years and a statement of all the fees and charges in detailed explanation as well as certified receipts of letters that Chase has sent to me informing me of my " late fees and all other charges '' not related to my payoff amount otherwise I will not be sending my hard earned money paying off " late fee '' scams and new minimum monthly amounts that  Chase  raises without notifying the payee.
Nelnet is continue to put false information on my credit report. They say they have a promise note that I am sign for. I am questing that Nelnet pick one day out of month of XXXX, and we meet in XXXX and have expert look at promise note and I will be able that it counterfeit promissory note. I think it wrong for Nelnet to try against of XXXX people.
I made a purchase and opened a new account with Kay Jewelers on XXXX. I received my first statement due in XXXX that reported to my credit as over the limit because I was not told my total credit limit but XXXX added additional insurance to my card since the company allowed those things to be added to the tune of {$1800.00} additional added to my card. I am in process of closing on my home and was told by me loan servicer that I needed to make a payment of at least {$2800.00} to bring the balance down prior to closing. I went to the store to make the payment on XXXX/XXXX/XXXX at XXXX and was told by XXXX XXXX the CASH PAYMENT of {$3700.00} would post immediately to my account. It is now XXXX/XXXX/XXXX and my payment has not posted to my account. I am getting the run around between XXXX credit and Kay jewelers being to that my payment was posted to and old account number and their accounts number have changed. ( How did I get an old account number for a new account?? ) It could take up to 5 business days for a CASH Payment to post. XXXX XXXX was provided the receipt for payment made and can see that the payment is posted to a so called OLD account number and has yet to process my payment. I have made multiple calls and there is still no assistance with this issue. THIS IS ABOUT TO CAUSE ME TO LOSE THE CONTRACT ON MY NEW HOME BECAUSE THESE PEOPLE ARE NEGLEGENT IN PROCESSING PAYMENTS!!!!
Bank of America owes me money for overpayment. I have waited on the off chance they would not be as shady as they have been in the past and refund on their own. But unfortunately, they are true to their nature.
In Bank of Americas on written words, in their response to CFPB of a recent complaint I filed through CFPB the following statements were made : This account was closed by the bank, with an outstanding balance due of {$290.00} on XX/XX/XXXX.
They also stated and a quote : On XX/XX/XXXX, Bank of America exercised its Right of Setoff by using the {$25.00} balance recovered from your savings account ending in XXXX and the {$100.00} balance recovered from your checking account ending in XXXX, to offset part of the {$290.00} outstanding balance on your MyAccess Checking account ending in XXXX. The outstanding balance remaining on this account is {$160.00}.
Another lie from Bank of America, as stated in their own written words : We have confirmed that as of the date of this letter, your checking account ending in XXXX was accurately reported to XXXX XXXX The date of the letter was XX/XX/XXXX On XX/XX/XXXX, the balance Bank of America reported to XXXX XXXX was paid in full in the amount of {$290.00}, as reported by XXXX XXXX. Yet in Bank of Americas on written words the balance was {$160.00}. Bank of America owes me {$120.00} for an over payment of the account as Bank of America reported to CFPB and to XXXX XXXX.
Proof of Payment to XXXX XXXX with deliver confirmation attached.
In XXXX I had lost income and was 5months behind in mortgage. I worked very hard in catching these payments up with 2 left to pay XXXX took it apom themselves to pay my taxes and got insurance for my home and without my knowledge. I had insurance on my home and have til XXXX XXXX to pay my taxes which I have done for XXXX now. I called to straighten out this disaster in finding out my mortgage jumped from XXXX to XXXX monthly. 
I am so upset and now XXXX behind and late fees keep accumulating. I ca n't get any help for a loan because they have posted this to my credit report. I 've asked to add balance to end of loan so I can get things back on track. What can I do???
Incorrect Personal information : Name should be- XXXX XXXX Address should be : XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX. 
Employment should be : XXXX. 
Status divorced should be removed. 
Address Identification No. & accounts showing as mix match is derogatory and should be removed from my credit file. 
Problem with fraud alert or security freezes placed without my authorization should be removed. 
Showing a delinquent account when it's not. 
Account balances being reported incorrectly. 
Lenders management of accounts reporting incorrect information causing negative impact to credit files. 
Payment sent timely but showing as a late payment. My payment was sent in my correct name and address as for 8 years but account # was changed by the company and I notified them I mixed up the account number instead of contacting me they returned the payment instead of applying the payment. 
Hard inquries made without authorization : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; Information. Research XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
On XX/XX/2016 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the XXXX bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! We decided to just go ahead with it. When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. We thanked them for their time, and were about to walk out when they had to adjust the selling price to get us approved by the bank at the lower interest rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through XXXX bank with XXXX hard inquiry
I recently noticed a collection account from XXXX XXXX which I have no such account as described in the reporting to the credit bureaus. I know this must be Identity-Theft or a serious error on their part. I am not the owner of such an account with XXXX.
Portfolio recovery is calling me non stop using various area codes XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Sometime theycall as a ptivate caller or unknown caller. they call2 timesin the morning, afternoon and evening up to XXXX at nightand saturday and sunday.. I sent a letter to XXXX  XXXX, along with the name of my bank and my account number showing that my income of social security was, indeed, under the protected status which my social security income could not be touched forant reason by any bill collector. this information should have been conveyedto portfoliorecovery when they sold them my account.. once again thank you for your help company address XXXX XXXX XXXX XXXX va XXXX
They have not removed false information from my report that XXXX removed already. They make it hard to dispute information plus my personal information was compromised because of their recent breach.
I have been ordering a payoff statement from Selene Financial since XXXX XXXX and still have not received it. I need the statement to complete my refinancing. Today ( XXXX XXXX ), Selene told me it would be another week ( 5-7 business days ).
On XXXX 2017 My XXXX sent a certified check via overnight mail to Citibank-in the amount of {$7500.00} to address : Citicards, Citibank / XXXX XXXXXXXX XXXX  XXXX, XXXX, KY,XXXX. The check number is : XXXX again in the amount of {$7500.00}. I have called over 5+times to ask where this payment is-thus far, " no payment has been found '' -this is a lie, as my certified tracking shows mail was delivered. Where is my payment? XXXX XXXX
I have a paypal smart connect account. I can view all my transactions online and today i was looking at my account and i was missing XXXX dollars so i called the paypal smary connect customer service to see where was my money. So when i reached a coustomer service rep i asked why i was missing XXXX dollars and he told me i made a purchase on XXXX XXXX for XXXX dollars and i told him from where and he said i dont have information to give u and i told him what do u mean u dont and why i cant see it .. And he said i would have to wait 2 to 3 daya to see it in my account and for them to have more information and i told him i never purchased anything for XXXX dollars and i always get an email ...
On XX/XX/18, I received a letter from Affiliated Creditors Inc. stating an alleged debt in the amount of {$56.00} from " XXXX XXXX XXXX. '' This alleged debt came in response to my prior landlord giving me the ability to move out a day late, which was given in good faith over the phone on a recorded line. On XX/XX/18 I disputed the charge via an email to " XXXX  '' ( attached ). In this email, I included facts and proof of this conversation and agreement. On XX/XX/18, I was contacted back from ACI by  XXXX who informed me that I was still responsible for the debt. She could not provide me any insight or verification about the alleged debt since my supporting documentation. After reviewing the FDCPA, specifically section 809 which deals with the validation of debts, I called back to speak with XXXX on XX/XX/18 to ask for the " verification or judgment '' that was supposed to be mailed to me after my dispute. She became defensive and asked where I was getting this information. When I informed her this was from the FDCPA, she laughed it off and said " I will send you what I have. '' I asked what this was, and she asked what I had. When I told her I wasn't trying to play games, but simply wanted the verification of the debt, she said " I'm not fighting with you over {$56.00}. '' While this {$56.00} may not be a big financial burden for XXXX, it is to others. If {$56.00} isn't that big of a deal, than perhaps she should pay it. Regardless, she was only able to tell me that " there was nothing in writing because it was a conversation the apartment manager and their associate had over the phone. '' If this is the case, how am I as a consumer supposed to have any clarity to the debts in question? I doubt I will receive any further correspondence from her or ACI because of the way in which she handled herself. As a consumer, this worries me not only due to the financial nature of this ordeal, but also the credit implications it could have on my credit history. While XXXX may not take {$56.00} and a credit report seriously, I do.
I have received numerous call from this company called XXXX XXXX XXXX. They call me multiple times a day from different numbers while I 'm at work. I 've explained to them on more than one occasion that since I work in a XXXX that I can not except calls during the day, which they continue to ignore. They are often times rude during the few call that I have taken. They also for several months now have threatened to take me to court and claim to also be in the process of verifying my place of employment. I have searched this company online and have found that they have been involved in numerous scams. I am not sure what else to do or if this company is legit.
I had XXXX XXXX credit card that I closed in XXXX. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.
In spring XX/XX/XXXX I took a conventional 30 year mortgage with Bank of America NA. At that time I attempted but was unable to set up online access via the internet in order to make my monthly payments. 

In XX/XX/XXXX I recontacted BofA and again attempted to set up online access to the mortgage to make my monthly payments. Numerous phone calls to BofA locations in XXXX, NY, XXXX, TX, XXXX, NC, Montana, XXXX, AZ in XX/XX/XXXX through XX/XX/XXXX and most recently XX/XX/XXXX with customer service ( in XXXX ) I am advised that their Technical Team ( XXXX XXXX ) is still unable to make this happen. Their case number for my request is XXXX. 

I continue to make my monthly payments via US Mail but would prefer to use my BofA online account for ACH/electronic payment. Thank you
This is in regards to CFPB complaint number XXXX. You marked it as duplicate. This complaint is NOT a duplicate. The complaint is as follows ... 

I have several unauthorized ATM transactions on my PNC SmartAccess debit card. I filed a claim with PNC and it was apparently denied. I called to ask why and they said its because of previous spending pattern. I have no control over how or where a criminal used my stolen debit card. Now, you should also be aware that PNC alerted me to the fraud! They would only do that if the spending pattern was unusual. Now they change their mind because they dont want to honor their zero liability policy. The transactions Im disputing are {$500.00} from XXXX on XX/XX/2018, {$500.00} from XXXX XXXX on XX/XX/2018, {$500.00} from XXXX XXXX  on XX/XX/2018, {$500.00} from XXXX XXXX on XX/XX/2018, and {$500.00} from XXXX XXXX  on XX/XX/2018.
I have paid over {$3100.00} in fees and interest on a loan over the last 5 months. 

I took out a Title Loan on my vehicle through Title Max in XXXX XXXX for {$5000.00}. I was told be the representative this a 24 month loan. My payment is $ XXXX over 24 months. At the time I was in a XXXX expecting my pipeline to close. Unfortunately, my loans did not close as expected. 

I have made over 7 payments totaling {$3600.00}. My balance is STILL {$4500.00} from the original loan amount of {$5000.00}. 

I fell behind less than 30 days and Title Max sent me documentation to SURRENDER my vehicle. A XXXX BMW 525XI that I own. 

These company 's need to be fined to the extreme for what they are doing to the public. I thought worst case ... .I pay $ XXXX/mo over 24 months Title Max makes {$7400.00} on the car I own. 

PLEASE PLEASE!!!!!! FINE this company and shut them down!
In reference to Complaint -- XXXX IDT CLAIM XXXX ( CC # XXXX CHECKING # XXXX XXXX OCC CASE # XXXX FTC # XXXX U.S. Bank response is  the Judgement, OR ORIGINAL COMPLAINT IS THIS. THE JUDGEMENT DID not originate from U.S. Bank, but instead originate from XXXX XXXX XXXX. ARE YOU SERIOUS? IT CAME FROM U.S. BANK. IT 'S PRETTY OBVIOUS IT DID, B/C YOU GUYS ISSUED IT DIRECTLY. In addition to that, FTC Laws require U.S. Bank to produce documents of their investigation, notes, files, etc.. 30 days from XXXX XXXX2017 should already be received by XXXX XXXX,2017, where are those documents and records at? u.s. bank also states its not identity theft b/c I knew the suspect. INCORRECT, IT 'S IDENTITY THEFT B/C HE STOLE MY IDENTITY, AND OPENED AN ACCOUNT WITHOUT MY KNOWLEDGE USING MY IDENTITY, I IN ADDITION TO TAKING SCHOOL LOANS, BY STEALING MY IDENTITY TO DO IT, AND RECEIVING SCHOOL REFUNDS AS A DIRECT DEPOSITS INTO THE ID THIEF ACCT # XXXX. THEN HE CLOSED IT AFTER HE RECEIVED THE MONEY. I REPORTED ALL THIS TO THE POLICE DEPARTMENT AND IS IN THE POLICE REPORT ALREADY. YOU GUYS HAVE ALL THE DOCUMENTS.
They call me on an XXXX # then tell me to call another # and say " This is a Debt Collector Trying to Collect a Debt ''
On XX/XX/XXXX, I wrote a letter to all three bureaus, asking them to investigate mistakes on my credit report. To date, only XXXX XXXX has responded. I still haven't received anything from XXXX or Experian, despite writing 2 follow-up letters.
I have been contacted by a company that goes by the name of Premier Recovery Group. They are stating that I owe money to an online loan company that wired money into my account in XXXX of XXXX. I told them that I 've only taken out a loan from an online company once and it was in XXXX and I paid the company back in full. I told them that I would look through my bank statements. I went through my bank statements and only had deposits from the company that I worked for. I called the company back to verify the bank account and then told them that there was never a wire into my account. They said that money was wired to my account and asked how i wanted to settle. I told them that there is nothing to settle other than the fact that I never received a loan at that time and that I was happy to send them my statements. The person gave me a fax number that was disconnected. I called back to ask why I received a disconnected number and to ask for their agencies license number. The person told me I was given the wrong fax number and that he did n't have the license number and was n't where aware there was one. I asked him to transfer to someone that could give me that information. The person over operations said she was not able to give that information and that it was private. I told her that is all I needed to know. I checked the second fax number it is also disconnected. This company is a fraud.
I have a loan with XXXX XXXX XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion and XXXX XXXX XXXX  with no successful resolution. XXXX  and TransUnion only reporting me late. There was definitely an error on their part. I was never 120-149 days late since XX/XX/XXXX to XX/XX/XXXX.
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed XXXX, Tran Union and XXXX  showed Chapter XXXX Bankruptcy that I find to be problemat. 

I contact XXXX XXXX records and asked them to take action to get this Bankruptcy removed from their records and to erase any public record with all credit reporting agencies. They assured me they do not report any Bankruptcy to any of three agencies.Whatever steps necessary to resolve the issue, but I wanted to contact XXXX XXXX records well, just to make sure this gets done. I have confirm that three agencies use a third party like XXXX to do there investigation. All three agencies has incorrect information and they need to full investigation. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,
I applied for a Wells Fargo Credit Card that offered 0 % for 15 Months on balance transfers, and I was approved, and they automatically trasnferred my balance from my other card. When I get the card and statement in the mail it tells me I was approved for a " cash back '' card, of which I did not apply, that had a rate of 22.15 %. I called and spoke with a manager who says that since I already had a credit card with them that had had a previous introductory rate offer I was not eligible for this rate offer so they approved me for another card based on my credit. I told him I didnt apply for that card nor get an opportunity to deny the card once knowing that the card would be at 22.15 % but he told me that it states that the I may not be eligible for the rate if I already had a card with them that had in the past had a introductory rate. From Wells Fargo website : " Eligibility for Introductory Rate ( s ) and Fees : If you currently have an open credit card account or a closed credit card account with a balance issued by Wells Fargo Bank, N.A., you may not be eligible for the above introductory APR ( s ) or fees. " The problem is that even if I wasnt eligible for the card I was applying to at the 0 % how are they able to take my application and apply it to another card with another rate that I did not approve or know any terms or conditions on?
Honda Financial Services is reporting to all three credit bureaus inaccurate information - showing 60 days - NEVER BEEN LATE.