WillisBack/dataset-financial-user-claim huggingface dataset:
My wife ordered some make up on a trial basis about 8 months ago and checked off the subscription box in error. She received her trial make up and decided she did not like it. We never gave it another thought because I had been diagnosed with XXXX XXXX and were busy with countless trips for treatment and XXXX. I was reviewing our XXXX bill in XX/XX/XXXX and discovered a charge of XXXX for a make up that we did not get. I then back 8 months and saw charges for the same amount. I contact the merchant on XX/XX/XXXX and was rudely put on hold to never return. I called again on XX/XX/XXXX XXXX and spoke with XXXX who said that he would issue a cancel number to us and said to wait on hold. He never returned and did not issue the cancel number to stop the charges. I called XXXX 3 times on different dates for assistance and only have two dates listed on my paper work, XX/XX/XXXX, XX/XX/XXXX. On these calls plus the third call to the bank they acknowledged my complaints, advised me to call if any more charges came so that they could remove them. The bank managed to get someone on the telephone from the make up retailer on XX/XX/XXXX who issued a cancel order number to the bank and I and stated old charges would stay, new charges would be withdrawn. I a conversation with XXXX today I was told by person named XXXX that he would file protest for me but charges will stay. I asked for a new account number and was told charges would still be applied to new account. We have had this card for 6 years and our bill has been paid in full every month. I feel the merchant and today the bank is taking advantage of my age and current health.
on  XXXX   XXXX ,2016 a dispute for a second time was sent to Equifax disputing the tax liens on my credit file asking for validation and verification. Equifax have pointed the finger at  XXXX  different companies but will not take responsibilities for their action of being the ones reporting it to my file. I sent a third letter after receiving documentation and responses from the company their pointing fingers at whom states that they are in no way reporting to Equifax, Equifax still refuses to correct my file even though the companies they are stating they are getting their information from is stating they did n't get information from them. At this point if the tax liens are not removed i will be filing a la w suite at  my local court. I have tried to get my file corrected for over 8 months and this has caused me a great deal of  XXXX . By law Equifax suppose to verify and be able to send documentation of any and everything they report on your credit file, which in this case they failed to do so.
I told citibank I was unemployed and having trouble paying my credit card bill. So they 've been harassing me with phone calls before XXXX asking me repeatedly why ca n't I make my payment. I tell them the same thing every time. I 'm unemployed, do n't qualify for unemployment and have no funds.
I am in a Chapter XXXX repayment plan. My mortgage was sold in XXXX from XXXX to GreenTree.I received an escrow adjustment letter from GreenTree stating I have a {$2600.00} shortage in escrow and my payment will go up {$170.00} per month if I do not pay them the shortage. I called and asked what bill increased as I had checked with my Insurance and taxes. They stated that they require a " cushion '' of {$3900.00} in escrow and if I did not pay it then my payment will go up. It was not my choice to be transferred to GreenTree, I do not have {$2600.00} to pay and I can not afford another {$170.00} a month simply to cushion the account. If I pay the {$2600.00}, my payment will drop to {$1300.00}, this is {$50.00} less than what I pay now. I asked how much I can pay to just stay the same an they said that is not an option. I feel like this is blackmail. In this scenario, EVERY mortgage transferred to GreenTree will have to pay a huge fee or suffer a big jump in mortgage payment. It was not my choice to be transferred. Please advise.
In XXXX of 2017 Pacific Union Financial spoke with a party who was not on my loan. They gave loan information and attempted to secure a loan for the person NOT on the current mortgage. I received a quick claim deed via overnight mail for me to sign in order for the home to be deeded in the other person 's name so they could secure the loan. At NO TIME did Pacific Financial attempt to contact me for permission or verification. The first contact I had from them was the quick claim deed. Obviously I did not sign the quick claim deed. Had I signed the quick claim deed the property would 've legally belonged to the other party with me still being responsible for the mortgage. Had the other party not been able to secure the loan I would be financially responsible for a home I had no legal rights to. 
I have since decided to sell my home and am in the process of doing so. I have repeatedly asked for my payoff documents. They have assured me they would be sent by close of day on multiple occasions. They have not sent them. They spoke with the title company who also requested the documents and assured them they would be sent. They were never sent. I then requested to speak with a supervisor I was told there was n't one available. I advised them I was going to file a complaint. After that phone call the title company again tried to get the documents at which time they advised them they could not talk to them because there was not an authorization on file. Interesting that they had NO problem disclosing my Mortgage information to anyone prior to me stating I was going to file a complaint. 
My mortgage was in good standing, I have NEVER missed a payment nor have I ever been late. 

I have email documents showing communication, as well as the quick claim deed that was sent. I am unable to send them from my phone ; however I can provide them when requested.
Caliber Home Loans communicated on XX/XX/XXXX they will now be charging customers a {$3.00} transactional charge for any one-time payment ( reoccurring payments and mail-in are exempt ) starting XX/XX/XXXX. To be clear, this is charging someone for wishing to pay their loan on-time through " normal '' re-payment means ( online payments ). Further, it penalizes those who wish to make additional principal payments through the year. This is a anti-consumer fee, and is making one-time principle payments more difficult. 

I don't believe this is violating any existing rules, but I am submitting this complaint with the hope rules will be crafted to restrict mortgage companies from charging fees to customers who are simply trying to pay their mortgage.
My family and work received calls from scammers claiming to be XXXX on the verge of XXXX my property for a debt. They also called my work and harassed them claiming to be a law firm. My boss told me to take care of it immediately as calls like that were unacceptable at the workplace. I paid {$900.00} to supposedly a XXXX law firm. My wife called shortly after and said she called XXXX directly and not the ( XXXX ) number left and was told it was a scam. I spoke to sheriff and called bank to stop transaction. Even though I explained the person I gave info to was not who they claimed and I had been scammed the bank would not stop transaction. Furthermore the bank would not let sheriff have access to my account and when disputed claimed it was not fraud because I received what I paid for. I paid no debt off, my money is gone and the company that actually took the money out was not XXXX or this XXXX law firm it was western portfolio. How can they get away with this and how can XXXX Bank get away with claiming it was n't fraud.
I have contacted the bureaus are several locations about accounts that were supporting to the credit bureau on my behalf these accounts or allegedly not mine I have no knowledge of these accounts and most of these accounts were settled in my divorce when I divorced my wife five years ago I would like to have a cow still be removed from my credit file and my credit file update to show accurate and correct information the accounts or Louisiana Child Support, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX contacted me disguised as a third-party under the name of " XXXX XXXX XXXX '' stating they had a court summons in hand and that they would be at my home and place of work in 24 to 48 hours to serve this summons. This is a violation of sections 806 and 807 of the Fair Debt Collection Practices Act. I have attached the voicemail as well, as evidence. If sound files are not allowed as attachments, I have attached a transcribed message of the original voicemail received on XXXX/XXXX/16 @ XXXX PST.
I am on auto pay and pay my entire lease bill through the autopay feature directly through my checking account monthly. Each month for the past several months, GM Financial has sent me a bill for {$32.00}. Each month I call and sit on hold waiting forever to get through to the call center because they are experiencing, " Unusually high call volume. '' Each month, they tell me they're going to remove the amount. Each month, they tell me it will not happen again. 

Then, the next month comes and I get a bill for {$32.00}. This is attempted theft. I have no doubt that there are people out there paying this erroneously billed amount. 

This month, my bill for {$32.00} came with an additional " PAST DUE '' amount of {$380.00}. 

I called again and learned I'm not past due ... that it is my vehicle 's " property tax '' and I have a year to pay it.
I have XXXX cards from Capital One, this bank has the audacity to levy an interest rate increase and begin to charge an annual membership fee at their will. When I first received the credit card there was no stipulation on interest rate increase and membership fee. If you review my statements you will notice when cards was first issued there was no increase in APR and no membership fee. My credit is very good and I have repeatedly emphasized this to Capital One Bank- my credit worthiness is acceptable. I have contacted Capital One- their reply is Not reasonable and has no sense. 
I had the opportunity to combine my credit card and each attempt was denied I did asked the customer representative if I qualified and was told several time that I was, these events are recorded.
I purchased several items at Macy 's with their store credit card and there was some confusion about what exactly was owed due to an overlap in purchases and returns. I was therefore charged late fees and interest charges on my XXXX 2017 bill. 

I called the company in XXXX to discuss the situation. I was agreed I would be given a {$120.00} credit, if I paid my balance in full. I went to a nearby Macy 's and wrote a check for the amount of {$7100.00} on XXXX XXXX, which was cashed and should have brought my balance to {$0.00}. 

In XXXX I received a bill for {$32.00} in interest charges. I called the company on XXXX XXXX, and talked to operator XXXX. It was agreed that the charge should not have been made and that a credit would be issued to bring my balance to {$0.00}. 

In XXXX XXXX I received a bill for {$61.00} for the past balance plus new interest and fees. I called the company on XXXX XXXX and talked to operator XXXX. It was agreed that the charge should have not been made and that a credit would be issued to bring my balance to {$0.00}. I also requested that my card be cancelled and that I be sent a letter stating my balance was {$0.00}. The card was cancelled and a letter was received to that affect, but there was no mention of my balance being settled. 

In XXXX I received a bill for {$98.00} for the past balance plus new interest and fees. It 's therefore obvious at this point that the company is not adjusting my balance as agreed to on XXXX separate occasions.
XX/XX/2017, i made several phone calla to XXXX XXXX XXXX about this that this is a identity theft, explained that i never been to Texas ever and I'm not a woman because its a woman names come with it. Until one day i spoke to someone in XXXX XXXX XXXX loyalty department and told me just disregard it, thats XX/XX/2017 when i had the conversation with XXXX XXXX XXXX loyalty department, I though thats the end of it.
For some time, I have been having tremendous problems with American Express Serve I can not get anything put into dispute, no matter the situation. The customer service representatives are rude, disrespectful, and adamant about not doing their jobs, despite the fact I am NOT being rude to them. For instance, day-before-yesterday, I called to put some items in dispute - charges I did not recognize. I spoke to XXXX, who immedIately said she would review my account. Go over the entire account! Huhn!!!! Just because I wanted to dispute items? What does one have to do with the other??? She was disrespectful - and told me she needed to transfer me to account protection. XXXX is a supervisor. You 're telling me that she does NOT have the power to dispute charges and needed to transfer me? I want HER FIRED, because of rudeness and dereliction of duty! I want the abuse from Serve to stop. I have already made the decision to leave and are waiting to get my new pre-paid card.
Dear PENN CREDIT CORPORATION, You are in violation of my consumer rights and willfully listed a debt I have never incurred. Furthermore, there was never a notice given to alert me to this supposed debt. I received no letter from your company about the alleged debt. My account with XXXX has never been late nor have I ever left a bill unpaid in the 4 years I received electric service. I moved across the country on XX/XX/2018. At which point my account was closed and completely paid. My attempts to dispute this matter directly with you have been unsuccessful. Shame on you. 

Sincerely, XXXX XXXX XXXX
Navient wants to sign me up for a new payment program, but will not give me any information in writing about the program. Everything needs to be over the phone, which does n't allow me to keep track of what they tell me and how my payments will be handled. We have submitted all of the documents that have been requested of us to Navient. I have requested information on the next steps over email. All I am told is that I need to call the office. This gives me no control over what they say or tell me, or how I am supposed to prove what they say and tell me at a later date. I have already received conflicting information about my account when I called their office the same day.
Since XX/XX/XXXX I have been attempting to clear up the effects of identity theft. There have been many names, social security numbers, addresses, phone numbers and accounts on my credit reports that are as a result of this identity theft. I also have been made aware that I have a split file that Equifax claims to be unable to fix.

Issue 1 - In XX/XX/XXXX I had a disputed tradeline ( XXXX  ) deleted due to inaccurate reporting. The creditor attempted to delete the tradeline several times, but Equifax did not process the deletions due to the split file problem. This tradeline is now on my 2nd split file only. Resolution requested - It should be completely deleted.

Issue 2 - At the beginning ofXX/XX/XXXXI received a notice from XXXX that my credit score had dropped 200 points. I pulled my credit report through Equifax directly and saw that all of my tradelines were gone, and only 3 new collection tradelines were listed. When I called to find out what had happened I was advised that I had a split file. I have submitted my ID and Social, as well as address information, etc. and Equifax keeps sending me letters saying they are unable to fix my split file. Resolution requested - Immediately fix my split file.

Issue 3 - On XX/XX/XXXX I faxed another fraud block request for these new accounts. Included were my police reports, FTC Affidavit, proofs of address over the last 8 years, driver license, social security cards and a cover letter. I have been advised that this process will take 30 days. I have advised Equifax, in the request and over the phone, that this is a 605B request and that they have 5 business days by law. Resolution requested - Immediately process my 605B fraud block request.
On XX/XX/2018 we closed on XXXX XXXX XXXX XXXX XXXX KS XXXX which paid off the mortgage to Ditech Financial LLC account # XXXX. However, Ditech never refunded the escrow amount of {$440.00}. I have sent emailsXX/XX/2018 and XX/XX/208 and made phone calls XX/XX/2018,XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 with a promise the amount would be refunded but it never has been refunded. Ditech Financial LLC., XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, XXXX.
After taking out an installment loan through Tower Loan company I started a new job and have been struggling with payments waiting on my first paycheck. The creditor has began harassing myself as well as family members. The creditor has also discussed personal account information with references on the loan without my permission.
I was looking my credit score throughout XXXX XXXX and noticed few hard inquiries that was made without my consent and i believe that someone is trying to use my identity for financial manners. These are the one I found on my report today XX/XX/XXXX by XXXX   XXXX XXXX XXXX ( XXXX ) Type : Automotive Date : XX/XX/XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ( XXXX ) Type : Bank Date : XX/XX/XXXX XXXX XXXX, IA XXXX XXXX ( XXXX ) Type : XXXX XXXX XXXXAutomotive Date : XX/XX/XXXX XXXX FL XXXX XXXX ( XXXX ) Type : Finance Date : XX/XX/XXXX XXXX TX, XXXX
Bank of America loan #  XXXX  was reported as closed which has negatively impac ted credit score. Th is needs to include an explanation of why it was closed such as the loan as been Paid in Full. By an explaination not being given it looks as though the account was just closed due to being sold which it was not. Please include a statement on my report that explains the account was Paid in Full by me.
I went online to open a Schwab Bank High Yield Investor Checking Account on Wednesday XX/XX/2018, per the advice from the banker I spoke to over the phone. After entering all of the required information, a Terms & Conditions disclosure screen displays. The screen has several section 4-6, with each section requiring lengthy scrolling and acknowledgments of each section, prior to opening a checking account with Charles Schwab. After I opened the account, I was prompted to set-up my online login information ; afterwards I was in my account Dashboard. 

Within 5 minutes of doing this, I received two email alerts from XXXX and XXXX  stating that a hard pull was just performed on my credit report from Charles Schwab Bank. This, in my opinion, was not a truthful or transparent transaction that occurred with this bank. See attachments of online sign-up process, note the lack of disclaimers at multiple consumer touch points. 

Immediately, I reached out to the bank through their " Live Chat '' feature to inquire about what had just occurred. The support banker simply stated that on line 17, or section 17, there was a notice that Charles Schwab bank can, will, and plans to use  the customer 's credit information how they seem fit, and at will, in order to make proper financial decisions. 

I believe Charles Schwab Bank should be held to the same standards as other Bank, Credit Card companies, Loan Products/Companies, and even Instant Loan Companies who offer any sort of credit inquiry products. Currently, these financial  companies clearly and transparently state the affects its/their products will have on the consumer 's credit BEFORE a transaction is started or completed.
I recently obtained my credit report and found several errors I contact credit reporting company to have item corrected however there was no response after 45 days the items in dispute are below and on attachment Confirmation # XXXX 1 ) Please remove all non account holding inquiries over 30 days 2 ) please verify and update the balance, payment history and current status on all accounts below as the information on file is incorrect ...

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both accounts need balance and history update Thank you
I received a phone call today from XXXX XXXX with AR Group at XXXX ext XXXX calling for my brother. He has not given out my phone number and I told her that I did not want debt collectors calling me for my brother. She stated several times that she was not a debt collector and that she needed to talk to my brother, I told her to call him then since she had business with him. She said she had several numbers, he has had the same number for 10 years. I then searched the company and phone number she called from and they are indeed listed as a debt collector. I do not want them calling me again.
Accounts were added to my credit file that does not belong to me. Accounts are listed below : 1. XXXX XXXX XXXX {$10000.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX {$1800.00} 4.  XXXX XXXX {$1400.00}
1. Company name : XXXX/XXXX on XX/XX/XXXX.  I did not apply for any services from XXXX. I do not know who has my information but I did not authorize this. 

2. Company Name : XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. I was in the process of buying a home and could not apply for anything at all. 
3. Company Name : XXXX XXXX/ XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. 
4. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services and did not authorize this. 
5. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services with this company nor did I authorize this. 
6. Paid Tax lien of {$64.00} from XX/XX/XXXX. I spoke with a rep from XXXX about this and they refused to help. This was removed from my other credit reports and they would not let me explain anything or try to resolve this issue. My other Paid tax lien for a larger amount was removed with out a problem. 

Any my address is definitely incorrect.
On XXXX/XXXX/2016 Nationstar illegally withdrew from my checking account two mortgage payments illegally from my checking account. I had only authorized for one payment yet they took two payments which made my checking account go into a negative balance. Luckily my bank notified me in the same day which was very frustrating to resolve. In the interim i had contacted Nationstar to advise them of the problem and advising them of their illegal attempt to take more money from my account than authorized. After i had notified Nationstar their response was to freeze my checking account which does not allow me to make a payment for this month and forcing me to go further into default. The fact that i am not able to make my payment on line shows the ill will the lender has against me that is a minority. I am appalled and shocked that an error that was discovered to be " their '' fault has penalized me from making a payment for this month. In this connection, i was also charged a NSF fee and other fees on my loan that i think is unfair. I have also written to this lender asking them to provide me a breakdown of the XXXX 2016 mortgage payment to which they have refused to respond. I am asking that you please look into this incident as i think their treatment is very unfair. In closure, please not that this is also forcing me to pay additional fees as i am not able to use the online service.
I ALREADY REQUEST PROOF THAT I MADE THOSE INQUIRIES, I AM ALREADY A CLIENT AND THERE IS NO NEED TO HAVE HARD INQUIRY ON MY CREDIT AND WHY MULTIPLE INQUIRIES? 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX