WillisBack/dataset-financial-user-claim huggingface dataset:
I was sent a letter from Homestreet bank that I was pre-approved for a credit card and that I could apply online. When filling out the online application I saw the offer for a balance transfer and completed the steps. When filling out the creditor information and the amount, there was no prompt that stated there would be fee or a recalculation of my total that included a fee. Today I received my first bill and saw that I had been billed {$130.00} for the XXXX balance transfers that I had completed. Right away I logged onto my online account to review the terms of the balance transfer, to my surprise the only option was to requested a mailed copy of them and wait 5-7 days. I then attempted to do another balance transfer to see if I would be informed of the fee at this point, the website says " Balance Transfers are subject to the terms and conditions, including applicable fees, as previously disclosed in your Cardmember Agreement and/or promotional offer ( if applicable ) made to you. '' This is very deceptive, it does not clearly state what the fee is, how it is assets or even if for sure it will be billed. It refers you to your terms and conditions, a document this company assumes customers will just keep on hand. I called the company and was told that they can not waive the fee because it is valid, that if I had called a spoke with a rep to do the balance transfer then I would have been told over the phone of the fee. Or if I pay off the balance transfer in 30 days then they would waive it. I will pay the fee, if I have to. I just want this company to do better, I think the way this fee is billed is not in a way that is clear to customers and that is not fair. No one should receive their first statement and be surprised.
I have found in corrected information on my credit report, I do not know where these accounts came from, I have tried to contact the companies and they are not willing to help me. XXXX is all the details which is on my credit report. 

XXXX account number # XXXX opened at XX/XX/XXXX for {$370.00} XXXX XXXX A Account number # XXXX opened XX/XX/XXXX {$3600.00} XXXX XXXX XXXX ACCOUNT # XXXX XX/XX/XXXX balance {$0.00} XXXX XXXX account # XXXX opened XX/XX/XXXX balance {$0.00} XXXX XXXX XXXX # XXXX Open XX/XX/XXXX {$990.00}
For the last 9 months or so, Bank of America has limited my online banking profile, causing me to not be able to make online payments properly. Each time a payment is attempted, I receive an error message detailing that the payment can not be accepted due to my account status. The account has never been in bad standing and I do not understand why the creditors online platform does not allow me to make payments in a manner that is convenient and expedient. I have had to call each and every time to make a payment over the phone and often times have been on the phone with service representatives for a period often exceeding 30 minutes in time. 
Bank of American then decided to take adverse action on XXXX of my accounts, closing XXXX out and lowering my credit limit from XXXX to XXXX on the other account. I do n't feel that that action was fair insight of my inability to properly access and use their online platform. Moreover, repeated attempt to correct the issue always seem to fall on deaf ears or seem to be corrected for a day or two.
My first problem is in regards to 2 of my 4 loans, which were originally with XXXX XXXX. They were in forbearance when XXXX took over servicing in XX/XX/XXXX. Two of my loans were listed as having been 60-89 days late, but the other two not. This makes no sense, as I do n't pay these loans individually ; they are all serviced under one umbrella. I 've been told by many different representatives that this was a clerical error, a problem during the transition, etc. I 've submitted documentation supporting my claim ( letters regarding approval of forbearance, the length of it, etc ), but they have not corrected the inaccuracy. The second problem applies to all of my loans. I was on maternity leave in XX/XX/XXXX, and had my loans in forbearance while I was not working. During this time period, I received several calls from agents stating that my loans were past due and I needed to make a payment immediately. I made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and each time I was assured by the representative I spoke with that nothing negative had been reported to the credit bureaus. Nevertheless, my credit report shows all four loans as having been 90-119 days late. I 've submitted documentation supporting my claim, but XXXX has not corrected the inaccuracies. I 've been consistently making payments for over 10 years now, with the occasional forbearance when in between jobs/illness/family issues. I 've provided documentation that XXXX has made mistakes, and yet they refuse to correct them. I 've tried communicating directly with them, and also submitting disputes with the credit bureaus, but ca n't seem to get anywhere. As a result of their errors, I have had to pay higher interest rates on loans, and in some cases was denied outright. I 'm really hopeful that perhaps the CFBP will be able to get farther on this issue. Thank you for your time and help.
I am requesting that the Chapter XXXX on my credit report be removed because it was voluntarily dismissed from my credit report after paying the debt completely off with a five year plan PAID in 2 years paid and dismissed. 
All poutstandin bills were paid off once my property was sold. 
I applied for a loan and was told that the chapter XXXX and XXXX was still on on my credit file which hurt my credit adversely. 
I was also told that I had tax liens on my report which was not true. 

I would greatly appreciate your assistance in helping me a senior to resolve this problem.
On XX/XX/XXXX, {$7100.00} was fraudulently withdrawn from both my checking and savings accounts ( Bank of America ) in four separate transactions. {$1100.00} was withdrawn from my checking account, and three separate withdrawals of {$2000.00} each were withdrawn from my savings account. When I checked my mobile banking account the next day on XX/XX/XXXX, I had noticed this change and immediately submitted two claims, one for each account. I was told that these claims would take up to 60 business days to review.

Since then, as of XX/XX/XXXX, both claims have now been past their 60 business day limit, and throughout this entire time I would call once or twice a week to see if they had any updates. I am shocked to see how someone could fraudulently withdraw {$7100.00} from my account and not have any alerts go off. I have also filed a police report and added it to the claims, but no further updates have been received on my end. I was told that they would have the results of the review for me, but it has been radio silence on Bank of America 's end. This has been extremely frustrating for me, as they are taking so long to review my claims and I am short {$7100.00} dollars.
I purchased a car after filing Bankruptcy in XXXX, I purchases a XXXX ... XXXX I lost my job and nearly lost my life ... I was homeless got behind on my car not which I had to live in after having a place to live.. I contacted NATIONWIDE SOUTHEAST Financial Company to assure payments will be made and they were. I was in accident XX/XX/XXXX, Although I was not injured my car was hit not bad however.. I contacted my insuracne company and proper party to get my car repaired. After going the hardhsip and two accidents in the month XXXX i advised them to picked the car up after it get repair, and that I no longer can afford the payments because I was homesless amost a year and needed to keep a roof over my head .... The first week I was constantly got calls and i was told once the car is sold I will be responsible for the balance.. I check my credit and they XXXX for XXXX..And my balance is XXXX ... I was taken advantage of there is no way a XXXX is worth or should be XXXX dollars .... This is hendering me from getting any kind of car, I sent you all a copy of whats on my credit ... 
Account # XXXX Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated XX/XX/XXXX Original Balance {$27000.00} Monthly Payment - Past Due Amount {$2500.00} Highest Balance - Terms 66 Months Responsibility Individu
In XX/XX/2011 I got a loan from CashCall in California. I had to go into the office in XXXX and pay every month XXXX.For two years. I heard they were illegally charging too high interest so I stopped payments. Now 7 years later I need a charge off letter from Cashcall to get a home loan.
They offer me Load that were crazy First Loan offer would be paid off when I was XXXX Second loan offered was 20 years then a ballon payoff of {$75000.00} when i was XXXX Plus in 2014 Ocwen agree on a settlement of XXXX XXXX that the company to pay penalties as well as undislosed financial relief to borrowers which i never seen a XXXX of
XXXX   XXXX   is a collection Agency on behalf of Drive Time. This is a vehicle that had been repossessed and it is continuously being re-aged into my credit. This is a 8 year or more debt which the vehicle was returned and resold. The company continue to report as a charge off and derogatory reporting. The statue of limitation has ran out with the negative reporting on my credit reports. I continue to asked the collection agency and creditor to delete from my account. The creditor and the credit agency has yet to remove from my credit. Inaccurate reporting and missing information
This is the third time I've applied for one of your credit cards and the last 6 months and I know that probably seems a little excessive but at this point it's the principle of the thing you keep telling me you can't verify my identity I don't know how that's possible even if I had transposed and number or letter somewhere on the first application there's no way I made a mistake on all three applications it just isn't possible and believe it or not years ago I had an HSBC credit card account in good standing and you sold it to XXXX XXXX which means that I was a customer of yours at one point with the same date of birth in the same social security number when I fill out the application you have me put in my Michigan state ID information so are you saying that the state of Michigan doesn't know who I am I have a passport I travel all over the world are you saying the federal government doesn't know who I am because I give these government agencies the exact same information that I'm giving you and they're able to verify my identity but for some reason you are not and whenever I call your only solution is for me to reapply you never know why like I said it's the principle of it at this point I have a wallet full of credit cards it's not that I necessarily need another one but the fact that you keep declining my application for only one reason is you claim you can't verify my identity I'm assuming because you're using some computer system and instead of somebody a human being with some common sense looking at the application and saying well obviously this is XXXX XXXX you're relying solely on some computer system that is clearly mistaken I'm sorry but there must be some way that I can prove who I am to you do you need copies of things copies of my birth certificate my passport what exactly is it that you can't confirm? I will file a complaint every month until someone fixes the computer system that is clearly not working right!
You did not have a problem category that exactly matched with my experience. Here is my problem. On XXXX XXXX, XXXX we received a letter in the mail from Citi about our credit card account. It said that we are to be issued a credit which represents a refund of certain fees previously billed to our account for a discontinued credit monitoring program previously offered by Citibank N.A. It went on to say that " a statement credit of {$140.00} representing the refund amount has been applied to your account and will appear on your statement within two billing periods. '' It is now 4 months later and no credit of the expected amount ( or any amount ) has ever been posted to our account. I called and spoke with a rep at Citi. He told me that the credit has been given to me. I asked him for the date of the credit posting and he said he did not have that information. He then referred me to a different phone number and it turned out to be a robot system that was unable to help me. In other words he " blew me off ''. It is apparent that Citi is dodging this issue.
After being denied on a recent credit request, I discovered that our mortgage company, Seterus, had placed negative information on our XXXX credit report even though it clearly states in the remarks section that the mortgage was included in a 2010 bankrupcy. Seterus reported {$21000.00} past due of payment amounts of monthly {$1100.00}. My understanding is that when the mortgage has been discharged, it is illegal to place this information on our credit reports and this is adversely affecting my credit rating and ability to obtain credit. XXXX and XXXX display the correct information of {$0.00} balance and {$0.00} payments due so evidently Seterus chose to report the incorrect information to XXXX. We are still in the house while we work on turning the deed over to Seterus but is immaterial to Seterus taking the action they did on our credit report. We already took the damage to our credit with the bankrupcy, they should not be dinging our credit for a debt no longer valid because it was dismissed. Any help to have the negative information removed off our XXXX report would be greatly appreciated. Thank you.
Midland Credit Management keeps sending me a bill, even after I requested a validation from them. They have n't validated the debt, just sent me a computer printout from their own records, not from the original creditor.
I took out a loan from LoanMart XXXX XXXX Loans. My first payment was due XXXX/XXXX/15. I contacted them and told them my payment would be late which I was told is in compliance. I was to make my payment to them on XXXX/XXXX/15 so that would include XXXX payments. I received a billing statement reflecting that with no past due charges because I contacted them. They repossessed my car and damaged it and my yard on XXXX/XXXX/15.
Hi - I need help with loadcare. They are charging me late fees when late fees should n't be applied and can not help with this issue via phone support. They 've told me several times that I have to go through their email services, which I have for the last four months and the emails go un-responded to. The good thing is they send you an email which shows that the email has been received and sent. 

What are my options? 
Link : XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX Loan number : XXXX I need all late fees, that should n't have late fees applied back to my account. 

Thanks XXXX
On XXXX XXXX our mortgage was sold to XXXX XXXX XXXX. We made payments to XXXX. In XX/XX/XXXX we were contacted by SN Servicing stating that we owed {$140000.00}. XXXX showed on our XXXX XXXX an outstanding balance of {$61000.00}. SN Servicing told us in the collection letter that we had the right to dispute any portion of this debt within 30 days or they would assume the debt was valid. We sent our dispute along with a Qualified Written Request for more information on XXXX XXXX. 
They received our dispute and the QWR on XX/XX/XXXX. To this date they have not responded with the information we requested. 
Now they have filed foreclosure for the disputed amount that they did not respond to validate their initial claim of {$140000.00}.
Made a payment on my credit card on XXXX/XXXX/16 - checked balance today and found out the payment is on hold. Told by agent I had made too many payments the previous month so they placed a hold on the account. Transferred to supervisor and advised the hold was random and authorized by law and that the Federal Reserve had placed a hold on the payment even though it had cleared my checking account. Stated the hold would be in effect for an additional four days ( 11 days total ). I contacted the Federal Reserve and they stated there was no law putting a hold on payments by the Federal Reserve and they referred me to you.
My office was contacted by XXXX XXXX of Rab Inc. ( XXXX ) in regards to a debt that was not associated in any way with me or my company. Mr XXXX continued to harass my office with threats of liens on my property until somehow finding my personal cell number at which time Mr XXXX began to harass me through text and demand I pay a debt of one of what he claimed was my tenant in one of my buildings. 

Mr XXXX continued to threaten to lien my properties if I did not pay the debt of which I had no knowledge, association or involvement.

My attorney contacted Mr XXXX and told him to stop contacting me. I also emailed mr XXXX a cease and desist letter to cut off contact to which Mr XXXX replied " I am not a consumer debt collector sir! 
I hold no obligation to the FDCPA '' Although XXXX  shows Mr XXXX as a debt collector he refused to abide by the FDCPA and denied it in writing. In addition Mr XXXX continued to threaten my property with fraudulant liens and would not stop contact. 

XXXX and mr XXXX are acting as third party collectors for a debt. The debt is in no way associated with myself or my company. The original debtor has agreed that they do not know why RAB is attempting to fraudulently extort me by using liens on my properties as threats.
Good morning, You have an demand deposit account linked to the email address XXXX,  possibly under the name of XXXX XXXX, his number is XXXX. This person is involved in criminal activity and it is doing fraud. I transferred {$400.00} from my bank account to his account using the mentioned email on XX/XX/XXXX in exchange of concert tickets. He stole my money and never sent the tickets. I requested an investigation from my bank and requested to cancel the transaction within an hour of sending him the money. It was in process at this time. I want Citibank to take its fiduciary responsibility, refer this complain to the Bank Secrecy Act / Compliance Officer, conduct a research, monitor transaction activity in this account, and file a Suspicious Activity Report. This person should be in the radar screen of federal prosecutors as he is committing online fraud activity. See attachment for evidence. Please take action.
The debt collection agency, Williams & Fudge, incorrectly reported to credit reporting agencies that I owed a tuition debt to XXXX. I did not attend XXXX in XX/XX/2014-XX/XX/XXXX. 
This false reporting of a debt I did not owe, caused me to be declined for a credit card through my credit union.
I have paid beyond double the principal payment of the loan due to the interest rate of over 700 %. The company still continues to take {$140.00} every two weeks. The debt of the loan should be marked as resolved, but the fees and extremely high interest rates has made it impossible and has caused me a great amount of stress and a personal financial collapse.
In the aftermath of the Navient news, I wanted to add to the voices detailing loan mis-handlings by Navient. I consolidated my loans with XXXX and received confirmation from the state Education Department of Michigan that the loan with them had been paid. Even so Navient continued to seek repayment from me. I sent via registered mail a copy of the payoff confirmation letter.
I have tried for the last few months to cancel a recurring charge for service. Experian requires you to call them and then they have a 2 hour hold before they will take your call. There are several numbers, same result. 

It is impossible to stay on line for 2 hours. 

Last charge : XX/XX/2018 for {$12.00} recurring over last year or so. 
I understand that there must be serveral others who are trying to cancel but get discouraged by the 2 hour hold time for calls. 

I cant access them online either and there is no help available to do so.
I 'm a victim of identity theft. My XXXX XXXX credit card account/card is lost/stolen : XXXX, this account is listed and showing on my XXXX XXXX, Equifax and XXXX credit report as open. This account should be closed. The XXXX XXXX credit card account was compromised.
I have used Skrill as a payment through XXXX XXXX XXXX, and I have not received my {$30.00} game card. It's been almost 24 hours and I have bought it from XX/XX/2018 around XXXX XXXX in central us time. I am angry because I have tried to contact Skrill and XXXX, but I received no email back and XXXX never replied back to my ticket. I hope you guys take this matter seriously because this is also theft. Thank you.
I am not able to access my funds on coinbase/XXXX since XX/XX/2017.

I tried contacting their customer support on phone. The Coinbase customer service representative on phone was not able to help me access my account.

They asked me to verify myself using their ID verification service, which is not working since XX/XX/2017 as per their status website XXXX. 

Coinbase Case # XXXX.
My XXXX died owing a credit card debt. The debt collectors say I now owe the debt. My name is not on the application for credit nor have I benefited from the credit card. The debt collectors reported it to the credit reporting corps. and it appears on my credit report as a debt I failed to pay and fraud. I am applying to refinance my home and I am being denied because of the report. I have no other blemishes on my credit report. I ca n't sleep with the fear of losing my home.
This company is currently servicing two of my private student loans. I have contacted them several times by phone and by email for assistance in repaying my loans. The interest rate has continued to go up and has increased four times in the past twelve months. I can no longer afford the payment as it has increased to over {$500.00} a month and they have done nothing to try to help provide me with relief. I have paid on this loan for over three years and every single payment has gone to interest. I believe that their loan practices have resulted in a violation of the UDAAP as the principal balance of the loan has more than doubled and by the time I have paid it off, it will have quadrupled. The only relief they offer is to service members, and I am only a child of a veteran I have not served myself. Therefore, they will do nothing to assist me. I have contacted them over the past four years so that I could get help before it got to the point where I could no longer afford my monthly payment. They are putting young students in debt that they will not be able to afford to pay back and it needs to end before we have another economical crisis.
On  XXXX / XXXX / XXXX   XXXX  sold the loan t o Suna Capital -  XXXX   is out of bus.    Suna servi ced the loan from  XXXX / XXXX / XXXX  to i believe  XXXX .    Suna  capital payments were p % i, then starting XX/XX/XXXX  i requested to include the taxes and insurance within the payment.   made lump sum   Suna Capital plus paid there legal fees. provided documentations.
Then Suna Capital sold the mortga  ge to  XXXX   XXXX  in  XXXX .   the escrows according  XXXX   XXXX  were never transfered over.     i was told by  XXXX   XXXX  to contact   Suna Capital to get the escrows transfered.
Suna Captial contact pe  rson is  XXXX   XXXX  whom was very difficult to deal with. He made me feel like i was stupid and i believe that he would of preferred that my home go to foreclosure.   he made very degrading comments. he mentioned that people were contacting him about my home and that it must be in a nice area. he aslo said i was better off to walk away. that is very unprofessional.   My attorney his name was Attorney  XXXX   XXXX   XXXX   Suna Captial  attorney was  XXXX   XXXX   XXXX
I complained back in XXXX about my Chexsystems information being incorrect. 

They have my middle initial a C when it should be R. 

Chexsystems told me the report was given by a bank sometime ago, most likely a credit card I tried to apply for years ago. The middle initial in their data base with the letter C is incorrect. 

They refuse to correct that information. 

I believe that is why banks, etc. have turned me down several times. There was a time when identity theft was being committed towards me back in XXXX.