WillisBack/dataset-financial-user-claim huggingface dataset:
After having my card fraudulently used, XXXX XXXX issues over XXXX " refunds '' for fraud, but not by tying them to the specific charges. Now, XXXX month later, they have re instituted XXXX charges without any narrative other than " Move Debt From Fraud Account ''. When I called they say they are some accounting transfer issue. Of course, I can not verify that any of these charges are accurate, because there is no explanation. I called to place them in dispute as " not recognized '' and XXXX XXXX refused to do so, saying that they were charges from the now-closed card. However, these charges have never been presented to me online nor in my monthly statement, so I can not verify that they are accurate. The phone agent even told me that he was only allowed to give me the information that they are old transfers, but nothing more. Certainly they are having some internal issue and trying to pin it on their customers. 

Simply put, XXXX XXXX refused to follow the law by placing these in dispute as not recognized until they can give me some modicum of proof that these are actually charges that I made. Please take the to task for it.
I paid off a debt with portfolio recovery XXXX/XXXX/XXXX. The debit was from XXXX XXXX in XXXX. Before I made the payment I was advised it would be removed, The debt was removed XXXX/XXXX/XXXX and then re added XXXX/XXXX/XXXX. Stating that I owe XXXX. I do not owe this amount and it was removed and added back. I contacted portfolio recovery and they told me they do not remove it from the credit file. They are reporting a balance that was paid for and will not removed it.
Someone committed fraud by using my name and collected these online payday loan my husband took off to Alaska, now I left clearing up my credit,, my lawyer XXXX XXXX in XXXX, Ohio if you need to contact
I have been getting many, many solicitation phone calls from the XXXX, CA area. The most recent was on XX/XX/2018 at XXXX XXXX It showed on my cell phone from XXXX. When I replied to the call to tell them to take me off their list, the person told me to " shut my bloody mouth and then hung up on me ''. Although I pressed reply thinking it would go to the same number it was connected to XXXX. 

The other XXXX calls I have received are XXXX on XX/XX/18 ; XXXX ;
I noticed an account on my credit files reported by XXXX XXXX XXXX for an account with The XXXX XXXX. After contacting CCS they sent a bill from XXXX showing that I had auto insurance with them. 

I have never owned the vehicle that was covered by this insurance and I never lived at the address the insurance company has on file. 

In attempting to resolve this with both CCS and XXXX none are willing to help.
I legally settled a credit card account with Wells Fargo Bank on XXXX/XXXX/14. The balance at time of settlement was {$13000.00} and I paid, per our settlement agreement, {$6700.00}. The amount they subsequently wrote off was {$6700.00}. I have attached a Satisfaction letter from Wells Fargo as proof that the account is fully satisfied, however, Wells Fargo continues to report a balance in the amount of {$6700.00} for this account to my credit report at all XXXX of the major credit reporting agencies XXXX XXXX XXXX. Obviously this is harming my credit significantly. I have disputed this account both with the credit reporting agencies and, subsequently directly with Wells Fargo but they arrogantly do not respond to me with explanation and continue to reporting this balance, even though they clearly know they are reporting in error. To my understanding, this is a blatant violation of the Fair Credit Reporting Act. I have also attached the XXXX letters that I sent directly to Wells Fargo, informing them of their error in reporting.
I was Refinancing My Home and the Lender TOWNSTONE Financial , Inc. Forced me to obtain a Appraisal of My Property after I all ready had a recent Appraisal done on the My Property. I had let them know that I was doing some inside remodeling on the Property.

They took a long time to make a decision and waited forcing me to pay a Higher Interest Rate. They came back after the second appraisal was done and stated they were not going to approve my Refinancing on my Property. They stated that My Property was Inadequate Collateral. The Appraisal came back at {$120000.00} Dollars. I only owed a Mortgage of {$45000.00}. They further used a Credit Agency Report from XXXX to deny my application for a Mortgage. My Credit Rating is XXXX Excellent Rating. I feel that as a Senior Citizen I was Discriminated Against and subsequently Denied Credit.
Wrongful repossession Financial Fruad -Wiring money ( unknown reason ) Toyota Financial Services ( TMCC ) and Lexus of XXXX -Asking for social security number and account number via text / email -Over XXXX dollars of unexplained charges and late fees -Repossession of vehicle with belongings inside, refused to inform me where it is to get my things unless I pay off vehicle -Term changes /mid deal changes after closing - Constant billing / late fee harassment ( unexplained ) - Credit denial so was forced to pay cash towards downpayment No one in the finance department or dealership will help they claim it has nothing to do with them
In approximately XX/XX/XXXX, my ex-husband stopped making required monthly spousal maintenance payments which in turn delayed my ability to keep current on my payments to Specialized Loan Servicing.

After several months, I regained the ability to make payments but was told that all previous payments had to be up to date before they would allow me to begin payments again. I did not have that amount of money available to me.

In XX/XX/XXXX, I made my first application for a loan modification/repayment plan. It was then that SLS began continually asking for more documentation such as a copy of my driver 's license, a new request for tax information, obtain a quiz claim deed from my ex-husband, etc. and they would drag it out so that I would have to submit a new application with all new updated information including bank statements and check stubs.

I was told repeatedly on many occasions that my packet was complete only to learn they needed " one more piece of documentation ''. Not only that, they changed the mailing address from me to my ex-husband 's address. I was given no communication other than two letters and being served for the sheriffs sale from them even after many attempts over the last two years to change the address or at the very least, to include me on all communications.

I have completed and submitted no less than eight different packages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently, XX/XX/XXXX only to be told that more documentation is needed. 

I have been working with XXXX XXXX XXXXat the XXXX County Housing Department and she has advised me to submit complaints to both your office and also to the office of the Minnesota Attorney General. 

I was unable to upload my documents but will submit them via USPS mail.

Thank you very much for your consideration. Please contact me with any further questions or information you may need.
In XXXX 2013 The United States Bankruptcy Court - XXXX District of Florida had sent docs for a Chapter XXXX Discharge of Joint debtors for both : my self and my husband to ALL CREDITORS I have attempted to contact all the companys involved many times to have our credit information to be updated. Our Equifax reports has STILL not been corrected! I have also filed COUNTLESS disputes WITH EQUIFAX only to have them DENIED by and my credit score impacted further- this is in VIOLATION of the Bankruptcy court discharge! This needs to be corrected ASAP! - I want this backdated to XXXX of 2013 for the correction as well.
They called my cell phone XXXX XX/XX/2016, looking for someone else. I pay per minute. I had to call them back, muddle through a computerized recording, and ask them to stop calling because it is a work phone. They promised to stop calling but did not. I received another call XX/XX/2016.
Hello, I applied for the M & T credit card on XX/XX/2018 via an offer sent to my email. It was a promotion that I am eligible for the credit card. It should also be noted that I have a bank account with M & T Bank. After a few days, I get a call from M & T bank and I confirm my citizenship status. I ask the person on the phone that whether there is anything you need. They say no. I don't hear back and I call M & T to get to know what is happening and they say my card is rejected as I am not a US citizen. I have a few cards with banks and I have never got rejected based on that. Let 's say the bank doesn't offer cards to non-us citizen, why did you send me an offer? isn't my information in your system. My credit score and time has been affected because of this. I have a letter from the bank and the only basis they reject my application is based on my residency. A preoffer condition depends on credit risk not factors that can't change. I am very sorry to say but this is a fraud on M & T Banks part.
I have a credit card and checking accounts w ith US B ank and on  X/X/17    I submitted an application for a reserve line of credit. On  X/X/17    I logged on to view the status of my application and noticed a pending document, so I submitted an electronic signature. After submitting my electronic signature, I contacted US Bank at  XXXX  to verify that my information was correct and after being transferred a few times, I was advised by one of the many representatives I spoke with that my reserve line of approved for {$500.00} and on  X/X/17    I would be able to view my line of credit along with other my existing accounts. Since the line of credit was not available on  X/X/17   , I contacted US Bank again and was transferred several times, but was n't able to get the correct information from any representative. On  X/XX/17    I contacted US Bank a third time and requested that my original application be canceled, so I could submit a new application. My second application never processed beyond the information I placed, however, US Bank placed a hard inquiry on my   XXXX   file. Today I contacted US Bank again and went on being transferred from department to department with no resolution.
I have been dealing with this company that is in violation of Hippa laws, constitutional rights, and contract laws. I have asked them to remove old information, inaccurate and non-valid accounts from my report. The most recent letter i sent to them was on XX/XX/18. I asked them about hard inquiries from companies i never done business with. I have collections for companies i have never done business with. I have accounts that have been closed or consolidated that still show open or payment history. I have phone numbers and addresses that i have never been associated with.
I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XXXX/XXXX/15 on EQUIFAX. I did not authorized anyone employed by or at this company to make any inquiry or inquiries and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.
I have a student loan through Nelnet and I was not aware of the payments aft the time. Was going through financial hardship and missed a few payments.
Before I met and married my husband in  XXXX . He had a reserve line with UsBank. When he passed away   XXXX   XXXX   I took his name off the account. I called the bank to tell them he had passed and I did not even know him when he got the reserve line. But they told me I was responsible for it because my name was on the account. The following month they took double the amount. Now I 'm afraid if I ask about it they will take more.
RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting A
ct Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.
On XX/XX/2017 my home had a water damage loss. Reverse Mortgage Solutions received the first insurance company payment in XX/XX/XXXX and a second in XX/XX/XXXX. They did not send payment for repairs until mid XX/XX/XXXX. They sent 30 % and told me the balance would be sent after repairs are completed. How can they expect 100 % completion with 30 %? Also the water damage invoice from XXXX has n't been paid. They completed their work in XX/XX/XXXX and now are threatening a lien on the house. RMS has asked for and received multiple copies of documents requested but keep saying that they do n't have them and then saying they need more documents and signatures they did n't ask for initially. Their delays have resulted in additional damages ( mold ) and additional living expenses. I have spoken with multiple people multiple times and never get the same answer twice.
I am writing in regards to a mortgage payment that was reported as 30 days or more late on my credit report. The payment was due on XX/XX/XXXX. The payment was made online, during regular business hours, on XX/XX/XXXX. However, the payment was reported as more than 30 days late on my credit report, which is negatively affecting my credit report. I attempted to contact XXXX XXXX XXXX by phone to discuss this situation and was told that I have to put my concern in writing. I emailed my concern to the email address provided on XX/XX/XXXX ; with no response. Is it legal for this company to incorrectly report the payment date?
After already receiving confirmation that my mortgage payment for the month was made & without penalty, I received a threatening notice that " my payment was late '' & that " it still needed to be made ''. This is the same harassing contraction that I had to go through last month with the same mortgage company ( Caliber Home Loans ). For a monthly mortgage payment of {$1700.00}, THIS KIND OF UNPROFESSIONALISM NEEDS TO STOP! The unnecessary stress it is causing is compromising my ability to relax in my personal life.
On XX/XX/XXXX I signed up online for a new checking account at 5/3 Bank under a promotion which offered a {$200.00} bonus after making 3 online bill payments and setting up a direct deposit. The offer states that a {$50.00} minimum deposit is required to open all checking accounts and obtain bonus. I made the 3 bill payments on XX/XX/XXXX and a {$50.00} payroll direct deposit on XX/XX/XXXX, thus satisfying all of the necessary requirements. The terms of the promotion stated that the bonus would be paid out within 6 weeks of completing the requirements. As of XX/XX/XXXX, I still have not received my bonus payment despite multiple phone calls to customer service. The bank is claiming that the offer required a {$500.00} minimum direct deposit, however the terms of the offer displayed online when I applied made absolutely no mention of {$500.00} minimum. The only minimum deposit amount mentioned in the terms was the aforementioned {$50.00}.
I took out a loan for {$600.00} and was never advised that my interest rate was 520.01 %. The company also tried to withdraw money from my account without my authorization.
I know newspapers are struggling to stay in business these days because it seems only old people read them. But they can not force you to take their paper. We had a 13 week subscription, for {$27.00}, that had ended. The XXXX sent a renewal for 13 weeks for {$55.00}. My husband decided it was too much money so he wrote cancel on the renewal and returned it to the XXXX. The XXXX continued to deliver the paper and send us bills. The XXXX called day and night to get us to renew. We kept telling them we did not want the paper to take us off their phone list. Then a women called from the XXXX to say we had to pay for the papers. I told her we had not ordered them and were not going to pay. We then received a letter from A.R.M. Solutions, Inc. at XXXX. XXXX XXXX, XXXX, Ca XXXX a collection agency. All this time the XXXX kept calling to get us to take the paper. Finally someone offered my husband the paper at a cheap price for 13 weeks. He said ok, then they told him he would have to pay the {$55.00} for the papers we had not ordered. He told them to forget it. My husband is XXXX years old. He enjoys reading the paper, but not at any price. I do n't like to be taken advantaged of. At the advice of the Consumer Financial Bureau we sent a letter to the collection agency saying we disputed the charge. This is very stressful.
On XXXX I went into my branch of US Bank with XXXX checks from the title co to pay of the outstanding balance on my US Bank credit card of {$19000.00} and my US Bank auto loan of {$7800.00}. 
The teller deposited both checks into my credit card account, resulting in an overage on my credit card of - {$7700.00}. 
On XXXX/XXXX/2015 after numerous phone calls to card member services, getting placed on hold in excess of XXXX minutes whilst waiting to talk to a supervisor, this issue remained unresolved. I electronically transferred this amount ( {$7700.00} ) to my checking account. This resulted in my Credit card having a zero balance. 
I transferred {$7800.00} from my checking account to my auto loan thereby paying it off. 
Later that same day the bank reversed the deposit of {$7800.00} on XXXX/XXXX/2015 to my credit card, resulting in a debit of {$7800.00} to my credit card. 
I have called card member services at least a dozen times nobody can tell me where they reversed that money to, or where that money is Requests for supervisor call backs have not been honored. This is missapropriation of a large amount of money {$7800.00} and i respectfully request that you aggressively pursue this issue until it is resolved
XXXX  incorrectly reported late payments to a ll   XXXX   (  XXXX  ) major cr edit bureaus ( Equifax,  XXXX  and  XXXX  ) although the loans were approved for forbearance. Ad ditionally, I addressed this issue with  XXXX  on    XXXX   XXXX  , 2016   via facsimile and US mail to no avail.
I am filing a complaint against XXXX XXXX XXXX  with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
I had been making extra payments to the principal to lower the LTV ratio to remove the PMI insurance from my loan. Once my LTV ratio was 77 %, I asked that the PMI be removed. Chase informed me that I could pay for a BPO {$110.00} or appraisal $ XXXX-XXXX to remove the PMI before it would automatically remove on the scheduled date. I contacted Chase and was told that a waiver would be submitted for the XXXX fees. I received another letter stating I must pay {$110.00} for a BPO to remove the PMI from the loan on the scheduled date and the LTV ratio is now 76 %. Also, all payments have been made on time and I am in good standing on the loan. A quick scan on the internet estimates the home to be valued at double the loan amount. I have n't found anything in regard to laws that prohibit lenders from charging consumers to remove the PMI once the loan hits 78 % LTV ratio.
On XX/XX/2018 I sent out a debt validation letter not a verification letter to Wakefield and associates asking them for validation.The letter arrived on XX/XX/2018 at XXXX the law states that collection agencies must provide proof the debt they seek to collect is accurate and they have the right to collect it.I simply stated This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION.I insisted that they provide me with competent evidence that I have any legal obligation to pay them and Validation of the debt. Also stated If invalidated all references to this account must be deleted and completely removed from all 3 major credit bureaus of my credit file and a copy of such deletion request shall be sent to me immediately. Within 30 days of me sending the letter they responded with a letter but it did not validate the debt in no possible way to prove I owe it or them. Now I'm taking the next step to get this inaccurate and non validated collection from hindering my credit file.
I have been calling the Corporate office to speak with Sr Account Rep 's to resolve this account for the past two weeks. I previously emailed a goodwill deletion request and was told that the bank can only make changes to reporting if the bank has made an error. Upon finding errors in Capital One Bank 's reporting, I then disputed regarding the same account to have it updated on my bureau. Today I called Capital One Corporate and spoke with a Sr Account Rep. and I was told that no information can be provided as to why this account was recently re-reported to XXXX as of XX/XX/XXXX after being removed from XXXX. 
This information has been recently disputed and removed from my XXXX Credit Report, but is now being reported as of XX/XX/XXXX on my XXXX Credit Report with different reporting dates and information than previously reported by capital one. The differences are reflected in my credit reports from XX/XX/XXXX-XX/XX/XXXX. 

I would like Capital One to remove this inaccurate information and stop reporting it to credit agencies.
I received a charge for annual fee and within 30 days of charge appearing on statement requested in writing to cancel the card and reverse the annual fee. Bank refused saying previous month 's statement informed me that I would be charged for the annual fee. I had not seen this on the prior month 's bill, as it wasn't actually a charge, and would have cancelled the card a few weeks earlier if I had. I'm attaching the bill where I received this " notice '' so that you can see it is not something that would jump out at the ordinary person paying bills. I have not used the card and do not intend to use the card and asked for the bank to cancel the card.