WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted my bank ( Wells Fargo ) regarding a debit from my account from XXXX that I did not authorize. I filed a claim for {$220.00} then {$90.00}. I was issued a temporary credit while they investigated. On XXXX, I received a letter stating the investigation was closed and I authorized the transaction. The letter stated I could call the number and receive documentation that made my bank reach that judgement. The letter also stated that the temporary credit will be reversed " 5 business days after XXXX/XXXX/15 ''. I called customer service to get information about my claim. I was told that it was closed but they still are in arbitration with XXXX and I may in fact get my money back. They told me that XXXX has until XXXX XXXX to respond again. I asked if they are still working to get the money back, why are they needing to reverse the credit. I was told that at that point they had to. No real answers. On XXXX/XXXX/2015 after XXXX, the credit was reversed. I had outstanding debits because I was expecting them to reverse the credit when they said they would. I called and requested to speak with a manager. I was told they will have a manager call me back within 24-48hrs. No call back. I received a bill from XXXX, showing where they reversed the payment of {$220.00} and put it back on my bill. I contacted customer service on XXXX, letting them know that XXXX reversed that. I wanted to know why if XXXX reversed it, why is my bank stating that the money was with XXXX. I also let them know I never received a call from manager. The representative stated no one was available to assist me since it was escalated to manager, so I must wait for a call. She put in a XXXX request. This is XXXX and I still have n't heard anything.
the original loan offer was not what was on the closing statement. I was pressured to sign at the last hours before my previous mortgage payment was due. The facts of the new mortgage were never disclosed to me. EMORTGAGE added a point to the closing costs and manipulated the escrow to make it seem like the payments would be lower.
XXXX is reporting 17 late payments on XXXX Credit report illegally after the date of discharge on the following account after repossession / charge off date. Ford Motor Credit is also reporting on my XXXX XXXX credit report 47 lates after repossession and after account was closed and charged off Ford Motor Credit- # XXXX To report lates on closed account is illegal.
I began repaying my parent plus loan for my son in XXXX XXXX  2017. From the very first time I have not been able to use the automated phone system, nor log into my account, and when I want to speak to customer service when the automated system says it " does n't recognize my acct number or social security number as a valid ID ' '' they schedule me with a " call back '' which is more than 24 hours later. I have to choose an appointment time to speak with customer service to make a payment. And quite often I am told " sorry that time is not available. '' I have been told many different stories as to what the problem is- including that my acct is linked to " someone else with the same social security number. '' This is frightening. When I ask them who it is- they tell me they " ca n't share that info with me. '' Yet they recently sent MY XXXX a bill with someone else 's name on it and then freely discussed my name with my XXXX. I am SICK OF DEALING WITH THESE PEOPLE!!!!! They have told me multiple times they can " fix the problem. '' And " a supervisor will call me. '' Which has never happened. This company makes it IMPOSSIBLE TO PAY THEM!!!
I have a story of the little guy getting trampled by the big corporation. A total lack of customer service. I bank with Chase Bank, I moved a few years ago and began mobile banking since there is no branch in Minnesota. I tried to do a large wire transfer one night for payment on the construction of my new house and suddenly my online account was frozen. I called them and they said they locked it as a security measure but I had to go to a branch to get it unlocked. I explained I lived XXXX miles from the nearest chase, and after XXXX hours on the phone over the next few days, getting transferred and hung up on multiple times, and after pleading and begging for help, I was told to go bank with a different bank. Completely unbelievable. I still do n't have online access to my account, which is the only way I can access anything, I have checks I can no longer deposit, and I have spoken to a very high up member of management, who has not returned my phone calls. I stand under the feet of one of the largest banks in america .... trapped with no way out. I did n't do anything wrong, but chase expects me to travel XXXX miles, take time away from my family, and take time off of work to show my face for XXXX minutes at a chase branch. They wo n't accept anything else and It sure feels like a crime to me. An side effect of my checking account being locked is that my credit cards and my mortgage are both managed through the same site. So now I ca n't manage any of those things.
EXPERIAN, I've tried and tried, to be as patient with Experian as I can be. But I've read the laws under FCRA. And I know that I as a consumer am protected by the FCRA laws. I guess Experian doesn't think so, when I filed the last dispute with Experian, the female that was taking down my information for the dispute was informing me that I couldn't dispute some of the incorrect information items I was trying to dispute, ( I still dont understand an employee working for Experian and not understanding, being trained or up to date on the FCRA laws ) collection agencies have to almost report mirrored information that the original creditor had. Original balance, credit limit, payment history etc., collection agencies report incorrect information daily to all 3 bureaus, THEY COULD CARE LESS about the FCRA laws, XXXX and XXXX had no problem understanding my disputes and resolved them satisfactorily, but then unfortunately Americans have to deal with Experian, and that's where the problem ls with my complaint.
After reviewing my credit report, I discovered that SLS was reporting a mortgage that was once owned by XXXX XXXX XXXX in which a Deed in Lieu dated XX/XX/XXXX was submitted and excepted by XXXX XXXX XXXX. A 1692g request was received by Representative ( s ) and Agent ( s ) of SLS on XX/XX/XXXX. ( See Attachment A ) SLS responded with proper validation of a debt owed per 15 USC 1692g, however the company does not have proper information " Deed in Lieu ''. ( See Attachment B ) A notice to cure was forced to be sent to SLS containing the Deed in Lieu and my credit report to show that the alleged debt was XXXX ( XXXX ) out after the submission of the Deed In Lieu to XXXX XXXX XXXX. ( See Attachment ) SLS has NOT responded in addition to reporting the debt as a delinquency on my credit report and not as disputed. The loan was settled with XXXX XXXX XXXX per the Deed In Lieu and the allegations that a debt is owed to SLS are frivolous.
I can not afford my private student loans payments. They want me to pay {$260.00} a month. My area was hit by a hurricane a few months ago so my loans were put on a deferment. I was told that when I came off the deferment that I could do a rate reduction payment. The rep told me that even though i have signed up to do the rate reduction twice that I am able to have someone sign me up. The deferment is over and they told me that there is nothing they can do to lower the payment. I have never worked with a business that has no heart. I was on the rate reduction for 2.5 years a few years back and paid it every month. Now all the 12.25 interest that has accrued it is back to where the original was. My life is totally over with this business not willing to work with me. I hope that others will take there business elsewhere it is not worth the stress this business puts people through.
Equifax is ignoring my requests to investigate and remove an account from my credit report that does not belong to me.
TransUnion has been informed multiple times about incorrect information on my report, and refuses to remove it. Specifically due to Identity theft committed by my ex-wife, the XXXX XXXX XXXX account represented by XXXX XXXX XXXX in the ammount of {$240.00}. This account has been removed from all of my credit reports multiple times, but is put back on when TransUnion attempts to sell me one of their monitoring products that I decline to purchase. 

Even though XXXX XXXX has acknowledged this account to be fraudulent and closed the account TransUnion refuses to remove it from my report.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is not my address. I 've never lived in XXXX. 

My current address is XXXX XXXX XXXX XXXX, XXXX XXXX. I 've lived at this address for 10 yrs. please remove the XXXX address from my credit report. Thank you.
An account being reported on my Experian credit report listed as XXXX XXXX XXXX in the amount of {$5500.00} is not mine/no knowledge of account. In fact, this account was previously disputed and removed when this same account was listed with XXXX, XXXX, XXXX- it seems as if accounts just move from one agency to another without any type of clarifications. In fact, the above mentioned agency never sent any type of initial disclosure letter concerning the alleged debt, rather they decided to just place it on credit reports without any verification.
I was shocked when I reviewed my credit report and found late payment on the dates below:

30 days past due as of XX/XX/2017

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
To Whom it may Concern : I am hereby writing this letter to request for a onetime settlement of the outstanding balance 's on my comenity card accounts. I have been struggling with financial difficulties for the past six month on accounts of my lay off due to the economic downturn. I am finding it very difficult to make monthly payments to my account. I sent you a letter dated XX/XX/2016 stating I wanted to close my accounts and make a settlement amount and I have yet to receive a response in regard to that. I keep getting multiple calls through the day threatening legal action and it is very distressing. 
I am currently negotiating debt with several creditors and I have only a limited amount of funds. Some of the conditions that I want for this payment are as follows : The payment will be full and final settlement of my credit card outstanding balances for XXXX, XXXX, XXXX and HSN No legal action will be initiated against me in future for any payments I will be removed from the defaulter 's list from your records. 
No threatening phones call from your customer service that I have already received ( I have a copy of the voice messages. 
If your company is willing for this one time settlement then please write back to me and I will make the necessary arrangements for making the payment and also draft the debt settlement agreement. Do not contact me by phone, you can contact me XXXXXXXXXXXX. 
I will be glad to receive a positive response from your end. 
Yours sincerely
I mistakenly made a double payment of {$3000.00} to Capital One on XX/XX/19. Called Capital One on XX/XX/19 to verify the double payment and asked for a refund. 
After a long a difficult conversation with Capital One representatives I was informed that a refund or credit would processed in 7 to ten days. On XX/XX/19 I called again to ask where the refund was. Talked to representative XXXX ( ID # XXXX ) and was informed that the Capital One representatives from XX/XX/19 made a mistake and that no action for a refund was processed on XX/XX/19. Was informed by XXXX that it is possible that an additional 6 weeks would be required before a refund could be processed. 
Capital One has been unresponsive in any efforts to resolve this situation.
In XXXX of 2013, I enlisted in the military. Prior to leaving I selected to pay my bill in full on my online account for Capital One. After I paid it and reduced the balance to {$0.00}, a {$3.00} interest fee was added that was overlooked. This charge went over looked for the time period I was in training and unable to access my phone or the internet. I had an excellent record of paying my bills monthly and on time, usually in full. Now that I am in the military I have a Security Clearance. I keep having to explain why I have a negative hit on my credit report and it jeopardizes my job. I tried contacted Capital One on a yearly basis to have this delinquency removed and I showed them my orders explaining the situation. They refuse. I can understand someone who is delinquent frequently or owes a lot of money. But this was over {$3.00}. And I paid the entire bill off on the Capital One website. The interest was tabulated afterwards. I am filing this complain because 7 years on my credit report is absurd and highly damaging to my career and would like it removed from the credit agencies. Please see all supporting documents. 
Thank You, XXXX XXXX
I filed several disputes with 3 credit bureau for proof of contract and have not received any proof please remove this account from all credit bureaus due to no contract or proof
We received a letter dated XXXX XXXX, 2015. The letter stated we may be eligible for a FHA Hamp with Partial Claim. To accept this offer we were required to make our XXXX monthly " trial plan payment '' under our Trial Payment Plan. The Trial Payment Plan was as follows:XXXX payment : {$1300.00} by XXXX/XXXX/15XXXX payment {$1300.00} by XXXX/XXXX/15XXXX payment {$1300.00} by XXXX/XXXX/15The plan further stated each payment had to be received by Stonegate Mortgage within 15 days of the trial payment plan due date. 
We made the trial payments as follows:XXXX payment {$1400.00} on XXXX/XXXX/15XXXX payment {$1300.00} on XXXX/XXXX/15XXXX payment {$1300.00} on XXXX/XXXX/15We have successfully remitted the trial period payments and have not received any further notification from our mortgage company advising us how to proceed. We did receive a phone call from a Stonegate representative stating our trial payments were short by approximately {$40.00}. We challenged that statement and have documentation to show all of our trial payments were made successfully. The representative stated they would research the matter and get back to us. We have n't heard back. 
We need to know what the next steps are. We need to know if we are approved for the FHA Hamp with Partial Claim. We have n't received anything in writing or verbal from Stonegate advising us how to proceed now that we have successfully completed the Trial Payment Plan.
On XX/XX/2018 Chase Bank N.A . sent me a letter notifying the closure of my Brokerage Account ending ... XXXX. I never received the letter in my mailing address. By sheer luck I got word of this and on XX/XX/XXXX. I called XXXX XXXX XXXX ( XXXX ) in order to request by email a copy of the original letter ( which basically said that my account was going to be closed by XX/XX/XXXX. and that I had to call the XXXX number to get further instructions ) and obtain the proper closing and transfer instructions of my money. I requested the XXXX operator XXXX XXXX to send me the same oral instructions she was giving me over the phone by email, which she did. 

One step of such written instructions in XXXX XXXX 's email required to have my signature notarized at the local XXXX XXXX ( I do not live in the XXXX ) which I did, at a cost of {$50.00}. I then sent Chase by Secure Mail the transfer order with the notarized signature and the required attachments. 

On XX/XX/XXXX. I received a call from XXXX, operator XXXX XXXX, to let me know that all they needed was my oral instruction ( over the phone ) to transfer the balance of my investment account to my Chase linked account from which I could then set up the external transfer using my Online banking service. XXXX XXXX notified me that no notarized signature was required and that the previous operator made a mistake. 

On XX/XX/XXXX. I sent an email to XXXX claiming the refund of the {$50.00} I paid for a useless notarization. The email was sent to operator XXXX XXXX ( remember she gave me the wrong written information ) and to the Executive Director who signed the XX/XX/XXXX. letter., XXXX XXXX . 

On XX/XX/XXXX. I received an email from XXXX XXXX stating that Chase only refunds fees charged by Chase. The Executive Director did not even acknowledge receipt of my several mails. An email I sent on XX/XX/XXXX. was replied on XX/XX/XXXX. saying that my complaint was escalated to the Executive Team of XXXX XXXX XXXX. 

I sent three email reminders since XX/XX/XXXX. with no reply up to this day, XX/XX/XXXX. 

This recap is fully verifiable through the email string kept in my files and attached below. 

It is distressing and frustrating that Chase deny me a {$50.00} refund, if the bank seriously overviewed the chain of events they will determine that they are 100 % at fault. Chase must assume full responsibility and execute the refund to my checking account ending ... XXXX XXXX XXXX XXXX XXXX XXXX
My Sam 's Club MasterCard operated by Synchrony Bank had some fraudulent activities on it. The account was closed and a new card was sent to me. Once I activated the card I could then log in on line and check my account. The problem is since Synchrony Bank closed the account I can not go on line and look at any previous charges under my old credit card number. After several call to customer service managers the above statement is true and they have had other complaints about the same lack of service from other customers. The explanation is " That 's the way are system does it. '' Even though they have the ability to look at history the customer/account owner does not. When you get hacked you get victimized twice once by the perpetrator and once by Synchrony. So nice to be a valued customer ... ... ... .NOT!!
I initiated a balance transfer upon an offer for a better rate thru XXXX in the amount of {$500.00} on XX/XX/2018. The transfer went to Capital One Installment Loans for the servicing of my Kohl 's charge ( where the payment was to post ). The payment has not posted to my Kohl 's account. I have received researched info from XXXX including a trace number and an address, explaining to me that I would have to pursue the transaction further on my own. I then contacted Capital One and Kohl 's by telephone and was informed that their research department does not accept telephone calls, but was offered a fax and an address. I sent both. Kohl 's response was basically " We were unable to locate your payment, Refer to your most recent statement for the due date and amount. Please consider this the final resolution to your inquiry ''. 

I have not yet received a response from Capital One Installment Loans.. I was able to provide the transaction information from the transfer and the amount was over {$500.00}. It seems that I need some better form of recourse. 

Kind Regards, XXXX XXXX.
My wife and I applied to open a joint online savings account at GS Bank on XXXX XXXX. After 3 days of not hearing from them, I called them to check status of the account opening. Representative indicated they were declining to open an account because they could not verify my wife 's identity. GS Bank did not explain why they were unable to verify the identity of my wife of over 10 years, despite us both having many other joint accounts and credit cards with other banks over the years. Representative said a letter would be forthcoming from GS Bank explaining reason for declination, however, no such letter has arrived. Having supplied GS Bank with all of our personal information in order to apply, I find it unconscionable that they can refuse to open the account, not explain why, and yet continue to keep all of our information on file. Representative indicated they would keep the information on file as a declined application.
I processed a separate complaint on XX/XX/XXXX and have not received the response i 've been looking for. This southwest credit sys company is obviously in a separate world and feels like the rules do n't apply. The government should shut companies like this down. I 've uploaded some documents relating to this. Thankyou
I attempted to view my credit report by going to www.annualcreditreport.com and once again just like in XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX ; I still can not view my Equifax and XXXX credit report. This is due to corporate greed ; a manipulative way to divert people from purchasing their credit reports on their site instead.
The Loan Contract Documents in the Auto Loan # XXXX was predatory / fraudalent/ and deceptive in requiring me to pay close to {$400.00} a month on a XXXX yr old car with a GPS tracking device discontinued by the Original Manufacturer ( XXXX ). & on page 5 the contract clearly states that I am not responsible to pay any amounts over the legal finance charges and interest rates
The alleged debt is non-existent as all debts with XXXX XXXX XXXX have been fully satisfied by me in the past. The collection of any other debt is unwarranted and unfounded.
Dear CFPB - I am resubmitting my complaint against XXXX XXXX XXXX. Please refer to closed complaint XXXX for additional history. XXXXXXXX XXXX has advised CFPB that they have not reported any new events to the CRA 's since XXXX, which is false. On XX/XX/XXXX, XXXX transmitted an update to Transunion that my account was in a delinquent status, which is false. As stated, the servicing of my mortgage was transferred to another party in XX/XX/XXXX. CFPB, please investigate as to why XXXX refuses to update my Transunion from a delinquent status of 120 Past Due. I have included snippets from my current report and the credit monitoring alert which indicates XXXX just recently updating my account status. This event update contradicts what XXXX Complaince Dept XXXX XXXX states in her response to my CFPB complaint # XXXX. XXXX also goes on to state that XXXX must report account transferred, but this is another contradiction to what has actually been reported to the CRA 's. Example enclosed. I am requesting for the CFPB to reinvestigate this matter. XXXX 's response was more focused on my payment history and not what they are currently reporting to the CRA 's instead of the current status of the account with XXXX, which is closed with a XXXX   balance, account transferred. I think the CFPB prematurely closed my initial complaint because of payment history and bankruptcy fluff written by XXXX XXXX. Now I have included documented proof to support my complaint about XXXX.
Mercedes Benz Financial Services billed me for an unreasonable amount at the end of my car lease. I wrote several letters to dispute the charges. They never answered, but instead turned me over to their collection agency. I wrote to the agency, included all the letters I had sent to MBFS, but they reported to the credit bureaus that this was a write off, damaging my credit score. Score was XXXX, is now XXXX.