WillisBack/dataset-financial-user-claim huggingface dataset:
I  applied for a zero percent apr purchase card with BofA online. My application came back declined because I had a block on my credit. I tried calling numerous times to speak to someone and I could not get anyone to look at my application so I simply dismissed it. A couple of days later I received a call from BofA from an analyst that said if we can call the credit bureau we can get this credit card approved. We called and they approved my credit card. A couple of days later I received the card WITHOUT the promotion of zero percent purchase interest. I have called and spent hours on the phone with them and they said I do n't  qualify for the card with that promotion. If I did n't qualify for the card that I applied for then why was n't this communicated with me at the time of the application or when I spoke to the analyst to verify the product I applied for? If I was approved for another c ard ( one that I never applied for ) then why was n't this told to me in order for me to make a decision on  how to proceed? Instead, I get a card with a high interest rate that I never applied for nor that I wanted. This seems like a misleading practice to offer something to someone and then deliver another product that the customer does not want. I spoke to  XXXX   XXXX  in resolutions who was not able  to help and refused to allow me to speak to someone to file a complaint. I was told a manager would call me back and no one has to this point. I have wasted hours of my time in this and there is still no resolution in sight.
Late XX/XX/XXXX, my balance went over the credit limit. I specifically checked on the account page that I never wanted to be overdrafted so do not approve any purchases that overdraft my account. They did it any way, which is causing me score drop on credit report, as well as paying more interest due to having a higher balance. I spoke with customer service and she validated that she could see where I checked for no overdraft. Said I would have to file a dispute. It was their fault. It was capital one and now Im overdrawn XXXX. Although it was their mistake they wont do anything about it.
This all started with a rogue, {$30.00} charge on my account with wells fargo. I contacted the company who made the charge and told them I had closed my account. I had done this, but they told me there was another account with an expired credit card from 2 years ago. They recently used the visa account updater service to retrieve a new payment token from Visa and Wells Fargo. I have closed my account with the merchant and opted out of their renewal program. I contacted wells fargo to find out how to opt out of the visa updater service and no one there that I spoke with knows anything about this. The visa updater service is a 2 part process. Wellsfargo has to get my information, or a token, to visa who relays it to the requesting merchant. Wells fargo is telling me I can opt out with the merchant. The merchant is telling me I can ask to opt out of this from the bank. The bank is tellingme I can not opt out of it from them and that I have to try to do this with the merchant. Meanwhile if you XXXX search " vau opt out '' there are many discussions from small banks who are tyring to find out the best way to offer an opt out to their customers, and whether or not they have to notify them when a request comes in. This indicates that it is the bank ( the company that provided the debit/credit card a customer would contact to opt out of the VAU ( visa account updater service ). I want to be able to opt out of this as I see it as an invasion of my privacy when a bank would send payment information to a merchant on their request, not on mine. If I choose to not update a card at a merchant, I want it to be on me, not up to the bank.
After my apartments property manager misplaced my rent check, I called Chase Bank to place a stop payment on the check ( call occurred on XX/XX/2018 ). Apparently, the bank representative who was supposed to place the stop payment was insufficiently trained and did not do it properly. My check was later fraudulently cashed. Since then, despite a multitude of phone calls and in person visits to a bank branch, the bank has not resolved the problem. In fact, at every step along the way, at every point where new paperwork or a new motion must be filed, the bank asks me to wait a week then notifies me that an error has been made and their employee failed to correctly file the motion. 

It is now XX/XX/2018 and I have not been reimbursed for a check that was fraudulently cashed despite my having issued a stop payment. At every step along the way, Chase Bank has demonstrated lack of transparency, bureaucratic meandering, and incompetence.
Daily Poryfolio Recovery calls me to harass me over a bill that is almost 10 years old Called XXXX  Gas Card I tried to pay once and they said it was purged so they gave me my money back That they would not sue me for the debt because the debt was so old, and yet they call me practically every day morning noon and night from random phone numbers and different states always on a recorded line to harass me over this Very Old purges Debt they gave me my money back!

Personally I feel the harassing me because when I tried to call and pay it again, They would only lower at 10 % Which I had another bill they lowered 60 % That I completely paid off called XXXX XXXX  I paid {$1500.00} for that one that was at {$2700.00}
There are 2 accounts on my credit report that are not mine. One is XXXX XXXX XXXX with XXXX XXXX XXXX  and the XXXX XXXX with XXXX XXXX XXXX. I 've reported to transunion and both of these credit agencies that these accounts are not mine I was n't living in the addresses at the time these bills occurred. Someone must 've kept the bill in my name. I request for this to be removed for fraud and incorrect information.
XXXX XXXX XXXX has been reporting unverified and inaccurate information to the 3 major credit bureaus under my social security # illegally. They have failed to respond to multiple letters I have sent certified on XX/XX/2018 and XX/XX/2018, and they have failed to answer any request ( s ) of verification to verify their false claims. They have caused MAJOR damage to my credit file and I am currently considering small claims actions against them. This company has commited MULTIPLE violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws yet for some reason feels that it is above the law in its efforts to collect a debt that they are unable to provide any proof belongs to me.
opened card with citicard in XXXX. 2016 with interest free for 18 months and they charged me interest in less then 1 year.
i prochisted XXXX transactions XXXX XXXX XXXX NY XXXX XXXX XXXX ACH CREDIT BALANCE REF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX. on XX/XX/XXXX i paid everything before i left the country now they are accusing me for late fees
Equifax is refusing to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act.
I do not have a signed contract nor any contract with Accelerated Financial SO. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Accelerated Financial SO.
My company, Nationstar, refuses to process my mortgage check in a timely manner and has only sent my XXXX billing statement, although I have been with this company for 4 months. It took XXXX days from the day that I mailed my check until the day that the company acknowledged that it received my payment. In the XXXX years that I have had a mortgage I have never, ever had a late payment. I had to cancel the check and pay over the phone. The company still has this check, and apparently can re-deposit it after XXXX year.
My mortgage was sold to Specialized Loan Servicing LLC without my knowing. I had a bi-weekly payment schedule paying half the monthly mortgage every 2 weeks. The previous mortgage servicer had no issue with this. Once SLS bought my mortgage, without my knowing, they started charging me late fees. When I figured out what was happening, I contacted them and the CSR said that SLS does not accept partial payments at all. I even offered to make a couple of payments early so I would never be behind. The CSR stated that was not allowed. How can SLS purchase my mortgage without my knowing and then change and restrict my payment options? In looking into SLS, it seems that many people have had issue with them, and filed many complaints. Please look into this shady company.
On XX/XX/XXXX, my Wells Fargo 2nd Mortgage account ( HELOC ) switched from a 12 month fixed introductory rate to a standard flexible rate. Per Wells Fargo, this rate change prompted a temporary erroneous reported balance increasing the amount by {$120000.00}. I contacted Wells Fargo to ensure the reported balance would be corrected and asked for confirmation that they would not report the erroneous balance to the credit agencies ; Wells Fargo verbally confirmed that I would not be impacted from a credit reporting perspective. 

On XX/XX/XXXX, Wells Fargo corrected the account balance amount crediting my account {$120000.00}. My Wells Fargo account has shown the correct balance ever since. The ISSUE is that contrary to what XXXX XXXX confirmed to me, they have in fact been reporting the erroneous account balance to all of the credit agencies. Since XX/XX/XXXX, I have been in contact with Wells Fargo several times in an attempt to fix this. A case was opened through the Wells Fargo Executive Office to address this and I received a phone call on XX/XX/XXXX, to notify my that the case was being closed and all actions have been taken to correct the issue. 

My grievance and concern is that the issue has not been resolved and I continue to be negatively impacted as a result of Wells Fargo 's inability to correct an issue they created. My credit score has decreased and I do n't know how else to fix this. As of XX/XX/XXXX, my HELOC account balance is {$11000.00} ; all credit agencies are reporting an outstanding balance of {$230000.00}. 

Ever since first entering into a relationship with Wells Fargo in XX/XX/XXXX, I 've felt that I 've been mistreated and taken advantage of as a customer. I was asked to open a checking account and verbally obligated to opt for automatic account payments in order to qualify for my mortgage. Earlier this month, I was finally able to cease automatic payments after Wells Fargo made another mistake debiting my account twice. 

This is all unacceptable and I am tired of being mistreated and negatively impacted by Wells Fargo. I have never experienced such a level of ineptitude and bureaucracy with a financial institution.
I have stayed in contact with them on several occasssion. I have maintained my payments on a monthly basis however recently I have been experiencing financial hardship but still maintained to make my payments. Good payments no return payment history. Every time I speak to some one they advise me because I have already gotten assistance I dont qualify. I understand and advise them that I have every intentions to pay which I do and have statements that show I do and where I have fallen behind due to hardship. Today I spoke with someone and told her XXXX was her name in collections that I had to change my payment date from the XX/XX/XXXX to the XX/XX/XXXX due to financial hardship. The payment was set up and she said her manager will be cancelling my payment and repossing my car. I have done everything I could as a single mother to make sure my car doesnt get repoed and for some reason it seems they just want to threaten me and repo my car. I have not had previous good communication with this company and having to pay my car for 3 years and still owe so much for a 4 year old car worries me even more. I dont know what to do anymore.
XX/XX/2018 : {$6000.00} was withdrawn from my savings with what appeared to be a XXXX account linked to my SunTrust Savings account. After several days the money was reimbursed. 
I reported this immediately to SunTrust. After being told the first time it wouldn't happen again, 30 days later it did. 
XX/XX/2018 : {$35000.00} was withdrawn from my savings and two checking accounts with again what appeared to be dozens of XXXX accounts. 
I immediately froze my account, changed my passwords again. After about 10 days, the funds were returned and I unfroze my account so that I could transfer all funds to a new bank ( XXXX ).  While waiting over the past 48 hours for my check to clear to the new bank, additional funds are now being sucked out of my checking account and I am told SunTrust " probably will not be able to stop it ''. I notified them within 30 minutes of the transaction pending and they are unable to prevent it. I literally do not have enough time to move the funds before the thief steals from me again and SunTrust is incapable of preventing the theft from occurring. It is now impossible for me to move the funds. My mortgage was due weeks ago and they have provided no assistance to ensure I can access my money.
I contacted company to have removed because the bill is not correct. I asked for documentation validating charges but they weren't able to provide any. I asked that this account be removed off your credit report because the fair credit reporting act states they must supply me with an agreement between myself and creditor and they have failed to do so and i do not owe the bill.
I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have 2 accounts and XXXX credit inquiries listed on my Equifax, XXXX and XXXX XXXX credit report that are fraudulent and unauthorized. The following accounts and credit inquiries are fraudulent : XXXX XXXX XX/XX/17,  XXXX XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XXXX XXXX XX/XX/17. Further, please add the following personal information to my credit report : Employer : XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX Phone : XXXX, Position : XXXX XXXX XXXX XXXX  Annual Salary : {$150000.00}
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
I get continuous calls and emails from a debt collection company, even though I have perfect credit and have no collections. Here 's the phone numbers and links to show this is a scam. 

I was called from XXXX - XXXX, CA and left a voicemail to call ( XXXX ) XXXX which is Dynamic Recovery Solutions. I never saw so many names, family members, and addresses connected with one phone number, that was NOT a business line. There is no reason for me to get a call from this type of company. 

XXXX And XXXX From the XXXX : This company is trying to collect on a debt that was settled by legal arbitration in XX/XX/XXXX. The statute of limitations on the original debt expired in XX/XX/XXXX, yet they continue to report an outstanding balance to the credit reporting services. This is harassment, pure and simple, and companies like DRS are little more than predators who make a living by intimidation and blackmail, even though they have no legal recourse or standing to enforce the " debt '' they seek to collect. This should be illegal, though as we all know, money buys justice, today more than ever. 

This customer had a NEGATIVE experience with this business. 
This customer WOULD NOT recommend the business to a friend, family member, neighbor or colleague. 

By XXXX On XX/XX/XXXXXX/XX/XXXX Just want to let all of you know how Dynamic Recovery Solutions , LLC sent me a letter home trying to collect apparently a debt from XXXX. I do n't know where they are getting personal mailing addresses, but they are. I call them and they are such a scam, they tried to go around just to get personal information. I interrogated the operator and the supervisor and we 're not specific as to where they where they were able to obtain my mailing address, their excuse was how many person had my same name, how can they believe they are contacting the right person. Do not fall for this. 

These are a few of the many complaints.
I am concerned about a Credit Card I currently have with my banking institution. I owe upwards of XXXX on this card, but am having difficulty understanding how the interest rate on the card is calculated or even what that actual rate currently is. I have reviewed my billing statements and the card 's website and am unable to definitively and clearly understand what the rate is or how it 's determined. I believe this is a deceptive business practice to prevent me from being able to clearly understand my interest rate. Also, it seems every time I make a payment, an exorbitant interest charge is placed on my account within the next few days, effectively keeping me in debt by continuously raising my balance.
un approved charge to my Chase checking account. 

XXXX add offering free trials on pills. I ordered the free trial I paid the shipping cost. 
The pills don't work I believe they are no good. I contacted the customer on XX/XX/XXXX to cancel. I did receive a E-Mail confirmation for no future charges on my account. and on XX/XX/XXXX. I get a charge for {$92.00}. and there was no additional product sent only the original free trial. I contacted my bank, they added a credit for this amount and mid month I received a notice from Chase that they have charge the {$92.00} again. I have not received any additional product from this company but they did charge my account after the day they agreed to cancel. I will attach the accepted cancelation notice. 

XXXX XXXX XXXX XXXX
I took a payday loan out through Cash Express in XXXX, KY. After doing so my spouses mother XXXX  which caused me some time off work and then the father of my child quit his job so we lost our child support. Both things caused a decent decrease in my income right at the time I was supposed to pick up the loan. When I did n't pick it up they sent it to my bank even after I called and let them know I could n't pick it and I needed time. This caused the due amount to change to {$610.00}. When I went in to speak with the people who work in the store I was told this is a felony charge and they would take me to court at the sixty day  mark. Now I 'm freaking out!! They want me to pay the {$610.00} and promise to let me take out {$250.00} but I 'm still really in no shape to pick it up and I do n't know what to do. I do n't want to go to jail or have that on my criminal record. What should I do??? They want me to pick it up this week!!!!!!!!!!!!!!!!!!!!!!!!
My name My name is XXXX XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with XXXX in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that Midland Funding LLC ( who say the own the account ) provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of their receipt of this request. 

Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( b ) ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Sincerely XXXX XXXX XXXX
My mortgage company paid my property taxes and my home owners insurance even though I do not have an escrow account through them. Meanwhile i paid my property taxes and home owners insurance too. Now my mortgage company will not accept my mortgage payments unless I pay them back for the taxes and home owners insurance. I have not received a refund for any overpayment from taxes. I am not nor have I ever been late on my property taxes. This amounts to {$4900.00} and if I do n't pay this amount I will be in default and may lose my home. I have called and discussed this with customer service who admit they do n't understand how this happened. They told me to go ahead and make my regular payments and if and when I receive refund for taxes to send it to them. They then transfer me to payments who will not accept my payments for anything less than {$4900.00}.
I contacted the customer contact center to discuss alternate payment methods. I went through an interview process discussing monthly expences. At the end, they concluded the amount owed vs what the income was, was higher, but they could not lower my payment. When I asked how that made any sence, if they see obviously the gap in income vs debt, the gentlemen in the collection area became defensive and basically told me its my own fault im in the position I 'm in, and they ca n't help. When I asked to speak with someone else to get another perspective, he refused. So I asked for his name so I can discuss with someone in their executive area, and he stated it was n't necessary and hung up the phone. How am I supposed to work with my creditors to honor my obligations when they act in such a manor?
Ive repeatedly disputed the validity of debts from XXXX for {$59.00} and XXXX XXXX for ~ {$9000.00} with all three major credit reporting agencies with only temporary success because while neither company has adequately verified the validity of the debts within the allotted 30 days, neither debt has been removed from my reports. In fact, XXXX keeps reselling the debt even though their own records show that they continued to bill me after they verified that they could not provide services to my location. XXXX XXXX debt was usury in nature. The originator refused payment of the original debt from the US Dept of Vet Affairs which intervened to prevent eviction within a month after an unplanned job loss. The originator of the debt then tripled the fees and sent the item to collection. Ive repeatedly disputed these items since XXXX 2017 but they keep reappearing after brief removal.