WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I called my credit card provider, ( Capital One ), to make a balance transfer to pay off one of my bills for {$5400.00}. I checked the transaction 10 days later and it had not posted on my bank. Instead it was made to a different bank that I 've never heard of, XXXX XXXX XXXX and to a different account number from the one I gave the Service Rep that took my call. I called Capital One on XX/XX/XXXX and they said to wait another 10 days. I have called numerous times. The second time I called I was told to call the bank myself but yet they would n't even give me the account number the transfer had gone to. I kept calling and asking for the supervisor in the Balance Transfers Department but I was told the same thing every time. That it would take three months for the investigation. Now my credit card bill shows the {$5400.00} plus the {$100.00} transfer fee which I have been paying on the monthly payment of {$54.00}. I asked them to please credit back my account since the error was made by the bank, Capital One and why are they making me pay for their error. 
It sounds like FRAUD because the Rep that took my original call was n't very clear and I do n't remember she reading to me the company disclosures. I do n't understand how I gave them my bank information and the account number and the transfer was sent to a totally different bank and totally different account number that they are refusing to give to me. They are being rude about me calling various time to check on that matter. I do n't know what else to do. They are not returning my money and Im still paying high interest on my original bank which that was the purpose of the balance transfer to begin with plus I have to give them a monthly payment. Im asking for help or please tell me how I can go about this. I really appreciate all the help I can get.
A student loan from the Department of Education app [ ears on my Transunion credot report for {$33000.00} ... ... ..It reports this as a still open account with a balance. This account and loan has been paid off and there is a zero ( XXXX ) balance. It reports correctly on XXXX. this needs to be updated and corrected, and removed from the report.
Today I logged into my XXXX account only to find out it showed a {$6400.00} credit line ( with a {$0.00} balance ) from Kay Jewelers had been closed TODAY ( XXXX/XXXX/2016 ). 

I have not received any correspondence whatsoever in regards to my card ( aside from just having received a brand new card in the mail ) and as far as I am concerned my account was in very good standing. 

Upon reaching out, I was advised that they have a standard policy of deactivating accounts that have not been used in a certain amount of time. Now this is complete, absolute and utter XXXX -- they do n't reach out to the consumer, send a letter advising that this is about to happen or anything -- they just simply close down a credit account that has been active and in good standing for 3 or 4+ years. 

Nobody from Kay was in any position to help me whatsoever or help fix the issue, and now they 've not only lost a customer for life but they went ahead and shut down a {$6400.00} credit line that I had every intention of continuing to use. 

It is absolutely heinous to me that they have absolutely no requirement or responsibility to the cardholder to advise them of something they will be doing that can so negatively impact their credit reports. Moreover, the complete apathy from Kay staff was disgusting.
I am a Realtor representing a seller in a short sale. When we started this process 2 years ago, the lender was XXXX XXXX XXXX who subsequently service released to XXXX, subsequently they service released to XXXX who service released to GreenTree who was taken over by DItech. We have submitted all of our paperwork multiple times, and the delays that are deliberate have killed several potential sales. The company DItech, has been deliberately dragging their feet and avoiding processing our short sale packet, and as we have obtained a new higher offer, they have announced that they are service releasing, but not until the foreclosure goes through. 
All we are asking for is that the banks comply with the terms of their settlement, and actually review short sale packets in a timely manner, without service releasing when it becomes obvious that a short sale is the best solution for the borrower, and the property. 
We have been watching first hand the corporate agenda to take advantage of XXXX XXXX for their bottom line. The practice has n't changed and wo n't until they cause another collapse with their un-checked greed. I am working very hard to save someone 's credit life, and all we seek is the oversight to ensure the banks give our short sale packet a fair chance at unbiased review.
The following creditors and Transunion have been and are reporting inaccurate information on my credit report. The following creditors and Transunion have been and are reporting hard inquiries without verifiable proofs of my consents. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to both Transunion and the following creditors asking about the permissible purposes of those hard inquiries and verifiable proofs of my consents. I waited more than 30 days to have the verifiable proofs from Transunion and the following creditors of their inaccurate information and I didnt receive them from all of them. Since neither Transunion nor the following creditors have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Certified mail sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. The following creditors and inquiries should be deleted immediately are : Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX via XXXX Date : XX/XX/XXXX Creditor Name : Transunion - XXXX XXXX XXXX XXXX Date : XXXX
I received an email Check n Go denying a loan application I did not apply for and showing an address I have not lived at in almost 4 years. It contains financial information that has nothing to do with me, i.e. I have not filed bankruptcy and many more things.
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
XXXX XXXX, XXXX TransUnion Consumer Solutions XXXX XXXX, PA XXXX equest for Investigation XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Ca XXXX SSN : XXXX To Whom It May Concern : I am writing regarding a serious problem with my credit report. You are currently reporting the following items that I request that you remove from my credit report : 1. XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX The information that you are supplying to my potential creditors is simply in error and inaccurate. Please kindly conduct your re-investigation of these inaccurate items pursuant to your obligations under 15 USC 1681i. I expect that your re-investigation and correction of these inaccurate items will be concluded during the 30 day time period allowed by law. 

Thank you XXXX XXXX XXXX
I disputed with the credit bureau regarding an insertion on my credit reports from XXXX XXXX who was collecting from XXXX different collection agencies at the same time while the amount of the debts were in dispute. I sent backup to the credit bureau and instead of investigating and not sending backup, they just left this insertion on my credit report. This was in dispute before it was placed on my credit report!
I was charged a total of XXXX overdraft fees for a XXXX dollar purchase I my account. When calling Wells Fargo to see if they can waive just XXXX of these fees they stated that it was my fault and they could not do anything. So I was charged over {$150.00} dollars for a XXXX dollar purchase. ( XXXX total charges of XXXX ). I spoke to XXXX people who were extremely rude and disrespectful. I do n't think that charging me this amount of money when I clearly do n't have the money is the right solution. I even had a family member transfer money into my account to try and avoid these fees and it did not go through in time to avoid this. However, the people I spoke with still stated it was my fault. This bank is clearly just trying to make money off of me and I do n't find this comforting to know I bank with them. I am very unhappy.
Our property school tax bill was due on XXXX XXXX, XXXX. I received the bill on XXXX XXXX, XXXX and forwarded a copy of it to our mortgage company, Wells Fargo. Wells Fargo wrote back to me on XXXX XXXX, XXXX stating they receive this bill directly from the tax office and will be making this payment from our escrow account, and that I do not need to send this bill to them in the future. So they have a copy of the bill and know the taxes are due and the correct amount that is due on XXXX XXXX, XXXX. To date, Wells Fargo has not paid these taxes and we are now being assessed penalties of XXXX % every other month. The amount due is currently {$3500.00} with penalties of {$350.00} for a total due of {$3800.00}. I received a notice from the XXXX XXXX XXXX XXXX, to which these taxes are owed, stating that our taxes are now delinquent and a lien may be filed against our home. I have called and spoken to various representatives at Wells Fargo over the past 3 weeks. I spoke to XXXX XXXX on XXXX/XXXX/XXXX and she said the taxes would be paid by XXXX/XXXX/XXXX. They were not. I called again on XXXX/XXXX/XXXX and spoke with another representative who said the file would be escalated and would be paid. The taxes remain delinquent. There is plenty of money in our escrow account to pay these taxes. The notations on our account state that the next tax due is XXXX/XXXX/XXXX. This is incorrect but Wells Fargo refuses to change it or pay the taxes that are now 5 months late.
I made an agreement with the XXXX XXXX courts to payoff amount of XXXX dollars to XXXX XXXX   XXXX in XXXX Arizona who was representing XXXX XXXX of XXXX XXXX, CA. I agreed to pay XXXX dollars biweekly which I did and paid of and settled the account XX/XX/XXXX.  Midland still shows a balance originally of XXXX dollars which I paid XX/XX/XXXX whci was my last payment. Then on XX/XX/XXXX XXXX increased the amount owed by XXXX dollars. I called them to ask them to remove the collection off my account and it is still on the report. They promised to remove it by XX/XX/XXXX and it is still there. They have been very difficult to work with and hard to understand. I just want this paid off collection to be taken of my report I am trying to buy a house and I did do my due diligence to pay my debt they should remove it a timely manner.
I filed a complain with Transunion about removing an old student loan account ( Ohio XXXX University ) from my report ( file number XXXX ). The result of the dispute came back with " new information '' instead resulting in dropping my transunion XXXX score by XXXX points. Transunion and the creditor claimed that the account " First delinquency date was XXXX XXXX '' but the is not accurate as I have never made a payment on this loan since origination. Loan origination date was " XXXX XXXX '' and this has passed the 7 years as of " XXXX XXXX. '' Thus the " the negative information '' should be dropped from my Transunion report. 
Furthermore, Transunion claimed it is up to the creditor ( Ohio XXXX University ) to remove the negative information from my credit file. However, it does not make sense since the same complain was file with XXXX and XXXX removed the information from my " XXXX credit file. '' Finally, I requested explanation from Transunion as to why my score dropped, they can not explain why my score dropped XXXX points after this dispute ( No other recent activity happen in my recent financial history ). Then Transunion is asking me to show proof that I never made payment on this student loan so they can remove it from my file - But I told them that I have no way to prove it and that Ohio XXXX surely has no record of payment made by me. 

Note : The same dispute to romve " ohio state XXXX. loan '' was filed with XXXX ( file # XXXX ) and they removed the account from my XXXX credit file. 

Thank you so much for looking into it.
1 ) On XXXX XXXX, 2014, PayPal Credit - dba BillMeLater ( PayPal ) failed to process a void/credit invoice from XXXX in the amount of XXXX and refuses to close the account to a XXXX balance in a timely manner, referring to an undetermined investigation process. 
2 ) I assert that PayPal has illegally opened a credit account in my name, applied charges to it for items that were not purchased, failed to mail statements, have mailed statements with unclear definition of items purchased, have applied interest and late fees to the account and sent collection notices, refused to process a fraud dispute, refused on-line access to their payment site. and made pervasive outbound calls to XXXX of my personal cell phones. For a debt I never held, and which, according to XXXX " no money was involved '' 3 ) This was a transaction for ticket number XXXX, that was cancelled at my request, I recognized this was a credit offer, and had other payment options. The XXXX agent stated that the void would be processed right away, and the account would be closed. Ten ( 10 ) months after the failure of PayPal to void the transaction, I was billed for XXXX. 
4 ) XXXX has repeatedly acknowledged the void in several conversations with me and shows the ticket as void on their web sites. And, they have claimed on XXXX occasions to be in direct contact with their on-site PayPal resource, who has repeatedly promised resolution. 
5 ) XXXX has stated that PayPal Credit did not process the void as other companies would, and in fact, could leave the balances open " indefinitely ''. 
6 ) PayPal Credit, rather than processing the void, opened a consumer credit account without my authorization, and applied the voided charges to the account, in effect, committing credit card fraud by making an illegal and unauthorized charge. 
7 ) PayPal has stated that they do not report to credit bureaus, and this issue would not impact my credit rating ( XXXX XXXX ) 8 ) I assert that PayPal has also engaged in retaliatory action by claiming that, in spite of their direct engagement with XXXX through on-site PayPal resources and the facts that the void was not processed, and the account opened and charged illegally, that this process must now be mediated through this portal, and go into an undetermined analysis phase. And that PayPal can not communicate or provide any resolution directly.
On XX/XX/2018 I mailed XXXXXXXX XXXX Card Payments a letter and a check in the amount of {$850.00} ( check number XXXX ). The letter was a contract that outlined an agreement that upon cashing the check, the account shall be settled as paid in full, agree to remove any and all derogatory reporting from all credit bureaus including XXXX, XXXX and TransUnion, all collection attempts and activities cease and if contract is dishonored or violated they agree to compensate me. On XX/XX/18 the { {$850.00} } cleared my checking account. On XX/XX/2018 I called XXXXXXXX XXXX and spoke with Manager Assistant XXXX rep ID XXXX because I had received a letter from XXXX XXXX XXXX XXXX XXXX card, stating that they were unable to process my request, as they did not reflect that I had authorization to receive information on this account. Rep XXXX was able to locate my account and check ( which I also forward her a copy of completed deposited check via email ) and stated that my payment was not created to my account. She assured me that she would handle it. I also asked regarding the contract to be adhered to. Attached is a copy of the letter and cashed check that was sent. To this date, I have not seen an update of removal from my credit report regarding this account. XXXXXXXX XXXX is in breach of contract and has violated the terms of the agreements.
I sign up for this loan XXXX unaware of call loans and terms. This company completely took advantage of me, number the car was voluntarily given up although not noted on my credit report. In conjunction the amount is not correct at all as the car was almost paid off! This company is a complete rip off who takes advantage of customers with less than satisfactory credit!
I have been receiving several calls from XXXX at all times, meaning from early am to late pm. They have been harassing my family and friends with personal about me, my place of work, etc. The person that has been harassing all the time is XXXX XXXX, the phone numbers are XXXX ; XXXX. She call me at my work and I have told her that she ca n't call me at my work and she has been continued to do it. I have n't received yet any communication via letter to know who they are. The only thing I know is because I search the telephone number to know who they are. My student loan was at my know with PHEAA, and I have n't received a letter from them in a long time. I want to renegotiate the debt but first I want to know to who I 'm going to give the money. Without a formal letter that let me know who has my loan I ca n't give a payment.
I was a personal assistant to XXXX. XXXX had a checking account with Wells Fargo. He and I went to a Wells Fargo branch and opened a bill payment account attached to his checking account for me to pay bills. At that time, the banker asked if we wanted a credit card attached to this account. XXXX said yes. When the first bill was received, I became aware that the credit card was issued in my name only. XXXX was not on it anywhere. He had charged on the account. Now I do n't work for him and I am stuck with the bill. He has no access to it or does not receive billings. I have tried to straighten this out with Wells Fargo with no luck. They say that I can report XXXX for fraud for charging on my credit card. He did not fraudulently charge on the card. We both thought it was his with me as being able to use it. Not until we received the first bill did we realize what she did. I no longer work for XXXX and I am stuck with this credit card bill that is n't my charge. Wells Fargo opened this account in my name only without my knowledge. They are the ones that committed fraud.
Wells Fargo sent me a credit card with XXXX limit. Even though there is no interest on the money owed [ I transferred a balance from another account } until XXXX 2017 I have never been told what the interest rate will be.
ATTENTION DISPUTE DEPARTMENT XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, FL XXXX FOCUS FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX for the XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
I moved to XXXX, or in XX/XX/XXXX to attend XXXX because I was lied to about the accreditation of the school and reputation of their school. While signing up for school I was told that my classes would be covered by federal loans. Not once did the school advise I would have a private loan. I dropped out of the school in XX/XX/XXXX when I got a little older and realized they had blatantly lied to me about the school. Now that the government has seen through their lies they have forced the school to shut down. I have filed a borrowers defense against repayment for my federal loans, but I realized that I also have a private loan that has over 10 % interest. Navient refuses to help with this at all or even provide some option since I was never aware of the private loan the only record I have of it is on their website. There is no info on the student loan.gov site and they will not even work with me the loan is already double what it was and will double again before it is paid off. The government needs to have regulations on this and I am sure they do. I have issues with them with deferment and even getting information from someone that has knowledge of how the system works. I will contact anyone I can to get this resolved and make sure this company is help accountable. They have been servicing my loans since they were sallie mae and have not gotten any better.