WillisBack/dataset-financial-user-claim huggingface dataset:
I applied to the Barclaycard Ring Mastercard becuase the offered no interest and no FEEs for balance transfers. We got approved and when we went to do our balance transfer they told us there would be a fee. We complained, stating that the website application says no fees. We called Barclay and showed them the website and they said they would pass this along and it would be 10 business days to get it fixed. It has now been 14 business days and nothing has been solved. We keep getting put off. The application website is still up offering the no transfer fees and interest free on balance transfers. This has got to stop. When I went out on our Barclay account page it showed us a {$15.00} balance. We questioned it and they said it was because they rushed the card to us via XXXX. We did n't ask for that. They said they would take that off our account and over 2 weeks later it is still there. I ca n't believe a credit card company like this stays in business since all they do is put it off for a board review. While I may be one person. My Brother-in-law also signed up for card for the same reasons and he has run into same problem. Lies after lies and always being put off.
There is a collection for {$210.00} on my Equifax report. I was not made aware of it and never got anything from any collection company stating I had been turned over to collections. I called a medical billing company I thought it might be, they said it wasn't them. That leaves an unknown company damaging my credit with no notification to me. I want this item removed and never put back on my credit. If it is I will promptly sue the biller and the collection agency for numerous Fair Credit Act violations. See page page 2 of the report attached, top of the page.
I have had a loan with  XXXX  now Navient since  XXXX . The original loan amount was {$10000.00} after some 13 years of payments I still owe {$8400.00}.  <P/> Loan Status Repayment Repayment Plan Full Principal and Interest - Ends   XX/XX/XXXX   Repayment Start Date   XX/XX/XXXX   Estimated Payoff Date   XX/XX/XXXX   Ready to pay off this loan today? Here are the amounts : Show more information about Loan Payoff Online {$8400.00} By  U.S.  Mail {$8400.00} Unpaid Principal {$8400.00} Current Balance {$8400.00} Interest Rate 14.250 % Interest rates on private loans are set by the lender.   Interest Type Variable School   XXXX   XXXX   XXXX   Lender NAVIENT Disbursement Date  XX/XX/XXXX   Original Principal {$10000.00} I need some help, these terms are awful.
It has now been 7 days past the deadline for Citi to honor their targeted promotion to me for opening a citi gold checking account and meeting all requirements which I have successfully done as confirmed by several representatives since account has been opened ( XX/XX/XXXX ). My offer was for XXXX Thank you points ( promotional code : XXXX ). My account was opened over the phone and confirmed I qualified for this promotion.
On or about XXXX XXXX, Chase bank closed my husband and my accounts. First my husband was paid on or about XXXX XXXX, a week ago. He found he could not access monies to move over to my account ( which were linked ). He was first told that his account was suspended for fraud? In which we were NEVER informed to find out that was n't the truth either, they 've known since and before our payroll hit that they were going to suspsend our accounts and never contacted us accordingly, which left us without knowing our rights and access to any monies left over from payroll/EFT depoists. Then a day later to find that it was suspeneded for mismanagement/NSF charges on Saturday and that we should be receiving a letter-we/I do not deny, however, I did not find out my account was also supspended until Monday, XXXX XXXX. We were NEVER notified in writing, and it has been well over a week since Chase audit departments initiated closing our accounts, hence, they should 've sent us a letter in advance, letting us know that our monies would be held to cover any overdrafts and or incoming transactions and when our remaining monies would be returned. 
I find these practices unlawful and illegal in the since that I have no monies and because of a XXXX situation, I was not able to quickly find out the status of my remaining funds, which could have left me in danger! To date, it has been well over a week and we were not notified via Chase secure server and other ways they could 've informed us that our monies would be withheld via the closiong our our accounts. I am not denying the reason for closing, but the illegal and deceptive way Chase has gone about this matter and not properly notifying in writing and what and when, what we can do about the matter, in regards to our rights and their right to just withhold/close our accounts with nothing in writing or a reprieve. I am a XXXX veteran and my income in limited with a XXXX issue happening in my home, which left me unable to pay many of the bills I need to XXXX survive and to take care of myself.
I have repeatedly contacted EQUIFAX to resolve the issue of hard inquiries being made on my credit report. I have also contacted the companies personally regarding the same situation. Finally, I have submitted all copies, etc of letters to EQUIFAX. They have continued to not resolve the situation.
I attempted to do a streamline refi with Homebridge Financial XXXX XXXX XXXX. They contacted me with the refi. I told them I am filing a Chapter XXXX bankruptcy. Can this still be done, " I asked ''? The loan officer said sure no problem. I also disclosed right away to the loan officer about our loan modification that has been closed and recorded and gave him copy of that too. Our modification lowered rate from XXXX to XXXX and they took a balance off of XXXX estimate. I lost my job XXXX XXXX and Illinois would not extend my unemployment past XXXX XXXX. Well filed BK in XXXX XXXX new loan approved with the Judge XXXX XXXX XXXX. I made first payment in XXXX XXXX on new loan. Anyhow with everything the old loan with homebridge not paid off they said they want interest of XXXX from XXXX thru XXXX XXXX XXXX. They gave me a lender credit of XXXX. I already paid closing costs XXXX for escrows etc. They froze the new loan after I made first payment. 
XXXX and XXXX XXXX XXXX cell XXXX email XXXXXXXXXXXX XXXX XXXX XXXX XXXX Il XXXX ... Purchased XXXX/XXXX/XXXX XXXX FHA case # XXXX shows closed XXXX/XXXX/XXXX old XXXX number XXXX Fha new case number XXXX shows only XXXX opened. new loan number XXXX. We are making payments with the collections department of Homebridge since this closing is all messed up. They did not clear the check for XXXX XXXX payment yet??? We will make XXXX XXXX this Friday. Not sure what to do our Bankruptcy attorney is trying to fix but they wont talk to her for over a week now. What is our legal rights on this? I have asked since XXXX XXXX for an explanation since I found out with Homebridge and XXXX XXXX, Homebridge said we will only speak with your attorney. My attorney was requesting the reason either a hud or a breakdown of why they are asking for final amount from me is XXXX. I already paid XXXX in closing costs on XXXX XXXX XXXX. This does not seem to be correct. I asked if they are recalling the modification. The pay off request for XXXX through interest of 4.375 on a loan amount XXXX through XXXX XXXX XXXX. They shaded out the Fha case number as well as loan number. Thank you for your assistance.
OCWEN Loan Servicing has marked my account as well as my wife 's account with all XXXX credit bureaus as a foreclosure. The house legally was sold to XXXX & XXXX by me and my wife XXXX through a professional licensed Realtor. The mortgage was paid in full at the time of closing. The account should just show as a normal account paid in full and closed. This derogatory condition on the account is preventing my wife and I from seeking a fair car loan. I filed a complaint with OCWEN almost 20 days ago at which time they told me I would hear something back from them within 10 days. 
Property description below. 
*Legal Description : XXXX *Property Address : XXXX XXXX XXXX XXXX XXXX TX XXXX
As of today XXXX XXXX, 2016, We have not received our monthly mortgage statement from Ocwen Loan Servicing LLC . It 's been 45 days since our last statement. Ocwen Loan Servicing is trying to make us default on the loan Also since we the request for account to be de-escrowed, we have not received a refund check. I want the funds be sent directly to us and not applied to the account.
I went out in XXXX XXXX ( XXXX XXXX ), California on the night of Saturday, XX/XX/XXXX beginning around XXXX PDT and stayed out until approximately XXXX PDT when the area closed ( please note this means my night technically ended on Sunday, XX/XX/XXXX ). The last charge I made that night was at XX/XX/XXXX at XX/XX/XXXX for {$44.00} - but after leaving the bar I noticed my phone and wallet were missing from my pockets. My best guess is as the venue was crowded with many people close to each other that I was pick-pocketed. I walked home ( I live nearby ) and immediately messaged my friends. First thing the following morning ( still Sunday, XX/XX/XXXX ) I went to XXXX XXXX XXXX when they opened. I called my dad from the store phone to ask him to block my stolen cards, then I spoke with a customer representative to buy a new phone because I had received an alert that XXXX XXXX XXXX had been disabled ( screenshot attached ) - so I knew it was taken as they blocked me from finding it. Once I had my new phone I immediately called Bank of America to report everything and let them know of the fraudulent activity. We went through each transaction and I noted when the fraudulent transactions began - first with a {$500.00} cash withdrawal in XXXX XXXX and then another {$300.00} cash withdrawal in the same area. There were also internal transfers made - specifically the majority of my savings account was moved to my checking account. There was then a fraudulent charge made at XXXX 's for {$1000.00}. The customer rep at BOA noted this and opened two claims. Within a few days I was granted a temporary credit for one of the claims and {$1000.00} was stored into my account. ***Please note I also made a report with the XXXX XXXX Sheriff 's department and provided this information to BOA*** Today, Saturday, XX/XX/XXXX I  received an email from BOA that they will NOT be reimbursing me for my losses and they concluded the fraudulent charges " were not made in error '' as stated in the attached letters. Also stated is the temporary credit of {$1000.00} will be reversed from my account on Monday, XX/XX/XXXX. I immediately called to challenge this decision but I was informed the department is not open until Monday. 
Please let me know if there is any more information I can provide and I will gladly do so. Thank you for your help.
I would like to file a complaint against Chase Mortgage due to their communication practices. My husband and I have been homeowners for XXXX years, up until the past couple of years due to unforeseen circumstances we have always had an excellent credit score. My husband lost a very good job in 2006 and it took up until this past XXXX to replace it with a job that has an equivalent salary. The problem is that during the time that he was unemployed or very underemployed our debt continued to rise. About XXXX months ago for the XXXX time ever, we got one month behind on our mortgage and it just could n't have been avoided. Now since we have a not so perfect credit score that we are working very hard to bring back up, Chase finds it necessary to call our home several times a day. Last week I told them XXXX times in the same day that the payment for the second mortgage had been made and they needed to give it time to show up in there system. Keep in mind, due to our pay schedules we have always paid our first mortgage on or close to the XXXX of each month. They are now relentlessly calling my home with " courtesy calls '' when I have told them that the payment will be made on the XXXX as our pay history shows that we do. The " courtesty or reminder '' call I can understand. I understand that I owe them approximately {$200000.00}. However, I can not understand their reasoning behind calling me several times a day, increasing our financial stress which impacts our health negatively. We have been through a lot since 2006 financially, emotionally and everything else. My credit is very important to me, but I think it is a waste of my money and every other mortgage and/or stock holders money out there for them to employ people to CALL SEVERAL TIMES A DAY AND HARASS people who were impacted very negatively by the economy and many cutbacks and are working hard to pay their bills. What they are doing is harassment and it needs to stop. I do n't need a reminder for my mortgage - I think about it daily. I hope you can do something to stop them from this distasteful practice. This makes absolutely No Sense when the account has a XXXX day grace period. When I can pay ahead, I will but I am not currently in the position to do that and do n't really need them telling me that is what I need to do. Trust me, if it would make them leave me alone, I would. Thank you for your time.
I have an initial fraud alert on my Experian credit report. I have been trying to have it removed from my credit file for almost 100 days. I initially contacted Experian by phone, and their automated system advised me to end a letter. I did so on XX/XX/XXXX. After two weeks, I again checked my credit report to find that it was not removed. I sent a follow-up letter as instructed by Experian on XX/XX/XXXX.

Since then, I have tried to call Experian, but their phone system makes it literally impossible for me to speak to a human. The one time I got put in a phone queue to talk to a human the wait time quoted was " over 2 hours ''. Just today, on XX/XX/XXXX I was on hold from XXXX EST till now, XXXX EST waiting, all the time getting an endless loop of onhold phone music and company propaganda.
I purchased a car about 3 years ago, with Toyota finance, I was involved in a car accident, the other Party 's insurance took cared of the pay off amount on my car, I tried purchasing another car in the same dealership, once they checked on my credit, the toll me that I have a charge off amount of {$7800.00} which is not true, I have documentation stating that I only own them {$470.00} which I 'm willing to pay if they help me by taking that charge off, off my credit because like I said its not true
This number is from USAA. They call me between 3 to 5 times each day and i have recieved around 200 calls from them in the last 2 and a half months. I get calls from them first thing in the morning and get calls throughout the day all the way up to about XXXX. I have told them to stop calling me numerous times but they keep at it. Its rediculous how many calls i get from them just in one day. They need to stop.
I seen some a irregular activity on my bank account and called citizens Bank on XXXX XXXX, 2014. The representative was very condesending and rude. He said, " Ma'am! If someone were to steal my credit card information it would be for more than $ XXXX, it would be for hundreds of dollars! He brought to tears! Talked to me like I was crazy! I am a single, working mother! The activity only continued but due to my XXXX, of having to call and be demeaned again by another representative I ignored it ... Until the transactions got larger! The bank agreed to pay me back from my XXXX contact with them as per the attached, in the amount of {$310.00}. This was all due to the fact that the customer service representative, XXXX XXXX, on XXXX XXXX, 2014, said " no one would steal small amounts of money!!! '' Due to his lack of knowledge, rude, condescending behaviors and negligence they are telling me I 'm out over {$1500.00}. If he would 've did his job, when I called to alert them of the suspicious activities, he should have immediately issue a new card, In addition, I would not be going through this! Someone skimmed my card from a gas station and stole my information. I do n't know if I should contact the police as well, and am at a loss with all of this! Is there anything I can do? Are there requirements for the banks insure their employees? I have called multiple times and can not even communicate with the customer service representatives! Please HELP ME!
Today XX/XX/2018 I received a letter from experian credit reporting agency stating they will not re-investigate an account for me that does not belong on my credit report. I had XXXX re-investigate this account for me and after the investigation it was removed off my report. I am uploading a copy of the letter I received today along with the account that does not belong on there. I do not have a copy of the police report. I requested a foil report with the police department awhile ago and was told it was not on record anymore. Experian should not be denying me to re-investigate this account for me. There are fraudulent charges on this account.
Ive sent letters asking for verification of my original signature and was not given any proof only a bill that was generated from their computer systems this is old it came off my credit report and now they are back with the harassment phone calls please can you help me fix this
I LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF INQUIRIES THAT I DID NOT AUTHORIZE FRAUD IDENTITY THEFT PLEASE HAVE THESE FRAUDULANT INQUIRIES REMOVED  1  )  XXXX   XXXX 17  XXXX 17  XXXX   XXXX  17   XXXX   XXXX 17  XXXX 17  XXXX   XXXX   XXXX  17   XXXX   XXXX  17   XXXX   XXXX  17   XXXX -17   XXXX      XXXX    XXXX  17    XXXX   XXXX    XXXX -17  XXXX   XXXX   XXXX  17    XXXX      XXXX    XXXX  17  PLEASE HAVE THESE NON ACCOUNT INQUIRIES REMOVED
The Awa Collections account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for XXXX. Please assist me in getting this account removed from my credit file.
On my American Express credit card ending with XXXX, there was a credit balance ( due to refund of earlier spending ) of {$180.00}. On XX/XX/2016 ( as shown in the statement ), Amex sent me a check of the amount of {$180.00}, without my request. I deposit this check to my XXXX saving account ( ending with XXXX ) on XX/XX/2016. On XX/XX/2016, XXXX notified me that the check was returned by American Express ( Reason : Refer to maker ), and I have to contact check issuer ( American Express in this case ). There was a fine of {$12.00} due the returned check by XXXX. 
I started to contact Amex. I talked to XXXX Amex presentative and escalated to a supervisor on around XX/XX/2016 and the supervisor promised me that Amex will send me a new check after investigation. 
On XX/XX/2016, I received an Amex account online notification stating " Our investigation shows that the check was paid on XX/XX/2016 '' and I have to call Amex immediately. I called Amex again and talked to supervisor XXXX ( Amex employee # XXXX ). XXXX promised me Amex will credit {$180.00} to my credit card account as the solution within 2 days. 3 days later ( XX/XX/2016 ), instead of receiving the credit, I received second Amex online notification which is exact the same as the first notification ( the check has been paid ). I called Amex and talked to the third supervisor XXXX. XXXX promised again will issue me the credit after internal investigation within 7 days and will call me regarding the investigation result. However I did not receive any call and did not see the credit either. Instead, on XX/XX/2016 I received the XXXX Amex notification saying that the check has been paid. I talked to the XXXX Amex supervisor XXXX ( Amex employee # XXXX ) and XXXX request me to send the documents ( XXXX account activity and returned check image on XXXX ). I faxed the documents to Amex fax number XXXX. 
On XX/XX/2016, I initiated a 3-way conversation with XXXX and Amex ( My earlier request to have a XXXX way conversation was declined by Amex supervisors, as they promised it is not necessary ). This time I talked to XXXX Supervisor XXXX XXXX and Amex Supervisor XXXX ( Amex XXXX # XXXX ) at the same time. XXXX insisted the check was returned, and Amex insisted the check was paid. At the end XXXX supervisor XXXX said she opened an urgent case with XXXX ( case # XXXX ), and a special team member with call me on XX/XX/2016. Amex supervisor XXXX said he reopened previously closed case ( case # XXXX ) for further investigation and will also call me on XX/XX/2016. 
On XX/XX/2016, I did not receive phone call regarding the status from either XXXX or American Express. 
During the process I spent more than 3 hours with Amex and XXXX ( talked to XXXX Amex supervisors and XXXX XXXX Supervisor ), and still did not see any solution or even received the promised status phone calls. 
Amex case # XXXX XXXX case # XXXX
I completed annual credit report request form for all XXXX reporting agencies and mailed the form to : XXXX, GA XXXX. I immediately received in the mail my annual reports from XXXX ( XXXX/XXXX/16 ) and XXXX ( XXXX/XXXX/16 ). Experian sent a letter on XXXX XXXX, 2016 stating they needed more information and provided an entire list of verification items required. The letter stated that I could also get a copy of the credit report online. I tried accessing the credit report online from XXXX as instructed but could not obtain the credit report using that method. I then made a copy of my drivers license, provided a copy of a utility bill along with the original form that contained all the info such as name, social security number and other requested info and mailed back all the documentation. I received another letter dated XXXX XXXX, 2016 stating my info was either insufficient or illegible. Neither situation applied. I provided all requested info with clear legible copies Once again, the letter stated I could go online to obtain a copy of my credit report. I then attempted to go back online and was still unable to get the report online. There is no telephone number for Experian or XXXX that allows me to speak with a real person! Experian has made it impossible to receive a free copy of my credit report while XXXX and XXXX simply provided the report based on completion of their form.
I, as well as my neighbors, have had multiple credit cards stolen from the mail. 

Most credit card companies, upon being notified, have immediately canceled the card and refunded the fraudulent charges. 

Bank of America, on the other hand, has refused to cancel the charges, claiming since the card was physically present, I am responsible. 

My Bank of America credit card had never been used in the previous 5 years, and yet, upon being used for a number of charges, no fraud alert or notification was sent to me. I personally noticed the charges when I was billed, and immediately notified Bank of America. 

During Bank of America 's investigation they noticed there was another phone number on my account, but they could not identify where that phone number came from. Was it used to activate the stolen card, or did someone else have access to my account? The only thing they claimed was since the card was physically present ( obviously, since it was stolen ), I was liable for those charges, which was a total of {$53.00}. 

As far as I can tell, Bank of America is unable to adequately protect its clients accounts and also unable to adequately investigate fraudulent charges. I have since closed my account, but am looking to get those fraudulent charges dismissed. 

My credit report shows that I normally have thousands of dollars of revolving debt every month, all of which is paid on time. However, I refuse to pay even {$50.00} for charges I did not make.