WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX I had {$130.00} on my account ending in XXXX. I have XXXX rush cards ending in XXXX and XXXX. I was un able to access the amount on the card ending in XXXX so I initiated a transfer which did work to card XXXX in the hope that the other card would work. It did not work so I transferred the money back to card XXXX and I did this twice again between dates XXXX and XXXX. Rush sent me documentation regarding that transfer. I also attempted withdraw the money at an atm on XXXX and that did not work. A few days later I received documentation regarding the transfer and a notation that the transfers were cancelled. Rush also removed the {$130.00} from my account. That money has never been replaced, refunded or was it used by me. I sent in forms and disputes regarding the money and was told on XXXX that the decision was made that the money was non-existent and a balance error. I was also told that the money was put back into my account which is a false statement. As of this date their is no record of that money except for the email which was sent to me since Rush removed any accounting of the transactions or balance on that date as it stood on XXXX
On XX/XX/XXXX ( a bank holiday ) I deposited a money order for {$190.00} at a Wells Fargo ATM. The receipt indicated that the funds would be available on XX/XX/XXXX, unless an additional hold was required. 

On XX/XX/XXXX, the transaction posted to my Wells Fargo checking account, accompanied by a transaction reversing the deposit. I contacted Wells Fargo on XX/XX/XXXX by phone, and was told that money orders must be deposited inside a branch, and that the money order would be returned to me via postal mail. 

On XX/XX/XXXX, I contacted Wells Fargo again by phone. The representative was unable to offer any information as to the reason for the reversal or what I should do, and suggested I visit a Wells Fargo branch. I visited a branch that afternoon ( the branch where the original deposit was made ) and spoke to a banker. The banker indicated that the money order was in transit and I would receive it soon. I could then return to the branch with it in order to make the deposit. 

On XX/XX/XXXX, I received mail from Wells Fargo " ATM Deposit Exceptions ''. The subject indicated " Check enclosed and deposit amount adjusted for your account ending in xxxx ''. The letter indicated the the check was not accepted because it was a " Non-Negotiable Item '' and that they were enclosing a COPY of my check. 

This leaves me with no options for receiving the {$190.00}.
Both XXXX and Equifax have shown two accounts, one a collection from XXXX XXXX XXXX, and another from XXXX XXXX XXXX, which were successfully removed by an investigation in XXXX of this year as having been reported to them. The information these companies have is incorrect, thus the accounts were deleted from the report. Both accounts were added to the credit report again on XX/XX/18, without notifying me in any way.
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX pulled my credit report without my authorization. My credit card account was also closed on XX/XX/XXXX due to inactivity. However, I used my card on XX/XX/XXXX prior to it being closed. I called the bank to address this discrepancy. Since it was less than a 30 day gap and because it was their error they would reactivate my account by XX/XX/XXXX and a replacement credit card would be issued because my card expired on XXXX/XXXX/XXXX. In this conversation I specifically asked how my credit report would be affected. They stated that my credit would not be affected in any way. I was told that everything on my account would remain the same with the original open date.
I have created debit cards for my teenage children. The debit card is NOT a credit card but simply a debit card account with no checks. Wells Fargo prevents them from overdrawing the account through ATM machines and certain charges like at stores but allows charges from the internet to go through even though the balance is not there which results in {$15.00} charges for each occurrence, even if the occurrence is {$5.00}. This was discussed with them on multiple occasions where they assure me it wont happen but does. 

This in no way is reasonable, they have all the technical capability in the world and are simply perpetuating overdraft fees based on old methods of writing " hot '' checks. Its simple, if the funds are n't there, then the card wo n't work. They cant say they ca n't do it because they check it at the ATM and they check credit balances preventing transactions from going through. The fact is they are ALLOWING the DEBIT card to act as though its a CREDIT card with no credit limit, this is just wrong on so many levels and another example of how they fleece the XXXX Public.
In XX/XX/XXXX, I pulled my credit and saw Smith Rouchon & Associates ( XXXX, MS ) had placed a medical collection on my credit, as of XX/XX/XXXX. From XX/XX/XXXX - XX/XX/XXXX I was never contacted to collect this debt or aware it was bought by them, as I'd JUST made a payment to the OC the day before. I've disputed the collection due to the incorrect amount they are trying to collect more than 6 times to no avail of having it removed from my XXXX  credit file. It has been removed from XXXX  and XXXX. As of today, I still have yet to hear from the CA regarding collection and I won't contact them directly as that would reset the collection date for said debt.
I purchased a vehicle from XXXX, asked them and even wrote on the application that I DO NOT AUTHORIZE NO MORE THAN XXXX ( XXXX ) Hard inquiries because I am in a credit building program with my financial institute. I was reassured that It would not be a problem ; only to learn a couple days later that they did XXXX inquiries and when I contacted them I was assured that they would have them removed ; when they did not I filed a complaint with the XXXX and Consumer Protection, once they got involved they agreed to remove the hard inquiries from my report ( s ) ; to date they have not. so I am starting the process over again with the hope of finally getting this corrected. AT NO TIME DID I GIVE XXXX permission to do that many inquiries ; and what that behavior showed me is they were extremely DESPERATE to sell totally ignoring my request ; their actions were unauthorized, unethical and their refusal to correct THEIR ERROR has had a drastic impact on my credit. The financial institutes they used I WOULD NEVER, EVER CONSIDER going to for ANYTHING.
Navy Federal Credit Union reported my loan late to credit bureaus when it was their late fees & interest that is charged after 10 days. Due to unemployment the monthly payments have been more than 10 days late. However my loan has NEVER been 30 days late. Initially the total in late charges & interest was {$400.00} and I have paid down to a {$190.00} balance and this is the balance they are reporting. I was granted a signature loan for which the last payment was due XXXX/XXXX/15. I made the last payment in XXXX and the principal is paid off. At the time of the loan my credit score was XXXX. The reporting of these late charges & interest, after the principal has been paid, is detrimental to my credit. 
The credit union has also taken money out of my account and has a hold on my savings account for these charges although I have explained the circumstances and that I can not pay the remaining late charge balance at this time. I do n't understand why they are still reporting the late charges when they have the hold on what 's due them.
ALL 3 CRA 's have not updated my balances for my XXXX   account in months my balance is {$0.00} 's yet XXXX   XXXX  AND EXPERIAN are still showing a balance of {$620.00}. XXXX has advised me to file a lawsuit against the 3 CRA 's because they have been doing the same thing to others with their updates also. AND PLEASE LET XXXX KNOW MY CORRECT NAME IS XXXX XXXX XXXX not XXXX XXXX XXXX
On XXXX XXXX, 2017 I disputed the tax lien that equifax has been reporting on my credit file. Each time I dispute this item they say it has been verified but refused to provide me with the person name and number who verified this tax lien. I have a freeze on XXXX XXXX and the court house itself did not furnish any information to the credit bureaus. Equifax has claim on many occasions the furnished is the recorder of deeds, magistrate or municipal court. Which is all a violation of the XXXX to report false information and claim to get information from the court, when it is actually obtained from an unnamed 3rd party which can easily be considered false information on my credit report.
I received a written letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX regarding an account. The written letter offered the option of " 1 payment of {$640.00} '' after which my account would be considered " Satisfied in Full '' once the payment is successfully posted. ( Please see attached letter ) I paid the {$640.00} ( please see attached section bank statement noting payment to XXXX XXXX ). XXXX XXXX now reports my account as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '', with a reported balance still owing of {$1100.00}. The original balance reported was {$1800.00} -- XXXX XXXX XXXX has simply reduced the balance by the payment of {$640.00}, rather than updating the account to " Settled in Full '', as promised in writing. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " Settled in Full ''.
I have XXXX mortgage loan servicers and I 'm having the same issue with both. I 've already filed a complaint against XXXX, this is for the servicer of my first mortgage, Green Tree Servicing , LLC. 
Green Tree acquired my 1st mortgage when XXXX declared bankruptcy years ago. I declared bankruptcy near the same time, but I signed a letter of intent for both of my mortgages with XXXX at the time ( 1st ended up with Greentree, 2nd with XXXX ) and my payments have been current since XXXX modified my loan under HAMP long before either BK. 
Aside from the initial pain of trying to get any kind of customer service when the loans were acquired, at least they have both improved their accessibility over the years. I did have an unfortunate run-in this year when my payment increased and Green Tree failed to send me a simple statement with XXXX new monthly balance beginning XXXX XXXX, 2015, but that was resolved with XXXX very lengthy and incredibly frustrating phone call to them to figure out why they sent me to collections for what turned out to be ~ {$38.00} shortage. 
My immediate concern is both mortgages are still showing on my credit report as negative because they show closed/discharged in BK. I have contacted both servicers several times to correct the issue. Neither servicer will take responsibility to correct the erroneous credit reporting. Why is this an issue? Because I want to refinance with someone, ANYONE else but the negative marks make me less than a favorable choice for any kind of loan. How are they getting away with this? What other issues are buried in poor management of our mortgages? How do we the consumers fix it?!
I had items in collection 3.5 years ago. They were already marked as " charged off '' or the unpaid balance set at {$0.00} as of XXXX XXXX. In XXXX of XXXX, these collection agencies started re-aging this debt to look like recent or current debt in an attempt and satisfaction to hurt my score. This is also an illegal attempt to collect a debt and is a direct violation of the Fair Credit Reporting Act. Even though these items were issued as delinquent 3.5 years ago, it 's showing as current, open balances and hurting me in every financial position in order to obtain new credit and most importantly, my dream of home ownership. I wish to have this removed and deleted immediately as misuse of the creditors ability to report on my credit report. Even after opening a dispute with Experian and the charge off date is stated as XXXX XXXX, the conclusion was still that this is active. I made no attempt to re-age this date or make any payments because I know that would restart the statue of limitations.
I am paying my student loans off, but other creditors are claiming that I have loans for them that do not belong to me. I spoke with the lenders and can not get a sufficient resolution to this problem.
We are currently trying to refinance our current mortgage to XXXX from Ocwen. We had a loan modification with Ocwen XXXX. We are not late with payments or in foreclosure. We started the process for refinance over XXXX weeks ago with Cash Call. Ocwen will NOT provide the pay off to XXXX. They have been harassing me, stating they need various " bogus '' things. XXXX requested the payoff, but they call and harass me! An example of their misdeeds ... I spoke with them XXXX XXXX at XXXX very upset because they had not sent the pay off to XXXX. The agent told me after she spoke to her " supervisor '' that they DID indeed have a copy of that appraisal and the pay off would be sent to XXXX XXXX within 3 days. Come to find out someone at Ocwen cancelled the request for pay off the evening of XXXX XXXX, because they " could n't reach me to get authorization for the pay off ''. I had just spoke with them the day before! They assigned me to XXXX XXXX XXXX XXXX XXXX XXXX X XXXX. They keep with these types of games. An appraisal was done within the past 6 weeks. They are trying to make me pay for another appraisal by THEIR company. I have sent color copies of the appraisal and XXXX has ALSO sent color copies of the appraisal. I have just received another call from an appraiser from Ocwen today. They are breaking the law by withholding the payoff to XXXX XXXX. We have a right to refinance. They have all the documentation they need and are still playing games and breaking the law. We want our pay off to XXXX XXXX ASAP and litigation brought to Ocwen for their continued misdeeds and breaking the law.
In the past 5 months, there have been XXXX fraudulent charges on XXXX Wells Fargo accounts ; a checking and a credit card account. Given fraud on the debit card, Wells Fargo cancelled my card and reissued a new card. Within 3 months of the new card being issued, there was new fraud on the debit card. The latest was {$31.00} for a XXXX clothing store charge apparently made over the phone - i.e. the card was never swiped since it has been in my possession. Most importantly, I have never once used this new card with new account details ( not once in an ATM, online, swiping, over the phone, never XXXX yet somehow its details were stolen within 3 months. I believe Wells Fargo is negligent in protecting client information ; either an employee is selling client information or there system has been hacked, however they provide no clarity. 

They also initially failed to even cancel the maintenance charge since I ca n't even use the account since it 's constantly frozen with fraud charges/I 'm awaiting new cards. They were more than unhelpful an sales representatives were aggressive and confrontational. Over the phone, no explanation of how this could happen was provided and I felt the call center was discouraging me from contacting the CFPB, saying they take making formal complaints a very serious matter, suggesting that the theft and illegal use of my card details was not sufficient.
I tried disputing an inaccurate item on my credit report, The items are " XXXX XXXX XXXX XXXX '' Which is showing up twice on my report. Experian did nothing to resolve it but simply change the status to " Verified '' " disputed by consumer ''. This account does not belong to me and is not reporting to any other credit bureau. They refuse to re-investigate or do a proper investigation in the first place.
I am an identity theft victim. I made my FTC report before Crown Asset Management took legal action against me. I never received the letter that I could dispute the debt. They keep claiming it was sent to my address, yes but I never got a hold of them. The XXXX that is in charge of my account was being condescending and was putting words in my mouth, basically to say what he wanted to be recorded on the phone line. I too recorded him just like they had me on a recorded line. The lady I spoke to before was really rude, told me that just because I am an identity theft victim does not mean that I am not responsible for the money ; accusing me of having given someone authorization to use my card. I requested a file disclosure from the debt collection agency and then they want to send me all these affidavits and court papers to prove that I am victim of identity theft. I have proof that accounts were opened under my identity and did not belong to me. I do not feel like returning those documents to them. They have caused me so much stress, and anxiety. I want someone of the higher ranks to tell this company to not belittle individuals, nor force or incriminate us as delinquents.
I have an application for mortgage assistance sent to my loan servicer, Wells Fargo. Wells Fargo has not indicated that there are missing documents. Wells Fargo has been reviewing my application for several weeks. Today a representative from my servicer indicated that there will be no written decision and that Wells Fargo will conduct a foreclosure sale on XXXX XXXX, 2015. Wells Fargo knows that I am entitled to a written decision. Furthermore, Wells Fargo knows that if the decision is a decline I am entitled to a XXXX day appeal period. Wells Fargo is simply attempting to see what they can get away with.
Incorrect information is being reported on my credit report, all medical information is private and reporting my medical information is against my HIPPA rights and is a direct violation of such.
Received a call about a debt from 2007. The company threatened to place negative information on my credit reports unless I pay them. This debt was settled with the creditor ( Capital One ) years ago. Under Tennessee and Texas statutes of limitations on debt collection XXXX XXXX XXXX does not have the right to collect.
Optimum Outcomes, a collection company in North Carolina, has twice made false statements in an effort to intimidate and harass. First, it indicated it would seek a judgment in this matter, while at the same time offering to settle. Second, it alleged I did not submit my request for verification within the 30 day window. That is not true.
continued attempt to collect the debt which is not mine, also hitting using various sources in different names, heading and hitting my credit history via credit reporting agency.
Have been a victim of Identity Theft and even have an alert on all XXXX reports. Someone is running my credit for credit cards, bank accounts, and loans which is impacting my credit score and increasing my inquires. The inquires from equifax was once removed and then added back.
Navient Student loan # XXXX  reported my account late in XXXX  2011. I requested validation of this information to verify their reporting and have not received any details or validity.

To my knowledge any data furnisher must advise you for any negative reporting prior to reporting and i have never received any email or mail stating the possible negative reporting.

Also this information is NOT true and NOT or NEVER been late.
Company refuses to send me documentation of the alleged debt. I have given them information over the phone to prove this debt is not mine
Company, Halsted Financial, calls 4-5 times per day. When I answer the phone the person on the other end says nothing and does not hang up.
I XXXX college on XXXX XXXX with a XXXX and two student loans to pay of. I got married last year ( XXXX XXXX ) and my husband is an XXXX XXXX XXXX XXXX. We are currently stationed XXXX and because of the XXXX agreement that XXXX and the USA have- this does not allow many jobs for military dependents such as myself. I have not had any employment since I got here and over the last year we have been paying off my school loans ( over {$40000.00} in total ) with only my husband 's income. We contacted the lending institutions to see if any options were available for lower interest rates for service members and their families, but one institution, Navient ( formerly XXXX XXXX XXXX, refused to aid us in any way, even after explaining our situation, on the basis that I am not the service member. The interest rate on this loan is almost 10 % .and we are paying both loans off of just my husband 's income. We recently almost emptied out our savings in order to get the loan with Navient to a more reasonable level ; With the dollar amount the loan had been at, and the interest rate, we were not gaining any ground on the loan with just the minimum payment, it actually went up. Why was the total loan amount increasing even while always making payments on time?
I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : XXXX XXXX XXXX # XXXX, According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. 
If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. 
According to the provisions of 612 [ 15 USC 1681j ],  there should be no charge for this report. 
If you have any questions or need additional information, please contact me at address noted below.
i received a cold call from a company called XXXX on XX/XX/2016 claiming they could help make my website better for XXXX.when i found out i was being defrauded i turned to my visa card for help.i explained to them that i received no service from this i was told i waited to long.i thought visa could still help me when i was not rendered any service.
On XX/XX/XXXX an account with XXXX XXXX was opened and closed XX/XX/XXXX I talked to several reps a XXXX  and XXXX told me it was my account I asked how was it mine and the phone number that was attached to the file wasnt mine! Which was XXXX my number is XXXX Ive submitted a police report with XXXX and they still will not remove the file from my credit report! XXXX and XXXX took the item off.
Called repeatedly, told them to stop calling they do not have the right number. They some how got my home phone number and call at all hours. I have spoken with them many times to tell them to stop harassing me. I have recorded the phone calls that I have asking them to stop. I have a lot of messages from them. On my house phone and my cell phone. Sometimes they call up to 10 times a day. I will get a lawyer and proceed with legal action if they do not stop harassing me.
I have been having trouble with Navient for years. In XXXX I made a substantial payment. I thought I paid off my account in its entirety. The company even wrote to the credit burial that I was paid off. I finally was able to reach some help in XXXX after writing a complaint here. I submitted the complaint in XX/XX/XXXX and didn't get feedback until XX/XX/XXXX. I have paid Navient XXXX much of it while still in school and even more right after the interest period started. My original loan amount is XXXX. I want them to explain in detail showing the math how it's possible that I owe them XXXX. They claim that I overpaid my account by XXXX Instead of applying it to another loan they sent me a check. I told them that I was living in XXXX to volunteer at that time, I told them before I moved there. I want to know where they sent the check to. Now I have accumulated on my account for amounts that I don't even owe and they haven't taken that off. Furthermore, they have added this incorrect bill to my credit score causing it to go down. Can someone please help me.