WillisBack/dataset-financial-user-claim huggingface dataset:
After a health issue in XX/XX/XXXX I fell behind on many bills. These past few months I have been trying to fix that. I settled what I could with what little money I had. I started looking at refinancing my home. During this process, the mortgage company denied me saying Wells Fargo has my account as a charge off but is posting the charge off every month as if it is happening every month. They are also posting late after the charge off. I spent a lot of time trying to find a way to fix this issue. I was offered a settlement for that account. I paid the settlement XX/XX/XXXX. Wells Fargo backed off the settlement and posted on my credit report that the payment made was a payment. I called everyday and got no response from anyone. I finally got XXXX XXXX on the phone. I explained to her everything. They are now posting my account as a charge off. And are beating around the bush to say I didnt settle the account. Without the refinance I can not pay the remainder debts off I have. After reading about the fair credit reporting act, I saw they have violated and ignored it on my credit report many times. I have a letter from them stating if a pay the amount. The account would be settled. They lied to me about that. I can not even get a receipt for the settlement I paid.
HH GREGG credit account. Charged us high interest & added it to our account without giving us any notice. I asked in HH Gregg local store in XXXX XXXX, if they could tell us a " balance '' or give us a payment statement. HH Gregg told me, they have no access to this information. 
I went on " my online '' account for HH Gregg. To my surprise, there is " no available '' information, regarding : statements, balnce inquiry, current amount due or payment history. No record of " interest due '', current interest rates charged. 

I went to store again & asked what is my balance, after paying a store payment. The store manager again stated : " we have no way of knowing this information ''. 
I told store manager, that I went to my " online account '', and could not pull up a statement, account payment history or could not find where any " interest charges '' were be acrued! 

Manager gave me a phone number, saying : " maybe they can help you ''! 

Dissappointing, as we got an additional $ XXXX+ interest added onto our account, without being given any notice at all. Our account was down to {$1200.00}, now it has a balance of over {$1500.00}! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX ( cell ) or XXXX ( residence )
I received an email by US bank on XX/XX/XXXX that if I open a checking account and set up direct deposit by XX/XX/XXXX, I 'll get {$200.00} bonus. I completed all the required conditions. However I still have n't received the {$200.00} bonus. I tried to contact US bank multiple times in the last 4 months but still no reply.
I had a claim on my insurance for XXXX from XXXX XXXX XXXX XXXX. Claim # XXXX I have paid the company the collection agency is charging XXXX file # XXXX more then the amount owed
Coastal Credit filed a judgement against me for an auto debt. This debt was settled in full six months ago. They left a residual balance that they apologized for and removed in XXXX. I have spent several months trying to get Coastal Credit to release this judgement and send me documentation. Each time a different person claims they are doing it and it never comes.
on XX/XX/XXXX i made acheck payable to, XXXX XXXX for avehicule loan XXXX is stating that they havent received the payment this was back on XX/XX/XXXX 1 month going back and fourth to, the branch the money was deducted from my acount even that the check was alter capital one corrected the amount but XXXX saying havent received the payment there for XXXX is charging me late fees for apayment that i sent and capital one is not responding for the funds deducted on my acount
I asked investigate for wrong accounts on my report. 
Credit bureau just pretend verified without contact creditors.
Scottrade refuses to remove known-to-be-fraudulent information submitted to my IRS file. 
I would like Scottrade to remove the fraudulent information submitted to the IRS file. Everything on or after XXXX XXXX, 2013, should be removed. Scottrade is in possession of a police report that supports this request. 

Please see the attached.
I was the victim of a scam six years ago for a large sum of money. I was sent fraudulent checks, which I was not aware of at the time, and my bank cashed those checks out to me even without the necessary funds to cover the checks. Thinking that this money was from a legitimate employer I cashed the checks and I sent the remaining money as they had asked. I was still in college at the time. Bank of America closed my account and made me pay the money back through a debt collector. Worried that my credit and reputation was at stake, I setup payments and paid all the money back. Still any time that I try to open a new bank account, I am rejected even though I have good credit and no other complaints on my history besides this one incident. I am always told that I need to talk to the " Risk Department. '' They then tell me that there is nothing they can do to remove my name off the alert and have me contact the XXXX ( XXXX ). When I call that companies customer service they tell me that there is nothing they can do and that Bank of America is the company responsible for removing my name from the list. Thankfully, I was able to get an account with another bank by starting out with a very limited savings account and was allowed to have a checking account after we " developed a relationship '' and I was put on a trust list with their bank. I can not even be added to my wife 's Bank of America account due to this issue. My credit score is really good and we are looking to buy a house soon. My loan specialist really wants both of our names on our bank accounts. Because this has been such a hassle, my wife is probably going to have to close her account with Bank of America and put all of her savings into my account with my bank ; therefore creating more work for her. My wife 's account is where the majority of our financial savings lies and we need to be able to show that for the home loan we are applying for. I do not understand why I am not able to be cleared even after I have paid all of the amount of the scam off. Though bank error was also a fault in the issue, I paid all of the Claim amount to the debt collector by XXXX of 2012 in order to try to reestablish my reputation.
I went into Bank of America to make a deposit to pay on a bill. the deposit was for {$75.00}. Once I looked at the receipt, i noticed the last XXXX of the account number the teller deposited my money to did not match my bank account number. Apparently, she deposited the money to another account. I stated that I wanted the money in my checking account so I could pay a bill. This is obviously the teller 's mistake. She stated she could not change the deposit although she apologized. 

Of course I asked to speak to the manager, he said he would investigate. Investigate? Investigate that my money is not where I specifically told them to put it? 

Then I am told that the money was deposited to a CLOSED credit card BOA claimed that I opened in 2006. I have never had a BOA credit card, I applied but I was not approved. I asked for the credit card info- account number etc. I am told that since the account is closed, I can not get that information. 

1. I stated the money to be deposited to my checking account and it was not - BOA 's error2. The money was deposited to a credit card I do not own- I checked my credit which I subsequently pulled my credit report and I have never had a BOA credit card. 
3. So where is my money?
I am filing this complaint because Equifax has ignored my request to provide me with the documents their company has on file that was used to verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... Promply delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you
I opened an account online with US Bank XX/XX/2016 with a promotional {$150.00} bonus. Their requirements were {$500.00} direct deposits or billpay. I met the requirement via direct deposit on XX/XX/2016. 

I called the bank numerous times to ask, " when will I get my promotional bonus? '' Their responses were XXXX ) XXXX weeks after first billpay ( XX/XX/2016 ) XXXX ) XXXX days after first billpay ( promotion ) XXXX ) go to in-store ( XX/XX/XXXX )
NationStar mortgage called me on X/XX/17 with an offer to refinance my ARM mortgage. Spoke to XXXX for over an hour inquiring in about the rates, terms, closing costs of the HARP eligible refinance. Based on conversation, it sounded like a good deal to move forward to so I agreed to have my credit pulled to continue further ; however, once that was done, the conversation felt very much as bait and switch ; each rate quoted was at the top end and the closing costs were double the original discussion AND for the first time Points were mentioned. Prior to this, for the full hour, there was no mention of points at all. When I called this out, as a bait and switch, XXXX went silent, tried to defend himself, and then ultimately hung up on me. Now my credit file has bit hit with a formal inquiry, I 've wasted time and it feels very much like a bait and switch, unfair and abusive act practice of this mortgage company that has had these type of problems already.
I am submitting this complaint in regards to an account reporting on my XXXX and transunion credit report. I have been disputing this account for months now. XXXX has deleted it from my report. There is an account ... .XXXX XXXX XXXX that has fraudulant charges on it from over 2 years ago. I have requested that XXXX and transunion please delete this account off my report as it is causing me hardship with my credit score. I was told they will not re-dispute this information unless I have a police report or further documentation to provide. I plan on going down to the police station to file this identity theft report this week. However after legal advise I sought I was informed that I can request to have this account blocked from my file for other creditors not to see in the meantime. I spoke with XXXX the other day and was told they now will re-dispute it and try and block it and or delete it but I must allow 30 days again. I want this account blocked from my credit reports because I am being penalized for something I did not do.
I am XXXX and was living in my car. XXXX XXXX XXXX and XXXX XXXX XXXX repossessed my car while inside a grocery store, leaving me living on the streets.
XXXX/XXXX/2015 Debit ***OVERDRAFT FEE $ XXXX $ XXXX Debit TRANSFER XXXX SAV-INTRNT XXXX INTERNET PAYMENT $ XXXX Debit TRANSFER XXXX CHK-INTRNT XXXX INTERNET PAYMENT $ XXXX POS XXXX # XXXX XXXX XXXX XXXX WV XXXX BB & T CHECK CARD PURCHASE-PIN XXXX XXXX Credit COUNTER DEPOSIT View $ XXXX Debit ONLINE XXXX XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$50.00} $ XXXX XXXX , ''BB & T '' charged me OVERDRAFT FEE OF $ XXXX XXXX ... ... ... ( FOR {$72.00} ), WHEN I DEPOSITED A ''GOVERNMENT CHECK '' ... ... ( JUST LIKE A GET FROM THE US GOVERNMENT, EACH XXXX & XXXX, OF EACH MONTH ) ... ..THEY KNOW IT IS GOOD XXXX!! 
SO WHY DID THEY ONCE AGAIN CHARGE ME ''OVERDRAFT FEE ''? I JUST GOT THRU WINNING THE LAST ''OVERDRAFT FEE COMPLAINT '' ... ... ( BB & T..CASE # : XXXX ) ... .ON XXXX XXXX, 2015, ***FOR THE VERY SAME THING***PLEASE HAVE ''BB & T BANK '' ... ... .RETURN MY XXXX-DOLLARS FOR ''OVERDRAFTFEE '', THAT HAPPENED ON XXXX XXXX, 2015 ... XXXX ( ABOVE ). 

THANKS, XXXX
I've been trying to make my payments to AES on time and ahead of schedule, however, my payments are not being processed as I have requested. 

I've had problems with my Loan being processed as I have requested. 

Non of my Loan Payments were processed as requested in XX/XX/XXXX, until I called several times to have AES process my Loan Payments as requested. 

Now again, for the month of XX/XX/XXXX, I submitted payments for all my Loan Sequences at the same time. After calling several times, all Loan Sequences were finally paid after being not being processeed as I requested, except one. 

I requested AES apply {$140.00} Loan Payment to Loan Sequence XXXX - XX/XX/XXXX. 

But Instead AES split my {$140.00} Loan Payment among FIVE ( 5 ) Loan Sequences : Loan Sequence XXXX - XX/XX/XXXX, AES applied {$9.00} to Principle - {$0.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$2.00} to Principle - {$0.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$1.00} to Principle - {$0.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$60.00} to Principle - {$21.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$44.00} to Principle - {$0.00} to Interest This is very frustrating for me. I have to call several times for AES to finally process my Loan Payments as requested. 

AES has blocked me from making online payments as of XX/XX/XXXX.
Our house was affected by the flood in XXXX, la on XX/XX/2016. We have flood insurance, filed a claim with our flood insurance provider, indorsed the check that was issued, and sent it over night to our mortgage company. The mortgage company advisors/employee 's advised that I was not able to self contract the work even though I have friends that are certified contractors who were willing to help me without charging. They stated several times, that I could submit a letter to corporate, but I was basically spinning my wheels. I have all paid receipts for the material, and have approximately XXXX % of the work completed inside of my residence. I would like to have an inspection, and the insurance money in which I have paid for to be issued to me and my fianc in order to replenish my bank account.
I am being called as many as XXXX ( XXXX ) times a day from the number XXXX. They are attempting to collect a debt owed by " XXXX, XXXX '' who is not associated with me or my telephone number. This is related to my previous complaint with you, numbered XXXX, which you were unable to resolve as you could not identify the " creditor. '' They do n't identify themselves, and they provide inaccurate legal information ( I am an attorney ), such as " if we have to serve you, you will forfeit all your defenses - which is simply not true. That leads me to believe this is a fraudulent enterprise behind this.
In XX/XX/2018, I sent in a pay for deletion confirmation letter from the bank XXXX XXXX XXXX XXXX ( XXXX  ) to the credit bureaus of experian and XXXX, which explained that myself and the creditor had a agreement that was completed in which the account would be deleted in exchange for my payment. The letter is valid and stated completion and if I wanted to speed up the removal process I should send to the reporting agencies. I sent to the credit bureaus but experian and XXXX  never deleted it, their response was " verified ''. But i never received anything in the mail that was a copy of the verifiable proof they got from the said creditor to keep the account on my report. These types of practices by the reporting agencies are illegal, 609 federal law fcra. 
Also after not noticing any changes on my credit report, I sent in a new dispute stating the XXXX account was absolutely not verified and valid as a current account, legally. I needed to receive proof of verifiable documents, signed consumer contracts, etc. for this account to remain and again, got another response saying its still verified with no proof sent to me. The credit bureaus have my current address and contact info, they are just being a pain in the XXXX. This said account being left on my account is not only unfair but it is unjust. My report has been improperly handled which has affected my ability to obtain further credit.
XXXX sent a letter stating I owed {$600.00} to XXXX XXXX XXXX for service date X/X/17. It was not my correct first name. XXXX instead of XXXX. My middle name however is XXXX. I have never used that health vendor either.
For over XXXX years, debt collections appears on my report. I have no idea how i loaned money that I 've never seen. These loan companies eventually kept throwing the account into debt collectors which keep harassing me with phone calls during my duty. The debt collectors appear to throw my account into other debt collectors. I reported identity theft to the IRS and they gave me a pin for tax purpose. I disputed online with no resolve. I 'm also looking through information on where I worked, I never worked for XXXX. In addition, I stopped working for XXXX XXXX several years ago. The home address is also incorrect. I live on-post in an XXXX base, in XXXX. Before that I was stationed in XXXX. Why am I being attacked for being a victim of identity theft? Is n't the SCRA and FDCPA exist to protect consumers?
I got notice of a termination of rental property insurance/home owners policy. I called them to see what's it about. They said it was because I was living in the house and it had to be switched to the regular homeowners policy ( which is what I've been trying to get for the last year ). But after all that they tell me that because I have a flag for credit card that I couldn't pay because I had to worry about survival first, it was charged off the insurance couldn't be updated. I got transferred to 3 different departments till I got to the resolution department. They told me it will remain in the charged off status till it is paid off. Which I get. They wanted XXXX within a year, which I can't say ya or nay because I am still trying to get my life fully going again. When I asked if I agree to the terms would it lift the flag she tells me She doesn't know because that's up to the insurance side. Of course the insurance side is the one that said the collection department had to do it. Now I'm going lose my homeowners insurance because they don't want to help. I understand that I owe them for the credit card but I also have to think of survival too. But these are 2 different accounts. And I guess they don't understand survival first. I guess they don't want me as a customer anymore too. I was going to start paying on it as soon as I was able but it shouldn't affect the insurance.
This account had a zero balance up until I requested that it be closed there should not be a balance and no monies should be owed on this closed account
I got a lot of unwanted calls marked as SCAM I got calls from numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Repeated harassing calls from XXXX XXXX XXXX ( XXXX  ) XXXX claiming that I am being served with lawsuit documents unless I pay {$3500.00}. Refuses to provide any information about who I would be paying.
On XXXX/XXXX/XXXX, I filled out an online application for a Chase XXXX account. Except for the payment information needed for the initial account deposit, I entered in all of the application information requested, including personally identifiable information. 

Shortly afterwards, I received a congratulatory email from Chase for saving the application. It contained a link that supposedly would direct me to Chase 's XXXX XXXX page to complete my online application. According to the email, the application would be valid for XXXX  days from the date I last saved it ; however, my application could not be found after XXXX day. I immediately contacted Chase and they too were unable to locate my application and they never contacted me as was stated to me by a Chase call center representative. 

In the wake of recent credit breaches, I am extremely concerned that my PII has been comprised, which could lead to my financial harm.
Well, It 's 8 months ( and counting ) and nothing has changed at EquiFax. Now, you can talk with people ( mostly at call centers outside the US who are hard to understand because they have heavy accents ) who will only be able to enter a dispute into the same system and then give you a confirmation number ( same as before ). I have been fighting for 8 months to have my closed charge-off secured Home Equity Line of Credit Mortgage account info corrected within the EquiFax Credit File Dispute system. It has wrongly been reported as " Included in Bankruptcy '' and " Discharged through Bankruptcy '' when actually it was settled for less than full balance by the Lender before the bankruptcy was even filed. Someone at EquiFax must have " Transcribed '' the data incorrectly when received and re-entered into their copy of my credit file. Lender confirmed that EquiFax XXXX, since XXXX and XXXX have it correctly reported. EquiFax has been sent documented proof from me as well as the lender. EquiFax now wants me to have the US Bankruptcy court force them to change it by sending them some secret alert that will appear on their system. Otherwise, they say that they have no authority to correct their own mistakes ( But I guess they feel they have the authority to make mistakes and corrupt people 's credit files ). They are truly a shoddy shyster company still operating under the laws of the wild wild west back in XX/XX/XXXX when they started.
I made an online payment of {$80.00} on XX/XX/XXXX to my line of credit with Bank of America ending XXXX using my checking account at Bank of America ending XXXX, the payment was not applied correctly and I have been calling many times in order Bank of America make the correction and not succeed. I have been paying same way since XX/XX/XXXX with not problem till now, Bank of America is reporting negative information to credit bureaus hurting my credit scores. Bank of America did withdraw the money from my checking account on XX/XX/XXXX and they are not giving me any solutions.
Residential Credit Solutions Inc who was recently put under Consent Order by the CFPB continues its abusive debt collection activities illegally foreclosing on my property.
I paid my payment to XXXX XXXX on XX/XX/XXXX. XXXX XXXX was being brought out by Home Point Financials. On XX/XX/XXXX, I called Home Point Financials to see why the money was still in my account {$1700.00}. I was told it takes 2-3 business days before it will be removed. On XX/XX/XXXX, I called Home Point Financials again because the money was still in my account. On XX/XX/XXXX, The money of {$1700.00} is taken from my bank account. Next I receive a letter that I three months behind -- default on my loan (XX/XX/XXXX XX/XX/XXXX andXX/XX/XXXX ), Next I check my credit report and it states I am late XX/XX/XXXX and XX/XX/XXXX on my Mortgage all three credit bureau. XX/XX/XXXX was not even due and it is reporting late on all three credit reports I write a letter to Home Point Financials to complain and asked that incorrect reporting is removed from all 3 credit bureau -- three time. Twice they said no.
People opened both a checking and a saving USBank account under my name, using my  Social  #  XXXX .  XXXX   XXXX   XXXX . I have reported repeatedly about an ongoing Identity Theft issue with  XXXX   XXXX   XXXX , who lives with me at  XXXX   XXXX   XXXX   XXXX ,  XXXX , OR  XXXX . Her Social Securit y Number  is  XXXX . This  US  Bank account has been opened fraudulently behind my back on  XXXX   XXXX ,   XXXX  . Actually, a saving account #  XXXX  and a checking account I do n't even know it 's number. I called  US  Bank at   XXXX   XXXX   XXXX   XXXX    USBANKS  on  XXXX   XXXX ,   XXXX   to put a hard hold on both my accounts, but it was not the case. Later on I learned that both my checking and my saving account have been compromised, with  XXXX   XXXX  ordering checks under my name and using my Social Security  No. I  then learned and realized that she and her husband  XXXX   XXXX  were using the fraudulent accounts that they have opened fraudulently under my name to launder money. The check book cost me {$30.00}, for example. There were {$50.00} transactions being deposited and withdrawn back and forth, despite me calling dozens of times since  XXXX / XXXX /  XXXX   to make sure that the exact nature of these things did n't take place. I believe both accounts are closed now but not before my identity has been compromised and my credit rating gone through the mud.