WillisBack/dataset-financial-user-claim huggingface dataset:
My husband is out on and unexpected, emergency,  XXXX   XXXX  and I explained this to the customer service rep. I paid the past due today so I would not go over the 30 days late on our credit. She said it would definitely be reported to the credit bureau. Can we please have help removing this since this was only th e 30th day?  We can afford to have our score go down and we have never gone over the 30 days late. I wish I had called over the weekend with the payment ( which I could have ) but I figured it was a weekend and it was n't open so I waited until today, which is Monday.
I have been put in deferment or forebearance several times since starting my loan. I have been told over and over by Navient customer service that it is a better way to go while waiting for my bankruptcy to discharge the loans and now I have a bigger amount of interest to pay as its acrued and the discharges have not been done. 
Below you will see the bankruptcy discharge as well as the original amount did the loans and all the interest added over the years.
PNC closed out my checking account back in XXXX of XXXX. They sent no letter or explanation as to why and took {$170000.00} of my money. As of Friday XXXX XXXX, XXXX there is a small balance in the account but it is still open and there is a hold on it. I want to know how a bank can get a way with this. Giving a customer no reason as to why they are closing the account by way of XXXX CLAIMS DEBIT. I called several times and asked for an explanation and never received anything. ( I have enclosed a copy of the last statement of the checking account showing the withdrawal. )
Dear Sir/Madam, I recently received a copy of my XXXX  and XXXX  credit reports and I notice there is an unauthorized and unrecognized credit inquiry made by XXXX  and XXXX creditors. As far as i knew I do not recall authorizing this credit inquiry and I understand they shouldn't be allowed to put an inquiry on my file unless I have authorized it.

If they find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If they find that I am in error, then send me proof of this. I think i got victom of their inquiries issues.

Here 's the list of the inquires : 1- ( XXXX  report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX2- ( XXXX report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 3- ( XXXX  report ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 4- ( XXXX  report ) XXXX Inquired on XX/XX/XXXX 5- ( XXXX report ) XXXX XXXX Inquired onXX/XX/XXXX 6- ( XXXX report ) XXXX XXXX XXXX Inquired onXX/XX/XXXX 7- ( XXXX  report ) XXXX XXXX XXXX  Inquired onXX/XX/XXXX 8- ( XXXX   report ) XXXX XXXX Inquired on XX/XX/XXXX 9- ( XXXX report ) XXXX XXXX Inquired on XX/XX/XXXX 10- ( XXXX report ) XXXX XXXX Inquired onXX/XX/XXXX11- ( XXXX   report ) XXXX  Inquired on XX/XX/XXXX
I had XXXX or XXXX medical bills that were incorrectly billed and my XXXX payment was not noted on the hospital bills from XX/XX/XXXX they were written off in XX/XX/XXXX. All of them! Now this year I have been contacted by Commonwealth Financial Services by 3 people. I received notice of the bills from XXXX XXXX, then I was contacted by XXXX XXXX. I mailed copies of all the settled bills to XXXX XXXX on XX/XX/XXXX I never heard back from her now, I got a call from XXXX XXXX and again he is trying to collect on the same bills as XXXX and XXXX. I got Commonweath 's account numbers and mailed copies of the settled bills with each reference number on the copy around XXXX A fifth grader could easily match up and report these bills are settled. Yet when I called XXXX XXXX today after I received an letter from him trying to collect for another company he told me to disregard that and to give him 2 or 3 weeks to check on the bills that I copied and put reference numbers on.. Yet my credit report shows these collections from XX/XX/XXXX when they apparently bought my account. They are unorganized and my credit report is affected by these attempts to collect settled debts. I am XXXX years old, XXXX and live on less than {$XXXX} a month I do not drive and have to get a ride to the post office due to the rual area that I live. I can not keep mailing them copies and putting up with their interference in my life.
I have no knowledge of this debt. 
I'm requesting for a full debt validation of this debt or delete the negative report off my credit.
My credit score dropped over one hundred points from XX/XX/XXXX, my score was XXXX. In XX/XX/XXXX my score dropped to XXXX. 
No late payments- no delinquent accounts with only three accounts, dept. to income ratio improved by selling a home.
I submitted the below complaint to the XXXX  with a request for the full amount of the transaction to be credited. In an offensive move, AmEx sent me a letter notifying me they would credit me {$75.00} and then closed the matter with the XXXX 

I am still fighting for the full credit. 

ORIGINAL COMPLAINT : I am an AmEx platinum member and pay a hefty fee each year to use their services. XX/XX/XXXX was my fathers XXXX birthday which we celebrated in XXXX. Late that day our dinner reservation was cancelled by the restaurant. I immediately rang AmEx concierge to see if they could help and I had two options in mind. One restaurant we were not able to get into and the other we made a reservation but later cancelled due to us not being able to make it in time from where we were. I rang concierge back to see if there were other options for our first preference ( wait list etc ) and the rep said she would put me on hold and call the restaurant to see. Whilst on hold the call dropped and I immediately rang back and got such an inexcusable response from the next rep. He basically told me I had already made a reservation and the previous call I had didn't exist. When i refuted him we went back and forth for over 30min and alls i wanted was to see the outcome of the call. After spending appprox two hours on phone with concierge we ran out of time and just had to go to the nearest restaurant for dinner. A complete and utter shame for such a large event as a XXXX birthday. It also meant we had to overspend as we were limited with our options partly due to the cancellation of the original restaurant but also due to the incompetence of the concierge service and then amount of time i had to be on the phone with them for a simple task. I then put in a complaint with AmEx and received an call back from a XXXX, he went to say there was an investigation as there was no record of my call to them and that there were no notes in my file. I again get another call from XXXX to say they have located the call and it came out of another office and so a team leader from there would call me to resolve and see what they can do for me. I then get a voicemail from XXXX saying she'll try again today that day. I did not get another call. Then on XX/XX/XXXX I get an email stating everything I had raised in my complaint was true and they are looking into it further. However please call us if you have any further reservations you would like to book through us. This is unacceptable, for the amount I pay each year and for such a simple task and to get just an email saying sorry but keep using our service is completely ridiculous. Why does it take multiple phone calls to get them to admit they were in the wrong yet no consequences to them and I, as a customer have to resort to last minute decisions based on their actions. The whole asset of concierge they advertise is to help with tasks like restaurant bookings, ordering and so forth. 

Due to the inept behavior by AmEx in this situation, I think its only fair that they issue a credit for the amount of the dinner to my AmEx. The details are as follows : XXXXXXXX XXXX XXXXXXXX XXXX - XXXX, FL {$480.00}
I access my account online and I noticed in my statement a charge of {$4.00} for cash advances. I call the institution to ask why they are charging me {$4.00} charge. They said the charge was for balance transfer from other institution card. I claimed that according to the terms and conditions of the product, there is no transfer fee. In addition, the promotion clearly established there is no charge for balance transfer. Therefore, i understand the charge does not apply. Moreover, I apply for the credit card because there were not supposed to be any charge. The institution insisted the charge apply, because the card has a promo of 4.99 % interest for the first 12 month.
Well I sent money to my husband in XXXX and the person that we use to pick up the money never got to pick it up someone else made a Fraud ID and picked it up the cops were called into the picture. I have documents to show that it was improper of that bank to even accept this like it is.
Wrong address ON FILE- mail going to old address- they still have A security freeze on both my account and wife as it was removed through XXXX XXXX 2017. – waited on phone well over ½ hour I could not get the overseas representative to do anything!  Asked to be transferred to US  waiting and waiting finally hung up.  I asked them to contact XXXX who was supposed t be updating all three agencies- that evidently did not happen- they still have old incorrect missing information on their report!
I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from Convergent which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
I received multiple 0 % interest rate balance transfer offers from Barclay Bank. I did take advantage of one of these offers from Barclay. I transfer a balance from XXXX to a new Barclay Credit Card. I was charged a transfer fee of {$54.00} which I agreed to, in exchange for 0 %. After reviewing my statement which I should of done earlier, I see I have been assessed interest charges. They are as follows : XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XXXX/XXXX/16 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-PURCHASES XXXX XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-PURCHASES XXXX XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-PURCHASES XXXX I have called Barclay and asked that they reverse those charges and honor the 0 % offer. The last person I spoke with was '' XXXX ''. I have a claim # XXXX. Phone # for future communication XXXX. I also explained to XXXX, that I called the phone # on the Barclay 0 % offer letter and spoke with a person who was hard to understand and did not speak good English. But, they assured me the promo would take effect immediately. 
In closing, I asked that all interest charges be reversed and the promo instated.
I purchased my home XX/XX/2010. During the last 9 years I have gone through an ugly divorce, had 2 XXXX, 2 wrecks, my son went to XXXX for 20 years and a number of other issues. When I was 2 months behind Chase stopped accepting payments from me. I have applied for loan modification in excess of 5 times. The results are always I am denied either due to not enough income or on one occasion to much income even though nothing changed. I was denied the right to use my child support of {$380.00} a month as income because there was no divorce decree. I was never married but we got an attorney had a parenting contract and had it notarized and filed. I was also denied the ability to use my XXXX year old daughters income because she hadn't had her job log enough. I co-signed for my son and his wife for a car and provided 3 months of proof they make their own payment but was not allowed to subtract that from my debts even though I pay my own car payment. I owe more on my house now then when I moved in 9 years ago but no one can explain to me how that is possible. I was denied any type of a repayment plan. Foreclosure papers were left on my step when I was out of state but were filed with the court saying they were accepted by someone in my household that doesn't exist and no signature was provided. I filed an appeal on all of these issues but nothing was done. All I want is a fair chance to make my payments and keep my family in a home during the winter months but Chase refuses to work with me at all. My daughter in law who is pregnant recently moved back in with me and I tried to include her income but still denied. Please help a person who is just trying to pay her mortgage and keep her children 's home.
I have paid the entire balance off of this card and will not use it. There is a negative balance of XXXX. I want a paper check in the amount to bring the balance to absolute XXXX.
XXXX   XXXX   XXXX    , I sent all three credit reporting agencies a letter, attached here to for your convenience, along with Certified Mail confirmation. I had requested verification of each account listed on the letter. There are many. Today we will concentrate on  XXXX   XXXX   XXXX . I did contact the company. They are looking for a  XXXX   XXXX , regarding an instrument for a  XXXX . I have NEVER been a  XXXX , nor do I know a  XXXX . The person at  XXXX  asked that I send a copy of my credit report to prove that it was on my credit report and advised that upon receipt they would remove it from my credit report. When I called on  XXXX / XXXX /  XXXX  , to confirm that my fax, attached here to, had been received.  XXXX  assisted me and advised that even though I was NOT the person they were looking for and HAD sent in my credit report  XXXX  could NOT do anything about taking it off of my credit report. I advised that it was a crime to knowingly present fraudulent information to be reported, not to mention for the credit reporting agencies to have NOT proof that it was my debit and still be reporting it. Regardless he said he not  XXXX  would do anything about my credit report.     This complaint is against : Equifax,  XXXX ,  XXXX  and  XXXX   XXXX   XXXX  for KNOWINGLY / CRIMINALY to date reporting FALSE information, information that they have knowledge is INCORRECT, FALSE, UNTRUE.
Experian Experian National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX RE : Social Security Number:XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XX/XX/2017. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing  any potential issues with your company via an online public press release, including documentation of any potential small claims action
Attempt to fraud by ClearSpring/Sortis Financial of 5 payments of {$790.00} each, total {$3900.00} corresponding to the months of XX/XX/XXXX to XX/XX/XXXX. See my Loan History. ___ My new XXXX, XXXX XXXX XXXX, require me to pay them immediately the five behind months plus penalties. Total {$4900.00}. __ I paid these five months with a Bank check ( # XXXX XXXX ) to ClearSpring Loan Services. That was include two months more, XX/XX/XXXX and XX/XX/XXXX In total were 7 months X {$790.00} each, Total {$5500.00}. __ The Company that is attempting to fraud me is ClearSpring Loan Services Inc. / Sortis Financial. __ XXXX XXXX XXXX that is my new Servicer is involved in my problem. This company gave me a new account # XXXX.
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAP ONE AUTO with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX, XXXX - XXXX, XXXX - XX/XX/XXXX / XXXX, XXXX - XX/XX/XXXX.
I called Equifax today XXXX/XXXX/15 and got XXXX XXXX from the office of consumer affairs. I called to explain how I was n't able to view my credit report. As I was trying to explain my issues I was rudely cut off and talked to in a very condescending manner from XXXX XXXX. I asked her why I ca n't view my report. I was given zero explantation and continued to be talked to rudely. At this point I asked for a manager and was denied the right to speak to a manager and hung up on.
Recently issued a dispute on XX/XX/2018 about multiple charges stemming from XXXX with my Discover credit card. 

These charges were fraudulent and I did not authorize them or dealt with this company at all. 

The charges totaled more than {$37000.00}. 

I received disputes favoring me in total of {$7000.00} and was on the hook for the rest of the disputes over {$30000.00} even though they told me that after the investigation XXXX failed to communicate with them and provide Discover with any evidence or transactions. 

I received no written communication of the reason why I did not win all the disputes or any written communication with Discover at all through the whole process. 

After receiving multiple emails on XX/XX/2018 about most of my cases being valid ( even though they got no communication with XXXX  ) so they basically decided the charges were valid with no evidence to back this up. 

I then communicated with Discover chat about this issue and they claimed that I had dealt business prior with XXXX XXXX  which is completely false I had no idea what XXXX XXXX even was. 

They just then referred my cases to the actual fraud department instead of billing disputes ( the department I should have been referred to for my issue in the first place ). 

I will post an update after their investigation is complete about how the fraud department chooses to handle my case.
Wells Fargo has charged me more than {$2000.00} in return fees and bank charges since XXXX 2016 due to " holding '' certain deposits for a certain number of days because they were from out of town banks. The issue I had with it was the amount of days they held the checks differed each time and also the amount they held out of each check differed. XXXX checks from the same bank for the same amounts had holds placed on them for different lengths of time and the funds released from each checks were different. XXXX of the checks had funds released in increments over 2-3 days. The other check was held for several days with no funds being released until the hold was released on the entire amount. After being charged fees for the XXXX held checks it became almost impossible to regain control of my checking account. I was only making deposits to cover the fees they continued to pile on. At this time the account is overdrawn and I do not have the money to cover the negative balance of almost {$1000.00}.
I am currently having an issue with Bank of America regarding a modification that was processed without my permission or signature. I have contacted them but I am not receiving any assistance and they have not returned my call. I was at time of origination the primary borrower. The home was awarded to my spouse via divorce decree and I was told upon signing a release deed that was prepared the loan would be modified and my name removed. I was not provided a copy of the modification for review or signature. Upon. A recent credit check I am now aware m name is still on the mortgage and I have been told my the account rep from Bank of America that their policy does not require all responsible parties to sign the modification. My understanding is that any change in original repayment terms require all responsible parties to sign and acknowledge. Can you help me?
Paid/satisfied judgment was investigated and deleted about XXXX years ago but reinserted XXXX months ago. Several attempts have been made to correct situation. I was told by Equifax that I needed an attorney to be given proof of previous investigation records that reflect claim. I have spoken with several employees of company that informed me they were all supervisors and there in no higher point of escalation. 

There have been trade lines deleted from my credit report with perfect payment history which has subsequently lowered my credit score. XXXX has opened their own investigation to determine why this has occurred. 

My XX/XX/XXXX XXXX XXXX XXXX care loan with excellent payment history has been marked " not reported '' for duration of loan. The loan has perfect payment history and was paid in full. This is affecting my credit score. 

I have paid off XXXX car loans with XXXX credit union since XXXX and the report only reflects XXXX car loan. 

All of my student loans have been marked as payments " not reported '' for the entire XXXX month history after speaking with XXXX XXXX approximately XXXX weeks ago. I spoke with XXXX XXXX XXXX days ago and was informed that the items would be investigated but they are not reflecting investigation status on my report and I have been blocked from online disputing. 

Many of my revolving accounts are reflecting inaccurate payment history. The payment history was deleted and marked as " no history available '' XXXX hours after speaking with XXXX XXXX. 

It would appear that I am disputing inaccuracies with this credit bureau every other week and my credit score fluctuates XXXX-XXXX points from week to week and has rendered my creditors unable to make lending decisions. I am constantly disputing old information that should not be reflected on my credit report. Each time I am told to open a new dispute and wait an additional XXXX days.
A credit card was open under my name as a result of a identity theft with exxon mobile. Reported the account as fraudulent, but they are still reporting me as responsible for it.
I had a leased car which I returned early because my student loan payments are suffocating me. I was never told that returning my car would result in a {$3200.00} bill when I only had {$1200.00} left on my lease. Hyundai was negligent and deceptive by not informing me of what the consequences would be if I returned my car. Additionally, Hyundai started reporting a delinquency on my credit report. I am not delinquent. I have always paid. I paid until I returned the car and when they sent me the {$3200.00} bill last month, I have since made a payment on that as well. They need to remove their tradeline from my credit report. I did not have one derogatory mark on my credit bureau until this incidence.