WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, On XX/XX/XXXX I submitted a request to XXXX to have negative reporting accounts removed from my credit report but the items were not removed. This would not be my first dispute, but the accounts remain on report damaging my score and not allowing me to obtain credit or loans. 

1 ) Bankruptcy 2 ) XXXX XXXX XXXX/XXXX  {$4000.00} COLLECTION LAST REPORTED XX/XX/XXXX 3 ) XXXX XXXX XXXX 60 DAY LATE XX/XX/XXXX 4 ) XXXX XXXX/XXXX  {$880.00} COLLECTION LAST REPORTED XX/XX/XXXX 5 ) XXXX  120 DAY LATES XX/XX/XXXX 6 ) XXXX XXXX {$2600.00} CHARGE OFF LAST REPORTED XX/XX/XXXX 7 ) XXXX XXXX {$770.00} PAST DUE 120 DAYS LATE LAST REPORTED XX/XX/XXXX** 9 ) XXXX XXXX {$120.00} PAST DUE** 9 ) XXXX XXXX   {$560.00} PAST DUE** 10 ) {$240.00} XX/XX/XXXX ( 2 mos ) XXXX XXXX Current Payment Status 11 ) XXXX XXXX XXXX 30-59 Days Late
Ally Auto Loan company kept charging me late fees on a payment that was made on XXXX XXXX, 2015. I contacted them around 7 times and contacted the bank so they can provide a proof of missing payment. They kept saying they did not receive payment nor documentation. Then they said the fax number given to me was incorrect. I previously mailed the proof but they claimed that they did not receive that either. Last phone call they gave me a new fax number which did not even match to the previous faxed number they gave me. Also, They continued to charge fees on a payment which was paid my end and cleared by the bank. I have all the documentations necessary about my payments on my online account with the images of the checks written. However they claimed that they have no documentation from me or the bank.
I have been working with Ocwen to get a loan modification was recently denied because they stated that they do not allow loan modifications while in active bankruptcy. I informed Ocwen that I was no longer in an active bankruptcy and the bankruptcy was discharged. I supplied them with all the documents and they still continued to deny me for the same reason. Now, they have decided to place a sale date on my account set for XX/XX/17. I dont want to lose my home and would like to continue working to get through a loan modification. I definitely do not want to lose my home. Please help.
This debt was paid with XXXX assistance and went to collection hospital says I do n't owe it I faxed proof to company all ready and still will not put it as paid company will not accept my proof bills are from XX/XX/XXXX though XX/XX/XXXX the person I talked to was unwilling to try to help and said I owed it no matter what but I have never received no bills to this matter just found on my credit report ...
In XX/XX/XXXX I went to a car dealership that I'm loyal customer with and have bought several vehicles over the years. This time I had a considerable amount of negative equity on the vehicle that I wanted to tread in, and I don't thought was possible to buy a new car without covering the balance. The salesman tell me that I had the option to leave my vehicle at the dealership and that will get repossessed by the bank. He said that the only give this option to loyal customers, and the negative equity would get write off. By doing this way I would start a new loan, without the negative equity amount. I was hesitant to agree at first, but they ensure me that everything was going to be fine. He said that will affect my credit score. What they don't tell me it is that now the bank still require that I pay the remaining amount of the loan that was suppose get write off. In XX/XX/XXXX the bank send me a letter requiring payment of the deficiency balance. In XX/XX/XXXX they sent me a letter from a collection agency. Now I'm risking a judgment and bankruptcy. Since I live paycheck to paycheck, I don't see how I will be able to pay. 
I was mislead by a deceptive practice into the purchase of a new vehicle!
I did not see the correct category so I choose this one.. I applied for a loan modification in 2012 with Ocwen Loan Servicing LLC . after many attempts of filling out countless packages of there loan applications and going through a different agent time and time again because it seems they have a high turn over of employees I have been turned down time and time again without getting an answer as of why it has been 4 years now and they finally decided to just stop helping me and shift my loan over to a company called XXXX. No cover letter no explanation of why .... Is it because of my XXXX Last Name could it be a XXXX thing with them????? I believe I have been scammed by this organization and I would like you to look into it? I am XXXX years old, I work in the movie industry I know these companies have worked with many of us who have faced work going to other states that has affected us all financially. they would not help me my husband became XXXX for one year and I explained to them I was the sole supporter they would not help me ... I want to file a complaint. I think they are a prejudice company and I want an explanation and I would like to see them audited I believe they scammed me for 4 years and now they just dumped me over to another loan company I know nothing about and I have to do all at the paper work over again!!!! Are you kidding me???? Please help me!!! during this time you see my house has gone up in value I believe that they know this and waited and waited and stalled around so they could take my house from me. There very smart ... .. and want to scam the consumer ... .. Thank you for your help! I have also sent altered XXXX XXXX minutes ... XXXX XXXX and President Obama who knows if they will ever see it but I will not stop until these guys are dealt with if I had the money I would sue them personally.. But I know there cooperate attorneys are scam artists also.
Wells Fargo Bank is refusing to distribute money from my late Mother 's checking accounts to my brother and myself as the legal executors and heirs to her estate. My mother died on XX/XX/XXXX in XXXX XXXX. The XXXX XXXX tax waiver for the inheritance tax was issued on XX/XX/XXXX. The balance of my Mother 's estate ( both real property and funds in Wells Fargo brokerage and IRA accounts ) have already been distributed. There are three checking accounts in my Mother 's name that I exercised power of attorney over to pay her bills. I approached my local branch Wells with the will, letters testamentary, trust and death  certificate ( Wells has had the death certificate and POA on file since XX/XX/XXXX- I 've given them five copies ) to request the remaining money in the account be distributed to my brother and my accounts and to close my late Mother 's accounts. Wells refused to do this based on their legal interpretation of the letters testamentary despite the fact that they have already distributed the bulk of the estate that was held in other Wells accounts. I was told by a Wells banker that : 1. my brother and I need to be in the same Wells branch at the same time to do this ( note : my brother lives in the XXXX and XXXX. ; I live in XXXX ), or b. the letters testamentary need to be resubmitted ( My brother and I would need to fly back to XXXX for this and incur added legal fees ) or c. Wait until my brother returns from the XXXX to XXXX in XX/XX/XXXX, fill out more forms, and be in different branches at the same time. Wells has refused to make their legal department available to me or my attorney and will not provide any letter or documentation regarding their arbitrary decision. The branch manager and the Wells dispute resolution team told me, " It 's a legal matter- it is out of our hands. '' Despite being a Wells Fargo customer for 37 years and ( along with my brother ) having multiple Wells accounts, we have had access to our money cut off by Wells Fargo Bank without any appeal or formal notification.
I am utterly discussed on how my account is being handled - we have an auto loan and recently had a collision. My insurance who I pay issued the repair check in the name of my husband and Santander. I called and spoke with XXXX who told me where to mail the check and to include either the estimate or the letter from the insurance company that the check was issued based off an estimate and they would endorse the check and mail it back to us. I called to check on the status of the check and was told they did not receive it yet but they would not be returning the check either. I was told that is not their policy. I was told they will hold the insurance check until damages are repaired and then they will release the check to the Body shop and we will have to go there to sign it. Upset with this the next day we called our insurance company to find out that the insurance check was cashed! It was a double endorsement check and it was NOT signed by my husband. The monies were applied to the principal balance on the loan!!! When I called and spoke with XXXX she then states that is their policy and they will pay the body shop when damages are repaired and it will not be the same check from the insurance company. Any overages I was told I would have to pay and if the charges were less they keep the money on our balance ... .. I was told several times that Santander owns the vehicle and that 's their policy. Well Santander you do n't pay my car payment every month nor do u pay my car insurance. This is fraudulent in cashing a check that was not endorsed properly. I have contacted several body shops and they will not repair my vehicle in the situation. I am stuck with a damages car.
We have had a checking account with BB & T for the last 22 years, and we are seriously considering moving our accounts to another financial institution that will hopefully not employ the same bait and switch techniques. We value long standing relationships, and it is the only thing that has prevented us from moving our account thus far but our frustration with these practices are pushing us to consider switching our accounts to a new financial institution. 
It seems that since the new financial protections were put in place for consumers that restricts financial institutions from collecting or racking up arbitrary fees, that our bank has instituted a new way to collect these fees and revenue they have lost that are equally arbitrary and at a minimum are performed in a cloak and dagger fashion. 
When we notice through online banking that our checking acct is running low on funds to cover checks or payments that we know we initiated but that do not yet appear to have been submitted to our account, we drive immediately to our local BB & T branch with cash in hand to deposit into our account. When we arrive, we always first inquire with the bank rep and verify that there are no " returned payments '' noted on our account. We then immediately deposit the cash that would then cover those payments. We then would notice repeatedly that when the bank performed their reconciliation processes after midnight of that same day that they would then first report a payment from a company was submitted and returned that same day and that they returned the payment to the submitter and charged a {$35.00} fee to our account and they would then go on to reflect on the next reconciliation line that they received the cash deposit made earlier that day " after the returned payment ''. I have spoken to bank reps repeatedly re this discrepancy between what we are told by their bank rep that no payments had been submitted and returned at the point of us making that cash deposit and then their coming back to us after their after midnight reconciliation process that indeed a payment had been submitted and returned that day and that they then state to me that it was submitted and returned " before '' we made the cash deposit and that the {$35.00} fee was deducted from our checking acct. This unfortunately has happened too many times for it to be a one off innocent error, and appears to instead be a new bait and switch technique for financial institutes to continue to recoup the arbitrary fees they had been supposedly prevented from recouping through the new consumer protections put in place. Very few times the bank rep was kind enough to deposit back the fee because many times it was the same rep I had originally spoken to when I was depositing the cash to cover the payments that I then spoke to later when I noticed this bait and switch technique and that the outcome did not comport with what she had advised me initially. But there are numerous fees that had not been credited back to our account under the same scenario, and this new bait and switch technique appears to be a new way of doing business for our bank.
XXXX XXXX took over my XXXX dollar credit card account from XXXX XXXX XXXX I missed a payment and they started threatening me and harrassing me by countless phone calls and mailings. they even threatened with a law suit. and now its doublled to well over XXXX dollars. I have contacted them telling them my health is declining rapidly and I am on both XXXX and XXXX. I have even sent them doctors statement as well as copies of my income My neck and spine is degenerating and narrowing and i have allready had 1 XXXX   XXXX on it. There is nothing more they can do and I will eventually wind up in a wheel chir. Neither of wich matter to them. They keep increasing the debt owed even though I told them there is no was to pay them back.. They told me communications would cease but yet they increase the amount owed?? My credit is not the greatest XXXX XXXX and XXXX XXXX XXXX and its due in part to this credit account. Any information you may need you can email me at XXXX my private email address. 
Thank you both for your time and attention to this matter. 
XXXX XXXX
In or about XXXX XXXX, I was XXXX program which XXXX. The boat that I was riding on for this XXXX race crashed and I suffered XXXX, which left me unable to work. I was able to obtain a reverse mortgage with XXXX at the time. I was responsible to keep up with the property taxes. I fell behind on my taxes with XXXX and they were gracious enough to allow me to pay {$210.00} per month until the {$7600.00} was paid off. After making two payments to XXXX, the loan was transferred to RMS. RMS refuses to acknowledge the payment arrangement I had with XXXX and is now threatening to foreclose on me. Two weeks ago when I called, I was informed that to avoid foreclosure, I would have to pay a lump sum of {$7600.00}. I sent RMS a chashiers check and they refused to cash it. They are claiming that they paid over a XXXX on XXXX XXXX, XXXX for my property taxes. However, I had paid the property taxes on XXXX XXXX, XXXX. I borrowed the money to pay off the balance DESPITE the fact that I was on a re-payment plan with XXXX and RMS refuses to acknowledge. Now, RMS mistakenly paid property tax which I already paid and they are refusing to stop the foreclosure process even though I jsut XXXX them a LUMP sum of {$7300.00}. Not only is RMS acting unreasonably but they are violating the agreement I reached with XXXX. Now they are going back on the amount stated to me that needed to get me out f foreclosure, I am XXXX I am over XXXX years old,, I am current with my property taxes and I just gave RMS a check for {$7300.00}. They made the mistake of paying a property tax in addition to what I paid. I am on a fixed income and I can not give them the extra {$1000.00}. Please tell them not to treat old and XXXX people in this manner. They could easily have worked with me so as to avoid foreclosure they have a lump sum of money and they want to throw this old and XXXX man on the streets when I have complied with every demand. Please help me XXXX bless you.
I had an account with XXXX XXXX. My last payment on the account was made in XXXX 2008. I did not make any further payments. The account was re-aged to show that my last payment in XXXX 2008 so that it would remain on my credit for an additional period of time. This item needs to be removed from my credit report, under the FCRA XXXX XXXX was only able to report this negative information for seven years after the account was considered delinquent.
CHEX SYSTEMS, XXXX, XXXX ETC.. ARE SHARING NEGATIVE INFO AND PULLING EXCESSIVE INQUIRIES.
PNC bank changed the terms on my bank account a second time without notifying me. The first change would prevent me from ever having a transaction in the bank with a human being without being charged a fee. I learned about this issue after finding a unknown charge on my account. The ATM was broken and I had to deposit money using a human at the drive through. They later waived the fee because their machine was broken. It was the 1st time I was made aware of the change. I have had the account for over 7 years. There were not the rules that I signed up for the account, The most recent issue was I got charged another fee because the rules changed again and now you needed direct deposit or a minimum balance or a fee was charged your account, I have a couple direct deposits on the account but they were not large enough for the bank. A bank should not be able to offer a bank account and once you have it for a couple years just change the rules without you approving of the changes. Anytime they need more revenue they look at their client 's account and see how can me steal more money from their accounts via fees. They get to use our money to lend to clients and they still charge us a fee for leaving money at their bank. The fees are excessive for doing nothing but depositing money.
Hi my name is XXXX XXXX I had a Capital One credit card that I had paid in full and had a XXXX balance for months. I moved from my apartment back into my house and never recieved a credit statement from capital one. I sent in a change of address to Capital One I never recieved a annual fee bill that was for XXXX dollars. Because the bill wqs unbeknown to me I didnt pay it.. Capital One reported me to the credit company as a 90 day delinquit for XXXX dollars whn my bill wqs paid in full.. my credit score dropped XXXX points, I paid off the bill and closed the account.. I need help getting this off my credit report as my score is suffering. I pay all of my bills on time every month. Please help
There are several hard inquiries on my report that I did not authorize and customer service will not remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Barclays Bank Delaware XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX
seller is deceased and heirs put property up for sale. The property is encumbered with  XXXX  mortgages and the  XXXX  is being paid in full. The  XXXX  approved a short sale on the property and when we requested the payoff on the  XXXX  we were unable to get the figures from the lender. The lender is foreclosing on the property  XXXX  and we have an offer that can close later in the week with a full payoff including all attorneys fees. We are trying to get a postponement on the foreclosure so we can settle the new buyer and payoff the entire balance. I contacted the law firm conducting the sale and they claimed that they have notified the servicer but that they are not obligated to even acknowledge the request.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX is reporting to XXXX and Experian a 60 day late in XXXX XXXX. <P/>The account was NEVER late. The account was in forbearance mode, and then refinanced and closed. <P/>I contacted XXXX XXXX/XXXX/XXXX. Transition updated their information, but XXXX and Experian continue to read a 60 day late in XXXX XXXX. <P/>XXXX/XXXX/XXXX I contacted XXXX and Experian. They told me to contact XXXX. XXXX/XXXX/XXXX I contacted XXXX whom told me the information was updated and sent to the credit reporting agencies. XXXX told me to contact the credit reporting agencies.
I had a debt that as that has turned into a time-barred debt. The collector XXXX XXXX  XXXX I believe has broken the law and has garnisheed my wages on a debt 10 years old.
On Thursday, XX/XX/2018, I accessed TransUnion to get my free annual credit report. I was lead to a page where I had to enter my debit card information to access my score. The page did not have any information whatsoever about anything I would be charged, and I trusted that the company needed my card information since they're a credit reporting agency and occupy a position of trust. I entered my information and was presented with my credit score on the next page along with information telling me I had been charged {$19.00} and had ( unbeknownst to me ) opted into a credit monitoring service with a monthly fee of {$19.00}. 

Upset that I was charged for something I was given no information about ( so I could make an informed consumer decision with all the relevant facts and service information ), I searched for the unenroll page on the TransUnion site. I spent a very long time trying to find where I could unenroll from the service I wasn't even told I was signing up for. I finally found the unenroll option buried in a far corner of the site. The dropdown menu for reasons for un-enrollment asked if I signed up without knowing what I signed up for. This clearly means TransUnion knows they're profiting off of consumers by concealing charges and the purpose for those charges related to the free annual credit score consumers are entitled to.

I hope you can investigate this issue. I can not imagine I am the only person who has experienced this, and I'm quite disappointed that a credit reporting agency -- a company that has immense consumer trust -- is operating in a way that takes advantage of that trust.
1 ) Applied for a Capital One credit card online. 
2 ) Received a notice by mail requesting that I call them with additional information. 
3 ) Called them with additional information and was told a card account had been approved. 
4 ) Received Card. 
5 ) Attempted to enroll card online so I could see statements, etc. Blocked from doing so. Advised to call them again. 
6 ) Called them again. Forwarded to a " Fraud Supervisor '. Asked many intrusive questions. Wasted nearly half an hour. Advised that card had been successfully activated. 
7 ) Received two letters stating that they thought account was opened fraudulently. Ignored letters because I believed the matter had been resolved during the excessively long phone call. 
8 ) Used card several times. 
9 ) Card stopped working. 
10 ) Today, XXXX, became concerned that first payment may be due, but have not received a statement yet. Attempted to enroll card online again to see statement. BLOCKED. Advised to call. 
11 ) Called. " Fraud Supervisor '' wasted about 8 minutes of my time jerking me around. I advised her that I would cancel the account if the problem was not resolved in the next couple minutes. She asked for my cell #, which I absolutely will not provide to an entity that shares/sells my personal information, as they do. 
12 ) Became frustrated and cancelled my card. 
I HAVE NOT RECEIVED A STATEMENT and I am concerned that this account will become delinquent because of Capital One 's actions.