WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I realized I was XXXX. I applied for XXXX, and then I applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I was needing help. I was successful in receiving XXXX XXXX XXXX, but, was not successful with XXXX 's XXXX XXXX. XXXX started to make negative postings on my credit. Missed payments of late payments. I was able to catch up with payments with XXXX, but in XXXX XXXX, when I made my last payment to XXXX card service, that was never posted on my credit report. It started to show that I was late with XXXX payment by XXXX then XXXX days. Then, XXXX sent me a letter offering to let me reapply for XXXX XXXX XXXX, I did, and sent a copy of my XXXX award letter, along with proof I had been working at that time, and a Doctor 's signature and DX. Then, I got a letter saying that I was approved for XXXX XXXX XXXX, for XXXX forward and not XXXX forward, ( date XXXX found me XXXX ). Ok, great. I got a check for " fees '' for {$910.00} from XXXX XXXX XXXX, but, no changes on my credit report. Next, XXXX sends me email saying I was not responding to an earlier email, ( which I did not receive ) but because XXXX had closed my credit card in XXXX, I could not access the system. I called XXXX, and a woman said she could fix the credit reporting, but, pushed me to accept ro-bo callings. My credit has still not been fixed. 
I am trying to buy a house and lower my monthly expenses, but XXXX 's years of bad credit reporting has my credit score in the XXXX 's. How can I fix that?
American Express website did not allow for me to login to make my payment resulting in a 30 day late. American Express also had wrong personal information as far as contracting me to make notice of past due bill.
XXXX XXXX XXXX is trying to pull a fast one on me. They are well aware that we are under a " Federal Bankruptcy Order '', and they keep attempting to make us pay. We moved from the Home at XXXX XXXX XXXX, XXXX, GA XXXX, in XXXX 2017, and notified Beneficial. They initial agreed to do " A Deed In-Lieu of Foreclosure '', with us, and Ordered an Appraisal, which the value of the home was more than what was owed on the home, as it was at the time of the Appraisal in Excellent shape, I took pictures as well as the Appraiser that Beneficial sent out to do the Appraisal, and they are time dated. 
Beneficial lied about a " Lien '' being on the Home, which was Avoided/Dismissed in the Federal Bankruptcy Order, signed by Judge XXXX. I had the attorney ( XXXX XXXX ) that handled the Bankruptcy Proceedings sent a copy of the Bankruptcy Order to Beneficial, after Beneficial refused to accept my Copy. Then Beneficial sent the Mortgage to a Collections Agency, and now they ( Beneficial ) has given/transferred the Mortgage to XXXX XXXX XXXX XXXX XXXX, out of XXXX XXXX XXXX, Utah. I called XXXX XXXX and XXXX XXXX XXXX ( Fax : XXXX XXXX ), said that he was not aware of the Bankruptcy Stay Order. Beneficial is just plain wrong. It needs to be fixed. They doing this to me cause I am XXXX and a Donald Trump Supporter
I have had a Bank of America Master Card for many years. The payment hasbeen set up on Auto Pay from my XXXX XXXX checking account since thebeginning and there has never been a problem making the payment. 
I noticed this month while going thru lots of mail that the account was past due. 
I contacted B of A on XXXX XXXX, at approx. XXXX ; XXXX XXXX to inquire why it was delinquentwhen I was set up on auto pay? I did make the entire payment in full. Therepresentative could n't explain why the auto pay was discontinued, but offered towaive the late fee. I asked for a letter to explain the account was current. 
She then forwarded me to someone to discuss why the auto pay was disconnected. 
XXXX transfers and an hour and XXXX later, someone named XXXX in the auto payIT area told me that several customers were affected because of a software updateglitch that turned off the auto pays. Not only did B of A know this back in XXXX. 
XX/XX/2015 and reversed the late fees automatically, they never contacted the consumersNow I believe I will have XXXX late payments on the perfect credit report. Icontinually asked for a department that could erase the late pays and was transfer-red over and over to card services to re-explain the situation. I was eventually sentto an automated credit services area, not a real person and no one to address myconcerns. 
I am in the process of buying a home and fear this will damage my credit and ability toto qualify. 
I am also very concerned about all the others who were affected and not notified. 
I have been treated very badly by B of A. Any by the way, they cancelled anotheraccount that had no activity, but blamed it on late payments to my credit report. 
Any assistance that can be provided would be very much appreciated.
I accidentally chose my bank of america account to pay my credit card bill this month. I almost never use that account and there was n't enough money to cover it. Ideally, they would have rejected the payment, which they did a few years ago when I made this same error for a larger payment. 
This time, they paid it and charged me XXXX. I immediately transferred funds over to cover the difference and forgot about it for a week. I came back to look the other day but now I 'm still overdrawn because they allowed a {$1.00} recurring payment to go through and charged another XXXX and then another XXXX. So now my stupid mistake of selecting the wrong account on a mobile drop-down has cost me XXXX and is probably still being racked up because it takes 2-3 business days to get the money through ACH. 
This is a fat-finger nightmare that is indicative of why Bank of America is America 's most hated financial institution. I am lucky in that this financial hardship wo n't break me, but I know many people for whom this debacle would cause an irreparable financial tailspin. 
I do not believe that I have ever opted into an overdraft services. I do not want BOA covering payments for me BECAUSE they charge exorbitant, predatory fees for doing so.
Berks Collections have a amount of {$320.00} that supposed I owe and that is a false statement this account was settled for {$210.00} wich was pay off on XXXX XXXX of 2016.They still didnt remove of my report.
I have contacted Equifax  several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : ( XXXX XXXX ) # XXXX account number. I also want the following unauthorized inquiries from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX removed. I have even sent copies from XXXX & XXXX showing that they deleted items that Equifax   keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.
I spoke with debt collector-debt recovery solutions. I made a payment arrangement with this company and I agreed with this company to pay the amount of {$200.00} and that he promise me that when I pay this amount to this company. he said that he will close the account and update everything to the credit companies that never happened. then I spoke to this lady XXXX XXXX that is also employed with debt recovery solutions and I told her about the payment arrangement that I made with the guy that I spoke with. and she tried to tack on another {$35.00} and I told her that guy told me to pay that {$200.00} dollars and he would close the account has been paid in full and that he would up date everything with the credit companies showing that account has been paid .that never happened. on that cash cow account in which I paid the last payment of {$50.00} on the XXXX in which they did not send me a receipt that it was paid in full. and I am aware of the scare tactics they use to make the consumers afraid of them that they would take their car etc.. if they don't pay. and when it comes down to the elderly people and the older people they are afraid that if they don't do what these debt collectors say they would take what they have worked for all of their lives. because of the fear that they these debt collectors has put into their heart. it is not only me that they are doing this to. it is every one.
On my XXXX Credit Report, XXXX Credit Report and My Transunion credit reports My XXXX Credit Card and My XXXX XXXX XXXX Card accounts are not showing as reporting on my reports. Thus causing my XXXX XXXX to be lower than they should actually be. Hendering me from obtaining credit.
I paid off my account in full on XXXX/XXXX/XXXX and Ally Financial sent me the title to my vehicle 5 days later. On XXXX/XXXX/XXXX I received an alert from my credit monitoring agency that Ally has reported they are in the process of repossessing my vehicle. I called Ally and they confirm the vehicle is paid in full and there report was sent to the credit bureau in error. While on the phone with the rep. he says he submitted a dispute with the XXXX credit reporting agencies. Dispute confirmation # XXXX and that it will be resolved and I should get a response within 7 business days. 
On XXXX/XXXX/XXXX - Check checked my credit monitoring profile and discovered that Ally Financial reported on XXXX/XXXX/XXXX to XXXX ( and perhaps the other agency ) that they repossessed my vehicle on XXXX/XXXX/XXXX. 

I called filed a complaint against the credit bureau with CFPB straightaway as I could not get anyone their to discuss this issue with. 

Immediately after, I called Ally Financial and explained the situation to the american rep. She checked my file and discovered the dispute # XXXX filed with the credit bureau ( s ) last week by their rep. was filed incorrectly as they did not received a confirmation. She offered to resubmit it today. I requested to speak with a manager as it is quite clear to me at this point that the employees at Ally Financial are incompetent. I was told a mgr. is not available and that one will call me back within 24 hours. First they send erroneous information to the credit bureau, then they were not efficient in disputing the information with the credit bureau. I will contact my local T.V. station ( XXXX ) and my local newspaper and notify them of this issue including the fact that I have submitted a complaint with you the CFPB on XXXX/XXXX/XXXX at XXXX XXXX pacific time.
A XXXX XXXX was repossessed by Regional Acceptance Corporation on XX/XX/2017 & I called Regional to see where the vehicle was towed to so I could recover my personal property & tag from the vehicle asap & they claimed they did n't know where it was & I know that 's a lie.
Equifax is providing me unequal / disparate treatment as it relates to unfreezing my credit file. Their online portal does n't allow me to unfreeze my file so I have to call in. When I call, they taunt me and say that since I did n't do it online I 'd be punished with a five day waiting period. This prevents me from running any credit applications for an extended period of time. They have no technical support department to contact to resolve the issue. Therefore I 'm unable to unfreeze my credit report in a timely manner and the company is clearly unwilling to support this simple issue.
I got on the quicken loans website and started an online chat with one of their live representatives. I told the guy that I was only seeing what I needed for the future and did not want to apply at this time. He took my information and said he was not going to run my credit yet until I was ready at a later date. I later found that they did run my credit against my will and they refuse to remove the credit inquiry from my credit report that I never asked them to run. I sent them 2 different letters asking them to remove the inquiry as I did not authorize it and they refused saying that I needed to file a police report if my identity has been stolen. I never said my identity was stolen I said their representative ran my credit against my will even though he promised to wait until I was ready. This company has treated me extremely unfairly and now I will NEVER EVER do business with them.
I took a mortgage on an investment home I own in XXXX XXXX, FL    from a local bank in Colorado  called Simmons Bank ( XX/XX/2018 ). Simmons Bank agreed verbally and in writing ( by email ) to issue the mortgage loan without hurricane insurance and has acknowledged this several times also by email ( see attachment ). 

However, Simmons subsequently ( within months ) sold the loan to XXXX. It appears in retrospect that Simmons was concurrently planning to sell the loan while originating it ( without disclosing this fact ). The mortgage broker was aware that an important reason for working with Simmons was my understanding that they would hold the loan in house ( as they had for my principal residence in CO  ). 

XXXX is now demanding that I pay for hurricane insurance, which is approximately {$20000.00} per year. Without hurricane insurance, pursuant to the closing disclosures provided by Simmons, the estimated taxes and insurance were listed as {$1400.00}. Therefore, hurricane insurance would more than double my total tax and insurance liability. The mortgage has a 30 year term, so the damages are substantial. It is also very important to note that I would not have qualified for the loan if the requirement for hurricane insurance had been included in the loan terms from the start. See attached email where the mortgage broker calculates I have a DTI of 44 % WITHOUT hurricane insurance. If this is not resolved, I will have to sell the property, which would be a significant loss for me.
I filed chapter XXXX bankrupty and it was discharged XX/XX/XXXX, yet many of the debts that were discharged have reappeared and are lowering my credit score. In addition to this in XX/XX/XXXX I purchased a vehicle from XXXX XXXX and although my loan was pre-approved for the total purchase amount and had already been given by XXXX, the credit manager still sent several credit inquiries on my account up to XXXX more creditors including another to XXXX who had already given the loan again causing a lowering of my credit score.
I have three direct deposit that go into my checking account each month. I set all my bills to be paid base on those three deposit dated. I choose specific and exact dates for my bills to be paid each month. Regions Bank allows merchants to make a transaction prior to the date of my direct deposits know that funds are not yet available and it is not the date chosen by me the customer. Therefore, the account becomes overdrawn and Regions bank take {$36.00} for each transaction over drawn. I have given them lots of over draft fees. I recently set three payments for XXXX XXXX accounts with three separate payment amounts for XXXX XXXX, XXXX. I had chosen different amounts but cancel them on XXXX XXXX and XXXX. Regions bank fail to take this out of there system and deducted the cancel amounts of XXXX XXXX and XXXX along with the specific dates and amounts I wanted on XXXX XXXX, XXXX. Now they are showing my account as being {$270.00} and more overdrawn with their OD ( overdraft fees ) and will not fix their errors, nor respond to over five different compose emails of inquiries by me about this matter since XXXX, and today is XXXX.
I have contacted both the credit bureaus and Barclays on several different occasions to get my account properly listed as paid and closed. When I call Barclays they give me the run around and forward me to  XXXX   XXXX . When I speak to  XXXX   XXXX , they state they transferred the account back to Barclays and they simply need to report the account as paid and closed. I 'm having difficulty getting it corrected. It has now been 30 days so I need it deleted in compliance with ten FCRA.
XX/XX/XXXX, I placed two online orders. # XXXX # XXXX. Delivery notification provided XX/XX/XXXX however when I returned home that evening nothing was deposited at my front door. Immediately I reached out to Customer Care who apologized and said the delivery would be investigated and a replacement order would be forthcoming. XX/XX/XXXX, I received an email that my replacement would arrive in 2-3 days. When the replacement order arrived, I was surprised to find it incorrect. Once again, I contacted Customer Care who advised me to return the order in full to a Bloomingdale 's location near me. 
The very next day I took the merchandise to Bloomingdales XXXX XXXX, CA store. XXXX XXXX, Handbag Manager assisted me with my return. I was advised to leave the merchandise with her and the return would be processed however as merchandise is not from her store she would not be able to provide me with a receipt for my returns. I asked XXXX XXXX if the merchandise would be credited before my payment would be due and I was assured it would be no problem at all. 
My current bill is past due with late fees charged after I spent over an hour on the telephone XX/XX/XXXX with XXXX, supervisor on duty explaining the horrific situation. Not to mention my surprise when it appeared my replacement order was never returned! Since I have received notice the merchandise has been returned however I'm still being billed with interest charges. 
The past 3 weeks or so Ive had repeated phone calls from Bloomingdale 's Credit Department even though I sent a hard copy letter with documents to them on XX/XX/XXXX. 
I have found that Bloomingdale 's has zero accountability for mistakes made within their company. 
Further to their incompetence, I received a letter stating my credit limit was being reduced due to lack of payment. Absolutely incorrect once again.
XXXX, illicit and illegal direct deposit of monies. 
XXXX XXXX XXXX Ohio XXXX ( XXXX XXXX Illinois XXXX )
Ditech has failed to address my prior three complaints. The response Ditech gives does not align with the action Ditech has taken. Ditech claims to have taken action and has not fulfilled what they stated they will do. Pictures are attached. 

I am seeking restitution of all late fees due to Ditechs failure to properly and legally apply payments ( instead, they have and continue being held as unapplied funds and are not applied to my loan ). Also, no notice was received regarding change to my payment amount. Ditech claims to have sent this, and it was never received. In previous message, company apologied for handling my account inefficiently.
On the morning of XXXX XXXX, 2016 I was alearted to charges on my Sams Club XXXX issued thru Synchrony Bank that I did not authorize. At this time I am unsure what other personal informaiton has been put at risk.
My bank is obligated to dispute charges that I report, and they have repeatedly refused to do so.  As their customer, it is the bank's job to advocate for me as their customer.  The charge I asked them to dispute took place on XX/XX/2015 in the amount of XXXX.
I have been disputing things diligently with XXXX over and over.

I have been told they don't have documents, I haven't disputed items, that they don't have my FTC report and Police Report and I am frustrated with the lack of effort they use to do their jobs.

They are dealing with peoples credit and they show no regard while doing so. I have disputed fraudulent accounts that have been removed and now XXXX  have allowed them to be reinserted under a different debt collector name ... .but the same accounts. This does not seem legal. I have called and requested the removal of these accounts and have been met with resistance the whole way.

These accounts in question are : XXXX XXXX XXXX  ( formerly XXXX XXXX ) -- -- that was referred to the Federal Reserve and that was suppose to be removed from all three cresit bureaus. But is still showing.

XXXX ( formerly XXXX XXXX ) -- -that was also removed from my credit file for fraud with Experian and reinserted under a different name to XXXX .

XXXX XXXX ( formerly XXXX XXXX ) which was also removed from my credit for fraud file and reinsertes under a different debt collector name.

I have disputed inquiries numerous times to all three bureaus asking the police report and FTC identity theft report be attached and to this date, they remain.

I don't know what else to do if I have submitted all documentation and these representatives continue to misuse our information and give us false information to get us off the phone.

My last phone call with XXXX lasted almost 2 hrs and I had to speak with at least 4 different people ... to which nothing was resolved. I came in on an outsourced line where I requested a US rep. I received the US rep with the initials XXXX, who was suppose to dispute these reinsertes accounts and I asked to speak with a supervisor to file a complaint because she didn't have my police and identity theft report and I was then transferred to another representative that wasn't even a super isor and learned that the previous representative didn't even file the dispute on any of the fraudulent accounts.

THIS IS CRAZY!!! They are put in positions to control information that affect people lives and they do nothing to protect our information. Something has to be done about this. This is ridiculous.
When I opened checking account withUS bank, bank without my knowledge or my agreement automatically opened line of credit. I did n't ask and did n't agree with that. Later when I had fraudulent transactions and my balance was negative they automatically transferred funds from line of credit. Now they closed my account without my knowledge and expect me to pay this line of credit. I do not have another checking account and did n't want it in a first place.