WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX accounts with AMEX, I sent a payment to the wrong account and called to have it transferred to the right one. AMEX debited the wrong account and never credited the right one so the cash essentially disappeared ( concerning I had to catch this and not them ). The first time I called to fix the problem the result was they credited the right account but again debited the wrong one. So I was double debited in one of the accounts. I have contacted them multiple times and they still have not resolved this issue. I am also concerned with the integrity of their payment system.
this account was paid in full and was never late are Charge-off please removed this incorrect information from my credit report thank you. 

XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$750.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX  XXXX XXXX , XXXX, VA XXXX Ownership Individual Original Creditor -  Company Sold-to
i had my identity stolen again, so i wrote to the XXXX credit agencies to get a a copy of my report, I sent them copies of my drivers license and including my SS #. Today i received a letter from Experian telling me about identity theft and how to handle it, the letter included instructions on how to get a credit report so i followed the instructions ( the phone version ) and at the end it tells me that i can not get a report and that i would have to send in paper work to include my SS #, copies of my license, bills, bank statements and etc. 
This is the second time this has happened to me in less than a year and i never have received a report. It seems to me that these companies do not not want to give the reports out. but they will sell you their services so that you can get a copy of the report. I have tried for almost 2 years to get copies from all XXXX and it never happens, regardless of the paper work sent in. I have received a copy one year ago from credit karma in l\ less than 10 minutes but again never from the big XXXX. 
What gives and why are they not held accountable for this injustice?
Borrower seeking compensation & damages for all Unapplied, Misapplied Funds by Suntrust processing department in XX/XX/XXXX. 
Full compensation for Late fees applied in XX/XX/XXXX which were than charged in XX/XX/XXXX ( not once but three times ) .These mistakes of course involve again pulling FULL made payments into suspense which SunTrust ca n't keep track of. 
The borrower will provide payment receipts for payments made before and after the late fees charged, so that there can be a continuance. 
XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX - Full payment is pulled into suspense? No late fee XXXX XXXX -paid XXXX XXXX XXXX -Skipped NOT posted XXXX Late fee charged {$77.00}? 
Past due {$2200.00}? 
XXXX XXXX -paid XXXX XXXX XXXX is posted to XXXX? XXXX Late fee charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX - paid XXXX XXXX XXXX - statement date XXXX XXXX XXXX Late fees charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX XXXX statement date XXXX XXXX ( transaction date bottom row shows XXXX ) on top the receipt states XXXX XXXX? XXXX Late fee is charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX statement date XXXX XXXX XXXX is charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX XXXX statement date XXXX XXXX XXXX charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX XXXX -posted XXXX No late fee ( XXXX XXXX added a late )? 
Past due {$2200.00}??? 
XXXX XXXX -paid XXXX NOT POSTED or credited anywhere & gt ; {$2200.00} Due back to borrower!! 
XXXX XXXX -paid XXXX XXXX is applied to XXXX XXXX XXXX No late fee ( XXXX XXXX added a late )? 
Past due XXXX So someone realized the mistake and fixed everything but did NOT correct any of the late fees charged of {$540.00}. there is also ONE Full payment From XXXX XXXX which was NOT credited anywhere which is now due back to borrower with interest since XX/XX/XXXX. 
XXXX XXXX investigation completely false and inaccurate! In XX/XX/XXXX she went back to XX/XX/XXXX to find more fees to apply to the mod - Not only that they Bogus and should have been adjusted once the mistake was fixed but as it turns out there is ONE full payment from XXXX XXXX XXXX - Missing {$2200.00} with interest to be refunded to borrower. 
the entire list of the lates charged in XX/XX/XXXX in the modification are uncorrected mistakes and the rest are fabricated. All receipts with statements are attached.
I got a Capital One credit card simply in an effort to build me credit, and rarely ever used the card, and after a year came up, there was an annual fee charged to the card. I received the statement and it said that I did not need to pay because I had it set up on automatic payments through my personal XXXX account. There was an issue with the online banking and for some reason the payment was n't going through, which resulted in Capital One putting a 30 day late on my credit report. I sent this information to Capital One and they still would not remove the 30 day late that they applied to my credit report. Please help me hold Capital One accountable to remove the 30 day late that should not be there because this is preventing me from refinancing my home.
I am challenging a Public Record Information on my credit report that is inaccurate in its filing. Although, " Dismissed '' means that it is adjudicated by the law, the credit reporting agencies are holding my credit status " HOSTAGE '' for the next 10 years. In the eyes of the Federal Government XXXX XXXX XXXX XXXX XXXX this voluntary dismissal does NOT exist!! My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The XXXX Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
I am a victim of identity theft. There are several items listed on my report that do not belong to me. I have tried several times through disputes to have them removed ; yet they are still on my report. XXXX XXXX XXXX remains on Transunion and XXXX report. XXXX remains on Transunion, XXXX and XXXX reports. XXXX XXXX remains on XXXX report. And unauthorized inquiries remains on all three. I have attached my ID Theft form. Please remove these items within four business days as legally obligated under the FCRA. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
This account was a joint account with XXXX and was paid a long time ago. I was told by this company that it would be deleted from my credit report and it still shows.
My husband and I are in the middle of an FHA Short Sale for the property located at XXXX. XXXX, GA XXXX. FHA /Investor requirement to be late on our mortgage to get FHA short sale approval. Supporting documents are uploaded. Please examine, audit or re-evaluate credit. As you see from the credit report that all creditors shows excellent record- " paid on time never been late. ''
I filed several complaints with Experian concerning a XXXX XXXX credit card account that was charged-off in XX/XX/XXXX in the amount of {$1200.00}. XXXX XXXX charged-off the account and submitted the amount that was charged-off to the Internal Revenue Service ( IRS ). I  received a XXXX form in the amount of {$970.00} for the cancelled debt and I filed the XXXX form with my taxes in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX reported the debt as a new debt to all credit reporting agencies. I informed Experian that the debt was not new and I submitted my XXXX form and copies of prior years credit reports that disclosed the debt as not being new and the debt being cancelled. Since XX/XX/XXXX Experian is reporting that I have a new late payment and this is not true. I filed several complaints and I tried filing a complaint again on XX/XX/XXXX, and I was informed that they would not review my complaint anymore concerning the XXXX  XXXX account. There debt reporting practices are unfair and do not adhere to the federal laws that are in effect.
I have asked them to provide documentation/bill for amount they claim is owed - I believe this is paid or is more than 7 years old. I have asked them to stop calling - they call sometimes 2 or 3 times in a row mostly with no message.
starting in XXXX of 2016 I hired a lawyer and we started the process with Fay servicing of a loan modification so I would not lose my home. 

I have filled out the same paperwork for almost 2 years now. 
They keep sending documentation about foreclosure. 
Every time I submit some type of documentation they tell me it either has expired because it takes them 90 days to review it, ca n't read it, forms have changed and that a line on a form is wrong and to do it a different way. 

I have spent at least {$2000.00} with my lawyer t file paperwork.
In  XXXX   XXXX , credit unlimited requested on my behalf that   XXXX   XXXX   XXXX   remove a closed mortgage account that was dated last activity in  XXXX  on all  XXXX  credit bureaus. The last payment that I made on this account preceded  XXXX  which makes the account past the 7 year mark. I could never get proper documentation and the account can never be found by   XXXX   XXXX   XXXX   XXXX  when I was trying to short sale the property that the lien was attached to.   XXXX   XXXX    XXXX  could never find the account.      XXXX  removed the account. Equifax updated the account as closed in  XXXX .  XXXX  added a second account with a different account number in  XXXX   XXXX  saying it is currently active and reporting late and a foreclosure has been initiated.      1. The ti tle to the property was transferred  XXXX   XXXX  that the original lien was attached to.    2.  I do not own any property for Bank  XXXX   XXXX  to foreclose on.    3. Thi s loan was sold 3 times since opening in  XXXX  ; me and my realtor requested a copy of the promissory note. The original promissory note and the account could never be found.
Dear Sir or Madam : Bank of America continues to erroneously assess late payments and interest charges to may account. As supported by all of the evidence, I paid my balance in full on time ; however, BoA, for unknown reasons, returned at least two payments made by ACH deposit. Finally, weeks later, BoA actually processed an online payment. Despite its numerous mistakes, BoA continues to send threatening letters to me and harass me by telephone and SMS. Please intervene.
XXXX - applied for credit card advertising 25k bonus miles to the XXXX Reward Program upon completion of $ 1k spend within 3 months of being approved for a TD bank credit card.

XXXX - within the first month I satisfied the spend requirement and the TD card statement reflected that I now had the bonus ( and the spend ) miles listed ( this is separate from actually having XXXX  reflect the miles ).

XXXX - I was granted XXXX bonus miles that were supposed to then be applied to the XXXX   Account Number ( XXXX ) I had provided when the card was originally applied for XXXX  - after the 'waiting period ' and still not seeing the miles credited to the XXXX, I called XXXX. They advised they had not received the miles from the credit card yet and that there was no glitch from their side. I then called TD Bank and explained the issue. They advised the miles should have already posted ( as it was past the 5 week waiting period since the miles were credited ). The supervisor told me the miles would reflect to the XXXX  within 5 business days. They confirmed that the XXXX they had was correct. My calls with TD are all recorded so they can review and verify my statements.

XXXX - I called TD a few weeks later. The XXXX was still not reflecting the credited miles. This time the supervisor advised it was a system glitch at their end and they would put in a request to get this corrected. They had no answer as to why the FIRST supervisor gave me false information. They confirmed again, that I had the correct XXXX, even though I told them a few times all those initial checks had already been performed. I asked if XXXX could send me a letter confirming my conversation with them. They advised they do not do so.

XXXX-beginning - I called TD again since the miles were still not posted to the XXXX. I was given the same answer as in XXXX, except with a little more run-around on the phone. They said they would call me within a week to advise when the problem was corrected. I did not receive a call back. The accuracy of the XXXX  was checked yet again and confirmed that it was correct. I asked for an extra XXXX miles to be added because of all the work, time, effort and aggravation I have experienced through this process. The supervisor said it would be submitted as a customer request. I asked for a transcript or a letter stating their proposed resolution in writing, but they advised it would not be given.

XXXX-end - I called TD again. Another supervisor at TD confirmed all the above notes and said they had 'escalated ' the problem and someone would call me back in the next few days to confirm that the miles had been credited and the glitch ( system issue, apparently ) had been fixed. I asked for an extra XXXX  miles to be added because of all the work, time, effort and aggravation I have experienced through this process. The supervisor said it couldn't be promised but it would be requested. To date, I have received neither the call back nor the miles credited to my XXXX.
On XXXX XXXX & XXXX XXXX someone accessed my checking account and withdrew {$300.00} from my account each time at a WFB ATM machine in XXXX CA. This person did n't use my debit card as it was in my possession the entire time. WFB called me on XXXX XXXX via an automated phone system that hung up on my twice before finally completing the call and informing me of a problem with my account but did n't what the problem was or which account was involved. I called them back and after many frustrating minutes the operator told me someone had used my debit card ending in XXXX to access my checking account ending in XXXX and took money out of my account. I told them it was n't me and the charges were fraudulent. A claim was filed and I received an email stating that fact. 

On XXXX XXXX I called WFB again and asked about the claim. They said I had never spoken to the claims department and I needed to go through all of the same information again that I had given the operator on XXXX XXXX. This was not true since I had given all required information to the representative I spoke with on XXXX XXXX. This is another example of how dysfunctional WFB is in their operations and how they use the " multiple department game '' to mislead and delay resolutions for customer service issues ( another example of this is how they handle flood insurance ) Once giving all the information I was told that they would complete the investigation now and that I would receive my money back that same day or no later than Monday. 

At XXXX XXXX PST I received an email with a subject line of " Wells Fargo Claim XXXX : Investigation Completed '' and that " We have completed our investigation of this claim and determined that an error did occur. We have sent a letter by mail with the details of our investigation. '' At XXXX XXXX I received another email with a subject line of " Wells Fargo Claim XXXX : Provisional Credit '' that contradicted the first email stating " We are processing a temporary credit to your Wells Fargo account XXXX. This credit is provisional until our investigation is complete. '' I called Customer Service and they said the email was in error yet I have not received my money back. 

XXXX has a XXXX liability fraud policy mentioned on their website that they are not in compliance with as described at their website ( XXXX ) under the Poweful Protection Features. This card and account do not have " Powerful Protection Features '' and is no different than my ATM card for my Credit Union. WFB is mis-marketing their cards as being safe when they are not. Someone cloned my card at a gas station and WFB did nothing to stop it. They are withholding my funds now pending their investigation per their last email with me. This national bank continues to mis-market their services and mis-treat customers such as myself with their unethical practices and poor customer service.
Equifax continues to report numerous unverified inaccurate information on my credit report, which is against the federal law. I have repeatedly asked how and who is verifying these inaccuracies. To this date I have not received anything verifying these inaccuracies. I have spoken to various personnel and visited the county recorders office and the clerks there stated that they DO NOT verify or even communicate with credit bureaus. So there is NO way my dispute was ever handled the proper way. Equifax obtains public record info from 3rd party companies such as   XXXX   XXXX   NOT from the actual courthouse. So this means when they " investigate '' and Equifax says the furnisher of the information is the courthouse, that is a big fat lie. How can Equifax say they looked at my current public record to verify a dispute when that info can only be ACCURATELY furnished by the county recorder ... that very same county recorder told me that they do n't provide that info to Equifax. I also have numerous address and names attached to my Equifax credit report that DO NOT belong to me.. I demand that these inaccuracies be deleted immediately or I will sue Equifax for each violation. I am tired of going back and forth with Eqifax about this and I am prepared to sue them.
I wrote and mailed a dispute letter to Transunion delivered per US Certified Mail ( attached ) XXXX XXXX, XXXX. XXXX XXXX after waiting more than 30 days as instructed I had not received a response and reached out to Transunion customer service. I was advised that my dispute had been complete, that all accounts in question had been verified by the creditors but provided no documentation or evidence. I advised the representative that per my dispute and rights afforded to me by FRCA I was due copies of the original contracts to verify the accounts added to my credit reports or the information was to be deleted. The representative advised that they had heard that before but the companies were not required to provide them the information and they would not delete the records based on FCRA information i had provided. The representative said they mailed out my results on XXXX and i had to wait until XXXX before they could re-send another copy. I reached out to Transunion again after XXXX only to be told again they would not delete the records again and that i they would send me a copy as promised before and i would need to wait another 14 days for it to arrive. After attempting to work with Transunion on several occasions, being denied on multiple occasions, my next step is to start litigation against them.
Company making repeated harassing calls to my business ( XXXX XXXX XXXX, XXXX. ) after being told calls are to wrong person. Speakers allege they are calling on behalf of U S Department of Education. Callers demand personal identifying information and state they will continue to call until I disclose such information to them. Also spoke to Supervisor and asked that calls cease.
On XX/XX/XXXX, a cashier at the Target ( XXXX Branch ) at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX completed at Target Red Credit Card in my name, while I was paying for the items in the checkout line at the register. She framed it as a rewards card ( XXXX offers one ), took information from my license ( which was out of state and in XXXX as I moved into XXXX and was n't even a resident ), and entered it into the system. 
Months later, I was forwarded mail notifying that I had opened a credit card, charged an amount on that card and Target was attempting to collect a debt. 
I went back to the store and have seen numerous cashiers at that Target Branch as well as others to to upsell customers on the " rewards card ''. 
In my attempts to clear this up, I had multiple attempts to contact Target Corporate Services between XX/XX/XXXX-XX/XX/XXXX and also found out from other cashiers that management offers large bonuses to employees who " convince '' credit card accounts. In all cases, they said that it was out of their hands and they passed it off to debt collectors. 

XX/XX/XXXX, XXXX XXXX executives are being investigated by the Senate for the opening of fraudulent accounts, I truly wish the CFPB, Senate Banking Committee Consumer Financial Protection Bureau and other governmental organizations would investigate the practices of Target and TD Bank US Holding Corporation on the opening of Target RED Card at checkout stands to see if there was a more systematic program in place by executives. 

Allowing a financial product to be sold at a checkout point where cashiers can demand access to personal information such as a driver 's license, and get access to personal things such as a signature to be used for very powerful things should simply be banned as fraudulent activity such as this happen. Target and TD executives should also have their emails reviewed for any systematic program to provide bonuses on the opening of RED Card accounts. 

Please see all problems with the RED Card accounts. 
XXXX As a resolution, Target has a Guest Services desk at the minimum and all financial products should be required to be verified there there with proper paperwork upfront provided on paper instead of through any checkout flow where it is prone to misuse by its cashiers. Anything not opened there and through the cash register should be closed, and all credit claims stopped.
I have never opened an account with XXXX XXXX. I have never signed a contract with XXXX XXXX.
On  XXXX   XXXX , I received a promotional offer in the mail from Navy Federal Credit Uni on ( NFCU ). It stated  that if I opened a  Go Re wards Credit Card account I could get a 2.99 % interest rate on balance transfers with no balance transfer fees. It directed me to  apply at www.navyfederal.org/go299. A fter I applied, had my credit checked, and requested to transfer my balance, I received their disclosures in the mail which said the interest rate on balance transfers was 10.24 %. I called  NFCU  to find out if 10.24 % was the balance transfer interest rate and I was told it is and that they had no knowledge of any 2.99 % promotional offer.