WillisBack/dataset-financial-user-claim huggingface dataset:
I got a message on my phone that someone was added as a wire transfer recipient. I tried to log into my account, but the password had been changed. I was able to sign in with my phone using touch access. I saw that there was someone added as a recipient and money had been wired out of the account. I called the bank and asked them to cancel the transfer. While on the phone with the representative XXXX more transfers came through. The representative had asked if I had called in earlier in the day, because they showed that someone had called in. Someone had stolen my account information and was accessing my account. Even though I called right after and during the time the transfers were posted the bank was not able to stop the transfers and I had to file a claim. Throughout the process I was told that it could take up to 10 days for there to be a resolution and the money returned to me. My claim was filed on XXXX and as of today XXXX the money still has not been returned to me. I have called the bank multiple times and been transferred around every time even though I follow the instructions on what options to push. Every time I call they tell me a different option or who I need to contact. I have spoken with " managers '' or senior specialists multiple times and all but XXXX did not seem to know or understand the bank 's process or how to handle my claim. The last manager I spoke with on XXXX advised that the money would be back into my account by the end of the day ... it was not. I have probably spent between 6 and 8 hours on the phone attempting to get this issues resolved ; always with different answers and nothing ever really being done. While writing this up I am trying to call the bank right now and have been on hold for over 20 minutes. I 've had to hold off on paying certain bills and it has been somewhat of a struggle stretching out the money that I do have that was n't in my bank account.
This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX has charged off and closed an old account and sold it to a collection agency. Since they no longer have a vested interest in this account, im respectfully asking them to remove it from the three credit reporting agencies. I have another account with them in good standing. I understand that they are not obligated to remove it from the three credit reporting agencies.
Navient holds my private loans. They have made it impossible for me to repay my loans in time and reported erroneous late payments. They cheated me out of lower repayment plans. They allocated my payments toward my interest and not my principle. When I was trying to pay the loan back, but was in economic hardship, they kept insisting that I do a forbearance, resulting in very high interest added to my loan.
This account was opened in XXXX, the company Midwest Acceptance Reported the incorrect amount on my credit report and I fought this and the credit reporting agencies have removed this from my credit. Midwest Acceptance continues to do a hard inquiry on all the three credit bureaus without permission. Currently they have made inquiry as of XXXX XXXX, XXXX and XXXX XXXX, XXXX. I contacted Midwest Acceptance at XXXX XXXX on XXXX XXXX, XXXX and spoke with a XXXX man who was very rude on the phone, I explained about the inquiry and asked why they are checking my credit. He explained, I still have an open account with them. I have nothing listed on my credit from this company as a open, closed, charge off, or any other kind of reporting. I need this company to stop any access to my credit in any way shape or form. Thank you.
My son graduated from XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XX/XX/XXXX.In addition to his federal loans we took out a parent plus loan from Wells Fargo and co-signed for XXXX additional loans ( XXXX per year ) XXXX from Wells Fargo and XXXX from XXXX to help get him through college. The parent plus loan was sold to XXXX and we have payed on time monthly since that loan payment schedule started.Once my son graduated he had difficulty finding work and was able to negotiate a lower payment for his XXXX loan. Wells Fargo was unwilling to negotiate any interest reduction or monthly payment reduction. After a few forbearance 's ', loss of work and a move to a new location ( back home with his parents ) he is working part time again and has maintained regular payments with a few gaps all along. He sends in a letter each month with his payment explaining that he can only pay a certain amount. We began receiving calls from Wells Fargo over a year ago attempting to have us contribute to his payments. I explained that we were not in a position to do that because of my continuing student loans and the already monthly parent plus loan that we were paying and that we were interested in consolidation. My son attempted to consolidate as well but because we are the only co-signers he can get he was denied. We were also denied due to a recent bankruptcy. They were unwilling to look at any information other than my income and would not take into consideration that I pay all of my bills on time monthly. Communication with Wells Fargo Student loan department is difficult. They do not call back when they say they will, my wife and I and my son receive repetitive phone calls during the day and the caller simply hangs up. We have traced these calls to Wells Fargo Institutions. We received several letters ( XXXX XXXX and XXXX XXXX ) informing us that if we did not make large payments to bring the accounts up to date the loans would go into default. We contacted them and were told someone would call us back to negotiate or make arrangements for us to see how we could resolve the issues with my sons loans. They never called. In XXXX XXXX I had a conversation with an agent from Wells Fargo that informed me that the loans were now in recovery mode but that some payoff options were available to us. I expressed interest in this and was told an agent would contact me. No one called and no other mail correspondence occurred. On XXXX/XXXX/XXXX after my pay check was auto-deposited into my account, Wells Fargo Student Loans drew out over 90 % of my paycheck leaving us with out enough money in my account to meet our rent or other monthly living expenses. We did not discover this until we went to pay our bills on XXXX XXXX, XXXX. I called my bank to open a dispute of this unauthorized withdrawal from my account. They have opened the dispute, but could give me no assurance of recovering the funds. I must contact Wells Fargo Student Loan Department during their business hours Mon-Fri. Please help me to recover my money lest my family be evicted from our home. We are deeply distressed by the actions that Wells Fargo has taken against us.
I needed to buy a car and went to JD Byrider in XXXX WV. They say they do not do a credit check and they do not base their decision on my credit but they did. I checked my credit report and they did an inquiry on my credit. The sign out front said no credit check. I did not get a loan through them but they are false advertising I feel.
I purchased a rug from Macys.com on XX/XX/XXXX using my Macys credit card. In XX/XX/XXXX I received my first statement and the minimum payment was {$27.00}. I paid the {$27.00} over the phone using the Macys automated payment system on XX/XX/XXXX. I received a confirmation number. My XX/XX/XXXX statement arrived and it stated, XX/XX/XXXX PAYMENT THANK YOU with a {$27.00} credit. I missed the payment date of XX/XX/XXXX. I received my XX/XX/XXXX statement and it had additional late charges and a minimum payment amount of {$99.00}. I assumed that this was because I was late in XX/XX/XXXX. I paid the {$99.00} on XX/XX/XXXX. Around this time I attempted to refinance my home and learned that Macys had reported a late payment. I re-examined my XX/XX/XXXX statement and discovered that I was two months past due. It said that my payment from XX/XX/XXXX, the pay-by-phone check, had been returned on XX/XX/XXXX, and this did not appear anywhere on my XX/XX/XXXX statement. I contacted Macys customer service to see what had happened. They told me that my XX/XX/XXXX payment had been returned. They said they would remove the late charges as a courtesy. I thanked them but stated I wanted the late payment removed from my credit report. I was connected to the credit department where they informed me I had entered my account number incorrectly in XX/XX/XXXX and that it took until XX/XX/XXXX to report to me that the payment had been rejected. But in the meantime my account had become delinquent and was reported and there was nothing they could do. I called Macys executive customer service and spoke to XXXX XXXX. I stated my case again and she told me that Macys was not in error and that there was nothing she could do. I had entered my account number incorrectly. I explained to her that the automated system only reads back the last four digits of the account number for verification ( and those four digits were correct ). I stated this was a flaw in their system and she said that it was for privacy purposes and that it was still my responsibility to make sure it is accurate and that Macys was not in error. I made a good faith attempt to pay Macys in a timely manner in XX/XX/XXXX using their phone payment system. I received a confirmation number ; an XX/XX/XXXX statement verifying my payment had been received, yet on XX/XX/XXXX I was reported to the credit bureaus as being 30 days late. They were aware on XX/XX/XXXX that my payment was not accepted and I should have been notified on my XX/XX/XXXX statement. After examining the facts I think Macys is clearly in error. I  simply request that this derogatory mark be removed from my credit report. I ask for any assistance you maybe able to provide in resolving this matter.
I requested a loan modification, under the recommendation of the VA, on my VA home loan in XXXX of 2011 ; I was XXXX for two months and requested those two months be rolled into the principal of my loan. I resumed normal mortgage payments on the third month and have never been late. I remained in monthly contact with customer service of this mortgage company, and they consistently reassured me that the " late payment '' status on my paper bill was just a formality during this process and will correct itself once the paperwork is finalized. It took the mortgage company 11 months to " finalize '' the paperwork. This mortgage company reported to the XXXX credit bureaus that I was 120 days late for 11 consecutive months. This does not correctly reflect my payment history, I do not know what they would have to gain from this, but it is pulverizing my credit!
I went to my local PNC bank branch where I do the majority of my banking to apply for a mortgage loan. Initially I gave them permission to run a credit report and begin the loan application process. Their originator called me to let me know that my credit score was a XXXX and my rate would be 4.125 % on a 30 year fixed, I then decided to shop the rate. I received a better rate from another lender and let PNC know this so they decided to match that rate of 4 % and not charge me any points to get there. When I finally received my credit score report from PNC 12 days later I realized that in fact my score was a XXXX ; which is obviously a significant difference. By the time I realized this mistake we were under 30 days from our close so there was n't sufficent time to shop for a new rate without losing the house we were buying. My purchase was contingent on the sale of my home ; we had a buyer and agreed on a sales price. My buyer was also using PNC and the same loan originator from the same branch. Next issue was my home appraised at $ 47K less than the agreed upon purchase price, so naturally PNC would n't underwrite the loan and now my buyer had some suspicions about the price. Luckily the buyers brother was also an appraiser and he believed our price was fair. The buyer found a new lender and they did a new appraisal which came back over our sales price. This issue resulted in us having to postpone the closing on both properties for 7 days. So now 10 days before our new close date I was informed by my lender ( PNC ) that they would no longer honor my 4 % rate without adding a fee of {$1500.00}, essentially making me buy a point to get to the previously agreed upon rate of 4 %. I was given no options or explanation, just a call from my originator to disclose the new fees. When I asked for clarification he provided no clear answers and immediately told me to contact his manager. I hung up and called the manager over the next ten days sometimes multiple times a day and I hardly heard back from her. I completely understand that phone tag is normal and people are busy but I felt as though my calls were being screened and purposely not returned in a timely fashion. In addition to this my GFE as it was explained to me was off by $ 9K as compared to my final HUD. Again the loan originator had trouble communicating the differences between the XXXX and where we missed the mark. He had me call the closing company to get an explanation of the HUD and that 's when we realized that his numbers were really out of whack. I truly feel like I was steered into an unfair loan and forced to pay a fee that was n't properly explained to me. Not to mention that initially they did n't disclose my correct credit score which did n't allow me to accurately shop for other loans. I feel like my rights were violated multiple times during this process and I really hope this story can encourage others to steer clear of situations like this.
Equifax gave me someone else 's credit report. I was using the official Equifax free credit report site ( URL available in the screenshots ), I began the process to receive my report by typing in my personal information and last 4 of my social like normal. After I submitted my answers to the identity questions ( which made sense to my real identity ) the next page gave me someone else 's personal information and credit report! I was giving a whole PDF document of someone else 's credit report! The information received had a similar SSN, but totally different state, sex, address, etc. This all occurred about an hour ago around XXXX X/XX/17. Not only did my information get breached but now it looks like Equifax is handing out other people 's private information. The PDF has more information than the website viewer. I have proof that this occurred.
On XX/XX/2019 i logged into my account to make payment when i found out my account is being closed and i called to find out why, i was told my account is being closed due to my credit but i have a great credit and my credit report is currently frozen. so i don't believe any information i was given over the phone.. i need my account reopened asap. i have never missed a payment and i am being bullied by PayPal.com/scynchrony and my consumer rights are being violated.
We are writing this letter to dispute a delinquent payment reported for XX/XX/2018 under our GM Financial account. 
Our account was set up for autopay and we were unaware that the autopay had an expiration date. 
According to customer service, the autopay ended XX/XX/2018 so our XX/XX/2018 payment was delinquent. 
We use autopay for many accounts and the autopay is usually continuous for the life of the loan/account. 
We explained to their customer service department that we didnt receive any notices that our autopay was going to be ending soon or that it needed to be renewed. They said that they dont provide these types of notifications because it is the customer who sets up the autopay. 
We also explained to their customer service department that we never received any phone calls that we were past due on any payments. They explained that the collections department tried to contact one of the numbers on file and was told not to call that number again. On further review of the loan application, it appears they reached out to my husbands HR department at work which he placed on the lease application to verify employment. They said that eventhough they didnt try to reach out to our cellphones, they are not required to even call us. The call they made to my husbands HR department was just a courtesy call. 
We would like to file a complaint against GM Financial as we do not feel GM Financial notified us appropriately before reporting a delinquency to the credit agencies. We feel that GM Financial should have either notified us that our autopay would be ending soon or that the autopay had ended. We also feel that GM financial should have called our cellphones not our HR department to reach us.
LVNV has added a collection to my credit report that is not mine. I have not had a late payment on any account since XX/XX/2010 so there is no account that would be reporting late. This is a debt for over 3k that is not mine and I need deleted ASAP as I am trying to buy a house and I have zero late payments on my credit
I have been since XXXX of 2016 requesting a short sale I have been working with SPS, I Have submitted many complaints to try to get the problem of SPS asking repeatedly for document 's they say need to be updated only do to SPS not processing them in a timely manner, as of XXXX/XXXX/16 the complaint I submitted was answered ( with SPS needs more updated document 's ) ( that is the Complaint ) it has been almost a year. on XXXX/XXXX/16 I was referred to the Ombudsman XXXX. to expedite the paper work for my short sale request. I have spoke to a number of people in the Dept. the last to be supervisor XXXX XXXX XXXX who on XXXX/XXXX/16 I was told I would have a answer, in XXXX to XXXX hours since then, I have not been able to get a phone call back and I did not receive a answer but I did get a request for more updated document 's, on XXXX/XXXX/2016 my biggest concern is that SPS has required the title company XXXX XXXX ) different times to change the PRE HUD this last request is that line XXXX be correct to have a number that Bank XXXX XXXX gave them as a payoff amount 8 months ago, be changes, this is a Pre Hud the numbers are not to the penny, and will not be XXXX SPS has a closing date I have spoke to Bank XXXX XXXX, they close the file, in 30 days by law iff a short sale is not completed. SPS has cost me to lose my lawyer to represent me, due to the repeated request for updated document 's, they have had XXXX XXXX XXXX restart my file over many times, causing the realtor, to redo there part of the short sale, and my husband and myself costing me money to keep the unit overhead paid every month, that we do not have. I have now had to go to a debt consolidation firm to help with my bills, I need this to be over with. 
I have been not able to get a return call from XXXX XXXX in the XXXX XXXX. to tell me what happen. 
I have made many complaints, and I get the same response fro SPS we need more document 's updated, I am hoping this time XXXX XXXX will contact me, with a solution to this on going problem. 
it has been 8 months.
To Whom it may concern : I was shocked when I reviewed my credit report major discrepancies my credit report among all the 3 major credit agencies. There are multiple inaccuracies with the way this account is reporting and this is total violation of FCRA ; such as terms ( 61 months? ), wrong original balance, wrong date of last activity, date open, etc. 

I am not sure how this happened, and I believe if i read the fcra correctly it says that in order for a item to be reported to the credit bureaus it has to be 100 % accurate, 100 % verifiable, and 100 % timely.
Summary : Had a credit card, was paying debt. Became unemployed and unable to pay ( XX/XX/XXXX ), account went to collections. In XXXX XXXX, got a temporary part-time job and made arrangements with the creditor - XXXX to pay $ XXXX/month. Started XX/XX/XXXX. XX/XX/XXXX ( I 'm told ), the account was charged-off. I have been making $ XXXX monthly payments to creditor since then. XXXX XXXX, I wrote to them to tell them to " STOP CALLING ME. '' I said nothing about them not doing anything else. XX/XX/XXXX, they replied they " received [ my ] your request to close the above referenced account. '' WHAT??? And then later in the letter : " If you would like to may payment arrangements to resolve this issue, please contact us at XXXX. '' Huh??? I already made payment arrangements with them when it was discussed and I agreed to do $ XXXX/month - all I could do ; and notified them in the letter that I 'd let them know if/when my situation changed. 

So, my question is this : If the creditor talked with me, stated/negotiated ( almost begging ) an amount and accepted the payment amount I could make, AND has been accepting ( and acknowledging - receipt of ) those payments every month - for a debt that was Charged Off XX/XX/XXXX ; do they then have any right to refuse current payments I make, in an attempt to say I was not " paying as agreed, '' or to make it seem as if I have not been paying? What is my right as a consumer? What is their right as a creditor? 

I have another letter to write to them, accompanying the next payment I 'll be sending, to let them know they did not follow my letter, or misinterpreted it, and further - they did not acknowledge receipt/crediting the payment ( per letter as they have done for over a year - prior to my letter of request ). What else do you suggest I do at this point? Please advise, thanks.
The account was closed because I went with a new insurance company 2 years ago. This account has been removed by other reporting agencies except this one.

For the amount of XXXX
I had an attorney who is working on my case since XX/XX/XXXX, fail to file and protect financial interest in my XXXX   proeprty in Ohio case, lack of authentication rejected my claim for money owe by defenadat what he borowed against my trusted property since XX/XX/XXXX and XX/XX/XXXX, i had provided bank verfiabe USA bANK  documents still he did not file and proetect my interest, he also lie to me that he file XXXX deposition of fedendants, he did not aftere receving entry from XXXX county court clerk XXXX XXXX, and he did not impeach those defendat and he lost my case for around 900k, he also has doen poor job for not enforcing judgemtn what was graqnted sicn XX/XX/XXXX, let defendat do what ever he want to do with his money and fail to collect my judgments, now he want to do more work search etc also telling me lie since XX/XX/XXXX that judgment against whome i have may be that person do not have any investment in any business, may be he will go for bankruptcy, only thing he is inteested is just to collect fee from me and not delivering honest result of my letitgation and ocllection of money, i have to contact other attonrney and now they are asking why you have not collected since last two year for judgment? Why interest rate is only very low why not 10 % or higher, all thing lead to me that my attorney did not do honest and proper job he do not deserve any legal fee from me a, d going to pursue to go to suprem cour tof Ohio for his disciplinary action.