WillisBack/dataset-financial-user-claim huggingface dataset:
I was given a credit card to finance my carpet purchase from XXXX XXXX, the card was from Wells Fargo. I was told it was zero interest. I reached out to Wells Fargo when a year later I got a credit charge for interest on the account for {$2700.00}. I filed a complaint that they ignored and said too bad for you. I was never provided documentation stating the credit charge would occur. Additionally, Wells is now charging me interest at a rate of 28.24 % on the interest charge. I have paid the the bulk of the original principal purchase off and now Wells is telling me I owe them another {$3000.00} and growing. I would like to pay off my principal balance and have them reverse the interest charges as I was not informed of the terms, they have not produced evidence and they are charging me an excessive rate of interest on top off an interest charge. I do not trust their sales practices based on recent events I feel they are trying to rail road me and deny me my rights as consumer.
Good Morning, My issue is with Wells Fargo and their failure to honor the principle reduction I was promised by one of their representatives ( XXXX XXXX ) in a modification agreement. I completed the modification plan we agreed to and now they will not honor their end of the agreement, principle reduction of my mortgage. I am seeking help with this situation and an investigation into Wells Fargo to see if other clients have had this issue also.
I was contacted by Equifax about a person inquiring about my credit. We are attempting to get a mortgage. I have only given two sources permission to check my credit money source and e mortgage. I attempted to file a dispute with XXXX XXXX, and this is my second time trying to file a separate dispute, and each time they ask questions that even though I have the answer, does not put me through on the system. So the only way that they are receiving any information is by mail which takes weeks. You 're making no attempt it all to resolve issueS thru email.
I live at the XXXX XXXX with a one year lease. The apartment caught fire in XX/XX/XXXX/XX/XX/2013 due to faulty wiring. The complex moved people to cheap hotels around the area. I chose to move out shortly afterwards because of safety issues since the XXXX failed to provide an safe residential environment to residents as outlined in the lease. The XXXX has now hired a collection agency to have me pay {$3000.00} ( I am not sure what for ). The collection is on my credit report ( Hunter Warfield - XXXX XXXX XXXX XXXX, XXXX XXXX ). The address for the XXXX is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
My name is XXXX XXXX and I went to the university XXXX XXXXIn XXXX oklahoma. I have graduated and now my father ca n't be release from my loan due to forebearance. I have made all of my payments on time and believe it is unfair to keep my father on my loan and debt. Please address this issue so he can be removed from my loans.
I have sent several letters to them regarding a bankruptcy listed on my credit report. The information is incorrect all of it. They have stated that the info was verified through the furnisher which is not true they have never contacted them. I have on several occasions asked for the person who contacted the furnisher as well as the person they have spoke with and they have never provided that information to me. The information they are providing is information from a third party which I have also contacted regarding the info. I have since then froze and suppressed my files and the credit bureaus are still stating they have validated. Once again they have not been truthful. I will like both bankruptcies removed from my reports as they are incorrect. My spouse have kicked me and my XXXX children out and left us XXXX  atvtuis time I do not have attachments. Due to the false information reporting I have been unable to obtain a place to stay for me and my children. U will like this issue resolved as soon as possible so that I am able to secure a place to live for me and my children
No one validate information with provided documents. I went to XXXX Federal Court and also written, they said it was computer error and provided me attached letter.
I Received my credit report showing a inquiry from Pentagon Fcu from XX/XX/18 that I applied for an credit card. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score. The item is inaccurate, misleading, or incomplete, may have violated federal law.
I keep getting calls XXXX. There have been 7 calls made to my cell phone since XXXX/XXXX/17. I finally called them back today to find out who they are. The company is call XXXX and they are trying to collect and threaten me with saying the account is litigation from a debt from Providian Bank. That debt is over 10 years old and is out of the statute of limitations in Florida. When I told them that they proceeded to threaten me with taking me to court. When I ended the call they called me right back and the gentlemen on the phone was calling me a " XXXX ''.
I was notified that I have an unpaid debt by my credit monitoring company that was reported on my credit report on XX/XX/XXXX and XX/XX/XXXX to XXXX  and XXXX by Credit Bureau Sysyems. Even though I had previously wrote on XX/XX/2018 to Credit Bureau Systems ( CBS ) within the thirty days after receiving a collection letter by CBS that I had paid this debt and was disputing this debt. I did not think I owed this deductible as all deductibles are collected at the office and I was told at the doctors office that I did not owe a co-payment. I ended up paying the debt to avoid it being turned over to a collection agency by XXXX XXXX. I paid this debt on XX/XX/2018 directly to XXXX XXXX who assured me that my account was good standing and to ignore the letter I have received about my debt being turned over to a collection agency. 

XX/XX/2018 and XX/XX/2018 Source XXXX  Source XXXX Company CREDIT BUREAU SYSTEMS INC Payment Status UNPAID ( UNPAID ) Status Date XX/XX/2018 Balance {$50.00} Address XXXX XXXX XXXX, KY XXXX
I have been the victim of ID Theft and have a fraud account that Equifax refuses to remove. They keep saying it was verified as begin correct! of course it would come back as accurate, My info was used fraudgently to open this account! This account does not belong to me as well as the following Inquires XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX Acct @ XXXX OPENED XX/XX/XXXX I have and will continue to send in police report as long as this troubling ID Theft continues.
XX/XX/2011 I filed a chapter XXXX bankruptcy which included a past due amount on my mortgage. I continued to pay my current payments and also my trustee who paid on the arrears that was supplied to my attorney. During the bankruptcy the lender tried to increase my monthly payment by almost {$900.00}. I continued to pay the same amount I had been according to my attorney 's advice. The lender filed a post petition stating I was not in compliance with the bankruptcy and tried to get it dismissed. At the end of the bankruptcy the lender claimed I owed {$9400.00} but had no idea where that amount came from. The judge determined I pay a final cure amount of {$960.00} which I did and my bankruptcy was discharged. Shortly after the discharge I received information the lender was claiming I was over {$10000.00} in the arrears I contacted them regarding the discharge and they said the previous company that was managing my account had made an error. They were suppose to send me a letter telling me how they resolved the issue. Now a year after the discharge they are saying I am over {$8000.00} in the arrears even though they show I have made all my payments. The problem is that the current payments are being applied to months that were discharged in my bankruptcy. This is the second time I have had to contact them regarding their misapplication of payments and they just do n't fix the problem. I received a letter of mitigation which is usually the first step before they try to foreclose. Di Tech sends you information of who your account representative is with an extension number but when you call there is no option to enter an extension. In order to reach someone you have to set on hold and then they usually ca n't help you and you get sent somewhere else to hold for another hour or more. They have no customer service
I had a BBVA Compass clearspend debit card. My debit card was hacked on XX/XX/XXXX we 're by someone was trying to charge funds to my card I reported this to BBVA Compass and they said they 're going to send me another card on the XX/XX/XXXX. I talked to them again and they explain to me what happened someone had evidently copied my card from what they supposedly said I swiped it at a pump, but I do n't remember swiping it at a pump. She said that the charges were coming out of XXXX. I called BBVA Compass again on Monday and they told me that my account had been closed and that they were not going to activate the new card that I have received from them. By this time I am a week without money. I went to a nearby Compass bank and ask them what they just release my funds to me and get so that I can have my money. I 'm they call someone in an office who said she was doing some expedited function which did n't really get me anywhere. I called them back on Wednesday and talk to someone and she said that account was closed and that she could do an expedited function and have me a check mail I asked her why when the person who said they were giving doing an expedited function on Monday did n't say anything about mailing me my money Monday in a check. She said she did not know. After talking to them I remember it that this may be the account that I set up to receive my tax refund on so now I am going to be without that money because they decided to close my account.
I requested my credit reports through XXXX, and Equifax displayed a full credit report for someone else, " XXXX XXXX '' of XXXX, CA. The report displays the last four digits of my social security number, and " XXXX '' and I have the same birth year and appear to live in the same state, but otherwise we couldn't be more different. I am not sure what's going on, but assuming " XXXX '' is innocent in all of this, this is a HUGE invasion of his privacy ( which I think he should know about ), and I'm concerned my file is being mixed up with this stranger 's. 

I attempted to file a complaint in Equifax 's system right away, but I couldn't submit because answering the security questions honestly didn't work ( because the questions were for " XXXX '', and we are not the same person! ) and my only other immediate option was to file a line-by-line dispute which is irrelevant to me because the whole report isn't mine or submit a statement that'd be displayed in his file, which is obviously not the right option.
I have reported American Express several timeshere. This time I am upset because I have askedthem to cease and desist and three days laterI was sent another threatening email. Also thecyber fraud issues have been going on sinceDecember 2013, which is way longer than 30 days. 
I have told them I feel threatened and asked forproof of investigation and this is finally supposedto be in their fraud department, but they still tryto collect what we allege we do not owe. They saytheir attorney investigated this, but if this is true, then why have we received absolutely no proofof the line item charges we ca n't find that areset forth in the totals they say we owe? This isusing the reporting threat to extort money from usthey refuse to show we owe. They have also notpaid people we authorized to pay, and for which wemade payment. XXXX of these is XXXX XXXX, and there appears to be more of thiswith other companies, which we are investigating, and these things are new cyber fraud issues. Sowhy is n't American Express really investigating, and if they finally are through their fraud departmentthen why are they harassing us withconstant emails and threats to report us to thecredit agencies. Enough is enough! We ca n't be theonly ones to whom this is happening. All we want to do is pay our bill, but only as to the actualcharges we authorized and/or also that we can seein black and white. This is all we ask. Do n't payunauthorized charges. Show us in black and whiteand line by line ( correctly ) how you came up withyour final balance. We pay all new charges in fulleach month, so interest charges do not apply to thisissue. So where are the line item charges wecannot see?
On XX/XX/XXXX, I called Security Credit Systems of XXXX, NY in order to gain information regarding an allegedly defaulted student loan account in my name. 

I was put in touch with a XXXX. XXXX, who insisted that I owed a total of {$1100.00}. This was in stark contrast with the amount listed on my Federal Student Aid account, which listed a due principal of {$820.00} with {$0.00} interest due. 

When I presented this information to XXXX. XXXX, he became agitated and hostile, insisting that I owed an additional {$350.00} in interest charges. 

I pointed out to XXXX. XXXX that I could not possibly owe Security Credit Systems that much, as this loan was serviced by another credit agency before XX/XX/XXXX, before being transferred to Security Credit Systems after that date by my original loan provider, XXXX XXXX, as disclosed to me with XXXX XXXX business office in a conversation which took place on XX/XX/XXXX. Security Credit Systems has serviced this loan for less than two weeks, and yet they are claiming I owe roughly 45 % of my principal balance in interest charges, to quote XXXX. XXXX. 

XXXX. XXXX then vacillated between claims that these interest charges were imposed by Security Credit Systems and, alternatively, the federal government. When I stated that these interest charges couldnt possibly be imposed by the federal government, as the Federal Student Aid website currently lists due interest charges for this loan at {$0.00}, XXXX. XXXX again grew angry and demanded that I pay the requested amount immediately. 

It is clear to me, based on the very short length of time Security Credit Systems has serviced this debt and the significant discrepancy between XXXX . XX/XX/XXXX claims and the official amount listed as due on the Federal Student Aid website, that this is an attempt to charge an exorbitant and potentially usurious amount of money that I do not owe. These actions are in clear violation and, at the time, render me unable to pay my proper debts. 

Security Credit Systems is making wildly fraudulent demands, and should be appropriately reprimanded for their unethical, predatory, and potentially illegal behavior.
On  XXXX   XXXX  , 2017 a p ayoff payment was made the my student loan account, in the amount of over {$5000.00}. I call Navient ( loan servicer ) to discuss this payoff, and request proof/copy of the payment, and a final letter stating that my loan was paid in full. When I called Navient on  XXXX   XXXX ,    2017, the y told me that the account looked over-paid, and that they would issue me a refund for that over payment. They also told me that they had NO information on what account the payment came from, nor the payee. Absolutely no record. They only knew the  XXXX   XXXX ,  2017 pay ment date and payment amount.   I called the company back a week later to check on the status of my request. They electronically mailed me a letter that said Congratulations, your loan is paid in full. They also mailed me a letter enclosing a copy of the {$5000.00} check they received for my loan.   Believing that my loan was paid in full, I was confused to get an email in  XXXX , stating that even though my loan showed a zero balance, that I should continue paying since interest or fees could be due.   I was more concerned on  XXXX   XXXX ,    2017 wh en I logged into my account to find that Navient had done the following : reversed the  XXXX   XXXX ,    2017 pa yment and BACK DATED that reversal as though it happened the same day it was made ; charged me interest and a late fee for the, " unpaid  XXXX  payment. '' I called Navient and the representative told me the payment was reversed and my loan was over due now. I referenced my paid-off-in-full letter. I referenced my payment history. The representative said a review team was researching what happened and would call me  XXXX   XXXX ,    2017. I  asked to speak with a manager and was put on hold for over  30 minu tes. When I finally spoke to a manager, she said that the payment was actually reversed on  XXXX   XXXX ,    2017, an d that the {$5000.00} payment was mistakenly made to my account then it should have gone somewhere else.
XX/XX/XXXX - Current student loan principal balance : {$35000.00}, with interest : {$45000.00} XX/XX/XXXX - Original student loan principal balance : {$12000.00}. 


XX/XX/XXXX - Department of education sells my loan to Suntrust. 
XX/XX/XXXX - Suntrust DOUBLES my principal balance, claiming it to be a finance charge. 


Started as a {$13000.00} loan, I have made AT LEAST {$13000.00} in payments ( NOT OF WHICH ALL HAVE BEEN ACCOUNTED FOR ) and I now will end up paying an additional {$100000.00} to repay this loan in full. This does not seem legal at all! How can Suntrust legally double the principal of my loan under the guise of 'finance charge '?
Credit Report XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for XXXX years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in XXXX XXXX years, it would be easy just to ask when and where the charge occured. Can you please have this corrected?
During a recent review of my credit report, I noticed a credit inquiry by XXXX XXXX XXXX dated XX/XX/18 that I did not recognize. I contacted the company via certified mail which was signed and received by the company on XX/XX/18. The company replied back on XX/XX/18 reporting that they received an application for credit from XXXX by XXXX and verified the credit inquiry. I sent a second letter via certified mail to XXXX XXXX that was signed and received by the company on XX/XX/18. In the second letter, I again disputed the inquiry and requested their verification procedure. To date ( more than 60 days since my last communication and 90 days since my initial communication ), XXXX XXXX has not responded to my request for verification and have not noted my dispute on my credit profile, as required by law including for credit inquiries.
XXXX  In response t o Atlantic Bay and  the original complaint.  XXXX   XXXX  was contacted by a frantic  XXXX   XXXX  and asked to write a letter defendin g him/Bay Atlantic. W hich he did and which they submitted as their original response.   As far as  XXXX  qualifying as a primary residence his current primary residence has not sold and the entire reason he wants to sell is he claims ca n't afford it- so since current residence has not sold and probably wo n't for at least 6 months- Prior to our purchase it was on market for 1.5 years- this is completely foolish. He may be able to g  XXXX   XXXX   XXXX  os but after that trying to juggle  XXXX  residences and utilities is going to be a stretch
Hello, I have disputes with XXXX different companies to remove derogatory items affecting my credit score. 
Prior to this issue my credit score was XXXX. 
I desire to get my excellent credit rating back on track. 
I feel like I am being bullied by these companies and have tried everything I know to do with no results. 
I am disputing the following : Below is a full description and resolutions of what is required to receive an XXXX credit score, time is of the essence, I desire to purchase my dream home in XXXX. 
The merchant accounts amount as follows : XXXX XXXX $ XXXX XXXX XXXX {$1200.00}. 
Both XXXX and XXXX XXXX have passed that statue of limitations to collect a debt in New York and XXXX. 
Resolution : They must remove this off my credit. 
& XXXX ; Dispute Explanation & gt ; Item XXXX and XXXX was my credit card processing and equipment companies. I closed my company in XX/XX/XXXX which obviously I needed the equipment. I contacted the companies that I closed my businesses and never heard anything from them until XX/XX/XXXX, when they put the the negative items on my credit report. 
& gt ; XXXX : I want both of these charge-offs removed. 
& gt ; 1. XXXX & gt ; XXXX XXXX XXXX XXXX. 
& gt ; XXXX PA. XXXX & XXXX ; 2. XXXX XXXX XXXX & XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX & gt ; XXXX, Il XXXX & XXXX ; XXXX XXXX XXXX XXXX & gt ; 3. XXXX & gt ; XXXX XXXX XXXX. 
& gt ; XXXX OH XXXX & gt ; XXXX XXXX XXXX XXXX & gt ; Dispute Explanation & gt ; XXXX is stating that I was XXXX months late which I was n't and it confirms I was not on my credit report. According to their credit policy a late credit reporting is only done when a person is XXXX months late not XXXX days late. 
& gt ; Resolution : I want the XXXX day late report removed. 
& gt ; & gt ; XXXX. XXXX & gt ; XXXX & gt ; XXXX, FL XXXX & gt ; XXXX XXXX XXXX XXXX & gt ; Dispute Explanation & gt ; XXXX which issued my XXXX. I had a XXXX balance with this company and they took the liberty to check my credit score and made an executive decision to close my account which adversely affects my credit score. 
& gt ; Resolution : I want my XXXX XXXX re-opened because they did not have permission to check my credit score after my credit card was approved. 
& gt ; 5. XXXX XXXX XXXX & gt ; XXXX XXXX XXXX XXXX. 
& gt ; XXXX XXXX South Dakota XXXX & gt ; & gt ; XXXX XXXX XXXX XXXX & gt ; Dispute Explanation & gt ; Years ago I closed this credit card with a XXXX balance. 
& gt ; & gt ; Resolution : I want this credit card removed from credit report because the closed credit card like the XXXX card being closed adversely affects my credit card. 

Thank you
My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple credit cards and not paid. These accounts all are not mine.Capital one has not resolved the issues yet
This is about ALLY FINANCIAL. I paid this auto loan off in full. I received my title and payoff letter. On my credit report the loan was closed out but then days later I noticed a duplicate account made with a balance reported. I called a number of times for a number of days. No one would give me a straight answer and there were times when operators were disconnecting calls. It wasnt until XX/XX/19 when I got a letter stating the balance owed was for a repo charge. I never even had a late payment and like I stated earlier the balance is paid in full. When I would talk to someone, instead of correcting the obvious error, they would just bounce me to another department. I am beyond frustrated at this point and feel that no consumer should have to go through this.
To whom this may concern, I was reviewing my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly update and removed and delete the following inquiries off my report. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX. I need these removed I have not applied for any of the above