WillisBack/dataset-financial-user-claim huggingface dataset:
- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX  credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
*XXXX  XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from EXPERIAN XXXX " Completed investigation of FCRA dispute - consumer disagrees '' OR XXXX XXXX XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

Thank you!
Dear Sir/Madam, On XX/XX/2018, I deposited a check number XXXX drawn on XXXX XXXX XXXX XXXX valuing {$4000.00} in my Chase checking account number ending in XXXX. I used Chase Bank ATM located at XXXX XXXX XXXX, XXXX NY. The check was accepted and I was informed that the funds will be available in my account on XX/XX/2018. I reside in XXXX, XXXX and had a scheduled flight from NY to XXXX. I returned to XXXX on XX/XX/2018. Later, I found that the check was not accepted due to ATM/deposit Error. In an effort to resolve the issue, I contacted Chase Bank via phone multiple times. The call center representatives came up with contradictory information every time. The details of my telephonic correspondence with chase is presented in an attached table. 

Finally, I traveled to New York on XX/XX/2018 to resolve this problem. I visited Chase Bank branch in the XXXX and personally met a banker on XX/XX/2018 to get a clearer picture. Even the banker in the branch was unable to help me and was astonished that they are unable to trace the original check. They suggested sending a copy of the check to the address of the party who wrote the check ( address was printed on the check ). I was informed that I shall have to wait 8-days for the check to be delivered to that address in NY. According to the banker, I must have received the copy of the check and updates about the problem much earlier. But even after the passage of around 3-weeks, the fate of this transaction in unknown. 

This ATM error and further mismanagement due to false and contradictory information presented by Chase Bank call centers has caused me a lot of mental and financial distress. I had to put my payments on hold resulting in accrued late payment fines from the creditors as well as loss of trust. It will also negatively impact my credit score. I had to travel to NY at the recommendation of the Chase Call Center representatives and the banker in the Chase Branch. And I am adding to my costs by staying in NY and waiting to receive updates from Chase. I request that either the check be returned to me promptly, or the amount be deposited in my account immediately. Further, I demand Chase Bank to compensate me for the financial and mental distress caused by their mishandling of the transaction as well as reimburse me for my stay in NY and travel between New York and XXXX. 

Thank you for your kind considerations.
I accidentally made a payment to the wrong credit card. When I went to call Wells Fargo to cancel the payment I made in error, they told me there was absolutely no way to cancel a payment.
This is an old fraudulent, Identity theft account I had removed in XXXX it looks like it was sold to XXXX XXXX XXXX and just showed up on my credit report as a collection.
My XX/XX/XXXX payment was made early ( I have copy of cleared check ) yet it was reported to XXXX as delinquent
Please take notice that I have taken all necessary step in supplying all needed evidence in order for the corporation ( s ) TRANSUNION/XXXX/XXXX to adjust and remove all negative reports from my credit file. As of X/X/2017 it is still reflecting the negative remarks as of XX/XX/2017, which is hindering me from any future financial growth. I am informing you of these direct '' violations '' with the desired outcome of you helping me in getting said violation removed from my credit report. as of today I will fax you copies of said completion on my behalf. Please help me help myself.
I did not receive documents from the original lender, the original would not respond because the account was sold. 
After many calls to the collection agency, I then wrote a letter. They refused to supply me with any documentation before I made a payment.
I do not have a contract with this XXXX XXXX. I have never signed a contract with them  and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company.  I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. • What the money you say I owe is for: • Explain and show me how you calculated what you say I owe: • Provide me with copies of any papers that show I agreed to pay what you say I owe: • Provide a verification or copy of any judgment if applicable: • Identify the original creditor: • Prove the Statute of Limitations has not expired on this account: • Show me the you are licensed to collect in my state: • Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau (XXXX, XXXX, XXXX)  and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
Bank of America, filed a XXXX remark notating that " suspected fraud ''. Bank of America 's loss prevention department operates with opacity and without proper regulatory oversight or third party checks or balances. As an ivy league graduate, I am appalled by the lack of oversight that has led to no form of resolution nor any form of discussion between me and the executive office to resolve this erroneous reporting. While, such errors may occur, and is understandable with the large scope of accounts and customers serviced, it is disappointing to think that many customers whose reports may be erroneously marked, may not have the proper guidance or knowledge to reach out the appropriate regulatory bodies. 

This is wholly inaccurate, and along with this report, other fiduciary agencies will be alerted, and litigation pursued to remedy this inaccurate notation. 

This is a complaint in regards to the inaccurate reporting to a credit reporting agency, as defined by FRCA, and the request for validation of this information. 

Requests to reach the Executive Office have not been granted. Damages will be pursued, if this matter is not remedied prior to litigation. 

Best Regards, XXXX XXXX
I'm currently in my second semester of grad school ( full-time ). My Federal Unsubsidized and XXXX PLUS loans are being serviced by Mohela. My husband and I have been making payments toward my student loans ( at this point, roughly $ 2k, which has been enough to pay off my Student Plus loan from my first semester ). Despite explicit instruction on the Mohela website that any payments made within 120 days of loan disbursement would be applied to the principal, we noticed that Mohela began applying payments well in advance of end of the 120 day window to the interest. When we called Mohela to speak to a service representative today ( XX/XX/XXXX ), he first tried to confound us with the use of confusing and nonsensical jargon in an attempt to justify the application of payments to my interest. When that didn't work, he told us that in order for Mohela to honor the 120 day window, I would need to write and fax a letter making that request, even though no such instruction is listed anywhere on their site or in the loan agreement. Our suspicions that the company was hoping that we wouldn't notice the early application of payments to my interest with the sole objective of making additional profits were confirmed. In my case, this was around {$7.00} extra dollars, but I can't imagine how many others taking out even larger sums of money might be impacted by this unethical and misleading practice. Unethical behavior such as this has far-reaching consequences - not only for students, but for the US and world economy. It baffles me that the US Department of Education and US government would leave students in the hands of companies like Mohela, which brazenly mislead and confuse students into paying more money than they need to, which contributes to mounting student loan debt which contributes to students ' inability to participate in the economy as consumers, and ultimately leads to major economic crisis like the one that we just saw in XX/XX/XXXX. Not only do I view this as the height of idiocy on the part of the US Government, but I'm truly disgusted by the value system of flagrant greed that we continue to espouse and perpetuate in this country. And I want Mohela to know that financial power is not the only kind of power that an individual can wield, and I will be calling upon the power of information to fight this corruption. I will be sending a campus-wide email to my fellow students at XXXX in order to warn them of Mohela 's practices, and I will share that letter with other institutions. I will also be sharing my experience along with screenshots from the Mohela website with journalist friends at XXXX, the XXXX XXXX XXXX and others, as well as forwarding this information to my elected representatives.
I contacted Experian in regards to a Security Freeze I placed on my Credit File after having a credit card compromised and a subsequent loan opened under my name fraudulently. I having been trying to get the security freeze temporarily lifted for an auto loan provider without any luck. The insanity of the credit bureau for me to authenticate myself is to mail a copy of my social security card - which is a completely insecure route.

The monopoly that exists by the three credit reporting agencies is unheard of for any other industry.
Explaining ' a ( XX/XX/XXXX - XX/XX/XXXX ) Request ' for a Telecheck File Report, A Specialty Reporting Agency in the Collecting and Selling of Personal Information for the use in Credit Determination. 

Telecheck does not provide " full disclosure '' of the File Report ( # XXXX ) for the Dispute or Correct in an understanding of Pinpoint Service Errors of the Contributor ' : XXXXXXXX XXXX XXXX XXXX XXXX ', the Importances for Represented Elements received from XXXX XXXX XXXX, In an Evaluation of Review '  of an Effective Communication with XXXX and Myself since, XXXX of XXXX. 

Evaluations ' of the Continuing Escalating Concerns of XXXX XXXX ' _ Specialty Reporting Agency, in the Collecting and Selling of Information for the use in Credit Determination, An Evaluation of Allegiances and Alliances of Telecheck/FirstData that is ' of my XXXX XXXX XXXX XXXX ' Account, the Pinpoint Service Errors ' of the XXXX XXXX XXXXXXXX XXXX XXXX : Personal Banker ', the Escalated Concern of numerous Application Reporting ( s ) for a Simple ' Secured XXXX ' Approval.
My federal XXXX grant was converted to a loan on XXXX XXXX, XXXX without my permission. XXXX claims they did not receive paperwork stating that I was XXXX in a qualifying XXXX on time, even though such paperwork was submitted on XXXX XXXX, XXXX. XXXX claims to accept paperwork until XXXX XXXX, XXXX. XXXX refuses to convert these loans ( totaling $ 16,000+ interest ) into grants, and have so far denied my first dispute. I am submitting affidavits and complaints to the Attorney General 's Office and the Department of Education.
Enhanced Recovery is reporting a collection account to the major credit reporting agencies regarding XXXX XXXX XXXX cable, claiming I owe XXXX XXXX XXXX {$89.00}. I do not owe this. 

I had a 2-year contract with XXXX XXXX XXXX. I paid for the entire 2 years. At the end of the 2-year contract, I declined to renew. I did not have any outstanding balance. A few months after this, I did receive a bill from XXXX XXXX XXXX for approximately {$89.00}. I called XXXX XXXX XXXX and was told the amount would be credited back. Yet, more than a year later, E.R.C. is attempting to collect this amount on their behalf, and reporting to several credit bureaus that I have an unpaid account with them.
I have been a mobile phone customer of XXXX XXXX XXXX for 16 years, never once was I late on a payment. Last XXXX I ordered a XXXX line from XXXX XXXX XXXX but decided to use a local company called XXXX XXXX instead of XXXX XXXX XXXX. I cancelled the XXXX account which XXXX XXXX XXXX has confirmed and sent back the modem per their instructions. 

I am currently applying for a mortgage, I am an SVP in the mortgage division of a major bank, they advised me that I have an {$82.00} charge off from Franklin Collection ( XXXX ) XXXX that was referred to them by XXXX XXXX I had no knowledge of this account. The charge off has lowered XXXX of my credit scores from the high XXXX '' XXXX to the high XXXX 's. I called Franklin Col and they advised that the {$82.00} charge was for the set up fee of the XXXX modem. When I told them I never received any notice of this debt and was completely unaware of it I found out they were mailing the notices to the wrong mailing address. I live in a townhouse with a street address of XXXX XXXX XXXX XXXX, NC XXXX but XXXX XXXX will not deliver any mail to this address, it must go to my XXXX XXXX XXXX XXXX, NC. XXXX XXXX XXXX had the correct mailing address information for my XXXX XXXX XXXX mobile accounts ( I get a paper bill for my mobile accounts every month from XXXX XXXX XXXX ) as well as my cell phone number and email address but apparently did not pass this information to Franklin Col. 

I have made XXXX or more combined phone calls to XXXX XXXX XXXX and Franklin Col to pay and get my credit report changed due to the lack of notice but all they will tell me is to make a payment. I have made the payment with no paper bill but that is not my major concern, I now have credit scores XXXX points less and will have to pay potentially hundreds if not thousands of dollars more for a mortgage for a debt I did not know about and was never notified about. 

Can anything be done to help me get this repaired. 

XXXX XXXX XXXX XXXXXXXXXXXX
On XXXX and XXXX two collection reports were reported by ADASTRA Recovery. One was from XXXX and the other is from XXXX XXXX XXXX according to my credit report and were both for in the amount of {$310.00}. I have never opened these accounts and have told AdAstra that my accounts were compromised during that time. I had previously had some ATM theft so i filed a police report on XXXX when I noticed my identity had been stolen. XXXX XXXX documented the identity theft and then i filed a statement with them on XX/XX/17. After all the tourment I assumed it was over, Untill 5 months later as ADASTRA had told me that XXXX and XXXX had reported this 6 months after. I have mailed in the requested documents and 11 months later this is still open. {$310.00} is not even a large number, im just not willing to pay for it if i didn't open these accounts. I really do not understand why I have to suffer with a lower credit score when these are completely fraud deposits to someone using my identity. The only thing they could verify with me was that the user had used my mothers maiden name. Completely not fair when i hope you know someones moms maiden name when they just stole all your information.
As a retiree on a very small pension and bank with Chase bank, I am filing this XXXX complaint based on the same problem issue. There are times I will incur insufficient funds for no more than 2 days! I notify bank online to ask them to not charge their typical {$34.00} per item fee, as I have arranged an ACH deposit that will post ASAP ( always within a day ). Sometimes they delete the fee, many other times they do not. As of today, I was charged {$100.00} for being less than 12 hours beyond their window for the deposit. That is food and utility money for the month. I am a XXXX-year-old XXXX XXXX and can not afford to pay these outrageous fees. Please!!!! I need your help.
I paid of my JP Morgan Chase student loan more than XXXX years ago and even received an email congratulating me for paying off my loan. Recently, I began receiving emails from Chase about my balance being available, but when I logged in to their website, there was no balance. I assumed this was a computer error. However, Chase apparently has sold my imaginary debt to XXXX, which now claims my debt is {$93.00} plus {$18.00} in unpaid interest. There is no way this is even possible. XXXX days ago, I submitted a written request for verification of the debt to XXXX, at which point they began harassing me with phone calls multiple times a day. Then today I received an email from XXXX saying my request could not be completed because I never returned their calls. I realize this is for a small amount of money, but it is money that I do not owe, and I have a right to receive written verification of the debt. My credit has already been ruined by student loans and I 'm not going to start paying made-up debts that I do n't owe.
These accounts were disputed as fraudulent and experian,  XXXX  and   XXXX    have failed to remove said items from my report as mandated by the fair credit reporting act.   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   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   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   total  XXXX
Please help me as I have tried numerous to ask for verification as when I went to school I had financial aid that paid XXXX %, now I am being harassed. I do not feel I owe this debt and think I am being taken advantage of and this company still will not send me detailed list of charges, what has been paid by the financial aid. I was told when I applied and got accepted Financial aid would pay everything.
Approximately 18 months ago, my wife and I returned a vehicle to Ally Financial ( " Ally '' ) at the end of the lease term. The vehicle, a XXXX XXXX XXXX, was found to have a few minor dings, for which Ally charged us roughly {$1100.00} for the alleged cost of the repair. I contacted Ally and protested what I believed ( and still believe ) to be an extreme overcharge for such minor damage. After much back and forth, Ally agreed to reduce the amount owed to roughly {$700.00}, which I paid in XXXX XXXX. I subsequently received a letter from Ally stating that my account had a XXXX balance and that my " account with Ally has been settled and you are released from any and all obligations. '' Although it was never explained to me that me negotiating down the balance due on my account was a " settlement '' for purposes of credit reporting, Ally is now reporting this lease to the credit reporting agencies as having been settled for less than the full amount due. In hindsight, this was a clear strategy employed by Ally to deceive me with the intent of ultimately forcing me to pay the original account balance in order for them to stop reporting the lease as having been settled. It was ( and is ) clear to me that my negotiation with Ally reduced the balance due, which I paid in full ( and have a letter from them substantiating the XXXX balance ). Using these sorts of tactics, Ally could in theory charge a customer any amount they wanted to for any sort of fee and report a " settlement '' to the credit reporting agencies for anything paid that was less than the amount demanded.
I HAVE WRITTEN EACH CREDITOR AND TRIED CALLING WITH NO SUCCESS THEY DO N'T WANT TO HEAR THAT THESE DEBTS ARE NOT.MINE. I GOT HELP FROM THE IRS SO THEY FLAGGED MY SOCIAL SECURITY NUMBER. BECAUSE I 'M THE CLEAR VICTIM OF I 'D THEFT. 
XXXX, XXXX, XXXX XXXX AND XXXX ARE CLEARLY NOT ME, I 'VE BEEN WITH XXXX.FOR XXXX YEARS, NEVER XXXX, AND I DO N'T EVEN KNOW WHT the others ARE. 
EASE HELP ME, I 'M TRYING TO GET MY CREDIT UP TO BUY A HOME. PLEASE HELP ME TO ERASE THESE CREDITORS? THANK YOU XXXX XXXX XXXX XXXX XXXX
I attempted to purchase shoes for 300 dollars from a seller on XXXX on XX/XX/XXXX. I sent the money through XXXX, through my bank. I inquired about the purchase on XX/XX/XXXX, and on XX/XX/XXXX they deleted their account. I tried to contact them through means give to me via the purchase made. They have not responded, the email attached to the XXXX account is XXXX. The name on the XXXX account is XXXX XXXX. XXXX says they are not liable for the charges made.
I applied to get a personal loan through my bank. I was declined due to bad credit. When we reviewed the credit report we saw that the company Experian had my credit report and my fathers credit report mixed up. We have the same name but different middle initials. Obviously we have different Date of Births, different SS #. I have tried with my bank multiple times to have Experian correct this but they have done nothing thus far. When I spoke to them on the phone last week they said everything had been corrected. A week later ( TODAY ) I called and they said that it took 72 hours to process. It has been a week. So it would have processed. They said that the paperwork would be at my house in 8 days. But I could go on the Experian website and print my new credit report out. When I went to do that I discovered that my credit score had dropped 200 POINTS ( IN A WEEK ). Also noticed that everything that they said they were taking off and correcting on my credit report had been unchanged and was still showing up. This is effecting my life dramatically and all I want is for them to fix this issue. Which is obviously incorrect. I was born in XX/XX/XXXX and the report says I was born in XX/XX/XXXX? I live in XXXX XX/XX/XXXX and it says I live in XXXX. Everytime I call Experian I get transferred from department to department. I always end up spending at least an hour on the phone and they never accomplish anything. I do not understand how this company is at all still reputable. Please help
I CHECK MY CREDIT TO SEE THAT THEIR WAS A COLLECTION ON MY CREDIT REPORT FROM XXXX.IN THE AMOUNT OF {$420.00} I IMMEDIATELY DISPUTED IT DUE TO IT BEING OPEN BY FRAUD..AFTER I RECEIVED A LETTER FROM XXXX XXXX XXXX STATING THEIR OFFICE WAS IN RECIEPT OF MY DISPUTE AND WAS SENDING A VALIDATION WITCH WAS NOTHING BUT BILL WITH MY NAME ON IT ... THIS WAS NOT A CORRECT VALIDATION