WillisBack/dataset-financial-user-claim huggingface dataset:
I have a credit card with Chase Bank. I set up automatic payment of full balance online. However, on XXXX XXXX, 2015, Chase Bank only debited my checking account for the minimum payment instead of full payment. I found out the mistake on XXXX XXXX, 2015. I paid the balance off immediately and notified Chase bank the mistake. 

Chase bank has charged me {$14.00} interest for six days for {$1000.00} balance. I informed Chase that it was its mistake not debited full amount of balance. I had more than sufficient fund in my checking account, and I had no reason not to pay the full balance. Nonetheless, Chase has refused to refund the interest it charged me in XXXX, 2015 and continued to charge me interest in XXXX, 2015.
All of the following credit breaus has been allowed and continues to allow resubmission of unproven credit claims against consumers credit files. This should be illegal for them to continuously do with no check and balanceses.
To whom it may concern, I have reported a few unauthorized charges on my paypal. In regards to their response they still insisted that there was no suspicious activity and that I was to be responsible for those charges I did not make which I think is very unreasonable. They have not provided me any information with regards to their investigation as to why was my claim denied. Again I will attach all the unauthorized charges I have reported.
This complaint presents a separate violation. I have submitted formal demand for Experian to block the XXXX collection records reported by XXXX XXXX XXXX. XXXX XXXX XXXX falsely reports that I have not contacted them directly and that I have not submitted all required documents to show proof of identity theft including the identity theft police report and other supporting documents. Experian has sent me notice that the XXXX records remain on my credit report and direct me to contact the creditor because they have no way to contact me. That is a blatant lie.
My mortgage loan was transferred to " mr cooper '' from XXXX XXXX XXXX. I read on the internet that it was a buyout. I was notified this transfer was occurring on the very day it was scheduled to do so, not 15 days as required by law. No explanation ... Nothing. This was a shock. I have not received my mortgage statement and I am hesitant to pay my mortgage that I should have paid 16 days ago.
XXXX  attempted to process tge repurchase of my loan which they sent to Navient as a default accidently. Navient refuses to process this even being made aware that an error occured.
I  XXXX   XXXX  am writing this request due to incorrect reporting on my credit file.     I went into  XXXX   XXXX    (   XXXX   XXXX   XXXX   XXXX   .  On   XX/XX/XXXX  b ecause  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to  XXXX   XXXX . I then spoke with Owner  XXXX   XXXX  and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.     Since   XX/XX/XXXX I have n ot had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all   XXXX   credit bureaus and still no response. I have also attracted a letter signed and dated by  XXXX   XXXX  that the credit pull o n  XX/XX/XXXX  and in  XX/XX/XXXX  wer e both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on   XX/XX/XXXX . T here was no explanation on how or why my credit was pulled this time either. I had n't even been into   XXXX   XXXX   office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because  XXXX  Attacked me trying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that  XXXX   XXXX   Inquiry be re moved  My my cre dit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to  XXXX  other company 's without authorization or consent.     Including :  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX , MN  XXXX  The inquiry was submitted on  XXXX   XXXX  and on   XX/XX/XXXX  w ithout authorization or consent.      2.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  and again o n  XX/XX/XXXX .  Both without authorization or consent.      3. Prestige Financial Se rvices  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  The inquiry was submitted on   XX/XX/XXXX  and again on  XX/XX/XXXX .  Both without authorization or consent.      4.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX,  XXXX  The inquiry was submitted o n  XX/XX/XXXX  Without authorization or consent.       5.    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  The inquiry was submitted o n  XX/XX/XXXX . Both without authorization or consent.
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal la w. GLA has been reporting unverifiable and inaccurate inform ation on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Please note that I entered a agreement with Wells Fargo Bank Cash Back Signature Card.in XX/XX/XXXX 1year 6 months ago regarding a credit card visa ending in XXXX which is now closed in the amount of {$120.00} per month. I have paid consistently even in the month of XX/XX/XXXX. I noticed today TuesdayXX/XX/2017 that I did not receive my XX/XX/XXXX statement. I went to the Wells Fargo Bank branch located at XXXX XXXX XXXX, XXXX, CA XXXX   XX/XX/XXXX I spoke with the Wells Fargo Bank teller XXXX of Wells Fargo Bank told me that my bill for the month of XXXX was {$280.00} instead of {$120.00}. I told XXXX that my monthly bill is {$120.00} per months he advised me to contact the credit department
On XX/XX/2016, I began receiving email correspondence that my chase account email had changed. Shortly, after I received text messages of improper transactions on my account as I have my alerts set if amounts over {$120.00} are deducted. I immediately contacted Chase Bank to report the fraud while I was at work. I spoke to a representative who informed me that the account would be blocked, but also stated " Chase is severing their relationship with me and I would receive the balance of the account in the mail in 10 business days. '' I informed the rep that I was the victim of fraud and now the bank is re-victimizing me and I can no longer bank with Chase. As I was at work I concluded the call and contacted Chase again that evening in disbelief. A second rep took my fraud information and reiterated the same. Perplexed, I visited my local bank branch on XX/XX/2016 to speak to a representative, showed him the email and text. The bank rep assured me and showed me on his scree that the fraudulent charges did not go through. When I told him of my conversation over the phone, he thought that was incorrect and contact the customer service phone number. He was told the same thing that the relationship has been severed and I would receive the balance of {$640.00} from the account in 10 days. He had not rationale and was unable to provide any additional options. Although I was upset that I was essentially being kicked out of the bank because I was victimized, I accepted that I would receive balance and would bank with another entity. On XX/XX/XXXX, I received a check for {$71.00} ( of which I have not cashed ) which is the balance after the fraudulent charges of {$570.00} were processed. I contact Chase bank who informed me that I never contacted them or filed a claim. The rep stated I needed to prove that I do n't have affiliation with the entities for which the fraudulent charges were processed. I explained this is my household account of which only mortgage, utilities, etc are all processed via ach only come out of this account and has for years. Upon review of the account, the rep can see the same XXXX-XXXX repetitive charges ( water, electricity, etc ) each month. The fraudulent charges should stick out as an anomaly. After much discord, the rep finally stated he would fax the claim forms. I received them by mail twos week ago. I attempted to go back to the local branch to submit the forms. It has since been temporarily closed. I faxed the claim forms on XX/XX/2016. As of XX/XX/2016, I am stuck with a XXXX checked after being mistreated and having to find a new bank. This is not the way a bank should treat its customers.
I was late several times this year on  my Walmart c ard and my amazon. Both of the accounts are held by synchrony bank. I was charged late fees and my credit report was noted as it should be. But then they reduced my credit limit on both accounts to the amount I owed which put me at 100 % on my credit report my score fell over  XXXX  points. These companies are crooked and underhanded and are ruining my credit. How are they allowed to do this
I have no idea who either one of the agencies are that I supposedly have this debt with. I dont not ever recall being at XXXX XXXX XXXX
I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXX for {$340.00}, XXXX XXXX XXXX XXXX, and XXXX XXXX  Credit entries are inaccurate because I did not own any of these items charged to these accounts and I do not own any account listed as such. I am requesting that the item be removed to correct the information. 
Please review all of my supporting documents including letters to XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX. I do not owe this debt. XXXX has removed this info at one time. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX at one point. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans. I do not have any of these accounts opened in my name.
On XXXX/XXXX/XXXX my credit institution ( University XXXX XXXX XXXX via XXXX ) sent me my credit score ( Equifax XXXX ), which was much lower than in the past, indicating I should check my account for fraud. On XXXX/XXXX/XXXX I ran a credit report and saw XXXX XXXX # XXXX ( XXXX ) listed. Balance {$4900.00}, Original Creditor : XXXX ( XXXX XXXX, Placed for collection : XXXX/XXXX/XXXX. I called the collections agency who said they had called and spoken to a " XXXX XXXX '' on XXXX/XXXX/XXXX regarding the account being in collections. I did not receive this call and this is not my account. The collections agency reported the acct was in my name and same last XXXX digits of my social sec # but a different address. I then called XXXX and reported fraud/identity theft and a fraud claim was started ( reference # XXXX ) and notified the collections agency. I also submitted an identity theft claim to XXXX ( file # XXXX ) and Equifax webmail dispute online. I then called and reported this to XXXX County Sheriff 's Dept. ( case # XXXX ). This is not my XXXX account that was sent to collections at XXXX. This is identity theft/fraud. I am requesting it be removed from my credit report and my credit score be reset to what it was prior to this incident. XXXX has investigated this incident and removed the fraudulent claim from my credit report on XXXX/XXXX/XXXX.
I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.
THIS COMPANY DOES NOT LISTEN. I HAVE SAID TO PLEASE NOT CONTACT MY FAMILY, RELATIVES, ETC. AND THEY STILL DO. THIS IS EMBARRASSING AND CONTINUES TO OCCUR.
Merchants Credit Adjusters Inc Address : XXXX XXXX XXXX XXXX, XXXX, NE XXXX Phone : ( XXXX ) XXXX This company has been calling me after sending multiple notices to them to send debt validation. MCA has told me that they do not and will not send this information. We do not have any known account numbers with them. We do not have any knowledge of any outstanding debt. They are still calling even after sending multiple notices via Fax, Email and USPS. 
Letters sent by Us 1st Notice XX/XX/XXXX 2nd Notice XX/XX/XXXX 3rd Notice XX/XX/XXXX
After numerous attempts to resolve this situation, I have no other option but to seek outside assistance with this matter. I have contacted  both National Credit Systems and  XXXX , only to be told that the account was " Verified '' by the creditor. When I inquired into WHAT METHOD was used to verify the account, as well as WHO " Verified '' it, I have yet to receive a response. I am a victim of Identity Theft, who is desperately trying to get my LIFE back to some form of normalcy after going through this chaos for the past few years. I have been in constant contact with the Credit Bureaus since   XXXX   of 2016. National Credit Systems is claiming that I owe a debt of {$4000.00}. I have NO recollection of this debt, and would greatly appreciate any help in rectifying this discrepancy.
I 've been accused of allegedly owing over $ 10K for various parking citations from AllianceOne and their sister company XXXX in Washington state ; that I know is completely false and they were already paid. Prior to me paying my balance online on their website and sending money for payment arrangements they garnished my wages through my employer ( which I was unaware of a case against me nor was I notified until the day my employer start garnishing my checks ). I was n't notified properly of any notification of any judgment. They are using false, deceptive and misleading means to collect debts and communicating information to credit reporting agencies that it should have known to be false, using abusive practices and is in violation of the FDCPA. In addition to, their sister company harassing me. After sending dispute letters in order to have some sort of resolution to both of these companies, I got no result. This has been on-going since 2011. I believe they are cheating the state and not telling the truth about their pratices. These entities are adding interest on a daily basis causing more debt for the individuals who are debt.
I had a XXXX done and my dentist said I could put it on CareCredit and they would give me 12 months to pay it off interest free. I am a XXXX and I had our XXXX accountant make payments to care credit each month and we paid the whole amount within eleven months. Toward the end of my 12-month period I started receiving bills from Synchrony Bank that said I owed them over {$700.00}. I tried all of their phone numbers and could not get through. Finally, they called me and I said I had no idea what these charges were for. I told them what I had done and they said they would look into it. I told them to cancel my account but they still keep sending me statements and bills. Now I have received a registered letter that they intend to put this into collection. I looked them up on the internet and found that they were charged in 2013 for deceptive advertisement and were paying out over XXXX in settlement. I am contacting a lawyer and I could sure use some help from you in taking care of this problem. Thank you
Debt ( {$9200.00} ) was from XX/XX/XXXX by XXXX, Debt was parked and resubmitted on XX/XX/XXXX, incorrectly put the age of the account from 3yrs to 1 yr, information on credit profile is incorrect and have disputed with the Credit Companies, they files as other however it is a auto, never sent me information about parking debt or that it is a valid debt to pay, no contact from NCB at all
In XXXX of XXXX I opened an account with Peak Acceptance for a XXXX XXXX XXXX that I was unable to afford and was eventually repo 'd. Instead of showing a reposession on my credit it reportwd that i had a late payment every month for the next 5 years absolutely deztroying my credit. I have 6 of 7 accounts in good standings on 1 bureau. They are the only derogatory mark and my score is sufferimg dramatically for it..that isnt the worst of it. They are reporting that they closed the account in XXXX of XXXX and also that the last payment made was XX/XX/XXXX which totally false and they have llayed around with the dates to keep this on my creit report for as long as theu can. This has got to be illegal in some form and I am being punished for having to let a vehicle go back to the lender and suffering for it more than I should have to. Please take this complaint seriously and please help me remedy this and allow me to move on with my life. Ive had to deal woth this for nearly 7 years and they would like to keep it on my credit for an additional 6 years. Im not sure how companies can get away with This.
During the course of a real estate escrow a criminal realistically posing as the escrow company contacted me with instructions to wire {$78000.00} to a XXXX Bank Account with the Account Name : XXXX XXXX XXXX Trust Account. Thursday XX/XX/2018 XXXX XXXX did not take appropriate precautions : I went to my home Bank of America branch at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and gave the wiring instructions to the teller, XXXX XXXX. XXXX XXXX   completed the wire transfer even though the routing number did not match the address of the US Bank and THE NAME ON THE ACCOUNT DIDNT MATCH. The money was deposited to US Bank and withdrawn from the receiving account with the incorrect name by the criminal. US Bank should not have deposited my money into an account with a different name than the name I specified. Routing # XXXX account # XXXX
This is a blatant example of false, inaccurate, and scandalous credit reporting by a major XXXX XXXXXXXX XXXX. USAA FSB is reporting this account # XXXX is associated with my Chapter XXXX bankruptcy. This a patently untrue and false. This account was " Paid-in-Full '' more than a year prior to my filing Chapter XXXX. This account was paid-in-full on XX/XX/XXXX and I filed for Chapter XXXX on XX/XX/XXXX. Yet USAA has somehow misconstrued it's credit reporting by stating this account was included in a Chapter XXXX proceeding. Furthermore, USAA is stating on my credit report that this account is " Derogatory '' and in " Payment Plan ''. This false reporting is directly harming my credit rating. Please note that I paid all my creditors in full and exited Chapter XXXX in 2 1/2 years.
I have a XXXX-Cash call-XXXX loan. I obtained this loan in XXXX 2012. I pay {$480.00} a month. It was a {$5000.00} loan. After XXXX I have paid in & gt ; {$8000.00}. I thought it was a XXXX month loan at 100 % interest ( I was desperate at the time ). I called to check my pay off and was informed the pay off was about {$5300.00} at 116 % interest and 100 % daily interest with a XXXX month loan.
In XXXX of 2018 I submitted a dispute through the mail for accounts and also inquiries that were fraudulent and showing on my credit report. I would like these items to be reviewed removed and blocked. As a victim of identity theft and because of these unauthorized accounts I am unable to obtain legitimate accounts for myself.
I have for momths been having issues with exeter finance company. 9 out of 10 times i am greeted with rude csr 's. I have a set prompt of validation questions on my account and have spoken with several supervisors about this and still everytime i call in theres a problem. The representatives are rude and bring me to thw point of just wanting to surrender the car. This company has partneredwith a corrupt dealership to get us ina car we did not want in the beginning and now have been locked in an interests rate that is more than double paying for the car or as if i were buying to brand new cars. They have offered no refinance options and at this point i am in the process of getting a lawyer to mediate the outrageous, unethical amd potentially illegal terms of this contract. I have called on several times to tey to reaolve matters with this company. This car and interests rate is so hi im going to soon just drive it back to the dealership and leave it there. Crooked finanace company with a crooked XXXX XXXX and XXXX. I tols them after i gad the car the first couple pf days i didnt want it but was told i was stuck with it. Horrible service high interests im just over this scandalous company.
I was told that I could get a free copy of my credit report every year, but TransUnion refuses to give me one. 

I noticed fraud on my XXXX and XXXX credit reports, so I called the loan company and the police. The police asked me to bring all three credit reports when filing a police report. I also wanted to see if the fraud was shown on my TransUnion credit report. When I tried to view my free TransUnion credit report, I was unable to do so. Instead, I was directed to a website that charged me {$20.00} for " credit monitoring '' ( not what I am complaining about ). I was on the phone with Trans Union until my cell phone battery died, but I was still unable to get my free credit report. I was told  that it would be 37-100 days ( at a minimum ) until the credit report would be available. 

I will also be asking the local law enforcement to contact TransUnion directly to see if they can get the information that I was denied.