WillisBack/dataset-financial-user-claim huggingface dataset:
Over a period of several years, I have made many purchases at an office supply retailer, mostly paying for them with a credit card. On XXXX XXXX, 2016 I made a purchase, costing a little more than {$150.00}, using a personal check. To my great surprise the cashier advised me that my check was " denied '' and gave me no explanation. There was plenty more in my checking account to cover the cost and I have never written a bad check. I used a credit card and the transaction went through without a problem. The next day, out of great concern for why my check was denied, I returned to the retailer and spoke to the assistant manager. He was very professional and immediately offered to look into it. He made a phone call, asked me a number of questions and I answered them. He was advised that my check was " referred, '' not " denied, and was advised to tell me to call an XXXX number to learn why my check was " referred. '' Anxious to learn about my " problem, '' I returned home and called the number. The company was TeleCheck, unfortunately, a recorded voice answered and proceeded to ask me a number of personal questions, including the dollar amount of my purchase, date of the purchase, and entire line of data at the bottom of my check. After repeating this process at least three times, I was told that someone would be with me in a moment. Following about 10 minutes of silence, I got a busy signal and I hung up. I re-dialed, and went through the process again. The voice finally advised with words I believe were : " ... ( a few short words I do not recall followed by : ) sorry for the inconvenience. '' and disconnected. I had no opportunity to speak to a human being and was left wondering about my checking account, my credit rating, etc. I then XXXX " TeleCheck '' and learned from numerous, written, customer " complaints '' that they are a fraud. I made copies to pass on to the retailer and my banker, both of whom thanked me for the information. My big concern is that I have not been told why my check was " declined, '' initially, and then was " referred. '' Another big concern has to do with the company, TeleCheck. This is a company that has been in the security business a long time and is now regarded by many innocent customers as being a fraud. From what has happened to me ... providing the recorded voice with some very personal information about me and my checking account ... I am extremely suspect as to TeleCheck 's intentions. I can not help but believe that this is an attempt by TeleCheck to steal my identity information and make it available to others at a profit to themselves. After a long history of customer abuse, I do not understand why this company is allowed to continue doing business! I trust that you will look into this matter as soon as possible and will get back to me regarding the next step in this complaint by me. Thank you very much.
Transunion ( TU ) is reporting a bankruptcy on my credit report that is showing the wrong filing date. The bankruptcy I 'm referring to is : NORTH CAROLINA XXXX COURT-XXXX - Docket # : XXXX If the correct filing date was showing, this bankruptcy would already be deleted, and would not be on my credit report. I 've reported this to TU several times, but TU keeps telling me this information has been verified. I asked TU how they verified it, and they said they contacted the bankruptcy court and that 's where they get their information from. I called the bankruptcy court myself inquiring about this matter and asked them if they would please contact TU and give them the correct filing date. The clerk at the courthouse told me they do not give out any information whatsoever to the credit reporting bureaus. If that 's the case, how is TU " verifying '' this information. Personally, I do n't think TU is doing any investigations at all. Each time I file a dispute, they just keep sending me a letter telling me that this information " has been verified. '' I asked them for the documentation that proved they had done an investigation, and they just tell me I will have to contact the source. ( In other words, the bankruptcy courthouse ) But I 've already contacted the bankruptcy court and they said they do n't provide any information to the credit reporting agencies, so how is TU verifying it?
Transunion is still reporting a civil judgment on my credit report when it has been paid and should no longer be reporting.
I have been making a payment with Navient from XX/XX/2009 to XX/XX/XXXX. I have paid over {$22000.00} and My balance has only decreased {$6000.00}. I have to sit on a call with a Navient Representative for over a hour for them to tell me all of my expenses. Once this call is complete I they tell me well your payments are going to go up. I tell them every year I ca n't pay this amount. They tell me that I took the loan out so I have no other Choice.I told them when I took the loans out I was under the impression that I could consolidate my loans now I ca n't Private loans do n't qualify. I cry every night because it 's a nightmare. They want provide me the paper work that I am signing up. I give them dates o take the payment out and its never the same.
This complaint involves two issues. The first issue I had was that Conduent loan services did not credit my account with the correct amount that I had paid. They had shorted me by about {$250.00}. After multiple phone calls, first to XXXX, ID number XXXX, and then to XXXX, ID number XXXX, the issue was finally resolved. It took way longer, about a month to resolve this, than it should have. Thankfully, I pay attention to my records, or would never have known about this issue. The second issue I had was receiving another borrowers personal information in the mail. I opened the mail, as it was sent to my address and I have loans serviced by Conduent, so I thought they had put the wrong name on the correspondence. Upon opening the mail, I realized it was someone elses application, with her personal information on it. I was horrified to think that someone might get a copy of my personal identification and financial information in this way. I called Conduent to report this error and the customer service rep was extremely rude and said clearly the mail was addressed to someone else, as if it were my problem that I opened mail from a servicer I use that was sent to my address. He told me to return to sender. I asked his name and ID number and he hung up on me. This was on XX/XX/2018. I am extremely concerned that an organization such as Conduent is handling money and personal information from me and many others. My confidence in this companys professionalism and financial management capabilities is extraordinarily low.
Chapter XXXX bankruptcy filed XX/XX/XXXX, converted to Chapter XXXX bankruptcy XX/XX/XXXX, repeated attempts to correct inaccuracies now show only Chapter XXXX reporting, statute of limitations expired XX/XX/XXXX, but shows will remain until XX/XX/XXXX Helvey and Associates, creditor for XXXX XXXX, continues to report open collection account that does not belong to me, 1st date of delinquency reports as month after last account held by me, closed in good standing XXXX  reports open collection days after unauthorized hard inquiry of XXXX  XXXX account ' account previously removed from file reporting again as open collection, re-aged to appear as new debt XXXX  XXXX charge off account reports as new delinquency each month, and a credit utilization of 123 % despite account being closed XXXX XXXX reports as open collection, balance amount has increased slowly since appearing on report, this is not my account but remains despite repeated attempts to verify this debt
I have sent several certified letters to XXXX, Equifax, and XXXX   to validate the accuracy of XXXX XXXX XXXX. I have asked the creditor to validate the amount, address, any videos of me due to the fact of being a fraud victim. XXXX XXXX is only replying to XXXX, Equifax, and XXXX with the words VERIFIED.
Last month  (   XXXX   XXXX   ), I  had an outstanding balance of {$23.00} on m y GAP Visa c redit card. I did not make any new purchases on the card that month. I was charged a late fee of {$23.00}. Interestingly, this is the exact amount of the amount owed on the card!! Is this even legal?? Plus I was charged a minimum monthly interest fee of {$1.00}, so the total fees for the month were {$24.00} which exceeded the outstanding balance on my card. I do n't understand how I can be charged fees that are higher than the amount owed on the card. Please help!
On XX/XX/2018, PNCBank Sent me a letter that stated that I was delinquent in the payment of my real estate taxes. 
Consequently, PNCBank stated that I must provide documentation showing that I was not delinquent. 
PNCBank did not provide the source of the information proving that in fact I was delinquent in the payment of my Real estate taxes. 
PNCBank stated that I would be forced to make payment to an escrow account if I did not prove I was not delinquent in the payment of real estate taxes. 

Provide a copy of the source without excuse.
I am a holder of American Express Gold Personal ( # XXXX XXXX XXXX ; expires XX/XX/XXXX ) and Business ( # XXXX XXXX XXXX ; expires XX/XX/XXXX ) Credit Cards. Although I have been an AMEX customer since XXXX, I am new to the American Express Membership Rewards ( MR ) program. On XX/XX/XXXX, I initiated my first attempted use of my MR points by transferring XXXX points to my XXXX XXXX XXXX ( XXXX ) account # XXXX. I was unsuccessful in the attempted transfer and received a message indicating that my transfer was blocked because of attempted illegal transfer to an unauthorized party or an attempt to sell my rewards points. I subsequently attempted another transfer from my spouse and authorized user, XXXX XXXX and received the same error message. I immediately contacted both AMEX Business Gold Card Customer Service and XXXX and have tried to resolve the matter, receiving conflicting information. I was informed that the issue may have been because of my mispelled last name on my Business Gold Card ( XXXX XXXX XXXX XXXX which has been corrected and I have new AMEX card on the way but am stil unable to transfer my MR points. I was also initially informed by an AMEX supervisor on XX/XX/XXXX that my experience was due to a temporary glitch that AMEX was experiencing and should be resolved in 48-72 hours. Only after multiple follow up calls was I informed that my account was under internal review and all I could do was wait for a call from their department. In the meantime, XXXX does not allow placing itineraries on hold and I risk not being able to utilize my points for my desired flights At my last contact with AMEX, the case was finally escalated with a case file of XXXX. Additionally, I have not been given a timeline within which I can expect case resolution.
I tried to dispute the debt because I do not know of it. I was able to get it removed from my XXXX, but they will not remove it from my XXXX.
XXXX has confirmed that my personal information was apart of the XXXX Breach. I notice that I have XXXX inquiries showing on my Experian credit report that I did n't authorize and they are the following : XXXX XXXX (XX/XX/XXXX ) and Onsite Manager ( XX/XX/XXXX ). I am requesting that these inquiries be removed as they were unauthorized.
the told me to sign a piece of paper, that i did not read, because it was not in laymen terms.It would have taken me hours to rea d it.She to ld me it was to be used to ONLY check my credit report in case i needed a loan..I found out later it was for a credit card, that if i knew, would have never gotten it.I got it in the mail a couple of days later and within minutes cancelled it.In doing so, my fico score dropped from  XXXX  to  XXXX .Just because i was lied to, and trusted them.The only thing i asked was to take the cancel off of my credit report to get my points back.They refused!
We applied for a mortgage loan with Chase Bank in  XXXX . We were " pre-qualified ''. Once we found the property we wanted and a signed contract, we met with the loan processer and started the ball rolling. She gave us a list of the items we needed to provide and the " deadline '' for each and we me t each one. Each  time, we were asked for additional documentation, we provided it immediately. She had a little panic moment once when she thought they were not going to approve the loan because the appraiser told them he could not find comps, which he eventually did and furnished an appraisal. At one point, the told us we needed to withdraw funds fro m our 401K to  pay off our truck which is financed at 0.9 % interest! We were able to produce additional proof of income to offset the truck payment. ( our daughter lives  in one of our ho uses and we had never had her sign a lease, which we did to prove income ) Just when we thought we were ready to close, she contacts us and says the loan is approved, but they are asking for a survey. The survey took  2  weeks to obtain and cost {$2000.00} plus the seller requested additional earnest money because it was taking so long. We provided the survey and the next day, she contacts us and says they are denying the loan. Why? Because even though my husband is " retired '' ( drawing   XXXX   benef its ), he rem ains listed as " active '' on the independent contracting firm 's roster that he has worked for the last 14 years. While he is receiving SS benefits, he is allowed to earn a nominal income to supplement. We have demonstrated the ability to pay at every turn. We have ample assets to protect their interest. There is NO reason ( especially the one the g ave us ) to d eny this loan. It ha s been two months  and we need to get this done. We are out {$2000.00} at their request plus the additional monies we had to send the seller. We need to close this loan!
On or about XX/XX/2018- Consumer Reporting agencies sent most recent 'credit report ' and Professional Debt Mediation was/is fraudulently reporting that I owed them a debt. Accordingly, I sent a letter to dispute the legal authority of their alleged statement of debt ; and to request a contract between Professional Debt Mediation and myself, which will show that I was in breach and had a duty to pay them. 

On XX/XX/2018- Professional Debt Mediation sent a response, yet in these letter ( s ) failed to show their original contract to show I had a duty or was in breach thereof, nor any court order to authorize them as being a party of interest to whom a debt is owed. 

It appears that Professional Debt is in violation of Missouri State Law which has statute of limitations ( RsMO 516.120 ) on filing a suit for any alleged debt AND Missouri 15 CSR 60-8.110 ; and is committing unfair practices.
I had funds being transferred from XXXX to XXXX to a chase checking and some of the money was not accounted for ... I originally filled a complaint with the OCC and they in turn handed it over to the FBI finance division who apparently sent me a letter to an address I do not live at and it was returned. Now with out the special file number on the letter I can not get the information. I called the FBI who gave me the finance divisions number who in turn said no information with out the number on the letter. I asked them to resend the letter and they said no go without the file number in this letter. What to do? Need I say more! So how do I find out if chase was responsible for the account errors? This was in 2012 Thank you
I contacted Trans union early this year when I got my credit report and told them that I think I had been a VICTIM of their inquiry issue ''. I gave them the inquiries XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I ask them to remove them, but customer service would not help and take care of the negative inquiries reporting to my credit report. Then a friend recommend I try you guys.
I 've had an account for over 20 years with good payment history. But the CC company wo n't report me to the agencies. We experienced fraud on our account in 2006 and as such they stopped reporting us. They claim that since 7 years has elapsed they can not report me to the agencies despite continued good payment history and being a customer in good standing.
Experian lower my credit score due to an inaccurate payment status that was made by XXXX XXXX in XX/XX/2017. XXXX XXXX has corrected my positive payment history and Experian is still refusing to recalculate my credit score as raise it back to the status that is was in before this inaccurate, negative information was place on my credit file.
I have been bombarded with phone calls for someone I don't know. Numerous times per day EVERY DAY!! I have told them several times I don't know the person they are looking for and to stop calling my number. Only to have them say ok and call a few hours later from a different number. The name of the company still shows up but the number is different. I am seeking a work from home job and these continuous phone calls all day impedes on my ability to provide for my children.
I have disputed this account more then 5 times with XXXX, Experian, and XXXX I also disputed it with XXXX XXXX collection, when XXXX finished there investigation the 2 time they did find that XXXX XXXX was reporting inaccurate information, and removed the account per FCRA I sent the information to XXXX and Experian showing that the information being reported was inaccurate using the information sent to me thru CFPB by the collection company that showed that the amount was less then {$2000.00} not penny more. but every time i dispute with XXXX  and Experian not only they dont correct the issue the up the amount my reports start at {$3300.00} then {$3300.00} then {$3300.00} since the Credit reporting companys know the rule and laws of FCRA im not going to give statues, but if an account has been disputed and nothing change but found to be inaccurate later must be deleted. I have provided such proof to XXXX And Experian SO AT THIS TIME THIS IS MY FINAL ATTEMPT TO RESOLVE THE ISSUE AND HAVE THE ACCOUNTS REMOVE FOR REPORTING IN BAD FAITH PRIOR TO ME FILING XX/XX/XXXX IN COURT I HAVE MADE COPYS OF ALL CREDIT REPORTS SINCE I STARTED THIS DISPUTES IN XX/XX/XXXX, I  ALSO HAVE THE DOCUMENT PROVIDED BY XXXX XXXX XXXX, WHICH CHANGE TRADLINE NAME TO XXXX XXXX I BELIEVE THAT XXXX AND EXPERIAN ARE NOW ACTING IN BAD FAITH AND TO PROFIT OF INACCURATE INFORMATION BEING REPORTED THEREFORE THIS IS MY FINAL NOTICE TO XXXX  , AND EXPERIAN PRIOR TO FILING SUIT IN WHICH I WILL NOT SETTLE AND WE WILL GO BY THE COURTS DECISION.
XXXX XXXX bank reported an erroneous IRS Form XXXX, cancellation of partial amount of {$6100.00} as my private student loan. XXXX XXXX of IRS claimed that I owe an amount of {$2300.00} because of this cancellation. I have written explanation to IRS, I sent the XXXX bank receipts and all my payment but XXXX XXXX do not pay attention. She Advised me to submit to XXXX TAX Court. Since, I am an apprentice in my job, I fear losing my job by attending to a court case. My wife is not working, and I do not have any other resources to pay our family bills. I believe IRS and XXXX XXXX are unfair of putting me into this kind of predicament since, I am religiously and consistently paying my private student loan. How could a bank file a cancellation of loan, and not informing the borrower himself, and even the co-signor my mother, XXXX XXXX, did not get any copy of the said cancellation of {$6100.00}, my private student loan. XXXX Chase bank has close their business of student loan, they transferred the servicing to XXXX since, XXXX XXXX AES could not produced any evidence of cancellation. XXXX XXXX branch, XXXX XXXX XXXX XXXX, records were in chaos, since XX/XX/XXXX up to the present date. They provided me a lot of account numbers, even If I only applied for XXXX private student loan. Account # XXXX, is {$6100.00}, is the one cancelled. Account # XXXX is {$14000.00}, and Account # XXXX, is {$20000.00}, the loan total was {$20000.00}. I believe the employee of XXXX Chase Bank was not accurately recording my payment. Most payment was recorded under XXXX, there were very few payment recorded in XXXX, and all other payments were recorded in XXXX, and some payments were recorded under account # XXXX, and some were in account # XXXX I suspect that the reason XXXX XXXX filed a cancellation, and pick XXXX because there were only few payments reflected in this account number. It was the employee of XXXX Chase Bank who recorded my payment wherever she/he wish and whenever is convenient. A fact that I am stating here is, I have been constantly, religiously and perpetually paying my XXXX Student loan, how could XXXX bring me to an insurmountable problem with IRS. The IRS has been sending me a lot of threatening letters even if it has been pointed out, that their audit is an error or a mistake. XXXX XXXX of IRS XXXX XXXX XXXX XXXX XXXX. XXXX UT XXXX at telephone number ( XXXX ) XXXX, is just advising us to submit ourselves to U.S. Tax Court, even if she already received all my supporting documents and evidences about XXXX '' inches think of documents to convince her that her audit is in error. Her audit does not specify that this concerns is about my private student loan, and not just a normal ordinary amount of income. This is not an ordinary undeclared income for tax year XX/XX/XXXX, but a private student loan. Please help me I believe that your office is the most credible and prestigious organization who could help me and my family solve this unsurmountable problem with Internal Revenue Service. I was paying my private student on time, a complete amount due every month, and on the due date. Thank you for help.
Experian dispute is reporting me as deceased. XXXX XXXX my co applicant is responsible and I believe used my social to open it to begin with. Then reported me as deceased I have Spoken w them on the phone I am not dead!
The collection agency was advised in writing that the debt had been discharged in bankruptcy and that it was not to contact the debtor again since its calls violate federal law. They continue to call and now are sending letters to the attorney who advised not to call the debtor.
I scheduled my HOA dues payment to be delivered on the XXXX of XXXX got confirmation from my bank that they will deliver the payment on the XXXX. They debit my account on the XXXX, but did not deliver the payment until XXXX. I was charged {$18.00} I have called my bank and they started to investigate they say they will call me and they did not. I faxed my complaint and have not received a response.
starting in XXXX 2017 until XXXX 2017 i have had serveral unauthorized charges on my Chase checking account. Chase Bank has denied refunds for most of these unauthorized charges.
This loan began while I was XXXX in the XXXX, with XXXX in XX/XX/2008 and was sold to American Education Services. The original loan was for {$15000.00}, I have paid more than the minimum faithfully from day. According to statements, as much as {$3000.00} a year. Somehow the balance on the loan is still {$11000.00} which does n't compute even when taking the interest rate into account. When I call to try and find out how this is not a toxic loan, I am just threatened with leans if I fail to pay even though I never once hinted that I would ever stop paying back my loan. Something does not seem right about all of this and they seem to be hiding something to react this way right out of the gate.
I was charged by my bank HSBC a monthly amount of {$20.00} from XXXX 2015 to XXXX 2015 without knowledge or authorization. When contacted the bank they refunded me {$40.00} out of a total of {$140.00}. No explanation were given to me.
I was informed by   XXXX   XXXX   XXXX   that my alleged account with them was sold to Crown Asset Management even though   XXXX   XXXX   XXXX   claim against was dismissed in court. I have called and left several voice mails with Crown Asset Management to discuss this matter and no one answers the phone or returns my calls. Crown Asset Management does not have a working website to contact them via the internet either. I would like any intended actions against me or my credit by Crown Asset Management to be ceased immediately.
equifax reporting inquires that are not mine wont send me credit report to see whats on there cra violation