WillisBack/dataset-financial-user-claim huggingface dataset:
I had a XXXX XXXX Credit card back in 2016. I had it paid off yet the payment was not recorded. The account was then in collections for some time being mailed to the wrong address without my knowledge. I examined my credit report and noticed that it was in collections and charged off. The balance was very very low that was owed. I spoke with a representative over the phone and they informed me that if I paid the couple buck owed plus a fee then the negative marks will be removed. After I paid the fee and looked at my account I noticed the negative marks were still there. Also, I noticed that Equifax is still reporting my account as derogatory when it is paid in full.
I went to the bank of America on XXXX XXXX XXXX in XXXX GA on XXXX/XXXX/16 i in the afternoon when everyone in the bank started to XXXX.I complained to the manager that they was a problem.The bank was evacuated after about 30mins and people people started to XXXX vigorously outside and paramedics and police were called in. 
I left to go home only to end up in the emergency where I was given a XXXX and told to get a prescribtion.I got a bill from the hospital which I took to the bank and I was given a number to call and I did but they told me the manager had to make a complaint I went back to the manager who told me to go call the number I called XXXX XXXX who told me to call your agency.I want my bill paid and also a settlement for suffering and XXXX.
My wallet was stolen from my purse at a XXXX XXXXXXXX CO restaurant around XXXXXXXX XXXX MDT on Sat, XXXX XX/XX/2018. I didn't find out until 30 min later, when I discovered the wallet was missing, and then the fraud alerts started coming in on my phone from my bank. The criminals used my 2 credit cards for approximately {$9000.00} and my debit card ( without the PIN ) for another {$1500.00}, until finally USAA bank shut everything down. The bank is doing the right thing with the credit cards, but the debit card charges have been decided as not fraud. I notified the bank within 30 min of the incident, and in fact the bank shut down the card when a second transaction was attempted on the debit card, before I called in. None of this should have occurred if the bank had followed my {$1000.00} transaction limits on all my cards, which I know were in force about 8 years ago when I tried to make a transaction above the limit. About 36 hours after this incident, I received the initial " not fraud '' determination, and I filed an appeal with full details of the events in writing a few hours after that ( well within 48 hours of the event ). When I received no reply within 24 hours, I called the bank and demanded an appeal, at which point my report ( that was in the system but ignored ) was added to the appeal. Then the final determination of fraud ( no further appeal ) came in on XX/XX/2018, saying I was liable for the full amount. Federal law ( Fair Credit Billing Act ) says that I am only liable for {$50.00} due to my timely reporting. In addition, I demanded an investigation into how this whole fiasco was allowed to occur despite my transaction limits. So far, no response. Please let me know what I should do for the next step, because all I can think of now is to hire a lawyer and take USAA bank to court for violating the law.
Missing employment info. I have copies of employment history with a  XXXX  company that does not reflect on consumet report. Also company that previously requested this info from this consumer reporting agency provided me a copy of the report with my employment background stated on report but now this info no longer showing up.
All three credit reporting agencies have listed a " charge off '' account from Navy Federal Credit Union. I contacted XXXX in regard to the dispute I filed with them only to receive they investigated and found this was my account. I do NOT dispute that. 

Problem : I keep getting letters and emails from NFCU and of just this week an email from a man to contact this such and such number with extension number. I call that number with the extension and all I get is an arrogant and rude person working in a collection call center. When I ask for this person they want my life history. Sorry, I am not giving them all this information so they can try and talk with me. I have written, called and have asked the credit reporting agencies to help me bring these people ( NFCU ) to the table to discuss this matter. I have offered in writing to NFCU a financial settlement, to no avail. 

Please help me here. My credit is being dragged down because of this banking institution.
I have hard inquiries on my credit report that I did not authorize. I have tried to contact equifax on several attempts to remove these inquires and I have been receiving the run arounds. Hard inquiries such as XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX (XX/XX/XXXX), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). Fraud alert has been place on my credit report. XXXX XXXX XXXX and XXXXt ( coincidentally from the same bank ) accounts played part of identity theft.l and should be taken off my credit report. These inquires were not authorized and need to be removed from my credit report.
there is a company saying i owe for medical bills. the information equifax gives as the phone number and address and both closed. i have sent certified mail and tried to show proof of this but getting no where. also to try to log on now the give me a questionnaire of things i have never had such as student loan and car loans in a period of time i had tax liens and never applied for any credit. so their information is also false and when answer none to the questions i wont let me access anymore.
On my credit report the bank /XXXX/ send me a Charge off. Midland Funding LLC has the same In collection!!!!! How is possible this???
As an American with faith in our financial system I chose Wells Fargo as my second chance bank in an environment that slaughter the Wells Fargo identity.
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Unfortunately, the news reports about Wells Fargo continue to be true after the claim of several millions in investments to repair problems with consumer protection.
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I was notified the bank would be changing my savings account to a checking account on XX/XX/XXXX. I already had a checking account with Wells Fargo and assuming the notification was in my best interest I moved all funds to my checking account.
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None of my auto pay setups from my checking account were transferred and in early XXXX I began questioning charges from XXXX XXXX XXXX of XXXX. The company had overcharged my account several times even with the assertion that my checking accounts had overdraft protection.
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The dispute with XXXX led to a refund of over {$1000.00}. This was not a settlement but proof to my trusted bank that XXXX was allowed to override the supposed overdraft protection and subsequently sent my account into negative for more than {$1200.00} including overdraft fees from the bank.
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When I voiced my concerns to Wells Fargo in late XXXX I lost all access to online services and received several statements in the mail that did not reflect the activity I was concerned about at the time. I am XXXX and XXXX. I hoped to use retirement funds deposited into Wells Fargo to allow whatever is left of my life to help others.
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Last Friday before a medical appointment I stopped by the downtown branch in XXXX, Mississippi and requested and received the statements I needed to show there had been activity on the account long after I requested it be closed. Wells Fargo sent the account to collections bearing a different amount.
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The statements I received do not show why there was a change in the amount but the charge off reflects nearly a {$1000.00} difference from the credit company now hounding me for the overdrafts.
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Nearly {$14000.00} dwindled to a - {$1200.00} balance with little to no interaction with the bank about how this occurred or how to stop it. I spoke with a bank manager from XXXX today who is still refusing to put words in writing about this incident. I was XXXX  and XXXX XXXX at my temporary residence recently. I have informed Wells Fargo of the danger of ignoring this problem as I struggle for life.
<P/> XXXX XXXX and XXXX XXXX of the downtown XXXX location have refused to communicate a resolution or understanding of what happen in writing at this point. I have been offered phone conversations but as you read this I hope anyone is aware written communication for a problem as large as this is absolutely necessary.
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Wells Fargo has the ability to pay big money to shut me up. I am broke because I gave all my money to Wells Fargo.
On XX/XX/XXXX, I sent a certified letter to TransUnion credit bureau disputing a debt for one XXXX XXXX XXXX in the amount of {$8000.00}. After 30 days per the FCRA TransUnion reported the data was verified and accurate. On XX/XX/XXXX, I sent another certified letter to TransUnion in accordance with the FCRA requesting the methods of verification used in accordance with the FCRA. TransUnion failed to provide this information which is a violation of the FCRA. On XX/XX/XXXX, I contacted TransUnion via phone and requested once again the method of verification in response to TransUnion 's credit report stating " verified as accurate and updated '' File # XXXX. I reiterated by asking TransUnion to provide the name, address, and the telephone number of each person contacted regarding this alleged account. On XX/XX/XXXX, I received another credit report from TransUnion ( same file # ) but this CBR had the same creditor listed twice, as if the debt was totaling {$16000.00}. TransUnion did not re-investigated my dispute, as the CBR sent, was dated the same day of my call. AsI reiterated in my certified letters, and call to TransUnion, any automated response or XXXX verification is unacceptable. TransUnion must provide documents bearing my signature that the debt is valid. As of the writing of this complaint TransUnion has failed to respond to my request. Thus,, TransUnion is providing inaccurate, unverifiable information on my CBR and is violation of state and local credit reporting laws, as well as violating the FCRA. There is also a separate complaint against the creditor.
My mother died in XX/XX/XXXX and I inherited the XXXX acres my family owned, and along with it a mortgage of {$310000.00} whitch i suspected was a fradulant loan because the property is not worth any were neer that amount of money. I contacted B OF A and told them i thought this was a fradulant FHA loan. I didnt hear anything from the fraud department at B OF A for two years and then got a forcloser notice from XXXX XXXX a collection agency for B OF A. After contacting them they stated that they were going to sell the property if I did not imeditaly pay the amount of the loan in full. I conacted my congressmens office and they put me in contact with HUD since this was an FHA loan. This is when we found that B OF A was paid in full in XX/XX/XXXX since there was mortage insurance on the loan. So B OF A was paid in XX/XX/XXXX and is still wanting me to pay the loan agin or they will continue to try to sell my property.
I was strung out for over 6 months attempting to refinance my home. They had me wait to make payments on my mortgage- but month after month, they could n't do it. I incurred late fees, which they said they would refund, as well as a {$500.00} appraisal that was never needed as they were never going to be able to close the loan anyhow. They gave me false hope and treated me poorly as a consumer to such a important matter. I wrote to them telling them what I 'm asking for and they turned me down. Poor business pratices
Contacted Citi regarding current balance of {$1.00} on XX/XX/XXXX..The balance of the account was paid in full on XX/XX/XXXX. I have been a customer for 12 years. I am told this amount was per the terms of the agreement taken out when card was opened. There are no charges on the account at this time. The current charge of {$1.00} is due on XX/XX/XXXX.
day XX/XX/2018 XXXX I was inform that my loan was approved for {$5000.00} for 30montths {$180.00} @ 10 % fix interest at that time they put {$490.00} into my acct then they ask me to go to cvs and put {$490.00} on a card then send it back to them that was for my PPI. then they will transfer the {$5000.00} in to my acct. then they called me and told they need a {$150.00} and I told them no
XXXX/XXXX/XXXX I went into an XXXX XXXX XXXX authorized retailer to discuss the possibility of switching from a pre-paid plan to a post-paid account with a device. During the course of the conversation the employee performed a credit check without my knowledge or permission. At the end of the conversation the employee said the check had been a soft pull and would n't affect my credit. 
XXXX/XXXX/XXXX I got an alert that XXXX XXXX XXXX had done a hard pull of my credit on my equifax report. I immediately called XXXX XXXX XXXX and they said they could n't do anything, it had to be removed by the credit reporting agency. Equifax had already closed for the weekend. 
XXXX/XXXX/XXXX I spoke to Equifax, they said XXXX XXXX XXXX had to give electronic authorization to remove the inquiry. 
XXXX/XXXX/XXXX I spent over an hour on the phone with XXXX XXXX XXXX transferred to 4 different departments. No one knew how to remove it, most people said they could n't have done a hard inquiry. They told me I had to speak to the store where the inquiry had been done. 
XXXX/XXXX/XXXX I spoke to the authorized retail location and the employee said she needed her manager to help her. 
XXXX/XXXX/XXXX I spoke to the manager at the authorized retail location. He did n't know what to do and hang up on me, then refused to answer the phone ( I tried calling back for over an hour ). 
XXXX/XXXX/XXXX I spent another half an hour on the phone with XXXX XXXX XXXX customer service. They transferred me to finance who said I needed a payment specialist to help. The payment specialist did n't know what to do and hung up on me. 
XXXX/XXXX/XXXX I filed an online dispute about the inquiry with Equifax. So far no response.
This mater is in reference to a collection placed on my XXXX XXXX HOA account going back 7 years. I have made numerous payments on my account but the balance never decrease. Based on my account records with the Law Office if Cynthia Hitt Kent, LLC there a number of payments that has not been credited to my account. I have contacted the collections office on many occasions identifying this issue. No action has been taken to update my account with the collections agency ; in turn there are all kinds fees and interest charged to my account. In my communication I have submitted copies of checks chased on my checking accounts. Fails information is forwarded to my HOA Board and they are taking legal action against my assets.
Bank Of America withdrew funds from my account without my knowledge or authorization. They claimed I owed XXXX on a reposessed RV, I disputed the debt XX/XX/XXXX. Bank of America did not provide written verification of the debt. Instead Bank of America made an unauthorized withdrawal of XXXX on XX/XX/2015. I am enclosing documents to show the dispute, unauthorized withdrawal and letter from my attorney.
XX/XX/XXXX I was charged a total of four overdraft fees of XXXX each totaling XXXX On XX/XX/XXXX I was charged an additional charge of XXXX totaling XXXX Capital one 360 bank charged me a total of XXXX $ charges on my account when I would consistently check my app before placing a charge, I escalated this issue several times and the company has denied taking off some of these fees because they are highly excessive. The app would be deceitful and show a available balance and than the next day show a negative balance. I had to pay a total of XXXX XXXX I need some assistance and someone to investigate into this case. 

I escalated this to every department available at Capital One 360 and they would not help.
MY bank is charging me an over draft fee on items that did n't overdraft when they cleared, and they are XXXX charging me for things that did overdraft. 
EX : there was XXXX separate {$4.00} items that were still pending, then i had an invoice from XXXX come thru while they were still pending ... i got charged an overdraft fees for those XXXX items even though the XXXX {$4.00} items posted they did n't overdraft. then i got charged again another XXXX overdraft fees ( for the XXXX invoice, then i had to go to the XXXX and get XXXX ). 
Then again i got charged on overdraft fee for an item while still pending and again when it cleared
I have been receiving letters for almost 2 years about a mortgage that XXXX County Ohio revitalization has taken over. Servicing Corporation has been sending letters stating that I owe a principal amount of XXXX, with an escrow adjustment of {$240.00}. 

I got a letter yesterday, XX/XX/18 with a balance due of {$0.00}, however stating " the borrower remain liable for the mortgage loan obligation and any obligations arising from or related to the property, which may include property taxes ; the borrower may be required to pay the balance on the account in the future, for example, upon sale of the property ; the balance on the account is not being canceled or forgiven ; and the loan may be  purchased, assigned, or transferred ''. 

The debt in question is not listed anywhere on my credit report ever or as of today XX/XX/18.
The United States Department of Education/Nelnet is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old. At no time, have I ever had any written correspondence from United States Department of Education.
I have unauthorized inquires on my XXXX XXXX Credit Report. I have sent letters asking the credit reporting agencies to give me information on the the inquiries including my personal authorization allowing the companies to pull my report. The credit reporting agency has not provided the information I 've ask for. I received notification that the information had been verified and I know that ca n't be the case because I did not authorize the inquiry.
In 2016 I received notice of balance owing to capital one card services. I started paying the balance both by money order and by visa card. In XXXX late XXXX I received a notice from a collection agency stating that I owed capital one card services {$860.00} of which is the amount I paid off. I contacted capital one speaking to rep XXXX and forwarding copies of money orders totaling in the amount of {$450.00}. I have been trying to reach out to the card company for statements showing payments made and still waiting to receive this information. After making payments with my visa card I recieved an email from capital one thanking me for my payments. I received a call back for XXXX capital one rep  whom informed that all but one money order had been applied to my account which was the last payment of {$52.00}. XXXX could not inform of where my other payments had gone. I reached out to the XXXX filing a complaint. I was called by the second capital one rep whom inform that capital one would do their investigation and would get back to me. During that time Capital one have blackballed my credit report lowering my credit scores. I received notice from the XXXX with word from capital one asking for copies of money orders of which I had already submitted. I returned the rep phone call without a call back. I finally reached the third capital rep XXXX who at that point stated " that capital one was not showing any money orders cashed by capital one '' 2. They required for me to send copies of money orders front and back. 3. XXXX stated that it was showing that I cancelled two of the money orders. 4. Everyone knows that you can not cancel a money order with the receipt part of the money order of which I am in possession of. 5. XXXX stated that my money order payments coin sided with my visa card payments. Are you confused to? This account was paid off in it's full amount owing of {$860.00} cents. I have also reached out to XXXX XXXX   XXXX of XXXX XXXX  XXXX with assist in this matter. There is something wrong with capital one card services accounting department. Please assist me with this matter. Capital one should be ashamed trying to steal from consumers.
SECURITY COLLECTION AGENCY attempted to collect a debt in XXXX through aggressive and harassing phone calls. The debt, {$170.00}, had been paid to originator in XXXX. SECURITY COLLECTION AGENCY has submitted a claim on my personal credit asserting that the debt was owed and paid off in XXXX. They seem like an utterly scummy and fraudulent firm.
On XXXX I sent a notice of dispute to Wilshire Consumer Credit. This letter was sent via USPS Certified Mail with return receipt ( # XXXX ) and was signed for by XXXX XXXX on XXXX. 

Subsequently I filed disputes with the XXXX major credit reporting agencies, requesting that they investigate the accuracy and completeness of the account. 

On XXXX Wilshire sent correspondence acknowledging my dispute. Their correspondence indicated their belief that they were reporting accurately and their refusal to delete or modify the reporting. 

On XXXX I received investigation results from XXXX indicating that the " account remains ''. 

On XXXX I received investigation results from XXXX indicating that they " verified that this item has been reported correctly ''. 

On XXXX I received investigation results from XXXX indicating that " new information '' was reported. 

Despite their continued verification, none of these credit reports were updated to indicate my dispute of the completeness and/or accuracy of your reporting. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. XX/XX/XXXXs-2 ] ( a ) .3 of the FCRA states " If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' Again, this was not done. I 'm sure Wilshire is aware of the consequences of violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations their company is now responsible for. If not, let me point them out for you : FCRA 1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. XX/XX/XXXXs-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. 
XXXX. XXXX. Procedure in case of disputed accuracy [ XXXX XXXX XXXX ] ( XXXX XXXX Treatment of inaccurate or unverifiable information. 

XXXX. Civil liability [ XXXX XXXX XXXX ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} I have made numerous attempts to resolve this matter. Wilshire has continued to sent form letters which do not appear to be specific to my individual situation.