WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Macy 's credit card which is serviced through Chase. On XX/XX/2017, I paid my balance in full of {$500.00} and assumed that I had a XXXX balance. On XX/XX/2017, my card was charged {$9.00} in interest charges and on XX/XX/2017, my card was charged {$2.00} for a " minimum interest charge, '' and was again charged {$2.00} on XX/XX/2017. I received emails from Macy 's to login and check my statements, but since I knew that I paid my balance in full in XX/XX/XXXX and had not used my card to purchase anything, I did not feel the need to login to my account ( their website is very confusing ). I received a notification from XXXX that my credit score - which was previously around XXXX - had changed and it had dropped to the XXXX due to Chase reporting me for delinquency. I logged into my account and found that I had a balance of {$13.00} - all of which was just interest and fees accrued AFTER I paid my bill in full. I paid the {$13.00} on XX/XX/2017 ( when I realized what happened ) and tried to file a dispute, but became overwhelmed and confused by what I needed to do in order to dispute their delinquency charge. This is not the first time that this happened with Macy 's, and the issues began when XXXX began servicing my card. 
Today I received notification that my private student loan through XXXX has raised its interest rate for the fifth time in about six months to 9.50 %, and I sought a soft quote from XXXX to refinance my student loan. I was told that my credit score was XXXX and that the key factors that affected my score are the time since delinquency is too recent or unknown and the number of accounts with delinquency ( I have no other accounts with missed payments ). I do not have anyone who can cosign for me, as required by Citizens, and did not think that I would need one as I have made years worth of consecutive on-time payments to my student lenders ( I am over XXXX ) and my annual income has been over $ XXXX for the past few years. I need help fixing my credit score so that I can attempt to get refinancing of my student loans, as I am carrying about {$65000.00} worth of student debt.
My loan is one of those XXXX loans that were upside down then they went under and my loan was sent to XXXX, where i was offered a numerous amount of loan mods but when I called none of them were valid. Then it was sold to Specialized Loan servicing which has also been a disaster. I have tried to contact them for assistance. My payments are late because I was told my payment was XXXX and thats what i was sending, then it started going up and I was never told that it was gon na happen. So now I am like XXXX behind and never been able to get help. I know I should have gotten a lawyer when all the XXXX situation happened but I wasn't very knowledgeable. Now I am reaching out to all the avenues to see if I can get some help I have reached out to XXXX, SLS, XXXX XXXX XXXX even tried getting help with a company called XXXX. We are always worried that we are gon na come home to find an eviction notice but every month we send XXXX but we don't know what to do anymore Im begging for asssitance and file a complaint on all these companies. I feel that its something wrong that has been done. I have practically been renting my home with no stability.
XXXX XXXX in XXXX, TX XXXX ran hard inquiries on me for a auto loan and i di not give them consent. i told them to stop after the first check. ALL hard inquiries were done when i was not even in the car dealership. They tried to get loans for XXXX $ from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX that went on my TRANSUNION Report. THey also ran credit for XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, that all went on my XXXX Report. A total of NINE hard inquiries that were without my consent
There 's numerous inquiries on my credit report showing over XXXX student loans. Luckily these were all consolidated, however they are still reporting on my credit report.
On XXXX XXXX XXXX I opened a business checking account, CD and business credit card at the BofA branch located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I selected Bank of America because they were advertising a bank credit for new checking accounts and credit cards. It was {$150.00} for new checking and {$100.00} for a credit card after 6 months. <P/>I followed up with Bank of America in XXXX of XXXX because I never received a credit for either promotion. I was required to submit request with both the credit card team, and checking account team. The credit card team honored the promotion, but the checking account team sent denial letter for case number XXXX dated XXXX/XXXX/XXXX. <P/>The denial letter stated the promotional code was not entered when the account was opened. I opened the account at the branch the same time the credit card was opened. If their banker did not enter the promotional code correctly when opening the account I do not see how that releases them from honoring their promotion.
I have received approximately XXXX repeated calls all within a 10 minute time frame. When I call the number back I do n't get any information as to who or why I was contacted. The agents that answered the phone were very disrespectful, and would not provide any company information or any other identifying characteristics.
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
After XXXX years we finally received an escrow statement from our mortgage company. There were several items that we incorrect. 
1 ) We had overages that we were never notified of, and have no idea where the money was applied. 
2 ) They do n't show a XX/XX/XXXX, or XX/XX/XXXX and XX/XX/XXXX. They do have XXXX payments posted without a month attached. 
3 ) We have made extra payments From XX/XX/XXXX-XX/XX/XXXX and have no way of knowing where the money was posted. 
4 ) The beginning balance they show as XXXX, it should have been the amount they received from XXXX XXXX XXXX which was {$2100.00}.
Equifax mishandled personal identification information of myself and millions of others, including names, social security numbers, birth dates, and addresses, putting our credit at risk during the recent security breach. Furthermore, the company discovered the breach on XX/XX/XXXX, waiting more than one month for consumers to be notified. I was potentially affected by the breach, according to their website. The company is further defrauding customers by requiring them to pay for freezes on their credit and advertising a protection service that may require payment in the future, in addition to waiving their legal right to sue.
Date: XXXX XXXX, 2017Report # XXXX-XXXX-XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Never lived at this address. This is not my address. Wrong information by Experian.
Rural metro ambulance co. Provided service on XXXX/XXXX/XXXX. XXXX XXXX submitted their {$1300.00} claim to XXXX XXXX / XXXX XXXX on XXXX/XXXX/XXXX. The claim was denied by the insurance company due to XXXX XXXX " untimely billing '' by not submitting the claim within 90 days as required by law. XXXX XXXX XXXX confirmed that they notified XXXX XXXX of the decision XXXX/XXXX/XXXX and XXXX XXXX DID NOT APPEAL or RESPOND to XXXX XXXX XXXX 's refusal to pay the claim. XXXX XXXX XXXX sent XXXX XXXX the EOB stating the the patient ( me ) has XXXX Resonsibility for the {$1300.00}. AND DO NOT BILL THE PATIENT FOR THIS SERVICE. XXXX XXXX XXXX XXXX Sold the debt to Credence debt collections and they are now demanding payment of {$1300.00}. I called Credance collections and told them them the information about XXXX XXXX negligent billing and the denied claim and the company not RESPONDING/appealing to XXXX XXXX care. As per XXXX XXXX XXXX & XXXX XXXX AND MY EOB I am NOT RESPONSIBLE FOR THIS BILL OF {$1300.00}
Equifax continues to report a Chapter XXXX bankruptcy that was filed XX/XX/XXXX on my credit report. This is in violation of their stated guidelines reported here XXXX XX/XX/XXXXWhich states : Public RecordsJudgments remain on file for seven years from the date filed, whether satisfied ( paid ) or notPaid or released tax liens remain on file for seven years from the date released or 10 years from the date filedUnpaid or unreleased tax liens remain 10 years from the file dateBankruptcy - Chapters XXXX, XXXX, and non-discharged or dismissed chapters XXXX and XXXX remain on file for 10 years from the date filed - Discharged chapters XXXX and XXXX remain on file for seven years from the date filedNew York State Residents Only ( must be current resident ) Satisfied judgments remain five years from the date filedPaid collections remain five years from the date of last activityAll other purge rules as noted above apply
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX. 

THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. 

I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. 

THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. 

MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE.

SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesXXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off/Never late. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$5100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$12000.00} Terms 1 Months On Record UntilXX/XX/XXXX
I have not been contacted by this collections company ; however they are on my credit report. They have been in legal trouble with the federal government for this exact same thing before. This medical debt is not mine and they are using XXXX different company names for the same " debt. '' Central Financial Control on XXXX and Syndicated Office Systems on XXXX. False debt, no contact with me, yet they are on my credit report.
On XXXX/XXXX/XXXX, I made a wire transfer in the amount of {$1800.00} to Coinbase, Inc. ( XXXX ). This money is supposed to show up in my account, at most, one business day after being sent. Today is XX/XX/XXXX and it has yet to show up in my account. I have called Coinbase 's customer support line eight times and every single time the automated message said that they were experiencing heavy traffic and then hangs up. I sent 4 e-mails to them as well, but have yet to receive a response.
Unable to purchase goods online. Using Paypal is the only allowed vehicle. Can not enter my credit card information without using this service. They have a XXXX. I have verified my information with Paypal numerous times, they still deny me.
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.
This complain is against Experian. Why is it that you can not use the United States court documents I sent to you? You did not explain the reason for this but yet you are going to go back the XXXX XXXX who is supplying the erroneous, incorrect, negative and outdated information to verify if the information is correct????? Look I have never had an individual account with XXXX XXXX or XXXX XXXX. I have never applied for an account with XXXX XXXX or any one associated with them. What documentation or what does it take for you to understand this??? My question still has not been answered ; How does XXXX XXXX verification have more authority than the United States courts?
I made a {$300.00} payment through my Chase Bank XXXX service offering transfers. The recipient was a scammer and I called my bank to report the fraud.

My bank said they would try to recover the funds but there was nothing else they can do about the fraudulent transaction.

As a trusting consumer and loyal customer to my bank, your bank should not offer any services that are not backed up or protected by the bank.

As a consumer, I trust that any service your bank offers should be protected and safe, I mean it's your bank.

The transfer went from one bank to another so it should be protected.
XXXX   XXXX   XXXX  t Date   XXXX    31,2012 Amount   XXXX  This was taken to court. I had no idea the debt existed until I applied for a personal loan. I then contacted   XXXX   and that 's when I was told by them it was in collections and what it was actually for! Do I have any rights here? I was never notified of anything. I happened to stumble across it! They will not take a settlement or anything and even though I do not feel I am soley responsible for this debt I would like to rectify it.
I opened a premier checking account with the bank on XXXX/XXXX/XXXX in response to a promotional reward offer send to me in the mail. As per the offer the bank supposed to credit the reward of {$350.00} on XXXX/XXXX/XXXX. But to my surprise the bank credited only {$100.00}. I sent an email to the customer service and they said this kind of problem has to be taken up with the person at the branch where you opened the account. So called the bank ask for XXXX XXXX. I was told that XXXX is coming only at XXXX. I called at XXXX then I was told he is coming at XXXX. Again I called at XXXX and spock with XXXX. He said he will get back to me but he never did. I called him again in the afternoon then he said it will be credited tomarrow or early next week.The credit did n't come to my account until XXXX/XXXX/XXXX and I was frustrated on this matter and I closed the account.
SYNC Lowes has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
File Number XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX : File Number XXXX The inquirys was not authorized to be put back on my credit report here 's the reason why, Not too long ago TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit reports! Now, here 's the deal, TransUnion failed to follow the LEGAL procedure to actually do so PLEASE REMOVE FROM CREDIT REPORT THANKS!
I signed up for XXXX XXXX XXXX received modem via the mail- upon installation, the equipment was inoperable. Contacted XXXX, and they sent out a technician who could not fix the issue. Never had working service- became dissatisfied with the company and switch to XXXX . XXXX billed me for the month I had no internet service. Contacted a representative from the company who indicated that they would resolve the issue. Upon reviewing my credit report, discovered that not only was it, was not resolved, it posted as a derogatory account.
Received collections letter from Midwest service bureau regarding alleged debt, asked debt to be removed from account, no verification of debt was provided
I was asked to send my email address to receive tickets to an event and upon receiving the tickets I would send payment. However payment was taken from my account via XXXX and my bank will not reimburse me for the stolen money.
I have a long history of dealing with Williams & Fudge. 
They have impersonated police officers & lawyers, and threatened me with arrest. 
As such I have sent them letters - plural - instructing them not to contact me by phone, and filed prior complaints with the FTC regarding these practices. 
Tonight at XXXX I received a call from their office in XXXX XXXX, South Carolina, phone number XXXX. 
When I pointed all of these facts out to their representative XXXX XXXX, she responded that they had never communicated with me before, and then hung up when I asked to speak to her supervisor.
I checked my credit report after paying off two accounts that stated I owed monies on them and saw that the two accounts that were paid in full was still on my credit report. The accounts are XXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$1100.00} and XXXX XXXX XXXX XXXX in the amount of {$80.00}, these accounts were paid in full and are reported still on Experian, XXXX and XXXX. I would like these accounts to be removed as they are impacting my credit report negatively as they have been paid.
My dispute is against Caliber Home Loans. Caliber used to service my mortgage loan, but it has since been traded to another company. I was reported late in 2014, once in XXXX and once in XXXX. I have spoken with them and they stated they would research and resolve the issue, but to no avail. I 've sent them supporting evidence, but to no avail. XXXX is the only agency reporting this derogatory information. It is my right to have my credit report match. Please note, I had n't missed XXXX payment prior to this loan being transferred to Caliber. I experienced many issues while they held my loan.
In XX/XX/XXXX we went through a mortgage modification on the term ONLY with Seterus, same origination date, same loan number. The loan originated in XX/XX/XXXX and was for an original amount of {$340000.00}. The modification documents reflect that the ORIGINAL balance was {$340000.00}. From XX/XX/XXXX to XX/XX/XXXX this is what was reflected on all three credit bureau reports ( XXXX/XXXX/XXXX ), an  original loan amount of {$340000.00}. As of XX/XX/XXXX Seterus began reporting an original loan balance of {$260000.00} ( the balance at modification ), effectively making it look like we had paid little or nothing toward the principal of the loan and this is impacting our credit scoring for future refinance or other loans. 
In XX/XX/XXXX, I corresponded with Seterus and they refuse to report the data correctly. 
XXXX XXXX servicer guidelines and Consumer Data Industry Association both address the correct Original balance amount is the beginning loan amount not the new modified " starting balance ''. Our credit reports/scoring mentioned that the high balance/original loan amount impacts the score.
My name is and I find that Amazon.com Rewards card billing practices are deceitful and confusing. I contacted the company in the middle of XXXX to notified CHASE that I lost my wallet and as a courtesy would they please cancel the late charge and I would make both payments in XX/XX/XXXX. I was told by the customer service representative in XXXX that this information would be included in my account and I would not be charged the late fee. I recently made a {$60.00} payment in XXXX and was given and overcharged {$25.00} for not including {$4.00} in the in the {$60.00} payment. I 'm now paying a {$35.00} late fee for {$4.00}. This is usury and I can not afford this payment. I called Amazon Chase XXXX/XXXX/2016 and explained this to XXXX who only brushed me off and continued to insist that I pay the {$35.00} late fee. I was cancelled out of XXXX late fee only to be billed with another XXXX. I think this is not fair and of un sound business practices. Please help me because Amazon Chase is tryin to rip me off. My account number ends in XXXX. Thank you very much for your help! XXXX XXXX
Per the XXXX XXXX XXXX XXXX, and the reporting responsibilities of data furnishers under the Metro 2 format, it is boldly stated on page 4-7 " Do not report the Social Security Number, in whole or in part, within the Consumer Account Number. '' Conduent ( formally ACS who is still reporting as ACS ) has my partial social security number reporting as my account number and has been doing so since 2006 ( proof attached )! This is a blatant violation of the CIDA, and standards of Metro 2. Furthermore, the account is not reporting the correct type of account, account name of creditor, correct address for disputes to be sent too. This account reporting is not only violating FCRA law but Texas Finance Code section 392, reporting requirements advised under the CIDA, and the CFPB. Either the account is corrected immediately, or it must be deleted.
I was unemployed for the past 4 months. In that time I was unable to make my monthly payments and called Navient several times to attempt to make some kind of payment arrangement/postponement to avoid my account becoming past due/delinquent. XXXX sympathy and XXXX payment arrangement options were available. I got a job a week ago, called today to make another attempt to bring my account back to current. Spent a total of XXXX mins. on the phone being transferred around!!! Not even waiting, simply being transferred. Only to be told that they ca n't do anything for me this month. I am now working 12-13 hours a day and now have to find a time to call back next month to set up payment arrangements since that is when I will be able to start making payments again. Navient is a Mega corporation -- they ca n't postdate a payment for 2 weeks from now because it 's the wrong month?!! Every other company I have any interaction with does! 

In addition, the reps all have given different and contradicting information every time I call. One rep will tell me I 'm available for this program and not that one, and the next time I call I 'm told I am ( without anything having changed with my financial situation ). Also, one rep told me I could not change my payment dates when I asked to move my due date to the XXXX of each month because the XXXX was too difficult to manage since it 's only two days after paying rent -- today I called, and the rep I spoke to said I could do that no problem. That is a not so minor detail that could have saved me many late payments in the past. These guys are pure evil. They do EVERYTHING to set you up for failure. Not to mention that now my credit score is ruined and I owe $ XXXX then what I originally borrowed just from the interest they are charging me. I do hope karma exists.
I received an unsolicited credit card from CBNA/Sears and it shows a balance of {$67.00} that is now showing up in all three credit bureau reports as a new account. I received the card in the mail and called them immediately to cancel it. They told me that they did. I did not apply for a credit card, I did not purchase anything for {$67.00}, so this is a fraudulent transaction.