WillisBack/dataset-financial-user-claim huggingface dataset:
I had a XXXX bill from a former employer for {$500.00}. plus do n't remember the exact amount XXXX and clark county collections XXXX aquired the debt. i made payments and notified them that I was switching jobs and when I received a check the next month, I gave them a payment and have paid them every since. they are charging me an extra {$600.00} to {$800.00} on the original amount. I explained to them in the beginning that I was a XXXX worker and my work varied they said they would work with me but they have not.
hi i have 2 hard inquierys on my transunion credit agency,  the company is XXXX they are located in XXXX florida, the first inquiry was from XX/XX/2016, the second inquiery from XXXX was XX/XX/XXXX. on my report it says XXXX / XXXX XXXX XXXX XXXX , i first called XXXX about it a month ago and they said it happens qll the time and the couldnt fix it and said to call transunion which i did and they said they couldn fix it untill i got a letted of deletion from XXXX, so i call XXXX to get deletion letter and they said that they dont have a XXXX XXXX credit card division or no affiliation with that copany, now mind you i researched this company and they have well over 100 accounts dealing and specialising in this area, i asked XXXX how coudn he even know every credit card affliation of this company and he said he was positive there wast one and told me to call transunion to take it off and they said no, not without the deletion letter so you see i fedl like im stuck between a rock and a hard spot cause they both wont help me aw you see so if you can help me get this resolve i would appreciate that, so when it comes down to it if XXXX  is truthfull then the very least since transunion is the reporting crexit agency i think they should bzle held responsible for removing it. and just so you know i did n9t apply for credit and or autherize anyone or approve anyone to hard pull my credit ; thanks
states debt collection is on behalf of XXXX, but have no debt with XXXX believe that XXXX is either scamming or cheating for money not owed
Bank of America closed my accounts without reason or explanation I 've been a customer in good standing since 1990 and am willing to give any information that will help to get to the root of this unfortunate error. I treat my relationship with the bank with great respect and also am a XXXX for many branches in XXXX XXXX. This situation is very important for me to resolve.. Thank you, a XXXX XXXX
After 20 years with USAA, I am suing this piece of XXXX company for BAD FAITH, BREACH OF CONTRACT AND UNETHICAL BUSINESS PRACTICES. 
Never late with any payments, never had any claims on any house or vehicle in 20 years. 
Directed USAA to place my secondary car into " storage status '' in XX/XX/XXXX as it was replaced by my primary car. 
This conversation was recorded by USAA. USAA continued to bill my auto policy at FULL COVERAGE for over 5 years until it was sold in XX/XX/XXXX. I asked for a refund due to USAA 's negligence to place the car into " storage status ''. They refuse. 
After making no changes to my policy for years, I spoke with an agent in XX/XX/XXXX to drop a driver from my policy. During that recorded phone conversation, the agent persuaded me to drop the comp/collision of my son 's car and to either drop or reduce the comp/collision on my primary vehicle. I reluctantly complied due to the persistence of the agent, raising my deductible from {$500.00} to {$1000.00}. 
Two weeks after being persuaded to make this change, my car was vandalized, causing nearly {$2500.00} worth of damage. I immediately provided the Sheriff 's report to USAA. The assigned agent directed me to either take the car to USAA 's preferred repair providers or to choose a repair shop closer to my home. The shops that USAA recommended have horrendous reviews, so I obtained four estimates from shops that have excellent ratings and reviews. 
After repeatedly calling my assigned agent without being able to reach him and without any contact from USAA, I finally asked for a supervisor. The supervisor stated my claim had been closed. 
The claim was reopened and the supervisor stated that I could not take the car to a shop of my choosing, contradicting what the agent directed me to do. 
Due to USAA 's agent persuading me to change the comp/collision deductible two weeks prior to it being vandalized, I requested that the deductible either be reduced to the original {$500.00} or to waive it completely as the damage was through no fault of my own. USAA refuses to do either. I asked to escalate this issue to the Underwriters to have the deductible waived or reduced. The request was refused. 
Three days after speaking with supervisor XXXX, I received a notice from USAA that my auto policy rates would be increasing because of the vandalism claim on my vehicle. 
The horrendous customer " service '', refusal to investigate the overcharges related to my vehicle that should have been on " storage status '', the agent persuading me to change the comp/collision deductible, refusal to honor the original deductible or waive the deductible, and then raising my rates due to this vandalism incident are disgusting examples of how NOT to treat a long time customer.
I had the mortgage co make a big mistake on my mortgage so they sent a letter out to all agencies to remove any negative marks for XX/XX/XXXX and XX/XX/XXXX as is shows on both XXXX and trans union! This went out in several months ago and i requested a new one today so i am attaching both my letter and a copy to show the lates they are reporting in error!
I filed an official dispute with Experian on XX/XX/2016. I stated that XXXX XXXX XXXX, a creditor on my file, has misstated my current account status. I supplied a current statement that verify the account status as " current ''. My previous account status was " Charged Off ''. XXXX has allowed me to bring my account back to a " current '' status. I want my credit file to reflect as such. On XXXX XXXX, 2016 Experian return my dispute and stated that the Charge off Status will remain. I am not asking for anything more that my credit file reflect my current standing with XXXX. Experian has not provided any further information to explain why they have decided not to update their files.
We provided all the documents they need to refinance our home mortgage. Home appraisal was done from our pocket. We were very upset about the XXXX months waiting for this home refinancing. We just wanted to rate the service of XXXX XXXX XXXX # XXXX as very, very poor and we would like to file a complaint about our experience ; very poor in communication! My husband called the secretary or assistant more than XXXX times and left a message all the time XXXX and also called XXXX 's cellphone so many times but no reply at all. We highly expected that they could help us with our loan because we were struggling financially and we were living paycheck to paycheck and hoping that they could lower our monthly payment and it did n't happen at all. All we want is their communication if they 're still going to process or not. We have waited for nothing! The money that we spent for home appraisal was wasted. And without them knowing, we paid late payments for our home mortgage and other bills because we 're expecting that it will be closed soon. We have an option to look for another banker or lender, so it could be done as fast as XXXX days. But simply informing us that they ca n't finalize the loan is an easy task to do but we did n't hear anything from them at all. Even my questions, worries and anxieties were not answered at all ( especially those bills that came regarding supplemental tax bill and updated home insurance ) which were already late too. He do n't have a heart to help others! We wasted a lot of money and time for nothing!!! They keep on giving us promises that it will be close by XX/XX/XXXX, then XX/XX/XXXX and now around XX/XX/XXXX or XX/XX/XXXX.
I am concerned that someone may have attempted to open accounts under my name. All security questions asked when I requested my report were not applicable to me and once I submitted this is received notice that my reports were unavailable due to security reasons.
I have disputed the following accounts with Experian on numerous occasions : XXXX XXXX XXXX ( XXXX accounts ) and XXXX XXXX XXXX XXXX ( see attached documentation ). The XXXX does not belong to me yet this bureau continues to report this inaccuracy. This reporting is in violation of my consumer rights. I have furnished them evidence that proves the account belongs to someone else and not me. The XXXX has reported incorrectly since it was placed on my report. How does a collection account have terms. I never entered into a contract with this company. Additionally, how does a collection account have a past due amount. I never entered into a contract with this company nor have I ever did business with them. This account is reporting as though it is an original creditor and I have never did any transactions with them. I have brought this to the attention of Experian on numerous occasions, yet they still continue to violate my consumer rights and report this inaccurate information.
I recently ended a Ch. XXXX bankruptcy and have been trying to bring my mortgage current or have it modified. I attempted to make payments on the loan on line but was restricted from doing so and was advised that as soon as they audited my Ch. XXXX payments they would notify me with a total and help make arrangements and until that time they would not be able to process payments on the account. 
I was sent the updated total by mail and attempted to contact them by phone. I have made many attempts to contact them at the number they provided, but have either been disconnected by their automated service while entering requested information or when I finally reach a operator they ca n't " hear me '' and disconnect. I have also attempted to make phone appointments with them via their website but am told my " session has ended '' when I click the submit button. 
Today they served me with a foreclosure notice and I have been once again been attempting to contact them for the last several hours with no success.
On XX/XX/2018 my account was charge twice for the amount of {$110.00} and {$170.00} from XXXX. The valid amount is {$110.00} and the invalid amount is {$170.00}. I have called both parties XXXX and chase for a refund. XXXX said they wont be able to do anything and I must called chase I then called chase and they had said they will place a temporary credit of {$170.00} which I never received. I called chase again today XX/XX/2018 and I only received attitudes and was told they cant do anything at the moment. All I want is my amount of {$170.00} I dont have anything to feed my kids or myself Now because of this. 
Thank you, If you can please help it will Be very much appreciate
Good Evening ; I'm in real shock right now because how is it possible on an account that was reported closed over a year ago, showing now last month that I was 30 days late. Also, look at the attachment how they are reporting wrong information with different credit bureaus such as the wrong date of last activity ; missing account type detail ; wrong comments ; wrong date of last reporting, etc. I went ahead and highlighted them line by line in RED, as you can see there are several and multiple inaccuracies.
I went into  Title Max  ; dealt with  General Manager ,  XXXX , who said he could not do a purchase of a car unless the title was switched immediately. I do n't know if that broke company policy. With the closing it was all done electronically. I did not get a chance to read the disclosure or get a copy of it before leaving ; so I had no rescission period at all.    Two w eeks later when I printed and read the documents the interest rate was over the top.   When payments were due  XXXX  kept calling me at my employment ; I told him I could lose my job if he continued. I was forced to change my number. I was also forced to payoff the loan with the enormous interest rate and the chance of losing my job. I had a friend borrow the money. I paid off the loan on   XXXX   XXXX   XXXX    . Its now   XXXX   XXXX   XXXX   and I still never received the free and clear title that was to be expedited on   XXXX   XXXX   XXXX    .  Title Max bl amed it on  XXXX  and it was  Title Max 's fau lt.
I settled the debt with a lump sumpayment XXXX direct withdraw from my checking account
My mortgage company incorrectly reported my payment history as XXXX days late to all three credit bureaus. I am currently XXXX days late, not XXXX. I am requesting this information be corrected immediately. The entire reason for my payments that started falling behind was because Roundpoint did not pay our Homeowner 's Insurance despite it being escrowed. In order to avoid our policy not to lapse, we had to pay our of our pockets. Roundpoint took almost 2 months to rectify their mistake and reimburse us for the error.
I applied for a XXXX Preferred Guest ( XXXX ) AmEx card on their website where it stated that I would receive XXXX points upon the XXXX purchase, and and additional XXXX points if I spent {$5000.00} within 6 months. I was approved for the card and fulfilled the terms stated on the XXXX/AmEx website. 
I noticed that these points have not been applied to my account, so I called AmEx. They said it might be that I did not qualify for the promotion although this was never mentioned to me when I applied. 
If I did not qualify, it is AmEx/XXXX responsibility to make this explicit to me at the time of application, otherwise I would not have applied for the card. 
I expect AmEx/XXXX to honor the promotion upon which I applied on their website, and deposit XXXX points into my XXXX account.
I recently logged on to Equifax for my annual free credit bureau report due to the recent security breach. 

First of all, I previously placed a customer statement on my file. I stated that I am an identity theft victim and to contact me directly prior to issuing credit. In addition, I requested that my social security number and driver 's license be required in order to extend credit in my name. This statement is no longer on my credit bureau. I never removed it. 

Second of all, they are still reflecting an unpaid tax lien on my credit bureau report. I have repeatedly provided them with the documentation to show it was paid. Moreover, it is not reporting on my XXXX report and XXXX reflects it is paid. I am providing a copy of my XXXX  report for your records. If these two credit bureau reporting agencies can manage to get it right, Equifax should be able to get it right. Good grief. 

This is probably the 3rd or 4th time I 've needed to report Equifax in the last several years for these types of problems. It is getting old. Please intervene and require them to update my report to show it is paid and to place my consumer statement back on the report.
I am attaching a copy of an updated deed to show that the ownership has been updated to include my wife and son. There is simply no excuse for refusing a modification process in the past, and now there is more than sufficient income to validate a modification with a forbearance agreement. I am also requesting a fully detailed qualified written request, under my rights with the Fair Debt Collection Practices Act. My attorney XXXX XXXX, XXXX. has been notified by Ditech that an investigation of my file is ongoing. However, I believe that I was discriminated against as a member of the XXXX XXXX. I request a full review and approval of my forbearance/modification request.
My car was repossessed in XXXX 2016. When I called Ally to find out how much it would cost to have the car returned to me, I was told that it would cost {$1500.00}, and specifically told that this included the XXXX payment, and applied as follows : XXXX thru XXXX payment - $ XXXX XXXX payment 377.81+ Late fee XXXX {$1500.00}. Ally now says that I 'm late on my XXXX payment because they applied {$400.00} to the Redemption Center. I 'm complaining because it was never disclosed to me about the Redemption Center fee, and because I did not follow the instructions to have the money wired to them, but rather mailed a cashier 's check instead to the usual payment location, instead of to the Redemption Center.
I have disputed this with both Experian & XXXX XXXX credit. I have inaccurate multiple late fees showing on my credit report in XX/XX/XXXX. After months of disputing this with both companies the late fees were taken off and then added back the next month. I had no knowledge or written letters sent to me saying they were putting these late fees back on my credit report. I disputed it again & asked for proof of this inaccurate info from the company. I was given no information. It was deleted again. For the last time, this card is paid off & I am demanding to have these late fees deleted or the entire card deleted off my credit report. This is absolutely ridiculous that someone has to keep battling over inaccurate information with this one credit bureau. It is also a violation. Please remove the late fees or delete account from my credit file.
Equifax had a security breach wherein information was stolen, which could include SSN, names, birthdates, addresses and possibly DL numbers as well.
OK, these people sent me an email teling me that I was approved for up to {$10000.00}! So I needed some cash to pay XXXX of my bills, but they said that they started from {$2000.00}! Anyway, I think some kind of way that they set me up cause they called them Check ' N to Cash! They were very suspious cause they told me to go to XXXX and get a XXXX to send the {$490.00} that they had put in my account! But they would'nt do it cause they said it was fraud cause I did'nt know who they were, and they did'nt let me get it! So, they told me to get a I tunes gift card and send them the money back on that! Anyway, I did that cause they said that they would deposit the rest of the money! So I did'nt know that they had already deposited some more money in my account! But something happened and my bank put a hold on my account and they said that it was fraud! So they closed my account because of that mobile check for {$920.00} that they had deposited in my account! And then I found out that they tried to come back and get the first {$490.00} that they had deposited in my bank while my account was closed! So thats why Im filing a complaint cause they committed fraud some kind of way because of them closing out my bank account behind this and they said that it was fraud!! Thank you very much, XXXX XXXX
Equifax refuses to update my credit file. XXXX XXXX forwarded an update on XXXX/XXXX/15 to Equifax but they refuse to update my file. Equifax does not respect the CFPB and each time I complain about Equifax to the CFPB, Equifax responds that they need 30 days to research. I am not sure why you would need 30 days when the creditor provided you with an update. THIS HAS TO STOP EQUIFAX SHOULD NOT BE ALLOWED TO OPERATE IN THIS MANNER. In the last two weeks I have been denied credit for home owners insurance, line of credit and new vehicle.
I am a XXXX-year-old veteran. I live in Arizona. I have a safe deposit box at a local Chase bank. The safe deposit box is free to me because of the problems Chase has had handling veteran 's issues in the past. I would like my son to be on the list to have access to my box if something should happen to me. My son lives in Texas. 

Today I was told by my local Chase bank representative that Chase has a policy that my son has to be present with me at the bank in order to sign the forms for access to the box. In the past, I could have sent the forms to him to fill out. He could get them notarized and send them back. A federal credit union near me has a small card I could send him if I had a box at their facility. My son could sign it and send it back. I do not have a safe deposit box at their facility because it would cost me money. 

Now, my son would have to fly to Arizona just to sign the card. It doesnt make sense to me and the Chase bank representative could not give me a good reason for it. 

Is there anything you can do to help me get the forms signed without having my son spend the money on a flight to XXXX just to sign the card?
On XX/XX/XXXX I received a credit card offer from USAA for a USAA XXXX XXXX credit card with various temporary benefits. The offer was to expire on XX/XX/XXXX. On XX/XX/XXXX I applied online for the card. I received a call from USAA within the hour informing me that I had frozen my credit and would need to allow them access to XXXX in order to complete my application. I immediately obtained a one time pin number from XXXX allowing USAA access to the needed credit report. I called USAA and provided them with the pin number. On XXXX I received a denial online with the reason being an inability to obtain a credit report. On XX/XX/XXXX I obtained a 2 week lifting of my credit freeze from XXXX and attempted to reapply for the card. The offer was no longer available online, so I called USAA to reapply. The representative said she would look into the situation and called me back to inform me that once they had denied my application that offer was no longer available. I advised her that it seemed like an odd decision since the error was USAA 's. On XX/XX/XXXX I received a new offer online for the same card with the same benefits, but the offer was not available to me when I attempted to apply that same day.
I have been trying to get the inquiry 's off I have been calling and sending letters and still no answer I would like them to be removed because I did n't apply or inquiry about any of them
An entry was deleted by my TransunionXXXX and XXXX credit reports. The account was held by XXXX XXXX XXXX XXXX XXXX this debt was originally with XXXX XXXX and removed it then has been sold to XXXX it was removed and has now reappeared. I wrote to Transunion and XXXX about this collection and no response and nothing has been done. It seems very unfair that a debt can be removed and reappear reaged, and also with another company to disguise it.
I have received multiple phone calls to the point I have had to block this collection agency. During the initial phone calls I requested via telephone that a validation of debt letter be sent to me asap as I do not have knowledge of that debt. I was told by the representative that a letter was sent to me weeks and weeks prior. At that time I told the representative that I had not received it and would they please send another. I could tell by the conversation that they would be a little uncooperative so I asked to speak to a supervisor. The supervisor came on and I requested a address to send correspondence to because I was sending them a request for validation of debt. I did in fact send that to them and have received nothing in return. At this point they are in violation of the FDCPA and I would like this to me looked into. At this point I want this account deleted from my credit report as it is causing issues with me requesting credit.
Navient does not report to the credit bureaus on a consistent basis. I have been making automatic, ON-TIME payments to them since XX/XX/XXXX, and they reported those good payments from XX/XX/XXXX to XX/XX/XXXX. Then the next year, to XXXX, XXXX and XXXX, they reported my XX/XX/XXXX payment and nothing else the rest of that year. In XX/XX/XXXX, there were no payments reported until XX/XX/XXXX. They did report XX/XX/XXXX, and so far I do see that XX/XX/XXXX has been reported on time. I am asking that they report my on-time payments from XX/XX/XXXX and XX/XX/XXXX to the bureaus for me so that I may continue to build and improve my credit score.