WillisBack/dataset-financial-user-claim huggingface dataset:
Since XX/XX/XXXX XXXX XXXX XXXX has continually labeled my account as 30 days late when, in reality, I only ever missed XX/XX/XXXX and XX/XX/XXXX payments. I have always paid them within 30 days of the due date. I am more than frustrated with this company. They are never there when I call and when I email they will never help me but, instead, tell me to just call. They have tried to push the blame on me and my insurance agency when I have documentation that they are the ones who are difficult. When I was in an accident that deemed my car a total loss, XXXX completely stopped talking with me when I inquired on what to do. They have also continently lost/never received my emails inquiring about this. They have already marked my account as late for XX/XX/XXXX when I paid the bill I received for XXXX dollars before the due date. I also Paid my account in XX/XX/XXXX and they still marked it as late. Before my accident they were always on me when I was past the due date ( i would sometimes have to have a week or two after the due date, but never 30 dates like they are reporting ), but as soon as they received a check from my insurance for over 6 thousand dollars they completely stopped talking to me. They also did not inform me that receiving a check for XXXX would not count as a car payment.. even though it should. It paid down my account quite a bit. They are RUINING my credit and I want them to stop.
This account has been disputed multiple times due to the inaccuracies in the reporting with the company XXXX. It is showing I have past due payments in which I have never made a late payment. However, there was an incident to where my car was totaled and I was awaiting gap payment. The payment was held up due to XXXX being I constantly called the company as well as my insurance provider to make sure the car was paid off before my due date in which the company kept telling me they are waiting on paperwork from my insurance company who sent the paperwork multiple times. At this time my payment was made and I had a month to get things taken care of. By week 3, after continuous conversations with both my insurance company and XXXX, my insurance company wanted to call the company with me on the phone to verify things as they stated payment is set upon response from XXXX. While calling XXXX with my insurance adjuster, the company stated they didnt get the paperwork in which my adjuster notified the rep of the numerous times and dates  paperwork was sent as well telling the company they are just waiting on the proper paperwork to pay the debt. I explained to the XXXX sales rep that my payment is becoming due and voiced my concerns of the paperwork being delayed intentionally after the rep just so happen to find the paperwork. Because of the delay in the companies efforts to get the account paid the account was paid a week after my due date. I dont think I should be penalized for the companies lack of effort especially when I was on top of things. Im hoping the company can review call logs and conversations and see that I tried to get this solved. Also, I am sure I can obtain a copy of my insurance adjusters notes from the case to verify our conversation because I asked her to note the conversation.
Wells Fargo is charging me for XXXX overdraft fees instead of just XXXX. On Friday, XXXX/XXXX/16 at approximately XXXX, I had approximately {$1000.00} in my checking account. at around XXXX when I checked again, XXXX items had come in electronically. XXXX was for {$20.00} XXXX return fee, and XXXX was for check # XXXX for {$36.00}. That left me with a balance of approximately {$990.00}. When I checked my account again at XXXX, the balance was still at {$990.00}. I checked my account again at approximately XXXX check # XXXX came in for {$1400.00}. That would cause my account to overdraw and leave me overdrawn for {$430.00}. 
I made a deposit on Monday Morning for {$340.00} which should have left me overdrawn for about {$92.00}, Well Fargo charged me for XXXX overdraft fees of {$35.00} each which left my account overdrawn for {$190.00}. I should only have been charge for XXXX overdraft fee for the check that came in for {$1400.00}, not for the XXXX items of {$20.00} and {$36.00} which came in in the morning when I had {$1000.00} in my account,!! 
Wells Fargo does this all the time, and it is called " re-ordering '' meaning how they process things for payment so they can maximize overdraft fees!!!!! You could also look at this case as a " high to low '' checking incident. I want to know how a bank can charge you XXXX overdraft fees, when clearly the XXXX electronic items that came in in the morning were covered by the funds in my checking account!! 
I am willing to pay the {$35.00} fee for the check number XXXX for {$1400.00} which caused the account to overdraw, but not for the other XXXX. I want {$70.00} returned to my account. 
I wrote to Wells Fargo about this, and got the usual explanations about how they process transactions, which makes no sense ( except to them )! 
They have now passed my case to their executive office. 
Why are they allowed to do this? 
I believe that they were sued about this, yet it continues!! 
Why are they allowed to charge fees of {$35.00} for overdraft, when it clearly does not cost that much!!! 
I am grateful to them for covering my checks ( most of the time ), and I am willing to pay the fees for that, as I have in the past, but I am not going to pay fees to cover items that I had money in my account for at the time they were presented. That is criminal. I do not know how they can do this, and have been allowed to do it. 
I am a XXXX XXXX XXXX woman who works XXXX jobs to support myself and my XXXX XXXX XXXX XXXX mother. I can not afford these fees. I am paying out of my own pocket at least {$200.00} per week for a caregiver for my mom while I am at work. 
I need this money returned to my account, and I am turning to The CFPB for help with this. 
This practice needs to stop. 
Thank you, XXXX XXXX
Experian, I express concern how supervisor was rule, disrespectful, hing up, and over talk you on the phone. They disregard chapter ( XXXX ) bankruptcy. Experain continue to report my credit the same way like the bankruptcy does no matter. The supervisor was rule to I asked to be transfer to the department the handle bankruptcy he no me know I state that they sensitivity training, some comments to me was offensive. Then turn hung up the phone, XXXX, only put file to be trainfer to his phone. The n also sending me a bias letters in the mail. Experain is have cause me to not have access to credit also to pay high interest rate. They disregard my bankruptcy also reporting in formation over ten year old.
Went to Citi website and was pre-approved for selected offers after filling out my information, also I had received pre-approved emails for Citi ThankYou Premier Card and Citi XXXX XXXX cards. 
My credit is excellent, and I applied and was asked to verify my address, but that " everything else looked good '' I was told on the phones by the underwriting department. 

I sent in the necessary verification, and was later told I was denied due to inquiries, which they would have known during the pre-approval and offer process and should not be a deny reason. Please help! These inquiries have now tarnished by credit and they have not fulfilled the offer as agreed.
I received a {$300.00} payday loan from XXXX XXXX XXXX and have now made 4 payments on this loan. I called to find out the balance to pay off this loan and was told it was {$310.00}. This turned out that only {$15.00} was going towards the principle amount and the other amount I was paying was for fees applied on this small loan. I complained but was told this is how the loan payment works. This is insane and I want my fees returned or applied as paid in full. I will never borrow from this company or any other payday loan company.
The account was settled with CMRE I told them I needed an deletion and would pay the debt. I did yet the reported negatively in XXXX and have still not removed the debt from my Credit report
I had a bank account with Bank of America which was not closed for fraud it was closed because of a check that I received and deposited from my employer I gave copies of all the documentation to Bank of America regarding the check and where it came from they had no balance owed I owed nothingthey closed my account with a balance that they owed me and I see on my consumer report that they say I owe them money which is not correct several of my accounts got closed because of the wrong information that they have on my consumer report I want it fixed right away
Chase changed the credit limit on the account ending in XXXX in XXXX XXXX after stating that this account ending in XXXX should have been deleted from my credit file during an investigation by the OCC in XX/XX/XXXX. Yet, this account, which is my original Chase account opened in XX/XX/XXXX is still being reported as open and active as it should be, but was hidden from me until XXXX XXXX when I called Chase as to why they reported XXXX accounts when I only had XXXX, Chase admitted they had mirrored my original account ending in XXXX and would send me a letter and an apology. Instead Chase told OCC they deleted the call and did not send that letter, but instead sent a letter dated XXXX XXXX, XXXX stating that the XXXX account was still reflecting on my credit file and they were requesting it to be deleted. Afterwords I monitored my Chase credit accounts very closely through XXXX. I was surprised that Chase had changed the credit limit on the account they requested to be deleted. I filed another complaint with cfpb and the result shows on my current XXXX credit report that Chase is reporting this account open and active. Chase did not report to XXXX and XXXX my account ending in XXXX in my credit report all these years. XXXX and XXXX have incomplete information with my Chase credit account history for account ending in XXXX. Chase mirrored my XXXX account in year XXXX, hid it in my credit report without issuing me a credit card ending in XXXX and saying that it was upgraded and did n't exist. But, this account does exist as Chase is still reporting it open and active in my XXXX XXXX, XXXX credit report. I paid Chase XXXX payments {$7500.00} XXXX because I did not want my credit to be ruined because of Chase 's error. .I am attaching the letter from Chase dated XXXX XXXX, XXXX credit report dated XXXX XXXX, XXXX credit report dated XXXX XXXX, and XXXX credit report dated XXXX XXXX. I would like my credit report to reflect my credit history which I have worked very hard to keep in good faith and good standing. Chase needs to explain why they changed the credit limit on the XXXX account AFTER they requested it to be deleted from XXXX as stated in their letter.. Chase needs to explain why they did not report my credit card ending in XXXX to XXXX and XXXX, alll these years especially since they are reporting it active and open since XXXX with a long good standing history to XXXX. Chase needs to explain why they accepted all the payments I made to them on an account that was mirrored from my original XXXX account and not a real balance.
CREDIT PROTECTION ASSOC did not provide adequate verification for debt question. No documents were provided showing a contract or a signature
I received a copy of my credit report and there are inquiries on my credit that are not mine. Please remove these off my report as they are not mine. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I'am the XXXX XXXX of the XXXX XXXX tried to send {$400.00} to western union, however the name of the recipient was not the same as on the I.D., so i was trying to change the name using WU application " Western union cares complain '' from XXXX, which seemed ill be legitimate of those apps.I give my details to provide the transfer, I thought it was a genuine WU.I give my wife details and as a result, someone was able to collect the cash with a w rong provided ... .It was happen last XX/XX/XXXX i send the money and received by the unknown person XXXX XXXX ,2017.
Equifax allowed my credit information and report to be accessed by unauthorized parties via a loophole in the computer code, enabling the system to be hacked. Furthermore, they are only offering 1 year of free credit monitoring ( using their own company, mind you ), giving the hackers only a year before they can jump in and use my information. This is incredibly unsettling as I had no choice in Equifax actually having my credit report and now I can not trust anyone with my personal information. I wo n't even talk about how it took over a month for this breach to be released to the public and I also wo n't mention how some executives sold a lot of stock worth millions between the breach and the release of the information to the press. Interesting.
The loan company called me non-stop on my cell phone and my home phone. It was frustrating because I was paying on other loans and was not able to start paying that loan.
Experian- On or about XXXX XXXX I called Experian after receiving my credit report and noticed the extreme amount of inquiries on there. I asked them to remove them because I did n't give these companies authorization to run my credit. I was told they would n't remove them. The inquiries are as followed : XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
XXXX XXXX XXXX XXXX is False Report my Business Account of my employment. XXXX continue to report this on my personal credit report making false reports, late fees, and is discriminating against a person with a XXXX. My credit report has severally hurt me by a XXXX points because of XXXX XXXX XXXX XXXX. I have all documents to prove False Reporting against me. I have also reported a Investigation with the XXXX XXXX XXXX XXXX, Colorado Discrimination/ Fair Housing Act for XXXX, XXXX XXXX , etc. Please have this removed from my personal credit report ASAP. It is being reported on Equifax & XXXX Credit Agency. Please Help!!! ... ... .. Sincerely XXXX XXXX XXXX. XXXX payments are due every month on the XXXX with a 10 day grace period with NO LATE fee. I have all receipts of my payments. Never Been Late!! Business Account!!!
TransUnion is reporting an incorrect account status remarks from XXXX XXXX. 
XXXX XXXX should be reporting the following account status remarks " Closed by credit Grantor '' TransUnion is currently reporting account status remarks Chapter XXXX Bankruptcy. 
As of XX/XX/2018 i do not have a chapter XXXX Bankruptcy on file in my TransUnion Public Records. 

Please see copy attachment from my latest XXXX  credit report to see the correct reporting status from XXXX XXXX.
Experian mentioned that they investigated the information from XXXX XXXX   that I disputed and the disputed information was verified as accurate. 

Dispute : I did not subscribe to XXXX. My demand requires you to investigate every claim of impropriety on my credit report. It includes : 1. Contact with alleged creditor ; 2. Request for signature exemplar ; 3. If none is produced, please remove the derogatory information ; 4. Remove all hard inquiries on my credit report if NO signature exemplar is provided. 

This is a final goodwill attempt to have you clear up my record. 

This is a formal notice that this account ( s ) are disputed. Please note that wrong information is a violation of FCRA & FDCPA. 

XXXX XXXX XXXX/XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX AMOUNTS : {$540.00} ; {$300.00} ; {$540.00} ; {$1300.00}. 
XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX Remove these four credits information from my report. XXXX XXXXXXXX XXXX on Tel : ( XXXX ) XXXX was a billing company and a creditor mentioned by XXXX XXXX XXXX XXXX XXXX 
these accounts are not mine. It must be removed immediately. 

I need what was provided to you to show the medical bills are mine. Why are you believing them over me. I am disputing and they said is mine medical bills, then show me proof.
This is past the statute and should NOT be listed on my personal credit file Experian XXXX XXXX XXXX # XXXX please remove
Sun Trust Bank has been arranging it 's deductions from my account to result in overdraft fees. I have also been informed that it has done away with showing it 's customers a running balance, making it impossible to know one 's balance at any particular time or to reconcile one 's account. Such predatory practices have been instituted to directly increase the likelihood of customers incurring numerous overdraft fees. It is impossible to prevent such fees.
My loan was purchased by XXXX, the operational division of Nelnet. My payment was previously {$310.00}. They more than tripled it and put it on auto debit without my permission.
We received a credit report from Experion and it showed a judgement against us for {$190.00} from XXXX 2015. The judgement is from " XXXX XXXX ''. We have no idea what this is and feel it has been erroneously added to our credit report. Please investigate.
I have made several attempts since XX/XX/2016 to correct my student loan balances with Nelnet Student Loan Services. Nelnet is insisting that I owe a balance of {$84000.00} in student loans but is unable to confirm to me where the total balance accurred from. I have went to each University in which I attended, obtained the account summary that shows all the loans taken out during my enrollment, and provide the information to Nelnet. The true amount of of loans taken out excluding any interest is only {$42000.00}. Even with that proof, Nelnet is insisting that I have over $ 80k in student loans without any proof. Nelnet has reported this balance to my credit report several times which is impacting my credit score but has failed to correct my balance.
I have had a Kohl 's credit card for over 8 years and never had a late payment. On XXXX XXXX, XXXX I signed up for paperless statements. The website clearly states that when you sign up for paperless statements that you will receive an electronic statement via email. I never received any electronic statements or paper statements after this date. I did a search through my email server just to be sure I had n't missed them, and found only a handful of emails from Kohl 's, none of them being statements. Since this is a card that does not consistently have a balance I depend on statements to remind me to pay. On XXXX XXXX, XXXX I received a phone call from Kohl 's advising me that I had a payment due that was 60 days late. I was surprised by this and paid {$75.00} right then. I did n't think anything of it until I pulled my credit score from my credit union and saw that my credit score had gone down from XXXX to XXXX!
I rented a home from XXXX XXXX XXXX XXXX in XXXX XXXX. I paid a {$1200.00} security deposit, I was informed by my employer that I needed to transfer out of state in XXXX XXXX. I paid XXXX XXXX rent in the amount of {$950.00} on XXXX XXXX, XXXX. I informed XXXX XXXX XXXX XXXX at the first of XXXX XXXX that I would need to break the lease due to being transferred out of state. XXXX XXXX XXXX XXXX stated that I would forfeit my full security deposit as my early lease termination fee and I agreed. i vacated the home on XXXX/XXXX/XXXX and I received a email the following week from XXXX XXXX XXXX XXXX containing XXXX attachments. The first attachment was a letter dated XXXX/XXXX/XXXX stating that my security deposit had been forfeited for the early termination fee and to see additional attachment pertaining to additional charges. The second attachment with the breakdown of charges reflected these additional charges : {$300.00} for repainting XXXX rooms ( I was given verbal permission to paint these rooms and i had a professional contractor paint them. {$170.00} for rekeying the locks and a {$100.00} cleaning fee all totaling {$570.00}. The statement reflected my security deposit as {$950.00} which was not correct and leaving a the statement reflected i owed a total of {$400.00}. I called XXXX to dispute this matter and could not get the issue resolved. The rent credit for the 11 days that I did not occupy the home from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX in the amount of {$330.00} was not credited back to my account. I am not legally responsible for these 11 days due to the fact that I was not occupying the home. In XXXX XXXX I checked my credit report and found that a collection agency ( NCC Business Services ) had placed a account on my credit for XXXX XXXX XXXX XXXX in the amount of {$1700.00}. I immediately contacted the collection agency to dispute and I was informed to send a dispute to them via email in which I did. I then disputed this account with all XXXX credit bureaus providing proof of all written correspondence that I have previously mentioned in this complaint. The credit bureaus responded back stating that consumer disputes and this account meets FCRA requirements. I want this matter resolved and removed from my credit report.
Today I received a notice that said they were debiting my account {$72.00} for overdraft fees. I have tried to get them to refund these before and they have said no until I filed a complaint. They are taking advantage of me because I am  XXXX  and only making {$10.00} an hour.
Experian and XXXX alike has allowed XXXX XXXX XXXX to insert a derogatory entry on my credit report and this company did NOT provide any type of notice nor dunning letter to me. By not providing me a dunning letter, XXXX XXXX XXXX blatantly forfeited my rights under the FCRA as well as in their reporting under the FDCPA. I have never did any business with XXXX  XXXX XXXX. For this alleged debt, XXXX  XXXX XXXX needs to provide a copy of the financial responsibility page as well as an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date and complete accounting of alleged debt -- -All items I would have requested had they provided me a dunning letter that afforded me 30 days to dispute the validity of this account entry prior to forcefully and illegally inserting it on my credit reports. 

Additionally, there are other inaccuracies to duly note : Experian reflects a past due balance whereas XXXX  does not ( Inaccuracy ) Experian reflects an open date of XX/XX/XXXX and XXXX reflects XX/XX/XXXX ( Inaccuracy ) Experian reflect terms of 1 month and XXXX reflects nothing ( Inaccuracy ) XXXX   notes this is a medical debt and Experian notes nothing ( Inaccuracy ) Experian reflects a payment history of Negative for XX/XX/XXXX and there is no payment history reflected on XXXX ( Inaccuracy ) The FCRA establishes that any entry on my credit report should be 100 % accurate, verifiable and timely. The aforementioned errors prove that they are not reporting this entry accurately and too they infringed on my rights by reporting/inserting this derogatory entry without following the law.
I opened a line of credit with First National for {$100000.00} against my home equity they did n't properly process the paperwork and did not acknowledge that I had existing homeowners insurance although I provided all necessary information then insisted that I pay them {$1000.00} for insurance plus fees and interest and every time I proved through XXXX XXXX who have it multiple times on record, they would not acknowledge my insurance and continue to say I have an outstanding balance and threaten to put my home in default.
I have been trying for weeks to get my transunion credit report. I 've called and entered the info. I 've done annualcreditreport.com and they told me I could n't view it online. I 've tried the transunion website and none of them I 've been able to get a copy.