WillisBack/dataset-financial-user-claim huggingface dataset:
I had a short sale in 2010 I am trying to buy a house and I can not get US bank to get all three credit bureaus to say it was a short sale my loan office telling me in XXXX XXXX it is saying a pre-foreclosures I can not get a XXXX approval that is what she is saying XXXX I have contracted US bank sent faxes had many question been on conference calls over the last month about this I just want they told me they can not do nothing about it they only keep there records for 2 years, I just need help to solved this please I have the cash sale deed
I was contacted via postal mail to apply for an installment loan. I was approved for a loan of {$500.00}. I was told at first that only 8 installment payments of {$130.00} would be withdrawn from my bank. I've already paid 7 payments but according to them I still owe over {$400.00} and when I went to see the payment history only tiny payments are going toward the principal and larger payments towards finance fees ( It looks ridiculous ) i took a screenshot to provide you for evidence
I have contacted XXXX and Bloomingdales on several occasions sent them polices reports identity theft reports and a notarized statement and they still telling me they can not accept that. I did not open these accounts and I do not know what else to do
XXXX account appears on my credit report. I have paid off my account years ago and it was recently replaced on my account again. I do not owe XXXX. I actually over paid them. I disputed this account before and it was removed only to reappear months later. 

XXXX XXXX Opened on XX/XX/2017 {$170.00}.
I was customer with T mobile # XXXX XXXX promised to get a discount thru my company XXXX. OF XXXX % OF MY BILL .on the first year they granted, and the following they ask for probe that if I was still employ by the company I fax even my Pay stub and Denied .they did n't apply the discount .the bill came higher finally the block the phone .and they send me to Collection Agency before they came with amount of XXXX and I ask to explain why and if was possible to please mail detail letter with all the charges. And then told me not they will bring to over {$2000.00}. Because they argue the phone need insurance that I have never requested by the time they do suspension I owe them around {$500.00} for XXXX Telephone. 

Them I was paying thru XXXX XXXX XXXX .but they stop taking the payment next thing is they will put a lawyer. is not my fault that no one know who is collecting the money. 

And I really need help .I 'm willing to pay what is right .I ca n't pay for something I did not ask for I feel been Assault. By this Company. 

I do have all the Papers with the denial about my discount 's iknow for sure I do n't owe over $ XXXX.and to find out who authorize Insurance on phone. 

Please SOS WITH Companies Thanks in Advance. 

XXXX XXXX XXXX XXXX XXXX
Today this afternoon I received a voicemail from XXXX the guy stated that there was a lawsuit filed against me and to please call XXXX an the case number which included the last XXXX of my ss #. I called and a nice girl answers the phone and she knew my full name, last XXXX of my SS #. She then stated it was from a pay day loan XX/XX/XXXX for {$300.00} from 5/3 bank and XXXX XXXX. She says but now because of court fees and interest you owe {$1900.00}, I told her I do n't owe anything and if so everything was included in the bankruptcy. She said hold on let me check your bankruptcy, she said XX/XX/XXXX?, I said yes, she said sorry that was n't included in the bankruptcy. I told her well I believe so. She said that is a loan that did n't involve a credit check and was not reported to your credit report.I said ok and how much to settle and she said I would have to place you on hold and find out if the paralegal will allow this as they do want to take you to court. She then said you can settle today for {$710.00}. I said email me a copy off the charge I am being sued for, she said unfortunately I ca n't do that because we did that before and then someone changed it and put paid and when we took them to court we could n't do anything because it stated it was paid in full. Therefore you will be provided a copy when you fulfill the debt. She asked me for a credit card or debit card and I said I do n't have one and she said well I will give you until Monday to get a reloadable card. If you do not call back and fulfill this we will file this at your local county clerks office. So she said you are on a recorded call. I was so shocked and especially that they had perfect XXXX, not the typical XXXX accent. I guess they know now we are on them. So I of course started to XXXX the phone numbers and XXXX XXXX and I could n't find anything. I even XXXX 5/3 bank and who was their pay day loan company, still nothing. I then XXXX the XXXX area code and came up a few sites where people were talking about the scams they had experienced which were the same or similar to mine. I am so glad I found this site because I was like Monday I am calling my Paralegal and I am calling 5/3 bank and see if they are associated with XXXX XXXX. Then I told my husband about the call I received today and he said oh I received a call from that number today, but did n't answer the phone. The kept calling and they knew my name I was working and told them I was busy and I hung up. He was like that is a major scam no one that sues you or is attempting to sue calls you. You basically get served the papers. It so disgusts me what this world has come to. I hope they get these crooks ASAP.. They should be put to prison, sued, etc ... Leave innocent people alone ...
Creditor is Citibank. Creditor is reporting false information on my credit file with all 3 credit reporting agencies. Creditor is reporting " Credit line closed / not paying as agreed '' this is not true. I closed this account because of billing overcharges I was getting so I decided to close this account.
XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning of XX/XX/XXXX all payment went through XXXX XXXX as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XX/XX/XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XX/XX/XXXX or XX/XX/XXXXthey held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially XX/XX/XXXX in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information
AFNI is attempting to collect a debt that I have no knowledge of. I have never entered into any contract with AFNI. AFNI HAS NEVER CONTACTED ME IN WRITING OR BY ANY OTHER PROPER FORM OF CONTACT DEEMED FIT BY THE FCRA. It is my sincere request that AFNI immediately remove this account from each of the credit reporting agencies that it is presently reporting this negative information to.
On XX/XX/XXXX, I successfully settled with XXXX XXXX ( XXXX XXXX XXXX on all written correspondence ) for {$580.00} on a balance owed of {$830.00} ; I was sent a letter from XXXX XXXX XXXX showing that I owed a {$0.00} balance and that the debt was paid for less than the full balance. However, on my most recent credit report, pulled XX/XX/XXXX, I have a past due amount with XXXX XXXX for the remaining {$240.00}. If I have a letter stating that I have settled the account, and it is now closed, why is XXXX XXXX XXXX XXXX. still reporting the forgiven balance as past due?
On XX/XX/XXXX, I visited XXXX  XXXX XXXX in XXXX, Texas. The itemized medical bill was XXXX. The administrator asked how did I wish to pay. My response was via mastercard. The administrator asked it would be via insurance? I responded for a third time. It would be mastercard. 

The Administrator and nurse on duty presented me with an XXXX itemized bill statement. 

I asked on three other occasions if this was the bill in full and the Administrator responded yes. " This is the itemized cost per our charts. I then provided my mastercard to the Administrator and a charged of XXXX was bill to my card and I was presented with a receipt for my records. 

Within three weeks, I started receiving bills for additional charges. I have spoken with XXXX  XXXX on several occasions, and provided them with a copy of the paid receipt. The response was, " I don't know why they charge that price because it is not enough. 

I contacted my legal team and they drafted a letter of inquiry which XXXX  XXXX has refused to acknowledge on two occasions. 

On XX/XX/XXXX, I received a letter from a third party collection agency threatening to report the matter to the credit bureau as bad debt collection. I have attached substantiating documentation of full payment and all other pertinent documentation for your review and resolution before additional legal action is warranted.
Hello, I have contacted XXXX ( XXXX XXXX ) for my XXXX account repeatedly. There is a 30-60 day  late payment noted on my credit reports for XX/XX/2018. This account has never been 30 days late for the entirety that it has been opened. Payment is rendered every month by automatic payment from my checking month. 

I have asked XXXX, Transunion and XXXX to investigate the transaction and remove late payment from my credit report, but they have refused to do so. Instead, I get a general and copied and pasted response to my investigation requests. 

This notation is not correct and I would like the credit reports to do their due diligence and investigate and remove the notation from my reports.
In my most recent Experian Credit Report I viewed several accounts ( loans ) that I paid in full still reflecting as open. I requested Experian to send me my most updated Credit Report and as of today they have not complied with my request. If these accounts are not reflecting correctly on my Credit Report it is damaging my Credit Worthiness and Credit Score.
We are in the processing of taking out a home loan for a customer. On  XXXX / XXXX / XXXX , our customers credit was pulled and there was a collection company listed on their credit report that should n't be listed. On all   XXXX   bureaus, the account is showing as being disputed. On  XXXX   XXXX ,  XXXX , an attorney had sent a cease and desist to the collection company as this account had no legal bearing being placed on the customers credit report as well as filing a dispute to all  XXXX  bureaus.     On  XXXX   XXXX ,  XXXX , the customer contacted TransUnion,  XXXX  and  XXXX  to ask them when the account was placed in dispute. Each bureau stated that the account was not in dispute or never in dispute. The customer then asked when such comments were placed on her credit file and was told they do not have that information.     This collection account is affecting the customer ability to secure financing.
Bank of America sent notification that they reduced my credit limit from XXXX to XXXX. They cited generic reasons in relation to my credit report ; " recent delinquency on one or more of your accounts '' and " insufficient credit history. '' My account was one month past due in the amount of roughly {$50.00}, the entire account balance. Their customer service representative and manager refused to provide me with specific information as to why they reduced my credit limit by {$12000.00}, despite being a responsible credit consumer of their institution since 2003. I have excellent payment history and good credit. I feel that this action is excessive and has a disproportionate impact on my credit score. They refused to send it for secondary review and told me my only recourse was to request a credit line increase, which would further negatively impact my credit score.
Checked my credit report recently. There are many inquiries that are not from me. I tried contacting these companies to remove them but they were no help. Please help me remove this inaccurate information. Ive compiled pictures and a list of the inaccuracies. 



XXXX CREDIT/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX *****XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX CREDIT XXXX XXXX XXXX, AK XXXX ( XXXX XXXX XXXX *****XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX BYMAILONLY***** *****XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Reseller ) XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX *****XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX *****XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ******XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ******XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ******XXXX XX/XX/XXXX XX/XX/XXXX Retail, Not Elsewhere Classified XXXX BOX XXXX XXXX XXXX, SD XXXX BYMAILONLY****** ******XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY****** ******XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX ******XXXX XXXX XX/XX/XXXX XX/XX/XXXX Cable TV Providers XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ******XXXX XXXX XXXX & XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX XXXX XXXX ******XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX *****RENTAL PROPERTY XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Reseller ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ******ST XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX *****XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ******XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX These are not from me and have been applied by someone else by fraud . I will lock my credit reports after these are removed.
This company called me and left a voice mail on my phone, stating they were going to send XXXX uniformed police officers to my place of work, and said they contacted my place of employment and my place of employment stated to send to them to my house, I contacted my work and no calls had come in When I called the company they said I needed to give them my debit card number, I did not give it to them, They told me they were going to take legal action on me and I asked what my balance is they stated it was XXXX. My credit limit on my card is only XXXX,. I called my credit card company was was told it was only XXXX. I have already been to the police department here and was advised NOT to give them any info and to tell them that I had already contacted the police depart and that what they are doing is illegal and further action will be taken against them, This company was very rude to me and said if i do n't give them any money and dont give them my debit card number they will take me to court and garnish my wages, This has stressed me out to the point I could not breath and now I am scared for me and my family, This company needs to be stopped!!
A manual payment of was made ( on the due date XXXX/XXXX/XXXX ) to my Wells Fargo personal secured credit card because I had cancelled automatic payments. An automatic payment was still initiated on the same date - after my manual payment. Wells Fargo 's automatic payment non-cancellation mistake caused imbalances to my checking account resulting in additional charges to my other bank accounts and by creditors. 

When Wells Fargo was contacted about the mistake, they had no record of my automatic payment cancellation. When I cancelled, the phone representative did n't provide any sort of confirmation number ( which should be procedural ). Though if considered, my manual payment would confirm my understanding of the cancellation. 

Following many unsuccessful contacts by phone, call transfers and repetitive explanations to resolve the issues, I was forced to visit my local branch office in person on XXXX/XXXX/XXXX. Following another lengthy situation review with the branch representative, she made several calls explaining my difficulties then, put me on the phone again. The manager on the phone gave me a verbal promise that the correction would be made by Monday XXXX/XXXX/XXXX. Unexpectedly on XXXX/XXXX/XXXX, Wells Fargo closed all of my bank accounts ( including my personal accounts ), because XXXX of my business bank accounts had XXXX returned checks from customers. 

The secure credit card balance was below the secured deposit amount and should have been reconciled on the date the account was closed, rather than waiting to XXXX XXXX and the accruing of additional minimum payment charges growing from {$25.00} in XXXX to {$210.00} in XXXX XXXX. Upon Wells Fargo 's closure of all of our accounts, they held full control of our funds. 

From XXXX/XXXX/XXXX forward Wells Fargo has benefited, there has been little inclination for Wells Fargo to consider their customer 's experience nor their internal errors which caused a harmful chain of events. 

Wells Fargo has not corrected their procedures to provide a confirmation of automatic payment cancellation- for what may be disturbing reasons. 
These actions clearly point to systemic policies for generating more fees and profits. This ruthless and machine-like approach has nothing to do with true customer service nor with cultivating mutually beneficial, long term relations.
My son attended XXXX in XXXX, Utah. When he and I first talked with them about financing his education, we were informed that the total program would cost {$40000.00}, but he was given a scholarship from XXXX in the amount of {$20000.00}, which would leave a total of {$20000.00} that we needed to finance. 

I was given ParentPLUS loans, which we began paying before they entered repayment status. These loans have exceeded {$30000.00}. We just learned that my son also has Stafford loans that are approximately {$14000.00}, which he needs to begin repaying in XX/XX/2017. How can this be? That totals more than the initial cost of the program itself! 

XXXX is now closed for unsavory financial business practices. I believe my son and I are victims of these practices. What do I need to do to see about loan forgiveness in these circumstances? 

Any help you can give is GREATLY appreciated.
I filed a report last year to remove a debt in collection because I did not owe the debt. I contacted the collection agency and all credit reporting agencies. The debt was subsequently removed.   XXXX   XXXX   and the big  XXXX  credit agencies allowed the debt to reappear with a new debt thus re aging a debt that I do not owe and putting me in the same situation as a year ago requesting the debt to be removed from my credit.
On XX/XX/XXXX, I applied online for the Citi ThankYou Premier Card and was granted the account with a limit of {$6200.00}. I then received a social security verification from Citi saying my account was not actually approved, and they needed this paperwork back in the mail before approving and opening my account. However, Citi mailed me the card anyway. I called Citi and was confirmed by a representative that my account was not actually approved and there was a hold on my account until I returned this social security verification via mail ( they would not accept via email or fax ). I got frustrated with Citi 's communication and decided I did not want an account with their company. Therefore, I asked the representative what would happen if I did not mail back this form. I was then informed that this was a part of my application and if they did not receive this paperwork back, that my application would be canceled and would not be processed. I was assured that my account would not be opened and that after they do not receive this verification, that they would cancel my application. I received emails from Citi on XX/XX/XXXX and XX/XX/XXXX about online statements and activity on my account. I waited a few weeks to allow them time to realize I would not be sending it out and to cancel my account. I never used or spent this account. I called Citi on XX/XX/XXXX to understand why my account was showing open on my credit report as well as with Citi. I was then informed they still needed this social security verification anyway, and that my account was transferred to fraud department and investigations team. When asked to be transferred to them, they do not have a number. When I informed the rep the information the previous rep gave me about canceling my account, she confirmed that was not correct and to send in the paperwork so they could close my account. I told her I did not want my account closed, because I never opened one to begin with and I needed both Citi and the credit bureaus to show that I never had any account with Citi to begin with. She could not explain to me why I needed to confirm my SSN in order to cancel an application. She informed me that this paper was not part of my application, contrary to what I had been told by a previous rep. I was told that there was a freeze on my account for both me and Citi, and they can not make changes until they receive this paperwork in hard copy. I should not have to mail in a form with my SSN on it in order for Citi to cancel my account and application and remove it from my credit bureaus.