WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, this is  XXXX   XXXX  and I had a concern regarding Macys placin g a thirty  day late on my account in  XXXX  of   XXXX  . I was not supposed to be reported for this late, according to a manager i spoke with. I saw that I was and would like help to resolve this immediately please.     I had not received any statements and I had reported them lost or stolen t o Macys.  I was never late to pay a bill it was just that the statements went mission and unnoticed by my family. The representative I spoke with was understanding and told me no issues would come from this and yet I noticed a year and a half ago they did place a late on my  XXXX  credit reports and this has affected me terribly. This is not fair and not what was supposed to happen.
An individual with a depository account at US Bank issued me a check from that account as payment. When attempting to cash the check at a US Bank branch, US Bank informed me that if I signed up for a checking account, then they would cash the check for free ; otherwise there would be a {$7.00} transaction fee. 

I take serious exception to the philosophical idea that a bank would charge a fee to cash their own check. They issue the check to their deposit customer as a service of that individual maintaining deposits within their institution. Then when that customer writes a check for payment the bank is charging a transaction fee for it 's use..? If the check is not accepted as a form of payment without additional fees, then why have a depository account? And why accept checks as payment? 

By the way, if I deposit the check in my bank and it does not clear, my bank charges me a fee. So depositing into my bank is not an option. 

If a bank is to be given the authority to administer checks on behalf of their depositors as form of payment, then they should be required by law to honor that payment. Coercing payees into opening an account or suffer paying a fee is not a useful means of monetary transaction. Ultimately, no one will be able to accept a personal check because even if the money is there, the bank wo n't honor it ...
XXXX XXXX is attempting to collect a debt without verifying its accuracy. XXXX has misapplied funds that were paid on my account and I have requested a payment history several times so that I could match my payment. I have not to this date received them.
There was over {$4500.00} in fradulent changes made on my credit card without my knowledge. The credit card company, BacklayCard, changed my address to XXXX XXXX XXXX, XXXX, MA without my authorization so I was n't aware of these changes. I never lived at this address so they should n't have changed my address. 

I was contacted by a collections agency several months later trying to recover the funds. At the time I let them now these are fraudulent changes and asked them to to put me in touch with the credit card company ( when I call directly I get automatically transferred to the collection agency. ) They refused but said they would let the credit card company know and they would contact me directly within the next XXXX days. A month later I was contacted by a different credit collections company. I told them the same thing and they refused to put me in contact the credit card company unless I had a police report. I filed police report and faxed them a copy. However I just checked my credit report and these charges are still showing as past due. This is now preventing me from getting a car loan because it 's significantly impacting my credit score. I could use some help getting this resolved asap. 

In summary, I did not make these and the bill was sent to the wrong address without my authorization so I was n't aware of the charges. Now the credit card company wo n't speak with me and they keep sending me directly to a collection agency. I filed a police reporting regarding the incident and faxed it to the collections agency but the charges are still showing past due and it 's significantly impacting my credit score. I do n't know who to send this to at BarclaysCard to get these charges removed and my credit score repaired asap. 

Thanks for your help!
I have been disputing several inquiries that are reflecting on my Equifax Report since XXXX XXXX. Equifax have removed several inquiries and at other times their response is that I need to contact the creditor to get the problem resolved. This contradicts Equifax previous action by conducting an investigation confirming the inquiries were not authorized then removing them from my credit report. I am requesting that Equifax conduct themselves like they previously did and conduct on investigation to the following disputed items ( inquiries ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX FLORIDA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX EQUIFAX MORTGAGE SERVICES XXXX/XXXX/XXXX XXXX XXXX # XXXX XXXX/XXXX/XXXX Please carefully review some inquiries from the same company that ran my credit on numerous occasions.
On  XXXX / XXXX /  XXXX  , I reported to  JP Morgan Chase  that a check I did not authorize was deposited into my account ( in the amount of {$4800.00} ). They immediately reversed the check and investigated it the same day (  XXXX / XXXX /  XXXX   ) ; on  XXXX / XXXX /  XXXX   when I went to open my new account at the local branch, I was informed by an associate  XXXX   XXXX   XXXX  that their investigators said the check was indeed fraud as the fonts were differing sizes, etc. Within the same time frame that the fraudulent check was deposited, a transfer was initiated to move the funds from the fraudulent check to a different accoun t ( Chase  told me they could see the transfer came from my grandmother 's online profile, who opened the account for me when I was a minor 10 years ago ). The transfer was initially denied by Chase because the funds from the fraudulent check were not available yet. On  XXXX / XXXX /  XXXX  , Chase allowed the transfer of {$4600.00} to go through - after I made the fraudulent activity claim and the check was already reversed (  XXXX / XXXX /  XXXX   ).  Chase  simply told me my account was compromised and I needed to open a new one ; so I did and went on my way. On  XXXX / XXXX /  XXXX  , Chase withdrew {$4600.00} from the new account I was instructed to open, and transferred it to my old account. This is because when they advised me to close my compromised account, it was left with a negative balance because Chase allowed money that did not exist to be transferred out of it. So they took the {$4600.00} from my new account to make up for it. I had my case escalated to th e Executive Office,  where  XXXX  was going to investigate where the remote online deposit came from ( because it was identity theft ) and why  Chase  allowed those funds to be transferred after they had reversed the fraudulent check. When  XXXX  came back with their decision on the matter, it turns out they did not investigate anything and are saying that even though I reported the fraud and had my identity stolen, I am responsible for any deposits and transfers made on the account. It is astounding that I had my identity stolen, did everything Chase instructed me to do, and they are holding me responsible for it.
I have a mortgage with Suntrust. On XXXX XXXX, 2017,  Hurricane Irma destroyed part of my property. The insurance company sent out an adjuster who gave me a check to get it repaired. Because I have a mortgage with Suntrust, I had to send the check to Suntrust Loss Draft Dept. Suntrust Loss Draft Dept also required I send copies of 1. the insurance adjustor 's estimate of damage 2. the contract I have with my builder who will be repairing the damage 3. the builder 's license 4. a waiver of lien from the builder 5. the builder 's XXXX form. 

All these forms were sent to Suntrust Loss Draft Dept,  some of them multiple times at Suntrust 's request. 

I am tired of waiting for Suntrust Loss Draft Dept to release my money to fix the damage. It 's been over four weeks now since I first submitted the forms to Suntrust. 

In my opinion, Suntrust is doing everything it can to hold onto my money. I have talked to the Loss Draft Dept on the phone numerous times already. What more can I do?
I was contacted by Enhanced Recovery of XXXX XXXX XXXX, XXXX, FL XXXX, XXXX regarding " several collection accounts ''. They would not identify these accounts and I was told that at XXXX Friday ( XXXX/XXXX/2015 ) I would be visited by the police who would have a warrant for my arrest. 
I asked them to provide me a written statement and was told I could read it in jail if I did n't pay " right now ''. 
When I refused and again requested a written bill, the collector became very abusive and told me he did n't have to give me anything in writing. I asked if he was familiar with the FDCPA and he told me that makes no difference to him and he would be enjoying the weekend while I was in jail.
I was contacted by Experian that a hard inquiry was on my credit report from XXXX XXXX. I found that odd because I've had a XXXX XXXX card for many years. I looked it up & saw that it said " a lender requested a copy of your credit report for a home retail loan. Every time you apply for credit, a " hard inquiry '' is placed on your credit report and it may stay on your report for 25 months. '' This is listed as coming from XXXX. A few weeks back I did apply for a credit increase online but it was immediately declined so I know credit was pulled then. 
I called XXXX XXXX today & asked about my credit being pulled today. They admitted it was but never told me why. They said they couldn't remove the inquiry & I'd have to talk to the credit bureau about that. I'm trying to rebuild my credit, I even told them that & that they were the ones that had to take care of the inquiry, not the credit bureau. They said they couldn't do anything about it. I had to talk to the credit bureau. I ended that call with no answers about why that inquiry was done and why they refused to remove it.
XXXX XXXX XXXX XXXX Is reporting a debt that I do not owe. I have no idea what this collection debt is. I have never received any phone calls, collection letter, nothing! They added this to my credit file and they are in violation of my 30 day right to dispute.
I have sent a verified email to USA Living about cease of communication to my cellular phone. They continued to do so twice since giving them the notice.
XX/XX/XXXX : mortgage payment paid on time. Sofi stated that the amount was incorrect. They had erroneously included an extra {$310.00} on payment for taxes. Taxes are to paid separately by me. Numerous call/emails were made which highlighted the fact that Sofi did not keep correct records and did not have copies of paperwork that they had sent when the loan was funded. XX/XX/XXXX : mortgage payment paid on time. Sofi again contacted stating that the payment was not received and a late fee was charged. Confirmed with the bank that payment was sent to the correct address. called sofi who stated that they could not look for the payment and that official paperwork from the bank would need to be sent to verify payment. This has not been resolved.
InXX/XX/XXXX, my husband and I filed for Chapter XXXX Bankruptcy due to my husbands illness. Two weeks after we filed, my husband was awarded XXXX XXXX XXXX through the Veterans Administration. The mortgage company was going to foreclose on our home and were unwilling to work with us, so bankruptcy was the only option for us at the time. We made monthly payments to the Trustee of the Bankruptcy up until XX/XX/XXXX. We had been advised not to have any contact with any of our creditors until the bankruptcy was discharged. The discharge came in XX/XX/XXXX. I never heard anything from any of my creditors including the mortgage company. At the end of XX/XX/XXXX, I began sending my mortgage payments directly to the company. In XX/XX/XXXX, I noticed my XX/XX/XXXX payment had been returned to the bank. When I called the mortgage company, they told me I was in default and that my home would be foreclosed. No mention was made as to when and where this default occurred and since we had been making monthly payments since the bankruptcy discharge, we had no clue. I contacted my lawyer and a seven month ordeal began. During this time, numerous letters were sent from the mortgage company even though they were advised not to contact us directly but to go through our lawyer. Seven months later, the dilemma was resolved. Apparently during the five months between my last payment to the trustee and the discharge, no payments had been made to the mortgage company. Had the mortgage company representative advised us of that, we would have made the payments. At the end of the seven months the mortgage company sent a settlement of {$5000.00}, which was to go towards our missing payments. We sent an additional {$810.00} to bring the account current. That was on XX/XX/XXXX. In XX/XX/XXXX, I checked my credit score and it was in the mid XXXXs. In XX/XX/XXXX I rechecked and it had gone down into the low XXXXs. Reviewing my account, I noticed the mortgage company had entered six months of 120 to 180 days late on my mortgage payments in XX/XX/XXXX I was astonished. I tried to speak to the mortgage company to no avail. My lawyer stated the mortgage company was within their right but I do n't feel this is ethical. I feel this is payback for having contacted a lawyer. This is not fair business practices. We just spent five years in a bankruptcy and now will have to spend five more until this mortgage issue can be erased from my credit report. I truly hope you can do something to help us. Thank you.
ON XX/XX/13 I PAID MY TOTAL CHILD SUPPORT OFF THE AMOUNT WAS XXXX I NEVER RECEIVED A CLOSE OUT LETTER BUT I RECEIVED A STATEMENT THAT SAID THAT THE BALANCES WAS CLOSED OUT. ITS SHOWS UP ON EQUIFAX AS NO ACTIVITY BUT A XXXX BALANCE
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Sandtander of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX   credit reportsXX/XX/2018 related to that fraudulent application. An official dispute of this inquiry was submitted certified mail with return receipt to Sandtander XX/XX/2018 and againXX/XX/2018 however in each instance Sandtander failed to reply to the status of the investigation and/or removal of the fraudulent related information from my clients credit report ( s ). This is a violation of the FRCA and my clients federal consumer rights.
XXXX XXXX XXXX called me at XXXX XXXX on XX/XX/2017 from a deceptive phone number XXXX. They are not a local company to my area. As soon as I answered the phone a man started asking me why I had n't paid my payment arrangement. I asked who he was with and said that I have never made any payment arrangements with anyone for anything. I asked him what he was talking about and he said I had made payment arrangements and did n't pay them. He said I was on recording making those arrangements and I repeatedly told him that I have never made arrangements with anyone for anything because I did n't know what he was talking about. I asked him to send me a copy of the recording if what he was saying was true. He told me " No, I do n't have to ''. I then told him that under Federal law, he had to send me proof of anything he was claiming. He then told me that I did n't know what I was talking about and to shut my mouth. He said that I needed to pay my bills and to shut up and get off his phone. He then hung up on me. He was very verbally abusive to me and called while I was at work and would not agree to validate anything he was claiming.
My identity was stolen 3 years ago. Some one opened a XXXX credit card in my name at pnc bank on XX/XX/XXXX. Money was transferred to a person by the name of XXXX XXXX XXXX from the credit card for XXXX. I called pnc bank in the beginning of XXXX ( right around the 15 ) and told them that I did not open this account. The fraud department sent me a letter on XX/XX/XXXX and had me sign it so that there could investigate this problem. On Saturday XX/XX/XXXX I received a letter from PNC Bank stating that no such inquiry was reported to the credit bureaus. I have a copy of XXXX credit alert about the inquiry. I made a police report in XXXX after I called PNC Bank about the fraud. Police report number is XXXX.From the letter I received from PNC on XX/XX/XXXX, they think I opened this account, which I did not. I am going to contact PNC again on Tuesday due to Monday being a holiday. The inquiry was from PNC Bank in XXXX Ohio on XX/XX/XXXX. I was in California at that time. I put a credit lock on my credit for all 3 bureaus on XX/XX/XXXX. I had my credit monitored by XXXX at this time.
In XX/XX/XXXX we worked with XXXX XXXX XXXX home modification, we were approved in writing and getting ready to make our modified payment and the next week we received a notice saying we were denied, we worked with our loan coordinator to find out why. Our loan coordinator told us to resubmit the modification, in the process of resubmitting our modification we received a notice that our loan was being sold to Carrington home Mortgages as of XX/XX/XXXX and our home is in foreclosure. I called XXXX XXXX  XXXX again this time the loan coordinator we were working with was no longer with the company and we now had a new one, in speaking with her she said " well your loan was sold and we no longer have any information on your loan, you will need to call Carrington home mortgages ''. I called Carrington on XX/XX/XXXX they told me that it is a new loan and they would n't have any information on the loan for up to 60 days. I told them I did n't have 60 day because my house was being foreclosed with a sale date of XX/XX/XXXX, they told me not to worry that, that Carrington owned the loan and that XXXX XXXX XXXX can not sell your home because we now own the loan, she said call back next week and see if we have your information loaded. I called back on XX/XX/XXXX, they still did n't have the loan information loaded they again told me not to worry that there would be a 60 day grace period and no sale should happen. They told me to try again next week to see if the loan information was loaded, I called again on XX/XX/XXXX this time they sent me to the collections department at Carrington, they told me that it was partially loaded but we were in foreclosure and there was nothing we could do or they could do to stop the sale, I said we were told to submit a modification, she told me that it was to late and nothing we could do our house was going to sell at foreclosure. I was told by 4 attorneys that this is how XXXX XXXX XXXX gets by with foreclosing on people they sell the loan right before the sale date when they know that it takes a while for information to be transferred to the new company therefore there is no time left and people are left without a home. All we want to do is pay our mortgage and keep our home we have lived in our home for 11 years, we have a XXXX XXXX child, and this is very traumatic and stressful on all of us. We are looking for any help to save our home before XX/XX/XXXX which is our sale date.
I have been receiving calls from an unknown debt collector. They have not given me any information as to who they are, a physical address, and call me day and night, after I have repeatedly asked to only contact me through mail. Now they have called my work without my permission. I do n't even know how they got my work number, and jeopardizing my job by doing so.
I contacted the credit bureau by online dispute and paper dispute to let them know that my credit had been ran without my knowledge or permission and was asking for them to investigate and remove the inquiries off of my credit. I was told to if I felt like it was unauthorized to contact each company to dispute these actions. I did that with no response or action from the companies.
The Bank withdrew Funds-money from my account without my knowledge OR permission to do so.This was due to the failure of my credit card payment. Todate i never got my money back
Walmart Store Credit Card through Synchrony Bank - I was not able to use my bank card and found that Walmart wrongfully processed a payment for {$150.00} on XXXX XXXX, 2017, when I signed up for recurring payments of only {$25.00} per month. It takes a couple of billing cycles before it started on XXXX XXXX, 2017. When I called them, they said that when there is a minimum payment due that will get processed before recurring payments for less than that amount. This was not stated on their website when I processed the recurring payments. I made payments as needed {$25.00} and {$50.00} until recurring payments were to start. Walmart states it can take weeks before the complaint process is set up and I would receive something in the mail. My bank account is overdrawn, accumulating overdraft fees and now, any other payments I set up for payment of my bills will be returned unpaid. 

I can not afford to wait weeks for Walmart to send a request into their complaint process and respond by regular mail. It was an unauthorized payment against my bank account and should be immediately taken care of. 

Because of what occurred I immediately cancelled recurring payments so this does not happen again.
I currently have a complaint being addressed by your organization regarding Capital One. I recently learned that regardless of the XXXX phone calls I have initiated since XX/XX/XXXX with Capital One, they continue to perpetuate this process. A few days after I made my last call to Capital One, and after they failed to return my calls after XXXX separate requests which forced my hand to file my complaints with the state of XXXX and XXXX offices of the attorney general - Capital One sent yet another letter to the address in XXXX, which I requested and demanded they remove from my account two weeks and XXXX calls earlier and had informed them on XXXX previous calls that I currently had a credit card open with Capital One which had a present address in XXXX. This last letter indicated to the individual at the address in XXXX that attempted to open the account in my name, to please contact Capital One as the account was temporarily on hold and they needed to speak to the card holder prior to moving forward with activating the card. You can imagine my newly found frustration with this process, as I have been informed by at least XXXX different people and XXXX additional managers at Capital One that the card and the account have been deactivated, yet letters that have been sent to the address in XXXX dictate otherwise. 

I will be gaining access to all of the information and sending them your way ... 

Thank You,
XXXX XXXX has called my phone 4 times a day for 2 months stalking my residence threatened my daughter if she did n't give them XXXX they would call the cops and I 'm tired of the harassment