WillisBack/dataset-financial-user-claim huggingface dataset:
I may have done this before. My bank XXXX XXXX has been charging me overdraft fees that cost my account to close. Those over charges were so high that I couldn't pay them. When my SSI checks would come in, XXXX XXXX   would take out their money and leave me with no money at all. XX/XX/2018 is when some of these charges have happened not including other times that I do not have dates for but it's been an ongoing problem with this bank. I have closed out the account as of Friday XX/XX/2018 or possibly before that date. They have sent me a letter certified on XX/XX/2018 claiming the account was closed, and also emailed me not to contact them as I have been doing every day they do not send me my money back. They can contact me but they refuse to send me my refund. They were taking my SSI and using it to make me pay them and I think this is unfair. Now I have 2 bills that must be paid and I can not do it because they will not refund the money on a timely basis. I have charged them a fee of {$50.00} per day ( because they charged me on a daily basis ) and I want it now, that is today. Again they can send me letter but not the money they owe me.
The following XXXX XXXX XXXX credit card account/Card : XXXX through the XXXX XXXX XXXX is lost/stolen, has fraudulent transactions on the account and the account dont belong to me. The account is fraudulent and i never applied for this account. The account is fraudulent and unauthorized.
Quicken loans continues to call my job directly to my manager XXXX XXXX. She has consistently asked that they remove her number of XXXX. They told her it is not her but someone in the office. She asked they who it was, but they would not tell her.
Re : Equifax security breach : 1. Called the Equifax call center @ XXXX to place a freeze on my account but was instead directed to ftc.gov/XXXX which did not help me, as it only provides information on steps to take such as calling each credit reporting agency to place a freeze. 

2. Then tried to place the freeze online at https : //www.freeze.equifax.com/XXXX, but was unable to complete due to site not working. 

3. Also, signed up for XXXX XXXX XXXX through Equifax at XXXX and was supposed to receive a validation email, but never did.
In XXXX, Navient reported me as 30, 60, and 90 days late on my account. I filed for a loan consolidation and a repayment plan. I have submitted my paperwork approximately 5 times now, but every time I turn around, they say the never received the paperwork and that I'm hundreds of dollars behind on my account. 

They either put my account in forbearance or deferment instead of getting me on an affordable payment plan. At this point, I'll never be able to repay all of my loans because of the interest rate.
At the time Equifax had discovered they 'd been hacked on XXXX XXXX, XXXX, they allowed my personal information to be taken and several months had already gone by. I have put a 90 day watch on my accounts with all three credit reporting agencies. I now have to monitor my credit reports and accounts on a weekly bases. 
I have been in contact with Equifax and I have a conformation number witch helps them monitor my account, so they say. I now have to sit and wait to see what happens? It 's now going to be a pain just to open a new credit card or any thing else. I 'm sure it 's just a matter of time before my accounts start getting hit
I wasnt sure which option to click but this is what the issue is. If i remember correctly i made one payment to  the company. I knew i was going to be behind because i lost my best paying job, we almost just got evicted and im behind on a car payment. I emailed them to let them know that i was aware i was behind anx i intended to pay them, and that i was hard to reach via phone because i work a night schedule. They sent a text message to my phone on XX/XX/18 that read exactly this : Your XXXX Acct. is in XXXX! You qualify for a LIMITED TIME offer that will WAIVE 40 % OFF YOUR BALANCE! Call XXXX for details. XXXX Debit Collector Then on XX/XX/18 they text messaged my phone this : XXXX, XXXX XXXX Pre Legal @ XXXX. We need to hear from you or we will pursue all remedies against you as stated in our contract. XXXX Debt Collector My mother saw this text because she was using my phone. 
In no way did they verify who they were speaking to before texting this information. They did not do the standard debt collection disclosure anywhere in the message, and i dont understand how they can threaten legal action 1 day after sending the first message. Im upset at this situation for so many reasons and feel my privacy in regards to this debt has been violated. I borrowed less than {$200.00} and contacted them to explain that i knew i was late but intended to pay.
On Monday XX/XX/2018 i received a phone call from my Aunt at XXXX XXXX  stating that XXXX XXXX  had contacted her about an account that i hold her name is not on my account nor is she Associated with this account. They released information to her about my account. So I contacted XXXX XXXX myself an Spoke to a XXXX XXXXXXXX concerning my account i asked her why she had contacted someone about my account that was not attached to my account she then informed me that under the law she can contact anyone she can to get payment on my account.
This is a complaint for being deceived and unfairly treated by not receiving a promotion that was promised and inaccurately and unfairly having a negative report on my credit report UDAAP and FCRA : 1 ) I obtained a XXXX Chase card ending in XXXX in XX/XX/2017 during a promotion in which people who sign up are given a XXXX companion pass. I had just moved to XXXX XXXX and was in the process of moving from one short term residence to another. Because I had not yet settled in a location I used my old XXXX address for applying for the card. After confirming with both Chase and XXXX that I would receive the companion pass if I signed up, I obtained the card expecting the pass. 

After a month I called to confirm I would be getting it and was assured I would be. After 3 months I called again and was told that I would not be receiving it because my address on file was not updated to my XXXX   address. 

I obtained and used this card under the impression that I would get the companion pass but never received it. 

I was also unfairly treated because other people who signed up have received this pass but I have not. I would like to receive the pass. 

2 ) After being told that I would not be receiving the pass, I paid my balance and cancelled my account. 2 months later I noticed that I was charged a late fee and called to investigate. I was told that I had received a charge after closing the account and that the account was opened. The person I spoke with assured me he would remove the late fee ( which he did ) and that this would not be reported to the credit bureaus. However after further discussion with another representative, I realized that this was not the case. 

-- I would like to ensure that any negative report made on my credit be corrected and to receive the companion pass that I was promised for signing up for the card. 

Thank you
The creditor or the US Postal System failed to deliver my statement, and this resulted in missed payments, and derogatory account information. It is my right as a consumer to receive statements about my account in the mail. I also requested a change of address with the creditor, and the company 's failure to update this in their system might have influenced this situation. I live in a large apartment complex and sometimes the mail man mixes up the tenant 's mail.
XXXX/XXXX 's credit collection agency and i came into a payment agreement where i would pay XXXX down and XXXX a month thereafter on a debt totaling XXXX. Also with payment arrangement XXXX/XXXX  's debt collection agency would then remove this debt collection off of all three credit reports. i have not received the contract, i mailed them XXXX, the negative item is still on my credit reports
LOAN WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX CLAIMS DEPT XXXX. 
our mortgage was sold off from XXXX XXXX to this banking institution. 
we had some storm damage to our home. our XXXX XXXX policy will cover the damage with no problems and have been very helpful. This company now wants us as a home owner or our XXXX XXXX XXXX to pay for them to send out inspectors to inspect the home once work is complete. so we have to come up with {$100.00}. When I discussed this with our XXXX XXXX agent he said in 25 years as an adjuster he never heard of a home owner having to pay for a inspection fee nor as an insurance company. 

I think this may have some legal ramifications and need help from an agency to check into this customer gauging. Can you assist or get us to the correct party? 
. 
Thank you XXXX family
I have been working to repair my credit of which I have been having success. I had a Tax Lien ( with the tax Lien on my credit report, my credit status was XXXX ). I decided to go ahead and pay off this Lien because I was now in a better financial situation to do so. I was so happy the day I got the release letter from the tax board until I looked at the credit I was trying so hard to repair. My score fell to XXXX and remains there. I have asked the credit bureau to remove it since it has been satisfied, of course they would n't. 
I had better credit with the lien on my record, than now that I have paid it off. The tax board says they have nothing to do with this. Why are people being punished for trying to do the right thing. 
I would appreciate if you can help me in having this removed from my credit, I was in the process of purchasing a house and it was being quite successful until I paid off this bill and my score plummeted to XXXX. 
Please help me get this removed. I have enclosed my Tax release.
I was previously with XXXX and I started doing a loan modification with them and in the middle of the loan mod they sold my loan to another lender XXXX and this lender send me to another lender XXXX and so on... In the meantime I did not receive any information of this until after I received a trustee sale date and when I called Quality loan Trustee  I asked them who is the loan with they said Caliber Home Loans I asked them what was the loan number and they hung up on me. I called around XXXX times to them and they kept hanging up on me. After XXXXcouple days of this I finally got a hold of someone who helped and provided me with a loan no. I called Caliber home loans gave them my social, the loan no. provided by quality loan and they kept hanging up on me as well. When I call caliber home loans and they ask me to enter the loan number which I did but the phone kept hanging up on me after I put in the loan number. I also went online and printed a loan modification packet, I filled it out and put together a full packet by the RMA instructions and I faxed in to Caliber home loans. The next day I called them asking them if they received my fax they said they did not and I told them I have confirmation but they hung up. 
I called them couple days later and asked them about the fax and the loan, they kept asking me for the loan number which I only received from Quality loan but they say that's not it and hung up. I even gave them my social date of birth which by that information they should locate my loan but they cannot and hung up again. 

I don't know what to do anymore and how to work with this company. I have a sale date scheduled XX/XX/2015 and am very worried that they are doing this to just say oh you did not send us any docs for a loan mod and then they will just sell the home. How can I get a hold of them so I can work with them? 
Please help me as this is getting out of hand and getting very close to the sale date.
I reported that I did not make this charges, authorize this charges, or have knowledge of this charge. I did not even know about this collection until I checked my report on XXXX   XXXX 3 months ago. I called the collection company and they agreed that I should not have been involved in this charge but all three reporting companies ( XXXX, XXXX, and Transunion ) are showing that : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE '' It should be illegal to place a derogatory report on my credit report that I am not responsible for or even was aware of!
I sent financials and a request for mortgage modification to Ditech mortgage for them to process. Ditech had all the requested documents but they foreclosed on my home while they were processing my modification request.
I have disputed the items in question on my credit report with XXXX XXXX XXXX and it's new account owner XXXX XXXX XXXX XXXX. After battling with XXXX  to remove these items they in turn updated them with the wrong information. How is it that a company can charge off all debt and still report negatively on said report with no recourse. So I never had debt with XXXX XXXX XXXX XXXX. My debt originated with XXXX XXXX XXXX. therefore they are the loan institution and I have no business or have ever had business with XXXX XXXX XXXX XXXX. I ask that both items be removed from my XXXX  report as they carry no active balance and have remained and still remain as a charge-off.
Across many credit scoring websites my Equifax score appears as unavailable. I don't understand why this is. My XXXX XXXX account states that my Equifax score dropped by over 500 points. I feel as if there most be some type of error on Equifax 's behalf.
I received a letter from discover card stating that I have a balance that is delinquent. I contacted discover card and advise that I never applied or open an credit card account with their company. I have disputed the credit card account with the credit bureaus and with discover card requesting that the account be removed from my credit file and the account ca n't be validated nor will they remove the account from my credit report.
On XXXX/XXXX/2017 Chase illegally took fund from my business checking account where the business is titled as the owner ... they took funds out of the business checking account to cover a personal account overdraft in the amount of XXXX their is a transaction on the account that is currently under dispute with a company which is why it is overdrawn ... they have done thus illegal action before on XXXX they took XXXX out of my business account and placed it in my personal account ending in XXXX they then reversed the transaction and placed the funds back in my business account because it was illegal ... they have now done it again and took funds out of my business account that the owner is the business and is not used for personal use they have took funds illegally
I recently submitted a report for identity theft due to recent discovery my identity has used to open up account for medical and utilites. The following items should be removed and deleted from my credit report Account Numbers 1.XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX 2. XXXX XXXX XXXX # XXXX  3.XXXX XXXX XXXX XXXX # XXXX   4.XXXX XXXX # XXXX  I was living in XXXX OHIO at the time these account were open. I do not recognize these companies and I have never lived in XXXX Tennessee.
Agent of Gross Polowy, LLC showed up at a house I own and handed papers to my tenant that were faked regarding my mortage. They had gone on the internet to print out recordning documents from my original purchase to make it look real. Tenant thought they were being served foreclosure papers. The cover sheet was made to look like an official court document but the bank named as the plaintiff DOES NOT OWN THE MORTGAGE. I verified this with my current bank just to be sure. It would appear that they were trying to scare me into making payments to them which they would then pocket. This has created a problem with my tenant and is an illegal practice. I filed a report with the local police department. When I tried to call them on this all of a sudden everyone was not available!
I never received any bills nor any calls as the dealership incorrectly attached my old address and phone number to my account when they submitted it to the finance company. ( I previously bought a car with them before buying another XX/XX/XXXX ) I has an issue with the dealership for selling me a car with bare tires when per contract it was supposed to be Certified. This was corrected in XX/XX/XXXX/XX/XX/XXXX and I was told I would get a refund on my insurance that I bought and I would not have to make a payment until the tires and bearings were fixed. I have made a payment every month. I have never been late. I relied on the word of the car dealership and now my credit report shows that I have been late paying for about 6-7 months. I just received confirmation that these late payments were taken off of my Equifax report. These are affecting my other reports as well. I have been fighting this for some time now. If there is anything you can do to get this straightened out on all of my reports, just let me know. I appreciated any information or assistance.
On XX/XX/2018 I made a visit to XXXX XXXX in XXXX XXXX, XXXX county. I sat in front of customer service person XXXX. I told XXXX to follow -up on a payment of {$500.00} I paid to XXXX credit card. 

XXXX said that she will re-submit the {$500.00} payment through my connected account in XXXX XXXX. XXXX had my XXXX XXXX  account opened in front of her on her computer. XXXX called the XXXX Credit card to make again the {$500.00} payment. XXXX XXXX failed to make this payment as they promised me and reported me as a delimquent person to XXXX XXXX and Experian. XXXX Credit card also took a payment from me around XX/XX/2018 for {$3000.00} XXXX Credit card failed to put my XXXX XXXX  acoount numbers correctly in their computer. I asked XXXX XXXX to make a one time payment only to my credit card. XXXX XXXX XXXX never heard about this transaction. XXXX  claims that XXXX reversed the payment. XXXX credit card has defrauded me. They have reported me to the credit companies fraudulently making me look delinquent. 
XXXX credit card is to delete these false rating 's against me.
This dispute of unauthorized charges involves a debit card in my name, which is used by my real estate company, XXXX XXXX ( " XXXX XXXX XXXX '' ), to issue incentive payments to me resulting from commissions from real estate transactions. Essentially, as commissions are earned at random times, the card is then loaded with various remittance amounts. This card is administered by Bank of America. 

On the morning of XX/XX/XXXX, resulting from my XXXX XXXX XXXX   advising me that I should have received a commission credit to the card, I called into the Bank of America automated customer service line to verify receipt. It was at that time that I first learned that there were a series of debited transactions that I had not made. I immediately telephoned Bank of America and advised them of the unknown and unauthorized charges and they advised they would cut of the card, re-issue and new one and place a formal dispute claim. Further, they advised that all five of the disputed charges were actual swipes of the card, although I physically had it still on my person and the card was never lost nor has ever been lent to anyone else. 

Subsequently, on XX/XX/XXXX I received a letter ( attached ) from  them only stating that the transactions were authorized, but no detail as to how they came to that conclusion. I immediately called them and tried in vain to get an answer as to how they found the charges authorized considering that besides the charges for some items in which I have no use for ( i.e., I have been on a XXXX diet for the pass 3 months and would never go near a XXXX XXXX ) for at least 2 of  the 3 days in which the card was supposedly physically swiped in another boro, XXXX, NY, I was actually miles away at work located in another boro, XXXX, NY ( on-site clock-in/out ledger attached ). 

I of course asked if someone else, a supervisor can explain to me the seeming non-investigation and unfair conclusion that I authorized these charges and I was told no one was available but a supervisor will be calling me back. It has now been over two weeks and I have not heard from Bank of America.
I filled out the request form for my free credit report from Equifax on XXXX/XXXX/15 and upon my completion they requested a fee of {$7.00}.
My family and I have been receiving calls from a woman name XXXX. She works for XXXX XXXX. Phone number : XXXX. She says that legal action will be taken against me. My father, who lives in Kansas, received a message from XXXX on XX/XX/XXXX and she told him that they needed to serve me a subpoena. I called them on XX/XX/XXXX and I talked to a man who said that their office had a legal case against for me a payday loan debt from XXXX loan. I asked XXXX XXXX not to call my family about this matter, but they have called my husband on XX/XX/XXXX and XX/XX/XXXX. I informed XXXX XXXX that per the law, they have to send me a letter to inform me of the debt and they have not done that. XXXX XXXX claims that the loan is from XXXX loan and it was supposed to come out of my XXXX XXXX account. I did have XXXX XXXX in Kansas, and the payment from XXXX should have gone through and I looked through my emails and dont have any email from XXXX XXXX about a declined transaction from XXXX loans. I don't live in Kansas anymore and I don't bank with XXXX XXXX now. I emailed XXXX loan on XX/XX/XXXX and told them that I was being contacted by XXXX XXXX and they told me that the debt had been sold to XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX loan never notified me that the debt was sold to a 3rd party of XXXX XXXX XXXX. Per the law, XXXX is supposed to notify me if the debt is sold to a 3rd party and they did not do that.
I wa contacted regarding a credit card debt from 2011 by Preimum Recievables out of Huntington XXXX, California. I was told I was contacted by mail and never recieved this information. They contacted my work and my cell phone saying they were going to serve civil matter paperwork. I insisted I resolved this out of court and requested a validation of debt. They said they were not going to do that by law because they did n't have to after 30 days of contacting me. They sent me a letter saying what was owed beforehand via e-mail. After recieving that is when I asked for validation. He started argueing with me and said he would see me in court and hung up.
a number of hard inquiries are on my account that have not been removed, even though I had requested that was done. they are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
More than ice I 've consolidated wit h Navient and s et up a payment plan with autodraftst from my bank. It 's never the price they say it would be and I felt with it but the worst part is every time I set it up they cancel it, stop autodrafting and call me back to make new plans. Sometimes as early as a month later. I 'm tired of dealing with them.
XXXX is presented as a collection company, but is in fact the primary billing agency for XXXX. After having 'XXXX ' and being billed, I tried to find ( going from department to department ) a way to pay the hospital directly and was told to contact XXXX . I paid monthly installments for this medical bill until it was paid in full and they stopped sending invoices, only to find out that they backdoored my perfect credit standing. This was for sudden XXXX. My excellent ( check the history ) credit status should be restored immediately.
Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.