WillisBack/dataset-financial-user-claim huggingface dataset:
I was one of their customers who was affected by Hurricane Irma. XXXX XXXX did assist us by removing the amounts due and waiving some fees, which I was extremely grateful. Now, as we move bank into the fold of things, my XXXX 's XXXX is having some issues and when I called and spoke to XXXX, she advised that she would send the matter to her manager. It has been a week later and the problem still exists. 

I found our that XXXX removed the XX/XX/XXXX and XX/XX/XXXX 's payments that were due and credit reporting would cease during this time. No fees would be assessed. I would receive statements saying nothing was due and the ones that showed due, would not needed to be paid. I got this information from other representatives I spoke to with other XXXX store cards. 

I got a statement showing {$27.00} was due on XXXX XXXX, 2017. I did n't think anything of it because the website showed XXXX due the entire time. I began to worry when I started getting emails that my account was past due. It showed {$0.00} past due and to pay that amount. It made no sense. I finally got a chance to call and XXXX said that yes, I should n't have received them, etc etc. 

I am still getting notices and the website has a disclaimer at the bottom advising ; Alert : If you 're facing financial challenges, may be able to help. Please call our Customer Care team at XXXX. Again, it shows nothing due. I have screen shots and statements of everything.
Dear CFPB, I just reviewed my credit report on XXXX XXXX and found that there is an unknown hard inquiry made on XX/XX/2018 which I did not authorize. 

Please resolve this issue. 

Thank you for your help in advance.
Bank of America charges over draft fees but yet the account activity log never shows where the account actually went negative. This has happened to me several times with Bank of America. I was charged a {$35.00} overdraft fee but yet when you call and try to go over the account activity log with the employees, they have a completely different log that does n't even reflect the same information.     on my enclosed attached bank log, it shows my account was in the positive until the overdraft fee, that is the only time my bank went negative
I request to begin a reinvestigation to verify the accuracy of the information with which I disagree, that it is incorrect, inaccurate or incomplete. 

I am writing to you for the purpose of helping me with this problem with the company " Experian ''. I have been doing it for more than a year, asking them to fix some erroneous information that they are putting in my credit, this is affecting me critically in my search of work and in the loans to buy my house. 

My reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal. 

I demand reinvestigation this dispute for account information from XXXX " XXXX XXXX XXXX XXXX / XXXX '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. " Experian '' has never presented me with any document or proof, the name of the judge, court, address, and telephone number of each person contacted regarding this alleged account. 

I have asked them on many occasions to investigate the error they have, but they use an automated response system, where all the answers are the same and do not pay attention to the request that I write to them. It is a total lack of respect for citizens not to take seriously the letters I send them.
Ditech, my mortgage provider went through a system upgrade in XXXX 2016 ( according to them ). I currently make biweekly payments on my mortgage, almost twice the amount of the standard payment. Due to technical issues, the system is no longer able to post biweekly payments. This is now resulting in showing over {$7000.00} of unapplied payments, but the mortgage now shows past due since XXXX XXXX, 2016. I did contact the provider by email and by phone several times. They have assured me the are reviewing the account. Beside a simple acknowledgement that they received my complaint and are reviewing this ( without any results as of XXXX/XXXX/16 ), they have never proactively reached out to me as to provide any status update. They are however reaching out with never ending collection calls and letter. If it was any other service, as a consumer, it would have swapped providers. However with a mortgage that is not such a simple task. It has been over 8 weeks with no results ( and I 'm sure I 'm not the only one ). I understand system issues, but it is inconceivable to me that not a single individual within the company can review my account and make the necessary corrections. I have no faith in the process, nor would I ever know if after the corrections the remaining balance would be correct ( depending on how payments are posted ).
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT
On XX/XX/XXXX I used my US Bank account to fund a transaction in error. I did not realize I used this account until XXXX in which I immediate took action to resolve the issue. I updated my address and contact information, contacted US Bank about the fees assessed against my account ( {$36.00} on XXXX, {$25.00} on XXXX, {$36.00} on XXXX when the fee originally fee could not be charged - this charge should not have occurred ), {$25.00} on XXXX ). Over the phone, I was told that they could only waive the two {$36.00} fees because the two {$25.00} fees were placed by the branch. I moved to NJ, there is not a US Bank near by, I had a friend make two deposits into the account on XXXX, which left the balance negative {$49.00}. He spoke with the US Bank in Nebraska who said that they ca n't waive the fee, that the branch where the account was opened is the only place that can waive the fees. On XXXX, another {$25.00} fee was placed for being negative for more than 7 days. On XXXX an automatic payment was made which resolved the negative balance. 

I called the local branch where I opened the account and XXXX denied my request to waive the fee. I called the CS number and they said they could not help because they can only waive 2 fees a year. I 've never had a fee in my 8 years of banking with them. I asked for an exception and was denied. I spent over 2 hours on the phone trying to get my issue resolved. 

I would like to understand how the second {$36.00} fee was charged, it does n't make sense or seem fair that a bank can charge a fee for their own fee being declined. And the last {$25.00} fee would not have happened if the bank teller on XXXX provided accurate information that the bank would not waive the two {$25.00} fees to start with.
I have had a citi credit card for a long time, since 2007. In fact it was one of my highest limit cards ( about {$14000.00} line of credit ) and one of the oldest accounts I had. I had not used the card for quite sometime and all of a sudden it was closed without any prior notice to me. I just received a message saying my card was closed. There was no balance on it but if I had known my card would be closed for non-usage, I would have used it! I believe Citi did this because they wanted to switch away from the old rewards system model for that particular credit card. 

I believe their action has adversely affected my credit score and I did not deserve this. I did not receive any notification prior to being emailed that my account was closed.
On XX/XX/XXXX, and then again on XX/XX/XXXX, a demand for validation was sent the company posted Certified Return Receipt Requested. Other than the Return Receipts there has been no response to date. 

Omega RMS, XXXX XXXX, MO. continues to verify to the XXXX Credit Bureau that the debt is valid. There is no agreement with my signature on this company 's letterhead. 

Additionally, on XX/XX/XXXX, and then again on XX/XX/XXXX, a demand of XXXX to provide a method of verification has been repeatedly ignored.
Jcpenney have me on collection for nothn owed in XXXX never had a card from them. XXXX also has a collection from XX/XX/XXXX that I have never applied for or owe anything It is a couple other debts that are from XX/XX/XXXX that are pass the 7 year s
I was unemployed for the bulk of XX/XX/XXXX and fell behind on my credit card payments with Citi Bank/Best Buy Mastercard. In XX/XX/XXXX I called to start a payment plan with them to return my account to a current standing. I was told by the representative that if I made XXXX payments of {$88.00} each my account would be brought current again and I could begin to use the card again. I made my XXXX payment in XXXX. In XXXX I received some extra income and called to see how much of a payment I could make to become completely current and under my credit limit. I was told that my account had been closed in XXXX and that I could n't bring it current just pay it off. In XXXX I pulled my credit report and found that the account was n't actually closed until XXXX, meaning I could have saved the account and only had late payments instead of a closed account on my credit report. Citi is still charging late fees to the account monthly, and was even charging late fees while I was on a payment plan with them.
i deposited my normal monthly amount work payroll check from my employer on XX/XX/18 and was given a receipt and told by the teller that my funds would be available the next day XX/XX/18 at XXXX XXXX. bank of america changed my status the morning of XX/XX/18 after I was told by the teller and via my online account access that it would be available XX/XX/18 at XXXX XXXX, they changed to hold til XX/XX/18 after XXXX XXXX. this caused a delay in my bills being paid in a timely manner without consequences
I received a letter from Bayview in XXXX stating that I had successfully completed my loan modification program. It detailed that Bayview would be reviewing my monthly payment, interest, escrow and principle amounts and adjust my account accordingly. Then I would be contacted once this process was completed. 

I am unsure what happened internally in regards to closing my loan modification. As I have not received any additional notification from Bayview. My account is currently showing 3 months past due and I am receiving letters from Bayview about financial assistance. I recently received a letter stating that I have been assigned to a specialized team to assist in bringing my loan back on track. 

It stated that I need to contact them for assistance. I have attempted contact 15 or more times. An automated system states that their office is closed. However, I am calling during business hours. 

My loan is not off track ... My payments have been drafted via EFT from my account each month. I have spoken with several associates and supervisors, in an attempt to remedy this issue. I have been told that tasks and requests have been opened to ensure my outstanding payments are applied. 

Bayview is currently holding {$2200.00} in suspense. I have notified Bayview by phone, their online portal and email. I have requested a copy of my payment history and note in an attempt to facilitate a review and correction. In addition, I have notified them that I would file this complaint if these issues are n't resolved. 

In addition to the payment issues. I have requested that my name be updated as I was married in XXXX. I have uploaded the required documents directly to their website as well as emailed them. An associate did confirm that this documentation has been received, my name has still not been corrected. 

I am unsure how to proceed at this point, as there has been no resolution and all numbers I have tried to call have produced a automated response that the office is closed.
This letter is in response to your letter on XX/XX/2017 related to the debt referenced above. I have settled this debt and paid it in full. However, since this was done over 3 years after the property in question was short sold, paying off this debt has restarted the clock as to when the last action on the property took place to when the debt was paid.

I have paid this debt in full, and it has severely damaged my credit, and took away my ability to buy a house. I am requesting that you delete this account, since it is no longer open, and is paid in full, it will not harm you to now delete this item.

According to The XXXX letter reporting a derogatory account IS a collection activity, and after the debt is settled ALL collection activities must cease.

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below.

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary.

Furthermore, you have the ability to change the listing since you are the information furnisher.

Please forward your agreement to the address listed above. You have 10 days to respond to this letter. I will be in contact with you to resolve this matter ASAP!

I was tricked into paying off this account but the companies council. This was only months before attempting to obtain a mortgage, this showing on my credit report as recently paid did extensive damage to my credit worthiness. This account was well passed the SOL period where it should be affecting my credit report.
I recently contacted the CFPB to dispute a late payment that American Express is refusing to move for XX/XX/XXXX. I did not have additional documentation at the time but have gathered my statements. American Express is claiming they are reporting the information correctly, that my account was 30 days negative for this month. However, my statements show consistent payments during this time. I have not disputed the accurate information from previous late payments, only this one that was made in good faith to get back on track with my bills. My XX/XX/XXXX payment was received XX/XX/XXXX through the agency, and my credit report shows it as on time. My XX/XX/XXXX payment in question was received on XX/XX/XXXX yet it is marked as late. AmEx has not even reported payments after the XX/XX/XXXX, evidenced by the screenshot. When I try to correct this, I always get told about the integrity of the credit report, but it appears to me based off my statements and the other months on my report that AmEx is more concerned about saving face than admitting to an error.
Credit report states that XXXX XXXX credit card was closed at customers request. 
I did not request it to be closed. Actually I never asked for it to be reopened. I quit using it maybe 8 to 10 years ago when they began charging a yearly fee to receive rewards on it. Other companies did not do this so I started using a different credit card and XXXX XXXX issued me a different card with no rewards. I've never used it either but it has always been open and still is. Then a couple years ago the original card showed up again. Now about 4 months ago my credit report says that the old card was closed at the customers request. I never requested it to be closed or even be reopened. Also it was showing that I had {$1.00} in rewards still on it which naturally disappeared also.
I sent a letter dated XX/XX/2018 to Way Point Resource Group for Validation of the alleged debt that mysteriously appeared on my credit report. I did not open this account reported on my credit file. I don't Know who this company is. I specifically asked for a signed agreement and other supporting documentation. The request was not adhered to they never responded to my letter and Way Point Resource Group continued to report to the credit bureau for the alleged debt. I never received a billing statement from this company I don't even know who they are. Way Point Resource Group have reported the information to the credit bureaus that I am asking to be deleted. The account does not belong to me. I opened a identity theft complaint with the credit Bureaus on XX/XX/XXXX and since the identity theft complaint, I have not received an update from Way Point Resource Group. The only update I have received was from my investigation results with XXXX  that the account was deleted from their bureau but the other Bureaus continue to report on my file.
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report
I had deposited  XXXX  checks into my us bank account on  XX/XX/XXXX   XXXX  for  XXXX  and  XXXX  for  XXXX . The funds cleared and showed available on  XX/XX/XXXX . I tried to use my debit card and it did not work even though there was over  XXXX  in my accounts. My employees were also turned away and not allowed to cash their paychecks again the accounts showed over  XXXX  available but the bank refused to allow me access to it. On  XX/XX/XXXX  they requested a copy of the customers bank account where the checks were from. I got my customers bank statement showing the  XXXX  was out of his account. Then on  XX/XX/XXXX   XXXX  at  XXXX  us bank location manager said they are closing my accounts and she is sending it to their fraud department. Then after several calls back and forth from fraud to the branch, I have been given so many different stories about when they will give me my money. They wrote me a letter on  XX/XX/XXXX  stating the account closure and my funds would be mailed in 15 days. That would have made the date around the  XX/XX/XXXX . When I called again after not receiving my money they said they are still reviewing my accounts and waiting to verify checks that had already been verified. Another story, then I called at the  XX/XX/XXXX  be still being reviewed by fraud, my branch manager said I should n't call them any more I should call fraud, when I called fraud they said the funds are with my branch manager.  XX/XX/XXXX  the fraud department said they released the funds to my branch. My branch said it hey do n't have them yet. I have lost my employees, I have lost my customer, I could n't pay my bills or my daughters   XXXX  school while us bank is playing games with my money I worked for over a month ago. How can I stay in business. This has been so   XXXX   and I have even had to seek medical treatment  for all of he overwhelming amount of pain this has caused me and my family. Please help me get my money from this dishonest bank.
Experian credit reporting. I disputed all the items on credit report. I got all the items disputed and investigated. They were deleted off of my credit report. But Experian placed the items back on my credit report. I was not notified of the reinsertion of the items. And the inquiries I did not authorize. I never heard of them.
I have been disputing and demanding deletion of accounts and inaccuracies on my credit report for weeks now, and EQUIFAX has not only been ambiguous, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. NOT MINE BELONGS TO A DIFFERENT PERSON WITH SMILIER INFORMATION. Please be advised that this is not my account, but a detect sent pursuant to the Fair Practices Act 1 : USC 1692g Sec 809 ( b ) I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information?
Checked my credit report and it is showing a delinquency on a credit card that I do not have. Says I have a past due balance with XXXX and I do not have a XXXX card.
On XXXX XXXX, XXXX I purchased a XXXX Nissan Altima VIN # XXXX from XXXX XXXX XXXX XXXX XXXX. I noticed after a few days that the vehicle had transmission problems and returned the vehicle on XXXX XXXX, XXXX. The same day that the vehicle was returned I purchased a XXXX XXXX XXXX XXXX # XXXX. I was told that my first payment for the XXXX Nissan would be due by XXXX XXXX, XXXX and per my contract the new loan was financed through the same company as the XXXX Nissan which was Santander Consumer USA. In XXXX XXXX called Santander to make my payment and was advised at that time that I was never approved for the XXXX Nissan and that I owed a payment on the XXXX Nissan that was returned. Per the representative at Santander she recommend that I contact the dealership to inquire on when they will be submitting the documents on the XXXX car and providing the contract for the XXXX Nissan. I have called XXXX XXXX XXXX XXXX XXXX several times and no one has ever returned my call regarding the issue. The only calls that I have received from the dealership have been reminder calls regarding upcoming oil changes. 
I have contacted Santander USA several times as well and per my phone call on XXXX XXXX, XXXX the representative advised me that I am behind on the XXXX Nissan in the amount {$2700.00}. He also stated that the vehicle is out to be repossessed and my issue is not with their office it 's with the dealership and that I will be responsible for the deficiency balance once the vehicle is sold. In addition to the inconvenience of this whole entire situation I have also received an Adverse Action notice dated XXXX/XXXX/XXXX stating that they pulled my credit on XXXX/XXXX/XXXX and due to several reasons they have denied my loan. The problem is I never applied for any loan with Santander on XXXX/XXXX/XXXX. I purchased both of the vehicles in XXXX and that was the only time I authorized my credit to be pulled. My credit score has now dropped due to Santander reporting past due payments and a charge-off as of XXXX XXXX, XXXX. No one will help me get this issue resolved and at this point I 'm considering getting an attorney because I feel that the Santander and the dealership is trying to stick me with paying for a vehicle that I returned to the dealership months ago. Please also note that Santander is listed as the lienholder on my current contract for the XXXX Nissan Altima however they state they have no record of the car only the XXXX Nissan Altima that was returned to the dealership on XXXX XXXX, XXXX. Please help me to get this issue resolved.