WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased from  XXXX . At that time I opened a credit card, as I was offered reward credits. I called many times requesting a bill and amount of rewards. After many months I finally received a bill with lots of late fees. I was told bill was sent out. I do n't believe it, I have lived here 27 years, I have always receive my mail. I called Comenity Bank and was given an balance of bill without fees ( I trusted their figures  ). I i mmediately paid over {$1000.00} and considered the bill paid in full. Within a month  or two I re ceived a bill for {$2.00} to {$3.00 } hundred dollars. I w as told there was an error, the finance fees were not removed.  Said he wo uld remove finance fees, again, I was paid in full. Next bill continued to have finance charges. and late fees. Next call : I was told finance charges are never removed. Each month late fees are added. I plan to call   XXXX   XXXX   office. I am  XXXX   XXXX   XXXX  and always have had excellent credit.   Please advise me.
For over two months, we have gone to the website, XXXX, to try to pay off my son 's Perkins Loan. First 2 times I called and was given various info but wouldnt ' let me pay the loan payment because it 's my son 's account - I 'm his mom and I 'm on the loan papers ( which is ridiculous since I am giving them money, not trying to take it out! ). Secondly we can not get online because after 2 months, we still keep getting error messages ( see below ) that either tells us either the account is no longer with them ( but they do n't say where, why, what, anything ) or most of the time it still says it 's not available but try back later. So we mailed the payment in - it took 4 weeks to get credited for our payment XXXX XXXX for XXXX XXXX payment but posted XXXX XXXX ( it went to XXXX, XXXX, but the check is payable to XXXX, XXXX - we live right next to XXXX in XXXX, XXXX, but we ca n't take it there just to pay it faster, they wo n't take it ), then they submit that payment as a late payment to the credit agencies! We again have tried to call and pay or pay on the website but the hours are only XXXX-XXXX ET, Monday through Friday. During that time period we both work, and can not call them ( my son is in a XXXX, I work for the XXXX leaving the house at XXXX XXXX. and getting home anytime around XXXX XXXX. ) except the few times we tried to call at about XXXX XXXX, we were either put on hold forever or no one answers at all! When we try to pay online and it continues to indicate ( still after 2 months ) try back later? Now we have to mail it in again ( now it says a different company owns them - a XXXX company - ECSI? ) and now it will take them another 4 weeks to post and we will again get credited as a late payment! This is so frustrating! We have no answer why we ca n't pay online, and every time we call, either I get a road block or my son ( its his loan ) ca n't get someone to answer the phone. All we want to do is PAY THE LOAN OFF! and they are making it impossible and ruining credit scores at the same time!
This debt is not mine. I fought this off with the credit reporting agencies due to the many debt collectors collecting on the same account and claiming different balances. This debt collector represents an old debt and is duplicate reporting. I recently got a letter from Convergent asking for more information in order to dispute this debt since I disputed it with XXXX. With XXXX I had no issue to get it off.
I have been disputing a charge off account with XXXX  and Experian for months. I have even given them a letter from the creditor on their letter head stating what social number they have on file for this person with the same name as mine. They still are saying this doesn't meet their criteria to remove it off my report. I asked what is the criteria and the response is they can't provide it to me. 

What else can I do to get them to remove this negative item?
I didn't authorized ( authorization ) too view / pull credit for new accounts!!! 
( Identity Theft Victim - Equifax Data Breach )!!! 

Inquiry details : XXXX!!! 
XXXX XXXX  Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX XXXXnquiry from XX/XX/2018 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank Inquiry details : Equifax!!! 
XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 Television & Radio
On XXXX XXXX, 2017 I took out a loan from My Quick Wallet online. The total amount is {$1200.00}. They called me to confirm, however, they did not tell me about their extreme interest rates and how much my payments would be. I believe this kind of Tribal Lending to people in other states is illegal and I can not even attempt to pay their huge interest rates.
Identity theft some one stole my identity to open two fraudulent XXXX XXXX XXXX credits cards XXXX XXXX XXXX XX/XX/XXXX Amount {$520.00} XXXX XXXX XXXX XX/XX/XXXX Amount {$720.00}
I have sent multiple letters to TransUnion. I received a copy of my TransUnion credit report and it showed credit inquiries that I did not authorized. I understand that unauthorized inquiries should not be placed on credit files. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible purposes. 1. XXXX XXXX XXXX. XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX
I previously submitted a complaint on XXXX, XXXX, and Equifax, they responded, and it was closed. 

According to the Fair Credit Reporting Act, XXXX, XXXX, and Equifax are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.
I have been making monthly payments for years to XXXX XXXX and then Navient and have been surprised at how slowly the balance is decreasing. I requested a statement that includes all payments applied with a running balance since the start of repayment and can not get an answer from Navient. I pulled a statement from the website which only goes back ten years which is in correct however when I add my payments in this statement the total is {$22000.00} paid on a disbursement amount of {$24000.00} ( balance transferred from XXXX I believe not an actual disbursement ). The website states I owe $ 12k+. I ca n't gauge the accuracy of how my payments have been applied including payments on principal. Also why does Navient not publish complete accurate information so borrowers can assess how and if it is interest prolonging terms and high balances. According to the website my loan will be paid off in ten years. But technically looks to me I owe $ XXXX.
Citibank has not credited the new account bonus as promised. I deposited $ XXXX for a new account on XX/XX/XXXX and should have received the {$400.00} bonus by XX/XX/XXXX. 
Till date XX/XX/XXXX bonus not deposited. They keep on doing investigation but not depositing the money. On first investigation they confirmed that account has met ALL conditions and will get the money by XX/XX/XXXX. When money was not deposited they did another investigation and then they gave a separate reason ( XXXX compliant ) for why the bonus was not credited. This NEW CONDITION was not mentioned in first investigation. Then on XX/XX/XXXX the account became XXXX compliant but till date no money has been deposited. On XX/XX/XXXX they started a XXXX investigation and are now saying that it will take till XX/XX/XXXX for investigation to complete. Citibank has delayed they deposit of {$400.00} intentionally. Money should have been deposited by XX/XX/XXXX.
XXXX XXXX XXXX ( XXXX-XXXX ) They 've taken it off my report and re added it before investigation was done, and took more then 30 days to initiate any type of resolution. XXXX XXXX XXXX Did not even submit it to company, had results before Day was over, so did not try to get correct information on account as it 's settled. XXXX and Transunion. 

XXXX XXXX XXXX XXXX {$460.00} XXXX They did not contact creditor to update, settled account, this account was n't even mine, documents sent to creditor and submitted to XXXX, Transunion should not be on report as shown. 

XXXX I have no liability for this account and should be removed, this account has transferred to new account with student XXXX XXXX, and was in a criminal investigation and letters and file block was sent to XXXX per the XXXX XXXX XXXX, FTC and should be removed. XXXX XXXX and Transunion both have continued to lock me out of viewing and correcting my report by submitting documents, emails, and other forms of proof to substantiate my claims as they will not abide by the laws of the FCRA and should be held liable as pursuing legal actions toward them, other bureaus have used submitted documents and removed accounts in question. I constantly have fraud alerts added that I do not initiate and do not want or need on my reports and want that stopped immediately.
In XXXX I lost my job and couldn't pay on an unsecured installment loan from HSBC. I had been making payments up until the point I lost my job so the balance owed was only {$2900.00}. It went into Collections where XXXX XXXX XXXX ( XXXX XXXX XXXX ) took over for recovery. They then put a judgment on me. I had signed a confession of judgment which I would it was my bill and made arrangements with them to take {$50.00} a month out of my check. This went on for 5 years from XXXX XXXX. I had paid them {$2700.00} over that time and they stopped taking money out of my bank account so I thought the bill was satisfied. It was only until this month XXXX when I tried to refinance my home that I found out they had put a {$4000.00} lien on my property. I called XXXX and tried to find out why. They had advised me that I defaulted in my payment arrangement by not recertifying with them to take money out of my account which I have never done for the 5 yrs they were doing it. They said I was sued ( with no notification or summons for me to appear in court ) and pre-judgment, post judgment plus other fees were added totally now {$4600.00}. 
I was very upset since I cooperated fully with repayment and was doing my part to clear up this debt. I am also very upset that paying in good faith they could not settle the balance owed as paid in full as a lot of creditors do since the left balance was only {$280.00}. I tried to explain that I DID NOT default in my payment arrangements but THEY DID by stopping my payments. They were uncooperative as to helping me rectify this as I pleaded since the balance was only {$280.00} I would pay and they could take lien off and they told me they could not do that because now the creditor wants all their money. I am very upset and would so like to clear this matter up. I do not have {$4600.00} and feel THEY defaulted me and THEY SHOULD clear this up for me. 
Please help.
When I signed for the loan through XXXX said the loan was for 15 years. I needed a cosigner at the time. After repairing my credit I tried to have the co-signer removed only to be denied. My cosigner passed away and I submitted the certificate of death and they have still yet to remove her ( it 's been over a year ) Navient said a law firm XXXX would contact me. No letter has ever come. In this process I found that when XXXX sold my loan to Navient they changed the time period to 21 years. My loan was for XXXX and they did n't apply anything to the principal until just recently. After the loan is paid in full I will have paid XXXX dollars for a XXXX dollar loan. I 'm half way through repayment and my payment is XXXX dollars a month which is on auto debit. It 's more than my car payment. Everytime I have emailed they show no track record of it in the Online inbox and have yet to follow through on the co-signer issue as well as sending me a original copy of the XXXX loan.
Just received results of  a 2nd  dispute with  XXXX  for the same issue and there is no way  XXXX  verified the account status.  XXXX  is still reporting the same inaccurate information. Please see attached documentation.
I noticed an inquiry from Factual Data that I do not recognize or approved. This inquiry is from XX/XX/2017 and the only contact details I see listed for Factual Data is XXXX, PAXXXX so I wasn't able to contact them about this issue.
I received the complaint the response from the Regions Bank with complaint # XXXX whereas the bank did not answer the question about them charging overdraft the same day the overdraft occurred. Because of this situation, I have no alternative but to find another bank. I do n't want to be associated with Regions bank whereas they think only about themselves and not their custom. I am in the processing of changing bank because I was originally with XXXX was a better bank. Regions did not address my concerns. I want the company that oversees banks to see if Regions was violating the laws by putting through the overdraft the same day that the check came through. This was not the case. This is done if you have their overdraft protection. Please have the agency that oversees the bank look into this matter. The response that the bank submitted did not answer my complaint.
Yesterday evening, XXXX XXXX, 2017, I was in the XXXX XXXX XXXX Store ( # XXXX ) and purchased a XXXX  bundle. 

I had had a XXXX XXXX credit card for years, also through citibank, ( always in good standing ) however earlier this year it had been shut down due to inactivity. To purchase my new camera and take advantage of the 18 months zero interest financing that was being offered, I applied for a new XXXX XXXX  credit card ( through Citibank ) in-store. Before approving me, the sales rep was prompted to call the bank for further information. I spoke with them, verified my social, DOB, address, and cell phone number where they sent me a text with a code that I had to read back to them. Thereafter I was approved for a {$6000.00} credit limit. 

After attempting to use my new XXXX XXXX credit card to make my purchase of {$2100.00}, it was declined. The sales rep was then prompted to call the fraud department. The fraud department with the bank kept me on the phone for well over 30 minutes ( and after the store had already closed ) transferring me from person to person keeping me on hold for extended amounts of time which seemed intentional, hoping I would give up and disconnect, and then finally sent me to a manager. The bank told me they could n't verify my identity because my cell phone number did n't come up in my name when checking public records. Yet, the SAME bank just verified my identity by sending me a text message that I had to read back to them- which was good enough to approve me for a credit card but not make a purchase? How my phone number has anything to do with my new credit card I was approved for I do n't know ; however, checking public records and using the information to determine credit eligibility and verify someone 's identity is against FCRA, the Fair Credit Reporting Act. It is absolutely ridiculous that they 'd approve me for a credit card, however, would not allow me to use it. At the end of it all, I applied for a credit card, which hurts my credit score, for a credit card that I was n't allowed to use and now absolutely refuse to use. 

I worked at XXXX XXXX for over 3 years and have never seen this type of thing happen, not once. I plan to take this as far as I need to get this rectified. 

Thank you for your time.
I have notified Chase in 2014 making them aware that an account was fraudulent and submitted the fraud form to them- they closed the account but is yet to remove it from my credit report upon multiple requests and I am now being denied mortgages due to Chase XXXX incompetence. I have filed a police report, FCC Complaint and they will not remove due to an alleged application they have from me. I told them I have never signed an application and I can not get them to remove the account.
Several times now supposedly TD bank has specifically either not correctly updated my address or has updated my address to the wrong address for no necessary reason despite explicit instructions otherwise.
Someone took out credit cards in my name with out my consent. I have not authorized anyone to use my name or ss #
Twice now within 2 weeks I am having problems with money being sent to me via PayPal that does not show in my PayPal account. The first time it seemed to be due to some glitch with their new website that seems to be missing some features or pages of their old/classic website. Both times money was sent, that I could not withdraw. I could see the transactions saying I had money, but it would not reflect in my account. Basically PayPal received money on my behalf I could not withdraw. The first time the transaction was reversed and the money was sent outside of PayPal entirely. Which seems to be my only option at this time. All I am being told is there is some system issue they are working on with no time estimates when it will be resolved. Yet I am able to receive payments before and after this transaction and withdraw those funds. I am not sure what is going on at PayPal, but if they can not handle others money properly, maybe they should not be allowed to do such at all. Something does not seem right, and it is beyond system issues.
On my Care Credit account I had some promotional purchases with deferred interest for 6 months, which would have 26.99 % interest if not paid off by the end of the promotional period. I also had some purchases with fixed payment reduced APR until paid off. According to my XX/XX/XXXX statement, I had XXXX promotional purchases totaling {$650.00} and XXXX reduced XX/XX/XXXX balances totaling {$1500.00}. I then paid {$1000.00} prior to the XXXX XXXX due date, expecting that this would completely pay off my promotional balances and also make a dent in my reduced APR balance. When I received my XX/XX/XXXX statement, I found that only {$15.00} of my {$1000.00} payment had been allocated to the higher-interest promotional balances, and the rest had been applied the lower-interest balances. I contacted Synchrony Bank by phone and a representative said he was fixing it so the payment would be applied to the promotional balances. He had no explanation for why my payment had been allocated improperly in the first place, other than that this was the way the computer processed it. He had no explanation for why the computer had been programmed to process it this way, or whether this has happened before, or how many other people it has happened to. I request that this be looked into to find out if Synchrony Bank is routinely engaging in this kind of practice to keep customers from paying off promotional balances in time so they can collect the high interest on those balances.
Closed on a mortgage with XXXX XXXX and the servicing was immediately sold to Dovenmuehle Mortgage in XX/XX/XXXX. We received 1 mortgage statement on this loan and have yet to receive another one. We started calling Dovenmuehle in XX/XX/XXXX to see what was happening and were assured that statements had gone out but we never received them. Called again in XXXX and was told the same thing. We went online at the end of XXXX and requested to receive e-statements since we were not receiving them via USPS. Once the e-statement was published, we realized that Dovenmuehle Mortgage had changed the zip code in our address by one digit and that was causing the mailing address to be in a different town and a different state! We attempted to call Dovenmuehle to have this corrected and we were instructed to send an email. After a couple of weeks, we received a response saying that an email was unacceptable and they needed a signed letter. We responded and asked them to please review the documents that we signed at closing - our property address and mailing address were and always have been the same. We received a message on line after 2 weeks saying that the address was corrected but the message was addressed to someone else, not our names. To date, we have yet to receive one piece of mail from Dovenmuehle Mortgage. We logged into our online account with Dovenmuehle today and discovered that they had put lender  hazard insurance in the amount of {$7900.00} on the account!!! We do not have an escrow account with this loan and we do have hazard insurance in place. Apparently, they sent a notice to the incorrect mailing address that we have been attempting to correct for proof that the hazard insurance had been renewed in XXXX and when they did not receive a response, they forced a policy on the property. We spent quite a bit of time on the phone trying to even figure this out. Considering that we have been calling Dovenmuehle and emailing and sending messages through the website, the customer service level has been absolutely awful!! Our insurance agent is contacting Dovenmuehle to get them the insurance policy but the way we have been treated by Dovenmuehle is abominable and the incompetence that seems to run rampant throughout their organization is frightening. We do n't know who to turn to for assistance since we can not seem to get any answers from Dovenmuehle Mortgage.
Receivables Performance Management LLC ( RPM ) has been relentlessly harassing me for months in regards to a debt of {$3700.00}. The creditor is XXXX and RPM is contacting me on XXXX 's behalf to retrieve this amount. I have received repeated letters claiming I must pay this debt. OnXX/XX/XXXX, they mailed another letter claiming XXXX is even willing to " remove my collections '' if I pay 60 % of the total debt ( {$2200.00} ) before a certain date. OnXX/XX/XXXX, I received a pink letter from RPM with an ominous title " You failed to respond. '' This comes to me at a surprise and severe annoyance because I have never once in my life been a customer of XXXX before. I even called XXXX to verify this and they affirmed that I have never opened an account with them. I am not sure how Receivables Performance Management got hold of my address and information and decided to take it upon themselves to harass me for money I do not owe, on behalf of a company who I'm not serviced at.