WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX   XXXX   XXXX   XXXX  shows me as 90 days late on a payments from  2015 . All  XXXX  credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.
Capital One is reporting an account on my credit report that was found to be in violation of the Fair Credit Reporting Act. I hired XXXX XXXX, an FCRA attorney in New Jersey, and we were able to sue them and the credit bureaus, and I won. As part of the settlement, they agreed to delete this account on my credit report but I see that it is still on there. I even disputed it with the credit bureaus and they came back and verified it. Is n't that another violation of the FCRA?
A collection account just appeared on my credit file, this is unknown and NOT mine. I called this company, gave them my full name and last four of my social and my personal information isn't even in their system. How can this happen. This needs to be removed ASAP
I have wrote the company several times to provide me method of verification on the submitted accounts. They are claiming to verify accounts but are not providing me the feedback I requested in the complaints to support their findings. They are required by law to provide me with the proof they used to verify my accounts, this keeps the creditors and the bureaus honest by only reporting what they can prove and what is provided by the source
I filed an identity theft report through the FTC. I then provided said report to all three credit monitoring agencies with the request to remove all accounts marked as fraud and identity theft. Equifax has removed 3 fraudulent account but refuses to remove the remaining two fraudulent accounts from my credit report stating that that is their company policy. The accounts in question are XXXX and XXXX XXXX.
I deposited funds from a real estate transaction on XXXX/XXXX/XXXX. Chase has placed a hold on the funds until XXXX/XXXX/XXXX. Chase is collecting free interest on my money, instead of allowing that interest to accrue to me.
My name was changed on my Experian credit report starting the date of the fraud document with the bank. I have sent all my information to Experian 2 times. Today I received mail from them again under the name XXXX XXXX XXXX, My name is XXXX XXXX XXXX. At this time I am not sure what other information in my report is wrong because I have not been able to get to a report in the last year. Thanks.
I became aware someone stole my identity and was opening credit cards I did n't apply for in my name. I called Transunion and placed a fraud alert on my credit file. I then tried to obtain a copy of my credit report from Transunion ( through the " www.annualcreditreport.com '' website ). Transunion has blocked or " masked, '' as they say, my social security number, and will not allow me to access my credit report. After numerous hours on the phone with Transunion phone reps, they acknowledge the problem but Transunion refuses to correct it despite my numerous requests. As I have explained to them, I need to check the credit report to make sure there is no other unauthorized activity. All the Transunion reps have done is transfer me back and forth among three numbers ( XXXX, XXXX, and XXXX ) but none of them have helped me access my credit report or provided a solution to Transunion 's acknowledge problem. I am out of options with Transunion. Maybe the FTC can get them to do something before my credit is ruined? Maybe they 'll listen to the federal government, they sure do n't give a darn about consumers. Thanks for any help you can provide.
ENCLOSED YOU FIND A FORENSIC AUDIT SHOWING THAT THE TRUST NEVER RECIEVED MY LOAN AND THAT THE SERVICER AND WELLS FARGO HAVE FRAUDED THE COURTS AND I WILL LOSE MY HOME BECAUSE OF THIS FRAUD
I requested a " free '' credit report from a website recommended by my attorney for legal proceedings. I was never warned as I proceeded through the site to obtain my free report that this action would result in an unwanted " membership '' with Experian. Experian has been charging me {$19.00} a month for " credit monitoring '' to the credit card that I used to " verify '' my identity when I ordered the original " free '' report. Experian has agreed to cancel the membership but refuse to reverse the previous charges. 

It is evident that the free credit report website redirected me to Experian and somewhere in the background I unknowingly agreed to the membership. Most likely, this membership agreement was buried in the " terms of use ''. I am so angry because this is a company that is suppose to " protect consumers '' but are actually " stealing people 's money ''. Please do something about this.
back in summer of XXXX got behind because of wifes health owed two payments so they set me up on repayment plan that added XXXX more dollars for six months well i paid three payments then another medical problem couldnt pay so they put me behind two payments sent me letters of forclosure so i contacted them so they set me up on another six month plan raised my payment XXXX, XXXX again piad four payments had brother dieing in texas call the bank told them would make payment on XXXX paid payment they sent me statment saying i was two months behind both times i dont know where extra money went so i ask them but no reply so i barrowed money to catch up sent them XXXX to catch up so when i pulled it up on line showed i paid XXXX XXXX XXXX XXXX XXXX so i called them they said dont worry it was applied my payment was XXXX amonth so i got statement for XX/XX/XXXX.00 cant afford that dont want to loose my home iam a XXXX vetran need help they also charge me XXXX for mortgage protection i ask what was that was incase i die before mortgage is paid off i asked if that paud off mortgage they said no so im just giving them an extra XXXXamonth for nothing so i would like help if possible respectfully sumitted XXXX XXXX .00
On or around XX/XX/2018, I contacted the Chase Bank customer service number regarding fees on my checking account. My concern was escalated to a supervisor that ultimately resolved my concern by agreeing to refund me {$280.00}. After only seeing {$48.00} refunded, I contacted customer service again. I spoke to several individuals with no resolution. They said a supervisor would contact me, but no one did. I tried several other ways to contact them via email and responding to their call survey but still never received a response. I stopped by my local branch and spoke to someone that then spoke to the branch manager, and finally said they had to pass the issue to the Branch Complaints Escalation Group. XXXX with that group said she would offer me an additional {$48.00} refund. Her supervisor, XXXX, also said the final amount being offered would be {$48.00}. He refused to let me speak to anyone else regarding my concern. I find it unacceptable that I was told I would receive {$280.00} but am now only being offered {$96.00}. Everyone I spoke to has confirmed I indeed was told I would receive the full {$280.00}, but everyone now says they have no authority to refund what I was promised. A company should have the integrity to stand behind their offer to resolve a customer 's concern.
The past 4 years I have appealed and waited for XXXX and have been able to save my home. Following a Fully Favorable decision being deemed XXXX XXXX XXXX my check arrived late XX/XX/XXXX. I was attempting to reinstate my loan in full starting XX/XX/XXXXand was told they had to request a reinstatement total. I had not received the total and called repeatedly. I was told my request would be " escalated '' which would produce the total in 24 hours which I was promised for close to 1 month. I spoke with numerous representatives and supervisors minimally 3 times per week only to be told they were stumped as to why the RQ was not available. On XX/XX/XXXX. I received notice a NOTICE OF DEFAULT that had been filed with the County Clerk and XX/XX/XXXX received my reinstatement quote dated XX/XX/XXXX with an additional fee for the filing of the Notice Of Default. There was no question I would be paying all past due money and feel delaying me 30 days with lies was unnecessary.

It is common knowledge what having a Notice of Default filed generates. People knocking on your door, mail with postcards claiming how to save your home, phone calls daily. It lasts for months and is humiliating. I do not feel it is fair if I was attempting to pay being held in limbo for a month to allow for these extra charges and the humiliation involved. I expressed my feelings to many representatives was told it would be best to pay the fees becoming current then contest the charges. I did just that and did not receive any response other than the acknowledgment of them receiving my grievance.

My Reinstatement Quote was good through XX/XX/XXXX yet I learned after paying the XX/XX/XXXXpayment had not been included and needed to be paid immediately.

In addition the following month within my payment was additional late fees and an escrow shortage ( a cushion ) which had raised my payment to {$1400.00}, an additional {$200.00} per month. I have attempted to resolve these issues yet have been told there is nothing that can be done. This resulted in an extra {$3500.00} total extra that I had n't planned for.

A reinstatement quote should be just that, all missed payments, late fees, ect. My escrow is not going to fluctuate as I have new homeowners insurance and my taxes are not expected to change. A cushion of {$700.00} is excessive and not warranted.

Please review my account and hopefully I can receive credit for fees paid and have my payment revert to the amount prior to the escrow cushion.

I actively have an application for Tax Postponement being reviewed for XX/XX/XXXXand XX/XX/XXXX which I meet guidelines and am expected to have granted.

I am currently being evaluated for a modification and hope my request for review will not affect the outcome as I should be able to have my account reviewed without fearing retaliation.
This payday loan was paid, I have no receipts to back this because my husband passed away and family removed all my personal documents of ours because of us being separated they turned against me and our children. This is an issue that just popped up on my report recently and it took points off my score this needs to be removed immediately it 's been since 2008 that I did any loan
Affiliate Asset Solutions Keeps repeating to call my home and cell number despite XXXX letter to them asking them to not call me and I will only accept correspondence via XXXX Mail. when i spoke to them on XXXX and told them this " XXXX '' said " we are not going to mail you every time we need to talk to you and will keep calling ''
I am filing a dispute against Mercantile Adjustment Bureau , LLC, for their failure to validate a debt and for harassing phone calls. Additionally, I would like to file a violation under the Texas & Federal deceptive trade act by XXXX XXXX XXXX for knowingly making false statements in order for me to purchase electricity service for a lower price and making false or misleading statements of fact concerning the reasons for, existence of, or amount of price reductions which resulted in a lump sum amount due of {$860.00}.
Discover Card ( Has denied Receiving Credit Card Payments so they can raise zero Percent interest Rates ) and ( Never Mails billing statements on time so they can raise zero percent interest Rates ) Discover Card has frequently forgot to mail my Statements. The Statements never were mailed. As a result they Dropped my zero Percent interest Rate and Raised it several Times.. 
The Discover Card Company also denied they Received my billing Payments so they could raise 0 % interest rate. It is unusually that all other Credit Card Companies received my Payments but Discover Card has a higher Rate of Lost Mail ....
I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to this company, XXXX XXXX, and XXXX XXXX  and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. It has been well over 30 days on more than one occasion, and neither XXXX XXXX or this bureau has done anything to address the creditors disregard for the federal laws. I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened all I know is I never had XXXX XXXX account. I found out that the bureaus collect money from creditors when it comes to credit reporting consumers. Read that the agencies make more off bad reporting than good which makes me think this is being kept on my credit report so this company can profit off my misfortune.
Bull City is reporting a medical debt from XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that is not my responsibility. I am fully insured by the XXXX, and the XXXX scheduled this appointment for me at this office. I told XXXX XXXX XXXX XXXX XXXX XXXX several times that this visit should be billed to the XXXX, but they never did bill it properly. Now they are having Bull City Collections report this bill on my credit report simply because they never billed it correctly.
Called Citicards ( Citibank ) to close out an unused account that is in good standing with a {$0.00} balance. I did not have a phone number that they could verify so they would not let me close the account. I have a cell phone only that they could not verify. They suggested I give them a number of a relative with a landline so they can send me a verification code. I provided my SSN and all of the proper security questions but they said I needed to have a verified phone number. I do not have anyone to call to have a verified phone number. All I want to do is close the account. I called two different times and spoke to supervisors but they told me until I get a verified number, there is nothing they can do. Very frustrated and need some help.
I got behind in my mortgage and sold the house on a short sale in XXXX 2016. Prior to the closing, in XXXX 2016, a tree fell on the roof and damaged the house. I called the homeowners insurance agent, and the agent came out and assessed the damage. The homeowners insurance gave me a list of contractor from which I chose a contractor to complete the repairs. The homeowners insurance cut a check, made out to the contractor, US Bank, the mortgage company, and me. I endorsed the check and gave it to the contractor. The contractor sent it to US Bank to be held until the repairs were completed. In the meantime, the short sale was finalized. The repairs were not quite done at the time of closing, so I got the approval of the contractor, the insurance agent, and the buyer to close. All agreed since the insurance company had already provided the proceeds for the contractor. The short sale was closed and the settlement statement was sent to the insurance agent to ensure that the mortgage had been paid. However, once the contractor completed the repairs, about two weeks later, the contractor was unable to get the funds from US Bank. US Bank applied the money earmarked for the contractor to principle even though they were paid out of closing the money they agreed to on the short sale. I called the claims department at US Bank. They told me they were instructed to do so by the default department. I spoke to the default department, and they told me that the mortgage assistance department was the department that instructed. I spoke to the mortgage assistance department, and they told me that I would have to speak with the claims department. No one there understands why the funds that were earmarked for the contractor were applied to principle, but I ca n't get anyone to take responsibility and reverse the error. In the meantime, the contractor has not been paid and is looking to me to make the payment. I ca n't afford such a payment. That is why I had homeowners insurance. I would like US Bank to pay the contractor the funds that were sent to them that were earmarked for the repairs to the property. I filed the claim correctly and did followed all the procedures required by the insurance company and the mortgage company. I would have preferred giving the funds directly to the contractors, but was told that the US Bank had to be included on the check. Now they have acted dishonestly and will not correct the problem.
Premium Assets has called our # numerous times over the past few months. We usually are not home to get a call and most times they do not leave a message. Several times they left a message and it may be for an estranged relative. Two weeks ago i was home and answered the call and told the woman, who would not give her name, that they needed to stop calling our #. She said they would remove our #. Today at XXXX a woman called again. I told her again to quit calling our #. She asked why we never answer the calls. I told her it was none of her business and that the person they are calling can not be reached at this #. She became snippy and finally said she would remove our # from their list. I told her i requested that before ... she said again it would be removed. at XXXX she called again. and before she could continue harassing me I told her that I had just talked to her and since she did not take me seriously I was filing a complaint with the ftc. She disconnected the call. I am not happy being hounded for a debt that is not ours. Please review this claim and if possible please advise this company that if they continue to harass us I will be filing more complaints. On several messages they have left they have advised that we are going to be served with legal papers if we did not respond by XXXX that day. Well many of those days have gone by and no one has shown up at our door with papers. I am tired of them continuing to contact us. 
Thank you
Id Name XXXX XXXX. XXXX ss # XXXX. I had maxed my credit limit on my US bank credit card # XXXX expiration date XX/XX/XXXX. I made a payment of {$63.00} XX/XX/XXXX while online and speaking with a representative, the representative proceeded to process another payment of {$63.00} which was not my intent because the second payment overdrew my banks account. I asked for the second payment to be refunded, which was granted. I then proceeded to my person bank when my checking account is held to consolidate this loan with my medical credit card ( XXXX XXXX ) so I could better handle my payments being that I am recovering from an illness/surgery. I was charged interest and late fees. The late fees was refunded. The problem began when I sought the true balance and was given this amount {$2300.00} on XX/XX/XXXX ( cashier check # XXXX from XXXX  XXXX XXXX XXXX ) only to be informed via my online statement that showed a different amount and me having a balance due amount of {$63.00} on XX/XX/XXXX and upon contacting the bank the representative tried to convince me that I still owed that amount. On XX/XX/XXXX there is a charge of {$29.00} on a purchase when I purchased nothing. Interest charge of {$.00} on a balance transfer. I never heard of this when I am paying the balance as I knew it to be. Then there as a {$4.00} charge for a cash advance, where did this come from? Today according to my online statement there is a new balance due of {$95.00}, where this come from, and how can the outstanding amount due continues to grow when the payment date haven't arrived. 
I am getting the impression that US Bank doesn't want me to pay off my account and is adding charges thinking that I am a female senior who doesn't know how to read and or do basic math and will just pay the amount shown and if not the above state fees will continue mounting. This is unfair business and banking practices. This is equivalent to payday loans or loan sharking.
On XX/XX/XXXX I submitted a dispute to XXXX for XXXX XXXX XXXX account number XXXX thats reporting on my credit report. The account came back as verified. On XX/XX/XXXX I submitted a method of verification letter to XXXX. I never received a response from them. I contacted XXXX  on XX/XX/XXXX and spoke to a representative by the name of XXXX. I communicated to him that I submitted a letter requesting validation/verification of the above account on XX/XX/XXXX and I had not received any response. He acknowledged that he received it. I asked him to delete the account since they failed to verify it. He specifically said the account was verified but they dont have to tell me how they verified it or what information was used to verify it. XXXX also stated they dont keep information in consumer files about the debt. I know this is against the FCRA because all accounts must be 100 % accurate, 100 % verifiable and 100 % timely. Other violations on this account includes inaccurate reporting. XXXX  is reporting a closed account status with a balance of {$520.00} and an open date of XX/XX/XXXX while Transunion is reporting an open account status with a balance of {$520.00} and an open date of XX/XX/XXXX. Also, XXXX  is reporting payment history on a closed account and the debt has increased several times. Transunion is reporting ND for the payment history and the balance has also increased several times. To my knowledge, all are against the law. Im requesting for this inaccurate and unverifiable account to be deleted immediately from each of my credit reports. This account has caused my credit scores to sink and Im being denied credit because of it. Thank you for your assistance in this matter.
Hello, In regards to Bank Account # XXXX On : XXXX XXXX, 2016 XXXX XXXX , CA, XXXX - {$93.00} This charege appeard on my Bank Account . Once I noticed the charge, I immediately called Ally Bank and filed a dispute against this merchant of which I have never done business with. I 've never heard of this merchant. 
I had a new card shipped to me, and have not heard anything about this since. 
That is, until XXXX XXXX, 2016, when this appeared on my account : XXXX XXXX, 2016 XXXX XXXX Dispute XXXX ( Reversal ) - {$93.00} I called into your Bank and pleaded my case that I have not done business with this merchant, and do n't think that this company and Ally basnk should be ripping me off for almost {$100.00}. 
Your representative stated that she spoke with a girl in the disputes department and she told her to tell me that I should call my merchant and see if they would work with me. EXCUSE ME? 
I was then placed on anoher hold, while the rep, called over to disputes again. 
So, a girl named XXXX is 3-wayed into the conversation and says that the Bank sent a request to the merchant with the dispute. The merchant sent the Bank back documentation to prove that it is valid, which she had in front of her. An argument ensued when I asked XXXX to show me the documentaiton. She says that she will open up a SalesForce case to get the information. This proves that XXXX XXXX from Texas lied to me. XXXX changed her story 15 times, when I demanded her Managers name and phone number. She stated that she was the Manager as if she hired herself. I demanded her employee ID #, of which she refused to provide. This bank is XXXX-like. 
If Ally bank refuses to give me my funds back, there will be an Attorney Generals complaint filed against you. 
I will also obtain a re-finance and move my Car Loan someehere else. 
I expect this issue to be resolved immediately. After that I will shut my Bank account down with you. It 's such a shame that the relationship lasted only 1 year. I 'm glad your Bank finally showed its true colors. And I will advise others to stay away from your bank. Yes, I work at a large Corporation as well.And reputation means everything. I as well speak to customers over the phone in a call center, just like XXXX. 
Just wait. I will remain with XXXX!