WillisBack/dataset-financial-user-claim huggingface dataset:
Chase is currently overcharging for transactions in GBP. The current exchange rate as of XXXX XX/XX/2018 is XXXX USD/XXXX GBP according to XXXX. Chase is exchanging at XXXX USD/XXXX GBP. They are charging me XXXX Pound Sterling ( GBP ) to XXXX U.S. Dollars ( USD ) not including their {$40.00} wire fee.
I contacted Transunion in regards to a Public record on file, ( Tax Lien XXXX County City Registry ), First letter i send in requesting to verified this file, I send my Copy of my social and License along with all my letters. They respond was that they need more information. I sent in a second letter, they respond was that this dispute looks suspicious, i responded to letter and preceded to send in a third letter and they respond was that the information im disputed information is not on file. I call to see if that would help instead of sending letters. They explain to my that the last letter saying that disputed information is not on file was a mistake. but the intended letter, show be that file was verified. I ask for the letter the representative stated that letter is populated ( not sure what it mean ) and cant be reprinted. I have all the proof i send then letter to verified this information.
My family members keep receiving voicemails from XXXX which when I call they say they are " CFS '' located XXXX. I have looked into CFS and located Credit Financial Services located XXXX. When speaking with the company, they would not give me anymore identifying information and then hung up on me. I have attached a copy of the voicemail for your review, how is this right that they can keep leaving these messages? I have had the same phone number for 8 years and they are not calling me. Further, I have checked and there are no suits filed against me so I 'm not sure what " formal complaint '' they are referring to. What can I do about this harassment? They have called my father, and sisters numerous times and this is causing a family argument because they think I am in some sort of trouble. Any assistance would be helpful.
Experian is the only bureau that is DOUBLE reporting this inaccurate information. XXXX creditors are attempting to collect the same debt at the same time. It is erroneous and the other bureaus have fixed it, yet Experian claims it is valid. They are reporting XXXX XXXX XXXX old balance and charged off account $ XXXX ... 
They are also reporting XXXX XXXX XXXX XXXX for XXXX XXXX with the same debt & balance! How can XXXX creditors collect on the same debt? They ca n't because it is against the law in the FCRA.
Last week I received a phone call from my parents who live 500 miles away. They indicated they received a letter from XXXX XXXX XXXX. The letter was dated XX/XX/XXXX and it indicated a owed a debt from XX/XX/XXXX, which was a result of a parking ticket. The letter indicates I have 30 days to respond prior to taking action. 

My issue is that the debt is too old to be collected as California statute of limitations on debt is 4 years and 4 years had passed prior to the date the Notice was sent to my parents house. The debt is so old that it creates prejudice in my defense of the debt, since I don't even remember where and what I was doing on XX/XX/XXXX, I don't own the car in dispute, and there is no way I can recollect enough detail to provide an adequate defense. Finally, the letter was sent to the wrong address. If my parents had not called me, i would have no idea this was happening. Notwithstanding my parents notifying me, sending the letter to the wrong address has significantly shortened the time of which I can respond.
I am requesting a short payoff off not a short sale. XXXX XXXX XXXX  XXXX XXXX A short payoff is when a lender agrees to accept less than the full balance of the mortgage loan as payment in full for the debt.
1. XXXX pulled my credi three times - I never gave permission to " XXXX XXXX '' Nor did I give verbal, written or any permission to RUN MY CREDIT!!! 

I Did not give XXXX permission to run my credit nor did I sign any documents or paper work, They are REQUIRED to remove these Hard Inquires within 30 days. I do not know them nor have I EVER spoke to anybody from XXXX, XXXX XXXX XXXX and or XXXX XXXX. 

Todays date is XX/XX/2018 at XXXX I request they show signed documented proof of my signing an OK or giving a AUDIO Recording of me giving them permission, This company does not have permission and I did not speak to anybody from this company. Therefore I request them to remove these inquires within 30 days. Should it go over 30 days I will seek legal action against all parties for fraud. 


Thank you, XXXX XXXX
I have been trying to work with customer service on multiple occasions to get validation of inquires that have been placed on my report. I have also attempted to contact some of the companies that are listed on my report as inquires but have had no success. The customer service reps have been unhelpful in assisting me in removing duplicate old outdated and inaccurate inquires and constantly transferring me to multiple representatives resulting in no correction. Please validate the inquires listed on my credit report or remove them within 30 days as some sure have been added in error or without authorization.
Since I opened my account with Bank of America I 've noticed a pattern of allowing larger items to be processed prior to smaller items regardless of the order in which the items are presented. I 've had several overdraft fees refunded as a result of bank error primarily because of charges accrued after a deposit was made. I 've gone into the bank and tellers suggested that I set up balance alerts. My alerts were initially set for {$25.00}, if my account fell to {$25.00} I was supposed to get text and email. I would receive notice only after I 'd been charged overdraft fees. I went back to the branch and raised the alert balance to {$100.00} this was XXXX XXXX, and despite increasing the alert limit with the banker I still have continued to receive alerts once my balance has dropped below {$25.00} after my account has received overdraft fees. For example today XX/XX/XXXX I logged into my account and noticed I have been assessed XXXX overdraft fees yesterday but no notice still today. Additionally I made a deposit of XXXX dollars on XX/XX/XXXX. Despite making this deposit at XXXX on the XXXX, on the XXXX I was assessed XXXX more overdraft fees at {$35.00} each. This month I also have a charge for {$14.00} still pending and the charge was done XX/XX/XXXX that was put through today with an overdraft charge. In contrast a charge for XXXX was n't presented until the XXXX but it went through prior to the XXXX dollar charge.. Neither with appropriate alerts despite setting up alerts on several occasions. When I filed a complaint and complained previously they refunded only XXXX of overdraft charges today. I have been charged {$1700.00} in overdraft fees since XX/XX/XXXX, as a result of the same practices and {$240.00} is n't sufficient considering that this practice has been ongoing since I opened the account in XX/XX/XXXX.
I have disputed the late payments on this XXXX XXXX XXXX XXXX   XXXX account for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I am a XXXX and XXXX and was in the process of purchasing a home when I was informed by my creditor that there were collection items reporting on my credit report. This was a complete shock to me because I haven't used my credit other than to finance my car. When I reviewed the credit report that was given to me from the bank and saw a ton of information reporting on my credit report that had nothing to do with me, I immediately contact XXXX, XXXX, and Experian to inform them that they were reporting inaccurate information on my credit report that needed to be removed. All 3 of the credit bureaus have responded partially by removing some of the inaccurate things they were reporting. I have been consistently submitting my request to have these inaccurate collection items removed from my credit report and since XX/XX/XXXX, they all have ceased to provide me further assistance and investigative proof substantiating their lawful reason to refuse the removal of the remaining inaccuracies. I started contacting the 3 credit  bureaus in XX/XX/XXXX and have followed up on all their correspondence regarding this issue. XXXX and Experian have responded by removing all but 2 of the inaccurate collection reportings and XXXX still inaccurately reports 4. All 3 bureaus continue to report XXXX XXXX as not paid in full when it was paid in full by refinancing thru XXXX XXXX in XX/XX/XXXX. So my credit report reflects that I have 2 outstanding auto loans when I only have the one with XXXX. These inaccuracies are interfering with my ability to purchase my home and violate my rights under the Fair Credit Reporting Act.
On XX/XX/2018, I authorized XXXX XXXX to deduct my monthly mortgage payment from my bank account. On XX/XX/18, they deducted two payments from my account causing and overdraft. I contacted them about the error, I was told to provide screen shots of the double payments, which I did. When I advised them that I had non-sufficient fees accessed on my account they stated that they would refund the fees. I sent them screen shots and emails of the total NSF Fees of 58.85. 

Now I am being told that this information is not enough they need copies of my bank statements in order to refund my money. I advised them that they didn't need my bank statements to take money out of my account that they were not authorized to take. I am being given the run around, if they are doing this to me then they are doing it to thousands of others. I want them to return the NSF fees refund the same way the fees were caused and provide documentation to my bank and credit bureaus of their error. The are trying to send me a check in 15 days and then I have to try and get it cashed. This is fraud.
Multiple calls to home, cell and several relatives cell and home numbers several times a day. Everyday. Calls from private numbers as well as XXXX and XXXX. Leaving messages on cellphones and informing relatives of debt. 

Number to call back is XXXX Each message the person had different extensions a few are ... XXXX, XXXX, XXXX.
Creditor : XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XX/XX/XXXX ) I contacted XXXXXXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/2017, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
XXXX XXXX my mother had a form from a collection agency. It has three accounts they were trying to collect on. One account my mother was a co signer on. The other two accounts she was not. She called me in a panic and wanted me to call the agency to assure she was not responsible for the other two accounts. I called they denied sending the letter to my mother with my other two accounts, she is not responsible for. They wanted a copy of the letter for proof. XXXX XXXX I went to the office and gave them a copy of this one letter even though my mother had gotten more than just the one. The manager was not in and would call the XXXX. She did call the XXXX she did say they made an error and it wont happen again.. at that time I told her it had happened multiple times and I do n't feel that I should not be responsible for paying the debt. She did n't seem to be sensitive to the situation at all.
During the holiday season of XX/XX/XXXX, I have made several jewelry purchases from XXXX  's Department store. Later in the month, I chose to return my purchases. It was n't until I received my monthly statement in XX/XX/XXXX that I realized that my returns were not properly allocated to their correct account. XXXX 's has two accounts : 1 ) a Regular Account ( that bears interest ) ; and 2 ) a Club Account ( that defers interest for 1 year ). I made 3 returns with the same XXXX  's employee on the same day. All 3 of these returns should have corresponded to purchases I made to my XXXX 's Club Account ; however, 1 of the returns was credited to my Regular Account, while the other 2 were misallocated to other items in my Club Account. When I identified the problem I immediately contacted XXXX 's at XXXX 's Customer Service to explain the situation. The agent assured me that they will resolve this issue, but that I wo n't see it on my statement for 1-2 billing cycles. I waited 2-3 month, but instead of the problem being corrected, XXXX 's had fraudulently charged my account. I contacted Customer Service to tell them that I see fraudulent activity on my statement. Again, an agent told me that they are working on my account and that I wo n't see any changes for 1-2 billing cycles. It has been 1.5 years since the incident and yet my letters to XXXX 's are ignored, no changes have been made to my accounts, no response or attempt to resolve this matter are made by XXXX 's. In fact, instead of rectifying the problem that XXXX  's Employee has created, they fraudulent added charges to my account that I did not make, in addition to interest on said fraudulent charges, and they chose to send my account to credit reporting agencies and have creditor 's call and harass my family and I. I have been with XXXX 's for a long time. In fact, XXXX 's was one of the first credit cards that I have opened. I never had any issues with them in the past ; however, their lack of customer service is deplorable. I am ashamed to have ever opened an account with this company.
XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my wife late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it.
I received a letter on XX/XX/2018 ( dated XX/XX/XXXX ) from Franklin American Mortgage Company subject : Annual Escrow Account Disclosure Statement. Upon review, I noticed their calculation of anticipated annual disbursements was incorrect. They used the same amount for city tax as they did for county tax. In fact, the city tax was approximately {$2400.00} less than the figure they used to calculate a revised escrow payment. The incorrect escrow analysis resulted in a new Mortgage payment that was higher than it should have been. 

On XX/XX/XXXX I called Franklin American and spoke to customer service agent XXXX. He told me they would reassess on or about XX/XX/XXXX. On XX/XX/XXXX I fax 'd county and city tax documents to Franklin American as directed by XXXX. After XX/XX/XXXX, I called back and spoke to XXXX who told me there was still no change and to call back after XX/XX/XXXX, but hold making a mortgage payment till just prior to XX/XX/XXXX in case the monthly amount was reassessed. On XX/XX/XXXX I called and spoke to XXXX who told me to check back after XX/XX/XXXX. On XX/XX/XXXX I called and spoke to XXXX who told me an update had taken place on XX/XX/XXXX. They had received documents from the city of XXXX and it was now back in research. On XX/XX/XXXX I called and spoke to XXXX who informed me that the city tax number I had provided was accurate ( no kidding as I fax 'd that document on XX/XX/XXXX ). I asked to speak to a supervisor but was told that was not possible. She stated that a new escrow analysis would be done in XX/XX/XXXX and I would get a revised statement. She also said that my new monthly amount would be {$2600.00} and I would get a refund for any overpayments. I asked how the analysis could be done in only XXXX business days and how could she already have a revised mortgage payment if the analysis had not yet been completed. Her answers were unresponsive. Finally, on XX/XX/XXXX I spoke to XXXX and reviewed the entire litany of calls. He told me the statement had still not been updated. She would put in 2 tickets ; one, to update the escrow analysis and produce a revised mortgage statement and two, to have a supervisor call me. 

A few days later a call came from XXXX asking to speak to me. As I was on travel, my wife took her phone number and extension and told her I would return her call. I called on 2 different occasions, and left messages with all my contact numbers. On the third unsuccessful attempt to reach XXXX, I left a message stating that it was unnecessary to call me back as I was exploring legal action and filing a complaint with CFPB. 

As of XX/XX/XXXX, I have still not received any action from Franklin American Mortgage Company.
I went to the hospital for a XXXX XXXX on XXXX XXXX, XXXX and incurred a large bill that my insurance paid all of but a {$580.00} portion that was my responsibility that was not paid. That amount now shows on my credit report as being placed for collection XXXX/XXXX/XXXX which is incorrect. XXXX XXXX XXXX XXXX XXXX XXXX who provide the service ( s )  sent me late notices in XXXX of XXXX. While I do n't have copies of them I do have copies of a bill from one of  their bill collectors XXXX and XXXX XXXX XXXX from XXXX XXXX, XXXX showing the debt amount and that they are charging interest on the debt. I believe the debt collector knowingly " re-aged this debt '' which is a violation of the Fair Credit Reporting Act by reporting inaccurate information about my accounts to credit bureaus. In XXXX XXXX I sent a letter of dispute to the credit reporting agencies saying the debt was from XXXX and the " hospital collection service '' verified it as accurate. This is a practice of unscrupulous debt collectors and I feel they should be punished for it as it has adversely affected my credit rating and increased the cost of credit I have obtained over the last couple years because this collection is being inaccurately reported in my credit file. Other debt I had incurred from this same hospital visit has been removed from my credit file.
I took a loan out XXXX/XXXX/2015 with XXXX payday loans for XXXX. Had medical issues and just had a baby to where I was n't able to pay. I recieved a call and voice-mail today disclosing personal and unnecessary info. Called them and the woman, XXXX XXXX was very XXXX and threatening that XXXX needs to be paid today. Advised i do n't have it and can i make payments to pay it off because I 'll take ownership for what I owe. But they do n't want to help and want it paid in full. I 'm a XXXX so I hsve very little income. The finance charge that I later found out was extremely high and was not told that when i signed. I borrowed XXXX, so i was to pay back XXXX at the the end. I asked for the loan agreement but they just wanted to email and sign that I got it ... no i want it mailed and they said they ca n't which makes me suspicious
XX/XX/XXXX XXXX XXXX ran my credit without my permission XX/XX/XXXX XXXX XXXX  ran my credit without my permission XX/XX/XXXX XXXX XXXX ran my credit without my permission All three of these are hard inquiries. I've only dealt with foundation finance in XXXX and haven't since then. I need All hard inquiries removed and i need Them blocked from running my credit I'm the future
After I had sent a letter to Sunrise Credit Services asking them to verify any alleged debt with proper proof of documentation, the collection company refused to respond, made repeated dropped calls to my phone, and left blank voicemail messages.
I did file complaint XXXX .Welles Fargo are not resolving the issues and instead they are not looking at the whole issues. 
Per their letter dated XXXX XXXX XXXX the line of Credit Balance for the account XXXX at the time when I sold the home was XXXX. And per their letter dated XXXX XXXX, XXXX the mortgage account # XXXX for the property located at XXXX XXXX XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XXXX XXXX, XXXX. 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home in XXXX and both account Balance were XXXX as of XXXX XXXX, XXXX at the time of sale. 
This inaccurate information needs to be corrected with credit BureauI did submit to you the HUD and Pay off proof dated back in XXXX. 
Please keep copy from this letter on my file. This letter will be faxed to you today XXXX XXXX, XXXX. 
I would like to resolve this issue ASAP
Today, I find from XXXX XXXX that I have an inquiry from Capital One done me on XX/XX/XXXX XXXX. I have not authorize Capital One to do an inquiry. They do not have verbal nor written permission from me to put my credit report on XX/XX/XXXX. The time I given to them was in XXXX to open up one. I do not want them to put my credit report without my written or verbal permission. That is illegal plus unlawful. Plus it is lowering my credit. I want them to notice XXXX  and get that unlawful inquiry off immediately. I would like for this to go public so everyone will know that they are pulling credit report unlawfully. 
I call XXXX  today and was told that I have to call Capital One and have it remove. They ( she ) would not even investigate. Therefore, the company ( XXXX ) is sent out incorrect information. She told me to call Capital One myself but yet you are send out incorrect information. They will not be able to produce a written or verbal conversation where I given them permission in XXXX to pull my credit.
XXXX XXXX, 2015 til now, my interest rate is affecting my means of living. I am requesting to get my interest rate with capital one finance lower. I 'm caught up on my payments and I do n't think it is right to make my life really hard with this ridiculous high interest rate!!! I 've been late on many of my payments because of this and it is affecting my means of living in every way. Especially my credit report!!! I want my interest rate lower and the late payments removed from my credit report. Thank you so much.