WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX, I made a payment of {$2800.00}, and selected the option to apply overpayment to the largest interest rate account, which was account XXXX. This should have paid of account XXXX, but I still saw that the account had a remain balance of {$0.00}. I called Navient to ask them to fix the issue. After fixing the issue, I saw that they changed amount of payment on XXXX from {$2800.00} to {$2700.00}. This is not correctly and I am afraid Navient will only continue to make a mistake to my account. My goal is to pay my student loan off this year, and these errors are causing me to worry about me potentially overpaying for what I actually owe. Could you please help me fix this issue?
I noticed this debt for {$860.00} and will like more information on the debt to resolve the problem and remove from my credit report
In  XXXX   XXXX  I canceled my mobile plan with  XXXX   XXXX   XXXX  and left the country. My account was successfully closed and the company told me I had no other obligations.     I later found out there was a final bill that was generated in  XXXX   XXXX  of about {$120.00}. I did not receive any email about this bill, nor any mail to my previous address about this bill.  XXXX   XXXX   XXXX  sent my bill to collections without notifying me of the bill.     I found out through a credit check that I had an account in colle ctions ( Diversified Consultants ) i n  XXXX   XXXX . I tried calling  XXXX   XXXX   XXXX  as well as the collection agency to remove this from my  credit score. I also filed a dispute with the credit agencies and paid off the debt.
In XX/XX/XXXX I opened a checking/debit and also a savings account at TD Bank. The two accounts were linked and were supposed to draft from the savings if the checking/debit had insufficient funds. Well my wife went into labor and we had a new baby girl. When the whirlwind of that process died down. I checked my TD Bank balance as I believed I may be close to depleting the checking/debit balance. 
What I found were multiple {$35.00} fees for overdraft near {$200.00}. They also manipulated the sequence of purchases to maximize the {$35.00} fees ( ie ; {$1.00} for a coffee was moved to cause a {$35.00} fee before new funds were added. Furthermore, the accounts were supposed to be linked, I had the money to cover every single purchase I made, in my savings account. 
What happened next was even worse, the customer service reps gave me the run around for weeks. Finally as supervisor told me only a branch manager could reverse those fees. I went to the XXXX, MA. branch on XXXX XXXX. Despite my explanation the manager only refunded {$30.00}. 
Feeling defeated and facing 30 days I paid the fees even though I knew I wasnt liable for them. 
Two years later, I received a letter from TD Bank stating that a third party audit found that I wasnt liable for the fees!! Included in the letter was a check for what I paid plus interest. Great, I thought case closed they realized their error and made it right. I threw out the file of logs and paper I had proving my case. 
Turns out that around that time in XX/XX/XXXX TD Bank reported me to the XXXX as Flagged for 1.  Overdraft 2. Account abuse. As a result I was declined in opening an account for my now XXXX year old daughter. Apparently I would have been declined if I tried to pay for groceries via check or tried to cash a personal check somewhere other than my bank. 
Even though they reported on XXXX that the account was paid in full it also said, charge off. 
I called TD Bank got the run around and was finally told we have no record of you being paid back the fees or any letter sent. They then went on to say they dont have the authority to make changes on the XXXX. When I asked for a supervisor who did have the authority they said my only option to speak to one is a callback within 24hrs. I left my number and sure enough, they never called. Im not sure what else to do and hope that your office could help me, please.
The 3 major credit reporting agencies are listing numerous Credit Inquities which are not linked to any accounts that I am a holder of. I am Im the process of trying to purchase a home and these Inquiries are an issue. I understand that an inquiry should not be on my file unless I have authorized it so I am kindly requesting that these be removed from my credit because it is making it difficult for me to proceed with home ownership.
The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit.
2. Insurance.
3. Court Order.
4. Employments.
The following Inquiries are not related to any of the aforementioned permissible and I would like them to be removed. Some of these Inquiries are so closely dated that I am certain they are unauthorized.
1. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 2. XXXX XXXX Dated XX/XX/XXXX( 3 Bureaus ) 3. XXXX XXXX XXXX DatedXX/XX/XXXX ( Equifax ) 4. XXXX XXXX Dated XX/XX/XXXX ( XXXX and Equifax ) 5. XXXX XXXX  Dated XX/XX/XXXX ( XXXX ) 6. XXXX XXXX Dated XX/XX/XXXX ( 3 Bureaus ) 7. XXXX XXXX DatedXX/XX/XXXX ( 3 Bureaus ) 8. XXXX Dated XX/XX/XXXX ( XXXX ) 9. XXXX Dated XX/XX/XXXX ( Equifax ) 10. XXXX Dated XX/XX/XXXX ( XXXX  ) 11. XXXX Dated XX/XX/XXXX( XXXX ) Please do not hesitate to correspond with me if you need further information and I am grateful for your kind assistance.
On XX/XX/2018 I sent ERC a debt validation letter and today XX/XX/18 I recieved a letter from them stating the debt was validated with a bill. Which is not validation.
In XX/XX/2018 I closed a checking account with Citizens Bank and had no checks outstanding or debits from debit card. A month later the bank put a dr or debit for {$270.00} for service fees and overdrafts and sustained overdrafts. I am a XXXX year old XXXX XXXX veteran. The bank does not care that the only thing that reopened and caused this negative balance was their fees. They call my landline phone harassing me and I want them to cancel out those fees after I closed my account and stop calling me.
I purchased a bike with my Discover Card in XX/XX/2017 for about {$530.00}. I was encouraged to use my Discover Card because they have a program offering insurance for products that are damaged, stolen, or destroyed at any point within a few months of the purchase. 

My bike was stolen in mid-XX/XX/XXXX, just over two months later -- my house was broken into and two bikes were stolen. I filed a police report. I do not have renters insurance because I could not afford it where I lived. Discover Card told me that they were rejecting my insurance claim because the policy does not cover " used goods. '' I purchased the bike used, but it is fairly easy to assess the value of the bike, because both used and new bikes are well-understood consumer goods in an extraordinarily competitive market that has been around for about 130 years. 

The bike would have cost $ 2000-3000 new, and I didn't think it was a huge steal at {$500.00}, but I also didn't think it was, by any means, expensive. I cited as examples of the value the fact that a new groupset ( drivetrain, brakes, and shifters ) of that caliber would cost way more than what I paid for the bike, and, plus other components, it ended up being a good deal. 

The insurance policy was not outlined clearly in Discover 's terms, and they had a third-party insurance provider, XXXX, which was VERY difficult to work with. THEIR underwriter, in turn, XXXX, opened a case to look into it but never followed up and I was unable to reach them after that. I appealed the initial denial to both Discover and directly to XXXX and no one ever got back to me except to say that my claim was unequivocally denied because the goods were used. Beyond the fact that these are stupid terms in the first place, I'm unclear on why the denial happened. 

I'm not a high-income individual. I use a bike to get around because my car was totaled in an accident and because insurance in XXXX is outrageously expensive, I couldn't afford collision, so now I take the bus. I am trying to pull myself up by my bootstraps, like XXXX XXXX and them say I should, but this is the sort of predatory and dishonest practice that you guys should be going after. 

Thanks for taking the time to consider my dispute. 

Sincerely, XXXX XXXX
On XX/XX/XXXX, I filed a Chapter XXXX through the US Bankruptcy Court. Notice of the filing was sent to XXXX  XXXX XXXX XXXX and their client XXXX XXXX XXXX. After receiving notice, they violated the immediate " automatic stay '' by reporting the debt to the Credit Bureaus. They have each month continue to collect the debt by reporting the delinquency each month. The last update was on XX/XX/XXXX. I spoke to a team lead and then to the Collections Supervisor, XXXX. In a recorded call, she affirmed receipt of the " NOTICE OF BANKRUPTCY '' and that " they will continue to collections process until the debt is discharged ''. I advised her that her collections activities were in violation of the Bankruptcy laws. She advised that they will continue the process.
This company was reporting debts on my credit report that were unfamiliar to me. After seeking legal council I was advised to exercise my right to request validation of the accounts pursuant to the Fair Debt Collection Practices Act. In correspondence dated XX/XX/2015, the company received my demand for validation. This company simply ignored my request and did not bother to respond to me, concurrently they verified the accounts with the credit bureau following my dispute with the credit bureau.
A representative from Total Card , Inc., who would n't identify herself, repeatedly called me in reference to a debt owed for {$450.00} for a credit card account that 's is fraudulent and do not belong to me. The representative repeatedly harassed, oppressed and verbally abused me and threaten me with violence, death, arrest, seizure of my property, wage garnishment and total embarrassment, if I did not pay the debt owed. Total Card is in violation of Fair Debt Collection Practices Act and Minnesota debt collection laws. I told the representative countless times, that I am a victim of identity theft and the account do not belong to me, but my answers and requests, was disregarded. SSN : XXXX, DOB : XX/XX/XXXX
Hi, On all three of credit report, my student loan holder, XXXX XXXX XXXX has put my account as either late or delinquent ( the loan is for the amount of in excess of {$75000.00} now, and keeps growing ) for many years now and it has depressed my credit score that I ca n't qualify for an acceptable rate on an auto loan or anything else for that matter of importance, where I desperately need an access to borrowable capital to purchase big-ticket necessities. 

I 've received a letter from XXXX XXXX XXXX that they are recently conducting an audit of their loan portfolio and i know that they 've recently settled with your agencies. 

They 've been harassing me over this loan for more than ten years now and they have made it so that my credit score is so low that I 've had trouble raising my score above 600 for almost ten years, which has kept me not even eligible for ridiculous subprime rates..
Please help me and get this removed from my credit reporting please so that I may get on with my life and be able to finance a car or a home. Thank you.
I had issues with making online payment for a XXXX XXXX XXXX Credit card. They charged me for late payment while later it was discovered that they had issues with their online payment technology. They have accepted their mistake on the phone and sent me a letter. But the letter does not state that they have issues with their payment technology. Also, I applied for a new credit card with Chase but my credit card was rejected by chase and they had sent me a letter stating that they used my XXXX XXXX credit score to base their decision.

I checked my XXXX XXXX credit report online and the issue with late payment of XXXX is still reported in my credit report.
We bought our house through XXXX VA loan ; they sold loan to Ocwen. We sold this house in XXXX XX/XX/2014. Ocwen sent me XXXX final checks totaling {$3500.00}. I did not cash them in time ; they were void after XXXX days. When I called to have them reissued, Ocwen told me that I am no where in their system. I faxed them copies of the checks with my loan number on the checks & Ocwens name. They said they ca n't reissue because they ca n't find me. They also said they ca n't send me my XXXX because they ca n't find me in system. They told me they had a system change over in XXXX XX/XX/2014 & I 'm lost in system???? They have given me no solutions. What do I do?
XXXX XXXX XX/XX/XXXX they got a hard inquiry on my credit report today inquiry I didnt request ... 
XX/XX/XXXX XXXX got a hard pull I didnt request i never applied for nothing I disputed the inquiry and the refused to remove it Credit acceptance XX/XX/XXXX have a hard inquiry on my account i did not to or approved I disputed the inquiry but they refused to remove it
I have been with Best Buy credit card for a couple years now. I have recently notice that on the last statement I have a charge from XXXX XXXX. I was going to dispute the charge on the best buy credit card site but the option was not availible. I went back each statement and noticed I 've been charge a fee every month. I 'm starting to wondering if this has the the case since I 've had the credit card. This really makes me want to pay off my card and never do business with Best Buy again. I have never signed up for this service nor would I ever want this. I will only stick to my local credit card provided by my credit union. 

The fee is on my statementsXXXX of 2014
: I have medi cal Insurance and the y refused to take down information. Please advise to charge :  XXXX  NJ  XXXX   XXXX   XXXX  Member ID YHZ  XXXX  Member  XXXX  Provider  XXXX  Dental  XXXX  Pharm/Hosp  XXXX
My name is XXXX XXXX and I purchased a home in XXXX and was given a ARM mortgage with the XXXX when I complained about the Arm and requested a modification in XXXX the XXXX transferred my Mortgage to XXXX and I tried to contact XXXX but did not receive any response and the mortgage was transferred to a number of mortgage servicers when XXXX the mortgage was transferred to XXXX servicer and XXXX the mortgage was transferred to Ocwen Loan servicing Inc. I never knew who had my mortgage and no one communicated with me in reference to my mortgage and XXXX XXXX I received a letter from an Attorney XXXX stating that he represented Ocwen and that he had published in the local news paper notice of foreclosure I had not received any communication from Ocwen whatsoever the only communication from Ocwen was from this attorney XXXX i filed a cease and desist later in may and demanded any and all paperwork from Ocwen and any other group or company they sent some paperwork along with another letter informing me that they were still going forward with the foreclosure process and because I had no communication with Ocwen and because Ocwen did not contact me with any options and i believe that my loan was robo signed, and I was a victim of predatory lending practicing and denied any form of communication with any options failure to give proper notice and because Ocwen acted in bad faith violated the Fair Debt Collection Act and the Consent Decree in which they entered into with this very Agency for alleged misconduct in XXXX XXXX, XXXX filed a pro se complaint in XXXX XXXX XXXX XXXX XXXX asserting the fore mentioned violations bearing cause Number XXXX my email address is XXXXXXXXXXXX phone number XXXX,
XXXX XXXX was assigned to service my XXXX XXXX in XX/XX/2017. Since that time, I have not received periodic statements from them. Today I checked the mailing address on my account and it is correct, and my account preferences that all statements should be mailed to me. There is no reason I should not have received statements via mail. 

This morning I received a prerecorded call from Heartland telling me to call them back. I never consented to receive prerecorded calls. I called them and was placed on a lengthy hold. During that time I checked my account online. It shows I am three months past due on my account. I NEVER received any statement for any of those charges. I tried to chat with XXXX XXXX on their website and submitted my complaint through their website as well. No response. 

I am concerned that Heartland has now incorrectly reported my account as past due to credit reporting agencies. Heartland needs to IMMEDIATELY correct any incorrect reporting. It also IMMEDIATELY needs to correct my account status and reverse all late charges. Periodic statements must be mailed to me going forward. An explanation letter from them, for my records, is also warranted.
on  XXXX   XXXX     2017  my wife received a collection letter from Bonded adjustment company date  XXXX   XXXX     2017 regarding a bill. This is not a joint account or debt. it is a medical bill that i am responsible for alone. in the communication to my wife WITHOUT my consent or authorization included ; my name, original creditor, account number and   balance owed. according to fair collection laws this is illegal and why i am filing this complaint. i have include a copy of the letter sent to my wife.
Spoke with Transunion representative  XXXX  for my case file #  XXXX  and she did not assist me in removing Inquiries that I have not place on my credit file :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
THIS ACCOUNT WAS A CHARGE OFF AND DEBT PAID IN FULL (  XXXX  ). i WAS PROMISED THAT WHEN THIS DEBT WAS PAID THAT IT WOULD BE REMOVED FROM MY CREDIT REPORT. DEBT WAS PAID  XXXX / XXXX / 17 . I HAVE CONTACTED THE COMPANY REPEATEDLY AND THEY INFORMED ME THAT THEY WOULD SEND OUT A LETTER TO THE CREDIT REPORTING AGENCIES TO HAVE IT REMOVED FROM THE AGENCIES BUT IT STILL HAS NOT BEEN REMOVED. I JUST KEEP GETTING THE RUN AROUND AND THEY KEEP INFORMING ME THAT THE LETTERS HAVE BEEN SENT. PLEASE HELP ME REMOVE THIS FROM MY CREDIT REPORT.
XXXX XXXX has no validate account, they keep sending a letter head of doctor office but placing there information in the itemized statement, i have asked for a signed document with my signature and debt assumed to be agreed. the have yet sent any such documents. an itemized statement is not validation. 

at the end of this investigation will determine if i file civil suite against EQUIFAX AND XXXX XXXX for report unvalidate debt to my credit report in order to damage my credit. both have been asked to verify and validate debt.
I had initiated without a written agreement/contract some personal training services with The Exercise Coach where I had paid for services with my Debit/Credit card. On or about late XXXX 2015 before I went on vacation XXXX I notified the Exercise Coach that I will not be continuing with the personal training services in XXXX because I did not see visible substantial results considering the amount of money per month I was being charges. While I was on vacation, the Exercise Coach charged my account using my previous information for the month of XXXX and when I returned from Vacation XXXX XXXX I noticed the debit to my bank account, I put in a claim thru my bank Chase Bank but they were unable to recouperate the money because the Merchant had used a prior old signature that was authorized in XXXX to debit my account in XXXX but not authorized in XXXX, I have asked my bank Chase bank to produce the documents and still have not yet received them to look over if it was authorized in XXXX.
company has called my cell phone number several times looking for someone else ( XXXX XXXX ). They refuse to remove my number from their system. When I told them it was illegal in Texas to call a person 's cell phone without express consent, they just said it is not illegal to call a wrong number, and then hung up on me while refusing to provide her name, the company name, or an address.
Wrong address, I have been at the same address for 45 years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX I have never lived at XXXX XXXX XXXX XXXX Il XXXX, however my soon to be X HUSBAND lives there with his girlfriend. How did this address change?
I have an account on my credit reports showing in collections, that I do no not recognize. The specified details on this account seems frivolous. It appears to be utility services through XXXX in which I have never used them as a service provider.
contacted muti times about the debt was told that they were investgating but never recived info about the account was told over the phone in XX/XX/XXXX that because there was a payment on the account that it was proof of ownership did inform the company that my mother when she was XXXX did the charges and now I am getting harassed because I disputed the account
I applied for XXXX  credit and was declined and when I got the letter the reason why I was declined they listed information thats not on my report like BK and late payments and charged off account, but I dont have any of that on my report, called XXXX and they told me the got the info from my report with XXXX XXXXeporting agency, called them too many times first voice mail no one answer then finally someone answer and they said it could be that my file mixed info with someone else, I asked them to remove the info and correct the problems and they wont, I asked to file Dispute they want my SS card and my ID to file Dispute!!!!!!!! I sent th fax with Dispute but no correction.
I received updated XXXX XXXX report to XXXX an unknown debt by XXXX XXXX, " XXXX '' for " Chase Manhattan Credit Card '' ... this is probably a reaged debt opened in XX/XX/XXXX. I have not had any credit cards since XX/XX/XXXX except the ones I hold now presently. If this is proven to be my debt ... it is still beyond statue of limitations to report it on a credit report is it not? XXXX XXXX failed to mail any information to me etc to acknowledge this alleged debt. Is n't this illegal? What can I do?
Originally I purchase car insurance from XXXX, I was late on a payment in 2015 and they cancelled my policy. Because they did not accept any on line payments it was difficult to get the payments in as I had to go to a location to pay my monthly payment as I did not have a checking account at that time. I went to one of their locations and they refused to reinstate my policy, yet they were insisting that I pay the full premium left for the remainder of the year. I would not and got insurance through XXXX XXXX XXXX which I continue to have. XXXX or XXXX called me several times to insist that I must pay the full year premium under their supposed disclosure, whilst not providing insurance. This was back at the through the end of last year and further they are stating that it is current. Since insurance was paid for in advance and when they cancelled my policy it was for coming month, not for the month that had passed. The crux was that while they refused to reinstatement, they insisted to collect the entire annual premium let. Something I believe to be very wrong, especially since I had to obtain insurance from another company. This collection and negative listing on my credit report is extortion and an attempt to damage my credit score which is hurting my ability to qualify for a mortgage loan which I am in the process of obtaining. I truly appreciate your efforts and services as it allows for consumers to be protected from fraud and extortion. 

Thank you very much, XXXX XXXX