WillisBack/dataset-financial-user-claim huggingface dataset:
I had a mortgage with XXXX XXXX XXXX. The loan servicing was transferred to XXXX in XX/XX/XXXX. I have since refinanced that loan with a new loan from quicken as of XXXX XXXX. XXXX is showing the account as an installment and delinquent and trans union is showing is as a delinquent open mortgage. This account should be closed and reflected as a closed mortgage. This inaccuracy is impacting my current score and causing me to get charged higher costs for things such as my car insurance and higher interest rates. Please make them fix it or remove it.
Chase Bank, where I have a personal and a business checking account, had a system outage around XXXX EST on XX/XX/XXXX, and I was unable to access the website. I needed to do a transfer to avoid an overdraft, so I called in. After being on hold for quite some time ( I 'm assuming due to the outage ), I was told I should call back in the morning, and they would know the system had been down. Around XXXX, I was able to access to website and I put the transfer ( {$80.00} from business to personal checking ) through. 

Sure enough, I woke up to several overdraft fees, as the transfer had n't posted. I called Chase bank, only to be told by every person I talked to that " there was no outage '' and " the system has been up and running perfectly. '' It was like the XXXX XXXX. If my wife had n't been sitting there listening the whole time both last night and this morning, I would have thought I was going crazy. 

Until I checked the websites that keep track of website outages, and sure enough, Chase Bank had massive spikes in outage reports around XXXX EST. I ca n't explain why they would deny that there was a system outage when it 's clearly documented that there was. Either way, it 's led to them collecting overdraft fees that exceed the amount of the initial deficit. I 'm guessing I 'm not the only XXXX. 

Banks should n't just be able to blatantly lie to their account holders without legal repercussions.
XXXX XXXX XXXX I got a automobile loan from heritage acceptance. The loan was {$12000.00} for a {$6000.00} car. I would have ended up paying {$18000.00} for a {$6000.00} car. I was young and did n't know amy better. I traded in the car for a better interest rate. The trade in was n't enough to pay off the old loan so now I have a {$540.00} dollar car payment. Struggling to get by. They also charged me {$2.00} everytime I made a payment.
XX/XX/XXXX I accepted a new job with the State of Maryland. Since I had a prior state debt my wages had to be garnished. This caused me to fall behind in my car payment to MarkOne. I have numerous email back and forth keeping them in the loop as to what was going on. I even had to move and provided them with the updated information. Even after making a agreement to bring my account current in XX/XX/XXXX the exact same day I communicated with someone by email my car was repossessed days before XX/XX/XXXX. I was so angry I called and forward all of my communication with a supervisor to MarkOne. They realized their mistake and instead of making me pay the storage fee and late charges to get my car out the nice supervisor instructed me to make the payment of the missed car payments totaling over {$1100.00}. She advised me that she would place all the other charges on the end of my loan note. I did just that and was able to get my car back days later. Now I am being harassed EVER SINGLE DAY AND NIGHT for the late fee amount. Not even my car payment amount. They are calling my job several time a day threaten to turn my account over to the recovery team. My payment is {$390.00} for a XXXX Honda Accord with over XXXX miles. Because of everything I went through financially I am still trying to recover so when I send them {$300.00} in a payment they still call and harass me saying they payment wo n't post because it 's not the full payment so its still as if I have n't made a payment at all. This is ridiculous. I need my car to get back and forth to work however I do n't need this emotion stress of trying to pay my bill and still looking out my window wondering did someone get it wrong again and send someone to get my car. I have had it. I am a single mother. My income is the only income in my household. I ca n't afford to make a payment every two weeks I make a payment once a month and I should not be harassed in doing that. I received another letter on Friday stating the late fee and charges have totaled over {$1300.00} is this is the case why is it not on the end of my loan agreement as agreed when I got my car back? This was even stated on my repo recovery sheet when I went to pick my car up so why am I still being harassed to pay this amount. If I had it I would have paid it by now. I have even tried to refinance this through my bank and was told I could n't because the car was sold with over XXXX miles on it. Then I tried to trade it in. When the dealer called Markone they said the pay out on my vehicle was over {$8000.00}. This car not even work {$3000.00}.
I have been a victim of ID Fraud back in XX/XX/XXXX-XX/XX/XXXX. During this time, there were multiple Capital One cards opened in my name without my permission. This has been proven based on Capital Ones investigation along with a copy of the police report that was given to all three credit Bureau, and Capital One took them off except 1. They left one card on my credit report stating that it was mine and instantly reported 60+ days late. Obviously this is not mine. I asked them to send me something in writing that I personally signed authorizing them to open this account. If they can not, then they must remove this account off of all 3 of the Credit reporting Bureaus (XXXX, XXXX and XXXX) immediately!
On XXXX XXXX, I decided to check my credit report and found that Midwest Recovery Systems had added a collections account on my credit report for {$620.00}. This company has never contacted me about this matter in any form. I never received a letter stating who the creditor was and was not given the 30 days to lawfully dispute this claim because I was NEVER contacted. This company is in serious violation of Fair Debt Collection Practice Act. Under this act the consumer ( me ) is to be given a 30 days validation period before a debt collection can be reported to all XXXX major bureaus by a collection company. In this case I have never received a bill or any correspondence from this company or the creditor regarding me owing this debt that is being reported on my credit report.
After working on my credit from XX/XX/XXXX to XX/XX/XXXX. My credit score went to approx. XXXX. In XX/XX/XXXX I was XXXX XXXX in XXXX on my way to XXXX, .ca to start a new job with the XXXX XXXX XXXX.on XX/XX/XXXX. I had personal papers and belongings in the car. From that point on I did not do any derogatory things to my credit. I believe the last time I did was in XX/XX/XXXX
We have asked for the underwriting department to appeal their decision since they did not include the {$440.00} for XXXX XXXX payment when they figured the money for our home in the loss mitigation not to completely rework paperwork over again. This paperwork has been submitted the entire time this process has been going on. I am attaching the paperwork again, so that you will not claim you do not have it. You have asked for it on XX/XX/XXXX, which we have provided a letter from Social security, which at that time it was {$430.00}, now it is {$440.00}, It does not come to a bank account but to a XXXX XXXX card every month. Then I hear from an agent # XXXX on XXXX XXXX on a recorded line that tells me that the underwriting department has made the claim that they can not use XXXX  amount of money, my XXXX year old son, because XXXX XXXX   name is not on our mortgage. This money was used when we first took out our mortgage by our first mortgage company and when we refinanced with you, Freedom Mortgage. I have the paperwork in my hands showing it. I am now submitting another complaint to the obsurdity of this to the Consumer Finance Protection Bureau
On XXXX Bank of America sent a notary to my property @ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX for me to sign DEED IN LIEU paperwork. 
Bank of America has not submitted this paperwork and has reported the property as " abandoned ''. 
Bank of America has forced me out of my home that I built in XXXX, ruined my credit, and caused me undue amounts of unnecessary stress related health issues. Bank of America has harassed me to no end while trying to work out this issue. They were supposed to modify my mortgage, then turned around and SOLD my house! I got that issue resolved and then they still have n't ended this nonsense. Earlier this year, I thought filing bankruptcy was the answer, however, I rescinded that option. I thought signing a Deed in Lieu would bring me some closure with Bank of America and it has not. 
Please, can you help me with this situation with Bank of America.
I receive telephone calls from XXXX Harassing me about an account XXXX I have never done business with them. They Claim Washington Mutual Bank was the seller when was this and for how much? They state that I owe them XXXX.
This is false Washington Mutual was more than 8 years ago for less than XXXX while I was sick. SOL had been up for many many years and these people continue to damage my credit.
They should be fined for harassment calling, false reporting, harassment.
I have been a victim of identity theft so I reached out to the 3 main credit bureaus Equifax, XXXX, and XXXX to have them to delete the fraudulent accounts and they have refused to due so. I have even provided them with a identity theft report in support. The account is listed below : XXXX XXXX XXXX in the amount of {$5800.00} on the date of XX/XX/2018 it was opened. 

I ask that you remove this account from my credit report. Thank you!
I took out a loan on XX/XX/XXXX, and made the 1st two payments on time. Since then I had to take XXXX Leave from my job to care for my spouse. I am no longer able to afford this loan, since I 'm currently not receiving pay. I have offered the Cash Store amount to settle but the agents are rude, and leave threatening messages on my phone.
I contact Transunion several times regarding multiple inquiries that appeared on my credit report that were not authorized by me. I spoke to a rep on XXXX XXXX, XXXX who was in the process of removing them when we their system went down and our call was disconnected. When I tried calling back, I could not get back through. I filed a dispute online about these inquiries. Transunion stated that there is no way to dispute the inquiries at all but the online process definitely let 's you dispute them. On XXXX XXXX, XXXX they sent me an updated report via postal mail that stated they verified and reviewed each inquiry. When I spoke to XXXX different reps on XXXX XXXX, XXXX ... they all could not tell me the process in which they use to verify that information appearing on my report is factual and correct. I found this to be a huge concern and for great reason because by their response, if they could not state how the items were verified and method they used, that means they did not verify or investigate the disputes. If they did not investigate or actual verify each inquiry in my dispute, then how did they know items where factually and correctly being reported? That is the biggest issue to date. The next issue of my disputes that were filed about four inaccurate collection on my reports. Each time they stated that they verified that the information and it was being reported correctly. I called and sent XXXX certified letters with return receipts to Transunion requesting specific information about how they verified that the information was correct and reporting accurately. I sent the letters starting in XXXX XXXX and again XXXX XXXX which was at least 30 days apart. Also called and spoke with them about the disputed accounts. Please be advised that this is my THIRD WRITTEN REQUEST asking them to remove the unverified accounts listed that remain on my credit report in violation of 15 U.S.C. 1681. Transunion is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first/second re-investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Where are the documents that they used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? They did not provide me with the name of that individual, their business address, and telephone number. So as you can see, they have failed to verify the accuracy of several disputes I have filed. I am most certain that they are not following FCRA guidelines set in place to protect consumers from unfair reporting and inaccurate information being reported. Why are they refusing to do their due diligence? Why have they lied about actually investigating and actually verifying inaccurate information being reported.
XXXX XXXX XXXX XXXX XXXX posted a {$310.00} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter.
I 've   had this ongoing issue with Macy 's regarding my account, when Macy 's switched accounts to Citi from their previous servicer my credit account did not transfer over to their new system and all the while I had no access to my account and neither did I know any payments were due, as everytime I logged into the account the profile showed blank and I assumed there was no payments due. This was not the case and due to this error Macys ended up marking me late.
I have chronologized Macy 's online systems   mistakes with pictures in the attached word document.
I have Navient formally XXXX and been paying on it since XX/XX/2005. It has not gone down any, I feel the interest I am being charged is not fair and I am not able to make the payments because of this, causing me to default. Please help me! It is ruining my credit. I want to pay back my debt but I am struggling for so many years!!! I keep having to do a forbearance. My monthly payments are killing me.
This bank collects overdraft fees even if the customer opts out of overdraft protection. They bully you if you do n't pay and want close your accounts.
Ok so first off this account does not belong to me a few months ago it was with another company XXXX XXXX it was removed from all three credit bureau 's. So i wake up a few weeks ago and I get several alerts that I have a knew collection account from Credit Managment whom I have never heard of, and never received any communication from at  all. I have been calling them everyday since they added this account to my credit profiles. Not only do I not owe XXXX XXXX because I have never had an account with them but isnt it illegal for Credit Management not to give me any notice and ruin my credit they I work very hard to correct and maintain. This is ridiculous I do not appreciate their lack of tact how after I successfully got this account removed while it was with another collection company they then buy it and saddle me with it yet again. This is incorrect and an over use of their power further more for me to not to be able to reach them is very unprofessional..
i was contacted by someome from genine debt solutions station in XXXX. i am all the way in XXXX and i have no businesss with these people. the phone # that called me is XXXX XXXX XXXX and i had been called XXXX after i told ther person on the line that i was not the person she was looking for
I have asked Nationstar for assistance for a few months now and they have agreed to help me. Unfortunately my health has been deteriorating rapidly due to the amount of stress I have been under. This made it very difficult for me to get the required documents together in the time provided. All of this stemmed from my wife 's poor health as she was diagnosed with XXXX and subsequently the XXXX of her XXXX XXXX. For me this placed me in a very bad situation as I suffered a XXXX which XXXX and took over XXXX. All this not being enough the mounting medical bills and depleting money reserves placed me further and further back on my financial obligations. Now as I regain my XXXX I find that Nationstar has opted to sell my home on XXXX XXXX 2016. I have tried to speak to my assigned representative with Nationstar XXXX XXXX to get the assistance I need but I fear that I 'm too late. This did not happen intentionally as I do have proof of what has happed to me and my wife by medical records and bills. At this point I have tried everything within my power to maintain my home and I 'm now in the hands of Nationstar 's trustee XXXX to keep my home that I have worked so very hard to get. I have lived in my home for 18 years and have never had a problem or delinquency on my mortgage but now that I face losing my home I feel as I have no option. I was advised to contact your institution to see if there is at least a small hope of an opportunity to get back on track and retain my home. I 'm a good member of my community and have always been responsible for all my financial obligations. Please speak to Nationstar to give me the opportunity that I need to retain my home and get back on track with them.
My credit score is inaccurate it should be higher. There are old information that should have been removed a long time ago. There are inaccuracies in the report.
I was a member to Citi Bank Credit card, since XX/XX/XXXX member with a credit limit under {$30000.00}. After I lost my job in XX/XX/XXXX I got in touch with the credit card company and asked for help. I was told that I do not qua qualified to receive any help from the credit protection plan, even though I have been charged for a credit protection plan without my permission. 
My account was Illegally charged for so many dollars for so many years. I tried to solve this problem with the Bank through phone calls and letters. My first letter was sent to XXXX XXXX dated XX/XX/XXXX my second letter was sent to Citibank/card services XX/XX/XXXX and my recent was sent XXXX XXXX to XXXX . 
XXXX Credit Management Department. The latest contact that I had was done by phone calling the on the back of my card which is XXXX, After I gave them my name and the credit card number I was told that I was calling the wrong bank, the was the last time I tried to in touch with the bank.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/1983 please be advised that a copy of this letter has also been sent via certified mail. 

the XXXX, XXXXn and experian credit reporting agency have all been dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, after receiving my credit report it was confirmed that the company lexis nexus was the supplier of this invalid account being reported, so I called them to request that I have this validated and they stated that they have not validated this debt with XXXX, experian or XXXX, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. 

I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). 

please provide me with the courthouse name, address, phone number of who verified this debt
1 ) Equifax is reporting inaccurate account information from XX/XX/XXXX which is causing my score to be significantly lower than it should be. It shows last reported date as XX/XX/XXXX with a {$1000.00} balance and current, it is XX/XX/XXXX. Last report by my credit Union was on XX/XX/XXXX  and showed a balance of {$0.00}.

2 ) I can not submit a complaint with Equifax because they refuse to update my address back to my XXXX XXXX XXXX. I have had all of my personal sensitive information sent to my XXXX XXXX   after my second identity theft incident in mid XX/XX/XXXX. Equifax continues to arbitrarily update my address based on inquires when I have expressed that the mailing address should never change to ensure I am not a victim of identity theft again or via a formal written request submitted by me.
I have a credit card with Capital One and they are really bad about helping customers with a late fee of {$25.00} for a payment that was one day late. This fee keeps me from reducing my balance I spoke to someone in the customer service one time a while back and they had no problem removing that fee but today I called and the man said he could n't do it. His computer would n't allow him to do it. I have done customer service for 11 years and I know we had a override to change a fee for customers. That is the thing companies should do to keep happy customers.
We filed chapter XXXX bankruptcy in XXXX XXXX. It was discharged on XXXX XXXX, XXXX. HSBC should have started reporting our payments to the XXXX credit agencies., I found out that they have n't reported any of them when we tried to refinance the mortgage with another lender.. I sent them a fax asking them to 'reaffirm ' our mortgage on XX/XX/XXXX. When I called the next day and talked to a customer service agent about getting something in writing about the affirmation, I was told they were never going to re-affirm our mortgage. They do n't 'do that ' anymore. They are basically holding us hostage to their horrible company and practices as I was told by XXXX XXXX XXXX that without that written affirmation, they would n't re-finance us. Even though I have every monthly statement that shows the payments were make on time. Our mortgage with HSBC is an adjustable rate loan which adjusts every 6 months. It 's starting to adjust upwards. We also found out a few years ago that they did n't participate in the federal re-finance option offered for underwater mortgages. I want them to re-affirm the mortgage and submit all back payment information to the credit bureaus.
This data was deleted from my credit report, and reinserted. 
This was a fraudulent account
I have a Citi Bank Att Universal credit card for over 13 y years. I can not manage my account on line since the the account is closed and I am not allowed online access. 
I have to contact customer service by phone in order to make changes or discuss my account. My complaint is about the customer service representatives. They are not professional and totally incompetent. I requested to have my automatic payment reduced from {$250.00} per mo. 
to {$120.00} and 3 different representatives assured me ( including a supervisor ) that the change was made but it was not. Since I can not manage my account online I have no recourse but to rely on customer service reps. 
Last night a rep was just telling me anything and I knew it was incorrect. She was a foreignor and she was totally incompetent and even lied about my account. I want to file a formal complaint about Citi Bank and take any necessary steps to do whatever to have this issue resolv resolved for me.
Two weeks ago I called customer service of Bank of America Credit Card reward program asking to redeemed my {$15.00} points in any way - transfer to my checking account, as a credit in my credit card or cash by check. The agent and supervisor denied my requested even I explained them I have n't used my card since one year ago. Also, I wo n't use it because I do n't need it. They told me even If I cancel my credit card they going to hold my points {$15.00}. I told them It 's no fear. I earned those points so It 's my right to ask for them. The supervisor told me if I want to redeem my rewards I have to earn {$25.00}, it means I have to expend more money using my card. I think the bank has no right to force me use its card.I asked please the bank if I can have one time courtesy as a good and loyal customer. They denied it. Please, I need your help about this because again it 's completely unfear. Thanks a lot, XXXX XXXX Bank of America cash rewards credit card