WillisBack/dataset-financial-user-claim huggingface dataset:
A business with its own Federal EIN tax ID opened a credit card account on XXXX XXXX, XXXX with CHASE CARD under the Account Number XXXX where myself and another individual were listed contacts on this card account. This account had an outstanding balance and late payments and became delinquent from XXXX XXXX through XXXX XXXX. Then, CHASE CARD reported these late payments on my personal individual credit profile to all XXXX credit reporting agencies, even though this was a business account with its own tax ID and I did not have control over payments for the business. In XXXX XXXX, CHASE CARD ensured me on a phone call that if I settle the account, all derogatory and negative remarks would be removed from all my personal credit reports. The business account was settled for less than full and closed in XXXX XXXX. In XXXX XXXX, I saw that CHASE CARD had reported on my personal individual credit profile to all XXXX credit reporting agencies that the account was settled for less than full and this was a negative remark, which would not be removed from my personal credit profile until XXXX XXXX. The XXXX issues I have is that 1 ) Chase reported derogatory remarks for a business account to my personal credit profile and 2 ) Chase did not remove all negative remarks as promised upon settlement of the account.
I post sublet for someone to stay in my place. One woman named XXXX XXXX wants to stay in my apartment. She supposed to send XXXX  but She sent extra XXXX on her check. She said I need to give the rest money to the delivery guy who will send a rent car to my place for her. I deposit money in my bank, Bank of America. I transfer the extra XXXX to the delivery guy she asked through XXXX, the online money transfer. Once the money has been transferred, she cancel the check from her bank. So now I have XXXX minus on my bank because the money I sent has been processed but the money I got from check had been canceled. And XXXX does not answer or reply my messages anymore that the check has been canceled.

I called BOA right away, but they said they can not cancel the XXXX transaction because the money is already transferred to them. If they " can cancel '' the check that BOA already " approved '' and I already " got '', they " should cancel '' the XXXX  transection that could be done by the check that BOA approved!

the information about where I sent {$3000.00} by her request : XXXX   Name : XXXX XXXX She asked me to sent the last {$1000.00} to someone else through XXXX XXXX  or XXXX XXXX, because it was not processing.

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  GA, XXXX her information is Name : XXXX XXXX email : XXXX   phone : XXXX XXXX XXXX The check I got from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN , XXXX XXXX XXXX XXXX XXXX  MN, XXXX
Transunion is reporting numerous accounts and inquiries that are not mine. I have requested investigation and TransUnion insists the accounts have been " verified ''. I was able to get to the bottom of XXXX of these accounts and get statements from the companies saying they will be removed from my report. Transunion needs to do a PROPER investigation on the final XXXX things that are not mine ( XXXX XXXX ( reporting late ) and XXXX XXXX XXXX ), as well as delete the unauthorized hard hits on my credit report.
On XX/XX/XXXX i was contactacted by XXXX XXXX about two accounts i had in collections. XXXX with XXXX XXXX about taking care of the accounts. He told me he had a settlement offer for me. I said i didnt want to take a settlement if they were going to report to the credit Bureau that i paid less than the full balance. He told me if i set up payments and made all the payments on time he would report to the credit Bureau i paid balance in full. All payments were made on time and I fulfilled my end of the agreement. XXXX XXXX has now reported to the credit Bureau that i settled for less than the full balance. I contacted them on XX/XX/XXXX and ended up speaking with operations manager XXXX XXXX, who told me that i made a settlement and that their representative had miss spoke about the agreement that was made. XXXX refused to listen to the conversation that we had and repeatedly told me i was wrong. She stated multiple times that the representative had not worded the conversation properly and refused to help me. I specifically told XXXX that i didnt want to do a settlement if they would report that i paid less than the full balance. He assured me that he would report i paid in full. He talked me into taking the deal by misleading me in their end of the agreement. Exactly what he told me wouldnt happen did. XXXX XXXX refuses to live up to the agreement made and now refuses to help resolve the situation.
On XX/XX/2018 I sent a certified letter to Experian disputing a public record, a bankruptcy they have listed on my credit report. I challenged the information 's accuracy and demanded that Experian VALIDATE that said information was mine. I advised Experian that the information was incorrect and that I have a letter from the US Bankruptcy Court XXXX XXXX XXXX stating that they DO NOT provide public records to 3rd party agencies, yet Experian still claims the BK Court has CERTIFIED the information is accurate. XXXX XXXX XXXX XXXX has been equally as difficult to deal with as they keep telling me the information has been VERIFIED via electronic signature.
Hard inquiry in my credit report from : Syncb/walmrt on multiples days as XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX. 

Also from XXXX XXXX on multiples days as XX/XX/XXXX * XX/XX/XXXX * XXXX XXXX, XXXX * XX/XX/XXXX. 

And last but not less important from XXXX XXXX XXXX, XXXX XXXX, multiples days as XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX. 

I have not authorized any of these companies to run my credit with the intentions for approval of a credit card, marketing or any kind of this matter.
On XX/XX/XXXX Capital One closed my credit card account that goes back to at least 2011. I have another credit card with them that I use on a current, regular basis for which I receive emails and text notifications. 

On XX/XX/XXXX, I called Capital one as I just learned that one of my credit card accounts was closed without my knowledge and I was not notified of this. When I called and spoke to Capital One they claimed they weren't able to find anywhere in my account that they had send any kind of notification to inform me of the plan to close my account and when I asked if it could be reversed and the account re-opened they said " no '' and that Capital One had made a business decision to close inactive accounts and would not be reopening them. 

Additionally, they admitted they had the correct, current information ( address, email, phone number ) for my other card and I confirmed I received notifications regarding it but that they did not have correct, current information for my other account that is now closed. It seems to me that when I created the new account or any other time I have contacted Capital One that they might have noticed that the address or email on one account doesn't match the other and I would have gladly given them my correct, updated info. Also, when I look at my online profile which has both accounts information available and I look at my address, phone # and email they all show the correct, updated info so I would never know that they had different information on their end for one account and not the other. However, they claim when you call about one account they can't see the information associated with the other account. I don't think it's fair for my credit to be negatively impacted by their poor business decisions or because they failed to contact me or to maintain the correct contact info for me before they closed one of my oldest credit accts. 

What's also strange is they did send me an email the day the account was closed saying that a change was made to my credit ( as part of their XXXX XXXX XXXX   ) but that it didn't affect my credit.
The bank is not sending information over to my  XXXX  app for me to use it properly. Please update my current information with  XXXX .
XXXX with a TX address claimed to be a debt collector for XXXX I made a payment of XXXX but XXXX never received payment. XXXX claims they have no idea who this company is. XXXX tried to get me to pay another XXXX claiming that then XXXX would be paid entire amount that I am behind on. The phone number to this company is XXXX XXXX is XXXX cable network in my area. <P/>The amount taken from my checking account was on XXXX XXXX 2017 My bank has reimbursed me, because XXXX claims XXXX is a fraud and they have no idea who they are. But, I could still lose my XXXX at the end of this. <P/>Please help shut these people down! XXXX XXXX
On XX/XX/XXXX I called the Member Service number listed on my credit card statement for XXXX XXXX, XXXX XXXX XXXX, because the interest amount charged of {$47.00} was excessive, it calculates to an annual rate of 51 % instead of the stated 23.99 % on the statement. After over 1 hour 30 minutes on the phone, most of it on hold I was told the Balance Subject to Interest Rate was claimed to be {$2400.00}, which was nearly 1.5 times the actual balance of {$1100.00} for the month interest was to be charged. My payment is usually due on the XX/XX/XXXX of the month. I typically pay my balance in full so there is no interest charged. In XX/XX/XXXX, the month the interest was charged I missed the payment date and paid two days late due to thinking I had set up the payment the previous week. The interest charge I am challenging does NOT include the late fee. That fee is legitimate but the interest charge is not. The balance due on XX/XX/XXXX was {$1100.00}. Even if the credit card company abuses the consumer with a two month calculation that still doesnt justify the interest charge. The balance due in XX/XX/XXXX was {$510.00}. The company refused to explain the calculation, there is no rational way to figure out how they exploit the customer and manipulate the effective interest rate to be far in excess of the claimed interest rate. After one hour and 45 minutes another representative came on the phone and continued to argue the rate and still refused to explain how they were fraudulently calculating my interest charge. After 2 hours and 1 minute I put the phone down and ignored the lying and dismissive attitude until the representative hung up. It became abundantly clear that there was no interest by the company to be honest and forthright regarding their fraudulent manipulation of balances. I will be making my payment due XX/XX/XXXX on time but I expect a new exorbitant interest charge on my statement due XX/XX/XXXX. In the fine print on the back of the statement it says the bank calculates the Balance Subject to Interest Rate by using an average daily balance method. It explains that calculation uses the daily balances during the billing cycle. Using that method it would still be impossible to achieve the Balance Subject to Interest Rate of {$2400.00} unless they are using the balance from the NEXT month. Because remember the previous months balance due, paid on the XX/XX/XXXX, the month before month the interest was due for was {$510.00}. Assuming that I made one charge of {$1100.00} on the first day of the billing cycle due on XX/XX/XXXX, the whole balance would still only be {$1600.00}, or roughly 2/3 of the claimed Balance Subject to Interest Rate of {$2400.00}. The bank refused to do anything to correct their error.
I did not make all these inquires a old worker of mine that has been fired was suspected of getting my ss # and trying to apply for credit all over please remove all this ridiculous inquires asap thank u
I have applied for a loan through XXXX as part of the XXXX upgrade program. Two years in a row, Citizens Bank rejects my application. I have no debt and no issues with credit, and yet I am continued to be rejected by this bank for no legitimate reason and no explanation. I have given the bank XXXX different credit cards, so they can check my credit to no avail. They clearly have written an biased algorithm into their process through which I can not get any pass through.
On XX/XX/XXXX multiple payments to this mortgage were made simultaneously to bring the loan current.
On XX/XX/XXXX we were informed that although the prior months payments were applied perfectly, XXXX 's payment of {$960.00} would not be applied because there had been a payment plan offered by Freedom Mortgage. Although not accepted, this payment plan proposal is said by Freedom Mortgage to be sufficient for them to require the $ XXXX monthly payment thus rendering the {$1200.00} paid for XXXX and fees a " partial payment ''. 
We have now sent multiple copies of our written request for fund application to Freedom Mortgage and have received no response. 
The funds in question remain in suspense with Freedom Mortgage making no attempt to either apply or return them. 
The funds in question are in the amount of {$1200.00} and have been suspended for the duration of 38 days. 
Per our phone conversation with an account representative on XX/XX/XXXX, the " payment plan '' referenced as reason to suspend funds in excess of a monthly payment would expire on XX/XX/XXXX prompting the application of funds. 
Per our phone conversation with an account representative on XX/XX/XXXX, the " payment plan '' referenced as reason to suspend funds in excess of a monthly payment would need to be rejected in writing and sent to email " XXXX '' or faxed to XXXX. 
See forwarded email sent to said address on Tuesday XX/XX/XXXX with the aforementioned written request. 
A fax to the number provided was also attempted but was unsuccessful. ( Fax responded as a UNSENT : BUSY ) This account has been charged with a late fee for the XXXX payment of {$960.00} ( as stated on mortgage statement dated XX/XX/XXXX ). 
Negative information has been reported to the credit agencies. 
No mention of a payment plan has been made in writing to the mortgagors of this loan. ( See Mortgage Statement dated XX/XX/XXXX ) No mention of a payment plan has been seen on a mortgage statement received by the mortgagors of this loan. ( See Mortgage Statement date XX/XX/XXXX ) It has now been 38 days since Freedom Mortgage has issues a mortgage statement to the mortgagors of this loan. 

We believe this to be an abuse of the suspense account and request action be taken immediately.
Navient is stating that I owe {$11000.00}. My loan is for {$10000.00} and I have been making payments so I would think it should be less. I tried working our a plan for months, but they were very difficult to deal with. My acct fell further behind. They finally put me into forbearance ( deferring my loan payments ) because the repayment plans they were proposing we not affordable. This went on for years because there payment plans were too high and I knew I would fall behind again. I offered to make small payments every month, but they were not willing to accept them. I believe the years of forbearance caused my loan to incue additional interest and fees that could have been avoided. When they finally came up with a payment plan that I could afford, they said they would remove any negative information from my credit if I made payments on-time for XXXX months. They put me in a " probationary '' period. I completed the XXXX months but they did not remove the negative information. After several phones calls and letters to Navient and the credit bureaus for months, the negative information was finally removed from XXXX and XXXX, but still remains on my XXXX report.
1. Or about XX/XX/XXXX a re-submission of loan modification was finalized but denial of loan modification followed in less than 30 days from resubmission in absence of calculative methods used to derive a reasonable mathematical explanation for denial of loan modification. 
2. On or about XX/XX/XXXX a formal dispute was submitted. Within 30 minutes from submission of formal dispute borrower received a call from assigned representative XXXX XXXX. XXXX EXT XXXX to inform that the underwriter could not approve modification as BSI could not derive an affordable payment from income provided and that investor would not go below 6 % to calculate new modified payment doubling the mortgage payment to about {$12000.00} a month. 
3. On or about XX/XX/XXXX borrower requested denial letter and sent qualified written request. 
XXXX. On or about XX/XX/XXXX contacted BSI and spoke with assigned loss mitigation specialist whom provided the following information : According to XXXX XXXX : There is no material change so therefore there is a denial. 
Upon verbal request of income information the total income used for review was XXXX. Income was derived no material change from previous review. XXXX earnings are XXXX semimonthly, real estate average XXXX XXXX XXXX per the XX/XX/XXXX XXXX provided. 
XX/XX/XXXX tax returns provided and reported a loss. But could not explain where on tax returns loss was reported. There is a depreciation expense but that was not explained. 
Husband 's contribution of XXXX and XXXX was used. 
Further clarification on figures was requested because the numbers did not add up including the source of the {$4800.00} figure. XXXX XXXX could not clarify but and stated she would speak to underwriter and upper management and I would get a call sometime tomorrow. 
Although no clarification of income was provided to explain the {$4800.00} figure it was explained that monthly income on RMA was compared to worksheet-net income to show property is not affordable and Income presented much lower than the income provided on RMA. However, this is a stretch since no income figures could be explained despite previous QWR. 
In the end the conversation ended with a promise to follow up and a call back but no material clarification was given to explain denial, which was the same promise made verbally in the last conversation not withstanding previous QWR and formal dispute requesting the same information. 
This modification has been in process for years. First with XXXX who transferred to XXXX XXXX XXXX who hired XXXX to collect {$31000.00} which I paid which was never applied to principal balance. Then loan was transferred to XXXX XXXX XXXX XXXX and now to BSI. 
I am requesting assistance with my mortgage loan modification and reasonable efforts on behalf of mortgage servicer to underwrite the mortgage for loan workout in a commercially reasonable manner. Circumventing requests for calculative methods to support denial is not commercially reasonable. Please see attached formal dispute and QWR 's. ( 2 on file )
XXXX   XXXX   XXXX   is trying to get me to pay  XXXX  for an account I had with a credit card company  XXXX   XXXX . they just keep calling me and being rude even though I tried to work out a plan. I do n't want them to call me anymore for any type of collections. they are using another company to try and get me to pay.
XXXXXXXX XXXX  XXXX ( XXXX ) attempting to collect amount for services at hospital emergency room visit in XXXX Florida. 

I had medical insurance and submitted insurance card at time of visit. 

Bill was submitted to me with no explanation. I responded to their request and sent them my insurance information once again. 

Several month went by and I started getting calls from XXXX. When I contacted them and stated that the bill was submitted to the insurance company and I had never received a stated saying I was not covered and my co-pay was covered. 

The collection agency stated that it was turned over to them and they were not going to contact the insurance company. 

I submitted my information to the hospital billing department and never heard another word from them but continue to be harassed by XXXX. I get no less than one to two phone calls per day to my residence and monthly bills to my residence. This has gone on for over ( 3 ) three years. 

When asked for an itemized bill to explain how much the insurance company has paid and is this my responsible portion I get nothing but canned statements that they are attempting to collect a debt, that is all and am I refusing to pay this debt. i comment that this debt IS NOT MINE. Once again this was a visit to the emergency for an XXXX XXXX and they gave me a prescription for XXXX or something like that. Not an extended stay/xrays or lab work. My co-pay was ( {$20.00} ) XXXX  XXXX  per my insurance coverage.

I have since ( a ) relocated from my temporary XXXX residence where I was working. ( b ) changed companies I work for and do not have the previous employers insurance card anymore.
my mort. company OCWEN ( crooks ) who took over for HOMEWARD RESIDENTIAL ( crooks ) who took over for XXXX BANK ( crooks ) who took over for XXXX ( crooks ) who took over for XXXX ( crooks ) I 'm not sure if I have them in perfect order but they are or were all crooks -- -- out to screw the consumer -- -- -the newest way is to ABUSE electronic check cashing on seniors or anyone who has been forced to use automatic deposit for SS- XXXX SSI- or pensions ... .OCWEN my current mort co. will start calling to harrass you if they dont get my payment on the XXXX of the month..the same day my ss and pension check gets auto deposited ... if i send the check to early they electronic cash it witch could cause over draft fees and if I send it to late I could get late fees -- -- I believe I should be able to stop them from electronic cashing my checks -- and make them do it the old fashon way by actually posting the check -- -- I NEVER AGREED TO ELECTRONIC CHECK CASHING and most places i send payments to dont use this ripoff practice -- - NOW you have places that want to charge you for auto bill pay -- -- ANOTHER CONSUMER RIPOFF -- -- I live in indiana and dont believe I should be forced into practices that can only rip me off and have no real benefit for me!!!!!! -- - When I sent my XX/XX/XXXX payment I sent an extra {$20000.00} to help lower my principal -- -- {$20000.00} total -- -- Ocwen in their rush to get the money -- -electronic cashed my check on XX/XX/XXXX -- -- applying all of the funds ( including XX/XX/XXXX payment of {$710.00} to XX/XX/XXXX -- -- this caused even my mort intrest statement to be incorrect for XX/XX/XXXX they corrected this XXXX -- -- - but never moved my {$20000.00} back to XX/XX/XXXX where it belonged so it still doesnt show on my statement under year to date transactions -- -- all so they can get the money before its due date!!!!!!!!!
When I loaned my XXXX in 2012 I was told 7 % for 6 years since my credit was not good.. But if I add more on the monthly minimum payment it will shorten the length of payments. After 4 years paying my loan I contacted Toyota Financial Services to decrease the interest because I become disable. I was told my car loan interest is 11.54 % and they are just 3rd party, they cant help me. I called the Dealer Agent he said he didnt know that if only he knew it he will advise me to refinance after one year. I also mentioned if I pay more it will just be deducted for next month payment. I found also Toyota will settle a lot of money for discrimination of loan pricing. I was not only had been discriminated but completely deceived.
Used XXXX to research refinancing my mortgage. 

# 1 ) Immediately afterward received 30+ phone calls from different companies. Website said they would use email to communicate not phone. # 2 ) I've had two people come to my house saying that XXXX told them I wanted to sell my house. # 3 ) I've received 2 calls and my father-in-law has received a phone call saying that they were told I'm looking to sell my house. 

From what I can tell XXXX has just given my information out to anyone. My understanding was that they were sharing this with banks not any Joe off the street. 

The people who are calling me are extremely aggressive yelling at me for not working with them. Really crazy stuff.