WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, about XXXX XXXX, I called Equifax after XXXX reported an incorrect Equifax balance on my existing home mortgage. My mortgage balance with XXXX  is {$83000.00}. The report I saw said I owed {$110000.00}. When I called Equifax, I spoke with someone named XXXX ( first name only, wouldn't give last name ). I gave him my social security number, address and other personal information. My only desire was to have him check with XXXX  and verify the amount I actually owe, and fix it if necessary. He insisted on much more information about my credit history, " to verify who you are. '' It seemed to me that I'd be on the phone for at least half an hour with him, giving detailed information about credit cards, other accounts, etc. I found this not only unnecessary to accomplish the task at hand, but a little suspicious and I was not willing to share further information. All I want to do is correct the information about my mortgage on my credit report. Can you help?
J.P.Morgan Chase Bank , N.A . Is denying me access to my mothers bank account even though I have been granted an ORDER AND JUDGMENT APPOINTING GUARDIAN, by the State of New York Supreme Court, XXXX County. In the list of powers, item ( XXXX ) XXXX, allows me to access my mothers account to pay her bills. J.P.Morgan Chase Bank , N.A . Is in violation of the court decree.
Upon pulling and reviewing my credit reports I closed my account with    XXXX   XXXX      XXXX   XXXX   (  XXXX  CREDIT CARD ) when I viewed an alert it shows two discrepancies on my individual reports.   XXXX   XXXX   Reported that I was 30 days late in   XXXX   XXXX   but current XX/XX/XXXX and   XXXX   XXXX   with  XXXX . My Transunion report shows CURRENT XX/XX/XXXX  but late XX/XX/XXXX  and   XXXX   XXXX   on my payments. This is clearly an error and very damaging to my credit history.
On XX/XX/XXXX, I traded in my leased XXXX XXXX XXXX for a XXXX XXXX XXXX. Honda of XXXX XXXX agreed to pay off the XX/XX/XXXX lease, waive the lease termination fee because I was leasing another vehicle, and that any wear and tear was within the {$500.00} damage waiver. In approximately XX/XX/XXXX, I began receiving telephone calls from XXXX XXXX XXXX at home and at my place of business, purportedly relating to amounts owing on the XX/XX/XXXX lease. I was provided no documentation of any such purported debt and the burden was placed on me to obtain information of the amounts Honda was seeking to collect. I contacted Honda Financial Services, who placed the burden on me to document that I relinquished the XXXX XXXX on XX/XX/XXXX in connection with leasing a new vehicle. I provided all documentation in my possession regarding the transaction, which shows that I traded in the XXXX XXXX for a new vehicle on XX/XX/XXXX. Nothwithstanding, Honda Financial Services demanded that I obtain the Vehicle Return Receipt from Honda of XXXX XXXX, which provided a document falsely stating that the vehicle was returned on XX/XX/XXXX and identifying the " dealer '' as XXXX XXXX XXXX, an entity I have never dealt with or even heard of. Honda Financial Services refuses to accept my documentation, refuses my requests to document " excess wear and tear '' above the {$500.00} waiver, and in the meantime, I continue to be bombarded by phone calls from XXXX XXXX XXXX.
I wired {$10000.00} from my bank to Coinbase on XX/XX/XXXX, which was supposed to appear in my XXXX  account immediately. Since then, I've called many times, each time they're telling me that a specialist will get back to me. I've also emailed many times to which nobody has replied. I've messaged them all over social media to no avail. It's now XX/XX/XXXX and I still have not been contacted by anybody, not even to say that my case will be looked at eventually. Please help me, that's all the money I have.
The first collection account was as a result of the billing policy at XXXX. Each visit to a different practitioner was billed to a different account. One of the accounts was overlooked by me and I was not notified of this debt being sent to collection. I believe the error was the result of their improper billing system and lack of notification and I do not believe it should be my responsibility. 
The second account was incurred as the result of an emergency visit to the hospital. I received a substantial bill and had no health insurance. I applied to the hospital and received relief for the entire bill. Upon receiving the Emergency Physician Bill, I sent a copy of the Hospital forgiveness letter in the hope of receiving consideration for my financial hardship. Without notification the bill was submitted for collection. Due to extenuating circumstances I am unable to pay these bills and they are having a negative affect on my credit rating. I wish to have assistance in resolving these matters as soon as possible. I have not received notification about these accounts in many years and feel it was the responsibility of the Collection Agency to keep me apprised of the accounts in question.
XXXX XXXX XXXX Bank is reporting on my Equifax file it has reached time limit it can report. I have disputed this information with Equifax ; however, it is still reporting. I have called Equifax in regards to this negative mark ; however, Equifax is more concerned about me buying a product from them instead of helping me resolve this matter.
We have applied for a loan to refinance our home. In XXXX XXXX, we had to file Ch XXXX Bankruptcy to stop foreclosure of our home due to tremendous loss in my income due to economy. At that time, we were behind on our mortgage with National City Bank and they had started foreclosure proceedings. Of course repayment of all payments in arrears to National City Bank was a part of our bankruptcy payments made. I have confirmation from my bankruptcy attorney that we started that process on XXXX/XXXX/XXXX as ordered we paid all payments in arrears with NO delinquent payments during bankruptcy repayment. Our bankruptcy was discharged on XXXX XXXX and by that time we were current with our mortgage which was by then sold to PNC Bank. On our credit report now it shows that we were still in foreclosure after the completion of bankruptcy when we were current on our loan. The credit report now shows us in foreclosure for months XXXX XXXX to XXXX XXXX. We wrote to PNC mortgage and they said we were referred to foreclosure on XXXX XXXX, XXXX and removed from foreclosure on XXXX XXXX, XXXX. How can they keep an account in foreclosure status when they have agreed to accepted the payments for all payments in arrears as per bankruptcy documentation and we were current on our loan since XXXX XXXX. The fact that we are shown as in foreclosure after the bankruptcy means for us that we can not re finance our home for 3 years after they have removed it from foreclosure which means XXXX of XXXX. I think this is UNFAIR to consumers and see no reason why our account was held in foreclosure after receipt of deficiency and payments made as agreed.
Between mid-XX/XX/XXXXand XX/XX/XXXX, my name, Social Security number, birth date, and address was released by Equifax to an unauthorized third party. This was the result of Equifax 's negligence : XXXX XXXX disclosed a vulnerability and released a patch for it in XX/XX/XXXX, which Equifax did not apply. 

Once released on the internet, my information can never taken back ; for the rest of my life I will be at a higher risk of identity theft, and I will likely have to pay for credit report freezes and and additional monitoring products.
I have contacted Capital One and they no longer have record of the debt. They even sent a letter asking me to give them information on my account. 

Spoke with XXXX at ( XXXX ) XXXXand she says that the company no longer has my accounts and can't give me any more information or proof.
Suntrust Mortgage is not recognizing my account with them established online. Entering correct username and password produce message that they do not recognize me. Going through their forgot username/password routine produces questions re : loan number, SS # and security question/answer. Entering accurate information produces error message that they do not recognize account. Calling them produces response that customer service is only open from XXXX XXXX weekdays. Unacceptable for an online information account. If they do not recognize my loan number and account, I suppose I no longer have to recognize that I have a loan with them and can suspend all payments.
On XXXX XXXX, 2015 I had prepaid for a rental car {$210.00} and once I picked the car up I was charged another {$350.00}. Since I was double charged, I contacted my bank and filed a dispute against the charges and returned the rental car. I was refunded the {$350.00}, however the {$210.00} has been refunded and withdrawn from my account on three separate occasions even though I have mailed, faxed and took copies of documentation to the actual branch office. I have yet to receive the credit to my account of the {$210.00} and due to them continuing to credit and then withdrawal the {$210.00}, I have had incurred additional insufficient fund fees. I have spoken with multiple individuals, including a branch manager and have been treated terribly and received no resolve.
the app states it should take 1-2 days to verify my bank accounts, however it states it will take until X/XX/17 since activating the app on X/XX/17, which is 5 days, a dramatic time difference.
Financial credit network keeps adding a debt from a program that my insurance paid for in full. I quit the program the day my insurance cocerage ended. Ive disputed it before and they removed and readded it with a new current date. Now they also have started calling me and giving me attitude! I live in hawaii so their XXXX phone calls are getting on my lst nerve! Ive told them to stop calling me about a debt i dont owe. XXXX XXXX XXXX XXXX should be ashamed of themselves and what their program is really all about
I received some phone calls from collection agency asking to paid for a bills I do not own. I returned my equipment to XXXX when I closed my account and I do n't understand why I get Harassment calls and treated from collection agency all the time even on my cellphone. I do n't own anything to XXXX.
I closed my  Keybank che cking account around   XXXX   XXXX   XXXX  . Almost  two yea rs later around,   XXXX   XXXX   XXXX  , I get an overdraft notice from them. Evidently after my account was closed, it was forced open when an  XXXX  autopayment went to that bank in error. I had told my  XXXX  agent I was changing banks. i set up autopayment through my new bank. Evidently,  XXXX  insurance in error withdrew my payment from both  Keybank  and   XXXX   XXXX   for almost  two yea rs and did not find the error until they looked into it.  XXXX  gave me a check for the amount withdrawn from the  2nd  bank which I repaid to  Keybank. T hey still want extensive overdraft and late fees and never notified me of this until the relvolving credit line that was associated with the account reached its maximum ( no letter in the almost  two yea r period to notify me this was happening ). Now  Keybank  tells me   XXXX   XXXX   is responsible for the bank fees assessed over that time frame.  First Keybank said  they would go after  XXXX  for those fees. Now they say it is my responsibility to go after  XXXX . I have no idea who to contact for this matter. I prefer not to work through my  XXXX  agent and deal directly with the correct department.   I do n't know what to do now and have been harassed by debt collection calls from  Keybank th roughout this time frame. I just do n't have a lot of extra time to deal with this working full time til almost the time the bank closes each day. I owe the bank around {$1800.00} per them minus the insurance check I gave them on the cash reserve credit account portion as of  XXXX  and {$79.00} on the checking account portion.  Keybank  account  XXXX . The  XXXX  premium was a life insurance policy. Can you tell me, should  XXXX  pay these fees ( since it was their error that caused all this )? I think it is a bad practice that bank accounts can be caused to reopen once they are closed out ( I had no idea this could happen  ). The  bank account is frozen but still assessing late fees from my knowledge. Any copies you need will need to be forwarded by mail.
I believe if this is a student loan and they are reporting that I am late on payment but they are direct withdrawal. If this is n't a student loan then I do not know who they are or what it would be. Either way it is affecting my credit score. Furthermore, they have not tried to contact me.
Hi, there, I opened a new HSBC premier checking account on XX/XX/XXXX in response to a bonus offer of {$750.00} welcome deposit. The offer stated that {$750.00} will be automatically deposited to my account eight weeks after a minimum balance of {$100000.00} has been maintained for 90 days ( as attached ). Early last month I asked about the welcome bonus by web chat, and an agent asked me to call. I called and another agent promised to investigate but I received no deposit or response for another week. I contacted HSBC by web chat on XX/XX/XXXX and the third agent said he/she would issue a request to investigate. Several days later I asked again the fourth agent promised yet again to investigate and gave a response within 48 hours ( the chat transcript attached ). I received nothing after 48 hours, and contacted them the fifth time. The fifth agent said he/she would issue another request to investigate. 

So I don't have an answer about the welcome bonus 7 months after I opened account and five inquires. Hope that you can help me with this matter. 

thanks XXXX
I mailed a debt validation letter to XXXX XXXX XXXX on XX/XX/XXXX. Which the collection agency received on XX/XX/XXXX. In the letter I advised to validate the alleged debt, the collection agency responded with a bill of {$750.00} with an account number.
In XXXX, I took out an installment loan with Republic Finance in XXXX, Alabama to help build my credit history. I paid the loan on time, except once. The reps called me constantly throughout the day, even at my job. I informed the location manager that I was going to come in to get a payment history printout so that I could pay the loan off because they were being very unprofessional regarding the matter. In XXXX, the manager filed a claim against me in court per se. He even went as far as to send garnishment papers to my employer without a verdict being rendered in court. I made a payment for {$450.00} via money order after that and he did n't even report it to the court. I disputed the matter on my credit and it came back as " satisfied/released '' but, Republic Finance has since placed another delienquent account on my credit for a balance {$200.00} shy of the amount they entered for the court claim. Also, in the court papers, they never reported any of my past payments, they tried to sue me for the full loan. When I went to the location where I got the loan to get a payment history printout, no one would give it to me. The representatives all told me I needed to see the manager XXXX, which was the person that filed the same claim in court against me. Upon meeting with the manager XXXX, he asked me what I needed a payment history printout for and asked was there something I needed explained to me regarding my loan? I do not owe the amount that Republic Finance is claiming that I owe. I was going into the actual location paying with cash and I would recieve receipts on thermal paper from a credit card machine and they have since faded. When I told XXXX, the location manager that I would like to make my future payments via bank draft, he suggested I continue to pay in cash because it posts to my account immediately and that bank drafts can take a few days to clear. This was a red flag for me and is why I made my {$450.00} payment via money order, so I could have proof of payment. If you notice on the court documents, all of the documents that were submitted, when he submitted my account information, there are payments areas blackened out, as well as my account number. I believe they have committed forgery and I would like this matter to be investigated and I would like it removed from my credit report because they have created XXXX separate accounts under my social security number. After the court case was released, Republic Finance went back and opened another account and have been reporting delinquencies on my credit report.
A Bank of America credit analyst agreed to open a new Merril Lynch card with sign up offer of XXXX reward points if I closed and transferred 4 existing accounts with their credit lines to the new card. I agreed to do so and received the new Merril Lynch card in the mail with its credit line of {$20000.00} plus ( from transferring my closed accounts credit lines ). Upon activating I was made aware the new card will not be honored per the original offer by the credit analyst and has in fact been closed. So, in addition to not being able to take advantage of the Merril Lynch offer and card, I also lost all the credit lines with the cards I closed by the credit analyst and to no fault of my own. I spoke with a manager in the credit department to address the issue and was told they would not honor the original offer and expectations that were set with me. I would like this to be done as it was Bank of America 's analyst who made these initial arrangements with me.
I have an excellent FICO credit score of XXXX and made an initial down payment of almost half the total value of the vehicle. Regardless of my good credit and down payment the creditors at XXXX Honda of XXXX still denied me the lowest APR available.
COLLECTION NOTICE SENT TO MY DECEASED MOTHER IN LAW WHO,PASSED AWAY 12 YEARS AGO,THEN FORWARDED TO MY UNCLE WHO  WAS THE EXECUTOR OF HER WILL, HE IN TURN GAVE THE NOTICES TO US (PARENTS).NOW OUR ENTIRE FAMILY KNOWS OF THE DEBT. THIS COLLECTOR , XXXX( HIS NAME AT THE LTD AGENCY HAS BEEN TOLD SEVERAL TIMES THAT MY MOTHER IN LAW HAD DIED, YET SENDS TWO NOTICES TO HER . MY PRIVACY HAS BEEN INVADED, NOW I AM APPALLED THAT MY UNCLE  AND HIS FAMILY AND XXXX KNOWS WHO ELSE KNOW ABOUT THIS DEBT.PERHAPS IF XXXX WAS WILLING TO WORK WITH STUDENTS ,THEY (XXXX) WOULD NOT HAVE SO MANY ACCOUNTS IN COLLECTIONS. XXXX NEEDS A COURSE ON PRIVACY LAWS & REGULATIONS. WE HAVE CONTACTED AN ATTORNEY AS WE ARE SICK AS XXXX OVER THESE RIDICULOUS NOTICES ,AND THE FACT THE REST OF OUR FAMILY KNOWS ARE PERSONAL BUSINESS !! PLUS MY HUSBAND IS RECOVERING FROM A XXXX ACCIDENT AND DOES NOT NEED THIS ADDITIONAL STRESS .THANK YOU XXXX YOU XXXX, MERRY CHRISTMAS TO YOU!!
was contacted by Nelson & Kennard Attorneys at law. XXXX XXXX XXXX, XXXX CA, XXXX attempting to collect from me {$2800.00}. That debt is not mine, neither the address where this letter was sent to.
This account I have disputed this account but it appears on my file still.

The original dispute took longer than 30 days for the merchant ( American Express ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.
XXXX XXXX ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
I Want XXXX renders proof of my signature on a document, stating I gave them permission to sell my Bankruptcy information on to Experian XXXX and XXXX XXXX Credit Bureaus
Since late last year in the XX/XX/XXXX timeline, Ally Bank, despite advising me that I qualified for a payment extension of part of my amount due, has refused to extend my payments as it has done for others and as XXXX, our other vehicle loan bank, has done. At one point, they literally put a gun to our head and forced us to make a payment in the amount of XXXX dollars via an instant payment service and then told us our extended payment had not been approved. The latter, after the representative had told us that we qualified and had been approved, in addition to telling us that the payments would have to be 90 days past, at least, before they consider sending it for repossession. In addition, they continuously call our home and cell numbers and harass both my husband and I. 

In the meantime, they are collecting and adding {$20.00} of late fees that continue accruing, now totaling {$290.00}, in addition to continuing reporting derogatory information about my person to the credit bureaus on a monthly basis. Their XXXX-based call centers are full of incompetents who are always escalating to the next level up and when one believes there is a solution, they hang up and one has to start the process again. Today, I tried to discuss the issue with them again and the same result. Fed up with the biased, prejudiced, discriminatory, predatory and bad-faith actions of this bank. Why is Ally disallowing me what it allows others to do? No difference is circumstances. I am tired of the cat and mouse game and am calling them out on it. 

I look to your forwarding of this complaint to a most despicable financial institution, one that has a track record of abusing and discriminating minorities. It seems the fines levied against them for abusive discriminatory practices have not taught them the lesson. 

I am not worried about the vehicle being repossessed as I am presently only {$300.00} of the {$400.00} for the XX/XX/XXXX payment behind and the next payment is due on XX/XX/XXXX, with a no penalty, 10-day grace period. 

Thank you for your assistance. XXXX XXXX. 

I do not
I have 5 Hard inquiries from several different auto loan banks which I did not authorize or give permission to any of these institutions my personal information All on the same day XX/XX/2018. As a result my credit score has dropped 10 points 2 for each unauthorized inquiry making us pay additional fees and higher rates. I have contacted the credit bu-rues Equfax on many occasions only they refuse to verify information and continuously send consumers on wild goose chases by filling out this long process dispute form and then saying it was validated. This waste valuable time and money. none of these people even sound american they don't understand English and infuriate consumers how does this keep happening. It is election time and this year I will vote this drove me to go out and vote and I will continue to vote until Equfax is held accountable for it's biased practices. 
I did not request any auto loan I did not give permission to run my credit to anyone I filed a dispute to have items removed I contacted each bank and spoke with them and they have no records of any credit request from me but still wont remove the item unless I go through credit bu-rues Credit beurus keeps saying bank validated it so back and fourth we go. Mean while my credit score drops we don't get the interest rate we deserve.