WillisBack/dataset-financial-user-claim huggingface dataset:
I recently received my credit report XX/XX/XXXX from all three bureaus and I noticed multiple inquiries from what looks to be auto finance companies and banks. I filed an identity theft complaint with the FTC XX/XX/XXXX and froze my XXXX  credit file ( online ). I named each inquiry to the XXXX rep as she removed the inquiries. I'm awaiting a updated copy of my report. I contacted XXXX and noticed several inquiries that I complained about around XX/XX/XXXX ( and was told were deleted ) that were reinserted for some reason. Both XXXX and Equifax stated I would have to reach out to the merchants to dispute the inquiries. 

I do not believe this can possibly be right, being that I NEVER authorized any of these inquiries which is why I filed an id theft report with the FTC. Not only should I not have to reach out to someone I have no business with, but these reporting agencies shouldn't be allowed to report inaccurate and unauthorized information. 

I can say I have two vehicles that are account holding and am NOT in search of a new vehicle nor any form of credit.
IQ International is trying to collect a debt that is the wrong amount. I have disputed this matter and I dint get any satisfaction. I have provided them with cancelled checks that i paid a security deposit to XXXX apartments that was not deducted from the amount they have on my credit report. I also disputed this with all the credit agencies and only one agency sided with me and erased the debt. My credit report shows that i owe XXXX, that is incorrect. They sent me an invoice that does not deduct my security deposit. I got turned down for a homebuying loan today due to this debt.
Good Morning, My name is XXXX XXXX and was a co-signor on a Line of credit ( unsecured ) with another individual, XXXX XXXX. 

Th Bank Involved : PNC He and I used the LOC for business expenses associated with a Company we both owned at the time. 

However, this a personal LOC and not a business loan. 

The amount was {$150000.00}. 
Bank : PNC Loan number : XXXX Persons involved : XXXX XXXX ( co loan guarantor ) XXXX XXXX ( PNC VP Lending ) XXXX XXXX ( PNC VP Lending ) XXXX XXXX PNC co-signer XXXX XXXX ( PNC Branch manager XXXX ) In XX/XX/XXXX I left the co-owned company and filed suit against my business partner when I left. 

As the personal LOC was used for the business, XXXX XXXX used the Company to continue to make payments on the personal loan. 

Then, in XX/XX/XXXX XXXX XXXX entered into an Agreement ( without my knowledge, signature, or any form of written consent i.e. email notification, settlement agreement or anything ) with PNC to pay half the Loan off ( {$75000.00} ) and charge off the rest ( {$75000.00} ). 

Again, I never gave consent for any of this. I was then informed in XX/XX/XXXX that my credit report ( XXXX  ) had me listed on the loan with the charge off when I applied for a mortgage on a new home. 

It has been reported to the credit agencies that I was involved with the charge. 

I repeatedly attempted to contact XXXX XXXX and XXXX XXXX ( both from PNC ) involved with this charge off settlement I had no knowledge off. They NEVER responded. 

I filed a complaint with PNC and nothing was changed in my credit report. 

I also have a signed sworn affidavit ( which I am uploading to this complaint ) by XXXX XXXX that without XXXX XXXX ( XXXX XXXX XXXX knowledge or consent, I ( XXXX XXXX ) negotiated a reduction in the payoff amount line of credit with PNC bank, which PNC accepted My credit has now been ruined, caused by a unilateral action between PNC and XXXX XXXX without my knowledge or consent on an action that has materially harmed me in not qualifying for a home loan. Had I been informed or copied on emails Mr. XXXX and Ms. XXXX XXXX Of such negotiations I would have never agreed to this unilaterally executed Settlement. 

I contacted PNC XX/XX/XXXX for the last time and spoke to a XXXX XXXX who essentially told me to file with the CFPB. 

Furthermore I am uploading an email from XXXX XXXX to Mr. XXXX and Ms. XXXX agreeing to accept the Settlement offer which included the charge off without an email, call, letter to include and inform me of this action.
In XX/XX/XXXX Bank Of America commenced assessing a {$12.00} account maintenance fee to my personal checking account. Per their policy, an account maintenance fee will not occur if a minimum of {$250.00} is directly deposited into the account monthly. 

From XX/XX/XXXX to XX/XX/XXXX my account received weekly direct deposits in which the monthly total was greater than the minimum of {$250.00}. However, Bank of America still assessed my account the maintenance fee of {$12.00} for each month.

When I contacted them making them aware of this error and requested the fees totaling {$140.00} be waived, they advised they can only waive the most recent fee.
Im a victim of ID Theft and the information that you are reporting under my name is a result of fraud. I have sent you a copy of my id theft police report that i have filed.
In  XXXX  of   XXXX   we discontinued our  XXXX   XXXX   XXXX  service. We were forced to move from our home and we tried to keep the service.But  XXXX   XXXX   XXXX  did not offer service in our new area. Forcing us having to cancel service. When we canceled our bill was  XXXX  balance and due to the circumstances they were not going charge us early termination fee as we were keeping our  XXXX  service. And it was all bundled together when we signed up. In fact we even paid a  XXXX  $ deposit for the service when we started.    XXXX   XXXX   XXXX  continued billing us and still had our account messed up as it was still linked to  XXXX . It was n't until  XXXX  of   XXXX   that  XXXX   XXXX   XXXX  shut down our verse account and made it a  XXXX  bill. We have disputed this bill over and over for a year to   the date.
The bill is now in the possession of Southwest Credit Collection Agency. We di  sputed this bill in there office.We have requested a full explanation of bill. When they sent us a bill they also sent us another bill from a hospital. Which is n't ours. It also has the hospitals account number as well as the hospitals foundation number on the paper.   It is in violation of FDCPA la w 805  section B.   They did n't even send us our bill as requested.   They are now claiming early termination charges as well  as misc charges in which we or southwest credit collections h as no clue.
My husband tried to wire {$4000.00} to his ailing parents in XXXX. He went to the branch of Santander Bank on XXXX XXXX in the XXXX XXXX of XXXX ( zip code XXXX ). The bank record showed that on XXXX XXXX, {$4000.00} as well as {$40.00} wire transfer fee were taken out of our checking account. On XXXX XXXX, I received a message from the branch manager saying that there was a problem. I talked to the manager who told me there was a discrepancy for the receiving account ( name and account number did not match ). I told her that I did not have the relevant information to help her and my husband was out of town but he would be back Monday. My husband went to see the manager on Monday and together with the branch manager they figured out the typo. He told me everything was all set. On XXXX XXXX, I found XXXX entries on my account : " incoming wire transfer ER '' for {$3900.00} and " incoming wire transfer fee '' of {$13.00} dated XXXX XXXX. So my husband 's wire transfer did not go through but we were charged a total of {$93.00} in fees ( for nothing ). This is outrageous. An outright highway robbery. Today, my husband went to see the branch manager who only agreed to refund {$13.00} for the incoming wire transfer fee. We will still be out {$80.00}. I do not know how wire transfer works but common sense tells me this is just not right, if not out right fraudulent.
I took out a {$1500.00} loan in  XXXX   XXXX  and was under the impression that as I paid  (  bi-weekly {$150.00} ) which totaled {$300.00} a month that my balance would decrease with each payment. Well, I ended up paying a total of {$1200.00} ( during a 4 month period ) on this loan and still owed {$1500.00}, which I paid out in  XXXX ,  XXXX . I feel that this company "  Check-N-Go '' have very unfair and huge interest rates and that if  they see that a consumer is trying to get them paid out, they should work with that person. I never missed a payment yet my balance never decreased, but steadily increased. So I ended up paying them almost twice the amount borrowed and it was all less than a 6 month period of time, WHICH IS UNHEARD OF!!!! I would like to warn others about them and get my MONEY BACK! There are  XXXX  stores in  XXXX   XXXX , SC and I 'm sure numerous within the state of South Carolina. I did business at the  XXXX   XXXX   XXXX   XXXX . location
I have a saftey deposit box at a TD bank in XXXX, SC XXXX XXXX XXXX XXXX XXXX and they were flooded out. My box was flooded and it took them weeks to set up a day for us to come by and inventory the box. They are saying the items possibly have ecoli and they have to be tested before they give them back after disinfecting them. The items in the inventory were described in such a way if anything happened to the items we would never be able to recover the amount or the item in which it was worth. Yellow bracelet with stones? They said they could not identify if it was worth XXXX or XXXX. A yellow bracelet can be bought XXXX for {$5.00}. They have tested the items and are now saying the items are positive for ecoli. We have not received any paperwork saying such, just as they said the water in the bank tested for ecoli. They went ahead and opened the inventoried bags and recleaned them without our presence. Have called the regional manager and they will not give me any phone numbers for anyone higher than them. What?? Also ca n't find Corperate phone numbers on the internet. We want our items back and we will sign whatever stating that we are responsible for whatever, ecoli ect. Do n't know who to contact from here?? We have contacted our attorney and will file a claims and delivery XXXX I believe. Attorney is working the issue.
I signed up with PNC Merchant Services on XXXX/XXXX/2014 for a simple merchant account ; an account with no monthly fees. I specifically told XXXX XXXX that I was not going to be processing credit card payments on a regular basics and did not want to pay a monthly fee. Now, almost two years later, PNC starts charging me {$19.00} fee per month. I contact them and they informed me they sent a letter to me XX/XX/XXXX ; I never received the letter and I told them. They assigned me a person XXXX XXXX, XXXX, to resolve the issue for me about the fee and about cancelling my merchant services account ; he did absolutely nothing - they are crooks. XXXX told me that I signed the contract and agreed to a fee, if I did not process {$60000.00} a year in credit cards and that I signed the contact stating, agreeing to keep the account for 3 years ; I was not aware of either of these things. These are key things that XXXX XXXX should have pointed out to me. I never would have agreed to processing {$60000.00} a year in credit card payments or to keeping the account 3 years. The figures XXXX put on my application for XXXX and XXXX amounts, I did not give them to her ; she put them there on her own. She is responsible for letting the customer know all these things but she did not tell me anything. PNC Merchant Services is a rip off and is designed to get customers sucked in for long periods, so they can make a profit.
Bank of America is running a false advertising, Bait and switch scam. They offer nice incentives to open an account. Then when the customer uses the incentives to generate the bonus points and cash incentives the fullest extent, as specified in the contract. Bank of America closes the account. The prof that this is an intentional premeditated scam. Is in the contract. With all the identity theft, going on. Along with just plain typos. When a bank closes your account and cancels your credit card..They should be required to give you a valid reason. There is too much false, fake, and disinformation information, on the internet and in company data bases. There are over a Thousand people in the U.S.A with my same first and last name. When a business decision is made, to close anyone 's account. The customer has the right to know if that decision was based on their correct, valid information, not someone else 's. Especially personal banking information. Since Bank of America has include in their contract ( Bank of America can make a business decision to close an account any time for any reason. And keep that information from you. ) I believe this part of Bank of America 's contract was included to allow Bank of America to commit bait and switch scams. With the forethought that they could now defraud new customers who earned benefits and perks. Bank of America offered perks as an incentive to open an account. Then they close the account of people who use those perks. Bank of America believes this is a way to hide a false advertising, Bait and switch scam. I have talked with several people at Bank of America. I know they were all honest people who just needed to do what they had to do to keep their job. Personally, I quit a salesman job where I was trained to lie to people in order to make sales. It is a shame all honest people required to lie as part of their job do not have the resources to quit. Making the criminals, Do their own dirty work. I really hope the CFPB, Looks into, and has the ability to stop this kind criminal activity. Of all the types of companies in the XXXX XXXX  should be the most transparent. I hope the CFPB, does not allow Bank of America to continue hiding their scam in a contract. I am sure any contract intended to hide a crime is invalid. I am sure Bank of America knows this. I also believe they are not going to stop this scam until some one takes legal action.
I have made several attempt in the past couple months to address this matter with Barclay and have gotten frustrated either with long delays or reaching a person that did not have a strong enough command of the English language to effectively address, nor remedy these charges. 

On XX/XX/18 I was billed {$410.00} ... I did not make this purchase. 
On XX/XX/18 I was billed {$490.00} ... I did not make this purchase. 
On XX/XX/18 I was billed {$430.00} ... I did not make this purchase. 

I need this {$1300.00} returned to my bank acct.
Hello - Two years ago I went through a divorce. As part of the divorce settlement my ex-wife was given one of our cars that we had a loan on. It was a joint account through XXXX XXXX XXXX. I asked my ex-wife to remove me from the account though she never did. She changed the mailing address for the account and login information online, so I was unable to access the account. The loan was nearly paid off, so I did n't worry about it too much. In XX/XX/XXXX of this year I got a notification from my credit monitoring service that the account was over 30 days past due. I contacted my ex-wife and she said it was due to a change in her billing account and fixed the issue and paid off the outstanding balance. 

Still as a result of this I now have a 30 day late payment notice on my credit report. My credit score took a hit as well, dropping from XXXX to XXXX. 

Recently, I contacted XXXX XXXX to explain the situation and inquire about having the negative mark removed from my credit report. Since I no longer had access to the account online and my ex-wife updated the mailing address to her new address. I received no notice of a past due balance. XXXX said they were sympathetic but unwilling to remove the mark.
On XX/XX/2018 I called Client Services to settle a debt. The original account was with XXXX XXXX. The Client Service representative asked me why was I delinquent on my account? I explained to her I had a medical emergency that prevented me from making timely payments on my account with XXXX XXXX. On XX/XX/2018 this debt was settled for {$220.00}. The representative ensured me a settlement letter an a update with all three credit bureaus. On XX/XX/2018 I received a letter from Client Services confirming the debt was settled in full. I called Client Services on XX/XX/2018 inquiring about the update in my credit file, since the debt was settled and paid. The representative from Client Services insured me that they would update this account with all three credit bureaus ( XXXX, XXXX, and XXXX ). On XX/XX/2018 I mailed a certified copy of my receipt to all three credit bureaus to verify this account is paid /settled in full. On XX/XX/2018 my credit score dropped 52 points! And the reason behind the huge drop was because XXXX XXXX/ Client Services added a negative remark " variable/adjustable rate '' to my credit file. Every month Client Services updates this account with a balance and negative remarks to all three credit bureaus. This account was settled on XX/XX/2018. As of XX/XX/2018 this accounts still reflects late payments, a balance, and negative remarks in my credit file. XXXX  XXXX/ Clients Services last update in my credit file was on XX/XX/2018.
XXXX XXXX, 2015 Amount = XXXX This is a account that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.
During the time period my student loans became past due, I had been experiencing some inconsistencies/glitches with the AES website that made it unclear what payment was due. I had made attempts to log on between XX/XX/XXXX and XX/XX/XXXX and at times the website showed that either a zero balance was due or only {$19.00}. There were also attempts to log on that resulted in the message Were sorry - an unexpected error occurred. I have attached screenshots of examples of this. This was confusing as I was used to to seeing payment due in the {$250.00} dollar range. I would greatly appreciate the removal of the negative credit reporting that is listed as 60 days late for all 5 of my loans. I am applying for a home loan in XX/XX/XXXX and will not be approved without these removed.
I just have a general question ...

If I disputed a debt and even tried to nefotiate in the past due to no success disputing and now A debt is cancelled and I received a XXXX. Is it my right to have it removed from my credit since now I am paying income tax on it? I am ok with it as long as it is deleted from my credit report. I have the proof if needed and can upload!

Please let me know my rights and how it should affect my credit score. I fee like they never explain how it will affect you. I have written in the past that I would like things explained and I never get any response.

Thank you, XXXX XXXX
Dispute of {$1600.00} on my chase card was initiated by me on XX/XX/XXXX, for the charge that posted on XX/XX/XXXX. The merchant is XXXX XXXX XXXX XXXX  in XXXX XXXX, VA. I disputed it on the fact that services were not performed nor did I receive the services. After several months, Chase informed me in XX/XX/XXXX that they were siding with the merchant. The merchant has provided false information to Chase and I have provided proof that the information and answer by the merchant are lies/false. Chase refuses to understand even with proof that the merchant 's answer is fraudulent. The balance has remained which I will not and will NEVER pay any of this balance. Chase is allowing fraudulent activity by a merchant. There were never any services performed or received.
Good afternoon, My name is XXXX XXXX. I received a call today, XX/XX/2018, around XXXX XXXX, from a third party debt collection agency by the name of XXXX XXXX XXXX XXXX XXXX. This company is located in XXXX, FL ; and their telephone number is XXXX. The debt collector did not verify any information, before going into my DOS and the amount owed. He also did not give me the Mini-Miranda, as stated per the FDCPA. I would like to request that this be investigated, as he was in clear violation of HIPAA. 

When I proceeded to let him know that he was in violation of the law, he then hung up on me. My attempts to speak with a supervisor have been unsuccessful. 

Thank you.
Champion Mortgage erroneously force placed flood and hazard insurance in the amount of {$6700.00} causing my balance to become negative and putting the loan in default. Valid insurance was in place for the period XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX Champion generated a " Notice of Condominium Insurance Requirement ''. I received that by USPS on or about XX/XX/XXXX. I  notified Champion I indeed have the insurance and put them in touch with the condominium manager to verify. Force placement occurred XX/XX/XXXX. On XX/XX/XXXX we again sent the XXXX policy to Champion showing proof of insurance. XXXX statement dated XX/XX/XXXX received on or about XX/XX/XXXX reflected same charges and default of mortgage.Countless phone calls and faxes proving  insurance in place finally yielded a " Notice of Force Placed Insurance Cancellation '' dated XX/XX/XXXX received on or about XX/XX/XXXX. However no funds have been deposited back in the account thereby leaving the loan in a defaulted status. More letters from Champion on XX/XX/XXXX and XX/XX/XXXX asking for proof of insurance even after receiving the Cancellation of Force Placed Insurance notice! Again, after hours of phone calls Champion agreed that the monies should be credited back but as of today, XX/XX/XXXX no such action has occurred and the loan remains in default. I am afraid other charges will accrue and my credit is being hurt. Champion continues to provide no answers as to when the monies will be credited and what they will do the repair any damage to my credit. I continually have to speak with different people and explain the error they made over and over only to have to next person tell me they see it in the system but there is nothing they can do. An appraiser came to the house today and Champion said it was because the loan was in default. Today at XXXX XXXX they hung up on me.
The credit reporting agency investigated my complaint of inaccurate information on my credit report being furnished by XXXX ( XXXX ). I advised the credit reporting agency that the furnisher failed to update information that once may have been accurate but due to payment deferments and forbearances was no longer accurate. From XX/XX/2015-XX/XX/2015 XXXX has reported late payments. I provided the credit reporting agency with a copy of the approved forbearances showing the months that were reported as late as having a XXXX balance due. 

XXXX XXXX reported XX/XX/2015 as 90 days late but reported XX/XX/2015, XX/XX/2015, and XX/XX/2015 as on time. They then reported XX/XX/2015, XX/XX/2015, and XX/XX/2015 as each 120 days late. This reporting defies logic because how can XX/XX/2015 be 90 days late but the 90 days previous are all reported as on time payments? Additionally, how can one make a late payment for a balance that is XXXX? 

The credit reporting agency has failed to acknowledge and consider official documents provided to me directly from the furnisher, on the furnisher 's letterhead that shows there was an approved deferment/forbearance for the months that were reported late. Instead they made small modifications to my payment history which did improve my score some but still do not reflect accurate information. The FTC wrote an opinion on this matter and explained that information that was once accurate but is no longer accurate needs to be updated to reflect the current information.