WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern : I, XXXX XXXX, writing this letter in regards of collection account which I just found out from me credit bureau and it was created on my name for the purchase I never made. 
The details of this collection says that I owe {$3300.00} to a creditor - XXXX. I want to dispute this just because I live in America since 1996 and have never in my life purchased a phone or signed up for a contract to XXXX XXXX. The person who has is not me and is a fraud of myself. I would like to request a full investigation on who impersonated me. As soon as any information is found, please contact me and remove me off the collection list.
I used my Chase debit/ATM card in XXXX to withdraw cash in local currency XXXX XXXX XXXX. Upon returning, I discovered that Chase charges three percent ( 3 % ) of the withdrawal amount as a fee surcharge. This is on top of whatever Chase is making on the exchange rate. I do not begrudge a bank making money. But three percent ( 3 % ) is outrageous. There should be a warning when you make an overseas withdrawal that you will be charged three percent by Chase. This would allow the consumer to decline the transaction and avoid the fee. When I called Chase to complain, they told me that the 3 % fee was in the credit card service agreement and they were unwilling to reverse these charges. The only reason not to warn the customer is to hide or obscure this fee because almost no one would pay it were they aware of it before incurring it. The technology exists to advise the customer of this fee in real time on the screen as the withdrawal is in progress.
On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However Trans Union is still reporting it on my credit report.
I have been reaching out to the Bureau to remove this issue on my credit report since XX/XX/XXXX on several different occasions up until now XX/XX/XXXX. The debt was paid and taken care of. XXXX XXXX/ XXXX XXXX XXXX promised me that account will be removed and deleted from credit reporting in favor to me paying amount. The negative account is affecting my score and causing hardship on my journey to purchasing a new home for my family.
Harley Davidson has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
For 2 years equifax has been showing an account in collections and owing a balance of {$2400.00}, which I paid off. All other reporting agencies have updated but this one. I have filed disputes numerous times over the years, providing receipts & settlement letters to no avail. Now they are suddenly showing me owing a balance on an account I paid off in XX/XX/XXXX. Their report even shows me owing a XXXX  balance all through XX/XX/XXXX until now, but now they claim that I suddenly owe {$1700.00}. No other reporting agency is showing me owing a balance on either of these accounts, just equifax. So since Ive had no luck filing disputes with them in the past, them getting hacked, losing my information, covering it up, then trying to get me to pay for credit monitoring due to their error, and now them claiming I owe money on an account they show had a {$0.00} balance on last month, thats the final straw. Since me working with them hasnt worked, Im trying something different in the hopes of finally resolving this and getting my credit score where it should be in the one reporting agency that it lags. I have attached a copy of the settlement letter showing that I paid off what equifax says I owe and is in collections ( Ive provided this multiple times to equifax ). I also included screenshots of what equifax shows for my credit report vice what other reporting agencies say. You will find that they all show XXXX balances and that these things were resolved years ago where as equifax refuses to update the information to show the correct and up to date data. Thanks for your time and consideration.
My business sold XX/XX/XXXX. First Data continued to debt my business account for use of their credit card machine for months..After the new owners obtained their credit card machine, I received a letter form First Data on XX/XX/XXXX requesting {$51.00}, because I closed the business bank account.. I then removed the machine, mailing it back to First Data on XX/XX/XXXX. First Data then informs me I still owe for the machine. I returned it and they acknowledged they received it.I have requested a copy of any contract they say I signed to pay even if the business sold.Fist Data would not send a copy. They have now turned this over to a collection agency XXXX XXXX, NY..
In XX/XX/2016 we approached Wells Fargo with a short sale offer on our XXXX family at XXXX in XXXX, MA. Loan number XXXX. Wells Fargo has consistently post poned, closed and avoided making a determination on this offer. They notified us last week that they will be holding a foreclosure auction on XX/XX/<YYYY> This would potentially created an increased tax burdon on us - since we have no control of their sale price and will receive a XXXX for the difference between amount owed and proceeds of the sale. This is an additional hardship they are causing above and beyond the hardships ( loss of jobs, damage to property, family deaths ) that caused us to pursue the short sale.
Ocwen Loan Servicing continues to send us letters and harass us by phone. They are incorrectly showing at the XXXX bureaus that a piggyback XXXX mortgage ( purchase money - not a HELOC ) that was foreclosed back on XXXX/XXXX/XXXX is still open and the account past due. Arizona is a non-recourse state.Based on my credit report from XXXX, Ocwen had charged the account off on XX/XX/XXXX with no activity ( XXXX ) until XX/XX/XXXX - when they decided to inaccurately report the account " open '' and 180 days late. I have called OCWEN on numerous occasions but OCWEN continues to call us weekly and sending numerous bogus " Mortgage assistance Resources '' letters - 6 years after foreclosure. As I said this was a " Purchase money '' piggyback XXXX mortgage - NOT a HELOC loan. Ocwen seems resigned to blackmail our credit with the bureaus and harass us for a 6 year old foreclosure ( XXXX mortgage ) that was written off many years ago.
Equifax reported a hack during which my personal and confidential information was listed as being in danger. This could lead to nefarious activities being carried out using my identity and is unacceptable.
i am a victim of identity theft. My XXXX credit card that was opened on XXXX XXXX, XXXX was XXXX. The balance of {$2500.00} is all fraudulent transactions and do n't belong to me. The following hard inquiry do n't belong to me : XXXX, XXXX XXXX, XXXX
I have been a customer of Xenith Bank which is merging with Union Bank and Trust. 
I use online banking to pay my mortgage and other bills. 

During the change from Xenith to Union, the dates on my auto payments were changed without my consent. They acknowledge that my mortgage payment of {$1200.00} was supposed to be made on XX/XX/XXXX. Instead, they made the payment on XX/XX/XXXX without my consent. This is before my pension on XX/XX/XXXX will be deposited. 

This payment has caused my account to go in the negative by {$720.00}. They have apologized but since the money has been sent out, they will not redeposit it. When my pension is deposited that negative will be covered. But until then, I have no money for living expenses. They refuse to help with that and will not redeposit the amount inappropriate taken out.

I contacted them on XX/XX/XXXX about this and was assured the money would remain in the account and to " relax, have a good weekend, and don't worry about this because the money will remain in your account. '' Today, XX/XX/XXXX, I found that was not the case and the money was taken out, again without my consent. I have no money to live on for the remainder of the month which is creating problems for me.
A few months ago, my daughter wrote to the Consumer Finance Protection Bureau about Santander and I wanted to put my two sense in too because Santander is an awful company. It preys on disadvantaged people. 
I am on a fixed income. I no longer work because of my XXXX. However, I had a need for a car because transportation is very limited in GA. So, when I was approved for Santander I was naturally happy until I realized these past years what they have been doing to me and many others like me. 
Most importantly, I am writing this email because while rifling through my paperwork I noticed that the contract I had for Santander does not match my car. I requested ( had my daughter to request ) a copy of the original contract from Santander a month ago and I have yet to receive a copy. I think they are aware of their error but continue to collect money from me for a car that is worth less. The only paperwork I have does not match the car I have. It was a while back and maybe I am mistaken but I will attach the information I have to prove this error. I have asked them to send me paperwork to verify and have been ignored until this day. I have tried to establish an online account with them to keep track of activities and payments and I have been told I need to pay the entire amount due first in order to gain access. How am I to track and verify all the fees I am being charged? So, I am writing this letter to get some kind of response and help for their deceitful ways. 
I am old, tired, and XXXX. I do not wish to continue fighting with this company, they wear me out. I just need help and clarification. I am very disappointed in Santander. Please help me. Thank you.
XXXX recently started reporting Re-Aged Disputed Mortgages that had already been removed over a year ago due to the 7 year Limitation. The Accounts last reported delinquent payment was in 2009. It  appears they simply removed the old Info and started re-reporting even with False information of a payment even though one was never sent and the Historical Information they provide clearly shows no payment has been received. The issue is compounded with trying to deal with Equifax. Even though Equifax has and was provided documents from themselves in the past they simply send back a letter saying XXXX states they reported correctly ( Information is blank or conflicting ). The agents in the call centers have no ability to do anything but re-dispute. When I have been able to actually speak to a empowered person like a supervisor at XXXX XXXX for example they actually review the documents with me and clearly see the issue with a resolution. The Equifax agents appear to be not USA based and never allow you to even get to the Survey to complain. I have actually let my phone sit on mute for almost a half hour to be hung up on. This same issue has happened to my husband 2 times in the last few months again with XXXX and Equifax. Equifax needs to fix its dispute system and XXXX needs to be held liable for the abuse of its reporting
This company has called more than a few times to a phone number that is recycled. I have told them time and again that my number needs to be removed. Even their compliance person lied stating that they had never called me, trying to call me a lair. Each time they have called for the same person and I have told them there is no one at the number with the name. This time, I asked that the number be marked as bad in the case file, however, the compliance person told me that she could n't make any changes and that there was no one at the company that could and that my number would continue with the file.
A debt in the amount of {$170.00} has been placed on my credit report by collection agency of Caine and Weiner ( on behalf of XXXX XXXX ).
This debt has been settled/satisfied and closed by XXXX XXXX as of XXXX/XXXX/2017.
This debt has been removed THREE times over the past five months, but continues to resurface on my credit report!
This matter has made me feel frustrated and helpless in my efforts to repair my credit report. Each time the debt resurfaces onto my report, my credit score is affected. My credit score has been going up and down like a Yo-Yo, jumping from XXXX to XXXX, due to this debt.
<P/>
PLEASE HELP!
my bank is in the habit of going back in time and retro actively changing the order in witch money moves in and out of my checking account, so that they can charge me an over draft fee i would like this false system of charging the customer to stop. And i want my {$36.00} put back in my account today!
I had duplicate accounts in XXXX which shows the balance XXXX e.g. XXXX $ on a card that has {$4000.00} total. I erased the XXXX card and paid off the card since.
I wrote all 3 Credit Burrows 100 times sent 3 forms of ID and the Credit Burrow Never Responded All The Credit Burrow are making Humane morgue hearts in Nuclear Reactors 100 % Only thing people can do is ask the computer two Send some Nuclear Missle is the only way two Stop the Federal Government Putting are humane morgue hearts in Nuclear Reactors The federal Government hunt me 45 years fore XXXX Hamburgers
My mortgage has been transferred several times over the course of XXXX yrs. It is now with Quicken Loans. I have received XXXX statements regarding my escrow account dated XXXX/XXXX/15, XXXX/XXXX/15 ,XX/XX/XXXX15. The first statement included a check for {$610.00} and stated my XXXX XXXX 2015 new payment would be {$1400.00} XXXX from {$1600.00} XXXX. The XXXX statement XXXX/XXXX/15 stated the same changed monthly payment and also stated a home insurance pmt of {$640.00}. The home insurance bill is actually {$570.00} and I called to advise this, they told me to call the insurance company. Later they left me a message saying they called the insurance company. I have still have not rec 'd the difference in any form of credit or refund. 
The XXXX/XXXX/15 escrow statement states I now ( after they just sent a check for {$610.00} on XXXX ) have a shortage of {$620.00} and my monthly pmt will be {$1600.00} if I send a check for {$620.00} or {$1600.00} if I choose not to pay the {$620.00}. I have checked my escrow balance through my online acct access this date and the escrow balance is {$1800.00}. This is enough to cover the next quarterly tax pmt of {$1700.00}. The homeowners ins is paid for the year. With the current escrow pmt of {$630.00} there then would be enough in escrow to pay the following quarter taxes. ( also I appealed my taxes this year and the result was my assessment has been lowered, but the final quarterly tax adjustment is not available at this time, I m told in XXXX weeks, but the tax will be slightly lower ) I have called Quicken Loans to resolve this but when I call I have not been able to speak to someone to resolve this and they do n't return calls as they say they will. Bottom line they have no Customer Relations at the number they give to call. 
How do I resolve this to keep my mortgage pmt at the correct amount, and why would a company pay out {$600.00} XXXX month and the next month send statement asking for $ XXXX payment. ( and when their online statement shows escrow has enough funds to cover next tax pmt )
On XXXX XXXX, 2017, I called Navient as my payment was due. I work and live in XXXX and have been able to previously set up reoccurring payments through my foreign debit card since I can not pay through an international bank. This call was meant to set up a new round of these reoccurring payments via a debit card.
<P/>
While we were setting up the new payments I was informed that I was 2 payments overdue. I asked if they could see why since I was covered until the XXXX XXXX payment. They said they could only see that the payment did not take.
<P/>
While processing the order to set up the new reoccuring payments and pay for the 2 overdue payments, they state my card would not go through because their system was viewing my debit card as a credit card and would not allow the payment. Apparently 2 months prior they decided they would not longer accept credit card payments which is why I was two months behind even though I was not informed my card would no longer be accepted.
<P/>
Since I have been working and living abroad for the past five years, using my foreign debit card was the only way I could make payments on my loan. They are now telling me that it is not an option only because their system deems my debit card as a credit card.
<P/>
They have given me no feasible options to correct this and given the time to find any sort of solution I will now be three payments behind and have to deal with those fees.
<P/>
It seems counter-intuitive that they refuse to help someone who is trying to pay back their loans just because they work and live abroad and do not have access to a XXXX XXXX account.
Equifax was, as far as I know, hacked by other parties that stole my information. 

I verified this on Equifax ' website, equifaxsecurity2017.com This is irresponsible and if a company ca n't handle protecting my info, they do n't need it.
I have faxed proof ( XXXX ) and most recently AGAIN to both Experian and XXXX that items on my credit report were either not mine ( I was a victim of identity fraud ) or they were inaccurate yet my score with each continues to decrease. When I try now to dispute yet again, both companies have me locked out so that I ca n't even access it online anymore.
Hello It's been more than seven times I had to call Wells Fargo about an overdraft fee " wrongly applied automatically '' when one of my accounts went below XXXX dollars. I have been through a financial crisis and this had happened occasionally. The current agreement with the bank is that if the user deposit the money back before XXXX XXXX ( or closing time ) of the same day they do not apply the overdraft fee ( When I opened the account the time period was 24h, they shortened on their parts without notice ). 
In my case I wake up with an alert that overnight my account went to negative numbers and when in the curse of the same morning I seat to transfer money they have already applied the fee.. Seven times I had to get trough customer representative that can not do anything, they supervisors that recognize the transaction occurred overnight and the alert was sent in the morning so logically I don't have time o do anything before being charged, they can not do anything either. So it goes to the next level, a customer care specialist that says is the system that do it automatically so is not their fault even after concede to the fact they're not honoring the agreement and that this is happening to a user that is logically having financial problems. When they wave the fee, they always call it a " courtesy '' and I always demand to call it properly because it may looks that the problem is in my part and is not. 

This time a transaction of USD {$9.00} at XXXX XXXX  left my account at - {$5.00} I received an alert at XXXX XXXX  and at XXXX I had an Overdraft fee applied to my account. They didn't waved the fee this time because is has been to many courtesies. 

There was a time when something similar happened but I was awake working in the middle of the night and transferred funds to that account but given the hours the bank didn't made the transfer until XXXX XXXX  so when the transfer occurred they had already applied the overdraft fee so the account went XXXX again so another overdraft fee was applied when I woke up I had {$85.00} negative on my account. They applied an overdraft fee on top on an overdraft fee. When I called and went through the process they waved it but they called it a courtesy again ... 

This is the bank that is saying everywhere they're refunded on XX/XX/2018. They're not honoring they words and agreements and when they call " a courtesy '' they don't recognize they have an issue whit their system and logically don't do anything to solved.
A year ago, I received a promo code of {$200.00} bonus and took it to a US Bank branch to open a checking package. Although I completed all the offer requirement, I didn't receive any bonus until now. Since then, several attempts have been made to ask about the missing bonus, I only got very irresponsible answers, such as directing me to the branch, trying to explaining unreasonably " one or more '' or " recurring '', telling that my checking account didn't qualify which wasn't the case. I really want to keep on as a US Bank customer, but just feel so disappointed to see how US Bank has ignored and cheated me. 

Promo details can be found here : https : XXXX
The mortgage agent at Quicken loans told me if I give him my social security number and he ran my credit report, my report would go down a few points. It went down significantly more as a result of his inquiry. I asked the executives at the company to delete the hard inquiry on my account and they refused. The people who refused are XXXX XXXX XXXX XXXX XXXX XXXX Avoid Quicken Loans at all cost, because it will cost you if you do n't
I was issued this loan in XXXX as I was starting prerequisite classes for XXXX. The school informed me that I was not able to apply for a federal loan and would need to pay up front or get a private loan. In order to register for the next semesters classes I chose to apply for a loan at on of the nearest banks, Wells Fargo. 
In XXXX I chose to use my XXXX knowledge on a volunteer trip to XXXX for XXXX XXXX months. While attempting to defer payments during my time out of the country I was told that my loan could be deferred for a maximum of 3 months, but that I had to make that request at no earlier than the first of the month that I would like to start the deferment ... ... a time in which I would be outside of the country. I ultimately choose to defer payments for the next 3 months that I would be allowed and had a family member make the remaining payments as I did not have internet access during my trip. 
As I gathered information for my taxes this year I came to the realization that I had only paid {$190.00} of my principal on this loan that I have been paying on since XXXX. After further research, I discovered that I have paid {$4000.00} more then the principal balance in interest to date. 
As a kid taking out the loan, I was aware that a 9.5 % interest rate was excessive ( even in XXXX ), however Wells Fargo took advantage of my naivet and desperation. This bank counted on the fact that a young student would be overwhelmed by the variety of challenges ( living independently, completing XXXX, working full time ) to the point of ignoring the complex financial details of their predatory student loan. Negative amortization is when a lender sets monthly loan payment at a level too small to cover even the interest. This practice has left me with essentially the same debt despite over {$16000.00} in payments.
I had overdrafts on my account and did n't fully understand how I had gotten them I went to the bank where I bank all the time and the teller could n't fully understand what happened so she said the manager is on a conference call and will call you when she is finished, well 2 or 3 hours went by and she never called when I called back I asked is the manager still busy the person said this is me how can I help you so I 'm explaining to her I did n't understand my overdrafts and she said well you had one for a loan come through for x amount of dollars and I said that 's not a loan it 's my car payment and she said well that 's a loan I said I 'm paying a car payment not a loan payment..anyway what she said was XXXX fees were for XXXX transaction I was charged for it pending and for it clearing I said well that does n't sound right she said well you need anything else very rude..i said not from you and hung up ... .anyway I found out that was not true after speaking with customer service but the manager was very very very rude.