WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX/Commenity bank has called my brother in law, and parents regarding the debt I owed. They told me I need a lawyer to represent me or pay the card in full {$3600.00}. When I said I could not do that they said I need to pay {$1000.00} to make the account current. This is completely embarrassing and they are calling multiple family members.
XXXX XXXX says I owe them money I had asked them to validate the debt and I never received validation.today a very rude lawyer who said he was in Illinois called and said I was on a recorded line and demanding money .I have no knowledge of this account.this man screamed at me and over talked me and threaten to take me to court.i advised him I knew the laws and I needed this supposed debt validated .he screamed louder in my ear and told me I didn't know what I was talking about.i advised him that if XXXX XXXX takes me to court I will sue for fraud and harrassment.i looked at my credit report XXXX XXXX is on it I am not sure how they can do this when I never had a signed contract with them.i am demanding a signed contract be sent to me and XXXX XXXX to remove themselves from my credit report.if this man ever calls me again and screams at me again I will fill out a police report.i am wondering if this is identity fraud.
XXXX XXXX XXXX is not the original debtor. XXXX XXXX XXXX is. It is a violation of my rights because I didnt sign any debt with said collection Agency.
the bank i use for my online billpayments charged me a fee in error, i had more than enough money available at the start of the day and had more money deposited on the day of the payment on top of it, yet for some inexplicable reason they charged me a {$33.00} fee and appeared to show that the payment request i submitted had failed. i called my bank to discuss this, they told me on a recorded call that the payment had failed and i needed to submit another request for the payment, they also refunded my fee. i then submitted another payment request per their instructions, the next day my second payment request was sent and the XXXX XXXX was re-attempted. this caused another NSF fee and ultimately for XXXX of the XXXX payments to be returned from my payee ( a credit card company that then charged me a fee for the returned item, they did refund the fee but of course i had to call and spend additional time dealing with that issue all thanks to my bank giving me the wrong instructions on what to do ). In total i spent over 4 hours on the phone with my bank over this issue in XXXX. Meanwhile i moved most of my money into my local credit union account because i felt i could n't trust my online bank to not XXXX while they were adjusting my fees. now 3 weeks later they have charged me for XXXX additional {$33.00} fees and refunded XXXX of them. The XXXX fees are allegedly over a billpay item that does n't appear in the account transaction summary as scheduled, pending, delivered, anything. I finally asked them to close my account and give me my money back but they said they want money from me to cover the bogus fee ( # XXXX now, just so its clear ; XXXX bogus fees they 've assessed in less than 2 months ) before they will close my account. I always had enough $ in the account to cover the initial payment that started this whole mess, they never once explained why charged me a fee in the first place, they just waived it and told me they were sorry and i had to schedule another billpayment. From then its only gotten worse and they 've accepted less and less responsibility and made me have to jump through more and more hoops just to get them to give me back my $ that they never had a right to take int he first place. Please make them prove that my account was ever overdrawn by anything other than the fees that they charged me.
ACS, has been posted inaccurate information. I have reached out them many times with no luck. They will not correct the harmful information. I 've never been late but it being reported as late.
XXXX XXXX XXXX has reported an account to credit reporting agency with wrong information. XXXX XXXX XXXX stated they submitted information to XXXX and Transunion to delete the collection account from my credit report. According to the reporting agencies, they stated they never received any information to delete. 

I have attached information from XXXX XXXX XXXX respond to CFPB that they had request this collection be deleted from my credit report. This error has caused a delay in closing on a home and financial hardship
ProCollect of XXXX continues to leave a {$41.00} collection debt on my XXXX Credit even though I have proof they cashed the check for this debt 4 months ago and I have called them 3 times to have this removed since that time. It has kept me from re-opening my main XXXX XXXX card account two times now. They have made two promises of dates that this will be removed from my credit report and those dates have long since past. What teeth can you put in to this and force them to act now???
This collection account was in error by XXXX XXXX. I am a current customer that had services removed and during this transaction, our account was canceled. It was immediately opened under another account. Of course, the remaining balance that was on the canceled account did not transfer to the new account. This was an oversight on XXXX  responsibility and created a credit hardship for myself. This was corrected and any balances were paid prior to this collection agency pursuing any bogus collections. Now this information is on all three credit bureau reports as paid but collection. I have asked that this be removed with no avail. I am requesting that this collection company be notified of this matter and the what they have done can result in further actions, especially those of the legal matter. This is clearly an erroneous act by a company that needs to be put on public watch for illegal tactics and harassment.
Wells Fargo Mortgage continues to charge Mortgage insurance at a higher rate and after 5 years and after I paid over 78 % loan to value ratio. My loan number is XXXX and FHA case number is XXXX. In addition, the premium I was charge was a higher loan balance but since I prepaid, the premium should have been lowered.
I have had an auto loan with Chase Auto Finance since XX/XX/XXXX and have never had a late payment until XX/XX/XXXX. 
I was XXXX overseas for most of XX/XX/XXXX and didn't always have access to the internet or phone service. 
In XX/XX/XXXX, someone got into my main bank ( XXXX XXXX ) account and illegally transferred a large sum of money to another account. XXXX XXXX closed all of my accounts and gave me new ones overnight. 
I had auto-pay set up with Chase. When I had a chance, I updated Chase payment details to charge my new XXXX XXXX account. I must not have set it up correctly, which is my fault, but it ended up in a missed payment for XX/XX/XXXX. 
When I realized my mistake, I sent the current and missed payment which were received on XX/XX/XXXX. 
I found out the one-month missed payment had went to the credit bureau and turned my FICO credit score from XXXX to XXXX. I didn't know there was anything I could do. 
I recently learned I could try reaching out to Chase to have them remove the late payment. 
On XX/XX/XXXX, I called Chase and reached their credit department. I spoke with a female name " XXXX ''. I explained that I was XXXX last year and didn't always have internet/phone access and that I would like to know the process for getting a late payment removed from my credit report. She responded that she will not remit late payments. I asked if the credit bureau or any other third parties would be able to help and she did not know, but restated that she won't remit a late payment. I asked if there's anyone in management I could speak with to see what my options are and she said she will not transfer me to a manager and nobody in her department will remove late payments. 
In short, it was my fault for messing up the auto-pay after getting my new XXXX XXXX account. However, I was never unable or unwilling to send my loan payments to Chase, and given the circumstance I was in last year, I believe it is unreasonable to not work with me on this issue.
Equifax was negligent in protecting private information of mine allowing hackers access to my private data including but not limited to : My social security number My home address My drivers license number
I am writing this complaint due to the billing practice American Express XXXX. Well I was glad to apply and get accepted for a credit limit of {$3000.00} ( on XXXX 2015 ). However few weeks after acceptance I started to receive a bill of the amount {$450.00} urging me pay now in order of avoid late fee charges. I was surprised because I have not even activated the card at the moment. I was concerned, so I called customer service requesting a clarification regarding the bill. I was told that was an annual fee ( and membership card ). After that conversation, I attempted to purchase a set of furniture on XXXX but decided to cancel the order later on. On the of XXXX XXXX 2015, I used the card to purchase gas for my car. And on XXXX XXXX, 2015 I received an email from American Express, stressing that my card has been canceled because after their analysis and observation, I am a risk. But they are requesting I pay {$480.00} even though they have canceled my card. So, I think that I should not pay the {$450.00} due to the fact I did not have to opportunity to enjoy the membership. I should only pay the gas bill ( {$37.00} ) since they decided to cancel the membership.
Upon reviewing my credit report I noticed XXXX addresses that I am not familiar with nor ever resided. Also my employment history has not been updated for several years. I have been gainfully employed with XXXX XXXX XXXX. XXXX since XXXX of 2008.
We are consumer whom purchased XXXX vehicles from XXXX XXXX XXXX and financed all three. XXXX wrongly accused us of not paying for the last vehicle. We took XXXX to XXXX  and State Court in XXXX XXXX Georgia. The XXXX XXXX XXXX found a pattern where XXXX received the payments and failed to post them along with not posted those Electronically Bank paid as they received them. The law firm of XXXX and XXXX XXXX State Court decided to file a Voluntary Withdrawal admitting we were not responsible for the debt! We need your assistance with XXXX XXXX XXXX of XXXX. We are being held down with low credit score and fighting this since XXXX. We have a way to buy a home and new careers but XXXX doing this ruins our lives. WE MUST XXXX, being held hostage and using Equifax and XXXX has proved to be very difficult and filing complaint after complaint with each bureau with our complaint going unresolved. Each time even though we have their Attorney 's Withdrawal XXXX XXXX of XXXX and Associates nothing is being done, We sent correspondence to XXXX XXXX an XXXX Analyst whom refuse to give a last name or number. They even tried to hire XXXX XXXX until we sent the XXXX from their XXXX. We are needing our credit and our scores not a run around as we have experienced. Equifax is often rude and you get no where when asking for a Supervisor nothing gets resolved. XXXX is evasive and tells you they are removing it and never does. We have the proof look it up XXXX filed XX/XX/XXXX by XXXX and XXXX. We really need your help we have work to resolve the biggest problem to get our scores where they need to be. We must work quickly as often time leads to more people such as ourselves. Homeless and needing resolution long over due our family.
XXXX XXXX has been calling non stop at all hours and even hanging up when asking who they are and to stop calling. This is not my debt. This belongs to my daughter who does not live with me. I am an elderly XXXX veteran and have XXXX and these constant phone calls are causing additional emotional stress to have them keep calling all day and I cant just ignore the phone and I cant lay down cause everytime i do they call and hang up. Please help as I am also contacting a lawyer as well to help.
I keep getting over XXXX XXXX but they wo n't let me check my account because I 'm supposed to have online bank account but I ca n't sign into it every time I go and try to sign in to tell me I 'm not authorized call do you get the problem solved they give me a new username and password I 'll try to get on and still ca n't. I 'm being charged {$300.00} a month I will draft the I ca n't afford them on a fixed income.
I am writing this complaint on behalf of my sister XXXX XXXX. She receives a single check for {$730.00} per month for a XXXX XXXX. Not only am I the representative payee for her check but for her checking account as well. 
She is not able to make a payment of {$250.00} per month with her income nor did she have any idea that she was signing a contract for 162.72 % interest. This entire process is uncongenible and unfair to someone in her position. No one at the local branch will speak with me because my name is not on the contract. What I do n't understand is how this company can make a loan to someone who has a rep payee without that person 's consent.On XXXX XXXX she borrowed {$1600.00} from Check 'n Go located at XXXX XXXX XXXX XXXX XXXX SC XXXXHer payments are scheduled at {$250.00} for 17 months for a total payback of {$4300.00}. She has made 3 payments on this loan but is unable to continue these payments
I contacted Wells Fargo Home Mortgage to refinance my current mortgage. I informed them that I was behind and I filed bankruptcy about 6 years ago. They said no problem they could do it. My credit score was XXXX which they said was good. I applied and then they said that I had to pay {$11.00} for the credit report and {$530.00} for the appraisal in order to continue on with the application process. So I paid them the {$540.00}. I never received the appraisal on my home. They never contacted the appraisal company to schedule a date or time. They denied my application based on behind on mortgage and bankruptcy. I would like my {$530.00} back for the appraisal the I never received. I have called several times and left messages and no one has returned my calls. What does Wells Fargo do with all the money they get from people that do n't qualify for refinance?
XXXX XXXX XXXX is presented as a collection company, but is in fact the primary billing agency for XXXX XXXX XXXX. After having XXXX ' and being billed, I tried to find ( going from department to department ) a way to pay the hospital directly and was told to contact XXXX XXXX XXXX . I paid monthly installments for this medical bill until it was paid in full and they stopped sending invoices, only to find out that they backdoored my perfect credit standing. This was for XXXX medical services. My excellent ( check the history ) credit status should be restored immediately.
On XXXX/XXXX/2015 I received a call from XXXX in which this message was left. Hello my name is XXXX I am trying to contact XXXX XXXX to get a message to XXXX XXXX ( inaudable ). XXXX XXXX you were placed as a person of reference by XXXX XXXX ( inaudable ) and I would like you to call me back at XXXX at extension XXXX again my name is XXXX. No mention of the company however I later found out it was GM Financial. I believe the laws protect me from no more than XXXX phone call as a third party and that debt collectors are not allowed to leave messages with a third party asking them to contact them?
I received a car loan through XXXX XXXX in XX/XX/XXXX. They told me my payment would be {$200.00} per month. Once I started making payments, they informed me that the {$200.00} payment was bi-weekly, not monthly. I made all payments on time until XX/XX/XXXX, when I could no longer afford the make the payments. I voluntarily returned the car to the dealership and notified them that the car was in their possession. XXXX then ran a credit check on me, which I did not authorize. They call me 3 - 4 times daily, trying to get me to come pick up the car and continue making payments. I can not afford to. I realize this will damage my credit, but I did not authorize them to do a credit check on me and I was completely honest with them.
I noticed there was a hard inquiry on my credit report from XX/XX/XXXX. I looked it up and it is from Paypal Credit. I have never tried to open a card with them. I called them and they did an investigation and said I needed to go through XXXX/the 3 major credit agencies. I did just that and XXXX  said " The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. '' So then it said to contact the originating agency, which I have done previously. I looked at the report as well, they didn't address the XX/XX/XXXX issue and instead there was another hard inquiry from Paypal Credit from XX/XX/XXXX which I never had as well. I really would like help with this, I have never ever applied for a card from them. I contacted Paypal and XXXX  and neither one was able to resolve this.
After re-reviewing an account transaction document received from Bayview Loan Servicing LLC XX/XX/XXXX earlier today, I found a charge of $ XXXX from the servicer applied to my account in in XXXX XXXX for a FORCED PLACED homeowners insurance premium despite having full coverage at the time. Upon further review of the document listing transactions from XXXX XXXX - XXXX XXXX, there appears to be no reversal/credit of that charge. 

I own a condominium XXXX Massachusetts XXXX and the master policy at the time was in place from XXXX XXXX and ran through XXXX XXXX. The certificate was submitted to Bayview Loan Servicing LLC in XXXX XXXX within three weeks of being requested by them for proof of insurance. The premium however, was charged to my mortgage account two full months BEFORE receiving any notice and while the policy was in place and in good standing. Nor was I ever advised in writing or at any time during the phone conversation confirming receipt of the policy certificate of having a forced-placed policy or any charges.
XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I have multiple inquiries from this company showing up on my credit report from the days listed below. I did not authorize these inquiries. Transunion has sent out letters on my behalf to request removal on two occasions. I am a victim of identity theft and I need these inquiries removed as it is messing up my credit worthiness.
I had got to judgment to garnish my check in XXXX and the amount was XXXX well within 2 months they added {$1100.00} on to this bill now its XXXX so when I call to talk with them there was suppose to get rid of the fees and the penalties fees. I told him I do n't understand why {$1100.00} is added on here from XXXX to XXXX 2 months, so the guy cant explain to me why the bill is XXXX more everytime I call him he seems confused and ca n't explain why. I 'm willing to pay XXXX making payments a month but I refuse to pay all those extra fees and I do n't understand it and this was a bill from XXXX from XXXX XXXX. I was just wondering is n't there a statue of limitations in Colorado for 6 years just a question!
In 2013 I had to file for a chapter XXXX XXXX. Suntrust is our mortgage company and from the day of the XXXX on they have continued to make mistake after mistake on our mortgage. XXXX off, we did not miss a single payment nor have we. Suntrust took all of our payments and put them in a " secret account ''. Then we got notice that after we completed the documents to continue the ownership of the house, Suntrust falsely reported on our credit that we had not made our payments. Then, we notified Suntrust of their mistake " took 6 months easy for them to realize their mistake '' they then rebuilt our payment history but never took the Credit reporting mistake off of our credit. Then today, 6 months after the XXXX was completed, notified us that they have foreclosed on our house. Once again, we have made every payment electronically and never have received anything from Suntrust to say anything about any lack of payment. We emailed them again and once again, are looking into it. I can provide all documentation off of our Suntrust account and would like this XXXX to end. Any help from anyone else is graciously appreciated.
I mived out of my apartment. I always paid rent on time as agreed. When we moved they kept the security deposit and then they came out of nowhere saying I owe them an additional {$2000.00} I just plain and simple don't owe them this. They are trying to take it to collections and threatening my credit and my livelihood. They have no legal grounds, I have never acknowledged that I owe them this. I was informed by a debt collector.
chase charged me {$34.00} NSF fees for a {$10.00} charge. i do not recall signing an agreement which states such. XXXX were supposed to use another card I had until I could figure out if the charges were valid. the debit card should have been suspended when I called in XX/XX/XXXX. the customer service rep in XXXX may not have understood what i was saying.
XXXX XXXX 2016, I received an hard inquiry on my credit report to my knowledge I did NOT give consent to. In requesting I will like to see validation of my consent and signature giving to this company to pull my credit.
Back in 2015, we cancelled our XXXX cable service and sent the DVR back in the prepaid box they sent us. A month later, we got something in the mail saying that we hadn't returned it. I called XXXX and verified that it had been returned, but that just hadn't registered in their system yet. She said that took a couple of months, which made no sense, but I couldn't do anything about it. A few months later, we were told that this was turned over to collections and we started getting calls from the collection company. I called XXXX again, and they confirmed that the equipment had been returned, but didn't know what to do about the fact that the false debt had already been turned over to collections. I informed the collection company of this, and figured they would work it out with XXXX. But here we are 3 years later, and it is still on my credit. I filed a complaint with XXXX, who said they verified the debt with TRIDENT ASSET MANAGEMENT.  The debt is fake. XXXX shouldn't never have recorded it as a debt.
An ID theft affidavit was sent to Experian containing accounts that were open due to fraud, forgery and theft. The Affidavit contained police report number XXXX, FTC complaint # XXXX and a U.S. Postal Inspection service complaint # XXXX. Experian continues to report the following accounts ; XXXX XXXX XXXX XXXX partial account number XXXX is not my account. 
XXXX XXXX XXXX partial account number XXXX is not my account. 

Experian failed to properly investigate this matter, in addition to disregarding my rights as a victim of identity theft.
XXXX XXXX XXXX is a consumer credit reporting agency I had never heard of until I applied for a loan. My credit score is not perfect, but its also not as low as this site is reporting. Theres no way to file a dispute online without giving all my most personal information. It seems as though other people have also run in to this problem. It seems very suspicious. As I trust the three major credit bureaus vs one that I never knew existed until today.
I 'm reporting a new fee charged for mobile deposits by PNC BANK. Once you deposit your check using the mobile app, they ask you if you want the money available right away for a {$16.00} fee. Otherwise you have to wait until the following day. I think it 's disgusting and grossly overpriced and predatory because if you 're having an issue with your account you feel like you have to make the deposit.