WillisBack/dataset-financial-user-claim huggingface dataset:
I wanted to pay my credit card with my checking account on Chase bill pay. I signed onto my account, clicked on pay my credit card, and entered the amount to be paid. Ten days later, I received a letter saying that the payment had been refused by my back and returned. I realized that the default account that the site offered was my equity account, not my checking account. It seems that you can not make a payment on a checking account with an equity account. I was trying to pay with my checking account. Why then does the page default to that equity account? It is not possible to remove that account from the list, and it must default to that account ; an account that can not pay. If you add all the people who might make this error, and if they were therefore late on their payment, how much money would Chase bank make on late fees? I complained to a bank employee ; he said they get lots of complaints, and he passes them on, but nothing has changed.
The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name   XXXX   XXXX   XXXX   Status Paid, Closed.   Date opened  XXXX /2014  Details  Payment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.
Back in XX/XX/XXXX i submitted an identity theif disputes along with a official copy of my police report to all national credit agencies once I realized my identity had been stolen. The company did n't follow the FCRA laws regarding information on my credit report due to identity fraud. It states all fradulent items in my name should be blocked permanently and immediately because my private information had been compromised. There are still several fraudlent accounts reporting on all XXXX of credit bureaus and I would like them removed immediately or XXXX XXXX dollars in restitution for breaking federal laws. The negative accounts still showing that are not mine are XXXX XXXX XXXX credit cards a XXXX card and XXXX gas card opened in XX/XX/XXXX and a XXXX and XXXX XXXX furniture account. Of course the creditor will be able to verify me because my identity was stolen and used so that 's no excuse to not follow the law.
Synchrony bank failed to credit my payment of {$250.00} on XX/XX/2016. When I called them to discuss they were unwilling to accept my bank statement as proof that a payment had been sent to them electronically by my bank ( XXXX ). They were completely unwilling to work with me on getting this resolved. Currently the minimum payment due that I owe is {$110.00} yet I have now been charged 2 months of late fees and my credit score has completely tanked.
Starting XX/XX/XXXX until now ( XX/XX/XXXX ) I started receiving anonymous and threatening calls regarding an alleged past due amount owed on a checking account from Wells Fargo in XX/XX/XXXX. I have received numerous calls from XXXX XXXX XXXX with a court docket number and I called them back and was redirected to XXXX XXXX XXXX and was then told they are not handling case but could give me a summary. XXXX XXXX XXXX informed me that case was being handled from XXXX XXXX XXXX out of Texas. XXXX informed me of an address discrepancy as the reason why they could not deliver the summons to me personally and accused me of writing " bad '' checks and blatantly told me " I was living recklessly '' AND THAT I WOULD BE TAKEN TO COURT. They never informed me that " this was an attempt to collect any debt ''. This was settled and these agencies should not be contacting me at all. XXXX stated I had overdrawn a checking account for XXXX which is ABSURD! This was over 10 years ago and would like to do everything possible to stop these people.
experian has send me my credit report in which i notice that they add credit cards and debts that are not mine and they sending in a difference XXXX XXXX XXXX XXXX. This XXXX XXXX is not mine and that to delete all of that from that XXXX XXXX that all of that debts are not mine, my only direction is in XXXX XXXX only. please check of who that XXXX XXXX belong and to fix my credits.
First Citizen Bank - XXXX, Oregon Location. 
When I tried to open the Checking Account with First Citizen Bank at XXXX Branch on XXXX/XXXX/XXXX using {$200.00} Promotion when opening account, The manager? first did not give the " Notice of Action Based on Information Contained in a Consumer Report. I had to ask him to print out the notice then he printed out the notice. However, there was no name of the bank on the Notice, so I asked him to put the Bank 's Name. But he refused. I went bank second time but still refused. Is the Bank allow to not providing without their bank name? I need to have their Name of the Bank in this Notice to prove I was not able to opened up Checking Account with the Promotion.
Loan moved on XXXX/XXXX/15 to SPS. Escrow analysis done. I received letter stating check was cut and sent under separate cover dated XXXX/XXXX/15. I called XXXX/XXXX/15 and asked where check was. They could not locate it and I asked them to replace it. They informed me it could take up to a month to get a new check and said everything was taken care of and the process was started. I received a phone call from them over the weekend, they left a message that I could not understand. I called back on XXXX/XXXX/15. They wanted me to wait to place the stop payment until the end of the week because the check was n't mailed until the XXXX. I told them I would not wait. The request for the stop payment should have been placed on the XXXX to start the research process. I received the check dated XXXX/XXXX/15 at my home on XXXX/XXXX/15 with a postmark on the envelope of XXXX/XXXX/15. When I called today they stated that the check dated XXXX/XXXX/15 was no longer valid and another check was over-nighted to me on XXXX/XXXX/15.
Per my divorce agreement, my former spouse was responsible for all debt including the mortgage. I gave him the quickclaim deed like I was required to do. Instead of putting the mortage in his name as required by our paperwork, he filed for bankruptcy. The mortgage company included me in on the bankruptcy and negatively reported me to the credit bureaus. I feel this is unfair. I did not file for bankruptcy, sign as bankruptcy paperwork and when I called the mortage company to explain the situation, I was told there was nothing I could do about it. I spoke with a lawyer and he informed me that Federal Law trumps Family Law, so I could only hope the bank did n't come after me for his debt even though he was responsible for paying that debt. The result was the Mortage Company discharge the loan and negatively reported me. My credit score dipped down to XXXX after this happened. I have worked very hard to bring my score up. I feel since I can prove through my divorce papers that my ex was responsible for payment of the loan, the incorrect information should be retracted from my credit report. Why is there no protection for the spouse who does what is lawfully required of her, but the other spouse can max out every card, buy a new truck and then just quit paying his home loan and get away with it? I pay the price of not being able to buy my own house, a car, and/or secure a higher paying job because my low credit score dings on a background check for employment?
As the executor of my father 's estate, I wanted to continue using the two bank accounts he already had set up with Wells Fargo. I conveyed this desire to the Wells Fargo banker when I set up the estate account ( last 4 digits are XXXX ), and he said there was no problem with that, and we set up the account. I would estimate that a few months ago, I received a phone call/letter from the insurance company that was being paid out of my dad 's old checking account. The auto payment that was set up had bounced back. When I contacted Wells Fargo about it the first time, they tried to tell me it had nothing to do with my accounts. Then I discovered that my father 's checking and savings account had been locked. Upon further time consuming phone calls and branch visits, I was told that a " back office '' Wells Fargo employee had taken it upon themself to lock my father 's old accounts. After a great deal of wasted time, the banker at the WF branch next to the XXXX XXXX XXXX XXXX in XXXX XXXX CA told me that my only option was to close my father 's 2 accounts and move the funds to the estate account. This was NEVER raised as a problem when I first opened the estate account with Wells Fargo, and the banker who I did it with clearly knew that I was also managing my deceased father 's two accounts. Wells Fargo also mailed a check to my father for {$25.00} which I unfortunately mis-placed. Unfortunately, the letter that accompanied the check did not state what it was for. I can only speculate that perhaps his local branch had opened accounts he did n't know about. My efforts to have Wells Fargo re-issue that check have been blocked every step of the way. I 've worked with XXXX ( sp? ) at the XXXX XXXX branch, who had put in multiple calls to his Wells Fargo colleagues during the past 2 months, but alas, has nothing to show for it. I 'm disappointed that : A ) Wells Fargo did n't tell me originally that it would be an issue to keep my father 's checking and savings account open. B ) I learned that they froze his accounts- not because Wells Fargo staff contacted me to tell me, but after my insurance company 's auto-pay transaction did not go through b/c Wells had frozen it. And, the first time I called to ask about this, the Wells Fargo person erroneously told me the bank had nothing to do with the transaction not going through. C ) Getting a simple check re-issued for {$25.00} has turned into a saga with Wells Fargo, and even working with a local banker, it appears to be impossible.
According to XXXX, on or about XX/XX/2018 the collections account was deleted off my credit report. Shortly thereafter, the collections account was added back by the creditors. I've asked them to again remove the account from my credit report again. Please have them permanently remove this account from each of my credit bureau 's report.
I applied online and was approved for a Fifth third credit card on XX/XX/XXXX. 

On XX/XX/XXXX two fraudulent charges totaling almost {$1400.00} were made on my XXXX card. According to the XXXX Rep, the charges were for airfare to XXXX via XXXX I've had to cancel the XXXX card. 

It seems like too much of a coincidence that the day after I apply for one bank 's credit card my other credit card gets hit with fraudulent charges. 

How can I be sure that Fifth Third or the credit reporting agency didn't leak my info?
submitted my original dispute to XXXX and Experian and was told by phone that the dispute was never started but they sent results saying it was completed and will remain. The documents I sent to them were never uploaded for a dispute. It was an XXXX mortgage t originally through XXXX XXXX XXXX the 20 % has been deleted from all XXXX bureaus. XXXX XXXX is the only bureau that has deleted the 80 % ( XXXX XXXX ) and the 20 % ( XXXX ) for both creditors the fraudulent mortgage from my report but XXXX and Experian did not delete the 80 % and have not even scanned in my supporting documents but they keep saying the information should remain. XXXX XXXX XXXX has not been established as the new payee and they do not have the original mortgage note.
I tried 7 ti  mes to obtain a loan modification for my Citimortgage loan and was declined time and again until the last attempt. When I read the " fine print '' buried in the agreement I discovered that there was no actual relief granted to me. All the bank did was defer a portion of my balance so that I would have a nearly {$250000.00} balloon payment in 15 years.
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I 've enclosed a copy of the letter I recently sent to Citibank by certified mail demanding a recasting of the terms of my mortgage because of the mistreatment I received during my countless efforts to get mortgage relief. My letter was ignored by Citibank.
my account was hacked i notified the bank when i realize my money was taken out and a fraudulent check was put in my account.the bank reimbursed me now telling me the money withdrawl was ok. which wasnt the case. it was bank of America
Portfolio Recovery purchased debt I owed on a former XXXX Card Services/XXXX XXXX XXXX credit card. The statute of limitations expired on this debt in XXXX, XXXX. They were calling several times a day from different numbers. So early in XXXX, XXXX, I sent them a certified letter asking them to stop calling. I have tracking information showing the letter was received. But they still call several times every day. In addition to the number I provided, they also call my cell phone, XXXX. I don't answer the calls, but they are still annoying.
Interest Rates that were based off of inaccurate information on a loan that I had paid in full the first month of having the loan. In addition to this, nothing was said about my current military affiliation.Currently I am a service-member the interest rate is unfair and unethical. I am at risk now of losing my vehicle.
My XXXX does not reflect the correct amount paid for property tax. I have contacted the mortgage holder ditech 3 times to get it corrected and it is still incorrect, The law requires a XXXX be delivered by XX/XX/31 and delivering an incorrect one amounts to not delivering one. It is impeding my tax filing.
I have my property at XXXX, Georigia - XXXX. My loan is with Nationstar Mortgage LLc., I have reached 78 % of LTV on my loan on XXXX XXXX, XXXX. As per 'Home Owners Protection Act '' of XXXX, Nationstar Mortgage LLc., has to automatically terminate collection of PMI which is private Mortgage Insurance from XXXX XXXX, XXXX onwards. They are still collecting XXXX dollars every month knowing full that as per the Act they will have to refund. I took the matter to XXXX and they are not removing and say the principal balance to reach 78 % is XXXX XXXX, XXXX and when I reach the Principal balance of 78 % on XXXX of this year, XXXX, they will not remove even though I have reached the 78 % LTV one year before and they treat the earlier reaching as early removal and as borrower requested PMI removal at 80 %. I want the PMI to be automatically removed since I reached 78 %. My loan account number with them is XXXX.
I sent a wire transfer of {$5000.00} to Coinbase onXX/XX/XXXX. They reversed the wire three days later (XX/XX/XXXX ) due to a name mismatch. The money never made it back to my account. I sent several emails, one 7 days after the notice, another one after 14 days, and recently one after 16 days. All I got in response is " Hi XXXX, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' They have still not reversed the wire. I called their bank and they said the money is in Coinbase 's  account. As of now I have still not received my money back.
They send me a email threatened me to send me to jail!! I have the email. I paid this loan off I have bank statements shows that they took there payments out every two weeks for 3 years XX/XX/XXXX to XX/XX/XXXX, I do n't like being threaten to be sue and arrest.
I reported my card canceled one day and was waiting for another one in the mail. Well I never carry cash on me and I got a ride home one day. Wanted to give her some gas money but had explained that my netspend card had been stolen so I fell asleep in the car with my tool bag and my wallet and my meds were stolen. Unfortunately I keep my login info in my wallet she must have called and had the money transfer to her acct. So my friend called me later and as asked me where his girl got all this money at. So I looked at my app and it was all gone.
I had a XXXX XXXX credit card {$300.00} dollars i paid on it then i had a few money issues then i received calls after calls finally someone offered me a settlement. Then it got handed to XXXX XXXX i took it they never gave me paperwork that this is resolved plus they had 2 different account numbers on my credit report one said satisfied XXXX and another XXXX not settled debt owed so they need to fix it i called but talk to different people over and over again
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( which is reported multiple times ), XXXX XXXX XXXX ( which is reported duplicate )
In   XX/XX/XXXX , i t is alleged by  XXXX  that I made a late payment on my student loans. Whether this is true or not is the matter at hand. What I 'm filing a complaint about today is that after  XXXX  reported this to the credit bureaus, it shows up as  XXXX  delinquent accounts since my student loan was in  XXXX  installments. But this is misleading and inaccurate for the following reasons.  <P/> When  XXXX  sent me emails they said, " my account is ready to be paid. '' Note, it did not say accounts, plural. When I mailed in a check each month, it was paid with  one check. When I paid the loan off in full in  XX/XX/XXXX , I made one payment with one check to satisfy the remainder of the loan. I made one late pa yment, it should be reported as such. A prospective employer, landlord, mortgage provider view me as someone who made  XXXX  late payments. But I 'm not. Fact.  <P/> I tried contacting  XXXX  and the credit bureaus but they ignore me. It is very difficult to get a hold of someone from the credit bureaus. This misleading and inaccurate info on my credit report has hurt me financially. What was once a viable next step in my life of purchasing a home has become a nightmare that likely wo n't happen until all these negative remarks are off my account in the year   XX/XX/XXXX  . I 've been told by landlords my credit score is too low. When I applied for a personal loan, the interest rate was 32.5 %! Is that even legal?  <P/> Update : I got an email from a crimin al investigator with some  organization. I was so excited that someone might be investigating criminal charges against  XXXX , I told all my friends.  One said be careful, figure out wh o is contacting you. I   XXXX    it and found this organization is actually  XXXX ! Why would  XXXX  send a CRIMINAL  XXXX  nvestigator to contac t me without saying they are from  XXXX ? More misleading and shady behavior from a corrupt organization. Is there goal to scare and intimidate me? In the last email from this  investigator he says, " we will consider your case closed if you do n't contact us. '' Hahahaha! This  is far from closed  XXXX .
I was charged over draft charges from the use of my debit card, as well as NSF charges in spite of the fact that I never " opted in '' nor authorized any overdrafts or charges on my account. indeed, I specifically opted out of this coverage and believe that PNC Bank is engaging in predatory practices in clearing checks and charges to their accounts.
XXXX XXXX is reporting a collection account from XXXX on My XXXX, Equifax, and XXXX credit report as an open account. There has been several requests for validation of debt, but none provided from each credit reporting agency. I have no knowledge of said debt. I am also concerned because this information was shared illegally ( third party ) without my informed and expressed consent.
While checking my credit score this month I noticed for the first time on my credit report I had a negative item. When I looked it says it was a collection item from XX/XX/2012 that I never knew I even owed. I have perfect credit score with no negative items on my credit. I never once received any notice, call or  communication stating I owed this debt.
The problem is with XXXX for my student loans. I was granted a deference a couple of years ago, but XXXX still reported to all XXXX credit reporting bureaus XXXX Experian, XXXX XXXX, etc. ) that I defaulted or missed payments on my loan. 

I had worked with XXXX and others and I sent multiple letters to Navient, but they told me there was nothing that they could due for my credit rating. 

I am in excellent standing and I just ask for a short-term stay while I got a job ( which I did and still do ). 

This credit rating is ruining my credit and I can not get a loan on a new home at a low rate. 

I have attached a document from XXXX with all the information.
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report.After you have remove items please send me copy of updated report. 
An FTC had been filed and a police report will be filed. 
Thank you.
I stared XXXX dental treatment in XX/XX/XXXX. The doctors office suggested I use Synchrony Bank to pay for the treatment even though I was going to pay cash and so they went through the process. The Dr. however scammed me and never finished the work and even caused additional issues and I am currently suing him. I stopped paying the debt because according to Synchrony Banks retail agreement that they gave me " if you are dissatisfied with the goods or service that you purchased with your credit card, and you have tried in good faith to correct the problem with the provider, you may have the right not to pay the remaining amount due on the purchase ''. I did try in good faith many times and made Synchrony Bank aware, but instead they added interest on the account to bring the amount to more than double of what the balance was which was only {$1000.00}. This happened after speaking to one of their representatives who told me not to worry about the apr going up because I was in the middle of suing the DR. so the apr would not go up which was completely false information. I have written letters to them to the address they gave me SYNCB C/O Card Services XXXX FL, XXXX and they do not respond. The last 2 letters were sent XX/XX/XXXX & XX/XX/XXXX with absolutely no response. I emailed them and also received no response. They are damaging my credit by reporting the account to credit agencies and this needs to stop. They have thousands of complaints against them online. 
Care Credit Account # with Synchrony Bank is XXXX Thank You.
Made a payment with a telephone customer service rep, who could not resolve the access problem I was having with the online account. She could not understand why the online account was still locked after she made a password change. ACH payment was taken on  XX/XX/XXXX  and subsequently rejected for insufficient funds on  XX/XX/XXXX . Target did not resubmit to the bank for second attempt at payment and held the pending payment until  XX/XX/XXXX  before cancelling payment and charging account for late and returned check fees. Calls to and from Target card services, CS reps could not give any details as to what happened and why. My bank stated that ACH was submitted only once.
Apparently, this is a Target policy to collect more fees from customers by only submitting an ACH once.
 XXXX  complaint only got a response from Target that said to call   XXXX   number which can only get to a live person after about 10-15 different attempts at getting out of voice jail. Attempt to get to a supervisor was not possible.