WillisBack/dataset-financial-user-claim huggingface dataset:
The following credit card accounts have an incorrect balance. All the accounts have a XXXX balance. 

1. XXXX XXXXXXXX XXXX XXXX XX/XX/2018 97 % Balance : {$290.00} / {$300.00} 2.  XXXX XXXX Reported XX/XX/2018 47 % Balance : {$93.00} / {$200.00} 3.XXXX  XXXX XXXX XX/XX/2018 47 % Balance : {$470.00} / {$1000.00} 4. XXXX XXXX Last reported : XX/XX/2018 {$990.00} Good 5. XXXX Last reported : XX/XX/2018 {$600.00} Good These account below have a incorrect balance. 

AUTO LOANS 1. XXXX Last reported : XX/XX/2018 {$44000.00} Good 2.  XXXX XXXX XXXX Last reported : XX/XX/2018 {$9200.00} Good 3. XXXX Last reported : XX/XX/2018 {$9200.00} Good The account below is not a charge off, account is being paid on. 

AUTO LOANS 1. XXXX XXXXXXXX XXXX Closed : XX/XX/2018 {$28000.00} Closed
This company has allowed a credit card to be opened fraudulently in my name. 
XXXX XXXX I have already provided an identity theft report and I am not recieving any assistance from this company on this situation.
I attempted to make a payment using XXXX who without my permission established a credit line for me and made a hard inquiry to Equifax without my permission and XXXX notified me that they put that inquiry on my credit report without my permission and told me they are unable to remove it without XXXX telling them to. In turn XXXX tells me there is nothing they can do about it.
We took out a lease on a 2018 XXXX XXXX. The leasing company was extremely slow in providing us with any invoice or bill which contributed to the confusion. We purchased the vehicle in XX/XX/2018. A payment for the vehicle was made at the time of purchase. A subsequent payment was made in XXXX for the amount due. Another payment was to be made in XX/XX/2018 in which we were late. This payment was made on XX/XX/2018 as per the attached confirmation. This was several days before it would have been 30 days late ( XX/XX/2018 ). In the leasing companies over zealous handling of this matter they now show us late on our credit reports. This was explained to them by phone, but their representative either did not understand it or did not care. We are attempting to avoid litigation but our patience is running out. We have attached the confirmation sent to my wife 's email.
To whom this may concern, I am inquiring if Scottrade Bank will provide Identity Theft Protection Services for the failure to handle customer data appropriately. Specifically, in 2013, XXXX XXXX, a branch manager at Scottrade Bank instructed me to send personal information via an insecure channel ( plain text email ), I at XXXX XXXX 's request, I provided the information via email and was subsequently a victim of identity theft and theft of personal information. 

I am requesting if Scottrade Bank will provide me with retroactive Identity Theft Protection Services or Identity Theft Insurance. 

Sincerely Yours, XXXX XXXX XXXX
I have been working towar d Public Service Loan Forgiveness for 8 years, paying under an income driven plan. I called   Fedloan Servicing on  XXXX / XXXX /  XXXX   to ask why my monthly payment had changed. The person I spoke to suggested I change my repayment plan to the standard 10 year repayment plan to save on monthly payments. I asked repeatedly if this would affect my  PSLF  eligibility. They said i would still be eligible for forgiveness in 2 years. I applied. I called back 10 days later to check status and ask someone else if eligibility would be affected. They said I should still be eligible and that the request was pending. When the request was approved, fedloan servicing sent me the repayment terms. The terms ere standard payment for a 20 year plan. Only the 10 year plan is acceptable for forgiveness eligibility. I called. The operator noted that when i consolidated, I was put on a 30 year repayment term and could not deviate. She told me I had to now reapply for an income driven plan. My request is still pending. This inaccurate information from the servicer will result in a delay of my forgiveness.  Imagine  if I did not understand the program and made payments under the new plan, only to be denied eligibility for forgiveness in 2 years.
On XXXX, Equifax received a dispute letter with several accounts I have found to be invalid ( XXXX - attached letter and CMRR - XXXX XXXX XXXX. It 's now over 40 days and I have not even received a response.
I have sent proof of identity theft to the XXXX credit bureaus they have not acknowledged the information or removed any of the accounts. I have done this on 4 occasions in the last year, i have gotten a police report, ftc affidavit, and requested the bureaus to send me proof of these items that they are saying i recieved gainfully. I do not know what else to do at this point. I have done everything that was requested and they will not remove the items
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2012, XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Equifax and XXXX are not responding to any of my numerous requests to investigate and remove accounts from my credit reports that were opened fraudulently.
XX/XX/2019 I called BHFC Financial, the company financing my vehicle asking for my balance on my auto loan. After 15 months, the manager said {$11000.00} and some change. After knowing how much I purchased the vehicle for, {$13.00}, XXXX and my monthly payments being {$390.00}, I ask him to help me understand. He didn't want to, instead, he loud talked me, over talked me, avoided my questions and told me that if I didn't understand, I could call back and he'll explain it. He then hung up in my face. Something isn't sitting correctly with me and I am asking for help.
XXXX XXXX XXXXl is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed. 

Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.
My student loans went into default. I worked with XXXX. XXXX XXXX XXXX to get my student loans out of default. I st up payments with them for a year and then at the year they told me they could no longer help me. My account was then sold to another collections agency with out my knowledge. I have been trying Contact my original loan service to see where the debt had went. They were unable to assists. Said i did not owe. Now my check is being garnished by Collection Technology XXXX XXXX XXXX and when i try to contact them i can never get thru. I have never recieved a bill from the new collecion agency however they were still able to process a wage attatchmnet. I have filled out several applications for loan consolidation and I am not sure which direction I should be headed in and who to reach out for help
I checked my credit report on XXXX XXXX to discover that I had 6 hard pulls  on my credit report, of only 3 that I recognize. XXXX XXXX, is whom I have my SUV financed through. XXXX XXXX, is the dealership I purchased my SUV. XXXX XXXX  financed a credit card from XXXX. I would like the other 3 removed form my credit report. Please remove the following : XXXX Inquiry from XX/XX/2017 XXXX XXXX  Inquiry from XX/XX/2017 Credco Inquiry from XX/XX/2017
I paid the  XXXX   XXXX   XXXX  off in  XXXX . They sent my title. I do n't owe them anything, but the way  Santander rep orted it on my credit looks like I still owe. They reported it as a "  XXXX  balance '' which looks negative on my part. I feel it should say " paid in full. ''
Equifax has confirmed that this account XXXX XXXX XXXX XXXX is both inaccurate, and then incomplete, and has stated that there is nothing they can or will do to correct the problems that are apparent on this file. 

Please note the first XXXX responses, however incorrect from EQ - from, we verified your ssXXXX, name, you own the account and those responses were never the issue I do NOT believe that EQ change the designator before XXXX ( their last file print date ) as I have credits reports for each day up and through the date printed on the final report - and with NO change to the Activity Designator. 

Considering the statement date for this card - and considering that XXXX says they are sending a Closed status - I am unable to be left in the middle. 

The account/tradeline 's Activity Designator is incorrect The account Pay History is incorrect The Accounts Pay History is Incorrect As per FCRA rules, that allow for the deletion of tradelines that are in this state - PLEAS DELETE this account. 


Equifax has reviewed the complaint and its records. We show that you recently contacted Equifax on XXXX/XXXX/2016 via case XXXX regarding the item listed in the complaint. The results of the investigation were sent to you on XXXX/XXXX/2016. The activity designator field on XXXX XXXX account XXXX was subsequently updated to C. This update was undone when the credit grantor made their monthly report of this account. You were also advised that this account is reporting as closed by consumer. Please be advised that the " current status '' of an account is reflected in the status field of the trade line and not in the activity designator field. The current status of this account is XXXX.. Equifax is unable to take further action on the items that you have listed on this complaint. As previously requested, if you have additional relevant information and/or documents, please forward it to us and we will review and/or pass the information/documents to the data furnisher for review
Please remove XXXX from my collection and any another areas that it is showing up. It is flagging as an eviction when really it was a collection for XXXX is preventing me from renting, and was dismissed with my bankruptcy.
Hard inquiries made without my knowledge or permission. 

TransUnion : XXXX XXXX - Inquiry from XXXX made 2 times on same day XXXX XXXX, NJ XXXX ( XXXX ) XXXX I R XXXX XXXX Inquiry from XXXX/XXXX/XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX from XXXX/XXXX/XXXX No contact info listed XXXX XXXX Ser - Inquiry from XXXX/XXXX/XXXX XXXX -Inquiry from XXXX/XXXX/XXXX No contact info listed
I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AR RESOURCES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
I purchased a car in XX/XX/2004and it was financed through Wells Fargo. I have made all payments on time and never received my title.
On Friday XX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX office in XXXX XXXX, TX at XXXX. I spoke with a representative in reference to a medical bill for son thats reporting on my credit report in the amount of {$770.00} from a hospital visit on XX/XX/XXXX. I asked the rep if she could provide me with the information of the insurance they billed for payment so I can try to understand why this account is now in collection. She told me she was busy and had to look for that information. I called back again at XXXX and she told me again that she was busy and would call me once she found the information. I called XXXX XXXX XXXX and XXXX for an Explanation of Benefits for dates of service XX/XX/XXXX and only XXXX had one. XXXX denied the claim due to other health insurance which is correct because XXXX XXXX XXXX is my sons primary insurance and XXXX is secondary. I stopped by in person the XXXX Hospital and got a detailed hospital visit from that date of service as well as spoke to billing about the hospital bill and physicians bill. The billing rep told me the hospital billed for their portion but was not able to let me know about the physicians because they only handle the hospital portion. He was able however to tell me who to contact about the physicians bill. One I called the office that handled the physician bill they explained to me they did not have a bill for the dates of service in question. I the contacted CMRE which is the credit collections agency and told them that the company they are collecting for did not bill my insurance correctly and I legally can not be held responsible for that. I sent the Explanation of benefits to them and they are now investigating it. Ive tries several times to disputed this account with XXXX  but they keep stating the account is good. Im curious to know how they closed a disputed so quicky when they are required to reach out to the agency to prove validity of the account. I know for a fact they didnt do that because the XXXX XXXX no longer exists because it has been bought out by a new company. Im providing the hospital bill that was paid and on the same date of service of the physicians bill. Please help me get this removed from my credit report
I could not find the actually problem I am having on the list of problems. I am having a problem with their automated dialer dialing me sometimes up to 8 times a day. One or 2 calls a day with a voicemail would be suffice to let me know I missed my payment. In this case it was an accident, I forgot to log on and make the payment and although I am glad they reached out to me to let me know I owed them still, I am very unhappy that I recieved 8 phone calls withing a 24 hour period and when I did get home from work and was able to answer the XXXX phone call they hung up without an explanation. I consider this harassment. Edit : While typing this out I went to log back into my account. They had removed my phone number from the system. So now I can not log into my online account without adding my phone number back onto the account. This in turns gives them permission to call me. I am sure they removed the number after I complained about the number of phone calls I had received. Seeing that I have paperless billing with them and can only pay my bill online I now feel like I am being forced to accept them calling me every 3 hours in order to be able to use the card, or to pay it.
On   XXXX   XXXX   XXXX     I had a repair service billed to my credit card for {$310.00}, in which I made a payment on  XXXX  of {$53.00}. I did not see another bill until the end of  XXXX  (  XX/XX/XXXX statement ). I noticed a {$27.00} late fee and did n't understand why. I called  Well Fargo o n   XX/XX/XXXX a bout the bill and was informed that I had a bill (  XXXX   )  prior to the bill I had received. After a few minutes of discussing the missing bill, the  CSR indic ated that she would waived  XXXX  credit  XXXX  the charge as a courtesy on  XXXX  and sent me a copy of the missing bill for my records. Since the payment was {$80.00}, I sent in the differ ence ( {$53.00} )  on  XXXX  to complete paying the amount due. On the next bi ll (  XX/XX/XXXX  ), I now  see a {$37.00} late fee. I am confused again since I have been making multiple payments on my card. So I called again on XX/XX/XXXX  to inquire what was going on and I was told that the credit was not applied against what I had to pay but against the balance. I argued that that was n't what I was told and that in the conversation, the  CSR di d not indicate that I still had to paid {$80.00}. The CSR I was talking with would not remove the charge because they had remove the prior late fee. I asked to talk with a supervisor and while I can not remember whether it occurred in that conversation or whether the supervisor call back, I was able to talk to a supervisor and explain my case, emphasising that if I had received the missing bill, the first late fee would not had occurred AND that I was n't aware and I was n't told that the waived fee would n't count as a payment, I should n't be penalized for the  CSR not being clear and I do n't work at the bank so my understanding of amount be credited to my account and Well Fargo ( seem ) to   be different. The supervisor indicated that the fee would be waived but the credit  may not show up for up to 2 cycl es. I continued to make payments and paid off the amount owed. When I did n't see the problem corrected, I called back on  XXXX  and was back at square  one. I do n't have a problem with the bank making money but not by taking advantage of the customer. This has now seriously affected my credit score and other credit accounts.   <P/> I can see if I was acting in bad faith, but I tried to be proactive in handling issues with my accounts.
To whom this may concern, I have three late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The card issuer is capitol one. The reason for the miss payments is due to the fact I am not informed on technology and I dont understand how to use them. The Reason why the banker told me to set up an automatic payments for the capital one platinum for the convince and the fact that Im too old to understand technology. There was a miscommunication within the banker who told me that my minimum payment was only $ XXXX monthly. So I made the automatic payment in the amount of {$20.00} a month when the actual minimum payment is {$25.00} at the time. I found out when I received the late payments appeared on my credit report-and I contacted Capital One and explain the situation they could not help me even though their banker helped me set up the minimum payments that caused this whole issue but now it needs resolving. This has caused a spectrum of issues in my credit affecting my life style and my family. Please help me.
TRANSWORLD SYSTEMS INC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, XXXX XXXXConsumer Hotline : ( XXXX ) XXXX-XXXXConsumer Hotline Fax : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you TRANSWORLD SYSTEMS INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : TRANSWORLD SYSTEMS INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX XXXX
XXXX XXXX XXXX reached out to me on XXXX XXXX, 2017 about the Student Loan Forgiveness program. They informed me that I qualified for student loan forgiveness and all I needed to do is pay XXXX a month for three years. I was advised that their company would take care of my student loan and that I did not have to pay anyone else. I thought they were a credible company because they claim to have affiliations with the Department of Education. Also, I was informed that I was enrolled in a income based repayment plan, which I was referred to enrolled in that program by my current lender, XXXX XXXX. Mistakenly, I thought XXXX XXXX XXXX was related to my current lender XXXX XXXX and that 's is not the case. XXXX XXXX XXXX misrepresented their selves and did not disclosed that their finance company is Equitable Acceptance. Equitable Acceptance is currently showing a inquiry on my credit report even though my consolidation application is processing along with a cancellation request. XXXX XXXX XXXX is using their finance company Equitable Acceptance to charging for services for preparing the documentation to consolidate a loan rather than help pay the loan off as they advertised.
The issue I am having is with the credit reporting agency Experian. I have submitted three separate disputes regarding a collection account from XXXX XXXX XXXX XXXX. I have gone through debt validation with this collection company over a period of several months and during this time, the collection remained on my report. XXXX XXXX did not provide me the information I requested during the validation process to demonstrate that the debt was valid. I have since disputed with Experian once in late XX/XX/2018, once in XX/XX/2018, and once again in XX/XX/2018. Experian keeps verifying the account despite the fact that the collection agency is required to cease collection activities ( such as credit reporting ) during the debt validation process and was also unable to validate the debt. The collection account remains on my credit report today and it is inaccurate. XXXX has already deleted this account and XXXX is still in the process of investigating it.
I leased a motor vehicle for the amount of {$13000.00} I made all my payments on time paid within the first two months of the leasing the vehicle broke down and I had it towed back to the dealer the dealer asked for additional funds for the car repairs the vehicle was not drivable. Prior to this within my first month I had the vehicle in the dealer 's shop several times and they declined to fix it or giving me another vehicle I was forced to keep a bad vehicle with multiple problems that was unsafe to drive when I declined to pay the substantial amount for repairs I involuntary repossessed the vehicle to the dealership the vehicle is currently in possession of the ownership of the dealership.
I 've called the company and explained, that I 'm trying to buy a house. Also I 've been on-time for a while can you please help and take some lates off my account the company refused my request.