WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/XXXX became aware that PNC bank had not set up autopay for the {$7.00}. I was travelling, called in PNC spoke to account rep, who said it was taken care of. On XX/XX/XXXX I got notice that my credit score dropped from XXXX Excellent to ( depending on agency ) between XXXX to XXXX. I called in again, I spoke with a recovery manager, XXXX, who said he had updated the information for the credit bureaus, and listed it as a bank error and NOT my delinquency. I was told this process would take at least a full billing cycle to correct, and PNC would not provide me with a letter confirming the bank error and not my delinquency. XXXX said, credit bureaus would update faster than PNC being able to provide me with a letter acknowleding this bank error. 

This is absurd. I've never been late even 1x, nor ever deliquent. I use only 4-5 % credit. The amount now was {$27.00}. When I travel, my usage can be higher and I ALWAYS pay it down when I return and NEVER pay minimum payments. this is totally unacceptable. 
It is a bank error and I have to wait 30 days or longer to get this to update on the credit bureaus. I need to apply for a loan now not next month. I have filed disputes with them, XXXX and XXXX. why can a bank, acknowledging it was their error, be allowed to get away with affecting someone's credit this way and not fix it immediately? 

I called again, They put me through to XXXX in Escalation department ( XX/XX/XXXX ). Although everything is in the record, she had to research what was in the record ( not complicated stuff ) and promised a call back. I called again and the bank said she would call me by XX/XX/XXXX at XXXX. another absurdity. 

My loan interest rate will be significantly higher because of this error and their error is a major cost to me. they need to update IMMEDIATELY for their error and not have me wait.
XXXX claims they sent a letter of validation on XXXX XXXX 2013, i would like for them to send me a copy of said letter. 

Also i need to ask how much they purchased this said debt for from capital one.
I had a payment set up with my PayPal Mastercard and it did not go through properly on their end. When I saw this the day after it was due, I immediately put another payment through which was successful. I called, chatted and emailed PayPal Matercard ( Synchrony ) and asked that the {$38.00} late fee be reversed and went on to be told no. I dont this this is fair as it was set up, then paid within 24 hours after the mistake was found
Disputed XXXX incorrect collection accounts, XXXX and XXXX, and requested the erroneous accounts be removed. Credit Bureau has not removed accounts.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I pulled my annual credit report and found a car loan from Santander Consumer USA, which I have never obtained. This account has created a negative impact on my report and reflects payments that were late. This information is extremely injurious to the character of my creditworthiness. I 've disputed this with the Credit Reporting Agency ( XXXX ). However, I feel that I needed to file a complaint, as this sort of business practice is fraudulent to say the least. The placing of a frivolous account, name variation and an associated social security number on one 's credit report, MY CREDIT REPORT, is a direct violation of the " Furnishers Rule '', as well as FDCPA violations and must be address expeditiously.
My signature was copied and used on a promissory note by a financial aid officer at a XXXX in 2002. I was informed by an unknown person that this suspect was being investigated ( during this time frame ) by a voice mail left on my answering machine. I was asked to call. I was too sick to return the call at the time and actually forgot about it until my XXXX refund was intercepted by ECMC. I explained the situation to them and they asked for proof. The school has changed names, all of the staff have been replaced and no one can provide the answers that I need. I am left to struggle with a meager XXXX that has also been intercepted by ECMC and currently on XXXX. My utilities are months behind ; because I was expecting my tax refund. The XXXX informed me that ECMC should never have been involved ; because I was under forbearance for other loans and was also a student. It has been a nightmare that has caused my life to take a downward spiral. I need help please.I am also XXXX.
I am a   XXXX   XXXX   in   XXXX   XXXX   to   XXXX   XXXX  . Today (  XX/XX/XXXX  ) they sent out a generic email stating there was an account update and to log in to see it. Upon login, a small window opened saying that they had made an unspecified error in calculating returns and that our account should now show correct information. When I closed the window there was no way to view the message again and no further explanation to be found anywhere on the site.      Prosper  does not provide return calculations on their statements, so I have no way to show what the provided return was at any given point in time. However, I texted my father on  XX/XX/XXXX  that my return was 16.81 % as provided by  Prosper. Upon logging in today, my return is shown as 9.42 % Prosper has been routi nely, and I suspect knowingly, overstating returns for years. At no point since I first invested in the platform in   XXXX   has my return been stated at or below 9.42 %, whereas  Prosper 's   restated returns show many years with a return under that amount. I follow the peer to peer investor community forums and I am not the only person experiencing this today, virtually everybody is reported returns restated to lower values.     Finally, becaus e Prosper has r ecently removed the ability to sell notes on a secondary market, there is no way to liquidate my investments with them. I simply have to accept my new, lower returns and slowly pull money from the platform as time goes by.
I bought a prepaid XXXX card from XXXX. The card is from NETSPEND Corp in XXXX, TX. I put {$500.00} on the card and forgot about fees. I tried to make a purchase for {$500.00} XXXX XXXX, 2015 and the card was declined to the Merchant ( XXXX XXXX in California ) so they cancelled the order. NetSpend has put a hold on the {$500.00} and wont release it to me despite numerous calls to them. I had to use a different card to purchase the product. Netspend says I have to have the merchand send them something stating the order was cancelled. The merchant says " When I cancelled that order it went into cyber space .... '' how do I get NetSpend to release the money??
My house was foreclosed on after I moved out. The mortgage company was Ocwen Servicing. They have never recorded the deed and they have it on my credit as being behind AFTER it was foreclosed. I need to get this record corrected. I looked the property up online and that is where I got the date of XX/XX/2013 when the deed was transferred. I want proof of when the deed transferred back to the bank and no one is giving it to me.
I am applying for a home loan and was informed that there is a collection item on my report. Its is on XXXX. It shows I have a collection item through Southwest Recovery in the amount of XXXX. I have no idea who or what this is. I tried to dispute this through XXXX wed site but was giving a screen that stated that " You have no negative account on file '' and was not allowed to go any further. I called every number I could find for XXXX but was unable to speak to anyone just got info regarding the security preach. I then contacted Southwest Recovery. I spoke with XXXX XXXX and then XXXX XXXX.After spending over an hour on the phone with them.Neither one could find an account with my name, address, phone number or last 4 of my ssn. They did on more than one occasion asked me if I knew a XXXX XXXX. Which I do not. This is the only bad mark on my credit bureau and is stopping me from getting a HUD-184 loan. I do not know what to do next and hope you can help. Name XXXX XXXX XXXX, XXXX Acct # XXXX. SSn. XXXX. Address XXXX XXXX XXXX XXXX. XXXX, OK XXXX The account shows it was reported on XX/XX/XXXX, Opened on XX/XX/XXXX, last active XX/XX/XXXX and reviewed for 6 months.
There were XXXX charges from XXXX that i dispusted on my credit card. 
They should of been credits not debits. 
US Bank ignored my correspondence and failed to provide any evidence to support their reversal of XXXX charges for XXXX & XXXX. I do not have a XXXX account
For the past several months Sallie Mae has consistently applied late fees and given no resolve to my payments being reversed for no reason. I have contacted both my bank and Sallie Mae about this issue, but they continue to badger and harass me after these payments are being made then reversed. The banking information I have on file with Sallie Mae to make payments is correct as at least once the payment I've made posted. That payment was {$160.00} made on XX/XX/2018. After this there is a random reversal of {$53.00} made to that {$160.00} I paid which was done on XX/XX/2018. After noticing this I immediately made another payment of {$53.00} that same day. The same exact thing happened on XX/XX/2018 in the amount of {$53.00}, so I made a payment of {$53.00} again to cover this reversal. Late fees have been consistently added every time this happens, and they tell me sorry, but there is nothing they can do. I made a payment on XX/XX/2018 {$160.00} that was reversed on XX/XX/2018 as well, and again, the banking information is correct as they have had one or two payments that were debited from my bank account. XX/XX/2018 {$270.00} was scheduled to post for the ever growing amount that was past due ( even though I MADE those payments! ), and it still has yet to show debited from my bank account even when it says it has been paid on Sallie Mae 's dashboard for my transactions history. This is wrong, and I want this fixed.
I have been working diligently to repair my own credit. My credit score was XXXX XXXX weeks ago, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping everyday for no reason at all. My wife and I share the shame credit cards, and her scores are going up. All three credit bureaus are reporting my score inaccurately. My utilization is 27 % which is good, it dropped my score XXXX point because of this good utilization. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in a couple of weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX which I was told that Transunion owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. XXXX stated that I did nice work by getting my balance down, and with that they minus my credit score XXXX points for doing a great job. This is unethical please see attached picture of this.
I am currently trying to remove things from my credit by disputing them. I noticed on transunion things fell off then got added back. When I called customer service and asked questions the lady was very rude and refused to help me. Attached is a screenshot of the stuff removed and put back on. Thank you for your time.
Had A checking account that was compromised Called to cancel checks and they told me it would be a XXXX charge I agreed and they still let them clear with no money in bank account to cover them then charged an overdraft fee plus daily fee did not know that they had let them clear and that I even could overdraft over XXXX when my bank limit was XXXX if I went over XXXX then bank would cover it anything above that they do n't pay and send back this is not an accurate amount and do n't know where they came up with these amounts and I have requested copies of the origanl documents and still have not gotten a detailed bill.
We have requested identification of original debt for this debt collector. We do not have any open debt that relates to the account # they are claiming. Furthermore - despite repeated attempts for copy of original debt, we have received nothing. We are receiving sporadic debt collections mail, pre-recorded phone calls. This harassment is impacting our health as well as our credit rating and want this to stop.
On  XXXX   XXXX   2017, I sig ned up for one year of credit monitoring services with Equifax  Personal Solutions 's Complete Advantage Plan. This product is advertised as providing " cre dit report assistance '' and prioritized customer support.  <P/> On  XXXX   XXXX     2017, I ob tained a judgment for a legal name change and contacted Equifax immediately to inform them that, as the judgment was tied to a protective order, I needed my name change expedited on both my customer account as well as my credit report ( for the latter, I initiated the formal disputes process ). Equifax did n't provide me with any information over the phone and my emails received no responses for days at a time. Eventually they told me that I needed to fax them another copy of relevant legal documentation, even though I had previously emailed it to them twice and submitted it with my consumer file dispute on  XXXX   XXXX   2017.   <P/> On  XXXX   XXXX   2017, I  sent Equifax the required information for a fourth time, this time sending via fax. It has now been eight days and I have not received any acknowledgment of receipt, nor has my name been updated on my consumer account.  <P/> In addition, a number of features tied to the Complet e Advantage Plan revolve around comparing your credit to others in your geographic region. This feature is still pulling a ZIP code of mine from two  years ago, not in alignment with my credit report or customer account. I 'm paying for a feature that I needed that does n't even work.  <P/> I am very unhappy with the fact that I am paying Equifax a premium for prioritized customer support and this matter has gone without resolution for 40 days now. Due to the urgency of this matter I have decided to escalate accordingly.
I have a collection account listed on my credit report twice by the name of " Jefferson Capital System ''  original creditor " XXXX ''. " Jefferson Capital System '' is n't licensed in the State of Texas and therefore I 'm disputing this collection account.
For the second time in three months, another customer 's credit card payment was made to my account. Both times I notified Elan Financial Services who issued my card. The first time was resolved after considerable hassle. This second time I still have been unable to return the {$1900.00} incorrectly credited to my account. I have used Elan 's secure message service after I log in - giving the date and amount of the improper credit and stressing that this is the second time this has happened with the first one XX/XX/XXXX being resolved. The response took four days and said, " This issue was resolved XX/XX/XXXX. '' I then called repeatedly and had to wait on hold a long time. The first person I talked to said I should talk to a supervisor, but the supervisor never picked up. I called again, waited on hold a long time, and talked to a friendly, professional young man who said he would have a supervisor call me ; but so far that has n't happened. Someone is wondering what happened to their payment. I 'm trying to give it back, and Elan wo n't take it.
On XXXX XXXX, 2015 I mailed a certified letter to Financial Data Systems requesting a cease of communication notice. The return receipt was signed on XXXX/XXXX/15 by a XXXX XXXX XXXX. I received multiple calls after the letter was signed for. 
I also explained to the credit agency that I have not missed a payment, nor was I late EVER with a payment to their client. When I reported that to them, they claim their client is proceeding with collections even though I 'm not in default in any way to our existing payment agreement. 
And there were fees in the amount of {$370.00} additional added to the balance of {$1500.00} I owe their client. They can not justify the additional charges.
I would like to pay debt owed. I ca n't find contact information to send payment. I would like to pay all collections owed. How do I pay, contact me @ XXXX
I have had this loan in the past but was called at work by a man named " XXXX '' who told my secretary that if I did n't answer his phone call I would be handed a subpoena at work in the next hour or so. 
A docket number from the court was attached to the message from the secretary and he said I could either call or they would show up at my XXXX. When I took his phone call he asked for my social security, ATM card number and offered me a " deal '' to pay off this debt. When I called this number in the evening to investigate further someone answered that was unprofessional and unwilling to give me information about his company ERG. 
I called back again and they would not give me an address to send a cease and desist letter to them. They would also not give me a liscence number for their operation/collection office. Doing an internet investigation it sounds like they are misrepresenting the court system and making threats as well as disrupting my co-workers and self. They are pretending to be government officials and coming up with bogus document numbers which in reality would be mailed out if they are legitimate.
AT & T Universal Card ( MasterCard ) cancelled our account without providing any notice on XXXX/XXXX/16, even though I used my card successfully on XXXX/XXXX/16 at XXXX to place an order for about {$50.00} ( Order Number # XXXX ). I tired calling AT & T Universal Card to have the account reinstated but they said no, that we would have to re-apply. I have no problem doing so, but we should n't have to go through that. Account closures affect credit scores and thus I would appreciate your help to get this account reinstated.
Home mortgage loan was transferred to another provider without notification. The loan had been on automatic payment with the original provider. The original provider was aware that I did not reside at the property address ( it is a rental ). The new provider failed to extract my mailing address from the old provider 's contact information however it did have my phone number. No one contacted me to inform me that : 1. The loan provider had changed. 2. My account was in default due to non payment ( 90 days ). 3. My credit history is now severely affected. I am looking to restore my credit history to the state prior to this incident. We have paid all past due balances.
Today I received an unsolicited business debit card in the mail from a company named netSpend in XXXX, TX. It has a MasterCard logo, 16-digit account number, expiration date, and 3-digit security code. I called the number listed in the accompanying letter to opt-out but there was no option to speak with a human and every other action required entry of a 16-digit code or SSN so I hung up. I have never done business with these people, am not interested in their products, and the unsolicited card put me at risk for identity theft and credit card fraud.
XXXX has a inquiry breach, and all the inquiries on my report from XXXX to present are not by me! Also someway somehow the EQUIFAX SECURITY BREACH affected me with the inquiries! And for some odd reason the same exact inquiries from XXXX, have appeared on my 2 other credit reports! There are over 70 CREDIT INQUIRIES ON all 3 of my reports and I have tried over 5 times with all 3 credit bureaus with no resolution at all, PLEASE HELP MY FAMILY AND I! I was affected by XXXX and there negligence in protecting my information! Please have them and the other 2 credit bureaus remove the inquiries! I have reached out to XXXX and EQUIFAX AND XXXX OVER four times, most recently the first of XX/XX/XXXX, but they keep blowing me off and giving me excuses! Please I need your help, I have XXXX kids and this has hurt my credit and caused me to have 3 credit card companies to close my accounts! Thank you in advance for you help and hopefully the resolution to this matter!
According to the Credit Card Agreement governing our account, " An Annual Fee of {$59.00} [ is assessed ] in XXXX 2015. The Annual fee will be assessed each XXXX if your account is open or if you maintain an account balance, whether or not you have active charging privileges. '' ( Page XXXX of Credit Card Agreement for XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2015, the account was assessed a fee of {$59.00}, identified on the billing statement as " ANNUAL FEE. " I contacted the company and asked them to remove the fee. According to the terms of the Credit Card Agreement, the annual fee shall be assessed " each XXXX. '' There is no provision that authorizes an annual fee charged in XXXX. There is no provision that allows an annual fee to be charged at a later date if it is not charged in XXXX. 

The company refused to remove the fee, arguing that since the fee was not charged in XXXX 2015, it was now due. I disagree because we received no notice of a change in the terms of our Credit Card Agreement authorizing an annual fee in any month other than XXXX.
I was affected by XXXX XXXX on XX/XX/XXXX. When I attempted to file a flood claim on XX/XX/XXXX I  was informed that loan depot mortgage company failed to make a premium payment so my flood insurance was canceled. Loan depot said they did n't make the payment because XXXX did n't submit the proper paperwork and XXXX had the wrong loan account number on their documents..they both say it 's not their fault and neither want to take responsibility for our lapse in coverage. We need help! XXXX is contracted through XXXX. Our premium is paid through escrow.