WillisBack/dataset-financial-user-claim huggingface dataset:
I am disputing the item on my credit report XXXX XXXX   Account Number XXXX this account was never late, and also was paid by me, and XXXX XXXX XXXX Company my insurance company the account should be paid, and closed. The car was totaled XX/XX/XXXX it was a bad accident, I had full insurance coverage and, Gap.

My insurance company Paid XXXX on XX/XX/XXXX I paid XXXX  on XX/XX/XXXX I made payments since XX/XX/XXXX tellXX/XX/XXXX in the amount of XXXX  thats a total with all payments made by me and, my Insurance company XXXX  also I have gap through XXXX that included total loss plus GPS XXXX  WARRANTY which I only got to use the GPS for nine months, and never used any warranty 's, as the car was totaled XX/XX/XXXX, I paid XXXX  for XXXX plus XXXX for GPS. Which was told by XXXX XXXX that will be applied to my balance.

The reporting of this should be paid and, closed with a XXXX   balance, and never late. Please correct this issue, I am requesting an investigation into the late payment in XX/XX/XXXX as, my bank sent them a Teller Check for way more than my monthly payments.
On XX/XX/2014, the bailiff threw me out of XXXX XXXX XXXX XXXX XXXX, XXXX, OH. I lost everything. I WAS DISPLACED. THAT MEANS I WAS CONFUSED. I moved from motel to motel. I never could finish anything.

Finally i '' m working on my credit.

I want to pay half of account # XXXX.
I disputed two accounts that don't belong to me with Equifax, XXXX XXXX XXXX XXXX XXXX, I received the results and they never looked into the disputes.
Well Chase is at it again. 

This relaters to XXXX of my bank accounts. XXXX ending in XXXX, the other in XXXX. 

On Wed XXXX XXXX at approx XXXX in the XXXX I checked my bank account and noticed a pending overdraw in my XXXX account in the amount of {$27.00}. This is despite the fact that I have overdraft protection which should have covered the overdraft. Perhaps since it was a " pending '' overdraft it had n't kicked in. So TO BE SURE TO AVOID OVERDRAFT OR FEES I got out of bed, put my boots on and walked through the snow to the bank ( at XXXX ) and deposited XXXX dollar to cover the pending overdrawn account. When I got home I checked online and my account was covered, no pending overdraw, no negative. 

My XXXX account was also in the positive. 

So I went to bed sure that I had avoided overdrawing my account. 

When I woke up this morning XXXX XXXX and checked my account online my account XXXX was overdrawn by XXXX which included a late fee. The amounts shown were totally different than they had been the night previous ( ie. the debits were in amounts exceeding what was shown only hours earlier so it was not an accurate reflection of anything in my account ) But even more disturbing, my account ending in XXXX, which only hours earlier was positive with nothing pending, was now overdrawn by {$130.00}. WITH XXXX LATE FEES and balances that bore no resemblance to what my account had shown only hours before. I know as a fact my account was positive only hours before. 



The check for XXXX that had supposedly overdrawn my account on XXXX XXXX had now mysteriously appeared, though I know as a fact that it had not appeared in my account on XXXX XXXX because I was at the atm and online at XXXX on XXXX XXXX checking my account. 

Chase has always had a " pending '' period during which I could cover a pending debit. Not only did this now happen, but transactions appeared a day later than they HAD SUPPOSEDLY POSTED. This is either a glitch or a purposeful way to cheat people. Either way, it 's wrong. 

My online and atm balances were not accurate and there was simply no way for me to responsibly keep my balance positive.. I WAS AT THE BANK AT XXXX to put money in and check my accounts!!! 

I now have XXXX dollars in unfair fees that clearly I ca n't afford. 

Of course Chase wo n't help. 'All my fault ' is all they say But this was not my fault or fair. Check the records and you will see that the information provided to me about my accounts was not accurate. 

1.My overdraft protection did not work right. 
2. Chase 's online and atm balances were not accurate and did not provide information to me to allowed me to monitor my accounts. In fact they were actually deceptive, hiding a transaction and then showing it a day after it had supposedly posted. 
3. But their fees work just fee ... as always.
They called and I called them back and have not heard from them since. They transferred my accounts to a company that has a worst standing then they do and I 'm not happy. When I called the new company XXXX they told me ASC transferred XXXX account which is my XXXX. My XXXX has been written off and I was paying my monthly mortgage and I 'm continuing to pay it monthly. I ca n't refinance my mortgage because they wrote off my XXXX and I was paying, they were holding my payments for two months and when I called them to say why are not posting my payments, they kept giving me the runaround, like they are doing with you by not giving you an answer why they wrote off my account. 
Wellsfargo/ASC are crooks and I want my XXXX in good standing so I can refinance. 

In progress Response We 've been unable to establish contact with our customer, XXXX XXXX. We 'll need additional time to ensure we fully address all of the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research.
Last XX/XX/2018, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report. 

On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''. 

First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account. 

For yet another time, my FTC report attached clearly shows this fraudulent accounts which I need to be deleted asap : CAVALRY PORTFOLIO SERV ACC # XXXX CAVALRY PORTFOLIO SERV ACC # XXXX Am looking at legal proceedings if this company does not delete this fraudulent accounts from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.
I manage the admin for our small consulting firm and we recently received a piece of mail from a company called " XXXX '' addressed to a former employee of ours underneath our firm name and address. I opened it, and it contains what looks to be a genuine credit card with the former employee 's name and a card number, it does n't look like one of those fake mocked up cards you get in solicitations. There is a sticker on the card that gives a phone number to call to activate the card, which offers ( it says ) a {$150000.00} line of credit. This was not a solicited offer, but it looks real and is so disingenuous, I wanted to bring it to your attention. On the piece of printed paper the card is attached to, it states the following sort of statements : " You have been selected for a business line of credit of {$150000.00}. Activate Your Card Now. '' " Here is your new XXXX XXXX Premium Platinum card '' - and then goes into steps you can take to activate the card. 
On the rear of the sheet of paper, in small print it states, " This is not an offer of credit. XXXX reserves the right to verify your financial information and confirm your credit worthiness in its sole discretion. This will include, but is not limited, verifying banking and trade relationships and obtaining credit reports. XXXX Fraud Program protects the owner of this business. '' I worry that there are vulnerable, susceptible people who may get solicitation like this and act on them, so wanted to bring it to your attention. The phone number to activate the card is listed as XXXX.
My SSN was used without my knowledge and/or consent to illegally purchase a car. I notified the sales manager of the car lot, along with the bank. 
Let them know my identity was compromised. Was advised someone would contact me, which did not happen. Now the bank is negatively impacting my credit score.
I had auto-pay set up through my mortgage servicer - Loancare. Suddenly, in XXXX the payments were interrupted. Despite the fact that I had received my monthly " Thank you, your mortgage payment has been received! '' email from Loancare my payment had not, in fact been deducted from my checking account. I contacted them several times and each time they swore everything was fine. Finally I made a manual payment from my checking account and held my breath, hoping that Loancare would n't suddenly ding my account and pay double that month XXXX they did n't, my manual payment was the only payment made. XXXX Despite my phone calls and attempt to ensure this payment was made on time, Loancare levied a late fee for XXXX. I have been unsuccessful in having them waive this, as the late payment was because of a problem on their end XXXX their auto-draft not functioning ) and nothing I did. 

Care to guess what happened in XXXX? Again an email thanking me for my mortgage payment. Again no money deducted from my checking account. Again a flurry of phone calls and emails that ( mostly XXXX went un-answered trying to find out if Loancare 's auto-pay was going to deduct my payment or if I should make a manual payment again. Again I was assessed a late fee, and was told that my mortgage payment was not received due to insufficient funds ( not true and my bank is prepared to provide written evidence as to such ) and then when I called I was told my payment was n't made because of changes I had made on the Loancare website ( again, not true I had not made a change since originally setting up the original auto-draft and had been successfully making payments for MONTHS before this happened. ) I ca n't get anywhere with Loancare, their staff are rude, unprofessional and unhelpful. When my husband and I attempted to re-finance the loan with them in order to remove PMI they declined, stating that my bankruptcy inhibited their ability to improve the terms of my loan ( I have never declared bankruptcy and they refused to disclose where they had obtained that information. ) I really do n't understand how these folks get away with this stuff. I 'd rather have my loan serviced by XXXX.
XXXX XXXX XXXX collecting for XXXX XXXX XXXX XXXX. They are collecting for equipment I returned to them a long time ago. This is a mistake from their part
After looking over my credit report sometime last year in the past Ive realized that I have more than several erros that is listed under credit profile. I have no clue as to how they ended up on my credit file and I take it that your company has ignored me for more than a year about this error and I havent received any results from my internal dispute since last year XX/XX/2017. I am fed up at this point and feel as if no one is looking into this situation. By law THE FCRA section 609 states that if an account or inquiry isnt verified correctly it must be removed permanently without the original contract and the consumers signature. The following items are to be disputed internally within 3 days max. XXXX 1. XXXX XXXX XXXX = ACCOUNT 2. XXXX XXXX = inquiry 3.  XXXX XXXX 2x = inquiry 4. XXXX XXXX 4x EQUIFAX : 1.XXXX XXXX XXXX 2 . XXXX XXXX XXXX  : XXXX XXXX
A company notified my employer in attempt to collect a debt. I was never contacted or given an opportunity to dispute the claim or ever served with the with the summons. They presented it to my employer 7 years later. The debt is also in someone else 's name.
I believe I am a victim of predatory lending because of my race ( XXXX ) and my geographical location. I was given a high interest and excessive points when I was approved for my home loan. American Servicing Company is my service provider for wells fargo.
Experian has wrong job information. Correct information for my job is XXXX XXXX. This is where I been since XX/XX/2008.
I purchased my home in XXXX, 2008 based on a monthly income of $ 5,000+ per month, with the express prayer to JEHOVAH GOD AMIGHTY that my children would not end up homeless, always having a place to call home. After forced early retirement in order to maintain my health and sanity, I attempted to get my FHA home loan modified with Bank of America to whom Countrywide had sold my loan. Bank of America promised a modification only to give me payments of {$1700.00} per month at 5 % ( taxes and insurance included ) which was more than my monthly payment before the " modification '' which went from approximately {$1700.00} ( taxes and insurance included ). Surely someone must have gotten a good laugh! ) .Bank of America then sold my home to XXXX. While in the midst of attempting to get a permanent home loan modification, I asked members of our regular Friday night Bible study to pray for me because if I did not get a permanent modification I could lose my home. A brother who attended the Bible study asked me to bring him all the paperwork concerning my home, and I did. The following week, brother XXXX said, " Sister XXXX, I promise you will not lose your home. '' He explained that he and his partners did what one calls " home flipping. '' He said his partners would buy my home and then sell it back to me at a price that I could afford. I did ALL that was asked of me and gave ALL papers concerning my home. They purchased my home then evicted my XXXX daughter and myself. Temporary mailing address I XXXX XXXX XXXX, XXXX, TX XXXX.
XXXX sent me in error to a debt collector XXXX XXXX XXXX for {$140.00} XXXX XXXX, 2015. On XXXX XXXX, 2015 I paid XXXX XXXX {$160.00} which included late charge. I spoke to XXXX on XXXX XXXX, 2015 at XXXX verifying that I paid this bill full. Then received another bill from for the same {$140.00} from another collector MRS Associates for the XXXX XXXX bill XXXX {$140.00} XXXX. I tried several times to call MRS Associates on XXXX XXXX,2015 and XXXX XXXX, 2015. The phone tree takes me to the point of waiting to speak with a representative then disconnects me every time. This very frustrating and seems like a scam. I need some help. thank you
Good evening For the last month or so, a company has been calling my phone at least 2 times a day. The name of the company is Portfilio Recovery Associates. They call from different numbers and then doesn't want to identiy themselves. I dont have time for the harassing calls. You block one number and they call from another.
I was approved for deferment. My deferment began on XX/XX/XXXX and ends on XX/XX/XXXX. During the deferment, no payments are due. On XX/XX/XXXX and XX/XX/XXXX payments of {$120.00} were deducted from my checking account. In addition, I canceled my auto pay, and payment was still withdrawn, in spite of.
I am disputing a credit charge from XXXX XXXX in the amount of {$890.00} .On XX/XX/XXXX, I entered in to an agreement with XXXX XXXX giving me a 24 month grace period ending in XXXX I have been trying to correct this error with XXXX Research Specialist TD Bank which provided the loan. I have emailed her left messages on her voice mail, with no response.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX They have illegally re-posted an account deleted for identity theft a long time ago. They have ruined my credit and caused damages to me as I recover from Identity Theft. They contacted me out of the blue about this account that has been removed and blocked from all three bureaus demanding money. I responded in writing to them within 30 days notifying them that this account was deleted for identity theft previously and can not be re-posted, bought or sold. 

They don't care about the law at all and attacked me anyway believing that I will just take this lying down and give up. 

They opened the account in XX/XX/XXXX for {$5600.00} and updated it to post on XX/XX/XXXX.
Based off the fact that Experian has yet to forward any documents to me, show me any proof the fact that I have reached out to them on several occasions with proof from the creditor they are clearly in violation of Section 611 ( 5 ) ( A ). 
I have contacted Experian and spoke with XXXX and she stated that they are unable to use the information that clearly show XXXX investigated my dispute and is unable to substantiate - show to be true, give substance to, support, uphold, bear out, justify the debt. She also, stated that they reached out to XXXX and they just stated that it should remain. This is not an investigation on Experian part. 
The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That 's all Experian has been doing the past couple of months and it is against the law and clearly in violation of XXXX 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Ocwen Loan Servicing offered me a Loan Modification in return for Dismissing my Appeal in the XXXX XXXX after Foreclosure Fraud. I accepted the Deal, Signed and Notorized the Loan Modification Paperwork and started sending Payments. I also signed Thier Attorney 's Release form from the Pending Appeal against them, Which they continually harassed me about. After making a Few Payments on the Loan Modification and Moving Back into the Property, Ocwen decided to send me an eviction Notice! I immediately Called the Attorney that designed the Loan Modification and was " Acting on behalf of Ocwen '' The Attorney " No Longer Represented Ocwen and or XXXX XXXX ''. It appears that Ocwnes Attorney never Completed the Paperwork on the Loan Modification. 

I have attempted to request an evidentuarty Hearing in my Local County Court and was Denied due to " No Legal Basis ''. I want to save my Home and find out what Ocwen has done with my Loan Modification Payments and why they are not honoring the Loan Modification? Also, The City has shut of the Water now and will not restore until my name is back on the Certificate of Title which has caused myself and my Children XXXX.
I submitted an IDR renewal application to Navient on XX/XX/XXXX. I received an email from Navient on XX/XX/XXXX confirming that my renewal application had been approved. I believed that the issue was resolved at that point, but I received an email from Navient on XX/XX/XXXX stating that I had not submitted an IDR renewal application, and that my payment would be raised. I called Navient on XX/XX/XXXX, and spoke with " XXXX, '' who gave his employee identification number as XXXX. He told me that it appeared that the application had only been processed for part of my loan. He told me that he put in a request to the department responsible for processing the IDR requests, and that it would respond by XX/XX/XXXX. I'm going to either have to request a forbearance, or pay the higher amount. Either way, it costs me more money. This exact situation already occurred last year, and I ended up having to call three times after reaching this point in the process, before the third customer service representative finally took some sort of action that got results. They offer no sort of ticket number to follow up on their customer service problems, so each time I call, I have to start from the beginning with a new person. I have lost patience with Navient 's sloppy work, and I'm tired of having to jump through hoops to get them to fix their own mistakes.
An account was placed under my name erroneously. Since then, BARCLAYS BANK DELAWARE has damaged my name, and my credit BARCLAYS BANK DELAWARE has entered derogatory information into my credit file. Multiple dispute letter has been sent and company failed to response and failed remove item from my credit file All document has submitted to the company.
FTC Report Number :  XXXX
I check my XXXX score on a monthly basis to make sure that my credit score remain very high. I was never late with payments and all my accounts were in good standing. XXXX 2016 I noticed that my XXXX score dropped significantly. When I inquired, it was due to late payment from Macys. I was surprised so I called them, and they said you bought shoes for XXXX dollars ( which I returned and got credited for ) and a XXXX dollar candy bar ( which I did not return ). I told them I never received an email nor a statement or even a phone call. Now the charge is XXXX dollars which I gladly offered to pay if they remove the negative reporting. However, they said I need to pay it then I can talk to the collections department. How absurd is that? They have a right to report negative information but I have no right to defend myself? Now my credit score is down XXXX points because of a XXXX dollar candy bar? I had this account 7 years ago and not once was late. I hope to see more of your stores closed and see you in bankruptcy proceedings very soon.
MY personnel information was used to secure a student loan from XXXX XXXX by my son without my knowledge or permission, he is now in default and Naviant, who took over for XXXX XXXX, wants me to pay. I filed charges against my son for fraud sent all of the information to prove that the loan was fraud. They refuse to accept that this was fraud. I have sent them a cease and desist letter and told them if they think that I owe them anything to take me to court, they refuse to take this matter to court. They or other collection companies that work for them are harrassing me with calls and reporting to the credit reporting agencies that I am in default when I owe them nothing. If I could find a lawyer that would repersent me I would file a law suit. But lawyers only work for the wealth poor folk like me have no one to help us.
This is a fraudulent account that is being reported and in collections with XXXX XXXX XXXX. This account has been in collection since XX/XX/2017 and I have never received the proper information to report this as fraud and identity theft. I have tried to take care of this matter directly with XXXX, in addition to disputing it with XXXX, Experian and XXXX.