WillisBack/dataset-financial-user-claim huggingface dataset:
I have been the victim of identity fraud and have contacted the credit agencies about the numerous negative and collection accounts that are reporting to my credit that has been previously removed. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run and or having the proper information on the said account. further more they refer me back to the credit bureau. Im not getting anywhere and want these negative marks removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. the accounts in question are as follows : BANKRUPTCY TAX LIEN XXXX TAX LIEN XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts were previously removed under FCRA but have been re added.
Company increased my mortgage payment for escrow shortage. Claim they sent a notice although I did not receive it. My auto-bill payment account completed an on-time payment using the old amount ( {$55.00} short of new payment ), after which i received a letter stating no payment was received. I was charged a {$25.00} late fee that the company would not reverse. At present, the company is still holding my payment without applying to my account, stating they can not apply until full payment is received. This does not seem like proper accounting practice.
Specialized Loan Servicing bought my home loan on XXXX XXXX 2015 and I contacted them XXXX XXXX to make payment and additional principal payment. 

They applied my additional principal payment to a regular payment which left a balance they collected as a fee. I called about the payment but was assured the principal would be corrected and the balance would be reflected on XX/XX/2015. 

I checked today and my additional principal has been turned into fees and the additional payment is all but confusing on the statement online.
We bought single family house in 2006 than recession come. 
We have XXXX mortgage with XXXX and XXXX mortgage with CITI BANK. 
We had problems to pay our mortgages so after couple of years we refinanceour XXXX mortgage with no problem, but CITI refused to refinance from beginningand still refusing. Current mortgage rate is 4 %, but we still have to pay for thisvulture, greedy CITI BANK 9 %. We have still difficulties to pay mortgages and CITI BANK does not care about it.
I have tried to get old addresses removed and addresses that are complete errors on my report. The credit reporting agencies seem not to care in any way. I just want my credit report to be factual and correct. Two addresses I use are XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX, CA XXXX ... .. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX
Transworld Systems Inc., sent a collection notice of an overpayment from FL. XXXX, ( Unemployment ). # 1, they had wrong address, ( no Apt . # ) so I received this I do n't no how late. # 2, my main complaint, I called the number on the envelope ( XXXX ). I was finally told they did n't have my account number, which was on the letter in their system and call ( XXXX ) after 10 minutes, I was told to call ( XXXX ), after a couple of sales pitches, I was again told it was n't in the system, ( mind you, I am only trying to pay a debt! ), I finally got in touch with an associate, that found it, but ... ...., was told I had to call, you got it, ( XXXX! ). I tried this circle again, and after over an hour got nowhere.
On XXXX/XXXX/2015 am authorized transaction of {$10.00} was deducted from my payroll account to XXXX bill pay. I can not know the possible reason why unless the financial institution, or someone who works there is to blame for this because I have no XXXX bill pay accounts. Also, when I called customer service to dispute the master, the first representative tried to tell me that it could n't be disputed because the charge was already settled. Then he told me that he would cancel my card and issue a new XXXX at no charge to me. However my account now reflects a SECOND unauthorized charge of {$6.00} for the reissuing fee.
I was 1 month behind on my mortgage due to death in family, Wells Fargo asked if we would be interested in a loan modification, this would lower our monthly payment. They made us pay XXXX for the modification. which has no fee. While in the modification they then came to our home with foreclosure papers, we spent over XXXX to keep our house. I had to drain my XXXX and was hit with major penalties. They refuse to help me put me on hold and never return, it is a nightmare. 


XXXX XXXX XXXX XXXX XXXX XXXX
Fifth Third XXXX is reporting a duplicate account. This is forcing my credit score to be lowered for as they are illegal reporting the same account twice. I have disputed from credit report. I have contacted reporting agencies. This continues to report illegally.
Bank XXXX XXXX is incorrectly reporting the last activity on the account. The last payment on the account was in XXXX XXXX. There has been no payment, reinstatement, or any other agreement to reinstate loan after the last payment. The credit reports are showing payment activity through XXXX which is incorrect. This credit line should be corrected to reflect the last activity/payment XXXX XXXX. This loan was accelerated on XXXX/XXXX/XXXX and there has been no payments, agreements or reinstatement of the contractual loan since the acceleration.
I received a Barclays Bank VISA card, which I DID NOT apply for. I called the Barclay bank and talk to the " Relation Manager '' and she stated the applications was generated at an XXXX in XXXX CA.on XX/XX/2016. She forwarded this fraud to their fraud division for further investigation. The application had the correct social security and my home address, but INCORRECT mother 's maiden name and cell number. I immediately contacted and filed a report to " www.identitytheft.gov '' and also contacted and place a fraud alert to all my banking institution. Also contacted Social Security Administration and they lead me to the Office of the Inspector General, and I also filed a report with them. I filed a fraud alert to the XXXX major credit report organization ( XXXX, XXXX, and XXXX ). At this point I wanted to file a fraud alert to all governing parties that deal with Identity Theft. Is there anymore I can do? According to SSA, changing my social security number is close to impossible. 
Please advise.
The debt collector sent a collection letter for a debt that was satisfied 9 months ago with written proof submitted in writing to me by the agency i paid.
I got a voice mail from a XXXX XXXX at " XXXX ( sp? ) XXXX XXXX in XXXX threatening me with legal action and that they were sending someone to my house to serve me with legal documents and I need to call the " Litigation Office '' at : XXXX with reference number : XXXX. 

I called this number and they said they had a Lawsuit filed for a XXXX ( XXXX XXXX ) and I have to pay them " X '' amount in order to stop this Lawsuit. I explained to them him I am permanently XXXX and am Social Security XXXX. 

He did NOT care and was EXTREMELY rude, intimidating and threatening, then he hung up on me! 

This XXXX, XXXX XXXX account is WAY past the Statue of Limitations. This account was opened on XX/XX/XXXX & was last paid on XX/XX/XXXX. 

The account was opened when I lived in Nevada where the Statue of Limitations is Four Years. It 's OVER Five Years ( close to Six ) past the Statue of Limitations. 

They also called ALL of my Relatives before they called me! 

I sent XXXX ( now XXXX ) & the collection company ( CACH , LLC ) a Cease & Desist letter several years ago and have not heard from them since. 

I am currently looking into my legal recourse against them.
I attempted 5 times in one day to purchase flooring online at XXXX XXXX. I had over {$10000.00} in available credit. The flooring cost about {$7600.00}. Each time, Capital One denied the purchase, due to a " Fraud Alert '', despite the fact that I confirmed the purchase 4 times by text and 3 times by phone. I provided my SS number, birthdate, confirmed a code they sent me, etc. Each time they said it was cleared and then denied it again. I wasted an entire day trying to make this purchase. Each time I was denied, I had to contact XXXX XXXX also, to clear the purchase so that I could try again. I need this flooring and they do not carry it in the store. I also work and now I guess I have to get to the bank, take out cash, and go to the store to place an order. What is the point of a credit card if you can't use it. The last Capital one rep I spoke to could not provide me with any reason why I was being denied and basically didn't do anything to help.
Capital One continues to send me e-mail related to an account I did not open. I can not log in to stop these e-mails because I did not open an account with them. I contacted them via e-mail at the suspicious activity link twice on their site but got no response.
Did not mark my account as disputed within 30 days. 
Also, has NOT validated this account with a signature. This is the letter I sent them on XXXX/XXXX/XXXX : This letter is in response to your recent claim that XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX ), you XXXX be liable for your willful non-compliance.
I opened an account with M & T Bank last month, seeing the promotion for a {$150.00} cash bonus which attracted me to the bank. Late last month, I made a direct deposit, qualifying me for the {$150.00} bonus, which was revoked on XX/XX/XXXX ( yesterday ). After numerous messages to the bank on their website, I have yet to receive a response. Now, later today they completely closed my account with no warning. I called them and was on the phone for an hour speaking to a supervisor whom was advised not to tell me information about MY account. An identity verification was done via fax as requested a couple days earlier. I 'm forced to step into a branch that is n't local to me, which is a huge inconvenience. For an institution that 's supposed to be trusted with holding my money then closing it with FUNDS LEFT IN THE ACCOUNT, I 'm baffled. I demand a reasonable explanation.
Around XX/XX/2018, I ordered two items from XXXX 's using my XXXX 's credit card. I rarely use that card and had forgotten I had ordered anything from them. I had received the items, but since it was nearing the beginning of the school year, and I XXXX, I often buy clothes for school in XX/XX/XXXX, and I lose track of where they come from. I never received any kind of billing notice - either through my email or the postal service. Today ( XX/XX/2018 ), I saw a notice online of a change in my credit rating due to the non-payment of the XXXX 's card. When I called XXXX 's ( I had originally thought this was a fraud incident ), they informed me that the original {$110.00} bill was now {$180.00} due to late fees. This had happened to me several years ago, but for some XXXX reason, I opened another line of credit with them a couple years later. XXXX 's insisted I had been sent notice of the bills, but I never have. When I was talking to one of the associates early in the process of trying to resolve the issue, I was asked if I wanted to establish a verbal password in case someone ever tried to call and pass him/herself off as me. I agreed. the associate said I would get a notice on that in my email. She made sure she had my email address correct. That email never came. That was 6 1/2 hours ago.
We were offered a home loan modification  by Ditech. W e 've been waiting for the paperwork from them for 4 months. Every time we call to ask when we are going to get the paperwork they make up some excuse saying there is a glitch in the system that needs to be fixed. We have been making our payments and yet they reported that we have n't been and ou r credit score i s down to  XXXX . Now no other mortgage company will refinance us because of our  credit score and Ditech  wo n't update our records so we are stuck and do n't know what to do. They wo n't send us the paperwork to finish our modification and wo n't fix our  credit score  and update our records that we have been making our payments. We are stuck.
this complaint is against Wells Fargo bank my account # XXXX i was and am going thru tough money times ) i got divorved at age XXXX __ -- this was m not planned i have acumilated {$180.00} in late payment charges and was never offered to have a payment defered.i was only informed of a payment deferal thru my current debt resolution company ) XXXX XXXX XXXX= i am NOW current on my truck payments after defering one payment.wells fargo let me accumilate {$180.00} in late chatges two years of late charges than offer me a soluction by defering a payment or lowering my intrest rate ) 10.9 % wells fargo is greedy and prefers getting two years of monthly late charges than to OFFER me a payment deferal .I want wells fargo to remove ALL my late charges for being deceptive by ommision thank you
They have tried to report to the credit bureau several times, damaging my credit when that account is not legitimate to collect. 

This is hurting my credit and score I am trying to raise my score for the purchase of a house.
Have you tried to resolve your complaint with anyone? : Yes Describe your complaint : I have XXXX XXXX XXXX I diagnosis in the month of XX/XX/2018 my XXXX XXXX   was started on XX/XX/2018, I am not working since that time I was behind on my MORTAGE payment XX/XX/XXXX XX/XX/XXXX and XX/XX/2018 on XX/XX/2018 I deposited two checks from different Account {$3300.00} in my checking account and on the same dayXX/XX/2018 I called my 5/3 MORTGAGE Department to let them know that funds will be available after 2 business days for my MORTGAGE payment which will be MONDAYXX/XX/2018, what the mortgage department did they CREDITED MORTGAGE payment on FRIDAY XX/XX/2018, these are professional bankers without checking my AC they charge me OVERDRAFT FEES {$37.00} three times, the specialist did not resolved my issue instead of that he blame on me that you means I am allowed them to charge mortgage payment there is recorded conversation, I humble request you to resolve my issue at your earliest for overdraft fees which is totally unacceptable 5/3 bank forcefully charged me.
I believe I was charged excessive overdraft fees by Key Bank. I had a death in the family later last year and was really struggling. I slipped up a few times and did n't complain. The way they are applying the charges to my account created overages when their did n't need to be any. I am not asking for a full on refund but I have asked them for help. They have charged me a total of over {$500.00} last year and over {$600.00} already on charges that were most often put into the negative by how they chose to apply them
A credit monitoring service reported to me accounts and inquiries that were n't mine in XXXX. I tried to access my free credit report from TransUnion on line but TransUnion did not accept the information I provided. I was able to order a report by phone using my social security number, but the report I received was in the name of a woman with the same first name as me and a social security number that matched 8 of the 9 social security digits. The address, phone numbers and birth date matched mine but the credit accounts included both hers and mine. I finally got the fraud department to check into separating the two files after my letter requesting it was ignored with the complaint they could n't read my driver 's license, which I believe is purposefully designed to not be copied and scanned. I requested a credit freeze but was told I could n't because of the commingled file. TransUnion put a security freeze on my file with my cell phone number for verification, but the freeze ended up on the other woman 's account with my phone number. I am still getting confirmations from XXXX in the other woman 's name at my address. I have received someone else 's credit report and social security number in the mail. Her credit report also listed her address and phone number in the file. This is third time this woman 's information has ended up in my file and it is worse this time because I am retired and cutting back on my debt while she is increasing hers. TransUnion uses social security numbers as identifiers but seems more interested in like numbers than exact numbers. TransUnion will not give me a free freeze and I do not know how to protect myself from losing my credit identity again.
I disputed charges on 6 cards around XX/XX/XXXX by phone and followed up in writing. See attached copy of letter for details. I have yet to receive credit for the fraudulent charges. Your records will show that these fraudulent charges were reported within 90 days of occurrence by phone and by mail. Please explain to me why I havent received credit for the other fraudulent charges. I can be reached at XXXX, XXXX or mail address above. Last contact was letter sent by regular mail on XX/XX/XXXX. As of XX/XX/XXXX no response received from company.
XXXX   XXXX   XXXX  has incorrect hard inquiries on both my transunion and   XXXX   credit reports. They are showing inquires from  XXXX / XXXX /  XXXX  . Inquiries that I did not authorize.   XXXX   XXXX   XXXX   has sent me a letter on  XXXX  stating that they do not see hard inquiries on those  XXXX  reports even though I sent them a copy of both reports. I do not know what   XXXX   XXXX   XXXX   is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my   XXXX   and Equifax report. The inquiry date is  XXXX / XXXX /  XXXX
I sent this company a cease and desist on  XXXX   XXXX ,  2015 .     On  XXXX   XXXX ,  2015 , my attorney received notification that the debt was removed from my  XXXX  credit report.     Now, under the name of a different collector, the debit has been added back to my credit report. This time it is showing on  XXXX , not  XXXX .
I have checking accounts with USBank and one account was flagged for a fraud charge. I was told to open another account since the fraud account was frozen. I opened a new account and the fraud department transferred all funds from fraud account to new account. I said that there are some outstanding checks that need to be paid when the are presented and they said they would pay out of the new account when presented. They did not pay when presented and I found out that the fraud account was not fraud and to clear my fraud acct and close out new account and transfer all funds back to original non fraud account. They did not close my account as requested and said I have a negative balance of {$11.00} and I said I have a returned check fee of {$39.00} that you should credit back since you returned the payment when they stated they would pay from new account. Now they charged me another {$30.00} for a force close since I didnt pay the {$11.00} which they said they would credit me {$39.00} and close out the {$11.00} which they did not credit as they stated they would. All docs were submitted to XXXX XXXX which is the Fraud department manager and he said he was crediting me and didnt. Now they reported me to credit and banking departments as a forced close on my account. Everyone is passing the buck off to another and can't get this corrected. Need help
Portfolio Recovery Associates is attempting to collect debt for which the XXXX of Limitations has expired. They call from multiple telephone numbers and leave no messages.
In  XXXX   XXXX , due to the advertising from  XXXX  's  XXXX   XXXX , we purchased a few items of new Furniture from   XXXX   XXXX   XXXX     XXXX , located in  XXXX , AZ. We were solicited by the store sales staff to sign-up for their " Interest-free Payment Plan ''. If it was not for this Interest-free Solicited Offer, we wold not have agreed to purchase this furniture from  XXXX  's  XXXX   XXXX   ( a nd would have purchased elsewhere  ).   It was only AFTER we purchased this furniture from the retail store that we were notified we had just signed-up for a Credit Account from  Wells Fargo  Banking. Over the course of the subsequent 8 months, we made our designated, required payments on this account, and in fact often paid double the minimum payment amount required on this Credit Card. In  XXXX  of  XXXX  we were outraged and shocked to discover that  Wells Fargo  Credit Card company - on behalf of  XXXX  's  XXXX   XXXX  - and on a remaining outstanding Credit Balance of only {$1200.00} dollars ( with a minimum payment due of only {$70.00} ) the Credit Card company had charged us {$380.00} as an INTEREST CHARGE!   See attached PDF copy of Statement from  Wells Fargo Ba nk Credit Card and   XXXX   XXXX   XXXX   XXXX  .   We contacted the  Wells Fargo  Credit Card company and complained about what we believed must have been some kind of calculation error in their billing, and were told an agent supervisor would get back to us ; but no one ever contacted us!   Subsequently, even though we continued to make regular monthly payments on this Credit Card balance, often with payments double the minimum amount required, the  Wells Fargo Credit  Card company and  XXXX   XXXX   XXXX   XXXX  has continued to charge us further, additional " Fees '' and " Interest '' charges every month, of at least {$63.00} dollars and as much as {$72.00} dollars each month over &amp; above the {$380.00} they 've already charged us in " Interest '' on what was only a {$1200.00} balance ( before their ludicrous, outrageous additional Interest Charges ).   They have unfairly charged us the following amounts : {$380.00} Interest Charge in  XXXX   XXXX  {$72.00} Interest and Other Fees in  XXXX   XXXX  {$31.00} Interest Charge in  XXXX   XXXX  {$63.00} Interest Charge and Other Fees  XXXX   XXXX  To date, Total of {$550.00} in Interest Fees and Other Fees ( on a {$1200.00} balance ) in just the past 4 months!!   The Fair Credit Act is supposed to protect Consumers like us from unethical, unscrupulous criminal " gouging '' conduct like this by greedy banks and shady lending companies such as   XXXX   XXXX   XXXX   XXXX  . These ridiculously-high Interest Charges and " fees '' should be immediately removed from our Billing, and, this  Wells Fargo National Financial  Bank Credit Card company should be heavily fined by the FTC for violating consumer trust, as they have done here. This unethical " gouging '' of faithful consumers by  Wells Fargo Cre dit Card companies and their  XXXX   XXXX  partner-in-crime should be stopped and prevented from ever being perpetrated on other good-faith consumers in the future!