WillisBack/dataset-financial-user-claim huggingface dataset:
I called Equifax on XX/XX/XXXX, to discuss removal of unauthorized inquiries on my Equifax credit report. The representative was rude and unable to correct the problem. The following inquiries need immediate removal from my Equifax credit report : XXXX XXXX XXXX DATE FILED XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX FL MAIL CODE : XXXX XXXX XXXX XXXX DATE FILED XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CRED DATE FILED XX/XX/XXXX XXXX XXXX DATE FILED XX/XX/XXXX XXXX   XXXX DATE FILED XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX DATE FILED XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX DATE FILED XX/XX/XXXXPhone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX
Some one retrieved my information and opened a Zales credit card in my name before I turned XXXX I reached out to Zales and was told I'm responsible for this debt I'm a senior in high school with no job. I don't know how this was possible being that I'm a minor. I'll be starting my life once I graduate high school with credit impact due to identity theft Zales account is over 3000.00 opened in XX/XX/XXXX/XX/XX/XXXX
The prior mortgage servicer canceled an existing home owners insurance policy and force placed insurance. this increased the escrow portion of my mortgage payment and has since resulted in a large escrow shortage. Also the current servicer has approved a modification that is unaffordable. The offer is   XXXX   months at 4.625 % deferred  XXXX ,  UPB  of  XXXX  p & i of  XXXX  escorw of   XXXX with   XXXX  down
XXXX XXXX added fees to my account that were erroneous before they sold the account to Bank of America. I contacted BofA to have them removed and they advised me it could not be done unless I got a letter from XXXX. I have completed this and send them a letter. BofA still has not removed the fees and I have sent the letter. This is to let you know if you do not remove the fees on or before XXXX XXXX, 2016. I will take legal action. Your failure to comply with banking laws is unacceptable and should result in fines. I find your failure to handle this in a timely manner harassment and I get no help when I call in for the status. The letter from XXXX is self explanatory and your refusal to remove violates my rights as a consumer. I did n't approve you to add the fees on and you sure are taking more than ample time to remove them. There should be no research done on your part. The letter from XXXX is self explanatory and should be completed asap. I stress to you that I will be filing legal action if this is not resolved by XXXX XXXX. 2016.
XX/XX/2019 Wells Fargo Mortgage reporting delinquent 43 days late.

I am a victim of Data Breach as result of Wells Fargo disclosing my information.

I have on going Identity Theft as a result of Wells Fargo leaking my personal confidential information as well as my Banking account and caused Bank Account difiulites.

Wells Fargo has reported 43 days late on payment when it is on time and has never been late to all 3 Credit Bureaus, XXXX XXXX, XXXX, and XXXX.
I was informed my Amazon that I would have 1 year from the purchases to not accrue interest on my account with the purchases that bought. When I came home today I found out that Synchrony does not agree with this. Amazon is informing customers of this and it is against the SEC and FCC as well. I have tried to talk with MGR  XXXX  in Kanasas operator  XXXX  and is quite condescending and rude. I asked him if he was a robot then tried to belittle me or berate me. I have been with Amazon for a very long time and I am saddened to say that they are misleading and liars. I would like them reviewed as well as Synchrony Bank on this issue. It seems that they are more than happy to get you in the door but when it comes to actually servicing you, you are kicked to the way side. I tried to get it resolved and informed them I would be filing a CFPB complaint and going forward from there.
I sent several dispute letters regarding several accounts that are being reported inaccurately with late payments even though I pay everything on time. I sent letters to the bureaus XXXX, Equifax , and XXXX. They have written back to me several times promising that they have done research and have fixed the reporting. However, there are no actual changes in the report. This has been going on for several months and they seem to be ignoring the mistakes. They have not provided me with any documents proving these late payments are accurate. Please make sure they delete the status immediately on the following accounts : XXXX XXXX XXXX account- # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and account # XXXX, XXXX XXXX account XXXX XXXX and account # XXXXThere is also XXXX account which all three bureaus must have realized the late payments were incorrect and deleted it. However, XXXX suddenly started reporting the late payments again. This account is : XXXX- account # XXXX
My wife and I mortgaged a home in XXXX or XXXX 2015 with PrimeLending A PlainsCapital Company. When we signed the mortgage we understood that " ALL '' escrowitems would be paid for in our house payments. On XXXX/XXXX/15 I received a letter from Prime stating that I owed an additional {$2000.00}!!!! I called Prime ( XXXX ) and spoke with XXXX XXXX. XXXX told me that Plains did not make the payment high enough to cover all escrow items. 
This is preposterous, Prime was negligent in not reviewing my account in a timely manner! 
XXXX told me that at least XXXX item in escrow account was unknown to Prime until review. 
I believe that Prime needs to be punished for what they did and prevented from doing so again in the future. 

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XXXX US BankXXXX is excessively holding funds that were on pre-authorization from a hotel stay I had at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. The property has been willing to work with the card company but the card company 's representatives consistently give erroneous information. I was first told that upon submission for card XXXX XXXX XXXX XXXX that as long as there was a CARD ID provided that the amount given on the merchant release letter did not have to match what the card company has. This is significant because the card company charges an additional 20 % of incidental charges for any service industry charge yet the property can not see that. Each time the merchant sent a release form it takes four hours to process for each mistake is costing me four hours of waiting time. The property doesn't normally submit a form on a charge that they can't see buy again, to assist they did so. I conferenced in the property with the bank and agent XXXX XXXX is on recorded line stating with confidence that it the hotel would re-submit the form with the amount " {$80.00} '' that, that amount would be released as of yesterday XX/XX/18 that she would be able to release once the fax was processed. So Again I waited another four hours, a total of eight. I had no where to stay and that amount was to be released so I could get room and board. Approximately XXXX XX/XX/18. I called for the release and was now told that information given be XXXX XXXX was erroneous this makes two conservative call like this. To compound the issues subsequent agents were rude and unwilling to assist and they were address with an appropriate response. I then got Ms XXXX XXXX back on the line in which she completely contradicted herself bringing her integrity into question. I then spoke to someone claiming to be her supervisor who continued to reiterate lies. All the while I, the customer have no place to go until my money is released days from now. This is also hours after the property who originally submitted the charge had placed in writing that they were releasing that amount and would not purchase any additional amount for payment. My bank, the institution that's supposed to protect now punishes me with bad information and lies and in effort to cover it up they continue and instead of helping their own customers and this pattern has caused me to seek damages. Please assist
I have been instructed by SunTrust Mortage rep over the phone that I need to come up with {$11000.00} cash to be able to cancel MIP or Mortgage Insurance from my FHA loan. I have secured the fund with difficulty and mailed them the check ; however, the institution declines to cancel MIP. The office of president is simply telling me it was a mistake! I want Suntrust either remove monthly MIP or refund my fund with damages that caused me such as processing fee, application fee and the interests on the fund.
1. In a letter dated XX/XX/2018, I requested Selene Finance , Inc. ( " Selene '' ),  my mortgage servicer, to remove unfair reportings to my credit reports of : 180 days late to XXXX and XXXX ; and 120 days late to XXXX. I have a certified mail proof of delivery receipt dated XX/XX/2018. Thus, Selene 's 30 day deadline was XX/XX/2018. 

2. I obtained a copy of my XXXX, XXXX, and XXXX credit reports on XX/XX/2018, well after Selene 's deadline of XX/XX/2018. Again, Selene was required by federal law to place a " notice of dispute '' on my accounts no later than XX/XX/2018. 

3. In a letter dated XX/XX/2018, I notified Selene that it had not placed a notice of dispute on my XXXX, XXXX, and XXXX credit reports within 30 days. Thus, federal laws requires Selene to completely remove the items reported late from each of my credit reports. 

4. Selene still has not complied with federal law. The late reportings are still on each one of my credit reports and I want them removed.
On XX/XX/2018 I reported to Experian, XXXX  and XXXX that an account appearing on my reports was fraud. I notified idenitytheft.gov and followed there reporting procedures for identity theft. I sent a certified letter to XXXX and all 3 credit reporting agencies. XXXX  immediately removed the account, but Experain and XXXX have not. 

Know Experian is reporting this account as 90 days past due and charged off. This has resulted in my credit being damaged and has effected my credit.
XX/XX/2014 my XXXX was stolen at totaled. I have the police and incident report confirming. I had the car for 6 months, never late on a payment, but i knew nothing about gap insurance so i was stuck with the balance. I made arrangements and paid as agreed. I was promised and asked repeatidly about the collection being completely deleted from my report and was promised it would. I asked EVERY month i called in to make the payment so it would be recorded and on record. I stuck to my agreeement and paid a XXXX  balance only for them to not delete. still showing as negative with a XXXX balance. our convos are recorded and ive tried to reach out to fix. i want the records pulled and XXXX XXXX  deleted as agreed or atleast shown as positive. it is killing my credit. THE LETTER THEY EMAILED DOES NOT MATCH OUR VERBAL AGREEMENT. I WANT RECORDS PLAYED. I SPOKE WITH XXXX XXXX, HES RUDE, WONT RETURN CALLS. IVE SENT 10 EMAILS- NOTHING IN RETURN.
I have XXXX inquiries from Ford showing up on my XXXX credit report for the same lease and there should only be XXXX from XXXX ford In XXXX Pa.
the collection agency is called ADMIN RECOVERY LLC, in New York. The man that works that doesnt give you his name, has called me several time and even family members of mine. Claiming I owe a debt of XXXX. After itold him he had the wrong person, the wrong number, i told the man i never had an account with that amount of money and much less an account with XXXX XXXX But he insisted in harassing my family and I, and now he sent me a letter to collect the debt, after i specifically told him he has the wrong person, so I sent his office a letter requesting for validation of this debt and requesting proof of documentation that proves that links me to this debt ( sent on XX/XX/2018 certified ) and the company has not responded as of yet. They have the wrong person and Im tired of the harassment.
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by Credit Management Control. Credit Management Control does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they should remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made them aware of this by sending the a Creditors Validation Letter to respond back to me and show proof they are in perfect standing with the State of Texas Debt Collection Law. So, I checked the Secretary of State Texas Debt Collections Division website and found out that Credit Management Control is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another XXXX to remove them from my credit report please. Also, they are reporting that this debt was open in XX/XX/XXXX in which the account was open XX/XX/XXXX they are re-aging this debt which is against the FDCPA XXXX.
After a recent pull of my credit report I noticed a collection placed by this company which I do not know of or owe..I have no business with this company, no contract written or verbal, I have never heard of this company and I am not in debt with this company.. I sent a letter certificated mail requesting verification of this debt on XX/XX/2018 ... I have not yet heard anything from this company..they are intentionally reporting false and invalid debts on my credit report in an attempt to defame my character.
Wells Fargo apparently has weak internal controls and accounting systems. Their mobile app indicated a transaction of {$7000.00} from XX/XX/1999 is pending which prevented access to my home equity line of credit. As a result of their poor systems and lack of controls, my {$15000.00} check did not clear with a vendor causing me much embarrassment and hardship during my construction project. This is a bank that has repeatedly hurt their customers over and over again and I wish you guys would make them get their act together.
XXXX XXXX XXXX ran my credit 7 times on XX/XX/2017. I tried disputing this through the credit bureaus. They each told me that I need to speak with the creditor. I contacted each individual company that ran my credit on XXXX, they all stated that XXXX XXXX XXXX ran the report in order to apply for the best rate for a car. I emailed the general manager of XXXX XXXX  XXXX. He stated the application was submitted online. He could not provide me with an electronic signature. I demand these inquiries be removed from my reports.
This investigation is still open under case file number XXXX. I have been patiently waiting for both XXXX and XXXX to delete the fraudulent hard inquiries that appear on their profile. I am attaching letters received from the businesses involved that absolve me from these fraudulent applications for credit or services. I did not apply or solicited these credit and they should be removed as soon as possible. have made numerous dispute initiative to both XXXX and XXXX to remove these inquiries.
Files several complaints with this company Fidelity National Title sad they dont wan na admit there own error that I had to fix out of my own pocket as of today XXXX XXXX XXXX I have not received any payment form the company for reembusrment and athey will not work with me. I will be working with you the CFPB and going through Court and Corporate to get the rest of my money. The bill will just keep getting higher becasue they will be paying my leagal fees and I will have to supena the supervisors at XXXX XXXX and other companys to fly in and testify that they all agree that Fidelitey Title dropped the ball. I already subbmitted the emails from them stateing it was there error. They are surely not makeing a good representation for themselve very p [ oor work ethic and basically stealing money and lying to the costomers.
i was asked to sign up for a credit card in Macy 's in XXXX. i gave the cashier my info she gave me a slip and the merchandise charge was on the card {$26.00}. i did not recieve a bill nor the card so 3 weeks later i called Macy 's to pay my bill and let them know that i did not get the card. i gave my account info got a confirmation number and paid it by phone. today i called to cancel the card because i did not receive it. The rep told me that i have a balance she said that the payment did not go through. I gave them correct information. She wants me to pay about {$95.00} due to late fees. This is bizzarre, it makes no sense. is this really a credit card or is it a hoax. this is the number i called Macy 's Credit Customer Service XXXX the cashier gave slip which i still. my confirmation number for my payment which was on time XXXX
I have XXXX inquiries on my credit reports dates XXXX-XXXX-17, and XXXX-XXXX-17 which I do n't recall authorizing.
This company sends a statement with billing info included once a month on the XXXX via email. That is their only correspondence with the consumer. My bill is due the XXXX of every month, and I did not pay until the XXXX because I was not notified of my payment being late. When I spoke to a customer representative she told me that they only communicate via the statement sent every month, but they do not communicate via phone or email after the due date has passed. The only time they communicate in those methods is when you are approaching the 30 days past due time frame to be reported to a credit bureau. This lapse in communication does not keep consumers reminded of their payments. Not to mention the statement she is referring to that is sent monthly on the XXXX is sent after the bill is paid the XXXX. So how can someone be notified if a payment is late by statement via email if the statement is sent out after the due date of the bill?
we lived in XXXX my wife and the kids went back for family visit for only couple of days son fell down needed medical assistance we assumed he would be covered by either the old XXXX medical cover or the newer XXXX one and now we been getting this charges for that visit
PNC Bank is fraudulently claiming a member of XXXX XXXX XXXX XXXX made an intentional unlawful withdrawal on a checking account that never happened. When they were notified on multiple occasions of the erroneous application of the charge for withdrawal to the XXXX checking account. The transaction was in fact executed for the withdrawal of {$500.00} against XXXX XXXX XXXX XXXX 's open business line of credit approved the day of, in person, at the local branch office. PNC was informed the repayment for the withdrawal of {$500.00} would be made as per the terms of the business credit line agreement as historically exercised since its open in 2005 ( at the time the withdrawal was made no notice was given of any denial, changes, extraordinary conditions or requirements, nor subordinate rules or procedures initiating as a result, apart or in addition to the terms of the business line of credit in good standing ). 

We believe, in retaliation, and to harm XXXX XXXX XXXX XXXX financially by refusing to correctly account for the withdrawal being made to our open business line of credit, and to negatively harm our credit standing, PNC bank has elected to communicate a materially fraudulent claim to a third party credit collection service and has refused to correctly account for the true nature of the transaction in dispute. We have stated the amount outstanding will be diligently paid under the credit terms existing at the time of the withdrawal of funds. Furthermore, by deceptive accounting of the transaction, libelous claim and potential sale to the third party credit collection agency, along with the additional claim of fees and penalties accruing, PNC is seeking to fraudulently enrich itself at the expense of XXXX XXXX XXXX XXXX, as well as needlessly harm its reputation and credit worthiness.
Chase Credit Card resold by Southwest airlines provided me with a statement on a XXXX balance account where they are charging me a {$99.00} annual fee and {$1.00} in interest. On XX/XX/17 I called the company and asked them to waive the fee and to cancel my card. They refuse to waive their annual fee on a card I do n't use and they are charging me interest on their fee. This is a UDAP issue.
On XXXX XXXX, 2017, caller " XXXX '' from J & L Teamworks of XXXX California ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) called my father and informed them that I had a medical debt. I believe this violated section 808 ( b ). In addition, they did not notify me first of any debts associated with my account. They did not call me first. 

I believe the remlevent provision is : ( b ) Communication with third parties Except as provided in section 1692b of  this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
On XXXX XXXX, 2015 I contacted my local office of Springleaf Financial Services to inquire about making a loan. I allowed them to look at my credit report. They asked for a pay-stub and more information to submit a complete application. I did not provide it because I did not want to get a loan from them. On XXXX XXXX, 2015 I received a letter from Springleaf informing me that my request for a loan had been declined and this decline was reported to XXXX credit reporting services. I did not ask for the loan, nor was I provided details in writing, nor did I request approval for a loan. I believe this was done unfairly and was done as retribution because of my lack of interest in their services. I want this decline retracted and not reported.
On XXXX XXXX I paid in settlement to Chase credit cards and these XXXX credit cards were business cards and XXXX show them as in derogatory, but that is not true, because I do n't own any penny to Chase.
They call 4 and 5 times in a row back to back. It 's horrible. I 'm working and talking to customers and my phone rings 5 times back to back?!?
Disputed XXXX accounts with Experian in which XXXX different accounts do not belong to me that are reporting on my credit file. The XXXX accounts are XXXX XXXX in the amounts of {$420.00} and {$320.00} listed as being opened in XX/XX/XXXX-XX/XX/XXXX and are charged off. This is FRAUD on my credit file and was reported as such to Experian on XXXX/XXXX/XXXX. I spoke with their fraud department and the representative assured me they would take care of it immediately. I submitted my police report from XX/XX/XXXX and Experian responed by mail on XXXX/XXXX/XXXX telling me the accounts can not be removed because of insufficient data. I 've given them all the required information to prove the ID theft and additionally have been overwhelmed by this entire experience. I had to legally change my first name because of the ID theft. *please see attached documents and police report.