WillisBack/dataset-financial-user-claim huggingface dataset:
I made a purchase for {$25.00} in XX/XX/XXXX. Due to an oversight regarding the payment due date, I contacted the company in XX/XX/XXXX to make good on the payment. I paid the {$25.00} original purchase and by that time two late fees ( for a total of {$50.00} ) had been charged to the account, totaling more than the original purchase. I asked the company to please waive the fee 's given that it was an oversight, that it was only one {$25.00} purchase, which I would pay in full, that was causing the late fees. I made the {$25.00} payment and they waived one late fee, but refused to waive the 2nd one. Thus, at this point, they have been accumulating late fee 's for a late fee they refused to waive. According to a customer service representative, their policy allows them to waive 2 late fees within a 12-month period. I had not had any other late fees having not used that card in more than several months if not a year and having paid any prior purchases in full and in a timely manner. I am simply asking the company to, at this point, waive all outstanding amounts - which total {$140.00}, since they are all related to that initial {$25.00} late fee, which they have refused to waive. Therefore, the outstanding amount is as a result of the company 's fees and not any outstanding purchase amounts. The one purchase for {$25.00} was paid within 2 months in full.
The bank that I have my business account with always finds a way to tack on fees. The balance every two hours and they NEVER sleep so posting for withdraws is happening ALL night but deposits only post during normal business hours. The balance that shows up online does not match what they can see in the customer service department and there are as much as XXXX different balances that show up on the online website. I would like to see if this bank can be monitored for fraudulent practices.
experian, cra violation with other company not reporting 100 correct must remove items that are not 100 accurate actually all of them are inaccurate information
I had a neighbor named XXXX XXXX and she sued me in court so We countersued her and the courts paperwork showed it as a wash neither party won. But on the credit report it shows she has a judgment against me although the court record shows noone won any money I asked it to be updated or removed and they refused
well i was disputing a collection and the 30 days is up and they never have answer me Direct Dispute In partnership with Submission Pending Submitted to TransUnion Under Investigation CompletedXX/XX/XXXX Estimated Completion Date Status Details TransUnion received your request on XX/XX/ and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion XXXX. XXXX XXXX XXXX, CA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX XXXX Closed on major U.S. holidays
I received a call from " XXXX XXXX ''XX/XX/XXXX, The call entailed a man requesting a payment from me for a closed, pre-paid truck lease and in receipt of payment he would not damage my credit. 
This prepaid lease was a 24 month lease that ended XX/XX/XXXX and I do have a receipt from dealer and XXXX XXXX  of return of vehicle. 

He was willing to accept less if I paid 'NOW '' I then informed him that my contract was satisfied 6 months prior to his call and that no payment was due or owing. I just received informationXX/XX/XXXX, that my credit reports were updated to reflect missed payment? ( thats an impossibility ) This is my second compliant to the BBB about this company in less then a year now on two major issues. 

Desired Resolution : Correction to a credit report The Credit bureau reports that the last information added to XXXX XXXX was XX/XX/XXXX and sense that date someone added " missed payment 30-59 '' which just appeared on my report XX/XX/XXXX? How is that even possible?
ON XX/XX/XXXX my car was totaled in an accident. I have recently reached the conclusion with the insurance company and they have informed me that they have mailed a check to the loan service company XXXX XXXX XXXX. 

Well called this morning after attempting to access my account online to view the account for payments received ( I wanted to know if they have processed the payment sent by the insurance company, {$11000.00} ). The account this morning said I owed {$800.00} + dollars this would include the may payment and the XXXX I usually pay every two weeks. 

I then attempt to login again this evening I still am not allowed to log into the account online. I then try to make a onetime payment through XXXX XXXX of the remaining {$260.00} and was blocked. I then call the company select the choice to speak to a representative to determine what is going on with my account only to get a response that says, " It says that you all are unable to accept my call at this time? '' Their website clearly says that the call center is open until XXXX XXXX   EST, I called them at XXXX XXXX. 

I am just trying to make the next payment of {$260.00} that I pay every 2 weeks and to make sure they have received the check from the insurance company of {$11000.00}. The payment is not 30 days late until XX/XX/XXXX and I would like to pay what is remaining {$260.00}. 

PLEASE ASSIST ME IN CONTACTING XXXX XXXX XXXX, As I feel they will attempt to destroy my credit over some bogus charges that I can not even pay.
Company could NOT freeze credit. Wanted me to send them my Social Security Number, a copy of drivers license and a copy of current utility bill. I think that mailing them that information would give someone that " stole '' the mail, all the info necessary to really commit identity theft. Both XXXX and XXXX were able to put freeze on my account easily and rapidly.
On XX/XX/XXXX, I called XXXX XXXX XXXX to put my account on an autopay arrangement. This was never completed, I was never contacted by XXXX XXXX XXXX and my account went into default however a payment was withdrawn the following month in XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XXXX and in XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as XXXX with proof of my payment and my phone record showing my phone call to setup the autopay.
Hello, my name is XXXX XXXX.
I have a mortgage company by the name SLS. I bought my house for XXXX . My balance XXXX. It already reached 78 percentage and they 're not taking the PMI off. I talked continuously many times. Now they want to do a appraisal and the loan is already less than 80 % percent. Now they 're trying to charge me to do a appraisal. Please help me out.
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Sincerely, XXXX XXXX Account Number : XXXX ( Phone Number for SLS : XXXX ) If you have any question please call me or my husband XXXX XXXX at XXXX.
My e-mail address : XXXX
The charge commonwealth financial has been calling me incessantly everyday at all hours of the day and have sent a letter trying to collect a nonexistent debt. They have sent a report to the credit bureau. The charge first came into the credit bureau by them XX/XX/XXXX. No time before has this ever been on my credit record. They are claiming a hospital stay in XX/XX/XXXX was not paid and that the hospital has not been able to collect. The hospital has not ever sent me a bill in that quantity. I was insured at that time by united health care and they covered my bill at that time. This is the first time I see this charge. They claim to have bought this " debt '' from a company called XXXX ...
Im in need of dire help  with Ditech at this tim e. I got behind on my Mortgage back in  XXXX  of  XXXX  due to major medical diagnoses of my daughter. I started working with dictech in  XXXX   XXXX  to get modification or payment plan and catch back up. I was told for months that my modification was either being reviewed or missing documents I continued to resubmit these same documents over and over and each time I cal led ditech was told everything was fine and these things take time to keep resubmitting. I contacted Ditech i n  XXXX  to jsut ask if I could set up a payment plan since my amount past due was n't a high amount they told me no that i was being reviewed for am Modification. In  XXXX  of  XXXX  I once again spok e with Ditech and was told I was very close on my modification and to submit paystubs one more time a nd to not worry about any Foreclosure. On  XXXX / XXXX / XXXX  I spoke with a ditech Representative who allowed me to set up a tow payment arrangement of {$1200.00} and then {$1600.00} and it would bring the account current I agreed and was then served a Notice to foreclose on the following Monday  XXXX / XXXX / XXXX . How could I be in line for Modification and a Payment Plan and now being served Foreclosure papers. I have a  XXXX  Daughter and have the funds to pay my past due and keep my home at this time. I need help understanding the Dual Tracking Process that is happening to me at this time.
This company has called my job threating me and leaving very naughty messages on my voice mail. This has happen a number of time, not only are they calling my work number they are calling my cell phone. XXXX XXXX XXXX is the person that is calling. I am not sure who it is for or what company he is calling about. On XX/XX/XXXX he called mentioning that he has my home address and verified my employment that was completed by some one on my job. No one here has told me that they completed a Verification of employment for me. The phone number that he is calling from is a local number but tell me to call back at XXXX
Negative late reportings reported by Navient regarding my private student loan to the Credit Bureau. Navient was sending letters to wrong address for months regarding my loan information. Never reached me via phone regarding my loan status. Navient representatives have given me false and inaccurate information pertaining to my private loan for months. Received forbearance for private loan, yet still received negative markings on my credit report to the Credit Bureau.
I previously disputed and they removed, then listed again on Equifax and XXXX a tax lien that was paid in full and forward proof of supporting documentation from the state of Georgia, that indicates i letter any credit company that haves this debt, listed on credit report must remove it. They refuse and give you a hard time even with over XXXX reports filed in two years. Also i have filed Chapter XXXX bankruptcy, the continue to add the debts listed in bankruptcy for discharged that they are open and listed in collections, and no included in my chapter XXXX bankruptcy. The creditors are listed in my court documentation, and some where foward over to collections agency but that debt is still listed for amount, and creditor. They ask for proof of Chapter XXXX Bankruptcy, I filed, and I forward this my email, and certified letter, they said that even though my creditors are listed, as for disharged that is not proof and that they can keep listing incorrect debt as in collections even though they are listed in my Chapter XXXX bankruptcy is should state on my credit report as ( included in BK. ) I tired of trying to get my credit file disputed, call forward the forms they want and they still refuse to update credit report. They even refuse to update my job I have been on for over 8 yrs.They say I do n't work there and I forward a XXXX, and pay stub with address. By me working for XXXX I must keep abreast and make sure the credit report have the correct information. But XXXX and Equifax refuse to update their records
XXXX  's client  XXXX   XXXX  is an identity theft victim. Someone used his information to try and establish several credit accounts,  one  being with  Capital One.  A fraudulent application was submitted and  Capital One  generated an inquiry with each of the  XXXX  credit bureaus  XXXX / XXXX /  XXXX   from  Capital One .  XXXX   XXXX  notified  Capital One  of the fraudulent attempt and requested the application be stopped and the inquiries be removed. As of  XXXX / XXXX /  XXXX   the inquires remain with the bureaus ;  XXXX  has attempted to dispute the inquiries as fraudulent on behalf of our client as outline in the FCRA however  Capital One  is preventing third party assistance and is still reporting the inquiry data after being notified it is fraud related, which is a violation of the FCRA.
Sir, Currently, I 'm living in abroad ( XXXX ) for a short period and moving to US soon. I was given understand that there are few credit card accounts are charged off and there are fraudulent transactions are appearing on the account statements. In this context, I tried to extract credit reports/statements from credit card reporting and monitoring agencies like TransUnion, XXXX etc from XXXX. Unfortunately, I 'm not able to access reports and it is showing up as 'location issue '. I 'm trying to access these reports from XXXX ( Abroad ) and it could be the reason for not getting these reports. As I 'm moving to XXXX soon, kindly send those Credit reports to the following address in USA as I need to fix this issue before arriving in to USA or to my e-mail ID : XXXXXXXXXXXX. 
XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXXXXXX
I had a car loan with Santander Consumer Bank. The loan was paid off XX/XX/2014, but they are reporting to the Credit Bureaus that there were several late payments. I have sent them multiple letters asking for validation that those payments were late, but have not received any response. The account is paid in full, but those late payments are affecting my credit.Please help.
This company sent a live check to me which was cashed and I never applied for nor signed a contract with them. I was and have been unemployed since XX/XX/2015. they have reported to the credit bureas that i owe them XXXX on XXXX seperate lines. I have been harrassed by them coming to my home and communications by phone and mail. I have told them I have no account with them since we have no legal contract or any application. I think this company is some sort of scammer to get people of meager means to commit to them by sending out a live check to you even though they dont qualify for it due to thier finacial state. If you ca n't help me at least look into this type of lending practice
I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$1100.00}.
XXXX my bank account was seized by XXXX XXXX XXXX who are representing New Century Financial for a debt that I dont believe is mine. I got the courts to release the money on the XXXX asset rule and the debt was taken off of my XXXX report and marked satisfied on XXXX. At the time I thought it might be XXXX as the original creditor. A year later they have seized my bank account again and now they say the creditor is actually XXXX XXXX XXXX. I do not owe XXXX I dont even know who they are. In the meantime I can not get XXXX XXXX XXXX to prove validity of the debt. they claim it has to be mine because they were awarded a judgement that I knew nothing about. Original papers were sent to outdated address. How can I get these people to Validate this debt or at least leave my bank account alone. They have refused to help me get any information at all.
I was alerted to a medical collection on my credit report under the name of XXXX XXXX on XXXX XXXX while attempting to secure a mortgage. The account number listed is XXXX. On the afternoon of XXXX XXXX, I contacted I.C Systems via phone ( at XXXX ). When I got someone on the phone ( a woman who refused to repeat her name after it was given once, quickly, or collector identification ) I asked for information for who the original debt was issued by ; my credit report references a medical provider in Pennsylvania, but the name of the doctor / practice is not showing on the reports. I advised the woman I had an account number - she stated that they were unable to provide any information to me on the original debt at that time. She did not take down the account number, but read back my phone number to me from caller ID and advised my number was not appearing in their system. I again asked for validation of debt and I was told it was n't available. To date, I have not received any written communication from I.C. Systems or any medical services provider concerning a debt in the amount of {$89.00}.
I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
We applied for a loan with Citizens Bank and received confirmation on XXXX XXXX 2017 at XXXX. We called XXXX to get all the payment details only to find our first payment was due XXXX XXXX. 25 days after finding out our loan was accepted. We then requested to set our payment up on XXXX XXXX each month. This would be auto paid. They told us they can not change the payment date. The rep said the repayment starts 30-45 days after the funds are sent. We are at XXXX so it is n't even following their own rules. The rep then told me to call Citizens to ask them to change the date. I call Citizens and they tell me they ca n't change the date but XXXX must. I ask what the grace period is and the representative says " your loan does n't have a grace period. '' So I call XXXX back and they inform me a supervisor will call in 24-48 hours. I call XXXX back and they tell me again they set up payments in 30-45 days but mine is still set up in 25 days not enough time to get my funding spread out without double paying. We this time just request XXXX XXXX 2017 as the first payment. This request is denied despite being within 30-45 days per the representative.
XX/XX/XXXX, I experienced a loss of employment and was forced to put my home on the market, as I could no longer afford it. I ended up having to do a short sale on the home, and it was approved by my mortgage companies. My XXXX mortgage was completely resolved with the proceeds from the sale. However, soon after, I was notified by PNC Bank that my home equity line of credit was not completely resolved. They told me that a balance was still owed. I immediately resumed payments on this account, and have made consistent, monthly payments on this account for well over three years now. It recently came to my attention that PNC Bank is reporting this account as a collection account! Despite three and a half years of loyal, timely payments, they are reporting this account as a collection account. Additionally, I have discovered that they are re-setting my date of last activity every time I make a payment. So instead of reporting the date of last activity as the date they put the account in collections, they continue to re-set that date monthly. I can only assume that they are doing this to perpetuate the seven years they can continue to report this debt on my credit report. My credit is not perfect, but this situation is having a devastating effect on my overall credit rating. I have contacted PNC Bank about this situation on numerous occasions, but they offer no resolution. There were XXXX different avenues I could have taken about this matter when the short-sale occurred. I could have just let the account go, and stopped making payments. After all, I no longer lived in the house. However, I decided to do the honorable thing, and continue to make loyal payments to this debt. In my opinion, PNC Bank has literally punished me for doing the right thing.
I disputed inaccurate information with Experian regarding the accounts that are listed on this dispute. First of all, I 've contacted the companies via USPS certified mail and sent them a letter of debt validation. None of these companies responded with any verification or validation of the accounts or the information regarding the accounts. By law, these companies are supposed to verify to me that these accounts and the information is accurate. I would like to know what verification/ validation did Experian receive regarding these accounts that was competent since they say the investigated my dispute.
On XX/XX/XXXX 2017, I went to the Rabobank branch on XXXX XXXX XXXX XXXX, XXXX, CA and XXXX was my teller. I asked her to deposit my check, which was {$3000.00} into my Savings account. She confirmed that the funds would go into Savings then began trying to sell additional products/services that the bank offered, which may have distracted her from my request. When I received my receipt I noticed that the amount in my checking account had increased by {$3000.00} and that my Savings account balance had not changed. I once again asked XXXX the teller if the funds had been deposited into my Checking or Savings account and she confirmed it had gone into Savings, which did not align with the receipt. 
Later that day I checked my balance online and as I suspected the funds had not been moved into my Savings account. Therefore, I completed a balance transfer online in the amount of {$3000.00} and figured I would just do it myself, as I could see my newly deposited funds in my Checking Account. 
The following day on XX/XX/XXXX 2017 I received notification that my Checking account balance was overdrawn and I was being charged fees, adding up to {$280.00}. Upon further investigation I found out the bank had moved money from my Checking account into my Savings account without my knowledge. This caused my Checking account to be overdrawn as {$6000.00} total was moved out of my Checking account, the {$3000.00} I moved, as well as {$3000.00} the bank moved well after the point in time that I completed the transaction. I would not have moved {$3000.00} out of my checking account had the funds been deposited correctly into savings at the time I visited the branch. 
The negligence from this bank branch has caused me to pay unnecessary fees and should be illegal. Once I noticed this I discussed it with XXXX in person, he took down my information and said that a manager would give me a call. 
Two days later, when I discussed this with the bank manager ( I do not recall her name ) she offered to split the difference of the fees with me, by dropping them by {$140.00} to {$140.00}. I explained that this was not good enough as I had money available and it was only due to the way they transferred money in my account which caused me to be overdrawn. 
Please investigate this, I do not even want to deal with this branch anymore and may move my accounts to another institution as this was a fairly simple request, which led to unnecessary fees. I believe I should be refunded the full amount of the fees or an additional {$140.00} as I should not be required to pay fees which only occurred due to their mistake.