WillisBack/dataset-financial-user-claim huggingface dataset:
I consider this fraud and plan on suing XXXX XXXX Bank for fraud and falsification of information if this doesn't get resolved. XXXX XXXX BANK keeps changing and falsifying the date of last missed payment so they can collect from me. According to the FCRA, Negative information must be removed from your file after seven years. XXXX XXXX bank keeps changing date of my last payment on my credit report so they can keep collecting, when the date has way over passed since XXXX XXXX I AM PROVIDING PROOF with this document that the last missed payment was XXXX XXXX which still should mean 7 years since VERY last payment and that I didn't bring my account current since then. it should be DELETED from my report. please view attached document which proofs this! falsification of information is not right bc it is affecting my consumer rights and finances when trying to buy a home! please view attached document
The dispute is a American Express credit card payment Account Number Ending : XXXX back in XX/XX/2017. Originally the account number ended XXXX. 1 mistake i made is looking at the bill pay, it shows only XXXX as the full account number. I don't know if it is short for security or if i actually made a mistake and did not type the full number when i made the payment. 
As i said before, I sent a payment to AMEX but they did not apply the {$3000.00} payment to my account. I have been calling but can not find anyone who is willing to find why my payment was not applied. 
I have attached my Proof of Payment from XXXX, and all of my statements showing the electronic payment was completed and never kicked back so AMEX has the money somewhere but will not apply it to my account.
For an unknown reason my autodraft ( from my Wells Fargo checking account to my Wells Fargo personal loan account ) stopped. 

This resulted in ( 1 ) my loan payments being reversed ; ( 2 ) my losing the the favorable interest rate ( for being on autodraft ) ; ( 3 ) my account going delinquent and being sent into collections ( I never received noticed it went delinquent ) ; and ( 4 ) my payments accruing at a higher interest ( loans on autodraft are on a more favorable interest rate than those not on autodraft ) because my payments fell off of autodraft. 

I am told the payments were reversed because the payment was being drawn from an 'unknown ' account. Please note that this 'unknown ' account is the very same checking account that was used to set up my autodraft payments on Day XXXX. 

Because the autodraft payments stopped, I am now being charged a higher interest rate. I am told Wells Fargo can not refund the amount because by not being on autodraft, I no longer qualify for the favorable interest. 

Even though I never authorized the autodraft to cease, and the error was not on my part, I am told Wells Fargo can not refund me the difference in interest payments. 

I need someone to explain to me how this is right. 

I first need someone to explain to me how my checking account became an 'unknown ' account that led to my loan payments being reversed. 

At the end of the day, the difference in interest rate payments is very nominal - a few dollars. And literally at the end of the day that is all that will be because I plan to close all my accounts with Wells Fargo within the week. 

However, it is the principle - I should not be charged, fees, late payments, or interest for an issue that I did not cause or initiate. 

I am providing for your review ( 1 ) a snapshot of my WF accounts ; ( 2 ) the recent payment history that shows that my last XXXX payments came from the same checking account that is now 'unknown ' and resulted in my XXXX payment being reversed ; and ( 3 ) the loan statement that shows my payments being reversed. I did make a payment over the phone today to bring my account current.
Good Day Sir/Ma'am : My circumstance does not exactly fit into the canned reasons provided in the online complaint application, however I am hoping I can get some assistance with this. As I believe it affects many if not all Consumers.

1. On XX/XX/2018, I paid off my family student loan with the U.S. Dept of Education in the amount of {$1200.00}, and made a payment on my XXXX Credit Card in the amount of {$10000.00}, and a subsequent payment of {$350.00} on XX/XX/2018. 

2. I took these payment measures not only to reduce my debt ratio, but to improve my credit score as well. Just prior to making these payments my credit score for XXXX XXXX was XXXX, and Equifax was XXXX. 

3. I was shocked and dismayed to find that XXXX XXXX penalized me 16 points off of my score for having paid off my student loan, bring my score to XXXX, and Equifax 1 point down to XXXX. 

4. This action by me to reduce my debt, and pay off my student debt should have been rewarded by adding points to my score, not deducting points. Especially 16 points down. This is not fair to consumers who are keeping up as best they can with paying their debt down.

5. This is a lose/lose situation being perpetrated on Consumers. I can see if the account had to be closed due to non-payment, where collections or a write off of the debt were required. However, this is not the case with me, as it most likely is not the case for many other consumers.

6. I am hoping to get credited back the 16 points ( XXXX ) from XXXX XXXX, and have the 16 points added to my original score of XXXX ( XXXX ). Although Equifax was not as harsh, deducting only one point, I feel the direction of the score should have been in the positive to XXXX. 

In closing, this is a unfair practice!! So much attention is placed on Consumers being responsible in managing their finances, paying down our debt, maintaining our creditworthiness, and when we do, we are penalized heavily for it ; therefore having negative effects on our credit worthiness. 

I greatly appreciate your assistance with this matter, as I am sure many other Consumers will. Thank you so much for this opportunity to file this complaint, and I look forward to hearing from you soon.

Most Respectfully, XXXX XXXX XXXX
Loss of income and unable to pay, when APR charged raised to the maximum by Discover Bank. XXXX XXXX XXXX, the debt Collector Attorneys for Discover Bank, refused to allow payment agreement, unless additional fees are paid to them. In addition Discover Card refuse to work with client accounts turned over to their collections Attorneys, who continue to add interest to the outstanding amount originally owed.
The loan, after several years of servicing, was sold to Concord Servicing. A single payment was paid late, generating a late fee. The subsequent monthly payments were paid on time as usual, via online banking bill pay service. Concord continued to charge late fees upon late fees ( pyramiding ). Despite repeated contact with them about this, they have never responded in writing or in any way with an explanation of the fees or a way to resolve these. The practice continues to this day.
Four years now Equifax has failed to report accurate payment information from the Department of Child support services. I realize they are not involved in the case and could take into account XXXX credits but these accounts closed it paid off in addition they have been closed by the mother more than a year and a half ago. I have paid the entire balance and continue to pay three times the allotted amount of child support to the mother, I have been the current custodial parent since XX/XX/2013 And Equifaxa negligence has For the past five years caused us as a family the worst amount of emotional distress you could ever imagine and its now odviously intentional. Theyre reporting does not match up with other bureaus is far off and makes me look like one of the largest their lips thats preventing me from getting the job to provide for my current XXXX XXXX, the XXXX XXXX XXXX and the XXXX XXXX I have.
I took out a payday loan several years ago through XXXX XXXX XXXX. During that time, things were fine, until I needed to change to a different bank account because I changed where my direct deposit was going. They told me that there was n't a problem, then they tried to take it out of the wrong bank! When that happened, everything went nuts and I had bounced checks going crazy on that account. This put me in a financial bind and I was not able to pay them, and I had to close out that account. That had to be at least 2-3 years ago. 

I received a phone call today at WORK ( I have told XXXX XXXX that they may NEVER call me there ) from XXXX at XXXX telling me that they were in the process of having me charged with defrauding the state of Florida and writing bad checks. Once this happened, I would be arrested at my place of employment! I told them that they could not call me there, but I would have my wife call them back. When she called them, they would n't give her any information. She wanted their correct name, mailing address, and fax number, but they refused to give it to her or even verify their correct business name. ( They answered the phone as XXXX, XXXX, and XXXX. )
I am attempting to have a payoff amount quoted to me via either phone, or online. At this point I have been informed that this is impossible and that the only way I can obtain this pay off amount will be via regular mail. This is consumer fraud because as a customer who desires to pay the amount owed today, I must wait several days, possibly a week because their corporate office is located in Texas. In the meantime interest is accruing of which I still must pay while waiting for the payoff amount. This company needs to be informed that this type of consumer fraud and I believe irregularity which does not conform to the law stating as a consumer I should be able to obtain a payoff figure when I desire to pay off the amount owed and not have to wait.
After taking out the loan with XXXX XXXX at the end of XX/XX/XXXX, I made the first payment on XXXX.17 Noticing none of my payment went to the principal, I called to ask why as there was nothing in the loan agreement that stated they could arbitrarily assigned payments as they saw fit. 
I was told it was not in the agreement but on the website. However I could only pull up that page when I applied, so I could not see it again. 
I told them this was a deceptive practice and they basically stated too bad. 
So I looked into them a bit. 
I found out not only are they not licensed in my state, the interest charges are not legal in my state as well. 
They were hesitant to revoke my ACH authorization until I threatened to call the Ohio Attorney General 's office, as the ACH act is Federal Law. 

I offered to pay back what was left of the principal ( XXXX minus the payment made on XX/XX/XXXX of  {$110.00} ) of XXXX and they said they would only accept payment now equaling XXXX. 

Which is still in excess of Ohio 's interest limits. 
They have now locked me out of their system online so I can not see my account or documents. 
If I end up at a collection agency for this I will certainly take them to court. 
They claim they are a Tribal entity and laws do not apply to them. However, they could not tell me one XXXX XXXX who worked there.
I accepted an airport offer from American Express in XX/XX/XXXX to earn XXXX bonus miles and a {$50.00} statement credit if I made qualifying purchases within the first three months. I did so, paid my bill in full promptly - but never got the promised miles or credit. The reason? I held the card in XX/XX/XXXX ( which, of course, I do not even remember ). Sneaky marketing. Exhausting to read through all the fine print. Alot of wasted time on my part trying to pursue an offer I could never really get.
Navient, which is my student loan company gave my phone number out to other companies without permission, and i 've been getting a mass amount of calls pertaining offers and false advertisement regarding education. It 's annoying and its very frustrating. I get phone calls late at night early mornings, its out of control. They just constantly call from different numbers and I would like it to stop immediately.
This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

Company : XXXX XXXXAddress : XXXX, AZ XXXXXXXXAccount Number : XXXXDate Opened : XXXX/XXXX/2007Source : EQUIFAXThe tradeline/account/information therefore needs to be removed/deleted. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

I have been writing Equifax regarding the removal of this tradeline for over 6 months. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Upon reviewing my credit report i noticed an account that is listed under MEDICAL.

Two issues with this situation : 1 ) I was never contacted by the collection agency at my address 3 XXXX XXXX, XXXX, NJ XXXX and/or called by the this agency. 

2 ) I have called their office - The number listed on my credit report and explained that I was covered under two medical insurances ( mine and my wife ). The original facility only processed one of the two medical cards for payment hence their was a balance left. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Under hippa my medical information is protected. Where's the medical release form? Why does a third party collection agency have my information? ARS Account Resolution needs to IMMEDIATELY furnish me with a medical release form or remove this account. I take my privacy and my rights serious. 

My expectations : 1 ) I am expecting the negative credit account be removed from both credit reporting agencies.

2 ) They need to give my file back to the original medical facility that needs to properly submit our medical information for payment.

If this matter is not properly resolved after this attempt. I will also be filing a lawsuit against the original creditor that sold this debt and Account Resolution Services as their inability to process the correct paperwork has hurt us financially with a recent car loan.

How can a company submit a negative credit rating for a bill that was mishandled by the original creditor and never even contact me regarding this situation.
There are fraudulent accounts on my credit report with Equifax, That Equifax knowingly placed on my credit reports even after being sent a signed law enforcement Identity Theft Affidavit clearly explaining the crime, and clearly showing the unauthorized accounts. These accounts include a Line of Credit from XXXX XXXX, an Auto Loan from XXXX XXXX both of which the company was notified that I am a victim of Identity theft and that I did not authorize this account to be opened in my name when my wallet was stolen it contained my social security card, my email addresses and my additionally contained my Drivers License. I never received any cards or account information from these accounts, Therefore I did not authorize these I never signed any cards and the accounts were opened at an address I haven't ever lived at. In addition to these two accounts, Equifax allowed for XXXX XXXX to place two UNAUTHORIZED FRAUDULENT Credit cards on my credit report, and XXXX XXXX XXXX credit card on my credit report. They have been notified these are contained on the Identity Theft Affidavit that Equifax was sent and I will re attach here once again. These accounts not only show the incorrect credit limit but each of these instituions were notified that I am a victim of Identity theft.
In XXXX XXXX, my wallet was stolen while I was visiting my grandmother in XXXX, TN. I noticed fraudulent charges on my Key Bank XXXX even though the card was PIN protected. I immediately reported this to Key Bank. They assured me that they would get this resolved and I was advised by the service representative to not make any payments - until I received confirmation via mail that the charges had been cleared. I never received any sort of confirmation and it is now XXXX. In lieu of the confirmation, I did receive two late charges of increasing value ( I was able to get the first one waived ). In addition to these fantastic gifts from Key Bank, I also began to receive phone calls from their debt collection department saying that my account was delinquent. Last week, I explained in detail to the collections representative ( XXXX ) the aforementioned series of events, and I informed her that I have no issue paying my debt - so long as Key Bank did not report my account as delinquent to the credit bureaus. She agreed to note that in my account details, and said that - as long as I paid the payments for XXXX and XXXX XXXX ( totaling {$160.00} ) - my account would be in good standing and not to worry. Well I paid {$200.00} XXXX Im no mathematician, but Im pretty sure thats {$39.00} more than my overdue balance ). Okay great, so thats the end of that right? WRONG. I log into my credit reports this morning, XXXX XXXX XXXX, and notice that my credit scores had dropped by XXXX and XXXX points since XXXX XXXX XXXX. After some investigation as to why this has happened, I discovered that Key Bank has listed my XXXX as XXXX days overdue. I call Key Bank again with two directives - waive this usurious late charge and correct the status of my account. After many transfers and long holds, the service representative ( XXXX ) advised me that theres no account notes, nothing she nor her supervisor can do, and to contact the dispute department when they open on Monday. Im nonplussed honestly. I went from having good credit to poor - right before I plan to move across country, and get an apartment. How am I supposed to do that now with poor credit? In addition to all of this, I cant even see my account balance. When I go to check it online, it just shows XXXX XXXX XXXX [ **** ] XXXX paydown to {$0.00}.!! DO NOT DO BUSINESS WITH KEY BANK!!
i am licensed GA real estate agent. I am extremely active in the real estate market and do a significant number of transactions. Even with my my significant real estate experience, I have come across a situation that not anyone I have contacted can help resolve. We are scheduled to close on my primary home and a line of credit from Wachovia ( now Wells FArgo ) has shown on title to the property. We have over 100 man hours ( no exageration ) attempting to get in touch with someone at Wells Fargo. This includes the attorney 's office. We have escalated to the " Office of the President '' at Wells FArgo. Wells Fargo will acknowledge we have a XXXX balance but they will not give a release. Without a release, I can not convey the property. 

We are going to make a complaint with the Department of Banking and Finance. Unfortunately, that is a slow process and could take several months to resolve ... .no guarantees on this course of action. 

We could hire an attorney but an attorney in this field is going to charge {$350.00} per hour. The number of hours that the closing attorney has put into this researcjh and our time is once again over 100 hours. You can see the 100 hours at {$350.00} per hour gets very expensive. 

We are scheduled to close this Friday. We are truly at our wits end. 

Even with my tremendous amount of experience, this has stumped everybody involved and we have no idea what to do.
I will try to make a long story very concise with my concern. : I transferred a total of {$3600.00} in an intra-bank ( Bank of America ) wire-to-wire transaction, only to later determine ( after the deposits ) that I was defrauded. The banking institution 's policy is that since this is a wire to wire transaction, I am not protected by the financial institution for this type of transaction. The bank currently has a freeze on the account and is investigating the incident, HOWEVER, they have expressed to me that I am NOT eligible to have my money refunded from the fraudulent account until they make contact with the account holder ( the fraudulent criminal!!! ). Since they have not made contact with the fraudulent account holder, my claim is being denied. Then bank is unwilling to tell me if this denial will unfreeze the account. What criminal in their right mind would return a call? Why arent the facts in this case enough to reverse whatever remains in this account?
equifax has reported on my XXXX XXXX XXXX. account that it is reposession even though it has been settled in full and no lien on the car and also have reported as of XX/XX/2018 as a credit card when it was a car loan ... ..also i have a issue with XXXX XXXX for not removing my XXXX XXXX account as late when the account is closed and is past the statue of limitations but equifax has also reported the XXXX XXXX XXXX XXXX account as a credit card when its a car loan as of XX/XX/2018 i have personally disputed XXXX XXXX XXXX XXXX and XXXX XXXX with equifax for the last 2 years and no matter how many disputes i mail them they refuse to remove either account from my report so i can not get a car