WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion is reporting my credit inaccurately. They have deleted XXXX of my credit cards from my credit report. The total amount of credit of these XXXX cards is {$3500.00}. This is bringing down my credit score to a XXXX which is considered to be average. XXXX and XXXX have my score above XXXX. They are also falsely reporting my credit utilization ( Transunion is showing 46 %, XXXX is reporting 16 % ) and available credit. I need to have this fixed ASAP. I 've already used their dispute process and have even sent them certified letter asking them to fix this information, but they still have n't. I need the following XXXX credit cards added back to my Transunion credit report : XXXX XXXX - Credit Limit {$1500.00} - XXXX XXXX XXXX - Credit Limit {$1500.00} - XXXX XXXX XXXX - Credit Limit {$500.00} - XXXX I 've also attached my XXXX credit report as this is correct and should be used as a guide for Transunion. I 've already sent it to Tranunion in my certified letter package. 

Please see attached documents for my case.
Hello, I signed up for US Bank checking and savings a little over a month ago. They have repeatedly taken " charges '' out of my account to the point where it has become overdrawn. Even when I have money in the bank they say it is " unavailable '' because I had just deposited it and they placed a hold on it. Yet they would let the charge go through and then charge me {$39.00} each time! I feel they are systematically stealing money from me and probably many others as well. 

Recently I had adequate money in my account yet they charged me with XXXX overdraft charges. 
I am sure they have several disclaimers they hand out when they open accounts but the paperwork is massive and the type is very, very small. I am getting older and my eyesight is n't what it used to be. It is hard for me to read " mice type '' if I can read it at all. 

They need to have their practices audited. Of course I will close my account with them immediately but I can supply you or anyone else with any details you would like. I feel like I have been robbed by these people as they have taken XXXX of dollars from me and refustThank you, XXXX XXXX
Began calling servicer when income decreased. Call center in XXXX gave false information repeatedly. Sent in repeatedly load modification packet American Home mortgage was working with us on modification while filing foreclosure and not serving or advising Hope Now was contacted to no avail. 
Homeowners were dual tracked repeatedly. 
Libor rate is
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT.
JH Portfolio Debt Equiti has placed an account on my credit reports dating XX/XX/2018. This debt has been previously disputed and deleted off my credit files. Now that it is tax time, it has magically appeared again. I have researched this company and there is NO valid license to this company nor bonded in the state of TN, which is an requirement to collect on a debt. Furthermore, they have not sent me anything in mail as the Fair Debt Collection Practices Act requires within the 5 day time frame notifying me that this account was placed on my credit reports. It has been 15 days since this account was placed on my credit files and nothing in mail. I would like this removed from my file once and for all especially since the 6 year time from of original default has expired, which is also another violation. I will contact the Attorney General as well Federal Trade Commission in regards to this unethical practice.
XXXX XXXX XXXX XXXX original debt XXXX. I was never notified of this debt. This debt occurred on an emergency room visit regarding my son. The insurance holder for him is my ex wife through her new husbands policy. They never notified me of this debt and my ex wife was able to get this put under my social because she knows it by heart. I have settled this debt for XXXX and it was supposed to be removed from my report due to the false circumstances and lack of notification on behalf of the original creditor and my ex wife. For some reason it still appears on my report with an open balance of XXXX
I have been set up for automatic debit payback. At the beginning of XX/XX/XXXX it said I should be paid off by XX/XX/XXXX with only XXXX dollars left. XXXX did I know they were skipping payments and saying some months I have not owed anything for the month. In part I think to extend the loan and collect more interest. When I asked them they said oops we 're sorry it must be a glitch. We will take care of it for you. Now this year as of today I owe XXXX and have an estimated XXXX. Now something does n't add up because If payments were being debited I would have had more than XXXX dollars off the loan because my payments are XXXX dollars
On XX/XX/XXXX I was granted a request for a Graduated Repayment Period on a Sallie Mae student loan. I was sent a document outlining the repayment schedule for this program, in which I would pay interest on the loan but not the principle. On XX/XX/XXXX I was charged both interest and principle on this loan through an auto-debit transaction. On XX/XX/XXXX I called Sallie Mae to inquire about the status of this loan, at which point they acknowledge that I was owed a refund. The refund was not issued. On XX/XX/XXXX I called Sallie Mae to inquire about the status of this loan, at which point they acknowledged that I was owed a refund. The refund was not issued until XX/XX/XXXX, at which point my account was shown as past due for the amount refunded to me. On XX/XX/XXXX I called Sallie Mae and spoke with a manager who assured me that the owning balance would be removed and the problem would be remedied. On XX/XX/XXXX I received an email saying that my account was past due for the amount of the refund. On XXXX I called Sallie Mae and spoke with a manger ( XXXX ) who told me my account was past due for the amount of the refund. Sallie Mae is making unauthorized withdrawals from its borrow 's account. These withdrawals are in excess of the amounts specified in its lending agreements about Graduated Repayment Programs. When a refund is sought out, the refund amount is then held against the borrower as a past due payment. Despite frequent and persistent efforts to resolve the issue - and open acknowledgement on Sallie Mae 's part that the account has been drawn down in error and no amount is owing - the issue has not been resolved and stands to negatively effect the borrower 's credit.
In XXXX 2015 the fiance company TD auto repossessed my car by mistake it was awful not to say embrassed the tow truck came started taking my car when I told him it was a mistake that I was protected by Bankruptcy law and refused to believe me and called the police my neighbors were woken up. The next morning called the fiance company the person to whom I spoke with was rude and would not listen to me cold not go to work for 2 days lost pay and not to say I was embrassed after many phone calls finally someone told me it was a mistake and sent me a letter of aplogy and the tow driver brought my car back in the night will repo stickers still on. I think they should at least do something for the money I lost and the anxiety I went thur. Thank you for listening
XXXX XXXX XXXX is reporting on all XXXX credit bureaus. This is a repossession showing on my credit reports that is over 7 years old. This vehicle that was repossessed was never in my possession and belongs to another person that is not and has never been of relation to me. I believe the amount of said debt is around {$11000.00}. I recently discovered this on my credit report when applying for a loan through my local bank. I want this deleted/removed from my credit report as of its age and wrongful placement of responsibility.
On XX/XX/XXXX I deposited {$2500.00} in XXXX bills of XXXX 's into an atm at a Chase bank. The atm malfunctioned and said that it ran into a snag. The only thing I received in return was a receipt stating the error. I called them the next day stating the problem and that my funds were not to be found. They fixed the problem and gave me my money, but on XX/XX/XXXX they ended up taking away {$2300.00} out of my account without notifying me. I called them the next day to figure out was going on and they reversed my money and claimed that I only deposited {$130.00} in single dollar bills. I spent the next two months talking back and forth with supervisors, branch, district, and executive managers. I tried my best coming to terms to resolve this issue but they supposedly did investigations and are certain that I deposited only {$130.00}. I've been banking with Chase for more then 6 years and I'm aware that there can only be a specific amount of bills that can be deposited into their atm 's. I would under no circumstances jeopardize myself and abuse these simple rules since I have bills to pay. They tell me they've reviewed footage of my deposit and found nothing. I trusted my bank to properly manage my funds and instead they steal my money and ruin my credit. This has been a very stressful time for me since I thought they could help me and own up to a mistake that happened on their behalf. All I received in return was an executive manager telling me on a phone call that took place on XX/XX/XXXX was what proof did I have that I deposited my money. They won't budge and clearly have no interest in returning me the money I earned.
Filed a dispute with transunion for XXXX XXXX XXXX and it was deleted from my report on XX/XX/XXXX. XXXX XX/XX/XXXX I received another report from transition and XXXX XXXX was not there. On XX/XX/XXXX I noticed it was reinserted without notification of reinsertion. I sent a request to remove account from my credit report by fax and nothing was done. I called on XX/XX/XXXX and I was only offered to open another dispute for XXXX XXXX XXXX instead of being offered to have the account removed immediately. On XX/XX/XXXX I received another report from transunion with XXXX XXXX XXXX on my report. As of XX/XX/XXXX I have not received notification of reinsertion or deletion of XXXX XXXX XXXX and also have not been provided any timely information as to why it was reinserted which is against my rights as a consumer.
I had two car loans from a XX/XX/XXXX included in a Chapter XXXX Bankruptcy and XX/XX/XXXX included Chapter XXXX bankruptcy they both were removed from my credit report on or before XX/XX/XXXX by all there credit Bureau XXXX, Equifax and XXXX. Since challenging these items, I've notice consistent removal of items that have been on my report over ten years. The removal causes my score to improve and within a few days of this score improvement, a new re-aged item appears on my report from medical collections, to previous auto loans that were previously removed that and included in the bankrupts beyond seven and ten years. I have sent disputes multiple times to Equifax, XXXX  and XXXX regarding XXXX. This time around, I received an email from Equifax stating their investigation will need more time, I assume because I attached each of the credit reports I've received from each Bureau dating back to XXXX, including disputes that they mailed me in the past letting me know when these accounts were and will be removed from my reports. I received updated reports with the removals. Equifax deleted XXXX XXXX car loan along with my Chapter XXXX Bankruptcy and Chapter XXXX bankruptcies on or before XX/XX/XXXX. They have had many months of investigation, all the while my credit score continues to suffer from their non compliance of the fair credit reporting act.
Every month started on XXXX day, Chase XXXX Department calls me regarding my mortgage payment. But by law, every mortgage customer has a 15 day grace period to pay. I get so afraid every time Chase Collection before my grace period ended saying " THIS IS AN ATTEMPT TO COLLECT A DEBT, ANY INFORMATION OBTAIN WILL BE USED FOR THAT PURPOSE. '' The customer service rep always insist the only way to stop the collection calls, although, i 'm never late, is to request a COMPLETE CEASE & DESIST of all future communication. 
I find that to be very disturbing, as i am not requesting all future communication to stop, only the collection attempt ones for payment that is n't pastdue yet. 
I suffer emotional pain and distress after each call.
Debts were incurred to XXXX around 15 years ago. The total claimed is around {$41000.00}. The debt has never been affirmed or refreshed. To the best of my knowledge, no judgment was ever obtained. Even to the extent that it had, then it would have expired long ago. However, the company ( national recovery center, inc. ) is now attempting to collect this debt. ( note, i submitted an earlier complaint against National Recovery. that name was incorrect, and this complaint corrects that mistake ).
On XXXX/XXXX/XXXX I tried to finish my application for a credit line from XXXX financial when they requested verification of my documentation. 

The concern I have is that they have requested my personal bank statement which shows my account number and name and date to verify my account. 
Prior to this they also requested my personal bank ID # ( separate from account # which is used for logging into my bank account information and my personal password to my account. 
I sent them the top of my bank statement and they would not accept it because I did n't include the entire statement. 
When I phoned XXXX they stated they needed this information to verify my account which is simply not true which my bank informed me. I told them that the rest of my bank statement is my personal banking transactions with private parties which they do not need access to for this verification. They insisted that they do. 
They will deny the credit line if I do not provide my entire bank statement which I feel is unacceptable to obtain credit. They do not inform you of this process until after you have completed the application and I feel it is wrong and misleading.
Account XXXX AES American Education Services I  called when I first starting getting bills from this Company that stopped billing over 5 years ago ; due to my co-signer being in bankruptcy. This caused them to capitalize over {$4000.00} in interest without ever reaching out to me to make payments on this student loan. At this point in time I just had a baby in XXXX 2016 and I have a medical bill and I asked that the {$210.00} payment be modified to half of the {$210.00}. They made me fill out paperwork and it took over 2 months to complete as they do not respond to questions - I sent paperwork via email and via ax and still took over 10 days to process. I think they have customer service issues due to these delays and then they denied request - due to insufficient income ( really ) I told them I needed a modification and I disagreed with the capitalizing of interest with no attempt to contact ME while co-signer was in bankruptcy. I would like the interest that was capitalized reversed and I would like a payment modification for at least the next 12-24 months ; in addition speak to the modification people to understand how this works and why they have such limited abilities to accommodate struggling times.
On XXXX XXXX, XXXX - My credit card was charged {$6100.00} in fraudulent purchases at XXXX ( approximately XXXX fraud charges ). I immediately notified the credit card company ; the card was closed and I was told a fraud affidavit would be forthcoming. It took n additional follow up calls and weeks later for me to receive the fraud affidavit. I have since executed XXXX affidavits and sent them to Macy 's XXXX XXXX fraud department on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have made numerous calls to the Macy 's XXXX XXXX for status of the fraud claim, to date no one has been able to provide me with a status. Meanwhile, I am being reported as delinquent to the credit reporting agencies. Please note Macy 's XXXX XXXX billing statement states, " We can not try to collect the amount in question or report you as delinquent on that amount. '' They are clearly breaching the credit agreement by reporting me as delinquent. My last attempt for status was today, XXXX/XXXX/XXXX - no one was able to provide me with a status of my fraud claim. Nor are they able to stop the delinquent reporting to the credit agency.
I would like to dispute the collection attempt against me from Allied Collection this account has been reported as of XX/XX/XXXX in attempt to collect a debt. I want to dispute this action based on their attempts to reage my debt this student loan debt comes from XXXX XXXX XXXX XXXX the collection attempt was sold to collection agency XXXX and XXXX and I paid them for several years. The account was again resold back to SC student loans and I paid them from XX/XX/XXXX to XX/XX/XXXX. This year XX/XX/XXXX I received notice to collect a debt from Allied Collection they opened a new  collection under my social security number and again reaged my debt. This is negatively impacting my credit and I would like this Allied Collection attempt removed from all three of credit reports.
I am submitting this complaint in regards to an account reporting on my experian and XXXX credit report. I have been disputing this account for months now. XXXX  has deleted it from my report. There is an account ... .XXXX XXXX XXXX that has fraudulant charges on it from over 2 years ago. I have requested that experian and XXXX please delete this account off my report as it is causing me hardship with my credit score. I was told they will not re-dispute this information unless I have a police report or further documentation to provide. I plan on going down to the police station to file this identity theft report this week. However after legal advise I sought I was informed that I can request to have this account blocked from my file for other creditors not to see in the meantime. I spoke with experian the other day and was told they now will re-dispute it and try and block it and or delete it but I must allow 30 days again. I want this account blocked from my credit reports because I am being penalized for something I did not do.
I am contacted daily by vital finance recovery! I do n't owe anyone money & there is no debt. If I call them back they say they do n't have my number & I tell them that I am reporting them to the FCC for harassment. I have been on the do not call list for years, I am harassed daily with vm from this company threatening that this is a debt collector and must collect a debt or I will be prosecuted. They claim I have received a number in the mail from them which is not true. They are rude & deny they have my number to call but my phone tells a different story.
SOUTHWEST RECOVERY SERV is the collection company that has reported a bad debt on my credit report.i have contacted them and requested a copy of the contract that was signed to prove i have signed for this. I feel like i have been a victim. they will not provide a copy of the agreement and told me to file a dispute with the bureaus. i filed a dispute and XXXX has requested for me to provide proof it doesnt belong to me or resolve the problem with Southwest Recovery. I tried to file a police report as well and the police department told me to file a dispute with the credit bureau. now you can see i'm getting the run around. What is my recourse?
I appeared at XXXX XXXX via a referral from my girlfriend at the time. Ms. XXXX XXXX said she was " see me for free and handle the insurance issues later if there was any. '' AFTER i had already handed my cards to the staff to be sure I was covered, one of the staff came into the exam room while the work was checkup was being performed - ( I was in the room for 6 minutes total, she came in after 5. ) and told Ms. XXXX that there was insurance issues of some kind and I was not covered. Ms. XXXX replied to " XXXX? '' or the staff member who had came into the room that I would not be billed for today and it was going to be a courtesy visit. 

I have called the office twice, not only do they deny the above, but have also been extremely rude to me when I try to state my claim and reasoning. I think this establishment is great, and has performed wonders for friends and family of mine, but clearly on this day there was an issue. Since then I have had the work she quoted at $ 640+ and an additional 8 sessions performed at XXXX for a cost of {$0.00}. 

I made it very clear that day that although this was an " emergency '' and that I did wants things taken care of, that financial means came first and that was my first in order of concern. I never followed up with this office again after finding an office that showed me four days later that not only did I have XXXX  insurance, but that I had full coverage. I attempted to relay this information to the office on my second call to them and they said they " never took that insurance, and that I must be mistaken '' - I have only had one insurance since moving off my parents plan on my XXXX birthday. ( per RI law ) I am unsure why there is any confusion in the office when I was clearly told one thing and then after receiving bills, and now collection notices, I am very disappointed in a business that appeared honest and forthcoming and came highly regarded.
They called me at work. Went thru the XXXX Department to get hold of me. I told them that I had asked them to not call me or my husband at our place of work as it could jeopardize our jobs. They continued to try to work something out with me thru threatening remarks. I gave them the phone number of the debt company we are working with to help us. I told them that I could not discuss this with them, that they were to contact this company and they continued to harass me. I finally hung up on them.
Lender tried to garnish the full original amount of the loan and interest ( {$1000.00} ), not the amount that they even state was owed ( {$660.00} ). They also tried to send a wage assignment to my current employer, not the old employer that they had a " Wage Assignment '' for. When I got the loan they produced a wage assignment for my then employer XXXX XXXX, but when they filed the wage assignment they sent it to my current employer " XXXX XXXX ''. See attached Wage Assignment. They also tried to send the Wage Assignment even after I had sent a " Notice of Revocation of Wage Assignment ''.
A request for an investigation was sent XXXX/XXXX/16 to Experian and it has exceeded 30 days. I have not received any status update nor investigation results which is a violation against the Fair Credit Reporting Act.
I am reaching out to you because I believe I have been a victim of Wells Fargo mortgage forced insurance fraud with XXXX. As I was paying my insurance through my monthly mortgage payment serviced by Wells Fargo, they were supposed to be paying my insurance company. When I had damage to my house in XXXX 2015, I found out that the bank was not paying my insurance company. They have instituted a more expensive insurance policy that I did not approve of nor was I notified. I have been trying to get reimbursement and have not been totally successful. This has been a systematic and widespread practice throughout the financial industry resulting in multiple class action suits from homeowners numbering in the multiple XXXX dollars. 

As all of my correspondences are in emails and written letters, I am unable to upload most of my documents. Please reach out to me to obtain these.