WillisBack/dataset-financial-user-claim huggingface dataset:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016, 60 days XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Between XX/XX/XXXX and about XX/XX/XXXX I worked for a company that offered a XXXX plan to which I contributed the minimum necessary to get the employer match. The XXXX plan is administered by Wells Fargo. Since I 've left the company, my " date of termination '' has not been reflected in Wells Fargo 's system which prevents the withdrawal of the balance ( I have a rollover IRA account setup to receive it ). The date should be some time almost 2 years ago and no one seems to be able to resolve it. I 've contacted the company, XXXX and Wells Fargo multiple times.
Ace cash express sent me email correspondence stating my payment would be withdrawn from my account on XXXX/XXXX/15. On XXXX/XXXX/2015 I received an email confirmation stating my payment was withdrawn from my account, causing my account to overdraft. When I filled out my application I advised the dates I get paid through my employer. I have sent Ace an email expressing their error and demanding a refund of the payment, plus fees associated with the overdraft. This company advertises that they are there to help those in need when in fact, they have cause me personally more financial stress.
I would like these items removed from my credit reports because I am a victim of identity theft.I noticed several inquires on my credit report that I did not authorize. 

Inquiry # 1 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 2 XXXX XXXX  DATE : XX/XX/XXXX Inquiry # 3 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 4 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 5 XXXX  DATE : XX/XX/XXXX Inquiry # 6 XXXX XXXX  DATE : XX/XX/XXXX Inquiry # 7 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 8 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 9 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 10 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 11 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 12 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 13 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 14 XXXX XXXX  DATE : XX/XX/XXXX Inquiry # 15 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 16 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 17 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 18 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 19 XXXX DATE : XX/XX/XXXX Inquiry # 20 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 21 XXXX XXXX   DATE : XX/XX/XXXX INQUIRY # 22 XXXX XXXX XX/XX/XXXX
I do not have an account with Sallie Mae. I reached out to them and they mentioned that there is no account in my name with them or even under this account number. When I dispute this with the credit bureau 's it is still showing up on my report yet it is erroneous. This needs to be deleted as soon as possible. Due to this erroneous reporting, I have been denied credit and I am in the process of purchasing a home. I wrote Sallie Mae and they mentioned that this is not their address and that this account does n't even exist in their records, yet it is showing up on my XXXX and XXXX report. Please DELETE this. This is reporting incorrectly and is against the FCRA reporting responsibilities. The account number is XXXX. Please see attached, for I have circled the account that is showing up on my XXXX and XXXX Credit Report.
I have been notified that the following fraudulent account XXXX XXXX XXXX XXXX acct XXXX and the following unauthorized inquires XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I have contacted Experian previously reporting this information did not belong to me but remains on my report. Please review the attached identity theft report number XXXX.
THIS DEBT WAS INCLUDED IN A CHAPTER XXXX AND CAPITAL ONE CONTINUES TO SEND ME EMAILS TO COLLECT AGAINST THIS DEBT. CAPITAL ONE WAS NOTIFIED AS A CREDITOR AND THEY CONTINUE TO SHOW THE ACCOUNT AS OPEN AND PAST DUE ON MY CREDIT REPORT.
I have been making payments to Navient for XXXX XXXX years. Its a private loan, and they pretty much refuse to help me in any way shape or form, even when I had no job and was struggling badly, which I guess is up to them. However, recently I went and checked my payment history and how they were being applied, and its ridiculous how they apply my payments to the loans. There is absolutely no pattern and they wont give me a clear answer when I ask them why my payments are being applied the way they are, and why Ive made next to not progress on my loan. After over 3 years of making usually monthly payments, my principal balance is actually HIGHER than it was when it first started. That makes no sense, and even they wont explain it to me, The only time they are willing to talk to me at any length is if I owe them money, in which case they will call me 6-8 times a day, but if my loan is current, they will just rush to get me off the phone as quickly as possible.
I was issued XXXX Balance checks from US Bank Platinum for balance transfers for 18 months. I was late with a previous payment and I called and got it resolved with the company. I was assured that it was taken care of and my interest rate was still XXXX. She offered to transfer my additional balances with the XXXX interest rate for 18 months.. They sent the next bill charging interest saying my account was delinquent. I called the day the bill arrived on XX/XX/2015 and the woman said she would not remove the interest rate increase. I closed my account. This company lied to me and tricked me into transferring my balances to a high interest rate.
Equifax had a large scale security breach and they informed me that I was infected. They provided one year of credit monitoring and identity theft protection as recourse but this is something that is going to possibly affect me for the rest of my life.
I was in the process of refinancing and was asked by the lenders to provide pay-off documents. I was further informed that once pay-off documents had been received, I would not have to make the next two ( 2 ) mortgage payments or words to that effect. Later it was revealed that that was in correct and that I had to make XXXX 2016 mortgage payment. Partial payments were made after due date. FREEDOM Mortgage had reported to credit bureaus that account was 30 days late. This was no fault of mine for I was led to believe that I would not have to make XXXX 2016 payment, but proceeded to make payments. Based on this situation FREEDOM Mortgage emailed me stating that they asked the credit bureaus to remove this comment. As of XXXX XXXX, 2016, credit bureaus reports account as 30 days late. Received banking statement showing that one payment was received on XXXX XXXX, 2016, but not cashed until XXXX XXXX. Investigation revealed that the other payment ( {$700.00} ) still had not been cashed. Bank recommended to stop payment on {$700.00} and to contact FREEDOM Mortgage over the phone and make payment. This caused further delay in processing XX/XX/XXXX payment and I am being penalized. Lenders will not proceed with refinancing until this 30 days late is removed.
I received an offer to refinance that included a free appraisal. After I provided sufficient personal information, employment details and home details I was contacted and told that based on a XXXX value they are unable to proceed and pay for my appraisal. I feel I was discriminated against and discouraged from continuing the application. This practice is abusive and deceptive.
This account was open with XXXX XXXX XXXX on or about XXXX XXXX and monthly payments were never late. The amount of the payment always exceeded the required monthly payment. After almost XXXX years of satisfactory payments there was a DISPUTE filed with XXXX XXXX XXXX regarding XXXX XXXX. The Bank was alerted prior to XXXX '' XXXX Transaction Request for payment, XXXX XXXX XXXX XXXX the Transaction anyway and played me along for XXXX days then dropped the DISPUTE. I had informed the Bank I would not and never pay the erroneous Transaction, XXXX later refunded the Transaction amount however the damage was done late fees on top of late fees were processed. However my position has not changed and my relationship with XXXX XXXX XXXX was TERMINATED. The issue of Credit Inquiries or the amount of Inquiries I have no control over the amount of the Inquiries in the course of day to day living and the Credit Agencies should not be allowed to give them credence and make the Inquiries an issue against the XXXX XXXX!!
My name is XXXX and I co sign on a car XXXX XXXX XXXX my friend filed bankruptcy on the car they charged it off and they still trying to makee pay I sent the request to XXXX and no answer I disputed it no answer
Received let ter from Harvard Collection  in   XXXX   XXXX    Called and explained services were not performed, hospital had sent over paperwork to verify previously to original debtor. Send certified letter disputing with in  XXXX  days, never received any response. Was told it was  XXXX  account, credit report is showing  XXXX  accounts. My understanding the account was resolved, but now has been sold to another party that is trying to collect it.
PHOENIX FINANCIAL SERVICE says that I owe them {$440.00}. I do not know what this is and I have never had a contract with such company. I request some explination of such charges in detail because I do not believe this is mine. 
Thanks in advance
My savings account was blocked without any explanation and after calling in and holding for over 2 hours, I was told to call back to speak with fraud department. I called back the next day again hold time was 2 hours and was told to send in the necessary documentations which I have and I still can not access my account. They are holding my big balance hostage and in checking social media there are a lot of other victims like me that hsbc is placing blocks on their accounts. Please help!!
Equifax had deleted XXXX a long time ago and now it is back on my Credit Report. I have requested them to delete this from my Credit Report because according to Fair Debt Credit Practice Act, Statue of Limitation in N.C. to collect a debt for an open account in the State of N.C. is 3 years and these accounts are over 3 years old. I also requested them to delete XXXX as pertaining to the Fair Debt Credit Practice Act, because this is over 5 years old. XXXX. all 4 accounts in which 3 have been paid and these should be removed from Credit Report because I have a payment arrangement with XXXX which XXXX did not report. I have also requested them to delete University XXXX pertaining to the Fair Debt Credit Practice Act, this is over 4 years old. Thank you in advance for your help with these matters.
My wife and I took out XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. We were under the same belief that many have that these loans would fund the education that would lead to the higher paying jobs, thus enabling us to repay the loans and have the life we had worked hard to create. After graduation we were told our repayment plans would be more than the income we were making and opted for a hardship forbearance. Once this expired we were still within the same financial structure and unable to pay the requested amount. Navient was formed and our loans were transferred to them for servicing. They were even more difficult to deal with! My wife had her parents cosign on XXXX of her XXXX loans and, as a result, Navient refused to offer income based assistance due to the income her parents bring home. We explained to Navient that these are out loans and we are happy to repay them but we need to be within a reasonable payment. They are requesting over XXXX % of our gross monthly income in the form of payments and are unwilling to budge. We were told that these are private loans and are not eligible for any assistance outside of what they feel we should have. This is extremely frustrating because we are already paying them {$370.00} for my wife 's loans and mine are in an educational forbearance. Once these come out, they want an additional {$1000.00} per month. That does n't include the XXXX loans they are unwilling to include in the consolidation for my wife due to the consigned. They want an additional {$800.00} for those XXXX loans- more than the combined total for all the other loans! When all is said and done, they want {$2200.00} per month from us. Our monthly income is only $ XXXX. That means over half of it would go to them. That does n't include the Federal loans we pay. Navient has been completely unwilling to work with us despite multiple attempts. The worst part is we have been paying on them for nearly 6 years and the total amount due today is actually more than when we took the loans out due to the 'interest only ' repayment plans and the fact that interest continued to accrue during forbearance. It is almost criminal that these companies are able to lock students in to these loans with no chance of assistance!
XX/XX/XXXX or around thereafter I asked the company to please remove the account from my credit report as it has been XXXX and it will help my credit to have it removed. It is in the amount of {$450.00}. The company then told me I have to wait 10 years for it to fall off unless they pass it on to a debt collection agency. I had spoke with them about me having problems paying the bill because I just got out of the hospital and I am not going to be able to return to work. They still refused to work with me. 
XX/XX/XXXX or around thereafter I called the debtor to explain that I just got out of the hospital and I was not going to be able to return to work and asked if there was anything or anyone that could help me pay my bill. They stated there was not it was not their problem and had I taken the insurance for if i couldnt pay my bill due to unability to work then the bill might have been taken care of ( bill in the amount of {$550.00} ). They did charge it off, I called them back and asked them if they could now remove it from my credit report and they refused ( same wait 10 years unless a collecter picks it up ). 
I found out in XXXX sometime that a tv service that i shopped with cancelled my card but never gave me a reason. I didnt owe them a dime so I asked if they could remove this mark from my credit report since it wasnt a bad remark. They like everyone else told me the same story wait 10 years. 
Around XX/XX/XXXX I contacted a credit card company about a balance I had on a card in the amount of {$400.00} and something. I explained to them that I just got out of the hospital and I was not able to return back to work could they assist me in finding help to pay off my bill? No ma'am I'm sorry we can not. You will just have to make payments XXXX how could i do that with no money ). Then I found out they discharged my account so I tried through them at the " top of the ladder '' per se to see if they would remove the bad remark from my report, again " ma'am please wait 10 years unless a debt collecter picks it up ''. 
In XXXX I opened an account with a card company and when I recieved the paperwork for the card and saw the interest rate I called them and told them to please cancel my card. I owe ( XXXX ) nothing, never used it. No problem they say..Its still on my report as a bad mark. 
In XXXX I believe I filed for a discharge on my loans for school because I was not able to go back, nor pay them back. I was deemed XXXX. I was approved. They are still on my report and still being told I have to wait for them to fall off. One says its a medical bill but its not. 
Last but not least there is an address on my report that I have tried and tried to get removed as I have never lived there. It is still there. That is not me and I have never left this town. Nor would I ever live in that town. 
XXXX what do I really have to do to get something done. These are hurting me.
I had received a letter from XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX? ) representing Portfolio Recovery Associates, LLC regarding a XXXX XXXX XXXX . The letter states they are attorneys. Yet online no listing in the XXXX XXXX XXXX nor Wisconsin Bar ; the letter states that they work out of XXXX, WI. The only time a debt collector needs to hire attorneys is to protect the firm against the Unfair Debt Collection Act and other regulatory complaint. The firm is asking me to pay an additional {$120.00} to take the case. It is Portfolio Recovery Associates that hired them not I. Again, Debt Collection agencies only hire law firms if the Debt Collector has broken the law or are knowingly engaged in illegal or unethical practices. The law firm in question has several illegal and unethical outstanding complaints. I believe there is collusion on both companies and would like my debt handle by another firm not has no association with the law firm or this debt collector. The phone number for the law firm is XXXX Portfolio Recovery 's phone number is XXXX I believe that after investigation of this matter that the fake law firm should be fined to the point that they must file bankruptcy. Also, Portfolio Recovery should be monitored more closely as their workers do n't sound licensed or that it is current. Portfolio Recovery Associates is aware that XXXX, ect. Is not a real law firm. Anyone that is an actual lawyer that collects debts works on high end side like yacht and jet loans recovery. Not my account. A simple debt collector just needs a high school diploma, pass a background check and pass regulatory testing.
This company - Kehoe Financial Group - is looking for somebody named XXXX XXXX. I am not XXXX nor have I ever known him. They called me from various numbers ( the last being XXXX ) and continued asking for him. Each time, I would tell them they have the wrong number and to stop calling me. On Friday XXXX XXXX 2017, I received a call from this company at XXXX PST lasting 6 second before it was disconnected. I received an immediate call back from their rep who was a man who was SURE he was right. He said I hung up on him and that was rude. At this point, this company had been calling me for quite a few weeks. I yelled at him, hung up, and called their corporate number. Once I called their corporate number, I was told that my outburst was recorded and they did n't tolerate that behavior. First of all, they never stated that my calls were being recorded prior to me calling their management. This is a breach of my privacy. Secondly - and most important - I 'm not actually the guy they 're looking for. The manager then told me that my number is listed in their system as 'wrong number ' yet they still continued to call. Her tune changed from being incredibly rude to realizing that she was just belittling somebody that has ZERO business with their company. She stated that she would put it on the do-not-call list, however, I 'm very skeptical that this group of incompetent people can successfully accomplish this basic task.
I ordered a chase card last XXXX. Over the course of months my credit card was being charged for internet purchases called 'cheng fei ''. After a couple of months my {$4000.00} limit credit card was charged for over {$8000.00} in charges. I called and wrote letters and Chase refuses to resolve this issue. 
I do n't know what the charges are for and I also do n't know how my credit card was charged over {$4000.00} past my limit. This is not legal! I have talked to customer service, the fraud department and even wrote a letter to the head of Chase credit cards. They refuse to acknowledge their mistake and refuse to remove the charges. 
I do n't know what else to do at this point
I had a CD with trustmark in XXXX XXXX and my dad and I both were on it. My dad went in and took out a loan and used it as collateral the loan officer let him take the paperwork out to get " me '' to sign it and forged my name. It happened XXXX different times with XXXX different signatures. I went to the main trustmark in XXXX and the legal team told me that my dad was getting a loan to put the money back in and I was basically screwed until then. I could not understand why my money could be tied up with me coming into the bank and signing. After the money was put back into my account I went into a trustmark location and got a cashiers check for the amount minus the fee to close out my cd early. The next day, XXXX/XXXX/2015, I get a phone call from trustmark and they state they are putting a stop payment on my cashiers check because my dad withdrew some money out of it and they gave me too much. So now I am facing embarrassment with my bank who has never given me trouble or I have never had trouble with. It has become a big problem.
On XXXX XXXX, 2015, I made a XXXX deposit on an Chase ATM machine located on XXXX XXXX XXXX XXXX in XXXX, XXXX a little before XXXX pm. After I was asked to insert the bills, the machine took a long time to process the bill count and then gave me a receipt saying that the atm machine was currently unavailable and a number I should call to report the incident. The number was toll free ( XXXX ) XXXX to which I called immediately at XXXX and then dialed again at XXXX. When I talked to the representative, they told me that the machine would not return any money and that the amount of XXXX dollars would be credited to my account. I did not think much of it and believed it to be a ATM error that had been resolved with this call. On XXXX XXXX, 2015 I noticed there was a reverse credit for this same amount and I contacted Chase Bank in XXXX and they transferred me to the claims department. I talked to a representative that told me that when the machine was serviced they had not found any excess money in this machine and that they had also checked the surrounding ATM machines. To which I responded that I had told them the exact location and machine in which the deposit was made. He said they would open up the claim again and double check if they would find that money. I asked to talk to a senior specialist who did not disclose his full name ( XXXX XXXX in XXXX XXXX ), and pretty much told me that if I had in fact made that deposit, then it would have been found in the machine. I do not know what to do next, I will be going in and talking to my bank supervisor.
American Express ( AMEX ) is charging me {$3000.00} in fraudulent charges. While I was in XXXX, my colleague and I visited XXXX of their night clubs. I received my bill for {$1600.00} and paid it with my XXXX credit card. After talking with the management about the service that I received, they agreed to reduce my bill and charged by AMEX {$1200.00} and told me that they would void my XXXX transaction. Which they did n't and I had to file a separate dispute with XXXX, who immediately credited my account. My colleague received his bill for {$3000.00} and was unable to pay it due to not alerting his credit card companies that he was over seas. After multiple hours of waiting for him to settle his bill by talking to the credit card companies over the phone, I finally agreed to pay his bill so that we could leave. The night club charged me {$3000.00} and then {$2600.00} for the same bill. As soon as I received my alert from AMEX on my phone I immediately called and told them that this club had XXXX charged me. AMEX claimed that I had to wait for the transaction to post before I could dispute it, in case it was simply a hold placed on the card while they checked to see if the larger transaction would go through since my colleagues cards had been declined. Once the transaction posted, I disputed the charge for {$2600.00} and was denied. I then thought that perhaps the {$3000.00} was the fraudulent charge and disputed that, again they denied me. Next I showed them how XXXX receipts had the exact same service listed and again disputed XXXX of the charges and they still denied me. None of these times was I ever contacted my AMEX or explained why they felt that these XXXX charges were valid. For a company that actively promotes their protection against fraudulent charges, I was extremely disappointed. Especially since I was willing to pay the other XXXX charges without any problems and have done a lot of business with AMEX over the years.