WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2015 I received an inquiry from TJ Maxx. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.
I am an alumnus of XXXX University as of XX/XX/XXXX. During my collegiate career, I struck hardship and had to result to borrowing from private loan lenders to pay for my education. Now, less than a year after graduation, I am in the repayment process. The bulk of my private student loans come from Navient and XXXX XXXX. Navient has been unable to assist my cosigner and myself in being placed on an affordable repayment plan. With a monthly payment of {$830.00} from Navient alone we are unable to fulfill the payments. I recently ( XX/XX/XXXX ) spoke with several Navient representatives, including management, to lower my monthly payment with no positive outcome. I understand that federal student loans have many more repayment options than private lenders ; however, there needs to be some cooperation in the repayment process. It 's extremely hard to begin or elevate a career when you are in so much debt that it is crippling to your ability to grow financially.
I'm not sure if employment history plays a role on my credit score but it says that I'm unemployed but I have been with the same company for 4 years. Is there a way to fix that to represent my employment history? Before that I was employed with another company for quite some time and it doesnt show that i have any employment history at all
The XXXX '' XXXX tv I purchased from XXXX no longer works after having it a year and half, my XXXX/American Express failed to disclose limited purchase protection when affiliated with XXXX. AM/EX rep stated their " hands were tied '' to what the television 's manufacture repairman investigation concluded as to the cause of damage and its coverage. The rep also said if I had paid through my regular American Express the television would be fully protected and my money reimbursed. Additionally, I paid for extended warranty on the XXXX Tv and still was not honored. The manufacture 's repairman asked me to complete the online form explaining the XXXX problem with a photo picture of the television screen on. The next day the XXXX repairman based his conclusion on the photo image and accused me of damaging the screen without physically inspecting the tv.
XXXX reported that I was 60 days late in paying g on my account. They eventually corrected the report to the credit bureau and sent me a letter of correction. 
But my credit score has NOT been restored to what it was before. Which was XXXX XXXX and XXXX Equifax.
On XXXX-18 my lease with GM Financial was closed as a result of GM doing a buy back on my car because of mechanical issues. The account was paid off by GM when the car was returned. I have all documentation showing that the lease was paid off. I am still receiving statements from GM showing I have a {$0.00} payment and 0 payments left on my account. I called GM approximately 1 month ago and they confirmed the account should be closed and I do not owe anything. However, GM reported that I am delinquent by 3 months on payments for an account that no longer exist. I filled a dispute with GM and have not recieved a response. I also contacted XXXX who would not reveres the delinquent payment status even though I had all documentation showing the account was paid off in XX/XX/XXXX. I have never missed a payment on any type of credit. I have all documentation if needed.
all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full. 
XXXX XXXX card : XXXX - available : # XXXX XXXX card : XXXX -available : {$10000.00} XXXX card : XXXX - available : {$8900.00} XXXX XXXX card:XXXX- available : {$9000.00} XXXX card:XXXX available : {$5200.00} XXXX XXXX card:XXXX-available : {$1000.00} XXXX   card:XXXX-available : {$6000.00} barclays XXXX available XXXX Please help me
1 ) XXXX XXXX XXXX XXXXEquifax XXXX XX/XX/XXXX {$18000.00} {$0.00} {$0.00} XX/XX/XXXX CHARGE-OFF 2 ) XXXX XXXX XXXX XXXXEquifax XXXX XX/XX/XXXX {$2900.00} {$0.00} {$0.00} XX/XX/XXXX CHARGE-OFF THE 2 AFOREMENTIONED ACCTS. WERE NOT CHARGE-OFFS. BOTH ACCTS. WERE DISCHARGED IN CHAPTER XXXX BANKRUPTCY XX/XX/XXXX. PLEASE ADJUST RECORDS ACCORDINGLY ... .THANK YOU
I recently paid my credit cards off and when doing so some of the companies lowered my credit limits I could understand if I was late but from XXXX to XXXX and XXXX to XXXX but balance is XXXX and limit went down {$110.00} and the other is completely closed now. I also had never received my XXXX card when they switched from XXXX to XXXX and when I finally did they sent one to my XXXX my brothers XXXX and who knows where else. I also changed the image on my XXXX and one got sent back to the company one came to my XXXX and the otherwent to my brothers XXXX XXXX My brother brings them to me when he comes down to XXXX but there has been a lot of weird activity and cancellations of my accounts.
I have two checking accounts with Bank of America. On  XX/XX/18, I checked my available balance on one of my  accounts and it showed {$94.00}. On XX/XX/18, I noticed that my account had a negative balance of {$54.00}, so I immediately made a transfer from my second Bank of America account ( internal transfer ) and after reviewing the transactions, I noticed a overdraft fee in the amount of {$35.00} posted to my account on XX/XX/18, when my account still had an available balance of {$94.00}. I contacted Bank of America on XX/XX/18 and first spoke with XXXX in regards to the fee, and asked to speak to a manager to have that fee reversed, since there are transactions still in process and I should not be charged an overdraft fee in advance for transactions not completed. Also, since I never signed for overdraft protection, any transaction that comes to my account when there is no sufficient funds should be declined.I explained to her that I was being charged by Bank of America an overdraft fee for transactions not yet posted to my account. She did not transfer me to a manager or  supervisor and started to give me an education session over the phone. I disconnected the call and called Bank of America again and was connected with a representative named XXXX, who said he is a manager in West Virginia. Mr. XXXX also wasted a lot of my time and at the end, refused to reverse the {$35.00} fee. All my transactions were made as credit and as of XX/XX/18 there were still on pending status and Bank of America charged me a overdraft fee on XX/XX/2018 when my account never went on a negative balance. 
Today ( XX/XX/18 ), I received an email from Bank of America stating that my transaction in the amount of {$24.00} posted on XX/XX/2018 caused an overdraft on that date, but my available balance before that transaction was {$110.00}, so my account was never on a negative balance or had an overdraft and the {$35.00} overdraft fee should never been charged to my account. Bank of America is charging customers overdrafts fees incorrectly and representatives are refusing to reverse those fees. I am including supporting documentation for review.
I filed for a loan modification with US Bank, my mortgage company because I am behind in my mortgage. I ca n't pay the mortgage since my husband died, and I had to sell the business. I have significantly less income and ca n't make the payment. I got a letter from the attorney for the mortgage company saying that there was a foreclosure hearing date on XXXX/XXXX/2016. I called them on XXXX/XXXX/2016 but my relationship manager was on vacation. I spoke to another representative who told me that they had received the loan modification application and that it was in review. I asked the representative if they could call the law firm and ask them to postpone the hearing while I worked out a short sale. She told me that it was in review and that they had no sale date and that everything got put on hold until the modification was out of review. Based on that information, I did not attend the hearing on XXXX/XXXX/2016. However, I received a letter this week from the attorney that a sale date had been set for XXXX/XXXX/2016. I am just looking for them to postpone the sale date so I can work out the short sale. I have an investor who wants to buy my house.
Previously on  XXXX   XXXX   XXXX   XXXX  made a claim tha t I have enrolled into a School that provide with a High School Diploma , named  XXXX   XXXX  as I made a complaint to that collection agency to validate and verified, that I owed that debt and alone with my signature stamp. That estate that I owed {$1600.00} debt to the school and to please send me a copy of that debt, there were lots of discrepancies for  one I d id not live in the address they said i live in witch I did not ever live in that address  XXXX   XXXX   XXXX   XXXX , TX  XXXX . And I made it clear that I would place a complain to the CFPB so we agree that they were going to make an investigation and notified the School about these ledge debt I do n't owed, so their resolution after a few weeks was to notified the school that they were going to STOPPED COLLECTING and that they will returned the file to their client,  XXXX   XXXX   XXXX  THE  XXXX   XXXX ,  XXXX   XXXX   XXXX , GA  XXXX . Account #  XXXX  Reference #  XXXX , And they did stopped reporting to the credit bureaus, but apparently now the school give these debt to another collection agency name ABILITY RECOVERY SERVICES, OPENED DATE AS IT APPEARS ON MY CREDIT REPORT  XXXX   XXXX  FOR {$1600.00}. Please I am tired of these allege  XXXX   XXXX  to stop harassing me about these debt. I send a certified letter to these  Ability Recovery Services to va lidate me with the debt and to make a final decision to their investigation, and to stopped immediately reporting to all credit bureaus and to delete such a false and fraudulent accusation of these debt.
I 've placed fraud alert on my credit report due to identity thief I 've reached out to, Equifax XXXX and XXXX informing them this XXXX XXXX XXXX Acct # XXXX acct does n't belong to me. I 've even asked for acct verification with my signature, I have n't yet received this information. I 've called numerous time and have talked to customer service. 

Equifax : Dispute # XXXX, XXXX, XXXX, XXXX XXXX Dispute # XXXX, XXXX, XXXX, XXXX, XXXX XXXX File #  XXXX - I 've sent 5 disputes and 4 pone calls
My loan was transferred from XXXX to Statebridge. I have tried to call Statebridge many times with no avail. Statebridge is impossible to get ahold of. I have left several messages, but have only received one call back. I do n't receive correct statements, nor do I receive them on time. They are charging me late fees and my payments are not late. I need help to get this problem resolved. I do n't know how this company can be in the mortgage servicing business.
XXXX had billed me incorrectly, and during the time we were trying to reconcile the account was sent to Stellar Recovery, Inc. I worked through the errors with XXXX and paid the outstanding balanced owed directly to XXXX, but Stellar tried to collect a debt that I did n't owe them and is now refusing to remove the credit attempt from my credit records.
I received a letter from XXXX Credit Card account which is served by XXXX XXXX on XXXX XXXX, 2015. After the investigation of the account the claim has been resolved in my favor. They said they were going to have charges removed and I would not be held responsible for the debt. But as of XXXX/XXXX/2015 it is still on my credit report.I did talk to Transunion after I submitted paperwork from the creditor but they have not removed it from my credit history.
I have a mortgage loan with Chase on a home with my partner since XX/XX/XXXX. We got married in XX/XX/XXXX but due to FL law we were not recognized until XX/XX/XXXX. In XXXX she filed for Chapter XXXX Bankruptcy and the without my knowledge included the house in the filing. I have been making payments on the loan myself since XX/XX/XXXX. During my mediation I pulled my credit report and realized my Chase Mortgage payments were not being reported. I did more research and found out that my spouce was removed from all financial repsonsibility for this loan. My problem with Chase is that during the entire year from XX/XX/XXXX till present, my statements have not reflected any late payments or any missed payments. I learned that my loan was not paid for 2 months back in XX/XX/XXXX and that I was being reported by Chase Mortgage on the transaction reports that I was late 60 days for 11 months. How is it possible that my credit does not report this, yet now that I am trying to purchase some income property it is being reported by Chase that I am late and therefore, I am being refused a loan for my investment? What rights do I have as a consumer to be notified when my loan is overdue or missed on payments? Every statement I received DID NOT reflect this. I am very upset this has affected my ability to move forward financially and that Chase is providing derogatory information that should not be reported. Chase has assumed no responsibility in their informing me of the late payments being recorded. I need help to clear my name and record up with Chase.
Carrington Mortgage Service acquired my mortgage from Citimortgage about 8 months ago. Since that time they have created many different problems for me overall being unable or unwilling or both to process their own documents and to resolve the issues. The issues have included requiring me to refinance my mortgage because the overall portfolio they purchased had too much risk, being unwilling to set up the auto payments through my bank to ensure on time electronic payments despite me filling out the paperwork XXXX ( XXXX with a notary public ), charging me extra fees to make payments just to keep my account up to date due to their own inability to process their documents, offering online bill pay through their website which never actually is able to process a payment, forgetting to close out the previous loan account which they required me to refinance which led to massive confusion about wether I had a loan with them or not, and the list goes on and on. This company has been torturing many americans over the last few months as can be seen based on XXXX personal reviews written all over the web describing similar problems after each person had their mortgage acquired from larger banks.
I have  a Compass Bank Checking accou nt.     From  XXXX   XXXX  to  XXXX   XXXX  I was charged ATM fees totaling {$2200.00}.     The practice of charging excessive fees is unfair.     I continue to use this checking account and would  like Compass Bank  to adjust the balance based on waived fees.     I have paper copies of all monthly checking account statements, including all pages, reflecting the fees that were charged.     I have more than  XXXX  account w ith Compass B ank.
After recently filing a complaint with Sources Receivable Management, they sent me verification documents to validate my debt. I am so very glad that they finally did. They wouldnt before I filed the complaint and now I know why. They have a totally incorrect address on both lease agreements. I have never lived in XXXX I got married two years ago so my maiden name is XXXX but the debt is not mine. My signature was forged on both lease agreements from sprint and I have a valid XXXX ID to prove this. Both lease agreements were forged. The two signatures on each lease agreement are two totally different signatures. They attached the same documents in the thier response on my previous complaint. I now have proof that debt they are reporting to the credit bureaus is indeed NOT VALID. Due to previous false reports from them saying they spoke with me and falsely notating my account saying that I agreed to pay the debt I decided to file another complaint so that I will still have my proof if I have to seek legal action.
XXXX. account closed and I made numerous attempts to receive shipping boxes to return XXXX boxes. XXXX kept sending them to a undeliverable address which were then returned to XXXX. I finally was able to return the tuners and have XXXX office receipts to prove items were mailed. Numerous attempts to contact XXXX resulted in letters of either credit or " No Payment XXXX ''. Subsequent to the letters of " No Payment Due '' I am now receiving Letters from " Credence Resource Management, LLC '' Excellence Beyond Belief, ( a debt collector XXXX that I owe {$27000.00} and on XX/XX/2016 I received an additional online Bill from Direct for an additional {$83.00} and indicating that the tuner was not returned and is being charged to me. Upon receipt of the correspondence from " XXXX '' I called to dispute the charges and request a full breakdown of charges be sent to me. As of this date I have not received any documents from " XXXX ''. Due to the numerous conflicting " Bills '' and subsequent " Credits '' that I have received I wrote a letter which was mailed on XX/XX/2016 to Direct Corporate headquarters in Colorado and California explaining my frustration with the process of attempting to close my account and return the tuner boxes. To this date I have not had the courtesy of a response other than the threat of " A Bill Collector '' being assigned to collect a debt that I DO NOT OWE! It has become abundantly clear that the transition of tuner returns and billing services from XXXX to XXXX XXXX XXXX has resulted in total chaos and and attempt to collect funds from disgruntled prior customers. A quick look at the number of dissatisfied on the " XXXX '' website will certainly convince any prospective customer to now avoid XXXX. It should be noted that the XXXX Customer Service that was once received from XXXX is no longer there. Full documentation will be forwarded.
My husband and I opened a car loan for a XX/XX/XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX we had the car repossessed for being a month and a half behind. My husband had been having health problems and returning to his old job was not an option. We paid the amount to get the car back and made a payment arrangement with them. They offered the car at {$570.00} a month and we were agreeable. Unfortunately the first payment was to be made two weeks later and we could n't do it until 6 days later, somehow we were not able to get them to do a payment arrangement and we owed all this money up front. They accepted the {$470.00} every month on the XXXX and we finally got a payment arrangement on the XX/XX/XXXX for {$470.00} that day and a {$100.00} two weeks later and we would start paying {$570.00} on the XXXX and then continue with {$100.00} every two weeks after the main payment date. We have held up our part and yesterday the XX/XX/XXXX at XXXX I am having threatening calls of repossession after we already agreed on XX/XX/XXXX for payment arrangements. I checked my credit report and on both XXXX and XXXX I am current on the payments with {$0.00} behind. Credit Acceptance will not allow me to access my account online nor will they tell me why I owe {$840.00}. I have asked for them to send me a statement or an account summary 4 times now and I have yet to receive ONE. We have spent a ton of money on this vehicle and somehow we are told we owe different amounts each time I talk to a representative. It is {$370.00} or {$470.00} or {$840.00}. They NEVER tell me what I owe for but if I do n't pay today they will repossess my car. Forgive me for the angry rant, but this is really really bad for my husband 's health which he is on the XXXX list. We are both trying to make this work and each time we work something out, they call me with repossession threatening phone call. The last payment arrangement I asked for them to email me an arrangement document, they said they do n't do that. My husband told me they would n't honor it because they have yet to honor any agreement we have made. I paid on the XXXX the {$100.00}, two weeks after I made the {$470.00}. It was on the XXXX we started getting these threatening calls without being able to tell me why I owe so much. They wo n't send me anything like they have n't the 4 times I have asked. This company has crooked practices. I will NEVER EVER get another car loan through them.
I took out an {$800.00} loan through Big Picture Loans. I spoke with a customer service representative on the phone before taking out the loan, and was informed that my total pay off of the loan would be a reasonable sum just over {$1000.00}. Once the loan was approved and the funds deposited to my account, the loan documents became available showing that they are charging me an interest rate of 697.0935 % interest and the finance charge is {$2000.00}, which I never would have agreed to had it been disclosed to me by the representative. Instead of the monthly amount of {$210.00} that I was made to believe would come out of my account, they are charging me {$210.00} every 14 days where nearly {$200.00} of that is going directly to interest. To date I have made two payments and have paid {$380.00} in interest and {$46.00} to the principal. This is an outrageous amount of interest and is illegal. For an {$800.00} loan, I will end up paying nearly {$3000.00}. I am fine to pay the remainder of the original loan with a legal interest rate. However, I will not continue to pay an illegal amount of money to a company that is scamming people. I have been researching this company and have found that there are numerous complaints about this illegal activity.
I 'm contacting your agency to understand why my account with XXXX XXXX XXXX would be transferred to a collection agency and per the letter from the agency account is in a delinquent status. I understood only collection accounts are turned over to agencies for payment. The letter from the agency is dated XX/XX/2015 and XXXX XXXX XXXX has just processed my latest payment to them on XX/XX/2015.Please advise
PNC bank has a practice of requiring all home owners to provide proof of insurance, that is n't unusual. The problem is that as a company they do n't accept e-mail ; at all. So once you have the proof of the condouminium hazard insurance, you are presented with roadblock after roadblock of why they ca n't take your information. Their website which supposedly you can upload the documents to ; does not work for ipads or cell phones. Who I ask has a desk top computer in XXXX? When you call the XXXX # to complain and ask if one of their representatives can call your condominiums insurance carrier on your behalf, they refer you back to the website which does n't work for uploads, and or a fax machine which no one has, and they repeat that e-mail is not an option. Beyond technical customer service issues, the crux of my issue is that they threaten to automatically charge me for {$200.00} worth of condominium hazard insurance repeatedly even though I 've given them the name and number of my condominium insurance. I have all of the information on e-mail, but again their company in XXXX, states they can't/wo n't accept e-mail. This is a scam against the poor. This is egregiously damaging both in the economic and time sense. Never before have I ever heard of a mortgage company not accepting e-mail documents.
They are doing multiple ACH withdrawals causing my account to go negative with NSF in one day, 4 times on XX/XX/18 then twice XX/XX/18 instead of doing 1 time multiple times in 1 day.