WillisBack/dataset-financial-user-claim huggingface dataset:
My cell phone contract ended XXXX of 2012 (? it may be XXXX ). I paid the final bill in XXXX. Approximately one year later I received a collection notice that I owed the cell phone company {$330.00}. I do not owe them anything. After XXXX phone calls over the past couple of years ( yes, years ) the cell phone representative discovered that a new 2 yr contract had been started in the month of XXXX or XXXX. This is completely wrong. My daughter had lost her phone, I had another phone I purchased off of XXXX, I have the receipt for this other phone. I called the cell phone company ( XXXX maybe ) to move her phone number over to this new phone I had purchased on XXXX. When the number was transferred it created a new 2 yr agreement as if I had purchased the phone from THEM, but I did not, so this XXXX 2 yr contract should never have been started, but I was completely unaware of it. I have contacted the collection agency that sent bills to me. I explained what happened and they said it was n't their job to fix it. The collection agency somehow transferred me to the cell phone company. As I was explaining it, she put me on hold and we were disconnected. I called the collection agency back the next day. Out of frustration I explained, again, about the 2 yr contract that should not have been made and I just wanted to get this done with, it had been XXXX years. Even though it was a mistake by the cell phone company I was tired of dealing with it and offered to pay a portion of the bill if that would end it. The collection agency representative agreed. I asked to have the derogatory marks removed from my credit report ( XXXX pages from this XXXX collection ). This was also agreed upon. I told her I will be making a reference to our agreement on my check because she could n't offer me anything to secure our agreement. I sent a check with a notation written on it about our agreement ( I have a copy ). So, the account was taken care of. I contacted the credit reporting agency recently and the derogatory marks were NOT removed as agreed upon. I filed a claim with the reporting agency. They told me, after the investigation, that it is all perfectly fine and will not be removed! Now, I noticed there 's also a notation at the beginning of the XXXX pages, from this XXXX collection agency, that states " only half of the account was paid ''! That was our agreement! I was n't even responsible for this wrong bill but I was soooo tired of it I paid XXXX, and it did n't even fix anything! This is so completely wrong and frustrating! I have ALL the receipts and the check with our agreement on it, cashed by them. It feels like the cell phone company is just being vindictive and trying to harm my public profile, when they were wrong.
One of my creditors reported me deceased back in XX/XX/XXXX, it has been a living nightmare trying to have it reversed. I have submitted complaints to XXXX, Transunion & XXXX to date Transunion and XXXX. still have me listed as unrated and deceased. XXXX has not updated my report. Therefore I can not get credit, and I have a business and it is severely affecting how I do business. After many letters sent certified return receipts, I am at a loss as to what steps to take next. In XX/XX/XXXX XXXX XXXX called my mothers house to update their files? never called me, and she said XXXX XXXX years ago, that was my dad, XXXX did not send letters to my to confirm or call my cell. They wrote that account off and left XXXX other accounts active. 
I want to know who to talk to how hard can it be to reverse the damage. And XXXX will not talk to me I get transferred to XXXX. 
I am at my wits end.
I have had {$4000.00} in direct deposits on my account this week. 
XXXX XXXX XXXX XXXX My account has a hold on it for XXXX for a check I deposited XX/XX/XXXX. I filed a complaint regarding their banking error. A rep from USAA called me on XX/XX/2016 informed me that they do not accept XXXX party checks, the check would likely be returned back to the issuing bank and another XXXX would be taken from account. My complaint was the same, I never received a deposit of XXXX for this check a second time. I told the person i 'll let it be worked out with with my cfpb complaint. 
they have now put a fraud alert on my account. I can not access my funds to my account at all. I can not use my debit card, I can not pay my bills, I can not go into a bank to withdraw funds, I can not transfer money to another account I can not have the bank wire me money. I feel they have done this in retaliation to my complaint. there was no fraud on my account, the check I deposited belongs to my sister, that lives with me who lost her id. she endorsed the check and I endorsed it and deposited it. the check has not been reported as stolen or anything by the issuing bank. 
I have a mortgage to pay. I have a light bill to pay. if they reverse this deposit-i never received a XXXX time I still have XXXX in my account. If they fix their error I have XXXX in my account. either way I have money available to pay my light bill but they wo n't allow me to do so. so my lights are going to be cut off. I also have travel for work on sunday and no access to my funds to pay for a required business trip.
Last month I sent a certified letter to Experian to dispute an Account # XXXX currently being serviced by XXXX XXXX XXXX XXXX company. I filed a complaint with the Consumer Financial Protection Bureau against this company back in XXXX of 2015 complaint # XXXX. CFPB sent my complaint to XXXX XXXX XXXX on XXXX XXXX, 2015, and was suppose to get a response from this company within 15 days. Today is XXXX XXXX, 2015 and still no response. I filed a complaint with Experian Credit reporting agency and received their findings concluded that this account was validated by the collection company, but yet in still they have not responded to me or the CFPB. I am sure that Experian did not validate this account but from what I have read are friends with the owner of this collection company and are protecting this company interest. I want Experian to provide me and the CFPB with the validation information received from this company. And I want this account removed immediately from my credit records and confirmation of this sent to me immediately.
Because I was unaware of what has been going in regards to my credit report monitoring and having incorrect and outrageous errors all over my reports, this has concluded as a identity theft issue. And obviously, I am the victim. With that being said, and all my timing being very unexpected and hectic within my busy life as a fulltime mother and XXXX, I am AGAIN unaware and shocked with a Urgent notification letter from Sheriffs Dept. to my residence, stating under my name an ARREST WARRANT!  Therefore, fast forwarding towards ALL procedures I must do to quickly process towards my most important task ; clearing my name FIRST and rolling over to correct my IT issue, as well as my SS #. Lastly, I state that in my terrible and agitating situation, it all sums up quite simply that as a victim of Criminal IT ... MY NAME is now FALSELY UNDER FOR AN ARREST WARRANT DUE TO A SERIOUS FELONY CRIME. Thanks a lot for whoever decided to do this to ME and vanish into thin air so I can unknowingly suffer the consequences, and most unfortunately, AS AN INNOCENT CIVILIAN..!
I was sent an email from XXXX XXXX XXXX XXXX offering to apply a hardship forbearance to a payment I was running behind on. The email advised me to reply help and my account would then be reviewed for a hardship forbearance. On XX/XX/XXXX I received a notification from Nelnet advising my forbearance had been approved and my next payment would be due XX/XX/XXXX for my regular payment amount of {$160.00}. To confirm this, I also logged onto my Nelnet account to verify I no longer reflected a past due balance. Today ( XX/XX/XXXX ), I received a statement advising I have a past due balance as well as a subsequent balance due on XX/XX/XXXX. I called Nelnet to discuss the discrepancy and was advised by multiple agents that the system made an error and that I did not qualify for the previously offered and applied forbearance ( 3 days before my due date ) leaving me unprepared and subject to a negative credit mark for an error that was not on my part. Nelnet has advised there is nothing they can do to help me in this situation and they will review the system however, they will not be able to provide me with feedback on what went wrong and if its been fixed. This means myself and other unsuspecting borrowers are subject to experience this issue again in the future which is completely unacceptable for an organization that has the ability to impact credit reporting and the livelihoods of its customers.
This company has a collection history on my credit report. I have never heard of the company and the account does not belong to me.
I received a {$36.00} overdraft fee on XX/XX/18. On XX/XX/18, I had {$6.00} in my bank account. I had a deposit of {$10.00} sent via XXXX to my account that day. Which meant I would have had {$16.00}. I can provide an image of all items that were still in the pending status as of XX/XX/18. Except for one item - XXXX XXXX for {$15.00}. That was NOT posted or even in pending. I had the {$10.00} deposited specifically because I knew the {$15.00} would post the next day. The {$10.00} would have added enough to my account so I wouldn't go into the negative. I can also provide the receipt for the deposit which states " The money will be in your account TODAY. '' Unfortunately, I am not able to show how that account looked that day. From the next days ' image it is hard to understand that because of how the items actually posted. Regardless, if you would go based upon the screenshot of my account. It should have added {$10.00} to my balance before the pending items posted which means the computer system should have given me a balance of {$82.00}. With that balance, my account would not have gone into a negative balance. I went to the branch to try to have the {$36.00} overdraft fee reversed. However, they were not able to do that since they said the deposit was made after XXXX XXXX and it didn't post until XX/XX/18. I was not made aware of this by PNC. Specifically, I was informed of the exact opposite. The receipt I have says " The money will be in your account TODAY '' If at any point PNC made aware I would have gone to an ATM and put the money in that way. I should not be penalized for misleading information sent directly from PNC. I am asking you to help reverse the fee. Additionally, for them to correct their official misleading policies/information.
We asked about some generic options regarding removing the private mortgage insurance from our current home loan. Our inquiry was to the Loan Officer, XXXX XXXX with Wells Fargo, he originally handled our purchase ( as well as works for the company still servicing our loan ) and we thought he would have access to know at what loan to value we would need to be at for this to occur based on our current/ original terms. We were inquiring specifically about getting an appraisal on the home to establish value and remove the monthly PMI on the current loan. We asked about our options- We did not apply for a refinance or give authorization to pull credit from either borrower on the loan but shortly after received an email as if we submitted a loan application. As soon as we received the email about setting up a new loan process ( an " e-consent '' for initial disclosures ) It was clarified to the Loan Officer that we were not interested in obtaining a new loan or refinancing and asked him to withdrawal our application. Because we didn't give our authorization for the e-consent we received an overnight disclosure package in the mail 2 days later. The paperwork shows all old/incorrect information from our old file because we never gave him updated info for an application. We are frustrated to have had our credit pulled without our permission and then even more frustrated that after we clarified that we did not want to refinance that we still received loan docs in the mail. The LO should have cancelled our application before anything had been sent.
To Whom It May Concern, Citizens Bank has frozen my joint account with my XXXX parents ( XX/XX/XXXX.-XX/XX/2016 ), without any notification or explanation!! Got so humiliated when my debit card did n't work, for the first time in my life! Eventually they forced me in to closing it ...!!!?? 
I have talked to many people from the bank but nobody is telling me what happened and why? 
They did mention something about being born in XXXX ( XXXX, which was decades ago!! )!? But that 's it! I still have other accounts with them, is it gon na happen to those as well? XXXX XXXX XXXX did it to me before! So tired of being treated like a criminal .I am a U.S. citizen and been in the U.S. for almost 20 years, preschool teacher mother of XXXX living my life peacefully, just want to know what is it that I have done to be discriminated against like this! 
XXXX & XXXX XXXX XXXX
I disputed the following account on my credit report ; I sent Experian letters which I received from the creditors which shows that the account are being reported in correctly. The letter also states that the accounts should be deleted, and or updated to reflect no late payments and etc. I have disputed this with Experian who fail to perform a proper investigation into the matter. They also have failed to removed the accounts from my reports, even after the creditors have requested it all be deleted or updated to reflect no late payments or past due. Please help me. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I do not understand how the credit lending institution can allow a machine to run my credit and decide that the lack of information found means I'm a risk factor for paying my bills. I have filled out credit applications and been denied for what was on my reports so I did not argue. I spent several stressful weeks trying get the inaccuracies corrected & now they are. I filled out a new application and was denied for not having enough history of payments, & a non generated fico score. I have paid cash my whole life & had no clue I was being graded for my payment histories! The credit card companies will not give me a fair chance because according to the grading scores ( calculated risk ) I'm not credit worthy. I am sick of the way our governments grade our lives pretty much from birth! I'm capable of paying my bills and I'm the one who should be ablebto say so not some XXXX scoring chart that has no clue what assets I've aquired in my XXXX   years of life. Credit lenders if you can not treat me the way you might a XXXX  with no credentials in the U.S. then your loss and you should be ashamed of your selves. I think its prejudice & bias that you won't trust me but I'm forced to trust you!
Good Evening ; I was going through my credit report after receiving several aggressive calls from a debt collector company about an alleged debt. I went ahead and paid, but I keep reviewing my credit report it shows on my credit with a balance of over {$200.00} ... .I 've asked them and the credit bureaus to please clarify the payment status, comments, balance and account number as they might be erroneous. 

Also I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. 

Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1.  Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity
Transunion ALLOWED XXXX to do a HARD PULL on my credit. See proof that their " collections '' was removed from my credit. AND yet they allow a HARD PULL!!
I purchased a vehicle through coastal finance located on XXXX XXXX XXXX, XXXX, NC XXXX. This car had several mechanical issues and broke down in 2010. XXXX expert mechanics informed me that the car was not repairable. I called Coastal Finance to alert them to what was happening and that the vehicle could be picked up. Coastal Finance did n't believe what I was telling them so a man by the name of XXXX had the vehicle towed from XXXX, NC to XXXX, NC to his personal mechanic. He phoned me to say that the account would be closed and charged off as I had gap insurance. This account was due to fall off next year and after 6 long years of inactivity they report a missed payment on my equifax credit report and added an additional {$1300.00} to the original amount owed. Now my credit score has dropped and this old account is showing open and different missed payments are appearing. This company is lying to keep this account on my credit.
Identify Theft. Macy 's American Express sent a second card to to a different address and also increased my limit to {$10000.00}. Person charged {$42.00} at a gas station in XXXX and then tried to charge {$1300.00} at a XXXX was declined and tried again with a different amount of {$1100.00} at the same XXXX a few minutes later. Macy 's American Express contacted me with this information and gave me their Citi Fraud info to file. They did not remove the {$42.00} from my card ( which I am not responsible for as it was not me and they caused this from the beginning ). I refuse to pay this and am getting finance charges plus fees and as of XXXX/XXXX/16 total due is {$70.00}. I have tried to deal with them directly but can not get any satisfaction. All my answers to my questions get the response no I can not connect you to the person in charge of your case in the fraud department. This is been going on since XXXX XXXX and has not been resolved to date. I followed all the instructions given so I am not sure why Macy 's insist I pay the fraudulent charge. This should have been written off on XXXX XXXX, 2016. Even Citi Identify Theft Solutions can not get this resolved with Macy 's American Express. I have cancelled my Macy 's American Express as well as the Macy 's credit card.
My wife and I got an auto loan on a brand new   XXXX   XXXX   XXXX  t through Chrysler Capital in XX/XX/XXXX . The amount financed was {$25000.00}. We have been paying for the loan every month since  XX/XX/XXXX  when the first payment was due. The monthly payment is {$550.00} and is due on the  XXXX  of each month.
As of  XX/XX/XXXX  the loan was current however the payoff amount was quoted as {$24000.00}! Of the payments we have made at least 9 of them ( that we know of ) went to interest only! I have been paying on this loan for over 2 years at $  XXXX /month and we only owe {$1000.00} less than when we started.
So on  XX/XX/XXXX  I contacted them to make a large lump sum payment of {$6000.00} to bring down the principal and bring the vehicle closer to its value to attempt to trade it in or refinance the loan. They would not allow me to make a payment online or over the phone by any payment method, for more than {$2000.00}. So I had to pay {$23.00} to have a personal check overnighted to them. They received it and posted it on XX/XX/XXXX  ( before the due date ). I then logged in only to see that of the {$6000.00} on-time payment they applied {$4800.00} to principal, {$1000.00} to interest, and charged me a {$130.00} fee! I immediately called and told them to apply my entire {$6000.00} payment to principal so I could pay this loan down. They said it would take a few days, and they finally posted it to my account on  XX/XX/XXXX .
Today I logged in, and despite paying them {$6000.00}, they are considering my loan past due. As of  XX/XX/XXXX  the payoff amount is {$18000.00}.
I feel we being completely taken advantage of. This was our first loan following a bankruptcy and we are attempting to rebuild out lives. At this point the vehicle is only worth {$8000.00} ( NADA average trade in value ).
At this point I have already been approved by another lender to refinance the loan, however they are not willing to send a payoff of more than {$16000.00} because of the vehicle 's value.
It is not fair that we are being taken advantage of because of a previous bankruptcy.
I opened a secured cc account with bank of america in 2013 for {$300.00}, a while after I closed out my account. Later the bank said I owed them XXXX when I only had a limit of the {$300.00} I put in ( my line of credit ). Later they reduced it back to XXXX. I opened the account with the explanation that the {$300.00} I put in was my limit. When I reached the limit I could not use the car until I put another XXXX in. The bank is now saying I owe them XXXX and keep reporting it on my report with no data displayed and when I call the bank or write them and ask them for proof, since I could only use what I put in, I am told they do not have to provide that to me ( per XXXX ). They are also reporting the dates wrong on the report.
Experian reported that there was a " hard '' credit inquiry from a credit card merchant processing company on XXXX XXXX, XXXX on my personal credit bureau report. That was not for me personally ; it was made in error. I contacted them directly, since they are a credit card merchant processing company, and I am the XXXX Financial Officer of our company, and we have been a client of theirs for over six years. What happened is that back last XXXX XXXX we requested a new Merchant ID for XXXX of our divisions, and I signed off on the applications ( as I always do ) as the XXXX of our company. 

After contacting them, and speaking with our client representative, and later with other staff of them, I found out that someone in their Underwriting Department made an inadvertent mistake, and ran my personal credit report, instead of running a XXXX & XXXX ( or something similar ) on our company. Since I am not an owner of our company, only an officer, they should not have had access to my social security number, and they should not have done a " hard credit '' inquiry on my personal credit report. And they understand that, and have apologized to me. But they did not contact, to the best of my knowledge, Experian, to clear up the matter. 

So, I sent a letter to Experian dated XXXX XXXX, XXXX, and I informed them of this matter, and I asked them to please remove that hard credit inquiry from my credit report. However, they sent me a copy of my credit report back, dated XXXX/XXXX/XXXX, and did not specifically say how they handled it, but it still showed up in the " hard credit inquiry '' section. Somewhere in their documentation they insist that they simply must report all companies that legitimately request a credit report, and it counts as a hard inquiry. And it does not appear to me that they have any intent to do anything about that, regardless of the circumstances. They did not reach out to the credit card merchant processing company, to the best of my knowledge, and thus the issue is probably " resolved '' in their minds, but certainly not in my mind.