WillisBack/dataset-financial-user-claim huggingface dataset:
I have many inquiries on my credit report from XXXX, XXXX, and Experian. I already submitted a dispute with Experian. 

I have a fraudulent alert on my credit report that the only time anyone can run my credit it is someone calls me over the phone to verify it is me doing the inquiry or that I am present at the store with a phone ID and representative calls in to their credit office. All my credit cards that I have acquired have been done with that process. I have asked requested disputes prior and they have been ignored by these XXXX major credit bureaus. They have asked for proof, the proof is on their report with a fraudulent report statement in there on site when you pull my report.
OnXX/XX/XXXX, I got my XXXX statement for my Kohl 's credit card. I noticed there was a {$27.00} late fee. I called since I knew my payment was received on time. There was a mistype when I did my pay through bill pay, {$70.00} was sent instead of {$73.00}. The lady ( I can't find the paper where I had her name ) was very nice and said I have a perfect record with them ( never been late before or anything ) and she would refund the late fee. She then said that would make my minimum amount due {$74.00} instead of the {$100.00} the bill was showing. So on XX/XX/XXXX I sent in a {$75.00} payment. I got my Kohl 's bill today and it shows {$140.00} min payment and a {$37.00} late fee.The amount shown as past due was {$26.00} ( basically the late fee minus the extra {$1.00} I sent in ). I called them back today and got a lady with a VERY heavy accent. Even after getting her to repeat her name I couldn't understand what she said ( it started with a G sound ). I explained what happened last month and what I was told to send in. She proceeds to tell me they can't change the minimum due, I was supposed to pay the entire {$100.00}. She said she can waive the new {$37.00} late fee but I will need to pay the full {$140.00} that is due in XXXX. I explained to her that I have never heard of a company not being able to change the minimum amount due. I work in the XXXX XXXX and know that this can be done. I have had this done one time before with another company that there was a mix up on when they posted my payment so they charged a late fee. When I called them they acknowledged the error and refunded the late fee which adjusted my min due back to what it should have been. I asked to speak to a manager and was told that I could not because they can't change the minimum due either. So because of this, I have to pay double what my usual payment is. Which is causing me to have to adjust my budget and take money from my grocery account to cover this. I have closed my account and will not shop at Kohl 's ever again. I have been a card holder with Kohl 's since 2014. In all the years I have had credit accounts, I have never had a company say they can't adjust the min amount due when they are refunding the late fee. I do not feel I should have to pay the full {$140.00} when I was paying what I was told was the amount due for XX/XX/XXXX.
The debt was on XXXX separate accounts with Citi Bank and have not had payment activity since 2006. XXXX XXXX evidently purchased from Citi Bank and is reporting to the XXXX Credit Bureau 's. I tried to settle and ask for verification from XXXX XXXX but they have not replied the last correspondence was over a year ago. 
I believe the debt is beyond the statue of limitations for collection and reporting to Credit Bueraus. 
I do not thave he complete account numbers on the accounts. Only the first numbers. # 1 acct : XXXX. # 2 acct : XXXX as shown on the credit report. Credit Buerau indicates accounts being disputed by consumer.
I Have Called Honda Financial and advised that this account was opened fraudulently and have made a settlement to have this item removed from credit report as part as my settlement offer. As of now Honda Financial has not done their part of our Settlement.
My XXXX used Bank of America for our business banking. 

We closed the accounts XX/XX/XXXX and paid the accounts in full in person at the branch nearest our XXXX XXXX location. 

Over the years we received a few calls in attempt to collect a debt and asked us for our personal information ( which we assumed was fraud ). 

After the second call from the debt collector I called Bank of America to look up my social security number and they confirmed that we did not have any due balances under my social security number ( in XX/XX/XXXX ). 

Today I called XXXX XXXX XXXX to resolve the issue once more and was informed that they have a due balance of {$11000.00} under my social security number that I do not recognize. 

They have no further information on the money other than they asserted that it is due in full. 

This letter is my formal complaint that I do not recognize this debt and that I will write XXXX XXXX XXXX a letter to cease contacting me about this fraudulent charge.
I am enrolled with XXXX XXXX for biweekly mortgage payments, but this month XX/XX/XXXX my mortgage has not been paid. When I called XXXX XXXX the first time I was told my payment will post to my mortgage company in 2 business days, when this did not happen and I called again I was told the same thing. The third call I was told the same thing so I asked for the supervisor, and asked for my money to be returned to my checking account. I was assured that this will happen in 2 business days and post in my account on XX/XX/XXXX When I did not see the money in my account on this date I called back and was given XX/XX/XXXX as the date when I will get my money. I was on the phone about 45 minutes between holding and being transferred to the supervisor who really did not seem to care. I asked to speak to someone higher up, but I was told that the supervisors were as high as I can go. It is the end XX/XX/XXXXand they have not paid my mortgage or refunded me my money.
American express has frozen all of membership points for no reason at all. I have called several times and they keep telling me it will take 6-8 weeks for someone at corporate to review my account. I believe they have " randomly '' picked me out just because of my XXXX name. I can not find another reason for them doing this.There is no reason that ALL my XXXX membership rewards point should be frozen and this includes all my membership points accumulated, going on for several years now. This should be illegal.
Banks are free to over-charge consumers with astronomical overdraft fees for transactions, particularly when a consumer makes an HONEST effort to make deposits the same day or XXXX3 days prior to cover insufficient funds. 
The FDIC Truth in Lending, Congress or the President of the United States should regulate the overdraft fee. 
America 's big XXXX banks made over {$5.00} billion last year from overdraft fees alone. 
The result is that JPMorgan took in {$1.00} XXXX from customer overdrafts. Bank of America and XXXX XXXX took in {$1.00} XXXX each. 
The CFPB ( Consumer Finance Protection Bureau should consider implementing additional rules on overdrafts. 
Fees on the " regular XXXX '' bank account made up about 4 % of operating revenues for America 's biggest banks last year, according to XXXX XXXX. 
Overdraft fees, which represent approximately 60 % of the fees charged by banks. Only 10 % of the population pays 75 % of the fees, and they tend to be the most economically vulnerable, including our troops, consumers who are between jobs and making effort to cover transactions, and consumers who travel on the road frequently. 
According to data collected by the Federal Deposit Insurance Corporation, overdraft fees collected by big banks are up 6 % from a year ago, the XXXX reports. 
" Over the years, overdraft programs have become a significant source of industry revenues, and a significant reason why many consumers incur negative balances, '' CFPB Director XXXX XXXX said in XXXX. " Too many problems with overdrafts can cause people to give up on the banking system or force them out of it altogether. '' Losing that much money to fees can make it difficult to pay necessary bills and make loan payments, which can end up damaging a person 's credit standing.
I applied for a loan with XXXX XXXX XXXX and learned that multiple inquiries were listed on my record. I have not and did not authorize the companies listed below to extend credit. Please remove the inquiries identified in my file. 

XXXX XXXX XX/XX/XXXX / XXXX Account XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX/XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX
I have submitted letters and FTC letters to XXXX XXXX on several occasions informing them that the stated account do not belong to me. XXXX  XXXX have proceeded to ignore my disputes and complaints. So I need your assistance in getting this matter taken care of.
I have a Lowes card with Synchrony Bank. I set the account up on reoccurring payments on XXXX XXXX, 2015 to pay the balance in full on the payment due date. On XXXX XXXX, I logged in to my account and the payment had not been processed and the put a late charge on my account. Please, someone do something about their fraudulent misleading practices. I will never use the Lowes card again and paid it in full.
About six months ago, I submitted a complaint regarding my Bank of America credit card ( submission number XXXX ). With your help, I was able to resolve the issue within a few weeks ( thank you ). Now, I am in the process of buying a house and my rate is being negatively impacted because Bank of America is saying I had an overdue payment with them. I resolved this issue - I think it it wrong that I am now being penalized for standing up to Bank of America when they had improperly charged me.
Have received phone calls stating that I owe money. Case pending against me. Wanting to meet me in person to serve papers. Calling family and work stating there is a case pending against me. Not disclosing who I owe or how much. Threatening me in messages if I do n't return their call i will be sued. I have never received written papers declaring any of this.. XXXX different phone numbers working together and wanting me to make payment immediately. 

Also said they dealt with a XXXX at XXXX and said I needed to call him for immediate payment or I will be served papers. XXXX and XXXX
PayPal allowed XXXX to withdrew my funds which I did n't authorize. I never received item back and PayPal just took my money fraudulently.
My auto-debt amount was change without my permission. I had agreed to an auto debt amount of {$220.00} for my student loans, and this was taken for 5 years straight. Then it was lowered to {$140.00} with out my consent. When I contacted the company, they informed me that the account had been routinely audited and that my current payment would lead me to overpaying the loan before the loan due date. So they lowered the auto debt amount that i originally sign up for. This caused me to pay more interest on my loan. When I called them to get it changed back and to get a reason, it was extremely difficult and time consuming. Not to mention that the only notice I got was at the bottom of an email, and I did n't catch the change for months.
I applied for, and was approved for a XXXX reward card from Chase on XX/XX/XXXX. After the first month, I got a bill for a small balance, around 33.00 plus the annual fee of XXXX. 

I paid the bill in full, including the XXXX annual fee the day the bill came due. 

On XX/XX/XXXX, I received a letter from Chase informing me that they had closed my account at their discretion. 

After calling them, they informed me that they had closed the account for a 10+ year issue on my credit report from a fraudulent joint account that was taken out in my name that was resolved a long time ago. They refused to reopen my account, return the annual fee that they charged me for a month of 'membership ' and also refused to remove the application and closure on my credit report.
American Express - Credit card charged my annual membership fees for the card that is not activated, I tried to inform their customer support there is not a single transactions and card was not activated at all. 

Credit Card was issued via XXXX XXXX. I honestly did not know or was informed there was membership fees, When the card was approved, I tried to used it for air miles but could not use it since the card was not activated have to wait for 15 days to get the card. I immediately called Amex to cancel the card, As I need miles now, If i can not use the miles now, their credit card is no use to me. AMEX support rep. mentioned card is approved, best would be not to activated.. and trash the card.. which I did and forgot about the issue. After that I never received any mail or statement almost now 12 month.. last week I received the annul membership fees statement.. kind of surprise informed credit co. support, they mentioned not to cancel credit card as it damages the credit. but I went ahead and cancelled the credit card. 

I am told I am still liable for membership fees, irrespective of card active or non-active.
I have been receiving harrassing phone calls at work, home, and on my personal cell phone from a companyh FMR ( Forward Movement Recovery ). Every time they called it was a recording stating my name & they were looking for my whereabouts. AT the end of the recording it says to press 0 to speak to a representative. At that point you're placed on hold & then you are hung up on. Today I called the number back ans spoke to XXXX. AT first he was very friendly & stated that I took out a payday loan from a company called XXXX XXXX  XXXX back in 2014 & I never repaid it. He knew my place of employment, my bank account iformation, and my home address. I asked that something be sent to me in writing and he said that he would once he verified my personal information. He stated that this company has attempted contact me via email and regular mail for years & I have not responded. This is FALSE. I have never taken out a pay day loan. When I told XXXX that this was a scam & that I would be reporting this he became very aggressive and rude. Telling me that I was threatening him & he was no longer willing to send me any documentation about this matter. He said that he has my voice recorded saying that I was refusing to pay & that I was reporting them. I just want this to stop. I have never applied for any such loans nor have I ever received any funds. The person I spoke to was XXXX at FMR XXXX ext XXXX
I am a veteran of the United States XXXX XXXX and due to the worsening of my service connected XXXX I have been unable to work since XXXX 2015. Subsequently I lost a substantial portion of my income and have been unable to afford my mortgage. Wells Fargo have repeatedly refused to work with me they denied me for XXXX different programs for reasons varying I make too much money for one program and not enough for the others in an attempt to displace me from my home and put me on the homeless veteran rolls. I went through Wells Fargo Home Preservation Department as well as reaching out to XXXX to lobby on my behalf and they have rejected all attempts to remedy my situation in favor of repossession. I am currently 2 months behind on my mortgage and am desperately seeking to refinance to a lower interest that would make my payment affordable but Wells Fargo began reporting to the credit bureaus once I was late and my credit score was lowered from a XXXX to a XXXX making it next to impossible to get a lending agency to refinance my loan. In effect they sabotaged my effort to get an affordable payment based on my now permanent XXXX status and VA income in addition to refusing to help me in any way instead advising me on the phone to sign my house over to them or complete a short sell on my home were the only options they gave me. I served my country honorably and deserved better than this please contravene on my behalf that I may have justice and a favorable outcome. I 've worked hard to get my home after a divorce left me bankrupt a few years back, I worked and saved to get my home and I fully intend on keeping it. Thank you for your help.
Using the Navy Federal Credit Union App, I accidentally transferred {$570.00} to the wrong member. The Credit Union has made attempts to contact the member, but has not returned my money. I would like to have the funds returned.
Receiving multiple calls and leaving voice mail to call XXXX XXXX XXXX from Works and Lentz.

I have notified this company I have no collection debts and have notified them in writing to cease and desist as well as filed multiple complaints with CFPB regarding this debt collection company contacting for debts that are not mine.

Multiple Cease and Desist as well as Identity Theft Affadivits have been provided by myself and CFPB as well as all Credit Bureaus.

I am also receiving robo calls from this company and I am on The Do Not Call List.
XX/XX/XXXX I had sent {$410.00} from my bank account using XXXX transfer on XX/XX/XXXX using receivers phone number. The money never received. It is being shown as payment coming in receivers account since last 6 weeks. 

The sending bank confirmed that the XXXX transfer was misdirected and money was deposited into wrong account. 

The sending bank is refusing to to put trace on sent transfer or work with XXXX to get money back. All attempts to get a refund from sending bank are in vain.
XXXX XXXX XX/XX/XXXX this is unauthorized and its affecting me getting credit i never applied for anything
Cash Factory USA keeps calling at my place of work, even though I 've told them that I ca n't receive calls at work and have requested they stop calling my place of work. They have even gone as far as to call my personnel office looking for me.
Someone used my social security to use a XXXX XXXX security service. I have never owned any kind of security system and this is a fraudulent item XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2014 Open {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
My house burned down, I 'm trying to get it rebuilt. I have submitted all the documents that CHFA requested and was told that it would be XXXX5 days for it to go through review. It has now been 1 month and they still have n't gotten through review. They are holding my insurance money which they said was required because they have a vested interest in my property and wanted to be sure my house was rebuilt in a timely manner. I have a contractor and everything set for the rebuild and the only thing holding it up is CHFA. So the timely manner in which they speak must apply to everyone but them. My contractor is waiting for his downpayment so he can begin the work. My question is, why does CHFA not have a time limit in which they are given to process such claims? I am a law abiding, tax paying citizen and think I deserve better from my government, whose salary I pay.
XXXX XXXX XXXX continues to call me despite a written request mailed to them to cease telephone communications. They called my elderly mother in Florida and contacted her repeatedly despite being told they have the wrong number. They continue to call repeatedly very early in the morning. Although the calls are not prior to XXXX EST they are as early as XXXX on a Saturday morning. When I advise the caller that I have submitted a letter requesting communications cease, they state that they are going to continue to call me, that they have received no request. I 'm frustrated with their repeated violations of the Fair Credit Reporting Act. XXXX XXXX XXXX min XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX supervisor Explained that I would like documentation that XXXX owns the debt or purchased from Home Depot. Kept stating we sent two letter. They were initiation letters. Explained repeatedly that anyone can send a letter and requested verification that they own the debt. Stated the letters are system generated and will resend if possible. Threatened to continue collections. XXXX/XXXX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Advised them that I am considering bankruptcy. They asked me for attys name and I informed them I have not retained one. They told me they could not stop calling when I requested them to stop. XXXX/XXXX/XXXX XXXX XXXX XXXX up when I answered XXXX/XXXX/XXXX received a letter XXXX/XXXX/XXXX. XXXX. XXXX ( XXXX XXXX XXXX Spoke with XXXX. Tried to get me to make a payment. Explained considering bankruptcy ask for time to consider options. Said ca n't stop calling and acct will remain in collections. Must send request in writing to stop calling. XXXX ( XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Asked for call back because I was driving. Tried to keep me on the phone. Advised that I could not talk and requested a call back in 10 minutes once I arrive at my destination. They told me that they could not call back at the time requested and would continue to call me XXXX ( XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX hung up XXXX XXXX/XXXX/XXXX XXXX No msg left. I did not answer XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX Friday Morning! XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX Saturday Morning! XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX No msg left XXXX/XXXX/XXXX Called my elderly mother sometime today. She was confused about why they were calling and told them I did n't live there. XXXX/XXXX/XXXX Called my elderly mother in the morning today. Exact time is unknown She told them they had the wrong number. XXXX/XXXX/XXXX Mailed letter to XXXX requesting that they cease making contact via phone. Requested mail contact and provided my address. XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Called my mother in Florida. XXXX XXXX was advised that they had the wrong number. XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Saturday Morning!!! XXXX/XXXX/XXXX XXXX No msg left XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX/XXXX/XXXX XXXX XXXX When I answered there was no one there and no response to my repeated hello 's.
Caliber Home Loans paid property tax that had already been paid. They deducted the funds from my escrow account during a refinance. For 2 months now, I have been making phone calls in an attempt to resolve the matter. A couple of weeks ago Caliber denied receiving a refund check from the county. Caliber recanted when I provided the check number, the amount, and a statement from the county stating the check was cashed. Caliber now admits they owe me the money, however multiple phone calls have resulted in no specific date I will be sent a check. I spoke to a very rude supervisor named XXXX today. He claims he will call me back with a date, however past promises of a phone call by Caliber have resulted in no call back. I believe it is horrible to take a veteran 's money and hold it during this time of the year when many purchases are made. It is a slap in the face to all current and past service members.
I have an outstanding debt with XXXX. I have been making payment arrangements and making payments every pay day, missing one payment at XXXX. It is no longer being attempted for collections in the store but rather from somewhere else. This company calls me 3 times a day, every day, even after I have talked to them and they have verified that I have a promise to pay for the last payment, due on XXXX XXXX. I have told them that they are harassing me and they need to stop calling repeatedly, and they continue to call.
My brother passed away & his mail was forwarded to me. Collection agency ( admittedly ) cross-referenced his name with my address and put one of his debts on my credit report as a collection. I demanded that they remove it, but it is still there as a 'past ' collection. I reported it to the IL AG and she has n't heard anything.
Credit reporting agencies reluctancy to remove negative reports from my credit report, these items were paid in full, and yet the Equifax shows these items as charge-offs. I have attached supporting documentation as proof of payment.