WillisBack/dataset-financial-user-claim huggingface dataset:
I check my credit back in XXXX and I did n't have any hard inquiries on my credit report and then I logged in XXXX XXXX and now there back on there. I called About them and they would n't remove them and I told them I have n't received anything in writing saying they was putting them back on there. Please help
This bank seems to engage in a deceptive practice with regard to funds availability with deposited checks. I received notice that a deposit made on XX/XX/XXXX would be available in two portions, {$200.00} on XX/XX/XXXX ( next business day ) and the remainder on XX/XX/XXXX ( 2 business days ). This is in accordance with the deposit agreement on the account and not in dispute. However, on XX/XX/XXXX the bank overdrafted my account repeatedly prior to releasing these funds, only to release them immediately after processing the overdraft transfers. The result was a net income ( {$20.00} ) to the bank due to excessive transfer fees against a savings account that were unnecessary due to their mistaken late release of the funds.
I sent letters amount an account that is reporting on my credit report. I sent a letter to US Dept of Education,  to all the addresses they have on my report which is 5 different addresses, requesting a copy of my payment and account history : 1 ). What is the Account Balance? 
2 ). Date Payment was received? 
3 ). Scheduled Payment Amount? 
4 ). Actual Amount Paid? 

I received no response from them.
Upon reviewing my credit report I found that there are numerous transactions from Credit Agencies loan companies and utility companies that are not mine
Upon receiving an updated copy of my Credit Report ( CR ) on XX/XX/XXXX, i noticed a negative item Public Record being report by all 3 Credit Bureaus ( CBs ) including : ( XXXX, Experian and XXXX  ). I wrote the Courthouse about the item being reported on XX/XX/XXXX respectfully requesting their reporting procedures to the CBs pertaining to said item Public Record under my name and SSN. On XX/XX/XXXX i received a letter in response to my inquiry from the Courthouse stating how they do not ever report any such information directly to any of the CBs including : ( XXXX, Experian and XXXX ). XX/XX/XXXX i began the dispute process sending letters to all the CBs reporting this item Public Record on my CR under my name and SSN. I requested proper and accurate verification as to what they are reporting regarding this matter, and if no information was provided to be true within 30days or resolved properly I politely requested to have this item Public Record removed from my CR permanently also on this date XX/XX/XXXX i placed a security freeze on my personal consumer profile held by XXXX XXXX and XXXX. On XX/XX/XXXX I received a letter from XXXX  XXXX regarding the Public Record item and their investigation results and in response to my dispute DELETED item from my credit report held by XXXX  XXXX. Now XX/XX/XXXX Experian responded with a letter claiming to have just UPDATED the item Public Record no change to report filing, including no verification letter from any source proving item Public Record being reported as to its correctness and accuracy. Today being XX/XX/XXXX I have yet to hear from XXXX regarding my dispute, its been over the 30 day timetable and newest CR does not show item Public Record in dispute listed. I have proof of signature for original dispute letter sent XX/XX/XXXX through certified mail receipt. I am hoping your involvement will help resolve this matter finally. Not knowing about this negative information for over 1yr has caused a very severe effect on my credit standing and ability to secure & qualify for a VA home loan. Thank you for your time and attention to my situation, sincerely a very hopeful future home owner.
On Saturday, XX/XX/XXXX at XXXXXXXX XXXX I received a citation from a gentlemen my children answered the door and my husband approached him stating that he had a package that required my signature only there was no packaged and provided me with a Justice Court Citation document with Docket Number XXXX issued by TD Bank USA, NA regarding a XXXX  Credit Card. Sending someone to my home was unacceptable and the delivery person said this was in reference to a Debt in front my my daughter and overheard by my brother in law which is a privacy issue. On Monday, XX/XX/XXXX I sent an email to the court advising them that I had received this document that I was being sued by TD Bank and asked them how do I respond as the document stated that I could have a Judgement placed for no response. The court advise the email I sent was valid to serve as my response. I then replied to the court on XX/XX/XXXX requesting information on a payment arrangement or information as to who is handling the account as I am unable to pay the full amount they requested. The advised that they were not allowed to give information and to contact the Attorney. I sent them an email that afternoon at XXXXXXXX XXXX to XXXX requesting the information and received no response. I am only dealing with them in writing and want information as to which debt agency is handling this account so that I can setup payment arrangement to avoid a Judgement as I feel that I have responded to them in a timely manner. In addition, they violated privacy rights by telling me in front of my home where other 3rd parties could hear that this is in reference to a Debt. This is threatening tactics and there are no signatures on this document this is a violation of the Fair Debt Collection Practices Act.
Approximately every XXXX months ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I get a hard credit inquiry from XXXX. I have never authorized this hard credit inquiry and I would like this company to stop making hard credit inquiries.
I submitted a previous complaint approximately 2 weeks ago against Bank of America and there unethical tactics. 
After I filed a complaint # XXXX, I received a Certified letter ( the following week ) from Bank of America on XXXX/XXXX/2016 stating my mortgage was 2 months behind, and that is a lie!!!! Currently, I 'm seeking legal advice from an attorney against Bank of America. This is unprofessional, unethical and morally wrong against someone that pays there mortgage every month!! This seems like retaliation.
I have a credit card with Wells Fargo Bank. Payments are due on th XXXX of each month. I have an automatic bill payment set up with XXXX to occur on the XXXX and arrive by the XXXX. For XXXX months in a row, Wells Fargo has not received/posted my payment until after the due date. Two weeks after the payment generated to them. I beleive Wells Fargo is delaying posting. There is no reason why a bill pay check between XXXX of the biggest banks in the world takes two weeks for delivery. Wells has reversed the XXXX fee when I called them. Im not sure if they will handle the XXXX fee since they told me it was a one time " courtesy ''. They could not explain why the delay, saying only that the posting date was the date of receipt. They encouraged me to have WFB draft the payment against my XXXX account. However, I want the process to work as it has for several years of having this account. Prior payments have never posted this late. 

There seems to be some fraudulent activity here to inappropriately charge customers fees that are not of their doing.
On my transunion credit report XXXX collections were deleted. I notice the deletion on XX/XX/XXXX and today XX/XX/XXXX I noticed they are back on with the same collection agencies.I never received any notice in writing from them to put them back on my report for whatever the reason may be. I called transunion to ask why are these collections reappearing he, XXXX stated something about a composition glitch. I could of misheard him to his strong accent. Than he hung up on me. So I come to you due to major aggravation and no understanding. I want them deleted like they should have been. When did it become ok to take items off and just put them back on and deal with rude csa agents at the bureau? Help Me, please
In order to finish my college education, ( my father had exhausted the 90 % federal loan borrowing amount ) I had to take out a private loan. I 've been repaying my loan since XXXX 2006 with an initial borrowing of {$18000.00}. 11 years later, my loan is still not paid off and still have nearly 10K to go. To date I 've paid {$26000.00} in total. All things considered it would have been easier for me to drop out of college then to have this loan haunt me my entire adult life. Navient has put me through the wringer with customer service with no clear answers. Education is highway robbery.
To Whom It May Concern : On XXXX XXXX, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on XXXX XXXX, 2016 ( see Chase return receipt ). 
Chase did not respond to this letter and initiated dunning calls. 
On or about XXXX XXXX, 2016 Chase in response to a verbal comment, classified the charges as unauthorized and issued provisional credits. 
On XXXX XXXX, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 ) In XXXX XXXX, 2016 Chase called but we were out of the country. 
On XXXX XXXX, 2016 the letters Chase alleged benefit letter-1 and Chase alleged benefit letter-2 were received. 
Between XXXX XXXX, 2016 and XXXX XXXX, XXXX approximately 11 calls were made to Chase regarding this matter. 
On XXXX XXXX, 2016 a letter was sent to Chase ( see Chase executive ) Chase responded I. The initial notice of a billing error was received but did not apply as Chase alleged did not receive fraud letter til XXXX XXXX, 2016 II. Chase policy requires certain form to be completed. 
III. Chase policy required subpoenas for certain information. 

Chase violated 15 U.S. Code 1666 by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 and Chase Notification ) a. Chase is falsely claiming that it was notified of billing error/fraud on XXXX XXXX, 2016 but refuses to provide any evidence to support that claim II. By claiming that the burden of proof is upon the card issuer to prove transactions were authorized ( See Chase Executive ) III. By not providing documentation used to make decision. Chase alleged that there were recorded phone calls that proved authorization occurred, but only providing XXXX copies of receipts. ( See Chase XXXX receipt XXXX and Chase XXXX Receipt XXXX ) a. Chase subsequently provided more receipts, but Chase claimed that a recorded telephone call was the evidence they believe showed that a benefit was received. 
IV. By not providing all evidence required to prove that the charges were valid, despite repeated requests ( See Chase Emails ) a. Chase later provided receipts, but this was not the reason Chase claimed that a benefit was received V. By not complying with US banking laws despite being told explicitly of the violations ( see Chase Emails ) These violations are most egregious as Chase was informed of the violations in writing ( See Chase Executive ) but defended their actions with specious reasoning, claiming that the unauthorized claim occurred later than documented and referring to Chase policy regarding proper forms, which were submitted and Chase legal policy but never addressing the direct violations. 
I believe that Chase should not believe that it can not grossly violate the US Banking laws without recourse.
In XXXX, through XXXX XXXX, I applied for credit at Citi and I was denied. I have never had a late payment. Again in XXXX, XXXX XXXX invites me to apply for a Citi card and I was again denied. Starting to think this is another case of racism. There is absolutely no reason to be denied with a credit score of XXXX and under 23 % usage.
ON XX/XX/2017 MY DAD RECEIVED 11 CALLS ON HIS CELL PHONE WHILE AT WORK! HE RECORDED ALL CALLS. 
FAILED TO VALIDATE AND IGNORED CEASE AND DESIST. 

VIOLATORS OF THE DODD-FRANK ACT FDCPA 11 COUNTS OF T.C.P.A. INFACTIONS FCRA
I owe XXXX for my tuition, I have tried to work with them to resolve this and pay it off. Instead they send my bill to Morris Lockhart and Montgomery in XXXX texas, and now they are threatening to take my XXXX away and get a hold of my employer and have me fired. 

They know what I do for a living, and still they call me while I 'm XXXX ( working ), nearly causing me to wreck on several occasions because I become so perturbed and distraught at the thought of losing my livelihood. 
( Side note : I use a hands free communications device while driving, in the event of an emergency. )
The suntrust HAMP settlement form arrived does n't list the correct amounts due me & my now deceased co-borrower and does n't list a " loan review '' which is necessary as I only missed XXXX payments over the entire life of the loan but have had the loan stretched additional XXXX years and XXXX added to balance due. In the catagories XXXX and XXXX according to settlement letter, are incorrect. Stating I had only XXXX trial periods during my loan modification process, I had XXXX sets of loan documents and XXXX different trials periods over the course of XXXX years, which I made all payments on time. I have all documentation of loan docs, letters, contacts, etc.
I paid {$1200.00} on my credit card. it was not credited to the balance which did not change. as I enquired further, I learned wells fargo would still charge monthly interest on the {$1200.00} I paid for the full month. this is fraud. I discussed this with a banker at wells fargo on XXXX.17 as well as a person-by phone- from XXXX credit casrd
I have an open complaint ( Complaint # XXXX ) where Experian is allowing a creditor, XXXX, to report 4 Fraudulent Accounts with inaccurate information. Experian is allowing XXXX to change the charge-off dates on these Fraudulent Accounts. First, Experian should have already removed these accounts due to them being Fraudulent and not belonging to me. The other credit reporting agencies have rectified the issue ; however, Experian is refusing to correct the issue and delete the Fraudulent accounts from my credit report. Experian has responded back to the open complaint indicating they need more time. I am not understanding why they need more time to correct the issue when documentation has been submitted showing proof. Experian is continuing to allow the creditor to change the charge-off dates which is damaging my credit score by showing these accounts are newly reported and also Re-Aging the Statue of Limitations which is Illegal.
On XX/XX/XXXX at XXXX someone from XXXX called to discuss a debt that was sold to them from XXXX XXXX. I spoke with the young lady and verified the information. I asked her to cease calls and to communicate through mail only. She commenced to rebuttal that she couldnt send anything else through mail because I havent responded to previous mail that has been sent. I asked her to verify the address on file. She refused and abruptly hung up in my face. Today XX/XX/XXXX at XXXX another person from the same company called me again after asking them NOT to call and cease calls yesterday the agent began to argue with me telling me they dont cease calls and hung up abruptly. This is harassment and a violation of the request to cease and communicate through mail.
I 'm showing inquiries on my report that I did not authorize & I have disputed with Equifax who refuses to remove .I have expain to Equifax that I was a victim of fraud.Equifax should understand as they are battling this issues as of today.Federal law requires that Equifax provide mechanisms to ensure that each item on my report actually belongs to me. Please have the following items deleted Equifax Mortgage dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX.
I have disputed the late payments on this XXXX  XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Experian has had 3 accounts in dispute status for over 60 days and have not deleted them and XXXX and XXXX have.
Son ( who is XXXX ) lived at a different address during XXXX of 2014. I am XXXX but we have similar names. 
XXXX is looking for money from him and tuned it over to a debt collector. For the last XXXX to 9 months they call XXXX a day and dont say anything ... .they sent a letter to us 3 weeks ago and i called and explained that this debt is not mine that I am current with XXXX and on Auto-pay. They assured me they would take care of it and promptly dinged my credit. I launched an investigation with all XXXX credit agencies and have filed a complaint against ERC, XXXX XXXX XXXX, XXXX, FL XXXX Phone XXXX, with the Florida ATTY General for Fraudulent reporting to credit agencies.
The company appeared on my credit as SOURCE RECEIVABLES M on XX/XX/2018 and I was not aware of any actions I could take to avoid them to report on my credit. I don't owe any debts to SOURCE RECEIVABLES M and I would like them to be removed from my credit report, so that I can be able to get lines of credit again. The amount that is owed on my credit report is XXXX. Thank you for all your time and support in assisting me with this dispute.
Filed a dispute XX/XX/XXXX for a purchase from XXXX XXXX XXXX XXXX for {$1500.00} which is a partial return from a total of $ 2k+. I asked XXXX XXXX XXXX to return the items as some of the items have arrived late. They gladly accepted the return and provided me with a shipping label. Now, they are saying they never got my items but this was after they sent me an email saying Thanks we have received your items and processing return. I then called XXXX XXXX XXXX  and filed a dispute. Charge was taken off my billing statement at that point and on XX/XX/XXXX I received a letter stating the merchant would not give me a refund because it was returned to the wrong address and they never received it. I then called and sent XXXX XXXX XXXX an email the same day with proof that this merchant provided me a return shipping label, a confirmation from XXXX tracking that it was delivered and a letter from XXXX XXXX XXXX stating they received my items. I called Chase back several times after this to check up on it and they kept saying to wait a couple billing cycles. So I did. Then on XX/XX/XXXX. I received another letter from Chase stating they would not give me my refund as it took too long to dispute. I then tried to call Chase back a few times and they kept telling me there is nothing they can do since the dispute is closed. I feel like they did not put in any effort to back me in this case. What else do i need to do to prove they received my items? I have provided them with all the documents they needed.
There is a judgment on my credit report with docket XXXX for a paid collection with XXXX XXXX XXXX in the amount of {$2500.00}. It shows that this judgment was filed on XXXX and paid on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received one document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed
I do NOT have a Social Security Number, and i can prove it by a oficial document issued by the Social Security Agency, but Transunion INVENTED a fraudulent Social Security Number for my credit file! 
This is causing a Financial Hardship, since every time I try to get credit, Transunion sends a fraud alert to the financial institution, and they are denying credit to me due to this reason. 
I have have already disputed this information more than 5 times and Transunion does n't take action to correct this!
Total Credit Card refuses to provide me with a letter stating my account is paid in full. They are reporting inaccurate information to the credit bureaus regarding the account. They added a comment on my XXXX Credit Report that I did not make the first payment for the card. I paid the initial {$89.00} payment. I also paid {$420.00} via money gram to close out the account. I was told by a representative of the company when requesting inaccurate information to be removed from the report " that 's not going to happen ... ''
There are mistakes appeared in my report. I have never paid late these account ] :   XXXX   XXXX    XXXX  -  XXXX   XXXX    XXXX   -  XXXX   XXXX    XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  -  XXXX
According to my most recent credit rep orts, Navient  has re  ported two student loans ( one federal, one private ) as receiving late payments. This is inaccurate.
According to my reports from all   XXXX    credit reporting agencies, I had two   payments 90 days  late in  XX/XX/XXXX . Ac cording to the Navient service rep and my account history, this reporting was caused by the system marking me  90-days la te a s of  XX/XX/XXXX this  date is less than  six w eeks from my leave from   XXXX     XXXX  University , and marking me again as 90 days late on   XX/XX/XXXX this    date is less than 90 days from the prior reported date and well before the end of the 6 month grace period that should have been in effect after I left  XXXX    XXXX   University i n  XX/XX/XXXX  .     These items did not appear on my credit report until this year, which is odd, since they were not reported at the time of alleged late payment. These items furthermore do not match the records in my Navient history. I have made on time, auto-pay payments consistently since I began repayment and have an otherwise perfect payment record. I am not sure why these are reported as la   te years after the fact. I sent a dispute letter to Navient    on   XX/XX/XXXX  .  Navient responde d that they had investigated and confirmed the accuracy of the report.
The XXXX at Equifax let people take my private info. I do n't know how any company that deals with information in today 's modern age can be so incompetent but they apparently want to be the next enron so I 'll be seeing them in the class action lawsuit!