WillisBack/dataset-financial-user-claim huggingface dataset:
I had an account with XXXX XXXX that was closed as a paid charge off back in 2007. Recently I acquire another XXXX XXXX card and they are mixing XXXX accounts and adding them as the same XXXX. I have never been late on my XXXX account and the charge off should had been taking off as it is passed the 7 year expiration marked. They are confusing these and this is making it impossible for me to get a mortgage. They need to fix this immediately by removing the old charge-off account. Account # XXXX.
There is an account that myself and my boyfriend opened in XXXX of 2009. We financed furniture and the limit on this revolving account was {$4200.00}. We paid on the account for 3 years paying {$220.00} faithfully every month. When I recently pulled a copy of my credit report, I noticed this account was still reporting a balance of {$8700.00} and was stating that it was charged off. It was actually reporting XXXX different ways amongst the bureaus and this rose suspicions. Just the simple math of {$220.00} X XXXX payments comes to a total of {$8200.00} that was paid for this {$4200.00} in furniture. I 'm having a really hard time understanding how the balance can is now {$8700.00} and no one knows how because they ca n't produce a paper trail. 
When I called Synchrony Bank to request billing statements so that I could review these crazy numbers that where being given as debt owed, I was told that they do n't have any of those records because all they did was buy out GE Money and they were n't given those records. This did n't sound right to me at all so I started doing some digging. When I researched GE Money and Synchrony Bank I realized they had been sued for adding an insurance balance protection plan and I know I was never offered anything of this nature when we had a hardship. I found also that the amount they were charging was 2 % of the principal balance and not knowing whether or not we signed up for this or if we where charged for this and not offered during the time of need is my reason for requesting billing statements and a copy of the signed contract. 
Originally, when I spoke to Synchrony Bank, I was willing to settle the account but again, the numbers did n't add up and to thing that I had already paid double what I borrowed and was possibly charged for something that I was totally unaware of but not able to utilize was very suspicious so I called and canceled the settlement offer agreed upon until documentation could be produced to verify the amount owed more than just someone telling me that is what I owed. 2 % of the balance is {$170.00}. If I was being charged for this insurance that I was unable to utilize, that would explain the balance being so high. That is the only thing that would be of any sort of explanation as to why I owe anything more for this furniture. I am requesting copies of billing statements so that I can better understand why the balance is what it is. I would also like a copy of the signed contract from XXXX XXXX which was done in store.
Equifax is reporting a state tax lien that the state of louisiana says does not belong to me and the state has repeatedly asked equifax to remove as i have been a victim of identity theft, this has been going back and forth since 2009 and the state of louisiana told me to contact the consumer protection agency to have them remove it because all attempts by myself and the state of la has failed please help i am exhausted and it causing me a great hardship and high stress levels to be dealing with this so long
I signed up for this loan without realizing my total payments were going to be {$4200.00} in total on a loan that was for {$600.00}. 
I did n't realize these disclosures until after the fact. This is outrageous. How can a company get away with a 849 % annual percentage rate? This is killing me. I have already paid them {$1000.00} and still have XXXX more payments.
I signed up for a loan forgiveness program with a company named XXXX but somehow XXXX got my information and pretended to be working along side XXXX to keep my student loans in good standing but I found out that this was not true. XXXX serviced my loans all this time for free. The company XXXX   XXXX has been taking XXXX out of my account since XX/XX/2017 and they charged a 1 time setup fee of {$490.00}. They lied the whole time and I never authorized the payments of XXXX a month. When I called to confront them they only agreed to reimburse 3 months of monthly payments even though they admitted that I did not sign a authorization. Since the committed fraud I would like all my money back. The total left is {$1200.00}.
On XX/XX/XXXX, I called Chase to advise them that I expected to have 2 charges on my account through Chase pay at XXXX in XXXX XXXX, one for {$100.00} and one for {$300.00}. I called them to advise them in advance as I understood that there had been fraud problems at XXXX and i wanted to try and minimize the chance of a problem. 

I went to XXXX and made the first charge of {$100.00}. I then tried to make the second charge of {$300.00} and the charge was denied. I called Chase at the store and was advised they had made an appropriate adjustment and I should try to make the charge again. It was denied. As the person I spoke to was still on the phone she advised that she could not fix the problem and she transferred me to a different department. I spoke to that department and they tried to identify who I am by asking me questions from the public record. The questions they asked had nothing to do with anything in my past so they were not able to confirm my identity. They advised that they would contact me within 48 hours but in the meantime I could not use my card. When I returned home there was a message on my phone from Chase, which I am not sure what the timing of that call was. I returned the call but they were still unable to resolve the matter and they would call within 48 hours. I did not receive a call but several days later received a letter from Chase asking me to call. They were not able to get access to my account and advised that they would call in 48 hours.  Today is XX/XX/XXXX it has been 17 days since the initial incident and I still have not received a call from Chase. I called Chase today and was advised that they still could not access my account and they had no further information. 

I do not understand the problem and am only seeking to have whatever the problem on the account is resolved. If they wish to cancel the account, I would be okay with that other than I believe I have earned {$10.00} of cashback rewards which I would like to receive or be credited with. I just find it frustrating that it has taken 17 days to resolve this matter.
I was told I was a cosigner for my brother but I never recieved any proof. Also if that is the case why did the collection agency process a wage attachement through proper procedures for not paying rent. They have his social security number, work place all the information they need to cllect from him instead I was harassed and I recieved no paper work. I am XXXX I have n't worked since XXXX XXXX, 2004 thst is the precise date I was XXXX.
SEARSCREDIT.COM.. log-in easy. But, then tried to redeem almost XXXX rewards points. [ 1 ] Sears dumps its own card holders onto a different web site run by citi.com [ citibank ] ... [ 2 ] Then, impossible no matter which alternative sign-on or verification or new register with THAT website sign up to actually get this Sears-contracted-out website to property acknowledge CORRECT searscard.com info as log-in in order to obtain rewards.
[ 3 ] THAT website repeatedly EITHER WRONGLY says the later-in-process data entered is wrong OR it WRONGLY logs me off even though I did not seek to log of ... [ 4 ] This scam by sears dump-off so it can claim it has nothing to do with the problem is a disgrace. Sears should TAKE RESPONSIBILITY for the citi.com website REPEATEDLY NOT WORKING CORRECTLY. I/we have EARNED these rewards, they are not a gratuitous gift at the whim of Searscard.com. I/we want my/our rewards. [ 4 ] Also, searscard.com 's internal " secure '' e-m does not work either -- - Sears does NOT respond OR it theoretically responds, but its bad IT workers dont allow customers to actually open the reponse " secure '' e-m with SPECIFIC ways to deal with the problem OR simply help us out and order the 2 Sears reward card ( s ) we want [ for {$100.00} and {$25.00} ] ..
XX/XX/2018 My wife and I were shopping mortgage lenders and got a mortgage pre-approval. My credit scores came back XXXX - XXXX, XXXX - XXXX, XXXX - Equifax. The low score from Equifax was attributed to a " serious delinquency '' that they found on my report. This is incorrect as there are no delinquent accounts at all on any of my reports with any credit bureau. 
-- -- -- -- -- -- - XX/XX/2018 I called Equifax to ask what was going on and why was my score low and my report showing " serious delinquency '' when there wasn't one on my report. To explain the score, they said that different credit bureaus use different models for scoring. This is obviously true, but there wouldn't be a 60 point difference between Equifax and the other two bureaus. They stuck to the script about that's the difference. I asked to speak to a supervisor about my " serious delinquency '' and why the file said that. I verified with two different supervisors that there were absolutely no derogatory remarks on my account and they couldn't help me with why the report was saying that. They offered to send me a free paper report to verify for myself. 
-- -- -- -- -- -- - XX/XX/2018 I received the paper report from Equifax and verified that there not only were no " serious delinquency '' on the report, but that there was no negative information at all. Again, a call to Equifax resulted in nothing being done and no fault admitted. Just them continuing to say they weren't sure why it said that and they use different scoring models than the other two bureaus. 
-- -- -- -- -- -- - XX/XX/2018 While checking credit scores from different credit cards and credit monitoring tools, my scores are now XXXX - XXXX, XXXX - XXXX, XXXX - Equifax. There is still a 60 point difference with Equifax and the reason still cited is " serious delinquency '' which I've been unable to get them to verify or remove.
This happened mid XX/XX/ 2018. I either made a payment or Citi auto drafted a payment, something was miscommunicated with XXXX XXXX XXXX  and the payment returned. Citi automatically redrafted the payment and apparently XXXX XXXX XXXX rejected. I woke up to an email that said Citi shut down my account without any notice at all. They didnt give me the opportunity to clear it up even though it was all on them and their communication with XXXX XXXX XXXX. I used this card for absolutely everything it was my only card that had any sort of real limit and has put an incredible amount of stress on my family and I, this was 2 weeks before my son was XXXX.
Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
My SSI check is usually direct deposited on or about the XXXX  of the month ... my XXXX check was deposited early this year because of the holiday. On XX/XX/XXXX, Funds showed as available so I started paying bills. TD Bank hit me with overdraft fees, which I caught almost immediately and called them to ask why they would hold a government check direct deposit that showed as available and hit me with fees? They responded by telling me they saw that that happened, and they would refund the overdraft fees. 
This month, they reordered my charges, held cash deposits, and have charged me a total of 9 overdraft fees ( including a {$35.00} fee on a {$1.00} charge on XX/XX/XXXX ) ... online banking does not show accurate balance for days, there is no notifications of overdrawn account, and my account does not show as overdrawn online. 
Yesterday, XX/XX/XXXX19 ... I checked my balance, determined that it was overdrawn by {$130.00} ( because of 4 overdraft fees ), and deposited {$200.00} with a teller at a TD branch ... I asked if my account now showed a positive balance, I was told yes at XXXX XXXX ... my phone app also showed a positive balance. 
At XXXX XXXX on XX/XX/XXXX, I checked my balance to double check before I made a small purchase, and my balance was XXXX ... I had been hit with 5 more overdraft fees, that were not pending, and that the teller did not see 20 minutes before as pending.

I called TD Bank on the phone and was told 1. It is not their responsibility to alert me to a pending negative balance 2. It is not their responsibility to inform me that I have a negative balance 3. It was  very nice that I banked with them for 15 years, but I was not entitled to a refund because they had given me a " courtesy refund '' the month before ( when they held my direct deposit for 3 days so they could charge me overdraft fees ... which they admitted to ) I informed them that I would be moving my banking to another institution after my direct deposit cleared on XXXX XXXX. I was told " not to threaten them '' I told them this was not a threat, I could simply not afford to bank with an institution that thought robbing me of my XXXX money was acceptable, as long as they weren't caught at it, and it's not a " courtesy '' to give me back my money which you fraudulently took and admitted to taking.
I receive a copy of my credit report and I notice a hard inquiry that is fraudulent, please remove this fraudulent hard inquiry from my credit report. I have a fraud alert in my credit report, I have been a victim of identity theft in the past. I never applied for credit with Carvana, please remove your hard inquiry from my credit report.
We are small business -XXXX XXXX XXXX XXXX-and are attempting to notify about the tactics used by Care credit now XXXX XXXX. 
We have had merchant account with Care credit and for past 20 years since ownership to XXXX XXXX there has been noticeable change in their banking tactics. 
Since beginning of XX/XX/2018 our patients opened accounts with Care Credit - then we had finished treatment they accused us of fraud. We provided Care Credit all signed documents and signed credit card slips but in both cases Care Credit did charge back-this in violation of our merchant agreement! We in good faith did treatment the patients then dont want to pay Care credit and file complaint. We provide all required paperwork Care credit ignores it and does chargeback to appease patients. We are small business and hiring attorney to fight this we would win but financially we can not afford to. We have closed our merchant account with Care Credit -XXXX XXXX . 
They charged our account merchant fees on initial two payments and again merchant fees when they did chargeback! This is theft and we are sure they are doing this to other merchants at behest of unscrupulous Care Credit card holders. We sincerely hope they are shut down and wanted this on the record
In XX/XX/XXXX I consolidated all my student loans with the Department of Education including loans with XXXX  XXXX/XXXX XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX stating that, " Your obligation to repay the loan ( s ) satisfied. '' It further states, " Any inquires concerning consolidation loan ( s ) should be directed to the US Department of Education. '' Nine month later in XX/XX/XXXX, I started to receive bills again from XXXX XXXX. I have spent the last 10 trying to figure out what has happened. My account bounces from collection agency to collection agency and I try to explain what has happened and show them the paper work saying my loans were consolidated. They either ignore the evidence or they disappear and a few months later I get another letter from a different collection agency. I have filled out appeal after appeal and they have all been ignored. My tax return has been taken for approximately the last eight years. Again, I file appeals and they get ignored. Recently, I received two different letters from two different collection agencies dated XX/XX/XXXX and XX/XX/XXXX, both trying to collect this loan. Even if I did owe the money, at this point, I would n't even know who to deal with when multiple companies are trying to collect. I am a single mother and a XXXX. My income is very low and I ca n't afford to hire a lawyer and do n't know where to go to file a complaint or get answers. All the collection agencies that I have dealt with do n't care about what I have to say regarding any consolidation. They just know what they got from XXXX XXXX/XXXX XXXX and just want to collect. If I try to contact XXXX XXXX/XXXX XXXX they wo n't talk to me about it. They always refer me to the collection agencies. I am at loss as to what to do. I still have my loan with the Department of Education and it is currently in good standing and in a forbearance. I do n't know who to turn to and I 'm tired of being threatened with wage garnishments. Please help.
XXXX, XXXX, called my Cell phone, ( no permission given to call cell ) from a blocked number. Showing as " Unavailable ''. Then I said I was still in the 30 day dispute stage and told her the dispute was miscoded insurance claim. she informed me that " you know you owe it. '' Repeated asked from my credit card information, even though I had no verification it was even the collection agency. Then she told me I had the XXXX from XXXX for over a month. ( misrepresentation ). I told her I guarantee you I have not. please verify the date. Then she called me a long time collection problem. How would she know? did she pull my Credit Bureau? or was she just making false statements.
The problem : I negotiated with XXXX to have my debt cancelled and discharged, and we reached an agreement that they would cancel the debt and issue a XXXX and I would claim this as income on my tax returns. XXXX   verified they canceled the account, but is still reporting this account as late each and every month since 2012 even though the debt was cancelled and discharged, I owe them nothing, they won't accept any money, but yet they continue to report on my credit reports that I am 90+ days late EVERY month. This needs to be fixed. I have attached the proof.
Continued calls and voice-mails everyday for a debt that does not belong to anyone in my house. I have called them back and told them they have the wrong number many times but they continue to call.
In XX/XX/XXXX, I was in the midst of a financial crisis, losing my job and having to relocate and downsize. At that time I had a balance of {$1400.00} with XXXX ( XXXX ) and had managed to make payments up until then while suffering an outrageous interest rate of 29.9 %. On XX/XX/XXXX I was attempting to work out a debt relief agreement with XXXX ( hardship application ) and requested a modification based on the amount of extraordinary interest and fees that were being added to my bill. After back and forth FAX communications they denied my request and followed up by transferring my debt to XXXX XXXX XXXX. These people were confusing to say the least, and after trying to negotiate my debt down with them I ended up with XXXX XXXX- and began to get threatening letters and calls from XXXX XXXX XXXX . I see that XXXX XXXX ( Square Two Financial ) is being sued ( many complaints about their tactics ) and that they are a shell corp and they are filing bankruptcy! At one point last year I had worked out a payment plan with them- but they reneged on the terms and reverted to the original debt and payment. I wrote them twice afterwards stating that I was not happy with their disregard of our agreements. Since then they have constantly called me, threatened me and have ignored my letters and correspondences. 

At present I live on social security and odd work when I can. Can there be some help to rectify and end this foul issue on my credit report- after all over the time i had the loan with XXXX I paid thousands of dollars in interest and fees. 

Sincerely, XXXX XXXX
Received a letter on XX/XX/2018 from XXXX XXXX XXXX XXXX trying to collect a debt for {$150.00} with American Express that is in good standing and NOT in default. The account is closed but payments are being made. I believe this company is trying to scam people into thinking their account is in default. I requesting that American Express be contacted so they can confirm my account is in good standing. AmEx would not be sending statements if I was in default.I have attached the last statement from AmEx.
Student loans from multiple college consolidated into Sallie Mae loan which was supposed to be forgiven after XXXX year of being XXXX XXXX but instead they're still trying to collect & I've now been XXXX since XX/XX/2000. My doctors have repeatedly filled out their forms but nothing is done about it. My student loans of {$300.00} are now with interest! XXXX!
Bank of America is using a third party law firm XXXX , XXXX XXXX XXXX, XXXX. to bully and threaten me into foreclosure while not addressing and avoiding issues with my mortgage. I have a contract for sale on my home and have been ignored by Bank of America. Furthermore, the Bank has promised one point of contact which I do not have.
I have tried for seven yrs to get a lower interest rate from Wells Fargo the last time I was helped or screwed was last year I ask for a loan Modification and boy I got one the lady at Wells Fargo told me to take it or move out.She went up on my interest rate and went up on my yrs she added ten yrs to my loan instead a lower interest rate to help me. I was in the area were the states were hit hardest. I was underwater but she had no HEART for anything but Wells Fargo the Government gave them money to help people but they did not I have never seen such XXXX crooks in my life I begged for a lower rate but no we can not help you. I did not qualify for any government programs. But I live in the US and pay taxes in US. It is a shame that they get bailed out and I can not get a lower rate. And XXXX is just as bad they say we can help you we will talk to Wells Fargo but they just let them treat people anyway they want to. The government owns the loan but has no say so about the way Well Fargo treat it customers.They make millions and can not help the people that is hurting.I have really tried for a lower interest for the several yrs and I know they can help me but they want they had rather me move and sell my home and loose money because it is the US government losing the money not Well Fargo. Thank XXXX
I was sent an email from my XXXX Chase bank credit card on XX/XX/XXXX that stated I had a balance of XXXX points and I needed to spend XXXX points by XX/XX/XXXX in order to earn a XXXX companion pass. I quickly spent an additional {$21000.00} dollars to achieve this companion pass goal. when my points did not reset online I called XXXX to inquire about my pass at which time I was told that those points spent after XX/XX/XXXX do not qualify even though I was sent an email stating I was almost there and could reach my companion pass goal if I spent this additional required amount of money prior to XX/XX/XXXX. XXXX is claiming they have no control over what date the billing date resets and that even thought their email stated otherwise the billing date was expired prior to this email being sent to me. I was persuaded in an email that I have I. writing to spend a large sum of money and then denied the promised companion pass. This is absolute fraud.