WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX bill pay software is flawed. I have only had this account two months and have gotten charged excessive overdraft fees four times because of their flawed online bill pay software. I was charged overdraft fees of {$33.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. The software does not accurately display outstanding unpaid bill pay payments. The amount of available funds should only reflect what is actually available taking into account bill pay payments that have been added, regardless if they have been cashed or not. I have used other bank bill pay software and have never had this issue. Their bill pay system is set up so customers will not see the correct available funds and then process a bill payment which ends of activating another overdraft fee. Their bill pay software is not intuitive when it comes to outstanding payments that have been done.
On  XXXX , I purchased a   XXXX    XXXX   XXXX  with  XXXX  miles on it with a rebuilt title. I disclosed to USAA that it was rebuilt title. The only reason I bought the vehicle was because they also sold me a  XXXX  mile warranty for the vehicle. I would not have bought the vehicle otherwise.   on  XXXX , I brought it to the dealership there was a sensor that needed to be replaced and should have been covered underneath my warranty. I was told it was not,  XXXX  who owned the warranty said they do not cover rebuilt titles and refunded me the cost of my warranty.   USAA stated they would give their phone associate remedial training, but I am now stuck with a vehicle I do not want because I have no warranty on it. I would not have bought the car if I could not get the  XXXX  mile warranty.
During this XXXX, when I went XXXX XXXX XXXX for car battery which was under warrenty and the auto shop worker confirmed me that it was under warrenty before I move the car to them for exchange this parts. 
However, late I found it was in my credit card bill, amount {$110.00}. XXXX XXXX XXXX XXXX fake on my receipt by put wrong plate number and fabricate charge such for food grocery ... ) immediately and I started to talk to XXXX XXXX, told them the truth, they issued charge back, but then one month late XXXX XXXX re bill to my account, I then went to local office of XXXX, submitted addition support of warrenty sticks by fax .. 
But dispute dept of XXXX XXXX changed my original claim number so that is the trick dishonesty to customer, by doing so the dispute dept guy Pretend not see my evidences a/o disconnected my submitted document Logically, so as result, they pretend not see the solid reasons of mine, And often they disguised not to received my supporting evidence. 
By the way, as I also contacted headquarter of XXXX. on early XXXX A higher lever managed told me they ( XXXX issued credit to me after Knew the auto dept cheating ), I asked XXXX, why change my XXXX number You know what I mean. correction?
The school charged me an extra semester when I was dis enrolled from the school. I was then charged more than I owe
I have a account with XXXX XXXX/ XXXX XXXX , account number XXXXxxx balance is {$9500.00} I'm Requesting this account to be deleted from the credit report based on the repo was not done according to California law. I already contacted a attorney and he said I have a case. so please delete this account from experian and XXXX. XXXX  already deleted this account
I notified TransUnion Credit Bureau several times letting them know that my name was spelled incorrectly. My name is XXXX XXXX, XXXX. They keep showing in their system ( XXXX XXXX, XXXX ) I've sent them a copy of my driver 's license, social security card and a utility bill. I have never applied for credit under any other name. As of today they still don't want to correct my credit report. 

I also sent them a letter requesting that they sent me a copy of my signed authorizations for the recent credit inquiries. They sent me a letter back telling me that my signed authorization is not required in order for them to release a credit report.
On XX/XX/2017, I found a fraudulent inquiry on my XXXX  Credit report. I tried to contact Experian to regarding multiple inquiries that I need to have removed from my credit report. I have contacted them via their website ( which wo n't dispute credit inquries ) and their phone number to no avail. Most times I call the line cuts after the prompt asking me for my SSN. I need Experian to contact me regarding getting my credit report updated.
On XX-XX-2017 I, XXXX XXXX XXXX XXXX, tried to open a new checking account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD. XXXX. I was told that I could not open an account, due to a ChexSystems report containing a file produced by XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX in reference to a Checking account held by myself, mother XXXX XXXX, and wife XXXX XXXX rtn.XXXX acct. ending XXXX. Closed non-sufficient funds X-X-2017 amount {$3700.00} This negative balance was a result of a charge back, reversal of provisional credit, as a result of fraudulent payments to XXXX drawn from the account in my mother 's name. This credit should have never been reversed, because the account was even deemed fraudulent by XXXX and payments were not due by anyone on the account. Furthermore, this should not effect my ability to open an account at another bank, for It did not concern me, my XXXX account, nor my ability to pay back a credit that was not my business even though the credit should have been sustained in the first place.
" CCS '' XXXX XXXX XXXX comes up in my credit report for a fee owed of {$130.00} for XXXX XXXX XXXX XXXX when I left at the end of my policy ( paid up ) and went with another insurance company. I wrote to CCS in a letter dated XX/XX/2018 advising to provide validation of said debt but never received anything back. This is still on my credit report and I would like it resolved/removed as soon as possible.
I received a notification from Gulf Coast Collection Bureau on or about XX/XX/XXXX regarding an alleged debt to an entity called XXXX XXXX. I contacted them in writing advising that I had no knowledge of this debt, asked for validation of same, specifically in the form of any authorization with my signature for this laboratory to perform any services, and in response I received a " statement '' showing my name and address that provides no additional information or, more importantly, my authorization for any work from XXXX.
XXXX XXXX violated their lending practices and I would like to add my name to the pending law suit that has been established. I was told by my school XXXX University, which I attend the XXXX XXXX to utilize XXXX which is now known as XXXX. The school not only misadvise me as well as other students to take other classes that I and other student did not need to take which caused additional finances. During my studies, there where an advisor by the name of XXXX who had misadvise me and other students wrongfully which caused an extra money from the student loans awarded. Nevertheless ; I graduated in 2012 as a XXXX XXXX  with a XXXX   and due to the predatory lending and other unethical practice from XXXX XXXX, high interest, loan information changes and transfers which has been a disservices has yet to receive my degree from the school 's financial aid department. The school has had a hold on my degree for 5 years 3 months now. The unfair and predatory lending has also tarnish my credit report. After reviewing my credit report once again, the loans has been transferred to other companies, the status is unknown, missing and inaccurate reporting. Please help me and others remedy this solution so I am able to restore my credit and get my degree. I had to pay money directly to the financial office in Florida, I hope that I can get a full refund on money the excessive money that I had to spend out due to miss advisement, bad behavioral and illegal violations of the CFPB.
XXXX reported a debt in my name of {$1100.00} to XXXX XXXX XXXX on XX/XX/2017 claiming I had defaulted on a 2 year contract and not paid the first months bill, causing an account disconnection. Contacted XXXX to advise them that i have never had phone service with them. The claimed the debt was valid. When i asked for a copy of the contract that I had supposedly agreed to I was informed that there was no contract and that it was an in store sale. They advised me to contact the local authorities to file a police report for identity theft. The local police would not be able to file anything as there is no paperwork, no phone number, no date when the service was opened, no account number that XXXX would provide. The reason they could not provide it was that I wasn't able to verify any of the information, obviously because I had not opened the account. The only information that I was able to get was that it was sold in a store in Missouri. I live in Virginia, have no relatives or friends in Missouri, and gave no one in Missouri permission to open a phone in my name. Disputed the issue with the XXXX XXXX, and XXXX who all came back and claimed the debt was valid. All agencies claim it meets FCRA requirements.
XXXX is charging us for 4 days rent prior to the move in date for an apartment that we elected not to rent because : 1. Security deposit was tripled during the approval process 2. XXXX reneged on the use of our own washing machine ; the " XXXX '' cycle '' of our washer being critical to the health of our 7 month old, born 3 months premature, 89 days in intensive care, as of the move in date XXXX/XXXX/XXXX. 
3.XXXX required certified checks for security deposit and XXXX months rent, ( impossible to procure prior until Monday, XXXX/XXXX/XXXX ) prior to move in. ( Holiday/Sunday ) 4. Approval to rental application not issued until XXXX/XXXX/XXXX. 
5. Carpet cleaning scheduled XXXX/XXXX/XXXX. 
6. Original move in date was to be XXXX/XXXX/XXXX per XXXX advertisement. Early move in was requested by us, not mandatory.
My name is XXXX XXXX, I am XXXX years old, I am currently a XXXX and employee at XXXX XXXX here in XXXX XXXX, California, I have been a customer at Bank of America since XX/XX/2006 and I think their overdraft fees policy is ripping customers like me off, especially their extended overdraft fees policy which put customers like me in a deeper hole, they have been sued because of their overdraft fees policy and I think me and other customers are being ripped off because of their policy. 

My contact information : XXXX XXXX, Debit Card Number : XXXX Thank You XXXX XXXX
I was a member of the XXXX XXXX XXXX XXXX at XXXX starting in XX/XX/2017 but when I began suffering chronic XXXX XXXX from the XXXX XXXX diagnosed after my enrollment I contacted XXXX XXXX in person requesting refund for the unused 11 1-Hr PT Sessions for {$740.00} explaining that the PT is not suitable for me. I followed-up in person and by email on the refund request writing to the Membership Manager, the PT Manager ( XXXX XXXX ) and the General Manager ( XXXX XXXX ) several times over the next few week weeks. But to no avail at which point I requested my bank to process the refund for services not used by me. As a retaliation I was sent a letter from a Collection Agency on behalf of XXXX XXXX XXXX XXXX at XXXX claiming that I owe {$1600.00} which I paid in advance & in full. There is no contract that stipulates they will not refund for unused sessions especially for health reasons which is all I wanted. 

XXXX XXXX XXXX XXXX at XXXX is a unit of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX Telephone : XXXX
On XX/XX/2018 Equifax received a certified letter Requesting signed documents and or proof of application ( s ), contracts, an or original documentation as well as the right for XXXX to report the following accounts to my credit report ; 1. XXXX XXXX # XXXX 2,  XXXX # XXXX, and 3.XXXX XXXX XXXX XXXX XXXX. Equifax has failed to provide any proof of original documentation containing my signature regarding the accounts listed above. In addition Equifax received a copy of a Police Report which included the accounts in question in regards of being established without my knowledge or consent through identity theft. As per the Fair Credit Reporting Act section 605b states the accounts must be blocked within 4 days of receiving the police report. Equifax has numerous violations in regards of the Fair Credit Reporting Act regarding my disputes by continuing to report these accounts to my credit file.
Recently, I found a collection debit record from Designed Receivable Solution Inc ( XXXX, orignal creditor : XXXX ) on my credit report. I never went there to see a doctor, they must make a mistake. In fact, I know a guy whose name is similar to mine visited there to see a doctor and he also lived at the same place with me. I believe that they had made a mistake. 
So, I require to remove this collection debt from my credit history. 
Thank you.
Th e Credit Agency incorrectly  shows a number of late mortgage charge against our account, in  all about one year of errors in reporting. There were Zero la te charges against our  XXXX  account in  2016.    This is unfair, we attac h two pages, a  XXXX  statement called the " customer account activity statement '' and there are zero lat e charges on this  XXXX   XXXX   XXXX   XXXX     Statement.
We are being gravely harmed by the Credit Agency, as this report is stopping us from    getting a mortgage.     Their delay has cost us a serious increase in price of a house purchase.   Also, an increased payment for 30 years, as interest rates have increased ..   A loss of home enjoyment, because at  XXXX , this lost time is invaluable.     House prices and mortgage interest rates are continuing to increase rapidly in our area of intended purchase.
Chase is reporting an account on my credit report that is a violation of the Fair Credit Reporting Act the Bankruptcy Stay law. I filed bankruptcy on XXXX 2014 but they reported my account as being a Charge Off as of XXXX 2014 and 30 days past due as of XXXX 2014 when they can not due that since they were notified that I filed bankruptcy that finally went through on XXXX 2014. I have tried to dispute this account with them directly and with the credit bureaus to no avail. They are causing my credit score to be even lower as a result of this.
On XXXX XXXX, 2016, USAA bank restricted my access to my bank accounts. The bank subsequently closed my accounts. They told me they sent a check to my address on XXXX XXXX. Over the course of the past 2 months I have spoken with the bank in 29 phone calls. When I spoke to the bank today, the representative told me the bank sent the check to the wrong address. He went on to tell me the bank could not stop payment on the check. He said I would have to wait another 90 days. At that point the bank will issue another check, and mail it to me. 

The bank has approximately {$20000.00} of my money. I need that money. They have held it from me for 2 months. Now they are planning to hold it for another 3 months. Surely, the bank has the ability to cancel the check they sent to the wrong address. They have the ability to mail, wire, or ACH the money to me. They are hiding behind policy and choosing not to return my money to me in a timely manner. Further, since the bank restricted my access to my accounts, they have not provided me monthly account statements.
I request Credit Acceptance to update my account to correctly show that it is a closed account with the terms removed as it is showing I am obligated to pay {$380.00} a month. This account is closed and in collections. I purchased this vehicle in XX/XX/XXXX. I voluntary surrender this vehicle in XX/XX/XXXX. It is showing on my credit report as a closed account with remarks affected by natural disaster as to why I voluntarily surrendered it, and instead of the company removing the terms after reselling it ( which I never recieved the resale information ) this company is reporting monthly on this closed collection account as if I am making monthly payments and that I am not but it shows 67 % debt to income ratio. I have not made a payment nor am I going to. I contacted the lender for them to correct this as its reporting in accurately every single month. This creditor will not assist or correct it and I have contacted my State Attorney General as well.
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/2017 As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
On XX/XX/XXXX, I contacted XXXX XXXX XXXX  in behalf of my husband who authorized me to speak to the creditor regarding an old debt. XXXX XXXX XXXX stated that they have sold the debt to keynote consulting and so I was transferred to keynote consulting and started working with a guy named XXXX. I requested XXXX for a validation of debt because there is a discrepancy between the amount XXXX XXXX XXXX charged off and also the amount the debt collector has on file. The difference is about 1k, XXXX XXXX XXXX charged off at the debt at $ 2600+ and keynote is collection at $ 3600+. XXXX stated that he does not have to provide me anything and so I negotiated a possible settlement not knowing what my rights are. In the next few days, I did my research and realized that I have the right to request a validation of debt. I called XXXX XXXX XXXX to request this and they responded by saying that only Keynote can provide this so I called keynote back today, XX/XX/XXXX and told XXXX that I am still working on the settlement amount but that I am requesting a validation of debt in writing for our records. XXXX states " your rights to request that has passed and I am declining to provide this to you ''. He repeatedly told me that he is not providing me anything and that if he does provide me anything then my husband and I will have to pay the full amount which is fine but I told XXXX I still want the verification of debt to which he replied " No, I am declining that and I am not required to provide you anything ''. I then told XXXX that I will consult n attorney regarding his decline to provide us with a proof of debt and he said " since you said the word attorney I no longe have to speak to you '' and he disconnected the call. My husband has no recollection of this debt and that is why we are asking for the verification of debt. We never received anything from keynote and the amount difference between what XXXX XXXX XXXX charged off and what keynote consulting is collecting is questionable so we were requesting a breakdown of that difference to which Keynote declined to provide. XXXX from keynote consulting said " if you didm't have a lawyer then you would need one now because you said the word attorney and we are now refusing to speak to you about this matter ''. I never told XXXX we hired an attorney, I told him we will consult one and now he is refusing to speak to us about my husband 's debt and only wants to speak to an attorney.
Navient keeps reporting incorrect information to the credit bureaus regarding my accounts, they are adding balances and subtracting balances and reporting incorrect late payments.This is adversely affecting my credit scores! I am in the middle of obtaining financing for a home for me and my children and their frequent updates are detrimental to this process. I have not received notice that I was out of forbearance during the times that the late payments were added to my credit reports. I have disputed with all 3 credit bureaus and Navient. I respectively ask that the lates reported from X/2013-X/2013 be removed immediately and set to current. I contacted Navient about the incorrect reporting and my loans were placed back in forbearance. Also, I want all loans older than 5 years removed off all 3 credit reports, as that is more than the statute of limitations for my state ( FL ). I need this done ASAP, as Navient is doing illegal collecting and reporting practices.
I was hired by a company with a US office in New York and the home office in XXXX as a Purchasing Manager. I bought gift cards from local merchants and sent the to XXXX. The company purchased them from me by routing payments to my credit card. 
Now the gift cards are empty and the company is taking the payments back through XXXX in NY. I 'm now out {$42000.00} on one card and {$72000.00} on the second.
i just became a young adult ( XXXX years of age ), i went to the bank to see if i qualified for a credit card so i could establish my credit score because as of right now i currently have no credit score. something was wrong with their system that day ( wifi ) i didnt get approved. and now as of right now i have 4 hard inquires on my credit report. only 1 of the 4 were authorized with my permisision.
I have disputed Fraudulent information on my Credit Report, however, Credit bureaus still not give me investigation result.
I filed a dispute about 3 accounts ( paid medical bills ) online with Equifax XX/XX/2018. 2 days later I received a notice that my credit score decreased by 47 points from XXXX as of XX/XX/18 to XXXX XX/XX/18 even thought the accounts total of 4 collections were removed from my credit file. As of XX/XX/18 my Equifax score is XXXX. XXXX & XXXX are both XXXX. Nothing else changed on my credit report to cause the score decrease. There's been nothing but improvements to my credit file. I filed the same dispute with the other two bureau 's, XXXX & XXXX, they removed the accounts and both of my scores increased by 10 points as a result. This same has happened to others as I am seeing complains on a XXXX XXXX form.
Trans Union is not responding to investigate numerous fraudulent inquiries in my credit file that were not initiated by me.