WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, The credit card company closed my credit card, due to a returned check on my checking account in XX/XX/XXXX. I've never made a late payment to my credit card, even after they closed it. Due to the negative balance on my checking account, they reported my credit card to the credit bureau as being charged off for failure to pay and they did not report my credit card payment. My credit card payment was due on XX/XX/XXXX, and I made more than the minimum payment due. I called the company to correct the issue, and they told me they reported it that way since my checking account is charged off. I told them that my checking account and credit card are two separate things and they are reporting incorrect credit card information.
On XX/XX/2018, I received a denial of credit letter from XXXX XXXX. The reason for the denial was listed as : '' we have been unable to resolve a consumer alert you placed for access to your credit bureau report. '' Equifax was the credit bureau listed. I then pulled a copy of my report which showed, " Fraud Victim " Extended Alert '' & File Blocked For Promotional PurposesAlert Contacts 1 Records Found. '' Next I called Equifax to get this removed, answered dozens of questions, and was told it would be removed shortly. On XX/XX/2018, Equifax emailed me that my " dispute had been completed. '' When I clicked the link and entered my information, it says it doesn't match and they can not display my results. I have called seven ( 7 ) times to various phone numbers for Equifax, and been hung on four ( 4 ) times! I finally spoke to " XXXX '' ( spoke with a nearly unintelligible foreign accent ) ( XXXX ) who told me the fraud alert was removed last XXXX, which I know is a lie, since it showed up on the report I pulled on XX/XX/2018. I told him that since this involves a denial of credit the FCRA requires them to provide me a free copy of my report and to resubmit my credit file to anyone who has requested it in the past 6 months, but he refused to comply! 

So, as it stands, I can't access my credit file and neither can my creditors, and Equifax won't do anything to help!
PERFORMANT is notorious for strong-arm collection tactics, including ruining credit reports for non-payment. I do not owe this debt to PERFORMANT. It is a student loan that is current with XXXX. I do n't know why they are trying to collect from me.
I had an agreement with this company to be on a hardship program. Part of this program I was allowed to make smaller payments for a certain amount of time. This company took money from my checking. This was to help me to get me back on my feet and not to damage or impact my credit.
This item has been removed all the way back in 2015 it just popped back up on my report which i have filed a complaint on XXXX they have responded that they will have the information deleted from my credit report and I am asking that you do so.
I purchase a prepaid card from Netspend for XXXX while trying to activate the account I was not able to do so and the check cashing facility who sold me the card do not do refunds on prepaid cards. Upon contacting Netspend I was advised that prior to six years ago a purchase was made on a netspend account in which the charges was in error a provisional credit was given and I advised the representative the account was reconciled to a XXXX balance and I no longer used the card. Upon requesting my money back from Netspend I spoke with a supervisor I requested to the supervisor this was well over six year ago and I was never made aware of any balance due on this account nor was I notify of any past due amounts. I am requesting the return of the money on this separate account and for Net Spend to validate this debt by supplying me with copies of the receipts showing my signature. 
I would like to add this was during a time when I was making funeral arrangements for my mother! for Netspend to withhold my funds from a separate account six years later is of great concern : Also after speaking with the representative and requesting a supervisor I was placed on hold and transfer to another representative by the name of XXXX XXXX XXXX.
XXXX XXXX XXXX is an agency Ive never heard of. They demanded me to provide them with my information in order to release who they are. I wasnt asking for account information, but a brief description of who they are and what they do. I spoke to someone and they told me well, when you are ready to provide your information, then you can call us back and then hung up on me. I called back and took a risk by verifying my birth date and I discovered XXXX   XXXX XXXX located at XXXX XXXX XXXX, AL was a 3rd party collecting for XXXX. This was for a XXXX bill in the amount of {$720.00} for a phone. The next representative was polite enough to talk to. I informed her that I wanted a statement in the mail and would be willing to take care of the balance or work out a payment plan once I received it. It appeared she took what I said personally and said that I am refusing. Her tone of voice changed. She became very cynical and was unprofessional. I am very skeptical with making payments to this company. This is a collection agency and I would like for the phone calls to be monitored to and from my cell number.This way, it will reveal how these representatives talk to people and how they represent their company. I am more than willing to take care of this, but I rather have a statement first before I give my personal banking information to them and that is something they could have verbally said to me in a professional way instead of being impolite and hanging up on me. 

I spoke with XXXX and they recommended that I speak with a manager at XXXX XXXX XXXX. I sent them an email and has yet to receive a response and I have still not received a letter regarding how much I owe. I would like something in writing. 

Once this is resolved I would like to talk to a supervisor to manage my account and work with me on some type of payment plan.
Hello my name is XXXX XXXX, I have disputed a false collection account with all XXXX credit bureaus. XXXX still has n't removed it. the account is from TRIDENT ASSET MANAGE .I am in the process of a home purchase and can not move a long in the process. I have attached a fraud affidavit i filled out. my phone number is XXXX. email address XXXXXXXXXXXX
XXXX XXXX, XXXX I received funds from Delbert Services in the amount of {$2500.00}. I began repayment of the loan XXXX/XXXX/XXXX, with {$330.00} and beginning XXXX/XXXX/XXXX payments decreased to XXXX. I have made timely payments through XXXX XXXX, XXXX totaling {$6400.00}. I 've contacted their office requesting an amortization schedule and loan payoff. The only information received is that t I would have to pay {$2000.00} to satisfy the loan and the final loan date in XX/XX/XXXX. The documents received does not indicate this.
In XXXX 2015 I received a promotional offer for credit card from TD Bank. Despite the fact that, I never missed any loan or credit card payment on time and that I had cash in the bank of about XXXX times the credit card limit, the crdedit card was denied. TD Bank then reported this to the credit agency seriously damaging my credit score. I am now at the point of asking for financling of new home and this action of TD Bank will make my credit more expensive. My request to the Bank for removal of the note from all credit agencies has been answered " the Bank is unable to retract the record ''
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, you remove your unauthorized inquiries from my credit profiles send me confirmation that you have complied with my requests.
I had tried to return a phone in exchange for a new one ... thats all no upgrade etc. ( had it ten 10 days! ) ..the nastiest woman in the XXXX NH store bellowed there is nothing wrong with this phone ... which of coarse there was. I wanted to swap it out before the warantee expired and she wouldnt do it. So I put the phone on the desk and told her you have broken the contract by not repairing or replacing defective phone. We have no contract .She said GOOD LOL.. Recently checked my credit score which was ok and found XXXX sold it to collections. Someone said call verizon which I just did and the abrupt woman said .nothing I can do we sold it. I asked to talk to supervisor and was told there was no need.
My lender is telling me I owe almost {$12000.00} in attorney fees to them and refuses to give me any kind of accounting as to what the charges are for and why the amount is so high.
When my mortgage payments started my loan was sold XXXX and set up for payments with servicing company Wells Fargo. On setup of my payments I chose to have weekly payments for my mortgage for the benefit of paying off the loan earlier..as much as 7 years early ( knowing this from before ) based on a 30 year fixed loan. 

Soon I found out that I am not receiving full benefits of paying off weekly as servicing company is not applying my weekly payments against the principal immediately, instead they hold on to funds and wait until XXXX of every month and then apply it or waits for the 4th payment ( XXXX of the XXXX mentioned ). Therefore, hundreds of dollars every month in interest I pay extra. In this scenario of weekly payments I only receive XXXX of the XXXX benefits that weekly payments should give. 

Knowing how exactly mortgage works and that mortgage interested is compounded daily basis, this " inconvenience how servicer deals with my payments " is costing me NOT paying off my mortgage extra 2 years earlier and close to $ 50k in extra payments during the life the loan. 

I complained about this to Wells Fargo, but their response was simple as " That 's how we operate '' with no further explanation which leads me to initiate this complaint with CFPB.
The company that is handling my loan has hiked up interest rate I have a 26.7 %
Re : Sears Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citibank made a deal to make $ XXXX monthly but they do n't send any statement to show how much owing and to send payment. Instead I am supposed to call XXXX XXXX XXXX, but when I call at least two or three robo phones scrutinize a/c number, ss number and then call goes to XXXX, spending there 10 minutes, and then call comes back to USA. You have to repeat all your info at least 3 or four times, wasting one hour. Citibank should send me statement every month and give me a chance to mail check to them.
SOME UNKNOWN PEOPLE OPENED UP ACCOUNTS IN MY NAME WITH THE COMPANIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT CONSENT. I HAVE ATTACHED A COPY OF MY POLICE REPORT.
I had recently gottten my credit run and pulled by XXXX XXXX and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what WASHINGTON FEDERAL BANK XXXX XXXX BANK had REPORTED to XXXX and to the credit companys. 

As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with Washington Federal Bank or XXXX I have been with XXXX XXXX since 2004 and my home mortgage is also through them and I continued to stay with them. 

I had contacted Washington Federal Bank Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at Washington Federal in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. 

I also went into XXXX and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. 

I am XXXX XXXX XXXX XXXX ( XXXX ) for XXXX as a XXXX XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need Washington Federal Bank and also XXXX to please remove me off their XXXX and also notify XXXX that this is an error on their end.
I had bills coming out on XX/XX/XXXX of about {$500.00} that I wasn't going to be able to cover without depositing more money first. On XX/XX/XXXX, I deposited {$1200.00} knowing that only {$100.00} would be available immediately and that the rest would be posted to my account on XX/XX/XXXX. 

I based all this information from banking history with Fifth Third, as well as relying on the banking app and website that I have used for years and years. I knew exactly what I needed to do so that my account would not go negative. The account never went negative. Yet Fifth Third Bank charged me an overdraft fee of {$74.00}. 

What is even more deceptive ... when you print account detail history, the balances at the end of each day disappear, perhaps it's for privacy reasons. I have a screen shot showing that my account was never negative and that I am being charged {$74.00} for overdrawing. I contacted this bank but they will never respond. They just show you a creative overdraft letter that you need a very open mind to even attempt to follow. No logic is involved. 

This is deceptive ( banking apps and online accounts being misleading as well as overdraft letters that make no sense ), and completely unfair ( {$74.00} overdraft fee without having an negative balance ). 

Please see the attached screen shot that shows my account never being negative, as well as a printout of the same information with hidden account balances ... I wonder why they do it like that?
Spot Loan was charging me interest I did n't expect. I tried to work with them and asked if I could pay off the principal amount with reasonable interest and they refused. Then upon further research I found they were not licensed in Michigan. Now, they are trying to sue me. I requested an {$800.00} loan and they are trying to collect over {$1600.00} from me. Please help me resolve this.
The debt collector for XXXX XXXX bank ( Messerli & Kramer P.A . XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) filed suit in county I used to live ( XXXX County Minnesota ) in order to receive a summary judgement when I could not show for that court hearing ( I now live XXXX miles away from that court in XXXX County, Minnesota ). They are now using that judgement to file harassing annual garnishment notices with my employer. I say harassing because Messeli and Kramer P.A. are well aware of the fact that my income falls under 'protected income ' status ( XXXX and part time employment WELL under the federal minimum standard of $ XXXX/wk ) and they have no reason to believe that my employment status has, is, or will change to any degree which would allow them to collect this debt, which I 've disputed the amount of from the beginning.
I have been disputing this account repeatedly with documentation showing this account does not belong to me. I received notice from Equifax dated XXXX/XXXX/15 under dispute # XXXX stating that the disputed account no longer appeared on my report. I checked my credit file today, XX/XX/2015- and the account is still there.
I opened a credit card with Target through XXXX XXXX in XX/XX/XXXX. I paid off my balance with no late payments or balance carryovers from XX/XX/XXXX-XX/XX/XXXX. 
-In XX/XX/XXXXXXXX  had a huge data breach, and I also had my wallet stolen, and many of my credit cards had fraudulent charges as a result of that theft. 
-I reported the fraud to XXXX, who sent me a new card, and asked for additional information about what charges were not mine- I filled out this paperwork and sent it back to them, in XX/XX/XXXX. I did not continue to make monthly payments once I noticed the fraudulent charges, as accounts should be frozen until dispute is resolved. XXXX did not freeze my account or remove disputed charges- they continued to charge me late fees, docked my account as not paying, and after six months, with no resolution from their fraud department except them confirming I had filed the fraud report and their sending me a new card, they had more than doubled the owed amount, of close to {$900.00}, to {$2400.00} of late fees, interest, and other charges, all incurred during the open fraud dispute. 
- In 2015, XXXX submitted my account, exactly six months from the first 'missed payment, ' to a collection agency and to all major credit bureaus, starting an negative and costly process that has greatly affected my living, transportation, and life choices as a direct result. 
-In XX/XX/XXXX, XXXX filed a civil suit against me for the {$2400.00} debt they claimed I owed. After almost two years of court, XXXX failed to produce the original contract, acknowledge that I had filed fraud, and would not respond to questions about contract violations when fraud was first filed. The court ruling was to dismiss the case, as XXXX  did not have the right to collect the debt from me, meaning that I was NOT responsible for the debt- it was fraud. 
-The case was dismissed XX/XX/XXXX, and as a result the charges should have been removed from my credit history, the delinquent account status should be removed, and an account showing good standing with no charge offs should have been retroactively updated. This did not happen. 
-In XX/XX/XXXX XXXX showed a charge off of {$2400.00}, saying I was delinquent, that I owed this debt, and placing the date of this as the same time they opened the lawsuit, two years prior. This appears on my credit report and still causes me great issues and financial hardship and will show as a negative until XX/XX/XXXX. 
-I filed disputes with all major credit agencies, but XXXX responded with updated information, in XX/XX/XXXX, stating that I was responsible for the charge off, that it was a delinquent account, which is a direct violation of the civil case they had already caused me to endure, and the case they lost. They have maliciously gone against all of my letters and request, violated a court order, and continue to affect my life and finances, ability to get a home, a car load, etc. time from work to go to court, and other stressors and negative impacts.
I began paying for my loan with Wells Fargo this year and it is over {$910.00} a month.i borrowed {$45000.00} and now with interest is over {$90000.00}. I am have a hard time paying the loan each month and Wells Fargo would not take off interest or reduce payments. Its over {$910.00} for 15 years. Please is there any way you can get the balance lowered so the payment will be smaller please?
In XX/XX/XXXX i obtained a loan with Santander Consumer USA. XX/XX/XXXX XXXX XXXX. Purchased for XXXX. Two years later the interest rate is 30 % and i still owe not only the XXXX still but over 24,000k in interest. In two years they say that Ive only paid XXXX toward my note. The interest rate is a rip off. The value of the car in excellent condition is 8-11k. Ive tried to speak with them and continuously get nowhere.
I signed up to dispute my accounts but after multiple attempts Experian 's website just keeps sending you to a page to pat more and it 's to mail in for a report vs dispute what you have online. The phone numbers do n't allow you dispute anything.
I had s medical bill go into collections on XXXX/XXXX/16. I then paid in full {$820.00} and was told it would be removed from my credit. After going back between credit bureau and collection company the collections informed me that they could n't remove that the credit bureau would have to. Collection company even sent me a copy of the collection paid to send over to bureau. Was told after 30 days it would be removed but still hasn't.Other credit bureaus have removed completely but XXXX still has it listed as paid balance XXXX. This is hurting my credit.
I deposited a check for {$7600.00} on XX/XX/XXXX to my business account at US Bank. During that visit I made sure to get the teller to confirm I filled out the check correctly, she confirmed it was fine and that I would have access to the money the next day. XX/XX/XXXX I submitted a transfer from my bank account to pay off my US Bank credit card, which was {$1200.00}. XXXX XX/XX/XXXX I noticed my bank account available balance was - {$1100.00}. I called and was told the USBank XXXX department had put a hold on the funds for an unknown reason and I would n't have access to the funds until XX/XX/XXXX. Today I stopped by the US Bank branch and talked to them, ( the teller had to clear her breakfast from her desk as I approached ) I asked if they could cancel/reverse the payment to my USBank credit card so my checking account would n't be overdrawn. I wanted to only make a minimum payment to keep the credit card account in good standing and not have a negative on my checking account. I also explained the {$7600.00} check had cleared my other account, so why had n't US Bank released the funds for my account. The teller said she did n't know if the credit card payment could be reversed, she would have to call the credit card department. She then went to talk to another teller and came back to say they would not reverse the credit card payment and they would not release the funds for my account. She said they would work with me on fees assessed instead. She never made any calls to the credit card department or anything .... But I guess she was able to get back to that breakfast sandwich.
My name is XXXX XXXX. Because my name is so common, I receive frequent calls from collection agencies seeking other people with the last name XXXX. 

Today I received a call from a company claiming to be called Admin Recovery seeking a XXXX XXXX. They asked about a credit card that I never have had. I advised them that they had the wrong XXXX XXXX. I have received calls about this account before. The person on the line then asked if they could leave a message, I explained that I had no connection to the debt or the individual they were seeking. They provided a date of birth that was not mine. I stated that I wanted to be removed from their calling list, the individual stated that my phone number was listed as a secondary contact and that they would investigate it. This happened around XXXX CST. 

I wish to repeat -- I have a common name, I am not the individual they were seeking, I do not know who they were seeking and they refused to simply remove me from their contact listing.