WillisBack/dataset-financial-user-claim huggingface dataset:
I get paid on the XXXX and the last day of the month. Should the XXXX fall on a weekend I get paid the last business day before the XXXX. It slipped my mind that I was getting paid on the XXXX thinking Friday was the XXXX and scheduled my pay off on my credit card to come out for the XXXX of XXXX. I understand this was my error. I received an overdraft fee of {$27.00} on a {$35.00} payment that came out of my account one day prior to my pay day. I contacted Key to see about a courtesy as this was my fault but given my tenure of the account and only having a fee waived ( back in XXXX for honestly the SAME error ) they were not willing to waive my fee. I work for the XXXX XXXX at a XXXX  and am very disappointed with the interactions I had. They were not willing to budge one bit on waiving the fee. I understand policy but I do know it is not black and white. There are times you are able to " bend '' the policy and waive a fee or credit ones account in good will. The manager advised they treat all of their customers fairly and would not be removing this fee. I asked her if she could say that each and every customer with key has only ever had ONE fee removed on their account in a 12 month period and she stated she could confidently say yes. Lie. Straight lie. It is very upsetting and disappointing I am even having to take action this far over a {$27.00} fee. If this can not be removed I will be sure to share my experiences and consider closing my account. After over 4 years of service with key and only ever receiving two overdraft fees I am very upset they are not willing to work with.
In XXXX XXXX, Equifax revealed that 143 million individuals had their personal identifying information hacked from mid-May to XXXX. After waiting nearly three months, the hack was revealed to the public. Despite offering a website that allows individuals to determine if their own information was compromised, it now appears that this website does not provide accurate information, instead producing randomly generated answers. For example, entering obvious bogus information such as " Name, XXXX '' gives a prompt that your information may have been compromised. Additionally, Equifax is not-so-subtly guiding users to sign up for free year of credit monitoring ( which requires a phone call to cancel the $ XXXX service after the year is up ) while agreeing to terms and conditions that potentially infringe upon affected consumers ' ability to file lawsuits ( both individually and as a class ). Consumers are being advised to use our free annual reports to verify our current records and dispute any incorrect information ( essentially using up our free report for Equifax 's screw-up ). Will we not be forced to potentially pay for our reports down the road if our identity see if it is indeed stolen? Should Equifax not be compelled to cover these costs and eventualities? Furthermore, most consumers are being advised to add fraud alerts to our credit reports at a minimum. Ideally, consumers should put freezes on all their reports, but that costs money. Again, should n't Equifax be responsible for these costs since this debacle is their making? 

At this point, 143 million consumers have no idea who has their information and how it will be used. Equifax 's process for helping consumers determine if their PII has been compromised is of dubious utility at best. Equifax should be held responsible and correct their massive mistake. We all understand this is all developing very fast, but it seems to me that the priority should be to make these 143 million potential identity-theft victims whole again, however long that may take.
BMW Financial Services is inaccurately reporting a repossession that occurred XX/XX/XXXX. I have spoken with them, written them letters, and XXXX has also called them. At first I thought this was an honest mistake on their part, however, this has gotten worse after I filed a complaint with CFPB XX/XX/XXXX. In fact that lady I spoke with XXXX XXXX brought up the complaint. At this point I believe that they are re-aging the debt in an attempt to collect it. This is in violation of the FCRA. Please see the letters and my credit report that has showed the continue to do this.
To Whom it may concern : I have spent the year trying to fix the inaccurate, incomplete, and unverifiable errors within my account from XXXX. I have called them and told them personal to fix the issue but has not. I have recently send them mails asking to fix the issue. Still no change. The credit bureaus must obey many laws, including the fair credit reporting act ( FCRA ). And according to the FCRA, an item on your report MUST be removed if it is any of the following : I am writing this so XXXX, Equifax, XXXX  can update/correct my personal information on file with their company. 

Please updated my address to : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please updated my name to : XXXX XXXX My only social security number is : XXXX My only and corrects date of birth is : XX/XX/XXXX My only employer is : XXXX  XXXX  I do not wish to have any  telephone number on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA since they are inaccurate. 

Due to this issue of inaccurate information within my account from XXXX  : It has damaged my personal credit score. Accumulated hard inquiries due to inaccurate account info from XXXX. Has provided the wrong name to banks, companies, lenders, when applying for credit.This issue has wasted so much of my time and has effect my business to move forward. Lost time is never found. 

Also while checking my most recent report, i noticed credit inquires that i did not authorized, made by the following companies ; and they were also provided inaccurate, incomplete, and unverifiable information from XXXX when checking my credit.

Company and Inquiry date 1.XXXX/XXXX  & XX/XX/XXXX.

2.XXXX/XXXX  & XX/XX/XXXX 3.XXXX XXXX XXXX & XX/XX/XXXX 4.XXXX XXXX & XX/XX/XXXX 5.XXXX XXXX & XX/XX/XXXX 6.XXXX XXXX & XX/XX/XXXX 7.XXXX  & XX/XX/XXXX I did not authorized anyone employed by the these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 161b and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authoring an inquiry. In the absence of any such documentation bearing my signature, i formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my social security number. 

My contact information is as follows : XXXX XXXX email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX
XXXX hired a third party debt collector for my defaulted debt. The debt collector is XXXX. XXXX is out of my state where I borrowed, so they have farmed it to a network debt collector called Javitch Block. I have worked with Javitch Block for 5 years to repay the debt I defaulted on under the pretenses that there was no interest, and the current debt balance is in the area of {$8000.00}. After not receiving paperwork from the creditor nor Javitch Block for some time, I inquired in XXXX 2015, which ended up in having to go to the XXXX for assistance after many refusals to assist me in getting this information. To date, and after many emails, many letters, certified mail requests, I have not had the debt verified by Javitch Block. This includes their right to collect from me, whom they are an agent for, balance, interest, and other pertinent information I am due under fair debt collection rights. Additionally, not only has the company not verified the balance of this account, but by misrepresenting the balance and interest rate over the phone, they have misplaced nearly {$6000.00} of the debt as the creditor states that money went to interest. I am not in a position where I have paid {$12000.00} and only received half of the credit due to dishonesty. Furthermore, the debt collector, who states they are an agent for XXXX refuses to honor the settlement agreement address in XX/XX/XXXX by XXXX themselves. I have not received a written confirmation that after misleading me for 5 years, that Javitch Block intends to accept a lesser payment on behalf of their client without suing me for failing to meet our initial payment plan. I also have been told by Javitch Block in recording calls that the collection account is in a " holding '' position, and while I can make payments, it is not an active collection. Upon disputing the credit line on my credit files, XXXX states otherwise and continues to post a much larger balance.
Chase not working with us on the vehicle loan. We had fallen behind due to XXXX XXXX  and slow receivables. I had a serious setback due to an inpatient XXXX XXXX crisis. My wife and I both are currently under doctor 's care. Chase had told me if I catch up a few payments I was eligible for an " extension '' on the loan. Then after I made the payments, Chase denied the " extension '' in XXXX of 2018. So they lied to me. They are the only creditor who refuses to work with me on a repayment plan or payment arrangement. When I call them, all they do is bully me and scold me. A supervisor was apathetic to my XXXX XXXX problems, and told me how many times the account had fallen behind, as if my XXXX XXXX problems are not real and just go away when you want them to. This is commonly known as " XXXX XXXX XXXX '', whereby an individual will have sympathy for a XXXX or XXXX patient, but apathy towards someone with a XXXX XXXX issue. I am sure I am not the only borrower they have ever had who fell behind due to illness. I have made payments in good faith when I can, and the account is really not in " serious delinquency '', averaging only about 30 days past due. I may have an opportunity to borrow some money soon to get it caught up, and I have told them that. If they would just work with me and be patient they will get their money. However, they just continue to threaten how they are going to " repo '' the vehicle, which makes no sense, as they will end up with the loss. If this continues, they will leave me no choice other than to seek relief under the US Bankruptcy Code.
I had a casualty experienced on my condo. I recieved money for repairs from my insurance company and procedures on how to have check endorsed by the mortgage company since both of us were on the check. Th casualty occured  XXXX / XXXX /  XXXX  . My initial check recieved from insurance was on  XXXX / XXXX /  XXXX  . I sent the check to be endorsed by my mortgage company after several phone calls to their loss draft department for endorsement procedures. They were supposed to endorse the check and send it back to me.     I sent the check on  XXXX / XXXX /  XXXX   to the mortgage company. They recieved the check, and decided they were not following the correct procedures and decided to send the check back to me since they now said they would have to monitor claim since it was over {$5000.00}. None of this information was revealed to me via previous phone calls with them. I received the check back endorsed it and mailed it to them on  XXXX / XXXX /  XXXX  . They received the check on  XXXX . They then said they still needed to review the claim. At this point work by my contractor was being completed and he needed payment and I had to buy materials. After review and several phone calls the loss draft department said the disbursed funds on  XXXX / XXXX /  XXXX   and that it might take my bank  XXXX   XXXX  up to  72  hours to release funds once they are received. I called   XXXX   XXXX   today  XXXX / XXXX /  XXXX   and they have not received an ach transfer and they do not hold the funds. I have called the mortgage company several times without return phone calls and empty promises and still no funds. They are holding our monies for repairs and creating a hardship to pay my contractor for work performed. They need to be in violation of some sort.     The original benefit from my insurance company was supposed to be under {$10000.00} and I was told to file the under {$10000.00} loss draft procedures
My husband and I are in the process of moving and purchasing a home. In anticipation of this event I pulled our credit to check credit scores. Upon doing so I discovered a defaulted XXXX/XXXX account. Over two weeks ago I submitted a fraud complaint. I then received a response from Experian stating that the creditor verified the account as accurate. I then called XXXX XXXX to discuss the fraud claim. The first person I spoke to said that we could simply pay the claim. NO WAY! I then asked to be transferred to another agent. They said that the process would take 10 to 60 days. We hope to close on a home in less than 60 days. That agent said he would transfer us to the investigator and they would take our information. The final agent said that she could do nothing to help us expedite the process. Please note the following facts : 1. We currently have 3 open accounts with XXXX XXXX. One is paid off with perfect pay ( XXXX XXXX ), the second is XXXX XXXX XXXX with a XXXX balance, charged on monthly and paid off and finally XXXX XXXX  which has a balance on automatic pay and paid perfectly. All three accounts have our current address and correct phone number. 

2. The address used to obtain credit is a home we have not owned since XX/XX/XXXX. We have not lived in that home since XX/XX/XXXX. The account was opened in XX/XX/XXXX. 

3. The first agent I spoke to said that they reject all fraud claims made through the credit bureaus by consumers. 

4. We have never had a late payment or any derogatory credit. 

5. The interest rate on the mortgage will be higher due to lower credit scores. 

6. The agent was in fact not the investigator and she made the following statements : A. There is nobody with more authority than her at the bank B. There is no way to expedite the verification process C. She can not give us the account number in reference D. She can not transfer us to another account manager E. The investigators will not talk to us to help provide information F. Her name was XXXX # XXXX ( probably not correct employee reference # ) G. She wanted us to link our current phone number with the defaulted account! 

The effects of this error will cause thousands of dollars in interest charges and/or possibly lose the house due to delay in processing.
KEY BANK REFUSES TO SEND MY A MONTHLY STATEMENT TO PAY THE LOAN ON TIME. I SET UP AUTO PAY WITH THEM THEY TRANSPOSED MY BANK ROUTING NUMBER AND NEVER CONTACTED ME TO PAY THE BILL. KEY BANK THEN PUT THE LOAN INTO A REPO STATUS. WHEN I CONTACTED THEM THEY REFUSED TO TAKE AN " ACH '' PAYMENT OVER THE PHONE. THEY TOLD ME THAT I HAD TO GO TO A KEY BANK BRANCH WITH CASH OR WIRE IT TO KEY BANK USING A XXXX XXXX WIRE. 

IT TOOK THEM OVER 20 DAYS TO PROCESS THE CASH WIRE HOLDING UP MY SONS COLLEGE LOAN UNTIL I COULD GET CONFERMATION THAT THE LOAN WAS UP TO DATE. I HAVE HAD THE LOAN FOR OVER TEN YEARS. 

ALSO THERE ARE NO LONGER ANY KEY BANK LOCATION IN THE ENTIRE STATE OF XXXX. 

EVERY MONTH I HAVE TO CALL A KEY BANK BRANCH MANAGER IN XXXX AND HAVE HIM LOOK UP MY ACCOUNT AND EMAIL ME A STATEMENT BECAUSE KEY BANK STILL REFUSES TO SEND ME A MONTHLY STATEMENT. I BELIEVE THAT THIS IS DONE ON PURPOSE TO INCREASE LATE FEES FOR THE BANKS. I BELIEVE THAT THIS IS PREDITORY LENDING AND SHOULD BE INVESTIGATED.
In XX/XX/2016, XXXX XXXX charged my XXXX XXXX XXXX XXXX Dollars ( {$2.00} ) without my knowledge and without any basis. The amount was charged but not billed. 

I learned about the charge a few months later. I disputed the charges. XXXX removed the charge immediately, however, XXXX has made two negative reports on my credit report for such XXXX Dollars ( {$2.00} ). 

I tried to have XXXX remove the negative reporting but failed. 

I request XXXX to remove the negative reporting. 

I request penalties be assessed against XXXX for improper and fraudulent charges and for fraudulent negative reporting.
Hello, XXXX XXXX reported to XXXX, Experian, and XXXX that I was 90 days late in my payments in XX/XX/XXXX and 120 days late in XX/XX/XXXX. As evidenced by attached documentation, I was utilizing a general forbearance and my payments were XXXX dollars for the period of XX/XX/XXXX - XX/XX/XXXX. Since there was no payment due for this time period, XXXX XXXX falsely reported late payments.
I subscribe to Experian and on XXXX I received an email from them notifying me that my credit score had decreased to XXXX from XXXX or XXXX points. The agent I spoke with said it was for high revolving credit usage. I saw this on my credit report and it concerns me. My XXXX credit card record shows that this account is paid in full every month and that I have never had to pay any interest on this account. They have this information since they do keep a credit file on me. My bill was due on the XXXX of XXXX for about {$500.00} but I paid the complete balance of {$730.00} earlier on XXXX which is what I do every month. 
Since they have the information of my payment history with this one and only credit card account that I have why would they be so quick to use a term such as high revolving credit usage to drop my score XXXX points? They do n't react as fast to raise a score. Since their credit scoring formulas assume so much in determining scores why would they not assume that I am going to pay in full on or before the due date as I always have in the past. XXXX assumes this because they have raised my credit limit on this card from {$500.00} to {$2500.00} in just the last few months. I want my score left alone when there is really no activity deeming my score be decreased. I think they should be fined when they make this kind of stupid unwarranted decision.
I am Submitting in Writing All My Proper IDENTIFICATION ... .INCLUDING MAIL RECEIVED AT MY ADDRESS. MY CERTIFIED MAIL SENT INTO All XXXX CREDIT BUREAU 'S and the C.F.P.B. In XX/XX/XXXX which I still have the Hard Copies of the Packets with Each Receipt and Verified Signed for by Whom Sent to ALL PARTIES. I had All the Proper Identification etc. needed but I have HAD NO RESPONSE TO ANY Of This Or Any FOLLOW UP. Submitting Again in XX/XX/XXXX all Correspondence needed for My Complaints Filed XX/XX/XXXX & XX/XX/XXXX Including the Proper Identification Needed to Take this SERIOUS..!!! 
Here are the Four COMPLAINT FILE # 's Case Number:XXXX ... ... ... ... ... ... ... .... Case Number:XXXX ... ... .... Case Number:XXXX ... ... ... ... ... ... ... ... 
.... Case Number:XXXX I am Not Allowing this to BE IGNORED AGAIN ... .after 1 1/2 YEAR DILIGENTLY Addressing and to Consume All My Time of Nine Months ... .Enough is Enough. 
I have More than SUBSTANTIATED DOCUMENTS to PROVE INCORRECT REPORTING AS WELL AS FALSIFIED DOCUMENTS of Reporting on MY CREDIT BUREAU FILE. 
If this is Not CORRECTED within the next 2-3 WEEKS, I Have been through so Many 30 DAY INTERVAL of Awaiting Responses for NO CORRECTIONS Being All PROCESSED. 
YOU Leave Me With the Only Other Alternative to Take ALL this to the XXXX XXXX XXXX Who Has Already Expressed Wanting This Information. I AM NOT GOING TO BE TOLD THAT THE SYSTEM Is COMPUTERIZED IN ASSESSING OUR FICO SCORE. 
It Has to BE Programmed by a Human, so When Our Scores are DELETED Due TO INCORRECT REPORTING or FALSE INFORMATION SUBMITTED BY A CREDITOR OR COLLECTION AGENCY and then Explained about how the System does our Scoring, DEDUCTS but Can not ADD It BACK AFTER YOU Have Proven with SUBSTANTIATED DOCUMENTS Incorrect, I am not BUYING THIS CAN NOT .... ADD MY SCORE BACK That Was WRONGFULLY DEDUCTED. THIS IS NOT ONLY UNJUSTIFIABLE but VERY DEMEANING To Any INDIVIDUAL. I EXPECT TO GET MY SCORE REDONE ( XXXX ) not to Receive Some Lame EXCUSE that it Ca n't BE Done ... Then YOU Need to GET THIS PROBLEM CORRECTED TO ADD BACK The SCORES WRONGFULLY DEDUCTED. 
I know I am Speaking and Supporting Other Consumers who have been Unjustifiable Treated the Same Way.
Every year I try to use annual credit report.com and every year it is broken and locks me out of reviewing my data for free from XXXX-XXXX of the agencies. 

I tried to submit a complaint to them, and their site errored out. How convenient!!! 
Totally unacceptable. They ask extremely obscure questions that are almost impossible to know the answers to. If you do n't get these obscure questions right, YOU ARE LOCKED OUT!!!!!! 

Example : Did I open a mortgage account? I am very naive about financial instruments. I have no credit card, no loans, nothing. However, I live in a rent stabilized apartment in XXXX. By law my landlord must put my security deposit in some kind of savings account to accrue interest. Is this a mortgage account? How XXXX should I know? But I have to answer these questions 100 % right OR I AM LOCKED OUT WITHOUT ANY ADDITIONAL CHANCES TO TRY, OR ANY ALTERNATE QUESTIONS. 

Another example : What county did I live in in 2003. Well I was in college then, and I see the county I lived in so I selected it. I was totally unsure this was the right answer as my drivers license and learners permit have never used any address other than the one I have had, and currently have ( 20 years, XXXX apt , remember ). Luckily they were looking for my XXXX county, but if i was wrong. I 'm XXXX out of EASILY getting me free report. 

THIS HAPPENS TO ME EVERY YEAR. WHY DOES THIS SERVICE EVEN EXIST IF IT IS SUCH GARBAGE? 

I am not alone in my complaints : XXXX Do n't worry though, they will totally sell you the report if you cant get it for free. 

XXXX
This company is in violation of the Fair Consumer Protection Act. I have told them that the person they are looking for is not at my number. I have also told them the number they are calling is a cell phone, and that they may not contact this number. They ignored me and continue to call from different numbers. 

Numbers called fromXXXXXXXXXXXXXXXXXXXX
On XX/XX/2017 I used my credit for a temporary deposit on a rental car for XXXX for the amount of {$340.00} and in XX/XX/2017 as well a charge of {$84.00} a total of {$430.00} and the vehicle was returned on XX/XX/2017 and I the i was told my deposit was going to be back in account in 7 days I filled a complaint and a dispute couple of times and I did fax Bank of America the proff that XXXX released the full amount back to my account and Bank of America does not refund back my funds to my credit card so I have been back and forth with Bank of America since XX/XX/2017 and till this date not have a resolution to my money. I have all the case numbers dates names and all of XXXX emails and proff of the credit release and it has all been sent my Bank of America so I desperately please need help on getting back my credit that I XXXX intitiled to.
There is a closed account from XXXX, Account # XXXX on my credit report that doesn't belong to me. This account was opened in XX/XX/2016. It has been disputed by all three credit bureas & XXXX/XXXX. It was resolved & deleted from my credit report but for some reason it keeps reappearing on my TransUnion report with no explanation. I have disputed this again with no luck. I am demanding that XXXX  abide by the FCRA & delete this account from my credit report. It is fraud & damaging to my credit!
I have a dismissed bankruptcy chapter XXXX on my credit report since 2011.. I have asked the credit bureaus to remove it cause its not verified.. I have a letter from the courts stating that they did not verified it .. Experian is using a three party to verify this incorrect info .. I have sent them the letter from the court and still cant get a response
I am writing you to lodge a formal complaint about fees that were charged to my account. The XXXX chargers in the amount of {$35.00} dollars. On XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} for a total of {$200.00}.