WillisBack/dataset-financial-user-claim huggingface dataset:
HelloI submitted a serious claim regarding undisclosed accounting method via case number XXXX to american express on an online chat dated XX/XX/XXXX. The error I caught I had caught 2 years back also but when I called them they confused me with numbers & I am not as confident in math especially when it has to be resolved on the phone. In the chat dated above I caught the same issue again & as review of the copy of my conversation shows ( I can email you ) they admitted to their faulty accounting. In fact I was in a 3 hour chat with at least XXXX managers on that date. Since then I did have other chats for which I kept some copies are are relevant. They tourchered me online many times answering late or asking me to call which I refused to do. I asked for my balance to be suspended which they have & in one online chat they told me they would get back to me by XX/XX/XXXX. I now dont show a chat option on my profile & I refuse to call them due to the high level of stress this has caused me. In the claim number I provided there were several other issues such as cash back, etc which you can see as well. But this accounting which they fudge under some spcial profile where the math adds up where they can see but I can not see makes no sense. In fact they admitted to it. 
The other important claims I submitted to their XXXX since I buy my airline tickets with my Amex was regarding my lost luggage which they should cover up to XXXX but they never respond to the cases I open & sometimes claim they dont have the claim but I do need to recoup all that they promised they give & all that they have taken from me.
I had a HELOC that matured and was unable to make the balloon Payment. I began working with the bank who approved me for a hardship. I was given terms of the new loan and accepted them. The same day I accosted the new terms the bank sent a letter stating they were also tracking my loan for foreclosure. The date of moving me into foreclosure will occur prior to the workout being complete. The bank states they will charge me legal fees and go forward with the foreclosure even though I completed my application and was approved for the new loan. I can not get there loan modification people to call me back. Are banks allowed to dual track while working through the moss mitigation process?
I sent a certified letter to them requesting that they validate this debt because it does not belong to me and they did not respond to me
My husband applied for a loan back in XXXX online and was paid off this past XX/XX/2018. Today I received an email with a new loan offer, We called the number to check it out, the man who answer name is XXXX, I couldn't understand due to his XXXX accent, said he need our acct information to verify it was my husband. He made us confirm my husband information which he emailed us the " loan approval '' form per my request. I asked to speak to a manager who's name was also XXXX advised he was going to deposit XXXX in which at XXXX we needed to go to XXXX and do a money transfer and then by XXXX the would be XXXX in his acct. When unasked him where he received my husband information he said XXXX XXXX. It made no sense to us so we called the bank and changed all passwords. ( They claim to do a digital deposit ) His name is XXXX XXXX and phone is XXXX.
I have spent the past year trying to resolve an issue that has been proven to Equifax that XXXX XXXX has knowingly refused to provide payment history for 3 years of a loan in order to keep negative information on report for more than law allows. 
After several attempts asking Equifax to to provide correct payment history ( or remove from report ) Which should show originally when the payments started being late in XX/XX/XXXX ) requests denied telling me to contact XXXX XXXX Disputes were done online and through telephone. 
Payment history missing shown below. XX/XX/XXXX - XX/XX/XXXX Missing. Equifax will not remove negative information because they say my negative information started in XX/XX/XXXX. 
XXXX XXXX has since updated report stating charge off and also added I made a payment in XX/XX/XXXX which is FALSE Today I spoke with Equifax ( several agents and someone named XXXX XXXX who claimed to be a Supervisor at XXXX XX/XX/XXXX) and stated the issue again. I was told they would not remove the negative information even though there is no payment history provided to prove the negative payments started in XX/XX/XXXX. Was told to contact XXXX XXXX myself and tell them to provide that information. I have also tried several times through the years for them to change from repossession to what it actually was. A Voluntary Surrender. 

Account Name XXXX Account # XXXX Date Opened XX/XX/XXXX Payment Status Bad debt & placed for collection & skip Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX  Monthly Payment Past Due Amount Highest Balance Terms M 69M Responsibility Individual Account Your Statement SETTLEMENT ACCEPTED ON THIS ACCOUNTPAID CHARGE OFF Comments SETTLEMENT ACCEPTED ON THIS ACCOUNTPAID CHARGE OFF FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXXFP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXX XX/XX/XXXXFP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FP No prior payment history shown on report from XX/XX/XXXX until XX/XX/XXXX to avoid  actual drop off date within 7 years. 
Nobody at that company will help
I have been trying for months to get this company to remove it's inquire from my credit report. I did not request a credit card from them, they refuse to submit documentation of proof of an application from me, despite numerous letters sent asking for this proof so that it can be review. I have put alerts on my credit reports since the breach. I want proof from this company that an application was submitted to them, if so then I can use it as proof that my information has been compromised.
Portfolio Recovery Services c ontinues to report incorrect information about me to the  XXXX  credit bureaus which has been detrimental in me obtaining housing. The agency purchased 5 debts under my social security number which were all opened fraudulently. I have letters from the original creditors that they purchased the account from who did the investigation and found I was a victim of identity theft. I forwarded these lette rs to Portfolio but they  have still continued to state my accounts are in the legal department and refuse to contact the original creditor to verify the validity of my claim. The amounts are approx {$7000.00}, {$2200.00}, {$350.00}, {$1200.00} and {$2000.00}. This has been ongoing since  XXXX  of   XXXX  .
I was told by this particular seller that they only used XXXX as a payment. And since it could be used through my bank, I thought it was save. I had no idea that the bank would tell me that since I authorized the payment that it wasnt initially fraud. I dont feel protected at all. I downloaded XXXX, and sent the money and was told by the seller that I would get all the information I needed to get the XXXX home. Shortly after, I was blocked. My bank told me there was nothing they could do. Even with knowing that XXXX is a new scam. Theres nothing the app that tells you to only send to family and friends. I was under the impression that XXXX was created as a save money transaction between sellers and buyers. No customer service number from XXXX, or anything. Out off XXXX bucks.
Navient was supposed to send me documents reguarding the late marked on my credit.They removed them but still have not sent me documents about the removal.I was granted forbearance and deferment from 2008 from Navient.During this process Navient was not allowed to mark my credit late.
Credco ran my credit without my consent they state they have no signature on file but can not remove off my credit score. Hard inquiry on my credit score I want it removed if possible please.
Home Point Financial took over the loan about a year ago. For nine months they did not report my payments to the credit reporting services, so my balance was not going down, even when I made my payments. I complained to XXXX and Home POint Financial started reporting me. Around XX/XX/XXXX they started sending me double statements. One statement would say all is OK and one would say I am late by a month or two. I have never been late and I have proof of payment for every month. My credit scores are between 800 and 850.  Contacting them was nearly impossible. The website does not work. I have attempted to enter it a dozen times, but either it is down or does not recognize me even when I change my password. I believe I was successful one time. Their phone system does not answer, either. Latest time I tried to call them was today, but their recording says they have a system error. I have mailed them letters with proof of payment twice, but gotten no response, or at least no response I can access. Now I got two notices that they have reported me as late on my payment to XXXX, XXXX/XXXX XXXX ( not sure based on what service that is ) and possible others. This company is causing too much worry and work for consumers and should be fixed/shut down. Thank you for your help in advance!
Credit Karma is NOT to be trusted! Requested my free credit report & score & know I have a detailed credit report file because I have paid directly to XXXX in previous years & know they have because they delivered said report. I have struggled tremendously via email trying to give more information in order to get report. Also handed over my phone number as well. The other end was completely uncooperative, sent me dead links, & now I completely distrust the integrity of this company & its proclaimed services. Also searched for corporate contact numbers & XXXX number lead to a voice message referring to website ( dead end ) & the other was invalid. 
Credit Karma XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact Credit Karma Phone Number : ( XXXX ) XXXX Fax Number : Website : XXXX : //www.creditkarma.com Email : Email Credit Karma Executives CEO : XXXX XXXX
Citi gave me a 24 % rate on a Citi double cash card. I called and complained they lowered to 19.25 % only after I complained. My credit score is over 800 on all three bureaus. They punish me with rate because I have no other relationships with them, I know banks do this. They also are refusing to generate an online statement fr XXXX because they told me that I owe noting. I told them I want a statement each month as I thought was required by a credit company to confirm balance and that account is opened. Only after I called did they day they'd mail one and refused to electronically send one. My  statement cut off date is XXXX of each month. Here we are in XXXX on the XXXX and statement and if I didn't chat with they would have never gotten one. I not only want a statement each month I now want paper so they can eat the cost of the postage. I want this rate addressed and explained. I can not keep closing credit cards when they are giving 24 % with an 800 fico.
In or around XX/XX/XXXX, my servicer, Navient, misinformed me in regards to my PSLF qualifying payments. They told me that I was in the correct loan program ( IBR ) to have my loans forgiven after 10 years. I was told I could submit my Employment Certification form at the end of 10 years and that I'd be in good shape. 

Additionally, in XX/XX/XXXX I received an email from Federal Student Aid and under the " What happens next? '' section it states : " It will take several weeks to process your form. If your employment qualifies, your loans will be transferred from your current loan servicer to XXXX XXXX. XXXX XXXX will determine how many qualifying payments you have made and will provide you with an estimated date when your loans may be forgiven. '' The part that further led me to believe I would be in good shape is the last sentence. From their wording payments made to any servicer would be counted by XXXX based on working for a qualified employer, and that I needn't fill out the form until I was hoping to have my loans forgiven. 

In XX/XX/XXXX I moved from XXXX to XXXX XXXX and decided in order to make my life easier I would have my employers in XXXX fill out the ECF. 

Navient should have informed me that I needed to have my loans transferred to XXXX, and that only after I've transferred my loan do my payments count as " qualifying payments ''. Because of their actions I made payments for more than 2 years did not count. If this is not addressed I will be required to pay thousands of dollars more towards my loan, and possibly tens of thousands more in tax liability when the loans are forgiven. I believe they gave me incorrect information as a means of keeping me as their customer.
I stayed at XXXX XXXX XXXX from XX/XX/2018 to XX/XX/2018 for a National Conference for my occupation. The Conference was held at this hotel. 

I had a legitimate bill from the Hotel for {$980.00}. However, they also charged me {$1000.00} for the hotel stay of another conference guest that I have never met or heard of. I know the details of the fraudulent purchase because Wells Fargo reported that to me during their investigation. The hotel would not tell me who the person was who made the purchase. The hotel claims they have an authorization from me for that guest to use my card, which is absolutely untrue. I have seen the documents presented to my card issuer ( Wells Fargo ), and it was merely a receipt for which my card info was used. There is no signature of any kind to accompany the card info, or any kind of form that would give my purchasing power to another person. I was in physical possession of the card the entire time. 

Wells Fargo is not willing to overturn the fraudulent charge in my favor, but there is absolutely no legitimate reason for that decision. 

Please help!
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX/XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX/XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Our mortgage loan with SunTrust was barely 2 months late when the bank representative did not respond to an email I sent with the funds at least 8 hours before the cutoff notice. I still have a record of that email and the communications I had with the SunTrust mortgage bank representative. The end result was that SunTrust then forced us to complete a modification with their own Wholly owned subsidiary XXXX XXXX XXXX bank which forced us into more fees added to our mortgage outstanding loan and a longer time to process it. This scenario set the stage for at least XXXX other modifications later that has now resulted in a house that is under water and a balance that is inaccurate. The original loan amount was {$210000.00} in XXXX and at that time we made a down payment of {$13000.00} As of XXXX we are told that the balance owed is still {$210000.00}
Im disputing this collection because it shows on my XXXX, XXXX, that the debt of Amsher collections service doesnt exist but it shows on my XXXX thats is a debt of mines. It also show that on XXXX my birthday is wrong and XXXX addresses as well
The complaint is in response to a phone call made to Nelnet concerning my request to have inaccurate late payments removed from my credit report. My credit report reflects several late payments XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. During all of those time periods my loans were placed in an Administrative Forbearance meaning that my account should have not only been brought current but also backdated to reflect that. During the phone I was told that such reports could not be removed unless I was in the military. The representative explained that although I am correct the Administrative Forbearance is backdated making those payments current once Nelnet reports to the credit bureaus it could not be corrected. Contrary to these assertions, by failing to update previously reported information, Nelnet is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

I have attached an FTC advisory opinion, which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ).

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer-reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.

Nelnet representatives told me that because the delinquent payments were accurately reported that any subsequently initiated forbearance would not allow for Nelnet to update reports to CRAs to show that the payments were not late and actually in forbearance. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * These inaccuracies are hurting my life in a major way and should be corrected.
I hit a hard time with finances when my husband got into some trouble and was unable to make payments on my loan. After that I forgot about it until I received a phone call today that I was being served with a civil complaint and that the amount was over {$1000.00}. 

I went back and contacted the original lender today and was told that the debt was sold and was given the new debt buyer 's information, which is XXXX XXXX XXXX
I had paid a medical debt, I ask the representative named XXXX if he could send me a statement saying that my debt was paid in full, he 's response was '' yes I will do that, you just have to wait 30 days ". It 's been now more that XXXX moths, I called them several times, and the only thing that he says is that he will send it out. I asked if it was easier he could fax it to me, and he said " yes that will be fine " I gave him the fax #, and until this day nothing has happen.
On XX/XX/2018, I mailed a letter, which I have enclosed as proof, to Factual Data about a hard inquiry they placed on my credit report. You can see in the letter that I wrote them, I asked them for " written proof '' authorizing their agency to view my credit history. In their response, which is also included, they state that, " Factual Data provides credit information from CRA 's to its clients, which are primarily banks, mortgage companies and other lending institutions that have a PERMISSABLE purpose under the Fair Credit Reporting Act to obtain credit information for lending purposes. '' Factual Data, as it's own agency, has no signed proof of me granting any such permission to view my credit history, and its client, XXXX XXXX XXXX XXXX has no such proof of permission from me either. I demand that Factual Data remove any hard inquiries made on my credit report to any of the bureaus, and remove any information they have gathered on me in their files. They are violating my FCRA rights as a consumer, and if these inquiries are not removed, I will bring a law suit against Factual Data for violating my FCRA rights as a consumer.
I bought my XXXX XXXX XXXX in XXXX XXXX for XXXX. I got my car finance through Santander Consumer USA. Ive had my car for XXXX and their still telling me I owe them XXXX for the car. They have been a Nightmare!!! The put insurance on the car that I didnt want and they said they 'll put it at the end of the loan. They 've Repossessed ny car 2 times and Ive gotton it back and they charged me excessive fees. I would like to get my titled to the car but their telling my I still owe XXXX which is more than the car cost. I didnt sign up for a XXXX XXXX XXXX XXXX I cant afford to give them any more money its been XXXX. I deserve my title to my car. 

Thanks in XXXX