WillisBack/dataset-financial-user-claim huggingface dataset:
I recently reviewed my credit status due to an attempt to achieve contracts for small business opportunity and I discovered someone has accessed and used my credit without my authorization. Accounts as well as inquiries now appear on my credit as a result, I learned I was impacted by the credit breach within the bureaus and I have filed an identity theft police report under legal advisory of my attorney. Please remove and/or update the following inaccurate information from my report as provided : My current address is XXXX XXXX XXXX . XXXX . XXXX XXXX, WA XXXX. My current employer is XXXX XXXX XXXX, not XXXX ( as it appears currently ). The following accounts are NOT mine, delete- XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX. I have disputed these accounts in the past, even paid them with the intent to get off my report due to hindering business opportunities against advice of my legal team. I did not authorize listed inquiries, please remove from my credit report or be prepared to prove that I did authorize/request them. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
I recently reached out to and spoke to XXXX XXXX, senior specialist for Synchrony, on or around XX/XX/XXXX and she advised that XXXX would be re-opening the dispute I placed on or around spring/summer XXXX. The first fraud claim for I received back from Synchrony stated that the it was denied for the following reason : merchandise was shipped to customer 's verified address. As of XX/XX/XXXX, the claim was reopened and denied again. This time the reason selected for denial are as followed : ( 1 ) customer benefited from use of card/participated in the purchases and ( 2 ) customer accepts responsibility for the charges. If my wallet, credit cards, and license was stolen then of course someone could have easily purchased the my card. For one, the person who stole my wallet had every piece of my information, so I had to get a new ID and put locks on all credit reports. Of course they would have the items mailed to my house and swiped. Also, how does one claim have one reason and the second claim have 2 totally different reasons for denials. It makes no sense at all. Also, I never accepted responsibility for the charges nor did I ever speak to anyone and tell advise them of that since this claim was resubmitted. Back in XXXX a previous neighbor brought a package to my home that had been delivered to their home in error. She said she's been holding it since XXXX or XX/XX/XXXX, because I'm never home when she comes by. After looking at the details of the box it is a table. This XXXX case needs to be reopened and someone needs to tell me what I need to do with this box that was not purchased by me. Also, the box is unopened. I am willing to do whatever is necessary to get this handled in a timely manner and my credit report fixed with the errors.
received numerous phone calls on behalf of XXXX hospital in an attempt to collect a debt owed telling me they were going to take legal actions if i did not pay them
Wells Fargo is not returning calls to my insurance company to rectify my mortgage insurance escrow due. XXXX XXXX and myself have even conference called Wells Fargo and no one is getting back to me or XXXX My monthly insurance escrow increase per state farm is $ XXXX/Mo NOT $ XXXX/mo that Wells Fargo is stating the increase is.
On XX/XX/2018, I received a letter Key Bank advising me they were closing my Checking, Savings and Safe Deposit Box on XX/XX/2018 Key Bank stated the reason for this closure was my account relationship posed excessive risk to the bank, therefore they were closing everything in 30 days. 

I have made every attempt to figure out what was going on. I have never had a returned checked, overdraft on my account nothing. At one point I was depositing over close to {$15000.00} a month into this a account and never had a problem. So this came as a huge surprise. 

I contacted XXXX XXXX XXXX and they finally narrowed it down to a transaction onvXX/XX/2018 : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 

I have the Bank Manager at the local Key Bank near me and was they saw no problems with the transactions that happened on XX/XX/2018. 
The information Key Bank is reporting is completely incorrect and is preventing me from opening another bank account.
My encounter with citizens bank has been horrible. Terrible customer service representatives horrible and very unfriendly people. My account was hacked and I incurred charges that were not mine. I 've yet to be completely compensated for all the of this. I call and call. And get hung up on again and again. I just wanted my account close!
THE LOAN WAS ORIGINALLY TAKEN OUT IN 2005 FOR {$20000.00} I WAS GIVEN DEFERMENT BECAUSE THE SCHOOL ( XXXX XXXX UNIVERSITY ) LOST IT 'S ACCREDITATION AT THE TIME AND I TRANSFERRED SCHOOLS. ONCE I STARTED PAYING ON THE LOAN I WAS GIVEN AN AMOUNT TO PAY AND WAS NOT TOLD IT DID NOT APPLY TO THE PRINCIPAL BALANCE. FAST FORWARD A FEW YEARS, I LOST MY JOB, MY MOTHER TOOK ILL WITH A XXXX XXXX, AND I BECAME XXXX. XXXX XXXX SOLD MY LOAN TO NAVIENT, WITHOUT MY KNOWLEDGE AND I STARTED RECEIVING HARASSING COLLECTION CALLS FROM A COMPANY I NEVER HEARD OF. NAVIENT THEN SOLD MY LOAN TO XXXX XXXX XXXX AND I STARTED PAYING THEM $ XXXX- {$250.00} A MONTH SINCE XXXX 2015. NAVIENT STATED MY ACCOUNT IS CLOSED ON MY CREDIT REPORT AS A CHARGE OFF, BUT THEY ARE STILL REPORTING NEGATIVE ON MY CREDIT REPORTS, WITH FAILURE TO PAY. I AM ACTUALLY PAYING THE NEW CREDITOR FAITHFULLY EVERY MONTH OUT OF MY PERSONAL CHECKING ACCOUNT. I HAVE DISPUTED THIS MANY TIMES WITH ALL 3 CREDIT BUREAUS AND HAVE ASKED NUMEROUS TIMES FOR NAVIENT TO CORRECT THIS INCORRECT INFORMATION. I HAVE SUBMITTED ALL PROOF OF PAYMENT ( EVERY CHECK THAT HAS BEEN PAID THROUGH MY CHECKING ACCOUNT WITH XXXX XXXX XXXX ) ONLY TO HAVE NAVIENT SAY THEY WO N'T REMOVE THE NEGATIVE REMARKS/LATE PAYMENTS, AND THAT THEIR INFORMATION IS CORRECT, WHEN IT IS NOT!!! MY LOAN WAS SOLD TO A COLLECTION AGENCY AND I HAVE BEEN PAYING EVERY MONTH. I HAVE ALSO ASKED NUMEROUS TIMES FOR THEM TO SEND ME MY ORIGINAL LOAN INFORMATION AND THEY HAVE FAILED TO DO SO. THEY ARE REPORTING INCORRECT INFORMATION, WRONG PAYMENT INFO, THE ACCOUNT IS CLOSED THEY SHOULD NO LONGER BE REPORTING ANYTHING, AND THEY ARE REPORTING AN INCORRECT BALANCE.
I was unknowingly signed up for a paypal line of credit in 2005. Paypal was apparently sending invoices to an inactive email address. After I was unknowingly signed up, I was unknowingly caused to use this line of credit during XXXX purchases. I unknowingly accrued interest and late fees until such a time that Paypal sent me a written notice in the mail. When I received the notice in the mail, it was the first time I became aware of the account, the charges and the fees. This must have happened in an underhanded way because I have been a Paypal customer for years and made hundreds of purchases, and never have I authorized or chosen to use anything other than my own credit cards and bank account. I want to join in on the class action lawsuit against Paypal for this illegal action.
my name is XXXX XXXX my telephone number is XXXX my address is XXXX, TX XXXX I 'm complaining about my heart loan that was originally approved with XXXX XXXX XXXX the originator of my loan which was done back in 2005 I completed the process of acquiring A harp loan but my payments have continued to go up regardless of the guidelines that are set is a hard process. XXXX alone servicer made numerous errors in the accounting of my account in regards to figuring the escrow and taxes in which they more than once regarding the right amount of tax to be assessed on my XXXX a {$3000.00} unapplied funds which had to be retroactively corrected after having my loan for less than a year they transferred the loan to Shell point mortgage servicer also increase my payments even while I was under the harp program saying they had the right to ask for an additional {$900.00} to Cushing my loan they have failed to provide me monthly statements they help with failed to return phone calls you 're unwilling to provide documentation is on what they 're doing I 'm filing this complaint in regards to my Shellpoint Mortgage Servicing loan number XXXX. Shell point mortgage servicing address is XXXX XXXX XXXX, XXXX, OH XXXX
XXXX XXXX listed multiple 30 and 60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60 day late  payments from my credit reports.
My Best Buy Credit card ending in XXXX I had closed the account due to reoccurring fraud. ( 6 times ) someone went into several best buy store and looked up my credit account and made large purchases without a physical card. Now I have charges on an account ending in XXXX which was reissued after my this fraud claim even though I told Citi Bank that I wanted the account closed. Citi Bank who is the Best Buy Credit Card issuer told me those accounts were closed but some how someone made another purchase. Seems like this is a Citi Bank Issue. Now I have a balance due {$1600.00} which Citi wants me to make payments on even though non of the balance is mine. I have called them multiple times and its like talking to a tree.
I called Telecheck on Friday XX/XX/XXXX & spoke to XXXX. I explained that we had unplugged our XXXX machine at the close of business on XX/XX/XXXX. At that point we stopped processing check payments electronically the equipment had been returned & our lease had been cancelled & settled. 
I was advised to notify them by fax that I was cancelling our service. The statement I had received indicated that it covered the XX/XX/XXXX through the XX/XX/XXXX billing period. It showed that they intended to withdraw {$10.00} from my bank account on XX/XX/XXXX. Since their services were not utilized in this time frame, I respectfully requested that they cancel this transaction. They did not cancel the transaction and the charge went through for the XX/XX/XXXX cycle although their sevices were not used in XX/XX/XXXX. 
I then received an invoice for the period of XX/XX/XXXX-XX/XX/XXXX. I immediately called and spoke to XXXX. She explained that our cancellation, although submitted and received on XX/XX/XXXX, was not affective for thirty days from submission. She advised that our cancellation order was not applicable until XX/XX/XXXX. I explained to her that their services were not utilized during XX/XX/XXXX and that this is an unethical business practice. I advised that I would be reporting this practice to the Consumer Financial Protection Bureau for their investigation. I then contacted our bank and stopped the withdrawal for payment of this invoice. 
I have now received another invoice for XX/XX/XXXX-XX/XX/XXXX including additional fees. I have mailed a letter to Telecheck advising of what has transpired and that this invoice will not be paid. I have attached copies of the relevant correspondence.
I recently looked at my Wells Fargo credit card account and found the account to be overdrawn. I looked at the statement and tried to figure out why the account was overdrawn but could n't find the reason. So I emailed Wells Fargo customer serviced and received the attached email that was unbelievable at their answer. The letter stated that I was charged a late fee for being two days past due date. I checked my credit card by laws and nothing in the laws stated that I will be charged a late fee for being a few days late. This ban k is already under investigation for unlawful acts.
XXXX lease see attached printout from my US Bank online statement. I authorized XXXX to debit my account {$100.00} which left me just over {$2.00}. POSITIVE. They still charged me {$36.00}. I do not sunderstand how they could charge me if I was positive. I called and asked them to stop the XXXX   payment they said I had to call XXXX. THis did bring me negative and they charged me another {$36.00}. 

THesame thing happened two weeks ago and I had two employees tell me that was a bank error and it happens all the time. They reversed that one. 

I am a single Mom on XXXX. I can not afford this {$72.00} in fees. I am opted out because I do not want to go negative and pay fees.
I paid my car off on XXXX XXXX 2017 with XXXX XXXX XXXX.
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}.
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days.
Somebody please help me im at my wit 's end.
Someone please do something!!!!
I purchased a product from a company and that company never delivered the product. I 've been trying to make a claim with BOA for this fraudulent charge. 
I 've called BOA 3 times and waited more than 30 minutes to make a claim. They are not answering their phones. There is no other way to make a claim with BOA. I 'm out of options and now feel that BOA is assisting in this fraudulent behavior through their business practice of NOT answering phone. I 'm currently on the phone for a 4th time, been transferred and on hold for 20 minutes and counting.
ACS was the servicer for my student loans and I had set up automatic payments. Payments stopped being taken out and I was either provided with no assistance or my calls were not answered. I have not been able to find out the status of my loans or reach ACS. My credit score is now negative because of ACS mismanagement of payments.
THE CREDIT REPORTING AGENCY   XXXX  ,  XXXX   XXXX  AND EQUIFAX WILL NOT INVESTIGATE OR REMOVE THE ACCOUNTS LISTED IN POLICE REPORT OFF MY CREDIT FILE
I have a XXXX XXXX Rewards Visa card, issued by U.S. Bank on XXXX/XXXX/16. I filed a complaint ( # XXXX ) previously with the Consumer Financial Protection Bureau with regard to the incorrect assignment of reward points for XXXX In-Store transactions. Due to a computer programming error, the XXXX transactions were treated as though they were Out-of-Store transactions, resulting in XXXX fewer points earned during the XX/XX/XXXX statement period. The prior complaint has been resolved, and my XXXX 2016 Statement shows a " Rewards Adjustment '' of XXXX points. The Rewards Adjustment notation is listed on the statement, under the heading " Points Earned ''. 

The current complaint addresses a XXXX-point discrepancy regarding the # of Points Earned Year to Date. According to my XXXX 2016 Statement, I have XXXX Points Earned Year to Date. However, the U.S. Bank website shows a different value : XXXX Points Earned Year to Date. 

Let me describe where I see XXXX Points Earned Year to Date. Online, the screen titled " Rewards Center '' contains information about rewards. This information is positioned within a section titled " View and Redeem Rewards ''. Within the section " View and Redeem Rewards '', there is a more specific area titled " Rewards Details ''. It is there -- within the area " Rewards Details '' -- where I see XXXX Points Earned Year to Date. 

By using a simple mathematical calculation -- XXXX points ( on statement ) minus XXXX points ( online ) equals XXXX points -- a person can easily conclude that the XXXX-point discrepancy could be attributed to a computer programming error. Perhaps the computer system that conveys information online was not programmed to recognize a " Rewards Adjustment '' as being equivalent to " Points Earned ''. 

The XXXX-point disparity has an effect on whether I will receive my first XXXX Rewards Certificate. XXXX/U.S. Bank exchange XXXX earned points for XXXX Certificate ( worth {$5.00} ). If XXXX/U.S. Bank rely on the statement-generated computer system to determine if I meet the requirement ( XXXX earned points ), I would receive a Certificate. But, if they use the online-reporting computer system to determine if I meet the requirement, I would not receive a Certificate. 

XXXX/U.S. Bank need to reconcile the XXXX-point disparity as soon as possible. In my opinion, it is inappropriate and misleading to use the same descriptor ( i.e., Points Earned Year to Date ) for XXXX numbers that are not identical ( i.e., XXXX, XXXX ).
I contacted a representative from Trans-union and notified them of credit inquiries that were run on my credit report without my knowledge do to an error with trans-union. The representative was unhelpful in assisting me in removing these unauthorized inquires.
The checking account from which my Wells Fargo credit card was paid from changed and as a result I needed to change my automatic payment detail on their website. I attempted to login and was repeatedly prompted that my information was incorrect ( using credit card, account and social security numbers ). I then tried to call the company and make payments over the phone, however, my card was no longer in the " normal '' card services and was only available for payments during XXXX-XXXX MT. Essentially, I was continually unable to pay the monthly amount because of this and several " referrals to a different agent '' despite sending several messages for the past three months. This has negatively affected my credit score.
Today I received an email from Western Union. The email stated that a {$270.00} transaction failed. This transaction was between a person posed as myself and my mother. The transaction was going to someone in XXXX, but we live in XXXX. I believe my identity was stolen. My ID has been stolen and I believe someone tried to make a transaction with it
I have contacted Exeter Finance LLC about the bill ariving after the due date. 
Some times as much as 15 days late and get told tuff luck pay the bill and penalty. 
They are rude and threatining about it.
Capital One Credit only accepts payments up until XXXX EST to be credited for the same business day or face a late fee. If you live on the west coast you have 3 hours less to pay and may be subject to a late payment as a result. Not everyone lives on the East Coast. It seems plainly unfair that people living in one part of the country should be given an advantage over others, just based on where they choose to live.
My name is XXXX XXXX XXXX and my address is XXXX A XXXX XXXX XXXX, Md XXXX all of the other names and address are wrong and incorrect that appear in my credit reports are wrong.
In XXXX I paid off a XXXX smart option loan in the amount of {$1100.00} to a closed school. The school has been closed since XXXX/XXXX/XXXX. XXXX XXXX I told Navient that I would be able to settle my second private loan that is {$5600.00} in the XX/XX/XXXX. Navient reneged and sent me to XXXX. I agreed to settle for {$2500.00} with XXXX. XXXX bank felt as though that the transaction to XXXX XXXX was fraud and froze my account until XXXX XXXX. XXXX XXXX asked if I can get a third party involved to make payment. My third partys bank is XXXX. When he was getting ready to make the transfer XXXX XXXX acted like they did not want to give him their routing number. In order to do a wire transfer here in the USA you need a routing number for the bank. Two weeks went by and XXXX XXXX contacted my third party again about payment. XXXX broke the law by contacting hmi without my consent. I spoke to XXXX XXXX manager XXXX XXXX and he said he would write a letter to settle the account for a {$0.00} balance.I waited two months contacting XXXX XXXX with no resolution they were ignoring my calls. I contacted NAvient in XXXX XXXX abou this issue. Their escalation deprtment admitted that have had problems with XXXX and I asked them why did they send me to them if they knew that. All year XXXX the escalation deprtment has done nothing to resolve this issue. I contacted the Consumer Advocate group this past fall. They keep saying that the School I still open and that they need a letter from the XXXX. I gave them a letter from the XXXX XXXX XXXX XXXX XXXX, email from XXXX office, XXXX email, and email from XXXX other federal student aid agents. would like a refund for the private loan I paid for to the closed school to be settlement for my second private loan with Navient. Navient refuses stating that the school is open. It is not. I keep uploading pictures, documents to no avail. Even though Ive been in contact with Navient they told me in XXXX that my loan was coming back to them so we can resolve the issue. That was a lie They sent my loa to another collection agency in XXXX with the amount owed of {$7000.00}. That is not right
I have disputed this information several times in the past because the bill had been paid. It keeps showing up on my credit report. Once I dispute the information it stays off for a year or so then it reappears with a different date. This causing me a lot of problems. It not only wrong but it is hurting my chances of obtaining a home. It is XXXX different companies that are doing the same thing. I have contacted the companies and with the same results nothing.
Collection company tried to collect 8 years old debt that I do know I made payments from XX/XX/XXXX to XX/XX/XXXX and since then I never recieved bill or late notice for several years. 

Also I ran credit report and the debt collection is not in credit report which I was under impression it was paid for. 

There was no communication from Debt collector or JC Penny since XX/XX/XXXX until todayI think statue of limitation has passed because it is 8 year old debt and should have been written off as bad debt since I heard nothing for 8 years. Why now?
Went to XXXX XXXX hospital for XXXX XXXX a few weeks later I got the bill in the mail but when I called their billing the repsenative advised me to ignore it that even if I did n't pay my bill they could not report to the credit beaure because they were privately owned. I just checked my credit today XXXX to find they sent my information to a collection agency which is against the law. I wish to have the report from XXXX XXXX to be removed from my credit.