WillisBack/dataset-financial-user-claim huggingface dataset:
Account was opened with XXXX about XX/XX/XXXX or XX/XX/XXXX & remained open until XX/XX/XXXX with payments being made until that year. I did have an account with that firm but I paid the balance in full. I was unaware of the account until I attempted to finance a car in XX/XX/XXXX & was declined due to the account showing as in collection. I had never been contacted by XXXX or the collection agency ( XXXX XXXX of XXXX XXXX ) until I contacted them in XX/XX/XXXX. Midland was not helpful in providing any details of the debt i.e.what was bought, who paid and/or from what account, addresses etc. I had no way to determine if the debt was mine. Asking for documentation showing signatures, statements or forms of payments that could be used to verify the account as mine I filed disputes with the credit bureaus in XX/XX/XXXX. I got nothing other than they were in compliance with all collection guidelines. 
I tried calling Midland- again, no help-no documents. 
In XX/XX/XXXX I called the fraud department at XXXX. Gave them all the info I had about the account & asked for documentation that would prove the account was mine. I learned the account was opened over the phone-no signatures. Again, while they had more information than Midland there was nothing that really showed me as the active person on the account. I wanted statements, payment sources showing my bank accounts. They were not able to prove to me it was my account. 
They wanted 30 days to investigate & make a decision. On XX/XX/XXXX I had not heard from them so I called the XXXX fraud dept. They told me their records showed it was my account. When I asked what records I got answers like, " I can't access that screen '' or I don't have that. When I asked for specifics like what accounts did the payments come from they did't know. 

I can't go back to XX/XX/XXXX or XX/XX/XXXX to check records. My stance is that I will pay the balance if someone can PROVE to me I owe the balance. To date no one has.
Applied for prepaid card. They took XXXX dollars, never sent the card. I became homeless with service animals during this time and they still kept my money for two weeks. I never ultimately got a card. They never explained why.
Chase closed my account because they decided that they couldnt maintain my account anymore, even tho I have been a loyal customer and pay my bills and if I overdraft I always pay that off in a couple of days or so.
I was issued a mortgage with VanDyk Mortgage in XXXX 2015. In XXXX 2015, I submitted my first mortgage payment and have been submitting on-time payments since. After 3 months, I noticed that my mortgage had not been reported to any credit bureaus, so I contacted VanDyk Mortgage to find out why the mortgage had not been reported and no one could provide an answer. I emailed a representative a written request to have my mortgage reported and it still has not been done. I have made several attempts to rectify this situation and after 9 months, it has still yet to be rectified.
XXXX : XXXX XXXX XXXX XXXX My husband and I purchased the vehicle mentioned above from a 3 party dealeXXXX XXXX XXXX XXXX. XXXX XXXX purchase the vehicle from a auction. 

This vehicle was repossessed from the owner, by the lien holder XXXX XXXX. However, there was a 2nd lien from XXXX. XXXX and XXXX from the XXXX store who stated I would have to pay the loan. I have no associate with the original owner ( XXXX XXXX ). WE NEED TO GET A TAG AND REGISTER THIS VEHICLE FOR OUR DAUGHTER.
I became sick two years ago, and was XXXX for three years, and during that timewe fell behind our Mortgage payments. We obtained help for Hope for Housing, and reached out to our Lender, XXXX for a Loan Modification because our Interest rate is at 8.5 % Our Loan was originated by XXXX XXXX XXXX, a Predatory Mortgage Broker who sold to XXXX and at the time we did not realize it was not a VA Loan, because I am a retired XXXX XXXX Veteran. 
XXXX will no longer communicate with us, except to say that the Loan was transferred to Fay Servicing, who have been reluctant to offer us a Loan Modification saying we did not have enough income. Now comes XXXX and filed a Law Suit adding insult to injury. 
We resubmit with the help of a XXXX Party our request for a Loan Modification, and our Financials clearly shows our combined income of {$3200.00} afford us a Mortgage Payment of {$970.00} which is 31 % according to HAMP Guidelines. I am a XXXX Veteran of XXXX years old and my spouse is also XXXX. I am still under medical care and we want to remain in our home. Fay Servicing is vigorously pushing us to Short Sell.
1. I shopping and compare HELOC product between two banks 2. XXXX XXXX offer XXXX and higher rate and can not compate with XXXX XXXX 3. I inform XXXX XXXX   list as second lien position and reduced loan amount cause I choose XXXX XXXX to be the first lien XXXX with better rate. 
4. XXXX XXXX loan officer aware the XXXX offer {$400000.00} was accepted by me and willing to reduced loan amount and will to accept second lien position. 
4. 4-5 days after closing, XXXX XXXX disapproval closing and accused me to defraud loan and decide to ending and close all bank relationship ( loan and checking account ) Report to credit bureau that I tried to cheat and scheme loan. 
5. I proper disclosure XXXX XXXX to XXXX XXXX loan dept through email and phone, all intake units aware that I used XXXX XXXX as first lien position and bank still disreagrd all fact and prepare me to close loan as they are the first lien position. 
6. due to their neglect & illegal sale stragy, Fraud and claim dept verdict me that I cheat their loan and report to credit bureau I lie on the loan application, My credit score drop from XXXX ... .. and record will stay for 7 years ...
I took out a credit card through synchrony credit company for my XXXX back in 2012. I 've been making my payments around the XXXX of every month through my checking account bill pay program. I never paid much attention until I recently noticed my balance did n't seem to be shrinking. I have never received any statements from the company, so I logged in to their website for the first time two months or so ago and found that on a no interest charge I was being charged interest and all kinds of late fees even when it was paid on the day it was due. I called Sychrony and they refunded a year or so of these charges. So I naturally asked what about the other 3 years that I had been paying on this account, and I was informed that they were not capable of looking that far back and that the statements needed to be mailed out. So I waited patiently for them and they never arrived. Low and behold I start receiving phone calls stating that my {$93.00} payment is now {$230.00}. I called them and informed them that I will not be making any payments until I receive the statements they were supposed to send me. I spoke with a manager that informed me that they have no telephone number for the department that ships out their statements. I found this utterly ridiculous!!! I informed said manager that until I see those statements to see how much I was charged on my no interest credit line I will not make a payment. I 'm having an issue with the fact that the minute I complained about this practice of charging me interest was illegal that they took off almost {$400.00} just for the one year in interest and late fees. I do n't know who else to file a complaint with because I ca n't get anywhere with this company. They admitted they were wrong and refunded me more than {$400.00} for one year. I only owe {$680.00} of remaining balance. I 'm sure I 've paid in more than that in interest and whatever else over the course of those other years. Any help would be greatly appreciated
I submitted an investigation request to Equifax over the summer. Several months have passed, and I still haven't received a response yet. They were supposed to respond within 30 days.
On XX/XX/XXXX, I submitted a credit application on XXXX, authorizing XXXX XXXX XXXX of XXXX, NC to pull my credit report. 

They, in turn, authorized 10 other creditors to pull my credit report without my knowledge or consent, which resulted in 17 hard inquiries on my credit report on two separate days, XX/XX/XXXX and XX/XX/XXXX. By doing this, my credit score dropped 27-33 points and also prevented me from getting credit from other creditors, stating I had way too many inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was also contacted by a financial person at their sister dealership and was told I also needed to do a credit application on their site, XXXX. This caused another inquiry on my credit on XX/XX/XXXX On XX/XX/XXXX I sent letters to XXXX, XXXX, and Experian to open a dispute. They all basically responded the same, saying I needed to contact the individual creditors directly. 

On XX/XX/XXXX I sent letters to all of the creditors and they all basically said the same thing, that they received permission to run my credit from these dealerships, XXXX XXXX XXXX of XXXX, NC and/or XXXX XXXX XXXX XXXX NC. 

On XX/XX/XXXX I had a demand letter drafted and sent to both dealerships by a law firm demanding them to contact the three credit reporting agencies immediately and have these hard inquiries removed. There was no response. 

On XX/XX/XXXX I submitted a complaint to both dealerships to the CFPB. According to CFPB, the company responded that they are not the appropriate company to address your issue.
XXXX XXXX XXXX, balance of {$170.00}. 

Rented XXXX XXXX XXXX. Paid a {$200.00} down payment, then my health insurance ( XXXX ) covered the monthly payments of {$50.00}. The machine was paid off by XXXX. Company is trying to double dip for payment. I owe nothing.
My wife and I re-financed our 1st mortgage and home equity loan with PNC Bank, NA back in XX/XX/XXXX. PNC Bank had sent our one of their 3rd party appraisers to our home. The appraisal came in much too low and they indicated that we could go and get another independent appraisals done on our own. We did just that. Our licensed appraiser came in at {$55000.00} higher than the PNC Bank appraiser. PNC Bank will not accept our appraisal or at least meet us half way between both appraisals, thus we had to take out additional funds onto our home equity loan which in turn interest rate and the amount that we had to place on the HELOC. A recent home in the area just sold for almost exactly what our home appraiser indicated exactly what the price in the area would be. I am disputing the PNC appraisal and would like PNC Bank, NA to accept our appraisal and re-adjust the HELOC so that the funds go back onto the 1st mortgage and the lock in interest rate we have with them and lower the interest rate back to the original HELOC interest rate that we original had before we had to re-fi the HELOC. Both are at 3.5 % interest rate. We has sent numerous letter, e-mails and telephone calls to PNC Bank but they will not do anything about it. Appears to be unethical business practices on the part of XXXX XXXX XXXX XXXX. Thank you.
IN THE MONTH OF  XXXX  I MADE A PAYMENT FOR MY VICTORIA SECRET 'S CREDIT CARD ON THE  XXXX   XXXX ,  2017 OF  WHICH HAPPENED TO BE  XXXX  AND OF WHICH WAS A SUNDAY.     UNFORTUNATELY, THE SYSTEM WOULD NOT ACCEPT MY PAYMENT FOR THE  XXXX  AND THE PAYMENT WAS TO BE APPLIED ON  XXXX   XXXX  , 2017.      FURTHER I HAD NOT RECEIVE MY STATEMENT FOR LAST MONTH OF WHICH A PROBLEM FOR ME.     I CALLED SPOKE WITH  XXXX  REPRESENTATIVE OF  COMNEITY  BANK WHO WAS PLAYING A BARGAINING GAME WITH ME OFFERING TO ISSUE A CREDIT OF {$20.00} OF WHICH I REFUSED BEING I WAS CHARGED {$27.00}. I INFORMED HIM THAT IF I DID NOT GET MY CREDIT OF {$27.00} I WOULD FILE A COMPLAINT WITH THIS AGENCY AND HE LAUGHED AND EVEN WHEN I REQUESTED A SUPERVISOR.     I THEN SPOKE WITH A SUPERVISOR WHOM I EXPLAINED THE WHOLE SITUATION AND SHE APOLOGIZED AND INFORMED SHE WOULD HAVE THE CALL PULLED AS IT WAS RECORDED OF WHICH WAS NOT INFORMED THAT THE CALL WAS BEING RECORDED OF WHICH MADE ME MORE UPSET.     THE SUPERVISOR INFORMED ME SHE WAS GIVING ME CREDIT OF {$27.00}.     I ALSO REQUESTED THAT SHE CHANGE MY DUE DATE FROM THE  XXXX  TO A LATER DATE AND SHE REFUSED STATING THAT COMENITY BANK ONLY ALLOWS  XXXX  DUE CHANGE PER YEAR. IN ALL HONESTY THIS IS WORNG BEING DUE TO SOME FINANCIAL CHANGES ON MY END I NEED TO CHANGE THE DUE DATE SO THAT I WILL NOT HAVE TO INCUR LATE FEES. IF COMENITY BANK REFUSES TO CHANGE THE DUE DATE THEN I WILL NOT BE HELD LIABLE FOR ANY LATE FEES IF I AM LATE WITH MY MONTHLY PAYMENT.
After sending information to verify myself with my disputes ( XX/XX/2018 ), Experian has failed to respond to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS XXXX XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX XXXX  XXXX {$1900.00} not mine
In XXXX I refinanced my mortgage loan with Flagstar with a balance of XXXX around or about in XXXX XXXX to lower my interest rate. After that I got sick at work, I was able to make my payments but got behind about 3 months. But made consistent payments while my loan modification was in process. I was approved in XXXX. But later on in XXXX my payments got behind about 60 days, then I applied for a modification since it was about 30 months since the last one. 
It took from XX/XX/XXXX to XX/XX/XXXX to get my modification, my issue is all the late fees should have been removed from my account during this time but was not and also my balance was XXXX, XXXX when my mortgage was transferred to XXXX XXXX XXXX. When my account was transferred I was still in the process of a modification. In XXXX XXXX my loan was modified and the late fees from 5 months was removed. Flagstar did n't remove the late fees and other charges from the loan prior to transferring the loan. Also, when I contact them for total late fees, other fees, and paper to validate Flagstar refers me to the new lender which only provides credits for the 5 months they had the loan. My loan has had about XXXX paid to my mortgage as I have only been 6 payments behind the entire time. My balance today is incorrect with the new lender. 
The claim I am making is Flagstar has pocketed a great deal of my money for payments to my mortgage account. I need help getting the late payment fee, other fee and misc. fees removed from their records so XXXX can honor the law under the Modification act. Please inquire as to all the fees on my mortgage. Flagstar received payments from XXXX XXXX to XXXX XXXX. My payments were {$1100.00} a month around are about. Now I pay, {$890.00}, because XXXX was deferred by XXXX to after my loan is paid off. I was told this should have already been paid but Flagstar has to credit this to the account under the CFPB lawsuit where they were found breaking the law.
this is regarding the Equifax hack that included my info, confirmed per their website. It is unacceptable that they were hacked and didnt notify the affected personal till month after the fact.
Ive been dealing with an ongoing issue involving discrepancies on my credit reports. I have a closed out account due to a unauthorized credit card. I have never applied for an account with this company nor have I given anyone consent on my behalf.
Transunion continues to report inaccurate information my credit report even after sending them supporting documents. 
For some reason Transunion did not remove it. I 'm a little confused here. How is it that the other XXXX bureaus removed the inaccurate information and Transunion did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other XXXX bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate.
I am nearly due to start paying back my loans so I was going to call  XXXX   XXXX  to arrange payments. The first number   XXXX   provided was a scam and the company I called pretended to be Fasfa. They got me to give them a password request change number without realizing it until it was too late. Which gave them access to much personal information besides what I had provided. As soon as I hung up I started to try and rectify the problem I Had created. I contacted the bank, fasfa, the department of education, local law enforcement,  XXXX , etc.   In total I was scammed to give up information to a company that acted as though the were fasfa only later on saying they were not a government affiliated site.They are going by the name  XXXX   XXXX   XXXX   XXXX  Phone: XXXX  The attorney generals office informed me to submit a complaint here.
I called bank of america to inquier about a credit line increase. The rep assured me that it would not be a hard inquiry. She assured me 4 times and than a 5th time that there will not be a hard inquiry on my credit. I received an email from XXXX 5 minutes later stating there was a hard inquiry on my credit report from bank of america. I called back and the next rep told me that there is always a hard hit and didnt know why the first rep told me. I requested to have the call pulled. The 3rd customer service rep said she would go ahead and see what could be done. Bank of America put a hard pull on my credit report after stating over and over again that it would not be a hard pull
XXXX XXXX XXXX have been reporting and attempting to collect a debt that is not mine. They claim it is from some company called RISE, when I look them up it is some type of loan place. I have never one time done business with that company nor did I ever sign anything. I do have a common name & have had my identity stolen. 
My credit is very good and I pride myself in having good credit. This account that is NOT mine I have been fighting this collection company for so long trying to get them to prove to me that it is mine. They have yet to prove it and it was affecting my business & financing that I was forced to pay the debt recently. 
I demand they prove it is mine still! I have an attorney and will pursue legal action due to their practices.
Have a 30 day past due amount which is restricting my credit. sent in a debut was suppose to resolve last month but still is active. 

Wells Fargo XX/XX/2015 scheduled payment
I paid off my Citibank AAdvantage Mastercard in full on XX/XX/XXXX. I checked and rechecked the balance to make sure that I would pay off the card free and clear. Two days ( on XX/XX/XXXX ) after I had paid off the card, Citibank charged me {$35.00} dollars in interest on the XXXX balance. I was unaware of this additional fee. I thought I had paid off the card so I stopped paying on the card. Over the next 2 months Citibank added two additional late fees so that I now owe {$100.00} all in fees on the account. I called them and tried to explain that I had no idea about the extra interest charge. They claimed that it was up to me to check the balance on my account. But I had tried in good faith to pay off the card and was n't aware of the fee. They said I should have read the fine print on my credit card agreement. Who does that?!! I agreed to pay for {$71.00} of the fees, but do n't even think I should be liable for that.
Lender called my references and disclosed the fact I had a loan with their company. I had been unable to return calls to XXXX -QC FINANCIAL SERVICES due to my work schedule. Tried to call before and after my scheduled times, and they have no recorder. They called all my references and left a message they were looking for me.
I signed up for a Barclay 's CC in order to buy an iPhone from XXXX. I was approved and made the purchase. It required me to set up an autopay via my bank account. On my second autopay, there was not enough money in my account to make the payment. Barclay 's payment system flagged my bank account and wo n't let me use it to make payments any longer. They wo n't take a debit card or a credit card. I do n't have another bank account to make a payment. I 've written them twice and they 've basically blown me off. Meanwhile they 're sending late payment reports to the credit agencies. Effectively they 're forcing me to go out and open another bank account in order to avoid late fee 's and negative credit reports. I do n't want or need another bank account. I have notified them that I have money to pay them twice and asked for them to reinstate my bank account as a payment method twice.
In XXXX I called Bank of America to review my account that had become past due. At that time I had a long conversation that ended with me setting up a auto payment to be withdrawn from my checking account on the XXXX of each month as well as have my payment due date changed from the XXXX to the XXXX. The payments have been with drawn from my checking account every month as well as extra payments made directly from me. I do not get a statement every month it goes to my checking account. I was checking my credit today and see that Bank of America has reported me as being late most of this year. 
After being on hold for 30+ min I requested a call back. Thirty more mins later I was called back. After going through all my information. I went through what was told to me and that I was told that with setting up a auto with draw I would no long have late fees and would not have any negative reported on my credit. I was told that my due date was not changed and that they would try to do that for me know. Then she came back on and said that she could not change my due date because the account is closed. I asked to speak with someone who could help. I was transferred to the wrong department, the banking department. Then I was transferred to a third person that I had to go over all my personal information with and the story of why I was calling. I was put on hold for a few minutes. When the person returned they said they can not help me and transferred me to a fourth person. This person asked all the same questions and stated that I was late on my payments because I was not caught up for the past late payments and that since my payments were not being paid till the XXXX I did not get paid up till XX/XX/XXXX. He then told me that there is nothing that he can help me with. I became upset and was asked to be transferred to a manager or someone who could really help. Passed on for the fifth time. At this point I had been on the phone for another 34 mins. I spoke with XXXX XXXX out of AZ XXXX XXXX XXXX. At this point I said I am sorry but I am not in the best of mood due to the run around. XXXX told me that I had put in a complaint in XXXX about this issue. I have no idea where that complaint came from but I do not recall speaking with anyone. I told her my story once more. She told me I was mistaken and that I did not have my payment change and the went through the repayment plan that I was put on. The problem was that I was told my payment date would be changed and that I would be having no negative recorded on my credit. I understand what she was saying about the payment plan but I was not told that in anyway. Why would I set up auto pay for a date past my due date unless I was told that my due date would be changed. I asked for copies of the conversation when it was all set up. I was told they do not have them all they have are their notes. I have my notes as well and it says very clearly that my due date would be changed to the XXXX. I am upset that they can tell you what ever they want on the phone and put something different in the notes and I am stuck by the notes not the information I was given.