WillisBack/dataset-financial-user-claim huggingface dataset:
I have a {$15.00} collection on my credit report from XXXX XXXX   regarding XXXX XXXX XXXX, that is erroneous. I have contacted XXXX XXXX, XXXX XXXX, Equifax, XXXX  company. both XXXX XXXX  and XXXX say they show I owe them nothing. I can't get anyone to remove this.
In XX/XX/XXXX, I paid my mortgage as usual ( automatic payments ) Towards the end of the month in XX/XX/XXXX, I got the the money credited back to bank account. When I finally got in touch with someone ( after numerous attempts of being left on hold for 40 minutes+ ) they  explained my taxes hanged therefore my payments increased slightly. Because of the increase, my payment wasnt considered a full payment so it was returned. I asked about being informed of this and was told I should be getting the notice any day. Why wasnt told about this prior to the payment due date?!?! Needless to say I sent a double payment to cover XX/XX/XXXX and the XX/XX/XXXX payment which was refunded, enough to cover the increase. I have paid every month since! I continuously get calls and letters and that I am in default of my mortgage! I called 4 times! First, they apologized and explained that since it was a double payment they applied the additional money to my principal rather then applied it as my regular payment. I continuously call and Im told they fixed it and reapplied my payment appropriately and the calls and letters are an error and to ignore them. However, they are saying my loan is in default and have reported consistently to my credit that I am not paying! When I called and explained this they told to write a letter to the credit bureau!!! But yet I got another letter today saying Im in default and get calls from them 5 times a day asking to call them for a collections matter!
While attending XXXX University I was denied federal student grants that i had previously been granted. The next semester I was told I did n't make the deadline for turning the paperwork in even though the paperwork had been continuously sent back for missing information which I had already provided several times. I was forced to apply for a loan with ACS, which totaled XXXX to accommodate the XXXX semesters dues. I was advised by financial aid that i had exhausted my borrowers limit with ACS and I was forced to apply for a private loan and in order to continue my education I took out THIS private loan from XXXX XXXX, the following semester I was denied student loans and was told I did n't fall in the income bracket to receive aid although my fathers income had not changed and my mother did n't work and I have XXXX sisters XXXX of which were claimed by my parents. The total private loan borrowed from XXXX XXXX XXXX was around XXXX dollars. I am XXXX years old today and I have struggled working XXXX and XXXX jobs to pay XXXX school loans with XXXX and ACS since XX/XX/XXXX after my graduation. I have successfully paid in full my XXXX loan in the amount of {$3800.00}. Currently I am struggling to pay my monthly dues of XXXX with XXXX XXXX XXXX. In 2014 I paid {$440.00} in interest fees FOR MY XXXX loan alone. I currently owe more than XXXX dollars to XXXX for the semesters at school which Federal Aid was denied to me for no reason which was valid or my fault. I am struggling and can not afford my bills any longer what can I do. How can I get relief from my financial education debts.
On my card ending in XXXX american express deducted XXXX  membership reward points.

When I called in on XX/XX/2018 I was told the reason for this is because I downgraded a card I earned a bonus welcome offer.

They did not tell me this when I downgraded.

Also, when I called in the supervisor was not able to show me any terms that mention this specifically. After speaking with a supervisor for about a half hour all the supervisor was able to come up with is that the terms specify they have a right to remove the points if " you have engaged in abuse, misuse '' All I did was change my card to a blue card. Changing a card is a standard procedure. The rep that changed the card didnt mention that changing cards is abuse.

Also, they took back the points about 2 month after the points was used leaving me with a negative balance. What kind of decency to after using the points to come up with reason to remove the points. If they felt this was abuse they should have removed the points right away.
Innovis has a bankruptcy on my credit profile XXXX that is not verifiable. The address they have on file state XXXX XXXX XXXX XXXX # XXXX but I sent a letter to this creditor and the response came back as they do don't verify bankruptcy non do they report them to the credit bureaus. I am now asking hat any and all bankrupcty be removed from my credit profile because uneer the FCRA the address to the credit must be accurate and verifiable. as you can see my the letter i am sending this is not the case.
The New York State Supreme Court had dismissed the XXXX XXXX Bank XXXX in the index number XXXX,. I have enclosed the copy of Supreme Court order. Experian Has failed and and refused to properly investigate the validity of the XXXX XXXX information even though the New York State Supreme court had dismissed the validity of this wrong information and XXXX XXXX Claim. Why Experian did not communicate with N.Y.S. Court and further investigate the truthfulness of the information being reported in my credit report knowingly that it would Tarnish my credit report and my ability to receive further finance. They Simply Failed and continue to admit to their mistake under the legal protection afforded to me as a consumer.
I recently obtained my credit report and was shocked that I found late payments on it Creditor : XXXX XXXX Account Number : XXXX I was never late 30 days late in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Im not sure when this occurred, I know that I had made my payments in a timely manner to your company when I received my statements. My only thought is that there is a billing error with my statements.
XXXX XXXX claimed I owed one last payment on my lease which was up in XXXX of this year. I had disputed the claim, asking for proof of which payment was missed. I was then sent a letter by Sequium ( Debt collector ) which I received XX/XX/XXXX. I called them XX/XX/XXXX. At which time they asked me to pay the debt, even though I disputed it and requested the proof of owing it. They told me I had to call XXXX for that. I did and was put through to their collections. They told me that Sequium was told to suspend collection activities on XX/XX/XXXX due to account review. I called Sequium back and told them what XXXX told me. I was told that XXXX doesn't make mistakes and she asked me how I wanted to pay off the debt. When I insisted that XXXX suspended collection activities the week before she acknowledged it and I was told to call back when XXXX adjusts the account. My complaint is that they tried to collect a debt after they were told to suspend activities.
We switched carriers from XXXX to XXXX in XXXX 2016 due to excessive unresolved issues with XXXX. XXXX was offering a deal of paying up to " x '' amount of monies owed to previous carriers if signing a new contract with them. We took advantage of this deal to get out of our XXXX contract. With that said, we are now waiting for XXXX to send us our monies owed to pay off XXXX, which we have stressed to XXXX on multiple accounts. Our XXXX account was then bought by a debt collection agency Convergent who calls us multiple times daily. They call my husband multiple times through out a day and after so many calls, they switch to my phone number. Today, specifically, I made them aware that after calling my husband FOUR times before XXXX XXXX, and then calling my phone they are harassing us, in result of violating our rights per the Fair Debt Collection Practices Act ( FDCPA ) We have asked repeatedly to withhold further contact until XXXX has resolved this issue, and they still have n't let up. Today the representative told me my husband is lying, that they have NOT called his phone number, when in fact our phone records show that they have. I informed them I will be filing a complaint with CFPB as every single time I speak with them, they are rude and pushy. It has become excessive, annoying and beyond unnecessary.
On XX/XX/2018 I submitted a dispute to the major credit reporting agencies ( Transunion, XXXX, XXXX ) due to the impact of erroneous accounts being placed on my personal credit profile. Despite providing the required proof of me being a victim of Identity Theft according to these agencies and the congressional act ( FCRA Sec. 605B ) I am still being haunted by these erroneous accounts.
XXXX and Bank of America have both announced policies on or about XXXX XXXX that prohibit using their services and credit cards for the purchase of certain firearms. They are only advancing general credit with no strings attached, as far as I can see from their card agreements, except, now, for certain firearm-related items. All such items are currently legal under federal law and the law of my state. Why can they make a policy that dictates what I can and can't buy with their plastic?
Wells Fargo took {$600.00} from my account TWICE and made it very difficult for me to get my money back. On XXXX/XXXX/16 I deposited several checks into a Wells Fargo ATM. The machine mis-read XXXX of the checks as {$700.00}, instead of the proper amount, {$100.00}. I noticed the error and called Wells Fargo on XXXX/XXXX/16 to alert them. NOTHING WAS THEN DONE. It was not until XXXX/XXXX/16 that the extra {$600.00} was removed from my account. But then, one week later, on XXXX/XXXX/16 an ADDITIONAL {$600.00} was removed from my account. Or was it perhaps purposefully stolen, hoping I would not notice ...?? I do not know, but part of me suspects the latter because of how difficult Wells Fargo made it for me to get it back. Wells Fargo purposefully creates a system so that it is diffcult for customers to get money returned that was removed 'in error ''. Let me explain : I noticed the second withdrawl of the additional {$600.00} quickly and I called customer service on XXXX/XXXX/16. This is where Wells Fargo began to make it very unpleasant and hard for me to get my money back. I called the 24 hour Customer Service line ( on XXXX/XXXX/16, at night when it was convenient for me ). I spoke with Customer Service representative " XXXX ''. This call took over 20 minutes, in fact nearly 30 minutes. At the end he said he could not assist on his own, he could only forward my 'claim ' to another department. But he said I could call the other department myself if I wished. But this department is NOT open 24 hours. I would have to take time out of my busy work day and away from my family during the daytime. I was FURIOUS! XXXX gave me a reference # : XXXX and I called the following morning, on XXXX/XXXX/16. I SPENT 45 MINUTES ON HOLD BEFORE ANYONE ANSWERED. Then I spent another 15 minutes speaking with representative " XXXX '' having to explain the problem AGAIN..!! At the end of the call I was told my money would be returned that day. By the end of business day XXXX/XXXX/16 the money was NOT returned. I called again on XXXX/XXXX/16. Again I was ON HOLD FOR 34 MINUTES before anyone answered. I spoke with " XXXX XXXX ''. Again I had to explain the entire story again. I was told my money would be returned. I asked XXXX XXXX to note for the record that I wanted Wells Fargo to reverse charges on my business checking and savings account ( approx {$100.00} ) that had accrued during 2016 ) as modest compensation for the incompetence in taking {$600.00} a second time without first checking that it had already been removed, AND as compensation for all the time Wells Fargo required of me. It is AWFUL and an act of HOSTILITY towards loyal customers to steal so much time from us and our families to fix " errors ''. WELLS FARGO SHOULD HAVE THIS DEPARTMENT OPEN 24 HOURS ; or allow the normal 24 hour customer service rep 's to handle this kind of issue. I am FURIOUS Wells Fargo made me spend so much time to get my money back. I am furious I could not solve it simply by contacting the 24 hour customer service line. THIS IS AWFUL ...!! Shame on you Wells Fargo..!!
On XX/XX/XXXX I placed an order with XXXX XXXX XXXX online ordering for an animal planet playset in the amount of {$3500.00}. The amount was pending and as it shipped on XX/XX/XXXX was cleared and taken out of the account. Their was a problem with the delivery service and package was said to have been delivered XXXX but it was not at my home. I called the online phone number and the person was going to cancel the order and I was going to repurchase the same item. This " second '' order never took place and my information was not entered into any system to reorder it. After that phone call I called payment center and noticed that another amount of {$35.00} was not available in the balance I had on the card. I called the next day because the package did show up but it was late and the delivery service was contacted as well. I was on the phone for almost 2 hours with a rep trying to figure out why I had a pending transaction with no order. She told me in 3-5 days it should drop and be resolved. Well I checked after 5 days and no change. This was XX/XX/XXXX. I called them again and was told to give it a week because this person was going to try to cancel it as well. Well no change yet again and I called again .... and this time they said it would be resolved in 7 days but again was not. I called XX/XX/XXXX and was extremely angry about this and was said that because of the trouble they would resolve this by refunding me the amount {$35.00} and it would be all taken care of in 5-7 days. Today I called to check if everything was all set and I got charged another {$10.00} when I have n't used my card since XX/XX/XXXX for the original purchase. I have an email confirmation of the original order and a complaint I emailed to the delivery service that the package did not arrive on time. I also have reference numbers for the conversations I 've had with XXXX XXXX XXXX costumer service line. I was told by a manager to call my bank. I did however call the credit service and they said I did not have an additional charge and I was told because it was a hold not a charge by customer service line.
On XX/XX/2017, I was suppose to receive payment for services rendered from my place of work. I attempted to check my account and to my surprise, I was locked out. I then called BoA ( Bank of America ) and spoke with customer service. I was n't satisfied with the outcome of my call as it was a complete waste of time because I was completely disregarded- I was on the phone for 5 hours trying to resolve the matter but accomplished no progress or answers. I then went to the Branch in XXXX, Maryland and spoke with a Manager ( XXXX XXXX ) whom i have a good relationship with and he informed me he would release my funds and allow me the funds regularly deposited every two weeks according to my pay history and take care of the matter. I expressed that I use my account to provide for myself, wife, and XXXX children but am unable to because I currently have no money to draw from. I am under the impression that no one cares about my financial hardship ; I sensed a nonchalant attitude from each member with no sense of time and understanding of my urgent situation. I have been banking with the company for 10 years where I was able to build an outstanding relationship therein up until this point and am furthermore surprised at the outcome thus far. I have nothing to show for my valued hard work deposited and am completely uninformed as to why or what is going on- this is unfair and I deserve answers.
On XXXX XXXX I requested a 10 day pay off letter from credit acceptance so I can refinance our car. At that time the payoff amt was XXXX, it expired. Today I call for a new letter now the payoff amt is XXXX. How can the payoff amt go up when a payment was made in XXXX 2017 XXXX???
Rushmore states that the payoff was good until XX/XX/2018 and had it been received the sale would have been rescinded. They continually skirt these complaints with half answers. THEY PICK AND CHOOSE WHAT THEY WANT TO ANSWER!!! 

THE PAYOFF LETTER WAS MAILED TO ME ON XX/XX/2018 I DID NOT RECEIVE IT UNTIL AFTER THE SALE??? SO PLEASE INSTEAD OF AVOIDING THIS QUESTION TELL ME HOW I WAS TO PAY IT OFF IF I HAD NO FIGURES UNTIL AFTER THE SALE THE FORECLOSURE SALE DEED SAYS {$100.00} IF THE HOUSE WAS NOT SOLD FOR {$100.00} WHY DOES THE DEED SAY {$100.00} RUSHMORE CONTINUALLY IGNORES THE PROOF OF NON SERVICE WITH DOCUMENTED PROOF OF DIFFERENT ADDRESS THEY KEEP ATTACHING PROOF OF SERVICE TO INCORRECT ADDRESS THOSE ARE JUST A FEW OF THE ILLEGAL ACTIONS IN THIS FORECLOSURE CFPB IS SUPPOSED TO PROTECT THE CONSUMERS HOW DOES THAT OCCUR WHEN YOU ALLOW THEM TO JUST SKIRT ANSWERS AND NOT EXPLAIN THE REAL QUESTIONS
This company, WELLSFARGODEALERSERVICES, did a hard inquiry online to get information. I never authorized them to do this inquiry. Do to their inquiry, my credit score dropped. What can I do to sue them for fraud? This occurred on XX/XX/2018. I was informed through credit karma on XX/XX/2018. The address is XXXX, North Carolina XXXX
I have been paying a little extra on my XXXX  for years. I realized at the end of the loan ( last payment due XX/XX/19) that the payoff amount didn't seem correct. I have been calling and emailing since early XXXX. I was mailed an incorrect payment history. I contacted XXXX and was told to call. The first and supervisory agents appeared to pretend they didn't understand the problem. I think they were trying to frustrate me ( XXXX and XXXX ). Later agent XXXX refused to let me speak to a supervisor. He said he was emailing a corrected payment history. He read off corrected amounts which I verified by my emailed receipts later. I have never received the corrected payment history. I called again and XXXX XXXX said the order was placed for the corrected payment history and that it should come by Monday. I emailed XXXX   Sunday when I received a bill, and they say I have to call. It is Tuesday, and I have no corrected payment history in my email box. I need to see a corrected payment history with my amounts applied and interest reduced each month before I know if the payoff amount is correct. This email/phone calling has been going on for over 1 month. They are harassing me at work with phone calls during the work day even though I told them to call after XXXX CST because I was teaching. I have my phone on for alerts or emergencies. They have called 5 times during the work day yesterday and today. They were told I was a teacher and not to call before XXXX.
I have these accounts listed on my credit report that are not mines and was open based off fraud. I have even filed and fraud complaint with the FTC and provided this before to the credit reporting company. I have contacted the companies and they have yet to respond. XXXX XXXX, XXXX - Opened XXXX, should be also deleted since it is seven years old.
XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX XXXX account was used to commit fraud and I even filed out a ID theft complaint sent to me by XXXX XXXX XXXX XXXX. <P/> These XXXX accounts below on my XXXX are not mines. I have disputed them before. XXXX XXXX XXXX - {$53.00} XXXX XXXX XXXX - {$5900.00} The inquires by XXXX XXXX on my Equifax and XXXX I did not authorize and have contacted XXXX XXXX and they told me to dispute with credit reporting companies. <P/> XXXX XXXX XXXX XXXX Opened XXXX XXXX - is reporting on my Equifax report as a Charge-off and that is incorrect. The dealer vided the contract and this should not be on my credit report. <P/>
XXXX XXXX XXXX account - Opened XXXX XXXX, is paid in full.
I am putting another complaint on Experian because once again they continue to find ways to deny removal of the Federal Tax Lien they are reporting in which they got there information off of XXXX. I have confirmation from XXXX XXXX that the federal tax lien was removed from my risk file. I provided Experian the response from CFPB complaint XXXX from XXXX XXXX giving confirmation that the information was removed from my risk file with them. I have provided Experian with the police report filed, the form XXXX that I filed with the IRS, the response from IRS with receipt of my XXXX form, I provided them the response from XXXX showing the removal from where they originally obtained there information. With all of these supporting documents that uphold mt claim they continue to report and claim to verify this Tax Lien that is not suppose to be on my file. I am going to attach once again all the documents that I have supplied to Experian that only shows there unwillingness to help in the removal of fraudulent information that is on my file. They have provided only excuses and no clear answers. I am now requesting from them what vendor they are using to verify this tax lien. What is the steps and methods they are using in doing a legal full and accurate investigation. I am not asking for a generic template letter from them on how they do investigations. I want a specific list of steps that they took, including but not limited to the dates they contacted their vendor, the name of the vendor used and what was the steps. I would like to know if a website was used in trying to verify these tax lien and what is the address of the website. I have contacted the XXXX County Courthouse and I know it is not them providing the information so I do not want Experian to illegally tell me to contact the source when the court house was not the source used to verify the accuracy of the information. I also requested for Experian to remove the Fraud Alert from my file and provided identity verification documents for the removal of the fraud alert and yet it is still reporting on my file.
I order my free credit report XX/XX/XXXX received in the mail. I can not dispute any thing on line or call and the wait is over 3 hours to speak to someone. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I want to dispute incorrect information on my Experian credit report.
Capital One has several hard inquiries on my credit report from XXXX and XXXX. I have never inquired for any type of loan with Capital One. Capital One is reporting a credit inquiry for a business that I was once a member of and not the primary gaurantor because the company was a XXXX. These inquiries for credit were not made by me. Also, Capital One is breaking the FCRA. Only personal requests for credit should be reported. The inquiry is for a business I no longer work for and do not own and it should be reported as a personal credit inquiry.
I modified my 1st loan in XXXX/ XXXX through the Department Of Justice settlement due to loss of income. It took several years to obtain the modification. I was told that my 2nd lien ( home equity line ) had been charged off and forgiven " liquidated ''. My first lien was lowered to the current market value. I have not received any correspondence from the 2nd lien holder for the past 5 years nor has the 2nd lien been reported on my credit report. Earlier this year I obtained a home equity line through XXXX XXXX. We assumed that XXXX  was in 2nd position. In XX/XX/XXXX I learned that a NOD and Election to Sell had been recorded against my property. I was not properly served. The assignment from XXXX to XXXX XXXX is fraudulent. That assignment was allegedly notarized in XXXX but not recorded until XX/XX/XXXX. XXXX XXXX  was not affiliated with XXXX in XXXX. SLS, the servicer for the 2nd, won't release any documents to me. I have requested a copy of the letter that XXXX sent to me stating my loan had been charged off and liquidated. Furthermore, I was provided a document showing that I had modified the 2nd in XXXX and that my balance had increased from {$95000.00} to {$220000.00} in less than 2 years. This is not my signature on the document and how could an equity line increase that much in less than 2 years. The clock is ticking and I am not getting any explanation from the 2nd lien holder. See attached letter.