WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX XXXX cashed a check from my XXXX XXXX account for XXXX at ACE getting XXXX XXXX in XXXX to pay an XXXX bill which was paid already by my insurance company therefore this should 've been returned as promised by ace they told me that stop payment would be place on the XXXX and money would be return back to my account ace also said that i need to fill out a fraud affidavit and would go into his account get my monet back this took place on XXXX/XXXX/2016 trans number XXXX /XXXX XXXX was the teller there number XXXX want my money back I 'm a great customer of ACES
On XX/XX/2018, I was charged a service charge of {$7.00} due to holding a balance of less than {$500.00}. 

Keybank misplaced a deposit on XX/XX/XXXX which would have put my account well over the threshold resulting in me nor being charged. They still have not found the deposit and have just lost another one over {$1000.00}. 

Keybank is just very, very bad at what they do and they charge a premium for it. 

I want the {$7.00} fee refunded. I also plan to sue for the {$1200.00} and haven't begun collection process for their most recent blunder.
Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for 3 consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. They also charged us {$30.00} for each and every time the Title Company called for a payoff balance. 8 months later we were notified that the original mortgagor XXXX filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX. We wanted a 30 day close on the property but because of the mishap with XXXX it reflects XXXX. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX while they were our XXXX.
On XXXX XXXX, XXXX, Citibank closed by account XXXX XXXX XXXX XXXX without properly notifying me , even though Citibank is able to do all or any of the following to contact me : 1. By telephone at the number they have on record. 
2. By regular mail at the address they have on record. 
3. By sending a secure message through Citibank Online system. 
4. By email to the email address they have on file. 

I did not know about it until I received a XXXX credit monitoring alert on XXXX XXXX, XXXX. The account closure resulted in a decrease of my credit score with XXXX, XXXX and XXXX. 

On XXXX XXXX, XXXX, I called Citibank and asked to reopen the account. Citibank representative did not agree to reopen the account without running a new credit report even though I was a Citibank customer for 20 years and Citibank has first-hand knowledge of my credit practices and payment history. Accessing my credit report again by Citibank could have resulted in further decrease of my credit score.
I am paying my Navient student loan on the first or second day of the billing cycle but the amount that gets applied to principal/Interest makes no sense whatsoever. 
XX/XX/2017, Payment, - {$400.00} ( Principal ), - {$390.00} ( interest ), Total XXXX XX/XX/2017, Payment, - {$320.00} ( Principal ), - {$460.00} ( interest ), Total XXXX XX/XX/2017, Payment, - {$810.00} ( Principal ), - {$180.00} ( interest ), Total XXXX
I was approved for a loan modification. As with any business offerings I was presented with a contract, and they supposedly explained all details. However one detail was missing, an explanation of corporate fees. According to a letter I received a letter months later, I had accumulated almost {$3000.00} worth of these fees. These fees were not initially mentioned and I was led to believe this process would cost me nothing out of pocket. I was approved for the loan modification and my payment was lowered and I was able to catch up my mortgage. However I ran into some financial trouble where I missed 1 payment. This is when my mortgager made me aware of these fees. It was only after I missed this one payment that my mortgager began demanding payments for these fees. They have threatened to foreclose on my property. I unhappy with these unethical and misleading practices.
I disputed a company with all three major credit bureaus. One particular company XXXX XXXX was disputed and came back verified with all three bureaus. I contacted the BBB about this account that I have no knowledge of and the results came back they they were unable to obtain documentation to validate the debt. The BBB obtained a statement directly from XXXX XXXX XXXX XXXX. I would like to know how these Bureaus validate and verify this information. On XX/XX/XXXX Equifax verified as my debt, but on XX/XX/XXXX, I received the message from the BBB in regards to this company. I think it 's unfair that the Bureaus can slap unverifiable information on consumer reports and not even attemp to rectify the issue. I had to write multiple letters and make multiple complaints to prove this debt was n't mine. I want this item removed from each of my reports from each of the bureaus immediately. I want all negative and collection items on each of the reports, from each bureau validated with documents that they have recorded and retained in their files. I also want to know if there is any further action I can take. This is the second time that I have had to hunt down information that is placed inaccurately on my reports that has been reported as verified. I have included a file of the letter from the BBB as well as the Equifax response of verified. Please help me on this matter.
I applied for a job online and was asked to give my debit card number and pin for payroll. I complied ( which was a huge mistake ) the next day ( XXXX XXXX 2016 ) I noticed all kinds of charges coming out of my account and I also noticed that XXXX fraudulent checks were cashed. I immediately contacted the bank and had them filed a complaint and opened a claim with both the debit and check fraud departments. Instead of the bank cancelling my card, they canceled my mother 's card instead. My mother had to call the bank back and ask for my card to be canceled. She had to get a new debit card as a result of their error. On XX/XX/XXXX I called for a status of my claims and the bank representative supposedly put a freeze on my account, but then allowed the fraudulent checks to hit my account on both XX/XX/XXXX and XX/XX/XXXX. This was after I had spoken to them on the phone. I filed a police report on XXXX/XXXX/16, and gave the bank a copy of the police report. I have been working with the police to catch this person and have done everything the bank has asked of me. My claims were denied because the bank said that when they reviewed the surveillance footage at the ATM 's that XXXX people were shown using a card. Which proves fraud occurred because I was not in any of the videos. My guess is that they used the information to make a duplicate card. The bank never contacted the police department to obtain any information from them. When I called I was treated like a criminal. Why would I hand over all of the information that I have over to the police if I did something wrong? Here are my claim numbers : XXXX, XXXX, and XXXX. I have been calling about this issue every day since XXXX/XXXX/16 and it has not been rectified. I am a college student and was only trying to find a job to help my parents pay my tuition.
This is a complaint from XXXX XXXX against Client Services for Client Servicess failure to provide requested information for the debt alleged. On XX/XX/18, consumer received a demand letter from Client Services. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Started receiving several calls a day from several different telephones numbers leaving a call back number. In just a two day period I received a call from XXXX on XX/XX/XXXX at XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called the number back at XXXX XXXX and spoke with XXXX XXXX, ( spelling? ) who is with Cordoza & Wexler Recovery Services. He said he represents XXXX. I said I was trying to return a call to XXXX XXXX XXXX who had left several disturbing messages about taking legal action against me. He said that they worked or contracted for him. XXXX said that he represented XXXX and that I had a credit card with XXXX and was trying to collect a balance due. I told him that I did not recall having a credit card with XXXX and would like to have a number or address with XXXX so I could get something in writing from XXXX. He said XXXX no longer had any information because they closed my account in XX/XX/XXXX and the last payment I made was in XX/XX/XXXX. I also received a phone call from XXXX in regards to XXXX that stated I had 2 accounts with XXXX and that it was now a " felony '' because the balance was over a {$1000.00} but they could drop one of the balances and could change the other to {$300.00}. They sent an email but I only had an hour to make a decision once it was received and opened to respond. I kept telling them I wanted a letter. XXXX said they didnt send letters because they could be altered. The managers name there is XXXX XXXX XXXX XXXX. XXXX knew XXXX. 
I received a letter from Cordoza & Wexler Dated XX/XX/XXXX stating current balance {$710.00} with a approved offer of amount dut {$520.00} with a due date of XX/XX/XXXX but I didn't receive the letter until XX/XX/XXXX. I have not made any further contact with either. I do believe there should be statute of limitations and I feel should be able to get a copy of the original contract with XXXX. But as stated above XXXX told me there was no longer any paper work since XXXX has closed the account.
I have had a XXXX ( XXXX ) starting XX/XX/XXXX. XX/XX/XXXX one of my Doctors ( XXXX XXXX XXXX ) stated that I was likely XX/XX/XXXX. XX/XX/XXXX I was ruled by an administrative judge to be XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX County XXXX ( XXXX XXXX, XXXX. ) contacted these all of the federal student loan agencies but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease XX/XX/XXXX as these directly impact credit scoring. 
DEPT OF ED / NELNET XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
I received a Lowes ( Synchrony ) card in XXXX of 2017 with a limit of {$3000.00}. I purchased a hot water heater and a few other items and paid it off before the 6 months interest rate promotion was over. In the Summer I attempted to purchase a few more items and was denied because my credit limit was reduced significantly to {$100.00}, I was in the store, spoke to customer service and they called to see what was going on. I was told that they did a credit check and decided to reduce my credit limit. I was livid and they said there was nothing they could do and maybe in 6 months I could see if the credit limit could be increased. I proceeded to purchase the items with the credit I had available and immediately paid that off when the bill came. Fast forward to last week, I received a letter stating the account has been closed because of a credit check. Please note, I do n't have a balance on this card. I believe this credit card company has ruined my credit. I have other store cards and credit card companies increasing my limit while Lowes/Synchrony is decreasing my limit and closing my account.
Checking my XXXX credit reports, it has been noted a credit collection company by the name, Enhanced Recovery Company, Enhanced Recovery Corporation, and ERC, is reporting a debt bought from ( XXXX XXXX, in the amount of {$170.00}. XXXX, XXXX. ) On XXXX, XXXX, Claims they received said account for collection. 
I never received any communication or letters from this agency. 
I have resided at the same address for over 6 years.This account is now Open with XXXX of the credit reporting agency, dated XXXX, XXXX, and XXXX agency as Closed, as of to date. 
XXXX date update : XXXX/XXXX/XXXX ( open ) collection/charge off XXXX date update : XXXX/XXXX/XXXX ( open ) collection/charge off XXXX date update : XXXX ( open ) collection, XXXX date update : XXXX ( closed ) XXXX date update : XXXX ( open ) collections under ERC XXXX date update : XXXX/XXXX/XXXX ( open ) renewal/installment. 

XXXX reporting agencies now showing different remarks Collections/charge off Closed Renewal/installments Under the Fair Credit Reporting Act, this is illegal. 
( Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer unfair and unjustifiable practices information contained in the files of consumer reporting agencies ). 
There are multiple inaccuracies in my credit files. Verification of debt must be clear and sent forward or said collection deleted from my files.
I have tried to resolve this issue many times with TransUnion in which they have inaccurate data reporting on my credit file. They even have my name listed as XXXX XXXX the XXXX I have never been the XXXX ( second ) what woman has ever been. This has got to stop. Please help
XX/XX/XXXX - XXXX reported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with XXXX XXXX XXXX XXXX.
<P/> XX/XX/XXXX XXXX  reports FICO score dropped XXXX points same day as XXXX 30 day late report hit the bureau.
<P/> XX/XX/XXXX XXXX Credit Limit decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX CBNA Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have.
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Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof.
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Please help me. I do n't have money to go and hire a credit lawyer or anything like that.
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I have statements from XXXX showing that my account is in good standing and that it is paid off but they will not update my report.
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How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
I have tried for several years to remove information on my credit report due to me being a victim of ID theft. I filed police reports, FTC reports and affidavits and submitted this information to the credit reporting agencies, however they refuse to remove the information listed on my declaration.
I received an alert regarding a collection account placed on my XXXX report. I have never received anything in writing confirming any sort of delinquent accounts or debt collections. All addresses in all my credit reports are up to date and accurate because there is fraud alert on all my credit reports. It states the account was opened in XX/XX/2015 and i do not have an account with the original creditor. When I contacted the phone number listed for the company they did not verify who I was. I checked all past XXXX, XXXX, and XXXX credit reports there is n't anything listed on my report from any collection agency or the original creditor. Both my XXXX and XXXX current credit reports do not have this account on it.
In XXXX 2014, they repoed my vehicle - upon them receiving the next day {$1800.00} XXXX ( more than what was owed ) they INCLUDED all the necessary fees affiliated with the REPO charges. Thereafter, a full and final payment of {$460.00} was mailed to Westlake to pay the remaining balance OFF IN FULL. ( check cashed ) A couple of months passed and I called to follow up on the title being mailed to me. I was informed that I had incurred additional charges of {$140.00} for the remaining of the repo bill. I was furious - because I knew they were being very dishonest. In no way would they have released that vehicle to me without all fees being paid in full. 
Not only have they refuse to forward my title to me they have reported Derogatory remarks with all XXXX credit bureaus. 
with all XXXX credit bureaus damaging my credit history. My vehicles is paid in FULL.
I did a medication back in XXXX on a house that was over financed. I received the new servicing provider on the loan and that loan is current. I pulled my credit report in XXXX and XXXX XXXX is reporting since XXXX that my loan has never received a payment. I have contacted by phone, email and wrote this company multiple times. I never get a response from them or any answers as to where they have been since XXXX. 

My credit report shows them as a HELOC, reporting late since XXXX XXXX XXXX XXXX. Account reports CLOSED as of XXXX XXXX and they continue to increase the balance monthly. The only credit report that shows them is Equifax. 

Please try and get me any answers or resolved issues. I have perfect credit and this is causing me not to be able to obtain any mortgages.
In XX/XX/2018 I notified Equifax of inaccurate information reporting on my credit file. I included an FTC Identity theft report along with proof of identity and a letter explaining that I was a victim of identity theft and to please remove the inaccurate accounts. Equifax later updated and stated that the accounts were updated and verified. This is found to be false and inaccurate because how could the companies provide Equifax with information supporting these accounts and the fraud accounts couldn't provide me with any contracts or any viable proof of such accounts belonging to me. Equifax has decided to not follow as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. Equifax continues to report fraudulent accounts on my credit file.
hi my name is XXXX XXXX I 'm running about Td Bank I 've been having a lot of problems with them then I willing to work with me in any way to try to settle the amount however they want me to pay them and I have n't received the bank statements nothing that would help me to see how much I have paid for what I 'm being charged they can be adding anything they want it really stinks because I reached out to their lawyers they were more helpful in the bank every time I call the customer service to telling me that they can help me that I have to call a separate number I call the number I ca n't even get ahold of anybody it 's always the same thing have to call during certain times is very frustrating. I need help why ca n't get amount as to what the are charging me. Thank you
On XX/XX/XXXX I closed my Bank of America XXXX XXXX  credit card card ending XXXX. On XX/XX/XXXX I received an email notification that I had a new bill with Bank of America, an institution with which I have had no banking relationship for over one year. I called to speak with a BofA CSR and eventually escalated to a supervisor. They claim that they have the authority to continue submitting payments to merchants on my behalf despite the fact that I do not have any relationship with Bank of America. This account has been closed for more than 12 months. I maintain my credit fastidiously. A less diligent consumer could easily miss the fact that an account long since closed is now back and accruing interest and potential late fees. I demand that Bank of America rescind this charge and forever close this account.
I have an account with a company which is XXXX XXXX and my wife have one well they have her account on my report. 
Creditor : Ally Financial Amount : XXXX account # XXXX I sent a dispute letting them know the XXXX XXXX XXXX XXXX account XXXX is a fraudulent account in the amount of XXXX its been 2 months but haven't been taken off the report. The same company XXXX XXXX XXXX XXXX has two accounts on there the other is XXXX in the amount of XXXX this has been embarrassing to say the least I pay my bills on time and are being penalize by this breach in security. 
Also there is unauthorized inquiries that is causing my score to suffer greatly. 
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 All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Transunion has shared my credit report to specific merchants who had no permissible purpose. The companies are listed on the attached letter.
My wife and I have been members of American Express Gold Card since XX/XX/XXXX. WIthout our consent or knowledge they started sending us XXXX Books periodically. For years we assumed it was a side benefit with the Gold Card Status. In XX/XX/XXXX my wife called and canceled the subscription. The book kept coming. Last year we called AMEX again and they said we 'd have to take it up with the publisher which we did. The book kept coming. We received a billing this year for {$44.00}. I sent a refure the charge to AMEX. We did n't get the book the next period, XX/XX/XXXX. Today while doiing a search of our expenses I fould they had started charging us {$44.00}. This occured twice on XX/XX/XXXX and XX/XX/XXXX. We called XXXX and talked to XXXX ( no further ID was given ) He said he would cancel any product coming from them. However he could not refund any of our payments. When I talk to AMEX they say talk to the publisher. WHen I received the XX/XX/XXXX charge I complained and they refunded one payment, but continued charing us in XX/XX/XXXX.