WillisBack/dataset-financial-user-claim huggingface dataset:
I mailed a dispute request to Experian Credit Bureau with last XXXX of my social security number typed with state issued picture id and check stub and was told that my social security number was illegible and to resend all the info that I had already provided.
Chase/jp mortgage keeps telling my wife and i that we never payed our mortgage in XX/XX/XXXX. We have twice proven otherwise, we faxed in our complete Chase bank statement showing the electronic payment for the mortgage we included 2 months prior and about 6 months after the claimed missed payment. The statements clearly show the payment leaving our account and no other moneys being returned we have also confirmed with chase bank that we did not receive any moneys from Chase/JP. 

After both times we faxed in proof we payed they say they will look into it, never get back to us and begin calling saying we owe them a XX/XX/XXXX payment and they have no record of us trying to resolve this. 

There are other problems that have occurred because of this so called missed payment. 
in XX/XX/XXXX they closed our online account and would not allow us to make payments until the XX/XX/XXXX payment was settled while charging us late fees for XX/XX/XXXX and XX/XX/XXXX. 

We only found out about this " missed '' XX/XX/XXXX payment in XX/XX/XXXX because the loan matured and caused a conflict in Chase/jp 's computer system. They had supposedly been calling us and sending certified letters which my wife nor i had never received a call or letter. 

Every time we call it is near impossible to get answers to questions because depending on the question you get transferred back and forth between departments and have to tell the whole story. 
The final issue is they signed us up for mortgage assistance which neither my wife or i signed up for. When we asked for who and when the assistance was signed up they had no record. We did not ever need assistance.
I made a late payment to my credit card which is through Comenity Bank. I have never missed a payment, even if it is late, and I regularly pay off monthly at least the minimum payment but on the rare occasion the payment is not on time they will call multiple times a day every day at all hours of the day. They also call my mother 's home landline multiple times a day. I have already asked them to stop calling but they only switched to calling from unknown numbers so I can no longer block them.
I have requested information/ validation on this debt bearing my signature and have not recieved anything stating that I owe this company any money. They have repeatedly responded that they have investigated and verified the validity of my debtand dont even allow me to dispute their claim. I have never done business with XXXX XXXX, never signed a contract nor do i owe them any money
XXXX XXXX has reported to XXXX two accounts in my name that have been charged off however are still reporting. The address on file with these two accounts does not and has never belonged to me. I ask for the debt to be validated and the company can not provide my original signature but XXXX refuses to stop disclosing this inaccurate information. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX
I purchased a XXXX XXXX XXXX and financed it through Prestige Financial. I had just come out of bankruptcy and lost my other car in the BK. I had very limited choices on finance companies to get a loan from. My interest rate is very high, but I accept that due to my credit score. From the very first payment in XX/XX/XXXX, I began getting phone calls, texts and emails on the day my payment was due and they continued repeatedly sometimes two to three times a day until the payment was made. My account was never over 5-10 days late. However, I was threatened with being turned over to collections, etc. They even called my father and my daughter which really upset them. Due to poor health, the loss of my job and death of family members and other hardships, I have been late on my payments, but never over 30 days. However, the harassment would continue and the threats became increasingly more hostile. When my father in law died in XX/XX/XXXX, I had to fly to XXXX, Texas from XXXX, Oregon to attend the services. I was not financially prepared for this sudden expense. I fell behind on the payment. I received call after call and numerous text demanding an explanation as to why I had not responded. I advised that I was grieving the loss of my dear father in law and did not appreciate the harassment. They apologized but demanded a payment arrangement. I made one just to get them off the phone and stop harassing me. I was still in Texas and did not want to deal with this. I had just lost my mother a few months before. I have been in ill health and have told them so. Regardless, theyre relentless in their harassing communications. I am well aware of my financial obligations and do not need to be harassed like this. I filedmy bankruptcy due to medical bills. I financed a car as I need reliable transportation. I have to set up payment arrangements with them even when I dont have the money or they wont stop the calls and the texts and emails and calling my family members. The most recent harassing communications came today, XX/XX/XXXX due to a failed payment arrangement. Again, I had to make one so they would stop bothering me. I have made all of my payments on the vehicle, albeit late. However, I have not been 30 days late and I pay a late fee each time. 
I am requesting the communications cease immediately and contact me only if I should run 30 delinquent. I am usually no more than 10 days late. I have received these unwanted communications every month starting on the day the payment is due, the XXXX of the month until it is paid. This has been going on Since XX/XX/XXXX. 

Sincerely, XXXX XXXX
Equifax, a company, and now a victim of the recent hack, has claimed that I am affected by the recent data breach. While I feel they are handling this fairly well, I do feel violated that a company I do n't even know, nor previously came into contact with is reporting that they have breached my credit card information. Please pursue this, as I 'm sure this violates my privacy and unlawfully uses my credit information for business profits.
I have XXXX inquires on my Equifax Credit file that are older than XXXX months. For some reason, Equifax appears to have forgotton that inquries are only allowed to stay on credit files for XXXX month. The XXXX entries are : Quality Leads XXXX/XXXX/2013 and XXXX XXXX XXXX/XXXX/2013. When I last requested they be removed per Fair Credit Reporting Rules regulations, their response was the auto reply of : Response*Equifax has reviewed the complaint and its records. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *No follow up actions are required in further response to the complaint. '' Both should be removed. I are not required to send additonal information for removal. XXXX months has passed. Consumer abuse such as thiis is a great example on why the Consumer Financial Protection Bureau was created.
I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, XXXX, and Equifax credit scores. I have only missed XXXX payment to XXXX ( DEPT OF ED ), which is now paid to date, and they chose to report this late payment 9 times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.
I opened a new Checking account at TDBank online. 
Checking XXXX XXXX On Thu XX/XX/2016 I deposited {$5000.00} from a personal check, at the XXXX NY branch. 
I asked when it will be available, the teller who said to be a supervisor said. {$100.00} now the remaining on Friday. I told this is a new account and I am funding it with it and need to make payment, to which he replied not to worry, I can make payments right away on Saturday. 
Till now the money was not credited. My XXXX account was debited right away. TDBank refuse to make good as per their policy of new accounts. 
I asked to have the money returned right away in Cash or bank check or credit it to the account. I met with refusal. TDBank is fraudently holding my money, the same way a thief is punished from stealing, the same should be when a business still and this case their XXXX. 
XXXX, a XXXX of online banking refuses to escalate the call, I asked for their counsel so may bring action in small claims court or an address and refuses to provide. 
I also wanted to open a joint account and was unable to do so online, now they want me to come to a branch with my spouse. Like we work for them, nowhere was indicated in their website of such, just the opposite, it can be done-
Capital One Bank has the wrong balance on my account with them. I owe them {$170.00} and they keep adding Bogus Charges to my account. I want an investigation into their practices. 
They are over charging my account.
When I opened my KeyBank checking account on XXXX XXXX 2016, there was a sign up bonus of XXXX for direct deposit of at least XXXX within the first 60 days as an incentive. The local branch was at XXXX XXXX XXXX, XXXX, NY XXXX. The teller verbally confirmed that the offer is available for my account and the bonus would post after I completed the direct deposit. I completed the deposit twice on XXXX XXXX and XXXX XXXX. When I emailed customer service on XXXX XXXX, I got an email stated : " no promotion code was added ''. I replied on XXXX XXXX and requested the issues to be solved but get an answer : " we are unable to add a promotion code to your account via email ''. 
The coupon code I used at the branch was : XXXX Attachments is the screenshot of the offers I received through email. 
As of today, XXXX XXXX 2016, this offer is still publicly available on KeyBank 's website : XXXX
I had XXXX done at the Hospital XXXX. I received a statement from them stating that I owed XXXX I called the Hospital and explained I would need a payment plan to pay the amount I owed. They sent out paperwork that I filled out and returned to them. After waiting and not hearing anything I called them back 2 times to try to find out about a payment plan. I was told both times not to worry, that they were overwhelmed and would get back to me. I received a phone call from the Revenue Group stating they were taking over my account. We agreed on an amount and I was told they would send out a statement in a couple of weeks. 
I received a phone call from the Revenue Group about a month later asking me why I have n't paid on my bill. I told them I was waiting for a statement from them. They informed me they sent out XXXX statements. I never received these statements or any kind of validation notice from them in the mail. I verified my address with them over the phone. In good faith I sent them a check equal to XXXX payments and reminded them that I still have not received any type of paperwork from them. The check was cashed about 2 weeks later. As of today we have not received a receipt, validation notice, or any kind of written statement from them. If they are sending them out, I am not receiving them. I do not wish to be called by them again insinuating I am not paying my debt. I am more than willing to pay what I owe, but I would like some type of receipt or statement proving that I am sending my money to the correct place.
I had a GM card for many years. I was living XXXX since XXXX and paying my card very regularly. I found that they had blocked my ability to pay over the internet XX/XX/XXXX because I tried several times and then it was too late to send a check. I suspect it was purposeful, since I had accumulated thousands of dollars towards a new GM car. Or maybe it was just a security issue about signing in from outside the XXXX. At any rate, I wrote them a letter that I wanted to pay and keep up my card, but they had put it up for collection almost immediately -- which makes me think they were purposely trying to get rid of some accounts that they felt were at risk. So now they canceled my credits and have caused me trouble with my credit report. I would like elimination of the sale of the account in the first place because it was done in a deceptive manner, and secondly to void the debt retroactively because they caused me damage and are preventing me from getting loans as I 'm back in the US now. Here is a copy of the letter I wrote them : Subject : GM Card ( left out ) XXXX XXXX, XXXX Dear Sirs, I have been trying for months to access my GM account in order to pay my bill, but I ca n't access it, so I figure it was not just a temporary glitch and I am writing you instead, and I would like to 1. Know what is going on 2. Pay my bills 3. Obtain a cancellation of any late or interest charges. As part of that, I would like in writing whether you have reported this to any credit agencies, and, if so, a copy of your letter correcting this mistake. 
4. Restore my internet access to the account. This is important to me as I currently live XXXX. 
Please respond to me at ( left out ). 
Thank you, -- -- -- -- -- -- -Please note that the card management is not clear. At the time that it happened, it appeared to have been administered by XXXX, who may have purchased it from XXXX, and I think it was passed on through several other card companies after that. 
-- -- -- -- -- -- I am not sure what the billing address was at the time of the incident. I put one that might be correct, but I 'm not sure.
I have disputed this account more then 5 times with Equifax, XXXX, and XXXX I also disputed it with XXXX XXXX XXXX, when XXXX   finished there investigation the 2 time they did find that XXXX XXXX was reporting inaccurate information, and removed the account per FCRA I sent the information to Equifax and XXXX  showing that the information being reported was inaccurate using the information sent to me thru CFPB by the collection company that showed that the amount was less then {$2000.00} not penny more. but every time i dispute with Equifax and XXXX not only they dont correct the issue the up the amount my reports start at {$3300.00} then {$3300.00} then {$3300.00} since the Credit reporting companys know the rule and laws of FCRA im not going to give statues, but if an account has been disputed and nothing change but found to be inaccurate later must be deleted. I have provided such proof to Equifax And XXXX  SO AT THIS TIME THIS IS MY FINAL ATTEMPT TO RESOLVE THE ISSUE AND HAVE THE ACCOUNTS REMOVE FOR REPORTING IN BAD FAITH PRIOR TO ME FILING XX/XX/XXXX IN COURT I HAVE MADE COPYS OF ALL CREDIT REPORTS SINCE I STARTED THIS DISPUTES IN XX/XX/XXXX, I  ALSO HAVE THE DOCUMENT PROVIDED BY XXXX XXXX XXXX, WHICH CHANGE TRADLINE NAME TO XXXX XXXX I BELIEVE THAT EQUIFAX AND XXXX  ARE NOW ACTING IN BAD FAITH AND TO PROFIT OF INACCURATE INFORMATION BEING REPORTED THEREFORE THIS IS MY FINAL NOTICE TO EQUIFAX , AND XXXX PRIOR TO FILING SUIT IN WHICH I WILL NOT SETTLE AND WE WILL GO BY THE COURTS DECISION.
Every credit report ( all 3 XXXX, XXXX  and Equifax ) shows balances owed on my general and store credit cards, however all of my credit cards were paid in full and have a XXXX  balance. I have disputed with all 3 bureaus and provided statements showing a XXXX  balance to all 3 bureaus but they never made any correction. Additionally, there are several credit cards that show a delinquent payment, when it was not delinquent, on 3 accounts XXXX, XXXX XXXX mastercard and XXXX XXXX credit card, applied my payments to the wrong account, all 3 companies are operated under the same financial institution, and payment processing center. On the other credit cards, I made the payment on-line on time, but they have a 10-15 day processing period that created a delinquency when it was the processing time at the company themselves. I also have a XXXX collection account that was paid and I have notified all 3 bureau 's with the payment confirmation number. The balance owed on my mortgage is higher that what I actually owe, I confirmed this with my mortgage company. Finally, there are a few collection accounts with XXXX and XXXX XXXX XXXX, although I made payment arrangements with XXXX to pay 30 % less to satisfy the account, I know nothing about XXXX XXXX. I never signed an application, agreement, never received money, credit or statements. I asked them to provide proof that this account was mine and authorized by me, and after XXXX requests they still have not provided anything, no statements, copy of application, copy of agreement, no proof at all that this account i mine. I disputed all of the above items with all XXXX bureaus and nothing has been investigated, corrected or removed.
I had a XXXX credit card with Comenity Bank and they ended the XXXX Credit card program, I have since paid the card off and they are charging me a {$2.00} free on a closed, paid off account. The fee has no explanation, it is just itemized on my statement as a fee.
I booked an overseas trip online for me & my wife on XX/XX/XXXX with XXXX XXXX. I requested Business Class upgrade ( from economy plus ) for the return trip. We were put in a non-guaranteed waiting list for the upgrade request. I did not expect XXXX XXXX to charge my XXXX XXXX XXXX XXXX credit card the upgrade cost ( {$1200.00} ) since the upgrade was not guaranteed and the return flight is not until XX/XX/XXXX. However, they did charge my credit card for this amount on XX/XX/XXXX - more than 2 months in advance. I called XXXX XXXX to complain about the charge but was informed it 's company policy to charge customers ( in advance ) for non-guaranteed upgrade requests. And they further stated that if I did not get the upgrade, they will refund me the funds. I believe this policy of XXXX XXXX is quite unfair to customers. They take your money for over 2 months without guarantee for the upgrade - meantime, the customer will have to pay the credit card finance charge if the said amount is not paid in full. I therefore request your agency put pressure on XXXX XXXX to stop this unfair policy. Thank you for your immediate response and assistance on this matter.
So I have overdraft fees accrued in the total of XXXX us currency, based on another account holder who was once on my account, this account holder has their own account seperate from my account, and the charges were accrued in that account holders name my name or social is not linked to his account, and he accrued the fees on his own seperate account and the bank took all the fees and overdrafts from my account, I need them to replace my funds it was not authorized or legally acceptable. this bank is trying to hold me accountable for someone who has frauded their account that I have nothing to do with, and now they're telling me I have to close my account to rectify the situation and that is the only way he can come off of my account, and that information was not provided to me over 6 months ago when he was removed from my account, because they were sending my direct deposit info to his email, and I had to call them about that also, Now they have debited my account based on his fraud.
Years XX/XX/XXXX & XX/XX/XXXX I have tried multiple times to contact this place in addition to the credit bureaus to let them know that I am not responsible for this debt I have been a victim of identity theft My car was stolen in XX/XX/XXXX, my home was vandalized in XX/XX/XXXX among other issues I encountered with my taxes where someone tried to file an amended tax return in my name This Place XXXX XXXX will not budge and continue to say I owe them the money when I did not sign up for any school or education assistance with them The Credit Reporting agencies does not believe and will not remove it I did not even receive any kinds of billing which would have alerted me earlier than when I first found out
US Bank is reporting a paid past due account incorrectly. They are reporting that the account was closed at my request. This is incorrect. US Bank closed the account. They can't provide proof of their claim, so this item needs to be corrected or removed from my credit report.
RE : REGIONS BANK I AM WRITING REGARDING THE ERRORS AND ENORMOUS OVERDRAFT CHARGES NOTED ON MY ACCOUNT AND THE CONFUSING MANNAER IN WHICH THE PERIODIC STATEMENTS WERE DESIGNED DURING THAT TIME [ 2012 ] .THIS ONE PARTICULAR ISSUE OCCURED IN XXXX 2012, AN ATTEMPT TO RESOLVE THIS ISSUE WAS DISCUSSED AT XXXX BANKS.I WANTED TO KNOW WHERE THE MONEY WENT AND IF THE EXCESS FUNDS WERE CREDITED TO MY ACCOUNT.MAY XXXX A CHECK WAS WRITTEN FOR $ XXXX.ACCORDING THE BANK STAFF THE CHECK DID NOT CLEAR.ACCORDING TO XXXX XXXX XXXX XXXX WAS PAID {$530.00} ON XX/XX/2012.THIS WAS DONE TO PAY THEIR CHARGES AND {$30.00} FEE.ACCORDING TO THE BANK STAFF THE MONEY WAS NOT PD UNTIL XX/XX/XXXX..THERE WER SEVERALDIFFERENT STATEMENTS THAT REFLECTED THIS TRANSACTION DURING THE PERION XX/XX/XXXX THRUI XX/XX/XXXX.ON XXXX/XXXX/2012 I WAS INSTRUCTED TO DEPOSIT {$600.00} PLUS {$20.00}, BY BANK SAYING THIS WOULD CLEAR UP THE XXXX XXXX XXXX HAD BEEN PAID. 
OTHER ISSUES REGARDING NON-SUFFICIENT FUNDS WHEN THE FUND WERE AVAILABLE..THERE WERE OTHER CHARGES AT VARIOUS TIME EVENTHOUGH THE FUNDS WERE AVAILABLE.AT ONE POINT THE NEGATIVE FEES AMOUNTED TO $ XXXX.THIS WAS A CONTINOUS EFFORT OF EXTRA CHARGES. 
MOST OF MY DEPOSITS OCCURS DURING XX/XX/XXXX THRU XX/XX/XXXX. I ATTEMPTED TO BALANCE MY BOOKS PRIOR TO ANY PAYMENTS.I DID SEND A DETAILED LETTER TO REGIONS BANK XXXX XXXX XXXX XXXX, AL XXXX.
Due to the federal lawsuit filed against Navient, I am concerned that my loans can not be verified. I am also very concerned about the allegations of the Federal lawsuit that have been made and filed against Navient.
As of XX/XX/XXXX, I have been continuously trying to resolve my son 's identity and fraudulent account. I repeatedly tell them on the phone that my son is XXXX as of now and the account was opened when he was probably XXXX. He was born in XX/XX/XXXX, not XX/XX/XXXX like they have stated. The person who stole his identity is incarcerated for running a identity theft scamXXXX XXXX XXXX XXXX XXXX. the original creditor has summoned XXXX XXXX XXXX and they are unbearable, rude and will not stop calling, sending threatening letters to a minor.
This debt is medical and was supposed to be takin care of by my active insurance.There is no proof of we 're this debt is from or y it was n't taken care of by insurance. I would like all the information on this debt and the true collector and origin of the debt.
On the date of XXXX XXXX while trying to make a {$500.00} deposit at a Wells Fargo branch the teller stated to me that I forgot to put my account number on the deposit slip after giving her my money and I.D . The slip was returned to me along with my I.D . but no money was returned. So at this point I feel out another deposit slip and return to teller she says to me I see you want to deposit {$500.00} but there is no money. I stated to her I gave you {$500.00} in {$20.00} bills she replied back that I did not. My issue here is that the bank did an investigation on Monday the XXXX of XXXX because there was no security on site on the date of the incident. My money was returned to my account on Monday evening of the XXXX. The explanation I was given was it was a mistake but never saying what happened and the explanation came from the police Dept. I feel as a consumer I deserve a better explanation then it was just a mistake. My question is where did my money go at that time of the mistake and why could n't the mistake be cleared up at that time. As being a part of an investigation I feel I have the right to know the out come of the investigation in full. Giving me my money back was appreciated but doing this with really no explanation but only it was a mistake is like saying here is your money now go away. Again I need to know the truth in this matter.
XXXX XXXX XXXX pulled my credit report on X/XX/2015 without my authorization.