WillisBack/dataset-financial-user-claim huggingface dataset:
We operate a small business on the XXXX XXXX XXXX. A number of our employees do not have bank accounts and need to cash their payroll checks. We discovered that they were paying a substantial fee to cash paychecks at a local check cashing business. We advised them to cash their checks at the bank on which they were drawn. We were very surprised PNC charged them a {$10.00} fee per check. These fees amount to a significant percentage of an employee 's paycheck. It does n't seem fair an employee should have to work an hour just to cash their paycheck. The branch manager agreed to waive the fee for our employees given our relationship with the bank. However, I fear many other hardworking people are being subjected to similar predatory fees.
XXXX account was used last in XXXX XXXX. According to FRCA rules and Bankruptcy rules, these XXXX XXXX accounts would be have been deleted XXXX. Yet Trans Union consistently using this information and deliberately hurting my credit score. 
XXXX XXXX Accounts were not late at all. It was switched from one program to another program. Yet Trans Union consistently using this information and deliberately hurting my credit score. 
Address is wrong. They can not get the address correct after writing 20 times. The correct address is XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, CA XXXX. 
I have mailed many times to Trans Union to correct these errors. Trans Union is harassing me and deliberately hurting my credit score without verifying information per FRCA law and putting back deleted information again and again. 
I need corrected credit report.
I do not have an unpaid debt with XXXX. I mailed disputes to the credit bureau on XX/XX/XXXX and XX/XX/XXXX to have this account deleted from my credit and they are refusing to do so. The account number being reported to my credit is " XXXX '' but I can also see an account number that says " XXXX ''. The amount for the account is {$180.00}. I have personally called XXXX and their customer service representatives can not find any records that match my personal information. They also do not have any information that says I owe them {$180.00}. This does not make sense because the credit bureau keeps telling me that I need to call XXXX to dispute this account. How can this be possible? This is not my account and I need this to be deleted from my credit report immediately.
In roughly XXXX, I was called by an XXXX call center commissioned by Walmart to collect a debt. The representative stated I owed some outlandish amount nearing XXXX XXXX dollars American. I challenged the claim stating '' I find that hard to believe as I only have a XXXX dollar limit ''. The representative shrugged this off and proceeded to ask how I was to pay. I asked for an American counterpart with none given and hung up. I contacted GE money, who carried Walmart credit card accounts and informed them of the error. The representative opened my account and too was shocked and laughed at the error. He assured me it was cleared and I checked. It was XXXX balanced. 2 weeks and another phone call from XXXX this time willing to give me a break and I only owe XXXX XXXX. I hung up, immediately called the GE rep. Who was astonished that the amount had been again inflated from XXXX. He again XXXX the account, and I further asked him to close said account. It was done confirmed, and I have not looked back. Now Syncrony bank the new GE money crew are threatning me with a law suit of XXXX dollars in late fees, penalties etc. On an account I cant even get into to check as it is indeed closed. I have informed them of the latter and they in turn have sent me a supposed verification of the amount owed which is contrived of debt going back to XXXX, and skipping through the years of XXXX, and XXXX when closed. The information is not complete and contains only the penalties and late fees, but no actual charges for goods. I do not owe them, yet they are threatening wage garnishment in Oklahoma where i reside. When I tried to contact Walmarts fraud department I was given the number. When I contacted the number it was a direct line to the same group trying to sue me. This all sounds illegal and fraudulent.
XXXX credit services is saying that I owe XXXX money when I do n't. They 're saying it 's from 2011, I did n't even have XXXX then. I had XXXX.
Collection agency is trying to collect a debt that does not belong to me. Account was re added after having already been removed. Account was already removed from 2 other credit bureas years ago after they verified that the debt did not belong to me. Account appeared in XXXX of XXXX while I have not had a XXXX account since XXXX.
On XX/XX/2017 I received a letter from IC Systems stating that I owed them XXXX. I sent them a certified letter asking them to validate the debt. I received no information validating the debt they state I owe, They however proceeded to report this debt even though it's under investigation to all three credit agencies which is a direct violation of the of the FDCPA Section 809 ( b )
Some years ago my former husband and I had a " PMA '' account with Wells Fargo. When we closed that account this year, a checking account that was included free with the PMA account was converted into an account for which a service fee was charged. This was done without our knowledge or consent. XX/XX/XXXX I received a statement from Wells Fargo that had a negative {$30.00} balance. I immediately called and was told not to worry about it. The account was closed and I would be receiving a statement with a XXXX balance soon. In XX/XX/XXXX I received another statement and this time the negative balance was {$60.00}. Again I called and was told the account was closed and the balance was XXXX. Today I received a notice from a collection agency for {$60.00} -- and then I spent nearly two hours on the phone with WF being transferred from one person to another with a lengthy hold period between each. The final person I spoke to told me there was nothing she could do. The account was in collection. I would have to pay it and suffer the negative consequences on my credit rating. 
I want Wells Fargo sanctioned for this kind of abuse. And I want them to provide me with documentation stating that this matter was sent to collections in error.
Previously deleted inquiries were deleted then read dedicated without notification or validation XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Equifax has repeatedly sent this response to me- '' Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute. " I snt the following to them CONFIDENTIALEquifax Security DepartmentFAX XXXXTotal Pages : FROM : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXDOB XX/XX/XXXXXXXXH XXXX XXXX cell XXXX XXXXXXXXXXXXSUBJECT:1. Correct my address. Delete XXXX XXXX XXXX. There has NEVER been an apartment. It is a home. 
2. Correct employment to : XXXX XXXX XXXXAttached:1. MI driver 's license2. Homeowners policy3. Utility BillAlso- Delete the address XXXX XXXX XXXX , XXXX , MI XXXX. I have never lived there. This address was reported to you by XXXX. It was the address used by the thief that stole my identity. 

Please send updated report to me email or hard copy.
they got my name from somewhere and sent me an check in the mail I never ask for I do n't think it should be legal Republic Finance and they lied about me begging them for a loan in  XXXX  TN .last year they do many checks in mail to many people I told the the motor blew up and i had to replace it .I only get   XXXX   income they waited the day before to get it
I am so exhausted sending letters to Equifax about this issue.. I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please step up and delete Bankruptcy : Discharged CH-XXXX XXXX-XXXX-XXXX
Case Number : XXXX Merchant : XXXX XXXX XXXX Date of Transaction : XX/XX/XXXX Disputed Amount : {$27.00} Please be advised that I am in receipt of your letter dated XX/XX/XXXX concerning the above captioned dispute. By way of this signed letter, I will continue with disputing the above listed information. On the evening of XX/XX/XXXX, I placed a take out order for two # 5 combo sandwiches and two # 6 combo sandwiches. The merchant made a mistake by giving me two # 7 combo sandwiches ( see attached sales invoice ). Immediately, after arriving home, I called and informed the merchant, driving to make an exchange at the merchant was not an option as it is a 40 minute drive. Subsequently, I received a phone call from the owner XXXX XXXX who was very sarcastic and condescending claiming they " rarely make mistakes '', " I must be wrong '' and that he records videos and voices of all his customers. In fact, the same cashier who took my order, ran out the door after me to inform me that she forgot to give me my soup. 

The merchant sent a lengthy and wordy letter that basically proves nothing to the contrary, unless, the merchant can provide concrete proof and evidence that I as a customer placed the wrong sandwich order, than my initial dispute should stand as being correct.
I have filed a fraud report to each credit bureau. The disputed information was removed on XX/XX/18. The information reappeared on my credit reports. I have not received any written notification as to why it was added on my reports again Which Is a violation of my consumer rights. 

The information that was regarded is as follows : XXXX XXXX - {$2800.00} XXXX/ XXXX XXXX {$450.00} XXXX XXXX - {$1100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
I have emailed and mailed a copy of my Bankruptcy discharge to Capital One numerous of times in XX/XX/XXXX for the amount of XXXX which was included in my Bankruptcy discharge. Capital One has acknowledged recievment of the document, but its still listed on my account. I would like this information deleted from my credit report as it is not accurate. 

I will be escalating this matter further! 

A creditor is not allowed BY LAW to continue punish you after a legal discharge of the debt. Capital one is in violation of the FCRA by reporting a balance other than XXXX dollars to the credit bureau. This matter needs to be address immediately. This Bankruptcy was filed in XX/XX/XXXX, why am I still dealing with this issue???
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2013 30 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I got, mistakenly got a credit card from Walmart. I thought that was good. I went to the Walmart store on XXXX XXXX, here in XXXX, and bought a {$100.00} dollars worth of groceries. I have had trouble paying on the bill. To cut it short, on that amount of groceries ; my latest bill in XXXX is {$210.00}. That much for only {$100.00} of food. I feel I am being scammed, and that card was a mistake. I have talked to them. They refused to back down. Can you help me?
I was contacted in XX/XX/XXXX by mail from I.C Systems Inc. regarding an outstanding balance of {$200.00} dollars. I called them to get more information about this debt, but all they would share was the account debtor was XXXX XXXX with a balance of {$200.00}. I immediately disputed this debt and requested a itemized statement from them detailing why this amount was owed. I also informed that I requested XXXX XXXX to have this account to be closed almost 5 years ago, and up until now, this account was closed by me in good standing. The person I spoke with was not able to access this information, but ensured me that she would send it as soon as possible. I Never heard back from them, until I received and alert from XXXX XXXX that this account was reported on my credit report as of XX/XX/XXXX. 

This company has no records of why this amount exists and failed to follow up with the information I requested to establish why this account even exist after 5 years of service. Then, recklessly reported this to the credit bureau in XX/XX/XXXX, as a result, damaging my credit score, as if this account new as if I failed to currently keep my commitment.
I returned from  XXXX  in   XX/XX/XXXX , a nd in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a   XXXX   XXXX   fro m XX/XX/XXXX  unti l   XX/XX/XXXX , a nd then returned  in  XX/XX/XXXX  through  XX/XX/XXXX  t o  XXXX   XXXX  and   XXXX   at   XXXX   XXXX   XXXX  .     - According the credit reports I have managed to obtain, all accounts were opened and used while I was in  XXXX . I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the accounts -  two have  been removed from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from  XXXX  that they had no record of the account and then refused to continue any investigation ; additional letters only resulted in their sending me a package with all statements from the fraudulent account.     - The disputes came back from each CRA, including  XXXX  and Experian, with no changes. I have sent all CRA 's, including   XXXX   and Experian, substantial proof that I was living in  XXXX  at the time the accounts were opened and used in the United States. Regardless,   XXXX   and Experian have not fully investigated the issue or accounts nor removed the fraud from my credit report permanently.   XXXX   only finalized this issue because of the complaint with CFPB because they realized they did not follow the law in completing the investigation.  XXXX  and Experian are also not following the laws in credit reporting by not accurately and completely investigating the issue despite all of the documentation provided.     - Becoming  XXXX  as an adult and not able to use   XXXX   XXXX    ( or  XXXX  ), it  is very difficult to communicate with the credit card companies myself. I send everything through letters or fax but those documents are not accepted as they will only " speak '' with me over the phone in order to validate my information.     - There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts.     - I have again attached documentation of proof of   XXXX   XXXX    timeframe from   XX/XX/XXXX  until  XX/XX/XXXX  i n  XXXX , police report, and FT C Affidavit.
This company, AFNI , Inc., has added a collection to my credit report. I have disputed this account with this company in the past after they added this identical account to my credit report a few years ago. I have explained that this account was a result of identity theft, filed a claim of identity theft with the FTC in the past and added an alert to my social security number after this incident occurred. The account was then removed but the creditor has again added it to my credit report.
Re : Chase account XXXX To Whom It May Concern : I would like to dispute the validity of chase account XXXX. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I request a copy of all information use to open this account. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? I also request a summary of you dispute process Thank you Sincerely,
There is an error with the balance being reported with my " XXXX XXXX XXXX XXXX  '' account. 
My statement balance is {$0.00} but it was reported as {$320.00} and negatively impacted my credit as a result. Please update my account to reflect my {$0.00} balance.
Tried to get the loan modified with Wells Fargo many times. Each time we would be give trail payments, we paid on time. Once we compeleted the trail payments we would be told that there was paperwork missing or there was a problem with the loan. Each time we cleared up the issues. we were told that Wells Fargo would reinstate the loan, then we get a phone call from a totally different Rep. stating that the mortgage could not be modified because the value of the property had increased in value.
I am an executive at XXXX and thankfully I 'm gainfully employed with an income exceeding $ 250k. My credit report was tranhshed due to late payments incurred for the months of XX/XX/2014-XX/XX/2014 on my Chase SouthWest credit card. The payments were missed due were missed by my due to an error that related to scheduled auto payments that I believed were setup with my bank. 
I also ended up travelling out of the country during this time, and was unaware of the issue of the missed payment. Ironically, Chase called me only once, at that time I was checking out through customs and being hurried and was not able to comprehend what the phone rep may have been saying. When I finally arrived back, I realized the delinquency on the chase account, after which I promptly made the account current. 

I had spoken to Chase 's customer service who had asked that I provide them with my bank statements from the time to prove I had sufficient funds to make the payment. I sent Chase statements from XXXX of my banks which showed my checking account balances were consistently over {$30000.00} during the period of the late payments. 

Much to my surprise Chase refused to remove the late payment, in spite of me providing them with the information they had requested.
I contacted Navient regarding XXXX private loans on XXXX XXXX, 2015, I called in to the Navient customer service line and was advised by representative XXXX that I was eligible for revaluation of my monthly loan payment amount, due to recent change in income due to health related events. She advised me to call back in on XXXX XXXX, 2015, after my payment due date of XXXX XXXX, 2015 and request a revaluation of finances in order to decrease my monthly payment amount. She also offered to give me a call on the XXXX XXXX, 2015 at XXXX in order to assist me with the revaluation of finances. 

When I did not receive a call from this representative on XXXX XXXX, 2015 at XXXX, I called in and spoke with representatives XXXX and XXXX. They XXXX explained that I was misinformed by representative XXXX and that I was not eligible for loan payment recalculation and any that any possible payment that I make, below the past due amount for the month of XXXX, would not bring my account back to current status. 

I have since contacted the Navient advocate department via phone on XXXX XXXX, and requested that my call with representative XXXX be reviewed and revaluation of finances be granted do to the misinformation I was provided. Presently my XXXX private loans reflect past due because of this. 

XXXX contacted me late in the afternoon ( XXXX -- she leaves for the day at XXXX, this left me little to no time to return her call ) on XXXX XXXX during my scheduled work hours, I was unable to take her call. She left a message providing me with her extension XXXX, however I have attempted to contact her several times and she remains unavailable, with no option to leave a voice mail message. 

I have sent XXXX several direct e-mails, requesting that she contact me via e-mail as to avoid further miscalled and miscommunication. I have received no response from her, and my account continues to reflect past due amount, putting me in danger of being removed from the payment program, and ultimately affecting my credit score. 

I would greatly appreciate your assistance with resolving this issue.
I have never signed a contract or entered into a legal agreement with your company or firm. No information has been sent to me and nothing has been proven that neither the information you many have or the debt belongs to XXXX XXXX. Your company has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. This is to serve as your legal notice under federal law ( The Fair Debt Collection Practices Act ) to cease all  communication with me in reference to the account above. I do not have an account with your company nor have I ever has an account with any company you claim to represent. Remove this account upon receipt or I will file suite against officers of your company and your company within 5 days. 

This company has 2 different collections on my profile!
On XXXX/XXXX/XXXX I initiated modification proceedings in good faith with BOA. At this time I was receiving at least one call per day, including Saturdays. I also was told in the paperwork and in phone conversations that I would have a single point of contact which turned out to be several individuals who would continue to harass me XXXX to 4 time a week. Having completed and submitted paperwork which included a 3rd party questionnaire where I, being new to this, stated that I have had contact with a third party counselor and could seek their help if it would be beneficial to my cause. On or about XXXX/XXXX/XXXX I received the street comp valuation of my property. I soon found out that a trial offer had been submitted and when contacted by BOA was assured that I did not have to make payments til XXXX/XXXX/XXXX. Being right before XXXX and having been reminded every single time I was contacted that there was a notice to accelerate foreclosure that expired on XXXX/XXXX/XXXX, and that they did not need to give me any further notice to foreclose on my property. Being under this duress and the financial strain from a loss of income from our small business and my wife needing XXXX on XXXX/XXXX/XXXX which delayed her taking a job til XXXX I indicated I could accept their offer which apparently came through the Streamlined FHA Mod Program. My complaint is thus, I was not informed of the particulars of the modification except for the details of XXXX trial payments of {$630.00} then 6.75 % ( the rate on the current 30 year mortgage ) and for a term of 40 years. I still do not at this point know exactly what they will be financing, what fees they will expect me to pay and how charging me an extra {$40000.00} in interest makes this affordable. I was told that being that we were in financial distress and qualified for the modification my credit score would not be used to determine any of the parameters of the modification.