WillisBack/dataset-financial-user-claim huggingface dataset:
Key Bank has incorrectly reported a late payment on an account that they refuse to correct despite numerous attempts to remediate via the local branch and the corporate credit office. I have bank statements from my account and have been provided a payment history from Key Bank which clearly show 2 payments made in XX/XX/XXXX negating the need for a payment in XXXX. Several employees including the branch manager, XXXX XXXX, have agreed that the reporting is inaccurate and have assured me that they will get it corrected yet months upon months continue to go by with NO results. I have filed credit disputes with all 3 bureaus two separate times ( XX/XX/XXXX and XX/XX/XXXX ) and they keep stating the account information is updated yet payment history is still showing a 30 day late payment. 

After the first promise from XXXX XXXX that this would be handled and the ball was dropped I made it clear that I expected it to be handled for certain this time around to which he guaranteed it would be and was confused as to why it wasn't corrected. He then passed the buck to another employee XXXX XXXX who has been in contact with the credit department to get this resolved, all to no avail. I keep getting lip service that someone will handle it and it's not happening. It's been over a month now that I've been promised from XXXX and XXXX that someone will correct the reporting and I have no answer. This is despite the fact that they assured me it would be quicker to have them handle it directly with the credit department rather than going through the credit department myself which I was told had a timeline of 30 days which I made clear was unacceptable considering I'd been trying to have this handled since early XX/XX/XXXX. 

The company is violating credit reporting laws by continuing to report this payment as late. My next step is contacting the Attorney General to get results as this is negatively impacting my credit portfolio.
On  XXXX   XXXX  , 2017, I went  to  the Western Union l ocated on  XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  to send a money transfer in the amount of  XXXX    XXXX   or {$7600.00} to my bank account in  XXXX ,  XXXX . It has been three months and I still have not received any information. I have called every day since sending the money and I have been told that the matter would be escalated to the direct to bank department and that I would receive a call back and no one has ever called. Today I called several different numbers and they informed me that it was deposited into the wrong account and could not be retrieved. Basically, they are refusing to refund me the money or attempt to collect the money to the account that it was deposited to.
Today : XX/XX/18 I tried to call and resolve my debt and the debt collector was rude, antagonized, and belittled me, and when I said I would review my finances and call back in a couple of days he told me they would mark the account as a refusal to pay and hung up on me. I proceeded to call back and insist that I did NOT want a cease and desist placed on my account, that I wanted to pay it, but needed a couple of days to review my finances to which he responded reviewing finances does not take a few days, the debt is delinquent, and if I was serious about paying it I would pay it now, he then proceeded to tell me not to call back, and hung up on me a second time. I reached out in good faith to resolve this, and was insulted, belittled, and told that I would not be able to resolve it.
I've paid my monthly payments for years with the same account and now they will not accept my payments through this account over the phone but I can go to one of their locations and make it on the same account with no problem with the account that they don't accept over the phone
Where do these accounts come from? I have no business transaction with any of these accounts. The account should be remove because they don't belong to me..XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX   XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX  ) XXXX, XXXX/XXXX XXXX
Following are the sequence of events. 


XX/XX/XXXX : A payment in the amount of {$220.00} was made to XXXX XXXX insurance from my credit card ending in XXXX. 
XX/XX/XXXX : I called to put a hold on that payment in the amount of {$220.00} to XXXX XXXX XXXX because I thought it was fraudulent. 
XX/XX/XXXX : After realizing it was not fraudulent I called Chase credit services to cancel the hold and resubmit the payment. 
XX/XX/XXXX : My credit card was charged in the amount of {$220.00} for resubmission. 
XX/XX/XXXX : up to this date XXXX XXXX has not received any payment in the amount of {$220.00}. 


Fact remains that a payment of {$220.00} was made from my credit card which XXXX XXXX insurance claims they never received at their end. Both parties are at the denial stage. No one accepting any thing. payment has been deducted from my account but never received by state farm insurance. Chase credit card is not giving back me the amount. I have all the proof and correspondence with both companies. 


Please look into this matter and help me resolve it. 

XXXX
Fay Servicing started servicing my mortgage in XX/XX/XXXX. Fay service illegally added property tax debt to my mortgage without legal cause. The amount changed my monthly payment from {$1000.00} to {$1300.00}. They wrongly placed my line 3 months late and in fact I was only 25 - 30 days late causing credit rating of late and none payment to race credit risk and low credit score. This company has reported incorrect information too XXXX   and other credit company. Please not how there is no request from Fay for new loan, but my mortgage payment per month has changed 4 times since XX/XX/XXXX with this company falsely. Even as late as today, wrong information is reported, they are still reporting my monthly of {$1100.00} which is wrong. My monthly payment has been came for years in the amount of {$1000.00}
On XX/XX/XXXX, I made a remote deposit to my Chase personal checking account, with a check for {$2800.00} written from my account at XXXX. Chase indicated that there was a hold on the deposit. On XX/XX/XXXX, I called XXXX to get the hold lifted on their end. I then called Chase and spoke to a representative who put me on hold, called XXXX, and then told me that the hold on the deposit had been lifted and the funds would be available for me to use immediately. 

On XX/XX/XXXX, I logged in to my Chase account online and saw that, on XX/XX/XXXX, the check had been returned and a {$12.00} " deposit item returned fee '' had been assessed. I called Chase and spoke first with an agent, and then with the agent 's supervisor, who told me that the check had been returned because according to XXXX there was a hold on the check. I then called XXXX and they told me that there was no hold -- as I had been told on XX/XX/XXXX. 

Neither XXXX nor Chase will refund the {$12.00}. XXXX will not refund the fee because they are not the ones who charged it. Chase will not refund the fee, because they claim to have been acting on information provided by XXXX. That is to say, Chase claims that the check was returned on XX/XX/XXXX because XXXX indicated there was a hold on my XXXX account, even though both XXXX and Chase told me on XX/XX/XXXX that the hold had been lifted, and XXXX confirmed on XX/XX/XXXX that there was no hold.
I went to finance a car and my credit report says i have student loans from the college XXXX. I have never lived in XXXX. And i never went to college. I have lived in XXXX all my life.
Wells Fargo is involved in fraudulent bank practices again. There was a misunderstanding with the city of XXXX as I opted for installment payments but a legal order was placed on my account, which I got it rectified with the city of XXXX on XX/XX/18 but Wells Fargo charged me a legal order processing fee of {$120.00}. I believe this to be a ripoff. I was never made aware of such a fee and I called to have it reversed and was told that it was in small print on page 46 of a supposed booklet or packet I received when I first signed up. I have had Wells Fargo for years and this is an outright scam. The lady on the phone said she could give me a partial refund but I want a full refund of my {$120.00}. Very dishonest banking practice. I will be closing my account and never banking with Wells Fargo again. I will also notify and warn other users on my social media and family and friends to beware of Wells Fargo.
A local finance company charges that I put my car up for security on a personal loan. I 'm late on payment & they are threatening to have me arrested. I never agreed to putting my car up, in fact I did n't have a clear title on the car. I asked her if this meant I was putting up my car, & she insisted no. They also charged me for auto insurance at a huge rate as a requirement get the loan. This was supposed to be a personal loan, not a title loan. I believe the company lied to me on many occasions
On XX/XX/2017, I pulled my credit report from Experian. After examining the report I noticed several accounts that were past the 7 year date and was still on my report. ( XXXX # XXXX ) and ( XXXX # XXXX ). I wrote a letter to Experian and requested that these accounts be removed. On XX/XX/2017 I sent this certified letter ( see attached ), requesting that this information be deleted immediately. Today is XX/XX/2017 and I have yet to hear from Experian. Please assist in having these invalid accounts removed from my credit report.
XXXX XXXX bought a debt from XXXX the original amount with XXXX was a fraction of what the collection company XXXX XXXX XXXX XXXX is harassing me for now. I had worked with XXXX to reduce the amount they had inflated and began to negotiate a better payment plan. However they double backed on me and sold the debt to XXXX XXXX who has now increased the interest and is calling me and trying to serve me a court order. My research has shown me that they are not so above board and are even in bankruptcy. 

I am willing to make a deal to pay off the original amount, but not the over {$1200.00} they are asking for now.
I am making my monthly minimum payments to all of my loans but they are not being applied correctly. this is the 2nd month in a row. Navient claimed I hit the button that says " advance my payments '' but I could n't have since my loans are paid automatically through ACH. The minimum on XXXX loan is {$42.00} of the monthly {$360.00}. On my XXXX 2016 and XXXX 2016 auto-draft payments, only {$4.00} was applied to my $ XXXX monthly payment and the remaining {$37.00} applied to the other XXXX loans on my account. I have ordered them to re-allocate my monthly payment correctly. I believe they are intentionally under-paying the $ XXXX monthly loan because I have been aggressively paying extra payments on that one. I believe they are hoping I 'm not a vigilant payer in attempts to keep me in my loans longer and accrue more interest.
I sent a letter requesting validation for a debt on my XXXX credit report. The debt is with Indepedent Recovery Resources in the amount of {$110.00}. I sent my first letter in XX/XX/XXXX and did not get a response. I sent another letter on XX/XX/XXXX and once again no response.
I lost my job and had a hard time paying off my credit card. I tried to resolve this by contacting Wells Fargo but they never responded or helped me. Eventually they let charges stack well past my actual credit limit and then sued me for collections. 

A lot of mistakes and over charges were happening which compounded the issue even further.
On XX/XX/XXXX i contacted XXXX XXXX XXXX XXXX to report unautorized charge on my Citi Visa card, after a long time on the phone automatic system finally I spoke with the rappresentative, long story shorth : she closed the account on the spot ( so now I'm unable to use it myself ), send a replacement over nigth to my home address ( my PO Box address 7 days or my house overnitgh ). 

I found out that my daugther wile making a XXXX purchase on XX/XX/XXXX she was charged on unknown cc #, ( my cc # ) she has my same last name, but she has not my CC # 's. so the miss charge was XXXX error. 

Now XX/XX/XXXX I want to report to Citi Card that the charge was NOT a fraud, but have been unable to do so, because when I call the XXXX XXXX XXXX XXXX ph XXXX for citi card, has soon as I enter the last four # of my cc the line drops. 
So I'm unable to contact they'r customer service.
I have sent a notice of dispute with XXXX XXXX XXXX. I ahve no knowledge of this account belong to XXXX XXXX XXXX. I have never signed a contract or made any transaction with XXXX XXXX as well as XXXX XXXX, XXXX as a debt collector.
XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Ca  XXXX  A lliance One  Rec Mgmt  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , WA  XXXX   RE : A cct #  XXXX    XXXX   XXXX   XXXX   To whom it  may conc ern : I would like to dispute  XXXX  accounts being held in collections with  Alliance One Receivables.    The following accounts were settled in  XXXX  and are related to each other. In  XXXX , I was pulled over in   XXXX   XXXX  , CA for an expired registration and found I was driving on a suspended license. Clerk o f Court  of  XXXX   XXXX , Fl. had received notice from North Carolina, that I owed a {$50.00} late fee on a speeding violation that I was late in paying in  XXXX . In   XXXX  , North Carolina and Florida both joined th e DMV n ational registry and ordered the suspension of my California drivers license which Id had since  XXXX . My car was impounded. I had to pay {$50.00} to North Carolina and pay any and all fines associated with my drivers license in order to get my license and registration reinstated. It cost me roughly {$1200.00} in  one da y between  XXXX ,  XXXX   XXXX , and  XXXX   XXXX   XXXX  to clear my driving record, reinstate my license, and renew my registration in order to get my car out of the impound in  XXXX   XXXX . All settled and resolved in  XXXX .   In   XXXX  , I was involved in another incident and as a result had my license suspended once again. I received multiple citations that I paid to  XXXX   Superior Court  and to  DMV in order to restore my driving privilege. It was a 9 month process paying off all outstanding court fees and it again it was settled. Yet, Alliance One claims that  I have still have outstanding traffic fees still in collections dating back to   XXXX   and   XXXX  . Please note that Citation :  XXXX  is from  XXXX , besides the fact that I had a bankruptcy that was discharged in  XXXX  and having zeroed out the balance with   XXXX   XXXX    Superior Court and DMV at least  twice since  XXXX .   I am disputing the following accounts currently in collections with  Alliance One  and ask that they be removed as they were both settled in  XXXX .    Alliance One  Acct #  XXXX  Docket Number :  XXXX  violation date  XX/XX/XXXX  XXXX   XXXX   XXXX  {$910.00} Citation :  XXXX   XXXX   XXXX   Clerk of Court  {$160.00}.     Thank you,   XXXX   XXXX   XXXX
A representative from a company named Concord XXXX phoned me claiming I owed for a pay day loan from XXXX. The representative could not identify the company where the loan originated. She knew my address and said numerous attempts were made to serve me a summons. She also claimed they were representing XXXX XXXX, a clearinghouse for collecting pay day loans. My credit union account shows no record of any pay day loan during that time.
Received a check from a customer of mine. Their check was from TDBank for {$86.00}. So I went to TDBank to cash it, thinking that is where it was drawn ... TDBank was going to charge me a {$7.00} fee to simply cash the check! When I gasped, they told me this is an industry-standard fee! Not at my bank! 

For people unfortunate enough to not have a bank account, this is highway robbery!! There should be somewhere people do not have to pay a " poor tax '' just to get access to their own money! 

I personally bank with XXXX, the oldest credit union in the US and they have NO FEES -- other than overdraft fees, but theirs are among the lowest in the industry and they offer an even lower fee option when you link your savings to your checking. They offer all kinds of online banking, a smartphone app for mobile banking, great customer service, local and national discounts on insurance, travel, and other perks, convenient locations to me and travel support, so I know where to bank less expensively when traveling outside the US. 

So far I love everything about XXXX and would never bank with a such a short-sighted, fee-first company as TDBank!
I 'm in the process of trying to cancel American Express Credit Card for my mother. She has never requested this credit card and is unable to cancel herself as she is elderly, suffers from XXXX, and does not speak XXXX. I believe she 's been paying for some time now, because she did not know how to cancel it. 
When I called American Express, they said she needed to be with me or have a power of attorney. My mother lives in XXXX, and I am in XXXX. We will have to go through great lengths to cancel a credit card she never asked for. I would like American Express to not only cancel this card, but stop preying on the most vulnerable for financial gain. 

Sincerely, XXXX XXXX
XXXX  I received notification tha t American Express was cancelling both of my American Express Credit Card Accounts. This came as a   surprise as I have never missed a payment since I have had the accounts. I called  American Express to inquire about the account closures.    I was initially told that my account  ( s )  were being closed because :  1. O n  XXXX   XXXX ,   XXXX   my   XXXX    Score was  XXXX   2.  Ratio of revolving account balances were too high 3. There is no recent information about installment accounts   4. There are too few accounts currently paid as agreed 5. Payments were being returned unpaid by my bank 6. Excessive cash advances 7. Excessive Travelers Check requests a. Never requested any Travelers Checks at anytime from American Express.
b. Only used my card once in the last 10 months for a cash advance.      c. American Express Collected  a payment of  XXXX  on  XXXX   XXXX ,   XXXX  . However , American Express  denied receiving/collecting the  XXXX  payment on  XXXX   XXXX ,   XXXX  . My bank statement denotes the payment being returned with  XXXX  reference number and shows the payment being successfully processed on the same day d. There are no late pays on my credit report. I have never had a late payment with  American Express at anyti me e. As for the ratio of revolving accounts, I only have the  XXXX   XXXX   credit c ards and no other credit account s f. Last  time I checked,  XXXX  was a soli d credit score Af ter noticing the error on my bank statement ( for the  XXXX  payment ), I conducted a brief review of my  American Express CC Statement Payme nts vs my  XXXX  Checking Account.     I discovered  two p ayments in the amount of  XXXX  each were collected on  XXXX  and  XXXX  by from my  XXXX  Checking Account and never credited to my  XXXX  accounts.     Today I contac ted American Express an d requested that they reinstate my cards. My requests for reinstatement was denied  by American Express
XX/XX/2018 i looked into rates on 2 companies for an installment loan, they both promised that they were soft credit checks and when i did go to apply for one loan i found out that avant had done a hard credit check even though i didn't agree to that. 
so i need that removed from my credit report.
Denied credit line from XXXX XXXX due to delinquent student loan report on credit report. Contacted XXXX since I had been paying on my account and filed a dispute with XXXX. XXXX informed me that they did not report to the bureaus as my account was not in default. I then received a forbearance. Dispute from credit bureau stated info correct. Contacted XXXX again where they verified the loan was not in default and had not been reported to the credit bureaus. Sent a letter that states as much. Filing another dispute with crwdit bureaus with documentation attached. Contacting this agency with concerns the reporting is obviously fraudulent. I believe local law enforcement agencies and XXXX County School District depts. responsible for fraudulent reporting as means of retaliation for grievances, complaints, and EEOC claims of bullying, harassment, discrimination, and retaliation.
Filled for Bankruptcy XXXX/2016 All student loans removed under XXXX XXXX  and switched to navient.
Being charged up to XXXX in interest per 9 loans.
Denied for repayment plans.
XXXX XXXX and XXXX College obtained loans under false pretenses.
I have contacted navient/XXXX XXXX/ XXXX XXXX/ and XXXX College without success.
I have attempted numerous times to give Equifax the opportunity to delete these XXXX accounts that has not been verified nor did they respond to my request for method of verification per FCRA Section 611 ( a ) ( 7 ). The accounts in question are : XXXX, XXXX, and a public record XXXX. These accounts are NOT MINE and they have not been verified. I will also be sending this same complaint certified mail for the last time. If no resolution I will be sending a letter of intent to sue.
I am being harassed by a company called CBJ collections stating I took a payday loan in 2009 of {$600.00}. I have no recollection of that whatsoever, and they refuse to send me any documentation stating proof of debt. They have verbally harassed me with foul language and threatening court. I want all of this to stop ... they have called family members immediately without giving me anytime to call them back. want my name to be removed and to stop passing my name to other collection agencies.
XXXX XXXX XXXX XXXX, Joined XXXX XXXX  located in XXXX, IN in 2010 and soon found out the the company could not live up the fake advertisement and promise of getting quality product in an timely matter. We cancel our membership with XXXX XXXX  and notify XXXX XXXX that we are no longer an member this club. We made payment according to the initial signed contract for a couple of month more until we found out that XXXX XXXX was not going to release us for the service agreement with XXXX   XXXX. Both, XXXX XXXX  and XXXX  XXXX ask and plead if we would give XXXX XXXX another opportunity and we did not base on the poor management, customer service, and lack of product. Eventually, XXXX   XXXX turn the account to XXXX XXXX XXXX XXXX collection agency to collect and we ask National Finance for the validation of debt and we did not received anything for XXXX XXXX XXXX XXXX or XXXX XXXX. We request the National Finance remove the collection off of our credit report immediately. This is attempt to collect debt that we do not owed. 

XXXX XXXX
I have a collection account on my credit history but this collection account is paid. I submitted the documentation that this account is paid and yet Experian denied my appeal.
On XX/XX/XXXX I made a payment arrangement of {$60.00} per month on a little over {$1000.00} balance I owed to The Cash Store located in Post Falls, ID.XX/XX/XXXXwas supposed to be the next payment and it was not debited from my account so later in XXXX I made a {$120.00} payment, {$60.00} for XXXX and {$60.00} for XXXX. Granted I talked to two different people for these payments. I immediately started getting phone calls everyday and I ignored them because I know I dont owe anything until XX/XX/XXXX. The Cash Store called me from a different number and I talked to a different lady who said a $ 60 month payment plan was n't their policy on a {$800.00} something balance that has been unpaid for so long. I asked if their other employees were improperly trained and she said " apparently ''. I feel like this is harrassment because I had a payment arrangement set up between two other representatives. I 'm not getting yanked around like that so I hung up and blocked their number.