WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX at XXXX XXXX I called XXXX XXXX at XXXX XXXX XXXX and spoke to XXXX EXT : XXXX to inquire about the late payments that occurred on my account after the account was closed. XXXX Advised that she could not see any of the late payments that have been posted onto my account. Upon doing an annual credit check I noticed that I had 2 late payments for the months of XX/XX/XXXX and XX/XX/XXXX. My account was closed in XX/XX/XXXX due to a motor vehicle accident that left my vehicle totaled and my account was closed in XX/XX/XXXX. I wrote the company to dispute the 2 late payments that had been put on my account after my account had been closed and instead on XX/XX/XXXX they posted another late payment to my account for the month of XX/XX/XXXX, 8 months after the alleged late fee occurred which caused my credit score to plummet almost XXXX points. Further more the name is reported inaccurately on this account.
On XXXX XXXX, 2015 at XXXX I visited the PNC Bank in XXXX XXXX Georgia. I decided to make a deposit of approximately XXXX in cash in XXXX XXXX through XXXX. Since it was mostly XXXX it was a substantial sized stick of money. I put about a quarter inch of bills into the machine twice. After the XXXX time the machine flashed, you have decposited XXXX ( I do n't remember the odd amount ) would you like to continue. I pressed the button indicating that I would like to do so and attempted to deposit the XXXX part of the funds. When I did so the machine rejected it as it was returned to me. And then it gave me the receipt attached. 

I promptly went inside to report the rather mistake and to find out if the amount was deposited on my account. The gentleman said he would have to " file a dispute. '' and that is could take as many as 10 days to have the issue resolved. 
First of all it is not a despite when mortgage and tuition money is being held and a simple balancing of the machine can rectify the issue. 
Secondly I should not have to potentially wait and be penalized due to an error on the behalf of the bank and its machine. There is absolutely NOTHING on the machine indicating that I am depositing funds at my own risk. If I or ANY CONSUMER knew that when depositing cash in a machine if there is an error there is a CHANCE YOU CAN LOSE YOU MONEY DUE TO A DISPUTE I think fewer people would make such a decision. 

I need this issue resolved IMMIDATELY as I have bills to pay and it has put me and my family in financial duress.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Describe events in the order they ocurred, including any names, phone numbers, and a full description of the problem with the amount XXXX XXXX ) and date XXXX XXXX ) of any transaction XXXX XXXX ). Be as brief and complete as possible to make the explanation clear. Do not include personal or confidential information such as your social security, credit card, or bank accounts numbers. 


Have had an account with Chase for approx. four years. Today they told me they are closing my account and refused to tell me why - stating its their right and they are not required by law to say why. Currently there is a small balance and next week my Social Security XXXX payment gets ACH into the account XXXX to late to stop XXXX. I was told Chase would refund the money in XXXX weeks after the account is finished closing. This will make me late on my mortage causing late fees and more. About a XXXX ago I had some NSF from auto debits. I called Chase told them would put money into the account ot cover the overdrafts ( and did so ) Chase even refund XXXX of the NSF fees as I was a good client, plus was told do n't worry everthing is ok. This is the only possible reason I can see why they would do this.
I received a call at my home for an individual thats unknown to me. I asked the name of the company and I asked specifically was this company a collection agency which from 3 different representatives I was denied a response but was given they cant disclose that and was hung up on. I also called back spoke with a manager XXXX which gave the same response. They refused to disclose the type of company after I asked several times. Also I have told this company which I recognize the phone number and told them not to call anymore because wrong number
In 2005 my husband and I opened a safety deposit box account with a Bank of America in XXXX XXXX, VA. We were in the process of XXXX our XXXX baby and caring for my mother in-law who, at the time, was XXXX. A few months after we adopted our daughter I entered into the same Bank of America branch, with my XXXX baby girl, and spoke face to face with a manager on duty and requested closing the safety deposit box account. She agreed and said she 'd take care of it. I trusted what she relayed and did nothing else. We later closed all BoA bank accounts. 
Many years have passed since that time and I learned this account was never closed, the bank billed us on their end for the safety security deposit account but never did we receive anything in the mail except notification from a collation agency in an amount excess if {$870.00}. Since adopting our daughter I 've been sick, working on and off, then I lost all income from the recession as I was a XXXX. 
Today I am healthy, XXXX and I can not qualify for the smallest XXXX loan due to old, out dated ( XXXX ) debt. 

Is there any way someone from your division can assist me in removing this derogatory statement from all XXXX credit bureaus? Your assistance in this matter is beyond appreciated and further needed.
XX/XX/XXXX  amount  XXXX , I was made a dispute at XX/XX/XXXX , cause I not recognize that credit card is my plus I never spend a lot money in one time in any credit card, account number XXXX ,   XXXX   XXXX   XXXX   XXXX  .
As a reported identity theft, i notify to Capital one 360 and capital one with a checking account and savings account i used to had with them, so after few days review, they reopen my account, but they continue on " internal verification '', so after 2 weeks probably, they closed my accounts, and say they ending relationship with me ... but im sure that can change because i made the report based on my identity theft
On XXXX/XXXX/XXXX we received our USAA credit card statement in the mail and discovered a charge for {$590.00} from an XXXX store in XXXX XXXX. They live XXXX miles away from XXXX XXXX and they have a XXXX XXXX XXXX blocks away from their home so they would never travel that far. They immediately called USAA and informed them of the fraud charge. They were informed to contact the XXXX XXXX and work it out with them. That situation ended up getting resolved and they received reimbursement from USAA for {$590.00}. 
There have been many many times that client has tried to make a purchase and they were declined and they had to actually call in and speak with them to let them know it was them so they can allow the charge to go through. 
On XXXX/XXXX/XXXX there was a charge for {$580.00} with XXXX XXXX XXXX that they found on their credit card statement they received towards the end of XXXX XXXX. They immediately contacted USAA and they told the representative that the charge was fraudulent and they were told they need to contact the XXXX XXXX XXXX to dispute the charge. They contacted the XXXX by phone and they insisted that client made the reservation and they emailed client the guest folio. It shows client 's name and the price and it shows the reservation was made from XXXX out of XXXX, XXXX. However the USAA representative advised client the charge was made over the phone. We were never really given a straight answer when we asked for evidence surrounding this fraudulent transaction. We have been a long time customer with USAA going back as far as XXXX.
Wells Fargo has repeatedly charged me overdraft fees of {$35.00} on charges instead of declining them. When I inquired about the charges, the representative told me that I had signed up for overdraft protection. The only overdraft protection I ever signed up for was when I had my checking and savings accounts linked, and if my checking was short then they 'd transfer it from my savings. I did not sign up to be charged this amount for not having enough funds for as little as a {$5.00} charge. 

They are also not allowing charges to post when they are incurred. For example, I had a charge for my child 's tuition and XXXX bill come through on my account, and saw them posted. The next day the charges were gone and the money was back in my account. Then a couple of days later, the charges were there again. This type of back and forth can make someone think there is more money in their account than there actually is. I recently had a charge on XXXX/XXXX/16 and it did n't come through to my account until XXXX/XXXX/16. By that time, my account was overdrawn and that {$20.00} charge ballooned into {$55.00} ( with their {$35.00} fee added ). This has happened to other people that I have spoken to also that have accounts at Wells Fargo.
To whom it may concern : I submitted and complainant on the XXXX/XXXX/2014 : on the letter that yawl send me stated that some complaint. if so something should be done about the same complaint over and should let you know over so that so that should let you know that there is some truth to this matter and I gave the only info that I had. The info that Lawyer gave was Ford and forgery and I do not have A Business on XXXX or any or any ware else. what they are say is I have Company business in my home when I do n't have one so now they base my payment on something that the lawyer say but he is lying about the no business here there was never an business here. was documents that give the Bank America from this Lawyer.
I disputed this bill thru XXXX and XXXX closed and removed and then it was removed from my credit repot effective XX/XX/2017. I thought it was over then Afni picked up an bill that was closed by creditor in the amount of {$1100.00}. Afni then went to contact my entire family. My XXXX year old father. Threatening everyone stating they where from court systems and that an warrant was issued for my arrest. Then they went on to call me after going after my family called me a liar and I asked them to not contact me again.I consider this a defamation of character an would like to see Afni get what they deserve.. I just really want this off my report for good as agreed by XXXX. I wish I could sue Afni. The nerve of them to go back into old closed court records and tell my family I am a criminal while I have lead a productive career.
My  Student loan is h eld thr ough Navient and is paid through Autopay th rough their website. I recently changed  banks (   XXXX    XXXX    ),  and I added the new bank through their website. In  XXXX  of   XXXX  , I was notified I was being charged a late fee because I did n't pay my monthly payment. I called, and customer service told me they could see I made the switch, but it " had n't taken effect yet. '' I questioned the length of time, but was assured it would go into effect for the  XXXX  cycle. So, I manually made the payment on their advice so I would not be in default. I was just notified to day (   XXXX / XXXX /  XXXX    ) that once again, my payment was late. I have attempted to call 6 times - each time I wait 10-15 m inutes, and when the call is answered, it cuts in and out and I am unable to speak to a representative. I am asking for your assistance in resolving this.
I had a 36 lease obligation with XXXX XXXX XXXX. I paid up the last few lease payments with a check of about {$3000.00} or so. Never 30 days late. I ended up owing some taxes which I was planning on paying towards next month bal. of {$1700.00}. I check my credit report today XXXX reported me 30 days late. This is not fair credit reporting to a good paying customer.
I h have a mortgage through Ocwen, I did miss a few payments but two months ago I resumed making payments and they started sending them back. They said they would not accept any more payments on the account unless I could bring the account completely current. I called the company 2 inquire about a loan modification. The call was accepted by someone in XXXX, who spoke so quickly I could not understand him. I requested him to slow down so I could get the help that I needed and he did not. I requested to speak to someone who either would slow down or put me in contact with someone who spoke English he said he would help me and did not transfer me. I downloaded the loan modification papers and fax them to Ocwen 3 days ago and now they say they did n't receive them but I do have a receipt saying that I sent them I ca n't get any help it 's like they want to foreclose.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquiries regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also, future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Oh XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I need XXXX XXXX, XXXX, and XXXX XXXX to OPT OUT my name and information from all their products and remove the inaccurate information. I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute.
XXXX XXXX : XXXX/XXXX/XXXX. 
Credit Card : XXXX XXXX XXXX XXXX issued by XXXX XXXX Barclays Bank Delaware ). 
XXXX XXXX : {$130.00}. 
Merchant Name : XXXX XXXX. 
Website : http : //XXXX/. 

Description : The item arrived damaged in very poor condition. It has huge, open knot holes. The tips of the whales tail are missing paint. Apparently, it wasnt completely dry when shipped, as the tips were stuck to the cardboard packaging. There is a gouge in the wood, along with multiple splits and cracks. There is blue paint splattered on the XXXX XXXX teeth. Lastly, I paid extra for XXXX XXXX for outdoor display, but there is nothing that signifies it is an upgraded item. It simply looks like a rejected piece of plywood. 

Website Description : This large XXXX XXXX XXXX, XXXX XXXX XXXX is swimming along with his mouth slightly open revealing his many XXXX XXXX teeth. His tail is turned so you can see the full width of its wings. A true symbol if the enchantment of the sea! Keyhole in the back for quick and easy hanging. He 's cut from XXXX XXXX plywood. 

Sellers description says nothing about item having knots, splits, cracks, and/or gouges. 

XXXX XXXX : Contacted merchant numerous times requesting a replacement or partial refund. Merchant refused. 

Contacted XXXX Customer Service on XXXX/XXXX/XXXX : The back of my credit card statement states, " If you are dissatisfied with the goods or services that you have purchased with your credit card, and have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. '' Even though I tried in good faith to correct the problem with the merchant, and have not yet paid for the purchase, the XXXX Representative refused to open a dispute, nor honor the terms of the XXXX XXXX.
For its XXXX XXXX, Wells Fargo currently charges 27.99 % ( v ). I understand that credit card interest is in the hands of the card companies, and that they may charge whatever they like! 
There is no cap on interest charged by credit cards.
On XXXX XXXX, XXXX my installment loan with XXXX was paid in full with a check from XXXX XXXX XXXX. The payoff was lower than the check amount in the neighborhood of {$1200.00}. After contacting XXXX on XXXX XXXX, XXXX to ask about the refund, the customer service department explained that it could take up to 10 days to receive the refund back to the checking account they had on file for the loan. He assured me that the refund would be in my account by XXXX XXXX, XXXX. I have not seen the refund to date ( XXXX/XXXX/XXXX ) and spoke to a supervisor at XXXX today. I have been told the refund will take up to 20 days, and that she can not confirm any future date of deposit. I then requested to speak with her supervisor and was told that they do not have a direct line or phone number I can call, but that I must wait to hear back from them via email. I now have no idea when I will receive my refund, and I am incurring late fees and late payment reports on the credit cards this money was earmarked to pay. 

XXXX is exercising control over my property which is in essence theft. They are also making interest on my money which is considered fraud. I think the only remedy would be to pay the money they owe me immediately along with interest and late fees just like they would demand from me if I refused to pay them.
There was a fraudulent inquiry done with Chase Credit Card Services on XX/XX/2018.  Chase reached out to me to see if I applied for a new card. I explained that I had not requested any new credit with their company. They intern mailed me a letter to state that they would have the inquiry removed. I also file a dispute with XXXX and XXXX as those are the two bureau 's that shows the inquiry. It is now a full 90 days later and the inquiries are still showing on my credit bureau report. I reached out to Chase and they have contacted the bureaus by phone and nothing has been removed from my report. I am not involving CFPB as this is a violation. This false inquiry is effecting my credit score and it not fair to me as. a consumer. I would like action taken and would like the inquiry to be removed as the information is inaccurate.
In XX/XX/XXXX I attempted to make my mortgage payment online using the same savings account I had used every month and it was declined due to " invalid account. '' I verified the account number and it was correct. I contacted Ditech and they told me the only way I could use the account is by having the bank contact Paymentus, their online payment system and verifying the account. I was able to have a representative from my bank fax over a statement that the account number was valid and the Ditech Representative took the payment over the phone and waived the fees for making a payment over the phone. 

XX/XX/XXXX I attempted to make my mortgage payment online and learned about a week later it was returned for the same issue. I contacted Ditech and they set up reoccurring payments using the savings account over the phone for the next 3 months ( XX/XX/XXXX-XX/XX/XXXX payments ) and waived the fees for paying over the phone XX/XX/XXXX and XX/XX/XXXX I  made payments online using the same savings account with no issues. 

XX/XX/XXXX- I made a payment using the same savings account on XX/XX/XXXX and only learned when i checked my balance on XX/XX/XXXX that my payment was returned for invalid account. They did not send me any notifications that this payment had been returned. I contacted Ditech and they told me they were not going to be waiving any more fees and I would need to take this issue up with Paymentus because it was a problem on their end or on my bank 's part. They refused to verify the account or routing number that I used and stated that I would either need to figure it out with Paymentus or pay them from another account. I have no other way to pay this bill and they are refusing to take my payment.
I had a loan though  XXXX   XXXX   XXXX  and I was late and I called and made payment arrangements with a loan broker at  XXXX  and I was making extra payments and I was gon na pay it up to date on that Tuesday and they took it on that Sunday. They fired the broker and never got a hold of me and tell me so for that I do n't think it 's fear what they did. Now I have it on my credit report  3 time s and  XXXX  of they are bad. From  XXXX   XXXX  and also o n Grant and Webber.
XXXX   XXXX ,  2017 , I opened a Pep Boys credit card to take advantage of the 6 months same as cash offer that is advertised on Pep Boys web site and at their store in  XXXX , CA. Pep Boys uses Synchrony Bank for their credit cards. I was approved for more than enough to cover the repair however, the Synchrony Bank representative told me I could not use the card for my current repair purchase and had to wait until I received the card in the mail to use it. I would not have spent the time opening the card if I could not use it for the current repair purchase and take advantage of the 6 months same as cash offer. I have no complaint with the service person at Pep Boys. He was very patient and accommodating. I do have complaints about the attitude of personnel at Synchrony Bank.
On XX/XX/XXXX, I attempted to dispute credit information through the XXXX website. The website stated that the information I provided did not match their records. I called Equifax directly and asked them to correct the issues ; however, they stated there was not an issue and that all of my information matched their records. I continued to attempt to access my credit report and file a dispute after verifying my information was correct and was not able to do that. I spoke with several staff members and was transferred to different departments at least 7 times and my issue was not resolved. Equifax stated that there was nothing they could do about the issue. I was unable to file a dispute on this date. 

On XX/XX/XXXX, I attempted to dispute credit information through XXXX. I attempted to enter my information and was provided with a message that stated that my request could not be completed because my information did not match their records. I called equifax and they stated that my information was correct and there was no way for them to problem solve the website error. They also stated that if I access my credit report from XXXX, that I could have access to my credit information. I attempted that with them on the phone and was unsuccessful - again given an error message about my information not matching their records. I was transferred between 2 different departments and spoke with XXXX different people. I was either told that they couldn't help me and that someone in a different department could resolve the issue OR that there was no department that resolves that issues and there was nothing could be done. After talking with the first 6 people, I spoke with a supervisor who stated that there wasn't anyone who could fix the issue because according to their information, there wasn't an issue. She stated that she would 'escalate ' my concern, then said they wouldn't call me because they don't initiate " follow ups ''. On this date I was unable to access my credit report and a dispute was filed over the phone because their information prevented me from doing this on my own. 

This issue has been going on well over 2 years and I still have not received a satisfactory resolution. It bothers me greatly that Equifax has access to my personal financial information and are not held accountable when neglecting consumer concerns and refusing to provide a trusting and accurate service to consumers.