WillisBack/dataset-financial-user-claim huggingface dataset:
My credit reports are showing that my XXXX store credit card, issued by XXXX XXXX, was charged off in XX/XX/XXXX. This is an old account that was actually charged off in XX/XX/XXXX and this inaccurate date caused my credit score to drop because it looks like I have a recent delinquency when, in fact, I do not.
have had a XXXX account that has a thirty day late payment on it and it was done on XXXX 2010 and I get wrong number to contact. the account was sold on XXXX 2010 I have called XXXX to verified the account and they have no record of sed account
Since about 3 or more years ago, my bank has slowly crept up to its old practices with fees in my checking account. When banking regulations happened during the financial crisis US Bank did what I thought should have been a common practice from the get go : 1. overdraft fees would not exceed the amount being paid -- for example I just got debited {$25.00} from check card connected to toll booth recharge account. this {$25.00} charge brought my account below zero and i got charged a {$36.00} fee -- and this has occurred multiple times in the last 5 years -- going against a practice in place after regulations started back in 2009 or so. 

2. this specific charge, for example, after banking regulations circa 2009, would not have been paid for there were not enough funds in the account, regardless if it was a charge deemed " recurring '' or not. 

3. this bank is back to debiting items the old way : when multiple items come in for debits -- whether through check card pre authorizations, scheduled bill pays, or checks coming through, the highest item is paid first and then the smaller items regardless if they came a day earlier or on the same day. this practice then, for consumers with low account averages makes them liable for multiple overdraft fees as higher ticket items are paid first. 

4. lastly, if i remember correctly, if there were funds when an authorization occurred, the authorization would be paid with no fee incurred regardless whether the account went in the red. 

I contacted the bank in regard to these issues and they simply gave me the option of having a checking account that was severely handicapped -- i.e. one wherein neither checks nor check card actions were possible or would require a per transaction fee or leave everything as is. 

i was so relieved when the original regulations were in place and slowly became more increasingly disheartened as the dismantling of these regulations protecting me were eroded quietly and effectively over the years by the bank. I am certain that this is not the only bank and that it is not the first time that you hear of this. 

I expect no resolution. We will see if this works. Thanks for reading.
This is a medical bill that shows on my credit report as an open account in collections. I put this on my Chapter XXXX Bankruptcy in XXXX and it was discharged in XXXX. This should not be showing in collections.
My XXXX AUTO LOAN ACCOUNT HAS BEEN SHOWING 4 30DAYS LATE PAYMENTS ON IT, I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND THE BANKS CREDIT COUNSELER SAID SHE COULD NOT ASSIST ME WITH GETTING THE LATE PAYMENTS REMOVED EVEN WHEN I WAS NEVER LATE. RIGHT NOW THE ACCOUNT IS SHOWING TO BE PAST DUE WHEN IT HAS CLEARLY BEEN PAID AS AGREED AND CURRENT. I DO PLAN ON TAKING LEGAL ACTION AGAINST THIS COMPANY FOR REPORTING THIS INACCURATE INFORMATION. I HAVE SPOKEN TO SEVERAL INDIVIDUALS IN THE BRANCH AND EVERYONE HAS NO CLUE ON HOW TO HELP ME, BUT THEY CONTINUE TO ACCEPT MY ON TIME PAYMENTS
daily calls are rec'vd by  XXXX  ( ERC Collection company ) - they do not speak, they do not identify themselves and they do not hang up I have called them repeatedly to have this stop - but they claim no knowledge of phone calls - this is repeated harassment - my most recent phone call to them was on  XXXX   XXXX   2017  at  XXXX  - I spoke to  XXXX   XXXX  - who  tried  to confirm personal information - which I refused, other than my name and address
Sometime on or around X/XX/17, the company called 2 of my references to collect a loan. How I found out is both references called me in regarding the call they both received from the company. The company stated to my references, " this person ca n't pay his loan, is there anyway you can get ahold of him ''. Now I understand calling my references to get in touch but where I 'm upset is that told my references personal business that should of stayed between the company and myself. I explain to the company numerous times that I lost my job to give me some more time. I will make a payment. They undertood and my story did n't change. But for them to call my references and say I ca n't pay my loan is no one else 's business. I read my contract, and it does n't say the company has the right to tell anyone my persianl sisuation.
XX/XX/2017 XXXX XXXX XXXX XXXX stated that I owed them {$11000.00}. I have never had an account with them nor done any business with this company. Please remove.
I noticed a collection account on my credit report several weeks ago. The original creditor was XXXX College, They sent a file to Ability Recovery Services. I contacted XXXX College and they stated the balance was zero and it was supposed to removed from my credit. It is still there. I call XXXX, and they say that I owe nothing. I call Ability Recovery and they claim I owe money. There is no communication between these two. I am getting frustrated. I am in the middle of buying a house and this could not have come at a worse time. I guess my next option is the court system,
this company National Credit System is reporting on my credit for a debt I do not owe I have sent them paper work along with my ID with my name and dob that do not match what they are reporting on my credit file and they are still reporting on my credit report for {$360.00}. I have also tried contacted the original company who is no longer existing National Credit System can not provider proof that this debt is mines.
Mortgage fraud and unfair business practice against Select Portfolio. On XX/XX/XXXX, Select Portfolio sent a letter stating to contact them for Mortgage Assistance and resolution. I contacted Select Portfolio and they stated there's no options available and that the Mortgage issue has been referred to an Attorney for Foreclosure. 

Select Portfolio and XXXX XXXX  has committed Mortgage Fraud. XXXX is still the Lender of my Mortgage loan. Select Portfolio stated they are not the decisoin makers, XXXX XXXX  is the decision maker. This method is very unfair and XXXX is not in compliance in allowing me the opportunity to address my mortgage balance of {$84000.00}. XXXX sold my mortgage as a bond to Select Portfolio for {$240000.00}. My issue is XXXX is doing the same mortgage fraud they were fined by the US Government. XXXX is shielding all responsibility of my mortgage issues through Select Portfolio. 

Please add my name to both the two Class Actions suits against XXXX and Select Portfolio. Select Portfolio refuses to resolve this issue. It is time for the Consumer Financial Protection Bureau to fine both of these Mortgage Companies. XXXX was given the Bail out money to assist me in the HARP but has failed to do this. I was given a 36 months fixed 1 percent for Military Assistance program since XX/XX/XXXX through XX/XX/XXXX. XXXX and Select Portfolio is not taking responsiblities for their wrong doing. 

The Georgia State Attorney General advise me to submit a Mortgage fraud suit and to hire an attorney to sue both companies. 

Select Portfolio told me tonight they are not willing to assist me in this matter
I purchased a bed from XXXX XXXX and called the owner XXXX and informed him that the bed was too hard and uncomfortable. I asked for a refund and asked him to come and get the merchandise. XXXX from XXXX XXXX stated that he would not give me a refund and asked me to jump up and down on the bed. He asked me to please keep it and give it time. I asked again for a refund and he stated that he does n't give refunds. He stated that he would give me another bed and I informed him that I purchased the softest bed he has. He said just keep it please. I stated that I would call Bank of America and I asked to put a stop on the purchase. Bank of America stated that i had nothing to worry about and they would take care of it from here. On XXXX XXXX, XXXX XXXX called and asked to pick up the merchandise and I called Bank of America and asked if I should give him the merchandise and I was told to do so. ON XXXX XXXX, XXXX. I received a letter from Bank of America stating that they had ruled in his favor. I called Bank Of America and the person I spoke with stated that if was a mistake because the money had been applied back to my account and stated that they must have made a mistake. I completed the survery on line that Bank Of America sent me. I put what I said in writing and. ON XXXX XXXX, XXXX I received another letter stating the same thing as the letter on the XXXX stated. I called again and I was informed that my case was closed per Visa because I had not responded to two letters that I never received. I also explained that I had spoken with Bank Of America on the other occasions and no one informed me that I needed to do anything. I asked how could my case be closed if I never had a chance to receive the information that I needed to do more than give the product back.
Mohela has been calling me for almost a year now. i have blocked the number and they find new and different numbers to call from. They call multiple times a day everyday and i have explained to them a minimum of 10 times now that the person linked to my cell # is not me. I went through a lengthy process of proving this twice before so they would remove my number and it somehow keeps getting added back into their system. they continue to call XXXX3 times daily all hours of the day, leaving me messages about a debt owed that is not mine. i have asked many times now, proven the number is mine and not the " borrower '' but they keep calling me despite attempt after attempt to stop the calls!!!
I am suffering through a very serious injustice and I need your help in correcting the actions of my mortgage servicer, Freedom Mortgage. XXXX XXXX was my loan servicer, but they transferred my loan to Freedom Mortgage, but I was never advised of the transfer. My mortgage payments were made automatically through my bank account and I never really paid attention to whether or not it was paid because I had never missed a payment in eight years. However, when the loan transfer occurred, I had no knowledge and the payments did not automatically go to my new servicer. When I found out that there was a problem, I immediately contacted Freedom Mortgage to make the past due payments, but they said I had to contact their attorney because my loan was already in default. When I contacted the attorney, I was told to address my issue with Freedom Mortgage. 

This was in XXXX of this year and they have put me on a rollercoaster of bad advice and dead end service. Every attempt I have made has not brought any solutions and I have reached the end of the road with them. This situation now has spiraled out of control and I am now powerless against my mortgage servicer after being put in a situation which I did not create and can not fix on my own. I am hopeful that you can help me deal with this situation before I lose my home through foreclosure.
Chase card services pulled my XXXX  credit file without my explicit consent on XX/XX/2018. I did not apply, or consent to this credit inquiry. It is causing detriment to my credit file. I am actually in the process of another loan, and this unauthorized inquiry may cost me an approval. Again, they have no business pulling my credit file, I did not consent.
I was contacted by XXXX with XXXX XXXX and XXXX on XX/XX/XXXX at XXXX CST. The number she called from is XXXX. She left a voicemail stating there was a civil matter that their client had turned over to them. I called back the number and no one answered, only a message stating that the XXXX XXXX person I was trying to reach was unavailable. This morning, XX/XX/XXXX at XXXX CST XXXX called and thanked me for calling back. She confirmed my name and last four of my social, then stated that she had to put me through to the firm 's Senior Partner because she did not have access to my file. I was on hold, then greeted by XXXX XXXX who stated he was with XXXX XXXX and XXXX. He went on to tell me that GE Capital was one of his clients and there were outstanding balances for XXXX XXXX XXXX and XXXXXXXX XXXX. He stated the balances for the two accounts totaled {$3400.00} which included fees and interest. He stated they could remove the fees and interest which would bring the total to {$2800.00} or if I was able to pay a lump sum he could bring it down to {$2100.00}. I advised that I had never had those accounts in my personal name, but in a company name that I used to own which was long ago so I asked him the date of the debts. He stated that XXXX XXXX XXXX was from XXXX to XXXX and went to non payment in XXXX and that the dates for XXXXXXXX XXXX was the same. I advised him that I had stepped away from the company in XXXX and it was no longer in business and I was not in a financial position to pay the debt, therefore if the company chose to take legal action to do so. He said he needed to make me aware of the options, and stated that I would be served. He asked if I wanted to update my current address for said lawsuit to be serviced and I stated " No, you all can find me ''. I then searched the statute of limitations for credit card debt and discovered that it is 4 years from the past due date for a company to sue a consumer for credit card debt. Mr. XXXX ( er )? misrepresented the law in this matter. Although he and XXXX were both polite, it isn't acceptable or legal to threaten a lawsuit for an 8 year old debt, therefore I feel he needs to be reminded of his limitations as a debt collector.
I am receiving pre-qualified credit card applications for my XXXX children who are teenagers. The credit card issuer is Capital One. How can this be appropriate. They are no of age to enter into a contract. 


Capital One Application Codes : Daughter Reservation # XXXX Access Code : XXXX Son Reservation # XXXX Access Code : XXXX Please stop this activity.
In XX/XX/XXXX I retired from the Military and prior to retiring I set up automatic payments from my checking account because I didn't want to forget after being diagnosed XXXX and XXXX from the Military. From XX/XX/XXXX to XX/XX/XXXX there were no payments to Capital One and no one contacted me. I called Capital One in XX/XX/XXXX for a credit line increase, only to discover that they had not received a payment the last 4 months. I quickly made payments to get the account caught up and it has been up to date since. 

I have been with Capital One for about 10 years and have never been late. I contacted Capital One 5 times with goodwill letters and was told they would consider it due to XXXX and XXXX only to be denied. This is really messing up my score due to us trying to purchase a home. If I missed to miss it would be different but I really thought I set up automatic payments. 


I am trying to get the late payments reversed die to the XXXX and XXXX.
I messed up a payment and needed to use my overdraft protection for my Santander checking account. I was on vacation at the time, and as soon as I returned went to Santander Bank and paid it off. Since it was a Santander bank and XXXX accounts were Santander. I paid it off in full. i then noticed on line that there was a balance on the credit line. I called the XXXX # and got nowhere in resolving this. I then went to the branch where i made the payment. They told me that the balance was interest that accrued because it took two days to clear. I find that totally unacceptable, since I took money from my SANTANDER checking account to pay a SANTANDER bill at a SANTANDER branch.
I disputed this fraud account that is being reported on my credit report to Experian account XXXX XXXX for an amount of {$160.00}. I also provided a police report and a Federal Trade Commission Identity theft report showing that this account is fraud and does not belongs to me. Experian performed their investigation, and responded back to me stating that my ( MAILING ADDRESS IS INCORRECT ) ; yet they mailed me the notification to my address and ignored the issue that fraud is being reported on my credit file. 

Experian ignored my notification that this account being reported on my credit file is fraud, and the copy of the police reports and Federal Trade Commission Identity theft report.
Every time I checked my credit report, it stated " delinquency payment ''. 
As far as I know, It disappears that records after XXXX years which already passed for XXXX year. 
I am requesting to investigate this matter to improve my credit score. 
Thanks
I obtained a loan and was not told they were charging interest daily in the application process, speedy cash ca n't use the word default because by law once they use that term they ca n't charge anymore interest. A statement was billed stating I owed  XXXX  and it needed to be paid because my account was in " default '' weeks later I get another bill for  XXXX  that I refuse to pay. The interest was never stated on any of my loan documents in fact she never gave me an estimated payment. Then I realized they do n't close until  XXXX   XXXX  eastern time but charged my account at  XXXX   XXXX  eastern time. I work in the same field and I pay my other loans but I refuse to pay something that 's not properly explained she never said they would hit my account before close and they go in and ac h 1 p ayment at different times in  one day ! More than twice I had to close my personal account at the bank because of this. Their location is :  XXXX    XXXX   XXXX     XXXX  tn  XXXX
I had identity theft problem with my account and for some reason when I move I never did receive the credit card I applied for and now looking at my report I have inquiries that I did not authorize and I have no knowledge of so I reported that to the credit bureau and they refused to move remove the inquiry after I told him that it was identity theft they have all the paperwork on file to show proof but they still refuse to remove the inquiries
1. XXXX shows my credit limited decreased with XXXX XXXX XXXX from XXXX to {$500.00} which is incorrect, credit limit is still {$2000.00}. This false information causing my score to decrease by 99 points.

2. XXXX, Equifax and XXXX refuse to correct previous dispute regarding XXXX XXXX XXXX  they continue to show a balance with one account was paid in full and the other was discharged in previous bankruptcy and should show a XXXX  balance. This is false information 3. XXXX XXXX  was settled and paid in full, XXXX XXXX continues to show a balance owed on XXXX XXXX XXXX. This is false information 4. Bankruptcy reporting, XXXX Equifax and XXXX continue to report false information that they have not been able to verify, name and social security number does not match filing and social security administration.
We filed multiple disputes regarding XXXX XXXX XXXX XXXX, our original lender and M & T Bank, the bank that acquired both XXXX and our loan on XX/XX/XXXX M & T 's XX/XX/XXXX letter was non-responsive. They have no addressed concerns or fixed the mortgage errors I sent M & T a letter directly disputing their XX/XX/XXXX Letter
I am trying to purchase a home and found that i have a bankruptcy on my credit from the Nevada Federal court. This is not me because I have never been to Nevada. I filed a dispute with Trans Union because it is only showing up on that report. After the XXXX days was up, I called them and they informed me that it had been investigated and found accurate. i never received communication regarding the findings and when I asked to have it sent to me they informed the that that information was n't available. I have provided them with a letter from Nevada Federal Court that states I do n't have a bankruptcy in their system and have supplied that to Trans Union. Trans Union i not willing to supply the process or contact information for the vendor used to verify the item they put on my report.
I graduated in XXXX. I refinanced my loan along with spouse in XXXX with XXXX XXXX. Divorced. Unable to split the loan my ex stopped paying her share I continued to pay. I can not access any information until I speak to a rep and they ask several questions about who I am. The loan primary social is my ex wife 's. Yet they continue to call me and send correspondence to me. 26 years later and still not played off. XXXX left. Unbelievable! She has paid them little, I have paid and get all the grief
Some months my husband and I became XXXX due to a car crash. We fell on hard times and could not keep up with our payments. Everything fell behind. My husband is still out of work for a XXXX injury but I went back to work as a Per Diem employee. I am still trying to catch up. Ive expressed to this company time and time again that I will try my best to catch up but they will not agree to a hardship. Now they have started calling me four to five times a day like clockwork to ask me for monies I can not give right now. I am being harassed and I would like it to stop. The company is CitiBank ( BestBuy ). The repeated calls started about 2-3 weeks ago at 4-5 times daily. The numbers that call are ( XXXX ) XXXX and ( XXXX ) XXXX.
XXXX XXXX ACCT NO XXXX IS REPORTING ON MY EXPERIAN AND XXXX FILES.EXPERIAN IN DISPUTE VERIFIED THE ACCOUNT. 
I HAVE NEVER ORDERED XXXX, RECEIVED OR USED THE CARD OR RECEIVED ANY MERCHANDISE.IT IS IMPOSSIBLE TO PROPERLY DEBT VALIDATE AS IT HAS NOTHING TO DO WITH ME.THE OPENING OF THIS ACCOUNT IS EXACTLY AND ENTIRELY FRAUDULENT.PLEASE FINE THE BUREAUS FOR VERIFYING THIS ACCOUNT.
I was scammed  by Ford Motor Credit.  aprox  XXXX  of  XXXX  I received a call from them. I had been late on payment ( due t o 7 hospital v isits ) The woman asked why I was late. I explained as above. She said " you need to avoid a repossession or a charge off ''. I agreed. My regular payments were a little high due to medical bills. She said how much can you afford. I said if you could cut payment to {$200.00} a month, I could clear up medical bills and never be late payin g Ford ag ain. After she put me on hold, she came back on the phone and said " OK ''.     Upon checking my credit rep orts ( one tra de ine attached ) I noticed the account was listed as a charge off. I was floored and calle d Ford. After lot s of " run arounds '' I was told the first story that I agreed to a charge off. That is a lie. I wuld never ever do that esp. with small amount owed and it is a secure lo an (   XXXX   XXXX  truck ) to which they have title. I was getting no where with these people every time I called. Now on my latest call of mayb e two weeks ago , I was told the account was charged off BEFORE THE FIRST CALL FR OM FORD CREDIT.  What????? First off they would have repossessed the vehicle as it is worth {$15000.00}. That did not happen. I still have the vehicle and have never missed a payment since that first conversation in  XXXX   XXXX . I have attaches some statements.         Ford credits improper listing this account as a charge off caused me to be turned down by a car dealer and I can show you the inquiry if you like. They are killing my credit score. Ford is clearly breaking the FCRA and the FDCPA and in doing so continue to do great financial harm to me. I really need your organization to step in and make Ford correct this outright scam. It is my thinking they did this whole thing to gain from tax codes and possibly insurance on the account.
Please help me as I have written the credit bureaus and got nowhere. I gave attached proof Ford is receiving {$200.00}. a moth without fail.        XXXX   XXXX   XXXX   XXXX  XXXX  XXXX   XXXX