WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Walmart store card and the bank is Synchrony Bank. Before synchrony the bank was called GE capital XXXX then it became synchrony. I do n't know if GE capital XXXX was owned by synchrony and they just renamed their business or what. GE capital XXXX was ripping off consumers left and right now synchrony is doing the exact same thing. My Walmart card number is XXXX. The name on the Walmart card says XXXX XXXX XXXX. That is me and when I started realizing synchrony was charging me late charges I stopped using the card. I pay my Walmart store card early around the 1st week of every month early and the due date is the XXXX of every month. If I do n't pay my bill a couple days before the XXXX synchrony charges me another late fee. They want a double payment every month or they will charge {$35.00} late fee all the time. For a bank/financial institution they should know that the payment I sent in $ XXXX- {$45.00} IS FOR THE XXXX. I know they are thieves. If you type in a search engine complaints about synchrony bank or complaints on care credit that is XXXX of the cards synchrony has you will see all of the complaints against this bank. If you type in a search engine complaints about GE capital XXXX you will see all of the complaints. I am not paying any late charges. I want to close this account after I pay {$79.00} that is all I owe. Synchrony bank has many cards.
The company ( Checkr , Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX ) has conducted several background screenings and continually ignores the 7 year rule for reporting outdated information that has been deleted from my history. Checkr is reporting negative information that is 8 or more years old to a potential employer.
I applied for a loan Modification 6 years ago & was granted a Trial Modification I made all the trial Payments & was denied the Permanent modification  by Wells Fargo Stating th at I apply again & again I have applied 6 times but to no avail, They tried t o Foreclosed & the Court denied  the request, My Interest rate is 7.5 % & they refused to lower the Interest rate & using 7.5 % & each time I can not qualify as the rate is too high, Never once reducing the rate to make qualification possible, We are in Court & the Judge issued a Court Order on  XXXX   XXXX   2017 sta ting that I apply again & submit another Modification Package be  XXXX   XXXX     2017, I   ca lled Wells fargo I was  informed that under no circumstances will be granted another Modification period,  Inspite iof the Court  Order I have sent Faxes & called yet I can not get to submit the New Modification Package as required by the Court.
I initiated contact with Chrysler Capital on Wednesday XXXX XXXX, 2015 to inquire as to what the dealer payoff for my lease vehicle would be. I was trading it in to the dealership and using the equity from the trade in to pay down the loan on my new purchase. At that time the dealership was provided a payoff figure that included the " lease buyout '' price of {$26000.00}, a {$350.00} buyout option fee and an " unpaid monthly payment '' of {$320.00} for a total of {$27000.00}. I called Chrysler Capital to inquire why I was being charged {$320.00} for an unpaid payment because my account was not past due and no payment was due until the XXXX of XXXX. The payment due on the XXXX of XXXX was for the least term of XXXX XXXX - XXXX XXXX ; however since I would no longer be leasing the vehicle as of the XXXX of XXXX, I should not be responsible for the XXXX XXXX payment for the next lease term. Chrysler Capital advised that when they generate a payoff letter, their system generates a figure that is valid for 15 days and thus because the 15 days was after the XXXX of XXXX XXXX when the next payment was due XXXX it would be included in the pay off figure ; however, as long as they received the payoff before the XXXX of XXXX I would receive a refund of at least the {$320.00} for the XXXX payment. The dealership mailed a payoff check on the XXXX of XXXX overnight mail to Chrysler Capital via XXXX with a tracking number of XXXX for the total amount of {$27000.00}. It was delivered on the XXXX of XXXX at approximately XXXX. As of today, XXXX XXXX my account shows that my payment is " past due '' and during my repeated attempts to contact Chrysler capital I have been told a payment of only {$27000.00} has posted to the account as of XXXX XXXX - yet they received the payment on the XXXX and they have no indication as to when ( OR IF ) I will receive a refund.
XXXX XXXX with an address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. 
Created an Account in my name and wife 's name XXXX XXXX & XXXX XXXX without our consent. We have no contractual relationship with this ENTITY and believe that this ENTITY is committing Fraud using fraudulent papers and Identity theft.
Please these accounts don't belong to me. Please help Im not smart enough to talk to these people they scare me. 
XXXX XXXX Reported : XX/XX/XXXX + {$950.00} Closed XXXX/XXXX Reported : XX/XX/XXXX + {$0.00} Closed OTHER LOANS XXXX/XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX/XXXX Reported : XX/XX/XXXX + {$0.00} Closed STUDENT LOANS XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed Hide closed ( 4 ) Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX   report.

XXXX/XXXX  Inquiry : XX/XX/XXXX + National Credit Card Cos.  
( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX + Telephone Companies ( XXXX  ) XXXX  Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score.

XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$1000.00} Needs Attention XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$1500.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$190.00} Needs Attention XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$440.00} Needs Attention XXXX XXXX XXXX   XXXX {$1800.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$1800.00} - - Installment Negative XX/XX/XXXX You have 5 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX/XXXX/XXXX  XXXX   {$950.00} {$600.00} 158 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX/XXXX  XXXX  {$0.00} {$400.00} 0 % Revolving Negative XX/XX/XXXX XXXX/XXXX XXXX   XXXX - - - Installment Paid XX/XX/XXXX XX/XX/XXXX
Divorced spouse. Effective date was XXXX XXXX, 2014. In the decree, it stipulates former spouse was to pay ANY and ALL debt incurred during divorce proceedings. Before final agreement, former spouse was the only source of income. This hereby cause me to fall behind on payments. Once former spouse made proceeds available, I contacted creditor to catch up on the late payments. This was on or about XXXX XXXX, 2014. During the course of the telephone conversation, the customer service representative agreed to waive ALL late charges, as well as back interest. Also, the representative mentioned the account would be reported as " Paid, never late. ', due to divorce proceedings. I mailed creditor a copy of the decree, and I received a letter from creditor, stating the account is reporting correctly. I feel as if I was lied to.
I noticed a couple of unauthorized charges on my statement XXXX months ago. I immediately called the card company to report the fraud. They removed the charges and issued a new card. On my next statement, I discovered that they had transferred the charges to the new account. I have not activated the new card. I called again and was informed by a fraud agent that the charges, along with the new fees and interest, would clear in a couple of weeks. They have not. I 've been getting dunning notices on a regular basis, and my credit score dropped XXXX points overnight.
The original principal amount of the mortgage in XX/XX/XXXX was {$530000.00}, as at XX/XX/XXXX when Statebridge took over, the monthly payment was {$3600.00} and was for the 30 yr term, we were behind on payment for couple of months and the outstanding was added to the principal balance. Statebridge did a loan modification, and extended the term to 40 yrs, so instead of a maturity date of XX/XX/XXXX, it was extended by 13 yrs to XX/XX/XXXX. They gave us a supposed relieve to $ 2604 monthly payment for 5 yrs and then {$3600.00} for the remaining 35 yrs at an higher interest rate, which is a rip off. Also the " the interest rate will reset to rate of the original note is ambiguous and deceiving, because even though the rate at origination of the loan was 5.95, XXXX XXXX had reduced the rate to 4.95. Statebridge made us believe they were helping us with modifying the loan but they actually hurting us on the long run, this is a sharp practice that needs to be investigated, the loan has been sold many times afterwards fro profit at our detriment, now they new service XXXX XXXX was us to start paying {$3600.00} at a rate of 5.95 instead of 4.95 as received by Statebridge for the remaining 35 yrs. If we had understood the implication of what they made us sign we would not have signed their deceptive loan modification in XX/XX/XXXX.
There are several unverified accounts on my report and the reporting agency refuses to remove the account or supply me with verifiable proof ( signed contract or other documents with my signature ) that the account belongs to me as required by the FCRA.
Experian Refuses to remove negative items and inquiries from Credit Report even though companies are unable to validate debts via signed contracts. Credit score incorrect. XXXX has been sent a notorized fraud affidavit. XXXX & XXXX are also on my credit file although the 3rd party debt collectors are unable to validate the debt. They are unable to provide a contract signed by me to validate the debt. Inquiries disputed but have yet to be removed. It 's past 30 days. Company not compliant with FCRA.
1 ) I purchased a train ticket for XXXX 
2 ) My connecting transportation was delayed and consequently I missed the train.
3 ) I dispute the transaction with barclay, give details and wait.
4 ) After 2 months of waiting, I call Barclay and ask for an update on the dispute. 
They inform me the dispute is over and the the provisional credit is now permanent. 
5 ) 1 week later I receive a letter in the mail saying I lost the dispute and have to pay the XXXX 
6 ) I speak with Barclay twice and to a manager. They refuse to do anything for me.
I sent Equifax a police report, my XXXX from the time this address and collection of XXXX was reported on my file, and also a dispute letter on XX/XX/2018. Today XX/XX/2018 I give them a call to see the status of the investigation, I was told I would have to wait another 30 days for investigation. I really would like to buy a car but I can not because of this collection and address on my credit file that is fraudulent.
Derogatory Information WELLS FARGO HOME MOR XXXX Mortgage XXXX I XX/XX/XXXX {$0.00} {$0.00} {$0.00} XX/XX/XXXX INCLUDED IN BANKRUPTCY {$0.00} Comments - This is NOT TRUE THESE WERE ON TIME AND PAID IN FULL!!!
I sent you and have all copies of Mortgages stating Satisfied Paid in FULL!! On all Wells Fargo Accounts they were never included in my Bankruptcy.And Paid on Time XXXX XX/XX/XXXX WELLS FARGO XXXX Mortgage Comments - This is NOT TRUE THESE WERE ON TIME AND PAID IN FULL!!! 
I sent you and have all copies of Mortgages stating Satisfied Paid in FULL!! On all Wells Fargo Accounts they were never included in my Bankruptcy.And Paid on Time XXXX I XX/XX/XXXX {$0.00} {$0.00} {$0.00} XX/XX/XXXX INCLUDED IN BANKRUPTCY {$0.00} Comments - Comments - This is NOT TRUE THESE WERE ON TIME AND PAID IN FULL!!!
I sent you and have all copies of Mortgages stating Satisfied Paid in FULL!! On all Wells Fargo Accounts they were never included in my Bankruptcy.And Paid on Time Equifax XX/XX/XXXX Same Goes for the Tax Lien that you have a copy for again and again I can send a copy of that too,
For the last 6 years, there has been someone changing the first name of XXXX to an intentional XXXX which is a slapping insult on me as a federally protected birth titled person. When it was corrected, at a later time then it was discovered again which makes it intentionally suspicious. However, last year in my state, I made an appeal to my State Atty General ( XXXX. XXXX ) for help. They thought it was taken care of when they had them call me in 2014. We were told by XXXX Trans Union that it was being sent in this way from some company consistently and that they had to correct. The State A G office this year got a second call from me stating that I had received a doc XX/XX/XXXX where Trans Union XXXX when my history was under a red alert for a 90-day period of time, and the name and address was correct. By XXXX XXXX companies sent a new account out due to the fact I placed a new alert on for another 90-days. This was photographed on my cell phone showing that Trans Union started this up all over again. The State A G told us that it was not an outside influence doing it but someone inside doing it for all that time. Now that I have photos, it shows a spiteful abuse of my first name. I am tired of whoever the person is XXXX with my personal government information because they think it is undetectable and fun. I would like the government to arrest and sort out all the people worthy of prosecution and make a XXXX determination on those who are worthy of the XXXX facility. Six years of trashing me as a dignity of this state, OR any other non-titled person is worth a house cleaning party effective immediately by the XXXX. As well, I expect a full shut down by the XXXX XXXX XXXX who will confiscate computers where they are and work on information from that angle. Dot your i 's and cross your t 's. Docs can be sent from my phone at XXXX XXXX XXXX if you want to try that. Otherwise please wait for a certified letter with the copy in it. This will be mailed out the first week of XXXX hopefully. 
Thank you very much. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX
Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the XXXX, Experian and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.
Bank of America is charging me fees for my former credit card account which was closed on XX/XX/2016. I have contacted them several times to no avail. The account is closed. I moved from XXXX to XXXX last year. I had BOA accounts for 20 years in XXXX. I am now in XXXX. There are no BOA locations here. The closest XXXX to me now is XXXX miles away. All my BOA accounts are now closed, but BOA continues to send me monthly statements for credit card fees.
I purchased airline tickets from XXXX XXXX using the website XXXX, along with travel insurance on XX/XX/XXXX. The total purchase amount was {$850.00} ( according to attached record ). The flight was for Fridat,  XX/XX/XXXX. Upon getting to XXXX Airport, I was informed that my flight was cancelled and would be rescheduled for the morning of the XX/XX/XXXX. On the morning of XX/XX/XXXX, however, I was informed by XXXX that the flight was again cancelled ( Attached ). I needed to be in XXXX by Sunday night ( XX/XX/XXXX ) for a XXXX XXXX course I was taking. I bought another ticket through a different airline ( XXXX ), and sent a request to XXXX XXXX for a full refund ( attached ). I called and talked with XXXX XXXX on XX/XX/XXXX, and was informed that I would need to contact XXXX to get a refund, which I did immediately ( attached ). I was then told by XXXX that I would need to contact a representative ( attached ), where I was told that I would need to get a refund from XXXX XXXX directly. At this point it was obvious that I was being sent in circles in order to avoid a refund, so I contacted Huntington Bank Credit Card services to dispute the charge at the end of XX/XX/XXXX ( when I returned from XXXX ), and took all appropriate steps from there, including information similar to that attached available ( I annotated and provided a narrative similar to this one ). This timeline was from the end of XX/XX/XXXX to the beginning ofXX/XX/XXXX. During this time, Huntington reached out about twice, and when I attempted to return their calls ( the voice message was patchy and prerecorded ) I was shunted from department to department until the calls were dropped. I figured from this that they were n't important, as the message contained no information relevant to my dispute ( i.e. another department was calling for a different reason ). In addition, they sent letters to my permanent address, in XXXX. I was then working and taking classes in XXXX, having my mail forwarded to me. By the time I received the closure notices from home, it was already closed by a day or so. I called to iron out the miscommunication in XX/XX/XXXX, at which point I was asked to send a letter to the dispute department, which I did immediately ( attached ). I again called a few weeks later ( XX/XX/XXXX ) to find the status of the dispute, and was informed that I would need to send a letter to re-open my case. I informed the person that I had indeed done this, and I was told to call back in another few weeks to find out the status of the dispute. I did that today ( XX/XX/XXXX ) and was informed that Huntington would not reopen the dispute, and I was hung up on by a Supervisor. This is clearly an attempt to avoid refunding money for a legitimate dispute, and I have made every attempt to jump through the bureaucratic hoops Huntington has laid out. They have tried to stonewall me by disconnecting my calls, pretending there were no supervisors or managers to speak with, and ignoring or omitting evidence that I have provided to explain my situation.
I received a credit report update from XXXX XXXX on XX/XX/2019 : Midwest Recovery Systems put a {$200.00} collection account on my credit reports ( states between XX/XX/2019 and XX/XX/2019 account opened ). Collection states origional creditor was XXXX XXXX XXXX XXXX. I did not get a loan from XXXX XXXX XXXX XXXX, never received a call from XXXX XXXX XXXX XXXX, and no mail received. I did start a dispute with XXXX and XXXX
I XXXX XXXX XXXX XXXX XXXX vehicle Last XXXX of vine XXXX. I added somebody to the tittle and they changed the address. It was steele addressed to me but he opened my mail, forged my name and went and got a tittle loan. the y have auctioned off the truck but there has been a pleace report filed in XXXX XXXX XXXX, Utah. Its not A civil matter and im earitated about my mail being breached and athorityes not doing there job
Overdraft Charge of {$35.00} was collected from my account in consecutive thee times on XXXX XXXX, 2015. The statement was not showing any overdraft balance on XXXX XXXX, 2015 after all of the checks and atm card payment were posted. It became negative when the XXXX and XXXX overdraft charges of {$35.00} were posted. It may be a computer error. I just would like to request for the refund of {$100.00} ( {$35.00} x XXXX ). Thank you.
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on Equifax, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
On   XXXX   XXXX   XXXX   I called  US Bank  regarding a letter they sent me that my mortgage was going to mature in  XXXX   XXXX  and that I had to pay in full the remaining balance or refinance. I called to discuss my options on refinancing the home. After a discussion on loan balance on my primary and secondary and home value, it was told to me that I did not qualify to refinance. I then asked what my options were if the loan matured and what would happen. The representative said she could not help as she only handled refinances and would need to transfer me to Customer Service. I spoke to the Customer Service representative and she then said she could not handle and would need to transfer me to a loa n specialist. After reviewing my situation with the specialist she could not help me and said that my only option was to speak to the loan modification specialist. I then spoke to the loan modification specialist and she explained that i  would need t o apply for the loan modification and depending on my case it may or may not be approved. She advised me to wait until my loan matures which is 1 year away. I told her I did not  want to wait as I wanted to work with the bank to get this resolved now and discuss my options. I could not qualify for the refinance because my house would not appraise at the value to meet a 90 % loan to value threshold. She indicated that the loan modification application would be mailed to me. She said it would take  XXXX  days to bet processed but did warn me that if I accepted the modification that it would impact m y credit score.      What surprises me is that I have been a customer for 20 years wit h US Bank and h ave been in good standings throughout that timeframe. I am calling to try to work with the bank to arrange a solution and they have nothing to offer. She indicated that when it matures I would go in to collections for the full amount which in turn would impact my credit. I asked that she check with a superior as I clearly did not fall in to the normal criteria for modifications and not sure I need a modification but it appears no one I spoke to had any solutions or support.      US Bank has a long standing customer with excellent credit ( 800+ score ) and they have no other solution than to tell me to wait and/or apply for a modification ( which most likely I would not qualify for ). In the meantime I will submit for the modification to see what the formal outcome is but it seems inappropriate that a good customer would have to negatively impact their credit score. I am proactively trying to resolve my situation and it appears that the bank is giving me no options. The customer service I received is terrible but It appears that if I had been in a defaulting status and not fulfilling my responsibilities that I might have some options. Its unfortunate, that I could not get someone to work with me to a positive result for both of us.