WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Home Depot Credit Card. I noticed that there was a {$2.00} interest charge that had been added. I called and was told that it was a mistake and they removed the charge. My concern is that how many people have " inadvertently '' had the {$2.00} charges added and did not notice it and paid it. I just want you to be aware that this happened in case it is a regular occurrence to scam customers.
XX/XX/2018 Capital one bank reported unrecognized hard inquiry on my XXXX  credit report
Once I was banking with Wells Fargo they intentionally over drawn my account to get there mortgage payment and charge a over draft fee. I called them to stop doing it they continue overdrawing my account every month. They said if it was not automati payment they can not accept the payment. 

It caused my other payment to come out of the account and overdraw my account and charge me a {$35.00} every single time. In one year XXXX dollars of fees.
I have contacted all 3 credit reporting agencies to have this late pay removed from my credit report. This account is a student loan for my son. I completely understand that as a co-signer I am also responsible for this his account. However, I was not notified that it was 30 days late. He has multiple loans and is trying his best to keep them all current. 

It is just not right that one of the three agencies responsible for maintaining consumer personal credit information ( XXXX ) can have a major breach ( affecting millions ) and NO repercussions. My son was late ONE time and this stays on MY credit report for SEVEN YEARS! It clearly is a double standard here. Consumers can not make a mistake. I understand my credit is not the best but I have never had a late pay ( 29 years of credit history ). I have had 4 credit card companies send me letters closing my accounts. This is a disgrace and the laws need to be changed relating to Fair Credit Reporting Act. There is nothing fair about this Act. SEVEN years is just not right. XXXX will remain in business and my credit has been destroyed due to a simple mistake. 

I am asking to have this negative item removed from my credit report immediately.
XX/XX/18 opened account and checking account with usaa. Also applied for mortgage. Added tons of personal information from outside banks. 

XX/XX/18 tried to access account. Was told needed extra security. ( I have a fraud alert on my credit report ) called around XXXX EST. Spoke with someone. They said my account was locked. Said no other information except an alert saying will no longer do business with client she presumed it would maybe be from a fraud alert on my credit card. I just switched with my job my direct deposit which they told me would be approved for this pay check depositing Friday XX/XX/XXXX. 
Also- that the money in my checking account when opened would be mailed back via check within 30 days. After mentioning my DD she said that money would also be mailed back in 30 days. Crazy. Thats my rent. I just wanted to switch from XXXX to USAA she couldnt give me any more information or escalate my call.
On XX/XX/XXXX. I XXXX XXXX, a ( XXXX ) page letter from Bank of XXXX XXXX XXXX, XXXX, NY XXXX. Informed my savings account. XXXX XXXX XXXX. Case number landlord tenant XXXX XXXX. The XXXX page stated that {$4200.00} is being restrain by law to debit and restrict to account ending XXXX. But {$8500.00} is being attached and held in total plus {$100.00} processing fee. - BUT no safe deposit Box Number to locate where the money is being held. the XXXX page is restraining notice from a third party debt collector signed by an attorney BUT no a judge XXXX PAGE is an exemption notice not signed the XXXX and XXXX pages are Exemption forms Not sign. BUT The NOTICE of JUDGMENT signs by a Judge was NOT included. Which is required by federal and state LAW before. On XXXX XXXX, I spoke to XXXX XXXX at Bank of America XXXX XXXX, XXXX NY she told called Bank of America legal order Process and sole to XXXX XXXX and replied that the do n't have an judgement order for the {$8500.00}. Further that they do n't require Creditors to prove that they is a judgement. I involved my constitution right to face the evidence and to validate the debt of {$8500.00}. Plus {$100.00} processing fee. Furthermore I also since the was proof notice of the judgement. Bank of America legal department illegally Froze my account improperly with the correct and just due process. Last I did n't get any notice from XXXX XXXX from XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX tell XXXX. I pray that an injunction be place on the freeze against my account and the proper and through investigation intimated on Bank of America failure to comply with the proper due process. To reintegrate the creator did n't provide PROOF a copy of the judgment amount claim of {$4200.00} ( + {$4200.00} ) second no proof of letter showing prior notice of garnishment. Which must be a produce along with notice of garnishment.
The collection agency never notified by mail or phone call that I owed them money. In addition, the only reason I found out about this was they filed a judgment on my XXXX credit report. I filed a dispute and XXXX removed it immediately. However, the collection agency turned around and place the judgment on my XXXX credit report the next day. This is not even my debt how is the collection able to file judgments on anybody? By the reporting this false information my credit score dropped by over XXXX points, and I have been turned down for new credit.
I was in Chapter 13 bankruptcy and the mortgage company at the time ( XXXX ) was directed from the judge to modify my mortgage ) XXXX processed it gave me a temporary modification and when it was to become permanent, they sold my loan to another lender who used FAY servicing. Apparently Fay was not being held responsible to teh court ordered modification, agreed after a year to give me a trial mod but they required me to give them XXXX down, in which I did. I was given a permanent loan modification in XX/XX/XXXX, soon after I was diagnosed with XXXX and was making monthly payments, I apparently missed 2 payments, because of my Chapter 13, they did not contact myself or my husband ( who is co on the loan, but not included in the bankruptcy ). Next, the {$10000.00} that I gave them, they put toward past due escrow payments which I had believed would go toward paying down the loan. The modification they gave me resulted in my mortgage payment being XXXX a month, I have been struggling to pay them, finally out of chapter 13, realizing they did n't extend the loan out, just added the P & I back into the loan, missing 2 payments and finally the loan was put back online for me to access last month, now I received 1 notice saying I owed money - yesterday I received a letter saying I was in pre-foreclosure status. I do n't know what to do or where to turn to for help. I had to make a payment arrangement with them to pay 3 months by XX/XX/XXXX - which I did, but now will not be able to pay anyother bills.
United Consumers Inc Website Directions Collection Agencies I frequently get robo-calls from United Consumers , Inc. ( UCI ) asking if I 'm ( various first names ) XXXX and if so I push one button on the phone, and if not I push another button. The robot tells me I 'm not supposed to keep listening if I 'm not the intended XXXX. I have contacted UCI on two or three occasions to ask them to stop calling me, but to no avail. I do n't have any credit debt under collection. These calls are very annoying big net fishing expeditions which apparently are routinely used by UCI to contact everyone with the targeted last names throughout the region. 


UCI XXXX XXXX XXXX, XXXX, VA XXXX XXXX : ( XXXX ) XXXX
Took out both private and federal loans. When tried to contact all loan companies ( XXXX XXXX, in particular ) was told I 'd have to pay hundreds of dollars to even start to defer my loan, which I can not financially afford. So rather than working with me on any amount I pay they will not LET me pay anything until I pay a few hundred dollar fee. I ca n't catch up, and they all refuse to work with me. The loan owners keeps changing and have never been able to produce my original promissory notices, which I believe is illegal ...
Account Control Technology-They constantly call my place of work when after I told them not to call and it is not allowed. They called me 4 time today. 2 times on my cell phone and 2 times at work. I already have an agreement to pay and I have paid with no problem.
I purchased a car for {$14000.00} from XXXX XXXX over 4yrs ago. With my trade-in and cash down payment knocking off {$3000.00}. My payments we're {$380.00} per month. Santander charged me an extra {$8.00} daily in loan fees plus late fees of {$20.00} per late payment. I requested that my loan be rewritten and they said no. I'd have to refinance through someone else. My bank refused to refinance the loan because they said that the price higher than the value of the car. Santander has been calling my reference numbers speaking with third party individuals regarding my personal finance information with their company closed the account without notifying me in writing and put that I owe more than what my contract shows placing this information on my credit report.
Earlier this month ( XX/XX/XXXX ) I contacted the consumer financial bureau regarding false reporting by drive time to credit bureaus. I stated that I voluntary repoed my vehicle XX/XX/XXXX. I also stated that the company consistently falsely reported this information on certain months. I have not had an account with drive time since XX/XX/XXXX and just this month they just reported a repossession XX/XX/XXXX. this is a violation of federal law as well as the fair credit reporting act.
Debt was settled XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX CONTACT was XXXX XXXX for Fleet Card Services Card this debt was back from XX/XX/XXXX 14years
received a call from XXXX XXXX XXXX XXXX XXXX. After they had been advised not to call my cell number in regards to a debt that was included in a bankruptcy from a XXXX in 2014. They call 7 times from this number then 4 blocked calls then 3 unknown until I picked up. Then they proceeded to threaten me with arrest call be a XXXX XXXX XXXXr XXXX and tell me they were issuing an arrest warrant since I was a XXXX XXXX XXXXXXXX. 14 calls and verbal abuse and threats after I told them not to call the cell.
Im a victim of identity thieves they got my information and used my credit card and I was paying my bills every month on time until this happened I did contact the company of what happened but they still wanted me to pay the bills
Due date of XXXX XXXX and XXXX XXXX, XXXX XXXXWells Fargo Card Payment was sent to address pre-printed on statement. Payment was never credited. 

Received a {$25.00} penality of a {$22.00} purchase. 

Next payment was sent to address pre-printed on statement 7 days before due date. Payment was credited 14 days after date sent. 

Received statement stating that payment was late. Charged an addtional {$36.00}. 

Contacted business by phone and asked for explanation. Was told that payment had been mailed to wrong address. We pointed out that the pre-printed address/envelope was used. Also that back of statements stated same address. Was told that the billing address had been changed in XXXX. 

Replied that our billing statement still showed the old address at the place to which payment was to be made. After much discussion, agent said that we would be credited with the late penalty charges. Waiting to confirm that this has been. 

Statements for two month had been mailed with the incorrect address. We wonder how many other people have been forced to pay fees because of mismanagement or intentional means to generate money from fees.
Received a letter dated XX/XX/2019 from Rausch Sturm concerning XXXX XXXX  account under their file number XXXX. Requested the name and address of original creditor, a copy of the original signed contract, delegation of authority, and complete account / statements of payments, interest, and fees associated with this date.
RE : Wells Fargo Dealer Services This is in regards to Wells Fargo reporting that I made a lie payment on a car loan. 

A late payment was NEVER made and I have a letter showing that Wells Fargo made a mistake in marking this as late and even FULLY REFUNDED the late fee. 

Request : Rectify and delete late payment
I 've had nothing but problems with this company since I established a car load with them 2 years ago. The most recent, I have been trying to log into their payment portal for three days and kept getting error messages. I also tried to make a payment using the electronic phone system and kept getting the message " you are not set up for electronic payments ''. I finally reach someone today, and and 20 minutes on the phone they corrected the problem. I also made a payment, but this put me 31 days past due. I asked them please not report the late payment to the credit and they told me " there are other ways to make a payment ''.
I noticed that two credit cards were opened under my name in XX/XX/2018. I'm working with a financial counselor now to correct these mistakes as they negatively impacted my credit and I am now receiving statements regarding these debts. We filled out a report on Identitytheft.gov and contacted the credit bureau and creates a security freeze on my accounts. An account with XXXX is under my name now with a balance of XXXX and an account with Barclays with a balance of XXXX.
Nationstar Mortgage , LLC has continued to state that XXXX is the owner of my mortgage loan. I am unclear as to the terminology which is being used in this statement because, XXXX ca n't be the owner of my mortgage, unless the promissory note was properly delivered to the trust by the cutoff dates that the trust could accept assets. If XXXX owns the mortgage or the note please provide the requisite chain of assignments from the originator to the sponsor who organized the securitization of the mortgage, to the depositor and then to the trustee. Please provide the delivery and acceptance receipt to document the transfer and delivery of the note from the originator, to the sponsor, from the sponsor to the depositor and from the depositor to the trust. Furthermore, I am disputing the promissory note as being the original note because a copy of the note can be copied multiple times. I want a color copy of the note, front and back and will not accept anything less.
My home is located in an HOA that was managed by XXXX until XX/XX/XXXX. During their management numerous accounting errors were made which resulted in a $ 300+ balance that was turned over to Nagle and Zaller in XX/XX/XXXXfor collection. Specifically, these accounting errors were the recording of returned check in XX/XX/XXXX and the non-payment of dues in XX/XX/XXXX. After receiving this account, Nagle and Zaller placed a lien against my title for the $ 1600+ outstanding balance owed. I became aware of this balance upon attempting to refinance my home in XX/XX/XXXX. Over the course of the last several days I 've sent two cancelled checks showing that payment was made on this account in both XXXX and XX/XX/XXXX, effectively showing that there was never a balance owed and that this account should not have been turned over to the law office for collection. Further this proved that the lien that was placed against my title should have been immediately released as it was stemming from accounting errors on the part of their client, XXXX.
We ca n't reach them. I received a letter from XXXX that I was approved with a XXXX score and that I can call or go online to www.equifax.comXXXX to request the free copy. I have called and the voice prompts wo n't allow me to get the report and there is no way to reach a human. I have gone online and it states " it is unusual for someone below XXXX to have credit and if I want to file a complaint of fraud I need to send personal documents such as birth certificate, social security number, drivers license, etc. to open a case ''. This is insane to send XXXX with no signature ( just sending it in general ) is a major chance of getting in the wrong hands if lost. The phone recording wanted a fee to get the information as well. 

These bureaus control our lives with credit yet give no means to reach them. This is a serious concern for a graduate of this year who will need credit for school or going into the job market. These credit bureaus need to be mandated to have a person to contact. We need a copy immediately and have no way feasible to reach anyone to open a complaint. 

Not an expert on credit report but it seems highly unlikely to have a score without credit and we suspect that my credit has been jeopardized and have no way to confirm or start a process. I will attach birth certificate and letter from XXXX approving my credit card and the reverse of the letter showing my score. The approval process was through XXXX which XXXX gave a credit card as well as XXXX.
I took out several loans through XXXX in my name for my daughter to help pay for her college tuition. When she was done school and still searching for a job, she kept getting harassed by navient and XXXX. We explained to them that she was not working at the time and that she was not able to make payments. We had a small past due amount and they told us once it was up to date that we could file a deferment. Once we paid the past due amount we spoke with another financial counselor through the company who then told us we were not able to go through a deferment. We were very frustrated and just decided that she would start paying once she found a job. Navient and XXXX called me several times a day, at all hours of the day. They were not willing to work with us on anything. My daughter found out several months after she got a job and started paying her XXXX loan that she was on a loan deferment for three months, but that the company kept calling her multiple times a day harassing her for bill payments! 
She is now paying all of her navient & XXXX loans but is trying to get them lowered, she only works part time and has other loans to pay in addition to this. We called Navient yesterday to see if we could get the payments lowered, and all the representative said was that they can try to lower XXXX of the loan payments by {$29.00}. I also have asked them several times over the phone to send repayment options through the mail, they said they sent them out several times but I never received anything from them. As of now she has to pay navient until 2041. I hope that young adults with student debt will be forgiven from this amount of debt, it is crippling.
Someone is using my Social Security number and has a mortgage and credit card. I could not access my report because of this.
XX/XX/XXXXI was denied credit by XXXX XXXX XXXX is perfect or near perfect so fearing data had been breached by Experian hack immediately checked all credit reports including Experian. Only anomaly that I was able to find was the date of birth was wrong. It was reported as XX/XX/XXXX vs correct year of XX/XX/XXXX. I went to Experian this morning XX/XX/XXXX and attempted to correct and website would not allow and only provided links to this site. I need a phone number or link to upload correct information.
On Experian it 's listed as " XXXX XXXX XXXX XXXX XXXX '' and on XXXX and Experian it 's listed as " CT XXXX XXXX XXXX XXXX ''. I am attaching a few documents. One is my payment history with this account. My responsibility to this account is {$180.00} a month. I have not missed one payment, yet my current credit report lists this account as missing 7-9 payments. Also the CURRENT PAYMENT STATUS is  still listing at 120-149 days late which is not true. Payment breakdown below with sheets attached : XX/XX/XXXX {$2800.00} to XXXX XXXX XXXX XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$140.00} to XXXX XXXX XXXX XX/XX/XXXX {$540.00} to XXXX XXXX XXXX XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$140.00} to XXXX XXXX XXXX  XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$180.00} to XXXX XXXX XXXX  XX/XX/XXXX {$180.00} to XXXX XXXX XXXX XX/XX/XXXX {$190.00} to XXXX XXXX XXXX Please update this to ACCURATELY reflect that I am current on this and not past due. As you can plainly see from the payment sheet attached I have not missed any payments ( at least none that I know of ) in the past 13 months. I have not received any bills or notices from this creditor in the past year. Not one! You 'd think if I had n't paid this in 14 months and was past due Id get a letter or notice asking for payment. This false information and outright misrepresentation of this account is costing me XXXX points on my FICO.
I have sent numerous disputes to Equifax regarding a closed account for XXXX from 2001, to no avail.  Equifax has refused to correct the incorrect information in my credit report.  I no longer have an account with XXXX or an outstanding bill; however, the inaccurate information has been reported in my credit file repeatedly.  I have experienced a credit breach with Equifax and have attempted to resolve this incorrect information continuously for almost two years.  I am requesting the incorrect information to be removed from my credit report.  It has been removed with XXXX and XXXX, but Equifax continues to report inaccurate information.
Purchased vehicle with 21.9 % interest and the sales person was not clear about the terms of the contract. The XXXX mile four year warranty was really only a XXXX mile four year warranty. The sales persons were deceptive and not looking out for the customer and more focused on commission of the sale. After nearly four years I still owe more than the original sticker price of the car. The car needs major repair but the warranty is expired. They refuse to offer refinance option to make the car more reasonably affordable. It may take four more years to pay off a car that has started to fall apart. I am unable to purchase a dependable car because of this terrible contract with them. I feel like I was trapped into a bad contract. This contract is forcing me into filing bankruptcy as an only alternative.
I have an account with XXXX XXXX XXXX and there was an agreement with the company that they would report the account as paid as agreed with no derogatory information. A conference call was made to the home office upper management and they indicated they would send the information to the bureaus. I thought this would have been resolved already. When I received a copy of my credit report it was not resolved. I then had the account disputed in hopes Equifax would contact the company and the company would confirm the payment history should be corrected. Apparently this was not done or the response I received from Equifax would have reflected the correction. This would indicate to me and anyone else Equifax did not contact the company and investigate the account.