WillisBack/dataset-financial-user-claim huggingface dataset:
The credit bureau is incorrectly reporting that I was past due on  XXXX  different  XXXX  student loans from   XX/XX/XXXX  to  XX/XX/XXXX . Th is is not correct information as the account was consolidated and transferred to a new servicer. The account numbers for the  XXXX  accounts are : "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  ''. I always made my scheduled payments on time and I never let it run late. I have disputed these inaccurate late payments on numerous occasions with the credit bureau but they have disregarded my disputes as frivolous and ignored my requests. I reached out to  XXXX  and they sent me a comprehensive payment history showing how I was never late on my student loans. I am including this payment history attachment in this complaint so the credit bureau can update their records and process my dispute properly. I sent this same information to the credit bureau but to this date, nothing has been done to process my request.
XXXX was authorized on XX/XX/XXXX for XXXX XXXX on XXXX, it was a one time charge, and when it was processed there were ample funds to cover this charge. I see that it 's now showing up on XX/XX/XXXX, well past the posting date causing an invalid {$38.00} NSF fee. I request that this overdraft fee be removed. Furthermore, an XXXX charge for less than one dollar is completely ridiculous. Per the terms on overdraft, The NSF charges described above are applied for processing items presented for payment against insufficient funds ( NSF ) with a maximum of XXXX charges per day. This payment was presented on XX/XX/XXXX, therefore the NSF is invalid. 
In XXXX 2016, I filed a complaint against this company because I thought that as long as my posted ( Cleared ) balance did n't drop NSF than I would n't get charged a fee. However, what they sent CFPB and me, it 's based on when the card is swiped, not the posted balance. Now after a conversation with them, they are changing and sending me a fee for this.
This company has reported an account to the credit bureaus which is currently reflected as.negative.information on my credit file. As a result I have received adverse action and high interest rates. I never received any notice or a right to dispute.this account. The debt is in the amount of XXXX and this company never served.me.any notice, gave the right to dispute.nor have they validated this information as it is requires.by law.
I am filing this complaint against my mortgage company Nation Star located in XXXX TX. I have a adjustable rate mortgage. I purchase this home in XXXX 2007 the first mortgage company it nation star after about 6 mos after we sign the paper my daughter XXXX is the primary on the loan but does not live here she only help me out at that time because of her credit status was good and my was between fair and poor but my rate is XXXX at that time and it still is the rate never drop. I have been trying to get this mortgage out of her name and place in my name only so she can purchase her own home one day. I have paid this mortgage by my self since then which is XXXX. I have try to get a modified loan from them but can not I did all of the paperwork and fax everything on time by the time it got to the last part of the process they said I was missing some paperwork mine you through this process I have fax and talk to a lot of different people at nation star but was declined because they said I did not get it them on time I have every piece of paper that was done and fax to them. I was also told by one the representative to go and put the taxes in my name and they would be able to take XXXX name off of the mortgage but they did not. I have brought my credit score up and have try to get it refinance they last company said they could but once they found out it was a conventional mortgage they said it was nothing they could do was told to contact consumer financial protection bureau. To see if you could find out if this loan is a pertgetory loan
XX/XX/2015I closed my credit card account ending in XXXX on XXXX/XXXX/2015. The account was paid in full when the account was closed. The account was online and I did not receive any paper statements on the account. 

On approximately XXXX XXXX, 2015 I received a letter from Bank of America. The letter stated my account was past due in the account of {$160.00}. This was the first letter or email I had received about the closed account XXXX. 

XXXX XXXX, I phoned the number on the letter ( XXXX ) and spoke to XXXX, then XXXX and then XXXX. I spoke for a total of one hour 12 minutes to Bank of America. 
In speaking with XXXX I was told a company called " XXXX '' charged my account in the amount of {$100.00} and the rest of the charges were late fees. XXXX told me if I paid the {$100.00} he would take all the other fees off the account. I was unhappy something was charged on a closed account and asked to speak to a supervisor. 

I was transferred to XXXX. XXXX told me things could be charged to a closed account for 30 days after an account was closed. XXXX told me if I paid the {$100.00} all the other fees would be taken off the account. I was unhappy something was charged on a closed account and asked to speak to another supervisor. 

I was transferred to XXXX. XXXX told me the " XXXX '' charge was made on XX/XX/XXXX. This is 44 days after my account was closed. XXXX told me anything could be charged to a closed account. XXXX said I had to pay {$100.00} which was the " XXXX '' charge as well as interest and then all the other fees would be taken off the account. I requested all the statements be mailed to my address. I have none of these statements and I ca n't look online at anything on the account because I closed the account. 

At this point I simply wanted to be done and I felt VERY harassed about the whole situation. I paid XXXX and she used check number XXXX from my XXXX checking account. XXXX told me the case number for the issue was XXXX. 

XXXX XXXX, I received a phone call from XXXX at XXXX. She requested I pay another {$1.00} and some change for additional interest. I hung up the phone. 

I am very upset about this issue. 
We paid in full XXXX CLOSED our account on XXXX have no access to the account, because it was closed online and we did not receive paper XXXX days AFTER our account was closed, Bank of America took a charge on a CLOSED account. 
When we did receive a paper bill/statement, we call XXXX receive different information from different customer service people. 
We DID PAY the charge & interest, just to be done with Bank of America, and then Bank of America did n't take off late fees AS THEY SAID THEY WOULD. 

Would you please assist us with this matter? 
Please contact us anytime.
Upon moving to XXXX XXXX recently after residing in XXXX XXXX for 7 years I have never heard of this debt that seems to be something from 2007. I divorced and was driving a twenty year old car so I was looking to purchase a used car that was more reliable so this company Pressler & Pressler contacted me right after I was at dealership, so they ran my credit. The only thing they have done was one phone call to verify my employment and then a judgement to garnish my wages which seemed so harsh being I honestly new nothing about this. Its been ten years how can this happen and when I went to the court because they would n't even tell me what it was the court did n't even know what the debt was from all they said was it looks like maybe it was some kind of credit card. Can this happen so drastically this would literally put me in a terrible place financially I 'm barely surviving now. Apparently upon research this company buys old debt and just takes extreme measures to get paid I wonder myself if they keep it. I really feel helpless obviously I ca n't afford an attorney. Thank you for your time if any additional information would help on my behalf I would be more then happy to share. I filed a motion along with two certified letters wanting more information. 

Sincerely, XXXX XXXX
Hello - I have a mortgage with Wells Fargo. Back in XXXX I met XXXX XXXX from XXXX associates. He said he can help me get a lower rate with my mortgage and lower payments. My expenses went up. Higher car payment and my husband hit a parked car in the ice left his name on the windshield and his insurance went up. In the meantime I told XXXX I had a modification back in XXXX 2014. Little did I know that FHA modification are only every 2 years. XXXX told me that does not matter. I paid him {$1900.00} and wells fargo did take the application back in XXXX but I need a quit claim deed to take my father in law off the income because he is a co-signer. It took sometime and months went by I will still needing the deed the get recorded. With the XXXX here and a case of bed bugs in XXXX hall it took longer that I thought. When I spoke to Wells Fargo they said we could not help me until the 2 years was up. Why did they take application and not tell me so many months went by now I owe {$8000.00} and it will go in foreclosure unless I get that payment. I was scammed by XXXX XXXX and I think because of that Wells Fargo should help me with somekind of assistance because they communicated with him and went along with not telling me it was impossible. Please help.
I was notified that I had taken out a loan, tried to fight it with the vendor and eventually just paid it to get it off my credit. It is still on my report and I want it removed. The above reason does n't accurately describe it. I did not ask for the loan or receive  it. Ad Astra  originally said if paid the account would be removed but now said they will only remove it if I file a complaint. Please advise.
I was co-signing a car for my son, I was told that my credit wasn't going to be run more than once. I asked them to send the loan application to XXXX XXXX  I specifically asked that my credit not be ran because it was result in hard inquiries on my account lowering my credit score. The people at XXXX XXXX assured me this would not be the case. But the following day I saw on my XXXX XXXX report 5 new inquiries from they used to run my credit. I'm upset because I requested this not to happen and now I have tried to file a dispute with XXXX and transuion. But I am unable to proceed.
In 2017, Discover Cards started airing a promotion and still have a promotion on its Discover IT card, that states no late fee charged if a payment is missed. I saw this on the TV and called to confirmed the advertisement with a Customer Service representative that confirmed that it advertisement was accurate. I asked if this I could use it and it was affirmed that I could. I soon learnt the hard way that their advertisement was not accurate. Following using the purported information of the advertised promotion but line of credit was decreased. Immediately I called to inquire why my credit was reduced and I was told that it was due to missed payments. 
You see I have been a customer for over 17 years. For the past 5 years, I have been paying down my balance on the card. With a credit line of XXXX, my balance in 2017 was about {$6500.00} which I was looking to pay down. I was dismayed when I realized that they not only decreased by card from {$16000.00} to {$6500.00}. Following the decreased Discover card, representative started contacting me that my balance was close to my credit limit. What were they expecting? When an organization reduces a customer 's line of credit to a few hundreds close to what they owe obviously the balance due would be close to the available line of credit until the balance is paid down. 
I am requesting your assistance to have Discover Cards stop its false misrepresentation/ false advertising as it is not exactly what it confirmed to the customers. Also, Discover Ad is misleading and once a customer uses their deceptive ad they are charged late fees contrary to what the customer was made to understand would be the outcome. 
In addition, I am requesting that all the late fee charge be reversed. And, I should be put in a position I would have been should I have not used this promotion that stated no fee charge for missed payment. 

I can be contacted on at XXXX XXXX XXXX XXXX Thanks for your immediate assistant. 

XXXX XXXX
On XXXX/XXXX/XXXX, I petitioned the court to include my Student loan in my chapter XXXX bankruptcy. It was approved and my bankruptcy was discharged. This account should be closed and has been closed since XXXX
On XXXX/XXXX/XXXX I have an ER visit to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX this facility was getting absorb by XXXX XXXX XXXX Went there for a XXXX got administered medication and left the facility same day -- I got an XXXX that explained to me that insurance will treat claim as In Network and my responsibility will be my deductible + Copay amount total {$390.00}. At that time called Insurance and told them to revise claim and never heard anything or got anything else on the Mail advising resolution. Called Hospital and explained and they promise to advise me of situation before turning anything over to a collections agency. 

I moved to another address as advise Hospital of such -- My insurance also shows a bill from the DR who did not took care of me and explained to them nobody but my sister was with me while they administer the medication since IV was put on by paramedics. again asked of itimized bill of charges and they told it was still under process. Never got me a Bill. since I did not receive anything I thought this was resolve. 

This weekend Saturday XXXX/XXXX/XXXX I got a Bill from XXXX XXXX XXXX for {$3300.00} -- -- So I called Hospital for more information while I checked XXXX for XXXX and realized hospital filed same claim XXXX different times against my insurance and when they got pay already {$610.00} for the bill. When open on detail for what is being file I also see duplicate charges -- asked for the hospital on a detailed statement and explained I did not have services worth {$3000.00} and they said they will send me something but situation was already out of their hands since account in now in collections. 

After this I proceed to contact collection agency -- find out they decided to turned this over XXXX/XXXX/XXXX for {$3300.00} and explained Representative XXXX ID XXXX about it and insist not too report this against my credit since some charges on the bill will be review and hospital told me to wait on bill and gave them a call -- He made me understood will report against my credit in 30 days but I told him not to report since Bill is under investigation. 

I feel Hopeless this collection agency established in California does not care. this causing lots of stress and recently have a baby going thru to XXXX. I strongly believe hospital not even have fraudulent charges but also how to get more money ouf of insurance and never contacted insurance or even send me notification of this totally unethical. 

Please advise -- collection agency have no signed document that allows then to have my XXXX neither I signed anything release on the hospital so as know violating my right for unfair collections practices but also in violation of XXXX, I also have copies of XXXX if needed.
I was alerted by my identity theft monitoring program that a creditor placed an account in collections with all XXXX credit bureaus. This is the first I 've heard of this company and this debt. The creditor has never contacted me or informed of any such debt.
On XX/XX/2013 XXXX XXXX XXXX CT-XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
I have had extreme difficulty with Chase Bank presenting a reasonable modification agreement for my mortgage, which had gone on for some time. I had a modification application entred in to Chase in XX/XX/2018. I had not received any updates or request for more information, but I have sent in updated pay stubs over the past months. Chase put my house up for sale and executed a sale on XX/XX/2018, but I have never received any communication directly to me about the status of my modification application. They did not call or send my any request for information or any indication of the modification decision, yet they went ahead with the sale. Also the property as sold for {$47000.00}, which indicates that they had room for a reasonable modification agreement even with principal reduction. I wish for this to be investigated as I have had this problem with Chase for some time, but time they did something different by not sending me any notification of my modification application status, and selling the property for {$47000.00} which seem to mean there was an opportunity for a modification .By not notifying me of the modification application status i had ot chance to respond or request a second review before the sale.. Kindly look into this matter as Chase has been very unreasonable throughout this loag lasting ordeal. Thank you in advance
All 3 credit bureaus are reporting unauthorized credit inquiries which I have attempted to dispute online with no results. Upon noticing the unauthorized inquiries, I immediately placed a temporary fraud alert on all reports. I would like these false inquiries removed from all 3 reports. 

XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
My card was used fraudulently XXXX XXXX XXXX at XXXX XXXX XXXX 's in XXXX in the amount of {$85.00}. My credit card company Capital One was informed and stated that I would be issued a new card and my account refunded. On XXXX XXXX I received a letter stating that the card had been deactivated, a new card mailed, and my money refunded. On XXXX XXXX I received my statement which showed the refund and it was also reflected in my available balance. On XXXX XXXX I attempted to use the money and my card was denied. When I called Capital One I was told that the money was on a 30-90 day fraud hold and was unavailable until the investigation was completed. This was not stated at anytime and I feel my money is being held fraudulently and should be made immediately available. When I have their money I pay interest however they are not offering to pay me interest. They refuse to provide proof that they stated 30-90 days even though I have provided proof of them saying it was refunded. One agent even asked me if I was the one that actually made the charges even though the charges were done in XXXX then immediately followed by a charge in Illinois and I live in Washington state and have never been to either place. That was insulting and unprofessional. I humbly request that you investigate this matter and provide relief as you see fit.
I have sent letters and spoke over the phone with Experian Customer Service Reps. I have explained to them that XXXX of the addresses do not and have never belonged to me. I stated to Experian that they are the only credit bureau that is reporting these XXXX addresses that do n't belong to me.,
I made my payments fully at the end of my billing cycle. This was very important because I needed to show 0 % utilization on my card. I am in the middle of purchasing a home and credit card utilization can hurt my score.

Penfed incorrectly reported that I had a balance on the credit card of over {$2000.00}. My credit score went  down 14 points, which put me below the limit of a good interest rate and increased my payments by {$350.00} per month between higher interest rate and Mortgage Insurance. 

I spoke with XXXX XXXX from customer service in Penfed Credit Union, who sent a request to the department of Credit Bureau Corrections to do a reversal and do a report of paid off balance. 

Attached you can see that my credit available is {$10000.00}, which is my maximum credit, meaning that I have XXXX balance on the card due.
I attempted to make a withdraw from a Regions ATM in the amount of {$280.00} from an XXXX XXXX XXXX card. I use this ATM several times a month in varying amounts without issue. Today I received an error message after submitting my withdrawal and I was not given the cash requested or a receipt. My XXXX account was debited for {$280.00} to include the fee charged. After contacting Regions about this issue, I was told they have no record of the transaction and would not be able to assist me whatsoever. 

Their ATMs error is costing me considerable financial strain. I needed this money to pay my car payment which will now be late and runs the risk of repossession.
Previous complaint  XXXX  regardi ng USAA. I had been a customer of USAA for many  years. In  XXXX  I went through a divorce and was financially devastated. I had an auto loan and a credit card with  USAA  that I could no longer afford to pay. They auctioned my car and I was responsible for the remaining balance. After a long period of time, accounts went to an outside collection agency. I dont have the name of the agency but I worked with them to settle both debts. It was VERY CLEAR these were settlements, not payment plans as I knew they were done when all my payments were made. I believe it was  XXXX  when my payments began. My name at the time these debts were incurred was  XXXX   XXXX . The only other information I have is  XXXX   USAA  account number ends in  XXXX  and the other USAA account number ends in  XXXX . I paid both debts faithfully, auto deducting from my checking account bi-weekly. I have evidence from my bank that every payment was made and the last payments made were  XXXX   XXXX . In  XXXX   XXXX , I got a call from a collection agency regarding this SAME DEBT. I advised these had been settled and paid as agreed. They said they had not and they would continue to collect. I do n't have any of the settlement paperwork since I have moved my home and thought it was over. Now, both of these balances are accruing interest every month and reporting >  XXXX  days past due every month. I paid these accounts per our agreement and I need the credit bureaus to be reported as such and STOP TRYING TO COLLECT ON DEBT I ALREADY PAID!!! This is illegal!!
CoreLogic/XXXX has placed multiple hard inquiries on all XXXX credit reporting agencies without authorization. I have disputed this matter with CoreLogic/XXXX multiple times, and they only send the same " formed letter '' XXXX times ( the exact same letter ) without any proof or any authorization. 
They must send me copies of signed proof/authorization or remove all hard inquiries from all the CRA.