WillisBack/dataset-financial-user-claim huggingface dataset:
I opened one account with XXXX XXXX XXXX for a wireless phone. I paid consistently on my bill. Somehow, there were 2 accounts created when I did this, and XXXX XXXX XXXX already told me I only owe {$170.00} total. They couldn't even figure out what the other amount was for. They admitted they had never seen this before, but it was their mistake. So of {$360.00}, I ony actually owed them {$170.00}, which I have paid. The XXXX   people called the debt collection agency, Diversified Consultants, Inc., and while I was there XXXX and I both spoke with the collection agency. They agreed to lower the amount that I owed to {$170.00}. I paid the amount a few days later. But there's still a balance of what was left from the {$360.00}, and it ended up on my credit report. XXXX  can not do anything about it but said to dispute the charges with Diversified Consultants.
The company keeps calling me all over and over again. Ive told them to stop calling even sent them a letter.
I submitted the dispute number : XXXX on XX/XX/2018. I called last month to get the update and surprisingly they did not do anything about it. According to Fair Credit Reporting Act 615. Requirements on users of consumer reports [ 15 U.S.C. 1681m ] and 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] The report agency Transunion has to investigate in 30 days. Today XX/XX/2018 has been 83 days and there is not investigation and continue affecting my credit score which went down by 110 points
To whom it may concern : My credit score has been dropping over the few months ; when researching the cause, it seems that there is an " outstanding balance '' on on my XXXX XXXX credit cards. However, I had already paid this credit card off in full and therefore, did not believe that I had any balance left to pay.
When my credit score dropped by another XXXX points this past round and the outstanding balance was cited again, I saw that there was an outstanding charge of {$1.00}.
When reviewing my statements, it looks like even after I 've paid my last amount in full, there was a retroactive interest charge / fee that was applied without my knowledge, resulting in the {$1.00} balance that was applied in XXXX  and carried over into XXXX. When I called XXXX XXXX Credit Card services, they removed the {$1.00} balance as a " courtesy '' ; however, they cited this charge as an interest charge.
Despite the generous removal of this {$1.00} balance, my credit score has taken quite a hit. Therefore, I was wondering if there is any way that I can rectify this situation and / or if there are other factors that are contributing to my low score. Please let me know if there is anything that I can do / if you need additional information from me.
Warmest regards, XXXX
In XX/XX/2018, I discovered that my ex husband opened a joint credit card account without my knowledge, which I was alerted to when it impacted my credit score negatively. I filed an Identity Theft Report with the FTC, the 3 credit reporting bureaus and XXXX XXXX  ( the issuing creditor ) on XX/XX/18. XXXX claimed to " investigate '' the matter but did so without contacting me at all. Their determination was that the account was opened online without my signature but with my correct personal information, had been open for 4 years so they claim it is a valid joint account, the credit card information went back on my credit report and is again affecting my credit score negatively.

I NEVER gave permission or consent to be a joint member on this account. I have never used this credit card account, not one single purchase. I never saw one credit card statement that came to the house. This account didn't exist to my knowledge prior to XX/XX/2018. It was opened over the internet, not in person ; there is nothing to indicate I am a willing member of this joint account. My ex husband had my personal information because we were once a couple, pure and simple ; he then used that information fraudulently. I want XXXX to recognize this is legitimate fraud, to remove my liability from this debt and remove it from my credit report.
Wells Fargo Home Mortgage, in letter received today from XXXX XXXX, SVP,  advises that loan XXXX in good standing for 14 years is being transferred to XXXX XXXX XXXX XXXX, effective XX/XX/2018 and that I will not be able to contact Wells Fargo about this loan after this date. 

NO EXPLANATION OR DISCLOSURE ON CHANGES TO LOAN SERVICING FEES OR LOAN TERMS AND CONDITIONS IS PROVIDED.
As of XX/XX/2017 public records items were " deleted '' from my report ( see enclosed doc ). The items have been added back to my report in violation of FCRA regulations. Please remove items an take the necessary steps to prevent them from returning ...
My credit report states that I have a collection with XXXX XXXX XXXX. 
Since XX/XX/2018 I have requested twice that they send me information about the collection, date of service, patient, place of service. The account is also reporting Joint. I do not have any Joint accounts. 
Called again today XX/XX/2018. there was no answer.
Mortgage company roundpoint is not responding to request of closing escrow account and forcing me to keep it open for two years after loan starts even though i meet all the requirement for closing escrow.
On  XXXX / XXXX / 17 , I spoke with a representative claiming to be a representative with  Navient Department of Education loan. I found their number through the   XXXX   search engine. The number actually called is a different one listed on the main search engine page. Once it was called, it switched to a new number. The representative asked if I was aware that FASA req uired an updated account with a new number. She said her name was  XXXX  and she would need my updated email address, social number, and annual as well as monthly income in order to speak with me about my loans. She made me read off  XXXX  confirmation codes received via email. She then held  a 15 m inute conversation with me concerning the reason I had been approved for loan forgiveness and requested a {$600.00} payment in order to freeze my current loans. I denied this option, and she asked if she could call me back in one week at  XXXX . I told her no, I was not interested and hung up the phone. She put me on multiple holds and has continued calling me from multiple numbers claiming to be part of the  XXXX   XXXX   XXXX . A few of the numbers are  XXXX  ( based in  XXXX   XXXX , fl ),  XXXX . I contacted  XXXX  to reset my password & username along with new security questions.
The dispute process with Credence began in XX/XX/2018. I sent a dispute letter certified with return receipt ( see attached ). Credence did not respond until XX/XX/2018 ( see attached letter ). This is unacceptable and a violation of consumer law. The response that was provided from them on the attached letter is a mere, arbitrary number that lacks veracity. In my request to them, I requested an agreement that stated their authority to collect on this alleged debt, date this alleged debt became payable, original delinquency date, as well as complete accounting of the alleged debt. Credence failed to provide any of these. To date, they are currently reporting this entry on XXXX and it should not be reflected on my credit reports. My request is for this entry to be immediately DELETED from my credit reports and for XXXX to send a fully updated, current report to me that reflects this outcome.
I decided to sublet an apartment through a post I saw on  XXXX . The apartment was located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MA. The contact who I spoke with was  XXXX   XXXX  and his email was  XXXX  XXXX  XXXX . I viewed the lease and needed to send a deposit of {$3000.00} to hold the apartment and to take it off of the market. I was given an account and routing number to send the money to.     I went into the  Citizens Bank  branch located at  XXXX   XXXX   XXXX ,  XXXX , MA on  XXXX / XXXX /  XXXX   at approximately noon. I went in asking to speak with someone because I was wary of the situation. I wanted to see if sending a wire transfer was safe and what my rights were to receive this money back. I acknowledged that this was a  XXXX  posting. I spoke to the  manager   XXXX  and he had me sit with a junior worker. I gave the representative the account number and then the routing number. He stated that the routing number did n't match to that of the account. As I did not have another routing number to give he proceeded to look and select  one himself. He stat ed how it was odd that there were so many accounts in so many different states held by this holder. He assured me this was n't a fraud since he found a routing number that matched the account number. Meanwhile this citizen 's bank representative was unprofessional and made me feel uncomfortable throughout the whole process. I was alone and among other things he commented on how I am " all set '' due to the number of savings I have in my citizen 's bank account. He even said he knew  one  of my coworkers discussed alcohol and how he often gets drinks with my coworkers. As a young female I was n't comfortable with him serving me but went through with the transaction out of pressure.     After leaving the office I felt that something about the transaction was not right. I immediately had reason to believe that the  XXXX  posting was fraudulent. I calle d Citizens ban k after hours on  XXXX  to notify them and see what I could do to get this money back and to cancel the wire. They said since it was  XXXX  or after business hours that there was nothing that they could do but to call the next day. I called the wire department the next day and they opened a claim but told me that it was too late. Ever since then I have been told many different things by citizens bank about what should or should n't have been done. Not many people at the bank seem to know how to handle an incident like this and I was skirted around many times. After contacting the  manager  in the branch he said that I should have contacted him sooner rather than the citizens bank wire department hotline and he said he was working with the fraud department. I was told by him that I will not have an answer about whether there are or are n't funds to be returned until  XXXX .     The receiving bank for the wire was   XXXX   XXXX   XXXX   XXXX . I am currently waiting to see if there are funds in the account or whether the account was liquidated. If it was liquidated I have been told that I will receive nothing in return.
I have been an American Express card Holder for 11 years, recently I had a situation occur where I made a clerical error in linking my Business card to an inactive checking account because I mixed up my account numbers. This caused several returned payments to American express. However, when this happened Amex would contact me and I would make my payment to them over the phone still paying the account on time and as agreed. There was some confusion at my bank and I couldn't figure out why payments were being returned. However despite this issue I always paid the account as agreed on time. Without any warning Amex closed not only my business card account but my personal card account as well even though my personal card was in perfect payment standing. They did this without notifying me properly. When I called customer service I was routed to an office in XXXX, where there were language and cultural barriers that greatly hindered any resolution to the problem and they refused to help me. When I asked what was going on they said my accounts were flagged by an " algorithm '' and automatically closed because of returned payments. After being a loyal customer for 11 years and paying my card on time as agreed despite a small clerical error. I expect superior customer service and humans that can think and reason to address issues created by XXXX " Algorithms ''. Further when I asked why my personal account was closed too they had no viable answer.
On XXXX XXXX, 2015 I received in the mail a notice from Penn Credit Corporate, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX for a delinquent bill. I live in XXXX and never lived nor visit XXXX Demanding {$45.00}. For a public service bill. For my previous address. However I did not have a XXXX account. If I did I would have assistance due to low income. I did not receive a bill from XXXX itself. I would never be negligent paying my bills. This is very upsetting. Therefore, I think it 's a scam ... Thanks
My client is trying to do a short sale with XXXX bank. XXXX bank is stating that there is a second lien that is not paid off with XXXX XXXX XXXX Bayview XXXX She filed for Bankruptcy and this account was included in the bankruptcy. She was making monthly payments to the trustee and once the process was done her attorney told her that the account has a zero balance and that she should be receiving the deed to her house. Her attorney has no idea why there is a XXXX balance and why Bayview keeps sending paperwork for her to go to court when she does not owe anything.
XXXX XXXX XXXX has a closed account on the Equifax account. The other 2 agencies do not have it appear on the report after it was challenged and successfully disputed. Equifax still has it for the THIRD time and it adversely affects my credit score. No one can be this sloppy, this is intentional.
This started with a purchase of my home. In order to be approved for the mortgage, I had to pay off all of my debt. I called XXXX XXXX XXXX, which is through BofA, and was informed my balance and payoff was {$1300.00} and so, I wrote a check out to XXXX and wrote ACCORD AND SATISFACTION and wanted the account closed. Instead, XXXX sends me a new card and then sends me a statement indicating that {$1300.00} was not the payoff amount and that I owed MORE MONEY and now, they are sending me to collections. The Check Number XXXX, dated XX/XX/XXXX was cashed. 

Now, I am receiving correspondence from Bank of America, which is enclosed, account number ending XXXX, Case Number XXXX, indicating they are notifying all Credit Reporting Agencies that my credit is now damaged and depreciated. I had already notified the Credit agencies of this dispute. 

I am attaching the correspondence which is connected to Case Number ID XXXX
This account has not provided any documentation to support the reporting amount/balance on my credit report. They have also not responded to any of my validation letters sent
I have sent in my dispute/fraudulent letter with proof from 3 notarized authorizations along with police reports to show proof of identity to XXXX, XXXX & Experian. My information has been stolen in 2016 & a couple more years back during the summer! Ive even sent XXXX my CORRECT date of birth with proof of identification like theyve requested & STILL NO UPDATE THIS WEEK TO MY INFORMATION! I thought my account was protected but I guess not! Im just getting my life started. I just found out what credit was at the end of last year!
Bankruptcy Case # XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX   XXXX Original Account Number # XXXX for {$140.00} 2 Years ago after our bankruptcy was discharged we received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX, stating that we owed a bill from XXXXXXXX XXXX   XXXX and that we owed them {$140.00}. We checked our XXXX credit report and sure enough they recently started to report to them. We called them and told them this account was part of a bankruptcy and the bill was taken care of and that we filed a dispute online to remove it from my credit report. They denied that it was part of the bankruptcy and requested proof. We contacted our bankruptcy lawyers, they checked and it was, so they faxed XXXX XXXX XXXX a copy of the bankruptcy report. Our dispute went through, and it was also removed from our credit report. We haven't heard a thing from them since. 
Today, XX/XX/XXXX I checked my credit report more thoroughly than normal and noticed that 6 months ago, XX/XX/XXXX to be exact, they relisted it on my transunion credit report lowering my rating again. They tried to fool us by not putting the orginal date that the XXXX was on which was XX/XX/XXXX, and just listed the opening date as XX/XX/XXXX. No other dates were visable, it was made to look like a newly turned in debt. I called the XXXX XXXX XXXX and told them that my lawyer had already faxed them the information on our bankruptcy, she still denied having it telling me I needed to have them send the information in again. We contacted our lawyer again, and they are resending the bankruptcy information and we filed a dispute again with transunion to try to get this off of our credit score. Our lawyer told us we needed to contact you to get them to stop harassing me, when we paid our debts by paying off our bankruptcy.
On XX/XX/108, My entire tax refund of {$2.00} was taken. I struggle to pay rent bills and buy food. I need some or all of my {$2.00} tax refund back. I have little if any room to make payments on these loans without not paying for food, rent or gas without my tax refund.
received letter from XXXX XXXX XXXX XXXX XXXX DE XXXX on XX/XX/2018 letter dated XX/XX/2018 letter states that they have pulled a credit report from transunion consumer reporting agency and that the reporting agency with report they have lowered my credit limit and the reasons they give have nothing to do with being late nor information that they listed on the report. nothing has changed since i applied for credit card and also have had the credit card for years all ways paid on time no lates paid card off several times to zero 1.balance and they even showed the following : which i find isn't correct 2.deragatory public record or collection filed= which i have none 3.proportion of loan balances to loan amounts to high - which this card balance is higher now due to getting a cash advance to purchase home in florida 4.proportion of balances to credit limits too high on revolving accounts- this is very untrue 5.length of time accounts have been established- same amount of time on accounts with some new accounts and paid off items. 
in addition they lowered and pulled credit report which made score go down and they state its because of that as well. 
I am very concerned as to why this was done especially when i have never been late nor misused this credit card, ( my husband had XXXX XXXX as well and they sold off his account to XXXX ) so this is just really difficult to understand why after all these years and charging the card up and paying off and no lates they are lowering my credit line? and adversely affected my credit score by their decision when i haven't done anything to deserve the way they have handled this for " What Cause '' I find this is fraudulent and unfair as to their practices and card holders are ones that suffer the consequences of having a card with them.
There was a fraudulent account opened with XXXX in XX/XX/2014 as a result of identity theft, I have disputed this multiple times with Equifax but the issue has yet to be resolved.
On XXXX XXXX, I purchased a money order from Western Union to submit to my cable company. The Cable people never received it. I contacted WU and was advised that I had to purchase for {$15.00} a copy of the cancelled money order. When I originally contacted WU in the latter part of XXXX I was told that after I received the cancelled money I would have to contact their office to provide a recorded affidavit attesting that I did not cash the money order. They told me this process would take around 30 days. The time has expired and I do not have my cancelled money and I was told, that after the phone call that I still have to make, the process will now take about 120 days or so. I was also told that even after their investigation, I still may not be refunded.
XXXX XXXX ran my credit through several of their bankers without my authorization and a firm rejection of their financial services ; I walked in their facility with my own financing in hand. Their finance manager XXXX XXXX was rude and unprofessional in his verbiage and manners with me. Further I see just how unprofessional he really is. I am certain there is some recourse for this having over 4 creditors that are unrecognizable too me, and did not have my authorization to use what information was given during the normal course of business when purchasing a vehicle : they took that information and use it in anyway they wanted too!
Now I have a number of ( more than 3 ) rejections on my history for two years! 
I did not initiate the loan or finance hunt with them because I went thru my own Bank -XXXX .
Finance company changed themselves to be the first mortgagee and beneficiary on my insurance prior to loan closing without my knowledge or consent.
Open an account with Fulton Bank couple years back. In order for the account to be closed all fees was paid. XXXX XXXX shows I owe XXXX dollars. All fees were satisfied prior to closing account
XXXX XXXX steered me into forbearance after I graduated and in a year added {$50000.00} to my debt total. I was not given any other options like income based repayment. I was working at a XXXX XXXX at the time making {$XXXX} an hour and they said my only option was a {$150.00} forbearance that would buy me 3 months with no payments. I had no other option as my monthly bills were over {$700.00} for the student loans and I could not afford that. I joined the military to help pay down my student loan debt but have n't made progress because of the insane amount of debt that accumulated thanks to the forbearance strategy XXXX XXXX steered me into. I have since been given a check because they fraudulently did not award me a lower interest rate as a result of my military service and I have found they tried to capitalize my interest early while I was in XXXX XXXX. I have absolutely no faith in XXXX XXXX or Navient as they are called now.
I applied for a credit card through XXXX XXXX but was denied and received a letter from XXXX XXXX saying the credit report provided by XXXX provided 4 possible reasons and outlined them to me in a letter dated XX/XX/2018, none of which apply to me. After a lot of run around from XXXX and XXXX, I requested my credit report and received that on XX/XX/XXXX from XXXX. None of the 4 reasons applied per my credit report either. I also noticed there was an incorrect phone number so I requested that be changed and requested further information as to why I was denied a credit card. Then, I received a letter from XXXX saying all of the info matched and nothing would be expunged. And also, I still have no reason for why I was denied a credit card. Throughout this whole process, XXXX has given me the run-around and XXXX XXXX  has been unclear with the reason I have been denied. I am concerned about my credit but do not want multiple inquiries on my record.
On XX/XX/XXXX, Bank of America issue a temporary debit card from my account to a person that I have never met. At the same time, the bank allowed this person to chose his own PIN and increased ATM withdraw limit. Immediately this person withdrew {$2400.00} from my account {$800.00} at a time, from ATM # XXXX, # XXXX and # XXXX. 

I received a text message stating my withdraw limit was increase and I immediately called Bank of America to report the fraud. The fraud was reported on XX/XX/XXXX. As of today XX/XX/XXXX, the fraud case is still in research and no provisional credit was received. I have called multiple times to inquire the process, the associate always state that they will escalate. However, nothing happens after that. 

I am shocked that a person I have never met in my life was able to convince Bank of America to issue him or her a debit card from my account. I placed my trust with Bank of America for years and it is disappointing the way they handle my fraud case.