WillisBack/dataset-financial-user-claim huggingface dataset:
I called XXXX XXXX on XXXX occasions about hard inquiries on my report. There were XXXX of them in a 6 month span, and I advised them that I may have had only five of them. I alerted them that someone may have gotten a hold of my info and were attempting to open credit in my name. They refused to remove any of them and advised me to contact all sixty of the hard inquiries and attempt to " work something out '' with them. Is there anything I can do at this point.
This is about a promotional credit card bill. XX/XX/XXXX statement amount was {$190.00}, paid {$60.00}. XX/XX/XXXX statement amount was {$130.00} + {$42.00} a non-promotional purchase. Total amount of {$170.00}, paid {$60.00}. XX/XX/XXXX statement amount was {$110.00}. Should have been {$110.00}. I was charged {$1.00} interest on the {$42.00}. They posted the {$60.00} toward the promotional amount, instead of the interest bearing amount first. The federal credit card act of XXXX requires the credit card companies to post to the highest interest amount first. XXXX XXXX has tried to do this to me before, for XXXX and XXXX XXXX XXXX. I imagine XXXX XXXX has done this to many others. They fixed this XXXX problem for me today. It happened at XXXX XXXX XXXX over two years ago. To this day, they continue with the same routine, disobeying the law. THANK YOU
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX, Transunion, and XXXX To Whom it may concern : I am writing to dispute the following information in my file : <Item 1 : XXXX XXXX XXXX Acct # XXXX <Item 2 : XXXX   XXXX  Acct # XXXX I am requesting that these items be deleted/removed from my credit reports according to the FCRA section 609 at your earliest convenience. 

Sincerely, XXXX XXXX
I received a letter in the mail from synchrony bank stating my Credit Card accounts were being placed on hold pending further investigation as they were disputing who I am. The credit cards affected were my Citgo, BP, Amazon, Walmart and paypal. I have had 2 of the Accounts for more than a year and have never missed a payment, been over the lmit or anything. I was locked out from accessing the accounts on line as they claimed this this might be identity theft. I filled out the form they submitted to me signed it and sent it back, to my surprise about 4 weeks later I was able to access my accounts on line but they all said I have no available credit. I immediately contacted synchrony bank and was told told because they could not validate who I am they closed my accounts. Now I have other loans, credit cards, bank loans, etc from other financial institutions I have a valid D.L AND social security number. I am very upset, as by closing my credit card accounts it will it will significantly decrease my credit sore and adversely affect me and my credit.. I am seeking an explanation and for my accounts to be reinstated with full rights as I have not violated any policy or procedure of synchrony bank
Freedom Mortgage purchased my loan fro XXXX Mortgage and did not supply a new account # in the correspondence. Therefore, I mailed my payment to Freedom mortgage well before the due date of XXXX XXXX. They proceeded to call me to collect, send me multiple collection and late notices, and meanwhile they cashed my check and mis-applied funds to someone else 's account. I called my bank, XXXX, and they supplied evidence of Freedom cashing my check ; while someone at Freedom hand wrote someone else 's account # on the check. I faxed and emailed the cancelled check to Freedom ( XXXX XXXX XXXX did directly as well ) ; yet Freedom still is " investigating ''. When asked if they are charging interest on the principal payment I made and they cashed, I was told " I do n't know. ) Their website also did not permit me to access any of my account information after multiple password resets and is clearly far behind the times. 

I have never had a late mortgage payment in over 20 years on any of my properties.
I am filing a compliant against Credit Bureau    XXXX , on  XX/XX/XXXX  I disputed a Fraudulent account on  XXXX /   XXXX    my credit report ... thru  XXXX  &  XXXX  ,  XXXX  sent results back as verified and belonging to me, however  XXXX  deleted the account. I also sent a debt validation letter to  XXXX /  XXXX  and receive a letter stating they will be no longer collect on this account,  XXXX  has not as of  XX/XX/XXXX  removed/deleted this from my credit report.
 XXXX / XXXX  account #  XXXX  ...
I am buying a home with the closing scheduled for XX/XX/XXXX. When my loan officer recently tried to access my credit report info with Experian and XXXX, he found that I was classified as DECEASED on both agencies ' records. This apparently happened when XXXX XXXX reported my husband 's death in XX/XX/XXXX to the credit bureaus. ( He and I held a joint home equity account. ) It is imperative that the deceased designation for my name be removed at once so we can continue to prepare for the house closing. Both Experian and XXXX indicated that XXXX made this report but XXXX denies having submitted info that I was deceased. I just need to have this issue expedited and resolved ASAP. Both agencies indicate that the issue can be resolved but it will take up to 30 days. As of today it is only 22 days until my home purchase closing, so I am panicking.
In XXXX, XXXX Chase issued me a check in conjunction with a refund on my credit card. That check was bad, recalled by Chase, when I tried to deposit it. I called in XXXX when I realized the check was recalled and they said they would issue another check. I waited until XXXX/XXXX/XXXX and still had not seen the 2nd check, when I called this time they said the check had not been " finalized '' by Chase. I told them that day that I was not going to wait for several more weeks for a check because they had failed to submit or finalize my request from XXXX, I requested to have my funds made available to me via back onto my credit card or into one of my deposit accounts at their financial institution. After speaking to a supervisor 's supervisor, unbeknownst to me one of their associates put in for another check to be mailed to me, without my consent ( further delaying the process ). They said they would cancel the request for a check to be mailed to me that was not authorized by me and they would attempt to put the funds back to my credit card and that they would call me back in 24-48 hours. 
XXXX I have yet to hear from Chase, so I called again. They said several things from that they were working on getting the funds back to my card, to they were mailing me out another check. I told them again that I would not wait for another check in the mail and that I wanted my funds back to my credit card. The supervisor XXXX was unable to help me, so I was transferred to his supervisor, who was unable to help me and said that it would be another 7 days. 
I still have yet to have my funds ( in the amount of {$170.00} ) made available to me since XXXX, XXXX. 
I am requesting that Chase put the funds back to my credit card, so that I may have my funds available to me. 
I am also requesting this case against Chase be made to proper authorities as I believe that Chase has at this point been negligent on several counts of making a consumer funds available to them. 
Thank you, XXXX
I have Wells Fargo Business checking account. 
They have placed limits on my online transfers ( transfer out to external accounts ) ... which is greatly impacting my business. 
I have been trying hard to convince them to increase my limit but getting the usual excuse making response from Wells regarding this. 

My money is stuck with Wells Fargo business checking account.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Open:XXXX Balance : {$650.00} Company : XXXX XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$240.00} Company : XXXX XXXX XXXX Account # :XXXX Date Open:XXXX Balance:XX/XX/XXXX Company : XXXX/XXXX Account # :XXXX Date Open:XXXX Balance : {$380.00} Company : XXXX/XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$510.00}
I have asked United Consumers to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I opened an Amex Gold card account in XX/XX/XXXX. One of the advertised benefits is a {$100.00} airline credit, payable against charges including flight change fees. 

In XX/XX/XXXX I was offered the opportunity to upgrade to a Platinum card. I did so. In doing so I was promised a {$200.00} credit for airline incidentals. This reminded me of the {$100.00} I had been promised for incidentals on the Gold card. 

During XX/XX/XXXX I incurred at least two flight change fees, which Amex lists as eligible charges for the purpose of their airline incidentals credit. However, I could not see any credit for {$100.00}, or any other amount. I have attached an email showing one of the flight change fees of {$450.00}, which was incurred on XX/XX/XXXX. There was also an additional fare collection, thus the total amount charged was {$490.00}. I have several other examples I can share. 

I brought this issue to their attention today ( XX/XX/XXXX ) and was told that it was too late to dispute the non-credit of {$100.00}, because it applied to XX/XX/XXXX. I engaged in a lengthy chat ( see attached transcript ), with this line being the last they sent on the matter : " Since XX/XX/XXXX has been over, we would not get an option to do that. That's a reason we would not be able to do it ''.

This seems extraordinary. According to their policy, a card member could incur charges on XX/XX/XXXX, not receive the credit, then be told, " sorry, it's too late - the year has ended ''.
Green Tree Servicing Mortgage Co. harassed us monthly for mortgage payment. They also collected a XXXX dollar service fee for over the phone pay, for years. They sold our mortgage to Ditech mortgage I received a letter stating they broke the law in many aspects and have been sued. They sent a XXXX dollar check. This is not enough compensation for the money we paid them, and the aggravation and harassment we went threw. I would like to know what I can do about this? I can send bank statements to verify if you need them. Thank You
I have contacted Regions Bank,  XXXX ,  XXXX   XXXX    XXXX   about fraudulent information contained in my consumer file with  XXXX . Several accounts were opened in my name using my correct personal information when I was the victim of identity theft. I have provided a copy of my police report, drivers license, and social security card to these business and made them fully aware that these accounts were not mine and they have refused to act in accordance with the laws that govern the reporting of such information.      XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Name :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Reported SSN :  XXXX  Account Number :  XXXX  Routing Number :  XXXX  Date Reported  XXXX / XXXX /  XXXX   Reported for NSF Closure Status : Unpaid Closure Status Date :  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AL  XXXX  Reported Name  XXXX   XXXX   XXXX   XXXX  Address  XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX  GA  XXXX  Reported SSN :  XXXX  Drivers License : ( Blank ) RTN :  XXXX  Account :  XXXX  Reported for NSF  XXXX  Amount : {$130.00} Paid in full settled I have properly notified all  XXXX  of these companies that these are not and were not my accounts and respectfully requested they remove this fraudulent information and they have refused to do so.
Portfolio Recovery is reportinig inaccurately on my credit report. There are 3 accounts that show on my credit reports that are not mine. I have never received anything from this company to Validate this request. This debt is showing from XX/XX/XXXXbut I never received anything from them stating it was my account. I disputed with the account with XXXX, XXXX, and XXXX and the accounts were updated with XX/XX/XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month and they sent me a copy of a bill at an address I have never lived. I asked them to validate the debt and send me a copy of what I allegedly signed for this account and I still have not received it.. I am attaching the letter sent to this company and the proof of certified letter. I want to be provided the actual contract that I allegedly signed for this company. I have informed this company that I have never lived at this address in question.
I purchased a washer through Sears under their credit program 12-months same as cash. In order to avoid service charges I needed to pay in full by XX/XX/XXXX. I ended up making two payments to pay the balance due ; the first on XX/XX/XXXX for {$220.00} and the second on XX/XX/XXXX for {$220.00}, and both payments were sent electronically via my online banking bill pay account. 

The first issue is that I received a bill immediately after for the amount of interest that had accrued IF had I not paid the account in full. I complained and Sears credited that amount, but the problem that within that time an extra amount of interest was applied. 

I tired to explain that this was their error and they should bring my balance to XXXX, but I've been going back and forth. It's a small amount ( probably XXXX XXXX- {$15.00} ), so it's not the fee, but the principal. They are not holding up their end of the agreement. 

Thank you.
I requested that a hard inquiry be removed that showed up on   XXXX   XXXX  . I did not apply for a credit card with  XXXX  's nor did I authorize anyone looking at my credit report.  XXXX  notified me of this inquiry and we contacted   XXXX   XXXX   immediately to have it removed. I than sent Equifax a letter stating that I did n't authorize this and requested removal on   XXXX   XXXX   XXXX    . The responded and stated they had investigated and proved it to be true. I have the letter from   XXXX   XXXX   stated that the inquiry would be deleted. I would like the inquiry removed.
I have a medical debt from XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX. I was told last year to make monthly pmts in office or I could not be seen by Dr. and if payments were made direct to medical office it would not get sent to collection. I continued to make pmts and it was still sent to Century Crdit Collection. Last week I was in direct contact with collections and was informed they received no payments from XXXX. I was bounced back to billing dept of XXXX on XX/XX/XXXX and was told by 2 supervisors they did send pmts to collection agency. Today again by XXXX as a follow up to verify how much they sent and to question how credits were allocated on pmts history. I was referred to another supervisor because they were short handed and my simple request could not be done. Furthermore last week I discovered these debts from so long should of been paid by medical or my insurance. I asked XXXX why was it not billed correctly.? Later I was told by XXXX  it would be billed back with proof of med-ical being active for those dates., and if paid by insurance I would be refunded cash I paid them for old medical debts that should of been paid by insurance. Today I got no where when asking what happened to my last pmts on XX/XX/XXXX of {$75.00}.? I explained on the pmts history it does not show the full {$50.00} towards older debts. I was referred to a rude General manager of the collection agency and was told by him that no calls or any information regarding this old debt would be given to me. And not to call XXXX billing. Also he mentioned he would not give me any information of monies received by XXXX. He said it's on your credit and will continue to stay on your credit. Unless u have it paid by insurance, not once taking in account monies already received for the very same debts. When I called again the reception told me he will no longer take my calls that if I have an Attorney they need to contact him. All of this has been on my credit as negative even while XXXX took cash pmts, and debit card pmt. The general manager refused to tell me or mail me proof of pmts received from XXXX. And is demanding to collect {$1600.00} for the original balance of {$660.00} which is not reflecting the cash and debit card and check pmts made toward this at cmh. I want resolve and I want to deal directly with XXXX Billing and not collections for which it should of not been sent to while payments were still being made to XXXX. I want an accurate account of what XXXX   collected as pmts for the above debts and what they reported as a final balance submitted to collections direct to collect. The collection agency is collecting a fee of {$1100.00} that has nothing to do with original debt of {$660.00} not counting pmts made to XXXX which will reflect a lower balance.I want clarification of true numbers from XXXX billing and not the inflated numbers from Century Credit Collections that is refusing to give me information of the original debts minus pmts they received from XXXX.
I called HSBC Bank that {$14000.00} was drawn from my checking account fraudulently on XX/XX/18. While I was talking to them another {$12000.00} was drawn. I called again XX/XX/18 to find out status of my account and found out that the request for block and transfer of money back was never made. I called them again today and been hold for 75 mins and no answer.
I co-signed a XXXX student loan for my Grandson. He is paying it currently and it is up to date. I just started receiving phone calls from XXXX @ Navient XXXX wanted me to make a payment on my student loan and call her back @ XXXX. I see no reason for them to be calling me. I have n't given them any information. On XX/XX/2017 she called two times. On XX/XX/2017 she called me three times, then I decided to start writing down the times they called. I am not answering the calls they are going to my voice mail. On XX/XX/2017 she called at XXXX,XXXX & XXXX. On XX/XX/2017 she called @ XXXX, XXXX, XXXX & XXXX. On XX/XX/2017 she called @ XXXX. I believe this is harassment.
Continuing and Escalating Concerns of XXXX, the Work Number then, XXXX and XXXX. 

( X ) Contuined Fraud ( X ) Theft ( X ) Scamming X ( Collection ) ( XXXX, XXXX ) Public Notice {$10000.00} National Credit Systems XXXX XXXX {$1600.00} X ( Creditor ) ( XXXX, XXXX ) XXXX XXXX XXXX XXXX {$840.00} X ( Past Employers ; XXXX XXXX ) ( XXXX/Work Number ) XXXX XXXX XXXX No FICO Score ( XXXX )
I submitted a dispute letter to XXXX advising that the debt reported for {$200.00} by NCC Business Service was fraudulent and that I am a victim of identity theft. I was originally made aware of my identity being used back in 2013 when someone filed a tax return under my social security number, name and other personal information. I filed a police report in XXXX, GA at this time. I submitted this proof to XXXX and also to NCC Business and have also completed an identity theft affidavit along with my driver license and notarized statement. However XXXX continues to report this derogatory information on my credit file. I spoke with XXXX at XXXX fraud department and expressed that I have never done business with the original credit XXXX XXXX and they this is a fraudulent crime. I have also requested validation of this debt from XXXX in which they have not provided. Please see attachments that were submitted to XXXX and NCC Business Services.
experian, XXXX and XXXX showing inaccurate inquires now they wont let me check my credit online to fix these issues
After approving our loan and having us remove contingencies on our purchase Bank of America XXXX XXXX branch reversed their decision based on a condition that they had not mentioned at any time during the 2 months that the preapproval process took. During that time we incurred financial expenses that we are requesting the bank to compensate us for. These expenses include the non refundable escrow deposit, the property appraisal and travel costs. Note that we are respected clients of BOA since 25 years.
On XX/XX/XXXX I sent out a certified letter to a collection company to validate a debt that they claim is mine. I specifically ask for a copy of my contract with my signature on it that Prove this is  my debt. On XX/XX/XXXX I received a letter from the company telling me that they can not verify that the debt is mines but did not mention to delete it from my credit report. They are in violation of the Fair Credit Reporting Act. They did not respond with validation and proof that this is my debt. I feel like Ive been denied my rights of debt validation.
I have written Experian on two separate occasions requesting them to send me physical proof -- signed contract with my signature on it pursuant FCRA section XXXX, to verify that tbe negative items listed on my credit file are indeed mine. Despite TWO written request, Experian has yet to send me proof, has also stated they will not look at my file again, and the negative information remains on my credit file. I did not send in a dispute, I sent in a request to them exercising my right as a consumer pursuant FCRA for them to disclose this information. Experian has been negligent and non compliant which is violating the law and my rights as a consumer. It has been two months and the negative items remain on my credit file without any physical verification, which is in violation of federal law, and which derms Experian as negligent and non-compliant. Experian feels they are above the law and are not complying with the law which is very clear
A company I have never heard of, nor have the contact information for, has listed a collections debt on my credit report. It appears to be Southwest Recovery Services. The collection on the account claims I owe {$1100.00} from XXXX of 2016, yet I opened no new credit that year. I have never received any mail or calls from this company so that I could either pay the debt to avoid collections, or, to be able to dispute the debt if it was indeed unfounded. This is a very scary thing that a company can just put something on my credit report, affecting my score and reputation, with something I know nothing about. I have filed with XXXX to dispute it and have it removed, but I do n't know what else to do.
Wells Fargo working with an insurance firm in Florida, allowed this firm to take monthly payments from my bank account of XXXX monthly. I never authorized these payments this started in XX/XX/XXXX and went until XX/XX/XXXX. I went to the manager of my branch who told me they had a working relationship with this firm in Florida, I told her  i never authorized these payment nor bought this insurance from them, and asked her to show me any authorization from me.Which she never could, so they decided after some time  had passed she said they would pay me for three months or so since It was my fault for not checking my statement more closely. I would like full restitution from Wells  Fargo. I have the bank statements showing them automatically making these unauthorized payments.
I have been making electronic check payments to Navient. It takes about 5 days before they are posted. They do n't give a confirmation number when you submit them. In addition, there does n't seem to be any customer service contact number.