WillisBack/dataset-financial-user-claim huggingface dataset:
I was in the process of refinancing my property for my daughters education when I found that my credit report showed recent consecutive late payments regarding my account XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As soon as I became aware of this fact I immediately contacted customer service. It was then I learned that due to a bounced check in XX/XX/XXXX, all ACH draws were stopped. I was shocked and horrified and I immediately paid the balance in full. I asked why I was never informed about this ; the representative said a letter was mailed. When I explained that I never received this letter, the representative checked and together we discovered that the address on file was incorrect ; this is why I never received the letter. In addition, I sincerely had no idea that an ACH draw could be canceled by anyone but me. I have all my bills set up to for auto draw, and indeed when I checked my bank account I saw the balance was extremely high because funds were never debited. I had any knowledge of this bounced check or cancellation of the ACH draw, I would have addressed it immediately. My credit report shows that over the past seven years ( with the exception of XXXX/Loancare ) I have paid every creditor on time and never missed even one payment ; for a total of 354 payments. Ive spent my entire life building my credit. To this very day, I have not received any documentation indicating there is a problem with my account. Only for my attempt to refinance my home for my daughters education, I would still be unaware. The purpose of my correspondence is to request a " goodwill '' adjustment due to the resulting hardship on the reporting of this account to the three credit agencies. I do recognize that this request is unique and that it may not be XXXX normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account reported to be done so accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I 'm hoping/praying/begging that XXXX will do this in my case. If XXXX does not, my credit that I have worked so hard for all my life is gone. I went from XXXX+ to XXXX and it will take seven more years to build it up again. Even more devastating, I will not be able to refinance my home ; I am a single mother, I have nowhere to go and no one to turn to for my daughters school fees. This would create an extreme hardship for our little XXXX person family and it will change the course of her life forever. We will not even be able to pursue an affordable financing arrangement because my credit is so bad. My only option is to sell my old car but I need this vehicle to get to work every day. Im in a complete panic and this experience has left me traumatized. I 'm hoping you might review the circumstances and consider a good will adjustment in light of the resulting hardship.
For over a month now ( today is XXXX XXXX, 2015 ) I have been getting credit card offers for XXXX XXXX XXXX, XXXX. I have requested by phone and have mailed back each mailing ( about XXXX ) that this person is DEAD and has NEVER lived at my address!!!!! It is DISTURBING and DISRESPECTFUL and EMOTIONALLY TRAUMATIZING to continue to receive these credit card offers in the mail!!!!!!! The amount of offers sent is ridiculous to begin with. The fact that my phone and mailing requests to STOP is beyond disturbing! I WANT THEM TO QUIT MAILING THIS TO MY HOUSE!!!!!!!
Hello. In XX/XX/2018 I paid off the entirety of the principal balance for my car loan. I have some lates fees that I couldnt afford to pay at The time and I was Told that this would not impact my credit. I saw I had a XXXX XXXX Balance so I immediately made a payment of XXXX XXXX to pay any principal Balance left and only leave any late charges. I noticed on my credit report that there was a XXXX day late from Wellsfargo dealer services. I spoke with them today on XX/XX/2018 and the told me that this will continue to report until they are paid off. This what was not what I was told and I need this removed from my credit report.
On XX/XX/2018 I checked my XXXX XXXX score and was SHOCKED to see that in about 10 days, my score had dropped by almost 30 points. They also noted a hard inquiry from Synchrony Bank ( Credit Cards/Airlines ) that was applied for or posted on XX/XX/18. 
I never applied for a credit card or had an inquiry run and this is fraudulent. 
I called Equifax on XX/XX/18 to be told that they saw no such inquiry on my report. 
I can not even get through to XXXX. 
I called Synchrony Bank and was advised that they have no record of anything and I was given the runaround to call the credit bureaus. When I call the credit bureaus I am told to call Synchrony. 

Can you please help me? I asked for no inquiries and have not applied for anything. 

I look forward to hearing from you.
I used XXXX XXXX to help finance my XXXX 3years through college. Thankfully I graduated, with the help of grants and Federal loans, but I would NEVER use XXXX XXXX again. Nor would I allow any of my family to. The CUSTOMER SERVICE is the absolute WORST. Several times have I called and was spoken to in a disrespectful or condescending, inferior way. I was once told " well you did n't have to choose to get a student loan through us '' when I had called asking was there any type of way for me to qualify for any loan forgiveness, or debt management programs since I am trying my hardest to make payments and pay down as best possible all by myself as a single mother. Aside from their poor attitudes in customer service their interest rates are too high, they do n't have good forbearance or debt management programs, and the repayments are ridiculous. I wish I never dealt with XXXX XXXX.
A charge is noted in my background check that did not happen to me. After reviewing the county court public records myself, I saw that another person with my same first and last name but differing middle name was charged with this crime. The case number and the date filed all matched the information in the report.
I was contacted back in XX/XX/2016 by Apple recovery of XXXX, Arizona, they stated I owed {$23000.00} from a XXXX loan. I advised to them that XXXX/XXXX whom are now under investigation and being sued, frozed the funds put in my account from XXXX and then ultimately took the the {$23000.00} as well as my funds of approx. {$18000.00}. I was called by Apple repeatedly and sometimes even 4 to 5 times in a row to make a payment plan. So I did, I paid approx. {$410.00} dollars to Apple and requested a printout. I find out The debt was charged-off and XXXX/XXXX were in a multi class action lawsuit for the same thing they did to me, they did to XXXX of others.
My elderly father opened a checking account with Wachovia ( Turned Wells Fargo ) sometimes around XX/XX/XXXX when my dad and I were living in North Carolina. He added me as a power of attorney on his account. XX/XX/XXXX, we moved to Florida, by then, Wachovia became Wells Fargo. Eventually, the bank offered my father a credit card which he added a COPY of the card to my name to help him with his transactions. 
After my father passed around three years ago, I notified Wells Fargo, they stiffed me with the entire balance. It was my father ' card, not mine, but they insisted that it 's my responsibility. I have done my research and found out that I 'm not legally responsible, but Wells Fargo would hear none of it. It has damaged my credit so bad, it has been a total nightmare. 
At one point, I could n't even get a loan to get a car, I was taking a taxi to take my kids to school which drained the family financially.
XXXX XXXX XXXX management made a mistake and I 've explained to them not thing to do with me after moved out for XXXX months! 
Account Name COLLECTIONS USA INC No Data ReturnedFor This Bureau CLLCTIONSUSAAccount # XXXXAccount Type Collection Department / Agency / Attorney Collection AccountBalance {$530.00} $ XXXX Opened XX/XX/2013 XXXX/XXXX/XX/XX/2013 Account Status ClosedThe collection debt still open from XXXX report why?
THIS IS RIDICULOUS. I HAVE ALREADY SENT A LAWFUL NOTICE TO THESE PEOPLE AND NOW I HAVE SENT ANOTHER XXXX ABOUT READY TO TAKE LEGAL ACTION ON THAT COMPANY. THEY ARE STILL CONTACTING ME AND STILL REPORTING ON MY CREDIT
I was charged by XXXX for service and phones they did not provide me for almost two years. I finally switched to XXXX along with my original numbers and canceled XXXX after paying for nothing for years. Once switched to XXXX XXXX continued to charge me for phones and service I had with another company for months. Every time I called them to let them know I was n't a customer anymore they said a supervisor would call me immediately and never did. XXXX has tried to use a debt collector before to collect debts I do n't owe and they found it in favor of me. Now they are using a company that you ca n't understand the people, their phones crackle and have no service. I recorded our conversations because it was appalling. I told them I do not owe anything to XXXX and dispute the whole charge and they still tried to get me to pay over the phone. The company now that 's an absolute scam with the potential to effect my credit is Credence XXXX
This account is going from one debt collectors company to another and is damaging my credit. This is not my account, account belongs to my ex-wife and I did not authorized for this account to be open under my name. If you ask me for documentation I will provided you with a copy of the contract and you will see is not even sing by me. Last year this account was transfer to XXXX XXXX and now is with DIVERSIFIED CONSULTANTS INC, I contacted XXXX XXXX by mail and XXXX  and I have copies of those letters.
American Express advertised on the internet if I applied for their gold credit card and was approved, I would receive XXXX points if I spent {$2000.00} within three months. I adhered to this program. but was told that I had a gold card 3 years ago and therefore was not eligible. There was nothing on the original advertisement that would exclude me on this offer, except if you read the fine print it does say " you may not be eligible if you had another card. I can understand that they would exclude me, but why did they wait until I spent over {$2400.00} to let me know of this procedure. I believe they should have disclosed to me this information at the time of approval, or at least when I received the card. I have sent many letters to other agencies, as well as the better business bureau, and have not received any additional guidance. I recently received a letter from AMEX that stated that their " research has confirmed that these terms were presented to and accepted by me during my online process '' This statement is ludicrous, why would I write so many letters to correct the situation. I certainly would not have pursued this if I had known upfront. I firmly believe they should honor their initial offering and I will pursue via letters and correspondence to other agencies if necessary. Thank You XXXX XXXX XXXX.
XXXX XXXX, XXXX, Loan # XXXX, Case # XXXX, CFPB Case # XXXX Property Adress : XXXX XXXX XXXX XXXX, XXXX. XXXX Dear XXXX XXXX, Thank you for responding to my concerns. I have attached two default notice 's I received from XXXX XXXX XXXX and calculated figures from two billing statements listed below. 

1. XXXX XXXX, XXXX XXXX XXXX, XXXX - {$2800.00} 2. XXXX XXXX, XXXX XXXX XXXX, XXXX - {$1100.00} The totalling of both balances above comes to {$3900.00}. These calculations shows I was delinquent on my mortgage of six payments behind.
XXXX reported an hard inquiry to Transunion Credit Bureau on XXXX/XXXX/2015.
Submitted an application for Personal Loan at local Wells Fargo Bank on XX/XX/XXXX for the amount of {$80000.00}, provided ALL requested documents. 
Application has be denied and I 'm not getting any answers as to a reason for denial. 
My personal tax returns show Adjusted Gross Income of over 220, 000.00, I have no mortgage, all my cars are paid off in full, my credit cards are paid in full every month.

My credit score shows XXXX, my current accounts is Wells Fargo Bank holds over 80,000. 
With all that information Wells Fargo claims that I do n't have enough income or assets at Wells Fargo Bank, they claim that amounts owed are too high relative to my income, and they claim my income ca n't be verified. When I asked about what amounts I owe and who I owe to, and how is it that you ca n't verify my income ( provided XX/XX/XXXXand XX/XX/XXXX Federal Tax returns ) I was told to leave it alone as underwriter already made his/her decision and there is nothing I can do about it. I feel that this is racial profiling, anyone who takes a quick peek at my last name realizes that I am of XXXX heritage and it seems that folks at Wells Fargo ca n't stand a somewhat successful XXXX.
SPS ombudsman is refusing to give us a modification again after give us one!!!! XXXX is holder of our note and after govt fine they will still not help.
Im American Express platinum card holder.

and pay {$450.00} per year to use the card one of the futures that comes with card pay charges over time with 20.49 % Ive been using this future occasionally and has limit of {$35000.00} last night trued to transfer a charge over {$300.00} but the future was suspended this isnt part of term and condition of the card as far as I remember I never been late or had issues I had a choice to use different credit card to pay a certain charge and not pay fee if I wasnt notify by American Express to suspending this future and could save {$180.00} if so I need to be refunded all interest charges that I was accumulated and Amx violated our terms and conditions.
One XX/XX/XXXX I spoke with a customer service rep about assistance due to Hurricane Irma. I  sustained damage to my home and needed to make repairs without filing an insurance claim due to high deductible. I was offered to defer my mortgage payment for three months and have those three months just added onto the end of my mortgage term extending my loan time. I agreed to this and was advised I would have a new contract sent to me to sign and return extending the loan for three months. After two weeks I received a letter in the mail from SPS advising that I did not owe a payment for three months but on XX/XX/XXXX I had a balloon payment due which was in the total of four months of mortgage payments. I was extremely upset because this in not what I was offered or agreed upon. I also had already started having the repairs made to my home and had paid for them. I will not have enough money to make a balloon payment due to the expense of having my repairs made. I mean seriously how is this helping me financially? On XX/XX/XXXX I called and spoke with a customer service rep who was no help and then asked to speak with a supervisor. Supervisor could only apologize and advised that the customer service rep on XX/XX/XXXX told me incorrect information and he would be counseled by his supervisor. I was then told that on XX/XX/XXXX if I can not afford the balloon payment then I could then request for a deferment at that time and MAYBE I could be approved if not then I would need to pay the balloon payment. I explained that I wanted the deal that was originally offered to me and that I could not just live in limbo hoping to get a deferment after XX/XX/XXXX. These people are setting people up for failure! Horrible customer service and obviously DO NOT know what they are doing
I took out a total amount of {$700.00} from this payday lender. To date I have paid them back {$990.00} in interest only. 
XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX On XXXX XXXX, 2016, I placed this account in the hands of XXXX XXXX XXXX and let My Pay Day Loan know that they would be contacted by XXXX XXXX to make arrangements with them to set up a payment plan to take care of the outstanding balance. I provided them with all the information they needed for this process. 

They responded stating they do not work with 3rd parties that that I would need to pay them directly. they continued to charge my bank account which was already overdrawn and they have been denied on XXXX pay dates causing me to incur another {$100.00} in fees on top of what I have to pay the bank back. 

The bank tried on two ocassions to place a stop payment in place but this payday company uses different methods and company id 's to obtain their payments so it has been to no avail. I told them again that they would need to contact XXXX XXXX XXXX and work with them. 

Again they responded and stated that they would not work with them. I gave their information to XXXX XXXX at XXXX and asked that he call XXXX and see if he could get them to set up arrangements. This is in process. 

I ca n't pay my bank back if they continue to attempt these payments. 

In addition, they call me consistently at work, leave no message, and on my personal cell phone, leaving no message if I do not answer.
I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by Ally Financial. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on Ally Financial 's website. They have me thirty and sixty ( 30 and 60 ) days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXX in the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} on XX/XX/XXXX. XX/XX/XXXXwas missed therefore I paid two car notes in XX/XX/XXXX in the amount of {$1400.00} for both months. I paid XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XX/XX/XXXX and XX/XX/XXXX in which they should not have been trying to do, then received XX/XX/XXXX's payment on XX/XX/XXXX in the amount of {$710.00}. Then XX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXX because of the conflicts of interest, and therefore did not have to make a payment on XX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.
I XXXX XXXX believes that the credit reporting system works. There is a rule that is part of the Fair Credit Reporting Act known as the 7-year rule on reporting of a negative tradeline. My account with Santander was satisfied several years ago, and I believe that I am entitled to know when the definitive date is when the item comes off all respective credit bureaus. My credit bureau shows the first 30-day late XXXX XXXX, but I believe that I was at least 30-days late twice during fiscal year XXXX. That would mean that the credit tradeline should be removed immediately. Accordingly, I respectfully request a summary statement of each payment ever made by me to Santander since the XXXX XXXX procurement date of debt. Upon such a summary, Santander will see that the deletion timeline has long passed and that the account should be deleted from every pertinent credit bureau pertaining to XXXX XXXX. This credit tradeline must be deleted permanently!!!
I paid the XXXX bill in full in XXXX of 2015. It is over 30 days and now the Collections Agency I paid the debt to is telling me conflicting information. I need this account removed from my credit bureau account. Please have this corrected at once. It is holding up my mortage. Thank you.
Quicken loans contacted my father while he was XXXX and was not legally supposed to sign any documents. The documents were hidden from me and I found them when my father passed away. I advised quicken loans that he passed away and they told me I could modify or refinance my fathers house. I told them the house was not worth what the amount of the loan was. I had the house appraised in XX/XX/2016 and the house appraised for {$230000.00}. When quicken loans sent someone to appraise my fathers house, they used comps that were not comperable to my fathers home. They used comps not near my dads home and homes that were for sale and did n't sell yet. I opted to do a short sale on the house, quicken loans approved the short sale as well as the va. I have had nothing but headaches since my father passed with quicken loans. They did. A loan with a man that was XXXX, XXXX, XXXX and when I asked them how they could do that, their answer was if he can sign his name he can have a mortgage. Quicken loans is the worst place and I would never recommend them to anyone. What they did to my father was a predatory loan and is illegal. I will let everyone know what they did to my father and the home that was in our family for 48 years. They would rather sell the house to a complete stranger then to his daughter. They will receive less then the $ XXXX I offered.
Found out recently that Discover Card has been charging me for payment Protection Services of which I have no recollection of authorizing. Came to my attention particularly since this year XX/XX/XXXX since apparently I have previously not kept a balance. 

I called in to dispute the charges and was able to successfully cancel this recurring charge and get them to back out the last charge for XX/XX/XXXX, but they refused to remove any previous charges. On XX/XX/XXXX I spoke with XXXX, then, XXXX, then XXXX, and finally Supervisor XXXX ( sp? ) to no avail. They were unable to provide me with any proof of my authorizing this recurring purchase. 

XX/XX/XXXX Charges XX/XX/XXXXXX/XX/XXXX8 DISCOVERPAYMENTPROTECTION XXXX XXXX {$8.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$9.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$70.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$73.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$72.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$69.00}
This is a complaint against the American Express, have been informed that your company, on ( XX/XX/2018 ) ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. 
This is illegal and highly injurious to my credit rating.
I have a capital one credit card, they are charging me 26 % interest on the card. I have called them and asked that they reduce my interest to single digit interest or at least 12 % they have refused. This is absolutely criminal. America should be ashamed to allow Capital One to say they are helping someone to restore or build credit then gouge or roguely take advantage of good customers. I have never missed a payment and always pay more than the minimal required payment. Oftentimes, paying out or 2x - 4x times more to get rid of the debt. All customers who are at risk of these money rogues should complain by writing letters, going on XXXX and any other modern form of communication possible, to get the attention of these capitalistic lenders.