WillisBack/dataset-financial-user-claim huggingface dataset:
I had a Wells Fargo Credit card back in 2016. I had it paid off yet the payment was not recorded. The account was then in collections for some time being mailed to the wrong address without my knowledge. I examined my credit report and noticed that it was in collections and charged off. The balance was very very low that was owed. I spoke with a representative over the phone and they informed me that if I paid the couple buck owed plus a fee then the negative marks will be removed. After I paid the fee and looked at my account I noticed the negative marks were still there. Also, I noticed that XXXX is still reporting my account as derogatory when it is paid in full.
Complaint- TransUnion XXXX XXXX and XXXX- Submitted several times- copy ( s ) of police report ( s ) a few years back also requested FRAUD alert ( s ) to be added to all 3 Major Credit Agencies and recent shown : submitted a letter from a Major credit card company just from last year where someone attempted to apply for a Credit card in my name sent several copies to each credit agent. Sent certified letter ( s ) asking for accounts to be remove ( 2017 and this year. I have in those letter ( s ) requested a wet ink copy of signature documents proving that these accounts belong to me according to my rights. No info has ever been sent showing proof from TransUnion, Experian or Equifax that these accounts belong to me. Following accounts that need to be removed from all- 3 Credit Agencies 1. XXXX XXXX XXXX $ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX $ XXXX TransUnion XXXX  XXXX XXXX XXXX XXXX TransUnion TeXXXX  XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX - $ XXXX TransUnion XXXX XXXX XXXX XXXX $ XXXX TransUnion 3 . XXXX XXXXXXXX XXXX - $ XXXX ExXXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Experian Ad XXXX XXXX XXXX XXXX XXXX XXXX Experian If my files were to be pull from All 3 Credit Agencies an investigator would see police reports that were sent from a few years back also a recent letter from a creditor from last year where someone tried to obtain a credit card in my name. Along with several CERTIFIED LETTER ( S ) THAT HAVE BEEN SENT NUMEROUS OF TIMES REQUESTING THE ACCOUNT ( S ) TO BE REMOVED!
In XX/XX/XXXX, I got a new cc from AAA ; it was issued by Bank Of America. I signed up for automatic payments of my billed balance, as I do for all my Credit Cards. For the first couple months, they did it wrong and only took out the minimum even though the phone rep and I could see the full amount was supposed to be taken out ; Part of this is BoA 's confusing terminology, which I 'm sure causes many customers the same error of selecting the wrong option to have the full balance due withdrawn ( and I 'm sure BoA charges interest on those who do n't complain! ). I called, and they corrected and refunded the erroneous interest charge. After the second month of that nonsense, I cancelled the auto payment because BoA 's system was obviously screwed up and paid the full amount that was n't deducted of the previously due balance ; again the erroneous interest was credited back to my account. I had a bad feeling when the amount I 'd paid was n't removed from the bill I got, but since I had already cancelled the automatic payment, I felt I was in the clear to pay the amount due prior to the due date and all would be copacetic. The XX/XX/XXXX payment situation was WORSE : On XXXX XXXX, I paid the full amount that should have been billed had the prior month balance been deducted as it should have ( and it was when I had it at my prior complaint call ) ; my XXXX XXXX payment paid the full amount of the billed statement well before the XX/XX/XXXX due date. On XX/XX/XXXX, less than {$40.00} in new charges were then left on the account. Nonetheless, on the XXXX XXXX payment due date, BoA withdrew the entire {$880.00} they had erroneously billed even though I 'd ALREADY paid it in FULL by XXXX XXXX -- AND there was only a total of {$40.00} remaining charged to the account. Is n't this ILLEGAL?? BoA should be fined. As a result, my bank charged me {$60.00} in " courtesy payment fees '' for covering the actual bill payments that were supposed to be deducted by XXXX of my other credit cards. I asked BoA to refund their erroneous collection of {$880.00}, which they did, but it took 7 days ( creating half the {$60.00} courtesy fees ). AND I asked for the {$60.00} in fees charged by my credit union to be refunded to me since they were cause by BoA 's erroneous withdrawal from my account. Both a BoA phone rep and supervisor refused and would not give me any additional person to contact, though the supervisor supposedly sent a complaint on my behalf to unnamed person or dept in BoA. She also told me BoA does not even have a mailing address available for me to write to them and complain, and their online complaint form is so well hidden I can not find it on my own. I want BoA to refund me the {$60.00} in fees and also pay me {$500.00} for the stress and duress this has caused me and the damage to my credit rating. Further, this loss of {$60.00} is causing me to have to locate sufficient funds to pay my XX/XX/XXXX bills while I wait for the delay in BoA 's refund of the {$60.00} fees charge they owe me.
On XXXX2017, after reviewing my Equifax credit report, I noticed 5 unauthorized inquiries and one inquiry which is more than 24 months old, appearing on my credit file. I immediately contacted Equifax to question the unauthorized which appear on my credit report and to have the one 'aged ' inquiry removed. I was informed by a Equifax representative that I 'd need to contact each company to have the inquiries removed. After contacting the companies listed I was informed by each company that the 'inquiries ' would have to be removed by Equifax . It appears as though the companies have me running back and forth trying to figure this out, however, Equifax is responsible for making sure its entries are accurate and up to date.
My husband XXXX XXXX had a Care Credit account in his name, I was never listed on the bill or had a card in my name I was an authorized user. My husband passed away in XXXX of this year with no assets there is no estate or probate. I sent a letter to the company with a copy of the death certificate and notified the there are no funds to pay this bill and ask them to close the account. Instead they put the account in my name without my permission and are now holding me responsible for the bill over {$8000.00}. Bill collectors calling day and night. I spoke to someone in customer service today and explained the situation again and was told that it was a joint account - I asked for proof - it will take 40 days to mail me a copy of something showing that i am responsible for the bill. They wo n't put a hold on the account until I get that info and the late fees keep adding up and they told me I would be reported to the credit reporting agencies. I can not pay this bill and Care Credit. In XXXX Care Credit became associated with Synchrony bank and sent new cards - this time there was XXXX for me that I have never requested and have n't This compnay will not work with me any way - they want their money and that 's it. I need help. I consulted an attorney through my legal services plan and he advised me that I am not responsible for debt that was in my husbands name or any debt that has me listed as an authorized user or secondary name.
I use XXXX to monitor my credit score. Recently I paid off many credit accounts. As I was monitoring my score I noticed that Transunion & XXXX were XXXX points apart when normally they 're only a fews points apart. Upon comparative investigation I notice Transunion dropped XXXX points and XXXX rose XXXX points. It appears the credit utilization algorithm Transunion is using, is different than XXXX. Transunion credit utilization algorithm portion appears to be wrong, because it took a single credit card account that I had 87 % of it 's credit used and counted it as if it were my total credit available, which appears to be the reason why Transunion lowered my credit score XXXX points. I find no other negative change that could have caused this. It not only dropped XXXX points, it also penalized me the XXXX points XXXX rose, which combined has cost me an accumulated XXXX points. I can find no other reason when I compared the two credit reports that could have caused these two changes on the same date. 

Being a XXXX I have see these types of issues happen. I 'm curious, who checks the algorithms of these credit reporting software applications, similar to regular gas pump calibration tests? The consistence and accuracy of these applications that Banks are using to justify the rates they lend to consumers are directly impacted the fees. It would n't surprise me if there 's no one responsible for checking these applications that are helping banks to quietly charge consumers, illegally, higher than earned interest rates. In my case it 's XXXX points, which is the difference between Good vs Excellent credit rating. Depending on how much I borrow, this may have cost me higher than legal financing fees, ranging from $ XXXX to XXXX. 

It just so happens that my credit situation is nearly clean that allowed me to notice this discrepancy. 

Please check into this specific issue with Transuion, also inform me of how the government monitors the applications that generate credit reports on a regular bases to ensure there 's no tempering.
Transunion is reporting that I was 30 days late in XX/XX/2017 and I was not late what so ever. I 've dealt directly with Transunion on this and nothing has happened yet. I had a vehicle paid off, and the creditor was XXXX. The payment was sent and was processed before the XX/XX/XXXX deadline. The lender has stated that they 've fixed the problem on its end and that Transunion is the only one that can update it. 

This has been very frustrating bc I also have some fraudulent charges on my report that experience yet to address or even respond with. I have tracking numbers and dates they received my documents if I need to provide this. 

I 'm trying to buy a house for me, and my girl and this issue is killing my score. I have paid everything on time, and I go to pay off than the late hits. I need experience to processes my documents and remove this so I can move us before the lease is up by XX/XX/XXXX. 

Thank you,
Today I found out that equifax experienced a breach and personal credit information has been divulged for many Americans. I checked via their website to see if my information had been affect and it gave me a notification that my personal information may have been breeched. Equifax knew about this hack for about a month and did nothing to notify me and I had to found out via the news that my personal information may have been accessed. This is incredibly negligible on their part and requires me to put a fraud alert and a potential freeze on my credit accounts and I will need to file taxes early as well. I was given a one month late start to check my credit and my accounts to see if there was any evidence of fraudulent activity, had I not seen the link a friend sent me I would have most certainly missed this as I was asleep from night shift and I 'm not aware that equifax would have contacted me.
I took a look at my credit and notice there is a bankruptcy reporting to my credit that is not mine. I have never filed for bankruptcy and ask that you have this incorrect information removed from my credit report.
I had applied for a mortgage and found out th at Portfolio Recovery Associates wa s reporting a collection account for a  XXXX   XXXX  credit card debt. I have NEVER had an account with  XXXX   XXXX  ever. I have told all  XXXX  credit bureaus this as well as Portfolio multiple times. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of  XXXX   XXXX  statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.
XXXX, TRANSUNION, AND XXXX ARE STILL REPORTING FRAUDULENT ACCOUNT INFORMATION IN MY NAME. THE FRAUDULENT ACCOUNTS ARE ( XXXX  XXXX / XXXX XXXX, XXXX XXXX, XXXX XXXX, AND TAX LIEN PUBLIC RECORDS FRAUDULENT INQUIRIES XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
My GMAC loan was transferred to OCWEN. I was approved for a HAMP modification by OCWEN but found the documents questionable. Interest and fees were added to my principal amount on the modification, unexplained, that further put me upside down, increasing my monthly payment. They tried to say I owed more trial payments even though I made the XXXX agreed payments inflating a trial mod due amount to {$4400.00} based upon XXXX trial payments. Upon questioning the amount and stating that I was not owing add'l trial payments, they have quit sending monthly statements altogether and made no further request for additional trial payment amounts. Arrears and all fees, interest due, etc. were paid in full by my Bankruptcy trustee. I have sent them many copies of proof of this. I requested explanations of modification Principal Balance, fees plus interest added and have been given several contradicting explanations and a breakdown only. They are pushing me to sign a contract where I find the amounts questionable. In the meantime, there have been no monthly statements to insure I am sending correct payment amounts on my current loan agreement ( interest only loan ) which can change due to escrow, or to show how my current payments are being applied. OCWEN is hindering my ability to pay my current payments and insure my account is in good standing until there is a resolution of the proposed modification agreement that I have not signed due to questions. I am unsure if the amount reported to the IRS by OCWEN for interest paid is correct ( interest only payments made vs. what was reported differ ). They have attached a late fee to my mortgage when I have been on time with payments. They returned a payment and claimed ignorance even though they changed the address to ( of which there are many ) send payments to. I was still able to re-send ( with my banks assistance ) my payment before the XXXX of the month deadline and their own documents show it was processed before the XXXX. There is no office to go to, only a call center in XXXX. I have sent inquiries and documents to their recommended RESEARCH Dept. by certified mail. I have received breakdowns of amounts added, but no explanations of how/why they are calculated or applied. The amount of documentation I have is so large, I would not be able to upload it all since this has been ongoing since XXXX XX/XX/2013 but I will download a good portion. I am filing a complaint with the Attorney General 's office in my state.
Regions bank in XXXX XXXX, LA. I have had a several different bank accounts and have had several problems with them. My account is now over - {$230.00} due to overdraft fees. My account was low so the bank took a {$8.00} monthly fee to my account that was already- {$4.00} over withdrew so Regions then took - {$36.00} for them overdraws on my account made by them. 2 days after my account being negative Regions then charged me a {$10.00} rewards fee. and charges me another {$36.00} overdraft fee. Now I have credit company from Regions calling me everyday after I had explain that Regions has made {$160.00} just in overdraft fees. Please help! This bank has been doing unfair business to thousands and now is going to farther ruin my credit.
over one year ago someone obtained personal information and opened an account and used information to obtain multiple payday loans and then switched them to our checking account for repayment, had to close accounts and institute fraud investigation which bank found in our favor and reversed all charges, now a XXXX from this loan company is making harassing phone calls and threatening us to take our vehicles, lien on house and go to court over non payment phone # is XXXX XXXX XXXX my pay day loan
We refinanced our home in XX/XX/XXXXthrough Capital One. At that time, their appraisal value came in at {$360000.00} done by a XXXX XXXX. We knew it was low, ( we had it appraised earlier that year ), but accepted the terms which included private mortgage insurance, because we are nearing retirement and wanted a lower payment. In late XX/XX/XXXX, we requested to have the PMI removed. InXX/XX/XXXX we received a letter denying our request because the value of our home was now {$430000.00} and it needed to be {$440000.00}. We had gained value but not quite enough. This appraisal was done by a different person. We were given the option to pay the difference. Which brings us to XX/XX/XXXX. We requested to have PMI removed once again because we had increased our payments to pay off the difference needed and we were confident that we would have the value in our home because our area is very popular for families because of the school system. Again, XXXX XXXX came to appraise our home and even commented on the improvements that had been made ( outdoor kitchen, new roof, and granite countertops ). This time his appraisal was {$410000.00}, which is {$22000.00} less than it was 6 months prior by a different company. It needed to be {$420000.00}. I contacted Capital One and after their so-called investigation, they said that nothing could be done. I am not sure of my next course of action, so I am contacting you.
I have never done business with XXXX # XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice not paperwork as to the transfer of title of ownership, who is this third party collections agency.Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I had an Auto Loan with XXXX XXXX that is paid off but showing a balance. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX showing the balance is " XXXX ''. I like to address the issue with you concerning TransUnion reporting tactics on my credit report. This is not a frivolous dispute and the word dispute needs to be removed off my credit report because this is a legitimate case and I will be providing the letter from XXXX XXXX. So, that TransUnion can change the balance owed to XXXX and take the word dispute off my credit report.
I received an email from capital one stating I recently updated my phone number, which I did not. I went online and checked my phone number information and there was an additional number added to my account under the " Business '' section. I called capital one immediately and explained the situation, I had my card info changed and even changed my password. After further research I looked up the number just to see if it could be anyone I knew and it was ... I 'm not sure how to proceed with this information.
I took a loan for XXXX paid off the loan of XXXX they wanted me to pay XXXX and I could n't. now I have this " law firm '' calling my place of employment asking them to please not to call me at work. I 'm in an area I ca n't talk personal things. they refuse to listen and continue to call me..
no data for XXXX thru XXXX..What happen between XXXX and XXXX
Home Point Financial mortgage company falsely reported late mortgage payments. Payment due on XX/XX/XXXX, My Bank records show that Home Point cashed my check on XX/XX/XXXX, then on XX/XX/XXXX reported to XXXX XXXX that my payment was more than 30 days late.
US Bank calling from XXXX XXXX/XXXX/2016 @ XXXX XXXX called & refused to remove our business number from their system, as well as stop calling here for XXXX XXXX XXXX I said, our staff ca n't recieve calls. The lady refused to remove our number & told me tell XXXX to call them & hung up on me.
XXXX XXXX XXXX # XXXX this account was settled in full with the original creditor XXXX XXXX! Being a long-time customer, I have managed the acct. responsibly. However during that term I managed to acquire some alleged negative credit items with XXXX.Eventually I look forward to the correct status of this inaccurate account., and as a result your error has a negative impact on my credit rating. Will you please rescind the unverified collection account with the bureaus to assist this problem.
I referred a friend of mine to apply for AMEX SPG personal and business card in XX/XX/2017 for a referal bonus of XXXX spg points each. Since then, I still haven't gotten the bonus. Tried to work with Amex several times and cases were established. Still haven't gotten the points after 9 months and several hours on the phone. Amex admitted that they had problem of not registering bonus referrals for several months during that period.