WillisBack/dataset-financial-user-claim huggingface dataset:
I obtained a credit card while living in Kentucky. In XXXX I became delinquent due to not working while XXXX going through XXXX and XXXX. The credit card was a secured card for {$200.00} so I had {$200.00} already on deposit with the credit card company ( XXXX ). Even though I had prepaid the {$200.00}, when I was able to go back to work I paid well over the {$200.00} to the collection agencies. XXXX collection agency was XXXX XXXX then it changed to XXXX.in XXXX. Now XXXX XXXX from XXXX XXXX XXXX XXXX. ( XXXX ) is calling and when I tried to explain what happened and that I had paid he said he did n't care if I had paid and said I owe them {$1500.00} ( on a {$200.00} secured card. ) He threatened to take me to court. The company has made multiple calls in the same day and has even before XXXX. and at least twice after XXXX. I have paid over the {$200.00} and it is my understanding that when you enter an agreement in the state of Kentucky there is a 5 year statue of limitation from time of delinquency but he 's saying he has until XXXX of this year.
This company has inquired information on my credit report that has resulted in hard inquiries being reported to the credit bureau. Resulting in a decrease in my credit score. They have no written permission to do so. They have done the same for my husband and don't have his information at all. I'm not sure how they are able to run his credit or mine without written authorization.
I got a call from XXXX XXXX  collection department stating that my payment was not received. I explained to the customer service collections rep ( XXXX XXXX, Sunday XX/XX/XXXX at XXXX XXXX. She stated that XXXX XXXX  charged me a late fee because my payment was due on the XXXX. I explained to her that I had called into XXXX XXXX before and request that my due date be change after the XXXX of the month because that's when I receive my pay. I asked her to remove the late payment, she told me that they already removed one previously. I explained to her that she should look at the account to see when the late fee was removed because that would have been the date that I called in to request the due date change. XXXX XXXX  continued to argue back and forth and overtalk me, I couldnt get a word in edgewise. XXXX XXXX  charged me late charges for since XX/XX/XXXX. If I requested the due date change, why would they not change my due date and continue to charge me late fees. My I made 2 payment in XX/XX/2018 which should have brought my account in good standing. At that time, I requested that Macys change my due date. Nothing was done, they continued to charge me late charge every month. This is illegal and unethical. I had a XXXX   account in the past, I had the same kind of billing problems which forced me to close my account. The payment should have been corrected in XX/XX/2018. That was the date that I called to move the payment date behind the XXXX  of the month which is when I get paid. XXXX XXXX  never moved the date, but continued to charge me late payments. Today, after calling 3 people and being on the phone 2 hours, I got a person by the name of XXXX XXXX  Collections Supervisor XX/XX/XXXX ( XXXX ), who told me to make a payment of {$48.00} ( I made the payment ), he told me that this amount would catch up my payment, then told me to make another payment by XX/XX/XXXX of {$59.00}. I asked him why would I be making {$59.00} payment, when the payment was only {$27.00}. He stated that that payment would catch me up. That was he initially told me about the {$48.00} payment. XXXX XXXX is running some type of scam. They are tricking people into believing that if they make a payment, that they will be current, only to find out once they get your payment, you account is not in good standing. This is unethical and illegal. Looks like a bait and switch. They should be fined for this type of action.
I graduated in XXXX of XXXX and received notification from XXXX  about filling out my paperwork for my XXXX Grants. I filled out the paperwork, sent it to my secretary who forwarded it to corporate ( since I was working for XXXX XXXX XXXX, a XXXX XXXX ), and later received notification from XXXX that my grants converted to loans. I called to let them know I sent in the proper paperwork and they told me it can not be changed back once converted. My loans for a XXXX   degree went from {$30000.00} to about {$50000.00} overnight. I talked to them about doing the Public Service Loan Forgiveness and they told me to make the minimum payments since it would all be forgiven after 10 years. I did as they explained and realized it was a huge mistake when I saw my total loan amount going up. Eventually I sought out a higher paying job outside of XXXX because I was unable to keep up with the payments. Today, my total loan amount is around {$55000.00} and I began paying in XXXX. I would never recommend anyone work with XXXX after the way the misled me when I was trying to do the right things and pay my loans back, even after they converted my grants in such a way.
XXXX ( account name ) Credit Card - Revolving Terms ( account type ) is being reported to Experian incorrectly. The status says open, though it has been closed since 2014.
I've called the credit bureaus, sent certified letters, fax, uploaded documents to no avail. I've been a victim of identity theft. I apply for a small line of credit and was denied, i received my report and noticed several inaccurate accounts, names that aren't mine, and accounts that flat our weren't mine either. I took the proper steps to secure my info, froze accounts to my reports as well as adding a fraud alert. I do recall being informed my XXXX  that my license, ssn, and a credit card that i had on file for one of their credit monitoring products that i has years ago had been compromised. Then i also remember that i was on of the millions of South Carolina residents that were affected by the SC Tax breach in 2012, needless to say my info was probably all over the place. Knowing all this i contacted each CRA for an investigation, i was usually on the phone with a representative from an outsourced location in XXXX or the XXXX, which i dont understand why, when i live in the USA, and i know other countries have access to my information as well. The CRA 's haven't responded with anything related to a proper investigation, what i have received was computer generated letters saying that the alleged accounts have been verified.
I fell behind on auto loan able to make first payment as requested by a representative I for saw that I would have trouble making the next three months payment. He stated to me he would be able to discuss and give me other options once this payment was made. I made the payment and have had no success in discussing any options. I have since called several times for three months I get the same representative or voice mail, with no call back. The customer service reps are rude, over talk you have no knowledge of services available, start shouting matches, arguments and refuse to discuss any thing on your account available to you. I am threatened several times over a conversation that my car will be repossessed. Several attempts have been made to contact any supervisor or anyone for that matter who can handle my situation, the phone is rigged to a phone number that will not transfer to any other extension.
I am filing another complaint on behalf of my son. The original complain is Case number : XXXX. We were over 2 months behind on my son 's student loans due to the fact that Discover was asking for over XXXX % of his salary. We were paying what we could but Discover never recoginized it unless it was the full payment. I called and setup a plan with Discover to divide a {$2400.00} dollar payment into three equal payments and with each payment, it would reduce the days late by 30 days until it was paid out. We made our last of the XXXX installments on XX/XX/XXXX. The system still shows 57 days late and they havent sent the appropiate information to the credit bureaus. They say they didnt say it would reduce the days late by 30 days but I know they did. Just ask for the recordings of our calls. I would like an answer and I would like them to do what they agree to.
Back on XXXX XXXX, XXXX, I filed a complaint against my bank, JP Morgan Chase, for failure to manage my funds properly. I assume my complaint was rightfully founded as a week later Chase refunded overdraft fees I incurred on my account. 

On XXXX XXXX, XXXX, I changed the setting on my checking account that concerns overdraft protection. I changed it to " No '', meaning once my account had insufficient funds to fulfill a purchase made with my debit card, the transaction would be cancelled. 

Today is XXXX XXXX, XXXX. My account is overdrawn - {$130.00} with 3 overdraft fees totaling {$100.00}. The last transaction I made was a withdrawal on XXXX where my account balance was {$1.00}. 

I am so exhausted from arguing with Chase about my measly paycheck every two weeks. For the past 6 months, I have been calling, sending messages, etc and all I get is attitude and dismissive tones about how I am somehow at fault for the math being faulty. I plan to take my business elsewhere after the holidays. No matter the balance, my money is my money and should be handled with care by my bank. 

-XXXX
On XX/XX/2018 I received a notification XXXX XXXXXXXX XXXX XXXX   reported to TransUnion my credit card account was above the credit limit decreasing my score XXXX points. When contacting XXXX XXXX XXXX XXXX the call again is routed outside of the United States which the agent was unable to resolve. Balance is below credit line
In  XXXX   2015, I an d m y Father refin ance my car wi th USAA Auto Loan and   included in the that refinancing an insurance of debt protection insurance what would cover both of us if either of us had  disability a nd/or death that the car would be paid in full. My father unfortunately passed and I became  totally    XXXX  . I sent in all documents to  USAA, death certificate as well as authorized them assess to my medical records. USAA, in  turn, cancelled the policy and back dated payment then stated that they notified me of this information which did not occur. According to the policy, the car was to paid off on full with either condition occurring, not a policy cancellation. I asked for help with situation to  get USAA AUTO to  fulfill their part of this contract of paying this loan off. They now contacted others that are not on the loan stating that the vehicle is up for reposssion and has negative reports on my credit which should not when the contact clearly states what should occur. This has been a disservice to my family and I have been a member for years. I was not  even notified by them of the issue I was told by other individual they told that was not on the loan ( poor consumer relations ) .NO ONE, NO ONE CONTACTED ME. I had to contact the company and none of information has changed.
Accounts paid as agreed remain on your credit file for up to ten years from the date of last activity ( DLA ). My XXXX Bank credit card was closed XXXX and XXXX refuses to delete this from my credit report.
Re : Request to Validate Account/ Resolve Account and Delete for Revolving Call list This is my forth attempt with no response and I am at my wits end. Please end all the empty calls, with calls from XXXX XXXX then hanging up- with no resolve. My originally attempted to resolve my debts via telephone and by mail on XX/XX/XXXX and my second attempt was late XX/XX/XXXX and XX/XX/XXXX. After a brief history with XXXX XXXX, mostly positive, I fell ill. I have two accounts and would the opportunity to validate/settle these accounts. I was never given the opportunity to validate the balances reported on my accounts. I need to validate this account and not be threatened with further collections on accounts by lawsuits or damaging my credit.
XXXX   XXXX  had a note with  XXXX , the balloon payment was coming due  XXXX   XXXX ,   XXXX  .  XXXX   XXXX  contacted  XXXX  in  XXXX  of   XXXX  .  XXXX  advised  XXXX   XXXX  to continue making his monthly payment and  XXXX  would work with him on getting the balloon payment refinanced.      XXXX   XXXX  continued to send in his monthly payments and work with  XXXX  on a refinance.  XXXX   XXXX  made payments in  XXXX ,  XXXX ,  XXXX , and  XXXX . In  XXXX ,  XXXX  returned the  XXXX  and  XXXX  payment and advised  XXXX   XXXX  that he was in default and  XXXX  would no longer accept additional payments.      XXXX   XXXX  was ultimately able to pay off the balloon payment in  XXXX  but  XXXX  continues to report to the Credit agencies that  XXXX   XXXX  failed to make his  XXXX ,  XXXX  and  XXXX  payments. This is making him in excess of 120 delinquent, even though  XXXX   XXXX  made the payments.     We contacted  XXXX  and attempted to resolve but they are stating that he was in default because he did not make the balloon payment. However,  XXXX  made an oral agreement to accept the payments and then accepted some of the payments but is reporting  XXXX   XXXX  did not make a payment in  XXXX  when he did make the payment and  XXXX  accepted the payment.  XXXX  is also reporting  XXXX  and  XXXX  payments not made when they were made, but returned.     We have disputed the information with  XXXX ,  XXXX ,  XXXX , and  XXXX .  XXXX  continues to insist that the credit reporting is correct, despite having received payments in  XXXX ,  XXXX  and  XXXX .      XXXX   XXXX  has been denied credit because of the negative reporting.
on XXXX/XXXX/15, I was charged on overdraft fee when I was not over drawn.
Experian is refusing to remove three accounts on my credit report that do not belong to me. I have personally contacted the creditors at Experian 's request and they have each individually confirmed my concern that Experian is reporting someone else 's information on my credit. <P/>I am filing this complaint because Experian is reporting someone else 's accounts on my report and they are refusing to remove these items. <P/>The following accounts need to be deleted from my credit report immediately : XXXX XXXX with account number " XXXX '' ; XXXX XXXX with account number " XXXX '' ; XXXX/XXXX with account number " XXXX '' ; I have never had accounts with these companies and they are telling me that my personal information does not match the details they have for the XXXX in their database. <P/>This is making things more difficult because since I am not the right XXXX, it is against their policies to send me additional information about these accounts. I am being given the run around by Experian and these companies and I feel stuck and do not know what else to do.
SYNCB shows a charged off account. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. It shows {$0.00} due yet still reports negatively on my credit reports. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.
I am a victim of identity theft. I have filed identity theft report and sent to Experian and Creditor. The Creditor sold the account to collection agency, that company is not reporting on credit bureau. The Creditor states that it is my account and I am telling them that the account was open fraudently. If this matter is not resolved I will be forced to file a lawsuit against both Creditor and Credit Bureau. I want signature on the account and the original application.
I have tried on several occasions to get Experian and XXXX to correct my birthdate, but it still hasn't been corrected! XXXX  I'd reporting it correctly. My birthday is XX/XX/XXXX. 

Also. XXXX XXXX continues to report my account as a charge off and past due 120 days, but it has been paid in full.
I have a {$500.00} collection on my Transunion credit report which I tried to dispute online but they would not allow the dispute. I do n't know if it was a technical error or they just have it set up so you ca n't dispute which means less work for them. I have tried to get a free copy of my report but they say I cant because I read it online and now they want XXXX per month to do what they are required to by law for no charge. Total ripoff and I 'm XXXX. This is not my account and it is destroying my credit and it is only on Transunion
Companies listed on my credit report have been disputed. They were unable to verify the account. This has been ongoing. Some have been deleted, however the same company that has been deleted leaves some of their claims in tact. The following companies have not verified any of their claims under law and continue to renew claims which are decades old in origination, inaccurate, invalid, and fraudulent which is unlawful under the FTC and FCRA. I have entered into no contractual agreements with these agencies, nor have I ever conducted business with them or authorized them to receive any of my private or personal information. Any information obtained by them has been obtained unlawfully, fraudulently, and without my consent. Anyone who receives or uses this information without my expressed written consent are doing so illegally and are in possession of articles of my identity by way of theft. 

Pursuant to the FCRA 611 ( 5 ) ( A ), XXXX XXXX is required to promptly delete all information which can not be lawfully verified. All of my attempts to be provided with documents held on file from their company has gone ignored.
On XX/XX/2018 I was notified by XXXX XXXX a hard credit inquiry was just made by XXXX XXXX XXXX to Equifax. 

I have never done business with XXXX XXXX XXXX. I did NOT authorize this hard credit inquiry. 

I pulled a copy of my Equifax report and saw the inquiry. I have attached the page of the report showing the inquiry. 

I called XXXX and they advised I call Equifax. I did an online dispute with equifax. I have attached a the initial inquiry response. 

On XX/XX/XXXX Equifax advised they reviewed my dispute and will not remove the inquiry. They advised XXXX XXXX XXXX could remove the inquiry. They further stated XXXX could electronically remove the inquiry. 

I called XXXX again on XX/XX/XXXX. A manager informed me XXXX would not and could not remove their inquiry. He assured me he has handled 20 different  complaints such as mine and they could not remove the inquiry. He suggested I call Equifax. He did confirm I did not have an account at XXXX. He could not confirm I authorized them to run my credit. 

I called equifax and they said XXXX must remove the inquiry.
We refinanced our house with another bank. US Bank has refused to return our escrow unless we pay them {$15.00} to cancel a check they say was mailed out to us a post office box we have not used in about 9 months. I have repeatedly called and even spoke with a supervisor who agreed we should not have to pay the {$15.00} because she verified I called prior to the issue of our escrow and verified the check would be mailed out to our home address. As of yet we have not received our money.
XXXX is the CRA which has continued to report inaccurate account information and status as of XX/XX/18. 
I have filed online dispute yet they continue to report the inaccurate information over the last several years. 
Multiple accounts are not mine and I am not responsible for those accounts. 
2 other accounts are showing up written off when they were not and they have been paid in full. The dates reported of last payment is incorrect.

2 Medical accounts are being reported that are inaccurate and were paid by insurance. 
The dates of when these were opened are false and without merit. 
I have asked for proof and they have not provided said documentation.
Dear Consumer Finance Leadership, Since XX/XX/XXXX I have been requesting SCRA ( Servicemembers Civil Relief Act ) benefits from WELLS FARGO Bank only to be continuously denied eligibility to such request based on their current policy. As an XXXX XXXX XXXX XXXX since XXXX I believe I am indeed eligible to receive such benefits ( 0 % to 4 % apr, overdraft fees waived, etc ) and other financial institutions have indeed granted me such benefits disregarding the timeline of when these accounts were opened ( before or after military enlistment ). Such institutions include XXXX Bank, XXXX and XXXX XXXX. My accounts with WELLS FARGO pre-date my enlistment into the XXXX XXXX. WELLS FARGO acquired XXXX from XXXX XXXX XXXX  which bought XXXX XXXX XXXX. I have written several letters and sent all documentation required and can not understand why WELLS FARGO insists that I am not eligible to a lower APR. Even under the current MLA ( Military Lending Act ) I should be eligible to obtain a lower percentage rate. Anything you could do to help would be a tremedous benefit to my current financial situation. Thank you.
We acquired a mortgage on a double wide trailer and XXXX acres of land. I was deemed permanent property, but Bank of America still put a separate electronic lien on the double wide. The entire loan ( mortgage ) was paid off in XXXX of 2014. We have contacted Bank of America, XXXX Bank, Our local DMV, XXXX multiple times, have all the paperwork and Bank of AMerica still has not release the lien. According to XXXX they are the only ones that can release the electronic lien since they are the ones that established it. Also apparently we are not the only people they have done this do according to our local bankers.
Equifax has report inaccurate information on my account after I previously submitted a complaint. They have added several inquiries and XXXX account and another previous address that has nothing to do with me. They added the following inquiries XXXX on XXXX/XXXX/16 and XXXX/XXXX/16, XXXX on XXXX/XXXX/16 and XXXX/XXXX/16, XXXX on XXXX/XXXX/16, XXXX XXXX on XXXX/XXXX/16. This account was added XXXX XXXX and this address XXXX XXXX XXXX XXXX, XXXX AZ XXXX
My mortgage was sold to Greentree in XX/XX/XXXX. They informed me in XX/XX/XXXX/XX/XX/XXXX that my escrow account has a " shortage '' of {$480.00}, and they will deduct an additional {$40.00} each month for 12 months beginning in XX/XX/XXXX to make up this shortage. I have paid all mortgage payments on time and in full. My taxes have decreased and while I changed my homeowner 's insurance company, there was no significant change in my premium. I have called Greentree multiple times and mailed them a letter ( certified mail, they received it XX/XX/XXXX ) asking them to tell me specifically WHEN my escrow account went into a shortage and HOW much. They have sent me XXXX letters ( XXXX XXXX, XXXX XXXX and XX/XX/XXXX ), none of which answer the question of WHEN my escrow account went into shortage and HOW much. The XXXX letters from XXXX tell me they are still reviewing my request. I told them I spent five years in the mortgage business so I know how an escrow account works ( you put money in each month, they pay your property taxes and insurance - simple ). 
I object to Greentree telling me I owe {$480.00} without them being able to tell me how and when my escrow account went into a " shortage ''. All my payments were made in full and on time, so all my contributions to escrow are the correct amount and current. My escrow deductions for taxes and property insurance have decreased or stayed approximately the same. It is not mathematically possible for me to be in a " shortage '' in my escrow account. 
I view this charge of {$480.00} as an unjustified fee which Greentree can not show I am contractually obligated to pay. They have failed, repeatedly, to prove that I owe this money. Now they are taking this money each month from my bank account without my permission ( I told them verbally and in writing that I do not consent to having this money deducted from my bank account and that I do not owe this debt ). 
Finally - all payments were made on time and in full. My account is and has always been current.
Due to new information I 'm submitting a new issue. This loan was paid off at close of escrow as shown in the settlement document, however, the lender is n't counting it as being paid. My belief is that in the XXXX+ years ago when this was recorded the lender accepted the payoff and then its doors closed. The other case i have open with you is:XXXX.