WillisBack/dataset-financial-user-claim huggingface dataset:
We purchased a vehicle in   XXXX   XXXX  . The dealer put us with  Capital One Auto  loans. Being that I all ready had credit cards with  Capital One I tried to set up   and on line account and was not able too. I made my payments on this account over the telephone. In   XXXX   XXXX   I made a payment on a weekend within the 30 day grace period. The system did n't recognize the payment until Monday which was   XXXX   XXXX  .  Capital One preceded to give me a 30 day late. At the time there was no warning about payments not being recognized until the following business day. When I called them, they could not find me in the system. Turns out they had my date of birth incorrect and that is why I cou ld never pay on line.   Even though they had incorrect information on me which was no fault of my own and there was no warning about payments going over to the next business day,  Capital One  would not remove the 30 days late on my report. This reporting at the time caused a nearly  XXXX  point drop in my credit scores and affected my well being both mentally and financially.
On XX/XX/XXXX we mobile deposited a refund check from XXXX XXXX to wellsfargo for XXXX. 
We inadvertently mobile deposited the same check to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX returned the check as already cashed. Then on XX/XX/XXXX wellsfargo removed the amount from our account. The check shows cleared by wells fargo from the issuer XXXX XXXX. The money was not returned to the XXXX XXXX and the only response from wells fargo after numerous calls and two claims is they did the right thing by removing the money from our account and accused us of committing fraud. We are unable to get an answer as to what they did with the removed money and did not return the check to the issuer. The only response we get from them is that the check was cashed at another bank. which it was not it was returned as already cashed. They refused to trace the check. The issuer still shows it clearing wells fargo.
Debts are in a current Chapter XXXX. According to court documents, almost all of our credit card accounts were sold to Portfolio Recovery Associates ( " PRA '' ) .We are in our XXXX yr of Chapter XXXX, and all of sudden we are getting phone calls to our home and to cell phones from them. We do not answer them, but are able to locate the numbers as PRA or associates of PRA. I have sent them an email with our Chapter XXXX account number requesting they stop calling, but asking for an answer to my email, so that I know it was received. Have heard nothing so far. I do believe they are in violation of the stay granted by Chapter XXXX and are also in violation of FDCPA by calling my cell phone. They also need to research their bundles of debt they buy to see how many are in Chapter XXXX.
I have contacted the credit reporting agency numerous times by certified mail asking them to provide proof these inquiries authorized. They have yet to provide documentation, and these items are still on my credit report.
since XXXX, these companies have been pulling my credit putting hard inquiries on my credit without my authorization. 

According to my most recent credit report, the companies are currently reporting to the three credit bureaus that I had applied for credit with their organizations. I do not recall granting them authorization to review my credit report. If so, they should provide signed documents signed by me where i authorized them to do so. 

Otherwise, they have to remove it as soon as possible. 

These inquiries have affected my credit dramatically. since XXXX, i've been sending dispute letters to them through the bureaus ; i've contacted them by phone, but still they haven't taken any action. 

These companies have requested a copy of my report without my consent. 

These are the following UNAUTHORIZED AND INACCURATE credit inquiries ( Validation is needed ASAP ) : XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies Cbna TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos. 

Cbna TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX Credit Card Cos. 

XXXX/cbna TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX XXXX XXXX, XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos.
I had contacted Transunion by phone on XX/XX/2019 to inquire why my score had dropped by 10 points. I was advised by XXXX XXXX that two of my credit card issuers had reported incorrect information on my credit report. XXXX XXXX stated that I should call the credit card companies and request that they report the correct information. My dispute nor my complaint was regarding balance details. 

The first credit card company XXXX XXXX XXXX had reported that a payment had not been made as of XX/XX/2019, and an available balance of XXXX. I had paid XXXX on XX/XX/2019 and the balance owed is currently XXXX, with an available balance of XXXX. I called XXXX XXXX XXXX and spoke with XXXX XXXX and asked that the report to Transunion be upgraded to reflect the correct information. 

I then called XXXX XXXX Bank and spoke with XXXX XXXX to request that Transunion be updated as well to reflect the correct information, and I was also informed of a card limit increase from XXXX to XXXX, and that XXXX XXXX submits its report on the XXXX of each month. My complaint is to challenge the payment history that is showing up that one account was late and both card company balances were incorrect. The following day on XX/XX/2019, I received another alert from XXXX   XXXX and XXXX XXXX that my score dropped again and I have a negative payment history from Transunion. 

The only activity on both cards is that I am paying them on time and before the due date each month. I called Transunion again to ask how my score went from a XXXX to a XXXX because of incorrect information. I was advised by XXXX XXXX that because I have two bankruptcies on my credit file that are over XXXX years old that is whats affecting my score as if I filed it 30 days ago. 

I am trying to rebuild my credit, but this apparently will not work if someone at Transunion keep using the Bankruptcy against me every 30 days not and looking at my payment history or card balances.
I pulled my credit reports to see what was on my credit, as my family and I are looking to rent a house and I found that each credit bureau ( Experian, XXXX and XXXX ) pulled Bankruptcy information from a XXXX party and the court verified with me that they do not report to credit bureaus and therefore must be deleted. If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. This is hindering me from renting a house along with getting a car at a good interest rate, credit cards and could potentially prevent me from getting a job or a promotion.
Loan I thought was always in forbearance to avoid any late payment being posted to the credit company 's and was never notified about loans being out of forbearance
There was a huge mix up with this account and I paid this account. I was never late on XXXX or XXXX 2016. Can they please remove the late payments on this account?
I continue to have problems with the credit reporting companies retaining a BK and Charge off of an XXXX XXXX that was decided by the court to be erroneous. I have enclosed the documents showing the final judgment in our favor AND the judge ordering the return of the house to us. This has caused distress to me and my wife as we are trying to secure funds for a newer home. Please see attached court documents. The matter was settled, the property was released and the summery judgement was denied and closed with prejudice against the Bank. ( XXXX )
On a monthly basis, I make a {$1000.00} mobile deposit from my XXXX Checking Acct. into my TD Checking Acct. XXXX for the sole purpose of making an internal transfer payment to my TD HELOC Acct. XXXX. This transactional activity is the only activity in my TD Checking account. The account is not used for any other purpose. This can be corroborated by reviewing all account statements since opening my TD accounts.

Historically, funds have been made available to me " next day '' upon which I make an internal payment to my TD HELOC Acct. On XX/XX/2018, I made a {$1000.00} mobile deposit as described above. The funds have been Debited at XXXX and still being held by TD Bank. After calling TD Bank for clarity, I was told a 6 Day hold was placed on these funds for fraud concerns. At NO POINT has anyone from TD Bank contacted me to raise this concern or inform me of the extended hold. 

As a result, I now risk a late payment being made to my TD HELOC account, something I have NEVER experienced with any debtor at any point in my financial history. Consequences of a late payment may result in my TD HELOC interest rate being raised. 

I am concerned that TD Bank is utilizing a 6 Day hold on my mobile deposit in order to prevent me from making an on-time payment and in turn increase my TD HELOC interest rate. I feel taken advantage of and don't appreciate that I need to go to a physical TD Branch in order to resolve this issue. This is unacceptable. Deliberately making it difficult for a customer to make a payment ( as I have done consistently without issue or change in variables ) is in my opinion, manipulative and deceptive.
I received a written letter from XXXX XXXX XXXX , XXXX regarding an account with XXXX XXXX XXXX XXXX. The written letter offered the option to call XXXX XXXX XXXX , XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$500.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Transunion Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).
portfolio recovery associates. I have told them to stop calling on a debt that should have been taken care of by the credit card. this debt is over 10yrs old if the credit card insurance didn't pay the card off that is the credit cards problem that is the reason i paid monthly charges for the insurance. I have repeatedly told them this and have told them to stop calling me. they continue to call me from different numbers then hang up on me
On XX/XX/XXXX, I received a bill from my XXXX credit card charging several purchases from the XXXX XXXX with a total of {$5400.00}. I did not make any of these purchases, and explained the fraud to XXXX, and closed my account with them. On XX/XX/XXXX, I went to Chase bank and then discovered that {$6500.00} was taken out my Chase account without notifying me, and that the money went towards the same XXXX bill from the fraud purchases from the XXXX XXXX. I informed Chase, closed my account, and notified the police. The police report said that the items were purchased with the XXXX card and money from my chase account was taken out to pay it off, and shipped to an address in XXXX, and they are still investigating it. XXXX has yet to refund me back my money, and told me that they need a statement from Chase confirming that there was fraud. Chase, however, refused to give me the proof even though I have contacted them multiple times all year since then, and because of this, I still have not got my money back.
I had an account with PNC Bank. I was given checks by a family member, which I then deposited in each of my PNC accounts ( Spend, Reserve, and Growth ). Then, I was informed by the family member that he thought he grabbed the wrong checkbook, and used one of his old accounts. So I knew the checks would be returned. I called PNC to notify them and also stopped into my local branch to notify them. I had used {$200.00} of the funds made available immediately. However, the bank had placed a hard hold on my account when I found out as I tried to deposit {$500.00} through the ATM to make sure that my account did n't go into a negative balance. The ATM would n't allow me to make the deposit, so I stepped inside the branch to do so. I asked the bank employee to make a deposit in each account and she told me that she would just deposit it in the spend account ( which did not have a negative balance ), and transfer it over to the other XXXX eventually. After a few days, the money was still not transferred over and the bank had started charging me c '' continuous overdraft '' fees of $ XXXX per account. I contacted the branch and they reversed the fees. However, on the day after the reversal, the bank charged me continuous overdraft fees once again, then closed the account. When I called the branch to tell them, they said they ca n't do anything about it because it 's closed and offered me a {$20.00} stop & shop gift card. When I spoke to their closed accounts department, they told me they ca n't reimburse me because they already gave me courtesy reimbursements. Now, I would never have in tired those fees if they 1 ) had n't put a hard hold on my account, and 2 ) the bank employee was n't too lazy to write out XXXX deposit tickets so I could make a deposit in each account. I do n't mean to make a XXXX over {$14.00}, but there 's no reason they should have it for something that was in their control. I had enough funds in my spend account to cover the negative balances of the other XXXX accounts, but they would not transfer it over.
My husband and I went to XXXX XXXX in XXXX WV in XXXX of 2015 to purchase furniture for our new home. We asked the selling agent what our payments would be and we were told that they could not tell us because it was against Wells Fargos new policy. They said that our payments should not be more than {$70.00} a month, which is what my last furniture payment was. We could easily make {$70.00} work as a monthly payment. We also had to pay our sales tax before our furniture would be delivered. We paid {$260.00} in cash and our loan amount was for {$4400.00}. Our furniture was delivered in XXXX and when we received our first bill and it was twice the amount at {$150.00}. 
I called Wells Fargo and explained what we were told by XXXX XXXX and that we could not swing that high of a payment with our new home payment, student loan, car payment and a baby on the way. They said that we had signed a contract and that it was set in stone unless we wanted to pay off the full amount of the loan. They also said that we could appeal the contract. Upon looking at the contract the first page reflects a 12 month date and the second page reflects a 17 month date. 
We were denied the appeal by Wells Fargo Speaking with them again they said that they could lower my payments if I were not under a contract and that I am required to pay the minimum due whether I can afford to or not. If I can not pay the amount due they will be forced to take action because of breach of contract. 
We have made the payments throughout the year the best that we could whether we were able to pay the full amount or just what we could afford. We have now received a letter stating that we must pay {$280.00} by XXXX XXXX or they will be forced to take legal action and make us pay {$4900.00}. We were also charged {$1200.00} in interest for one month. We have made our payments the best that we could throughout the year ( XXXX ) causing our bills to pile up. Even after explaining all of this to Wells Fargo they were still unsympathetic to our cause and unwilling to work with us on this matter. 
If we had been quoted the price of {$150.00} a month we would never have made the purchase because we could n't afford it and we knew that we could n't afford that high of an amount going into the purchase. But we were not quoted that amount, we were quoted {$70.00}. My credit score was right around XXXX going into this purchase and it has since plundered. What are our options?
Hello, My name is XXXX XXXX and I have a home located XXXX XXXX XXXX XXXX XXXX Il XXXX. I had been struggling not to loose my home and was in a modification that was too high for me to afford. I was told just keep up with my payments for 12 months and my mortgage would be refinance. I never had the opportunity for apply for a HAMP because I was informed the loan bank would allow and was located in XXXX. My loan was originated in XX/XX/XXXX with Indy Mac Bank who was also who I was making my payments too. I was informed my loan was sold and according to Respa I did not received a 60 day notice that my loan had been sold and now my property has been taken from me by deed. I was also inform that I could contact XXXX Bank who my loan was sold to by my originated lender on XXXX to apply for a Home Affordable Modification since I never had the opportunity to being in a adjustable rate mortgage and my mortgage was under water. I was not notified in writing from my servicers or origination lender that my loan was sold to the bank that foreclosed on my property and will not work with me on not eviction removing me from my property. I really do n't want to loose my property for unfair treatment of adding force place insurance to my modification not allowing me to get my own insurance to reduce my payments to a fair amount I could not afford. Instead my lender would not allow me since they were making a commission off of me. I feel they only cared about themselves not me as a borrower assisting me with a fair fixed rate mortgage instead of a ARM and violated Respa Guidelines by not written notice that my loan was sold to a lender I could have tried to work with to avoid loosing my property. Please assist
Bayview Loan Servicing is stealing mortgage payments and claiming they never received your payment. During my Trial Loan Modification I made all 3 of my payments on time. XXXX XXXX is a very dishonest person, she lied saying they didnt receive my XX/XX/XXXX payment. Today I decided to go online and look at my statement and I can clearly see where Bayview Loan Servicing received my payment on XX/XX/XXXX in the amount of {$710.00} and it was credit to my account on XX/XX/XXXX, a blind man can see the fraudulent activity going on here. XXXX XXXX sent me a letter yesterday saying my Loan Modification is  denied because I didnt make my last payment. Is XXXX really that XXXX, she doesnt see the payment? I have done everything to resolve this issue. I will be going forward with a lawsuit against these CROOKS! My Loan Modification was APPROVED and EXECUTED because I did everything I was supposed to during my Trial Modification Period! Something serious is wrong with XXXX XXXX and she needs to be terminated and locked up for trying to steal and scam people!
Was charged an annual fee of {$450.00} on XX/XX/XXXX an account that has not been used and since been cancelled. Cancelled around XX/XX/XXXX American Express is trying to collect a fee on a cancelled unused account. They will not reinstate the account with the perks nor let go of the {$450.00} fee. 

How can a huge company like this try to collect for an annual fee on an account that was almost right away cancelled after the charge of {$450.00}??
I didn't authorize the following inquiries : XXXX XXXX XX/XX/XXXX XXXX other than personal XXXX XXXX   XX/XX/XXXX XXXX other than personal INFORMATIVE XX/XX/XXXX Miscellaneous and public record XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it. 

XXXX XXXX XX/XX/XXXX This account has never been late. Have them to provide proof. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX This account was never late. Have them to prove it. 

XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it.
Synchrony bank via care credit, ran my credit for a larger line of credit but I did not authorize them or ok 'd them to do so. I called in XXXX to rectify this issue and it still seems to be on my report as a hard inquiry!
Received multiple calls per day from Nationstar mortgage starting at XXXX. Loan is not overdue.
BB & T employees XXXX, Assistant Vice President, and XXXX, Retail & Small Business Leader, have independently and together colluded to ; obstruct the instructions given to me by BB & T Branch Banker, XXXX ; and, prevent the refund of bank fees to my account.
Equifax XXXX are reporting me as delinquent on my account which lowered my score. I have contacted my creditors and everyone states I am current on my accounts. NO one is able to explain why my score has plummeted!
We applied and were pre-qualified for a mortgage with Santander bank. While in underwriting the underwriter ( XXXX XXXX, Santander Credit underwriter III ) decided that my wifes income from XXXX would not be allowed and demanded an additional 10 % down to issue the mortgage ( taking us to 20 % ) He additionally refused to give credit for my annual bonus due to being with a new company, even though i have over a decade of bonus history. He refused to give even a pro-rated amount for my wifes ' earning potential even though she has 20+ years of earning history. I have over 15 years of bonus history. Due to his exemptions of our income, the calculations put us at a 42 % gross income to mortgage ratio ( 2 % above the threshold for a 10 % down loan, requiring we step up to 20 % down ). This feels purposeful and predatory. 

While this was going on we expended several thousand $ of inspections fees, appraisal fees and a lease break on our apartment. Sum total {$11000.00} and are now on the hunt to find a new place to live. ( And our credit scores were negatively impacted ). 

They did not provide a disclaimer that they would refuse to accept my wife income ( due to it being from another state ), nor my bonus when we signed up to work on this mortgage with them.
Citi XXXX card charges a {$25.00} late fee AND interest. That 's outrageous! The late fee is high and the company is charging TWICE for an error.