WillisBack/dataset-financial-user-claim huggingface dataset:
I called all 3 credit bureaus about several inquiries that were not mine and a few that were duplicates listed in my report. I disputed these results and every time I call in they tell me there is no dispute. Equifax told me I had to dispute directly with the company that did the inquiry. I sent notices to them and did not receive communication back. I updated Exquifax on XXXX18 as well as XXXX and XXXX and was told they could not help me. I have 45 inquiries on my report and only 6 are mine and accounted for. All 3 credit companies will not aide me in the removal process.
my credit score decrease without any specific reason in XXXX XX/XX/2015 and I paid off in full a personal loan XXXX XXXX bank and I didnt received XXXX credit from all credit bureas. I contacted Experian credit report and I was told by a representative some times my credit score will decrease without any reasons.
re : One Main Financial Adding Vehicle Insurance On Title Loan # XXXX On XX/XX/2018, in response to written communication received regarding failure to supply proof of insurance on vehicle used to secure funding, we faxed copy of Declaration Page for policy with XXXX XXXX XXXX XXXX/XXXX Insurance to number supplied, along with a US Mail copy sent for the second time. 

On XX/XX/XXXX we received notice, that 'despite two prior notifications ' a 'Lender-Placed Insurance Premium Add-On ' premium of {$470.00} was being added to loan amount. 

On XX/XX/XXXX a call was placed to Customer Service seeking information as to why, despite confirmation of document received, we are being charged this unnecessary premium amount. 'XXXX ' informed us 1. Mail received requires a month to reach data entry department for update to account and 2. No telephone calls are initiated by One Main to account holder requesting a second fax, if one page of original fax was blurred or hard to read, which was the case here. 

On XX/XX/XXXX, via the 'Contact Us ' page on website, we sent a notice of our displeasure with how our communications were not acknowledged in a timely manner to avoid a {$470.00} additional fee. We explained and verified both mailing address in XXXX, GA and fax number indicated on their documents. We were reassured all was now ok with our account and the additional fees would be 'waived '. 

On XX/XX/XXXX, we received 'Creditor Placed Vehicle Insurance ' policy from XXXX XXXX XXXX XXXX XXXX IN, indicating amount due of {$470.00} was being added to loan amount. 

On Tuesday XX/XX/XXXX, e-mail was received from 'The Executive Office of Customer Care ', asking us to contact XXXX XXXX , @ XXXX, option 1, extension XXXX to address our concerns. No mention was made as to what time zone this person is located, so our first two calls from PST were disconnected when keying in all the numbers. We attempted an earlier time, and finally did make contact with XXXX XXXX who is in CST. 

Unfortunately, this call was very unsatisfying, since this department had no copies of ANY documents pertaining to my issues! 

Please help us straighten this out! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX XXXX XXXX
XX/XX/2017   Reviewing my statement online, from Comenity   XXXX   XXXX   XXXX   XXXX    ;  I noticed fraudulent charges by  XXXX  :   XX/XX/2017  {$23 .00}   XX/XX/2017   {$54.00}   XX/XX/2017  {$54.00}  XX/XX/2017  {$ 43.00} for a total of {$170.00} I called up the credit card company immediately to report the fraudulent charges.    On   XX/XX/2017  I recei ved a form to fill out, asking me to list the dates and amounts of charges ; duplicating what was discussed in a phone call on  XX/XX/2017.     I tried to go online to look this up, and I could n't because the credit card company blocked my access. I call the company, and they claimed I reported a lost or stolen credit card.   I did no such thing and I let them know it.   After filling out their form with what little info I had, I made a rubbing of the credit card on the form I submitted. I asked them to send me copies of those statements in question.   Upon receiving these copie s on  XX/XX/2017 , I re-subm itted a copy their form, writing in the missing info they requested. Even though they had that info when I spoke to them on    XX/XX/2017  ; which they recorded for " training purposes ''.
 XX/XX/2017  I just received a not  ice of my statement available online ; so I proceed to check statement. The fraudulent charges were not removed, no credit was issued.   I called up the credit card company, yet again. It is very difficult to get a person from their phone menu. I spoke to  XXXX  employee ID #  XXXX , and queried her about the discrepancy. She told me it takes them 60 days to review it.
As part of a new lease agreement that I made through my dealership, I agreed to pay the remainder of my lease payments on my existing lease to the dealer. I signed the documents, furnished a lump sum for the remaining payments, and took delivery of the new vehicle and returned my old vehicle the next day. 

At the end of that week, I received a notification that my payment on the previous lease had been taken out of my bank account. I called Ally Financial, explained to a customer service representative that I had returned the vehicle under that lease to the dealer at the beginning of he week, and that I had paid the remaining lease payments as part of my new agreement. After belittling me and telling me that I still owed the payment as well as the remaining lease payments as if I had n't just explained the situation XXXX different ways, the customer service representative told me that I might want to call my dealer because they have no info showing that my lease had been terminated. 

I spoke with the salesman that I had dealt with throughout the lease process, and he told me that the processing might take some time. Now there are XXXX parties pointing fingers at one another. I called back Ally a week later, and spoke to another customer service representative who told me that they had received the remaining lease payments and notification that the lease had been terminated. Good, so how about refunding my extra lease payment? Ally refused to do that. They told me that they would evaluate the situation after the car was sold at auction and decide then whether to refund me the EXTRA payment. Again, they told me to talk to my dealer. 

I left my salesperson a more somber correspondence because at the point I had become more than frustrated. I missed a package delivery from Ally financial later that week, which I expected to be my refund check. I went to the post office today to get the package, and of course it was n't a refund check. Rather, it was a notice of intent to sell my vehicle advising that I order a XXXX party appraisal on the vehicle in case there is a dispute over the value. I see where this is headed. I returned my car with no scratches, dents, or issues with under XXXX miles less than the lease agreement allowed. And I have not been in possession of the vehicle for almost a month so I have no clue how they would expect me to obtain an appraisal at this point. 

Refusing to return an over-payment is n't only unfair, deceptive, and abusive, it 's consumer theft. I have paid every single payment for almost three years on-time and took wonderful care of the vehicle for the duration of the lease. I had considered purchasing the car at the end for the initially agreed on price, because it is probably worth much more than that number given the condition and the lack of miles. Unfortunately I made a grave misstep and now I 'm stuck being given the runaround by a predatory financial institution.
XX/XX/XXXX I applied for a Wal-Mart Credit Card because of a breech of my personal information by XXXX XX/XX/XXXX I have a credit block on my credit file Sychrony Bank ran my credit not only for the Wal-Mart credit card that I applied for but also for a Steinmart Credit card which I did not apply for. On XXXX XXXX, XXXX Synchrony Bank sent me an email with the determination of the Wal-Mart credit application by email with a link embedded in the email. The link did not work so I contacted Synchrony Bank by phone and spoke to XXXX who informed me that the application was declined because of the could not pull my credit score to approve the application. She place me on hold and while she did I accessed my Credit via XXXX, XXXX and XXXX and discovered that Synchrony had pulled my credit score not once but twice. The representative XXXX stated that she would send me out the reason for denial however she advised me to remove the Credit Block from my credit file to have the application processed. When I questioned the validity of her suggestion she explained that if I wanted to have the application processed this was what I needed to do. When I confronted her with the fact that Synchrony Bank had already pulled my credit twice for XXXX different credit cards she thanked me for calling and the call was ended.
I am currently working with a mortgage banker with Chase bank and waiting for a closing date. i locked in on a fixed rate back in XXXX that is about to expire after 60days which will be next week. i have provided the mortgage banker all the documents requested in a timely manner. for the past month of XXXX, the banker has told me that they are in the process of verifying my employment. as of Tuesday XXXX/XXXX/15 afternoon, my job 's HR informed me that they have contacted the bank has verified my employment. as of now, i have not heard from my mortgage banker and when asked about any updates, he has not been able to provided me information on the status of my home loan. at this point, i feel that my mortgage banker is giving me the run around and wants the fixed rate to expire next week so that i am forced to pay a penalty and forced to take on a different and higher mortgage rate. what should i do at this time? can you please help me.
I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
I re-financed my home in XX/XX/XXXX, and the loan has apparently been sold or transferred at least twice since. In XX/XX/XXXX, I prepaid my property taxes due in XX/XX/XXXX for federal income tax purposes. Based on instructions received from the broker who arranged the refinance and representatives of the first company that issued the refinance loan, I did not make escrow payments with the mortgage payment for 3 months. The amount of the property taxes was {$2500.00}. The monthly escrow payment is {$470.00}, indicating that a total of {$1400.00} for the 3 month period and, as a result, the escrow still has a surplus. 
I have been receiving past due notices and phone calls regarding this amount. I called the company to resolve the issue in XX/XX/XXXX. The customer service representative was unable to assist me and I asked to speak to a supervisor. The supervisor indicated that an analysis of the escrow account would be done and they would get back to me within 2 to 3 weeks but that has not been the case. I did, however, continue to receive past due notices and phone calls. I called again in XX/XX/XXXX andf was again told an analysis would be done but that has not been the case. The phone calls and past due notices continue. 
I called the company today and, when the customer service representative was unable to help me, I asked to speak to a manager or supervisor. I was put on hold for over 15 minutes before I hung up. 
I am concerned that this will adversely affect my credit despite the fact that I am up to date on my mortgage and have a surplus in my escrow asccount.
XX/XX/XXXX and XX/XX/XXXX {$330.00} and {$140.00} Currently Disputing
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX Complaint Department Monterey Collections XXXX XXXX, CA XXXX I am writing to dispute the following information that your company provided to XXXX, XXXX, and XXXX. I have circled the items I dispute on the attached copy of the credit report I received. 

This item regarding the said debt owed for {$370.00} is inaccurate because this debt was filed in my Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX. I am requesting that Monterey Collections have the item ( s ) removed to correct the information. 

Enclosed are copies of XXXX XXXX XXXX, Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX supporting my position. Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete and correct the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX XXXX Enclosures : 1. XXXX XXXX XXXX - Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX XXXX. Collection Letter from Monterey Collections dated XXXX XXXX, XXXX
On XXXX/XXXX/2016 I erroneously paid {$1800.00} to Visa credit card account using the Bank of America ( BoA ) online website.This amount was displayed as the amount owed on the drop down menu. After I clicked on the pay button, I realized that {$1800.00} was the amount that I had paid to this credit card last month. {$250.00} was actually the amount that was owed. When the {$1800.00} amount was posted as credit balance to my Visa account on XXXX/XXXX/2016. 
On XXXX/XXXX/2016, I called the BoA XXXX Customer Service number and interacted with an automated assistant that was able to determine my mistake and informed me that my overpayment would be transferred back to my account at BoA from which it was withdrawn. 
On XXXX/XXXX/2016, {$1800.00} was posted to my BoA Visa account as a Credit Balance Refund Debit. 
OnXX/XX/2016, I called the BoA XXXX Customer Service number and asked why {$1800.00} had not been posted to my BoA Checking account from which it came. The BoA assistant answered that it takes 3 to 5 days to complete the transaction. I then asked why it took 3 to 5 days to transfer the money from the card account to the my Checking account but only took 1 day to transfer from my Checking account to my card account. The answer was that BoA had certain procedures. I then asked to speak to a supervisor. When the supervisor got on the phone, I was told that procedure to 3 to 5 days and nothing could be done about that. I then asked to speak to the supervisor 's boss and was told there was no one else available. 
My complaint is that when I make a mistake, it appears in BoA 's favor in a day but it takes 3 to 5 days to correct the the mistake. BoA website prompted the mistake by displaying an erroneous amount. Why was a payment that I had already made still showing as an amount owed. This information is kept on a computer and should updated promptly.
Hi, I've tried several times over the past few weeks to log into my account on both the Bank of America website and mobile app. My user name and password were correctly entered. Without fail, I receive the following error and am unable to log in : " Online Banking is not available to you at this time. Please call us at XXXX. '' I put off calling over this time because I work 60 hours a week and I expect long call times with them, as that's what I've experienced in the past. I'm calling today, Saturday XX/XX/2018. The automated recording apologizes for the " longer than usual wait times '' and thanks me for waiting, but it's currently been one hour and ten minutes and counting that I've been waiting. It seems BOA may be making it extremely difficult for me to log onto my account to pay my bill to force me into a late payment, which results in fees for them.

Unreal.
An account from XXXX in.the amount of XXXX was reinserted on my credit report when it was deleted.
In XX/XX/XXXX I took out student loan with XXXX. It was for XXXX. But after about 3 weeks and XXXX allotment of XXXX was paid to school I got JOB with XXXX and no more money should have gone to school. I ignored it, then in XX/XX/XXXX is was injured at work and was placed on XXXX and my income dropped below poverty line and in XX/XX/XXXX I took XXXX loan discharged from XXXX. Then in XX/XX/XXXX XXXX XXXX started billing me for total amount of loan XXXX. I sent copy of discharged loan then XXXX and XXXX bought loans and they have been reporting on my credit report and ruining my credit. They continue to call me every morning eastern time. I live Pacific time. I have reported to XXXX and they show XXXX balance as it should and then it shows XXXX with late payments and XXXX balance. I also reported FRAUD against school
PNC BANK HAS NOT RESPONDED TO ANY OF MY DISPUTES. I HAVE WRITTEN THEM SINCE XXXX. I AM REQUESTING THEY REMOVE THE FRAUDULENT INQUIRIES ASAP BY LAW
This complaint is in reference to the XXXX XXXX XXXX Acct : XXXX on my Experian credit report.I have contacted Experian several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e.  something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing.I do not consent to XXXX or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims actions. In the absence of any such documentation I formally request that this information be immediatedly deleted from the credit file
I experienced a financial hardship several years ago.  My home loan was originally with XXXX XXXX XXXX (XXXX).  XXXX transferred my first and second mortgage loans to XXXX.  XXXX  and I agreed to a settlement for my second home loan.  I had to pay $XXXX within 12 months and they would write the rest of the loan off and send me a letter for the credit bureaus to fix my credit.  XXXX kept their word.  However, XXXX and Equifax refuse to adhere to the letter.  I have been mailing the same document to them for a year and they still refuse to remove the negativity from my credit report.  How should I proceed?
On XXXX/XXXX/XXXX, I received a physical letter, dated XXXX/XXXX/XXXX, via USPS notifying me that I owe {$990.00} to " Nelson, Cruz & Associates '' for an outstanding balance unpaid to " XXXX XXXX XXXX ''. They requested I remit the total balance owed via a bank wire to XXXX XXXX XXXX or by check to " XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ''. I spoke to XXXX XXXX and someone named XXXX from Nelson, Cruz and Associates. XXXX claimed the original debt dated XXXX/XXXX/XXXX was sold to them in XXXX by XXXX and then mentioned it was somehow related to a XXXX through XXXX XXXX. He also refused to give me any contact information for XXXX. After this refusal, he mentioned I could clear my debt today by paying only {$500.00} as a settlement and then asked if I would commit to paying it today. This was very suspicious to me, so I did my own internet search and contacted XXXX immediately and they had no record of my social, account or name. The XXXX rep informed me that they do NOT outsource their collections, but instead have a collections department in house and also mentioned it was strange that the XXXX account number was not referenced in the collection. XXXX recommended that I report this incident to the Credit Bureau, Attorney General and BBB, which I plan to do immediately. After much strife, I did another search for Nelson, Cruz and associates and it appears I am not the first they have attempted to scam. I am attaching the scam letter from Nelson, Cruz & Associates to warn everyone to how bold these scammers have become. Apparently we have to beware of not only phone scams, but also mail scams.
XXXX address ex wife XXXX ex wife name the only information related to me is XXXX Mi XXXX all other are not mine and should be removed they are related to an ex wife
I am extremely concerned with Bank of America 's discriminatory policies directed towards members of the gun industry. These efforts create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes. 

Thank you for your kind attention.
PROFESSIONAL ADJMNT CORP CLAIM I OWED THEM MONEY FOR MEDICAL BILLS FOR YEARS I 'VE REQU ESTED VALIDATION FOR YEARS NONE WAS PROVIDED FOR YEARS THIS ITEMS HAS AFFECTED MY CREDIT, FOR YEARS MY VALIDATION REQUEST WAS IGNORED
ON XX/XX/2018, I RECEIVED NOTICE FROM XXXX CREDIT BUREAU. THAT MY CREDIT SCORE HAD DROPED, AND THAT SEQUIUM ASSET SOLUTION A COLLECTION AGENTCY HAD REPORTED THAT I OWE XXXX XXXX A BALANCE OF {$750.00}. I HAD IT DISPUTED WITH XXXX CREDIT BUREAU TO NO AVIL AND THATS WHY I AM APPEALINGTO YOUR BUREAU.
The credit card issuer invited me number of times to apply for a credit card.and every Time i apply i get denied.my credit score is good and i do get accepted through other Credit cards that do approve my application with out no problem.i would like to have them Investigated to be certain that there is no discrimination issues involving my efforts Applying for this type of credit card.so that it will be no complaints in the future.Thank you sincerely.XXXX XXXX.
XXXX has been non-compliant with removing the unverified account CREDITACPT XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CREDITACPT was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I disputed my judgement with Equifax on XXXX XXXX, XXXX. The other XXXX bureaus had already deleted it. This was an eviction from XXXX XXXX and the courts replied to Equifax reporting satisfied/released. 1. Equifax refused to remove it stating the courts would have to send additional forms even thou the courts responded to them directly stating it was released. ( I have the conversation recorded ) 2. Equifax then RE-AGED this judgement on my credit file to XXXX XXXX to reflect it as being recent!. ( I have the form showing my score went down due to a NEW judgement being added to my report. ) 3. They also did this to another item I disputed. I have the information showing my score dropped due to a new ( bad account ) being added to my credit profile. They closed the previous account and then " opened '' up a new account on their own. I DO NOT have a new account with this company. Equifax is maliciously causing stress to me, reporting wrong, damaging, and inaccurate information to my credit profile. My consumer rights have been violated.
I am getting constant, sometimes twice weekly in the mail, offers of Chase ink Business Preferred Visa card. I am on the permanent list to not get credit card offers plus I have call them stating I am not a business nor do I have a business. I have called a second time simply stating nicely I do not want, nor would I ever ever apply for their card. I feel harassed by Chase. Please make them stop sending the XXXX offers.