WillisBack/dataset-financial-user-claim huggingface dataset:
I went online on XXXX XXXX to pay my mortgage with US Bank and discovered that there was a {$78.00} insufficient funds notation in XXXX of my XXXX accounts. This was alarming because I never pay debts out of this account -- it is only used to deposit money from sales made on XXXX. It is also used as a backup account if my main account is low on funds, but I do not keep money in this account unless items have been sold. When I contacted the bank for an explanation, I was told that it was a deduction made by XXXX. I do quite a lot of business through XXXX, but only through my main account. They referred me to XXXX for an explanation. When I called XXXX, they told me that their records showed absolutely no transaction through this account. I called US Bank back and told them what XXXX had said. Then I was told that I could file a complaint and that I would be sent a form to fill out and the bank would investigate. I waited for more than a week and no form came. Upon calling the bank yet again, I was opening my mail at the same instant and discovered a letter from the bank informing me that my complaint had been investigated and that my file had been closed because I had authorized the charge. I informed the representative that I was speaking with that this was not true, that I had never received a complaint form to complete, and this was not an appropriate " investigation '' without consulting me regarding XXXX claim ; the " investigator '' had apparently accepted the word of XXXX without any proof that the charge was legitimate. The letter also said that I could request a copy of the documentation used to make this determination, but was told that there was none available. Of course, I was furious and incredulous at the same time! I was then informed that if she tried to escalate the complaint, it would merely be kicked back noting that the file had been closed and the charge was legitimate. She suggested that I go to my local branch and have them escalate the complaint for me. From my initial conversation with my local branch, I was referred to the national number for the bank for resolution, leading me to believe that they could not or would not help me. The individual that I spoke with at the national number had told me that she could see that this type of fee had been charged to several of their customers apparently erroneously, as there had been no purchase of goods or services involved, but nothing had been done about it, and the notation as to its origin was unexplained. This appears to be fraudulent in nature if XXXX is indeed charging customers fees that are not genuine or owed, without even informing the charged customer. In addition, the bank is not processing complaints about these instances and is instead taking XXXX word that the charges. are owed. I think both parties are at best negligent in their behavior and at worst, committing fraud on the part of XXXX, and collusion on the part of the bank. I want a full and complete explanation for this charge to my account ; it was not authorized. If it is indeed erroneous, I want the bank to reverse the charges and make my account whole again.
The Credit reporting agencies are preventing me from obtaining any credit whatsoever by not furnishing an accurate credit score. With this, I can not build a credit history. XXXX for example, when I go onto their site, check my score and they show can not be shown. However when I go to the score tracking they have it shows a score XXXX as of XXXX XXXX shows me to have a score of XXXX ( via XXXX XXXX ) and XXXX a score of XXXX. I do have a credit monitoring service and all my reports are good to exceptional with the exception of History. Yet, these agencies are not accurately showing lenders my score. These Hard Inquiries are hitting my credit report in a very negative way. I got a pre-approved credit card offer with a credit line of {$500.00}. Good to start with, so after I gave them all my information, they DENIED ME because of the misinformation XXXX provided them. After reviewing my reports, there is absolutely no reason for denial. So this is an unfair practice. And with all these Hard Inquiries, it looks bad on my report and furthers the denial decisions! I told them to take them off, and they refused. Companies like this has a very adverse effect. I apply for a loan or a credit card knowing I have the funds to pay off AND Sill I'm denied. This is totally unfair! Also, XXXX made a grave error by giving XXXX XXXX my score as being XXXX instead of the XXXX in which I have.
My report is not reflecting the correctly that I have paid down my consumer debt on credit cards to 36 %. XXXX  has reflected that in their report and given me XXXX. Trans union and XXXX  are lagging and under reporting my score.
I need someone to address this issue expeditiously : Two years ago the XXXX turn our account account over to a unethical, unlawful collection agency that harass you and tell lies to get money out of Americans who has loans with the XXXX XXXX XXXX. Something needs to be done about the company ASAP there name is Pioneer Credit Recovery they are a collection agency out of New York that does bad business practices. In 2014 they took my tax refund because they lied and told the XXXX that my XXXX XXXX XXXX XXXX was a Student Loan Something needs to be done about this Company ASAP. Send out a Stop and Decease Letter ASAP these people are misrepresenting the XXXX XXXX XXXX which is a Federal Agency. Pioneer Credit Recovery Needs to Be Stopped By the Government for Misrepresentation of Government Loan Accounts. 

On last Friday ( XXXX ) my job gave me some papers that will be giving a XXXX Collections XXXX the right to garnish my wages after I sent them in supporting documents explaining my financial condition. In the letter Pioneer Credit Recovery sent to your oXXXXfice they lie, and said that I did n't send in my XXXX. I can send the information that I sent them. Plus I have always told them that I could afford only {$300.00} dollars a month this Company XXXX XXXX Wants to receive {$550.00} a Month which I ca n't Afford. This company has lie on me I 've been advised to Sue them by an Attorney for wrongful and unethical business practices, because have harassed me by continuing to call and not except my financial agreement that I was willing to pay. Now they want to garnish wages at there amount which will greatly affect my bill agreements that I currently have. I 've never missed a payment with Pioneer Credit Recovery XXXX agency they are just unfit to represent the Federal Government. Feel free to call me at : XXXX
On XX/XX/XXXX I called Santander Consumer USA to inform the company that I was surrendering the XXXX XXXX XXXX and I was leaving the car at the XXXX Dealership where I purchased the vehicle. The customer service representative who I spoke with indicated that she would note the account that I surrendered the vehicle. On XX/XX/XXXX I received a phone call from a representative indicating that they have nothing on record indicating that I surrendered the XXXX XXXX XXXX. Furthermore the customer service representative who I spoke with on XX/XX/XXXX was extremely rude.
I received a call from " GM Financial '' XX/XX/XXXX, The call entailed a man requesting a payment from me for a closed, pre-paid truck lease and in receipt of payment he would not damage my credit. 
This prepaid lease was a 24 month lease that ended XX/XX/XXXX and I do have a receipt from dealer and gm financial of return of vehicle. 

He was willing to accept less if I paid 'NOW '' I then informed him that my contract was satisfied 6 months prior to his call and that no payment was due or owing. I just received informationXX/XX/XXXX, that my credit reports were updated to reflect missed payment? ( thats an impossibility ) This is my second compliant to the BBB about this company in less then a year now on two major issues. 

Desired Resolution : Correction to a credit report The Credit bureau reports that the last information added to gm financial was XX/XX/XXXX and sense that date someone added " missed payment 30-59 '' which just appeared on my report XX/XX/XXXX? How is that even possible?
I had fraudulent charges and my credit ran in my name and I called every single one of the places I 'm about to name about the the inquiries I have from these places and they took my number down telling me they would get back to me and I have n't heard from anyone. I have unauthorized inquires from the following : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Please be advised XXXX XXXX is reporting XXXX 30 day lates on my credit report for XX/XX/2016 and XX/XX/2016 that I totally disagree with! I made XXXX payments in XX/XX/2016 on XX/XX/2016 and XX/XX/2016 yet they still counted me as 30 days past due! I have chatted with them several times and filed disputes yet and still they continue to report the lates which are the only late payments on my whole entire credit report! To put the icing on the cake they sent me a letter saying I was not late! Attached!
I have disputed the way this account has been reported on my credit files on several disputes. Experian continue to list the account with the negative information, the last time I disputed the account was XX/XX/XXXX and have not been able to dispute the information since that time every time I try to dispute I being told account has been dispute already. The account is now begin listed with only the Charge of date and all the other information was remove from the account which make the negative information stay on my credit file longer. I have my credit report from XX/XX/XXXX with the complete history of the account with states this account is schedule to continue on file until XX/XX/XXXX, completely different that what is reported XX/XX/XXXX.
I have been receiving calls from a company called : Certified Mediation who says they are represented by XXXX -- -phone # XXXX. They tried to collect on a supposed bad check with XXXX. They stated I had to pay them via XXXX by the end of the day or I would be charged with XXXX Class XXXX Felonies and arrested the next day by XXXX. They caused me great distress. They made mention of a Pre-Trial Diversion etc. I believe this is a scam and want to report them. Also they went as far as to say they had pictures of me in XXXX. This was an alaborate scheme with multiple so-called departments and people involved.
On XX/XX/XXXXI used my home computer on the Flagstar 's website to request a balance transfer to pay off a XXXX XXXX XXXX credit card. After entering the transaction, I realized I put in the wrong amount. I called the Flagstar on XX/XX/XXXX@ XXXX XXXX & asked if they could access the transaction I just entered and correct the amount. The representative told me the transaction did not go through. She mentioned " if I did not see a disclosure statement, then it did not through '' She also told me that I should go back in and do it again. I chose to wait a couple of days and check to see if it was processed. After two ( 2 ) days, I could not see the transaction, so I used a courtesy check from the Flagstar and went into XXXX XXXX XXXX and paid off the correct balance. On XX/XX/XXXX I received a letter from Flagstar indicating they had in fact prepared and sent a check to XXXX XXXX XXXX. As a result, two ( 2 ) transactions were processed and my account has a balance reflecting both. I was also charged two ( 2 ) fees associated with the transactions. I called Flagstar on XX/XX/XXXX @ XXXX XXXX and spoke to XXXX. She told me the first representative did not know where to look for the transaction. We discussed her putting a stop payment on the check they sent to XXXX XXXX XXXX. I told her after the account was paid off, I closed it. XXXX left the phone and spoke to her manager and returned to tell me that XXXX XXXX XXXX would return the check to them as the account was closed. After I asked her if she was still going to put a stop payment on the check and she said " yes ''. However, XXXX did not. XXXX XXXX XXXX received the second check for the wrong amount and is still holding the credit on the closed account. I complained to Flagstar about the incompetent representatives and they indicated they would review the calls. Subsequently I received a call from a female supervisor who was nothing more that a liar. She told me they reviewed the second call and there was no mention of " stopping payment ''. I know this is a LIE as I was on the phone. They are only attempting to cover their XXXX in this. I wants a transcribed copy of the tape since I was on the other line. They are refusing to provide it to me and lying about the content of the call which lasted twenty-seven ( 27 ) minutes.
Grant and Weber has never responded to repeated requests for the original invoice from the service provider in 2012. Instead, they create their own invoices - on Grant and Weber letterhead - with whatever charge they 've decided to charge me. I 've contacted the original medical provider and they have no record to share since they turned it over to G & W. So they ca n't tell me what the original cost was. I 'll pay legitimate debts, but it 's unreasonable to expect me to pay without ever giving me the invoice for services! So they 've dinged my credit report with a collection, hurting my ability to get apartments and loans at reasonable rates. It 's not fair to tell the world I 'm delinquent and use the credit reporting system to coerce me into paying a false bill.
My due date was on a Sunday ( XX/XX/17 during a three day weekend ( XXXX XXXX ) and it did not roll to the next business day. The chase bank branch near my house was closed both on Sunday and Monday. I have worked in Mortgage servicing for more than 20 years and we are required to roll any due date to the next business day when it falls on a weekend and I believe credit cards should as well. I believe not requiring a due date to roll to a business day is an unfair and unethical business practice. I was charged a {$25.00} late fee
I am a customer of Rush card and since XXXX XXXX th I have not had any access to my account or my money. As we speak I still have no access to my money or account. That is a total of 14 days and still counting of not having access to the money that I depend on for everything. I have spent the last 13 days trying to get through to through to customer service to no avail.
30 days past.response not received. 
Please removed hard inquires my credit file. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), creditors have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report
This is the test of the fax I sent to the company : I became aware yesterday that your company has reported my mortgage payment 30 days late on two occasions this year. I have never missed a payment and have access to bank statements to verify. This issue has impacted my credit negatively and I need you to correct theses negative credit entries immediately. I believe the problem that your company has considered non or late payments to be related to my impound account being re-evaluated and the payment increased as a result. I make all my payments automatically through my bank 's online bill pay feature. I suspect I missed the escrow payment increase notification but as soon as I became aware I increased my payment as well as sent additional funds to cover the amount that was behind. 
Your company has always accepted all of my payments including the extra {$220.00} to cover the impound escrow shortage. I have never failed to send a payment that included the full principal and interest due on my loan. 
Just to reiterate, this issue is extremely urgent as it is affecting my ability to secure financing today. I would really appreciate your response to me with a letter stating that the issue has been resolved and that the credit reporting agencies have been notified to remove the 30 day late notices from my credit reports.
My complaint is w Citi-mortgage, they are reporting me as a derog, on all XXXX of my credit reports. ( XXXX, XXXX, XXXX ). I filed a Chapter XXXX, and was discharged XX/XX/2011. They are reporting a credit history, Acct # ending in XXXX. I am trying to buy another home and this reporting is not allowing my fresh start. I have paid the price for my bankruptcy. This needs to be deleted as its not reporting correctly. They also sold my loan. I have no contract w them. I have already been denied credit, this is now slander with damages. I have already suffered damages from them.They can not report a history or what payments were. They could only report included in bk and was discharged nothing more. Therefore its in-accurate demand a deletion immediately. I demand a corrected report be sent to me with the updates. My reporting appears as a foreclosure. I am still paying on my home but with a different mortgage company and I 've never been late.
I have had to file a complaint your your agency, several times on EQUIFAX. Each time the matter was corrected. But, now Equifax has a pattern of violating my rights provided to due and I can only believe it is due to the fact, that I have filed several complaints against them. 

The latest complaint is, that XXXX XXXX, has report a credit account to all 3 bureaus on my behave and XXXX  and XXXX  has updated and reported the account to my credit file. But, once again EQUIFAX, has choose not to honor the credit providers information provided and not report the account to my credit file. Equifax mandate, is to report the information provided by the actual creditor and has made the decision not to update the information provided, from the creditor. That is paying a service fee, to equifax, to keep current and update all credit files that the creditor provides data on. This is very unprofessional and has cause me a hardship once again. Due to the lack of not following the mandates provided by the creditor and the fed government. There should be no need for a long drawn out process, the information was provided to them and just needs to be updated as requested by XXXX. 

If things continual in this manner, I will have no choice but to file a civil case against them for all the various violations to my rights. 

I have attached a copy of my credit file, showing it has been report to the other bureaus and updated in a timely manner
Experian is still listing an account that is past the 7 year reporting period. 
XXXX, account number XXXX. Experian is the ONLY credit bureau that is still reporting this account.
This complaint is against SLS - Specialized Loan Servicing -  trying to attempt to collect an unverifiable debt that 's been charged off not once but at least twice prior - if we are even talking about the same " loan ''. They very well may be trying to collect on fake debt for the Supposed Holder in Due Course, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX internal statement XX/XX/XXXX shows Realized Loss of {$60000.00} on Group XXXX - Loan ID XXXX. 

Then an internal XXXX XXXX XXXX statement inadvertently sent to me shows the very same transaction being " charged off '' for {$60000.00} on XX/XX/XXXX referencing data from the XXXX  - XXXX XXXX XXXX XXXX. Loan ID XXXX. 

Then magic happens and SLS assigns XXXX as the new account number on an alleged outstanding principal balance of {$60000.00}. 

This banking / " mortgage '' / loan mischief and deception is to cease now. The shenanigans are truly out of hand.
Transunion deleted XXXX XXXX and XXXX. I have never heard or authorized XXXX. I have a fraud alert on my credit report. I did authorize XXXX XXXX/XXXX/16 as they called me to ask if they could use my credit report. But again, they deleted both and I received an alert from XXXX XXXX, which shows they went back and put both on my credit report on XXXX XXXX. I need for them to delete. I contacted Transunion and they refused to so anything.
I paid the company it was settled in full. Now Solomon and Solomon keeps reporting on my credit report, the bill is originally for XXXX, which is also reporting, They are both reporting for the same bill. Solomon and Solomon is reporting a different amount to make it look like i owe XXXX different debts. Since the account is paid for them already they said it would be deleted when i asked for writing documentation now that it is paid they said they wo n't do anything about it. They are not the original creditor so i do n't know why they wo n't remove the file when it is showing up two times.
I have disputed the account listed by XXXX XXXX XXXX as balance of {$360.00} showing on a charged off account. The balance and status are showing updates as of XX/XX/XXXX as correctly reporting with no change per previous dispute. There is no way that this account could have been validated or investigated correctly based on this information disputed multiple times. 
There can be NO balance on a charged off account. I want this corrected or removed from my credit report. 
I have been denied credit due to this account reporting incorrectly on my report.
I do not have a contract with AFNI. I am not liable for collection of a debt from  XXXX . I contacted AFNI on two occasions to inform them that I am not responsible for this debt due to no contract of services/payment agreement.
Filed for Bankruotcy Forclosed on property and equity credit line bankruptcy discharged property foreclosed on and sold to soneone else i no. Longer live at or own this prooerty THE EQUITY CREDIT LINE WAS THROUFH XXXX  XXXX. I RECENTLY STARTED GETTING CALLS AND STATEMENTS FROM XXXX XXXX XXXX XXXX WICH LOOKS LIJE BOUGHT THE LOAN FROM XXXX   XXXX THEY ARE BOW TRYING TO COLLECT ON A LOAN THAT WAS DISCHARGED IN BANKRUPTCY I CONTACTED THEM AND NO LUCK
I was charged an overdraft fee on XXXX/XXXX/16 and my account was never negative. I had XXXX or XXXX transactions on hold that were pending and they did not clear that night and yet I was charged {$35.00}. I also had a direct deposit come in and still I was charged. I logged into my account and talked to a representative and she is saying that even though a charge is pending they will charge an overdraft fee even if it does not clear and, y account was not negative. This is robbery!!! How can I be held accountable for something that has NOT cleared and may not even go through, it might just be a hold. Bank of America did not do this in the past and now they are. They have not informed customers of this change. They rep informed me that in the internal system it should the available balance was less because of the holds but on what the customer sees on the online banking the account is at a positive and is current. They can not deceive customers like this!
XXXX XXXX has a collection against ( {$580.00} ) me but I have never had a XXXX XXXX account. It states the account was opened in XX/XX/XXXX, closed in XX/XX/XXXX, and went to collections in XX/XX/XXXX.
On  XXXX   XXXX    XXXX  , I was invited to join  XXXX . I felt pressured into buying the  XXXX  membership which I did that day. I realized afterward that I made a very bad mistake and called to cancel but, I was told that I waited too long to cancel and now I was basically stuck with the cost of the membership. I then called the finance company :  XXXX   XXXX   XXXX  and told them that I was no longer interested in Direct buy membership.   I later found out that  XXXX   XXXX  cancelled the membership less than  XXXX  after  XXXX   XXXX  but yet they continued to bill me and eventually sent the account to OMEGA a collection company, this company has sent my account to the credit bureau and has ruined my credit. I have never used the  XXXX  membership and  XXXX  is no longer located in  XXXX  Texas.
ar/solutions keeps doing this to me they take out more than they should.they take out 25 % of my pay.i keep telling the courts and ar solutions attorneys. the courts know that I am head of family and the only can take out 15 % of my pay.i need something done with this.they do n't like me reporting them so the do this to me and my family.thank you  XXXX   XXXX ,  ne.this is the ph one number to ar solutions  XXXX