WillisBack/dataset-financial-user-claim huggingface dataset:
a company made a hard inquiry on credit report on XX/XX/2014 i never gave the company permission or had any dealings with them for employment or financial i contacted experian who said it was valid inquiry and provided with the company 's phone, i attempted to contact them and the number is not in service the address provided as well is also incorrect the post office returned mail addressed to them. i now feel the company does not exist and this could some of fraud or identify theft on the company that pulled my credit report without permission
Americollect claims I owe money for a medical bill. They placed several calls to my employer but did not call me. When my employer returned the call Americollect informed them that they were attempting to collect a debt from me. I called Americollect and they informed me that my work number was what they had for contact information, but I have never given my work number to anyone - I did not even know the number and had to look it up.
I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX. I am not responsible for this debt with XXXX XXXX XXXX.
The company XXXX CONTINUES to report on my credit bureau stating I owe a debt that I am not aware of. I have sent them numerous letters stating that I need to has this verified in order to determine that these alleged debts are owe by me. They sent me an account summary which shows nothing about me opening these accounts. I asked them to send me the consumer contract with my signature on it so I can see if that is my signature. They have failed to do so and from my understanding under the FCRA a 3rd party collection agency should have that information and they have failed to provide me with the info and continue to place this alleged debt on my profile which is hindering me from utilizing my credit. They stated that these accounts were made online, without my signature how could someone just open an account with my authorization online and they hold me accountable and they cant verify that it is mine.
On XX/XX/XXXX I called and spoke with chase auto fiance Account number XXXX, I explained that I had called and requested a billing extension for one month which was granted ; but do to my health and being in and out of the hospital I would need another 3 month extension, I was told they could not do another extension, however they could change the due date from the XXXX of the month to the XXXX. I was also told that f that payment was not received or was returned that the original due date would revert back to the XXXX. Because I didnt receive any statements after s I was in the hospital. I called back and explained this to an agent, who because I hadnt received the statements informed me because it was a medical emergency do to a XXXX XXXX that she would submit XXXX late fees in the amount of {$30.00} each to be reviewed to be removed. I then spoke with a supervisor, her name was XXXX id XXXX making a payment at chase bank I called back and was told that the fees had not been credited back and the original due date had not been reinstated to the XXXX of the month, I again spoke to another supervisor XXXX after explain the situation to her again, she informed me once I brought my account current that the due date would be changed back to the XXXX of every month and because of the extenuating circumstances that she would approve the credits for the XXXX late fees {$30.00} each for a total of {$90.00} and that I would see the credit on my next statement. Once I got the account current by making a payment at chase bank I called back and spoke with another supervisor who informed me the credits had not been approved despite what I had already promised and the due date had not been changed back. Because I had already spoken with a supervisor, XXXX XXXX on XX/XX/XXXX and had been told the due date would be changed back to the XXXX of the month and that the XXXX late fees of {$30.00} each for a total of {$90.00} I am requesting that chase honor what there supervisor said she would do and credit back the {$90.00} in late fees as well as change the due date back to the XXXX of the month. The agent that had informed he had processed another extension that he had approved so my next payment should be on XXXX XXXX XXXX the agents name was XXXX  XXXX.
Hello. I purchased an item from a merchant using an AMEX Serve prepaid card. The item arrives faulty merchant declined to accept return. I startes a dispute, while dispute was pending i called AMEX to check status at which a representative told me claim was approved and merchant would refund. I asked what i could do with item she said anything i want since merchant agreed to refund i gave item away. Next week i get email saying dispute was closed in merchant 's favor. So im stuck with no refund and no item.
I was contacted by someone claiming to be with our lender, Ocwen, who claimed that we had been approved for HAMP. They sent paperwork for us to sign and we faxed it back to them at XXXX. They continued to call and provided us with a name to send {$500.00} via XXXX XXXX to. The first payment went through but XXXX XXXX denied the next payment. We became suspicious when the rep we were speaking with told us there was a fraud situation, so we met with a housing counselor. When Ocwen was contact they had no record of the HAMP, paperwork or payment. It was all a scam.
Medical debt on my credit XXXX  credit report not responsible for ... .I explained repeatedly and two of the three bureaus removed the debt ... ..Do n't understand why they keep harassing me to pay it.It was an accidental injury while I was a patron in restaurant ... .Owner agreed to pay bill. XXXX XXXX owned establishment.
Capital One at XXXX XXXX XXXX, XXXX, NC XXXX-XXXX  issued me a Spark Business card. Capital One emailed copies of several months of my credit card statements to a woman in Minnesota that I don't know. She contacted me to tell me that she had all of my credit card statement, my vendors information and my personal information. I contacted Capital One and cancelled the card. This breach of my account and my personal information was no big deal for them. They were apathetic about it. My business had to change all of our automatic payments with all of our vendors. I have no idea where else Capital One may have sent my information. They should be accountable for exposing me and my business to identity theft. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX XXXX XXXX XXXX
was denied credit and pulled a report, company did not make information available to me before reporting to my credit report. This is an unfair practice.
XXXX XXXX Loan reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XXXX XXXX, so my XXXX payment should of processed through my XXXX XXXX  account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to XXXX ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought XXXX was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her what the name of the person who will be calling and she said she does not know. I asked her what time the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CORRECT CALL-to no avail. Now I have a late payment mark ( the only one I have on my all my reports ) due to XXXX being unethical and allowing their representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees. We have provided proof that our average balance was and still is $ XXXX so why would we not want to pay and use a closed account that would generate fees?
As many millions of others learned today XXXX XXXX/XXXX/XXXX XXXX, my personal credit information and all of the sensitive things that go with it were hacked. This exposes me to the potential for identity theft, as that information is now essentially public to those who would wish to use it maliciously. While I understand Equifax was not directly responsible for the release of this information, they failed to protect it adequately.
XXXXXXXX XXXX XXXX XXXX company issued a collection action with XXXX XXXX XXXX XXXX XXXX XXXX - against me - for a disputed bill that my wife incurred under my social security number while we were separated before our divorce the first delinquent payment date missed by my wife was XX/XX/2011 - after i moved to XXXX then back to XXXX  - XXXX obtained my current address and sicked the collection agency on ME - i paid the entire disputed amount of XXXX dollars as part of our divorce agreement - however - after numerous contacts with expeian - ( disputing the account as the first the first delinquent date is greater than 7 years and this paid in full ) the account needs to be removed from my credit reports as per regulation by the fair credit reporting act - experian needs to remove this account from my report - in addition - experian does not report this account as paid in full CLOSED and it is counted as one of my 3 open negative remarks in my report causing me financial hardship because as a result of my divorce - my wife gets 25 % of my income so i have to move to fla and purchase a mobile home - the only thing i can afford - because of this false information on my report - i am being denied a mobile home mortgage
I been having issues with my private bank for years. So it 's wise to say I been monitoring the financial violations on my accounts. And life. So using Uber was safe and affordable. Until I began to be charged with driver Cancellations. And not given accurate quotes. Even being placed with abusive drivers. I had to report to Law enforcement. So this last insult by  UBER  drivers. Has driven me to file a consumer complaint & seek legal actions for the emotional distress I endured from being a loyal member of  Uber  and these banking organizations. Since I know the injustice of the banking world to prove this claim is the cause of my consumer report. I would like  Uber  to credit the account they been taking funds from. When they state they credit me. I am unable to speak to a live representative for my credit. So this complaint is so Uber can refund my debit Card the funds and credit owed to me by driver and technological error. So I can file my complaints with my banking as well. For the overdraft fees etc ... Years of being violated has lead me to want to seek legal actions.
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
My online checking and savings accounts were hacked and nearly all funds were transferred out to external bank accounts via online bill payments within 24 hours. I was not notified of " suspicious activity '' by Chase, however I was locked out of my online account. I did call Chase, the problem was found and I did go into a Chase location and fill out all paperwork. Now Chase is holding my claim in " pending '' status and all I can get as an update is that the Claims department needs XXXX - 5 business days to process the claim. We are going on day XXXX, they should have more information to offer than " pending '' or telling me " XXXX - 5 days ''.
Date of Identifiable event XX/XX/XXXX - Synchrony Bank of XXXX, FL stated I had a credit card debt of {$12000.00}. I have never done business with that bank ever. I have never received any letters or bills from this bank before. GE Capital owns Synchrony Bank since XXXX. I have never had a credit or and business dealings with GE Capital either. The Loan # listed is 16 digit like a credit card. It does not match any credit cards I have ever had. Synchrony Bank discharged/cancelled the debt of {$12000.00} and sent me a 1099-C form and stated I was personally liable for this debt.
On Tuesday XXXX XXXX, 2017 while at work I received a phone call from the vice president of the company in which I am employed stating he had received a legal matter involving me on his desk via fax. He forwarded me an email of the fax communication he had received from Kashia d/b/a XXXX XXXX  requesting an wage assignment. I stated to him I was unaware that any civil judgements or garnishments had been placed against me as I had not been taken to court for anything relating to such. It was requested that I follow up with a company that my employer follow up with a company called XXXX XXXX. Upon a simple internet search I learned that this was an unlicensed payday loan lender and that the contact information for both Kashia d/b/a XXXX XXXX and XXXX XXXX was vague at best.
I went online to American Express XXXX and booked a hotel room for XXXX nights, was quoted around {$140.00} a night for the XXXX nights a total with tax of around {$320.00}, and when I hit accept it charged me instead for a total of {$420.00} and booked me for a larger room. When I called to rectify the situation with American Express they failed to take responsibility and rectify the situtuation, failed to make me whole in any way, shape, or form, failed to accept responsibility for the gliche in their website, and failed to accommodate me in any way. I spoke with XXXX XXXX in customer service as well as several others in XXXX customer service and got no assistance at all. I found the correct room online with XXXX, and asked for them to refund but it would take 10 busienss day to process the refund at which time I would lose the deal for the better rated room.
There is an item appearing on my credit file under Pathfinder Credit Svc XXXX this is unknown and reporting as owed {$5900.00} and the last payment made was XX/XX/2010. I have disputed and requested validation nothing has been received.
Discover credit card had send me several offer saving that there is no fee for transfer balancing. Once I applied for credit card and did my first balance transfer that was not the case and I was charged with the balance transfer fee.
Was discharged through my bankruptcy, though coerced, by collection agency, for less than {$300.00}, after bankruptcy! Collection agency complained of the small, regular payments I was making, wanted more, or paid in full, till I realized wrong.
Regarding Navient student loan payment ofXX/XX/XXXXof XXXX. I think it is unfair that I have to make this one payment of {$150.00}. The recertification period, starting on XX/XX/XXXX. I filled out the I.B.R. annual recertification on-line. On XX/XX/XXXX I received notice from Navient that they needed a copy of my paystub, which I mailed immediately. I do not have access to a scanner, so I had to mail document. Later I received notice that they needed further clarification. I then had to mail another paystub to them. These delays resulted in this incorrect billing of {$150.00} between the I.B.R annual zero-payments of XX/XX/XXXXand the current I.B.R annual zero-payments for the period ending of XX/XX/XXXX. Your help in resolving this matter would be greatly appreciated. Thank you.
I opened a XXXX account on XX/XX/2013 and made XXXX purchase. The first bill was deliberately sent late so that I was required to pay a late fee. I wrote XXXX a letter pointing out that the invoice was sent After the due date paid them the amount of the merchandise and cancelled the card. The company has continued to rack up finance charges and has hired Portfolio Recovery to harass me relentlessly by calling. I made a mistake of writing a check to Portfolio Recovery ( XXXX ) thinking that it was an investment account which made the situation worse and amped up the harassment. The charges are all conquered finance penalties that were wrongly charged from the beginning. 

Thank you for any assistance in this matter. 
XXXX XXXX
I have a potential debt for XXXX XXXX XXXX services on my credit report from XX/XX/XXXX. It says that it is from XXXX XXXX response in which I was not in an ambulance in XX/XX/XXXX. I requested more information on the debt from all credit bureaus and have not received anything. With all disputes resulting in the collection saying that it is verified but no information AT ALL. The beginning of XX/XX/XXXX, It was deleted from all reports after filing another dispute in XX/XX/XXXX asking for more information again. Today it reappeared on my XXXX  report. I have not received any notice of this account being added back. The account is still not on the other two but do not know what to expect. Why am I being denied more information on an account that is on my credit reports?
Every time I have called Navient to come up a proper repayment plan, I have always received high payment options.Moreover, right now I have been given a low payment plan, but it appears that the monthly payments are not being applied to the existing open balances.
WFB used incorrect and outdated income figure to calculate loan modification, only reducing my mortgage by {$120.00}, which is put on back end of the loan, due when loan is paid in full. I wrote and spoke to them during Trial Period, disputing NPV input with income documentation. I was not informed of my right to deny loan and re-apply using corrected income. WFB representative treated me as though I were in the welfare line and should be happy to receive their help. I stopped paying my mortgage, taking advise, that more government help available for those behind than those that our current. I have applied for reconsideration, wrote many letters requesting they reduce my interest rate to 2 % from it 's current 4.25 %, which is the same interest rate I had on previous loan. Unfortunately my income has been reduced so much this year that I can not qualify for any help nor can I keep my home.
I reached out to Equifax company because they didn't provided any of the documents that I requested to show any of the accounts were verified. They also sent me back information listing an address that is not mine, that I included in my initial police report of identity theft. They claimed that they verified this information.
I have a loan with CAPITALONE. 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 CAPITALONE 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/XXXX / XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
I asked for help provided everything they asked of me. They still have n't reset my account. It takes 4 days for them to answer. They do n't use the screen shots I provided. They overdrafted my card and I took a screenshot of policy saying in that case there will be a refund. Please fix this asap
On XXXX, I emailed a letter to Regional Acceptance telling them to stop calling my place of employment. I followed up with a phone call stating the same. I was told that my work telephone number would be removed from their system. I provided XXXX alternative phone numbers to reach me. Regional Acceptance continues to ignore several requests made by me. " XXXX '' a Regional Acceptance employee called my employer in an attempt to reach me on XX/XX/XXXX. I have a copy of the email I sent and a recording of the last phone call received after the company was told to stop calling.
I opened a WellsFargo student checking account for my student aid and after a year the account was changed into a regular checking account with monthly maintenance fees without my knowledge. I incurred several months of maintenance charges and received an overdraft in my account by a {$3.00} dollar charge. I now have a balance of - {$44.00} after {$60.00} was taken out of my account for maintenance fees. I searched my statement and I used my debit card XXXX times every month, except for the last month on my statement ( XXXX transactions ) which would have protected me from the maintenance charge, but it did not and I was still charged a maintenance fee for the past 6 months.
I have been in dispute with Ditech ( mortgage lender ) since XX/XX/2018. My XX/XX/XXXX payment was taken from my bank account but never reflected to my mortgage account. The amount in dispute is {$1700.00}. I have submitted all my documents both uploaded and again sent certified mail on XX/XX/18, after several attempts to resolve. I was asked to fax my documents only to run in to the issue where their fax machine either rings off the hook or a busy signal. I have been in constant communication with them both in writing and verbally. 

To add insult to injury, I am now getting Collection calls from XXXX, my so call agent after she knows that I am currently in dispute with them. I have never, ever received a collections call for my debts, especially from Ditech. 

It gets better, I buy my homeowners insurance through them, and I have now been threatened with cancellation due to this horrific mess that is still unresolved.