WillisBack/dataset-financial-user-claim huggingface dataset:
Wednesday XX/XX/XXXX I contact Trans union in regards to the excess of credit inquires on my credit report. I spoke to a rep By the name of XXXX XXXX. I explain to him clearly that the information on credit report was due to the recent security breach that Trans union tries to fix but failed miserably. Trans union has put this unverifiable inaccurate frivolous information on my credit report and refuse to remove. The unauthorized information has brought my score down 9 points. Here is a list of inaccurate inquires that are reporting. 

XXXX XXXX on XX/XX/XXXX XXXX XXXX REPEATED XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX
After accepting my loan and made my first payment, I attempt to track my interest rate on my great plain account by accessing their website, I noticed that the bi-weekly payments went to interest. The charges became excessive and amounted to only fees outside of the agreed upon amount. I borrowed {$500.00} and have paid back over {$900.00}. The company continues to harass me claiming that I owe them an additional {$2200.00}. for a above the amount that I have already paid back for a {$500.00} loan. Prior to receiving the loan I was not allowed to view the full agreement I 've tried to view the loan agreement at the company 's website but they will not allow me to see agreement I can only view the payment history which. I wish to be released from this fraudulent agreement. I can not phantom that an {$500.00} loan will cost {$2000.00} to repay. This is not a fair deal and I 've been scammed. Since I have already paid more than the amount I originally borrowed I would like them to consider my account paid in full and close my account. I would also like them to make ... corrections to my credit report saying the loan was paid satisfactory.
In  2009, I file d for bankruptcy for  Student Loans since I lost my job. My case was dismissed because you can not file for bankruptcy with the majority being Student Loan debt. This has stayed on my credit report for over 7 years now with no relief. Technically, there was n't bankruptcy on my record since it was dismissed and after 7 years, it should be removed. Can you please look into this for me and assess whether or not this can be corrected? I have paid my Student Loans down from {$60000.00} to {$20000.00} in the past two years. I really would like this off my credit report because it has caused lots of heartache with buying my first  house or transferring credit card debt to a 0 % APR so that I can pay that down faster without any interest. Please advise. Thank you!
We have been a user of the Sam 's Club credit card for a few years and have various annoyances but this was by far the worse. We were approved for a certain credit limit, we made purchases up to that limit and then we paid the balance prior to the due date. Because the payment was large, Sam 's Club credit applied the payment, the money was taken from our financial institution BUT Sam 's Club credit is holding the payment for 7 days. Because we made a large purchase ( and paid for it ) we do not have exce ss credit to be able to continue to use the card. This is a huge annoyance and we will never rely on this card for anything important. Talking with the company did absolutely nothing and all they did was indicate that it is within their 'rights ' to hold the payment. Horrible customer service and horrible mismanagement of an account that has always been in good standing.
I have repeatedly asked for these unauthorized inquires to be removed from my credit profile. Equifax continues to keep these on my file saying they are mine and I need to contact each company. when I called these companies they keep telling me I need to contact Equifax. These are very damaging to my credit worthiness and are inhibiting for me to obtaining credit.
When checking my personal checking statement online i noticed a charge for over {$17000.00} and the explanation was " Business Offset '' I went into Wells Fargo local branch, and found out that it was taken as payment of a credit line for XXXX that I personally guaranteed over 10 years ago. The business is no longer mine. 
I am XXXX, have been for more the 5 years, the money was my social security, and tax refund, and my mandatory withdrawal from my XXXX fund. 
My account is frozen, and I have no access to any statements or documents.
US Bank charged me annual fee for the card and then closed the card after 2 months. 

US Bank refuses to contact me and verify my identity. 

US Bank refuses to receive faxes from me. 

US Bank charged me money for annual fee and didn't provide benefits that I paid for ( upgrade coupons, 20 % purchase discount )
I applied to Suntrust Bank to open an account and i wrote a personal check for XXXX $ as initial deposit on XX/XX/XXXX2016. A few days later account was closed for no reason and up till today i am yet to get my money refunded. i have submitted evidence to suntrust and filed a complaint with XXXX where the check originated and i yet to get my money back since XXXX 2016.
I have been receiving multiple phone calls, sometimes per day. Blocked numbers, spoofed numbers, etc. The agents are dismissive when I tell them that the debt was sent to them in error. I applied for and received a credit card but did n't end up using it for my dental work. I have the receipt for the cash payment. I 've tried calling XXXX XXXX - where the debt seemed to originate - but they say that once the debt has been sold they can not retrieve the information that would clear my name. 

The agents from this company, Credit Corp Solutions, have heard all of this information but do not seem interested at all in it. They repeatedly say that they only want to discuss how I can pay them. If I try to disengage the conversation because I am driving or my children need my attention, the agents will firmly try to keep my attention to their call.
FCRA & FDCPA Violations : 1. Requested proper validation of debt. Creditor provided a copy of an account statement and a computer-generated letter re-stating the same information on the original Demand Letter 2. Creditor is reporting a time-barred debt to XXXX major CRAs AFTER the Statute of Limitations for Credit Card Debt has expired in IL. Last pmt on acct is XX/XX/XXXX or earlier. Creditor started reporting to CRAs on XX/XX/XXXX 3. Creditor has illegally re-aged this account. Creditor is reporting 1st Major Delinquency date as XX/XX/XXXX when the last pmt on acct is XX/XX/XXXX or earlier 4. Creditor is reporting an incorrect Open Date of XX/XX/XXXX. Disputed with CRAs and creditor reported as verified 5. XXXX is reporting that Reported Since and Last Reported Dates as XX/XX/XXXX. Creditor began reporting this acct on XX/XX/XXXX but verified this date with XXXX
I rented a car from XXXX, authorized additional insurance for 5 days then canceled it and XXXX charged my XXXX credit card. XXXX will not reverse the charge. I did not authorize any charges after 5 days.
School : XXXX XXXX University - XXXX GANavient is refusing to reverse late fees they charged on my account when they erroneously reported me as delinquent despite me faxing/emailing my school enrollment confirmation. However, they reversed the delinquent charges but refuse to reverse late payments fees. I have always been in graduate school and have never withdrawn or taken a break and Navient have the documentation to support this.
this was reported once to my XXXX report by national recovery agency. i contacted them and asked the debt by provided in writing and they refused so i contacted XXXX and they researched my account and found it to be correct. i payed them directly and they notified national recovery and it was removed and then rereported to XXXX.
ProCollect keeps calling me and has reported me to credit reporting agency for a debt I do not owe. They can not produce an original bill and the company they say I owe does not exist.
My name is XXXX XXXX. The payment collection of my mortgage loan number XXXX was being serviced by XXXX XXXX XXXX XXXX until XXXX XXXX, 2017 when it was transferred to Dovenmuehle Mortgage Inc. As a result of this change I ended up paying twice the monthly installment ( {$1300.00} ) for the month of XXXX XXXX. One payment was made on X/X/2017 to XXXX XXXX XXXX and the second payment was made on X/X/2017 to XXXX Mortgage. A few days after receiveing this last payment XXXX XXXX XXXX transferred it to Dovenmuehle Mortgage. That 's how Dovenmuehle Mortgage end up with double mortgage payment for the month of XXXX 2017. I have made multiple requests to Dovenmuehle Mortgage Inc. to reimburse this double payment ( for the amount of {$1300.00} ) to  me in a form of a check. It has been two months now since my initial request, and despite I have contacted them twice ( last time talking to an Agent named XXXX ), Dovenmuehle Mortgage has refused to send me a check. Dovenmuehle Mortgage Inc. address is : XXXX XXXX XXXX, XXXX, PA XXXX and their phone number is XXXX. Please help me get my money back as I have no other means to deal with this bank. Respectfully, XXXX XXXX XXXX XXXXXXXXXXXX
on XXXX XXXX 2016 I was contacted by convergent collections. They indicated to me that I owed XXXX the amount of {$100.00} for a modem XXXX claims I never returned. Knowing that XXXX is an unscrupulous Company and having never dealt with a collection agency before I responded by immediately writing a check for the amount of {$100.00} and mailing it to XXXX PO Box . This amount was withdrawn from my checking account on XXXX XXXX 2016 by XXXX. I have requested and received a photo copy of the cashed check which has XXXX XXXX 's endorsement on the back of the check and the confirmation number XXXX. After repeatedly notifying XXXX and convergent collections that I have paid my balance, they refuse to acknowledge receipt of my payment.
I have been a victim of fraudulent activity on my credit. I have a FTC REPORT NUMBER XXXX. For two accounts. XXXX XXXX ACCOUNT # XXXX and XXXX Account # XXXX. Both accounts have been removed and or block by other CRAs. But your company Equifax has lied and stated account verified. How dare your CRA breaks the law and not block these accounts immediately. All Fraud must be remove that is the federal government law. No if and or buts about it. But its not a surprise your company is openly breaking the law. This is the same agency that leaked millions of Americans information. If your CRA does not block these accounts immediately I will be filing legal action against your company immediately.
I pulled my credit report and noticed that Carter Young Inc had placed a collection on my credit report for {$170.00} medical bill from XXXX XXXX XXXX XXXX. I had previously attempted on several occasions to get XXXX XXXX XXXX to acknowledge payments I submitted to them in relation to my account and they failed to do so, resulting in them turning over my bill to Carter Young Inc collections. I called Carter Young Inc on XXXX/XXXX/XXXX and spoke to XXXX XXXX to explain that the balance owed is showing incorrectly and that I would like it fixed and then would like to offer payment to delete it once fixed. XXXX advised me to submit proof of payments made to XXXX XXXX XXXX so he could take care of the situation and update the correct amount for me to pay. As requested, on XXXX/XXXX/XXXX I emailed confirmation of a cleared front and back copy of a check that XXXX XXXX had received from me and cashed and also a copy of my bank account statement showing where I swiped my card in the office for another payment on a different date. On XXXX/XXXX/XXXX I received a reply from XXXX XXXX confirming receipt and that he would forward my documents to his client for review and get back with me. Over 30 days has passed with no response so I sent another email on XXXX/XXXX/XXXX. I still have yet to receive a response..I have also disputed this information online with XXXX twice and they have responded that Carter Young has verified this information to be correct but it is not.
I have told them I would pay them online and they have locked that paying option and are making me call them to resolve this account in which I am not commfortable especially with the first gentleman who called me on XXXX Friday trying to resolve a {$1500.00} debt and not giving a XXXX about anyones ( XXXX XXXX ) expenses. I tell him then I tried to settle the account in a loan and didnt recieve the settlement letter so never got the loan. Calls me Monday, same guy. I said you really think my situation has changed? It was not pleasant. Then they keep calling me today and I am continuing to block their numbers until they unlock the account option to pay online and I will take care of it then. That is my hope in submitting this is to get them to unlock the online pay option and I will make arrangements to resolve the account online within 30 days. 

Thank you.
XXXX has charged me for a balance that I do not owe. I reached out to them and discussed the matter and they told me they would clear out the account to zero. A years later, this account is still appearing on my credit reports and compromising my score.
on the XXXX of XXXX XXXX I tried to make a mobile check deposit with XXXX in the of XXXX dl their mobile deposit kept giving me an error, so I believed the check did not get deposited I than did a mobile check deposit with the same check with Wells Fargo. Than I get and email from XXXX saying that the check had been deposited. I than contacted XXXX banks and notified them of my mistake. They rest asured me that it would get cashed by XXXX of the banks and bounce on the other. The checks bounced with XXXX banks. I than called Wells Fargo and they said since XXXX checks bounced via mobile deposit, that I should take the physical check into a Wells Fargo Branch and re attempted to deposit the check in person on the XXXX of XXXX than on the XXXX of XXXX the check bounced. I also got charged to my account the same check amount, the account acted like I owed for a check never deposited into my account. I filed claims with Wells Fargo the brought my balance back to where it should be and took away all the overdraft fees. At this point I contact the issuer of the check XXXX XXXX they also bank with Wells Fargo, they see the funds left their account on the XXXX of XXXX but never returning. I call and spend numerous hours with Wells Fargo Customer support nothing is getting resolved. I finally went back to my local branch and have been working with Wells Fargo Banker XXXX XXXX XXXX XXXX XXXX XXXX. I met with him beginning of XXXX I brough all my paper work letters I received from Wells Fargo and XXXX. He than sees that I still have the refer to maker check rest assures that check is still good for deposit so I did on the XXXX of XXXX XXXX on the XXXX of XXXX the check also bounces. At this point he tells he is sure its XXXX fault that they still have the funds. XXXX does not Wells Fargo also the says they do not the issuer of the Check says the funds left her account. Nothing is getting resolved I feel very powerless and out the XXXX I worked so hard for. Please help me find where the money is stuck. Thank you kindly.
I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. 


XXXX XXXX Syncb XX/XX/XXXX and XX/XX/XXXX XXXXr autho consumer USA XX/XX/XXXX
My XXXX XXXX date presented to me by my university ( XXXX XXXX University ) was XX/XX/XXXX. I knew that a grace period is granted after graduation to being repayment of the loan. On XX/XX/XXXX I logged on to the Nelnet portal to make the first payment on my student loans only to find that it said my account was past due {$370.00}. I immediately made payment of this amount, then Nelnet reported to my credit report that I was 90-119 past due on my payment. I wanted to dispute this late payment report from my credit.
The Debt Collector called and stated that i owed over {$2000.00} for breaking an apartment lease early it should have been for only 2 months rent. They also keep adding more money to the debt and they are not even the original debtor.
I have been contacted by NCB Management services in regards to a debt owed at work and on my personal line going back to the beginning of XXXX. I have phone recording of all the phone call I have received at my place of employment where I have stated ; 'This is a business line, you can not call here ', more that 10 times, along with an associate of mine who has answered some of the calls. I am still receiving these phone calls at work. The representative who has been contacting me is not interested in when or where they are allowed to call, nor, it seems, the rules they must go by to legally collect a debt. Whenever I explain that this is a business line and that it is 'not okay ' to continue calling here, I just get talked over and then receive more calls. I am filling this complaint because I am now in a difficult position with my place of employment regarding these continued phone calls.
I was not Aware of the interest rate. I was informed I could pay off the balance early to lower my total amount due, but when I inquired about it they indicated I had paid {$780.00} of the {$800.00} loan and the pay off amount would be {$1200.00}. I received email statements, but the interest rate is not listed so I didnt know that monies paid were not going to my principal balance. I feel that the account statements emailed to me should include the interest rate so it can be clear what is being charged. I attached a couple of the emails they sent me if you need to review them. Notice they say no fees and dont have the interest rate listed.
I have loans serviced by Navient and have had repeated issues with repayment processing and unjust penalties being assesssd because of such. I was offered a repayment plan to schedule payments out for 15 consecutive months to bring my account current after a financial hardship. I scheduled 15 payments based off of my expected pay schedule. These payments were scheduled later in the month but my expected payments were due at the beginning of the month. My account was constantly considered past due and was repeatedly assessed a late charge because of that. Aside from the late charges, after 11 payments, my payments ceased to be debited from my account. This caused my account to be past due. When I called to discuss this j was told that my payment schedule had expired even though I had the confirmation numbers to confirm it should have been processed for several more months. I was forced to sign up for 15 more consecutive payments with an " administrative forbearance '' being granted to process the past due amounts and the principal and interest were therefore capitalized and increased my payments by nearly 15 %. After 12 months of the next repayment schedule the payments ceased being debited again and I am now dealing with the repetitive calls. Even more so, every time I have attempted to discuss alternate repayment options, such as consolidation or income based repayment, I was told I had no other options. There is no willingness to work with customers.
My mortgage servicer has added negative remarks to my credit report for a mortgage discharged in my bankruptcy previously serviced by greentree and XXXX.I have disputed these remarks before and XXXX XXXX XXXX agreed and removed them.They have the account discharged but under history they have marked ( late XXXX plus days ) and ( worst delinquency ) '' collection '' .No discharged account can be marked as late or in collection, as per federal law.
My ex-wife obtained pictures of checks I mobile deposited. When questioned how she admitted that XXXX of her clients ( my ex is a XXXX ) works for TD Bank in XXXX South Carolina and obtained these for her. I went to see my local branch manager who was helpful and opened an investigation. I had to close my account and I opened a new XXXX ( I watch it daily to make sure there is no funny business going on ), and I was told my account would be watched for any questionable activity. Meanwhile I had to lay out {$80.00} to have new checks printed and sent to me XXXX day air. This whole mess caused absolute chaos in my bank account and I am just now about XXXX months later, getting back on top of things. Meanwhile because of the mess the banks employee made, I have had overdrawn checks and they have made at least {$500.00} in fee 's off of me.
My PNC Bank account showed that I had money available in my account and let me make purchases using my debit/credit card. My account was then shown to be negative and I was charged a {$36.00} overdraft fee. I complained and told them they should n't have let my card to continue making purchases if there was no money in my account. I was told that either way I would have gotten a {$36.00} fee.
On XXXX XXXX early in the morning, I notified Bank of America that my car had been broken into and my wallet have been stolen. The theft happened at dawn at the gym I attend and as soon as I was done with the Police and returned home I reported to BOA that i have been a victim of identity theft. I requested them to cancel my ATM card and block access to my checking account. The very next day, the thieves were given access to my full account balance and were able to withdraw and overdraft my bank account. BOA failed with their security measures. The thieves use my FL Drivers License and possibly my ATM card. I know this because I talked to the branch manager of the location where the thief made her appearance. Over the course of the past months, I have had numerous conversations over the phone requesting information on my case. I was told than an analyst investigating the case will call me and that calll has never happened. After receiving no response, on XXXX XXXX I submitted via fax a formal letter requesting BOA to explain how they failed to secure my account, implement extra security measures in my new account and make the funds they have frozen available to us, the account holders. I attached to this request the Police Report from XXXX XXXX, proof of my identity and a copy of the Notice to Furnishers of Information provided by the FTC when I file my identity theft report. BOA only responded until XXXX XXXX by email. The notified me that the claim will not be honored and that the temporary credit issued on XXXX/XXXX/XXXX of {$1800.00} will be reversed on XXXX/XXXX/XXXX. I called to ask about all the documentation I submitted on XXXX the XXXX but the documents were nowhere to be found on the case. I immediately resubmitted the documents via fax and certified-signature required mail. I requested to respond within 5 business days. XXXX XXXX and again today, XXXX XXXX I called to check on the status of the claim and the received documents but once again BOA did not have them on record. I had to send them again today ... now for the 6th time. I was told again, that the analyst will call me. As of today is almost 6 months after my identity and money has been stolen and BOA has still to provide an explanation on how they failed to secure my account, failed to follow up on the investigation, failed to follow up on the documents I 've provided and failed to give me a resolution so I can put this behind and move on. BOA is consuming a lot of my time. I am hours away from them taking out funds from my bank account again and zero answers.