WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/15 I viewed an account alert from credit check agency, phone # XXXX XXXX, they list the following : XXXX/XXXX/15 XXXX is Experian the company name is : XXXX XXXX. Payment Status : Collections in the amount of {$680.00} their address appears as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX
Hi, I filed a dispute with Chase in XX/XX/XXXX, for a {$1500.00} ( XX/XX/XXXX, reference # XXXX ) charge to my credit card.

I received a message from Chase.com stating that they would work on it. The message further stated : " If we make any adjustments to your account .. You'll also see the adjustments on your billing statement. '' On or before XX/XX/XXXX Chase agreed and credited my account ( adjustments ).

I have snapshots of my account dated XX/XX/XXXX, that show the XXXX XXXX transaction for {$1500.00} was credited back to my account. I also have a snapshot from the Chase.com website stating " There is no amount due on this account ''. It also showed my balance was a negative {$1500.00} on XX/XX/XXXX. Several of these snapshots are attached ; including one of my XXXX statement showing my current Balance as {$310.00}. 

Then on XX/XX/XXXX the transaction was re-posted to my account for {$1500.00} ( XXXX XXXX ) as if I had walked in and physically used my credit card. I did not! Nor did I make any transaction or payment online with them in XXXX or XXXX. I have not been to this place ( XXXX XXXX   ) since XX/XX/XXXX, before I disputed the first charge. This is a second charge which is even more fraudulent than the first one.

In a XX/XX/XXXX letter Chase says that I waited too long to dispute the XX/XX/XXXX charge, but incorrectly calls it the XX/XX/XXXX transaction, which they had already resolved/credited. I have not had any other services with XXXX XXXX. So if this is the same charge resubmitted as another transaction it is fraudulent. 

Either way the time issue/error is Chase 's. The complaint was in XX/XX/XXXX. Their XX/XX/XXXX reply saying it's been too long is their error. Just as I have to bring the issue to their attention within 60 days, they also have a limited amount of time.

Additionally, it was already credited back to my account!

Thank you for your help resolving this error. 

Sincerely, XXXX XXXX XXXX
I am being called from multiple XXXX numbersXXXX numbers, etc. I know they are credit corp solutions and they call XXXX times a day. I am also getting extremely ticked off that they have been calling me after XXXX at night
I received emails from Capital One stating that my payment had posted. The payment was never posted and the funds had not been taken from my account. The representative on the phone told me that they send them out to avoid any " Late payments. '' Unfortunately this caused me to have 2 payments returned. I sent another payment for {$110.00}, received an email that informed me that the payment posted, I called the following day trying to find out why it had not been posted on my card so I had the available credit ( because I needed it ), and my bank was n't even going to release the funds for another 3-4 days. I did not even have a payment due!!! I was making an early payment. Because I could not wait another week for the funds to be available and because no payment was due for over a month, I decided to take the funds so that I did n't have to wait so long. I could make a payment in a week or two and be fine. Capital One just decided to close my account. This is a secured account. I really messed up my credit in the past and this was my first step in trying to repair my credit. Now I have this account on my credit report that says, " Closed by creditor '' and was only 2 months old. Considering that I received emails saying my payments were posted, I wanted Capital One to either reopen my account, or change the reason why it was closed, as to not have another negative impact on my, already negative, credit report.
I placed an order online with XXXX. The order was for 3 items. The charges posted to my account and were processed. And then showed up a second time in the pending transactions the following day. When I contacted SunTrust I was told the pending transactions would be removed from my statement. Now they are saying that they are going to charge me for the pending transactions, that they removed. Those transactions where not initiated by me or XXXX, and were SunTrust 's mistake in the first place. They should not be able to charge me for a transaction that I did not initiate. XXXX has stated that I only ordered the three items once, and that they where paid for them. Thus, SunTrust should not be able to remove an additional {$57.00} from my account a second time. I will attach statements from both XXXX customer service and SunTrust customer service, and a copy of my bank statement to this document. 
Kind Regards, XXXX XXXX XXXXXXXX
XXXX initiated funds transfer upon account closure ( acct # XXXX ) to XXXX saving account # XXXX on XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. Hence, as per Barclays, the incoming funds were rejected and sent back to XXXX on XX/XX/XXXX using  tracing # XXXX. XXXX says that they did not receive the rejected funds from Barclays and the tracking number provided is no good. Contacted Barclays many times but no one was of any help
A credit bureau is required to respond and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. I faxed a dispute request to Equifax and XXXX on XX/XX/2018 and have not received any correspondence from them regarding my disputes, Due to the failure of XXXX and Equifax 's failure to respond the negative items that I have sent confirmed fax on XX/XX/18 must be deleted.
After checking my credit report I found XXXX accounts that I did not open. I contacted the institutions involved and informed them of the problem. I contacted the local police and opened a complaint. I received a case number. My adult son opened these accounts while he was living in my residence. He has since fled to California. 
He restricted phone and mail access to cover what he was up to. 
He also opened a XXXX XXXX account, but when I contacted them they refused to cooperate and threatened me with collections.
In  XX/XX/XXXX  I attempted to refinance my mortgage with  Navy Federal ( th e current lender 4.25 % fixed ). I was first quoted a rate of 3.25 % on a  XX/XX/XXXX , after passing first round of underwriting they changed the rate to 3.25 % plus 5 % ( discount/orig ), they then order an appraisal ( I paid {$650.0 0} ). The  appraisal came in lower so they then raised the rate to 4.25 plus .5 % points.  <P/> After pointing out the stupidity of their offer they reduced the rate to 3.65 % provided I pay {$11000.00}.  <P/> I am a federal bank regulator, banker, and real estate pro . - Navy Federal has  no business lending. They have utilized a " Bait and Switch '' marketing.  <P/> Please investigate this matter.  <P/> I am seeking a repayment of my appraisal fee of {$650.00}.  <P/> Thanks,  XXXX   XXXX
There are multiple layers of issues with this account that start with it being opened without my knowledge. 

Once the account was opened and I was aware when the collection process started. Multiple requests for copies of lending documents, application documents and supporting authorization were requested however QuickClick responded that I needed to register online, which I did and no documents were available. I went back to the lender and requested again and was told these were in archive an were not available. They indicated they would take me to court for various charges including wire fraud, and I provided all current contact information. Nothing materialized except further collection threats. At one point a settlement was requested due to the 96 % interest rate increasing the " payoff '' well over 20K however they said to send in XXXX and the rest would be cleared. QuickClick refused to put any settlement in writing. 

It has now been nearly 7 years and the account should be coming off my credit report as I am preparing to buy a home. However QuickClick is now falsely reporting the payment history. This account has had no activity since XX/XX/XXXX. Therefore the account would have gone 180 days delinquent XX/XX/XXXX. Unfortunately this company is now falsely reporting the payment history on this account by updating the payment month that is exactly 4 years ago to XXXX from XXXX  forcing my credit score to drop due to what appears to be recent account history. Each month I watch my score increase to over 600 and then when they report this updated payment my score then drops to about 570. 

I do not own this account and the lending company has been unable to provide any documentation.
I received a late payment notice for non-payment of my XX/XX/2018 credit card bill with US Bank/XXXX XXXX, although I had made more than the minimum payment. The company mis-posted that payment to XX/XX/2018, although I had already made more than the minimum payment in XX/XX/2018 on the due date.
I received a copy of my credit report and it showed inquires that I do not recall authorizing. I understand that an inquiry should n't be allowed on my file unless I authorized it.The unauthorized inquires are attached and have been highlighted.
For all practical purposes, tdautofinance makes it impossible to make payments directly to principal ( extra payments for that purpose ). On my first attempt, i mailed the payment with the notation on the check AND a detailed instruction on my desire to apply it to the principal. this never happpened. after several calls ( LONG call waits -- more than an hour before i got through ) they said 'no one reads notes with the payments -- just call us next time ). eventually this did get applied to principal ( with MUCH work ). I recently attempted to make another extra principal payment. I called them ahead of time to tell them I was going to do it and submitted in online while on the phone. They said they would take care of it, but for good measure, i used their website to message them about the phone call i just made, restating my desires to make a PRINCIPAL payment ). A week later, it 's evident that this money was not applied to principal, but to more than a year of payments. this is messed up. I believe this is a deliberate effort on the part of this company.
THEY WENT IN MY BANK ACCOUNT WITHOUT MY AUTHORIZATION. I had a credit line with paypal. Before the account went to collections they tryed to do a ach payment that i did not authorize, meaning they went in to my account without my permission. The bank rejected the request that pay pal attempted. The reason I know they had my account # is because paypal 's representative told me the last XXXX. An she also told me that a representative probably tried to run it after i told one of them not to. I only put my card number on there site. I never linked my bank account number.That is dangerous. so I just gave them my card number. Some how they got my account number.Not only did they do that they told me the amount was due on the thirteenth but attempted the ach on XX/XX/XXXX .To my knowledge that is illegal. The way this whole thing is going is predatory lending. I have received many calls some of the calls back to back on one of those calls a representative was yelling and screaming at me after i told her that I set a payment for two weeks later .I will never ever work with pay-pal ever because if i had money in that account they would of taken it without consent.They already have a class action lawsuit against them as we speak. So at best they are Shady.
XXXX has XXXX XXXX XXXX on my credit file and I don't owe or had any loan or debt with this company and have nor ever received any letter or nothing from this XXXX XXXX
I used a credit repairing agency called XXXX XXXX to clean up some items on my credit report that were dragging my credit score down after my bankruptcy. They dispute an item with a vendor called XXXX XXXX cause there was a late payment on my file which was valid but they disputed it anyway and the credit reporting agency Transunion removed the account from my credit report. I have been going back and forth with Transunion and XXXX XXXX to get this back on my credit report. Transunion keeps stating that XXXX XXXX needs to contact them to have this added back on to my account. I spoke with XXXX XXXX on XXXX/XXXX/2016 spoke with XXXX who stated that they show my account is reporting to Transunion and XXXX. We contact XXXX and they show this account reporting. Previously on XXXX/XXXX/2016 I pulled my Transunion credit report and did not show this account reporting. When me and XXXX XXXX attempted to contact Transunion via XXXX way to resolve this matter they stated they could only talk to me and so when I talked to them they once again stated they do not show the XXXX XXXX account reporting and that XXXX XXXX would need to contact Transunion marketing department to have them resolve this matter. This morning I contacted XXXX XXXX to tell them what I was told and spoke with a Supervisor in the Escalations Department who told me the investigation is closed and that there is nothing more they can do. I 'm trying to purchase a home and need this account to be reporting for credit sake. Also Transunion refuses to work with me on this matter and also another matter inregards to my car loan. I have a car loan with XXXX the issue was since I filed bankruptcy it was reporting closed and part of bankruptcy. I disputed this item and Transunion removed it from my credit report. XXXX has contacted them and we have both sent papers in writing stating that I reaffirmed the vehicle and that the account should reflect active open with no late payments and reaffirmed. Please help I have been dealing with this matter for almost a year and a half and have no where else to turn. thanks
Navient refuses to answer questions regarding payment plans. I have records of several e-mails where Navient 's only response is to " call them '' but then when you call in, there is no accountability for what is said over the phone. Navient has made absolutely no effort to work with me, a professional in my field with a credit score of XXXX, and instead has pushed me to look into options of bankruptcy as their current payment per month would quickly force me to choose between paying my mortgage, or paying my student loans.
We have been trying to get a loan modification with Chase Bank since XXXX XXXX, XXXX. We asked for a loan modification and a reduction in principal since we have been paying a interest only payment from XX/XX/XXXX through XX/XX/XXXX. They would not work us at all, however in XXXX Washington Mutual who was the original lender assigned the deed to Chase even though Washington Mutual went out of business in XX/XX/XXXX. We are asking for a reduction in principal and forgiveness as we can not afford the payments on this XXXX mortgage / heloc. We are asking for relief and help in this case.
On XXXX XXXX we received a letter from BancorpSouth stating that our loan will mature on XXXX and that they will not renew the loan. They are requesting payment in full for the balance of the loan by XXXX ( {$150000.00} ). We would not be able to do this. Our copy of the loan shows the maturity date to be XXXX and the loan number on our copy is difference from the XXXX on the letter we received. 
This loan is for XXXX commercial buildings in XXXX, XXXX XXXX
This is an XXXX account that is 13 years ago that is no longer on my credit report, but Midland Funding has this account using false information calling it XXXX which is wrong, trying to collect on a 13 year old debt my credit have suffer from not having the money to pay XXXX when my job had close down. Midland have file a case with XXXX County Courts on XX/XX/2014 and this case was close. The account number is XXXX and the Docket # XXXX.
My husband and I attended a XXXX XXXX XXXX timeshare owner 's luncheon on XXXX/XXXX/16. We were presented the opportunity to apply for the XXXX XXXX XXXX Credit Card where we could earn statement credits toward Diamond transactions ( like the annual HOA fee ). We were told there was a special offer on the card for 0 % APR for the first 6 months billing cycles, then it would go to 15.24 % after that. We applied and were approved and given a " Credit Card Cardmember Account Summary Initial Disclosure '' with all terms and conditions including the 0 % APR for for six billing cycles and then 15.24 %. This printout is time stamped with XXXX/XXXX/16 XXXX ( attached ). I just reviewed our XXXX statement and realized there is no initial 0 % APR and the interest rate is listed as 15.49 % ; which does n't even match the initial disclosure we were given. In fact, the cash advance APR from the statement does n't match the disclosure either. We are still within the first six months of our billing cycles so no interest fees should be charged to us yet. We feel completely duped and a bait XXXX switch situation happened to draw us in to apply for the card and then we received a completely different product.
My husband and I looked at American financial for a fha home loan. During the initial process the numbers they quoted us was not what they presented to get us to sign but they had greatly padded the loan and all number were much higher. We went with another lender and informed American financial. The second problem came when they drug their feet on transfer of the fha case number to our new lender and after all this they emailed us a bill for {$500.00} for the appraisal when we paid for our appraisal with our current lender. We never signed a letter of intent with American financial and yet they billed us anyway. We did not sign anybody the documents they tried to get us to sign. when we complained to them and told them we were not paying them any money they told both my husband and I different stories of what happened saying it was an automatic process that the appraisal fee was generated because it is attached to the the case number but we took our business to another lender and they had no right to bill is for work our lender is doing. We contacted them repeatedly telling them that we never signed a letter of intent and they knew we had chosen another lender. Why are they monitoring our loan with another lender and trying to bill for work our lender is doing and that we have already paid for.?
I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several  years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.
I have received at least 4 phone called from Pinnacle credit services. On every phone they say they have sent me a statement letter or statement they ask me to verify my address which I do but tell them I have not received anything from them they said someone was probably checking my mail. So I told them on a phone call to send it via email have them the email and had them call me back that day so I could tell them I received or did n't. Which I did n't received anything via email. They said they were going to mail it out again and email again. End of phone call. The next time they called I told them look I 'm really want to settle the account but I need a letter stating my acct will be cleared after they receive payment and they will no longer contact me for the remaining balance or sell my acct to another collector. They sent me to the manager who was very rude. And said they could n't send a letter stating that until payment was received. I told him look I 'm not about to pay something I have no record of your collecting agency, for all i know you could be stealing my information and money. He said they was the company and that i could look them up on google. i told him to send me a certified letter so they are price I received the statement. He said they were n't going to do that. I do n't see why they would n't send a certified letter of I 'm willing to settle the account unless they are a shady collector or false people wanting to scam.
I co sign a private loan with Wells Fargo, I have paid over XXXX, XXXX towards the private student loan. Out of all the money i have paid I still owe more that what the initial loan was for. The loan was for XXXX and I owe XXXX. I have paid over XXXX. The loan was taking out XX/XX/XXXX. I started repayment XX/XX/XXXX. This is unfair to how much interest I 'm paying and nothing is being applied to the principle balance. They will not allow me to lower the interest rate after several attempts.
I have so many information in my credit report such as names and employment and I have contacted and requested dispute to Experian but they never helped! please help
My complaint is against TransUnion. In XX/XX/XXXX, I noticed the account types had been changed for two of my paid off accounts. Though the accounts were paid off, a change in the account type from an installment to a revolving account with a XXXX balance would make the account count against me. These accounts had previously been reported correctly and had been paid off long before this arbitrary change was made. So, the merchant did not change the account type after it was paid off. Transunion made this unauthorized change. 
I requested that the account types be changed back to the appropriate type. Additionally, I made a point of telling them NOT to remove my good accounts from my credit profile- and yet they did it anyway. Transunion also removed a second good account, my federal student loan, which left me with a credit report skewed towards negativity. This is a common practice with the credit reporting agencies, some more than others. Transunion is notorious for it and I am requesting that they not only reverse the harm that they have done to my credit, but that they are monitored, regulated and occasionally audited in the future. 
This sort of permissible behavior contradicts the fair credit reporting act. If this Act is in fact legitimate, then I want to see it enforced! Credit reporting bureaus have far too much influence on consumers ability to enjoy the basic freedoms that are supposedly endowed to us as US citizens to be allowed to operate unchecked and unregulated. 
Enclosed you will find files containing a copy of the two accounts : XXXX XXXX and XXXX XXXX XXXX as they appeared when last reported correctly. The receipt of the complaint filed for not only those two accounts, but also XXXX XXXX ( XXXX ), which was also erroneously reported as being included in my bankruptcy. A copy of the results is also attached. A 2nd file shows all of the good accounts, most of which you will not find in the 3rd file, which is the last credit report that I requested. The cover sheet in file # 1 will show that I have been in Transunions file since XX/XX/XXXX, but strangely there is not a handful of good accounts on my credit report. Something is very wrong with this reporting system.