WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted Equifax several times over the last 5 five years advising them, I have been an victim of identity theft and several hard inquiries and items have appeared on my credit report that are unknown. I have submitted several disputes verbally, in writing and electronically. I recently sent them several documents proving my identity case. And Equifax has yet to update my account. I recently filed bankruptcy chapter XXXX due to unknown hard inquiries and items showing up on my credit report. And my chapter XXXX case discharged on XXXX XXXX, 2017. I would like to have my report corrected and updated.
The original creditor is  XXXX  XXXX . They charged off a charge account i had with them and sold the debt to  Midland Credit Management (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX . I received a letter from  Midland in  XX/XX/XXXX . The y sent me a settlement offer. I settled with them on   XX/XX/XXXX  for {$200.00}. ( Ac ct #  XXXX   ). I spoke wit h  XXXX   XXXX  ext.  XXXX .  XXXX  would not even report that the debt was paid after the chargeoff to either of the credit bureaus. They also are reporting inconsistent information. They have on my credit report for  XXXX  that the account was charged off  in XX/XX/XXXX , but o n my   XXXX   report it shows payments being made after that date. I deny this activity and request that this debt be removed from all   XXXX   credit bureaus. It does n't even have my full account number on the credit report. I need them to give me validation and i need this debt removed due to inconsistent data and incorrect reporting to the credit bureaus.
I XXXX XXXX and my brother XXXX XXXX were contacted by HUNTER WARFIELD COLLECTION AGENCY ( XXXX ) XXXX, stating that we owe the amount of {$8000.00} which owed to their client, XXXX AT XXXX XXXX address : XXXX XXXX XXXX XXXX , XXXX, FL XXXX. 
I XXXX XXXX and my brother XXXX XXXX no longer live at XXXX at XXXX apartments from the address above since XXXX XXXX, 2015, due to the purchase of my new house and the balance that we owed was zero dollars at that time. 
As the agreement we came on with Property manager XXXX XXXX XXXX on XXXX XXXX, 2015, in finding the new tenants XXXX XXXX XXXX and her roommate to take over the remaining of the lease and all rent responsibilities. XXXX XXXX agreed to tenant replacement and notice letter was given to her on XXXX XXXX, 2015.
Original complaint XXXX, this was not taken care of at all. In fact the phone number listed does not work. Today we found out that XXXX XXXX XXXX aka XXXX sold this debt to XXXX XXXX and that was done on XXXX XXXX 2017. Now we received a debt letter which we received the XX/XX/XXXX, we had no idea what this was for so set a validation letter which was sent XX/XX/XXXX by certified mail, again nothing has been received at all. 
Today I woke up to XXXX XXXX being added to my credit report ( Equifax and XXXX at the moment ) and has dropped my score significantly and I was set to buy a home. The agency that is servicing this for XXXX XXXX is XXXX XXXX where the letter was sent to, when I called them today they confirmed they did get the validation letter and they have the response ready to be mailed but have not yet ( XX/XX/XXXX )  however someone placed this on my credit when I asked for validation. 

Also this debt which is not valid at all and was sold illegally to another company.
I found this item on my credit report and I did not recognize this company and have never done business with this company. I disputed this account with them directly and I have not heard from or received any proof that the item belong too me. I want this item removed immediately because its damaging my credit and my credit score. I am stressed from this situation. This company is violating my rights under the FDCPA section 809 ( b ).
With my Chase credit card I had disputed a charge in XXXX. As per the conditions of a disputed transaction, I was legally not obligated to pay anything for the dispute. During the charge 's dispute period, Chase has billed me interest multiple times as I had not yet paid that amount due to the dispute. This conduct is incorrect, and if I am correctly recall it also is against the law to include and take interest from a transaction in dispute. I have contacted Chase multiple times in an act of goodwill to resolve the problem, but it has not led to any form of reasonable resolution whatsoever. Their customer service is very incompetent and not understanding towards the issue. I have wasted much time and energy trying to correct this problem, and I have exhausted all the ways to deal with them head on. I am contacting this organization to seek help in correcting this issue.
On or about XXXX XXXX 2016 Mid America Accounts Control Bureau began reporting inaccurate information regarding my bank account through XXXX XXXX XXXX XXXX I overdrafted my account and bank had permitted me to settle via a payment arrangement or fresh start program my account therefore was pursuant to FCRA in good standing in as much we had reached an agreement I have NO issue with XXXX XXXX  only with Mid America Accounts Control Bureau innacuratley reporting and still as of today XXXX showing i owe this amount on my XXXX report although XXXX XXXX advised them and they promised they would take it off my report.
Collection agency continues to call, after I have written to them ( 1 ) disputing the debt ( the debt is disputed, and no explanation has been provided, despite repeated requests from me for such explanation ), and ( 2 ) telling them that continued contact was prohibited after such written notice of dispute. They call from XXXX different numbers, to both home and cell phones, 4-5 times per day, every day.
I was working with KEEP YOUR HOME CALIFORNIA about my home mortgage and they requested a mortgage statement and they refuse to send it to me and to me and KEEP YOUR HOME CALIFORNIA therefore I just got call from KEEP YOUR HOME CALIFORNIA that they denied me because of not getting the the document they requested. 
what happened to my case with KEEP YOUR HOM CALIFORNIA is souly SLS fault fault for refusing to send the document needed. 
I need immediate action befor SLS take my home.
I overpaid on my credit card with Bank of America ( i.e. I had XXXX balance but forgot I already paid so I paid twice, resulting in net negative balance ). I then received a returned payment fee for {$26.00} for returned payment despite having sufficient funds in my checking account to pay for this from Bank of America. After much complaining, charge removed but I think this is a predatory and if I had not had paid attention, Bank of America would have made a quick buck.
i have told these ppl time after time that i can not pay. if you are n't working ... .you ca n't pay. it 's not that I 'm trying not to pay i just ca n't and do n't know want to do.
Started receiving calls back in XXXX stating we had an outstanding payday loan that we needed to resolve before they charged my husband with writing fradulant checks where I cut them off and told them that if it was indeed a payday loan it was not a criminal matter, it was a civil matter and do n't try to hustle me. Told them I would call them back in 24 hours and we could discuss. I still received multiple call on XXXX XXXX. Called multiple family members saying they were looking for my husband in regards to a serious matter, continue to contact my mother-n-law even though her number was put into the do not contact website because she just had a XXXX XXXX. Call from XXXX, XXXX, and XXXX numbers. Requested validation of debt on XXXX XXXX, 2015 only received an email with wording from a gmail that said we owe the debt but no proof or attachment of loan documents. XXXX a local County Clerk 's fax number and said they were a process server coming to serve my husband but I could call to make a payment to stop further action. I contacted the XXXX County Sheriff 's and Clerks office and they never heard of the process server and stated the number was a fax number she called from and calls could n't be made from it but scam artists are known to XXXX lines. I have send XXXX requests to the XXXX account requesting proof of the debt and I get no replies ; however I get voicemails left over and over again. Both on cell and work numbers.
By XX/XX/XXXX I was enrolled in a promotional offer with Bank of America expecting to receive a {$200.00} bonus for making {$20000.00} in qualifying deposits to my existing savings account and maintaining that balance for 90 days following enrollment. The full offer has been attached. 

According to the terms of the offer, Bank of America would deposit the bonus amount within 60 days. 

As of XX/XX/XXXX, which is well beyond the 60 days promised, no bonus has been deposited into the relevant account. 

I have attempted to resolve the issue directly with Bank of America through their telephone customer service line on XX/XX/XXXX and XX/XX/XXXX, and through their Financial Center located at XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/XXXX. 

During the XX/XX/XXXX interaction, a representative of Bank of America confirmed that the deposits made to the account between XX/XX/XXXX and XX/XX/XXXX met the qualifying deposit requirement of the offer and that up until the date of the call the appropriate balance had been maintained. The representative opened an investigation ( reference number : XXXX ). 

On XX/XX/XXXX, I attempted to follow up on the investigation with another telephone customer service representative. They provided contact information for the Incentives Bonus Team ( XXXX ) but were otherwise unable to provide additional information or resolve the issue. 

On XX/XX/XXXX, I attempted to contact the Incentives Bonus Team at the number above ; the Bank of America representative refused to discuss the status of my account promotion or progress of the investigation. 

On XX/XX/XXXX, I met with Bank of America representatives in person at their XXXX XXXX XXXX XXXX. The representatives reviewed my account and reached out to the Incentives Bonus Team but again were unable to provide any additional information. 

As of XX/XX/XXXX, two months after the expected bonus payout date, a satisfactory resolution has not been reached.
I received a summons for a lawsuit after I disputed the debt. I had my attorney send a letter stating that I did not owe the debt and why and they responding directly to me, not my attorney. They proceeded in filing a lawsuit directly against me instead of my attorney. They also refused to provide a physical address so they could be served.
Aroun d  X/X/ 17 w e planned an email campaign for  XXXX   XXXX   XXXX      2017.    Time  was of the essence for the promotion. We wanted to try a free trial version of  XXXX  to determine if it was right us. The trial version requires a credit card number, we provided our Citicard. We never received the trial and were simply charged for a years subscription. Although our correct company information was entered, a different account email address was inserted because of some malfunction by  XXXX  's website. This error created a problem so we could not use their service. After explaining the error to  XXXX  support and informing them timing was critical, they were unable to correct the problem. This problem created by their website delayed our promotion and caused us irreparable damage of time and money. We were never able to use their free trial or any other service from  XXXX  because of their error. We asked them to refund the {$710.00} charged to our credit card. Their response was our policy is NO REFUND. This should never have been charged in the first place. We were never able to use their service, and their mistake damaged our promotion. We attempted to dispute the charge with Citicard but  XXXX  denied the dispute, apparently telling Citicard we received something that we never actually received. They offer a free 14 day trial period so even if we used their service ( which we did NOT ) we should have received a refund under the free trial offer. Citicard denied our claim after their review. Their review was apparently accepting the story from  XXXX  who provided no services and simply took {$710.00}. Citicard showed no evidence of how they made their decision and if they would ask for any there would be none! I do not understand how Citicard can simply decide which party is truthful without evidence to support it. On the response from Citicard they had the nerve to accuse us of lying by stating we received the services which we already told them we never received!
I have tried to resolve this with the XXXX but I don't seem to be getting anywhere. Here is an overview of what is going on ... 
XX/XX/XXXX loans were taken out with Sallie Mae. Graduated XX/XX/XXXX. Was making payments on the loans. My mom ( who was the co-signer ) passed away in XX/XX/XXXX. I called and spoke with a representative to let them know she had passed away. They informed me that loan amount owed would be taken from estate. Sent the death certificate and they told me that she would not be removed right away because she had to remain on the account in order for her to be shown as being indebted to Sallie Mae. Nothing happened. They finally removed her from the loan XX/XX/XXXX. I made payment arrangements with them. Navient takes over and they begin to report inaccurate information and seem to have no knowledge of anything. They claimed that I stopped making consistent payments so they charged the loan off XX/XX/XXXX. But from the documentation that I will attach its clear to see that I was still making payments well into XX/XX/XXXX.
Equifax has the wrong date of first delinquency. I missed my first payment with XXXX in XX/XX/2008. This makes the account 7 years old and no longer reportable. I am attaching the account record from XXXX, and a report pulled from a mortgage company as proof of the correct date.
Capital one closed my venture card for no reason, I have always paid my balance within a month. I always use less than XXXX % of the credit that they provide me. They pulled my credit a few months ago to open my account, and now they are closing it and this hard credit check shows on my credit files. 
I had over XXXX reward points on the account that I did not use and they just went away.
I disputed the inaccurate info about the judgement, case # XXXX, with Equifax and XXXX. Both stated the info was correct. However, as noted on the reports Equifax is showing a Paid/Satified date of XXXX and XXXX shows a Paid date of XXXX/XXXX/2013 I have included the excerpts of my credit reports showing how these accounts are reporting
American Express refuses to to listen to us about payment they say we owe the. 
We keep getting statements adding in interest, and it just keep getting higher. 
We owe them nothing, and we have the canceled bank checks to prove it. 
They will not give us a fax number to send them in so they can see for themselves.
I was a XXXX XXXX credit card, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different XXXX employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that XXXX would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that XXXX had reported in 2015 a  charge off. 
I also remember receiving a XXXX from XXXX that I sent to the lawyer regarding the charge off debt.
A promotion for home improvement services regarding deferred interest was promised for 24 months however the credit card company only entered 12 months into its system. Once the credit card company was made aware, I was informed it would take a minimum of 60 days to correct the issue, during which time the monthly payment increased by approximately {$600.00} and there was no guarantee that there would be no interest collected during the 60 day correction period.
I had my wadges garnished in the amount of over {$4000.00} for a fine from district court that was {$1300.00}. The last payment/garnishment was 3 months months ago. In fact they garnished extra and refunded me over {$800.00}. I thought great that 's over. Well this week I get a bill for a remaining {$24.00} that has collected Intrest over the past 3 months making what they are charging me {$250.00}. I called and asked for an explanation and well no answer just run around.
Information has been requested several times from Experian and they are only sending delay tactic and not actually investigating the request. Information was requested XXXX times already. Mailed request the following dates : XXXX/XXXX/2015, XXXX/XXXX/2015 and again XXXX/XXXX/2015. 

Proper documentation was submitted as per their guidelines.
I obtained a HELOC account with bank of America for emergency reasons. For the past several years I have borrowed and paid off account on several occasions using information on B of A online banking screen without any problems. I make payments through instant transfer between my accounts at B OF A. On XX/XX/XXXX I made a payment on amount owed of XXXX since then the account shows XXXX balance. Today I noticed an account notice for my HELOC account which indicated the following. 
Payment due by XX/XX/XXXX {$56.00} Past Due amount XXXX late charges XXXX Estimated Payoff XXXX XXXX. If my account reads XXXX balance and no payment is requested how I'm I suppose to know I need to make payment. 
2. If I made a payment of XXXX ( full amount ) 0n XX/XX/XXXX, how can I possibly be late on payment XX/XX/XXXX. 
3. How can I possibly ever pay this off with all this silly and charges and estimated pay offs if every time I think I paid off account hidden charges appear. 
4 Why I never had this problem before paying the balance on my HELOC account the exact same way I did in XX/XX/XXXX. 
I want CFPB to help me get this account paid off as I see no way I can ever pay it off.
Bank of America says I have " residual interest due '' even though I paid the account on time, by the due date, in full. How is that possible? Although the amount is nominal, it is the principal. How can the " balance '' NOT BE THE BALANCE DUE???? When I questioned why I had a balance, I was told by the rep that it was " residual interest ''. I paid the amount because I don't want my credit to be destroyed over this amount. I want BOA censured or whatever it takes for them to stop ripping off the public.
HSBC bank has been stealing money from my account for more than 3 months. I filed 2 complaints before with CFPB. Based on HSBC statement, the hacker ( inside of HSBC ) still stealing my money, because I could not access my account, all my accounts has been suspended since XX/XX/2018. I have never received respones directly from the company. I made many phone calls, they refused to serve me. As matter of fact, I called today, XXXX asked me to go to branch. I have been branch many times, they wanted me call HSBC customer service. I called XXXX XXXX XXXX ( vice president ) several times, left messages on her answering machine. She never called me back.
I have had my vehicle for 3 years and dealing with Chrysler capital has been nothing short of disastrous. Instead of processing their own payments they use XXXX XXXX which repeatedly screws up payments. I specify that the payment come out of one account and instead these people put the payment through on the wrong account resulting in me being charged hundreds of dollars of overdraft fees. To top it off they then make it so I can only pay via debit card and then charge me a fee to screw up the payments. I am so disgusted with this company that I am looking at ways to refinance my car to get away from this company but now because of their inability to process payments correctly my credit is probably going to be negatively impacted. Not to mention that they repeatedly harass my elderly father instead of calling me and are going to mess up his perfect credit.
I made a   XXXX   dollar deposit to my sister 's bank account in   XXXX   on   XXXX   XXXX  , 2017 but when I contacted her to inform her she told me that that bank account had been closed on   XXXX   XXXX  , 2017.
She went to the bank and tried to reopen the account to collect the money and they said that it was not possible to do that the money had been returned to whoever sent it and now neither the bank in  XXXX  nor the company I was with whom the sending was made They want to make them responsible for delivering the money.
The company vigo says that in its system appears the money paid and that expect a response from the bank but have spent 2 weeks and do not give me any solution to the problem if not to keep waiting.
I thank you in advance for the help you can give me.
Portfolio Recovery Associates is reporting on my XXXX credit report and for the amount of {$410.00}. This item is not mine.
I have a collection from an apartment complex on my credit report that is not mine. I disputed it with both the credit bureaus and the collection company and its still on my credit reports. I would like this account remove from my credit reports asap
In XX/XX/2018 I disputed an inaccurate account with all three credit Bureau. XXXX Transunion and XXXX ... I disputed that the account is reporting inaccurate but all three credit bureaus replied back that the account is verified. Well I look at all three credit report with XXXX,, XXXX, Transunion,,, and the account XXXX is reporting inaccurate and missing information,,, XXXX is showing the account to be charged off with a monthly payment {$6.00} dollars how can a charged off account be showing a monthly payment. 

With Transunion Credit report the XXXX account is showing to be sold to another lender ... so how is it that XXXX showing a monthly payment of {$6.00} dollars on a charged off account that's sold to a outside lender,,, only the lender is supposed to show the balance and payments if the account is sold per Transunion report,,,, these report are all showing inaccurate information and they are missing information and not reporting 100 % accurate per the FCRA please delete from all three credit bureau, XXXX Is showing a monthly payment of {$6.00} dollars on there report,,, but it doesn't show the account to be sold to a outside lender ... so why are these credit reporting agency showing inaccurate information.. 
Transunion is showing its sold with XXXX monthly payments,,, sold to another lender XXXX is showing charged off with $ XXXX monthly payment this account cant be sold and showing monthly payments on a charged off account,, delete these from all three of my account,, they are not reporting 100 % accurate information., information is missing they need to delete it,, I have copies of all three credit bureau report on this alleged account that's reporting inaccurate,