WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax is reporting a fraudulent account on my credit report and as refused to remove. XXXX Bank is reporting XXXX same account two times which is against FCRA as you know, obviously XXXX Bank does not know that. I have submitted accountable documents to Equifax to support that this XXXX same fraudulent account from XXXX Bank twice, account number XXXX and XXXX Bank XXXX XXXX account number XXXX. This XXXX Bank account is not my account. I have never signed or had any affiliation with this account. I am now submitting a notarized letter from XXXX XXXX which she is the party responsible for the account and I am asking for the immediate removal of them from my Equifax report again. Again, I am asking for the immediate deletion of this fraudulent account which is reporting two times. I have submitted uncountable documents to support that this account does not belong to me and I should not have to result to legal representation for removal of the fraudulent accounts. I am attaching a notarized document from XXXX XXXX acknowledging that this debt belongs to her not XXXX XXXX. I have already faxed Equifax on numerous occasions a copy of my birth certificate and social security and recently faxed again on XXXX/XXXX/2016 and XXXX/XXXX/16, proof of residence along with other supporting documents to fax number XXXX and I resent again to XXXX XXXX at Equifax at fax number XXXX so it is no reason for Equifax to respond saying that they require this information.
I had an account with XXXX that has been sold to a company, this account has been re-aged I have the original last bill and the dates are not the same I have asked multiple times for the creditor and the credit agencies to remove this and they have ignored my multiple attempts to have this corrected and removed from my credit
X/XX/2017, account was down to {$50.00} or so. Had an automatic transfer for {$100.00} scheduled to go to my savings and 2 small bills to pay. Bills got paid, account down to XXXX bucks. Transfer went through. Called Bank of America, said it 's still processing but also told transfers should n't happen with no money to transfer, which has happened in the past. No money usually means an automatic cancellation of that months transfer. Phone rep are no help, just getting the run-around.
Citibank illegally reaged my account. Citibank misrepresented the date of first delinquency, and also misrepresented the date that my account charged off when they sold the delinquent account to XXXX XXXX XXXX XXXX XXXX ( XXXX ' ). 
The Citibank record no longer appears in my credit reports because Citicards is aware that the delinquency occurred in my account more than 7 years and 180 days ago. However, in their sale to XXXX XXXX, these dates are misrepresented, thereby XXXX XXXX reported the collection account in my credit reports ( XXXX, XXXX & XXXX ). 
I am requesting Citibank to immediately provide me the following items : Please provide the following regarding these account numbers:1. Date of first delinquency leading up to account charge-off2. Date of charge off3. Complete monthly statement history from account XX/XX/XXXX to XX/XX/XXXXPlease note that this case is being forwarded to the FTC. Please reply in official Citi letterhead.
Step 1 : What is this complaint about? Violations of Rico Statue and State Usury Laws Step 2 : What type of problem are you having? 3rd party debt buyers elicit attempts to collect assumed debt as defined by law Step 3 : What happened? Debt buyers are failing to justify full collection of debt assumed. 

Step 4 : What company is this complaint about? THE FOLLOWING 3RD PARTY DEBT COLLECTORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Step 5 : Who are the people involved? Engaged each party individually to validate debt owed in XX/XX/2018. 

Summary compliant : 3rd Party Debt Buyers 1. Recourse is allowed under the premises the Debt Buyer has assumed total collection authority to recoup original amount owed although assuming the debt at a fraction of the cost. 
a. Debts are purchased as a portfolio of bad debt t ( > 7 % of the original debt owed ) b. A maximum of twice the usury rate can be collected per Federal law i. 27 % interest rate would be permissible in Delaware, as defined by the states usury laws. Midland, as a 3rd party debt buyer to a national bank, was not allowed to charge interest exceeding 27 % without a banking license c. I am now liable to a new company for an old debt. This included my portion of my debt plus collection expenses incurred 2. Without the 3rd party debt buyer pursuing a court action, no justification of the expenses can be made, surmounting to racketeering, reporting debt to all credit bureaus with an attempt to collect usurious interest. ( RICO Statue ) 3. Usury rate of 800+ % over the acquisition price of the debt, if no legal action warrants the full collection amount pursued. 

I am asking 3rd party debt buyers to justify expenses allowing for full collection of the debt incurred. In addition, Im also questioning, if a Debt Buyer has collected an amount greater than twice the usury rate over their acquisition price from other debts in the same portfolio, what justifies their continued pursuit. They would have made their money as they are legally entitled to do. 

Please investigate this matter further
XXXX XXXX XXXX is reporting on my credit reports after it was agreed upon to pay and delete. This debt was paid in 2016 and still showing on my credit reports.
Bank of America charged me 2 overdraft fees and it was there overdraft fee that actually took me over the limit. This bank continues to charge me several fees when it is only 1 charge that takes me over the limit. How exactly does that happen. I am working 5 different jobs and do n't have any  funds to just give away.
I WANT ALL 4 CREDIT BUREAUS TO LISTEN TO ME REGARDING ALL SECURITY ALERTS AND CONSUMER STMS.
This card is XXXX and is essentially a XXXX card and issued by Commenity Bank. I got it when I needed XXXX  XXXX. It has special promotion that gives 24 months in which you make continuous payments of at least a minimum amount and if paid off in full by the end of that time then you owe no interest. If you do not pay it off during this time or miss monthly payments then the high rate interest is added to your account. My payment was due on the XX/XX/XXXX and I did make the payment on the XX/XX/XXXX for more than the minimum amount. For months I have had issues with website making payments and they have an early time and when I finally got in the website there was hours left of the XX/XX/XXXX but the payment date refused to allow me to post for anything but the XX/XX/XXXX. I tried to call before posting the payment and got a message we are closed call back during business hours. I didn't want to delay payment so I made the payment and immediately emailed them explaining the issue asking for the late payment to be waived and I got a message back it was waived last month and that it will not be waived again. I messaged them back asking for corporate information and explained that I have had issues for months with trying to pay the bill and have asked for tickets to be put in but I have never gotten a call and got a message back saying there are issues with the website where sometimes you cannot access it and make payments if using XXXX  and they would not waive the fee and future use another browser. I replied back saying that if I had been told this months ago there would be no issue and it would have fixed it and that due to the known issue on their part the fee should be waived and also the website should have a disclosure to tell people so it can prevent this from happening. I am still getting a refusal to waive the fee. I called corporate and the person that took the complaint said she understood the issue with XXXX and agreed she had personally experienced issues and she would research and see if someone could call. I got a call and they said that they forwarded it to the bank since the bank handles the card and XXXX has no access. I told her this was unacceptable putting it off and back to customer service and she hung up on me. I am asking the $XXXX fee be waived and if they cannot fix the issue for accepting payments from XXXX  that a notice be included on their website that stops others from being charged all these access fees as they know most people won't continue to fight or take it to the government for review since it seems like a ploy by them to get extra money and look for reasons to charge all that high interest building up that they lose when balance is paid before 24 months is up.
I have disputed with the 3 major credit bureaus on more than 2 occasions regarding the hard inquires listed below. I was as victim of identify theft and none of these creditors had my permission to run my credit : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX IInquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX   Inquired XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX In Inquired XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX 's Inqiured XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX   Inquired XX/XX/XXXX
Ok I have alot of things on my credit because someone stole my information an I made a police report 3 years ago this stuff that 's own my credit is because someone stole my identity an I need this removed so that I can get things I wo n't
Called Nationstar mortgage back in XX/XX/XXXX to do a payment plan due to financial situation I was told as long I am on a plan paid on time no problem..Hurricane Irma hit so I called to check on my status the young lady that took my payment charge me a process fee which made my acct negative reversed my payment in XX/XX/XXXX which messed me up. When I called now NSM now Mr. Cooper the customer service rep called my bank which did confirmed I had the exact amount but unfortunately I did not have the additional service fee that was charged that is why I was charged a NSF fee which declined my payment. Mr. Cooper representative stated I was not supposed to be charged the amount the bank due to their error they reversed the amount and took the payment right than there. Since the hurricane they were offering assistance I was told I am eligible since I live in Florida how much can I pay I told her {$500.00} she said we can do it for 6 mo I said up to XX/XX/XXXX would be fine. I called to make my XX/XX/XXXX payment the rep stated you owe XXXX I was astonished I was not told he indicated that the investor can not put any payment behind the loan. I told him you did not say that when I made the payments before well maam I am sorry to informed you that is what the investors are needed at the moment. When you offer a payment plan or some sort this information should have been told to me in the beginning stating that ok you will have to do a lump sum I lost three vehicles during the storm from flooding that is not fair that you are trying to charge this should of been disclosed. He indicated this was a trial policy was not put into place I need this resolved and I was told oh by the way since you did not make payment on time in XX/XX/XXXX you was not eligible for modification program excuse me that was due to your error. I need answers please somethings need to be done.
This is XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX WI. We have XXXX cd 's representing XXXX clients that have irrevocable funeral trust agreements with us that Chase Bank, XXXX XXXX XXXX XXXX, XXXX WI has sent the funds to the WI Unclaimed Property. We have made an effort with the Unclaimed Property people and they say Chase Bank has to file paper work to recover the funds back to the bank. The people at Chase Bank are unwilling to cooperate with us. 
Is there anyway you can encourage them to cooperate. This is not fair to the families that have entrusted Chase Bank to safeguard their funds for their funeral services. 
This whole issue has happened with our funeral home and Chase Bank in the past. This is the first time they refuse to assist. They evidently no longer wish to have irrevocable funeral trusts.
I have recently been alerted to a collections account added to my credit report. I received a phone call from a collections agency at the end of XX/XX/XXXX informing me of this account and telling me that I owed {$110.00}. I told the agency, I have no knowledge of this account ( as I have not received any billing or invoices ) and to please send me written verification of this account. I then proceeded to contact XXXX XXXX and asked to speak to the Manager on duty ( I believe XXXX an Asst. Manager ), he then proceeded to inform me of late fees and return fees that I have been assessing  for the previous months and told me I would have to speak with the GM as to any resolution. I was told that the XXXX would contact me the next day ... I have been unable to speak with this person since ( about a week ). I have still not received anything in writing from the company in question or the collections agency verify this debt at this time ( XX/XX/XXXX ). 

My chief complaint : I would like to understand how a business whose main point of advertising " no contracts '' is holding my credit score XXXX on a contractual premise that I owe them money, which was never billed or disclosed to me until a phone call from a collections company. I understand that business protocols take time to be established and oversights happen, but the sheer amount of similar complaints I have recently read in the BBB, XXXX reviews, etc. are all pointing to illegitimate and unfair business practices. 


FIRST CREDIT SERVICES Last reported : XX/XX/XXXX Balance {$110.00} Highest Balance {$110.00} Opened XX/XX/XXXX ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX
On XXXX XXXX of XXXX, we were officially enrolled in a debt management program administered by XXXX XXXX XXXX XXXX see attachment 1 ). 

Under the agreement, XXXX is authorized to withdraw XXXX once a month from our checking account to distribute to the credit card companies who agreed to the terms of the proposal made on our behalf by XXXX. 

For the most part, enrolling in the XXXX XXXX has been one of the best financial decisions we have ever made and after participating for just seven months we feel we are making real progress toward our goal of being debt-free within five years. 

However, we are experiencing an ongoing issue with one of the credit card companies, American Express, who since accepting the proposal from XXXX has treated us in a manner we would describe as unfair and unethical. 

We say that for the following reasons : 1. On several occasions last summer ( see attachments 3 & 4 ), I contacted the company in an attempt to request they remove the delinquent status. 

2. Despite efforts on my part with assistance from XXXX, American Express was non-responsive to my requests to remove the delinquent report and stop reporting me as late. 

3. I recently discovered as a result of being denied a loan for a replacement vehicle that American Express is now reporting the account as being charged off, which is both inaccurate and unduly punitive. 

This action not only negatively impacts our credit report for five years at minimum, it creates the false impression that we simply walked away from our debt to American Express. 

The basis for my request to the company that the negative information be removed, as well as this complaint, is the fact that at the time the company accepted the proposal from XXXX, my account with American Express was in good standing with a history of on time payments ( see attachment 5 ). 

Furthermore we contend that if not unlawful, it is at least unethical for American Express to report the account as being charged off while at the same time continuing to accept monthly payments from XXXX per the proposal agreement ( see attachments 6 12 ). 

Like our payments to American Express prior to enrolling in the XXXX XXXX, these payments have always been made on time. 

Lastly, in my final attempt at resolving the problem directly with the company, I tried to see if the Minimum Payment Due total could be broken up into smaller amounts to paid concurrently with the amount under management with XXXX. 

I never received any word as to the outcome of the reps promise to escalate the request inside the company. 

As an aside, this is a company with XXXX in their name but who employs customer service representatives who are located in XXXX. While the nationality of the companys agents is not a concern, many of these agents dealt with us in a dismissive manner and seemed to take pleasure in doing so. 

As a 30-year customer of this credit card company, it was disappointing to be treated so disrespectfully, particularly when we have acknowledged we incurred the debt and have committed ourselves to a five year plan to pay it off.
I was furloughed due to the government shutdown and though I contacted all of my creditors to make payment arrangements I have continued to receive decreasing scores and inaccurate information from several creditors on my credit report.
Good afternoon. I am filing a complaint, against Experian. I have 7 Inquirys that are still being reported every Month. these Inquires are causing me to get declined for credit. they are not attached to any Accounts. Its very stressful for me, due to my Health. I work hard and I rely on Credit to help me get through my Struggle. if something can be resolved It will help out alot. thanks.
XXXX XXXX XXXX collection agency added a brand new collection to my credit report with a date of XX/XX/XXXX for an amount of {$6100.00}. This original account charged off 7+ years ago and this collection dropped my score XXXX points. I demand they remove this debt from my credit report and stop attempt to collect on it.
On XXXX XXXX, 2015 the original credit reporting company ( XXXX ) submitted my name to the XXXX credit bureaus for deletion ( XXXX reference # XXXX ), and while XXXX & XXXX have removed my " open acct. derogatory mark '' from my credit report ... Transunion continues to report this erroneous {$1.00} open collection debt on my credit report - which has had direct impacts on services I 've sought. I 've contacted Transunion who informed me that they must here directly from the collection agency. If XXXX & XXXX were notified that my name / open collections derogatory mark from their records ... I 'm sure Transunion was notified as well ; however, they have refused to remove this derogatory mark from my credit report.
On X/X/17 I applied at XXXX to purchase a vehicle, once approved and ready to take the final background Quiz, done through the public information system ( LEXISNEXIS ), my last name was spelled wrong by one letter. Upon calling and going through the automated messages I finally got through to the proper department. They told me the best they could do was file an investigation into the matter and would not put me through to a supervisor. They said the investigation would take 40-60 days and hung up at XXXX because the woman said the office was closing.
When I took out the loan with Big Picture Loans for XXXX dollars they said the finance would be XXXX dollars. I then said okay but received papers for repayment until XXXX XXXX, 2017 totaling XXXX .I did not receive this until after payment. I would have never agreed with this outrageous interest. XXXX was taken out every two weeks. I have already paid over the amount.
The minimum payment on my Walmart credit card is XXXX according to their web-site, the attached screen shot shows XXXX due on XXXX. However, payment options below offer a different minimum payment in the amount of XXXX. I previously paid XXXX on XXXX, I believe XXXX was minimum amount due last month. I did schedule a payment in the amount of XXXX on XXXX. I did not check for a late or over limit fee, however, I should not be charged one as their site is indicating a different minimum payment due. A previous complaint was made in regard to their high minimum payment due, Ive been trying to catch on up several credit accounts as I have fallen behind to due to several medical bills incurred by my mother who I take care of. I have several other accounts with Synchrony Bank including JCPenney, Toys R Us, Amazon. Most recently, my Banana Republic account was paid off, however, still closed. I have not checked into these accounts so I do n't know if the same situation in regard to payment due is happening with them as well.
This debt was done XX/XX/XXXX, on or about XX/XX/XXXX I was contacted by XXXX about the account that was delinquent via a letter. I contacted the office and send in to then the documents that I did not have an account with them that I was with XXXX wireless. The company at that time stated that my name was used to open an account, I at that time requested that information used to verified my identity and was not giving any documents. Later in XX/XX/XXXX XXXX sold the account to a collection agency, I also send to them the a copy of the police report with the identity theft information the credit company at that time removed this information from the record. I recently order a copy of the credit record and there is information there from this company EOS, collection. This company as recent as XXXX purchased this account and is reporting information that is false and incorrect. The company has very wrongful information on the record. Information that is relative important in order to properly identified me. Such as the DOB, Mailing address, when I request this information from them they refuse to provided me with the request. I have requested that they send me the documents used to obtain this account, name used, dob, and address. also prove that I owed this money XXXX. I have not yet received any information, instead I have been receiving phone call since know they have my phone number. I have contacted XXXX and there is no record of such account number, nor there are any records of any phone call ever made. There are no bills. So I ask why is this collection agency harassing me for monies that I do not owed..