WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX we did a short sale of our home, located in California. The second mortgage was transferred to a collection agency, XXXX. In XX/XX/XXXX the debt collection agency XXXX was informed that under California law and attempt to collect the deficiency is not permitted. In addition as set forth in section XXXX, no such debt is even owed. This debt is reported on my credit report for at least 4 years, this illegal attempt to collect this deficiency has damaged my credit rating.
They stated three different dates when a personal check would be cashed. There is an overdraft even though I have funds in my account. The website has been down for five hours. They won't email me my statement.
I went into chase branch to pay off credit card. I sat with personal banker, we talked to card services and received a total balance plus interest amount to pay off all total dues on account. I paid this amount in full and agreed not to terminate the account in good faith with a zero balance. The next day I was charged over {$250.00} in interest fees on the account I paid off in full plus interest the day prior. Chase refused to waive the fees and are forcing me to pay off the new Balance. I again went into the branch and talked to a supervisor and they pretty much told me I 'm shot out of luck and must pay the new Balance.
I am showing as late XXXX XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying ECMC reported me and ECMC is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports
I have a collection account that was put on me by XXXX XXXX back in XX/XX/XXXX that I had no knowledge of receiving because I changed my address and moved out of state in XX/XX/XXXX. Even though I have filed numerous disputes to all three credit bureaus stating my claim and included information, I also payed the debt in full to the collection agency, it still is showing as a negative account as a paid charge off on my credit and has caused me to not achieve my credit score and goals that I want. Also the XXXX Credit Bureau is showing that the account is only 2 years old and that is not accurate, the account is nearly 7 years old. I would like this collection account removed completely from all three bureaus. Here is the account as shown on my experian credit report. 

XXXX XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor -  Company Sold-to - Original Amount {$170.00} Comments
I have requested proof of validation on several occasions from the collections company NCA ( National Credit Adjusters ) and also from   XXXX   and  XXXX  once in  XXXX ,  XXXX ,  XXXX  and  XXXX  of 2017. I asked for the original alleged contract with my true signature and that of a qualified employee with the alleged original creditor. After requesting this information several times they failed to provide me with the proof I am allowed to have by the guidelines. Since they failed to send me the requested proof, I wanted this account to be closed and removed from my credit reports on   XXXX   and  XXXX .  XXXX  and   XXXX    have not complied with the law and accurately verified my information as well. I have disputed with  XXXX  cred it bureaus three     separate times and they have yet to send me any proof of the investigation with this company as well.
I contacted Navient on  XX/XX/2017    to discuss payment lowering. I explained to the rep that I am only working part time and my bills  ( ren t, car payment, utilities, insurance, etc ) consumes all of my income. I also informed him that I am anticipating  XXXX  and will be out of work fo r 4 we eks. In addition to that information, I also informed him that I will be returning to school in  XXXX . I stated that the very maximum I could pay at this time until I returned to school is {$25.00} monthly considering all of these factors. The first thing he offered was forbearance, after stating that I had used up all of my deferment time. That would only delay payment for 1 month and a fee was required. I explained that that was only a temporary solution and would not resolve the problem. His only response was that there was no payment plan that could accept $  XXXX  /month an d that if I did n't pay, I could be faced with negative credit reporting. I informed him that I was keeping record of the call and that although I made the offer to pay something, the rep would not willing to provide such help.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OHIO XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX   XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. 
ALSO DELETE THE FOLLOWING NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE DELETE THE FOLLOWING NAMES LISTED :, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX
Debt collector Credit Systems International , Inc. ( " CSI '' ) falsely reported to XXXX and XXXX that I have an unpaid medical bill. In fact, their client, Texas XXXX XXXX XXXX ( " XXXX '' ), was paid in full for the medical services and supplies that it provided to me, but XXXX fraudulently billed for the same supplies twice. I do not owe the amounts reflected in the XXXX-billing. However, instead of resolving the issue, XXXX hired CSI to collect on bogus charges. I have disputed these charges to all concerned, but CSI failed to respond to my letter and instead, placed negative information in my credit files at XXXX and XXXX.
I am filing a complaint against Bayview Loan Servicing LLC concerning events leading up to, as well as following a short sale of my home in 2012. During that time there were other resources, programs, and help that was supposed to be made available to me - programs coming from the federal government, to include XXXX and CFPB guidance. However, at no time during my inquiries to Bayview did anyone discuss these programs and resources with me. As a result of the inability to reduce the interest rate and adjust the mortgage, I was forced to ultimately go through a short sale. 
Recently I have mailed them twice with a USPS registered return receipt. They have failed to correspond with me concerning those letters. In those letters I asked that they, as an act of goodwill, remove the negative reporting of my XXXX delinquencies from my credit report. I asked them to do this, as it has been almost four years since the short sale. As part of the justification for the short sale, I cited the need to find adequate and adaptable housing for my XXXX daughter. My current lease is over in 4 months, and the negative reporting is jeopardizing my ability to qualify for a home that meets my daughter 's needs. 
Again - they failed to notify me of programs that might have kept me from going through a short sale, and they also refused to adjust my interest rate on my mortgage. All I have asked for now is to take the negative rating off of my credit, and they have failed to even answer my requests. Furthermore - I have tried countless times to speak with a Bayview representative on the phone. Unfortunately, every time I call their system, it pushes my through several automated responses and ends up hanging up on me. Their phone system does not work for the consumer. 
I ask for your assistance in this matter. 
thank you
XX/XX/2018 : XXXX " Calling from XXXX, this is a debt collector on behalf of XXXX XXXX XXXX XXXX XXXX. This is a call from a debt collector. Please return our call at XXXX M-F during normal business hours. Thank you. '' Neither me nor my wife or kids have ever been to XXXX XXXX XXXX XXXX ever.
NFCU was freezing my account for various pay periods. Which caused me to have some financial hardship and eventually switched banks. The froze my accounts and I did n't have access to any money, because of an account that my ex-husband had.
About six weeks ago, opened new American Express XXXX XXXX card account, XXXX. Promotion was XXXX XXXX points after {$3000.00} spending in first 90 days. Checked -- ca n't recall if phone call or message -- to make sure I was eligible for the bonus. Was told that I was. Met the spending threshhold. Asked today when points would post, was told that I was not eligible, contrary to what I was told earlier. Unfortunately, I did not save any record of the conversation because I was traveling at the time. I would think American Express has a record. Nonetheless, they are refusing to honor the promotion. They got the benefit of my spending and now are refusing to provide the promised promo. Wish I had their answer to my question about eligibility in writing but unfortunately, I do not, and I realize that may let them get away with this scam. But thought I would file formal complaint anyway, since it 's likely others are caught in same deception. Very disappointing for a company like American Express, which I used to hold in high regard.
The medical bill that was owed to the original credior, XXXX XXXX Medical Center in XXXX, Ga but was on my credit report listed under the name Jason A. Craig & Associates was removed off of my XXXX credit report due to being a third party creditor. In XX/XX/XXXX, i was subpoenaed for the amount owed to the hospital which was {$1400.00} with 18 % per annum which turned out to be {$2400.00}. I answered the subpoena on XX/XX/XXXX and was told by the XXXX County, Ga Magistrate court that I would receive a court date in 5 weeks to discuss the charges. I left on military XXXX  on XX/XX/XXXX and returned onXX/XX/XXXX. When I got paid by my civilian job on XX/XX/XXXX,  I found out my wages had been garnished by Jason A. Craig & Associates for {$2600.00} while I was away on military XXXX. I called XXXX County, Ga Magistrate court where the garnishment was filed at and was told papers were submitted stating that i was summoned in XX/XX/XXXX and never responded to the summons which was not true. I was indeed summoned in XX/XX/XXXX and I did answer. When I talked to XXXX County, Ga magistrate court she told me that she never sent out a court date because a lawyer from Jason A. Craig and Associates called her and told her not to send one out because he would contact me to settle the account which he did not.
A negative charged off account is on my report, i do not recall borrowing from this creditor.
XXXX XXXX and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$5300.00}. I don't owe anything.
My credit report has a bankruptcy that is currently inaccurate and on my credit file. I have it disputed with the credit bureau however it came back as verified. However, I do not know how this can be " verified '' since the Bankruptcy court does not report to the credit bureau as stated on their website. Also, a third party reporter named XXXX XXXX ( which Experian uses ) reports bankruptcies. However my credit file with that company is suppressed, and they do not report any information on me. 

Therefore, I am curious to know how Experian " verified '' my information with no source to verify it with? 

It is a violation of the FCRA ( Federal law ) to report inaccurate information and to continue to report unverifiable information. In this day an age when our elected officials in the highest government offices declare themselves above the law ; it is no wonder a large credit bureau like Experian continues to thumb its nose at the very laws that are supposed to govern it. 

That is not right, nor is it moral.
Hi, I have a problem with Citi bank on the checking account opening promotion. I opened the account in XXXX with the promise of {$500.00} as bonus. And i have met all of their requirements. And they said the bonus will be deposited by XX/XX/2018. But it did not happen. 

I called and they launched an investigation for a month. On XX/XX/2018, they said I was not eligible. I called again. They said they made a mistake and launched a second investigation. And I called both its cooperate customer service, the branch and the online chatting, but all of them just made me wait! 

The customer service representatives said everything looks fine but I was just being put away. 

I had to keep all of my money there for the account to be qualified and I feel they are just dragging the process. And it starts to feel like a spam. 

Could you please help me?
EQUIFAX will not investigate unauthorized inquiries on my report Equifax stated that they will not investigate inquiries due to it is not their problem according to FCRA anything wrong with consumer credit report must be investigated.
I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section XXXX i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent on XX/XX/XXXX to Santander disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3. XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for XXXX, XXXX XXXX, XXXX XXXX 4. XX/XX/XXXX Debt validation letter sent to XXXX   XXXX disputing amount owe XXXX 5.XX/XX/XXXX XXXX, XXXX , XXXX  dispute letter to Diversified amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to Diversified
I am a retired military veteran and WAS a happy, loyal USAA member for more than 10 years. On XX/XX/XXXX, I got a text message from USAA that my credit card limit had been increased. That was great news because I use credit quite frequently needed a little more cushion. Unfortunately, when we tried to use the card later that day, it declined. I called the bank to find out why and they said rudely " What credit card? We don't show one on file. '' After several frantic phone calls, we finally discovered someone at USAA closed my account. This wasn't just a precautionary security lock ... ..it was force CLOSED. I demanded to know why, but no one had the answer. One guy from the credit card department said it looked like someone in the security department made a mistake and would be reprimanded. I was mad to say the least. As a military guy, a bunch of my friends and family work or bank with USAA so I posted on social media about the situation. Soon after, I received a message in my inbox from XXXX XXXX that my account was closed due to " unacceptable behavior ''. I found out later from an insider they were taking screenshots of my conversations on social media. This leads me to believe XXXX XXXX may have abused his power at the bank to punish me for complaining publicly. 

A few days later, I got a call from a bank employee who said she represents the CEO, XXXX XXXX. Apparently the executive board made a " business decision '' to close my account and they were in the process of closing my mother 's, brother 's, cousin 's and spouse 's accounts. She also said they are not going to tell me the real reason why because by law they don't have to and they have no record of the conversation I had with the credit card guy about them making a security mistake. It felt like a total abuse of power. I have reason to believe XXXX XXXX improperly used his position at the bank to influence this " business decision ''.
We are waiting on a modification so that my mother and I can assume the loan. We completed the package and we did not get an answer from the company. XXXX. I have had some mail returned by the post office, like for court dates or for the Human Services Department for Medicaid or XXXX. The post office at my home is staffed by people who change every couple of months and the issue restarts, misdirected mail. I recently came back to my home and I was alerted that the mortgage is not going to honor their modification/assumption workout and instead has filed a notice of completion of briefings and demands foreclosure by summary judgement. 
We did all the company wanted, we can afford the house, we receive income, and we just made the payment, I am including the statement of the Escrow company who is taking the payments for over two years, which is really, credit worthiness to so good on the loan, however, the interest rate and the legal fees and interest that the company alleges is due make the loan so inflated! The rate is XXXX points higher than ( high cost ) the prevalent rates and my mother XXXX XXXX is dropping all her social security ( SSA ) income to make the payments at the demise of all her other bills. I was helping until I got physically incapacitated to work ( letter from doctor ) and I am better, I will be able to reintegrate to the workforc soon, XXXX. I am asking for XXXX accomodations on the issue or response, I was XXXX. Instead of reaching out to us, via mail, phone or else, the bank filed a completion of briefings and demands the court to foreclose. We are occupying the property, keeping the lights and heat and water and repairing it and maintining it and we want to keep our house, please do not let this house go to the XXXX investors, this is an owner occupied home, please help us to decrease the blight eyesores in the neighborhood that depressed values and that contributed to our inability to refinance in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX since the property was and still is underwater. we just made the payment and will include proof of that. We put the property in my name as per request of the bank so that they will grant the modification, we did all they wanted. I will include the XXXX payments I will soon receive through the division of vocational rehabilitation which I qualified for and the social security of my mother, our tANF assistance for my minor child, SNAP and all again, if they wish, current statements but keep us communicated, now word from the bank about a modification and they filed in court a completion of briefings, what is that??? Let us keep my mother and I ( XXXX and XXXX XXXX XXXX XXXX ) the home that we are living in and raising a family with minor and XXXX kids
American First Finance is charging us 145 % interest rate. That is extremely high. I asked if they could re-run my credit report, in hopes of lowering the interest rate. They refused to do that, even though they say there are other customers with a lower interest rate than what I have. I want to pay off the debt, but at that high interest rate, it will take us a very long to pay it. What are my options? If I just do n't pay them, that will probably affect my credit, and will send me to their collections department. But this is so way and above what any company should be charging.
We have made 3 attempts to stop Ditech from removing escrow taxes from our automated monthly mortgage payment. We have had the mortgage since XX/XX/XXXX and have always paid our own taxes. Since XX/XX/XXXX payments in the amount of {$1100.00} have been removed from my bank account and we were told that they were paid to our local town for tax payment. We have made 3 attempts to have this stopped and have received XXXX different stories from Customer Service, although all XXXX have made the statement of " we do not know why we are taking escrow from you, you are setup as a non-escrow account. '' We have spent several hours each time on the phone being passed from one department to another and no one can offer any resolution to our issue. We were told that " they will begin removing even more money from our account due to a shortage they have regarding our escrow account '', which we never had! The tax department told us " they have no idea why we are having taxes removed from our account as we are listed as a non-escrow account ''. They also informed us " they have no idea why they show them as making payment to XXXX, NH '' regarding our account. As of XXXX XXXX, XXXX, NH has no record of receiving payment from Ditech. I will notify my bank today and stop automated payments to Ditech until they research and fix this issue and I will continue to research refinancing with another mortgage company. I researched this issue and also noticed from consumer affairs.org that their are another XXXX complaints regarding ditech, which has made me contact you, so others might be able to be helped.
I am a victim of identity theft. Several inquiries are showing on my credit report that were not authorized by me. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX Bank XXXX XXXX XXXX Finance All of the companies listed above obtained my credit report due to fraud. I have contacted each company and all companies have agreed to request the removal of the inquiry from my credit report. As of XXXX/XXXX/XXXX these inquiries are still showing on XXXX or more of my credit reports. I have attached a PDF of the letters I have received from the creditors above showing they have requested the removal of the inquires. I have also attached a copy of my photo ID for verification purposes.