WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX  had purchased an account from XXXX and put it in collections. I received a summons from the law firm they hired XXXX. we came to a settlement agreement which I will attach. I fulfilled the terms of the agreement however the XXXX account is still showing negative instead of paid on my report. I made all communication with portfolio and XXXX through email, but now when I email portfolio about this they only give me a number to call. I have made several attempts with portfolio to have this corrected and to get it reported correctly with XXXX to the bureaus, but they have not been helpful.
To whom it may concern I 'm taking the following steps to file and inconformity with Chase Bank. It all started with a breach of contract by a company XXXX XXXX. 
The rupture contract was because they did not honor a contract that I signed with them on XXXX XXXX, XXXX in which we both agree that they would retrieve the amount of {$270.00} every month starting XXXX XXXX this would continue for 120 months. 
Unfortunately this company breach the contract because they started to retrieve a amounts of {$280.00} Plus another amount of {$53.00}. I called the company directly to communicate my inconformity but they did nothing to remedy the situation. I also called to cancel the contract due to the breach of contract and they would not cancel it without incurring any penalties. So I contacted chase bank directly in regards to my Chase freedom which is the car that I used to pay the monthly installments. I asked Chase to stop any future payments and refund me and look into past payments. I sent them a copy of the contract which was breached. 

Chase sent me a letter of confirmation regarding the disputes. This letter had to date XXXX XXXX, XXXX which they promised over the phone to return such payments temporarily until they realize an investigation because of the breach of contract. Unfortunately chase only reimbursed me for {$53.00} on XXXX XXXX, XXXX I contacted them again about the XXXX credits for XXXX that they promised to reimburse me within 24 hours which did not happen. 

I check my account again and I realized that Chase once again had paid XXXX XXXX on XXXX XXXX, XXXX the amount of {$280.00} and on XXXX XXXX XXXX the amount of XXXXI called Chase once again to request a credit for the payment that had just cleared in XX/XX/XXXX and also for the past three payments which they had not resolved. 

Later on on XXXX XXXX, XXXX I received a letter that said I had not made a complaint regarding the full amount of {$280.00} and that I had only disputed to a partial amount of that money for {$9.00} once again I called them so they could correct the XXXX amounts for {$280.00} of which I have not received credit for. Two further my frustration I also noticed that they are still paying the company which breached the contract and still allowing them To charge {$53.00} every month. 

Another thing that I want to mention is that the dispute department does not have personnel that speak XXXX therefore communicating with them has been a hassle. It 's been even more of a hassle and frustration when I 'm trying to explain to them how to correct the mistake that they have made in the first place.
I was granted a forbearance of my student loan with Navient in XX/XX/2015 after receiving an email about my account being past due for XXXX, XXXX, XXXX, and XXXX of that same year. They had sent me an email to reply " yes '' to a forbearance and that is what I did. That email stated that this would bring my account current. 

My approval email stated my forbearance request was approved and that payments were to resume on XX/XX/2015. My credit reports from all 3 bureaus are still showing 90 and 120 days late for those 4 months. I would like these late payments deleted from all 3 reports because this is a violation as per the FTC Advisory Opinion on Section 623 ( a ) ( 2 ) of the FCRA. I have been in several forbearance periods on this same loan since then and the payment history IS being reported accurately on those so far.
Sir/Maa 'm, I am currently a in the XXXX XXXX XXXX XXXX that was called to XXXX XXXX in support of our war on terror. I began my tourXX/XX/XXXX and was released on XX/XX/XXXX. I have always in the past had my credit cards set up on the Auto pay system so that I never miss a payment. Unfortunately for an unknown reason, my Chase Slate CC fell off of the Autopay system without my approval. During my XXXX I was notified by my creditors of my enrollment into Service members Civil Relief Act. As a service member most of my benefits began XXXX months before I XXXX and continued for XXXX months after I returned. Unfortunately this does n't apply to the Credit Card companies. During my XXXX I still made some payments on my account without realizing that the Autopay system was disengaged. Last month I finally realized the error and immediately made a payment and once again set up the Autopay system. I am currently pursuing a refinance of our home and was informed that my credit score had significantly dropped due to Chase reporting a 30-day late to the credit bureau. I have always had really great credit and have been with Chase since XX/XX/XXXX. I did call and talk with a credit specialist at Chase and was informed there was nothing that they could do and they would not remove the mark on my record. I did explain my concern and asked if they would apply a 'Goodwill Adjustment '. The representative said again there was nothing they could do for me. After this error occurred I immediately reviewed all my accounts to confirm everything was setup correctly. I hope I have explained this accurately and there might be a way I can have this 30-day late remark removed off my record. Thank you for your time and looking into this matter for me. 

Sincerely, Me
I am a victim of identity theft. The information listed below, which appears on my credit report, is not my debt. I have spent countless hours and dollars seeking a resolve. The initial police report was filed in XX/XX/XXXX, since that time XXXX more reports have been filed. It appears when my information was stolen those persons secured debt via loans and health care services in my name. I have attached the report filed in XX/XX/XXXX. The persons are still using my information, as it related to one of the theft incidents ; XXXX County has made XXXX arrest. The XXXX County Police Department has advised me to contact you again, along with the social security XXXX, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items listed should be blocked and deleted : Delete the information reported by XXXX XXXX XXXX, ref number XXXX
Hi, I am really disappointed with Bank of America XXXX I have transferred my money of 650 $ on XXXX XXXX XX/XX/2015 to my friend, account holder in Bank of America. In my Money Transfer field shows that the account holder is verfied. Then i did make transfer, the money is gone from account but the reciepient did n't recieve money. 
We called the bank of america customer care by XXXX XXXX - XXXX XXXX XX/XX/2015 which was recorded for quality and monitoring purpose by bank of america, we clearly explained the procedure how we transferred money, they took some time to verify then they are saying that the money is transferred to saving account but the recipient does n't have that Saving account. we do n't know where my money go, they did n't responded properly. We do n't have any clue. We are really disappointed.
I borrowed the XXXX and at the time I did not really realize that I was going to ba paying XXXX to borrow XXXX that is a bit excessive. They are taking XXXX every paycheck from my account from XXXX thru XXXX. I have already paid the XXXX plus interest at this time. I think these fees are outrageous and I think that I have paid way more than I should have.
Disputed account with portfolio recovery associates on XX/XX/XXXX and XX/XX/XXXX through the credit bureaus because I didn't recognize the account and both times it came back verified. After pulling all 3 reports I noticed the account was being reported different with all 3 bureaus. I called portfolio recovery on XX/XX/XXXX to find out why was the account was reporting closed and late with XXXX, open and unknown with XXXX   and a totally different account number for XXXX. I was told the account is not closed and the account number with XXXX was inaccurate. I asked them to send information stating when the account was open and closed, when was the last payment made and for how much. I was told they had limited info that they will send and I needed to contact XXXX XXXX for more information. It is unfair and a violation for them to keep reporting and verifying inaccurate information and they won't stop.
Allied Interstate keeps calling me on my cell phone. And I told them they have the wrong number. I have no debt owed. And I do not know how they got my number.
I have been a Chase Bank customer since XXXX, in XXXX XXXX I was selling an item on XXXX and the buyer paid me with a certified check the check was written for more than what I was selling the item for, I questioned the buyer he told me the excess funds were for the shippers in order to send the item to him. I deposited the check in my account but something seemed strange as he kept messaging me to wire money to the address he provided. I immediately contacted Chase Bank 's fraud department on XXXX XXXX and told them of my concern regarding the check and the way the buyer was acting. The person at the fraud department told me I was the second person this week who was scammed by XXXX and they put a hold on the check I received a letter in the mail verifying this the phone call was also recorded and I also sent an email to XXXXXXXXXXXX as instructed by the Chase rep in the fraud department. On XXXX XXXX Chase released the funds into my account even though I warned them of the potentially fraud that this check posed. I then went to use my card on XXXX XXXX my card was declined I called Chase to ask what the issue was they told me my account was scheduled for closure but would n't tell me why. I then went into Chase to talk to a account specialist she proceeded to call Chase and they told her my account was restricted and under investigation for fraud as a result of the check that Chase put through that I told them I felt was fraudulent. My account was then scheduled for closure all my checks written ahead of that time were returned and debits as well causing me to incur fees with those parties as well as damage my reputation further, my scheduled deposits were frozen as well causing me to miss my mortgage payment as well. Chase then sent me a letter regarding the account closure and also threatened that they would report this have it put on my credit report and inform other banks so I ca n't open an account anywhere. I was a victim of fraud and alerted Chase to this they took it upon themselves to process this check into my account even after the fact how am I liable? Besides the threating letter the lack of communication at Chase bank is appalling, as there customer service and fraud department gave me a different excuse every time. I understand that the bank reserves the right as to how to handle accounts my only issue is that I do n't want this to affect my credit, reputation, or ability to open a bank account as I exercised integrity and was forthright in this whole process.
I make made my payments online through their website from the same account and information that was put on their in XX/XX/2015. out of nowhere payments were made like normal but were not pulled from my account ( only noticed this after i went back through my account after receiving the charge off notice ) and they claimed i stopped payment in my bank for those payment which i did not. i was told i could only make a payment to their recovery center. So after getting help to get the amount needed to pay them off i have been trying for two weeks to make this payoff, i am unable to get a hold of anyone from the branch or place i needed to contact i will sit on hold for 30 mins to 2 hours with out someone picking up and if i am able to get someone only once they transferred me to where they said i needed to talk to and the phone call was disconnected. i have called the branch in my town to be connected as well as being connected to 5 to 6 different department all of which have transferred me or given me other numbers to contact. i Have also found out that they put my car in repo status as of XX/XX/XXXXbut did not even receive the letter that it was being charged off till XX/XX/XXXX. i am very upset with the whole matter because I am trying to do the correct thing and fix the issue but can not due to lack of in my opinion professionalism and courtesy.
In XX/XX/XXXX, I lost my job for more than 6 months with a young child, which caused my previous car to be repossessed. Therefore, when I got a job, it was far and I had to settle for a second chance auto loan lender, Credit Acceptance. I was told that I would be able to refinance the car to lower the interest rate but this never happened. No lender would refinance my vehicle because it has negative equity. I have had my car appraised, and it was estimated at being worth {$3500.00}, with me owing Credit Acceptance roughly {$14000.00}. No auto loan lender will refinance my current loan nor allow for a trade in with such a high loan balance. Essentially, i am stuck in this loan with a car that is fallen to pieces. The car does not shift gears properly without me using a screw driver, I am having transmission issues which have caused me roughly $ 2K to date, every time I have paid for my car door to be fixed it breaks again so I have roll down my window to open the door from the outside. My monthly payment is {$540.00} on this XXXX XXXX XXXX. I have asked Credit Acceptance to lower my interest to rate or lower my buyout so another auto lender can approve me to get another car and so that my roll over amount is lower. I have gone to 5 dealerships who have stated I am stuck in this loan and they can only assist me if my outstanding loan amount was roughly 50 % less. I think it is beyond ridiculous that second chance auto lenders are taking advantage of consumers who fall on rough times, where they have no programs to reduce interests or car appraisal for extreme cases such as myself. Additionally, they have poor customer service, where their customer service reps are beyond disrespectful and they call constantly when you have already agreed to a payment plan with another rep. I have also asked to speak to their legal department to try to come to a conclusion and they never called me back.
I recently applied for a car loan but was denied because of XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX that still appear on my credit report as paid late. The accounts were disputed long time ago, I write letters monthly to no avail. I am very eager to know what is going on why the accounts are being reported late but credit bureaus did not send me any verification. This is a big mistake please CFPB fix it as soon as possible
On XXXX XXXX, 2015 at XXXX I had a miss call from XXXX XXXX XXXX XXXX. I called the number back at XXXX and discovered it was a collection agency. The collection agent did identify who she was and confirmed the number I was calling for and asked if I was a XXXX. I informed her that I did not know a XXXX. The collection agent then asked me to hold while she checked something else and asked if I was who I was and she confirmed my date of birth. I informed her that I was and she informed me that she was call to collect a debt for XXXX XXXX Bank. I informed the caller that I did not owe the debt and they were attempted to fraudulently collect a debt and not to call me again and I was going to report them to the Consumer Financial Protection Bureau.
I am trying to buy a home and have been watching my credit report nearly every day on XXXX. Suddenly, today appeared a derogatory mark on both XXXX and TransUnion. Filed by STATE XXXX. I know the STATE XXXX HAS A HISTORY OF PLACING BOGUS LIENS ON NON-RESIDENTS, and that XXXX recently lost a case XXXX. I have never worked or lived in the state XXXX. I have had a XXXX XXXX there since XX/XX/XXXX which I visit one or twice a year. Details : Public Record : Tax LienFiled $ XXXXPublic Record DetailsReference NumberXXXXDate FiledXX/XX/XXXX XX/XX/XXXXDate -- StatusFiledAmount $ XXXXClassificationLienTypeState Tax LienContact DetailsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
XXXX XXXX, operation analyst on claim customer service team, phone number XXXX, accepted a valid second opinion letter, on business letterhead and signed by a second qualified merchant on XX/XX/XXXX and charge-backed the disputed {$3200.00} and {$5100.00} charges on XX/XX/XXXX 
She admittedly concealed from me a merchant 's response to credit card dispute on account ending with " XXXX '' and re-billed, for the third time, the disputed charges on XX/XX/XXXX. 
It undermined my ability to reverse the disputed transactions under consumer protection law through Visa arbitration process.
I applied for a Citibank credit card in XXXX 2016 and paid the first bill. They say I asked for paperless billing, WHICH I DID NOT. They continued to send me e-bills and I ignored them as I thought they were spam. This month I tried to close the account and they said I owed them almost {$4000.00}. I finally was able to download all the bills and found there were {$3400.00} in purchases, {$210.00} in finance charges, and {$160.00} in late fees. I have called Citibank 4 times and was told a supervisor was not available but would call me back. I never got a call back.
Recurring automatic payments established on the account were all processed with exception of the final payment. 

I have been back and forth with Fifth Third Bank since XX/XX/2018, regarding the fact that they acknowledge quote/unquote, " We are in agreement with you, with regards to your reoccurring payment, it had been previously accepted and should have been accepted in XX/XX/2018, '' Had they accepted my XX/XX/2018, final reoccurring payment, we would not be having this complaint, along with all of the distress and adverse actions that I and my family have suffered due to this bank not accepting/processing my payments until which point they could create a 30-day delinquency entry on my credit bureau file report. 

This information is not accurate ; there were two separate attempts to finalize the last payment, both prior to XX/XX/2018, and just as recently stated in an email from one, Ms. XXXX XXXX XXXX ... " ... the interruption in your payment is the only reason to remove the delinquency. '' Well, this was interrupted, and so, therefore, they need to remove this delinquency ( just as stated by her own words ). Why hasn't she? This has already cost me the recent opportunity to close on a new home, due to the blemish on my credit and fall of my FICO/credit scores resulting ... 

I also certified them a letter in addition to several phone contacts, emails, and more. I have also been the subject of discrimination in the past with this institution, and believe this is much of the same, and I recently raised this issue again. Please examine their past track-record ( s ) as well as mine. I also will provide similar documentation as I have given them in advance, as well as been repeatedly cooperative, with no resolution yet in sight. 

Lastly, allow me to also point out that just prior to the interruption in the reoccurring automatic payments, there had been an account number change, where, the original Platinum MasterCard number ending in # XXXX was changed to a new Trio Mastercard number ending in # XXXX. This change was not of my request or doing, and the interruption to ongoing payments not getting processed is an internal issue that I can not resolve for them. As a result, this posted delinquency to my credit file is long overdue to be removed and never should have been posted to my credit and all bureaus in the first place. 

The bureaus have also been contacted and I will continue to escalate this right to the point of legal action if necessary until the corrections to their mistakes have been updated and removed from all of my credit bureau reports, and my credit is once again restored as it should have been previously, prior to this misrepresented and inaccurate information that was reported. 

This is an attempt to hold any and all organizations liable, that have failed to enforce the correct reporting of my records and/or amending such, without further delay. Thank you.
I received a voice message on my iPhone yesterday claiming to be a debt collection agency and threatened to file charges against me tht I do not owe. 
I do n't know the people. Could not make out who they represent. 
The phone number is XXXX. 
I did not call them back as they asked me to. 

I do n't owe anything at all, not even income tax. 

I also had received XXXX bogus calls claiming to represent the Treasury Dept. saying that I owe taxes which I do not and I hung up.
Because of lost income, I notified my credit card providers in XX/XX/XXXX that I was no longer able to make monthly minimum payments and asked them to reduce the amount due until I can get back on my feet. One of them, XXXX XXXX, immediately worked out with me a plan to reduce the amount and lower the interest rate in the interim. 

But Citi XXXX MasterCard declined to working out a plan with me. I told the bank that all I would be able to pay via online payments is {$100.00} a month in order to keep the account open which I have been doing. 

But, not only am I accruing monthly fees by the bank 's refusal to work out a plan with me as XXXX did but I am receiving on a daily basis anywhere from 4 to 6 robo annoying calls which is a total violation of my rights. 

I want Citibank to work with me during this personal financial crisis and stop harassing me.
It seem like BB & T use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 
15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. In order for a claim to be valid there must be a contract in place to show there was an offer made, mutual acceptance, terms and conditions, consideration and 2 wet ink signatures signed by both parties. If there was proof of any debt, according to the rules and regulations of the state, there should be a public record on file with the secretary of state. They send me a copy contract. I want to see original copy of contract. 
It feel like BB & T being discriminate against me because I am XXXX