WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I am writing in regards to an old credit card account I had with XXXX XXXX XXXX. I held a credit card with XXXX which was opened in XX/XX/XXXX, then closed in XX/XX/XXXX. This account I held in good standings and was never late on a credit card payment. 
The account was closed due having to file a chapter XXXX bankruptcy on XX/XX/XXXX. The account was closed and I received a discharge in bankruptcy on XX/XX/XXXX. 
This account was included in the chapter XXXX, and discharged along with other debt. All of my credit reports list my public record and reporting of the chapter XXXX discharge. 
I actually had asked my attorney if I could keep this card open to rebuild my credit but was told I could not, and that it had to be included, as all outstanding debt needed to be. I wanted to keep this card as I had never been late, nor ever missed a payment on this account. I only know the last four numbers of the XXXX acct were XXXX. I have done very well since my chapter XXXX and have a 100 % payment history. 
This account is still being listed in my XXXX and my Experian credit reports. I have filed numerous disputes and have received no deletion of these reporting. They have also continued to update the accounts at last XX/XX/XXXX. They do not report anything about this account as far as my payment history which was perfect. It is listed as to just harass. I have gone to XXXX directly and the bureaus regarding this issue and nothing has been done. 
As stated this account was included in on my discharge. When you decide to file a bankruptcy it is a devastating report to your credit file in and of its own that lasts 7-10 years. This is the price you pay for what was done and is stiff enough penalty on its own however, XXXX has reported on this account as recently as XX/XX/XXXX and it is a violation of my discharge injection to report again on debt discharged in Bankruptcy. This account also because not removed from my report lists as a separate " NEGATIVE '' item, along with the bankruptcy therefore I am being penalized twice for this account. 
Can you please help me? As I stated I have disputed with the bureau and with XXXX so I am not sure how to get this error removed. 

Thank you XXXX XXXX
WE (  XXXX   XXXX  AND  XXXX   XXXX   )  had come to a agreed settlement regarding my wife 's credit card that charged off 3 years ago. I held up our part of the agreement in which I sent back the original paper work mailed to us that my wife had to sign and sent back to rodenburg law firm certified mail next day. them once I had confirmation that they received the letter, I went to there web site and made {$2000.00} payment through our joint checking account. then after it cleared in  24  hours, I started calling them  XXXX  asking when they were going to file there paper work with the clerk of courts here in   XXXX   XXXX   stating the matter had been settled. each time I got the run around and was told " another department handles that ''. finally I called the morning of  XXXX , the day this matter was set for trial at  XXXX . Spoke to a rep named  XXXX  explained to him I just spoke to   XXXX   XXXX   courts and they have yet to receive there paper work that " you were spose to file with the   XXXX   XXXX   courts ''.  XXXX  tried telling me that the " other dept handles that " I then asked to speak with a supervisor,  XXXX  tried to transfer me to a supervisor who he said " wont be in the office till tomarrow ''. I asked several times to speak with someone in charge today, right now. he refused, and kept trying to send me to the supervisors phone who was not in the office today. finally  XXXX  hund up on me.
I have accounts in Navient that are reporting incorrect data and nonpayment status. The accounts are being paid and almost zeroed out. I have asked that this matter be looked into as they are reporting outdated information to my consumer credit files in XXXX, XXXX  and XXXX affecting my scoring and limiting my ability to attain loans and/or other credit based services or products. 

I am current and have made all payments on time. I am a XXXX XXXX XXXX XXXX and do not have the time to be consistently battling these companies to update information which is their responsibility to do. 

I am asking for assistance in this matter from the CFPB
I set up bi-weekly payments on my account to cover each month 's payment, a payment was made on the bill generation date ( early ) so Synchrony charged me a late fee when I was actually early on the payment. I spoke to an agent who saw all the payments but was unwilling to correct Synchrony 's mistake so I asked to speak to a manager. The manager actually said to me " you made a payment early so we charged you a late fee '', I was appalled and even more so when she refused to correct the error the company has made. It 's obvious Synchrony practices unfair consumer credit activities and I will be filling a complaint with both the XXXX and the Consumer Financial Protection Bueau for charging me unwarranted late fees on my account.
I am attaching the letter that I sent to the credit bureaus on XX/XX/XXXX, requesting a credit investigation. I have yet to receive my responses. It has been over 100 days since I mailed my letter, and they were supposed to respond within 30 days.
I was the victim of a theft of checks from my home- office/bedroom. These checks were endorsed by me and deposited to my checking account using my mobile phone. I was not aware of this theft until I began receiving notices from my bank that the Federal Reserve had sent them an order to reverse the deposit of the checks and remove the funds from my account.

XX/XX/XXXX I deposited a check for {$170.00} On XX/XX/XXXX this deposit was reversed.

XX/XX/XXXX I deposited a check for {$140.00} On XX/XX/XXXX this deposit was reversed.

XX/XX/XXXX I deposited a check for {$200.00} On XX/XX/XXXX this deposit was reversed.XX/XX/XXXX I deposited a check for {$75.00} OnXX/XX/XXXX this deposit was reversed. XX/XX/XXXXXX/XX/XXXX I deposited a check for {$180.00} On XX/XX/XXXX this deposit was reversed. XX/XX/XXXX I deposited a check for {$120.00} On XX/XX/XXXX this deposit was reversed.

XX/XX/XXXXI deposited a check for {$85.00} OnXX/XX/XXXX this deposit was reversed.

{$980.00} total was taken from my account.
ABR recovery Services continues to verify false information on my credit profile. They continue to dispute the accuracy of their own reporting. I have only ever had ( 2 ) XXXX credit cards ever. Both were charged off in XXXX and XXXX. ABR continues to report that the first date of delinquency was XX/XX/XXXX on one account and XX/XX/XXXX on another account. Although ABR Recovery services admits that I only have ( 1 ) collection account, they continue to verify with XXXX ( 2 ) collection accounts. I am asking ABR to stop reporting the account # XXXX. They are knowingly reporting ( 2 ) accounts falsely. I have continued to dispute ABR Recovery Services on both accounts as being false as I have proof from the original creditor that these accounts were charged off in XXXX and XXXX. I am including XXXX into this complaint. Because ABR continues to say these are different accounts. The account numbers do not match up because ABR and XXXX use different account numbers from each other. In order to link these accounts, I need more proof that these accounts have been re-aged. 
I need from XXXX : All accounts associated with my name. I need to verify that I have only owned ( 2 ) accounts EVER. I need exact dates of 1st delinquency, charge off date, dates opened and amounts if you have them. I NEED THIS FOR ALL ACCOUNTS ASSOCIATED WITH MY NAME. Again, I need ALL accounts that I have ever owned with XXXX, the original creditor. I NEED XXXX IN WRITING TO STATE THAT THEY HAVE VERIFIED AND HAVE STATED ALL ACCOUNTS ASSOCIATED WITH MY NAME AND THAT THERE ARE NO OTHER ACCOUNTS OTHER THAN WHAT IS LISTED. 
Thank you for your cooperation.
This complaint is against Mid America, C/O XXXX XXXX for 8 different RESPA violations under 12 CFR 1024.36c, 1024.36 ( 2 ), ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) for failure to respond to Qualified Written Request and Notice of Error Mid America Mortgage, C/O XXXX XXXX. Is the Mortgage holder as well as the Mortgage servicer.

In XX/XX/XXXX I noticed that the Mortgage company was not reporting our payments to the credit bureau.

I have made several Qualified Written Requests in accordance with 12 CFR 1024.36a to Mid America Mortgage , C/O XXXX XXXX. , requesting notes from our service file about the handling of our reaffirmation agreement.

XX/XX/XXXX Email to XXXX. XXXX  failed to respond within the 5 and 30 business days requirement, Violating 1024.36c, 1024.36 ( 2 ) ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Qualified Written Request sent certified return receipt. XXXX failed to respond within the 5 and 30 business days requirement under. Violating 1024.36c, 1024.36 ( 2 ) ( b ), 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Notice of Error sent certified return receipt. XXXX   failed to respond within the 5 and 30 business days requirement, violating 1024.36c, 1024.36 ( 2 ) ( b ), 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXXSecond Request for information ( QWR ) sent certified return receipt. XXXX  failed to respond within the 5 business days requirement, violating 1024.36c. 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Second notice of error sent certified return receipt. XXXX failed to respond within the 5 business days requirement, violating 1024.36c. 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) This is a total of 8 different RESPA violations.

Under 12 U.S.C. 2605 [ f ] [ 1 ], 2605 [ f ] [ 3 ].

Since the servicer failed to take one of the required actions within the time limit, under RESPA, as borrowers, we may recover : any actual damages suffered by the borrower, if there is a pattern or practice of servicer noncompliance, additional damages not to exceed {$2000.00}, and attorneys fees and costs.
i took a certificate of deposit out with synchrony bank. they advertised no cash out penalty. unfortunately my circumstances had me cash out early and they charged me penalty fees. i was told by XXXX and XXXX on XX/XX/2018 that they would charge me fees.
On XX/XX/XXXX I deposited a check for XXXX from a retirement fund. I had to cash out of my retirement fund early due to financial hardships. I called TD Bank on XX/XX/XXXX to find out when my money would be available and she told me it would be available the morning of XX/XX/XXXX. This morning when I checked my bank account it said there was a hold placed on the deposit. I called ( XX/XX/XXXX when they told me it would be ready ) and I was told there is a 6 day hold on my deposit because they needed to verify the funds. Why did one person say the XXXX and one person say I still have to wait 6 business days which is ALOT more than 6 days. They are now telling me that my money will not be available until XX/XX/XXXX!! I had to get that money because I desperately need it and now they are keeping it from me. I had to evacuate from my house in North Carolina due to the hurricane and now I dont even have money to get back there or buy a dehumidifier for my house that flooded. It's my money and their explanation was not enough. I want to access it now. I need my money now. They just want a hold on my account because I was overdrawn and they want to collect all their overdraft fees so I can be more in debt before I get my money.
As a young person in today 's rapidly growing world I took it upon myself to get a degree to better my chances at having a better future. Unfortunately during my time at XXXX College and XXXX University I found myself, like most blue collar students, having to borrow money to make it through. I was told that not alot of places will lend to a student who does not have a high credit score, this made things more tense, until I was told that Sallie Mae could help. 

This was not really a blessing but a curse in disguise. At this time I was working a part time job as a XXXX not making anything and still had to work there even after my graduation in XXXX 2015 because the economy is bad and it became harder to get XXXX even after getting a degree. So a few months before my loans were due XXXX found myslef worrying about how can I be more proactive about getting on top of things and making my life easier. Well the answer I was looking for was never found. 

I called Sallie Mae about two months before and spoke with a representative about what i could do because it seemed like every loan I used from them was separate and had its own minimum payment and interest rate. I thought to myself this could not be right because that would mean i would have extremely high minimum payments and I would never pay this off living on a XXXX salary. Unfortunately my doubts were actually reality! The representatives I spoke with the first time told me that I was correct and that there was nothing they really could do at the time to consolidate them. 

At this time i was mad as all get out because how is that we go to college to become better yet we get stuck with tremendous amount of debt and hold us back from continuing our pursuit in academia. After speaking with a few representatives I get ahold of a different person they tell me that they can lower my payments from about XXXX to about XXXX. I am at this point tired of trying. They would never consolidate nor offer me the ability to add a cosigner. 

After this occured I gave up. I tried finding different loan companies that would consolidate but because I had so much debt no one would touch it because the loans ruined my credit score. Now at this time I am stuck and do not know how to fix my situation. 

So I call them back and ask again and i still do not get any help. Now remember, I started this way before they were due and now it is past due. Now it is almost two months past and they threaten me with collections. My credit score has dropped tremendously and now they tell me we can give you 2 % interest rate and a payment of XXXX per month. Um, excuse me but why did you not help me before when you knew i could not afford the original payments and now I have a XXXX credit score and stuck with a financial burden that already adds stress to my already stressful life seeing how my job is not particularly liked at this time. 

It has caused an undue hardship on me and my family and quite frankly it is not fair. I can not find anyway to get out or get help. So maybe this rant can help others and maybe bring attention to a problem that needs a lot of help fixing!
Just stated account updated i didnt receive no letter or info on account example repo how much sold for plus never received letter when car be sold to have chance buy back only phone call saying car sold
Trying to settle with Conserve who was outsourced by XXXX which is the company that deals with financial accounts for XXXX online. I do owe XXXX to the school. I lost my job and could not pay. I now am trying to pay and spoke to Conserve about a settlement. I will pay XXXX plus some fee, but not XXXX. Which they are trying to collect and not even negotiate. Even XXXX was trying to reach out because they do n't understand. I asked conserve where this excess fees came from, and they just said that they can tack on anything.
On behalf of XXXX, SW Credit Systems L.P is trying to collect a debt I never owed. I never signed up for this company in the past or had any affiliation with them at any point. Under the FCRA this debt should be deleted off my credit report since it was not verified. On my credit report it is saying that on XX/XX/2016, the account was opened and is now saying I owe an amount of {$240.00}.
I received my credit report from Equifax on XXXX XXXX, 2016 ( # XXXX ). I pulled my credit report form Equifax # XXXX on XXXX XXXX, 2016 and still have negative account info listed for # XXXX and XXXX. If you view the attached Equifax report it clearly states the history was deleted on report number XXXX ; however, this stilled displayed on my credit report. Also, all old address should have been removed from my profile as requested.
I obtained a new car loan from Bank of America ( BOA ) with terms of ACH bimonthly payments of {$500.00} for the term of the loan. In XX/XX/XXXX, I requested the payoff balance for the loan and duly liquidated the loan for the amount required. 

In XXXX I observed that an ACH payment had been made on the closed loan and requested reimbursement from BOA. BOA reimbursed me with their check # XXXX dated XX/XX/XXXX. I attempted to terminate the scheduled loan payments from my bank and subsequently found I failed in that endeavor. 

A second ACH payment was made on the closed loan and I requested reimbursement from BOA. BOA reimbursed me with their check # XXXX dated XX/XX/XXXX. I contacted my bank who assured me that ACH payments to BOA were terminated but one last payment gad been debited from my account. 

On or about XX/XX/XXXX I contacted BOA and was informed the reimbursement would be made in the coming days. After approximately on e week, I contacted BOA and informed them of the reimbursement non-receipt. BOA informed me that a mistake had been made and the reimbursement had not been dispatched but would be dispatched XX/XX/XXXX arriving in one week. 

BOA has failed in its duty to make timely return of my over payment, a fault wholly of its own making.
After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

Account Name : credit collection serv Account Number : XXXX Date Open:XX/XX/XXXX Balance : {$510.00} Account Type : Collection Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$510.00} Account Type : Collection Account Name : XXXX   XXXX  XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : {$280.00} Account Type : Collection Account Name : 11 XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$280.00} Account Type : Collection Account Name : XXXX   XXXX Account Number:XXXX Date Open:XX/XX/XXXX Balance : {$630.00} Account Type : Collection Account Name : 11 XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$630.00} Account Type : Collection Account Name : 12 XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$590.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX XXXX XXXX {$590.00} Account Type : Collection Account Name : XXXX XXXX card Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$120.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$130.00} Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$340.00} Account Type : collection Account Name : XXXX XXXX XXXX XXXX   Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2300.00} Account Type : education/installment account Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance : {$4900.00}, {$6100.00}, {$5000.00} Account Type : education/installment account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : {$2300.00} Account Type : education/installment account Below are companies who put fraudulent and unauthorized inquires on my credit report. 

XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX us, XXXX  XXXX, XXXX XXXX XXXX
On XX/XX/XXXX & XXXX, XXXX I had XXXX  tests conducted at a hospital which I charged to my VISA credit card. The cost was {$340.00}. 
I was told I would be contacted in a few days about the results. 
I was never contacted and since then I have made 7 failed attempts to get the results of the tests from the hospital. 
On XX/XX/XXXX I began the dispute process with the credit card company. 
On XXXX XXXX I mailed back a questionnaire with details to the credit card company. 
On XXXX XXXX, having received a response from the credit card company that the merchant certified that the services had been rendered, I mailed a rebuttal letter to the credit card company saying that although the tests were conducted, there is no sense in having tests done without getting the results, and requesting that the dispute be upheld. 
On XX/XX/XXXX I received notice from the credit card company that they were rejecting my dispute.
I was sent a letter by XXXX XXXX for a bill. She emailed me XX/XX/2018 the bill related to the fact I was unable to be reached. I received the bill via email and paid the bill by check. The checked was cashed by my bank XX/XX/2018. XXXX XXXX XXXX XXXX has placed a collection on my credit and stating is currently open and the amount is owed to them. I have outreached them to make them aware that the debt was not in collection per XXXX XXXX from XXXX XXXX and the bill has been paid and it is not an open case as it shows on my credit they have placed on my credit report ( XXXX )
I requested Transunion to correct the multiple accounts listed on my credit report and each time they fail to report accurate information. below are the accounts that I requested Transunion to correct, in the event they could not i demanded that they delete this inaccurate information off my credit. below are the accounts they have failed to provide me with thier method of verification and they have not corrected the accounts let alone delete them which per the FCRA the accounts need to be accurate and verifiable all which are neither. 

XXXX XXXX # XXXX - this account is charged off but the payment history is wrong. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off but the payment history is wrong. 

XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 

XXXX XXXX # XXXX - This account I was never late on. Transuion did not do a reasonable investigation at all and this item still is reporting incorrectly. 


XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. There are XXXX of these accounts reporting with difference balance. 

XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. There are XXXX of these accounts reporting with difference balance. 

XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 


XXXX XXXX # XXXX this account is not mine yet still continues to report despite how many times i dispute it. 

XXXX {>= $1,000,000} - this account is charged off but is reporting incorrect late payments.