WillisBack/dataset-financial-user-claim huggingface dataset:
I have been going back in fronth with diversified with settling a delinquent account they original inform me that if i settle the account it would be deleted from my credit report that never happened they also advised once the payment clear i would receive a letter confirming that which was never sent via email or mail.Upon recently reviewing my report the account was never deleted when i called back to ask why they then advise me they cant delete it only the original creditor can. i call XXXX and asked can they delete the charge off. they inform me diversified would have to delete it due to the fact that they reported it ( which makes sense ). At this point I'm tired of going back and forth between XXXX and the collection agency. The only reason i settled the account because i need to get a mortgage loan. I have now closed and I'm still dissatisfied that they lied and the reporting status I would like this charge off account removed immediately.
I had a 2 yr internet contract with XXXX XXXX XXXX XXXX for $ XXXX ona 24 month contract that began XX/XX/XXXX. I moved from the residence due to a separation from my wife and she moved also. I had a XXXX phone to accomodate the internet service and had it disconnected when I moved out per my request to XXXX XXXX XXXX. The Service provider continued to bill a closed account up until XX/XX/XXXX which over 1 yr and 4 months of an expired contract. This is the 3rd time this account has been added back to my credit report and it is in violation of The Federal Credit Reporting Act. XXXX different collection companies have had the account and when I spoke with Supervisor XXXX XXXX of Diversified Consultants Inc over 1 month ago I requested a copy of the contract that XXXX XXXX XXXX had provided to his firm concerning me. There was not one on file and he promised I would get it within 30 days. Per our conversation yesterday he will not provide a copy of the contract and XXXX XXXX XXXX is requesting a Written Distpute from me in which they already have a copy from XXXX. I am a XXXX Alabama XXXX and this error on my credit report hinders my Company 's ability to obtain Floor Plan Financing to purchase Inventory for my Car Lot and also make my Surety Bond higher. I need this item removed from my XXXX and XXXX Credit Report Immediately. I am presently trying to enter into a lease Purchase for a XXXX acre and XXXX sq ft building to Start a XXXX, XXXX XXXX and XXXX.
XXXX reported to the Credit Reporting Agencies that I made late payments from XX/XX/XXXX to XX/XX/XXXX. I was discharged from my Chapter XXXX bankruptcy XX/XX/XXXX and I have missed on payment in that year. They are reporting my late payments that occurred during my bankruptcy. They never gave me any notice during the bankruptcy that I was behind and instead falsely reported that I did n't make any payments for 8 months in XX/XX/XXXX. I have bank statements showing I paid the company every month accept XX/XX/XXXX and that is when I entered into a loan modification and was told not to pay that month. This false reporting has cause me not to be able to obtain lending. They should not have reported anything that happened during my bankruptcy they also never told me during the bankruptcy that I was behind making payments. Also, around XX/XX/XXXX I made a double payment and at the time asked them if I was all caught up on my payments to which the representative replied yes. They have a message that all phone calls are reported so we should be able to check the records.I have tried to dispute this issue with the company and the credit reporting agency to which they responded that they company is accurately reporting.
I and my sister are beneficiaries of an IRA owned by my father who passed away. I have submitted the proper paperwork to UBS Financial and they acknowledge receipt. They are witholding the funds because they state that they will not make distribution until they have all of the paperwork from the other beneficiary. I do not believe that there is a legal basis for witholding the money due me but they have been giving me the runaround. Of course this costs me money while they hold onto it as long as they can get away with it. They are a big organization and shuffle me around to anonymous people so I hope that you can help me break through to them.
The use of XXXX affidavit by myself and Attorney XXXX XXXX in an effort to show the existence of a material fact issues for trial were essential to the judicial process itself and the standards for affiant-submitted evidence that XXXX violated must be examined in this case. Due to the magnitude and importance XXXX XXXX Expert Opinion could have to safeguard Texas home owners TODAY, it was imperative that XXXX XXXX 's sworn submission be sufficient in execution and substance to ensure the integrity of his statement. XXXX XXXX demonstrates he does not understand the legal significance of his statements and opinions and should be advised that this behavior brings question to his integrity, ethics, and his lack of professional standards contribute to additional erosion in confidence that Texas residents rely upon from the industry he represents. 
The affidavit submitted by XXXX XXXX demonstrates his indifference to the potential for punishment and adds additional questions of moral value for all appraisal professionals in the state of Texas. The affidavit that was submitted by XXXX XXXX was utilized to protect the integrity of the truth seeking process and to support the integrity of my claims before the courts. At the interest of all future Texas appraisers, the affidavit XXXX XXXX submitted should be utilized as an object lesson for other appraisers offering Expert Opinions in the state of Texas on what NOT to do when supplying a sworn affidavit to the courts.
I received ER services on XXXX/XXXX/16. I provided my Medicare and XXXX cards for billing purposes. The debt was in the amount of {$1000.00}, XXXX XXXX XXXX never processed a claim according to Medicare but rather sent the bill to XXXX XXXX XXXX. I have records showing my multiple attempts in getting this resolved with both the insurance groups, the medical center and the collection agency. The collection agency reported it on my credit report BEFORE I received their notice to that affect. As a result, I just lost out on being able to refinance my mortgage. Even though I have once again sent claims to both Medicare and XXXX, I paid the balance in full. My 40 yrs of excellent payment history substantiates the fact that I take care of my financial responsibilities. As both a veteran and XXXX federal employee of 30+ yrs, I find this treatment and failure to communicate by all entities involved is appalling.
I had a mortgage with XXXX. In XX/XX/XXXX, I entered into a loan modification program ( attached ). My first new payment was XX/XX/XXXX. The schedule of payments due is detailed in the attached documentation. I made ALL PAYMENTS on time during this program ... .yet the bureaus indicate past dues in each of those months ( XX/XX/XXXX through XX/XX/XXXX with the delinquency accelerating all the way to 90 days past due. 

This is a violation of my federal rights for bureaus to report incorrect information. I disputed this and they left it on my file.
I opened a checking account with Bank of America after receiving a promotional offer. The offer was to give me XXXX Alaska Airline miles for opening an account and making XXXX direct deposits within a certain time frame. I completed the requirements within the specified timeframe and called twice to confirm with supervisors that I met the requirements before the promotional period ended. The supervisors confirmed I met the requirement on XXXX separate occasions. 
It has been approximately 7 months since I met the requirements and I have not received the miles. When I call BoA they keep transferring me and I do not get an answer. On XXXX occasion a person told me my deposits did not qualify but I told that person I was told twice already they did. The person said he would forward my request to the promotions dept but I never heard from them. 
To be told after the promotional period they deposits did not qualify leave me no recourse to rectify. I opened in good faith the account and did all I could to meet the requirements and verify I met during the promotional period. The result of what I got was long delays in responses, no solid answers, and no miles.
Experian has reported medical debt on my credit report in violation of its settlement agreement with the NY Attorney General, executed on XX/XX/XXXX, wherein its Experian 's XXXX XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX agreed that such debt would not be reported " when the date of the first delinquency is less than one hundred and eighty ( 180 ) days prior to the date that the account is reported to the CRAs. '' XXXX  XXXX XXXX has reported Account number XXXX as of XX/XX/XXXX, which services were allegedly preformed by a dentist less than six months prior.
On XX/XX/XXXX, I wrote to Experian and XXXX to get a Federal Tax Lien dating back to XX/XX/XXXX removed. The allowable reporting period of 7 years has been exceeded. Neither credit bureau responded or made a change to my credit report.
Bank of America failed to timely post *2* payments to my credit card in the past week ... which should have been simple transfers within the bank, from my checking/savings accounts. This is a PATTERN OF BEHAVIOR over the past year. Please hold them accountable. ( I will copy this report to Sen. XXXX since BoA is thoroughly unresponsive ... e.g. I 've been " on hold '' for over an hour. )
Santander Bank did not credit my checking account the {$150.00} bonus, and is unwilling to tell me the timeframe it will take them to credit the funds to my account. This is a direct violation of the account agreement that was set up when I created the account with the {$150.00} promotion code. I fulfilled the full terms of the offer by making a Direct Deposit of {$500.00} into the account and keeping it in good order for 90 days. I am deeply troubled that Santander 's customer service was unwilling to give me a specific date that the bonus would be credited, and that I now have to present this to them via the CFPB. This should n't have to happen.
After being discharged from Bankruptcy in XXXX XXXX, I began receiving messages from XXXX. After listening to a voice mail prompting me to call them back for a legal matter, I returned the call. I spoke to female that said I owed Chase Bank approximately {$2000.00} for a credit card loan I took out in XXXX. I told her that I had filed Bankruptcy and had been discharged and therefore did not owe the debt any longer. The female told me Bankruptcy did n't have anything to do with stealing over {$2000.00} from a credit card and the civil charges they planned on filing. She stated because I did n't pay the debt to Chase, they were going to file Federal Charges in XXXX hours if I did n't come up with the money. The female said that " borrowing money and refusing to pay it back is a Federal Offense ( Grand Larceny ) and I will be prosecuted and I will receive jail time, about 5 years. '' I never had an account with Chase Bank but I was caught off guard by the threat of Federal Charges. I called back and a male answered the phone. I asked for the attorney 's name and number who was handling my file. The male put me on hold and hung up the phone. I blocked the phone number when I realized it was probably a scam. 
This evening ( XXXX/XXXX/XXXX ), I received XXXX back to back calls from the another number, XXXX - XXXX XXXX ( Male who owns the company 's name is XXXX XXXX ). The same female answered the phone. She said her name was XXXX XXXX. She was with " XXXX XXXX ''. She told me that I owed a debt to Washington Mutual from XXXX. I told her I did not, never had an account with them. She went on to tell me that they were going to file Federal Charges against me for stealing money and refusing to pay the debt and I would be arrested. I told her I spoke to her before and this was a scam. She said that she would tell the District Attorney to proceed with the Federal charges and slammed the phone down in my ear. 
Upon investigation, I found the following information : XXXX XXXX XXXX XXXX XXXX XXXX, CA - turns out to be a false address. There is no XXXX, California. This address is valid in XXXX, OH, but it seems to be in the middle of a highway. 
Other consumers have received calls from the following numbers citing the exact same senario - XXXX ( number on website ), XXXX, XXXX ( registered in XXXX, NV ) and XXXX. 
The company 's website gives several ways to contact them for potential clients- XXXX ( main ), XXXX ( fax ), Email addresses - XXXXXXXXXXXXXXXXXXXXXXXXXXXX of this " firm '' has several aliases - " XXXX XXXX XXXX, " XXXX XXXX XXXX, " XXXX '', " XXXX '', " XXXX XXXX XXXX, and his Operator goes by the name " XXXX XXXX XXXX. This is extortion. They appear to be looking up people who have recently been discharged from Bankruptcy and trying to strong-arm them into giving them money using threats and made up accounts that people do n't even owe.
I have contacted Experian, XXXX, and XXXX about a collection on my account that the agency XXXX  XXXX  deleted. Its still reporting and dropped my credit score during the home buying process. I have disputed this matter through the credit Bureau, XXXX  and Consumer financial Protection Bureau. I contacted the collection agency through the CFPB and they said they was deleting it because its not my account but the credit bureaus are still reporting it.
I received a statement in the on or about the second week of XX/XX/2019 from HSBC bank. This account was fraudulently opened under my name, using my home address, date of birth, and social security number. After calling the customer service department at the bank, they told me to send a letter with the details and they would close out the account. I also went to a local branch and talked with the senior branch manger to get the account closed. She promised me this would be taken care of within 5-7 business days. On or about the second week of XXXX I received my second statement that the account was still open and getting interest. I then called the local branch manager to let her know the account was still opened, and she told me per her corporate office it sometimes takes longer to close out an account under these circumstances. I have not heard back from her as of today XX/XX/2019..
LIST OF HARD INQUIRY THAT WILL NOT DISAPPEAR OFF OF MY REPORT XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 I bought a car on XX/XX/2018 and was told that the hard inquiries would not stay on my credit report. A month later these are still on my credit report and affecting my credit score.
I have requested inaccurate and unverifiable inquiries be removed from my credit report via FCRA laws. I have requested written proof be sent to me and this was not done. I was the victim of identity theft and I requested that theses inquiries be removed ASAP and this never happened
I am trying to clear account errors on my report! These accounts are not mine. Under the 605 B act These accounts should not be reporting. It is illegal! I have submitted this information already and I have informed all three credit reporting agencies that these accounts are not mine. Please Remove them immediately!! XXXX XXXX- No knowledge of this account! XXXX XXXX XXXX! No knowledge of this account! XXXX XXXX XXXX No knowledge of this debt! XXXX XXXX-No knowledge of this account! The following inquiries were not authorized! XXXX XXXX XXXX XXXX XXXX Please Remove this information immediately!!
A XXXX, XXXX, has been attempting to collect debt I do not owe for over 5 months now. 
My physician 's office, The XXXX XXXX XXXX, is responsible for this debt. 
I have provided a receipt showing that I paid The XXXX directly for the services rendered by XXXX on XXXX/XXXX/2016, which I explained in a fax to XXXX dated XXXX/XXXX/2016 and subsequent phone call on XXXX/XXXX/2016. 
On XXXX/XXXX/2016, the secretary at The XXXX XXXX XXXX also confirmed with XXXX that this bill was sent to me in error. 
I have explained the situation again in a letter dated XXXX/XXXX/2016 in which I asked XXXX to stop all communication with me about this debt. 
XXXX never acknowledged any of my communications. 
On XXXX/XXXX/2016, I received a communication from debt collector, Stevens Business Service. This now feels like harassment and poses a threat to my credit history.
US Bank issued Master card gift card failed to work on Point Of Sale and vendor is unable to identify why it failed. Called number back of card and they too do not know why it failed. They are not willing to return fees since failure.
Capital One placed a Judgment against me in 2011 for a debt I owed. My paycheck was garnished until the debt was satisfied. I have the satisfaction letter from the courts that the debt was paid. Now years later I am being harassed by the company Capital One uses to handle their collections. They claim I never paid the debt and are trying to get me to pay more money to satisfy the debt a second time. I have repeatedly told them that it was already taken care of and they will not listen. I try to call Capital One directly and they transfer me back to the collection company. To make it worse, Capital One is still reporting to the credit bureaus that I owe them money. I have sent numerous disputes to the bureaus to have this corrected and they are violating the Fair Credit Reporting Act by still reporting the balance. 

Please please help so I can move forward with my life!
I am a single parent and co-signed my daughters loan in 2010 with Sallie Mae. Her father co-signed subsequent loans. I just discovered this year that my interest rate is well over 11 % while her fathers is in the 8 range. We have similar credit histories and salaries. I feel as though I was discriminated against.
I received a variety of quotes from reverse mortgage vendors and originally Global Equity provided one of the better quotes. However ; during the process of gathering information one of the vendors offered a XXXX cost loan. Global Equity offered to match and I decided to stay with them. When I received the final  paperwork the XXXX cost loan offer had been retracted and I signed the paperwork under protest. See letter sent to Global Equity in XXXX of 2018 and email received from Global Equity offering XXXX cost loan. 

XXXX XXXX XXXX
The company " Navient '' recently raised my monthly premium with no communication or authorization from me. Navient employees harassed me with phone calls, some times as many as 6 a day stating I was past due on my account even though I authorized them to withdraw a specific agreed upon amount on a monthly basis for specific amount of time. Also, the company " Navient '' does not offer sufficient payment options to their customers. For example, the only option to pay online is a withdraw from a checking account.
Delete this account below is a copy of my police report proving Im a victim of other Id theft as well from other companies Im Not able to make a policemans report about this cause its been over 6 months XXXX XXXX XXXX  capitol one 360 XXXX XXXX  and XXXX XXXX  all are reporting I have opened accounts with them on cheksystems which is not true my identity has been stolen XXXX XXXX already confirmed I never opened a account with them in 2016 now are saying I opened another account with them I never had a bank account with any of these Institutions I am a victim Of Other fraud credit cards being opened in my name my social Security and drivers license card were stolen these are police reports from Other companies to prove I am a victim Of Id theft the cops wod not allow me to make a police report for the banks cause its been over 6 months I dont live in XXXX XXXX never did yet its under my social
i received XXXX past due statements for loans in my name which i hadve never applied for/had no knowledge of -- from CashNetUSA. ( there are numerous online complaints about this company ). 

however i dont know if someone fraudulently opened a loan acct with cashnetusa, OR if the people at cashnetusa are fraudulently just trying to get me to give them money. 
my credit has been locked down for months and there is no record of this fraudulent loan on my credit report ( verified today ). 
XXXX notice last month was for {$990.00}. 
XXXX notice yesterday was for {$3800.00}. 
do I need to do anything
Debt to XXXX was satisfied when account was closed and all equipment was returned, XXXX 2014. NO further contact from XXXX XXXX, however, 13 months later this " collection '' shows up on on my credit report. NO prior written or phone communication. I have attempted to contact this Debt Collector and can not get any information pertaining to my account from them.
Transunion can you view the FCRA SECTION 609 AND SECTION 610 FEDERAL LAW? AND EXPLAIN TO ME AND THE FTC WHY YOU DO NOT FOLLOW THIS FEDERAL LAW? 
IF SO DO YOU GO BY THIS LAW YES OR NO? IF YES EXPLAIN WHY YOU HAVE NOT SEND ME THE ORIGINAL SIGNED DOCUMENTS THAT I BEEN REQUESTING FROM YOU FOR MONTHS ARE YOU AWARE THAT YOU ARE BREAKING HE LAW? PLEASE EXPLAIN THE LAW CLEARLY STATES ME AS THE CONSUMER HAVE THE RIGHT TO ASK YOU FOR THE INFOMATION PLEASE READ THE ATTACHED DOCUMENTS AND ANSWER ME AS TO WHY. THANK YOU THE LAW DO NOT SAY ANY THING ABOUT CONTACTING THE CREDIT IT SAID UNPON REQUEST CONSUMER REPORTING AGENCY THATS YOU ...
REPORT # XXXX I've requested your help and removing some fraudulent accounts this is not the first time that I've asked you to help me Experian is the only credit reporting agency that lease account still show up on but instead of helping you send me a letter saying you want recent copies of official reports filed with appropriate agencies you understand there is no recent reports the identity theft happened 6 almost 7 years ago and I'll be honest Experian is well aware of the problem this is not the first time I've contacted you for your assistance but you continue to give me the runaround I have sent this information to you many many years ago there is nothing recent there shouldn't need to be anything recent I want a supervisor to take over I don't want the fraudulent accounts and all the other inaccuracies to be removed from my credit report I don't understand if all the rest of the credit reporting agencies did this years ago why Experian is having such a hard time with it I gave them all the exact same information and they were able to fix my credit report but Experian for some reason doesn't seem to be able to do the same thing that XXXX XXXX places like that I can do without any issues why is that? In addition to the police report you're asking for copies of my ID which I have already sent you in the past I have not moved I've lived at the same address for almost 10 years at this point do you already have all my information sending copies of everything in the mail is only putting me at risk for more problems that you clearly aren't going to fix