WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a home in XXXX, XXXX immediately after my divorce in XX/XX/XXXX. In XX/XX/XXXX, I had to relocate to XXXX, XXXX for my job so I rented the house and subsequently went through a nightmare situation with the renter, who did n't pay me for a while and finally did leave. I then put the house on the market and several months after, realized that any offer I would be able to obtain would require me showing up to the closing table with several thousand dollars that I did not have. So I started into the short sale process with US Bank, Account number XXXX, property address XXXX XXXX XXXX, XXXX, XXXX XXXX. After several months I finally received approval from them, and we began to collect offers. We went though several iterations of getting an offer, beginning the negotiation process with US Bank, the entire process taking so long that the buyers would walk away. Even one buyer invested money in fixing the house up so that it was pass inspection for his lender, but we could never get a response on the offer from US Bank. So the buyer walked away, we found another buyer, then US Bank would say my paperwork had expired and I had to reapply. So I would do that, several months later get approved again, obtain another buyer, only to have it fall through because of no response from US BANK. At this point we are approaching three years since I began the short sale process with US Bank. The home has been sitting empty and is nearly falling in at this point. I live hours away and can not maintain it. The most recent offer came XX/XX/XXXX and was for XXXX, the bank had stated the offer needed to be at least XXXX for it to work. Months after submitting the offer, the bank told me the paperwork had expired and I had to reapply for short sale approval. I did this and only a few months ago got approved, the buyer was still interested. So we started moving along and then my representative quit US Bank, the last email she sent was saying that everything was approved, and we were just awaiting approval letter. Now they are telling me it is n't even approved, even though I have an email from this person saying it was. My house has declined in value so much at this point I do n't know I can ever get another buyer. I have been threatened with foreclosure multiple times even though I 'm doing everything for short sale. My understanding is that other people in this situation are able to get through the short sale process in about a year, and I 'm approaching three. I qualify for this program due to relocation for my job, so I 'm not sure why US Bank is treating me this way. The damage that has been done to my credit is something you ca n't imagine, I could n't get credit for anything at this point. Even my car insurance rate is through the roof, I have no access to any credit in case of an emergency, and when I had to trade cars last year I was nearly declined even for that. I now pay more than anywhere near fair market rate because of this situation. XXXX XXXX. I really hate filing this but honestly do n't know what else to do.. plenty of other people have been able to sell their house via short sale, I 'm not sure why not me.
I have contacted this company three times. They continue to call and send letters stating the debt is mines. I have told them debt is not mines. But they continue to send a computer generated bill from the actual creditor. They are also contacting me claiming to be an attorneys office which is against the law.
I made an arrangement with American Express to pay down my balance over time, rather than allow my credit card account to become delinquent. They set up a payment plan for me, which I have kept current, and they have been telling the credit reporting agencies that my account is past due. Currently, the notification is that my account is 120 days overdue, even though I am current on the agreed-upon payment schedule which they set up for me. American Express is destroying my credit rating even though we made an agreement for me to pay down my balance over time.
30 Day Late listed on credit report. I sent the correct documents to validate and support my claim. The account have been removed from the other two major bureaus, but Equifax has yet to address the issue, remove the account or at least the 30 day late and the balance reported.
I have made a payment each month as required to my account from day one to Synchrony Financial. 
After they receive my payment in the month due, if it is received a day early, they will post my payment to the previous month and then charge me a late fee for the month that they received the payment a day or two early.
I had XXXX service for television, internet, and phone in a townhome I owned in XXXX. I sold that property to move into a XXXX, XXXX in XXXX, IA. I contacted Moving Matters, a moving company that specializes in moving seniors into retirement communities. They pack, help downsize, and their designers set up your apartment in the community. I had a cable box, modem and all the hookups needed for the above service. I assumed it was all packed and taken to the XXXX. I checked with the moving company and they said their records showed all items moved as promised. However they told me I would not have needed a cable box at XXXX as the cable was sourced through XXXX. If a resident had a flat screen no cable box was needed. I know I was using the same modem as I used in XXXX or one very similar. ( Model Name-XXXX, XXXX, XXXX ) I lived at XXXX very close to a year and for personal reasons decided not to stay after my grace period of 365 days. In all the time I lived there I was never asked about the cable box or any of the equipment issued to me in XXXX. I still maintained the internet and phone so XXXX had my address and contact information. 

I had lived in XXXX for at least four or five months when I got my first collection letter. This letter was my first knowledge of this debt. 
Date XX/XX/XXXX ; Original Creditor-XXXX ; Account # XXXX I have the Modem ( Model Name-XXXX, XXXX, XXXX ) in question and a HDMI cable that is XXXX 's I think. I do n't know what happened to the cable box from XXXX. Common sense tells me it was in my apartment when XXXX set up my XXXX system. I was not missing anything other possessions that I had marked for the moving company. 

I have several problems with this claim. 

1. If it is customary to return these items and the information I received with the present system made it clear that is the case, why was I not asked for the XXXX Cable box, Modem and other hardware when I left XXXX? 

2. What was used to hook up my system in XXXX? I would like to see the records of the installation in XXXX to check the Serial # of the modem used against the serial # of the modem installed in XXXX. 

3. Did the installers see the XXXX cable box when they hooked up XXXX. XXXX has assured me that XXXX does all the installation. 

XXXX only handles the equipment they use to distribute the signal. So their technicians would not been involved in my apartment set up. 

4. Why was I not notified of this debt before it got to collection?
Equifax has made false allegations, and caused me a great disservice ... the erroneous negative reporting is affecting my life, and now they are stating that they will not provide an answer through the cfpb 's portal, because I may be using a credit repair company or clinic ... I am not, but even if I was it is at my discretion, and it is my right ... 
Can they just abide by the F.C.R.A. and act accordingly? 

this is an unjust tactic or measure they use often according to other consumers ... I want the items removed and an apology for the false claims ... litigation may follow indeed ... 

These accounts were settled with the original creditors, and no contracts exist with collection agencies and no validation has been provided, because it does not exist, and creditors have been contacted ... and I am yet to even receive the false investigation from Equifax ... 

XXXX XXXX {$82.00} XXXX XXXX {$75.00} XXXX XXXX XXXX  XXXX {$1400.00} charge-off
I was alerted by the fraud department that my Direct Express debit card issued by  XXXX  for  XXXX  payments had been charged excessively in a short period of time. I asked them to cancel the card and I filed an official dispute complaint with them. This was  XXXX   XXXX ,   XXXX  . The charges were made from a foreign country and I was told the investigation would take up to 90 days. I have called periodically and furnished them with detailed transaction information. I learned the fraud company had used  XXXX  to access my funds which were taken from the Direct Express master card. So I also filed a complaint with  XXXX  per Direct Express instructions. I was refunded partially by  XXXX , they explained that they could not recover all the funds as the money was not in the fraudsters account. So I went back to Direct Express. They told me that they had stopped investigation since  XXXX  had issued partial refunds. This is unacceptable. I had over {$2500.00} taken, all in small amounts of  XXXX ,  XXXX ,  XXXX ,  XXXX  etc. amounts. About 50 transactions. I believe I have been refunded only {$300.00} or {$400.00} thus far. Every time i have called Direct Express I have not been able to get them to release the remainder of my money. I am  XXXX , I need to pay my property taxes which are now overdue. I have no other income source or savings and I can not afford to take this huge loss. I have faxed the information to DIrect Express and  XXXX . I have tried to be patient. I have asked for them to escalate my issue at Direct Express. I have been told I can not directly speak to anyone in the fraud department or a manager. I have to call them. I live in a remote part of the   XXXX   XXXX   and have to be driven into the closest town , 25 miles  away to get a good enough cell signal to talk to them at the number printed on the back of the card. Can you please find a way to help me recover the rest of my funds? I called them  three  times  XXXX   XXXX , and the call kept getting disconnected when they put me on hold. I begged them to call me back if they disconnected me and they said they could not make outgoing calls. I have received no mail or calls from them. All the contact I have made has been me calling them asking for a status update. I ca n't keep waiting and re explaining myself every time. I am taking daily prescribed medications that make me groggy. I do n't have anyone to help me fight this battle. If this was a normal bank I would have been given some kind of provisional credit to use while the investigation was underway. I have a hard time expressing myself and sense of urgency in a way that gets results. Please help.
Experian is charging {$10.00} to freeze and unfreeze my credit report. They changed my temporary unfreeze into a permanent unfreeze so now it 's {$20.00}. This is an insane amount for a simple service that improves consumer security. Let me control access to my information.
EXPERIAN is still reporting a CREDIT CARD/LINE FROM XXXX 
Account Number XXXX Account Type Unknown Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated XX/XX/XXXX Balance
We had a   XXXX   bill and it was paid.  XXXX  messed up the billing and somehow said we owed a amount that is not owed. We have contacted  XXXX  and have on a recorded conversation that this debt is not owed.The conversation between myself and a  XXXX  representative clearly states that a  XXXX  balance is owed. And he would get me a statement showing so.He also clearly states that the collection company needs to update it on there end. And cease with any further attempts to collect on this debt. As it is not valid.   I have spoken to focus recievable management several times including the floor supervisor. They always say this will be taken care of and they will get back to us, But then we never hear from them. They have a copy of the recorded conversation as well. And refuse to acknowledge it.This is in violation of the FDCPA especially when we have a recorded conversation stating from the original company that the debt is  XXXX .   Attached is the recording which clearly states that there is a  XXXX  balance due. I also have attached the final payment we paid to them for proof.
I filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX XXXX accounts on my credit report. The all have the same status updated date of XX/XX/XXXX. ( The accounts showing are listed below ) Have three XXXX student loan accounts with the same open days but different amounts owed. 

1. XXXX Loan 1- {$8500.00}, status : transferred, closed/Never late. 
2. XXXX  Loan 2- {$10000.00}, status : transferred, closed/Never late. 
3. XXXX  Loan 3- {$19000.00} closed XX/XX/XXXX was included in my bankruptcy and is labeled as Chapter XXXX. 

The response from the credit bureau states the account was updated, but they are still on my report.
I have received my results from experian in which they claim my personal wrong information has been deletes but in reality all wrong personal information is showing and affecting my credibility with financial companies.
Wiring funds domestically or internationally should not be this difficult for a tax paying, law abiding citizen. The foreign entity used is simply incompetent in computing a successful transaction. 

On XX/XX/XXXX {$2500.00} USD were wired to my biological sister for a surprise gift to my nephew who just graduated XXXX XXXX. On XX/XX/XXXX my sister called to say that the funds were not available to her. Upon calling Moneygram on XX/XX/XXXX, a customer service representative who called himself XXXX explained that he needed to verify a few things : My full name, address, name of a highway near my home, my age, the receiver 's name, age and purpose of the money. All of this information was provided to the customer service representative. 

This form of questioning was quite perplexing. I told XXXX that I'd been using Moneygram for over 20 years -wiring to XXXX , XXXX XXXX and XXXX XXXX.The reputation of my use of this company should vouch for itself. I have had to verify the funds wired internationally and I greatly appreciate that. But this domestic transfer questioning was too extreme. 

XXXX asked me if I was comfortable with him asking the questions. I asked him what does my being comfortable have to do with my sister being able to pick up the funds I wired her. He said, " If you are not comfortable with my questions, I will refund you your money. '' I told him that I will answer the questions ( as I did ) so that my sister can pick up the funds. But the questions are a bit extreme. I even laughed about that. 

XXXX became defensive and stated that " Since I ( the customer ) am not comfortable with the questions he ( XXXX ) is asking, then he will refund me my money. '' Again, I told him that I really wanted my sister to collect the funds to day for nephew 's surprise gift. XXXX refused to complete his interrogation. So I asked him to allow me to speak with his supervisor. He said he would allow me to speak with someone AFTER he refunds the money. 

I REALLY FEEL THAT IF THIS SITUATION WAS HANDLED BY DOMESTIC CUSTOMER SERVICE REPRESENTATIVES, I WOULD NOT HAVE HAD THIS KIND OF AN ISSUE. XXXX was not professional. He did not have good customer service skills. He refused to assist me in a professional manner. 

I contacted moneygram immediately after this disappointing situation. After explaining that I needed to make formal complaint and being placed on hold for 4 minutes, the first called was dropped. The second call was answered by a nice lady by the name of XXXX. She listened to my complaint and requested that I hold so she could transfer me to someone. I was transferred to XXXX who said that he was not a supervisor but a equal to XXXX. XXXX and XXXX apologized for XXXX 's impromptu decision to refund the transaction. XXXX told me that I can complain on the online moneygram site. 

Wiring funds domestically or internationally should not be this difficult for a tax paying, law abiding citizen. Perhaps the federal government should only allow wire transfers to be completed by banks regulated by the federal government. The foreign entity used is simply incompetent in computing a successful transaction.
I called the company on XX/XX/2018 to work out payment arrangements. After finding out the original creditor went out of business and merged with XXXX XXXX XXXX I call to work out a payment plan. After going through the verification process they told me my agent was a woman named XXXX. After speaking with XXXX I informed her that I could make a payment of {$50.00} and start to make monthly payments to satisfy the debt. She informed me that they could not make payment arrangements or partial payments and the debt needed to be satisfied in full or she would turn me over to her legal team and that it could have negative impact to my credit. She then stated that they would need to do an asset verification on me to see where they could transfer the debt to another one of my accounts that has nothing to do with this debt. At this time I got off the phone with the lady, due to the statements she was making.
I sent a Request for Information on behalf of my client, XXXX, to Evergreen Home loans requesting information on both her XXXX and XXXX mortgages. Evergreen is servicing XXXX mortgages. Evergreen failed to reply to both Requests. My client was eventually forced to file bankruptcy to stop a foreclosure that was initiated by Evergreen on her second mortgage. We were never able to understand how Evergreen calculated the amount she owed on her XXXX mortgage.
On XX/XX/2018 I sent a certified letter to Receivable Solutions advising them to cease and desist all attempts to collect this debt. In this letter I advised them not to contact me, or any third parties regarding this debt. This letter was delivered and signed on XX/XX/2018. 
On XX/XX/2018 I received a telephone voice message from Receivable Solutions in which I saved on my answering machine. They clearly disregarded my request to stop the telephone calls.
I disputed the trade line on my credit report titled XXXX XXXX XXXX Acct # XXXX. Equifax is reporting status 60-90 days late, This is incorrect the account status should be paid as agreed, Closed. Equifax is reporting 30 days late in XXXX 2015 this is not correct, also reporting 90 days late in XXXX 2015 also not correct. The trade line is in the negative account section even though it is a positive Acct. Equifax refused to correct and claims they verified. However I verified myself with the creditor, and it does not appear the Equifax actually contacted anyone.
There is a collection for {$3700.00} from XXXX XXXX  on my report that I never incurred or signed for, can't imagine what it is. I'm XXXX yrs old and this is very distressing. 

The collection agency is listed as : CAINE & WEINER COMPANY INC an internet search comes up with their site as : https : //www.caine-weiner.com/
On XX/XX/XXXX I sent letters to Harley Davidson and XXXX XXXX requesting that they update my credit report. Both companies are falsely reporting my account as 90 days late even though both accounts were paid in full in XX/XX/XXXX. By not properly reporting the accounts as current or closed ( as all other companies do ) they are  affecting the algorithms which cause a negative effect on my credit scores. If they believe that I was late, that is reported in the history. Harley Davidson is still reporting this account as open on XXXX even though this account was paid off in XX/XX/XXXX. Both Harley Davidson and XXXX are reporting a late payment in XX/XX/XXXX on XXXX. This appears to be an attempt to re-age this account. 
I noted that only the auto industry reports this way, all other accounts are reported differently, and it appears that XXXX XXXX may also be complacent in this process. Sense most consumers who buy new vehicles are likely to upgrade every 4 or 5 years and the credit reporting agencies report these records for 7 years, this does affect consumers when purchasing another vehicle ( as well as other credit ). 
Neither company reported the account as disputed within the 30-day time period allowed. XXXX received and signed for a certified letter on XX/XX/XXXX and Harley Davidson sign for a certified letter on XX/XX/XXXX. I have copies of the certified letters as well as my credit reports showing that they never notified the Credit Reporting Agencies the accounts are disputed. 
Both companies are in violation of 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
I sent a certified letter to the company on XX/XX/XXXX, requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. I requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I advise them any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if they could not validate the debt, they must request that all credit reporting agencies delete the entry. That failure to respond within 30 days of receipt of the certified letter may result in small claims legal action against their company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 
They signed for the letter on XX/XX/XXXX at XXXX XXXX. They did not respond to my letter at all. They also failed to mark it as disputed on my credit reports. This is a violation of federal and state laws.
i contacted DFAS to get this information updated on my account and have disputed this account with the credit reporting agencies. This account shows a balance on it and needs to be updated as paid in full. the accont still shows it is in collections.
First Off, I have a secured card limit of {$350.00} The invoice read due, {$370.00} At the beginning of XX/XX/XXXX. I maid a ACH payment of {$360.00} to the card The next two business days, the payment was reflected on my account and I had a XXXX balance. I had available credit of {$330.00} and change. 
Two days later, my bank had sent them a check draft for {$370.00}.
After they received this additional payment, they put a hold on my existing available credit pending the 10 day hold release from my over payment. 
When I asked them why they did this, they stated that when a customer make two payments, their account is immediately put on hold until the funds were cleared. 
When I asked for those additional funds to be placed in my secured savings deposit, they said they could not do that and that I would need to send that money to another address. 
INSANITY.
Incorrect Status being reported on by   XXXX   CRA.     Entry by   XXXX   XXXX   XXXX   XXXX  : Owed {$340.00}  XXXX   XXXX   XXXX .   XXXX   XXXX    XXXX , NH  XXXX  Credit reporting agency is documenting a claim by   XXXX   XXXX   XXXX   XXXX  on my credit report that I owe  XXXX   XXXX  a balance of {$340.00}. This amount has been paid to  XXXX . My bank is reporting this as rebilled (  XXXX   XXXX ,  XXXX  ) and paid by me to  XXXX .   The original payment was made by Cred it Card (   XXXX   XXXX ,  XXXX  ), dispute d (   XXXX   XXXX ,  XXXX  ) and the dispute w as withdrawn/rebill  (  XXXX   XXXX ,  XXXX  ).      XXXX  Contact by me :  XXXX   XXXX ,  XXXX  letter  XXXX   XXXX ,  XXXX  Letter   XXXX   CRA falsely reported unpaid  XXXX  balance was disputed  XXXX   XXXX .   No action taken returned to me by   XXXX    XXXX   XXXX , I possess and presented  XXXX  proof of payment.     Submitted credit card statement showing rebill for {$340.00}.