WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a reinvestigation dispute into a collection account that Experian is reporting on my credit report. The account in question is a XXXX XXXX account that is reporting incorrectly. I first disputed due to the fact that I have no contract with XXXX XXXX and Experian is allowing a fraudulent account from XXXX to report on my credit report. Experian provided no documentation once the investigation was complete so I submitted another dispute on XX/XX/2017. I received notification that the dispute was completed on XX/XX/2017, however, no documentation was received from Experian regarding how this account was verified. Being that this Experian reinvestigation took only 11 business days, there is no way that XXXX could have verified this account. I am still waiting on a copy of the original contract containing my signature to be sent to me. Experian has failed and neglected to send me any proof that the reporting account belongs to me. Under the FCRA, Experian is mandated to delete any information that can not be verified. They are in violation of 1681 ( a ) ( 4 ) of the FCRA.
I filed chapter XXXX bankruptcy in XX/XX/XXXX. In my filing I informed Chase Mortgage that I would not be reaffirming the debt and I would be surrendering the property. Once Chase received the chapter XXXX notification with the notice that the loan would not be reaffirmed, Chase sold the mortgage to XXXX XXXX. I am not familiar with the mortgage laws concerning purchasing or selling mortgages but it would appear that Chase knowingly sold a mortgage to another mortgage company knowing the status of my bankruptcy filing. I was discharged in XX/XX/XXXX and now XXXX XXXX  is showing the same mortgage on my credit report in a negative status. So, now I have the same mortgage showing twice on my report by both Chase and XXXX. I realize that the Chase mortgage would report negatively on my credit but I should not have the same mortgage reported twice, negatively. As a mortgage lender, Chase Mortgage would know that these circumstances would occur, creating dual reporting by separate Mortgage companies.
I had an account with USAA about 6 years ago, there was a deposit made by the XXXX XX/XX/2018 to that closed account. I called to recieve funds from the closed account, and USAA decided to mail the check to an address i no longer reside. When i asked USAA to stop payment on the check they told me i have to wait 90 days from today XX/XX/2018 in order for them to stop payment, then they would send the new check to my current address. I asked to speak to a representative, and i was told i wouldnt hear anything back until a couple days.
Sun Trust Bank has been charging my account for seven years XXXX dollars ( XXXX $ ) every month for not having XXXX XXXX as a balance. I would never have agreed to that as I sold my home in 2008, and worked through most of my savings, when I moved from XXXX to XXXX. 

I have not had XXXX XXXX more than two or three months of that whole time.. and want the bank to return that fee for using their bank .... as it adds up to about a XXXX over five or more years. 

I told their bank to stop sending me paper statements, and I would l look online and never saw the fee online.. soo when I saw it the other day, and asked they told me that was the reason that I explained above. I think they had added it when I first deposited the amount from the sell of my home? I think if they see a customer has for years? Or months? have not ever had a XXXX XXXX dollar balance, and they keep charging that, it is unconscionable. 
I do plan to hopefully sell some property in the future, and if I do, i will not deposit that money in this bank, due to the loss of any trust that they watch out for their customers.
I have a checking account with BMO Harris ( the bank ) and am required to maintain a balance of at least {$2000.00} to avoid a monthly charge. I looked at my account online this afternoon and discovered that the bank assessed a {$15.00} charge to my account on XX/XX/2017. I contacted the bank and asked the customer service representative ( the rep ) with whom I spoke the reason for this charge. She stated that it was due to my account balance decreasing to less than {$5000.00}. I informed her that I received a notice two or three years ago stating that I must maintain a balance of at least {$2000.00}, but that I was unaware of the requirement to maintain at least a {$5000.00} balance. I asked her when my account terms changed and when the bank issued the notice to me. She reviewed the account further and confirmed that I was only required to maintain a {$2000.00} balance. She stated that the fee was assessed in error and that she would reverse the charge. However, I believe this error, without the rep even understanding why it occurred, reflects a major flaw in the bank 's compliance management system.
Southwest Credit is reporting on my credit reports that I owe them {$150.00}. I have never heard of this company nor do I have any debt with them. They said they are collecting on behalf of XXXX. However, I haven't had a XXXX account in over 10 years and that account was closed and paid in full. I asked Southwest Credit to provide proof that this debt was mine back in XX/XX/2018. The company has yet to respond nor do they follow up with my request.
I have disputed a inaccurate information pertaining to a chapter XXXX bankruptcy that is showing on my Equifax Credit report on more than one occasion. Each time Equifax "investigates" the inaccurate information they respond back and say that the information has been verified through the 3rd party company "XXXX XXXX". There is a chapter XXXX bankruptcy with case XXXX  showing on my credit report with a filing date of XX/XX/XXXX. I have contacted XXXX XXXX as well as the IL Fed Bk Ct and they show no records of a bankruptcy being filed by me with case # XXXX on XX/XX/XXXX. But yet Equifax insist that the information is correct and has been verified. Further more XXXX XXXX states that they have never verified this information to Equifax nor any other credit bureau as this information does not exist. I have contacted Equifax on several occasions to have this inaccurate and unverified information removed from my credit report as required under the FCRA since the information is not accurate and can not be verified as accurate. Equifax continuously violates my rights under the FCRA and and deliberately lies in their responses to myself and the CFPB.
I started receiving calls that were a recording saying they were a trace service trying to get in touch with me. They started calling my brother 's house also. I talked to a company called NPG and they said they are a collection service for my original creditor, XXXX XXXX XXXX. They told me that I received a {$500.00} payday loan back on XXXX/XXXX/12 and I have not paid. I told them that was not me and that I did not get a loan. They told me then it was someone close to me who used my information to get the loan and that it belong to me and I had to pay. I told them to send me a contract showing where I signed for the money. They sent me their paperwork on their letterhead stating I owed them {$510.00}. The letterhead states " NP Group '' but the first sentence of that " demand letter '' says a company called " XXXX XXXX '' has purchased my account and placed it with NP Group. I did n't apply for this loan, did n't get this loan and I 'm not paying for this. They said they tried to get money out of my checking account but were n't successful so they are demanding I pay over the phone. They are harassing me and my brother 's family and it has to stop.
On XXXX, I was speaking to a young lady by the name ofXXXX XXXX about a business venture where I would pay her {$50.00} to get started and she would " run '' some numbers and send the profit back to me. This conversation happened Thursday of last week and I ended up sending {$50.00} to her by XXXX XXXX on XXXX/XXXX/2015. Then I got several calls and texts from someone name XXXX XXXX and when i tried to call XXXX back, no answer. Every since then this XXXX XXXX has taken over stating that XXXX did n't complete the transaction correctly. Yesterday I ended up having to send anther {$50.00} to XXXX XXXX by MoneyGram and still no profit. I called last night and today asking and demanding my money and his response was " these NUTS. " I just want my {$110.00} ( Money sent plus fees )
I called XXXX and cancelled my service in early XX/XX/XXXX They did not cancel my service until late XX/XX/XXXX when I called because I received another bill. I went with XXXX on XX/XX/XXXX and cancelled the same day With XXXX. I have desputed it with them on several occasions. They have sent to several collection agencies and each time I have proven I did not owe the bill.
Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX XXXX. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to Ally that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX XXXX paid XXXX XXXXXXXX  in full
It is showing on my credit reports that Preferred Credit did a hard inquiry on XX/XX/17. An inquiry/letter was sent to the company to provide explanation for the hard inquiry. Preferred Credit responded by stating that my credit was pulled on behalf of XXXX. I have never visited XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received any services or financing from XXXX. XXXX is an unknown company.
I have tried multiple times to get Equifax to remove/correct certain accounts that are reporting on my credit report and each time they have failed to follow the FCRA or the FCBA. They have for months now violated my consumer rights and have not provided me with a proper method of verification nor have they corrected the status of the accounts i disputed. Each time I asked equifax to either correct it or delete and all I get is an automated response back with no changes. below are the accounts that are not resolved. 

XXXX XXXX XXXX XXXX # XXXX - this account is paid and closed but is reporting incorrect payment history. 

XXXX # XXXX - this account is charged off yet is reporting a balance which is a violation of the FCRA and FCBA. This account needs to be removed. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off yet still reporting a blance. I have tried many times to have this corrected and Equifax does nothing. 

XXXX # XXXX - this is a charged off account yet again reporting a balance. Equifax did nothing again to resolve this.
I sent Navient special instructions ( through their website email service ) on how I want my payments applied to my student loans. The response I got not only did n't confirm the usage of the instructions I provided but also told me the only way to have those instructions applied is to send in a check with instructions every month. Does Navient have to apply my special instructions regardless of the fact that they were communicated via email? And why do I need to recommunicate them every month -- and why is it somehow not applicable to my autodebited payment?
This is a follow up complaint to XXXX-XXXX, in which 1 ) XXXX, working on behalf of XXXX XXXX Hospital, claims I never revoked TCPA consent and 2 ) Focus Recovery Solutions, collecting on behalf of XXXX XXXX Hospital contacting me illegally with an auto-dialer. I am writing to share additional information and to contradict inaccurate statements in the company responses. 

I have a recording of my conversation with XXXX on XX/XX/18 where I unequivocally revoked TCPA consent. Here is a transcript : Agent - " Do you give us permission to contact you on your cell phone using the automated dialing system or pre-recorded voice for future inquiries? '' Me - " No. '' Agent - " OK. '' This TCPA revocation was reasonable and valid, yet was not documented across my accounts with XXXX which, at the time, were accounts ending in XXXX and XXXX. The representative did not ask if my revocation was subject to one account or the other, yet a future representative notified me on XX/XX/XXXX that I had to call in separately for each account. My inclination, which I fully intend to prove through discovery, is that XXXX was managing and collecting on both accounts, but XXXX XXXX Hospital spelled my name incorrectly on one. That is the reason why they did not notate the account. 

When account XXXX was recalled from their office by XXXX XXXX Hospital and placed with Focus Recovery Solutions, XXXX 's failure to honor my revocation resulted in me being contacted illegally by Focus Recovery Solutions via autodialer on XX/XX/2018.
On XX/XX/XXXX, After i had fallen behind on my load payments due to a hardship suffered in my family. I tried make arrangements with Prosper Marketplace concerning my account but they were unable to help me.on XX/XX/XXXX, I sent Prosper Marketplace a letter that the information that they listed on my account was disputed. Nothing was received back from them. 
I enlisted XXXX XXXX XXXX to help me settle my account. They were able to negotiate a settlement for my account and after 12 successful payments to Prosper Marketplace thru XXXX XXXX XXXX the account was settled/resolved and paid off on XX/XX/XXXX.
On XX/XX/2016 I filed a dispute with credit reporting agencies after noticing a debt from Account Services was placed in collections on my credit report. They did not attempt to notify me of any attempts to llect a debt, my roghts to dispute, or why they are attempting to collect a debt.
I enrolled in school in 2009 and at that time, my student loans were through XXXX XXXX. The semester prior to my last, I got married. During my last semester, my XXXX XXXX loans became Navient loans. My school hyphenated my last name to keep my maiden name and add my last name. After graduating, my student loans had been coming in my maiden name. Fast forward 2 years and my husband had his student loans consolidated and enrolled in a repayment program through a 3rd party. I wanted to do the same so that company reached out to Navient to begin the process. They ran into an issue with my last name. I had to take over the process and contacted Navient. I was forthcoming with the reason I needed to change my last name. They told me the information they needed and directed me to my online account. No matter what I did, I could not get signed into my account. On 3 different occasions, I spoke with Navient customer service representatives that told me they were mailing me the information I needed to fill out and return with a copy of my marriage license. My address was confirmed each time and each time I received nothing. The last time I spoke with them, I told them I was mailing them a copy of my marriage license and if my information wasnt updated, theyd get no more of my money. My information was not updated, in fact, I still receive daily phone calls for my maiden name telling me they need me to call back to discuss my account. I keep seeing and hearing horror stories about this company and I need to speak up as well as everyone else so this company is stopped! Due to the on going issue, the last I knew, they are claiming Im owe almost twice of what my original loans totaled. They wont be seeing one penny of that from me due to their negligence!
please remove my hard inquires as your customer Service was very rude and not professional and would not help me to remove the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
After repeated communications with Resurgent Capital Services and XXXX XXXX XXXX that this is a fraudulent debit, they continue to try to collect on the debit. 

Please note that Resurgent Capital Services and XXXX XXXX XXXX have not provided an executed contract between the debtor and myself only an " ACCOUNT SUMMARY REPORT '' which could easily be developed without an executed agreement. Based on the ACCOUNT SUMMARY REPORT, the origination date with original creditor was XX/XX/XXXX, and the last payment was XX/XX/XXXX. At this point in time this matter is not within the Statue of Limitations. 

Please consider this a matter similar to XXXX XXXX and fine Resurgent Capital Services and XXXX XXXX XXXX XXXX XXXX ( XXXX ) dollars to stop there practice of extortion, harassment and violations of the Fair Credit Reporting Act.
I attempted to dispute the debt that was listed I owe on my credit report but first Id like to say Ive never received anything in the mail, but Ive never had a capital one credit card account or a XXXX XXXX account. They both have removed their self from my credit report now I have this company giving me a hard time and I sent a certified letter to them and they did not respond to by 30 days.
Portfolio Recovery Associates is reporting 3 collection accounts on my credit reports. When I disputed them and asked them to provide validation of the debt, they only responded with credit card statements for each account. This is NOT validation that I owe them. They need to provide original signed contracts with the lender or they need to remove the accounts from my credit reports.
I had 1 hard inquiry on my XXXX Credit Report on XX/XX/2018. It is listed as XXXX from XXXX XXXX XXXX XXXX. I believe this is from XXXX   Credit.

The company pulled a hard inquiry without ever informing me in advance. 

In addition, my first name is written incorrectly in the billing information.
The mortgagor ( my dad ) passed away, was the only one on the loan and didn't leave a will. My mom appears on some documents as third party. Unfortunately the home is on foreclosure and the mortgage company only gave 30 days to come up with the money of the full debt and/or to speak to them regarding the mortgage. However the current mortgage company won't provide any information as to what are my mom 's options as to paying for the mortgage. I'm the older daughter and I'm trying to get pre-approved to get a mortgage and have begun the process however I need time to be able to complete this process and payoff my mother 's loan. We called the mortgage company to try to get information as to what are our options to transfer the loan to my mom 's name and one rep advised to send a copy of my dad 's death certificate which was sent to them numerous times to for it to be updated to the account so that we may be able to get account info but every time we call we get different answers from reps and most of the time they won't talk to us. They said that they will need a will, executive of estate or order by judge but we can't apply for any of these because this process will take way to long and by that time we may lose the property. My mom lives on a fixed income and can't afford to pay expensive legal fees. We are desperate and don't know what to do. We want to speak to the mortgage or their representatives to let them know that we want to save the property and we are working on getting a pre-approval to payoff the loan with them but they won't speak to us.
On XXXX XXXX 2017 I contacted Citizens bank and waited on the phone over 30 minutes to attempt to resolve this issue with them directly. I have gone out of town and there was an auto payment on my account that over drafted my account. The payment was in the amount of {$160.00} and Citizens bank charged me an excessive amount of {$160.00} in fees for this amount. I have never heard of any bank charging this. I have numerous accounts with this company and I now feel very concerned to be leaving my money in this account. When I spoke with a supervisor she refused to do anything but waive {$30.00} of the fees. I asked to speak to someone above her and she told me no one is above her. I asked her if the she owns the company? She said she does not but I am not allowed to speak to anyone else. I demanded to speak to someone else as I did not feel comfortable with her. She told me that I can write a letter about it to XXXX XXXX XXXX XXXX rhoad island XXXX. I asked her what her full name or badge ID was in which again she refused to give me. All I know is that her name is XXXX and she is a manager in account support department. I should be able to speak to someone professional about my account and not treated this way when I have all of my checking and savings numerous accounts with this company. I never wanted this account to begin with I was constantly pressured any time I would go to the bank to make a personal account there because they wanted to meet there quota for the month. I have even gone in to try to cancel the account because they charge a monthly service fee and they wo n't allow me to and try to talk me out of it and say just set up one deposit into there every month to eliminate this fee. There are many other banks in this area that will not charge these fees and I would rather use them. In addition to this I told XXXX I do not want to be charged excessive fees I want to close the account. She refused to close the account. She told me she will not close it I have a balance. I told her to take it out of my other account and close all of them I do n't want their services in which she still refused to do so. I do not feel my money is safe with this company and I feel they are predatory bankers based on my experiences with them.
Original Creditor Name IC SYSTEMS is incorrect as I have never signed an application with any company named IC Systems, There was an account I paid off that was a XXXX account it was posted on the XXXX account as XXXX and then as XXXX/XXXX/XXXX AK.A XXXX opened in 1998 ended as the phone was recalled and they did not want to replace it but - This account was paid to XXXX Acct # XXXX this is A PAID account that has been re-aged several times it is more than 12 years old.
This collection is in my wifes name, but is reporting as a collection on my credit report. The company wants me to pay money to take it off my report, but the account isnt in my name. The account was opened XX/XX/2018.
Dear XXXX, I am filing a complaint against Chase Bank 's decision of the refusal to our chargeback against XXXX XXXX who lured us to make a deposit to their oversea bank in the amount of {$15000.00} on XXXX XXXX, XXXX. Half year later, XXXX XXXX closed our trading account and refused us to make a withdrawal. By the XXXX XXXX, we still had over {$70000.00} in that account but can not access to it. 

I told Chase Bank XXXX XXXX employee XXXX that XXXX was doing illegal financial activities in XXXX and they failed to deliver their promised service to their customer. Chase just ignored the fact and even did n't take a investigation. They just simply told me that the time frame to file a chargeback was 120 days and I have passed the valid time frame. I told them I was filing my claim for a refund under the XXXX XXXX XXXX which allow us have 540 days from the date we sent the money when was XXXX XXXX. But XXXX just ignored this Scheme and repeatedly told me I passed 120 days time frame. They even did n't know what XXXX XXXX XXXX is. I suggest them study the XXXX XXXX XXXX and take a close investigation at my case. Otherwise, it 's unfair to me due to Chase Bank 's ignorance.