WillisBack/dataset-financial-user-claim huggingface dataset:
In or around  XXXX  of  XXXX ,  XXXX  sent my account to GC Services Limited Partnership, a collections company in error. The balance on my  XXXX  account was incorrect and was initially disputed in or around  XXXX  of  XXXX  as illustrated in the attached Better Business Bureau complaint. Moreover, I had to initiate another billing dispute with the Better Business Bureau in or around  XXXX  of  XXXX  regarding my  XXXX  account as it again reflected the wrong balance. Since  XXXX  of  XXXX  I personally tried to resolve the issue with  XXXX  to no avail and ultimately resolved the issue by contacting the Better Business Bureau. Despite  XXXX  acknowledging their errors, they still allowed GC Services Limited Partnership to report my account as a collections account.  <P/> Despite the fact that I have spoken with  XXXX   XXXX  from GC Services Limited Partnership on multiple occasions to get the collections account removed from all   XXXX    (   XXXX   )  major credit bureaus when they have acknowledged that it was an error caused by  XXXX  - I have been unsuccessful.
With the Professional Help Of Consumer Financial Protection Bureau, I was able to obtain my refund of {$600.00} back from XXXX XXXX at Care Credit/Synchrony Bank on XXXX XXXX.2017, case # XXXX.I was dumbfounded when I went to check my Care credit account and see I was charged back the {$600.00} back to my account, Unbelievable!!? Once again I need CFPB help to close this nightmare situation once and for all.
On XX/XX/2017 I received a letter that the XXXX XXXX account was paid and settled in full. They are showing a balance on my credit report and showing charge off in comments. In comments should be settled and paid in full as all my other reports I settled on shows. Unfair reporting. I was also promised a pay and settle to delete from credit report which was also not done. XXXX XXXX was the original owner then sold to XXXX XXXX I believe then winded up in the hands of portfolio XXXX XXXX, XXXX which I settled and paid with portfolio recovery on XX/XX/2017. Please correct credit report Ive been fighting this since last year.
Transunion reports this amount paced for collection by XXXX. I have never had any dealings with XXXX. This is either Fraud or and Identity problem. 
XXXX XXXX XXXXXXXX XXXX, 2015Open $ XXXX DetailsLast Reported XXXX XXXX, 2015Collection Agency XXXXOriginal Creditor XXXX XXXXStatus OpenOpened Date XXXX XXXX, 2015Closed Date -- Responsibility IndividualBalance $ XXXX Balance $ XXXX Placed for collectionCreditor Contact DetailsXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Equifax is improperly reporting credit history to lenders when making a loan inquiry. This has happened with two lenders showing a blank, or zero credit history. I spent a collective 4 hours on the phone with them while they denied the problem, and refused to help or investigate. I have a decade of loan history with 7 account all paid properly and need this rectified asap so I can complete my purchase.
I was unable to make my XX/XX/XXXX payment to Fortiva and scheduled a future payment for XX/XX/XXXX. On XX/XX/XXXX, a transfer of funds between banks to cover the payment hit a snag ( my bank XXXX would not let me mobile deposit a check from myself to myself ). I filled out the contact form on Fortiva 's website withdrawing my authorization for the XX/XX/XXXX payment and scheduled the payment for XX/XX/XXXX. Despite the change, they still withdrew the payment on XX/XX/XXXX, without authorization. 
Fortiva does not email a copy of correspondence, nor did they ever respond to me. However, I do have a screenshot with my message and a confirmation that it was successfully sent to them via their website.
I have been attempting to close a short sale for over 2 years and Roundpoint mortgage continues to stall and delay by asking for documents not needed or have been sent to them. I have had XXXX cash buyers and the last XXXX is about to give up. They send me confusing requests in the mail so I have to call them to find out what they need. I can not reach my account rep by phone and have to wait until call me. When I send them a doc ( by email ) it takes 3 days for them to read it.
XXXX should not have been a hard inquiry. 
I was told by the XXXX XXXX representative that it would n't be a Hard Inquiry.
I spoke with Monterey sometime in XXXX, stated that I could have been a possible victim of identity theft. Later while speak with the gentleman on the phone ; I researched my bankruptcy documents ; and noticed that XXXX and Monterey was listed in my bankruptcy proceedings. I explained to them that this collection was included in my bankruptcy. I also have written proof that it was included in my bankruptcy. The collection account was removed from my account. The following month ; this collection was added back to my credit report. This needs to be permanently removed from my account. The documents attached on page 14-15 clearly show XXXX and Monterey listed.
Final Notice : I am unaware of the inquiries, I have hired an investigator to look over this incident and it appears that after my investigation your company is in violation of sections 609 608 611 in The Fair Credit Act. Also you are falsely acting as the consumer placing false information on my credit report without contacting me or getting my consent. I advised you to stop repeatedly and the inaccurate information remains on my credit report. I have filed a lawsuit with all three credit bureaus and look to settle this matter in court. When you are found guilty I am suing for {$30000.00} in damages for each credit bureau Equifax, Experian, TransUnion. I am not looking to withhold this legal issue unless the inaccuracies are removed within 24 hours. I have record of previous certified letters sent several times this week, along with every copy of credit reports showing falsely XXXX XXXX codes generated by a computer and not a human I am aware of the obsolete bs along with the scams that you guys play with people. I refuse to become a statistic please remove the inaccuracies immediately. Look in the attachments below to see your inaccuracies. If for any reasons you attempt to send me any credit reports with verified inaccuracies I will personally file a second law suit against your companies for the inaccuracies, violations in The Fair Credit AcXXXX, XXXX, using and placing errors on my credit report that dont belong to me and using my name using bogus print & signature claiming to be me without my consent and lastly remove all fraud alerts today. I will be calling in on XXXX, XXXX and it have better been removed by midnight eastern standard time. I will call to check if the inaccuracies listed below and the fraud alerts are removed permanently. If you attempt continue to place pass or future inaccurate errors, fraud alerts, on my credit file you will pay multiple consequences. I am willing to take you to court every time. You have been placing fraud alerts on my credit without my consent as well. Please be advised that this is my final goodwill letter. You have been a pain in the rear end.
I had been receiving calls for months from ECMC about bringing my student loan to current standings. Whenever I would call and attempt to work the issue out they would give me a link to a website to go to to electronically sign the papers with the last XXXX of my social. After multiple attempts at putting in my social it would lock me out. I would go through the process multiple times and explain to them the issue with no reason as to why I was n't able to log in and fix the problem. I continue to receive multiple calls a day from ECMC. Eventually I received paper work at my job for a wage garnishment. They have the wrong social security number and the wrong amount for my loan. When I called to tell them that they said y that I have to send them a copy of my social and it would take XXXX days for it to be updated in the system and in the mean time legal action would continue and I would keep receiving multiple calls daily. They could n't change it in the system or stop the harassment until I fixed their problem, their mistake. Absolutely unacceptable.
Paypal frozen my account and wont let me withdraw my funds, i submited a payment for a service and they didnt send the money, instead of that they hold the money and block my account permanently, i cant acces my money, and is more than a thousand dollars
I had a XXXX 's credit card account for several years. In XX/XX/XXXX My wife and I divorced and as part of the settlement I paid off all credit card debt including XXXX 's. I did not use the card after that time. Because there was a XXXX balance on the account, I did not expect to receive any statements. In XX/XX/XXXX I was prompted to pull my credit report when a credit card I actively use sent me a notice they were lowering my limit. To my dismay, I discovered that XXXX  's as well as XXXX XXXX and XXXX XXXX all had balances on them and were 90 -120 days delinquent. I contacted all of these companies and discovered my ex-wife had conducted an account take over on all these accounts. She changed the address, phone number and email address to her contact information. All statements and attempts to collect debt were going directly to her. I had no knowledge of this activity until I pulled my credit report. What she had done was essentially use the cards and pay the min payment until they were maxed out and then stopped paying. I worked with XXXX   XXXX and XXXX XXXX who both determined it was fraud and reversed all negative credit reporting as well as remove the balance as a debt I owe. I have tried to the same with XXXX 's and they refuse to work with me. In fact they charged me almost {$200.00} for me to order statements I never received since the address on the account was not mine ( again, fraud ). I had to have those statements so I could itemize all disputed items. Every transaction was completed online and shipped to an address I never lived. I filled out the fraud dispute and sent them a picture of my DL as requested. In the meantime they continued to charge me late fees and charged off the credit card balance. What started off as a {$600.00} balance has ballooned to over {$1000.00} due to fees and the amount of money they charged me for statements. They will not honor my fraud claim. I can even prove with lease agreements that I did not live at the address everything was sent to. The email address attached to my account was my ex-wife 's name. Its very clear this is fraud. I'm a United States XXXX XXXX veteran who served XXXX XXXX in XXXX and XXXX in the XXXX XXXX  XXXX. XXXX  's unwillingness to recognize this as fraud, remove the debt and reverse the charge off and all late payments that are a result of this fraud are not only impacting my XXXX, but my ability to qualify for a VA loan so I can purchase a home of my own.
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
i do not own this account anymore please remove it from XXXX, transunion and XXXX credit file immediately. My credit report at one point showed it as paid in full, but reverted back to {$2000.00} balance and this account is effecting my score. Please update account and delete.
Since 2014, Experian remains the only credit bureau that hasn't been able to provide me any documentation ( credit freeze and annual credit report ) electronically, only ever by mail. This is incredibly inconvenient because I have been studying abroad and don't have a permanent address in the USA. Additionally, it requires additional paperwork to be filled out and submitted, which I wouldn't mind except that this has now been going on for 4 years for no reason that I can see. To me this is fraudulent. I don't have the resources, time, or power as an individual to resolve this repeated issue.
I had taken out a small loan of {$200.00}. and was Hospitalized and had to go in for XXXX, net prison or jail for 8 months with no means of contacting the lender. As soon as I got out the threatening emails started.
This is the second time I 'm contacting your organization with regards to my private student loans through HESAA ( New Jersey loan agency ). I 'm concerned about my amortization schedule. To my approximation, I 've made about {$76000.00} in payments over the last 4.5 years towards my principal balance ( based on monthly payment schedule ), yet the balance has only decreased by about {$6000.00} in the same time period. I 'm concerned they are not applying the proper amount to the principal balance and applying it primarily to the interest. With this lopsided allocation of interest over principal, I am not sure how the loan will be paid according to the terms of the agreement.
XXXX XXXX of Lakefront Processing Solutions called and left a voicemail on my phone saying there 's a claim against me and referenced claim number XXXX. She called from XXXX ( a spoofed fake phone number ). She wants to verify my address to present me with my formal claim at my residence and place of employment. She goes on to say at this point I have an opportunity to call the firm handling this claim to discuss the matter at XXXX. She then ended the call saying I was officially notified. I do have this message saved on my voicemail so I do have proof of this call.
Toyota Financial Services neglected to acknowledge payments made on my vehicle. They will not give my money back nor apply it to my balance.
In XXXX XXXX 2016 we mailed our payment into TD Autofinance. They lost it. However they starting calling twice a day, leaving voice mails ; in said " call by XXXX or this is your last chance ''. On XXXX XXXX they suddenly found the XX/XX/XXXX payment and applied it. Just a few days before cashing the XX/XX/XXXX payment on XXXX XXXX. The account is now current plus a little extra. My entire life I have been on time with payments - even paid cars off early. Today - XXXX XXXX a letter arrived in the mail saying they are going to report me to the credit bureaus for being late. How is that possible when they lost the payment ( that was dated XXXX XXXX ) and found it over a month later. 

If you have a choice - do n't use this company. I had no choice.
Bank of America website does n't allow customers to setup an automatic pay for a minimum payment : customers have to guess an amount. If the guess becomes wrong at some point, the account goes into a past due status and a late fee of {$37.00} is charged. Bank of America website does n't allow customers to setup an alert of past due amounts, so that they keep charging the {$37.00}, eventually report to credit bureaux, when customers finally realize the problem. Customers, like me, who has setup automatic pay, are notified that payments were made ( but not that they were insufficient ) have not reason to suspect that there is a problem. My guess is that millions of americans are falling into this trap, because other banks, such as XXXX, XXXX, XXXX, XXXX XXXX, to name just a few, have a website that enables customers to select " pay minimum payment, '' so if that if minimum payment goes up, the account does n't become past due and the very high late fees are not collected. Customers in the XXXX XXXX expect a minimum level of customer service provided online, and Bank of America is not providing that. 

Having an online presence that is misleading to customers ( i.e., automatic pay option, but not for minimum payment, and alerts available, but not for past due amounts or payments below the minimum amount ), could have been designed by Bank of America to increase their revenue stream. I would like an investigation of the amounts collected by Bank of America from all customers that experienced the same problem described here.
AES has a " paid ahead '' program which automatically takes additional payment an applies it to future payments ( principle + interest ), instead of applying the additional payment to only principle. Unfortunately, if you pay online, they do not offer a way to indicate that you want your additional payment to go towards principle. I have called AES and they stated that there is not an option to indicate where you want additional funds to go to when you pay online. Further when you speak to them, they are misleading in trying to say that additional payments do go towards principle in the " paid ahead '' program. This is a half-truth. The paid ahead program still applies portions of extra payments to interest. Please beware if you are trying to pay down your principle, they will eat it up as mostly interest payments. ROBBERS!
XXXX XXXX XXXX has a debt on my Credit Report that is beyond the Statute of Limitations for CA. They can only have a debt marked as collection for four years. They have attempted to keep the debt in collections by changing the name to XXXX  XXXX XXXX. 

This needs to be removed from my report as Collection. I have stated repeatedly that I do not owe this debt and XXXX XXXX XXXX has never been able to substantiate it. They are now attempting to mask it under XXXX  XXXX XXXX.
I am a Rushcard victim who has not been able to access my money for eight days. Rushcard did a system upgrade with a glitch in it causing thousands to be without their money. In my case they put my direct deposit on expired Rushcards instead of the new cards I have been using since XXXX 2015. I have emailed, called just to be hung up on, spoken with different Customer Service Reps just to be told different things. When you call they act like they do n't know how to help you or they are just plain rude. People ca n't pay bills, ca n't feed their kids, ca n't make it to work, has lost jobs behind XXXX XXXX Rushcard. We trusted him to protect our money who is going to protect us from him. Please help
I refinanced a mortgage for a single family rental property. Soon after closing, that mortgage was sold to Amerihome Mortgage around XX/XX/2018. I made my first payment to Amerihome and then signed up for autopay on XX/XX/18 using my business checking account ( I have multiple rental properties with other servicers and have always used a business account without issue ). Amerihome cancelled my autopay because they require a special form if using a business account. So I filled out the form and mailed it in and resigned up for autopay online on XX/XX/18. This time I assumed it was effective and took it off my to do list. However, my XXXX payment did not process because they had rejected my autopay again. I didn't find out my payment didnt go through until early XXXX. When I did, I immediately paid the full balance and explained the situation over the phone. The rep understood the situation and waived the late fee and all was good. A month later I found out Amerihome had reported the late payment to the credit agencies. I again called and explained the situation and wrote a letter to their dispute department but Amerihome refuses to remove the late payment from my credit report. My credit score has gone from an XXXX to a XXXX. This is not a late payment situation, this is a logistical situation that I have made multiple good faith efforts to comply with their requirements. Please help me to get the late payment removed from my credit report. Thank you, XXXX
Experian continues to report inaccurate and unverifiable information regarding XXXX bankruptcies. I have repeatedly advised them that I filed no bankruptcies on these dates, in these courts for the amounts specified on the credit report. They have lied repeatedly saying that They have verified with the data furnishers, the courts. The courts have verified that They did not provide them with this erroneous information. Experian continues to report it while lying about investigating my dispute. I nhave Experian to provide the third party vendor that provided them with this false information and they have not complied.
There are 2 items on my credit report that not mine I have never open these accounts I have wrote a letter to credit company and files a Dispute with credit bureau and these items remain on my credit report also it not showing on my credit repair as disputed items
I have bill service at BBT and month after they pay bills on and earlier than what schedule it be paid resort shortage of funds and a charge for over draft when you call them on it they send a email stating over draft would be refunded un [ less you send a follow up email you don 't get the refund, I requested a list of the over draft charges and proof of the credit to date I have not receive nothing this conduct has caused my gas to be cut of two When I ask the bill wasn't paid to date no reply when they pay early the funds ion my checking is used and when my monthly deposit is made they pay the scheduled billed and never put back the fund they paid out early and misused my funds, they just pay the bills as scheduled from new funds the missed used funds is never refunded nor the over draft charge