WillisBack/dataset-financial-user-claim huggingface dataset:
Resurgent ( LVNV ) has 3 accounts for me. Two of the accounts ( XXXX and XXXX ) are incorrectly labeled as owed and should not appear with their firm. The first, XXXX XXXX XXXX account ( Resurgent ID:XXXX ), displays the following information : Origination Date : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Charge Off Balance : {$520.00} with a Current Balance : {$930.00} ( total debt ) ; which has been charged off meaning I do not owe this amount nor any amount to date since it has been completely charged off since it has been over two decades ago. 

The second, XXXX XXXX account ( Resurgent ID:XXXX ) displays the following information : Origination Date : XX/XX/XXXX Charge Off Date : XX/XX/XXXX with a Current Balance : {$760.00} ( total debt ) ; which should have been charged off meaning I do not owe this amount nor any amount to date since it should have been charged off by now and is over two decades old. 

The third ( XXXX XXXX XXXX  ) is still in dispute concerning any debt currently owed. I would like for this firm to correct their records to reflect the above information and have {$0.00} balance for two of the three accounts noted above based on the above information which is true and correct to the best of my knowledge. XXXX XXXX
Citi refused to investigate a fraudulent charge. When I complained they put negative information on my credit report. They have refused to give me further credit cards because of this.
Hello, In XX/XX/XXXX I  purchased a vehicle. I obtained financing through XXXX XXXX, but recently saw that the dealership must have submitted for approval to more than one lender ( in reality they pulled NINE hard credit reports for me ). My understanding was they would submit a hard inquiry and the best rate was what we would go for. I am so heartbroken to see nine hard inquiries on my credit report, over a year later. My MAIN concern, is that 3 of them have duplicate pulls. 

XXXX ran a hard inquiry on XX/XX/XXXX and AGAIN on XX/XX/XXXX. 

XXXX ran a hard inquiry on XX/XX/XXXX And AGAIN on XX/XX/XXXX. 

XXXX ( which I believe to be XXXX   XXXX ) ran a hard inquiry on XX/XX/XXXX and AGAIN on XX/XX/XXXX. 

The others ran were : XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

I have read in many places that credit reporting agencies allow hard inquiries for auto and home loans pulled within 45 to 30 days to count as one inquiry on your report, but sadly mine all show as separate pulls of my credit, nine times. This is impacting my ability to obtain fair credit across the board simply because the car dealership I selected shopped around unbenonced to me. Any assistance in how I go about removing or condensing these hard inquiries from over a year ago would be incredibly appreciated. 

Many thanks, XXXX XXXX XXXX
i have try to make loan and credit card application at chase bank but i was turn down in the report i send you with the attachment on page XXXX at the top in the report chase bank show me as a creditor chase bank did not give me any loan or credit card because they did not give me any thing i can not be a creditor
XXXX XXXX owner is cancelling credit card processing service with the XXXX. As a part of XXXX XXXX cancellation process it is charging {$290.00} cancellation fee because 3 year of service term which according to my card processing application does n't indicates. I believe is not a fair charge & seeking to reimburse it.
I made a agreement to pay debt but not own the debt. I ask could they put my agreement in writing and they refuse to but in writing what I agree to pay them because they say it is they company policy not to give a written agreement. It also is not the amount that they company wanted from they phone company the asking me an amount more than what they claim i owe
This is a duplicate collection attempt from a different collection agency both from the same service provider. Details about the debt is below : I was unemployed at the time when this debt collection attempt took place. At that time, a local agency called XXXX was providing XXXX for my family during the winter and summer and they have been making payments to XXXX XXXX XXXX to cover my utility bills. I do n't know what went wrong and I was not notified of any issues with my energy assistance that I was receiving from XXXX. I was going through hardship due to job lost. I was receiving XXXX and other other help from the state plus XXXX.
XXXX / XXXX /2016   XXXX   XXXX   XXXX    XXXX , VA   XXXX      XXXX   XXXX   XXXX   XXXX  . pulled my credit and I have never been there or gave them authority to do so.
Bank of America closed my credit card account in error. On XXXX/XXXX/16 I inquired about an APR reduction on my credit card account as I had excellent payment history, a long-term established relationship with an account that is twelve years old, consistently increased income and credit score over the past several years. My request was declined but I requested to speak with a supervisor for a secondary review and was promised a call back within one to two business days. On XX/XX/2016 I received a call back from a supervisor regarding the XXXX reduction and was declined a second time. During the call I discovered my current card had expired in XX/XX/XXXX so at the end of the conversation with the supervisor I requested to close the card until I could locate the new card that was mailed to me. After failing to locate the new card I logged in to my account to see if there was an option to order a card with a new number. At that time I noticed my credit availability had disappeared on the screen so I called Bank of America and was informed that I had closed my account and they were not able to issue me a new card with a new number. I attempted to resolve the issue though several managers but was told that I must go through the credit approval process ( providing updated personal information as well as a potential inquiry into my credit report ) to reopen the card. I explained to several managers this situation that occurred and that this account had been closed in error. All representatives were unwilling to help and insisted that I go through the approval process which would possibly count as an inquiry on my credit report.
I had never turned in a lease before. I contact XXXX XXXX XXXX in XXXX, XXXX, XXXX and XXXX to ask questions about the process. They told me to have my car inspected in advance of turn-in in case there was anything beyond wear and tear I wanted to fix. 

I did that. They booked it, the inspector came out. On my 2 vehicles He found : 1 Scratched Rim, 1 chipped windshield, and hail damage. 

I told him it was acorns and that the charge for hail is extreme, but he said its all the same. 

So I decided Id get the acorn damage fixed to avoid the {$470.00} charge. 

I asked the dealership I was getting my next lease from if they had anyone theyd recommend. They gave me the contact of the guys they use for dent repair. 

The gentleman quoted me {$250.00}. He asked to be paid in cash but provided me the invoice/receipt as promised and did a spectacular job. I photographed the flawless car. 

When my end of lease bill came, I called XXXX XXXX and paid everything except for the acorn/hail charge. Both cars disposition fees, and the rim and windshield fees. I followed instructions and emailed my receipt and photos of the repair. 

They told me to expect the balance to settle after a brief review period. 
Instead I received a text notifying me that Im delinquent. So I called and they explained that the invoice I sent was not sufficient because a portion was written in. 

I contacted the repair guy and he said this is how we do it. We write in your vin, your price and your repair. So I called XXXX again and they said we cant tell this is a legitimate business. Do you have a business card, contact information? To compare to whats on the invoice? 

I did, I sent that too. Then XXXX said theyd call me if they had any issue. They didnt call but a couple weeks later ( mid XXXX now ) I got another delinquency text. So I called them. 
I was told that theyd investigate the reason the balance was still there and get back to me. When they did, they said they need to contact the repair guy and verify he has a real business and really did the repair ( my pictures were high resolution and showed that, but they wouldnt accept that ) and that if they were satisfied theyd close out the balance. If not, theyd call. 

They didnt. But two weeks later another text. So I call them again. In tears. What more do you need? What more can I do? They said if we dont have a credit card or debit receipt, we can not consider it repaired and clear the balance. 

Despite all my advanced calls asking for any and all requirements, they never once said that repairs must be paid for in cash. Never. 

They now are telling me to pay the balance or go to collections. The car has no damage, none. Its beautiful. But they say they have no way of knowing that. 

I have already paid {$250.00} to repair the dings, I can not paid {$470.00} on top of the {$250.00} ... that was paid to alleviate the {$470.00} in the first place. 

Further, I sent all my text messages dating back to my first interactions with the repair guy, I sent them his request for cash, everything I can think of, Ive done. 

Please help me!!
I filed Chapter XXXX in XX/XX/XXXX, and XXXX was notified and accepted voluntary surrender. My bankruptcy discharge was on XX/XX/XXXX. Within a month, I started disputes with CRA 's to correct information on my reports. At no point in the term of my loan was it late and the loan was current at the time of filing. 
As of their latest update, they are now reporting payment history beyond my discharge date. 
My reports should be showing XXXX balance, closed, and the notation of included in bankruptcy. They continue to report inaccurate information stating late payments ( which the account was never late ), and now are adding information dated beyond the discharge, which is causing irreparable damage during this difficult rebuild. I would consider this retaliatory behavior or active collection activity.
I contacted Equifax after XXXX car dealerships were unable to view my credit score. They stated that it shows as zero. I requested to have the freeze/fraud alert removed and was assured that this would correct the problem on or about XXXX/XXXX/XXXX. The dealer XXXX XXXX at XXXX XXXX XXXX ( XXXX ) XXXX checked again and it still showed zero. I called Equifax again and was advised to fax in XXXX forms of to the dispute department at XXXX which I did on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. I was advised to allow another 72 hours which I did. XXXX XXXX Sales Manager at the dealership again used dealer track on XXXX/XXXX/XXXX and the score still showed as zero. I waited until XXXX/XXXX/XXXX to call Equifax again. I was hung up on 3 times via their IVR system on XXXX. I finally tried XXXX and asked for a supervisor I got transferred to XXXX @ XXXX on XXXX/XXXX/XXXX he assured me that the XXXX XXXX on my address was the reason my score was not showing up. I advised I have no XXXX XXXX in my address he stated that he removed it. XXXX XXXX tried to run my credit again on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and the score still shows zero. She stated she that she can see my history but no score. When I first started back in XXXX XXXX with trying to purchase a car my score was XXXX now it is XXXX for Equifax. I also noticed that my mortgage company does not even show on my transunion nor my experian reports. The freeze was on my account for about 8 years and due to all the wrong or lack there of reporting I have been denied credit so many times and had no clue as to why. No one at Equifax ever told me that my score would appear as zero for anything if I added the freeze. I need to have my score to show up immediately so that I can continue with my purchases and stop being denied credit due to the creditors only basing my score on XXXX and XXXX which has the totally wrong and lacking positive information on my behalf. I am constantly getting the run around and very poor customer service. I was advised by XXXX to tell XXXX to check with the business side of Equifax and she stated she has had no other issues with anyone but me. Please make them fix this it is very unfair that I have been dealing with this for a month and a half and still have not got any results. XXXX XXXX stated I could use her as a contact of more information is needed from her. Her address is XXXX XXXX, Ga XXXX email is XXXXXXXXXXXX phone number is XXXX and she is the sales manager.
I do not owe Common Wealth Financial for a debt. I did not go to the hospital on the date they have listed for this transaction XXXX/XXXX/2013. I have had to dispute items with them before and they were removed because they were placed in their office in error and I believe that this had been placed within there office as an error again as well. I have a previous letter of Placement in error from them for past issue with this company.
On XX/XX/2018 I went to well fargo XXXX XXXX XXXX XXXX to do an currency exchange for XXXX currency. The bank did not have the proper envelope to do the exchange advised me that they would get the correct envelope. The gave me a call about XXXX XXXX and I returned the bank around XXXX XXXX that day. I walked out of wells fargo with XXXX us dollars. Today at XXXX XXXX XXXX i was informed by wells fargo agent that the XXXX dollars were out of circulation and that Wells fargo would be debiting my account for the XXXX. The bank at the time should have known that the dollars where out of circulation.
I sent a letter about some accounts that they were reporting that was not mine. They did delete some of the accounts and had an results on the other ones with " Verified as accurate and updated '', but the accounts are not mine. I will like for someone to review the attachment for one of The creditor sent me for the account " verification ''. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the accounts that are in error on my credit report. Attached and has filed a police report with XXXX county to get these errors resolve in a timing matter. They are hindering me.
I tried freezing my credit on XXXX/XXXX/XXXX at XXXX, Transunion, and XXXX  and systems were unavailable to process my requests for all three. I want Congress to begin regulating this industry IMMEDIATELY!! Clearly they do not have appropriate controls or processes in place. They make money selling our credit histories yet we get charged to freeze our own credit This is unacceptable and Congress needs to do something about it!!
My account has been restricted for well over a month and no person from the entire company can say what the problem is either in writing or by phone. I guess I am entitled to some kind of response from the company that I have been doing business with and making payments for a long time.
I received a letter from Central Credit Services LLC and it stated that I owe XXXX {$100.00}. However my account with XXXX has been closed and paid since XXXX 2014. I called XXXX to double check that I did indeed pay my bill and received confirmation that I did in fact pay them in full and do not owe them anything. They have also been calling my daughter 's phone constantly for the last 2 months.
Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB ( yey! ) brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account should be deleted from my Experian credit report.
On XX/XX/XXXX, at XXXX, I received a phone call from First Federal Credit Control , a XXXX XXXX , for a medical debt owed in the amount of {$540.00} from an unpaid bill in XX/XX/XXXX-XX/XX/XXXX. I requested a settlement of the matter. XXXX XXXX refused and yelled at me that I needed to pay it in full or she did n't care if it stayed on my credit report. She continued to be aggressive in her tone and inappropriately threatened that she will not remove this debt off of my report until I paid it. I calmly explained, XXXX I am trying to settle this with you and I am not refusing to pay, but I would like to settle it. She continued to yell " your only option is to pay it in full or make payments and I do not care if this stays on your credit report, pshh '' She continued to huff and puff at me while I was very calm with her. She yelled " ya know what XXXX, you are not going to settle this obviously '' and she hung up on me. I called her back at XXXX XXXX and XXXX XXXX answered the call. I said, " XXXX, this is XXXX and I do n't understand why you hung up on me '' she yelled XXXX, I am the supervisor here and nobody is going to tell you any different, now do not call back!! '' At that point, I took the initiative and contact the original creditor and explained to XXXX XXXX XXXX XXXX that I want to pay the debt, but the credit agency refuses. XXXX, with XXXX XXXX accepted my {$300.00} payment towards the balance and stated she would report the behavior of the agency.
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX is currently reporting to TRANSUNION that I applied for credit XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
A woman called me from XXXX XXXX who said she was asked to contact me about an old debt from a bank for a credit card. They claimed to be a recovery agent and said if I did not arrange to pay right now then I would be sued for over {$3000.00} for a {$350.00} debt that they claimed was {$310.00} so first they were wrong about the amount owed. I asked them if I could have time to contact the original creditor and to investigate the information and they told me no, that this was a one time offer to settle the debt. They said they were seeking around {$950.00} but could probably settle for the original amount owed. Again red flags went up. Most debt collectors will settle for less than the original amount owed instead of three Times the original debt. They wanted to send me an agreement that I would insert credit card information over through email and I would make payments to them to pay off this debt that is owed and it would be removed from my credit report. They sent an email and it was from XXXX and it wanted me to include all of my information and credit card information. It listed their company name and address on the document. I then, feeling suspicious due to the nature of the call and threats made I contacted the original debtor ( the bank ) which gave me the information of the company that bought my account from them and who I now owe for the debt. I called the creditor and they then proceeded to tell me that they knew nothing of this company and they didnt work with them as a recovery agent. They advised me to not speak to them and to only pay my debt to them or a company they work with, but to always call them directly and if its not then they will give me information on who to contact to pay the debt. They offered me a settlement of half the original debt just under {$200.00} and told me Im able to go online and make other arrangements as well to pay it. I then contacted XXXX  directly and asked them if this original debt was under any other collector aside from the original creditor or the creditor who the bank sold my account to and they said no. I also checked my credit report for all three credit reporting agencies and it was indeed only listed under the original creditor and the creditor company that bought the debt from them. I then called XXXX XXXX back and they laughed at me and told me the credit bureaus werent accurate and must not be updated. They also told me my creditor mustve sold it to them and still show I their system that it hadnt been sold yet, however this is a lie because the creditor was able to provide me with up to date and accurate information. They told me to be expecting a court date as they will proceed with legal action against me. This company is a scam and they are trying to obtain credit card information from people to steal money claiming to be collecting a debt by threatening a lawsuit of sum of money significantly larger amount then the original debt that they do not even have the correct information on.
This collection company has the wrong number. I've requested SCS to remove my  number from their system. Today is Saturday XX/XX/18 and SCS is still actively calling my cell phone. This people are calling me on a daily basis.
I was purchasing some XXXX XXXX items through a group on XXXX. The person I was buying items from said their name was XXXX XXXX. I sent this person 3 different payments to the phone number they provided XXXX, through the XXXX feature on my Citizens bank app. This was after I had to call Citizens Bank to have them verify my phone number so the payments would stop failing and would go through. On XX/XX/XXXX I sent this number {$32.00} through XXXX, On XX/XX/XXXX I sent {$60.00} to this number through XXXX for more promised products. On XX/XX/XXXX I sent this number {$190.00} for an entire product collection. At this point I checked my bank and realized the XXXX payments were being sent to a different name than that of the person I had been talking to. I searched the name on XXXX and found out that this person is a well known scammer. I contacted Citizens bank to try and cancel the payments as two of them were made within 24 hours of me calling them and was told that there was nothing they could do because they were instant payments. The seller I was dealing with has disappeared. I questioned Citizens Bank and how they could allow these transactions to go through without any sort of Fraud protection, after all, I thought I was safe doing these transactions because they are directly through Citizens Bank and was informed that they would do nothing and I should contact my local authorities which will do no good as the seller has gone ghost. I attempted to cancel these transactions within 24 hours and same day for one and was told that Citizens bank will do nothing. I am extremely upset and would like Citizens Bank to refund these purchases as they are my bank and should protect their customers from Fraud if it happens through an app that they are controlling. The XXXX feature is directly on my Citizens Bank app so they should have some sort of protection in place and as my bank I would like them to cover this fraud. I have submitted to them proof that the person the money went to was not the person they claimed to be and still they will do nothing. Which is why I would like your help getting the fraud protection deserved on these transactions done directly through Citizens Bank from one bank account to another on their XXXX feature in the Citizens app.