WillisBack/dataset-financial-user-claim huggingface dataset:
I checked my credit score in XX/XX/XXXX and it was in the high XXXX 's. This last week, I was applying for a construction loan and my mortgage loan originator told me my credit score dropped about XXXX points due to a charge-off from Citibank Credit. I had paid off my Citibank Card in XX/XX/XXXX to XXXX balance. Citi at some point in the XXXX tacked on on {$4.00} in interest, but I did not know. They closed my account on XXXX/XXXX/XXXX and did a charge off for the {$4.00} which dramatically affected my credit. I had been a loyal and faithful customer since XX/XX/XXXX but this kind of practice is absolutely absurd. They should have either a ) canceled out the remainning balance on good faith since I 'd been a good customer or b ) notified me that this balance remained so I could quickly pay it off. I need this report to be corrected so that the credit agencies can bring my score back up to the high XXXX 's and I can move forward with this mortgage loan.
I requested verification of a debt owed to XXXX XXXX XXXX via the Regional Adjustment Bureau and received papers that have been fraudulently signed by someone other than myself and one of the signatures does n't even have the correct spelling of my name. The only accurate signature shows the account has been fully paid. All others are fraudulently signed. Someone has also added fake references to this application. I have no knowledge or connection with any of the references listed. Additionally account history as of XXXX shows a total due of {$0.00}
I have disputed these ACCOUNTS WITH THE EQUIFAX  FOR VALIDATION AND IT HAS TAKEN LONGER THAN 30 DAYS
I HAD A CREDIT CARD WITH XXXX XXXX XXXXXXXX XXXX BACK IN XX/XX/XXXX. THE PROBLEM I AM HAVING IS THE DATE OF DELINQUENT DATE THEY HAVE RE AGE THIS DATE SO THIS ACCOUNT CAN STAY ON MY CREDIT REPORT LONGER THEN IT SHOULD. THIS ACCOUNT SHOULD OF BEEN REMOVED OFF OF MY CREDIT REPORT BUT IT STILL SHOWING ON THERE. I HAVE A COPY OF MY EXPERIAN CREDIT REPORT DATED XX/XX/XXXX WHICH EACH MONTH ACCORDING TO XXXX XXXX XXXX THEY HAVE REPORTED MY CREDIT CARD ACCOUNT EACH MONTH TO THE CREDIT BUREAU. ON THIS REPORT IT SHOWS AS FOLLOW XX/XX/XXXX I WAS 30 DAY LATE ON MY MY CREDIT CARD PAYMENT AND ALSO I WAS BEHIND ON MY CREDIT CARD ACCOUNT AND I WAS NOT CURRENT SO THAT MONTH WOULD SHOW THAT DATE IS MY DELINQUENT DATE. SECOND ON THAT SAME REPORT IT SHOWS THE ACCOUNT WAS CLOSED IN XX/XX/XXXX AND XX/XX/XXXX THEN ON THAT SAME REPORT IT SHOWS 30 DAYS LATE FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX 60 DAYS LATE FOR THE MONTH XX/XX/XXXX, 30 DAYS LATE FOR THE MONTH XX/XX/XXXX 60 DAYS LATE FOR THE MONTH OF XX/XX/XXXX LATE FOR THE MONTH AGAIN WITH NO PAYMENTS FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AND THE ACCOUNT WAS CLOSED AGAIN XX/XX/XXXX.. ON EXPERIAN CREDIT REPORT FOR XX/XX/XXXX XX/XX/XXXX ON EXPERIAN CREDIT REPORT XX/XX/XXXX AND XX/XX/XXXX. I ALSO INCLUDED A COPY OF A LETTER THAT WAS SENT FROM XXXX XXXX XXXX XXXX  XXXX THAT DIS INVESTIGATION ON MY COMPLAIN AND THEY CONTACT XXXX XXXX XXXX XXXX AND IT STATED AS FOLLOW TEH ACCOUNT WAS SUSPENDED FOR USE BECAUSE I WAS GREATER THEN 90 DAYS LATE DELINQUENT AS SHOWN ON MY EXPERIAN CREDIT REPORT DATED XX/XX/XXXX. THE DELINQUENT DATE THAT SHOWS XX/XX/XXXX AND 7 YEARS FROM XX/XX/XXXX FOR THE MONTH OF XX/XX/XXXX IS XX/XX/XXXX WHEN THIS ACCOUNT SHOULD OF BEEN REMOVED OFF OF MY CREDIT REPORT. THIS CREDITOR HAS RE AGE THIS ACCOUNT AS SHOWING THAT THE DELINQUENT DATE ON MY CREDIT REPORT IS XX/XX/XXXX, BUT GOING BACK TO THE LETTER THAT SHOWS THAT THE ACCOUNT WAS CLOSED XX/XX/XXXX BY XXXX XXXX BUT IT SHOWS ON THIS LETTER THAT THE ACCOUNT WAS CLOSED PERMANENTLY ON XX/XX/XXXX. SO AT THAT TIME THIS ACCOUNT WAS ALREADY BEHIND WITH A BALANCE AND IT WAS NOT CURRENT. I HAVE INCLUDED MY STATEMENT FROM XXXX XXXX XXXX XXXX THAT SHOWS STARTING ON MY CREDIT CARD STATEMENT DATED XX/XX/XXXX IT STATES AS FOLLOW TOTAL MINIMUM DUE IS XXXX SECOND YOUR ACCOUNT REMAINS XXXX PAST DUE AND YOUR ACCOUNT IS CLOSED
I have requested via certified mail, a formal dispute of  XXXX   XXXX   XXXX   XXXX  is Illegally reporting on all  XXXX  major bureaus,  XXXX , Equifax and  XXXX . I have requested that the information be removed due to per Texas  SOS debt collection must be Bonded, and although they are not a 3rd party collector, they are indeed trying to collect a debt via the credit bureaus with a " Cancelled Closed File '' per the Texas SOS. I have attached the  search results.
On  XXXX   XXXX ,   XXXX   I received an alert that   XXXX   XXXX    had pulled a hard hit on my credit. I have not applied for credit in 2 years. I called  XXXX  and they said this is an error, and no one has pulled credit in my name, I called Equifax to report the issues, I had the same problem with them last year at this same time. They are telling me they can not dispute and that there is no way for them to tell if I did it and just do not want the inquiry on my credit. I told them if they would do the dispute, and call  XXXX , this will settle the problem. They flat out refused to do the investigation. I want this inquiry removed and they need to do the investigation.
I never had the chance to find out what this debt was. 

Access Receivables purposefully sent my debt to an address I did n't live, and even worse when they marked for collection for XXXX and again in XXXX. 

The only reason I knew this is because I pulled my credit report through the XXXX contracting bureaus. 

They 're playing with Statute of Limitations of my debt, and I 'm really frustrated with their illegal practices. 

I lost XXXX points of my credit all of a sudden, because of them. I need it back.
I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XX/XX/2016 and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.
Sold a pc of furniture on XXXX. Pnc bank told us funds could be used next day but we knew better so called to tell them we had to make sure check was good b4 we used the funds bcz we had to take shipping charge out then they told us check in " floating stage between banks so we waited a few days later then they said it was paid by usbank so we sent out money for shipping. Then next day check did not clear. We called to let them know that they had assured us it was ok and total chaos hit at that point. They advised us wrong took all our money except XXXX and now it 's on our credit report and bank info that we ca n't have checking acct. totally unfair!
I have a XXXX checking account ending in XXXX with Chase for last 12 years. Of late my overdraft charge scenarios has gone uncontrolled leading to overdraft for overdraft related negative account balance. XXXX such example is show below. 
1. On XXXX/XXXX/16 during the day my account balance fell below o. 
2. By that night had deposited {$200.00} and had brought the balance to positive {$54.00} - Proof is in ATM receipt attachment 3. However above referenced deposit was overlooked and was charged XXXX overdraft fees on same day = XXXX/XXXX/16 of {$34.00} each totaling to {$68.00} resulting in my account going negative again.Proof is in second attachment 4. Fortunately has a tax refund the next day which saved additional overdraft charges. 
I spoke with Chase customer service at different levels to get this addressed but I was given various technical reasons and nothing was done. I am going through an acute income reduction chase and would appreciate if this issue could be resolved and account funded back with this incorrect {$68.00} overdraft fees.
Account Resolution Services has continued to harass me for someone else 's debt. From what they have told me they are trying to collect from XXXX. They keep calling me. I have told them numberous times to take my number off their list. They continue to change phone numbers and use VOIP. I tell them I am not XXXX and they say sure XXXX we will call back. My number is also registered to my XXXX. These calls need to stop or I will hire a lawyer.
I have a delinquent mortgage derogatory mark on my account. The account I had was with XXXX XXXX XXXX. It was then sent to Midland Credit Management ( XXXX  XXXX XXXX  ) with a balance of {$860.00} which paid in full before the requested date of XX/XX/XXXX. The original charge off date was XX/XX/XXXX.
My mortgage has an escrow provision. At the end of the year, on XXXX XXXX, 2017, my property taxes were not paid. I therefore used my credit card to pay the property taxes on the property. I contacted the mortgage company, XXXX XXXX XXXX / Stonegate Mortgage, and asked for a refund of what is, after all, my money. I contacted XXXX XXXX / Stonegate and asked for an immediate refund. They stated they would get to it in XXXX. 

I have contact the local municipality and have confirmed with them that the property taxes were paid through my credit card and not an escrow account check from XXXX XXXX.
On XX/XX/XXXX i look up my credit report and my bankruptcy was still showing, i file in the mid of XX/XX/XXXX and i have ask the credit bureau to remove it that state that they will investigation they came back verified, i ask them how they verified because the bankruptcy court said that they dont verified to third party are credit Bureau it against the law, so im asking that you please investigate because i have been waiting out my years with bad credit long enough for them now to drag they feet and dont investigation a legitimate way please help Im pregnant with XXXX and hoping i can move in my own place in my own name for once
On XXXX/XXXX/XXXX I sent out certified return receipt a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX requesting verification of a debt which was signed for by their office on XXXX/XXXX/XXXX ( letter and receipt attached ). In the letter it detailed that they had 30 days to respond pursuant to the Fair Debt Collection Practices Act with validity of the debt. As of XXXX/XXXX/XXXX I received no response and sent follow up correspondence on XXXX/XXXX/XXXX offering a chance to rectify this error on their part which was signed for by their office on XXXX/XXXX/XXXX ( letter and receipt attached ). The office did not respond to me until the letter dated XXXX/XXXX/XXXX XXXX attached ) which was after 30 days have passed, and not received by me until XXXX/XXXX/XXXX. The letter did not address the request from the original letter from XXXX/XXXX/XXXX or subsequent letter from XXXX/XXXX/XXXX. Furthermore, the response was sent after the 30 days expired which is outside of the window in which they were required to respond.
Because of the constraints placed on me to retrieve and the report issues on my credit report - this method allows me to do so without 4 additional steps. 

1. Equifax has independently added verbiage to EVERY Revolving trade line on my account - inaccurately. Each trade line now has remarks = " Comments on Account : Charge, Amount in XXXX column is credit limit '' There Comments were NOT provided by the credit grantor, in any instance, and render the account inaccurate. 

2. According Equifax 's own Website, " High Credit '' is = " Entry on a trade line of a credit file to indicate the highest amount charged by the consumer over the time period reviewed. '' The Actual website address for equifax 's glossary is XXXX 3. The amounts in Equifax 's views/credit reports =- populating the HIGH CREDIT field - are inaccurate and NOT what each Credit Grantor has provided to Equifax as part of their monthly reporting. From the credit report - the " High Credit '' dollar amount displayed on all NON installment Trade Lines - is inaccurate. It must be stated that all accounts have provided a Credit Limit, as required by XXXX XXXX XXXX. Examples are attached. 

Equifax , please delete the comments you ( Equifax ) added on ALL of the revolving Trade Lines. Please also ensure that the HIGH CREDIT amounts displayed, are actually populated accurately and as intended. ( Entry on a trade line of a credit file to indicate the highest amount charged by the consumer over the time period reviewed )
XXXX has been non-compliant with removing the unverified account XXXX Opened Date XX/XX/2017 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that SYNCBPAYPALEXTRASMC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
I just got a XXXX MasterCard with a {$500.00} credit line and they took around {$120.00} immediately so your available line is {$370.00}. That is terrible but not even the worst of there service policies. XX/XX/2018 I made a payment of {$35.00} using their website and set it up has a checking ACH. My balance owed before this transaction was {$510.00} overdrawn due to their fees they took from my account. The {$35.00} payment did not even post to the card until XX/XX/2018 and it only reflexted in my owed balance but still not available. My balance on their screen was {$440.00} but my available balance was still in the negative. I asked for a direct debit from my checking and it takes 7 to 10 days to become available? You have to call and pay a fee of {$10.00} to get your funds sooner than 7_10 day 's. You can not even set up a reoccurring monthly debit using your debit card and I mentioned any payment using a checking by any way takes 7-10 days to become available. The only way to get your funds available is to call and pay a {$10.00} Fee!!! This I believe is a violation of the funds availability act and other acts as well as being one point from a scam. This company should be audited by the correct authorities to see how they are violating certain acts. I want my balance to be XXXX and wiped out by them. No reflection on my credit and close the card as per my request and have no negative reflection on any of my credit reports or I will go public or escalate this to a higher authority. All I said is true so there is no chance I am commiting a defamation or Libel offense against them
I have a auto loan with Toyota Financial services. The loan is in my name exclusively. My soon to be ex wife called them up and removed my phone number as the contact and went paperless. For whatever reason customer service allowed this. I stopped getting notices so I figured the bill was being paid. Unfortunately this is the 2nd time they allow her to do this even after I made it explicitly clear she was not to make changes to the account. 
I am know being reported for XXXX 30 day latest. This is effecting me and my job. I am a XXXX and I worked hard at keeping my credit clean. My understanding is that no one not a wife or parent can call in or a loan and change contact information. 

I said to then I could bring it current if they were willing to fix my account information and remove the lates. I of course brought it current any how. But I am afraid my information is not safe at this company since anyone can call in with my Social and change or receive stuff.. 

To this day they still have her email address on file and have n't updated it back to mine.
Greetree ( changed name to Ditech servicing ) calls me all hours of the night. A representative name XXXX calls me. I told them that the only number the are allowed to contact me on is XXXX. My mother has said they also call on their number which is a separate line from my own line. Even after telling them this for months and years they still abuse this. As I have said before that the only line that I can be reach is on XXXX. I work from home and that is the only number that they can contact me regarding any information about the mortgage. I do n't know how clear I can be on discussing this with them regarding XXXX constant harassment. I am also considering legal action.
My elderly father and I joint leased a XXXX XXXX XXXX for my XXXX XXXX XXXX daughter from XXXX XXXX in XX/XX/XXXX. It was a three year Lease and I elected for the extra 25,000 miles a year option. There was never a late or missed payment on the account for the entire duration of the lease term. The lease was up in XX/XX/XXXX in which I called XXXX XXXX  and requested a three month Extension on the lease. I was granted the extension I signed the agreement that was sent to me and returned it immediately at that time XXXX XXXX was not automatically drafting the payments as it had for the past three years therefore I set up where my bank would automatically send the payment to Nissan out of my account in which the payments were drawn out of my account and sent to XXXX XXXX. On XX/XX/XXXX ( I had until XX/XX/XXXX per XXXX XXXX ) I elected to want to return the lease vehicle to lease a newer vehicle with Nissan. I had set up two appointments with the company that they contract with to have the vehicle inspected in which twice the inspector did not show at the scheduled time in which I Had to take time off from my employment in order to accommodate them. On XX/XX/XXXX my father received a call from XXXX and saying that he is a private investigator looking for the central because there has been no payment on the vehicle and I needed to leave it somewhere with the keys in it because it was being repossessed or there was going to be legal action taken against him I immediately called the number that was given to my father and I did is the man said that he was to come and get the car and that I was not to make any payments to XXXX XXXX I merely called XXXX XXXX they informed me that there was no payment received for the past four months on the vehicle which was untrue per bank statements that are attached and now they have put a collection on to both of my credit and my fathers credit they are demanding {$9000.00} in order to settle the account I do not have possession of the car and this was an agreement and payments were made with XXXX XXXX they have now ruined both my elderly father is impeccable credit score and have jeopardized my ability to apply for summer college courses. I have faxed over copies of my bank statements to several different people I am put on hold I am hung up and they have promised me that it would be handled by the end of each business day and this is affected both my credit and cause me extreme anxiety and emotional distress
I have put in a request for a loan modification from Citibank. My original relationship manager always sent status updates on a weekly basis and if I needed to provide additional documents I was notified in writing. I was assigned a new relationship manager ( XXXX XXXX ) and I have tried repeatedly to get information on my account but to no avail When I call the bank to discuss my request I am told I have to speak only to XXXX. Phone meetings have been set up where she is supposed to call me but she never calls. Consequently it has been very difficult to find out the status of my application for a loan modification
I was trying to Modify my loan with XXXX which was later taken over by Wells Fargo. I suffered because it took over a year to modify during the process, I had to change companies and pay another company to take over and I encountered more fees.
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted the credit bureaus to dispute all non-account holding inquiries from my reports. The Credit bureaus never responded or corrected these issues. Innacurate inquiries are being reported on my credit reports and is disrupting my credit worthiness.
I am suffering a hardship and dealing with raising my nephews whom were displaced as a result of Hurricane Michael this past XX/XX/XXXX. One has been sick and I was in the hospital recently as well. I got {$72.00} in fees for a {$17.00} shortage. Outrageous! I am asking for a refund of the fees.
I had a huge issue with American Express for my credit card when I requested to have my name revised and my address updated. 

1. I have not receive my new credit card as promised. 
2. I have not been reimbursed the expenses I incurred to verify my identity as I told. This is all recorded and I have submitted the invoice as well as the request of a credit for the harassment they incurred.
Fraudulent inquires : 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/XXXX XXXX/XXXX XXXX/XXXX   XXXX  XXXX/XXXX/XXXXXXXX/XXXX/XXXX/XXXX/XXXX/XXXX/XXXX   XXXX/XXXX  XXXX/XXXX/XXXX XXXX XXXX/ XXXX/XXXX/XXXX XXXX/ XXXX XXXX/XXXX  XXXX/XXXX/XXXX : : All this inquires on multiple occasions are fraudulent.
In XXXX 2017, I contacted Penn Credit Corp via certified US mail requesting verification of a debt appearing on all three of my credit reports. I never received any form of verification of the debt from Penn Credit. In XX/XX/XXXX /XX/XX/XXXX the account was removed from my credit reports. Sometime in the first weeks of XX/XX/XXXX Penn Credit Corp again placed this unverified account on my XXXX and XXXX credit report. I received no form of written notice to notify me that the account would be again reporting on my credit. Penn Credit is not following the rules and laws set forth by the FCRA. This disregard of the law has negatively impacted my credit worthiness.
I disputed the validity  of two debts this agency is reporting on my credit reports. They sent me a copy of one alledged bill and not the other. The issue I have is that this bill is stating two addresses of one that I did not live at so in fact it is not valid. That address is n't on my report and I do take my credit very serious and hate to be denied due to false information. It 's not reporting any payments, when the last payment was, or anything that is verifiable or valid. It does n't report any data but is sitting on my   reports. I have no outstanding bills from the address they claim this debt is from. All I asked is for this company to remove from my files.
have contacted all 3 major credit bureaus to get accounts removed due to ID Theft along with police report and ID Affidavit and they refuse to reinvestigate, remove or block inaccurate information reporting these accounts are : 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 , XXXX  , XXXX XXXX  and XXXX XXXX .