WillisBack/dataset-financial-user-claim huggingface dataset:
Since XX/XX/2018we have made many attempts, along with filing a dispute to correct the information, short, this company has failed to correct the correct showing, because, they have told us, we have contacted them to much, the issue, had a medical injury, XXXX XXXX XXXX, involving XXXX, XXXX XXXX XXXX etc, this cause a financial hardship, even with our insurance, never had late payment, nor miss payment, we took a small loan to payoff 2 credit cards. to help ease the burden, which, it did, but, XXXX XXXX, failed to report that the cards had been paid off, we contacted the Banks, and they kept sending the information, XXXX, kepts failing to report, thus the have marked my score from XXXX down to XXXX as of today, thus causing the others to lower my score also, XXXX. 
I do not believe that this company should have the right to destroy mine or anyone 's credit. And when you call, they are very loftiness, I asked to speak to a supervisor, 15 mins hold, this guy answer, asked his name, his replied was XXXX. and I am in Idaho. I asked for a ID number was refused, asked for his full name was refused, told me this was being recording as a threat. I said good, explained to him what the problem was, asked him why his company was the only one. his answer, you said you will complain, so I will not talk any longer to you, Hung up, this was last Friday, XXXX XXXX approx. pdt. I need to have this company not involved, I was trying to purchase a new home. Please help. Thanks, XXXX XXXX
I am currently experiencing extreme difficulty with the credit bureaus. XXXX, Equifax, and XXXX are all reporting my XXXX Accounts as a revolving debt. The definition of revolving debt is- Revolving debt is debt that typically has a variable interest rate, an open-ended term and payments that are based on a percentage of the balance. Revolving debt has a pre-determined limit, agreed upon by the lender and borrower. 
Revolving debt is the kind of debt that credit cards offer and is usually an easy way to get credit. It can be a useful tool when used with discipline. This is damaging my score and affecting my lively hood. My revolving accounts such as XXXX XXXX Credit Card, XXXX, and XXXX XXXX are all in good standing. I have been paying about XXXX80 % of my balance charged every single month. My credit score should be much high than it is. The credit reporting agencies are in direct violation of The Fair Credit Reporting Act where it states, '' Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information. Inaccurate, incomplete or unverifiable information must beremoved or corrected, usually within XXXX days. However, a consumer reporting agency maycontinue to report information it has verified as accurate ''. XXXX account number XXXX, XXXX and XXXX should be reporting as UTILITY not revolving. XXXX acct number XXXX should have a zero balance and account number XXXX should have a balance of {$160.00} not {$380.00} reported. Due to the erroneous reporting since XXXX 2014, my credit score has suffered tremendously. Revolving accounts reporting as past due or late can damage a consumer 's credit report and in this case I have suffered severely.
I have a loan with XXXX XXXX XXXX   XXXX ). I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX and XXXX XXXX XXXX   XXXX with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX to XX/XX/2017.
Between XXXX XXXX and XXXX XXXX of XXXX, I used Out of State medical services that incurred XXXX medical bills. XXXX bills were for treatment at medical facilities, XXXX were for Ambulance rides and XXXX was for treatment during transportation. At that time I was covered by XXXX XXXX. I rec 'd medical bills but knew that my insurance would kick in so I did n't pay much attention. I worked for XXXX XXXX and was furloughed from XXXX to XXXX. I forwarded all my mail to my family 's home in California. Through divorce, changing jobs and being forced to move, I did n't look into my finances for sometime. About 1 year later in XXXX I realized that only XXXX of bills were paid. I contacted XXXX and they stated that the bills were being paid so I left it at that. Another year or so passed and I decided it was time to clean up my credit report from all the bills that were still showing as owed. After research, I discovered that the bills remained unpaid. I immediately called up XXXX and was told that the statute of limitations on the claims had passed and they were no longer liable to pay. After several years of disputing these bills, in XXXX of XXXX the final bill was paid. I was left with the co-payments for ambulance services. I paid XXXX of the ambulance bills in full plus interest to the debt collector to get it off of my credit report. ( Which is still actually on my credit report but shows a zero balance. ) It was approx {$270.00} in interest. The XXXX ambulance ride is stating that I owe approx. {$1100.00} in interest. I do n't think this is fair and want to know who is liable for this and how I can get this and all XXXX bills off my credit report.
Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.
I did not authorize for my credit to be pulled. I have tried to resolve this with the consumers but the customer rep. was not willing to help me remove this from my credit report.
ive been enrolled into the customer assistance program ( hardship ) since XX/XX/XXXX. the first payment was due on XX/XX/XXXX of XXXX, the payments were being done automatic.. the account is closed by the creditor and that's fine. the collection agency states that they are turning over the payments to the creditor. the in house collection dept states that they see the payments. so I contacted customer service dept at XXXX XXXX   and they stated that even thought the account is closed and turned over to an out side collection company they ( XXXX XXXX/XXXX ) can still report the account delinqent
I disputed this reporting XXXX of 2018 and my XXXX  removed this account from my report. However XXXX and XXXX   refused to remove the account even though I left them know that XXXX had removed the account because it wasnt correct. I have called XXXX and requested they take the account off as well since XXXX did but they refused. I am trying to figure out why one company will remove the account but the other two will not.
I was charged by Bank of America for an overdraft fee on an account which was not only ineligible for overdraft, but had funds in the account. This has been an issue in the past, but it has always been quickly resolved, due to its illegality. This time, I was informed there was nothing that could be done to resolve the overdraft and subsequent extended overdraft fees, leaving me with a balance of - {$53.00}.
I sent a letter requesting specific information concerning the debt. I have not received ANY information per my request. The first letter and fax they claimed not to get. I then received a very strange letter in the mail but still NO evidence or ANY information concerning the debt.
Upon reviewing my credit report, I notice XXXX XXXX XXXX, reported that a charged off / " Paid, Closed {$29000.00} written off, '' comment. Since I was not the rightful / legal owner of the XXXX XXXX XXXX. Due to XXXX XXXX XXXX dealership illegal activities during the sales transaction. I have requested on several occasions to remove this item from my credit report or place it in Dispute status, they refuse to response back. I am requesting that all negative responses be remove and updated immediately, including comments like these : " derogatory, Charged off as bad debt, etc. '' I am also requesting validation, made pursuant the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. along with the corresponding local laws. Please note that I am requesting " validation, '' that is competent evidence bearing my signature, showing that I have ( or even had ) some contractual obligation to pay. Please also be aware that the negative mark found on my credit reports from your company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. Pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 5 business days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15.00}, XXXX in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


Desired Resolution / Outcome Desired Outcome : Failure to respond within 5 business days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15000.00} in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Also, that all derogatory and negative marks / responses be remove and updated immediately.
There is a child support account with number XXXX on my credit report that should not be on there. I disputed with the credit bureaus and it was verified. Therefore, I contacted the court house that was reporting the information and they told me that they do not verify information to the credit bureaus. I attached a copy of the letter they sent me. This is a violation of the FCRA and this account should be deleted.
I have a charged off account that appears on my credit report the issue is the same account is listed by two different creditors. The account is listed under XXXX XXXX and Pioneer credit. I opened the account with Pioneer credit. In XX/XX/XXXX The account was transferred over to XXXX XXXX. The account is now past due and instead of one company listing the debt both companies are listing the debt making it appear as if I owe two different companies. I have tried correcting this with no response. I only owe one of the companies for this listed debt. Under the FCRA my rights are being violated. I am requesting that either Pioneer credit or XXXX XXXX remove the debt until than I can not rightfully pay the debt because I do n't know which company it belongs to. Both companies are saying they own the debt. This has negatively impacted my credit in a huge way. I have been denied housing due to this. I am asking that this information be updated on my credit file asap.
XXXX my son was recruited to attend XXXX XXXX in XXXX. We were pressured into attending this school. A rep came to my home to talk to my son and I. When my son and I went to enroll him, I was told to sign a parent loan in order for him to attend school. The school was brand new. After my son attended for about 6 months, he decided to leave, it was not what he was told it was and he informed me that the teachers did not tech him anything and it was a waste of money. To this day am still paying back {$15000.00} dollars in a parent loan for 6 months of attendance. I was charged the full price as if he graduated. I try to talk to someone in the office and made several calls, No one assist me and stated I was stuck with the parent loan. I was misled along with my son and I need help. This has been damaging my credit for over 10 years or more
sent payments for account with the collection agency and demanded written proof of the account being cleared and paid along with written proof being reported to all XXXX credit bureaus. conversed by phone and written letters and was promised documentation via phone XXXX/XXXX/15. since then XXXX additional letters were sent and the last certified mail and demanded written confirmation within 7 business day after receipt. i have received nothing to date. copies of cancelled check available.
I 'm the co-signer of my oldest daughter 's loans. We have approximately XXXX loans with Sallie Mae before it transferred to XXXX. When my daughter graduated in 2011, we were told her total loan payment would be over {$2500.00} which was outrageous. I spoke to them and said there 's not way we would be able to make that kind of payment. They then told us that we could defer the interest, I did n't understand this but the payment was lowered than the original amount so we went that route. It was still high and I had to work XXXX jobs to help my daughter with these payments. Unfortunately XXXX yrs later, our loan amounts sky rocketed. I could n't believe the interest at one point was almost 12 %. I ca n't find the statement that said that but when we applied for these loans, they told us it would be approximately 2 % over prime rate. But the Customer Service rep told me that it should n't be more than 8 % at a high. I was n't too familiar with these types of loans. My main focus was my daughter 's college education and getting her through college without any issues. My daughter has since taken XXXX of the loans to pay them off and get a lower interest rate. I was told that if I did the other XXXX remaining loans that my interest rate could go higher than what it currently is so I chose to leave them be. I did set up automatic payment and they ( Sallie Mae ) would take a .25 % off of my loans so I have them coming out automatically to just save money.
When using the Carrington Mortgage website to pay your mortgage payments, I pay the amount that 's showing as due. Then the following month, they send you a notice advising that you owed a late fee that should have also been paid.
I have a home equity line of credit from  Bank of America. It was a ten year pla n and then you had to pay it off. When it matured in  XXXX  of   XXXX   I was in the process of getting a new line of credit and they charg ed me 5 percent l ate fee on the balloon balance. This charge was about {$7400.00}. I told them I was in the process of getting a new line and they said they would remove the fee when the account was paid in full. I said I needed to have it removed so I could determine the correct pay off amount. They would n't budge, I did n't trust the company to remove it at loan closing time. The contract says nothing about charging a late fee for the balloon balance. It says a late fee will be charged for any monthly payment received late, but nothing for the balloon balance. 27 months went by and I faithfully sent my payment of the interest charge and some of the principal. In 13 years I had never missed a payment or had a payment received  late. My credit score  was excellent. Even though I paid the interest each month from the monthly statements I received from BOA, they still reported my account as delinquent because the line of credit had matured. I had written several letters asking for the amounts to be removed and got no response. The first week in  XXXX  of this year a Foreclosure Notice was duct taped to my front door. I was shocked, disgusted, and embarrassed. I have always paid my bills or gone without and now my house was going to be sold at auction on  XXXX   XXXX . I now have a weakened credit record and I am trying to get a new line and I am still unable to get BOA to remove the charges.
The issue with the Bank of America account is that they charged off the account BUT are still reporting that I owe the full balance. This loan was a XXXX loan for the Foreclosure!! I feel like I 'm getting XXXX because I had the foreclosure and they are also carrying the balance, thus I ca n't rebuild my credit nor can I make any purchases because creditors state I have $ 68,000+ in outstanding debt. 
I was looking through some old email and I actually got charged a XXXX by BOA ( as income to me ) for that debt back in the day too. So I have been charged and this is still not being reporting accurately on my credit report.
On or about XX/XX/2015 I ordered some gold and silver from a company in Texas. I gave them a credit card number, they took my money and since then I have called the company several times. They told me the gold and silver I ordered was not in yet but would be sent to me as soon as it came in. I continued to call regularly and they gave me the same story, so I waited patiently. I have XXXX telephone numbers for that company and upon calling them the last few days, I got a recording that those numbers have been disconnected. Today I called my consumer finance person in my state and he said after investigating, it appears that company is no longer in business. It appears I am out a lot of money and have nothing to show for it. I am hoping to have the company investigated and have my money returned to me as I am sure, now, that I will never see the gold and silver.
On XXXX/XXXX/16 I obtained my Equifax credit report and discovered an unknown medical collection acct listed. I wrote to Equifax on XXXX/XXXX/16 to properly dispute this alleged medical debt and they responded on XXXX/XXXX/16 that they verified the entry belongs to me. They then provided me with the name of the collection agency ( XXXX XXXX ) and instructed me to contact them and provided me with an address. I promptly wrote to XXXX XXXX at the address provided ( as instructed by Equifax in their response on XXXX/XXXX/16 to my initial dispute on XXXX/XXXX/16 ) to dispute and request validation of this unknown medical debt and received no response. I wrote to Equifax REdisputing this unknown medical debt providing them with a copy of my letter to XXXX XXXX as well as proof of delivery of the letter to XXXX XXXX and again requested that they delete this unknown entry on my credit report. According to the USPS, Equifax received that letter on XXXX/XXXX/16 at XXXX. Equifax has failed to respond ( as of XXXX/XXXX/16 ) in the required 30 day time frame and this entry should now be deleted as I properly disputed this unknown account with both parties. This account is not listed on any other of my credit reports. Equifax 's refusal to properly investigate this account is a violation of the FCRA and XXXX.
The company , GM Financial, continues to call my phone number looking for someone unknown to me, who is not at this address and this is not the correct phone number for this person. The company has called my home phone for at least two years, at least a couple of times a month, and I have repeatedly ask them  to take my number off their list, that it is not a correct number. They say they will remove the number and next month they call back.
We filed for chapter XXXX bankruptcy inXX/XX/XXXX.  Since that time the mortgage servicer stopped sending me monthly statements showing the dates my payments were received and how the amounts from each payment were distributed. I attempted many times via phone call, email and letter to resolve this. They stated that since we were in bankruptcy they were not allowed to send us any billing information, even if we requested it. They would also not contact me for any reason. If i called and asked for a return call they would not respond, when I asked for them to send me a document showing how my payments were posted they would not respond. My attorney and I both sent letters giving them authorization to call, mail or email me so they would be exempt from the bankruptcy rules and they refused. The court agreed to exempt my first mortgage from the bankruptcy so we had to reaffirm the loan at the beginning of the bankruptcy and we made the payments to the servicer ourselves, not through the trustee. With this information their representative told me that no one is able to exempt any creditor from a chapter XXXX bankruptcy and that it was my trustee that made the payments. It was not the trustee. Finally about one year ago they sent me documents showing how they had applied my mortgage payments over the preceeding couple years. It was a spreadsheet that any average consumer would not be able to interpret let alone an accountant. Since we filed for bankruptcy in XXXX they had referred our account to their " bankruptcy department ''. Whenever we would call we would have to wait to be transferred to their bankruptcy department which is not their regular customer service group. In every attempt to reach our account representative we would have to leave a message and would not receive a call back. They also restricted what we were allowed to do on their website such as not being allowed to make payments online or download statements that showed how they had applied my monthly payments. 
The last time i talked with the account representative he stated that in order for them to remove us from post bankruptcy status and restore everything to normal which includes sending complete monthly statements we would have to provide another reaffirmation. They have been informed that the court does not require other than the first letter at the beginning of the bankruptcy as my lawyer has indicated and yet they still tell me I and my lawyer are wrong.
I deposited {$800.00} cash into a Chase bank ATM, where I have an account, on XXXX/XXXX/15 at XXXX. I received a receipt that said the ATM has experienced a technical problem and to go into the branch. I did that and was told they did not know where the money was and that they needed to file a claim and they would be in touch. I did n't want to leave the bank not knowing where my money was so I said that was n't good enough. I said I wanted to close my accounts and withdraw my money. In the meantime, the branch manager XXXX XXXX was glaring at me over the glass, so I asked her what she was looking at. She then walked over and told the employee I was working with that she did n't need to deal with me and to call security. We both looked at her like she was nuts, and I asked her why would she call security when i just wanted to withdraw my money. She then instructed her employees to walk away from me and leave me in the cube and not tend to my request. She then told me she was calling the police. I do n't know if she did, but they never came and neither did security. I then called the XXXX number on the card and was told the {$800.00} credit was pending and they were going to investigate the deposit and find out where it was and the phone rep said I could leave the bank, which I did, and that she was escalating it to their executive team based on the behavior of the branch manager. 

Thursday, XXXX XXXX, rolls around and I attempt to use my visa check card at a vendor and it is declined. I attempt to do it again on Friday, XXXX XXXX, and declined again. I call the bank and am told that the account is on hold due to 'fraudulent ' activity. I received NO notification from the bank and have no idea what this is about. I walk into the same branch and ask them, they send me to a banker who tells me that the bank has elected to close my account but the money is frozen due to the claim I made on Monday and the funds will be sent to me via check ON OR AFTER XXXX XXXX!!!! 

I called the executive office where I filed the initial complaint and reiterated my dismay at being retaliated against by the bank. I had REQUESTED TO CLOSE THE ACCOUNT on Monday and was DENIED the ability to do that. Now they close it and FREEZE access to all of my money??? I have {$2.00} in my wallet and no access to my money. 

I want to file a complaint against this bank for harassment, unfair treatment, and STEALING MY MONEY!!