WillisBack/dataset-financial-user-claim huggingface dataset:
I have had one account with CONN 's that I opened XX/XX/2013. Conn 's has reported this account as five different accounts on my credit report. I just recently checked my credit and CONN 's was showing me past due and that I owed {$350.00} on the account. I have set up payments multiple times to re-occur so that my account would stay current. Here is what I found out after talking with a customer representative with CONN 's and is what I believe is an unfair practice that CONN 's uses to report derogatory information. Conn 's never sends out a past due notice either electronically, by mail, or by phone. You might get a phone call if your account is 90 days past due. Also, when you set up automatic payments over the phone they can only be done for 3 or 4 months at a time which is something that I was unaware of. Conn 's his a high risk granter of credit and I believe they use this practice to keep peoples scores low so they will have repeat business. I myself have received several offers to increase my credit by mail but not one late notice. Please Help!
I had receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX acting in behalf of XXXX XXXX XXXX, XXXX ; disputing XXXX XXXX XXXX charges for the amount of {$1000.00}. 
This account has been filed and solved on XX/XX/XXXX with the Consume Financial Protection Bureau, with reference number XXXX. 

First of all, this polemical disputed derogatory charges from XXXX XXXX XXXX has been disputed many times with several other creditors. After, disputed such inaccurate charges with XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XXXX, based in the findings subsequently such derogatory information was deleted by those creditors from my credit profile. 

Now, XX/XX/XXXX XXXX XXXX XXXX is persecuting me again for services that I have had never provided by XXXX XXXX XXXX. My personal profile has been jeopardized multiple punishments for the same issue by the missteps of all those collection agencies. This aforesaid derogatory disputed account, it seems that has been transferred or sold amount collection agencies. 

XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, must cease and desist with this multiple jeopardy persecution and punishment for the same issue that previously has been solved. 
The aforementioned derogatory charges from XXXX XXXX XXXX are services that I have had never solicited nor provided by XXXX XXXX XXXX. 

This is a matter that has been on and off for the last nine ( 9 ) years and needs to stop the harassment over this controversial issue immediately.
There is an account that I have disputed and requested validation of and nothing has been received. Please help assist me
A1 debt collectors tried to collect this debt with 2 letters sent. The first letter was lost, the second I received I tried to call to understand what the debt was. I never signed a contract with the original company, and second the company HAS never sent me a bill at all. When I contacted A1 the man I spoke with would not stop talking so I could ask how I never even received a bill and now you say that I owe. I discontinued the conversation, I sent a debt validation letter asking for contracts signed, where were the bills sent that the company says they sent that I never received. When I received their reply it was nothing more than they say the company says I owe the money. I NEVER once received a bill, had I received a bill we would not be at this point. I have all the paperwork between A1 and myself, I am sending a second debt validation letter asking for the pertinent information that says I signed a c ontract with my signature and also when these so called bills were sent that I never paid.
I received a letter from ARS signed by XXXX XXXX. This is a collection letter for healthcare services my spouse received. We have 2 insurance companies. The claims were not sent to XXXX first and then to XXXX so they have not been processed correctly, after repeated phone calls to XXXX XXXX of Arizona. I called ARS to first, remove my name from the letter as I am NOT my spouse 's guarantor and should not be receiving his HIPAA protected information. And the man that answered was EXTREMELY rude and said I have to send in his driver 's license to take his name off. And I said, no I do not but in any case the claims haven't been sent to the insurances. He refused to listen to me and said we will just leave it as is then and HUNG UP ON ME!!!! So rude!!
Barclays Bank closed my credit card account with no prior notice. 
I believe Barclays is deceptive with their business practices in promoting a credit card with rewards and then shutting down my account with no prior notice and not allowing me to redeem my rewards.
Hello, I have a charge off with amazon that they sold to XXXX in XXXX XXXX. My account was opened in XXXX I recently found out about a consumer lawsuit that synchrony had that included illegal practices and my account qualified since I had account security yet they closed my account without allowing me to use it although they put the account security automatically on my account unbeknownst to me. 

To make long story short, they added this extra add-on for account security insurance that I had to look at a paper bill to note that they added that fee to my account monthly and it was in the event of job loss etc. they would cover up to {$10000.00} of my bill and I would make payments of XXXX % or so of the debt. 
The relief of the lawsuit was to be a credit for the fees in a check, a reduction of your final bill even if charged off { which I never received } or as it says in page XXXX of the pdf a delete of your account at the cra level and they also had to notify the cra of these things. 
This lawsuit covered accounts between XX/XX/XXXX and XX/XX/XXXX depending on which part of the lawsuit applied to you. 

Here is the link of the lawsuit and the relief that they needed to provide and did not in my case. This was in XXXX, however, my account is from the period for which this lawsuit was done. 
XXXX here is also a link to the CFPB article on this same lawsuit that I found : XXXX 

Here are my data points : 1. I was late a few times due to job loss and they closed my account when I went to make the next payment and told me that it could not be reopened. Ok. 
2. I pleaded with them to let me pay the next payment that I wanted to and they said it is already closed too late. 
3. I explained to them that due to the job loss I was a late a few times but they never ever told me of my option with this insurance that they added to my account without my permission that I was allowed to have account security and that I would meet the conditions of being covered. They kept this from me. 
4. According to the lawsuit even after it went into charge off they should have reduced the amount by the amount of the fees of adding this add on that I did not consent to and they did not instead when they sold it to XXXX XXXX in XX/XX/XXXX the amount was double the final bill of XXXX and now it is still XXXX and pra continues to reage the account monthly. 
5. They did not notify me or the cra of any of this or of the relief and I never received a check in the mail either. 
6. ON page XXXX or so of the synchrony pdf above it states that the trade line may be deleted. 

I attempted to call Synchrony in order to discuss with them and they simply told me that I could only deal with XXXX XXXX XXXX as they had my account. Speaking with XXXX XXXX is impossible because all they want is to get paid. And they too are in violation since I asked for no communication via phone and I have screenshots of my phone how they call me daily as I wake up and in the afternoon and at night from various numbers that I googled to be them. Harassment is what XXXX XXXX is doing aside from re-aging the account monthly so that I appear to have a new account in collections with them every month.
it is impossible to contact my credit card. They provided an international phone number after I placed a claim here : it 's a fact, but that automatic voice service requires a social security number/ tax ID number/ telephone pin number. As a XXXX non resident XXXX, I do n't have a Social Security nr. I was never ever informed by the bank any telephone pin, I just have the regular pin that I use. I 'm trying to buy a wheel for my car, and it 's just impossible because I ca n't access Regions Bank Visa and they have n't authorized the purchase.
I have had a mortgage on the same house for over 25 years. I have never had a late payment. Green Tree is now saying I have had late payments and is trying to assess late fees despite proof to the contrary. I make my payments by phone each month. This past month their phone lines were down and I was unable to reach anyone for 3 days. The calls were cut off when trying to reach a live person. The prior month GT indicated my payment was received a day late despite phone records to prove otherwise. When attempting to make a payment on-line one is allowed only to pay the amount listed despite disputes to the contrary. Their employee 's are rude and incompetent. They have repeatedly lied about information they have received.
THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. This is not my debt or it is a fraudulent account and it is not my account.
After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge.
Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all 4 request not some. 

Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account
Financial aid through the hospital forgave account balances in full. Removal of owed debts are now XXXX balance. Senex Services Corporation have failed to respond to my notices regarding removal of debt.
I have an account with Wells Fargo, I got money on  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX   and  XXXX / XXXX /  XXXX  , when I saw my account on  XXXX / XXXX /  XXXX   I had not money on my account!, I made a report to Wells Farg o ( t hey took {$300.00} ), f that were disappear from my count, they said I got the money on  XXXX / XXXX /  XXXX   and after it they said a different date they said  XXXX / XXXX /  XXXX  , but I did n't do this transaction!!, Wells Fargo took {$300.00} dollars from my account!! I was saving this money for my  XXXX  mortgage payment!, they still telling me I made the transaction. but I did n't do that, I want to make a complain because they stole money and does n't wants to be responsible by they actions.
I BELIEVE I AM BEING deceived and lied to by a company called UPGRADE a online lender whom I ( XXXX XXXX XXXX ) obtained a loan # XXXX with on XX/XX/2017 and paid it off I thought on XX/XX/XXXX however my payoff amount which was quoted to me by customer service rep XXXX XXXX was not credited to my account until XX/XX/XXXX resulting in me being charged an additional {$8.00} for the day it should have been credited so I'm finally anticipating my paid in full loan to show up on my account lo and behold NOTHING the rep claims I can no longer view my account and I have to wait 10 business days to get my final papers in the mail not online since I'm not a novice at getting loans online and paying them off I know for a fact other companies like XXXX XXXX XXXX etc have given me information as soon as my loan was paid in full this practice by UPGRADE seems illegal deceptive unfair and theres many other terms I can use but its just outright wrong I still don't have my paid in full documents I'm asking for your ASSISTANCE in this matter thank you
XX/XX/2018. After further research regarding my Equifax credit file I found that my personal information had been breached. After several attempts to have inquiries, collection accounts that have not been validated as belonging to me, and a bankruptcy reporting after being removed from my XXXX  report I've still yet to see any changes being made. This has caused a major issue for me when legitimately trying to acquire a mortgage and financing a vehicle for my families needs.
Alpha Title did not transfer the funds to my bank after the closing. As the seller of a house, I went to Alpha Title to close around XXXX on XX/XX/2016. All paperwork was signed, but the Escrow Officer dated the paperwork for the next day, as she told me she could n't issue me a cashiers check or transfer the funds that day due to the time of day. She said the post dating was just a formality when I questioned this. About an hour later, I was informed from my realtor that the sellers agent ( who is a good friend of the Escrow Officer ) called the escrow officer and told her not to transfer the funds, as the new owners found some surface mold in the basement and were concerned. The closing was completely finishined. I would have not given the new owners the keys yet if I knew the Title Company could just not transfer the funds because the seller realtor told them not too!
On XXXX XXXX XXXX around XXXX ; I received a phone call at my office stating that she was agent XXXX XXXX with the Federal Bureau of Investigation. I was told the IRS sent her information that my identity had been stolen, and the perpetrator had outstanding taxes owed. An arrest warrant would be issued in my name if the taxes were n't paid immediately. From this point, She told me that she needed to confirm my bank account information to make a withdrawal, she knew my checking and routing numbers, which led me to believe she was indeed with the FBI. I did n't have enough in my checking at the time, so she told me to use credit cards to pay the taxes instead. To make a very long story short, I spent the rest of the day running around buying gift cards in large amounts ( $ XXXX {$3000.00} ), where no one who knew about the scam questioned me and allowed me to make such purchases. 

Finally, the next Day I realized it was an elaborate scam and I immediately called Bank of America to report that I had fallen victim to this scam. I filed fraud disputes for all of the transactions that were solely because of this scam. I then immediately filed a complaint with the Federal Trade Commission, and was told by the FTC that the stores where I made the purchases should 've questioned me on the large dollar gift card purchases, and that this would be looked into. 

After doing some research I came across an article that stated that victims of scams can only be charged {$50.00} if the unauthorized transactions were reported within three business days, the article also mentioned that transactions that were conducted by consumers being misled by scammers would also be recognized as unauthorized, and therefore covered under " Regulation E ''. 

A few days later, I checked my credit card account only to discover that the total amount disputed had, in fact, been charged to my credit card. I realized that the bank had denied my claim. I have consistently been a fiscally responsible person all my life, and banked with Bank of America for several years, only to have this happen to me. I know this will reflect poorly on my excellent credit score, and believe that people should be protected against situations such as this. Bank of America is apparently known for denying claims like this, and I would like my rights honored.
Sir - The debt was originally with XXXX Hosptial which I was paying off in installments and reduced to {$1000.00} in XX/XX/2018. Then without mentioning to me, the debt was transferred to Frost Arnett ( account XXXX ) on XX/XX/2018. However on XX/XX/2018, I paid XXXX Hospital {$200.00}. The letter from Frost Arnett arrived on XX/XX/XXXX When I got the letter I called Frost Arnett immediately and informed them that my debt was only {$800.00}. The person said that they would check about the payment of {$200.00} to XXXX and never called back which he said they would do. I called XXXX also I filled a complaint already with Frost Arnett asking them - why dont you verify the {$200.00} which I paid and reduce my debt by {$200.00}? No Answer. Lastly I said that I would file with FTC and XXXX if I didnt hear by XX/XX/XXXX which I am now doing. I even paid Frost Arnett {$400.00} but I will go further until I hear that my {$200.00} direct payment to XXXX has been credited I have uploaded and shown Frost Arnett the  echeck of XXXX XXXX XXXX cashed by XXXX on XX/XX/XXXX to no avail - why dont FA call or write XXXX about the {$200.00} which I wont pay twice XXXX XXXX XXXX
On XX/XX/2016 I went into a TD bank to sign for a line of credit and was forced into opening a checking account. I informed the banker XXXX XXXX that I do not need another checking account and that I wold not use it. XXXX continued to tell me that I need to establish a checking account to get the line of credit. He also stated that I have a overdraft line of credit and that it was mandatory. I informed him that I did not have the overdraft line of credit and when I spoke with the associate to set up the loan closing I informed them that I did not want to open an account. XXXX was extremely unethical when forcing products on me with misleading information. On XX/XX/2016 I spoke to XXXX XXXX from the TD Bank loan department and had my suspicions confirmed. XXXX XXXX had me open a checking account for his gain and this is unacceptable.
This is regarding the currency exchange I made at Chase Bank branch at XXXX XXXX XXXX XXXX, NJ XXXX, on XX/XX/2018. 
I asked to exchange about XXXX US dollar to XXXX Krona. I asked about rate. The bank teller hesitates a while, and said I could exchange XXXX Krona for XXXX USD with the rate about XXXX. I asked if there is any other fee. The answer is no. As a longtime Chase Bank customer, I did not think much. I took the receipt after the teller placed the order, and leave. 
I looked at the fine print on the receipts later, and found that it says the rate includes commissions. I went online and did a quick calculation. Based on the published market exchange rate at that day, XXXX Krona equals to about XXXX USD. So the exchange rate from Chase Bank is over 11 % higher. 
I think it is cheating by including high commissions into the exchange rate, and not informing the customer about it in advance.
Good afternoon my name is XXXX XXXX XXXX XXXX XXXX I have been dealing with this issue for years now I have submitted all documents too XXXX XXXX discharge I receive XXXX and they are trying too garnish me I have no use of my XXXX and cant XXXX no medical insurance have too pay for everything out of pocket please help me
No matter what i do All XXXX credit bureaus do not provide me a credit report. I suspect that something is wrong but without a copy of the report I do not know where to begin.
XX/XX/XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX : CREDIT COMPLAINT LETTER To Whom It May Concern : I received a copy of my credit report and am disputing information concerning my payment history. Accordingly, I am requesting that you investigate my dispute and add the attached history ofpayments to my credit file under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ]. Please check the following accounts again accuracy. These accounts were removed from my credit report on the following months. XXXX XXXX removed from XX/XX/XXXX ( 30 day late removed ) dated on XX/XX/XXXX, XX/XX/XXXX ( no longer reported as 30 day late ), and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX removed XX/XX/XXXX ( Charged Off Removed ) dated on XX/XX/XXXX and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX XXXX ( XXXX ) removed XX/XX/XXXX dated ( Charge Off Removed ) on XX/XX/XXXX. Because the inaccuracies were not corrected, I could not get a mortgage loan and a car loan for my daughter. Not only that but your agency has taken away so much time and stress that was unnecessary. I have spent hours, days and years sending in documents and you fail to clean up my credit file. After explaining why and how the items were removed, one of credit bureau associates refused to dispute/delete the inaccuracies ( XX/XX/XXXX ). I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Additionally, if you contact any entity ( person or company ) in order to make the necessary updates, please provide the names, business address and telephone numbers so that I may follow up directly if needed. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX Social Security # XXXX
I visited XXXX XXXX store to purchase a gift for my girlfriend. Since I never received my card in the mail and didnt have any information about my account, the cashier told me to provide a form of ID and she could locate my account. I informed the cashier that I really need access to my account and a card re-mailed because I never received one. She phone customer service on my behalf and after I verified my account, I was told a new card would be mailed. I am a XXXX XXXX XXXX who works in Texas but lives in Florida. I only go home to Florida every six weeks. So, im constantly checking my mail and gathering everything to bring it back to Texas with me. However, a new XXXX card never arrived neither did a paper bill. After not hearing from them via postal mail, I finally received a call from XXXX XXXX XXXX about my unpaid bill. I explained again to the rep that a card has never arrived in the mail and I had no account information even after I had already gone inside a store and told the cashier the same information. The rep took my payment via phone and the account was brought to {$0.00}. I checked my credit report last week and noticed they reported a late payment ( 30 days late ).
Dear Sir, I have no idea, why Experian has been mentioning hundreds of soft inquires in my credit file. I have taken Experian membership, checking myself by logging into my account and paying every month to check my credit and protect Identity. As and when I run credit report, I have seen the soft inquiry of " XXXX XXXX XXXX '', " XXXX/XXXX XXXX XXXX '', " EXPERIAN '', " XXXX XXXX '' and " EXPERIAN ''. I ran the credit report dated XX/XX/2018 and got to know that Hundreds of soft inquiry on my credit file by above mentioned companies. Could CFPB kindly direct to explain the reason of above mentioned company inquires, who are they and why my credit file has hundreds of soft inquiries by above mentioned companies. 
My credit file should have only inquiries related to me and only my Experian self check credit report and inquiry date. I have no idea, why these companies have hundreds of soft inquiry on my credit file and Experian must answer all these soft inquiries in my file.