WillisBack/dataset-financial-user-claim huggingface dataset:
My latest statement from Bank of America for a XXXX balance total was {$4500.00}. The due date was XXXX XXXX, 2016. I paid this amount in full on XXXX XXXX, 2016. Then received a new statement stating that I owe {$32.00}. I do not understand, nor do I agree to this practice. It is completely non-transparent to the consumer. When you receive a bill stating total due and you pay that total prior to the due date, that should be it. Done. Instead, credit card companies send you another bill. Why is this allowed? I contacted customer service, spoke with XXXX today, and she said they could credit me {$16.00}, meet me half-way. but I would still need to pay the {$32.00} in XXXX and then on my XXXX statement I would see the {$16.00} credit. I intend to close my account so how will I receive the credit of {$16.00}? It 's stupid. And essentially she said that my credit score is affected if I do n't pay. I paid my bill in full as required via the statement they calculated and presented to me and I did it prior to the due date they provided me Nice. The same thing is happening on my XXXX XXXX credit card account. XXXX?
According to my recent credit report request from XXXX, Experian, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX  Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND CREDITOR HAS NO CONTRACT OR AGREEMENT TO HAVE MY PERSONAL INFORMATION PLEASE REMOVE IT XXXX XXXX XXXX  Account # XXXX THIS ACCOUNT SAYS I AM 30 DAYS LATE BUT I HAVE NEVER BEEN 30 DAYS LATE PLEASE REMOVE LATE PAYMENT MARK ONXX/XX/2018
On XX/XX/2018 i disputed a collection debt of {$200.00} from ( AR resources INC ), this dispute was sent certified mail, as per federal law the collection company can not report any derogatory INFORMATION TO ANY CREDIT BUREAU UNTIL ALL DISPUTES ARE EXHAUSTED, and disputed within the first 30 days of receiving the collection notice. i received the notice on XX/XX/2018, dispute was sent before the 30 days. 

on XX/XX/2018 they sent a letter showing a {$00.00} balance invoice contradicting the claim of $ XXXX XX/XX/2018 i disputed the debt again and never received a reply back. on XX/XX/2018 i received a credit alert notice that ( AR RESOURCES INC. ) REPORTED THE COLLECTION TO ALL 3 CREDIT BUREAUS. 
THEY VIOLATED THE DISPUTE PROCESS AND HAVE CAUSED ENORMOUS DAMAGE TO MY CREDIT FILE. 

THIS COMPANY IS COMMITTING CONSUMER FRAUD, AND VIOLATION THE FARE CREDIT ACT RIGHT TO DISPUTE A COLLECTION PRIOR OF IT BEING REPORTED TO ANY CREDIT BUREAU
I do n't know w ho is company is what this about all I get was a phone call on my home phone with no information and I have been getting from get this call regularly and want them to stop. this company has a record message and they left a message on a answering machine. give on ref # on this and I just want them to leave me along.
I have a loan with Spotloan.com for {$700.00} and I have already paid it back but they still want {$600.00} more.
I do not know this company and was not provided no specific update information when it was updated on my credit report. Just a different name and that I do not recognize and this do not belong to me.
I called XXXX XXXX XXXX to dipute credit card information that was incorrect on my credit report on XXXX 2017, I spoke to a supervisor and they could not locate any account with my name or social security number. I was told by supervisor that they will send an email to Equifax to have account remove from credit. its has been more than 90 days and information is still listed
XXXX XXXX, XXXX, amount of {$1200.00}. I have filed a Police report for XXXX XXXX. XXXX XXXX has removed this account from all three of my credit reporting agency. However XXXX XXXX is now reporting the fraudulent account XXXX XXXX to my XXXX credit reporting agency and has not responded to remove this fraudulent account.
I attempted to request several disputes and to my surprise was told : The below 8 items were not submitted and need your attention. Unfortunately, they failed to process my disputes and this is my third attempt. Please see the attached documents as proof.
I can not access Equifax dispute online. I tried to log in and dispute a collection that is outside the statue of Limitations from XXXX. 
The collection amount is XXXX. I have tried for the last four days. 
I applied for a job and they told me due to my collection issue I could not get a job based on my Equifax report. I will provide your with proper documentation pertaining to their removal.
Midwest recovery systems placed a debt collection account on my report, I received no notice before hand in order to dispute. I've never received anything from this company and I never had a payday loan from the company they state it was with. I disputed the account on my credit report but it was of course verified by them. They have reported it as opening XX/XX/2017. I have not been provided with a single item showing I actually owe this debt yet they continue to verify.
I have sent 2 multiple inquiry letters to Transunion within these 60 days. I also had a fraud alert placed on my credit file on XXXX XXXX, 2017 that indicates anyone who runs my credit needs to call me verify my personal information and that was n't done and that violates my rights as a consumer. I explained to multiple CSR that their are multiples of certain places of inquiries that definitely indicate fraudulent activity but they do n't care. I reached out to the Transunion on more than one occasion to advise of my credit being pulled without my permission. They keep telling me there 's nothing they can do and inquiries are factual and no real foot work has been done to help me the consumer resolve this issue.
American Express put a charge off on my credit for a credit card that I am still paying on and have never missed a payment. First of all, the card I received was not the card I applied for. Once I realized that the card required full balance payment every month, I owed XXXX. 
I then contacted them and set up a payment plan. I have been paying on the plan every since and on time!
I had refinanced my mortgage which closed on XX/XX/2016. Nationstar mortgage company still has not refunded my escrow balance ( property tax in this case for {$1900.00} XXXX. I have been in contact with them since middle of XX/XX/XXXX, and each time representatives would assure they are taking a step, initiating the request, and so on. Their original excuse was that they sent the check to XXXX. I called XXXX, and they informed me that they received the payment from new escrow account but never received anything from Nationstar. I was informed that the balance was in the system, and that the check would arrive before XX/XX/XXXX for sure when I called before XX/XX/XXXX holidays. It never came ... After numerous phone calls lasting about XXXX min each time, the representative from yesterday said it would take another XXXX weeks to request the check but would try to expedite to be processed in XXXX business days, which means I would receive the check in middle of XX/XX/XXXX. I was upset and asked to speak to a supervisor. XXXX, supervisor, said he would investigate and follow up with me personally and get the check sent out asap. I really do n't trust anything they say at this point. I refinanced another property exactly at the same time, and the other lender sent escrow refund check to me in middle of XX/XX/XXXX. Nationstar Mortgage company should not take XXXX months longer than other lenders to refund escrow balance owed to customers.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed.
I have been disputing the following items for over 6 months with no response or proper verification as to their completeness in recording, verification methods, and accurateness. 


XXXX XXXX Investigate if I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX Please take off the late things from this account because I believe I made my payment that month. 

U S DEPT OF ED/XXXX XXXX I am disputing the financial obligation because there is no contract. It violates the FCRA, so please remove this collection immediately. 

U S DEPT OF ED/XXXX XXXX Please take into account this collections opening date and last activity because it does not match my records. Please remove immediately. 

U S DEPT OF ED/XXXX XXXX Please investigate this collections status, I do n't think it 's accurate. Please remove this collection for it 's inaccuracies. 

U S DEPT OF ED/XXXX XXXX I am requesting an investigation on the account responsibility. Can you take a look at the account number and company name. I do n't think it 's XXXX accurate, so please DELETE this collection from my credit report. 

US DEPT VETS XXXX Please take a look at this collections account number and balance because it seems off. I do n't think it 's XXXX accurate. Remove it from my credit report immediately please. 

USDOE/XXXX XXXX Please perform an investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match my records.
I am contacting the CFPB for urgent help as my home has a scheduled foreclosure date of XX/XX/XXXX. I have been attempting to get a modification from PNC Mortgage for years. I had as business that I struggled to keep open for years and eventually closed the business and found employment. I have submitted applications over and over and always closed out for not sending in documents I sent in. I am begging to keep my home I purchased in XX/XX/XXXX for {$260000.00}. The value on this home is approximately {$310000.00} and I owe with arrears close to {$460000.00}. The rate is 5.875 %. I am not even looking for a lower payment, I am just looking to resume making payments. I had filed Chapter XXXX 2 years ago and this made applying for the modification even more difficult through the bankruptcy department. I am hoping the CFPB can forward my complete application to avoid going back and forth over missing documents.
Today is XXXX, XXXX, 2015, no payment has been made for over eight years on a mortgage for a home that I legally own. The Statue Of Limitations in MA is XXXX years to collect any kind of debt. The original mortgage was with XXXX XXXX Mortgage and XXXX Mortgage, XXXX Mortgage forgave the debt and discharged it at the registry of deeds, XXXX XXXX Mortgage sold the debt and has been selling it and moving it around to all different banks, a lien was placed at the registry of deeds by US Bank NA, In the mist of all this my identity could possibly be at risk for identity theft.
In XXXX XXXX I purchased a commercial property and XXXX was the lender on the promissory note in which the commercial property was used for collateral. I made my payments faithfully and was never late. On XXXX XXXX, XXXX I got an on demand letter from First Citizens Bank, from a XXXX XXXX who was a Senior Vice President of First Citizens Bank out of the North Carolina office, prior to receipt of this letter all my business was done with the local banker in XXXX XXXX, FL. On receipt of this letter I immediately called my banker, he indicated to be that he no longer could help me " because the big guys upstairs took this over and wanted this note to end ''. I tried to deal with the above mentioned party to no avail. I was told that the full note was due and that if I could not pay, then I needed to consider selling the property. First Citizens Bank bought out XXXX in XXXX. I was doing fine with that bank until XXXX. After I received the letter and it was clear that I was not going to get any help or relief from the on demand payment call, I reluctantly entered into a short sale contract in XXXX of XXXX. At this point I had paid into this property timely, timely, for 13 years!! In XXXX of XXXX the same XXXX XXXX from First Citizens Bank accepted an offer to sell the property for a proposed price of {$340000.00} leaving me approx. {$240000.00} short of paying off the note. The property then sold. At this point I was still current on all payment through XXXX of XXXX. I do not understand why I had to sell the property for which I had never been late paying on. I pride myself on my family values of paying what is owed on time always. So now the property is gone and on XXXX XXXX, XXXX a year after the property was gone I received a Summons and a Complaint was filed in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in and for XXXX XXXX, Florida. The Plaintiff First Citizens Bank and Trust Co, as survivor by merger with XXXX, f/k/a XXXX, filed suit against me, the Defendant in an action for damages in the amount of {$240000.00}. At that point I was like " What!! '' the property is gone by duress, I feel that they forced my hand in selling the property, and now over a year later I am getting sued? I did not know what to do, so an answer with affirmative defenses and counterclaim was filed with the same court stated above. What good does it do to answer back, the property is wrongfully gone, they want $ XXXX they will not negotiate and they will issue a XXXX and I will be hit by income taxes that I will not be able to pay. Now it should be noted that the property that was pried from my hands unlawfully, ( it is proven that they did not even own the note, as the note was improperly executed in the merger ) is able to be sold for XXXX - in less than 2 years, if the above mentioned bank would have allowed me to continue to pay ( as I did faithfully for 13 years ), I would of still have the property and their interest would of continued to have been protected as it had been for 13 years, now they want a default judgement on me. How can this be legal, it is certainly not fair, nor just.
First, the debt collector alluded to the fact he was associated with my XXXX loan providers. I turns out, he is freelance. 

Second, he offered a {$75.00} a month payment plan. He wanted me to see if I could get {$2500.00} to pay the whole thing off. If not, I would do the monthly payment. He wanted a little down, so we agreed on {$25.00}, which I paid, and received a receipt for. A week later, the day I was supposed to call him back, they pulled {$710.00} out of my account with out notice and without a receipt. This transaction was never discussed.
I have disputed XXXX different XXXX accounts with Equifax asking that the collection company prove the following : Right to collect Verification of debt through a 1st Party on not a 3rd party online system Original promise to pay with Signature Equifax is not actually investigating this they keep sending the same records of previous statements to me accepting those as proof of the verification. This does not prove that they have the legal right to collect or that the account is accurate, or its originality. This is not the proof of verification that is requested. XXXX has already deleted these items because they were not able to verify as the law states that they must. 
Equifax will not fix this and I do not have the funds to hire a lawyer to make them do what they are suppose to.
I received a call from a man stating he was calling from XXXX XXXX. He called from a local number XXXX, VA number XXXX. He then asked that I call him back to discuss a very important matter with a case number. He did n't provide the case number but asked that I call him back at XXXX. He also said that he had been repeatedly trying to call me
I opened an HSBC Credit card because they had 0 % interest for balance transfers for the first 18 months. I did a balance transfer, one month later my old credit card ( XXXX   XXXX ) had still not received the payment so HSBC cancelled it for me. Now I tried doing the balance transfer using the check HSBC gave me and this worked. So my balance was transferred ( {$1800.00} ) over to Hsbc in XXXX, I made my first payment in XXXX ( {$50.00} ). XX/XX/XXXX I received a letter stating my next payment would be XX/XX/XXXX. So on XX/XX/XXXX I tried to schedule an online payment with no success. I clicked on live chat and explained my problem and they said to call during business hours because my account was frozen for fraud. I've been on hold for over three hours so far. I went to th branch and they couldn't help me either. There is no reason for my account to be frozen as there has been no fraud and everything I've done on the account I have done with them over the phone. Now I'm worried I'm going to rack up late fees because they won't late me pay my bill and at this point I just want to find another bank with better customer service. The online live chat wast helpful at all simply told me to call the number that he had no information. 
I also received no notice that my account was frozen.
On XXXX XXXX XXXX, a check for {$1000.00} dollars was forged by a person I have never met nor heard of, and withdrawn from my Chase Student Account. When I caught the fraudulent transaction on XXXX XXXX, I panicked.This was money used exclusively to pay my tuition for college and suddenly it was gone, so I immediately called Chase ( XXXX XXXX ) to report it. Chase assured me that I had done the right thing by filing immediately and closing my old account, they said all I needed was to send in an affidavit and they would get stated on returning my funds. I felt instant relief knowing that I had caught it in time. As of today, XXXX XXXX, XXXX I still have not received my funds despite doing everything Chase has requested and have been left with nothing but tears, frustration, and an outstanding bill with my University that I am unable to pay. When I mailed my affidavit to Chase on XXXX XXXX I thought I was on the road to resolution, so imagine my surprise when I called Chase in late XXXX for an update on my claim only to learn that the process had stalled since they 'd never received my affidavit. Upset, but understanding that mistakes can happen, I rushed in to fax my affidavit directly from a Chase branch which they received on XXXX XXXX. From here, a senior specialist assured me, Chase had 60-90 business days to process the claim and return my funds. With the end of my XXXX XXXX approaching I had finals and XXXX to think about, but I made sure to check in for updates with Chase ( there were never any ) and was left to wait until the 60-90 days were up on XXXX XXXX XXXX. Since then my claim has been " escalated '' 3 times with no resolution ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) and I have gone from being a loyal and content Chase customer, to an exhausted recent XXXX at her wits end. My college XXXX, what was supposed to be one of the happiest days of my life, is marred by the fact that I can not and will not receive my diploma-that I have worked four long years for- until my tuition balance is paid off, which I can not do without my funds from Chase. I have been so patient and understanding, and respectful with the hard working agents who have been fielding my multiple calls, but at this point it feels that Chase simply does n't care despite their thanks to me for being a " valued Chase customer. '' I do not feel valued. I feel used and exhausted and after nearly 7 months of this, I would simply like it resolved.
I CHECKED MY EQUIFAX CREDIT REPORT AND IT SHOWED A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX XXXX CONTACT PERSON XXXX XXXX XXXX XXXX ). EQUIFAX WAS CONTACTED ABOUT THE FRAUD ALSO AND DID NOTHING.
I contacted Home Depot Credit Card ( issued through  Citibank ) t o inquire about a possible credit limit increase on my account. I asked the rep repeatedly  (  have a recorded call validating this ) if there would be a credit inquiry on my report for the credit limit increase request. She stated NO, there would not be. I asked her if she was sure and she put me on hold and then came back and once again reassured me that there would be NO hard credit card inquiry put on my report. She went ahead and processed the limit increase request BASED SOLELY ON THE FACT THAT THERE WOULD BE NO HARD INQUIRY and at the most a soft inquiry, this is the ONLY way that I agreed to let her do it. She then tells me that she has to transfer me to another department so that they can get more information and " verify me '' to further processing the request. When I reached the second representative, I asked again for him to confirm that there is NO hard inquiry, this rep says YES there is a hard inquiry, it was already done by the first rep and that there is always a hard inquiry with there company. Very upset, I told him that I had just been lied to about the HARD INQUIRY by the rep who first handled my call and transferred me to him. I also asked him to get the hard inquiry off of my report because in addition to being lied to about it, I absolutely did NOT authorize it. I told him to cancel the limit increase request and do not go any further with it due to the deception that I had received. In fact, we never even got to discuss the increase or verification or whatever the purpose the call transfer was for. We only discussed the Hard inquiry being removed and the fact that the rep had just lied. He ( second rep ) did apologize on behalf of the first rep and stated that he put in a request to have it removed and that I would get a letter in the mail in 10 days. This all took place on  XXXX / XXXX /  XXXX  . I have never received that letter. The inquiry is still showing on my report as of today. I also called back about  2  weeks ago and was told the same thing. Still waiting. A week ago, I submitted an online request and no one has gotten back to me. Still waiting. The hard inquiry that I did not authorize has affected me negatively and has dropped my  credit score . And no one gets back to me about it. I would like it removed immediately.
CAPITAL ONE AUTO FINANCE WAS SUPPOSE TO REMOVE ALL HARD INQUIRIES THEY LEFT ONE DATED XX/XX/2016.