WillisBack/dataset-financial-user-claim huggingface dataset:
I relocated to the XXXX area for work and rented a small apartment for 6 months. The last month 's bill was not forwarded to my address which I had left with the rental agency. The debt of {$59.00} was sold to XXXX XXXX XXXX by XXXX XX/XX/XXXX, 3.5 years after I had moved out of the apartment. I was not aware of the any debt being owed to XXXX. When contacted by XXXX, I stated I was unaware of the debt, but researched it and determined I owed the amount. I agreed to pay XXXX and was told that my credit bureau would not be impacted due to the circumstances. That payment happened on XXXX/XXXX/XXXX. I have followed my credit bureau and my scores have been in the XXXX since that payment was made. My last update was on XX/XX/XXXX and my score was XXXX. On XX/XX/XXXX I applied for a mortgage and was told that my credit score had dropped to XXXX. This was due to a collection account being reported by XXXX XXXX XXXX . The same account that I had paid XX/XX/XXXX. I had contacted the company and was told that the account had a XXXX balance and was being reported as paid in full, which it was, but was also showing as a collection account. What does n't make sense is that XXXX reported the account as a collection account 7 months after it was paid in full and had not been reporting on my bureau during the months in between. They offered to send me a letter confirming a XXXX balance. I inquired as to why I was told by one of their agents that this would not impact my credit when I paid it and was informed that it was their policy to report accurate data to the credit bureaus within 45 days of a debt being assigned to them for collection. I asked for a supervisor and was denied. After a second call, I asked for the trade line be removed and explained my entire situation again. I asked for a billing dispute team and was informed that they would look into pulling the original call to determine what was communicated to me. I attempted to call back a third time to lodge a formal dispute, but was unable to get through to an agent. I was forwarded directly to a voicemail at XXXX est. I made multiple attempts with the same result. I disputed the trade line with Experian, will file a dispute with XXXX and attempt to contact XXXX again. I do n't see how this company can place a trade line on my bureau 7 months after I paid as agreed in full and was told that it would n't impact my credit. I am looking for XXXX to live up to the agreement we made XX/XX/XXXX and remove this negative mark on my credit bureaus.
Dear Sir or Madam, I am a long time customer of Suntrust Bank in XXXX, Md. I am seeking your assistance with an issue I am having with Suntrust. 
In XXXX I met with the XXXX Branch manager, XXXX XXXX XXXX, VP who offered to open a new credit card account with Suntrust and to move a balance I had with XXXX XXXX XXXX onto the new account which would be interest free for a period of 12 months. The account was opened and I began making payments against the balance that was posted to the account which I believed had been paid off at XXXX XXXX XXXX and added onto the new Suntrust credit card account. 
Suntrust did NOT pay off the account with XXXX XXXX XXXX. I allowed some time, thinking there might be a slight delay to allow for mailing, handling and administration. When I got my new XXXX statement from XXXX XXXX XXXX showing that the account had still NOT been paid off by Suntrust I called Suntrust and went in to see the branch manager, XXXX XXXX again yesterday, XXXX XXXX. 
While she was helpful, she was not able to resolve this issue and declined to credit my new Suntrust credit card account for the amount that Suntrust applied to the account without paying off my XXXX XXXX XXXX balance. She tells me that they will have to research what happened and find out what happened to the check they say they issued to pay the balance at XXXX XXXX XXXX. In the meantime I now still have a balance at XXXX XXXX XXXX incurring interest and I have a balance at Suntrust that I DO NOT OWE them and that she tells me I need to continue to pay on. 
I am sure that Suntrust will attempt to resolve this issue but, at the moment, I am in a situation that is untenable and do not believe is my problem to resolve. I believe Suntrust should have immediately credited my Suntrust account while they do their research and figure out what happened. I certainly do not think I should have a balance due at Suntrust since they did not pay off my XXXX XXXX XXXX account. If they succeed in paying off my XXXX XXXX XXXX account in the future then they can charge my new Suntrust account at that time. 
I would appreciate any assistance you can provide in resolving this issue. I can be reached at XXXX. 
Thank you
not complaining about capital one. need individual attention. i have decided to get back and want returned XXXX from XXXX on my card ending in XXXX i have explained that this merchant was not at all customer friendly and since i disputed the first XXXX on XXXX i have had dealings not fruitful. my daiughter CRied every day at camp with no one telling me or telling me when i called to ask how she was. With the merchants attitude blaming me for my daughter not enjoying camp i seek the XXXX returned please this was NOT somthing i was aware of in terms of his attitude when i filed on XXXX for the dispute i am a good customer here. please help
In  XXXX  of   XXXX   I filed for a chapter  XXXX  bankruptcy which included Just Military Loans as a creditor. Just Military Loans continued to email me asking for payment and harassing me even with an automatic stay in place and after my attorney sent them the paperwork. Instead of updating the account with " included in bankrupty, closed, {$0.00} balance '', they sent the account to collections. The collections company  XXXX   XXXX   XXXX  has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted  XXXX  asking them to remove the account and they said they will not. My attorneys have contacted them showing the account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.
On XX/XX/2017 I received my mortgage statement in the mail. I looked at it and it had a next payment date of XX/XX/2017 and I thought that was odd. I turned it over and saw that flagstar had entered in 3 fee amounts of {$990.00} all on the date of XX/XX/2017. Then it showed 2 payments of {$1400.00} posted to my account on XXXX. I made a payment of {$1400.00} on XX/XX/2017. I have no idea what happened so I called Flagstar. I recording of my account information said I made a payment of {$15.00} on XX/XX/2017. I  waited and talked to a girl and she said I was not due for another payment till XXXX and I said something is wrong I did not make all these extra payments and she said do n't worry just pay when it says to. Flagstar has applied someone else 's payment to my account before so I 'm assuming that is what happened. The girl opened up a case and I asked that someone call me and today is XX/XX/2017 and no one has called me. My case # is XXXX. I have been also checking my credit bureau and the balance on that for the month of XXXX shows a balance of {$210000.00} but Flagstar is showing a balance of XXXX that is a difference of {$2200.00}. The Credit Bureaus receive the update from the company every month so something is wrong with that. I want Flagstar to fix what is wrong and correct it. I am still waiting to hear back about the other case I have with Flagstar # XXXX that involved my modification and not removing my ex-husband and not having him sign any of the paper work and making me the borrower but he is still on the modification as you can see with the attachments I am sending he is still the primary borrower.
Diversified Consultants have acquired a debt that belonged to a company, which I currently have XXXX lawsuits against, XXXX XXXX XXXX for a very similar matter. 

XXXX of the many problems that I have with the handling by Diversified is that they have re-reported a debt onto my XXXX Credit Report that XXXX XXXX XXXX has removed. Furthermore, I have been advised by counsel that Diversified has violated the TCPA, FDCPA, and the FCRA. 

Furthermore, Diversified Consultant contacted me for the first time by phone XXXX/XXXX/2015. I told the rep to kindly contact me by mail only as he was calling me at work. 

XXXX/XXXX/2015 Diversified Consultants called again, I kindly told them AGAIN to not contact me by phone because I was at work and to please correspond by mail only. When I asked the gentleman to please mail me, he said with an attitude " well do n't you want to know what this is about '' and continued ... until I cut him off and said once again please contact me by mail.
My monthly loan payment increased significantly, but I feel stuck at that payment level because I am trying to take advantage of the 10 year Public Service ( XXXX ) repayment plan. My interest rate is also stuck at a ridiculous rate of 6.8 %, and the amount I pay each month makes other bills difficult for me and my family. FedLoan arbitrarily decides for me that paying almost {$500.00} per month is doable. I am now going into more credit card debt because of these higher payments, and I was told that a {$450.00} rent increase would not factor into this payment increase whatsoever. This is unfair.
In numerous previous complaints from earlier this year, I asked that clean, corrected copies of my credit report from Experian be mailed to me. This is the only way for me to verify what the latest invented garbage is that they so habitually insert into my credit file. I challenged numerous items yet I have not received a corrected copy of my credit report. 

It is preposterous that consumers can receive only XXXX copy of their reports a year. This means that the largely illegal activity of Experian can not be detected, unless consumers are willing to pay this criminal agency to reveal only their latest activity which does nothing to curb their habitual and wanton violations of fair credit reporting laws. Consumers should be allowed to receive free copies of their credit reports at least XXXX a month, given the enormous amount of unverified information that appears in credit reports and Experian 's ready trafficking in it, by collecting fees from all kinds of bottom-feeding and any other agency it can get money from. 

( See numerous complaints against Experian from earlier this year, as well as last. )
on XX/XX/XXXX I used the XXXX app to pay a merchant of accounts for an online video game, I sent XXXX dollars. The merchant refused to send me the account that I paid for and started demanding more money. on XX/XX/XXXX I attempted to have a charge back done on my citibank card and was prompted to ask the company XXXX for a credit to my account. I received a reply from XXXX on the XXXX stating that there was absolutely nothing they could do and all transactions are permanent. My complaint is both with Citibank and XXXX. XXXX is allowing fraudulent users to break their own terms of service as I was told on the XXXX that XXXX does not support merchant services on their app. Citibank will not authorize a charge back of these payments as a result of XXXX unwillingness to comply.
Good Day, I got an email on XX/XX/2018 from XXXX : Dear XXXX, As a benefit of your XXXX XXXX membership, this is a notification that there have been no reported changes in your credit file ( s ) during the last 30 days. To view a complete history of your credit alerts, log in to your account now. 

This is a FREE benefit of your XXXX XXXX membership. We will continue to monitor your credit file daily and ensure that you'll always have an up-to-date snapshot view of your credit. 

Your credit score is refreshed monthly. Make sure you go to the XXXX XXXX every month to check your score and score history. Log in to your account now. 

Thank you for choosing XXXX XXXX. 

Sincerely, TransUnion I created an account after entering personal information, including a credit card number. Credit scores then appeared, along with other information about my credit. On closer examination, I discovered I had been signed up for credit monitoring, for {$19.00} /month, and that the first month had already been billed to my credit card. There was no indication that I would be charged for this service. I called XXXX, and at first, they claimed not to be able to hear me. I finally spoke to XXXX, who, at first, claimed that the first months ' charge could not be refunded. After much negotiation, she promised that the first months ' charge would be refunded, confirmation # XXXX. 

Please encourage TransUnion to make it clear that the service offered by the email costs $ XXXX/month. Please ensure that all charges associated with this matter are refunded to my credit card.
Previously deleted inquiries were added back without notifying me in writing, that is against the law per FCRA SECTION 611. Please remove all inquiries.
Midwest Recovery Systems recently added themselves to my credit report as a collection agency. No info was added about the original debtor. After several attempts to contact the company, I finally spoke with XXXX XXXX whom advised he is a manager. He informed me that the debt is for a payday loan from 2012, which was received from a company named XXXX XXXX. He then advised that the debt was bought by his client, being XXXX XXXX XXXX XXXX. I worked with Maryland 's Dept of Labor, Licensing, and Regulation, whom informed me that payday loans are illegal in MD. They also instructed me not to pay the loan and informed me that they would be seeking legal recourse against the many lenders that are illegally lending to MD residents. I thought this nightmare was over, but now this company is hurting my ability to purchase a home and move forward with other plans for my family as this blemish is bringing my credit score down. I am requesting assistance in removing this issue and learning how to make sure this issue does n't happen again, in the future.
In   XX/XX/XXXX  I re viewed my credit report and a  XXXX  account that I did not recognize was reporting on my credit report as a charge off with a   XXXX   XXXX    balan ce. I was informed that I could get a loan with this unpaid charge off on my credit report. I challenged the account with the credit bureaus and   XXXX   and Experian verified the account.  XXXX  stopped reporting the account.   XXXX   and Experian referred me to  XXXX . On   XX/XX/XXXX  I wro te my first letter to  XXXX  asking for validation of the debt with information on the origins of the account, date opened, date of first deliquency, what was purchased and proof that I opened the account. I was concerned that my identity might have been compromised. I received a generic letter back from  XXXX  in essence stating that the account was charged off and that the balance is {$24000.00}. No information that ensured me that I opened this account or that it belongs to me. I would think that I would remember charging up {$24000.00}. For the record, I do not believe I did.     I have s ent two other letters, ( one  on   XX/XX/XXXX  and the other on  XX/XX/XXXX  ) sta ting that I believe that the  XXXX  account was opened without my knowledge or consent.  XXXX  has not responded to either letters.   XXXX   and Experian continue to report the account as a open charge off with balance from  XXXX .     It has now been 8 months and I wrote  XXXX  a letter on   XX/XX/XXXX  to cease  all reporting of this account for failure to send me needed documents to show how I have a financial obligation the  XXXX   Credit Cards. Si nce this is now my  4th le tter, I can not waste anymore time. I have given them 10 days from receipt to either to remove the reporting or send all paperwork that illustrates that this account is mine. I feel that  XXXX  is breaking the law by not sending me required information so that I can make an educated decision on what to do next. I feel  XXXX  is being punitive by not resolving the issue and that it is my understanding that they can not ignore my request to validate the debt or conduct an in-depth investigation if I feel I did not ope the account.     According to t he C.F.P.B., wh at are my rights as a consumer? I thought the burden of proof was on the furnisher on the data reported to the credit bureaus. Why is  XXXX  exempt in sending requested data to the consumer? I appreciate your efforts in helping me in this matter.
I disputed a collection account with Transunion, the account is from XXXX, XXXX, XXXX XXXX XXXX XXXX. Transunion verified the information, but has failed to respond to my request for their method of verification as the information is not correct. In addition, the account is being reported as open with a balance, but the attached screenshot shows it was closed in XXXX 2013. In addition, it states the original creditor is " XXXX XXXX XXXX XXXX '', but I contacted them and they said I do n't have a balance with them. I do n't see how they could have verified this information was correct.
There is a collection from a company called Professional Debt on my credit report that is trying to collect {$5300.00} for an apt XXXX XXXX XXXX XXXX. I have repeatedly requested proof from the collection agency and they have not been able to provide nay. I asked the bureaus for verification of the debt and only come back with its 'verified '. I went as far as to go directly to XXXX XXXX XXXX asking for my files or some kind of itemized list for these charges. They too were unable to provide me with any information. I did not break the lease, I did not leave the apartment damaged or dirty, I even think I got my deposit back.
I was trying to purchase a XXXX XXXX cleaner, we did the paper work to run my credit on Thursday XX/XX/XXXX, and i was under the impression they had only one finance company. They have since ran my credit three times without my knowledge, and dropped my credit score drastically. I cancelled the purchase Tuesday XX/XX/XXXX. I don't know if its legal or illegal, but they did it without contacting me on the other inquiries.
I ask you to do an investigation to the Experian credit company, I have been disputing the erroneous information that they are publicly exposing in a credit report for more than a year, and previously you asked them to demonstrate the reason for this information and they have not presented any legal document that supports this erroneous information. 

I have not authorized this company to disseminate, expose, publish or give my information to anyone, there is no legal document that I have signed between them and myself, so I do not see why they can disseminate my personal wrong information where my record, reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal, so I demand that this dispute for account information from XXXX " XXXX '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. 

Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. Have an information inaccurate or incomplete items in a credit history have serious consequences. 
I am presented for more than a year the original documents of the company involved in the problem where it says explicitly that I have no debts and that my account was paid in full, and that I have no debt.
I have been working on this short sale for awhile now. I had XXXX approval letters on hand XXXX for XXXX and XXXX for XXXX. The reason for lower offers is this house has a lot of repairs. Also, the furnace is not working. When the loan was transferred from nationstar to rushmore they said we would be able to pick up where we left off but they ordered a new BPO and the value came back at XXXX. It is hard for me to believe that in 3 months the property value can go up XXXX. There are houses listed for this amount in the neighborhood but they are regular deals and in prestige brand new conditions. Why is someone going to offer XXXX on a house with a bunch of repairs and that you wo n't even have heat in the winter when you can offer it on a brand new home. 


The appraiser did not know how to read instructions and he got mad that he went to the property and could n't open the lock box. I think he got mad at the realtor and took this appraisal personal by jacking up the price. I work in real estate and never in my life have a seen market value jump up XXXX. There was XXXX BPO done by the previous lender and both came in at XXXX and XXXX range. My client is being treated unfairly in this situation and being denied the chance of getting a short sale.
This is my Fourth attempt to receive from you the requested original signed agreement of a disputed 8-year old account [ XXXX XXXX ], letter dated XX/XX/2018. It is my understanding that I have a right to see the original signed documents of this accountnot statements, letters from the creditor or any other document that is not the signed agreement between me and the creditor ; only that document can prove fraud or ownership. 
In addition, I have repeatedly asked for this information to be mailed to my correct address as stated above. I have yet to receive any of what I have asked for, in previous communications I have proven my New York address of nearly 20 years. 
Based on several credit-pulls across all the bureaus, at least two creditorsit appears XXXX is oneis updating their accounts to mirror present day profiles in an effort to legitimize their claims, the second creditor has already been removed. The type of credit cards that are said to be mine are cards that earn frequent flyer miles and/or cash back. The very first card like those I applied for, received, and owned is my XXXX XXXX card 2-years ago. Any creditor claiming that I owned any such card more than two years ago and is NOT XXXX ; is creating and/or updating accounts to reflect my very recent credit profile. Creditors engaged in this type of behavior convey the fact that they did not meet the legal requirements for verification. 
As this is my fourth attempt I will be submitting another grievance to the Bureau of Consumer Financial Protection/ FTC-FCRA, to lay the groundwork for later legal actionif necessary. All I want is the original signed agreementthe signature, handwriting, and information entered can easily prove fraud or ownership. 
My next step will have to be to seek legal representation on this matter. Please attain the requested documents or remove this account and send an updated copy of my credit report and all responses to my request to the above addressthe only accurate address, thank you.
I disputed the reporting of XXXX XXXX XXXX reporting a $ 16000+ outstanding balance. This account was included in bankruptcy and NOT reaffirmed. I submitted a copy of the US Bankruptcy Court 's denial of reaffirmation multiple times to XXXX, Equifax, XXXX and XXXX XXXX XXXX and it was not corrected. In fact, they started reporting past due payments which caused my credit score to plunge and hindered my ability to find housing.