WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX, I was made aware of a {$65.00} charge off that was reporting on my credit report by a " SW Credit Systems. '' I 've never had so much as a late payment on my credit report..ever. It was in the XXXX, and after this report it has dropped nearly XXXX points. So I contact this SW Credit at XXXX and spoke with an XXXX XXXX there. It took them forever to find my account, and stated it was a {$65.00} bill from XXXX XXXX?? I have n't had XXXX in about 2 years so I was very confused. I asked when they tried to contact me and I would 've paid them whatever they wanted before they reported it as a charge off and come to find out they sent one letter ( to an address I have n't lived at in years ) in XXXX. I asked if that was it and she said yes. 1 letter..over the course of 8 MONTHS. I asked her if she thought this was an appropriate amount of collections before sending it to charge off. She avoided answering the question and just read off a script, because anyone who is sane would know they answer is a most certain " No. '' I asked if we could come to some agreement where I would pay this mysterious {$65.00} bill and they would just remove this from my credit bureau. XXXX was emphatic that they have a no deletion policy. I then called XXXX at XXXX ( Collection Department ), where I came in contact with literally the rudest person I have ever dealt with in a business setting. She started yelling at me when I tried to get information on this alleged account I had, saying that I should n't have called there and I needed to speak directly with this Collection Agency that they sold my " debt '' to. She was trying to rush me off the phone from the 1st sentence. I asked if she could possibly assist me with this random 3rd party, possibly fax something to them. When I asked this, she literally yelled into the phone " WE ARE N'T GOING TO FAX ANYTHING TO ANYONE TO GET IF OFF YOUR CREDIT '' and actually hung up on me! I always remembered XXXX being very nice back when I had it, so I was astonished to come across someone so terribly rude. I 'm just so confused at this entire situation, I have a random 3rd party collection agency that has awful reviews reporting a {$65.00} charge off that I 've never been aware off but they claim that they sent ONE letter 8 months ago. When I try and contact the base company that my supposed " debt '' is with, I 'm met with rudeness beyond words. I ca n't believe I have been dealing with all of this, over a simple {$65.00}.
I had leased a XX/XX/XXXXHonda Odyssey of which I was involved in a motor vehicle accident 1 year later that rendered the vehicle a total loss. The insurance company paid {$24000.00} of the {$26000.00} owed and after some payments I made, there was a balance inXX/XX/XXXX of {$1100.00}. Payment was requested in 30 days. As of XX/XX/XXXX, I reduced the balance to {$930.00}. The payments were accepted without any rejection or return of payment. Prior to the accident, I was never late nor missed any payments on the lease. <P/>Without any warning, Honda Financial Services sent me two letters dated XX/XX/XXXX and XX/XX/XXXX. I did not receive them until XX/XX/XXXX. The first letter said my debt was charged off for failing to fulfill my " contractual obligation '' and was being sent to collections. No explanation was provided for what this meant. The second letter, dated XX/XX/XXXX, said I had 15 days to pay the debt. Relying on the second letter, I paid it in full on XX/XX/XXXX and called Honda Financial Services on XX/XX/XXXX to have them remove the charge off from my credit reports. The representative was rude from the start saying they called and told me I had to pay it in full. I never received a call or letter prior to XX/XX/XXXX saying if I did not pay the balance by XX/XX/XXXX I was going into collections. He said they spoke to my wife, but she was never told that if full payment was n't made by XX/XX/XXXX, the debt was being charged off and going into collections. When I tried to explain the reasons for the delay and that I paid it off once I had the ability to do so ( which was also within the 15 days demanded in Honda Financial 's letter ) the representative 's response was " not my problem ''. He refused to remove the charge off and said I could not speak with a supervisor. The representative also denied having any information of Honda Finance sending me the XX/XX/XXXX letter that gave me 15 days to pay off the balance. I faxed it over to him but of course got no response. <P/>Based on their fraudulent and misleading representations my credit score was lowered 90 points. I was never advised that if I did not pay off the entire balance in 30 days that my account would be charged off or sent to collections. I never receive a final letter until after the debt was already charged off. I also paid off the balance within the time specified in Honda Financial 's letter and its response to me was essentially " we do n't care '' and " not my problem ''.
I went through the loan modification process with Flagstar bank and my modification was approved with my new mortgage amount. My agreement from Flagstar bank and signed by XXXX XXXX on XXXX XXXX, 2016 as a true and certified copy. Since my new agreement, I have been making my payments on-time and I still receive collection calls from the Flagstar XXXX XXXX at XXXX, today I have receive a call from XXXX. I have informed Flagstar 's employees XXXX that I have a new agreement in place, have made my payments and request the calls to cease but they have failed to do so. I have repeated ask if they kept notes in their system on the previous calls since it is " recorded for quality assurance '' and it is apparent to me that XXXX do not keep a log of the calls that they have made to me since I had my XXXX Modification Agreement XXXX signed and approved. This action by Flagstar is gross harassment when they call my cell and home phone. If I have any legal standing to take action against Flagstar and XXXX please advise me. Attached is the XXXX to support my position.
My correct address is XXXX. XXXX XXXX, XXXX, WI XXXX. The incorrect address on my credit report that should be removed is XXXX. XXXX XXXX, XXXX, WI XXXX.
paypal has frozen my account, locked my funds without notice and when asked why they said my busniess was growing too much. The number of disputes with our customers was always the same ratio as the amount of items we were selling since we started. we have always provided the goods and services to our customers with updated tracking info on every single purchase. we are highly experienced with our business as we have been selling goods with paypal since XX/XX/XXXX however paypal calls us a high risk. In addition paypal allowed us to open an additional account for the convenience of our business the XXXX was in XX/XX/XXXX the XXXX in XX/XX/XXXX paypal always knew we had a XXXX account and they were linked together. XX/XX/XXXX paypal placed a reserve on our account because we received a higher number than usual of unauthorized chargebacks. Paypal accuses us of circumvent their reserves and violating their policies in section XXXX of their user agreement even though we opened the XXXX account over a year before any reserves were placed. cleary we did not open this XXXX account to circumvent.
I was XXXX  for XXXX years. I was released XX/XX/XXXX from XXXX XXXXXXXX XXXX. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. 

1 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Date OpenedXXXX Amount {$900.00} Remarks-Charged off as bad debt. Account closed by consumer. 

2 ). XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL. XXXX Date Opened- XX/XX/XXXX Amount {$0.00} Remarks-Charged off as bad debt. Purchased by another lender. 

3 ). XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened-XXXX Amount- {$1000.00} Remarks- Placed For collections 4 ). XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC. XXXX Date Opened- XX/XX/XXXX Amount {$180.00} Remarks- Placed for collections 5 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened- XX/XX/XXXX Amount {$8000.00} 6 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX. XXXX Date Opened- XX/XX/XXXX Amount {$97.00}
To Whom It May Concern : This letter is in response to your recent claim that Navient, has verified that the account they are reporting under my name is accurate. your INCORRECT reporting is reporting me LATE ON MANY MONTHS WHILE I WAS IN DEFERMENT AND WAS GOING THROUGH ECONOMIC HARDSHIPS. THE INCORRECT LATE REPORTING ARE AS FOLLOW : 90 DAYS LATE ON XXXX ; 120 DAYS LATE ON XXXX : 150 DAYS LATE ON XXXX : Be advised that the incorrect reporting is detrimental to my credit and is causing substantial harm to my credit reports and it 's holding me back from owning our home one day. Please remove this incorrect reporting from my credit reports and mark as current with the credit bureaus. 
the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete and represent a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney General 's office, should you continue in your noncompliance. 
I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Attorney General 's Office Cc : Better Business Bureau
On XX/XX/2017, I received a collection call from a collection agency named XXXX and XXXX ( XXXX ) XXXX. The debt collector stated that he was attempting to collect a debt on an old credit card with HSBC that was about 7-8 years old. I do not recall having a credit card with this company but I if the debt was incurred, the residency of my state ( NJ ) has a statue of limitations on collecting credit card debt for only 6 years. This would make the collection attempt illegal and in violation of fair credit collection practices.
Coast Professional, XXXX, LA contacted me by mail. Late XXXX, 2017. They back-dated the letter, and every one since. I have seen/heard nothing about this in 12 yrs. Now - big hurry, garnishment & more threatened ( in cloaked language ) and they are railroading me. Blizzard of mail. From FSA too ; a gov't agency!
Now : they failed to send a LEGIBLE copy of the Note. They both mis-represented, grossly, my right to dispute ; and seem not to want to allow me to do so. Coast & FSA too omits to tell me of options that I may/do have - and send me the wrong dispute form. They ignore my questions ( few & germane ). Wo n't give me time to dispute, in essence. Treading on my rights. They under-credited me for payments made ( I have documentation ). They allege an inflated total, therefore. They both say they can get a 20 % commission, by law, to collect. In fact the maximum is 18 % - yet they state I " will be required to pay 20 % '' to them. Over {$5000.00} - motivation for them to press me hard and in short time frame. My supporting documents are ( 1 ) I ca n't transmit them online from this terminal I have no USB camera/phone ( 2 ) some are in storage 300 miles away ( 3 ) my letters in response to theirs - same as ( 1 ) above. Snail mail seems to be my only choice, so far. Any suggestions? XXXX go ahead & email me. Nothing to hide here.
I recent disputed inquries on my credit report to XXXX due to some fraudulent activities. Companies such as : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Every time I pay my Macy 's bill in full, the following month I receive a {$2.00} interest charge, although I have had no balance, This has happened now four times. They will generally remove the charge, but sometimes are quite resistant. If this is happening to me, it is most likely happening to many others. If Macy 's does this to everyone, they are receiving millions of unwarranted dollars and in my opinion that is fraudulent.
I am concerned about the validity and accuracy of the credit report which I acquired online ..They are just simply amazing! They put stuff on my credit report without even warning me about it. I am a victim of identity theft and the account is not my responsibility.. 
XXXX XXXX XXXX
Credit scores are based on Credit history and payment pattern. These scores are used to assist lender in determining whether XXXX will obtain a loan and/or what interest rates may be offered on mortgage or even a credit card. 
During a recent research into my credit files, it had been revealed that the credit bureaus reported a 100 % payment history, excellent rating on number of accounts, good rating on age of accounts, just to name a few categories. 
Scores are based on the information contained in your credit report, confirming that the credit information on your report is accurate will ensure that the score is correct regardless of the model used. This I understand XXXX credit reporting agency stated that they are unable to accept a dispute regarding your credit score and can not advise you on how to improve your score and that the Adverse Key Factors will not be deleted from your credit report. This is inaccurate data and should be removed. I am disputing you reporting adverse key factors. I find your actions not to remove these adverse key factors totally absurd and totally inaccurate. 
Credit Bureaus appear to categorize accounts under specific Key Factors, derived from information reported by the credit bureaus. Customer being unable to determine what accounts are categorized under a particular key factor, has no chose but to dispute the reported key factor. For example which accounts are delinquent? If you find no delinquent accounts, then this key factor should not be reported to creditors nor should it be reflected on ones ' credit file. Research has revealed that the credit bureaus did not provide any data to support these adverse key factors or list accounts that have been labeled as an adverse key factor. 
Attached are letters and disclosures which state the identical adverse key factors that had been reported back in 2012. No changes in verbage. Looks like these adverse key factors may have been copied and pasted. 
Credit Bureaus stated that the customer must confirm that the credit information on your report is accurate regardless of the model used. These Adverse Key Factors not being deleted from credit reports are contradictory, because these comments are totally inaccurate.
On XX/XX/XXXX, I received an Overdraft fee on my account. I was told even though two checkcard transactions were not posted to the account and were still pending, I got an OD for a XXXX transaction that occurred on the XX/XX/XXXX which left my account negative - {$1.00}. The fee was {$35.00} I called to see about getting the fee reversed Spoke to XXXX at approximately XXXX XX/XX/XXXX. Bank of America. representative refused to assist stating that BOFA does not do courtesy refunds, and this is not a bank error. However I believe it is a bank error. A deposit was scheduled to go into the account on XX/XX/XXXX however it did not show up until the morning of XX/XX/XXXX ( Convenient for the bank ). There was also two other deposits done through the mobile app, that were showing a posting date of XX/XX/XXXX. Because of the delay of the deposits, and also the bank allowing checkcard transactions to go through ( when I specifically did not ask for Overdraft Coverage ) I was charged an Overdraft. I told the representative this was a violation of the Dodd-Frank act which is supposed to protect consumers in situations like these and not allow checkcard transactions to go through, so that banks could charge fees. She disagreed, stating that it was the paypal transaction that was done on the XX/XX/XXXXthat I was charged a fee for, even though the amount was only {$1.00} in the negative and there was 3 deposits pending. If this is not abusive and predatory, I don't know what is! She told me if it was XXXX XXXX, then I would have still gotten a fee. After waiting a very long hold time, I finally spoke to a supervisor, named XXXX. He expressed he did not think the fee was predatory but just an oversight on my part and recommended that I keep a ledger to keep track of my transactions better. 

It may not seem like a lot of money, but the reason for my complaint is, if this could happen to me for one small fee and overdrafting my account for only {$1.00}, I can only imagine how many other people are being treated unfairly. This is the first time I have ever asked for a courtesy reversal, and also the first time I can recall ever having an overdraft. 

The representative was rude and cut me off several times mid sentence not allowing me to finish my sentence, and i was put on hold so I could register a complaint, and then put on hold again after asking to speak to a supervisor. The call in total lasted 1 hour and 18 mins, most of that time on hold waiting to speak to someone. Besides the poor customer service, this is completely unacceptable and in my perspective a violation of the Dodd-Frank Act.
Threatened me first about IRS and now with criminal charges. The company is Delta Group at Least thats whats on my caller id the number is XXXX
To whom it may concern : Americollect has been a long term collection agency that holds several medical negative accounts on my credit report. They have issued a judgement that had been documented with the clerk of courts, however they wish to garnish my wages from a company entity that I do not work for. In addition, I have attempted to pay my lowest amount by providing payment as well as filing number. I wish to see confirmed invoices and amounts due to the original creditor ( XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, and XXXX   XXXX  XXXX XXXX ) being under investigation for inaccurate billing procedures and duplicate invoices. If americollect purchased said invocies from these original creditors I wish to have all unpaid or delinqant accounts formally verified and documented via written disclosure in case of further dispute efforts. I will copy this complaint and mail to americollect for communication purposes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX XXXX XXXX XXXX
XXXXXXXX XXXX  sent out money from my account,. un athorised. - not with my consent., over drafted my account and sent it to collection to the Best Service Co.
this is a followup to case # XXXX. When they found out I complained to you, they had a lawyer send me a letter about this complaint. Apparently I am being sued for filing a complaint with you. It didnt say in the letter any legal action was pending but why else would they hire a {$250.00} an hr lawyer to write me a refutation of my complaint.
I'm XXXX with health issues and I was leaving alone in a rented apartment. All of my children live in Georgia and only way to get help was to move there. I went and spoke to the property manager and explained my situation after reading my lease it say that I could be let out of the lease for health problems. He signed off and said that I could leave owing a zero balance then months later I try to rent a place in Georgia and they denied because this apartment complex had put XXXX on my credit saying that I owe them for leaving put that is not true. I've tried to speak to someone there but since I left they have had several new property managers and they all say that they can't help me. I want this removed from my credit asap. I didn't break my lease, I was let out of my lease
Hello, This is my third time faxing in a third party authorization.  One  was sent  XXXX , another  XXXX  and now  XXXX  I am attaching it on here too. I have done short sales with firth third bank in the past and they do not stop foreclosure until there is an approval. I can not be having these deals especially when the foreclosure is in  XXXX . Please help.
According to Capital One they said that I have a cease and desist attached to my account ending in XXXX for a balance of XXXX I do not know who put the cease and desist attached to my account but I did not so to me this is fraud tampering with my account I called them to try to settle this account but they said they couldn't talk to me unless I removed the cease and desist off my account and in order to do that they would need to contact me through mail and phone I told them they can contact me through mail but not by phone and they said they couldnt help me unless i give them permission to contact me by phone and mail. I refused but they insisted so I hung up
There is an account which I have disputed and it is unknown to me and appears to be very old. I have tried to get this removed off of my credit file with no luck or validation provided. Please help
American Express Serv mobile app has been down for days. I can not access my balance, transfer funds or make purchases. They are holding my monies hostage. 

The date the issues started was XX/XX/2018
I applied for a credit card account with Capital One but I was denied stating they could not verify my identity. Capital One never tried to contact me at all. I never received am email or letter in the mail, let alone phone call. XXXX, XXXX  and XXXX have all updated my telephone number associated with my fraud alert. 

XXXX stated : " We reviewed your complaint along with the information regarding this issue. Based on the complaint we contacted you directly, per our conversation, we have updated the phone number, XXXX, on your initial fraud alert. In order to protect your privacy, we have mailed a copy of your XXXX credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX   XXXX XXXX ET. Please visit XXXX XXXX XXXX for frequently asked questions about your credit report.