WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Macy 's card funded through Citibank. I travel a lot for my job and on a few occasions I have missed a payment on the card which incurred a late fee. In an effort to avoid that, I set up the payment to be taken automatically from my checking account on the XX/XX/XXXX of every month, the due date of the card. Recently, I noticed that the balance on the card was not going down and after carefully inspecting one of the statements, I determined that I was being charged a late fee. I called the company and they put me onto the Credit Department, who advised me that my due date was changed to the XX/XX/XXXX of the month and that an advisory was sent via e-mail. In addition, it was determined that I have been charged a late fee since XXXX 2015. I received no such advisory regarding a change in due date and I would like all late charges refunded to my account including all associated finance charges from that period. This is more than {$1000.00}.
I have called three times nothing been done but let it sit on my credit its only hard inquiry and soft that I didnt authorize. Great American finance XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX/XXXX  XX/XX/2017
I received a voicemail from a lady in reference to a legal matter for someone that is not me. She left a voicemail about a process server and a number to the client she was calling for stating they were trying to serve this person whom does not and has never resided with me. I called the client Coastline and Associates known as C & A number and spoke with someone and he became very irate when I asked him to remove my number from their call list stating they were trying to reach this person and it was not me. I explained I am not that person and he continued to ask if I knew her and I told him it did n't matter if I did or did n't and not to call my home. They skip traced and located my number as someone who is somehow connected to this individual. According to FDCPA they are not to contact others but once about trying to locate an individual. When I asked them to not call my home or contact me he became irate stating they should not have given my number out. I know they had no way of giving my number because they do not have my number. My number is a new number. This man harassed me and badgered me even cursed me so I cursed back. I do not appreciate being called about anyone debt and would like this company to cease all calls to me in relation to anyone I may or may not know or be related to. I researched and found they are scamming on old accounts that are all over 12 years old. It is in most cases it is past the statue of limitations to contact someone about a bill that has fallen off their credit for over 7 years or that was discharged in a bankruptcy case. If I continue to receive calls I will file a lawsuit against them. I will also contact the attorney general office on this company. I am not the person they are looking for therefore I should not be harassed or called. And frankly if they are contacting a person for a debt well over the statue of limitations they should cease and desist all contact with them as well.
I spoke with XXXX XXXX when the account was originally delinquent, then closed over 7 or 8 years ago I believe. The reason that I am not sure of the date is because I thought it was resolved until another collection company popped up, then another, and another, then the account was somehow reopened. I paid them and had closed out the account so I was confused by this. Now they have another collection agency saying it open and under 2 years old which is absurd and ruining my credit on equifax, which always has a problem with their website when I try to dispute, I requested forms which I never got, none of the other agencies report this. It is killing my credit.
Dear sirs, I purchased my vehicle from Carvana around XXXX/XXXX/XXXX, Ive not received my tags and registration to the vehicle by XXXX/XXXX/XXXX and contacted the office being my temporary tags were due to expire XXXX/XXXX/XXXX. 
The rep advised I should be receiving my tags by mail any day. By the time XXXX/XXXX/XXXX came, my temp tags are expired. I contacted carvana again and was advised by rep XXXX they should have come XXXX XXXXnd the rep will follow up with the department that handles the tags and contact me back. 
I received a voicemail on XXXX/XXXX/XXXX stating my tags were mailed out on XXXX/XXXX/XXXX and I should have received them by now., if not Im to file a police report and contact local DMV for replacement. 
I contacted the office back and talk to XXXX the operations XXXX, she informed they were indeed mailed out on XXXX/XXXX/XXXX, NOT XXXX and the next steps was to file a police report for lost or stolen tags, and contact XXXX, however, I have called numerous occasion, even prior to my temporary tags being expired and was NEVER informed this needed to take place, I was also informed they should be recieved by XXXX by another rep now Im being told something conflicting by the XXXX. 
I work 10/11 hour days and dont have the time to go to multiple entities to obtain my tags to a vehicle when Im under the impression the Car Dealership has processed. This experience has been extremely frustrating, not to mention I 'm at risk of receiving a ticket based on my expired tags. I have not come to any resolution with Carvana, I do n't even know if they processed the tags and registration.
I have lodged disputes with XXXX and Capital One with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the timeframes listed I also asked for assistance from each of the credit bureaus.
XX/XX/XXXX I attempted to do a loan mod with Wells Fargo. At the time I could not afford the monthly payments but I was current. Wells Fargo would not return my calls so, at the advice from my attorney, I stopped making payments. They now returned my calls. During that time I filed Chapter XXXX bankruptcy and had my XXXX home loans discharged. I went through the loan mod trial payments process successfully but Wells Fargo rejected my loan mod saying the XXXX lender would not subordinate ( this took 2-1/2 years XXXX. I hired an attorney to try a second time to get the loan mod and, after a year and more trial payments, Wells Fargo provided a loan mod document subject to the XXXX lender subordinating. That lender still would n't subordinate but would agree to a payoff. I received the agreement from the XXXX lender, faxed it to Wells Fargo with the knowledge the lien would be removed within 3 days of receiving my payment. Wells rescinded the loan mod saying I took too long. Wells gave me 20 days to solve the problem but it took me about 45 days. I was at the mercy of the XXXX lender 's time table. I met Wells Fargo 's loan mod criteria ( trial payments - twice ), I have the ability to make the payments, I can satisfy Well 's requirement to remove the XXXX lien but they are insisting on foreclosing. In addition, I can qualify for a new loan ( refi ) but under bankruptcy rules I can not obtain a loan until a waiting period which expires XX/XX/XXXX. How do I save my home?
This account was paid in full at the closing of the sale of my home in XXXX 2016. The proceeds were deducted from the sale and delivered to Capital One Bank via the title company attorney that closed the sale. Please review the attached HUD at the foot of page ( XXXX ) were it is stated that a total of {$4900.00} was withheld and further communications with my attorney confirms that the funds were sent and my account balance is now XXXX but this account is still showing as a judgment on my credit files.
I have a credit inquiry on my Equifax report that is from XXXX - XXXX it 's dated from the day someone tried ( without success ) to steal my debit information. XXXX/XXXX/2016. I ca n't find any company with this title. I also am marked as having a credit history for only 4 years but I am XXXX and have a credit history for 40 years!!! What can I do?
XXXX XXXX keeps telling me that they contacted XXXX XXXX XXXX XXXX to remove the information since XXXX of 2017 I have call them month after month and XXXX and Equifax have yet to remove the wrong information and when I got the letter from XXXX XXXX XXXX I disputed the letter within the 30 days by law.
After calling XXXX, Transunion, and XXXX on many different occasions to resolve my childsupport being reported as owed and it is not owed they are still violationing my rights per the FCRA by reporting the false information. They are also hurting my chances of obtaining any credit by falsely reporting incorrect information. I sent faxed Transunion and equifax the letter my case worker sent me stating that I do not owe anything and I also uploaded it to XXXX but once calling XXXX  they said they didnt receive it. Transunion and XXXX are saying they cant delete it with the letter which is proof that I do not owe anything in childsupport. I have paid on time for several months and I became current in XXXX of 2017. XXXX  told me to get in touch with my case worker again to see if she did her part. She insured me that she has done everything she needed to do and its the credit bureaus that havent done their part. By reporting this childsupport not only are they violating the FCRA rules and regulations but they are also hurting my character. I have tried calling and calling the credit bureaus to resolve this promblem on numerous of occasions and they have yet to comply with the FCRA rules. The credit bureaus can not continue to report inaccurate information on my credit file. The law is very clear as to the civil liability and the remedy available to me, FCRA 616 & 617.
I C Systems have been reporting an erroneous Collection account under my XXXX credit file for sometime. 

I sent them 2 letters via U.S. Mail and both letters have gone unanswered. I mailed the letter to them to their offices in XXXX XXXX, Minnesota as per their website. ( ICSystem.com ). 

They are willfully in violation of the Fair Debt Collection Practices Act ( FDCPA ) and also the Texas Fair Debt Collection Practices Act ( State XXXX XXXX ). 

They have failed to provide verification of this alleged debt. The FDCPA states " If a consumer sends a written dispute or request for verification within 30 days of receiving the 1692g notice, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Such asserted disputes must also be reported by the creditor to any credit bureau that reports the debt. Verification should include at a minimum the amount owed and the name and address of the original creditor ''. They have failed and I have given them now over 60 days. 


As of today, I have formally sent a complaint to the Federal Trade Commission, the Texas Attorney General 's Office and also have made contact with a Law Firm to see what my options are. 

I will be suing for willful violation of all Acts and also sue for financial harm since I have been turned down for credit after applying for credit and having this frivolous trade-in on my credit report. 

They have until the close of business of XX/XX/2018 or I will file a personal lawsuit against IC Systems or have my outside counsel file a lawsuit. 

Thanks, XXXX XXXX XXXX, XXXX.
closed my High Yield Savings account with SYNCHRONY BANK on XXXX XXXX, XXXX as of today, XXXX XXXX, I have not received my money. Called the bank several times and apparently the check was sent out on XXXX XXXX. I received a confirmation letter stating the account closed.
I am a Wells Fargo customer, and have been for about 9 years. Wells has been charging me excessive overdraft fees for years. They will hold my and my wife 's direct deposit and run debts through first, so they can charge me fees. They say that this is their policy.They will also manipulate debt card transactions so that those will go through first, then they will process a electronic draft, like a car payment, that is pending, to bring my account balance down. They will also post a draft as pending then take it completely off, then they will bring it back showing pending a day later. So that they can charge more fees.
Experian is refusing to remove outdated creditors on my credit report. The following creditors have been reporting minimal 9 years and some more than eleven years which according to FCRA if the creditors have not been deleted I am within my rights to request for them to be deleted from my credit reports. Upon reviewing my credit report ( report number XXXX ), I discovered obsolete accounts. Please delete this accounts immediately as they are too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. It is also against the FCRA to re-age accounts and they seem to be doing this as well. 
Account names : XXXX, XXXX, Date opened XX/XX/XXXX XXXX, XXXX, Date opened XX/XX/XXXX XXXX,XXXX, Date opened XX/XX/XXXX duplicate account XXXX, XXXX, Date opened XX/XX/XXXX XXXX , XXXX, Date opened XX/XX/XXXX Transferred, closed. 
XXXX, XXXX, Date opened XX/XX/XXXX Transferred, closed XXXX, XXXX, Date opened XX/XX/XXXX Then Experian is reporting names that are not mine : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX,XXXX XXXX , XXXX They have this XXXX as my address, I have never had a XXXX : XXXX FL XXXX
I pulled up my credit report in the end of XX/XX/XXXX. I noticed with the credit bureau, XXXX, there has been some hard inquires by the creditor CBNA. I have not applied for any credit cards or anything from CBNA for the dates of the inquiries. The inquiry dates are XX/XX/XXXX and XX/XX/XXXX. I contacted CBNA ( Citi Bank ) and spoke with a representative on XX/XX/XXXX about doing a credit reporting dispute. The representative seem to have doubts in what answer to provide me for a solution. He then proceeded and advise I fax a letter to a fax number that was provided. I, the consumer, had to initiated and ask what information do I need to provide in this letter to fax. Due to my lack of confidence with the representative and felt there was no resolution I am filing a complaint.
A person named XXXX XXXX contacted me ( on XX/XX/XXXX ) referencing old contact information and the last 4 digits of my SSN claiming I owed a balance on a debt with XXXX XXXX that I settled over 7 years ago with a 3rd party collector ( XXXX XXXX ).  He said that although I paid a settlement amount, I still owed a balance ( an amount which couldn't be correct as I settled the debt ) and that the last payment I made was in XXXX which is also not true. I didn't make payments. I settled the debt in one sum in XX/XX/XXXX and I have bank records showing I made my settlement payment. This debt does not show on my credit but he threatened that he'd report it unless I paid him this alleged balance. He also fished for my current contact information, which I did not give as I did not want to invite further contact. I told him repeatedly that what he is claiming was not correct and that I'd paid the debt. Someone called again today from the same area code/prefix and this time the caller ID identified the business as XXXX XXXX XXXX ( XX/XX/XXXX ). They left a voicemail referencing a problem with my account and to call them immediately. I did not return their call. I researched XXXX XXXX and can see that XXXX XXXX works for them. Neither voicemail nor conversation provided any disclaimers identifying who they were or why they were entitled to collect on this alleged debt.
On XX/XX/2018, Mariner Finance initiated a " hard '' pull of my credit history ( on XXXX ) without my verbal or written consent. I was notified of this via a credit monitoring service. I'm currently behind on payments with Mariner Finance and have initiated a complaint regarding their aggressive and bullying collections efforts.
Back on XX/XX/XXXX, I wired some money to my cousins bank account using western union, when my cousin went to the bank on numerous occasion 's to get the money, she was notified by the bank that the money was not there, I contacted western union about this and had an investigation done. since then, the money has still not been picked up by my cousin and the bank confirms that the funds are in the account, but they keep telling my cousin that the money is not there. Her account is currently closed and the bank refuses to furnish western union with the proper documentation needed to refund my money. it has been over 30 days with no results.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX,
I have incorrect info on my credit report. I do not know of this info it does n't belong to me These are the itmes that do not belong to me XXXX XXXX {$5400.00} XXXX XXXX  {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$590.00} XXXX {$140.00} XXXX XXXX XXXX
On XX/XX/XXXX the following accounts were taking off my credit report XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX all the items were put back on credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. 
I received no such notification. This is very serious violation of the FCRA. These items need to be removed off of my credit reports immediately.
Up until about 5 years ago my wages were being garnished for student loans, since that time I have remained in good standing on XXXX loans. Evidently at the time there was a XXXX XXXX loan that was not sent to XXXX the people collecting for the other XXXX loans. About two months ago with no warning my wages were garnished by Van Ruh again. Federal law clearly states they have to give me 30 days notice and I received NOTHING. After much grief I finally got the education dept to take off the garnishment. I wanted the loan consolidated with the other XXXX loans so I could just continue. Then without any warning whatsoever they garnished my wages again 2 weeks ago. I had been told by the dept. of education that before they could consolidate the loan Van Ruh would have to remove some block. When I called Van Ru they kept saying it was being taken care of. I believe they should be sued or fined.
Pursuant to new CRA guidelines public records in the form of tax liens should possess the following information DOB and/or SSN. This information is not being accurately reported on my credit report and is therefore out of compliance. I would like for this tax lien dated XXXX/2016 to be deleted from my file. I have disputed this at least ( 4 ) times. Attached is a copy of the tax which clearly shows the tax lien does n't reflect my SSN or DOB.
I wrote two letters to this company last XX/XX/XXXX and again last XXXX XXXX, 2017 to dispute incorrect and inaccurate information on my credit report. They are claiming that they did their investigation but there incorrect and inaccurate pieces of information are still on my credit report. They are reporting unverifiable information from my credit report and it has been more than 30 days and no lawful action has been taken. I have enumerated all the items and what 's making these items incorrect and inaccurate on those two letters. Today, I am writing them another letter which is attached to this complaint.
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Credit Systems International Inc and I requested a validation on the same date. On XX/XX/XXXX as no response had been received and the account continues to reflect on my credit report and does not reflect that the account is being disputed.Based on their failure to validate this account adequately and despite my dispute, this account is still reflected on my credit profile and continues to negatively affect me.
A dispute with XXXX XXXX XXXX was made regarding derogatory information reported. 
CFPF File Number XXXX resulted in XXXX issuing a letter dated XXXX XXXX, 2016 wherein they stated that XXXX removed the trade line from all credit report effective XXXX XXXX, 2016. 

The derogatory information is still being reflected by TransUnion. I visited the US Office of Personnel Management account I have and found that as of XXXX XXXX, 2016 the derogatory information is still reported by TransUnion. This is negatively impacting the mortgage rates I am currently being quoted.
Good Afternoon, I have made several attempt to contact experian credit bureau for an inquiry that is  XXXX   XXXX ,  XXXX   XXXX  and today  XXXX   XXXX   XXXX  reported for the incorrect date of removal  XXXX   XXXX   XXXX  Date :  XXXX  unspecified Reason : This inquiry is scheduled to continue on record in  XXXX   XXXX . That inaccurate it should be  XXXX . They refuse to remove.   Please Help Thank you
I received phone calls on my mobile from citi bank credit card from number XXXX about past due and i did return call again same number and their system identify me by my home phone number and system says " we are attempt to collect debt Any information obtained will be used for that purpose. '' my question is i just miss the XXXX payment on my credit card account and I took immediate action and made payment. my question is why my credit card account is under " attempt to collect debt ... .that purpose '' Is it under collection agency or i have balance and did not paid full each month it means my account subject to collect debt.
I worked hard to get my credit score in the Excellent range in the low XXXX 's. Within weeks my score dropped from 89 to 175 points Equifax : XXXX in XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX ( 89 pt drop ) XXXX : XXXX XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX ( 175 pt drop ) I contacted Equifax and XXXX to understand why my credit score was decreased so much so quickly since there has been no major problems or changes to the account except for paying off a car loan ( with NO late or missed payments over a 5 year period ) and opening a new account for another car purchase. 

I have tried to obtain information from Equifax and XXXX yet they can not find anything that has changed and refuse to correct the score. They have refused to help or even tell me how to fix the problem. Equifax also has claimed I have put a freeze on my account in XXXX with a special " code ''. I do not remember doing this. 

I need my credit score corrected.
Sometime in XX/XX/XXXX a loan was issued in my name which I did not apply for or sign for. I found out about the loan from my credit report after {$600.00} of interest had accrued. I called Sallie Mae to inquire as to how they could allow someone to take a loan out in my name without my signature or notifying me. I was told someone had my information and I was stuck with the loan, it was my problem. As interest was accruing and I feared my credit report would be damaged I had to take out a loan to pay Sallie Mae in XX/XX/XXXX. I never received a promissory note, loan terms of agreement or any communication from them regarding this loan prior to it being reported to the credit bureau. I felt like the response I received was very irresponsible and left me feeling angry, taken advantage of, hopeless and without recourse.