WillisBack/dataset-financial-user-claim huggingface dataset:
Duplicate reporting with different balances : Account # 1 {$170.00} Balance XXXX Original Creditor {$170.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Account # 2 {$280.00} Balance XXXX Original Creditor {$280.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Medical Remarks Account # 3 {$610.00} Balance XXXX Original Creditor {$610.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility XXXX Account # 4 {$72.00} Balance XXXX Original Creditor {$72.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility XXXX
I was doing a loan modification with XXXX Bank. It started in XX/XX/XXXX and ended XX/XX/XXXX. On the final modification papers, it was stated by XXXX that the late payments would be removed from my credit after 1 year of making payments on time. 
When I called XXXX after a year, they said no the late payments stay on for 7 years. 
Is there anything I can do about this?
Affidavits Attached XXXX XXXX v. Experian Information Solutions, the judge through that case ruled that the court can not just rely on computer generated documentation, instead the court has to do an investigation. Upon contacting XXXX XXXX, Experian, and XXXX, and XXXX  in reference to an unverified bankruptcy reporting on my credit reports that they maintain under my social security, noting that XXXX XXXX had an inaccurate social security number reporting. 

Looking into my XXXX report, on it's website ( XXXX XXXX XXXX ) it listed XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX ( XXXX XXXX '' ) as a provider of the bankruptcy information to XXXX. FCRA Section 611 ( a ) ( 2 ) requires XXXX and XXXX XXXX to ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX and XXXX report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.
I visited the Amex credit card page looking to upgrade my card to something better that I could receive XXXX XXXX points faster than I was. My old card had no annual fee where as the Ascend card I was interested in was $ XXXX/year. They were offering XXXX points for new members but in the fine print of the offer it stated that as a existing member I would not receive that much but to call Amex customer service and see what I could get. During the verbal conversation with the Amex rep she stated that if I upgraded I would receive XXXX   points instead after I spent {$3000.00}. I thought it was a good enough deal between the points and other XXXX XXXX upgrades. After a few months no points were credited and I started a complaint with Amex. I spoke to a few different reps over many phone calls when I heard nothing from them. One rep named XXXX said she could she on her screen where the mistake was and as soon as her supervisor returned she would call my cell phone and confirm my points. Of course this never happened and Amex denied my claim. I have been a loyal Amex fan for thirteen years and now that I have been the victim of a " bait and switch '' sales tactic by them I question if I will remain a customer. I have filed a complaint with the XXXX  which I'm awaiting to hear from. All I want is the XXXX  points I was promised and that's it. I hope you have better luck dealing with Amex than I did and for a company who raves about their customer service I'm totally not impressed. Thank you.
I have experienced several financial hardships during the past several years although from being out of work or experiencing the death of a loved one. I have continuously ask for help and during the past two years have submitted at least eight to ten modification packages for any kind of assistance. However, every last package was denied and some probably without review. Not being able to receive assistance I had to file a chapter XXXX to avoid foreclosure. Even after the bankruptcy I have asked for help and once again denied any help. The bankruptcy and mortgage payments on top of my other bills have left me in a desperate situation and facing being homeless. During the past few months, I have been in contact with a single point person from Santander Bank ( XXXX XXXX ) to ask about other options. XXXX called me basically every week which made it appear as if she was really trying to help me come up with a resolution. However, I was wrong and as soon as she convinces me to put in a package for a deed in lieu to surrender the home without penalty, XXXX then expresses to me that I could receive up to XXXX XXXX dollars to relocate ... the option sounded good so I submitted the package. I have not heard back from XXXX and I just received a letter ( motion ) to drop the Chapter XXXX because of non-payment. XXXX was being deceitful and knew that there was no chance for me receive any help with the mortgage. XXXX called me on a weekly basis to pretending to be concerned about my situation but only wanted me to write a letter to surrender the home and knew that I would not receive assistance.
XX/XX/XXXX, I received a notice of changes in terms to my AT & T Universal Platinum card, which I have held for over 20 years. The notice said I could opt out of their new arbitration provision by sending a letter postmarked no later than XX/XX/XXXX. I accordingly wrote such a letter on XX/XX/XXXX, and mailed it the next day, 11 days before the postmark deadline. On XX/XX/XXXX I received a notice from Citibank ( which owns the card service ), stating that my account would still be subject to arbitration " because you did n't mail your preference to opt out by the deadline we established. '' On XX/XX/XXXX I called the card 's customer service line and spoke to a man who identified himself as " XXXX in Arizona. '' He checked on the situation and informed me that my letter had not been received until XX/XX/XXXX. When I asked how that could be, given the date when I mailed the letter, he said, " I guess the Post Office took a long time to get it to us. '' He gave no information about the postmark, which is the determining criterion. He said that, in the future, I could opt out of card agreement provisions by telephoning. When I asked if I could opt out with him right then, he said no, it was too late. When I asked if there would be future opportunities to opt out of the arbitration clause, he said no again, but that " in the future, you can opt out of provisions by phoning us. '' I suspect that the company is being dishonest with me, that they are wrongly preventing me from rejecting their arbitration clause.
Online predatory lending. 299.99 % APR for cash advances. {$400.00} credit limit. Also, this company ( XXXX XXXX XXXX d/b/a XXXX XXXX XXXX ) does not have a license to offer lines of credit in my state of residence ( Florida ).
XXXX XXXX has subsidiaries, notified Transunion that the CFPB investigated the issue and that it was found to fraudulent but Transunion has found the acct as correct,
Back in XX/XX/XXXX I  received a bill stating I owed a company called XXXX XXXX XXXX an amount of {$1800.00}. They stated if I dispute the validity of the debt they would obtain verification of the debt or obtain a copy of a judgment and mail a copy to me. I responded to them via certified mail on XX/XX/XXXX stating that my letter was a formal dispute and I was requesting validation and proof of such a document bearing my signature that I owed them a debt. On XX/XX/XXXX they responded back with a letter stating that they worked for doctors around the country and I owed a balance to them for {$1800.00}. They showed a invoice number and a account number but not what was requested of them. On XX/XX/XXXX I noticed this account on my credit report under account number XXXX. On XX/XX/XXXX I sent them another letter certified mail stating that they had not provided me with viable evidence showing that the account is being reported accurately. I advised them the description of the procedure being used to validate this debt is requested. This includes the names, addresses and phone numbers of whom they validated the debt with. This letter was not signed for or picked up by the company so I resent the same letter out on XX/XX/XXXX. On XX/XX/XXXX they responded with the same exact letter they sent back on XX/XX/XXXX, still not providing the requested information. They sent the same exact letter again on XX/XX/XXXX still not providing the requested information. This account is showing " charged off '' on my credit report. Since this company has not provided the requested information to prove that I owe them a debt I want this account removed from my credit report.
On XXXX/XXXX/2016 and XXXX/XXXX/2016, I have used the services of Moneygram XXXX to send " XXXX '' money for something that I allegedly owed. I called XXXX 's customer support number to verify. XXXX told me it was a scam. I unplugged my computer, filed reports with the police, with the bank, Moneygram itself, several government agencies. I have talked with XXXX, they tell me to go the bank and the police to dispute the charges. I talked to the bank, they tell me to talk to Walmart and Moneygram XXXX as well as the local police to dispute the charges. I have tried everything to file the disputes with the bank, there isnt anything they can do about it. I am now trying to dispute Moneygram XXXX and Walmart for charges. I do have police report number and other report numbers from government websites if needed. I also still have receipts from the Moneygram purchases with reference numbers. Already filed reports with Moneygram XXXX about the charges. Local police have talked to Moneygram XXXX. Still havent heard anything back yet. Trying to see about getting help for it. May go to legal aid if I have to. I have lost in total XXXX
i contact chase bank to day to put a stop payments on two ach purchase the money was charged for XXXX dollars out of my account any way to XXXX XXXX XXXX from some eletronic check payments system than i didnt agree or allow this XXXX XXXX XXXX company to do and chase bank give this loan company system access to my account too do this after they had taken XXXX dollars out my checking account so the two loan company wouldnd i have access to my account for 18 month and chase bank guranteed me that those two loans company wouldnt be able to withdraw funds out of account, now chase bank has caused my account to be overdrawn by this loan company XXXX XXXX XXXX and chase bank failed to protact my account, and was treated very unkind by this bank XXXX XXXX
We had a Discover Card. When my husband 's business went under, it was one of the monthly debts we stopped paying. That debt was purchased by XXXX & XXXX from NJ. The firm got a judgment against us in the amount of $ XXXX. We did owe the money and entered into a monthly payment plan with them. They do not send monthly statements or receipt of payments. We would like to know our balance and get a receipt when a payment is made -- if not monthly -- at least quarterly. 

We had been making payments faithfully for 2 years and we were late one month -- just outright forgot. Not hard to do since we do not get any statements from them. It's due the XXXX of the month. I went to pay it online on the XXXX of the next month only to find out they had cancelled the agreement. Also, you can not go onto their website and make a partial payment ( if you wanted to split it up over the month ). 

We were able to get the agreement reinstated but they asked for an even bigger monthly payment. We did not agree to it. My complaint is about their business practices -- no statements, no receipts, no updated balances but they have no problem rescinding an agreement immediately when a payment is not made. They should be obligated to send out statements and keep consumers informed. 

If I knew what I know now, I would definitely have negotiated the debt down. This law firm are bottom feeders and should be held to better standards. They prey on too many vulnerable people and should be sanctioned.
Placed a temporary credit freeze with Equifax after their XX/XX/XXXX data breach, on XX/XX/XXXX. Now I am trying to unfreeze my credit ( XX/XX/XXXX ) so we can apply for a home mortgage and other credit and we are unable to get through to them to lift it. Their automated phone freeze line is faulty and inoperative and so is their automated website freeze feature. I have been calling with no success either. This is a huge problem and was supposed to be an easy process. i have been reading XXXX posts, and other comments on various websites about many other people who are still experiencing similar issues well into XX/XX/XXXX. How is this not fixed yet? 

I feel like I am being taken advantage of and punished for something that is not my fault. Equifax gets hacked and our personal data stolen, and now I continue to pay the price and can't even lift a simple credit freeze so i can live my life. 

Once I can finally get through to them or lift the freeze I am tempted to cancel the freeze altogether. This has been such a frustrating, painstaking, and miserable experience that I can't even imagine trying to go through the freeze/unfreeze process again. 

How is it that they mess up, and they aren't held accountable? Consumers are still paying the price. The CFPB needs to hold Equifax accountable and ensure that their phones, websites, and staffing are sufficient and adequate to handle the vast number of American consumers affected by this scandal. What good is a credit freeze if you can't ever lift it when a life circumstance warrants it?
On XX/XX/XXXX I noticed a new collection account had posted on my credit report and it was by a National Recovery Agency. The collection amount was for {$330.00} and it was said to have been opened/service sometime in XX/XX/XXXX. The collection first showed on my report in XX/XX/XXXX but was first reported in XX/XX/XXXX. I initially spoke with National Recovery Agency on that same day, XX/XX/XXXX. On that day I was told by a representative and a supervisor that the company could not tell me the nature of the debt. They also could not tell me what service I was supposed to have used during the said service period. I told NRA the debt was not mine for the simple fact that I NEVER had signed up for any of XXXX 's services. NRA could not give me any answers so they referred me to speak with the original creditor, XXXX. 
After spending over a half an hour on the phone with NRA, I called XXXX. Speaking with XXXX was worst because I spent over 4 hours speaking to a rep. in every single department within XXXX. XXXX had no recollection of me having service during the said period in XX/XX/XXXX. XXXX has an old account under the name XXXX XXXX but it was paid off, with a {$0.00} balance back in XX/XX/XXXX. Everyone I spoke to, in every single department refused to give me anything in writing. They also refused to tell their own hired company NRA to stop reporting me. 
I spoke to NRA again on XX/XX/XXXX and asked again for something in writing about this debt and again they refused.
In XXXX I mailed dispute letters for the negative items on my credit report to be investigated. After applying for internet services through XXXX XXXX I was told that their was already XXXX count opened at another address but I didnt live their so I provided a copy of my military orders to show to XXXX XXXX and was told to check my credit for other items. After viewing my credit in XXXX XXXX i have over 90 credit inquiries and most were from fraud so I got a police report through XXXX XXXX Kansas police department located outside XXXX XXXX Kansas. I faxed it over to the burea on XXXX XXXX at XXXX at the box and ship located in XXXX XXXX Kansas . At the time I had credit repair companies fixing my credit which was XXXX XXXX XXXX and XXXX XXXX. They both submitted the police report and I received letters stating it was added to my report but whenever I call the three bureas I dont get an answer. They told me it was under investigation and the link they provided doesnt work its always unavailable. Ive tried contacting the companies from which the inquiries came from but they dont keep records was what I was told from representatives.
Upon beginning classes through the XXXX XXXX XXXX " XXXX '' XXXX, I was obligated by this school to borrow student loan funds through XXXX XXXX XXXX XXXX XXXX ; I was awarded no alternative loan providers and was advised that I could not seek and/or apply any other student loan monies from any other loan servicer. Then, a few months after I began my studies at XXXX ( and while still attending there as a XXXX student ), I was notified on several occasions by the director, president, and other financial advisors at XXXX that I had to start making payments on my student loan, and was threatened to be expelled from XXXX and, if I neglected to start making payments on the loan, that XXXX would report this on my credit bureau as a delinquent loan balance. So, I contacted XXXX to establish a repayment plan, but was told that there was no repayment plan that could be offered. In or around XXXX XXXX, 2015, my student loan was transferred to University Account Service, LLC from XXXX after the CFPB Student Loan Settlement became effective. This student loan was established on false and predatory lending practices, and is also a violation of XXXX, XXXX XXXX XXXX. XXXX XXXX a ) ), XXXX and the XXXX XXXX for XXXX XXXX.
Received a loan from XXXX XXXX and the harrasments and calling of references on a constant due to late payment is ridiculous.
I applied in XX/XX/XXXX with Key Bank. XX/XX/XXXX before XXXX I was emailed a note saying Denied. Credit is great..so is income, no credit problems. Denied because I put XXXX in key bank in XX/XX/XXXX to use for closing. Bank said denied due to assets ... even though I proved where the money came from ... weeks later still no deniel letter ... spent XXXX on XXXX on on inspection, and XXXX down payment ... which i lost.
My husband informed me that XXXX XXXX - XXXX verbally denied his application for rental with their property management company because of the reporting of an adverse account on my credit report. I never received any written notification of this decision ; but subsequently requested a copy of my credit report to investigate this issue. 

I never took any action to apply for rental from this company, nor did I at any time give verbal nor written consent to this entity to perform a credit history inquiry on me using my social security number. 

Further, I made an in person visit to the XXXX XXXX rental office and requested a copy of the application that my husband filled out. I was advised by both XXXX XXXX and XXXX XXXX/XXXX XXXX that they have no such application on file under my social security number or name.
On XX/XX/2018, Citibank, NA sent me a letter declining my application with no other explanation than " because we couldn't verify the accuracy of some of the information you provided. '' The letter lists a phone number, XXXX, which upon being called, played a recording instructing me to refer to the information in the letter, with no possibility of speaking to a representative. 

As part of the application process, Citibank, NA went so far as to demand a photocopy of my Social Security card, which I provided. 

Citibank, NA is neither clear nor helpful in explaining their decision. Further, I believe the information I provided in the application XXXX is accurate, and that I am creditworthy.
Account # XXXX ( this is 1 of 4 with CBE Group ) Amount XXXX To whom it may concern, On XX/XX/18 I sent out a certified letter to CBE Group Regarding account ( XXXX the supposed amount of XXXX ) to address XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX. I requested an original bill baring my signature be provided to me showing that this was my debt. 

I only gave them the right to show me this information. Instead they sent me a an alleged statement stating that it was mine divulging personal information violating HIPAA laws. At no time did I request a statement of the procedures that were done. I asked for an original Bill bearing my signature. 
I have sent them three certified letters requesting an original Bill bearing my signature and all they send me are these statements that are not even on letterhead or proper billing forms. Additionally, when I sent them the first letter they did not put on my credit reports, I know this because I ran my credit report again on day 31, that this item was disputed within 30 days following the : Fair Credit Reporting Act section 623 ( A ) ( 3 ) or Fair Debt collections Practices Act section 807 [ 15 USC 1692e ] Fair Credit reporting Act Section 609 Fair Credit Billing Act Public Law 93-495 Section 164 ( i ) Law US Court of Appeals, Ninth Circuit, No. 00- 15946, XXXX XXXX XXXX XXXX The information that CBE Group is reporting is not 100 % accurate They have several misspellings and incorrect name for me that they claim is my debt and will not correct the errors. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
We had ordered new check blanks in the mail and they were stolen and used at a couple of locations, XXXX being XXXX XXXX. A police report was filed and XXXX XXXX was contacted. The bank issued us a refund of the fraudulent charges and then I received collection letters in the mail from TRS Recovery Services trying to get me to pay these charges again. Upon trying to contact this collection agency, their XXXX number is disconnected and when I call the other number and try to give my claim number it types the incorrect number. I want these charges removed from my name!
I have a case number Case number : XXXX received a letter from XXXX, XXXX FILE # XXXX, Date XXXX XXXX, 2015 saying that my settlement amount is {$69000.00} and i have time to respond till XXXX XXXX, 2015. I called the XXXX and they told me that Citibank closed my file with them and they will contact citibank. At the same time, they told me that the settlement amount is {$660.00}. so even the letter shows more money that I need to pay. I am not sure why all these conflict of information. 
My question, why citibank closed the file with them if I have time till XXXX XXXX, to reply. I called to pay the settlement amount and finish with this issue. Citibank did not inform me of any thing and they are just working with the XXXX without letting me know where I should pay. 
Can you please, help me because this letter shows that I should talk to XXXX if i need help. 
I need to know why CItibank closed my file with XXXX without letting me know where to pay. 
thank you for your time and help. 
XXXX XXXX XXXX