WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, XXXX XXXX, and Experian continues to allow XXXX XXXX also known as XXXX XXXX XXXX XXXX to continue to keep a medical bill on my credit after it was paid to XXXX XXXX XXXX. ( XXXX ). The original company failed to Bill my secondary insurance. Straight XXXX. Please see attached proof I had XXXX XXXX, XXXX XXXX, and Experian has also failed to prove to me how they are verifying the following account. XXXX XXXX has also failed to send validation of this bill to me. Which is a violation of the FCRA. Please see attached information from previous complaints from the Better Business Bureau, where XXXX XXXX from XXXX XXXX admitted they received a phone call from my primary insurance XXXX, stating that the was sending additional payment. A check in the amount of {$1000.00} with Mail to XXXX XXXX XXXX XXXX, XXXX. BUT THIS BILL IS STILL UNPAID ON MY CREDIT, again this is A VOLATION OF THE FCRA. The FCRA also prohibits any account staying on the credit file if there'sreason to believe the item is being reported in accurately.. Please Please Read All of the following attached information. I 've been trying to fix this issue with XXXX XXXX. This was a hospital/doctors office billing insurance billing error and should 've never made it to my credit file..
On XX/XX/2017 I contacted XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( # XXXX ) after finding out that my name was listed under a collection action with a credit card balance of {$XXXX}. The original creditor was XXXX XXXX. First, no one from the recovery company contacted me personally, verbally or in writing to discuss this or even request payment. No court action was filed and in fact no proof has been provided to the credit networks to justify this collection action submitted to the credit networks naming me, XXXX XXXX XXXX. I was a co-signer on this account but was never told the account was in arrears or that a collection action was about to take place. If they can name me for being responsible, and so list my name under a collection action on my credit report, why could they not notify me in writing to have a chance to resolve this before they took it to collections?
-On XX/XX/XXXX I ordered ACH push transfer from my Capital One 360 Savings account into my XXXX XXXX account. 
-On XX/XX/XXXX the funds were credited and available in my XXXX XXXX account. 
-On XX/XX/XXXX I closed my Capital One 360 XXXX account. 
-On XX/XX/XXXX the funds were withdrawn WITHOUT MY CONSENT from my XXXX XXXX account back to Capital One. 
-On XX/XX/XXXX a Capital One representative confirmed by phone that Capital One reversed the ACH push transfer ordered on XX/XX/XXXX. They executed the reversal without my consent or previous request. The Capital One representative said they do not know where the funds are so they will have to order an investigation that they say will take several business days. 
-At this point the funds are nowhere to be seen. 
-Capital One reversed a perfectly valid transaction already confirmed by the destination bank ( XXXX ) without giving a reasonable explanation of why.
A paid collection being reported with a balance on my credit report. It should have been removed. I had a debt with an apartment community that went to this collections agency. I've paid the debt and as of now the RentDebt company is still reporting the account with a balance. I also was told by them that the debt would be removed if I requested it. I have had no actual contract or any agreement with Rent Debt that makes me liable to them, nor did I receive any dunning notice before the debt was placed on my credit reports. They are in violation of FCRA. 


They need to remove this paid debt from my credit reports. The representative I spoke to said it could be removed if I requested it to. They can review that call.
my identity was stolen. accounts were opened in my name and used. I have filed a dispute several times and provided a police report along with an affidavit to show my identity was stolen and Equifax still will not remove the negative info from my credit report
I got a rejection letter from XXXX XXXX XXXX XXXX, dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present XXXX XXXX credit obligations. '' I do not have nor have I ever had any XXXX XXXX credit cards. My sister in law, however, does and she has BAD credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow XXXX XXXX has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies! When I attempted to check Equifax for my credit, I could not correctly answer the XXXX security questions. I thought they did not pertain to me and said " none of these '' but when I ran into the same weirdness on XXXX, I answered the questions as my sister in law and was able to get in.
I am writing this complaint with regards to the data breach of Equifax data reported on XXXX XXXX 2017 ( but discovered in late XX/XX/XXXX ). I am upset for these reasons : 1. That Equifax allowed this to happen ion the first place.
2. They do n't offer lifetime credit monitoring for free, instead only offering a year.
3. Signing up for this year requires me to relinquish my right to join in a class action lawsuit Please punish this company severely for this breach of trust.
I received a call from my bank asking me if I had used my debit card for a couple of transactions. I listened as they rattled off these transactions and one got my attention. It was from XXXX XXXX for {$19.00} and I told them no I did not authorize this transaction. So they deactivated my debit card, and after I hung up the phone I was curious if this was the first such charge. So I went through my bank statements and found that it was n't the first such transaction. It had been going on for about three months to the tune of over {$1000.00}. So I contacted the bank and disputed the charges, about a week later I got the funds placed in my account and was told the case was closed. Then almost two months later I received a letter stating that my son had a prior relationship with the XXXX store and since this was the case he must have made these purchases. I assured them that he did n't as I checked his XXXX and there were no games on there because he does n't buy games online, he likes to have the case and disc. So as I had closed out my account before they could take the funds out, they decided to accept my direct deposit anyway and took all the money back throwing my account into the negative because of this I was also charged several banking fees for transactions they paid knowing that I had no funds in my account to cover these charges. So now my account is almost - {$900.00} and I have changed banks. They have continued to pay bills and I was then told to get a police report to release the bank from responsibility. I did that and waited ten business days as I was told, then I called back and got the same answer. My son must have made the purchases. So I asked them for proof, and they said for me to contact the playstation store, which I had already done and they said they can not provide me with such information. I do n't understand if someone was spending almost {$100.00} a day on a website why the bank had n't contacted me earlier, and they said that is not their job. It is my job to keep track of what is going on with my account. I said so you are n't responsible in helping to cut down on fraud, and they said no that is my job. I am so angry that I have switched banks and will never go back to this bank, but I am still out over {$1000.00} with no explanation or apology or anything at all resembling how a business would handle such matters.
I applied directly with XXXX this a.m. of XXXX, XXXX, 2018 through their website and received a credit score of XXXX from XXXX  ( see attached ). I was denied due to a bogus claim of excessive account balances ( see attached ). I do not have excessive balances. The accounts I do have are low balances where most of these balances will be paid off next month. I do not know what is going on with auto financing, but I am well within the approval guidelines to be approved for an auto loan. I am, presently paying {$350.00} a month.This consumer has been unfairly assessed by this finance company.
I have repeatedly asked for Mr. Cooper to provide to me the ORIGINAL NOTE that I signed. On XXXX XXXX, XXXX, they sent me an email! They later mailed a " COPY ''! This is ridiculous! A photocopy does not prove ANYTHING! IMMEDIATELY VALIDATE THIS DEBT or REFUND MY MONEY!
Two medic al debts from  XXXX   XXXX   XXXX   XXXX   were  discharged  in a chapter  XXXX  bankruptcy case on  XXXX . Case number  XXXX .    Medical Data Systems i s a debt collection agency who starting reporting the account as currently open with a past due balance. I 've disputed the account with every credit bureau but they keep saying the bankruptcy was dismissed. They are referring to an old bankruptcy from  XXXX . There was a second bankruptcy case in  XXXX  listed above.
I paid an account that was charged off in the amount of XXXX. The money was electronically debited from my checking account on XX/XX/XXXX. Synchrony/JC Penney is telling me i have to wait 21+ days to get a letter showing my payment and that the account balance is paid in full. They didnt even send a receipt for the EFT from my checking account. I've talked to 3 or 4 representatives and each one has given a different answer about the wait time i.e. 21 days vs 21 business days. I have a home loan pending and i can not move forward without a letter and i planned around 21 days from the payment date, which is the info the last rep gave me, now as of today its 21 business days. Each rep has been unable to even give me an accurate date of when i can expect the letter to be available i.e what is the earliest date the letter can be generated? One person i spoke with today said 1 more day and that he would be filing a complaint internally. now the manageris telling me no letter will be generated until XX/XX/XXXX. I need help. Im a single mother of XXXX kids trying to purchase a home
Per my conversation with loss mitigation representative this afternoon, please find pertinent documents attached to show a modification application was in review at time of loan transfer from XXXX via XXXX XXXX XXXX. The denial reason was listed as the loan being transferred - this is not a valid reason for modification denial. I am aware of the 37 day requirement prior to a sale date for modification review however this delay in decision due to the servicing transfer is not the fault of this borrower. Due to this fact I request the sale date be postponed long enough in order for a proper modification review to take place.
I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX regarding a XXXX XXXX Credit Card debt in XX/XX/XXXX, by mail. I called to negotiate payment. We agreed upon a one-time pay off of {$1300.00}, which would come out of my bank account via debt card. They wanted my account #, but I would not give it. 
The debit was to occur on XX/XX/XXXX. Unfortunately my bank blocked the initial debit thinking it was fraud. I received a text notifying me of this. I responded to the text and confirmed it was not fraud. The bank responded via text saying it would honor the debit and to try again. 
I called the direct agent ( extension number ) of whom I'd made the previous arrangement and left a message to run the debit again. They did not. I called back today ( XX/XX/XXXX ) and now they want {$1600.00} to clear the debt, stating the original agreement was void and I had not tried to contact them. 
I'm willing to pay the original {$1300.00} agreed upon, but can not afford the {$1600.00}. They threatened lawsuit.
I contacted this office for the second time today, Friday, XXXX 2015. The time was XXXX. I advised the representative that they were reporting on my credit report for a debt that had been discharged in a chapter XXXX. He still advised that it was an attempt to collect a debt. I then explained that I was not to receive any more calls regarding the debt and proceeded to provide them with the filing attorney 's phone number. Her name is XXXX XXXX XXXX and her office in located in XXXX, MD.
I did not receive a notice of the right to dispute the debt portfolio recovery associates claims that I owe. I have disputed the debt multiple times, recently over the last year, and have only received a notice saying that they have validated the debt and will not dispute it again. They completely left me " in the dark '' to take their word for it that the debt is valid, without providing any documentation. Where is my hard copy documentation? How did they validate a debt? Where is proof of the balance? Where is the payment date proof? During XXXX of my attempts to dispute the information via the credit bureaus, Portfolio Recovery Associates even sent me a letter offering me a settlement amount, DURING a dispute, and according to my credit report ( which they say is valid without providing proof ) is PAST the statute of limitations. After disputing the debt account with the original creditor listed, they removed the account from my credit, but portfolio recovery associates refuses to respond properly to my dispute efforts.
I am writing you regarding XXXX  XXXX  XXXX. They have placed 2 collections on my credit reports for {$230.00} and {$270.00} with XXXX XXXX allegedly being the original creditor. I have written them certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking them to verify or validate the alleged debt and send me an original contract between them and I. They have failed to do so on every occasion. I have asked them to remove this from my credit reports if it can not be validated. They have failed to do that as well. They failed to send me a dunning letter for the {$230.00} amount prior to placing it on my credit reports and, therefore, failed to notify me of my right to dispute. All they send me when I ask for validation or verification is a computer generated statement from company records, which does not prove that I have any contractual obligation to them. They have never loaned me any money. They are not named as a creditor against me on any contract I have ever signed. I am also disputing this with the credit bureaus. Portfolio Recovery has inquired on my credit reports an obscene number of times, without my permission. Looking at my credit reports, XXXX XXXX is not reporting delinquent debt from me. They are reporting an old credit card account that is closed and was in good standing. They are also reporting open credit accounts that I have with them and am paying on. Portfolio has listed themself under " banking '' on my credit report but have never loaned my money and I have never opened any account with them. Portfolio Recovery is harassing me via mail and phone. They are calling my employer after I asked them not to contact me via phone. They called me at work today and threatened to start calling my family members if I did not provide them with an alternate phone number. They have called my XXXX year old son, telling him that I owe them money. They call repeatedly using different phone numbers. They have repeatedly been mailing me the same computer generated statement. They have broken so many federal laws and are causing damage to me, financially and with my employer.
XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX Telephone : ( XXXX ) XXXX Date of Birth : XXXX/XXXX/XXXX SS # : XXXX received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error submitted dispute to Experian on XXXX/XXXX/XXXX and no answer : 1. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

2. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4.The information is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
because I have no bank account, I purchased an American express gift card to pay some bills with. I was not able to use my balance of {$320.00} on any of my bills, XXXX I contacted the gift card service center in XXXX on XXXX separate occasions, and spoke with XXXX separate floor supervisors and was repeatedly told that there was nothing wrong with my card. I repeatedly tried to use it online, on phone, and directly speaking with my creditors with no success. XXXX floor supervisor, XXXX XXXX XXXX, at XXXX customer service advised that it is not meant to be used to pay bills. I told them it should be able to be used just like a credit card for any reason. After not being able to get customer service to help me in any way I asked fpr a refund and was told that it would take 20 business days for a refund. It sure seems like a scam to me. I spent good cash money and now am out {$320.00} for at least a month. This is not a responsible business practice, and not fair to the individual. Please help me to resolve this absurd practice. I never have similar problems with other major gift cards XXXX. I just want to be fairly treated, and hope you can help me, and others like me. 
Thank you,
This complaint involves three parties : - XXXX XXXX XXXX ( ie. XXXX XXXX ) - XXXX XXXX XXXX - Equifax During XX/XX/2018 I relocated from [ city in ] Alabama, to [ city in ] Oklahoma. Prior to my move, I contacted Charter to disconnect my internet service and was told at the time it couldn't be done without some information located on my network router. I told them I would get back with them when the router was in my possession ( as I did not have it with me at the time ).

During my move, I had the router with me in the car ; so during a stop for fuel, I called XXXX and informed the representative assisting me of my intentions to disconnect services. I informed them that I had called once prior but was unable to due to lacking the information from the router - but that I had it now and was ready to proceed.

The representative in question was audibly confused by this, and stated that there was NO REQUIREMENT for me to have the information from the router the first time I called. She added that she was not sure why it would have ever been requested for a disconnection ; but that she was willing to assist me with getting it done during our call.

She then looked up my account and informed me the service would be disconnected as requested, and that NO ACTION was needed on my part. She added that they, in fact, OWED ME MONEY and that they would be issuing a check for it to my new address.

This is the last I heard from XXXX directly.

I never received the check for money owed to me ... What I did receive instead ( in a manner of speaking ) was a credit monitoring alert, this XX/XX/XXXX, that a collections account had been added to my report by XXXX XXXX XXXX for the amount of {$34.00} with XXXX listed as the client.

This collections account appeared on two of my reports : - One with XXXX - One with Equifax I disputed both of these ...

The dispute with XXXX was resolved in a matter of days, and the account in question REMOVED from my respective report.

The dispute with Equifax however, was filed XX/XX/2018, and it was not until TODAY ( XX/XX/2018 ) that I received notice that the dispute was completed. According to Equifax 's provided documentation, however, this dispute was completed XX/XX/2018. No explanation was provided as to why it took 24 DAYS following the apparent completion of the dispute to inform me about it.

The result of the Equifax dispute was " The information you disputed has been verified as accurate ''.

I fail to understand how this is possible, when the information is not only inaccurate, but outright fraudulent.
My issue is  with Synchrony Financial Services who are t he bank for several store card suc h as Walmart, Amazon,  Pep Boys and Care Credit, which are all cards I have. In  XXXX  and  XXXX , I had issues paying my bills and was either late or missed payments. I have since rectified the situation, brought all of the accounts current and have not missed payments. the card in question is t he Walmart card.  It had a {$2000.00} limit and a balance of {$350.00}. I received a letter on  XXXX   XXXX ,   XXXX   that my credit limit was being dropped to {$370.00} due to issues with my credit report. That left me with {$17.00} open to spend. When I contacted Walmart/Synchorny they could not explain why the drop was so significant. Because they dropped my limit, it now appears that I have over utilized the credit and I will continue to receive a low  credit score beca use I am now so close to the credit limit as well as have my credit limits decreased again due to the low score. This will be a cycle that will continue with Synchrony bank until they have decreased all of my limits bas ed on two months of trouble that has since been resolved. This is the second card managed by Synchrony   Bank where the credit limit has been decreased based on credit report. The report was provided by  XXXX  and the reasons listed were existing problems that had been on my credit report for years (  a discharged bankruptcy that is over 7 years old a nd a medical collection issue that is also several years old and is due to an insurance company changing benefit amount and leaving me with a large bill that I could n't not pay ), loan balances that are too high ( I have student loans and a loans that have always been paid, a re two years old or older, existed when I had my credit approved/increased with Synchrony Bank, never been in default, payments have always been current even during the two months I has issues and their balances have not increased so I do not understand that re ason ).   Walmart/Synchrony have been unhelpful, I have called customer service repeatedly, have been hung up on and yelled by their reps, been told they have no record of my call history regarding this or they just transfer me to the   XXXX   Credit Report order hotline when they tell me they are sending me to an accou nt specialist.
Unauthorized fraudulently used my Target account and exceeded my credit limit. I sent in documents Target requested police report, affidavit, charges I was disputing, and copy of my ID. This claim was filed last year and never resolved. I fax all my documents on XXXX XXXX and yesterday a customer service rep in the fraud department stated they never received them. I have the copy of the verification form showing the fax went through. I 've called Target over one hundred times to resolve this matter, but have been unsuccessful due to them not returning my calls and giving me uninformed information including hanging up on me several times. The person who is working my claim supposedly is name Sue but I have called her over 100 times left messages but she will not call me back. I have the documents showing I fax them on XXXX XXXX and will be sending them again on Monday XXXX XXXX.
XXXX acct number i overpaid this loan by XXXX k trying to pay off the 2015 sienna, the refund of overpayment has been promised back to me on 3 separate occasions as i have to go intoa dealer to handle the transaction, my loan is going 30 days late, nobody is helping me, please refund the full overpayment of approx XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX