WillisBack/dataset-financial-user-claim huggingface dataset:
I HAVE TWO ACCOUNTS ON MY CREDIT THAT I HAVE SUBMITTED DELETION LETTERS TO EQUIFAX THIS DISPUTE STARTED BACK ON XXXX AND EVEN WITH ALL THE DOCUMENTATION ACCORDING TO THE GUIDELINES SET BY THE FCRA THESE ITEM STILL REMAIN IN DISPUTE ON MY EQUIFAX FILE ... EQUIFAX IS A COMPANY THAT OUTSOURCES AMERICANS PERSONAL CONSUMER CREDIT REPORTS TO A THIRD WORLD COMPANY SO YOU CAN NEVER GET A CORRECT ANSWER FROM EQUIFAX THEY HAVE A PRACTICE OF TRANSFERRING YOU AROUND OR PUTING YOUR CALLS ON HOLD ... THE FIRST ITEM THAT IS INCORRECT ONLY ON MY EQUIFAX CONSUMER REPORT IS XXXX ACCOUNT # XXXX THE SECOND ITEM IS. XXXX XXXX XXXX ACCOUNT # XXXX BOTH OF THESE ACCOUNTS I HAVE SUBMITTED ALL DOCUMENTS NECESSARY TO BLOCK AND REMOVE THESE ACCOUNTS BUT EQUIFAX CONTINUES TO JUST PUT MY ACCOUNT IN DISPUTE AFTER DISPUTE AFTER DISPUTE..
Since XX/XX/XXXX I have been enrolled at XXXX XXXX XXXX XXXX taking pre-requisite courses to seek entrance to XXXX school this coming fall. Last fall, XXXX XXXX automatically placed my loan into deferment based on my enrollment status. This Semester I am only taking a single course which dropped my eligibility below half-time ( I was unaware of the time requirement as I had never specifically applied for the deferment ). 

On XX/XX/XXXX, I received an email stating my deferment had been lifted and my payment was due ON XX/XX/XXXX, the same day as the deferment was lifted.I called in to discuss, and I was informed that because my account had direct debit established the payment was pulling the same day I received notification. No billing statement was ever generated in violation of the Fair Credit Billing Act. The payment did not auto-pull as I had been told, but my account is now showing as past-due because I failed to make a payment on the same day a deferment was lifted with absolutely no advance warning and no billing statement generated.
On XX/XX/XXXX I had prepaid {$800.00} for a class and was not able to attend. Prior to the class starting I requested a refund and it was granted without penalties or fees.On XX/XX/XXXX I was charged {$400.00} for a room at a XXXX XXXX. I disputed the charge for one night and was given a credit for the full amount and a letter that interest would not be applied.On XX/XX/XXXX I paid a food bill for {$1400.00}. The amount that was on my statement was {$1900.00}. I disputed the charge and received a letter from Chase Card Services that the food company had added a tip of {$200.00} without my permission. Chase Card Services on XX/XX/XXXX granted me a credit for the {$200.00} and said there would be no interest of fees charged. 
Chase is sending demand letters for interest that started at {$33.00} and have now escalated to {$62.00} and climbing.
In mid XX/XX/XXXX, I noticed a promotion from American Express for a new credit card called the AMEX XXXX XXXX XXXX XXXX. The promo was for AMEX to give XXXX XXXX XXXX points for making purchases for making {$3000.00} in purchases using the AMEX XXXX XXXX XXXX XXXX. I received the card an made over {$3000.00} in purchases by XX/XX/XXXX. 
I made a phone call to the AMEX Cust Service line XXXX on XX/XX/XXXX at XXXX and talked with " XXXX '' and was advised by XXXX that I was " completely eligible '' for the bonus and the bonus will be displayed on the next AMEX statement. XXXX confirmed that I had not had this credit card before so I was eligible for the bonus. American Express started this new card in mid XX/XX/XXXX. 
I received in the mail the American Express statement for the period ending XX/XX/XXXX. I thought the bonus would be displayed on this statement as XXXX stated in our XX/XX/XXXX phone call. It was not on the statement so I phone called on XX/XX/XXXX at XXXX. A customer service person named XXXX said I met the requirements for the bonus and she was putting my inquiry onto my account. XXXX affirmed that I had earned the XXXX XXXX XXXX point bonus into my file. 

On XX/XX/XXXX I contacted by phone American Express customer service. The Cust Service person named XXXX advised me that the bonus should be posted XX/XX/XXXX. 

XX/XX/XXXX passed by and no posting of the bonus points. So I called again to American Express customer service and talked on XX/XX/XXXX at XXXX with XXXX . XXXX advised that the bonus points will posted 6 to 8 weeks after I have earned the bonus. I had earned the bonus on XX/XX/XXXX when my total purchases exceeded {$3000.00} on that date. XXXX confirmed that my account had the American Express " Welcome Back '' bonus offer linked to my account. 

On XX/XX/XXXX XXXX. I called AMEX Cust Service and got XXXX.. She confirmed my earning of bonus on XX/XX/XXXX but did not know why the bonus was not posted. She put me on hold and did some research. She advised me that I had received this bonus before with a prior AMEX credit card. I asked her to start a complaint and was given a reference # XXXX. Was advised that the resolution process will take 6-8 weeks. I advised XXXX to place into the complaint my phone call on XX/XX/XXXX with XXXX.
In XXXX 2017 the debt management service I had my account with XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX ) changed companies to GreenPath during that time I did not receive a statement for XXXX or XXXX from the new company GreenPath. Because of me not receiving a statement ( reminder ) I did not make a deposit. the previous company did a great job in sending me statements, return envelopes and statements where the monies were spent. GreenPath did none of those things Their accounting does not add up to the proper amounts. As soon as I found out about the issues I sent deposits to GreenPath.
When I received a statement on where the monies were spent XXXX of the creditors were not paid and are threatening to charge off the accounts. GreenPath 's excuse was they are paying priority accounts instead of paying each creditor as previously determined by XXXX.
GreenPath has not dispersed all of the deposit monies deposited and have continued not to pay all the creditors as did the previous company. XXXX creditors are still not paid yet there should be sufficient funds to pay all creditors as previous company had done. The XXXX creditors are XXXX XXXX and XXXX XXXX. XXXX XXXX has told me they have not received a payment since XXXX but I have a statement dated XXXX XXXX, 2017 from GreenPath stating XXXX XXXX is being paid {$110.00} My deposit amount each month is {$560.00} but GreenPath has only been dispersing {$450.00} so there should be a balance deposit of {$110.00} minus fees of {$35.00}. When I have called and tried to get them to pay the creditors not paid I have been told I have a balance of {$5.00}.
This issue has been on going since XXXX I need help to get my credit management back in good standing.
Everything was good until GreenPath took over the account.
Please help.
Sincerely, XXXX XXXX
cra violation inquires that are not sent police report and id theft gov Inquirer Name inquires pulled twice by the same company within 30days why? 
Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, AL XXXX BYMAILONLY XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX not mine idtheft victim
XX/XX/XXXX Eastern Account Systems reported a {$3000.00} debt to my credit report, showing that the debt was from XX/XX/XXXX. I reported this several times in XX/XX/XXXX and now have started reporting them again for falsely reporting the start of the debt date, which was in fact, XX/XX/XXXX. 

XX/XX/XXXX I submitted a claim through XXXX that the date was incorrect & XX/XX/XXXX I was notified by XXXX that the EAS is reporting that the information is correct. 

XX/XX/XXXX I opened a new dispute and provided the bill directly from the hospital to XXXX, showing that the debt was from XX/XX/XXXX and not XX/XX/XXXX. XX/XX/XXXX, I was notified that again EAS is stating that what they are reporting to XXXX is accurate. 

Eastern Account Systems is falsely reporting a medical visit start date and is falsely stating to the credit bureaus that what they are reporting is accurate. I also had insurance at the time of service so this may even be an attempt at double billing. 

I have/had no contract with this collection agency and do not owe Eastern Account Systems any money directly. Eastern Account Services has directly violated the HIPPA act of 1996. I never signed anything for this company to receive any medical information, the only information they are allowed to receive is date of service and amount due. They are still inaccurately reporting the date of service ( account opened ) as XX/XX/XXXX.

This debt being reported to the bureaus in XX/XX/XXXX caught me off guard as the date is so old.
I opened an account under the name of XXXX and billed to XXXX XXXX. After calling for 3 months and being told the account was not open I said I had already received the chairs I ordered. Two months later I receive I bill and tried to make a payment online. Unable to do so I called and was told no account was opened. After speaking with a supervisor I tried to make payment and was told to wait. I received a second bill for over {$800.00} dollars with late fees, and interest added. I called and was told I can close the account now since the account shows processed and account was closed after paying {$750.00} dollars. I am now once again receiving bills stating " close accounts still earn interest '' and I now owe late fees and interest. I have had this problem with this bank before same problem and believe this bank should now be declare a class action law suite because of their continued billing the consumer with late fees and charges on closed accounts. Because of the continued abuse of power from this bank I would like to see my credit status corrected and all fees and interest charged off. This bank is blatantly refusing to be handle accountable to anyone and look forward to working with your office to see what can be done to help the consumer not be taken advantage of by banks such as XXXX.
Bank of America misappropriated 2 months of XXXX of my properties/mortgage payments when they bought Countrywide. Ultimately, with the help from an attorney, the properties came out of default, my credit was cleared, or so I thought, and this was in 2010. Now, I 'm getting ready to refinance the XXXX properties in which I finally have equity, and the exact language on my credit report shows the following language : " Status/Details : This item was updated from our processing of your dispute in XXXX 2010. '' Of course, the new lender wants this off my credit report. So I called Bank of America who told me to write a letter, which I did, requesting them to have the credit agencies delete that language. I followed up with a phone call, indicated by the person I spoke to on the phone. He told me that the address I send the letter to ( overnight mail ) does n't have any phones, so I ca n't call them to follow up in XXXX XXXX. He ( XXXX ) is located in XXXX Arizona. I asked him ; " what can I do? '' He told me ... .you got it, " send a letter to the address in XXXX XXXX XXXX '' I told him I already did, and he then proceeded to tell me they 'll have to research it, and that this could take between 28 and 30 days ; which I do n't have. 
So, my question to you is : If Bank of America is requiring I pay everything on time, which I do, did, and would continue, how come they are n't available EVER to answer my request. 
I can not tell you how incredibly frustrating this is. I hope they all go under in my life time. Sick of banks and the power they hold over small, really good consumers like me. 

Now, my question to you, what can I do? What will you do? or ... ... should I just take another XXXX and forget about it? Eagerly awaiting your answer,
S & R got a judgment against me for XXXX old accounts from XX/XX/XXXX in XX/XX/XXXX for {$7000.00}. I started making payments after they got the judgmet. I lost my job and was in the middle of a divorce but I kept paying. My old lawyer paid the debt off in XX/XX/XXXX from settlemet funds during the divorce but I did not know this until recently. From XX/XX/XXXX until XX/XX/XXXX, I continued to pay {$100.00} every month even if I did n't have it. I was send letters and they called me all the time. I would ask them for the balance and they would not send me any thing. I asked fro receipts and they would not give them to me. They told me they did not know the balances. This year in XX/XX/XXXX I had a friend call with me to ask for a copy of the judgments and account information but they would not talk with me. I called again in XX/XX/XXXX asking for how much I owed because they sent me a letter saying I owed nearly {$5000.00}. I got a letter in XX/XX/XXXX from the court saying I owed more than {$7000.00}. They sent the sherrif to my house. I have paid more {$9000.00} plus my old lawyer paid another {$5000.00} on a {$7000.00} debt and they say I still owe more than {$7000.00}. The court say I owe 8 % interest since XX/XX/XXXX but that does not add up to another {$7000.00} when I have paid {$14000.00} already. The court does not show all the payments I sent the law offices. They wll not tell me why I owe so much and I canot afford amother lawyer to help me because I do not have a job. I went to Legal Services and they will not tell them any thing either. I ca n't sleep and I am stressed out over all of this. No one will help me. Please help me take care of this and make them stop.
In XXXX 2016 I had a secured credit card through Capital One that was closed. After application of the security deposit it left a balance of {$35.00}. While the account is being reported to the credit reporting agencies as closed a recent review of my annual credit reports reflects that Capital One is reporting the account in a derogatory status ( " past due '' ). A review of my statements from Capital One shows that while the account was closed and had a balance due I am still being assessed past due fees and interest. As of my most recent statement I have been charged in total {$55.00} in fess and interest. My new balance is {$91.00}. Additionally, my most recent statement states that my account is suspended.. I spoke the account representatives and a supervisor by the name of XXXX who stated that since the account still has a balance despite being closed the system reflects it as being suspend. However, I am requesting a review of this account status as a closed account should not be considered suspended. Suspension denotes that the account is active. How can a closed account be considered suspended? My most recent statements reflect I have a credit limit of {$200.00} and a cash advance limit of {$100.00} but no available credit for either. How can I have a credit limit of {$200.00} and a cash advance limit of {$100.00} when the account was closed? Additionally, I am requesting a regulatory review of the fess and interest charged for a closed account and reporting of derogatory information for a closed account to the credit bureaus.
I received these balance transfer checks XX/XX/XXXX by XX/XX/XXXX I made a balance transfer the offer was 0 % APR for 12 months with 3 % transfer fee well I paid of the balance today XX/XX/XXXX way before the 12 month period and they charged me interested for The time until they receive the fund. 
This is pure XXXX off credit cards becomes thief by the second and you Cfpb shouldnt come up with heafty consequences for these credit cards Their representative trained to make these redicilous charge do ok and ledgenmdbt not good
Dear Sir/ Madam, Order Number : XXXX I sent XXXX {$700.00} to my recipient in XXXX on XX/XX/2018  by XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX : XXXX ( XXXX ) XXXX Fax : XXXX ( XXXX ) XXXX But as of today, the recipient XXXX XXXX XXXX has not received the fund XXXX XXXX. This money supposed to deposited by XX/XX/XXXX to his XXXX XXXX account. I contacted everyday then since and XXXX XXXX XXXX Customer service will tell me that they are confirm that money will be deposit tomorrow. So, Finally, on XX/XX/XXXX, I request the proof or contact name in XXXX but they denied. On XX/XX/XXXX, I request the money back to my XXXX XXXX XXXX but they refuse again. I have there Ten email saying that money was deposited but its not.I also contact them toady by XXXX and by phone and same answer. Money will deposit tomorrow. I told them next 5 days Bank will be close in XXXX for XXXX. I don't know what to do. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, Suite XXXX XXXX, GA XXXX Cell : XXXX Email : XXXX XXXX
Ocwen provided a response to this agency regarding a complaint that it was not doing a meaningful investigation into a notice to correct an error. In its response, it did not provide any support that it had in fact responded to the notice. Ocwen is claiming that XXXX XXXX is the current holder, but our issue with Ocwen and our notice to correct the Errors is that XXXX XXXX was not the holder when the servicer initiated the foreclosure on XXXX XXXX, XXXX. We request that in Owen 's response, they provide who the holder was in XXXX XXXX when the alleged pre-foreclosure letter was mailed, furthermore, we request that Ocwen inform us with information as to who the holder was on XXXX XXXX, XXXX when the substitution of trustee was recorded at the request of XXXX XXXX, and lastly who the holder was on XXXX XXXX, XXXX when the notice of hearing and sale was filed in the XXXX County Courthouse? The recorded assignment of mortgage states unequivocally that the transfer to XXXX did not take place until XXXX XXXX, XXXX. American Home Mortgage Servicing, initiated the foreclosure on behalf of XXXX XXXX in error, an error which we asked be corrected before Ocwen sold the house on XXXX XXXX, XXXX causing injury to us. Ocwen has attached void court orders in all its responses. Void based on the actions of Owen 's Predecessors and Ocwen is trying to benefit of such void orders. A copy of the affidavit of default is attached and although Ocwen has claimed that it investigated its files, we would like to provide a document that Ocwen likely overlooked during its investigation. In NC Affidavits can be considered by the Clerk. Certain information must be contained in the affidavit in regards to the facts that must be found by the clerk. THe statute attached here references that servicer shall provide a 45-day pre-foreclosure notice and the foreclosure statute at NCGS 45-21.16 states that the clerk must find that the notice was provided, but the affidavit that is attached at paragraph XXXX is an admittance that the servicer may have provided the notice. This affidavit voids the clerks orders and all the orders that followed it. We again ask that Ocwen stop its actions and correct the errors that it is relying on to complete the sale.
On XX/XX/2016 I contacted XXXX from Chase 's XXXX, FL call center concerning an unauthorized late fee on my XXXX XXXX consumer credit card. XXXX was not willing to remove an unauthorized and undeserved late charge on my XXXX XXXX Credit Card. I made my normal monthly payment which is 400 % of the minimum due, and to my surprise and disgust Chase charged me a {$27.00} late fee. XXXX was rude, unprofessional and couldn't fully explain her position on behalf of Chase. This is unacceptable. I recommend looking at the overarching consumer credit policy compliance at Chase. Unsatisfactory and unacceptable for the American consumer.
I sold a saddle on ebay which was received by the consumer  X/XX/2017   . The funds were received by  XXXX  approximately on  X/XX/2017   . The amount was  XXXX . It appears some fee has been reduced from the funds as now it has been reduced to  XXXX . The funds re on hold even though the buyer gave the highest remarks and has the product. Further, the shipping was  XXXX  higher then quoted. They stated I could spend the money on  XXXX  immediately but I would have to wait up to 21 days for funds unless I have  XXXX  or more transactions.
yes companies XXXX open date XX/XX/XXXX XXXX have wrote to equifax and disputed to XXXX as well no responds back they could not say that the debt belong to me after 4 months still shows as costumer disputes this information ... ... ... .XXXX XXXX XXXX open date shows 2 diffirent dates not the write information XX/XX/XXXX on equifax and closed on XXXXXXXX XXXX  XXXX XXXX XXXX open date is XX/XX/XXXX inaccurate dates and as well on XXXX XXXX XXXX XXXX open on XX/XX/XXXX showing closed condiction ... .. 

I would love to get my credit clean so i can start a fresh start and cant due to things like this holding me back trying to better my family and buy us a house all the information i listed upabove that the credit bureau is reporting most was deleted and put right back as thanks for all your help and hope to hear from you soon thanks
Hello, to whom it may concern I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina to purchase an car, I was approval for an XXXX XXXX XXXX with 230,000 miles, I understood that the mileage was high, I was ok with that because at the time the car did n't show any sign of ware. As the months went by, I begin to notice problems with the front end and the car would roll back on hills without been in reverse. So inXX/2016 I decided after driving the car for one year and making payments on time, I tried to trade the car I for a new model with less mileage, I went to XXXX XXXX to try to trade their car for a new model with less mileage no assisted me, so I went to another car and approval forXXXX car with 17,000, and they would only give me XXXX dollar for the XXXX XXXX because they pull the XXXX and it showed that the XXXX XXXX had been in 2 reported front end accident, WHICH XXXX XXXX DID ADVISED ME OF, I was told that they are suppose to tell you about any accident which they did n't, I understand car are sold as is however they must tell you about the accident, now I understand the frond end problems this care is giving me, and why I cant get at ast a good trade in on this care, I DONT FEEL I SHOULD PAY ANOTHER DIME ON THE DAMAGE CAR, AND XXXX XXXX SHOULD SEND American credit acceptance the balance .XXXX XXXX XXXX XXXX-vin XXXX.
I tried to get my credit reports at XXXX on XXXX XXXX, 2017. When I tried to get my XXXX report, it said that there was some problem at this time that prevented delivery. When I tried to get my XXXX report it says that they refuse to deliver it online and that I have to mail in the form supplemented with two photocopied identity documents. When I tried to get my TransUnion report, it claims it failed to verify my identity because not enough information was supplied, but I filled in every field in the online form. The website is basically useless.