WillisBack/dataset-financial-user-claim huggingface dataset:
EST contact was around XX/XX/2018, I would be short on money. I had mad arrangements for Huntington Bank to take 3 payment directly out of my checking account, for 3 months. It was from opening a bank account, and I had not put money into the account. So they fined me XXXX Now today I get a letter from a collection agency XXXX XXXX XXXX a collection company. I'm trying to fix my credit due to another company 's negligence, now I've paid this bank and their trying to collect again, worse yet reported to a collection agency further ruining my credit. I want it removed, since their trying to FRAUDULENTLY SCAM ME AND REPORT TO A CREDIT COLLECTION AGENCY, I WANT MONEY TO COMPENSATE THIS DISTRESS, AND I WANT TO PRESS CHARGES ON HUNTINGTON BANK FOR FRAUDULENTLY TRYING TO COLLECT AGAIN WITHOUT PRIOR NOTIFICATION, AND REPORTING THIS TO A COLLECTION AGENCY. HOW DARE THEM. 

Credit Services
XXXX I call XXXX for Tech support because I was having problems accessing emails the tech support who said he was XXXX said needed access to my computer and after 4 hours said I needed updates and would cost {$9.00} to XXXX billing so I gave them my credit card # that XXXX has on file XXXX I was notified by Western union of a charge for {$900.00} I called XXXX again said they have no record of my call to them on XXXX Only XXXX when I call them again because problem not fixed - they ended up fixing problem XXXX I call my credit co. who cancelled this card and sending new card Also credit card co said some other charge of {$320.00} for XXXX no sure what XXXX I called XXXX told of the problem that some how someone can access your tech support system - they said look into it
I have tried to obtain a copy of my free annual credit report. Equifax is refusing to send me a copy. I ordered it 6 month ago and have not received it.
Hello I have a fraud alert thats been on my credit with instructions to not allow anyone to pull my credit on the fact Ive been saving for a home. Ive seen a crazy influx of credit inquiries recently on my credit report. Ive gone through this before and now its happening again Almost all XXXX car inquiries how can they do this to me when i made sure that no one would be able to obtain credit in my name again or so I thought. How Can this happen and it looks like multiple credit app same company i want justice ... seems as few month they letting someone apply for credit and sad part we just we through this last year XXXX XXXX XXXXY XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALSO IVE REQUESTED THAT I HAVE THE AUTHORIZED USER ACCOUNTS REMOVED TO NO AVAIL IVE BEEN TERMINATED OFF THESE ACCTS XXXX {$4400.00}
I was 3 months late on payments, I have a installment loan with my car title securing the note
XXXX XXXX is reporting account number XXXX twice as a charge off account to Equifax. On page 23 of the Equifax report dated XX/XX/XXXX it shows account number XXXX, last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off in XX/XX/XXXX with a balance due of {$3300.00}. On page 25 of the Equifax report dated XX/XX/XXXX it shows the same account number XXXX last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off / Sold or Transferred in XX/XX/XXXX with a balance due of {$0.00} NOTE : Page 23 has account number XXXX as being open on XX/XX/XXXX ; Page 25 shows the same account number XXXX as being open 9 days later on XX/XX/XXXX I have contact XXXX XXXX Via Phone on XX/XX/XXXX and on XX/XX/XXXX I have sent them every document they have requested, in both conversations I requested that one of the entries be removed because both entries have the same account number and they are causing double the points to be removed from my credit score, XXXX XXXX has refused
I have been trying to get FMS to work with me to help me repay a loan which I believed was still with my original lender, XXXX XXXX, on deferment but to no avail. Finally, the head of the call center, XXXX XXXX, agreed to set me up on a payment plan of {$5.00} per month if I would send a signed letter to them confirming I have XXXX people living in my household. I let him know I would not be filing taxes for the fourth person as a dependent, but he assured me my signed letter would be enough, and I would have no further issues with a payment plan. I went to make a payment of {$50.00} like I have been the last few months and was informed my minimum payment was {$83.00} a month because I have XXXX people living at my house. I was already assured by XXXX I was approved for {$5.00} per month. Now I am being told otherwise. I keep trying to reach XXXX to fix it, but he seems to be avoiding my calls. I am afraid they will start threatening me with litigation or wage garnishment even though I did everything they asked. Please help.
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to XXXX XXXX   XXXX/XXXX  XXXX which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX XXXX/XXXX  XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX   XXXX/XXXX XXXX. XXXX  XXXX XXXX/XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
My Personal information is wrong - My complete name is XXXX XXXX XXXX XXXX - DOB XXXX The problem is that Equifax consistently mixes the name of my Son XXXX XXXX XXXX XXXX. - I tried to go into their web site and correct the information however the site is not user friendly - They also ask you to submit information related to your personal data- However when you try to submit the information the site only allows for a very small data file. Thus not allowing to complete the upload - see driver license below - They have to many inquiries that are not related to me - instead some of those are related to my son. 

It is hard for him and for me to keep our credit reports accurate. 

Please have then removed the inquiries that are not mine and make my file accurate. Thank you
Experian will not re-investigate my disputes even after sending them new information. They continue to report items on my credit reports that are inaccurate and must be removed. These items has already been removed from XXXX and XXXX after sending each credit reporting agency the exact same information. This shows me that Experian did not do a full investigation and continue to report this inaacurate information on my credit report.
I filed complaint XXXX with CFPB and XXXX  Case # XXXX about the inaccurate derogatory information on my credit file. My credit file still shows charges and invalid payment dates that contradict my credit file. The balance and amount are not correct and the charges are inaccurate. About a month ago I filed a ftc identify theft report because some of the charges on this account, I have no knowledge of. The company could not tell me where these charges came from. I attempted to reach out to the company to get this corrected, but it still remains on my credit file. I am not sure how the additional charges got on my account, I also created a police report in order to dispute this information on my credit file. By law if there are fraudulent charges the company reporting the fraudulent charges have to remove this information due to my sworn affidavit and police report. But this company is still reporting this inaccurate information on my credit file. I am appalled that I had to go this far to clear my name when I have contacted this company numerous times. My credit file is all I have to represent my creditworthiness. This invalid information is damaging my creditworthiness and is against the law. After multiple avenues to get this fixed this is my last option without taking legal action. 

Once again, please remove this invalid derogatory information from my credit file, per FTC affidavit and attached police report to avoid further escalation of this issue and breach of FCRA and FTC regulations.
In the month of XX/XX/2018 I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32pts. I emailed XXXX XXXX right away when I first saw my credit score had dropped.XXXX XXXX and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus TransUnion, XXXX   and I visited XXXX still no one can tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at dose not apply to me. One factor was incorrect they said I have only had credit for 2yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment on my credit report.
I owed money to XXXX XXXX XXXX and XXXX XXXX XXXX sent the past due account to CBE Group for collection. 

I settled the XXXX XXXX XXXX debt with CBE Group on XXXX XXXX, 2015 for {$150.00} and I have a receipt to that effect. 

At the time I made the payment CBE Group promised me that they would promptly clear the debt with the credit bureaus, but they did not. 

On XXXX XXXX, 2015, I was buying a car, and I was told by the manager at the automobile dealership that my credit report showed I have an unpaid debt to XXXX XXXX XXXX. 

The outstanding debt on my credit report is the debt I settled with CBE Group in XXXX 2015. 

The following day, XXXX XXXX, 2015, I telephoned CBE Group and asked them to promptly resolve the reporting issue with the credit bureaus and to provide me with a letter after they had done so. 

CBE Group said that they would " take care of it. " I asked how long it would take before I received the letter and I was told I would receive it within two weeks time. 

Today, XXXX XXXX, 2015, more than three weeks later, I still have not received the letter and so I again called CBE Group and again I was told that they would " take care of it. " When I pressed the issue why they had n't taken care of it in XXXX, or within the last three weeks, I was then told that the letter has already now been sent via email. 

When I asked why I have n't received the email their answer was that I would be receiving it in 24-48 hours, but we all know email is sent and received in an instant, and I do not accept CBE Group 's answer that the letter was already sent but I wo n't be receiving it for another 24-48 hours. 

It is an insult to my intelligence. 

I no longer trust CBE Group because they did not do the necessary reporting to the credit bureaus in XXXX, nor did they do it within the last three weeks, and I do not believe they will ever do it without government oversight. 

I feel like CBE Group stole my money because they did not do what they are obligated to do, which is report that a debt has been paid when it has been paid.
I am sending ANOTHER complaint. This is in response to complaint number  XXXX  that was closed. They have again called me at the main number at my work.  XXXX  from  American Express is the representatives name. They said they had tried to contact me on my mobile  but they had only called me at  XXXX   XXXX  today. ... .And then they immediately called me at work right after that. In the complaint from a month ago, they said they would not contact me at work and considered the matter closed. I am paying them  XXXX /month. When are they going to actually be held to the standards of the law?! He acted like once again he did n't know about not calling at work but when I mentioned the complain he was suddenly very accommodating. This is my THIRD request to them to remove my work number! I never even authorized my work number to be called t begin with. Both of my parents died and I am trying to manage a lot of bills right now while politely working and paying all of them.
XXXX XXXX listed multiple 30 day late payments on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian, XXXX, and XXXX. Please remove the 30 day late payments from my credit reports.
I asked a credit card company for copies of my application and they were unable to provide them I presented this to Experian and asked that they remove the inaccurate information or at least request proof from the creditor They stated that they are not required to request proof and they do not require that the creditor submit proof that there word is all they need
The company XXXX XXXX is reporting on my credit report with a debt owed. 

I never had a contract or business with this company. I tried to dispute and the credit agencies are saying that the account was verified by the creditor but provided no documentation or proof. 

My next step is to start ligitation against XXXX, transunion and XXXX.
On XX/XX/2018, I retrieved a copy of my credit report and immediately noted that Collection Bureau of America had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to do so that would have granted me 30 days as required by law to dispute the validity of the alleged debt. To that end, on XX/XX/2018, I communicated in writing ( see attached ), my dispute to this company. It is wholly against the law for a company to insert an entry on my credit report without giving me the opportunity dispute the allegation. 

Collection Bureau of America, responded to my dispute in their letter dated XX/XX/2018 ( see attached ). They explicitly acknowledged that they were in receipt of my letter of dispute and request for verification. As such, being in receipt and providing the requested documentation was to no avail. Collection Bureau did not provide any documentation that bore my original signature nor did they provide or furnish an agreement reflecting their authority to collect on this alleged debt in the state of Texas. They did not provide a complete accounting ledger of the alleged debt nor did they provide the name and address of the bonding agent in case legal action becomes necessary. 

Collection Bureau of America ( CBA ) blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates to provide me notification prior to inserting it on my credit report and ( 2 ) failing to  cease collection efforts and reporting when they received the letter of dispute. 

This entry should be deleted from my credit report immediately and CBA should remunerate me for the violations.
I closed my account with Chase Credit Cards on XXXX XXXX 2016. I spoke with a representative by the name of XXXX and asked her to mail me a letter verifying that I requested this close. I also asked her to make sure it was " frozen '' in a state on no interest until I paid the balance in full. She confirmed this. In XXXX I made a regular payment then on XXXX XXXX I called in to pay my balance in full. I was upset that they never sent me a letter and logged the closure as their doing thus effecting my credit score. However, I asked the representative to give my my balance in its entirety. I paid this over the phone via my checking account. Verified again that it was paid in full and closed and was told YES. Three days later I received a bill in the mail for {$10.00} INTEREST charge!!!! I called in on XXXX XXXX 2016 and spoke with a manager who said they could do nothing ... it was interest and the representative is not responsible to calculate this when I am asking to PAY MY BALANCE in FULL immediately????? I do not feel this is proper business practice and feel they need to eat that interest since it was my request from XXXX to close and freeze the account!!
I ' XXXX XXXX XXXX in Statement Say.. I am a Victim of Identity Theft. 

Explaining and Stating ' that Identity Theft Victims have additional Rights ' as States ', Local Consumer Protection Agencies, as well as ' the State Attorney Generals Office may enforce ' their own State Laws ' and Federal Rights Laws ' of Consumer Reporting. 

Compliant ' In ' the Request for the Removal of Background Information upon ' XXXX XXXX XXXX  Investigation of Inaccurate Information of Identity Theft since ' XX/XX/XXXX. 

Type of Problem ' as the CFPB brought Data Issues of concerns of Identity Theft for Investigation to my attention in XXXX. 

What Happened ' was Cause for an FTC Affidavit that was submitted to a number of Speciality Reporting Agencies regarding the Inaccurate Information in the continuing concerns of ( ID Theft ) since ' XX/XX/XXXX. 

What Company ' XXXX XXXX XXXX XXXX ( Phased-Out ) Who is Involved ' XXXX XXXX
We get calls from XXXX to XXXX each day, repeatedly throughout the day, from Macy 's XXXX. They call from two different numbers, XXXX and XXXX. I usually ignore the calls but finally answered the phone one day.They claimed that I have an outstanding balance on a credit card. This was an extremely false accusation, as I explained this to the individual on the line. I was not going to give them any information related to a credit card to pay off the supposed debt. I asked that our phone number be removed from their calling list, as we are on the Do Not Call List. I also made the statement, " Operator this is the phone call. '' ( but obviously this statement does not work ), since then they seem to be calling more than before. I would like to know what can be done for these calls to stop as they are harassing and disturbing.
Our mortgage company refused to cancel the PMI even though we are less than XXXX % loan to value, according to a recent appraisal that the bank itself commissioned.
I sent a letter asking for debt verification and to be placed on the do not call list. I received a letter today but not with the indormation I requested.
My company offers an XXXX through Wells Fargo Bank. During Spring 2016 I had a medical bill I needed to pay and went to transfer some of my XXXX money to my XXXX checking account. At that time, I was told I could only transfer my XXXX money to a Wells Fargo account and thus had to open a checking account with them and had to buy checks. The checking account requires a {$1500.00} daily balance to avoid fees. I 've asked the XXXX team why I ca n't transfer to my other account and have been told it 's " because our system does n't allow for that. '' I do n't need to have a Wells Fargo checking account, as I have one I use on a regular basis already. I 've asked the retail banking team to have the monthly fees waived and they 've said no because I did n't maintain the daily balance. So now I have had to tie up {$1500.00} in a checking account I do n't want or really need, money that I 've put aside for medical bills due to XXXX and XXXX. I feel they 're keeping my money hostage and no one is taking responsibility for addressing an issue that does n't sound fair. Can you help?
Equifax is currently reporting XXXX closed student loans on my credit file from US DEPARTMENT OF EDUCATION. Both loans are older than 7 years and are still reporting on my credit file. The accounts were paid and closed XX/XX/XXXX. I looked at my credit report today and at the payment history and Equifax is reporting the loans as CA ( Collection Account ) for XX/XX/XXXX and XX/XX/XXXX - the account was paid and closed in XX/XX/XXXX so how is it being reported as collection account in XX/XX/XXXX? 
i also noticed that i was reported as 120 days past due for XX/XX/XXXX and XX/XX/XXXX! These accounts were paid and closed in XX/XX/XXXX! How are you reporting current data on a closed account that has been closed for 3 years!
I have a mortgage with XXXX services since XXXX my principle has n't decreased yet.I have been in the XXXX keep my home program since XXXX they paid all of my late fees and got me caught up so now XXXX has turned my mortgage over to select portfolio servicing inc.I have never heard of them before however they sent me new statements with a new and higher loan amounts I did modification twice I believe but XXXX keep my home paid all outstanding fees but select portfolio have added it back in.I called them but no luck that 's not right.I have a 30yr mortgage and this is year XXXX and I 'm still paying interest only I do n't know if XXXX is XXXX or household financial.this is predatory lending.
Equifax shows a collection my account with no information on who original debtor is all it shows is {$160.00} collection account this is my 3rd request and NO response this is obviously fraudulent and my SS # has been stolen
On XX/XX/2018 I initiated a chat session within XXXX after logging into my account. I explained that there was a property tax discrepancy on the latest tax bill XXXX sent me to pay on XX/XX/2018 and {$120.00} was not my responsibility. There were two cars on the bill based on what my local tax office confirmed. After providing the detail the service rep instructed me to send a fax with all the details to the XXXX tax team that included an email from my tax office to XXXX confirming there were two cars on one bill, copy of the tax bill sent to XXXX, Tax office print outs showing VIN numbers of the two cars on the  same tax bill along with the amounts owed for each, copy of my monthly XXXX  bill showing total amount owed had the {$120.00} included. A fax was sent that day and I followed up on XX/XX/2018 via phone and spoke to XXXX who informed me that all requests can not be faxed but have to be emailed. On XX/XX/18 I emailed the XXXX XXXX team my documentation which included the fax cover letter explaining the property tax discrepancy and supporting documentation. Since XX/XX/XXXX I called customer service the following dates to get an update : XX/XX/XXXX : Spoke with XXXX ( no update ) XX/XX/18 : Spoke with XXXX ( no update and opened an official complaint # XXXX ) XX/XX/18 : Spoke with XXXX ( no updae ) XX/XX/18 : Spoke with XXXX ( stated no one has even looked at my complaint ) XX/XX/18 : Spoke with XXXX ( no update ) and stated that I need resolution since my lease is up the end of XXXX. 
XX/XX/18 : Spoke with XXXX from office of Consumer Practices ( he emailed tax office and said to follow up in a couple days ) XX/XX/18 : Spoke to XXXX form office of Consumer Practices and had no update. 

The payoff to purchase my car had an extra {$120.00} added to the payoff which is owed to me. I do not feel it is acceptable to have an escalated issue unresolved for 4 months when the documentation provided clearly explained the error.