WillisBack/dataset-financial-user-claim huggingface dataset:
I work for a Company that does business with XXXX XXXX XXXX XXXX. XXXX provides SPIFF 's as bonuses to the sales people. Money Network is the provider that XXXX uses to distribute these bonuses. In XXXX of this year I received XXXX debit cards from Money Network and I activated them on-line. On XX/XX/XXXX XXXX made a deposit of {$75.00} into XXXX of my cards as a XXXX bonus. XX/XX/XXXX I attempted to access my bonus funds and had the card declined. I called Money Network and was told that I had to fax a copy of my social security card, drivers license and passport to verify my account. I did not want to do this and sent a request to have XXXX help me and was told by them that I had to deal with Money Network. XXXX would not help or change their policy to send bonuses to an account of my choosing. I called Money Network again and had to fax the documents to them. About a XXXX later, I called Money Network and was told the accounts were still locked because now they needed proof of my physical address. I faxed them a copy of my last propane bill on or around the XXXX of XXXX. I called them back around the XXXX and they stated that they had not received it and I needed to fax it again. I faxed it again on the XXXX of XXXX and called back on the XXXX, still they had not received the second fax. I asked if I could get an e-mail address to send it and they refused. I asked for a supervisor and was given an e-mail address and sent the bill on the XXXX of XXXX. I called today and my accounts are still locked because the bill is now older than XXXX days. It was dated XXXX XXXX the date of my last delivery and now unacceptable. When this all started it was well within XXXX days and by all accounts is only just over by XXXX days now. I wo n't be getting a propane delivery again until fall. I think I have been more than patient in attempting to access funds that are unquestionably mine. I need to have help in convincing Money Network to unlock my XXXX cards and allow me access to these funds before they start charging monthly maintenance fees. Thank You!!
XXXX XXXX XXXX ( XXXX ) - I contacted XXXX XXXX XXXXXXXX on XX/XX/XXXX to discuss a possible settlement offer on the outstanding balance of {$2200.00}. After several conversations during the day we arrived at a settlement of {$1200.00} payable at the time of the conversation. The account rep took my credit card payment over the phone as well as mailed a letter stating the account was paid in full. XXXX proceeded to report the payment to the credit bureaus but failed to report the account was paid in full and no further payment is due as a result of a settlement. 

Once I reviewed my credit report and noticed the information was incorrect I disputed the balance due with the credit bureaus on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) as XXXX continued to provide incorrect information. As it stands today XXXX shows an amount due of {$1000.00} and Transunion shows an amount due of {$2200.00}, although both credit reporting agencies were provided with the attached documentation advising the matter in collections was resolved via a settlement on XX/XX/XXXX. 

I am requesting your assistance with getting this matter resolved to reflect the correct information on my credit report.
I had contacted Preferred Credit multiple times to resolve the issue of my debt and paid off the amount that they said I owed. The last statement that was given to me was invalid along with repeat phone calls from company stating that I owe them more then what I have already paid to them in full. 

The company continuously kept calling me 4-7 times a day unlimited with no detailed message or a appropriate phone voicemail. I repeatly had asked them to provide me with the correct amount that needed to be paid but all they keep on doing is trying to argue with me and make matters worse. I asked them to cancel the card on file that should of been cancelled 3 years ago but nothing. Everyday I been getting phone calls from different people stating that I owe more then what I was told. When trying to settle the problem the company customer service or representative starts to make assumptions and argue with me.
On XX/XX/XXXX I mailed out disputes to transunion, XXXX and XXXX in reference to inquiries that showed up on my credit report. I asked each credit bureau to provide proof of these inquiries in writing. The response I received XX/XX/XXXX was a generic letter telling me to contact the creditor from XXXX, transunion removed two inquires but nothing else on the others, XXXX sent me a copy of my credit report. Stating that if you look at the bottom of this page if the items you contacted us about do n't appear this means these items are no longer effecting your report or our investigation was able to confirm the item.
On XXXX a charge of XXXX was charged to my account from a XXXX XXXX store in California I was in Texas, the state in which I reside in, When I noticed the charge on my account I filed a dispute with First Progress. The company rejected the dispute and would not give any explanation of how they came to the decision or provide any documentation on how they came to the decision.
XXXX XXXX XXXX is a collection agency that has been paid. I have tried disputing their account multiple times due to their illegal and inaccurate reporting, yet it remains. This collection company is reporting this account as open, though it 's been paid for numerous years. They have it listed under installment accounts as though it was a cc though I never had a CC agreement with them, it was with GE Capital, the company they bought the debt from. They list a high credit amount as though they 're a CC instead of a collection agency. They list dates of serious delinquency like a CC. All tactics that as a collection company they are not allowed to use and if I remember correctly, they have had lawsuits filed against them in the past for these same illegal tactics to extend the damage they can do to consumers with regards to their credit long after the debt has been paid.
I transferred my loans to XXXX XXXX over a year ago. They still haven't processed my paperwork correctly. They continue to tell me there will be a wait of up to six additional months to assess my account and paperwork.
My wife had XXXX a while back, insurance approved it so she had the XXXX, then thay denied it. She did finally get the insurance company to pay the bill. Now the collection agency is wanting us to pay {$5000.00} in interest for the XXXX! This is not right, why should we be responsible for interest when then isurance company agreed to pay for it. The collector is credit collections bureau, and we already paid {$9000.00} in a garnishment previously to getting the insurance company to pay!
On XX/XX/XXXX I called XXXX XXXX to get assistance for my XX/XX/XXXX payment for my mortgage loan. I spoke to XXXX XXXX a Home Preservation Specialist with XXXX XXXX. I told her my payment was due and that I was out of work for a month due to a full XXXX XXXX. 
XXXX XXXX then said she for sure was able to assist me gave me two different options and one of the options was to commit to a payment arrangement. The payment arrangement consists of splitting the month of XXXX regular payment of {$1600.00} in two payments. First payment in a half of {$2500.00} would be paid on XX/XX/XXXX and the second payment would be paid on XX/XX/XXXX for the same amount of {$2500.00}. I asked the representative if this would affect my credit and she replied no because they would help me get on track. I felt in great relief with the assistance. 
My daughter XXXX XXXX is the cosigners to the loan. My daughter is a XXXX  XXXX for the City of XXXX CA. In the month XXXX I received a call from my daughter the cosigner of the loan told me how upset she was feeling and asking me why I was late for three months on the mortgage payment she stated her credit score dropped about 80 points.  At this point her credit was ruined her and possibly not able to purchase another home for her family since she is soon to get married. 
I have contacted XXXX XXXX several times and have gotten the run around. I spoke to a representative and she was rude just continued to say I was late and would not listen to my concerns and facts. On XX/XX/XXXX I contacted the XXXX XXXX in the external department and asked him to please pull the calls and prove that XXXX XXXX gave me false and misleading information about credit reporting. XXXX XXXX has proof of payment plan letter and payments made to them on time per the payment arrangement letter from XXXX XXXX. I have also contacted XXXX  and Transunion and downloaded proof of the payment arrangement from XXXX XXXX and a copy of my bank statement from XXXX  XXXX XXXX showing proof that it had been paid on time. 
My daughter and my financial future are in Jeopardy. We are not at peace and all we did is trust our mortgage lender.
I am fortunate enough to have enough money that I never need to carry a credit card balance and pay interest, so I have instructed BofA via automatic bill payment software on-line to pay the full amount due from my checking account to my credit card. I was surprised when I checked my account last night and saw that the XXXX XXXX payment was actually not in full, but instead was only the minimum amount due. At first I thought I must have been mistaken - maybe I had not set the payment to be the total amount due, but I was pretty sure I had done so. When I called to inquire, I was informed by a representative that my payment instructions had " been adjusted on the back end '' because I had disputed a transaction. In other words, BofA software automatically altered my payment instructions. Their rational is that this protects me from making a payment that I should not have to. I pointed out that the result of their action was they were charging me interest on a credit card balance that should not have occurred. They were apologetic and reversed the finance charges after an hour on the phone, and conversations with XXXX representatives ( bank, bill payments, credit card ). They were aware that this 'feature ' in their software was causing " some issues '' with customers. On further research, I learned that the bill payment software had " adjusted on the back end '' my payment instructions 4 times in the last 5 months, resulting in finance charges each time. At no time did they inform me they had done this. Thinking back on it, I thought each time that I must have messed up some how and shrugged and went and paid the finance charges. But think about it : there are probably hundreds of thousands, if not millions, of people just like me who thought they instructed the bank to pay their credit card balances in full, only to have the bank " adjust the payment on the back end '' WITHOUT INFORMING THE CLIENT, resulting in a finance charges in favor of the bank. They know this is happening, they know it is upsetting some clients, but they do not inform the clients of the adjustment or offer to repay the finance charges unless the clients call in and argue about it. BofA is probably netting millions or tens of millions a year in ill-gotten finance charges as a result.
Barclaycard without warning decreased my credit line by {$4000.00} thereby negatively impacting my credit score. The action was done without regard to my income and ability to repay. The action was arbitrary and capricious. They did not communicate with me in advance They did not identify if there were areas of concern. They did not ask for documentation of my income. They just sent a letter reducing my credit limit from {$5000.00} to {$1000.00}. My balance was less than {$500.00} a significant portion of which was on 0 % interest promotion. I assume because I did not " make them more money. '' They saw fit to ruin the relationship I had with them.
We have a mortgage with XXXXXXXX XXXX through XXXX XXXX in Texas. One year ago XX/XX/XXXX Hurricane Harvey hit our area and we were approached by XXXXXXXX XXXX regarding a Forbearance Plan that would defer our payments for 3 months. We agreed to participate in the Forbearance Plan offered by our mortgage company. The date of the plan were from XX/XX/XXXX until XX/XX/XXXX and payments were to resume on XX/XX/XXXX. We started payment as per the agreement in XX/XX/XXXX. In addition, The forbearance letter clearly states that XXXXXXXX XXXX will not report the delinquency states or the entry into a Forbearance Plan to credit reporting agencies. At the end of the Forbearance we were told that the payment for XX/XX/XXXX really went to pay XX/XX/XXXX and then XX/XX/XXXX was to pay XX/XX/XXXX. 

We decided that we would just rather pay the full three months so we would not re-negotiate the loan as XXXXXXXX XXXX was requesting. We caught up the payments and made regular monthly payments. We also send them a check that they never cashed after 30 days and our bank advised we should cancel the check for our protection. Per XXXXXXXX XXXX the check was later found in a lock box that XXXXXXXX XXXX failed to check their own mail for 30 days. We feel XXXX XXXXk has failed to properly service our loan and duped us into the current situation. In short, setting us up for failure. 

We have documentation in our Loan Payment History from XXXX and will share with your company. Despite our efforts to abide and pay our mortgage, XXXXXXXX XXXX has reported me with a 60 day delinquency on my credit report. I have sent a request for XXXXXXXX XXXX to fix the 60 day delinquency problem and submitted my credit report to them as they requested. I have been waiting for over 20 days to have this issue resolved. I have also reported the error to three credit bureaus and made an official online dispute. I feel that XXXX XXXX  has failed me and my family in the servicing of our mortgage loan. In addition, feel they are also taking advantage of customers who signed up for the Forbearance Plan. We are currently tying to purchase another home and the loan department told me about the delinquency. We were never informed by XXXX XXXX that were were being reported to a credit agency.
I am uploading a letter I received from Experian credit reporting agency. They are refusing to re-investigate a few items that do not belong on my credit report. The first account is XXXX XXXX XXXX There are fraudulent items on this account and Ive disputed it many times. Now they want additional information which I do not have because its been years ago. I did file a police report when this happened and submitted it to all 3 credit reporting agencies. I contacted the police department for a foil copy but was told because its been so many years they do not keep these records after so long. XXXX XXXX XXXX XXXX has been paid and satisfied. I do not owe over {$6000.00} dollars I had multiple loans with them which were combined and refinanced and they total balance was paid in full. I do not understand because XXXX has corrected these items and received confirmation to delete off my report but Experian is not allowing me to redispute which is completely wrong because it is false information reporting and is causing a hardship in obtaining substantial credit. And to say they will not redispute this information is not right. My credit worthiness is extremely important to me. I wish to complain about this and considering starting a class action lawsuit.
This account was opened through fraudulent means, my personal information was use without my consent to open and establish credit. Approximately XXXX years ago when I was applying for a home loan I discovered this account with XXXX had been opened in my name without my permission to someone claiming to be me at an address I have never resided. I reported it to the credit reporting agencies, XXXX, XXXX and XXXX the negative information was removed for a couple of years only to reappear. Since this first incidence another account wit XXXX appeared on my credit report and I received a letter from the collect agency handling the account, I telephoned that company and explain this was a fraudulent account use my information with an address where i have never resided and was told I would receive no further attempts from them and the matter was resolved.
I have a collection being listed in my consumer credit file under National Credit Systems, for a rental which was paid and not accurate. I have tried repeatedly to get the matter documented and they don't comply yet the bureau will not remove or take my dispute serious. The company has not provided documentation to me nor conducted an investigation in compliance with applicable laws on reporting. I have been struggling just to get them to actually look into this.
My escrow check was applied to my mortgage balance in error. Wells Fargo raised my payment amount by almost {$200.00}. I received a notice in the mail and it post marked XX/XX/2017 stating that my payment would increase on XX/XX/XXXX. I called to try to resolve this over the phone and was told it could take up to 30 days. They refused to admit error even though they know my payment is pulled bi-weekly and the check I mailed in ref escrow was the only check I mailed in the last 3 years.
I sent bitcoin  to this account which they closed out. I have emailed them for my money back. I have emailed them in the past with zero response due to the account. 1000s of  complaints online for this company not replying to their customers. 

Coinbase company Transaction : XXXX StatusCompleted ConfirmationsXXXX Address XXXX XXXX   XXXX DateXX/XX/2018 XXXX I want my currency returned back to me. It is valued at over 4500 $!
On XX/XX/XXXX My wife and I entered into a Debt Relief program with XXXX XXXX XXXX ( XXXX -XX/XX/XXXXXXXX  XXXX XXXX ). We had six credit card that we could no longer pay. XXXXXXXX XXXX XXXX ( XXXX XXXX - Agent for XXXX XXXX ) was one of the debts. They eventually sold the debt to XXXX XXXX XXXX XXXX for pennies on the dollar. All the while I had XXXX negotiate all six accounts. 5 of the debts were negotiated and settled at a fraction of the debt. For whatever reason Portfolio Recovery didn't want to settle the account for less than 80 % +. Original debt was somewhere around XXXX but Portfolio Recovery has it at XXXX. I had a relative that was trying to help us get out of debt and offered a 1 time amount of XXXX to settle the account but was turned down. I asked repeatedly from XX/XX/XXXX thru XX/XX/XXXX thru XXXX to reach a settlement with those funds but they wouldn't accept. Finally I withdrew from XXXX. Portfolio Recovery took up the collection battle starting in late XXXX of this year. Since my wife doesn't work and my income has been very little the last few years ( XXXX  XXXX XXXX XXXX ) we do not have the money to pay this debt. We tried but they wouldn't negotiate in good faith.
They called my work today XXXX/XXXX/18 around XXXX PST and asked to talk to my supervisor regarding enforcing a contract I agreed to. There is no wage assignment or court. They are not allowed to talk to my supervisor regarding my debt and the message for my supervisor that they were trying to enforce a contract on me was clear it was a debt collector. The call back number is XXXX XXXX XXXX. This is humiliating for my supervisor to know I have an unpaid debt and they even asked about the owners of the company. I have told them in previous calls I can not talk at work call my cell phone.
Agency called about a debt that was discharged over a year ago in a chapter XXXX bankruptcy. My attorney was also contacted previously regarding collection efforts with this debt when another agency tried to do the same thing. This debt is no longer owed.
AWA collections has been reporting inaccurate information for the past two years to all three credit bureau 's. I've sent numerous certified letters over the past year requesting they send documentation regarding this account so that I can verify it's contents. They have ignored my requests yet continued to report inaccurate information which has resulted in a lower credit rating as well as a denial of a mortgage application. They also continue to harass my family members and co-worker 's regarding this alleged debt.
Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3XXXX 4.XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XXXX.
7.XXXX  8.XXXX XXXX XXXX XXXX 9.XXXX XXXX  10.XXXX XXXX 11.XXXX XXXX 12.XXXX 13XXXXXXXX XXXX 14XXXX 15.XXXX XXXX
I am always on top of my payments so you can imagine how shocked I was while reviewing my credit report and saw a 30 late payment on it. I have no idea how this could have happened. Whenever the statements come, I make sure to pay them right away. My only thought is that the statement never got to me.
Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX contacted my wife about a debt I owe. During this contact, they discussed specific details of my debt with my wife. It is my understanding that this communication is a direct violation of the FDCPA. 
" 15 USC 1692c 805. Communication in connection with debt collection ( b ) Communication with third parties '' Simple research on the internet will show that this company has a history of violating the FDCPA, including multiple class actions.
On XX/XX/XXXX, I opened a Weekends Only credit card provided through Wells Fargo Financial National Bank to receive no interest if paid in full with payments. The promotion was set to expire on XX/XX/XXXX. On XX/XX/XXXX, I scheduled a payment to process on XX/XX/XXXX for {$680.00}. This was to pay off the balance and avoid the deferred interest. On XX/XX/XXXX, only {$40.00}, the minimum payment, was posted to my account. On XX/XX/XXXX, {$320.00} was charged to my account as deferred interest. On XX/XX/XXXX, I contacted Wells Fargo Financial National Bank regarding the incorrect payment being applied on XX/XX/XXXX that was different from what I had requested. Wells Fargo Financial National Bank informed me that the terms of the promotion were not met, so they could not do anything about it. I stated that I wanted to pay the balance immediately, as I had requested previously, and have the interest taken off my account. I was informed they would not remove the interest, even if the error was their fault. They provided no solution and repeatedly informed me that they would not do anything to correct the issue.
Experian is ignoring my requests to investigate and remove accounts from my credit report that do not belong to me.
On  XXXX / XXXX / XXXX  I disputed an item on my  XXXX  report with  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I received a response from  XXXX   XXXX  which did not include verification of my signature. They failed to validate the debt.  XXXX   XXXX  did not notify  XXXX  that I disputed the information as per FDCRA. I sent another letter on  XXXX / XXXX / XXXX . I did not receive a response from  XXXX   XXXX  at all. On  XXXX   XXXX ,  XXXX , I sent a dispute letter to  XXXX .  XXXX  did not verify the debt with my signature as required by law. In addition, information was added to my report from  XXXX   XXXX  through  XXXX   XXXX  that is inaccurate. On  XXXX / XXXX / XXXX , I sent a second letter disputing the incorrect information.  XXXX  responded back that they would not reinvestigate as required by law. The information being reported on my credit report by   XXXX    is inaccurate and must be deleted. I have been denied credit as a result of these inaccuracies.