WillisBack/dataset-financial-user-claim huggingface dataset:
Company has failed to provide proper notice of alleged debt prior to reporting the information to the credit bureaus. The company has intentionally changed the opening and delinquency dates of the alleged debt to cause maximum damage to my credit report. The company has also willfully inflated the amount due of the alleged debt. The company is reporting a debt that may ha ve been the result of unauthorized usage.     I am the CEO of an investment conglomerate and am in the process of an important merger. I need my credit report clear of inaccurate information in order to qualify for appropriate loans. The inaccuracies presented by the company are hindering my ability to earn a living. For every week the inaccurate information appears on my report costs me $  XXXX .     It is for these reasons I need to receive documentation to validate this debt.
I HAD A VISA CREDIT CARD FROM THIS BANK & THEY CHANGED IT TO MASTER CARD FEW MONTHS BACK. WHEN, I ACTIVATE MY NEW MASTER CARD, I WAS TOLD THAT I WOULD RECEIVE A BONUS OF {$75.00} AFTER MY FIRST.I DID MADE MY FIRST PURCHASE BUT NOTHING SO FAR. I MADE TRANSACTION EVERY MONTH AFTER THAT, BUT I DID NOT RECEIVED MY BONUS OF {$75.00}. THEIR CUSTOMER SERVICE WAS VERY BAD. THEY DID NOT CO OPERATE AT ALL.
Filed for a loan modification on XXXX XXXX, 2015. I called yesterday, XXXX/XXXX/2015 and explained we have n't received anything from Greentree. They stated they sent it to the lawyer that answered their complaint because it was the law. I needed to send them a letter stating I need them to send it to our mailing address
Entered into an agreement to pay $ XXXX/month with XXXX XXXX. Applied for home loan and waas notified that my payment was 120 days past due with XXXX, however, I have bank statements showing the automatic payments come out every month between the 21-23 day and I have not missed any payments. I called XXXX and was told that they were not sure why it showed late payments. I submitted a dispute via certified mail on XX/XX/2018. I have not heard back from them as of today, XX/XX/18. The account is showing that I owe over {$400.00}.
ABR Recovery Services LLC, Company 's Response To Whom It May Concern, we have not contacted XXXX XXXX via email nor made calls to him. It must be disregarded that we did not call to make threats about such legal actions that will be taken. XXXX XXXX charge off date is XXXX/XXXX/XXXX, meaning that the Statue of Limitation starts from that date on so it will exceed till XXXX which is the 5 year limit. If XXXX XXXX did pay this collection, if it may please be sent via email at XXXXXXXXXXXX or mail carrier to our office so we can verify this and proceed to take the next action. Thank You for your cooperation. 

In response to complaint XXXX. Charge off date is not the start date of statue of limitations, Statue start Date is from last payment made on account in XXXX XXXX.
Portfolio Recovery received credit card debt in my name following a divorce that I was disputing with the original credit grantor. I requested verification of the debt, which I did not receive after multiple requests. They advised me to email them on their secured server. To date, I 've received no response. They are also reporting to the credit bureaus that my account is is " Dispute After Resolution, '' which is not possible since nothing has been resolved or verified. Additionally, they are reporting a delinquency date of XX/XX/2015 - again, not possible since I have not agreed to the validity of this debt and made no such arrangements to pay. The original delinquency dates for these accounts was several years ago with the credit grantor, and thus my info is being falsely reported and it is negatively impacting my ability to secure a home mortgage. They are also reporting these accounts multiple times to my credit report, making it seem I am delinquent on more money than what is already in dispute.
XX/XX/XXXX Letter Credit Bureau XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus Experian, XXXX, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. 

INACCURATE : 1. XXXX, 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX EXPERIAN XXXX   XXXX  PLEASE REMOVE THE ERRORED ADDRESSES THAT ARE ON MY FILE.
I have sent this information to Equifax too many times to count they are out of time I do n't want an investigation opened I want this account removed as the letter states it not far that I must wait and wait and wait why they do nothing but call and give them my info SS # and address to verify I have an account I am request a final time the that this account with santandr is removed from my credit report they are giving my information away in order verify an account that should be removed I had a inde independent arbitrator on the phone the last time we talked Equifax in not doing things right or legal
I deposited a check at Navy Federal of {$2100.00} from XXXX on XXXX XXXX, 2016. On XXXX XXXX, 2016 Navy Federal released the funds for availability. On XXXX XXXX, 2016 Navy Federal adjusted the {$2100.00} resulting in my account being overdrawn, so I called them and they explained to me the check was not authorized by XXXX. I contact the check writer, XXXX XXXX XXXX XXXX, and they showed proof that the check was withdrawn from their XXXX account and they were never credited back. Navy Federal is stating that XXXX did n't authorize the transaction but XXXX is stating they released the funds and never received them back. My account is still not resolved several days later and I have n't been able to take care of an overdue car note because of this issue. Navy Federal needs proof from XXXX that the money was withdrawn from their account.
I am being harassed by Targets REDcard I had only XXXX charge on the card for aprox {$66.00} dollars around XXXX of last year thats when I realized it was a mistake to do business with Target. They said i was late so i owed them 35 dollars on my 66 purchase I paid the 66 and at the same time communicted to them through my credit account electronically to request that they remove the 35 dollar fee/fine/extortion as the cost of doing business with them, they apparently do n't check there e communications because i waited and waited for a reply and never got XXXX, XXXX they charged me 35 fee/fine/extortion again for not being a obedient XXXX so now they said i owed them 70 on my original purchase of 66 which i had paid, they finally reply to my e communication in XXXX asking me to call them. so i called them and i was told a supervisor would call me back which they never did but then i started getting robo calls from them but when you answered them they wouldnt connect. now by XXXX they added another 35 dollar fee/fine/extorion so now i owed {$100.00} on my original purchase of {$66.00} which i had paid in full months ago, they say they chancelled my card but they keep adding 35 dollars to it and apparently i also have to pay interest on their fees/fines/extortions. so a few days ago i called and talked to a team member who said they couldnt do anything now but they could have removed the original fee in the first month, they also claim not to have received any e communications from me even though i have the saved email resonse in my email account. now they have locked my credit account so i ca n't view my bill online??? totally disablied it but they now send me emails to log in??? I know now what the red target means
I sent a letter to Southwest Credit Systems and disputed the item with XXXX on XX/XX/2018. I advised both parties that I have know knowledge of this debt. I went on to explain that the bill with the original creditor had been paid in full almost 3 years ago with no additional contact with the company to advise otherwise. I requested verification of this debt from both parties and to date I have received nothing. I am right in the middle of purchasing a home and need this removed from my credit file ASAP.
I requested a credit line increase to {$2000.00} on XX/XX/2018 through American Express 's Online Credit Line Request System. I then got an email shortly after saying to call for the result of my request. I called after I read the email and was told that my request to increase my credit line to {$2000.00} was approved. I then started to make purchases on my card only to find out my credit line was {$1000.00}. I have made repeated calls to XXXX to find a resolution to their mistake. They keep running me through their phone maze, " disconnected calls '', gaslighting me into believing that conversation never happened and even having the audacity to try to explain to me how the remaining amount on my available credit is smaller than the purchase I'm trying to make. IE 2 is a bigger number than 1. I have the conversation on XX/XX/2018 recorded with their representative explicitly saying I am approved for a {$2000.00} credit line which I have attached to this ticket.
I am making formal complaint against XXXX and Equifax Credit Reporting. 
I have paid XXXX XXXX Bank in full and I requested for these Credit Reporting Agencies to delete XXXX XXXX Bank off my Credit Report and they have refused believing XXXX XXXX Bank that I still owe them {$260.00}. I owe XXXX XXXX Bank nothing. I was a good customer and paid my credit card bill in full every month and than XXXX XXXX Bank came up with a bogus Idea of Fraudulent Activity on my account and suspended the account untill I could prove the account was mine. XXXX XXXX Bank was n't making any money in interest on my account so therefore they want to get rid of my business. I want an investigation into Equifax and XXXX Reporting Agencies and also XXXX XXXX Bank.
On XXXX/XXXX/2016 United Student Aid Funds ran my credit without my permission. This is a permissible pull violation and a very serious one to my understanding under the FCRA/FDCPA. I want this item removed from my Credit Report within 24 hours or I will consider this willful non-compliance and I will file a lawsuit.
FromXX/XX/XXXX To XX/XX/XXXX I wasXX/XX/XXXX in XXXX XXXX XXXX California. All charges/purchases/withdrawals/activity on my debit cards and my credit cards. Including my Kohls credit card. I did n't make my first purchase untilXX/XX/XXXX I did not spend nor authorize Anyone to have control over my cards while I was in the XXXX XXXX XXXX
Why should loans be granted for students or paid back by students who attended classes they didn't want to in order to get a grade that they didn't want from a teacher who didn't have the time or ability to teach the student in the way that they succeeded most?
Name of the company - Ford Motor Credit Account # XXXX Reported six inaccurate 30 days late payments to the credit bureaus. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name of the company - XXXX XXXX Account # XXXX Reported four inaccurate 30 days late payments to the credit bureaus. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
I ordered my credit report from chex systems and I disputed the things that I did n't authorized and they sent me a letter back on XXXX/XXXX/2017 stating that everything in my report was correct. I am so sick of these credit report people telling you what 's right and what 's wrong. Please show me where I applied for credit, or gave someone written permission to run my credit. This is why I have a fraud alert on my credit report. These companies are not doing there job and it ; s sad that anyone has to keep calling or writing them for them to remove this. What person you know would let a company run there credit 10 times knowing that there not going to be approved. This makes no since. I want these company 's removed from my report. Or send me proof in writing that I aloud them to pull my credit on my behave. These companies claim to have ran my credit on behave of someone else. Which is not true and how can anyone else run your credit on behave of someone else. I would think that I would have to give permission to both companies if this is true. I also know that hen these so called companies ran my report they used the name XXXX XXXX like everyone else has been doing that is not my name. Thee only reason Chex systems has my correct name is because I sent them a copy of my license and social security card to update my information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/XXXX I received an alert notice from XXXX XXXX XXXX, an XXXX  company. They had received a report from Equifax regarding negative activity on my credit report ( attached ). It states that XXXX XXXX had reported my account with the as " Bad Debt '' and " Placed it for collection. '' On XX/XX/XXXX I  received an alert email from XXXX ( attached ) that my FICO rating had changed. My XXXX account details XXXX attached ) show that my credit score dropped 60 point on the XX/XX/XXXX and recommended I contact XXXX. 

I have contacted all three credit bureaus and filed disputed with Equifax and XXXX. XXXX referred me to Equifax as the reporting bureau. I will, however, re-attempt to file a dispute / notification with that agency. 

I dispute the negative impact of the " Bad Debt '' classification and the referral to a collection agency, XXXX XXXX, XXXX. I was never informed that such a step was being considered or given an opportunity to payoff my balance with XXXX XXXX, which I would have done. My credit reports ( XXXX 's is attached ) document an unblemished 81-month payment history. I also have routinely paid twice the minimum required monthly payment amount. My latest statement is attached, and I can provide two years of statements if needed.
1. On XX/XX/XXXX I was assessed a XXXX overdraft fee on one of my PNC accounts.

2. I had 100.00 on one of the other accounts to cover any transactions, plus based on my budget and expenses, I knew those XXXX would cover anything coming. I am enrolled on overdraft protection.

3. When I called PNC to ask as to why I was charged that fee, I was told that it was because balance on the account was XXXX. When I told representative about the account with the XXXX, she told me such account was not part of the overdraft protection.

4. Back in XX/XX/XXXX, a PNC employee by the name of XXXX XXXX assisted me with an issue and he opened a checkings account for me ; I'd asked him to ensure all of my 3 accounts were connected and part of the overdraft protection. At any point during such conversation did he told me that would have not been possible.
Everything was fine until they had an update. Update still going when they said it was only suppose to last 5 hours. U ca n't get into your account, ca n't get anyone on the phone or it hangs up on you, if you had a balance before the update the balance now shows XXXX, direct deposits are not going into the accounts either. They are not responding to emails. The only updates you see is on social media, they are not telling the customers themselves.
I recently had a hard pull from ACS Educational Services , Inc. on my credit report. I am not familiar with ACS Educational Services. I did recently apply for a Direct PLUS loan from XXXX, however I noticed ACS is not a Direct servicer. I tried to call ACS but they only accept calls from current customers, which the system stated I was not. I have filed with the Ombudsman at XXXX as well, but I wanted to file a report here because my grad school financial aid has never heard of ACS Educational Services , Inc. and was not able to verify if they were a Department of Education contractor or not. I am not sure if that hard pull is related to the Direct loan or not.
The information still been reported after disputing it is time barred and or not mine. Equifax
In an attempt to secure 24 months of payment history as I did not reaffirm the mortgage loan after a chapter XXXX bankruptcy that was discharged nearly four years ago, Wells Fargo did not notify me that I needed to request payment history in writing. I had to call back after 8 days to request again losing more time in the process.

Also, Wells Fargo has sold my loan to a servicing company ( another reason for requesting a history of loan payments ) and I was not give a 30-day notice. I received my letter today XX/XX/2018. The letter reads that my first payment to the servicing company will be on XX/XX/2018 -- a 15-day notice.
In XXXX Wells Fargo Mortgage commenced a foreclosure action. I tried to modify my loan in XXXX but was denied without explanation. After extensive litigation, I converted my request for a modification into a request for Short-Sale relief. On XX/XX/XXXX my Short-Sale package was fully submitted with a {$400000.00} value to offer supported by comps. Wells did not respond to my Short-Sale requests for over 2 months. I have also filed a Notice of Error complaint for wrongful denial of a Modification that Wells has not finished investigating. I sent a " bad faith '' email & fax to Wells and its attorney for failure to process my Modification and Short-Sale pursuant to the Servicing Standards under the National Mortgage Settlement. See, Notice of Error letter, Request for Adjournment of the XX/XX/XXXX Foreclosure Sale Date, & " Bad Faith '' Email.
XXXX- debt does not belong to me/ no contract- XXXX XXXX.- debt does not belong to me/no contract XXXX XXXX was removed and replaced back on my credit without a notice. The orignal was XXXX XXXX and the account does not belong to me XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX XXXX- debt does not belong to me XXXX XXXX XXXX- not my debt/ was removed from equifax and XXXX- 'XXXX  FOLLOW SUIT WITH REMOVE ASAP '
On XX/XX/2017 I wrote a check for {$45.00}. This check was cashed by the depositor on XX/XX/2017 and although I can assume this person only received {$45.00} when they cashed the check, my account was debited {$2000.00}. I have electronic confirmation of this debit amount. I am also able to access a copy of the check via online banking, and can see that check # XXXX has not been altered in any way, therefore feeding my assumption that the depositor only received the intended {$45.00}. When I noted this mistake on XX/XX/2017 I contacted the bank via the online banking portal in order to submit a claim against the transaction. I received an automated message in return, on the same day, confirming that my claim had been made. On XX/XX/2017 I also sent an email to a representative from my bank branch, asking her to assist with the matter. She replied on XX/XX/2017 to let me know that the claim was under investigation and that it could take up to 10 business days to resolve the matter. She told me that she would contact me on XX/XX/2017 to follow up. She did not ever send this follow up message. In between XX/XX/XXXX and XX/XX/2017, I also called the bank via the customer service number given in my online banking. Over the phone I was told by a bank representative that my claim was being investigated, that she could confirm the details of my complaint and see the incorrect transaction, and that the money would be returned to my account by XX/XX/2017. Yesterday, on XX/XX/2017, the money still had not been returned. I called this same customer service number given in my online banking. I was given similar information by this customer service representative -- that my claim was being investigated, they were not sure why it was taking longer than expected, that the details of my complaint could be confirmed and the incorrect transaction could also be confirmed. This customer service representative told me that they had no information regarding when the claim would be handled. I was told to keep calling back until it was handled. I was not given a deadline for when my money would be returned. I am now contacting your bureau in hopes that the bank will be forced to respond to and handle this claim/complaint. I want my {$2000.00} returned immediately.
On XXXX XXXX I checked my credit report on XXXX XXXX and had a total of XXXX hard credit inquires removed. In checking my report on XXXX all XXXX inquiries were placed back onto my account with out sending me a reinsertion letter required by the car section XXXX. I have been calling transition ever since and have received no help, my request to be transferred to an American representative or the fraud department, many of the representatives were very rude and condescending. Some even told me they know what happened and basically told me I should simply file a complaint because they will not fix it
My loan company ( Loan care ) claims that I have shortages in my escrow account that is causing my house payments to go from XXXX a month to XXXX a month. whenever I call and ask them they either transfer me to a different department or they say it is because I have had flood insurance. Loan care is my XXXX mortgage company that I have had and I have owned flood insurance from the time I got the initial loan. my taxes and insurance have stayed the same give XXXX dollars. I am unable to re-finance due to having a late payment and I asked if I could make partial payments but they told me I could not. Before this all happened they sent me notices that they did not have proof of insurance and if I did not send it in they would buy there own policy for me every 1.5-2 months and every time I would send it in. They would also try and send me a refinance offer once a month as well. I would like out of this company but due to my situation I cant go anywhere. I feel something is not right and have read exactly the same cases with other people.