WillisBack/dataset-financial-user-claim huggingface dataset:
While at my bank on XX/XX/XXXX, I was alerted by my credit monitoring service that there was a derogatory entry put out to my Equifax file tied to a collection company. At first, I was not able to determine the source of the collection, as I didn't owe anyone anything. When I got home, I immediately got on Equifax 's website to do a dispute. I entered all the correct information about myself, then answered all the security questions correctly, to prove who I was. Once in my credit file, I could see that a company, XXXX XXXX XXXX in XXXX, KS, was reporting a collection against me for {$26.00}. This was a fraudulent collection entry as I did not owe this money, so I went ahead and filed the dispute, only to learn a short time later, that this collection activity was due to the incompetency of their client, XXXX XXXX of XXXX, KS, for not having the correct address in my file. The bill in question was paid, in person, way back on XX/XX/XXXX, because I had not received anything in the mail from them. I was assured then, that she would pass on the updates, and that it was long before ever going to collection. I was " all set '' according to her. Come to find out on XX/XX/XXXX, that never happened, because XXXX had no records of such change. Again, the person at XXXX XXXX was supposed to have updated all parties with the correct information, but has no proof to provide she ever did. On Sat, XX/XX/XXXX, I got an email from Equifax indicating that my dispute has been finished, and to log in with the supplied reference number to view the results. I did as before, entered all of my correct information, as well as the supplied reference number, but this time I got a message that the information I had entered did not match what was in your system. So now, I've gone from bad to worse. I'm trying to buy property as well as a vehicle, but now I'm frozen, and am at risk of losing the property I want, as well as a promotional interest rate for the vehicle. All because XXXX will NOT correct their error. First XXXX told me on XX/XX/XXXX, they were going to expedite that correction with you, because it was their error, to then saying on XX/XX/XXXX, that you issued them a " cease and desist '' order, dumping everything on me. This whole mess is due to the incompetency of an office clerk at XXXX XXXX, and this collection company, who but the way, has dozens of legal complaints against it for this very type of activity. When I try calling Equifax, all I end up is being put through a series of phone options. NO HUMAN TO SPEAK WITH! According to the FTC, KS Attorney General, XXXX, bank, and others, XXXX is in violation of several FCRA, FDCPA Laws, to which they know, but don't care.
I never opened a XXXX credit account. Despite that I am now receiving calls from Client Services Inc, a collection company acting on behalf of XXXX XXXX, demanding that I owe them over {$1000.00}. This is absurd. I have never received anything in the mail or by email regarding any such account, charges to any such account or anything else. I assumed this was a phone scam of some sort, but Client Services INC appears to be a legitimate company
My complaint is regarding a late fee Bank of America ( BOA ) has fraudulently assessment on my account. I have spoken to an account representative and her manager about this issue today XXXX/XXXX/15 and was advised it assessed because my payment was processed at a certain time. For all I know the reference number for my complaint with them is XXXX, XXXX and XXXX. 

According to my monthly statements Late Payment Warning, if they do not receive my Total Minimum Payment by the due date ( XXXX/XXXX/15 ) then a late fee will be assessed. Nowhere on my statements does it reflects that a payment must be made by a certain time. Therefore, on XXXX/XXXX/15, I made two payments, one with a representative due to their online issues and another on the website after It was determined that the issues were only with their acceptance of new banking information I attempted to add. 
For me, this is a simple fix as I have been with BOA for more than 10years but I guess this is something that 's not relevant to them. As I stated, they did not disclose a time on my statement and I 've made the payment according to the information I get from them. To remove myself as their victim, I 've paid off this account except for the erroneous fee of {$25.00} and have also paid off my fianc 's account off which had my name on it. At this time, it 's up to BOA to finalize the closure of my account because I will not pay this fee as I 've complied with their due date not due hour. 
I am requesting confirmation in writing indicating the closure of all my accounts with them. ( I am sure they have my social and know all accounts is associated with that social. ) If they find an account with my social, then I would like to be notified so I can also pay that off and get away from this bank completely. For all I know, I only had the XXXX accounts in which are paid off as of today. 
Please note that I do not care about their logic as I can only imagine how many people they 've done this to and have gotten away with it. All I want is that they correct their issue with this late fee and let 's go our separate ways.
After leasing my car for 2 years, I got a loan and purchased the car. I paid on my loan, and after almost one year, XXXX XXXX XXXX contacted me and told me they were going to repossess my car for not paying on the lease for 357 days. They never ended my lease, even though I had a loan through XXXX XXXX As a result, my and my wife 's credit was adversely compromised. Also, in 357 days, I never received a letter, email or phone call regarding a late payment, or I would have addressed the issue immediately.
On or about XX/XX/2018, I found myself in financial distress. I foolishly logged into the XXXX XXXX website and requested an online payday loan. I was matched with www.mypaydayloan.com. I completed the application for a {$300.00} loan, then changed my mind and contacted this company to revoke the application. They deposited the funds despite this request. I left it alone figuring a company linked to XXXX XXXX would be reputable. On XX/XX/XXXX, my first payment was deducted automatically from my checking account in the amount of {$90.00}. I logged on www.mypaydayloan.com to check my documents and found I could not access anything. Because that triggered my instincts, I revoked the ACH authorization. This " company '' then began threatening me. I emailed this company on XX/XX/XXXX, XX/XX/XXXX asking for a mailing address and requesting that the threats cease. This " company '' continued to refuse to provide a mailing address and demanded my debit card number. I requested a mailing address AGAIN on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX , the " company '' again refuses to provide an address. I requested again onXX/XX/XXXX. They again refused. I requested again. On XX/XX/XXXX they disclosed that they are in XXXX XXXX. On XX/XX/XXXX, they threatened to sue me for {$25000.00} if I did not remove complaints I filed against them. I again asked for an address. I need help. I have attached all email correspondences.
I paid my credit card off in full with Bank of America and was still charged interest after I made the payment. I spoke with their customer service department and was told because of the amount charged they could not waive it. They could not tell me what the pay off date would have been to avoid being charged any interest. They have also told me I am being charged interest on the remaining amount ( interest charged to me ).
I have initiated several disputes with the major credit bureaus to resolve a glaring inaccurate account that is dragging my credit score down. XXXX XXXX XXXX XXXX is reporting 1. 180 day late status since 2014, 2. reporting me 120 days late every month since 2014 3. Shows my monthly payment as what the balance is and 4. Shows my terms a " 1 month ''.

Attached is my credit report pulled by the mortgage company, at the bottom of page 8 of 21 is where you will find the XXXX XXXX  XXXX XXXX.

It seems that the credit bureaus will not investigate or fix an account because they are receiving monthly premiums for reporting regardless of what impact it has on the consumer 's financial health.

I'm hoping this will help me fix this issue
I contacted Equifax in XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX about the collections listed on my credit report. I have made several attempts to take care of it. I shared with Equifax the accounts were not reporting accurately. There were several inaccurate items listed on the collection accounts from XXXX XXXX. Equifax sent back statements that said it was verified. I did not ask Equifax to verify the accounts. I asked Equifax to send me documentation or the proof they had since they stated it was verified. According to my records the items are not reporting accurately and must be removed. 

I sent Equifax letters asking I've asked Equifax to send me verification in XX/XX/XXXX of who they spoke to since it says, it was verified and they sent a credit report back in XX/XX/XXXX without verification which is what I requested. They changed the amount on the collections. Where did they get that amount from? Who are they speaking to? They are obviously not complying with the law. I am aware the law mandates them to comply with a consumer requests if they can can not provide the documentation or they must delete and they have failed to do comply with the law multiple times. I have provided documentation of a person signing for it, so they received the letter. I have proof of how they changed the information on my credit report without providing any type of documentation. Equifax continues to not comply with the law.
I was denied {$85000.00} in credit because EXPERIAN CREDIT REPORTING AGENCY is constantly holding on to my old phone numbers of the past 15years..and even though I have tried many, many times to solve this matter .The agency just Laughs.Told me there is nothing I can do.!!!! ..That they 'll remove it when they get good and ready ... This is rude!!!! ..Also : they have a lot of inquires that I did not approve of..on my FILE!!!
Experian credit reporting agency is reporting that I have 2 late payments, but can not show where they are, I have no late payments AT ALL. 
In the last 90 days I have requested these be removed and they remove them for a brief period of time only to have them reappear.
I bankruptcy was dismissed in XXXX 2010. Would like for this to be removed from my Credit Report. I have been trying to rebuild my credit for the last XXXX years and this is impacting my Credit Score.
In XXXX 2015 my credit card information was stolen and used at a Walmart in California. I reside in XXXX, Texas. I immediately reported this activity to Synchrony Bank and an investigation or claim was initiated, which I was told would last 4 to 6 weeks. Since then I have been in communication with Synchrony bank, but to no avail. I have been hung up on, yelled at, transferred to departments that were closed, and put on hold for over 30 minutes. I have spoken to customer service reps, supervisors, and fraud specialist. In XXXX 2015, after completing a survey that was not in the favor of the company, I received a letter stating my dispute had been resolved and my had been credited the amount. Today my balance still reflects the fraudulent charges. No one I have spoken to at Synchrony bank has worked to resolve this issue. This is just one of the three issues. The second issue is that since XXXX I have been making monthly payments, but the account balance never changes and I am unable to view any of my past payments. I have told the customer service reps time and time again about this issue, but to no avail. The third issue is that this amount is reporting to the XXXX credit bureaus and reflects that I am using more than 80 percent of credit on this account, resulting in a drop in my credit score every month. I am at my wits end with this company and I hope that this complaint will lead to a rightful outcome.
I have XXXX federal loans, XXXX XXXX XXXX loans and XXXX Navient loans. My payment with Navient, alone, is {$480.00}. I have contacted them on numerous occasions in an effort to have this payment lowered. I have other student loans I am making payments on besides this. My father is the co-signer. After numerous conversations and providing them with the requested financial information, I was told the payment could not be reduced because my father had excellent credit. Navient told me that my father is responsible for the note as much as I am. I do not agree with this. That is not the role of the co-signer. The co-signer pays the note if I am unable to. But if they would reduce the payment to a reasonable amount, I could pay the note myself. Right now, my father is helping me pay the note so that our credit will not be affected. However, he is the only bread winner in his family, he has XXXX children of his own and is supporting his XXXX step-children with no child support from their father. So he is really not in a position to make payments. And why is this decision based on his credit score. That does not mean he is able to make payments. The Navient people are rude and extremely difficult to deal with. I had no problem getting the federal loans reduced but not so much with Navient.
I originally contacted XXXX XXXX to settle the debt and they said to go in when on the phone when I did sthey recanted and sent it to a collection agency that never sent me anything, I did have medical insurance that should have been billed and they never did. Now I have a debt of almost {$6000.00} that they expect me to pay. I have disputed this and requested that they send me something in writing of that account through the credit bureua and all I got from the credit bureu was that its valid with no proof the individual at the credit agency said we dont contact them just run it through an electronic system.
My fed student loans were transfered to Delta Management Associates , Inc . 
back in 2016. I was informed that the only way that I could come out of default was to rehabilitate my loan by making 9 payments. At no time was I informed of the consolidation option. If I was given the consolidation option I would have consolidated my loans and had become eligible for Public Service Loan Forgiveness in 2016. As it stands now, due to not being informed of my consolidation option, I made 9 payments that will not count towards PSLF. Delta Management was deceptive and never gave me all the information I needed to make an informed decision. Of course, I have no doubt in my mind that they will not be held accountable for any of their deception as no one cares that most of us are trying to make ends meet.
My identity thief has managed to open a credit card account with  XXXX . The balance is {$460.00}.  <P/> I do n't shop at  XXXX  and have never had a transaction with this company. The debt is showing over 90 days due. So the fraudulent charges must have been made in early   XXXX  . My credit should have been frozen by  XXXX , but that seems to not have been effective.  <P/> I do n't owe this debt, and my  credit score  has been damaged because the account is delinquent.
Returned vehicle on a lease. Before returning the vehicle I had it gone over by a licensed auto body tech. XXXX dollars spent on nics and scratches. After vehicle was returned I received a bill for {$400.00} for scratches on the car.
To Whom It May Concern : I am a Pennsylvania XXXX ( ID # XXXX ), and I am submitting this dispute because MyCase and XXXX, XXXX improperly denied my application for XXXX payment services. A copy of the denial letter is attached. XXXX is a cloud based legal management system used by attorneys to store client information and bill client time. The service I applied for would have allowed me to accept credit card payments. As part of the review process to qualify for the service, XXXX used XXXX ( a real estate management company ) to investigate my credit report. XXXX claims that they pulled my Credit information from Experian. A copy of my Experian Credit report is attached. MyCase and XXXX appear to be either closely related or the same company, because they both have the same Corporate Headquarters address located at XXXX XXXX XXXX, XXXX, CA XXXX. 

XXXX claims that I was denied services because my credit score is XXXX and the date the score was allegedly created was XXXX/XXXX/2016. The Experian credit report does not show that that either XXXX or XXXX made a credit inquiry. See pages XXXX of the XXXX section of the attached Experian credit report. Furthermore my credit score is XXXX and not XXXX as stated in the XXXX credit denial letter. See page XXXX of the attached XXXX Credit Denial Letter. See page XXXX of the Experian report to view my credit score. 

Thank you for investigating this matter, XXXX XXXX XXXX, XXXX.
I was unemployed fromXX/XX/XXXX throughXX/XX/XXXX. During this time I fell behind with my mortgage. I applied for a modification and was denied based on M & T Bank internal requirements and not FHA guidelines. I was told that I need my mortgage payment to be 40 % of my income.
Hello, I 've had a student loan with ACS Education Services for approximately 13 years. I 've made monthly required payments since that time. I fell behind one month payment recently and I 've been trying to contact customer service to speak about forbearance. I checked my account today in fact- exactly 30 days late. I 've contacted ACS customer service 4 times in the past month, including twice today. Every time I call the representative says they are not " allowed '' to talk to me and route me to the voicemail of a paralegal named XXXX XXXX in the legal department. They will not even answer why they ca n't help me and I have to speak to this woman. It 's very bizarre. I can only assume this is because I 'm 30 days late, which is not very severe in my opinion. I 'm not in collections or anything because ACS is still billing me as usual. They just refuse to help me or speak to me. Because they refuse to help me or give me any customer service as they are legally obligated to do I have no choice but to report their actions. Its so sad that it takes this for me to try and get a simple question amswered about my student loan. The whole thing is truly bizarre. But the one thing I do know is that this company is not following policy in regards to providing help and access to their consumers. I 've never has a account somewhere where they just wo n't speak to you and give you no reason why. I 'm wondering if they are understaffed and and failing to invest in the trained individuals they are required to have on staff. I 'm hoping you can help me get a response from this company.
Hi, I had a " hard inquiry '' placed on my Transunion credit report due to an inquiry I inadvertently made through XXXX XXXX. This inquiry was with XXXX XXXX who I do business with as I have XXXX XXXX XXXX with them. Outside of my error of making an inquiry, I already do business with XXXX XXXX so this mistaken inquiry should not be a hard inquiry damaging my credit. I spent a lot of time on the Transunion website and they do not allow disputes for hard inquiries. 
Can you please help me? 
Thank you.
I would like to report the actions of the Credit Reporting Bureaus and XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal attempts to collect money from me after a charge-off has occurred 7 years ago. They are wrong for reporting and re-aging the account on my credit report that should have been removed but is still appearing past the due as of currently while containing falsified information which is damaging my credit score as it is currently showing as if I am failing to pay monthly and XXXX is updating every month as FP up until currently, XX/XX/2018. The account, closed for many years is showing false activity of 141 % utilization which is impacting my credit report in the worst possible way. The account has had absolutely no activity and has been closed and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605 ). XXXX along with the Credit Reporting Bureaus allow the change of dates and balances to show it as active, that is incorrect. This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623 ). I have taken this case up with XXXX XXXX XXXX XXXX and all three bureaus without resolution or change. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check immediately.
Called me trying to scare me on debt. Did not even respond to what company they are working for and also threaten to drop off legal papers.
Someone stole my card and the XXXX card was in my purse which got stolen too with driver license social security cards and XXXX will not refund my money they think it was me I did a police report and found out who did it XXXX
XXXX XXXX Fl XXXX Equifax Information Services , LLC . 
XXXX, GA XXXX XXXX Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX and XXXX XXXX account on my credit report. On XXXX/XXXX/XXXX I have file complain to the CFPB I sent a letter explaining the situation. 

All this accounts have been process and closed in XXXX not in to XXXX and the discharge date was XXXX not XXXX. 

In addition it has been 8 years seen this Loan were reported to the Credit Bureau. 

My Understanding was that Art institute took XXXX loans and the XXXX of XXXX XXXX and clears this loan in XXXX. However on my credit Report it appears XXXX loans from different agencies. 

I 'm requesting this loan to be remove from my credit report. 

I have enclosed copies of all my records correspondence. 

I look forward to your reply and resolution to my problems. Thank you for the opportunity to clarified this issued. 


XXXX XXXX
This complaint is against PNC bank ( XXXX ) and visa checkout ( XXXX ). Not sure who is responsible for the problem. A visa checkout offer of {$10.00} statement credit appeared on PNC bank website in early XXXX 2016. The offer was if you spent {$10.00} or more and use the visa checkout when checking out you will get statement credit of XXXX The original offer is no longer on PNC website but I got the information from internet. 
See attachment PNC Bank and Visa Checkout {$10.00} Credit Offer. 
XXXX XXXX I have called PNC bank and Visa checkout several times but going around in circles.. After calling PNC bank they told me that though the offer was on their website but the offer was from XXXX Checkout and they are responsible for the credit. Then I called visa checkout and they told me to wait for 90 days after the offer expired which was XXXX XXXX, 2016. When I called them in early XXXX nothing happened and they told me they will look into it. When I called again a few days later they told me to contact PNC bank again since it was on their website. It has been going in circles for almost 4 months and there is no statement credit so far. PNC Bank telling me to call Visa Checkout and Visa Checkout telling me to call PNC Bank. 
There are following additional attachments ( Documents ) in support of the complaint : 1. Visa Enrollment-XXXX ( PNC Bank credit card XXXX enrolled for Visa Checkout ) 2. XXXX ( Enrolled card used using XXXX XXXX XXXX for {$13.00} ) 3. PNC Bank Statement-XXXX ( showing amount of {$13.00} )
This complaint is regarding the student loan XXXX   XXXX. After sending dispute letters to Equifax, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me