WillisBack/dataset-financial-user-claim huggingface dataset:
I have been making my Kohl 's credit card payments monthly for two years without miss through my bill pay at my bank. 
I see my min payment amt went up drastically this month so I called Kohls customer service to find out why. They are stating my payments have been late for over 7 months! 
They have not. Looking at my payments, I have actually paid the account in advance, plus more than the minimum due. There is a problem between the payments being sent every four weeks ( every XXXX Friday ) and the way Kohls is applying the payment. For example : The due date is the XXXX. If my bank sent payment on the XXXX one month, it is properly applied to the XXXX of the following month. 
But if my bank sends 4 weeks later on the XXXX, it does not get applied to the following month. The next month 's payment goes out 4 wks later on the XXXX, and then they say it is late and charge a {$35.00} late fee- even though this payment is early. This has been happening for over 6 months and I never realized it as I knew I was making my monthly payments for greater than the minimum. So they not only have been charging me late fees for making my payments early, but have also been reporting to the credit bureaus that I have been late when I have NOT. I am very frustrated. I am sure I am not the only consumer this is happening to. We should not be penalized for making payments early. There should be a system in place to prevent this mis-applying of payments and charging unfair late fees to consumers- especially ones like me who have been faithful in paying every single month.
This company contacted me by phone we ended with payment agreement paying {$62.00} dollars monthly they never told me they were a collection agency i thought i was paying the XXXX XXXX XXXX, after rweviwing my credit i foun it was a collection by then i called and the amount due was {$140.00} paid in full onXX/XX/XXXX by credit card XXXX XXXX Confirmation number XXXX they never send the letter paid in full as agree, i send a dispute to all three bureus to remove this information from my credit
I had a business agreement with a lawyer. I signed a fee agreement for {$2000.00} and gave them my debit card number and the agreement was to call them every Friday and authorize a {$200.00} payment. I did that every week until the entire fee was paid. A XXXX after our relationship ended, the lawyers office debited another {$400.00} and then sent me a text stating that they did this. This was an unauthorized transaction and I immediately stated this to the secretary. I asked her to reverse the debit charge and in turn she sent me another fee agreement and told me she would reverse the charge if I signed the new fee agreement for another {$3000.00} of which I did not owe. I asked her for a detail of the charges that she was telling me I still owed the attorney and she never provided me with anything. I sent the attorneys office a letter and again asked that they provide me with an accounting of the fees and return my {$400.00}, They never responded. I contacted TD bank and told them I wanted to dispute the unauthorized charge and they told me I had to wait until the debit posted to my account. I waited until it posted and called the bank back and they put the dispute in. TD bank never contacted me for any type of investigation and then I received a letter from TD bank stating that the charge wa valid. I again went into the TD bank branch and explained to them that this was an unauthorized charge and I wanted to dispute this charge because as far as I wwas concerned, the secretary at the attorneys office took my {$400.00} and would n't provide me with any accounting and this was an unauthorized charge and the bank told me we are sorry but there is nothing we can do for you. I explained that I am your customer and you are supposed to protect me and my money and you allowed this business to take my {$400.00} AND THEN WHEN I ASKED TO DISPUTE IT, YOU TELL ME THERE NOTHING YOU CAN DO FOR ME.
Alert from Experian on my credit report from XXXX on XX/XX/19, they said I had to contact XXXX in writing, I did. Even though there is an alert on my credit file to call before doing inquiry, XXXX did it. I did not request it. 
They are saying they will not remove it!!
Receivable Recovery {$220.00} for all debts I had on my credit report on XXXX/XXXX/2015 by Debit Card to XXXX XXXX XXXX XXXX
In XXXX 2015, I received a notice that from the mortgage companyNationstar, that they erroneously calculated the impound account formore than 12 months. The error resulted in a negative balance, whichwould require us to pay in full or make additional payments over time. 
The amount was XXXX. Since XXXX I have made the additionalpayments, plus sending additional money to bring down the shortage. 
I have made every payment, plus sent additional funds of {$900.00} toapply to the shortage. Since XXXX they continue to make errors inposting the payments, and I was called on a regular basis by theircollection department, telling me I was missing a payment. I spokewith XXXX supervisors and several line phone people trying to tell themthe payments were there. In addition they charge me interest, whichI was told by XXXX supervisor would be reversed, but that never happenWe are trying to refinance, and due to these ongoing errors, they arereporting two months late payments on my credit, even though I haveactually paid more that what was due. 
I want them to remove the late payments from my credit, as well ascredit my account for all the fees they have charged me. Also, theyneed to post the additional XXXX to the escrow account as I indicatedwhen sending the payment.
My information was exposed during the Equifax Data Breach. Shortly after being notified of us, I noticed 5 separate accounts listed on my XXXX, Equifax and XXXX reports which were the result of misuse of my sensitive personal information. I promptly filed an ID Theft Report ( including 3 separate police reports ) with these credit bureaus. The information was sent to Equifax using XXXX Tracking XXXX. Sent to XXXX using XXXX tracking XXXX. And sent to XXXX via XXXX XXXX Mail XXXX ( i do not have the tracking offhand ). In my identity theft report, it stated that these accounts were the result of the misuse of my sensitive personal information. I included a copy of my birth certificate, my New York State Issued ID, XXXX Card and proof of my address. I asked for these credit bureaus to block all of the fraudulent information from my credit reports. XXXX  complied almost immediately although all of the inquiries on my report are a result of fraud which they did not remove. I followed up with a letter with XXXX but have not heard back at this time. XXXX and Equifax removed one of the accounts but XXXX of them still remain. I am filing a complaint because I do not believe that anybody should have fraudulent information appear on their credit reports. It is not fair to anyone.
I have an account on my credit report for XXXX XXXX. I don't remember ever having an account from this company. 

I want the company from XXXX XXXX to mail me my original contract that I signed proving this account actually belongs to me. 

They need to produce a copy to me or remove this account from my credit reports and stop all collections.
Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for capital one credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XXXX of XXXX. Bankruptcy XXXX in XXXX of XXXX. Fast forward to XXXX checked my credit report XXXX XXXX showed that all three credit cards where added to chapter XXXX bankruptcy I then called XXXX to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since capital one was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing XXXX told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all XXXX credit cards have been added back to XXXX and XXXX report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened XXXX other cards to restablish credit now there is a total of XXXX cards that I can not pay for.
I have been trying to get XXXX XXXX XXXX to remove inaccurate credit reporting information for over 4 years. Recently, because of an investigation by the credit report agencies and XXXX XXXX it was discovered that my mail forwarding address from XXXX XXXX, when the loan was transferred to XXXX XXXX XXXX, was inaccurate. I have never lived at the address listed from XXXX of XXXX and did not receive mail at my correct address during this time. As a result XXXX XXXX put my account as delinquent without any notification having been received. My account has since remained in good standing. I have tried to have this resolved NUMEROUS times filing disputes, talking to supervisors, and even getting the XXXX involved to no avail. XXXX XXXX servicing always says that the reporting information is correct when in fact it is not. This violates the Fair Credit Reporting ACT which I have made them aware of numerous times. THEY ARE NOT COOPERATIVE AND DO NOT PROVIDE ACCURATE INFORMATION. This has caused me great financial distress. I have been denied auto loans and could not secure housing because of this on going issue.
XXXX XXXX are in contempt and violating my consumer right by furnishing the account starting with XXXX on my account please i need you to to verify the accuracy of the data and delete account and block any future report from XXXX XXXX. i don't recognize the company and i have never done business with this company before.
To whom it may concern i am having the worst experience ever, of all my years of having knowledge of A Credit Report agency and disputing i have never been so insulting like this in my life .i would expect this from a big major credit reporting agency but this UNKNOWN NON NAME BRAND company has push me to the max with insulting my intelligence .I so requested a consumer report i received it found things that were wrong i disputed them with a disputed letter then i was received my completed disputed with a letter attach to basically violating my rights. if you read the attached Document you would then understand my concern, them Admitting that the accounts or not verified legally
Company called my husband on XXXX/XXXX/XXXX, at which time he told them to send something in writing as they would not divulge what the debt was for, etc ... I called them back the same afternoon, twice, trying to get the information from them and was told I could not speak to them without his permission. On XXXX/XXXX/XXXX they called his phone, XXXX, 4 times, on XXXX/XXXX/XXXX they called his phone 5 times, on XXXX/XXXX/XXXX they called his phone 3 times. On XXXX/XXXX/XXXX I asked them not to call his number any longer and to remove it from their list as they were disturbing him at work so I gave them my number XXXX. I have also been receiving numerous phone calls from them on a daily basis and they will not talk to me and only want to speak to him. We have yet to receive anything in writing from them.
DEBT COLLECTION GC SERVICES CALLS MY FATHER ALMOST ON DAILY BASIS ASKING AND LEAVING MESSAGE FOR A TENANT THAT DOESN'T LIVE IN THE BUILDING ANYMORE. THE REPRESENTATIVE XXXX XXXX HARRASSMENT MY ELDER FATHER ASKING FOR SOMEONE WHO IS NOT RELATED WITH US. NEVER LIVE WITH US. I SPOKE WITH A SUPERVISOR BUT PHONE CALLS CONTINUES.
In XX/XX/XXXX, Experian investigated my disputed item posted by XXXX XXXX XXXX and allowed XXXX XXXX XXXX to incorrectly update the account as an unpaid charge off on XX/XX/XXXX. Both XXXX XXXX XXXX and Experian knew that XXXX XXXX XXXX sold the debt to new creditor XXXX XXXX XXXX in the year of XX/XX/XXXX and that I paid the debt in full to the new creditor on XX/XX/XXXX. I have supplied both XXXX XXXX XXXX and Experian with the documentation ( attached here ) from XXXX XXXX XXXX that I paid the debt previously owned by XXXX XXXX XXXX in full on XX/XX/XXXX.
XX/XX/2018 - Received a letter from XXXX XXXX XXXX   which was supposed to be verification of debt. It was a simple letter with the medical accounts, dollar amounts, and original creditors. 

XX/XX/2018 - Received the same letter as validation for the medical accounts. 

XX/XX/2018 - I sent a letter to XXXX XXXX XXXX requesting information to verify they were the correct company responsible for the debt, licensed in my state, contact information for each person who verified the debt, a copy of the document that I originally signed with the hospital, procedures used to verify the accuracy and completeness of the info. 

XX/XX/2018 - Sent another letter to XXXX XXXX XXXX   stating that they didn't provide what I asked for as form of validation. I have received another more than the document they originally sent.
I was sent to collections and threatened with foreclosure when I had been working with the Superv, Debt Collection. I sublitted XXXX letters plus XXXX hardship paks. A few days ago I rec 'd a letter from anattorney debt collector. I had been working and talking w/soup. my home is for sale and the buyer dropped out, I notified PenFed of this and then XXXX letters came to begin foreclosure if I didn'e pay the XXXX. I had my water shut off and had to go to a food bank, I am divorced after 47 years and no alimony. I have been begging them to help me since 2014. No ONE told me or gave me a chance BEFORE into collections. I had just spoken to PenFed as I had for 2 years.
I noticed my TransUnion score with credit karma declined almost  XXXX  points. Upon further investigation I noticed  XXXX  recent credit inquiries on my report that I did not authorize. I called transunion and spoke to a representative and she would not help me or assist me in removing these. They are from   XXXX   XXXX  ,   XXXX   XXXX  ,  XXXX ,  XXXX  and   XXXX   XXXX
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX  XXXX XXXX Equifax : XXXX. 
XXXX : XXXX XXXX /XXXX Equifax XXXX XXXX. XXXX  : XXXX XXXX  : XXXX .XXXX XXXX XXXX Equifax XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX
I opened a BBVA Compass Clear Choice Checking with a promotional bonus of {$200.00}. The terms state that in order to receive {$200.00}, you must open a Compass Clear Choice Checking before XX/XX/XXXX and after openeing the account, make an electronic deposit from an unrelated 3rd party of at least {$300.00} into the account within 60 days of account opening. The bonus should post within 60 days. I qualified for the terms on XX/XX/XXXX with an electronic deposit of {$300.00} on XX/XX/XXXX and I have yet to see the bonus post to my account. After reaching out to BBVA compass they have been unhelpful and are unwillilng to solve the issue per the terms of the promotion. Timeline : Account Opening Date : XX/XX/XXXX Electronic Deposit {$300.00} : XX/XX/XXXX On XX/XX/XXXX, BBVA responded that in order to qualify for the bonus, the account must have a positive balance, and that in order for the bonus to post, I would need to have funds in the account. Once the funds are in the account, the bonus would then post. 

I have deposited {$100.00} into the account and I still have not received the bonus as stated in terms and conditions, as well as BBVA compass reply to my original CPFB complaint # XXXX. My efforts to reach BBVA compass through customer service have been exhausted.
On XX/XX/17 I received a message from a credit monitoring services that my credit as well as my husband 's credit had been pulled by Credit Plus. I called the company right away and they stated that XXXX XXXX XXXX had used their platform to pull our credit. However, my husband or myself had never given authorization ( verbal or written ) to have our credit pulled. We disputed the inquiry with credit plus ( file number XXXX ) and they stated that it can take 30 days to have the inquiry removed, since XXXX XXXX XXXX has 20 days to respond. We are in the process of waiting for our credit to improve, since we paid off a lot of accounts, and it is still not showing in our credit. It was very important to us since we are going to be applying for a home loan soon and this inquiry can hurt our score and stay for 2 years. It is not fair that consumers go through this. The regulations must be changed and credit companies must request a written signed document before they allow any company to pull credit reports.
Borrowed XXXX on my XXXX XXXX XXXX from first XXXX XXXX XXXX in XXXX ga. Check went directly to mechanic as I got the loan to have motor replaced. 1st payment due XX/XX/17, although car was still in mechanic shop, called and made arrangements to pay on that saturday and was told district had to approve. Never heard back so assumed it was agreeable, 3 days later car was repossessed from shop without any communication to me. Initally was told i could get car back after I made the payment and decided to do a buyout with another company. Both companies coordinated and gave me an appt time to be at New company to complete paperwork, assured car would be there when I arrived, ended up waiting 3 hours and finally being told they could not remove car from lot bc it was in repo, this was after I was told 2 other stories. Asked to speak to district. He ( XXXX XXXX ) called the following day and told me that I could not make my payment and get car only option was full payout. I asked about the branch manager ( XXXX ) telling me I could get car back and was told she made a mistake, and that everyone makes mistakes ... offered no reason or leniency for the false information and time spent. District manager was extremely rude, sarcastic, and unapologetic, refused to provide his supervisors contact info and my request to have his superior contact me. I have been taken advantage of, lied to, and my rights violated. Please help me I am a hardworking individual who recently received a layoff, gave my newer car up and bought this one only to have motor blow up 4 days later, pawned title as it was my only option and now my car has been taken for being 3 days late and after making arrangements that were assumed agreeable by lack of follow-up saying otherwise. I have made several attempts to reach out to the owners of company ( no reponse ) and also several attempts to have title bought out, none of them can happen bc they refuse to let car leave repo lot even if I pay their repo company to tow it to New title loan co to complete buyout.
not only have the debt collectors be argumentative they are providing false info using my personal info. Bull city has been notified by US mail and verbally that this debt is being disputed yet they refuse to provide me with a signed contractual agreement between XXXX XXXX and XXXX XXXX XXXX and they continue to report this alleged debt to the credit bureaus. 

RE : CUSTOMER ACCOUNT- XXXX FOR XXXX XXXX XXXX XXXX REQUEST FOR VALIDATION OF DEBT Dear Fiduciary, Your claim was received alleging that I owe a debt to an original creditor named XXXX XXXX XXXX, now in collections with your organization under # XXXX. I am unaware of any contract creating an obligation or indebtedness to XXXX XXXX XXXX, or BULL CITY. 
So that I may further assist you, I am requesting that you validate the debt. Validation differs from verification, whereas I am challenging the authenticity of debt you are attempting to collect. Provide me with a true copy of the authenticated contract with my signature at the address provided above. 
NOTICE OF DISPUTE I am disputing the principle and any interest of the alleged debt obligation and I am disputing any outstanding balance owed by us. Please update the record with XXXX, XXXX, and XXXX that the principle, of this debt is in dispute. Please correct the records with XXXX, XXXX and XXXX to reflect that the principle is in dispute, as to SSN ending in XXXX, for XXXX XXXX XXXX XXXX. If you are unable to validate the information within 30 days, the account must be deleted. This debt is considered to be invalid until I receive the contract, requested at the addresses provided above. 
Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Sincerely : XXXX XXXX XXXX XXXX, Authorized Rep
I received a copy of my credit report and am disputing information concerning my payment history. Since XXXX I have been disputing the accurateness and recently again there was an oversight on my account which has prompted me once again to make my final attempt to rectify this problem. 
I am writing again in an effort to correct the derogatory statements on my credit report. 
As I stated I have contacted customer service on several occasions and was finally instructed to send a copy of my report so that it could be fixed because they were not aware of this problem. I sent via fax provided and email XXXX and again XXXX. 
While on active duty in the XXXX XXXX I opened my account, I opted for it to be deducted from my bank account to ensure on time payments. I was told it would be and initially I did n't have any problem because the payments were deducted as you can see with a review of my account. I medically retired from the military in XXXX and choose for the draft out of my account to continue and even upon military out processing my account was current because you can not discharge from the military with a debt. I am currently attempting to purchase a home for me and my children and was made aware once again of the derogatory statements listed on this account. This problem was to be resolved but yet again on XXXX XXXX XXXX I received correspondence that my account was past due. I was frustrated again as the agreement was that an automatic payment would come out monthly- which it indeed was. I was told that it would adjust to the balance on my account. After hours of painful waiting and multiple customer service attempts I was able to get someone to look into it and once again fix the problem- I was told they did n't make it self adjust. I say all that to say this- the times were not in fact accurate that I was not making the payments or late .... because they were set on auto draft and with the help of customer service this system/operator error was found. I am asking that you please fix my credit reporting to reflect that payments were indeed made and no late past due XXXX days as shown. As for the amount, I should not be held accountable for something beyond my control. In addition I never received any correspondence that it was n't being paid. I do n't know where it would have been sent to because I relocated from XXXX XXXX upon my retirement and home of record was provided. As you can see I have had no issues with paying my account and was even denied an increase due to this negative reporting on my report. I have served this country and value the honor and respect I give to others and attempt to pay all my debts as promised. I would greatly appreciate this matter to be resolved quickly and would like to say thanks in advance.