WillisBack/dataset-financial-user-claim huggingface dataset:
We bought a Timeshare at the XXXX XXXX XXXX, XXXX XXXX XXXX, thru a Timeshare Resale company. The property was paid in full. Used it once, not what we thought it would be. We offered the company to take back the property totally free, we just could not keep paying the Maintenance & Taxes. They refused. 
We stopped paying the M & T and eventually they sent it to Pinnacle Recovery , Inc for collection. This happened so long ago that I do not have exact dates. However this debt is way past the Statute of Limitations and should not be pursued anymore, much less putting it in our credit report. This could not be happening at a worst time since we were just approved for a mortgage and there should not be any significant changes in our credit scores.The daily calls and frequent letters also became very annoying. 
Please help us resolve this as quickly as possible for we do n't want this to interfere in our new home purchase. 
Thanks.
First of all, thank you for the work you do. You are all invaluable and underappreciated. 
When I started repaying my loans around XX/XX/2014 after graduating university, I was not aware of Income Based Repayment. Only after I have maxed out all my credit cards ( about XXXX dollars added on top of what I already owed ), and when I had no means of paying the over XXXX a month I was being charged, did I find out about income based repayment. My credit will take a couple of years ( about 2 ) to recover ( that 's because I 'll stay at home and eat mainly chicken, eggs, and ramen ). Granted, I 've had a recent hard inquiry into my credit, and I missed one payment one year ago, but the amount of credit card debt I have now is the major factor affecting my credit. And the APR on my credit cards are double the rate that the student loans were charging me. If I just applied for IBR right after returning from university, would I be in the situation I am in now? Did I miss an opportunity? How much money did I actually lose and continue to lose? I 'm only paying XXXX a month now, and my previous job, when I first left university, only paid me half of what I make now. I went to the XXXX XXXX XXXX XXXX XXXX, in XXXX.
I am contacting you in reference to a matter that I 've had to send communications to Capital One about. Everyother month Capital One XXXX reporting my auto loan on my credit report, I dispute it, it updates correctly and thenreappears. I filed bankruptcy due to having XXXX bills from the birth of my son ; however, that hasbeen discharged for XXXX years, my reaffirmation agreement with Capital One was declined by the judge. 
Nonetheless, I continue to make payments on my vehicle and will until it 's paid in full. My issue with Capital OneAuto is the credit reporting ; it 's incorrect, should n't show anything but ( account closed, bankruptcy XXXX, zerobalance ) or something of that nature. Anything other than that is a clear violation of the FCRA post-bankruptcydischarge requirements. I 've communicated with them at least XXXX times over this year alone about the same thingtrying to get it permanently resolved. To report a discharged debt as something else ( for example, '1charged off ' orhaving a balance as more than zero ) violates the provision of the FCRA that requires creditors from reportingincorrect information. XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). it is also a violation of the FCRA if I 've notified them about theincorrect reporting XXXX several times XXXX, but then they still have not permanently corrected it. XXXX XXXX XXXX ( a ) ( XXXX ) ( b ).
I've called Equifax 3 separate times today and told 3 separate answers to this question : Will filing a dispute affect my credit score? A few times, I was told no or it shouldn't. Then the last time an overseas representative said yes.

My score went down 13 points because I have disputes ongoing and XXXX XXXX in specific said they reported to Equifax on : XX/XX/XXXX - " midland funding reported account under collections with - dispute status - the unpaid balance that was reported is {$710.00}. '' per rep. This account with XXXX XXXX had ALREADY reported this to agencies XX/XX/XXXX. They told me they report twice in a month. So, for over a year they have reported often with no change in score points until this dipute.

I disputed the account and now my score went down? And the collection representative verbally validated that. A credit monitoring showed it was XXXX XXXX collections due to adding remarks about a dispute - was the reason the score went down 13 pts.

" The FICO score will not allow an item that is actively being disputed to harm your score. When the XB code is present on an account, a public record, or a collection, the FICO scoring system treats it differently than it would if the account was not actively in dispute.

This is where the confusion comes from. The FICO score will not allow an item that is actively being disputed to harm your score. '' Nothing changed as far as a payment, etc. TODAY I asked Equifax to stop the dispute. Also, Equifax should fix my points - add them back to my score.

Lastly, XXXX, nor XXXX touched my score and I disputed with them as well. I have paid off 3 or 4 collection accounts and my score will only go up 1 or 3 points, but it always go down 13 to 24 points if something is added.

Please look into this and have them to add my points back on as nothing happened on my credit report to justify this. Again, actually, I paid / removed 4 accounts and only Equifax barely show an improvement in the scores while the other 2 major agencies shows great improvement.

Thank you, XXXX XXXX
Because Gold Key Credit were ordered to stop operations in the state of Arizona for operating a collections agency without a license and to pay a civil penalty of {$10000.00} in XXXX I am concern about their actions as it relates to this alleged account. 

On XX/XX/XXXX, I received a message from XXXX XXXX and XXXX XXXX through XXXX, the debt I allegedly owe was reduced {$1000.00} Down to {$0.00}, however when I called to confirm, they stated that I still owe the alleged debt. 

Once I gave her the information required through her questioning, she said do I know why my mail is being returned from that address. Then she reaffirmed her statement by saying what I am trying to say is we are trying to mail to this address and your post master is sending back that I don '' t live there. 

On XX/XX/XXXX at approximately XXXX XXXX, on a recorded line, Gold Key Credit Inc. used misleading information alleged that the postmaster is sending back their mail and that I don't live at the address. Then she said that you are advising me that this must be an error and this is your current mailing address. I never stated anything about my address being an error. 

Then when asking her why did they reduce the amount from {$1000.00} down to {$0.00} she said they did not reduce the amount and the balance is still owed, however XXXX admitted other phone that, that information came directly from the creditor XXXX   XXXX XXXX/Gold Key Credit back on XX/XX/XXXX. And I saw written prove on XXXX and XXXX XXXX which is attached to this complaint Then she said that validation was sent of XX/XX/XXXX, but she just said that postmaster said that I did not live at that address so how is this possible. And her response was we cant be accountable if the mail was return, however I have 3 responses from that they sent through the mail. She also stated that I have a cease and desist on my account and they are not going to be sending me anything. I explain which I am sure the agency knows the validation specifically state only to do written correspondences which is another misleading statement. 

I inquired as to why they decreased the debt down to XXXX  and she stated that she did not notify the credit bureau that your balance was XXXX.
this account is on my credit. i have contacted this company and they can not supply any signed agreement holding me responsible for this debt. i was also advised by supervisor that statue of limitation on that debt was 2015.
I contacted CITIBANK after receiving my XXXX consumer report and seeing several fraudulent account inquiries. I explained that I have had a case of identity theft and that I have already set notifications with the Credit Bureaus, XXXX, XXXX, as well as filed claims with multiple banks and filed a police report. 

She was unable to transfer me to the Debt Solutions division of the bank. I asked her to please close the active account immediately, as it is fraudulent and I do n't want it to affect my credit. She stated she would connect me right away with the right department to close the account. I offered to provide all necessary documentation to do so, so she could close it herself. 

Instead, she asked me to please hold and I was transferred to the XXXX. She did not close the account nor agree to investigate the fraudulent account after being made aware of the identity theft. 

I would like the account ( s ) closed and situation resolved immediately. There were XXXX credit inquiries made from XXXX and NY branches and I was told there were active accounts in my name. Whether checking accounts, savings, or credit cards.
I had a bank account with Wells Fargo for about 4 months that ended XX/XX/XXXX, due to a check that was issued from an account I had at XXXX XXXX XXXX that was being closed sent directly from XXXX XXXX XXXX to Wells Fargo, never was I notified about this check. The Wells Fargo Account was closed because they said that said check boucnced and they have XXXX tolerance for this kind of thing. I went to a branch in XXXX Texas and withdrew the entirety of my funds left in my account and was told by the banker that it was closed. This was on the XXXX of XXXX. 
I receive XXXX and SSI Payments from Social Security every month. I had my DD going to my wells Fargo account, and was in a bind at this point because all of my accounts had been closed. I tried to get another bank account but found out that Wells Fargo or XXXX XXXX XXXX put my name on a list with a company named XXXX, and I was unable to open a bank account anywhere to have my SS payments for XX/XX/XXXX go to. Finally at the last moment a friend allowed me to use his account and I set it up with Social Security, but it was already too late. They told me the funds were still going to be deposited into the Wells Fargo Account. I contacted Wells Fargo and they told me that it would take XXXX business days for the funds to be returned to the depositor after being rejected from a closed account. So I waited and still no funds in the new account with my friend and SS stating that they had been deposited. I called Wells Fargo back and this time they told me that the funds should have immediately been sent back to the depositor because the account was closed and that was the law. But they did not see any DD go into my closed account at all as of that time, which was now the XXXX of XXXX. 
My checks are lost. I believe that Wells Fargo has them and would like them to release me my money.
Filed a dispute With Equifax, XXXX, and XXXX. XXXX removed within 12 hours, XXXX removed after 2 days. Equifax has notified me by E-mail that my dispute has been resolved, but will not grant me access to my report. How is it that I was able to access my report to file the dispute, but not to view after completion of the dispute? If incorrect information is in my report it would be impossible to answer the security questions to their satisfaction. I had this issue with Equifax refusal the provide my report a few years ago and they only relented after threatening them with reporting their flagrant violations of the FCRA. It seems they do not want to provide free reports to anyone .... but if you pay for it they provide it with no delay!
On XXXX/XXXX/15 I received via your website a letter from Debt Recovery Solutions that they were going to remove the Trade Lines from all XXXX credit bureaus. That has yet to be done instead. Debt Recovery has validated the accounts with all Credit Bureau 's XXXX separate occasions which has hit my credit score tremendously. They have verified that this was a new Collection account on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 on XXXX, XXXX and XXXX XXXX. Also on XXXX/XXXX/2015 they again verified the account is valid and it had hit my credit score again. This negative invalid trade line was suppose to be removed as of XXXX/XXXX/15. Now why are they doing the direct opposite of what they are suppose to be doing
In XX/XX/XXXX we received our first bill from XXXX XXXX for XXXX. ( attached ) We promptly paid the bill. Again, in XX/XX/XXXX we paid our second bill for XXXX. Again, both on time. Then when XX/XX/XXXX statement came we were billed XXXX. My husband called XXXX XXXX to find out what the issue was. We were told there was a loan shortfall caused by us paying XXXX ( the amount we were billed ) and that our loan was re-amoritized. I argued I had a fixed rate loan, had never missed a payment, had never made a late payment, and paid exactly what was billed. Well, after double checking my promissory note ( attached ) and TILA ( attached ) I was to always be billed XXXX. XXXX changed the monthly payment and thus caused a shortfall. When I told them this information they refused to correct the shortfall. Not only did they not correct the mistake they refused to return my calls or emails to provide answers for these issues. Around 90 days later and this issue still exists and they still refuse to answer. Additionally I offered to make up the shortfall myself by offering a check for the missing amount and they just applied it to interest. Thus the shortfall still exists. The extra amount would have gone directly to principal. Additionally, in XX/XX/XXXX we made an extra payment amount on top of the monthly payment. This was made all at the same time. The letter we sent contained directions to only apply extra payments beyond the monthly requirement be applied to principal and not the next months payment. This was ignored. Then XXXX " a higher up '' as she calls herself lied and told me it went to principal when clearly it did not. We requested this be fixed and it has not been done. No one has offered to fix anything either. A certified letter is attached that I mailed. I also made dozens of calls.
I sent a letter on XX/XX/XXXX asking XXXX XXXX XXXX to verify 2 items they are currently reporting on my credit report. One acct # XXXX for {$320.00}. Another acct # XXXX for {$480.00}. I only got an update to my report saying these items are verified. I have not received anything verifying this items.
On XX/XX/2018 a company called XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon researching about said trust on the SEC site I came across a Cease and decease order against the Trust. I hired an attorney and I am defending myself. 
However last week I was notified by the servicer that there is a new owner of my loan. So while I am being foreclosed by one company my loan supposedly is owned by another company XXXX XXXX. On my phone conversation with the person in charge of said company, XXXX XXXX XXXX, I was threatened with the following : I am going to come after you, your lawyer is a liar, etc. But most importantly, this company is refusing to pay the remaining insurance claim that the insurance company remitted to them already and the roof of my home is being repaired. Servicers cant withhold insurance claims proceedings. Please I need your help. It is urgent.
I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation
I have been a Fifth Third bank checking account holder for XXXX years. In the past XXXX months, I have had charges come through my checking account that caused my balance to go negative. I have always turned " off '' my overdraft protection and use that as a way to know when my balance is low and I need to put more money in that account. Each time ( I believe it has happened twice in the past XXXX   months ) my balance has gone negative, I get charged a fee.

I called Fifth Third and complained about this when it happened XXXX months ago, and they did remove the overdraft fee during that occurrence. Today is XX/XX/XXXX and the same scenario occurred again yesterday. I do not understand how a bank can authorize a transaction via your checking account when there are not funds in the account to cover the transaction, I asked them not to do that, and not only do they do it anyway but then charge me {$34.00} for doing it. Seems highly illegal and immoral. Please investigate.

Thank you.
XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX, FL XXXXXXXX, GA XXXXXXXXExperian Dispute Department XXXX, Texas XXXXXXXX, PA XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX # XXXX Recent balance {$2000.00} as of XX/XX/XXXX Date opened XXXX/XXXXXXXX Account number # XXXX Recent balance {$1300.00} as of XXXX/XXXX/XXXX Account number # XXXX .... 
XXXX Account number # XXXX .... 
XXXX Account number # XXXX .... 

I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX ( XXXX ), and XXXX, XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX, FL XXXX
I want this resolve asap ... .My credit has DROPPED further because of this. Status and amount is WRONG.
I never received the right to dispute these accounts. The early warning - notice clause of FACTA section 623 ( A ) ( 7 ) .his law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Caine & Weiner are in violation of the FCRA.
Received notification that my account was past due in the amount of {$960.00}, however when logging into my account it shows a past due amount of {$630.00} and they have n't received a payment since XXXX/XXXX/XXXX, though my payment history on their very same portal page indicates otherwise. Note no payments have been made between these two conflicting amounts. The deliquent payments have a date of XXXX/XXXX/XXXX, though a payment in full was deducted from my account on that day and shows as 'received ' under their payment history. I call Navient because my account is set up on auto pay and I had no delinquent payments per their provided account history. I called on XXXX and was told that my payment for XXXX was already showing as delinquent and that it was a system error, the gentleman said that he was submitting a ticket but due to the holiday it was showing that it would n't process until XXXX XXXX, XXXX. I called again on XXXX XXXX, XXXX as I received another delinquency notification, spoke to a different representative who went through the notes and confirmed that they are resolving the issue and to check back after the year end, I asked for documentation and she said she was unable to provide anything. Called again on XXXX XXXX, XXXX to check on the resolution and the representative said the issue has not yet been resolved and that I could do a forbearance on my account to make it current, I declined as I have always made timely payments and my account reflects as such under the payments section so it was misleading and in bad practice to recommend a forbearance. I asked to be transferred to a supervisor who then speculated that the Auto pay cycle set up for me by them was incorrect and I may actually owe one of the cited amounts. No one was able to view my screen or have an insight into what is actually going on with my account. Their practices are misleading and unorganized. As a consumer who pays my student loan payments on time every month ( to the tune of about {$600.00} ) I was left in tears and with no answers.
BOA XXXX card missing with fraud suspected BOA wants XXXX dollars to replace Negative balance of XXXX dollars with close to XXXX dollars in pipeline for deposit. 
Nearly 30 year customer of Bank of America XXXX of XXXX dollar charge denied and replacement card refused. 

Predatory Retaliation Greater Potential for XXXX XXXX Bank of America thanks in part to Assistant Vice President in XXXX XXXX XXXX efforts to evidently sabatoge my financial well being. 

Thanks.
I have now requested the PMI be removed from my account three times and also sent in the money for an appraisal XX/XX/2016. Ths company will not return any letters of only requested to have the PMI removed. I am well over the LTV of XXXX % to removed PMI adn also have never been late on any payments fro the life of the loan
Equifax conducted an investigation on XXXX XXXX, 2015 on report late payments from a creditor that were incorrect. ( XXXX XXXX XXXX ) - the very next day I received results stating that the historical information was deleted from my profile. To date, the report has not reflected the change.
I am filing complaint against XXXX and TransUnion for reporting inaccurate information regarding Bankruptcy that they are reporting on my credit file. I sent them letter regarding my dispute and I received the results stating verified. They did not verify anything. The information they pulled is from a third-party reporting and that I was told from the Court Clerk they do not report along with attached copy of the letter from the court saying they do not report therefore it needs to be deleted.
Transunion keeps dropping my credit score 20 - 30 points at a time. it takes tem forever to raise my score. I am in perfect standings with my creditors. there is no reason why my should drop off at all.
XXXX from texas guaranteed has repeatedly harassed my potential employers for the past 6 months while I am interning - the employer has let them know I am not a XXXX Employee, even after I complained on here after repeatedly asking them to stop contacting. They do not block the number - so it shows who is calling - and leave messages with staff members to call me, including voicemails on non-secure voicemails that other staff members here stating who they are and why they are calling. The past 7 days alone I have these : XX/XX/XXXX @ XXXX both voicemail and message with staff left by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX at XXXX and XXXX by XXXX XX/XX/XXXX at XXXX and XXXX by XXXX I spoke with the manager after the last time I wrote a complaint on here to stop contacting and clearly that did not happen. How do they expect anyone to ever get and/or keep a job when they do this? 
They also call my family members and harrass them.
Took a loan out with XXXX XXXX for XXXX that 's what they gave me. Never thought it would cost me XXXX, XXXX I would pay double not triple. Is this legal, I want to pay my money and interest, just seems crazy. I was desperate and could n't pay my electric. What can I do, is this legal?