WillisBack/dataset-financial-user-claim huggingface dataset:
Had 2 credit cards charged off back in XX/XX/XXXX, both were with the incorrect last name. I paid them off, and was told that they would be deleted off my report when i submitted my last payment. I paid them off in XX/XX/XXXX, still on my credit. Submitted a dispute error and never heard anything back. I want these two capital one cards removed from my credit.
This debt collector is unscrupulous and the law firm engages in trickery. I had an HOA judgment and they illegally and unlawfully issued a garnishment on a person that was not named formally on the judgment. After payment of what I thought was in full to settle the judgment the law firm later changed the number and came back saying I owed another {$1000.00}, the case was not settled, and they wont dismiss the judgment. The law firm now refuses to adjust their legal fees and/or ask the HOA to remove the late fees and interest ( which I thought was happening when we agreed on the settlement amount that was paid ). I also found out that they sent only a tiny fraction of my settlement total to the HOA so the HOA still thinks that I owe almost the full balance.
After I had received the XXXX XXXX Credit Card, according to their instructions, I called their number XXXX to confirm receipt of the card and hear how to receive a {$20.00} Gift Card. Their representative told me the {$20.00} credit would be applied to my account after my first purchase with this card. 
I made the first purchase of {$17.00} with this card on XX/XX/2018, but the statement came with no credit. 
So I called the credit card company to ask about the statement credit missing, but they took evasive actions refering me repeatedly to the store that has no idea about this credit card statement credit promised.
According to section 202.12 of the " Equal Credit Opportunity Act '' creditors must retain applications for 25 months for consumers The clock on retention begins on the date that a creditor notifies an applicant of action taken on an application or of incompleteness.
I have been having my car payment auto-deducted from my checking account every 2 weeks for the past several years from XXXX. I recently paid off the vehicle last month. 2 weeks after the vehicle was paid for, I received another deduction from my account for a full payment. The last payment was overpaid by a little over {$20.00}, and XXXX ( Bridgecrest ) sent me the remainder before I even asked about it. Right before I received that check in the mail, I had this full payment auto deduction, and it has been a constant battle the past 2 weeks to try and get my money back. The company said they were sending me a check 2 weeks ago for the {$170.00}. I called back to check the status of this, and they said they never sent a check, as they were waiting for me to send a bank statement. This was not what I was told in the beginning or else I would have given them my bank statement. So I sent them the bank statement, and a lady said she would overnight my check to me. I have called back several times since then. It has been 3 days, and I have seen no check and after calling the lady all day today, all of a sudden I can not get a hold of her or anyone in management. I have NEVER had a late payment with this company, and I all I wanted was the money that they wrongfully withdrew from my account. I have taken time out of work, and family life to get this little money, and I have gotten nowhere. This company specializes with poor and no credit customers, and they think they can get away with this because we have no other options. As I paid 18 % interest with {$2200.00} down on a significantly overpriced vehicle, I will not be treated like a second class citizen by XXXX, Bridgecrest, or whatever else they want to call themselves.
I have sent multiple credit disputes to trans union, XXXX, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 5 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX ( says charged off as bad debt ) XXXX ( has two separate accounts one says closed one says charged off ) XXXX XXXX ( charged off ) budget used car sales ( someone stole the car ) And XXXX XXXX
XX/XX/2018 PNC Bank continues to charge me a fee for not having " qualifying deposits, '' even though I deposit more than the required amount each month. I am injured and can not work. I accept small jobs for cash intermittently in order to pay bills and live depositing more than their {$500.00} a month but I can not get employment. They are requiring my deposits be ONLY FROM PAYROLL CHECK DIRECT DEPOSITS which I can not do because no one will hire me with my injury. This is a violation of my civil rights and it violates the XXXX act.
In XX/XX/XXXX I disputed an account reported XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX XXXX, XXXX in the file that was maintain under my Social Security number for {$780.00}. 

I requested debt validation of the debt and after months of disputing this alleged debt it was deleted from my account under XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX by XXXX   and Experian. 

Now I discovered that the item has been reinserted on my credit report by the same buyer ( XXXX XXXX XXXX XXXX, XXXX ) who moved it to an associated collector XXXX XXXX XXXX. This collector refuses to give appropriate debt validation and mentions that they are closing the inquiry that I requested on their XX/XX/XXXX correspondence ( attached ). 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the credit bureaus are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA. XXXX XXXX XXXX attempt to override the law by reporting this alleged debt on my credit reports under their company XXXX XXXX after it was removed by both bureaus as XXXX XXXX XXXX is unconscionable. Unfortunately, the credit bureaus did not inform me of the reinsertion is even more regrettable. 
Therefore, I request that the credit bureaus delete XXXX XXXX XXXX from my account as it is related to XXXX XXXX XXXX ( which was previous removed ).
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  ENHANCED RECOVERY  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Back in  XXXX  of this year I informed the cre dit bureaus that I received a number of Inquiries over 1 week period that I did not submit. I was told that I must get a letter from each inquirer in order for it to be removed. Well I have in the past week gathered all the letters representing all the inquires and have scanned them in and uploaded them in order to get the Credit reporting agencies to remove the inquiries. I was told by many of them it will take up to 30 days BUT I CAN NOT WAIT. I hope with these letters they can expedite in my behalf and just remove them manually.
Since last XXXX I am getting frequent phone calls from this XXXX XXXX XXXX XXXX. As I do not recognize the number, I will not respond but I will get messages telling me that this is an attempt to collect, I do not have a collector behind my back, my credit is good. 
I want for this annoying invasion of privacy and lies to stop and for these people to be exposed and -if the case calls for it- prosecuted.
I closed my account due to stolen card. They told me it was denied me because i make withdrawals at this location. It is the only location near my home. They also stated yhat the withdrawal amount was XXXX at a time where there is a listed withdrawel of XXXX and another for XXXX. This is not acceptable. They alsi saisXXXX did not change my pin on ti.e hkw could i when i did not know till my money was gone
Late XX/XX/XXXX to early XX/XX/XXXX, I was receiving phone calls from Navient regarding that my payments for my student loans were now under delinquency. I had them under deferment period while I was getting my XXXX 's. Navient never once contacted me or my parents through mail, email or phone until after the bill was late by 90 days. I was never informed that my loan payments were due until I received a phone call telling me they were 90 days late. Because of this action on Navient I now have a delinquent account marked on my Credit Report that is inhibiting me from qualifying for loan repayment programs. I have contacted the company regarding the issue, and they are not helpful by any means. Ever since I was informed of my loans to Navient I have been paying over the minimum amount due monthly.
There are many items listed that are past the statute of limitations, I have disputed all of them and yet no one is assisting me. These items listed have been re aged which is against the law. Please help
Hi AAGON Agency Inc enter a collection with credit bureaus and this is the first I heard of the debt. I have no ideal who I owe money too. I do have health insurance and their were no co pays. I need this debt removed to they verify that the debt is mines and from what medical clinic. It 's strange they post this when they got my address to damage my credit
I had suggested to Bank Of America that they should add Airlines to their categories of their debit cards. I asked them if they had received it and they gave me a inappropriate answer.
I was a victim of identity theft fraud and I have filed multiple disputes with this company and the credit bureau, yet it remains on my credit.
XXXX and XXXX are reporting incorrectly that I am 120 days past due on a loan with the DPT ED/NAV - XXXX partial account number XXXX and XXXX partial account number XXXX that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
I got a call from a XXXX number claiming that I had won the XXXX prize of {$850000.00} and a 2015 BMW. I informed them that I was not in XXXX but was stationed XXXX. They then proceded to inform me that because of some XXXX law that I had to pay 1 % to get my money. Of course me being missinformed of things I took {$250.00} and sent it WalmartXXXXWalmart XXXX.
On XXXX XXXX, XXXX a direct deposit of {$200.00} was made into my account within minutes of the deposit my account was hacked. The hacker attempted to transfer {$220.00} from my account by XXXX separate transactions. I immediately called American Express customer services, reported the pending fund transfer. I was then transferred to investigations, answered all their questions, changed secured question, password, etc. I was told the matter would be investigated and someone would contact me in a few days. Although I reported the hacking immediately while the transaction was still pending, American Express proceeded to transfer the money to the hacker! 
I waited until XXXX XXXX, XXXX before calling American Express again. This time when I called, I was told oh they should n't have told you that an investigation takes XXXX-10 business days from the date of the incident. So on XXXX XXXX, XXXX I called again to check on the status of the investigation and get an answer as to why my {$220.00} was still being held. Now American Express is saying that the investigation takes 45 business days!!
DISCOVER FINANCIAL SERVICES ACCT # XXXX CONTINUES TO LIST ON ALL XXXX CREDIT BUEARUS THIS IS NOT MY ACCOUNT AND NEVER HAS BEEN
I have submitted 23 disputes to FREEDOM Mortgage and they have been non responsive to my many concerns related to the processing of my refinance application. I have received several letters from FREEDOM Mortgage stating to allow up to thirty ( 30 ) business days for a response. The response time has expired on letters received as far back as XXXX 2016. I have even sent several emails on these issues. All to no avail. 
I have contacted CFPB, Better Business Bureau, Department of Veterans Affairs and my attorney. Whys has these organization allowed FREEDOM Mortgage to continue to be non responsive to their customers, especially one who is an XXXX Military Veteran with over 30 years of service. FREEDOM Mortgage unwillingness to corporate has lead me to enroll into a repayment program. FREEDOM Mortgage insisted that they did not authorize me to miss mortgage payments during the refinance processing. I provided proof and was told that they did not authorize missed mortgage. FREEDOM Mortgage even stated to CFPB that they did not authorize me to miss mortgage payments. Claiming that documents looked suspicious. Customer may have prepared. I found that their comments were appalling and outrageous. I have attached documents on unresolved issues, numerous complaints against FREEDOM Mortgage.
A charge was posted to my credit card account in the amount of {$200.00} with a date of XX/XX/XXXX. I recognized the merchant, which is a city gym that I use. However, my monthly membership fees there are in the range of $ XXXX, depending on specials and discounts. As such, the {$200.00} charge is way beyond typical billing amounts, which the credit card company can see in my billing history with this merchant. 

I initiated a dispute with the credit card company in early XX/XX/XXXX, which they denied by letter of XX/XX/XXXX. Their stated reasons were that the charge was " within my spending area '' and they contacted the merchant who informed them that the charge was valid. 

Under this logic, a unrecognized charge would always be deemed valid on the merchant 's say-so if it was with a vendor with whom the cardholder had an ongoing relationship. This would leave consumers without any protection against mistakes and fraud by such merchants and can not be consistent with legal protections. I would like assistance from the CFPB to protect me and other consumers in my position.
I keep getting threatening from calls from an XXXX company that is scam. They are calling from a no caller ID number threatening to contact the local law enforcement in XXXX ms about a loan. They are harassing me to give up bank account information and pay it in full with a debit card. When I refuse they will call my cell phone back to back up to XXXX times a day and have even called my job leaving messages to call them at XXXX. I contacted the Ms Attorney General and filed a complaint they are a scam.
I have received all credit agency credit report in XX/XX/XXXX. I started to send letters to begin the disputing process upon the inaccurate information. Nothing happened, so on XX/XX/XXXX I started to make phone calls to each bureaus, I realized that there were addresses that did not belong to me. As like, XXXX XXXX XXXX, XXXX, Florida XXXX is one of them. I have disputed these with all three, XXXX, XXXX, and Experian. Added a Fraud Alert on  each credit bureaus account. 

As of XX/XX/XXXX The address was removed from all three credit bureaus either by a phone call or by a letter. 

XX/XX/XXXX I reviewed my credit report and realized this address XXXX XXXX XXXX, XXXX, Florida XXXX has reappeared on my credit report. i did not receive any notification as to why this address re-appeared on my credit. 

I have attached proof of notation of removal or the report is shown the address is removed.
I keep a close eye on my credit report. As this account is not on my   XXXX   report. It did appear on the mortgage companies report they pulled from  XXXX . This account is not mine and I was not notified of this account. Also, it puzzles me that I was informed of this account from a mortgage lender. FCRA laws have been violated here. The sneaky way of ahving this on a mortgage lender report and not the   XXXX    report from them. This should be investigated by CFPB and my attorney for violation.
NorthStar Location Services , LLC is reporting on my credit report for XXXX. I 've contacted NorthStar and ask for the original indebtedness of said account to no avail. NorthStar has sent me account activity information and a break down of the amount. This is against the law for this company to continue to report false information on my credit report according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Someone stole my personal information and fraudulently obtained a bogus credit card. This started in XXXX XXXX 2015. I became aware of this when XXXX XXXX in XXXX, XXXX contacted me of this illegal activity. I reported this to the XXXX Police Dept in XXXX Case # XXXX with XXXX XXXX XXXX conducting the investigation.They started a investigation along with XXXX XXXX and XXXX XXXX in XXXX, XXXX who then turned it over to XXXX XXXX XXXX who have closed the case. 
Many outstanding charges started mounting up on my credit causing my credit score to start dropping. 
I lost my husband last month and I need for someone to correct these errors. I am a victim who is XXXX old that needs HELP!! 
XXXX XXXX XXXX
Complaint : A US Bank customer service rep directed unfair and derogatory states to me during a phone conversation. Her statement, " The payment you made to your credit card is on hold, because XXXX XXXX can be done this way. '' Facts : On XX/XX/2018, I made a payment of {$13000.00}, to payoff the balance of my US Bank credit card account ending in # XXXX. This transaction was done on the phone, facilitated by an account specialist. She transferred the amount from my US Banking checking account to pay off the balance. ( Those funds came from my external XXXX XXXX investment account which was already held for three days and funds were now available to use ) She said the payoff balance was paid in full. 

On the morning of XX/XX/2018, I checked the account online and I noticed the available credit was only {$1100.00} for an account with a credit limit of {$13000.00} that had been paid off in full. I called to speak to a US Bank customer service at approximately XXXX am to get clarification. After a few minutes of conversation and investigation she informed me that, there is a hold on the account because my transaction was out of the norm for my account. I explained to her that I did not think it was fair and I was not told this would happen when I made the payment. Part of her explanation was, The system flagged the transaction, and that money laundering can be done this way!
On XX/XX/XXXX, Chase changed our monthly mortgage payment from {$1200.00} to {$1200.00} without any prior written notice or an escrow analysis. Chase misapplied our XX/XX/XXXX mortgage payment that was sent by USPS certified mail on XX/XX/XXXX and our XX/XX/XXXX mortgage payment that was sent by USPS certified mail on XX/XX/XXXX. As of XX/XX/XXXX, Chase has not provided an escrow analysis for changes to be made to our escrow payments.
equifax has unlawfully allowed false inquiry on my files which i did not authorize. over five companies showing. furthermore remains non compliant with removal of : XXXX XXXX XXXX XXXX or XXXX XXXX-10years old account XXXX XXXX- disputed in full, unauthorized charges present XXXX-not collecting and no response XXXX- hostile torwards me, TILA violation, bureau non responsive in removal, atty hired served with other accounts for removal and keeps adding them back.
I was recently made aware of a current lawsuit against a collection company known as EOS CCA located in XXXX, MA. They currently have an open account from XXXX XXXX XXXX as of XXXX XXXX, XXXX for a balance of {$220.00} established in XXXX. I have in the past disputed this account and then eventually paid it in XXXX. Of course that was with a different bank account I had back then with no proof of payment. I have yet to receive any communication from this collection company or an option to dispute. This continuously keeps attacking my credit. Any advice or help would be appreciated. 

Thank you.
I purchased a vehicle in XXXX XXXX and the transmission went so they gave me another car and the price went up and my finance company changed also they jacked the price up saying I put a certain down payment that did n't add up it was false it was a scam and now I owe so much money and the book value was n't adding up
I had a lease terminate with Ally Financial. I did not believe that I owed them anything but agreed to pay them {$50.00} a month. They put the account in charge off even though I continue to pay. This act lowered my credit score by over XXXX points. They are wrong to do this.
On XXXX XXXX XXXX, I went to XXXX of XXXX ( XXXX XXXX ) to get a loan for a used car. I talked to a salesman because I already knew the car I wanted ( I went the day before that and already saw the car ). When I test drove the car and decided on the price and the monthly payment before he pulled my credit I clearly told him that I 've read that sometimes when you shop for a car the dealership pulls your credit and it can create multiple hard inquiries on your credit report and these could be in the report for up to 2 years. He assured me that they do n't have such practices. He went and came back with my credit score which was XXXX. It went well afterwards because they were able to stay within my range of payment. I went to see the financial guy and asked the same questions about the possibility of hard inquiries and he told me and assure me that they do not operate like that. I did believe them and after 2 hours of transaction and a interest rate of 6 % I drove with my new possession. On Tuesday, I received an alert on my XXXX XXXX stating that I had something in my credit report that needed my immediate attention. It turned out that the dealer made XXXX hard inquiries on my credit. Of course I tried to call them after that and after so many unsuccessful attempts to reach somebody who could explain this situation, I finally decided to go and talk to the XXXX. He did not care much about me or what I had to say to him. He barely paid attention to what I was trying to explain and my confusion. he vaguely told me that he would try to " find out what happened '' and he was done! Since I was outside in the dealership parking lot he decided to come back to me and explain that he just saw the report and that they did all those inquiries because XXXX of the bank did not want to finance. My question is : how about the other XXXX. The dealer and the financial guy were nowhere to be found. That is how I talked to CFPB to see what were my options. I would like to confront them and have only hit on my credit. I just made a home purchase and had XXXX hard inquiries. XXXX is abnormal to me and what is frustrating is the lies and the disrespectful way of dealing with consumers. I work hard for my credit and believe that I was treated poorly. They made all those hard inquiries in 1 day so I it should be counted as XXXX hard hit and not XXXX. Thanks for your time