WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I have tried multiple times to dispute the account under XXXX XXXX XXXX and they continue to say the debt is verified by only sending me copies of the billing statements. This account as due to identity fraud. Also, I have verified that they are not licensed and bonded with the State of Michigan by using the website XXXX XXXX XXXXXXXX 

One amount is for {$1100.00} and another is {$1700.00}
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX/2015, 60 days XXXX/2015, 90 days XXXX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Today XX/XX/2018 I received from Experian credit reporting agency the results from an investigation. Experian did nothing because the before and after investigation is all the same. I am uploading pictures to show proof. Experian writes they have updated the information and review my report. First off this XXXX  XXXX XXXX account is fraudulent. I have been disputing this for over a year now. It is extremely frustrating that my credit is being impacted in a negative way for a fraudulent account.
I had a problem with Bank of America they closed my account because I had a few over drafts on my account but all was paid even after they closed the account now I cant get an account no where else because they have me down a I owe them money but the money was paid I even called and talk to a lady and she didnt see nothing there that say I didnt pay but when I go and try to open an account some where they say that I owe another bank and thats the only bank that I had
I am a XXXX with XXXX complete years of service. I have applied for grants like XXXX and the XXXX Forgiveness program, but have not had any luck in contacting anyone to answer my questions. I never received any money from XXXX after my five years of service and now that the Department of Education has switched their loan servicing website to Navient, my XXXX Forgiveness starts over from the beginning! Instead of having three more years until loan forgiveness, I now have seven more years, which is unfair. My monthly payment is {$660.00} a month and every month, my student loan balance seems to remain the same.
On my Citi Professional Cash card statement of XX/XX/XXXX, I am being charged a late fee of {$39.00} and interest charges for {$24.00} after I 've been clearly told on many previous phone calls with citcards ( most recent call was on XXXX XXXX ) that payment was due on or before the XXXX of each Month to avoid late payment and interests. I had consistently made full statement balance payments since XX/XX/XXXX to avoid late fee and interests. Because I was mislead by citicards I 've asked for reversal of these fees which one their Citi supervisors said that he 's unable to reverse. I 've been with citicards over XXXX years and never had issues of late payment on my account. The only reason there is a late payment this past month is because of the misleading information i was given.I 've asked citicards to provide me with full disclosure of how billing cycle days are calculated so i can get a good understanding of how due date are changing on my account. Citicards is saying that they can not provide such document. I would like the Consumer financial protection bureau to help resolve this issue with Citicards and get me the reversal charges of {$39.00} and {$24.00}. I think Citicards used misleading tactics to gauge me for additional charges. 

Sincerely, XXXX XXXX
I submitted a complaint to CFPB in XXXX XXXX against debt collector LVNV Funding LLC concerning a debt I deny owing them and after requesting in writing that they stop all communications about this matter, they have contacted me yet again on XXXX/XXXX/XXXX regarding this debt. This Debt is past the statue of limitation, which they acknowledge in their most recent letter, yet they continue to ignore my written request to stop all written and verbal communications. 

I would like the harassment to stop and I am asking your office to contact them and put an end to this situation. Thank you.
The two collection accounts below are not mines. i have disputed these with collection companies. they posted debt prior to giving me 30 days to dispute charges, with is against FTC regulations. 

1. XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX {$3900.00} {$3900.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$5500.00} {$5500.00} XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX The accounts below are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX Account # XXXX 2.   XXXX Account # XXXX 3.XXXX XXXX XXXX  XXXX Account # XXXX
For weeks now I have been attempting to link my online banking with a trading platform and unfortunately I have notr been able to. I have done it twice and since then the bank unlinked my account and refused to allow me to link them again. I get an error message everyrime I make such attempt. One error message read that the bank is blocking me from linking my accounts. I called the bank, not to mention the ongoing struggle of getting ahold of customer service. Almost everytime I reach them, it takes at least 30 minutes ro finally speak to a representative who told me that its not them while it is. A previous issue that Ive had was with changing my pin because it, when I called it took half an hour to speak to a rep who told me I have to go in a branch to change my pin, lying about a policy change that this service is no longer available over the phone. When I checked online it clearly indicates that I can always call to change my pin. Not ro mention when I asked for an escalation to a supervisor they made me wait an hour until they hung up. NO EXAGGERATION!! Mind you I have activated voice recognition meaning there is no concer of fraud. Terrible service.
I made a purchase of {$980.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Hello, I opened an account with Citi to receive a XXXX bonus. Here is a timeline of the events : XX/XX/18 Opened Citi Checking and Savings using offer code. 
XX/XX/18 Funds electronically transferred XXXX to checking and XXXX to savings per the requirements. 
XX/XX/18 I qualify at this 60 day mark but I need to leave funds there until XX/XX/18 aka 90 days after qualifying. 
XX/XX/18 I did online chat with Citi verifying that everything was in place and was told funds would be deposited on XX/XX/18. I saved the text of this chat. 

XX/XX/18 Viewed account and did not see bonus. Citi opened an investigations but they admitted they should have applied the bonus. Their back office is determining why. They said Id receive an email from back office by XX/XX/18. I did not receive an email and I verified they have my correct email address. 

XX/XX/18 I did chat again where told email would be there soon. I saved the text of this chat. I did not receive an email and I verified they have my correct email address. 

XX/XX/18 Chat again and was promised email by XX/XX/18. I saved the text of this chat. I did not receive an email and I verified they have my correct email address. 

XX/XX/18 Still waiting on an email from back office. 

XX/XX/18 Still no email regarding bonus so reached out to you at consumerfinance.gov for assistance.
I received a notice of collection placement letter from EOS CCA, statement date XX/XX/XXXX for the amount of {$120.00}, original creditor XXXX, current creditor XXXX XXXX XXXXt XXXX. I called EOS CCA on XX/XX/XXXX to find out more because I don't recall having an account with XXXX. The EOS CCA staff told me to contact XXXX, and possibly file fraud via XXXX 's website. I called XXXX on XX/XX/XXXX, their staff can not find any accounts under my name. I went on identitytheft.gov and chatted with their staff for advice, and was told to first find out if the charge appears on my credit report, if not I should file a complaint with CFPB. I ran a credit report with XXXX on XX/XX/XXXX, did not find the charge, called CFPB hotline for advice, and decided to file a complaint online.
On XX/XX/XXXX, I contacted XXXX about a closed account from XX/XX/XXXX. XXXX had sent a collection to a collection agency, ERC, totaling {$200.00} without sending me any notification of the amount owed. After being shuffled around on their telephone help line four nearly an hour, I was finally able to talk to one of the associates who described the charge as a " early termination fee ''. This fee was assessed to my account after it had been closed, and the associate verified that the charge was inaccurate and that the account should be balanced after removing he credited my account the amount owed ( the confirmation number for this is # XXXX ). After I had received the confirmation number, I filed a dispute with the three credit unions, and all but XXXX were able to verify that the collection was not valid. I do have the file number for the XXXX dispute claim in which they conducted an investigation and found the claim to be valid.
I went to XXXX to see a doctor for a XXXX issue. When I arrived at the reception desk, I provided my insurance information and asked whether there would be any out-of-pocket charges. I was assured there would not be any. As such, I saw the doctor and they ran several exams. A few weeks later, I received an invoice in the mail and immediately called XXXX to dispute the charge. After all, I'd been told there would be no charge. I spoke to two different people at XXXX and both rejected my dispute outright with no research and were openly confrontational. I later received a notice from Sequoia Financial Services notifying me they would send a notice to the major credit reporting agencies that I neglected to pay. I called them and told them the situation and they were uninterested and insisted I pay. I never would have seen the doctor had I been told there was an out-of-pocket fee. And especially not if I had known just how expensive that out-of-pocket fee would be ( now {$610.00} ). Fast forwarding to today, I now have reports with all 3 major credit reporting agencies that have lowered my score from the high 700s and low 800s and brought it down to the 600s. This is patently deceptive and amounts to extortion ; threatening my finances to get paid for a service they assured was covered.
I was required to be late by FHA. Supporting documents attached. 

Divorce proceedings were started XX/XX/2014 and finalized last month - ex wife XXXX XXXX XXXX. I was mandated to pay child support to my ex-wife for her and my XXXX children that share in part-time custody. I do live in the home over XXXX % of the time due to the children reluctances to understand the divorce and are in the process of continuing to move out of the property. I am currently living part-time with my parents. Please release the deficiency of the loan balance as I am unable to pay the remaining balance owed and please apply me for any incentive programs the investor offers since this is technically my primary residence. Due to the divorce, my household income has decreased over XXXX %, while my expenses have increased well over XXXX %. Please see Divorce Decree for amount paid to my ex-wife. I do apologize for this and wish I was able to pay the balance I committed to, but I do not see in the foreseeable future that I will be able to keep the home and currently have a contract on the property to Short Sale the home.
I have been with American Express since XX/XX/XXXX. You can see from my records that I paid in full without default over these times till XX/XX/XXXX, when this incident happened. XX/XX/XXXX due to our business expansion and travel I had a shortage of cash flow and had a delay in payment. On XX/XX/XXXX a representative form American Express called about the payment delays and I agreed to make full payment in 4 installments on the condition that fees, fines and annual fees will be waived ( by this time there were fees and fines imposed ). Based on this agreement, one fourth of total amount I owed ( {$1200.00} ) was paid immediately with the customer service agent. Then I was instructed to make 3 more payments beginning of next month. I did a second payment of  {$1100.00} on XX/XX/XXXX Based on this plan I was to make next payment on XX/XX/XXXX and the final payment on XX/XX/XXXX. Unfortunately, beginning about XX/XX/XXXX I started getting many calls from American Express demanding immediate payment of full amount of {$2400.00}, including fees and fines which were waived earlier by the customer service person who arranged the 4 installment payment plan. So, I decided to hold further payment until this issue was resolved, although I did make minimum payments of {$100.00} and {$200.00} each in XX/XX/XXXX and XX/XX/XXXX, hoping in good faith this could be resolved. Since then I got many threatening calls from American Express about this, none have resolved the issue. In XX/XX/XXXX I got collection notice from XXXX XXXX, agency for American Express, with a demand for payment of {$2400.00} ( which included fees, fines and annual fees ). After contesting this with the collection agency and American Express, I agreed to pay the amount of {$1900.00} once they agreed to waive the fees, fines, and annual fees. American Express also agreed to remove information posted on my credit report. I paid this amount as I agreed in XX/XX/XXXX. Then I received a letter ( dated XX/XX/XXXX, see attached ) from American Express stating that we removed the amount under review for {$1900.00} from your account. But, this has not happened since my credit report from XXXX still showing charge off, written off {$2400.00} even now. They also stated that I still owe {$560.00}, which are fees and fines, in disregard to the agreement we made. I received another letter from American Express ( dated XX/XX/XXXX, see attached ) stating that Due to technical error, we overcharged your Employee Card annual fee ( s ) and are now refunding those fees. This also not happened since all my credit reports shows charge off and balance due. Now one of my credit report, XXXX, shows charge off, balance of {$2400.00} and others ( XXXX  and XXXX ) showing charge off or balance of {$480.00}, which are wrong. As you can see from the explanation above I have paid all debts due to American Express. Because of the erroneous credit report I am having trouble getting loans and declined. I request to resolve this immediately so I can be financially stable.
Over the past few years we have been contacted by the collection agency Knight Adjustment Bureau about our car that was given back in XX/XX/XXXX and they always send us a paper stating that we are not being cooperative and that they will report and damage our credit which it was already reported. The tone of the letters are always threatening and when they call the use the same threatening tone. We have asked numerous times about getting a validation on exactly we owe but we never get it. They even said on the phone that there was 2 amounts listed, we were never given notice of sale after we voluntarily gave the care back or when and how much it was sold for. On our credit they listed as a involuntarily repossession. We sent a certified letter asking once again for the validation on XX/XX/XXXX and it came back yesterday the XX/XX/XXXX unclaimed. We have tried numerous times to get this resolved and they have yet to cooperate with us.
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Hey I spoke with customer service at transunion and XXXX they wouldn't take care of the negative inquiries reporting on my credit report
Debt Collector- Hunter Warfield INC Original creditor name - XXXX XXXX . 
The complaint is about not oweing that company {$3700.00}. 
The problem I am having is I tried to lease an apartment from the original creditor and the place was really bad. I did not move in to the apartment. The first day I was suppose to move in I told them this is not safe for me and my family and I did not even touch the apartment. They called me harassed me and told me I owe them thousands of dollars even though I did not move in. I tried to talk to them but the person I was talking to was yelling and cursing and they put it on my credit.
My vehicle is currently past due and approaching repossesion status.  XXXX has started going through my XXXX account to call XXXX friends asking my telephone number and or location.  They have caused many problems with families whom I do not have a personal relationship with.. I am getting all kinds of XXXX friends contacting me in anger about these calls to their homes.  I have asked them to discontinue contacting my XXXX list of friends, some of which I have no active communication with with exception to reading timeline posts.  They continue to do this.  They also call my emloyer at least 10-15 times a day.  I can not receive personal phone calls at work.  I have relayed that information to them as well.
ONCE AGAIN COLLECTOR TRYING TO COLLECT 2-3 DEBT DISCHARGED IN BANKRUPTCY XX/XX/2018 CASE NO.XXXX AND CALL US ON CELL 3-5 TIMES IN VIOLATION T.C.P..A. AND FDCPA. WE HAVE SCREEN SHOTS AND VOICE RECORDINGS.
I contacted XXXX XXXX Customer Service on numerous occasions with no response. I have a letter dated XX/XX/XXXX informing me that payment is due for XX/XX/XXXX. 
The payment was made and the bank has not applied my payments. This has affected our credit report. We need a response from this bank on why our payment are not being applied properly and why we have not received notice. I was informed by XXXX @ XXXX XXXX there was a $ XXXXpast due ; this was paid. 

Date Description Amount Balance Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Rate change Click to expand XX/XX/XXXX Reversal - Payment XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Reversal - Payment XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment
I attempted to logon to Experian to obtain access to my credit report. I need a credit report number to file a dispute and the service I use through XXXX does not give me a credit report number. When I attempt to login to the site, to purchase a copy of my credit bureau, it gives me an error. I contacted Experian ( as per their website instructions ) and I was told due to an internal error they were unable to reset my password and I could not access my report. They then suggested I call XXXX to see if they could help. I advised them their internal computer error was not my issue and that I needed a copy of the report. They refused to assist me. I spoke with a supervisor named " XXXX '' in the Texas office - ID XXXX who refused to transfer me to a manager and told me she had no information on any regulatory agency governing the bureau. I would like to be sent a copy of my credit report so that I may dispute an item that has been reported to me through a 3rd party ( XXXX ).
Collection agency has repeatedly called me after  XXXX  since  XXXX / XXXX / 2017 . I have called the company back on  XXXX / XXXX /   2017  and told them to stop calling me so late. The calls still continued. This is in violation of the FDCP A 802 ( a )  and the company has not sent me any notice after the initial contact on  XXXX / XXXX /   2017  when I spoke with them. Collection agency also did not tell me what this collection was for when I spoke to them on the phone.
I had a debt mgr program with XXXX that went rouge on my account, which caused double payments to my bank account and failed to send payments to my creditors which caused a backlash of late payments. Discover customer service offered me a way but only to catch me up with several small payments and told me I would still be marked and fee for being late even with small payments. Then my bank placed a stop payment all together with Discover without my acknowledge, I had to find this out after asking Discover why my account kept returning payment even through I kept trying to pay the bill. I asked for my card number and they refused to give it to me. I gave them another account number to bring the account back to current and was promised that they can reverse the fees and negative reporting through customer service.
I initially disputed this account XXXX/XXXX/XXXX with XXXX via XXXX. After the file was investigated it was confirmed that the account was activated at my property XXXX year prior to me buying it. I have proof that I closed on the house XXXX/XXXX/XXXX. XXXX should not report this on my credit report. 

This is a excerpt of the letter I received from XXXX. 

We have investigated your complaint and found our client, XXXX, listed the above-referenced account in our office on XXXX/XXXX/XXXX to collect on their behalf. The account was activated at an XXXX XXXX XXXX address on XXXX/XXXX/XXXX and disconnected on XXXX/XXXX/XXXX. The last payment was received on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, any negative reporting XXXX made to the credit bureaus was marked for removal as a dispute. 

It appears your dispute regarding the account is with our client. We have closed and returned the account to XXXX, as well as forwarded a copy of your complaint and our response. Any further information or questions regarding the account will need to be addressed to XXXX. 

XXXXAs of XXXX/XXXX/XXXX XXXX is reporting this same account on my credit report again through Enhanced Recovery. Please help put a stop to this.
Per previous cases Mariner financial agree to send me the insurance forme and stated once they received the form they will updated the credit files and removed the negative information. And they have n't I request this information to be removed permanently from my credit file as I have complain with Mariner Financial.
i have this collection on my report from Transunion and only Transunion its not mine. I sent them a letter asking for proof or some sort of account information. They sent back a letter saying verified. no proof given at all. Just XXXX work Verified. How? Who? They dont want to say, Please delete it asap.
Experian has failed to provided physical verification according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ).