WillisBack/dataset-financial-user-claim huggingface dataset:
Experian is reporting fraudulent accounts on my credit report that is effecting me severely financially, emotional and mentally. Recently I was denied employment with a finance company for these erroneous accounts. My last dispute requesting to remove the fraudulent accounts was on XX/XX/18 through the CFPB ( CFPB ref # XXXX ). I received a response from Experian on XX/XX/18 stating I would need to submit a FTC Affidavit signed by law enforcement for them to proceed with blocking the fraudulent accounts. I have attached the requested FTC Affidavit to this dispute, it is also signed by officer XXXX with XXXX. 

I have cc 'd the CFPB in this dispute due to past difficulties having these accounts removed by Experian. My next and final step will be filing a civil lawsuit in my county. I will name Experian, the person ( s ) who accepted my letter and denied my request all as defendants for violating my FCRA consumer rights ; willful noncompliance and negligence. 

Please remove these fraudulent accounts promptly, by law this would be within 4 days of receiving my notice.
These fools send me a letter that claims they deleted there sloppy blunders. This is a lie. Flagrant incompetence. WHAT is this inaccurate garbage still doing in my file? After claiming it was deleted. I just seen it again online 5 minutes ago today? XX/XX/2015 I told them a month ago, I want these expired, inaccurate addresses deleted, they agreed, never complied to. Plus, they have some ridiculous landline number with XXXX XXXX ( XXXX ) for a area code. What do you call this sloppy incompetence?! # Willful gross negligence, stupidity, what?! # That XXXX cellphone XXXX is inaccurate and I cancelled with verizon. PLUS, that XXXX partial number, they must fish for errors?! #
I have been disputing this account since I first received notice from Convergent Outsourcing. No matter what I request ( validation of the debt, proof of amount, proof they are authorized to collect debt and proof they can collect debts in Rhode Island ) they simply respond with a form letter with a pen mark checking off this debt is valid. They are refusing to offer any supporting documents. 

I am not sure they are authorized to collect this debt. I would also like to see the contract I signed to see whether they are abiding by the terms of said contract
My state tax lien was vacated/expunged by the XXXX, however it is still showing on my XXXX credit report. I sent a certified letter to Equifax on XX/XX/XXXX along with proof of the Expungement requesting that the tax lien be removed from my credit file. On XX/XX/XXXX I received the results of the investigation and XXXX did not delete the tax lien from my credit file. Their response was they verified the information with Lexis Nexis.I contacted Lexis Nexis on XX/XX/XXXX and spoke to a representative who first had a difficult trying to locate the file because she said it was archived. I informed her that the tax lien was expunged and no longer appeared in the XXXX records or the County Register of Deeds records. The representative asked me to send her a copy of the Expungement which I scanned and emailed to her. I received a generic response stating they were currently reviewing my communication. I am at odds with XXXX because it is like pulling teeth to get them to remove inaccurate and damaging information from my credit file. Once they received the Expungement that should have taken care of it, there was nothing to investigate. My credit is suffering due to this and it is making it difficult for me to purchase my home.
On XX/XX/XXXX, I sold a vehicle ( private party ) that was financed with GM Financial. There were two checks included with the loan payoff form ( the first : {$12000.00}, and the second : {$13000.00} ). Both were cashed on XX/XX/XXXX, however only one ( {$12000.00} ) was applied to the account. I have had to contact GM Financial over a dozen times, by phone and by website chat. I have provided signed front and back copies of the check to at least 3 individuals as requested and still have no resolution. In the meantime, I am making payments on a vehicle that was sold two months ago. GM Financial seems to be in no hurry to help resolve my issue and it seems absurd that it would take this long to locate a check that was already cashed by the company. I sold the vehicle for more than I owed, so I am waiting for approximately {$2600.00} to be refunded once the check is found.
I lost my job twice ; once in XX/XX/XXXX and again in XX/XX/XXXX. During this time, I struggled to make my monthly car payments and fell behind by 5 months, total. I spoke with the XXXX, North Carolina State Employees Credit Union and they asked that I keep them updated on my re-employment status. I kept in contact with them and let them know when I was re-employed. They informed me of the outstanding balance, which was about {$2100.00}, for my vehicle and that re-possession would be implemented after my loan was delinquent for 180 days. I asked if there was anything that I could do to put off the order, but XXXX, the SECU representative informed me that there is nothing that could be done to help me. Following the discussion, I saved enough money to pay the full balance. Once I paid, XXXX sent me a letter, stating that my car loan status was current and noted that the next payment was due on XX/XX/XXXX. I made my car payment on XX/XX/XXXX in the amount of {$450.00}. I woke up on the morning of XX/XX/XXXX and my vehicle was not in my driveway as I left it on the night of XX/XX/XXXX. I spoke with the bank on XX/XX/XXXX and they said that the amount quoted to me earlier did not satisfy my loan. I asked why was this not communicated to me. I satisfied the amount that she quoted. She added that I would have to pay the repossession fee of {$370.00} plus a daily storage fee of
USAA XXXX lowered my credit limit from XXXX to XXXX for inactivity! This has negatively impacted my credit rating and my ability to get a mortgage all because I keep this card for emergency 's and do n't charge stuff all the time. My wife also has a credit card with them but they have n't bothered her limit. This is inconsistent at best and discriminatory at most. Is it because of my race or gender that I 'm being treated different then her. My credit rating was excellent before they arbitrarily lowered my credit rating.
This a formal complaint against TransUnion regarding inaccuracy on my credit file. On XX/XX/XXXX I discovered that XXXX XXXX account number XXXX opened XX/XX/XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX and XXXX which I have proof. I know that CRAs do not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified TransUnion in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX and XXXX by DELETING/REMOVING this account from my credit file.
i disputed with EQUIFAX a collections account with contract callers for a amount {$240.00} that has BEEN PAID and i sent Equifax a copy of the receipt. They emailed me XX/XX/18 saying the dispute was completed but still show not paid as a collection! They have locked me out of checking on this dispute! ( dispute conformation number XXXX )
Payment was made XXXX XXXX, 2015 on Bank of America mortgage account # XXXX in the amount of {$2100.00} ( for a regular payment due of {$2000.00} + an additional principal payment of {$150.00} ), well within the 16 day grace period where a late fee is not charged. That payment cleared my checking account with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. 

However, reviewing my Bank of America mortgage statement for Bank of America mortgage account # XXXX, my {$2100.00} payment is noted as " {$2000.00} payment posted '', a {$51.00} late fee was charged, and the additional principal of {$150.00} was not noted. Why was I charged a late fee when my payment, for more than the regular monthly payment was made well within the grace period? 

This appears to be more of the same bad behavior Bank of America has become well known for, settling more than XXXX class action lawsuit, paying a huge penalty to settle each lawsuit. Please see the attachment showing the XXXX XXXX, 2015 {$2100.00} withdrawal from my checking account with XXXX XXXX XXXX XXXX XXXX " Bank of America/TYPE : Mortgage Co ; Bank of America ''.
CapitalOne credit card is refusing to close my account. I closed it by phone with them on XX/XX/XXXX. I did everything I was told to do in order to pay the account in full at that time. I continue to get billed. They continue to add more and more charges. They have blocked my efforts to contact them via email. I mailed them letters to stop.

After my last attempt to resolve this with the Co, I received a letter asking that I " call '' to solve my problem. However, knowing that a phone call got me nowhere in XX/XX/XXXX I wrote this letter in response : XX/XX/XXXX Capital One : This correspondence is In reply to your letter dated XX/XX/XXXX, that I received on XX/XX/XXXX I have enclosed a copy for your reference.

I decline to " call '', as you have requested. I am in process of pursuing complaints against you with consumer protection agencies which protect my rights.

I can see no reason that a phone call to you would make any difference at this point. All contact I am having with you is by email, hard copy mail and through these agencies.

This allows me to have a record of your practices No phone call would afford me any advantage.

If you do not wish to do the right thing as regards my original complaint. I fully expect no phone call between us would change that.

I demand you close this account. Retract any and all charges you have placed on the account after the closed dateXX/XX/XXXX, and honor the information I was given by your customer service representative on the phone on the above date, when I was given the balance to be paid in full at close of this account.

I am not letting this matter go. I will fight you on this until I get the resolution I deserve.

Sincerely, XXXX XXXX XXXX
I am attaching a copy of the letter I sent to Equifax on XXXX XXXX. Over two months have passed, and I have yet to receive a response.
On XXXX I was contacted by PNC loss prevention about possible fraudulent activity on my debit card. The card was cancelled at this time and I confirmed the transactions in question were in fact fraudulent. I was informed that PNC has a zero liability policy for their consumers so the fraudulently removed funds would be refunded to me. 
XXXX Two fraudulent transactions posted from XXXX in XXXX, MI dated XXXX. I called and disputed these transactions. I received a " provisional refund '' for both transactions in the amounts of {$52.00} and {$65.00}. 
XXXX A fraudulent transaction posted from XXXX in XXXX, MI. I called on XXXX and disputed the transaction and received a " provisional refund '' in the amount of {$55.00}. 
XXXX Two fraudulent transactions posted from XXXX in XXXX, MI. I called XXXX and disputed these transactions and received a " provisional refund '' in the amount of {$65.00} and {$100.00}. 
XXXX Three fraudulent transactions posted from XXXX in XXXX, MI. I called on XXXX and XXXX to dispute these transactions.The representative stated on my call on XXXX that she did not know why I was not issued a provisional refund and said I could call the Dispute Resolution Department. I was informed on my call on XXXX to the Dispute Resolution Department that I would not be issued a refund for these transactions " pending further investigation ''. The amount of these transactions were {$75.00}, {$75.00}, and {$74.00}. I was told it would be 10-90 days before I would receive a refund only if the charges were deemed fraudulent. 

PNC should be responsible for issuing my money back while they conduct their investigation considering their zero liability fraud protection for consumers. None of the representatives I have spoken to will give me an answer why they will not refund the last 3 transactions.
Complaint : CitiMortgage, XXXX & XXXX posted our mortgage payments from XXXX XXXX to present year XXXX and called to collect over the phone payments ( EFT - electronic funds transfer ) for the ( ACH - automatic check handling ) payments in the form of personal checks already posted to our account, assessed us late fees for additional payment applied to principal ( misappropriated installments including XXXX PA real estate taxes, city of XXXX PA taxes and XXXX Area School District Taxes ), reported out posted late to national credit bureau XXXX XXXX and XXXX when our Mortgage insurance payments were never late, our CitiMortgage note terms should have been stated in rider when servicing changed ( XXXX of the month due with 15 days grace period ) we were never late greater than 10 years of payments, applied additional fees for servicing, denied loan modification application, denied refinance application, denied federal application for HARP, added additional interest on our original note dated XXXX XXXX with fixed 5.5 % interest backed by XXXX and added additional finance fees on top of the finance fees assessed on our settlement document, thus misappropriated our mortgage financing with interest payments reporting us in foreclosure as delinquent - erroneously. We wish to receive legal writ of satisfaction for all mortgage payments applied to principal and mortgage loan note. We provide the attached uploaded document record of all carbon copy personal checks log, and printed franked records made available online. We wish to include class action notice with XXXX c/o XXXX and have not received any payments nor listed us for XXXX records. CitiMortgage, XXXX & XXXX have exceeded 7 - 10 days written response to our letters, exceeded the 30 day investigation thus escalating our qualified requests in writing for mortgage principal payment adjustments citing additional yearly payments applied, denied request for reverse late fees providing franked records of posted payments withing the note guidelines, and failed to refund monthly monies assessed accordingly. We provide detailed documents to stop phishing, harassment, imposing XXXX, undo stress and deformation of character. We seek restitution thereof, to be made whole, and immediate writ of satisfaction ( mortgage paid in full ) immediately.
I am disputing the charge of {$470.00} on my credit report from XXXX XXXX XXXX. Apparently a final bill that I never received. {$510.00} seems high for a residential utility bill?? however if that was the final bill I had with XXXX the {$50.00} refundable deposit would have reduced the bill to {$460.00}.?? I dont know ... this is not my bill ... 
Please help me to resolve this issue to clear from my credit report. It is being reported by all XXXX bureaus. 
Attached is a copy of my XXXX application and refundable deposit amount. 
My desired resolution with XXXX XXXX XXXX is to show this bill as Paid as Agreed or even better deleted from my credit report as it is showing under collections.
While the glitch with the rushcard system updated was taking place, I had my gas and electricity service disconnected and was served a 5 day notice to pay or quit at my current residence ... ... The customer service during this phase was horrible and I was almost terminated from employment due to attendance issues while.I.tried to contact different agencies and friends/ family to assist with XXXX worth of bills ... .... Once the glitch was " fixed '' I still had problems accessing my funds and to this day I have yet to receive a XXXX $ deposit that was supposed to take.place during the glitch ... ..they have given me the run around and keep telling me that it may take up to 90 days to resolve but that time has come and gone ... ... .. The customer service is horrible and everyone sounds like a broken record with the same response ... .. Its like I have no recourse for my missing funds and no one seems to genuinely care, yes this card was designed to help low income families but they are essentially more of a problem then a help, every time I call they thank me for being a cardholder since XXXX but that really does nothing for me when they Dont care about my missing money
I have a XXXX bill that says {$84.00}. I have no idea. I have never been contacted about this debt. I would 've paid it. I do n't know the reason for this debt. I am not interested in paying someone else 's bills. The service being asked to paid for was n't being used by me.
Pollack & Rosen began calling me indicating that they were representing XXXX XXXX XXXX XXXX XXXX in reference to a debt that I have with Portfolio Recovery. They began calling on XXXX XXXX, 2015, in which they called 4 times in that XXXX day, but they did not leave a message. The debt is for a XXXX XXXX XXXX account with XXXX. I informed the representative from Pollack & Rosen that I had made payment arrangements XXXX XXXX and that I have the paperwork that outlines the payment arrangement. The Representative, XXXX, stated that they did not have any record of this payment arrangement. He implied that he did not believewhat I said. I told XXXX that I would contact XXXX to make sure the arrangements were still in place. He began stating that they would file the necessary paperwork to file a lawsuit in my county if I did not make payment arrangements with them. XXXX made a veiled threat that if I wanted to make this " go away '' I would need to take care of this with their firm immediately. I again stated to him that I had made payment arrangements with Portfolio Recovery, their client, and that XXXX was satisfied with the payment arrangement and that I also have the paperwork detailing the payment arrangement. XXXX then put me on hold and came back to the phone stating that he had spoke with their " Lead Counsel '' and that Lead Counsel said that XXXX had retained them as their attorneys and they are going to proceed with filing a lawsuit. I donot understand how a law firm can go ahead and sue you when their client has already made payment arrangements with me. I have spoken several times with XXXX XXXX XXXX about this situation and they reassured me that they are satisfied with the payment arrangements that they had made with me. Also the representative informed me that XXXX XXXX XXXX had made a mistake in sending my file to this debt collection attorney. I have the paperwork from XXXX that states that they would not send my account to a debt collection attorney until after XXXX XXXX but they sent it on XXXX XXXX. I made payment arrangements with XXXX on XXXX XXXX, 2015. XXXX XXXX admitted their mistake, but this debt collection firm was extremely rude and threatening. XXXX, the representative from Pollack and Rosen also made the statement to me that " I seem to be an Intelligent person '', which I found to be extremely condescending. I feel that I should not be harassed for the mistake that XXXX XXXX XXXX made, and to which they admitted to, by this debt collection firm of Pollack and Rosen.
Company : American Express Product : Gold Delta SkyMiles Credit Card On XX/XX/XXXX, a " removal of credit balance '' charge for {$81.00} posted to my account. This cleared a credit balance of ( {$81.00} ) on my account. I inquired about this charge a few days later and was told that a check had been sent to me. 

After a few weeks, the check didn't arrive. I figured it may have gone to the wrong address, as I was moving to a new residence around that time, so I contacted the company again. I was told that a new check would be sent to me. I asked the company to confirm the address that the check would be mailed to, and they read my new address back to me. 

After a few more weeks, this check hadn't arrived either. I contacted the company a third time, was told that a third check would be issued, and confirmed the correct mailing address again. 

A few weeks after that ( it's now sometime in XX/XX/XXXX ), I  called back again, as I'd seen no trace of the third check. I was told that I could receive the credit balance refund as a wire transfer to my checking account instead of a check. A wire transfer for {$81.00} appeared in my checking account on XX/XX/XXXX. 

After this, I went back to check my credit card statement and noticed that a charge of {$81.00} was posted to my credit card on XX/XX/XXXX. I now had a debit balance of {$81.00} on my card. I called American Express to inquire about this charge, and was told by the representative that they would submit a claim to the disputes department, and that the claim would be resolved in 7-10 days. 

The claim was subsequently rejected, and the debit balance remained. I called back a couple more times, with the same result ( call in, representative submits a dispute claim, claim gets rejected 7-10 days later ). I've tried to escalate, but the last two times I was told that 1 ) no managers were available at the time I was calling ( when trying to escalate to the 3rd-level representative ), and 2 ) all the supervisors were in a meeting and unavailable to take calls ( when trying to escalate to the 2nd-level representative ). One of the times that I called in, I was told that one of the refund checks had been cashed in XX/XX/XXXX, but I have never received a single refund check, so the only way this could have happened is if I had been a victim of mail theft. 

It's now been four months since the original credit balance removal charge, and I have still not gotten a refund for it. I've lost count of how many times I've contacted the company ( more than 5 ), but I have not been able to resolve this issue with them.
On  XX/XX/2017,  i received a call from a representative from  BAS Management  by the name of  XXXX   employee  ID :  XXXX  from telephone number  XXXX   XXXX   XXXX  at  XXXX  attempting to collect an alleged debt. I never received a dunning letter. I took the information, and proceeded to send them a letter requesting validation of the alleged debt. I then received a letter from them dated   XXXX     stating that i have n't made any payments on the account, therefore they will report it to the credit reporting agencies and completely ignored my validation letter. I personally contacted the alleged creditor and was informed that i do not owe the company and i have a receipt stating that i owe them {$0.00}. I sent them a letter again requesting that they validate the alleged debt again on   XXXX    .
XXXX 2017 {$500.00} I have filed a dispute with Ad Astra Recovery to verify because no contract was signed they sent back it was verified with no proof