WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I noticed a charge on my credit card account : XXXX for the amount of {$39.00}. I did not recognize this business and discovered that they are in the business of computer games. I did not ever contact this business nor solicit and computer game from this or any other company. 
I called Bank of America, my credit card company, and disputed this charge. The amount plus interest was credited back to my account on XX/XX/XXXX. 
On XX/XX/XXXX I saw there was a credit back to XXXX for {$39.00}. I again contacted Bank of America and was told that BOA believed the company charge was legitimate since they said they had my e-mail address. I again persisted that this is a fraudulent charge and the amount plus interest was credited back to my account. 
On XX/XX/XXXX I wrote Bank of America to put my concern that this company was using stolen/hacked personal and credit card information from me in an attempt to bill me for a product that I never requested. 
On XX/XX/XXXX I received a letter from Bank of America that was dated XX/XX/XXXX in which they affirm their position that the sale was legitimate since the company provided a bill of sale that had all of my personal information and credit card number. ( A month to receive a denial letter from the bank ). NOWHERE IN THIS LETTER IS THERE ANY CONSIDERATION GIVEN TO MY STATEMENT THAT THIS INFORMATION WAS STOLEN/HACKED AND IS BEING USED WITHOUT MY AUTHORIZATION. 
Further, a google search of " XXXX XXXX fraud '' brings up XXXX web sites where numerous people have complained about this company for being charged for products that were never ordered and for which they were repeatedly billed each month. 
I believe, without proof positive, that my name, billing address, e-mail, and credit card number, expiration and security code were stolen/hacked the day after I made an online order with " Reloading Unlimited '' This was the only out of the ordinary business with which I conducted business with and coincided with the appearance of this fraudulent charge from XXXX XXXX. 
I did receive an e-mail from that company but I never opened it nor used the access codes they say they provided in that e-mail to activate the game. Apparently Bank of America did not ask in their " investigation '' if I ever actually used the game or link they allegedly provided. 
Simply because they send me an e-mail with an unsolicited product does not translate to a conclusion that the order was legitimate and executed by me. MY INFORMATION WAS STOLEN/HACKED AND USED BY THEM WITHOUT MY PERMISSION. This Company is in the business and has a history of charging peoples account for products they never ordered.
I have been disputing a medical bill that was paid. I wrote to the Collection Service Center on XX/XX/2018 and XX/XX/2018 after prior correspondence with the medical service, XXXX XXXX XXXX. 

On XX/XX/2018, I was billed by XXXX/XXXX  for dates of service : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/2018 in the amount of {$150.00} which I paid on my VISA card number XXXX XXXX XXXX XXXX, which was charged to my account on XX/XX/2018. See the attached proofs showing the bill, the payment and charge to my debit account. 

Therefore my account was paid up to XX/XX/2018. The bills from XXXX/XXXX never show this payment as a credit towards the account. 

I had additional treatments on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX,XX/XX/2018. That is 6 sessions at {$77.00} leaving a balance of {$460.00} due. I authorized payment on my card for this amount, and showed proof of the second charge to my HSA account for this amount. This has since been paid, therefore, no further payment is due. 

The medical service billed me again for the dates of service XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/2018 after I paid them on the original bill they sent me. 

The collection service responded to me on XX/XX/2018 with a copy of a ledger that shows my treatments and a patient balance of XXXX. The ledger has a sub-ledger on the last page showing I owe {$530.00} which I continue to dispute. I have contended the ledger they send me is contradictory and makes no sense given the billing I received and paid. 

The collection service is proceeding forward against me for an account that was paid.
My credit score averaged XXXX on both XXXX and Equifax. It dipped on both by about XXXX points respectively because my credit card utilization was at 97 %. I paid off all my credit cards and my score should go back up by about XXXX points on both. Today, XXXX reported nothing and Equifax only went up XXXX points! How is this possible?! They are both also saying my credit reporting history is 18 months old and that is lowering my score now as well. My credit history is well over 10 years old. I do not understand how it is even possible for credit reporting to affect your life so much! They should all be abolished, or at least just have one. This is getting ridiculous.
I was contacted XXXX/2016 stating that I had to act fast because president obama term was ending. They stated that they could help me repay my loans possibly not paying anything under the Obamas act. I was told that I made so little that I had no payments and that I would be charged $ XXXX mo for their service. They said they would sign me up and take care of all paperwork. I asked if I could cancel at anytime and they said yes. I asked what my apr would be at and they said 2 %. I asked if it would effect my payments when I got married and they said no. They told me that I do not claim my husbands income on the forms. I have been paying $ XXXX/mo for 1.5 years now. I have called and complained about how I have been told wrong info. You can never get a hold of anyone. No one wants to take credit for the information I was given, and come to find out the employee has been fired that soldy me this scam. I asked to be let go and cancel, they told me I still own them {$1100.00}. This company is a scam and ripping off young adults left and right. Someone needs to stop them! 
Company : Manhattan Beach Venture Employee : XXXX XXXX
I was on Medicare at one time and this medical bill was paid through medicare. I had to pay the XXXX {$170.00} out of pocket deductible which I did. Now I have XXXX medical bills that are in collection. Medicare confirmed they paid these bills in full. The other question is how can an attorney sue me for medical bills for XXXX different doctors? Is n't that double dipping? I do not owe these XXXX medical bills and want them removed out of collection on my credit reports as it is causing my credit to be affected negatively.
On XX/XX/XXXX TD Bank ( XXXX Branch Number XXXX ) prepared and sent an International outgoing wire to XXXX , XXXX XXXX deducting {$9800.00} from my account to do so. On XX/XX/XXXX the recipient stated it had not arrived. So I had TD do a trace to find the wire. They stated it was at XXXX bank and may be held while funds converted. When the recipient could not trace from their end I requested a recall of the wire. In all cases there was no response from the XXXX bank ( if it was there ). 
From then XX/XX/XXXX until now XX/XX/XXXX no response from XXXX bank is the only report I get when I call. Frustrating is no one wants to help and requests for escalation are ignored. Evidently no one is skilled enough to trace and retrieve. 
The recipient was sent copies to trace from their end and their bank said no wire with those dates and amount was found. 
I feel this wire is in limbo or maybe a false image out there in the system. 
How can their be so little knowledge or skill if a bank is providing this service No one wants to help. I call XXXX XXXX and wait while the rep calls Wire Dept. the answer is always the same : nothing can be done, it is the XXXX Bank holding the money.
XX/XX/2018 XXXX Spoke with XXXX XXXX @ XXXX XXXX XXXX XXXX   ( XXXX ) about SETTLEMENT AGREEMENT for balance due of {$2200.00} to XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX. 

Settlement agreement for the amount of {$800.00} made between XXXX   XXXX XXXX on behalf of XXXX XXXX. Initial agreement was for 3 payments of {$260.00} to paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. 

Modification made to initial agreement made Monday, XX/XX/2018 with XXXX @ XXXX XXXX XXXX XXXX for 2 payments ; XX/XX/XXXX {$260.00} and XX/XX/XXXX {$530.00}. 

Settlement was paid according to initial and modified agreement. I have attached transcript of phone recording, letter confirming settlement agreement from XXXX XXXX XXXX XXXX, and bank statements confirming payments. 

My account has been reactivated on my credit report. I have been called no less than every few hours every day by XXXXXXXX XXXX in an attempt to collect the full amount of the debt that was settled XX/XX/2018. 

I want removal of the account from all 3 credit bureaus. I want a letter confirming the account has been settled and paid in full from XXXX XXXX XXXX XXXX and XXXX XXXX. I want to have them apologize for harassing me every day with collection calls and if you can fine them, please do.
On XXXX of 2016 Bank of America reported a late payment on my account. This occurred while I was enrolled in automatic payment. The issue is, at that time, their automatic payment system charged a set amount every month and did not change to cover the minimum payment due. Sometimes I automatically paid more than what I owed ; and some other times, as in this case, it paid less. This type of payment set up is obviously different than the standard used in the industry. Moreover, Bank of America failed to inform me that the automatic payments made through their website was less than the amount owed. I took extra step to pay the full amount owed after I noticed the error. For these reasons, I believe this error is due to a failure to collect from an unusual automatic payment software. I am therefore launching this complaint to have them 1. Changed their payment process to allow automatic minimum amount due as opposed to an arbitrary set amount and 2. Remove the late payment from my  credit report for the reasons above.
In XX/XX/XXXX as soon as I saw mail showing I was behind my payment to them I called to let the credit card company know that I had to close my bank account and re open another bank account due to some hacking on the account. My payments were set on automated payment deduction that always comes out of this bank account and I needed to reset up the same thing with new bank account. I thought the payment for that month had already made it through and it did not go through as it said it did on line on there website and that is why I missed getting payment in on time. I was only a day or so past due when I called them to explain why the payment was not received and to give them new information on my new bank account and tell them the reason I was late was due to not getting my new bank account information over to them before my payment was to come out. After I told them, they said that as of this day I called in my account was technically past due. The credit card company said they would not show me having a late payment account since I called to let them know and redirect my schedule payment to the new account. Now my credit files say the dispute has been taken care of, but it is still on my credit files saying I was late. I need to have this removed from my files showing I have never been late. I am buying a house and this is damaging my ability to do so. I would have never been late if it had not been for my automatic payment not going through because of the change in accounts. I was told they would not show me late. Also the credit card does not show the years I have had it so my credit looks like I have only had credit for just over a year and it's been almost 3 years. This is what is shown on the Credit bureau 's and it should not show late. Overview You're currently using 98 % of your account 's limit. Balance {$880.00} Credit limit {$900.00} Minimum monthly payment {$45.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) This is not shown on the credit bureau 's facts for scoring. Payment History Youve made 96 % of payments for this account on time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status 30-59 Days Late Account Details Account status Open Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Worst payment status 30-59 Days Late Times 30/60/90 days late 1/0/0
OnXX/XX/XXXX I received a written notice of the claimed debt, a copy of which is attached. On XX/XX/XXXX, I sent a letter to Rash Curtis and Associates in response to this notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that their claim is disputed and validation is requested. As of XX/XX/XXXX I have not received any written correspondence from your firm with validation of alleged debt.
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On XX/XX/XXXX, I applied for loan and received a copy of my credit report from XXXX credit reporting agency. Included in that report was the following incorrect information the firm reported : RASH CURTIS & ASSOCIAT XX/XX/XXXX PAST DUE {$2500.00} # XXXX XXXX XXXX XXXX XXXX  BY XXXX XX/XX/XXXX XXXX MEDICAL PAYMENT DATA CREDIT GRANTR CAN NOT LOCATE CONSUMER MEDICAL ACCOUNT IN DISPUTE PAYMENT DATA As a result of this reporting my credit score was damaged and my ability to pursue further loans has been delayed until this reporting has been removed. Reporting this activity with out validating debt per my request within 30 days is a violation of the FDCPA Section 809 ( b ).
I filed a complaint against a buyer for an item I had purchased on XXXX. Paypal told me in order to receive my refund I would need to return the item and provide proof of tracking. I returned the item and sent PayPal proof of shipping from XXXX. I provided a tracking number, picture of receipt from XXXX stating the address it was sent to, and provided picture of the label ups printed on the package. I sent the item to the exact address Paypal told me to send it to. Paypal then told me I 'd receive my refund in 24-72 hours. It 's been 10 days and still no refund. When I call Paypal they keep telling me to provide the same proof and I 'll receive my refund in 72 hours. Like I said it 's been over 10 days and still no refund.
This all started on XXXX. A Company called My Score took money out of my bank account for something that I did n't order. How they got my # I do not know. So I went to my bank and cancelled my debit card. I then called them and cancelled what ever. They said my money would be back on my account in XXXX 5 days. This happened XXXX 5 times and when I got my new card, they hit it again. After 11 phone calls, I finally got an address where to write them at. Same old you 'll have your money in XXXX 5 days. After I wrote and got no reply, I contacted the XXXX. They said they would look into it and if I did n't get a reply to contact you. It was n't so much the money. Only {$79.00}, but it caused XXXX overdrafts on my account. That was another {$72.00}. The Company I wrote to was Golden Score LLC, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Ph. # XXXX. Maybe that will do it. Very Respectfully. XXXX XXXX XXXX XXXXXXXXXXXX Thank You.
Hi, I have the chase sapphire reserve card op en for 6 w eeks and paid the full annual fee. They decided to close the account on me and refuse to refund the annual fee when I have n't taking advantage of the card- tried calling multiple times and they refused to help or to reopen the account
Medical bills have been paid by insurance before making to collections and the company harassement me and having a very impact on my credit reports.
XXXX XXXX MUST RE-INSERT THE ACCOUNT BACK INTO XXXX CREDIT FILES ONLY. THIS ACCOUNT WAS DELETED IN ERROR.
City property taxes were received in XX/XX/XXXX and sent to my mortgage loan servicer, LoanCare, LLC., on XX/XX/XXXX. Payment due by the end of XX/XX/XXXX was not dispersed from my escrow account to cover my city taxes. Additional follow up emails and phone calls were placed with my loan servicer and I was told that the issue would be resolved. In XX/XX/XXXX, I received a notice from the City of  XXXX that my XX/XX/XXXX payment was not received and that the property taxes incurred approx. {$100.00} penalties and interest and that both installments ( XX/XX/XXXX. and XX/XX/XXXX. ) of my property taxes are due by the end of XX/XX/XXXX. The notice that was received in XX/XX/XXXX has been sent to LoanCare , LLC on XX/XX/XXXX and I was again told that the issue would be taken care of. This morning I noticed that the servicer of the loan has dispersed a portion of the money in escrow back to me in the form of a refund for escrow overages and now there is insufficient funds in escrow to pay property taxes and home insurance by their respective due dates. This loan servicer pulled the same thing on me last year with my county property taxes and I ended up paying an additional {$100.00} out of my own pocket to pay the taxes that were overdue by 4 month. It should not be this difficult to get a loan servicer to do the job they are required to do by federal regulation.
Transunion is required by FCRA to report accurate and complete information on my credit report or delete reporting the inaccurate items after investigation.VA DEPT SOCIAL SVS DCSE, ACCOUNT NO. XXXX ... .WAS reporting an XXXX balance owed for 5 years 7 months after it was paid until this week ... ... for these 5 plus years it was false and damaging to me, entitling me to seek court redress against the furnisher.Transunion has allowed the furnisher to update the record partially and not completely.Transunion allowed the furnisher to backdate their error, to hide the fact of the injury to me to allow the furnisher to say in writing that the error was corrected in XXXX instead of last week.THE DATE OF LAST REPORTING MUST SAY XXXX XXXX NOT XX/XX/XXXX.ITS TRUE THE FURNISHER CORRECTED THE BALANCE TO XXXX BUT THAT SHOULD HAVE BEEN DONE 5 YEARS AGO.TRANSUNION AND THE FURNISHER HAVE PUBLISHED THAT THE CORRECTION WAS MADE IN XXXX WHICH IS FALSE INFORMATION. 
ALL INFORMATION MUST BE ACCURATE INCLUDING THE DATE OF LAST REPORT. 
I CAN COLLECT DAMAGES FROM THE FURNISHER FOR THE FRAUDULENT REPORTING FOR 5.5 YEARS.I HAVE GIVEN YOU THE CHANCE TO DELETE REPORTING BUT YOU HAVE CHOSEN TO HIDE YOUR ERROR BY FURTHER MISREPORTING SO AS TO AVOID DAMAGES, LOSS OF EMPLOYMENT, ETC.
I have previously requested from all three credit bureaus : XXXX, XXXX, and EXPERIAN the complete removal and deletion of the Public Records and Inquries listed in my credit file. All three credit bureaus are stating they have verified the information. 

The credit agency has not verified any records as they have stated. They have stated they have verified these records with XXXX XXXX which is a third party verifier. My records with XXXX XXXX have been frozen and suppressed before filing the complaint with the credit agency. In addition I have sent a letter to the aU.S. Bankruptcy court and their response was they DO NOT verify any PUBLIC RECORDS with any credit bureau. ( See attached letter ) In addition I have attached the a publication from XXXX regarding the Law that took effect XXXX. If a bankruptcy is listed in a credit report it must contain the full name, Date of Birth,  and Social Security Number XXXX please see attached publication. 
In addition per law I have requested a copy of documents from the credit agency that they used to verify the Bankruptcy and INQUIRIES listed on my credit report by law they must provide this documentation to the consumer if requested. 

Under the FAair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your files at the time of request comcerning the accounts thaty you are reporting in my credit report. Please do n't respond to my request saying that these accounts have been verified. Send me copies of the documents that you have in your filesthat were used to verify them. If you dont have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under SECTION 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccuracte and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with verifiable proof that yiu have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. Please also delete all non-account holding inquires over 30 days old. I demand the following accounts be promptly verified or removed immediately. 

The credit agency has refused to follow the law and therefore must delete and permanently removed the disputed information from my credit file Sincerely, XXXX XXXX
I have an Inquire from Comenitycapital/XXXX on XXXX XXXX,2016 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. 
I submitted a previous report to XXXX and was told The company needs authorization from me to proceed with my complaint. Do to this fact my complaint was not resolved. I hereby authorize to proceed with my complaint and provide drivers license & social security card ( attached ) as proof of Identification. The aforementioned in order to have my complaint resolved and the unauthorized inquiry removed from my repot. 
On my previous complaint directly to Comenity Capital Bank I was replied the following : On XXXX XXXX, 2016, an application for a XXXX XXXX XXXX XXXX account was submitted using your personal information. When an application is submitted, the applicant provides authorization for credit information to be obtained by the Bank. The Bank reviews credit information to determine an applicants creditworthiness. Credit information is pulled one time when an application is submitted. The inquiry showing from the Bank on XXXX XXXX, 2016, was a result of the XXXX XXXX application being submitted. As such, the inquiry on your credit file is accurate. The letter regarding the application is enclosed for your review. We respectfully decline to request removal of the inquiry from your credit report at this time. If you believe this application was submitted fraudulently in your name, please contact our Account Protection ( Fraud ) Team at ( XXXX ) XXXX. 
I have tried contacting their Account Protection Team to express my concern regarding this unauthorized inquiry and have received no reply or answer to my concerns. 
For this reason and the previously stated I wish for the unauthorized inquiry removal.
I made a dispute with Equifax and XXXX XXXX regarding having two open mortgages on my report for the same home loan. My loan was transferred from XXXX XXXX XXXX to XXXX XXXX in XXXX of 2017. I have made numerous attempts to dispute this item and the status remains the same when the account has been closed/transferred and there 's no outstanding balance with XXXX, or its other subsidiaries.