WillisBack/dataset-financial-user-claim huggingface dataset:
I am very disappointed the way Discover handled my dispute. They sent me a letter dated XX/XX/2016 stating that regarding my charge of {$5100.00} from XXXX a company that contacted me by an unsolicited telemarketing phone call, promising online business related. They never provided me the services that I paid for. They scammed me out of {$5100.00}. So Discover stated at the letter that they have no record of me disputing this charge in the past. But as as of XX/XX/2016, they were initiating a dispute investigation and sent me a notification informing me of the temporary credit to my account for the disputed amount of {$5100.00} and notified the merchant of this situation. They explained that if the merchant provides documentation that shows the charge is valid, they will remove the temporary credit and notify me with a copy of the information provided from the merchant and that this process typically takes less than sixty days. 
Then I received my statement from XX/XX/XXXX till close date XX/XX/2016 and they put the {$5100.00} charge back in there. I do n't understand why? Less than a month after they started the dispute and no letter explaining why they removed the temporary credit or if the merchant replied or not. They did not give me the chance. So I would like them to reopen the investigation since nothing was done and they did not comply with the disputing steps.
My credit reports show a delinquent mortgage from XXXX from a company called XXXX. 

This account was not opened by me, this account is fraudulent. 
I never had a mortgage with XXXX.   
In XXXX XXXX  demanded payment, and I refused. 
After hiring a lawyer, XXXX acknowledged fraud. 
Dispute was resolved OK.  
But credit agencies are still reporting this as a delinquency, holding it against me. 
This is incorrect, unfair, and unjust.  

Note that XXXX was found guilty of other cases securities fraud, and the company shut down. 

Details:   
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX
Date Opened: XXXX
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type: CONVENTIONAL REAL ESTATE  MTG
Date Updated: XXXX 
Payment Received: XXXX Last Payment Made: XXXX
High Balance: XXXX
Pay Status: Current; Paid or Paying as Agreed
Terms: XXXX per month, paid
Monthly for 360 months
Date Closed: XXXX
>Maximum Delinquency of 120 days in XXXX for XXXX and in XXXX for XXXX<
XXXX XXXX is falsely reporting to my credit, i was never notified about this account, they claimed they did not have a forwarding address, i came to know about a balance of {$130.00} when it was placed on my credit report, paid it off XXXX XXXX XXXX, but XXXX is still reporting to my credit that i am late as at XXXX XXXX XXXX. 

this Account should be deleted for false reporting and illegal collection tactics
I never received any notice that money was owed to my apartment complex to begin with OR the collection agency they sent the debt to. Until several months later when I checked my credit score online and it showed I owed money. When I called the agency they said they did not say why money was owed and the apartment complex could n't help me either. I 'm not just going to pay that amount of money for something I 'm not even sure what it 's for.
I saw an ad for student loan forgiveness for students of XXXX XXXX XXXX XXXX. I submitted contact info. ( phone number ). I received a few texts to call an XXXX number. I called eventually going over relevant information regarding my student debt. I regrettably gave my XXXX. I didnt have time to go much further with the questionnaire so i asked the man to email me the site. He said he would right then and then the phone got disconnected. I tried calling each number multiple times today but it always disconnects.
I went online to receive my " FREE credit score & {$1.00} credit report ''. I was also, unbeknownst to me, signed up for credit monitoring etc, at the rate of {$17.00}. I feel like this is a shady and fraudulent practice, because I was allegedly aware of the product I signed up for based on size XXXX font in a noticed designed to look like an advertisement on the bottom right of the screen, that was n't even part of my browser window without scrolling. I called the company to dispute the claim. It took me awhile to unsubscribe and they refused to refund my money since I had used the service ( I had to log in to find a phone number to call ) and had been made aware of the service on the XXXX screen of the process. Very shady and I want to say fraudulent practice, since I did not knowingly give them permission to charge me for the service, nor did they provide any paper work or notification that I had signed up for a trial-turned-paid service. It really XXXX that the company that is used to protect you against fraud is fraudulent itself. What I authorized for purchase was a {$1.00} for a " free '' credit report.
I paid the bill in hopes to get it back but they said I 'd have to pay a different installation fee and to send the equipment back so I wo n't be charged for it but they never removed the charges!!!
I was transferring {$160.00} to a colleague in XXXX on XX/XX/XXXX using Moneygram 's online platform. Since Moneygram states that inclusion of the middle name is optional. I did not include the recipient 's name when sending the money. When the recipient went to receive the money, their agents refused to give her the money on the pretext that her ID had a middle name which was not indicated in the transfer. 

The recipient requested me to speak to Moneygram 's customer service personnel to get this rectified. When I called them, I spelled the middle name several times as XXXX, but their employee entered XXXX. 

When my colleague went back to receive the money, they refused to give it to her on the basis of the spelling mistake made by their own stuff. Upon learning this, I called them once again. This time they refused to rectify it because an earlier amendment was done. They told me that the only recourse was to cancel it. I pleaded with them to pay it as it was because I did not have any more money to send, but they declined to offer any solution to that effect. 

I went ahead and canceled the transaction on XX/XX/XXXX. However, 9 days later today, they still haven't refunded me the money. I have called them several times but they insist I have to wait up to 12 days. Surely, a company that involved in money transfer should not hold on to someone's refund for more than 24 hours. 

My recipient also made me aware that their agents were using this confusion to force her into opening a checking account with them. This is deceitful marketing.
I have been working directly with the company that this debt originated from. Also when I spoke with the original debt they informed me that this company has no right to contact me on behalf of them because I do not owe the collection agency I owe them directly. Now they are reporting to my credit reports and I am not happy.
On XXXX XXXX, 2017 I paid off my mortgage with XXXX XXXX XXXX XXXX. In the previous month, a car lease to XXXX XXXX was satisfied and closed. The lenders reported these account paid off and closed. My credit score has been decimated as a result. My score has been consistently in the 780-805 range for over 2 years. It is now XXXX because I retired debt. I have been diligent not to over utilize my credit, paid all my bills on time and have long standing accounts, one 32 years old. I have spoken to XXXX reps twice and TransUnion 3 times. None of these people can offer any explanation other than I paid off debt. There are no human eyes on this calculation, only algorithms. How can these practices be acceptable or legal. I am retired and have worked all my life to maintain good credit and because I retired debt now I am being penalized. It is totally counterintuitive Please help me.
I received a payday loan and it was well above what I was expecting after talking to the lender Arrowhead Advance, I also told them not to take anymore money out of my account since the loan plus addition interest was paid and If I do owe them more money I do n't want them taking it out of my account I will settle with them but they refused. I bank with XXXX XXXX in Michigan
Currently I have no way of viewing my Checking account online or view my Statements because I have my statements done electronically. I called the ban today to find out why I can not view my checking account online and they referenced XXXX. When I called this number the number referenced XXXX. I have no way of finding out how much the bank actually put me in debt on the XXXX of XXXX due to a bank error in their online banking. This error cause my bills to be paid out double and created an over draft. When I identified the issue I ensured I contacted the bank and emailed the bank. In XXXX 2015 I was identified by the XXXX as a possible target of Identity theft and cyber threat. The day after being notified by my Chain of Command I was a victim of identity theft through XXXX ( Military Credit Card ). This is the card I used to make a transaction to a Company that was hacked. After notification I notified First Citizens Bank to my best abilities without violating any XXXX Policies. They put a freeze on my account, and later I found out after they lifted the freeze that a new account was established and a debit card was issued to the wrong account, and I could no longer use my checks. After this issue was cleared with the bank, I ran into the issue of the double payments. Now I have done my best to reverse all the double payments but now the bank has closed my account and I have no way of seeing any statements or know how much is left to pay. This was a bank error on First Citizens part and I am paying for the bank error. Also transfer fees from bank to bank. I have requested a letter from the bank to myself, for First Citizens to identify the issue that occurred, however they have yet to respond to my request via the internet or online services. I have been diligently trying to correspond via email with First Citizens Bank. The difference that is owed should not exceed about or an estimated XXXX dollars. When I spoke with XXXX the Branch advisor she told me to ignore the letters that were coming in the mail that I would have enough time to adjust reverse payments and also transfer money into the account. I explained that I would no longer be banking with First Citizens Bank because this was a huge error on their part and they did not want write a letter clarifying the issues.
I had informed the collection agency the alleged debt was in dispute with XXXX and not owed. Further, I told the agency that no adverse credit bureau reporting should occur until such time the dispute was either resolved or sent to arbitration for ruling. 
The credit agency responded by providing assurance they would speak with the creditor and contact me with a reply. I never heard back from the collection agency or creditor regarding my assertion the debt was not owed or my request for arbitration. The collection agency proceeded to place a negative account unpaid on my credit history with the credit bureaus. Since that time I have been in contact with the collection agency and conveyed demand they remove the negative account information immediately. I was told the account had neen sent back to the original creditor ( XXXX ) and Diversified would no longer be of assistance in the matter.
I called the credit bureau Equifax to get the status of my dispute that was filed and XX/XX/2018. After speaking with a customer service rep I was told that the item in question was deleted from my account however it was placed back on XX/XX/2018. I received no notification via email or letter in regards to the status of my credit dispute I was told to dispute the item again. I also told the customer service rep that I attempted to contact the Creditor via email by phone and visiting their office but they are no longer available. The phone number is disconnected and the business is closed.I also asked for contact information of the Creditor and it was the same information that I used to attempt to contact them.Unfortunately, I had to dispute the account again today. Equifax is refusing to remove the item that was deleted on my report although they know the information is inaccurate.
I received a credit card bill from the XXXX XXXX XXXX brand credit card issued by XXXX XXXX. I don't believe I have ever used this card, and the first notification I ever got from them was this bill that showed that I made no charges but was being billed a {$69.00} annual fee. When I called to close the card, they said that they would close the card but that I still would have to pay the annual fee. I asked to speak to a supervisor and when she finally got on, she said the card I had to pay the annual fee and that the card would stay open and interest and charges would accrue until I paid the fee. I have never encountered a credit card company that wouldn't close the card and remove an annual fee on a card that had not been used, with XXXX balance except for the annual fee.
Doctors appointment at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NC XXXX on XX/XX/XXXX. I paid in full for the services on XX/XX/XXXX. 

On XX/XX/XXXX I received a call from XXXX and I spoke with a woman from a collections agency who informed me that I owed money to XXXX ( from the XX/XX/XXXX appointment ) and I had n't paid it. 

I told her I had no knowledge of the bill and had not received any notifications ( by mail or via the phone ) from XXXX over the past year. She told me the address where the bills were sent. I informed her that I have not lived at that address for over five years. She told me she would send a new copy of the bill to my current address but there was n't anything else she could do. 

Since that phone call I have continually been berated with calls from various numbers similar to the one she called from. This has been inconvenient and unnecessary since I ca n't move forward with anything until I see the bill. 

On XX/XX/XXXX nearly a year after my appointment I received a piece of mail from XXXX XXXX XXXX XXXX notifying me that my XXXX account was sent to collections and my balance due is {$240.00}. I still do n't have a copy of the invoice or any communication from XXXX.
I had a credit card with XXXX XXXX XXXX that was charged off and purchased by a collection agency, XXXX XXXX, XXXX. XXXX XXXX contacted me with a settlement offer, allowing me to pay an adjusted amount which would settle the account if I agreed to do so in 4 payments. I agreed and paid off the account. 
After a month went by, I noticed balance of {$740.00} remaining on my credit report. At which point, I contacted XXXX XXXX, they indicated they would submit information to the credit bureaus so the correct balance of {$0.00} would be reflected. They did not. Therefore, I disputed the account, to have the balance to reflect " paid as agreed. '' Today I received a notification from Equifax that the dispute was settled. I immediately checked my credit report and was horrified, my credit had dropped by XXXX points! The XXXX XXXX collection balance was showing {$0.00}. The collection was closed, but score dropped! I immediately contacted Equifax. After having been provided several different numbers to call, I spoke to someone who told me that XXXX XXXX had reported late payments on the account. That is incorrect. I had to pay the account on time otherwise, the arrangement would have been forfeited. I'm not confident in the information Equifax provided. The representative said he would file another dispute of the late payments. I'm not seeing any late payments on the report so I don't know what he's talking about. Even still, paying off a collection and reducing my collection balance should not reduce my score by XXXX points! I did what every lender tells you to do " pay off collections '' and it has hurt me significantly. By reviewing the information that XXXX submitted to Equifax, it is clear to me that Equifax and/or XXXX has made an error. XXXX appears to be saying that I made late payments to them. The late payments were to XXXX XXXX XXXX, which is how they received the account in the first place. It appears that Equifax is impacting my score, twice for the same account! What XXXX is showing as " amounts past due '' is the arrangement that I made with them - not past due payments.
I was leasing car ( XXXX XXXX model XXXX ) from XXXX XXXX XXXX XXXX. My lease was ended in XXXX XXXX. At the end of lease, I contacted them for end of lease instructions by phone. XXXX customer service said they will send Extension of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per Extension agreement I did not paid 3 months. XXXX reported to 3 credit bureaus 60 days payment late. I contacted XXXX they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from XXXX on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as 3 payments are waiver as per agreement, XXXX itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!
On XX/XX/XXXX I was notified by credit monitoring this debt of {$420.00} by Enhanced Recovery ( XXXX XXXX ) was added to my credit. I already had to file a complaint several months ago against a company that was trying to collect this debt that I had no knowledge of. It was deleted. I have had no contact from Enhanced Recovery in any shape or form just slapped in on my credit and I am about to buy a house. Another collection agency acting illegally and not following FDCPA. I do not owe them or XXXX XXXX any money. They also show this debt is from XX/XX/XXXX and was late 1 month ago. This is the last complaint I will file before I file against them in court
I just recieved a phone call from Navient previously known as XXXX. First begining with the conversation I was informed I had a private loan I knew absolutely nothing about. After a while discussing this matter I was offered a settlement of {$450.00}. She tried her hardest to get me to pay this portion in full so this loan i knew nothing about would be taken out of deafault. She offered me to pay {$50.00} a month until the {$450.00} was repaid. I informed her " it was impossible for that to happen '' she fought with me stating " you dont want the lower ammount '' i replied " yes of course " she said " my advice, than pay the ammount i stated '' I have a XXXX husband and child that i am barley able to feed. I offered {$20.00} and she basically told me, that couldnt happen because it would take to long and my loan ( that i knew nothing about ) would be in default until it 's paid and they would charge interest again ( after taking it off to " settle '' ) I also have XXXX federal loans that were just taken out of default through loan rehabilitation ( different company ). Now, after the rehab those federal loans are being handled through Navient. I just dont understand this process and feel very offended that this women thinks i am stupid by tricking me to pay a lower ammount. I also KNOW i was taken advantage of by XXXX when the women who applied for my loans for me, told me the XXXX year old me should apply for myself instead of having a co-signer or putting my loans in a parents name. I was also kicked out during my externship at a doctor 's office ( during work hours ) because i couldnt pay them the money owed for a failed class ( due to absenses ) They never even offered me a payment plan for that. I am outraged that 10 years i am still dealing with the harassment of XX/XX/XXXX. Their lies have affected to many of us and today i am informing you that they are still at it, even after all the lawsuits they have encountered. I am scared to continue dealing with them for my federal loans, due to their im professionalism and vandictive ways. I worked so hard to get those federal loans out of default, after years of bad credit i am able to obtain my first credit card. I am XXXX years old and i am not taking this madness anymore!
I received a notice in the mail from a company called Credence who is a debt collector claiming that I owe XXXX XXXX XXXX XXXX {$180.00} WHAT?? I don't owe anything. I contacted this company in an attempt to straighten it out, they wanted my to give them personal information. I don't owe them anything.
In  XXXX   XXXX  we purchased furniture from Ashley Furniture and were told by the salesperson that we had 36 months to pay off our purchase with 0 % interest ( ~ {$3100.00}  ).  We setup our automatic payment amount of {$87.00} to pay off the principal in full within the 36 months. However, we noticed that we were still paying as of this month. When we contacted Synchrony Bank today  XXXX / XXXX / XXXX  ( who carried the card ), they informed us that we were actually signed up for the 12 month no interest promotion. We had another account with  Synchrony  for our  XXXX   XXXX  purchase which we paid in installments with no interest. We were led to believe we had a similar setup with Ashley and therefore continued making the scheduled payments. We had the ability to payoff this loan at purchase, but as stated were told be the salesperson that we had 0 % for 36 months. Now we are being billed for over {$2300.00} in interest. In order to avoid any more interest penalties I have paid the remaining balance today - but feel that the deceptive practices at  Ashley  have cost us thousands of dollars.
6 years ago unfortunately went to bankruptcy chapter XXXX i did include my property on this process we came to an agreement to the loan company and court house at that time was XXXX XXXX XXXX that my property secure value was XXXX and it was the amount bank requires in order to void the lien of my property this amount was requested by the court house and executed by XXXX XXXX XXXX appraisal, i spend since XX/XX/XXXX making payment to satisfied the requested amount, my chapter XXXX bankrupt was successfully completed XX/XX/XXXX it was fully administered by my trustee and the case was close successfully i did call the bank in order to ask for my release of mortgage letter but was impossible to receive an answer after many calls and a lot of waiting time the the only answer was getting is " we will research '' after few months with no communication with the bank i was surprise that the loan company transfers all rights to specialized loan servicing llc another different company, i did call this new company to request my release of mortgage letter, but still give me the same answer, threatening me to send my house to foreclosure i did forward my court documents but seems no effect of them