WillisBack/dataset-financial-user-claim huggingface dataset:
I notified the Bankruptcy Courts in my area that I was in dispute of what they had reported on my credit report to the three credit bureaus, Experian, XXXX  and XXXX. I sent them a letter in dispute, at which time, I sent it certified return receipt and as certified mail. I have documentation of when I sent the letter and when they received the letter. However, the Bankruptcy Court had failed to notify the three credit bureaus mentioned above of my dispute. I have notified the three credit bureaus and have provided all three credit bureaus with the proof in writing and I even included the dates that the documents were first initially received by the Bankruptcy courts and the credit bureaus have not taken it off my credit report, seeing that the Bankruptcy courts did not notify the three credit bureaus that my file was in dispute so that my file can be noted appropriately.

I have also sent the letter I received from the Bankruptcy court to all three credit bureaus stating that they did not report the information to them on my social security. However, all three credit bureaus keep saying that the Bankruptcy court did report the information to them, even after I have sent them a letter from the Bankruptcy court that the Bankruptcy court DID NOT report any information on me and my social security number to the credit bureaus.
I recieved a letter From Express Recovery Services, a collection company. XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX regarding a debt that had previously been discharged in a Bankruptcy.
Last XXXX we had some extra money after taxes, so we decided to send it to the mortgage company to apply towards our principle. Our payment each month is automatically drafted, and never have we missed a payment. On XX/XX/XXXX I noticed that my payments were not being drafted as usual, so I called the company. They couldn't tell me why the auto draft wasn't working, but at that time he told me that I was paid up until XX/XX/XXXX. They had taken my payment of {$5100.00} I sent extra in XX/XX/XXXX and reversed it the next day and applied it towards monthly payments instead. This didn't reduce my principle like it should have and I continued to pay interest on a higher balance. The customer service person said they would fix it and I see there have been many adjustments to my account, but not in my favor. Currently they say I owe exactly the same principle balance that I did last XX/XX/XXXX that I do now. I have paid a total of {$16000.00} over the past 7 months, and over {$6200.00} was extra principle payments above my mortgage payment. If PennyMac is doing this to my account, I can only imagine how many other accounts they are doing this to.
The interest rates are ridiculous. I 've asked for financial help multiple times and they offer nothing. Private loans are the worst! I can not repay the amounts when the interest is ridiculously high. Highly irritated with the bondage of private loans.
When I left XXXX XXXX XXXX cable and phone service, all they wanted was their equipment so they would n't have to put it on my credit report. I gave XXXX XXXX XXXX all their equipment cable boxes, wires, and etc ... I ask them was we in good standards and they said yes. I check my credit report back in XXXX of 2016 and notice I had a debt from a collection company call AFNI on behalf of XXXX XXXX XXXX. I disputed the debt with all XXXX Credit Bureau and AFNI refuse to remove this debt off my credit report, their reason was XXXX XXXX XXXX said I owed the debt, but AFNI could n't prove it. I called AFNI on XXXX XXXX, 2016 and explained my situation, AFNI said yes we have received a couple of dispute from all XXXX Credit Bureau, but XXXX XXXX XXXX wo n't respond to your dispute or provide any proof since XXXX of 2016 we have not gotten any answers from them. Basically AFNI has been lying to all XXXX Credit Bureau saying they made contact with XXXX XXXX XXXX, which they have not. AFNI is a very dishonest company, from my understand if a company do n't make contact with in 30 days in a written statement or showing proof, the debt should be removed, it has been 4 months. My contract was with XXXX XXXX XXXX not AFNI which is a very dishonest collection company. I need removed off my credit ASAP ...
For the past 2 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. The incorrect debt collection amount is for {$400.00}.
I have had a checking and savings account with PNC bank for 6-1/2 years. On XX/XX/XXXX, my husband went into a local branch with me and had his name added to both accounts. On XX/XX/XXXX my husband received 2 letters, both dated XX/XX/XXXX from PNC bank stating that both the checking & savings accounts would be closed on XX/XX/XXXX and that my debit card would no longer work after XX/XX/XXXX. NO REASON WAS GIVEN. I called the branch & spoke to the young lady who added my husband 's name to the accounts. She said she did n't know why this was happening but she agreed to call corporate to get an explanation. The following day she called to say that she was given no reason and that there was nothing I could do to stop the accounts from being closed. Then I called corporate and asked why the accounts were being closed. I was simply told that PNC bank had elected not to continue its relationship with my husband - NO REASON WAS GIVEN. On XX/XX/XXXX, I closed out both accounts and will never again do business with PNC bank.
Between XX/XX/2013 and XX/XX/2013 I deposited a check in my account in the County of XXXX XXXX California, from a third party. Check did not clear, maybe altered or stolen. Bank of America closed my account after freezing it an reported me to XXXX XXXXXXXX and XXXX XXXX for fraud activity or intent to commit fraud. For more than four year I have not being able to open a checking or savings, personal not business for my corporation with any financial institution because Bank of America reporting.
I have mailed in my police report and FTC affidavit 2 times to Experian on fraudulent accounts reported on my credit report by XXXX XXXX XXXX XXXX and Experian has refused to block these fraudulent accounts. 

I received 2 letters from Experian stating I have filed these disputes with knowledge that these accounts are mine or the disputes were made in error and that the have validation that these accounts as mine? 

NO proof has ever been mailed nor have I ever even been contacted by XXXX XXXX. I never even knew about these accounts until I checked my Experian credit report. I will be filing a separate complaint on the the data furnisher as well. 

Under FACTA law- Experian is supposed to block these accounts upon receiving my police report and FTC affidavit. They have violated this twice. The other 2 credit reporting agencies have already deleted these accounts but Experian has refused both times. These fraudulent accounts are updating false information monthly and ruining my credit. Experian allowing this to happen this is an unfair business act!
I disputed an account with Equifax and provided proof directly from the creditor that I never paid said account late, yet Equifax completed my dispute as they have verified the item belongs to me. Equifax also stated that there is no historical account information currently on this account. 1. I never disputed ownership of the account. 2. they did n't remove nor address the late payments, and if there is no historical account information, how can they justify leaving a late payment. 
In addition to all of the above, this account was previously reported 30 days in error by the credit grantor, and was subsequently corrected in XXXX of 2014. Now, Equifax is re-reporting this and I have no idea why and why they are n't accepting the documentation I 'm sending them. I do n't understand what 's the point of them acting like it 's to a consumer 's advantage to submit documentation during a dispute if it 's not going to expedite or assist in the resolution of said dispute
I purchased an item from Best Buy using my Best Buy credit card. I paid the amount due in full on XXXX/XXXX/2015. The payment of {$100.00} was issued through my online services at XXXX. 
The account number for my Best Buy account had not been updated on my online services account with XXXX, so the payment went to Best Buy but to my prior account number. Best Buy now claims that I have not paid and my account is now in arrears {$240.00} because of accruing late fees. I have contacted Best Buy and they will not speak with you regarding this issue and refer me to their bank which is now Citibank. I contacted Citibank and submitted my proof of payment to their Payment Research Department. I continue to get statements saying the account is not paid. I spoke to " XXXX '' in " Escalations '' on XXXX XXXX and still the matter is not resolved. I have no way of resolving this because clearly the issue is inter-bank. I made a payment to Best Buy which was sent to my old account number XXXX and should be posted to my current account number XXXX, It is egregious that Best Buy offers no consumer protection to their credit card users as clearly they are the entity that could easily resolve this by having the payment credited to the correct account number. The continued billing and late fee surcharges have escalated to the point of harassment. I paid this account in full before its due date and yet I continue to be harassed because no one seems to want to do the work on their end to get this matter resolved.
I receive XXXX to 3 calls daily for months from Pioneer Debt collectors, who appear to be pursuing another party with the same last name. Different first, middle names, but not me, and not my phone number. I have NO debts. Their constant harassment must stop.
I received a letter from the XXXX , XXXX XXXX XXXX located in XXXX XXXX in late XX/XX/XXXX stating that I owed Discover credit card company {$5000.00} due to a transfer balance occurred on XX/XX/XXXX. I never owned a Discover credit card and did not do the balance transfer as they claimed. I have called XXXX Credit Card Company many times and they have told me that the transfer transaction never occurred on their records as well. File XXXX XXXX and XXXX XXXX are evidence that such a transaction never happened. I have tried to solve this false accusation with Discover Credit Card Company XXXX times as you can see from the attached file but they still find the balance valid. I even had the representative from XXXX on the phone with Discover representative to tell them that such transaction never occurred but they still find the transfer transaction valid. I am filing this complaint because I have been falsely accused by Discover credit card company for something I did not do.
I have signed up for a personal XXXX XXXX credit card from US Bank. In the agreement I signed up for it clearly states that I will receive a XXXX free night AFTER PAYING THE {$75.00} FEE. However, soon after paying the fee I learned that US Bank has decided to not provide this benefit as promised. I called US Bank today to ask if there was anything available to compensate for this but was told the best I would be offered was XXXX pts or they could cancel my card and give me the annual fee back. They also stated that the new benefit was a free night in a XXXX hotel after XXXX dollars spend. This is nothing in comparison to the benefit that I signed up for. I did not accept this as it was not satisfactory because I would loose the benefits I have earned from he card and also it does not address the impact to my credit score associated with card applications. I do n't understand why US Bank feels that it can bait people into signing up for a product with the promise of great benefits and then switch the benefit to something else that is not even close to as lucrative.
I was making a purchase at the American Eagle store # XXXX on Monday, XX/XX/XXXX at XXXX XXXX & was asked if I had a Rewards Card. I thought I did, he looked it up but could n't find one so asked if I wanted to start a new rewards card. I said, not a credit card but rewards card, correct? He said yes. We started going through the process & I was prompted to provide my SSN, I again asked if this would be a credit card. He said no, & that he was prompted to provide this same information when he signed up for his rewards card. So I finished the transaction of {$79.00}, paid with my own credit card & left. Three days later ( XX/XX/XXXX ) I received an alert on my credit bureau that I opened an American Eagle credit card & my credit score dropped 21 points! I went & found the information he gave me on the Rewards card & it shows a credit card number & credit limit. I immediately called the credit card company, explained the situation & was told that the store reps are told to market their credit card as a Rewards card because you get more rewards if you have a credit card. I think this is very deceptive. I told them to close the account as I never intended to open it & asked them to update my credit bureau as such. He said he would close the account but did n't know if my credit bureau would be updated. I think they need to take responsibility & update my credit bureau to indicate that the store opened this account in error. I should n't take the 21 point hit on this. I asked for a number to call to file a complaint & I called that number on XX/XX/XXXX. The complaint I was able to file was only about how the store rep marketed the product to me & he said they would get the information to a district manager. But I want something done about the credit bureau reporting. This seems unfair, deceptive & I have to wonder if it is incentive driven.
Around XX/XX/XXXX, after evaluating many business credit cards from various providers, I chose a Wells Fargo XXXX, because the rewards points NEVER EXPIRED. 

In XX/XX/XXXX a review of my account on the rewards website showed a NEGATIVE number of points ( XXXX ) for the month of XX/XX/XXXX. When I called the WF rewards dept to inquire, they informed me that these points had EXPIRED on XX/XX/XXXX 

I responded that my card was XXXX of their programs in which in which points did NOT expire. I was told that the policy had changed, and NOW the points DO expire. I stressed that I was not aware of any change, and was told that I was notified on the last few statements. I then inspected my most recent statement, and I do see that it mentioned the impending expiration, but not in a very prominent fashion. Something that has such a material effect on the financial standing of a customer should be conveyed in a more prominent and thorough manner. WF 's meager provision of this important information in such a non-descript manner at the very least seems inadequate and unfair, and at the worst perhaps intentionally deceptive. 

I explained that as a business owner, I have accounting personnel that routinely pay the bills, thus I rarely ( if ever ) see the actual statements. I requested that a one-time consideration be granted to me & that they restore these expired points. Understandably I had to move up the ladder through several agents to get to someone with the appropriate authority, but to no avail - I was finally told by a supervisor that they would NOT replace my points. 

I do a pretty large volume of business on this card ( around {$30000.00} per month XXXX, it would take WF only a few months to realize enough profit to cover the cash value of the rewards points in dispute ( approx {$4500.00} ).
Diversified consultants purchased my old account from XXXX XXXX. My service ended with them three years ago. I never received information from the provider. I provided the company with a forwarding address and phone number. The creditor confirmed they just received the collection account XXXX 2017, I was charged for equipment and terminaion fees. I have excellent credit and no derogatory accounts. Diversified CONSULTANTS immediately posted this account to my credit report prior to contacting me by mail on X/XX/2017. I received a telephone call from Diversified Consultants from an extremely aggressive and unprofessional representative. The rep. Provided no information concerning the account, I asked what information he could provide me and was only provided a balance due. My name is spelled incorrectly on the notice and i am a bit aprehensive. The rep. Continued calling and demanding payment after i advised to stop calling. I reached out to XXXX XXXX and initiated payment. I am requesting both companies be held respnsible and all derogatory remarks removed immediately.
I have filed a dispute with XXXX with Trans Union/ XXXX that I have never been late on a payment, I have called 3 times to date to XXXX XXXX and they assure me that I have NO late payments, Yet credit agency states report is accurate. How do I get this off all my reports, I also have XXXX collections and XXXX legal reports that have been paid in full. XXXX paid in Full/ XXXX paid in full/ Legal item XXXX paid in full, and I ca n't get them removed and is showing negative on my reports
I had student loans through Navient and I sought information about how to best go after my loans. I feel that they withheld information from me and poorly advised me in the decision process. The big one would be keeping me from a more effective payment plan. The fi rst one is as a  XXXX  in a non profit organization the Public Service Loan forgiveness is by far my best option for rep ayment. I feel that Navient withheld this information when I asked about my options in order to keep my loans and keep them in a longer repayment process and keep the loans within their organization rather than have them switched to   XXXX   XXXX    i n which they could no longer profit from it.
I use Bank of america ATM to withdraw some money from my account, my bank account is a foreign institution name XXXX, on XX/XX/XXXX I used the ATM and tried to withdraw $ XXXXUSD, but the ATM automatically denied my transaction with the message " Exceed limits '' to withdraw. Due that I decide to take just {$200.00} and come back the next day. on XX/XX/XXXX I tried to get my remaining funds to complete the $ XXXXusd but this time the ATM said I didn't have the funds to dispense the money. 
I contact my bank and they said that a transaction of {$540.00} was approved on a ATM, I dispute that charge since that day but my bank ( XXXX ) initiate the investigation and a result bank of america did approved the transaction but the ATM no/no release the money. I been trying to resolve this matter with bank of america but they just don't help at all, many phone calls and visits to the branch were the ATM is located but they saying they don't have any record of my transaction and they don't give the money back is already been almost 2 months and I have not resolve this issue with Bank of America. My bank already make a dictamen saying that bank of america approved the transaction they will not do anything else. Bank of America ATM or someone in that branch keep the money and now they dont release to me.
I had a charge off account with Synchrony Bank I paid it in full and they agreed to removed that negative information from my credit report and they did but now I received a copy of my credit report and that charge off account is back. I called Synchrony Bank but they refuse to help me, please remove this negative information from my credit report.
There is information and accounts that are reporting on my credit file that does not belong me. Please assist me in getting these items removed : XXXX  ( reporting 3 times ) on Transunion XXXX - XXXX, Transunion, XXXX  XXXX XXXX - Transunion These accounts are reporting due to fraud.
TD Bank charged me {$100.00} in overdraft fees fraudulently in one day, on XXXX XXXX, 2018. What they say was my balance was not my balance at the time and I have documents to prove it. I contacted their customer service, they refused to reverse the charges.
In looking to purchase items from Bestbuy.com, I was offered 0 % financing immediately if signed up for a BestBuy credit card backed by Citibank. I filled out the application, called for verification, application was approved and I was told that I could check out online immediately and the goods would be shipped to me. I completed an order for {$3600.00}. Two days later, I was notified that I could not purchase the goods until I recieved my card in the mail. This was deceptive advertising meant to reel people in with a good financing deal, lying that it would apply immediately when in fact, I was told by Citibank that this was not possible. I 've since cancelled my card and my orders, but my credit has been perminantly impacted by the application process and am told I can not apply for another Citi-backed card for 6 months or a year. The losses include the actual interest on the products, as I no longer qualify for 24 months of 0 % financing, as promised online.
My husband and I were separated in XX/XX/XXXX for almost one year. During this time, he did not have an income untilXX/XX/XXXX. XXXX  XXXX  XXXX allowed an unemployment forebearance at {$420.00} per month. XX/XX/XXXX was a difficult month, so I called and asked if we could pay XXXX and XXXX together. The CSR stated " yes, that should be fine. '' We paid for both those months in XXXX. In XXXX, we started the modification process. We did not hear anything in XXXX. I started calling and they would ask for another piece of paper. I have so many applications and documents completed over and over again and faxed in. Each week, I would call and they would need a different piece of paper. It is almost as if they are trying for us to lose our home. There are several issues here ; I am on the deed and one CSR told me my husband had to authorize me to talk with them and another stated he didn't. Initially, we were not educated on the forebearance and how the mortgage accumulates and then it has to be cured if a modification hasn't been reached. I have called them every week. We just got turned down for a modification. We submitted an appeal on XX/XX/XXXX. I am sure we will get denied for that as well. I feel that the customer service agents are not trained well, do not have the same information and are extremely lax on helping customers. We can now resume a mortgage payment due to my income. Flagstar has not been transparent and has given us the run around. I am complaining to you and will be calling HUD and FHA with complaints as well.
I have always had medical insurance. XXXX hospital made an error in their billing and they state that I owe them money and I do not. Collections Consultants calls and harasses me stating they will sue and take me to court. I once tried to pay off a debt of XXXX which was the only amount that it showed I owed and when I tried to pay they did not accept it they stated that I owed over XXXX. This company seems very fraudulent and they operate like an organized crime group full of uneducated thug like individuals. Please shut them down. Thanks.