WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX placed a item on my credit report with a balance of XXXX this account was incorrectly reported. The account has been paid .And has a XXXX  balance but it should have been placed on my daughter 's credit report not mine. I never used XXXX XXXX XXXX XXXXXXXX this account was opened in Alabama. My daughter apparently put me on her account if I need towing service. But this account was not opened in my name. My daughter advised me she paid it. But the company placed on my credit file instead of my daughter. I have resided in Nevada since 2012 see attached.
I want to get the period of late payments removed from my credit report because I paid off the loan early
At one point I had troubled credit. I applied for a First Progress secure card. I started out with a {$300.00} limit due to that being the amount of my deposit. I fell on hard times and was not able to continue to pay. I stopped paying the card in which I assumed the deposit would be used to satisfy the debit and account would be closed. Now they are report the account as charged off due to late fees that accrued on the account for XXXX months. In addition, with the item being charged off they are reporting the items as currently delinquent. My problems are below 1. How can a company report something past due each month if the account is charged off 2. How can a company over draw a secure account with fees if the usage of the account never let me overdraw the account? 
3. The company was not able to reproduce my original application to show validity of account.
XXXX is apparently handling a federal loan and are refusing to work with the payments that I can afford. I can not afford more than {$200.00} a month.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX account # XXXX .Ive Been trying to verify this account and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Hi. I had recently received a call from a collector ( Insight Captial ) stating that I have a summons and that they have been trying to reach me but I did not receive anything. They started that if I did not contact them immediately they will send it to my employer. They said that they were trying to collect a debt of over {$700.00} that I owed their client for return payments. They had all my information like SSI, drivers  license number and home address. I told them I do n't know what they are talking about and owe nothing. They continue to push so I decided to end the call. I 'm not sure what they were looking for but the bank they had on file for me was an old bank ( XXXX XXXX XXXX ) I used almost 7 or 8 years ago. I asked them for whatever they have like contract but they would not send it to me. They wanted me to set up a payment plan with them with me going over the information. Thank you in advance, XXXX
I have XXXX different credit scores with Experian Credit Reporting Agency. I recently signed up for one of their credit monitoring products and they gave me my FICO score of XXXX but when I went to apply for a mortgage they stated that my Experian credit score was less than XXXX how could that be.My score should be XXXX score rather good or bad based on a consistent industry standard system.
I requested my credit file not my report, I needed to know what paperwork/contents were, how  Trans Union  and   XXXX   was verifying erroneous account information. Under section   609 of FCRA I am entitled to this informations, All companies refused, the reps have no idea of this act or section I was referring to.
I last spoke to Trans Union    XXXX / XXXX /  XXXX  , the reps and supervisors do n't know the difference between a credit file which should contain, contracts with my signature for each creditor, I asked for who verified the information, how it is being verified This fell on deaf ears.   I am disputing an fraudulant account
I have been payin for my VA home loan for almost 20 years .l am a  XXXX  vet, I fell behind because of car repairs and health issues.I have applied for the loan modification option and it 's been ridiculous. Since  XXXX     2016  they have been giving me the run around saying they are not reviving my letters send by email .Now they want me to send  XXXX . Getting my divorce validated here i n P.R and  put me on a probation payment plan for 3 months. I calculated and I paid more than {$140.00}. To then on an Orginal {$70.00}. Loan. I do n't want to loose my house. Thanking you in advance  XXXX
- Failure to deliver offered 'services ' - autopay - to all customers - Policy to not automate use of rewards points to pay outstanding balances - Suspicion that they are intentionally complicating payment to drive up late fee revenue This is in regards to a Bank of America credit card. I tend to pay credit card balances in full on receipt. I usually set this up to happen automatically, either through the credit card company or by having the bill come to my online bank. I had been doing this with BOA until the last couple of years. Then this capability ceased to work. I could not get BoA to work through my bank or for them to do autopay. After repeated calls to get it fixed ( they were never very helpful ) I gave up. As a consequence I tended to use the card infrequently. Without the automated help, I've been occasionally late. When I notice, I then pay in full. They then still charge late fees ( {$28.00} ) when I have more than that in rewards points. Their policy of course is that I have to manually apply rewards points to the outstanding balance. 

I believe BOA is intentionally making it difficult for people ( at least me ) to stay current with my account in order to incur late fees. This could be a technique applied to people that try to pay in full. 

I have closed my account, but wish to make an issue of this. I contacted BOA and asked how to make a complaint to them - they declined to allow me to make a complaint or to send me the dialog of the chat session. The chat session was today ( XX/XX/2018 ).
For two days, I have been trying to upload requested documentation to place a security freeze on my credit report through Experian after my identity was stolen. The website continues to say that it is unable to upload documents ( despite that there are only three documents and clock in at under 1 MB collectively ) and I need to mail them in ... which not only will significantly delay the application of the freeze, but will also subject me to additional security issues since what I need to submit is sensitive information that, if stolen, could lead to additional identity theft. I've also tried to call two different numbers over the past two days and can never get a live person. I end up in an automated voiced loop that does not provide any assistance. I placed a freeze with the other two credit bureaus with no problems, dealing with both online as well as talking to someone live.
We cancelled our XXXX XXXX service to be effective XX/XX/XXXX because we were moving. We were not able to move our service because XXXX does not offer XXXX service in our new area. We gave them our new address. 

On XX/XX/XXXX XXXX sent a statement to our old address which reflected a balance due for the period XX/XX/XXXX through XX/XX/XXXX in the amount of {$69.00} and a balance due for XXXX in the amount of {$38.00} ( total {$100.00} ). 

We immediately called and spoke to XXXX. She told us not to pay the bill, that the corrections would be reflected in the XXXX statement. Again, we gave them our new address. 

Despite telling us they would fix the problem, they sent us to a collection agency. We contacted the agency and sent a letter outlining the issues. We never heard back from them. 

In XXXX we received another collection letter from a different agency. We contacted them and wrote another letter. We never heard back. 

In XX/XX/XXXX, we received another collection letter from third agency. We contacted them and wrote another letter. We never heard back. 

Last week ( XX/XX/XXXX ), we received yet another collection letter from a different agency. We have sent them a dispute letter. 

Additionally, XXXX has reported us to the credit rating bureaus as not paying our bill. Technically, that is correct. But we have n't paid it because we have n't received a corrected bill. 

How many times can XXXX send us to a different agency? This is getting to feel like harassment. We are willing to pay what we owe, but we would like a corrected invoice.
I am filing this complaint do to the fact that AMR is double reporting an alleged debt by falsely changing account numbers to where it appears to be XXXX different debts. These tactics are not allowed in the fair debt collection for alleged debt. Falsification to inflict harm to a consumer will be met with legal action against AMR.
Capital one charged me a past due fee then waived. The rep told me that I didn't have to pay the fee with my minimum payment so I didn't. I paid my bill before the due date but found I was charged again for a past due fee. THIS has to stop. I did not receive credit for any of the past due as promised.
This company is attempting to collect a debt that is 9 years past and has exceeded the limited time to collect and sue. They know that but they keep calling.
We borrowed {$32000.00} twenty years ago from Green Tree Mortgage, I contacted them back in XXXX to see what my pay off is and I was told {$30000.00}. At that time I have requested several times a copy of the contract we signed, and have yet to receive it. I hVe called about once a week asking them where the copy of the contract and they keep shuffling me around operator to operator. Recently they sent me something that was not the contract and it was signed by people that were not there the day we signed, also the Co. That it says is wrong as well. I 'm still getting the runner around in regards to my contract. Please guide me in a direction that I could get some help.
I lived in housing paid for by my then employer and when I left the company to move home they didnt transfer the lease into the new management leaseEs name as I was told.
XXXXHilco continues to verify a XXXX debt to XXXX, during the dispute process, that has been reported as fraud. XXXX/Hilco have received XXXX police reports from XXXX & XXXX from XXXX, and have removed their reporting to those credit agencies. The report from XXXX was from XXXX XXXX Police, & XXXX was from XXXX XXXX Police Department. There was fraud on my account with XXXX from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, & XXXX XXXX, XXXX. 

In CFPB case XXXX, gap stated in writing, through their Corporate Consumer Relations Specialist, XXXX XXXX that, " they have verified the amount owed by me. '' However, it is idenity theft. And gap 's account listing on my XXXX report, should be removed. I have been unable to talk to XXXX XXXX because when I call, it goes to voicemail. A request to set a specific time to call & discuss this matter by email, gone unresponded to. 

I am unaware why XXXX continues to verify the debt. A separate CFPB case complaint will be filed, to have them answer to that.
This company with no name or information or address is reporting on my credit, and it is affecting it really bad. There is no way of communication and is reporting as N/A.
Nationstar provided a HAMP modification to my primary mortgage, XX/XX/2013, with a provision they failed to deliver : XXXX Rev XXXX says and I received the " annual incentive payment of up to {$1000.00} for the first XXXX years after the loan modification. '' However, despite XXXX Rev XXXX saying " In addition, once your loan is permanently modified, you may be eligible to have some of your principal forgiven on a deferred basis. So long as your modified loan remains in good standing, we will forgive {$49000.00} of the principal balance of your loan each year on the anniversary of your first trial period payment date for XXXX years. '' that provision has been ignored, despite never missing a payment, remaining in good standing and several attempts to communicate the desired principal reduction XXXX my house is still underwater XXXX years later XXXX.
I sent a dispute to  XXXX  and equfax in ref to a acct with   XXXX   XXXX   XXXX   over 30 days ago. They are reporting that the vehicle was a voluntary repossession and it was not. I asked the credit bureau to validate the information and to provide me with the names and information in which they used to validate the information. They did not provide me with anything. The balance they are reporting is {$7600.00}. I asked them to please remove it if they were not going to validate and provide me with the requested information that I have a right to under the according to the FCRA
I checked my credit since my wife and I are looking at what it would take to get a house next year in the XXXX. When looking at the Equifax report in early XXXX I noticed a card on the report that was not mine. I disputed the item with Equifax , who then a month later said that they had verified the account and that it was " mine ''. I called the Bank and they claim that I do n't have an account with them, yet Equifax insists that I do.
I opened a checking account with TD Bank in XXXX. I deposited about {$150.00}. However I did n't use the account until years later when I payed a credit card bill for about {$100.00}. I never knew there was a maintenance requirement meaning a balance had to be maintained. Apparently I fell below that balance after paying my credit card bill and I was incurring a maintenance charge every month. I never received a monthly statement from TD Bank or an email alerting me to the fact that I was incurring this maintenance fee. However I just received a notice of the bank closing my account and I had a balance due of {$41.00}. 
I went into the TD Bank yesterday where I opened the account to inquire what was going on. I was told about the maintenance charge and the balance due. I explained to the customer service agent that I never received any bank statements from TD Bank and never was told there was a required amount of money to be kept in my checking account when I opened the account. The customer service agent called the assistant Vice President to talk to me, XXXX XXXX who explained to me that I would not be reimbersed for the maintenance fees that TD Bank charged me even though they never sent me checking account statements. This was final. When I got home I reviewed the information that TD Bank gave me when I first opened the account and there was no information about maintenance fees or required monthly balances. I am out about {$50.00} but it 's the attitude of this bank that is worthwhile noting. I am a senior citizen and even {$50.00} means something.
After reviewing my credit report I see that GM Financial has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XXXX 2017.
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
I had informed the Business they have the wrong person and no debt on my end but they keep calling my cell phone every day. I did block the number but they leave messages daily.
I have a XXXX mortgage serviced by Seterus, because of a payment change and an escrow shortage the account fell behind about {$5600.00}. I have proposed to Seterus to make XXXX ( XXXX ) monthly payments of {$500.00} to get the account current. They are giving me a hard time and threatening foreclosure for such a small amount, especially the regular monthly payments are been made.
I graduated with a XXXX XXXX in XXXX and began paying on my student loans shortly thereafter. As such, I was counting on having my loans paid off by the 20 year mark this year, XXXX. In XXXX, XXXX I called Navient who was my loan servicer to confirm my payoff date and was informed that I had consented to a " Refinance '' into a " Right Rate '' loan product in XXXX. As I could not recall doing such a refinance, I asked the representative to send me a copy of any and all documents relating to the transaction. Navient sent out a Promissory note with a signature that was not mine. It was my name on the promissory note, but the signature was not mine as I had never consented in writing or otherwise to a refinance. I called to dispute the details of the promissory note and the extended re-payment terms, but the representative said there was nothing he could do about it. In XXXX, XXXX I moved my loans to XXXX XXXX. I feel as though I was defrauded by Navient resulting in thousands of dollars more in payments and that the remainder of the loan should be dismissed or forgiven.
I contacted XXXX XXXX and 1st Investors Financial SErvices about several inquiries that are on each one of my credit reports from their company. I explain that the inquiries were not authorized by me. During the times the inquiries were made I was in XXXX XXXX getting ready to move the following month I had no need to be shopping for a car in Missouri, I also advised the rep that I was a my ex had used my identity before and that could have been the case. I asked the rep to provide me with the original document with my social security number and signature proving that I made the inquiries, because their company is reporting the inquiries in the sate of TEXAS I have the RIGHT to request VERIFICATION of how they received information. XXXX XXXX sent a letter back dated XX/XX/17 stating that I had to contract the dealerships to get a copy of the original contract, hence the dealerships are in XXXX XXXX Missouri. I called the dealership and they said that they destroy contracts unless they are approved. I told them that I never came into their office and applied nor did I apply online they told me that I had to contract XXXX to get the inquiry removed. I am tired of going back and fourth to get something removed in which I never inquired about in the beginning. This inquiry alone with a dozen others are causing my credit score to decrease and I want these inquires removed from all there reporting agencies immediately.
I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
After 13 years of card membership and no significant issues, and without warning, Discover Card chose to close my account on XX/XX/2018, exactly 1 month after increasing my credit line by 40 % ( from {$1500.00} to {$2100.00} ) on XX/XX/2018 -- following a review where they stated : 1. " Congratulations! Due to your overall excellent credit management, we've increased your credit line to {$2100.00}, of which {$1200.00} is available as cash. Your new credit line is now active to give you more purchasing power and flexibility when you need it. '' 2. Why did I receive a credit line increase? " To recognize the responsible credit management you have demonstrated over the years, we have increased your credit line. '' 3. Did Discover pull my credit report to make this decision? " Discover receives a copy of your credit report each month for maintenance using soft inquiries, meaning there is no impact to your credit. This information was used in making the decision to increase your credit line. '' Nothing changed on my credit profile or report, the account was in good standing, paid on time with had no recent late payments, and had a balance of {$0.00}. My credit score remains " good. '' Either their processes and procedures are inconsistent, undefined, or they are completely incompetent.
I have placed a request of transfer of Health Savings Account funds from HSA Bank to another custodian since early XXXX. I have contacted HSA Bank several times to inquire on the transfer status. Each time I am confronted with another delay and excuse why they wo n't release the funds. The last time ( XXXX XXXX, 2017 ) I was told that they require up to 6 weeks to process a payment. It is beyond reasonable that a banking institution would require such a duration to perform an action like this. At this point, I believe the funds are being withheld with undo and intentional delay for financial gain of interest and/or fees by HSA Bank. A definition of fraud is a deliberate deception to secure unfair or unlawful gain, or to deprive a victim of a legal right.