WillisBack/dataset-financial-user-claim huggingface dataset:
Iam writing in reference too the XXXX XXXX Collection Acct on all 3 of my credit reports XXXX, XXXX and Experian under state statue 7rs or over they must be deleted of my credit reports not just showing closed please remove off my credit reports!!! Thanks
I currently have four debts showing in my Equifax Credit Report. All which have been addressed. I have called the creditors on them and the creditors have advised the following : XXXX XXXX XXXX ( XXXX ) - Balance {$210.00} XXXX has advised that the account does not belong to me. That this is for an individual with the same name and same prior address which indicates that it may belong to a parent because we have the same name. They have advised that this has been reported to the credit bureau. I 've submitted multiple disputes to Equifax and this continues to be in my credit report. 

XXXX XXXX XXXX ( XXXX ) - Balance {$330.00} Same as above XXXX XXXX XXXX - Balance {$190.00} I 've taken the same action as noted above with XXXX and concluded in the same with XXXX. Again I 've submitted multiple disputes and this continues to be in my credit report with Equifax. XXXX XXXX has also advised that they have reported to Equifax of the same. 

XXXX XXXX XXXX ( XXXX ) - Balance {$330.00} Same as noted above for the previous two XXXX records.
Bank of America charging me maintenance fee of {$5.00} every month. Customer care representative told me that they announced about changes to Saving account in XX/XX/XXXX via monthly statement ( Paperless ) that any account without daily balance of {$300.00} will have to pay this fee. I just checked my savings account now ( almost one year later ) that BOA is charging {$5.00} every month. 

When i requested that they should have used better means on communicating a change in service which needs an action from account holder, they didn't have a better answer. I see this as a stealing from customers with sneaky means of communication. 

It happened with me earlier as well in XX/XX/XXXX & XX/XX/XXXX where they used to charge {$1.00} fee and when questioned they used to revert back the charges saying that its software problem. 

How can we make sure that BOA is not stealing our money. 

Thanks, XXXX
On XXXX XXXX, 2016 my family received approval for HAMP tier 2 from SLS ( XXXX XXXX XXXX ). The three Trial Payments to begin XXXX XXXX, 2016, however four weeks later I was notified that the file had been audited after my approval was sent out and that unfortunately a mistake had been made while processing the file and that our family did not qualify to receive the modification after all.
Transworld Systems , Inc is a debt collector for XXXX. In XX/XX/XXXX I moved from XXXX to XXXX and paid all utility bills in full prior to relocating. In XX/XX/XXXX I noticed XXXX added a collection account to my credit. I disputed this information with XXXX and provided my proof of payment in full. They removed their account but in turn sold the account to Transworld Systems , Inc in XX/XX/XXXX. In XX/XX/XXXX I signed up with a Credit Counseling company called XXXX and I provided Transworld Systems , Inc with a certified letter asking them to validate this debt within 30 days. They never provided the information but removed the erroneous information from all 3 credit bureaus. On XX/XX/XXXX, I received an alert from XXXX XXXX that a new collection account is on my credit and my score dropped 15 points. This new collection account is from Transworld Systems , Inc with an original creditor as XXXX. I have been disputing this for 4 years and initially XXXX removed it but sold it to Transworld Systems, Inc. I disputed with Transworld Systems, Inc and they removed it since they couldn't validate the debt and now this is the 3rd time this has appeared back on my credit file. I have not received any letters in the mail or received any phone calls from a live person to discuss this since I spoke with XXXX in XX/XX/XXXX. Transworld Systems , Inc and XXXX are working to erroneously add items to my credit without following any of the CFPB regulations regarding reporting delinquent information to the credit bureaus. Considering they removed the debt twice after receiving certified letters from me, proves the debt is not valid so I am not sure why they would legally be allowed under any CFPB or Fair Credit Reporting Act to continue to add erroneous items to my credit report after they have been disputed and removed.
I went to the TransUnion website to get a free annual credit report. I have subsequently learned that this is only available at XXXX. The entire time I was at the TransUnion website I thought I was getting a free credit report. At no point did I see that I was signing up for a service that involved a {$19.00} per month recurring fee. They did ask me for credit card information but this was requested in order for them to make sure that I was the subject of the credit report I was requesting, as a form of authentication. I was aware that the credit reporting agencies have been fined time and time again for signing consumers up for services without the consumer knowing it. Even knowing this, and watching out for it, I somehow managed to sign up for a service on their website and not know it for 6 days, until I saw the charge on my credit card statement. I called them to cancel the service, which they claim to have done, but they did not refund the initial charge. At trhe very least this is a deceptive business practice. At worst is is fraud.
I have XXXX account XXXX that was late 3 times in XXXX XXXX XXXX XXXX and XXXX XXXX. This account should be deleted but Trans Union has informed me that it will not be deleted until XXXX XXXX XXXX XXXX would have been 7 years and first delequeincy
XXXX XXXX from Natural Credit Adjusters is contacting an employer indicating he has information on a loan application I submitted. I contacted him at the number provided and he proceeded to inform me it was in fact a debt call. When I advised I was unaware of the debt and requested he submit to me the documents referred to in writing, he started yelling at me that I knew I owed the debt. XXXX
This company has reported a a amount owed for a XXXX account which I have paid when I returned my phone
I 've provided Equifax and XXXX with requested info such as police report, identity theft affidavit, FTC identity theft report and more but Equifax and XXXX has not deleted inaccurate accounts off my credit. XXXX/XXXX XXXX and XXXX XXXX XXXX is not mine. Neither has Equifax provided me with proof the accounts are valid within 30 days. XXXX was not provided proof so they deleted these accounts in 30 days ( since XXXX 2017 ) but Equifax has not complied after I have complied and provided proof those accounts are not mine. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws
On XX/XX/2017 I noticed a delinquent notice on my credit report from TD Bank, statng I was 120 days late on a credit card. I called TD bank and their fraud dept on XX/XX/2017 and again XX/XX/2017. I was told by TD bank agent on XX/XX/2017 that the account was not mine and I was not response for it. I was also told by the TD agent that they would contact all three credit agencies and correct the same and also send me out a letter as to not being responsible for this account as well. As a result of this mistake from TD bank, my FICO score went from a XXXX to a XXXX. Its been over a month and I did receive a letter from TD bank as to this account not being mine nor am I responsible for it but TD bank still has not corrected my credit report of this erroneous delinquent account by removing it, Now, other creditors of mine such as XXXX, XXXX etc. have cut my available credit with them in half as a direct result of this negative reporting by TD bank. This TD accont is a credit card ending in XXXX or XXXX both come up in the credit report and both are the same account. I have tried several times again and again to contact TD banks fraud dept but only each time to be placed on hold for 1 hour and 14 minutes or longer with no one ever picking up the phone. I have also informed experian of the above on XX/XX/2017.
In violation of the Fair Debt Collection Practices Act, CMRE Financial Services , Inc is attempting to collect a debt from me for a medical account that has already been paid. I have a copy of the check XX/XX/2018 paying the account directly to the original creditor ( XXXX XXXX XXXX ). I  am uploading the copy of the check here. The creditor account number is XXXX and the CMRE account number is XXXX. The amount paid in XX/XX/XXXX was {$190.00} which was the full amount due. CMRE Financial Services , Inc has no claim as the entire amount was already paid in full directly to XXXX XXXX XXXX.
I started making payment to get out of default, once out of default i tried to srart working on the debt. After making a settlement release payment of XXXX i got a wage garnishment paper from department of education. They told me i have n't made any payment and the XXXX XXXX XXXX that i was paying was not real. And none of that money even counted as payment.
I have sent Transunion Communication on behalf of a collections account that is in dispute on XX/XX/2017. I haven't receive any information on the procedures used to verify the account with XXXX XXXX XXXX. 

I have sent them multiple communications and have yet to receive anything from them, however Transunion seems to have been able to verify this information. 

At this point, my rights are being violated and these companies are not adhering to the law as they are still reporting to my credit within providing adequate responses within the designated 30-45 day timeframe. 

I am having difficulty with purchasing a home and its a result of these negative items that aren't being properly verify. I understand that I'm one person against a huge organization, however my rights are protected. Something needs to be done immediately.
To Whom It May Concern : On XX/XX/XXXX between XXXX and XXXX XXXX ( XXXX XXXX EST ) my Bank of America debit card under the name, XXXX XXXX XXXX associated with the shared account ending in XXXX was stolen from my bag along with my XXXX  XXXX credit card and silver XXXX XXXX. 

My belongings were taken from my bag in the mens locker room of the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Upon discovering that both my access to cash and cell phone were gone, I returned home to report the cards and phone stolen on the respective banking and mobile carrier online portals. 

As evidenced by the below email, Bank of America acknowledged my choice to lock the card and to issue a new card associated with the account. Please note the language, Your old card will be deactivated immediately. Upon reading this and having a similar experience with my XXXX XXXX card, I had no reason to doubt this. However as we are all too familiar, this was not the case. The thief was able to withdraw nearly every penny from the account from shop locations in XXXX XXXX ( over 10 hours drive from XXXX ). 

My family and I had departed from the United States to XXXX on the XXXX of XX/XX/XXXX. I alerted Bank of America to our travel plans via the mobile application. The last transactions related either to myself or to XXXX XXXX ( primary account holder ) were fees associated with a withdrawal on the XXXX of XXXX in XXXX. The final account balance stood at {$4100.00} as of XX/XX/XXXX. The thief made all subsequent transactions in the metropolitan area of XXXX, XXXX. 

In regards to the frankly offensive and unfounded accusations that either an accomplice or I were using a PIN to make transactions ; there is a complete lack of understanding of XXXX consumer finance practices. Sign-less, PIN-less transactions under {$100.00} XXXX can be made at most retailers and larger trusted retailers ( i.e. XXXX, XXXX  ) are exceptions where the limit is up to {$200.00} XXXX. 

I received a new XXXX XXXX card and XXXX with no issue the following week. This is in stark contrast to the appalling level of ineptitude by Bank of America to protect the funds of a joint account for two customers since XXXX. We require a refund of our lost debit account funds ( {$4100.00} ). 

I faxed the above statement to Bank of America ( fax attached to this complaint ) on the XXXX of XXXX and have not received an acknowledgement or a response. The year is XXXX and I am faxing material to one of the largest banks in the country. Surely, I am living in a XXXX novel because this does not seem to be the most efficient manner to deal with the issue at hand. 

We look forward to your help in coming to a quick resolution for this matter. 

Best regards, XXXX and XXXX XXXX
My bank ( XXXX ) account was accessed as a result of fraud. My bank closed the account but neglected to move the automatic payments to the new account. 

one mortgage payment ( specialised loan servicing ) was late. 

The bank issued a letter acknowledging the problem and admitting fault. 

The company refused to take this into account and adjust the report to the credit agencies.
On XX/XX/XXXX, 2017, I filed an " Initial 90-Day Fraud Alert '' which entitles me to a free copy of my credit report. I discovered a fraudulent tradeline from a collection agency originating from " XXXX XXXX '' on my TransUnion credit report. I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ).
On XX/XX/XXXX, 2017, and every day thereafter ( including weekends and off peak hours, such as XXXX. ) I have attempted to use TransUnion 's online portal to place an extended freeze on my credit report. Usually the online portal will tell me that the system is busy and can not process the request ; however, occasionally, it will give me the error that it can not give me a copy of my credit report. I already received a copy of my credit report, found fraudulent tradelines, and I need to place a Freeze. TransUnion 's error does not make any sense. 

I am the victim of identity theft and need to freeze my TransUnion credit report, but can not obtain a freeze from TransUnion.
I opened an American Express account XX/XX/2017 and it was connected to the XXXX program. I have been using the card and making my payments on time each month. This month I went to make a payment and in bold red letters across the top it stated ACCOUNT IS CLOSED. There was no explanation. I called and was told they discontinued the XXXX card. I spoke with a rep and a manager. They will not transfer my account in good standing to a different type of AE card. They offered for me to just reapply if I want to stay with AE. Their actions are going to negatively affect my credit score act across the board. They told me they decided the XXXX program was not working for them - not enough interest. I asked why there wasn ' t any notice and they told they sent one in XX/XX/XXXX. They mailed it to an address in the XXXX after I called and explained that we were staying somewhere else temporarily and gave them a new address. If an account is in good standing, it should be transferred to a new AE card. Consumers should not be negatively affected by a credit card companies actions.
XXXX mortgage Is stating on my credit report that my account was charged off in a chapter XXXX bankruptcy and the account has been closed. I have not included this debt in my chapter XXXX plan and this was on the outside payment, I have been timely and never missed any payments as per contract. I would like it to report payed as agreed.
I was unable to make payments on my {$16000.00} private loan through Chase for several months. They are refusing to allow me an affordable payment plan. I am now in a financial position to make meager payments but because my loan is in default, they are demanding full payment or " deal with the consequences ''. They will not inform me of such consequences, refuse to set up a payment plan, and are threatening to go after my consigner. I am petrified of the repercussions I could face as a result of a private loan default.
I just paid {$19.00} monthly payment to Transunion come to find out they are report my Child Support Account # XXXX as Derogatory account. I called and spoke to the supervisor name XXXX and ask him why is this account being report as Derogatory account when there is nothing on the payment history that makes this account Derogatory, like miss payments, collection or behind in payments. I ask the supervisor to provide me that information so I know how to dispute this account. And the supervisor could not give me the reason why. This unfair to a customer who credit report is everything when it comes to getting funding, besides the fact you have to pay transunion to get your report and the also charge members. The least they can do is make sure any account that is reported to them has a payment history or proof showing why account that is being sent to them as Derogatory so the customer know why. And if it is not done correct it should be remove immediately. No other credit reporting agency is reporting this account as Derogatory but Transunoin. I attach XXXX and XXXX account also. When it comes to credit reporting agency if there is a clear error it should be move right away. How can you call an account that has good payment history, no late payments Derogatory. This is nothing to dispute change the account to good standing account or delete it. I am looking to get funding right now and dispute take up to 30 to 45 days. I can understand if there was evidence of late payments so I could fight that. There is nothing for me to fight but that fact why is Transunion is the only credit reporting agency reporting account XXXX this way and do n't even know why. I attached the payment history and it is reporting ok from Transunion and with that clear evidence there still wo n't make any changes. This is very serious, this can hurt and will hurt someone who is trying to get funding. Error like these that get reported by the customer, when it is there report and the agency does nothing. Transunion should get a fine for violating a customer right of not reporting correctly when the credit report agency should have clear guide line. You can not report negative information with out proof. Even worse report negative where there is nothing negative on the account you are reporting. This is holding me up from getting funding. Why pay to be a member when they do n't care about the member. Transunoin is trying to blame Child Support for this error when the payment history from Child support is showing that I am on time. Transunion is the ones calling this account Derogatory. 
I attached Payment History from Transunion showing no lates I show proof that Transunion is reporting XXXX derogatory account and it is the Child Support Account. 
Proof that XXXX and XXXX They are report as paid and current.
XX/XX/XXXX I signed up for a promotion through Citi Bank that promised XXXX Thankyou points if I completed the requirements. The requirements were that if I opened up a Citigold checking account and spend {$1000.00} dollars within the first month and make XXXX bill payments within consecutive months, I would receive XXXX Thankyou points within 90 the next 3 billing cycles or 90 days. I completed these requirements XX/XX/XXXX. At that time, I called to verify that I would receive the Thankyou points. The agent told me over the phone that I would be by XX/XX/XXXX. XX/XX/XXXX, I made a follow up call to verify that information again. The associate told me that I would receive them by XX/XX/XXXX. XX/XX/XXXX, I read some information that said that Citi was trying to renege on paying the points. At that time, I called and the associate said they would need to open a case with their back office. The case came back saying that I was not targeted for the promotion and therefore was not eligible. After this I called and asked to speak with multiple supervisors. In the many calls I made to supervisors, I never was helped. At that time I asked to speak with someone in the executive department. I was told that someone would call be back within 24 to 48 hours. I was promised this 3 or 4 times after multiple call and still had not heard from anyone. One night, I was able to get in touch with a " client retention specialist ''. I believe that was the correct title. Her name was XXXX XXXX. Her phone number which she provided to me is ( XXXX ) XXXX. She told me she would look into the issue and call me back. I told her how frustrated I was and that I was considering taking my complaint to the CFBP. At that point, she assured me that I would receive the Thankyou points. She told me that by the end of the next billing cycle, the points would be in my account. The timeframe she gave me was XXXX XXXX. The points were still not in my account on this day. I called her back and told her they had not been deposited. She then stated that my account billing cycle ended on XXXX XXXX and that I should receive the points at that time. She promised that wether on not they were deposited on XXXX XXXX, she would call me back with some sort of reason as to why. It 's XXXX XXXX today and I still have not heard from her. I have left numerous voicemails with her. I have also called and talked to supervisors who say they work with her and that they have emailed her and assured me that she would call me back within 24-48 hours. That still has not happened. I have gone through this process at least 3 times. I have still not heard back from her. Again, this is after she assured me that I would receive the Thankyou points. This is a highly frustrating situation and after spending about 2 hours total on the phone tonight and being promised a call back from her or her manager within an hour and not receiving anything, I 'm at my wits end. I 'd like to ask your organization to help.
I received a counterfeit check as a deposit for a job I was supposed to do the weekend of XXXX XXXX. I deposited the check on Saturday, XXXX XXXX and it cleared and was posted to my account Monday, XXXX XXXX. On Tuesday, the funds were there, so I withdrew {$2800.00} to pay someone else working on the same production and deposited into another account at the same bank. There was no sign of a problem until after the close of business that evening, around XXXX XXXX, when I happened to look at my bank account and saw that it was - {$2300.00}. Confused and shocked, I called Wells Fargo to figure out what was going on and after speaking with XXXX people I finally found out that the check was counterfeit. They told me that I was responsible for the transaction that I had made while the check was posted and that there was no other option besides just paying the money back. I obviously would n't have made the transaction if I had known it was a counterfeit check and I was being scammed, but they did n't care at all about that. I called the police and filed a report. The next morning, I called the branch where I had made the transaction, explained the situation, including that I still had the deposit receipt and essentially begging them to do anything to help my retrieve my money and get my bank account positive again. They, too, said there was nothing they could do, but I could call Loss Prevention and they might have mercy on me. They did n't. I have now spoken with XXXX or XXXX people at Wells Fargo and no one is willing to so much as inquire into the other party 's account to see that he is a criminal. I feel very wronged, not only by the scammers, but by Wells Fargo for not caring that I have been stolen from and lied to and that the person doing it is a customer of theirs. As it stands, they have used the {$550.00} I had in that account toward the negative balance of {$2800.00} so I now owe the bank {$2300.00} ( part of which is money I worked hard to earn ) for a counterfeit check that was given to me.