WillisBack/dataset-financial-user-claim huggingface dataset:
On the XX/XX/XXXX I closed my XXXX account for DSL internet due to moving to XXXX to change XXXX. About a month after we canceled our service we called to make sure that our internet account was closed/Free and clear as well as our other utilities/services. We were notified that our account was closed with a XXXX balance. Shortly after that we received a bill for XXXX dollars and I called XXXX to see what the charges were for and the gentleman from customer service reviewed the account and informed us that they had made and error and we were actually owed XXXX. After that I received an account summary detailing the closure of the account showing a XXXX credit. The day after I received a bill for XXXX dollars along with a collection notice from IC Systems. I called XXXX again talking with various offices customer service, account management, etc. and no one could explain the bill or the debt collection. I then called IC Systems and asked about the debt and how to resolve it. Seems that there was no way for XXXX to remove the collection notice and that I would have to dispute the charge and wait for review. I ended up paying the debt collector in hopes that XXXX error will not affect my credit. I plan on disputing the charge with letter to IC systems but do not have much faith in any resolution with XXXX. I can not tell you the time I dedicate to keeping my finances in order and have never been late on a bill. It is very embarrassing to receive a collection notice. Through some research on I have found huge amounts of complaints about XXXX for the exact same situation. Furthermore please take note to the account numbers on both the Account Summary, and the Bill that I was sent. They do not match between the two invoices, but in XXXX system both numbers associate with the same account. Any help that you could provide would be greatly appreciated we are in the process of closing on a house and this concerns me greatly that it will affect the closing in a negative way despite my stellar credit. Its very frustrating how willing they are to sell you services, but when your done they cant help at all. 

Thank you, below is the contact information for both companies involved. 


XXXX XXXX IC Services XXXX
THIS IS MY SECOND TIME CONTACTING YOU ALL REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report. I do not owe XXXX XXXX nor do I have an outstanding balance with them. see attachment as proof of inaccurate information.
On XX/XX/XXXX I attempted to file a dispute for some inaccurate information for my XXXX XXXX credit card but the online dispute system refused to accept my dispute. Listed below is the basis for my dispute. 

On XX/XX/XXXX I received a notification from Experian stating that my XXXX XXXX credit card account was 30 days past due. When I contacted XXXX XXXX they informed me that I made my minimum payment of {$45.00} on XX/XX/XXXX, but I was given the late notice on my credit report because the late fee associated with my account was not paid. I requested several times to get and explanation regarding this but was told that my minimum payment for my card was approximately {$160.00}. I asked if that included the late fee and the customer service rep said no it was my minimum payment. I asked to speak a dispute specialist but the specialist refused to take my dispute and stated that I did n't have any basis for a dispute. I then asked for a review of my payment history to see if there was a problem and again was denied. I then contacted customer service again and spoke with XXXX ( # XXXX ) and she took the time to explain what was going on with my payment history. She stated that back in XX/XX/XXXX my late fees were removed by a previous representative. She then explained that a payment was missed in XX/XX/XXXX and I was given a {$37.00} late fee. I was then informed that my balance due for XX/XX/XXXX was {$120.00}. After a review of my statement I observed that my balance due included my regular minimum payment of {$45.00}, my past due amount of {$45.00}, and the late payment fee of {$38.00}. I made three payments in the month of XX/XX/XXXX to bring my account current so that it would not effect my credit. I made the past due payment for XX/XX/XXXX on XX/XX/XXXX in the amount of {$54.00}. I then made the payment for XX/XX/XXXX on XX/XX/XXXX in the amount of {$54.00}. I then made the payment for the late fee accessed in XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX in the amount of {$54.00}. This brought my total payment amount for the month of XX/XX/XXXX to {$160.00}, which a credit of {$34.00} should have been added to by minimum payment due for the month of XX/XX/XXXX. XXXX the customer service rep stated that the payment made on XX/XX/XXXX did not go towards the late fee as requested but instead they used that payment and applied it towards my XX/XX/XXXX payment. This then caused me to be accessed another {$38.00} late fee for the month of XX/XX/XXXX. XXXX also informed me that even though my account is closed and I can no longer add to my overall balance, that they were added any late fee accessed on my account to my overall balance and chagrining me interest. I asked her if that was legal and she could not tell me, but she did inform me that the late payment remark on the credit report was not for the minimum payment being missed but it was for late fees. If XXXX XXXX would have applied the payments as instructed then the account would be current.
UPSTART NETWORK INC is reporting that {$31000.00} is owed to them and listed as a derogatory account, yet I DID NOT open an account with Upstart Network Inc. According to XXXX and XXXX, this loan is a private education loan, yet I am not in school. I enlisted in the XXXX in XXXX, and I have been an XXXX XXXX service member since that time. I get XXXX in less than one month, and I need this rectified quickly. 

I have maintained credit freezes on all three credit bureaus, due to identity theft. Upstart Network Inc. is reporting on my XXXX and XXXX credit reports. Upstart Network Inc needs to remove the derogatory collections accounts from my credit files. I give the CFPB permission to post this publically, so other consumers can be aware of the unlawful business practices Upstart Network Inc carries out.
I reached a judgment agreement in XX/XX/XXXX regarding a Citibank credit card debt following my divorce in XXXX. I hired an attorney to help me reach a payment plan and reached a second payment plan in XX/XX/XXXX. I was making the payments and fell behind as a result of my salary decrease and the death of my son 's father since there is no more financial assistance from him. I made a payment in XX/XX/XXXX and the balance was {$13000.00} ( I believe ). On XX/XX/XXXX, I asked the lawyer I had hired to reach out to XXXX XXXX XXXX and request a reprieve for a few months, because my son 's father had died in XX/XX/XXXX and I am no longer getting financial assistance toward his car insurance or his health insurance and due to downsizing at my company my salary was cut from {$60000.00} per year to {$36000.00} per year. 
When the firm I hired reached out to XXXX XXXX XXXX, they said my agreement with them had been terminated due to non payment. I believe I was two payments behind. Then the attorney I hired initially said I would have to rehire them to have them negotiate for them again. When I called XXXX XXXX XXXX, and the call was recorded, I asked them if I could reinstate an agreement at or near the {$13000.00} balance and their immediate response was " no, you would now owe back to the {$20000.00}. I do not believe they incurred over {$6000.00} in fees in this short of time. Also, since my checks are made to Citibank, I do not believe in the few short minutes they put me on hold they had any communication with Citibank regarding this issue. Since Citibank hired this outside attorney, I believe their collections practices are egregious.
I received a letter from Prime Acceptance Corporation on XXXX/XXXX/XXXX requesting payment for an account that was discharged in my Chapter XXXX bankruptcy back in XXXX XXXX. I 'm not sure why they are contacting me for the account 12 1/2 years later. I requesting verification of the account and they records clearly indicate the balance was in my Bankruptcy Chapter XXXX as of XXXX/XXXX/XXXX. My bankruptcy has been discharged along with this account and others so I 'm really upset that they would be trying to collect on a debt that was included in bankruptcy. In addition to that, the account is XXXX XXXX XXXX. Please assist with resolving this matter or refer me to someone that can. I also told the company to contact my attorney that was listed on the notification that was sent to them regarding my bankruptcy. In addition, the account was for an XXXX which closed a year later but moved to another XXXX center with men which I did n't sign up for, thus the company at that time agreed to cancelled the account. However, I wanted to make sure it was cancelled so I included in my bankruptcy filing so that I would not have any issues at a later date. So apparently they dis-regarded the bankruptcy notice since they are contacting me again about this account, or they sold it to this new company.
I received a letter fr om Chase stating th at my credit card interest rate would be increased to 25 %. I had, had the card for several years, and I have excellent credit.
I have called XXXX XXXX XXXX Visa to request a credit balance refund of {$7700.00} refunded to me and mailed to me that Synchrony has been hold on to on a closed account for weeks and i have not received this credit refund check on my account XXXX XXXX XXXX XXXX
In XX/XX/XXXX I received an auto loan from chase bank to purchase a car for my daughter. Up into the last few payments I turned the car over to my daughter and several payments were missed. Once I realized in XX/XX/XXXX I made the payment and allegedly {$.00} cents was left on the payment. Chase agreed that I did not have to send in the {$.00} and forward me the title to the car with the bank name removed as a lien holder. For the past 3 years I have been trying to get chase to correct my credit report showing that the loan was paid in full. As of XX/XX/XXXX due to the {$.00} I spoke with chase bank who admits someone error in the credit reporting and they will make the change. For three years with the negative reporting by the bank I would like the account deleted from all XXXX reporting agencies. The car has been paid off since XX/XX/XXXX numerous calls to Chase bank with no success to get them to correct there error.
I never applied for credit card to Amazon / CHASE OR any other agency such as XXXX, XXXX XXXX, XXXX XXXX, XXXX etc. Today I got a AMAZON.COM REWARDS CREDIT CARDS FROM CHASE BANK. 
THOSE COMPANY RAN MY CREDIT SCORE.
I disputed XXXX XXXX XXXX XXXX XXXX accounts back in XXXX 2015 and those accounts were removed from my Experian credit XXXX 2015. As of today they are appearing on my report after a long investigation.
I entered into a HELOC with the XXXX XXXX in XX/XX/XXXX. XXXX put a lien on the property at the concurrent with the execution of the HELOC documentation. Later that year, I was forced to file a Chapter XXXX Bankruptcy due to the failure of my business, and I received no further communications from XXXX. In XX/XX/XXXX, My wife and I each received an IRS Form XXXX ( Cancellation of Debt ) from Caliber Home Loans indicating that the debt had been cancelled. I did an on-line search for Caliber and called the Caliber Customer Support number to clarify what the XXXX was and to request that the original XXXX lien be lifted. I assume that Caliber bought the debt from XXXX. The customer service rep could not find any listing for this loan in their data base and gave me a number for the lien/debt collection department. I called this number, got put on automatic hold, and eventually was disconnected. I tried calling 4 more times with identical results. I included the XXXX in my personal income tax filing for XX/XX/XXXX. I now have my house up for sale and have gone through a local Title Company to assist in getting the lien lifted. The Title Company was told by Caliber representatives that company might reinstate the debt collection effort.
On  XXXX    XXXX  ,2017 there was an inquiry on my credit report from  XXXX   XXXX  and I did not authorize this or sign any applications.
I checked my credit report and it shows there is midland credit management reporting to for a XXXX account. This account is shown to have been opened around the XXXX cramming lawsuit which makes the amount not certain and needs to be immidently deleted from all credit bureas. 

XXXX has agreed to fully refund its customers for unwanted third-party charges it placed on their phone bills, a practice known as mobile cramming, paying at least {$90.00} XXXX to settle a Federal Trade Commission lawsuit filed earlier this year
I was part of the XXXX credit information hack. I find it unacceptable that I have to call/write each credit bureau individually and pay to freeze ( and again to unfreeze ) my credit file. Some states ( not mine ) appear to agree with me ( {$0.00} to add/remove a freeze ). 

When an incident like the XXXX hack happens, the burden of protecting my credit is on me. It should n't be cumbersome to do so. 

In my opinion, Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information. 

Thank you for taking time to read my complaint.
XXXX, XXXX and Experian are all reporting bankruptcy on my credit profile. I've disputed this information they continue to report inaccurately without validating the information.
I had to go to the hospital and CMRE ended up slapping with a debt I do not owe and my MEDICAL INSURANCE already paid.
In either XXXX or XXXX my amount due on my private student loan went up almost $ XXXX/month. I paid it, but it was causing financial hardship for myself ( between my private loan and my federal loan both owned by Navient I end up paying nearly $ XXXX/month, not to mention another loan from XXXX XXXX for $ XXXX/month ). 

I was advised by XXXX customer service representatives that they were unable to assist me, but if I let my loans go into default, there would be options available to me. Against my better judgement, I did n't pay my loan last month as advised. 

When I called today to see what options were available to me, I was told that they were able to lower my payments by $ XXXX/month ( great, awesome ) ONLY if I signed up for automatic debit. I had signed up for automatic debit in the past and had so many issues with it -- from payments being unequally applied to loans, incorrect amounts being debited to unauthorized payments taken out. At this point I asked to speak to a supervisor to see if I could explain that to them and see if they would agree to waive this stipulation. 

Beyond the supervisor being completely rude, I was told the same thing - there is nothing that can be done unless I set up automatic debits. I asked if there were any guarantees or assurances that issues that I 've had in the past would n't happen again if I signed up for automatic debits, and the supervisor got very insulting and surly. I am so disappointed in this company, I am willing and actually able to pay my loans, and have been for the past year or so BUT I can not pay this amount right now. I am feeling so despondent and hopeless after this call with your company. I just do n't know what to do with these loans anymore.
Paypal held my funds for over 21 days, which is beyond their contract and beyond the Electronic Fund Transfer Act allotted time frame in which to pay. 

The CFPB.gov is more than aware of the problems with Paypal holding funds to collect interest. Why is the CFPB not doing anything about this? Who may this be escalated to?
I have a savings account with Discover Bank. On XXXX XXXX, I submitted a request to Discover to verify an external account I have at XXXX XXXX XXXX. They made XXXX small deposits on Monday XX/XX/XXXX, then withdrew them out. On XXXX XXXX I submitted a request to transfer {$1900.00} from my savings to XXXX XXXX account. Discover bank withdrew it from my account on XXXX XXXX, but sent it through the ACH system with an effective date XX/XX/XXXX. It posted to my XXXX XXXX account on XX/XX/XXXX. The Federal Reserve does not debit Discover until the settlement date of the transaction. As a result, Discover held on to my money for 3 extra days and I lost 3 days worth of interest.
Select Portfolio Servicing negligently misrepresented a short payoff transaction that resulted negatively on my credit and caused damages to me. In 2016, I contacted SPS as they sent me a letter informing me that my mortgage would significantly increase due to a rate increase. Therefore, I asked them what are my options to avoid a rate increase as I had just completed the HAMP program and was on a good track which I wanted to maintain. The rep stated that I had the option to submit an offer to the investor and if accepted would be accepted as payment in full. I had asked the representative if this option would negatively affect my credit and the agent stated no, it would reported as paid in full as this is not a short sale. Also, the representative stated that they would send me a letter stating that my loan would be paid in full, which they did and I have a copy of the letter. I was concerned about my credit as I spent the last 5 years working hard to repair it due to late payments from the mortgage crisis, which I had explained to the representative. Again, the representative assured me that it would be shown as paid in full and I would receive a letter stating that I could use as proof. Therefore, I proceeded with the negotiation and sourced the funds to payoff my loan. After the transaction was complete, I receive my letter stating that the loan was paid in full. 

Thereafter, I applied for credit and was denied due to a short sale. I had advise the creditor that I have never sold my property and I only paid off the loan. They stated that the creditor is not showing the loan was paid in full but settled and it is negative on my credit. My score had dropped significantly as a result, and I am having a hard time sourcing the approvals needed to take care of my family and lifestyle. 

In conclusion, had SPS been transparent, informal, and truthful about the transaction, I would not have accepted to move forward in order to protect my credit that I just spent the last 5 years rebuilding.
I opened my current account with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, PA on XXXX/XXXX/15. Also on this day, a fraudulent account was opened in my name and social security number at XXXX XXXX XXXX XXXX XXXX XXXX, PA. I believe this was an internal error as the XXXX accounts were opened in the same day but I have been unsuccessful in getting XXXX to admit fault or even look at the problem ( this has now been going on since XX/XX/2015 ). We did everything XXXX asked us to do on our part by submitting the proper documentation that they required. After taking all these steps we never heard anything and the debt has now been placed on my credit report.
XXXX XXXX XXXX has reported negatively against my XXXX credit report as with other credit agencies. Will not stop attempting to collect a debt I have no knowledge of.
I closed my Citibank XXXX XXXX XXXX XXXX in the XX/XX/XXXX. I had no intention of re-applying for this product, but in XX/XX/XXXX, Citibank directly marketed this product to me with the promise of a sign up bonus of XXXX XXXX XXXX points after spending {$2000.00} within the first 3 months. I must stress that they sent marketing materials for this card directly to me and that I did not seek out this product. While I am not an expert on Citi 's policies, in the past, they have had a policy about obtaining a sign up bonus from the same product within 18 months from the date of the bonus being earned. Because I had held this product for at least 2 years and had closed the account more than a year ago, AND because they directly marketed the product to me, I assumed that I was eligible for the sign up bonus. Had Citi 's marketing not been sent directly to me, I would not have applied for this product. After making the minimum spend, the sign-up bonus was never released into my XXXX account I called customer service to inquire and they said that because I had held this product only a year before, that I was ineligible for the sign up bonus. This represents both a significant departure from their previous policy and more importantly, constitutes a false advertisement of this product.
I am the treasurer of my condominium association and in order to assist in the closing of one of our units, US Bank requested a balance sheet of us ; our CPA provided one at a cost of service {$250.00}. The bank stated the bill would be included in the closing and we would be reimbursed. This promise was made in a number of emails before and after closing. I also demanded payment a number of times to no avail. This last request I was told the new owner would pay the bill. The new owner knows nothing about this arrangement. I can not get satisfaction from the bank and think this is very unfair.
Theres 2 separate instances.

The first, I submitted a dispute because I got a table and it broke minutes after the drivers left. I provided as much documentation as I could. They didnt even call the merchant. My dispute ended up being denied.

The next one. I got some hair. It was defective and ended up a tangled mess 2 days later. A professional hair dresser advised me to get a refund. The company wouldnt do it, so I went to my bank. The bank denied this as well, even though I provided ample documentation
I opened a new account with Fifth Third last year. I started depositing checks to my new Express account before I opened a Money Market. I am a smart person and understood the process, perfectly. I never once slid the bar across the app to choose " i need immediate funds '' because there was no need for immediate funds. This bank charged me three times for a total of XXXX dollars, XXXX dollars each, and this is not right. I did not chose this and have saved videos on my phone to prove it. 

I have tried to contact the bank but they don't reply except for a form letter. I am a XXXX  person on a limited income but that doesn't affect my brain. I know what I did and what I didn't do. I am very highly technical and did not make a mistake. 

This is a glitch in their system and they refuse to help.
My attorney requested I reach out to you to advise that even though XXXX XXXX XXXX is in a large lawsuit regarding their collection practices on private student loans. They were advised to stop all collection attempts per an article in the XXXX XXXX XXXX until further notice and they are still calling to collect via a collector XXXX XXXX in MN
Equifax is allowing a discharged account to report open on my credit report when it should indeed be listed as a closed account. I have tried numerous of times to speak with XXXX and Equifax about this issue and they continue to inform me that this account is verified as accurate when it is indeed not accurate..