WillisBack/dataset-financial-user-claim huggingface dataset:
I have collection account that are still showing on my XXXX report that have been deleted from other reporting bureaus. These accounts were deleted by using a third party agency and XXXX has yet to delete account from my credit reports. The 4 accounts could not be verified or validated. I would like XXXX to do as the other bureaus have and update my Credit report to reflect NO collection accounts. One account ( IC systems in the amount of XXXX ) on consumer report exceeded the 30 day to validate debt by accordance to FRCA requirements and is in violation but has failed to delete account. I am also submitting a complaint to the XXXX against XXXX and IC Systems for violation of FCRA.
I have requested that this creditor provide the validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XX/XX/2017 and I have not received any correspondence as of yet. It has been approximately 113 days. The collection amount is listed on my credit monitoring site for {$150.00} and I was never made aware of such debt in writing.
Portfolio Recovery Associates had placed this negative items on my credit reports without notifying me. I filed an dispute with Portfolio Recovery Associates on XX/XX/2014 and they never responded to my dispute. Portfolio Recovery Associates violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. I had requested this item deleted off the CRA within 15 days from the date of the dispute letter.
Equifax has put a security alert on my credit that I did not ask for and shared this with XXXX and XXXX
My property tax is paid with my mortgage payment via SLS Mortgage - the loan servicer. 

In XX/XX/XXXX, I called SLS Mortgage to find out what the process would be for receiving a refund if I decided to directly pay my 2nd property tax installment by XX/XX/XXXX. I was told that it was a simple process to be reimbursed for the pre-paid property tax ; that I would just need to fax or mail SLS a letter requesting the refund and a receipt from the County proving that I had paid the tax. I was clearly misled when I was told that it would be a simple process back in XXXX. 

Based on what I was led to believe, I prepaid my 2nd property tax installment by XX/XX/XXXX, and did exactly what SLS required in order to receive my refund from the escrow account. On XX/XX/XXXX, I mailed all verification of the paid tax. However, as of today, XX/XX/XXXX, I have NOT received my money back from SLS. 

I have been calling since XXXX, and have been given the run around by various departments at SLS.  I believe that SLS is illegally holding my funds. Please have SLS release my money immediately.
My wallet was stolen which has resorted to my identity being stolen and someone obtaining a mobile phone in my name this is not mine. Its reporting on my credit.
XXXX separate hard hits to credit by XXXX on XXXX/XXXX/16, XXXX XXXX in XXXX on XXXX/XXXX/16 and XXXX XXXX XXXX on XXXX/XXXX/16 were not authorized by me with any signed paperwork. These loans were not authorized and nothing was closed by me. Dealership was shopping to try to get a deal done that never happened.
I have a Bank of America credit card and I had a balance of {$16000.00}. I did some refinancing and in XX/XX/2018 I paid off the {$16000.00}. Then in the next month 's statement BofA charged me {$150.00} interest. I wrote to BofA disputing that I owe them anything since I paid off the balance that was on my statement. I received a short memo dated XX/XX/2018 stating " We've received your recent inquiry regarding the account listed above and we're researching your dispute ( s ) and will respond to you within 30 calendar days. '' As of XX/XX/2018 I have not heard from BofA.

But that is besides the point. When I pay off a balance I expect that to be the end of the matter and I do not expect to be charged interest on something I've paid off!
Four fraudulent charges appeared on my Citibank credit card account between XX/XX/XXXX through XX/XX/XXXX in  amounts from {$80.00} to {$310.00}. I noticed the charges online within two or three days and contacted Citi via online chat immediately to inform them of the fraudulent charges. Citi credited the amount of three of the four fraudulent charges back to my account immediately. One fraudulent charge from XX/XX/XXXX in the amount of {$170.00} remained pending on my account. 

The statement for my account closed on XX/XX/XXXX. The {$170.00} fraudulent charge from XX/XX/XXXX was still shown as the balance due on my account. There were no other unpaid charges on this account. I contacted Citi several times via online chat over the next three weeks. The chat agents refused to provide any further information. 

On XX/XX/XXXX I mailed a certified letter informing Citi that I disputed the four fraudulent charges. Citi received the letter on XX/XX/XXXX. Citi acknowledged the disputed charge via electronic letter on XX/XX/XXXX, but did not remove or credit the charge. I did not pay the disputed amount. 

My next statement closed on XX/XX/XXXX and included a late fee of {$25.00} and interest charges on the {$170.00} outstanding balance of {$2.00}. Citi online is now showing that my payment is past due despite knowing that this fraudulent charge is disputed. 

Citi has violated 15 U.S.C. 1666 ( c ). Citi sent me a statement dated XX/XX/XXXX including finance charges on amounts in dispute following written notice from me. That statement does not include any indication that payment of the disputed amount is not required pending Citi 's compliance with section 1666, as required by section 1666 ( c ) ( 2 ). 

I have requested that Citi remove the fraudulent charge, the late fee, and all interest charges. Citi has yet to substantively respond.
XXXX XXXX XXXX is a wireless provider I opened an account with in XX/XX/XXXX which is account # XXXX Later I noticed that XXXX XXXX XXXX reported my newly esta.0blished account to the credit bureaus saying that I owed {$860.00} by adding on a balance from an old account over 6 years ago. 

XXXX XXXX XXXX XXXX can not get monies from an old account and place or transfer it to another account in question. Credence Resource Management a collection agency was their collector. Therefore, the debt was cancelled and there is " NO CONTRACT '' The debt was sold and XXXX XXXX XXXX XXXX wrote debt of {$860.00} off on their taxes years ago. I told the credit bureaus that but to this date it is still unresolved. 

That old account can not be merged into a new account of mines and then state to continue on credit bureau report until XX/XX/XXXX. When in fact that old account supposed to been removed some time ago. Especially after 7 years. 
The account being reported is a different one with different account number ( partial # XXXX ) and saying it was opened in XX/XX/XXXX ; When in fact it was not it was over 6 years ago. 

So how can XXXX XXXX XXXX just merge new account information with an old account to impact a person credit report negatively according to the law. 
this is a XXXX company as well and the 2 year rule is outdated. 

I am requesting that this negative & falsified and manipulative information be remove.
Hello The XXXX credit card was closed by them they went out of business So why did they close the account? 
Its in good standing. 
Now my credit has taken a toll for it?? 
Please let me know. 
Thank you XXXX XXXX
My credit report summary for Experian shows the time since negative as 2 Years 2 Months ( see attached ). This is wrong. I have not been late on anything since 2014 following a period of prolonged XXXX. I attempted to contact them repeatedly by multiple means. This erroneous information is hurting my credit score and there's no place to dispute it since I don't see the negative item they're apparently referring to on my credit report.
There is a XXXX authorized user account appearing on my credit report from Equifax. I have disputed this account numerous times, yet it is still appearing and causing my score to drop by a great deal because the account is a charge off. This account DOES NOT belong to me. This has been going on for over a year. XXXX XXXX reported the account as recently as XX/XX/2018.
I paid off my credit card on the XXXX of XXXX, I paid in full, and now I 'm getting a bill from the credit card company for finance chargers for the month of XXXX.
have a loan through american education services with national collegiate trust since 2006. I have asked for copy of note and history of payments several times and get results from XXXX XXXX XXXX. never get payment history. loan was for {$8000.00} and after 10 yrs. they say i still owe {$7800.00}. have tried several times to find out where and what my payments are being applied to. can not get any answers from national collegiate trust and no payment history from AES. have spoke with XXXX XXXX XXXX and have no problem with what they want me to do. need help with AES and national collegiate trust to understand what is going on. i am on XXXX now and they are harassing my sister who is the co-signer of this note.
Equifax is " updating '' information on my credit report, making it appear more negative and harder for me to obtain credit and productively live my life. I have been recently denied numerous times due to incorrect information on my credit report. I have asked repeatedly for verification of each account and to this date, I have not received any from Equifax. All I get is generic responses of " this item has been verified ''. Equifax has not shown any of the following accounts to be verified and truly owned by me : XXXX, ( XXXX ) XXXX XXXX ( sometimes listed as XXXX ), XXXX XXXX ( sometimes listed as XXXX XXXX XXXX ), XXXX/XXXX, and late payments from XXXX XXXX XXXX. These accounts have been removed and readded without my knowledge to my credit report more than a few times and I would like them deleted once and for all to never be readded.
I am sorry to trouble you with my problems. I am a very strong woman, but I have run across a scenario that I can not manage on my own. CitiMortgage/CitiBank is trying to sell my house through foreclosure, but is n't taking the time to try to help me save my home. The set of circumstances that led me to where I am today were beyond my control and no one at CitiMortgage has been willing to take the time to sort out this problem. 

In XXXX I fell into hard times ... I was diagnosed with XXXX. During this time, Citi Mortgage offered me a loan modification. I was unable to work regularly, but I managed to keep up on the mortgage during my treatments. Inevitably, I could n't continue to keep pace and missed my first mortgage payment in XXXX and started to fall further and further behind. 

This is where it really got ugly. Once I was in XXXX, I sought help but the lender told me I had exhausted all my loan mod options and that the only choice I had was to be set up on a repayment plan. I had no other choice but to accept their terms, so I agreed to the 11 month repayment plan. They set me up with an automatic payment through my bank card. They withdrew XXXX payments and then stopped -- -- Why???? This opened a can of worms. When I found out ( after XXXX missed payments ), I called CitiMortgage and was told I now had to pay " all or nothing ''!!!!! When I was given no options to solve the issue I had no choice but to focus on my situation and stop devoting energy to this. 

Once I was healthy enough to back to work on a regular basis in XXXX of XXXX, I called CitiMortgage again and was given a new representative to deal with. She asked how much I could pay. I told her I could pay {$1000.00} right then and then another {$1000.00} in XXXX. I also indicated I would pay in XXXX the rest to catch up since I 'd be getting tax return money. The XXXX payments were taken, but when I called in XXXX XXXX as planned, this rep said my file was now with the foreclosure attorney -- -she checked with that office and came back and told me there was a sale date and that I needed much more than the {$4000.00} I was going to pay to catch up!!! That 's not right!!! 

My house is now in foreclosure with a sale date at the end of this month!! I have XXXX kids, XXXX with XXXX. This is our home and I feel CitiMortgage has been dishonest and unfair with me. They are trying to steal my home and kick my family out on the streets. I 'm not asking for a handout. I have recovered from the hardships that started this mess, but I need to get some cooperation ( and decency!! ) from this lender. I would appreciate any assistance that leads to saving our home and keeping my family where it belongs. Thank you.
recently sent letter to Synchrony Bank , XXXX XXXX, requesting evidence, bearing my signature, that the account was reported accurately. further they failed to place disputed on my credit reports within 30 days as required by FCRA 623 ( a ) and FDCPA 807 ( 8 ).
XXXX afternoon. I need your help. I am having issues with Toyota Financial Services. I 've leasing vehicles since XX/XX/XXXX, with no any problems, sin I authorized the Bank to take recurrence payments, this way never I was going to be behind. The situation started sinceXX/XX/XXXX, when I went to the dealer to returned my old Rav 4, XX/XX/XXXX, with only 10,000 miles. The last monthly payment for this old account was withdrawal by Toyota Financial on XX/XX/XXXX, {$350.00}. At the end of XX/XX/XXXX I brought to the dealer my Toyota Rav 4,XX/XX/XXXX, Acct. # XXXX XXXX XXXX. I got my new vehicle Toyota Camry XX/XX/XXXX, same payments, same due date. The problem started here. Toyota Financial withdrawal onXX/XX/XXXX, {$350.00}, and instead to apply this payment to my new vehicle, Acct. # XXXX XXXX, the bank applied this payment once again to the old account for the vehicle that I returned at the end of XX/XX/XXXX. The dealer took care of the paid off, having XXXX balance. I sent via Certified Exhibits to the 3 Major Credit Agencies, since Toyota Financial sent a bad report against me, stating I was behind sinceXX/XX/XXXXup to XX/XX/XXXX. I submitted Exhibits showing receipts from Toyota Financial, statement from the bank and also Ref. # to prove that the bank is incorrect and I am correct. The 3 Major Credit Agencies contacted Toyota Financial Services, after the confirmed that I am correct and not behind, also asking the bank to apply theXX/XX/XXXX to my right account, since the bank applied that payment to my old NON existent account. This bad record was removed on my behalf. However Toyota Financial, just sent me a new bill for {$730.00}. I called 4 times, discussed this matter with 4 customer services, the names, XXXX XXXX other with ID XXXX they put me on hold never came back, every one have different statements, that I did not pay XX/XX/XXXX, I advised I 've the letter from Toyota Financial as receipt of my payment, the last one says I did not pay XX/XX/XXXX, I advised her I submitted to you guys Exhibits of each payments to my new Acct. she said we do not have nothing. Toyota Financial promised to the 3 Major Credit Agencies to update correctly the mistake, did not, because sent me a huge bill asking me to pay XX/XX/XXXX andXX/XX/XXXX $ XXXX, I paid XX/XX/XXXX already, the payment electronically has been submitted by XXXX XXXX, Toyota Financial received the payment onXX/XX/XXXX {$350.00}, XX/XX/XXXXpayment has been paid, and Toyota Financial still having it, refusing to move that payment to the right new account. I 've Exhibits, from XX/XX/XXXXup toXX/XX/XXXX, payments that Toyota Financial has taken and refused to upgrade my account.
I have told them repeatedly NOT to change my repayment plan and they did so, purposely resetting the repayment terms AGAINST my will. They have continually changed the repayment amounts and put in me into a payment plan I ca n't afford. I was told that it would be $ XXXX/month and now it 's over $ XXXX/month and I am unemployed and not receiving any unemployment assistance at all. I have been unable to find a job for six months and have not been able to make a single payment of the same amount for three months in a row without them changing the terms, repayment plan, or repayment amount.
First Credit Services located at XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX-XXXX-XXXX ) has a client by the name of XXXX XXXX located in XXXX, Tx. First Credit Services attached a debt to my credit report on XX/XX/2015 I have never in my life visited a XXXX XXXX. XXXX XXXX has my a different date of birth than I actually have. They also have an incorrect phone number and address. Both XXXX XXXX  and First Credit Services have failed to remove the {$110.00} from my credit report. I have tried to work with both  companies and it seems like there is not much more I can do one my own to fix this. I am asking the CFPB to please assist me in getting this false claim removed from my credit report.
My direct deposit has still yet to hit my account. I have heard nothing from them about what is going to happen going forward in this situation
I requested the information on my Equifax for the XXXX XXXX account be verified because there was some discrepancies regarding last payment dates, incorrect amount on last payment amount received and Equifax keeps coming back with information verified but the information is not being updated. This is the same for the XXXX account on the credit report as well. The Date of First major delinquency and Last payment date is inaccurate on this account. I have requested this on several occasions to be reinvestigated and/or deleted and they refuse to do their job. I demand to know how this information is being verified if it is indeed incorrect. The information on my XXXX and equifax credit report are reporting XXXX different thing.
I sent a certified letter to Equifax on XX/XX/XXXX requesting them to verify the accuracy of an account reporting on my credit with XXXX XXXX XXXX XXXX. 

This letter was signed for and received by Equifax on XX/XX/XXXX. 

I received a response to my dispute on XX/XX/XXXX ( letter dated XX/XX/XXXX ) that the results of the investigation are '' this item has been deleted from the credit file '' In noticing that the item was not deleted from the credit file, I contacted Equifax on XX/XX/XXXX and was told that the result letter was sent in error and that the information is reporting accurately. 

I then asked for verification of the item and was told that I would need to re-dispute. 

I have written evidence that Equifax concluded this investigation, and they are now unwilling to update the report in accordance with the documentation they have provided. 

I have attached the initial dispute letter, the certified mail receipt, and the dispute results from Equifax.
In addition to repeated and frequent calls, when I have reached out to them as well as the original debtor ( XXXX ), Trans world systems has continued to lie to me, telling me that I HAD to make payments to my account ( even though they have set up 2/3 debt collections from my Military Pay as well as taken 100 % of my tax return ). 

When I was told to file for hardship paperwork ( in order to get the 2/3 's debt payments reduced ) by the original debtor through Trans world, I contacted trans world and was told that they do not have hardship paperwork available that I would have to make payments to them only. 

I called the original debtor back and told them and was told that Trans world is lying to me and that I needed to call again to get the hardship paperwork sent to me. My contact at Trans World is XXXX.
I have been trying to close my SunTrust Bank account as they keep allowing false charges to be made to my account. When I asked for my account to be closed it had a positive balance. It took them several days to acknowledge my request to close the account and then mysteriously several out of state charges started to show up on my account. Now my account is in the negative because yet again they have allowed false charges or are trying to sabotage my account closing by adding a ridiculous number of charges and overdraft fees. If they had closed my account when I asked then they would be mailing me the positive amount left in my account now they are claiming my account is negative by $ XXXX. I believe there is something fishy going on with their accounting. I have had nothing but trouble with them allowing false charges and me continuously paying them and now all of a sudden more fishy charges are added to my account upon my request to close the account. I believe they are practicing unfair business and treatment of their customers. When I brought this to their attention, they asked if I would like to make a fraud complaint in which I said yes however was told they could not complete on their end I 'd have to call in. I called in several times over the course of several days and each time I was placed on hold for more than 30 mins and never allowed to talk to an actual person.
I paid this account completely off with a balance of XXXX in XXXX of XXXX. I set up recurring payments of XXXX XXXX dollar payments with XXXX to complete the balance in full. XXXX then closed my account in XXXX of XXXX but are reporting to the credit bureau that they closed it in XXXX of XXXX which is incorrect Since then. the company continues to charge me with late fees and rolls the balance with more fees. They send the balance to the credit bureau but have not sent me a bill or anything in the mail to support the balance they claim is owed. 
I have mailed XXXX, XXXX, and transunion to investigate this error and remove it from my account. Since the account is listed as 'closed ', XXXX does not respond and they are not updating this account correctly on my reports. 
I need assistance in getting the balance shown as XXXX and the late reporting removed or the complete account removed. 
They are not fcra compliant as they continue to report and refuse to respond to my issue.
Kimball Tirey St John are not licensed to collect this debt in Utah. On top of not providing proof of the debt they are not licensed to collect.