WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion has re-inserted XXXX twice on report.also fraudulent inquiries ( XXXX, XXXX, XXXX, XXXX
I received my credit report from Equifax and the items that was suppose to have been deleted, reappeared back on my credit report. I have sent out dispute letters to have the items and inquiries removed again, but they did not remove the items.
Opened credit card with Chase Business Ink credit card back XX/XX/XXXX. I made a {$3000.00} down payment for a concrete garage floor. Prior to my pay off and cancellation, i inquired about the dispute process since i was having a fallout with the contractor. The credit card company told me i had 560 days for a max extension to dispute from the date of transaction which would extend me to XX/XX/XXXX. The contractor had not installed the garage floor till XX/XX/XXXX due to his backlog. When garage floor was installed the credit card was already cancelled since i had paid the balance off. I anticipated issues due to history of contractors and ended up being correct. There was faulty workmanship discovered. I contacted Chase Ink to dispute and they " purged '' my account just a few months later after it was closed. Sent a fax to the correspondence team ( only fax provided ) with no response yet my fax went via ( proof of sent/received time stamp ) .The customer service dept states once the account is purged there is nothing they can do about it. I have the right as a consumer to dispute and this purge now violates my rights for consumer protection. I have also sent a request to the Chase XXXX office. I told them they have the legal obligation to hold records for a certain period of time. I can understand if something was purged after a few years but a few months later? 
Downpayment of $ XXXX in XX/XX/XXXX but final payment to contractor since work finished was XX/XX/XXXX. I filed a complaint with Chase Ink to unpurge my account XX/XX/XXXX to dispute the $ XXXX.
On XX/XX/XXXX I contacted Transworld Systems Inc. in reference to my student loan ( currently in default ) because I wasnt able to make my monthly payment due to being out of work on extended medical leave. My next payment was set for XX/XX/XXXX. I received a phone called from XXXX XXXX from Transworld Systems Inc. stating that my payment was due. After explaining to her that I had just gone back to work, was unable to make my payment and requesting an extension on my payment XXXX XXXX informed me that my settlement would be null and void. I asked her why the current settlement would be void if I was unable to make the payment? I then asked her if she could provide me with a copy of the agreement stating that if I missed a certain amount of payments the settlement would be voided. She said she could only provide documentation stating my monthly payment which is not what Im requesting. Im requesting something in writing from Transworld Systems inc stating the terms of the settlement agreement as well as the remaining amount that I owe and the number of payments Ive made thus far. If Transworld Systems inc is unable to provide me with any documentation how do I not know that the loan hasnt already been paid off as Ive been making payments in the amount of {$230.00} for over a year now. 
Furthermore, XXXX XXXX stated to me on the phone on XX/XX/XXXX that she personally allowed me to miss my last two payment as a favor. Now shes saying my settlement is void because I requested an arrangement due to my inability to make payments due to no income. 
After requesting the documentation XXXX XXXX placed me on hold then said she would call me back. 
I would also like to know why Transworld Systems inc has not been reporting my payments to the credit bureau.
I got a notice on my XXXX XXXX file of a decrease in my credit score today on XX/XX/XXXX. I logged in and see that there is a company called Midwest Recovery Systems that has placed 2 medical collection accounts on my credit report with dates of service and date of first delinquency in XXXX. I have never received any information about either of these debts. I do not recognize them and do not believe they are mine. They are listed as {$460.00} and {$710.00} dollars on my XXXX and XXXX reports from a hospital. Under type of debt it is blank. These debts are not mine, and I have never received any information pertaining to these debts and have not been given the opportunity to dispute them. 
Thank you. 

The creditor information listed is : MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
I noticed on XX/XX/2018 from Equifax credit report, two credit card accounts issued by XXXX XXXX XXXX, which I did not open nor authorize. One of them has a balance of {$9900.00} but Equifax credit report does not show the account number that I can track. I notified on XX/XX/XXXX to XXXX XXXX XXXX   Fraud Dept. that I am a victim of identity theft and asked for investigation. XXXX XXXX XXXX could not locate these two accounts using my correct full name, social security number, birth date, nor the address. XXXX XXXX XXXX told me I need to rely on Equifax for providing full details of fraud accounts to XXXX XXXX XXXX to resolve the issue. I have so far disputed this fraud accounts to Equifax, initiated the fraud alert, filed police report, filed FTC Identity Theft Report.
I am having a very hard time with the following XXXX XXXX ACCOUNT XXXX, reporting incorrectly on my credit report. This erroneous line item is causing a DRASTIC reduction in my score unfairly. 

I have called XXXX XXXX numerous times, and they keep telling me that they do agree I paid the account in Full by XX/XX/2017. Then they say that same day it went to Charge Off Status. Why would it go to charge off, after I paid the  balance to XXXX? this is causing it to incorrectly report as a paid charge off, depsite them admitting I paid the bill entirely, on time. Then they say they will open an internal dispute, and nothing ever happens. I want this line item to read, never late, paid as agreed. This should not be a charge off in any way. I try to dispute it with the credit bureaus, However they are failing to take action on the line item and either remove it, or edit it to show paid as agreed. In summary I was NEVER LATE on this account, and I paid it in full. If XXXX XXXX wants to close the account at their discretion - FINE, but that does not have ANYTHING to do with false reporting. 

Please see the following facts 1 ) XXXX XXXX XXXX continues to say {$340.00} was charged off. However that is false. I included my bank statements to show when payments were debited from my account. They will now admit by phone I DID pay the balance in full at XXXX PM on XX/XX/XXXX. At this time when I called to make the payment, NOTHING was mentioned about a chargeoff or account closure. 

2 ) XXXX XXXX XXXX WAS NEVER CHARGED OFF, it was paid in full on XX/XX/XXXX. How can you charge off {$0.00}? Please, I kindly ask you to review the payment information below. Its reporting wrong and causing me denial in credit unfairly.. 

3 ) They even report FP = Failure to Pay. How can this OBVIOUS mistake continue to report. There is an FP reporting for XXXX and XXXX, but CLEARLY, you can see a payment was made in both of those months. Attached below is my bank statement showing the payments. Furthermore how can it be an FP, if the balance is {$0.00}?! There was a balance in XXXX, if I failed to pay, then HOW DID THE BALANCE GET TO {$0.00} XXXX XXXX Account # XXXX was never charged off. It was paid satisfactorily with {$0.00} balance, BEFORE chargeoff I kindly ask if you can please change the status to correct it, and show as CLOSED/PAID SATISFATORILY or PAID AS AGREED, CLOSED or PAID/CLOSED ( or something like that? ). The chargeoff is ERRONEOUS, and hurting my score unfairly. 

I appreciate your help.
I 've been monitoring my credit report and I noticed that things that supposed to be removed or not removed they 're just replaced back on the credit report even though it has been removed remove means taking off just 3 weeks ago things were supposed to be removed off my account and I still see them then I need an accurate credit report I 'm trying to reestablish credit and I need everybody to report accurately so that I can get this cleared up and move on with my life my credit is important to me and I feel like everybody should report and identify XXXX things just not related to me and remove them
Account was closed by bank they wo n't release funds for at least 60 days. I understand they do n't have to business with me\ can close account but want my funds returned.
I don't recognize this debt. I had received multiple phone calls and letters last year from Benjamin Chaise & Associates regarding this file. I sent recommended CFPB letter to this debt collector in XXXX XXXX, California on XX/XX/XXXX asking for more information via certified USPS mail which was received XX/XX/XXXX at XXXX. Specifically requested NO more phone calls only contact via certified mail. No contact since then. Just received a call and voicemail now from a number with NO CALLER ID the person identifying themselves as XXXX XXXX from Benjamin Chaise and Associates. I have recorded it and attached below. Not very happy about this I am seriously considering retaining a lawyer for legal counsel and suing them for harassment.
This would be the second complaint I have against Chase in a one month period. There have been a total of 3 for the year and we are only in XXXX. 
I was considering signing my children up for an after-school program so I started filling out paperwork. There was miscommunication and they withdrew the registration fee ( XXXX ). I realized they took it and immediately called Chase. I had other things that would be coming out of the account and knew this would cause the account to go into the negative resulting in overdraft fees. The agent I spoke to advised me to call the merchant and have them refund the money. She also told me that once the fees were charged to the account to call and they would be able to reverse them. I told her they have told me I 'm no longer eligible for the courtesy fee reversals and she advised me that this was a different situation. That because of a merchant taking funds without authorization, it was not my fault the account would be negative. I asked her to write a note in the account since in the past I have been told one thing but then told that other person was wrong. That is the main problem I have been having with this bank in the past year. The agent assured me she was notate the account and there would not be an issue. 

Well ... there is an issue now. Chase refuses to refund the XXXX overdraft fees that I was charge because of this situation. They also told me nothing was notated in the account. So Chase gets away with charging me another XXXX over miscommunication with a merchant. The merchant took the funds on XXXX XXXX and refunded them on XXXX XXXX.
I am being charged about {$12.00} per month because my bank account balance is quite low. That wealthier customers do n't have to pay this fee is a clear example of price discrimination. Such discrimination has no other purpose than to extort money from those who do n't have the ability to fight it.
I do not have any debt from XXXX XXXX XXXX company and am not even a customer, but somehow some debt collect companies kept attempts to collect debt and report to XXXX credit bureau.
Tried unsuccessfully to give a creditor temporary access to an Experian credit record on which a freeze had been place. 

- The " PIN '' printed in the letter sent to me by Experian when I put a freeze on my credit is NOT the PIN but rather it is the exact same number as the report number, only with XXXX leading XXXX added. 
- The " PIN '' listed in that letter is XXXX digits long, while their on-line system will only accept XXXX digits. 
- The telephone system seemed to take the XXXX digit " PIN '' and indicated that the freeze wold be lifted for the time period I specified, except I was never asked for a time period and never specified one. 
- There is apparently no way to contact any person to help clear this up. 
- The email address Experian provides to contact customer support ( XXXXXXXXXXXX ) is rejected ( failed delivery ) How is someone supposed to deal with a company that is so monumentally screwed up? How do I transact any business with Experian?
customer service would not help and take care of the negative inquiries i dont recognize reporting to my credit report. 


XXXX inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX DE XXXX XXXX XXXX inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX
hello, I have sent several letters to the creditors and the bureaus about unauthorized inquires that shows to be on all 3 of my credit report. On XX/XX/2018 and XX/XX/XXXX I sent certified letters to all three credit bureaus and all creditors that showed on my report to show me proof that I authorized these inquires and no one send proof. I am Requesting that they show proof that I authorized theses inquires or have them deleted.
I sent a request to this company to find out what this debt was for. I received a response stating it was for a gym membership that I never signed up for. There  are 2 seperate contracts with 2 different dates and two different  amounts. The license number listed is not mines. I asked this company to provide me with a copy of the identification that was used. I am more than 99 % sure whenever you sign up for any kind of membership a copy of your photo identification is kept on file as well. Also it states that a credit card payment was used I just recently got my  XXXX  credit card not to long ago. I contacted them and ask if they could mail me a copy of the ach authorization form they claimed they had on file but was told I had to contact the collection agecny.
XXXX/XXXX/XXXX I moved out of XXXX XXXX in XXXX XXXX, FL. After moving out XXXX XXXX requested fees they were not entitled to. I filed a written dispute by hand delivery, mail and email within 15 days required by statute. I included a phone number, email and address to contact me. XXXX XXXX failed to respond, rather sending the claim to collections. I found out today XXXX/XXXX/XXXX that Hunter Warfield placed a collections claim on me XXXX/XXXX/XXXX. Hunter Warfield never provided me written notice or an opportunity to dispute the claim. Both XXXX XXXX and Hunter Warfield have failed to comply with their legal requirements, have failed to respond to my dispute of their amount and have simply gone the route of trying to ruin my otherwise perfect credit. I can provide a written copy of the notice I sent to XXXX XXXX XXXX/XXXX/XXXX and if set for hearing I could provide additional witnesses and sworn affidavits proving XXXX XXXX fraudulent, bad faith claims against me. I attempted to call Hunter Warfield today, however they refused to talk to me. They ask if I was ready to pay them, I said no, I do n't owe the money I want to dispute the charge, then they hang up on me.
I have  a PayPal extra Mastercard credit car d. I 've had this account for close to 10 years and have always paid the full balance amount due on time - not the minimum payment but the entire full amount of each monthly bill. Last mon th (   XXXX   2017 ), I in advertently paid the total amount short by {$200.00}  ( out of approx. {$2300.00} ). W hen I received my statement for this month, there was an interest charge of {$24.00}. When I reviewed my payment and noticed that I had paid the total previous amount short by {$200.00}, I checked the interest calculation and came up with {$3.00} in interest for the unpaid {$200.00} ( vs. the {$24.00} on my statement ). I called the toll free number on the back of the card and asked them to explain the difference. They stated that I was being charged on the " average balance '' of all my charges since my last billing statement. When I asked why that was the case, when I only had a {$200.00} amount due from the previous month, they could not explain this in ANY sensible manner. I asked them to explicitly read the card agreement language that covered this calculation - which a supervisor attempted to do without ANY clarifying effect. I believe this interest rate calculation practice is either fraudulent, abusive or incredibly deceptive. I would ask someone to look into this and, at the very least, inform the general public on what it could mean to them.   I have a finance degree and have worked in the financial services industry for over 20 years - and this interest rate calculation was difficult for me to understand. If I can be " suckered '' out of {$21.00}, I CAN NOT imagine how many people in the general population are being abused by this credit card company. I have now closed my account w ith PayPal Extra Mastercard but  PLEASE DO SOMETHING TO INFORM OTHER PEOPLE ABOUT THIS and help them make better, more informed choices.
To whom this may concern : On XX/XX/XXXX, I received a paper letter from " XXXX XXXX, XXXX '', a collection agency, in regards to a debt of {$2200.00} owed to PayPal. I have a current account with PayPal that has no apparent association to this debt. In this letter it is indicated that the debt is too old to sue for but could be " renewed. '' Immediately I contacted PayPal on this matter, was transferred to a representative I was told was in a department who handled fraud, and I e-mailed a copy of this letter to XXXX. I was told a fraud investigation would be undertaken and I could contact PayPal at my leisure in regards to this matter. 

About 5 years ago my identity was stolen and used to open utility accounts and other accounts without my knowledge, so when I finished speaking to PayPal I also filed a complaint with the Better Business Bureau and the Consumer Financial Protection Bureau ( CFPB ) to take all steps to enure my identity is protected and this matter is investigated to the fullest extent of the law. Today, XX/XX/XXXX, I received a follow up from CFPB with a response from XXXX XXXX , XXXX., who indicated that they had investigated this supposed debt, found there to be evidence of potential fraud, and returned the debt the PayPal Inc. With this new information, I contacted PayPal customer service who could not find any evidence of a fraud investigation being undertaken by PayPal in regards to this matter and referred me to the Collections Department, who mysteriously were unavailable and my call was dropped. 

I have no knowledge or record whatsoever of the debt to PayPal , Inc., nor can I understand how after spending so much time on the phone with PayPal on XX/XX/XXXX that no record exists of my fraud complaint. As of the the composition of this notice, I have spent more than 6 hours on and off the phone with PayPal Customer Service in regards to this false debt with PayPal having yet to take action as a result of those phone calls, and at about XXXX on XX/XX/XXXX I have e-mailed PayPal 's resolution center in another attempt to get a serious response to address this issue and have to now only received an automated message indicating the message was received and will be reviewed. 

I can not accept or allow XXXX to attempt to collect a false debt of {$2200.00} with the potential of having effect on my credit which I have spent the past 7 years rebuilding after I was a victim of identity theft between XX/XX/XXXX and XX/XX/XXXX. I wish to resolve this matter and am prepared to take whatever steps are necessary to ensure this matter is resolved, thank you for your assistance. 

Respectfully Submitted, XXXX XXXX
O n   XXXX   XXXX   XXXX   I receiv ed a call on my cell number from collection. Demanding a payment over the phone of {$1000.00} otherwise they will report to credit bureau. After the initial shock I asked for more information. I was informed that they partner with  XXXX  and since I did n't make a payment of {$1000.00} on time to  XXXX  they sent my claim to collection.   To begin I never received any bill or invoice in the mail, never received a phone call from  XXXX . I was also informed that the claim was for insurance deductible. But my insurance  XXXX  which I still have never claim that payment either.   Immediately after, I called  XXXX . I was transfer many times and nobody could explained to me why and who transfer the claim to collection. They all said the same to call collection because my information was no longer available to them. I asked to speak with a supervisor and I received the same answer. I called back collection but they said the answer to my question was with  XXXX . The played me really bad, and then the threats to my credit began. Same date I submit a claim to BBB complaint ID #  XXXX . O n  XX/XX/XXXX  I r eceived a letter indicating that  XXXX  had not responded to their letters they sent on my behalf.  XXXX   XXXX   XXXX  I found that  XXXX  had file a negative report on my credit.
Equifax Credit Report # XXXX has spelling of name as XXXX XXXX. This is incorrect. Spelling of name on Birth Certificate, Social Security Identification card, Drivers License is correctly spelled as XXXX XXXX XXXX XXXX. Use of XXXX XXXX is fraudulent representation of identity and needs to be corrected.
I chose to have the entire balance of my Chase credit card automatically withdrawn from my XXXX XXXX XXXX checking bank account. This has worked well for me for several years until XXXX XXXX, when Chase 's computer apparently had a glitch and the amount that Chase withdraws from my XXXX XXXX XXXX account was {$2600.00} less than the full balance of my Chase account. Chase proceeded to charge me interest of {$72.00} from XXXX to XXXX on the {$2600.00} balance. 

First, Chase 's website is grossly misleading. Chase 's website ( see exhibit 1 ) gives you the ability to automatically pay XXXX amounts : 1 ) a minimum payment amount or 2 ) a " Blueprint '' amount. When you click on to find out what this " Blueprint '' amount is, it says " Full Pay '' as the first option ( see exhibit 2 ). To me, a college educated person, " Full Pay '' meant ( for several years at least ) that I would be paying in full my credit card every month. Little did I know that " Full Pay '' does not mean this, and instead it means that only that certain purchase categories are paid in full, see Exhibit 3 ( e.g., Utilities, Department and Clothing stores, etc ). So, I feel Chase is actively trying to fool its customers by making it seems as if Chase offers its customers the ability to pay their credit card in full every month, when in fact it does not, the typical bait-and-switch. 

Second, even allowing for Chase 's bait-and-switch " BLUEPRINT '' payment scheme, I believe that Chase should acknowledge that they made a mistake and return to me any interest charged on the {$2600.00}. As explained above, the " BLUEPRINT '' payment scheme specifies that only certain purchase categories will be paid in full. I purchased {$2600.00} worth of supplies at a department store on XXXX and XXXX ( see XXXX statement ). The purchases should have fallen under the " BLUEPRINT '' purchase category, specifically under " department stores '' category. Therefore, the balance on my credit card should have been paid in full in XXXX, Chase should have been withdrawn the full balance from my XXXX XXXX XXXX checking account, and no interest should have accrued. Chase literally can neither deny nor verify that my purchases from XXXX and XXXX were from a department store. Therefore, I can not understand Chase 's position that the purchases were not from a department store. It would seem that without evidence, Chase would need to give the customer the benefit of the doubt. 

I caught the mistake today XXXX/XXXX/2015, I paid the account in full today. When I called Chased, I talked to XXXX and then to Supervisor XXXX. They said that there was nothing Chase could do and would not acknowledge that Chase 's computer had a glitch.