WillisBack/dataset-financial-user-claim huggingface dataset:
In response to the previous complaint First of all that is not accurate you are in fact reporting it as paid as proof by my documentation provided by XXXX when it should have been removed. 

Secondly, the documents have already been provided to you via certified mail that prove there is NO DEBT and will not be provided again. 

Thirdly the secondary document was provided by you, eastern account systems, and was what you sent me in an attempt of validation of debt after I disputed it with you. What you sent me and lets be perfectly clear Was a statement with a zero balance. You sent it to me so You cant really be this XXXX XXXX. 

I have ample documentation and your continuing to pursue this matter despite having all the facts and a preponderance of evidence in negligence and intent to inflict harm. Good luck arguing against the now 4 fcra violations ..

You do not have permission to contact me again regarding this matter ( 4 fcra violations now ) the information will be removed from each credit bureaus regardless of what you keep attempting because I have the facts and documents so your only wasting your own time but hey XXXX XXXX again Ill surely enjoy that XXXX per violation since its so evident you have negligently and willfully harmed me.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of   XXXX   XXXX     I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Credit/Deferred payment plan was offered as part of an online purchase from XXXX XXXX on XX/XX/XXXX. 

That credit was denied with sales agent having no information on why it was denied. 

On XX/XX/XXXX correspondence was received from : XXXX C/o XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. 

The reason for denial was listed solely as : SSN reported as deceased. 

The source of that information was Experian. 

Trying to contact them yielded nothing through their automated system other that an erroneous fraud alert, which was neither desired or requested. There is no method for contacting Experian for immediate resolution of this problem other than through the mail with no reference number or issue number given to assure resolution.
My name is XXXX XXXX XXXX. I am writing in regards to a loan ( # XXXX ) that has been placed on my credit report. I did not purchase the vehicle associated with this loan, nor did I sign/cosign for anyone else to obtain this vehicle. I would like all things concerning this loan removed from my credit ASAP and my name removed from the loan with USAA.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.
I made a settlement agreement with XXXX XXXX XXXX XXXX XXXX law firm that is managing my two charged off accounts XXXX and sent two cashier 's checks for {$2500.00} each. I was informed by a couple of XXXX XXXX XXXX representatives my checks were received. I called XXXX XXXX XXXX today to ask if they were able to expedite their process when it comes to contacting the original creditor ( Navient ) to confirm payment has been received. One of the representatives confirmed XXXX XXXX XXXX had already submitted that information to Navient as they upload information daily to this company. I contacted XXXX XXXX, consumer advocate for Navient, and he was able to submit my request to expedite the process on XXXX XXXX to report to the three credit bureaus. I was told my XXXX, XXXX XXXX XXXX has a 30 day policy. My payment has to be cleared in their office for 30 days in order for them to assure the funds are received and cleared. I asked XXXX XXXX XXXX today and one of their representatives told me this applies to clients that have judgements against them. The representative then stated I would n't have to wait the 30 days since they upload information to Navient daily and Navient is aware my funds are received and cleared. I then contacted XXXX XXXX by email letting him know of my findings. He then replied back " Dear XXXX XXXX, Unfortunately, we are unable to expedite the process any further. '' I asked " why not '' and have not received any replies yet. I am exhausted with this process! I have done everything XXXX XXXX XXXX and Navient have asked! I do n't understand why they were harassing me so much about these accounts and now that I 've settled, they do not want to deliver their part of the deal! This is not my first complaint with them!
Charge-offs stay on your credit report for up to 6-7 years from the date the account was charged off. However, I was told that it will be removed before then. It has been already over 6 years.
I disputed some accounts with Equifax in XXXX 2017. I received the investigation results dated XXXX XXXX 2017 yesterday and all of the disputed items were deleted. Some of the disputed items were no longer showing on my report as they had been previously removed.However when I checked my credit file this morning all of the disputed items that were deleted or removed were reinserted back onto my credit file.
Messerli & Kramer has received several documents from me proving I am exempt from financial judgments & wage garnishments. I am exempt because I currently receive government assistance & have for several years. I received notice dated XXXX XXXX, XXXX a notice to appear in conciliation court on XXXX XXXX, XXXX. XXXX XXXX had hired Messerli & Kramer to obtain a judgement against me. This is a violation, as I have exempt wages in which XXXX XXXX XXXX has been made aware through supporting documents I had provided them.
XXXX  has been non-compliant with removing the unverified account CREDIT ACCEPTANCE CO  Opened Date XX/XX/, 2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CREDIT ACCEPTANCE CO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
have disputed the late payments on XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
the year of XXXX? I was buying a car from XXXX XXXX XXXX. The cost was {$15.00}. The car was repro. Sold at auction for {$3000.00}. Portland Credit, INC and XXXX XXXX, is garnishing my paycheck. They have taken over {$20.00} from me. I am a father of XXXX children, this is a hardship on my family. If they have taken, over {$20.00}, they should give me a car worth the amount they taken from me. I do not have the car! They keep resubmitting the same paperwork threw the court, and they never show, how much they have taken from me.
On XX/XX/2016, someone opened up a Credit Card with Amazon/Chase. It was not me but they hacked Amazon and stole my information. I received it at my home, but they had used my old address. I contacted Chase and was informed that Amazon/Chase had had a security breach and XXXX account information was stolen from Amazon. They also stated that they are dealing with 100's of Consumer's that are having the same issue I am. I contacted Amazon who to their knowledge knows nothing about their security breach and were not very helpful. I am now a victim of Identify Theft.
There are two companies trying to collect and report on my credit file for an XXXX XXXX XXXX bill which is unknown and I do not owe XXXX XXXX XXXX. Requesting removal I have disputed and nothing received for any type of validation. Please help this is n't right
I was called by Quicken loans and offered a deal on a refi i told them i would only think about it they could offer me a good deal on a fifteen yr with a lower rate they made me a offer. 
we took the next step in the process which told i had to give a {$500.00} deposit to proceed and told it was refundable, when i got good faith estimate my wife and looked it over and we decided to withdraw from loan XXXX/XXXX/2015 i tried to contact the adviser and was able to get in touch him i had to call someone else they said they would withdraw the loan and everything will be all set, i followed up yesterday cause i had not got my refund yet and the person i spoke to looked in to it and said the loan had n't been withdrawn yet, i spoke with a supervisor they said they would look into it he called me back and said i would be able to get all of my refund because they had uncured charges during the process i called to withdraw 2 days before the appraisal so i should be able to get my money back, i was being charged ridiculous amounts and fees in closing costs, Another company was able to offer me a better deal without all those fees and costs, they take good faith deposits and find a way to keep it if you withdraw.
I have had over {$1000.00} In overdraft fees and extended overdraft fees since XX/XX/2018. PNC says they can't refund any of the fees because they have already refunded some in the past. My account is currently over {$800.00} negative because they allow these fees to continue and allow my account to get more and more negative.
I WAS GOING THRU SOME OF MY OLD STATEMENTS AND FOUND A CHARGE I DID NOT APROVE. SO ON XXXX I CALLED XXXX XXXX  AT XXXX FOR CARD NUMBER ENDING IN XXXX I SPOKE WITH XXXX AND EXPLAINED THAT I FOUND A CHARGE ON MY CREDIT CARD FROM XXXX MERCHANT NAME WAS XXXX XXXX XXXX FOR {$2100.00}. AFTER EXPLAINING THAT I DID NOT GIVE THIS COMPANY MY INFORMATION AND DID NOT DO BUISNESS WITH THEM SHE PUT IN A FRAUD COMPLAINT AND THAT CASE NUMBER IS XXXX. AFTER A FEW WEEKS I GOT A LETTER FROM XXXX  STATING THAT THEY CANT HELP ME CAUSE IT EXCEEDS THE DATE IN MY TERMS AND CONDITIONS! IM SORRY BUT IM SUPPOSED TO BE PROTECTED FROM FRAUD AND HAVE FRAUD INSURANCE THIS IS NOT RIGHT!
XX/XX/XXXX I have be unemployed for longer that 24 months I can not get a good job to start my life over. do to unfavorable credit history.I i would like all negitivative and incorrect data to be deleted.I have enlisted a companies help to remove all these charge off and inquies account.They have been unsuccessful. 
charge off XX/XX/XXXX XXXXXXXX  XXXX XXXX, {$6000.00} reported as chageoff, not removing incorrect information. 

XX/XX/XXXX XXXX  XXXX, {$5900.00}, reported as chageoff, not removing incorrect information. 

XX/XX/XXXX XXXX XXXX XXXX, {$3800.00}, reported as chageoff, not removing incorrect information. 

XX/XX/XXXX, XXXX XXXX XXXX, {$2300.00}, reported as chageoff, not removing incorrect information. 

XX/XX/XXXX, XXXX XXXX XXXX, {$8500.00}, reported as chageoff, not removing incorrect information. 


XX/XX/XXXX, XXXX XXXX XXXX XXXX, {$9500.00}, reported as chageoff, not removing incorrect information.
I have a Walmart Mastercard. My payment date is the XXXX of the month. XXXX I paid on the XXXX online before XXXX. Walmart immediately recorded the transaction in pending activity for the XXXX making my payment late even though the XXXX was confirmed on my payment page. I noted and corrected it in pending activity. It took me two times to stop the default. 
XXXX I paid my balance in full on XXXX/XXXX/17 specifically using the XXXX/XXXX/17 date. The payment did not post in my checking account on XXXX/XXXX/17 so I checked my Walmart MasterCard Account because of the last month 's issue. This payment had automatically defaulted to XXXX/XXXX/17 in pending activity even though the XXXX/XXXX/17 date was confirmed by the site. I had to again go to pending activity and physically change the date now back to XXXX/XXXX/17 a day later than my original payment. 
Walmart is ripping consumers off through interest fraud. Payment dates are confirmed on the payment page. However on the payment pending page the payment defaults to the consumer 's due date. Payments made on the due date are applied a day later in pending activity so a late fee can be applied. Walmart is intentionally changing payment dates to benefit themselves. Buyer Beware! Take Notice!
I have an account that was placed with Midland Credit Management for an XXXX credit card. On XX/XX/2017, I set up an arrangement with Midland to pay off the debt via an automatic charge of {$9.00} per month for 120 months. I have the letter here stating that they agree to these terms and conditions. 

I receive on average 4-6 calls every day concerning this debt from Midland Credit Management. It has surpassed the point of harassment. 

Today, I decided to call back and ask, " What do you want!? ". I was informed by my " Account Manager '' that my account was in the pre-legal status and that he would not guarantee that my account would " stay in his department '', which one would only assume, based on the stated status of my account, that it would be transferred to their legal team or a lawyer. I asked him if he was stating that they were no longer willing to accept my written agreement, and he stated he would not confirm nor deny, but that my account was in the Pre-Legal status and the only way that I would be guaranteed that it would not be sent to another department is if I made minimum {$100.00} per month payments. 

I consider this a threat to pursue legal action on an account that I am actively paying on, and am also harassed by them on a daily basis. 

PLEASE HELP!
I voluntary surrendered my car to the finance company XXXX XXXX in XX/XX/XXXX. XXXX XXXX has since sold the car and has charged off the remaining balance. In XX/XX/XXXX XXXX XXXX sold my account to the third party. XXXX XXXX is still reporting this account on my credit reports. I have made numerous attempt to have XXXX XXXX stop reporting this on my credit report since they no longer are the owners of my account but they have refused to do so. 

My account number with XXXX XXXX is XXXX. Telephone number for XXXX   XXXX is XXXX
I am trying to payoff my loan. I have made two attempts. Both attempts they are rejecting my payoff. This is causing hardship on purchasing my next home.
These cards are still the latest crusade for financial institutions to steal as much as they can from consumers ... They do it in the name of fees but the reality is they are taking money that does n't belong to them and without our express consent and with terms and conditions in the smallest print possible ... They offer companies these cards at a discount knowing a great number wo n't be used and they can keep the money ... I would like the cards 'refreshed ' and if really care to add a little convenience, perhaps put the balances on XXXX card. The account numbers are : XXXX {$70.00}, not worth {$52.00}. XXXX {$50.00}, now worth {$40.00}. XXXX {$80.00}, now XXXX, XXXX {$40.00}, now {$8.00}, XXXX, {$20.00}, now XXXX.
This is a debt happened 20 years ago.It 's a ( Zombie Debt, Credit Systems re-aging the debt saying it was opened in XX/XX/2012 ) it was opened 20 years. It been with multiple collections Agencies.

This is a ( Stature Barred debt as well ) It exceed the State Of Texas debt collections laws which is 4 years limitation.

Their violating the ( FCRA ) Laws.I contact the original creditor doesn't have a account on file.
THIS COMPANY ILLEGALLY TOOK WAGE GARNISHMENTS FROM ME. I WAS GIVEN A CREDIT CARD WORTH 10,000DOLLARS AND I ONLY USED 2000DOLLARS. HOWEVER THIS COLLECTION AGENCY SUED ME FOR THE VALUE OF THE CARD AND A ADDITIONAL XXXXDOLLARS A TOTAL OF XXXXDOLLARS. I NEED YOUR HELP BECAUSE THEY LIED ABOUT THE DEBT. I NEVER USED THAT MUCH MONEY AND WHEN I TRIED TO TELL THEM THAT THEY DID NOT CARE I AM MAILING YOU ALL OF THE PROOF AND ALL OF THE LETTERS I WROTE TO FIND HELP NOBODY HELPED ME AND I AM POOR. I COULD BARLEY FEED MY FAMILY AND THEY HAVE RUINED MY CREDIT AND HAVE CAUSE ME SUCH GREAT XXXX OVER THE YEARS. I AM TIRED OF THESE PEOPLE STEALING MY LITTLE BIT OF MONEY PLEASE HELP THANK YOU SO MUCH
my account was used to online and i dispute the claim and the bank is denied my claim when i file the police report still dont want to help me to get my money back to my account the amount XXXX iam a victim of identity theif i did not made this charge im requesting the charge need to put back to my account that any finance and other charges relates to the fraudulent amount be cretdited as well and that i receive an accurrate statement
Frontline Asset Strategies has contacted me multiple times, including XX/XX/XXXX and XX/XX/XXXX, regarding an alleged debt. I have requested three times in writing that Frontline provide the account number name and address of the creditor and verification that they repre4sent the alleged creditor and are authorized to communicate with me.

Frontline has refused to provide the requested information. In addition, the company 's website is fake.
There are   XXXX   accounts that are reporting 120 days late from  XXXX ,   XXXX   XXXX   XXXX   XXXX   account and   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX     XXXX    account. I have been attempting to contact these lenders to correct these errors that have caused my credit score to plummet and I am unable to obtain a mortgage. Also all of the above accounts are apart of a loan consolidation so how are they reporting late and the consolidation loan is in good standing. I contacted the FTC last year and they corrected this error so why is   XXXX   reporting this way again this year.
I am  XXXX  and have major financial obligations, in addition to struggling with student loan repayments, I spoke to Navient  XXXX /2017 and was told that my payments will be increased in  XXXX  to over {$700.00} I ca n't afford an increase -- I can barely pay the payment now. In the past I 've been given forbearance and what I wish I 'd been offered in a repayment plan based on my income.
My complaint is with XXXX XXXX Credit Card. This is in reference to a balance on my credit card of late fees that are assessed on a late fee balance. In XX/XX/XXXX I made a purchase. This purchase appeared on a XX/XX/XXXX statement with a due date of XX/XX/XXXX. I paid in full on XX/XX/XXXX ; however, this was late and a late charge was assessed. The late charge was paid late and incurred another late charge. I contacted them on XX/XX/XXXX ( copy attached ) regarding this and to no prevail. I requested closure on the account and paid a late charge of {$32.00}. A late charge balance remained of which has incurred another late charge. I have contacted them via phone in XX/XX/XXXX and have not been able to resolve this. 
I confirmed my account status was closed and the balance on the account was a late fee. 
The Customer Care Representative indicated there was nothing he could do and failed to notify that continued late fees will be assessed ongoing. I have not been able to resolve this with the company. I feel that this falls under the Credit Card Act and double jeopardy for charging multiple late fees on a late fee balance. I am asking for assistance with this matter. I am concerned that how can a company continue to assess multiple late fees on their own charges to this account. 
I have attached documents : A. Copy of credit card aggreement relating to fees. This area is not explicit and makes no reference to the ability to assess late fee on their own charges to the account. 
B. Copies of internet interactions with the company C. Copies of statements from XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX
BBVA COMPASS Bank keeps charging excessive fees. They count Saturdays and Sundays as a regular banking day even when they are not open. I have had several fees regarding scheduled payments on sundays and I go in and deposit on Monday and they charge a hefty NSF fee. You need to look into that for my sake and the rest of the consumers.
XXXX mastercard account in New York, opened XXXX XXXX. I did not open the account. Received the card in the mail on XXXX. Checked credit report with Trans Union and saw it was an open account. Called the issuing bank on XXXX and {$1400.00} had been charged to the account. Placed a Security Freeze with all XXXX credit reporting companies.
They denied me for the student loan forginess because navient they said I graduate but I did not school close on XX/XX/XXXXXXXX and graduation was on XX/XX/XXXX
Please investigate the practices of Experian. They have manipulated my credit report and score. They are unresponsive and vague. My score has recently dropped XXXX points yet no one is able to give me a consistent answer as to what has happened. I have filed several disputes and they remain unresolved in addition I have cancelled my monitoring service. 2 days before the cancellation I was notified my score dropped XXXX points. I pay my credit card balances in full every month and I do not have any late payments that are undisputed. In addition, they are allowing a creditor to continue to " update '' information that is 15 years old. I have made XXXX calls and spoke with a manager " XXXX '' who all provided me with inconsistent and unverified information. I am exhausted with the run around, the responses I receive from Experian are. '' We do n't know '', " Probably '', " Contact the lender '', " It will take 30 days for a response '' I am in need of assistance from a governing agency above and beyond Experian and again I want a complete review into the very suspicious dramatic decline of my credit score upon cancellation of my subscription service. That is key information and I am willing to contact local media to investigate this company. In addition, it is my concern that this action is discriminatory. PLEASE contact me ASAP, I have been caught in this cycle for over a year and I have pending important matters that I need to take care of that involve my credit. Time is of the essence, I need to bring attention to and STOP this FRAUDULENT behavior.
I have XXXX different charges on my chase credit card account that have been under dispute for over two billing cycles. These XXXX charges were both fraudulently unauthorized by the same organization, at separate times. I contacted chase bank several times via their message system, explaining the situation each time. I also talked to their representatives in their fraud department along with a supervisor and was told that I was liable for the charges because I had no proof of them being fraudulent, despite the fact that they were unable to get in touch with the retailer to get any evidence from them. This is Ludicrous and unprofessional. They have not charged me interest on the charges, but the charges are still there, which effects my over all credit rating for as long as they are on there.