WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX, SHOWS ACCOUNT IN COLLECTIONS AS OF XX/XX/XXXX FOR {$140.00} AND ANOTHER FOR {$32.00} DATING BACK TO XX/XX/XXXX. BOTH ACCOUNTS WERE PAID AND I RECEIVED A LETTER FROM THIS OFFICE STATING SOMEONE HAD HACKED INTO THIS DOCTOR 'S PATIENT MEDICAL RECORDS. I REQUESTED THE XXXX REPORT FOR FREE DUE TO THIS WARNING, AND IT SHOWS, BOTH THOSE AMOUNTS ARE STILL OUTSTANDING. PLEASE HAVE XXXX OFFICE REMOVE THESE XXXX CHARGES!
I rented a vacation apartment online, and upon seeing that the price was more than double the advertised rate, I first attempted to get a refund for the rental through the landlord, but they refused. I called the bank to see if I could cancel the charge to my debit card. I explained to the agent at my bank about what had happened, and asked what my options were. The agent assured me that we could contest the charge and would win. I mentioned that I was hesitant about it, because I would hate to rent a separate property, only to end up having to pay for both down the road. The agent assured me it would n't come to that, and that I should proceed in renting a new place to stay. Sure enough, after the vacation had come and gone ( and we had rented a separate hotel room ), the bank concluded that I had LOST my contest, and would still have to pay the {$730.00}. I called the bank back to explain the situation. I asked them to pull the audio recordings of the call so they could hear the agent assure me I would get my refund. They said they would re-open an investigation and pull the tapes. One week later I received a letter saying they were upholding their decision, and that I would still have to pay the {$730.00}.
On XX/XX/2018 I reached out to XXXX XXXX XXXX regarding making a settlement for an account that was displayed on my credit report. They informed me to contact XXXX XXXX and advised me they had sold the account. I reached out to XXXX XXXX who advised me that they will accept {$450.00} as full payment and the negative remark would be removed from my credit report once they received payment and notified XXXX XXXX. I have disputed the balance listed on my credit report multiple times and its still showing I have a balance due for XXXX XXXX   although I have a letter from both XXXX XXXX and XXXX XXXX stating the account is paid in full less than amount owed. When I agreed to settle I was informed the item would be removed not listed as settled for less than amount and its still showing I owe XXXX XXXX a balance which is incorrect as well.
I went bankrupt XXXX years ago. mostly credit cards debt one of which was Capitol One. after a year, I was getting offers from other credit some for {$300.00}, others were for {$1000.00} and one was {$2000.00}. what surprise me was an offer for {$10000.00} from Capitol One. I was going to sell my home but the deal fell through. My home is now in foreclosure. I foolishly borrowed {$8000.00} from Capitol One before forclosure. WHY DID THEY OFFER ME {$10000.00} CREDIT IN THE FIRST. DO I HAVE ANY RECOURSE???? THANKS FOR READING THIS
In XX/XX/2016 I applied for a new auto loan on a used car, having gone through divorce and financial issues my credit was not all that great. I went to XXXX XXXX in XX/XX/2016 and got a car, I signed the loan paper work and was expecting a high interest rate but not nearly as horrible as what they gave me. Ny state usury laws set max interest at 16 % but the car loan has exceeded that and is currently at 21 % interest which violates NY law and invalidates my loan. There are many other customers who are like me who are being charged over 20 % interest on car loans and ontop of the bad loans they are dealing out they are very rude and hostile when you are 1 day late on a loan, an when your late on your loan they call a reference from your loan paper work and disclose your status of being late on your loan. And for making payments they are not applying the full amount of your payment to your loan so when you think you are paying it off like normal they are shaving {$100.00} or more off your payment amount on your loan balance.
Last year, I applied for the citi at & t access more card credit on the citibank 's website and got approved. On either their website or the card agreement I received, it is clearly stated that I will earn a annual bonus of XXXX thank you points if I spend XXXX dollars in the previous year. On XXXX XXXX, I called to check in how I am progressing in getting the benefit and when my next reward period starts, the representative told me, she told me she saw this as a one year promotion ending in XXXX and said that this is just a one year thing and would not happen again in the next year. 
I asked to speak to a supervisor to check in what has happened because the representative said that she could not tell me more, while being totally shocked about this. I stayed on the line with her for about one and half hour to get transferred but she told me that the supervisors became to be unavailable from available because they were taking calls from the new costco cards customers. Afterwards, I contacted the customer service through online chat, and I got the same answer ( conversation enclosed ). I was so disappointed that they made such a discrimination here and about the way they lied in their marketing materials. I am considering this to be a fraud. I spent two and a half hour on this but am still not clear what is happening. 
If it does not get resolved soon, I will probably take legal action.
XXXX Per your response : According to Ditech records correspondence was mailed to your attention dated XX/XX/XXXX informing you that the servicing of your mortgage loan would be transferred to XXXX XXXX effective XX/XX/XXXX. Specifically Ditech stated that payments would not be accepted from you after XX/XX/XXXX. However, I never received such correspondence. I receive virtually nothing via US mail. Often I do not even clear my roadside mailbox for weeks without a request from the postman. What I would like to know from you is how much NOTICE is required/appropriate to provide a customer before such significant changes are made? Further you responded : Ditech received an email inquiry from you on XX/XX/XXXXstating that you tried to make a payment online and discovered that your account had been closed. Ditech responded to your inquiry on XX/XX/XXXX, explaining again that your account was sold to XXXX XXXX on XX/XX/XXXX. This is indeed true. In this particular month I was experiencing issues with my automatic BillPayer service and planned to pay online. Since I experienced problems I was force to manually send a check. I stated in said email that the account indicated it was closed. Knowing my loan had not been forgiven I merely assumed the site was mess-up. As to any XX/XX/XXXX mailing please see my earlier response. Additionally, I was at my PA home by XX/XX/XXXXthru XX/XX/XXXX and please note that Ditech doesnt claim to have responded to my email, with an email. Or by phone contact for that matter. My check was cashed by Ditech so no further thought was given to your site problem. As for the balance of your reply you are incorrect. Ditech received monthly payments thru XX/XX/XXXX. All except XX/XX/XXXX ( check ) were electrically sent by my BillPayer system and accepted by Ditech, per my provider. With regard to any checks you plan to send, do not send them to me. Send them to XXXX XXXX, the rightful owner. Ive reported this nonsense to the VA in the hopes they will discontinue the use of such flawed providers.
Although I have explained to   XXXX   XXXX   that I do not have an account  with Mariner Finance and s he should stop contacting me and is harassing me, she has failed to furnish me with proof of an account as required by law, conducted   XXXX   credit inquires of my credit report u nlawfully without my authorization, and continued to call me at least 23 times each one  unlawful.   XXXX   XXXX   works fo r Mariner Finance ,   XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX  PA  XXXX , (  XXXX  )  XXXX .
I made a downpayment on a car for my daughter over the phone for {$1100.00}. I faxed the credit card number to the merchantd asking that it be put on my card. The credit card company put it thru as a cash advance and charged me {$50.00} fee plus {$17.00} in interest. I contacted them and told them that I did not authorize it as a cash advance. I have plenty of cash and would never take out a cash advance for anything!. They said that the merchant put it thru as a cash advance and that they could not reverse the fees. I told them this was an unauthorized charge and that I would not pay the fee and that they could close my account. They refused to credit me the unauthorized amount.
Synchrony Bank closed my Walmart Credit Card based on information over 3 months old and has in the past taken action on old information causing serious harm to my credit score. Every time I had any available balance they would immediately lower my credit limit so there was nothing available again. Every reason they quoted for closure has revolved less than 10 days after the date of the info they used and was updated on the credit report claim to have used, they chose to use old info to validate their decision instead of the current info, when I called & contested the decision they told me there was nothing they would do, They also are the bank on my Old Navy card & have taken similar actions in the past, lowering my credit limit so there was nothing available regardless of actual history on that card. They lowered it over {$500.00} in one month alone and continued taking similar actions.
Chase company did not properly credit the payments that I made XX/XX/XXXX in the amount of {$950.00} and XX/XX/XXXX in the amount of {$950.00}. This payment should have been credited to : XX/XX/XXXX payments. I spoke with XXXX XXXX in escalations on XX/XX/XXXX and request that our recorded conversation be referenced if you have any questions. XXXX stated at the end of our call that once XX/XX/XXXX payment was credited to our account we would be current. XXXX was aware XXXX payment in the amount of {$950.00} was already sent by my bank to Chase and stated she would " watch '' my account over the next few days to be sure it was credited. XXXX payment was received by Chase XX/XX/XXXX. My financial institution, XXXX XXXX XXXX XXXX, sent a payment history from XX/XX/XXXX to present to Chase on multiple occasions during this process to aid in their error processing. 
Chase failed to credit the payment I made on XX/XX/XXXX as of the date of receipt. Chase 's letter dated XX/XX/XXXX stated our payment would change to {$950.00} as of XX/XX/XXXX due to an escrow review. I spoke with XXXX in Chase Customer Service last week and she stated that the " system did n't update to show the lower payment '' and that she was fixing the system to reflect the lower payment and that our account would be current and due XX/XX/XXXX. 
I have attempted to contact my customer service representative XXXX XXXX via voicemail and fax, I have not received a return phone call or answer to my concerns from her. Chase sent me a letter stating XXXX XXXX was my customer service representative. I did speak with the escalations department and they stated to " ignore '' the " acceleration warning '' I received dated XX/XX/XXXX as he showed the account to be current. 
Today I spoke with XXXX XXXX at Chase Escalations department to verify the situation was resolved and our account was due for XX/XX/XXXX. XXXX stated she " was n't sure what happened '' and that the escalation department, XXXX, " closed out the case '' and the error remains. I have called Chase multiple times over the past few weeks and was told the error was being corrected and that I did not need to do anything additional to have the error corrected. XXXX stated today that she opened another case in the escalations department and that it takes " at least 5 business days '' to fix the error. XXXX did not see the escrow payment change XX/XX/XXXX in the system however could see the letter Chase mailed to me reflecting the change.
I had no idea that I was going to be paying such a high amount every month, but this company has been calling my job and my cell phone just being very annoying. Please just make them stop.
I recently had my loans transferred to XXXX after applying for the PSLF progam. I submitted my application in XX/XX/XXXX. My loans were transferred from XXXX to XXXX in XX/XX/XXXX. When I received my first bill from XXXX it said that I had made 0 qualifying payments for the PSLF program even though I have been repaying my loan since XX/XX/XXXX. I called XXXX in XX/XX/XXXX to see why there were no qualifying payments and they said that they would open an investigation, but that it could take 60 - 90 days to get the information and add it to the account. 
I called XXXX again on XX/XX/XXXX to check on the status of their investigation. I was told that it was still an open case. I asked to talk to a manager so that I could get a better understanding of where they were in the process. The manager told me that 60 - 90 days is not possible and it may take two years to determine the number of qualifying payments being made. Meanwhile, they have not even counted the payments I have made through XXXX as qualifying payments. 
Obviously, I am shocked by the two year wait time. We are supposed to resubmit verification every year, but it takes two years to process? I am extremely concerned that the payments will not be counted, that I am on the wrong plan or that when my ten years of payments are made it will take a few more years to process. If payments are not being counted, I can not wait two years to find out. I am a XXXX XXXX XXXX and the cost of my loans is excessive.
I 've always had medical insurance and XXXX bills are showing up on my credit score. When I called to pay off a settlement agreement from XXXX $ to XXXX XXXX I called to pay it because it was due by the XXXX of XXXX 2015. I was having issues with my health insurance and being billed for things after my original copay. When I talked to the representative for conemaugh he told me that the insurance must have been set straight because I had a XXXX balance. Well I called XXXX in XXXX they said it was put into collections. So the office that billed me said it was paid and not put into collections but collection 's says they have it. I was trying to pay the XXXX $ and just found I 'll this out. Plus several other medical bills in collections. Some I probably owe but others like the previous XXXX I had insurance with. I would appreciate help in this matter since it is affecting my credit score. I can communicate by email some or text or by phone would be best. My email address is XXXXXXXXXXXX or XXXXXXXXXXXX. my name is XXXX XXXX and my phone number is XXXX. Can you please contact me?
Chase has violated 15 USC and 1692 by continuing collection activity after a cease and desist and 16 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Hello, I have a paid collection with ECMC for {$250.00} back in XX/XX/XXXX. I thought my mortgage company paid off my XXXX XXXX, so I thought back in XX/XX/XXXX. then in XX/XX/XXXX XXXX XXXX contacted me and said I owed {$110.00} along with 2 years in payment coupons. I called many times speaking to reps in another country, they just kept saying I owed the money but could n't tell my why. after about 8 months of fighting with XXXX XXXX, XXXX XXXX then " charged off '' {$250.00} and sent me to ECMC collections. I was finally done dealing with these idiots and paid off the {$250.00} in XX/XX/XXXX. I have been writing to ECMC to please update my credit report to " paid '', instead they are listing my credit report as " failed to pay ''. I just pulled my report on XX/XX/XXXX and they now reported me as 120 days late in XX/XX/XXXX. I feel all this is in retaliation, I even have a letter stating " paid in full '' is n't this illegal? BTW, my credit score is in the XXXX 's however this false report to XXXX has cost me the best possible refinance interest rate, showing that I have a serious delinquency.
During deployment turning in my SCRA documents was misleading and stressful.I did n't get info to do so until I was XXXX and away from home. I 've tried contacting the company to make payments.Back in XXXX I even had a customer service agent take XXXX payments without permission resulting in bounced checks and over drafts with my bank. I have to get a new bank account because of this so I could pay bills. I was told my account is under audit and I could n't getme account info or make accept payments at the time. I had the we can take payments / we will differ a paymen to help you catch up a few time while deployed. Then I 'm in Texas going through my XXXX when I finally get help from someone. At that time I 'm told I 'm XXXX payments behind! I 'm told they can differ a payment and help me get caught up. Before that could happen though they would have to take a payment to keep me out of repo and call me back about the deferment. i was never called back again except for another payment. To where at the beginning of XXXX I made a payment around the XXXX and setup XXXX for the XXXX. This was going to get the current for the month of XXXX. Meaning I still owed a payment for the XXXX XXXX payment date. I tell the customer service agent that as of XXXX XXXX XX/XX/2015 I 'm off active orders and told him I would try making both payments XXXX XXXX. He assured that will get on track. XXXX XXXX I get XXXX letters XXXX stating my intrest rate changed and a bill dated XXXX/XXXX/XX/XX/2015 that I now owe XXXX by XXXX/XXXXXX/XX/2015 and my payment is in collection. I called and was told a manager would look at my account and call me back XXXX XXXX of XXXX. XXXX XXXX I 've had to call them. Collections tells me I owe XXXX and they transfer me finance. I 'm told my account has never been audited and my payment is n't XXXX ( results of a " descrepancy from a retina audit '' letter sent XXXX ) it 's not XXXX per the bill sent XXXX. Actually it 's XXXX as of XXXX w/ XXXX as current owed
Many times, I have contacted Experian  Information Solutions, INC in regards to some allege debt that has been reporting on my credit report as derogatory or negat ive items. I request on many occasion that this credit bureau validate the allege debts, but I have never receive any evidence of verified debt from original source. The credit bureau is supposed to request verifiable proof not partially but in whole according to federal law. The law requires the bureau to only report the negative item if they have  XXXX  percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is supposed to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Experian is reporting a   XXXX   XXXX   XXXX   account on my credit report that belongs to someone with a similar name. I have sent the proof that the account was in someone else name to Experian, yet Experian fail to investigation this and fail to remove this fraudulent imformation from my credit report. I have valid proof that the account belong to someone else. Also Experian is reporting a  XXXX   XXXX , negative items or derogatory items on my credit report. Also the  XXXX  Collections is not refecting accurate information. I sent a notarized letter via  XXXX  tracking to Experian to have these negative information investigated, but Experian fail to properly investigate these issue. I also sent proof that the    XXXX   XXXX   XXXX   acc ount is not mines, but Experian response by stating that they are not investigating this. How can Experian fail to investigate an issue where an account does not belong to me, and I sent valid proof of this? The other  XXXX  credit bureaus   XXXX   and   XXXX   have acknowledged that this alleges   XXXX   XXXX   XXXX   account does not belong to me, and they have deleted it from my credit report. Experian fail to provide me with require information that these allege debt are  XXXX  percent accurate, Experian is still reporting these negative information on my credit report. Also I have received letters from   XXXX   XXXX   stating that they ca n't validate the allege debt, but yet Experian is stating that they verfied this, and this negative item is still being reported on my credit files. Experian needs to provide legitimate validation and fulfill their legal obligation by investigating the disputes. Experian is supposed to exercise their responsibility with fairness, impartiality and respect for all consumers. Experian never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. Experian is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only supposed to be reported when you have  XXXX  percent verifiable proof. Now Experian continue to report negative items on my credit report and fail to provide me with  XXXX  percent accurate, legitimate validation of allege negatives that they are reporting on my credit.
Equifax is not deleting inaccurate information from my credit report. There was a medical collection placed on my credit file that should not have been there. I called the medical provider as well as the collection agency ( XXXX XXXX ) and the issue was resolved. I spoke to the collection agency at the end of XX/XX/XXXX, and they stated they would submit the account to be deleted from my credit reports on XX/XX/XXXX. I waited 30 days, and contacted the collection agency again because the collection was still showing up on my credit report. They stated they submitted the request for the account to be deleted on XX/XX/XXXX and to wait a few more days. So, I waited until XX/XX/XXXX, and I called the collection agency again and the rep stated the same thing, they submitted the request to have the collection removed on XX/XX/XXXX, and went ahead and sent it again on XX/XX/XXXX. So, I called Equifax on XX/XX/XXXX. Spoke to 3 different reps, the first one was unable to assist me. The 2nd representative who was a US representative was VERY RUDE ( she did not state her name ) nor did she even ask me what account I was calling about, I told her a collection account was submitted to be deleted and it is still on my credit report, she put me on hold for several minutes and got back on the phone and stated nothing was submitted to be deleted. She did not even know the specifics of my inquiry. VERY UNPROFESSIONAL. I asked to speak to a supervisor and the so-called supervisor ( XXXX ) and asked for the previous reps name, he stated he did not remember her name. I filed a complaint with him and left my phone number and never received a call back nor has my issue been resolved. 

The collection account is still showing up on my credit report and it has been almost 2 months since it was requested to be deleted. The collection agency sent me a letter confirming that they submitted the collection account to be removed from all three credit bureaus. I have attached the letter from XXXX XXXX. 

I 'm not sure what the deal is with Equifax but the collection account for XXXX XXXX listed on my credit report NEEDS TO BE REMOVED IMMEDIATELY!!!!! Do not respond and state you launched an investigation and that I have to wait 30 days. That is UNACCEPTABLE SINCE I HAVE ALREADY WAITED ALMOST 60 DAYS!
XX/XX/2019 Chase denied credit based on a number of accounts opened in a 2 year period reference # XXXX and not my credit worthiness. The reason the other accounts were opened is due to companies competing with lower rates.