WillisBack/dataset-financial-user-claim huggingface dataset:
I have been in contact with  Conn 's on multiple occasions in regards to the reporting of payments made on my account. I have pulled copies of my credit report and have noticed that Conn 's is not correctly reporting payments that are made to my account on time. There are months that were not reported or marked late on one c redit report while the other  XXXX  bureaus has the payment marked as on time. There is conflicting and incorrect information being listed on my credit file which is making it hard to aquire trust and credit from other comp anies. Conn 's representatives has not been helpful in helping to correct my report.  All three credit files reflect different information and I am being reported for late payments in months that I have been on time. Providing false information to the credit bureaus are against the law according to the FRCA.
cra violation sent po report also XXXX XXXX the report has taken longer than 30 days id theft letter also sent to id theft gov
I lease my vehicle with a company name Ally. I have decided to purchase my vehicle and I called them to get a payoff and I was told It would take two business day, to make the long story short ; in my credit report it has been reported that i owed {$23000.00} and in the payoff amount it said {$29.00}, XXXX, when I called them to get an explanation none of the employees can explain in details why im i been charge that amount. I feel that in some part they have violated Regulation M since I 'm not able to get a clear understanding and none of the paperwork explain what I 'm been charge. please help me get this square away.
I currently bank  with WellsFargo and i use the app   XXXX   XXXX   to get paid daily for everyday i go to work.my bank is refusing to allow   XXXX   XXXX   update reports about my banking information. They authorized and update their info to active hours every 24 hours.   XXXX   XXXX   requests my bank info like balance etc to be updated every hour. Its an automatic system so whats the trouble right? Well they still only send updates to the app every 24hrs so thats n y complaint
There is an account that is past the statute of limitations and need to be removed and is also unverifiable which iXXXX XXXX XXXX XXXX # XXXX I need some help I have disputed this several times with no correction and removal
I opened a XXXX XXXX account on XX/XX/XXXX. I fell behind in XXXX. The total amount was {$2500.00}. On XX/XX/XXXX I contacted XXXX XXXX on account # *****************.We entered a settlement agreement for {$2000.00} which was paid in two installments of {$340.00} and {$1700.00} on XX/XX/XXXX. XXXX XXXX now wants an additional {$880.00}. The new agreement supercedes the previous agreement. The balance is XXXX. Paid. I would like the credit bureas to delete the record. No payments have been reported by XXXX XXXX. I have forwarded the cancelled checks and the letter that the account is settled to no avail. Advise.
I called Quicken Loans for the limited purpose of obtaining information regarding alternative loan programs and their respective rates. Although the purpose of my call was clearly stated, the Quicken Loans representative asked a number of invasive questions, some of which I answered. Finally, when it became apparent that the Quicken Loans representative would not furnish the desired information unless I provided more confidential information, I terminated the call. The attached e-mail exchange then ensued between Quicken Loans and me. I respectfully request CFPB to issue an opinion as to the merits of my claim that Regulation B does not apply to the information furnished by me and that Quicken Loans is not prohibited by Regulation B to expunge such information. Thank you, XXXX XXXX
I keep getting fake debt collection agency calls from phone numbers that do not ring to businesses. These numbers have been reported by many people as scam artists harrassing them for debts never incurrec. XXXX and XXXX are XXXX of them calling. This just started after I dropped XXXX of my XXXX XXXX XXXX XXXX services, which I pay every month. There is no adverse report on my credit report. I am not past due on anything. Stop these scam artists.
They contacted my references and left the last XXXX digits of my bank acct. # and my social security # on their recorders.
I requested validation of bankruptcy reference # XXXX, # XXXX, and # XXXX on my credit report from Transunion and Transunion sent me a letter stating that they verified the public records through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Transunion Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore Transunion has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records belong to me.
I t is 2017 and I have repeatedly asked all   XXXX   credit bureaus to remove old accounts and ones that have been paid and  cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.
On XXXX XXXX I called a number given to me by a XXXX store representative to talk about removing a collection from my credit report if it was paid in full. I had previously settled for less than the full balance but wanted to know if I was able to have it removed if I was able to pay the remaining balance. When I called the number on the phone a second representative and I went through a long processes of confirming my identity because the account was so old that I did n't remember any of my old security information. After I was eventually able to confirm everything I asked him if by paying the account in full the collection would be removed. He said that doing so would remove it so I paid the remaining balance over the phone then filed a dispute with each credit reporting bureau to make sure that the collection was updated and removed now that the full balance had been paid. Today I received the first results of my dispute from XXXX telling me that the collection will remain on my report until XXXXe 2019. It bothers me that I was misinformed by two separate XXXX representatives about the outcome of paying off the remaining balance and then the fact that doing so will result in no change whatsoever.
I recently contacted Portfolio Recovery Associates to pay off a debt I had in collections. As I began to pay off the account in full. The supervisor got on the phone and said I had another debt with this company from 2005 from XXXX Bank and I should take care of it. I reluctantly paid {$350.00} to this comapny and later after looking over my credit report realized that this account was no longer on any of the credit reports because it was removed. I contacted Portfolio Recovery by email and phone and they said their was nothing they could do about it. I am aggravated that this company lied about this bill and they have my money. this is definitely unfair and I believe i should be refunded the amount of {$350.00} because this account I am no longer liable for.
I cancel the service of broadband with XXXX on XX/XX/XXXX and transfer my provider to XXXX. 
After numerous call in regard canceling of the service and returning device XXXX install for my connection to the broadband. ( I pay rent for more than 5 year every month for this device the cost of it on the invoice. is {$70.00}. ) I personally drop of the device at XXXX Now on XX/XX/XXXX I received a debt. collect invoice. from ERC for {$190.00} I call this company and I war refer to XXXX to dispute the the charges. 
XXXX will not talk to me if I do not give them my SS number,
This is a resubmittal of additional information related to Complaint # XXXX. 

Here is the original text of that complaint : I have a credit card issued by XXXX. This card was hacked in XX/XX/XXXX/XX/XX/XXXX. When I looked at my XX/XX/XXXX statement I saw a charge for {$110.00} that I didnt recognize. I called XXXX in early XXXX and said it looked like another fraudulent charge, similar to the several charges from the hack. XXXX issued a credit and filed a chargeback to the other company involved, Fifth Third Bank. However, a few days later I realized that the charge was in fact legitimate and contacted XXXX. They did the required paperwork to release the funds to Fifth Third Bank. This was in XX/XX/XXXX. 

I thought the matter was completely settled until I was contacted by the merchant ( XXXX XXXX ), as well as the merchants credit card servicing company ( XXXX ) in early XX/XX/XXXX. Both entities told me that the funds were never released by Fifth Third, and that I needed to pay XXXX XXXX in cash. I apologized for the delay, but explained that XXXX had released the funds in XX/XX/XXXX. Since then Ive been in frequent contact with XXXX, XXXX, and XXXX XXXX. XXXX and XXXX both told me I need to contact Fifth Third Bank to get my money back. 

I tried both emailing and calling Fifth Third Bank - horrible experience with zero results. XXXX told me today that I may have to take legal action to get my money. Based on the many negative reviews on multiple websites, this is a company that should no longer be in business, and perhaps a large class action lawsuit would be just the ticket. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subsequent to filing the original claim, and seeing that Fifth Third Bank has denied TWICE that this is their problem, I am providing additional information and documentation. 

1. Screenshot of a secure email from XXXX indicating the funds were released to Fifth Third Bank on XX/XX/XXXX. 
2. Screenshots of emails from XXXX also indicating that they had completed the paperwork to have the funds released back to me -- and to contact Fifth Third Bank.
I paid off XXXX XXXX XXXX bal XXXX on XXXX XXXX and disputed on XXXX XXXX this account was deleted and updated on XX/XX/XXXX per XXXX XXXX request. On XXXX XXXX this account reappeared on my credit as not paid and owing a balance of XXXX which is false information, I tried to dispute information again but was not successful due to equifax dispute system being down online I called on XX/XX/XXXX and was told to call XXXX XXXX which already verified that account was deleted on XX/XX/XXXX, I have proof that account was indeed deleted on XX/XX/XXXX but reappeared on XX/XX/XXXX. Dispute resolution was suppose to be complete for XXXX XXXX XXXX XXXX, and also for XXXX XXXX # XXXX bal XXXX and acc # XXXX bal XXXX dispute confirmation # XXXX on XXXX XXXX. I plead and asked for Equifax representative to email me my results for XX/XX/XXXX and so call supervisor never did.
On XX/XX/XXXX I called Loan Depot and spoke with XXXX to get the address to send my payoff to. I was given the address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. That evening, I placed the check in the mail. On XX/XX/XXXX the check was deposited by XXXX XXXX XXXX XXXX. In XXXX we got a phone message saying that Loan Depot needed our next payment. To keep the account from going to collections, I payed a payment of XXXX. Then as I looked into the situation to see why the account had not been paid off, I found out that the address that I was told to send it to was for an old service provider at Loan Depot. Over the course of the next 4 months, I made several calls to both companies trying to resolve the issue. Unfortunately, neither company was very helpful. Finally, in XXXX, XXXX XXXX XXXX XXXX XXXX finally returned my payment and I was able to send it in to Loan Depot. Loan Depot has debited the account, but refuses to refund the extra payment of XXXX made back in XXXX. That payment would not have been made if it had not been for their customer service representatives error.
I have spoken to XXXX XXXX, XXXX, XXXX  and equifax multiple times last year in XX/XX/2017 and this year. They stated that they would fix the issue and delete the XXXX   credit card off of my credit report permanently, which never happened. It keeps getting reinserted by XXXX  credit card because they keep reinserting it with a different credit card number. They used two different credit card numbers so far. I had my wallet stolen from my vehicle and multiple people used my identity, which resulted in a fraudulent XXXX credit card 's to be open without my consent. I have been dealing with this for over a year. I am very tired of XXXX  doing this to me and the credit bureau 's. I want to get this resolved and off my credit report permanently like XXXX told me they would when I first complained last year in XX/XX/2017. Attached are all the legal supporting documents of my identity theft and the FTC report.
Account was paid in full from balance transfer but the Company closed the account. It should have been closed and Not charged off. A Walmart card
Equifax free ID Theft Service is of no use to me as I had problems months ago logging into my account. I have tried to reach out by email to Equifax but the email bounced back. My old email address was : XXXX ( closed this email account this month ). I would like to use the free service but was unable to see any data of myself in my Equifax report since I was locked out of report. I was told by Equifax that my information like millions of Americans was breached.
Navient has made it absolutely impossible to change to an income-driven repayment plan. Every time I submit something it claims I failed to submit something else. I 've sent everything at least twice now. Now, it claims because I did n't include the word " gross '' on my income statement, they will not approve me for income-driven repayment. My loans were put into deferment during this period without my permission, which has cause my interest and balance to go up by at least {$1000.00}. I told them I would pay the full amount until this was resolved but I was still put on a deferral program.
choice recovery inc reported on XX/XX/XXXX. In amount of {$650.00} XXXX XXXX company reported on XX/XX/XXXX in amount of {$88.00}
This is a two-fold complaint. First, With Wells Fargo. On XX/XX/XXXX I started working for a new company called XXXX XXXX XXXX. I was to XXXX XXXX  with my Credit Card and get re-imbursed through a WF account that I would have the routing and account number too. I never received a statement so could never verify the actual account. After making my first submission for repayment of {$2300.00} on XXXX my Bank, XXXX, within one day XXXX would tell me the funds were " RECEIVED AND CREDITED '' to my account and the new balance was XXXX. I was then free to go buy more goods as I was supposedly " paid in full. '' On approximately XX/XX/XXXX this was returned. On approximately XX/XX/XXXX I charged {$9000.00} on my VISA ending in XXXX and on the XX/XX/XXXX the check was returned UNPAID. I resubmitted it to the Wells account and it was returned again. This has happened six times now and all the money is on my CC one card for {$20000.00} and another for {$28000.00}. BOA says it a fraudulent account and that the account info was not the company I worked for but rather a stolen account of a wealthy individual who may not notice this charges until an auditor finds them and reverses them EVEN IF THAT IS 4 MONTHS AFTER. How can a bank, WF, allow anyone to withdrawal money on an account that is not there's? How can XXXX tell me my account is credited and then return the funds weeks later?
I have submitted several dispute letters and a FTC form to the credit agencies with regards to the following accounts below. To date, the credit agencies has not responded to my complaint that notifies them that these accounts was opened as a result of identity theft. 

XXXX XXXX/XXXX XXXX - Opened XX/XX/2018 The following Inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
I am a XXXX veteran. Several times as a XXXX, WI veteran, the VA send me to the XXXX hospital and clinics to be treated and they ( the Veteran Affairs Office ) pays them directly. In particular I have several debts that a ) never received notice of ; never given a chance to dispute until this year ; and they immediately sent this information to the credit bureau and collections which have failed to inform, notify or head my numerous attempts to dispute this debt. The debt collectors from XXXX XXXX hospital from XXXX 2009 assert that I owe {$220.00} from care they provided on behalf of the VA. Despite more than XXXX phone calls, and letters from the VA verifying they are going to pay it but they may some bureaucratic snafu, they still have this report on my credit report, I am not late, nor do I owe this debt!!
My  Auto note i s {$350.00} a month with the payments being divided between my  XXXX  paychecks and rendered before or on the  XXXX  of each month. Supposedly in  XXXX   2014 , the second half of my payment was {$10.00} short and my account has been notated as 30 days late on my credit bureaus ever since. My payment is due on the  XXXX  but they tell me that they need to post it on the  XXXX . Makes no since. Either the  XXXX  ( according to my paperwork ) is the due date or it is n't.
My information was used to illegally open a line of credit. My signature was not written in person and therefore photo-shopped onto an application for processing. The funds were obtained and used. The company is saying it is my account, but the address used is an address I have never resided at.
I received a call from a woman named   XXXX   XXXX   claiming she was representing Chase bank. She attempted to get me to acknowledge and make payments on prior debts of my deceased grandmother. Upon asking this woman for detailed contact information including the firm she represents she would not provide it to me. Only a phone number. I do not believe she or her firm is a legitimate debt collector or attorney.
I have tried and tried to fix this problem. I cant afford to pay someone to fix this problem. I will try again to explain the problem. On my credit report there are 2 incorrect information and I would like to have them corrected. The first is the XXXX. It was paid in full. It states that it was sold to another company. That company is XXXX XXXX. I paid this account in full. I have sent copies to you before but it still has not been changed. The other account is with XXXX. This account was sold to XXXX XXXX XXXX. I paid them in full. It still states that it was not paid. In the collections part of my credit report it states that XXXX  was paid in full. Its a duplicate account. I have sent copies of the information to you before but it still hasnt been changed what do I have to do to fix this problem? Thank You.
My car payment is 13 days late. I understand this is not " acceptable '' but I have never fully missed a payment and have paid over XXXX on a XXXX loan. XXXX XXXX, from Coastal Credit has the audacity to stalk me on my XXXX and has also contacted friends off of my XXXX that are not listed as references on my account and have no relation to me. I find this completely to be an invasion of privacy. I am filing this report in hopes of putting a stop to the harassment. When I called him to confront him of his actions he was rude and ignorant. The call was on a recorded line and although I lost my " cool '' after being verbally abused, his actions as a man of business are unjust and unacceptable.
My issue is that I have 2 accounts XXXX XXXX & XXXX XXXX XXXX that are this reporting negative credit information and the 7-year rule is in effect. Both accounts in question 1st became delinquent over 7 years ago. I disputed this with all 3 credit bureaus and not only did they not fix the problem, they also didn't properly investigate the matter. Not even the creditors were able to verify what we requested.My complaint today is with Experian, XXXX, and XXXX. Hoping to get this resolved and appreciate your help.
I was part of the XXXX credit information hack. In addition to lack of personal notification that ALL of my personal and financial identity information was compromised, I find it unacceptable that I have to PAY to freeze my credit when I did NOT consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
A. On XX/XX/XXXX was told by Ocwen via equator message that the net was short around {$3000.00} and to submit a higher offer. 
B. Higher offer was submitted on XX/XX/XXXX which increase the offer to {$260000.00} the net by {$2500.00} ( which is around $ XXXX ) C. Escalation dept confirmed receive of document XX/XX/XXXX yet underwriting did not not the file as complete until TWO WEEKS later despite my follow ups. 
D. File was at a standstill until XX/XX/XXXX despite weekly follow ups we should not be penalized for underwriting taking much longer than they should have. 
E. XX/XX/XXXX I increased the net even more to {$230000.00} which it is over {$3000.00} higher in net then the original hud submitted I do not understand why the short sale is not pending approval with the above considered
I GOT A LOAN FROM ONE MAIN AND THEY PULLED MY CREDIT TWICE AND THEY OUT-OUT FROM PROMO INQUIRIES, THERE 6-7 ON XXXX AND 4-9 ON XXXX.
I was checking my oldest credit account online as of XX/XX/XXXX, noticed it had been closed due to inactivity. I called Capital One in response to get it reopened, but they claim they can not reverse this decision. I was told it was closed XX/XX/XXXX so this was within 90 days that I was inquiring about this account and requesting it be reinstated. All of the contact information has been up to date, and I have not received any notices that this account was going to be closed. The representatives confirmed on the phone that no notices were sent. I also called again on XX/XX/XXXX to try and have the situation rectified but they claimed they could not reverse the account closure.
I have had five medical debts that were once removed reappear on my XXXX credit report. When I disputed 3 of the 5 all which was from the same company XXXX XXXX were removed. The other two were not. I sent a certified letter to XXXX advising them that these were not my accounts and they were removed in the past. Also that in XXXX 2016 the accounts were under XXXX XXXX and were removed then once disputed as well. Then after that the accounts came back under XXXX XXXX which is another name that XXXX goes by and the accounts were deleted off my credit report and now for the third time same debt is back under a different name. I also stated to in the letter that XXXX XXXX is not licensed in the state of Florida ( which is where i reside ) to  be a collection agency. Also I asked for proof since XXXX and XXXX states this is my account. All I received back from XXXX was that the accounts were verified, I tried calling and still get the same result. I have done everything I feel I can do and still have not had the proper resolution.
I called cash fairy loans saying I needed payment lower because hours were cut back at work. They would n't do that. Said loan was based on my income. So I called to get address for them so I can send letter asking not to deduct next payment and I would mail payments. Would n't do that either said I had to get prepaid card and call with information. So I called XXXX bank and stopped authorization of payment but they said they may try to take out under different name. Said I may have to close my account to stop them.