WillisBack/dataset-financial-user-claim huggingface dataset:
On three separate occasions, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made online transfers between accounts. Each time it originally showed I did it and then the transfer never went through. I bounced a check, first time in my life, I had to use overdraft which I was charged for. 
When I called customer service they were continuously rude and unhelpful and one person hung up on me. 
I went to the bank, Bank of America branch in XXXX XXXX XXXX XXXX, Fl and I was upset. One rep helped me fix one situation byut manager called police on me and they came and made a scene. 
When I confronted her about it at a later date she denied it saying it was corporate which was a lie. She refused to discuss it. She said she would have a district person call me, another lie. 
I repeatedly asked to speak with someone in Corporate which was denied. 

These instances have caused several problems and B of A employees are generally rude and unhelpful. 

On XX/XX/XXXX I called their branch 23 times with no answer. Manager shrugged it off
I tried to dispute this account because it has been over 8 years that this account has been opened and I wanted it to be removed from my credit report. As the result, this account came back on my credit report re-aged. 

I spoke to Equifax and they told me my account can not be removed because with a {$0.00} balance I need to wait 10 years. And it is showing a new date as XX/XX/XXXX and this account will be removed from my credit report in XXXX. They re-aged my account and told me there's nothing they can do about that. 

They also told me to try and contact the creditor company and ask them to send an authorization to remove the account. 

I called the creditor company and they told me it is impossible that my account re-opened unless I applied for a new credit line which I did not. I tried to explain the situation to her which she did not want to listen, and she told me they can not remove anything. 

I know my rights and I know that they can not leave bad debts more than 7 years on my credit report and re-aging accounts are illegal.
I sent Transunion a identity theft report and they said they could not accept it without a police report. So I sent them a new identity theft report with a police report, with the items that were not mines and the inquiries that were not mines. This has been a long frustrating process, I have done everything they have asked of me, without getting the results that I am supposed to get. Please help me get this situation resolved. Thank You
Discover closed my accounts only with a letter notice and no reason or further information. The account being closed was an activate account, with last transaction on XX/XX/2016, but receiving the closed notice on XX/XX/2016. Year-to-date spending is {$1600.00}. 100 % on-time payment and no fraud or any other risky activities. Contact Discover and being transferred to different departments and yet no further information but only been asked to write letter to a XXXX to request a reason. Meanwhile, Conflict information received from Discover online system sending email encouraging to join rewards program and also normal status in online profile.
XXXX XXXX XXXX XX/2011 {$570.00} Western shamrock XX/2011 {$170.00} XXXX XXXX XX/2011
XXXX XXXX using Ace Cash Express Payday Loan name to try and collect money not owed to them. Contacted Ace cash express and I have no debt with them.
XX/XX/XXXX - a new tradeline appeared on all 3 credit bureau reports, and listed as collection account.

I have not previously heard from this company, nor did I receive any written correspondence.

I immediately sent a letter to them to validate the debt but have not received back any validation.

I also disputed with the credit bureaus and the dispute came back verified.

They placed a name that I have never used on my credit report and I had to dispute that too, as it's not my legal name.

Tradeline lists as JH Porfolio Debt Equiti and lists a contact info at XXXX XXXX XXXX XXXX, which is false information.

This is in direct violation of Fair Debt Collections Practices Act ( FDCPA ).
Equifax has failed to accurately update the CURRENT STATUS of paid accounts as PAID. I have attached a portion of my equifax report to show the issue with SEVEN accounts by 3 different creditors. Each of the creditors has indicated the account is paid in full, but Equifax only indicates that in the comments and fails to indicates paid under current status. This results in a lower credit score and results in statutory damages that are ongoing. <P/>For each of the seven accounts, the balance is XXXX and there is a comment showing paid. However, the CURRENT STATUS remains 'Charge-Off '. <P/>I have previously asked Equifax to fix this simple, obvious issue. They point to the creditors needing to fix it but I have discussed this with the creditors who state they are reporting the accounts as Paid in full for less than the full balance. It is Equifax who is only showing this in comments and failing to change current status. These same creditors who report to XXXX and XXXX show the same accounts as PAID. <P/>The accounts can not be paid AND a charge-off at the same time! Under the FCRA, Equifax can either show my current status on the accounts as Paid, Paid - Was a Charge Off, or it MUST delete the accounts. <P/>My understanding is that Equifax is SYSTEMATICALLY FAILING to indicate the current status as PAID when creditors update the accounts as Paid in Full. Each of the accounts on my attached and annotated Equifax credit report CLEARLY indicates they are paid and Current Status must match. No consultation with the creditors is needed in this matter, as the creditors have each correctly updated the status as PAID. <P/>Equifax erroneously shows the current status as Charge Off while showing Paid in the comments. <P/>This erroneous, systematic reporting of my accounts as current Charge-Off status lowers my FICO score and damages me financially, since my credit offers are reduced and interest rates are increased from the lower score due. <P/>Further the CFPB should inquire with Equifax to learn whether this is happening systematically to ALL consumers who pay charge-off accounts.
I am the co signer on this loan. My daughter applied for this loan over 8years ago. We were told that as long as she paid this loan with problems for two years that she could assume this responsibility on her. After her graduation with her masters she had tried to consolidate her loans and wanted to include this with it. They told her she could not consolidate this into it nor could she drop her co signer. This was the lie that was told to us. Since then she has maintain good credit and has bought a house etc. and have been a responsible person with her credit. I have tried several times to remove my name from this loan for XXXX. As a co signer they will not give me any information and they finally said they will not let my daughter XXXX XXXX go out on her own. Please advise us as to how I can get my name removed from this debt. Or why and how can she consolidate this into her other student loan debt. Thank you, XXXX ( School is XXXX XXXX XXXX ) in XXXX NC.
XXXX XXXX XXXX refused any communication for over a year with my lawyer who was attempting to negotiate a settlement on my behalf for the balance due on a XXXX credit card. I requested that my credit card be closed and XXXX reported the balance as a bad debt write off, yet they continue to report the balance as outstanding for the past seven years to all three major credit bureaus hurting my credit score and making impossible for me to qualify for a mortgage.
I received a letter in the mail indicating I was delinquent on a loan payment to XXXX XXXX on XX/XX/XXXX. I contact XXXX at the number provided on the letter - XXXX and requested information on the account. The account was for a personal, unsecured loan in the amount of {$800.00}. 

Contacted XXXX XX/XX/XXXX : Indicated the fraud and requested a representative within their fraud department contact me. 
Contacted XXXX XX/XX/XXXX : Indicated the fraud again and asked if a supervisor was available to assist. Was transferred to XXXX and repeated the story. He said they couldnt transfer me to a fraud department, but that he would escalate this and someone would reach out within the next 24 hours. 
Contact XXXX  XX/XX/XXXX : Spoke with XXXX XXXX, a supervisor, he again noted on the account and said he would personally escalate this. He was provided my email and cell number once again. 
Contacted XXXX to dispute the account.and was told that XXXX would respond within 30-days. 
Received notice from XXXX that XXXX had validated the account and the dispute was canceled? 
Contact XXXX XX/XX/XXXX : Spoke with XXXX ( Supervisor ) Provided information on the loan. Escalating again to resolutions team. I was told i'd hear back within 24-48 hours. No call back. 
Contacted XX/XX/XXXX - XXXX ( XXXX XXXX XXXX ) to discuss the limited help Ive received from XXXX. She was going to help escalate this. However, she was in XXXX and needed to get back to me. I received a text from her Saturday XX/XX/XXXX. She gave me the number for the Service Desk @ XXXX and asked myself or the detective to contact. XXXX. 
Contacted XX/XX/XXXX Went to the XXXX XXXX XXXX branch ( Orgin of the loan ) and spoke with XXXX ( Manager ). I was able to see a picture of the suspect that took the loan on her computer, but unable to take a picture for my records or receive copies of the loan documents. 
Contacted XX/XX/XXXX Called the help desk and was on-hold for exactly 30 minutes, nobody ever picked up. Left message on voicemail with all account info and indication of Fraud. Updated XXXX. XXXX by email of the latest info I had on the case. 
Contacted XX/XX/XXXX - Called the help desk and was on-hold again for exactly 30 minutes, nobody ever picked up. Left message with voicemail. 
Email XX/XX/XXXX Sent email to XXXX with details of fraud and account. Requested someone contact me immediately.
Credit bureaus reported I had a XXXX balance on my XXXX XXXX XXXX XXXX charged off checking account as of XX/XX/XXXX, after I paid the account in full. AfterXX/XX/XXXX the credit bureaus continued to report me late every single month, despite the balance being paid in full. The status was reported incorrectly almost 50 times severely hurting my credit score and ability to access credit. I disputed the XXXX XXXX XXXX XXXX late payments in XX/XX/XXXXwhen I discovered the error. The credit bureaus completed the dispute in XX/XX/XXXX without making the corrections and removing the false late payments from my credit report.
On XXXX/XXXX/XXXX The State of South Carolina expunged a tax lien after I complained that I was in communication with the state to investigate the accuracy of the amount owed, this was because I had to dispute the same year ( XXXX ) tax return with the IRS. In summary, the amount was settled and they issue the expungement. They stated to me " All I have to do is send the letter to all three credit bureaus and they will remove the public tax lien off my credit report ''. I disputed the public record with all three bureaus, XXXX ( confirmation XXXX ) and XXXX ( confirmation XXXX ) deleted the tax lien public record with no issues, Equifax did not after three attempts to resolve, to include calling-in and speaking with a representative who stated that it should be removed. The third dispute was completed XXXX/XXXX/XXXX ( confirmation XXXX ) with a result of verified again. I 'm not sure what else to do other than file this complaint. Please assist me with this and I look forward to your response. 

Thanks.
I DID NOT APPLY FOR A LOAN WITH PAYDAY LOANS. 
I received several calls from XXXX XXXX XXXX about a claim. Spoke to XXXX representatives who stated that i was in default and breached contract with Payday Loans in the amount of {$430.00}. Was given XXXX options to settle - XXXX XXXX XXXX one time payment in full of {$430.00} or installment payments on {$530.00} to be received in their office within XXXX5 days. They referenced a previous employer, and a financial institution with which I had no accounts. 

I told the XXXX representative that I refused to pay because I did not originate the loan - they asked and I confirmed the last XXXX of my SSN with the representatives and gave them my current mailing address and email address.
I was trying to lower my interest rate since it was too high ( 8 % ). Because of my work situation I could n't prove my income clearly, that 's why I could n't apply for refinancing, so I had to request for loan modifications. But even modification I got declined many times. But about XXXX years ago they send me an offer saying for XXXX years my interest will be 3.25 % but they increased my principal from $ XXXX to $ XXXX. Because of the pressure of losing home in foreclosure l accepted the offer and start paying on time. Even though after XXXX years they hicked up my interest rate back in 8 % driving my monthly payment from below {$2000.00} to almost double over {$3800.00}. I called many times for them to concider me to pay the same amount for few months so I can find the job and apply for modification but they said there 's no way to help me. After paying all those money and big principle balance now I am stock and in risk of losing my home.
I purchased a house on XX/XX/2015 of this year. The mortgage was handled through XXXX XXXX XXXX. The Servicer at the time was XXXX XXXX, XXXX On XX/XX/2015 the Servicer was transferred to Loancare XXXX I already filed a complaint regarding the handling of the transfer since they took such a long time getting my account transferred over ( Federal states within 15 days, they took until XX/XX/XXXX before I could actually make a payment. 
This complaint is regarding their customer service handling and their website. Since setting up my account at their website, ( www.myloancare.com ), It consistently says I have no Mortgage Insurance, however they are dispersing an amount for Mortgage Insurance. 
Upon calling customer service, they told me that none of the information on their website is accurate until an " Escrow Analyses '' is done, and that wo n't be completed until XX/XX/XXXX. 
This is unacceptable to me as a consumer that they are handling the payments and disbursements of money for my mortgage on my behalf, yet I cant get any accurate information from my account on their website when logged in under my account. If a company is going to arbitrarily decide who my servicer is going to be for my mortgage without asking me, then it should fall onto the servicer to make sure that information is up to date and accurate, which it is n't.
I have been enrolled in IBR for 6 years, paying through FedLoan. On XXXX XXXX, XXXX, I submitted a request through XXXX to be considered for Repaye. On XXXX XXXX, XXXX, I received letter from FedLoan, telling me to recertify my income, and to submit recertification info by XXXX XXXX, XXXX. If I did not recertify, my payment would be switched to standard repayment. On XXXX XXXX, XXXX, I requested an update from FedLoan on my request for new payment plan. I was told, via email, FedLoan had received my request, and that it may take 60 days. On XXXX XXXX, XXXX, I called FedLoan and asked for update. I was told they were " sorry, '' but because I recertified for IBR subsequent to my request for new payment plan, my initial request for new payment plan was ignored. If I want to be considered for new payment plan, I have to start the process over. I have been waiting for approximately 4 months for an answer to my request. No one contacted me about my initial request and the fact that it has been ignored. Additionally, the information I have received from FedLoan has been misleading and untruthful. Finally, no where is there information that I could not apply for a different plan, just because I also needed to recertify my income. 
The email from FedLoan ( my initial question is below the response ) : Thank you for contacting FedLoan Servicing! We received your request for an Income- Driven Repayment ( IDR ) plan on XXXX XXXX, XXXX. Once your request is processed, we will send you a notice with the results. 
If your request is approved, it may take approximately 1-2 billing cycles for your new repayment plan to take effect. You will need to continue to make your regular monthly payments until you receive your first bill with a new payment amount. 
We recommend that you use the " Contact Us '' links on our website, www.MyFedLoan.org, to submit inquiries via a secure email form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX until XXXX ( ET ). 
Sincerely, XXXX FedLoan Servicing -- - Original Message -- - On XXXX XXXX, XXXX at XXXX, wrote : Account : First Name : Last Name : Date of Birth : I have contacted the XXXX. My request for change of repayment plans has been " closed, '' and was been forwarded to you some time ago. What is the status?
On  XXXX   XXXX ,   XXXX  , I pulled my credit report and notice a medical collection from   XXXX   XXXX   XXXX   XXXX   that does not belong to me. I attempted to contact and dispute this with  XXXX  acknowledging the debt not being mine, yet they sent an itemized invoice under their letterhead. I, then, disputed this account again with the company on a later date notifying them the account is not mine, and the information provided is a violation to  HIPPA la ws for sharing someone 's medical information. I have no dealings with this company, nor have I signed any contract with them. If what they provided were mine, they are in violation of  HIPPA by  obtaining/purchasing medical information as a third party from a medical facility. Continuing to report false information about me is slander and I have no problem and will seek legal actions and punitive damages for the hardship this allege debt is causing me.
I purchased a vehicle from Carolina Finance in XXXX. Voluntarily surrender the Vehicle XXXX due to financial difficulties. My rep was XXXX. He agreed that I voluntarily surrender the vehicle which I did. 
He advised me the car would be auction off. the acct charge amt on my credit report is XXXX written off XXXX past due as of XXXX XXXX still reporting on my credit report. 
I contacted Carolina Finance on XXXX XXXX XXXX I spoke to rep XXXX in the XXXX branch she advised me after researching that there is no information in regards to me having an acct. XXXX transferred me to the XXXX branch, where I spoke to XXXX. Per XXXX there in nothing on file in regards to an account for me. she stated she was pulling up one Account with the name XXXX but social security did not match. I explained i was on my credit report she could not give me any other way to proceed about how she can help get this off my report with refusal to write the bureaus for me. XXXX XXXX XXXX
I was threaten by my case manager several times in the beginning of my debt being sold to this company. I was threaten over and over again. However, once I set up a payment plan with this collection agency Citi Bank continues to post on my credit report that they are not receiving a payment. Where is my money going? Why am I being threatened?
I have advised Transunion by letter and a marked up credit report of phone numbers and addresses that are not mine also phone numbers that have never been mine and phone numbers that were mine and are no longer active for me.They continue to send me reports without deleting the information. Please help : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have never been my address XXXX XXXX XXXX was my parents ' address and then my mother 's address never mine XXXX XXXX XXXX, XXXX XXXX, with zipcode XXXX is incorrect and has never been my address and I want them all removed XXXX, XXXX, XXXX, XXXX, XXXX have never been my phone number and I want them removed XXXX, XXXX, XXXX, XXXX my brother 's phone number, XXXX, XXXX, XXXX all of these were at some time my phone number but are no longer The only phone number that is mine and is current is XXXX They have been contacted at least twice by mail and have not corrected the report. 
Any assistance you can provide is appreciated. 
Many thanks.
My ex husband was a XXXX. He drove to work and parked on XXXX and XXXX XXXX and everyday he received a parking ticket. He hid everything from me, and when I found out I made him promise that he would pay it. When we separated in our separation agreement we noted that it was not my responsibility to pay the debt and that it was his responsibility. The agreement was signed and notarized, making it a legal document. He has not paid a cent toward the balance and it is on my credit. Because he legally took responsibility of the debt that he accrued in my car that was registered to my name, I would like to remove these infractions from my credit report. I have attached a unsigned copy of our separation agreement. If the signed XXXX is needed please advise me and I will have my attorney forward it to you.
I have a XXXX account that fell into collections for the amount of {$2100.00} due to a family tragedy. The original collection agency is Allied Collection Services located in XXXX XXXX. Allied Collection Services transferred or sold this debt to XXXX XXXX. 

I am currently working with XXXX XXXX to settle the debt. However, Allied is still reporting the transferred/sold debt to all three credit bureaus as if I still owe them the money. XXXX is also reporting the debt to all three credit bureaus. Therefore, I have ONE debt listed TWICE on my credit. 

I sent Allied a request to verify the amount owed. They did not respond. I sent XXXX XXXX a request to verify the amount owed. They responded and I am currently working with them to settle the debt. At this time I am requesting that Allied Collection Service delete the collection account listed under my social security number from all three credit bureaus, so I may continue working on an amicable solution with XXXX XXXX
I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.
XXXX XXXX XXXX contacted me in XX/XX/2018, i told them to stop calling me, i was disputing the debt. Now they call at least 7 times a day, from all different numbers. on XXXX-XXXX-18 i asked them, again, to stop calling me. The calls have only increased in number since them. They call from XXXX until XXXX, all day long.