WillisBack/dataset-financial-user-claim huggingface dataset:
AMERICAN EXPRESS has reported negative remarks on my Credit Report regarding a pending debt. I have not been presented with some practical solutions to resolve this issue.
Discover claims my payments for their XXXX accounts with them were each 1 day late last month. They raised the amount of my payment on each, charged a late fee on each, and increased my interest rates on each. I filed a complaint with the BBB of the area, and requested contact be made via mail, but Discover started to bombard my home with phone calls. The XXXX time they called, I was out getting groceries and they spoke to my husband, which is against the law. His name is not on my accounts. I mailed my payments in plenty of time for them to get to them, and paid more than the minimum payment due on each! It so happens there was 1 day the mail did not run in XXXX, due to the winter storm, and if in fact the payments did not make it in time, that is most likely why. I have no control over the weather, or when the post office might close, but truthfully, I believe the payments got there, and they set them aside so they could claim late payments. It would n't be the XXXX time they have done this to me. I mailed their payments 6 days before the due date. They usually receive them within 4 days of the time I mail them, so something fishy is going on here. They are ringing my phone off the hook, and refuse to make it right, even after the BBB complaint. They have already called XXXX times today alone, and I know they will call more. I have documentation.
In XXXX XXXX 2014 I was living with my cousin at the time and she got some cable. I didnt know she used my information to get the cable. Now a collection agency is asking for money from me that I dont even owe. They told me to call all these numbers but every number I called sent me to someone else and I got the runaway. I want to know what I need to do to get this taken care of.
XX/XX/XXXX - sent letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history XX/XX/XXXX - send 2nd letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history Both instances where letter was sent, the only response I received was " verified ''. 

Currently that is the only response i received from anyone regarding my issue since XX/XX/XXXX.
The Transunion Website is down due to the XXXX Credit Breach and when I requested free credit report from XXXX Transunion website indicated they were " experiencing heavy volumes due to the XXXX Breach ''. 

I requested my credit report on the Transunion Website and was charged {$21.00} to my credit card account. 

I want to be refunded the {$21.00} since the only way during this emergency was to use their credit report service on their website. I believe they are fraudulently hiding their credit reports from consumers and that is why XXXX was unable to provide the legally required FREE annual credit report.
Furthermore, they did not indicate my account would be charged to get my credit report.
I live in New York State.
I want to be refunded my {$21.00}. 

I have attached a screenshot showing the Transunion Website authorization through XXXX was down and have attached a copy of the {$21.00} highlighted on my bank account statement.
I recently set up an account on VENMO and have done a couple of small transactions between $ XXXX {$100.00}. Then two days ago, i had a payment that was being sent to me for {$2800.00}. I accepted the payment and attempted to transfer the funds, but then received an email from VENMO that said the following " Your Venmo account has been suspended due to recent activity that appears to be a violation of our User Agreement. If you would like to reactivate your account, please reply to this email with a picture of your unexpired US government issued photo identification to begin the review. '' I had no idea what the issue was, but sent a picture of my ID immediately. Then I called them and tried to find out what was going on and spoke to a CSR who informed me that they could not see any details on my account, that it had to be handled by an " account specialist '' and that they would be back in touch within 3-5 business days! I asked to speak to the account specialist, but they said they do n't have phones, and only correspond via email. I could n't believe it and pushed to speak to a mgr and after being on hold for over 30 minutes, a mgr came on the phone and said that they would expedite my request to the account specialist and would ask that they contact me. I waited all day and then at XXXX last night, received an email stating that they could not resolve the issue because " I had not sent a copy of my bank statement '' No one had told me or asked for my bank statement in their previous communique and to be honest, I do not feel comfortable sending it. I then went online and did some research and saw hundreds of complaints posted saying that VENMO kept their money and never gave it back and the amounts all ranged around {$2500.00}. They talked about the same issues i was dealing with, with no answers, no way to reach anyone that could assist and no resolution. I now suspect that what they do is " flag '' any transaction that is in that {$2500.00} range and use any excuse to hold the funds. Imagine if they are doing this to millions of people? 

If they have some kind of rule that is violated ( unbeknownst to the parties involved ), why not stop the transaction, not accept the funds and let the two parties involved know that it wo n't be going through? Instead what they do is TAKE the money, and then hold it in their accounts and not give it back to the person that paid the funds nor do they give it to the person that is owed the money. That seems highly illegal. 

I would appreciate your assistance in helping me get this resolved. Not just for me, but I believe there could be a major scam going on here, with millions of people using VENMO and it needs to be brought to light. 
thank you, XXXX XXXX
I fell behind on my mortgage in XXXX XXXX when I was off work due to my back injury. I applied for loss mitigation in XXXX XXXX. I went back to work in XXXX XXXX as well. I was approved for a trial modification. I faxed the final documents back to Wells Fargo in XXXX XXXX and began making the trial payments. I made trial period payments in XXXX XXXX and XXXX XXXX. In mid XXXX, I received a letter from Wells Fargo stating that they never received the signed modification documents and that I was being removed from the trial modification program. Up until this point I did not realize that Wells Fargo did not receive the documents I sent. When I called Wells Fargo to clear up this mistake, I was told the only option I have is to reinstate the loan. Wells Fargo scheduled a foreclosure sale for XXXX XXXX, XXXX.
I disputed a Collection Account with Portfolio Recovery that they say they sent me a letter in 2015 advising me of this debt, I would like a copy of the contract that I am suppose to have with XXXX  XXXX in reference to this invalid debt. Portfolio has not provided me with anything but a 6 year old collection letter fro XXXX XXXX, which I also did not receive from them. I would like a copy of the agreement that is authorizing Portfolio Recovery to collect this account and a copy of the documentation showing this account was sold to them and how much they paid.If the original creditor sold a debt to a collection agency, they also wrote off your debt on their taxes which wrote off your obligation to pay. As I still dispute this debt, and Portfolio can not get the documentation required to Validate and or verify this debt, and send me copies of such information, if the debt was mine, I still would not pay it as it does not exist, so why would I pay a debt that can not be proven?
Equifax is reporting a large number of inquiries on my credit report that has not been authorized by me. Most of which has occurred recently. Inquiries were being fraudulently placed on my credit file. I did not authorize the following inquiries : XXXX ; XX/XX/XXXX, XXXX XXXX ; XX/XX/XXXX , XXXX XXXX XXXX ; XX/XX/XXXX, XXXX ; XX/XX/XXXX, XXXX XXXX XXXX ; XX/XX/XXXX, XXXX ; XX/XX/XXXX, XXXX XXXX ; XX/XX/XXXX,
During the week of XX/XX/XXXX, I made a purchase on XXXX mistakenly using the wrong card ( debit card ). This was for ~ {$1400.00}. I immediately cancelled the transaction, received notice that a refund was processed, and called the bank to avoid an overdraft scenario. US Bank informed me that it would be no problem whatsoever. I was relieved. By that Friday XX/XX/2018, my bank account had adjusted, the charge was removed, and relevant OD charge was also removed. Great, I have a positive balance in my account, and it reflects this online on Friday, and over the weekend. However, on Monday, XX/XX/XXXX, the charge has re-emerged, and is charged first before several bills that are set to be removed from my account. The first thing I did was transfer money to compensate for the bills. On Tuesday, when everything adjusts again. I am left with 3x {$36.00} OD fees, and a reversed {$1400.00} transaction, leaving me overdrawn by {$80.00}. They purposely manipulated my transaction history, re-applying an already reversed charge in order to justify charging my erroneous OD fees. The only reason Im at a negative {$80.00} balance is from {$100.00} in OD fees. This is deceptive and cruel.
Called XXXX XXXX 2018 to close account since I have paid {$2500.00} + financed fees of $ 4000+. Interest 135 %. They lower interest and monthly still owe {$6000.00}.
I requested validation and a copy of the signed contract for a debt listed on my credit file. The company responded with we are unable to grant your request and provided a payment history but not the initial signed contract and stated they are reporting the information accurately. This is not accurate and I think if a company is listing a debt against you they should be able to provide validation. Please help
I have a Bank of America credit card with a credit limit of {$500.00}. I pay my account every month and have been paying down more than 90 % of the balance every month. For my XX/XX/XXXX statement my balance was {$22.00}, this was reported to the credit bureaus around that time to reflect that balance. I then receive ( on XX/XX/XXXX ) an credit alert that BOFA is now reporting my balance as {$480.00}. I call BOFA and they tell me they are sending a dispute to XXXX, I then receive another alert from he other credit bureaus that the same balance has beeen reported on XX/XX/XXXX. Icall BOFA again and I 'm told they report randomly to the credit bureaus throughout the month- which is a inaccurate statement, they will investigate and let me know. This has cause my credit score to dget op 44 points across all my credit reports and is financially affecting me- since I was suppose to close on my mortgage this week.
I disputed a collection account thats reporting on my credit report. The agency said they have deleted the account but XXXX  and TransUnion refuses to remove the collection account off my credit report. That is a violation and needs to be investigated. I have proof that the agency deleted the account. XXXX   removed the account but TransUnion says they wont remove it but it is a valid account. XXXX  said the same thing even though the agency deleted it so it shouldnt be reporting.
I believe in the month of  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , De  XXXX   XXXX  this company had an inquiry on my credit report that I did not authorize.an illegal inquiry.
The company stated on my request which is Case Number XXXX that a report will be mailed to me on XXXX XXXX, 2015 but I never received the report. I am requesting the report be mailed to me so I can dispute items that are not correct.
Dear Sir/MadamOn XX/XX/XXXX very late in the afternoon, I had a conversation with XXXX XXXX, a representative of Wells Fargo. Based on the conversation, she instructed me to submit a letter of employment in Georgia and a letter stated that the house was not rented XX/XX/XXXX/ The last XXXX documents will help my case before HUD for the modification. On XX/XX/XXXX I faxed the statement letter and my attorney sent the letter of Employment on XXXX. The same week, I received a phone called to submit new information. Then I knew the house was in foreclosure and the sale date was XXXX All my paper work was submitted before the sale date. I was in compliance with their demand. and an appeal form to cancel the sale was ignored. 
Since the sale, XXXX XXXX has requested the sale to be rescinded. While in the process, a real estate company came to the house and changed my locks, I have no access to the house right now. This is a wrongful eviction without any notice. All utilities are on, yard and bushes are cut, and the company can not say the house was vacant.. 
This action is the power of a bank which does not have check and balance. It is discrimination without regard to Federal and State Laws, Therefore, Wells Fargo ignored all laws that govern this country while I was waiting for an answer., It has been reported with proof that Wells Fargo foreclosed XXXX properties in Georgia by denying them due process. My case is one of them. I will retain a lawyer to pursue my case. 


Best Regards, XXXX XXXX % XXXX
Recorded message that I am a " person of interest '' and that I or my legal representative must contact them immediately about a time sensitive matter. Internet search implies this phone number is from " Highpoint Asset '' as a debt collection company. This is a scam call and I am blocking this number.
In XXXX XXXX, all my student loan accounts with XXXX. of XXXXt were brought back current, positive reporting, and deferred until XXXX XXXX. Experian is showing those accounts double on my credit report, in negative and standing and good standing. I called the XXXX. of XXXX and was told that these accounts should be showing current. XXXX had submitted what they needed to fix credit reporting. I have written in to Experian about the issue back in XXXX and the delinquent reports are still showing. Status in both areas for these XXXX accounts are showing transferred, closed/neverlate. The other XXXX accounts are showing open/neverlate. Deferred, payments begin XXXX XXXX. I called XXXX on XXXX/XXXX/XXXX and they stated that my credit reporting was approved and changed in the system in XXXX XXXX.
At the start of my first lease through XXXX XXXX, the sales manager who guided me through the process gave me a few pieces of information that I later learned were untrue : ( 1 ) " There is no leasing company. '' I clarified by asking whether this meant that all their leases were internal, and he confirmed that they were. They 're not.
( 2 ) " You 'll never need to buy tires for this car. '' He told me this as he was handing me the coupon book for my maintenance agreement. You can imagine my surprise when I brought the car in a couple years later with worn out tires and discovered that they were charging me for the new ones.
( 3 ) " Overage miles are {$0.00} per mile, but you only pay that if you walk away. If you sign up for a new lease, they usually waive that for you. '' He went on to talk me into upgrading to XXXX, to cover any repairs that might be needed. " Do you plan to keep leasing? '' he asked. Then with XXXX, he explained, I would n't have to worry about any fees at the end of my lease. 

The first two times I learned that what XXXX told me was wrong, I let it go, willing to assume that he meant well and must have been mistaken. But, each " mistake '' has been significantly more expensive than the last. The overage fees came up two days after I 'd upgraded to a new lease ( XX/XX/XXXX ). The salesman for this new lease ( not XXXX ) texted me ( on XX/XX/XXXX ) and told me that " the new car deal is n't complete without closing out the old car, '' which meant paying overage fees and wear and tear, which XXXX 's employee, XXXX, had specifically told me not to worry about. This new salesman pressured me to pay these fees within the next couple of days, even though I had not yet received the inspection report detailing what repairs the wear and care fees included. 

I went up the chain and ended up talking with XXXX XXXX ( who I was later told was the owner ) the next day ( XX/XX/XXXX ). I explained that their salesman had put me in a bind by setting me up to be completely shocked by thousands of dollars in charges. He was completely unapologetic and unwilling to take responsibility for his employee 's XXXX up. I even offered to meet him halfway on these fees and split the costs with XX/XX/XXXX. He refused, saying that he would be " generous '' enough to pay one-quarter. 

I told XXXX that I could n't afford that much on such short notice. I added that the salesman on the new lease had let me know that the deal was not finalized until these fees were paid, and that I did not want to move forward under these terms : I told him to stop the deal. The next day XXXX called me back and told me that the deal had been finalized.
i have on three occasions sent equifax and XXXX a POLICE REPORT AND IDENTITY THEFT REPORT TO HAVE THIS ACCOUNT XXXX CARD BLOCKED FROM APPEARING ON MY CREDIT REPORT, it is not my account XXXX bas permanent ly blocked it an deception even called XXXX and has a recorded conversation from a XXXX in fraud validating it was fraud the application provided fraud not me and equifax was notified by XXXX, i have called about 4 times a day for a month to have this escalated and i have been yessed and mis informed and my fraud statement called and gave never apearred on my account that i was a victim of fraud and was never late the XXXX account appearing on my equifax report is n't mine. Well equifax after numerous calls for months is breaking my rights .The clause and statements not on my report. Then i went and got an new police report because this discover account every time i dispute it or XXXX XXXX i hired dispute in it comes off and next month right back on I 'm its and I want my legal right s validated. Equifx has two legal identity theft reports on file with police report and I WANT THE FILE XXXX BLOCKED FROM MY CREDIT REPORT. No 81-Month Payment Data available for display. XXXX XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} 120+ DAYS PAST DUE {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX, DE-XXXX ( XXXX ) XXXX and XXXX police reports and identity theft reports is with equifax for months. Equifax said they accepted my reports but had to wait for the dispute process to e over to override the computer but still no nothing.
Following Payment in full of this account in XX/XX/XXXX - I have requested multiple times a final official credit card statement. The XX/XX/XXXX statement provided to consumer by Capital One Bank, NA shows a balance of XXXX. For accounting purposes, the account should have generated a final statement reflecting the current PAID IN FULL XXXX BALANCE. I request the statements from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Capital One Bank, NA online profile indicates that a statement did cut for those statement cycle dates. However, these statements were not provided to consumer and remain disabled/blocked unable to be viewed online by both Capital One customer service representatives and consumer. 

Additionally, I request clarification as to why under the XX/XX/XXXX statements a duplicate statement for XX/XX/XXXX is shown.
XXXX XXXX was tasked with comparing and contrasting XXXX reports. XXXX XXXX CONFIRMED IN WRITING that it failed to compare and contrast the XXXX reports. 

Upon receipt of the very first fraudulent bill, XXXX XXXX headquarters was called. A XXXX representative stated that the fraudulent bill would never be sent again and that the fraudulent balance would be brought to {$0.00}. 

Subsequently, CMRE delivered a collection notice on the fraudulent account XX/XX/2018. On the very day that fraudulent notice was received, a dispute was delivered to CMRE via both mail and fax. On XX/XX/2018, CMRE ignored that dispute, failed to even attempt to validate the fraudulent claim made by XXXX XXXX and attempted to collect on the fraudulent claim. 

This illegal tactic was again attempted on XX/XX/2018, when I phoned CMRE to remind the company that it failed to validate the fraudulent claim made by XXXX XXXX. During that call, I notified the collector that this complaint would be filed. His response was " Do what you have to do. ''
Today I received a call from this collection agency regarding an alledged debt. When i first answered the call, the representative told me that he works for a legal department and they were taking action against XXXX and they needed to speak with her. The representativr then told me I needed to pay XXXX or else I wouls be going to court. I told him I knew nothing of the debt and I wanted to dispute their claim and have them validate this debt. I was told no that i coukd not dispute since they had my information and that the attorney who they work for was going to take me to.court. I had no idea what this debt is.
on XXXX/2017 this company published a derogatory mark on all 3 of my credit reports, I have never heard of this company, or, received anything from this company, it just appeared on all 3 of my reports. I do not have a/nor have I ever, had a contract with this compay, or, gave permission to this company to access my information, or, post anything on my credit report. I want proof of my wet siganture and me giving permission to this company accessing my information.
Called the company on XX/XX/XXXX to get an extension on the loan, was told everything would go through just fine, submitted the request to continue with no payment. Received a call that it was denied because we had yet to make six payments. Called company back XX/XX/XXXX to see what was going on. Said that we had yet to make six payments so we were unable to receive extension, did inform the agent spoken to that we had made six payments and that was confirmed by the previous agent. Said that with the payment that was recently made we were at six payments, tried to schedule another extension, once again being told that we can do that without having to pay XXXX to continue with the extension, was told that I would receive a call when that was approved. Waited until XX/XX/XXXX and still received no call. I called company to get the updates on the extension and was told it was denied yet again because of not making six payments, informed the agent spoken to that I was told that was not the case. Asked to speak to a supervisor was on hold for over 7 minutes and never transferred to supervisor, instead I was hung up on. I called back right away and talked to a gentlemen representative and was told that we could process that request and we could only do it with a payment. Had I been told that from the beginning I would have just made the payment to get this going. I do not believe I should be told inaccurate information more than three times.
I was sued without any notice with a debt collection from Capital One. The debt was several years old. I came to work one day to see a garnishment on my pay stub that put me in to a pretty bad financial situation. I had tried to work with the settlement attorney to see if any other arrangements could be made, but they would not hear or accept my offers. 

After this went on for a few months, I got a call from the settlement attorney telling me about great settlement offers. I contacted my payroll department at work to find out the garnishment was revoked due to an incorrect filing. My payroll department did not release any funds to the attorney from the garnishment, and will be returning the funds back to me. I had called the settlement attorney to let them know this information. They refused to give me an amount to pay off the settlement, and are wanting me to attempt to set the offer amount in a timely fashion.