WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I became aware that a creditor on a loan I recently paid off, XXXX XXXX XXXX XXXX, reported me 120+ days late on my Experian report. They also reported me late, not making a payment, and having a past due balance in XX/XX/XXXX. In XXXX they reported me 90 days late. This was a surprise to me, as I had a good payment history with this company and had paid the loan off early on XX/XX/XXXX. They had even sent me a Paid In Full letter on XX/XX/XXXX thanking me for being a good customer, having a positive payment history, and inviting me to apply for a loan in the future. I never received any communication from XXXX XXXX that anything was wrong with my account. My Experian report prior to XX/XX/XXXX reflected the accurate positive payment history I've always had with this creditor. On XX/XX/XXXX I mailed a dispute to Experian via Certified Mail Return Receipt requesting investigation into these errors. I sent a cover letter, a copy of my credit report with the errors circled, bank statements showing full on time payments for the months in question, bank statement showing the final early payment in XX/XX/XXXX, and a copy of the Paid In Full Letter from XXXX XXXX dated XX/XX/XXXX to support my request ( all uploaded for your review ). I just received the results of my investigation today XX/XX/XXXX via mail. The errors were only partially corrected, despite providing  documentation of my positive payment history, and negative information was added. The report now reflects Outcome-Updated : Status remained " Paid, Closed '', late monthly payments were changed in the Payment History to show XXXXCLS, and Recent Balance was was changed to " Not reported ''. The results from this investigation do not make logical sense. I made my XXXX payment on XX/XX/XXXX, my XXXX payment on XX/XX/XXXX and my final payment on XX/XX/XXXX ( which paid off the account ), but the Payment History shows 30 days past due in XXXX and 60 days past due in XXXX. I provided documentation of all these payments, and a XXXX balance, yet they remain on my report after the investigation and a {$0.00} balance is not reported. I do not understand how this information can be verified as accurate when I have provided upfront documentation demonstrating otherwise. Please help me make sense of this. I am a retired XXXX veteran living on XXXX ; my credit rating is essential to my quality of life. These changes Experian has " verified '' as accurate have destroyed my credit and negatively affect my quality of life. I respectfully request that your agency investigate this matter on my behalf. Thank you.
Since the breach my credit file at Equifax has been in complete disarray. I first complained to XXXX in XX/XX/XXXX regarding all of these Bankruptcies appearing on my credit report. They were removed except for the actual Bankruptcy that I filed on XX/XX/XXXX. Since XX/XX/XXXX all of the bankruptcies had reappeared on my credit report. I have attached the credit file and the letter from the company that they stated on the credit report that they received this bankruptcy information from. The letter states that they have deleted those bankruptcies and have communicated to Equifax to remove them but Equifax has not. 
Since my first complaint to XXXX my credit file had been moved to another customer care unit that has also re-inserted all previously removed fraudulent accounts back onto my credit file. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened fraudulently and I sent Equifax along with the other Credit Bureaus the FTC Affidavit and a police report. As stated before they were removed and when I complained to XXXX they were re-inserted and they refuse to remove them and now my credit report is being handled by a special unit in Equifax who blatantly refuses to investigate properly and remove the fraudulent accounts off of my credit report. 
Please remove the accounts and the bankruptcies and resend a new credit report.
JP Morgan Chase Bank, XXXX, OH XXXX, pulled my credit report without my authorization. I did not seek out a vehicle loan from Chase.
I previously submitted complaint XXXX regarding this issue but it was closed without my being allowed to dispute HSBC 's response. 

I submitted an application for an HSBC Advance account on XX/XX/XXXX. This was after I saw the terms and conditions of a bonus offer that stated I would receive a {$350.00} bonus if I deposited {$10000.00} into the account and maintained that balance for 90 days. The fine print stated I would not qualify if I had an account between XX/XX/XXXX and XX/XX/XXXX ( attachment # 1 ). I confirmed that day ( XX/XX/XXXX ) in an HSBC chat that my previous account had been closed on XX/XX/XXXX ( attachment # 2 ). 

Th account was then opened on XX/XX/XXXX and I maintained the {$10000.00} balance for well over the 3 months. I contacted HSBC via phone, chat, email several times and did not receive an actual substantive response until I filed my first complaint. 

That response indicated the terms I explained above were not posted until XX/XX/XXXX, a day after I applied. Per the representative, the terms in effect at the time of my application disqualified anyone having an account between XX/XX/XXXX and XX/XX/XXXX, which would disqualify me. 

However, I dispute this. While the PDF of the offer I saved was not date-stamped, I found a date-stamped {$750.00} HSBC offer from XX/XX/XXXX citing the XX/XX/XXXX through XX/XX/XXXX disqualification time period ( attachment # 3 ). I also would not have applied had the offer I applied for stated XX/XX/XXXX through XX/XX/XXXX. The fact that I still applied after confirming my previous account had been closed on XX/XX/XXXX is evidence of this. 

Regardless of HSBC 's claims, the terms at the time of my application did not cite the XX/XX/XXXX through XX/XX/XXXX disqualification period. It seems very possible that the terms were posted a few days earlier than intended but that is HSBC 's error, not mine. I followed all the instructions and met all the requirements at the time that I applied ( evidence attached ) and should be credited the {$350.00}.
There exists a policy among credit reporting agencies such as TransunionXXXX and even XXXX XXXX of reporting " hard inquiries '' in a negative manner. In 2015 I purchased a new car, my score was XXXX, so it was good. I wanted the best financing offer possible so I allowed the car dealership to " shop '' my loan to XXXX different places and accepted the best offer. However although those inquiries were all on the same date, same transaction I received XXXX hard inquiries which dropped my overall credit score XXXX XXXX XXXX points. Now, I know from talking to a CFPB rep that the credit agencies " say '' those inquiries do n't affect your score, that 's not true. Consumers should be allowed to choose the best financing they can get, without being punished on their credit reports. I disputed the inquiries with reporting agencies, but the disputes were denied because they actually happened, those inquiries did take place. So I was punished for trying to shop the market. I have printed reports showing those inquiries as being numbered, printed by name and date and listed as a " credit factor '' on my actual credit reports, so the reporting companies either did n't want to understand the question when CFPB asked the question, or they lied when they told CFPB that inquiries do n't affect your own credit report. I do n't believe that XXXX intended the public to be " pushed '' in only XXXX direction when trying to obtain credit and punished for trying to shop their own credit information.
Good Afternoon, My complaint is with Wells Fargo Bank and payment recording policies on XXXX. During the last ( XXXX ) years I have paid from the same Bank ( non Wells Fargo ) never late ; However, when I pay my balance in full they apply a hold on the account. Most recently, on XXXX XXXX I paid {$3300.00}, which posted from my XXXX financial account on XXXX XXXX 2015 ; consequently ; As of XXXX my founds are still on hold while Wells verifies my account. As mentioned this is the third time I have been declined at time of purchase to make aware of issue. I believe further investigation will show my average daily balance and interest may be affected and if this practice is policy for millions of customers, this is unfair. I have previously had XXXX XXXX XXXX information verifying this is my account. I have asked Wells to state what amount triggers the Hold and I was informed they can not disclose. So basically, they pick and choose which payments go on Hold and post in XXXX hours. I made other payments from the same account in XXXX that have posted. My funds were deducted on XXXX days ago and unavailable. Please assist.
Credit card company transferred a charge from a previously closed account to a new account without our authorization. ( The supplier had been authorized on the previous account. )
I would like to file a complaint against BBVA Compass Bank for taking an application that was never going to be approved based on a policy that they do n't disclose when taking applications for credit cards. I applied for a credit card when I already had 1 and the limit is only 1 but I did n't find out at the time the application was taken and was not told they only allow their customers to have 1 card. The person taking my application did not inform me and knew at the time I had one but proceeded to process it knowing I was not going to be approved. I fee that I should have been informed of the policy at the time of the application so that I would not have wasted my time or a pull on my credit. I think that is deceptive.
XXXX recovery {$1800.00} Was close and pay off As of XX/XX/2018 They remove from my credit report then now back in XX/XX/2018 they add it back into my report from all three reporting companies
I bought a car in XXXX XXXX with excellent credit. On XXXX XXXX I went purchase another vehicle and found out I owe a medical bill to Ability Recovery Service LLC. This was placed on my credit on XXXX of XXXX. I have sent a letter to Ability Recovery Service and faxed a letter to them on XXXX XXXX have called XXXX XXXX XXXX on this matter and they said the bill was paid due to a medical era. I am exercising my right under the FDCPA to dispute the alleged account and demand Validation. I am attaching you the letter I send Ability Recovery Service and their response.
On XXXX/XXXX/16, I purchased a voucher from XXXX for {$35.00} using my Capital One Venture card ending in XXXX to clean my air ducts. I redeemed my voucher before the expiration period ( redeemed around XXXX/XXXX/16, expired on or around XXXX/XXXX/16 ). The merchant, XXXX XXXX XXXX XXXX, was not able to get a rep out until XXXX/XXXX/16, after the expiration of the voucher. The rep advised that they could not clean my air ducts because my AC unit was in the ceiling. 

I called XXXX XXXX XXXX XXXX, who said that they can not redeem the {$35.00}, and to contact XXXX. So I called XXXX, who has said that the voucher has expired and the money was sent to XXXX XXXX XXXX XXXX, and to call them. I submitted a XXXX complaint with Living Social, and still got nowhere, and was told to contact XXXX XXXX XXXX XXXX. This is where it gets comical ... so today,XX/XX/2016, I three-way called both XXXX and XXXX - they literally were yelling at each other over who was going to refund me the {$35.00}. They both acknowledged that the service was left unrendered, and that I was owed money. At the end of the call, XXXX XXXX XXXX XXXX advised that they would " unredeem '' the voucher and XXXX said once that is done, they will refund my {$35.00}. So ... wait for it ... I waited 2 hours, called XXXX back, and they refused to refund me the {$35.00} because it expired XXXX/XXXX/16. 

I literally can not make this story up - this is a true story and a valid dispute. I was conned out of {$35.00} and these XXXX companies will not work together to refund me the money. 

I am sorry that I am submitting a complaint to Capital One and disputing this charge, but this is the last resort I have before contacting my attorney. I understand that this is increasing your complaint volume, but I would really appreciate it if you can do the right thing here and help me.
During a one day trip to XXXX XXXX, CA on XX/XX/2018, after making my first purchase, my debit card was immediately put into fraud alert and cut-off from use. Though I was assured by at least 10-12 customer service and fraud representatives that my account was " fine '', the card was never re-activated until 5 hours later. I am writing to inquire about the legalities of importing a travel code onto my debit card ( without ever informing me that I needed one ) and deactivating my account at a moment 's notice because of suspected fraud and what seems to be a loose, unstructured fraud protocol.I have attached a copy of my correspondence to US Bank detailing the ordeal. Thank you.
I did n't authorize XXXX to check my credit history but they did. I do n't know how they did since I even did n't provide my SSN.
On XXXX/XXXX/15 I received the following offer from my Paypal MasterCard : " The choice is yours this holiday season -- Earn a {$25.00} e-gift card when you spend {$75.00} or more with your PayPal Extras MasterCard ( R ) now through XXXX XXXX, 2015. * ( Maximum of XXXX {$25.00} e-gift card can be earned. ) " I activated the offer & charged $ XXXX+ on my credit card the following day. On XXXX/XXXX/15 I contacted their customer support via email asking when I could expect to receive my e-gift card. First they requested that I forward the email to them with the offer, then they requested I copy & paste the offer in an message to them. After 5 back & forth messages, they told me that I had to call their customer support phone number. Each message from them was from a different person, never the same one twice. I call the phone number I was referred to & after more than 30 minutes, I was told that I had to be transferred to someone else. After another XXXX minutes & telling my story again, I was told that the first person should have helped me & was transferred back. At this point, I told the rep to cancel my credit card & not to send me any further correspondence other than resolving this matter. After nearly 45 minutes with the next rep, I was told that because I had cancelled my credit card, I was no longer eligible for this offer!
Since XX/XX/XXXX when I received a copy of my credit report I noticed I have a XXXX account sent to collections for an account #, phone # & debt amount {$660.00} I never knew about or have had, I tried to contact XXXXS financial dept, fraud dept, etc. & keep getting transferred from one department to another & getting the run around on this matter. I have had my current account # & phone number since I first received my services with XXXX XXXX in XX/XX/XXXX nothing has ever changed/added to my account it has been the same since. I have all my bills since when I first got services with XXXX XXXX on the same account # & phone # not once did I receive a payment with that other account I never had any knowledge of.
i got a collection letter from First National Collection Inc. They say i owe a debt from XXXX XXXX of {$240.00} from back in 2007. i have contacted XXXX and they have no record of me having an account with them. I contacted First National about the issue and both the people i spoke with were extremely rude. i explained to them that i had never had an account with XXXX XXXX and that i contacted XXXX and they have no record they told me that they wont because they sold the debt. I informed them that they would have record because the are obligated to. They reluctantly said that they will file a dispute and i was waiting on hold and than the supervisor hung up the phone on me. i called back and she said that there was nothing else and since i think i know everything that is why she hung up. when i asked for any info on the account all she gave me was the date when they bought it and the addresses they had on file and wouldnt give me any other info.
We have a second mortgage with Wells Fargo. Because home equity lines are lower than the 8.99 % we pay now a caller from Wells Fargo suggested we apply for a home equity line and payoff the second mortgage. We did and asked for {$11000.00} additional to do some work on our home. I had secured a hardest hit loan from Kentucky which was honored 6 weeks ago. I received a call just now and was told that Wells Fargo treats Hardest Hit loans like foreclosures and that 's the reason we were turned downed.. This is just not right. We got the hardest hit loan to avoid foreclosure and now find it is treated like a foreclosure even though it saved Wells Fargo XXXX dollars. Had we been foreclosed on Wells Fargo would have lost all the balance of their loan as they were 2nd lien holder.
I financed a vehicle through AFS on XXXX/XXXX/2014, with a loan agreement of {$13000.00} owed at a 19.95 % finance rate. I made 16 payments on this vehicle, totaling close to {$7000.00}, and was in a car accident and the vehicle was totaled. My insurance company paid AFS {$10000.00}, making the total amount paid on this loan over {$21000.00}, with it being reported that over {$6500.00} was paid towards interest. I paid off this vehicle in 16 months when it was a 50 month loan and it specifically states in the documentation that there is no penalty for paying off the vehicle sooner. Given the fact that I made payments of {$400.00} each month, for 16 months always on time and the total paid by my insurance company being over {$10000.00}, AFS charged me a finance percentage rate of nearly 50 %, when it should have stayed the 19.95 per our contract. I am owed at least {$3500.00} according to their own record keeping and contracts I had signed when purchasing the car.
This letter is a formal complaint that XXXX XXXX XXXX XXXX is reporting inaccurate and incomplete credit information.. Credit reporting laws ensure that bureaus report on only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts posted on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. I called XXXX after being transferred four times because no one could find an account, I was transferred to a XXXX, who advised me that she couldnt pull up the account but put me on hold and advised me that the account was transferred to a debt collection agency by the name of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX, I was told that I needed to contact them to get a copy of this account. I spoke with a XXXX XXXX and advised her of the dispute that this account should be closed due to the merchandise was returned. XXXX XXXX advised me that she was showing an original balance of {$620.00}, I advised her that this is incorrect, the XXXX was returned and the amount was only {$390.00} plus prior to returning it I made a payment of {$30.00}. XXXX XXXX advised me that she was showing the amount was over {$620.00}, I requested that she send me a copy of the transactions. ( see attached documents ) She agreed, and I received the transaction showing incorrect dates, incorrect return dates and a credit for {$390.00}. I am showing a balance of {$440.00} and a lot of other charges which it doesnt list what it was for and showing a return date of XX/XX/XXXX which, it was incorrect, the correct month was in XX/XX/XXXX. I wasnt credited any finance charges from the sales, which I should have been credited, so it seems that XXXX was charging me late fees on their error. This should have been a XXXX balance. After going over the Transaction Summary, I called XXXX XXXX back and advised her that I received the transaction and that the information is incorrect. I advised her that I am showing a bunch of transactions on this account for only an XXXX ordered and the transactions do not have any descriptions. I was advised that I needed to contact XXXX and let them explain it, I advised her that XXXX advised me that they couldnt pull up the account after it is turned over to a collection agency and I needed to speak to the collection agency. XXXX XXXX advised me that she didnt know why they told me this because they have nothing to do with the product or the order summary. I advised XXXX with XXXX and kept asking him who TransUnion spoke with to verify this account because neither XXXX nor XXXX XXXX XXXX XXXX XXXX XXXX knows anything about this account, but I keep getting notices from the Credit Bureau that the creditor advised that the account is accurate and the account is still showing a charge off and I don't even have the merchandise.
Premier Recovery Group ( also call themselves PRG ) call me at least once a day telling me I owe them money for a payday loan I supposedly took out. They continue to call me from several different numbers and say they will mail me validation of debt which never comes. This has been going on for at least 90 days now/
On XX/XX/2018, and XX/XX/2018 I certified mailed your company a letter to validate and confirm verification of this debt and its inaccurate reporting on my credit file, XXXX has failed to respond within 30 days. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. 

In addition, XXXX you are reporting Acct # XXXX on my credit file but then forward me letters with a different account number # XXXX. All are inaccurate. 

Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is 100 % correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly and belong to PRA, LLC. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Used my card for a vending machine and was charged over 150.00 in overdraft charges. When I called to help resolve the complaint and explain that I am a XXXX XXXX and do not have XXXX dollars to pay for overdraft fees, they said they could not do anything and would have to take me to collections over the charges. When tried asking for a payment plan, they denied the option and said they would not work with me. I proceeded to ask for a representative who could help and they said it was BBT policy. I am a XXXX XXXX that is not able to pay that much in overdrafts and still be able to pay bills. BBT will not work with me in this situation.
Says I lived in XXXX. I 've Never in my life lived there. I 'm born, raised, and still a XXXX female. 
Please remove that XXXX address. 
Thank you.