WillisBack/dataset-financial-user-claim huggingface dataset:
This bill has always come and always been in my mothers name. I was an authorized user on the account so that I could pick up my mothers diapers and other living needs while she was under medical care. My mother passed away on XX/XX/2018. I still have her last bill that was mailed out for payment with just her name listed for the account holder. I called this company to advise them of her passing so they could close the card. Once that happened I personally started getting collection letters and phone calls to pay the balance owed on her card. I explained to them that I was only an authorized user and that they would have to wait for her estate to be settled. The company kept calling me about payment and I asked them why they were contacting me about this bill and they insisted I was a joint co-owner on the account. On XX/XX/XXXX I asked them on the phone to research this because I was only an authorized user. They said that they would hold off on collection calls for 10 days while they researched it and get back to me. I knew that I needed proof of this request and that by doing it over the phone I had not proof I sent them a letter requesting verification of liability for the debt and I faxed it to them ( retaining the fax confirmation for proof of receipt ). I never heard anything during that 10 days but on the 10th day, XX/XX/XXXX at XXXX, I received a collection call from them to pay the bill. They still had no further information to prove that I was a joint owner on the account. Each time I would talk to a representative on the phone, they would never have an answer for me. On XX/XX/XXXX XXXX they mailed me a letter that requested payment again which I received at my home on XX/XX/XXXX. I promptly replied with a phone call, which they told me that they did not have a way to contact the dispute department at their company and that I had to fax or mail in my birth certificate and social security card so that they could verify my identity. I was not comfortable sending them in my confidential information so the lady told me my only option was dispute the client with the credit boroughs. So on XXXX I mailed and faxed them ( keeping that fax confirmation for delivery receipt ) another letter advising them that I was not responsible for this debt, I never authorized to be a joint owner, and that according to the Fair Debt Collection Practices Act ( FDCPA ) and in the letter I sent them 30 days prior that requesting verification of liability of the debt, that I needed them to correct this, remove the item off my credit report and remove any derogatory comments on my credit report. I was in the process of doing a home refinance and their negative reporting was impacting my ability to obtain a better credit rating and standing. As of XX/XX/2018 I still have received no communication or follow up on my request for verification of liability and they have completely ignored my inquiry and requests for verification. They continue to call me for payment and report negative and derogatory notations on my credit.
my dad had XXXX XXXX XX/XX/XXXX.XXXX has continued to bill him even though I paid a {$220.00} copay and XXXX paid a {$180.00} copay.It has gone to collections wrongly. XXXX XXXX was paid in full in the amount of {$800.00} because I did not know there was an ambulance benefit.XXXX now says the debt is settled.XXXX XXXX also never made a claim with XXXX, probably because they liked my payment of the balance than a copay from XXXX. I have copies of all the bills and payments.I feel like they are targeting seniors. I wish they would get audited to prove me wrong. I find it hard to believe we are the only ones they are doing this to.
I have not had a contract with  XXXX . The Debt is not mines. the creditors continue to remove the debt and then reinsert it back on my credit with a new date
have sensless information reporting on my credit thats not mones. student loan collection??? I need this removed from my credit.I feel the goverment dosent care about people and someone used my information h=getting this credit in my name I need it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$860.00} Past Due {$860.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Unknown Account Name XXXX XXXX XXXX Account # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX   Potentially Negative Closed Account Name XXXX XXXX XXXX   Account # XXXX Account Type Bank Credit Cards OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX  Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX Account # XXXX  Account Type Student Loans Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX XXXX Account # XXXX   Account Type Other Collection Agencies Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX  Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  Account # XXXX  Account Type Federal Government Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Paid, was a collection account, insurance claim or government claim or was terminated for default XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX   Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX  XXXX Account Type All Banks Banks and S & Ls Balance {$860.00} {$860.00} Past Due {$860.00} {$860.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX   XXXX Account # XXXX Account Type Factoring Data Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX   Account Type Federal Government Balance {$0.00} {$0.00} Past Due {$0.00} {$0.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Payment Status High Balance {$2600.00} {$4000.00} Limit {$0.00} {$0.00} Terms P 36M 036 Months Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Type Collection services Balance {$2600.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Mo. Payment {$0.00} Payment Status High Balance {$0.00} Limit {$0.00}
Around XXXX XXXX Citibank began charging me a penalty interest rate because I had been late on a payment. This was at a time when I was in a financial hardship because of a job loss. It is now XXXX XXXX and I am still being charged a penalty interest rate on part of my balance. Citibank has not made any effort to return my interest rate to the original rate. This should have been done after I made " timely payments for six months '' and yet it has now been at least two years according to my review of past statements. 
When I called Citibank customer service to ask about the rate being lowered I was told that " it does not qualify '' to be lowered. I do not know what that means. This is the same way I was treated by Citibank on my other credit card with Citibank. Only after filing a complaint XXXX with the CFPB did Citibank decide to lower the interest rate back to its original rate. That was in XXXX XXXX. 
Based on Citibank 's conduct, which has now been repeated on not one, but TWO accounts, it certainly seems that they are intentionally keeping the interest rate higher even though my account has been in good standing.
I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX. and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX/ XXXX XXXX accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX/ XXXX XXXX reneged on our agreement and continued to allow the inaccurate information to be reported by XXXX XXXX and XXXX XXXX  companies, which consisted of duplicate accounts with different account numbers. 

1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. 
I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX  to handle this account # XXXX. 
I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Letters Provided*** 3.XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Letters Provided***
I made a payment to my Ally XXXX Credit card on XXXX XXXX of {$470.00} from my Ally Checking to make a ZERO Balance. With no authorization, Ally XXXX XXXX made a withdrawal from my checking account of {$470.00} leaving me a credit balance of the same. I have spoke to them on XXXX XXXX and today, but they can not inform me when they can return the XXXX payment to me checking account. I have closed the account with tne.
Equifax credit reporting agency negligently handled sensitive personal information, and further withheld details of the incident for an improper period of time.
My wife and I have been subject to family credit card abuse. In   XXXX    2016 my wife allowed our daughter to use our Discover card for 2 rent payments. Our daughter and our estranged son-in-law used that card for other purposes, and when my wife canceled it, they originated a Discover card of their own with my wifes info and had it mailed to themselves and then they made thousands of dollars of   XXXX   XXXX    purchases, cash advances, etc. We have cancelled the Discover card at least 3 times to stop this abuse. We have filed the required Police report. We have talked to Discover over 20 times, for probably over 30 hours and they have found 'no fraud ' because of my wifes earlier allowance of the use of the card info for 2 rents.   XXXX   XXXX  ,   XXXX   XXXX     XXXX    XXXX   XXXX   have all found and substantiated 'Fraud ', yet Discover has n't. We have provided them all of the fraud transactions, and have sent them a 4 page letter detailing all of this. Every time we call the Disc. fraud dept. we get a different person, and they say they will not investigate further. 2 withdrawals totaling {$11000.00} thru   XXXX   XXXX  ,  XXXX  Pa, in  XXXX  still have n't been investigated by them, and we are fearful that pertinent information about those may be lost due to Discovers inaction. Discover disregards the fact that we canx 'd at least   XXXX   cards in a period of a few months to stop this abuse. Without this getting resolved we ca n't get our relationship back with our daughter and that is killing us emotionally!
A company XXXX : by Goldman Sachs, placed an unsolicited request for my credit history from XXXX Credit Reporting agency. NO.. authorization or request for credit was ever submitted by me for a personal loan. I had received an unsolicited email marketing advertisement from : '' XXXX XXXX XXXX XXXX '' and was just scrolling through the listing of companies offering loans and what their Interest and terms were. NOTHING MORE ... .just a review of their listing. Goldman Sachs placed a " Soft Inquiry " to XXXX to get my credit history. I never sought/ requested or gave authorization to any one to review my credit history. I feel Goldman Sachs was using the marketing Ploy by " XXXX XXXX XXXX '' as unlawful/ fraudulent effort to get Names and Credit History. Goldman Sachs would not withdraw or inform XXXX Co that their request for my credit history was an attempt at invading my personal privacy ' It is Just another form of " Identity Theft ''. Please look into this matter. If it happened to me, ... it probably happened to anyone who might have reviewed that XXXX XXXX Advertisement.
I received a letter from Diversified Consultants, Inc. dated   XXXX    XXXX , 2017 stating they represent a   XXXX   XXXX   and that I owe their client {$45.00} on a very old  XXXX  former  XXXX  account. I had phone service through this company years ago by closed the account and switched to another provider. I feel that this debt is not valid and way past any reasonable collections period.
XXXX XXXX, Activity Designator Should be " Paid and Closed '' The Pay History should reflect only for the months in which this account was opened. 

When EQ manually updated this Tradeline XX/XX/2015, the Pay History was space filled with NR.
I forwarded a check, in the sum of {$100000.00} to ALLY Bank BY XXXX # XXXX for the purpose of opening XXXX accounts, Check was received XXXX XXXX. Since then they have not been able to locate the funds or find out what is going on. 
XXXX supervisor advised that the money was received and that the accounts are being worked on - I asked that he e-mail info to me - but that was days ago and has not happened. 
I have been on the phone with over XXXX " supervisors '' at the bank, but all they want isthe answer to XXXX questions to identify me, DESPITE the fact that I was just transferred to them by the previous worker, who had asked me the same questions. Meanwhile, despite the promises of XXXX supervisors that they are working on the checks and will notify me " just as soon '' as the accounts are opened, I have heard nothing and I just might have fallen off the end of the world. 

I happen to owe ALLY Bank $ XXXX-XXXX on an auto loan but I have already advised them XXXX, UNTIL THEY HAVE FOUND AND DEPOSITIED MY {$100000.00}
Avant would never work a payment arrangement that was in my needs. The interest rate was to high as well the payments. So I got behind then they sold my account to XXXX XXXX XXXX. XXXX ended up pursing legal actions against me. Well I ended up winning the case and turned out I did n't have to pay them nothing.
I paid the entire balance of the account off XX/XX/2015. I spoke with customer service they provided me with the codes and information to pay via XXXX XXXX. 

The problem is that the payment was not posted on the Consumer Credit Reporting Agencies as paid. It was initially reported as an un paid charge off. I complained they later changed the status as a charge off paid to another creditor. I paid the original creditor XXXX XXXX. I ended up having several heated exchanges with XXXX XXXX 's representatives. Eventually, I was able to speak to a representative from XXXX XXXX who assured me that the information would be updated and corrected on my consumer Credit Reports. It has not been corrected. A new creditor I believe who recently acquired XXXX XXXX is now incorrectly reporting that I have a charge off with their institution. 

I am concerned that the repeated reporting of incorrect information regarding my account with XXXX XXXX is a result of several contentious conservations with their employees.
On XXXX XXXX, XXXX I used my rights to ask equifax to verify some accounts on my report, with Proof, because I had issues with verification of the accounts when I checked. I also asked on that date to remove any non- account holding inquiries over 30 days. I heard nothing from them about the matter I requested so I am sending a second letter requesting the same information, on XXXX XXXX, XXXX.
Ditech reported my account as " Bankruptcy '' rather than " Cash for Keys '' settlement. On XX/XX/XXXX, in the XXXX XXXX XXXX XXXX Court in FL, CASE No. XXXX, Ditech-Green Tree agreed to pay me {$4000.00} upon vacate the property and waive the deficiency. Ditech has neglected correcting my correct account status to the XXXX consumer credit agencies despite my several calls and formal request via certified mail on XX/XX/XXXX. Ditech also has neglected to close my account and provide the XXXX form for XX/XX/XXXX taxes. On XX/XX/XXXX XX/XX/XXXX, I took Ditech to the XXXX XXXX Court to enforce the court order payment of {$4000.00}. Judge granted me the payment and filed a sanction against Ditech in my favor of {$500.00} for my expenses. I am asking for your help. Ditech needs to be more responsible and accountable providing timely and accurate information to their customer, public, and consumer credit agencies.
Wells Fargo Bank closed my company 's corporate checking account without my company 's permission.

Wells Fargo claims they sent a refund check, but it was never received.

I have repeatedly contacted Wells Fargo about the issue, and they are aware and agree a refund check We ; ; s Fargo claims was issued in XX/XX/2018 was never cashed.

I have asked Wells Fargo to cancel the previous refund check they claimed to have sent and re-issue a new refund check.

Wells Fargo has not issued a refund. 

Account number XXXX Amount is {$300.00} Thank you, XXXX XXXX XXXX XXXX Compliance XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX
I XXXX XXXX do not understand why Experian is violating my rights under the FCRA. I have submitted a complaint to the CFPB and you Experian is still not cooperating. I sent in a certified letter to Experian on XX/XX/XXXXDated XX/XX/2018. The letter was a certified letter asking for the METHOD OF VERIFICATION on the Account XXXX XXXX # XXXX. Experian received the letter and started a dispute. Per the FCRA 611 ( a ) ( 7 ) I the consumer has the right to request a complete description of all methods used to investigate the verified account XXXX XXXX # XXXX. I requested specific information in my certified letter that I wanted to see. The person name, the address, the telephone number and the documentation Experian used to verify the account/dispute. This is against the laws and rules of the FCRA and I will be seeking a Lawyer on this matter to file a suit for damages, because Experian is not proving the METHOD OF VERIFICATION. On XX/XX/2018 I received a noticed that Experian had completed their investigation. How is it that they completed the investigation when I never received my METHOD OF VERFICATION on the account XXXX XXXX # XXXX. This is not right I am entitled to the METHOD OF VERIFICATION. I will be filing a law suit for damages. I enclosed a copy of the letter I sent Experian requesting the METHOD OF VERIFICATION. I have enclosed a copy of the dispute results from Experian that I received on XX/XX/2018. I never asked for Experian to update anything on this account. I was requesting METHOD OF VERIFICATION. As you can see with the disputed account the previous dispute from XX/XX/2018 shows the same information as the information on the dispute from the last dispute as in XX/XX/2018. 
Im not understanding why Experian is stating that the account is updated and both of the results shows the same information so Experian is reporting misleading information and refused to send me the METHOD OF VERIFICATION. I have all rights to see the METHOD OF VERIFICATION. I will be showing this to a lawyer because I am entitled to damages for the willful noncompliance. Nothing was changed from the dispute dated from XX/XX/2018 the information is the same from the last XX/XX/2018 dispute, so Experian is lying and no information has changed. I asked for method of verification so I dont know why this account is still showing as updated. This is my last complaint I will be filing a lawsuit because I asked for the method of verification and I was denied my rights under the FCRA,, Experian should have removed the account from my file. You didnt provide the method of verification and it should have been removed from my credit file. This is not rights you cant say you updated the account when I clearly asked for the method of verification. the account information didn't changed.. again I asked for the METHOD OF VERIFICATION. I EVEN CALLED THE ORIGINAL CREDITOR AND ASKED DID THEY HAVE ANY RECORDS OF THE METHOD OF VERIFICATION AND THEY STATED THEY DIDNT HAVE ANH RECORDS OF THE METHOD OF VERIFICATION WITH EXPERIAN WITH THE ACCOUNT..
Frauding scams frauding my credit file of XXXX XXXX XXXX of XXXX  XXXX Indiana of XXXX ( XXXX ) XXXX XXXX of XX/XX/ Frauding scams using my documents attached to XXXX XXXX XXXX of XXXX  XXXX Indiana and XXXX XXXX XXXX XXXX and XXXX county XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. 

Frauding scams using XXXX ( XXXX ) XXXX XXXX XXXX XXXX documents of XXXX XXXX Frauding scams 5 great lakes towns wide frauding using my credit file by others resterants franchises tore into my documents and groceries stores tore into my documents frauding my credit files 50 states frauding using groceries stores frauding my credit files using XXXX XXXX products and Brand advertising and Brand marketing Frauding scams using resterant diners menus frauding scams using XXXX XXXX. 

Frauding scams using retailers business and clothing store and clothing franchises used XXXX and XXXX Frauding scams using chruch groups and pasters frauding my documents Frauding scams using auto stores Frauding scams using medical records Frauding scams using XXXX auto and XXXX auto Frauding scams using XXXX factory and XXXX factory and Gearing factory frauding my aunt XXXX XXXX XXXX XXXX XXXX Indiana Fraud IDs scams frauding my XXXX factory in IA Fraud scams using XXXX factory in others states fraud XXXX Indiana Frauding scams frauding using XXXX factory in Florida frauding my family 's sir name documents of XXXX or XXXX XXXX XXXX record 's Retailers store 's business permits sounds like my documents Using XXXX sounds like XXXX and XXXX XXXX and Brand advertising and Brand marketing XXXX XXXX department stores sounds like XXXX my birth certificate of XXXX XXXX XXXX of XXXX  XXXX Indiana Frauding scams using XXXX XXXX XXXX of XXXX Illinois Fraud scams using XXXX auto off my XXXX documents Frauding scams using XXXX auto. 
Frauding scams using XXXX auto Frauding scams using XXXX as business permits and products and towns frauding my XXXX XXXX XXXX documents of XXXX  XXXX Indiana Fraud scams using XXXX court building in XXXX and XXXX XXXX Frauding scams frauding my documents in XXXX California in subdivisions using XXXX and XXXX and XXXX and XXXX Frauding scams using XXXX IDs and business permits frauding using XXXX birth certificate
We paid off our mortgage. A refund check around {$1500.00} was mailed on XX/XX/XXXX. We were not contacted until letter dated XX/XX/XXXX that it had not been cashed. After calling them on XX/XX/XXXX, they assured us that a stop payment would be issued and a new check mailed. After not yet receiving the check today, XX/XX/XXXX, we called to check on the status and were told they would check on it and get a call back by next Tuesday, XX/XX/XXXX. Unacceptable that a company would retain someone else 's money for an indefinite amount of time.
Waypoint Resource Group is claiming they have the right to collect a " debt '' for XXXX $ for XXXX XXXX XXXX. This is damaging and is reporting on my credit file. It showed up in the middle of a mortgage transaction which dipped my score more than 60 points! This company does not have rights to the debt as the equipment was returned the XXXX as well as remaining balance paid to XXXX as evidenced by the XXXX balance receipt. As per XXXX the account owner this issue should have been resolved by now and i am severely disappointed that it hasn't been. Myself and my children are living from house to house right now and buying this house is very important to our health and well being. This collection should have never been place on my report. PLEASE remove it as soon as possible. '
Since XX/XX/2016 ( almost 6 months ) I have been submitting disputes with Experian regarding XXXX on my credit report. 
Experian keeps sending me letters that they are investigating and reinvestigating these disputes. 
The company ( XXXX ) has failed to provide a verification of debt, failed to provide a Statement of Debt charge off statement. Yet Experian does nothing except keep " investigating the investigation ''. 
In the meantime I am humiliated by credit denials.