WillisBack/dataset-financial-user-claim huggingface dataset:
I had a vehicle repo in XX/XX/XXXX, I had to pay a large payment and fees to get my truck back which I did within 24hrs, XXXX XXXX will not fix my payment history which on the credit bureau shows 12 more late payments than it should be, my history should be good since XX/XX/XXXX but it shows XX/XX/XXXX, I received a payment history as requested by mail from XXXX XXXX but they wont fix the issue with the credit bureaus so I filed a dispute with each bureau and it has never been fixed, it is a joint loan so this has affected mine and my wifes payment history, the only thing that happened with my dispute is that Trans Union deleted the account on my side which lowered my score because of aged credit history but its still on my wifes credit report with the wrong payment history
Capital One-I had an account with them years ago. I paid it off and asked them to close the account. They instead sent me a new one with an annual fee charge. I asked them remove that and close the account. They said they did-I had already cut up the card. Much later, I received a bill and it had XXXX charges on it. I did n't make those charges. I have sent them a registered letter and spoke to a few people. I get calls daily-I do n't answer them. I tried calling the fraud department and all they do is send me to collections.
My auto was wrecked in XXXX/XXXX/2016 a total loss my insurance adjuster totaled the auto on XXXX/XXXX/2016 cut a check for the amount figured for the auto..I contacted my GAP insurance and filed a claim the day I was informed my auto was totaled.. when I checked on the status of the GAP claim I was told the dealership had coded the auto as a repossession instead of a loss and to inform them to contact the office and submit corrected coding info..The dealership apologized for the error and submitted the correction. I then checked the status of the dealership and was informed the check was stopped and another check was being issued to my lien holder Chase Bank. I asked was there anything else needed of me and was told no. I asked if I could get a copy of the check that was issued to Chase and it was forwarded to me. I checked my credit and to my surprise the loan was on my credit report I then contacted Chase and was spoken to rudely and asked for a manager which I was not forwarded to I then went to an actual Chase bank being that their headquarters is not located in the city of which I reside the banker I spoke with listened and phoned the executive offices then I was told that the dealership did not code for reinstatement of my GAP insurance. I then asked Chase why had n't anyone contacted me regarding this? I was then told by Chase I needed to get in touch with the dealership and have them correct the error of reinstatement I personally drove to the dealership and spoke with the administrative person whom had handled the paperwork and was told when the error of repossession code was corrected to total loss they 'd reinstate the policy. I informed her Chase had put the auto balance on my credit she wrote a letter explaining the discrepancy and error and contacted GAP to reinstate the policy. It 's now XX/XX/2016.. I spoke with a rep. within the executive offices of Chase and she asked if I could contact GAP and have them overnight the check ..I contacted GAP and was told the file is on the Boards desk awaiting approval..I spoke with GAP on XXXX/XXXX/2016 the Board finalized the claim on XXXX/XXXX/2016 and the check was submitted ... and Chase Put the charge off on my credit ... .and wo n't release it they 've been paid {$24000.00} ... but wo n't release the charge off
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX   XXXX XXXX ( Equifax : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX ( Equifax : XXXX ) XXXX ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX  XXXX Equifax : XXXX XXXX : XXXX ).
To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely
I was called repeatedly by AMCA in regards to an unpaid medical bill I was not aware of. The bill had been sent to an old address and my name was spelled incorrectly in their system, so the bills didn't make it to me. The only notification I got was that the bill was in collections. I then started receiving daily phone calls from strange numbers with no voicemail messages or identification. I ignored all of these calls, as I always do from strangers without a voicemail, even going so far as to block one of the numbers, only to have it replaced with a new one the next day. When I finally picked up the phone out of frustration, they explained my balance and said I had no option but to pay it ( despite the fact that I was in communication with the insurance company over re-billing ). I begrudgingly set up a payment plan to get the bill off my plate ASAP. Now almost 2 months later, I assume the bill is paid off and done, and I get ANOTHER call from AMCA saying their tech messed up while setting up my previous plan and asking me to set up a new one. So because of their error, my payment schedule has been extended and I had to take time out of my job to set it up. I understand they have a job to do, but one would think they could do it in a professional and timely manner. If there was an error with my payments or the plan I set up, AMCA should be required to alert me immediately so I can remedy the situation, not pass the baton to me 2 months later.
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for AFNI license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101.  AFNI does not have a license in the state of TENNESSEE. Their license expired in  XXXX   XXXX ,    2016. T hey can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-105 st ates no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES A CT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each   location at which it conducts business a location  manager who ha s submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES AC T 62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor.  AFNI is  in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
To Whom it May Concern :  XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX    XXXX     XXXX   XXXX   XXXX    XXXX , GA  XXXX  TransUnion,  XXXX    XXXX   XXXX   XXXX   XXXX   PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.      XXXX   XXXX   XXXX   XXXX ,  XXXX .    XX/XX/XXXX   XX/XX/XXXX  Telephone Companies   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  All Banks   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Telephone Companies   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX    General Clothing Stores     XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  TBA Stores  , Tire Dealers    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg.  Agencies   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX   National Credit Card Cos.     XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg.  Agencies   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX  Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX  Soc sec #  XXXX  DOB  XX/XX/XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX , FL  XXXX
I have contacted experian requesting removal of XXXX off my credit due to it has been bought by another lender and the amount isnt correct, also when contacting XXXX i asked for a pay for delete they said they cant since it was bought by another lender yet when i sign into my XXXX account its still showing i can may balance. It should be removed for false details. It still remains on my credit
Since XXXX was canceled XXXX XXXX XXXX by XXXX, GA XXXX. XXXX XXXX XXXX company ; for most XXXX XXXX, continues to charge my American Express Credit Account with American Express ( AMEX ) permission. American Express has ignored & declined my requests to stop XXXX XXXX deduction from my account. $ XXXX Monthly Deductions starting XXXX XXXX XXXX, were increased to {$10.00} Monthly deductions starting on XXXX XXXX XXXX ( without authorization ). 
AMEX Account was charged {$29.00} for XXXX Transfer Fee denied by the XXXX, AZ location, anct of FRAUD by XXXX XXXX. As of XXXX XXXX to XXXX XXXX XXXX has charged my AMEX account {$270.00} with American Express Permission, ignoring & denying my request to stop XXXX XXXX Deductions from AMEX account. XXXX XXXX Payment is coming. 
AMEX no longer allows Customer to file complaints on the AMEX website ( due numerous complaints being filed against AMEX )
My mother opened a credit card in my name when I was XXXX. She used this card for her own personal gain and wants. She was paying on this card until XX/XX/XXXX. She openly admits to opening it, however, refuses to take ownership of the situation and now I 'm left to bear her mistake. I just want it gone. I never opened it and I never saw any benefit from it. It is haunting my credit score and wo n't be taken off until XX/XX/XXXX according to XXXX. I 've filed 3 separate disputes with Equifax to no avail. All 3 determined that the card was mine even though I never opened it. Please help ...
XXXX is reporting to my Experian credit report against Hippa laws Privacy laws and laws that state clearly an medical collection can not be reported if it is being paid by my insc it was Experian is sharing this information that is protected by the hippa laws and the privacy acct MY medical records with any body who pays them My medical records are private and that incudes my medical bills account XXXX reported with a XXXX balance and is clearly a medical bill and it is illegal for them to report it.
The credit reporting company has stated that my account for XXXX XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/2017-XX/XX/2017. 1. Where is the proof? 2. Why is this account being updated?
I filed a dispute with  XXXX ,  XXXX  and Transunion in regards to  XXXX   XXXX   XXXX  collection account listed on my report. And explained that  XXXX   XXXX   XXXX  is in violation in regards to their reporting on my credit report and stated why and showed proof of said violation. However, they came back verified. I sent  XXXX   XXXX   XXXX  a letter certified mail return receipt requesting validation under the Texas  Financial Code 392.202 , Fair Credit Report Act and Fair Collections Act and proof is attached with return receipt dated  XXXX   XXXX ,  XXXX  and  XXXX   XXXX   XXXX  failed to property follow the law and never contacted me in regards to my request it has been over  XXXX  years and  XXXX   XXXX   XXXX  has yet to validate and verify the debt to me per my request as of  XXXX   XXXX ,  XXXX . After giving them ample time to respond I disputed with the credit reporting agencies and let them know of  XXXX   XXXX   XXXX  lack of response in regard to the credit line in accordance with Texas and  Federal Law. However, once disputed on those grounds  XXXX ,   XXXX   and TransUnion verified it thus also being in violation.
I have been a XXXX 's Credit Card holder for almost two years when my account was closed by XXXX 's Citibank without them contacting me. A few months ago I was going over my credit report and noticed there was an account opened in my name from CBNA/SEARS I went and file a fraudulent claim on all three credit bureaus and CFBP. That Sears account was closed. A month or so later I received a letter saying my XXXX  account was closed. It was closed on the exact same day as the fraudulent Sears account. Citibank Retail Services closed my XXXX account because I disputed a fraudulent account from Sears, that had absolutely nothing to do with my XXXX. I hav called and called and called and every last representative tells me there is no reason or they can not tell me why my account was closed. It is a company rule not to disclose that information over the phone. My XXXX 's account is not fraudulent I did not report it as such and it should have never been closed. This is wrong on many levels. I have been dealing with alot of ID fraud and it is overwhelming as is I shouldn't have to deal with losing my accounts that I have not disputed. Later I found out that Citibank Retail Services also services XXXX 's so they just closed everything because of my dispute. There was also a checking account opened in my name which I have attached the information as well whomever opened this account submitted payments to several accounts of mine and all the payments were returned. Payments were sent to The fraudulent Sears Account and my XXXX 's along with several others. All of this was happening at the same time
When I attempted to change the email address on my PayPal acct, the company apparently opened a separate PayPal Credit acct with my information and automatically applied my next charge to the new acct -- so instead of my initial charge being paid off with the credit card on file, they charged me interest and late fees. When I contacted them to complain, they offered to close the acct if I made a payment of half what they claim I owed. I did this, and then several days later I received a new statement showing my payment and adding another late fee.
Dear Consumer Finance, My name is XXXX XXXX XXXX. 

I recently, obtained a copy of my Equifax Credit Report for XX/XX/2018. I notice on my credit report that, XXXX / XXXX had stated that, the courthouse verified my bankruptcy at the Court house. So, I written to the court house to confirm the information about the " verification '' made by XXXX / XXXX statement on my Equifax Report. 

See attached Documents A week later, I received a letter responding back to me saying this -- " Please be advised that the U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit files ''. The letter, also went on to say -- " As indicated on the Court 's website, the Court receives many telephone calls about bankruptcies unfairly appearing on consumer credit reports. 

The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) is the law that controls credit reporting. '' I then sent a certified letter to ALL the credit reporting bureaus, XXXX XXXX, Equifax and XXXX  a copy of the letter from the court house to show them the evidence -- that the courts, do not verify information for credit reporting companies. 

I asked the each credit bureau to " remove the information - that is incorrect, untrue, mis-leading or false, " they are reporting on my social security number. I also so told them -- by law the Federal Law they are in violation of the Fair Credit Reporting Act - Section 623 ( a ) ( 3 ). 

I have written to asked them to remove the fraudulently information from ALL my Credit Reports. Please assist me in correcting the information on ALL my credit reports, XXXX XXXX, XXXX and Equifax. 

Sincerely, XXXX XXXX XXXX XXXX, See Attached documents.
I formerly requested that both XXXX and XXXX remove derogatory information from my credit report. I also have paid a company to clean up my credit and they have sent paperwork disputing my " Public Record '', that I have a tax lien. They verified a lien, but it was the wrong lien. I have had 2 liens on my credit since XXXX. A federal tax lien in the amount of about {$18000.00} or so, may be higher, I am not sure. I never paid that lien, and it fell off my credit report in XXXX. Also, in XXXX, we were told that the state of Alabama had put a tax lien on us for the amount that is being reported currently on my credit report. A STATE TAX LIEN, not the Federal one that is already off. I submitted documentation to show that the STATE TAX LIEN was RESCINDED!! That means that it was never supposed to even exist. It's been rescinded by the state, and when you call to verify the STATE TAX LIEN, they will tell you there is no record of a tax lien because it was RESCINDED!! I have provided documentation, and they claimed to have removed the tax lien from my credit report, but that didn't happen. It was not removed. Both XXXX and XXXX, as of today, XX/XX/XXXX, still show that I have a tax lien on my credit report. ( See attached ). I want both companies to remove my tax lien, and put me in the position I should be in.
In XXXX 2014, I saw a poster advertised on the window front of my local Suntrust Bank. It promised a bonus of {$150.00} for opening a new account, as it read " It 's never been so easy to earn {$150.00} '' and on the bottom it read " For a limited time, we want to offer you a {$150.00} gift card just for signing up ''. Inside the bank, I was explained that I 'd have to have a special account that could accept credit card payments. I told the rep, that I do n't really need to process credit cards, but was persuaded anyways to open an account. I was assured of getting my bonus after just XXXX credit card transaction. I received a swiping device for credit cards for my smart phone soon after. I processed XXXX card for {$1000.00} and when I got the statement, I was shocked to see a charge of over {$80.00} as a processing fee. I was sure it was a mistake, and called the bank so they could correct it. They denied that it was a high fee, stating that it was a competitive fee for processing credit cards. That rate sounded very high to me, so I asked them to close my account. I was told : " Sir, if you close your account now, you 'll be charged an early termination fee of {$500.00}. If you want to avoid this penalty fee, you 'd need to wait for 1 year for the contract to end, before you can close your account. However, we 'll continue charging you our " standard '' monthly fees for that time ( 1 year ), and then we 'll refund you retroactively for that year. '' I was surprised to hear all this, since nobody ever explained any of this when I was signing up. On the day I signed up, I was in the bank for about XXXX7 minutes and was told to sign and initial in a few places, and the rep did n't give me any time to look over the documents saying, " It 's just the standard stuff all banks ask you to sign ''. In any case, I did n't put up a fight, deciding just to wait out the year to avoid the {$500.00} fee. I waited patiently for 1 year, not paying too much attention to the exhurbant fees I was being charged, knowing I 'd be getting them refunded soon. However, when the year was up, I called the bank to close my account, and to my surprise I was told " Sir, your contract is for 3 years, and if you close now, you 'll be subjected to the {$500.00} early termination fee. '' I could n't believe my ears. I tried to explain that I was told it would only be 1 year, but the other party did n't want to hear of it. I was also told at that time, that no fees would be refunded to me. After calling and emailing different parties at Suntrust with no success, I had to close the account " early ''. I ended being charged {$500.00} as an early termination fee. It 's been 2 years since I regretfully opened up an account with SunTrust Bank. They charged me close to {$1000.00} in fees and still send me letters claiming that I owe them more money. They recently threatened to report me to a collection agency which will affect my credit score, if I do n't pay up. Please help.
1 )   XXXX   XXXX  is still reporting my BK filed in  X/2008 . The law at the time of filing is 7 years but was later changed to 10 years not retroactive. Should be removed from my file.    2 ) In quires not authorized by me are on my file and should be removed and have not been removed.    3 )  Disputed accounts have not been removed after the 30 day limit to respond by the creditors Thank You  XXXX   XXXX
I was told if I opened an account that after I put in {$500.00} by a certain date I would receive {$100.00}, and after {$2000.00} I would receive another {$200.00}. I opened by account in XXXX. On XXXX XXXX I met the {$2000.00}. I was told I had 8 weeks before I would receive the money. I never received the money by XXXX XXXX. I went to the bank that I opened the account at and was told I met all requirements and should have the money by XXXX XXXX. After the XXXX I called sun trust complaints department and was told I had someone working my account. A couple days later I was called and told that I was supposed to open XXXX accounts to receive the money. This is not what I or my sister were told when we XXXX opened our accounts. I have another witness besides her that was in the office when i opened the account. We were never told that we had to open XXXX accounts. She has already gotten fed up with suntrust and closed her account, going back to XXXX XXXX XXXX. I now have XXXX complaints with the bank because it has been over two weeks since I have heard anything from the bank and over a month since I was supposed to receive the money. They act like they do n't even care. Even if there was suppose to be XXXX accounts opened, they should honor the {$200.00} they promised me. It was the the bank 's fault, not mine.
My mortgage was sold to Central Mortgage Company, based out of XXXX XXXX, AR. In order to pay online they charge a {$5.00} convenience fee. In order to send an extra payment they charge a convenience fee. In order to set up bi-weekly payments, they charge a {$200.00} fee PLUS {$3.00} per payment. All of these fees seem shady at best, and I did n't choose this company as my mortgagee. I feel trapped with no recourse for this company 's ridiculous fees.