WillisBack/dataset-financial-user-claim huggingface dataset:
I recently had a dispute with Equifax when they would not take a collection off of my credit report. Well, when I paid for an Equifax credit report and an XXXX  report I was shocked at what I saw. While Equifax claims a XXXX ( Good credit score ) and they say XXXX  has a XXXX ( fair ) and XXXX XXXX XXXX ( fair ) credit score. 
Now I also paid for an XXXX  credit report and it states XXXX with a XXXX credit score ( good ) XXXX XXXX XXXX ( Good ) and XXXX at XXXX ( fair ) XXXX has a collection acct, but they say it's closed, but yet it is still on my credit report. The other companies have deleted the neg. acct. How can a closed acct still appear and is judged against me in getting credit? 
It would appear to me that these companies are manipulating credit scores and other accts on their reports to enhance their reports when people pay for the results. I can see when you pay for the report the results are very different than say XXXX XXXX. Why are these companies allowed to manipulate your report for their own self-serving needs? Information is being formulated to and displayed so you pay for their services. 
These companies should not be allowed to unfairly input or delay information that is on your report. People depend on these reports to get loans, credit etc. You have no control over what is on your report, they have the control which can make or break your loan and other things I think it is not fair nor should it be legal. These companies are the basis for what your credit rating is. If they decide to make it bad that is totally in their control.
Everything owed XXXX XXXX XXXX was paid. However XXXX XXXX XXXX did not remove XXXX collection or Equifax did not remove it from my credit report, while XXXX removed it months ago.
XXXX XXXX XXXX has purchased from HSBC credit card account that was paid through our using XXXX XXXX XXXX. The collection company FAILED to follow the Federal Law, and is Reporting the Collection as a NEW collection. Additionally, as the attached letter of payment submittal indicates HSBC was sent funds agreed to to settle the debt, and then sent the debt to XXXX who failed to notify or to confirm the debt in the Required time allowed by law. 
In addition, they are transmitting the collection as if it just took place in 2014, and listing the collection multiple times as well. I have notified them via certified mailing, as well as I have disputed this with the Credit Reporting Agencies, that are also in violation and should be notified by the CFPB of their improper handling ( as per Federal Laws ).
I attended to XXXX college for six months.. XXXX made me take out a private loan called American student financial group ; direct lending program ... of XXXX, to found out tow months later when the school closed without previous notice, when I did my financial aid that I did n't needed it because I had a Pell grant available ... im filling this complaint because they lied to me ... but only that because it was a fraud ... since I took a loan supposedly I needed to pay my education.. got in debt payed for an 18 months program and I just received 6 months and they closed ... how I 'm going to pay for something I did n't received??? .. I really want this loan to be discharge and continue with a new clean begging after what career point did to us ...
I am a XXXX and have clients in XXXX that I've sold many XXXX to and am in a XXXX  XXXX position in terms of getting XXXX, XXXX and getting the XXXX to XXXX XXXX conditions. 
I hired XXXX XXXX XXXX to clean a vacant 1100 square foot condo that tenants left in very poor condition. A cleaning person that normally cleans occupied homes would not be able to handle the task. The vendor quoted me $ XXXX/hr for 2 people to clean. I agreed knowing that the price would be higher than average. I estimated 2 days cleaning of kitchen, 2 bathrooms and laundry room. 
XXXX XXXX XXXX said he wanted a credit card and I told him that I would pay him at the end of the job as I do with all my tradesmen. He insisted that he keep a card " on file ''. Since I've hired him before and he was cleaning for my good friend then, unfortunately I trusted him. However, in my mind he was keeping the card on file as a security deposit as a hotel, or car rental company does, in the event he doesn't get paid. 
I was leaving for vacation so I agreed to it. 
XXXX XXXX XXXX also informed me that he does " handyman '' work so while he's there he can address some of the items, to which I agreed since he would already be on the property. He told me $ XXXX/hr for 2 men. Again I trusted him. 
I didn't have an alert option on my card at the time and wasn't aware that he was placing enormous charges on my credit card without my knowledge and without consulting me while I was out of town. 
So the bottom line is that he placed {$4800.00} on my card. I cancelled the card when I discovered this. After much back and forth with MasterCard ( Capital One ) taking the charges off and putting them back on they sided with him. I gave them over 20 pages of documentation including other similar vendors estimates for the work and they only went with him providing the bank a copy of my text to him that the owner has agreed to the {$75.00} and {$65.00} per hour. He sent me a computer printout only ( not an itemized invoice ) that totaled 97 hours. 
I have hired an attorney to deal with him however as of this writing nothing has been resolved with the charges just back and forth letter communication. 
Florida Attorney Generals Office who also received a complaint from me suggested I also get in touch with you.
ON XX/XX/2019 I HAVE PREVIOUS SENT IN DISPUTES TO XXXX, XXXX AND EXPERIAN AND the scope of the dispute outlined on a CDV WAS NOT PROVIDED AS REQUIRED BY FCRA 611 ( 15 U.S.C. 1681I ) I NEED THESE ITEMS REMOVED XXXX Account # XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, NY XXXX BYMAILONLY THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED
I have requested XXXX in XX/XX/XXXX to validate a Bankruptcy record that was found in my credit report under the Public Record section that was reported to me by XXXX in XX/XX/XXXX. According to the FCRA 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify-through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Furthermore, after 30 days XXXX responded that they had contacted the Bankruptcy court as if the court is allowed to speak to them directly. I am attaching my correspondence with the Utah Bankruptcy court 's clerk telling me that they do not send any information to them. That the credit bureaus have to come and get the information themselves. But in XXXX v. XX/XX/XXXX, it says they can not claim a government agency, court or court house to furnish or verify anything. The court does not guarantee the accuracy of their cases so no third party vendor can claim they verified the bankruptcy through court records that are not guranteed to be accurate. Therefore, XXXX has failed to comply with FCRA 607 in not giving maximum accuracy in their investigation instead they grossly lied that they contacted the court to verify the information and worst of all they did not produce the original signed consumer contract. So in all fairness they must comply with FCRA 611 in deleting and unverifiable information because after all the only persons that can legally verify a bankruptcy is the consumer and the trustee as they are the only persons with the first-hand knowledge. I am attaching the first page of the court docket of the bankruptcy record which does not accurately identify me with just a name, address and last four digits of SSN. This is the same information that XXXX uses and grossly lies to the consumers by stating that have verified the information as true. They did not produce the original signed consumer contract therefore there was no verification. To compound the subject even more XXXX was requested by me, almost a month prior to my dispute with them, to freeze and opt-out my information and this is how they conduct their investigation by grossly ignoring my request, please see attached letters confirming this.
Hi! I 'm XXXX XXXX XXXX credit card customer since XXXX 2017. Due to advertisement like 50 % more value of reward point when use for travel through Chase ultimate reward site. That 's totally false advertisement. I booked my travel that way more then 5 times. Most of the time I got only 35 % more value towards travel. Example I purchased travel ticket worth {$1500.00} I had to use reward pointXXXX= {$1000.00}. As per advertisement it supposed to be reward point XXXX = {$770.00}. Another thing they mentioned about travel interruption insurance. I purchased ticket through XXXX XXXX XXXX site for my self and my Grandfather. Due to lack of information on XXXX XXXX  travel website about transit visa requirement, my travel plan interrupted. I was standing at XXXX airport with XXXX year old man ( my great grandfather ) to resolve the issue and Chase Ultimate Customer service agent was n't help at all. Other third party website " Red Flagged '' transit visa requirement since very unusual when you switching flight on same Airport. For my travel interruption I blame Chase travel website since they did n't had unusual visa requirement information on their website. While other third party travel website vendor done good job in that. I 've been working with XXXX XXXX XXXX  customer service agent since last 2 months to resolve issue and get my reward point back. Other complaint I 've XXXX XXXX XXXX Customer service and XXXX XXXX XXXX Customer service acting as two separate entity. Customer has to go to back and forth with them to resolve any issue. I was misguided with many false statement by their customer service agents. That 's fraud to customer. Like example one customer service agent contacting me to resolve issue for travel interruption reimbursement. She mentioned that they ca n't provide any resolution until I 've any dispute clear on my XXXX XXXX XXXX card. They do n't sync with each other. I called XXXX agent and ask about dispute, They mentioned it was successfully closed. After that confirmation I called XXXX XXXX XXXX agent this time I got different agent and I 've received false information stating that your case was marked resolved when I called 1st time on XXXX XXXX 2017. That was false information because I 've call record where XXXX XXXX XXXX  representative " XXXX '' calling me for resolution and mentioned that I 've to take care other vendor dispute on XXXX XXXX XXXX card. That 's kind of fraud to customer. Chase customer service agent throwing statements in air, One agent give different statement and other agent gives different statement. I 'm seeking help from your organization to resolve issue and Chase take action on their Travel website and fix the error they have on it so person like me not suffer in future. I was really bad time for me while I was on 3-4 hours on call with Chase with no resolution and XXXX years old man looking at me with positive hope. I 've made very nice article to put it on social media to make aware other consumers with screen shot from Chase Travel Website Vs Third Party travel Website.
PARDON THE CAPS, BUT I HAVE JUST GOTTEN OFF THE PHONE WITH DISCOVER, XXXX XXXX EVENING EST. THEY HAVE CONTINUED TO BE QUITE DENSE AND AM AT WHITS END AND REALLY AT THE END OF MY ROPE HERE. I HAVE XXXX MAJOR DOCUMENT WHICH IS MY XX/XX/XXXX YEAR END SUMMARY OF EXPENSES INCLUDING ALL CREDITS AND DEBITS WITH ALL ACTIVITIES FROM XXXX PREVIOUS CARDS CARRIED OVER AS TRANSFER BALANCES, THE TOTAL REFLECTS THE AMOUNT OF {$12000.00}. THIS AMOUNT WOULD BE ADDED TO BE XX/XX/XXXX OPENING BALANCE OF {$5600.00}, I WILL NOT ARGUE THAT. I CALLED DISCOVER WITH THIS CASE AND THEY SAID GO BY THE PAPER BILLS, SO WITH NO LIGHT AT THE END OF THE TUNNEL IN SITE, I DID AND PAINSTAKINGLY CALCULATED ALL CHARGES FROM XXXX PAPER MONTHLY STATEMENTS AND CAUGHT AN ERROR/OVERSIGHT ( ATTACHED ). MY OFFICIAL TOTAL SHOULD BE {$20000.00} FOR XX/XX/XXXX, FURTHER LESS CONSIDERING I MADE PAYMENTS IN XX/XX/XXXX WHICH IS A INDISPUTABLE {$19000.00}. THEY WILL NOT RECEIVE ANY PAYMENTS NOR WILL I INCUR ANY PENALTIES UNTIL THIS ADJUSTMENT IS MADE AS I HAVE GONE OFF THE PAPER MONTHLY STATEMENTS. YOU WILL FIND ALL OF THIS ATTACHED.
I have been called XXXX by a debt collection agency at my place of work for the debt that my daughter is supposed to owe. The person acknowledges that I do not owe them a debt, but wants to contact her and that is why I am being called. I am registered on the do not call list. I told the debt collector, XXXX XXXX that he would be reported to the FTC. He was unhappy when he heard that.
in 2010 so meone filed a bankruptcy in my name not sure but believe it was my ex-husband from a nasty divorce my credit is perfect and I had no need to file a Bankruptcy.   FCR A 603 ( o ) ( 5 ) ( A ) ( i ; iii ) This has t o be remove
Over the XXXX holiday, American Express made duplicate charges to my card. When I tried to call the customer service number, the number was not active. I tried to file a complaint with American Express and they kept transferring me to the nonworking customer service number. I explained the number was not working, but customer service reps continued to transfer me to the working. The duplicate charges were not addressed in a timely fashion. I had no money.
There are four accounts listed on my XXXX and Transunion credit reports that do not belong to me. They are all from the same company with different amounts showing. The company is XXXX. I have disputed these accounts and Transunion has supposedly deleted one of them off of my credit report. XXXX XXXX shows a notice which says : Collections Account Removed XXXX between XXXX XXXX, XXXX and XXXX XXXX, XXXX your XXXX collections account was removed from your credit report. My credit report dated XXXX XXXX stills shows them all on there. These accounts do not belong to me and I want them removed from my credit reports. 
Thank You for Your Time
XXXX XXXX is incorrectly reporting a 30 day delinquency that is not correct. I paid as agreed on the account and have never been late. The account is currently eenrolled in a debt management program that has also been paid as agreed. I contacted XXXX XXXX and they agreed and refunded the late fee charge and indicated they would remove the derogatory reporting ( 30 day late notice ). They have not done so since contacted over 60 days ago.
There is a Public Record reporting on my credit reports that is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law, my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
In XX/XX/XXXX, I called XXXX XXXX XXXX XXXX to see why my balanced jumped from {$1500.00} to {$2500.00}. The customer service rep advised that my 18 month XXXX  interest was up. I informed him that I was never told that the interest from those 18 months would accrue, or else I would have never signed up for this credit card. After speaking with a supervisor, he said he would remove the {$1000.00} of interest if I paid the total that day. I told him i was driving and once i get home, i will pay it. I arrived home and called in with my credit card information. After a month ( XXXX ) gone by, i received another statement with the {$2500.00} total. I called and asked why my card wasn't charged. They accused me of not calling in. So i asked to speak to a supervisor. The customer service agent advised he would have a supervisor call me as soon as possible. Another month goes by ( XXXX ), and I am informed that my account is in collections ( which has lowered my credit score immensely and now i can apply for a car that i desperately need for work ) and I have accrued two months of late fees on top of it. I know owe hundreds more due to the lack of communication and customer service support. They are trying to continue to scam me so I can continue paying them. They are trapping me into this account. When I called today XX/XX/XXXX, the call went straight to the collections department, which i was not aware it was in collections. XXXX ( customer service agent ) advised that she attempted to transfer my call to a supervisor in customer service and they refuse to take my call, let alone talk with me. She advised that they wont help with anything and will not speak with me. What kind of customer service is that? I would like to see something done immediately. They have literally ruined my credit score ( credit from XXXX to XXXX ) so i am unable to purchase a vehicle for work. Please contact me as soon as you can. Thank you for your time.
This debt from the original creditor   XXXX   XXXX   XXXX   was deleted from my credit report  XXXX  last year. Now this new collection agency  XXXX   XXXX   XXXX  has paid for this alleged debt that was already proven not to be mine in hope to collect on a debt that was already deleted and apparently resold.
On Sunday XX/XX/XXXX at XXXX XXXX commenity bank called in regards to my credit card accounts. I did not answer as I was asleep they then called again at XXXX XXXX, 2 minutes after they had just called. I answered and gave the phone to my husband as I have repeatedly told them I am unemployed and job searching and have been in contact with them with updates on the situation. He then asked them not to call on Sundays as well as to not call anytime before XXXX XXXX the rest of the week. They said ok they will notate the account with the request. 
At XXXX XXXX on XX/XX/XXXX commenity bank called again. I answered and gave the phone to my husband again and he said we asked you not to call on Sundays you were supposed to notate that in the account this morning when you called the lady said she was sorry and my husband stated he would contact a lawyer and hung up.
I am being sued by XXXX XXXX XXXX who claims they are working on behalf of Capital One. I have already submitted one complaint, ( XXXX ) but I am now submitting a second one for fraud. 

I received a complaint to appear in court with XXXX XXXX claiming to represent Capital one on a old debt they know nothing about, and have not provided affidavits for. The debt they are trying to sue for they have no claim to, they do not own the debt and are bill collectors. They are trying to force a win by default, trickery and scare tactics. If they do not amend the complaint on their own to show who the true plaintiff is in the case. I will write a motion to the court. 

In addition, I will be calling the bar association to report them for misrepresentation in the the complaint, and by trying to get me to settle a debt with them that I do not owe with a demand letter. This is Fraud. 

Furthermore I will be filing a separate complaint against Capital One, as they have also committed fraudulent credit card lending practices and scare tactics trying to get me to pay a debt that has been paid off many years ago.
1. The credit card is misadvertised at the first beginning when I wassold to apply for this card. I was told it 's a 0 % interest card forthe first 12 months and then 28 % APR. The sales and the customerservices keep using the language the interest is " void '' to mislead itscustomers, and in certain way allure and motivate people to open thecredit card, even I had the full cash to pay for the goods at the timeof purchase. 
2. TD Retail Card Services did n't send me any notification about whenis the deadline of paying the balance in full. I understand yourmonthly statement says the promotion expiration date, which is XXXX, 2015. However, the statement of XXXX XXXX to XXXX XXXX did n't statethe interest deferred to be added on the current balance ; thestatement of XXXX XXXX to XXXX XXXX did n't state the interestdeferred to be added on the current balance either. These statementsdid n't demonstrate that the expiration date is the actual deadline ofpaying off the current balance in order not to incur any surchargeevent. 
3. I paid in full for my previous balance of {$6400.00} on XXXX XXXX, 2015. 
4. 28 % APR is way too high for any standard credit card. The APR isaveraged at 15 % in the United States. What kinda of business wouldoffer such a high APR and 0 % interest rate in the first year at thesame time? I am suspicious about the misconduction of credit businessand I would encourage for further investigation of their customerbase, since I believe I am definitely not the only one who wasmislead, confused by their business.
" " '' I have disputed this Public Record on this Bankruptcy : Discharged CH-XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
On XX/XX/XXXX I received correspondence dated XX/XX/XXXX from GC Services Limited Partnership regarding an alleged debt I owed to the XXXX XXXX County Superior Court,  which had been paid prior to GC 's involvement. I immediately called the number on the letter, XXXX, to resolve the matter. After waiting on hold for over one ( 1 ) hour for a representative to take the call I finally gave up without the call being answered. I thereafter responded by way of the attached letter dated XX/XX/XXXX, sent via USPS Priority Mail, which was received by GC Services on XX/XX/XXXX. 

Having no response by XX/XX/XXXX I sent an email to GC Services - a " screen shot '' of the email is attached, along with the full text of my correspondence. 

As of XX/XX/XXXX I had received no reply from GC Services. 

On XX/XX/XXXX I received a second letter dated XX/XX/XXXX from GC Services stating that I had not responded to the " previous notice, '' a copy of which is attached. 

On XX/XX/XXXX I again attempted to call GC Services at XXXX. After one ( 1 ) hour and eight ( 8 ) minutes, listening to the recording that a representative would be right with me, I finally gave up. See attached copy of photo of call log from my telephone.