WillisBack/dataset-financial-user-claim huggingface dataset:
This is not true, the original amount charged back was not the amount reflecting on credit. Please request that this company provide a statement of what is owed with a complete break down so we may properly dispute this situation further. 

They are not reporting to credit properly if the date below is XX/XX/XXXX. It is THEIR responsibility to report correctly. 

We do NOT owe this money, its a fraudulent charge back. Additionally the company has never sent us a bill, a breakdown, or provided evidence of a valid chargeback. 

We have, however, provided a lot of documentation to show the charges were correct and valid. 

Also, they had our original date of reporting incorrect by half a year. Based upon the correct original date of reporting this needs to be removed from credit. Where do they get XX/XX/XXXX as a removal date? This date doesnt match a single thing according to law? 

Here is what they said before : Once again, the charge backs, fees and interest that XXXX XXXX was charged were entirely contractual. No money was added to the balance because of attorney fees or any other fee that was n't strictly agreed to in his contract with XXXX ( XXXX ). We report all of our personally guaranteed merchant accounts the exact same way using a Merchant Account code with the bureaus. This is an automated process. Further, we report the first date of delinquency exactly as the client gives them to us. Our List Dates are reported as of the date we receive the account. Innovative informed us that the first date XXXX XXXX 's account went into delinquency was XX/XX/XXXX. The bureaus are responsible for monitoring the dates and deleting lines in accordance with the FCRA. If XXXX XXXX believes the line should be deleted because the 7 years has run, he should contact the bureaus directly to accomplish that. 

At the end of the day to fraudulently charge back an item and then ruin someones credit is criminal. We want to see this company provide the CFPB with the documents we sent, we sent a lot of information and pictures, and explain how they can legally charge back a valid charge. 

This company sounds like a broken record talking about the responsibility of a consumer. This is not about our responsibility as the consumer, this is about a valid charge back. 

No matter what the contractual obligations are, you can not illegally charge back a charge. Consumers have rights as well, the contract we held with the company has nothing to do with their reactions and actions in relation to the responses we are receiving thru the CFPB. 

Again, this is not about whether we agree or disagree with a contract, this is about the company listed acting against the law and in contradiction to their own contract. In fact, we were supposed to have the RIGHT to defend ourselves and at what point was the massive documentation of mechanics bills and photos not enough? I mean where is the honesty in America people? 

Shady business dealings, never acceptable. 

Thank you.
I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. My auto-payments were going on-time, but due to a technical glitch, my bank sent me a letter to physically contact the recipient and send the payment, but I was on XXXX and never got the letter. Though I had the money and gave it when I returned, they reported a 30 and 60 day late payment. After talking with a representative of the XXXX, I was told I could have those two late payments removed, as per the law, but I have not been able to do so. I was overseas. Now I 'm unable to get a Home Equity loan or refinance my home. Please help.
I co-signed a student loan ( XXXX ) for a friend 14years ago. The loan evidently was not managed well by the primary on the account. I was noticed a few times he was late on payments, but the account was always brought up to date, or so I thought. Last XXXX the primary on the account notified me he was going bankrupt and the account would be my responsibility. I contacted the lender and was dismayed to learn the original loan amount ( XXXX ) had almost doubled XXXX ). I never received any information on the account other than when a payment was late. I have my own student loans which are current and have been payed faithfully every month. When I found out the ridiculous amount of the loan and the fact the company had not been due diligent in keeping me up to date I asked them to work with me to have the loan reduced and the interest rate changed to a fixed rate. The company was not interested in working with me. I contacted my state Senators and they were not successful, the lender basically said, too bad ... you co-signed it is your problem you did not check in on the loan over the past 14 years ago. I have been paying the loan, which is in the " interest only '' repayment phase, the interst rate has gone up twice in the past 11 months. I asked the lender if they would refinance the loan ... I received a resounding " NO ''. I then contacted several other banks in regard to refinancing ( which I did receive many offers with significantly better rates and terms ) but I found out I need to have the primary lender release the loan. I contacted Navient, yet again, and they have been non-responsive. I am at my wits end, I have never received such awful treatment and an unwillingness to work toward an acceptable solution. I have done all the leg work and been the onXXXX contacting Navient, they are not customer friendly and I find their business practices deplorable and their rates usury. My state Senators have not had any success with them either. I am fortunate my primary student loans were with XXXX XXXX and they worked out a great repayment plan with me. When Navient purchased XXXX XXXX, all customer service and humanitarian business practices appear to have been discarded.
I applied for a  Chase Sapphire Reserve cr edit card  on  XX/XX/XXXX . I   de cided to apply since my  credit score fro m  XXXX , provided to me by  Chase 's Credit Journey web site -- which details personal credit history to Chase Bank customers -- was a  XXXX   (  it is now a  XXXX  ). And I have had a credit card with  Chase  since   XX/XX/XXXX   ( now it 's called th e Chase Freedom c ard ) ; my balance for this credit card has always been paid off each month.  <P/> A letter date d XX/XX/XXXX  from Chase  Bank stated that I was rejected for this C hase Sapphire Reserve credit card due to " lack of recent consumer finance company account information. '' This letter arrived to my home on  XX/XX/XXXX .   <P/> O n XX/XX/XXXX , I called Chase 's customer service to get further information on what their rejection rationale exactly meant. They stated that they could see that I 've had my credit card with Chase for 9 years, which has never had a delinquent payment. They saw that I had finished paying off my college loans in  XX/XX/XXXX .   <P/> However, Chase Bank was basing their decision regarding my application on my credit report from  XXXX , and not from the  one  provided by  XXXX .  <P/>   XXXX   XXXX   credit report for me, however, was erroneous, since  XXXX  had not reported any information from  Chase regarding my Chase Freedom card. And Chase  knew that this information was erroneous since they knew that I had an active credit card account with their company for nearly a decade.  <P/> I wrote to   XXXX   regarding this error, requesting my credit report from them, since I could not apply for or access my credit report on their website or over the phone -- despite giving them my personal information each time I inquired. Attached below is a letter ( with blacked out personal information ) that I sent to them  on  XX/XX/XXXX .
I questioned them about a 60 day lateness on my credit report from XX/XX/XXXXand explained that I have been on XXXX XXXX since XX/XX/XXXX. So I was either in an XXXX status or XXXX XXXX status. They stated they were not showing a lateness in their records. They asked me to send over a copy of my credit report so they can have it removed. My first call was XXXX XXXX, XXXX and email. My next email was XXXX XXXX, XXXX. On XXXX XXXX they responded and requested another copy of my credit report. On XXXX XXXX XXXX I sent another copy of the credit report. I have not heard anything and the items are still showing on all XXXX credit reports. I would like for them to remove the derogatory items from my credit.
I recently submitted a complaint ( REF # XXXX ) requesting Planet Home Lending to modify the date on my foreclosure to reflect the CORRECT DATE OF XXXX XXXX, XXXX. Instead of changing the INCORRECT DATE of XXXX XXXX, they changed it to another INCORRECT DATE of XXXX XXXX. Due to this, my wife and I are unable to get pre-approved for a home loan and we are supposed to close on XXXX XXXX, XXXX. While we appreciate some sort of action was taken to remedy the aforementioned complaint reference number, it was not the correct action. We submitted the substitute trustee deed showing that the CORRECT DATE IS XXXX XXXX, XXXX. PLEASE REFERENCE THIS ATTACHMENT.
In XXXX XXXX, I accepted a credit card from Barclays Credit Card Company with a {$4000.00} limit. I paid every month ( never missed a month ) most times over the minimum amount until I lost my job in XX/XX/XXXX. I continued to pay until XX/XX/XXXX. However, with the astronomical interest rate of 22 % I have not been able to keep up the monthly payments which were over {$100.00} or more monthly. Because of this high interest rate and other charges, I am sure I have paid well over {$6000.00} on a {$4000.00} loan. I contacted the credit card company, asking for a lower interest rate, therefore a lower monthly payment, or a settlement of the account. I was told that I was not eligible for any of these options, and I was not offered any recourse. I am XXXX years of age, not in the best health, and only receive social security benefits and a small pension. 
I certainly do not want my social security benefits garnished as this is all I have to live on. It has been so hard finding work. I have interviewed and not called back for the jobs. I think it may be because of my age, or credit rating. of course I can not prove this. Any advise you can provide will be greatly appreciated. I am now 3 months behind on the credit card. 

Sincerely
I had a checking account with XXXX Bank. In XX/XX/XXXX there was fraud on the account for which we filed a police report. In late XX/XX/XXXX we went into the XXXX, AZ branch to notify them that fraud had occurred on the account. No action was taken at that point by XXXX XXXX. Since the no action was taken, the account remained open and an automatic draft went through placing the account in a negative balance for a few dollars. The amount of the reported fraud was more than the amount the account went negative. If the fraud had been processed the account would never have gone negative. Because of the negative balance, XXXX XXXX  added 6 overdraft fees ( NSF ) for a total of {$220.00}. 

In mid XX/XX/XXXX I receive a letter from XXXX XXXX stating the account was in negative balance. The same day XXXX received the letter I went to my local XXXX XXXX   branch to get this cleared up and provided them with a copy of the police report. I was told by the banker i spoke with that they would begin working on resolving it and that I would be contacted with further steps. I specifically asked the banker to confirm this would not be placed in collections until I was contacted. 

I did not hear back from XXXX XXXX until early XXXX when I received a letter stating the account was now in collections. At that point I have gone to my local branch to get this resolved but keep being run around in circles. I submitted a fraud claim with was denied without notification to me. I contacted XXXX XXXX again and the claim has been re-initiated, but I do not have confidence any action will be taken. 

I have asked repeatedly that this be taken out of collections given the previously explained information with no action from XXXX XXXX.
I am XXXX and could not work for over 3 months. I like to work PT just to get out of the house. I explained to them what had happened and I would try to pay what I could. Being on XXXX. XXXX is not very lucrative considering I used to make {$19.00} an hour before I became XXXX. I keep that PT job to make up for these other bills that I can barely pay trying to avoid bankruptcy. They call constantly ... .EVERYDAY ... ALL DAY LONG. At one point ... They called me 5 times all in a row like a pyscho stalker. One right after the other!!! I do n't know how many times I got to tell them the same story but they are not making my life any easier right now as I am looking at XXXX # XXXX here soon. I wish they would stop hounding me like this. They basically call on the hour, Every hour from different numbers. This is how bad I get harrassed!
In conclusion, one online bank rep cost me a lot of money but this company cost me a great deal of time. 

One Friday in early XXXX, Ally Bank froze my debit card because of some {$3.00} charge I 've yet to see any proof of. When calling to unlock my card, I had to answer my series of five security questions multiple times before being informed my card would have to be replaced. I did n't have time to verify all my account information to get my card that night, and since the replacement was 7-10 business days away, I was in no rush for cash from them. 
I called back early the next week to try again. I got my replacement card mailed and I waited until last week to activate it. I followed the steps and the automated systems said it was active. I went to get cash and found it was n't working. When I called, a little irritated, I was told there was some issue and they would need to reissue another card. Another 7-10 business days! No thanks, I told them if they could n't get this resolved in this call I was going to another bank. 
They connected me to someone else, a 3rd person that morning, when this person asked me my security questions again. At that point in time the only point of view I had was " I verified my security questions with them 2 times, on this call alone, this is the 6th call I 've made to try and get money, this has to have been the 20th time I 've answered their questions and they 've done absolutely nothing, not one thing to make progress. '' I told them I was switching banks. 

I signed up for another bank but it was too late. The rep locked my account so all my debits failed, including checks on joint accounts. They put a lock and told agents not to handle that I had to call a number and speak to someone specific. 

This number did n't work but they were instructed I had to call from a number on my account and NOT TO TRANSFER. 

Essentially pushing me into a dead-end oath that cost me hundreds of dollars but more importantly, hours of my time. 

I really wish there was some way to hold them accountable so companies with online-only presences are n't exploited like this.
Previous attempts ( complaints ) to remedy the situation have not been addressed. Simply sending me the terms of my lease agreement does not answer the question as to why I was reported late XX/XX/XXXX and XX/XX/XXXX due to well known errors and deficiencies and the GM financial website. The GM financial website Displayed a XXXX  balance owed in XX/XX/XXXX. Based on this information no payment was made. The XX/XX/XXXX payment was made a few days late which caused a 30 day late assessment. This again occurred for XX/XX/XXXX causing a cascade effect. The fact that GM financial uses this website to except payments should imply implicitly that the information displayed on the website is correct. It was not. The website has been updated and corrected which now shows the correct payment amount. This in itself, clearly implies that GM financial was well aware of the problem. I would like the XX/XX/XXXX and XX/XX/XXXX late payment reports made to the credit bureaus reversed. I am guessing there are thousands of other customers who experienced the same problem which has other implications.
Experian is reporting false information about a satisfied judgement. I have asked them to investigate this, and they have and came back and said that the judegment was valid. Attached is a letter from The Honorable Judge XXXX " XXXX '' XXXX XXXX XXXX XXXX Court, who claims this was never even reported to any of the XXXX credit reporting agencies. Also attached is the information that is published on my report, and my additional attempt at disputing this.
XXXX XXXX XXXX IS REPORTING THAT THEY HAVE AN ACCOUNT THAT BELONGS TO THEM.I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX.XXXX  HAS THAT I OWE THEM FOR AN HOSPITAL BILL, I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX XXXX XXXX. I have contacted XXXX, XXXX & XXXX credit beureas on these matters. I need to get these ACCOUNTS REMOVED from my credit reports.thank you.
on XX/XX/XXXX i want to log in my online banking to make a payment XXXX dollars, after i type my password three time, everything is correct but the bank said is in correct then log my account .it make me late payment that ; s not the first time after i type the password it said is in correct, happen for more than 4to 5 time and i try to contact the customer service IN XX/XX/XXXX i contact customer service i wait more than hour until i hang up still no one answer my phone? than on XXXX XXXXi try again i wait for almost 2 hours same thing until i hang up still no one answering my phone today i call again still no one answering my phone .what kind of customer service they provide.up to today my online account still can not use it.
In XXXX I was denied employment due to credit. The job was financial related and required a good credit report. Two weeks later I was denied housing because the company stated my credit report showed debt to another housing provider. I pulled my Equifax credit report and discovered an inordinate amount of errors. There were over 50 errors total on my report. I sent them a letter immediately explaining and showing in detail why each item was an error and asked them to investigate and resolve. In XXXX they sent me back a letter saying that they had completed an investigation and verified all information. It was a very blanket letter not outlining how they conducted any investigation. I then sent them a response showing that these were in fact errors and should be either updated or deleted ( based upon each individual line item 's situation ). The response I received was almost an identical letter to the first one they sent. It did not address any of the my concerns at all. Overall I have repeatedly contacted this company in hopes that they would resolve these errors and they have not. Ive sent letters in XXXX, XXXX, and XXXX immediately upon receiving their repossess and have receipts of certified my mail being received by them each time. To date I am still unable to secure housing or a suitable job because of these errors. I. work in finance and can not afford to have such errors on my report. In addition to all of the negative errors I also discovered thatchy are not reporting at all on many of my positive credit lines. I have contacted my credit card companies to confirm that they report to the bureaus nd each confirmed that indeed they do report. Therefore there is no sufficient reason why my positive credit lines are not reported and thus why all of these erroneous negative items are reported. I am in a world of trouble because of this negligence and they just keep sending back the same letter saying they verified the items. There is no way to verify something that never happened. When I asked for proof of these items belonging to me in the form of anything I authorized or signed or even recordings where I gave approval I received nothing repeatedly. Please help me. 

Thank you
There was a charge I my account for a purchase I did not make. When I bought the furniture there was a grace period of being interest free. During the dispute process I was told not to make payments as the exact amount of the furniture was now in question. While his was being disputed the grace period ended. I was not informed that the graces. Period would continue while this was in dispute. As a result the credit card company kept charging me finance charges, interest and late fees which is now more than doubling the amount of my furniture. I paid off the amount t of the furniture and the late fees and interest herded and finance charges continue to rack up. I have tried for 2 years to resolve this with the company unsuccessfully and his had dramatically affected my credit. I have now lost my job and because of the affect on my credit I can not apply for loans.
I have been disputing a charge on my American Express for several months now. I ordered some items from XXXX XXXX, and they never shipped XXXX of the items ( a TV ). XXXX XXXX agrees that the item never actually shipped, although they created a tracking number. American Express finally responded today, saying that they could n't reverse the charge because XXXX XXXX denied the chargeback. They provided documention, which actually confirmed that the item was never delivered! 
American Express ' response today was that this is an automated process, that a real person does n't get involved at this point. Now they say that a real person will get involved, but that it could be another XXXX8 weeks for the problem to resolved. Not acceptable.
After 7 years of me paying my taxes directly to the city XXXX NJ Chase decided to pay the taxes on my behalf therefore creating at XXXX plus escrow shortage thus leading to a XXXX increase in my monthly mortgage payment.  While Chase "investigated" the issue they recommended that they temporarily suspend my auto debit. I agreed.  I was told to make a manual payment.  I went online to make the manual payment and my account presented that I was still enrolled in auto pay therefore I did not make the payment for risk of being charged XXXX at the higher amount. 30 days later I was told I was delinquent. Chase will not amend the reporting. They say that despite representing no change (i.e. still enrolled) in my auto pay status online I still needed to make a manual payment and that I should have called them once I saw the online status.  At no point did anyone in customer service disclose to me that the temporary auto pay suspension would NOT be reflected online and that I should make a payment regardless of the online auto pay status.  I now have a mortgage delinquency reflected on my credit report.  Chase refuses to make an amendment even though this issue was caused by their erroneous payment of my taxes (which has been reversed) and failure to disclose the auto pay suspension status on my account online. It is my belief that Chase paid my taxes knowing that it would create a XXXX escrow deficit which for many would have resulted in foreclosure.   It wasn't until I spoke to multiple customer service reps in their tax department and weeks of investigating the issues was it ultimately resolved.  Nevertheless, they still refuse to change my credit reporting status because my auto pay was merely "suspended" and not "canceled", even though neither was reflected online.
Received a call on my mobile phone from a local number I did not recognize (  XXXX  ) and let it go to voicemail. The voicemail revealed it to be a " robocall '' and the transcript of that message is as follows : " This message is intended for  XXXX   XXXX   XXXX . [ sic ] I 'm calling regarding some pending complaints here that 's been filed in our offic e. Press 1 no w to speak with a live agent or to contact our office at a more convenient time please dial  XXXX . Thank you in advance for your cooperation. '' According to information found online this number i s Miller Stark Klein & Associates (   http : //millerstarkklein.com/ ), a debt collection firm. I have not had any business dealings with this firm. Further, I have no debt which could be legally collected. Their statement about " pending complaints '' seems to indicate a pending legal action.
XXXX XXXX RAN MY TWICE ON TRANS UNION AND XXXX IN ERROR WAS SUPPOSED TO BE SOFT ONLY.
I received a credit card from Bank of America that I did not request. 
( card # XXXX ) Exp XX/XX/2020 )