WillisBack/dataset-financial-user-claim huggingface dataset:
I have  XXXX  dismissed chapter  XXXX  cases on my credit report. Upon filing the latter  Chapter   XXXX  case, I included  XXXX  creditors on my form to the bankruptcy department. I later decided not to go through with the bankruptcy and received a voluntary dismissal. All  XXXX  credit bureaus have listed these bankruptcies as dismissed. I disputed both accounts with all  XXXX  credit bureaus and have been told that because the accounts were reported in my dismissed bankruptcy filing I can not dispute the creditors.   The creditors could easily verify that I did not go through with the bankruptcy and investigate my dispute. Instead I am being punished by having the dismissed filing and having to wait 7 years to remove and not being able to dispute these  XXXX  collection accounts.     I HAVE SENT COUNTLESS LETTER S (  TRACKED ) TRYING TO GET THIS RESOLVED TO NO AVAIL. THE CREDIT BUREUAS ARE ALLOWING CREDITORS TO REPORT THAT I AM NEGATIVE EVERY MONTH EVEN THOUGH THEY SAY I AM CURRENTLY IN A BANKRUPTCY PROCEEDING.
Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$140.00} Amount {$140.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Creditor Classification Utilities Last Payment Date Date of First Delinquency XX/XX/XXXX I contacted the company and they confirmed that the account was not mine and that they would rectify the credit reporting error.
Equifax has all of my credit and personal information and has allowed itself to be hacked exposing my family and me to possible fraud.
I purchased a car for about {$14000.00} almost 4 years ago.I gave XXXX down payment and I 've made my payments of {$380.00} each month, sometimes more and three years later my balance is still {$14000.00}. When I try to ask questions I can barely understand them and they said it is because I made a few late payments. I need file a suit against them. Does anyone know what steps I can take against them. Is what they are doing legal?
I was sent a citicard pre-aproved invitation for their double cash rewards Master Card. This is the second XXXX they sent. When I went online to accept I was denied a credit card with them. Now my credit score is affected because I took their word that it was already pre-approved. Two times they have done this. I need these applications for pre-approved credit removed from my credit history. Can you do this for me?
I consolidated my student loans through XXXX XXXX. XXXX XXXX disbursed the payment to pay off my loans in full to the other companies. AES was XXXX of the companies that I have a student loan with. XXXX XXXX sent the check on XXXX XXXX, 2016 to the loan companies. AES has not posted this payment to my account yet. I called to see what is going on. I spoke with XXXX in customer service. He said they have not received any payments. I asked to cancel my direct payment for the loan that was coming due on XXXX XXXX, 2016. XXXX said because it was less than 3 days from that date, they could not cancel the payment. He said I could call my bank and block the payment, but that would put late fees on my account. The other option he gave me was to call XXXX and then add AES to the call and have the XXXX companies and myself talk and work it out. I am XXXX with my husband for military reasons and have no way to do a call of that nature with multiple parties. I called XXXX XXXX and they were able to confirm they sent the check on XXXX XXXX, 2016 and that it had been cashed by AES on XXXX XXXX, 2016. Still on XXXX XXXX, 2016 this payment has not posted to my account. They then went ahead and took out the direct payment of {$61000.00} on XXXX XXXX, even though they received and cashed the full payment for these loans on XXXX XXXX. To take money from someone who does not owe money is fraud and terrible business practice! I want my money returned along with the interest that has been accruing on these loans since XXXX XXXX when they cashed the full payment.
I first contacted XXXX about the unauthorized inquiry. They informed me that I need to get a police report if I did not authorize the inquiry and to contact the actual company who placed the inquiry. I went to the police department and I have attached the document that I was given. I faxed over the information they requested just to be told that it was not good enough they needed an actual report. So unknowingly I called the police again and tried my best to get an " actual police report '' that they requested. Only to be told numerous times that they do not give actual police reports for this type of matter, only for car accidents. I added the card of the police officer whom made the report only to be told that they ca n't contact the police.Next I contacted Exeter Finance Corp the company who actually placed the inquiry on my credit only to be told that it was nothing that they could do because they received the authorization through XXXX XXXX XXXX even after I expressed to them that it was not me. I next tried calling XXXX XXXX XXXX multiple times leaving many messages unable to get anyone to assist me.
To give you some history and insight of what is going on I am starting from the beginning. I had an account with XXXX I disconnected with them and moved to a different cell phone provider. During my time with XXXX I financed my cell phones, and paid on these phones with the monthly billing. When I disconnected I still owed a balance, but was told I could make payments on the balance still owed on the phones, but it would eventually go to a XXXX party collection agency, which it did and it was an agency called XXXX. They continued to honor what sprint told me which was I make payments to them and it would not report to the credit bureau. Here is where the problems began ; Sometime in XXXX the account was moved to another collection agency called Diversified Consultants. I was not notified until XXXX but because I knew I owed this balance I called and said I wanted the same arrangement and to continue out my payments. I later called and wanted to validate the debt to make sure their records were correct because I had a different amount that I still owed, this was left on a rep named XXXX 's voice mail. Furthermore instead of honoring the same arrangement that I thought was going to be honored because I set up payments, they started reporting to the credit bureaus the debt they had on file. I am upset that they never gave me a date as to when they were going to report negatively and the fact that I am in dispute with the balance. Which I had to call a second time to put in this request, so while in dispute I also asked them to remove it from collection and to again provide me with verification debt/balance owed. I have yet to receive this requested information and feel they should remove it from collection as I never was given the notification that they were not going to honor the original agreement that I had with XXXX and XXXX. They also never once mentioned they would be reporting anything, and told me I did not have a right to know which I feel is against collection policies. As a consumer I should have the right to know when they are going to report, and if they are going to report, because I know not all collection agencies report a debt. Then they stated that it had been a couple months since they had this account and that it 's been since XXXX but I was not notified in writing until Mid XXXX and should not be held accountable to the sale date in there systems. I also was under the impression that they were under the same agreement as the previous agency was never made clear of their terms for collecting. I also requested for them to remove the debt while I am in dispute and that yet to happen.
Rewards points incorrectly subtracted from account in the first quarter of 2015 on a purchase and my account has been negative in excess of over despite me continuously using my card and earning rewards. Spoke with XXXX via Discover chat who confirmed that this should have not occurred. Transcript attached.
XXXX initially requested Equifax delete the account on XX/XX/2016 ( XXXX ), and Equifax refuses to update the file. On XX/XX/2016, XXXX again requested the account is removed from the Equifax report and provided me XXXX. Equifax refuses to remove the account.
I closed a Bank of America credit card XX/XX/XXXX and XXXX " pro '' just charged the card {$190.00} and BofA let the charge through! Commonly, when credit # s change or cancel or whatever, the merchant that was trying to charge the card lets the customer know that they were not able to complete the transaction. Instead of this, BofA let the charge go through vs making XXXX come to me. BofA also tells me it is also impossible to dispute as this was previously a recurring charge. SO, even if you close a card - it is not really closed! BorA should have told the merchant, XXXX, that this card was closed a year ago! In trying to resolve the issue on the phone with Bof A yesterday ( for an hour talking to XXXX different people! ) all BofA was telling me to do is take it up wth Vimeo!
Employees of this office were the not truthful about payoff amount. Employees were very rude and not professional. This business leave derogatory remarks on your credit report even when you are up to date on payments, or when you pay off loan early.
I was sent a letter from  Commonwealth Financial stating that they would notify fy the   XXXX  major credit agencies once i made the payment stated in the attached. They did not ... I have called multiple times to  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX .  XXXX , and  XXXX   XXXX  no response.
We applied for refinancing Fifth Third Bank in XXXX 2015. We filled out the application and opened an account as suggested, began our home banking, began submitting all documents and exchanging correspondence. As the months went on, several obstacles seem to arise and more documentation seem to be needed and supplied. And again more and more. Then time lines seem to pop up expire, get extended, expire and disappear. More paperwork and re-submissions. Phone calls and emails to one co-owner and not to the other so that communication was not clear ... .. Finally we told XXXX XXXX, NO MORE EMAILS OR PHONE CALLS. WE WANT COMMUNICATIONS IN WRITING VIA USPS MAIL ONLY. The next communication we received was an email from a regional manager saying that our application had expired! We already had assumed that this was fraud and that we had been taken for a " RED LINED '' ride! This was a HARP refinancing loan with our equity and XXXX mortgage.
I am XXXX  my identity was stolen XXXX XXXX  refuses to close those accounts .... they are constantly calling and reporting on my credit and other peoples credit its fraud the police report was submitted
ON XXXX XXXX, 2016 @ XXXX XXXX MY AMERICAN EXPRESS BLUEBIRD WAS HIT WITH A FRAUDULENT ATM WITHDRAWL IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX GAS STATION ) FOR {$300.00} ONLY PROBLEM I WAS IN XXXX USING MY CARD DAYS BEFORE THAT HOURS BEFORE THAT WITHDRAWL AND THERE IS ONLY XXXX CARD** I IMMEDIATLRY CALL AMEX TO REPORT PROBLEM ON XXXX XXXX AMEX LOCKED ACCT. UNTIL I COULD GET TO ATM TO WITHDRAWL REMAINING FUNDS IN XXXX THEN THEY WILL CLOSE ACCT. AND SEND NEW CARD ON XXXX XXXX, 2016 I RECIEVED AN EMAIL FROM THEM ASKING ME TO FILL OUT FRAUD PAPERWORK AND UPLOAD IT BACK TO THEM I DID** ON XXXX XXXX, 2016 I RECIEVED AN EMAIL FROM AMEX LESS THAN 24HRS. LATER THAT THEY DID AN INVESTIGATION AND FOUND THAT I WAS IN VIOLATION OF CUSTOMER AGRREEMENT XXXX. AND THEREFOR NO ERROR HAPPENED AND THEY WAS NOT GOING TO REFUND MY MONEY** BECAUSE I GAVE SOMEONE MY CARD AND PIN NUMBER ** ( WHICH IS NOT TRUE ) I WAS IN XXXX TRAVELING FOR MY JOB WHEN THIS TRANSACTION TOOK PLACE IN XXXX AND MY TRANSACTION WILL PROVE THAT** THERE IS ONLY XXXX CARD AND ITS IMPOSSIBLE TO BE IN XXXX STATES AT THE SAME TIME** AMERICAN EXPRESS LOCKED MY ACCT CLOSED IT DOWN WHICH STOPPED MY DIRECT DEPOSIT AND I HAD NO MONEY TO PAY BILLS AND I WAS IN ANOTHER STATE WORKING STRESSED OUT** I CONTACTED XXXX POLICE DEPT. FOR ASSISTANCE OFFICER XXXX INVESTIGATED WITH IN 24HRS. HE HAD WENT TO GAS STATION WHERE CRIME OCCURRED TALKED TO ATM COMPANY AND OBTAINED VIDEO AND PICTURES OF SUSPECT WHICH I HAVE ALSO** FROM THIS POINT I CONTACTED AMEX OVER 25 TIMES TO GET TO A PERSON WHO WOULD HELP NO LUCK JUST CUSTOMER SERVICE AGENTS SAYING THEY WILL PUT INFO IN NOTES IN MY ACCT. XXXX THEN I INFORMED THEM LAW ENFORCEMENT WAS INVOLVED AND THEY DID AN REAL INVESTIGATION NOW THEY TELL ME I HAVE TO HAVE THE POLICE TO CALL CUSTOMER PROTECTION SO THEY CAN TRANSFER HIM TO AMEX XXXX** I HAVE CALLED OVER 20 TIMES IN A MONTH TRYING TO GET SOME RESOLUTION NONE SO FAR **** EVEN XXXX POLICE DEPT. HAS CONTACTED AMERICAN EXPRESS BY PHONE AND EMAIL AS WELL AS PROVIDED THEM WITH THE INVESTIGATIVE REPORT FROM THEM** WHEN AMEX RESPONDED TO XXXX POLICE DEPT. THEY SENT TIME STAMPED DATES FROM THE XXXX XXXX SHOWING THE SUSPECT MADE NUMEROUS ATTEMPTS FOR MONEY, THATS FINE BUT IT HAS NOTHING TO DO WITH AMEX REFUNDING MY MONEY EVEN AFTER I HAVE PROVED AMEX NEVER DID AN INVESTIGATION AND LAW ENFORCEMENT HAS PROVED I DID NOT HAVE ANY THING TO DO WITH THE TRANSACTION THEY STILL WONT GIVE ME MY MONEY BACK, BUT THEY HAVE GIVEN ME ALOT OF RUNAROUND XXXX POLICE DEPT. TOO ALL IN HOPES I WILL GIVE UP AND I 'M NOT I HAVE EVERY EMAIL AND PAPERWORK *** AMERICAN EXPRESS DOES NOT PROTECT THE CONSUMER AT ALL THIER PROTECTION IS TO TURN YOU INTO THE SUSPECT AND PROTECT THEM FROM LOSSES** I HAVE FOLLOWED EVERY THING IM SUPPOSE TO DO AS A CONSUMER I DID EVERYTHING I NEED TO FOR AMERICAN EXPRESS STILL NOTHING BUT GAMES FROM AMEX**
TOLD COMPANY NEVER OPEN A STUDENT LOAN EMAIL AND CALL FOR PROOF OF DOCUMENT NOTHING WAS DONE
I bought an educational package from XXXX in 2014 and got enrolled into a payment plan which was to continue for a period of 12 months, the educational service was to continue for 12 months. I was making the payments on time but decided to stop making payments due to the violation of Contract by XXXX. Part of the services which was weekly support call and were deemed an important part of the services by XXXX and XXXX who was the individual who signed up. 
Those services were not delivered and due to the lack of delivery of the important part of the program and services which were mentioned while I was being lured into the program, my condition has not changed and I do not see any impact on my development in the area. 
This issue was discussed by XXXX one of your supervisors end of XX/XX/XXXX. XXXX understood my resentment towards XXXX and advised that if I bring the payment up to date till XXXX then he will try to resolve my issue. I brought my payments upto date.After that he left a message on XX/XX/XXXX as he promised and told me that he tried Contacting XXXX but XXXX never responded back to him. This is how XXXX is they want to take people 's money and do not want to deliver the services. Their contract is pretty generic and does not mention any details. They just want to rip people off. Also I tried contacting XXXX 4 times and left him 4 voice messages to follow up but he never returned my calls. 

At this point I do not think I owe anything to XXXX untill and unless they straighten up their act and start delivering their services as XXXX assured. If I keep making monthly payments with out getting any services then it does not make sense. Also to charge individuals around {$2500.00} dollars just for 4 30 mins sessions and not deliver on the following weekly calls do not make sense and is a rip off. At this time Moterey has started charging me interest on the balance and this is affecting my credit. I seriously need help and need CFPB to intervene and help me out.
Recently Key Bank acquired many of the facilities and accounts of 1st Niagara Bank. In communications from both 1st Niagara and Key Bank, customers were told that no change would take place, that we would continue with the same accounts : the account numbers would remain the same, we could use our 1st Niagara Checks, etc. We were also told that we could continue to use our ATM cards and ATM passwords. 
I am XXXX of those 1st Niagara customers that was " sold '' to Key Bank. Other than some initial problems getting Internet access to my accounts, things seemed to be going OK. Yesterday I received my XXXX statement for my checking account. On that statement I noted a {$1.00} fee for a " KEYMONEY ATM CARD FEE ''. I e-mailed the bank about this and was informed that this was because I did not have a Key Bank Debt card ( which Key bank apparently has designated as " their '' ATM card ). So unless I get a Debt card ( which I prefer not to do as such cards do not have the consumer protections that credit cards do ) I will have to pay a monthly fee to access my account via an ATM The bank also told me that this fee was disclosed in a XXXX page Consumer Disclosure Booklet. So apparently earlier statements to the effect that we 1st Niagara customers could continue as usual were not truthful. 
As a minimum, Key bank should continue to honor the 1st Niagara ATM cards with no additional fees.
at trans union it is different than any other credit report it is reporting that XXXX and XXXX and XXXX are bad accounts but they are not they were paid in full and closed by me
Wells Fargo closed my credit card without notice. I 've had an account with them since XXXX/XXXX/XXXX ; it 's the oldest on my credit report. I have never made a late payment. 

Today, I received a letter dated XXXX/XXXX/XXXX stating that my account had been closed due to inactivity for 6 months. When I called them, they stated that they would have to do another hard pull of my credit report in order to reopen the account. 

This puts me between a rock and a hard place : the closure of my oldest account, which has perfect payment history, is obviously bad for my credit score. But a hard inquiry for a credit card will also hurt my credit score for the next two years. 

Wells Fargo claims that they sent a letter on XXXX/XXXX/XXXX, indicating that they would close my account if I did not respond. There is no way to know if this is true, as I never received this letter and it was not sent via certified mail. I was also on vacation from XXXX until XXXX, as Wells Fargo was aware, since my travel plans were registered with them well in advance. 

Customer service representatives confirm that WF did not call me, email me, or send me a secure message via their website. It is my belief that they intended for me *not* to receive this message -- considering that they have exclusively delivered my credit card electronically, for years, I see no other reason why WF would eschew modern means of communication. 

It is absurd and unacceptable Wells Fargo would silently terminate what is by far my longest credit relationship -- I opened the account at age XXXX ; I am now XXXX -- without any notice. The expression " XXXX '' has never felt more pertinent : in exchange for responsible use of credit, they have forced me into a situation that is *guaranteed* to adversely affect my credit score.
I disputed the XXXX XXXX ( listed as XXXX ) on my Trans Union report. The account number is listed as XXXX They left it on my file. I contacted XXXX today and they have no record in any of their departments for a collection in my name. If this is the case, they could not have responded to Trans Union that they had a record for me. This means Trans Union did not even process this dispute but claimed that XXXX responded to them.
Experian once again sent me a letter when I asked them to provide me the documentation that my account with XXXX was actually late at any time. PER The law in section 609 They must have on file the physical documentation to support their reporting, EXPERIAN REFUSES to give me this information. They sent me a letter stating that the credit grantor has verified the information. This is nothing more than a FALSE Statement. They are not willing to follow the law in Section 609. I am not going to continue going through this with them. They are reporting inaccurate information against me and are unwilling to update the account and remove their negative reporting. They are breaking the law. I am demanding this be updated to show paid ontime as I Never missed any student loan payment at anytime.
I have reached out to XXXX XXXX XXXX  about account XXXX opened XX/XX/XXXX for the amount of {$300.00} with a current reported balance of {$480.00}. I contacted them in writing on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX about this account being a fraudulent account. I sent a copy of my police report, Identity theft affidavit along with copies of my license, and social security card. I have not received any documents or any correspondence back form this company. This is in direct violation to the Fair Credit Reporting act.
On Friday, XX/XX/XXXX, I called and spoke to a representative from Portfolio Recoverys legal department, to inquire about the balance on a XXXX account # XXXX. The representative stated that as a result of a default judgment that occurred on Monday, XX/XX/XXXX, at the XXXX Civil Court, the balance owed would be {$1300.00}. 

I informed the representative that at no time did I receive, or was I served a summons for the above-mentioned account, at my current address XXXX XXXX XXXX XXXX, NY XXXX. I have been living at this address since XX/XX/XXXX. This is the same address that XXXX had on record as of XX/XX/XXXX, and was the same address when Portfolio Recovery purchased the account on XX/XX/XXXX. 

Portfolio Recovery filed a lawsuit against me, and obtained a default judgment, knowing my current address, but failed to personally serve me, or even mail me a copy of the summons. I had no idea Portfolio Recovery filed a lawsuit against me, or the outcome until 3 days ago. 

From what I understand, this is a violation of the Fair Debt Collection Practices Act. ( FDCPA ) This collection account is also reporting inaccurately on my credit report, which is a violation of the Fair Credit Reporting Act. ( FCRA ) I am hoping to resolve this issue without having to obtaining legal counsel to have the default judgment vacated, and file a countersuit.
I have been having issues with Navient for a couple of years now. It gets old having to be paying one loan company then get switched to another. The school that I was attending was online and there is no way I can get information from them. It's like they don't exsist. I was doing good at repaying my loans then had some health issues that has not allowed me to work. I am a XXXX XXXX XXXX mom and take care of XXXX kids. I have no income coming in that is why I have been doing forbearances. In the past I was put on an income based plan, but now I don't work. I can't consolidate my loans to lower my payments. I have sent forms in for discharge of school loans due to my school isn't available online, and I haven't recieved anything back from the loan services. I have even sent emails and had no response. I wanted help to get figure out what I can do with my loans since I don't have any income coming in. The school that I attended kept taking out money from my loans and I wasn't even attending school anymore. There were also books and supplies that I never recieved and they still took money out. I have heard many complaints about Navient. It seems like every time the loan services switch the loans keep getting bigger. I want to get the resolved soon instead of having the student loans reach a point to where it isn't possible to pay back. Having my loans discharged would be great since I can't get any information that I need on XXXX XXXX online.