WillisBack/dataset-financial-user-claim huggingface dataset:
On my Equifax report there is two late payments from XXXX XXXX XXXX XXXX showing up..I have never missed a car payment and believe there was some confusion when my insurance and Gap insurance paid off my car..I spoke to the bank about this issue and was told to contact Equifax about fixing the problem..
Wells Fargo obtain my mortgage a few years ago and during this time fraudulently placed my home in foreclosure by stating that I never made a payment to them which was n't true. I was instructed by a lawyer to file for bankruptcy to prevent them from doing this. This process will force them to acknowledge the payments I made and prove their claim. An appraisal was performed on my home that was authorized by Wells Fargo which raised my insurance to an astronomical amount that exceed the worth of the home, I have no legal grounds to fight this new tactic by Wells Fargo,
Repeatedly, I have asked for the company XXXX to furnish me with copies of receipts, invoices, un-authorized signature purchases, and they refuse to do the diligent searches, efforts or comply with my requests. Instead, they have persisted in showing the balance as mine as personal, and owing, which I have adamantly DENIED. It was reported, and they DENIED this, and can not or will not forward the 'purchases ' to me. And then they report this to the 'CREDIT BUREAUS ' which post a NEGATIVE and as a result shows a lower XXXX number than I should be enjoying. This by all means needs to be corrected, or this company should be held accountable for denying me my buying power, and by 'dunning ' my worthiness as a legitimate purchaser. I need the help that you can lend, to make this creditor comply. Thank you.
My problem with Experian report, credit item XXXX XXXX XXXX showing filed chapter XXXX on XXXX XXXX last report, that is Totally wrong, I filed BK chapter XXXX on XXXX XXXX XXXX first time I disputed was on XXXX because experian show BK chapter XXXX and they change it to CH XXXX, but they mist up that Account must remove from the report by XXXX XXXX but still until XXXX XXXX. 
I disputed several times for last two years and every time I disputed the Result comes worse than before, like Account is scheduled to continue on record until XXXX XXXX and XXXX XXXX and XXXX XXXX and last one until XXXX XXXX, so every time i disputed it show like I just filed BK. 
I send them all documents like court order, date of filing and discharge date, and I ask them to give me they source and they never did, XXXX Information on the report its wrong I tried to contact with them but wrong INFO. XXXX XXXX XXXX on the report is XXXX XXXX XXXX TX XXXX. I got mail back, and phone number XXXX is disconnect. 
Please I need your Help, I 'm not asking for fever I 'm asking for my right. 
by the way all accounts are removed from my credit reports XXXX XXXX except XXXX, and if you need any more documents let me know. 
Thank You,,
These inquiries I did not authorize. 
Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016
On XX/XX/XXXX, I was contacted by XXXX XXXX from Legal Recovery Law Office, located in XXXX XXXX, CA. He stated that he was attempting to collect on a judgment in the amount of XXXX. This is the amount that they reported to the credit bureau. He stated the judgment was for XXXX, however, per the court records ( I verified on XX/XX/XXXX ), the judgment was for XXXX, which included the full debt amount, punitive damages of XXXX and attorney 's fees of XXXX. He stated that they added their judgment filing fees and court costs and fees and that the last time it increased was in XX/XX/XXXX, raising the amount to XXXX I believe that he has violated the FDCPA by misrepresenting the amount of the judgment, and the amount owed, and also by sending false information to the credit bureau. 
I am deeply concerned that they will continue to add fees once the debt is negotiated and/or settled.
The following occurred on XX/XX/2018. An advertisement on the online banking portal indicated I qualified for a {$25.00} gift card. The exact wording was " As of your last statement, you've earned enough rewards for a {$25.00} XXXX  giftcard. '' After believing this to be true, I followed the hyperlinked " redeem now '' button, I was taken to a different product or service from online banking called Chase Ultimate Rewards. I attempted to redeem the {$25.00} XXXX Giftcard, and I was, in fact, not eligible. I went back to the regular Chase online log-in to see if I misread it. The same advertisement popped up again, this time for a {$25.00} XXXX XXXX  Giftcard. I repeated yet again and got an advertisement for a {$25.00} XXXX Giftcard. After clicking redeem now and taken to the Ultimate Rewards program, I was not eligible for a XXXX XXXX  Giftcard, and I was only eligible for a {$5.00} XXXX Giftcard. 

I believe this to be a clear case of a deceptive action known as " Bait and Switch ''.

The three prongs of deception are met in this instance : 1. There must be a representation, omission, or practice that misleads or is likely to mislead the consumer.

I was misled to use the Ultimate Rewards program based on a misleading representation. My intent was to use only online banking, and the advertisement lead me to an entirely different program.

2. The act or practice must be considered from the perspective of the reasonable consumer.

Admittedly, I am not a reasonable consumer. However, the advertisement was clear and deceptive. Anybody reading the words " As of your last statement, you've earned enough rewards for a {$25.00} XXXX  Giftcard. '' would believe they have earned a {$25.00} Giftcard to XXXX.

3. The representation, omission, or practice must be material.

This is an express claim about the benefits of Chase 's Ultimate Reserve program. This claim misled me to use a program I did not intend on using at the time. If I was ineligible for the reward, Chase should have stated that fact with the advertisement
I have contacted Equifax multiple times between XX/XX/XXXX through XX/XX/XXXX regarding account information not being update accurately and timely. Equifax ALWAYS say they did n't get any updates from my creditor, however my creditors XXXX XXXX and XXXX XXXX  verified that they have sent over updates. On XX/XX/XXXX all 3 credit bureaus were notified to update and delete a collection item from XXXX XXXX XXXX {$1200.00}. After many calls and disputes it took Equifax untilXX/XX/XXXX to remove the collection. There was an issues regarding me being an unauthorized used on a credit card that was reporting to my credit. The creditor XXXX XXXX with a balance of {$630.00} sent over a request to remove the account from my report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I even filed a dispute on XX/XX/XXXX regarding it and it took Equifax until XX/XX/XXXX to update the report. Now I am dealing with issues from Equifax on updating my XXXX XXXX XXXX account that was sent an update onXX/XX/XXXXfor {$370.00} and Equifax said they never got the request from my creditor, however I spoke with the creditor XXXX XXXX and they send the request to update on XX/XX/XXXX. XXXX XXXX Credit Card also sent over a request to update on XX/XX/XXXXfor my Credit Card with a new balance of {$140.00} and Equifax is stating they do n't have it. XXXX XXXX reported an additional update on XX/XX/XXXX from their last update XX/XX/XXXX due to their error, however Equifax is refusing to update stating 1. It would have to wait until my normal update of XX/XX/XXXX and 2. They did get the request from XXXX XXXX Also after having the original two items deleted from my credit report ( XXXX XXXX and XXXX XXXX XXXX Equifax decrease my credit score although my overall utilization balance decreased as did my total collection balances. Equifax is the only Credit bureau that does n't update my credit information in a timely manner. In addition they alway use the excuse they did n't get the information. I do n't have these issues with XXXX or XXXX. They get the same reported information from Creditors ( XXXX XXXX, XXXX XXXX, And previous creditor XXXX XXXX ) as does Equifax. Equifax is difficult and most often blames all their issues regarding updating credit reports on their system or the creditors. Equifax does n't update the accounts in a timely manner cause consumers like myself to suffer. After 2 full months my credit score has n't moved although I 've have many significant changes to my credit report.
A credit card account, previously charged off, was settled with XXXX XXXX as agreed. [ See attached letter from XXXX XXXX ]. XXXX XXXX has requested that credit bureaus do update this account to reflect that no balance is owed. 

Despite XXXX XXXX request, Trans Union and XXXX have refused to do update this account.

I am requesting that Trans Union and XXXX update this account to reflect a balance of XXXX   since the account has been settled and nothing is owed.
Sold my home of XXXX years and upon reviewing the closing statements the debt collection law firm of McCullough Payne & Haan , LLC, presented a lien filed against me on XXXX/XXXX/XXXX in the amount of Principal {$3700.00} plus interest of {$2300.00} Plus attorney 's fees of {$580.00} plus court costs of {$100.00} to equal a Grand Total of {$6700.00} it is my understanding that the lien was placed WITHOUT any proof of Service as they could n't find me in the city although I maintained the same home address from XX/XX/XXXX through XX/XX/XXXX. I believe they used the same illegal tactics as was used by another debt collection firm that thecfpb has any action against ( XXXX XXXX, XXXX XXXX XXXX ) which also represented XXXX XXXX Bank. 
Again my understanding the lien is good for seven years and was refiled XX/XX/XXXX. and again appears to have paid {$7.00} XXXX/XXXX/XXXX I do n't know if these steps are correct or not and since I never received service on the original lien I would think the Liens were not legal! 
I had a closing attorney get involved and he negotiated a {$4000.00} reduction of the total presented in the closing documents for a new net total {$13000.00}. 
I believe this debt collector mirrored the practices of XXXX XXXX XXXX XXXX XXXX and just churned out non serviced liens to the court and the court just believed the lies and went along with being duped.
Citibank initiated funds transfer upon account closure ( acct # XXXX ) to XXXX saving account # XXXX on XX/XX/2018 ( Item # XXXX ). However, this account was closed on XX/XX/2018. Hence, per XXXX, the incoming funds were rejected and sent to XXXX XXXX XXXX who acts as a clearing bank for CitiBank 's bill pay service on XX/XX/2018 using tracing # XXXX Upon contacting XXXX XXXX XXXX, they have not been able to locate the funds and requests Citibank to issue a recall notice. 

Please do not close this complaint till I get my funds back.These funds are my only savings and is causing me lot of stress and agony. 

Attached is the letter of XXXX bank and the proof of transmittal
The account was through XXXX XXXX and it was an auto loan and it was repossessed. XXXX XXXX XXXX is the owner of the debt apparently and they had XXXX XXXX XXXX XXXX XXXX, which seems to be a scam group, call me and threaten me. Said that they were going to file a criminal case for fraud against me. Threatened me, used vulgar language with me, called several family members and aquantainces and gave them personal information about me and the debt. Spoke to my dad at length with no permission. Gave him account numbers, amounts. Left personal information about me on several peoples voicemails, which i still have saved. They called back to back numerous times. I never received any information in writing, they said they mailed a ton of documents to an address i haven't lived at in 3 years. Yet, my address where i live now, is where the vehicle was picked up at. So my current address was updated. Then they refused to send me any documentation or proof of the debt in question. a guy i spoke with told me " I just really don't know what kind of documentation you want. I'm telling you now what you owe ''
Macy 's credit card continues to charge {$2.00} " interest charge '' even though I always pay my balance in full. This only started happening recently. 
I logged into my account today to find it past due, with a balance, despite the fact that I have not used the card in months.
First contact from " collection agency '' Natrional Credit Systems, XXXX XXXXXXXX, XXXX XXXX XXXX was a letter dated XX/XX/XXXX. 
Letter stated they were collecting a debt for " The XXXX Apartments '' I did at one time live in The XXXX Apts., however I moved out on XXXX XX/XX/XXXX, having paid rent through XX/XX/XXXX. 
Until I received the letter from National Credi there had been no contact made with me concerning any " debt ''. 
National Credit claims they are attempting to collect a debt in the amount of {$1800.00}. No explanation gives as to what the debt concerns?? 
Also, National Credit has already reported the debt to all three Credit Bureaus, without any previous contact with me to resolve the situation. 
I have also filed a complaint with the XXXX  Atty. General regarding this " case ''. 
I have researched XXXX Credit Protection Laws and can find NO documentation that National Credit has filed a Surety Bond allowing them to do business in XXXX ...
My husband at the time lived there we were separated. I never lived with him. There was a no contact order on him and I have proof of it.
The consumer reporting agency has repeatedly falsified information on my credit report.the false information has made a drastic negative impact on my credit score, this impact has prevented me from goals such as home ownership among others. The reporting agency has updated information on several accounts that have been closed for a extensive time, thus violating the fair credit reporting act. The following are closed accounts that have updated as late or past due in recent months. 
1.XXXX - closed XX/XX/XXXX showing past due in XX/XX/XXXX also showing incorrect amounts2.XXXX - closed XX/XX/XXXX showing as past due in XXXX3.XXXX ( XXXX ) closed XX/XX/XXXX showing as past due XX/XX/XXXX4.XXXX ( XXXX XXXX ) closed XX/XX/XXXX showing past due XXXX5.XXXX closed XX/XX/XXXX showing past due XX/XX/XXXX6.XXXX closed XX/XX/XXXX showing past XXXXThese items are reporting as if they are recently past due, thus leaving new creditors to believe my current situation is such that I may not pay them responsibly.
I submitted a dispute online on a debt with XXXX XXXX Hospital that has been settled. This was confirmed by a representative of Experian when I asked him to look at my old file. He said that the old debt collector has instructed Experian to delete the negative report on the supposed debt. I asked Experian why it would accept a file from a new collection agency, XXXX, on an old debt that Experian acknowledged has been settled. The rep said that it has no control on who files what on credit reports. 

On the online dispute I filed with Experian, I just received notice stating that the debt is confirmed by the creditor, but the creditor it listed is the collection agency, not the original creditor. I do not think Experian did any investigation other than asking the collection agency, XXXX, to respond to the dispute I filed with Experian. The provided contact number and address of the original creditor turned out to be those of the debt collector, XXXX XXXX. 

Experian is being irresponsible in just accepting the report of the collection agency even though its own representative, informed that this is an old issue that has been settled, still went ahead and reported that this debt has been confirmed as valid based on the say so of the collection agency. 

I think the collection agency is being clever by half in changing the amount owed from the original amount of {$1500.00} it filed to now {$1500.00}. I suspect this is to throw off Experian to think that this is a new debt.
I received notification and phone call from National Credit System about a debt said owed to XXXX XXXX, I contact XXXX XXXX in regard to why i was receiving calls from National Credit System. XXXX XXXX XXXX stated that the previous property management showed I owned a debt but they could not locate the owed debt or a file belong to me. I have documentation on final payment and a move out clearance letter from XXXX XXXX that no balance are owed.
Experian is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please remove it from my credit report. Both XXXX XXXX XXXX credit cards accounts are being report inaccurate.
Hello, I was using XXXX constantly for sending/receiving XXXX. But because I visited XXXX XX/XX/XXXX-XX/XX/XXXX this year, my account was disabled because of sanctions between XXXX and US, I guess. I received an email which said I need to contact support team of Coinbase to enable my account, but I could n't reach them for the last 2 weeks. I am reaching you with the hope that you can help me enable my account, or at least help me get back those funds left in my account. Thanks
My SS and other information was potentially exposed in the Equifax hack ( I checked on their website ). I have just placed a fraud alert with XXXX. I have not yet observed any fraudulent activity on my accounts.
On XXXX/XXXX/15 and without prior warning, Citibank sent me a notice that they had decreased my credit limit explaining that my credit report " shows a delinquent credit obligation, either paid or unpaid, with another creditor ''. ( See letter attached ) Upon investigation I found that XXXX had made a clerical error in reissuing a card to an erroneous address. This was the only late payment reported to XXXX and XXXX immediately took steps to remove the faulty report with credit agencies ( see letter attached ). I have called Citibank to share with them the letter I was sent by XXXX but they have declined to review it. Citi still refuses to reinstate my previous credit limit so I find myself a victim of how the credit bureau oligarchy conspires against individual consumers. A mistake on my credit report, once remedied, should not have irreversible repercussions across other lenders ... let alone a bank i 've used for literally decades without incident.
My loan servicing provider recently changed ( effective XX/XX/2018 ). Upon receipt of my first statement, 1. Not only was my current payment not credited ( {$670.00} was due according to my statement from the previous servicer, XXXX, and I paid {$700.00} ), there is another charge for " Total Fees and Charges '' in the amount of {$1500.00}. These dollar amounts don't add up. 

2. There is a charge for " Deferred Balance '' in the amount of {$2200.00}. I have paid this account consistently for many, many years and do not have a " Deferred Balance. '' I have never deferred anything on this account.

3. I requested a payoff from this company once on the phone ( XX/XX/18 ) and twice in writing. I have yet to receive the payoff quote.
Re-Kohls Department Stores Credit Card Division XXXX, Wisconsin XXXX Complaint : 1. Credit card statements no longer itemize purchases, it only shows dates and store location which purchase were made from.

2. Recently Kohls published their late payment warning showing a penalty late fee of {$37.00} plus interest if payment is not received by listed date.

3. Our last statement indicated a closing date of XX/XX/2019. Statement received on XX/XX/2019, delivered by US Mail. The statement showed a due date of XX/XX/2019. 
Fraud, I believe that this division of Kohls sends their statements out late or holds them back from mailing increasing the possibility that the returned payments will be received late and posted after the due date. This would increase their revenue by {$37.00} per month from each payer. 
4. I attempted to relate this trend to corporate, explaining that their customer 's will see this fraud and will result in losing customers, revenue, and creating stockholders losses. This message unfortunately fell on deaf ears.
Western union is has been collecting money transfers but not making the funds available for pick up. They keep the money for weeks and then refund it back to your account.
I was checking my credit report thru XXXX and noticed I had a collection account for {$26.00}. I called the collection company listed on my report XXXX XXXX XXXX to find out about this {$26.00} that was in collection and was told that XXXX XXXX XXXX XXXX was filing the complaint for XXXX XXXX XXXX XXXX said I owed {$26.00} dollars from a emergency room visit in XXXX. I filed a dispute and called the collection agency XXXX and told them I never received a bill for {$26.00}. from XXXX XXXX. I told them I had XXXX insurances and I never have a balance for medical care. It turned out that they only filed my XXXX and XXXX and didn file XXXX for XXXX which pays whatever is left over from XXXX and XXXX which was the {$26.00}. They took the XXXX billing information and said they would file it. 
I thought everything was taken care of until today when I checked my credit report to see my score had dropped from XXXX to XXXX because of this collection of {$26.00} and another acct. for {$79.00}. XXXX never took this off in spite of my constant calling them. 
I need help in Equifax removing this as it never should have been on my report.
I have a a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
The interest that has been charged while I was deployed and was being recalled to XXXX XXXX was around {$1300.00}. I tried to send them all of the sets of military orders to have help with the SCRA and they hang up on me every time and will not respond to me or give me an answer or help me.
In XX/XX/2008, I discovered that Regions Bank opened an account for another person in Arkansas using my social security number. I tried to correct this issue and the issue was not resolved. I closed my account with the bank however, received no confirmation of the other account being corrected.