WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  is reporting inaccurate information and according to the FCRA everything that is that is reported on the credit report must be 100 percent accurate. Looking at my credit report and a response from the debt collector there is 2 different open dates.FAIR COLLECTIONS & OUT states that the account was sent to their office on XX/XX/2017 but it is reporting on XXXX  that it was open on XX/XX/2017
This   XXXX   XXXX   account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted   XXXX   XXXX   to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all three credit reporting agency 's and report the information back to   XXXX   XXXX   directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from   XXXX   XXXX   as well as the third party collection agency. The collection agency never reported anything to   XXXX   XXXX  , not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted   XXXX   XXXX   directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with   XXXX   XXXX   to resolve this issue however I have been unsuccessful in doing so. I also requested that S  XXXX   XXXX   provide any signed contract documents proving this account was opened by me which I have not received, in doing this   XXXX   XXXX  e has violate the FCRA. I have also submitted request to all three credit reporting agency 's for verification ( signed documents ) of debt which   XXXX   XXXX   did not provide to  XXXX ,  XXXX  or Experian nor myself ... however its still reporting on all three of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and   XXXX   XXXX   to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
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Thank You
I am trying to make a transfer from a Bitcoin 'Vault ' to a Bitcoin Wallet. The transaction is not allowed to go through, as it says there is another transaction in progress. 

The problem is that it is impossible to be any other transaction in progress. Any 'Vault ' transaction should automatically cancel after 48 hours ( as per their security rules ). The last time I made a transaction was in XX/XX/XXXX ( now XX/XX/XXXX ), hence, should be nothing currently in progress. 

I have contacted support, several times, and since XX/XX/XXXX they have stopped responding to my messages. The problem still continues ( XX/XX/XXXX ).
OnXX/XX/XXXX, fraudulent charge for {$25.00} was placed on AMEX Department Stores ( Macy 's ) store card that had never been activated and I received a call that a fraudulent charge had been made. Charge, however, was still processed and I was charged late fees and reported to credit bureaus for non-payment while the charge was in dispute.
After several calls to the company, requested paperwork filed with credit card company and investigation was completed. I received a letter dated XX/XX/XXXX that indicated that all charges and fees had been removed and credit bureaus had been notified to update my report.
More than 90 days later, late payment for XX/XX/XXXX still shows on all three Bureau reports. Repeated calls to the credit card company have failed as they claim they have updated the bureaus fully. Requests for further investigation from the credit bureaus have resulted in the account still showing the late payment for that month. All sides refuse to take any further action while this fraudulent activity is still impacting my credit score.
I was contacted by XXXX at Integrated Svs. regarding a complaint that had been red flagged for fraud. When I returned XXXX called he indicated that the issue for my dad ( Sr. ), they were n't able to give me information without him.I called the company back on three way with my dad. The customer service reps attempts to verify the last four digits of a SSN. It is not my dad 's number, so he says no. The CSR proceeds to provide DOB that is my brother 's. My dad says no and then the CSR starts yell and say that he is lying and he knows it 's him. I try to interject and let him know he had the wrong person. He told me I needed to shut up and listen. He threatened legal action and mentioned some other judgement. He 's still yelling and I 'm trying to out yell him to let him know he has the wrong person. He continues to spew insults saying that " the whole family has issues paying bill ''. I told him he has a problem and he proceeded to say " I do n't have a problem, I go to work everyday and pay my bills ''. So many other things were said by XXXX that seemed totally inappropriate and harassing.
I got a phone call from Procollect Inc in XXXX XXXX about a debt that I did not know. This debt is based on the leasing contract of the apartment that I have never lived. I thought it was scam and ignore it. But I got a mail from this company in XXXX XXXX. After checking my credit record, I found that it was appeared in my credit record in XXXX XXXX. 

I requested Procollect Inc to send the proof showing I owed this debt in XXXX XXXX. They sent a leasing contract between DTN management and the person who had a similar first name and same last name, and went to the same University to me. However, that person is a clearly different person from me based on the full name, gender, passport number, and student ID and degree based on the record in the contract. 

I sent a letter stating that I am not the person who owes that certain debt with a proof ( a copy of my passport ) in XXXX XXXX via certified mail. However, Procollect did not respond after that. 

Now I find that the name of the person who made the contract with XXXX was added to my credit record as XXXX of my names and this debt is still in my credit record ( as in XXXX XXXX ). My credit scores have been dramatically decreased since they called me.
Credit use was accessed thru someone that i lived with. This XXXX XXXX " payday loan '' creation / use was fraudulent ( not authorized by myself ).
I signed up for the Chase XXXX card in XX/XX/XXXX when the card was offering a " uncapped anniversary free night at any of their XXXX   hotels. '' On XX/XX/XXXX, they announced all customers would have their uncapped night limited to XXXX points and with a very resteictive list of hotels. They then backtracked a little and allowed said " customers who signed up from XX/XX/XXXX to XX/XX/XXXX will still get an uncapped anniversary free night their first year. '' That leaves all customers who still signed up for the offer ( who haven't had the chance to redeem the one year annivery night even once ), that can't redeem their uncapped and unrestricted night. I am a customer who did not get this option due to singing you " at the wrong time ''. I contacted phone support and they stated that all customers are being downgraded within the year, but that still allows most customers that are within the XX/XX/XXXXto XX/XX/XXXX window to use their free night. I feel like I've been ripped off. How come I don't get the first year unrestiected night like the people who signed up after XX/XX/XXXX? As of XX/XX/XXXX, anyone who signed up before XX/XX/XXXX falls under the conditions with the restricted night, even if they have no had the opportunity to claim a unrestricted Anniversary night. This is unfair to the consumer. I want this fixed. I want this to be fair. Be right like all normal credit card companies and grandfather in the customers for their first year, it's only fair.
I disputed a collection item by Pinnacle Credit Services, receive a email from XXXX and XXXX that they verified the debt. So I asked them to provide me with a copy of the information they used or that they had on file to validate this collection to this day they have not provided this information or removed this item from my credit report. Pinnacle on the other hand sent me a copy of an account summary report ( this is not what I asked them for ) I asked them to provide me with a copy of the original contract that I signed with them proving that I owed them the {$290.00} debt they have as a collection item on my credit report. I still have not received that information from them. 

As I understand the law once the original creditor receives a charge-off they forfeit all rights to collect that debt and no third party can assume the role of the original creditor.
We are having a huge credit score problem. 

Two months ago, I hired a new nanny for my children. We added a credit card for her under our XXXX XXXX account for food and household expenses. Our understanding was that our liabilities would not show up under her name. In face, we were told so by XXXX XXXX. 

Two months later, my nanny 's credit score was completely ruined : It went from XXXX to XXXX in a matter of days. We always pay off our credit card each month and have never missed a payment. One month, we had a high balance mid-month which showed up on our nanny 's credit report ... even though it was under our names and not her name. 

I called XXXX XXXX to explain the issue. She is an extremely responsible person who had a XXXX credit report. How could her credit be ruined because of my balance ( which again, was not an outstanding balance and was paid on time )? 

XXXX XXXX again explained that she should not assume the liability and that they will issue a " deletion report '', which will delete our credit card information from her credit report. 

However, when we contacted the credit agencies, they said that her credit score will not go back after the deletion report. There is simply nothing that they can do. 

This is extremely unfair that a responsible, hard working person 's credit score can be ruined in such a manner. These balances were never under her name. More over, we were always in good credit standing because we paid this balance off on time. 

This type of random, aggressive credit score punishment has a major repercussion for her life. She can not rent an apartment or take out loans for other important things in her life. She is a responsible, hard working person who takes care of XXXX young children every day. This is extremely unfair and a failure of the system.
We currently have an auto loan with  Ally Financial, Ac ct number  XXXX . Vehicle  XXXX   XXXX   XXXX  purchased in  XXXX . This journey started for us when we were in the process of purchasing a home and our credit report reflected o ver 16 past  due payments being reported b y Ally  Financial. Now, how is it possible that we would have  16 pa yments, 30 days past due and still have our vehicle. Immediately, I got on the phone wit h Ally Financial to  explain what we found on the credit report. The representative then informed me that it our payment was current, but we had {$700.00} in late charges. At this point none of this made any sense, so I then filled a credit dispute. The documents I provided was the entire account payment summary, the account transaction summary which shows the date and time we logged into the system to make a payment. I also sent  Ally Financial a ce ase and desist notification via account messaging, due to unsolicited phone calls with inaccurate account information. The response to that letter was to call customer service. At this point my only request was for account verification because we did not owe {$700.00} in late fees, and a billing summary showing when we were considered late. On  XX/XX/XXXX   Ally Financial  mailed us a payment history summary reflecting late charges in the amount of {$250.00}, AND reported our account as a charge off. We submitted a dispute about Ally falsely reporting a charge off, when the account is actively being paid and that was removed. Keep in mind, as of today  XX/XX/XXXX  our credit report still reflects that we were late 16 times and owe {$700.00} in late fees. In  XXXX  we were charged late fees when we were on a 60 day, followed by a 30 day extension. In  XXXX  we have  XXXX  late fees although we were on a 30 day extension for  XXXX  and the other was paid on time. In  XXXX  from  XXXX  until  XXXX  ally financial report that we were  XXXX  consecutive days late. Again, how is that even possible when we still have our vehicle and the transaction summary shows that we made our payments. The same applied for  XXXX  where we were reported late 6 times with  XXXX  consecutive 30 day past due. According to the total paid amount we paid off close to the balance of this loan back in  XXXX  of  XXXX  {$38000.00}, why are we still showing as having payments in  XXXX ? We have tried outreaching, we have mailed letters and still there has been no resolve.
i Called the number that is on my navient bill and spoke to a gentle man who said that i qualified for a student debt relief program. he said that there was {$600.00} filing fee. i gave him my credit card and social security information and navient account number. he said that he worked for navient.
I was in school during XX/XX/XXXX and unemployed in XX/XX/XXXX, when I reached out to then XXXX XXXX inquiring about Economic Hardship, or any programs that will help lower my monthly payments. I was only offered forbearance which still accrued daily interest on an Interest Only Loan. When I was granted my reward letter from unemployment, I was only receiving {$150.00} weekly. I was only receiving these funds for a total of 18 months in the amount of {$2700.00}. Provided this was my only income, I had to maintain a roof over my head and pay other bills. XXXX XXXX took a financial statement regarding all my expenses and still made the decision that I did not qualify for Economic Hardship. I still paid a total of {$330.00} monthly. After I gained employment XX/XX/XXXX, I was able to get back on track to make high payments. I inquired about releasing my Mother as the Co-signer, I was advised if I made 12 on time payments she could be released. I held up to that claim only for my Mother not to be released as requested. The College I attended faded out my program of XXXX XXXX XXXX back in XX/XX/XXXX. At this time, I am unable to utilize my degree. I applied for several jobs only to be told, I need to go back to another Institution take a course that I can obtain a XXXX. The program that was offered at XXXX College was a XXXX program. I will not go back to take out another loan to utilize my degree. I have a XXXX XXXX XXXX XXXX with an outstanding balance of $ XXXX. This is insane to owe this much money for a XXXX XXXX that is null and void.
many years ago i had XXXX installed in my home XXXX to XXXX rooms then i returned all equipment and discontinued service because they were raising prices to extent. so then they said i did not return a box from XXXX or later. i went down took all the equipment i had leased and was paying for monthly then they came up with equipment was not turned in now i was only getting charged monthly for the equipment i turned in they came back saying the i owe XXXX for equipment.. From XXXX they have been reporting to credit bureau and hitting my credit.
I used my Citi Bank credit card to book flight tickets on XX/XX/2018 at XXXX XXXX EST. The round trip itinerary was from XXXX to Washington DC. The transaction amount shown was {$1200.00}. On XX/XX/2018 I realized that I used wrong dates when making the reservation. I requested a cancellation on XXXX XXXX website at XXXX XXXX EST on XX/XX/2018, and then I did receive the cancellation confirmation from XXXX XXXX XXXX ( the Merchant ) stating that they had received my request. 

On the Merchants website it stated that Notwithstanding any contrary booking terms and conditions and/or fare rules, for online bookings made via our US Website, and seven days before departure, you may cancel the paid reservations within 24 hours after purchase for a full refund in accordance with our refund process set out at Changes, Cancellation and Refund. 
I contacted Citi Bank and opened a dispute on XX/XX/2018 regarding this charge as I hadnt received refund from the Merchant.

Citi Bank asked me to provide supporting documentation, I submitted the booking confirmation email as well as the cancellation email, both sent from the Merchant.

Citi Bank then contacted the Merchant but then declined my dispute as the Merchant told them the tickets were non-refundable. 

According to Department of Transportations rule ( see : https : XXXX ) as well as being stated on the Merchants website, the tickets I bought were eligible to get a full refund.
Vanguard reporting a unkown debt they claim I own to XXXX and refuse to validate this debt. They are reporting the account twice for the same amount.I have tried to resolve this by phone poor customer service over the phone sent dispute certified but no response from them.
Ditech adjusts my bi-weekly payment to be short of a full payment, sometimes as little as {$0.00}. I currently am set-up to make 1 full payment every other week. In addition there was XXXX occassions wher there was a reallocation and the amount of the principle increased and the payment went to unapplied funds.
I have a loan with a " company '' called XXXX XXXX - which was advised by XXXX XXXX to consolidate my credit cards. I have asked repeatedly to get my statement online - which have not received - have been told by this " company '' that they will send to me in the mail, the mail service here is horrible. Sometimes do n't get mail for 2-3 days - very unreliable. Do not understand how a company can not offer statement online. Also, this company originated in another state and after checking my correspondence from them, there are several companies located in XXXX XXXX, IL, XXXX XXXX, TX and also in Del. I do n't have a very good feeling about this company - since I can not even get a statement on line to know what the balance of my note is - very uncomfortable not knowing who or what I am dealing with. When I made this loan, it was online and approved for over {$7000.00} - have made multiple payments and never received any email or acknowledgement that the payments were received. This was do n't through the mail - at a much earlier time. Please look into this company - I will give you all the background on it I can - they are very secretive about their addresses, just XXXX XXXX. I am a widow and XXXX years old. Please do n't let me be swindled out of what I thought was an honest company and was trying to get my head above water. I see on your site that there have been other complaints about this company. Please investigate this company and it 's affiliates - there seems to be something fishy about them.
Navient charged off a loan i have been paying on that i was promised was included in my IDR ( income driven repayment ). I make payments about 2 months in advance. Originally it was charged off to  XXXX ,  XXXX   XXXX   XXXX  I was told they had had the loan since  XXXX . But i was never informed of this, i 've lived in the same home since  XXXX  and have had the same phone number since  XXXX . Navient apparently recalled the file from them on  XXXX   XXXX   XXXX , but charged it off to a new company in  XXXX   (  while this company still had it and while i 've been making payments to Navient ) I am now being hounded by this new company and i refuse to pay them while making payments to Navient. The new company has received proof that i have been paying Navient and agrees i 've been paying them, but because Navient is not putting the money towards the loan they charged off to this new company i am apparently responsible for both files ... I refuse.
SYNCB/GAP ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/GAP or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/GAP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Contributor : BANK OF AMERICA Contribution Ref # : XXXX XXXX Number : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MD XXXX SSN/Tax ID # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : MD Incident Date : XX/XX/XXXX Principal Loss : {$0.00} Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner I deposited a check from my account the check had my old account number on it. and the bank placed a fraud alert on my account. I told the teller that My dad XXXX and I had to close our joint account but I still had an account there. they flagged my account and closed it. I owe no money. I brought in my dads XXXX XXXX and our close account information along with my pen account information and they refused to reopen it. or remove the flag.