WillisBack/dataset-financial-user-claim huggingface dataset:
I received notification from a few of my Credit morning service that Commonwealth Financial XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX had added something negative to my report for {$67.00}, with a open date of XX/XX/2019, I have never received anything from this company, they are fraudulently reporting accounts that does not belong to people to collect money. The account does not belong to me. I have never received anything from anyone saying I owed {$67.00} for anything. I called commonwealth and they advised me of the alleged company that reported this, I called that company and they informed me that they do not have any accounts past due or current, also even if an account was sent to collections it would still show in their system. This should not be on my report, and should be removed! Commonwealth Financial does not licensed in the state of Florida and have no right to even collect on any debt in Florida! Please look into this company their reviews by thousands of people they are committing fraud against. Please help me becaus this is not right!
Back on XX/XX/XXXX my mortgage was in the process of foreclosure, however during negotiations thru my attorney and XXXX XXXX XXXX 's attorney a resolution was reached to pay the back charges due and resume normal activity with mortgage, with no foreclosure and we remained in the home. This was completed sometime in XX/XX/XXXX. So for 6 years I have since made all payments as requested and per monthly statements I receive. Tax 's and Insurance is up to date. The last reporting date on my credit bureau, shows XX/XX/XXXX, and shows current under " payment status ''. But " account status '' shows " closed '', when the balance is XXXX from XXXX when this was worked out through XXXX XXXX XXXX, so balance as dropped as shown, I am not being given credit on bureau since XX/XX/XXXX, and this reports on XXXX and Trans Union. I have called many times but can not get this resolved, and always have to speak to a automated person, or be transferred to someone else who can not help me, except they say " it takes time for updating '' Really? its XX/XX/XXXX, a year and half, since they lest reported. I am not sure why it stopped reporting, as it was reporting current payment but with a closed account?!? I am confused, and need this corrected.
I used my Citibank credit card to purchase a set of ear buds. 
I have 120 day theft protection on purchases with my credit card. 
Within a month they were stolen from my gym. 
I go to a private gym in my building that has controlled access and only for use by members who live in my building complex. It is not open to the public. 
The battery ran down so I placed them in a cubicle with my cell phone and keys while I finished my workout. 
The cubicles are provided for members to place their personal belongings in and members put their cell phones, pocketbooks, keys, etc. 
The cubicles are in the same room as the equipment. 
The ear buds were missing when I went to retrieve my items. 
I reported the theft, obtained the police report, and submitted a theft protection claim with Citibank for {$130.00} ( the cost of the earbuds. ) Citibank never responded in writing. On the phone they denied the claim since the earbuds were not locked up. I appealed however Citibank refused to honor the benefit.
Equifax, XXXX  and XXXX  are all reporting bankruptcy on my credit profile. I've disputed this information they continue to report inaccurately without validating the information.
I called XXXX XXXX in reference to transaction from XXXX XXXX XXXX for XXXX wanted this returned to account for no services provided and they Blocked my card and living I the bought new card ending XXXX and tried activating but Netspend told me to email verification ID. Social security card. XXXX bills and I did 10 times to XXXXXXXXXXXX spoke to several foreign degrading reps then. @ XXXX XXXX XXXX XXXX advise they have email.but I will only have unlimited use and I ca n't transfer money from blocked card ending XXXX. This Is only financial Institutions in united states that is treating consumers like this and the Government Needs to shut them.down!
I received two collection notices from Credit Collection Services regarding two debts to XXXX XXXX XXXX. The issue is that I cancelled my XXXX XXXX insurance at the end of XX/XX/XXXX and my account was in good standing. It seems they never cancelled my account for XX/XX/XXXXand instead turned it over to collections without contacting me, and collections in turn waited 2 years before contacting me. Upon receiving the initial notices, I requested a debt validation, and the only validation I received was a letter stating " we contacted your creditor and confirmed your placement data '' which does not seem very validating as I distrust the legitimacy of this debt to begin with. I do not know how to refute this, as the collectors correspondence does not include information on how to, but I would very much like to.
Experian was notified on XX/XX/XXXX that the XXXX XXXX account had been charged off on XX/XX/XXXX. Prior to XX/XX/XXXX Experian was reporting the XXXX XXXX account as closed, current, and never late. As of XX/XX/XXXX Experian changed the XXXX XXXX account to Derogatory along with a balance of {$800.00}. Experian Credit Reporting Acengcy also listed that the account had been charged off on XX/XX/XXXX. That is seven years after the actual account was charged off. This is re-aging an account and is illegal. The account is over seven years of age and should not even be on my credit report!!!! The original loan was never even in my name. It was a car that my husband leased in his name. I will include letters from XXXX XXXX showing only my husband listed as the borrower, proof of when the account was charged off, copies of my credit report from Experian Credit Reporting Agency showing that they charged off the account one month ago on XX/XX/XXXX. I am now getting notifications as if I just filed a bankruptcy, when in fact my bankruptcy was discharged back in XX/XX/XXXX.
On the year XXXX, I had an overdraft account of {$520.00} with XXXX Bank Acct # XXXX now its named TD Bank. 
In XXXX I attempted to open a checking account and was unable being that I was added XXXX. 
I am aware that I have to pay my debts but I read that being that this debt is more than 15 XXXX old TD Bank should not have reported me to XXXX. I am in the process of filling Bankruptcy and not sure if this presently should apply. 
I am sending this complaint for you to be aware that TD Bank has made it quite difficult/impossible for me to open a checking account which presently I do not have, And possibly have done this to others. 
I have attached the original Collection Agency notice of my overdraft at XXXX Bank in XXXX. 

Thank you! 

.
XXXX XXXX has re aged this Capital One account. The account was opened in XX/XX/XXXX-XX/XX/XXXX yet they are reporting that it was opened XX/XX/XXXX. In addition they have not sent any information regarding this account and nor have they given me the opportunity to dispute.
Pinnacle Credit Services is refusing to verify the account. I was sent that the dispute was " Frivolous '' and they do not have to respond to the credit dispute that was sent. Upon calling the company another company named XXXX has the account. Pinnacle reports to the Bureau and diversified handles the account. 
I tried to do a " Pay for Delete '' offer and XXXX will not address the offer by saying they just show the account " paid '' and do not report to the agencies. Pinnacle does the reporting to the Credit Bureau. 
I tried calling Pinnacle Back and they keep transferring me to XXXX by saying they only have the creditor name and my name for the account. 
XXXX is not verifying or addressing my debt and will not let me remove this debt from my credit report.
I contacted Experian on XX/XX/XXXX regarding a tradeline reporting on consumer credit report, that has a number of documented egregious errors. I have been paying on an installment loan regularly since last year ( XXXX ) and have proof of payment. However from XXXX - XXXX of this year ( XXXX ) I have an anomalous reporting of 3 back to back 120 days late for EACH month. Besides not not being late at all. the structure of the reporting is wrong for the following reasons : to be 120 days, one must first be 90 days late, to be 90 days late one first be 60 days late and to be 60 days 30 days. NONE of which are reported leading up to the first insistence of being 120 days late, further.If I have not been paying my account then subsequent to the first instance of being 120 days late, I should be 150 days next and then finally 180 days late. Understandably this reporting errors have caused great harm to my ability to secure personal AND further business funding. If we reason that if It was reported I was 30 days late at anytime in the past AND it were true in XX/XX/XXXX it  would have been now 6 months ago and my credit score would of been recovering from a single incident of only 30 days late, not an undocumented pop-up of 120 days in the middle of the rolling 6 month snapshot.
I submitted a certified letter to Equifax dated and signed for on XXXX/XXXX/2015. today is XXXX XXXX, 2015 and have yet to hear from Equifax. I want Equifax to remove thee questionable accounts I request to be investigated, since they failed within the 30 days to notify me of their results. They had 30 days to investigate and get back to me with the results.
I opened a checking account with Citibank on XX/XX/XXXX through a promotion which was supposed to pay me a {$400.00} bonus. I should have received the bonus on XX/XX/XXXX. I have yet to receive the bonus. I called Citibank customer service on XX/XX/XXXX to resolve the issue, and was told they were opening an internal investigation to resolve the issue within 10 days. I have not heard back from them since, nor have I received my {$400.00} bonus.
I have notified Experian Numerous times they are reporting inaccurate information on US BKpt Ct Al XXXX. They have verified to me that the information is correct and accurate. Well, when you call the Phone number they have on file is disconnected or no longer in service. I have called Experian numerous of times and also have sent certified letters On XX/XX/2018, demanding proof of information to be corrected. When I also called they say they have never received a certified letter from me in regards to this matter. It is a Credit Bureau Method Verification Letter. You will find attached a copy of this letter attached.
I hired Lexington Law Firm to remove questionable and negative items from credit report and paid up front and they never performed work or promises and ask for more money
XX/XX/XXXX  I reported incorrect credit reporting by Wells Fargo.
In   XXXX    The final payments requested were not loan payments but disputed fees not subject to credit reporting.
In response, rather than correcting the information the bank retaliated and posted new negative information causing a lower credit score.
I am currently in the process of refinancing my home mortgage, after the application process we were advised an appraiser was selected by the loan servicer it resulted in a low appraisal based on unrepresentative comparable properties used with several clerical errors cited in the appraisals were addressed to the loan officer. The loan officer with US Bank only stated that appraisals are iron clad and will not change rather than reviewing the valid errors presented or advising of any recourse for the process of a challenge. I emailed the loan officer on XXXX/XXXX/2016 a detailed appraisal challenge and ask that he submit the information to the appraisers office XXXX Since there was no response from the loan officer I made several attempts to reach him leaving voice mails on separate occasions until I made several follow up calls to his superior with messages left then the loan officer accepted my call after advising the operator that I would have to cancel my loan since there were no responses from the loan officer or his supervisor on XXXX/XXXX/2016. He began to repeat that the appraisals can not be changed yet when asked about the challenge I submitted on XXXX/XXXX/2016 he revealed he did not read the email and that he did receive it, I informed him I would like to have the information reviewed by the appraisers office and he advised he will submit it to his manager. The manager called me on XXXX/XXXX/2016 XXXX and requested XXXX XXXX for the suggested comparable properties in the appraisal challenge which was scanned and emailed XXXX/XXXX/2016. The manager then emailed asking for properties that were XXXX miles from the property with the report shows was the closest property in proximity to the subject property however all of the comparable properties used had an incorrect distance to the subject property. The XXXX suggested comps are exactly the same distance as XXXX of the properties used in the report so I requested that they be used since the appraiser used properties in the immediate area. There was no further response. I would just like a fair and accurate report.
This debt was discharged in my bankruptcy case ( XXXX District of IL XXXX ; discharged XX/XX/2008. ) It was dischargeable under the Bankruptcy Code as it was a private educational loan that was issued in an amount greater than the Cost of Attendance at my school ( I had already received a Pell Grant and Federal Student Loans directly from the college up to my Cost of Attendance that same semester ). Notwithstanding the bankruptcy discharge, this debt continues to be reported on my credit. I have disputed this debt multiple times with all 3 credit bureaus to no avail.

This debt originally had a co-signer, and while it may be appropriate to continue to report on behalf of the co-signer, it is no longer appropriate to report it under my name.
An agency known as Midwest Recovery Systems contacted me on XXXX/XXXX/16 via the phone stating I was about to be served with legal papers. Since I have heard this scam before, I yelled and them and hung up. I found an entry on my XXXX credit report today that dropped my credit score by XXXX points which alleges I owe {$680.00} to a company known as " XXXX XXXX '' which I have never heard of and have never done business with. I never received any written communication from this company nor anything stating I have a right to request verification and dispute this so-called " debt '' as per the Fair Debt and Collection Act. They have harassed me and placed a mark against my credit for a matter I know nothing of which appears to be downright fraudulent. I have requested an investigation with XXXX and also to never be contacted again by these people.
This is a complaint against US Bank for operational practices preventing customers to set up automatic payment withdrawal resulting in late fees to customers for additional fee income to US Bank. US Bank does not process the form and send an incorrect version of the Authorization of Automatic Payment form which is rejected once finally processed. This apparent intentional operational inefficiency has cause me late fees near {$220.00} despite proactive attempts to pay my lease payment. US Bank 's call center supporting leasing client is systematically set up to send customer the incorrect form. I sent in at minimum XXXX completed forms to their provided XXXX XXXX XXXX XXXX WI. On my lucky XXXX time where the form was finally processed, it was rejected for being the " wrong form. '' The " correct form '' asks for exactly the same information as the " wrong form. '' The only difference is the creative layout and basic title copy. This nefarious operational practice creates additional fee income for US Bank. XXXX Banks call center reps and supervisors were unwilling to name their regulatory body. They also will not remove any late charge fees unless by bank error. A clear case for removing my errors was escalated up to Assistant XXXX XXXX XXXX with no action taken. This is a clear unprofessional if not illegal business practice forcing late fees from great customers.
In XX/XX/XXXX, I was disbursed a Federal Perkins Loan for my first year of XXXX XXXXl at XXXX University. This was my first year of three for XXXX XXXX. I subsequently transferred to XXXX University XXXX XXXX XXXX in XXXX XXXX   XXXX. I did the subsequent two years of XXXX XXXX in XXXX XXXX  XXXX. When I moved, I still had this Perkins Loan outstanding. My loan servicer is XXXX for this loan. 

After graduating from XXXX XXXX in XX/XX/XXXX, I again moved to XXXX, XXXX. On XX/XX/XXXX, I logged in to XXXX ' portal to find out that I was 60 days overdue. Not once has XXXX contacted me about my repayment options, when my first payment is due, what my interest rate is, or any other information regarding this loan. The effect on my credit report has been drastic : my score has dropped from mid to high 700 's, down to 650 's. 

On the phone, XXXX lied to my multiple times. First, I asked them what address they had on file. They responded : " XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX. '' This address does not exist. They said they've been mailing notices since XXXX of this year. I'm pretty sure the USPS sends mail back to sender if the address isn't correct. Second, I asked them how they are going to correct this. They said they are going to correct the negative credit reporting. Then, they said they can not. They are deflecting responsibility. 

There are several issues here : 1. ) I provided my address to XXXX University when I moved. 
2. ) I was never told until I called XXXX a few days ago that XXXX was my Perkins loan servicer. 
3. ) XXXX was using a fake mailing address, and they tried telling me it is a proper address. 
4. ) XXXX had my correct email address on file.

5. ) XXXX never used my correct email address.

6. ) XXXX never attempted to contact me using a correct contact address prior to my payment due date, my delinquency status, or any other repayment options.
I was in a financial Hardship where I lost my job and could no longer afford my car payments. O recently scarficed my right & the company came to repossesse the car informing that the car would be placed in a auction & the profit that is made from the auction would be placed towards my loan. I originally had another card from usauto sales that was a XXXX XXXX XXXX that I was paying {$180.00} for every two weeks however o traded it in for another car which was a XXXX  XXXX XXXX that supposed to be a push to start & the payment increased to {$250.00} every two weeks. Company told me that I can trade my car in after 3 years but didn't inform me that my payments will increase. Company did not want to work with me during financial hardships
This guy made a transaction on XXXX XXXX 2017 from Jpmorgan Chase Bank New York to XXXX in XXXX. The fund available to recipent should be on XXXX XXXX 2017. But till now the money still not credit to the XXXX Account. i checked with this guy he said the money in on hold, due his default. i think he is telling lie. i wonder the consumerfinance are able to help me on this. i have transferred XXXX {$8700.00} from my XXXX XXXX to his provided bank account in XXXX. but he ask for more and threaten me that if i am not helping him again, his account in Jpmorgan Chase Bank will hold his transaction to me. i hope consumerfinance able to help me on this. XXXX {$8700.00} are my saving, i feel XXXX XXXX if i ca n't take back. <P/>i hope to hear from you soon. Thank you
My name is XXXX XXXX and I have a complaint with Castle Pay Day. I received a loan from Castle Pay Day XX/XX/XXXX which stated I was to borrow {$800.00} and a one time finance charge of {$200.00} which I agree to pay which made the loan a total of {$1000.00}. Castle Pay Day sends out text messages XXXX day in advance to my phone before taking money directly out of my checking account. I start making payments XX/XX/XXXX amount of {$200.00}, next payment XXXX XXXX, {$200.00} XX/XX/XXXX in the amount of {$200.00} and XX/XX/XXXX for {$200.00}. Castle Pay Day know says that I still owe them {$1000.00} because I have not been calling them to verify that the money has been collected. Castle Pay Day did not before I receive the loan mention anything such words as to call before making a payment. Castle Pay Day sends out text messages before taking my money ( " to reply or call if you have questions or wish to modify your pmt amt. For Help reply HELP ) ''. And before they take your money Castle Pay Day sends out text message to inform you they have withdrawn money from my account. I have called Castle Pay Day several times ( XXXX ) to resolve the issue. I only want my money that Castle Pay Day took from my account to apply to the loan that was issued to me. Castle Pay Day says that the money that I already gave them was for finance fee, which I was told it would only be a XXXX of {$200.00} for finance fee. I only work part time ( XXXX hours wk ). Please help me solve this matter. I do not want this on my credit report. In the mean time I have block Castle Pay Day fro taking money from my checking account, but I would like to pay the remainder of what I owe Castle pay Day which should be {$200.00}. Thank You Sincerely XXXX XXXX : XXXX : XXXX XXXX XXXX, XXXX, CA. XXXX
on XXXX/XXXX/17, I submitted a complaint against XXXX XXXX XXXX. in which the account was closed with no monetary responsibility on my behalf. Every credit bureau has since then removed/closed the account from my credit report except TransUnion, they are continuing to report this closed account as open and derogatory. I have documents proving my argument.
A fraudulent medical debt has been placed on my credit report by a company named Capio partners the original debtor is XXXX XXXX XXXX XXXX. THIS FRAUD DEBT was placed on XX/XX/XXXX with out me being notified of this debt also my credit score has took a few tremendous hit I want 100 points added back to my credit immediately and to be compensated for fraud.
I receive calls every day from XXXX along with messages stating they are calling me about a debt. I have never received a notice in the mail stating I owe money to anyone. When I researched the telephone number online I found that they call to collect a student loan. Our student loan payment comes out of our checking account religiously every month so there should be no reason for a student loan collector to be contacting me. Also, as I have already stated, I have never received any paper notice in the mail and I check my mail every day. So I believe this is a scam.
I 've been challenging the incorrect and incomplete items on my credit report withExperian for quite some time with minimum success. I 've sent out countless letters to them certified return receipt to only get responses like " New Information Below '' or " Suspicious Activity ''. As per section 609 ( c ) ( 2 ) ( E ) and 611 ( a ) ( 1 ) ( A ) all data furnishers are required to produce the original signed documentation when challenged to solidify the accuracy and completeness of the alleged debt. Experian has failed to do so on many occasions.
received a call from XXXX XXXX XXXX. He claimed to be from XXXX XXXX. And was offering a 2 for 1 credit repair package. My boyfriend talked to him first and gave him bank card info and his social sercurity number. When he put me on the phone I was instantly alarmed. Then I found out my boyfriend was naive enough to disclose that info I started asking man on phone how I can research him and make sure this is legitimate. He started stumbling over his words and gave me his number and extension. Name XXXX XXXX. I told him I can't confirm him through him. I need to be able to contact XXXX XXXX  and do that. He instisted on me just calling that number. Then asked to speak back to my boyfriend because he had his info and credit report pulled so he could close the deal with him. I said most definitely not. I could hear people in background that sounded like they were playing video games. I told that guy I was to check out his credutials and if I found anything weird at all I was going to report him. He hung up. Thats a great scam he has going on. He gets ssn, bank info, name and dob. All key things you need to steal from someone. I am so angry right now. Told my boyfriend to never give that info so freely!!