WillisBack/dataset-financial-user-claim huggingface dataset:
Debt Recovery Solution has reported to the CRAs that I owe them {$8600.00}. They stated that the account was opened on XXXX 2015 and that the account had the first major delinquency on XXXX 2015. 

I find out about it when I check my credit report. Since I do not recognize the company or the debt, I called them to obtain information. They told me the debt was mine from an old credit card that I had at some point of my live and that I had stopped making payments several years ago. 

I requested the validation documents, but I never got them. 

Assuming they are right and the debt is actually mine. Since they claim this is an old debt, then the open date can not be XXXX 2015, and the major delinquency date can not be XXXX 2015 and the date of last activity can not be left blank. 

Therefore, Debt Recovery Solutions has parked this account on my credit report, violation of the FCRA. I must be notified they are trying to collect a debt and that they will report to the CRAs. 
The collector has re-age the account, another violation of the FCRA, the collector falsely reported the dates. Finally, up to date the collector has not validated the debt, 3rd violation. 

I filed a dispute with the CRAs. The CRAs did not remove the account because the collector claims the information is accurate.
First Progress Card is reporting that I owe them on all XXXX of my credit reporting agencies. I 've never opened up a card with this company. 
1. I 'm requesting an application with my signature on it 2.I need proof that this account belongs to me
I 'm requesting to have this debt removed from the XXXX credit bureaus. I have not idea what this is from and it 's affecting my families ability to seek the financial help we need. I 've attached the mark on my credit report. 

Thanks, XXXX XXXX
In XXXX XXXX 2017, I submitted online a bill pay to an individual for {$3500.00} via my account with XXXX, XXXX XXXX XXXX ; the check was issued on X/XX/2017 by Northern Trust. After the payee received the check & attempted to deposit {$3500.00} to her own bank account, her bank/credit union however could n't deposit the funds because of " Return Reason - Refer to Maker '' dated on XXXX XXXX, 2017. I opened a case with XXXX via phone call. I then received a call on X/X/2017 from the corporate office telling me that the check was cleared & issued as submitted ; later on the same date, I emailed XXXX the photo/file of the returned check : refer to maker that I received from the payee 's bank. On X/X/2017, I called XXXX & Northern Trust to find out why my payment to the payee was returned or stated 'refer to maker ', I was simply informed by agents at XXXX & Northern Trust that the check on X/XX/2017 was issued and I 'll receive a copy in the mail in a few days. I stated that we all know that the check was cleared on X/XX/2017 after my bill pay request, but both XXXX & Northern Trust did n't answer my question as to why the check was n't cleared by the payee 's bank returned nor to further investigate as to why the check was returned -refer to maker. For whatever the reason, the check is not good ; therefore, I 'd appreciate a sincere effort from both XXXX & Northern Trust to look into & resolve the matter. Should the old/bad check need to be voided and another check to be issued, please expedite the process as my payment to the the payee was way past due.
My name is XXXX XXXX. Conrad Credit Corporation does not stop calling me. I have asked them in writing to stop yet they call me anyways. Its to my understanding that when you ask a debt collector to stop calling and to communicate in writing only that they are supposed to stopthey havent. I am very upset because they called me at work and I told them I cant take calls at work and I got into trouble by my employer whom I am up for review on a promotionthat does not look like its happening anymore thanks to the unwanted calls at work that got me into trouble. 

I have asked them to also provide information about the alleged debt yet they still call and they still are reporting negative information on my Credit Report. I understand they can not continue to attempt to collect ( or call ) yet they do this anyways. 

I dont know why I must spend so many countless hours trying to resolve this matter its causing me a lot of XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX XXXX XXXX/XXXX/1962 American express send me this letter about an account and a request for a second card. 

I NEED THIS TO BE CLEAR I DO N'T HAVE AN AMERICAN EXPRESS CARD AND AND NEVER REQUESTED AN AMERICAN EXPRESS CARD. 
someone has stolen my id and applied for a card in my name see attached doc I need for this to be stopped and some XXXX call me at XXXX to get this resolved. 

i have been on the phone of over an hour and was transferred to XXXX THREE TIMES THEN TO XXXX THEN TO THE XXXX AND NO ONE COULD HELP ME!!!!!!!!
As of XXXXXXXX XXXX on XX/XX/18, my checking account was negative {$78.00} due to three pending transactions. A cash deposit of {$80.00} was made before XXXX XXXX   to bring the account positive {$1.00}. At XXXXXXXX XXXX, the account was showing - {$140.00} because of a {$150.00} XXXX transaction that was pending. 

In every conversation had with previous representatives, the cut off time for deposits ( cash or otherwise ) was always stated as XXXX XXXX. When the {$150.00} XXXX transaction hit the account, a second deposit was not made because of the information given during every previous conversation with representatives. I did not think another deposit wouldve prevented a fee for this single transaction. 

Today my balance is showing - {$290.00}, including four {$35.00} overdraft fees. Not only was I charged a {$35.00} fee for the {$150.00} XXXX charge, I was charged a total of {$100.00} in fees for the three transactions that were  previously pending. 

I spoke to a representative today and explained that I made an {$80.00} deposit before the XXXX cut off time to avoid being charged three OD charges. I understood the {$35.00} fee for the {$150.00} XXXX charge. I was told I had until XXXX XXXX to make a cash deposit, which contradicts everything Ive been told during every other conversation with BofA reps. Ive also been told processing happens with the lesser dollar amounts paid first to allow for more transactions. In todays conversation, that suddenly reverses too with larger items paid first. 

I believe the processing order and the fee logic violate UDAAP resulting in disparate impact. I deposited {$80.00} by the cutoff time given by BofA numerous times. The {$80.00} was deposited to avoid three {$35.00} fees as guided by BofA reps. A second deposit was not made to cover the - {$140.00} because of the information supplied by BofA reps. Now I have large negative balance because the cutoff time and the processing order previously communicated by BofA reps was inconsistent with information given today.
Called BBVA Compass mortgage officer on or about XXXX XXXX, 2016. Explained that I had been approved for an FHA loan of {$150000.00}, but could not continue the loan because the main component ( XXXX Step Up Program-down payment assistance ) could not go forward because my estranged husband ( foreign country ) needed to sign a statement as to his income even though federal taxes had be filed stating a XXXX income. Because the purchaser was not able to get that statement, the loan had to be withdrawn. 

BBVA Compass has a community investment loan program ( Home Ownership Made Easier ) where a down payment assistance is offered and closing costs included in the loan. The seller had agreed to pay {$6300.00} of closing costs. I was assured by the mortgage officer at BBVA Compass that I did not need to get my estranged husband 's statement of income nor an o.k. to approve the loan. I also stated to him that I had applied with BBVA Compass about a month ago and denied because errors were discovered on my credit report that since had been removed. He pulled my credit while on the phone and stated that the credit scores were great and that my debt to income ratios were fine. He explained that the debt to income ratio was XXXX % ( purchaser is at XXXX % ). The application was completed and documents ( bank statements, homeowner 's insurance, flood insurance, etc. ) were submitted right away. My realtor was able to get an extension on the closing to XXXX XXXX, 2016, as the BBVA mortgage officer stated he could have the loan completed XX/XX/XXXX. 

On Monday, XXXX XXXX, 2016, I spoke with the loan processor for the first time and did not get a good feeling about this person because he asked about my estranged husband. Nevertheless, my realtor stated that the mortgage officer just yesterday, XXXX XXXX, 2016 stated that the loan was going o.k. But, this morning, purchaser received an e-mail action notice to sign documents from the processor and was shocked to receive a Denial Notice which is attached. Both reasons stated are bogus. Purchaser has no excess obligations. In fact, my expenses are : {$870.00} rent plus {$56.00} water/sewer ; {$230.00} car payment ; XXXX private student loans in deferment ( {$37.00} and {$37.00} once deferment ends ) ; {$25.00} payment on student loan ; and a {$500.00} line of credit that has been paid down to {$380.00} and can be paid off. All federal student loans have been consolidated and are in IBR with a {$0.00} payment. Purchaser is assuming that BBVA Compass is using the XXXX % of balance calculation for the consolidated federal student loans when, in fact, there is a {$0.00} payment on the credit report and statement. This is a community investment loan program, and I have not been evaluated properly. 

For some unknown reason, purchaser is finding it very difficult to get a home loan in the state of XXXX. Purchaser has purchased in the past several homes in XXXX without difficult and with a lower credit score.
I paid my debt of {$190.00} on XXXX XXXX, 2016 to XXXX. I repeatedly get letters from Transword systems inc. Account # XXXX
Niagara credit solutions sent a wage verification form to my employer I called them to find out what was going on I asked for verification of dept as I think it was already paid and was told they do not have to verify anything and there will be no settlement with them if I keep asking so they want me to pay them XXXX and I have no proof I owe anything this is not on my credit report and from XXXX XXXX XXXX card taken out in 2002 I am trying to go over my paperwork to see if it was paid but they are now threatening to garnish my wages
I have an account from XXXX Account number ending in XXXX in which they had issued me a XXXX ( see attached file ) and cancelled the debt. I am requesting to have the account removed from my Credit History and all Credit Reports or identified a s resolved and closed account so as not to adversely affect my Credit Score. 
I can be reach via e-mail at XXXXXXXXXXXX or called at XXXXBest regardsXXXX XXXX XXXX
I disputed XXXX XXXX XXXX because it is a fraudulent account ; however it was not removed. I discovered this debt when viewing my credit reports. I went and filed a police report in which I am attaching the case number. I produced all of my documents. I am also attaching a copy of my mortgage document which shows my address of XXXX XXXX XXXX XXXX. Then I attached my property tax document which shows the time I resided at my current property, XXXX XXXX XXXX XXXX. I have never applied or received anything from XXXX XXXX XXXX at either XXXX of my residences. Also, when I contacted them none of the contact information was mine. I am asking you to delete this fraudulent debt from my credit report immediately and also please add the seven year extended fraud alert to my credit report.
Transunion is the company I most hate filing a complaint on, but I am forced to! I can not get proper access to my report, or my dispute abilities. I do not have the proper access for proper monitoring, dispute ability online, or following dispute online. They have this sector blocked, and will not even give me a reason as to why. I want to be able to properly monitor my credit, and I want full access like everyone else gets! If they have a right to report, I have a right to access, and correct.
To whom this may concern. 

My Equifax report shows two accounts in dispute. I DID NOT request a dispute of these items. These items are VALID. I have called Equifax customer service multiple times and each time was told the investigation would be immediately canceled. It has not been canceled, and as a matter of fact it was completed and then is now in the process of a RE-INVESTIGATION. 

The items I am referring to are below : XXXX Account # XXXX and XXXX Account # XXXX Please let me make this CLEAR. I never disputed these two accounts. They are VALID. I would like any disputes or investigations into these two accounts stopped at once.
Good Afternoon, on XX/XX/XXXX I paid {$16.00} and sent a notarized certified letter with an Identity Theft Affidavit to XXXX  and Experian regarding a fraudulent account on my credit reports. 

I received notification that XXXX and Experian received my notarized certified letter with its contents on XX/XX/XXXX. In accordance with the Fair Credit Reporting Act Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

I have paid a consistent {$24.00} over the last several months to my credit monitoring account to refresh my credit reports monthly to keep track of this issue. 

It is now XX/XX/XXXX and the fraudulent account has NOT been removed from my credit report and causing an on going hardship on me and my family because of this. I am submitting a complaint to the Consumer Financial Protection Bureau for assistance in this ongoing issue.
A company named Atlantic Credit and Finance Called me from an unknown number today X/XX/2017 at XXXX Pacific time. The call lasted about 16 minutes. After asking the repeatedly at least 10 times during that call if I could have their address so I can send my via Money they continued to harrass me after I told that financial hardship is the reason my account went into collections. They wanted to know how, why, when, where and what exactly happened. After repeatedly telling them that I was n't giving them my life and if I could the address and kept asking me what was having their address gon na do for me. They have some shady phone tactics and it made me feel very uncomfortable with them having my information and not wanting me to pay what I could afford on the account that they purchased from XXXX XXXX XXXX. The two employees that were harassing me names are XXXX and XXXX.
Transunion is reporting my ex-husbands birthday which is XX/XX/XXXX and mine is XX/XX/XXXX. They also are reporting over a dozen addressed i never lived at.
Today XXXX/XXXX/XXXX, I went online to make a store credit card payment to Walmart. On my paper bill it said go to Walmart.com/credit. I went to the website and it was very difficult to find the link to make a payment. There was a huge advertisement to get a credit card. The link to make a payment was found located very discretely at the bottom of the page. It was difficult to get to the bottom of the page due to the fact the advertisement to apply for a credit card was so huge, as soon as you click the area in error it brings you to a page to apply for a credit card. After registering, I was able to make a payment. I chose the option to pay with a debit card. After giving my debit card information and clicking submit, it did not confirm my payment was made. It did not give a reference number or any expectations. I go back to research and it does not reflect my payment was made. It will allow you to make another payment despite the fact that you just made a payment. I checked my bank account and the amount was taken from my account. I contacted online customer service and explained what happened. The respond that it will take XXXX hours to reflect a payment was made. My concern is that this website was very misleading and should reflect and confirm when your payment has been made. There was no disclosure of what to expect after making my payment. I want to mention I did contact my bank and customer service first before trying to submit another payment, my concern is for those who would have not thought to do that. The website comes off as secretly taking advantage of consumers.
HI Sir/Madam, Sub : To whom it may concern. 

I applied for XXXX XXXX XXXX access more card form XXXX and approved. they are offering if I spend {$2000.00} in first three month and buy the phone from there provide link from their website then I will get {$650.00} statement credit. I did what they told me and also the lady I placed the order from XXXX bank also stated on my account that I will get my statement credit. But still two month and I did n't receive my credit. when I called them they are asking me to send me the receipt of purchasing that phone which I bought it from their link and also from their credit card. It a false advertisement and waste of time for consumer who have to call and wait for his money. They should stop this kind of advertisement and when consumer call them and placed the order with them as they describe they should issue that credit right away.
I paid off my credit card balance of {$440.00} to XXXX XXXX XXXX  on the date of XX/XX/2018. XXXX XXXX mention my credit report will be updated in 30 Days. 30 Days later all three of my credit reports states a balance of {$440.00} from XXXX XXXX. I disputed the balance through Transunion, XXXX, XXXX. XXXX XXXX responded to XXXX, XXXX, Transunion saying balance of {$440.00} is correct no change was made on Credit Reports. I HAVE DISPUTED ISSUE 4 TIMES with Credit Bureaus. I am receiving correct balance of {$440.00} on credit reports. I disputed with all three credit bureaus. I am looking to sue XXXX XXXX this issue have kept me from receiving home loan and other offers.
I was checking my credit score and I discovered that I have to credit under the name of " RS Clark & Associates '' ( see picture attache ). 
I never have been aware or notified about that. 
So I contacted them through their website and they answered with a website called " XXXX '' and they asked me to call them. Like that they can ask me questions but unfortunately I have hearing issue on the phone so I asked them to ask me their questions in the email and I will be glad to answer. 

No more answer since, but in " XXXX '' I found one Email address, so I tried again to contact, but still nothing.
I made a purchase at a store inXX/XX/XXXX, with payments to be made through PayPal. I chose this mode of payment because they offered six months of no interest. My goal was to pay it off in six months. I made my first three payments via email statements from them, to my email address. Then the email statements stopped. Throughout this period and beyond, I never received email or paper statements through the mail. 

Fast forward to XX/XX/XXXX, when I received my first paper statement from them, saying that I was delinquent in my payments and had accrued {$350.00} in late fees and interest. 

When I immediately called, to try to understand what had happened, I was told that the email address on file for my account ( at Paypal ) was different than mine- VERY different. That had never been my email address. I sent documentation to show that they had my correct and only email address beginning in XXXX, when this transaction was initiated. 

I was horrified that this happened, and sent a check for the balance due, which was {$1400.00}. That did not include the interest charges and late fees. 

I requested that those fees be waived, as I never received any statements from them after XXXX. I did not want to be penalized for not receiving statements after that point. 

I was told I could write a complaint to a particular department, which I did right away. I sent it " certified '', to make sure it was received. After no response, over a few weeks, I called again. They said they received it, but were still not willing to hear my story. I continue to get monthly bills, with additional fees, and feel strongly about NOT being penalized for NOT paying those months that I didn't receive statements. Their customer service team is simply not willing to understand what happened, on my end. 

I have a very high credit score, and I always pay my bills on time. If I had seen the " missing '' statements, I would have paid those bills. Instead, I stopped getting them, and forgot about the balance due. Out of sight- out of mind. 

In the enclosed attachments, you'll see that they had my correct email address in our first few transactions. I never changed my email address! One of the representatives I spoke to, said that they always sent their statements through the US mail, which never happened. It was always through email. 

I would be happy to discuss this with anybody on your team for further clarification. 

I appreciate your help with this.
I was offered a XXXX % cashback promotional rate from Discover Financial on my Discover IT credit card for all purchases made with XXXX XXXX from XX/XX/XXXX - XXXX/XXXX/15. I received cashback for XXXX of XXXX transactions and received e-mails XX/XX/XXXX and XX/XX/XXXX that I was being denied for the XXXX other purchases becuase they thought the purchases had contained gift cards. When I asked for them to clarify what I was being denied the XXXX % cash back rate for, I was told I needed to provide receipts for each purchase. This, weeks or months after-the-fact. There was no mention of receipts needing to be retained when the promotion was launched, or at all during the entirety of the promotion.
When I applied for the XXXX XXXX American Express Card, I was told there was an introductory APR of 0 %. This was in the Terms and Conditions. Also in the T & C is a statement that no interest will be charged if the balance is paid in full by the due date. What is the point of a 0 % APR if interest will be charged regardless? When I called the bank, from whom I received the card, they told me that that was just the way the card works, no further explanation. I made purchases with the above mentioned card, and in my second statement was billed for nearly {$20.00}.
I wrote Equifax,   XXXX   XXXX   on numerous times and the item still not coming off or my credit report not being updated .I sent copies of letters that my name was stolen and social security thru identity theft and I m getting repeating inquires on my credit report, I called all   XXXX    c ompanies and wrote them.nothing is better done, I do n't think its fair that mhy credit score keep going down and being damaged every time I try to clear and fix it .someone trying to keep things in my name .I disputed all the inquires and they wont take it off, The  XXXX   bill fo r {$1400.00} not off  XXXX   XXXX   XXXX   XXXX   {$490.00},  XXXX  company for  a car lo an {$30000.00} that wont be taken off .Student loan that 's accurate and they still have the owe  .I be lieve the credit reporting agency is out to get people and not see you progress at all .I need my credit clear up soon as possible and I would like a rapid rescore this is hinder me and my family
About 5 years ago I opened a savings/checking account with XXXX Bank. The institution without my consent sent me a credit card which I did n't apply for. I consulted the banker back then and was informed that it would hurt my credit if I cancelled/closed the credit card account so I decided to keep the card. Today, I requested the bank copies of my initial application and they refuse to provide them ( application no longer available ). The representative further stated that the bank may now close my account due to the fact that the credit card account was opened fraudulently. I informed the representative that I am fully responsible for the current charges and I have always made payments on time for the last 5 years. I am now afraid that the closure of the account will affect my credit score and this will greatly affect me in the future. Further, I am concerned that the bank will require me to pay the full balance.
I requested a credit investigation on XX/XX/XXXX. More than 60 days have passed, and I have not received responses yet.