WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX : XXXX XXXX XXXX ; {$120.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general in XX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX XXXX to collect.
I reviewed my credit information and notice an error on my account from an apartment complex I stayed in years ago. The complex back then was called " XXXX '' and is now called " XXXX ''. I had email correspondence with the complex regarding my concerns dealing with the apartment before I moved out back in 2008 and was reassured I had nothing to worry about because those issues are not mine and on the complex. I am looking at my credit report and see a charge for XXXX that should n't be there because we left out with a walk through completed and was stated that we had nothing to worry about. We were also given back out security deposit as well when we moved out. 

The company that is showing on my collections with XXXX is : FAIR COLLECTIONS XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
I have written to Experian on several occasions disputing the fact that listed below are incorrect. The credit bureau refused to respond or continues to state that they verified the debt. Without Verifiable Proof ( an original Consumer Contract with my Signature on it ) .The account are the items the credit bureau has refused to investigate XXXX FL XXXX
I have requested that Chrysler Capital send me all loan documents for my Auto Loan. They refuse to comply. I have offered to pay for copies of these documents ; still ... will not comply. They are hiding something, and I will find out. This is illegal and unethical on so many levels. What ever happened to loans being transparent for the consumer? Who knows what Chrysler is charging me if I can not see any documents.
I purchased concert tickets on XX/XX/XXXX with a shipping method of 3 days. The email I received from XXXX  said I would receive my tickets in 3 business days. My card was charged on XX/XX/XXXX according to my billing statement. When I didn't receive the tickets after 7 days I requested a refund on XX/XX/XXXX based on my rights under the FTC 's Mail Order Rule, which states " The Rule also requires that, when a seller can not ship within the promised time, the seller must obtain the buyers consent to a delay in shipping or refund payment for the unshipped merchandise. '' XXXX  refused to cancel the order. The moment they refused to cancel my order it became an unauthorized transaction. I received my tickets 11 days after the promised shipping date. I again requested a refund via XXXX. I then opened a dispute on my card card 14 days after the charge. Bank of America took 60 days to tell my their decision, which was that XXXX  provided prove the order was delivered. However, I believe this order should have been canceled under my rights as a consumer based on the FTC 's Mail Order Rule. I then called BoA once again and they refused to reverse the transaction. I've filed a XXXX  complaint agaisnt XXXX  and Bank of America. I've also filed a complaint with the Department of Consumer Protection for the state of Connecticut and an a FTC complaint.
I called XXXX XXXX on serveral occasions telling them im a victim of indentity theft & my XXXX was used fraudulently to opened an XXXX XXXX  account and its showing a remark of bankruptcy which I have never filed.
Previously disputed bankruptcy being reported on credit bureau. Was advised the information would be deleted and after several months the information remains.
The XXXX XXXX XXXX ( Collection Agency ) listed on my Transunion Credit Report is not a valid ( legal ) debt ( which I have been fighting for XXXX years ). I have repeatedly contacted the Collection Agency for resolution-and received none. ( BTW-I filed a complaint with your organization against them XX/XX/XXXX. and I have yet to receive a response # XXXX ). In XXXX of 2014 I filed a complaint with your organization to have this Collection Account removed from XXXX # XXXX-which it was. I have tried to dispute this directly with Transunion ( supplied them with all the back-up documentation to prove this is not a valid ( legal ) debt and all they appeared to have done is simply contact the Collection Agency to " validate '' the debt ). That is not an investigation and certainly does not fall within the definition of " valid '' debt-because it is not ( valid or legal ). I am providing you copies of all correspondence with the original creditor and collection agency with the WA State Landlord/ Tenant RCW 59.18.310 code/ law clearly outlining the law, copy of the ledger and lease clearly showing I met my financial obligations, and a copy of the determination of the complaint I filed with your organization against XXXX and it 's outcome ( that it was deleted ). I have also included the letter from Transunion with their " Investigation Results ''.
I have sent dispute letters multiple times via certified mail to have this item deleted from all credit reporting agencies. I am being sent information that is not validation that the debt is indeed mine according to the law. A statement of charges and/ or a balance on a letter head is not sufficient documentation of validation.
To whom it may concern, I am writing to you today in search of some assistance. On XXXX/XXXX/XXXX I listed my property for sale. It has been listed as a short sale based on the fact that I had fallen behind on my monthly obligations. I noticed that a house very similar to mine was recently sold via short sale for {$180000.00} and it was on the same street as my property. I received an offer after a week of marketing the property for {$180000.00} that my realtor then presented to my lender. Based on current sales on the street this was a very strong offer. We asked the lender to proceed with the review based on this information and they advised that since the sale date was XXXX/XXXX/XXXX they did not have ample time to complete a full review. The offer package was submitted to SPS on XXXX/XXXX/XXXX ( 32 days before the scheduled foreclosure sale ). The problem with this is that I have tried to work with them in the past and they have never attempted to help me in any way. Now that I am in this predicament they want to hurt my family even more by deciding to move forward with the foreclosure rather than giving us 1 last attempt in getting a fair resolution for all parties. I ask that you please help us and allow the lender an additional 45-60 days to complete a short sale review.
I am a victim of identity theft. Since 2015 two cards were opened at Chase. A XXXX XXXX, and a XXXX XXXX XXXX. To add to this, a Total Checking account and Savings accounts were also opened Fraudulently. I have learned recently that these accounts were closed. A few months ago I attempted to open a checking account at Chase Bank. Only to learn that my Online Access had been flagged for Fraud, which I changed my password. I was then told I cant open an account as past accounts were closed. I was shocked to learn these accounts were opened in my name as I never opened any of these. My email addresses were also hacked. Which I have also corrected now. When contacting chase about this matter they refuse to assist me. As a victim of identity theft this is a crisis. I want it resolved.
On XX/XX/18 I received an email stating that my old credit card had been declined. SEE BELOW FOR A PARTIAL OF THE EMAIL : Dear XXXX, We noticed your recent purchase with your old Walmart Mastercard was declined and we apologize for any inconvenience. Your purchase was declined because that Walmart Mastercard was  deactivated on XX/XX/2018. 
We sent you a new Walmart Mastercard in the mail recently. Simply activate your new card today to start shopping and avoid any more disruptions. 


When I called to tell them I had destroyed the old card so it was not possible for me to have had a purchase declined nor do I ever use my new credit card, they admitted the email sent didn't mean I had actually used my old card. They further explained that it was sent to encourage new activity on my new card. So basically they had just lied about my old card being used to encourage me to use the new one. I feel this was extremely deceptive and caused me to fear that my information had been compromised when it fact it was just a lie for them to scare me into using my card.
I purchased a home with a mortgage loan through XXXX XXXX Loans in XXXX of XXXX. My loan was assumed by Franklin American Mortgage shortly thereafter. On XXXX XXXX, XXXX, I was notified by mail of an escrow shortage of which included a {$3400.00} in late fees which were labeled as " taxes '' on the statement. Further investigation on my part determined this late fee was assessed by the XXXX XXXX ( XXXX, TX ) Appraisal District because they had not been notified by FAMC of the loan servicing transfer. I understand that I am responsible for taxes but not a late fee caused by FAMC 's failure to notify the tax office. 

After months of calls and discussions with FAMC, I 'm unable to reach a resolution, even after the XXXX XXXX XXXX XXXX explained what happened to FAMC. I ca n't believe that I 'm the only customer this has happened to. Please help! It 's sad that customers have to spend this much time resolving an issue. Why has n't the lender been proactive?
I appear to be at risk from the Equifax data breach I have requested a credit report from Equifax XXXX via XXXX ) but am informed that it is not available
equifaxXXXX XXXXstatus showing collection/charge off ( should be unknown ) remarks shows charged off account ( should be closed / included in chapter XXXX ) chapter XXXX was filed on this account on XX/XX/2015
Statement Accounts for checking and savings which have now been closed. While they were researching the fraud I purposely had them lock the accounts where I didn't have access to them and surrendered the debit card, credit card and false credit card, which I never used since it had the wrong zip code and they just added all the fraudulent charges to it that I said I didn't do plus charged back the merchant which they reported me to a collection agencies after I reported to the credit bureaus. Please see attachment. This statement printed at their branch location XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Shows my deposits it then shows XXXX being electronic transfers but my electronic withdraws only amount to {$3900.00} and ATM debits are XXXX plus overdraft fees when funds were available. Then my next statement I am at XXXX? See attachments.
I contacted Hauge and Associates via mail sent XXXX XXXX 2015 requesting validation of debt. I askfor them to send me back the requested information within 30 days of receipt. They never sent me any information, and rufused to validate, however they update the credit bureaus on XXXX XXXX. 'Account information disputed by consumer, meets FCRA requirements '. It is my right to be givin proff the debt is mine, and it is unfair that they continue to be unresponsive to my request.
These 10 accounts have been sold over 8 years ago ; to XXXX. I have been in good standing with XXXX. However, these 10 accounts with XXXX are showing XXXX  balances, but negative reporting. I have never made any payments to them. Because, i was still in school when the loans were sold. I contacted XXXX. And, the man that answered the phone told me to dispute it and they would not fight it. XXXX  and XXXX deleted the accounts. But, I guess they are not communication with XXXX. these accounts are older than the 7 years to fall off. But, Equifax is refusing to delete them. And, the 10 negative reporting ; is hurting my accounts.
No valid reason, all conflicting lies, no evidence to their hearsay. OPM credit restoration will seek the damages from Citibanks behavior. Written notices have no reason. Citibank is holding money for no reason other than that they have shown to me they hate XXXX XXXX people, called me XXXX XXXX, accuses me of fraud for filing the first dispute ever with them and their so called zero liability. Only zeros I saw was zero liability for Citibank. Conversion and Discrimination at its best, all you have to do is listen to the 40 plus hours of phones calls I made and hear the unorganized chaotic mess, lies, and retaliation the Citibank representatives bestowed upon me and my family. I still belive the actions one or two indivuals set the Company that I loved to one that I can not believe treated me like this. Attached are corespondence, still as nothing is wrong with my accounts. Notice the closure letter is XXXX and XXXX, whomever did this is the person responsible, they also werent brave enough to tell me because they know what they did is not right. I have to change my name because of uneducated racist individuals. Btw to all readers, The Bank is the Law. Nothing will happen from this report as it never does. But it does feel good being brave enough to speak the truth rather than hiding behind your office chair and messing with consumers lives.
Paypal put a hold on my account and stated that my account was " linked '' to an account owing them money. I told them that account does not belong to me and remove the hold, they have not. They are also holding my money hostage.
In  XXXX  my student loan provider went from  XXXX   XXXX  to  XXXX . I was on auto pay with  XXXX   XXXX .  One day I re ceived a letter in the mail stating that  XXXX   XXXX  account was Closed and the new lender was   XXXX   therefore they were not going to charge me anymore and that i should wait Further instructions from  XXXX . First communication with  XXXX  happened 3 months after that and was to tell me that i was behind on my payments. Initially I was surprised since it was the first form of communication since  XXXX   XXXX . Not a problem I said, lets pay. The representative at  XXXX  walked me through on how to create my account on the website and pay, which i did. My first concerned was my credit reports so I asked him how does this affect me and he replied " that since the transition from  XXXX   XXXX  to  XXXX  was a missunderstanding because the mailing address they had did n't match mine he was going to make a note to correct any information sent to the bureaus . Two weeks ago i decide to check my credit reports and there was de 60-120 late payments on the  XXXX    XXXX    accounts. I wrote them a good will letter to remove the incorrect information and they de clined. They sure told me that they would review it if i sent them a bunch of stuff. This was  XXXX , is  XXXX  now I 've been on auto pay with them since the very beginning. I do n't have canceled checks, i do n't have that letter from  XXXX   XXXX . All I have is the word from that representative telling me that it was n't going to affect my credit and it is. I fin this unjust and abusive on  XXXX  's part. I still pay my loan to this day and i have never missed a payment.
XXXX XXXX offered me a payment plan but continues to report my gold card late. I have been paying XXXX dollars per month, but XXXX has not reported this agreement on my credit report.
NAVY FEDERAL CREDIT UNION continues to report inaccurate information on my credit report. I faxed them the information several times to have items corrected and have done nothing. I currently have  XXXX  accounts reporting without an account number.
In both XX/XX/XXXX & XX/XX/XXXX I filed a complaint with XXXX and Equifax aboutUNAUTHORIZED inquiries on my credit report, prior to this complaint I had a fraud alert added to all 3 credit bureaus early in XX/XX/XXXX I believe XX/XX/XXXX/XX/XX/XXXX and wanted to be contacted if my credit was run by any creditors during that time I received only 3 calls from creditors to look at my report those 3 were "  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX '' because I was shopping for a new vehicle. All other inquiries from the time I had XXXX XXXX XXXX added till now were NOT AUTHORIZED and I asked to have them investigated and removed " XXXX '' completed their investigation on XX/XX/XXXX & Equifax completed theirs 2 days after submitting my complaint online, both stated that the inquires are Factual when they are not they took less then a week to investigate which I find a bit unbelievable I do n't think they actually did a investigation and it is GREATLY affecting my credit and hampering me from purchasing a new home!
I have a Citi XXXX credit card with Citibank (Citicards CBNA). When I first got it, I received a phone call (possibly in XX/XX/XXXX) from a service representative that my payment was severely late, and they offered to set up automatic payments right there over the phone. I provided them with checking account information in order to do so. This recurring minimum payment has continued being taken from my checking account ending in XXXX every month, even when I have already paid over the required minimum with other payments.

I am in the midst of a divorce, and soon will not have access to the checking account that this persistent payment is being taken from. In XX/XX/XXXX, I attempted to get the payment removed since I'd set up a new and different automatic payment from my new checking account (ending in XXXX). The old scheduled payment can not be modified through the website, and numerous customer service reps I've talked through over the phone say that they have removed it and it is no longer visible in their system. On repeated calls after the scheduled payment was still listed as active on the website, I was advised to completely remove the checking account ending in XXXX from being listed on the account as that would prevent the payment from being taken. Despite these assurances, the payment was still taken out in late XXXX on schedule just as it had been for almost two years from the checking account that I do not want to be accessing.

Citibank should not be allowed to take money from a bank account that I no longer wish them to, they should not put the onus on me to call repeatedly to try and get it fixed, and should not give me assurances that they are addressing the manner when they are clearly not. They are wasting both my time and energy. The kicker is that after looking at my credit report, there is no record of any late payments on this card at all! I now question whether or not I was actually late on the card in the first place, and what Citibank's motivation was behind the initial phone call to set up this payment setup that they refuse to remove.
XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used without his consent to establish an account with Discover Bank. ( Acct ending XXXX ). A formal dispute of this account was sent certified mail with return receipt to Discover Bank at the listed XXXX XXXX NY address however as of this date nothing has been received to verify they have conducted an investigation into this issue ; as is their obligation under federal law to do.
I had a collection account with XXXX XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove the collection from my credit report and they did but now I just received a copy of my credit report and the collection is back, I called TransUnion and they told me they will remove it again but nothing has been done. Please remove the collection account from my credit report.
Citi Bank had a promotional offer offering a {$400.00} cash reward for opening a new checking and savings account with a combined balance of {$15000.00} or more held for more than 60 days. I opened the account in XXXX and immediately deposited over {$15000.00}. I have not made a single withdrawal or transaction since then. I called in XXXX and was told i met all requirements but it would be delayed to XXXX. I called in XXXX and they told me they would open a case. I called again in late XXXX and they told me they would escalate the case. Since then I have called and contacted them via live chat numerous times, and I keep getting the same response : you met all the requirements and are owed the money - we can open another case for you if youd like. Still no resolution 6 months after opening the account! Feels like a scam!
I have been receiving multiple calls from unknown numbers claiming that they can lower the interest rate on my credit card to XXXX. When I picked up, they said their name and company name so fast, I could barely hear it and proceeded to ask me questions about the last XXXX digits on my social, how much money I owe on the card, my credit limit, my name, and the last XXXX numbers on my credit card. After I gave her all the information, she immediately hung up. The phone number was XXXX and they were calling from XXXX Fl. When I try to call back, it immediately hangs up. That 's when I realized this might be a scam.
I have been attempting to contact this company ( Smith Rouchon & Associates Inc ) about 3 debts they state I owe with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have NEVER received any type of statement and I actually disputed the items under my XXXX  credit report in which they removed all three because they were in fact no validated debts. I have requested that XXXX does the same ; however, XXXX will not honor and remove it stating it is a valid debt however I have asked several times to send proof of validation and I have yet to receive anything from either XXXX nor Smith Rouchon & Associates.
I have a number of student loans that initially were with XXXX XXXX. They are now with Navient. Although some of the loans are being paid on time I was having issues with XXXX other outstanding loans in that different people at Navient kept giving us different information on the interest rates and possible monthly payback options. A deal was struck with Navient in XXXX this year ( 2015 ) and then that deal was changed. I filled out numerous budget reports to XXXX/Navient ( which were required ) over the phone and explained over and over again what we could afford, this was all to no avail. In XXXX of our last phone conference calls with my Dad helping me out, they were insisting on a lump sum settlement which we were not able to do. The phone calls were coming in to us at a rate of over 5 to 7 per day and they got nasty and negative. No one was willing to work with us given our financial situation. We told them over and over again what we could afford and it was never good enough, it always had to go to a VP at the company for review and some reps told us to expect a call from the VP and other reps and supervisors told us we were crazy that the VP 's never spoke with the consumer. The highest level person we got was a supervisor and it was always someone different and equally as nasty. At some point in XXXX 2015 we received a call from XXXX XXXX XXXX ( the company that Navient has us in collection with ). After a couple of conversations with XXXX they are telling us that the only way to resolve this is by a lump sum fee and there is no way to work out monthly payments. The supervisor at XXXX yelled and hung up on my Father during the last phone call insisting that a lump some arrangement be made. No one will work with us or offer us payments that we can afford.
Paid off all open collections on my reports. But they still show as open. I have provided a screenshot of the XXXX account I was able to pay online the others I believe are sending me letters