WillisBack/dataset-financial-user-claim huggingface dataset:
RPM placed a derogatory comment on my credit report, regarding a disputed debt with XXXX. XXXX has recently contacted me to say they have reversed the disputed amount in question and will contact RPM to remove any derogatory comments or other items that might affect my credit. RPM should remove any negative comments regarding my credit, as promised by XXXX.
EARLIER IN THE YEAR I CHECKED MY CREDIT REPORT AND ALL OF MY INQUIRIES WERE DELETED. TRANSUNION PLACED THEM ALL BACK ON MY REPORT. UPON A DISPUTE THEY TOLD ME THEY WERE ALL VALID AND WOULD REMAIN. ITEMS WERE PLACED BACK ON WITH OUT NOTIFYING ME BEFORE PLACING THE ITEMS BACK ON MY REPORT.
This is the second time  XXXX   XXXX   XXXX  is reporting I have delinquent payments on this account. I have my bank statements showing that I have paid this account every month that the company is reporting I did n't pay the account. I have attached my statements with the dates and transactions circled to show payments.
I disputed a dismissed Chapter XXXX Bankruptcy ref # XXXX with Experian credit reporting and they say they have verified and it remains on my credit report and I know they have not verified the dismissed bankruptcy nor will they provided me with the verification of where and how the information was verified and I would like for it to be removed off my credit reports. According to the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. In Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report
I found a debt collection on my XXXX credit report XXXX XXXX. I had very little information to go on accept the original creditor. After calling orginial creditor, who verified the debt was from XX/XX/XXXX, they gave me a number to call the debt collector, Credit Collection Services. I proceed to call the number for this debt collector. I informed the debt collector that I had never received a notice of right to dispute. The address they had delivered the first notice to I had moved out of XX/XX/XXXX.. So, In short I tell the collector I have proof that I moved out XX/XX/XXXX and they told me their first notice came to that address XX/XX/XXXX The mail was never forwarded and I was never made aware of the collection. I informed the collector this is illegal and against my rights. The collector hung up on me with no attempt to resolve this issue.
I was pre approved for a VA mortgage loan through Intercontinental XXXX XXXX. I started the process submitting all of my documents and aroundXX/XX/XXXX they told me that I did not qualify. On the XXXX I reached out to the group through phone call, email and text they have not responded. Before I made the request they suggested my wife try an FHA loan in her name. She reached out to them today about the FHA loan and they quickly responded stating they would call her at XXXX to discuss next steps. She then emailed them requesting a denial letter for me and they have not responded to her request either and is still awaiting their call. It is now XXXX.
I continue to get statements from spirit credit card which FAIL TO BREAK OUT BALANCE TRANSFER. So I get a demand for payment but it does not say, this portion you will owe on XX/XX/XXXX or it will suddenly jump up from XXXX percent interest to 18.9 % .. 
THIS PORTION YOU OWE FOR CURRENT CHARGES. As an elderly person I believe this is confusing and needs clarification. And if it takes some regulations promulgated by your department to get it done so be it. 
When I called on XXXX/XXXX/XXXX to ask a Spirit representative how much is in the balance transfer suspense, she suddenly said I owe {$4000.00} when i have been receiving monthly statements for less than 1/2 of that amount as a total amount due and I never transferred more than {$2000.00}. 
then I asked her specifically what amount do I have in a suspended balance transfer account that she said is due XXXX XXXX. When she started reading me a cue card about the rate, I POLITELY asked for a supervisor. Having supervised a nationwide credit agency I know most of the tricks if they get mad or you happen to ask for a supervisor. Well the young woman said she would put a supervisor on the telephone. Instead, my phone began to loudly ring, like a phone ringing. It continued for several minutes without anyone answering the phone and of course after ten minutes or so I realized that no one was going to answer a reverse phone ring. 
So I have a XXXX part complaint. 1st, failure to divide the billing between current and suspended balance transfer, so I know how much I need to pay and when I need to pay it. It should come in monthly on my statement. And attempts to find out should not result in the " treatment. '' 2. Fraud on the part of the creditor when asking politely to speak to a manager, I got the " treatment. '' I would like CFPB to require Spirit to provide the letters they send out which should be on the monthly statement highlighting the balance transfer information a consumer receives. 
Next I would like the CFPB to review the SOP Next I would like the CFPB to review the recordings that Spirit claims its representatives are taping when on a call to myself, to see how often the call results in the " treatment. '' As former XXXX XXXX XXXX for XXXX XXXX, XXXX Texas I can tell you I personally witnessed and overheard people who the collector did not want to talk to get an extension rattled loudly in a trash can. Was I disturbed by it. Yes, yes I was. 
While Spirit ; s response is tamer, it is unacceptable. The woman merely needed to tell me that I had XXXX in suspense transfer account that had to be paid on or before a date certain in XX/XX/XXXX. She failed and refused to do so. 
Perhaps your department can remind this credit provider that it can do better. 
Thank you for your cooperation.
Medical debt incurredXX/XX/XXXX had been long paid off shortly after receiving the initial bill, and I received a surprise collection letter from BC Services ( original bill was with XXXX XXXX  Hospital in XXXX XXXX ) dated XX/XX/XXXX, 5 years later, for the amount of {$540.00} with {$3.00} of interest. I had initially verified with XXXX Hospital that the full bill was paid and no further balance is due. I have not heard from them via phone or mail since ( during the past 5 years ). I did move recently, but my address had been the same for another almost two years and I remained in the same city for another 3 years after the initial bill. My phone number has been the same ever since, so I would n't have been difficult to reach. When speaking with BC services they said they would send the initial statement ( which I have not received either ) but would not explain what happened or how this is valid and were extremely short and unhelpful. I have written them as well as the original company a certified letter, again requesting a final statement but am awaiting a response. Nothing has shown on my credit report so far but I am looking every day. THANK YOU FOR BEING THERE!
The aforementioned credit collection agency representing whomever your Client is has  violated the FCRA by not providing documents to me in regards to this debt. 
I am unaware of this creditor and have not received anything that pertains to this debt. 
This account is unverified and immediately needs to be deleted from my all credit files : Transunion. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, they need to retract this from my credit file immediately
XXXX   XXXX  is reporting an account that was paid in full as a charge off. I turned all of my debtors over to  XXXX  and paid all of the linked accounts off in full, early. They supplied me with the proof and  XXXX   XXXX  said they turned the account over to  XXXX   XXXX , they say the account was paid in full before any collection activity started. I have a record of all of the above. This is hurting my credit score on   XXXX   XXXX   XXXX   XXXX   credit reporting agencies.  XXXX   XXXX  is the only account that lists this kind of recording, even though I had several other cards also in the program, and no one else reported their accounts in the same manner. Payments were sent each month to  XXXX   XXXX , the proof is attached. They will not change or speak to me about it.  XXXX  said they are reporting it wrong and something should be done to fix it.
I talk to them snd ask to provide proof of me opening acct. told them not to call me again and now they are harrasing family members and I want thrm to stop. ASAP!!
This matter involves credit card debt with Capital One Bank which was referred to XXXX XXXX for collections. Capital One Bank had my correct address as bills were sent monthly to me. Once this was referred to XXXX XXXX they used an old address where I have not resided for years. When this was sent to the old address it was opened by the occupant at that address who in turned contacted me about the letter, debt and what it was about. This resulted in great embarrassment and XXXX. There was no reason for this to happen and I believe that corrective actions need to be taken, including fines and damages.
we have a rental home in which the tenants have not paid -- we are in the process of eviction. This is an extremely difficult time for us as our son passed away unexpectedly six weeks ago -- this honestly is the hardest thing we have had to deal with so when the tenants say to us they have XXXX -- we have to say " do n't even tell us about XXXX '' While we evict & have received no rent we have asked ditech to please give us a two month reprieve until we can get rid of bad tenants, repair the home & ideally get rented again. We have paid the escrow this month but asked PLEASE for the payments to be added to the end of the mortgage -- with NO late fees. They have sent us information on loan modification, which in our experience on rental homes NEVER works. We have jumped through hoops attempting a modification & have never received. We honestly thought this plan was ideal & workable.
The original creditor is XXXX, arising from a final bill from an apartment that I moved out of in XXXX XXXX. In XXXX XXXX I received a letter from a debt collector asking for payment of {$140.00}. I mailed a payment via my credit union 's bill pay on XXXX/XXXX/XXXX for the full amount due. The letter, which purported to be from an attorney 's office in XXXX, TN, instructed to make checks payable to XXXX XXXX. 
In XXXX XXXX, I received a bill for the same amount from a separate collection agency for the same debt. The agency is Afni, Inc. After double-checking that I had already paid, I assumed they had some wires crossed, so I ignored the bill. 
Today I received another bill from Afni, so I called them to explain that I had already paid the bill. They are demanding proof from me rather than checking with XXXX. Because the payment was made via bill pay, I will have to go into my credit union branch to get a copy. This will be time consuming and annoying. I feel the burden should be on the collection agency to ask their client to double check their records. In the meantime, my credit score has been harmed by the report to credit bureaus by Afni.
Said company is Transworld. 
They call repeatedly-daily even after being told to STOP!!!!! They called me last night from a new number at XXXX central time. 
( XXXX ) XXXX XXXX ) XXXX These two numbers. And if I block them they call from a new number. 
I dont owe them I owe the original creditor, who wrote said debt off. I have told them to mail notices-they do that WEEKLY!!! So whether its via phone or by mail they HARRASS by repeating!! 
I just got an explanation of benefits from my insurance and it appears that I also owe less than what they are trying to collect on. 
They have been harassing me for weeks. I answered the phone one time in the last ten days and when I started talking they were wadding up paper of some kind and acting like they couldnt hear me. 
Again it needs to STOP! 
If I had {$200.00} to pay XXXX XXXX XXXX I would I sure as heck aint gon na pay transworld. Ill pay XXXX directly!!!! 
Make them stop!!!
I was alerted by XXXX credit reporting that mortgage company, Selene Finance, fraudulently changed my home address on my report XXXX XXXX, 2016. The address they listed is a realty company in XXXX, NJ. I 've contacted my lawyer concerning the issue since Selene will not converse with me because a " cease & desist '' order is in place. Selene is well aware of my current home property address. If they do not rectify this fraudulent act, I will seek legal remedies.
I pulled my EQUIFAX credit report through their website online XX/XX/XXXX. Then I decided to freeze my account, also done online. The last step in the Freeze process provided a page that " confirmed my transaction was successful, '' and provided a web link to a PDF that contained my Freeze PIN. I clicked on the link as directed and the PDF never loaded. Therefore, I never got my PIN. 

I called the phone number on the confirmation page, and the CSR told me she could mail the PIN to me and I would receive it within 7-10 working days. I requested the PIN immediately, because my EQUIFAX credit is now HELD HOSTAGE by them, and I am unable to manage MY OWN credit account. To make a long story short, over the last two days I've spoken with several EQUIFAX people, XXXX, XXXX, XXXX, XXXX and XXXX. ( Several of these people have foreign accents so thick that I couldn't understand them. ) Every one of them REQUIRES me to provide the last 4 digits of my Social Security number in order for them to help me. I refused to do so, because Social Security numbers are meant to be used ONLY as a vehicle for a person 's account with the Social Security Administration. 

XXXX, the last person I spoke to ( who refused to give me her last name initial, location or department name ). Instead, I wanted her to use the confirmation number on the credit report I pulled. She refused. ( She was at XXXX. ) At this point, I have no expectation that I will ever receive my EQUIFAX Credit Report PIN. The EQUIFAX online credit account Freeze process is misleading and unnecessarily difficult. By the way, I froze my XXXX  and XXXX accounts also on XX/XX/XXXX, with no problem whatsoever. 

PLEASE HELP!
On Thursday XX/XX/2019 I went to a branch of Chemical Bank to pay off the existing balance of my home mortgage. Instead of charging me the existing balance, they added a {$30.00} " registration fee '' that was no where described in their truth in lending disclosure or complete terms of the mortgage. This is clearly just an arbitrary fee Chemical Bank has added to the process of closing out a mortgage with no basis other than an opportunistic way to add profit to themselves.
On or around XX/XX/XXXX, I received a call on my cell phone from Global Receivable Solutions ( GRS ) stating I had an unpaid medical bill from XXXX XXXX. I had not received any bills in the mail prior and my insurance should have covered the cost at 100 %. Due to the imaging company 's error in billing code ( was preventative and the coded diagnostic ), they were not paid 100 %, so the remainder was in collections I was told. I advised I wished to dispute the amount, as was a result of the collection company client incorrect billing. They advised they would put in dispute. On this initial call, I advised I did not give permission for my cell phone to be placed on an auto-dialer. As of XX/XX/XXXX, I have received multiple calls per day on my cell phone from GRS and I answer only to hear dead air or be hung up on, indicating an auto-dialer. Upon speaking to someone, I advised again the bill was in dispute and they could not use my cell phone number to collect this bill and asked them to remove the number. Today, XX/XX/XXXX, I received 2 calls within 1 minute from this company, which is causing my phone to ring with intent to harass and they consistently hang up on me. In addition, when I answer, they proceed to TELL me my information for " verification '' and disclose everything. Today, I was berated by a representative when I advised AGAIN, this was in dispute. When I asked for a manager, I was refused and told there is no manager. When I said again to remove my cell phone, they hung up on me. I called and asked for the Legal address, as I am now considering legal action, and they refused to provide. I was finally able to obtain an address ; however, the company will not confirm it is accurate. I want them to cease and desist immediately.
I HAVE A FURNITURE ACCOUNT WITH CONNS AND THEY ARE CALLING REPEATLY ON MY CELL PHONE AT LEAST10 TIMES A DAY PLUS. THEY DONT WAIT 30 MINUTES IN BETWEEN THE CALLS. IT IS ANNOYING FOR THEM TO CALL THAT MANY TIMES IN AN HOUR. THIS IS A VERY STRESSFUL TIME IN MY LIFE WITH JUST STARTING A NEW JOB. MY PHONE WILL BE IN MY DESK AND EVEN ON VIBRATE YOU CAN STILL HEAR THE VIBRATION OF THE CALL.
Bankruptcy filed in XXXX 2015. All creditors have removed from my report charges due to bankruptcy. EXCEPT for ACCOUNT BROKERS OF XXXX ( XXXX ) XXXX. They continue to RE-REPORT these bankruptcy charges to XXXX who Re-Investigates and Re-Reports them to my credit. Which STARTS THE CLOCK OVER, AND DESTROYS MY CREDIT. I have sent the letter verifying the bankruptcy from my lawyer and the date this was filed in court. They have received this letter NUMEROUS TIMES! Unfortunately, I had to file for bankruptcy for medical bills. I was hospitalized for 10 days - was fired for missing work, and they cancelled my insurance- I attend college Full-time and work XXXX jobs. This was not in my control. But when this reporting agency continues to RE-REPORT the same charges, I will never be allowed to move on from this. 
Also XXXX from Account Brokers of XXXX talks to me in a demeaning manner, and raises her voice at me. She is very unprofessional, and continues to make me feel like a criminal. 
Please research this, and help. 
Thank you
I had a business account with Chase Bank for 6 years. The risk department at Chase Bank froze my account and closed it. When they closed the account I had an ending balance of {$1500.00}. They told me that this amount will be mailed to me in 30 days. I never received the check so i gave them a call about it after about a month. When i spoke to someone the first thing they told me that it was mailed but they did n't have a check that was cashed then they went on to tell me that there was a balance but they were holding it just in case any checks were returned. i called back in 6 months and they told me the same thing. They refused to give me the {$1500.00}. I called again today ( XX/XX/2017 ) and they still refused to mail me the balance of {$1500.00}. it has been 13 months now and they still will not return my balance of {$1500.00}. If a check was going to be returned it would have by now. It does not take 13 months. I need ending balance returned.
Hello, my name is XXXX XXXX and I had an account with Wells Fargo Bank at the XXXX and XXXX XXXX.I paid my balance of {$9.00} and closed off the account.Then I went over to XXXX XXXX to open another account, and was informed that my new checking account could not be opened for free because Wells Fargo claimed that I still owed them money.Now that is impossible because I had paid my balance in full to the teller, and then requested to see a banking official so that I may close off the account and which he did and was told that I was free and clear.Can you help me with this problem, because I do not want them to be able to hinder me in the future.Thank you for any and all consideration in this matter.
PNC Bank charge me XXXX inappropriate overdraft fees for no reason. Per my account history I clearly had all the money in my account needed to cover all transactions. They took it upon themselves to just take XXXX {$36.00} charges out of my account completely unsubstantiated. When I contacted customer service they said they refuse to refund the money because " they do not provide courtesy refunds ''. This is not a courtesy, this is my money that they had absolutely XXXX right to take from me. This is theft.
I have contacted Experian several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit file.
I saw Capital one commercials that blank the national TV about XXXX dollar spending for XXXX miles. 
However, these miles are not equivalent to any miles used by airlines ( reward earning by flying ). This should constitute the AD is a false advertising to deceive consumers.
PayPal opened up a line of credit for me without my knowledge or consent. PayPal created a hard inquiry on my XXXX credit report without my knowledge or consent, causing my credit score to decrease.
There is a new york state tax lien that I have been battling with Transunion and XXXX to delete after the lien has been satisfied immediately through direct paycheck deduction. I have suffered enough through wage and account garnishment. I requested for XXXX and Transunion to furnish me with the phone number of the agency that provided them the information.. I was referred to XXXX County Registry. The registry said they do not report to credit bureau but their records are open to the public. Since the lien has been paid and NYS wants it to be deleted after satisfaction, please compel these Bureau to delete the record. <P/><P/>XXXX
I was cheated out of my home while I was in bankruptcy. Wells Fargo Home Mortgage defrauded and bullied me in to foreclosure.
Equifax received dispute requesting fraudulent activity initiated by the following creditor ( s ) in result of reinvestigation submitted XX/XX/XXXX both creditors retaliated and  neglected to to resolve over 3 years ago. 

XXXX XXXX XXXX monitors my credit file as if I provided them free access. XXXX XXXX XXXX begin reporting to Equifax in result of an XXXX   reinvestigation against their company reporting an account disputed, closed, and removed from Equifax and XXXX. Equifax allowed XXXX XXXX XXXX to update my consumer file after an alert was provided stating a payment was late to XXXX XXXX XXXX in XXXX for one month. Equifax begin reporting to third parties on behalf XXXX XXXX XXXX I owe XXXX XXXX XXXX {$340.00} and failed to pay since XX/XX/XXXX. 

Equifax updated another derogatory account disputed over 3 years ago with XXXX XXXX XXXX XXXX pertaining to a fraudulent transaction involving a business check deposited by XXXX XXXX XXXX XXXX connected to this said account which my now adult daughter is connected to that account in good standing. On behalf of XXXX XXXX XXXX XXXX whom continues accessing and monitoring my consumer file in a fraudulent manner Equifax continues updating FP status that did not exist on consumer file at any time prior to XX/XX/XXXX XX/XX/XXXX
This specific debt collection agency ( United Accounts ) is refusing to  provide validation of the debt owed and the origin of the debt. I've sent numerous certified letters and my attorney has tried to obtain validation of the debt. The company is refusing to provide the information nor are they returning calls. They are claiming that I owe over {$8000.00} which they're reporting to mine and my husband 's credit reports.