WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, after canceling my services with XXXX, I boxed up the equipment and took it to the Post Office to return it. The Postman saw where it was going and told me to be sure to keep my receipt as he had heard a lot of complaints from people who say XXXX never acknowledges receipt of returned equipment. 
On XXXX XXXX, XXXX I received a letter from XXXX stating they did not receive the equipment. I explained it had been shipped back and they should be receiving it shortly. 
According to XXXX Proof of Delivery the package was received on XXXX XXXX, XXXX On XXXX XXXX, XXXX I received a letter from a collection agency, XXXX. XXXX, XXXX as XXXX had sent the account to collections 16 days after they received the equipment. I immediately notified the collection agency that I disputed this and sent proof of deliver to them as well as to XXXX. 
I thought this had been resolved, but approx. 3 months ago I found it listed as a " collection account '' on my Experian report. I sent in a disputer letter to Experian. 
I was recently denied a mortgage refi as XXXX still had this listed with Experian as a collection account. I believe the reputation XXXX has with the Post Office personnel is accurate. They do not acknowledge receipt of equipment returned and cause their former customer undue grief by having to " prove '' they returned the items. And even then, they do not correct their error. The costly effects of inaccurate credit reporting causes hardships and stress on people and XXXX should be held accountable for this. I am requesting assistance with getting this removed from the credit agencies and would like to see an investigation into how many others XXXX has harmed. I am attaching the following copies : Drop-Off Package Receipt Proof of Delivery Letter from XXXX Letter from XXXX XXXX XXXX Thanks, XXXX
Previously submitted a complaint. Company 's response was unacceptable. Originally tried to pay off the loan in XX/XX/XXXX using the bank account I have used to make monthly payments for XXXX years. XXXX weeks later, I noticed Chase never processed the payment. I contacted them and Chase indicated no concerns. XXXX days later they reinstated the loan. I immediately called them and they submitted the payment. Again, no payment was deducted and they reinstated the loan. 

After filing an initial complaint with the CFPB, Chase wrote a response blaming me for providing them with a savings account number. They claim they can not process payments over the phone with a savings account. At no time did any Chase representative tell me this when I made multiple attempts to payoff the loan. The letter notes I could make suc a payment online, but my account had been locked by Chase. I have no ability to pay! 

I contacted Chase 's executive office on XX/XX/XXXX. They placed me on hold several times, and untimely routed me back to basic customer service ( the same customer service unable to process my payoff earlier ). 


The account I provided them is my only bank account - it has a checking account attached to it. Chase has withdrawn every monthly payment previously from this checking account - both auto and crefit card. 

They have provided me no way to payoff the loan. They continue to blame me for giving them a savings account number. Finally, they have reported me as missing a payment, which negatively affects my credit score.
A loan was taken out on the Years of XX/XX/XXXX and XX/XX/XXXX to help aid in paying my schooling. The goal between two years was XXXX and now I am paying back navient the debt and also the school where the money was supposed to go both for the amount of XXXX. I am now getting my wages garnished by both departments and this is unlawful. I have called in and no one has a response or an idea as to what is happening.
One XX/XX/2017 I deposited a check from XXXX XXXX. At that time I was told the funds would be available in two days and they would release XXXX upon deposit by a lady name XXXX. However, when the funds were not available, I then went back to the bank and was told by XXXX there would be a ten day hold as suspected fraud. I asked for the check back so I could have XXXX XXXX wire the money they said it was too late. XXXX then informed me they could not give it back because it was sent to the Federal Reserve for Investigation and they automatically keep them for 10 days. I contacted the Federal Reserve, they told me this information was not true and advised me to contact you. Prior to contacting you, I called once more, spoke with XXXX and she also confirmed to me the check was sent to the Federal Reserve for suspected fraud that the check was not XXXX XXXX 's. ( I am sure the recordings will reflect my truth in this ) I informed her I was told by the Federal Reserve that was not correct the Federal Reserve does not do that. I told her XXXX XXXX offered to verify the check was theirs and she said they do n't call and verify nor do they accept phone calls. I told her XXXX XXXX offered to wire the money, they said that could not happen. I asked then if it takes at most 3 days most for the money to be put in the account why would they even consider holding it ten days? If it 's subitted to XXXX XXXX, they put the money in the account, it is obvious NOT fraud, so why hold it ten days? Why on top of that require after the funds are put in account, why require Proof of Payment? Sounds like a lot being done to hold on to a check. She said that was the guidelines set by you. There is no fraud, which is obvious, I know there is n't. XXXX XXXX has tried to help resolve this. I have NEVER had fraud nor committed fraud on my account. What is sounds like is they just want to hold the money for as long as they can to draw interest, if you think about it, if they do this to 5 % of their customers daily it can add up. This is not right, I do n't even have money to buy groceries right now or put gas in my vehicle. I am not rich, I live pay check to pay check. They are also requiring even if money released for XXXX XXXX to issue a proof the payment was taken from their account and said even when they do that it takes 48 hours. They did not tell me this when I deposited it on XX/XX/XXXX either. I know this all sounds so unbelievable you have to think there must be some sort of fraud or I have to be a bad person but there is no fraud and I am not a bad person. I have had an account with them, I did not use it much as I was laid off when my company closed but I have finally went back to work.
Upon reviewing my credit report I noticed accounts from Account Resolution Services ( ARS ) placed. I have never received any information written nor call about this alleged debt. I mailed validation letters twice via certified mail on XXXX XXXX 2017 and then again XXXX XXXX 2017. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I asked them to allow me to validate this alleged debt and to send me detailed breakdown of fees and any collection costs and medical charges. I asked a for a copy of my signature with the provider of service to release my medical information to ARS. I requested FULL documentation of what was received from the provider of service. Lastly. I asked that they cease any credit bureau reporting until the debt has been validated by me. I also stated that if they can NOT provide ALL of this information they MUST remove this collection from my social and from all XXXX major credit bureaus such as XXXX, XXXX and XXXX. ARS has NOT complied with my requests. Reporting and therefore continuing to report this invalid information to the credit bureaus and not allowing me to validate is a violation of the FDCPA.
I purchased a washer and dryer from XXXX. XXXX XX/XX/XXXX for {$2500.00} ( including tax ). There was a 0 % interest loan offered which I accepted. My understanding was the loan would be paid off on installments with no interest. I have never been late on payments. Other than a smale note on the XX/XX/XXXX electronic statement, I was not given notice that the rate was expiring. In XX/XX/XXXX, Synchrony Bank ( which manages the loan ) increased my payment without notice other than the monthly electronic statement. I did not catch the increase until XX/XX/XXXX ( after XXXX payments ). I contacted Synchrony and was informed that the promotional rate had expired and I was being charged interest after the fact ( 29.99 % APR ). The XX/XX/XXXX balance was {$1000.00}. After the interest add-in, the XX/XX/XXXX balance jumped to {$2500.00}. When I inquired about paying the loan off, the only payoff they would accept was at the XX/XX/XXXX level - I was a " a few days late '' in inquiring. I summation, I made payments for XXXX years and by their accounting owe more than I paid for the equipment. 

I have made many purchases with 0 % interest loans in recent years, including a new truck. All of these I made payments to complete the payoff WITHOUT any hidden increase. I was never made aware of this during the purchase and my wife who is very particular about finances was with me the entire time. I have continued to make the payments as I did not wish to default. I have gotten no satisfaction from H.H. Gregg/Synchrony Bank even though I wished to pay the debt off.
I have tried to contact XXXX XXXX on numerous occasions, via telephone and mail with no success. I have no information about the alleged debt except for the name of the company and telephone number.
On my letter to this credit bureau, I requested an investigation on several accounts I found on my credit report. I appreciate this bureaus effort to satisfy my dispute but there is still an account that remained incorrectly, inaccurately and incompletely reported. XXXX Ref : XXXX has not been updated in years. Last that it was updated was 2013. I 've already paid off this account last year and it was never updated. The payment history is incomplete. They are not showing that the item was disputed. The account opened date is inaccurate and not the same with the other bureaus. They do not show till when this account will be reporting. These are completely violating the law.
Experian is reporting information that was submitted with an identity theft report and police report. These fraudulent accounts/debts should no longer report on my credit file. 

If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )
Experian has the wrong information and will not delete information that is XXXX years old from the time of first delinquency and provides the wrong information regardless of who asks for it if it has wrong information ad will not accept the right information the account must be deleted. if the account is joint information and the data is wrong it does not matter how many times you dispute wrong information it is never deleted. If XXXX sold the wrong data to XXXX XXXX and they report the wrong data than XXXX XXXX is wrong as well
On XX/XX/XXXX Consumer Portfolio received a payment of {$1800.00} that I requested be placed towards the principal payment. My following payment was not due until XX/XX/XXXX. The payment was applied on XX/XX/XXXX and {$1600.00} went towards the principal, {$8.00} towards the payment and {$180.00} towards fees which is not what I had requested when I sent in an early payment. I was not behind on my payment because it was not due until XX/XX/XXXX but they informed me that I had to pay this interest. They also stated I owed {$180.00} in late fees but I had previously paid my late fees. by XX/XX/XXXX I had given them {$5400.00} but only {$5300.00} was applied towards principle and interest. The rest was applied towards the late payments I had accumulated.
American Express Blue Bird is holding money that I didnt authorize. The sum of XXXX. Im stranded with no way home. They did the same thing to me three weeks ago. They will not work me at all. The keep my money and wii not help.
National Credit Systems has failed to provide itemized documentation for the account that is listed on my credit report. The last activity on this account was XX/XX/XXXX and for the state of TN the statue of limitations is 6 years. I want this account removed immediately. I have repeatedly disputed this account over the years and it always comes back verified without documentation being provided to me. I was denied a job due to this one and only collection on my whole report. I 'm not able to qualify for a mortgage loan as well until this is rectified. I need this corrected as soon as possible. I recently disputed this via XXXX and it came back on the XX/XX/XXXX day as verified again.
I received a check in the mail from my mortgage servicer stating that I did not send enough to re-instate my loan. I have been sending them money on a regular basis since I regained employment. I am trying to catch up on my payments as fast as I can. Why are n't they accepting this payment when they accepted previous payments and payments since this payment? Help me stay in my home! I 'm desparately trying to catch up on my mortgage that was already modified once!!
This company if refusing to refund my money for XXXX charges that i tried to dispute a year ago because the product i received was fake and used. XXXX of the charges are international charges and XXXX is XXXX from new york. XXXX charge is on XXXX XXXX 2015. XXXX is XXXX XXXX 2015. Those are the XXXX international charges and the other XXXX is from flight new York for {$410.00} and some change. They trying to say I 'm pass the XXXX day mark which is n't true when i initially filed the dispute they did n't include all the charges and they disputed it as unauthorized which a supervisor told me is the wrong way and should have just opened a claim up to get my funds back. I would like my funds back immediately to the method of payment for the error they made on their end not mine i did everything by the book. I should be due a refund of a bout {$4000.00} for this because what they are doing is n't right and people still deserve their money back if they do n't get what they paid for.
In XXXX I wrote a letter to Phoenix Financial Services, a third party company, asking them to validate the debt in which they were attempting to collect. They sent back a letter with charges in the amount of {$390.00} from XX/XX/2016. They failed to validate or prove how this debt is connected to me. I learned of this when it was reported to the credit bureaus. I received no letters nor phone calls trying to collect prior to this. I do not own this debt and I need them delete this from all 3 credit bureaus.
Tried to place a freeze with XXXX and Innovis and they are mailing me my PIN in 3 days. XXXX, XXXX, XXXX give it to you immediately online. My area has rampant mail theft and common mail mix-ups. On the likely chance I do not receive this mail, I will not be able to unfreeze my credit with them, and a random stranger could do it instead. It is very insecure.
On XX/XX/XXXX I filed an identity theft report with the FTC and immediately put a Fraud Alert out on my credit report. I further went to my local Police department to report the theft and sent in the needed documents to XXXX & Equifax. XXXX already had an ongoing investigation therefore I did not sent the documents out hoping they would be finished with their investigation soon enough. 

Equifax received the identity theft documents on XX/XX/XXXX. I got an email on XX/XX/XXXX that's they have received my dispute and they will have an answer for me within 30 days. I did not send in a traditional dispute letter. I sent in an identity thefy report from the FTC, a local police department report number, copy of my Credit report with the accounts circled with proof of identity and a copy of the FCRA. 

Why if this being treated as a traditional dispute when I have spoken to the FTC and that the agency must block information on my credit report related to identity theft within 4 Business days.
The debt for Citation Number XXXX Dated XX/XX/1990 in the amount of {$1300.00} has been resolved. I contacted the court regarding this matter and was told that the debt had reached the limit for status of limitations and was no longer collectable. I have received two letters from GC Services Limited Partnership threating me.
In XX/XX/XXXX, I thought I was selling my house on XXXX XXXX and I requested my XXXX installment of my taxes ( Due XXXX XXXX ) be paid early, so I would have less cash to bring to closing as my house is still underwater. Instead, as I found out later, CCO mortgage put a hold on my escrow so the taxes would not be paid. My closing date was changed then finally canceled as the sale fell through. On XXXX XXXX, I spoke to XXXX people at CCO mortgage trying to find out why my taxes were not paid. The XXXX person I spoke to in the tax and escrow department, told me there was a hold on the escrow. The XXXX person in customer service dept. said the hold on the escrow had been canceled on XXXX XXXX. The XXXX person I spoke with in the tax and escrow dept said CCO could not pay the taxes for 15 days ( XXXX XXXX which would have been late ). The last thing I said to her was " forget it, I will pay it online ''. That night I paid my taxes on line, so I would n't be late. Then 5 days later they sent a check, after I was told it would take 15 days. I am extremely angry at that the incompetence of everyone I have spoken to or emailed at CCO mortgage. 1 ) my request for the taxes to be paid early, was ignored. 2 ) instead of paying the taxes early, they put a hold on my escrow against my wishes. 3 ) The XXXX person in the escrow dept and the XXXX person in the customer service dept told me XXXX conflicting statements about the hold on the escrow. 4 ) the XXXX person in the escrow dept told me it was impossible for the taxes to be paid on time, because it would take 15 days to pay it, which was wrong. 5 ) I told the XXXX person in the escrow dept I would pay it on line. Then 5 days later they paid it. 6 ) Now they tell me I have to go get my money back from the county after when their check has n't even cleared yet. I have never in my life dealt with such incompetence.
XXXX XXXX agency has submitted request to delete a XXXX collection account multiple times since XXXX of 2015. Equifax has failed to do so and will not accept multiple forms of written proof of the deletion request. Today I spent 56 minutes and received no help. I ultimately spoke with a supervisor names XXXX in the Office of Consumer Affairs for Equifax. She ( uselessly ) filed another dispute ( this is my 4th identical dispute ) despite having been supplied the information on multiple occasions by XXXX via the industry standard XXXX form. My new ( fourth ) dispute is XXXX. I have faxed written proof on several occasions myself. XXXX was rude and dismissive, often interrupting me to deliver her robotic canned speech. I understand the information must come from the credtitor/collection agency, and it has ... multiple times. I simply do not know what else to do at this point, so I am hopeful XXXX will take a CFPB complaint more seriously than that of her own customer ( I subscribe to Equifax monitoring ).
I had a lease vehicle through GM Financial that was rendered a total loss due to a car accident, in XX/XX/2018. In XX/XX/XXXX, my personal auto insurance remitted payment to GM Financial for approximately $ XXXX, leaving a balance of $ XXXX. Based upon my contract, and the information provided to me at time of lease, GM Financial purchased a gap insurance contract on behalf of themselves to cover any gap balance. After my personal insurance made payment, GM Financial assured me that there was nothing further owed on my end, and they would deal directly with their insurer for the balance. In XX/XX/2018, GM Financial reported me as XXXX days delinquent along with the balance with all XXXX credit reporting agencies. I called them and they ensured me that the reporting was a mistake, and an update would be submitted to the agencies to get it removed. Not only was the XX/XX/XXXX delinquency not removed, but GM placed a XXXX day delinquency on my report in XX/XX/XXXX. For the past week, I have called GM at least XXXX times. They promised to remove the delinquency marks, and promised to fax over a letter stating the account was up to date. Every time I called in, I am given the run around. I escalated my call to a Supervisor, but the Supervisor has not returned my calls. I escalated my call to the Total Loss Department Manager, and he has not returned my calls. Between the Supervisor and the Manager, I have left at least XXXX   messages with no success. My credit report is damaged due to GM Financial 's lack of sufficient controls to mitigate operational risks like this. GM Financial has violated my FCRA rights by reporting inaccurate information on my credit reports, and has admitted to their violations several times on our recorded calls.
I would like my personal information on file to all credit bureaus be updated correctly : Update my address. 

Update ny name. 

Update my employment. 

I've reported these issues and they are still being ignored incorrectly over and over and over again. 

I do not wish to have any telephone numbers on my report.
Barclays bank has made excessive hard inquiries on my report which has had significant negative impact on my credit scores. I have repeatedly mentioned this to Barclay to no effect.On the Barclay site when you request a credit increase there is no indicator that a hard inquiry will be made at the time. I have attached a screen print of the hard inquiries showing on my credit report at   XXXX   XXXX   as of   XXXX
Previously XXXX XXXX in XXXX, Tenn are using deceptive practices against customers they cant collect on and pulls their credit report for their revenge. Recently I had a fraud alert placed on my account XX/XX/2018 and updated my NEW address in the state of GEORIGA where Ive resided since XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX pulled my credit report using my old information on file and phone number and obviously did not know I had an alert on my credit report. I did not authorize this inquiry and I would like for them to be audited to see if others may have been affected by this issue. After making this statement I will be calling the credit bureaus to dispute and have removed off my credit report. I did not authorize XXXX XXXX in XXXX Tenn to pull my credit on XX/XX/2018 XXXX
Approximately XXXX weeks ago, I went into the Bank of America, XXXX MD, branch to make a deposit. Upon making the deposit, a bank executive, XXXX XXXX, gave me a sales pitch that I qualify for free checking accounts, and a visa card. My history with this Bank was for a HELOC which I recently paid off. Now, with no debt, XXXX XXXX advised me that I should take their visa card which would give me XXXX percent interest for 12 months, and up to 3 % cash back on purchases. I agreed, and applied. The next thing I find out that my credit rating dropped XXXX points because of this Banks queries, and the credit they offered was a measly {$2500.00}. Once I received the card, I immediately went into the bank and demanded they withdraw their query - which they did not. I returned the card ( which I never activated ). My complaint is due to the fact that my credit rating dropped XXXX points because of their query. I need they to retract their query, so that my credit rating can return to the XXXX is was before