WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX Virginia is stating that I owe them {$540.00} concerning a set top box and a remote control that was not returned. I physically return both units to the XXXX location in XXXX, Virginia. This debt has been re-aged and documentation dated back that far is not available. I would like this item to be removed and deleted from all three credit-reporting bureaus. On XXXX XXXX, 2017, a credit alert was forwarded to my credit monitoring account stating the following : Your FICO Score has decreased by 31 points. XXXX XXXX has flagged your account as Collections. Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores.
The following account was removed from my credit report previously, but has reappeared after it`s been sold to another collection company. This activity has affected my credit score by a decrease of 31 points, while I`m currently in the process of obtaining a mortgage.
I would like this item remove from all 3 credit-reporting bureaus and my credit score restored to my previous score. A thirty one point drop is very excessive for one collection account. Thanks for your time, support and understanding XXXX XXXX XXXX
I filed a dispute with TransUnion and XXXX, I do not want my account to read " charge off '', the debt was sold to a credit collection company and I paid in full! I want it to only say paid in full not " charge off '', it hurts my score and when I apply for other cards. I also had both companies on my report. XXXX I paid in full. I asked my 2 credit card companies to remove the words " charge off '' it was paid in full!
On XXXX/XXXX/XXXX, I made an online payment to the wrong credit card company. Instead of sending the payment to my personal credit card account at Chase Bank, I made payment to an old account at JP Morgan Chase Commercial that had not been deleted from my banking profile. The JP Morgan Chase Commercial account has not been used in over two years and was reportedly closed upon my resignation from the Federal Bureau of Investigation on XXXX XXXX, XXXX. I contacted JP Morgan Chase and was told they could send a refund check to the address on file, which is my former employer. My former employer does not have my forwarding address, since I have relocated since resigning from the agency, and has failed to provide any assistance with resolving this issue. JP Morgan Chase referred me to XXXX individuals within the FBI that handle government travel cards and I have not received a response from either, although multiple messages have been left. I have contacted an employee at the FBI XXXX Field Office, who has been able to verify my account was closed and that the account now has a credit to the account in the amount of my erroneous payment. She has attempted to contact FBI Headquarters to resolve the issue, but has not received a response from anyone who can assist.
XXXX sent account to collections.I contacted collection co. & I reached settlement agreement & paid it as per instructions. 
I received Account settled in full letter ... month later same collection co. sends me letter for same debt. I call & XXXX has sent the debt to them again..they state debt verified by XXXX ... I call XXXX and they will update system. i proceed to dispute & send docs to collection co. Now a new collection co is contacting about the same debt ... and said that XXXX just verified the debt ... again just called XXXX and they transfer me from dept to dept .... and I now have to dispute the debt again with this new collection co. the constant report of this is annoying and hurting my credit score.
original debt is over 7yrs old & I have asked the company on many occasions to stop calling me & they have ignored my request.
I received a credit alert from XXXX XXXX ( XXXX ) that I had been reported twice ( XXXX/XXXX/2016 and XXXX/XXXX/2016 ) for a delinquent account by Macy 's. After speaking with Macy 's customer service ( XXXX/XXXX/2016 ), I was told they had not reported me. I believe this relates to a previous account that was closed due to fraud.
Our loan was recently sold to a new company : International City Mortgage. It has been impossible to set up automatic payment through their website ( the only way they have to set up automatic payment ), despite receiving confirmation emails from them that we successfully registered for their automatic payment system. We have had to pay late fees for a few months while trying to resolve this. Phone-based customer service has been completely unhelpful and was unable/unwilling to set up automatic payments. Customer service told us that receiving confirmation emails from them, stating that we had set up automatic payments, did not prove we had set up automatic payments and therefore late fees could not be waived. Automatic payments are taken out the day before late fees are assessed, so there is very little time to send a payment if things go wrong with their system ( which, in our experience, happens frequently ).
A debt belonging to an ex-spouse resulted in a lien against my house. I have been divorced for 4+ years. The divorce decree states the debt is her sole responsibility. The debt is in her name ( I am not part of the original contract ). Her name has been removed from the property and has been confirmed by county records. The company Midland Financial refuses to speak with me regarding the matter because my name is not on the account. I am not looking for anything more than getting the lien released from my property since the debt is not mine in any way. Attorneys say they can not help me and the county says there is nothing I can do, but there is no way this can be right? I need your help because I do n't have the money to afford extensive litigation.
I have the same error on my TransUnion credit report, and my XXXX  credit report. XXXX won't give me my credit report online because they can't identify that I'm the same person because they have my information completely wrong. 

This error is part of an account that is NOT mine. Me and my father have a similar name, and these credit reports blatantly show that and even have my birth year completely wrong and also show that I use multiple different names. 

The account name is XXXX XXXX, and the past due amount says {$870.00} dollars on my credit reports. TransUnion and XXXX state that this account has been opened on XX/XX/2017.
Bank of America Unsecured Business Credit Card Charged off. Bank of America Recovery Services Debited my personal checking account for {$3000.00} on XXXX XXXX. Only leaving {$100.00} in my account. And XXXX was debited from business checking. I was under the assumption that they were required to leave sufficient funds XXXX for living expenses. I have made many attempts to reach the Recovery department. Calls never returned. They keep giving me the run around. I would like to at least get enough money returned to close out my bank accounts, as they are both overdrawn. Now I 'm unable to even close the accounts because of negative balance. They keep charging NSF fee 's.
Had my credit report pulled and found information pertaining to a false XXXX report out of XXXX Never lived there nor visited the State. Please help
This has been placed on my Credit report and represents an account that has nothing to do with me or anyone I am responsible. 


CREDIT COLLECTION SERVIC reported a new account on your XXXX Credit Report.XX/XX/2016 Alert Date XX/XX/XXXX Source XXXX Company CREDIT COLLECTION SERVIC Opened Date N/A Balance {$280.00} Balance Date N/A Phone N/A Address XXXX XXXX XXXX XXXX, MA XXXX
On  XXXX / XXXX /2017 I received a letter from Sychrony Bank, Creditor stating I was denied for a Lowes credit card that I never applied for. I also can not find valid contact info to this bank.
On XX/XX/XXXX and XX/XX/XXXX I sent goodwill letters to the CEO of Capital One regarding late payments on my credit card account from XX/XX/XXXX to XX/XX/XXXX. The reason for the lateness was because of financial hardship due to being laid off and the unemployment extending longer then expected. In both attempts in requesting to have these lateness removed I was denied my request. I have been a loyal customer of Capital One since XX/XX/XXXX and this is the only time I have ran into this issue. Since XX/XX/XXXX I have been paying this account on time and have not have a late payment since as well as had a car loan account with Capital One which was never paid late.
Derogatory impact on my credit score. Harassing by telephone to myself, friends, and family impersonating law enforcement. They placed a charge off on my credit in the amount of over {$19000.00}. I do not owe this amount and have never been issued or granted this amount of money. XXXX needs to remove this false information from my credit history immediately.
I have had my mortgage for12 years, and due to my job payment date always pay my mortgage on the XXXX of the month. A few months ago I was in a hurry and accidentally paid my mortgasge from a wrong account. There was insufficient funds, I realized the error when I noticed that the payment was not being withdrawn from my usual bank account. I initiated correction called US Bank and explained the problem. Since then reps call me on a monthly basis and harass me about the payment, even though my payments are always made within the grace period. Last month one rep called me and began asking probing questions as to whether I was living in my house or renting it. Itold them that was an irrelevant question, I felt that they were going too far, I asked them to not call me and harass me, but to check the records and note that I have always paid my mortgage. Also Us Bank told my spouse that if he brought cash in excess of XXXX to make the payment, that they would not accept it. When I went to make my payment in person the teller asked for my State Identification to pay the bill. I was shocked and told him that I had never heard of that he said that it wad a new regulation, I told him that I needed to see the regulationand I requwsted to speak with the manager
I have been enrolled by Macy 's American Express card into " Credit Protection '' program without my consent. I called them to un-enroll. I still received an letter stating that I am enrolled in the program. I called them again to clarify - upon which agent mentioned that I was enrolled during the application itself and I was indeed unenrolled in XXXX 2016. The first enrollment did not happen with my consent and the second letter I received on XXXX XXXX does not reflect current state of my enrollment.
I opened a new account XX/XX/2016 on a Saturday with Bank of America. The account representative used misinformation to fraudulently and deceptively sale me the idea of opening the account that day. At the time of the {$10000.00} deposit I inquired about the availability of the funds then asked if there would be ANY funds made available. She told me not to worry because {$200.00} would be made available to me that same day after I mentioned that I needed to pay a credit card bill and provide an earnest down payment to a personal seller of a vehicle that I desired to purchase. The arrangement for a small cash payment would be a security deposit while the remainder of the funds cleared. I told the account representative who opened the account that I would just open the account at XXXX XXXX if there would be an issue with providing at least {$200.00} that same day. She again told me not to worry then escorted me to the teller to complete the processing activation of the temporary debit card. The teller then restated that the {$200.00} would be made available the same day on XXXX XXXX that Saturday. To my shocking surprise, I was not able to make a withdrawal until the following Tuesday XXXX XXXX. Unacceptable. I doubt Bank of America makes it a point to train employees to blatantly lie in order to open new accounts with {$10000.00} check deposits. 

I suffered an XXXX due to the fraudulent and deceptive unfair trade practice. I have a XXXX of XXXX & XXXX XXXX XXXX. My symptoms were aggravated as a result of the misinformation causing personal injury.
In XXXX 2016, I completed credit counseling in order to get a debt management plan. My payments from XXXX XXXX were changed from the XXXX of each month to the XXXX of each month. This was done in XX/XX/XXXX, as the debt management plan began on XX/XX/XXXX. However, I noticed that my payment made on XX/XX/XXXX through the debt management plan has been marked as 30 days late by XXXX by the credit bureau. I have disputed this with Equifax as well as requested a change from XXXX to no avail. All my other payments have been made on the between XX/XX/XXXX and XX/XX/XXXX through the XXXX and have not been reported as late so I am unable to understand the problem.
I was recently scammed by someone claiming to be a representative of XXXX. I was told to purchase both XXXX and XXXX XXXX cards in order to unlock my XXXX ID that I was having trouble with. Shortly after providing the information, it became clear that I was being scammed. I contacted XXXX immediately thinking that they could reverse the credit back onto the cards so I can get some of my money back but they indicated that they could not. They have to come up with a better way to help people like me. 

My bank is unable to reverse the charges because I technically did make the purchase at the store but certainly XXXX should be culpable for fraud they're permitting to occur.
I COMPLETELY paid off XXXX charge cards which, along with some others, have have had $ XXXX to $ XXXX in balances. Not to mention my income is approximately $ XXXX, XXXX % higher than last year - or ever. My reward for paying off XXXX {$4900.00}. XXXX card? 2 days later they crushed my credit limit from $ XXXX to $ XXXX. THAT MAKES NO SENSE! I pay off almost $ XXXX and THEN get my limited clobbered to XXXX of what I JUST PAID! This makes no sense ( and I expect they have a credit score, with NO late pmts, from before everything just paid off ). Can not think of anything else. Jeez, why pay it off. Might as well have paid off another card that was not going to penalize me for improving my credit and paying off balances!.
My mother died XXXX XX/XX/2018. On XXXX XX/XX/2018 I notified the credit card company to close the account which they agreed to asking me to submit a copy of her obituary. They said there was no need to wait for a death certificate. I complied. The outstanding balance was paid off and I believed all was complete. Her estate was due a refund of {$350.00} from XXXX XXXX and from them I requested a check. On XX/XX/2018 they deposited the refund to the Capital One credit card that I had closed on XX/XX/XXXX. Capital One accepted the deposit from XXXX XXXX. XXXX XXXX provided me a transaction number of XXXX. I called Capital One requesting a check for the amount and while they would not acknowledge the deposit they did say any money due would be refunded within 90 days. I called them twice but could not get details from them. This is the only outstanding event on my mother 's estate and I would like to be able to close her business but it has now been almost 120 days with no return of funds. I personally think they should have to include a 17 % to 25 % interest payment with the return since that is the normal interest charges for credit cards. Can you help me get this reconciled? Her account was listed as : XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX. The last statement I received from Capital One was dated XX/XX/2018.
On XX/XX/XXXX a deposit of {$47000.00} was made to my bank of America checking account which I was very much aware of. A couple of hours after that, I made some transfers and then noticed I was locked out of my account on the following day, XX/XX/XXXX. I could not log in to the mobile banking app or the online platform. I kept on getting the error message account locked ; contact customer service. I made a call to them on XX/XX/XXXX and I was told the bank had made a decision not to continue doing business with me and a letter and check will be sent to my address on file. I received the letter dated XX/XX/XXXX 3 weeks after on XX/XX/XXXX. There was no check with the letter. The letter from Bank of America stated that after careful review, they have made a decision to close my account. In the letter, I was told a check will be sent following the letter. I waited another 11 days and after not hearing or receiving anything, I called the bank on XX/XX/XXXX. I was informed on that day that they will not be releasing the funds because they could not verify the source. I was very upset as to why no attempt was made by the bank to communicate any of this to me. I went ahead and told the lady on the phone that I am very much aware of the source of the funds and this was money meant to facilitate my move to XXXX of which I am already resident there. She informed me that she will put in an official request for my funds to be released and I should call back in 2-3 days for an answer. I called the bank back on Wednesday, XX/XX/XXXX and I was informed that for the funds to be released, I would need to send a notarized letter by the depositor of the money authorizing the transaction. The letter was prepared, I called the bank on XX/XX/XXXX to ask if anything else will be required and they said I write a notarized letter describing the events that have occurred together with the notarized letter and send it to a bank of america address which I was given ( I made a recording of this conversation ). The letter was sent to the address as requested. After several weeks passed and I heard nothing from them, I called them back on XX/XX/XXXX to know what was going on. The lady on the phone said she does not know what I am talking about, no one asked me to send anything to the address. I told her they are being ridiculous ; I have a recording of the conversation and I was told to send the letters which I did. She completely denied it and hung up the phone on me. I called again and this time they made up another story and said I would need to fax in the letters ; I requested for the fax number and she said I will have to go into a Bank of America branch to do that. I explained I am in XXXX at the moment, what difference does it make, faxing and posting the letter. The depositor then proceeded to her Bank of America branch were she made the deposit into my account and asked to fax the letter to accounts closure and the bank refused and said they do not do anything of that sort. I have come to the conclusion that bank of america is playing all these games and holding my money for no reasonable cause! This is very upsetting and I will be forced to suing the bank.
I am writing in regards to a private loan that is reporting incorrectly on my credit files/reports. On at least one occasion I have disputed the validity of the information being reported for this account and the dispute always comes back as unchanged and the account information being reported has been verified. The issue was clarified in the XX/XX/XXXX amendments to the FCRA, which set a specific starting date that is now SET BY LAW as the last deliqency date, and not later dates, such as a DOLP. FCRA Section 605 : ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Late Payments - Seven years from the month in which the late payment was due. If there are multiple late payments in one account item, then they will each expire individually. Charge-Offs - Seven years. The time runs from the date of the delinquency, plus 180 days. For example, if a payment was due on an account on XX/XX/XXXX, but the debtor defaulted, and never caught up to become current again, and the account is eventually declared a charge-off by the creditor, then the seven years reporting time limit starts running on XX/XX/XXXX, with the item scheduled to expire from his/her credit reports on XX/XX/XXXX. I have attached paperwork directly from the XXXX website that clearly shows the first late on this account occurred on/around XX/XX/XXXX, but my credit files are reporting that there was n't a late on the account until XX/XX/XXXX. This erroneous entry showing an incorrect date of first delinquency is detrimental to my overall credit rating and has caused me severe financial and emotional distress. My question now is how was this investigation conducted to confirm that what is currently being reported is accurate? A template response to my complaint at this point will not be acceptable. This account is not only being in-accurately reported but is also past the reporting limits based on the Fair Credit Reporting Act. If this situation is n't immediately rectified I will be forced to take further legal actions.
There is currently a credit card on my credit report from Discover Financial. I have called several times in an effort to resolve the situation to no avail. The account in question is under my ssn # and another persons name, but also has me as an authorized user. I have never had a account with discover financial and i have told them this several times and i have been a victim of identity theft and i am still currently battleing the issues from this, and every time i talk to someone at Discover they say it will be handled and it never is.
the credit bureaus are required to have a copy of my signed agreement/contract in their procession. When report accounts to my credit file. Based on FCRA SECTION 609. The bureaus don not have the required documents as set by law, to report. The reporting violations carry a of {$1000.00} per violation and also additional damages. the account have been reported and the credit bureaus, have been harmed me, by not validating the debts and not having the required, documentation, before report and to this date. The documents are not in their procession. The following accounts have been reported in violation : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX {$210000.00} balance.
I contacted XXXX XXXX XXXX and made a payment arrangement with them. I made the first payment. They only reported the new balance and did not change the remarks on the account to " paying as agreed. '' FDCPA requires creditors/collectors to report only accurate information. Despite me paying, they are hurting my FICO by only saying 'placed for collection ' when it is actually being paid.
A collection account that says it was opened : XX/XX/2017 - XXXX XXXX XXXX - original creditor name : XXXX XXXX XXXX XXXX {$5000.00} This account was not opened by me in XX/XX/2017. Seems as if when my social was compromised, someone must have created this account. 
This should not be on my credit report. 
This does not belong to me.
XXXX XXXX XXXX CREDIT CADRD NOXXXX IS REPORTING AS CHARGE-OFF ACCOUNT WHEN IN FACT IS DISCHARGED TRU CHAPTER XXXX BANKRUPTCY.
This complaint is against the company "   Bonneville Collections ''.
They are currently reporting two u  npaid debts on my credit report totaling {$490.00} but I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     The first account has an account number of  XXXX  and a balance of {$290.00}. The second account has an account number of  XXXX  and a balance of {$200.00}. They were both reportedly opened in  XXXX    XXXX  .     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.