WillisBack/dataset-financial-user-claim huggingface dataset:
Valley Credit Services is attempting to collect a debt with the incorrect amount. They purchased an outstanding balance five years ago and never notified me of the purchase, of the purported amount, or of the ability to  dispute and correct the amounts. I have notified them in writing and over the phone that the debt is disputed.     I called multiple times after seeing the derogatory report still on my credit and was told that I had to pay the entire amount, including interest and fees in excess o f Oregon Statutory amounts, or they would continue to harm my credit. I was never gi ven the ability to dispute the errors and they refused to update and correct the information.     I contacted the original creditor, my local credit union, for the correct amount outstanding and they forwarded that t o Valley Credit Service. After notifying repres entative "  XXXX  '' that the amount was incorrect and providing proof of the credits not applied at the sale of the auto, she refused to update the amount owing or the false amount reported to the credit bureaus.     Today was my final attempt to resolve with them. This company is n't listening to any disputes and is unwilling to correct their errors. Before filing a civil complaint for damages, I want ed to seek one final help to have  them conduct themselves with integrity.
I had 2 lates on my XXXX XXXX dated back XX/XX/XXXX. I was a victim of identity theft in which my accounts were compromised, as a result, I had to close them down. A police report was filed. 

XXXX refused to remove the lates of my credit report.
Worth finance is in violation of federal and state laws of consumer credit reporting. This account is reflecting open on my credit. It is to my understanding that loans are charged off at 120 days. I disputed this account and it came back as reported accurate, it is impossible for an original creditor to report an account charged off and open at the same time. This inaccurate credit reporting is affecting my civil rights to an accurate credit report and is tarnishing the accuracy of my credit score.
These items that appear on my experian report are not mine and need to be deleted immediately. I want these companies to provide me with a signed agreement with my signature stating I opened these accounts. I have disputed these items with experian before and they will not reinvestigate these trades but simply state that they have do so already and refuse to reinvestigate these trades anymore, I received no proof from experian stating that these were my trades just a simple oh well we verified they are yours you dont like the results too bad. Im done trying to be nice with credit reporting agencies I want written proof something with my signature stating I opened and used these accounts. the trades are as follows. 
XXXX XXXX acct number XXXX .... 
XXXX XXXX acct number XXXX .... 
XXXX XXXX bank acct number XXXX .... 
XXXX XXXX Bank acct number XXXX .... 
XXXX XXXX acct number XXXX .... 
XXXX acct number XXXX ... 
I want written proof from these companies that these accounts belong to me meaning something with my signature stating that I opened them
HP sears is attempting to collect debt on behalf of XXXX for the services that I have never received in first place! My numerous attempts to contact them went ignored and now western dental AND HP Sears are calling and mailing harassment letters non stop. Where is the justice here!!!
This, car was not working correctly since I got it from the lot. I took it in a few times for service and the engine light was always on. I had to return the car back due to all the trouble it was giving me and I was paying more out of pocket to have a mechanic fix it. The car was returned and I am still getting billed for it.
In  XX/XX/XXXX , I was approved for a  Car Loan wi th  Santander  Bank. Started making the payments and received statements copies on my mailing address every month. Payments were set up as Auto Pay so the loan was paid automatically from my checking account on the  XXXX  of every month. This loan was open and in good standing for 1 year and 4 months, no late payments at all. Santander has n't report any of my payments and account closed to all credit bureau and this is affecting my credit as I tried to refinance my card with another bank and they were not able to find this information to give me a better APR. I 've been contacting  Santander  since  XX/XX/XXXX  for this information to be added to the credit report and they promise to do so. The excuse they gave me every time I followed up on this was that my last name was too long. I explained to them that I have business, loans and credit card with a tota l of 7 banks a nd they all report to my credit bureau with the same long last name. Today,  XX/XX/XXXX  they still do n't report anything and the last time I called which was 3 days ago, they told me that they can not report this information anymore because the account has been closed for over 60 days. I made a total  of 7 calls to get this  corrected and never happened.
This is not mine was opened in my name not by me and this should be taken off my credit thank you
Thanks current PayPal account it is impossible to find your deferred balance on their app even though thats how the purchase was made they send some information but not when the big interest is due its fraud Thanks in advance XXXX XXXX
I was pre-approved online for 3 of US Bank 's credit cards on XX/XX/XXXX. The offer I was given is attached. US Bank is currently, as of this today XX/XX/XXXX XXXX, running a {$150.00} promotion for spending {$500.00} in 90 days. It is open to the public for anyone who applies. My pre-approval offer had this {$150.00} promotion, 0 % intro apr for purchases and balance transfers, and an advertised rate of 20.24 % APR. I applied in the branch with my personal banker. When I called US Bank 's customer service line to find out my APR, I was completely shocked. I was given an APR of 23.24 % ( 1 % away from the highest APR offered ) and I have a XXXX Fico with XXXX  ( the bureau utilized ). Not only did I receive a very high APR, I didn't have the advertised " spend {$500.00}, receive {$150.00} bonus, '' attached to my account, even though it's available publicly. I also don't have the 0 % on purchases, only 0 % for balance transfers. 

I reached out to US Bank and faxed over a request to review my credit card offer. I also mailed a letter to their Cardmember Services address and corporate headquarters. I faxed over the documentation showing the promotion is available publicly as well. They responded by mail on XX/XX/XXXX that the promotion is targeted. Apparently the representative that reviewed my request, did not even notice their own website. I've exhausted every amicable solution possible. 

While I understand it's US Bank 's discretion to only provide me a {$1500.00} credit limit ( which doesn't reflect my creditworthiness ), I really feel deceived with the terms of this credit card and the lack of promotion that was not only targeted to me, but also open publicly.
On XXXX/XXXX/XXXX XXXX XXXX tried to collect a debt of {$1600.00} from me. This is the wrong amount it was only {$1000.00}. They also have been sending me letters for 3 years threatening me.
I have had a credit card with citi bank since 1989 in the past their customer service was excellent and I never had a problem with them. Over the years I have heard numerous stories about difficulty with citi bank yet I continued with them. Over the past two years I have had nothing but difficulty with this company. Promising lower interest rates if I called back and requested at a specific time only to be denied. Cancelled cards ... increasing limits on cards I did not want increased and lowering limits on cards that I needed increased. They recently acquired the XXXX account from Costco they lowered the account credit limit and would only increase it if I agreed to a credit check ... yet at the same time increased a credit limit on another card by XXXX more than what I was requesting. When the account was transferred I had accrued a rebate of approx XXXX dollars. Due to the ensuing difficulty with Citi bank I cancelled this card and have paid off the balance. Now they are refusing to pay the rebate amount as well as charged me XXXX interest. I am requesting the rebate amount be refunded to me as well as the XXXX being removed as payment as the bill was paid in full. Thank you in advance for your assistance with this issue.
XXXX XXXX XXXX Home Equity is Reporting Incorrect Info on Credit Report, Reporting ( 3 ) different Reports to each credit Bureau, All different reporting Good Months on XXXX and Showing 30 days late on same month reported good to other bureau, XXXX XXXX XXXX balance due is also different then credit report balance, shows XXXX but XXXX XXXXXXXX XXXX Shows almost 80 a month, I Paid XXXX XX/XX/XXXX for XXXX and XXXX payments and did through window with teller, and XXXX showing 30 days late. How is this possible if i made a XXXX payment for 2 months at a time for a XXXX payment, An example they showed me late XXXX on XXXX and for same month reporting to XXXX im clear, In XXXX alone i have made XXXX in payments toward bill like i let the teller know when they take my payment for a XXXX bill that does not total XXXX in a year how is it possible to be late 3 out of 6 months, its not my fault teller put payment to principal not my payment, This has really messed up me getting a mortgage due to Mortgage lenders seeing me late on a XXXX payment for Home equity, this is unfair and does not make any sense, let me not get started how now they opened the account that has been closed for years and inside teller they say there a finance charge when account was closed forever, misterically is now open again, XXXX  XXXX XXXX is fraud itself and should be looked at, Lets goto XXXX they had me late the whole year however show payment history, keep in mind the payment is XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX however on Credit Report showing late the first 7 months how is this possible with those payments, i dont have online banking they say my account is closed so i need to pay with teller where is teller putting my payments im trusting another person who does not care about me.
I have disputed the late payments on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX accounts for months. Experian refused to reverse the late payment.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.
I opened an EZChoice Checking account with M & T bank on XXXX with a promotional offer of XXXX cash bonus after direct deposit of XXXX within 90 days ( XXXX XXXX XXXX XXXX. Upon fulfilling the requirement on XXXX, I sent out an secure message to the bank trying to confirm the bonus and the approximate date on which the bonus will be deposited. However, M & T bank denies the promotional code being attached to my account, and refusing to give out the bonus.
1. I made additional payments above my scheduled payment and the bank applied all of these additional funds to interest without telling me. When I requested an amortization schedule, the bank employee refused. 
2. In XXXX 2016, this Santander Bank NA imposed a forced flood policy on my property for % XXXX. I have a policy on my property and I refused to pay. I faxed this information to the bank multiple times ( 40 times first time, 20 times, the next ) but the information mysteriously disappeared and even though I made my scheduled payments, the bank stated that I was not making my payments because I did not pay this {$5000.00} fee. 
3. In XXXX 2016, I made an additional payment of XXXX the Bank imposed a property search fee on my property, charged me {$85.00}. for this and took the entire additional payment of XXXX instead of applying it to the payment, thus I am late again. 
4. On XXXX XXXX, I attempted to make a payment for {$800.00} ( regular payment of {$16.00} cents and the rest as principal ) the bank refused the additional principal payment. this is the usual occurrence. This bank always thwarts attempts to pay down the principal. 

Because of all of this, my credit rating has dropped XXXX points because it appeared that I did not make payments for 3 months.
I was recently laid off from my job and attempted to see if I could get my student loans from Navient temporarily suspended until I could find work again so that I could continue making payments. Navient told me my only option was to put the loans on forbearance for 3 months and they would have to charge me {$150.00} for this service ( completely unacceptable to take advantage of someone this vulnerable! ). I have also attempted to lower my monthly payments of {$500.00} with them and come to finally find out that I 'm only on a 5 year term repayment plan ( which I was never informed about ; no wonder I 'm paying {$500.00} a month! ) They informed me that in order to lower my monthly payments they would have to extend my terms which would require a credit check ( not sure why that is ) and my co-signer would have to prove she is not able to make the payments either. I 've attempted to remove my co-signer a few times off of my loans as I 'm no longer in contact with them and I 'm XXXX years old and no longer need a co-signer. Navient is extremely difficult to work with and I want my payments temporarily suspended until I can find a job without getting charged for it, I want my monthly payments lowered, and my co-signer removed from my loans without her permission as I 'm XXXX years old, no longer need a co-signer, and I 'm the primary on the account.
GLA collections has been calling someone else 's phone several times a week leaving voicemails with my name & that it is a collection. I got my credit reports & they are on my credit reports for the following : XX/XX/XXXX for {$1200.00} XX/XX/XXXX for {$280.00} XX/XX/XXXX for {$140.00}. 
I sent GLA Certified letters asking them to remove them from my credit report & XXXX if these debts are mine on XX/XX/XXXX. They only sent itemization of the accounts & nothing else on XX/XX/XXXX.
Numbers on final LOAN ESTIMATE ( for property taxes in particular ) went up by more than 50 % from original LOAN ESTIMATION when we decided to proceed. New LOAN ESTIMATE added over $ XXXX to estimated monthly costs ( a rise of over 50 % ) and put the house out of any price range and budget my wife and I would have been comfortable with. We do n't know what recourse we have for such drastic changes, including stepping away from the home purchase, but do n't want to be held liable. We are now stuck between moving forward and buying a home WE KNOW WE CA N'T AFFORD or backing out and losing all our payments so far and risk a lawsuit from the Seller. Loan is with Quicken Loans. Taxes are with XXXX XXXX, Michigan.
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
The lender has failed to respond to our QWR and Notice of error request sent on  XXXX / XXXX /2017 and are proceeding to sale set for  XXXX / XXXX /2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Charges after XXXX are false charges. Closed account in XXXX as a charge off. Reopened by unkonown and charges made in XXXX.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
when to car dealer and was informed on Experian I was shown cr score XXXX, then a week later cr union show the score XXXX. My question how come it when down from XXXX what I was shown to XXXX. XXXX took place on the same date XXXX/XXXX/16
I am new to USBANK and am very concerned with their unethical ways of charging overdrafts. I have had several instances where I will have a total of {$100.00} in my account and my total charges come to a total of {$110.00}, XXXX leaving me with a negative balance of - XXXX I accept blame for this but where their practices seem shady is where they will charge me {$36.00} overdraft fee for EACH item that comes through within that time frame .. instead of XXXX over draft of {$36.00},. they tell me they are charging me for EACH item they had to pay for in that time frame. Even though they already " pended '' out all current charges and subtracted them from my available balance so they could not be used and that XXXX transaction caused me to overdraft .. they charge me for MULTIPLE overdrafts. Now, i understand they had to pay the negative item transaction that came through which made a difference of negative {$10.00} that there was not sufficient funds in my account to cover it but to tell me they charged me {$36.00} for transactions that I clearly had money in there to cover all items besides XXXX is ludicrous. They then charge me an additional {$180.00} XXXX XXXX overdrafts at {$36.00} each ) causing me to become more in debt and then more overdraft fees. I already live in poverty and {$180.00} can go a VERY long way. I have talked and emailed a formal complaint to USBANK themselves with no help. I talked to a customer care rep today by the name of XXXX and she tried to explain the overdraft working of their bank. This did not help and left me more confused. XXXX instance is, my account statement clearly states I had {$23.00} in my account when a debit charge came through for {$8.00} leaving me with an available of XXXX I was charged {$36.00} overdraft fee leaving me with a negative balance of - {$20.00} which in turn caused a {$7.00} transaction to be hit with a {$36.00} overdraft fee. When does it end? I now know the reason why more people are using re loadable visa cards. Their online banking is also very confusing to which I think is on purpose to collect more overdrafts. They also told me the monthly statements do not reflect how the transactions are taken out of my account? How is this possible? and how is it possible for me to see what is going on with my OWN MONEY when they do whatever they want. Please help.
Experian has reinserted the XXXX account and the public record without proper verification or notification. This account was removed some time ago and now it is reinserted and have not been verified. XXXX is not a valid way of verification. I have contacted XXXX and they have failed to send me a Contract agreement with my signature stating I agreed to this credit account. Public records do not give out information over the phone and third party agencies do not qualify for verification. I have sent a method of verification letter stating : This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative items, as originally requested. 

Below are the items that do not belong to me that you continue to report illegally. 

1. XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

Thank you
I got a call from someone who identified themselves a from " Healthcare collections. '' They asked for personal information that I refused to give. When I asked for more information, they hung up on me. I checked their phone number ( XXXX ) with the Better Business Bureau and XXXX and nothing came up. I do n't believe that I have any outstanding medical debts, but if I do, I want to pay them. This, however, sounds shady and I wonder if it 's a scam. If it is a scam, someone else may fall prey to them. 

Thanks
Enhanced Recovery Corporation has reported a collection on my credit report for a bill for service that was never rendered by XXXX XXXX XXXX in the amount of {$590.00}. I was never contacted by this company to have the opportunity to dispute the validity of this debt prior to it being placed on my credit report, which is a clear violation of the FCRA. Also, this bill has been disputed and removed twice each time by the credit reporting agency.
I am trying to remove my name from a home loan used by my ex wife for her business. I did not sign for this loan and have asked Bank of America to send me any document with my signature on the application process. I received XXXX documents from the bank ( 1 ) a power of attorney with my signature surrendering my interests to the house used for business as agreed upon in the divorce settlement. And ( 2 ) a loan document dated 5 days after my final divorce decree with my ex wife signing my name in reference to the aforementioned power of attorney. This power of attorney that I signed as agreed upon in the divorce stipulation simply surrenders all my claim to the property and has no stipulation for any past or future responsibility for the property. 
It is my understanding that any contract which does not have my signature is null and void and can not be enforced. This is not what I am asking the bank to do. The loan is not in default and is current in the payment schedule because this is used for business by my ex wife. I am merely asking the bank to remove my name from the loan and credit report. 
So far all I have received is requests for more time to do their investigation and I have been patiently waiting for a favorable resolution. But now they have shifted tactics and is making this an identity theft issue and requesting me for notarized statements and police reports. I submit that it is their lax loan approval process that lead to a loan being approved without proper signatures more than anything else.
Fair Collections and Outsourcing  was sent a certified letter on  XXXX   XXXX  requesting validation of said debt. Letter was picked up at USPS on  XXXX   XXXX  at  XXXX , A final goodwill letter was sent on  XXXX   XXXX .     Fa  ir Collections and Outsourcing has failed to provide me any evidence. I have maintained a careful record of communication with them in which they have failed to respond within 30 days.
Fair Collections and Outsourcing are in violation of federal laws under the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), the Fair Credit Reporting Act ( including but not limited to Section 623-b ) and the corresponding state laws.