WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX XXXX XXXX have requested account validation of debt on X/XX/2017 from XXXX XXXX XXXX XXXX. ( ERC ) and they have never responded to my request in writing. I XXXX XXXX XXXX have never entered into a contract with ERC and I do not owe them any money, the account is paid in full. It has been approximately 95 days since my initial correspondence, and they have ignored my attempts for them, ( ERC ) to prove validity of said debt, by providing a signed contract baring my signature to do business with ERC.
In XXXX XXXX I contacted Avant based on an email I received offering an installment loan. I was told over the phone, by an Avant agent that the loan amount might be slightly higher than I would normally pay, 30 percent interest, but after, " a couple of years of on time payments. '' I could refinance for a lesser rate. After 2 years of on time payments I contacted Avant in  XXXX XXXX and was told that I could not refinance, even though there was no change in my credit score, my address remained the same, and my employer was still the same. I informed Avant about the statement made in XXXX of XXXX and was told that they did not have to honor it. I contacted Avant several times via telephone in XXXX regarding this dispute. I made the request for the terms and conditions and filed a written complaint ( attached ) via certified mail, as outlined in Avants, XXXX XXXX terms and conditions. Avant did not respond to the letter as they were supposed to in the agreement. I then was told via telephone that if I let the loan fall a few days past due that I could offer a settlement. I allowed the account to fall past due and was then told that I could not pay a settlement amount. I was offered a reduced payment plan, " until the dispute was resolved '' for 6 months. I entered this agreement and paid as agreed. I was not allowed to pay in XXXX of XXXX and had to call a second time and file a complaint to make a payment. In XXXX of XXXX I was again not allowed to pay. I contacted Avant the end of XXXX and offered to make arrangements but was told that someone would get back with me. Nobody returned our calls or emails. I then offered a settlement amount and stated that I did not want my consumer report harmed and Avant offered to settle, but did not provide an amount. I offered an immediate payment of XXXX dollars, but did not receive a response. I emailed several more times and my husband contacted Avant on  my behalf to no avail. On XXXX XXXX, XXXX, through the online portal at avant.com I was offered to reduce the rate to 9.99 percent, which I accepted. The next payment due was then shown as XXXX XXXX, XXXX. The account has never shown past due and during the period between XXXX XXXX, XXXX and XXXX XXXX, XXXX I was in contact with Avant regarding the dispute. The last payment was due XXXX XXXX, XXXX ... yet Avant is now reporting that I am 93 days past due to XXXX. I have contacted Avant and they continue to fail to respond. I do not want this to harm my consumer report as I have very good credit, I have not missed a payment on my own accord and only missed the XXXX payment because Avant would not accept it and I was in dispute trying to get Avant to take a payment for the next 29 days.
Experian is reporting a never late payment account as " paid for less / paid in full ". Its reporting under a negative rating and effecting my score. The lender said and I quote '' experian should not be reporting paid for less. You have made you complete obligation in full and on time. Experian has a history of trying to keep me in the red. I have almost a perfect credit history.Experian has always been dishonest from my experience
There is Public Record Information on my personal credit profile that I am challenging as being inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law. Because this filing was NOT a completed or satisfied action, my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. By Consumer Law I have the RIGHT to know who the 3rd party entity that has reported this information as being verified in its accuracy. The Bankruptcy Court, a Federal Government entity has confirmed that they do not verify to the credit reporting agencies. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
I have been trying to fight erroneous information on my credit report for about 4 months. I am married to XXXX XXXX who submitted a complaint right before this one.

I supplied my drivers 's license and a dispute to all 3 credit bureaus last month, and to date, I haven't received any results!

I can't call them because I don't have a report number which is nonsense, my job 's review is coming up and this information will have me lose my security clearance which will have me lose my job!

There are several addresses where I never lived, and several different names that is not mine. I believe because I am an XXXX there is confusion about my name. I want all my information to be accurate and the company 's seem to be stalling. I will attach all 3 disputes that were submitted, and a copy of my driver 's license.
There are several inquires that have hit my credit file which are AMEX XXXX, XXXX and XXXX I did not apply for credit with this company.
It all started when CitiMortgage bought our loan from XXXX. I made my normal payment to my mortgage company ( XXXX ) and another mortgage company ( CitiMortgage ) called to tell me that I was late with my payment. When I informed them that I had already mailed my payment I was told that CitiMortgage bought my mortgage and I was to pay them. We were making our payments and such and got a letter saying that CitiMortgage was charging us for homeowners insurance that we already had and was sending in the certificates for every year. We later found out that we were being charged for insurance for 7 years. We started really looking at our bill and saw " fees & fines '' and when we asked where these fees and fines came from, they could n't tell us. We tried to do a modification with them in XX/XX/XXXX/XX/XX/XXXX and was denied after the 6 month trial because they said that they did n't get our first payment. When I told them when it was mailed in and the money order number they did an investigation and found our payment on the desk of someone that no longer worked for the company, but they still denied our modification and the only option that they gave us to keep the house, was to do a modification that started with a low interest rate that would increase every year until we got to our initial interest rate, so we did. We started another modification in XX/XX/XXXX, but I lost my job and they quit talking to me. I stopped getting monthly statements from CitiMortgage and started getting them from a company called XXXX. We tried to do a modification with them, but were denied for different reasons, and then they said that they were going to foreclose without offering any other options such as putting what we owed on the back of the mortgage because they said what we owed was {$30000.00} which means @ {$580.00} a month, we would n't have paid for at least 7 years which is untrue. XXXX said that the house went to auction XX/XX/XXXX, but no one bought it. They continued to send us statements until XX/XX/XXXX. My husband was talking to a realtor that works for XXXX and he told us that the deed was transferred XXXX XXXX, XXXX, which we found out was a lie. I got a letter in the mail that says the deed was transferred back to the lender on XX/XX/XXXX. A guy from the mortgage company showed up at the door to see what to tell the Sherriff 's Office, and when we told him what was going on he informed us that XXXX is not even a mortgage company, but a debt collector and never had any intention in helping us keep our house and suggested that we get a lawyer
incorrect use of the 30 day grace period when applying for credit for a auto loan by Equifax & XXXX to many hard hit 's on credit report in less than 30 day 's. 
once in XX/XX/XXXX & again in XX/XX/XXXX.
I made a purchase of {$48.00} on XX/XX/XXXX using my XXXX XXXX card. On XX/XX/XXXX It acquired a finance and late free charge of {$28.00}, this was due in part to the fact that I had been issued a new debit card by my bank and could no longer make payments using my existing account. On XX/XX/XXXX After calling, XXXX was able to credit me {$15.00}, which brought my balance to {$61.00}. 

On XX/XX/XXXX I made a payment of {$48.00}, brining my overall balance to {$13.00} plus a minimum charge of {$1.00} which was assessed on the account on XX/XX/XXXX. This brought my total outstanding balance to {$14.00} with a due date of XX/XX/XXXX. 

On XX/XX/XXXX I paid the total outstanding balance of {$14.00}. However, on XX/XX/XXXX I was charged another minimum charge of {$1.00} ( which I was never notified about ), followed by another charge of {$15.00} on XX/XX/XXXX, {$1.00} on XX/XX/XXXX, {$20.00} on XX/XX/XXXX, {$1.00} on XX/XX/XXXX. All these charges bring to me to a current overdue balance of {$52.00}. 

I do not feel like it is my responsibility to pay the remaining balance, when my total balance was paid off on XX/XX/XXXX. They are alleging that the addition of the {$1.00} minimum charge on XX/XX/XXXX is what rendered my account overdue and triggered the subsequent charges to be assessed to my account. When I called and spoke to a representative I was told that " minimum charges '' are assessed on accounts on the fifth of each month. That charge was not on my account on XX/XX/XXXX and account activity shows it was applied on XX/XX/XXXX. In the past the " minimum charge '' had been added to my statement on XX/XX/XXXX and XX/XX/XXXX but in XX/XX/XXXX, conveniently, it was added on XX/XX/XXXX. 

I tried my hardest to satisfy my account with XXXX XXXX all while coping with a mother who was XXXX of XXXX. When the average consumer looks at the account activity page which is supposed to help cardholders it is very confusing to understanding how charges are being applied to the account and what the true outstanding balance is. XXXX XXXX is penalizing cardholders by assessing late fees on XXXX balances. XXXX XXXX assesses charges without showing the true outstanding balance which misleads consumers who are trying to pay off their cards. I am not responsible for the total outstanding balance as it is made up of charges by XXXX XXXX and not reflective of any purchases made using the card.
I have debt with American Express and have been receiving phone calls/messages from agent of theirs. This agent has called my personal desk number and cell number, and is now attempting to contact me via my employer 's Human Resources Division. I provided American Express with my personal cell number and my desk number to directly contact me. I have never allowed/provided American Express with contact information of my employer 's Human Resources Division. I received an email from my Human Resources Division that an American Express agent named XXXX @ XXXX has made contact with them regarding my account. They are wondering why my personal finance calls are going to their office. I am wondering the same thing too.
Dear Customer Care, I would like to inform you that this does not belong to me. I have previously reported and it has been removed from all of the other credit bureaus except XXXX. Please Kindly remove this from my XXXX credit profile. 

SUNRISE CREDIT SERVICE XXXX Thanks XXXX
Robo phone call from XXXX, National Recovery Services. 
They contend there is a legal matter and I need to contact their office. I owe no one. I have no credit car debt. My credit rating is over XXXX. I want these harassing calls to stop.
XX/XX/XXXX : I was sent a final account statement from my previous apartment complex, XXXX XXXX of XXXX, NC, stating I owe a total of : {$5300.00}. My charges equal a total of {$1400.00} and XXXX XXXX is charging me an additional amount of {$4100.00} to " move-out ''. They had signed me up for an additional 4 months, from XX/XX/XXXX to XX/XX/XXXX. My lease was originally set to end on XX/XX/XXXX. I spoke with the apartment manager ; XXXX XXXX via email on XX/XX/XXXX stating I needed to extend my lease until the end of XX/XX/XXXX, ONE month total. She forwarded me the lease to sign and it was returned to her on XX/XX/XXXX. She had signed me up for an additional 4 months. I agreed to only an extension of ONE month not FOUR. I was charged {$4100.00} in rent/late fees for those additional months. I will gladly pay the {$1400.00} in charges for the month of XX/XX/XXXX. I moved out the last day of XX/XX/XXXX and sent her notification of my move out date. This incorrect charge is now in collections and damaging my credit score, preventing me from applying for credit cards and loans. I have an email with payment confirmation for XX/XX/XXXX rent, I have attached these email conversations. The payment was made by my boyfriend at the time, XXXX XXXX.
Representatives tell you to sign and they have different numbers, that we are only signing estimates, then we put down the good faith deposit, which since we wanted better numbers, he said he would get them to us before they processed the withdrawal, we received the charge immediately, but did n't have the estimates to say if we wanted to even continue with the loan. stated we would get the full {$500.00} deposit back, since we were not doing the appraisal, and I advised them on credit fee as well. They agreed to do the full {$500.00} back, but as of now, they said what ever the rep said over the phone did n't matter because they have a written confirmation that says they would take out fees. Also the loan has been withdrawn and they state they will not release or start to process those funds back to us for over 10 days! we were told this would be immediate, but as stated again, they refer to the agreement which does n't have a date, it literally says when your loan is withdrawn you will be refunded, not 10+ days later.
I had a Capital One credit card, ending in XXXX, with an expiration date of XX/XX/XXXX, show up on my credit report as being delinquent due to a purchase at XXXX XXXX on XX/XX/XXXX for around {$25.00}, total due showing as {$89.00} due to late fees and interest charges. 

After seeing this information on my credit report, and that it had dropped by credit score by nearly XXXX points, I contacted Capital One to discuss the matter. I told them that I had not used the card in close to 8 years and that the card had expired on XX/XX/XXXX. They were also able to confirm this. I also had never renewed the card when it expired on XX/XX/XXXX. Certainly the account would have been automatically closed within nearly a 4 year timespan of the card expiring as well. 

Not only did I not make any purchases with the Capital One card for nearly 8 years, on the date of the transaction, I was in the hospital with my with my wife and XXXX daughter who was born at XXXX on XX/XX/XXXX. Capital One advised me that it was an actual credit card swipe on location at a XXXX XXXX store. While I can imagine a credit card purchase being done online using an expired credit card, the expiration date is coded into the magnetic strip which would not process at any modern POS credit card processor. 

I was prompted to look at my credit report due to the fact that I was denied a credit card that I had recently applied for. This never happens as I have an excellent credit score. This is when I noticed that Capital One was reporting this card as delinquent. 

Capital One should never have authorized any transaction on an expired account/credit card. Not only did they allow the transaction to process, but it was done so fraudulently. As a result, they reported inaccurate information to the credit bureaus which has directly affected my ability to obtain credit. 

Capital One did not directly address the issue of why the transaction was allowed to occur, but they did state that they will send me out a fraud application to fill out and I will receive notice of their pending investigation. 

I believe that the fraud application is a moot issue due to the fact that the credit card transaction should not have been allowed to occur in the first place, however, I will fill it out and return it per their instructions. 

The credit card I was denied because of the derogatory remark from Capital One was having a promotion that if you signed up for the card, you would get {$100.00} credit on the issuer 's website. I am seeking {$100.00} in compensation.
Obtained a car loan with GAP insurance from Wells Fargo in XXXX XXXX, XXXX. The car was involved in an accident and there was a total loss date of XXXX XXXX, XXXX. Prior to this date the account was NEVER late and paid on or prior to the due date. There was also GAP coverage through XXXX ( XXXX ) on this loan with Wells Fargo. During the wait for reconciliation of the loan balance payoff from XXXX XXXX and XXXX ; I made calls EACH month to inquire if a payment should be made on this account during this time because the account was showing " past due '' and late fees were applied. I was told " NO '' each time because the insurance companies had to make final payment. Each month the account was showing past due I called the company and was assured that the account was NOT being reported to the credit bureaus as such. XXXX paid out on XXXX XXXX, XXXX and the GAP insurance was finally processed on XXXX XXXX, XXXX but not applied until XXXX/XXXX/XXXX. This left a balance on the account, after adjustments of XXXX and a loan was obtained through Wells Fargo to pay the this loan balance in XXXX installments. 
Per several conversations with customer service and the office of the president ; I was told that the reason the account was showing at the credit bureaus as being severely late is because the GAP was terminated XXXX/XXXX/XXXX. This does not add up at all. Per my call to XXXX ( Gap insurance ) I was told that the coverage was terminated after the final adjudication of the claim via a letter dated XXXX/XXXX/XXXX. The GAP coverage was terminated after this because the loan was considered closed NOT in advance as was stated by Wells Fargo. 
My calls to Wells Fargo Dealer Services are rerouted and not being handled. I was told to fax information to the Credit Dispute department so they can review the issue but nothing has been done to date.
On XXXX/XXXX/XXXX at XX/XX/XXXXI walked in to the Chase Bank off of XX/XX/XXXX in XXXX and noticed they only have one teller now and have replaced the tellers with two atm machines. The teller line was long and the assistant branch manager walked over to me her name is XXXX XXXX  and stated you can use the ATM. She went on to help me deposit cash I put {$1300.00} dollars in ATM which she assisted me with and an error came up and a receipt came out stating I needed to call the number on it to verify my deposit was credited to my account. The Manager said sometimes this happens, let me check your account. My deposit did not post. She immediately called the claims department and they assured us after making the claim I would be refunded with a temporary credit of my {$1300.00} dollars within 12 hours. That never happened. I called 4 times today and spoke with Chase claims department my call was escalated. The representative advised me that per Chase policy they can hold my cash deposit until XXXX XXXX until their research is completed. I said how can you hold my funds, my cash for two weeks.??? nothing has been done. I have yet to receive a temporary credit to my account even after I have given them all the information they requested not to mention their Assistant Branch Manager helped me make the deposit. Iv kept the receipt and Im completely frustrated by their lack of customer service. Its my money and I want it back. The Chase bank I used is located at the following address- XXXX XXXX XXXX XXXX XXXX ATM Terminal ID- XXXX
Portfolio Recovery Associates i s falsely validating a debt in the amount of {$1500.00}. They are reporting this false information to all three credit bureaus. Portfolio is also using fraudulent collection practices to collect on false debts. They issued me a Check in the amount of {$30.00} and asked me to sign the back of it and cash it. I do n't recall such claim that should result in a check being issued to me and requesting my signature. They stated on the check that is for a litigation I am receiving a refund and that I must sign this check and negotiate it.  Claim number:  XXXX  Ch eck Number:  XXXX  Check Amount {$30.00} Check Date  X/XX/2017   . There is no such claim that I ever participated in. I received this check after I disputed a false account that they are trying to collect on. The are saying that it is a settlement approved by the court. I requested Validation of a contract with my signature on it for the account that they are reporting in the amount of {$1500.00} They have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section  609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A  ) of the FCRA they are required to promptly DELETE all information which can not be validated or verified.
Last year I received in the mail an unsolicited credit card from Chase Bank. The card required my activation which I withheld as I did not want the credit card. I promptly forgot about it and then about 3 weeks ago I received a telephone call from Chase advising me that they suspected that my account had been used ( or had had an attempted use ) that appeared to them to be fraudulent. I explained to them that I did not have an account or credit card with them. I explained that I had received an unsolicited card but had never activated nor used it and that I do not want it. They replied that I should contact the XXXX major credit rating agencies to explain what had happened. Yesterday I received a form letter from Chase stating that their internal investigation cleared me from any responsibility for the fraud and that they had so notified the XXXX credit agencies. 
I then though of the XXXX XXXX incident in which employees were opening credit card accounts for people just to get the bonus. Could it be that Chase is also guilty of that? 
Please look into this. I have never applied for an account of any kind with Chase bank.
On XX/XX/XXXX, I sent a letter to Equifax about an XXXX XXXX credit card on my credit report reporting with late payments. I asked Equifax in this letter to re-investigate these late payments as those are errors. 

I have included the letter I sent them on XX/XX/XXXX. Equifax responded on XX/XX/XXXX updating personal information only. I never asked them to update them personal information and instead asked them to investigate why there were late payments on this XXXX XXXX account.