WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018 I was removed as an authorized user on my mothers credit card by her request. I tried to remove myself from the account but was told only my mother could remove me. After she had me removed from the account it still stayed on my credit report. The balance of the card was {$9900.00}. It had a minimum monthly payment of {$310.00}. She has since paid the card down, but there has been no reporting on the account since XX/XX/18. It is just stuck on my credit report as a maxed out card. I have contacted the company several times to ask them to remove the account from my credit and they refuse. They will only talk to me if my mother is also on the line. The first few times we called they said the issue was corrected, after several months of it continuing to go uncorrected after their assurance it would be corrected, we were told there was nothing further they could do. They told me I have to dispute the account with all the credit bureaus. When I asked them to send me a letter confirming I wasnt on the account so I could send it to the bureaus they again refused, stating they had no letter they could generate to comply with my request. All they were willing to do was let me record them stating I wasnt on the account.
I can not view updated credit information online through any means that I currently use. XXXX XXXX gives me an error stating that both TransUnion and XXXX  are unable to provide them with my credit information, it also states that it cant retrieve info from the credit bureau. I have been using XXXX XXXX for two years and haven't had an issue until recently, the last update was XXXX XX/XX/2018. The app says to contact TransUnion or XXXX to resolve the issue. To verify that whether it is a XXXX XXXX issue, I went to XXXX to request my free credit reports and got errors from all three companies. XXXX says for my protection they can not deliver it online, XXXX says a condition exists that prevents them from being able to accept my request, and TransUnion says they can not confirm my identity. I called TransUnion to see if there was an issue with my credit report, like fraud or theft, and all they could do for me is tell me that they see a credit score and will sell it to me for {$9.00}. Even my credit cards that track my score can't get an update. I am very concerned about the status of my credit but can't seem to get an answer from any entity about what is going on.
I have submitted all documentation as asked to Synchrony bank in regards to my XXXX benefits and they will have not applied them to any of my accounts.
My family was hit with numerous XXXX bills at the same time our monthly mortgage payments went up so our ability to pay all our bills on time was seriously affected. We have approximately {$10000.00} in credit card debt with Capitol One and have tried repeatedly to make our monthly payments of approx {$260.00} on time and have missed some therefore incurring late fees, we have contacted Capitol One repeatedly to see if we could lower our monthly to {$150.00} they said all they could offer was to not attach late fees if we continued to make those {$260.00} payments on time, which as I said we can not do, I therefore contacted Capitol One and requested my account be closed, we still are trying to make our payments on time but continue to incur those late fees, our last bill was for {$560.00} which we ca n't pay, as I have said we have never refused to pay our bills, but when we get at least XXXX calls per day at various hours that is just harassment. We are at a loss as to what to do we are potentially looking at bankruptcy or foreclousure if we can not get any help.
I have spoken with over 6 agents in the last few weeks after I was told to call back after my payment post before my late fees can be waived due to emergency XXXX and recovery that took place in my life over the last 10-12 weeks ; I am the sole owner of my account and no one knew my bills or due dates nor was I prepared for my extended hospital stay or XXXX there was absolutely no time to prepare I was promised my fees to waive off both accounts and only received fees waived off my XXXX XXXX but not on my XXXX ending with XXXX I am a long time consumer and would like cap 1 to honor what I was promised now when I call back I am told there is no offer on my account I have no clue what cap 1 reps are talking about and I have no control over how the reps note the account I know what I was told and to further prove my comments it was done on 1 account but not both - I do not need this extra stress after being a customer for nearly a decade if not longer I should not have to file a complaint to resolve an issue but I am tired of calling being transferred all over the place and spending more than 45 mins on each call without a resolution
I paid off my XXXX credit card thru Credit Control, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo XXXX but it still show 's as in collection on my credit report. How ca this be removed? XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX.
Defendants have been reporting derogatory and inaccurate statements and information relating to Consumer and Consumers credit history to third parties ( hereafter the inaccurate information ). The inaccurate information includes, but is not limited to, accounts with XXXX, CCS and personal identifying information.

Despite Consumers efforts, Defendants, have never : a ) contacted the Consumer to follow up on, verify and/or elicit more specific information about Consumers disputes ; b ) contacted any third parties that would have relevant information concerning Consumers disputes ; c ) forwarded any relevant information concerning Consumers disputes to the entities originally furnishing the inaccurate information ; d ) requested or obtained any credit applications, or other relevant documents from the entities furnishing the inaccurate information ; and e ) performed any handwriting analysis. 

Defendants Experian willfully and negligently violated the FCRA, 15 U.S.C. 1681i by failing to perform a reasonable re-investigation into Plaintiffs disputes, failing to forward all relevant information to the furnish-er, parroting the furnish-er, and failing to notify Plaintiff of the results of the disputes. 

Defendants XXXX and CCS willfully and negligently violated 15 U.S.C. 1681s-2 ( b ) by failing to perform a reasonable investigation into Plaintiff disputes, which would have included reviewing and considering that XXXX and CCS did not have Plaintiffs signature on any documents, that XXXX and CCS had illegally reported accounts in Plaintiffs name without his knowledge or consent and that Plaintiff had multiple direct conversations with Defendants XXXX and CCS about this fraud.
I 've been getting calls from company called Bryant and Bryant associates claiming be lawyers office. However, I research them on XXXX and their are collection company. This is total against law and violates debt collection rules. A XXXX XXXX has called me numerous times saying he 's got legal claim against me in his office. I 've saved voicemails sent in last three months. Company refused to verify debt through mail. They called and harassing my family friends and job. They claim be lawyers office however, they are only collection company. State of Ct says that this company ca n't charge without crime its civil issue.
Multiple attempts have been made to remove a fraudulent/misfiled account from my Experian credit report. The report was successfully removed from XXXX XXXX and XXXX as there is no contract and it was incorrectly filed on my credit statement and has had an adverse effect on my personal and business finances. In XX/XX/2018 I mistook the account for one that was closed in good-standing upon military activation and submitted a response stating this. Upon further investigation, I discovered the record was misfiled and did not belong to me. When I applied for a business line of credit, my lender informed me that the account was still negatively impacting my score, resulting in another dispute with a formal letter explaining the mistake. Experian did not look into the error and disregarded my request, otherwise, they would have discovered my military activation and that I could not have been the individual behind the transaction.
Once again I have received a letter in the mail from SECU. now all of a sudden my car note is a month behind. When I have my car payment set on automatic draft. On my paydays on the last day of the month before my check is deposited into my account my car payment of {$220.00} is deducted out of my withholdings before I even get my paycheck. For the month of XX/XX/XXXX they refused to take a payment. And knowingly refused to advise me of the situation until XX/XX/XXXX surprisingly that happens to be the same day I got a letter about my account being closed. Which is nothing but retaliation from my complaints to the CFPB. Now they expect for me to make a double payment on XX/XX/XXXX this is totally unprofessional. I have reached out to the credit union and have not been answered yet. I demand answers I will not let this go any further than it already has
I received hourly phone calls from this Law Firm - Finally being taken off guard I answered my phone since they never left a message and I had not idea who this was. There was a man at the other end on the phone insisting that I owed monies - so I requested he go the legal route and send me something in writing, Which I received X/XX/2017. - consulted with the XXXX XXXX XXXX XXXX XXXX and was given a letter to send to them basically stating that my only form of income if my Social Security monthly and additionally the claims had been resolved by my insurance carrier. 

The harassing and threatening phone calls have NOT stopped and I am at my wits end. I did check with the BB and see they are not licensed with them for all I know they could be illegal. 

Can you help me?
XXXX sent me dispute results and a credit report. The results from the dispute are inaccurate. The dates on the dispute results and on the credit report are not the same. The representative on the phone provided me with different dates as well. The negative items should have been removed from my credit report by law. XXXX representatives are placing the blame on the companies, stating that the companies are reporting the information inaccurately. ( Macy 's and DSNB American Express ) If XXXX just monitored the information reported, they would clearly see that the dates reported have changed. This is Fraud.
This original debt was included in my husband 's discharged bankruptcy ( X/2015 ) ... .the effect of the discharge is it is NOT enforceable on those community claims pursuant to 11 USC 524.
The condo at XXXX, XXXX, FL XXXX was abandoned by the owner in XX/XX/XXXX, and has sat empty since. XXXX held the mortgage, and repeated attempts to get them to foreclose failed. In XX/XX/XXXX the mortgage was sold to XXXX. 

After nine years the condo fees for this unit now total more than {$100000.00} ... an expense that has had to be shared by our 39 other owners. This particular condo was bought at the height of the real estate boom, and it is unlikely the property value will ever return to that level, especially considering a new subdivision next door will soon block our view of the water and lower the property values. 

Bottom line, the likelihood of the bank making a profit on this mortgage would seem to be very slim. 

Our 39 other owners have had to pick up the fees and expenses on this unit. Since several are XXXX, this has been a hard financial burden. 

It has been nine years since the owner abandoned the condo, and several legal attempts to get the foreclosure process started have failed. It makes no sense for any bank to continue paying property tax while our owners assume the expenses of this unit, with no end in sight. A foreclosure will at least end what is a money losing proposition for all parties. 

We respectfully request that those with the power to start the foreclosure process do so in order for the unit to be sold. We realize we will lose most of the fees, but this will at least put a new owner in the unit, one who will assume their fair share of the complex expenses.
I am concerned that the payments that I 'm making are n't being applied to my loan appropriately. I have just come out of a bankruptcy that was dismissed in XX/XX/2015 and I 'm no longer attached to the debt. However during the bankruptcy i 'm told I was charged late fees, I was billed for a corporate advance fee ( to have a sun trust rep come out and look at the home ) I ca n't confirm that any of this took place. There were no documents to sign, no appointments. While in the bankruptcy I was denied a plan ... when I sent notice to the my bankruptcy atty and copied documents from the office of attorney general for fraudulent acts by lenders.. I received an approval for assistance thru the loss mitigation stating they would allow me a XXXX repayment plan. I was denied forbearance because I was n't unemployed. The regular collections dept would not set up a payment arrangement with me on the XXXX balance set up by someone within SunTrust but there is no way I owe XXXX. It 's the fees they 've attached and the billed me for the months I had already paid .So why include that in a payment plan. No one has a consistent balance. I have correspondence showing that I only owe XXXX but actually less because I had made a payment after the balance was given. so it 's one month behind with XXXX late fee charge. The lender will not look at the suspense and calculate. Nor do I believe they are thoroughly appropriating the Preservation process. XXXX department does n't know what the other is doing. I believe the process should be done by a third party because it 's not seeming to balance out. I have never been XXXX behind on my mortgage and never 3 months behind. I have contacted HUD and the Attorney Generals Office again. Please help me
When my credit report was pulled by XXXX XXXX XXXX in XXXX Nevada and some criminal acts and felonies came up under my name, but they are not mine. I have enclosed a copy of my current drivers license as requested by XXXX, which I spoke with today. This should help clear up the confusion and clear my credit report of this fraud and identity theft.
I maintain a Bank of America credit card for emergency use that has an annual fee. I moved back to the U.S. from overseas and didn't realize the payment was due as my mail was following me around. Bank of America proceeded to post negative information on my report and refused to remove it after I corrected the problem. I don't think credit card companies should be able to damage my credit rating solely for late payment of an annual fee.
Between the years of XX/XX/XXXXand XX/XX/XXXX I was going to two different XXXX colleges at the time I was going it was XXXX college, my understanding the school I was going to shut down due it was a nation wide shut down. Recently I have called the department of education who informed me I needed to called my loan officer which is action Financial Services which I did and they informed me that my taxes wouldnt get taken because my information wasnt sent to collections, she was u able to pull my account up by my social, and she also reiterated that being that I dont have an account with the collection agency that my taxes wouldnt be taken. I also never received a letter 65 days prior to stating that they would take my tax refund as it states that it should do. On this past Friday I called to find out my taxes were taken the full amount when I called my loan officer she informed that the website updates daily so just cause I dont have an account one day dont mean I wont have one the next. Im not understanding how that exactly works and how is a person supposed to know that they taxes will get taken without calling everyday. I was told I have to fill out I formation like a hardship form and a few other forms. I was given wrong information or not the full information and due to the school closing down and I never graduated from them I am asking for a full refund of my tax return.
regions pulled my credit twice in 3 days is a violation of the fcra XXXX  XXXX pulled my credit twice same day
I have asked for proof of validation from XXXX  XXXX  and XXXX the debt is account number XXXX American Credit Acceptance. The debt has been charged off and closed. I would like for the account to be removed without proper documentation via section 609 of the FCRA
Through a XXXX XXXX rebate program in XXXX, I was mailed a {$100.00} visa prepaid card. The card was issued by XXXX and the account info was managed by XXXX. The card was issued with only a 6 month expiration window and has subsequently expired at the end of XX/XX/2018. I never used the card so the entire {$100.00} balance should still be on it, but was told the card could not be reissued and that all of the funds were forfeited. Given the funds were never used and the expiration window was so short, I am hoping to somehow get the funds reissued.
I recently contacted Chase, a third party ( Equity Accelerator Program ) that was taking payments on my loan and forwarding to XXXX XXXX. I needed to stop the automated withdrawals according to XXXX since I was on my last payment and they would not accept an automated payment for the last payment. Chase requested my husband 's social security number in order to stop the payments ; however, my husband is not on the note and never has been, he is only listed on the mortgage since we reside in Florida. I tried to explain this to them and they refused to stop the withdrawal. I do n't think this is acceptable.
The company i used to work for is no longer in business and i am needing my complete my pay statements from XX/XX/2014 through XX/XX/2014. For additional information needed from me i can be reached at XXXX. My address while I was employeed there was XXXX XXXX XXXX XXXX XXXX XXXXXXXX   however, I've moved to XXXX since then. What I am looking for a document stating and/or showing when was the last contribution i made to my 401K through manual payments/ pay deductions.
I had my XXXX in XXXX 2012 and received the XXXX bill shortly after. I paid the bill. I never heard anything again until last week ( XXXX XXXX week ) when i received a letter from a collection agency. I work out of state and I can not pinpoint the exact date the letter came. I opened it XXXX XXXX and called them XXXX XXXX. They said I was invoiced 3 times and never paid according to their records. I know I paid the bill but to go back to research it the bank charges more that the bill was for the copy of the cancelled check. The bill is for XXXX. I know for a fact that it is paid and i think this is a scam.
My mortgage loan was being serviced by XXXX Bank up until XXXX XXXX, when XXXX XXXX and I, XXXX XXXX, received a letter from XXXX advising that the mortgage loan was going to be serviced by Rushmore Loan Management Servicees effective XXXX XXXX. We had caught up with mortgage that was behind but we still owed late fees in the amount of {$900.00} ( which surprising enough is the same amount that we pay for our regular mortgage payments ). On or about the middle of XXXX XXXX, I called XXXX on the phone and spoke with a customer service representative regarding my interest in paying the late fees so that we can have a fresh start with Rushmore in XXXX. I specifically said to that XXXX customer service rep. that the {$900.00} that I was paying over the phone needed to be applied to late fees because the XXXX XXXX mortgage rent was already paid. Well, XXXX came and I called Rushmore and paid the XXXX rent. When I received the XXXX statement from Rushmore it said that we still owed the {$900.00} in late fees ( please keep in mind I already paid the late fees with XXXX - or so I thought ). I called XXXX back and spoke with customer service who informed me that instead of applying the monies towards late fees as I had asked, they applied it to the XXXX XXXX mortgage rent. I was furious! I had paid my mortgage twice!! I immediately contacted Rushmore and asked them to apply my XXXX overpayment towards my XXXX rent and they refused. They said that they needed a letter from XXXX indicating that they received the XXXX payment. After a couple of weeks and several visits to a XXXX branch, I was able to obtain a letter from XXXX advising that they indeed applied my XXXX payment to the XXXX rent. I faxed the letter to Rushmore on XXXX XXXX, XXXX, and as of today, my rent remains behind on month. I keep getting harassing letters from Rushmore asking for money to pay the XXXX XXXX mortgage - I have been paying the mortgage every month despite my efforts to get credited for the overpayment. I have complained to the Florida Office of XXXX XXXX XXXX XXXX XXXX and they sent a letter to them over a month ago and have still ignored the agency 's request for an explanation of why they have failed to credit my account accordingly. The letters Rushmore send to us, is very upsetting because we do not owe any mortgage rent. We have paid in time. The account is in my husband 's name but I am an authorized user on the account.
I have a late payment XXXX and XX/XX/2017 XXXX XXXX XXXX account # XXXX.The information is incorrect .Please delete the late payment information.
Disputed the following accounts with Equifax in which I either did not receive a response or the information was not updated to reflect correct information on my credit report. I filed a complaint with CFPB in which Equifax provided a response which did not reflect the correct information on my credit report. The following accounts were disputed - XXXX XXXX ; {$4400.00} ; CHARGE-OFF. ( Account Paid in Full ) Still on credit report after Equifax reported to CFPB that the account had been removed. ( See Attached ) - XXXX XXXX ( See Attached )
excessive calls within a time period. continuing to call old numbers when repeatedly told that the person does not live there any longer. this is harassment! I receive upto 10-15 calls a day from the same number, and an old phone number I had received 3 calls in a 1 hour period from the same number after being told I don't live there any longer.
Bank of America, after receiving certified funds ( Cashier 's Check ) to reinstate mortgage loan, cashed and then return the funds to me ( borrower ) and then wrongfully filed a Notice of Default. 
Please see the attached documents for more detail.
I filed for chapter XXXX bankruptcy and was confirmed in XXXX 2013 and first national bank of omaha was XXXX my creditors. they are reporting late payments and overdue balance in violation of the agreement. i believe this is in violation of the fair credit reporting act and an aggressive attempt to get me to pay a debt that is under bankruptcy protection. i have tried and failed to get any resolution from them and this is destroying my efforts to rebuild my credit and preventing me from doing an fha streamline on my home.
After sending certified letters on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX they both were signed for by XXXX XXXX. Asking them for Validation not verification of the collection account they had on all three credit reports they have ignored my request for validation and provide any viable evidence or any biding contract with them or signature show as proof to validate this negative account after 31 day i check my credit report and they are reporting false and inaccurate information violating Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection not show dispute Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and sending letter after letter threatening to take legal action and calling and calling many times a day now they are suing me. 


XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX