WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  cancelled my debt and issued a  XXXX  IRS form for which I had to pay taxes on the forgiven amount. Per Internal Revenue Bulletin  XXXX  ( Removal of the  36-month nonpayment Testing Per iod Rule ) on  XXXX   XXXX ,  2016 , creditors should not send you a  XXXX  form unless the debt is really canceled, extinguished, forgiven, and gone for good. I have disputed the accuracy of the account balance and past due amount with the credit bureaus asking that they be updated to show a {$0.00} balance and {$0.00} past due. However, the information does not update.
Please be advised, it has been over a year that i have tried to work with both credit bureaus XXXX and TransUnion and XXXX  XXXX XXXX XXXX to have an account that is reporting false and inaccurate information removed. I have called and wrote letters to all 3 companies and to date, like i said it has been over a year and the wrong information remain on both me and my wife credit. <P/>I am not sure who is at fault, the bureaus or the credit union, but XXXX XXXX XXXX XXXX # XXXX is reporting on my credit as a REPOSSESSION when i still have the car and have been driving it pretty much every day, making my payments on time without any slow pays or missed payments!!!! <P/>At this point, i have met with an attorney and will move forward with a steep law suit because this discrepancy has prevented me from securing a home loan for my family and I. My beautiful daughters should not have to suffer because of an error that has been caused by the bureaus or the credit union. I am requesting the account be removed or the payment history be corrected by XXXX XXXX, 2017!!! <P/>I have awaited a year!!!
In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.
Citibank changed the APR on my card without warning or reason to 22.74 % from 3.5 %. 
I sent a message requesting an explanation and got no response. 
My APR was low because I was an employee, and for several years was not paid full wages. After the class action suit and final payment, I understand I 'm not entitled to this APR, however the rate changed immediately after I complained about a late fee. ( Was unable to pay on time because of the web site ) I feel the APR change was retaliatory and not based on my credit rating. No late or missed payments - I believe the person who got my message abused their privileges. Even if this is untrue, there was no notification or notice sent in any way.
Accounts - XXXX, XXXX, XXXX were closed due to identify theft but for some reason they are still in XXXX XXXX XXXX XXXX XXXX and they keep harassing me over it. Called XXXX and Enhanced Recovery Solutions said they could not talk to me about accounts. Just want these taken care of and proof that they were taken care of. Also Verified that there were taken care of over 2 years ago with XXXX XXXX XXXX but due to lack off communication they stayed open through 3rd party collectiuons.
I attended XXXX University in XX/XX/2015. I eventually dropped out of classes. While in classes I used federal student loans to cover my courses. However XXXX University now has a collection agency Ability Recovery Services reporting I own a balance of {$3200.00}. At no point did I have a contract with XXXX University for them to now report to the credit bureaus stating that I owe them any money. I attempt to complete this issue with XXXX as well as Ability Recovery but I still have not recieve anything stating that I directly own them any money. I am currently passing my loans back including XXXX through XXXX XXXX, the student loan company that I have been working with with all of my student loans. On top of XXXX and Ability Recovery not being able to provide validation of a contract that I had directly with them they did not return the funds back to XXXX services that originally was posted to my accounts for course in advance. This has still not been explain. This is an account that should immediately be deleted from all three credit bureaus. The actions that XXXX has taken is illegal and Ability Recovery as a collection agency is in the wrong for not having the proper paperwork as well also due to I never I completed a contract with them so at no time should they be contacting me regarding any debt. Further more based on the statute of Limitation in South Carolina the limit is three years for collection of debt. Even though there is no validity to this debt above is another reasons as to why I am requesting this debt be removed from all three credit reports immediately. 

Attach I have a statement from XXXX services confirming that the funds were not return. This is against the law and XXXX or Ability Recovery is able to explain but they are requesting funds from me that finiancial aid would have covered, which I why Im currently making money payment with a legitimate student loan agency, XXXX XXXX.
My Citi Prestige credit card comes with a {$450.00} annual fee and is billed as Citi 's highend credit card. One of the benefits that comes with this high annual fee is supposed  access to a premium " concierge '' service. Another benefit of this card is a " 4th night free, '' which allows a credit card holder to receive a fourth night free ( when booking four or more hotel nights ) through its concierge service. However, Citi has made it virtually impossible to use this benefit. I was on hold for more than two hours to redeem the free night benefit. I got nowhere. By making it impossible to redeem this benefit, Citi has effectively eliminated it. As a result, the annual fee is paid and the customer receives nothing in exchange. 

I want my annual fee refunded. I do not pay an annual fee of {$450.00} to wait on hold for two hours to use my benefits. To make matters worse, I called early in the morning, at XXXX   EST. Yet, even at that time, the hold times are ridiculous. If Citi is going to charge an annual fee of {$450.00}, it should not make its customers wait two hours to access their benefits. I spoke with a supervisor and he was apologetic but could not offer any solution.
In XXXX, I terminated my agreement with XXXX, after switching to XXXX XXXX, and returned the converter box. XXXX claimed I never returned it, and demanded payment, which I refused to make. XXXX then reported me to a collection agency, XXXX, which reported me to all XXXX credit bureaus. I had a house fire which destroyed my receipt for returning the converter box, so I decided to wait 7 years for it to fall off my report instead of paying what I did not owe. In XX/XX/XXXX, Stellar Recovery re-aged the information, and it is still on my credit report. I filed disputes with all XXXX credit reporting agencies about 2 months ago. XXXX and XXXX removed the item from my credit report. Transunion, however, kept it on my report, noting that I am disputing the information, but that it meets FCRA requirements. What I am looking for here is twofold. 1 ) To have this information, which has been falsified, removed from my report, and 2 ) For whoever is responsible for falsifying the information to face sanctions, including criminal penalties, if applicable.
I saw a web advertising for Amex Premier Rewards Gold Card ( -XXXX XXXX XXXX XXXX XXXX ) what Amex mentioned {$2000.00} spending within 90days and I can get XXXX MR points. But Amex didn't give this XXXX   reward points.

Amex said that I already had same card with rewards points.

But, when I apply this card, web site application didn't mention about that. And former card made long time ago.
WE borrowed money for our oldest daughter to attend college and began paying it back after graduation in XXXX. In XXXX we filed a chapter XXXX bankruptsy and the trustee took over paying on this loan. At the time she took it over we still owed {$3800.00} on it. She paid on it for 5 years and paid it off. We have proof of payments. But 6 months after our bankruptsy was discharged we got a statement from Navient that we still owed over {$1100.00} on the loan. I sent everything that we had to Navient showing them every payment that was made. Our trustee paid to an address in XXXX and Navient 's were billed out of XXXX XXXX XXXX. They sent back what they had and our records do n't match. They do n't show all of our payments/ I 've sent copies to them over and over and called them repeatedly, to no avail. Today in the newspaper i saw the article about the complaints several consumers are having with Navient. You can add us to that list. I have proof that our loan was paid off.
I lost my HSBC debit card in XXXX 2017. When I noticed the loss I immediately contacted XXXX XXXX and they informed me about fraudulent charges of XXXX XXXX. I was told that my funds will be restored and they will send me a new card. I contacted XXXX police department and filed a police report XXXX and I also filed Identity theft report with Federal trade commission XXXX too. I provided all that information to HSBC and their employee XXXX XXXX. It is already three month that my funds are not restored. I contacted HSBC several times and nobody helped me. Everybody told me that I should talk with XXXX XXXX and that person was never available or returned my calls. I am out of XXXX XXXX of my hard earned money and HSBC bank never tried to help me and secure my funds. None of their employees ( especially XXXX XXXX ) or supervisors did any investigation or contacted me to help this matter. This type of service from HSBC is against Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, and from my experience they dont care and have no interest helping their client.
I was provided a modification back in XXXX with an extremely high interest rate of 7.5 %, unfortunately I experienced another hardship and fell behind again due to my divorce and having to pay child support which raised my expenses. I recently submitted for another loan modification and was told that they can not provided me with assistance because I already had a modification. I do not feel the previous modification was fair as the interest rate was still high and therefore accepted because I had no choice and wanted to save my home. I am now facing another foreclosure sale on XXXX/XXXX/XXXX and an not being provided any options to avoid foreclosure.
I opened a totally free checking account with Bank of the West in XXXX XXXX in or around XXXX. There were no fees associated or minimum balance required. In XXXX I moved to XXXX state and used funds from the BotW account to pay for moving expenses. When I arrived in XXXX, I opened a different checking account and attempted to close the Bank of the West account over the phone. The representative informed me that I could not close the account over the phone, but had to visit a branch. The closest branch at the time was hundreds of miles away, so I left {$5.00} in the account and let it sit idle. I check the statements delivered through email periodically and it sat there safe and sound for over two years. On XX/XX/XXXX I was suddenly charged a {$10.00} " Service Charge '' with no warning, bringing my account balance to - {$4.00}, and another one on XX/XX/XXXX dropping me to - {$14.00}. I first became aware of this problem on XX/XX/XXXX and immediately phoned Bank of the West at XXXX XXXX Pacific time. They informed me that my account had changed, but that they could not notify me of this via email, even though all of my statements and correspondence have always been exclusively through email. The supervisor then stated that there was a notice in the statement of the month when the account changed. At that point I checked the appropriate statement and found no such notice at all. I was also told that they could not reverse both charges, only one, and that I would need to bring the account to positive balance before I could close it. I told them that I had repeatedly tried to close the account over the phone in the summer of XXXX, but that I couldn't accomplish it over the phone. Now, they want me to send a check for {$4.00} to a branch in XXXX, XXXX  in order to achieve a positive balance and then call back in to attempt to close the account. Needless to say, based on previous experience, I have little reason to trust that my account will be closed via a phone call. I'm furious that the terms of my account changed without my knowledge or consent, and now I've had money effectively stolen from my account and, worse still, extra fees tacked on. I've attached the last five statements, and they clearly indicate the lack of transactions, as well as the sudden, inexplicable change of my account from " Free '' to " Any Deposit ''  sometime between XX/XX/XXXX to XX/XX/XXXX. Without my consent or knowledge! The Service Charges begin in XXXX, XXXX. I realize it's not a large sum of money, but it's the principle that matters.
I have reached out to IC Sytems and after thirty days of elapsed time I wanted to file a complaint., The debt they are trying to collect on is erroneous for I have paid as agreed., and fully satisfied this debt., I sent by certified mail / return receipt attached Hereto requesting Full / Validation of this debt including but not limited to An explanation of what the alleged debt is for / A calculation of the balance, Including the complete payment history of this account so that I have proof that this amount is correct / Documentation that shows I agreed to pay this debt / The agreement that grants them the Authority to collect on this alleged debt / a copy of their license to do business in my state along with their license number.,
I opened an account with  XXXX   XXXX    XXXX   in  XX/XX/XXXX .  XXXX   XXXX    XXXX   charged-off and sold this account to  XXXX   XXXX  in  XX/XX/XXXX . The  XXXX   XXXX   XXXX  account is still reporting on my credit file with all credit reporting bureaus.  XXXX   XXXX    XXXX   is not reporting that once the account was sold to  XXXX   XXXX   XXXX , it was settled and paid off. Also,  XXXX   XXXX   XXXX  is not reporting how long this account will be reported to the credit bureaus. In otherwords, the portion of the accoount listing that says " On record until '' is missing for this  XXXX   XXXX    XXXX   account with  XXXX , Equifax, and  XXXX .   XXXX  I wrote  XXXX   XXXX   XXXX   in  XX/XX/XXXX   but have not received a response.
I have been charged so many late fees and not given many options to help with repayment. Now bc I signed up for IBR my student loan debt and accumulated all over again plus my balance increases on my credit report every month.
I started down the path of signing up for Lending Tree when I discovered that you needed my social security information, I was no longer interested. After that I received, and continue to receive unwelcome phone calls to my phone number, I requested my data be removed and I be put on the do not call list. I was then told I would be put on that list after 72 hours, but more than a month later I am still receiving phone calls.
BYL collection did not provide adequate verification for debt in question. No documents were provided showing contract or signature
I consolidated my loans and because I did that I was denied XXXX Loan Forgiveness because my loans originated in XXXX. However, I was seeking forgiveness for loans taken for my XXXX which started in XXXX.
This complaint is about my credit score. The  XXXX  companies are  XXXX  and Equifax. I have established and maintained outstanding credit for over 30 years. I 've paid off  XXXX  houses ; bought and paid for several vehicles, appliances. Credit card usage is only 7 %. Otherwise, no problems excep t one. I h ave and outstanding collection in the amount of {$250.00}. By the way the collection is in dispute. Currently my credit scores are  XXXX  and  XXXX  respectively. As you are well aware, these scores are rated fair at best. Also, any loan available to me are at a much elevated interest rate. I spoke to  one of t he companies today. I voiced my concerns. Number  one, the  person on the phone was unquilified and unable to help me get to the bottom of my complaint. Numbe r two, I  asked to speak to a supervisor but was refused. The refusal, I bilieve, was because the person on the other end of the phne was sitting in a call center in  XXXX . The crux of my complaint is agencies that collect and report all my financial activity assigns a score that is religiously used by lending institutions. The methodology they use is unregulated and subjective. It suppose to represent an individuals tendency to repay. my track record is stellar. Yet, with a minor deviation I am placed in a high risk pool. Somebody needs to fix this.
XXXX XXXX response to the CFPB is a blatant lie. Here is why : In XX/XX/XXXX my insurance company, XXXX, issued a new policy which required XXXX to issue a check to pay for the homeowner 's policy. The policy was incorrect and XXXX issued a second policy in XXXX to correct the incorrect policy. XXXX sent a second check to XXXX to account for the two policies. XXXX know this is what actually caused the erroneous escrow amount. I was never notified by XXXX about the two policy payments until I called. XXXX never worked with XXXX to reconcile the right account policy and I never received a letter from XXXX about my escrow account. The back dated letter they provided you is apparently a fraudulent letter because unless they can provide that the postal office delivered a letter they are lying. Additionally, I received a refund from XXXX for the two policies in XXXX without any notice or explanation for why I got {$4100.00} for my policy. I was told my XXXX XXXX escrow department that I did not need to repay the money because the amount is reflected in my mortgage payment. XXXX and my insurance company, XXXX, failed to inform me of these mistakes and did not involve me in the resolution. My credit history should not be impacted by their incompetence and their explanation is typical of XXXX. Its a lie! All they need to do reverse the inaccurate credit report. 

Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because XXXX XXXX, formerly XXXX, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. XXXX XXXX has changed its name but its fraudulent business practices have continued right where XXXX left off. I hope that you will contact the firm and address this on my behalf.
Portfolio Recovery has not fully addressed my issue of validating the debt they seek to collect. They have provided a total of three statements which do not display how the final balance was accrued. I paid this account in full via ACH payment with the original creditor, prior to closing the account due to billing disputes, unauthorized charges, and dissatisfaction with the company 's level of customer service. In the statement printed XX/XX/XXXX it displays a balance of XXXX. The final bill printed just 4 months later ( XX/XX/XXXX ) has a balance over 3x as much as the balance in XX/XX/XXXX but there are not any statements in between these dates. The company has failed to properly validate this account to collect the amount they are attempting to collect. 

Additionally, the company is violating the FDCPA by re-aging this account from the date they acquired it versus the date that it was originally opened and the date the original creditor reported as my last payment. XXXX reports this account was opened in XX/XX/XXXX and the last payment in XX/XX/XXXX, however ; the debt collector is reporting the account was opened in XX/XX/XXXX.
I have been working on cleaning up my credit reports with Equifax, XXXX and XXXX since XX/XX/XXXX, when I refinanced a VA Mortgage. At the time I had not checked my Credit Report in years. At the time, I found out that I had been a victim of Identity Theft. The XXXX Credit Bureaus had me shown to have XXXX collection accounts which I knew could not be correct. The Credit Bureaus treated me with disrespect and it took me two months through intensive research, and I eliminated it down to XXXX, which were duplication 's and all Collection Companies selling Out of Statute Debts.changing dates and changing account numbers. The Mortgage Company, XXXX, withheld settlement amounts from my proceeds of about {$5000.00} to pay Out of Statute debts, which was to take care of and remove but they did not. Identity Theft was proven and I have finally got them removed. 
I now only have XXXX negative accounts and official letters have been sent by Certified Mail to clear those up. 
I began shopping for an automobile which we needed and I began in XX/XX/XXXX browsing the internet of dealerships and I only signed a credit application at XXXX dealerships and then upon checking my Credit Reports I had multiple hard inquiry pulls. I requested a Fraud Alert to be put on my Equifax Credit Report and by law they were to report it to XXXX and XXXX. I got a letter from Equifax on XX/XX/XXXX, stating that it was in place and reported to XXXX and XXXX. Well both said it was not reported to them. 
Well Equifax continued to allow car dealers without my consent or signature or verbal authority to pull hard inquiries. XXXX and XXXX has as well. Of course I was turned down for primarily the number of hard inquiries. I eventually found someone who knew the impact of auto dealerships using the term ''shotgunning '' customers Credit Reports, thus now I have XXXX or XXXX hard inquires. I have called and filed online disputes at least three times to no avail. The Credit Bureaus pass you from agent to agent and then you are eventually cut off. They all treat you rudely or you get someone you ca n't understand. 
The Mortgage companies on the hard inquires are just ''phishing '' tactics. 

Please help me to get help to get my credit life back and avoid the worry and embarrassment. I do not anticipate going out for credit unless i have a need. But these tactics causes good people like me to do without or pay higher interest rates. 
i am going to prepare a separate list of the companies involved and ask that they be investigated, fined and whatever is necessary for them to follow the law and Credit Reporting Agencies to follow the rules of laws to protect consumers rights. 
I think 15 days should be reasonable and if not resolved I will start the process of suing these companies. Now lets see if any action is taken. If they can produce my signature of authorizing inquiries I will exclude them from the list, but I only signed XXXX applications assuring me they could get financing with XXXX, XXXX and XXXX even though I tol them they coud not and sure I was tuurned down Thank you. 
XXXX XXXX XX/XX/XXXX
well as you shouold know by now, i state that infact a wells fargo, and XXXX XXXX, did in fact plan and execute a and emezzled many thousands of dollars from me. then i have noticed wells fargo secuity, and also depository insurance isnt even for a person like me, i have proven over and over you wells fargo are deciving everyone. understand i will not let this rest until i have my money and justice is served.you your staff tell me just enough i know one day you will get caught. andth i would advise you do the ma