WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed a 30 day late pay on XXXX XXXX. It is being reported XXXX XXXX I was in chapter XXXX bankruptcy and should be protected as this account was included in bankruptcy. The account has been paid off. I would like the late pay removed as al payments were submitted in my bankruptcy plan.
I was never contacted by collection agency, XXXX XXXX XXXX XXXX, or original creditor, XXXX XXXX, about this false debt - {$8000.00}. Original creditor had received a judgment against me on XX/XX/XXXX for {$640.00}. I attempted to get the judgment set aside 3 years later when I discovered original creditor had been paid in full by my housing agency but was sent to mediator instead. In XXXX, I had submitted an application for a new apartment and was shocked when declined due to an outstanding rental debt. 

The original creditor had my current address due to the court case I filed in XXXX. The collection agency would have validated my address as well. I was NEVER contacted by either party about this $ XXXX debt because I do not owe it. XXXX XXXX submitted this false debt simply as a way to retaliate against me because I disputed the original judgment. In meditation I let slip that my husband and I were trying to buy a house. XXXX XXXX was forced to report the original judgment as satisfied, thus removing it from my credit file in XX/XX/XXXX. 

XXXX XXXX was never awarded a judgment against for {$8000.00}. Arizona Courts will only award landlords actual delinquent rent amounts + damages + attorney/filing fees. Arizona legal statues prohibit landlords from being awarded " future rent for rentals that may be rented again. '' When I disputed this debt as " not owed, '' " never notified, '' & " illegal '' the credit reporting agencies claimed this debt fell within FCRA criteria and has maintained it on my credit reports thus preventing me being able to rent a place to live, resulting in my homelessness for 1.6 years!
I received an alert from my credit monitoring service informing me that I have two accounts in collections on my credit report from two different payday loan agencies,. XXXX XXXX and CHECK INTO CASH. I contacted each of them and they both stated that these accounts were opened in 2013. Until know, I have not heard from them via mail, phone nor email. I have not opened either of these accounts but I do recall closing a bank account after discovering fraud after a move and losing a checkbook. I have filed a police report in my city and reported this incident to my bank,, I don't like the fact that I have not heard from these agencies to dispute but it appears on my credit report at a critical time as I am attempting to buy a house and it seemingly came out of nowhere. My credit score has dropped almost 70 points due to this.
I rented an apartment and kept getting sick along with my daughter, and my granddaughter. I asked the management about mold and they swore up and down it was n't any mold and they stated no, the doctor told me I had to get it removed or I had to move. I had to send a sample to the lab and it came back XXXX kinds of mold including XXXX, I told management and they denied it up and down even though I almost died. I moved and had to secure another place to live. I shared this information with the Management and they said I had to pay them {$3400.00} I did not owe them anything I as well as my family almost died and they forwarded all of my personal non-public information to CARTER YOUNG, INC. and they are reporting on all XXXX of my Credit reports this is IDENTITY THEFT and I did not give them permission to contact me pursuant to 15USC1692c and they feel as if I owe them when they owe me for almost killing me moving my family into a mold infested place to live. 

This is definitely 16CFR603.2 and these CORPORATIONS are going to have to stop this bad behavior, if more CONSUMERS say something this non-sense will stop. I do not feel as if I have to die to stay in somewhere there is mold and I have the proof they moved me into a bad moldy situation and should talk with people about moving into that bad place but I have been cool and calm. This is just bad business, no matter who is doing this I am a woman and do not have to be subjected to this.
I am a client of American Express. I just found I got a negative membership rewards balance. And I was told that it is because I cancelled my personal platinum card, which ends with XXXX, on XXXX XXXX 2016. 
Here is my case. I cancelled my personal platinum card because I got another Platinum card from XXXX XXXX. Basically, I called the number at the back of my personal platinum card and talked to XXXX of your representative. After a conversation, he said that I could cancel my account. I particularly asked him questions " Is it okay I cancel my personal platinum card in such a short time? '' " Will Amex think me misuse my card and claw back my points earned with that platinum card? '' He told me that it is okay for me to cancel my first personal platinum card since I got the platinum card from XXXX XXXX, which has the exactly same benefits. What 's more, he told me that American Express would not claw back my points earned by that card since the points have been posted to my accounts and I met the spending requirements. 

I told him that the only reason I would like to cancel my personal platinum card is because I have the platinum card from XXXX XXXX recommended by a staff in XXXX XXXX when I opened my brokerage account there. If at that time the representative told me that cancelling the personal platinum card might make American Express think me misuse the card, I would never do that. I really do n't mean to misuse the card, or just to win the sign-up bonus intentionally. I love the products and services provided by American Express ; I use the different Amex cards in my Everyday Spending ; I never missed a payment in the past. Honestly, I would like to develop a nice relationship with American Express. 

I tried many times to explain my situation to Amex. However, I just found that American Express are really rude. They told me that it is not their responsibility that I were given the wrong information by the customer representative. And it 's all my fault to cancel the account. This is unbelievable. I was mislead by Amex, now they are taking advantage of that. I know, I am just an individual customer of American Express, and American Express is big financial company. But I will defend my own right and will not let Amex bully me.
Prior to declaring Bankruptcy-Chapter XXXX, which was filed XXXX/XXXX/2011 and discharged in XXXX of 2011, ( Docket # XXXX ) our account with XXXX XXXX was kept current every month, paid on time each month and never paid late.. 
Our recent credit report shows that Transunion has reported this account was past due for 75 days. 
We request that the past due column be changed to show a XXXX ... ..never paid late.
My complaint is about Experian and their refusal to report our mortgage as being open and paid. I have sent mortgage statements, and documents from the lender ( XXXX ) that this account has never been closed, and is being reported as such. From what Experian has explained to me is that in XXXX the account was discharged due to a bankruptcy, and the tradeline was never inserted back by XXXX. XXXX informs us that they have no control of when a tradeline is removed. On XX/XX/XXXX, XXXX submitted Automated Universal Data form ( AUD ) number XXXX to Experian to reinsert XXXX tradeline. I spoke with Experian on XX/XX/XXXX, and they informed me that Experian will never be able to report our mortgage, because the time frame had passed for XXXX to have the tradeline reinserted. Our mortgage was never included in our bankruptcy, and it should have never been removed from Experians credit report. The other credit bureaus are reporting our mortgage as open. So, in conclusion, its been ten years since Experian stopped reporting our mortgage, and some lenders use Experian to determine eligibility for credit. I want to know if it is legal for Experian to refuse to report our mortgage. I have been back and forth with Experian and XXXX to resolve this matter. Thank you for your assistance.
XXXX ,   XXXX   XXXX  , &   XXXX   XXXX   XXXX  , all nasty companies were warned and advised to cease and desist all collection efforts pertaining to this account that they have begin reporting on my credit file. I am a victim of identity theft, my mother   XXXX   XXXX   and a number of other individuals whom she and my step father sold my personal information to opened this account in my name. This company has no signatures from myself signing this lease, and also has been told even if the docuets were true, the amount according to what they stated were incorrect, and the company or creditor that this company is collecting for committed identity theft on numerous occasions, even after I notified them that I was a victim of identity theft. This company tried to create a false billing statement in my name and attempted to file it in court. Attached is my Federal Affidavit of identity theft and this company is named as well. I requested this company discontinue trying to collect on this debt as it is a result of identity theft. They have none of my signatures verifying or validating a legal contract, and the amount is also extremely questionable. I was even told to sue when this company refused to stop trying to commit identity theft in my name. I have taken this information to the police and also the FBI at which time the company ceased for a while and nothing was heard from them. They then reappeared by placing the account in a collection agency at which time, I notifyed that company of the identity theft and that my mother committed it against me. I sent them the same federal affidavits that you have on file, and they sent a generic lease agreement with electronic signatures as opposed to my actual signature. So they conducted the identity theft via computer. My mother should have never placed my name on this lease. It is   XXXX   XXXX    's debt and not mine.
I have a student loan that is serviced by Navient. I do n't make enough money to be able to afford to pay off my loans even with income based repayment plans as I just had a daughter. My loans have ballooned out of control because I was advised to place my loans in forbearance every time I called and asked what my options are. This loan will be over {$90000.00} this year. And I am paying less than the interest now. I asked about lowering my interest rate and was told that is not an option. Navient, like any other company today is looking to exploit its customers as much as it can. Whats worse is I did n't have a choice in this matter.
I recently received a letter from M & T Bank informing me that I was required to contact them and update my information. This letter also stated that if I did not take this action, my accounts could be closed. I contacted M & T and asked why I received this letter and I was informed that it was required by Section 326 of the Patriot Act. I have since made repeated requests to M & T asking for an explanation as to why I received this letter as I am not a new customer, nor have I opened any new accounts. On at least seven occasions M & T has refused to provide me with an explanation or any detailed information as to this requirement. M & T employees have threated to close any and all accounts that I am associated with if I do not comply, but has ignored every question I have asked. I have also repeatedly requested contact information from them so that I may speak to someone to resolve this issue and they have refused to provide me this information as well.
Since XX/XX/XXXX I have filed the same complaint XXXX times with TransUnion. In all occasions, the issue is that the " High Balance '' shown appears higher than the " Credit Limit '' shown below it. In each or the complaints, the " Credit Limit '' was shown lower than what it was at the time of the " High Balance '' making it appear as though I over-extended my credit, which was NOT the case. In each incident, the credit limit was later lowered, but never lower than the current high balance. In XX/XX/XXXX, when I reported this issue for the XXXX time, I enclosed the same pages I will be including in this complaint. In this XXXX complaint, the report states that XXXX of the issues were resolved, and XXXX were confirmed. There was no resolution to the first XXXX, and the other XXXX are both from XXXX Bank, and they have NO RECORD OF EITHER OF THESE ACCOUNTS, OR MY S.S. NUMBER. I have no idea how their information is confirmed, particularly with the evidence I enclosed. 
Also ... I noticed on this report a collection for XXXX just re-appeared. This was disputed at every level, and it was confirmed that this collection is not valid. This has JUST appeared this month on my report, between the XXXX and XXXX repeated complaint on the above mentioned issues. Please include this new ( yet, reoccurring ) issue in my complaint. 
Over the past 14 months, I was denied credit multiple times citing this exact reason for their decision. Over the course of that time, this has caused numerous financial issues, the total damages of which continue to grow. 
I believe the pages I am uploading with this complaint are overwhelmingly clear. In EACH occasion, they are the statements from the time of the " High Balance '', and ALL of them are showing a HIGHER " Credit Limit '' than what is reported. This method of reporting the current " Credit Limit '' below the " High Balance '' when the high balance ( In all my cases at least ) occurred when there was a higher credit limit available. 
The enclosed file, " re re redispute '' describes the Exhibits enclosed, and was sent to TransUnion in the XXXX complaint on these issues. 
PLEASE DO NOT INCLUDE EXHIBITS IN THE PUBLICATION OF THIS COMPLAINT.
The checking account for XXXX is reporting as a charge off collection account. This account was paid in full prior to be charged off. I am requesting that this account be removed from our credit report. 


XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed Overview You've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance $ 371 Monthly payment {$0.00} Opened XX/XX/XXXX ( 5 yrs, 8 mos )  Term 0 months Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Deposit Related Responsibility Joint Remarks Payment after charge off/collection Paid profit and loss Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
I have had a traditional XXXX account for over 40 years. There is no balance on this account. 
I started to receive a bill for a XXXX XXXX XXXX XXXX account for approximately XXXX in XX/XX/2016. 
I have never opened this account or charged anything on it. I do not have this credit card. When I called XXXX they had no record of the account and I was advised to call XXXX XXXX who also said they have no such account. 
No one was able to give me any explanation nor could they cancel something they had no record of. However I have continued to be billed for this. 
Any help would be greatly appreciated.
This complaint crosses over several issues : Communication tactics AND Threatening to take an illegal action : ( 1 ) this company threatened to take legal action without properly notifying us that such an action was in motion. They state that they would then " mail a copy '' of a judgment without notification that suit has been entered into court. They expressly state their intention to deny us our due process rights while providing misleading statements in the introduction that they are actually advising us of our rights pursuant to the Fair Debt Collection Practices Act. 
( 2 ) they have made frequent and repeated calls Improper contact and sharing of information ( 1 ) they have left personal information on an answering machine that was audible to a room of individuals, including our children, disclosing the possibility that we may have debt. The message states that they are about to divulge sensitive information so if the individuals listening are not " they provide our names here '' to hang up and then they proceed to divulge that personal information with no guarantee that the party on the other end is actually " they provide our names here, '' and in fact, in several instances they were not. We have numerous recordings and sworn evidence of this. 
Further, XXXX XXXX XXXX XXXX XXXX XXXX is a Trust and has not established an individual of ownership nor any other named individual of ownership, we have not acknowledged this debt as legitimate. 
This company has caused irreparable harm to our children, family and several friends having disclosed this sensitive information via recorded calls, leaving personally identifiable information and our names
I opened a savings account at Chase Bank on XXXX/XXXX/15 with a {$1000.00} cash deposit. This money was the security deposit for a rental property. When I asked Chase Bank why I could n't see this account on my online banking I was told they could n't find my savings account. The banker I spoke with made some phone calls and he was told that the account was closed because there was no activity on the account. However, there was no letter mailed to me advising me of this issue.
I was contacted by fedloan and told they could help me get monthly payments of XXXX dollars paying back my student loans then once i signed up i was told they could not help unless i payed them XXXX dollars and i did not act fast then the Gov could start garnishment of my wages.I startd paying XXXX dollars first payment then i went online and noticed they did nothing after reciving the first payment then i called to cancel thier services and was tol i could not do so if i did i was threaten with collectons atthat point and emails and phone calls
I call then send back requested information but they still refuse to correct and/or remove incorrect info therefore when I apply for credit, I 'm denied because the fraud alert placed due to identity thief requires that they call me before issuing any type of credit in my name
I was behind on my home mortgage, so to keep the house from being foreclosed on and stop the late payments I did a modification of my loan. By doing this i was assured that the late pays would stop. They did n't stop showing rolling lates on the loan even after the modification was done. I 've tried disputing it with the company and the credit bureaus but have had no success. I make my payments on time and it still shows late pays every month.
*The XXXX XXXX XXXX Account of XX/XX/XXXX was paid in full ... by XX/XX/XXXX and charged off ... and do not owe the company anymore ... 
*The XXXX XXXX XXXX of {$390.00} was charged off and do not owe the company anymore ... 
*The XXXX XXXX Credit Card was Charged of in XX/XX/XXXX- {$840.00} and do not owe the company anymore ... 
*The XXXX XXXX XXXX Credit Card is current and in good standing *The XXXX XXXX Account of {$8200.00} was charged off and I do not owe the company anymore ... 
The Company of XXXX XXXX of {$550.00} was never owed anything on any agreement and I contest owing this recovery company anything ...
Without my permission Bank of America has placed a Hard Pull to my credit bureau and all attempts to have it removed have proven unsuccessful with much run around and no satisfaction. I have spoken with numerous individuals who have assured me the problem will be taken care and over the course of XXXX days it has not. I have only gotten promised callbacks from individuals who have not called me back and the inquiry has not been removed even though every individual I have spoken with have assured me it would within 2 days. I requested a credit limit increase and was told it would be a soft pull. It resulted in a hard pull, even though I explained that if it was a hard pull I did not wish to proceed. I was later told that the call was listened to and that the person had assured me it would be a soft pull and that information had been incorrect.
I have a Consolidated Stafford loan with XXXX XXXX, that was recently switched to Navient as the servicer. The loan has been on an IBR payment plan for several years, but on XX/XX/XXXX I called Navient to inquire about lower monthly payments. I was told that switching to a  graduated payment plan would reduce my monthly payment to around {$40.00}, so I agreed to switch. I was then told in order to switch payment plans they have to apply a 1 month forbearance, so I agreed. 

A few days later I received several emailed letters. One email showed a higher payment amount than I was originally told and another email stated that a reduced interest rate incentive will be removed from my account. On XX/XX/XXXX, I called Navient to inquire on these letters and was told that the once they processed the new payment plan that the payment went up because my loan term was shorter than previously thought. I was also told that the reduce interest rate incentive was removed because of the forbearance, but would be reinstated once the forbearance ended and I was placed on the new payment plan. 

After 2 payments on the new payment plan I noticed that the interest rate was still not reduced, so on XX/XX/XXXX I called Navient a third time. This time I was told that the interest rate reduction incentive can not be reinstated because it was a 'voluntary forbearance ' not an 'administrative forbearance '. 

Again, I never wanted the forbearance, but was told I had to do the forbearance in order to switch payment plans, I was given no other option other than the forbearance, and I was never told I would lose the interest rate reduction. Had I been told any of that, or that the actual payment would be twice as much, I would not have switched the payment plan.
On X/X/17 at XXXX XXXX I went online to make a payment to pay my XXXX XXXX XXXX balance to a {$0.00} balance. I then reviewed my account and saw I was hit with a {$27.00} late fee And a {$1.00} Finance charge. When I contacted comenity I talk to 3 separate account managers all of them who said they will not remove my late fee because I paid the account 32 minutes after there cut off time. There is no where on the website that states their is a cut off time.