WillisBack/dataset-financial-user-claim huggingface dataset:
There is a double listing of the same exact account on my credit report. There is two XXXX XXXX that are reported on my Experian credit Report. They are both for the same account. Only 1 should appear on my credit not two ..
On XX/XX/XXXX, in response to a prior complaint, I was given a credit in the amount of {$410.00}, for unauthorized charges on a credit card account. However, the charges appeared on my account in XX/XX/XXXX and in XX/XX/XXXX. The charges accrued interest throughout the time the account was open. The XX/XX/XXXX charge would have accrued approximately {$120.00} in interest, and the XX/XX/XXXX charge would have accrued {$120.00} in interest throughout the life of the account. 
Furthermore, in the response I received, the past due balance on the account is {$1600.00}, however, in the statements that I was furnished by the representative, the final balance on the account was {$1500.00}. 
When the final statement balance of {$1500.00} is credited the {$410.00} and the approximate interest of XXXX, the balance would be {$860.00}. 
Also, due to the amount in dispute, and the interest charged, had it been applied to the account, would have been enough to cover monthly payments for the final 9 months that the account was open ( and prevent the subsequent 9 late fees ), I would also dispute the {$300.00} in late fees added to the account beginning in XX/XX/XXXX. 
Which would leave a balance on the account of {$550.00}, that I do not dispute, and would be willing to repay immediately. But I require the corrections made to my credit report to show the fact that this account is paid as agreed. 
Currently, the balance reported to XXXX  is {$1600.00} as of XX/XX/XXXX which your own statements prove is inaccurate. The balance being reported to XXXX  is {$1200.00} as of XX/XX/XXXX.
Chase Bank is offering three separate offers for the " Freedom Unlimited '' card, claiming that they're all the same card. To me, this seems like a highly deceptive practice as it's based on a random factor of a user visiting the site. Refreshing the page will provide additional perks to a card - for the life of the card. Please see attached screenshots for an explanation of what I'm talking about.

It doesn't seem legal, fair, or ethical for chase to offer additional " card benefits '' if a user refreshed the page. It doesn't seem correct that this is based SOLELY on random chance, and yet they claim that it's the same card. A card with 0 % on 299+ is not the same as a card with 16.49-29.99 % interest after 15 months.

Chase has attempted to claim that it's a new customer bonus ; however, I don't feel that's the case when the 0 % interest for 6 months on purchases of {$290.00} ( for life ) is listed as a card benefit.
Equifax is ignoring my request to investigate and remove accounts from my credit report that do not belong to me.
I have never had a bank account with XXXX XXXX. They claim I owe {$250.00} but they can not tell me why I owe that money.The debt collectors can not tell me why they think I owe them money. They kept asking me for my XXXX XXXX account number, which since I never had an account, I can not give them. I called XXXX XXXX, gave them my last XXXX of my social security number, they did a check and decided I did not owe that money. They referred me to their check fraud claims department and they want my full social security number and that I fill out an affidavit. I have no obligation to do anything for them because they have not proven I have a debt or given any real explanation for any debt. I have written them letters explaining myself but they still threaten me with closing " my claim '' if I do n't fill out their form within 20 days. This is personally identifiable information which they have no right to. I would fine them for unethical behavior and not give them my driver 's license or social security number.
On  XXXX / XXXX / 16 , I had a   XXXX   XXXX   XXXX   XXXX   XXXX   and was billed {$210.00} from  XXXX   XXXX   XXXX   XXXX . I have paid {$20.00} per month to pay down this debt which should now be a balance of {$140.00}. I received a notice from  Transworld Systems Inc. Collection Agency on beha lf of  XXXX   XXXX   XXXX   XXXX  for {$190.00}. Not only is this the wrong amount, a collection agency can damage my credit.
As per previous CFPB case # XXXX, this bank is requiring that I reactivate a " dormant '' account by performing a transaction with it prior to my being able to just walk into a branch and withdraw my money. <P/>After that, I will also still have to call their XXXX # in order to actually close this account.
In XXXX 2017, I have signed up for a American Express XXXX cards with the promotion to award XXXX XXXX XXXX reward points after I reach the spending limit of {$3000.00} which I did. I have confirmed multiple times with American Express customer representatives regarding this welcome reward point during and after my application. All those American Express customer representatives have promised and confirmed with me on the recorded line that I should be awarded with those XXXX points after I reached the spending limits which I did. With such promise and conditions, I was convinced and applied for this card with {$95.00} annual fee. Unfortunately, most recently they told me that there was a fine print terms in the application contract that those reward points will not be given to me since I had the similar card before. First, I do n't remember I had similar card before. Second, I did not remember I saw such fine print terms in my application form. Therefore, I believe this is a very unethical and wrong business practice conducted by American Express. I am urging American Express honor that they have promised to customers and correct their wrong doing.
My mortgage on my personal residence is being serviced by Shellpoint Mortgage Servicing. They have incorrectly stated that I have an escrow account for my mortgage. Further, they have incorrectly reported to credit agencies that my XX/XX/XXXX payment was 30 days passed due. All of this has prevented me from getting my mortgage refinanced. I have called them on numerous occasions with regard to the escrow account. They have repeatedly told me that I do not have an escrow account and they have corrected the problem only to find that the next months statements continues to indicate that I have an escrow account. In addition, on Wednesday, XX/XX/XXXX and Thursday, XX/XX/XXXX, per their customer service, the only way to deal with this was to send an email to their loan servicing department with full documentation of their errors requesting that they immediately correct my account and remove the 30 day notice from my credit report. To date, they have done nothing.
I do not have a contract with this company. Therefore, they should not be reporting any inaccurate statements to the credit bureau ; According to section 609.
I signed up for an account and added automated payments. The payments I setup were double the minimum amount. I have only received XXXX emails from this company since signing up but the payment continued to come out of my account. last week I received a email stating I owned over {$2000.00}. After doing my research I found out my promo was up in XXXX with less than {$500.00} left to payout. f I had not received anything from them until now. I called to try to get this straighten out and the customer service agent we rude and dismissive however they did inform me that another {$1700.00} was added to my {$500.00} and there was no way to go back and pay of the amount even though I had not been receiving any statements to know it had run out. I researched further only to find that this company is know for these types of antics. I have tried to work this out with XXXX different reps from this company and all of them were either rude or did n't care to help. There has to be some law against what they are doing to customers.
Equifax is reporting incorrect information this not my account XXXX CASE NUMBER : XXXX XXXX XXXX XXXX have fail to validate this account and so have Equifax at my request.
charged an unbelievable interst rate that i wasnt aware of ... borrowed XXXX and i have to pay XXXX back ... when i thought i had to pay XXXX that was stated before i finalized the loan ... did know about the XXXX until the loan was finalized ... big picture loans apart of tribal loan company
I received a phone call from CPC ( Cental Portfolio Control ) in XXXX at my parents house about a loan I had with XXXX XXXX that I had trouble paying on from the following telephone number ( XXXX ) XXXX. I talk to a XXXX XXXX and gave him my bank information about trying to get the debt settled he also gave me a direct phone number to his office ( XXXX ). I have not received any written communication from XXXX and unfortunately my check returned due to insignificant funds twice. Today XXXX XXXX called me and I tried to get information and every time I mentioned about not getting any written communication from him he got rude. I also asked if I could break the debt into smaller payments he said no and I asked for a company address so I could send a money order he said no also. The agent asked if he can call my parents and asked if they can help with I told him no not to call my parents and only use my number he called me on as contact. The agent then proceded to get rude.
At the beginning of XX/XX/2018 I started to receive notifications that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX had place a bad debt on my credit report with all 3 bureaus. On XX/XX/2018 I sent XXXX a letter to validate this debt as prior to and up to now I have never received any type of correspondence from this company. I also mailed a copy of this letter to all 3 credit reporting agencies. I never received any response from XXXX however each bureau responded by saying the debt doesn't currently appear on my report when it actually does appear on each report.
I applied for the Walmart  Credit Card on    XXXX   XXXX   XXXX  .  In the fine print, it states that you have to make your purchase the day of your approval to take advantage of the 20 % off your first order promotion. It instructs you to click on link to apply discount which I did, when I went to check out, it did not apply the discount so I did not place order. I called the customer service line and they said I have to wait for email link. It is now   XXXX   XXXX   XXXX     and I did not receive my link. I did receive my card today,   XXXX   XXXX   XXXX    . Before placing an order I called customer service to inquire about promotion discount email and they said there should be a coupon with the new card, there was nothing. They instructed me to place the order and call back wi thin 3-5 business days to notify them of the order and they would note my account and I would see the credit to my account in 2 billing cycles. I place my order with Walmart. The transaction go  t denied. I continued to try to place the order with my new card and it was denied. I then called customer service again. They said they see the order amount on my account and that the order had gone through. I then called Walmart and told them what Walmart Credit Card   custome r service told me and they confirmed that the order did NOT go through and they see nothing on my account. I then called Walmart Credit Card customer service back again and explained what Walmart told me. I then remained on hold for a long time while they   confirmed what Walmart told me. The rep from Walmart Credit Card customer service to ld me that there was nothing they could do for me except to wait for the pending charge to leave my account. Now leaving me with no option to pay for my large order before my trip I have to leave for needing most of these items. This whole process seems very unethical and un-managed.
I am filing this on behalf of my mother, who is incapable of using the computer. My mother is the victim of identity theft. My mother has been sick and hospitalized over the past year and had been cared for by an aide with whom she became " close '' with. She trusted the aide implicitly and gave her full access to her apartment. My mother is frail, has much trouble in XXXX, and is XXXX. Besides her physical problems she has been hospitalized several times when her XXXX XXXX spiked due to anxiety It was a shock when my mother was informed by the Bank of America in XXXX, 2015 that her account was overdrawn and there was a list of suspicious checks that did not seem to be hers. When I came down to help, I identified even more checks that were appeared to be forged. All of these checks were made out to the aide 's name or to " Cash ''. 
While I had numerous conversations with bank employees and filed reports of these checks since XXXX, the bottom line is that the bank denied our claim. Their explanation was " timeliness and same wrong doer ''. According to the bank, the claim had to be first made within 60 days of the first suspicious check, which was in XXXX, 2015, as that would have prevented any of the other forged checks to follow. 
The problem for us is that my mother had no reason to suspect foul play and had not looked at her statements. She was in a vulnerable state and just worried about her health, so she was not focused on her bank statements. She was trusting that everything in the part of her life was fine. No one in the family suspected the aide and this was a shock to all of us. This is not uncommon for victims of exploitation, and it is why we depend on banking institutions to compare signatures.
My credit score has duplicate negative accounts from bonded collectors of Wisconsin and it makes the balance that I have increased dramatically impacting my credit score negatively and the that is older than six years old since the day it was first entered as a debt of mine from XXXX XXXX XXXX in XXXX Wisconsin bonded collectors of Wisconsin is using manipulative business practices by submitting duplicate accounts for the same account. The statue of limitations has expired on this debt pere Wisconsin state law of 6 years.
On XXXX, XXXX XXXX, 2015 at XXXX EDT, a debt collection agency called Enhanced Recovery Company ( ERC ), based out of XXXX XXXX Florida , XXXX tried to contact me with a robocall. The robocall did not address me by name and instead gave me a XXXX number to call and also gave me a XXXX-digit reference number. I did not have a pen handy and the information was given only XXXX before disconnecting. I checked my caller ID and it said " private number, '' so I had no one to call back and did nothing at the time. I received a XXXX robocall from ERC on XXXX, XXXX XXXX, 2015 at XXXX EDT, this time the XXXX appeared on my caller ID. I was told to call XXXX and given a XXXX-digit reference number. I called the number demanding to know why they 're calling me since I know I do n't owe anybody anything. They asked me if my name was the person they 're trying to collect a debt from. I said no and that I did n't know this person. They apologized and promised to remove my home land line number from their list so presumably they wo n't call me again.
There 's multiple issues above that affected my abilityto use my RushCard such as the inability to view mytransactions, perform card to card transfers/movemoney from my RushGoal to my main account and deduct moneyfrom an ATM. The primary reason for these issues was dueto a " glitch '' with the website while performing an updateand scheduled maintenance. Consequently, I wassubject to temporary remove my direct deposit and amreceiving paper checks. Due to this change, I 'm now being charge {$100.00} late fee from my rent.
I have been calling Seterus regarding a letter a received advising I was entitled to a {$5000.00} principal reduction in my current mortgage. Each time I have called about the status of the reduction, I am given a different answer. 
1. I was told I was calling to soon about the reduction, to wait until XX/XX/XXXX and follow up again. 
2. I spoke to a representative who had no idea what I was talking about, but was able to reference the notations in the account from my previous call, she could not give me an update. 
3. I spoke with another representative who advised me that I would have to wait another 6 years before the reduction would be applied, but after she read the letter that was issued to me she then advised me that she would submit a request to find out where the funds were, and when they would be applied. 
4. One week later I spoke to yet another representative who advised that there was no response to the previous request for an update and that she would submit another request. 
5. I called the next day to request a supervisor. It was at this point that I was told that the government had to release the funds and that was why it was n't applied and that I would just have to wait for it to be applied. I was also told that I was not the only customer calling in regards to this issue. I insisted that I speak with a supervisor, but was instead transferred to a Subject Matter Expert who then advised me that I could not have a single point of contact to follow up with. She also advised that there was only one person who can respond to the requests that were sent for an update on the status of my principal reduction. 
I do n't know why Seterus can not provide and update but I think that I have waited long enough. I would like some answers sooner rather than later.
I was given noticed that HELVEY & ASSOCIATES, INC. has taken my debt, and I was given 30 days to dispute it, but I have not been able to get in touch with them as their phone number is disconnected. The debt also is not valid as my insurance company was not notified of the claim and I was told that no one contacted them about my medical bills or hospital fees and they have requested to see the claims from the hospital.
I received a letter from ERC with regard to ( 1 ) collection for XXXX XXXX XXXX. I reached out to ERC asking what I needed to do to dispute this item. This account did not belong to me ; and the proper documentation was sent into XXXX. Its was removed from my credit file in XX/XX/2017. I am not clear as to why XXXX is still attempting collection activity. The previous collection agency was XXXX XXXX. What do I need to do to get this resolved. I do not want this on my credit report. I have attached the fraud form that was filled out ; police report and previous explanation to XXXX.
I have sent off certified letters to both the collection agency, Conserve and the Original Creditor XXXX XXXX XXXX College in an attempt to resolve this matter but have received no response. XXXX letter was sent to Conserve on XXXX XXXX, 2017 requesting a response within 30 days to resolve the matter. After I got no response I sent a letter to the original creditors XXXX XXXX College Business office on XXXX XXXX, 2017 again  asking if we could have the matter resolved in 30 days.
I cosigned for a XXXX XXXX for my company. The company no longer required vehicle so we did a voluntary repo. Balance of monies owned went on personal credit report XXXX days ago. We have since settled account with KIA motors but have evidenced no change in FICO score which went from XXXX to XXXX. Can you help?
Calls from Global Receivables Solutions , Inc. regarding an outstanding medical bill from XXXX XXXX in the amount of {$4800.00} from a hospital stay in XX/XX/XXXX. The calls started mid-XX/XX/XXXX. In early XX/XX/XXXX, I returned the telephone call stating that I could afford to pay {$25.00} per  month as I am only working at a temporary job through a temporary agency. I was asked about how much I paid for mortgage, car insurance, and automobile insurance. I answered. I also was asked how much I brought home per month in salary and I told the person. I said that I could send a money order monthly for {$25.00} as that was all that I could afford. I was then put on hold and anther person insisted that I pay the total amount but at a reduced rate. I then stated that I do not have that kind of money. I was asked to pay the hospital bill with my XXXX card as the person knew exactly how much I had left for charging on the card. I said no. The person then said well then pay with your XXXX XXXX XXXX and said how much money I had left that I could charge. I said no I will not put anything on my credit card. Then I was asked to borrow money from someone that I knew and I said no. I said to that I would be able to send a {$25.00} money order monthly. I was put on hold again. The next person asked me to purchase a prepaid debit card, pay at least {$100.00} on it and then send $ XXXX monthly. There is no way that I will remit monthly payments on this debt as it would be a scam to just send money via a prepaid XXXX card. That does not make any sense and would be very dangerous. I then sent a cease and desist letter via certified mail.
In 2008 I was XXXX XXXX XXXX, misinformed, and misguided by the corrupt student loan company, once known as XXXX XXXX, to apply for a student loan which would end up plaguing me for the rest of my life. It was easy, you go online, apply, " electronically sign for you and your co-signer, '' and that's it. You get approved for a loan that will surely default to a young girl who had NO idea what they were signing up for. How can an " electronic signature '' be legal for a financial decision of this magnitude? Biggest mistake of my life. I've tried at first to pay off my debt ( $ 20,000+ for one semester ), and have failed. I've exhausted my forbearance and deferment options. I can not afford my day-to-day living expenses and other bills, plus the almost $ XXXX Navient wants me to pay. I can't swing it, and I should've never EVER done business with XXXX XXXX, now known as Navient. I receive nearly 20 phone calls a week from them asking for money, it is borderline harassment and I simply do not have the money.
I purchased a XXXX XXXX from XXXX XXXX also known as XXXX XXXX XXXX on XX/XX/XXXX. I specifically instructed them to use XXXX because I already had a line of credit with XXXX. Instead of doing as I requested they send several different companies my credit reports and scores without my consent. Once again I specified XXXX only. I checked my hard inquiries and Transunion shows one hard inquiry against me that I do not recognize. It states : XXXX To Inquiry from XX/XX/XXXX Automotive This inquiry could stay on your report untilXX/XX/XXXX. 


See an error? 
Find out how to dispute a hard inquiry Institution Information XX/XX/XXXX To XXXX, TN XXXX ( XXXX ) XXXX " I have tried contacting this number and it says the number has been disconnected or is no longer in service. '' I want to know why XXXX XXXX sent inquiries to companies without my permission because I stated XX/XX/XXXX only. This one inquiry isn't even legit because I can't contact them and by law I am lawfully given the right to contact or have an address and phone number. Thank you and I hope you can help me. These hard inquiries stay on my credit reports for up to 2 years, which drops my credit score with each hard inquiry. 

XXXX Inquiry from XX/XX/XXXX- Finance This inquiry could stay on your report untilXX/XX/XXXX. 


See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX   XXXX, TX XXXX ( XXXX ) XXXX " This is XXXX  XXXX, which I would never do any business with them ever. '' I did call them and was told XXXX XXXX could have this removed from my credit reports by sending them a letter stating it was by mistake. Also no information is given on this report or inquiry. 

XXXX XXXX, XXXX Inquiry from XX/XX/XXXX- Automobile Dealers, New This inquiry could stay on your report until XX/XX/XXXX. 

See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. This dealer goes by the name : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX!!! I also received a letter today XX/XX/XXXX from XX/XX/XXXX XXXX XXXX   with a hard inquiry from XXXX ! I did not give consent or did not want financing from XXXX  XXXX XXXX, specified XXXX only. That should have been the only financial institution used to finance the XXXX.