WillisBack/dataset-financial-user-claim huggingface dataset:
Good morning, I added my husband as an authorized user on  XXXX  of my credit cards, but it made both of our credit scores decrease, so I asked them to remove him as an authorized buyer. They did, but they still reported the card information on his credit report. I asked if they could please strike the information from his record, as it is my debt and both cards are in my name associated with my SS #. They said they could n't remove the record. This is affecting his  credit score,   and as we pay off bills the records of these  XXXX  cards remains an issue to his score being lower than we would like. I simply wanted to remove him and the record. I still have the cards and do n't even want to close the accounts, I just do n't want them on his report. Can you please help me?
In XXXX my loan was transferred from Roundpoint to XXXX Mortgage. I had not received a statement from XXXX Mortgage at the time my payment was due, but I received a statement from Roundpoint. I made a payment on XXXX XXXX to Roundpoint, which was cashed on XXXX XXXX XXXX, I revived a statement from XXXX Mortgage. I was told that Rounpoint would not cash my check since they no longer owned my loan. I sent another check to XXXX Mortgage on XXXX/XXXX/16 which was withdrawn on XXXX/XXXX/2016. 
I called Roundpoint and the agents were unable to find my payment. I was asked to forward a copy of the cashed check and they would investigate and send me a refund. After numerous calls and emails I have not received a refund or a response on the status of my request for the excess payment refund. I have confirmation emails that my emails were received.
in regards to what is going on i have a collection account with Kimball trey & ST John due to an unlawful detainer through the XXXX courts. they claim that i owe them XXXX when the documents that i retrieved from the XXXX county courts say that i owe XXXX in which i have contacted them twice and offered to pay them the XXXX and they refuse to except saying that the XXXX was attorneys fees.and the Memorandum clearly states that the attorneys fees our only XXXX i sent them a copy of the paper work and i told them they where giving false statements to the credit bureau. i did disput the claim and the credit bureau said do an investigation and this was the next step that i am taking .what ever help i can get it is very much appreciated .Thank you in advance Sincerliy
The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 150 days past due on XXXX since XX/XX/XXXX and 30, 60, 90 late is on Equifax. I cant seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Confirmed with company that they are garnishing wages without a court order Confirmed they have received payments for the full amount owed - XX/XX/2018. 

Calling me after hours of XXXX and before XXXX
I attempted to move the following services to my new apartment in XX/XX/XXXX : XXXX XXXX XXXX internet services The technician was unable to install the equipment because the building didn't allow services to be connected because it was a historical building. XXXX had not upgraded their high speed internet services to that area at the time so I was unable to get internet services either. I paid all services and returned all equipment. 

I have been through a confusing maze of different departments. My calls have been disconnected several times. Trying to defend myself against an erroneous charge has been frustrating and time consuming. I have called and held on over the course of 2 days and then many days in XXXX. 

I spoke with the following departments at XXXX : Accounts receivables Billing Billing Manager Combined billing Back end department Customer Loyalty Integrated services department I have been on hold for hours, in addition to being disconnected multiple times. I've spoken with the following people : XXXX, XXXX, XXXX, XXXX and other customer service reps. and managers. 

I have called numerous times to the following numbers. XXXX XXXX, XXXX, and XXXX. 

My credit score dropped after Franklin Collection Service reported to the credit reporting agencies. I called Franklin and they said that I have to go through XXXX. 

The impact that this collection it is having on my life is that I am trying to qualify for a mortgage and my score dropped dramatically when they began reporting this invalid debt with the credit reporting agencies XX/XX/XXXX. I am also losing work productivity because I have had to call during working hours to get assistance. I am currently on the phone now with the loyalty department and I fear that I have been transferred again without my complaint being resolved. I got transferred again to XXXX. I told her that I returned the equipment through one of their vendors. I believe it was XXXX in downtown XXXX CA. The XXXX  internal investigation numbers are XXXX and XXXX. Rep. on the phone is currently telling me that I was billed for the actual satellite dish and they did not receive the other equipment : receivers and modem. I told them I returned the receivers and modem and they should have been responsible for the dish. I asked them to take notes and rep. said she didn't have to take notes because she can see the bill. I told her that if there was an investigation you should be able to notes from each individual that I am speaking with. Not every department can see what she sees. She said that she will talk to her supervisor. I need immediate help because I am trying to qualify for a mortgage. I will lose my housing on XX/XX/XXXX and have to find housing soon as possible. They are now saying that they received the XXXX modem. They are still not able to take care of this debt. They are referring me to their internal collections team now. I am now being referred back to billing. The rep. XXXX told me to speak with a billing supervisor.
The following attached letter that I sent to Bank of America through certified mail explains the problem. BOA never responded to the letter attached herein. When I contacted them through the phone, they hung up on me twice and the third time told me they can't do anything to help me without further explanation.
I made a few purchases at sears and were told a soft credit check will be made to see if I 'm approved for a sears card. Now my credit score is affected due to what turned out to be a hard inquiry.
On XXXX XXXX, XXXX we took out a loan in the amount of XXXX and signed a promissory note promising to repay the loan. Also, on XXXX XXXX, XXXX we signed a Deed of Trust that was to secure the lenders interest in the property, however, the notary did not notarize the deed of trust effective XXXX XXXX, XXXX and instead the document purports to be notarized on XXXX XXXX, XXXX which invalidates the deed of trust. Bank of America filed a foreclosure action based on the invalid deed of trust and a recent sale was held on XXXX XXXX, XXXX. Bank of America did not have a secured interest in the property due to the invalid deed of trust which was improperly notarized. Bank of America and any other party claiming to be the holder of a secured interest in the property should look in the see the attached deed of trust. I tried attaching a complete copy of the deed of trust to this complaint, but the file is too large. I have place a copy of the first XXXX pages of the deed of trust and a copy of the last page of the deed of trust which is the acknowledgement page which shows the inconsistent dates.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX and XXXX XXXX ( Original Creditor : XXXX ) XXXX
I have sent Experian numerous requests to investigate, verify and remove accounts that do not belong to me from my credit report and they are not responding.
A new employer has been added but I am both XXXX and retired. XXXX XXXX has also reported fraudulent activity related to my card and reissued new card. )
XXXX XXXX is reporting a collection account to Equifax that is incorrect. 

Per my credit report Account was opened XXXX/XXXX/XXXX, Date of Last Payment was XXXX, Date of XXXX Delinquency was XXXX, Date of XXXX Delinquency first reported was XXXX. 
On XXXX/XXXX/XXXX I submitted a dispute to Equifax to investigate. In my dispute I stated I did not owe a balance to them, as well as the information that is being reported is incorrect. If in fact my last payment was XXXX, then it would be impossible for my XXXX Delinquency to be XXXX, which is 26 months after the alleged last payment was made. 
The results of my dispute to Equifax state they have verified the information is correct, however it is blatantly obvious it is not correct and I would hope this would be removed from my credit report immediately, as it has caused adverse consequences in preventing me from obtaining credit and caused an unjust financial burden.
I have supplied the dispute report number and will attach that document along with the additional documents. 
Background : I tried to sign up of the Social Security website for an on line account- upon doing so I was not able to so I called the SSA office number supplied by the website. I explained all of my information is correct etc. 
The SSA rep. explained that identity verification is drawn from Experian and I needed to contact them ; si I did. 
Upon doing so, the Experian rep. explained to me that she has no idea what information was supplied to the SSA office, but did I see anything? Yes I did an address AND that my complete and legal name is n't referenced anywhere!! 
I said so I dispute the reported address and my name and that 's it? NO she replied- I was told I HAD TO CONTACT the creditor and supply them with all my correct contact information!! I said the creditor HAS my correct information as I have mail from them and I have never lived at that address nor had I supplied on a credit application etc. Her reply once again was I needed to contact the creditor!! 
So the attached documents validate that the creditor reporting incorrect information has my REAL information as I have documents from them- see attached- I even supplied who and what business is actually at that address. 
Please see attached Experian Report for their answer to my dispute and documentation. By the way- XXXX XXXX and XXXX a report my current address correctly AND list it as such- Experian does not identify the current address. 
When looking at their Values statements posted on their website and comparing it to the baloney they list as how they collect data and apparently the information was deleted but its still on my report. 
In closing, I find it reprehensible that Experian provides an UNKNOWN combination of information reported by people other than the legal entity that the report is about to SSA, and frankly anyone, this debacle creates stress on me and delays important benefits health, financial and Identity Verification. If you read the Personal Information section and then read their website on their commitments to the integrity of their data and services. Its sounds GREAT! But in actuality it is poor at best and the US Government and Experian are playing the NOT OUR FAULT GAME and pointing fault at each other. 
The simple solution is full disclosure and transparency of the specific details about the information provided, shared and collected and put the ownership of validity on the credit reporters and account providers. not what is in the personal information section.
So my situation is a little more complicated than what is listed above. I 've tried calling the CFPB but she could n't help me. Apparently I had debts in collection in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX right as I was changing jobs, I asked for a statement. I changed jobs and had a hard time with familial things at the same time and that was the last time I heard from this Credit reporting agency. Since I work for the Veteran 's Administration and it was hacked right after I started in XX/XX/XXXX, my credit is monitored through XXXX. Today I got on to check activity and it showed activity from this credit reporting agency from XX/XX/XXXX and XX/XX/XXXX. I have not heard or seen ANY activity since XX/XX/XXXX from this agency. When I ran my credit report through XXXX, it shows XXXX accounts with Professional Credit Service that are CLOSED. When I called XXXX and asked why they had n't contacted me, all they said was we contacted you XX/XX/XXXX and that was the last we heard from you ( me ). I do n't understand how they can legally close accounts and reopen them and start posting to credit reporting agencies two years later with no notification. I 'm very broke and I can not afford any more debt right now. Please help. Please tell me if they can legally reopen accounts they have listed as closed and have n't notified the debtors ( me and my husband ) in TWO YEARS : (. THANK YOU.
I have a Costco Citi Bank Card. On XXXX XXXX I made a payment of {$260.00} Which Citi Bank Cashed. It never appeared on my account. After several calls I went to my local bank, XXXX and they sent a fax with the check tracking no. and the date the check was posted. They still would not credit my account
Bonneville Collections for a {$260.00} XXXX bill. Agreed to make XXXX payments XXXX in XXXX 2016 and the next in XXXX 2016. 
Made first payment of {$110.00} on XXXX/XXXX/16. 
Received a voicemail on XXXX/XXXX/2016 at XXXX. 
Returned phone call at XXXX on on XXXX/XXXX/16. 
Talked to a representive named XXXX. 
XXXX did not know why the collections company contacted me than demanded when will I be making a payment. 
I informed him that I just made my first payment a week ago. 
XXXX continues to ask me when will I make another payment. 
I let him know that this is harrassment to call and demand money when I just made a payment only a week ago.
Individual called me and would not tell me what the matter was about. I repeatedly asked for information and all I 've got in return I want your birth date and address. Very rude and the representative hung up on me while I was talking.
I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. 
By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX 2. AmeriCollect 3. XXXX XXXX
I have a student loan now serviced by Navient. 
Navient just sent me notice they have automatically decreased my payment amount by half -- this is without my consent. 
In effect, Navient is trying to double the length of my repayment AND charge me the related interest. 
Navient offers no way for me to manage the payment amount through their web site or through their automated phone system. I can LOWER my payment through these automated systems, but I can not restore my original, higher payment amount.
I recently submitted a complaint in regards to late payments reported on my credit after a XXXX modification. I have since received notification the late payments would be removed which we are thankful for. Now I check my credit and the BB & T mortgage which should be our current mortgage provider is now marked as closed and the late payments are still showing. The XXXX mortgage has been closed and the late payments removed-this is accurate. Then there is a XXXX XXXX Mortgage showing Open-Current, but also has the late payments. Can you assist me with fixing this. thank you
I recently filed a dispute with Experian because there is an istallment loan reported on my credit report for a vehicle from XXXX XXXX XXXX that I never recieved if you read the dates on the loan and call XXXX XXXX XXXX they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the Experian report number is XXXX please help me get this item removed from my credit report.
I have a credit card with Synchrony Bank, a PayPal Smart Connect card. 
( 1 ) On the PayPal Smart Connect card I have been making bi-weekly payments in the amount of {$75.00} ( {$150.00} per month ). My balance has been steadily decreasing and on XXXX XXXX, 2015 my balance was {$650.00}. I got a letter from Synchrony stating that they were lowering my credit limit from {$1100.00} to {$660.00}. I had made {$75.00} payments on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have used the card for only one {$50.00} purchase. On Tuesday, XXXX XXXX, I checked my balance and it was {$700.00}. I had been charged a late fee pushing me over my credit limit and then they charged me {$14.00} interest on a balance of {$670.00}. Keep in mind I 've paid {$300.00} toward this card since XXXX XXXX and I have used it for only XXXX {$50.00} purchase. 
When I called to complain on XXXX XXXX, 2015 the representative said " Congratulations, we were able to help you by moving your XXXX XXXX payment to XXXX and removing the late charge bringing your balance to {$670.00} ''. The late charge should never have been applied to begin with and my new balance is now still more than I owed on XXXX XXXX ( I 've made XXXX additional payments since XXXX XXXX and I have n't used the card in XXXX ). My new balance should be less than {$650.00} which was my balance at the beginning of XXXX. 
( 2 ) Since XXXX XXXX I have made {$300.00} in on time payments, have not used one time ( {$50.00} ), show no purchases for XXXX on my statement and yet my balance has gone up by {$50.00}. How can I pay {$300.00} toward a XXXX balance, make XXXX {$50.00} purchase in XXXX and end up with a {$700.00} balance on XXXX XXXX? In addition to fraudulently charging late fees and costing me money they have caused my credit score to go down by constantly lowering my credit limit even though I pay on time ( more than the minimum ) and have steadily been paying down the balance. 
( 3 ) Synchrony is robbing people by charging huge interest rates of 29.66 % and then playing around with people 's credit limits causing them to go over limit and incurring additional late fees and interest fees on the late fees plus causing a negative impact on credit scores. I have my payments set up to go automatically every two weeks and I check my balances on the first of every month. My balances have slowly but surely been decreasing and now all of a sudden I 'm over limit and have been charged a bunch of fees.
XXXX XXXX : XXXX XXXX XXXX XXXX approved a loan for $ XXXX@13.39 % for 180 months with a payment of {$960.00} a month. 

XXXX XXXX : Household Finance Corporation/HSBC purchased the loan At the time, my mom 's income was from XXXX and a small VA pension from my late father and totaled XXXX a month ( we have proof ). Can send copies of the checks if needed. 

We firmly believe this was an illegal and predatory loan. We are currently fighting foreclosure ( court date XXXX XXXX ). 

In XX/XX/XXXX, my wife and I, along with my mother, had the deed changed to a " Right of Survivorship '' deed. When she died, the house became ours. We have jumped through all their hoops only to be repeatedly lied to about getting the loan modified. Finally we were told that there would never be a modification b/c we are not on the loan.
Background : My business savings at Huntington is used for paying taxes and insurance only, therefore I put money in on a monthly basis, till they are due in XXXX. 
I reviewed that account on XX/XX/2016, only to realize it had been hacked on the Bank end, going back several months. I filed a fraud alert that day ; Huntington Bank returned most of the money within a couple weeks, however, refuses to return the remaining saying they only return back for 90 days. They are refusing to return {$840.00}. I 've called headquarters, and spoken to the Bank manager, but now I 'm hoping you can help. I feel I am being pressured to accept it or go through the extensive work to move everything to another institute. As a business owner, I have several tentacles wrapped into my XXXX accounts with Huntington. To move would be costly and time consuming. Can you help?
I recently acquired an American Express Platinum Card which as a benefit allows you to get an American Express Gold Card for free. I chose to get the Gold Card with my Platinum card because it receives a slightly better point structure for restaurants, as outlined in their terms of service ( attached ). American Express does not appear to be giving the appropriate rewards points structure on the Gold Card. They treat this card as a Platinum card despite it being physically a Gold Card and represented as a Gold Card in their benefits pages. I have contacted American Express and they have been unable to show where in their terms of service the Gold Card that you get as a benefit from the Platinum Card will earn points like a Platinum Card. Even the supervisors I 've talked to on their customer support line have admitted they can not find something that outlines their current practice and overrides what is written in their terms. 

Timeline : - Approximately XXXX Call and order American Express Platinum and Gold card. 
- XXXX Receive and Activate American Express Platinum card. 
- XXXX Receive and Activate American Express Gold Card. 
- XXXX Contact American Express Customer Service after noticing my Gold Card was not earning 2x points as described. 
- XXXX Mailed via Certified Mail Claim Notice ( Attached ) - XXXX Receive phone call from American Express, Talk briefly where they re-itterate their point. I do n't have time to discuss further and ask them to call back another time due to me being in a meeting. 
- XXXX American Express calls back at the same time. 
- XXXX I call American Express back. Discover they have closed my Claim and  reopen a new claim, which I ask them to escalate to corporate after getting the run around. 
- XXXX Talked with representative from American Express that describes internal documents that state that the Gold Card should earn points like a Platinum Card but not a Gold Card. He is unable to share this documents with me because they are internal only. He again escalates to corporate. 
- XXXX Requested Meditation with XXXX XXXX XXXX ( Attached )