WillisBack/dataset-financial-user-claim huggingface dataset:
Carter Young Inc has been reporting a debt of {$100.00} to the credit bureaus ( incorrectly listing XX/XX/XXXX are the opened date ), and I contacted them and requested notification and verification of the amount they are attempting to collect. I had not been previously notified of a debt in this amount. I received 2 emails ( XXXX XX/XX/XXXX, and XX/XX/XXXX ) from the person listed below : XXXX XXXX XXXX Carter-Young , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The emails do not have any documentation related to the amount they are reporting to the credit bureaus. There is no billing statement attached. I have not received anything else from them. 

On my credit reports, Carter-Young Inc. is reporting a. " Opened '' date of XX/XX/XXXX, but the first of 2 emails what I received from them ( which do not list any billing information ) is dated XX/XX/XXXX. How can they report that a debt has not been paid, when they never notified the person they are trying to collect from? They are damaging my credit score immensely.
I HAVE DISPUTE THIS ON XX/XX/XXXX AND I WAS INFORM BY A LETTER FROM XXXX XXXX XXXX THAT THE ERROR ON THERE PART HAS BEEN FIXED AND THE ITEM IS NOW SHOWING BACK UP ON MY XXXX AND XXXX CREDIT REPORT. IT NOW 11 MONTH LATER AND THE ITEM THAT I HAVE DISPUTE WHICH SHOULD OF NEVER BEEN TAKEN OFF OF MY CREDIT REPORT IS NOT SHOWING UP AT ALL. A LITTLE BACKGROUND ON THE DISPUTE I HAD BACK IN XX/XX/XXXX. ON MY XXXX CREDIT REPORT IT WAS SHOWING A WRONG DATE OF LAST DATE OF ACTIVITY ON THE ACCOUNT. I WENT AHEAD AND DISPUTE THIS WRONG DATE WITH EQUIFAX AND IN THE PROCESS OF DISPUTING THIS THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND A COUPLE OF DAYS LATER IT WAS DELETE OFF OF MY OTHER CREDIT REPORTS. I CALLED XXXX XXXX XXXX ABOUT THIS ERROR AND THEY SENT ME MY PAYMENT HISTORY ON THIS ACCOUNT WHICH SHOWED THE DATE OF LAST ACTIVITY WAS XX/XX/XXXX BUT ON MY XXXX CREDIT REPORT IT SHOWED A DATE OF XX/XX/XXXX. I SPOKE WITH SEVERAL REPRESENTIVE ON THE PHONE FROM XXXX XXXX XXXX REGARDING THIS ISSUE. THIS ACCOUNT WAS A CLOSED ACCOUNT AND IT WAS TRANSFER TO XXXX XXXX XXXX. AT THE TIME IT WAS TRANSFER THE ACCOUNT WAS CURRENT AND IT HAD NO LATE PAYMENTS AT THE TIME IT WAS TRANSFER. SECOND LIKE I SAID EARLIER IT WAS A CLOSED ACCOUNT IN GOOD STANDING AND ACCORDING TO THE CREDIT BUREAU IT STATES ANY ACCOUNT CLOSED AS PAY AS AGREE REMAIN ON ONE CREDIT REPORT FOR 10 YEARS. THIS ACCOUNT WAS CLOSED IN XX/XX/XXXX AND THIS ACCOUNT IS NOT DUE TO COME OFF UNTIL XX/XX/XXXX. WHEN THIS ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT IT LOWER MY CREDIT SCORE AND JUST I SAID EARLIER THE ACCOUNT WAS IN GOOD STANDING. ANY LATE PAAYMENTS ON THE ACCOUNT GET REMOVED AFTER 7 YEARS OF THE DATE IT BECOMES LATE IF THE ACCOUNT IS CURRENT. IF THE ACCOUNT WAS NEVER CURRENT AT THE TIME IT WAS CLOSED OR TRANSFER THEN IT WOULD FIT THE 7 YEARS DEQUENCY BUT IN THIS CASES IT DOESNT FIT THAT. ACCORDING TO XXXX XXXX XXXX IN THERE ANSWER THAT THEY GAVE ON XX/XX/XXXX THEY STATE AS FOLLOW AS A RESULT OF THIS DISPUTE THE PROCESSOR INCORRECTLY INDENTIFIED THIS ACCOUNT AS HAVING AGED BEYOND THE REQUIRED REPORTING PARAMETERS AND SUBSEQUENTLY DELETED THE TRADELINE. THE ERROR WAS DISCOVERED AND A MANUEL UPDATE WAS PROCESSED FOR HIS TRADELINE TO REAPPEAR ON HIS CREDIT REPORT, AS TO THIS DATE AND TO THE CURRENT DATE AND YEAR NOTHING HAS REAPPEAR ON MY EQUIFAX OR MY XXXX CREDIT REPORT. THE TRADELINE OF MY XXXX XXXX CREDIT REPORT WAS UPDATE CORRECTLY BUT I AM STILL WAITING FOR THE ITEM TO REAPPEAR ON MY EQUIFAX AND MY XXXX CREDIT REPORT. I ALSO RECEIVED A LETTER FROM THEM THAT STAE THE ITEM HAS BEEN REINSERTED BACK ON MY CREDIT REPORT BUT SADLY IT HAS NOT
The Honorable to FDIC Only! 

I write in worst extra file charging complaint against Bank of America that BOA called me today, we discussed then at last that 's not resolved problem. I told them it was not resolved problems, so they did not tell me about paid rent check with sad icons forward to U.S. XXXX and Speaker XXXX XXXX. In addition, Bank of America did not tell me about credit card issues information. I told them that I did not receive a refund today and checked my BOA on tablet, there is still nothing. 

Still that I do not happy with Bank of America since that I used Bank of America account. In addition, I do not allow female worker involved in this bank issues and me, so use a male accommodation works with me through these/those bank issues.
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that XXXX XXXX XXXX as not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
On XXXX XXXX, 2016 at XXXX, I purchased XXXX {$25.00} prepaid American Express gift cards from my local XXXX store for {$83.00}. ( {$25.00} + {$2.00} fee ) XXXX. 

None of the cards have ANY balance on them. They were never activated, even though I paid for them. I contacted the store, but these gift cards are unreturnable. I called American Express, but I always get transferred to people who do n't speak native English and it 's hard to understand, and they are unable to transfer me to anyone who speaks native English. 

Their customer support refuses to activate the gift cards, even though I paid for them. All XXXX cards are useless, and I have no recourse.
To whom this may concern, In follow up to my disputes concerning false information on my credit report, I have obtained my FTC Identity Theft report number which is : XXXX. The website is broken at the moment and will not generate a full PDF, however, Chex Systems , Inc. is legally required to investigate all disputes for fraud and the information within this PDF will assist in removing known to be false and previously disputed information.
Middle o f  XX/XX/XXXX  : re quested statements to show how payment are being applied and balance information. Was told " I do not have a payment due, no invoice will be sent ''. I could not register an online account to get what i needed.      XX/XX/XXXX  : I ( father co-signer ) asked  XXXX   XXXX  ( daughter ) " I need you to verify that the  2nd payment to Navient  is being applied to the principal, if not make it from here on out.   "  XXXX , make sure th e 2nd  payment is applied to the principle not the interest. Go on online and ... better still do a screen shot and send me the the last 5 months '' Dad, I 'll probably have to call them tomorrow. Its not recognizing my info to let me register.      XX/XX/XXXX  : Dad, I got a headache talking to those people a t Navient..Majority of  your payments go towards the principle. They said for your {$150.00} payment, {$120.00} went towards the principal Dad, I 'm still having problems logging in online, but I 'll send you the screenshots once I get in.     Frustrated we gave up on further communication its too stressful. I attempted to open account a year or so once I saw it on credit report. To no avail I have called numerous times requesting an monthly invoice on balances, interest, how much of the monthly payments went toward principle and interest.   Making  2 p ayments a month of {$150.00} the obligate is {$130.00} a month {$180.00} was request to be applied to principle, according to end of year statement.     Refinance home to payoff loan - called on  XX/XX/XXXX  requested payoff balance and interest, principle payment of all past payments. Then it was {$15000.00}. Was told it tak e 10 to  20 days for the statement to be mailed. Received on  XX/XX/XXXX  a list of payments and dates, no balance as of dates, no balances at all.   Called on  XX/XX/XXXX  to ask for payoff balance and payments interest principle for every month I have been making payments. I was also told the  1st payment of {$150.00}, {$50.00} is interest and the 2nd  payment that month of another {$150.00} {$25.00} is interest. As of this complaint have not received anything else.     They are make extremely difficult to make payments, to get accurate information on accounts, ignoring complaints, giving inaccurate information, incorrectly processing payme nts. Navient 's c ustomer support are extremely rude and hostile. Like debt collection agencies!    XXXX   XXXX  Co-signer Account #  XXXX   (  on recent correspondence  ) Loan  #  XXXX  Account #  XXXX   (  on  XXXX   XXXX  )
The credit card company decreased the credit limit on the account due the account falling past due. I made the payment a few days later to bring the account current and called the company to reinstate the credit limit. The collections representative told me to call back when the payment clears and customer service would be able to help me. I called back on XX/XX/18, and spoke to 5 different representatives who all said they could not do the reinststment as I was told, and if I wanted it increased they would do a credit inquiry. I just want the credit reinstated as i was told it could be.
Received a letter in mail written XXXX XXXX received Citizens XXXX XXXX stating the citizens bank is going to cancel my account as of XXXX XXXX. No reasoning found never bounced a check. Only reason on letter is because they can. Contacted via phone said go branch. I went to XXXX branches did n't know why. I put in XXXX too really disappointed them. After that XXXX said they could can cancel acounts No warnings. Still why she will try to reinstate account.
reported fraud on my account over a year ago, went through entire bill with chase associate and paid in full all my personal charges. Account was zeroed out and removed from my credit report several months later it reappeared on my credit. Disputed with credit companies and was told several charges where my responsibility, tried XXXX separate times to call, left message with chase to resolve matter. Charges were paid in full that were mine, was told by chase associate that i had XXXX liability for the fraudulent charges. Filed police report for identity theft, attached report. This is a new complaint not associated with complaint # XXXX submitted XXXX/XXXX/XXXX.
XXXX ( XX/XX/XXXX ), I paid {$140.00} to the XXXX with my XXXX XXXX XXXX card. It showed as " XXXX TX '' on my XXXX XXXX XXXX statement. 

XXXX ( approximately ) A debt collection agency called Credit Systems International called me and told me that I owed them that {$140.00}. 

XXXX ( XX/XX/XXXX ), I sent proof of payment to Credit Systems International ( CSII ) that I had made the payment. 

XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I owed them for that debt. 

XXXX ( XX/XX/XXXX ), I called the " XXXX XXXX XXXX XXXX '' and got confirmation from them that my balance was XXXX and I had paid them everything. I spoke with 'XXXX. ' At XXXX she claimed that I did owe ; but then when I asked, " if my payment was not for that cost, what other instance of service was there? '' she proceeded to look further in a XXXX database and confirmed that I had indeed paid the full amount She told me that they would contact CSII to inform them of the error. She gave me a payment confirmation number of XXXX. ' Also, she gave me the Payment Reference Number of XXXX. 

XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I still owed them for that payment. I personally informed them of my conversation with " XXXX XXXX XXXX XXXX. '' I asked CSII if they had pressed XXXX XXXX XXXX group to look in the second database, and CSII said they knew nothing of that. I told them that they needed to press further with " XXXX XXXX XXXX XXXX '' to get the right answer. 

XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I still owed them for that payment. They claimed that the " XXXX XXXX XXXX XXXX '' claimed that I still owed them. 

XXXX ( XX/XX/XXXX ) I learned that CSII had reported me to the credit agencies.
This complaint is in regards to Jacob Law Co. based in XXXX, MS . I spoke with this company on XX/XX/18 over the phone. This law firm is very unprofessional to speak with. I owed a debt to a different creditor for {$680.00} and it was sent and bought out by Jacob Law Co. They sent me one letter about the debt and then decided to sue me and take me to court over the matter. When I called to set up payment with them, they wanted to know all of my financial information. They asked how much I made, what my bills were, and wanted to get into depth about my whole life financially. This is absolutely uncalled for. There should be no reason a debt collector should know how much you pay for food and gas, ect a month! I was also belittled and asked so you just sit at home and do nothing with yourselfwhen I said I was a stay at home parent. They refused to take a payment until I asked to speak with someone else. The lady I spoke with took my payment but told me they would still be taking me to court. I asked to receive a record or invoice of the payments being made and was informed that they do not do that and I need to keep my own record of what is owed. So they will not send my anything in regards to what is left of the debt owed or any payments being made. How is this legal? Between the terrible customer service, bullying, and unethical practices, this company should NOT be in business!
Company is XXXX XXXX XXXX. allegedly opened XX/XX/2017 ( 8 mos ). they claim I owe {$2500.00}. I have been with XXXX for over 16 years now. I have gladly paid my XXXX bill every month. I am not in need of another phone. They are the 3rd collection company to contact me concerning this alleged debt that is owed. I do not owe this debt. They have not shown any verifiable proof concerning this debt and me. I have contacted the agencies to have this removed and they refused to have it removed. They keep saying it is verified. yet, they refuse to send me ANY information regarding the alleged debt. the credit bureaus are implicit in this act of keeping it on. the bureaus also refuse to help in this matter.
My complaint is that I have mailed information to Navient to see what could be done to have my student loan payments reduced but they continue to have me delinquent with payments I have tried for a year now to see what can be done when XXXX send information to me about doing a repay plan for XXXX dollars a month for a full year than my account would be forward to a loan servincing company paying the same amount each month they lied to me because when I received information from Navient my payments would be over XXXX dollars a month I could not afford that so I mailed a letter with a request to see what other options I have they never acknowledge my later but continued to place my account in a late status each month I want to pay on my account but I can not afford the amount that was stated the company is unwilling to help. i do n't understand why the companies are not willing to help consumers XXXX
In the years XXXX there were four cases in which I attempted to file for bankruptcy. The cases were all dismissed. I was having trouble with my husband and property we had together in which it financially draining to me. During that time we attempted to file, but never had the proper paperwork to get it started. It never went to court, a case was never filed. Nothing. Since 2015 I have attempted to write XXXX and have them investigate and have this deleted off my records. After reading the FCRA I found that they were in violation, because they were reporting something inaccurately. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they had no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they were obligated to delete this information from my credit report and send me an updated copy when this action is completed. 

I wrote them and made them aware of this information and they blatantly ignored my request. I even provided them documentation that the bankruptcies were dismissed. Again, nothing. They were kind enough to send me a new copy of my report that stated that they would be keeping the bankruptcies on my report. 

I am filing a complaint because they are going against my rights as a consumer.
This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow   XXXX   XXXX   compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
I am requesting to file suit against Equifax, I am not sure what these people 's problems are however, the only way this will all be resolved as if it goes in front of a judge. Equifax, you have taken my XXXX XXXX credit card off of my credit report. You will not update the XXXX XXXX XXXX and XXXX XXXX as being paid in full. You will not take the Mortgage off of my credit report. At this time I think it is just best that this goes in front of a XXXX judge to be resolve. I will be filing suit in the morning. 
XXXX XXXX XXXX
My Nordstrom card did n't process my payment. 
I got a payment return notice, the bank said there was not a transaction on the date given to me by Nordstrom.
Credit reports state no payment made for the month of XX/XX/XXXX. According to banks own records this is not accurate.
prepaid rebate card expired and Citi refuses to reissue card for the balance of the money on the card.
Several years ago I added my daughter, XXXX XXXX, to my accounts at Wells Fargo, thinking that as I get older it would be a good idea to make it easier for her to handle my affairs if I should become ill. 

In XX/XX/XXXX {$7400.00} was taken out of my account, XXXX without my, or my daughters, knowledge or consent. In addition, {$4300.00} was taken out of my account, XXXX, at the same time, again without the knowledge or consent of my daughter or myself. 

My daughter had filed for bankruptcy because of credit card debt. At that time she had a credit card with Wells Fargo, no other accounts with Wells Fargo. She contributed no funds to either of these accounts, and would not have permitted their use had she been asked. 

I have banked at the same place since I moved to XXXX in XXXX, XXXX XXXX which eventually became Wells Fargo. I feel that they should have made me aware of the pros and cons of having a joint owner on an account. 

This comes at a particularly bad time in my life, since my husband had a XXXX in XX/XX/XXXX. I have become his full time caregiver, and needless to say we have had many additional expenses. These funds, of almost {$12000.00}, represent most of my expendable savings. 

Though they claim this was a legal recovery " set-off '', I feel that it was unethical. I would appreciate your help in recovering these funds. 

Thank you, XXXX XXXX XXXX
I am a victim of major identity theft. I never made these inquiries recently. I have a edit security freeze and fraud alert on my credit report. Trans union aloud inquiries to go through that was not done by me. 6 of them was made recently. They need to come off. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Back in XX/XX/XXXX I got very ill ( i 'm a XXXX ) lost my job and my family was helping me pay my mortgage and bills. I got a modification offer letter from my bank offering to modify my current negative amortization loan for a stable loan with low monthly payment and for the current value of the property. I called XXXX XXXX XXXX my mortgagor and I was told that i would not qualify unless i 'm behind on payments for my mortgage. I had a perfect credit with XXXX scores which took me years to build and now I had to default in order to save my house. So per XXXX XXXX XXXX 's advise I did ... .I have been trying to modify my current existing neg am mortgage with my bank- XXXX XXXX XXXX for the past 4 years now. My current loan amount is over XXXX and my appraised value of the property is not even XXXX. Select portfolio services a note servicer for XXXX XXXX XXXX served me with a notice of default in XX/XX/XXXX. I applied for mediation in XXXX. I got approved for a reverse mortgage in the amount of XXXX and we sent in a pay off offer for XXXX for the current loan. SPS declined the pay off offer and countered us to send in a new pay off offer for the amount of XXXX which we did. Then they declined that offer as well, did a new appraisal and are demanding the full pay off for the current note which is XXXX. The property is over 50 % under value, I currently have a negative amortization loan which is going up every month. My house is a full rebuilt from fire has several structural defects and bank keeps asking me to resend documentations to them over and over. I 'm XXXX years old on ssi low income, my house is all I have left and keeping with with reverse mortgage would be only option for me. SPS now is asking me to send them a new pay off offer, new financial statement, new bank statements, new ssi award letter .... I have been faxing them a full set of documents as they request for the past 2 years now. It takes them 2-3 months to review and they get back to me stating that I need to send in a different pay off offer letter XXXX last XXXX I sent was for XXXX and they countered me to send them a pay off offer for XXXX AND a new set of bank statements, XXXX award letter and etc, because what they have in the file is now over 2 months old. I feel like this is a formality and nobody really cares or gives me a clear answer on what needs to be done to either modify or refinance this loan. I 'm very exhausted and now since they denied the last pay off offer through mediation which was for the exact amount that they requested, I now have an " important notice '' from the supreme court of NV stating that they will issue a certificate of foreclosure on or about XXXX XXXX ... PLEASE HELP ME! I DO N'T WANT TO GO HOMELESS AT MY AGE AND CONDITION!