WillisBack/dataset-financial-user-claim huggingface dataset:
This was an account with XXXX that I closed. I returned the phones to a private XXXX store and apparently the owner sold or did not return them. He is no longer in business. XXXX was notified and sent my account to collection knowing this owner did this to many customers. They sent my account to collection and I disputed it. It was closed and removed from my credit report. Two months later the collection was sold to another creditor for the same amount of money. I have disputed that months ago but no reply and its still sitting on my credit report. Im an identity theft victim and these accounts keep showing up.
Fell behind on loan due to not being able to work. Branch manager has continuously come to my home, call harassing references and people that I didnt list on loan application
I NEED CHASE TO DO A CREDIT REVIEW ON ALL MY ACCOUNTS IN DATA BASE ON XXXX CREDIT REPORTING HISSTORIES AND VERIFICATION OF PRPOER CREDIT FINANCIAL PROFILE.
On XXXX I noticed through my online credit monitoring service that there were credit inquiries on my credit report that I did not apply for. Once I noticed this, I immediately sent Equifax a letter to let them know that these were fraudulent inquiries and that I did not apply for these item AT ALL. I asked them to send me proof of theses applications such as my signature on an application or a recorded conversation. They did absolutely nothing and still are reporting this fraudulent information. Also Equifax has 2 fraudulent addresses that are not my address reporting on my profile. When I called them they said they received the letters and the addresses would be removed in 48 hours. The fraudulent addresses are still reporting and the inquiries are still there.
While reviewing my EQUIFAX credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on XXXX/XXXX/2015. I did not authorize anyone employed by XXXX to make such erroneous inquiry. 
XXXX XXXX misdeeds constitute fraud and a serious breach of my Privacy Act and FCRA Section 1861 b ( c ). 
XXXX were not legally authorized to unilaterally review my credit without my written consent, thus, an act against the law that has continued to cause me economic hardship and prevents me from securing a meaningful employment.
Debt was previously paid until item was returned. Contract was with XXXX not Vancehuffman.
We have AT & T Universal card for many years. My husband set up automatic withdraw account with them. We wanted to make sure the automatic withdraw account really worked. I called XXXX XXXX XXXX customer service and asked " Do we have an automatic withdraw account? ". The representative said " No, you do not have the automatic withdraw account. ". He send me the application form for automatic withdraw account. We mailed out a check {$1500.00} to them to pay for the bill. XXXX XXXX XXXX cleared the check onXX/XX/XXXX XXXX. They withdrawed {$1500.00} from my bank on XXXX XXXX. I called XXXX XXXX XXXX. They said I need to talked to my bank, XXXX XXXX. I talked to XXXX XXXX. They gave back {$1500.00} on XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX presented my check {$1500.00} to XXXX XXXX again and cashed out the money. I was so mad and called them. Finally they returned the money.
I have an adjustable Rate Mortgage with Nationstar Mortgage , Inc. ( Loan # XXXX ) that will be changing in XX/XX/2017. I received a letter from Nationstar Mortgage, INC. telling me that my new rate would be 4.125 percent. Per our contract, 4 ( C ). Before each Change Date, the Note Holder will calculate my new interest rate by adding TWO & ONE-QUARTER percentage points ( 2.25 ) to the Current index. the Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point ( 0.125 ). Subject to the limits stated in section 4 ( D ) below, this rounded amount will be my new interest rate until the next Change Date. I was told by three different customer reps that the Current Index that Nationstar used was 1.80. If my math is correct than 2.25 + 1.80 = 4.05. If 4.05 - 4.00 = .05 and 4.125 - 4.05 = .075, than 4.00 percent would have to be my new interest rate. I received a call from XXXX in there Research Department. I have called her back twice and emailed her and have received no response. This is a simple equation that a small child could figure out and they are just stalling. I 've never had a problem with them before when it came to a change.
This account was paid in full. Since I questioned this account with the debt collector they have a totally new account number. I asked for the information to be sent to me multiple times and still have not received in information from the collection agency. I 've called in multiple times and their associates are rude and very obnoxious, when trying to get information to clear up the discrepancy.
I got a reverse mortgage in 2005 to pay off a previous reverse mortgage and get funds to help my granddaughter who had XXXX. 
I previously also had a property tax deferral through my state of Oregon. After the reverse mortgage was completed I reapplied to defer future property taxes. I pay my own property insurance. Something went wrong and the property deferral was delayed for two years and because of this the reverse mortgage company paid the delinquent taxes. 
After many calls from the reverse mortgage company ( Financial Freedom ) we agreed on a repayment plan of {$10.00} per month. That was deducted from my bank account for a number of years. The reverse mortgage company then claimed it was taking too long to pay off the balance and demanded more money per month. We agreed on {$25.00} per month. Then after a few more years they started calling demanding the full amount or they would foreclose on the house. I have received many threatening calls from the reverse mortgage company and possibly a collection agency company. 
We agreed on the {$25.00} per month so I am holding them to this agreement, but I am concerned they will start foreclosure on my home. 
I am low income, living on social security. I am XXXX years old. I need help to resolve this situation and stop the threatening calls which are stressing me out and causing XXXX problems. I have XXXX XXXX XXXX and do n't need additional stress. 
I would appreciate any help. 
thank you, XXXX XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
XXXX XXXX They will start calling first thing at XXXX then the calls are repeated every hour or numerous times each hour. I would say it started on XX/2017. I have tried to talk to the company and let them know when I would send a payment in but the phone calls wont stop even though I have spoken to a representive, Im just like I just talked to someone from the company why are they still calling non stop. I know Im over due with my account/ Bill but now the calls are becoming harassing/ annoying in where I cant sleep.
Regarding the XXXX XXXX accounts below, these were originally sent to my credit reports incorrectly. Last year after working with them for several months, we finally got the bills straightened out. Attached are letters showing our settlement and then their letters confirming they received payoff and would be removing the accounts from my credit reports. 
Last month, I noticed they were re-assigned new account numbers and resubmitted to the credit bureaus. I believe this is illegal. I believe it 's also illegal to put these back on my credit reports without notifying me in writing at least XXXX days in advance - which they did not do. I 've tried unsuccessfully to work with XXXX but they evidently have their records in a complete mess. 
Please have them re-remove these from my credit reports so that I do n't have to take this to court. 
I 'm also going to try attaching a copy of my XXXX 2015 credit report to prove I had clean credit before XXXX did this.
In 2008 We signed with XXXX XXXX in Michigan to have the installation of the windows in our house. Afterward, we had a lot of problems and kept calling their contractor back. In the meantime we received bills from GE Retail Bank, who said they were partners with XXXX ( we never signed with them, the contract we have is solely with XXXX ). Finally, XXXX refused to come out and fix any more problems we stopped payment. GE sold the debt and now we were sued for the debt that we never signed on. We were never aware that we were signing with GE in the first place. They claim we signed with them when we signed with XXXX. Now we have to deal with XXXX, a debt buyer in court over this.
I asked that my debt be deleted from my credit report in exchange for me paying the balance in full. I paid the balance and the account still shows up as open on my credit report.
I applied for a Target Credit Card in XXXX of XXXX. I charged the account that day since the cashier did my application and gave me a temporary bar code. The amount was about {$3.00} and some change. They stated I would receive my card in the mail but I did not receive it and I was so confused about everything that I thought I had paid cash back in XXXX, so I thought I decided not to put a balance on it until I received my card. Months went by and I decided to call to see where my card was, because you normally do n't get any bills when you do n't have a balance on a credit card. Then they sent me to the collections department of Target and said I owed about {$7.00} and some change. I told them I did not receive my card or any bills at my address. They later said that I gave them an incorrect address and everything was being forwarded back to them. They also said I gave them the wrong address, when I remember giving the cashier at Target my driver 's license that has my address. I paid the amount I owed, and they took off any charges on their end and said for me to call within 24 hours, so I did. Then later I told them that this is affecting my credit, and it should not affect it because it was their error. They stated they would send me some sort of form to submit to the credit bureau, I did n't receive that either. So now I ask for them to fix this because I did not receive anything from them and I should n't be punished by having a horrible credit score, just because a retail store can not get an address correct.
The accounts listed below are showing inaccurate information. The late and missed payments were removed by the companies when i submitted my goodwill letter and enrolled in auto pay. I disputed with Experian and the innacuracy was updated, which lets me know that the companies XXXX, and XXXX Bank were not contacted by Experian at all..Tis information is reported falsely and innacurately by the Experian, which is hurting my credit score. 
XXXX Credit Card XX/XX/2014 Open - Current 1 Missed Payment {$33.00} 8 % of Credit Limit* XXXX Credit Card XX/XX/2014 Closed 3 Missed Payments {$0.00} XXXX Credit Card XX/XX/2014 Open - Current 4 Missed Payments {$10.00} 2 % of Credit Limit* XXXX Credit Card XX/XX/2014 Open - Current 5 Missed Payments {$4.00} 2 % of Credit Limit*
XXXX XXXX XXXX  WAS A THIRD PARTY DEBT COLLECTOR TO LOAN NUMBER XXXX. THEY DID NOT PROVIDE ME WITH A WRITTEN NOTICE BY CERTIFIED MAIL SAYING I HAVE THE RIGHT UNDER THE FDCPA TO DISPUTE THE DEBT WITHIN THIRTY DAYS.
Bank of America Business Credit Card {$170.00} charge by XXXX ( this was a recurring charge ), I reported and disputed within a few days charge appeared on my credit card. ( XX/XX/XXXX ). I called XXXX, they said, they can not remove the charge even if it was a few day after it appeared on the account. And I called the bank placed a dispute cancelled the credit card. The bank did not notify anything afterwards, i thought this was resolved. 

Recently, Bank of America sent me a letter indicating they withdrawed {$360.00} ( XX/XX/XXXX ) as a setoff from my personal account and reported to credit reporting agencies. 

I called the bank ; The bank claims dispute was denied and they sent me a letter ( I have never received ) I do not have a mail problem, I have stayed in this house for 5 years. 

I could have paid this amount if I have known the dispute was denied. They said they can not do anything at this point.
My husband owed a debt to a certain bank which unfortunately we had to stop making payments on because of his financial situation. He is & has been on a fixed income since 2005 ( XXXX, XXXX funding ). He was served a summons of garnishment from a creditor in the county we live in. My complaint, in the state of GA certain funds are exempt from garnishment, XXXX funds just to name a few. Our bank protected his XXXX funds however they did not protect his pension or workers comp deposits from being garnished and this is the only income provided to him to manage, take care of our entire households survival. What I want to know can we sue our bank for not protecting these funds? Thank you.
Pioneer Credit Recovery , Inc. contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls usually total more than 10 per day.
Contacted by Navient ( XX/XX/XXXX ) about student loan I apparently co-signed for my wife ( at the time ). Requested proof, they said they've been sending it to me, but I've not seen any. I told them to quit calling. 

Contacted by XXXX XXXX XXXX in ( XX/XX/XXXX ) about same loan. Requested proof. They sent me the application / contract that was supposedly faxed from the school to Sallie Mae ( Loan was from XX/XX/XXXX ). 

I have a problem because they sent the cover letter ( # pages whited out ), application ( signed XX/XX/XXXX ), and contract ( Copyright XX/XX/XXXX ). Further, while the application has the fax headers, the contract does not. It's clearly been pulled from some other file to be included with this one. I can't imagine this to have been done unintentionally, as the contract would have been included with the fax. Someone thought enough about it to alter the cover letter, hiding the # of pages in the original document. I find it troubling, that a company currently involved in a lawsuit regarding unethical ( at best ) behavior would conduct themselves in such a manner. 

I would like to point out that I'm named as the co-borrower on this loan, and the primary ( XXXX XXXXa ) passed away in XX/XX/XXXX.
I received an email on XX/XX/XXXX and been told my account would be closed on XX/XX/XXXX if I don't use my card before XX/XX/XXXX. So I did plan to use this card. However I received another email on XX/XX/XXXX and been told this account had been closed out. Therefore this two emails contradict each other. I tired calling their customer service while the representative couldn't find the reason why this account was closed out.
For the past few years/months I have been in dispute with Experian and XXXX regarding inaccurate info reporting in my credit file. Experian stated there is nothing they can do, basically they have to honor what fingerhut is reporting even if I provide documentation from XXXX showing that the reporting is incorrect. I have been in contact with fingerhut to no avail. Over 30-50 calls but no correction. This account was paid XXXX XXXX and yet they report it charged off in XXXX XXXX. Just this weekend they up dated this same account after I called and complained again. This time they Reaged the debt stating that it charged off in XXXX XXXX. XXXX is well aware this is not factual as the account was paid in full in XXXX. They even gave documentation to me saying this and have also verbalized this. I am seeking help as I feel that I am being penalized for just asking for XXXX to do the right thing and report factual info. The credit bureau is not helping and basically advised me they are the middle person and since XXXX is governed by law to provide factual info, they have to believe their reporting over mine even if their reporting is erroneous. 

Thank you for your time
Chase failed to protect me as a consumer and gave incorrect information in how it relates to filing a claim for a purchase on my account. I made a purchase which I was told by the company had not gone thru due to a verification issue on the bank 's end. They indicated that the initial charge was just temporary and would be released in a few days and that my order was cancelled. After a few days I called back and was told that it needed a few more days for fall off the system and that it was based on the issuing bank for specific time frame. When i contacted my bank I was told by chase that I was required to wait until the merchant issued a credit for a cancelled order which was according to XXXX guidelines. I explained that information is only correct when the cancellation is requested by the customer, when the merchant cancels the order the consumer is NOT required to wait any period of time to file a claim and all that of information can be found in XXXX guidelines. Regardless of this Chase was adamant that I had to wait, per XXXX guidelines, I asked them to send me this documentation that said this which they refused to do. I was forced to wait weeks beyond what I already waited to have the claim filed. When the claim was filed I asked if I needed to provide any documentation or any affidavit/statement of facts to which they said they would contact me if any additional info was required. Many weeks later i checked my account to find that it was over drawn the amount that was credited back for the order I never got and when I called chase they said that they sent me two letters once stipulating that the merchant disputed the claim saying that they showed it was delivered and also that they sent a letter saying the credit would be reversed. I have the letter that they sent about the reversal but nothing about the merchant response. The letter about the reversal came AFTER they had already overdrawn my account despite notice is required to be given at least 10 business days prior to debit account, thus another violation. I asked the rep to check my signature that is on file and easily compared to the one that i supposedly signed and she indicated that they did n't match. This is utter nonsense. Chase failed to comply with the guidelines set in place for handling claims and I am not out almost {$3500.00} because of it. I want this rectified immediately and my funds returned otherwise a legal suit will follow.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Was harassed into closing my American Express Card. Several weeks before XXXX switched from American Express to XXXX, Amex sent me a letter stating that I had two weeks to contact them or my account would be closed. Upon contacting them they requested a XXXX form. I filled out and returned said form as they requested and they put a hold on my card. Two weeks later on XXXX XXXX they called again and said that the form I sent them was illegible and they needed me to fill out the info again and resend it. I asked what the point was in me doing that if it took two weeks to process with the change over to XXXX was less than that. I once again got hit with the if you do n't comply we 'll cancel the card. At this point I was infuriated, I said if that 's what we need to do so be it. They then cancelled my card thus forfeiting my Rewards and smooth transition over to XXXX. I feel without the harassment and badgering by their staff I would 've never cancelled the card but the constant threat of getting my card cancelled when I tried my best to initially comply was too much for me to endear.
Morning, My name is   XXXX   XXXX  . I have been trying to fix my credit now for the pass few months. I have been getting repeated phone calls from this company I have asked them to verify this Debt if not deleted this from my Credit Report instead all I got back was a letter indicating my name and debt amount is correct. Which is not : ( Bellow is the BBB Complaint I had file :   XX/XX/2017   Receive Business Response Thank you for the notification of the compliant filed by  XXXX  (  XXXX  )  XXXX . CKS Financial appreciates the opportunity to respond to her concerns. Please note that upon notice of the compliant, a member of our Compliance team conducted an investigation into the allegations, including a review of all telephone and written communication associated with the account. A summary of that investigation follows : On   XXXX    XXXX , 2017, we received a call from   XXXX   XXXX   after she was informed by the original creditor, that her account had been sold to us. During that conversation, she requested a reduced payment arrangement, as well as a deletion of the account from her credit report. The agent confirmed CKS Financial 's purchase of the account and offered a reduced payment arrangement. The agent also informed   XXXX   XXXX   that if the account was being reported by CKS Financial to a credit reporting agency that it would be reported accurately to reflect the account status.
 XXXX 
While CKS has attempted to resolve the account with   XXXX   XXXX   and offered several reduced payment arrangements,   XXXX   XXXX   XXXX   insistence that we delete the account from her credit report has prevented us from reaching a resolution of the account.
 XXXX 
In response to   XXXX   XXXX   XXXX    allegation of receiving daily telephone calls from our office. A review of the telephone activity does not support that allegation.
 XXXX 
In response to   XXXX   XXXX   XXXX   request for account validation, our records do not reflect receipt of said correspondence. We have however validated the account and have provided it to her along with this response at the address provided by her in this complaint.
    
We invite   XXXX   XXXX   to contact a member of our Compliance team if she has any questions or would like to provide additional information. A member of our Compliance team is available Monday through Friday from  XXXX  to   XXXX   Eastern Standard time and can be reached directly at  XXXX  or  XXXX 
         XX/XX/2017  Notify Business of Dispute  XX/XX/2017  Send Acknowledgement to Consumer  XX/XX/2017  Case Reviewed by BBB  XX/XX/2017   Case Received by BBB
Well today, I believe there was an overcharge of over a XXXX, dollars, at a XXXX XXXX in XXXX XXXX, thought I was purchasing a XXXX XXXX, prepaid cards valued at XXXX, was told an email receipt, would show up, there was only XXXX  worth. Some individual walking by acted like something was thrown on ground, in XXXX XXXX, there also seems to be people walking by me like they have ether on them coming up to me, around 5 individual s in XXXX XXXX   thought it was funny.
1. Besides few disputed medical claim items, we had paid the {$320.00} at XXXX ( receive the bill statement at XXXX ) to the XXXX XXXX XXXX which had withdrew the money at XXXX. 
2. The XXXX XXXX XXXX had rushed the bill to the collection agency within two weeks. Earlier XXXX, we had called the XXXX XXXX XXXX to understand the bill statement, but its agent said the bill had been send to collection agency without bothering answer any question.