WillisBack/dataset-financial-user-claim huggingface dataset:
Experian continues to report an inaccurate account status on a closed XXXX XXXX revolving account ( XXXX ). As of XXXX/XXXX/XXXX this debt was cancelled by XXXX and reported to the IRS as income. The account status that Experian is reporting does not reflect that the account is closed and paid in full without a remaining balance. I have been disputing this inaccurate information since XXXX/XXXX/XXXX and Experian has failed to update with the correct information or delete the account since it 's closed and outdated.
This complaint regards Chase 's adamant refusal to halt the recurring debits scam -- -- XXXX -- -- XXXX XXXX 2015 {$39.00}, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX XXXX ( XXXX ) concerted efforts -- -- XXXX ( XXXX ) in person -- -- beginning Monday, XXXX XXXX 2015, in order to halt XXXX recurring debits -- -- especially, to close that specific Chase Freedom card account -- -- NOTHING. Each occasion, I was informed by a Chase account manager that the recurring debits were halted, that Chase Bank would investigate the scam & that Chase would resolve this dispute. Lies.Subsequent to the closing of all Chase accounts & direct deposits, correspondence was received from Chase executive offices, back dated XXXX XXXX 2015 & XXXX XXXX 2015 -- -- addressed to my original address, one year ago.XX/XX/XXXX 2015 My requests to communicate with XXXX president brought XXXX XXXX -- -- XXXX ( XXXX ) telephone calls, regarding Chase debits beginning XXXX XXXX 2015 & no XXXX premium member card, prerequisite for dental services, despite several requests. 
XXXX XXXX 2015 ( a XXXX XXXX XXXX presented me with a bill for estimated dental services -- -- {$3200.00}. ( b ) {$850.00} for XXXX XXXX c XXXX a document for referral to a specialist ( d ) XXXX subsequent Employee 's XXXX XXXX XXXX XXXX XXXX, document. ( e ) The XXXX discounted list covered by premium membership was offhandedly tossed into the nearest wastebasket, paralyzing me with awe! 
XXXX XXXX 2015 I walked around the corner to Chase Bank in order to halt XXXX recurring debits -- -- scam.
I went into a dealership and asked that they only submit my deal with XXXX. I got home and noticed they had submitted ti a lot of banks I did not authorize. I have contacted the dealership and they refuse to respond.
This company is reporting inaccurate late payments. Each credit bureaus has different months being reported which is inaccurate and needs to be removed as the FCRA law requires. 

XXXX XXXX XXXX is showing that XX/XX/2017 is OK but XXXX is reporting that is was late. However these late payments are an error. 

USAA SAVINGS BANK Is reporting 60 day late payments for 4 consecutive months in 2017 which is inaccurate. How is that possible? Please remove these inaccurate payments. 

XXXX Has yet to provide any signed documents that this account belongs to me. No itemized bill is acceptable, but an actual signature is required by law. 



XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
I have a debt from Hunter Warfield ( bad reviews ) - I need to see proof of this debt - their telephone # XXXX - address XXXX XXXX XXXX XXXX - XXXX FL XXXX
I have contacted Experian 4 times trying to resolve the issues with my personal information and addresses that do NOT belong to me. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information.
On XX/XX/XXXX, I XXXX XXXX XXXX tried to get a loan, was told that ERC, a collections company had placed a new negative item on my credit, Fraud and Identity Theft. I attempted to contact ERC twice, I was informed by ERC that this was XXXX ( phone company ) and it was a bill. They just placed this on my credit, the bill was from XX/XX/XXXX, 4 years ago. I have never been with XXXX. ERC had my personal information that is public knowledge. However, they could not provide any proof or evidence that I ever was with XXXX. This is fraud and identity theft. They stole my information and then attempted to get money from me illegally. There is no evidence, because I never had anything to do with XXXX. When I spoke with ERC twice, I talked with there supervisor, she twice transferred the call and the call went dead. ERC there phone number is : XXXX. The amount in question : XXXX. Please assist. Thank you. This negative information 4 years ago, that is fraud is hurting me.
I had a home equity line of credit. The line was closed and the the amount of the money borrowed from the line was created into a new loan when the house the line was associated with was sold. I have made the agreed upon monthly payments since the terms of the new loan was established. This loan is reflected as being " charged off '' and " delinquent '' on my credit report.
They are calling every  30  minutes throughout the day, every day. I have requested they stop. One woman got nasty with me. I do not know who they are. I have no debts and I do not owe them anything. I have told them they have wrong number. They continue to call!
I graduated from XXXX XXXX XXXX in 2010 and was very overwhelmed with the cost of my tuition I have to pay back. I tried asking for more explanation about the details of the loan and program I was going in for but never gotten the help from anyone. 
At first, I just wanted to visit XXXX XXXX since it is closer to my home and schedule can be very flexible, that day I felt like I was pressured to stay and enroll right away, they asked me to fill out loan applications and different paper form. 

Now that I am planning on continuing with my education I was told that all my credits from XXXX XXXX XXXX can not be transferred so now I am stuck, I know for sure I will never go back there because of the money they charge me. None of these information was given to me when I first applied. 

**We were un aware that they will have a loan under my name and under my step dad 's name until all this migration from XXXX to Navient happened not too long ago.
they did not send me a notice of right to dispute, no information to verify debt no name of what they where trying to collect on did not say my full name only asked for first name, did not give me a speech of how it was an attempt to collect a debt ... ... after i told cease calling me cause could n't even address who they were fully asking for told me they will take the cease as a acknowledgement of the debt and a refusal to pay and hung up on me when never told me amount or original account number or what type of account they were trying to collect on.
Chase Bank sold my account to a collection agency XX/XX/XXXX. The account was paid in full TO THE COLLECTION AGENCY XX/XX/XXXX, as evidenced by the attached documents. CHASE BANK IS STILL REPORTING THAT ACCOUNT ON MY CREDIT REPORT AFTER 3 YEARS. To my understanding this is a direct violation of the Fair Credit Reporting Act. Then they have the audacity to send me a letter stating that they have confirmed that the account is not being reported. XXXX? 
I want to be compensated by Chase Bank for the higher interest rate this incompetence has caused me. I recently tried to buy a house and was denied because this account is STILL reporting as a charge off. Apparently the collection agency and CHASE BANK do no communicate. 
The collection agency, XXXX XXXX XXXX is NOT reporting this account any longer. Why in the world is CHASE BANK other than incompetence?
Upon checking my credit report I noticed a collection agency named First Fed Credit Control based out of Ohio reporting that I owe them {$340.00} for medical debt. I contacted this company and requested that they validate the debt by sending me a signed contract between myself and them showing that I owe this debt. After 30 days I filed a complaint with the XXXX XXXX XXXX advising of the above asking for a signed contract between first fed credit control and myself. They responded via the XXXX  website stating that they do not have a contract with me. So Im trying to figure out why they are attempting to collect money from me that I do not owe them and have been reporting this to my credit reports. I want them to cease all collection attempts and remove from my credit reports.
ABOUT 10 YEARS AGO, I contacted a camp ground membership and asked how to end my membership ; I followed their instructions and was told that my membership was terminated. I did n't expect any problems and accepted their word for it. 

About 5 years later, this collection company started calling me numerous times a day, every day. I told them I do not owe this debt. They have persisted for a number of years. 

Recently, NEARLY 10 YEARS LATER ( AFTER STATUE OF LIMITATIONS HAVE EXPIRED ) they had it put on my credit report ( in 2015 ). 

It is not a legitimate debt! 
The statute of limitations expired years ago! 
And it was illegal for them to attach it to my credit!
XXXX XXXX XXXX reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XX/XX/XXXX, so my XX/XX/XXXX payment should of processed through my XXXX XXXX account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to XXXX ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought XXXX was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her  what the name of the person who will be calling and she said she does not know. I asked her whattime the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation  and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CALL from May-to no avail. Now I have a late payment mark ( the only one I have on my all my reports ) due to XXXX being unethical and allowing their representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees.
I applied for a savings account on XX/XX/18 through a {$400.00} promotion listed publicly on their website. The same promo terms can be found here : XXXX XXXX   XXXX? XXXX &   XXXX I deposited {$15000.00} as the terms stated, and left that deposited for 60 days. I waited over 90 days for the bonus to post, as noted in the terms. It has been well over 5 months since signing up for the promotion. 

I recently contacted their help center for the above issue and after being shuffled around to three different reps, I had one who helped me open a case. 

That case number is : XXXX. 

I was told that I could expect a call and a letter by today, and I have heard nothing from Citi. It appears that Citi does not honor the terms of promotions.
BANK of AMERICA was sent via certified mail a notice of dispute on XX/XX/2016, a second notice to validate and verify the allege debt was sent XX/XX/2016, and a third notice to validate and verify an allege debt was sent XX/XX/XXXX. Pursuant FDCPA cease desist all collection activities pending validation and verification of alleged debt owed. Instead of Bank of America abiding and complying with federal regulations they have taken legal actions by contracting with XXXX, XXXX, and XXXX and have conspired fraud upon i and the courts by filing forged documents, counterfeit security instruments, and demanding payment for an alleged debt i do not owe. Bank of America does not have legal standing and they have admitted to me the allege debt was never recorded.
On XX/XX/2018, I sent {$200.00} through my banks ( Wells Fargo ) mobile application XXXX for some sporting event tickets. The person I was buying the tickets from sent me his name and email and phone number. After transferring the money through XXXX. The person never sent me the tickets and stop answering my calls or emails. I went to Wells Fargo and they informed there was nothing they could do for me since I authorized it. They did tell me it went to someone's account at XXXX  XXXX XXXX. I went to XXXX XXXX  XXXX and they told me there's nothing they could do to help file a complaint because they have to protect there customers and since I'm not a customer of theirs. There's not much I could do but file a police report, which I did, and to call back XXXX XXXX XXXX customer support and file a claim.I did what i was told, I filed a police report i called XXXX XXXX XXXX back and they were still not willing to file any type of claim or help me at all. They told me call XXXX and see if they could help me. XXXX was of no help either. There customer support is automated. You can't even speak to anyone in person.
My current and perminant address is : XXXX XXXX XXXX XXXX XXXX Nevada XXXX Please correct
Rush card have cause my bills to be turned off it 's showing I have no money when I do they wo n't talk to u put u on hold for hours XXXX.
Vehicle loan with B of A was paid off in XXXX 2013, but there were late charges that had accrued on the loan. These late charges were disputed with B of A, but it took several months to actually get a response. Eventually the late charges were paid off. However, Bank of America continues to report the ENTIRE loan as a charge off and has not updated the account as paid. I want the account either reported as paid in full or, at the least, a notation put on the account that only the late charges were a charge off, but that the auto loan itself was paid as agreed.
This debt should n't have been sent to a collection company in the first place because I submitted my health insurance card when I received treatment in the XXXX ( XXXX ). I have been call ingredients this XXXX billing department and talking to supervisors who all acknowledge it was their error and they 're working on taking it off collection. Yet nothing has been done. This has continued to affect my credit score resulting in high interest rates on my mortgage and car loan.
My identity have been stolen I 'm  XXXX , My   XXXX   opened and applied for things in my name and ruined my credit, She recieves my mail cause i can   XXXX   XXXX   XXXX   XXXX   XXXX    .This is making me   XXXX   and I really need this fixed I recently saw more inquirys on my credit and I need all these removed my nurse is currently being investigated please help me fix this
This is 100 % identity theft and this collection company does not care. The consumer reporting agencies have stopped putting this collection account on my credit file. Each time they remove it, Portfolio Recovery Associates put it back on my credit report. They are trying to collect a debt from XXXX XXXX that is not owed and they should not be reporting it to my credit file. I have a police report! 
This situation emerged since my personal data is cherished to thieves, and Portfolio Recovery associates are in the business of buying collection accounts that arent owed. They retaliated against me for filing a complaint with C.F.P.B. This retribution came at the behest of Portfolio Recovery Associates C.E.O. As  a Veteran who fought for this country, and a XXXX XXXX Family Member they are treating me like the scum of the Earth. 
Furthermore, I have collected social security benefits for the past twenty years. I can not afford a credit card from XXXX XXXX. In fact, my brother is the overseer of my finance. I only get {$710.00} per month. If XXXX XXXX approved a card in my name then they must be charged with fraud. Even if I owe it, I can not pay it, and they can not pursue civil actions against my social security benefits. 
Please help protect me against this horrendous collection parasite of a company. I had no other choice but hire Attorney XXXX XXXX for protection. Please help!
On or about  XXXX / XXXX /  XXXX    XXXX   XXXX  was instructed to lock a mortgage rate of  3.375 with 0 Discount points and one percent  origination. She chose to ignore instructions and instead placed a phone call after hours asking for clarification. When rates went up and it was communicated to her that she should have locked it and I wanted the rate locked on those terms, she locked the rate without clarifying terms and conditions on the date of the communication after the rates had gone up.     Addition ally, Navy Federal re fuses to honor the language of Section C of its price Commitment and insists on charging an additional  XXXX  dollars to close the loan in violation of the language in it 's own documentation.     I vehemently protested  XXXX   XXXX  's locking of the rates without clear instructions to  XXXX  and  XXXX  but even though they both admitted to not being attorneys and refusing to have counsel review the documents they interpreted the emails and documents in their favor.     I specifically told Navy Federal Credit Union I would not pay for  XXXX  's Mistake and rather than inform me they would not change the rates they waited until closing in an attempt to  bully  me to accept their higher terms. Furthermore, the  Credit Union  refused to provide the commitment letter in order to timely process the loan to my agent stating that they needed additional documentation on or about  XXXX   XXXX    XXXX   when they had already published the letter.     Navy Federal Credit Union also waited until the business day scheduled before closing to verify employment information and ascertain child care costs, ensuring it would cause delays and profit from higher rates.
I was in the process of trying to purchase a home when a loan I previously consolidated appeared on my credit report. I attempted to make contact with Naviant and the XXXX and they both stated they did not have the loan even though it appears on my credit. My current situation is that I am being garnished by the loan serviced Navient even though they claim they have no record of my account. I want to pay what I owe but I question their calculation and the lack of information regarding status of my loan. I have waited on the phone more than 3 hours total over 4 days trying to rectify. I need to know my next steps. I have notified all of the credit reporting agencies.
In 2015 the vehicle I was purhcasing from the company was stolen. It was around XX/XX/XXXX or XX/XX/XXXX. I filed a claim with my insurance company at the time. The company was XXXX XXXX. XXXX XXXX paid the company for the vehicle. I pulled my credit report and saw the company was listed on my credit with negative reporting. In the mean time from the time the claim was paid until now I have not received any bills from the company requesting payment due or balance due. I contacted the company to request a bill. The company said the account was transferred to a new lien holder company. I was given the number to the new company. I called the new company and I was told there was no record of me having a lease or loan from them. Since there is no account available to find I would really like this item removed from my credit. It has a negative impact on my credit.
I have an account on my credit report from XXXX auto-this car was stole off the dealership while I was signed my contract. I was told that the loan would not fund and that I wasn't responsible for the car. Well, the dealership did fund the loan with XXXX auto and I tried everything to get this loan undone. I filed a police report three years ago, tried to put the car through my car insurance, and I tried to help XXXX  get the car back-but I couldn't get anything done. I had great credit and didn't want to have this account report negatively, but I didn't have a choice. I filed all of the fraud paperwork that XXXX  told me to do and submitted it. I thought it was done, because I didn't hear anything from XXXX. 
I started the process to get a home and this account is showing on my credit. I once again filed a fraud aff, through the FTC fraud website, I was very specific in my filing. XXXX and XXXX XXXX has blocked/remove this debt off my credit and all three blocked/removed it off my husbands. But Equifax refuse to remove/block the debt off my credit report. They tell me that it's not fraud because I can't produce a police report. And I can't get a copy of the report, because XXXX pd didn't accept the complaint because the car was never in my name. And now XXXX is trying to collect a debt that is Fraud!!!!
PURCHASED ONE MICROWAVE OVEN FROM XXXX XXXX ON XX/XX/2018 FOR PURCHASE PRICE OF {$800.00} ( {$850.00} WITH TAX ). NEXT DAY XXXX XXXX DISCOUNTED THE PURCHASE PRICE BY {$210.00}, FOR A NET PRICE OF {$590.00}, OR {$630.00} WITH TAX. MET WITH XXXX XXXX TO RESOLVE THE DISPUTE AND THEY INFORMED ME THAT THE PROBLEM IS AND ACCOUNTING TRANSACTION ERROR WITH CHASE BANK CREDIT CARD, WHO IS CHARGING ME {$850.00}, PLUS {$630.00} WITH ERRONEOUS ADJUSTMENTS THAT DO NOT REFLECT THE NET ACTUAL PURCHASE PRICE OF {$630.00} ALL IN. WROTE A LETTER TO CHASE ON XX/XX/2018, WITH NO RESPONSE ; CALLED THEIR CUSTOMER SERVICE LINE ON XX/XX/2018, XX/XX/XXXX, XXXXSPOKE WITH AT LEAST 8 PEOPLE AT CHASE TO RESOLVE THE PROBLEM, WITH NO SUCCESS. THEY COULD NOT VALIDATE THE ISSUE
This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



XXXX XXXX TX XXXX XXXX, XXXX Closed {$1200.00} Account Details Last Reported XXXX XXXX, XXXX XXXX Original Creditor XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX {$1200.00} High Balance {$1200.00} Remarks XXXX Result : XXXX 
Dispute Reason XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX COM XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX. 
Balance {$0.00} XXXX XXXX {$650.00} Remarks XXXX See something wrong? 
You could dispute an error with Equifax. 
Manage Your Collections Accounts
XXXX XXXX is a collection agency attempting to collect for doctors bills from emergency room visits. I provided my insurance information at the time of the visits and numerous times afterwards. When I try to contact the providers, I 'm told I need to speak to XXXX. When I call XXXX, they tell me that they are unable to bill the insurance. The insurance paid out all bills that were sent and my co-payments were paid. I 've tried disputing the accounts with the credit bureaus but they refuse to update my credit report. 3 accounts from 2 separate dates.
DITECH IS FAILING TO REPORT TO CREDIT REPORTS FAIRLY AND OUTSIDE THE GUIDELINES. THE STATUS SHOULD BE REPORTING JUST LIKE XXXX SEE ATTCHED REPORTS. 

PAID IN FULL, CLOSED AND TRANSFERRED LASTLY DITECH AND ALL TRADELINE ARE FAILING TO REPORT TO XXXX