WillisBack/dataset-financial-user-claim huggingface dataset:
My ( 2 ) federal student loans with XXXX are being reported to the credit bureau 's as late for the period in which I was in school and they should have been deferred. Both accounts were paid in full years ago, so I am unsure how to correct this error on my credit bureau reports.
Southwest Credit Systems are reporting XXXX account balances I have from XXXX. XXXX balance is {$810.00} and XXXX balance is {$610.00}. I want to pay XXXX balances in full. In exchange, I would like SCS to remove these accounts from my credit report. As I understand, reporting to credit bureaus is voluntary and the company has the discretion to remove the entry. Since there is no law requiring the entries on my report, I think removing them immediately after I pay the balances in full is fair. The account for the {$810.00} is now time barred. The statute of limitations has run out on being able to collect it. I still want to pay it if the entries are removed.
Hello, Item reported below is not mine. I was never a patient of XXXX and never paid a XXXX. Reached out to Collection Agency listed and they have no record. Not my account. 

1. XXXX, - XXXX Also, I have never provided the name " XXXX ''. That is not my name. Also, I have never provided the address of XXXX Arizona to any creditor as I have never lived at that address. Please update and remove.
I would like to get a settlement for this debt. .. Information on how to close this account and get it removed from my credit report
I attempted to close my Best Buy XXXX card in late XX/XX/XXXX/early XX/XX/XXXX, when the card was paid off in full. There was a zero dollar balance on my card, and I closed it using the automated system offered by Citibank ( holder of the card ). I was hesitant to use the automated system, so I immediately called back and got a Customer Service Rep to confirm that the account was, indeed, closed. Confirmed. Closed. 

However, the company continues to email me " statements '' with the last 4 digits of the account number and my zero dollar balance info. I have called the company numerous times to verify that the account is closed, and each time they tell me yes, the account is closed. When I ask why they are still sending me emails with my " Best Buy XXXX Card Statement '' each month and ask them to stop sending the emails, they brush me off and tell me it takes a while for their system to update. XXXX months? 

I am concerned that anyone could still access this account, as it does not appear closed by the emails that I am getting. And since I no longer own the credit card, and I am not checking statements regularly, I am further concerned at the risk of identity theft. Why am I still getting emails from this company with my statement information if the account is closed?
On XX/XX/XXXX, I mailed requests to all three Credit Reporting Agencies demanding documentation verifying the accuracy of multiple items reported on my credit files with each agency, pursuant to Section 609 [ 15 U.S.C 1681g ], or the Fair Credit Reporting Act.The allotted time frame has elapsed for the companies to respond to my demand, either handling it as a standard dispute, or failing to respond at all, depending on which agency. These are nothing but stall tactics which I specifically warned each agency would not be tolerated. I have attached documentation showing my initial demand for verification. Any failure by each agency beyond this point will result in me forwarding all related documents to my State Attorney General.
I received a text from my landlord on XXXX 2017 that a creditor named XXXX has contacted him stating that I owed money to them. Stating how long I have been apparently on default with them and also stated an amount due to them immediately and asked my landlord to contact me and have me call them immediately. 
I was appalled that they have contacted my landlord and informed them of a debt that I apparently owed. This is a violation of my privacy and the FDCPA act. How did they even know who my landlord was and how did they even get his number? This is very disturbing to me. 
This is not only an embarrassment to me, but a pure act of defamation of my name intentionally informing my landlord of debts that felt my landlord needed to be aware of about me. I demand this company to cease and desist all calls to ANYONE other than the person that owes the debt. I will be filing a personal lawsuit against this company and will be demanding that they prove this debt even belongs to me. They must prove it belongs to me by providing me a signature IN WRITING and i sure hope they are not reporting false information to any of the CB 's. Very livid.
I had a really great experience with PNC Mortage on my home loan. Who do I call and complain tio about good service and low rates. I don ' t even understand how a bank would make a loan at 2.99 % or 3.99 % and tie up their money for XXXX ur XXXX yrs at such low returns. 
Would you inves your money for a 3 % return and wait XXXX or XXXX yrs to get it back Seems odd? Why would they lend money at such low rate of interest? Please share this compliant with PNC. They gave me great service! 

XXXX XXXX XXXX XXXX
I leased a XXXX XXXX from GM financial on XX/XX/2016 from XXXX XXXX. In the lease documents, its states a total amount that I will pay for Official fees and taxes as {$790.00}. 
After reviewing my lease papers, GM financial charged me a total of {$210.00} taxes on capitalized cost reduction, title fee {$15.00}, license and registration fees {$100.00}, sales use tax of {$360.00}, and a disposition fee w/ tax of {$410.00} for a total of {$1100.00}. I was overcharged for fees and taxes on my lease by an amount of {$330.00}.
I attempted to make a payment via phone on XX/XX/XXXX in an effort to provide a late payment being reported on my credit report. About a week later, I noticed that the money was never drafted from my account so I contacted Bank of America. The representative and I verified the information given. The information she recited was correct. She stated that the bank rejected payment. I contacted the bank and discovered due to a recent bank merger, the routing number changed. I relayed this information to the representative. I then asked if he could rerun the payment and back date it for XX/XX/XXXX so that I would not have a 30 day late payment on my credit report. He stated no ... .. I then requested to speak to a supervisor. I explained my dilemma and was again told no. I told the supervisor I was in the process of receiving a settlement as was prepared to payoff this loan in exchange for a little grace. She emphatically told me no due to human error. For the last few years I have been paying late due to not being able to do full time work. My attorney advised that I file for bankruptcy on many occasions. I decided against it as long as I was able to maintain my credit. I received my settlement on XX/XX/XXXX and at the advice of my attorney, I again contacted Bank of America on XX/XX/XXXX and spoke to XXXX XXXX. I explained my situation to her and explained that now I have the money to payoff the loan if Bank of America would remove that one blemish from my credit report. Again I was denied. I am not refuting the debt or any late payments ... ... but would like someone to consider removing the 30 day late payment in exchange for me rectifying the debt in full.
On XX/XX/2018 I submitted a debt validation letter to XXXX XXXX XXXX for account ending in XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus advised me to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, ad since that date the item has not been removed from my credit report and XXXX XXXX credit has failed to provide any validation of debt as requested. I have attached a copy of the company 's response which basically advises me that if I disagree with their failure to provide validation. I should contact the credit bureau to submit a dispute with them directly. I have sent debt validation request to the credit bureaus as well as directly to XXXX XXXX XXXX, with no resolution. Each company passing responsibility on to the other while they continue to report false negative information on my credit report. I have not applied for any credit with XXXX XXXX XXXX, and they can not produce any application with my correct name, address, or social because no such application exists. I am filing this complaint to resolve this situation before I am forced to pursue legal action against the credit bureaus as well as XXXX XXXX XXXX for violating my rights as a consumer.
Called in XX/XX/2018 XXXX  Hospital Billing department to get the final bill and detailed hospital to understand my part ( deductible after Medicare pays their 80 % of Medical Bills, my part is 20 % ) Was satisfied with the final part I owed and paid The Hospital XXXX  Hospital in full in XX/XX/2018.
Received a call today from a XXXX XXXX ( and one of her associates ) from phone number XXXX regarding my deceased husbands account. They would not tell me what account but that it was from XXXX ( my husband died in XXXX ). They said a payment was made in XXXX ( which I made have made but since they would give me no additional information I could not verify. When I tried to explain this the associated threatened me, yelling I used the card therefore I committed fraud and I would be sued and was hung up on. I tried to call back and was yelled at again being told ... you are a fraud and you have legal action against you do not call us back.
I attempted to pick up the transfer at two locations. At the XXXX on XXXX XXXX XXXX XXXX XXXX, MD XXXX I was told the transfer was not available after calling in before arriving and after being told otherwise. I then attempted to pick up the transfer at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX and was told the same. Funds for reference number XXXX were not available as promised.
Chase incorrectly entered an account number from a payer 's check deposited into my account on or about XXXX. This wasted two hours of my time, caused the person issuing the check and I grief when Chase wrongfully entered an account number from the XXXX XXXX account. I went to local branch and spoke with private bank gentlman who called the fraud department that had sent me an email saying my account was flagged and that all deposits would be monitored. They told him they could not located the payer 's account number. They have hit my account for below minimum fees and caused me major aggravation. Only after I called myself did Chase allegedly call the issuing bank and claim to rectify the issue. The service person from XXXX at Chase confirmed it was an error on their end. This is disgusting that Chase could n't figure out to call the issuing bank directly. It took them 6 days from deposit to figure out that there was an issue and it turned out to be an issue on their end by entering the wrong account number. The threats to review and hold up my deposits is totally unwarranted as is holding the monies until the XXXX. See the attached email from them. If I had not Chase on my own, after a failed visit to the actual XXXX XXXX branch, and beseeched them to call the issuing bank this would be pending forever. I 'm still not sure if they have fixed this mess. Why would n't they know to call the other bank without my telling them? Utterly disgusting. Bank reform desperately needed.
I called to extend my lease for 1month. I was told the fee would be XXXX. I was told XXXX times that I would be sent the extension paperwork-not to send in the payment alone but with the document of extension. I was told this and waited. The paperwork did not come until 19 das later. My phone has been ringing with them calling me telling me that I am late ; I have explained my situation but to no avail. I have asked for the harassment to stop. I blocked their phone number but now another one of their phone numbers call. My last appeal for the incessant calls I was told that until they received the paperwork the calls would and could not stop. Interesting though I thought since they did receive my check. I have never been late with a payment and want others to know about the awfulincompetent service. I am afraid this will never be righted and my credit will be affected. The XXXX has had XXXX complaints in 30 days.
In XX/XX/2011 I applied for a XXXX loan online in order to pay off a bill that was about to go into collections the next day. I filled out the necessary information and got a call saying I was approved and needed to send in a voided check to process the loan. I asked about paying off early and was assured that this would not be a problem. They told me if I did not pay on time I would be charged every two weeks XXXX dollars until the debt was paid. I paid off my bill and three days later paid the loan off early online. I didn't think anything of it until I noticed my bank account was lower than it should have been. I tried calling the number they called me on and it was disconnected. I tried calling the number the bank provided and no answer ( I called at least 10 times that day ). They wound up taking XXXX dollars from me before I was able to switch accounts. Now 7 years later they have turned this over to a debt collection agency that is the fifth one or so that has tried to collect. Every time I explain the situation to them I get a cease and desist on my account which goes well for about a year before it goes to another agency. This last one actually provided me details and amount as well as what I suppossedely currently owe ( XXXX now ). I'm tired of this and just want it to stop. In my XXXX and still trying to save more than XXXX bucks a week
I have a past due charge off with XXXX XXXX that is listed on my credit report as 'closed with balance '. My attorney and I agreed on a repayment plan on XX/XX/XXXX that I would pay back loan as long as it would not negatively impact my credit. This account was placed on my report and in fact did negatively impact my credit. Also, XXXX XXXX is continuing to negatively impact my credit score and report by creating inquiries on my report. This last inquiry was made on XX/XX/XXXX even though the account has been charged off.
Bank of America broke the rules. 
When Bank of America represented to me and bona fide purchasers the subject property is vacant and abandoned, Bank of America, the Trustee, the Trustee Attorney, the servicer, and third party representatives intentionally made false statements during loss mitigation processes including, but not limited to, the modification and foreclosure processes. These knowingly false statements and representations on a mortgage, Deed of Trust, or real property were designed to mislead and deceive in an effort to solicit or gain a desired outcome, action or inaction, or result and are in violation of the California Business and Professions Code. 
I have never abandoned or vacated the subject property and remain in possession, control and occupancy of the subject property to date. 
The XXXX Requirements are as previously stated and are to include the following : Anytime during loss mitigation processes when either party believes Dual Tracking has occurred or may occur, any foreclosure process can only be brought as a judicial foreclosure and no non-judicial foreclosure may be had. 
All previously mentioned resolutions are desired and mandatory.
SLS had the locks changed on a property while a short sale is being negotiated. I was told by XXXX at SLS on Friday XXXX/XXXX/15 I would be called in 2 days to meet at the property and they would give me a key. As of today, XXXX/XXXX/15, I have not received a call from anyone. Foreclosure sale date is XXXX/XXXX/15 and SLS 's actions are preventing the short sale from getting completed.
I would like to dispute the collections account from CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX XXXX ) This account was created as fraud, and should be removed from my account. I have no idea what this is and
I tried opening a bank account in XX/XX/2016 and was denied. I was a sophomore in college and had never had an account ; neither credit nor a bank. I do have student loans with NAVIENT, so I called them and they assured me all was current, but I didnt get to the bottom of the problem with BANK OF AMERICA. Today i tried opening checking account again and same thing happened. I looked at my credit report but only thing showing up is Navient accounts. 

I'm afraid that someone must have STOLEN my IDENTITY to open a bank account in the past but it is not showing up on my credit report. 

I am a female aged XXXX : XXXX XXXX XXXX
I was told their was XXXX intial fiance fee of XXXX they rest would be payments of XXXX on a XXXX loan so today would been last payment of XXXX ... they took XXXX and still said i owed XXXX so i called and talked to them they were jerks to me, and said you get charge XXXX fiance fee every XXXX wks unless u make bigger payments!! That was not how it was explained to me when i called and asked questions..Im not paying them another cent they got their money plus some. how can they lie and get away like this.
I 'm having an issues with Barclaycard processing payments by check on-time. My XXXX has to write a physical check to Barclaycard bank, Twice they processed checks late on XX/XX/XXXX and XX/XX/XXXX. Both times I got assessed late fees. It was waived for XX/XX/XXXX payment, but they would n't waive it for XX/XX/XXXX. My bank clearly shows they got the check by XX/XX/XXXX which was Friday before XXXX holiday weekend. Barclaycard bank did n't process it until XX/XX/XXXX. 

I have n't ever had issues with my bank not delivering payments on-time except for Barclaycard bank
XX/XX/18 - Received dispute result stating that the information I disputed was found to be accurate, however, information unrelated to your dispute has been updated. I disputed a collection NO KNOWLEDGE, NO CONTRACT, NO SIGNED AGREEMENT. I have NO knowledge of the collection with XXXX XXXX XXXX, XXXX. I have NO contract for the collection with XXXX XXXX XXXX, XXXX. I have NO signed agreement for the collection with XXXX XXXX XXXX, XXXX. Experian did not obtain proper/required information showing that I have a signed agreement, contract or knowledge of debt with XXXX XXXX XXXX, XXXX.
On or about XX/XX/XXXX, I took myself to the emergency room of XXXX XXXX XXXX ( hospital ) as I had a XXXX  XXXX  that was getting worse by the moment. 
I was admitted to an emergency room, and it was determined that I would be treated and kept for the evening. I was released the next day, and went about my business. 
I never received a bill ( which seems common since I have Medical ) from the hospital. 
Approximately on XX/XX/XXXX this year, I found a derogatory credit item on my XXXX credit report from a collection agency that uses the name of California Business Bureau, with an address of XXXX XXXX XXXX XXXX, XXXX, CA XXXX I placed a phone call there on XXXX, with the intent to find out why my emergency visit to the hospital was turned over to a collection agency. The woman I spoke with indicated that my insurance did not cover the hospital visit, as I had " XXXX XXXX and the deductible had not be met '' I informed her that I had no other coverage/insurance other than Medical, and that this had never been an issue before. 
She stipulated at this point, that I needed to get a form ( MC 180 ) from Medical showing my coverage, and that they would then bill them ( Medical ) I reached- out to Medical and they indicated that " I needed to provide the bill from the collection agency, before they could send me this form '' I called Medical a second time, and got the same response. 
On XXXX, I called the collection agency, and spoke to a woman by the name of " XXXX '' who said she would forward the bill ( same bill I never received ) to my residence. 

On XXXX, I called the collection agency once again, and spoke to another woman there who indicated that here name was XXXX XXXX. At this time she indicated that my bill was " archived, and that forwarding it to me would take awhile '' I asked her how long/what time-frame was " awhile ''? and she replied that she had " no idea '' I am attempting to do the right thing, resolve this matter, and the collection agency is far less than helpful. 
The hospital is supposedly in the amount of {$2500.00}. 

Thank you in advance for your assistance. 

Sincerely, XXXX XXXX XXXX
Due to job loss back in 2008 I could not pay all my debts. I had contacted the Capital one company and told them I could not pay and to close my account. My credit limit was only {$500.00} and I had not maxed the balance out, but was paying on the balance. I discovered 2 years later that my balance had jumped from {$370.00} to $ XXXX!!! When I contacted Capital one, I was advised that because I had not been paying my balance timely enough, that the charges were continued late fees, penalties and interest! I understand late fees and some interest, but how in the world could anyone pay off a balance with no job when they continue to increase with no cap? I tried to negotiate with them to have me pay off the balance at a set fee, but they still would not allow the negotiation. It still remains on my credit today and after many calls they will not agree to anything! It is not as though I have n't tried over and over, but the charges are excessive and unfair.
XXXX  allowed a credit card to fraudulently be opened in my name in XX/XX/XXXX/XX/XX/XXXX, even though my credit union accounts were " frozen. '' I submitted the notarized affadavit and copy of the police report I filed and have followed up with XXXX  several times, but the company still hasn't removed the record from my credit files and continues to report that payments are late. My credit score has dropped because of this.
I am a victim of Identity Theft. Someone has placed things on my 3 credit bureau reports and they also filed bankruptcy in my name without my consent or knowledge. I sent the complaint to all 3 credit bureaus along with multiple attachments as proof. By law, the 3 bureaus had 4 days to block the information relating to the identity theft. Out of the 3, only 1 has done anything and they ONLY annotated that the bankruptcies were " in dispute ''. All 3 of these bureaus should have blocked this information immediately and they have not.