WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX 2016 at XXXX XXXX I paid off a XXXX XXXX residential collection account in full and received an email Notification from the XXXX rep that the account would be updated as paid in full or removed. However they took the full payment and did not up date the account status. I have contacted XXXX XXXX as well as all 3 credit bureaus equifax, XXXX XXXX to update my report numerous times and it still has not been updated. XXXX continues to report it as an unpaid bal. please see the attachment/ paid in full letter.
XXXX XXXX BMW leased XXXX VIN XXXX, a lemon, towed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and towed once more on its turn in date of XX/XX/XXXX. XXXX XXXX, GM of XXXX XXXX BMW, stated on he would not take the car back due to its history when I sought leasing a new BMW & therefore, a termination fee of {$350.00} for not obtaining a new BMW with his dealership should not be charged to me as Mr. XXXX denied me the opportunity to seek a new lease with his dealership. Additionally, out of pocket costs to have this car towed to the dealer via XXXX exceed {$350.00} ( I have the XXXX   paperwork confirming 3 tows on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and the {$350.00} tire cost fee assessed by XXXX XXXX BMW is not warranted and is disputable as the vehicle was inspected by a 3rd party, XXXX XXXX XXXX XXXX in XXXX XXXX ( which is where it was towed from on XX/XX/XXXX ) and no tire replacement was found necessary. BMW Financial sold this debt incorrectly and unfairly to ACT and XXXX BMW unfairly created these inaccurate debts for a car that is a lemon.
Upon examination of my credit report I found an item listed to   XXXX   XXXX    i n the amount of {$520.00}. I disagree with the item and so sent a letter via certified mail on   XX/XX/XXXX  requesting validation of the debt bearing my signature. Thirty-three days later they responded by sta  ting that the debt is valid but still failed to provide via ble evidence bearing my signature to validate the debt ( they instead attached a copy of a bill, which does not prove that the debt was mine ). Their failure to provide this information is a direct violation of the Fair Credit Reporting Act and is illegal in that they are knowingly reporting information that can not be validated.
Capital one credit card keeps sending me cards I did not open or want or agree to and theyre showing up on my report like I opened these accounts these cards need deposits to open so therefore I did not agree to them so I do not think its fair that it showing up on my report it looks bad on reports and hurts my score please help I have never use them or agreed to account to be opened especially when you need a {$200.00} deposit to open So therefore I declined and it still showed up that I open the account but as you can see I never used it so it should not be on my report
i placed a order on XXXX/XXXX/XXXX i did not receive my items but shortly after placing order i was in the hospital. when i came home i noticed i had a bill from victoria secret i called and educated them i did n't recieve my order the rep on the phone told me she would place the order into dispute and then transfer me to a rep to replace my order.never told me that i needed to make payment just said that it would take 60days for dispute to be resolved. mean while i received my replacement order a few days later and i returned all items XXXX/XXXX/XXXX a few days after receiveing. then i was put back into the hospital and my husband made a payment due to a bill i received. i have called the company serveral time to figure out why i have a bill and was charged a late fee. one person said i was charged shipping so then they xfer me to shipping department. the shipping department says i was not charged shipping. from my math i was charged was charged XXXX interest XXXX for account XXXXXXXX late fee and XXXX that no one can tell me where that came from. for a total of XXXX in fees and XXXX that no one understands.t i should not have been charged because 1st order was not received and everything from my replacement order was returned.and never told i needed to make a payment due to the dispute was filed and shouldnt have been charged account XXXX because i dont have any items. my husband did make a payment that he should n't had but he was unaware of the issue. so i will be having my bank reverse that payment due to i should not have had a bill
On XX/XX/2018 I received an alert that a hard inquiry had occurred by XXXX. 

I phoned ( XXXX ) XXXX, and it did not sound legitimate, so I tried going through my credit monitoring, but can not determine how to dispute. 

I never authorized a credit inquiry, and have no idea of this company.
i have a chase freedom card in which was opened in XXXX of 2015 with a starting balance of {$7000.00} within 6 months they raised the credit limit to {$12000.00} i am now carrying a balance of {$7000.00} whick i ussually do and pay off within two months when i recieve bonus checks i have never missed a payment and have always paid the card down which im assuming is the reason they raised my limit i now am in the process of opening a {$300000.00} home equity line of credit and out of nowhere i recieve a letter that chase is closing my account because i " cause issues to the banks reputation '' this now will drop my credit score and i am really confused, being that i have always paid them on time and EVEN recieved a credit increase without asking for XXXX and now they are closing the account. i called to ask what made them come to a conclusion that " i was a risk to the banks reputation '' and they said they did not have an answer to that just that " they can close an account for any reason at any time. I am just very upset that i work hard to be a good citizen and pay all my bills and keep a good credit score then chase just over a 6 month period gives my a {$7000.00} credit limit raises it another {$5000.00} then for no other reason other than " reputation " not for late payments or no payments because i have never done such a thing so i am looking to have them reverse this decision seeing that i am a good consumer. how can they do so much like open the account raise the limit then close it all within a couple of months and i would understand if i did not pay or if i have ever made a late payment but neither of those are the case they are playing games with my credit score. plus when they raised my limit i did not request that they raise it they just did it on their own. now for no fault of mine they are choosing to close the account and affect my score.
Synchrony Financial bank locked my account and requires an impossible phone call to regain access. I am in XXXX so international phone calls are impossible and would not be secure. This problem caused me to miss a payment, which hurt my credit and caused me to owe a lot of money. I was at zero interest and a late payment makes it go up to around the maximum. I was able to contact the company, and they told me to XXXX and now ignore me. Here is a quote : " You have no phone so please call this number. '' The bank called me three times, but we can not communicate because XXXX has phone problems - I ca n't hear the bank when I receive a call. I told the company about the phone issue - they are too stupid to understand. The bank stopped communicating. I have tried to contact the bank everyday for almost a month - they no longer reply.
My identity was stolen and i have been trying to work with the Credit bureau and th collection agency but have not been getting any assistance or response
On XX/XX/2018 a refund request along with XXXX dollar fee for each money order totaling XXXX dollars was sent certified mail to Western Union. We still have not received the refund. I have filed a complaint with western union as they are hard to understand and give us different information every time. I along with my boyfriend have called 20-30 times. I was assured for the third time these refunds would be here but the last time I spoke with them XX/XX/2018 they had an address that is not ours at all. Now we have to wait 10-15 more business days on top of the three months we have already waited. The customer service is the worst I have ever seen and if you ask to speak with a supervisor, they never answer. I need this resolved immediately! Thank you.
I requested my credit report thru XXXX. After filling out the info and answering the security questions, XXXX report did show up. I went to save and print and it kicked me off the page and said I needed to request by mail or phone. The next report, XXXX, said they could not process my request and to send them copies of my social, Drivers license, mort papers, utility bills, etc. Are you kidding me? I am not sending my personal info in the mail like that, that is how identities get stolen. I am completely shocked this credit agency would ask me to send these things, especially when they know this info already. Needless to say I did not get a single report and now have to wait 12 months to request another XXXX unless I pay.
I purchased my current home in 2016, and immediately after close I was approached by another lender who promised to lower my payments at no charge. I am enclosing a detailed letter. 
The lender fraudulently lowered y property tax amount to make it look like I was saving the XXXX monthly. I was unaware that he did this. A yer later I was informed that I was XXXX delinquent in my taxes and the new lender wanted payment in full immediately, which I could not afford. This sent me into a downward spiral effecting my health greatly, forcing me to miss work, which only made the problem worse. 
The new Lender did audit my file and change the property tax amount by about 76 dollars a month, still leaving the tax amount over 300 per month short. They should have seen it sooner, but the loan officer and lender that did the refinance knew what they were doing and refinanced my home, adding XXXX to the loan balance with a loan that in the end only saved me {$40.00} per month. The lender 's information is attached.
I 'm not even sure the original company that issued the payday loan. Which every company it is, it has been well over 5 years ago when I discovered that these payday loans were issued illegally in the state of NC. A few days ago I received a notification on my credit report that I owed MIDWEST RECOVERY SYSTEM. After researching them, it shows that they are trying to collect on a payday loan. I used the XXXX complaint system to have them remove this account from my credit report as their contract was illegally issued in the state of NC. XXXX however only updated the account saying it was valid.
I paid my credit card bill, sent it certified in fact and it was signed for by Capital One. The issued a lte fee for non payment even though I provided proof, in fact provided proof like 10 times. They refuse to reverse their illegal charges despite the reality.
On XX/XX/XXXX I requested a draw from my Reverse Mortgage credit line of the full amount stated on my XX/XX/XXXX statement of {$190000.00}, see attachment. This Reverse Mortgage was originated by XXXX XXXX over a decade ago and serviced by XXXX XXXX until XX/XX/XXXX when it was transferred to XXXX XXXX XXXX XXXX XXXX XXXX Tx. Phone XXXX On XX/XX/XXXX I contacted XXXX XXXX, they said they had my request, but do to the size of the request it had to be reviewed by HUD, a second XXXX agent said XXXX XXXX and XXXX XXXX  When asked how long it would take XXXX said " they '' dragged their feet and could not say. This is a FHA backed HECM.

I am in full compliance of the terms of my reverse mortgage i.e. I live in my home, it is in good repair, insurance and taxes paid. The request form from XXXX says monies would be placed in my XXXX XXXX account or a check mailed within 5 business days. At XXXX years old and making only the second draw on this costly credit line in ten years I feel mistreated. I will provide any information or documents immediately
I was not living with my parents at the time. They made my mother XXXX she is from XXXX, a citizen of the XXXX but still an XXXX, she didnt know what she was signing. I needed the money to pay the University XXXX XXXX. I tried to settle multiple times or ask or payment relief, reduction of interest rate. The interest rate is 10 %, once in deferment this loan has now grown to a {$38000.00} balance - initially taking out XXXX. THe only thing I was offered was a quarter percent XXXX .25 % XXXX rate reduction for setting up direct withdrawal. I can not afford the monthly payment yet they will not do anything to help. Ideally I want to refinance this and pay less montly but also at a lower interest rate. At this rate I will never pay off this loan. I should n't be crucified or bullied into high interests because I wanted to get a college degree. It is a shame and I feel it is " PREDATORY LEDING '' to the XXXX degree. The financial crisis allowed the XXXX industry to get out of their high interest and bad debt - these banks that lend to students target people who need the money to pay for education. What is wrong with this picture? I THINK A LOT!! How can we do this to the next generation of people trying to make something of themselves?? Putting them in an unrealistic financial situation with ABSURD interest rates and will not budge to settle the amounts or give a break on a XXXX interest rate.. PLEASE HELP!!!
I obtained a copy of my credit report on XX/XX/XXXX.It turns out that someone has been applying for credit in my name from XX/XX/XXXX but was unsuccessful because I have limited credit history.I contacted TransUnion to get the inquiries removed and all they wanted was to get me off the line.The first inquiry is from XXXX XXXX on XX/XX/XXXX.The second is from XXXX XXXX XXXX onXX/XX/XXXX and the third is from XXXX XXXX on XX/XX/XXXX.I hope that I can get my report to show my true credit responsibility.
I had an account with this company  XXXX  years ago but everything was returned. Now the company is reporting I owe them to Experian. It 's under an incorrect address, the account is listed as closed and charged off but they keep changing the balance. I 've contacted them via certified mail in  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX , and  XXXX   XXXX   XXXX . They failed to mark the account disputed which is a violation of law they also keep dtatint account verified however when asled to produce the validation information or signature binding me to the contract they do not or they do n't respond. I 've been keeping careful documentation of my communication with them. The account started off at {$2400.00} now it 's {$3000.00} and stated the account has a credit limit and it 's closed and charged off. I 've now sent certified letters to Experian as well and they are saying it 's validated but are refusing to send me proof or contact information for the creditor and has not removed it or marked it disputed. This account is incorrect, not following metro  XXXX  compliance, unverifiable and unfair reporting.
I opened an discover bank saving account with a promotion code of XXXX. 
The promotion is {$100.00} bonus when I make {$15000.00} deposit by XXXX XXXX, 2015. I did make enough deposit by that deadline. However, months passed, but there is no bonus awarded. I contacted Discover bank several times, they always say they will check it and it would take more than one month to give me feedback.
This phone was retasked from XXXX XXXX XXXX After two years this company continues to call for the original owner - I have repeatedly told them that I am not the person and asked them to stop but they call all the time
The representatives do not identify themselves, nor do they completely verify their customers. When calling they only ask my name and date of birth ... how is this proper verification? Personal information can be shared with anyone who knows my name and birth day. When I call the company reps refuse to provide their names. They refuse to allow me to speak with management and I have also been hung up on several times. They yell at consumers. The mini-miranda has never been read to me verbally. After at least 15 phone calls made over the last year I finally found out the name of the rep that I have been speaking with.. He may have not been honest. He advised that his name was XXXX XXXX and that he was the head of the company ... XXXX XXXX if you are the head of the company you should not be treating customers in such a rude manor and be following the FDCPA collections laws. Why are you even handling a {$340.00} dollar cable bill if you are running the company? One agent was willing to offer an arrangement on XX/XX/XXXX and when I called back on XX/XX/XXXX I was completely disrespected and hung up on. XXXX XXXX yelled at me and I was threatened. Completely unfair practices by XXXX. XXXX XXXX is extremely rude and I plan on taking this issue as far as possible. All over a XXXX cable bill. I have never received a written debt validation notice. All XXXX XXXX wants to do is argue rather than helping customers. 
XXXX XXXX has made several false statements and misrepresentations. He has used obscene, profane, or abusive language. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX
I have disputed the XXXX XXXX XXXX account as well as the 10 year old XXXX account. I have attached an statement provided by XXXX XXXX XXXX to fill out because of the fraud on my account, I also made state with the internet crimes department. So this should not be on report. 
The XXXX account should have been deleted due to age. Also I have provided payoff letter provided by XXXX. Not sure how they state last payment made in XXXX, when it cleary states account was paid off in XXXX. They also sent me a document to see if I would pay XXXX % of the bill to clear matter. So clearly they have some type of issues knowing what to do quoth account. i have also filed complaint with the XXXX about this.
XXXX XXXX XXXX , XXXX with the address of XXXX XXXX XXXX Suite XXXX, XXXX XXXX, CA XXXX, phone # XXXX is attempting to collect a debt from an account that does not exist. The letter is in reference to a XXXX XXXX credit card account, which does not exist. I only have a membership with the XXXX XXXX, and have no credit account with them. The collection amount is {$280.00}, charge-off date XX/XX/2018. Letter was received XX/XX/18.
I am the personal representative of my aunt. I was trying to continue to pay the mortgage on my aunt house during the probate process . Wells Fargo c ontinues to make withdraws on a closed  XXXX  account. I have tried to stop the automatic withdraw on  the Wells Fargo  mortgage from the  XXXX  bank account, but I have talked to at lea st   XXXX    diff erent people, and the process to get the automatic withdraw terminated is taking over  a   XXXX   XXXX   XXXX   XXXX  .     The details follow.   The first part of  XXXX , I contacted  Wells Fargo a bout haveing them stop automatic withdraw on my Aunt mortgage since s he died   XXXX   XXXX  this year and her account at  XXXX  had been closed. I was told by  XXXX ?? that I needed to send a copy of a  death certificate , and then go to  XXXX  Indiana personal ly ( this  is over  an hour and a half fro m  XXXX  ) to have my identity certified. I faxed t he death certificate  at  XXXX     that  XXXX .    On  XXXX   XXXX , I received a letter from  XXXX   XXXX  addressed to the Personal Representative of ( MY AUNT ). Then the letter as ks if ( My Nam e Spelled out ) have the PR permission to talk to in essence, myself!     Then received a letter from  XXXX   XXXX  on  XXXX   XXXX  which asked me to send my letters of testamentary.   I received a call from  XXXX   XXXX  and I returned her call but she was not available so I talked to  XXXX   XXXX . He was nice and helpful and confirmed that they had received t he Death Certificate.  He let me know that then we only needed to send the letters of testamentary and that someone would ca ll in  XXXX  h ours. I faxed the letters of testamentary on  XXXX   XXXX . I called  Wells Fargo  on  XXXX   XXXX  and left a message with  XXXX   XXXX . She said in her message that she would call back in    XXXX   hours.  It is Thursday,  XXXX   XXXX . She has not called.   Since  XXXX  was not available, I tried to talk to someone else. He said that they did not receive my letters of testamentary yet and that it takes a week to attach the letters. That was over  a week    ago and that he still could talk to me. This phone call laste d  XXXX  minute s.   I called  XXXX   XXXX  today. She said that she had my paperwork but still could not talk to me because of some excuse.   Mean while, Wells Fargo continues to withdraw money from a closed bank account and is not able to talk to  me.
I XXXX XXXX make a claim to each credit reporting agency ; i.e., XXXX, XXXX XXXX and Equifax, as a subscriber to your companies to report adequately is in serious violation. As you can see, there are two bureaus showing XX/XX/XXXX as the first reported 30-day late payment, and Equifax showingXX/XX/XXXX. Realistically the late payments started in XX/XX/XXXX, but XXXX XXXX XXXX has cut off two years of payment history to re-age the credit trade line, which is a serious concern to the Federal Trade Commission. The charge of {$3400.00} was from an overage on mileage on a vehicle lease. The timeline to file a civil action has passed, and the federal guidelines, and the 7-year rule applies as the first reported late shows over the legal time limit. As stated in the Fair Credit Reporting Act : ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any  information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. [ Emphasis added. ] I desire an updated credit report showing a full reinvestigation of the account at the beginning of this credit dispute. I am well within my rights requesting this reinvestigation under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act. I anticipate a full re-investigative credit report within 30 days. 
ITEMS MAY HAVE SURPASSED LEGAL TIMELINE TO MAINTAIN ON RECORD Case in point, if a credit card payment was late 84 months ago, and since that time the credit card was paid in full, settled for less than full balance, or charged off by a federally insured bank as mandated under Federal Deposit Insurance Corporation Rule 5000, applicability of applying a charge off standard to debt service, then the creditor must report the true payment history on the credit trade line for a minimum of 84-months. The Federal Trade Commission has levied fines and penalties against creditors for using a re-aging process totally in violation of the Fair Credit Reporting Act guidelines.

Re-aging of debts have been used by the Internal Revenue Service by re-issuing federal tax liens with a new fining number when the 10-year rule timeline was running out. It is used by creditors as a means of  stalling or delaying ones credit rating, simply by cutting off several years of previous payment histories. 
Accordingly, XXXX XXXX XXXX XXXX is in violation to their subscriber agreement with each credit bureau and must delete the referenced account credit trade line permanently.