WillisBack/dataset-financial-user-claim huggingface dataset:
I closed a credit card account ending in XXXX from Capital One in XX/XX/XXXX. I paid the balance off and received a refund check in the amount of {$2.00}. However, 5-6 months later I received a notice that I had charges on that account. I did not authorize these charges and do not understand why they were there. I have contacted Capital one on several occasions, culminating with a letter dated XX/XX/2017, where I asked them to 1 : Confirm that the account is closed as requested 2 : Remove any fraudulent charges on my account and remove the negative comments on my credit report 3 : Due to the stress of this situation and its impact on my credit score, resulting in me getting denied a credit card with a better rate due to my credit score. I am asking for {$1000.00} for the hardships of this situation. 

Currently I have a balance of {$100.00} and they have notified the credit agencies that I am late on this payment. This should not be happening
I have tried to reach TransUnion to no avail ... they are NOT responsive. 
They have me listed as a " delinquent account '' with XXXX XXXX XXXX which is totally inaccurate. I charged a recliner with XXXX in XXXX XXXX ( or XXXX ) for $ XXXX with XXXX XXXX XXXX. I paid monthly for a year and totally paid it off! Then I considered buying a bedroom set with XXXX ( XXXX?? ) and the salesman noted that I already had an account with XXXX XXXX. However, I DID NOT BUY THE BEDROOM SET! But ever since then TransUnion has reported me as having an account and being delinquent which is totally INACCURATE. They have messed up my credit score unfairly and this issue needs to be resolved once and for all. There is NO account with XXXX XXXX XXXX. ( I have receipt for recliner but do n't know how to attach it )
On XXXX/XXXX/XXXX we purchased a refrigerator and dishwasher at XXXX XXXX in XXXX, PA. The purchase price was {$2700.00}. We financed the purchase with brandsourcecard.com based on the dealer 's recommendation. The promotional financing was 12 months no interest with payments required. The promotional expiration date is XXXX/XXXX/XXXX. We are making payments. The merchandise was very late being delivered. The refrigerator ( the bulk of the purchase price ) was n't delivered until XXXX/XXXX/XXXX. I called XXXX and asked them to correct the interest start date to XXXX/XXXX/XXXX and the promotional expiration date to XXXX/XXXX/XXXX but they refused to make these changes. I would like those changes to be made because it is unfair to penalize us for the dealer 's XXXX delay in delivery. I would add that the dealer never communicated with us about the delay until we reached out to them.
I Had been a member of XXXX XXXX since 1980. During that time I have kept the account in good order and have had perfect credit for the past 30 years. 

I am a XXXX in the XXXX XXXX Area and have had some difficulties in recent months having lost XXXX sales. This had greatly impacted my cash flow. I fell behind in payments to XXXX XXXX as a result of this and have attempted to work with them to bring the account up to date. 

During various conversations with XXXX XXXX, I have been given information which has varied, to say the least. I was informed that if my account did not reach 120 days late ( which it had not ) it would not be reported to the credit bureaus. I aggressively paid down the balance which has been paid in full. The personnel that I had spoken with ranged from being very nice to badgering and somewhat abusive. 

I was recently informed, without notice, that the account had been cancelled and reported as such to XXXX XXXX XXXX and XXXX by XXXX XXXX despite previous representations that it would not be reported. With this derogatory information on my credit, it could cripple my business. I rely upon construction loans from lending institutions to operate my business and my fear is that this negative information will prevent me from obtaining this needed financing going forward. 

Additionally, XXXX XXXX has assessed service charges on this account which totalled more than {$10000.00}. The rate of the service charges was 2.99 % per month on the outstanding balances. I was also informed that I had lost over XXXX points that I had accrued through the use of this card prior to this difficulty. 

Any assistance that you can offer in this matter will be greatly appreciated. 

XXXX XXXX XXXX
Patient received medical care from hospital - referring physician 's partners are owners of the hospital. 

Patient 's insurance was billed for services - but upon inspection, services billed for and/or medical treatment allegedly provided was incorrect and/or not provided. Thus, it appears insurance fraud may have been committed and Patient is in the process of conducting pre-suit discovery. 

That being said, the amount of the debt is disputed.
Since XXXX I have deposited more than 5 checks already in my bank from my job, They do not offer direct deposit. Ever since i started depositing the checks they continually enforce a 7 day hold, and time and time again im told the amount would reduce after the 2nd deposit but it does not. It is not right to hold somebody 's paycheck for over {$1000.00} and not even offer me a dollar from my own check for a whole 7 days. PEOPLE HAVE BILLS TO PAY!
Allied Collections is the collection agency that is reporting a Negative amount on my report with the three major Creditors XXXX, XXXX, XXXX. I have contacted them with proof of the alleged debt to no avail, they have even return my mail sent for there response. I mailed to their P.O.Box as well as their Physical mailing address the address used on the credit report or the address in our local listing. I have sent three letters demanding a response. I finally sent a regular letter and it was the letter stating they have violated the FDCPA Law. I have been dealing with this problem for three months and i have gotten no where. I am a senior and i need this updated because it is affecting how i apply for housing and other things to live.
Can you reach out to @ XXXX and work together to make sure they get my transaction data quickly plz plz @ usbank
I received a letter from First Federal Credit Control, Inc.indicating that I have been placed in collections by a creditor ( XXXX ). I called First Federal XXXX today and was advised that XXXX XXXX from XXXX wants to collect {$460.00}. I was involved in a motor vehicle accident and gave the hospital the name of my vehicle insurance company ( XXXX ). I have never received a bill from XXXX XXXX and feel strongly that he ( or she ) should have contacted me if XXXX did not cover the charges for accident which took place in XX/XX/XXXX. I am concerned that the doctor waited until XX/XX/XXXX to send me to collections without XXXX sending me a bill.
I went to TD Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX on XX/XX/XXXX ( Sunday ) to establish a Rental Deposit A/C ( Landlord & Tenant A/C ). Tenant 's check in {$3300.00} was deposited same day and a deposit slip provided to me before I left ( copy of bank 's account opening form with all the details and my signature is attached for reference ) On XX/XX/XXXX, after I have evicted the tenant not paying rent for 6 months, I went to the same TD Bank to close the rental deposit account and want to withdraw the deposit to compensate my rental loss. I was told that the rental deposit account was closed in XX/XX/XXXX after no activities for 6 months since account opening and they were unable to retrieve any history of this account. I was asked to request for a statement of this account to be mailed to me and then talk to the Branch Manager with the statement. Nothing was received so I went to the bank again on XX/XX/XXXX and meet the Manager, she was also unable to find anything ans request me to wait for her call after she investigate the case with the Back Office, nothing happened, so I called the Manager on XX/XX/XXXX and XX/XX/XXXX to follow the case. The Manager said they are unable to do anything without the deposit slip which I was unable to locate in my files. I raised the question to the Manager that who authorized the closing of the account without my signature and are they able to locate any record of the deposit made on XX/XX/XXXX or XX/XX/XXXX and where the fund goes after the check was cleared. 
The Manager was unable to give me an answer and keep asking me for the deposit slip and/or the check copy which I can not find. 
As far as I know, this kind of Rental Deposit A/C can not be closed without my authorization, but no one in the bank can tell what happened. 
I am requesting the Bureau to help that what I can do in order to get back the fund of {$3300.00} deposited by me to the bank.
There are several inquiries on my credit report from same day are within days of each other from companies I never gave my information to. I have contacted XXXX and I am waiting for a reply. Equifax would not give me an option to dispute the inquiries but I did lock my credit report. With XXXX XXXX also I could never get to an inquiry dispute because all they want you to do is give them money to access your report. My credit is good I never miss payments and I believe companies are giving my information to other companies without my permission and my score continues to drop for no reason.
My husband and I have disputed XXXX several times. Each time it comes back as verified. I am have been disputing the loan amount, past due amount, payment history and account status. This dispute comes back the same each and every time.. Recently I received a letter from Transunion which states they verified name, address, and social and updated everything else. Well what they verified was not in question. How can they update information without contacting the creditor, I was told XXXX was never contacted by Transunion. I have included a copy of my credit reportXXXX XXXX letters from XXXX, an email between the CEO of XXXX and myself, and the XXXX letters from Transunion. I am ask Transunion to stop breaking the FCRA laws.
On XX/XX/2018 I was dealing with a seller from XXXX and transferred my funds to him though XXXX and as soon as I sent the money I immediately lost contact with the seller And my bank that Ive been with for 15 years said sorry theres nothing they can do Please help me
On XXXX XXXX, 2016 I went online to my bank account with BBVA Compass Bank, XXXX XXXX, CA. I observed that I had charges that had been deducted from my account that I had not made. I immediately telephoned my bank and was told by the first representative, who was in XXXX XXXX, that I should contact the vendor about these charges. I was appalled that I was not referred to the Fraud Department and instead was told that until the charges left the Pending category and moved into Posted that I would not be able to dispute the charges. Today, XXXX XXXX, 2016, XXXX of the charges have posted. I again called the bank and was referred to Disputes. I was also told that it would take 10 business days to return my funds to my account. I would like to file a complaint because I feel this is extremely unfair that a consumer must follow rules and regulations that are obviously in favor of the banking institution. My bank gets to float on my money. I find this unacceptable. When I use my debit card, charges are immediately taken out of my account. If I get a credit for charges placed on my debit card the bank gets to float on my money until they decide to return said funds. Again, I must complain that this is unfair to the consumer, me, and I want to make a formal complaint.
I leased a new XXXX XXXX through Hyundai Motor Finance ( Hyundai Capital America ) from a dealership in Pennsylvania, and am investigating my options to trade in the leased car at another manufacturer 's dealership. Part of the information I need when negotiating is an accurate payoff amount for my lease. I called Hyundai Motor Finance at XXXX to request this number, but was told by a floor supervisor in the Texas call center that they are not licensed in Pennsylvania to sell a lease vehicle to the leasee, only to a dealership. This part I understand. What I do n't understand is that she then told me that it is both Hyundai policy, and they are not allowed by law, to give the payoff amount to the leasee, but can only give that value to a licensed dealership. This puts me at the disadvantage of trusting a dealership that they have given me the correct payoff. I believe that even though I may not be able to buyout the lease myself, I should be able to learn the payoff for my own lease. I was told that if I wanted more legal information I should contact their legal department. I asked to speak to her supervisor but was told that none was available, and that he would call me back within " 72 business hours '' which I understood to be 9 business days. This is apparently happening to everyone in Pennsylvania that leases a XXXX from Hyundai Motor Finance who want 's to know their payoff. Are they correct that I have no right to this information about my own lease?
I discovered that my Chapter XXXX bankruptcy had been incorrectly reported as being discharged XX/XX/XXXX. I filed the bankruptcy XX/XX/XXXX and the XXXX XXXX bankruptcy court discharged on XXXX XXXX. This was incorrectly added to my credit record at all three credit reporting agencies some time this year and was not reported to me through the credit reports I obtained as late as XXXX XXXX, XXXX, but it was reported to several mortgage companies in a report obtained through XXXX XXXX on XXXX XXXX, XXXX, XXXX # XXXX. I called all XXXX credit reporting agencies ; XXXX, XXXX and Equifax last week ( XX/XX/XXXX ) to file a dispute and sent a copy of my bankruptcy court order to each of them showing the correct discharge date. XXXX and XXXX have both since corrected this in my report, but Equifax is telling me they are still investigating and that they have 30 days to correct the error. They fuse to give me any assurance it will be corrected any sooner. In the mean time I ca n't get the refinance mortgage I am trying to obtain. 

However, the most disturbing problem is the reporting of this public record. Equifax told me that they received this erroneous report directly from the Bankruptcy Court in XXXX XXXX, TX. I called the Bankruptcy court directly and they told me that the court does not report to the credit agencies. I pressed Equifax repeatedly to verify where they got this information and noted that all XXXX agencies had the same error on all XXXX of my reports. I asked for some kind of verification of who reported this information and they insisted that they got the information directly from the public records. I find this very difficult to believe since all XXXX agencies had the exact same erroneous information and that it was added to my credit report at all XXXX agencies at the same time, especially when it was n't shown with a discharge date of XXXX XXXX on any of my reports last year when I was able to get a mortgage to purchase the house I bought XX/XX/XXXX. I would not have been granted a home mortgage with a bankruptcy discharge less than four years old. 

I want to know who reported this to the credit bureaus. If all XXXX of the obtained the information themselves, at the same time, then who are they really getting this information from? Is there some third party public record reporting service they all use that they refuse to disclose or are they actually getting this directly from the official bankruptcy court records? And, more importantly, why is it wrong? Who is responsible for this? 

FYI, I have the credit reports from all XXXX agencies I obtained through XXXX XXXX and the credit report from XXXX XXXX as well as the court order discharge I obtained directly from the Bankruptcy court in XXXX XXXX, TX available if needed.
XX/XX/2015I have found out through numerous calls an research that " ARA '' Asset Recovery Associates is a ripe-off company that usesscare tactics to recovery debt. 
I was contacted XXXX concerning debt that my sonmay or may not have. Was told that he was a party to an action suit because his name was given on paperwork concerning this so called debt by my son. He was told that a sheriff or constable would be coming to our home to serve him papers. 
I was put on the phone an told that there had been several attempts to contact me concerning this matter with her espousing the same type nonsense. We found out that none of this was true. There was no sheriff coming to our home to serve us papers. However, we are XXXX older individuals XXXX. I wish to sue this company with your help for fraudulent misrepresentation of facts. I pray that you will assist me in this matter, so that I do not have to attain an attorney and take them to court. 
However if no resolution takes place " District Court '' and possible " Federal Court '' will be my next step. 

Name was never given to them by my son and furthermore even if it had been no company has the right to harass anyone that is connected with the person they are trying to contact concerning that person 's debt and responsibility. I will not let this matter rest until I receive justice. This company will be stopped from such unwarranted tactics against any person that has nothing to do with another person 's debt. ARA is a scam who purchases information and debt from companies penny on the dollar and than attempts to collect the full amount of the money with high interest. In most cases these debt are already past there statute of limitations.There are too many agencies like these that exist only to destroy and individuals credit, finances, cause them to lose their jobs, and make their lives miserable. 

If Asset Recovery Associates do not want this suit to go forth I am requesting deletion of son 's name from their records, and all records associated with any outstanding debt with their agency or any other agencies connected to them. I am also requesting {$500000.00} in damages due to their actions of fraud, misrepresentation of creditable facts, XXXX against my fiancee and myself. XXXX 

I have all recorded phone messages concerning this matter. I gratefully await your response to this letter. 

Thank you,
When requested validation of debt a rep by the name of XXXX XXXX screamed at the top of her lungs and told me to pay my bills after calling me XXXX I requested twice for debt to be validated still no response requested this within 30 days allowed. This company placed on my credit report without validating debt with me and also I stated I do not deal with third party collectors. They have still harassed me to the point I had to block their number. And mail a letter stating that if they continued to contact me I would file a complaint and or seek legal counsel. I do not owe this debt I advised original creditor to validate the debt and they refused to validate debt in writing.
Hi my name is XXXX, I have attempted to contact Transunion regarding 4 separate unverified accounts that are sitting in my credit report negatively affecting my ability to obtain credit. 

I have sent a dispute letter requesting that these negative accounts be Verified or removed. 

Transunion has failed to respond to my dispute letter sent on XX/XX/2018 and received by Transunion on XX/XX/2018. 

Transunion has failed to respond to my dispute letter within the fair credit reporting act 30 day response time deadline. 

Therefore in accordance with with s.1629e ( 8 ) of the debt collection practices act which clearly states any information known to be false. Can not be reported to any credit bureau. 

I request Transunion immediately delete this information from my credit reports. 

They have failed to provide me with verifiable documentation verifying these accounts or remove said negative accounts that are preventing me from getting credit. 

These unverified negative accounts which have been copied, notarized and sent via certified mail with proof of delivery have not been verified within 30 days of receiving in accordance with s.1629e ( 8 ) of the debt collection practices act and the FCRA 30 day response deadline. 

Below there are 3 separate photos providing proof of sent disputes to Transunion on XX/XX/XXXX
This has been going on for years. I now want to replace my car, so I 'm going at it again. Experian for years repeatedly attaches to my record bad, probably fraudulent debts, connects me to addresses I have never had any connection to. When I 've tried to dispute these items I get form notifications saying that they are my debts and addresses, etc.. I 've lived at XXXX addresses in the past 30 years, incur no debts ( I did have a dispute with XXXX ). I will attach the letter I sent to XXXX and the letter I will send to the XXXX credit reporting agencies. I feel shame, frustration, hopelessness. Did I XXXX someone off? How can anyone repeatedly do this unless their intentions are malicious?
PNC BANK, I received an escrow account disclosure statement indicating my escrow account is short {$7500.00}, comprised of XXXX that it was permitted to run short in XXXX w/out notice to us. This added to the {$3300.00} anticipated shortage in the coming year for XXXX makes up the total shortage amount. This is increasing our payment 66 % of its prior monthly payment amount. This is a big impact to our ability to repay our mortgage especially since my husband is going XXXX XXXX XX/XX/XXXX which will further reduce our monthly income. I do not feel PNC properly assessed the real estate tax figure needed last year when performing the escrow analysis at that time, it appears they were using the land assessed taxes only and not basing it on the actual assessed value after construction completion and the sale. I am dissapointed the account was able to go {$4200.00} negative w/out any notification to me as a consumer. Why are these not treated like a debt collection immediately and the consumer notified timely. My biggest question to the CFPB is why is there no notification to consumers when the escrow account begins to go negative by the lender, why is it allowed to go so far into the hole and we are expected to catch it up w/ in 12mo in addition to the resulting increase for the existing 12mo. I feel this is a fatal flaw that needs resolved immediately for consumers.
I did not receive a statement for XX/XX/2017 with Citi Cards. I sent in the payment without the statement, just the check. I am now being charged a {$35.00} late fee that they refuse to remove.
My husband went to our XXXX 3 times. 
Once was for a XXXX. XXXX. The XXXX went away on it 's own, and while XXXX paid for the XXXX and XXXX, they did not pay for the XXXX. My husband was not made aware of the fact that XXXX would not, or may not, pay fort he XXXX when the XXXX was taken. I believe this should have been done BEFORE the XXXX was taken. 
His second visit was because he had a XXXX. He paid the co-pay, XXXX, or so she thought. 
The third visit was because the XXXX. Most XXXX would have made the XXXX without additional cost, but this XXXX charged a co-pay AGAIN, which my husband paid. 
All of these visits and charges were posted onto MY account with the XXXX, not my husband 's. I do not know if the XXXX correctly submitted the XXXX to XXXX or not, since it is on my account rather than my husband 's. 
Now, there are XXXX collection notices on MY credit report. While I do not believe anything should be due at all, the XXXX collections are adversely effecting my credit. If there is any collection at all, it should certainly ONLY be XXXX issue.
I sent multiple validation/verification letters to this company requesting proof of my signature stating that I indeed owe this debt by contract with this company. I have attempted to make contact by letter on three occasions. I have yet to get any response from this company and it has been 90 days with no communication. I have sent letters to XXXX and to XXXX that in return is stating the account is verified and nothing else, they are neglecting to correctly verify this account is truly mine. I do know according to FCRA that I should be receiving proof that I did create this debt. I never received anything from this company or any company for that matter regarding this debt. I checked my credit and that is the only reason I know of this debt.