WillisBack/dataset-financial-user-claim huggingface dataset:
I informed the company XX/XX/XXXX to stop automatic payment, due to not having the available funds in my account due to on going legal actions and being a XXXX XXXX XXXX and XXXX XXXXe veteran not XX/XX/XXXX This company continue to draft my account causing multiple over draft charges to my account. 

I have the email letter that I sent to them. The repersentative from this company called me several time after I said I would call them back after speaking with my advisor. The person still called me back which I found to be harassment. The individual also called before XXXX and would not listen too me, talking over me so I told him by due my XXXX flaring up. 

Thanks XXXX
This complaint is against Best Buy Credit Services and Citi Cards. I opened a myBestBuy Credit Card through Citi Bank. Through my bank, I submitted a full balance payment to Best Buy Credit Services which cleared on XXXX XXXX, 2016, before the payment was due. However, I began receiving calls from a debt collector and received a letter from Citi Cards with a copy of my cancelled check for the full balance, asking me to provide information such as my account number, etc. The Citi Card letter instructed me to mail my response to a Citi Cards Payment Investigations P.O. Box, which I did. Over a month later, I am still receiving calls from debt collectors. The debt collectors calling me claim they have no access to the copies of correspondence that have been sent to me or a copy of the letter that I sent to them. They constantly transfer me to different departments and I have to wait on hold for significant periods of time before speaking to another person who can not resolve my issue. I have proof from my bank that I paid the full balance on a timely basis and I do not understand how Citi Cards and Best Buy Credit Services can, in good faith, claim that this matter is not resolved and that I owe interest. I am frustrated with their bad faith practices and want them to immediately acknowledge that I made full payment on a timely basis and that I owe Best Buy Credit Services and Citi Cards no interest.
Experian does not have a place to dispute accuracy of credit report so I chose balance wrong. Experian concluded everything is correct and did nothing and will not investigate again. XXXX is falsely reporting account information such as date delinquent, amount owed. I called XXXX previously and customer service reported amount owed was XXXX and first delinquent was XX/XX/2012
1. Credit report shows that XXXX that I lived at XXXX XXXX XXXX XXXX XXXX Ne XXXX I have never lived in XXXX , NE I have lived at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Iowa XXXX since XX/XX/XXXX. 

2. Credit report also shows I still work for XXXX XXXX XXXX I have worked at XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX 3. The Bankruptcy was related to my Wife 's failed XXXX  lease.
Disregard the above paragraph, none of your choices fit. We sold our home on XXXX/XXXX/2016, and BMO was paid off by the closing agency. 
the problem is we have not received our escrow balance.
Excessive calling one day after due date .Even called on XXXX morning at XXXX on XXXX XXXX.
I consolidated all of my student loans with the US DEPT of ED and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over 7 years old. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for 7-10 years.
I have a carecredit card for my XXXX XXXX at dentist. I was told to open up this account to help me pay my bill for 12 months with no interest. I had the XXXX the end of XX/XX/XXXX. I made my first payment to them XX/XX/XXXX when the payment was not even due yet. I did not know when my next payment was due. Also since I had no interest until 12 months I figured as long as I pay on it each month. I logged into my account today XX/XX/XXXX it said I had a late charge of {$27.00} and my bill was due XX/XX/XXXX. I called them because I paid the payment of {$48.00} as indicated on the statement. Then I called them because I did not want this reported on my credit report for being one day late and I did not know my bill was due. He said according to the law they have to report it even though its a day late. My other major credit cards charge you a late fee and only report it after you have reached the grace period. I think this is ripping people off because I only got it for a medical emergency of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am very disappointed since I have a good credit report. I am upset and stressed because of this and the person on the phone did not seem to care or assist in possibly considering what I was saying.
The debt collection agency IC System states that I owe {$17.00} for medication received on XX/XX/2018. 

I provided proof that I paid it on XX/XX/2018 and I even have the bank statement to prove that the money came out of my account on XX/XX/2018 when I was notified of the amount to be paid. 

The company claims to have investigated the debt, but still refuse to acknowledge that I did pay the debt. Even though the hospitals information app clearly shows that they received a payment from me.
There is no phone number to contact Equifax. They are the only of the XXXX credit report agencies that have a bankruptcy listed and my score is low with them as a result. It should not be there and I 'd like them to remove it and update my score. I 'm in a rush because I have a boiler out in a rental property we own and it needs replacing. I need to get financing. Is it possible for you to help expedite?
Today I received in the XXXX Mail a letter from " Equifax '' credit bureau dated " XXXX XXXX, 2015. '' On this same letter under the column " Previous Addresses, '' it incorrectly states that I lived at " XXXX. XXXX XXXX ; XXXX, California ; XXXX '' as " Reported : XXXX. '' I have NEVER lived in " XXXX, California. '' I 'm not really sure where it is at. I am a victim of " Identity Theft. '' For the last 18 years I have lived in the XXXX, California area. When I called up " Equifax , '' they refused to " Delete '' this false XXXX '' address from my " Equifax '' credit file!
I called to get persistant disputes removed from my credit and I was told it would take 30 days, however, when I called XXXX and XXXX they were able to do it within 72 hours. I informed them that I needed it done this week because I am applying for a mortgage and also told her I would notify CFPB and file a complaint. This information didnt faze XXXX, and again said it will take 30 days for the disputes to be taken off. Question ; Why isnt there any unionformity between the credit bureaus?
My husband passed away unexpectedly on XXXX XXXX, 2016, at this time I lost his social security XXXX income, so I 'm struggling to make my monthly mortgage payments. I wanted to modify my mortgage so my son and I can stay in our home. I have sent the required documentation several times to the mortgage company, and they keep sending me paperwork saying they still need a XXXX tax form, which I have now sent in 4 times. Today in the mail I received a letter stating they did n't evaluate my modification because they did n't receive the required documents. When I called to speak to someone, they said I first started this process XX/XX/2016 since it 's now XXXX 2016 I would have to start the process all over because it 's been longer than 30 days. I 'm grieving the loss of my husband trying to keep something stable for my son with everything he 's lost this year, and Specialized Loan servicing is trying to make things harder. I want to keep my house, it just would really help out a lot if my house payments were n't so high.
According to Federal Law the PMI is to be removed automatically once the balance of the mortgage is 78 % or less of the homes original value. Ive contacted the lender and they are using a XXXX loan modification to push the date out to XX/XX/XXXX. Original value was {$190000.00}. Mortgage balance is XXXX approx.
XX/XX/16-I have been threatened with court and other such threats by premier holdings llc. When I requested written documentation of this date they became hostile and refused. My husband then decided to call and they told him my private medial information without verifying he was who he said he was. This was the second time they have called me and threatened me and I can not find any information online for this company.
My federal student loans are aprox XXXX. I need to start repaying these loans. I currently pay {$500.00} a month in private loans, so my discretionary income is next to nothing. I have contacted resources for help arranging payments and they do not take into consideration my overall debt and I was told that it would cost me {$600.00} for these agencies to help me get a pmt of {$170.00} a month, which is still more than I can afford. I am an XXXX and if I default I could lose my job. Time is running out and I am desperate. Basically I was told that if I had children and was single and was not working full time and receiving aid from the government they would be able to make my payments next to nothing. I am being punished for trying to be a responsible productive member of society.
On XXXX/XXXX/2013, Bank of America charged {$270.00} for cleaning maintenance. Bank of America did not perform any cleaning maintenance on my home. Bank of America notified me that since the cleaning maintenance never happened, I would be credited the {$270.00} in my mortgage. I was never credited the {$270.00}.
I received a debt collection letter from LVNV Funding LLC on a XXXX XXXX Bank debt. I inquired about this debt, informing LVNV that it is not mine, I have never had a XXXX XXXX account and I received a letter in the mail saying the debt was bought out by Resurgent Capital Services. They claim the debt was opened in 2002 by myself with my current address, which tells me that they truly do not have a valid debt on me. When I called Resurgent to inform them that the debt was not mine and that it needs to be removed from my credit report, they said they 'd look into it and proceeded to send me another letter with the same information claiming I opened the account in 2002.
I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
I have carried a Bank of America XXXX for two decades. I have a {$25000.00} credit limit, which I never approach. I pay every monthly balance in full and on time, and have never had an interest or late payment fee. About once or twice a year, a " hold '' is placed on my account for reasons which are never explained. After hassles XXXX as detailed in the attached materials ), the holds are removed. I am asked to review recent charges, and these have always been from local vendors or individuals with whom we do business regularly. I have complained about this regularly, and am simply told that BOA is trying to protect me from fraud, and that they can not share the reasons for which the holds were placed. 
Most recently, I have had three such holds in the past few weeks, including XXXX in a 24 hour period. I have pleaded for an explanation, and have simply been told the same thing : BOA monitors cards and places holds for various reasons which they can not share. 

I should probably just replace this card ; I have another card ( XXXX XXXX XXXX which I use for business and some travel, and have never had such an experience. In fact, I sometimes use that card when my XXXX is declined. The problem with replacement, beyond the hassle it would create, is that by applying for such a high-limit card while another card is still active I would probably trigger an adverse credit report event. Thus, BOA has effectively trapped me in a situation where I have ongoing problems with their card, but can not get out of the card without suffering adverse consequences.
Back in XX/XX/XXXX my credit report showed a inquiry from XXXX XXXX. I never applied or ordered anything from them. I called them and XX/XX/XXXX they sent me a letter stating they sent a letter to all 3 bureaus to remove it. I faxed Equifax a copy of the letter to the dispute department and I disputed it online. I contacted them several times and they never removed it. So I filed a complaint with you all. I have been working with XXXX XXXX, Trade Practice Specialist Better Business Bureau Serving Metro XXXX , XXXX & XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX is not attempting to solve my problem. This has been going on Since XX/XX/XXXX. I spoke with XXXX again They said they sent and update 3 times to have this inquiry removed from my credit report. I spoke with Equifax and they said they do not remove inquires. I am very angry. this should not be on my report if it does not belong to me. I have never applied with XXXX or ordered anything from them. So why should this be on my report? Again I inquired about this in XX/XX/XXXX. I got this email Complaint ID # : XXXX Business Name : Equifax , Inc. You recently requested our help concerning a problem with the company named above. The company has not responded to BBB to date. If you have heard from the company please contact our office using the link provided or return this letter via mail. XXXX Please use the following to log in : Case ID : XXXX Password : XXXX Sincerely, XXXX XXXX XXXX Trade Practice Specialist. Sent me another email saying You only filed your complaint in XX/XX/XXXX, it is with Equifax now and as soon as we get a response it will be forwarded to you. It should not take this long to investigate something that does not even belong to me. Your attention in this matter would be greatly appreciated.
I have contacted Equifax three times to freeze my credit report and have provided all the documentation they asked for and yet, they still have n't frozen my account. XXXX and XXXX both froze my credit immediately, but I ca n't get Equifax to respond, even after three written requests.
I am now very concerned as I 've learned that Equifax had a security breach and now, my personal details may have been compromised. I am XXXX years old and worried that my personal information has been compromised.
I pulled my credit report and there was an account from syncb/old navy which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.
I have submitted several request for validation and verification of inaccurate accounts on my Transunion credit report. Transunion states all are accurate and verified. After the investigations were completed I asked for the source to whom performed this verification/validation. Transunion has ignored my request. Transunion still has not provided the requested information. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
I decided to buy a XXXX home that was almost done being built. From the beginning, I was rushed to complete the loan docs and close by XX/XX/2016. I was encouraged to use their lender UAMC because they offered closing costs and covered other expenses. The first lending disclosure showed the monthly payment to be approx. {$2100.00}. After submitting additional documents as requested, I received another lending disclosure through XXXX that showed the amount to be approx. {$2600.00}. I talked to the mortgage consultant I was working with XXXX XXXX and asked why the new disclosure showed a different amount. She said she would look into it and get back to me. Shortly after, I received the final lending disclosure that showed the monthly payment to be {$2100.00} three days before closing. Since that was the amount I was prepared to pay, I was prepared to go to closing. I did not use my right to negotiate a better price, interest or use another lender. At closing, I signed the Final Lending Disclosure that showed the payment to be {$2100.00}. On XX/XX/XXXX, I received a statement and bill from UAMC showing the payment to be approx. {$500.00} more than what I signed up for. Due to the holiday, I called UAMC on XX/XX/XXXX to ask about the discrepancy. I was told by XXXX that she would contact the Loan Officer-XXXX. I was not contacted again until XX/XX/XXXX by email from XXXX asking me to sign a new payment letter showing the amount as {$2600.00} saying there was an error in the monthly property tax reserve. As a consumer, I am not aware of what is missing on forms that I 'm signing. I faxed her a letter letting them know this was unacceptable and that they needed to adjust numbers on their end ( i.e. home price, interest rate, etc. ) so that my payment was correct and my escrow was covered by my monthly payment of {$2100.00} as I believed they were when I signed the closing paperwork. She argues that they are not in violation of the Truth in Lending act as I stated in the letter because other costs were less than originally stated. My reply by email was that as a consumer, the number that is important to me is the monthly payment. I need immediate assistance as the payment must be made by XXXX to avoid a late charge and I do not want any impact on my credit score. This is my 3rd mortgage experience and I 've refinanced twice. This is the first time I 've ever had an issues. I 'm not ignorant but this has to be a violation of the Truth in Lending Act. I could understand if months or a year from now, there was a slight increase due to taxes being higher than expected but the first payment?
On XX/XX/2018 and XX/XX/2018, a representative of XXXX XXXX XXXX , XXXX contacted several of my neighbors and informed them of a debt I am working to repay.
To whom it may concern : I am writing because there are some errors on my credit report and they belong to my sister and my mother. My name is XXXX XXXX, and I am continually linked to my mother, XXXX XXXX, and my sister XXXX XXXX. I can not change my address because whenever I have my mother and sister 's mail is redirected as well. I have realized that this is due to errors on my report. I have never lived in XXXX, MA. My sister, XXXX XXXX has. I have also never had a XXXX credit card, this account belongs to my sister, XXXX XXXX, and I need it to be removed from my financial record. We are XXXX different people, with similar names and addresses, until recently, but we do not share a social security number. I need my account separated from my mothers and sister 's as I plan on moving and purchasing a home. My sister had been dealing with the XXXX crediting companies for many years, trying to separate her financial record from my mothers, but I do not understand how this could be hurting me as well, since I do not share the same first name with my mother or sister. The XXXX crediting agencies have made these errors on my report and have not corrected them, thus I thought to report it once again before seeking legal action. I have attached copies of our XXXX different passports, in the hopes of showing XXXX different individuals, whom happen to be related, not the same person.
THE WELLS FARGO ACCOUNT ( LETTER ATTACHED ) DOES NOT HAVE ANY DELINQUENCIES PER THE CREDITOR ITSELF FOR WHICH THEY HAVE APPROVED. 
PLEASE HELP ME TO REMOVE THESE NEGATIVES LATES FROM XXXX AND XXXX. BECAUSE THEY ARE NOT COOPERATING. 
THANK YOU
In   XXXX   XXXX   XXXX     I filed for Chapter  XXXX  Bankruptcy. I had  XXXX  tax liens at the time for {$250.00} and {$3400.00} respectively. These tax liens were covered and paid through the bankruptcy. The Bankruptcy has dropped from my credit report but the tax liens have not. The tax liens report as released - but  XXXX  and Transunion have both responded to my disputes saying the information is accurate. It 's my understanding that the tax liens should drop 7 years from the file date once paid or if paid through Chapter  XXXX  bankruptcy - when the bankruptcy is removed.
When I requested 4 month 's forbearance on XXXX XXXX from XXXX XXXX  I was told that the lender only grants forbearance in increments of 2 months. The customer service representative instructed me that I would have to call back at the end of the first 2 month 's of forbearance and request an additional two month 's forbearance. When I called to implement the instructions I was given I was told that I was not eligible for another two month 's forbearance until I 'd made 12 consecutive payments. All calls are recorded and, after some research, the customer service representative confirmed that I had been given correct information. However, instead of suggesting an alternative or in any way trying to rectify the situation I was told there was " nothing that could be done ''. I suggested putting a payment plan in place for XXXX XXXX which would give me time to figure something out. In response to this I was told I " should n't worry about it '' because credit reporting does n't occur until an account is 30 days past due. In summary, I was given false information, held responsible for the information I was not given and then told there were no other alternatives. When I suggested an alternative I was told there was no process or capability on the company 's part to follow through with this alternative.