WillisBack/dataset-financial-user-claim huggingface dataset:
On my Bank of America Acct. XXXX, I made an auto pmt. for {$1200.00} on XX/XX/2017. My IRS check did not come in until XX/XX/2017 and the check did not clear. Bank of America changed their policy to deduct the check when it is issued from the account versus when it is deposited by the recipient. I called Customer Service and they told me to issue another auto pay check as the first one ( check # XXXX ) did not clear. I made another payment with check # XXXX. The next day both checks cleared. I called Bill Pay and they told me that Customer Service should not have told me that. They then voided the check # XXXX. Both checks were sent to the Texas Attorney General Child Support Division. Their processor received both checks and forwarded the amount to the recipient prior to depositing the check. They then sent me the attached letter. I called them and said this was a bank error and I paid the correct amount of child support. I tried to arrange a call with both Bank of America and the Child Support Payment processor on the phone, but they said they need a letter from Bank of America on their letterhead stating this was a bank error. Bank of America said their attorneys would have to approve this and they can not fax a letter to the Child Support Div. I have filed a formal complain with the Texas Attorney General 's Office and now with Bank of America as they are incorrectly presuming I have committed an offense and this matter may be referred for criminal prosecution. Until Bank of America provides the requested information, I can not send the Child Support Div. checks. Please provide to the Texas Attorney General 's Office Child Support Div. the information they have requested at your earliest convenience. The bank policy should not be to deduct the amount from my account when the check is mailed but when the check is cashed. Similarly, the Child Support Div. should not forward money that was not cleared their bank.
I renegotiated my student loan with Wells Fargo. The original terms of the loan was to pay XXXX XXXX dollars a month for fifteen years. The new terms was to pay them XXXX XXXX monthly for a shorter period of time. When i requested a im school deferment i was told to send in the paperwork. I then received a letter months later stating paperwork with a bill. I called and they verbally notified me that my loan was charged off three years ago without my knowledge. I had been calling in phone payments every month consistently. I have no idea where that money has gone since the bank is refusing any access to my payment records account history etc. i am attending an accredited program at this time for a higher education.
Hello, On the XXXX of XXXX, a default Judgement was filed against me at a courthouse in XXXX, IL. First, I've had no prior communication with this company and did not know who they were until I received two letters in the mail. 2. I went to the courthouse to find out what the matter was about and they told me that I was sued for a debt. 3. This debt has been discharged by the company. 4. They lied on the court documents pertaining to " service. '' They said that they did a substitute service where they gave the documents to my mother who told the " server '' that she would give me the documents when I get home from work. That is a lie. My mother has been XXXX for nearly 10 years now and I do not work because I've had XXXX and can not work. This debt does not show on my credit report and I was told by two agents who told me that I had a XXXX  balance. 

Another concern that I have is that Midland XXXX XXXX has been sued by several states because of their behavior ( s ). There are thousands of complaints against them online and yet, they remain in business. They shouldn't be allowed to break the law to take advantage of people.
Was denied credit due to negative information on report supplied by Southwest Credit. Never contacted at all before information was supplied on credit report causing defamation of character and load denial. Reported that the debit took place XX/XX/XXXX. I have been a resident of XXXX XXXX since XXXX. Account was cleared with XXXX XX/XX/XXXX no balance due since moving of apartment. No signature on any paperwork to verify thus debt. 

1. Statute of limitations expired in the state of XXXX  in XX/XX/XXXX. 
2. Southwest credit provided false information to the 3 bureaus without even verifying the debt which is unproven and the incident took place XX/XX/XXXX 3.  Caused a denial of credit and score drop due to in proven false information. 
4. Refuse to provide company address, web site and necessary information to receive written documentation. 
5. Disconnected from phone call on XX/XX/XXXX at XXXXXXXX when requesting mailing information. 
6. Reporting debt of {$180.00} that is not verified and created in another XXXX state back in XXXX past the statue of limitations. 
7. Attempting to force me to pay for something that is falsely created.
XXXX  Experian and XXXX XXXX XXXX sent this letter with all the other letters that Ive submitted on this portal. Still XXXX XXXX afforded NO CONTRACTS BEARING MY SIGNATURE obligating me to pay the debts they are reporting. Still has not placed notice of DISPUTE on my XXXX  and XXXX  and Experian file within 30 days violations of the FCRA. The Attached Documents are LEAVING THE DECISION UP TO YOUR BUSINESS to do the right thing and remove this inaccurate and unverified information from my CR. Thank you for your considering my request.
I attempted to remove my money fro m Coinbase but w as not able to.     On   XX/XX/XXXX , I m oved   XXXX   from my "  Vault '' account to my " Wallet ''  account. After attempting to send this   XXXX   to a service ext erior to Coinbase on  XX/XX/XXXX , I was inform ed that for my protection the transaction was delayed . Coin base  notified me that if I verified my account the transaction would verify instantly.     I verified my account and now the transaction remains pendi ng over 24 hr later. T hey are intentionally withholding my bitcoin.
Calling my work numerous times asking personal questions. Asked my hire date! Calls at least 3 times a week. Her name is XXXX XXXX, she is not the only one calling now ...
My husband and I sold our home on XX/XX/XXXX we called the mortgage company XX/XX/XXXX regarding the update on our escrow account, the agent we speak to over the phone advice us that a refund will be send out and we will receive it by the end of XXXX. On XX/XX/XXXX we called again because we're wondering what happened to our escrow refund, again the agent told us it will be send out XX/XX/XXXX. It is now XX/XX/XXXX and we haven't receive a refund from our escrow account. We also concerned that we over paid the interest for the month of XXXX.
XX/XX/2018, I received at XXXX XXXX cst I received a phone call from XXXX XXXX at XXXX. I was at work so when answering the call it took me some time to get up from my desk before I spoke. The initial things stated among answering the phone was Hi, My name is XXXX XXXX with XXXX XXXX trying to contact XXXX XXXX. Initially when hearing that I went into alarm. I kept asking who is this with what company and he stated that he would need to verify some information first. I stated no I would need to know with whom am I speaking. XXXX then stated he was with XXXX XXXX XXXX for Ace Cash Express. I then stated hey XXXX you know you can not represent your self when contacting someone and discontinued call. I refuse to disclose information to any one falsely identifying themselves to me. Later that same hour I attempted to call back in hopes that I can at least obtain a company name. Nope! Not to my surprise it went directly to a busy signal the first time. Second attempt went to a voicemail where XXXX just stated XXXX XXXX. And then a third time he answered I disconnected.
I have being in a dead lock process of refinancing my property with First Guaranty Mortgage Corporation for over 90 days. The company is stone walling me, locked me up in a rate that expired in XXXX 2015, then re-lock me with same rate for another 60days that will expire in XXXX 2015 ). All phone call communications and e-mail correspondences were not returned. Currently, I can not go to another financial company for assistance to refinance my property due to First Guaranty Mortgage Corporation holding on to my FHA number and not giving me information that I needed on my mortgage property tax ( XXXX ) in other to re-assign my re-finance loan to another financial mortgage institution.
my credit was pulled on  XXXX   XXXX   2015  I by  XXXX   XXXX   XXXX . I was already a customer and when I asked  XXXX  the  buy here pay here Manager, his response was he pulled it for locati on purposes.
XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX  ) XXXX-XXXX Account was charge off and closed XX/XX/XXXX, Company is now showing new account balance of {$3800.00} of XX/XX/XXXX and also show as open
Recently while conducting a monitor of my credit report I discovered that MEADE & ASSOC # XXXXhas furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from my doctors office but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to anyone to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Experian Credit Bureau deliberately overloaded my credit report with bogus open accounts which were paid in full, and closed-not revolving. They also put over a dozen bogus addresses on my account as belonging to me. Experian also lowered my credit score from the 700 range down to the 500 range, although I did not have any late or delinquent accounts as they falsely claimed. I also sold my house, which I had for nearly five years, and in the years that I had the house, I was never late or missed a payment. Experian took it upon themselves to put a negative payment on the account, and then lowered my credit score over 150 points. When I complained to them, they deliberately lowered my credit score even more, and refused to even give me credit for selling my house. Instead, they focused on two revolving credit cards that I do have-and I am not late on them either. Experian just continued to lower my score, and said I had XXXX debt, and that it was " computer generated ''. My yearly income is {$47000.00}. I have a car payment of {$510.00} per month for seven years. I just bought the car in XXXX of 2018. The two credit cards are XXXX XXXX  card, and A XXXX XXXX store credit card, and that is it. I have no dependents to take care of. I have no mortgage, and I am not in debt or at 90 percent of my income. Experian is using the excuse that the 2 credit cards I have are the reason I have a XXXX credit score, although I am not delinquent on either of them. The XXXX credit card has a credit limit if {$2000.00} dollars, and the XXXX XXXX Credit card has a limit of {$2300.00} dollars. Neither is maxed out, but even if they were, this does not constitute my credit score being deliberately lowered over 250 points for no good reason. If you take and add up these 2 credit cards, and {$6100.00} for the car payment for the year, you get {$10000.00} debt for the year. If you take {$10000.00} and divide it by my yearly income, you get the percentage of my debt to income, which is 22 percent rounded off-not XXXX percent like Experian claims. Also, Experian lowered my score right before I bought the car, so I would have to pay a higher interest rate. And, everytime I try to file a dispute by phone with them, I am met with hostility and ignorance. And, every time I try to dispute any of this and the false open accounts and negative reports on my account on their website, it is suddenly always not accessable. Experian has deliberately messed up my credit score, and FICO score, and then tries to lie and say they have nothing to do with it because it is computer generated-yet, they are able to lower my credit score even while I am on the phone with them. I want justice, and I want my score put back where it belongs in the 700 range like it was before they messed it up. I also want all the bogus information and so called revolving accounts made closed like they are.
I sent letters to ic systems asking them to send me proof of debt owed or copy of last bill on XX/XX/XXXX today is XX/XX/XXXX they have reported to XXXX that I owe money when I do n't.
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Experian stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Experian did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. yet they have not.
I tried looking up my credit on creditkarma and could not get it to work until I tried using my father 's name with my social security number and it worked. I need to get my father 's name off of my credit report and social security number.
I CALLED MY INSURANCE COMPANY, XXXX, AND THEY INFORMED ME THE DEBT WAS PAID AND I WAS NOT RESPONSIBLE FOR DEBT THE COLLECTION AGENCY IS CALLING ME FOR.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
A Company Called  Diversified Consultants be gan calling my cell phone multiple times a day. I would not answer the phone because I have no business with that company. They have added a collection account to my credit report. I do not have any business with this company and have no outstanding unpaid bills or charged of debt with this company or any other. I believe they have the incorrect person or they are trying to collect money from over 20 years ago. They have not mailed me any information about the debt and I will not speak to a collection office when I know I have no issues.     I believe this company is engaging in debt collection in an illegal matter and should be investigated. I have disputed the account with the credit bureaus. If the account is not removed from the credit bureaus then I will pursue legal action for damages against  Diversified Consultants.      I am in the process of trying to buy a home and this has caused financial damage to my person.      XXXX   XXXX
I contacted XXXX on XXXX XXXX, 2017, and I contacted the collection company I.C. Systems in XXXX XXXX 2017, asking for proof that this was my debt. I asked for a signed contract or invoice of some kind. The company who claims I owe them is called XXXX and does business out of Alabama and Florida.
They would NOT provide any proof whatsoever, but maintain the debt is mine and will not remove it from my credit report.
The amount of the debt reported is {$1300.00}
PAID FOR CREDIT REPORTS TO CORRECT ERRORS ON MY CREDIT FILE, FILE DISPUTES WITH NO RESULTS.. ITEMS ON MY REPORT ARE NOT MINE EQUIFAX CONFIRMATION NUMER XXXX FOR CREDIT REPORT Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$950.00} XX/XX/XXXX {$85.00} PAYS 31-60 DAYS Closed Accounts Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$7200.00} XX/XX/XXXX {$7200.00} CHARGE-OFF XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF XXXX XXXX XXXX   Show Details XXXX  XX/XX/XXXX {$45.00} XX/XX/XXXX {$45.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX Show Details XXXX   XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX 120+ DAYS PAST DUE THESE ARE NOT MY ACCOUNTS AND I HAVE CALLED EQUIFAX AND XXXX AND FILED COMPLAINTS IN WRITTING WITH NO RESULTS TO CLEAR THESE FROM CREDIT FILE.
I have been a victim of fraud on my account XXXX times in one year from Captital One 360. Each time, I am required to wait up to XXXX hours for pending payments to post so that I can then dispute them. I am left without funds in my account for the same amount of time. I have repeatedly ask Capital One 360 to change my primary contact number to my mobile number so that I am immediately notified of any fraudulent activities. I also receive no compensation for any loss of time or inconvenience being caused by the repeated fraud this bank allows to happen on my bank account.
I had a Bank of America account in 2009 and some one got a hold of my checks and over drafted my account by over {$1700.00}. Bank of America refused to do anything about it and I refused to pay it so it went into collections. XXXX acquisitions had it first so I hired XXXX to have it removed and XXXX in turn did remove it off of my credit report but turned around and sold it to XXXX XXXX XXXX. So we disputed it again and it came off my report again, however it now got sold to XXXX. We are disputing this for a XXXX and hopefully last time
I recently reported an error in my credit file with XXXX regarding a mortgage with Chase Mortgage Services. XXXX came back stating that the item was verified and reported correctly, when in fact, I sent them documents to prove my dispute. Chase is reporting a mortgage in the amount of {$220000.00} obtained in XX/XX/XXXX for an investment property located in XXXX MD as included in bankruptcy when it was not. Further, on XX/XX/XXXX, the loan was transferred to XXXX for servicing and no longer serviced by Chase. Chase and XXXX both have failed to update my credit files accordingly. I have sent a letter to Chase and to XXXX ( again ) requesting that they update this information immediately. I 've attached a copy of my letter to Chase Mortgage along with evidence that this loan was exempt from my Chapter XXXX filing in XX/XX/XXXX as well as a copy of the letter they sent confirming the transfer of the loan. I request that both Chase and XXXX update my credit file as noted on my letter dated XX/XX/XXXX.
I have items on my credit report that are over 7 years old and I am a victim of Identity Theft
The problem relates to denying me access to online information about my account. I have had a Citibank Credit Card since XXXX. Recently I fell behind on my payments but and am more than 30 days behind ( for the first time in 11 years ) but less than 60 days behind. I promised to pay on XXXX which is still less than 60 day. This promise is in Citibank 's Data Base. All my statemets are delivered on line and that is how I access my account info. I receive nothing by mail. For some time when I login to the Citibank credit card website I can only see a screen that informs me that I am past due and gives me only the options of setting up automatic payments or paying now. Today, XXXX/XXXX/XXXX i called customer service about this. I was transferred to XXXX ( his Citibank ID number is XXXX ) who supports the website about XXXX EDT. He listended to my concern about not being able to see information about payments or any of my statements. He then went offline and came back to say that since the account was over 30 days past due, online access was denied. He said he could mail me a past statement but could not allow me to see my past statememts or payment info online. Mail obviously would take several days. He then transferred me back to customer service who verbally relayed the information I was seeking from my most recent statement. I told XXXX that it seemed wrong that I would deny access,, since I have no printed statements or anything else in writing from the company. I also pointed out that no other credit card company I deal with does this. If I am past due, they flag it on my homepage on their website, but the functionality of the website is unchanged. He said he was sorry, but that was their policy and he could not change it. He said he would mention my concern to his supervisor. In short, my complaint is that the company cut off electronic access to all information about my account because I was late on one payment in 11 years. This seems arbitray, not customer friendly and costs both the company me and time as I have to wait online for a live person to answer my questions. I think this policy of Citibank 's should be eliminated, to bring them in line with industry norms ( and perhaps banking regulations?? ) Thank you
Im a victim of identity theft, and this company has refused to follow the laws set out in the fair credit reporting act and block this information from appearing on my credit file. To add insult to injury, they claim to have verified the information despite them being the one who alerted me to my identity theft in the first place!