WillisBack/dataset-financial-user-claim huggingface dataset:
I have an amazon account and I opened an Amazon Credit Card account. Problem is you ca n't log on to make a payment without being redirected and then asked to log on again to a different website. I had constant issues logging into the third party website every time I wanted to make a payment. I was so frustrated just trying to make payments I decided to close my account and would have expected when I clicked the close your account option over the phone, it would have required you to pay and close the account. Nope it just closes your account. Then I tried to make a payment using my Credit Card to pay the entire amount off and it wo n't accept a credit card payment nor would it allow me to reopen my account. No way should it allow you to close your account without informing you of your closing balance and stating the only way to pay off the balance is via a checking account. I would NEVER have closed the account had that information been provided prior to the closure. I would have simply remained making the payments however troublesome making them were. Now I will be forced to pay the entire amount at once. I believe they make it difficult purposefully.
Experianis taking too long to clarify dispute results from accounts that have been closed but still have recent payment process, or due amounts.
I am being charged for a vehicle tow and storage on a vehicle that was sold two months prior to said tow. I have supplied evidence to this fact to the company repetitively and they still keep trying to collect from me a debt I do not owe.
XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Experian XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
These accounts disputed by the Department of Education, none of these 2016 dates to the right should be existing ( where late payment history shows ), and none of the columns showing pass due should have any number in it as they are NOT in collection and the verbiage should be on the credit line as in collection because it is not, such as column XXXX acct # XXXX. ) This is inaccurate. I am requesting that these accounts be corrected. 
Also account # XXXX ( XXXX ) has been satisfied entirely and account # XXXX ( XXXX ) has been satisfied. I respectfully request that these are also corrected. 
Enclosed are copies of XXXX XXXX repayment for the accounts listed in your bureau supporting my position. Please reinvestigate these matters and correct the disputed items as soon as possible. 
Sincerely, XXXX XXXX
They have called and threaten to seize my accounts, to come to my work and home if i do n't pay the account by  XXXX   XXXX  today. I 've asked them not to call as well as told them this has already been paid, in  XXXX . They refuse to give me the name of their company and when I look it up it is a cell phone they are calling from. Last contact was today  XXXX / XXXX / XXXX  around  XXXX .
Since approximately 2011 I have had issues with the credit bureau 's.  I attended XXXX XXXX XXXX with loans and grants. I only completed 1/4 of a semester. I requested a statement from the bureau on how this is correct with itemization as with loans and grants not used there is a credit that needs to be applied back. XXXX XXXXXXXX XXXX XXXXXXXX. provided the bureau with signed loan documents however that means nothing when the whole amount was not used. The department failed to provide adequate documents to justify the amount borrowed was used in full in reference to classes taken. That alone is enough to presume that this is fraud by the XXXX XXXX   XXXX XXXX and XXXX XXXX to collect money from loans and grants that was not used in full. This impacted my score greatly, caused money problems in my life, and an issue with my tax money that was owed to me. It was not proven beyond a shadow of a doubt that I owed this.
In  XXXX . 2017, I made a payment towards my Wells Fargo Bank Credit Card of {$320.00}. After that payment, I did not receive any paperwork from Wells Fargo that anything was wrong with my Wells Fargo Credit Card. When I went to make my   XXXX   payment on-line, it said my account had been closed. What is more confusing is that in  XXXX , I received a new credit card for this account. When I called to ask what happened, I did not receive any information. All they would tell me is that it was closed. I demanded to know why. Not until   XXXX   did someone tell me that in  XXXX . when I made the {$320.00} payment, According to Wells Fargo Bank, N.A they claimed that I should have made a {$370.00} payment. Never did I receive paperwork about this or was notified that I did not pay the full amount in  XXXX . When I was told in  XXXX  about why they closed my account, I was then informed that my account would be charged off. My question to them was : " Why was I receiving a new credit card after this account was closed? '' as it did not make any sense to me. Wells Fargo has been sued by the CFPB just last month as it appears that over 68,000 consumers were defrauded in this very same manner by closing my account and then destroying my credit score, and opening another another account, without my permission. ( at a much higher interest rate and including unfavorable terms to me, the consumer. ) They are unwilling to admit that they are complacent in this credit card Fraud scheme, all of which is in violation of the federal law refered to as the Fair Debt Collection and Practices Act.
to whom it may concern i am having a issue with credit report agency innovis not complying with Fair credit Act Codes and Regulations bascliy violating my rights i requested a consumer report i received it i saw things out of place i disputed them online and with a dispute letter requesting the Documents they use to determine that the claim was verified. along with the name and number of the people they spoke to verify the account i have attach supporting documents for my complaint
I obtained a store credit card through XXXX in XXXX 2015. Not knowing the company would no longer be usin TD retaIles as the finance company. On XXXX XXXX I received a letter stating I would no longer be able to use the store card. Had I known this, I would not have opened a card with an XXXX limit and only XXXX spent. I pulled my credit report and the account is reflected as closed and my credit score took a hit as a result. This is unfair and wrong. The account can not be transfered to the new finance company and I would have to re-apply causing my credit to be pulled again. I 'm beyond appalled and upset with XXXX failure to mention this. I would have never opened the account or I would have waited until the new finance company was in place. Please assist or provide advice as to what I can do.
Ive tried many times to resolve these issues in writing and by calls I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and learned my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize some of the charges on this account, and I therefore request that it be delete This account immediately. I also request that XXXX Card absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies.
Institution Information XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, DE XXXX ( XXXX ) XXXX They did a hard inquiry without permission. 

Institution Information US BANK XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX.They did a hard inquiry without permission. 

Institution Information XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. They did a hard inquiry without permission. 

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Dont recgonize this they did a hard inquiry
I purchased a refrigerator and a cooking range from XXXX in XXXX, AZ around XX/XX/XXXX which was charged on a Wells Fargo credit card issued through the retailer. The terms of the finance was Zero interest if full purchase amount was paid within 12 months of purchase which was XX/XX/XXXX ( " Expiration Date '' ). The total purchase price for both appliances was {$2700.00}. 
These appliances were purchased for my new house where I did n't move until XX/XX/XXXX. Due to the various activities involving the move and due to the issues with mail forwarding, I was behind in attending to my mail. As a result I did n't make the payment for the first two cycles on time but did pay them a few days later by phone along with late fees of about {$25.00} each time. I was told that my account is now current and as long as I made the full remaining balance on my account by the Expiration Date, I would no longer pay any interest. In order to ensure no more delays, I scheduled regular payments on my bank 's bill pay system so that payment gets sent each month on time and the full remaining balance is paid before the Expiration Date. Below is the schedule of all payments made : Date AmountXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXTotal Paid $ XXXXPurchase Amt. $ XXXXFees Paid $ ( XXXX ) Wells Fargo however kept carrying a balance of {$10.00} on my account and then charged me interest on it even after the last payment was made on XX/XX/XXXX. When I called them, they corrected the mistake but also closed my account and reported it to the Credit Bureaus as late payment for the month of XX/XX/XXXX. While I made the full payment of {$2700.00} before expiration date and paid them late fees for the first couple missed payments, they have taken the wrongful action of closing my account and making derogatory submission to the credit bureaus, when the underlying cause of this was **their mistake** of having left over fees on my account.
On XX/XX/XXXX I sent a certified letter thru USPS to BullCity Financial requesting validation of an alleged debt in the amount of { {$300.00} } that they are reporting on my credit profile. The certified letter was received on XX/XX/XXXX, at XXXX XXXX USPS tracking number XXXX and as of today XX/XX/XXXX I have not received the requested information and the derogatory item still remains on my credit reports. I have disputed this invalid item several times as it is not my account, and it's erroneous reporting to the Credit Bureau { s }, has a highly negative impact on my personal credit report and is affecting my creditworthiness. I understand that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }, I have the right to dispute their claim and request validation of the alleged debt. I also understand that under the law they had 30 days from receipt of the letter to verify this item and that failure to do so within the 30-day period constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Attached is a copy of the letter that I sent to BullCity Financial Solutions requesting the information that I'm entitled to which I've never received and this along with the inaccurate reporting to my credit file is a direct violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and defamation of character. I am demanding that this negative item be removed and stop reporting to the Credit Bureau { s } immediately.
Williams Rush and Associates as continued to contact me harass me in regards to an account that XXXX sales and lease charged off. I have since then paid the debt with the arbitration company that hired. Williams Rush and Associates are claiming to be attorneys and they have threatened to have me arrested for theft of merchandise and I have told them the debt was settled in which they could see own their end. I believe that XXXX sold all of my accounts to Williams Rush but only provided XXXX account number because they both have provided the same total amount due. then XXXX is who I settled all charges with and they told me I do not owe their client at this time I also shared what was going on with Williams rush and Associates and they asked me to contact the attorney generals office and I did. I do n't think it is fair that these companies and call and disguise themselves as attorneys and leave threats and harassing voicemails on someone 's phone especially when the debt has been settled. then posted the account to my XXXX credit report while XXXX was reporting the accounts as charge offs. They are not right at all and should their business should be shut down.
I am contacting you to resolve and on going issue as it seems to not be given the according attention to finally resolve it. I have written in numerous times filed many various complaints the last one being XXXXand will have to take this up with the better business bureau and FTC as it’s not being corrected . Experian has failed to remove an account who the original creditor XXXX agreed to have it deleted but Experian has NOT YET taken immediate action. I need this account removed from all three major credit reporting agencies as the investigation XXXX conducted stated they would.
all credit reports trans union XXXX XXXX I have requested from all three have never send me an credit report from all three threw annual credit report I have not heard an respone at all my name is XXXX XXXX I have asked them constanly haven't heard nothing I want to file an compliant on all three agencies
Student loans are being reported 6 times, as charged off accounts 3 of them for XXXX 3 of them for XXXX. Totaling over XXXX in charged off accounts that should not be appearing on my credit. I have tried for years between the department of education, and Nelnet to get this fixed, to no avail. Please help get this fixed I am desperate!
Ability Recovery Services debt collection company are trying to obtain double payment from me on the same account by listing them under two separate account numbers when there is only one. I have disputed this with ability and they are not cooperating. The allege I owe XXXX college XXXX. They also posted another account to my credit report saying I owe XXXX college XXXX. I am currently in deferment on a 2 student loans used to cover college expenses they appear on my credit report also. I should not be charged these expenses as my student loans have already covered them. Ability recovery services is reporting inaccurate information and is fraudulently over charging me. I would like these items deleted off my report but they refuse to do so and continue to break law under the fair credit reporting act. Please help me resolve this issue
I sent out certified letters XXXX XXXX, XXXX to each of these companies below to verify that it was in fact me who made these inquiries with verified proof. They neglected to respond and now you are at fault on reporting this unverifiable information. You are required by a Federal law to remove them from my credit report. These are the inquiries in question : Name of Company Date of Inquiry Type of Business XXXX. XXXX/XXXX/XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX The failure on their behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX XXXX, FL Courthouse in order to defend yourself.
My checking accounts at Suntrust Bank here in XXXX, VA were recently subject to bank fraud. On XX/XX/XXXX I received an email there was fraudulent activity on checking account. The attacker used a fake XXXX  account to withdraw small amounts less than {$1.00}. I went into a bank branch and confirmed the activity. They immediately advised me to create a new checking account and move my monies from the old account to a new account.

I was recently subject to the same type of fraud attack on XX/XX/XXXX of my new checking ( XXXX ) that is a month old. A larger amount of {$1500.00} was taken out of my new account. I filed a second claim ( XXXX ) with Suntrust today along with filing a police report ( XXXX ) with the XXXX XXXX, VA Police Department. I would like to have an external resource to investigate this matter to determine if this issue is being caused by an employee of Suntrust. Please feel free to contact me if you have any questions or need ay additional information.
I just received this report from Experian after the last dispute you processed. Before you send it off to Experian, maybe what I am being told by XXXX and XXXX is false, they deleted after last payment was made XXXX years ago? 
This XXXX account was scheduled to be removed and was by both of the other XXXX bureaus. The last payment was just over 7.5 years ago. Experian, they " verified '' it but still leave it on. Experian pay history is correct, last payment was XXXX 2008. What tools or laws do I have to enforce them to delete this XXXX account? Maybe they do n't understand what they are doing? XXXX and XXXX have put in a solid effort to correct my report, Experian, well see for yourself. If want to bother them again, it 's appreciated. I just wish there was a system that we could fine them for not doing their job, like {$500.00} for each violation, just enough to get their attention.
XXXX offered cable/internet services for my home. We were told that we had 90 days to cancel the account if we were unsatisfied with the service. We had many issues regarding the service to our home. While it was getting close to the 90 days for cancellation, we were promised that the issues would be resolved. We spoke with many representatives and when we complained repeatedly that the issues were not getting resolved, we were told that the 90 days would not be in effect since we were still unsatisfied. After about 100 days, we finally cancelled the service because the customer service was so poor. 

After cancelling service and returning the equipment to XXXX, we received a bill from XXXX for the service. I called XXXX to complain but was told that it was after the 90 days. Now, years later, this is still affecting my credit report.
On XX/XX/XXXX, I received my Wells Fargo Class action settlement claimant number. 
On XX/XX/XXXX, I was notified I could then file my claim online via their website www.wfsettlement.com using the code I had received previously. When I visited their site and entered my claimant number and ( email address or/and last 4 of SS # ), and Captcha, the site either rejected my request either because of the captcha or because of the information entered. This rejection alternated rather randomly, despite the same information being entered ( only the captcha changed ).  It really seems like their site does not work for claiming the settlement money.
The principal amount owed on my mortgage is {$190000.00}. The original appraised value of the home was {$250000.00}. I am still being charged for PMI each month even though my principal is below 78 % of the original appraised value. I called Seterus in XX/XX/XXXX and they told me that I would no longer be charged for PMI as of my XX/XX/XXXX statement. I was charged for XX/XX/XXXX and my XX/XX/XXXX statement shows that I am still being billed for PMI.
I have been left as a victim of identity theft. Someone has been using my ID/Social/Drivers license to take out loans and credit cards. I have been trying desperately to let these companies know about my situation but there is XXXX company that refuses to take any of my claims seriously. I was traveling around the world as a drummer for my band for a little over a year. Someone that looks like me was using my identity and my home to commit fraud. Alphera Financial Services was XXXX targeted lender. They granted this thief an auto loan in my name and refuse to send me any proof of their investigation. They do not accept my calls since I ask I record them as well as I will not speak to them on a recorded line if they can not grant me the same privilege. They will not send me proof through mail. I can not get this company to mail me proof or speak to me. This company MUST adhere to FCRA and send me the proof I am requesting!
I do not have specific dates but I have asked them numerourous time not to call my place of employment. The consistently continue to do so. Even whe my payment is less than 30 days late