WillisBack/dataset-financial-user-claim huggingface dataset:
Cavalry portfolio services a debt collector bought the debt from XXXX on XXXX which was to drop of my credit report onXX/XX/XXXX XXXX is no longer on my credit report. Cavalry Portfolio Services remain  and is scheduled to remain until XX/XX/XXXX.They have called friends in Ohio my XXXX job. I need them to removed. The account # XXXX There address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I live in XXXX XXXX. My email is XXXX
As a result of a credit bureau dispute submitted in XX/XX/XXXX, XXXX XXXX has retaliated by marking the account as FP " Failed to Pay '' in XX/XX/XXXX. This is incorrect, as XXXX XXXX sold the account to another collection agency years prior, I believe in XXXX. No indicators for Failed to Pay following this date would be correct. This was blatant retaliation for my submission of a dispute and they should be held accountable. 

Further, during said dispute, XXXX XXXX failed to update the tradeline to indicate that the information was disputed. This is a clear violation of FCRA and I fully intend to file suit for the {$1000.00} damages if this not resolved.
XXXX XXXX, 2017 Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against XXXX XXXX XXXX, XXXX, XXXX, Equifax. <P/>For the last 2 months I have filed more than 2 disputes against XXXX XXXX XXXX, reporting of my car loan balance and as of this 60+ day mark the issue has not been resolved. <P/>I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX XXXX to date. Today I received another letter from XXXX stating that XXXX XXXX XXXX has properly investigated my balance and is still reporting my balance as {$19000.00} since XXXX 2017 ( recently updated in XXXX the same balance. I also received an alert from XXXX that my balance is {$19000.00} and has been so since XXXX, 2017 I continue to send the same documentation to the XXXX, XXXX and Equifax ; I have called XXXX XXXX XXXX and the representative was clear that my balance is not {$19000.00} as being reported by the company to the credit bureaus and the credit bureaus are not reviewing the documentation as they are supposed to. Enclosed I have copies of my auto loan statements from XXXX, XXXX and XXXX as you can see the statement dates are the XXXX of the month and no not show a balance of {$19000.00}. According to the FCRA I have a right to an accurate credit report and this is not accurate. If the credit bureaus refuse to report the information properly then I have a right to damages for non reinvestigation. <P/>I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. <P/>Thank you for your assistance. <P/>Sincerely, XXXX XXXX
The following inquiry is showing on my  XXXX  Credit Report. I reached out to the business who stated they can not remove this inquiry and that I should contact  XXXX  directly to remove.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ  XXXX
I had problems " making on-time payments '' due to a very " Bad Divorce '' which led to a difficult Financial problem, as a result, NISSAN-XXXX XXXXXXXX has reported " Negative Reporting - Late Payments '' which has and is currently damaging my credit reports. 

But now things have turned around for me financially, I have made ( " Extra Payments in XXXX XXXX and XX/XX/XXXX ' and caught up with ALL my car monthly note payments and have kept on being Current on my monthly payments ). And, because of my hard work to improve my credit with them and consistent monthly payment as well as my future plan to build and request more credit from NISSAN-XXXX XXXX I had called in several times to Customer Service to ask if they can please work with me by " Removing the Negative Late Payment Reporting on my Credit Reports '' but unfortunately the Customer Service of NISSAN-XXXX XXXX has declined my request even though I was told by a rep in the past that if I catch all my payments and make consistent payments that my late payment history will be forgiven. So, as noted above I kept calling and calling but I kept getting passed around on the phone with absolutely no result or remedy to my situation. 

Furthermore, NISSAN-XXXX XXXX is reporting that my " Payments are Late '' from ( XX/XX/XXXX - XX/XX/XXXX ) in All 3- Credit Bureaus which is NOT correct nor consistent, because I have doubled up to catch up any lates that occurred and made all of my payments on-time so I will not be late.
I purchase a  70  inch TV from hhgreg I paid as agreed until the balunce was at  XXXX  and I got a warranty with the TV well the TV screen out and they did n't want to honor the warranty I am a mother of  XXXX  kids and I had a warranty until the TV was paid in full and they was talking crazy to me every time I was asking them about the warranty for my TV I would get the run arounds and and 3 year later they tying to collect
In XX/XX/2018, I sent a letter to XXXX concerning payment for a debt. I requested them to remove this debt amongst all the credit bureau 's if I paid off my entire amount. They responded and said yes they will. On XX/XX/2018, I spoke with a representative named Ms. XXXX. I again asked her if they would removed this debt if I paid, she said she would submit my request to a supervisor and for me to call back. I called back not too long after, and they again stated they would remove this debt completely off of my credit report. Up until XX/XX/2018, this debt has NOT been removed as stated.
I was one day late on a payment. The bill was due on the XXXX. I called on the XXXX and the rep said to call once the fee was applied and I can request it to be waved. I called today the XXXX, and asked if they could wave the fee. I explained how I have all my cards on automatic payment and this late payment was unintentional. I also explained I went online to set up automatic payments so it wont happen again. I was told by the rep that the fee was applied and is not eligible to be waved. Then I was told they have options on the mobile app to avoid this in be future. Their mobile app however, doesnt make it possible to set up automatic payment. You have to login on your PC. They do not send any notification to remind you of your upcoming payment. It seems like they set me up for a {$25.00} dollar fee and lied saying I can request it to be removed, knowing its not eligible according to their policy. In an era where everything is done on a smartphone they make it difficult to pay a bill. Then their fee is the same amount as what my monthly payment is. So I am being doubled charged.
In XX/XX/2015 i brought a pontiac XXXX from u.s.a auto finance, for $ XXXX with a very high entrance rate that brought the total to just about $ XXXX. ever sense i brought the car it have been giving me issues, i had to take the car to get fixed over 5 times within the first month of purchasing the car. The XXXX told me after a year i can take the car back and refinance, so once that year came i tried to return the car and he told me that he 's sorry but they have been brought out by another company and i have to keep the car for another year! Mind you I 'm paying $ XXXX - $ XXXX for a 2006 car smh. I 've been suffering on making this payment on this very high priced vehicle. its ridiculous! i tried once again to return the car and they told me to pay more off before returning the vehicle, i can not and will not continue paying on this car! I 'm in desperate need of help. Now that I 'm forced to return this car, will also effect my credit score. help is defiantly needed at this moment.
Called on XXXX/XXXX/16 for a payoff amount on XXXX loans serviced by XXXX and was quoted an amount which I paid that day. Payment was posted XXXX/XXXX/16. Called back to verify that loans were closed and was informed that XXXX loans were still open. The loans that were open were the loans with the highest interest rate. Billing statements had a preprinted notice that any additional amount paid would go to the highest interest accounts first. Called back to ask about why loans were still open and was told that XXXX loans were over paid. Had I NOT called and asked, I would have had XXXX opens that were open with the highest interest. I should not have had to call and make this correction because of your poor systems.
Dear Sir or Madam:I recently obtained a copy of my credit report from all the 3 credit bureaus and found the following item to be in error:XXXX Account number: XXXXCredit Card Issuer:XXXX XXXX XXXXXXXX, DE XXXXThis account was never late and account was closed and settled and has been paid in full. XXXX never sent any statements or notification letter in mail to my address but reporting inaccurate information's to the credit bureaus. Had been calling XXXX multiple times and mailed multiple letters to correct the error and they continue to fail to comply and remove the inaccurate information's. I am requesting that the item be updated to correct the information.Please investigate this matter and correct the disputed item as soon as possible.Sincerely,XXXX XXXX
On XX/XX/ their records indicate a payment of {$62.00} for Mortgage Insurance ( PMI ) for a due date of XX/XX/. In addition, on XX/XX/ their records indicate a payment of {$300.00} for Mortgage Insurance ( PMI ) for a due date of XX/XX/. The amount due on a monthly basis is {$300.00}. The {$62.00} payment amount should be refunded to my escrow account as an erroneous payment on their behalf. 

Please apply the over payment of {$62.00} to my escrow account ASAP.
I have a Kohl 's charge account. 

I added my checking account information to their online system and it shows as verified. I initiated an online payment for my minimum amount due on XX/XX/2016. Kohl 's never attempted to withdraw the payment from my bank. My bank account records confirm this fact. On XX/XX/XXXX, I was charged a return check charge and the payment was reversed. 

I verified on my account page that my routing info is entered correctly. The system only allows you to see the last XXXX digits of your bank account, but I also confirmed that. Further, I confirmed the account number by entering it XXXX when initially adding the checking account on the Kohl 's website. 

Kohl 's erroneously failed to submit my payment to my bank correctly and then charged me a returned check fee. However, there were sufficient funds in my account at the time I submitted the payment and I provided Kohls with accurate routing and checking account number information. 

Upon a cursory XXXX search, I found that I am not the first person that this or something similar has happened to and that Kohls is engaged in a pattern of this behavior in order to collect extra late fees and reverse check fees from customers who pay their accounts diligently and on time. 

I will pay the balance of the Kohl 's charge in store to avoid any further incidents of this sort.
Never lived at the address XXXX XXXX XXXX XXXX NJ XXXX. Never had the phone number XXXX. The correct phone number is XXXX
THIS ACCOUNT WAS INCLUDED IN A CHATER XXXX THAT WAS CONVERTED INTO A CHAPTER XXXX. THIS COMPANY CONTINUES TO TRY AND CONTACT ME AND HAS PLACE THE ACCOUNT ON MY CREDIT REPORT. BK XXXX
XXXX XXXX XXXX {$280.00} and XXXX XXXX XXXX {$420.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
I have been dealing with Bank of America, only to be told lie after lie. First off, I had to have a packet notarized and sent back to them, it came without a prepaid envelope. I requested that one be sent to me for weeks.  One  never came so I paid for the return of the packet after I spoke to the account manager. He told me I would be reimbursed. Today he stated he does n't know if the packet ever got there. I stated I paid {$30.00} to return the packet. He now states he never said I would be reimbursed. He will look into it. It was sent 2 day delivery on  XXXX   XXXX ,  XXXX . Today is  XXXX   XXXX ,  XXXX .   I had a loan forbearance in  XXXX . I thought for some reason it was a modification. This was entirely my mistake. I made the forbearance payments in  XXXX  and  XXXX   XXXX .  XXXX   XXXX  when I tried to make a payment I was told I was in foreclosure so I was forbidden from making any payments, unless I paid the entire overdue amount. Today he said I was in foreclosure but asked if I wanted to make a payment?. I asked how that was possible if I was in foreclosure and he said I was n't. I hope they tape these conversations. He said I was taken out of foreclosure due to a new MA state law. He stated I could have been making payments all along. I talk to this man every week  ( me calling him )  and he never once told me that. All this time I could have been making payments but was never allowed because when I tried I was told I was in foreclosure. He also said to make a payment right away because the law could change any minute and I could go right back into foreclosure. I feel I am getting the run around on anything that has to do with Bank of America, from simple documents to being told I 'm in foreclosure to not being in foreclosure. But most of all not being allowed to make mortgage payments!!! When my forbearance was about to expire in   XXXX   XXXX   my account manager should have reached out to me to see what our next step was going to be for the continuation of the mortgage.
IVE Been fighting this presumed debt since XXXX, ive called the bank over 20 times trying to resolve this matter, the XXXX on XXXX has a debt of XXXX from " XXXX '' which at the time my business account had a XXXX, they claim a debit was made, and i keep asking them how can a debit process with a XXXX?? they can not answer, furthermore their fraud department will not let me file a fraud claim because i dont have my debit card # from XXXX? this is crazy!!! i did also send them a letter asking for " validation '' of debt, they sent me a statement 3 months later, a statement is not " validation '' and i dont know who is stupid enough to buy a XXXX battery???!!! i have went round and round with supervisors and representatives and im sick of it, i do have letters i sent i will have to find them. this alledged debt is from XXXX, and they refuse to remove it and THEY CAN NOT PROVE its mine, its clearly a computer error, i never been to any XXXX, i repair my own truck as i am 12 year XXXX from XXXX THIS IS UNLAWFUL CRIMINAL ACTIVITY by XXXX
I have a Bank of America cash rewards credit card. I maxed our my credit limit ( {$1500.00} out of XXXX ) and missed a payment on XX/XX/XXXX. I recently have gone through financial hardship and been trying my best to pay all my payments on time. My Step Father is a XXXX XXXX and he had to quit his job due to XXXX  on his feet, XXXX, XXXX XXXX, and XXXX XXXX XXXX. He's not in a healthy physical condition to work for the rest of his life. Now it's my job to take his place. I'm only XXXX years old and I'm taking care of my family, paying bills, working, and running a business all at the same time. However, I got a new job ( XXXX ) with a company ( XXXX XXXX ) that's paying me XXXX/hour and now I'm financially stable. I've had 1 year, 1 month of on time payments with Bank of America would you guys be able to forgive me and allow me to show you that I am a responsible person this was just unfortunate. This will be my first and last negative remark on my credit card from now on. I'm going to pay off my credit card this week so by next month I'm back to square one. Thank you for understanding.
This is a add on to a complaint I already put in on XXXX XXXX,2017 complaint XXXX about AQUA FINANCE, INC.. 

I had put in this prior complaint and was surprised and thought great customer service since I received a call the next day on XX/XX/XXXX from a " XXXX '' who was in management ( called from a unknown number ) and she apologized over and over how Aqua Finance was wrong in this whole process with me, all representatives/Managers I spoke to all stated I was late/past due and that was incorrect regarding my account, which I am very upset about if I did not know my laws and or rights then that would of been it. XXXX explained how all of this was " bad training and they will look into this '' and how she wanted to move forward with the process of loan I agreed she stated she will make notes and forward all my info to the head guy in financing and I will get a return phone call. Well go figure .... it is now 8 days later and no returned phone call or any emails etc..I have no idea if I was approved, denied, nothing! I am so frustrated with this process especially how I feel I was told I was denied original on the prior claim which is NOT correct and in my eyes a " False Statement '' from the Finance Company this is very unprofessional and agian I am highly frustrated due to now allowing them to move forward and fix the problem they have made the situation worse and once again misleading information by having someone contact me back ( after pulling my credit ) and NO ONE can communicate with me in regards to the loan process, I have no call back number for this XXXX and I do not want to even call customer service do to the prior complaint and I was mislead/lied to by all the managers ... .this is the MOST horrible experience I have been through when applying for a loan, especially frustrating that I have a existing loan which is in good standing so I have a relationship with this company already.I need to know what I can do about this i feel like I have false denial statements ( original complaint ) and now this company has pulled my credit and no phone calls back to me ... .I am ANGRY!!!!!
I have requested numerous times from Experian to update my credit report with the correct file and I have not been successful. I keep getting the run around. I have provided documents showing a name change and they have not updated any of those information. My old name is   XXXX   XXXX   and it has been changed to    XXXX   XXXX   XXXX   XXXX  . I have also requested for any old addresses to be deleted in   vain. Please see attached a copy of my passport, a copy of my driver license with the correct address, a copy of my Social Security Card and a bill showing my current and only address that should be showing in my credit report. I have also attached a copy of the court order showing my name changed.
Hello. I am submitting a complaint about Navy Federal Credit Union. I was XXXX majority of last year and was highly unable to handle my credit card bills due to bad bandwidth and our location restricted me from having internet access. I was unable to pay my bill so they ended up closing my account with sending me any notices, along with closing my account with them. Now I am paying on a credit card that is supposedly closed but I am still paying on it. I would like the late payments removed or the entire credit card reopen. if not, removed entirely. I never received any notices while underway.
I deposited XXXX loan check through XXXX XXXX Texas Bank of America atm for {$1000.00}. The check was put on hold and Im unable to access money. The day of XX/XX/XXXX. The hold states it will be released the day of XX/XX/XXXX. This is unacceptable as I have pending bills. I would like to submit complaint on this hold procedures for Bank of America and will be searching for another financial institution.
Chase  is deliberately manipulating transactions so they can collect insufficient fund fees. My apartment complex is always slow in depositing my rent check, So I watch very closely when it is removed from my account. As of last night  XXXX   XXXX  the check had n't cleared yet. I get paid by direct deposit. Today  XXXX   XXXX . This morning I hav e 2 i nsufficient fund fees. One transaction was there and had cleared no problem. If this check was " in my account during the business day '' as they claim I would not have been able to fund a bill off their bill pay site at  XXXX  that  XXXX . Nor would I have paid another bill because my account was low. Additionally earlier that day I stopped by the ATM checked balance and everything was fine. I would not have taken money out if they check was there. They have done this in the past and refunded the fees without a problem. Once they caught it on their own and reversed the fees. Second time I had to request it. Their claim is I have already been reached the maximum refund allowed. They always do this right when they know I get paid the next day. Tired of it.
Please remove these fraudulent accounts, I didn't open these, nor did I benefit in anyway from them. I'm not sure how these accounts were opened. I did receive mail at previous addresses but now I've prevented that. I also received notice from XXXX in XX/XX/2017 that my information was exposed in the breach. I've mailed in letters before but didn't send them certified, so when I called XXXX  and XXXX  the reps who were from outside of the USA had no idea of what documents I was refereeing to. See attached.
This report is for NAVIENT student loan service.They keep attacking my credit after I have been making regular monthly payments.I am pay {$23.00} dollars over my agreed amount and still my balance is increasing.Navient is a fraudulent company and should be shut down.They are fraudulently charging customers interest to increase XXXX XXXX 's bonuses.This man and his staff should all be jailed.
This debt was included in a Chapter XXXX BK XXXX filing. This has been addressed by the CFPB previously and the collection agency stated they would stop all collections and remove debt from my credit report. This debt has now been added back to by credit report and the collection calls has returned.
Hi my name is XXXX XXXX and there are fraudulent credit inquiries on my credit reports that I have contacted the credit bureaus about before but it looks as if the companies told me they remove them but actually didn't. I am requesting that all credit inquiries that I have listed be removed off my credit file as I have been a victim of identity theft since XXXX at which point my ex husband was deported for using my identity as well as my sons. Please remove the following credit inquires as they do not belong to me XXXX and XXXX XXXX  also there are addresses listed on my XXXX report and equifax report that are fraudulent that I have never lived at which at XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX which are all fraud never lived there so please remove these fraudulent addresses. Also equifax is not reporting my job which I have been with since XXXX which is XXXX XXXX XXXX XXXX which needs to be reported as future creditors need to know that I have a stable job. This whole ordeal is draining me physically and emotionally I just want the credit score that I deserve. I always pay me bills on time being XXXX and having a XXXX child and being a victim of domestic XXXX and identity theft please raise my score to the appropriate rating because what's being done to me is unfair.