WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I had filed a dispute with TransUion in regards to a fraudulent account open in my name on XX/XX/XXXXwith a company called XXXX XXXX, the debt owed is XXXX, the said account was handed over to XXXX XXXX As a result of the completion of the dispute it was denied as to clear off my report by TransUion. I have never did any business with a XXXX XXXX nor did I give anyone else authority to do so. I believe to be a victim of identity thief. I noticed several inaccuratcies and incomplete information in my credit file as to leave my beliefs void.
TWO YEARS IN A ROW ALL THREE REPORTING AGENCIES HAVE GIVEN ME THE RUN AROUND ONLINE..TRANSUNION AND XXXX SAY I HAVE ALREADY RECEIVED MY FREE REPORT ( WHICH I HAVE NOT ) AND XXXX SAYING I HAVE TO MAIL IN MY REQUEST, WHICH IS BECAUSE NONE OF THE SECURITY ANSWERS WERE CORRECT ABOUT ME .. I HAD TO ANSWER " NONE OF THE ABOVE " TO ALL ANSWERS ... I BELEIVE ITS ALL ON PURPOSE BECAUSE WE CAN DISPUTE EVERYTHING ONLINE AND IF WE HAVE TO MAIL IN A REQUEST OR PAY FOR IT PEOPLE WILL NOT PROCEED WITH THE DISPUTES OR WE WILL HAVE TO PAY FOR THE REPORTS AND THEY CAN GET OUT OF GIVING US OUR REPORTS FREE AS PER FEDERAL LAW..
My wallet was stolen from my vehicle in XXXX XXXX, TX on the evening of XXXX XXXX. The following morning my card was used by the thief to the tune of {$1500.00}. Bank of America was alerted the same business day about the theft and issued a temporary credit to my account. The claim was not created by Bank of America until 3 days later on XXXX XXXX despite their being notified on XXXX XXXX. The XXXX XXXX Police Department were also alerted on the XXXX, XXXX XXXX. XXXX. Bank of America is now claiming that they are removing the entirety of their credit which is in violation of their {$0.00} liability guarantee and the {$50.00} liability limit instituted by the Federal Government. Bank of America will not answer our calls or provide any assistance in our dispute of their new findings.
WELLS FARGO DEALER SERVICES IS REPORTING A PAID OFF LOAN AS PAST DUE NOW FOR 24+ MONTHS TO ALL XXXX CREDIT BUREAUS - FILED A BOGUS BK XXXX CHAPTER XXXX CLAIM - COLLECTED PAYMENT EVEN ON A DEBT EVEN THAT IS NON EXISTENT - CONTINUES TO VALIDATE A DEBT WHEN DISPUTED WITH EACH CREDIT BEAUREA VIA ONLINE DISPUTE PROCESS AS I POSSES VEHICLE TITLE SHOWING NO LIEN HOLDER, MY INSURANCE COMPANY HAD PAID THE LOAN OFF IN FULL BACK IN XX/XX/XXXX, I HAVE PROOF OF THE CLAIM FROM MY INSURANCE COMPANY OF THE CHECK NUMBER WELLS FARGO DEALER SERVICES RECEIVED, THE DOLLAR AMOUNT OF THE CHECK THEY RECEIVED, THE CHECK NUMBER, WHEN IT WAS CASHED, THE PAYOFF AMOUNT, ALTHOUGH WELLS FARGO RELEASED THE TITLE AND IS NO LONGER A SECURED LIEN HOLDER, HAS NO LOAN AND HAS FULL PAYMENT, THEY REFUSE TO FIX AND CORRECT MY CREDIT REPORTS AND CONTINUE TO REPORT A BOGUS PAST DUE AMOUNT ON A CHARGED OFF LOAN THAT WAS PAID OFF IN 2011 WHICH IS AND HAS RUINED MY CREDIT AND ABILITY TO OBTAIN CREDIT SINCE XX/XX/XXXX, AND I HAVE ATTEMPTED TO CORRECT IT THROUGH FORMAL BUREAU DISPUTES YET THE CREDIT BUREAUS CLAIM THE AMOUNT IS VALIDATED SOMEHOW REFUSE TO SEND ME PROOF OF HOW IT IS VALIDATED, WELLS FARGO EVEN CLAIMED A BANKRUPTCY CLAIM ON MY CHAPTER XXXX FILING BETWEEN XX/XX/XXXX-XX/XX/XXXX COLLECTING PAYMENTS ON A NON EXISTENT LOAN - I HAVE CALLED WELLS FARGO REPEATEDLY GETTING HUNG UP ON - TOLD A MANAGER WILL CALL BACK ON THIS PILOT PROJECT - I NEVER GET A CALL BACK - IT 'S BEEN FIVE YEARS - I AM REPEATEDLY GIVEN THE RUN AROUND THIS IS ILLEGAL - I HAD ADDITIONAL GAP COVERAGE ON TOP OF THE COMP INSURANCE CLAIM THEY REC 'D FULL PAYMENT ON TO PAY OFF THE CAR IN FULL. I NEVER REC 'D A DIME FROM THE GAP POLICY. I SHOULD HAVE REC 'D PAYMENT WHICH I DID NOT. IF ANYONE IS OWED MONEY BACK IT IS ME, NOT THEM. THEY CAN NOT REPORT A BALANCE ON A LOAN FULLY PAID AFTER 5 YEARS, WHY ARE THEY ABLE TO DO THIS. THEY ARE AND HAVE RUINED MY CREDIT FOR YEARS AFTER A LOAN IS FULLY PAID THIS IS COMPLETELY AND UTTERLY IRRESPONSIBLE WHEN THEY HAVE MADE MY CREDIT SCORE BEYOND REPAIR AND NEARLY IMPOSSIBLE TO ESTABLISH ANYTHING ABOVE XXXX ALL WHEN I DO NOT EVEN OWE THE DEBT AND THE BUREAUS ARE SOMEHOW WORKING WITH THEM TO VALIDATE DEBT THAT DOES NOT EVEN EXIST.
XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  New name for  XXXX   XXXX  but it triggered a lower credit score
My name is XXXX XXXX. I applied for a mortgage refinance recently and was sent a copy of my credit report and noticed that my credit score had gone down and that there was one negative fraudulent report for a Chase Credit card that said the account was closed and there was a charge off because of no payment with 2 amounts of Balance {$280.00} and Past Due of {$230.00}. I have never had a Chase credit card and any charges associated with this account are not mine. 

I called over a month ago and inquired about the account and they said they would send me a copy of all transactions associated with the account. When I was on the phone they had an address XXXX XXXX XXXX XXXX / XXXX, TX which I have n't lived at since XXXX. Date the account was opened XXXX/XXXX/XXXX and date Chase reported to credit reporting agencies was XXXX/XXXX/XXXX. As of today I still have n't received anything in the mail and I gave them my current address of XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX, Utah XXXX. I tried to get connected to a supervisor or manager which I was denied. I called again today and requested information again. The card number with the fraudulent charges is XXXX. XXXX XXXX / XXXX. XXXX XXXX / XXXX, DE. XXXX / XXXX. 

Any help would be greatly appreciated and I would just like talk to a manager or supervisor with Chase to get this resolved. My phone number is XXXX or email is XXXXXXXXXXXX Thank You
I used to have multiple TEACH grants that I was able to retain as long as I annually provided the servicer with proof of my continued employment as a XXXX following my graduation from XXXX University. Without providing this paperwork as proof, my grants would convert to loans. XX/XX/XXXX, after a full year of teaching, I submitted the required paperwork via fax, as more contemporary methods like email were not an option provided by the servicer. I received an email confirmation that the fax had been received later that same day. 

Fast forward to XX/XX/XXXX. My husband noticed in my FedLoan account that we had a higher loan total than before. My grants had been converted to loans without any notification. I immediately called FedLoan to find out what had happened. They explained that XXXX page of my fax did not go through, and without that XXXX page they considered my grant renewal paperwork incomplete. 

I was not contacted by FedLoan by phone even once to explain that the fax had n't completely been received. A letter eventually came in the mail stating that my grants had been converted to loans, but no sincere warning was ever given. 

After combing through old emails, I eventually found one from FedLoan stating that I had a message in my account- the exact same message sent when you have a new account statement available. I rarely, if ever, checked my account statements right away, so naturally I did not sign in immediately to read the message that my fax had n't gone through. This email message was sent with absolutely no indication of any urgency, and was of course not followed up by FedLoan with any kind of phone call, follow-up email, or email to my backup email address listed in my account. 

No one from FedLoan ever made any sincere effort to notify me that the fax had n't fully gone through, and that as a result I would be incurring an additional {$10000.00} of student loan debt. It is my belief that without actual notice of a problem, there can be no lawful conversion of her grant to a loan. I have fought this for nearly a year since, and FedLoan refuses to reverse the decision and convert the loans back to grants. It 's almost like FedLoan went out of their way to avoid notifying me of the mistake in an effort to turn a liability into added revenue.
Filed a complaint with the BBB against XXXX for reporting a chapter XXXX bankruptcy on credit report without supplying proof, I 've sent a letter from the courts stating they do not verify bankruptcies, they keep stating they verified with XXXX XXXX who keeps stating the same. After filing complaint with the BBB  XXXX claims that they are not reporting a chapter XXXX bankruptcy on my credit report. Its been over a month and it is still showing on my report.
I have been back and forth with this company and finally resolved the issue ... yet again the irroneous information has been added back and they have tripled the accounts by that I mean they are reporting two and three times to total a whopping 39 IVE DISPUTED AND SUBMITTED EVIDENCE SHOWING THESE ARE  NOT MINE ... they kept switching names and addresses and the fair credit reporting laws states that inaccurate information must be deleted permanently to not reappear at the report agencies convenience .... they reinserted with no knowledge or warning giving and these ARE NOT MINE!!! I ask that any and all accounts from XXXX XXXX AND XXXX XXXX BE PERMANENTLY DELETED PER information sent by equifax and XXXX saying they would be ... equifax kept sending me pending results then completion projected dates knowing they VIOLATED MY RIGHTS as to timely due process and THEY DISREGARDED ALL LETTERS I SENT FROM THE SAID COMPANY SAYING THEY WOULD DELETE BECAUSE THEY COULD NOT VERIFY ANYTHING
A family member, one of my sisters, told me of a company called Vance & Huffman had been calling her daily and leaving voice mails stating they needed to get a hold of me for me to fill out paperwork. My family member finally was able to answer one of their calls to try and end their constant contact, she was at work when they called and unable to answer her phone. They again told her I had paperwork with them that needed to be finished but refused to state anything further when she questioned them. 

I researched this company online and found they have numerous complaints against them via the XXXX. Some other reports I found state they use phishing techniques to gather confidential personal information. 

I received a letter from Vance & Huffman stating they purchased my XXXX XXXX XXXX account and I owe them {$670.00} and if I do not reply in 30 days they will assume the debt is valid. 

I had run my credit report on XXXX/XXXX/2016 and the account they are claiming does not exist. I did have a XXXX charge card years ago and it has been off of my credit report for 2 - 3 years now, it was paid and closed. After researching this company I am leery contacting them via a phone call since they would now have my phone number, demanding money for an account that does not exist is why I am contacting you, I doubt my phone call would do any good in resolving this issue, I obviously want to avoid this company having any more information on me as possible.
In XX/XX/2018 I called the Mortgage company to help with the setup of my online account profile and to establish the automatic payment on my account. I later found out in XXXX that the autopayment that was supposed to be setup by the mortgage company failed. As a result, a mortgage payment was missed. I was not informed that the autopayment did not process and was only notified by the mortgage company after the payment was 30 days late and they proceeded to start collections. After receipt of a letter from the mortgage company of the nonpayment, I immediately brought the loan current and asked the company to review the customer service calls that I placed to establish the autopayment, but they did not and I further asked that after review that they remove the negative remark from my credit report - due to the fact that the mortgage company employee that setup the autopayment failed to successfully setup the autopayment on my account. I have acted in good faith to try to resolve this with the company, but an unable to seek a resolution of for the company to acknowledge the customer service phone call that was made to establish the autopayment. As a result of the refusal to review the call logs my credit has been negatively affected and I am unable to obtain credit.
A newly opened collections account on my credit report appeared by this company as of last month without my knowledge. I never received anything by mail, telephone or email regarding this. I sent them an email to attempt to get a Validation of Debt Letter sent to me and while searching and investigating the company online, seen they are notorious for not responding to consumer requests on these types of issue 's.
Original Complaint - " The Original Creditor ( XXXX XXXX ) closed the account of {$1700.00}. An unauthorized account was opened by FAIR COLLECTIONS AND OUTSOURCING INCORPORATED on XX/XX/XXXX.Nothing is due to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED because I never agreed to a contract with them. '' On XX/XX/XXXX, FAIR COLLECTIONS AND OUTSOURCING INCORPORATED was contacted in regards to an account opened which includes XXXX XXXX XXXX. That was the first contact to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED with a remedy, of closing the account and contacting the credit bureaus, that FAIR COLLECTIONS AND OUTSOURCING INCORPORATED works with to have that account removed from XXXX XXXX XXXX credit report. 

FAIR COLLECTIONS AND OUTSOURCING INCORPORATED responded to XXXX XXXX XXXX complaint on XX/XX/XXXX, " The account was assigned to our office on XX/XX/XXXX from creditor XXXX XXXX / XXXX XXXX XXXX & XXXX. Creditor maintains ownership of the account. Our office is a third party retained by the creditor to attempt to collect on their account. The debt is owed to the creditor. '' This is my second contact to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED in an attempt to give FAIR COLLECTIONS AND OUTSOURCING INCORPORATED a chance to remedy this problem. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX XXXX XXXX then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( FCRA ) * Violation of the FDCPA * Defamation of character As indicated above, FAIR COLLECTIONS AND OUTSOURCING INCORPORATED is a " third-party '' that collects on behalf of their client, XXXX XXXX / XXXX XXXX XXXX & XXXX ; thus, XXXX XXXX XXXX ' contract would not be with FAIR COLLECTIONS AND OUTSOURCING INCORPORATED, but with XXXX XXXX / XXXX XXXX XXXX & XXXX.
The name of the collection agency is listed under all 3 credit bureaus but they have not verified the debt
On XX/XX/2018 I was alerted by my XXXX XXXX fraud alert that Capital One requested my credit report without my consent or knowledge. 

I sent Capital One a validation letter under FRCA section 609.
On XX/XX/XXXXvia my credit monitoring service I discovered XXXX XXXX Account # XXXX had been re-inserted into my credit file. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Per my report number XXXX it does not reflect the previously deleted account so why on earth would you re-insert this account without notifying me
on XX/XX/XXXX I made a payment. I expected the payment to be applied to my balance with a 0 % APR that expires on XX/XX/XXXX. At the time, I had three promotional balances. One at 0 % APR expiring on XX/XX/XXXX, one at 0 % APR expiring on XX/XX/XXXX, and one at 3.99 % expiring on XX/XX/XXXX. 

I expected my payment on XX/XX/XXXX of {$3300.00} to go towards the promotional rate expiring on XXXX XXXX, XXXX. But it was instead applied towards the balance with a 3.99 % rate. I called Sears credit card customer service, and they informed me that the payment is always applied towards the highest interest rate. So I did research, and I found several articles stating that the CARD Act requires payments to be applied to the highest APR first, then towards the remaining balances. But I read that the last two payment before the expiration of the promotional rate would be applied to the expiring balance. 

So on XX/XX/XXXX I made a payment {$3300.00} expecting the payment applied towards the promotional rate expiring on XX/XX/XXXX. But when the payment was applied, it went towards the promotional rate expiring on XX/XX/XXXX. 

I again called Sears Customer service, credit card is issued by Citi Bank, and again the representative told me the payment is applied towards the highest interest rate first. I was unhappy, and I requested to speak with a manager. The manager came on the line and I explained that I wanted to apply my last payment towards the expiring promotional balance. The manager, told me the same thing that the payment is applied to the highest rate due to the law. He said my balance was not a promotional balance, but a balance transfer, so the payment would apply to the highest APR balance. He kept emphasizing that I had balance transfers and not a promotional balance. But when I check my account online, it is clearly described as a promotional balance. 

By not applying it towards the expiring APR balance, the interest rate will jump to the standard interest rate will be 26.74 %. The manager explained that I could have waiting for the expiration date to pass and then my payments would have been applied to the balances I wanted. But this is not right. I want to apply the payments to the expiring promotional balances. 

I've recorded the call, and I have screen captures of my account clearly stating that these are promotional balances. 

I have already informed the manager that I will pay off the balance and cancel the credit card.
Again did not recieve letter with rights to validate debt. Violates the FDCPA.
In correspondence dated XXXX XXXX, 2017, I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either. Furthermore, I sent them another dispute letter ( see attached ) last XX/XX/XXXX listed the item I have been disputing. According to the NATIONAL CONSUMER ASSISTANCE PROGRAM, there should be a citation of the consumer 's SSN and DOB on these items. This is not the case, making these items unverifiable.
I obtained a Home Depot Project Loan card through XXXX Financial in XX/XX/2016. The loan was interest only for XXXX months, then balance would convert to a fixed payment for XXXX months at XXXX %. The XXXX month 's invoice dated XX/XX/2016 showed that I owed {$130.00}. After the promotion expiration date of XX/XX/2016, I received a " XXXX of Account at XXXX '' showing that my principle balance was {$20000.00} and finance charges of {$130.00}. Copied verbatum from this statement " The new monthly payment was calculated as follows : XXXX of {$20000.00} amortized over XXXX months at XXXX % : {$320.00}. XXXX of {$130.00} divided by XXXX payments : {$1.00}. New Monthly Payment : {$320.00} ''. Statement dated XX/XX/2016 states that my new monthly payment is {$320.00} with a due date of XX/XX/2016. I received a call on XX/XX/2016 stating that I was XXXX days late for not making the {$130.00} interest charge from the XX/XX/2016 statement. I feel that I did n't owe the {$130.00} because it was added into my loan. I was told by XXXX, supervisor, that the {$130.00} was still owed whether it was or was n't added into the loan. I then was transferred to XXXX in the complaint department. He told me that the {$130.00} that was owed was n't interest, but a " conversion fee. '' I repeatedly read the " XXXX of Account at XXXX '' to both XXXX that stated the {$130.00} was divided by 84 months. XXXX told me at it did n't say " divided ''. XXXX stated " After you received this statement, the {$130.00} was waivered. The statement was sent in error. '' I never received a corrected statement. I feel like I 'm being charged {$130.00} twice. Either I owed it from the XX/XX/2016 statement or it was added to the monthly payment. NOT BOTH After about XXXX minutes of this nonsense, I asked what the payoff would be. The answer was {$21000.00}, which is {$140.00} more than the principle balance of {$20000.00} and interest of {$130.00}. I told him that I would be paying it off in full on XX/XX/2016, but did n't have the money to pay the {$130.00} before it was XXXX days late and reported on my credit report. I asked him if he would n't report to the credit bureau and I was told that it was federal law that I be reported. I had to borrow the money to make the payment to keep the late payment of my otherwise clean credit. XXXX told me that he did n't need to see my statement because every loan was done the same. This raises a red flag. Is everyone being charged the last month 's interest twice?
XXXX XXXX -showed I owed them {$60.00} from an account on XX/XX/XXXX.I called the company at XXXX on XX/XX/XXXX and they said no account with my name could be located and if I had an account there then I would have an account number.XXXX XXXX also showed I Owed them {$60.00} from XX/XX/XXXX.I called them at XXXX on XX/XX/XXXX they also confirmed I had no account number with them.
The website logged me off, and would not let me continue to get my free yearly credit reports. I was able to get one from XXXX, but the other two timed out or something and would not let me finish what I was doing to receive my reports. Please advise what to do next, and how to proceed. Thank you so much.
I have an account with XXXX XXXX XXXX XXXX. During the course of the loan, I went through a Loan Modification program. XXXX XXXX had me under a contract to pay a significantly lower mortgage payment for 12 months and then my mortgage was refinanced. XXXX XXXX is reporting several months of late payments although I paid the contracted and agreed upon loan modified payments during this time. My payments were never late- they were modified by XXXX XXXX . I paid the AGREED upon MODIFIED payments and they should not be reported as late. I have contacted XXXX XXXX several times and they have informed me that they are showing my account in GOOD STANDING. One customer service representative told me that the late payments will not be removed because even though the loan was modified, it was not the original payment amount. Under the loan modification, I was told that I could not pay any MORE or any LESS than the agreed upon amount and had to follow strict modification guidelines. XXXX XXXX is reporting false information on my credit report. This false/inaccurate reporting is causing financial hardship and undermining my credit worthiness.
On   XXXX   XXXX   XXXX     I submitted a dispute to   XXXX    regarding  XXXX  financial on my credit report. I asked for all the information regarding the account be verified. On   XXXX   XXXX   XXXX   the investigation was completed and it came back verified. It is my belief that  XXXX  did not complete a investigation because EVERYTHING on the account is reporting inaccurately. The high balance is incorrect, the balance is incorrect, and the date of last payment is incorrect. I am fully aware of my rights and if the credit bureaus fail to investigate and update with accurate information according to the FCRA then this account must be removed.  XXXX  is supplying the credit bureaus with outdated, inaccurate information and the accounts should be deleted from my credit reports. You will find a copy of my   XXXX   dispute regarding this account. I have also supplied you with the latest information reporting from Equifax so that you  may  compare the inaccuracies.