WillisBack/dataset-financial-user-claim huggingface dataset:
This is the bank that provides the XXXX credit card. On XX/XX/XXXX, Comenity 's processing center received a check from me for {$29.00} the payment of my account in full, along with a request to close my account immediately. I know this to be the case because my bank had a note in my account that a payment was being processed on XX/XX/XXXX. For some reason, this payment did not post in the system until XX/XX/XXXX due to the national holiday. Subsequently, I received a letter from Comenity Bank acknowledging receipt of this amount and the closing of my account with a {$0.00} balance. Several weeks later I received another bill for this account charging a late fee of {$25.00} and interest of {$2.00}. When I called to find out what was going on and why a fraudulent amount had been charged to my account I was told that because the system had not credited the amount to my account on the XX/XX/XXXX or XX/XX/XXXX,  that they were counting it as late and had fraudulently reopened the account and charged me with two late fees plus interest. Be noted that I am filing a complaint against the bank with the Better Business Bureau because I find the actions of the bank and its personnel both unethical and fraudulent.
Continuous calls to cell after being advised and requested on multiple occasions to cease and desist. Requested proof of debt as stated by the FDCPA yet debt company refused. Representative " XXXX XXXX '' threatened a law suit if action not taking. Calls to cell 3-5 times daily for the past 8 weeks.
XXXX   XXXX  is reporting an account that was paid in full as a charge off. I turned all of my debtors over to  XXXX  and paid all of the linked accounts off in full, early. They supplied me with the proof and  XXXX   XXXX  said they turned the account over to  XXXX   XXXX , they say the account was paid in full before any collection activity started. I have a record of all of the above. This is hurting my  credit score on  all of the major credit reporting agencies.  XXXX   XXXX  is the only account that lists this kind of recording, even though I had several other cards also in the program, and no one else reported their accounts in the same manner. Payments were sent each month to  XXXX   XXXX , the proof is attached. They will not change or speak to me about it.  XXXX  said they are reporting it wrong and something should be done to fix it.
I have sent letters to Portfolio and the credit bureaus XXXX XXXX, XXXX and XXXX  XXXX seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports. See attached documents.
I  was never made aware of this debt by the company Commonwealth financial systems incorporated. I was only made aware after they a ppeared on my credit report for a debt that is no longer owed. I contacted my workers comp attorney about this as this bill had been paid by the insurance company for my former employer. I have called and spoke to multiple people with the company. As I write this now I am on the line for a supervisor after speaking to a  XXXX   XXXX  and have spoke to  XXXX   XXXX . I have given  them all the documentation to have this closed and the debt discharged. My attorney has sent the documentation to them several times as well. If this is not cleared up I will be seeking legal action  against them.
I keep getting phone calls saying that I am behind in my XXXX taxes. I was behind by 5 months and called and told them I was making payments and sent the tax bill showing my payments. In XXXX of XXXX I paid the balance of {$1000.00} with ck noXXXX. I was then informed by the company that they had paid {$1000.00} on the same day and I owed them this money. After sending many proofs of my payments they still insist that I 0we them that money. Now they want me to make a conference call with them so they can prove I still owe the taxes or so it seems. How do I know they even paid? 
I can't get the check back, its not mine.
My debt was first sent from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and was settled at a 20 % discount ( original amount due {$200.00} ) for {$160.00} in. However, proper documentation was not made and it was then sent to another collection agency, XXXX XXXX XXXX. I notified them that the account was settled however, it was then passed onto Midwest Recovery Systems. Midwest reported it to collections and I have a derogatory mark on my credit report. I received documentation that the account was paid marked XX/XX/2016 from XXXX XXXX XXXX.
We have a loan with ally auto. We have missed XXXX payments due to some unfortunate events. I called them and made payment arrangements I paid XXXX last week and XXXX next week on XXXX XXXX 2015. They accepted and said the calls would stop. During that phone call the lady stated that ally can reposes the car without sending a letter or informing us because they already sent a letter XXXX. So the lady stated the calls would stop. Made the XXXX payment and next week as i stated the rest of the payment ally keeps callings us nonstop XXXX times a day or more. We tell them we made an arrangement ally says they want payment now. They keep calling and harassing and saying they want the payment now when I have an arrangement that is notated.
On XX/XX/XXXX, when trying to pay for a purchase I made with a merchant, I handed my credit card over to the merchant, and she returned it moments later saying my transaction had been declined. It later became clear that the merchant had fraudulently swiped my card for two successful transactions of {$140.00} and {$140.00}, and attempted to swipe for a 3rd transaction that was declined. After the merchant told me the card had been declined, I ended up paying a bewilderingly high amount of cash and was refused to be provided with any receipt outlining the prices of the goods purchased nor the receipt of my cash payment. This, combined with the discovery of the two unauthorized pending charges on my online bank account, prompted me to report the incident to the local police the following day, XX/XX/XXXX. 

I opened a dispute with the credit card company ( PNC Bank ) as soon as the charges posted to my account, on XX/XX/XXXX. They soon after mailed a request to provide a receipt or other documentation. Not having a receipt, I mailed back a copy of aforementioned police report. On XX/XX/XXXX, I  received a letter from the credit card company saying they are unable to assist in my dispute. I called them on XX/XX/XXXX and spoke with a representative who adamantly insisted that unless I provide some kind of receipt, there is absolutely nothing they can do to assist me. 

After a few weeks of doing some additional research and consulting with peers, I called the credit card company back on XX/XX/XXXX, and firmly insisted that per the Fair Credit Billing Act I am entitled to ask for proof of charges I am being required to pay for, and do not have to provide anything to request such proof. A different representative again adamantly insisted that unless I provide some kind receipt there is absolutely nothing they can do. After some back and forth, I was transferred to a supervisor 's voicemail, where I left a message dropping the term " Fair Credit Billing Act '' a few times. I got a call back from the supervisor a few hours later, saying they will go ahead and proceed with my dispute. 

On XX/XX/XXXX, I received a mailed communication from the credit card company with 2 receipts for the 2 charges, provided by the merchant. The communication stated that based on these receipts, they are unable to assist in my dispute. I called on XX/XX/XXXX asking to speak with the representative whose name was on this communication, wanting to share some concerns I had with the provided receipts, some of them being : discrepancies between the timestamps on the itemized receipt and the signed credit card slip, discrepancies between the timestamps on the signed credit card slips and when the swipes actually occurred, and most importantly the fact that the signatures on both slips were forged. That representative was not available, but another one told me she would pass along my initial remarks and I will be receiving a call back from the original representative shortly. Today, XX/XX/XXXX, 3 full  business days have passed and I have yet to receive a call back.
I'M A VICTIM OF FRAUD AND IM REACHING OUT TO HELP ME IN EXPEDITING THIS MATTER WITH THE CREDITORS AND THE CREDIT BREAUS. HERES THE LIST OF ACCOUNTS ACCOUNTS -XXXX XXXX - {$300.00} XXXX XXXX XXXXXXXX XXXX - {$8600.00} XXXX - {$8600.00} XXXX XXXX - {$1700.00} XXXX XXXX -XXXX XXXX XXXX - {$540.00} -XXXX XXXX {$320.00} -XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX  XXXX {$210.00} -XXXX XXXX XXXX
I had a car title Loan with Wilshire Consumer Credit which was paid in XX/XX/XXXX. I still had not received my vehicle title by XX/XX/XXXX. Contacted the company and they originally claimed that the title was released on XX/XX/XXXX and tried to refer me to a third party vendor ( XXXX ) that wanted to charge me to get information about my title. After refusing and calling back Wilshire Consumer they admitted that the title had still not been released but would get it processed now. When I asked why the title had not been released nearly 6 months after payoff I was told that it could have been any number of errors and they did n't know the exact reason it was never released. <P/>I find the whole process very disturbing and suspicious. Originally lying to me and saying it had been released and referring my to a third party that wanted additional money and then after I refuse to pay they admit that the title has n't been released and simply say " sorry, there was an error somewhere, but it was n't our fault ''
I do not owe this debt. This debt belongs to my father. He was born in XX/XX/XXXX. I was born in XX/XX/XXXX. We basically have the same name except I am the XXXX ( or XXXX ). Please remove this debt from my credit report and delete it from all credit reporting bureaus. I did not originate this debt.
I have tried several times in the last three weeks to get my annual credit report from Experian. Each time, Experian immediately indicates that I have to send the request by mail ( it does not ask any questions, or give any reason ). I do not like sending sensitive mail by post, and would like to just download my report. I believe Experian just does this to discourage people from requesting their reports.
XXXX has discriminated against me by not letting me create online account also, Filed a dispute not providing any help for dispute, XXXX rep XXXX, states that it takes 90 days to resolve a dispute. Card number XXXX Exp XX/XX/XXXX
I called to close the account and asked for a payoff balance. I was given that balance and paid it. After the account was closed I was charged a {$9.00} fee, then late fees with out me knowing month after month. I left multiple voicemails for representatives and have not been called back. I am now speaking with attorneys in my building about doing a class action suit against chase. I have found 15 other individuals with similar stories and plan on running a social media campaign ( i own a marketing company ) to find as many victims as possible with similar stories.
My mortgage company DiTech has not paid the last installment of my XX/XX/XXXX taxes to the town and now the town is placing a lean on my property. I have had issues with Ditech several months after they assumed the mortgage at the end of XX/XX/XXXX, as they replaced the property address with my billing address. I called the company repeatedly trying to have them correct the address change - which was not cleared in the system. At one point the customer service person told me that I was wrong on the address and to stop bothering them. I was so angered as if one holds a note on a property, you would think they would know the correct street address, town, state the property resides. At some point early in XX/XX/XXXX, I was told the paperwork was corrected but of course, this was not the case. As a result, the taxes were sent in XX/XX/XXXX to the wrong county/state for XX/XX/XXXX. My accountant noticed the incorrect address when receiving my tax paperwork in XX/XX/XXXX from Ditech. I immediately started making phone calls to find out the taxes were never paid for XX/XX/XXXX and this was XX/XX/XXXX. I informed Ditech and they told me they paid the taxes as checks were sent out that week I called. But come to find out taxes were not paid until end of XX/XX/XXXX and it was a partial payment. This week the town is going to put a lean on my property for outstanding taxes for XX/XX/XXXX. I again have called repeatedly and they keep telling me they will look into the issue. I have asked for a supervisor to call me back but with no response. The customer service person accused me of not leaving a message with the supervisor and hanging up. This organization is the worst with repeated misinformation, lack of response and follow-up, inability to do the job they are entrusted to perform and rude customer service accusations. I have paid on time and never missed a payment and expect them to act with diligence as this lean could affect my personal credit. I appreciate any assistance you can provide.
I have attempted to contact Trident Asset management several times with no luck in my desperate attempts to resolve and remove the collection they are wrongfully reporting on my credit report. However, all of my attempts went wasted for the past several months. I have received XXXX communication from the collection company. I have contacted the bureau who stated that collector verified the info and they could not remove it, and that I had to contact the creditor for the deletion letter directly but there is NO communication from this collection company to me! 
they are fraudulently reporting this collection which they have failed to validate and ignored all my attempts to contact them.
Hello, These are charges I did not make, did n't receive anything from and I have no knowledge of :  XX/XX/17    QT   XXXX   XXXX   GA REVERSAL OF TEMPORARY CREDIT Merchandise {$44.00}  XX/XX/17      XXXX   XXXX   XXXX   XXXX  E #  XXXX  TX REVERSAL OF TEMPORARY CREDIT Merchandise {$45.00}  XXXX / XXXX /  XXXX     XXXX   XXXX   XXXX   XXXX   #   XXXX   XXXX    XXXX   XXXX  OF TEMPORARY CREDIT Merchandise {$42.00}  XX/XX/17     XXXX    XXXX   TX REVERSAL OF TEMPORARY CREDIT Merchandise {$38.00}  XX/XX/17      XXXX   XXXX   XXXX   XXXX   #  XXXX  NM REVERSAL OF TEMPORARY CREDIT Merchandise {$54.00}   XXXX     XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX  AZ REVERSAL OF TEMPORARY CREDIT Merchandise {$53.00}  XX/XX/17     XXXX   XXXX  TX REVERSAL OF TEMPORARY CREDIT Merchandise {$360.00} They tell me to call fraud dept. and I do and they say I 'm not liable then charge me again and tell me to call fraud dept. and that I 'm not liable, charge me again, tell me to call fraud dept. etc.     This happens to be a secured card so it 's even more important to me that my balance be correct before I close it forever.     Thank you.    XXXX   XXXX
My son filed for bankruptcy he is a XXXX, Equifax is reporting his bankruptcy on my credit report. 
I have spoken with the US Bankruptcy Court XXXX and XXXX Consumer Service neither has this in their data base as being mine. Only Equifax is reporting this inaccurate information. I have being trying since XX/XX/2017 to get this off my credit report to no avail.I am attaching a copy of my son 's bankruptcy discharge papers to show this is not mine.
In XXXX I got a loan from XXXX XXXX. In XXXX I file Bankruptcy chapter XXXX. This loan was included in my case. After the discharge I was still paying on this loan. The loan was only for XXXX dollars and the payment were dollars then it went to XXXX. I have been paying on this loan for the last XXXX  years and the balance never change. I have never miss a payment. I look at the bill and found out that IM not getting any credit for my payments .The loan has been sold to Sping leaf and now its call one main, I need help .If I have calculated the payment right I have paid them almost XXXX over the course of 13 years I don't understand what going on.
In the best non-detailed description of what I am going through starts off with me applying for a job position with a company in the middle of XX/XX/XXXX. During the process of the interview I was giving my social security number to the HR Manager to input to her system to send to, what I eventually see through a letter in my mail, a " XXXX XXXX XXXX XXXX XXXX '' During the interview process however, I give the HR Manager a wrong SSN due to memory and she unfortunately submitted the file already before I could tell her my correct SSN a few seconds later. Two weeks go by and I hear nothing from the company that I applied to and the letter comes in my mail from them with the company they use for background checks. It has my name, address, date of birth, and WRONG SSN that produced the report mailed to me. 

Note that with the information I provided the company for a background check, everything seems to be " Full matched '' and used by this background check company " by the following identifiers : Last name, First Name, Middle Name, DOB '' as well as my address and WRONG SSN in easily readable format with criminal charges personally I never been charged with. Two scenarios are in my head with my concerns. First, the background check company that is able to manipulate a LEGAL DOCUMENT WITH NUMBERS THAT IDENTIFIES YOU FOR THE REST OF YOUR LIFE, with most likely a date of birth and of course a name associated with it, AND CONFUSE IT WITH ANOTHER LEGALLY IDENTIFYING NUMBER THAT IS VERY IMPORTANT. Secondly, if my First Name, Middle Name, Last Name, and DOB has a criminal charge on file that someone inputted, who is to say I do n't have another one or when I 'll have another one?

I am investigating my situation first thing in the morning with the companies involved since the day I write this is the day I found out.
I closed my account and paid my last XXXX bill, and it shows as a Derogatory Account on my credit. The report shows the balance is {$0.00} and the last payment was made in XXXX 2016. It also shows I was reported to the credit bureau in XXXX 2016 and that the account was PAID CHGOFF. I assume this means even though I had a XXXX balance I was reported and XXXX claimed they paid off my account. I have called XXXX and they can not find me in their systems by my account number, social security number, or name. Curiously, I can still log into my online account, which shows a XXXX balance. I need to get this XXXX account removed from my credit reports, as it was not a " derogatory '' account but was paid a month prior to being reported. I have attached my screen shot of my {$0.00} balance, and you can note that it is the same account number as shows on my credit report. XXXX solution was to send me to the XXXX XXXX XXXX phone system that wanted me to pay {$10.00} to " temporarily freeze '' this transaction on my report, but no human could explain what that meant of why I would do that when they were unable to find me in their computer systems.
I had applied for American Express Platinum Card and I was offered for XXXX bonus for spending XXXX. I had met my spending requirement and was award with XXXX bonus. Last week American Express removed my XXXX bonus without notify me. I had set up a case for disputed but they denied my request to give back the reward. Their lame reason was I am not qualify for the bonus. My question to them was how am I not qualify if I already received my reward? Why are they taking away my bonus points without notify anyone or even send out a letter for the explanation? I feel so frustrated and want to cancel my credit card, but they refused to give back all my membership fee, which is XXXX dollars. Please investigate American Express for their scamming consumers. What they did was absolutely wrong and unethical. Thank you very much for your help.
I had disputed XXXX and XXXX with Equifax in XXXX 2014 and they proceeded to delete due to inaccurate information and improper reporting. Yet recently I have found these XXXX accounts on my file again. These accounts are outdated, inaccurate, contain incorrect dates and status ' and are not reporting correct payment history. They have no place being on my file if they refuse to conduct a proper investigation to correct them. I asked Equifax for proof of investigation and their results and paperwork regarding how they verified these and allowed them remain on my report and yet I have received nothing till this day. I am skeptical and certain that absolutely NO investigation was done to verify these derogatory marks. They must remove them if they can not honor my request to correct them and show me how they verified them and allowed them to be reported to my file. they are inaccurate and they are affecting my life very negatively!
Over the pass few months I have been requesting a payment history do to missing payments that have not been applied. I have requested a payment history several times, instead of receiving the history I have received a foreclosure notice for XXXX XXXX, 2018.
Equifax is inviolation of the FCRA Federal law, they are illegally opening anc closing and account listed on my credit report and updating the balance from XXXX to {$15000.00}. I have filed complaints with the attorneys general office and I plan to file a lawsuit if equifax does not permanently close the account listed as XXXX XXXX XXXX XXXX because it was paid in full on XX/XX/2018. I have provided proof to equifax that this account has been paid in full and they are still illegally reporting this account on my credit reports and illegally opening and closing the account.
I received a past due notice on an account that was closed many months ago, perhaps it was even a year or more ago, I do n't remember exactly. Apparently even though the account was closed, Bank of America agreed to honor a charge this summer from XXXX 's List. According to Bank of America, it is impossible for me to close my account in such a way to guarantee that future attempts to bill me will not occur. This is unacceptable. I know from my own personal prior experience, they can set up their computers to reject future charges to a credit card that is expired. Obviously that 's what they do when they suspect a credit card has been stolen. But BofA is telling me its impossible to really close my account. Or they are telling me that " closing my account '' does n't mean reject all future charges. This is crazy. It should not be impossible to close an account and request that all future billings to said closed account be rejected.
I have contacted Equifax 3 times via writing and certified mail about XXXX XXXX XXXX account being invalid. Equifax has refused to provide me with proof that this debt belongs to me which is a direct violation of the FCRA. The other 2 reporting agency have conducted accurate investigations and deleted the account from my credit file. Equifax continues report innacurately on my credit file.
I called Barclays MasterCard credit card services today they said that I owe {$89.00} as of yesterday they change my due date without notifying me. I said no way I paid {$120.00} on the XXXX of XXXX.they kept my payment ... .and want the XXXX and because I do n't have it Barclay will hit me with a late fee. What the XXXX I have a perfect payment record. I refuse to send Barclay a XXXX dime.