WillisBack/dataset-financial-user-claim huggingface dataset:
I owe for a past due utility bill from XXXX. I received a notice XXXX XXXX that I owe {$90.00}. I responded back XXXX XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XXXX XXXX I received proof of the outstanding balance. I called the utility company several times over a XXXX3 week period, finally received confirmation that the balance exists. XXXX XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.
We are a finance company and a customer wanted us to pay off his loan to XXXX XXXX title loan ), which we did. The customer sent us a letter from XXXX dated XXXX/XXXX/XXXX, stating that the payoff amount for the loan was {$960.00}, if received no later than XXXX/XXXX/XXXX. We sent the payoff check to XXXX on XXXX/XXXX/XXXX and check was cashed XXXX/XXXX/XXXX. 
As of today, XXXX XXXX, XXXX, we have not received the title for this loan.
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX  which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
A representative named XXXX, who stated he is a legal manager at Summit Receivables stated that Summit Receivables has taken over my credit card debt which is {$450.00}. The company has repeatedly contacted me calling me more than once a day for the past couple of months. I have explained that I was unable to make payments at the time because of health related issues. During the past month XXXX has called me several times threatening to take legal action against me if I do not pay a certain amount by a specific date. I recently made a payment on XXXX/XXXX/16 for {$50.00} which was posted XXXX/XXXX/16. However, I decided to check my credit report on XXXX/XXXX/16 to see if the company was on my credit report. To my surprise I did not see the company listed on my credit report. I also noticed that the original debt from the credit card company was closed. Once I realized I did not see them listed on my credit report and I have not received any documentation by mail indicating that I owe them or that they will take legal action against me I contacted XXXX to ask him about my concerns. XXXX became very defensive and began to talk over me and became very rude. I informed him that I will not make any further payments until I receive something in mail indicating that I owe them, after I stated that, XXXX stated he can send me something by email and that he was not obligated to send me anything by mail unless I send it a written request. I told him that I will request in writing to have documents mailed to me. I asked him for the address of his organization and he hung up on me. I looked through my inbox and spam on my email and I did not have any emails from him or the company he claimed was sent to me. I contacted the Consumer Financial Protection Bureau, XXXX and State Attorney General for Nevada and was informed that what he was doing was illegal and I plan on taking further action.
These accountst should not be on my credit report. XXXX has stated that they have verified the accuracy of the information by minimal confirmation. I do not owe these debts. there is one for {$30.00} with XXXX XXXX. 

There is an account with Syncb/Care Credit in the amount of XXXX showing the high credit limit of {$1000.00}. This item needs to be deleted because the contract has been terminated and the account that has been transfered or sold has been resolved. I am no longer tied to this alleged debt and it needs to be removed.
I need your assistance please in having a fraudulent account removed from my credit before I take legal action. I have contacted Portfolio Recovery Associates for about 6 months now about an account I discovered on my credit. I have contacted them via certified mail 5 times because I wanted to have proof of receipt. They have received my dispute but have failed to get back to me in 30 days which is what is required by the FTC as it relates to the FCRA. I have actually waited 5 months and the account remain and they are responding to the credit bureaus but ignoring me. I was never contacted before the account was placed on my credit. 

Account Number XXXX
On XX/XX/2018 I wrote Equifax a dispute letter on the status of my credit report. I found multiply errors on my file and ask for Equifax to fix. Its has been 60 days now and i have not received a copy of my credit report and the fixes Equifax did hurt my score more than helped my score. Since Equifax had a data breach I was affected and they have given me credit monitoring through their site at XXXX. At this point I am following up with my letter to Equifax by filing this complaint to the CFPB. My next step is to file a lawsuit in federal court over several violations of the FCRA. What Equifax decided to do was to reboot my file from a current date in XXXX. After that hardly any files have been updated and many new creditors have been added to my file. My score would / should be at least 30 to 40 points higher. Im at the point of no return its just time to file the lawsuit the erroneous condition of my credit file can not continue to be represented as my current profile.
The original creditor is   XXXX   XXXX   XXXX  . I had a  XXXX  and   XXXX   XXXX    Store card  with them. I got behind on both accounts. They were both charged off.They were also both bought by  Portfolio Recovery. I go t a notice from  Portfolio recovery  on   XXXX   XXXX   XXXX    . I settled out for both of the debts. (  XXXX - {$300.00 } ) and (   XXXX   XXXX  - {$300.00} ). They both was settled after the charge off. However, i never received my reque sted letter that the debt was paid and they never reported differently on my credit report. I have a collection account with them now with minimum information. I would like both debts removed from all three credit bureaus due to violations of the Fair Debt Collection Practices Act and Violation of the Fair Credit Reporting Act. They are reporting different high balances on my reports. This is wrong. They also are not showing the full account number on my reports. The reporting activity dates are off and inaccurate. Please help me resolve this.
Rent Recover, LLC has attempted to collect a debt that has not been validated and is not mine. Rent Recover, LLC calls multiple times harassing and threatening me for a debt collection that is not mine. I would like this debt removed from ALL XXXX credit bureaus : XXXX, XXXX, and XXXX. This debt that I do not owe is affecting my ability to buy a home.
Went through a divorce was left to pay all bills fell behind had to move some utility 's got cut off and could n't afford to finish paying loan only had enough for rent to make sure me and my kids had a roof.
I have just submitted my story. If CFPB can help, my story should be considered as my complaint. Increase of 33.33 percent in period of loan ( 30 to 40 years ) and reduction of rate of interest by 21.54 percent ( from 5.1 to 4.0 percent ) for hardship loan modification is neither justice no fair practice with the customers/homeowners. This credit goes to CHASE, my mortgage financer. I have only XXXX house and it is my primary residence.
I AM A VICTIM OF ID THEFT. MY PERSONAL INFORMATION WAS COMPROMISED AND SOMEONE/S OPENED SEVERAL ACCOUNTS IN MY NAME AND AS A RESULT THEY WENT INTO DELINQUENCY. THE ACCOUNT THAT I HAVE BEEN TRYING TO REMOVE IS A RESULT OF THAT..
American Express sent me an offer on its Delta Skymiles Card offering me XXXX miles if I signed up for the card and spent {$1000.00} on the card in the first 90 days. I got the card and spent the {$1000.00} within 90 days. American Express denied me the bonus miles because in the fine print terms and conditions it said that I previously had this card and therefore was not eligible for the promotion. This should have been made clear to me when I signed up or I never should have been offered the promotion to begin with if I was ineligible.
I was going over my credit report because I am trying to buy a home and I seen that someone has been using my identity for accounts and utilities. I have never lived in XXXX XXXX XXXX , XXXX, TX XXXX or done business in that state. I do not recognize the inquires and companies : XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX # XXXX. I in the process of securing my credit files, and personal Identifiers with XXXX XXXX, Trans Union, XXXX, and XXXX  I had to file a complaint with the FTC as well. It is possible that someone is still using my name and information.
I received my Citi Double Cash credit card statement for the month of XXXX which included a late fee of {$25.00} for a payment they indicated they received on XXXX. My payment was due XXXX. My automatic bank withdraw was made on XXXX and my bank statement indicated the payment was received and cleared by the Citi on XXXX. Citi did not post my payment until XXXX, one day after the due date, and attempted to charge me the {$25.00} late fee. It took me at least XXXX minutes of arguing with a Citi supervisor who was anything but helpful to resolve this matter. I feel they have been dishonest and hoped I would not notice the fee and/or not bother to complain about it. How many other people have had this experience?
I am receiving harassing phone calls and emails from the 2 collection companies that XXXX XXXX is using to collect whats I owe. I have spoken with the collection agency and gone over everything with them twice and they are verbally abusive, threaten me and speak down to me. They raise their voices during the call as well. They call my work phone and cell phone every morning and every evening including weekends. They are sending emails threating wage garnishment and the amounts do not match what I owe. I have hired a credit counselor to assist me and even he can see that the information isnt accurate. We have been disputing this for a month but the harassment and threats are what need to stop.
Upon reviewing my credit report I noticed accounts from RSH AND ASSOCIATES placed. I have never received any information written nor call about this alleged debt. I mailed validation letters twice via certified mail on XXXX XXXX 2017 and then again XXXX XXXX 2017. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I asked them to allow me to validate this alleged debt and to send me detailed breakdown of fees and any collection costs and medical charges. I asked a for a copy of my signature with the provider of service to release my medical information to RSH. I requested FULL documentation of what was received from the provider of service. Lastly. I asked that they cease any credit bureau reporting until the debt has been validated by me. I also stated that if they can NOT provide ALL of this information they MUST remove this collection from my social and from all XXXX major credit bureaus such as XXXX, XXXX and XXXX. RSH has NOT complied AT ALL with my requests. Reporting and therefore continuing to report this invalid information to the credit bureaus and not allowing me to validate is a violation of the FCRA.
I had a fraudulent account on my credit report. I placed a fraud alert on my credit report with all XXXX agencies through XXXX. Then tried to dispute the account with all XXXX agencies independently. XXXX and XXXX had phone numbers to contact directly and dispute the charge immediately. However Experian lists phone numbers that are purely automated ( no option for an agent, hangs up after ) referring to the website. Tried the file a dispute on the website but i needed a copy of their credit report. I tried putting in my information and it told me " they are unable to honor my request '' and that I would have to submit in paper through the mail a request including all my personal and private information including social security number, date of birth, address and potentially money to buy a report. I already have a report through a different group, i do n't need a report. I just want to dispute a charge but there is no way to get this done directly. This is a consumer business that handles my credit information and is essentially holding it hostage to make a fee on a credit report. How is it possible that there is not a direct phone number to an agent required for this business?
I used a credit card issued by Bank of America ( BOA ). However, I have been charged once for return check fee and once for late payment fee. I have never tried to make late payment or void payment. Both issues were caused by the fact that BOA does not provide enough instructions and help in setting up online payment correctly. I thought I have set up recurring online payment correctly. I do n't know know why it did not work well. I tried to got help several time through its online service and phone service. When I asked them to check if I set up the recurring payment successfully, they failed to provide this service. Online chat representative asked me made a call. When I finally got connected with the phone representative, she said she were not able to confirm for me. Now they charged the fees and refuse the reverse them.
We successfully completed chapter XXXX XXXX XXXX. Contacted Wells Fargo to take over loan payments and was told the loan had past due amount of $ XXXX. I got and compared their transaction history ( {$83000.00} ) to trustee payment history ( {$88000.00} ). I sent certified letters to them on XXXX and XXXX and have since made XXXX phone calls to their California bankruptcy department and the issue is still not resolved.
I would like to come to some sort of closure with  XXXX  billing, This all started aro und  XX/XX/2016 .  I joint the  XXXX   XXXX  for life plan, big mistake! It was at that time a free service, in which I was bille d 3  payments of {$380.00} which I paid! I should never have billed for this service, I contacted  XXXX  on several occasions I finally received a call from a so called supervisor, Who explained that I should never have billed and I was told that the money would be put back into my account? This never happened, so I stopped paying  XXXX  until I got it rectified! I have tried numerous times to get this fixed with  XXXX ! I had tried to contact them online through  XXXX   XXXX  online services, I was repeatedly either disconnected or put on hold. I also called on a land line same result. I even contacted a regional  manager  who handles these matters for  XXXX , again no reply! Needless to say the account was then sent a very unscrupulous collection agency,   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX , So far they breached my email account   XXXX   XXXX   XXXX  , which I was under the impression was illegal to do? Secondly they run my credit on a monthly basis to keep my score down and report monthly on my credit report, again which is illegal, and these reporting agency 's do NOTHING TO STOP this! I have also contacted the Federal Trade Commission on this matter reference number :  XXXX  I am also contacting a Lawyer to see if I can start a class action law  suite ! Ag ainst the credit reporting agency 's and this so called   XXXX   XXXX   XXXX  ! After doing online research it seems that I am not the only one that has issues with  XXXX   Billing  practices!
Opened a credit card with American Express in XXXX while in college. Credit card account was cancelled in XXXX XXXX with a balance of {$3600.00}. I was making sporadic payments through the end of XXXX and XXXX. Due to new employment, I have been making aggressive payments since XXXX of XXXX to pay off debt on card. I made a payment of {$500.00} on XXXX/XXXX/XXXX, a payment of {$400.00} on XXXX/XXXX/XXXX, a payment of {$500.00} on XXXX/XXXX/XXXX, {$400.00} on XXXX/XXXX/XXXX, and {$500.00} on XXXX/XXXX/XXXX. I try to make a payment for XXXX of XXXX and the website tells me I can not pay through their website, and to call the number on the back of my cancelled credit card. I call the CC company and they inform me they no longer have the debt and that I can not make payment. After transferring me between three different departments and nine different representatives, they are unable to provide me any information on who I need to make a payment to and that they have no information on my account. Logging in through the credit card company, I can see the minimum payment due on XXXX XXXX XXXX {$170.00} ) in addition to recent payments and total balance still owed ( {$1200.00} ). Company will not allow me to make payments on my debt, which according to multiple representatives, is still being held by the CC  company.
I just have a problem, with the XXXX XXXX report still showing a court report, there 's no longer a court issue because I been paying on it through XXXX XXXX XXXX, please remove that off my credit report, it makes my credit look bad, and I 'm really trying to improve my credit, I have been in good standing with paying my bills and will continue to do so, please remove that court mis information from my report, I have mobed on to doing better
I called capital one on serveral occasions telling them im a victim of indentity theft & my Info was used fraudulently to opened an capital one account and its showing a remark of bankruptcy which I have never filed.
The last XXXX to XXXX times I have used the Chase QuickPay service it has taken well over XXXX hours to receive payment. In fact several occurrences took almost XXXX days. This has made me late on rent previously. When I call they tell me to wait an hour, and it should clear. When the funds do n't clear and I call back, they say wait until XXXX and they will definitely clear by then, however, the funds do n't clear. It really seems like there is a scam happening that is designed to overdraw customers so that Chase may charge overdraft fees. Now, I have n't always had this problem with the QuickPay service. It seems that these issues occure like this if my account is low on funds and can be overdrawn if pending transactions clear. So, if they hold off on depositing my QuickPay funds for XXXX days, then there is a good chance I will be in the red. The misconception is that all the Chase customers, and including the Chase employees think the funds should clear within hours and within XXXX at the max. However, funds do not always clear quickly, and no one can explain why. This is currently the situation I am in. On XXXX/XXXX/15 I had XXXX in my account. I had also excepted a QuickPay-payment for XXXX from another Chase account holder. The Chase QuickPay activity screen says I had excepted an XXXX QuickPay payment and it was complete. When I look at my account balance, the {$85.00} deposit is not reflected. I am currently over drawn {$3.00} even though QuckPay activity says the funds have cleared. The Chase customer that QuickPay'ed me the funds, said they were removed from their account immediately. If this is the case, then there is no need for a waiting period ( Hold ) to insure the funds clear. It is not the same process as a check or Debit card transaction. In addition, when you do become overdrawn as a result and charged a fee, they do not automatically refund you the fee based on their mistake, you have to call them and show them that there is a glitch in there system. If people do n't realize this is happening, they do n't call and Chase collects unwarranted overdraft fees. I would have thought this was just an exception, just a glitch, but I am noticing now a pattern that is of concern and should be investigated. It is a strange operation and does n't look good ....
Last month this company received a check along with a letter from me to pay off a {$77.00} debt the had reported on my credit report. 
The letter specifically stated that they were to only cash the check if they would go on to delete the account from the credit report and if this was not acceptable to them they were to send me the check back. ( see attached copy of letter ) In addition, I had also write on the the check 's note section " cash only if you will delete account from credit report '' ( see attached copy of check ) The company violated the implied agreement and cashed my check and failed to delete the account on my credit report.
Received a letter from a lawyer offering to represent since XXXX XXXX was being sued. After researching with the clerk of the court discovered that XXXX XXXX, on behalf of Citfinancial XXXX was suing. Citifinancial has illegally re-aged the date of first delinquency through deceptive practices. They NEVER sent an invoice for years yet they were drafting from XXXX XXXX 's bank account {$50.00} each month. After numerous demands for statements XXXX all thise will be attached XXXX Citifinancial gave a run around include saying the account did not exist. When statement copies were finally received it was discovered that the {$50.00} a month did not even cover the interest each month, so this would have been paid on forever. Also Citifinancial was reporting this to the credit bureaus as charged off and not reflecting that any payments were being made on it at all. 
After careful research it is clear that numerous Federal laws were broken ( see attached letter sent to XXXX, The XXXX Court, and the attorney XXXX ). 
Payment was immediately stopped to them. 
Texas XXXX XXXX XXXX stipulates the statute of limitations. This is outside of the statute as they illegally re-aged every time they took a payment. The date should be the date of first delinquency with Citifinancial. Not the date they kept taking the {$50.00}. 
Additionally by not providing a periodic statement The Credot CARD Act of 2009, Fair Credit Billing Act, and Fair and Accurate Credit Transactions Act are all in violation. Due to inaccurate reporting to the credit bureaus, The Fair Credit Reporting Act is in blatant violation.
wrong name on credit reort, containing a felony of burgulary by the name XXXX. my name is XXXX XXXX XXXX. this in return cost me a good job @ XXXX 2 weeks now @ {$18.00} an hour. please contact me asap XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, ohio XXXX also XXXXXXXXXXXX
The original owner was XXXX XXXX  sold to XXXX XXXX XXXX XXXX. I settled and paid in full with XXXX XXXX. I need XXXX XXXX as well as XXXX XXXX to comment on my account ( my credit report, all three. That this XXXX XXXX store card or credit card was paid and settled and paid in full. Was a charge off but need remarks to say, or comments as paid and settled in full please. Thx XXXX XXXX
I have been working on a short sale contract for my condo in Florida with GreenTree ( now Ditech ) since XX/XX/XXXX. I have a real estate lawyer to help me navigate this but he has not been able to get much response from the bank. They are constantly passing my contract to a new negotiator who claims to know nothing. This buyer has been very patient and agreed to the bank 's asking price of XXXX ( which is above all the comps ) in XX/XX/XXXX, yet the contract fell through because GreenTree was not responding to any calls or emails from my lawyer. I almost lost this buyer but he decided to give it another shot, we resubmitted the contract in XX/XX/XXXX, and still the contract gets no response. This is for the amount the bank negotiated and I have provided all paperwork they asked, so why is this not moving forward? I 'm afraid this will go into foreclosure.