WillisBack/dataset-financial-user-claim huggingface dataset:
I had 3 XXXX XXXX accounts that were included in my 2013 Bankruptcy that was discharged years ago. They are continuing to update every single month and it is killing my credit and financing. I have filed a complaint with the Bankruptcy courts recently.. They are in clear violation .... I have disputed it with the bureaus and XXXX XXXX claims it is valid. How is updating monthly on a bankrupt account valid? This is a clear violation and needs to be fixed!
On XX/XX/2018, I contacted the creditor and informed them that the debt did not belong to me as I was not the recipient of services, nor my child, and both my child and I were medicaid recipients during the alleged date of service. Furthermore, the address that they had on file has never been my addressed and it is where they sent all previous notifications to. 

On XX/XX/18, I sent a letter to the Creditor requesting for verification and validation that the debt belonged to me, including any documentation that they have the proves that I am contractually responsible for the debt and a document bearing my name and signature. I also requested documentation evidencing that the debt was acquired by them and/or assigned to them. Additionally, since it was a medical related debt, it is customary for identification to be obtained at the time of service as well as consents to treatment. I requested them to provide such information as proof of the debt belonging to me or my child. 

On or around XX/XX/2018, the Creditor sent me a copy of a bill, with nothing more to evidence that the debt legally and contractually belonged to me, nor evidence of the assignment of debt. 

The amount of the debt is {$960.00} and the name of the person who received services is not me. 

I also reported this item to the XXXX credit bureau and they reported it as verified as accurate, however a bill is not proof of verification of a debt.
On XXXX XXXX, 2017, XXXX should down my AmexCard within minutes stating someone made a purchase at XXXX. I have not been able to get access to my account online or through the telephone. They have illegally charged me late fees and interested. I contacted Mr. XXXX XXXX and over ten ( 10 ) through faxes and he has never responded. To this date, I am unable to gain access to my account. They have intentionally ruined my credit. I did nothing wrong. I have a XXXX balance except for their illegal fees and late charges. They have ruined my credit reporting me late which is untrue as I am unable to even gain access to my account. They closed my account. I have never received any statements for the last three ( 3 ) months. Again, they have violated my rights. I can not even view my account online. I do not have any valid credit cards from them that are operative. Please investigate and fine them for their illegal behavior.
On XX/XX/2016, a banking institution took {$1300.00} out of my Bank of America checking account. They had no paperwork, signatures or any agreement with me. An individual that uses this institution ( Identified as XXXX XXXX ) was attempting to transfer money into my account but the transaction took money out. Whatever went wrong, no one appears to understand. I called Bank of America and expressed my alarm that an institution, completely unrelated to me and with no agreements in place could withdraw money from my checking account. The money was redeposited on XX/XX/XXXX. No correction to my interest was made and although I have called the bank on numerous occasions, there has been no explanation provided to me. 
This breach is serious but evidently Bank of America is doing nothing to correct the weakness in the system that allowed this to happen, they have ignored my pleas for an explanation and they have not reimbursed me for the loss in interest ( which occurred during the weeks that the money was missing from my account ).
On or about XX/XX/2013, we contacted our then current cellular provider ( XXXX ) to advise them of our desire to change carriers and confirm that our account status was paid and up to date. We were advised that in order to change carriers, we had to have a {$0.00} balance with our old carrier prior to changing to a new one ( XXXX ). We spoke to a XXXX representative at the store literally 100 ' down the mall from the XXXX store who informed us that our account balance was {$0.00} and we were free to change carriers. We also confirmed this with XXXX, who had to do a check on our account in order to import our current cellular numbers over to XXXX. We were informed that this could be done and we could initiate a new account at XXXX and did so. We received several invoices from XXXX many months after terminating our account with them and disputed the amount over the phone with customer service reps. Years later, we received notice that the debt had been transferred to XXXX XXXX, who was listed as the new creditor. When we inquired with Convergent, we were never sent any supporting documentation of the actual amount or how that amount was reached, only that they said we had a balance of approximately {$1200.00} that was from our termination of our account. We have disputed the matter using XXXX XXXX and Convergent still lists the account as valid. We would like to have the matter removed from our credit report, as we do not believe the debt to be valid.
i have been disputing this entry from   XXXX   XXXX   several times and the  3  bureaus keeping saying that after their investigation they show thin information is correct
This is a new Complaint on XXXX XXXX XXXX XXXX. I never received XXXX-mortgage interest statements from XXXX XXXX XXXX XXXX from XXXX - XXXX. These statements was reported to IRS, yet I never received copies to file my taxes. Since payments was made to XXXX XXXX XXXX from my checking account with XXXX XXXX XXXX. I have the right to receive these statements. The account number with XXXX XXXX XXXX was XXXX/XXXX.
XXXX XXXX never mentioned the {$100000.00} transferred to them from XXXX XXXX  on XX/XX/XXXX. I received a settlement from a XXXX XXXX law sue. Whom ever have my drivers license & social security card made this transaction. XXXX XXXX XXXX XXXX did n't inform me of the many payments made to them from XXXX XXXX XXXX & XXXX XXXX. It was a series of mortgage payments, with a series of account numbers. The was an account for XXXX XXXX XXXX paid on XX/XX/XXXX. The account number is XXXX in the amount of {$1000.00}. XXXX XXXX XXXX XXXX have mortgages that was being paid, using my accounts. A large amount was transferred to them. If it was n't the XXXX Family. It was XXXX XXXX, she was a XXXX before she got married. My youngest child is being used also, because he have a XXXX XXXX & he 's a XXXX XXXX. His name is XXXX XXXX XXXX/ his social security number is XXXX.
I am XXXX XXXX XXXX and have had a XXXX XXXX credit card since I was XXXX. The only reason I have n't cancelled it is because of the account length and positive effect on my credit. my first problem was when they changed parent banks ( to XXXX ), certain payment dates ( including the one I had set up for my acct. ) were " no longer available '' according to them, so they took it upon themselves to automatically change my due date without notifying me! Causing me to be late that first month. And now, this is the 4th time I have had to call to cancel the " credit protection program '' that they keep sneakily, automatically, enrolling me in without my consent. They have one scam after another going on over there, and it needs to be addressed.
I would like to file complaint against Equifax , XXXX, XXXX on the improper information Serious Delinquency. The oldest account it may back to XX/XX/XXXX. From XX/XX/XXXX to Present, all accounts pay on time. How can it be Serious Delinquency? This is really unacceptable and unfair. This has to be fixed.
American Express have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that American Express is reporting not them, but when ask American Express tell me my account is no longer with them and XXXX XXXX has it. So if that's the case why is American Express reporting late payments to the bureau and I have paid my balance with XXXX XXXX.
A law firm is trying to collect on a debt that was settled in a class action law suit and I am no longer liable for the debt. They sent a letter to my employer stating everything that I owed, what it was for etc to try and collect on this. My information should not have been given to anyone without my consent. I sent them a certified letter with the proof that I do not owe on this account.
I filed a dispute in XX/XX/XXXX-XX/XX/2015 regarding disputing late fees and was told I would not be required to make a payment until the issue was investigated. due to this a late pay was marked on my credit while in dispute. This company has been a nightmare to deal with and they DO NOT have a phone number that they provide or is listed to their corporate office which is where each rep I have spoken with states I need to talk with. I have been promised several call backs from their corporate office which have not occurred.
I have paid my credit card debt that went to collections for JCPenny. They continue to 'sell my account ' to several debt collectors around the United States . I get a call in my cell phone every month threatening to serve me wth court papers at my place of work or as one guy said 'I better have my Supervisor available when he shows up to sign off on his papers ' ~like what is that supposed to mean? Am I not an adult? And I am the supervisor at my place of work, what would this gentleman have done if he 'd actually shown up? Every time I call these debt collectors back I have to explain that the debt is already paid in full and have to provide them with the letter that says so. It is a complete waste of my time, I 'm sure they scam quite a few people into actually paying making them think they owe them money again.
Received an American Express offer for XXXX XXXX XXXX new membership. 
Purchase a new membership online and receive {$25.00} credit. 
Purchased my membership on XX/XX/2018 but never received the credit Contacted American Express customer service, but they weren't helpful.
Notified EquifaxXX/XX/XXXX, and sent another dispute in XX/XX/XXXXof a public record/employment record showing up on their credit report as not accurate. I asked for deletion, if documentation could not be forwarded to me, instead of hard documents, they simply stated they received the information from a 3rd party ( XXXX ) ... ... The problem is it 's not mine. They know it 's not mine, because they ca n't even send documents!!! I never owned any property with back taxes in California, or any other state/country. They are listing this information based on a computer " probability '', and not based on any physical absolute, hard documentation with names/signatures. Image 3781 attachment : Is FROM XXXX. As you can see ... .NONE OF THAT INFORMATION MATCHES. Not my name, not my address, not even the case # 's of this mystery lien.This is unacceptable that privately held companies by the name of CREDIT REPORTING AGENCIES, in our country can just place things against consumers ' names, and WE ARE THEN LEFT WITH PROVING IT IS NOT REAL ... ..WHEN IT WAS NOT REAL TO BEGIN WITH!!!!!
I applied for an America Express Card but have been constantly denied credit. I filed bankruptcy ( Chapter XXXX & XXXX - I believe ) about 20 years ago, Amex was XXXX of the cards included in that bankruptcy. Back in those days, I was financially devastated. I have rebuild my life and my credit again, with XXXX score hovering above XXXX points. 
I believe American Express is holding my bankruptcy filing against me in denying me credit.
XXXX   is reporting misleading credit information information about me to Experian. My  Lease  was closed in  XXXX , and as of today 's date  XXXX  is still reporting negative information on my credit report dating to  XXXX .
I submitted a fraud dispute on XXXX/XXXX/2016. XXXX actually deleted the account from my credit report but Transunion failed to conduct a proper investigation and the account still remains on my credit report. It only took Transunion two days to complete my dispute request and states changes were made to my report but the account is still there without any changes.
On XX/XX/XXXX I responded to an offer from US Bank NA and processed a balance transfer with 0 % until XX/XX/XXXX. The First month payment was {$300.00} and I paid before the due date. Not too long after that I received a letter from US Bank saying that my account is going to be closed on XX/XX/XXXX and I should continue making my payments as usual. When I received the next statement my payment went up to {$690.00} with XXXX being the interest. I contacted US Bank and inquired why there is interest charge where my offer was no interest until XX/XX/XXXX ( and that was the reason I transfer my existing balance from XXXX to them and also paid balance transfer fee ). Today I spoke with the person who closed my account and she advised me that once they close a credit card they take away all promotions. I told her that non of that is in their disclosures and it seems to me they trapped me offering a promotion and getting my balances and closing my account charging 15 % APR. I asked her to reinstate the 0 % until XX/XX/XXXX according to their offer but she refused. The only reason I transfer the balance was because of the offer they sent me and US Bank must honor its Offer.
I had a " New Balance '' on a Capital One Platinum Credit card of {$340.00}. I paid {$380.00} in two payments before the due date of XX/XX/2018. I was charged interest on the New Balance despite the language on the credit card agreement which states that if the New Balance is paid before the due date, no interest will be charged. I called the credit card company but they refused my claim. I paid the balance on the account and closed the account. However, I feel the practice of the credit card company is illegal and is not typical of the other credit card companies I do business with.
I have a checking account with SunTrust bank. The last transaction that I made personally was a {$400.00} deposit in XXXX of XXXX. My statement ending XXXX XXXX, XXXX shows I have a balance of {$550.00}. I have made no transactions since. In XXXX XXXX I received a letter in the mail from SunTrust stating a deposit was made to my account in the amount of {$1400.00} and the letter informed me that {$800.00} of the deposit was not available for withdrawal. I made no such deposit. I went online and checked my account and found my account was overdrawn. I saw several transactions that were not mine and I immediately contacted SunTrust fraud to report this to them. 

During their investigation Suntrust found out that one deposit of {$1400.00} was posted to my account in error and they reversed this deposit. Suntrust credited my acount for {$4.00} which was the amount of the first fraudulent withdrawal from my account. The final fraudulent transaction was a debit of {$940.00}. Suntrust sent me a copy of this. It is what appears to be a cancelled XXXX XXXX XXXX check dated XXXX from someones account in Virginia. 

Today I received a letter from Suntrust Fraud that they are denying my case. 

I have all of my ATM cards which I have never used and all of my statements so I do not think someone stole a statement out of my mailbox. I have all of my checks as well. 
I really do not understand how this can happen. Suntrust Bank allowed a cancelled check from another bank that is dated cancelled XXXX to be used to withdraw {$940.00} from my account and Suntrust concluded that no error occurred.
In XX/XX/2015, I went to BestBuy during tax free weekend to purchase a laptop for college. At checkout, I was offered a BestBuy credit card and was told there would be no minimal payment for the first 12 months by the casher who signed me sign up for the card. I signed up and purchased my laptop through the card because it was a no brainer. Since I was going to college, being able to pay for the laptop overtime later on was helpful at that time. I moved to XXXX XXXX to go to college soon after. I did not receive any mailed statements from BestBuy while at XXXX XXXX because they were being mailed to my old address. It was not until I noticed a huge drop in my credit score that I looked into the problem and discovered it was the BestBuy/citibank credit card reporting that I had not made any minimal payments. I immediately called BestBuy explained what I was told by the cashier at their store when I signed up for the card. All the lady did was take off one month 's late payment. I went ahead and paid in full and closed the account. However, they are still reporting 60 days of " delinquency '' in my credit history which is affecting my credit reports and score. It has almost been four years since this happened and I have called BestBuy to try to resolve this with them several times. I have also filed multiple disputes through the credit bureaus but none have been successful.
XXXX XXXX XXXX continues to report incorrect to all three credit bureaus. I The loan in questions has been paid off for over a year. They continue to refuse to resolve this issue which has resulted in me being unable to refinance my home.
I have fallen on hard times and called your office yesterday to try to work out some arrangement that I could afford and was not offered any assistance. I borrowed {$1200.00} and have paid back {$1100.00}, however due to the interest rate being so high you have me owing a balance of over {$1000.00} still. I was told when I took this loan that after a period of time I would be able to refinance the loan and lower my payments. This was not true, I have attempted to refinance and the APR is the same 291 %. I would like to cancel my account and come to an agreement that works for both of us. I am a single mother and paying {$160.00} every time I get paid equaling to {$260.00} per month is unbearable. I have also mad large payments over the past few months hoping this would decrease the balance and it has not.

Kindest regards, XXXX XXXX XXXX
I have a checking account with BANK OF AMERICA I lost my card somebody unauthorized use around {$960.00} dollars from my account i make a claim I receive a notice indicating that the claim has been closed and that they dont found any errors ... I demand to receive any documentation that shows that this claim has been investigated the right way, pictures, cameras videos that shows who ever did this transactions I never authorize nobody to use the account and i never did this transactions..when a consumer open a new account by Bank of America , Bank of America 0 liability for unauthorized account promises and ensures that all consumers have 0 liability for unauthorized transactions and this transactions have been unauthorized and also who ever make this transactions has enter a invalid pin for 2 times as customer service representative just told me I demand to been provided with videos, pictures and invalid pin enter statement other wise charges to this bank will be made by the Nj division on civil rights and other consumer agencies relates I also would like to get this complaint public to other consumers and advise them about misleading ads that Bank of America is using to cheat consumers ... Zero Liability protection disclosures state if your credit or debit card is lost or stolen and you report the loss promptly you may not be responsible for fraudulent purchases made with your card
I have had many problems with Ocwen trying to work with my mortgage. I had a modification on my home in 2010 and it was never done proper. I tried to challenge the amount and got nowhere. So I just took the charge and continued to pay what they said I owed so we would not be homeless. Now, due to increased medical bills I have had some missed payments and late payments, and Ocwen has refused to work with me for over a year. I finally agreed to sell the house, if I could do a principle reduction so I could do a short sale and not be impacted with a huge loss. They notified me last week thru mail that my home is set for auction on XXXX XXXX in foreclosure sale. I explained again, my spouse is a verteran, XXXX, and I work part-time. I am willing to sell the house and start over, but I have no where to go and no money, with such a short notice. Medical bills are constantly increasing even with XXXX. I do n't want to throw all our money away that we have put into the house. They spoke with me on the phone and said I needed a CASH buyer or the house will be sold on XXXX XXXX. I asked them to please work with me for a half- short sale so we can get some relocation money. They said they want the house back first and then they will consider the relocation money. Can you please reach out and ask them to consider a mortgage reduction for a short sale or half short sale with a relocation package. 

XXXX XXXX XXXX
I reviewed my credit report and Credit Protection Association has been attempting to collect a debt for {$740.00}. This company is not licensed to collect any debt in the state of Florida..
We have a letter from Springleaf Financial showing that they reported our account incorrectly to the credit bureaus. WE were in a bankruptcy and in the process of having it dismissed when Springleaf started reporting our loan as delinquent even though we could not communicate with them. When we got out of the bankruptcy, we went into negotiations with them to pay them back. We paid them back when we sold our house in full. They incorrect reporting has continued to hurt us to purchase a home.
My homeowners insurance is billed monthly and held in escrow with Amerihome Mortgage. In XX/XX/XXXX, Amerihome failed to pay my homeowners insurance renewal. Amerihome claims that they did not receive the invoice. I did receive a copy of the notice that was sent to Amerihome describing cancellation for non-payment. However, when I went online to Amerihome 's website to see if the insurance still had not been paid, they showed that the insurance policy did not expire until XX/XX/XXXX. I could only assume that the premium was paid and that I received the letter after Amerihome made payment. Fast forward to XX/XX/XXXX. I had leak in my kitchen ( the water line to the dishwasher sprung a leak ). I called my insurance company to make a claim. They were unable to find my policy but took my information in case it was a glitch in their system. A couple of days later I found out that I did not have a policy in place because Amerihome failed to pay my insurance in XXXX. Amerihome told me to hold tight as they were going to get with my insurance company and have the old policy reinstated. After several days I received a phone call from Amerihome that my policy was reinstated and that I could move forward with making a claim to my insurance company. I did just that, only to find out that the policy was not reinstated and that Amerihome just mailed a payment for the premium with a copy of the renewal notice from XX/XX/XXXX that they claim they did not receive. The insurance company will not reinstate the policy 6 months after it was cancelled. I have spent 3 weeks on the phone with both Amerihome and my insurance company going back and forth to decide who would fix my home as well as get a new policy in place on my home now. Amerihome states that they aren't liable as they didn't receive the invoice and my insurance company states they aren't liable as there was no policy in place at the time of loss. I now have mold growing in my home and am allergic to it as well as being stuck with a $ 20,000+ repair that should have easily been filed as a claim and insurance would have covered.
Account was open XX/XX/XXXX and closed XX/XX/XXXX in good standing. This account should be pass it's 7 years of reporting on my credit report and still shows up. The balance was paid in full with no missed payments or late.