WillisBack/dataset-financial-user-claim huggingface dataset:
My husband was primary card holder and always addressed as such. I am not a co-signer of this card and there fore not responsible for this card. Since XX/XX/XXXX which was opened in primary card only in his name. In XX/XX/XXXX-XX/XX/XXXX Bank of America added my name to his bill. My husband was fighting XXXX and I was not aware of my name being added nor did I authorize Bank of America to add my name. When my husband XXXX XXXX XX/XX/XXXX sent XXXX certificate to them. I have contacted them many times of their XXXX  and I am not responsible but they insisted that I was responsible. I have been sent paper work from collection agency that was on XX/XX/XXXX. The next communication was from Superior Court that I have to file an Appearance with the court by XX/XX/XXXX which I have done. 
Please note I have mailed out documents by Certified Mail addressing to OCC regarding this complaint, you should be getting it if OCC forwards this information
I got a loan through XXXX XXXX XXXX on XX/XX/17. 

I filed for Chapter XXXX Bankruptcy in XX/XX/2017. The vehicle loan was excluded from the plan. ( Proof attached ). Timely payments have been and still are being made. 

Since that point the loan, on my credit report, has continually showed incorrectly. Some months it shows that it is closed. Some months it shows as being open, but no balance, no payment information. Some months it shows open but being part of bankruptcy. 

Currently, it is not showing anywhere on my XXXX  account ( it isn't shown as open, it isn't shown as closed, etc. On XXXX  it is showing as closed, 100 % paid off, but no payment information ( Highest Balance = {$0.00} ) - XXXX  screen shot attached. 

I disputed with XXXX  on XX/XX/XXXX & XX/XX/XXXX ( via XX/XX/XXXX website ), details attached. I also disputed directly with XXXX  on XX/XX/XXXX ( details attached ). 

In all cases, " changes '' were made to the reporting, but the changes were still inaccurate and the following month the reporting changed ( sometimes reverted, sometimes to something completely different ).
XXXX XXXX continues to report this account and it should be removed since it was first reported on XX/XX/2011 and should come off in 7 year window. XXXX accepted an amount lower than the amount owed in a collection agreement but still continues to remove this account from my credit report. I have previously disputed as being paid and they refused to remove this and instead listed status as Updated in dispute. When I went through the collection process, I was informed that if I paid off the amount being requested, this would be removed from my credit report once paid and it has not been.
XXXX  repossessed my car without notification ... I wa s 30 mile s from home on a cane, in a handicapped spot with handicapped plates. I was very late getting home ... almost did n't get home.
They called and pretended they were XXXX and offered to cut my bill down in XXXX if I opened up a debit card called NetSpend and paid my XXXX bill with it. They had all my information ; address, last XXXX of my social, what package I had, my monthly bill, etc. I called XXXX and they said they were not affiliated with NetSpend and that they are a scam.
I applied for a new Citi AAdvantage Platinum Select Mastercard on XX/XX/XXXX. 

I was instantly denied for the following 2 reasons : 1. Too many recent credit inquiries are recorded on your credit bureau report ; and 2. Your credit report reflects a lack of recent installment loan information I feel that I have been discriminated against by Citi and my credit application has been denied on frivolous grounds. 

I have a superior FICO credit score of XXXX, and a relationship with Citicards that spans over 10 years. My accounts have always been in good standing. 

At the time of application, I only had 3 hard inquiries in the last 6 months, 1 of which was in XX/XX/XXXX for the same Citi Mastercard application as the one above. 

I fully own my house, and naturally would not require any installment loan. I should not be penalized for this. 

Despite repeated attempts to contact Citi for a detailed explanation for the denial, no additional information has been provided.
Contacted neighbor by phone, despite not having permission or information by debtor to seek contact via this party.
i was charged an overdraft fee twice by bank of america when i did not sign up for the protection. One of the fees was for a debit transaction for netflix on XXXX/XXXX/2016 On or about XXXX/XXXX/16, I was charged an overdraft fee for a check. The check was paid even though i had a negative balance at the time, and i paid to stop the check.
My name is XXXX XXXX XXXX I bought a car from XXXX in XX/XX/2015 got the loan from santender. The first week I had the car the check engine light came on so the car went into the shop so every month I had the car it was in the shop until the engine final gave out and they didn't want to pay {$7000.00} for a mother so they sold it and left me with the remaining balance. Since then my life has been a living XXXX I'm homeless living in a tent outside with my son I can't get a place because my credit is bad I can't get a job nothing
I was recently notified XXXX & XXXX XXXX placed a mark for collection on my credit and I have no prior remembrance of this billing.
Equifax refused to correct my credit file from previously deleted information. Deleted files were removed in XXXX, XXXX, and XXXX. XXXX XXXX helped me to correct my Equifax report so the information had to be verified through Equifax as well as the company. Not only that, I called to have the security freeze removed for thirty days they refused to do so unless I gave them a XXXX. To me, I felt discriminated against because other consumers never provided this form or other forms. I sent in my social security card, proof of address, and drivers license. The documents were provided three times with the correct information. In addition, Equifax had my address for the last twenty years, and I received a report with four different addresses listed. I submitted proof of my address and this should be corrected immediately. Finally, I reported several times to Equifax that XXXX XXXX  accounts were removed.
I have a private loan through Navient which they took from XXXX XXXX. I finished XXXX XXXX in XXXX and was told I had already used my deferment, though I was not aware of this, and no one was able to tell me when I had used it or give me details regarding it 's use. They simply stated " it had been used '' and refused to provide further detail. Because of this, when I was unemployed and trying to get a job ( waiting on paperwork from the Board of Counselor 's to come through ), I was missing payments. I called as well as answered when they called, several times and asked if there was any deferment or forbearance or anything available and was told there was not. I was yelled at by the employees of Navient multiple times, interrupted while speaking and then at another time essentially told they could n't do anything so I should simply cease to answer the phone. I finally called the main office and reached my " case manager '' and was told if I made a payment that month my account would not be sent to collections and we could start on a manageable payment plan the following month. I paid the requested amount, and a week later was receiving calls again ( the month had not changed ) stating that the previous amount " simply brought [ me ] current '' but that I needed to make an additional payment. I expressed that I was informed by my case manager of the amount required and that I had already paid that, to which the response was that it was not enough. I called the following month to set up the payment plan and was given an amount that was not " manageable '' as I had previously been told. I was informed this was my only option without a credit check, review of my finances, and review of my co-signer 's finances. I informed my case manager that I would speak with my co-signer and we would determine our next step. She then called another individual, who was NOT my co-signer, but simply a reference on the loan, and left a voicemail speaking about my private loan information with someone who was not on the loan. I have a copy of this voicemail.
XXXX fraudulently billed me for procedures that were not performed, agreed to by myself, or authorized by the XXXX. While we have demonstrated that we payed the quoted price for the procedure, XXXX committed an anticipatory breech in this billing. 
After multiple attempts to bully us into payment, they have once again submitted this to another collection effort, a year after our last settlement of issues. 
This is causing us stress, time, money and unnecessary distraction. I am uploading the documents that should settle this once and for all, but please be advised that my files are complete and intact if you require any additional evidence of " intentional fraudulent billing practices ''.
their is an address of XXXX, Md XXXX that does n't belong to me! i have never lived on that street or in that location. 
would like for it to be removed also discover account that is open and i 'm an authorized user! i have no clue! 
thank you
On XXXX I tried withdrawing money from a Santander Bank ATM in XXXX at the XXXX XXXX XXXX XXXX but the money was not dispensed. After getting home and noticing that the money was debited from my account I called on the XXXX. I filed a claim with a rep on the XXXX the claim number for this call is XXXX. After calling back a few days later I was told the claim was closed and that it was determined that the money was dispensed. The representative then told me that there is video evidence that proves the money was dispensed and that the video will be sent to the nearest branch so that I could see the evidence for myself. This call happened on Saturday the XXXX of XXXX. The representative told me that another representative would call me on Monday the XXXX to give me an approximate date for the arrival of the video. I was n't given a reference number for this call as it was a response to the first call. I then called today the XXXX of XXXX to check on the status of the video being sent because I did n't receive a call from the representative and I am obviously anxious about my {$200.00} being lost and equally anxious to see the video. The new representative on the XXXX told me that she could not promise I would get to see the video because it is private property of Santander Bank. She proceeded to reopen the claim and gave me a new case number : XXXX. I am willing to take the case to small claims court to be provided the video evidence. I 've been banking with Santander for over a year now, have used their ATM many times and have never put in a claim. Why would I all of the sudden need to fake a claim for {$200.00}? All I ask for is to be given the video evidence I was promised. I do believe in the mantra innocent until proven guilty.
I had a CT scan performed in an emergency room on XX/XX/XXXX. I received a bill for {$130.00} ( Account # XXXX ) from XXXX XXXX XXXX XXXX XXXX ( contact information listed below ). On XX/XX/XXXX I made a payment of {$75.00}. I later received a collection notice from XXXX XXXX XXXX XXXX ( contact information listed below ) stating that I owed the original balance of {$130.00} ( Account # XXXX ). I checked my credit report and saw that this collection was listed as a derogatory mark on my XXXX  credit report. I contacted the service provider and paid my remaining balance of {$55.00} on XX/XX/XXXX. I then contacted the collection agency and informed them that my bill was paid. A month or two later ( I'm not exactly sure when ) the derogatory mark was removed from my credit report. In XX/XX/XXXX, I started receiving calls from this same credit agency. When I spoke with them, they informed me that they were attempting to collect the balance of {$55.00} for this same account. I informed them that the account was paid on XX/XX/XXXX and they stated that the service provider showed that I had a balance due. I contacted the service provider personally and confirmed that the account was paid. I was given Transaction ID # XXXX. I called the credit agency back and gave them this information and told them to stop calling me. The representative assured me that they would confirm the XXXX   balance with the provider. I printed a copy of my account breakdown from the provider 's website that showed a XXXX balance and mailed it to the address on the collector 's statement. Later in the month, a derogatory mark appeared on my XXXX  credit report for {$55.00}. I contacted the creditor again and demanded they remove this mark from my credit report. I provided all of the pertinent information ( dates, transaction numbers, etc. ) to them again. The representative assured me that they would confirm with the provider and remove this mark. The mark has still not been removed. Today ( XX/XX/XXXX ) I contacted the collection agency again and they said they contacted the provider and were told that I had a balance. I told them that this was untrue because I spoken with the provider on more than one occasion and confirmed that my account was paid. They refused to remove the mark on my credit report. I am mailing a copy of my account statement again showing a zero balance to them, however, I feel that this should not be necessary. I was able to confirm my account has been paid with a simple phone call that took less than 5 minutes. In my opinion, this collection agency is not contacting my original service provider to confirm my account as they have been stating and are purposely misleading me to try and collect money from me that is not owed. -- - Contact Information : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, IN, XXXX, Ph. # : XXXX -- - Contact Information : XXXX XXXX XXXX XXXX XXXX, Location : XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX, Mailing Address : XXXX. XXXX XXXX, XXXX, TX XXXX, Ph. # : XXXX -- - I have uploaded a copy of the account breakdown that shows a zero balance.
this company has financed a vacuum for me but financed the wrong amount. the XXXX I purchased was {$1600.00}. The amount they have on my account is over {$2000.00}. I don't want the vacuum and I want them to stop trying to make me pay for something at the wrong amount
These accounts need to be deleted because they are not mine and they have not been validated. I have disputed these accounts with Experian numerous times. The response I get back is that the information has been 'verified '. I contacted each one of these collection agencies and I never received a response from the collection agency to 'Validate ' the account. With that being said I am sure that Eperian did not get a verification from the collection agencies pertaining to the collection agencies on my credit report that do not belong to me. XXXX is not a way to verify an account. I requested there '' method of verification '' meaning who did the physically talk to at the collection agency. I want to know what paperwork Experian have showing that this account was validated and verified. The person they spoke with, what department, what day and time, and the paperwork they have showing ownership of the collection account.
I was trying to refinance my mortgage on my condominium with Bank of America at the end of XX/XX/2018. Once the appraisal was done and non-refundable, they started playing a " war of attrition '' by constantly bringing up more and more questions about my condo association. Questions were asked and answered only to have more questions come up. Our association board president filled out a questionnaire and that wasn't good enough. After two months of this, I gave up at the end of XX/XX/2018. I have asked that my appraisal fee be returned but I get no response. It was clear that they were not acting in good faith and once they got a little over {$500.00} out of me, then the games began. Phone calls went unanswered. Complaints filed on their company web site went unanswered. Closing dates were set only to have them stopped at the last minute to ask more condo association questions. Bank of America is fleecing people trying to refinance condominiums because they know that the credit market is so tight for condos that they can get away with it.
Hello My Name is XXXX XXXX. I have read under the new law effective XXXX XXXX, 2017 any public records data must include name, address social security number and date of birth in order for it to appear in your credit file. The credit bureaus had not updated the information and per new law true bankruptcies listed does not include this information and should be deleted from my credit report. I 'm not sure whats going on but please help. Thank you, XXXX XXXX
I consolidated my loans originally in 2007 for a certain amount. After I consolidated and signed my consolidation papers, the servicer added an additional {$100000.00} into the consolidation without my knowledge or approval. Now Im being forced to pay for loans that I didnt take out.
On about or about XXXX 2019 I applied for a new loan with XXXX XXXX, they denied my loan but sent me to One Main they might help! I applied and was subsequently denied by One Main.Since then everyday i was getting letters from One Main saying my loan was denied and that i could request specific reasons Up until today i disregarded these multiple emails Today I received another email saying my loan application was denied TODAY I made no such application .Once i realized what they were saying I called ONE MAIN i was treated rudely They refused to let me speak with a supervisor.They said the application was made in my name with my real social security number.and then they hung up I contacted XXXX XXXX they said there was nothing they could do .If they realized my personal information or did not protect it that must be rectified.XXXX XXXX said they are investigating it.XXXX XXXX should be held accountable for partnering with a scam lender
FYI - THIS COMPLAINT IS SEPARATE & DIFFERENT FROM THE PREVIOUS COMPLAINT TODAY.., SO THERE IS NO EXTENSION OF TIME TO INVESTIGATE. THE CLAIM OF SUCH WILL PROVE TO BE A BLATANT VIOLATION OF FRCA RULES ... 

Equifax RE : # XXXX, states a fraud alert was added to my file that I NEVER requested. This violates the FCRA and my rights ...
I leased a XXXX Honda Odyssey from Honda Financial Services. I have sent them a promissory note for ocer of {$43000.00}. Now the company says they habe no record of my note and has not credited my account. I have had to result to pay with federal reserve notes instead. I am asking that since my promissory note was not returned within the alloted amount of time that my account be credited if the promissory note was was deposited and the debt should be dischsrged if the note is not accepted.
I am disputing the following hard inquiries on all my credit reports to include XXXX experian and XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX IXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXI did voluntarily submit my info to XXXX for refinancing my XXXX chevy chevy cruz. I did not authorize any others above other than XXXX XXXX. Ialso am disputing all hard inquiries on all my credit reports with all bureaus with the exception of XXXX. that was my auto loan. I do want to dispute whyXXXX XXXX XXXX is on there more there more than once? Please look into thisas I do not know or have not authorized places like XXXX, XXXX, XXXX, etc to pull my credit. Me and my wife had to amend ourtaxes for tax year XXXX due to identity theft. I am a veteran of this countryand would like to see these stricken from my record.
XXXX has a collection on my credit files from a debt that is outside federal obsolescence and that has been cancelled by XXXX. When I contacted XXXX to discuss the debt they said they could not speak to me about it as the debt was cancelled. They sent me a copy of a XXXX showing cancellation of the debt. 

This is a violation of my rights under the Fair Credit Reporting Act. XXXX can not report an active collection balance for a cancelled debt that I am unable to even discuss. I have attached a letter that I sent to XXXX along with their response.
I had previously filed a complaint regarding BMW Financial and my car loan. Although they provided an accounting record and a copy of the contract, it was never made clear at any point that the deferred payments would be due in a lump sum. The terms at the end of the loan were not clear and fine print language that was never explained. The terms were not explained to me when I was offered the opportunity to defer the payments. While I was awaiting a response and reaching out to BMW in response to a letter from them, when I called I was told that my account had been charged off-while I was awaiting a response to my complaint. My credit had been further damage and my loan charged off, while I was told BMW was researching and would contact me. 
In addition, my balance due amount has drastically increased and I am concerned as to that calculation.
Equifax is charging consumers XXXX $ for 30 days of credit monitoring. The issue at hand is that the website area that allows you to dispute and check on the status is not working correctly, so we are all being charged for a service that is simply not being provided. I have called 4 times trying to resolve the issue and nothing is being done about it. Second issue is they are not updating the credit reports accurately even after all disputes have been resolved. They are taking advantage of the American people and something needs to be done about it. Thank You
This is being sent in response to notices sent to me from " XXXX XXXX XXXX '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be  advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.