WillisBack/dataset-financial-user-claim huggingface dataset:
This debts should had been covered by the hospital as i was told. And other charges I paid them as much as I could for a 5 minute visit.
XXXX & XXXX are reporting inaccurate information. The account Global Lending Services XXXX was included in my Chapter XXXX Bankruptcy filed on XX/XX/XXXX. The account was previously reporting correctly but for some reason on XX/XX/XXXX They updated this account and now it appears as if i just missed a payment in XX/XX/XXXX. I've attached a screenshot of the report and highlighted the information which is causing this issue. I'd like this to be changed back to how it was, the account should not have any updates since the bankruptcy on XX/XX/XXXX. This is now making it appear as if i've missed a payment recently and is reducing my FICO score and affecting my ability to obtain credit. I've already tried disputing this information but it seems the credit bureaus don't even read my dispute and just simply have an automated machine do the work which does not understand the issue. This should be illegal as it allows credit reporting companies to get away with reporting inaccurate information affecting our credit approvals and interest rates.
I went to purchase a new vehicle and authorized the dealer to check my credit. I now have XXXX inquiries on my report although I only authorized XXXX. It has severly damaged my credit score. Equifax is showing XXXX recent inquiries.
Prior to XX/XX/XXXX, we accumulated over {$19000.00} on a credit card issued by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The account was in good standing, and minimal payments were paid in a timely manner. <P/>We valiantly tried to pay this amount down, with good success. The balance in XX/XX/XXXX was {$15000.00}, and by XX/XX/XXXX the balance was {$12000.00}. We paid that in XX/XX/XXXX, and the balance in XX/XX/XXXX was just {$150.00}. <P/>In or about XX/XX/XXXX, XXXX changed all open credit cards from XXXX to XXXX. This was done at their discretion, not at our request. We were informed that all XXXX were to be destroyed, and we were issued a new XXXX card with the same balance, credit limit, and interest rate. XXXX notified all XXXX customers that all accounts would be switched to XXXX. <P/>We continue to use the XXXX at a reasonable pace, and the amount owed now is about {$1300.00}. XXXX does not dispute any of this information, and we are in complete agreement that our {$19000.00} XXXX was paid off, that our account was switched at XXXX 's direction to XXXX, and that we now owe {$1300.00}, and we have paid our account properly. <P/>However, our credit report on Experian shows two open and active XXXX charge accounts. One is the now-defunct XXXX ( account starts with XXXX ... ) which no longer exists, and it shows a balance of {$19000.00}. The other is the current XXXX account ( starting with XXXX ... ) which shows the current amount of {$1300.00}. <P/>I have spoken with supervisors and representatives at XXXX for a couple of weeks now, asking them to remove the {$19000.00}, which they agree we do not owe, and which they agree is from a XXXX account which no longer exists, which was changed to a XXXX account. Each person told me that it is impossible for them to change the information. They said they have no means at their disposal to rectify an old mistake. They requested that I mail ( via old-fashioned US postal mail, not via an electronic method ) a " dispute form '' which, when it passed through their mail system and was assigned to someone, they would try to review the dispute. I refused, saying I would n't submit this complaint to get lost in their mail system, and most of all, because there 's no dispute. I also submitted a complaint in their forum for such issues, and " XXXX '' said she 'd review my problem. <P/>A woman named XXXX ( last name sounds like XXXX ) from the CEO 's advocacy office contacted me and told me my complaint was being " escalated ''. Her number is XXXX, XXXX XXXX. That was the last time I heard from herI have attempted to reach her on several days since, to no avail. No one from XXXX has contacted me. I spoke with Experian representatives who indicated that this should be a fairly routine matter for XXXX to correct. <P/>Our credit score and ability to re-finance our house are being affected, because XXXX shows that we owe nearly {$20000.00}, which we definitely do not. We do n't know where to turn.
I applied for an American Express Card and it was never sent our to me for almost 5 weeks. 

When I got the replacement card it never worked. 

I have had numerious issues dealing with the XXXX Call Centre for AMEX and I would like the card cancelled and a full refund applied to for {$440.00}
I get periodic robocalls that go through the whole routine of saying it 's about " an important business matter '' and just for me. It even waits for " 3 seconds so I can take the call in private. '' It gives the required warning that any information obtained will be used in the attempt to collect the debt. But it never identifies the debt or gives me any opportunity to provide any information. It only requires me to call an XXXX number. If I stay on the line after the number is given, it starts over again from the point of the 3-second wait. I have never returned the call, but I 'm getting fed up.
A negotiated settlement of  XXXX  dollars was accepted to payoff the auto loan and obtain title. A copy of the statement shows that the  XXXX  dollars was applied as a payment and not a payoff and the title was released. This occurred in  XXXX   XXXX  and a credit report pulled in  XXXX   XXXX  shows that a balance is still due. Since the  XXXX  dollars was applied as a payment and not a payoff, the interest clock is still ticking and and the  Servicing Supervisor clai ms that it is a deficiency balance.     Since the same servicing supervisor states in an offer letter that : "  Strategic Automotive Servicing will acc ept  XXXX  dollars as full and final payment and issue release of the title/lien. '' He has effectively has no claim to a deficiency balance.     The letter identifies the company, person who signed letter, name of the purchaser, VIN and auto description, and no mention of deficiency balance to carry over. Evidence of the transaction is also available. Also the title was released as per the letter agreement.
Regarding a Wells Fargo checking account - being an accountant I actually monitor the account throughout the day so I observe in real time how debits and credits affect the account. At one point in the day, when the account had something like a {$3.00} balance, Wells Fargo allowed a {$14.00} charge to go thru then bringing the account to a negative balance. There were not enough funds to cover this charge so it should clearly have been rejected. Nope, not at Wells Fargo who revels in making their earnings thru the {$35.00} fees assessed on their accounts. By allowing the {$14.00} charge to go thru and have the account go negative, they then assessed the {$35.00} fee.
These items appear on my credit report. Theses items we re d   ischarged in my bankruptcy years ago. These companies insist on trying to keep their information on my report. They are being spiteful.
ALL ITEMS WERE DISCHARGED   IN Chapter  XXXX  Bankruptcy :   XXXX   XXXX   IN ( old car loan )  XXXX   XXXX   XXXX  IN  ( I llegal collection. We had military orders to move but they still sent us to collections and harassed us non-stop, called us liars even though we were stationed  XXXX  miles away ) KINGS CREDIT SERVICES  ( medical bill )  I filed for bankruptcy due to post divorce debt that I could not handle on my own. I did this to restart my financial situation and these collections agency are too vengeful and spiteful to take their garbage off my reports. I do n't care if these do not affect my score, they still show as  XXXX  OPEN collections when they are NOT OPEN and have/show a balance of {$0.00}.     Disputes through the credit agencies have done nothing.
On XXXX XXXX, XXXX, I applied for a payday loan for {$2600.00}. I have been repaying that loan back since XXXX XXXX, XXXX. I have {$200.00} withdrawn from my checking account every 14 days. I can no longer afford to pay this loan. To date, I have paid {$4800.00}. I have paid back my loan and then some. I made 2 attempts to resolve this issue. I made the first attempt on XXXX XXXX, XXXX and the second attempt was made on XXXX XXXX, XXXX. I asked after the withdrawal made from my checking account was made on XXXX XXXX, XXXX, if I could settle this account with a balance of {$4800.00} because I can no longer afford the payments. They apologize and said they need all of their monies.
I refinanced my home on XXXX XXXX, 2014 with New Penn Financial. In the mortgage document that was executed was an automatic payment enrollment form that states that I can have XXXX Mortgage Servicing ( New Penn 's mortgage servicing arm ), withdraw funds from my checking account biweekly on the start date that I specify. I specified XXXX XXXX. ( By having funds withdrawn bi-weekly, I pay down the principal faster. ) XXXX did not withdraw on the XXXX but waited until the XXXX. I objected that the XXXX was out of sync with my payday and that I wanted the agreement honored. They stated that they only draft accounts on XXXX dates each month and that I had no choice what date they drafted. When I objected they took me out of the biweekly withdrawal program and charged me a late fee. 

I 've been paying biweekly on my paydays since but because I out of sync with their schedule they charge me a late fee plus I am not getting the principal advantage because they do not honor my payments a paying down the principal. To get this advantage they say that I 'd have to pay an additional XXXX up front. 

I want them to honor their agreement, deduct my account on the date specified in the mortgage agreement, and credit my account with principal pay down. 

I 've filed XXXX Better Business Bureau complaints and they 've failed to respond to either. 
They call to remind me that my payment is late every month.
ACCOUNT IS SHOWING ON MY XXXX  REPORT. THIS IS FRAUD AND WAS A RESULT OF IDENTITY THEFT WHICH I HAVE SUBMITTED POLICE REPORTS TO XXXX. THIS ACCOUNT IS NOT MINE. 

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
XXXX/XXXX/17 I submitted a dispute to transunion regarding tax leins that are still being reported on my credit report, they have refused to remove these leins from my report. It is my understanding that as of XXXX XXXX 2017 these items can no longer be reported by credit reporting agencies.
I want a account that is fraud reporting to credit file to be removed ASAP. No signed contract. No signed agreement. Not mine. The company Portfolio Recovery has placed their information against my social security number and it 's causing great harm to my credit report. I have tried to explain to this company that this joint account ( ending in XXXX ) is not mine I have not signed a contract with them. This account is fraudulent and was made on the internet without my consent. I tried to explain to this company via online and through the credit reporting agencies that this does n't belong to me or the joint party involved. They only sent me a bill with no signature on it. No copy of terms of the agreement per my request. no transaction history and limited billing history which shows some crazy balance amount. This is on my credit profile and it is holding me up and it 's not my responsibility. This company is a scam and does n't care about consumer rights. I am not able to pay this account as it 's not mine.
Sentry Credit INC XXXX, WA. This company bought my outstanding loan from CREDIT BUREAUS which is XXXX years old. Added interest to my balances and trying to aggressively collect the debt saying they will make sure the collections remain in my credit reports for another 7 years.
This creditor failed to close my account after the debt had been paid off. It took them 6 months so move the status to closed and it still continues to show negatively on my  credit score.
We used a Home Depot credit card with a 6 month no interest. We were leaving for XXXX for two month during the winter and paid the card off. When we returned to XXXX we checked our mail and we had a late fee from Home Depot ( Citi ) on a zero balance which in turn had another late fee on the first late fee. So when I called the XXXX number and enter my information the automated system tells me " this is an attempt to collect debt '' ... first of all I 'm the one that called!! ..This would have been a lot easier if they would have called a month ago. I told them that I had paid the card off and was out of town not expecting any problems. We paid the card off on a Sunday which the payment went through on a Monday. They told me when I paid it off, the payment should have been made on the Saturday but the payment would have still been made on the Monday. They made me pay a {$27.00} late fee saying that they took XXXX off but how can I get a late fee from something that has a ZERO balance? What they are doing is charging people and then keep charging them without even contacting them so they can keep making more money! ..I paid the money and closed the account in which they did n't care. They tell me ok we 'll send you an e-mail with the closing information ... wait..what? They can e-mail without even asking for my e-mail because they already have it on file but they ca n't e-mail me XXXX tell me I 'm incurring late fees?? These people are crooks and the Home Depot has lost all my business because of them!! Funny thing is, is you ca n't talk to Home Depot about it!
I received an offer from Citi Bank. The offer stated that if I opened a new Citi Gold Checking account and used their bill pay function on the account for two consecutive months then I would receive a promotional offer. The promotional offer was for XXXX thank you points. I signed up for the new account and I met all of the requirements to get the bonus offer. I also sent them XXXX direct messages on their website asking them if I had done everything I needed to do to get the offer. They assured me XXXX times that I had met all the requirements and that I would be receiving the XXXX thank you points within 90 days. I waited 90 days and I never received the points. I just contacted them again and now they are saying they are not going to give me the XXXX thank you points like they promised they would.
According to all XXXX credit report they have XXXX XXXX XXXX MA XXXX associated with my credit report and in 44 years I have never lived in MA. Therefore I like it investigated and also on XXXX and XXXX Reports they say there is a mortgage in my name associated with this address and I have never opened a mortgage.
all credit bureaus have hoarded my info, with out consent. 

Please provide me the XXXX XXXX XXXX with the Original Contract with wet ink signatures that granted you my permission to hoard my personal information. Failure to provide this contractual agreement to Consumer ( me ) constitutes a privacy right violation according to the Privacy Act of 1974.
The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! 
Consumers have grown tired of the false and misleading practices you have portrayed, damaging my reputation and wellbeing!! Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). 
Dear XXXX XXXX, Please provide me the XXXX XXXX XXXX with the Original Contract with wet ink signatures that granted you my permission to hoard my personal information. Failure to provide this contractual agreement to Consumer ( me ) constitutes a privacy right violation according to the Privacy Act of 1974.
The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of XXXX due to XXXX being a publicly traded company! 
Consumers have grown tired of the false and misleading practices you have portrayed, damaging my reputation and wellbeing!! Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). 

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After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW is the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open : XX/XX/2017 Balance : XXXX Below are fraudulently unauthorized inquires on my report : Company : XXXXXXXX XXXX Date : XX/XX/2017 Company : XXXX XXXX XXXX Date : : XX/XX/2017 Company : XXXX XXXX Date : : XX/XX/2017
Around XX/XX/XXXX I asked for verification for Senex Services reporting on my credit. First of all it took more than 30 days for the credit bureaus to even respond to me. When I contacted them they told me that they verified the information with Senex services and that they were within the law to report what they had on my credit bureau. Well Senex Services sends me a letter that is in violation of my XXXX rights and its illegal for the credit bureaus to even be reporting Senex Services on my file.If in fact the attached is what was sent to ALL 3 credit bereaus..XXXX, XXXX andcXXXX. I demand that Senex Services removes this from all three credit bureaus immediately.my medical information was NOT TO BE shared with a 3rd party nor these 3 credit bureaus.
I am XXXX years old ; I was XXXX at the time of my wife 's death on XXXX XXXX, 2014. I contacted Capital One to close my wife 's account. I was not a co-applicant, but an authorized user. I was advised that I could then have a credit card and my wife 's account would be cancelled due to her death. However, her account was not closed, but they replaced me with my wife as the primary card holder. Capital One is now holding me accountable for XXXX of debt that should have been cancelled upon my wife 's death. I live on a fixed income and can not not pay. As an authorize user, I used the account thinking I had a clean slate ; I have tried to rectify this for two years. I have struggled to pay them {$400.00} each month, while waiting for resolution, that never came. They are not able to produce the original application, which will revealed that I was never a joint applicant and did not apply for this card. Please provide any assistance that you can.
I had set up automatic payments with my mortgage specialist XXXX XXXX. A payment was to be taken out on XXXX XXXX, 2016, but had not been taken out. I called Beneficial today, XXXX XXXX, 2016 to question why the payment had not been taken. I was informed by the representative that an attempt was made on XXXX XXXX to draft the money but was returned insufficient funds. I advised the representative that could not be true and requested a conference with my bank. My bank informed the representative that no attempt was made to withdraw the funds and that more than enough funds were available. The bank verified the account number and it was established that Beneficial did have the correct account number. I was told by Beneficial that they would not attempt to draft the funds again, I could not make a payment over the phone, I discovered that I could not make a payment online and that there is not a local branch were I can go in to make a payment. I was told that I could only make payments with a certified bank check. I have been on automatic payments for at least XXXX years, and I have not had a payment returned for insufficient funds. I asked to speak to a supervisor and I spoke to XXXX who said I would have to get a letter from my bank. I am not sure why I would have to get a letter when the representative called my bank and spoke with a bank representative who confirmed that a payment was not returned for insufficient funds on XXXX XXXX, 2016.
I called Rushcard to dispute a charge on my account. The woman said it would take approximately 90 days to handle the dispute. She said it would be faster to get my daughter to give me the {$88.00} back which was the charge amount, because it was from her insurance making the charge to my account. I had previously paid my daughter 's Insurance the month before and apparently the insurance company had went ahead and took out her insurance charge again the next month. Then the woman proceeded to say that she had to cancel my card and that it was standard procedure. I told her that she could not cancel my card, because I had a direct deposit coming through the next day that I needed and that I needed my funds to take care of my bills and my children. I told her not to cancel my card. I told her several times not to cancel my card and that I needed my funds to take care of my family and my bills. I told her she better not cancel my card. She kept saying she had to cancel my card. I told her I needed to speak to her supervisor. After all the time she spent on the phone saying she had to cancel my card she never really handled what I called about which was disputing the insurance charge. After I was on hold for a long time I talked to the supervisor who checked my account and said that the card had been cancelled by the previous woman she then proceeded to tell me that it would take 7 days to get me another card ; however, she could charge me {$30.00} to get me an expedited card which she would take out of my direct deposit when it hit the next day. My complaint is that I never wanted my card cancelled in the first place I told the lady that I intended to cancel my card myself after I received my direct deposit and that I did not want her to cancel my card and that I would do it myself and that I feel I should not have been charged {$30.00} for an expedited card when I did not want my card cancelled in the first place.
Experian is refusing to investigate and remove accounts from my credit report that do not belong to me.
Caller called from a local ( XXXX ) number. I called back, thinking it was a parent of XXXX or one of my son 's teachers. Caller attempted to get my address, would not say who they are, hung up. Called again, individual who answered disclosed company name and address. Company is located in Illinois. She asked me to verify an address, and I complied, telling her my current address. She then gave me the Mini Miranda after I disclosed my personal information. Said they are calling on behalf of XXXX ( company that bought the debt ). They refused to give me contact information for this company, even when I talked to a manager. The manager stated that I could " look the company up on the internet. ''
I contacted BMW Financial Services about the late reporting on my credit report. The representative was nice, he let me know that the late is going to removed if I wrote in a letter explaining my situation and he did let me know that i do have the assistance on my file. He said he was going to help me. I ' am a disaster victim and I had the disaster assistance on my account. I had the late reporting with BMW on XX/XX/2018. After the investigation was over BMW Financial Services did nothing for me I called spoke to a supervisor her name was XXXX, She said they wont do anything, because they don't care about the circumstances that I was in. This is extremely upsetting and I'm very disappointed of the out come .I had to do what was safe for my family and evacuate from the situation.