WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2015 I contacted XXXX XXXXXXXX, requested the balance on my account and the balance required to pay for my phone equipment in full. I was told that I needed to pay {$860.00}, and I paid the same. I immediately switched my phone plan from post paid to prepaid. I made the decision to pay for my phone equipment in full and switch to a prepaid plan because I wanted more control and predictability of my phone bill. I was not allowed to switch to prepaid unless I paid off the phone and my account was current. I am still on the pre-paid plan. Sometime after settling my post paid account, I was contacted By XXXX about balance due, and I explained that I had already settled the account. Nonetheless, the debt was posted on my credit report. The debt has now been sold or assigned to United Collections Bureau , Inc. ( UCB ), and they are seeking to collect behalf XXXX. I would like to United Collections Bureau , Inc. to stop contacting me and have XXXX XXXXXXXX, its assignor, remove the inaccurate from credit report. The balance XXXX XXXXXXXX seeks to collect is {$440.00}. I elected to be on the paperless plan and did not receive paper account statement at time the account as paid in full. The prepaid plan that I am on currently does not provide any type of monthly statement, neither electronic or paper. Therefore, when I log into my account, I have no access to my online statements for now or any time in the past. I have requested a payment history in the past on more one occasion and was told by XXXX XXXX that it would be sent. However, I have never received one. Lastly, I made a XXXX upgrade offered at the time. XXXX and UCB should verify that my account has been properly credited for my XXXX upgrade whereby credit from the old equipment is transferred to the new equipment. I am attaching a credit card statement to prove I made the payment described above to XXXX XXXX. I am also attaching an email sent to me by XXXX that a XXXX credit of {$400.00} would be made to my account. I am not sure if said credit is the root of the discrepancy, but the dollar amount is very close to the balance reported.
I receive calls mutiple times a week on my cellphone. No voicemail is ever left and they call from a blocked number. When I don't answer they then call me at work after I have asked them not to call me at my place of employment. My last contact with XXXX on both my cell phone and at work where again I told them not to call was on XX/XX/2018 at XXXX EST
I have filed a complaint on XXXX/XXXX/17 # XXXX. You show that a charged off account with a balance. You responded : The balance for disputed XXXX account XXXX has been updated to zero on the Equifax credit file. I received a copy of the credit report on XXXX. It still shows a balance. You must delete the account immediately under the FCRA rules. Your investigation is completely false. If this account is not removed forthwith, I will file a lawsuit against your company for reporting false information. Attached is the proof.
AS OF XX/XX/2018, I'VE BEEN TRYING TO REPAIR MY CREDIT REPORT FOR ALL THREE CREDIT BUREAU. I GOT A HARD INQUIRY FOR A COMPANY I DON'T KNOW ANYTHING ABOUT. I NEVER APPLIED FOR A CREDIT CARD OR ANYTHING WITH THE AIRLINES. THE COMPANY IS CALLED XXXX/XXXX XXXX XXXX/XXXX.
In 2014, I opened an American Eagle credit card. I paid the first bill right away. This first bill was sent to the address of XXXX, MA XXXX. Then, my family and I moved to a new address which is XXXX, which is also in XXXX. After this occurrence, I never received a bill after that. Until recently, I received a bill ( letter ) which was from a company called " XXXX '' which stated that the XXXX Inc, Visa card account was moved to a different agency called " Synchrony Bank. It also informed me that the account was seriously past overdue with the bill of my total balance that was due, which I paid immediately. But the problem was that I never received any bills, letters, or phone calls between the time of these two bills, so how could I have paid the unsent bills. Synchrony bank never sent me a bill since I received my first bill, until the one that was most recently sent. 
I was filled with confusion on what has occurred and why I never received those bills. So I called customer service of Synchrony Bank. The representative I spoke to told me that my account was totally shut down. I also asked when I first received the bill and at which address, she responded with XXXX , and it was received 2 years ago which was correct. Then I asked for the new address, and she told me the new address was XXXX, which was incorrect. The address was actually XXXX and not XXXX. The representative said someone at the company put in the address incorrectly, and the system saved an incorrect input that Synchrony bank inserted. This meant that I was not at fault and Synchrony bank was the one who inserted my address incorrectly, causing my credit score to fall. 
After the call, I sent a dispute letter to Synchrony Bank which stated the mistake that they made. Synchrony Bank sent me a confirmation letter back stating that they have verified the account being paid in full. It also stated that " we have contacted the consumer reporting agencies XXXX and requested that your account record be updated to reflect the status : account Paid in full, was a charge off ''. So again I called Synchrony bank asking if the letter was actually sent because I have received no further information in over 2 months. The representative told me the update status was sent, and the account was updated to fully paid. 
In conclusion, I still see no change in my credit score. Nothing has even occurred or even updated to my credit score.Synchrony Bank inputted my information in incorrectly in the system, due to this mistake I have to suffer the loss of my credit score. My credit score remains as it was when it dropped.
I applied online for a Home Depot Home Improvement Project Loan in the amount of {$20000.00} on XX/XX/XXXX which was approved for {$10000.00}. At that time I accepted the loan and electronically acknowledged the loan approval and was provided a loan number with my loan approval amount. The system notification also stated that I could request an increase through the company 's XXXX number. On XX/XX/XXXX when I received my kitchen project final quote from Home Depot, I attempted to increase my loan to {$20000.00} but was told by the rep that an increase could not be approved but that the original approved amount of {$10000.00} would be available. On XX/XX/XXXX I presented the loan document and a cashier check for the project difference to the store and the loan was blocked. I spent over 90 minutes in the store at the register talking to the loan customer service department Account Supervisor who stated that the previously approved loan was loan was blocked for " income verification '' and that I would have to provide proof of income. The options offered were check stubs for the last thirty days and income statements. I am self employed and happened to have with me copies of XXXX checks paid to me by the consulting company that I work. I was told that those checks were unacceptable because they could not see any taxes being withheld from the payments, and that if I was self employed I would need to provide my XXXX or tax returns for XX/XX/XXXX. I asked the loan customer service rep repeatedly ( more than three times ) why I was approved for the loan but never informed that it was contingent upon " income verification '' until I came to the store to make a purchase, only to be denied credit at the time ( 5 days later ) of my purchase. I received no phone call, email or regular mail to notify me of this situation. Ironically, when I returned home from the store the home improvement project loan card had arrived via fedex to my home. The following day I had to provide copies of my tax returns to the loan customer service department, and only then was I granted access to the credit for which I was originally approved on XX/XX/XXXX. I still was not given a reason for the block on the original approval. I am deeply concern that there was no notification policy or real approval process for actually obtaining credit offered.
In  XXXX  of   XXXX   I filed for a chapter  XXXX  bankruptcy which included  XXXX   XXXX   XXXX  as a creditor.  XXXX   XXXX   XXXX  continued to email me asking for payment and harassing me even with an automatic stay in place and after my attorney sent them the paperwork. Instead of updating the account with " included in bankrupty, closed, {$0.00} balance '', they sent the account to collections. The collections comp any Monterey Collection Services has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted Monterey asking them to re move the account and they said they will not. My attorneys have contacted them showing the account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.
I never took out any loan with company or agency that the   XXXX   XXXX   XXXX   collects on behalf of. I was attending college at the   XXXX   XXXX   XXXX   when my  GI Bill erred   and did not pay for part of my tuition as it was supposed to. Rather than contacting me about the error, the   XXXX   XXXX   XXXX    sent the debt straight to collections at t he State of Maryland 's    XXXX   XXXX   XXXX    <P/> I have tried to dispute this debt as being unfair under the FCRA. The   XXXX   XXXX   XXXX    tells me that it doesnt have to comply with the FCRA and FDCPA since it is a state agency. T he State of Maryland    XXXX   XXXX   XXXX   continues to report this as a collections account to Experian and  XXXX .  <P/> Had t he State of Maryland done  the right thing and billed me before sending the debt to collections then I would have paid the debt in full immediately.  <P/> I have tried to resolve this issue with   XXXX   XXXX   XXXX   on multiple occasion but was not able to. There is a  XXXX  balance on the account.
On XXXX XXXX, 2016, I instructed Citibank to close a secured credit card that I had with them. At the time of the request, my account has a zero balance, and had not been used for close to two months. Subsequently, I received a letter dated XXXX XXXX, 2016 acknowledging my request. It stated that the account in question has been closed. What followed is the reason for my complain, because it stated that it will refund any credit balance within 90 days! 
It took them a day to close my account, they knew then and there that I owed them nothing, there were no pending charges. My question is why does Citibank confiscate my money, use it without compensating me for it. Why does it take more than a few days to return a deposit? Why are institutions such Citibank allowed to extort people 's money? It certainly would n't take that company that amount of time to take me to court, or at least have collection agencies hounding me, or better yet, report my account to all credit bureaus in order to wreck my credit. 
I contacted the company on XXXX XXXX, 2016, 15 days after, and I was told that I had to to wait XXXX to six weeks from that date. The agent confirmed that he had no idea when the refund will be sent, so did his supervisor. 
It is clear that in the absence of regulation on the matter, each institution goes about its own way to swindle the consumers.
Submitted dispute with Trasunion XX/XX/XXXX regarding XXXX XXXX XXXX. 
Investigation or responses never done within 30 days.
For me, there was a single order at XXXX, but at Bank of America there are multiple transactions posted on XXXX, XXXX, and XXXX. XXXX charged me multiple times in very odd amounts that do n't even match individual product prices. There were XXXX items ordered. A desk, a console, and XXXX bookcases. The desk arrived damaged ( crushed on a corner ), was returned, and replaced. The replacement arrived damaged ( crushed on a corner again and a large scratch ). The console table arrived damaged ( with a large scratch and ). When the XXXX bookcases arrived, but I refused to received them and they were sent back. XXXX send me emails that do n't even match what happened in reality. They show only XXXX item being refused even though both were. They show the desk replacement is still being shipped. It is a complete mess. 

I have called XXXX five times. Five times! I was promised corrections and credits. None of that happened. I emailed the CEO ( seriously ) and got a response that this issue would be resolved ( I kept the email ). I received one call from the executive office and called back three times. No response. No resolution. I should not be charged for items I did not receive and I should not be charged for damaged items. XXXX should have resolved this, but they have not. I am tired of dealing with this and just want a refund. I received damaged items ( they were not damaged from shipping, they were damaged by the manufacturer from what I can tell ). 

So I called Bank of America to have the issue resolved. They told me that they would not do it. I have protection services on my account as well. The representative did not seem to care and told me that I had to work directly with XXXX. I have been working directly with XXXX but they are not resolving the issue at all. Bank of America should be taking care of this and not telling me this is my fault. I ordered products that were either not received or were received damaged. I tried to resolve this issue and have wasted weeks on it, but no resolution and no one will help me. I just want this mess over with and I want a refund. Since I have only XXXX order at XXXX, anything to do with XXXX should just be refunded. I will never purchase from them again. Ever. And I am seriously deciding if it is worth keeping Bank of America since they do n't even honor their own credit card agreement.
Hello.   Something wrong with my credit report.   Some information that Experian has is not mine. (   XXXX   XXXX   XXXX   ) I am not good at English.   So I have tried to contact Experian several time through online to avoid misunderstanding.   But they never give me their response.   Please remove these errors from my report.       1. Someone who I do n't know is on my report.
2.   Some   XXXX   card number is not mine.     Please see attachment.     I 'd appreciate it if you could check this and send me your response.     Thank you.
I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. This company requested that I provide detail proof of my identity theft. I sent this company my dispute, Police report and my identity theft report on XX/XX/XXXX but to my surprise this company have not removed the fraudulent accounts from my credit report within the 4 days as required by law.

Again these accounts are fraudulently reporting on my report, please delete asap : 1.XXXX XXXX. AC # XXXX -This Account is Linked to fraudulent charges, PLEASE DELETE This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information.

Attached herewith 1. My dispute i sent to this company on XX/XX/XXXX 2. My police
report 3. my FTC report
On XX/XX/2018 I submitted a request to Experian to send me all original documents with my signature to me for my verification. In which all accounts were deleted from my Experian credit report. This has left me with no credit rating at all. my credit report says I don't have a credit rating, It is XXXX. I contacted in XX/XX/XXXX by phone and I was told that I was reported as deceased. I asked for someone could explain to me why would I been reported deceased for asking for verification of documents. No one would give me a answer at first, then I told that someone from Experian contact me to fix the problem. 
It is now XX/XX/XXXX and I have not been contacted or can anyone explain why was I reported to be deceased. This is critical to fixing my credit. I have been a victim of identity theft before, now I believe that I am being victimized by Experian also.
I, along with many other people, have had a huge issue with Rushcard since their " update. '' I can not access my account, my funds have been frozen and my card is now blocked at this point. I can not contact customer service due to the fact that upon request to speak to a representative, the call is said to be placed and then you are promptly disconnected after XXXX rings. I have tried every number I have found and am getting the " run around. '' I 've experienced very long wait times only To have my call dropped. I found a direct line to Rushcard and the woman I spoke with was very quick to try to get off the phone. She kept telling me to be patient and to keep trying to access my account, which I think is why it is now blocked. I explained as much to her and she told me that she could not tell me why it happened and she was sorry but she had no access to my account. Something is obviously going on and it needs to be resolved. Many people are without their funds and some have even stated their balances are now showing " {$0.00}. ''
This medical account should not be on my credit reports This under 180 Days please Remove Off My Equifax credit report due too hippa violation!!! 

This acct is only 1 month old!!!
My wire transfer is held due to a US OFAC Investigation Request XXXX, details XXXX I would expect a delay related to this, but I would also expect due diligence and expedite responses from banks about this issue. 

The Sender XXXX XXXX  has replied back to messages and request for information though ON-LINE security messages, but the receptor TD Bank miscommunication and delayed response is adding unnecessary delay on this investigation. 

I request XXXX XXXX  to notify the recipient of this wire transfer delay, but they replied is under the TD bank compliance option to notify their customers. I contacted TD Bank customer service and ask them to notify the recipient beneficiary of the delay of this wire transfer. Even I did not request any information or details, they refuse to notify its customer about this transfer delay. TD Bank stated is following Privacy and security measures, but I did not request any information, just ask to notify its customer about this transfer delay Please note I have replied back to TD Bank with details requested by TD Bank, and they reply back three or four days after, and asking for more information.

I believe they should request all required information at once, and not taking two or three days for each response. 

I also believe should have the courtesy to notify the wire transfer recipient about such delays, and expedite responses and request for updates from the sender bank. 

The original wire transfer was initiated on XX/XX/2019, and today XX/XX/2019 I am still in the " limbo '' about the status of this wire transfer. 

Sender : XXXX XXXX Acc # XXXX From XXXX XXXX Amount : {$1000.00} Date : XX/XX/2019 Recipient : XXXX  XXXX XXXX XXXX ACC # XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX
I XXXX XXXX XXXX got hurt on my job back in 2014 and fell behind on my payments after my workers comp pay stop so I end up falling behind on my house payments and I ask my mortgage company about a loan modification and i was giving the run around about the help until a few days before closing date and I was told that there fax machine had been acting up so I was giving about 5 different fax numbers but none of them work and I was also told that I didn't complete my papers correctly nor send them in on time I was being help by a lady name XXXX XXXX in loss mitigation and ms XXXX. compony name is Alabama housing finance authority this company failed to comply with hud act loss-mitigation procedures with myself. They took my house and resold it so fast because of the value of it
Navient has only offered to give me a payment plan which would result in a payment I can not afford on a monthly basis. I 've tried to work with them to reset my debt back to what I took out. They only want a cash offer as a payoff. I pay them {$50.00} a month and my debt increase by {$1000.00} each month. What I owe is almost triple what I borrowed.
Since XXXX/XXXX/2016 we have received XXXX invoices, # XXXX, # XXXX and # XXXX, all with order # XXXX, totaling {$3300.00}. The first XXXX invoices were charged to our other XXXX Chase credit card, Totaling {$2000.00}. That has been closed. Neither I nor anyone applied, requested or authorized charges with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card was in her possession at all times, these charges were made. We called XXXX and XXXX numerous times since XXXX/XXXX/2016. They will not give us their name. We are told someone will call back in 20 minuets and the call is disconnected. No one returns our calls. They will put us on hold with clicking on the line and men laughing, then the call is disconnected. I gave them the invoice # XXXX, they gave me a different Company Name, not either XXXX of our business names. Today I gave them the invoice number and the call was disconnected. I call the XXXX number and no XXXX answers, like they blocked my number. I ca n't believe we are the only people getting scammed. My husband is a XXXX, he is paid {$13.00}. a head and pays 30 % of that for his space rental. He does n't use a computer at the XXXX. He writes all the record keeping down. We do n't even use XXXX on our XXXX. If we need to back something up on a computer, we use a thumb drive. My husband is retired XXXX XXXX and a XXXX XXXX. XXXX scammed both our business '. They charged the XXXX invoices on XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Credit card. The invoices ' all have XXXX XXXX XXXX, XXXX, under the XXXX, started business on XXXX/XXXX/2016. Thank you for your assistance in this matter!
The debt collector repeatedly continues to contact me on my work phone at my work after I instructed them that my employer does not allow these types of phone calls to occur. I received another phone call today from XXXX while at work. She then threatened me by stating that since I had not sent a payment that the collection proceedings would need to continue. I have left repeated messages for the billing department at XXXX to set up a payment plan and no one has returned my call. XXXX called the main phone number today instead of my direct line like she used to do and spoke with our receptionist and was transferred to my phone, so I am unaware of how much she told the receptionist on if she was seeking to collect a debt. This is the third time I have asked them to stop calling my place of employment.
I placed order XXXX cell phone on XXXX/XXXX/2014 through web & I received the phone on XXXX/XXXX/2014. Then I returned that wireless device to local XXXX wireless in XXXX XXXX XXXX XXXX, TX on XXXX/XXXX/2014 within 14 days with restock fee {$35.00}. And I contacted XXXX Customer Service. But this company has afflicted me by continued attempts to collect debt I do not know. So I had called Customer Service a lot and I had spent my time too much. To make matters worse, I have had to be exhausted by XXXX debt collectors over 1 year and 4 months. Therefore I am claiming my case to CFPB. I still have a receipt to return.