WillisBack/dataset-financial-user-claim huggingface dataset:
I received a written letter from XXXX XXXX XXXX , XXXX regarding an account. The written letter offered the option of " 1 payment of {$970.00} '' after which my account would be considered " Settled in Full '' once the payment is successfully posted. ( Please see attached letter ) When I proceeded with the payment, the prompts promised " You should receive in 5 business days a confirmation letter, at the mailing address indicated on the previous page, reciting the terms of your payments and confirming your authorization. '' I paid the {$970.00} ( please see attached section bank statement noting payment to XXXX XXXX XXXX , XXXX ) and not only have I not received this letter, but XXXX is still reporting my account as OPEN and " Seriously past due date / assigned to attorney, collection agency, or credit grantor ''. ( See attached Credit Report excerpt ) Their statement was misleading.
I am very dissatisfied about a negative reporting that had been placed on my credit filed without my acknowledgeable, but smear lie, bias, discrimination, bigotry and because of my feminist status. I am a hard working XXXX that hardly afford to pay my own bills, in fact I have never done business with the alleged creditor for the past years while being in the united states. XXXX XXXX XXXX did n't just report the wrong information, but they also violated my consumer right, and that has hurt my credit in some way of the other. I request that the information reported by the management be removed, and necessary action taken against the management for making such ignorance statement.
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that XXXX was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
XXXX / XXXX /   2017 I  disputed some items on my credit report. I asked all  XXXX  credit bureaus to verify the information, asking for a contract showing my signature as well as an accurate date of last activity. I have received no such information only all   XXXX   saying it was verified.
Disputed : Reported Account Number : XXXX {$75.00} Creditor/Collection Agent ALCHRO INC. who are the parent company of XXXX XXXX XXXX XXXX XXXX.The mail to XXXX XXXX XXXX XXXX XXXX was sent certified delivery and has been returned on each occassion by USPS as UNDERLIVERABLE. 

Chain of Events : On XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. XX/XX/2018 I contacted the company XXXX XXXX XXXX XXXX XXXX who is named as the reporting company on my credit files in writing at the postal address stated as their mailing address from my credit report by letter delivered by certified mail ( see attached ) requesting full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation included competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that proves I am obligated to pay was never made available to me. I made it clear in my letter that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately. It is ridiculous that is is now over 250 days since my request for validation ( see attached certified mail verified as delivered ) and I have not received a reply. This is over the 30 days time frame and this collection company is out of compliance. Under advise, I wish to informed XXXX XXXX XXXX XXXX XXXX   that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
This debt was previously disputed on XXXX/XXXX/XXXX and has not been validated by company. It is showing as a charge off
We are struggling and SunTrust has put our business into futher jepodary by charging exorbitant unfair overdraft fees causing our small business major financial distress. In an attempt to remedy the situation I visited the XXXX XXXX location. The employee waived 1 fee but I was ( I found this info out on a 2nd visit, to the XXXX XXXX branch ) NOT informed of what I could do to prevent this from happening again. I was NOT advised that I could get overdraft protection by either opening a savings, or getting a business credit card, or registering my email. If i had been advised of this I would have done so. I feel very taken advantage of. The fees are unfair and have caused my business great financial distress. 1 fee would be fair, but {$220.00} in one month and {$150.00} in a 2nd is beyond unfair!! HELP!!
I was going online to paid my credit card bill of Walmart number # XXXX but they service was not operated online, I had call the credit card to make a payment by phone today but post date for XX/XX/2015, I was told by customer service representative from Synchrony Bank that I was going to be charge a late fee of {$35.00} because it was past due and I reply to her is not pass due. Can you please process the payment of {$98.00} on XX/XX/2015, She process the payment with no problem, she gave me the confirmation # XXXX, This is not the first time I been charge for late fee of {$35.00} for the month of XX/XX/2015. 
What gimmick or scam they are running in the credit card department, I 'm requesting investigation on this matter or issue ASAP, This is hardship for me at this present time or moment, I am not happy as a customer of Walmart/Synchrony Bank XXXX XXXX XXXX XXXX, GA XXXX, telephone XXXX. 
I feel and believe they should n't be a cut of time making a payment online or by phone. 
This unfair for the customer, including my self.
I went to a check cashing store and they charged me almost {$30.00} to cash my XXXX check that is worth over XXXX.. by law they 're not allowed to charge me more than {$3.00}. The company this took place at was, The Check Cashing Place, Inc Store # XXXX XXXX XXXX XXXX XXXX # XXXX in XXXX XXXX, California. The company ripped me off and I should be reimbursed {$25.00} since they overcharged me. This store is n't the only place where they charge people more than what 's required by law. Please help me resolve this issue. Thank you.
I use an app callled   XXXX   XXXX   it 's kinda like a payday loan but you pay what you think is fair and they recommended I report an issue with my bank not sending updates often enough or in timely manners in order for my account to be update. It 's not up to date. It 's alwa ys 4-6 hours behin d
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Hello i recently paid XXXX XXXX Credit card to XXXX after paying them on time never make one late payment XXXX XXXX updated me paying off my balance and deleted the account of my credit which caused my equifax credit score to drop 110 points this is un acceptable and as a result this has caused me embarrassment and denying in credit
Dear Sir or Ma'am, I am writing to dispute a Military Star card account that is not mine ( account # XXXX ). I do not even know the full account number because this is not my account ( no statements and they will not tell me the full account number because it is not my account ). I once had a Military Star account that was paid in full and closed XX/XX/XXXX while I still lived in XXXX, but it was a XXXX account with a {$500.00} limit ( meaning it could only be used at a Military Clothing & Sales store ). I did not re-open this account, nor do I even receive statements since someone has apparently re-opened it. I lived at my previous address for 5 1/2 years until XX/XX/XXXX and my current address ever since then without ever being contacted. I have repeatedly sent corrections directly to XXXX, XXXX, and XXXX disputing this information, which they forwarded to Military Star without resolution. I also sent letters to Military Star, with XX/XX/XXXX being the most recent. 
My wife, XXXX XXXX, has also been in regular phone contact with Military Star regarding the continued reporting of this account on my credit report, the repeated negative reports, and the occasional deductions from my pay ( that we then have to work with you for reimbursement ). Military Star 's representatives tell us on the phone every time she calls to complain about this false account that it should be off of my credit report in the next month because they can see in their system that it is not mine, yet it continues to be reported.
I have contacted the XXXX to remove XXXX XXXX for a account that was settled and supposed to be removed from the credit report but still appears
In  XXXX  in was subjected to fraud. I contacted my creditor ''  XXXX  (  XXXX , transunion and  XXXX  ) to file a indentity theft and to get my accounts taking cared of. They did so in  XXXX   XXXX   XXXX  - {$470.00},   XXXX   XXXX   {$1000.00}  XXXX   XXXX  {$580.00} and  XXXX   XXXX  {$810.00} was deleted off of my credit reports. In  XXXX  these  XXXX  acconuts were updated and added back to my account. I contacted the transunion,  XXXX  and  XXXX  to explain to them these are not my accounts they never were. These accounts where made under fraudulent pretenses that I had no knowledge about. I stated these same accounts were deleted in  XXXX  due to myself being subjected to fraud. Transunion stated it was disputed before and verified and there is nothing they can do. They told me to file a complaint by the FTC regarding my accounts.   XXXX   and   XXXX    stated they would submit another dispute, that 's was in  XXXX   XXXX  but nothing has been deleted. These accounts are still on my credit report and they do not belong to me. I demand these accounts be removed from all  XXXX  of my credit files so that these fraudulent accounts can stop hendring me from proceeding with my government job.   Thank you
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Capital  One Auto Finance has been reporting unverifiable and inaccurate information on my credit which has da maged my credit and 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.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXXandXX/XX/XXXX.
Went to XXXX for dental work.Had all on XXXX procedure.Dental company billed credit card for everything on day implants was put in but could n't get teeth for 6 months.Went back in XX/XX/XXXX for teeth and was home approximately XXXX weeks and teeth started crumbling.Filed dispute with all Credit card companys that I used because of quality of goods This purchase had to be divided because of large amount and not enough credit 0n one card, I spend about XXXX dollars to fax all documentation and pictures to these companys.Chase credit card responded and comepletly removed the part of charges that was charged to XXXX card but Citi XXXX XXXX has major issues.Cant get responses etc and when they responded I was told they could n't help me that it was out of time frame.
I have outstanding medical debts that violate the hippa law. I have reached out to these companies on numerous occasions trying to get this debt resolved.Nothing is being done with this matter. I have sent out 609 letters violating rights and etc. I have tried to reach out to the main company as well as the bureaus.
Platinum Holdings is attempting to collect a zombie debt by claiming that the debt I supposedly owe does not fall under the FDCPA statute of limitations. They have been calling my siblings due to my being out of the country. I called and spoke with XXXX and she proceeded to tell me that since it was a debt owed to XXXX, it falls under a " precious metals contract '' and has no statute of limitations. When I stated that I did not acknowledge the debt and wanted documentation proving the debt in order to seek legal advice, she refused to send me the documentation. She is now saying that their counselors will be proceeding with suing me even though I have not received any documentation. At. All. from them. She stated they were sent to my old address and it did n't show in her system that I had received the documentation. That 's because I never received anything from this company in any way, shape, or form which she well knew! Once I stated I did not acknowledge the debt, she proceeded to speak over me and got hostile. This is a debt that is over a decade old that they say I owe but refuse to prove that I do indeed owe. She refused to send me anything since I do not acknowledge the debt. This is a debt that does n't exist on my credit report! So there is no legitimate claim that I legitimately owe. She refused to send me anything after I refused to acknowledge the debt. I asked her for her agent number and credentials and she gave me her extension number ( XXXX ) instead saying that she is not an agent and has no credentials.
I signed up for a PayPal account to transfer money to a photographer for a photo shoot. I received a letter in the mail from PayPal a week later or so stating that I was not approved for a line of credit due to too many credit inquiries on my credit report. I am really upset because I did not want a line of credit from PayPal. I had just purchased a new vehicle and some new furniture so I knew I had recent inquiries and did not want any more. This has now gone against my credit and it really made me mad and confused because I had no idea that I was even applying for a line of credit.
XX/XX/XXXX - settlement on account ( after taking advantage of my older grandmother for {$14000.00} after offering me to settle for {$8000.00} ) XX/XX/XXXX/XX/XX/XXXX - settlement letter sent from Discover SL in response to XXXX XXXX request to verify the debt. ( Not received - info provided on a recorded line by a supervisor ) XX/XX/XXXX - charge off on Discover SL account. 
I called and spoke to 4 different people. The supervisor, XXXX # XXXX, informed me they made a terrible mistake. He insisted he would escalate this and have it retroactively applied to my credit report to show it was paid in XX/XX/XXXX. 
Called again Various times throughout XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I asked XXXX how they can charge me off and at the same times months prior send me a settlement letter showing it was paid. That is the definition of willful neglect. To send me documents that say we no longer owe and then months later XXXX my credit report.
Chase LN XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Chase is committing servicing fraud on this file. Chase is taking a week to issue closing approval and refusing to issue closing approval until XX/XX/XXXX. 


In their approval letter Chase requires the HUD and signed closing docs 72 hours prior to closing in order to have time to review the documents. Therefore, on XX/XX/XXXX ( Tuesday ) I sent the HUD and signed closing docs along with a request for closing approval so that we may close as quickly as possible. ( see attached documents 'HUD for closing approval us ' and 'Approval Chase all fe '. They would not un-pause the task to upload the closing docs until we called in and requested that it be done immediately. We request extensions automatically on all our short sales with Chase because they are so apathetic to the timeliness of these closings. We put an estimated closing date on the HUD of XX/XX/XXXX because Chase consistently requires multiple escalations in order to give HUD approval to close. We gave them extra time just in case we know they are incompetent to begin with and we ALWAYS have to call in and push them to do their job. As it turns out, there was no point in doing this. The Chase rep I spoke to today said that closing approval was scheduled to go out on XX/XX/XXXX ( same day as closing ) and they didnt care when the closing docs were received they refused to work on the docs within the 72 hours stated on their approval letter. ( see attached 'Approval Chase XXXX ' ) No one at Chase even seems to know what TRID means. Has anyone at Chase even received the federally required TRID training? As an originating lender Chase will not even order funds without closing approval which means they would have to have closing approval 24 hours in advance of closing. Waiting until 1 hour before funding cutoff is not acceptable. Chase is an originating lender and they should know this. Its not rocket science. 



Chase is taking ONE WEEK to review closing docs. THIS IS NOT ACCEPTABLE. 

Why is Chase directing their employees to violate their own approval letter? Why do we have to consistently push and escalate the closings with chase in order to get them to do their job??? 


We are not the only ones with these same issues - see attached 'SS Superstars same isses pdf '. 



Would you like us to post recordings of the phone calls online?
I have emailed them and received an reply on XX/XX/XXXX stating that they can't help. I am in school and trying to make payments through my bank automatically. They keep applying them to my closed loans ( Fully Paid ) and not my current loans. So in turn I am being charged more money on the compounding interest when my payment is being set into an account with XXXX   balance instead of the account with an balance. This is completely unfair as a consumer doing my best to pay off my loans and not be in debt they are taking more and more money because their " system '' is mis-categorizing my payments. They said that I need to email them every few months and they will transfer the money, that will leave a few months of interest compounding on more interest which leads me to being charged more money.
Last year I had a collection from XXXX show up on my Experian credit report. The item was removed due to error by the collector XXXX This item has since reappeared on my Experian credit report even though it was already taken off once before. There is no basis for this collection, and it was already acknowledged to be erroneous. Experian failed to send me written me notification that this collection was being re-inserted into my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ).
The threatening letters these agencies send out are just wrong and very scary, I do not appreciate being threatened to be thrown in jail or having my things taken from me. I also do not appreciate being threatened to have my wages garnished especially when I live in a non wage garnishing state, and to be threatened that they will call my job and friends and family to discuss my debt should be punishable. I do not see how they can get away with threatening people like this.
Santander has failed to report my monthly payments to all   XXXX   credit bureaus.I 've contacted Santander through mail and through phone but I was given the run around. I want my loan lease to be reported every month or else I will change my car loan finance.
XXXX/XXXX Capital One Statement balance is XXXX XX/XX/2018 I took part in a Capital One Promotion to transfer a balance from a credit card to Capital One ( no transfer fees ). I wrote a check for {$8000.00}. 

XX/XX/XXXX, I paid my previous statement balance ON TIME and in FULL XXXX XXXX/XXXX  statement shows charge of XXXX ( transfer ), regular charge of {$39.00}, and interest of XXXX. Total statement balance XXXX XX/XX/XXXX Paid FULL and ON TIME amount XXXX XXXX/XXXX  statement and payment XXXX had an XXXX credit of XXXX and regular charges of XXXX. PLUS interest charges of XXXX. 

I called to explain that I wasn't subject to interest because I had paid balance in full. They explained that they apply the payment to higher interest rate items first. However, they are including the new purchases as 'higher interest rate ' when, in fact a new purchase is 'no interest ' if it is paid in full before the 30 days. 

So I continue to have a balance on this 'low interest rate ' transfer even though I continue to pay my bill in full. 

THIS IS ILLEGAL!
I reviewed my credit reports and I show that there are inconsistencies with the way that a discharged chapter XXXX bankruptcy is showing on my 3 reports. I know that they did not get this information from the courts, so I am not sure why it is showing on my reports. I would like to have this information removed from my credit reports as soon as possible. One of my reports-Equifax indicates that I filed a chapter XXXX bankruptcy XX/XX/1830? The other two ( XXXX & XXXX ) have dates that I would like investigated or removed. I'm just very confused, as I know that my state courthouse wouldn't even provide this information to credit reporting agencies anyway. I really appreciate all of your help on this! Thanks, XXXX XXXX
XX/XX/XXXX. I sent a certified letter to Transunion asking them to remove the 2 accounts for a tax lien reporting on my credit file. 1st off they come back and tell me they verified the accounts but when I asked them to furnish me the information they received from the courts verifying that these accounts were accurate they told me they did not have anything to show me. I did n't ask them to remove this from my credit since they had no proof that these accounts were valid nor accurate they told me they were not going to do so. I am requesting the TransUnion remove these accounts from my credit immediately
I have credit monitoring with XXXX XXXX XXXX and XXXX XXXX and was made aware of application and account with XXXX XXXX on my Transunion credit report. I have filed a Police report indicating account is fraud and sent necessary information to XXXX XXXX fraud Dept. We have called XXXX XXXX to verify they have received all documents needed and closed account as fraud. I have never been associated with XXXX XXXX and want this erroneous information removed from my file.