WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX credit accounts with Synchrony Financial : Amazon Store Card and Banana Republic XXXX Visa. The address listed on both accounts has inexplicably changed to incorrect addresses and I am unable to correct/update via the website ( s ) or customer service. I was told by customer service that it had been corrected but no change ever appeared. The address listed for the Amazon Store Card is not my address, has never been my address and was never provided by me. The address listed for the Banana Republic XXXX Visa is undeliverable as it is only an apartment number with no street address and incorrect zip code. Aside from being unable to receive paper statements I see that Synchrony has now reported at least one bogus address to a credit reporting entity.
Portfolio Recovery XXXX XXXX,2012 Amount : {$XXXX} I 've disputed with portfolio recovery with XXXX they failed to remove my account. I do not have a signed contract with Portfolio Recovery Associates this account is invalid. Please remove this account. I have never done business with them.
Kept receiving calls from XXXX. A XXXX XXXX called and left me a message that she needed a defensive statement for a lawsuit. Called number back but no answer. Looked up number and its reported as a scam. Then almost immediately I get a call from XXXX. I answered it and a XXXX XXXX answers and wants confirmation of my name. He then proceeds to give me my social security number and dob and a case number of XXXX. I never verified with him who I was so why is he verbally stating this type of information.its illegal.He then gives me another number XXXX and stated its check services for XXXX county Florida and that I have to pay him XXXX immediately or they will serve a warrant for my arrest and deliver it to my employer. I triesnto explain I do n't owe any money to this company and that my computer was hacked and personal info stolen during this timeframe he gave me. He said good luck and disconnected. I learned that the XXXX number is also calling and harassing my relatives and telling them I am wanted for check fraud. I am not familiar with XXXX ; the company they state I owe.
Bank of America Credit Card. Charge off date of XX/XX/XXXX. XXXX from Bank of America to claim absolved debt as income for XXXX taxes. Form from Bank of America was created XX/XX/XXXX. Currently claiming a limit on account of {$13000.00} and a balance of {$15000.00} on XX/XX/XXXX. Have filed disputes 2 separate times through XXXX XXXX and gotten no resolution.
I recently signed up for a tanning package with a local company. I payed XXXX + some additional free for there basic membership, allowing access to the most basic tanning beds. The benefit to the membership is that the cost to use the top of the line tanning beds is greatly reduced for members. I bought single upgrade to the top tier tanning bed totaling XXXX $ cash. While paying the employee informed me of a {$90.00} package that included 6 tans. Being the sucker that I am I agreed that I would benefit for saving money buying the tans in bulk vs each time I visited. The employee recommended I tan for the full 10 minutes in the bed for my first session, and since I wanted to expedite the process of tan skin I agreed. The end result was 3 weeks of XXXX XXXX, 1 week of XXXX XXXX, and 1 visit to the ER funded by myself.

Dissatisfied with the business, I decided to dispute the charge for the remaining 6 tans that I hadn't used. I called the company myself without the guidance of the bank and they refused to refund the money, and insisted that I could come back and use the remaining 6 credits anytime. I informed them that after visiting the ER and suffering for 3 weeks I wouldn't be tanning again, but they stuck to there guns. A few days later I contacted XXXX XXXX XXXX XXXX card customer service about disputing this charge. They proceeded to 3 way call the company with me on the line. We discussed out the details of the dispute to the tanning company tele rep, and she informed me/XXXX rep that the appropriate person would be in contact with XXXX if needed later that afternoon. 
Time carried on and XXXX never heard back from the tanning company regarding the dispute and I was refunded the money for the 6 tans. Approximately a month later I received a letter from the tanning company claiming they were sending the total of {$90.00} to collections along with a {$25.00} charge. I immediately called the tanning company and asked what was going on, they informed me that there is nothing they could do, and that the debt had be acquired by a collection agency. I then proceed to call XXXX and inform them of the situation, learning there is little they can do for this type of situation. The debt collector actually made initial contact the very same day I received the letter and called the tanning company. Seems like they were out for revenge regarding the dispute I was awarded. 
I informed the creditor of the dispute being settled and even offered to send the documents from XXXX showing this process. The creditor had no interest in the documents, and told me the debt would need to be settled regardless. This doesn't seem fair, what is my next step in this process.
Hello, I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification.

XXXX XXXX/XXXX XXXX / Brightwater Capital has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report.

I've been asking for verification for 6 months in certified and notarized letters.

They replied once on XX/XX/XXXX The letter stated the account had be sold to Brightwater Capital which also included a non letterhead computer faded copy of a copy statement.

On my credit report it's stating XXXX/XXXX XXXX with remarks stating sold to another lender. I have no knowledge of this account which was opened in XX/XX/XXXX.  Please help me.
on XX/XX/18. tried to buy a transmission from a company. transaction was ran. XXXX through XXXX credit card. on XX/XX/18 all money was refunded. XXXX back to my bank. and XXXX to XXXX  who still has not posted the refund and has continued to charge XXXX interest on said purchase as well. my bank had the refund posted the next day. first contacted XXXX a week after refund asking why its not refunded. was told refunds don't post for 45 days. great way to maximize their collected interest. so I waited that out. then asked and they still claim it was never sent. when it was. I have provided about 5 emails since including me and the company sending them the document 's they asked for and still no refund of the XXXX at this point I honestly feel this is a complete scam of a company. wont return items. charge a yearly fee of XXXX and a monthly fee of XXXX just to have their credit card. I want my refund plus all interest occurred credited back to my account.
In 2008 We had a Countrywide loan when Bank of America took it over. Bank of America immediately put us into foreclosure proceedings even though we were not late on our loan. It took us 4 years, and finally negotiations from our state senator forced them to write us a Harp loan at 7.5 % interest. We want to refinance now and everywhere we go, they wont talk to us because our credit is showing XXXX late over 90 days. This is NOT OUR FAULT! How do we get them to remove it from our credit?
This is a follow-up complaint to Case number : XXXX. All preceding information can be drawn from the former case file. 

As verbally agreed upon with MEFA/XXXX, I began making quarter payments while the formal paperwork for the quarter payment forbearance was being processed. During this time, I received no fewer than six harassing phone calls to my personal cell phone, demanding immediate payment of the full value of the monthly payments, despite clear verbal instructions to cease phone communication, in clear violation of my rights as a lendee. 

Approximately 1.5 months after the quarter payment paperwork was filed ( date of XXXX XXXX, 2016 ), I received another phone call from MEFA/XXXX, again demanding immediate payment of the remaining balance, minus the quarter payments that I had already been making. This time, however, they informed me that they had rejected my forbearance application because they had changed the terms of the agreement IN THE TIME BETWEEN WHEN THEY RECEIVED THE PAPERWORK AND WHEN IT WAS PROCESSED without notifying me of the change until after it was rejected. Thus, they had outright denied the application on technical grounds. All of this clearly violates my rights to clear and fair lending as a student borrower.
Hello, I have been in contact with Experian over a dozen times over the past 5 months. I have requested that they supply me validation of listings that are reporting in my file and they continue to respond back that the information has been verified. I am requesting validation of the debt so that I can dispute it properly to have it remove or corrected on my file. I spoke with XXXX different supervisors and I have been told that this information would be mailed to me within XXXXXXXX business days and over 30 days has passed. I took the liberty to send certified mail to them to as well to no avail. I am constantly being told that I need to contact the creditor to verify the debt but they are the ones reporting the debt and they must have proof that the debt is mine or remove the listing/s.
Hello, I would like to report American Express for breaking a Reg Z violation as they charged my credit card {$190.00} annual fee, while I was only given a credit line of {$1100.00}. 

They charged me 17 % of my initial credit line, where the regulation states I can only be charged annual fees up to 15 % of my credit line. 

In addition, I am going to assume they would probably fail the 25 % fee cap policy as well, which states that customers are not allowed to be charged fees and minimum interest charges & gt ; 25 % of the credit line. 

Thanks!
On XXXX/XXXX/XXXX XXXX XXXX XXXX offices were shut down by the Federal Reserve. I then began to withdraw funds from my account because I was unsure of what was going to happen. In XXXX, I made transactions to remove funds to secure them somewhere else. Unbeknownst to me, one of the transactions made on XXXX/XXXX/XXXX was never deducted from the account and was not reported on the statement. The following months of statements that were sent listed a positive balance with no other activity on the account. 

On XXXX/XXXX/XXXX I was notified that the account was overdrawn because of a bank error and asked to pay the debt that same day or the account would be closed and reported to XXXX XXXX. I spoke with a rep ( XXXX ) who only wanted payment and did not offer to help me research in any way what was going on. My efforts since then have been trying to understand why it took so long to be notified and why I am being punished for the bank 's error. My account has been charged off, I have been reported to XXXX XXXX as well as the credit bureau and the bank has failed to admit any responsibility. In addition, the original amount is now being inflated to ongoing overdraft charges of {$37.00} each month. The bank made the error initially and should have offered the opportunity for resolution before any negative activity took place, which now results in my financial accounts being impacted. 

If the bank determines there is an error on your account, what is the timeframe for reporting it to the consumer? No one has the answer, but according to FDIC website .... 

" If the bank determines there is an error on your account, it must correct the error within one business day after confirming it and report the results to you within three business days after completing its investigation ( including, if applicable, notice that a provisional credit has been made final ). '' This does not necessarily specify bank errors, so I am unclear as to the manner in which I should proceed with regards to timely error reporting. The bank is unwilling to discuss or agree to removing these charges or giving me a satisfactory arrangement that is fair. I do not feel as though 4-5 months should have passed before this information was presented to me without any regards for mediation. 

From the initial contact on XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I have spoken with the following : XXXX ( team lead ), XXXX ( Retention ),  XXXX ( customer service ), XXXX ( Supervisor ), XXXX ( Escalation department ) at XXXX, XXXX, XXXX
XXXX is reporting an account on my credit report on behalf of Portfolio recovery associates. The account which did not arise out of a written contract or agreement is now being showed to be owned by me. Portfolio is listed a XXXX XXXX account.
I moved into XXXX XXXX XXXX apartments in XX/XX/XXXX and out in XX/XX/XXXX. I provided all of my contact information the morning I turned the keys back into the front office so I would be aware of damages that required payment. I was not notified of any cost to cure damages in the apartment by the complex. I downloaded credit karma a couple years later after being declined for my first car loan due to a collection I knew nothing about. I was shocked to learn that a collection had been placed on my credit by XXXX XXXX XXXX and was damaging my credit greatly! The biggest surprise was years had gone by and no proactive effort from the complex had been made in order for me to have the opportunity to pay the damages instead of just damaging my credit! Over the years I reached out to the management company in effort to make payments or settle due to the age of the debt, the complex would not cooperate. The debt was sold to Professional Debt Mediation on XXXX XXXX XXXX and now shows as XXXX different debts both damaging my credit. I 've attempted twice to settle with the collection company who advised they go back to the complex with my offer for approval-again both times the complex has declined my effort. The debt is showing as {$1100.00}, the complex states they had to repaint the XXXX accent wall in the living room-this I understand and agree too. They also state that they had to replace the carpet in the apartment due to pet stains, I agree there were stains on the carpet and understand there would have been a cost to have the carpets cleaned. HOWEVER, stating they had to put brand-new carpet in the entire apartment ( mind you was very small ) and that it cost upwards of {$1100.00} I do not believe! After years of making an effort to right this debt and the lack of cooperation of the complex leads me to believe they are fraudulently hitting my credit for the amount of a debt that is not valid! The carpet in the apartment was not brand-new when I moved in and the complex is not entitled to the full replacement value, only the depreciated value of the carpet. So if the life of the carpet was expected to be 5 years and was 4 years old upon my move in date they would only be entitled to the remaining years value. I would like proof to be provided by the complex including : brand of the carpet, estimated life of the carpet, receipt for carpet upon installation prior to my move in date, and a receipt for the for the cost of damages repaired. If proof is provided and the full amount of the debt is validated, I would like an agreement to be made with the complex on payment arrangements or a settlement. I would also like my credit to be updated due to the lack of professionalism, tenant/consumer respect, and non-existent pro-activity to reach me before greatly damaging my credit.
When on XXXX XXXX I repeatedly tried to submit an online dispute on Citi 's Searscard website, it kept deleting the information XXXX TIMES. The seventh time it SEEMINGLY accepted my complaint. But, SearsCard has not recorded the complaint on my account, nor responded to me. Again, earlier today, I tried to resubmit my dispute, but XXXX times the bank 's website deleted my information. On the fifth try, it SEEMINGLY accepted it. But, still nothing shows up on my account. nor has the Bank acknowledged my dispute. I suspect that Cit SearsCard intentionally sets its software to reject disputes for a certain percentage of accounts. My dispute is " '' Missing XXXX items ( coffee mugs ) listed in the description ... .Basket has sharp edges.The merchant admitted that the shipment did not include the missing items. The merchant blames the mistake on its supplier in XXXX. The merchant keeps lying over each of the past four days, saying that a new shipment was sent, then saying that it was not sent, then saying that the XXXX supplier would contact me, then telling me to contact the XXXX supplier - I have no idea who the hell is the merchant 's supplier. The merchant promised to issue a full refund. Now, it wont. This is big FRAUD by SEARS. ". But, being blocked and or ignored by the bank, my dispute is not handled by the Bank. This is against the public interest.
This bill is not being paid because the provider posted unauthorized charges. I called numerous times to reconcile but the office manager refuses to discuss adjusting appropriately even though I have marketing documentation showing promotion rates at the time of service. Bad provider fraudulently charging fees never authorized. I always pay my bills as can be seen by my payment history for much larger amounts but I will not pay this fraudulent bill and be held hostage to a dentist office manager who chooses to make up rules and fees as she desires. No one should be held to pay whatever the provider charges without recourse because they post a charge to collections without having to justify their actions. I suggest all stay away from this provider and find another dentist who is about patient care and not robbing people holding them hostage by sending them to collections because they increase fees without approval from the customer. 
This is NOT about {$250.00}, but the point of this dentist fraudulently charging fees and being very rude when trying to gracefully reconcile the correct amount for prompt payment. I will not pay this erroneous charge. For all those seeking my business, please feel comfortable by seeing my overall payment history that I pay my bills on time for much larger amounts. It is simply the point of it. Thank you in advance for your consideration. 
XXXX XXXX
Equifax has my married name on my report, yet I have requested that to be changed several times. The response to this action is that creditors are allowed to change this information at their discretion. As well, there are phone numbers on my file that do not belong to me as well as debts on my  XXXX  file that have been cleared with all other reporting agencies. My goal is to have all of my credit reports consistent with the proper information during the process of repair, which I am currently engaged in. I have experienced issues in accessing my account online as well as dispute claims not being addressed within the proper time limits.
Ocwen as a servicer for XXXX XXXX XXXX XXXX XXXX is illegally and fraudulently foreclosing on my property using a XXXX assignment as nominee and assignee for XXXX dated 5 months after XXXX failed and the XXXX member relationship as well as nominee status ended. I have all documents from public records that proof my claims and a very detailed report written by me with attached documents. I am also aware and have it from the federal courts where OCWEN and XXXX were doing the exact same thing using the same ammo to another home owner. The federal court proceeded to rule the documents presented by Ocwen and XXXX void ruling in favor of the home owner See XXXX XXXX  XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX - Dist. Court, XXXX  Texas 2015 - XXXX XXXX
I discovered I have fraudulent credit inquiries for companies I never gave permission to pull my credit reports. On all 3 of my credit reports it shows on XX/XX/XXXX that XXXX XXXX pulled my credit without my permission, XXXX XXXX XXXX XXXX pull my credit without my permission on XX/XX/XXXX, and some company called " XXXX XXXX XXXX '' on XX/XX/XXXX. I demanded and requested these items be removed from my XXXX, XXXX, and Experian credit reports and none have been updated after being told they would in a short time frame.
The complaint is against WELLS FARGO We are complaining about FORCED INSURANCE at an absolute ridiculous rate when we had already paid for it.   Are there class action suits? Lawyers? Anything? They have had our PROOF for 2 years AND again since  XXXX   2017  and again they say we have not given them what they need.   They are lying.   They are ruining our lives!!!! What are we to do? They should NOT be allowed to operate like this.
About a month ago, we changed bank accounts from XXXX XXXX XXXX to XXXX ( we are both military veterans and felt that XXXX would provide us better service than we had been receiving from XXXX ). Within a day or two of switching our account, we went to all of our creditors and updated our payments for autopays that had originally been through XXXX and now would be through XXXX. This included paypal as we have quite a few autopays that go through this payment option such as our tv streaming subscriptions. XXXX had been informing us that some of our payments were being returned and we were ending up with return fees of {$35.00} a piece. We informed paypal about this and stated our payment option had been updated to distribute payments from our new default account - XXXX debit card. We removed our previous debit card via XXXX, however, paypal would not let us remove the XXXX checking account #. We did n't think this was too much of an issue as we had made our default payment option as our new debit card. We found it strange that it would not let us delete the previous bank account though. We had emailed paypal about this concern, but we have not had a reply at all. Additionally, we wanted to escalate this as paypal did this previously to us about a year ago when we had switched from XXXX to XXXX bank. They had apologized and deleted it for us over the phone, however, the damage had been done even though we had done what was needed to update our paypal account. 
We refuse to make payments to cover up a situation that could have been avoided had paypal not kept our old account in ( even though there had been multiple attempts to delete it and we had made our default payment option via our new debit card ). Based on our previous experience with XXXX, it appears that this is a common situation, however, I am not sure what paypal would have to gain from not updating an individual 's banking info. Strangely, some of these withdrawals are coming out of our closed account while others are coming out of the debit card we made default. It is odd how payments are not all coming from the same place. 
Either way, we feel our follow up and desire to remedy the situation has been thorough, especially having to go through this same situation a little over a year ago. Paypal needs to change their way of documenting payment options as we do not seem to be the only individuals suffering from this. 
I 'd like to ensure that paypal cover any return payment fees from XXXX and also write a letter to XXXX stating that it was because of their inability to update our account to our current payment option, this occurred. In the meantime, it looks like we have carelessly allowed this to go through XXXX when that is the last thing we would have wanted. 
We thank you in advance for any assistance you can provide to us. 
Respectfully yours, XXXX XXXX XXXX ( main account holder under XXXXXXXXXXXX ) XXXX XXXX XXXX XXXX XXXX spouse )
I had sent a letter to this Creditor asking for verification of this debt, the original signed contract as well as payment history for the account. It 's been over 45 days and I have not received any notifications or validation of this debt.