WillisBack/dataset-financial-user-claim huggingface dataset:
As part of the new XXXX relationship with Citi, my XXXX account was cancelled and a new account was opened at Citi on XXXX XXXX. I was charged interest by Citi almost immediately after the new account was opened because the due date from my XXXX account was on the XXXX and when I noticed XXXX had transferred the account balance to Citi ( but not my Autopay instructions ) I paid Citi for the amount due from my previous XXXX statement, but on XXXX XXXX, incurring interest charges of {$5.00}. Although not a large amount, the account transfer, Citi did not connect this newly transferred XXXX related account to my existing online account information with Citi, so there was no way of knowing what was owed, to who and by when from Citi. I emailed them about the situation and they refused to removed the charges. The consumer seems to be at the mercy of a sloppy account transition between XXXX card providers.
This debt was previous disputed and removed by another collection company " XXXX XXXX '' because the original lender could not prove that I legally owed this debt, so after I disputed and resolve this debt. It was sold to another company " Ability Recovery Services '' and I ask then to do the same. XXXX did not do their due diligence in their investigation, if they did, then XXXX   would have recognize that I disputed this debt before and it was removed cause the original creditor could not verify this debt and months later it was sold to another collection agency. I requested the collection agency 'Ability Recovery Services '' to provide me with several documentation : 1.  What do I owe this money for? 
2. Explain and show me how they calculated what they say I owe?

3. Provide me with copies of any papers that show I agreed to pay what they say I owe?

4. Provide me with any judgement, if applicable?

5. Identify the original creditor?

6. Prove that statue of limitations has not expired on this account? 

XXXX has said they verified this information. I believe they never contacted the original creditor and they never provide me with a letter or letters from the original creditor. 

I attached all the necessary documents as proof, to further prove that XXXX  did not do their due diligence in verifying if this information is correct.
There is incorrect address reported on my list of home addresses. I never lived at XXXX XXXX XXXX, XXXX, AL. XXXX
ChexSystems is reporting fraud to banking institutions so I am unable to open bank accounts or cash checks.
I have made all payments on time to XXXX XXXX XXXX. However, this month when reported my credit score dropped XXXX points as a result of late payment. When reviewing the payment history, all sections are in good standing, however, it says I am 39-50 days late in that section as well. I am current with all payments, I have NOT missed or been late on a payment.
I returned a XXXX to XXXX XXXX. It was NEVER used. Now, I am receiving a debt collection letter for {$200.00} from Transworld Systems Inc . I am not going to pay the {$200.00} for something that I returned to the company! Please help me! I do n't want this on my credit report. Never mind the fact that XXXX XXXX constantly tries to contact me to return as a customer!
I would like to cancel my card. After calling the number on the back of my card and being put to hold for an hour and a half to speak to a representative, I hung up. Thinking I 'd reach a representative faster if I called back using the " international collect '' number, I rang again. Finally, I reached a customer service representative. He asked the reason for my call. I said to cancel. He put me on a " brief '' hold that turned into another half hour. He never came back to the call, and my card is still active. I do not want to deal with these people ever, ever, ever again. CFPB, please help. I would n't wish this experience on my worst enemy.
I have been charged multiple overdraft fees to an account I have at Regions bank despite being opted out of overdraft coverage and being told any transactions would be declined instead of allowing the account to become overdrawn. This account is primarily used for bills and other small transaction so it never keeps a high balance. There have been a few occasions where my account has gone over, but I was not charged a fee because Regions is supposed to decline charges that go over and it is their error when it does. Or so I 've been told. 

On XX/XX/XXXX, my balance was {$30.00} and a charge for {$12.00} was made by me bringing the balance to {$17.00}. I was then charged a {$36.00} fee for unknown reason which overdrafted the account. Being unaware that I was charged this fee, XXXX more charges tried to go through. Instead of being declined, they were allowed to post to the account and I was charged an additional {$72.00} in fees bringing my account to - {$200.00}. 

No explanation was given to me for these charges or why they were allowed to post. They did, however, try to convince me to opt in for overdraft protection which would have done me no good. 

Now, on XX/XX/XXXX, I checked my account to find it overdrawn by {$49.00} because of an account adjustment the bank has done for reasons I can not figure out. A bill was paid for {$150.00} and a transaction for {$58.00} was deducted, leaving the account at a posted balance of {$0.00} as of XX/XX/XXXX. The adjustment was done XX/XX/XXXX with no explanation.
In XXXX 2013, I became a XXXX. During this time, my daughter and I shared an account through XXXX. During XXXX of my " XXXX '' I deposited some Mailbox Coupons into the XXXX account as cash, I do n't even remember this happening : ( XXXX contacted me immediately and with the utmost embarrassment, I went into the local branch to clear up my mistake. I received a lecture from an account representative, paid the money that I owed, and had the account closed. I was assured that because I resolved it immediately there would be no repercussions other than the sheer embarrassment of the situation in front of town 's people and my daughter, I stopped XXXX. Here we are over 2 years later and I am working really hard to get my credit up and stick to a stringent budget. This is when I learn XXXX has reported " XXXX '' on XXXX/XXXX/13 and the closure status is " not reported. '' This is on my credit report, is keeping me from opening a bank account, and simply not right considering I was told there would not be anything reported in regards to banking or me. Granted I know I made a horrendous mistake and I tried to make amends as quickly as possible. I wish it had never happened but it did and I do n't think I should have to continue to pay for this error especially when I was told I would not have to over 2 years ago.
This company has contacted me via phone every day, several times a day for months but never leaves a message. I know no one at this number. I would prefer the calls stop immediately.
I have disputed Safco ( account # XXXX, XXXX ) several times. The company would remove the account for months even up to a year then it would reappear. I took the necessary steps that customer service instructed me to do, which were to obtain a police report. The documents that I uploaded are the same documents that I sent to Safco when the company were removing the account ( I only updated ftc ). I contacted police station and was told to get report where I initially discovered the account. I even took an extra step and got a FTC affidavit per law enforcement. I submitted and again, company would remove for awhile and then it would reappear. 

I don't know what XXXX XXXX XXXX XXXX is. I've reached out directly to this company. I have two unauthorized inquiries ( XX/XX/2018, XX/XX/2018 ) Those unauthorized inquiries have been illegally pulled and thus should not be on my report as they weren't authorized by myself, any person ( s ) or company on my behalf.
On XX/XX/XXXX I sent dispute letters to Experian about 2 accounts on my credit report from XXXX XXXX XXXX for which they claimed that I owed {$10000.00} on account number XXXX and {$24000.00} on account number XXXX in XX/XX/XXXX. I challenged the accuracy, compliance and reportability for each of these listings because I am unaware of owing money to this company. 

I also asked to validate the information with XXXX XXXX XXXX, and to provide me with any documentation associated with this account, bearing my signature. In the absence of any documentation bearing my signature, I formally requested that the information be immediately deleted from my credit file for which they maintained under my social security number. 

On XX/XX/XXXX and XX/XX/XXXX I received letters back from Experian stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature. 

On XX/XX/XXXX I sent a dispute letter to Experian about the two XXXX XXXX XXXX accounts stating that after I retained new copies of my credit reports, I noticed that they did not furnish my credit report with required disclosure under XXXX XXXX XXXX, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by placing the disclosure within the required 30-day period.

On XX/XX/XXXX I received a letter back from Experian stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature.

And again with no " notice of dispute '' was ever placed on my account after 30 days.
This company is not XXXX XXXX complaint in regards to the balance being reported and also the payment history.
Here we are in XXXX and XXXX XXXX is STILL trying to collect a debt that was never meant to be a DEBT. 

First, I had an account with them from XXXX XXXX XXXX. When we moved XXXX miles down the road, XXXX told me ( in a chat log attached ), that although they HAVE DSL at XXXX, it was " capped '' off meaning, they did n't want to be bothered and it 's complete XXXX. 

So, after investigating, the contract was never signed by me or my wife for the account thus rendering the contract null and void. 

Secondly, the collection agency, EOS/CCA tried to make me feel guilty by telling me, " Well, you got the service and you should pay for it ... you would n't got out to dinner, eat and walk away from the bill would you? '' The collector, XXXX XXXX although very nice, is completely stupid. I never GOT service at my new address, thus, XXXX was UNABLE to fulfill their part of our agreement, thus, I found a faster and better service with WAVE Broadband. XXXX download, no kidding! 

So, I called XXXX again today and found out that the fee for the " special '' we had deducted when I signed up, were ADDED back to my account on XXXX XXXX XXXX 3 months AFTER my account was closed. 

They said, " well, since you cancelled the contract, you do n't get the great deal and now you MUST PAY!!! '' XXXX. 

I got service, and DID PAY while I had it. I SHOULD NOT be penalized for something they could NOT provide. That is NOT my fault.
I had an account with XXXX XXXX when I purchased my XXXX lawn mower in XXXX XXXX. I set up automatic payments from my account and every payment was made on time. In XXXX, XXXX XXXX took a payment early, thus making two payments in one month period. They then said I did n't make the following month 's payment and it was n't I received notice that they said I had skipped a month that I realized there was an issue. I called them and they said go ahead and do not make an extra payment and then we will correct it on our side, using the double payment to be the skipped month 's pament. They agreed that I had made the payment on time and would fix their records. Well, they never did. I continued to make payments until I received a notice from Synchrony telling me that they sold my account to XXXX XXXX XXXX and I still owed a balance of {$2100.00}. This letter was dated XXXX/XXXX/XXXX. I did not open it until XXXX XXXX and continued my automatic payments to XXXXXXXX XXXX and they apparently just passed the payments to XXXX XXXX. The mower should have been paid off in XXXX XXXX yet they still said I owed a balance of {$910.00}. 

I called XXXX XXXX and XXXX XXXX to resolve the situation. After many calls, emails and letters mailed it was resolved. On XXXX/XXXX/XXXX, I received a letter from XXXX XXXX stating that the account is considered closed, I had no further obligations and that the account would be removed from my credit reports. XXXX XXXX did do what they stated. 

My credit reports still shows late payments and an open account with XXXX XXXX for the lawn mower. It is impacting my credit score and I would like that account to state closed with no late payments. As this was an error on XXXX XXXX 's part, my credit reports should not show ANY late payments and this account should be closed, in good status. Please help this get fixed on my credit report. XXXX XXXX is terrible to work with and it was n't until 2 days ago when I applied for a loan that I am STILL being impacted by them. This should have been reflected a year ago and they have neglected to keep their promises. They are terrible and their business practice is deceptive. A number of people that I have spoken to about them have stated similar occurrences happening to them. I refuse to have another card with them and recommend no one deal with them unless you want to be conned out of money.
Please help me get this fixed on my credit report. This should state account closed in good status, with no late payments. Thank you for your assistance with this matter as XXXX XXXX has not been helpful getting this fixed.
I attended XXXX in XXXX Texas for the lvn program in which I began in XX/XX/2016. We were convinced to take out a private loan in which they breach their contract by shutting their doors with no notice in XX/XX/2016. I strongly believe I should not be held liable for paying the private loan in which I was not able to complete the course. I decided to to continue the teach out plan and will decide to enroll at a community college in three near future. If possible get the money I already paid to the private loan. When we contact the lender they have no option for us for forgiveness instead insist we will still owe as they already paid their funds to the college. I feel this is no fault to myself and wish for this to be clear
The collector served court notification papers to a family member who is not me and was unaware of what was even happening. I contacted an attorney to represent me and the attorney communicated with the collector 's attorneys ( I have email records ) and reached an agreement to not pursue the case. I recently found out that the collector still proceeded with the case in court and received a judgement without either my attorney or myself present.
My Credit History with XXXX and Experian have been noted with inaccurate information which both companies after hours of communication and attorney letters refuse to correct and fail to protect the US consumer as all parties have either closed the debt complaint and or agreed it was fraudulent charges made by stolen information.
synchrony bank froze all of my accounts that I had with them and shut off access to the accounts causing late fees. When all was said and done they closed 12 accounts that I had been using and paying on without ever being late once. They say they sent a letter that I did receive stating I needed to sign a tax release form which I did and sent back. They then closed my accounts because they could not verify my identity or finances. I am a XXXX veteran and do not pay taxes as it is not required for me to do so. I sent them a statement from the VA stating how much I get paid a month and at rate of XXXX but this is n't good enough coming from the VA I guess. How can they close my accounts that I use for everything for the month then pay then back down and use again. Now they are charging fees and raising the payments causing my credit report to suffer. I have dropped over 80 points on my credit report since they closed my accounts and think they should have to pay for their stupidity.
Experian is reporting 2 Hard Inquiries that i did not authorize. 

1. ) XXXX XXXX ( Auto Fin ) ( XX/XX/XXXX ) 2. ) XXXX XXXX ( Auto Fin ) ( XX/XX/XXXX )
Attached/enclosed is proof that Equifax is reporting XXXX items that are ten ( 10 ) years and six, ( 6 ) months old. Equifax has, on several occasions, failed to remove these XXXX XXXX XXXX XXXX accounts from my credit report. Equifax 's own report shows these accounts were closed XXXX and they still remain on my report. These accounts have been removed from ALL other Credit Reporting Bureaus. Proof that Equifax is reporting incorrectly.
My wife and I filled chapter XXXX bankruptcy almost 7 years ago however we did n't file on morgage with chase who house is financed with. We keep house and keep up to date. It was in bankruptcy as not included and there was no dispute in court about no filling and keeping house. We have since also done a new loan modification as well however ever since bankruptcy the mortgage with chase will show up as a closed paid account or included and closed for bankruptcy. Different credit reports show different things or nothing at all. We habe asked lender to fix this several times and also filled many disputes with 3 major credit reporting companies and it never gets fixed or updated. Due to this we are unable to refinance house and get a equity loan. We need both my wife 's and mine credit reports fixed since mortgage was exempt on bankruptcy and also a new loan was done. This is affecting our credit and life.
Mortgage closed and paid off in XXXX. I asked Astoria Federal to remove the wording " Account Paid for Less than Full balance '' which is misleading and assumes a short sale. I 've asked them many times to remove the wording, a month ago there was still the wording and XXXX late payment reported. Since I asked for your help, the wording is removed but now they acted out by adding in XXXX late payments.
Duplicated address of the same address. Experian has multiple address as the same address. 

Filing FTC on Experian for issues of wrong information on Credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX not my address or was on my lease. 
XXXX XXXX XXXX XXXX no unit number showing XXXX XXXX XXXX XXXX XXXX no apartment unit showing XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX no my address XXXX XXXX XXXX XXXX XXXX no my address XXXX XXXX XXXX XXXX XXXX XXXX no my address never lived in no XXXX XXXX XXXX XXXX XXXX XXXX no unit showing XXXX XXXX XXXX XXXX no unit showing not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these duplicate address belong to me nor was in my name. Delete or provide from the address proof from lender/bank mort fin or lease threw apartment complex. nothing but duplicate address showing wrong information. 

I 'm also filing with the FTC on all these address that are the same over and over with wrong information and a bunch of made up address or information gather wrong or obtain wrong
I paid my final bill to XXXX, sometime in XX/XX/XXXX. I no longer owe them money, or even have an account with them. At least once a week I receive a phone call from Southwest Credit about the " debt. '' I have informed them many times that it has been paid, and I even called XXXX to straighten it out, and I am still receiving calls and letters to my home.
I applied for an offer from XXXX XXXX XXXX and was denied by Chase I already have a XXXX   credit account and am a XXXX XXXX account holder. I was not declined for those reasons instead they told me I had Deliquancy or public record. 
I have a Bankruptcy that will be off my record this XXXX after 10 years. Also told me number of new requests which was a problem with the credit bureau last year that has been resolved. Length of time since oldest credit. My first credit was when I was XXXX and I am now XXXX and last Length of time since most recent public record. I got a VA loan in XX/XX/XXXX and last record was the Bankruptcy in XX/XX/XXXX.

When I filed Bankruptcy I did list Chase as a creditor and I believe that is the reason for this decline. Discrimination.
I notice on my credit report that is nothing changed, no negatives and no collection but my scores went down in the month of XX/XX/XXXX. I did consolidate my student loans but my credit worthiness ( CREDITORS ) is the same on all three Federal Credit Bureaus. The total amount that is owed is the same ; but my SCORES went down from XX/XX/XXXX ( EX - XXXX XXXX - XXXX XXXX - XXXX ) XX/XX/XXXX ( EX - XXXX XXXX  - XXXX XXXX - XXXX ) XX/XX/XXXX ( EX - XXXX XXXX  - XXXX XXXX - XXXX  ). There should have not been any decrease in scores going downward if there were no negatives or collections, NO BAD REPORTING. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and UPDATED ON CREDIT REPORT. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. I HAVE SENT DISPUTE TO THE FEDERAL CREDIT BUREAU AND HAVE NOT RECEIVED ANY EXPLANATION OF THEIR ACTION.
On XXXX 2015 and XXXX 2015, I paid my mortgage but Seterus is reporting a 150+ days late on my credit reports. This was during a trial payment plan in regards to a loan modification.
Collection agency took over claim in XX/XX/XXXX for a medical visit that took place in 2010. I had previously paid this medical provider, albeit somewhat late. ( The bill was for {$44.00} - it was not a life shattering event creating out of control medical bills. I was simply having financial problems as evidenced by later events. ) Even if I had n't paid that bill, by XX/XX/XXXX, I had filed a Chapter XXXX bankruptcy and the collection agency should rightfully have filed a claim with the trustee, but they did not. Any valid claim would have discharged with the bankruptcy in XX/XX/XXXX, yet the collection agency was not included in the trustee 's list. Perhaps because it was not a valid claim? To add further insult to injury, this collection agency never sent me any bills or notice to back up their claim. Perhaps they tried to call, but like so many other debt collectors that I dealt with during the course of my bankruptcy, they would either refuse to leave a message on my phone or simply hang up when I answered. When I tried to call back, the phone would either go to a busy signal or was not a phone that could receive in-bound calls. 

In any case, the collection agency has gone around the federal bankruptcy court, ignored the orders of the trustee ( again, assuming they had a valid claim ) and now tried to " reset '' the clock for a bill that was incurred XX/XX/XXXX, which I understand to be in violation of other laws.
Making XXXX XXXX payments of XXXX to BOFA XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. My old regular payment was {$1100.00}. The old payment was still in my XXXX bill pay and went out my mistake on XXXX XXXX, 2015 and XXXX XXXX, 2015. Not wanting to mess up the trial payment I sent the full payment of {$1500.00} on XXXX XXXX, 2015. I need to receive credit or refund for these XXXX payments before XXXX XXXX, 2015 so I can make the full trial payment of {$1500.00}