WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I checked our credit scores with credit Karma because we were applying for an apartment and wanted to check our scores. This was on Wednesday, XX/XX/XXXX, in the XXXX Saturday, XX/XX/XXXX I received an email from Credit Karma stating that there was a new credit account on my report. I thought this was suspicious as I had just checked my score a few days before. Credit Karma seems to just be a funnel for getting customers to sign up for new credit cards stating this can improve their score. I looked up the organization on my report that was this new credit account account on my report. It was XXXX XXXX XXXX. I searched the web for them. They offer a deal where you can pay them to expunge the negative ding to your credit score ( mine had gone down 2points ) by sending them money without contacting the creditor. They did not reveal the original company of the debt or even the collection agency working for them. This seems like a scam where Credit Karma and XXXX XXXX XXXX are working in tandem to rip people off. I want the ding taken off my credit score, if there really is one and I hope this is investigated and consumers can be alerted to this scam.
I found a problem on my report and asked for an investigation of the charges. They said I could n't use the report number I had because of security issues. I asked for my annual report and they said I had received it. Yet they refused to let me use the number because they have been upgrading security issues they have experienced. Can you please help me get a report with a number they can use?
I have been paying monthly on my account I got a new credit card and my payments stopped I was told by my bank everything I had coming out directly would continue how my student loan payments stopped. I called in to see what was going on and was told when my card changed I the payments stopped okay I understand that however I fell behind and they told me because I fell behind I would not be able to go back to school. As a collection department they should have called emailed sent some type of letter but they did n't I was informed that I would n't be able to go back to school for another 6 months because they did not do there job and contact me as the manager agreed it was the company fault.
After turning in my car, I received a bill that I did not recognize. I called FORD MOTOR company and they said it was for mileage. I offered to pay it on my XXXX credit card, and they said that they do not take XXXX. 

I made other arrangements to pay. They have been paid in FULL a few years ago and they are still reporting a collection on my credit report with this account being closed in 2009. I also made all the lease payments on time for 36 months due.
I have been trying to remove this {$620.00} debt XXXX original creditor, from my credit reports for the last 3 years as this debt does not belong to me, when continued letters of correspondence with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX, and now with Source Receivables XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Management requesting documents to establish validity such as signed contracts, signatures, what services or equipment was obtained, tangible evidence neither XXXX or Source Receivable Management the present collection agency have not sent me acknowledgement of the requested documentation, nevertheless while in dispute status this still is reported to all the credit agencies, and the original creditor sold the debt to the above collection agency, and has continued to report a balance owed. Thats double the damage and is not permitted, Under the Fair Debt Collection Practices Act, debt collectors must send the consumer a written notice of the debt within 5 days of initial contact with you which never happened.
PAID ORIGINAL CREDITOR ALREADY! THIS BILL IN IN DISPUTE UNDER FCBA ACT. CEASE AND DESIST COLLECTION EFFORTS AND STOP CALLING MY WORK AND CELL NUMBERS.
I received an alert from my credit monitoring services, to check my credit reports. Credits Reports are showing an account opened on my behalf by XXXX XXXX ( date unknown ) and it was referred to a collection agency services on XX/XX/2016 with an outstanding balance of {$380.00}. The Collection agency name is AMSHER Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX / XXXX. Collection agency account number is XXXX. The collection agency referred me to a Law Firm called XXXX XXXX XXXX, phone number XXXX. XXXX does not have any record of me opening a business corporate account on my name nor SS.
In XX/XX/<YYYY>, I applied for a Citibank Citigold checking account using their promotional code XXXX on my application. This offer promised XXXX XXXX XXXX bonus miles after opening a new consumer Regular Checking account in The Citigold ( R ) Account Package and fulfilling their necessary requirements of Qualifying Debit Card purchases and Qualifying Bill Payments in consecutive months. Along the way, I continuously checked in with Citibank representatives ( through their online chat system ). Initially, I opened the account and confirmed over the phone that I was eligible for the bonus. After that, I checked in on XXXX/XXXX/16 and to make sure the promotional code was indeed associated with my account. I was told that it was and that I had fulfilled the requirements and thus, I would get the bonus. ( Please see 'Citibank Conversation XXXX/XXXX/2016 ... ' attachments. ) During that conversation I was told that the XXXX bonus miles would post to my account no later than XXXX/XXXX/2016. They did not. I then contacted Citi again on XX/XX/XXXX and the agent verified that I should 've received the miles on XX/XX/XXXX, but I did not ( Please see 'Citibank Conversation XXXX/XXXX/2016 ... ). He opened an investigation and told me I would receive an answer in 1-2 business days. I did not. I contacted chat again on XX/XX/XXXX and was told I 'd receive an answer by XXXX ( Please see 'Citibank Conversation XXXX/XXXX/2016 ... ). I did not. By this point, I had been charged repeatedly for the maintenance of the Citigold account, losing that monthly fee money each month. Finally, on XXXX/XXXX/16 I was told that I was ineligible for the miles since I was not specifically targeted for the promotion. At this point, I am very frustrated because not only had I took the time and energy to open the account and fulfill all the requirements specifically for this bonus, but I had been told repeatedly by Citi employees that I was on track to receive them and that the promotional code was associated with my account. I am also out money taken by Citibank for the fees I would not have been paying if I had n't been trying to get this promotion. We sincerely appreciate you taking the time to investigate this on our behalf! We tried to do our due diligence along the way to ensure everything was in line with Citi, but it is clear they are going back on their words. Thank you so very much!
Since XX/XX/2017, I have tried to have 2 incorrect accounts removed from my credit report, because I have not done business with the institution. I have all sent the bureaus a fraud affidavit in this regard and the 2 fraudulent/unknown accounts still exist on my report. I noticed Experian has a wrong social security number on my report. I have sent in my social security card and they still have not correct it. I believe that is how the two accounts got placed on my credit due to the wrong social security number.. 

XXXX- XXXX XXXX XXXX XXXX
Explanation of complaint : This XXXX  office, XXXX XXXX XXXX XXXX, never sent me notification of payment due after billing my two insurance companies. In fact, they claim this was a running balance even though I was back in the office for a repair of a crown, because of shoddy workmanship, and they told me I had a XXXX balance. I was recently ( XX/XX/XXXX ) served a summons for a lawsuit for a principal balance of {$160.00} which has now ballooned to {$440.00} including court fees. I was blindsided by this and contacted the XXXX  office who confessed they had an incorrect address on file and never called to resolve this. I updated the address with them, when it changed in XXXX, but they inputted the wrong zip code. Because of this I now owe a {$440.00} judgement. Please see attached. 
The address they had on file was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ... the correct address was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. They either forget to change the zip code from my previous address, which we had all mail forwarded to XXXX address, or simply inputted the wrong zip code. 
At any time we could have been contacted by phone to resolve this issue but we were never contacted. The collection agency said the left a message, which I never received and sent a mailer which I also never received. I do not have any accounts in collections this has affected my credit report severely. And the XXXX  office manager and account manager say they can do nothing but refer me to the collection agency.
I have a debt collection on my account who I do not have any idea who this company represent. I request this debt to be removed from my XXXX credit report.
I applied for a Wal-Mart Store Card on XX/XX/18 which is offered through Synchrony Bank out of XXXX FL. On XX/XX/18, I received an electronic letter informing me that my application was denied because of some key factors that adversely affected my credit score. 

My complaint is the credit score Synchrony Bank pulled on me is inaccurate. My credit score with the 3 credit bureau 's are higher than what Synchrony Bank has reported. Another key factor that adversely affected my score with Synchrony is " Too few open end accounts ''. This is inaccurate based on my credit scores listed with the credit bureaus. The bureau 's report the following open accounts which are in good standing and current ( i.e. Student loans, XXXX  XXXX Credit Card and XXXX Credit Card ). 

When I search the address for Synchrony Bank online, it doesn't give an address in Florida and I'm concerned that the address given for Synchrony Bank on the letter that is listed in XXXX Florida is incorrect. 

Synchrony Bank states that my credit is XXXX. The 3 credit bureau 's report my credit score 's over XXXX. Your assistance on resolving the big gap in scores is greatly appreciated!
TD bank denied that some charges on my son 's credit/debit card were fraudulent.I tried to resolve it with them and show that my son was at school or asleep when the charges occurred. The total amount is $ XXXX.They said they would send documentation but they did not.
I, ve contacted Lobel Financial about this debt to remove from my Credit report. Car was repoed, and later found out that the company that i received the car from license was suspended from the XXXX, therefore they should not have been able to sell the car to me in the first place. Company is in current Lawsuits to recover the deposits paid on the cars they sold. Lobel approved a loan of a car whose license was suspended by the XXXX XXXX XXXX XXXX
1 ) On XXXX/XXXX/2015 received a letter in the mail that my monthly payment has gone up to {$220.00} form {$210.00} and my payment would be late if not received now by the XXXX instead of the XXXX.No notice as to why. 
2 ) Originally the loan was in my mothers name and mine, the payment was set for auto-pay out of her account.She past away in XXXX 2015. I contacted them and the bank immediately to let them know, and stop the auto pay on my mothers XXXX account. At that time I requested ( since I would be taking over the payments now ) that the payment due date be adjusted to accommodate my banking. They told me that they would have to finish processing my mothers death certificate first and then supervisor could assist me with that. When I called back and I was transferred to a supervisor XXXX he advised that they do not change the due date for any reason. And stated my contract stated that my payment was due on the XXXX of every month and I have a 10 day grace period so if my payment has to be received on or before the XXXX, or it would be considered late. I asked him considering that my mother was the primary on the loan and she pasted away, and was a good customer. If they would consider making an exception & adjust the payment due date. They said no. I also mentioned to them that I would also need a payment booklet, I still have n't received a payment booklet yet, and I always pay on or before the XXXX. I feel like this company is not following fair consumer practices. I feel like they are trying to make it look like I 'm making late payments when they are paid on time. They are not providing me with proper payment information as stated in their contract. To this date I still have n't received a payment booklet from them. It seems like they are trying to make it look like I 'm late on my payments. In order to make it look like they would have the right to repo my car. I do not trust this company. I 've always been a good customer paying on time, and I feel like they are being dishonest & trying to take advantage of me/ ruin my credit.
I 've requested the cancellation of the property scheduled for XXXX XXXX, 2016 .I 've also notified them that a Lis Pendens that was filed in XXXX XXXX XXXX XXXX Court in Florida regarding the actual assignment that originated, created and executed in Florida XXXX Wells Fargo have denied my request even though the basic requirement of a non-judical foreclosure is the assignment. 
Also they refuse to respond through the CFPB portal and states over the phone that their response is in the mail. Their responses in the past have been, your questions are too broad or we 've responded to your request. Thank you for your attention in this matter.
I was given free credit protection with Experian due to a security breach. It promised that I would be able to see my credit score right on their website. But, I could not get it, so I called. After much wasted time on the phone Experian said that it was not included in my free service, but that I could get it at freecreditreport.com. So, I logged in there and was told " Congratulations, you are eligible for a seven day trial membership {$0.00} credit report. '' But, when I tried to access it, it told me that the cost was {$21.00}. Another very long frustrating call and I was told that it would be available in 2 days. I totally do not believe this and am convinced that Experian is deliberately misleading and deceiving customers. Please do something to make them stop. Thanks.
I have notified Equifax that I was a victim of Identity Theft and I have provided them with a Identity Theft Affidavit. To date, Equifax have not removed these accounts and inquiries within the last 16 months from my credit file. The Release Tax Lien is not mine because I never had a Tax Lien
I 've disputed 2 public records with Equifaxfor 7 months now and they are reporting information that clearly is not correct. Each month I send a copy of the public records page of my credit report that proves that are reporting a court name that is invalid along with other information such as filing dates that DO N'T EXIST and they do nothing to assist me! Here is the information that I am disputing and I require that they remove this obviously inaccurate information : XXXX CT XXXX # 1 once again I 'm sending you proof that the balance should be {$0.00} when you are reporting this as {$26000.00} # 2 you have an non-existent date of " XX/XX/XXXX '' and I 've sent this proof 4 times already! Remove this immediately! 
# 3 You do not have a plaintiff # 4 the reference # is inaccurate # 5 the court is listed incorrectly as " XXXX '' - this must be listed accurately and correctly and this is not a court name # 6 the balance is not listed accurately XXXX XXXX CT XXXX # 1 once again I 'm sending you proof that the balance should be {$XXXX} when you are reporting this as {$43000.00} # 2 you have an non-existent date of " XX/XX/XXXX '' and I 've sent this proof 4 times already! Remove this immediately! 
# 3 You do not have a plaintiff # 4 the reference # is inaccurate # 5 the court is listed incorrectly as " XXXX '' - this must be listed accurately and correctly and this is not a court name # 6 the balance is not listed accurately XXXX XXXX XXXX shows an open date of XX/XX/XXXX Equifax shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XXXX shows 180m Equifax shows 15y and XXXX shows 10m XXXX/Equifax/XXXX show no high balance, no type, no monthly payment *This account shows that it has not been updated since XX/XX/XXXX! This means that you have not investigated this account whatsoever and that you are in violation of the FCRA! 
No payment history is listed No high balance No monthly payment
My  XXXX   XXXX    XXXX   Retail card was closed and the reason is noted as consumer request to close.      1 )  I never requested this account be closed, I was n't notified in writing email or by phone. all my contact information is up to date and no attempts were made to contact me,  XXXX  did n't even argue this point. This is totally u  nprofessional and poor service for customers.
2 ) This misreporting has prevented me from securing student loans.
3 ) My average account length, utilities, used to available credit ratio. The score dropped  XXXX  points.
4 ) Requested Resolution : The account needs to be reinstated, returning my average age of credit, credit use to limit ratio, number of accounts, and mix of account types to where they were prior to the UNAUTHORIZED closure of my account and the INACCURATE CREDIT REPORTING.
Written Equifax Credit several time about a medical bill but it has never but disputer dispute me sending cert. mail and fax letter and phone calls this company refuse to address my concerns. example of last letter sent : Mail Equifax XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX Phone XXXX XXXX Dispute XXXX XXXX XXXX This was my State treating doctor for my XXXX  injury, 1997 When I was hurt on the job at XXXX XXXX XXXX XXXX XXXX was my treating doctor. Under State Law a treating injury doctor should bill my job due to the nature of my injury under XXXX XXXX. This is a XXXX bill due to state regulation. Therefore, I am requesting this item to be remove due to the fact XXXX pass my medical bill due to injury by the State of Texas Please attach statement
I am writing due to the continual harassing actions forged against me that have only become worse after my last attempt for assistance from CFPB in this gross and premeditated matter against me.   I have always paid on or before the  XXXX  of the month as my payment history shows and am writing you on  XXXX / XXXX /  XXXX  . I always pay over the requested {$930.00}, paying {$1000.00}. each month. With that said, and because I have already written CFPB of the unwarranted harassment directed toward me, I have now received a Notice of Default letter.   First, I am not 30 days late for  XXXX  's payment. In the Notice of  Default letter, Ditech  has added the month of  XXXX  's payment.  Second, Ditech  sent the letter which includes that I have several   hundred " over paid '' dollars on my account that are listed as " unapplied funds ''.
So I have an over payment that is sitting in " unapplied funds '' of several hundred   dollars AND a Default notice for a payment that is not 30 days late ... PLUS the next month 's payment that is not due til the  XXXX  of  XXXX , next month? To add insult to injury I consistently receive monthly bills that are " ballooned '' to reflect 2 and 3 months at a time therefore the monthly statements do not equal the harassing letters sent.   Finally, I know when I pay this amount off, I feel I have no choice, .... next month, the same harassment, the same demanding letters, the same threats to pay unwarranted monies will continue ...  XXXX  as they threaten to attempt to take my home.   All this and I have consistently paid Ditech not just the monthly {$930.00} but {$1000.00}. each month ... .consistently.
On XX/XX/XXXX I made a deposit into my checking account at XXXX XXXX via the ATM machine for the amount of {$120.00} to make my balance a total of XXXX to cover a payment that was going to be coming out of my account on Wednesday. The bank ended up having issues with the deposits posting to accounts via the ATM machine and my car payment was returned to as a NSF because the deposit had not been posted to the account. No one from the bank reached out to me once they knew the atm had an issue to say that they was going to be working on it or anything. I got text messages from the bank stating I had a pending credit of {$120.00} on Monday, Tuesday, and Wednesday. I logged into my account online on XX/XX/XXXX only to find out that my car payment was returned due to nsf. Which didnt many any sense to me because I made a deposit for the amount to cover the payment that was coming in. When I contacted the bank the first rep I spoke to on the phone hung up on me and the second rep didnt help at all. I asked both reps for a supervisor to be able to assist me and to help me to be able to understand why they didnt go ahead and allow my payment to be made to XXXX because they knew they had issues with the deposits. The bank went into my account and cleaned up my account making it look like I made a deposit on Thursday when I made it on Monday which was incorrect.
Greetings & Salutations, Have a issue with bank of America credit card. The account was sent to collections & I sent out a debt validation letter on XX/XX/2014 & received a response on XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX. 

Your recent communication regarding the above debat was received. The account has been closed in our office, & we are no longer servicing this account. Due to being unable to validate the debt. 

Bank of America won't take the {$6200.00} off of my credit report. I reported this to the credit reporting agency on XXXX, XXXX, & etc .... 

I called Bank of America for the account & they refuse to take off the debt on my credit report even though they are unable to verify the debt & no contract was signed for the debt & is a unsecured debt. The credit reporting agency takes the creditors word for it, due to being unable to ask for evidence from the banks. 

As a result, the statue of limitations is 6 years in Washington state & have to come off my report. Having the same issue with XXXX card regarding the the same result mentioned above. 

Sincerely, UCC 1-308 Without Prejudice XXXX XXXX
I have XXXX lenders stating that I owed them a {$4000.00} loan from XX/XX/2006. I have a private loan but it not them. I am attaching documentation from University XXXX and neither of them is the Lender. They are destroying my credit.
I have been calling TransUnion credit reporting agency to try and dispute some inquiries on my credit report each time that I have called and spoken to a transunion representative I have been told no that I 'm not able to dispute any inquiries on my credit report I have also asked the representatives is there any way that I could dispute online or over the phone I have also been told no I have called TransUnion on several occasions at different times and spoken to different representatives and they each told me the same thing that I 'm not able to dispute my inquiries. And would not assist me in doing so.
Just saw a XXXX charge on collections on my credit score have not been with them since a long time did not owe them anything. I paid everything before I left now its showing a {$240.00} charge. 
I have not received any letters