WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a dispute with Equifax XXXX XXXX, XXXX. I received an email that the dispute was completed on XXXX XXXX showing that my bankruptcy is validated by XXXX XXXX. I know this information to be false and that they did not verify it through XXXX XXXX. I have a security freeze on my XXXX XXXX account since XXXX XXXX, XXXX. I also contacted XXXX XXXX bankruptcy court and inquired if they furnish court information to the credit bureaus, was informed that do not. I believe Equifax is not actually verifying/validating any disputes but saying that they are doing so.
Diversified Consultants are reporting on a XXXX XXXX debt on my collection report. A different agency by the name of XXXX XXXX are now reporting the same debt as well. This debt is for XXXX XXXX cable. I 've spoken with a rep with XXXX XXXX the first week of XXXX and paid {$87.00} owed for services, the remaining balane of {$170.00} I advised her I did not owe because I had already returned the service equipment. I am no longer liable for the debt with XXXX XXXX or Diversified Consultants, and under no circumstances should two collection agencies be reporting on the same debt.
Experian fails to remove the XXXX XXXX account. Experian reports incorrectly that this account Terms are Revolving. Experian reports incorrectly that this account balance is {$8500.00}. Experian reports incorrectly that this account is past due {$8500.00}. Experian reports incorrectly this account Credit Limit is {$7000.00}. Experian reports incorrectly that this account is over it 's Credit Limit. Experian reports incorrectly this account 's date of first delinquency. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
My information was part of the Equifax hack, and I am livid. I hope I receive some sort of monetary compensation for the risk this awful company so carelessly put me in.
I use autopay, from my bank to pay my Citicard credit card. Citicard was set up to send me paperless statements. I never received an alert or courtesy via mail, or telephone call stating that minimum payment changed. The emails were automatically going into my gmail " promotions '' which do not show in the inbox. Monthly payments for the past amount were paid, on time every month for what I thought was the minimum due. I was not aware that I was getting a late charge, that accrued with continued late payment for 4 months. 

Late payment were charged X/XX/17- {$25.00} XX/XX/17- {$35.00} XX/XX/17- {$35.00} XX/XX/17- {$35.00} Automatic payments were made X/XX/17- {$25.00} XX/XX/17- {$25.00} XX/XX/17- {$25.00} XX/XX/17- {$25.00} It is obvious that I had/have all intentions on payment. Citibank refuses to issue a refund on the late payments and they have marked my credit as late and stating they can not reverse the late on my credit report.
XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information to establish several fraudulent accounts without his consent. Some of the applications submitted resulted in fraudulent related inquires. A formal dispute of those inquiries was sent to the respective organization however the inquiry was not removed ; this is a violation of FCRA regulations. A dispute was then sent to the credit bureaus and again the inquiry was not removed, another FCRA violation. As of this morning a credit report found CCB ( Comenity Captial Bank ) is reporting the fraudulent inquiry generated to XXXX X/X/17.
After Hurricane XXXX XXXX ( servicing for VA in PR ) offered the Disaster Relief for the months of XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. They didnt tell me that I had accruing interest on my loan since the past VA ( servicing ) XXXX Mortgage. At the time of the Disaster Relief option they did not tell any rulings of repayment. I keep calling and follow up the situation and without notification they affect my credit score and put my loan indiscriminate on default. 
I call and I talk to a BPPR representative to do pay by phone payments since XX/XX/XXXX thru XX/XX/XXXX but they never said that they received any keep a portion unapply to my loan. 
The numbers cause that supposly I have {$13000.00} in default even that I pay my monthly mortgage payment of $! XXXX. 
BPPR as servicer for you as qualified mortgage in VA are not in compliance with the CFPB mortgage rules. 
I need your help because as a retired VA I deserved my rights protected and stop living with all this anxiety not only for the financial issues and family inestability cause for this situation.
Unfortunately my daughters and myself have always had Medicaid which covers 100 % so i have no clue why this debit is on me. If this cant be resolved I will hire a attorney
Dear Sir, I have been member of Bank of America Individual Credit  Card since XX/XX/XXXX. I have called up Bank of America customer care and informed them to close my individual credit card at consumer request effective from XX/XX/XXXX. Bank of America closed my credit card on XX/XX/XXXX as requested by me. During my conversations with customer and written letters from  Bank of America, it has been mentioned that Bank of America may allow such as internet service provider, health clubs or insurance companies. when the card is closed, how does bank of America allow any transactions?. I have never ever used my individual Bank of America credit card for anything like internet service provider, health clubs or insurance companies. If someone use my closed credit card for any kind of transactions or bills ( service provider, health clubs or insurance companies ), this will be considered as Identification theft and will be communicated to FTC and Law Enforcement officers by filing the official complaint. Closed Credit card should not be allowed for any kind of transactions or bills, first of all I never used bank of America credit card for any kind of bills and only used for Balance transfer and committed Balance transfer amount, I have been paying monthly as agreed. I am not using this closed credit card and also not authorized for any kind of transactions. I am only using online credit card account to pay monthly payment till the complete balance is paid off. Monthly statements should be sent to me and allow me to pay the monthly payment for remaining balance. Since account is closed on XX/XX/XXXX, Any transactions in this account will be considered as identification theft and  unlawful. I also requested Bank of America to close the credit line and make to XXXX  so that there will not be any transactions in this account. Could you kindly direct Bank of America to close my credit line to XXXX  and not to allow any transactions ( since XX/XX/XXXX ) on my closed credit card, I am only allow to use online account to pay my monthly payment till it gets completely paid off. For any kind of transactions on closed credit card, Bank Of America is going to be legally accountable and responsible.
I checked my credit report and noticed three negatively reporting trade lines from Choice Recovery for {$400.00}, {$400.00} and for {$570.00}. I have no idea where these debts originated. I have never done business with Choice Recovery.
On XXXX XXXX, 2016 I received text notification from XXXX that a new credit account was issued. I contacted them and was told it was issued by CHASE bank. I asked who initiated it and response I got was : " Do you purchase items online from XXXX? ". They did not claim that XXXX initiated issuing the card and gave me the fraud contact number of CHASE bank. HOWEVER, WHOM EVER INITIATED IT SEEMED TO HAVE MY COMPLETE SOCIAL SECURITY NUMBER. I called the CHASE fraud number and after some discussion they informed me that a new card had been issued ending in XXXX, and it was mailed the day before. ( I RECEIVE JUNK MAIL SOLICITATIONS FROM CHASE ALMOST WEEKLY-with my name and address pre-printed on their appliction form, and shred that part before putting the rest in the recycle bin! ). The CHASE representative closed the account and instructed me to destroy the card when received. 

I received the card packet on XXXX XXXX, 2016 ... thinking it might have sent to another address because of the delay. The packet was filled with information with the Amazon.com logo explaining the use and benefits of the card. The card is even identified as Amazon.com rewards VISA with CHASE info on the back.To activate the card I even have to visit chase.com/verifycard or call XXXX. 

The documents enclosed in the kit included two pages with the amazon.com logo. One letter begins : " Your Amazon.com Rewards Visa Card has arrived. '' That one gives the account number, ending in XXXX, THE CREDIT LINE : {$6500.00} ; and the CASH ACCESS AMOUNT OF {$1300.00}! 

I DID NOT AUTHORIZE THIS. Amazon says they did not ... check with CHASE Bank. CHASE Bank did not deny any of it but did cancel the card. 

NOTE : Letter with amazon.com and CHASE ( with logo ) was from XXXX XXXX, Executive Vice President, Chase Card Services. IS THIS A PART OF CHASE BANK?
I feel that I was given bad information and encouraged to put my student loans in forebearance, rather than other reasonable options, income driven payment, nurse loan assistance etc. I was never given information and encouraged into forebearance, now my interest and student loans are well out of control in excess of {$450000.00}! I feel lost, a victim, scared for my family 's finincial health etc
In XX/XX/2017, I ordered XXXX items from XXXX XXXX totaling {$45.00}. 
On receiving them, I decided to keep just XXXX and return the other XXXX because I did not like them. 
I called XXXX XXXX to get the exact amount for the one I was keeping and they told me {$15.00}. I wrote a check for that amount, put it the package of the items I was returning and mailed it at the Post Office on XX/XX/XXXX. My post office receipt shows that delivery date would be XX/XX/XXXX. 
My next statement payment due date was XX/XX/XXXX. XXXX XXXX confirmed to me that they my check and returned items in XXXX. 
Then I received a letter from XXXX XXXX stating that my payment was late and that they have assessed a late charge on my purchase. 
I immediately called XXXX XXXX to inquire why my payment would be reported as late. 
They told me that XXXX XXXX is their bank which underwrites their account. They gave me the bank 's number and asked that I should call them and tell them that they received my check in good time but that they delayed presenting for payment in time. 
I called XXXX XXXX  and explained this to them. The rep who took my call stated that she will leave a note against me account that the check was received in time by XXXX XXXX. I thought this was over. 
The next month, XXXX XXXX sent an adverse report to the XXXX credit reporting agencies that my XXXX account had a late charge. Every month they increased the amount. 

I lodged a complaint with the XXXX credit bureaus regarding this matter. They tell me they have contacted XXXX XXXX to no avail. XXXX XXXX continued increasing the so called late charge until they brought it up to {$200.00} and then charged it off. 
XXXX XXXX has adversely affected my credit rating all for a business transaction in which I paid my bill and in good time.
After observing my credit reports, I was disgruntled to discover that XXXX XXXX was inaccurately being reported in my reports. This account is closed and was to be deleted from my profile. Also the Account Incorrectly Reporting " 30, 60, 90 Days Late. This Account has Never Been Paid Late. It has been very damaging to my credit standing. The inclusion of this inaccurate information is a mistake and I am formally requesting an investigation into this item. I am requesting this issue be corrected and the item please be removed.
In XXXX 2016, I entered into a repayment agreement with Navient concerning three private law school loans totaling almost {$30000.00}. I agreed to pay {$200.00} a month on the XXXX of each month, and in exchange, Navient agreed to lower my interest rate to .001 % after three timely payments. I have made 18 payments now of {$200.00} a month, totaling {$3700.00}. Despite the repayment agreement and on-time payments ( which Im continuing ), Navient refuses to send to me a pay history showing how my balance is declining or how the payments are benefiting my bottom line. Even worse, Navient still shows my account as past due and continues to report it to the credit reporting agencies that way. I have asked them to correct this, but they refuse representing that the prior default has not been remedied. This makes no sense and is violative of the FDCPA and other statutes because we entered into the XXXX  2016 repayment agreement which supersedes the prior repayment arrangement and remedies any outstanding default.
XXXX XXXX XXXX opened a new collection account in XX/XX/XXXX after I gave them XX/XX/XXXX bankruptcy information, by phone when they called my employer, in XX/XX/XXXX. This account was collection for an account included in XX/XX/XXXXbankruptcy. This account should be DELETED as a post-bankruptcy collection has significantly affected my credit score. I sent an email to the XXXX  on XX/XX/XXXX. I sent a fax to XXXX on XX/XX/XXXX. I called XXXX on XX/XX/XXXX. Representative XXXX put me on hold then disconnected me. On XX/XX/XXXX, I again called XXXX and was transferred to the voicemail of an unknown person. I left a message. I have yet to receive a response from XXXX. I am attempting to refinance my auto loan and this incorrect collection account has caused a significant delay. Post-bankruptcy collection is definitely a negative impact and a violation of Federal Bankruptcy laws.
I've disputed incorrect address to XXXX XXXX in XX/XX/2018, as well as to Equifax on XX/XX/2018. They both are refusing to delete the incorrect address off of my credit report. I've never resided at the address and my name did not appear on their lease. the incorrect address are : - XXXX XXXX XXXX XXXX, Il XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
The only addresses that should be reported on my credit reports are - XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX   XXXX In addition to the only phone number that should be reported is XXXX. I've been denied apartment applications because my credit history reports differently.
I was first notified that my XXXX account was closed from one of the  credit bureaus a couple of weeks ago. I was never notified of the closure and assumed it was a mistake. Today ( XX/XX/18 ) I called XXXX and they told me that they didnt send me a letter or email because they didnt know if that was my accurate address or email on file and were protecting me. Which is a complete garbage response because you could easily send an email or letter without revealing any personal information. They justified the closing of my account because it says in their T & Cs that they can close my account after 30 months of inactivity which I have no argument about. My issue is that they didnt notify me and give me the opportunity to use my account. That XXXX card is my oldest account and Im really trying to actively manage and improve my credit score and this doesnt help. They said they cant reinstate the account but I can apply for a new one, which Im absolutely NOT doing, particularly because Im trying to manage said credit score. I understand they have to manage their profitability but not notifying me and then telling me theyre doing me a favor is insidious. All of my account information is correct and up to date by the way - I updated it about 8 months ago when I moved to my new address.
I have student loans from XXXX College called Genesis loans. From what I understand based on an article on your website, these loans were supposed to be reduced by approx. 40 % as a condition of the sale of XXXX College to a new owner. This article was from XXXX, 2015. From everything I read, this reduction should have been automatic with no action required on my part. But as of today, my loan balance has not been reduced at all. It is still around {$17000.00}. I would like to have the reduction I believe I am entitled to based on all the fraudulent practices of XXXX Colleges.
I have had issues with XXXX/Sallie Mae assisting me with trying to repay my loans. When I was not enrolled in school, my loans went into repayment. I told the representative that I could not afford that monthly payment and was there a way to lower my payment. I was told that I did n't have any options other than the monthly payment given or to file a forbearance which is only allowed for a few times during the life of the loan so I did n't want to actually use my forbearance time. Then I was told it would affect my credit if I did not. So it was as if I was forced to use the forbearance time. So I reluctantly agreed to do it because my profression is XXXX so I having negative items on my credit is not an option and could cause me to lose my license. After telling the representative, yes, then she tells me there is a fee to process it and hold it so it does n't delinquent report to the credit report until they get the Forbearance complete. The fee was {$170.00} based on the number of loans I had at that time. Since I did n't want to continue to use my forbearance time because if that 's the only option I have, I need to use it when I really have no option. So I enrolled in a part time in an online problem. Then I get a call from them saying I was due again for {$700.00} and something on my account. I had n't received a notice saying I was back in repayment. I called them once more and told them I was now enrolled in school. They directed me to a form to have my school to complete saying I 'm enrolled in school. My school completed it and faxed the form back to number stated on the the form. I continued to get calls and finally got a representative on the phone. I told the representative that I had my school to fax them the in school form as directed. The representative then tells me, " it 's not our responsibility to check the fax for your forms. Hold on while I go look. '' She comes back on the phone and says, ok we have it and will get the forms processed. I told her thanks and asked her " do you all have any income based repayment plans now? '' She tells me, " umm, that depends. Since you 're in school do n't worry about it. After you get out of school we can discuss what your options are. ''. I feel that I should have more options than forbearance or harming my credit if I can not afford my monthly payments. Why should I fear a program that was intended to help me?
I have sent in multiple FTC reports for fraudulent accounts to Equifax and they refuse to delete them. I have a afraid alert on my account and has had one for months. I need these to account immediately deleted because it is messing up my credit history and hindering me to buy a home! I need a new report delivered to me once deleted. Thank you amounts and dates as attached
In XX/XX/XXXX, I found seven accounts reporting inaccurate information on my credit report. On XX/XX/XXXX, I wrote and mailed a letter to XXXX, Experian, and XXXX XXXX ; asking them to correct the seven errors. Well over 30 days have passed, and I have yet to receive a response from any of them.
My monthly plan is automatically debited from my bank account every month with an agreed upon payment of XXXX. This month they charged me XXXX with no prior notice, no explanation of why my monthly payment was raised and still claim I am past due. This over charge put me in the negative with my bank which activated an negative balance charge.
In XXXX 2014-XXXX/2014 me and spouse resided at XXXX XXXX XXXX XXXX XXXX, CA XXXX. On XXXX XXXX, 2014 my car was broken into within the garage on same property resulting in damages to tire nd exterior upon requesting leasing manager review camera to identify assailant was informed that there was no camera within parking garage. My wife and I got intimidated and request that our lease be vacated and we be allowed to move without penalty such as eviction or collection for future rent amount, the then leasing manager a XXXX XXXX XXXX XXXX  gave verbal permission and also signed an agreement for date we should vacate same property upon which we complied as such was XXXX/XXXX/2014. Five ( 5 ) months later we receive a notice from a collection company demanding a estimated amount of over {$8000.00} each for unknown debt, we have gotten an eviction notice from a court and we have in our possession written agreement signed on XXXX XXXX, 2014 giving us permission to vacate same property we were never warned about impending collection of debt we have also sent to the collection agency copies of several letters with leasing manager signature complying or in agreement for us to vacate the apartment building on or before XXXX/XXXX/214. We can furnish your agency with said copy also several attempt as been made through all XXXX ( XXXX ) credit reporting agency without them taking acting on our behalf.
I have a credit card account with Nordstrom Department Store. I made a payment in full on XXXX/XXXX/16 directly online from my checking account. The amount has been transferred to Nordstrom and my account reflects as of the XXXX/XXXX/16 to been paid and withdrawn fro my bank. Nordstrom reflects this when I view it online, but does not give me credit for it. I have called and spoke with the manager, XXXX XXXX in California and was told that the account was place on hold until XXXX/XXXX/16 due '' making sure the payment clears and due to my credit history on my credit bureau " ( of which I have never been late on any payment to anyone ever ). He quoted the terms and agreement, then admitted the payment had been received by ACH on XXXX/XXXX/16. I find the timeline to apply, reflect a XXXX balance and restore my credit line is unnecessarily to long and is hindering my ability as a consumer.
I was the victim of identify theft in early 2014 and had money stolen from my checking account at XXXX XXXX XXXX during the period of XXXX through XXXX 2014 through unauthorized charges. I subsequently was able to launch investigations and with XXXX XXXX XXXX help I was able to recoup most of my money. However, I did fall behind on certain bills because of this issue. I incurred various 30 day late payments on XXXX accounts as a result of the identity theft in the period. XXXX 30 day late on my XXXX XXXX XXXX XXXX credit card, XXXX 30 day late on my XXXX XXXX account, and several 30 day lates on my lending club loan account. I have been working with these XXXX creditors and the XXXX credit bureaus ( XXXX, XXXX, and Transunion ) but they do not seem to fully appreciate the issue. I dont feel like I should penalized on my credit reporting which impacts cost of credit and job opportunities when I am the victim. When I try to discuss the issue with the creditors they tell me to speak to the credit reporting agencies. When I speak to the credit reporting agencies, they tell me to speak to the creditors. I am the consumer that is stuck in the middle and neither party can explain to me what the process is to resolve. I have also filed a complaint with the Federal Trade Commission and received an identify theft affidavit. I am including copies of the FTC affidavit as well as several claim forms from XXXX XXXX XXXX where I had to have XXXX XXXX XXXX investigate the claims. The claim documents were provided to the creditors and credit reporting agencies but I could not get a response from them on how to address this issue. Please let me know if you can help me.