WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, I found out that I was a " Cosigner '' on my daughter 's student loan when it was in default. 
I asked many times for the original loan documentation, as I did not sign anything for her loans. They reply with information on Identity theft, and referred me to the fraud department. 
As I have not seen anything, at all, of the original loan documents I have no way to determine anything. Meanwhile, I was receiving over seven calls a day ( documented ) telling me I was in default. I would call back each time and ask they stop calling me, and informed them I had paid the past due amount. They called for approximately 9 days after I had paid. 
I also took a huge hit on my credit, and still had no knowledge or information on this loan. I paid the past due amounts to save my credit, and am making payments I can not afford, and still after two written letters have had no response from XXXX XXXX regarding the documents I may ( or may not have signed ). I was told the only address was to the fraud department. They replied with instructions on how to file a police report on my daughter. But nothing on the loan, no supporting documentation on the loan, and nothing I had signed ... 
She does have student loans, and all are cosigned by her father, who has an income. I was, at the time, a housewife, barely making minimum wage. I am now employed, but the loan 's payment is almost half my salary. I have no knowledge of this loan, no answers from XXXX XXXX, and am paying just to keep my good credit - which has been hurt by late payments on a loan I have no knowledge of, nor have seen any papers showing I co signed anything? 
How can I be basically blackmailed to make payments on something they refuse to prove I signed? 
I have also asked for some sort of repayment plan or reduction in payments - and am told the only thing I can do is pay {$150.00} for a month deferment, while interest is compounding and nothing is accomplished. Additionally, the interest rate is 11.6 % and keeps going up. The loan was reported to be for {$30000.00}. They now claim I owe {$53000.00}. I'm XXXX years old. I could never pay this in my lifetime ...
I closed out my Capital One IRA, with a form detailing the external account info that the funds were to be transferred to. Capital One sent me a letter explaining that the IRA distribution was completed on XX/XX/XXXX. On XX/XX/XXXX the funds still had n't shown up in my account. I then made a series of calls to Capital One trying to locate my IRA funds. 
Problem # 1- Customers CAN NOT speak to anyone in the IRA ops dept, I was told this many times ( and quite forcefully ). 
Problem # 2-I was told that the funds had n't returned to Capital One, so there was no problem on their end. 
Problem # 3- I was told I would receive a call back by end of business on XX/XX/XXXX, did n't happen. 
Problem # 4- I was told I would receive a call back first thing on XX/XX/XXXX, did n't happen. 
Problem # 5- On the morning of XX/XX/XXXX I was told an investigation would be opened, on XX/XX/XXXX I was told no investigation was opened. 
Problem # 6- On XX/XX/XXXX a supervisor very rudely told me that she did n't know why I was promised calls back in those time periods, they do n't do that because things like this can take 24-48hrs or longer to solve. 
Problem # 7- The same supervisor told me repeatedly ( and forcefully ) that there was no trace ID. *All ACH transactions have a trace ID. 
So today I call Capital One again, the person I spoke to told me that my case was closed because " there was no trace ID ''. I was also told that my 2nd case was closed because my call back number, that I confirmed TWICE, was disconnected ( it is n't, it 's the same XXXX phone I 've made all these calls on. ) Now I call XXXX XXXX XXXX ( ending point for the funds ), explain the situation to them and Capital One 's unwillingness to help. Turns out there was a series of zeros that should n't have been in front of my account number on the ACH from Capital One, so XXXX returned the ACH to Capital One on XX/XX/XXXX, and XXXX gave me the trace ID for the ACH return. I give this info to Capital One, and their reply is " We do n't have the return, it can take 5 business days to process '', ACH is at most an overnight process.
Transunion shows XXXX open accounts in collection for medical bills originating at the XXXX ( {$1200.00} ) and XXXX ( {$650.00} ). XXXX these accounts are actually for the same bill. XXXX sent me correspondence stating that they would accept a reduced amount ( {$650.00} ) to satisfy the outstanding {$1200.00} bill. I paid the agreed {$650.00} directly to XXXX on XXXX XXXX, 2015. The cleared check is attached. Despite my resolving this account by agreement, Transunion still shows these accounts as open and in collection.
On XX/XX/2019 an account from IC Systems showed up on my credit report and I do not have any debt. I am a victim of identity theft.
HEALTH CARE COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX AZ, TURNED IN A NEGATIVE REPORT TO THE CREDIT BUREAU FOR A MEDICAL SERVICE THAT I HAD INSURANCE FOR. I WENT TO HAVE A XXXX  DONE AT AN IN NETWORK FACILITY THAT MY INSURANCE RECOMENDED, THIS FACILITY USED AN OUT OF NETWORK XXXX, WHO BILLED ME FOR {$1400.00}. I CONTACTED THE FACILITY THAT PERFORMED THE PROCEDURE AND THE OFFICE OF THE XXXX, BUT THEY STILL TURNED THEIR BILL OVER TO A COLLECTIONS COMPANY AND MESSED UP MY CREDIT
Ocwen Loan has reported several different account numbers on my credit reports for the same account. I called them to verify debt - all but XXXX are invalid account numbers. XXXX invalid account number is reporting on my credit as included in a bankruptcy in XXXX XXXX and closed on XXXX/XXXX/XXXX. I filed for bankruptcy on XXXX XXXX, XXXX. All of the adverse accounts on my credit report were included in this bankruptcy but this XXXX invalid account shows as another date. 
I have disputed with all XXXX credit reporting bureaus and they will not remove it. I do not understand why this false account is showing on my credit report and with a false date for bankruptcy. 
I am not credit worthy for anything with this mortgage deficiency POST BANKRUPTCY, which is not even a valid account. My correct mortgage account was included in my bankruptcy and it reports as such on my credit reports. 
I am asking for help in getting Ocwen and/or XXXXXXXX, and XXXX to remove this false information from my credit reports.
I opened a Sears account a few years ago to reestablish my credit. I received a letter from them dated XXXX/XXXX/15 informing me that they were not renewing my account after the due date. In the letter it states twice in the letter information from my credit report. It states their decision was based on a credit system that assigned a numerical value to various item on your account and credit report. After providing the details with the credit bureau contact info it states, Please note, other than providing information, the reporting agency played no part in or decision, that is not true. I spoke with XXXX today who informed me that the did a soft inquiry on my account to review my credit. During the month of XXXX 2015 I had a XXXX balance. Sears and Citibank bank were not truthful in providing the reason as to why they were not renewing my card. If the credit bureau info was not a factor why was it on the letter twice? My credit history should not have been a determining factor with my Sears account. My history with Sears ONLY should have only been reviewed.
On XX/XX/XXXX, a derogatory remark from Midwest Recovery Systems in the amount of {$1500.00} was reported on all 3 of my credit reports. XX/XX/XXXX, I sent in a debt validation letter to them. Midwest Recovery Systems received my letter on XX/XX/XXXX. I didn't receive a response from them by XX/XX/XXXX. XX/XX/XXXX, I sent in a follow-up letter stating since they failed to validate the debt within 30 days to remove it from my reports as a courtesy.
Our non-profit organization was abused and harassed by XXXX XXXX, Olde City Financial. The company collecting the debt switched collection agencies to a collections attorney. We settled the debt with the attorney for {$25000.00} one year ago. We send payments each month to the attorney and have paid {$14000.00} to date. 

Three months ago, I started receiving undated collection notices from Olde City Financial stating they receive our payment and requesting payments ranging from {$35000.00} to {$38000.00}. 

Please make them stop. I don't want to contact them for fear the long, abusive phone messages will start again ( I saved them ),  emails, calls after hours, calls to my work, etc. 

Thank you.
Listed below are on my credit report : I am XXXX XXXX XXXX NOT XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$130.00} Amount {$130.00} Status Date XX/XX/XXXX Status UNPAID Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date  XX/XX/XXXX Status UNPAID Case/Docket # XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Amount {$800.00}
I open a account with capital one and i deposit money to my the bank a year ago. and i still have XXXX dollar in my account. 
they put my account on hold and close my account and say that i cant withdrawn my money and told me have a nice day. 

i think there was a FDIC act that and banking rule that they suppose to give you back your money and closeing your account becuase they choose not to do business anymore. 
for a period of time.
I have sent certified mail four times to Transunion ... I 've been disputing UNVERIFIED accounts on my credit report. I 've followed their protocol request to contact creditors per my phone conversation with Transunion dispute department on all unverified creditors. Every creditor have advised me that they do n't and will not contact credit bureaus under any circumstances ... They only give information once bureau requests info from them. If this is the case why Is n't the requested information I 've been requesting honored ... This inaccurate/derrogatory information is sincerely hindering my ability to refinance my properties which ballon payments are coming due in XXXX 2017. I 've been fighting with Transunion since XXXX of this year 2017. They 've not addressed any/all the derrogatory information in my credit report as of XXXX/XXXX/2017. I 'm requesting assistance in this delicate situation. Thanks.
My mortgage was sold to Chase approximately 15 years ago, and I have had nothing but issues with them since. First, my home was hit by a hurricane in 2004, and Chase held up insurance payments to me during rehab of the property, causing me to pay subs out of pocket, and waiting for months to be reimbursed. I know that was not the intent of the law that sends insurance payments to the lien holder. They only have one department that handles these disasters, and they are located in California, with no concept of hurricanes. 
Now, every year for the last five years, I get a threatening letter with regards to flood insurance. I pay the flood insurance, and have for the last 25 years, on the due date. Their corporate policy automatically sends the threatening letter out if they have not received the renewal by the due date. There is a reason it is called a due date, it is not due before then. Their policy places a unfair burden on the consumer, even though the consumer is in compliance. In discussing the issue with them, I was informed to pay the flood insurance before it is due. I have done that in the past, and I still get the letter, so I assume it is harassment because I would not refinance with them. The reason I will not refinance with them is because of these corporate policies. I 'm looking to refinance with local credit unions so I can get good customer service instead of harassment.
Hi, Two months back I was offered a credit card by CITI bank with wonderful features, the main feature of the card was CASH BACK, sales executive who offered me card had told me that I will be getting 5 % cash back on all the transactions made irrespective of the limit of amount and types of transactions. However this card was chargable annually. I was fine with the card features and ready to pay the annual charges. I enrolled for the card and I received the card as well, for the first month I received bill only with the annual charges as I did not make any transactions during first month. In the second month I made a transaction of 17000.00+, however I didnt receive the cash back as promissed while selling the card. When I enquired with Customer care executive they told me that I should accumulate minimum XXXX points so that I can redeem with cash of XXXX XXXX ( XXXX points=XXXX XXXX ) and the cash back will be provided on movie ticket and not all the transactions. I informed to customer care executive that I was promissed with different features only because of that I opted this card. They raised the ticket with the reference XXXX however I am not getting any resolution for the problem. It is almost 10days that I am following up but issue remain same. I have all the recorded with me which I have had with sales executive and customer care executives.
On XXXX/XXXX/XXXX I had used my Chase Visa Rewards Card to stay at the XXXX. I had also used my XXXX Card for the second week. To my surprise during the second week when I was sleeping I felt something crawl across my arm and I quickly jumped up and screamed, my daughter turned on the lights and it was a bedbug crawling on the bed. We caught the bedbug and took it in a jar we found to the front desk. They said they would move the room and have the manager call us ASAP. After moving all of our stuff in clear bags of course to the elevator and XXXX floors up with no help I contacted the customer service dept at Chase Visa and the XXXX XXXX .Well the staff at that time sounded sympathetic about the problem and told me that they would be following up with this in the next couple of days. The c/s at the XXXX XXXX removed the charges and gave me credit for my bill, However the Chase card services gave me such a hard time even after knowing that we had to throw away our belongings and repurchase the things that had been infested and appeared to have bedbug eggs. We were at the hotel because we had just moved from our home and the new place we were moving to had been delayed due to a fire that had happened. It was obvious we were homeless. There was absolutely no c/s support after the report was made we had got the building inspector and health dept and the hotel had been previously cited for bugs and they cited the place again. 

The Chase card services did not reverse the charges and I had to pay the full amount. This included finance charges from XX/XX/XXXX until XX/XX/XXXX. So now on XX/XX/XXXX I receive the attached letter and I called the phone number they wrote on the letter to speak to the c/s because I understood that the amount in dispute was resolved as they have stated in the letter. I called on XX/XX/XXXX at XXXX. I spoke to a Chase card specialist named XXXX who told me that the XXXX cent credit that I see on the account is what I was entitled to. He also said that there were a lot of other people that had this refund coming to them. I told him that I was charged a lot more than XXXX cents finance and I asked him what do they mean by saying the dispute was resolved I paid it in full, he did not answer me but continued to talk over me rudely blabbing on and on. I felt it was necessary to terminate the call due to the fact that he was completely giving me the run around. I felt at that time to contact your agency for help.
This Complaint is in tended as follow up to FTC Request Number XXXX, submitted on XX/XX/XXXX, wherein I have requested that my Experian and XXXX credit files be permanently expunged. Both Experian and XXXX have elected to become complicit in mail fraud and mail tampering in the furtherance of mail fraud by steadfastly persisting for two and-a-half years now in listing a fraudulent debt reported by the collection agency in question, Professional Debt Mediation, which has violated Florida State law in its handling of the debt upon being assigned to it by XXXX XXXX XXXX on XX/XX/XXXX ( XXXX Account # XXXX ) and then proceeded to deliberately violate Federal Law by engaging in both systematic mail fraud and mail tampering to cover it up. Despite notifying me about the debt on XX/XX/XXXX via First Class U.S. Mail at the new address I had moved to in XXXX, Georgia on XX/XX/XXXX, when I disputed the debt via email on XX/XX/XXXX, the creditor responded on XX/XX/XXXX -- more than two full months after initiating collection activity against me without the 30 days prior notice to my last known address via Certified Mail of its intention to impose a claim on my deposit required by Florida Statute 83.49 ( 3 ) ( a ), which further specifies that the creditor must refund my deposit before initiating any collection activity against me in such a circumstance ( www.leg.state.fl.us/statutes ) -- by generating a fake Certified Mail notification to my previous address in XXXX, Florida ( USPS XXXX # : XXXX ). The creditor then further exacerbated its willful perpetration of mail fraud by intercepting the Certified Mail notice with the help of the Postal Carrier for the route on XX/XX/XXXX in an effort to prevent me from finding out about it, since my mail ( including all Certified Mail ) was set up with the U.S. Postal Service to be forwarded on a permanent basis to my new residence in XXXX, Georgia, as of XX/XX/XXXX. Despite the endless obfuscations of the creditor and collection agency in question regarding this fraudulent debt, it should be palpably clear that they deliberately violated Federal Law by engaging in willful mail fraud and mail tampering in their handling of the debt, which can only have been instigated to cover up their failure to comply with Florida Statutes in the handling of it.
I have no knowledge of debt. Contacted collections and original creditor and XXXX parties have yet to provide accurate validation or liability of debt that 's in collection. Having called numerous times to resolve this matter they have been extremely rude and lack customer service to resolve this issue.
Account was paid in full on time and closed. XXXX did not report late payments until this account was closed. I have XXXX other XXXX accounts in good standing. If I never paid on time why was more credit extended with credit limit increases.
In XX/XX/XXXX, I contacted American Express regarding my membership reward on an account that I have had with them since XX/XX/XXXX. I explained to the representative what I wanted to do with the membership rewards and he told me that my particular rewards program did not allow me to do what I was asking about which was transfer points to an affiliated partner. He at that point SOLD me on an additional credit card that American Express offers that I could do that with. I gave him the go ahead to open a secondary account with the understanding that I would be able to transfer the points to a rewards member. When I received the card, I called American Express to make that transfer and was informed that this new card did not allow what I specifically had asked for to do either. I spoke with a supervisor who was very apologetic and told me that American Express would listen to the recorded conversation as this is not their practice to open unnecessary accounts. She offered a {$200.00} statement credit, which I did receive, and led me to believe that American Express would be addressing the issue. She also discouraged me from closing the account. Two months have passed and I have not heard anything from American Express. I truly feel that I was fraudently led in to opening a secondary account under false pretense. 
I am not sure what if anything can be done but would appreciate some guidance.
My wife and I were victims of bank fraud. Chase bank let a individual walk into there branches and cash forged checks with no I.D just my debit card. These checks had the wrong last name, some he signed with the wrong last name and the amount differed from the numerical and written amount. They are refusing to refund our money Couse I logged onto my account several times during the time this was going on.. When I logged onto my account all I look is at the balance and the times I logged on the balance was around were I thought it should be cause he was cashing these $ XXXX+ dollar fake checks with no I.D and letting him withdrawal {$3000.00} with no I.D.. He was keeping the balance around the same. Around three months later I found out the individual that stole my identity, was pulled over in XXXX XXXX XXXX and tried to show a fake I.D saying he was me. I then contacted the XXXX XXXX police department and notified them I wish to press charges. I told them I did know the person but have not talked to him in a long time I once considered him a friend but kicked him out of my house at a XXXX party and told him not to come back. I then notified chase bank immediately on who the individual was and where they could be contacted. they still denied my claim. during this process they said our account 's were frozen, but the let XXXX of my wife 's checks get deposited and XXXX of mine, along with a company expense check. I had to sell all my stuff to just feed my family and pay the rent. I was already struggling prior to that cause of emergency situations in the family. I believe Chase knows I can not afford a lawyer to sue I combed the XXXX XXXX looking for anyone help us but none will do it with out payment I simply can not afford it. I can barely pay my bills now and my credit is a XXXX times worse and I do n't know what to do. I filed police reports, identity thief reports, I tried everything. This guy used my name from XXXX to XXXX to XXXX to XXXX and even getting felony warrants out for my arrest in other states for check fraud when I was on XXXX XXXX XXXX XXXX here in XXXX. Chase then notified me via text message about a charge in XXXX asking if it was me 5 days it took them to notify me after he spent over {$10000.00} in cash withdrawal 's and debit purchases.We never had over {$3000.00} in 5 days I believe. I do n't know what to do.. 
Thank You XXXX XXXX
I applied for a credit card and was accepted from usaa. they sent me a welcomepack and I recived a bill shortly after. I do all my banking online so I tried to pay the bill right away. they told me I could not hat they needed more information so I sent them morewas told that was good and I should get a reply within 2 to 3 business days never did get a reply so I contacted them again. they told me they needed more info so I sent them more and they told me that they would get back to me in 2 to 3 business days they never did. I got another bill in the mail plus emails on my computer called them up and they told me the last info I sent them was n't right so I explained what I sent them and was told that it would work and they would get back a hold of me in 2 to 3 business days and that I would be able to pay the bill at that time i waited to here back from them never did and contacted them again. they told me the info was not good enough and I had to send more information. I at this point told them to forget it and take me out of there system.they toldme okay and I would recive conformation in two to 3 buissness day in I never did after numorous calls and complaints I am still in there system they turned this into the credit agency during this whole process and it shows as a unpaid bill it has lowerd my credit score enough that ino longer qualify for the home loan i was getting I had a XXXX before all this its now down to a XXXX I needed a XXXX and every thing was fine. so I am stuck staying at a friends house because of a card that I never seen had or used and being forced into getting checks to pay them for something I do n't have they said the only way I can pay for this bill for a card I do n't have and never had is to get checks and mail it to them I am totally frustaited with this hole thing