WillisBack/dataset-financial-user-claim huggingface dataset:
A credit report was obtained and there was a charge off auto loan from Alphera Finanical Services reporting. The information was not complete so disputes were filed with all XXXX reporting agencies. After several unsuccessful attempts with the bureaus to try and get this information I sent a direct request to the company asking for validation and evidence of what they are reporting to the bureaus. They responded with an acceptable letter stating that they would not send information to a 3rd party. I AM NOT A THIRD PARTY. I am also unclear how with their correspondence stating " IT IS OUR POLICY TO ONLY RESPOND TO REQUEST SENT DIRECTLY BY OUR CUSTOMERS '' are the credit reporting agencies able to obtain validation of this since they are a THIRD PARTY.
Since falling victim to the XXXX, XXXX XXXX, Experian, and several other data breaches I have been unable to obtain my report and dispute anything on my report online. I only receive a message asking me to contact someone at the reporting agency. I would like to have my report unblocked as it has been more than 5 years since these breaches and I am in the process of repairing my credit. The inability to dispute online is hindering my progress tremendously.
I can not pay my mortgage loan online if it 's a weekend day. This was n't always the case. I 'm sure many people can relate to having to wait up to the last day a payment can be made to pay if without getting a late on their credit report. I have had issues with only having access to making payments via the Internet due to a phone not being available. I have made payments online on weekends before and they post that Saturday or Sunday no problem. In the past year apparently they changed their policy ( never received any policy changes updates ), and these payments I made were not credited until the Monday after causing late quotes on my credit. There are times I do n't get paid until Saturday or Sunday and I should n't be penalized for that. Apparently even if I could have called and made a phone payment they add a XXXX $ fee which I ca n't afford. This is not fair in my eyes. I ca n't get in a better situation if I am blocked in all these ways
I am a victim of the recent XXXX data breach and identity theft. The following account and hard inquiries dont belong to me : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX aXXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, Furthermore, I have not been XXXX days late with my car payment to XXXX XXXX XXXX.
I was sent a letter XX/XX/XXXX notifying me my account would be subject to fees starting XX/XX/XXXX. I called to find out why, and was told to " ignore the letter '' I asked that I receive a written notice of what Citibank was planning to do with my account and notified them I was uncomfortable with an agent telling me to " ignore a a letter '' - especially when the letter states my account will be subject to new fees. 

I would like to receive a written notification of what my account will be subjected to in terms of fees, if the letter they sent to me is wrong. The agent I spoke with on the phone told me he can be identified by # XXXX and his name was XXXX. 

I am concerned my account will now be subjected to fees when it should not be. I have never had fees on my account and the agent was unable to explain why I would be subjected to fees now.
Collector called, provide information on the account without verification. Threatened to have law enforcement at my doorstep within 30 minutes if payment was not received. Accused us of being deadbeats for running up the credit and not paying it off. When asked to verify agencies information ( name, address, professional license number ) became more aggressive and disconnected the call. When I attempted to contact the agency for the details, I was transferred to another collector ( XXXX XXXX ) that the previous collector ( XXXX XXXX XXXX was no in charge of the account. I have tried to verify Professional License XXXX through various agencies and I have not been able to do so.
i had a business and it went bankrupt. I was sued and settled the debt and received a release, which was filed with the courts. The credit bureaus will not remove the judgement.
I closed one of 3 Citibank CCs. Subsequently, Citi sent me an offer to open a new card promising XXXX XXXX miles if I used the card to pay {$3000.00} in bills in 3 months. 

I opened the account, used the card to pay {$3000.00} in bills -- far more than that -- and never received the miles. 

After raising the issue Citi claimed that I should have noticed the small print stating that I would not receive the points if I had closed a card or opened a card within 2 years. Of course, they knew that I had done that before they made the offer. They have my contact information but made the offer anyway. 

Legally, this is fraud in the inducement. The elements are 1 ) a promise is made, 2 ) the plaintiff acts to his detriment on reliance on the promise and 3 ) the plaintiff is damaged. 

If they had been truthful I would have use the Citibank XXXX card and received benefits. 

I lost the promised benefit of XXXX miles and also lost the benefit of using the XXXX card instead. 

They owe me XXXX miles.
I had a XXXX  XXXX XXXX credit card on which I had a first late payment in XX/XX/XXXX. The account was closed by XXXX XXXX XXXX and referred to XXXX XXXX XXXX XXXX. While I eventually paid the full balance due, the closed account was continuously late from XX/XX/XXXX to XX/XX/XXXX. This account continues to show up on all three credit bureau reports. Because the date of first default is more than seven years  ago and the account was in collections, the entire account should by now be removed from my credit report. 

I filed a dispute with TransUnion and received notification that XXXX  XXXX XXXX had confirmed the account as accurate and is reporting it as late from XX/XX/XXXX to XX/XX/XXXX. It does not show the earlier late payments. 

I contacted XXXX XXXX XXXX 's Credit Card Department. The employee informed me that he also saw that the account should be removed from my credit report but transferred me to the Collections Department for further assistance. The Collections Department Employee told me that they do not keep records going back that far and was unable to locate my old account for further assistance.
NAVIENT constantly puts my loans in default stating that I never " submitted '' paperwork. I have proof that I applied for an IBR on XX/XX/2016 reference # XXXX through the website studentloans.gov. Today is XX/XX/2016 and I received a call from NAVIENT stating that my loans are in " default ''. This is a reoccurring issue that I have had with Navient and I find it criminal because every time they pull these issues- I am penalized and my balance just continues to grow. I contacted XXXX as well as the om buds man for XXXX. They were appalled to hear of this. I am putting this out there because I feel that NAVIENT takes advantage of people and just tries to make MORE money off of people. It 's a complete outrage that I have proof that I turned in everything I needed and I have talked to 3 different people from NAVIENT- which everyone of them gave me different answers on what I needed to turn in. Meanwhile I am being penalized. I now have to go through the process AGAIN for something that should have been handled in XX/XX/XXXX AND they do n't want me to call to verify that they received my paperwork. The supervisor that I spoke to said that if I do n't hear from him- just assume that all is well. My guess is that my account will be back in default again- what do you think?
I owed a bill to the hospital for my son. I contacted their billing office and set up a payment plan. I paid the first payment in that amount. Every payment after that was more than the set amount. After 3 month I received XXXX messages identifying the caller as the hospital, telling me to call about my account. There were " concerns ''. When I called the number, I was told my account was in arrears. I asked how that could be since I had set up a payment plan and I had paid over the amount since it had been set up. The person I spoke with said they had no record of that payment plan, but no matter ... they could set one up now. They set it up for {$42.00} a month. I continued to pay {$100.00} a month until the final payment of {$77.00}. I then received another bill for {$100.00}. I knew I was paid in full. I received another bill. Worried that I was mistaken and trusting ( stupidly ) I would be reimbursed if I overpaid I paid another {$100.00}. Two days after it cleared I was turned over to collections. I 've called and argued. They say they never received checks in XXXX, XXXX or XXXX and they want cancelled checks. I printed them, but with my bank account on the check, wanted to walk into a physical office rather than fax, so I went to call the number again and noticed that when my bills changed XXXX from XXXX to XXXX ... after the phone calls ... XXXX the phone numbers were different. I called the local one on the old bill and got the very polite XXXX billing office. She said my account was paid in full and I was an excellent payer! No, I was n't turned over to collections! Why would I think that? I consistently paid more than we agreed? This woman was as nice as the other XXXX were rude. 
She also informed me that she had no knowledge of this other number and NO ONE did their billing but her office!!! 
I have been scammed. She gave me her name and number at XXXX XXXX XXXX Hospital. 
I called the other number back and confronted them. I accused the person who answered ... it is never the same person ... of scamming me and he claimed they represented different hospitals and I informed him XXXX XXXX just told me no one represents them. He said that 's not true and he would call her. He did scramble on the phone for awhile when I asked for a physical address of his business. 
It is XXXX XXXX, CA XXXX ( or so he says ) The number I 've called is XXXX
On XX/XX/XXXX I called Lexis Nexis and spoke to XXXX. I advised her that there was an inaccurate bankruptcy ( docket XXXX ). I advised her that I would like to dispute the information on my Lexis Nexis risk report and Lexis Nexis Public record report that is used to report information to the 3 Major credit agencies. She advised me that she put in the 2 disputes and that the investigation would take up to 30days. On XX/XX/XXXX I called again to Lexis Nexis just to make sure that the previous rep did actually put in the disputes as I had requested and spoke to a supervisor XXXX. XXXX apologized and stated that the previous rep XXXX that I spoke to on XX/XX/XXXX only sent in one dispute by mistake and that he would submit the other dispute and backdate it to XX/XX/XXXX which was the original date that I called in to dispute it. On XX/XX/XXXX I called Lexis Nexis and spoke to supervisor XXXX. She advised me that the dispute that XXXX put in on XX/XX/XXXX was completed but the dispute that XXXX put in on XX/XX/XXXX had not yet been completed. I advised her that 30days has passed since both disputes had been entered. She stated that the dispute that XXXX put in was for XX/XX/XXXX and had not been back dated as he previously advised me it would be since XXXX failed to do it when I called on XX/XX/XXXX. I advised her that I called in on XX/XX/XXXX and requested that both reports ( XXXX and Risk Report-public records ) be disputed and that XXXX failed to submit the Risk Report dispute so that is an error on Lexis Nexis. Per FCRA all disputed items must be investigated within 30days of the initial dispute of XX/XX/XXXX. Lexis Nexis failed to investigate the bankruptcy docket # XXXX within 30days from XX/XX/XXXX so the inaccurate item must be removed
Transunion fail to contact the furnisher after I was unsuccessful to do so because XXXX refuse to answer a certified mailed letter requesting for a application for credit with my signed signature consenting to this unauthorized hard inquiry. 

I was informed by Transunion to personally contact XXXX for further information which I did so. 

It has been exactly 60 days from the day XXXX recieved notification from me and they continue to not response to the FTC and myself ... this unknown company has refuse to acknowledge the laws and rights of consumers requesting information in a dispute.
USA funds under XXXX Are trying to say that the information that I sent including a police report does not count and that for some reason the student loan is valid. Even though I sent numerous amounts of information to them to prove otherwise. I will be seeking legal action
I am a victim of identity theft. I recently learned that my personal information was used to open an account with XXXX XXXX XXXX in XX/XX/2018. I disputed this fraudulent account with this company and never received any sort of results from the bureaus. I sent them over the fraud affidavit packet and it as still not removed from my report. It has been over 45 days. This is not ok for them to report inaccurate information that does not belong to me. I did not open or authorize this account, and I therefore request that it be closed immediately and removed from my consumer report. I also request that XXXX XXXX XXXX absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files.
Hello I sent funds to 2 separate people using money gram because money gram can be tracked and returned if reported as fraud because identification is required. One was for XXXX dollars the other for XXXX on the Friday XXXX XXXX 2017 As well I sent XXXX through cash app which Garuntees safety and security of your funds. Im still dealing with them and hopefully they can resolve but want to make you aware ahead of time. moneygram will not cooperate in the return of funds yes they were picked up but you need identification to pick up I have partial info for sending of payment but they have full info to report to police which I need or they need to do. Thank you very much
I received a billing statement from PayPal Credit claiming that I owed them money for a recent transaction. I checked my credit report and PayPal did a hard pull on my credit information. I have no knowledge of ever signing up or opening a credit account with them.
Torres Credit Services placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Torres Credit Service to remove incorrect information off my credit report. More importantly, Torres Credit Services are in violation of FACTA section 623 ( A ) ( 7 ).
Bayview Loan Servicing , LLC denied me a HAMP Loan Modification because I " make too much money ''. This Servicer failed to give me a fair evaluation of my income and expenses. In addition, Bayview Loan Servicing , LLC failed to provide other remedies available to address my mortgage problem.
TransUnion is the problem. When you report that you have been denied credit based on their credit score, they have a legal obligation to give you a copy of your credit report. They refuse to give you the actual credit score number unless you pay them extra money. This is not legal - they are trying to take advantage of consumers by ripping them off for a service TransUnin has an obligation to provide at ZERO cost. 
ALSO, when you try to order the free credit report they owe you, after inputin your address, etc, into the phone system, it always plays a recording saying " We can not give you a report based on the information you entered. ". Then they tell you about a long list of sensitive documents you have to provide them in the mail in order to even get the INCOMPLETE credit report they are sending. 

These practices are abusive to American citizens, and I believe illegal!
On XX/XX/XXXX I received a note ( dated XX/XX/XXXX ) from Ditech saying that my payment for XX/XX/XXXX which was due on on XX/XX/XXXX had not been received. On XX/XX/XXXX I received 2 voicemails from a collection agency as well ( however not sure if the 2 are related ). The issue here is that the payment for XX/XX/XXXX was made and debited from my account on XX/XX/XXXX. My regular payment is {$1900.00} and I always add an additional {$1000.00} to the payment just because Ditech is known for their unethical practices, hoping that the {$1000.00} would cover any additional fees that they keep adding from time to time. Ditech appears to have applied this payment of {$2900.00} made on XX/XX/XXXX to additional principal thus making it look like I had defaulted on my payment and giving Ditech a chance to apply a late fee to my account. My credit score is around XXXX, have made all my payments on time and have consistently paid more than what I owe to avoid this very situation.Request you to please help correct this error and more importantly investigate Ditech 's reporting and credit collection practices. Unlike most other businesses it is impossible for consumers to walk away from such shady businesses since these things are forced on us. Given a choice I'm sure none of us would want to do business with Ditech, nor did my mortgage originate with Ditech, this was just forced on me. Attached is a copy of my payment history and all the payments that I have made so far ( this includes that XX/XX/XXXX payment which was accounted incorrectly )
I went to school for two years to  XXXX  different schools during this time. Originally I was supposed to only have to pay {$19000.00} after disbursement amounts it would have been around  XXXX  to {$25000.00}. Last year in  XXXX  I believe I 've got on the student debt relief program that the government created I am technically  XXXX  although not on  XXXX  I have struggled financially and every time I would get a bill after being on the debt relief program every month my bill was higher and higher now they claim I owe {$38000.00} I do n't understand how it went from what it was when I started going to school to  XXXX . I have attempted on many occasions to get information from them concerning the details of this loan they still refuse to give me details of every aspect of this loan when the dispersants were paid out what interest was charged what school they were paid out to what the date they were paid out to I have tried to get detailed information how many occasions so I can examine this and they have fought with me I even had a lawyer send them a letter and they sent me a statement in the mail but it still did not have the details that I was requesting. Every time I call them all they want to do is put me on forbearance. They tell me I 'm on forbearance and then I get a email or phone call shortly afterwards telling me that I have a payment due happens every time. I 'm just really sick and tired of them   XXXX   me around I get nowhere with them when I call them.
Denied repayment plan. Instead was put on forbearance and was not told when it was over. Naviant is my issue.
I made a purchase of {$990.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
In  XXXX  of   XXXX   FIA Card Service s ( Bank of America ) r eceived an execution on money judgement for a charged off credit card debt. The debt collectors of  XXXX ,  XXXX   XXXX   XXXX  applied a lien to the property owned. Since they are being sued by the States Attorney Office of Massachusetts, they have sold the debt to  XXXX   XXXX   XXXX ,  XXXX  who in turn has sold it to  XXXX    XXXX   XXXX   XXXX    XXXX . The original creditors phone number is  XXXX .     The property has been sold but without clean title, with money held in escrow to pay an agreed upon amount less than that of the debt owed, this deal has been reached with  XXXX   XXXX   XXXX   XXXX ,  the ultimate  owner of the debt. However, the original Law firm needs to release the lien and they say they do n't own it any longer and are unwilling to do anything.     The property needs to have a " clean '' title to be resold and any escrowed amount returned.     No one is willing to help, do anything ... I hope since this is a debt collection issu e, the CFP c an get to the right people to make this right.
XX/XX/XXXX I disputed a ch XXXX  bankruotcy on my credit file wanting the information in the report to be reportrd accurately and be verified. XXXX had 30 days to do so upon request in the dispute XXXX   removed the public record because they could not verify the accuracy of the information. As ofXX/XX/XXXX there weas no record of the bankruptcy on my credit file. As ofXX/XX/XXXX the information has / reinserted/reappeared on my XXXX credit report stating Lexis Nexis is the furnisher of the public record 3rd party vendor of the public record and not the court. I called XXXX   XX/XX/XXXX to dispute this matter of the reinsertion I spoke with XXXX but he told me there is nothing he could do. Also it says on the report the date reorted for the bankruptcy was XX/XX/XXXX was that the date the inquiry was added or discharge? Again inaccuracies I have a report of XX/XX/XXXX that does not include the bankruptcy on the record and the discharge date for the bankruptcy was XX/XX/XXXX.I never recieved Certification Of Accuracy with a 5 day notice telling me about the reinsertion. Adding XXXX did not verify the public record with the court or court reporters because the court does not verify or furnish information to the credit bureau. Public record sources must also include individuals name, address, full social security number, and date of birthto improve accuracy by the standards of the National Consumer Assistance Plan. I am requesting this information be deleted for finial resolution
multiple accounts opened in my name, have never lived at any of the addresses associated with the accounts. Have tried to dispute on XXXX XXXX.
On XX/XX/XXXX, Financial Recovery Service mailed a letter stating I owe XXXX on a past due account from XXXX XXXX XXXX XXXX Acct ending in XXXX. Date of last payment XXXX. Charge off XXXX. According to XXXX credit report, this account was opened on XXXX, legally paid in full for less than the full balance. Status was updated on XX/XX/XXXX with credit limit of XXXX. On XXXX report, it shows credit limit of XXXX, high balance of XXXX, and paid in settlement, account paid in full for less than full balance with XXXX written off. Date opened XX/XX/XXXX ; date of status XX/XX/XXXX. On XXXX report it shows high balance of XXXX with credit limit of XXXX. Shows as charged off. Last payment made was XXXX ; date updated XXXX. Account was sold to another lender. 

Now FRS is asking for payment on this debt that was settled in full according to 2 credit bureaus. They have called my cell number 2 to 3 times daily with a disguised phone number to try and get funds out of me. 

I was willing to work out a settlement offer as trying to clean up the credit reports, however, this is inexcusable being this debt has already been paid and none of the numbers add up correctly for what they are claiming.
XX/XX/2018 Credit Inquiry from XXXX XXXX XXXX I applied for credit and my credit report was locked and I was still charge an inquiry for a report they didn't receive. This incident also happen with other companies as well and now I have proof they never receive a report but claiming that they gave it to them.