WillisBack/dataset-financial-user-claim huggingface dataset:
I have been in an ongoing dispute with XXXX XXXX as I firmly believe that I don't owe anything to the credit their are representing. To the best of my knowledge, I have paid off XXXXXXXX XXXX  XXXX for charges accumulated for my wedding. I have repeatedly asked XXXX XXXX XXXX for a copy of the statement that shows the transactions that add up to the amount they are charging me for, and I have yet to receive it. These communications have been verbally and I have mailed them validation letters. They have not been cooperative at all. I have sent letters to them ( XX/XX/XXXX, XX/XX/XXXX ), as well as the credit bureaus ( XX/XX/XXXX, XX/XX/XXXX ), disputing this item. I don't think I owe anything at all. And if I do, I'm confused on how its over {$1200.00}. Before I even consider working out some type of agreement with XXXX XXXX XXXX, I demand a statement showing the billed charges so I can confirm or deny them. Until then, they have failed to provide proper validation of charges to justifiably add this account to my credit report. They sent me proof that XXXXXXXX XXXX XXXXXXXX has contracted them to collect the debt on their behalf, but even that balance is different from what's being reported on my credit report. I am confused and they have done nothing to help me with this process.
Enrolled in rehab student loan agreement to stop payroll garnishments ... .made all payments turned in all required paperwork. They stop taking payments out of my personal account. I called them the inform them and figure out why. Agent stated I had been rejected from program due to a " black line '' on my paper work, this stopped them from approving rehab program. I re set up the payments. They start receiving the money from my personal account. My pay roll check Started being garnished 3months after I had to reapply, even when I made the payments out of my personal account. Student loan co stated that they sent the letter after I set up payments in error, however they can not stop it once its started. Im now being told they will never stop the garnishment until all money is paid ... while they continue to take the monthly payment off my personal account.
On XXXX/XXXX/17 I got a call from XXXX and XXXX left a voicemail stating to call Asset about a debt owe. I was asked to call XXXX ext XXXX. After advising XXXX I currently have no money to give but do feel I owe the debt, not sure of the amount XXXX proceed to say " I have people who or on fixed incomes making payments, its either you pay it or you do n't and those that do n't its an excuse, so I 'll mark your reply as an excuse ''. I advised XXXX if I do n't have it would does he want me to do. He began to over talk me and ended the call by saying " you know what you need to do, you need to man up, that 's right man up ''. After doing more research on the phone numbers and the company I ca n't seem to find any valid information, so before I try to pay anything I need valid proof, which I asked for several months ago when I advised them I was unemployed, but they continue to have an excuse as to why they ca n't send me anything in writing.
XXXX XXXXXXXX XXXX is reporting a debt of {$140.00} on my credit that was paid and they told me that it 's not on my credit and it still is and Equifax is not responding to my request to delete. This account is from XXXX and paid in full. XXXX XXXX for {$530.00} I sent a dispute letter to XXXX XXXX and they responded that they do not have an account in my name. I do n't know why Equifax is not removing this debt as it does not belongs to me. Today there was a new account placed on my Equifax report from XXXX XXXX XXXX, this is not my debt and I demand to have this account removed from my records. From what I saw on the report this debt is from XXXX why are people allowed to put things on the wrong person credit profile and then we have to fight to get it off. This is wrong to place negative remarks on the wrong person credit file.
I 'm trying to update my current address with Equifax. After a 20 minute discussion with a representative that does not reside in the US they still have my address wrong. The reason they gave me was because my credit is frozen. However, they asked me very detailed questions to verify my ID, but would not update my address ( Which I 've been at for 2 years now ). They wanted me to fax my SS #, Drivers license, who uses a fax machine??? I just want them to update my address which should be easy after they have verified who I am.
XXXX XXXX has failed to update my credit reports with Equifax, XXXX and XXXX according to the current status of the account. I have paid XXXX current paid as agreed and my credit reports do not reflect this information. As per the data reporting on all XXXX reports, XXXX is still showing account listed as delinquent status which is not accurate. I have sent an email to XXXX XXXX of the XXXX at XXXX and her response was she forwarded over my request to update my credit files. I have not heard anything back from the company. 

I have received a statement emailed to my XXXX account reflecting no past due balance and that I am paid up to date. However no reporting was done to reflect I am paying as agreed. 

Statement has been attached for your review as supporting documents. 

As of today my credit reports do not reflect account being in a current paid as agreed status. My account with XXXX is current. 

This false inaccurate information has caused credit denials.
A few months ago, I called American Express regarding my XXXX XXXX credit card. I asked if there was any way they could process a goodwill removal of a delinquent payment reported for this account from XXXX. The customer service representative asked me what my reasoning was, and I explained that I had been in a long process of moving from XXXX to XXXX at the time and my mail kept getting lost. I also explained that if she looked at my other card with XXXX, she would see that I never paid late on it. She agreed and said that because I never received my statements, she simply had to order it again and the late payment report should fall off my credit report in about 8 days. It has been quite a while past 8 days and it is still showing on my credit report. I received the reprinted statement in the mail shortly after the call so I know that she truly did order the statement. 

Additionally, I received an offer from XXXX to open a Platinum card. I honestly believed it was another upgrade to my XXXX XXXX card ( also called " Platinum '' ) because both cards ended in XXXX at the time. That was so confusing, but I called customer service a few times to clarify and they were so helpful. Ultimately, I closed the account after being assured by the Platinum customer service representative that the account will not appear on my credit report since I never activated it and never paid the annual fee. Lo and behold, it is showing as a closed account on my credit report as of this date. 

So my request is basically to please clarify both of these situations. I am 100 % confident that if you listen to all of these calls, you would agree with me that I have the right to believe that my report was supposed to be cleared of a late payment and a never activated account. If they were wrong to tell me what they told me, then American Express needs to train their customer service department better to ensure that no miscommunication and false hope is given to any card member. This is by far my favorite credit card company, and I felt even more fond of the company after believing that they actually cared about my concerns regarding my credit report, but if I was wrong to think that they would live up to what they told me, then maybe I 'm also entirely wrong about the company. I 'm begging you, please help me! This has been so disheartening.
Prior to a divorce, I was unaware my spouse was not paying on the loan. After separation, the loan company called me and basically threatened me. I turned in the required documents that they sent me. I asked them to send the documents to my spouse since most of the loans are hers. The company told me directly they sid not care abour her. I was rhe primary signer and rhe note and she was secondary. After completing and sending the info in, I received notice about 30 days later that I had defaulted. It took me a year, but alone rehabilitated the loan. I was told that after rehabilitation, the penalties would be erased. That never happened. Last yea r Navient sent me information about loan payment that is impossible to pay. After dealing with them for over a month, I qualified  for the income driven plan. My now ex-wife of 5 years is non-compliant. She has refused any attempts yo dealing with the student loans because of the divorce settlement and the fact that I am the sole name on the front page of the note. I received a letter from Navient stating my loan was in 45 day forbearance due to me having to recertify my income. They told me my Loan is on hold because they are trying to get my ex to respond. After she did not respond, last year they certified me. This year they said that the certification last year was a courtesy. This year they will not honor it and they are now going after the ex. My complaint is I have not talked to the ex and now they asked me to get her or her attorney to contact them. They said if she does not respond, this will affect, me, my credit, and the status of my loan. I asked them to send me a copy o f the MPN. Theybsaud they do not have or never of had one. Thwybwant me to send them my copy of the MPN. I ca n't find this document. Yesterday  I sent copy of m y 2016 taxe s again. I sent them again after sending them in  XXXX . I am trying to pay the loans. Replaced them in forbearance without my authorization and have no record to prove to me the terms of the loan and who is on the loan.
I am requesting your assistance with Lender, Carrington Mortgage Services. At the present time they are proceeding to move forward with a sheriff sale when the borrower and realtor has submitted all required documents upon learning what was required. The documents were submitted and acknowledged received by XXXX, a represented of Carrington Mortgage. The documents were confirmed on XXXX XXXX, 2016. I was told that the file was waiting to be assigned to negotiator AND the negotiator would call with the formal introduction. After not receiving a call and/or email, another call was placed XXXX only to learn that on XXXX Carrington denied due process of the short sale because there was not enough time to review and they were proceeding to foreclosure. I requested a postponement of the sale but this was denied by XXXX. She also, denied a short sale review after the foreclosure sale date citing that unless a full payoff was received during the redemption period thru their attorney, no further communications would be had. I believe that this is unjust with their refusal to fully review the file - especially since the hardship began with the death of the primary borrower on the loan. The death certificate and all documents were received by Carrington months ago with an appeal for a modification due to long term hardship - which was denied without a written document ever received.
I sent the company a message on their internal secure messaging system on their website on  XXXX / XXXX / 17 . I also attempted to call them on the same issue on  XXXX / XXXX / 17 .   XXXX  The problem is that they are not posting the  XXXX   XXXX   XXXX  Rewards Points to my account that I am owed.
On XXXX/XXXX/XXXX, my wife and I used the Chase Bank Quick Pay with XXXX XXXX to transfer {$400.00} to a joint account of ours at XXXX XXXX. The money has never arrived in our account at XXXX XXXX. We have spoken with both banks on the phone and in person on multiple occassions since XXXX XXXX. During one phone conf with Chase at the end of XXXX, the agent confirmed that the funds were in the process of being returned to Chase and that they would be back in our account in 2 to 3 business days but the funds were not returned. Subsequent calls to Chase disavowed any knowledge of the funds being returned.
Chase says the transaction was completed. A copy of their claim resolution and claim rejection letters with date, amount, and transaction numbers are attached along with the account acitivity since XXXX XXXX, XXXX showing the funds have not been returned. XXXX XXXX says they do not have the funds nor do they show any pending transactions. Account activity from the XXXX XXXX account dating to before XXXX XXXX is also attached showing that the funds were never received in that account. The money has not been re-depositied by Chase and  has not been deposited in XXXX XXXX as of this date. Please ask these banks to investigate and determine where the funds are.
It states on my credit report I lived in Oregon, I have never ever lived in Oregon. 
It states on my credit report there are XXXX inquiries, that i have never applied to ever XXXX XXXX, XXXX XXXX XXXX XXXX, CONSUMER PORTFOLIO S and they show up on my credit reports sometimes more than once It states on my credit report i have an open balance with XXXX when I included it in my bankruptcy, i included all my debt in bankruptcy so it should all be XXXX.
VIOLATIONS OF CREDITORS & XXXX   VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, OH XXXX  THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, NC XXXX   BYMAILONLY THIS ACCOUNT DOES NOT BELONG T ME PLEASE REMOVE IT CREDIT CAN NOT LEGALLY VERIFY MY INFORMATION OR ANY AGREEMENT
New mortgage company we have, Freedom Mortgage, took over mortgage on XX/XX/XXXX. They said we need flood insurance even though our neighborhood is elevated and built on sill. Was told to get flood insurance in 45 days or they would buy it for me from their own insurance company -- and promised it would be expensive. They also said they would not accept an elevation certificate, but a LOMA from FEMA which can take over a year to get. The Flood Plain manager for my city said that is ridiculous -- LOMAs are based on the elevation certificate. There is no way to get a LOMA in 45 days.

I bought flood insurance in the meantime. Thought that would be the end of it. It takes 30 days for flood insurance to be active. I get another letter on XX/XX/XXXX that reads, and I quote : " We will charge you for insurance we plan to buy for XX/XX/XXXX to XX/XX/XXXX '' and that the insurance they buy " will cost an estimated {$570.00}, which may be significantly more expensive than insurance you can buy yourself ''.

HOW can you buy insurance retroactively??? When I asked my flood insurance company if I could buy insurance for months already passed, they told me it was illegal.
I deposited a check for {$7500.00} in my checking account at Wells Fargo Bank. The check bounced. Wells Fargo deducted {$15000.00} ( that is, the {$7500.00} check amount was never added to the balance ; when the check bounced, {$7500.00} was deducted from the account ) from the account and added about {$2300.00} from my Wells Fargo credit card to create a positive balance. The agent I spoke with on the phone had no idea how to handle the problem. I went to my local branch and spoke with the manager. At first he was n't interested in doing anything about the problem and called the XXXX {$7500.00} a " pledge. '' He was unable to explain what a pledge was. I was outraged. He finally adjusted the amount to show the proper checking account balance including repaying the credit card and assuring me I would not be charged an advance fee. 
This cost me 3 hours of my life and a great deal of aggravation. It is my feeling that if a bank can penalize a customer for a mistake, then a customer should be able to penalize the bank for a gross mistake ( which was apparently standard practice and not a mistake, a purposeful violation of a customer 's rights ). Should I take this to small claims and ask for punitive damages? What can you do?
There are inquiries on my credit that I need removed from my credit reports. I was led to believe that these inquiries would soft pull credit checks.
inaccurate information on credit report several different names must remove if reports are not 100 % accurate
In late  XXXX    XXXX  , I received a phone call from  XXXX   XXXX  of  Prince, Parker, and Associates,  a collection agency, stating that  XXXX   XXXX   XXXX  had referred my account to them for collection. I informed  XXXX   XXXX  that I had been working with  XXXX   XXXX   XXXX  to resolve the bill in question, because they had confirmed it as being inaccurate.  XXXX   XXXX  insisted that if I did not provide payment withi n 4 hou rs, she would make negative remarks to my credit file. I told her I would not pay a bill that has been acknowledged as invalid by the creditor, and that I would get back to her once I spoke with  XXXX   XXXX   XXXX . I then called  XXXX   XXXX   XXXX  customer service again in an attempt to resolve both the billing issue and the collection activity.  XXXX   XXXX   XXXX  opened a dispute case and advised me to provide the case number to the collection agency, indicating that it would stop any further action until  XXXX   XXXX   XXXX  was able to resolve the billing problem. I called  XXXX   XXXX  back and left the information Id received from  XXXX   XXXX   XXXX , including the case number, on her voicemail, and asked her to call me back if she had any further questions or required any additional information. The following week,  XXXX   XXXX  called me again, stating that I needed to make payment arrangements immediately or negative action would be taken against my credit. I reminded her of the  XXXX   XXXX   XXXX  case number that I had left on her voicemail the previous week and inquired if there was a problem with that information.  XXXX   XXXX  indicated that she had not listened to her voicemail, that the case number was meaningless, and she would only accept direct communication from  XXXX   XXXX   XXXX  to cease collection activity. I called  XXXX   XXXX   XXXX  customer service again to let them know that she would not accept their case number and inquire about the next steps to resolve this action, but no one was able to assist. As of todays date,  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX  has not resolved the billing issue and  XXXX   XXXX  continues to call with threats of negative credit remarks and further action if I refuse to pay the invalid bill. In each communication with  XXXX   XXXX , she is belligerent, inattentive, and degrading. She refuses to listen to the issue at hand and speaks to me as though I am something less than human.
XXXX customer since 1977 for business and home ... called for service to business account ... was told business sector had been sold..we do not do that anymore ... .cancelled service which we paid quarterly ... .approx 6 mos later XXXX collection agencies contacted us to collect for services. We refused to pay what we did not owe. The XXXX people are rude uncooperative and unprofessional ... ..read the internet reviews..this is almost like a predatory blackmail to keep your credit good.
I applied for a secured credit card through capital one XX/XX/2016 on XX/XX/XXXX-XX/XX/XXXX. As of XX/XX/XXXX I was told my card was mailed out through an email and when I called in the rep told me my card was mailed on XX/XX/XXXX. I was told many times to wait 6-10 business day after that period I still did n't receive a card and was frustrated due to the long wait. I called 3 more times and asked if they could over night or send another that I have to sign for and was told they could through XXXX rep which he then transferred me but then I was told they do n't do that. Supposedly they send a XXXX card and cancelled out the first and I waited again 2 more weeks and still not XXXX of the XXXX cards came. I called again and asked for the cards and the account to be cancelled completely and for my security deposit back which was {$200.00} that was taken from my checking account in XX/XX/XXXX XX/XX/XXXX ( it cleared ). The rep said he 'd cancel the overall account and I spoke to many managers and supervisors and here it is XXXX XXXX 2016 and I still have received neither of the cards they claim they sent or my security deposit check. I 'm worried because I 've read their reviews and it seems as though this may be common with capital one. I do not want to be ripped off for my money that I need and it 's mine to begin with. So if someone can please do something about this and stop companies from deceiving customers I 'd appreciate it.
Received communication from XXXX XXXX XXXX stating that my credit score received from XXXX XXXX is low due to " Distance between address and area code of phone number '' " Not enough debt experience '' This is clearly bogus information as the area code for this address is provided by XXXX XXXX XXXX and I am XXXX years old and just purchased a new house. I have tons of credit. 

They say that due to this credit score I may be required to give a nonrefundable credit fee to order the service ( XXXX XXXX ) ..owned by XXXX & XXXX XXXX 
Did I mention that I have had mobile service from XXXX XXXX XXXX for no less than 10 years ( the same account ) This is not right.
Appears to be the debt sold from XXXX whereby original dept had been disputed. Did not belong to me. Incorrect middle initial.
My husband and I pulled our Credit on XXXX, and unfortunately came across an account that has been Reporting every month the past 2 YEARS, stating we have n't paid when in fact we Paid In Full, With Cash 2 Months after the Creditor Reported it. I went to the Original Creditor XXXX, Spoke with the Manager, showed her my Paid Off Receipt from XXXX, Showed her the picture I took of My Credit Report and gave her the Collections Name : Collections Services Of Nevada & Number. She then went behind a desk for a brief moment. Came back and said she left a message but no one answered and it would n't be until Monday that We hear anything. I then left, and immediately called as I got in our car ( Hubby was driving ). I got right through to the Legal Department and Spoke with XXXX from Collection Services Of Nevada. After explaining our situation, she got ahold of XXXX who was the Representative on our account who was going to put in the XXXX for it to be deleted from XXXX of our Credit Reports. XXXX then told me that someone just called while we were on the phone and Reported that we had paid it off in full 2 years ago! She then requested She get a Fax number from us so she could send over the XXXX form right away and that she was also sending it in the mail. I went back to City of XXXX, Spoke with the XXXX and requested ALL our payment history from the past years and that I was well aware she JUST NOW REPORTED that we paid it off. I asked her several times why she lied to me and pushed me out the door. After printing all my requested information, she apologized and got teary eyed. Now I was n't looking to make this lady cry, I simply want answers as to why this was n't handled property or CORRECT 2 years ago!! I was told by XXXX from Collection Services Of Nevada that this will be handled BUT given the prior history, I DO NOT feel comfortable and need this handled as this was not right!!! Not only have we had a current Power & Electric Bill with the Creditors XXXX the past 2 years because we have to, it 's hpw our lil town has Electricity, but come to find out they NEVER reported is paying it off the past 2 years! When we messed up we had to pay them EXTRA money to get power back in our name, so what happenedS when the Original Creditor Messes up OR the Collection Agency??? We just want answers please aND Thank You! Sincerly, XXXX and XXXX XXXX XXXX