WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX , I paid off my balance with Optimum Outcomes , Inc . I submitted a payment in the amount of {$460.00}, of which the account  XXXX  was included. I submitted a complaint in  XXXX , at which point  Optimum Outcomes  stated, " We have received the consumer 's accounts in our system. We have no active accounts associated with the consumer 's name and phone number. All accounts have either been returned to the original creditor per their request or are at  XXXX  balances and would have already been deleted. As of  XXXX   XXXX ,  Optimum Outcomes, Inc  is still reporting this account to   XXXX   as unpaid in the amount of {$320.00}. The account was assigned to them in  XXXX   XXXX . According to  XXXX , Optimum Outcomes , Inc,  verified that the account was accurate, how could this be the case, when in  XXXX  they said my balances were  XXXX  and I paid the balance in  XXXX   XXXX ?
XXXX XXXX MD, XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXXThis dentist filed a delinquent report on my credit report. He my dentist and I have never used him.
I went into home Depot an aplied for a credit card an I was approved for XXXX {$.00} They asked if I would like to use it for my purchase which was some XXXX like XXXX $ I declined an said I would like to wait till I get my card so I paid with cash.well when I got my card 3 months later I went into store to use it an it was declined for a purchase of XXXX $ that turned into XXXX $ with late fees I told them it was a mistake I just got my card well they told me that I was just XXXX since I did n't keep my recite that was 3 months ago for a piece of XXXX an that has messed my credit up since then an they will do nothing to help over XXXX $ that I would have been taking care of if I knew about it what can I do
On XXXX/XXXX/16, I received a Payoff Statement from Carrington Mortgage Services of {$570.00} valid until XXXX/XXXX/16. I paid that amount through XXXX online banking. XXXX XXXX XXXX sent that amount on XXXX/XXXX/16 for delivery on XXXX/XXXX/16. A letter from Carrington dated XXXX/XXXX/16 stated Carrington did not receive my XXXX/XXXX/16 payment and that I owed {$550.00} which included a late charge. I immediately called Carrington and informed them I sent them the loan payoff amount and faxed them a copy of my online banking statement. I also contacted XXXX XXXX XXXX Online Banking. On XXXX/XXXX/16. a XXXX XXXX XXXX representative and myself called Carrington and XXXX XXXX XXXX faxed Carrington proof of my payment. XXXX from Carrington told us they located the funds XXXX XXXX XXXX sent. A letter from Carrington dated XXXX/XXXX/16, stated they located the {$570.00} and it was posted to my loan as the XXXX payment with an effective date of XXXX/XXXX/16. On XXXX/XXXX/16, I called Carrington again and spoke to XXXX and informed her the {$570.00} was the Payoff Statement amount and should be applied as such. She put me on hold to speak to someone else. She then told me I should not worry, the funds would be sent to the cashiering dept. I could consider the mortgage paid off. On XXXX/XXXX/16, I received a Call from Carrington trying to collect a debt. I explained the whole thing to this woman and she found all the notes pertaining to this matter in my loan file. She said she 'd pass this to her supervisor for quick action. On XXXX/XXXX/16, I received a Notice of Intent to Foreclose from Carrington. I again called them speaking to the same woman as I did the day before. She informed me she would have her supervisor call me. It is becoming clear to me now that Carrington Mortgage Services, through incompetence and/or outright criminal activities, is trying to extort additional funds from me.
I am a CitiCard holder for twelve years. In twelve years I have never had a delinquency with them. On XXXX XXXX, 2016 I gave XXXX experienced some health issues. After coming home and getting settled in XXXX, I missed my Citicard payment. I called and called Citi to beg them to remove this one late marking off of my credit report. I spoke to account supervisors and asked that I speak to upper management, who they informed me are not accessible by phone. Given my hardship, I ask they please remove this XXXX mark and return my twelve year account to good status. 
Thank you
I work for XXXX XXXX as a XXXX XXXX. I have been employed there for 13 years. I have been paying on a XXXX degree for 5 years. I received information through a work email that I may qualify for a loan forgiveness program through the Federal government. I applied and was accepted. Before my first payment was due I received another email that stated I applied for the wrong program and to reapply for one based on income. I did so and was accepted. I only had a small payment due on the original transfer as the whole payment had not been figured out yet. My first payment through the University of XXXX  ( Fedloan.gov ) site was {$340.00}. I immediately called the company and spoke to customer service and told them that my original payments were only {$310.00} prior to any transfers at 6.8 % interest why did my " loan forgiveness '' payments go up? I was told that my problem would be referred to their account problem department. I never received any correspondence. The next month my payment remained at {$340.00}. I called again and was told that they do see my prior request and would request again. Now my 3rd payment is still {$340.00}. I emailed The University of XXXX  complaint department personally 3 weeks ago with no response. I sent a second email one week ago stating my dismay and fear that this company is fraudulent. I still have no response. I also have complained at the first three requests that I also have never received any disclosure paperwork.
Hi I was approved for American Express credit card and I got my credit card in the mail on XX/XX/2018 and I needed a ride for lyft and my credit card didnt go through so I called American Express and they told they needed some documents from me and I fax it to them and had it notarized and also fax in my ID and I never heard back from them and I called them and they told me it will take 72 hours for them to call me and they never called and told me I have to wait another 72 hours and I did a balance transfer to pay off my other credit cards and they told me there no records of balance transfers and I will upset and told me give it another 48 hours to reflect on there systems and I need to have my credits cards paid off so I wont be in debt ... .. and American Express ask for my phone number in name and I told them I change it because I didnt like XXXX and I want a better service and I gave them this number XXXX and they said its a bad number ... ..
I refinanced my student loan in XXXX of 2017, with XXXX. XXXX sent a check to Navient overpaying my students loans by {$730.00}. Despite numerous promises, Navient has refused to return the over payment to me and has continuously engaged in delay tactics in responding to my request for documentation and refunding monies due and owed to me.
The first conversation I had with Navient was on or about XXXX XXXX, 2017, and I was told a check would be mailed to me. After not receiving a refund, I called back on or about XXXX XXXX, 2017, and I was told the funds were returned to XXXX. I requested documentation from Navient verifying when the funds were sent and where. I was told that I would receive the information within 7-10 days. However, now three months later, I still have not received the requested documentation. I followed-up with XXXX, and they indicated that Navient never returned the funds. Therefore, I sent a demand letter to Navient on XXXX XXXX 2017, along with documentation about my account and the over payment. Once again, I demanded Navient to return my over payment. I spoke to XXXX XXXX, in the Office of the Customer Advocate, on XXXX XXXX, 2017. She told me that she would check into the status and get back to me byXX/XX/XXXX. When I did not hear from her, I send her an email on the morning of XXXX XXXX, 2017. She called me later that afternoon onXX/XX/XXXX, and told me ( yet another story ) that the check was returned to Navient as undelivered and on XXXX XXXX, 2017, and that they resent it on XX/XX/XXXX, but that the check remained uncashed. Once again, I demanded verification and was told that it would take up to 10 days. I sent an email to XXXX XXXX onXX/XX/XXXX with instructions on where to send the refund payment and further requested confirmation when the check would be send. I also demanded documentation and a written explanation from Navient about its efforts to refund the over payment. I have yet to hear from XXXX XXXX or anyone else at Navient. It has been almost four months, since my student loan with Navient has been paid in full and yet it refuses to return my over payment. Navient has engaged in fraud and has wrongfully converted my funds.
I purchased a vehicle from XXXX XXXX XXXX XXXX XX/XX/2012 made payments of {$290.00} a month after having the car less than a year I have spent over {$8000.00} on repairs I contacted XXXX XXXX XXXX XXXX   because now I was told by a mechanic I needed a new engine estimated to be around {$4000.00} They agreed to let me have the car towed to the dealership because it was not able to drive it and give them the car back. I found out they had nver put a title in my name or applied any of my payments towards to principal of the loan.
An apt . my daughter rented while going to college, she switched schools and had to move, the company rented the unit 1 month later and now is trying to double dip and collect from her as well as me and also collected from other parties.
I have had a VA mortgage for 7 years with Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Lender NMLS ID : XXXX I am constantly badgered by mail, phone & email to refinance. All notices are unsolicited & I have spoke w/ several agents to announce my desire to be left alone & that I am not interested in their services. 
Make them stop!!
Nationstar Mortgage still owes me {$1000.00} in surplus escrow from 2014.
I have submitted this claim previously : " I have a checking account and a savings account with Chase. I am a XXXX resident, I am a resident and citizen of XXXX. I stay in USA XXXX with my relatives and use their address as mailing address, but my permanent address is in XXXX. I submitted form XXXX stating that when I opened my accounts and Chase confirmed that they have this form in their system. However Chase withdrew about {$120.00} from both my accounts in 2015 as " Federal Interest Withheld '' although they were not supposed to do that because of my foreign status. According to IRS publication about foreign individuals ( http : //www.irs.gov/Individuals/International-Taxpayers/Income-Subject-to-NRA-Withholding ) " bank deposit interest that is not effectively connected with the conduct of a U.S. trade or business '' are not subjest for tax withholding. They are supposed to refund this fee when requested by the customer. However I contacted customer service and the branch office several times and they were only sending me back and forth without any real help. Please help me to refund this fee. " The bank responded that I have to submit a new version of XXXX form in order to proceed with refund. I have submitted it more than a month ago, however fees are still not refunded and bank is not responding to my inquries. I have attached a new signed form XXXX to this claim again.
XXXX HAS NOT DONE A PROPER INVESTIGATION ON THE HARD INQUIRYS ON MY CREDIT REPORT. SINCE THE DATA BREACH THEY HAVE NOT DONE ANYTHING TO REMOVE ALL THE FRAUDULENT INQUIRYS ON MY REPORT. I DID NOT APPLY FOR CREDIT WITH ALL THOSE COMPANYS. I WOULD LIKE ALL THE INQUIRY 'S ON MY CREDIT REPORT REMOVED NOW. 

Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all contact with me.
If this final request does not prompt you to conduct a proper investigation of the items in question, or the immediate and complete REMOVAL of the INQUIRIES and NEGATIIVE COMMENTS from all my credit reports ( XXXX, Experian, and XXXX XXXX ) immediately. Please send proof to me of said investigation, I will file a civil suit in your county, or state for damages. 

Your Company has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
A debt collection appeared on my credit report recently. This debt was from a utility company in Michigan. It appeared originally around XXXX. I disputed it with the utility company then and it was removed. Now 4-5 years later it reappeared thru a collection agency. I disputed it with them and they were going to provide a report to the utility company as I do not and have not lived in Michigan since XXXX. After speaking with XXXX I was advised to file credit fraud to prevent this fraudulent debt from being sold to another debt collector and reappearing on my report. The amount in {$4000.00}. I cant believe that a utility company can let someones bill accumulate that high without a disconnection of service. It sounds like they are trying to pass their mismanagement issues on to me. 
XXXX XXXX XXXX id # XXXX Amount {$4000.00}
XXXX was reporting outdated information ( from XXXX 2017 ) regarding a US Bank credit card account for which I am an authorized user. My wife is the primary account owner. We contacted XXXX and they advised that they had simply not received updated information from US Bank and that we should submit a dispute.
We were not advised that by submitting a dispute, XXXX would delete / completely remove the account from my report. Removing the account was the incorrect action and not what I requested. The account was correctly showing up on my report, but the balance and payment information simply needed to be " refreshed ''. The removal of this account caused my XXXX  credit score to drop by over XXXX points, which has prevented my wife and I from being able to apply for a home loan.
We requested to withdraw the dispute from XXXX, but they advised that this was not possible and that the only way to resolve the matter would be for us to contact US Bank and request that they either call the " local XXXX marketing office '' or submit a request to update.
We submitted documents in writing to both XXXX and US Bank requesting this. US Bank advised that they can not call the marketing office and repeated efforts to request them to do so have failed. US Bank advised that they investigated out situation and sent over a request to XXXX on XXXX/XXXX/2017.
XXXX advised that upon receive such a request it would take 5-7 business days to update the information. However, I called today and they are now stating that they have NOT received any kind of request and that the only way to get the account correctly reinstated to my report is to have US Bank call the office ( which they refuse to do ).
XXXX is now also stating that there is a " technical error '' with my file / report and giving me the " run around '' each time I call. US Bank refuses to assist further.
This company have put a duplicate accounts on my credit report. XXXX account ( account ending in XXXX ) does not belong to me they are reporting more than 120 days late. I open my account ( account ending in XXXX ) in XXXX 2015 XXXX payment was n't due till XXXX XXXX 2015 so how can I be 120 days late. I have never been late nor miss a payment with this company. I talk to the manager ( XXXX ) at the XXXX Ga. location which she admitted that she was the XXXX made the mistake and that she will fit it but have nothing been done yet... I have made dispute with all XXXX credit report agency cause I am a member with all XXXX but nothing have been done yet. This have made my score drop more than XXXX points and I am in the process of trying to get my house and car refinance for a better rate.
Equifax credit reporting agency is reporting inaccurate information on my credit report. 
The account in question is XXXX XXXX. When I question the reporting of this account equifax responded that the account was valid and accurate which is incorrect. The amount is not correct and is causing me to be denied credit. Due to the fact that Equifax is not reporting XXXX XXXX accurately, I would like Equifax to immediately cease reporting this account.
Equifax is reporting an old address on my credit report that has n't been mine in almost 10 years. Usually I would n't mind but, it just appeared out of the blue in a address update they just recently did. I 'm thinking it might be identify theft, with all the credit info being stolen. My address is in XXXX for years now. As a matter of fact when I left XXXX I broke the lease, and I named the XXXX ( the name of the community on my Bankruptcy ) I do n't know why now it would surface and from where?
I attempted to obtain a credit report from annualcreditreport.com, months ago. Equifax would not mail the request due to some form of problem. I received a response from Equifax dated XX/XX/XXXX. requesting additional identifying documents. I mailed them a copy of a XXXX with my SSN and a copy of a utility bill along with a copy of their request letter. I then received notification dated XX/XX/XXXX. that I must provide additional identifying documents, like the ones I already mailed. Equifax has been provided with the best identifying information I have available and I have not been able to obtain a credit report from them, as required by law. 
I once again attempted to obtain a report from Equifax through annualcreditreport.com today. Once again I am unable to receive any report.
Complaint against : XXXX XXXX on behalf of XXXX   University -XX/XX/18 XXXX   attempted to collect a debt from online XXXX  University amount owed. XXXX XXXX, employee settled the account for@XXXX as debt paid and final. 
-XX/XX/XXXX, 2 months later, XXXX XXXX begins calling 2-3x/week stating she was a new employee to XXXX XXXX and she mistakenly settled the account for too low of an amount and was requesting additional {$500.00}. I requested to speak to a manager, transferred to team leader XXXX XXXX who stated they would not honor settlement agreement. I requested to speak to supervisor and was sent to Supervisor,  XXXX ( or XXXX ) XXXX. I left distressed voicemail that company was not honoring their agreement and it wasnot my fault that a " new employee '' made a mistake and is attempting to collect more 2 months after the fact. NOT fair business practice. 
-XX/XX/18, I called back to speak with XXXX XXXX and spoke with XXXX ( XXXX ) who took my detail complaint and was going to submit to supervisor. 
-XX/XX/18 I called to request to speak with XXXX XXXX , company hung up on me. 
-XX/XX/18 I called to speak XXXX XXXX . I was hung up on. 
-XX/XX/18 Called back and asked for XXXX XXXX , she was rude and stated they would not honor settlement agreement. I requested to speak to XXXX 's supervisor. She refused and then stated she would negotiate for {$110.00}. I declined stating that debt was paid and I owe nothing. I requested that XXXX contact the university. XXXX finally agreed to contact corporate and acknowledged that new employee made mistake and they were not honoring agreement. 
XX/XX/18 I spoke to XXXX XXXX, financial aid advisor for South University. She emailed me 50/50 match settlement of {$150.00}. I asked for time to get reply from XXXX XXXX -XXXX through XXXX, I did not get response from XXXX XXXX . 
XX/XX/18 Called for f/u on settlement agreement. I was informed that original agreement will not be honored XX/XX/18 I emailed XXXX XXXX, XXXX Univ financial aid advisor, and I agreed to email settlement of {$150.00}. 
XX/XX/18 resent email to XXXX XXXX and I was informed that financial aid would no longer honor the agreement and recommended I keep working with access receivables to negotiate new settlement. 
XX/XX/18 Left voicemail for XXXX XXXX. 
XX/XX/18 I called to f/u with XXXX. XXXX XXXX informed me that XXXX has been on vacation so he f/u with XXXX XXXX   supervisor XXXX XXXX who related to XXXX that agreement will not be honored and owe {$500.00}. I told XXXX that I had written proof that XXXX University was willing to settle for {$150.00} and requested they honor this at least. XXXX requested I email him the settlement email and he would pass it along to supervisor. I emailed XXXX the settlement offer from XXXX Univ. XXXX wouldn't confirm if he had received email. I called access receivables and XXXX confirmed he received email. 
XX/XX/18 I called XXXX and their was no response. I emailed XXXX again with email settlement. No response. 
XX/XX/18 Received letter from access receivables threatening to ruin my credit by reporting debt to credit bureaus. 
XX/XX/XXXX I am submitting this complaint.
This account was open in XX/XX/XXXX and the last year of activity was XX/XX/XXXX. XXXX XXXX is providing false and misleading information to credit bureau stating that this is a new account. I have requested a signed contract and a bill of sell from XXXX XXXX ( Information has never been received ). The account was not reviewed by the collector or the credit bureau. As a consumer it is my right that items on my credit report be correct. I also have right to proof of sell to XXXX and permission before my private information is sold to an unknown collector. It is the credit bureau responsible to investigate and make sure credit information correct. I know that my claim has not been investigated.
XXXX XXXX XXXX XXXX received a contract for a purchase, with an Addendum that the buyer and realtor was not aware of. The addendum is forcing the buyer to use Stewart Title as their closing agent, and having the buyer pay for their own title policy, This was not disclosed by the Listing agent in the XXXX, nor was it disclosed to the selling agent for the buyers. The contract was checked that the buyer wanted to select title agent and pay for their own title policy. In normal situation, and even in Foreclosed properties, the one who chooses the title/closing agent/attorney pays for the title policy. 

The addendum that the buyers signed is deceptive because it supersede the contract choice, but failed to state that the seller will continue to pay for title policy. 

Stewart Title Company, The Seller XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX the Listing company seems to be in bed together, because this is deceptive and should have been disclosed by the listing agent and in the XXXX, including an Affiliate Business Arrangement Disclosure. I guess this is how these company do business. This is a clear violation of RESPA.
all XXXX burs are still reporting items over 7 yrs, XXXX reported to your agency that the item in question was remove and was reported to all XXXX burs that the item was paid XXXX which the banks used still have a item XXXX. when this was paid
I did dispute this nonsense withe equifax no respond from this XXXX, they reinserted deleted items on my report I did send them letter to explain too me why did you reinserted deleted item I even talk to them on the phone, they r very nasty they toll me we never report them, wow I see them on my credit report then I toll them here is the amount and dates when they ware deleted, here cfpb I give you amounts and dates when they deleted, XXXX XXXX was deleted XXXX dollars. Another XXXX was deleted on XXXX XXXX amount XXXX dollars, now after a year they did reinserted back on credit file this collection account they delete, XXXX XXXX XXXX, I contact both wats going on no respond from them they blame each other, by the law when they delete accounts from file they ca n't pout them back I blame both equifax and XXXX XXXX XXXX, more I blame equifax for reinserting deleted items
There was a debt that was owed through a apartment complex for XXXX dollars that XXXX had collected from me last year and showed it as a paid collection on my credit report. Now they have put another collection for the same amount on my credit report under a different account number. This has already been paid.