WillisBack/dataset-financial-user-claim huggingface dataset:
I sent the credit reporting agencies XXXX and EXPERIAN as well the COLLECTION AGENCY XXXX XXXX XXXX XXXX, and the alleged creditor XXXX XXXX XXXX  certified documents in refrence to an alleged debt, stating per federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standardsof practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim. per law any defiient of substantial and evident matters of facts would be unethically reported and  even illegally reported. My state and federal laws alike agree that neither willful nor ignorant disregard is acceptable so I demand here today RIGHT NOW, that the allegatuions in challenge be eradicated in full or else wise demostrated in its entirely to be compliant in every aspects of its reporting. to retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The curentlyunfounded and even not certified true or correct misinformation of such is misreporting is as follows and must be deleted immediately so please do so with delay.Alleged Reporting data Provider, Collection Agency: XXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXXNot Proven Compliant Account: XXXX** THE ORIGINAL CREDITOR XXXX XXXX HAS NOT  RESPONDED TO MY REQUEST,AND XXXX XXXX XXXX FAILED TO MEET MY REQUEST. (PLEASE SEE ATTACHMENTS) ..
I have been trying to go onto Experian website to file a dispute. However, the dispute page does not load. When I phone Experian, I can not speak with anyone to get get help form the company, so I can file my dispute.
I have late payments from my student loans and I really need to get those off my credit because Im trying to better my life and credit score the late payment is really making my credit report bad.
I have been getting several local and 800 number phone calls that left no messages. XXXX XXXX called from local number XXXX XXXX XXXX and said there is a criminal case against me and i need to call for info. They gave me the # XXXX XXXX XXXX and a file #. I called and they identified as XXXX and XXXX. Stated they were going to mediate a criminal case against me with 2 federal charges re : knowingly defrauding a bank. I asked which company reported this and they said Advance America which is a payday loan co i have used. Said i must pay XXXX $ or the sheriff will arrest me tomorrow. Asked for more details and caller got rude and threatening. Asked to speak to someone else and he said " it doesnt matter who you talk to, you will still get arrested. '' And then he hung up.
Multiple times I 've had my own identity stolen by my own sister and it 's easy for her to do bc she looks similar to me, she 's 5 years older, she lives close, knows everything about me, she went to school for an account, knew in her earlier high school years how to get illegal ssi numbers. Do n't know what she would want with that. So she 's opened credit cards with my social, drained empty multiple bank and checking accounts from 3 different branches, stole my inheritance from both my XXXX parents and signed the checks, claimed me as her adult adopted XXXX child on her taxes, I have to go to court in to weeks for a credit card she opened under my name, she does my taxes every year so I have to sit at the IRS, she 's stolen around 300 grand just from bank accounts alone. I 'm sick of this. She stole my moms XXXX XXXX XXXX, my XXXX XXXX with XXXX, tried to get me to buy her XXXXXXXX XXXX. She tells me how to make XXXX. Called me one day telling me there r bugs crawling down her walls and her body. She 's the governments biggest issue, I 've complained so many times but no one seems to care. It seems like they would rather be out doing stops for XXXX and speeding 5  miles over the speed limit than the serious issues we have to address. This has been going on big time since XX/XX/XXXX, the looking up socials was I believe XX/XX/XXXX.
My complaint has to do with merchant refunds not credited to my bank account On XX/XX/XXXX XXXX refunded XXXX to our bank account under my husbands debit card number On XX/XX/XXXX I called Citibank to find out where this credit was The supervisor told me that it was pending and it would be released and credited to our account at close of day ( XXXX ) I never received the credit so I called XXXX and they reassured me ( and verified through a ARN tracking number ) that the credit was issued The manager from XXXX called Citibank and initiated a three way call The Citibank rep stated that there was no credit pending and I would have to wait 10 more business days before filing a dispute She said that whoever told me on the XX/XX/XXXX about seeing a credit was mistaken because it is impossible to see anything on their end until it actually posted The citibank employee right out lied to me The Wayfair manager then gave the citibank rep the ARN number ( the bank tracking number ) and told her that the refund was issued and this tracking number was used to make sure XXXX had dispersed the funds He explained that the refund was received by citibank and there was no reason for my account to not have been credited I then asked if I could file a complaint dispute through email or fax I sent a fax along with a letter from XXXX but still have not received a credit I suspect that something or someone on the Citibanks end is holding or stealing any refunds going into our account I have never had any refund not credited within 24 hours after the merchant issues it I am really convinced there is something going on with our account as we are filing another separate complaint about another XXXX refund that we have not received Please check into this matter ASAP as bank fraud could be involved
My XXXX XXXX Credit card was closed for years, I went to purchase an item and the cashier said I could use it, even though she never said it was closed. So I charged the item and then paid for it but got charged a late fee and interested. I called the company, they said IF the card wasn't closed, they would have been able to wave the fee, but since its a closed account, they could NOT wave the fee. That made no sense to me! If I was able to use the card, that the cashier was able to charge something to that card, then why would they NOT be able to go in and wave the fee? 
Now I paid that fee but keep getting more bills with more fees. So now I am out {$25.00} and now the current charge is {$25.00}. This is adding up to be more then the item I originally purchased. 
So I am looking for a reimbursement of the original fee I paid, it can be in a check or even a store credit. But if I don't pay this next bill I could be sent to collections and I don't want to hurt my credit score any more then I already have with the fees on this card! 
Spoke with first XXXX XXXX then XXXX then Supervisor XXXX XXXX of Fees X 3 of {$25.00} each = {$75.00} XXXX and XXXX and XX/XX/2018 statements Also spoke with XXXX at XXXX XXXX XXXX
To Whom It May Concern, On XXXX I discussed payment options with XXXX @ XXXX XXXX, XXXX XXXX and XXXX XXXX Collections. @ XXXX XXXX I discovered that there were no options to have a lower rate on my private ( signature ) loans. I had been laid off since for about two months and had Fed loans in IDR for one set and the other in {$0.00} payment for one year. 

The amount that I owed was {$190.00}. 

I called back on XX/XX/XXXX @ XXXX XXXX XXXX {$190.00} was paid. confirmation # XXXX. 

I received a call from XXXX XXXX XXXX from 30 day collections department who advised that XXXX applied my payment to a fed loan by mistake. 
XXXX @ XXXX XXXX I then spoke with XXXX XXXX from the servicing department who advised she would Reapply the XXXX to the private loans. She advised the correctio will finish XXXX.
Experian Report # XXXX Date XX/XX/18 Address Issues Experian keeps adding XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Address identification Number XXXX is wrong I have provide time after time proof of the right address. 
Address Identification Number XXXX is wrong as well Experian added another same address to my credit report XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX on Report # XXXX The report # XXXX Date XX/XX/18 does not have 3 address for XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Experian keeps adding or delete on thing and then add it on another report. Time after time.
To CFPB, I have tried many times to get Equifax to correct inaccurate information on my report, as you know I suffer from XXXX  and have been in and out of the hospital many times and i have notice that over the last 60 days my credit score went from XXXX down to XXXX yet there has been no adverse things going on in my financial situation and any one knows that a persons score does not just go down that many points for no reason you know it and I know it. I think its time to re investigate Equifax for law breaking practices as they have done similar things like this in the past to try to sell the consumer products regarding their credit score, I don't have time or the health right not to continue to deal with this therefore, I ask you to do an investigation into this matter.
I have been dealing with DHI mortgage company for over a month to close on a house. I signed all my documents except for ones which contained numbers. I did that because the numbers were wrong. It took them the longest time to get back to me with the numbers and then when they did they were still incorrect. I had to follow up with them on whether everything was handled. Now we are XXXX business days from closing and the want me to resign all initial disclosures because they stated I never signed them. I am extremely frustrated and feel as if they have been highly unorganized and unprofessional. They still had me submitting XXXX up to XXXX weeks ago when I submitted all these items over a month ago. They also have not been good about going over the numbers with me either.
OnXX/XX/XXXX I applied for a total and XXXX XXXX   Discharged with the XXXX XXXX XXXX XXXX I was approved on XX/XX/XXXX of my approval on my discharge of all student loans with NELNET. The amount was for a total of XXXX  to be discharged. The said it would be reported at the end of the month to all three credit companys as, paid in full closed. At the time I applied for discharge my loans were current, and in good standing on all there of my credit reports. NelNet reported on XX/XX/XXXX a increased balance on my credit reports of a total of XXXX in student loans. Not only did they not close, the accounts and report them as paid, they tranfered the loans to another part of NelNet that handles the discharge for the XXXX XXXX XXXX XXXXXXXX. So now on all my credit reports it shows I have loans with NELNET/XXXX it also shows Nelnet XXXX XXXX XXXX XXXX. So its double accounts dropping my credit score 167 points. I got denied housing becuase high balance of student loans. I am XXXX, and about ready to be homeless. I spoke with XXXX through email I called both parts of NELNET and they said it was suppose to be reported as, paid and closed with XXXX balance. I got my letter of discharge, and everytime I call I get the same response your loans have been closed with Nelnet and we report at the end of the month to the credit companys. We will report the accounts as, paid and closed.
In XXXX 2016 I called Barclays to say I might need to dispute a charge on my Barclay Arrival credit card made by XXXX XXXX on XXXX/XXXX/16 because they were refusing to allow me to rebook a flight which they had agreed to let me reschedule for medical reasons. I told them If I were unable to resolve the matter I would file a dispute on my return. On XXXX XXXX I called to open the dispute and gave them all the information they requested. On XXXX they attempted to call me for additional information and when I did not answer they sent me a letter dated XXXX closing the dispute. I called again and spent an hour on the phone with XXXX going through the story in detail, and then on XXXX faxed them a written version. On XXXX XXXX as I was travelling again they sent another letter saying they were closing the dispute. When I called them upon returning from travel they said that it was too late to take any action on the account at that point. To my knowledge they never attempted to contact XXXX XXXX to resolve the issue. When I spoke with someone at the general customer service department she said they had received both my faxes and she did not see any reason for them to have closed the dispute since I had made timely responses, but that they are under great pressure to resolve disputes within 3 months so they close them automatically three months after the charge date, regardless of whether they have really been resolved in order to avoid being penalized.
IC Systems calls my cell phone several times a day from the phone number XXXX. They do not leave a message.
Check was cashed on my account. I did not write the check. Check was stolen and used fraudulently. Bank states I did not report check stole but bank was told checks were lost since moved into new address.
I have been a client of Wells Fargo for over 10 years and just received I have noticed some unfair business practices in comparison to my other banks. I have a checking account and debit card associated with my account. For the past few months I have noticed that Wells Fargo will hold transactions until close to midnight. 

As it appears on my end if I have {$20.00} in my account, Wells Fargo will not posted my pending transactions until XXXX or so. So if a charge come in at {$22.00} at XXXX ( when I do not have the opportunity to make a deposit due to the time ) I am then charged with an {$35.00} overdraft fee. Surprisingly enough I have only noticed this ( close to close of business hold ) on transactions that will make my account overdraft. 

This year alone I have paid over {$700.00} due to these practices. When I spoke to someone about my concerns they explained that transactions post when they occur, which has NOT been the case for my account. 

I also have a XXXX XXXX XXXX and XXXX account and I have never experienced them holding transactions until close to close of business. My transactions posted shortly after I use my card and any ACH cards are posted earlier in the day. Which, if over drafted, I have to opportunity to make cash deposits that post immediately.
The collector ( Professional Dept Mediation, inc ) has reported to credit report that i have a balance with there clients.i do not have a balance.i leaved there for XXXX years always paid on time never late.i completed my rent.They bushed me out because the complex was going to be converted to condo and they where selling them to future owners so old management company who was there for XXXX years got fired replaced by a new company brokers so they can sell and convert XXXX XXXX to XXXX investment.there was a war on administration old to knew.i left when knew company was coming and i did n't want us to renew the lease so i was forced out.that was almost XXXX yrs ago.now they say i have a balance {$3700.00} its a lie .i need help please.
I need help resolving my issues with American Express. My last follow-up to American Express on this matter was on XX/XX/XXXX/XXXX ( EDT ) -contact with several American Express customer service representatives regarding an unauthorized transaction and a letter stating the proverbial " ..be responsible for '' to my credit card-again- on XXXX XXXX, XXXX in the amount of {$730.00}, '' which has taken an inordinate effort on my part, at least 10 times in writing and via phone calls since XXXX XXXX. Through XXXX, I made reservations for the XXXX XXXX. Since this has unfolded as an unnecessary series of frustrating events, it was unbeknownst to us, that the transaction was not processed by XXXX, but sent to a THIRD PARTY, XXXX. A family emergency necessitated cancellation of our reservations, which we did directly with the XXXX XXXX well in advance of the planned stay. Nonetheless, the next AmEx billing statement included the FULL charge of {$730.00}, which we both have we now have disputed multiple times as my husband IS AN AUTHORIZED USER and through multiple platforms since the charge hit my bill. Im very concerned about the toll this is taking on me and my MANY attempts to rectify these issues with all three parties through email and endless hours on the phone over the course of almost seven monthsseemingly to no avail. At no time did I/we conduct business with XXXX. XXXX  recitation of their contract is invalid ; it is not a contract to which we were a signatory. The XXXX has been steadfast in supporting a full refund of {$730.00}, waiving any cancellation fee, and MOST IMPORTANTLY, the XXXX never charged XXXX virtual card. XXXX is prospectively attempting to be unjustly enriched, without having provided a product/service/merchandise. Regardless of XXXX ( undisclosed to us at the time of the XXXX booking ) policy, it is incomprehensible that XXXX would get to retain the full amount. We were not a party to XXXXs engagement with XXXX, therefore can not be bound by what is effectively described as a contract. Finally, nothing XXXX did in the performance of their work warrants retaining the full {$730.00}. They have not demonstrated any costs incurred no cancellation fee charged by the merchant ( XXXX ), no reduction of abilities to secure rooms in the future at the XXXX short, no actual or unrealized costs. Below is the official position of the merchant-the XXXX XXXXreiterating their advocacy of my reasonable requests and pleas, along with documentation the XXXX directly contacted XXXX on several occasions and conveyed the same set of facts and proofs. Thanks in advance for a positive result in this investigation. XXXX XXXX XXXX  XXXX ( XXXXXXXX XXXX )
I had a credit card with Chase Bank a few years back and it was a credit limit of {$20000.00} and I had a balance of {$19000.00} and change I paid it on time every month until it was paid off. I have called them several times regarding this is not showing up on my credit report at all. It should be listed on all three major credit bureaus as a positive remark. They have not tried to help me regarding this when I called last time they told me they will go ahead and put it through to all three major credit bureaus but they still have n't done so this should be something to impact my credit report because of the balance I paid off!!!! Please have them immediately update this to all three major credit bureaus. 
My ss # XXXX XX/XX/XXXX.
On XX/XX/XXXX I scheduled a payment online to Ally Bank. I had done one payment for XXXX and then scheduled another payment for XXXX at the same time because I was going to distribute the payment over XXXX different accounts. I went back in and edited the payment back to my original account after receiving my XXXX bonus. I tried logging on XX/XX/XXXX to check and make sure everything worked out and could not log into my account because Ally was updating their website and no one could access their account online nor were any representatives available from XX/XX/XXXX through XX/XX/XXXX because of the holiday. I finally got a representative on XX/XX/XXXX who gave me a reference number XXXX and said she saw that I did indeed make a payment. I also explained to her that Ally was reporting my payment as late and because of their error my credit protection monitoring sent me a message that my credit dropped XXXX points. She told me to call back on XXXX XXXX and give the ref. number and speak with a supervisor. I called back XX/XX/XXXX and was told to call back on XX/XX/XXXX they were still working on my case. Om XX/XX/XXXX I called back and the matter was resolved my payment schedule was update and Ally also reported this to the credit agencies. I made my next payment on XX/XX/XXXX and I also my XXXX free credit reports. I am a single mom who wants to buy a home, works full time and XXXX so I have been working very hard on building my credit. I saw that Ally had reported the payment I had called and resolved again as late. I put in a dispute through my free credit report agencies and uploaded the information that showed the resolving of my matter. In the mean time I had called back in hopes that I could resolve the matter with Ally and talking to a supervisor named XXXX who I told check my payment record I was told in the notes it said I paid on time and I also printed my payment list. She was very rude and told me there was nothing she could do. I checked my payment history after speaking with her and she had gone in and changed the history to make it look like the second half of my payment was late which I consider to be fraudulent. I am attaching the history on XX/XX/XXXX which reflected my on time payments made on XX/XX/XXXX. I am asking that my payments be corrected to reflect the correct payment history and that my credit be restored to what it reflected after XX/XX/XXXX. Thank you
I purchased renters insurance from XXXX, policy # XXXX earlier this year. I could not afford to make the monthly payments and allowed the policy to lapse. I just received a notice today from Credit Collection Services ( XXXX ) XXXX file # XXXX XXXX XXXX stating that I owed a payment of {$29.00} for XXXX. I asked why I received this and was told I was covered up until that time even though I have not made a payment in months. I pulled out my policy, contacted XXXX ( XXXX ) XXXX asked if they could direct me to where it states if I discontinue payments they could expect payment and/or collections for non payment. I was told it is not in their policy.
XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!
Choice Recovery collection agency placed negative marks on my credit for 3 debts {$100.00}, {$40.00} And {$200.00}. 
This debt is not mine, if this is a medical bill my information was illegally shared with a 3rd party company without my consent, this goes against Hippa laws. I am furious. I pay all my bills on time. This caused my Credit to loose 40 points. Please help me
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E .

Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Telecheck/TRS Recovery is blocking me from using my checking account. On XXXX XXXX, 2016, a check was written to XXXX. XXXX drugstore had a power outage. Put check through twice, but later canceled second charge for {$100.00} for same items. Telecheck/TRS Recovery has issued false report so it can make money that is not owed. XXXX drugstore is aware, but claims it has no control over Telecheck/TRS Recovery ( First Data ). I need a resolution that will remove the block and stop the phone calls daily from various anonymous or hidden numbers.
XX/XX/XXXX I received email stating account has been paid in full XX/XX/XXXX I received email stating account has been paid in full with different address than XX/XX/XXXX XX/XX/XXXX I received email stating account has been paid in full XX/XX/XXXX I received email stating account has been paid in full Never have received any validation of the debt or any signed contracts from myself and the collection agency, or from the original creditor, XXXX.