WillisBack/dataset-financial-user-claim huggingface dataset:
I have a XXXX XXXX XXXX in the process of being treated. I'm an XXXX  XXXX technically XXXX XXXX, have been having a XXXX XXXX preventing me from working. I get no paid time off. Spoke to a Navient customer representative on XX/XX/19 to explain my circumstances and inability to repay, as well as offering to submit proper medical documents needed. He was demanding repayment and stated there is nothing that can be worked out. As a result my credit is ruined and interest accrued {$7000.00}. I need assistance with this issue as nothing is being resolved with communication with Navient the lender.
XXXX, XXXX and Experian have deleted an account off of my credit report not once not twice but three times and have been deleting the account and then a month later re-adding the account back onto all 3 of the credit bureaus. The account is XXXX XXXX. This has been going on throughout XX/XX/2018. The account was just added back onto all three credit bureaus after being deleted for the second time last month in XXXX. This is ridiculous. It sinks my score the more they delete it and re-add it. Once an account has been deleted that should be final.
XX/XX/2016 - Checked my credit report and found inquiries from company on the following dates : XX/XX/2016 XX/XX/2016 I did not put in an application for this company and my credit report should not have been run.
Debt was settled in dispute resolution and I have copy of signed settlement agreement and both the cleared personal checks that were used to pay full settlement agreement amount and the lawsuit was dismissed.
I have a bunch of inquiries that I did not authorize. They refuse to delete them from Transunion. They keep saying that they were validated BUT WILL NOT SHOW ME any proof
ON  XXXX   XXXX   XXXX   XXXX  DID A HARD INQUIRY ON MY CREDIT REPORT WHICH WAS UNAUTHORISED ... .IN TALKING TO THE AGENT I ASHED HIM IF HE WAS GOING TO DO A HARD INQUIRY AND HE ASSURED ME HE WOULD NOT.I HAVE BEEN WORKING ON THIS SINCE I FOUND OUT THIS HARD INQUIRY ON MY REPORT ... .I HAVE RECEIVED  XXXX  LETTERS FROM  XXXX  ASSURING  ME  THAT THEY WILL BE REMOVING THIS FROM MY  XXXX   XXXX  DATED  XXXX   XXXX   XXXX  AND  XXXX   XXXX  ... .I .ALSO HAVE HARD INQUIRY FROM   XXXX   XXXX   ... I NEVER DID TALK TO ANYONE IN THAT COMANY AUTHORIIZING A HARD INQUIRY ... ... PLEASE HELP
Closed an checking account with Customer Service via telephone. This did not happen. Which resulted in overdraft fees and bank not letting me to reopen a new account with them or any other banking institution. And lower credit score.
XX/XX/2018, for four months I have been attempting to access my completed disputes. All they say is we are sorry you can't access the information and I'll transfer you from dispute resolution to customer service and then it is back and forth. apparently they have been working on their system for months.
XXXX/XXXX/2016, I 've sent a dispute to IC System regarding an XXXX account XXXX that has been paid. The agent name XXXX XXXX told me to send the letter and they will forward it onto XXXX to resolve this account I have been disputing for years. On XXXX/XXXX/2016, I called IC System at XXXX to get an update of my account, but the rep transferred me to an XXXX account receivable rep. name XXXX. XXXX asked for my name, account number, social security number, and address. XXXX with XXXX stated she do not show that I owe anything with XXXX for a u-verse account. I asked her please help me with IC system because they keep telling me that they are collecting these funds on behalf of XXXX. This has been a constant battle and I feel it is unfair for them to report on an account that has been paid and resolved. 

On XXXX/XXXX/2016, I asked the gentlemen at IC System to provide the XXXX Dept. name and XXXX phone number that is consistently reporting this XXXX Account balance of {$270.00}. The rep at IC System stated that he can not provide the name and number ; they only contact with XXXX is by me sent a dispute letter to forward to XXXX. I have sent a letter of dispute on many occasion, but it does not seem like IC System is forwarding the information to XXXX to resolve my account. Here I go again with the same run around by IC System ; IC System has not provided proof they have contacted ATT to delete the account that has been paid and resolved.
I have previously filed a complaint due to this company refusing to close my account and send me a closed account letter I sent a copy of my ID SS CARD AND UTILITY BILL I have proof it was sent and received through mail and email that asked me to send my personal documents I did and they still refused to close my account I 'm never going to use my card from Costco and it being open makes it prone to thefts or etc I might have to take legal action because they received my personal information and keep asking me for the same documentation and not closing my account
Bank of America 's collection group starts calling on the XXXX of the month if the monthly mortgage payment has not been posted on the XXXX of the month. The terms of the mortgage is that the payment is not late if it is received by the XXXX of the month. All payments have been paid before the XXXX of the month.
On XX/XX/XXXX I got credit alert notifications from XXXX XXXX that there were some changes on my Equifax Credit File. I checked those notifications and noticed there were multiple accounts appearing on my Equifax Credit File as of XX/XX/XXXX that had never appeared before. I immediately called Equifax and talked to them about those accounts not belonging to me and never opening those accounts and that I believed those accounts were fraudulent. I noticed the account were open back in XXXX and just now appeared on credit file. I sent to Equifax a completed FTC ID Theft Affidavit/Report, a cover letter explaining I have been a victim of identity theft, a copy of my drivers license, a copy of my social security card, a copy of the credit report indicating what accounts were fraudulent, and a copy of the FCRA 605B ( 15 U.S.C. 1681c-2 ). Since XX/XX/XXXX I have called at least every other day and have spoken to individuals in the customer service department, fraud department, and supervisors in both departments. I have asked them if they have received the paperwork I sent to them via certified priority mail through USPS and they have said yes every time and that those documents have been scanned and uploaded to the system. I have been told that a dispute has been open for fraud and have sent that dispute and the paperwork I sent them to the creditors and I have to wait 30 days or up to 30 days for it to be resolved, but I have every time specifically explained to them that according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) they are to block/delete those accounts that I identified as alleged fraud from my credit file within 4 business days and they always have excuses for not doing so and tell me I have to wait. They have not addressed my issue and I am currently in escrow for a home and this came up and I have begged them to please resolve my issue and help me out and they have refused to and have ignored every attempt I have made and have disregard the current FCRA 605B in place to protect individuals like me who have been victims of identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), " ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' I have provided to them everything requested and needed for them to comply with this request to block the items on the FTC ID Theft Report and they have failed to do so now and within the 4 business days.
Ameri-Home Mortgage failed to pay my property taxes. After months of complaining the billed was paid. Now I 'm showing a tax lien on my credit report.
In XXXX of 2017, I agreed to pay a delinquent credit card debt that had been purchased by Portfolio Recovery Associates. The rep I spoke with agreed that the charge off would be removed from my credit report upon payment. I paid it off and received a letter stating that the debt had been settled. Three months later, it 's still being reported on my credit. I 've called and emailed customer service. They all tell me that they do n't do pay to delete and they are not responsible for what their reps told me. They also told me that it was in fact illegal for them to remove it and that only the credit bureaus could do that. Which is a blatantly false statement.
XXXX/XXXX/2016 OD FEE PAID OVERDRAFT ITEM FEE {$180.00} - {$170.00} XXXX/XXXX/2016 ATM DEBIT XXXX Branch {$40.00} {$5.00} XXXX/XXXX/2016 CARD XXXX # XXXX XXXX {$15.00} {$45.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$60.00} {$61.00} XXXX/XXXX/2016 CARD XXXX XXXX {$10.00} {$120.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX XXXX {$21.00} {$130.00} XXXX/XXXX/2016 CARD XXXX XXXX {$3.00} {$150.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$100.00} {$150.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX {$13.00} {$250.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$2.00} {$260.00} XXXX/XXXX/2016 CARD XXXX XXXX # XXXX XXXX {$6.00} {$270.00} XXXX/XXXX/2016 FEE OTHER BANK ATM WITHDRAWAL FEE {$2.00} {$270.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$27.00} {$280.00} XXXX/XXXX/2016 ATM DEBIT XXXX XXXX XXXX XXXX {$100.00} {$300.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$200.00} {$410.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$15.00} {$610.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} {$620.00} I had sufficient funds and regions bank charged me {$180.00} overdraft fee on the left are the charges on the right is the balance I did contact the bank and they refuse to fix this issue. I would like this matter corrected. Regions Customer Service Center XXXX
I am filing a complaint against XXXXXXXX XXXX ( credit card ). I have sent a debt validation letter to the company on XX/XX/XXXX. I sent this letter due to the fact that I do not have an account with them nor have I applied. I received a letter back from them asking for a copy of credit report along with letter sent on XX/XX/XXXX ( almost 2months later ). I was a little confused on why they would need this info. I then began to file a dispute to the Credit bureaus on XX/XX/XXXX regarding the issue and copies of documents that show that items were properly verified. I then received a updated copy of report with out documents requested attached on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX from all credit bureaus. Today XX/XX/XXXX I received a letter from XXXX on stating there is no evidence of fraud and that they are no taking action at this time. I have not had an account with them since XX/XX/XXXX. Which that account was opened by a parent under my name since then I have not applied with them. Im also having the same issue with XXXX XXXX. I have never had a card with them and they never responded to my dept validation letter. I will like to have this issue Rectified ASAP.  Please help get this taken care of it is affecting my credit ability. I have been affected by the XXXX data breach and have placed a freeze on all credit reports until I am able to get all issues resolved.
XXXX XXXX XXXX calls about a debt and never says what the debt is. This company harasses my family and friends and they need to stop calling!
I am reaching out to you in regards to accounting issues with Resurgent Capital Services. The monthly balance on the account that this debt collector is trying to collect is inflated. I have tried to address this issue repeatedly but to no avail. My account used to be with XXXX XXXX XXXX. Upon transfer to Resurgent Capital Services an outstanding balance was in the amount of {$4600.00}. My monthly payments are in the amount of {$100.00}. Account transfer has occurred in the month of XXXX, 2018. Till present day I did not miss a single payment on the account ( have copies of all receipts with the postal service and money order slips ). However, Resurgent Capital Services is trying to overcharge me additional {$270.00}. According to my repayment agreement, I am not supposed to have any additional fess. Initial balance was in the amount of {$5500.00}, downpayment {$500.00} and monthly payments of {$100.00}.
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from AFNI in XX/XX/2018 in the amount of {$1.00}. First and foremost, I have confirmed that the debt collector, AFNI is not licensed in the state of Texas to collect on this debt. Secondly, AFNI violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to AFNI? I have never heard of them, have no written contract with them and have never received any benefits from them, yet AFNI has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$1500.00}.
I just lost a job because of financial set backs. So after call First Progress credit card ( synovus bank ) to discuss my situation. I was informed there was nothing they could do. Synovus Bank from then presist with reporting my pass due credit accout to all the major credit card companys 4-6 times for two months in a row. Forcing my credit to drop XXXX points in that 2 month period. I was unformed by the company that it was legal action. But I dont believe it at all. For the few months that I was current and paying extra there was attempt by the bank to report those positive transaction 4-6 per month.
I recently ordered my credit report from XXXX and noticed that there were a few inquiries that I did n't recognize or authorize : XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, these are the inquiries that are unauthorized and unrecognizable. I called and spoke to a representative and he stated that there was nothing that he could do to help me. I put an fraud alert on my credit report for XXXX and XXXX for reasons like this.
We moved out of apt was on month to month basis they charged us for not giving a thirty day notice.. We never received an itemized statement from the apt manager. Then started receiving very rude phone calls from collection agency and he called my place of employment being very rude to my co workers. Saying if i dont pay he was ginna attach my wages and he said he has a law suit pending against me which i have no knowledge of.
I sent out a debt verification letter to verify that this was my actual debt on XX/XX/2018, a second attempt on XX/XX/2018 and a third attempt on XX/XX/2018. I have gotten no response back from the company. I would like to pay off this debt if they can verify that it is in fact my debt.
XXXX from Cash One called and left a message on my phone indicating that my payment had returned and to call them back to avoid late fees on the account. They gave their hours of operation and ended the phone call. She called from phone number XXXX.
I have submitted a claim regarding Wells Fargo Mortgage department, committing many illegal acts on behalf of my mortgage. Including the fact they are acting illegally regarding dual tracking on my mortgage. Wells Fargo was in the process of a modification on my loan at the same time they are trying to foreclose on my mortgage. I was assured by Wells Fargo 's presidential office that rental/ contributor income could be used. Then was denied a repayment/ modification being told the opposite.

Wells Fargo has continuously lost documents including my quit claim sent to them a number of times, delaying and causing me to have a decision on a modification postponed numerous times over the past few years. Modification trial payments were made and all documents were sent in again and again and again upon request from Wells Fargo because they continued to lose documents. Wells Fargo sent me final documents with wrong information on the documents and did not follow guidelines per the quit claim. Wells Fargo assured me they would resend corrected document. I never received corrected documents. Wells Fargo has escalated to foreclosure on my mortgage.

I am able to catch up my mortgage in a reasonable repayment modification to keep my home of which I have lived in for the past 10 years with my small children. Falling behind only due to major unexpected XXXX. I am currently back to work full time. I have tried many attempts to make payments Wells Fargo refuses to take.
I was contacted from a person saying he was from Ocwen Mortgage used their XXXX number, claims to be a manager from the modification dept. Promises a modification to whatever amount we could afford ( since we are behind on payments ), and lures is to send through money gram {$1000.00} with an hour to an attorney to start the process. His name is XXXX XXXX continues to call from the XXXX number that belongs to Ocwen and also his own personal number that he told me to call. Continues to request more money! He is harassing me and threatening to foreclose. No one from Ocwen knows who he is they have started an investigation but I 'm still behind on paymentsand after trusting this person saying he was from Ocwen I can not make the payment. I need Ocwen to assume responsibility for this and return the money this person took from me and execute an honest modification.
Bank of America is holding an XXXX paycheck for more than 10 days simply for processing. There is no question of the validity of the check, its source or any account disputes that need to be resolved. They are simply holding the money that I earned hostage and now I am not able to buy XXXX for my family. These banking procedures are antiquated and preposterous. I will pull all of my money out of the U.S. banking system and keep everything in cash because I am so tired of my money not being available to me when I need it. BoA has the same procedures that many other financial institutions do and I have completely lost faith in the system. I want to be able to use my money when I receive it.
XXXX XXXX XXXX and Simons Agency fail to valaidate a alleged debt owne for medical
I was notified of negative activity in my credit report In XXXX XXXX by my financial institution. Upon investigating I realized XXXX XXXX XXXX had reported late payment on a credit card held with this company. I had not used this credit card since paying off my debt of {$1600.00} in XXXX. I called XXXX Fraud department to inquire why and what I was reported for. I was transferred to customer service and was told that the card had been used to make a purchase of {$4.00} at a XXXX on XXXX/XXXX/XXXX. I explained that I had not used this card and was not aware of this purchase. I was told to submit a written statement regarding this incident. A written report along with the required documents was faxed to XXXX XXXX XXXX. I was told they would investigate and send me a report on their decision. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had updated my credit report with the credit reporting agencies : XXXX, Experian and XXXX " to read as a current account with a balance of {$0.00}. 
XXXX XXXX XXXX did not clear my name for the late payments reported to the credit reporting agencies and this significantly dropped my credit scores. I have since attempted to get them to do this so my previous " Excellent and Good '' credit report status could be reinstated. I was told with time I can rebuild my credit report. I did not destroy my credit report, I have worked hard to build and sustain my credit report and would like for this company to report that I was not responsible for the late payments since I did not use this credit card. A zero balance report did not address the fact that I did not use the credit card and was not responsible for the late reports submitted to the credit agencies. I have not made any payments to XXXX XXXX XXXX, by reporting a zero balance it suggest to the credit reporting bureaus that I was in fact responsible for this transaction and guilty of a late payment which has since been settled to a zero balance. Due to the incompetency of this organization my credit score has been adversely affected. I am kindly soliciting this organization assistance in reinstating my good name which I have worked very hard to maintain. Thanks for your support in this endeavor.
I was really shocked when looking at my credit report and found a late payment on the following date : XX/XX/2018 I don't even know how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I have a medical collection posted on my credit report from Commonwealth Financial Systems ( CFS ). The debt is not mine. I have contacted CFS to verify the debt. I requested to be provided with a proof that this debt belongs to me, as any accounts I might have had are obsolete. They did not provide me with any document or evidence that this debt is mine. Under HIPAA privacy laws CFS should not have any of my personal medical information, unless they have a " written '' agreement with the original creditor to collect debt on their behalf. I have called CFS several times and I have send certified letter requesting to cease and deceit from reporting incorrect and false information to the credit report agency. CFS have not responded to any letters I have send to them. Commonwealth Financial Systems continues to report false information on my credit report.