WillisBack/dataset-financial-user-claim huggingface dataset:
I had a student loan with Navient with the original balance in XX/XX/XXXX showing as XXXX. I received a letter that same date from XXXX, XXXX, and XXXX stating that they would be drafting {$60.00} from my account to begin repayment on this debt and were assuming the debt from Navient. From XX/XX/XXXX till XXXX of XXXX I consistently paid to the aforementioned debtor in an effort to satisfy this debt. I later found out that this payment was not being credited towards the loan from Navient and Navient stated they showed no record of having sent this loan to an outside party. During this time, I received several late payment reporting on my credit report which significantly impacted my ratings. Additionally, my credit report currently shows a past due charged off balance of {$3700.00} and the account is closed and has reopened with a new account balance of {$9200.00}. I would request that the late payment history be removed from any existing opened and closed reported accounts associated with Navient and that the account be updated to reflect a current payment status with no past due/charge off balances.
I have a problem with Chase.I submitted my complaint before that our mortgage monthly payment is about {$2700.00} and changed. Our interest has been 8.25 since with refinance by chase. We were told that after refinance mortgage our interest will be reduce after two years but that never happened. We almost lost our house about 3 years ago, but we did get help from homes saver. Despite that our home mortgage payment still high requested for payment reduction chase refused to help. Now we are 4 months behind we called chase submitted paper work we are still waiting no answer from Chase. I am still on unemployment list. Please help us.
About three weeks ago ( or so ) I got a call from a number I didn't recognize. The man mispronounced my last name, which is common. I said, " this is XXXX '' to make it easier. My voice is actually kind of high, and he thought I was a child. He asked if I was " of age '' and I said I was. He then said it was about the XX/XX/2016 accident. I immediately said I haven't been in any accidents. He said I was " in the screen. '' I replied that I do n't drive, don't have a license and was not involved in any accidents. He told me there was an outstanding {$1000.00} ( approx, don't remember exact amount he stated ), and was trying to find a man, whom he named. I didn't know the name. He then asked to verify my address and I said no and hung up. 

Today, I got a letter from XXXX XXXX of Thomas George Associates , LTD in NY. The letter stated that the company had repeatedly tried to contact me and I had ignored them. This is the first time I have ever heard of this company. The letter goes on to state that I owe {$1400.00} based on a XXXX XXXX claim, but the ( claim number belongs to XXXX XXXX ). I have 30 days to dispute it then they send details and a judgment. The letter does not state what it is I am supposedly indebted for, or provide any details whatsoever. 

The letter has my last name very misspelled and my address contains part of my old address, so is slightly incorrect. 

I don't know if the letter and phone call are connected, but it feels like a pattern, or the start of one. 

I don't owe anybody any money and I was not involved in any accidents. No insurance company has tried to reach me about anything I would owe, and I can't imagine any reason I would owe anything. 

I called XXXX XXXX a few minutes ago and left a voicemail telling him I owe nothing and know nothing about this and that any further contact would be considered harassment. 

I am actually afraid this is going to be a huge problem and I am baffled how this came to me. I don't know what to do. I am afraid to contact that company again. 

Thank you for your kind assistance.
Greetings, I opened my first credit card with Capitalone in XXXX. They closed my credit card in XXXX without any clarifications. With 100s call and emails, they recommended me to open a new credit card. I opened my new credit card in XX/XX/XXXX and they closed that within a few weeks. They keep sending me many promotional offers. Again, I opened my new credit card in XX/XX/XXXX, and they again closed my credit. Capital one is ruining my credit score. I do not understand why they closing my credit card. Why they send me promotions if they want to close it. I want justification. I need an exact reason. In my entire life, I never did any late payments. My credit score is excellent ( more than 750 ). I have no bad credit history. No one can find even a single instance which is linked to my bad credit history. I want exact clarification. Why capitalone keep closing my credit card. I also want Capital one to provide the member benefits which was part of the card during my credit card opening. I opened this credit card because they sent me promotional.
Companies : XXXX, XXXX, and TransUnion Dates : XXXX 2017 Following the XXXX data breach, I have attempted to freeze my credit with all three agencies. I have run into broken websites that ca n't verify my identity, long hold times, and hangups on their customer service times. 

But more importantly, I did not CHOOSE to be a customer of theirs, and yet in order to put a security freeze on my credit, I must PAY THEM. This is extortion. This service should be opt-in. When someone opens a bank account, credit card, or loan for the first time, they should be able to opt-in to this service and opt-out at any time. 

Americans are clearly not the customer, they are the product being sold. And yet somehow also we must pay for it.
I sent XXXX a letter of dispute regarding XXXX public records XXXX XXXX XXXX XXXX. Transunion and XXXX both reported that this information was furnished to them by XXXX, which is a third party vendor. I advised Transunion and XXXX that this is a direct violation of the Fair Credit Reporting Act. I sent a certified letter of dispute to XXXX on XXXX and they signed for the letter on XXXX. I have the actual letter attached to this as proof with no contact from XXXX and it has been more than 30 days. The Tax Liens are {$990.00} and {$1000.00}. I also made contact with Oklahoma XXXX XXXX and they verified that XXXX was never given this information by them. As a result of this, XXXX reported this information to Transunion and XXXX without the consent of the court.In return, this is inaccurate information and the process thereof.
Bureau is refusing to remove inquiries that were obtained without my permission. I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair reporting. 

XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
After sending at least 3 or more letters to this credit bureau. I have send Equifax several letters regarding inquires that were not appointed by me. Regarding the following companies : ( 1 ) .-XXXX XXXX-XX/XX/2018 ( 2 ) .-XXXX XXXX-XX/XX/2018 - ( 3 ) CXXXX XXXX-XX/XX/2018. The last letter send certified with tracking number XXXX   XXXX XXXX XXXX XXXX in which was received on XX/XX/2018 by Equifax and they have ignored my letter. These inquires were not appointed by me. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please note that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these companies bearing my signature. I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.
I have a XXXX credit cards with credit score report AND IT CLAIMS I HAVE A CREDIT INQUIRY IN THE LAST 3 MONTHs this is untrue XXXX XXXX XXXX XXXX
Equifax keeps placing unauthorized information on my credit report. A few weeks ago I had to file another CFPB complaint because Equifax refused to correct their errors.     In response to that recent CFPB complaint Equifax sent me a copy of my credit report that shows : ALERT  ( S )  : File Blocked For Promotional Purposes However on  XXXX / XXXX /  XXXX    XXXX  I visited outoutprescreen.com and elected to opt IN to be able to receive preapproved credit and insurance offers.     Furthermore I do not recall ever seeing this message on my Equifax credit report, therefore it is something they have recently added.
EQUIFAXXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
I requested to have the XXXX XXXX XXXX trade removed from all CRAs. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I have received no documentation with my signature that this is my account. Violates my rights under FCRA. Please remove this fraudulent trade from all CRAs.
XXXX   2016  my credit was pulled  XXXX  by a rep for  XXXX   XXXX   XXXX  without my knowledge. The  manager said t hey disclosed it to me but they did not. I do not understand why they lied to me and how they can get away with placing  XXXX  hard inquiries on my credit file. They also lied and said they offered me payment protection, but they did not. I do not understand why they will not tell the truth. Do you think I will waste all this time and go to this extent if they did their due diligence and I was informed of this? As soon as I found out I IMMEDIATELY requested them to stop sending me prescreen offers because I will not open any credit products with them for at least some years if ever again. It is the principle that I was not informed prior of  XXXX  hard inquiries which is a terrible business practice in itself. I do not understand why they pull my credit to open a savings which they require and then again in the same sitting for the vehicle loan which is why I came there.
I had paid off the full balance of my XXXX  Mastercard issued through US Bank after calling and asking them for the payoff amount. I proceeded to pay the payoff amount and assumed that my card was fully paid off because the representative had told me that was all I needed to do. Months later I was sent a letter that my account would go to collections soon if I did not pay the balance. I was never warned before this that the payoff amount was not correct and received no contact until I found out my account was over 30 days late. By this point I paid immediately and tried to contact US Bank but they never answered the phone any of the times I called the consumer affairs department. After this I got an alert that they had reported my credit card as 30 days late to the bureaus and this seriously impacted my credit score.
THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN XXXX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH XXXX, XXXX AND TRANSUNION. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
CapitalOne 360 Bank put a hold on my checking account. I received threatening email that my account would be closed if I do n't call. i had to call security department to get hold lifted, but security dept did not answer my phone call, despite repeated attempts and call transfers from supervisors. Security then called me from number that did not specify the bank 's name, and the operator had heavy XXXX accent, and would not forward me to supervisor despite repeated requests. I am on phone with the bank for over 3 hours and still no resolution. MY CHECKING ACCOUNT IS ON HOLD, and I can not get access to my money. This is taking advantage of me as XXXX. I have been actively trying to get someone to help me, but all my calls get transferred back to the phone que and no one answers.
To Whom It May Concern, I have recently noticed a collections account on my credit report that is inaccurate and does not belong to me. Also, the collection agency pertaining to this account is Enhanced Recovery Corporation and they are not licensed to collect debt in my state, which is Tennessee. According to Tennessee state law, any company attempting to collect any type of debt, REQUIRES a license. I would like this account removed from my credit reports effective immediately! 
Thank you in advance!
When my student loan was transferred from XXXX to Fedloan Servicing in 2012, Fedloan refused to honor a year 's worth of payments I made toward public service loan forgiveness because XXXX had me on an incorrect repayment plan. Yet, XXXX acknowledged their error in writing and agreed to count my payments prior to transferring the loan. XXXX also informed me that my qualifying payments should have been accepted upon transfer. Still Fedloan refuses to accept them. 
I have sent Fedloan the letter from XXXX XXXX, but they refuse to acknowledge the payments. In addition, I have contacted the Department of Education Ombudsman 's Office with the same outcome. 
How is this legal? XXXX admitted they made a mistake, agreed to honor my payments IN WRITING ( in fact, they were even honoring more than I expected ... I really only expected them to honor my {$500.00} payments and not forebearance payments, which they also honored as qualifying payments ), and yet Fedloan refuses to allow the payments to count. 
I have been told there are about XXXX of us that this happened to - put on wrong plan by XXXX, who admitted mistake and agreed to accept wrong plan payments, only to have Fedloan deny them upon loan transfer. You can find others with similar stories on the internet, such as the following site where I once posted : XXXX I am attaching all correspondence with XXXX XXXX and Fedloan Servicing ( in order from earliest to most recent ). I also have recordings of conversations with Direct Loans stating all payments should have been transferred and accepted by Fedloan Servicing. 
Your assistance would be greatly appreciated. Without help, Fedloan will succeed in denying me over {$5000.00} in payments that XXXX XXXX accepted. Not to mention, Fedloan is denying an additional {$370.00} payment because they claim I paid it too early. Seriously? And there are countless others like me.
I filled for bankruptcy chapter XXXX case number XXXX back in XXXX of XXXX and the bankruptcy was XXXX in XXXX. I included all of my debts which included a XXXX credit card which I had take out when I was in college, and when the bankruptcy was filed the outstanding balance was XXXX and the debt was included in the list of creditors and was added. While I still in the active bankruptcy Calvary portfolio service called to collect on the debt in XXXX XXXX and I explained that the debt was included in my bankruptcy and the bankruptcy case was still active. I provided my case number and attorneys phone number as well. Then after the bankruptcy was discharged they called once more to collect and provided the same information and did explain that attempting to collect on the debt that was discharged and included in my bankruptcy was not lawful. They have not called me since the last conversation regarding the debt but on XXXX, I was reviewing my credit report and Calvary portfolio service is reporting the debt as open and delinquent. Instead of reporting the debt as a discharged debt in the bankruptcy like the other creditors they have been reporting negatively on my report. All of my other debts have been paid on time and whats negatively impacting my credit after the bankruptcy is this reporting. I require assistance with this collection company which has been advised twice and have spoken to my bankruptcy attorney about the veracity of the discharge, they continue to do harm to my character and my credit. From the credit report it has the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Phone number XXXX, original creditor XXXX, the report shows that they will keep it on record until XXXX. Account number Calvary has is XXXX, date opened with Calvary XXXX. My phone is XXXX.
I contacted XXXX XXXX XXXXXXXX several times, in person, over the phone and through email for almost year starting XX/XX/XXXX. This company refused to fix the error made on my credit report. Despite this company admitting their errors ( please see attached documents ), the refused to remove the item from my credit report. They have damaged and still is damaging my credit causing me to lose a lot of opportunities. I have filed a complaint with CFPB before Complaint ID : XXXX and through BBB ( complaint ID : XXXX ), but this is to no avail. This is my last effort to fix this issue and I am attaching a copy of my XXXX which I am ready to file if this company still refuses to fix their errors on my credit file. Please see all attached documents that I will use as proof of this company 's negligent actions.
I have never had service with XXXX XXXX XXXX, I asked for a letter showing proof that it was mine and have yet to receive it. Also, when I give them my social there's no record of it. I haven't gotten any collection letters or debt validation and now its on my credit
Hi My daughter was given an American Express gift card for her XXXX XXXX. It was for XXXX dollars. We cracked open the sealed envelope that it came in and went online to register it. We see that the balance is only XXXX because someone used the number at a health store. I called amex to explain that the charge is not ours and can't be ours because we never revealed the numbers until today. So it seems that people have found a way to input random numbers and use amex gift cards fraudulantly. I called amex and they said the policy is that they will not take any action and it is our problem, not theirs. I spoke to a supervisor and she said the same thing. So basically, you walk into XXXX and purchase a sealed amex gift card. You go to use it and if someone punches in gift card numbers randomly and get approvals, you loose the money. I believe that is even against the federal law.
The agent, XXXX XXXX, in dealing with my refinance had greed and confirmed with me several times over, that if I came to closing with {$1700.00} on XXXX XXXX, 2016, I would be able to skip the XXXX XXXX, 2016 payment. I came to closing with the amount requested. I received a statement for the XXXX mortgage payment due. I was also told each time we spoke the conversation may be recorded. I spoke with a supervisor, XXXX to try to get this changed or compensation for this. I was told it was too bad because the loan was closed. I had counted on this {$1800.00} to make an imperative repair on my home. The work was done in XXXX and {$2000.00} due on XXXX XXXX. I would request Carrington postpone this payment to the end of the loan, in order to make good on the verbal agreement that XXXX XXXX made. It seems to me that since he is and inside loan officer, he should know, beyond a shadow of a doubt, when the first payment is due. As an agent of Carrington, the management should backup the verbal agreement made by this agent. I feel this is a customer service issue and financial bind I have been put in, is unreasonable. The extremely tight budget that I am on to make good on this debt for the critical repair on my home, is causing me extreme distress XXXX.
XX/XX/XXXX XX/XX/XXXX Cardinal Financial processed our close of impound account request. 
XX/XX/XXXX Cardinal Financial issued a refund check for {$1200.00}. 
During our move we misplaced this check. 
On XX/XX/XXXX I found the missing check.
On XX/XX/XXXX I called Cardinal Financial and they requested that I send them the check back to Cardinal Financial and they would send a replacement check. 
Each month starting in XX/XX/XXXX I have called to find out why I have not recieved the replacement check. Every time I get the same answer " I do n't know what happened. I will issue you a new check today. It will be in the mail by tomarrow. The replacement check has yet to arrive.
On XXXX XXXX, XXXX I was sued by XXXX XXXX XXXX for the amount of XXXX from a company called XXXX. The bank holder for that company is " The XXXX XXXX XXXX XXXX XXXX ''. For a debt that I did not owe and never owned. I proved in court that I was a victim of identity theft. The account was opened in XXXX XXXX, XXXX and I filed a police report on XXXX XXXX, XXXX. The case was dismissed on XXXX XXXX, XXXX. Well XXXX XXXX XXXX never took this debt off my credit report. Instead they sold it months later to a company called Resurgent Capital Services. And Resurgent Capital Services has repeatedly called my home and threatened me with lawsuits, judgements and said that they will continue to contact me, and keep this bill in collections until paid. Resurgent Capital Services also stated that the information that I sent them was not sufficient enough. I have sent them court dismissal documents from the last time XXXX XXXX XXXX took me to court, police reports stating that I was a victim of forgery and counterfeiting ring in XXXX, Texas. I even listed some of the items that was stolen out of my home but Resurgent Capital Services says the documents that I sent is still not enough. I have been dealing with these two debt collectors coming up on 2 years they have kept this debt that they claim that I owe in collections for almost 2 years. And have ruined my credit, I have tried in so many ways to resolve this and I 'm frustrated please help me if you can with this situation. I have listed the companies involved in this complaint please get back in touch with me. 

XXXX XXXX, XXXX. Resurgent Capital Services L.P . 
XXXX XXXX, XXXX. Attention : Correspondence Dept. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CO. XXXX XXXX, SC. XXXX Thanks in Advance,
I spoke with this company MULTIPLE times where I was dealing with XXXX Directly. XXXX has informed me multiple times that we are handling this together. And this company keeps calling me and telling me I need to pay them. And they give all information over the phone, they even told my sister my social security number over the phone. REALLY!?!? That is not professional, what if she didnt even know me. They have NO BUSINESS putting this on my credit report as I am not doing business with them NOR do I owe them ANY MONEY!!!!!!!!!!!!!!!!!