WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, so what happened was that I had an account with XXXX XXXX XXXX for Phone, cable and Internet. During the first month of the account, we learned we were being charged for 2-3 extra phone lines which increased our bill dramatically. After complaining about this issue ( and still paying so our service did n't go out ), they did not fix the issue and it persisted. At the start of the second month, my account went into fraud and my account was shut down, this is because the 2-3 extra phone lines that they added on my account were not being used ( for obvious reasons ) and if a phone line/sim is not used for a certain time, your account goes to fraud. I then had to prove to them that I was not committing fraud. They eventually solved the issue but could not renew my account as once it goes to fraud, it can not be opened. My services such as internet, cable and phone were all shut off and I had to go to a public library to even call them and try to resolve the issue. I then talked to someone via online chat box and after much deliberation they attempted to solve the issue and only have me pay what I owed that month which was about {$95.00}. I did pay and it was resolved only for a few days and then the whole account was suspended again due to non payment, this time the payment was well over {$1500.00} as when the account went into fraud, the payment plans I had on my phones were cancelled and they attempted to charge me for 2 brand new phones even though it was supposed to be only one new phone. I do have a copy of a transcript of the conversation I had with the agent and I do have the case # with XXXX in which I tried to solve. I refused to pay this as not only were they over charging me, they were n't even giving me service and charging me for things that were not even there. They would not help me over the phone after I tried multiple times and it came to the point where I had to leave and just find another provided. I refused to pay this amount and I told them why, but they just sent it to collections and thus my credit has been held hostage since. XXXX XXXX # : XXXX
On XXXX XXXX, XXXX, I order XXXX Vitamins via their website and selected " Rush Trial ''. After which the website added several additional products, XXXX and XXXX XXXX, to the order that I did not intend to order nor did I want. I immediately called the number listed on the website and cancelled the entire order. The customer service representative assured me the order was cancelled. However, I received a shipment of items from the company via mail. I refused the shipment and it was returned to the original sender. I was never issued credit for the XXXX items. I then filed a dispute case with my credit card issuer. The card issuer, US Banc Corp, issued provisional credit on XXXX/XXXX/XXXX. However on XXXX/XXXX/XXXX, the provisional credit was reversed and they indicated that the shipment was never returned nor was it cancelled. The history of the tracking number clearly indicates that the original sender received the item back and that the items were indeed refused.
In XXXX XXXX I visited an XXXX XXXX Store, and was asked if I would like to get a store credit card. At the time I had no credit, and I asked if this would impact my chances, the clerk replied that that would not be taken in to consideration, and I would most likely get the card. I later learned this was not the case, and the false information created a preventable inquiry on my account.
I have my Federal student loans serviced through Navient, who requires an annual income recertification to remain in an income-based repayment plan. I resubmitted my documentation in XXXX, yet the lender allowed my plan to expire on XXXX XXXX, which tripled the payment. I contacted Navient, whose representative stated that " they did n't know why my certification was not processed, '' but they did offer to put a forbearance on the account for two months to give time for me to submit a new request to update my plan or reenter my old income based repayment. This will add thousands of dollars of additional interest to the principal. This also happened in XXXX, where I was led to pay {$1400.00} to settle the elevated payment so I could remain current and avoid disqualifying myself for the public sector loan forgiveness program.
Hello. Even though these accounts were hacked by my brother, I paid them to have my credit history cleared. Attached are the receipts. Please help me to clear my credit history. I ca n't even open a bank account and I have never done anything wrong. Thank you.
I am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I have never had an account with XXXX XXXX. Please remove from my credit report as this is inaccurate information. Not to mention, I have sent XXXX XXXX a request to validate the account from XXXXXXXX XXXX XXXXXXXX, showing a printout of the bill however they have been unable to do this. The only thing they provided was a response that they have verified the item, however they've failed to show me how. I have paid XXXXXXXX XXXX  XXXX off shortly after my wedding which means that the balance on the account is incorrect. There should be no balance, therefore no collection account. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, nor did they send the copy of the bill that added up to the charges in their claim, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. I will not pursue escalation of the matter upon removal of this erroneous account. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
Hello, I 've made repeated attempts to contact Capital One regarding the overbearing amount charged in interest on my credit card. It is currently at 24.99 %. So, if I make a monthly payment of {$200.00}, the amount of interest charged is {$100.00}. I 've asked, both on the phone and in writing, to have my interest lowered as Capital One is contributing to the balance owed. They said it could n't be done. I 've asked for supervisors to speak to. They 've told me that they ca n't " just go and lower the interest because I ask ''. It does n't follow their protocol. I 've also asked for a detailed analysis of the account as to what old balances are remaining compared to new, assuming that when a payment is made, it 's applied to the oldest balance first, XXXX. I believe that the customer service folks at Capital One have no idea what XXXX is, as they would go back to the previous statement and see if there were product charges, then the next, and the next, which is not what I 'm asking for. I 'm looking for a report showing where and how my monthly payments are being applied, of whatever remains after they snatch interest away. 
This appears to me to be legalized loansharking, and someone needs to put a stop to this. Their idea of a late payment is XXXX made on the day which the payment is due after XXXX XXXX. Is n't the payment, by law, supposed to be processed on the date it 's made? They ca n't " update their system '' after XXXX on weekdays?
I ran my credit report XXXX 2017 as I am attempting to purchase a home ... I saw XXXX XXXX XXXX on my credit report. I contacted Capital One, I attempted to have it removed, they claimed that it was valid so I contacted the collections agency, I advised the agency that I needed it removed and cleared from my report, they promised it would be removed once I paid so I paid it but it still remains on my report, the balance is now XXXX but Capital One still shows under the collection tab with a XXXX balance. I need this removed from my report.
I have a credit card with Bank of America for more than five years ago, when I started to use the card, my minimum payment was approximately {$80.00} now, every time that I used the credit card, the rate increased, and the minimum payment too. 
In the month of XXXX, my mother-in-law died, days before payment due, and I was late in the payment just for 4 days, but anyway I made a payment for {$320.00}. 
now I get the receipt with a minimum payment of {$460.00}. 
For me this payment is extremely difficult to meet, I think the Bank is violating the laws to increase minimum payments and interest without informing the customer. 
Could you please intervene to adjust the monthly payment to me as I had at first time
Still on credit report as delinquent. Please help me remove it, thank you thank you.
I asked Tranunion to conduct an investigation on six accounts where I believed there to be inaccurate information. They conducted their investigation and all of the information came back as verified. They did a horrible job investigating whether the information was correct or not. After they conducted the investigation and said everything was verified. I looked back over my credit report and all of the inaccurate items were still on the report. I recently sent documents to dispute the validity of these accounts on XX/XX/18-XXXX XXXX and XXXX XXXX. The other four accounts were disputed within the previous year. Also, the XXXX XXXX and XXXX XXXX account have not been updated about being in dispute. This has gone over the thirty-day mark that they must say on the report that these items are in dispute. I am very unhappy with this situation because I asked them to do an investigation which they are legally required to do, and they said they did it and everything was verified, but somehow none of the inaccurate items were taken off. They did not do an investigation into my inquiry at all. It looks as if they just sent me a letter back saying it was verified. They are violating 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. There is inaccurate information on these accounts, and they were not taken off after a thirty day period.
I have no idea which company represent never received a bill from previous company just find out when I pull up my credit that I have a debt of {$650.00} with a collection Agency without knowing the name of the previous company.
I have tried to get information on my loans from when I first took out my first student loan ( in 1985 ) through today. I would like to see a complete accounting that has led me to owe almost {$10000.00} still even though I borrowed less that {$50000.00} and have paid for years and years. Navient merely tells me that they have no paperwork before they took over the loan. I feel I've fallen into a black hole where I send them {$720.00} a month ( going up to over {$1200.00} a month in XXXX ) and never ever see a reduction in what I owe. 

Can someone help me? 

Thanks, XXXX XXXX
I would Like to File a complaint on behave of Experian. I was reviewing my Experian credit report and came across the length of credit History you are reporting 4 Years of credit History How could that be Possible? You are reporting a XXXX account XX/XX/XXXX on my report and a kohl card was open in XX/XX/XXXX and I do n't believe they are reflecting on my score so could you look into that
I was doing fine until ... .. 
I have a 4.875 % and put in the application for a home mod thru Nationstar Mort Co. 
They told me I would have to go thru a FHA trial period for 4 months. They dropped my payment {$80.00}. After about 4 months they then told me I would be on a 4 % so that was bringing me down .875 %. I told them to cancel. I then made my regular payments. They sent me a check for {$300.00} and I called and was told that it was escrow money. I cashed it. About 3 weeks later I received a check for {$1700.00} and I told the wife that escrow must have been way over. so I cashed it. Now I am a month behind and they are charging me a late charge. I can not refinance or do anything until I make a double payment including late charges that are building up each month. I spent hours on the phone finally getting to the person that is capable of making decisions and they said they would call me with a decision. They did not call or respond in any way. If anyone has anything to do with Nationstar Mort Co. " Please beware ''
On or about XX/XX/2018 I requested Equifax to remove a previous address that was I no longer lived at that was exposed during Equifax data breach. I received the results of the above dispute and Equifax successfully deleted the previous address from my credit report. 

That same day I tried to submit another dispute but received an error stating that my personal information couldn't be verified and to send in additional documents to verify my identity. I did so by mail sending Equifax a copy of my ( Driver 's license, social security card, utility bill for my current address along with a additional document with my previous address. 

On or about XX/XX/XXXX I checked my Equifax credit report and noticed that Equifax had reinserted the previous address which had been previously deleted. That same day I submitted a request to have it removed again via a customer service representative via phone. 

On or about XX/XX/2018 I received a dispute completed email regarding the removal of my previous address. The results stated that the address couldn't be removed due to previous documents I sent to Equifax previously!
My student loans were in default status due to intermittent unemployment and persistent underemployment. Therefore, I entered into the Loan Rehabilitation Program with XXXX XXXX XXXX on XX/XX/XXXX. The Repayment Agreement was signed and submitted to XXXX XXXX XXXX via email on Friday, XX/XX/XXXX and Thursday, XX/XX/XXXX. The Repayment Agreement states that I was supposed to make at least nine ( 9 ) monthly payments of {$5.00} each month. I have made and XXXX XXXX XXXX/XXXX XXXX XXXX has processed ten ( 10 ) payments, which was more than agreed. However, XXXX XXXX XXXX./XXXX XXXX XXXX   has neglected to provide this accurate information to all three ( 3 ) credit bureaus. I have complied with all requirements regarding timely paperwork and payment submissions. However, the incorrect repayment reporting to all three ( 3 ) credit bureaus continues to adversely affect not only my credit score, but also my attempt to secure credit. 

I have submitted all requested payments before or within the payment timeframe. The following payments, in the amount of {$5.00} each, have been submitted to date : No. Payment Date Payment Type Comment 1 XX/XX/XXXX Payment Card Submitted on XXXX website 2 XX/XX/XXXX Payment Card Submitted on XXXX website XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX
I pulled my credit report and at that time i noticed that this company is reporting debt that I do not believe to be mine or that is too old to be reported. I contacted the company and the credit reporting agency yo have the information validated. I have received no communications from creditor regarding account. They are reporting negative information on my credit report which does not belong.
XX/XX/XXXX ( points before ) XXXX ( Points after ) XXXX ( Amount taken out ) 38 pts We found 1 change to your XXXX  credit report. 
Accounts Removed XXXX XXXX XXXX/XXXX  XXXX Account Removed From Report I have no had a student loan for over 5 years and this was paid off. This has came out of my account more then 4 times and has greatly impacted my score. i have worked 2 solid years working to rebuild my credit however this dep of education has been removed 3 seperate occasions and dropped my score over 70 points. This needs to be resolved ASAP
Equifax allowed a breach to come to light as of XXXX/XXXX/2017. There is also evidence that they have already known about this for months, in addition to several high level managers selling stock just before the official announcement. Their actions this point seem to have only been to help themselves and leave the public in the lurch. Their resolution has people sign up for a " free '' service that binds people to an arbitration clause, and most likely starts charging them for the service after their free year is concluded.
My credit scores have been affected by the derogatory information on my credit file by several creditors. I have never given the creditor permission to report any information to my credit report, the information reported is not updated correctly, and according to the Fair Credit Reporting Acts Section 609 ( a ) ( 1 ) ( a ) I've asked for my original creditors agreement showing my original signature. XXXX has complied but XXXX XXXX and Experian has not followed the laws.
Diversified Consultants Inc has reported on multiple credit reports that I opened an account with them on XX/XX/2017. I have NEVER OPENED AN ACCOUNT with Diversified Consultants Inc. I have never had any contractual relationship or dealings with DCI.
Please remove these fraudulent accounts, I didn't open these, nor did I benefit in anyway from them. I'm not sure how these accounts were opened. I did receive mail at previous addresses but now I've prevented that. I also received notice from XXXX in 2017 that my information was exposed in the breach. I've mailed in letters before but didn't send them certified, so when I called Experian and XXXX  the reps who were from outside of the USA had no idea of what documents I was refereeing to. See attached.
" Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 
PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Trans Union is reporting negative information from XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX   XXXX XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP.

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
there are XXXX debt that are not inmy name that are reporting on my credit. im trying to buy a home wiithin the next 30 days this should not be on my account in im reaching out for help to have it removed
I tried cancelling Transunion account, but they are still charging my account. Also, online it says the only way to cancel with Transunion is to call them, but I have XXXX XXXX and can not do this.
I have requested number of times that they produce proper documentation and all Im told is just pay. I have also asked for an investigation and it is not being complied with under the fcca.
XXXX XXXX has a fraudulent account listed against my credit file with the credit bureaus. The account they have listed against me was opened as a result of identity theft, where my correct personal information was used to open a utility account in my name fraudulently. This account is however not under my social security number, yet it is still listed on my credit file. I have contacted XXXX XXXX to make them aware that this was a fraudulent account and was yelled and screamed at by one of their agents, and they refused to remove the account from my credit files. I have never done business with XXXX XXXX, the person who placed this account with Convergent, nor have I done business with XXXX XXXX. This account is 100 % fraudulent and Convergent has refused to cooperate in having this fraudulent account removed from my credit file and continue to attempt to collect on a debt they have been made keenly aware is fraudulent.
On XX/XX/XXXX I requested online my free credit report from Transunion and was charged {$19.00} for a report that is, by law, supposed to be free. I want my money back. I am not able to get a hold of any service representatives on their Customer Support services. There is no way of actually talking to a human being.
I am a Veteran that served twice in the XXXX during the XXXX XXXX. These are medical collection that is old and was sold to another collection company and they are still trying to collect {$47.00} & {$1600.00} - which is the balance they show. They've constantly harassed me and I am trying to refinance my current VA mortgage and because of these collections it brings my credit below and I can not do my refinance. 

My VA benefits have already paid for these bills but none of the collection departments updated it and it kept accumulating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX GRANT MERCANTILE AGENC XXXX XXXX XXXX, XXXX, CA XXXX XXXX CMRE. XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$1500.00} XXXX {$1600.00} XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX GRANT MERCANTILE AGE XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$47.00} COLL {$47.00} XXXX - {$47.00} - - - XXXX XXXX XXXX
I open an account with XXXX with medical protection however, I was not able to pay because of medical issues. After a period of time I paid off the account in full thinking I was covered from bad credit reporting however, I was told my account was sold as a bad debit. I disputed the account with Equifax because it stated that I was charge off XXXX balance however, in my dispute I request that they change the reporting to paid charge off! they refused. I do try to pay all my bills even charge off ones. This is causing me points on my credit score for no good reasons. I personally believe they sold my account to keep from paying for medical protection.
After receiving several harassing phone calls from XXXX XXXX XXXX I sent them a debt validation letter on XX/XX/XXXX. I received a letter back from them ( attached ) dated XX/XX/XXXX. The letter simply states who the debt is to - not XXXX XXXX XXXX - and they included a one page copy of a billing statement dated XX/XX/XXXX. This is not validation of debt and quite frankly is ridiculous to send.