WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to pay Navient by credit card today by phone. I did this last month. This time they told me that they were no longer accepting credit cards. They said that they informed me of this new change, but they did n't. They tried to get me to pay out of a checking account, but I do n't have it. Now, I have yo try to get a cash advance on my credit card st a much higher rate. That 's the only way I can get XXXX dollars in a day. I think they 're trying to force me to be late, so they can charge higher rates. They failed to correct my address four times in the past to do this.
Collection on credit report I have no knowledge of agency. Never heard of. Tried to remove from credit report and asked to sign up credit protection programs. Always states updating dispute without any changes in status.
I have been sent multiple letters from XXXX XXXX XXXX for a supposed old XXXX phone bill. The amount is for {$540.00}. I have sent in multiple debt validation letters and the company won't validate it yet it is still on my credit report.
I have several accounts on my credit file that are reported inaccurately. I reached out to the credit reporting agencies and have n't seen any change or updated from my original disputes.
I have been a credit card customer of Capital One for the past 8-10 years and my account was always in good standing. This is also actual my only credit card. I made an online payment over the XXXX XXXX holiday that due to the holiday and week-end time frame it ended up being 1-2 days late. Suddenly with no notice Capital One raised my interest rate from 3.77 % to a 23.15 % rate. This is a 20 % rate increase. I have a good credit rating and would never pay a rate this high. I now ca n't afford the monthly payment the minimum payment jumped to almost {$600.00} per month and I ca n't afford this. I have repeatedly called Capital One and was told there is nothing they can do. I even went into their XXXX MD branch their manager XXXX was trying to help me but when he called they gave him wrong info even telling him I never had a 3.77 % rate. That is not true my statement is the proof.
I have had numerous issues with US Bank Mortgage from the start and one id the statements that have shown they have not received payment and the statements reflect NO payment when in fact they have by my bank statements, I attempted to rectify the process of them getting payment from my bank earlier to reflect payment received and after that failed I stopped the auto payment process from my checking account and received a letter from US Bank stating that if the stop auto payment was not per their requirements they would continue to draw payments from my Bank checking account. I have decided that mailing payment would be a way to see to it the payments were posted or received faster, and that has proven to fail. On XX/XX/XXXX, I mailed a payment to US Bank mortgage division with payment coupon and then after XXXX weeks and still showing of posting of or proof of payment recieved I mailed yet another payment and I called US Bank yesterday to inquire as what or why there has been no evidence of either payment on my account as of yet and there was no response from the employee and no explanation or evidence of either payment of {$1000.00}. I have received numerous letters stating what I have to do or they will do such as continue to remove funds from my bank account with out authorization and other sort of threats of what they will and can do. I spoke to them yesterday and stated from now my payment will be delivered certified or return mail receipt to prove that US Bank mortgage has received payment.
I closed a credit card account in XX/XX/XXXX. Equifax is still listing it on my credit report, even though it is 13 years past the 10-year reporting period. Equifax claims it is the last date of their update/report ( which was XX/XX/XXXX based on my dispute ). It appears from Equifax 's point of view that every time I do a dispute, it will restart the 10-year statute of limitations.
I did not have XXXX and they have put this collection ion my report regarding a collection from them.
National Credit adjusters has reported a delinquent debt of {$1500.00} on my credit report from XXXX. I have no knowledge of this account and was never informed of this being reported. I recieved zero letters about this collection, I only found out about it after checking my credit report in XXXX of XXXX. I sent a letter to the company asking for validation of this debt in XXXX of XXXX. The company never responded. It is now two years later and this remains on my report and I have no idea where this came from. This debt is not mine and I want this removed off of all my credit report immediately.
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : CREDIT MANAGEMENT Account number XXXX
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Pentagon Federal Credit Union XX/XX/2018
US BKPT CT CA XXXX XXXX, Amount {$0.00}. I have no knowledge of this public record and don't live in California. I have stated this with XXXX, Experian and XXXX.
On XX/XX/XXXX Coinbase sent me an email stating that it would be closing my account for violating its terms of service. It did not say what part of the TOS I had violated. Coinbase then froze my account, and allowed me to withdraw my cryptocurrency assets only by using a tool on the Coinbase website. However, I was unable to withdraw {$7700.00} in US currency using the online tool. The only option that the online tool gave me for withdrawing the funds was a XXXX XXXX account that I had linked to Coinbase some months ago. By XXXX, however, that XXXX account had been closed for several months. Because my Coinbase account was frozen, I was not able to use the Coinbase website to add an new bank account to receive the frozen funds. 

I pointed out this problem to Coinbase on XX/XX/XXXX, the same day that I received the account closure notice. In a phone call and email I asked Coinbase to simply return the funds to the same account from which I had wired them into Coinbase -- a XXXX XXXX XXXX XXXX XXXX account in my name. On XX/XX/XXXX I received an email reply from Coinbase customer service stating : " Ive just checked your account and can confirm that your request has been properly escalated. Once your request is cleared, well be sure to follow up. '' By XX/XX/XXXX I still had not received my funds, nor had Coinbase provided any additional explanation for the delay. I again wrote to customer service asking for an update and explanation, but to date ( XX/XX/XXXX ) have not received a reply.
My credit report is showing a collections account of {$0.00} from a SYNCB/Menswearhouse. This imformation is being incorrectly reported as the collections account has been removed from my credit report by XXXX XXXX.
Toyota Financial Services ( TFS ) calls us incessantly from various outward-bound Call Centers using FAKE Direct-Inward-Dial Numbers. Furthermore, they are calling a distant family relation at : XXXX - which they have no right to do as they are not a party to the purchase contract. I would like TFS to CEASE AND DESIST all collections activity with my distant relatives ( XXXX XXXX ) and only communicate with my wife and I directly.
Hi, I tried to make an online payment 2 days ago to my account. My online account was locked out and the company was not open until today. This caused my payment to go over 30 days late. I would like this removed from my credit report as I tried to make the payment but was unable.
I have had multiple credit accounts closed on me, despite good history and payment terms as agreed because of false an or erroneous information on both my Equifax and XXXX credit agency reporting. The adverse or negative accounts I have reported to you and a few have been removed already but not reflection in my score. 

Meanwhile my credit score took a huge dive from XXXX plus to XXXX as a result of the " false '' and.or " inaccurate '' information. XXXX XXXX has closed every single credit card I had with them that had a XXXX balance despite not one being late for failure to pay. Credit lines I do have with XXXX were reduced to exactly what I owe. THIS IS WRONG! XXXX XXXX closed me today, again I had a XXXX balance and was in good standing with them. XXXX XXXX &.
At  Wells Fargo , I continually set up autopay to transfer payments from my personal checking to the  Wells Fargo  account. However, their online statement ( response ) after setting up autopay is that it takes several months for it to be invoked. During this period, they will call you and say that your payment did n't successfully work, and that you need to manually pay along with a late fee of {$37.00}. Therefore, every month they do this.      Wells Fargo als o states that the wrong account codes were used when setting up autopay, so they purposely setup the customer to pay late fees.     My guess is that  Wells Fargo  managers ( a ) instruct their staff to charge late fees no matter what, and also have setup their IT system to create transfer errors, due to the recent loss of capital from the class action suit over bad practice in mortgage accounting.
on XX/XX/2017 I sent XXXX XXXX, experian proof of XXXX XXXX not holding and active license which make them unable to collect or to reflect any information on my credit report. I provided XXXX XXXX experian with the website and photo and it still has n't been removed. I went ahead an attached this to avoid from them saying they did n't see it.
I have filed numerous complaints against Capital One bank for stolen customer 's deposit back to XX/XX/XXXX. Most recently on XX/XX/XXXX I filed police report with XXXX Police Department to ask stolen funds to be back. As I stated before I do NOT know Theft XXXX XXXX. I never authorized her to do anything on my behalf. Attached please find police department letter and my numerous times contact with Capital One to ask stolen funds to be back plus criminal prosecution against XXXX XXXX. Capital One did NOT respond for my most recent complaint. I am asking {$45000.00} principle including 20 % interest starting XX/XX/XXXX and XX/XX/XXXX. Personal time {$5000.00}. Travel expense {$200.00}. Pain & Suffering XXXX XXXX.
I am a servicemember who was serving with the XXXX XXXX and had an auto loan open with XXXX XXXX, through the XXXX program created and operated by DFS. I received a redress check in compliance with Consent Order File No. XXXX. I was traveling for my ( then ) current job at the time the check was mailed to me, and as a result it was placed in an archive of all my mail that my parents were keeping for me while I travelled. I did not return and go through all of my mail until recently, and because of this, the check that I was sent is more than ( XXXX ) days old, and is therefore void. I have contacted both DFS and XXXX XXXX XXXX ( the company contracted by DFS to issue redress checks ), who have both told me that they can not, or will not, do anything for me. This check is almost XXXX ( XXXX ) dollars! I read the compliance order, which states that it shall be effective and honored for XXXX ( XXXX ) years, and it has not been honored with regard to my case.
Our HELOC agreement with BB & T stated " The initial Discounted ANNUAL PERCENTAGE RATE is 1.99 %. It also stated " The initial Discounted Annual Percentage Rate is in effect from the date of the Agreement through XXXX XXXX, XXXX. '' The date of our agreement is XXXX XXXX, XXXX. Yet on XXXX XXXX, XXXX, BB & T adjusted our interest rate to an APR of 2.24 %. I called a local office and was told that this was not an error. I then wrote their office in NC and received a phone message from XXXX XXXX ( sp? ) saying the same thing.
In XX/XX/XXXX received a market solicitation from Capital One that provides for a 12 month 0 % interest balance transfer. It the time my credit card balance with Capital One was {$0.00}, my credit score was north of 720, and no delinquencies with any creditor. I completed the balance transfer on-line on XX/XX/XXXX for $ XXXX. My credit line was $ XXXX. On XX/XX/XXXX - Capital One issued my statement and charged my account interest of {$110.00} and charged the transfer as a purchase with a rate of 21.65 % APR. On XX/XX/XXXX - I called Capital One and told them about the purchase error. I was told that it was a known issue with ALL balance transfers made after XX/XX/XXXX and it would be corrected in 3 business days. I called back 5 business days later because it was not fixed. I then told it was going to take 2 billing cycles to correct. I was told I would be receiving a letter explaining the error. I called again on XX/XX/XXXX and the problem is still not fixed. I explained to the agent that credit bureaus were receiving incorrect balances and understating my available credit.
I had received a bill of {$140.00} from a dermatologists in XXXX that I had paid for via my XXXX Credit card through XXXX Bank. This was my second visit with them since one that I had in XXXX. I also paid that bill of {$140.00} through my XXXX credit card. The first payment for the visit in XXXX was for {$55.00} and it was paid on XXXX/XXXX/XXXX, one month after my visit at the doctors. I received a letter on XXXX/XXXX/XXXX from Peerless Credit regarding this very debt of {$130.00} ( the full payment before interest fro the credit card ) as being unpaid as of XXXX/XXXX/XXXX ( the date of the original payment via my credit card ), and if I did not pay it, that they would release this " unpaid '' account to their attorney at the XXXX XXXX Offices. Not thinking about this sooner, I have already submitted a partial payment of {$25.00} to them on XXXX/XXXX/XXXX. it was n't until now I realized that I did pay this bill off in XXXX via the aforementioned credit card agency. Peerless Credit 's phone number is XXXX they are located at XXXX XXXX XXXX XXXX XXXX PA XXXX. I have researched this company and they have numerous complaints stating that they consistently break FDCPA laws. I have attached three screenshots of the bank statements that I have received, the first one from XXXX, the second one from XXXX, and the third one from XXXX. I am hoping for this issue to be resolved, and for my payment to be returned to me. Thank you.
I have Bank of America borrower protection plan. I 'm XXXX. Not able to pay mortgage. But the plan never triggered and now they are foreclosing. I do n't understand. The plan states it will make the payments when I 'm XXXX. Yet, they have proceeding to foreclose after sending in all claim paperwork?
When trying to pay off my loan via ACH the company refused to post that same day and instead are posting after the weekend Thus accruing an additional three days of interest on my loan. I have dealt with predatory lenders with more ethical pay off routines.
XXXX / XXXX XXXX XXXX Swiss Colony / XXXX XXXX XXXX XXXX XXXX, WIXXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, XXXX and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. XXXX removed the listing from my credit report. However it is still showing up on XXXX as XXXX XXXX and on XXXXXXXX as XXXX. I want this removed off my credit report on all three agencies immediately and also a letter from XXXX XXXX saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this. It was listed as home visions on XXXX XXXX report and XXXX XXXX  on XXXX report, same address, but i have filed a separate complaint for XXXX XXXX and XXXX and Swiss Colony but it now shows up as Swiss Colon / XXXX as well as XXXX  They keep changing the name.
Since XX/XX/XXXX, Chase Cardmember Services has failed to assist me in disputing the following charges with the merchants : XX/XX/XXXX XXXX {$1900.00}, XX/XX/XXXX XXXX XXXX {$1800.00}, XX/XX/XXXX XXXX XXXX {$160.00}, XX/XX/XXXX XXXX XXXX {$180.00}, XX/XX/XXXX XXXX XXXX {$200.00}, XX/XX/XXXX XXXX XXXX {$260.00}, Chase Cardmember Services has also continued to charge my account finance charges while the disputes are in process and obligated me to make minimum payments on the disputed transactions.
I am still waiting on JJ Marshall to send me proof of this debt ( a debt breakdown for the balance that they are stating that I owe ) and I need to see proof of my signature. I also would like JJ Marshall to send me proof that I am obligated to pay them for this debt that they are stating that I owe. To date, I have not received any of these items. I do not owe any money to JJ Marshall or any other company.
I got a vehicle from XXXX. My ex wife gained possession of the vehicle through it being a marital asset ( at the time ). About a month ago, I was awarded the vehicle which is solely in my name. 
I contacted South Dakota to find out that she had been arrested and the vehicle has been towed. The towing company sent the Lein holder a certified letter letting them know the car needed to be picked up or the towing company ( aggressive towing ) would take ownership of the title.

The leinholder was well aware that I had no possession nor exact wareabouts of the vehicle. The leinholder choose to sign for the letter but never gained possession of the vehicle nor did they contact me to do so. Now XXXX XXXX owns the vehicle as they are the current holder of the title.

XXXX is unwilling to settle this debt with me even though they allied the release of the lein ( title ).

They continue to contact me several times a day and threaten me by saying they are going to turn the vehicle off ( its not in my possession ), they have already been paid monthly payments after they no longer owned the vehicle and are tying to get me to continue to pay for the vehicle.

I have given them all information regarding the status of the vehicle yet they are still harassing me. 
I have also told them that I am in the process of working on a case with an attorney. 
I would like them to please stop harassing me. They choose not to call me and let me know my vehicle was about to be taken from me.
To Whom it may concern, My name is XXXX XXXX. On XX/XX/XXXX I was informed by your company, XXXX XXXX, employee name XXXX XXXX  and XXXX XXXX, I will be enrolled in the Public Service loan Forgiveness program and my loan will be forgiven after 120 payments. I was told my payments will be based on my income and the number of people I financially care for. Last month I was informed your company is fraud and your company is charging {$49.00} monthly fee when your company is not part of the Public Service Loan Forgiveness program. I spoke with Federal Student Aid Department last month on XX/XX/XXXX at XXXX XXXX. I was informed there is no record of me being in the Public Service loan Forgiveness program and have not received any documentation from your company. I called XXXX XXXX onXX/XX/XXXX at XXXX XXXX and spoke with XXXX. After explaining to him about how the company fraudulently enrolled me in a program and are charging me a {$49.00} fee he placed me on hold several times and spoke with his supervisor, XXXX. XXXX  told me he would look into the matter and call me back. As of XX/XX/XXXX I have not received a telephone call regarding this matter. I attempted to call XXXX but the numbers I have are disconnected. Today, I called Federal Student Aid again to confirm if I was enrolled before my lawyer gets involved in this matter. My loan was transferred to XXXX and was told XXXX is not a company who is enrolled in the Public Service Loan Forgiveness program. I contacted XXXX  and was told I am not enrolled in the Public Service Loan Forgiveness program and if I was enrolled in the program my loan would be transferred to the XXXX XXXX XXXX. I was informed by a XXXX employee this is not the first time this company lied and told people they are enrolled in the Public Service Loan Forgiveness program when they are not. I will be contacting Financial protection Bureau & Federal Trade Commerce to file a complaint, contacted State Attorney General, and contacted the XXXX XXXX XXXX to file a complaint if we can not resolve this in a timely manner. I am requesting for your company to stop processing my loan and to waive the remaining {$49.00} monthly fee I am being charged. I have placed a stop payment on the remaining {$49.00} due to this being an scam. If this matter is not resolved in a timely manner, I will have my lawyer contact your company and the case will resolved in Court. Thank you.
Hello, I sent XXXX XXXX  and Equifax 4 dispute letters to verify or remove accounts on my credit report. They do not verify the items just updated saying that it was unchanged. I have asked repeatedly to provide documentation or information verifying these items were mine. With 4 attempts, they have failed to removed any of the items, and have not produced any verification.

I sent letters to all 3 agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In most cases they did not investigate at all. I would like the items in questions verified or removed, this is causing me great distress and hurting my credit score.
The mobile deposit of an Offcial Check of {$1900.00} was made into my Account on XXXX/XXXX/15AM and Bank Accepted the Deposit on XXXX Afternoon and Credited to my Account on XXXX/XXXX/15. Based on Available Balance I Withdrew {$1200.00} Cash & XXXX/XXXX/15 Withdrew {$1100.00}. On XXXX/XXXX/2015 AM Chase Bank Informed me that Official Check 0f {$1900.00} Deposited to my Account is Fake and Charged my Account {$1900.00} Debit that created Negative $ XXXX Balance. On XXXX/XXXX/2015 A Social Security Administration Deposited Retirement check of {$1500.00} in my account. Chase bank take away that money to pay-off negative Balance. I think this is unfair business practice who accepted Fake Official Check Deposit on XXXX/XXXX/2015 and then punish customer by taking away theirsocial security money.