WillisBack/dataset-financial-user-claim huggingface dataset:
The debt was forgiven by the bank. 

The account in question was a reward checking account at Keybank, XXXX, NY office, with address XXXX XXXX, XXXX, NY XXXX. 

The account had accumulated {$38.00} in " no activity fees ''. My wife and I were not aware of such fees on the account. 

When we found out about them, we made an appointed at the local office. On XXXX/XXXX/2016, my wife and I visited the XXXX Keybank located at XXXX XXXX, XXXX, NY XXXX and meet with XXXX XXXX ( XXXX, XXXXXXXXXXXX ). He converted our rewards checking account into a no hassle checking account. He agreed to remove the account fees, which has already been taken care of and resolved. Our " no hassle account '' is still open and in good standing. 

On XXXX XXXX, 2016, we received a debt collection notice from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I promptly wrote a letter, within 30 days, notifying XXXX and his office that I disputed the debt in full and that Key Bank had already forgiven it. 

I 've now received a second debt collection notice but from a different agency, on XXXX/XXXX/16. 

XXXX OH XXXX I am sending a debt dispute to this agency as well.
Citibank guaranteed an annual fee refund when I downgraded my Citi ThankYou Premier card ( which carries a {$95.00} annual fee ) to a Citi ThankYou preferred card ( which carries no annual fee ). Despite several attempts to contact, and request my refund, they refuse to respond.
My student loans are serviced by Navient. In XXXX, I spoke to a Navient representative over the phone and gave him my bank account number and routing number to make a payment for two months. In XXXX, I was contacted by XXXX XXXX XXXX and informed that my account was more than 100 days delinquent. I was then transferred to a Navient supervisor who set up auto pay for me and opined that perhaps the Navient representative who took my information down did so incorrectly, and that my bank rejected the payment. This supervisor updated my records and brought my account current. I assumed all was well until I received a credit alert that Navient had reported eight accounts 90 days delinquent, crushing my credit score. 
Navient tells me that it sent me two letters informing me that my bank had rejected the payment and that I was behind in my payments. I received no such letters. There were subsequent phone calls from Navient that I did not receive, but it is not uncommon for their representatives ( or their automatic dialing service ) to call me even after a payment has been made. I had no reason to believe I was delinquent, as I made a good-faith effort to pay my loans in XXXX. 
Navient informed me that it will not remove the delinquent reports from my credit report because it has investigated and has found that the error causing the confusion with my bank was mine. I have asked for evidence, but Navient will not provide it. All Navient needs to do to make this right is remove the negative information from my report.
There are several late payments from the months of XX/XX/XXXXto XX/XX/XXXXthat are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP
received a call from XXXX ext. XXXX case # XXXX. Asked this individual to stop calling me at work because it disrupt me while at work. He told he that criminal charges will be filed against me. I hung up and he called me back at my work number.
this is my second car financed through nissan finance. i took a deferred payment in XXXX 2014. they never told me they were sending me any paperwork to sign, neither did they send any. XXXX/XXXX/14 - XXXX. XXXX, male rep - i got a call my payment was late. i informed the woman i had a deferment, which she acknowledged. she told me i had not signed the papers and sent them back. i informed her no paperwork was sent to my XXXX XXXX or physical address. at the time i was visiting my daughter in another state. i asked them to send the paperwork there and to note the account nothing was ever received. I phoned them weekly no paperwork came. i believe it was a couple of months later and only after i asked the female rep. to send them certified to me did they finally arrive. i signed them, copied them and mailed them. months later and after checking my credit report I noticed they marked me for a late payment. I called to be told I had a late payment in XXXX. I believe nissan has me late for XXXX, XXXX and XXXX. I have never paid any of my payments late. when I purchased my first car i sent a payment in and received a phone call my payment was late. this payment was sent certified. it arrived on time. I did this because i noticed they were posting my payments close to the end of the grace period. upon phoning nissan i informed them they are supposed to stamp and post the payments for the date the payments arrived. I was told by a male rep. they do not do that. that is when i started paying on line which cost me an additional XXXX. I sent a letter of complaint which nissan tried to justify their actions. later received a phone call from a female in the corp. office who returned my online fees and the money i spent to send it certified. I believe nissan is still posting payments whenever they want. I now payonline and am charged an additional XXXX when i get a chance i will send a payment certified again to see if they are posting it when it arrives or whenever they feel like it. I do not like this company. I am trying to get my credit back to a good standing so i can finance through my bank. their customer service is horrible.
XXXX XXXX XXXX sent a bill to Capio Partners stating I owed and never paid my hospital bill in the amount of {$190.00}, I never received a bill from the hospital. Then Capio Partners put on my credit XX/XX/2018 that I owe them this debt. I never new I owed a bill with the hospital because I have two insurances ( XXXX & XXXX ). I called XXXX and was told the bill statement was sent back saying invalid address, this is why I never received a bill, this was a clerical error on XXXX billing. This bill is paid and Capio Partners have yet to remove this negative action of my credit report. I have tried reaching out to Capio Partners and I have yet to get a response from them. I never even received anything from Capio Partners  informing me this account was sent to a debt collection agency.
Transunion has incorrect information. THIS is not my ACCOUNT. 
ACCOUNT # XXXX XXXX THIS IS A INVALD COLLECTION ACCOUNT REPORTING ON TRANSUNION. THEY NEVER NOTIFIED ME OF THIS ACCOUNT PRIOR. THEY HAVE NOT PROVIDED PROOF THIS ACCOUNT BELONGS TO ME, AS WAS REQUESTED IN THE CERTIFIED LETTER SENT TO BOTH TRANSUNION AND XXXX. THIS WAS A IDENTITY THEFT CASE FROM 2010. TRANSUNION PLEASE REMOVE THE COLLECTION FROM MY REPORT.
I am not sure if I contacted you already. My dad suggested I contact your company and I contacted someone but am not sure if it was this company. My situation. 

I cosigned for a loan with a company called Elder Life Financial for a family friend. It was to be reimbursed by the VA. However, after getting the loan she became sick ( XXXX ) and passed away. I was unaware the proper paper work was filled out because although my name was on the loan I was never contacted unless a payment was late. Since her passing I have contacted the company numerous times ( upwards in the XXXX ). I have requested to speak to managers, anyone who can assist me in the situation and never received a call back. Most recently a gentlemen named XXXX XXXX who is in charge of the account supposedly has been contacted and left message after message with no response. Currently the payments sent our " interest only '' and have been for almost three years. The family friend making the payments as it was her mother the loan was for is on XXXX and can only afford a certain amount each month. It is difficult for me to assume responsibility for this loan as I am about to go back to XXXX in 6 weeks. Not to mention the company says the loan is to be paid in full by XX/XX/2016 and if not will turn it to collections. I can not get in touch with anyone to assist me with this matter. I have worked very hard to obtain a good credit standing and this is on the verge of ruining it. This is something I have no control over and I have no doubt it would have been handled properly had she not passed away. I am at a loss for what to do and would greatly appreciate any assistance you can give me. Thanks!
XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are reporting false information on my credit report. A creditor improperly providing false information on a person 's credit report is a flagrant violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act.
I have had my TJX rewards MasterCard through Synchrony Bank since 2011. During that time, I have never missed a payment and always pay my card off in full, usually twice a month. This month they accepted my payment of over {$1400.00} but placed a hold on my card so I could n't use it. I called, they said the hold was for 6 days and could n't be released. On day 6, I called again, and they extended the hold to 9 days. Why I asked why, they said it was because I made to many payments that were too large. They also said they could hold my payments for as long as they wanted for any reason, or no reason at all, and there was nothing I could do about it. I am so angry that they can just take my money and then tie up my card when I have never missed a payment, or done anything that could be considered irresponsible in my history with this card.
I received a 112 page report from Lexis Nexis after investigation from a Bank Lender in which I was turned down. Upon inquiry and review of the report. It reflects Various different names including various Social Security numbers. Multi State addresses of various origins [ with various names, social security and addresses of multiple persons ]. Accounts that are in excess of 7 years or no relative nor belonging to myself. Not gender specific and includes multiple levels of false and fraudulent materials. The company claims to have retrieved their information from public sources or the major Credit Bureaus. I know that from working with the credit bureaus that 95 % or better is not even listed on my accounts. This is the Second attempt to challenge their information and would like the CFPB to assist with enforcing the accuracy and correctness of what this agency is reflecting. It has caused me to be denied credit multiple times and It was not until I called them directly to dispute an item that I learned of the " 112 '' page errors and inaccuracy. I have been denied employment as a result of this as well.
On XXXX XXXX, 2016 at approximately XXXX, I went inside XXXX in XXXX Alabama with my XXXX year old daughter. I walked passed Western Finance who I have a loan with. While I was in the store, I saw a familiar face walking around the XXXX on her cell phone. I forgot something so I got out of check out line at XXXX. I saw that same woman looking at me but again, I thought nothing of it. I got back in line. As I was leaving the store, that lady left said something to another lady outside XXXX. Then she went into Western Finance. Next thing I knew, the lady she spoke to & STOPPED MY XXXX YEAR OLD DAUGHTER by HUGGING HER VERY HARD, SHE COULD N'T GET AWAY FROM HER GRIP as if she knew my daughter. I immediately recognized her as the MANAGER OF WESTERN FINANCE. She says to me ... .WHAT HAPPENED TO ME? I 'm like excuse me? Did you just follow me into XXXX XXXX? We 're you waiting on me? She says yes, I saw you walking by. She mentioned, she had been looking for me and she has called my mother, and she 's even been by my mama 's house. I said what, you 've BEEN BY MY MAMA 'S HOUSE? You went by mama 's house for XXXX not XXXX? She said yes ma'am to all the questions. She asked me if I still lived in XXXX. I told her she was harrassing me. In fact, she was stalking me by sending her employee in XXXX and then waiting on me outside the XXXX door, blocking my way on the sidewalk. She informed me that they are allowed to do that. If they see you. I said you all are allowed to harrass your clients outside another store? She said yes. I asked her for her card. I told her I 'd be filing a complaint. She told me to go ahead. Her name is XXXX XXXX, the manager at Western Finance. I do not and have not ever been physically stalked or harassed by any reputable company.
The company XXXX XXXX XXXX performed a hard pull on my credit on the following dates : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX without my consent.
Nelnet is reporting incorrect information to my credit report, payment history, account number, loan amount, loan date, and type of account. I have contacted Nelnet multiple times and they continue to report incorrect data. and they are reporting the information multiple times ( XXXX times )
I received a statement from Grant Mercantile Agency on XX/XX/18 stating that I owed {$190.00} to them. The statement date was XX/XX/18. I called my local hospital on XXXX and they informed me that I do not owe anything and they haven't sent any bills to collections. So, I am receiving statements of debt that I do not owe and that do not belong to me. I would really appreciate any help to be rid of this agency that is making up debts in my name that do not exist.
I 've been trying to get my Navient account audited, and have them show me how my account got to be as high it as it is. I got my loans down to half from around {$22000.00} down to {$11000.00}. I went back to school for a year and half, and it cost me {$35000.00} in new loans to finish up. So now, with the {$11000.00} + {$35000.00} puts me around {$46000.00} roughly. But my balance is at {$59000.00} roughly. So is it accurate that my account accrued over {$12000.00} dollars in interest alone in 1.5-2 years? Seems astronomically high to me, that 's if 2 years at $ XXXX accrued, 1.5 years at $ XXXX accrued. This is more than most monthly payments. These are higher than my monthly payments right now that they asking for. This ca n't be accurate. This is like a death sentence. Something is definitely wrong here, and seeing that there are XXXX lawsuits out by the government on this company it makes me question that validity of this company. Something fishy is going on here. Do n't know how I hit the bid on both XXXX and Navient, but they seem to up to some shady stuff. 

However, on top of all that. I 've been in contact with Navient for the last 3-4 months and they still have yet to provide me documentation on how my balance got this high. I 've asked probably 8-10 times for my account to be fully audited and check, and send me a report of how my account accrued so my interest. I 've yet to receive anything from them. It 's terrible.
I opened Citibank Checking and Savings account because of a {$400.00} new-customer signup bonus. 

Citibank Account Package {$400.00} Checking and Savings Offer Promo ID : XXXX On XX/XX/XXXX I got an email stating that unfortunately I did not meet the requirements for the bonus, but it did not say why. Over the next two weeks I tried contacting Citi Support and they kept opening new cases that would be resolved by simply saying " requirements were not met '' but never gave me the official reason why. Finally I got to talking to a supervisor, who informed me that the funds were not deposited within 30 days. If that was the case, they should have told me right after the 30 days, not waiting for 60 more days holding my money for nothing. 

Apparently I opened the account on XX/XX/2018, but because the online system to log into my new account was so hard to use, I could not actually access my account to transfer funds online until XX/XX/XXXX, over a month later. I tried multiple times with customer support and it was very unhelpful. Eventually I found the right button buried in the website to link my ID with my old ID ( I had a Citi Online ID from my credit card ). Eventually I got into the account and immediately transferred the {$15000.00} needed to meet the requirements for the bonus {$400.00}. This took 3 days so the funds entered the account on XX/XX/2018. 

The terms of the offer state that the funds must be into the account by 30 days after the account opening, but I was not able to access my account until XX/XX/XXXX, and as soon as I did I deposited the funds. 

This citi checking bonus offer is not worth the time and the customer service seems purposefully confusing and on multiple occasions made me wait several days before problems were resolved or returned to me unresolved. The terms of the offer are very confusing and it was easy to miss the exact details, some of which are still unclear to me.
united revenu corp states that i owe them {$1200.00} dated XX/XX/18 acct number XXXX. I have no knowledge of this account, please have them remove this
In XX/XX/2018, I sent a validation letter to all three credit bureau 's. XXXX responded back stating this debt was not valid, and would be removed. I sent a follow suit letter to XXXX, along with Equifax. They as well agreed that this debt was not valid. Upon recently checking my credit report, Both XXXX   and Equifax have NOT removed this debt off of my report.
I specifically made XXXX purchases the last day of my billing period for my American Express in order to reach the XXXX purchases required to get 20 % extra benefits for that month. For some reason, even though I did all three purchases back to back for different things online, only XXXX posted that day and the third did n't post until the next day so it shows that I only got to XXXX with the third counting towards the new cycle. It was a big spending month which is why I made that extra effort to get the additional points by making those purchases. On the phone they told me that because my purchase was done in California on XXXX XXXX but Mountain Time XXXX XXXX, it counts as XXXX XXXX because there is a clause that says this somewhere in the cardholder agreement they sent. HOWEVER I just got off the phone with XXXX to see what time the purchase was actually made, since the customer service rep at AMEX was telling me it was past XXXX Mountain Time, and she informed me it was made at XXXX on XXXX XXXX Pacific Time. That also makes sense why the other XXXX purchases I made right before that XXXX were in the billing cycle I wanted them in and not the XXXX XXXX one. I bought those within less than thirty minutes before the XXXX purchase. And just to add to this, on their website ( AMEX that is ) it says on the page that shows your rewards progress : " To count purchases for this benefit, we use the date of the purchase. For example, if you make a purchase on the last day in your XXXX billing period, it might not post to your account until your XXXX billing period. If this happens, the purchase still counts towards your XXXX billing period. '' That is proof I am at least owed that purchase counting for XXXX XXXX and not XXXX XXXX which would put me at the XXXX purchases I need for the rewards benefit.
Have continually disputed incorrect information about  XXXX    XXXX   XXXX   XXXX   XXXX   on my report. Company comes back stating " company verified it was mine. '' However, they never have any documentation. After requesting documentation from the debt collector and not receiving any proof, there is no record of the account. Therefor, the account is continually being shown on my report despite no proof of any original documentation or that it is mine.
On XXXX/XXXX/2016, I called to informed Sun Trust that I was resending my permission for them to do and automatic debit for a car payment I have with Sun trust. At no time was a advised they could not stop the payment what I was advised of is that the payment will not be deducted. 
Thereby the purchases that were made where made in good faith based on the information that was provided by your customer service rep, that the car payment WOULD NOT BE DEDUCTED On XXXX/XXXX/2016, I a beginning day balance of - {$330.00}. Items were presented to my account as follows : Overdraft fee of {$36.00} was refunded and your account available balance increased to - {$300.00} {$25.00} to XXXX was paid {$36.00} fee and your account available balance fell to - {$360.00} {$5.00} to XXXX was paid {$36.00} fee and your account available balance fell to - {$400.00} {$17.00} to XXXX XXXX was paid {$36.00} fee and your account available balance fell to - {$450.00} {$0.00} to XXXX was paid and your account available balance fell to - {$460.00} {$4.00} to XXXX was paid and your account available balance fell to - {$460.00} I contacted the back to see what had happened I was informed they had processed the payment any way and thus all of these items had been assessed a fee. The bank did not have consent to enter the acct and make that deduction, this fact is further affirmed by your customer service rep during the call that took place on XXXX/XXXX/2016. 
They now are refusing to refund my money and in essence are attempting to extort funds from be based on your banks " stealing ", my monies by entering my account without consent. This is fraudulent and reprehensible, and at the core of all things illegal. I am unclear on how I can be told a payment will not come out, remove the permission for the bank to enter my account and because I made purchases based on the word of your rep, that the funds where not going to be deducted be assessed additional fees, {$120.00} from me and think this is good business practice. I want my money back.
I filed a dispute with XXXX due to XXXX XXXX XXXX XXXX reporting incorrect data about an account that was paid and closed ( they were reporting that the account was still open and in ok/current status ). First Data responded to the complaint and added additional false information by claiming my account was a chargeoff/collection account. This information is incorrect, as I was paying the account and it was in good standing at the time that I paid the remaining balance. Since First Data was not providing any equipment/service at the time, I asked for a flat amount to payoff and close out the account. First Data agreed, but never updated my credit report to reflect the account was paid and closed, which is why I contacted XXXX. It seems that in an attempt to retaliate due to my XXXX dispute, First Data added adverse and false information, which is now reflected as a derogatory item on my report.
Problem with Navient - When I asked if I could make an additional payment towards the principal I was told NO - any payment I make goes right to the interest.     Also, I have an income driven repayment plan that I make every month and add more to it. When I received my last bill the interest charges was  XXXX  more than the previous several months.     I had to renew my IDRP ( which I did in time ) and even received the confirmation that it was approved. I was told by a customer service rep I did not file it in time. I told her I had the emails showing it was done on time. She said it was have to be transferred to another department and I would receive a letter within 7-10 business days, that was 3 months ago. I called this morning and they show no record of me calling them.     THESE PEOPLE ARE TERRIBLE ... ..
I would like file a complaint with Barclaycard bank last week I made payment to the bank online as I always do however I made 2 payment on the same card so I placed a call to Barclaycard bank to see if I could get one of the two payment transferred but I went Thur XXXX to even make that happen and never did get the payment transfer so XXXX Barclaycard bank went and decreased my credit limited for no reason that is really really poor business im Trying all my heart to pay these XXXX up in full and not use there card again with take my business some place else if I didnt think I would ruin my credit I would pay them up in full and not even do business with them got alert on my credit report today they were very quick to report to the reporting agencies now I ask barclay I dont really give a rats XXXX about the descrease I have paid that card down to XXXX and XXXX bucks and will be payin that up here very very very soon but Barclaycard needs to report that that balance is not correct XXXX XXXX XXXX bank