WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm really running out of patience and I just do n't know what to do at this point! I have used a credit repair company and now am disputing myself with the XXXX bureaus. I have accounts on my file that continuously come back as " verified '' and yet I have never received any documents, I have never received a description of their procedures in detail which I have requested and I have never received any documentation proving ownership of any of the accounts. How can they say that these accounts are verified when they do n't have any documentation? How can they just take the creditors at their word? Do n't they have a responsibility to actually do a real investigation? I understand that they only have a few minutes to do an investigation, but that 's not my problem. That 's a problem on their end and i should n't be a victim of their money-making scheme. I already made a complaint with the TX Attorney General so each of the XXXX bureaus will be receiving either a call or letter and will have to explain themselves. Who did they speak with at the creditors? What date? what was their name? What documentation was used?
Unsolicited credit card was sent to me in XXXX of XXXX from XXXX with my name on it. I called XXXX and told them it was not mine and I never applied for it. I told them to cancel it. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX saying a debt from that card was referred to them in the amount of {$2200.00}. I called them and talked to a XXXX XXXX. He gave me a SS # that was not mine and I told him the last 4 digits of mine. I sent them a letter disavowing that this was my debt. 

I contacted XXXX  credit bureau because I checked my credit report and it showed up there. They did an investigation and deleted it from my credit report. 

On XX/XX/XXXX I received a letter from XXXX XXXX saying they did an investigation and said I owed the previous amount. They then sent me another letter on XX/XX/XXXX because I had moved. I talked to a person named XXXX. Again we went over the SS # that they had and again it was not mine. I faxed her information that would verify that I was who she was talking to. Again I sent them a letter disavowing the debt and told them about XXXX investigating my complaint. 

On XX/XX/XXXX I received a letter from XXXX XXXX, again saying I owed the same debt and offered to settle for {$1100.00}. Again I sent them a letter disavowing the debt. 

On XX/XX/XXXX I received a letter from Radius Global Solutions LLC saying the referenced account was placed with them for collection. Again I have sent them a letter disavowing the debt. 

At this time I now think that this is harassment and would like it to stop. I have a very good credit rating. I recently bought a condo and my credit score was XXXX.
I have already filed an FTC affidavit and an accompanying police report for an identity card that was opened in my name at Bank of America. It was removed from the credit bureaus but for some reason, it seems BofA still has it on its book.
I have completely paid back my student loans. They were paid off in 2014. XXXX XXXX was the loan provider at the time. However, my loan was transferred to Navient. Prior to me paying off the loan it was in forebearance. I never paid late to XXXX XXXX because it was in forebearance. However, Navient is reporting that I paid late multiple times in the years of the recent recession. I did not have a job at the time, I informed XXXX XXXX, and I was granted forebearance. Navient will not change what is being reported to my credit agency. I have complained and asked them to show proof that I paid late. The account # they have for me is not in their system and they still will not correct this issue with XXXX. They are reporting false information to XXXX and they will not respond to multiple requests to correct their reporting.
Seven checks were forged on my account. Two were cashed and then the funds returned for insufficient funds. Three more were returned for insufficient funds and I was charged for bounced checks. Two more were cashed and I have not been able to recover the funds. The total amount stolen from me was {$17000.00}. Of that {$11000.00} was returned because of the insufficient funds.
When I opened by checking account with Chase Bank, I made a written agreement not to honor any EFT 's nor other debit transactions because I did not like to be bombarded with excessive bank fees. Chase Bank refused to honor this written agreement and bombarded my checking account with a total of {$450.00} bank charges. I am a XXXX retired individual and with a flat income that I receive each month, I can not afford to pay these excessive bank charges. Please help. I tried to call their Customer Service Call Center but I get transferred too many times and I am unable to get a response back with these bank charges. Chases refused to abide with the written agreement that I had with them. Attached you will find the agreement that I signed for. Thank you.
I have spent countless hours and thousands of dollars cleaning up my credit report in order to refinance my home mortgage. I have paid membership to this credit agency which allows me to monitor my credit and my credit score. this membership costs me {$240.00} a year and I expect to have accurate information. 
I recently applied for a refinance loan because the credit score that I see when I log into my account shows XXXX. However, when the lender pulled my credit scores they indicated that my score is XXXX, almost a XXXX point difference. I was denied the loan because their minimum score is XXXX. I do not understand why the scores are so different and why I am not advised as to any other scores that may be provided to creditors.
I am attempting to get my Experian annual free credit report, however every time I enter my information I get a response of : " A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, GA XXXX '' This error comes up immediately after I enter my personal information before I am asked the verification questions.
I have a balance on my American Express Card of {$540.00}. I paid them on XXXX {$400.00} and XXXX {$450.00} and I owe them XXXX they called me the other morning at XXXX in the XXXX. I am XXXXyears old, lost my job and am sick. They have been harassing me. They call me two to three times a dayand yesterday besides calling they sent two e-mails a day, I told them when I get my social security check on Wednesday.I will make a payment. Tonight when I called I asked to speak to a customer service rep they would n't let me and kept asking do you want to make a payment and I kept saying no and they finally let me into a rep from XXXX who could not answer my questions I have never been treated like this they also charged {$78.00} interest which the rep could n't find. I find the number calls galling wen I told them my situation an I think it should be stopped .I ALSO HAVE MADE NO PURCHASES since I lost my job on XXXX XXXX,2017
Creditors Collection Service ( XXXX ) claims I owe money to XXXX XXXX XXXX but I have never gone to them for service. I have requested multiple times to substantiate their claim of debt but they simply give me my name, address, date of service, and medical billing code. In addition, at no point do they show work requested by my physician. When I contacted my physician, I am told they NEVER send anything to XXXX XXXX XXXX. I have contacted my health insurance carrier, and they noted there are two companies using the same billing code for the same date  of service. Even this doesn't seem to phase the collector into investigating this claim further. The collection service continues to hang up on me because they feel what they have given me is enough for me to pay the bill. At this point, they keep hanging up on me and can't understand why I'm not just paying the bill.
I have filed a total of three disputes with Experian and XXXX for the removal of XXXX XXXX information ( totaling {$300.00} ) on my credit reports. Disputes were filed in XX/XX/XXXX ( online ), XX/XX/XXXX ( online ) and XX/XX/XXXX ( certified mail ). 

The collection account was tied to a workers compensation claim due to a work-related injury. There were numerous delays in the claim settlement and I was never responsible for payment of this account. The claim was paid in full by XXXX XXXX XXXX XXXX XXXX XXXX and the Division of Federal Employees Compensation ( documentation provided ). 

I originally disputed this account in XX/XX/XXXX as noted on the current ( Experian ) report. However, the account was not removed from my file as originally requested. In XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX ( XXXX ) to request the necessary documentation to remove the account from my file. XXXX sent the requested documents to Experian and XXXX  on XX/XX/XXXX. I then filed a second online dispute with both companies in XX/XX/XXXX. 

After nearly 120-days the account remains posted to both reports. Whats more alarming is that Experian has now listed that case twice, with a second ( new ) date of XX/XX/XXXX ( pg. 8 ). The legend indicates this is an open collection ( C ) with a report date of XX/XX/XXXX. This is inaccurate information and a duplicate reporting of the original account. This account needs to be removed from my files at both Experian and XXXX credit reporting agencies. 

Enclosed are copies of the documentation from the XXXX XXXX XXXX XXXX  and the original creditor, XXXX XXXX XXXX XXXX, indicating this account was settled and paid in full by XXXX XXXX XXXX XXXX XXXX XXXX and the Division of Federal Employees Compensation ( workers compensation ). I have also enclosed copies of both credit reports, in the exact format they were recently sent to both Credit Bureaus for the third dispute by certified mail. 

These inaccuracies are significantly impeding my mortgage application and lending rates, impacting my ability to purchase our first home. If Experian and XXXX  are unable to resolve this issue in a timely manner, I plan to seek legal counsel.
I have been attempting to get the promissory note for my consolidated loan ( done in 2005 ) since XX/XX/XXXX. For about a month, Nelnet claimed to have no information on my loan and no promissory note. I called almost daily. People would promise to look into the case and then not call back. I would ask to speak to a supervisor and instead get put to the main menu. When I would call back, there would be no documentation of my previous calls and I would have to start over. Finally, someone found my promissory note but the first XXXX pages were missing of the promissory note. Nelnet claims this is not their problem and blames Department of Education for not sending it to them. 

I need the promissory note as I have qualified for loan repayment from the XXXX XXXX XXXX XXXX ( XXXX ). The XXXX said that if the first XXXX pages of my promissory note can not be found, I can submit a letter from Nelnet stating what loans ( type, amount, date ) that were including in my consolidation. Nelnet refuses to write the letter since they did not consolidate the loan, even though the government branch that consolidated the loan no longer exists. Nelnet said they can see the information about what loans went into my consolidation but will not put it in a letter. On my insistence, they have sent it to their legal department to review but said that just the review would take weeks and that they will not send the letter anyways. 

I have been working with the Onbudsman Group and XXXX XXXX XXXX, who both state Nelnet should provide the letter and should have the full promissory note. Due to Nelnet 's poor customer service and negligence, I will lose my chance for loan repayment ( & gt ; {$200000.00} ).
Old landlord is attempting to collect a debt from 2014 for missed rent. After moving out, all deposit money was returned. Landlord took us to small claims court. Judge gave a judgement and the judgement was paid for. Landlord continues to attempt to collect a false debt.
I applied for an in-school deferment the first week of XXXX for the XXXX semester commencing XXXX. I meet Federal deferment guidelines because I am enrolled in at least half-time units. My application was rejected because XXXX, the administrator of my student loans, stated that my college had reported that I was, at the time, enrolled in less than 1/2 time units. However, I had submitted the application for the XXXX semester and the form was completed by my college 's registrar. I was also informed that an updated Deferment Application form was available and that I needed to complete that form. Please note that the form contained and required identical information as the one I had submitted in XXXX. Nonetheless, both I and my college 's registrar completed the new form and I submitted it in hard copy by U.S. Mail the first week in XXXX. I also uploaded it to XXXX 's website. XXXX again rejected my application erroneously claiming that my college registrar had not completed Section 4 of the form. This was absolutely incorrect. I called XXXX and confirmed with their representative that the form indeed my college had completed Section 4 of the form and that they would reconsider the application. I called again on XXXX, to learn the status of my request and was told that it would take at least two more weeks to consider the application. XXXX has erred at every step of my application process. I asked to speak to a supervisor when I called today, XXXX, and after waiting on hold for several minutes, was told that " no one was available and try calling back later. '' I stated that I would prefer to remain on the line because it had been two months since my initial application and that XXXX repeatedly rejected my application due to XXXX 's own errors. I was placed on hold again for several minutes and was again told that no one was available. However, I was told that someone would call me back today. Because I have repeatedly been given incorrect information by XXXX, I am concerned that they are not complying with Federal guidelines with respect to In-School Deferments. I would greatly appreciate your assistance with this matter.
i have several medical bills from XXXX iowa they did not file with my insurance company properly or not at all i have contacted my insuranse company and they have not recieved any charges that is on my credit report they can not pay what they have not been given i went to them and asked and they told me they did submit it i asked them to resubmit it and they told me they could not also i swear under oath i have never in my life time received a bill for the charges that i see on my credit report from them also they are charging me for an ambulance that i never was transported in and charges in XXXX of 2012 or XXXX the patient was my mother and no charges were ever submitted to either insurance company and again i have never been sent a bill for either i have charges from years ago but in no way knew about them until i looked at my credit report for the first time this year
I have been informed by Equifax that my credit report that they kept on file has been compromised, including sensitive and secure personal information such as DOB, SSN, DL, address, etc. 

I also understand that this is a result of gross negligence by Equifax, and could have serious implications, including identity theft, reputational damage and financial fraud.
XXXX XXXX reported my account was closed to the Credit Bureau, but it was never closed I was still making payment, and the XXXX XXXX was making reports when ever I was at least 30 days late. Also, the amount they said I owed was never updated. Now I paid it off in full, but it still is saying I owe, but I paid it off in full as of to date.
I submitted a complaint to cfpb in XXXX of XXXX against National Collegiate Trust - Case Number XXXX. The response I received was not from National Collegiate Trust ( NCT ) ; it was from AES ( American Education Services ), who wrote to tell me that NCT was the collection manager and AES no longer had another authority to alter or negotiate the terms of my loan. Why did AES respond? I obviously knew they were n't the ones reporting it on my credit report, or else my complaint would have been directed to them. NCT is the one that is reporting my debt incorrectly. In addition, I would like validation of my debt with NCT, including a printout of all the activity on my account since they have taken over as servicer. I need this because I am disputing the balance they are showing on my XXXX Credit Report. My mother paid somewhere in the amount of {$18000.00} on this loan when NCT starting harassing her in the beginning of XXXX, so I know there is not a balance of {$22000.00}, as they are reporting on my XXXX credit report. In fact, the original amount of the loan was {$22000.00}, as you can see from the attached credit agreement, and I made payments from XXXX to XXXX in the amount of {$230.00} ( XXXX payments ), so it 's not possible that I have a balance of {$22000.00} as NCT is reporting. I believe my balance is {$.00}, as they have always previously reported.
I received a credit card statement in the mail from Bank of America. It has my name and address on it, however I did not open the card. I am guessing a fraudster got my information from the XXXX Breach.  The card has been used and there is a balance of {$1000.00} on it. I called B of A on XX/XX/XXXX to report the fraud. I have received nothing in the mail acknowledging the receipt of my claim and no resolution. I have called the company 4 times and have received various answers as to why I have gotten nothing in the mail and have been told that they have 60 days to resolve it. In the mean time this is getting reported to the credit bureau late as I am not making payments to an account that is not mine. I thought per Reg. E they had 10 business days to respond to me and at least acknowledge my claim. Also their verification procedures are terrible. The account should be flagged for fraud and they verified me with my name/address and DOB, which is what the fraud person used to open the account in the first place.

The sense of urgency on this is completely lacking. I would appreciate any help in getting this resolved. 

Thank you- XXXX XXXX
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
I filed an Official Identity Theft Report through the FTC including a local police report in XXXX 2017 after finding accounts on my credit report that were not mine. 
XXXX has failed to remove the accounts that are listed on the ID theft report and they are still reporting on my credit report which is in violation of FCRA. 
The following ( 3 ) accounts should have been removed as they are considered fraud : XXXX XXXX XXXX XXXX Account # XXXX ( Listed 2 times using different amounts ) XXXX XXXX Acct # XXXX ( account # has been falsified in order to evade removal by collection agency ) Amount {$700.00} original creditor : XXXX XXXX XXXX XXXX Account # XXXX
OCWEN IS ILLEGALLY DUAL TRACKING US We are in the middle of trying to get a Home Loan Modification with Ocwen ( Exhibit B/Mod Package ). 
Our loan modification package is due today and was sent in today, XXXX/XXXX/16. Our 'new ' relationship manager has us scheduled for a phone call XXXX/XXXX/16 to discuss the modification and is aware our XX/XX/XXXX bank statement will not be available until XXXX. We were assured the XX/XX/XXXX date will not affect us being reviewed for a modification - the date would be extended and NO other action will be taken until after the XX/XX/XXXX review. 
HOWEVER - we just got a notice DATED XXXX XXXX from Ocwen saying we are in FORECLOSURE!!! ( Exhibit A/letter saying we are in foreclosure ) THIS is ILLEGAL! THIS IS DUAL-TRACKING! 
I can not even begin to tell you how XXXX the XXXX XXXX notice We JUST RECEIVED is. 
Our hardship ( laid off and having a XXXX ) is being made worse with this threat of foreclosure.
Today on XX/XX/2018 I have found a money saving tool. XXXX this is a great way to help me know that I am spending to much money compared to what I make each month. I got this credit card to help build my credit as well as having extra money when unexpected problems pop up. This website needs access to my spending history to tell me when I have spent to much on food shopping and so on. I would love for this problem to be fixed! Thanks!
Experian, who has established themselves as the basis for FICO scores, has gone from reporting erroneous information to not giving my credit or FICO score to potential lenders. I am trying to get a home loan and the disgraceful behavior of Experian has repeatedly prevented me from doing so. 

Making matters worse, despite the fact they provided NOTHING, they have still dinged my credit with the hard inquiries to which they did not respond.
I was affected with the Equifax breach, confirmed by their website as of XXXX XXXX, XXXX. My name, address, SSN and credit card information was accessed.
A merchant, XXXX, scammed me into seeking their services. Later, the merchant stated they would be ending there services yet still charged my card at a later point. The merchant was suppose to handle XXXX separate cases fully, they did not and did not fulfill the contract. I had to hire XXXX other firms to perform the service. In addition, after speaking to multiple ( similar merchant, third parties ) they all reported that the credit card company should protect me from the original merchants charges. As of today, Bank of America has given me the run around instead of fulfilling their promise to protect consumers and has failed to comply with the Fair Credit Billing Act. I have had an attorney write to the credit card company explaining that the charges from the original merchant should be returned, however Bank of America has refused to assist the consumer..
I have asked for my promissory multiple times and received them after I paid off my loans. Once I started to review them, they incorrectly have been charging me on one of my loans regarding principle balance. I have confirmed with the University and the gave me check numbers to help dispute this with Navient this loan. I have called their customer service department several times only to be told they cant help me since that is what they show for on their records. They finally offered several calls to transfer me to their fraud department. I have been transferred over twice only to be on hold/ no one ever picks up or have been told that they are currently closed and I must call back tomorrow. They have reported incorrectly to my credit report along with receiving overpayments since 2007. Navient is making this impossible to recover cost from them
on my student loans 90 day late is reporting, but to my knowledge these 90 day lates are inaccurate. hence attached letter, i was recovering from   XXXX   XXXX   XXXX   accident which happened to me in  XXXX  i questioned the creditor to remove the delinquencies but, they explained that i had to be a veteran in order to be qualified for the removal of the delinquencies. i have attached the letter that i have also submitted to the creditor and to all   XXXX   bureaus, please go through my letter carefully and you will see that i have been in the worst situation and i do deserve to be given a second chance.   i would greatly appreciate for your cooperation in this matter.   gratefully yours  XXXX   XXXX   XXXX