WillisBack/dataset-financial-user-claim huggingface dataset:
I have a major problem with chexsystems!! they blocked me from every bank in the country without just cause. I sent a notice of cease and desist and another letter they ignore my letters, when I made numerous calls the customer relations are ignorant and play silly word games with me. chexsystems refuses to give me reason for their criminal actions, they have already committed code violations by not responding to my communication, they also are reproting on a UNVALIDATED debt. plus over XXXX XXXX XXXX I did find out from XXXX XXXX XXXX, chexsystems forces me to contract with them and keep asking me for my personal and private information so they can store, use, and access my information WHICH I DO NOT CONSENT, chexsystems has caused me very extensive damages. and to this day i can not do any business online either, its like my whole life is blocked, I did file a lawsuit against them but they hired a bigtime lawyer is also a big liar you can reach me at XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX thank you for your tima
I believe that Equifax are handing out randomly-assigned answers from their Potential Impact website : https : XXXX Entering both mine and my wife 's information twice, we both got different answers each time. As I am a semi-recent XXXX  to the US I do not even show up on their site, yet I still received two different answers from this " Potential Impact '' site.
I believe Equifax are attempting to appear competent in dealing with the backlash from this situation, but in reality, they are not.
This is a continuation of complaint # XXXX. 
Freedom Mortgage continues to be deceptive and uncommunicative in the correction of the original problem ( see XXXX ) the status has NOT BEEN RESOLVED ) Currently Freedom has cashed my check of {$2500.00} on XX/XX/2018. As of XX/XX/2018 this payment is still not posted to my loan XXXX and Freedom refuses to communicate with me on this issue! Freedom now is trying to charge me an additional {$76.00} fee for their total incompetence to correct THEIR OWN ERRORS. Their shameful business practices should be corrected. I have been attempting to correct the errors has gone on for 54 days now.
I signed up with XXXX XXXX XX/XX/2016 in doing so I saw a bankruptcy on my credit so I wrote a letter to the creditor who had reported this items according to the credit report it was : TENNESSE FEDERALCOURT - it was dated for XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, TN XXXX About a week later My inquiry to the U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
I have submitted to capital one credit card a dispute for 2 charges that were charged on my account from XXXX and XXXX XXXX that were billed on XX/XX/2018 and those charges were for XXXX dollars and the case number was XXXX and the other dispute was for XXXX dollars billed on XX/XX/2018 and case number was XXXX and the. Reason I disputedthe charges is because I was charged for parts that the merchant did NOT install in my car and fraudulently charged me for those parts and services that were NOT done on my car and I discovered this after I picked up the car. XXXX and XXXX XXXX lies and did NOT do the job completely and were very unprofessional and NOT honest. They overcharged me by adding charges to the bill for parts and services that were not done to my car. Now capital one Visa card account number ending in XXXX. Capital one refused to refund me the money and asked for opinions of other merchants and things whivpch are impossible for me to get. 
I did NOT receive what I paid for and I disputed the charge and I want my money back. But capital one Visa card refuses to listen to me and refuses to resolve the dispute and refuses to refund me the money and they ruled in favor of XXXX and XXXX XXXX In XXXX Alabama and there address is XXXX XXXX XXXX in XXXX alabama XXXX and phone number XXXX who is a big lier and a scammer. They charged for parts that were never installed and services that were never performed
XXXX XXXX Offered us a {$100.00} XXXX card if we switched our cable and internet from XXXX XXXX to them. We changed and they sent us a card, but it had zero dollars on it. When we called XXXX XXXX they said we had to call a third party vendor for the card, Blackhawk XXXX. Blackhawk XXXX said the card was used for fraudelant charges XXXX and the card had never been activated. They told us to send in a dispute form, we did, and they sent us another zero balance Pre-Paid card.
After terminating service with trash collector they are trying to collect a payment in advance. Years of monthly service and payments, the payment of 3 months in advance was demanded, therefor service was terminated. Now this has been sold to a collection agency a year or more later. Documents destroyed due to frustration with vendor.
A legal firm that represents the credit card company has served me papers thru the sheriff 's department notifying my right to have exemptions designated. I 'm guessing as payment. Is n't there a statute of limitations for credit card debt?
I filed the dispute on  XXXX / XXXX / XXXX  with Equifax and against   XXXX   XXXX   XXXX   The  XXXX  accounts were closed and derogatory when I filed for my car loan on  XXXX / XXXX / XXXX . The loan  officer  told me to dispute them. I filed a dispute and they immediately opened the  two  accounts showing a balance that reflects 97 % credit card debt and non payments. Thes e two accounts were discharged i n bankruptcy in  XXXX . They should show included in bankruptcy with no balance and should not be reflected in my current credit or credit score. This is so unfair and against the law. So no I would have to wait 30 days and my creditors think I 'm a deadbeat.   This is what I faxed  Equifax- RE  : Dispute -Please see the attached paperwork. You are not reporting the two   XXXX    accounts correctly. They were included in my bankruptcy in  XXXX  and they were discharged on  XXXX / XXXX / XXXX . I sent you this proof on other occasions with other accounts when trying to purchase my house and filed disputes.   I applied for a car loan with RCB bank on  XXXX / XXXX / XXXX . My interest rate was based on my credit score. On  XXXX  I accessed my credit and the loan officer showed me where you were reporting the following  XXXX  target counts as delinquent and closed. This is wrong, and incorrect reporting is against  Federal Law.  On  XXXX / XXXX / XXXX , I filed a dispute online with Equifax stating these accounts were  discharged  and stating they need removed or show  XXXX  balance and included in bankruptcy. On  XXXX  in the evening hours, after filing this dispute, my credit score went down by  XXXX  and reflected this debt as credit card debt with balances of  XXXX  and  XXXX .   Please correct this now or I will file a complaint with the Consumer Financial Protection Bureau. I am protected by the Fair Credit Reporting Act. It is agains t Federal law and you have cost me money. I am required to give you a chance to fix this before I file the Federal  complaint and get an Attorney.   I would like a response asap and for you to take immediate action to rectify this situation. I am paying 11 % interest on a used car loan due to your incompetency.   Please notify   XXXX   XXXX   XXXX   they are not reporting correctly and to cease these unfair credit reporting practices.
Since Thursday I've received 12 calls for a payment for which the account is in dispute. I specifically told Bank of America that I will pay the full debt due as long as they are reporting my payments accurately for which they have not. I've spoke with Bank of America regarding the insistent phone calls. This is harassment furthermore, the company reflected a late payment that should not have been.
I am unemployed ( again ) - and have used all of my forbarance and deferment time because this is my third time being laid off in ten years. When I call Navient for help, they say there is nothing that can be done.
Hello About a year ago, I bought a cloth at {$25.00} at " XXXX '' and paid with opening new store credit card. 
Since then I did not get any bill from the credit card company about the payment. 
On sometime XXXX of XXXX, I got a call from Comenity bank and I owe over {$100.00} due to non payment. That time I explained and they agreed I did not get any bill from them and waived the fee. I gave them my credit card number and asked them to charged the original balance. 
However, on XX/XX/XXXX, I got my first bill and find out it includes late fee of {$27.00} and {$2.00} for interest charge. 
On XX/XX/XXXX, I called the bank and explained what happened and ask to waive those fees, and offer to pay the original fee to them. 
However Bank told me they ca n't waive the fee and insisted I owe {$33.00}. I do not want to argue them over the phone and ask them to charge the {$33.00} from my checking and asked to close the account.
I disputed my Equifax report in XXXX with supporting documentation showing the account status in the Equifax report are incorrect. However, it still shows incorrect information and Equifax agency is disregarding the supporting documentation to support my dispute with the XXXX XXXX XXXX account XXXX.
Issue : Payment Status Details : Claim filed with government for insured portion of balance on loan on XX/XX/XXXX The date is incorrect. It should be : XX/XX/XXXX not XX/XX/XXXX 

Details : All NELNET accounts contain some kind of errors above are XXXX simple ones. ( see attached document ) After multiple disputes with all XXXX credit report agencies, NELNET keeps updating my credit report with a new current date as the date a " claim filed with government for insured portion of balance on loan '' which is not true. I had {$0.00} XXXX XXXX XXXX balance on these accounts since XX/XX/XXXX
Chase is not allowing me easy access to my account. Today, XX/XX/18 I called in. The man was borderline hostile. He demanded that I provide my full account number, even though I gave him the last four digits he requested, then he demanded my mother 's maiden name, then he demanded that I allow a text message be sent. When I questioned XXXX ( the representative ) why he needed this and asked what he would do if I didn't want this he told me that I now had NO CHOICE BUT TO BE TRANSFERRED TO THEIR SECURITY DEPARTMENT LIKE SOME ANIMAL CRIMINAL. He was rude, dismissive and vindictive. I spoke to manager XXXX XXXX who didn't need half the information XXXX did and finally answered my question. She could not explain why he needed so much more invasive information. Chase representatives need to allow access to accounts. I called from the phone number listed on my account, provided my full account number and confirmed my mother 's maiden name. That is more than enough.
XXXX, gave me the right to pass my account on to another customer. That customer has taken full responsibility with payment arrangements organized by XXXX. First XXXX was harrassing me about this debt that dont belong to me. After explaining the situation XXXX removed this account from my credit report. Now AFNI has the account and has reported to my credit without sending me any notice or validation. Please remove this from all 3 reports as soon as possible.
i had an equity line of credit from citizens my mortgage was from citizens one. 
my line of credit was for XXXX of which i spent XXXX and had a credit limit of XXXX when i refinanced with another bank they not only took my XXXX away without my permission they assesed me a charge of XXXX
Called XXXX times in one day to collect a debt that is only XXXX days past due. I been contacted on both cell and home phones with messages being left.
I contacted the debt collector Optimum outcomes Inc for the amount of {$34.00} showing on my credit also given a derogatory remark when I contacted them they couldn't even speak to me as all of the information the correct information that I provided them about myself did not match any of their records. I then contacted XXXX  to dispute with them they sent me information back determining that, the det was my debt that I owed. They also sent me an updated credit report ( that I requested ) that has my birthday incorrect ( my dob is XX/XX/XXXX  they have it on my report as XX/XX/XXXX ) on the credit report provided to me from XXXX. This is not my debt I'm not sure who the company is where they're located however I have never been there. I ask XXXX  to provide me proof of validation once they validated the debt that information was never provided to me.
like 1 1/2 or 2 years ago I got a loan from rapid cash advance, now looking at my credit report I see that a collection co go it in my credit but it says that I open the account on XXXX XXXX and wonder if they have wright to do that. thank you in advance for your help
In XX/XX/XXXX I had went through the process of correcting my Experian credit report after my husbands identity was hacked through the Office of Personnel Management. At that time a Freeze was put on his credit file. I was told this morning I would have had a password sent to me. Neither of us remember getting a password from them. I called his morning because the car that we take our son to treatment for XXXX broke down and I was trying desperately to get a loan to get it fixed. XXXX offered to give us the funds but needed to access my husbands credit file that was frozen. I called Experian at XXXX XXXX XXXX. at XXXX XXXX XXXX and got nothing but computer mazes saying I had to write to them. I finally called around and got a XXXX XXXX XXXX number. I called it several times and was finally able to get a live person. I explained the situation and she still insisted on me writing a letter. I asked repeatedly for a manager and finally got a " XXXX '' who claimed was a manager, ( although suspicious ) I explained we disperately needed the loan and I could provide a proof of my sons illness and proof of the tow bill dated XX/XX/XXXX and the repair bill estimate if needed, she put me on hold and then said I could either pay her {$20.00} to overnight a password, or mail request. I gave her may credit card to overnight the password and asked for confirmation. She said she didnt have a confirmation. I asked why since I gave her my card to pay the {$20.00} fee to overnight and she again claimed there was no confirmation. Nothing to show she was going to overnight the password I needed. She seemed only interested in money, and not helping with the situation at all. I am very disappointed that this company takes all our information and seemingly holds it for ransom on their terms. More like extortion. They allow people to steal our credit, charge us to clean it up, put a freeze on our file, and then charge us to take it off. What a racket!
I have ( 1 ) 30 days and ( XXXX ) 60 days late on my credit report. I 'm trying to re-fi my house, this loan has been paid in full and early. The company has refused to help me, the late payments were back in 2010. when payments were late we always called to get help from the company. They would refuse I was in between jobs but had always was on time.
On XX/XX/XXXX I applied for American Express XXXX XXXX XXXX credit card. They promotion they were advertising at the time was if you spend {$2000.00} in within the first 3 months you will receive XXXX bonus miles and if you spend and addiontal {$1000.00} within 6 months you will get an additional XXXX miles which would equal XXXX miles altogether. Also if you make a XXXX purchase you will get a {$50.00} statement credit. This promotion expired on XX/XX/XXXX. 
My first statement was cut in XX/XX/XXXX and I saw the I was given XXXX bonus miles before I spent {$2000.00}. I called XXXX to find out why I was given these miles and to find out more information in regards to how the program worked. He explained to me that I was under the promotion if I spend {$1000.00} in the first 3 months I would get XXXX miles. I explained to him that was not the promotion when I applied and explained the miles my account is supposed to be under. He told me he does not see anything about that promotion for my account and asked if I have proof about the promotion? How are you asking me if I have proof? I would think XXXX would keep track of these programs and apply them accordingly to each customer that qualifies. When I received my credit card there no documentation of the promotion. 
After going back and forth he told me that an investigation would need to be opened to find out the issue. I have read online that numerous customers have had this issue and kept giving them the run around about opening a investigation and that it should be completed in 6-8 weeks, they have stated they are still waiting on their miles after 1 year of the initial investigation. 
I have already reached the {$2000.00} limit and I would like my account to be put under that promotion and receive everything the promotion stated.
I receive my XXXX benefits on the Direct Express Card provided by Dept. of Treasury, and I had unauthorized charges deducted from my account. I filed a claim on XX/XX/2016 and never received a refund, response or the forms I was supposed to get. I called and was told that they would resend the forms for me to sign again in late XX/XX/2016. I NEVER received them. I keep calling to see why I have n't received the forms, updates or my money back and I keep having to give all my information to get to " Level 2 '' and then they hang up on me. This is fraudulent and I need my moneu to live. Why is it the US Treasury allows this to happen to its people? Will you help me remedy the issue?
I am working on repairing my credit, so I have been using XXXX XXXX. One of the derogatory marks, has an origination date of XX/XX/XXXX, through a collection company, called Contract Callers Inc. The original debt, being from XXXX. Any account I had with XXXX, would have been from XXXX. I called the company in question, to inform them of the mistake, but they refuse to change the date. My problem is, if they are allowed to continually change the origination date, this debt will never go off my credit. The debt is for {$1400.00}.
I filed my claim to ACE Cash Express Refund Program well before the deadline. Now the phone number does n't work and I have not received a refund.
Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
I am so frustrated. I am also very desperate. I am loosing my home. I am a single parent after loosing my husband to XXXX. He left me with XXXX kids. I had to get jobs, not a job but jobs to sustained my children. I struggle on a daily basis to put food on the table. All I am asking is for Bsi to please consider my request .I need a roof over our heads. This is the only thing both of my kids have to connect to their father. Bsi has refused to review my file and consider my request .Now my home is also worth a lot less than when we bought it. I would not be able to live with myself if I did not fight to keep our home. Please response as soon as possible.
Macys is reporting me late on  XXXX   2016 which  is incorrect. This late payment was never on there before and when they adjusted my account to remove the late payments and credit my account {$10.00}, that is when it showed up.
I was coerced into signing a contract for a " timeshare '' under false pretenses. It is not a real timeshare and I am paying money every month for something that does not give me anything free. When I want to use the timeshare I am still charged hundreds of dollars. I have stated that this is too expensive and it has put me in a financial strain and it's not even beneficial to me in the least bit. However they stated there's nothing they can do. They even reported me to the credit bureau and I'm trying to clean up my credit. When I tried to talk to them ( on multiple occasions ) about relieving me of the debt they were very rude and stated it's not their problem and I have to pay! This has been a headache for me from day one and I want out!!! I should not be forced to pay for something I can barely afford and can not use.
I have sent letter after letter to this company starting in XXXX 2016 when I first noticed this inaccurate information on my credit report. I have never had any accounts being serviced by XXXX XXXX or any of the others listed. I even contacted XXXX XXXX and they responded saying they have never serviced my accounts and in fact the only accounts they can see that I have is with XXXX XXXX ( only 2 ) and both of those are in good standing and always have been. You will see from the attached correspondence that all these accounts except for 2 must be deleted immediately as they are not mine. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX The ONLY legitimate accounts and Validated accounts I have are the following : XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$42000.00}
I co-signed both private and federal loans for my brother to go to the XXXX ( XXXX ). Within the past year he 's been unemployed and has deferred his loans. I also paid {$150.00} 3 times to place the loans in forbearance. Navient said he would n't have to pay for 3 months but within that time, they continue to constantly call both of us, send us emails and say that payments are late. Twice within the past 4 months, my brother has called to figure out a payment plan or do what was necessary so this would n't affect my credit. The first time was within the forbearance 3 mts, they said he could defer the loan until XXXX but continued to call me and when I answered they told me he never called and that I needed to pay or my credit would be affected. This was the last time I paid {$150.00} and was told a payment was n't needed for 3 mts but then the calls and harassment started again a month later so my brother called and worked out a payment plan of {$400.00} a month. He gave the customer service rep his checking account information so the payment would be automatically withdrawn from his account every month. Now we are being harassed via email and constant phone calls due to payment not being received since XXXX XXXX, 2017. They are claiming that my brother owes {$1200.00} this time to make him current. At this point, I do n't know what our options are since every month its the same run around and they keep taking our money then saying they need more to make the account current. My concern is how much money has been incorrectly accounted for, will this eventually negatively impact our credit, how much extra interest has occurred and how do we get this to stop. To add to this, Navient never documents when my brother or I have called. I 've asked what 's been documented in the account, nothing. I 've also asked for confirmation emails every time I paid {$150.00} and never received anything. Can you please help us? thank you!
The collection account ( XXXX - XXXX XXXX XXXX ) has been disputed on many occasions due to negligence of a property managment and mishandling of personal information by the company in the time of stay the lease was legally terminated with all cost expunged. I have continued to dispute this error to get it removed from my credit file but it has been to no avail. I need this issue to be resolved