WillisBack/dataset-financial-user-claim huggingface dataset:
I have {$530.00} bank fees due to a XXXX error. I contacted XXXX and they stated they would provide me a letter by email to give to Compass. I waited two weeks and never received the letter. They continued to submit for payment out of an account that I requested that compass close prior to the error. I contacted compass to o let them know the drafts were without my permission and requested that I receive a reversal of fees and to not allow any more drafts were I would receive more NSF and other fees. I contacted compass several times by email and by phone. They continue to allow the drafts and continue to charge me NSF. I was told by they fraud department that it was up to me to talk to the merchant I explained that I tried several times and they have not fixed the issue. Compass still had not done anything regarding the credits or closure.
I contacted Ability Recovery in reference to a fraudulent XXXX University account that is now in collection with them. I have never attended XXXX and this account was fraudulent. Per my email conversation with XXXX XXXX XXXX, this account was to be deleted from my credit file. As of XX/XX/19, this fraudulent collection account is still reporting on my XXXX credit file. Per XXXX, this account is valid per Ability. This is not my account and this collection is causing a major detriment to my credit file.
I was recently made aware of an account that was placed in collections. This was my first time hearing of this debt and there was no validation made. I requested documents proof and that the item be deleted from my record whilst being investigated. On the document that was submitted, it indicates that I had primary insurance and so I am not sure why I am being billed by the hospital. Much more, I do n't recall being at XXXX XXXX since I have not lived in XXXX XXXX in close to a decade. Pursuant to the debt collecting act, validation of the debt should have been carried out prior to listing this account.
I am an XXXX XXXX XXXX XXXX currently serving overseas. I recently received a copy of my credit report. The credit report showed the CRAs TransUnion, XXXX and XXXX are reporting inaccurate information on my credit profile, even after I have sent them thorough proof, that they are reporting inaccurate info. They have not investigated the accounts properly. All three bureaus are in violation of FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case 115 F.3d XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX ). 

I have sent a number of documents proving the following facts. 
I AM an XXXX XXXX XXXX CURRENTLY serving overseas XXXX XXXX XXXX Loan for XXXX has been paid off having a XXXX BALANCE since XX/XX/XXXX but they continue to report it as an unpaid collection XXXX XXXX XXXX is a {$900.00} debt that was created fraudulently. XXXX XXXX claims to have sold the debt, yet the company that the account was sold to REMOVED the account from my credit profile.
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11 As a result, I have been gravely affected and my score is suffering as a result. No written notice was ever given to me that Transunion was going to reinsert info onto my credit report without my knowledge, which is also a violation and I am requesting that all inquiries be removed.
1. My address has no apartment # XXXX XXXX XXXX is all. 
2. I have never resided in XXXX, NJ. Please remove this. It was ex husband 's address who has been deceased for 14 years. 
Thank you for your attention to these corrections. 

XXXX XXXX
I ordered a dresser using my XXXX XXXX Citibank credit card online at XXXX XXXX XXXX on XX/XX/2018, the amount was {$330.00}. They sent me an email on XX/XX/2018 saying that they would deliver on the following Monday, XX/XX/2018. They delivered on Monday, but right after they left my house I recognized one of the leg was broken. I called the delivery team back from my driveway to come back. They agreed and took the dresser back and called their company immediately. They told me that they would re-deliver a new one on the following Thursday. I then received an email on XX/XX/2018 saying that the re-delivery would be on Thursday XX/XX/2018. They never came back. 

I provided Citi bank credit card dispute department all the information and emails that I had with this company, showing them the company sent me an email saying that they changed the delivery date to Thursday XX/XX/2018, meaning that they were supposed to come back. 

I called the company everyday, sent them emails /messages via their websites and no reply. I searched online for their store and first thing I saw was that their company was a scam/fraud. Many people bought furnitures from them and never received their furnitures, or they charged people 's credit cards without authorizations. Citibank didn't do research and all they told me was they couldn't rule on my favor because I need a credit slip/charge back slip from the company in order to get my money back. I then contacted Citibank multiple times, asking them to do research on their end on this company. Their website is no longer active and they never picked up the phone. I was communicating with Citibank multiple times and at the end they still told me the same thing that I need a charge back slip from the company in order to get my money back even I explained to them the company appears to be shut down and how can I get a charge back slip from a company that is no longer active. I can't contact them. They appeared to be a fraud, why would a fraud company give their customers a charge back slip? 

What kind of protection do they offer to their customers? I paid {$330.00} for something that I never received, and Citibank never spent the time to do research and protect their customers. This company is a fraud and Citibank still says there's nothing they can do. 

This is the company 's website : XXXX XXXX XXXX This is what I found online regarding their company : XXXX : XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  When I received the letter from Citibank saying that my credit was reversed and that I have to contact the merchant for a credit slip or chargeback approval letter, I was very frustrated. I ordered something which I have never received, not to mention the time that I wasted calling them everyday. How can I even get a credit slip from them if their company is closed and website is down? If they are willing to provide me with a refund then I wouldn't even have to file a dispute. 

I have been a loyal customer to Citibank, and they really disappoint me that I decided to switch to another credit card company instead. 

Thank you so much for your time and patience.
Under the Fair Debt Collection Practices Act Western Shamrock corporation is in violation of the law. Western Shamrock corporation has not validated any debt that belongs to me XXXX XXXX, therefore under the FDCPA Law Western Shamrock corporation can no longer collect any payments, and are not to report any negative entry to the credit report agencies in pursuant to the FCRA. Western Shamrock corporation has failed to validate the debt. You are in violation of the FDCPA law an can be sued because no contractual evidence has been proven to show that the debt belongs to me.
I have been trying to get the released tax lien from 2001 Outdated information. I 've written letter after letter. HELP I 'm trying to buy my family a home!
MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT SINCE IT WAS A SHARED BANK OF MAILBOXES AND SOME FRAUDULENT ACCOUNTS LISTED OUR OLD ADDRESS. UPON RECEIVING SUSPICIOUS FOREIGN BILLS AND COLLECTION NOTICES AT OUT NEW ADDRESS WE PULLED OUR CREDIT REPORTS TO SEE WHAT WAS GOING ON. WE DISCOVERED IDENTITY THEFT AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES. INDEPENDENTLY WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE ID THEFTS/FRAUDULENT ACCOUNTS, NOTIFIED ALL THE APPROPRIATE CREDITORS VIA CERTIFIED MAIL, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE XXXX XXXX XXXX XXXX AS WELL. ALL OF THE CREDITORS OF THE FRAUDULENT ACCOUNTS EXCEPT XXXX XXXX AND THEIR COLLECTION AGENCY SUTTELL & HAMMER HAS HONORED OUR IDENTITY THEFT REPORTS AND OTHER CERTIFIED DOCUMENTS. THEY CONTINUE TRYING TO COLLECT ON THIS DEBT DESPITE ALL OF OUR NOTIFICATIONS AND NOTARIZED AFFIDAVITS THAT THIS DEBT IS NOT MINE. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS THIS FRAUDULENT XXXX XXXX ACCOUNT XXXX BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED BY THEIR COLLECTION AGENCY ( SUTELL AND HAMMER XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ). 2 FRAUDULENT XXXX XXXX ACCOUNTS WERE OPENED IN MY NAME AND LISTED ON MY CREDIT REPORTS AND ID THEFTS AFFIDAVITS. ONE WAS DELETED WITH NO ISSUES YET THESE ORGANIZATIONS REFUSE TO HONOR THIS FRAUDULENT ITEM. *****IN ALL OF MY REPORTS FILED I HAVE NOT LISTED ANY INCORRECT FACTS, I HAVE NOT MISTAKENLY FILED A REPORT, AND I HAVE NOT BENEFITED FROM ANY OF THIS FRAUD. ******
I have never had a late payment on my credit ever. I signed up for a cap1/mnrds account on XXXX XXXX XXXX on my 6th payment the reported me lage 30-59 days late. I never recieved a statement and I had called numerous times why I had not gotten the statement. I was advised to wait until i got my next statement. I recently signed up for XXXX and noticed this error on my credit. I contacted capital one and they said to make the complain to the credit bureau and refused to help me.
I am the durable power of attorney for my son. I have filled the DPA paperwork with Navient over 2 years ago. I have called repeatedly in response to mail only to be told multiple things, they do n't have th e DPA  on file, that it has expired ( they were reading the expiration dat e of the notary 's commission ), that they are unable to speak with me regarding the loan becasuse I am not empowered to deal with his loan, that I have filed the wrong paperwork, that they do n't have a valid signature, etc. This is just trying to renew his income-driven repayment plan for this year. The same thing happened last year. I am resubmitting paperwork again today per their request. There is no one at Naviet that I am able to speak to or who has corresponded with me that that is empowered to resolve this matter.
I have been in contact with XXXX XXXX from Reliant Capital Solutions on behalf of XXXX XXXX University beginning before XXXX XXXX, 2017. I have spoken with him concerning my defaulted XXXX loan. I explained to him that I recently entered into an income based repayment plan for my other federal student loans. He advised me to complete a loan consolidation. He also stated that he would walk me through the process. After looking up the consolidation process online I noticed it may not be in my best interest at this time. I advised XXXX multiple times that I am working with my sister on the best option for me as far as my student loans. I am more comfortable working with her. He is continuing to call me every day from various numbers ; XXXX & XXXX to list a few, after business hours XXXX-XXXX EST. At this point each time I take a call from XXXX he gets more and more rude and agitated that I will not complete the consolidation with him over the phone. " At this point I can not keep putting this off any longer. I am trying to help you. I will have to mark the file as a refusal to pay the $ 3,000+ for the loan balance '' his exact words. I advised him again that this is NOT a refusal. I am working with someone to figure out the best means for me to pay the loan. I can not afford to pay the full amount at this time and am working on a repayment plan. I am working in public service and am trying to see how that would affect me before consolation which would ultimately increase my monthly payment amount exceeding my allowable income to expenses ratio. I advised him that I have his contact information and will reach out to him once my decision is made. It seems as though he is trying to get me to say I am refusing to pay. He is trying to rush me into making a decision that will affect ONLY me. It is very harassing and I have never been treated this way. This is not a good representation of XXXX nor his company. I have call records of all times and dates.
In 2013 I was hospitalized on an emergency basis at XXXX XXXX XXXX and incurred over {$100000.00} in medical expenses. I signed XXXX financial agreement, and XXXX billed the charged under XXXX account, and sent me XXXX bill. 

XXXX assigned the billing to California XXXX XXXX who has listed the debt as XXXX SEPARATE DEBTS on my EXPERIAN Credit report. I have disputed this, yet Experian continues to falsely report XXXX SEPARATE accounts as being delinquent.
I filed bankruptcy in XX/XX/XXXX ; my car loan through Santander from XX/XX/XXXX was included in the bankruptcy. The debts were consolidated, and I applied for a car loan again through Santander to begin working on my credit. We successfully discharged our bankruptcy XX/XX/XXXX ; however, Santander locked me out of my online account for my NEW car loan, and stopped sending me bills. The only way I can pay is to call them ; this good credit also does NOT appear on my credit report at all. I 've called three times, and my bankruptcy law firm has called once, but the company says it is up to them whether to send information to credit agencies or not. I think they are confused as to which account I am referencing. I am not sure what to do ; I am currently sending a certified letter, but other than that I do not know what to do. I wanted this loan to help my credit. 
Thank you, XXXX XXXX
I received a notification that I owed a balance for XXXX from a collection agency, Enhanced Recovery Company , LLC. I called and paid the amount requested and asked the representative if this would be reported to my credit report. She stated NO because I paid it within 30 days. A few days later, the collection appeared on my credit report for all XXXX major reporting agencies. I called the agency again and spoke with a supervisor that told me the collection would be removed from my credit report. After another month, it was still reporting and I called the agency again. This time the supervisor I spoke with said they would need to listen to the previous calls and if I was told that it would not appear and be removed, they would take it off. He also promised to call back within XXXX hours which did not occur. This collection is still reporting on my credit file after being told XXXX times that it would not be added and would be removed. This collection needs to be removed from all XXXX major credit bureaus as promised by this company.
I have been paying for 10 years interest only on a XXXX and XXXX loan.  After a divorce I was able to purchase my current home, but was put into these interest only loans.  After 10 years on paying, XXXX notes on time and never late...they XXXX have changed from interest only - principle and interest only.  My XXXX loan is at a good interest 2.625% which I'm able to make along with the association fee.  My XXXX is the problem at an 8.875% interest, was paying XXXX and has jumped to XXXX XXXX my payment effective XX/XX/XXXX.  I cannot make this payment.  I have tried to ask for help with my XXXX mortgage directly, but they will not help in re-financing the XXXX loan only.  I don't qualify to re-fi the XXXX loans because I have no equity on my home.  I asked the XXXX mortgage if they would consider a principle reduction or forgiveness and they said NO.  For the past 10 years I have paid them responsibly and never been late or ever missed a payment, and now they will not help in any way, shape, or form.  I'm dis-trout in considering short sale and losing my home and having to walk away with nothing.  More so my credit which I have worked my entire life in maintaining an excellent credit and is effecting me to know that my credit will be damaged if I proceed with the short sale.  I have called and have exhausted all avenues to get someone to help me, but no one can.  That is my current situation.  Thank you very much for your attention to this matter!!
I received a low credit score and did not understand why. I pulled my credit report and found that I my XXXX account had been sent to the credit reporting agencies. It was a bill for {$37.00} that I never received a bill for. I contacted XXXX at that time to find out why I had never received a bill. They replied that my account has a returned mail restriction on it and they could not send me any mail, this is why I have not received any mail from them. I do not know why that would have happened because I have never put any kind of restriction on my account, and I would never tell any creditor that they could not send me mail. As soon as I discovered that I had a outstanding bill out there I paid the bill and requested that they inform the credit agencies that it has been paid and to ask the credit agencies to remove it from my credit reports. They referred my to their legal department. I would like to dispute this action on the part of XXXX because I never received a bill and nobody from XXXX made an effort to contact me about the past due balance. I did not ask or request any kind of restriction to keep them from sending me a bill. I am sending the replies I received from XXXX acknowledging these facts
In XXXX XXXX my wife became medically XXXX and was unable to work. We were no longer able to pay our mortage. We performed a short sale on our home in XXXX, XXXX. The XXXX lien was held by GreenTree Serving. In spite of repeated assurances that the short sale would satisfy our account, the company did not provide a settlement statement at closing and mailed a letter stating we still owed $ XXXX postmarked ON THE DAY OF CLOSING. They began harassing us for the money, calling us day and night, and they wanted us to pay all that money at once. We had to get a lawyer to stop the harassment. Nothing was reported on our credit from that point on. Two years later, our financial situation greatly improved, the VA had declared me XXXX XXXX and I received a pension and my wife had received a legal settlement as a result of her medical circumstances. We were able to buy a home again ( VA standards are to wait for 2 years after a short sale ). But the second lien was still listed as open. We tried to get the company to remove the derogatory information but they refused. We ended up settling the amount for $ XXXX. In our settlement statement we made sure that the date of settlement reflected XXXX XXXX. GreenTree began reporting that we settled in XXXX XXXX, which greatly damaged our credit and prevented us from qualifying for a loan. With a settlement statement in hand we attempted to dispute the date with all three credit bureaus. The credit bureaus ignored our documentation and used what GreenTree told them, that the settlement date was XXXX. GreenTree pretended that it was n't their fault, that it was the fault of the credit bureaus. It took several months of disputes to finally get the credit bureaus aligned to reflect the correct date. We were able to get a loan in XXXX XXXX. By then interest rates had risen over 1.5 %, and the market had appreciated over 20 %. This unethical behavior by GreenTree cost our family over $ XXXX. As soon as our loan was processed, the credit bureaus " magically '' began reporting the XXXX date again. We disputed several times and were only able to fix XXXX of the bureau reports. XXXX is correct, the other eliminated the account altogether, but a XXXX continues to report the inaccurate date. The XXXX bureau refuses to accept our documentation and claims the date has been verified by GreenTree. This company has put us through years of emotional stress and have directly affected our financial situation - tenuous as it is in our recovery from XXXX. 

GreenTree has still asserted recently that their report of the XXXX date was accurate in spite of internal emails and a settlement letter disputing this.
XX/XX/XXXX WELLS FARGO DEALER SERVICES REPORTED TO ALL THREE CREDIT REPORTING AGENCYS THAT MY PAYMENT WAS LATE. WHEN I SPOKE TO THEM THEY SAID IT WAS A MISPLACED PAYMENT AND I HAD TO REISSUE THE MONEY. I REISSUED IT AND WAS LATER CONTACTED THAT THEY HAD FOUND IT AND WOULD FIX THE CORRECTION BECAUSE I WAS NOT RESPONSIBLE FOR THEIR MISTAKE XX/XX/XXXX I TRADED MY CAR IN TO XXXX. XXXX PAID OFF THE LOAN TO WELLS FARGO DEALER SERVICES. THE LOAN WAS CLOSED OUT AND THEY REPORTED LATE REMARKS ON MY CREDIT WHEN I WAS NO LONGER RESPONSIBLE. 

I RECENTLY CALLED IN TO QUESTION THEM AND ASK THEM TO REMOVE THE NEGATIVE INFORMATION BECAUSE IT WAS INCORRECT. THE SUPERVISOR AT WFDS TOLD ME THAT THEY ARE NOT GOING TO MAKE ANY CHANGES AND I CAN CONTACT THE CREDIT BUREARUS AND IF I FEEL LIKE THIS IS SERIOUS ENOUGH I CAN HIRE A LAWYER. 

I JUST WANTED THE INACCURACIES FIXED BECAUSE I HAVE NEVER BEEN LATE ON ANY CAR PAYMENT EVER. AND FOR ME TO SUFFER BECAUSE OF THE FALSE INFORMATION REPORTED IS WRONG. 
WELLS FARGO IS WELL KNOWN FOR DOING FRAUDLENT THINGS AND I DONT THINK IT IS RIGHT THAT CUSTOMERS HAVE TO SUFFER BECAUSE OF IT.
The first loan date was XX/XX/XXXX. The last loan date was XX/XX/XXXX. Total amount of loans = {$81000.00}. 
I believe I have been cheated by either the Dept. of Education or Navient ( Loan Servicer ). I was lead to believe that my Student Loans to XXXX College ( a XXXX School ) would be completely forgiven due to the school being closed for cheating. After consolidating my loans so that they could be forgiven, only about 30 % of my loans were discharged, leaving me with a balance due of {$56000.00}, which I can not pay. I suspect that either Navient did not credit me for the full amount discharged, or that XXXX XXXX, the new Head of the Department of Education, has had an impact on the amount of forgiveness allowed. I do not trust either institution. I have lots of documentation justifying my expectations and what was actually delivered.
My wife and I have been negatively impacted significantly by XXXX erroneous reports. They have reported that I was late on my payments, or missed payments with them. This is absolutely false. I have never been late, nor have I ever missed a payment.
I purchased a vehicle from XXXX XXXX on XX/XX/XXXX, and never received notification from any lender to make payment. On XX/XX/XXXX I was called by fifth third bank by their collections department stating that I was delinquent. I communicated that I knew that I had a auto loan, but had not been notified in writing and made that request. 
The CS stated they could not send anyting in writing, but could take payment over the phone. ( I do not give or send money over the phone because someone calls and does not properly identify the business in writing and I can vet the information ). I got to the office on XX/XX/XXXX and spoke to customer service and requested a payoff and immediatly sent this via mail. ( As they refuse to take payoff via bank draft ). I am still getting calls from this banks collections department even after I have sent the payment in full. Just disgraceful treatment from a incompetent bank that is not following the law.
Received a Robo Call from XXXX, an Illinois number, but the message stated it was Weinberg Mediation Group ( according to their website, based in New York ).

Message states, " This is a final courtesy call from the Weinberg Mediation Group. Before reporting that you've been uncooperative in the investigation against you ... '' ( pause ) " If we do not hear from either yourself or your legal representation today, we will be left with no recourse other than to report your noncompliance with this issue to the proper jurisdiction. Our office number is XXXX. '' ( repeats number ) The number in the message also does not match what is on the Weinberg website so I did not call it back.