WillisBack/dataset-financial-user-claim huggingface dataset:
The collection was to have been placed in hardship status, due to a household member going through a life-threatening medical situation. This account has been bounced between collection agencies, when it was to be placed in said status. Callers have also berated a household member by stating " You need more medications from the VA '', when this has to do with XXXX. Actually, the caller was very disrespectful to a member in my household. Caller also threatened to take legal action.
On XX/XX/2018 I filed a dispute through XXXX XXXX on my Transunion credit report for a {$680.00} item from XXXX XXXX XXXX. On XX/XX/XXXX At XXXX XXXX I CALLED Trans Union and spoke to XXXX XXXX a supervisor who stated my call was routed to his location in XXXX. He asked me for my full social security number and my name and address. I felt uneasy giving this man my social security number due to all the scans that are happening with the overseas scammed. I have never been asked for my full social security number over the phone usually the last 4 digits will do. I explained to him that my investigation was due to be completed by XX/XX/XXXX and I received no notification. He stated that the investigation was completed on XX/XX/XXXX but I was never notified by email, US mail or a phone call. He said the creditor confirmed the debt and there was nothing he could do. This debt was paid and the contract between the dentist and myself was canceled. There is no avenues for a consumer to take to dispute eroneous information. The credit bureau takes the word of the creditor without any proof. I have 100 % on time payment history with my creditors. This one item is causing my score to be below XXXX. I will not pay for something that was resolved. This is a form of extortion.
I co-signed on a student loan for my grandaughter in XXXX at XXXX University.I have been paying this loan since then. I have paid this for twelve years and they are only saying ive paid {$53.00}. They state they charge interest by the day which i surely dont recall being in the contract i signed. Ive paid off XXXX cars brand new in this time so that should tell you something. This loane should have been paid off, my credit report even says it was closed and here it comes again. Im a senior citizen i can not even retire with this hanging over my head. Ive called XXXX of times no one can answer questions they transfer you or hang up on you! Sallie mae sold their accounts to navient and when you they transfer you back and forth between companies. The last call was made XXXX/XXXX/XXXX i spoke with XXXX, XXXX and XXXX who just kept transfering they are incapable of answering questions or maybe theyre trained that way. At this point i feel they owe me money because ive over paid.
My name is XXXX XXXX. Yesterday XXXX XXXX, 2015. I went inside of Wells Fargo Bank on XXXX XXXX and XXXX XXXX in XXXX, Fl XXXX. My reason for visiting the bank was to get another bank card. My old one was cancelled due to misused. I was told from XXXX of the customer rep. When visited a month ago or so.. That I had to wait thirty day 's. Keep my account clear. Before I can get another card. It 's now pass those thirty days. XXXX XXXX who was helping me was not able to help nor give me a temporary card because she was told by her supervisor XXXX. The same reason the guy rep told me. Not even to bother looking further into that it 's been pass thirty days etc.. Well once I got home I called Wells Fargo XXXX XXXX number to find out why that bank would n't give me a card and to see if they could send it to me. I was told to go back into that same branch and ask to speak to a supervisor. Because they could n't understand as well why they could n't give me another card nor help me. At the time I was n't able to go right back up there. So I called that branch and asked to speak to the supervisor who was the person who answered. XXXX. She remembered me once I explain and she was n't so polite. Very nonchalant and told me that I was n't gone be able to get a temporary card not today. That she will give XXXX my information to try again and give me a call back. I never received that called back. I called the XXXX XXXX again.. To see what else can I do. And they told me to try another branch which I did. The on off of XXXX XXXX and XXXX XXXX XXXX, fl I was in and out in XXXX minutes.. No problem whatsoever! And the lady who helped me said she did n't know why they could n't help me and even ask me what bank that was. I was not pleased at all nor did I appreciate the nonchalant attitude of the supervisor at that branch.
Never notified about this account not mine fraud. Mailed letter disputing account 30 days ago and no response.They have place it on my credit report and need this removed it fraud.
On XX/XX/2018 I wanted to make a purchase online and the seller I was in contact with said they took payments through XXXX. Knowing that XXXX was already built-in to my bank 's app, I felt comfortable with that assuming XXXX had the same or similar policies in place to XXXX so that if anything happened I would get my money back. Also because it was part of my bank 's app, I assumed they would have a contract with a company that supported their customers. However, I sent {$360.00} on XX/XX/XXXX, with the seller proceeding to give me the runaround and a fake tracking number. They stated they dropped off the package on XX/XX/XXXX, but I never received the package. I contacted XXXX multiple times but they could not find any history on the package. After realizing I got scammed, I found multiple other reports of people getting scammed through XXXX. I decided to send a XXXX money request and invoice to the seller through the email I paid money to on XXXX, but they have yet to respond. My bank also does not claim to return the money to their customers as it was an " authorized '' transaction. It may have been authorized initially, but there should be some way of getting your money back in the case of not getting what you pay for. Also, I had to do my own research to find out that they do not have any protection policies in place. When I registered for XXXX, there was no disclaimer that stated their policies regarding scammers.
I recently opened an account with U.S. Bank here in XXXX, Arkansas. Since the opening of my account which has federal funds directly deposited monthly, I have observed the numerous overdraft charges. These fees ' have been compromised by banking errors. As it is known that banks can and will commit fraud by extracting funds from consumers accounts. Sometime these actions are noticed sometimes not. Thankfully, I am a type of person that pay close attention to all transactions that occur on my account. With this information my hope is that a member of C.F.P.B. will contact this bank namely ( U.S.Bank ) open an investigation to determine that fraud and unlawful activity has been noticed. Upon the completion of the investigation the funds will be refunded and I may move forward with perhaps a new financial institution. With hopes of obtaining more satisfying results.
I was a student at XXXX XXXX in XXXX, XXXX My private student loan service provider is Navient. I attempted to get on an income based payment plan to pay back my student loans and went through an income verification process in XXXX of 2015. They enrolled me in the program and took my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments directly from my bank account. On or about XXXX XXXX, 2015, my co-signers began receiving collection calls from Navient. I contacted Navient to find out why. I was advised that the employee that I originally spoke with was no longer with the company and never finished my enrollment process in the program, and that as a result, my account was considered past due because the amounts that were taken out of my account were not the full amounts that were originally due on my loans. The Navient representative told me that I had to make another payment to bring my account current, even though Navient had just taken a payment from my bank account approximately five days prior to this phone call. They also told me that because the employee never finished my enrollment process, I was " unenrolled '' in the program. I had no way of knowing I had been " unenrolled '' or that my enrollment was never properly completed. Navient never contacted me to advise me of this. I spent approximately an hour on the phone with a Navient representative again going through the process of enrolling in the income based repayment plan. I was advised that the payment I had just made in XX/XX/XXXX would be applied to my XX/XX/XXXX payment and that I would not have to make another payment until XXXX XXXX. On XXXX XXXX, 2015, I started getting phone calls again from Navient. I was advised that they could not apply my XXXX payment to XXXX, and that they wanted me to make another payment immediately, in addition to the XXXX XXXX payments. I called them back on XXXX XXXX, 2015, requesting to speak to a supervisor. I explained that I was informed that my XX/XX/XXXX payment would be applied to XX/XX/XXXX. The representative basically told me that the " processing department '' told them they ca n't do that and that I would have to make another payment immediately. I asked the representative why Navient is n't held accountable for their employees ' representations and the assurances they make to their customers. I have been advised several different things by different employees over the last few months, who continue to make false representations or fail to complete my account paperwork to rectify this situation and yet, Navient is not held accountable. At what point do I, as the customer, have any way of holding Navient accountable for the representations of their employees? This is getting out of hand and is affecting my credit.. I am trying to be responsible for my student loans and am attempting to repay them, but every time I try to negotiate with Navient, they make critical errors or make false representations and then do n't live up to those representations. Who can I contact about this?
Account has been paid in full. Optimum Outcomes forwarded my file to a law firm- XXXX , XXXX XXXX XXXX . I made the following payments : XX/XX/XXXX- {$640.00} XX/XX/XXXX- {$230.00} XX/XX/XXXX- {$68.00} These incompetent, morally corrupt lazy people have not reported this accurately to the credit bureaus leaving my credit score to be adversly affected while i am trying to buy a house. Ive called numerous times and spoke to several people and they refuse to remove this from my credit report. I have disputed this information 4 times and each time they state that the information is correct on my credit report and it clearly is not!!!!
I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : XXXX not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

CAPITAL ONE XX/XX/XXXX CAPITAL ONE XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Pro Collect. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Pro Collect in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX RE : XXXX XXXX  XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
On XXXX/XXXX/16, I opened a Citi Gold Checking Account with the promo code XXXX which offered XXXX Thank You Points for opening the account and making 2 bill payments with the account. I called Citi Bank on XXXX/XXXX/16 and talked to XXXX to verify the opening of the account and that the promo code was valid and attached. He assured me it was. By XXXX/XXXX/16, I had made the required bill payments and called to verify that I had med the requirements and qualified for the XXXX Thank You Points. I talked with XXXX and he verified that my account qualified for the promotion and that the points would be in my account by XXXX/XXXX/16. On XXXX/XXXX/16, I still had not received the points. I again called Citi Bank and talked with XXXX ( # XXXX ). She told me that she would submit a request for the points to deposited in my account and that I would received word in 3 business days. On XXXX/XXXX/16, I received a secure message from Citi informing me that they were denying me the points because I had not been targeted for the promotion. If Citi wanted to deny me access to this promotion, they should have done so on XXXX/XXXX/16 when I called to verify the account and the promotion attached, rather than after I have completed all the requirements and utilized their financial services according to the promotion.
I received a credit alert on XX/XX/2018 that a new collection was reported as derogatory on my credit report. It shows AD ASTRA RECOVERY SERV. I am unaware of who that company is and I have requested VALIDATION of the debt but have not received anything. I have tried calling the company and only got the run around. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical  verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts mentioned. Failure to positively verify these accounts has hurt my ability to obtain a home mortgage loan. Under the FCRA, unverified accounts must be removed and if AD ASTRA RECOVER SERV are unable to provide me a copy of verifiable proof, they must remove the account being mentioned immediately
We lost a house in XX/XX/XXXX. We had a HELOC on it. The HELOC sold the debt to Green Tree Servicing recently and Green Tree has parked the old debt on our credit report stating the date of last activity was in XXXX. We have not made any sort of payment on this debt since early XX/XX/XXXX when we started to loose the house and were negotiating with the XXXX lien holder to try to modify our home. I 've disputed the debt with Green Tree. The statute of limitations on this debt was 4 years and the 4 years passed in XX/XX/XXXX. We were never sued for this debt and no judgements have been issued. We have not made any payments on this debt since XX/XX/XXXX. Our true date of last activity was sometime in XXXX or XX/XX/XXXX. This is more than 7 years old and should no longer be shown on our credit report. The foreclosure from the XXXX lien holder is no longer showing on our report. Green Tree is trying to Bully us into paying an old debt by reporting to the credit agencies that it is more recent than it actually is. I have disputed it with Green Tree and they just sent us paperwork from the original HELOC and the date the HELOC was charged off by the original creditor. Green Tree shows copies of letters sent, however, we never received them. If we did, we assumed they were credit offers and shredded without opening them.
Did not receive notice of debt and right to dispute. Balance is {$640.00}. I do not know the date.
I bank with td bank, My card has been twice in a two week period and not even reached me yet. 
It took three days to make a complaint two DAYS TO PROCESS COMPLAINT AND 20 DAYS AND STILL HAVE NOT GOTTEN BANK CARD. i AM SO FED UP WITH SERVICE. SOMEONE GOES ON ON LINE BANKING AND DISTURBS ALL THE WORK THE BANKERS DO IN COURSE OF DAY.. i HAVE BEEN TARGETED MORE THAN ONE TIME IT IS AN INSIDE JOB. LOOK INTO MATTER PROMPTLY.. BANK CARDS ATM CARDS CHARGE NEED BETTER SOMETHING SO THIEF CAN NOT ACTIVATE. UN EXCEPTABLE
A student from my school offered me a job in which I would have to withdraw money from my debit card weekly, little did I know this was a scam the whole time. This student and his associates transferred money to my debit card, and forced me to withdraw all the funds. At the moment only {$2900.00} was cleared and they made me withdraw it by force. Once I did they took the complete {$2900.00} leaving me with nothing. They wanted me to withdraw {$7000.00} but I declined and reported Identity Theft. After the whole investigation, the bank says I owe {$3100.00}, but I was scamed and robbed for this money, it is unfair that I must pay this back. The bank teller should have never gave out the money there, but the money was cleared so I dont understand why I must owe this
Pennymac Loan services has been charging my loan account " home inspection fee '' since 2015. In XX/XX/XXXX, Pennymac hired XXXX to go to my property and change locks on my residence. As a result, I was unable to enter my residence. I have been living outside my residence since.
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
ON XXXX XXXX, XXXX I ENROLLED IN A PROGRAM CALLED XXXX SPONSORED BY XXXX XXXX XXXX FOR AMOUNT OF {$1900.00}. THE THIS WAS SUPPOSED TO BE ADVISORY AND EDUCATIONAL SERVICE. AFTER MANY CALLS AND E-MAILS I WAS ENROLLED IN XXXX XXXX XXXX WEEKLY OPTION ADVISORY PROGRAM THAT WAS SUPPOSED TO BE AUTOMATED BY THIRD-PARTY. I DID NOT RECEIVE WHAT THE AGREEMENT WAS I COULD NOT SET THE ACCOUNT. I ENROLLED ON THIS PROGRAM ON XXXX XXXX, XXXX AND I DISPUTE THE CHARGES ON XXXX XXXX, XXXX. THE BANK DID NOT INITIATE THE REFUND BECAUSE THEY WOULD NOT UNDERSTAND THAT I DID NOT GET WHAT I WAS SUPPOSED TO GET. AS A RESULT THERE WAS A CHARGE OF {$5000.00} TO MY CREDIT CARD WITH NEW AGREEMENT OF TERMS AND CONDITIONS THAT I DID NOT AGREE TO. WHEN I TRY TO CHALLENGE THE CHARGES AGAIN THEY SAID I AGREE TO THE NEW CHARGES BUT I HAVE BEEN COMPLAINING MANY TIMES WITHOUT ANY RESULTS. I NEED HELP SO I CAN REVERSED THE CHARGES ON THE SERVICE I NEVER RECEIVED. 
THANK YOU VERY MUCH. 
XXXX XXXX.
I am trying to do a refinance and I am working with company called XXXX! XXXX is trying access my Equifax report and credit score but it has block on them and wont report. I have called 4 to 5 times and Equifax tells me there is no problem with my report. Must be on XXXX side. XXXX is getting APPLICANT FILE BLOCKED AT EQUIFAX ERROR Code : XXXX. 
Equifax says there is nothing else they can do for me!
XXXX -credit limit not  XXXX  accounts with a balance   XXXX    still showing on report  XXXX   XXXX  -  XXXX   XXXX   XXXX  card.   Age of credit history not current.
Numerous credit cards were fraudulently opened in my name due to identity theft. I filed all necessary paperwork / affidavits / police report. Target said they did n't receive my paperwork. I resent and was told they would contact me when they received it. They forgot to contact me. They also forgot to process the paperwork. They have not forgotten to send me fraudulent bills for over {$3000.00}. They will not provide me with information on how to file a complaint.
On XX/XX/XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XX/XX/XXXX. Additionally I have submitted a sworn under oath, affidavit on XX/XX/XXXX, with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being XXXX XXXX and XXXX, XXXX, Transunion, and XXXX will risk a lawsuit with the state and federal courts for damages of this illegal activity.
I ordered a credit score from Trans Union on XX/XX/18, there is a button on the website home page that says Get Your Credit Score, after clicking and going through the process to purchase my credit score, there are no final order detail page. I learned after the purchase, Trans Union charged me XXXX for a subscription service which I did not order knowingly. I was unable to resolve the issue contacting the customer support. This is compete deception and consumer fraud through misleading website order process.

The Trans union website says : The price for a TransUnion XXXX   online is {$9.00}, or {$9.00} for a hard copy for all states plus the applicable cost of the TransUnion Credit Report. The cost of a TransUnion Credit Report varies based on where you live.
The Social Security Administration had informed me that they had sent my payment to Metabank/Netspend on Wednesday, XXXX XXXX, 2015. Usually it 's available the moment it 's sent, but has not been since. They are giving me the runaround saying it is not available when SSA is saying it is.