WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX FFEL Stafford Subsidized Loans in default. Both loans were for {$5500.00} and I owe {$3200.00} on one ( {$88.00} outstanding interest ) and {$3200.00} on the other ( {$100.00} outstanding interest ). I could only find out this information on the federal student loan website. Navient apparently owned both loans at some point, but they show XXXX loan as transferred and XXXX loan as paid by USA Funds. On the federal site, one shows that XXXX has it, but when I login, there is no information and no payment due. The other shows that it 's all still with Navient, but Navient 's website shows it 's not. I moved in 2011 during an economic hardship forbearance, and I never got any more information on repayment. Since then, I 've been trying to track them down, and I STILL ca n't figure out how to repay everything. I need some sort of straightforward information, and when I contacted Navient their response was a form letter telling me options on how to repay loans, but no specific information as to WHO and HOW I repay loans that they show as not being at Navient, even though the federal website says XXXX is at Navient.
Innovative R reported {$290.00} as owed to XXXX XXXX XXXX for disputed charges which were never resolved ). I only have a statement from XXXX XXXX XXXX showing XXXX which was disputed and I was never contacted by Innovative R
Recently XXXX inquires were removed from my credit report with Transunion as of XXXX XXXX 2016 I had XXXX inquires with a credit score of XXXX on XXXX XXXX 2016 they added XXXX inquires on my report I have not inquired recently about anything until today which should have been XXXX inquiy to XXXX. Also I filed a dispute about XXXX and the report was removed for my file as XXXX bal paid as agreed. It was just again recently added back to my account after fighting with these accounts for sometime. It has been well over 30 days the results show expired and others show that nothing was never done. I have received no notification of any kind in over XXXX days
i and my wife was renting a apartment from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX i infomed them, that becaue of job change i will be serrendring that location on XX/XX/XXXX which i did, my balance due was {$2000.00} which i told XXXX XXXX will pay, by XX/XX/XXXX they said i had to work everything out, kimball, tirey & St John LLP , i called them at XXXX XXXX to pay theysaid we can not located account, they said they will contact me after get a judgement on my and i, they sd our balance was XXXX. then over the course of 4 month we finally talk with the atty office XXXX XXXX said thay had judgement for {$2500.00} i asked how can you get a judgement without contacting me or serving us he said that wha they do, and that i have {$7300.00}, still due bring the total to {$9900.00}
I 'm having a difficult time understanding how I can send physical proof that they are reporting these accounts inaccurately and illegally and nothing is done. I am also making complaints with the attorney general because this is absolute willful negligence on their behalf. I do n't care that they have to do XXXX disputes an hour ; that 's NOT my problem. They are required to do a full investigation and they do not even have the information in their files so because I am sending the proof that they are in violation, these items must be removed immediately. Refer to my credit report to see the way they are reporting this : US BKPT CT CA SACRAMEN XXXX The date " XX/XX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct You do not have the court listed correct : US BKPT CT is abbreviated and this is not accurate
I am disputing a charge of {$320.00} from Citizens Bank for the following reasons : -The item in question is not accurately reported -Bank did not notify of the accounts charge-off -requesting verified proof of the amount owed -requesting permanent deletion I disputed a charge for {$320.00} from Citizens Bank dating back to XXXX which appears on my XXXX Report. This account had payroll checks deposited from my then employer, XXXX XXXX XXXX XXXX returned. Checks were held for a period of 10 days due to company 's financial issues causing " XXXX '' a Pay Day Loan Lender to repeatedly attempt to collect funds from the account as payroll funds were held or even returned. The account overdrew to {$140.00}. I requested the bank not allow the PayDay loan company access to the account to allow me to pay them seperately as I learned my Consumer Rights regarding illegal PayDay Loans ( N.Y. Banking Law 340, N.Y. Banking Law 373 and N.Y. Penal Code 190.40 ). I was never notified of continued attempts to draw from the account once the balance owed was paid in XXXX. I am currently trying to open a Business Checking as is required by XXXX XXXX and XXXX XXXX  Certification process and can not complete the process because of an inability to have Citizens Bank clear this from XXXX. I called Citizens Bank and was transferred to Citizens Bank collection line at XXXX. The teller : -could not verify an attempt to make me aware of the accounts status -could not verify the amount owed -could not verify to whom the account was charged-off -will not accept payment due to age of the account I contacted the past employer to verify if any other final payroll checks had been reversed. The employer could not verify and offered to resolve the situation with Citizens Bank for any *verified* amount resulting from a returned or outstanding payroll check. The Agency ( XXXX XXXX ) can be contacted at : XXXX XXXX XXXX or XXXX XXXX. When a request was made for where to direct payment, Citizens Bank claimed that it " is not collecting on the account due to its age and can not apply payment. '' Documents supplied demonstrate that XXXX XXXX ( Past Employer ) " furloughed its remaining four employees ... .was in the midst of a financial crisis in early XXXX ... hired an outside auditor after depleting its line of credit and failing to pay bills. '' Requesting permanent deletion from XXXX XXXX Without deletion, this report on XXXX prevents me from certifying my business with New York State. An inability to complete my NYS certification keeps me from collecting on current contracts which require a XXXX XXXX XXXX certification.
Equifax improperly allowed my report to be divulged without my consent by letting a dinosaur sysops team manage their infrastructure.
My credit file landed with The Office of Consumer affairs for Equifax due to mix of files with someone else which to this day they refuse to admit it Denied Access to monitor my credit file online by me or any credit monitor agency institution that offer such service by blocking acces file monitor any innacuracies that where the result of a mix file which con they mon taken possession and claim as is their Their reason Equifax is blocking my credit file does not justified why I cant have access? It is done to protect my credit file this is absurd Incorrect information on a credit report Equifax consumer reporting agency investigation incomplete Improper use of my credit report refusing me access to it Being unable to get a copy of a credit score or file ; and Problems with credit monitoring or identify protection services because Equifax putting block on my credit file Variations between the credit scores and is provide to prospect lenders has led to credit harms from this error not been corrected. These harms include those resulting from inaccurate perceptions of my credit worthiness.

Access to credit reports : By demanding rigorous identity authentication questions to which is preventing me from accessing my credit reports.

Problems disputing errors : When reporting problems disputing errors directly with Equifax. In particular with account place on my credit file that o not belongs to me. by their inability to correct inaccuracies my reports with both Equifax and creditor This issue with Equifax has delayed the process when applying for credit, forgoing the opportunity to refinance my house and my car loan delaying a valuable mortgage refinancing.

As a result because of their inability I am been force to apply with lenders who offer less favorable terms instead of having what truly I might qualify for.

higher interest costs get you to risk and the likelihoods of default due to the greater costs and difficulty of making monthly payments can let too and all because Equifax negligence of correcting error.

I have try to have Equifax understand the important for them to respect of my right as consumer they intentionally have disregard it. This rights are guaranteed by federal consumer financial law whether they like or not, if no they need to be accountable I have follow the credit reporting complaint process but let me nowhere once the process was complete, I was dissatisfied with the resolution and the result because they did not follow protocol and in most cases the issue was not fully corrected until they did not longer have an option than to correct it
I setup a payment online as I made previous payments on time with no problem. This was on XXXX I recently changed my Checking account number due to a car theft ( check book was inside car ). Went online and made ( so I thought ) payment scheduled for XX/XX/XXXX. one week later I noticed nothing was deducted out of my checking account, so I called back and they said it would take 10 - 12 business days even though I made them before and it took about 48 hours to process. The Customer service representative insisted nothing was wrong. Only to find out when I returned from vacation to find a late payment notice and an additional {$34.00} plus a {$25.00} submitting fee would be added to my account. I called back and the agent said they could not reverse the late charge due to not having a 12 month reporting history on my payments! THEY JUST BOUGHT MY LOAN, THIS WOULD NOT BE POSSIBLE!! I would like this removed from my account because I even followed up with them before the payment Due date and they did not want me to make a payment since one was processing.
I was called by a number marked " Unknown '' '' by the caller ID. This is a pretty good indication this call was not made by a representative of the court. In the call, no creditor was mentioned, nor was the name of the credit company, tactics I believe were done specifically to provide deniability. I was told I would be served papers XXXX XXXX if I did n't call XXXX regarding account XXXX. I called the number, and it is a collection agency known for somewhat shady tactics called Lionstone Holdings, LLC. I did n't give my name or information, as I have no idea what this is even pertaining.
I paid the collections, XXXX XXXX XXXX, the full amount owed. It 's still showing up on my credit report under CBE Group with XXXX XXXX as the original creditor. I 've tried to call the CBE Group and they 've told me that there is n't anything that they can do because XXXX XXXX recalled the account.
While reviewing my credit report, I came upon a GA state tax lien that was placed on my credit report. I immediately contacted the state tax office in search of answers to why this was on my credit. I was told by a state representative over the phone after further investigation she was unaware why this XXXX was placed on my credit being that my taxes was paid and no collection was necessary. I then ask if they was able to remove the XXXX and was told that they had no way of doing so and that I had to contact the bureaus that was reporting it. She offered to send a letter stating that I owed no one and to withdraw & remove the XXXX. I then made contact to all XXXX credit bureaus with the information that was given to me by the state. Experian & Equifax was very helpful & removed the XXXX immediately. TransUnion has yet to do so stating that this record is accuracte. It is hurting my score & hindering me to obtain things with my credit. I further more do not this XXXX to represent me in anyway because this is inaccurate information and I should not have it on my credit. Attached is a screenshot of the GA state tax website regarding liens on credit and also proof that I do not owe any debts to the state.
I saw a collection account on my credit that came on in XX/XX/2018 from XXXX XXXX  XXXX. This collection agency is not licensed or bonded to collect in my state. They never contacted me or anything. they just put this on my credit for XXXX I don't know the original creditor. This agency is operating illegally, they are not bonded.

I asked them in writing to verify or validate this debt and they refuse to do so
I was issued cards in error the company Capital One in this instance did n't have proper protocols in place and issued more offers and cards to me then allowed. They then tried to guide there error in the name of fraud when in fact it was a computer error. My issue was and is that I closed down my other consumer accounts and have no recourse because of Capital Ones errors. So they have no mechanism in place to rectify my situation and may close down my accounts.
I owed about {$1400.00} to a Urologist for a time when my insurance had lapsed for a period of a few weeks. At the time I had been paying XXXX but was about to have employer based insurance. The doctor told me he may write it off. This never happened. Later I found out they had turned this over to a collection agency and had stopped allowing me to see my physician. I immediately agreed to pay what I owed to the doctor. Recently I questioned the amount and somehow it conflated to {$1800.00}. I asked why. They explained the debt collection agency charges 33.33 % interest so I 'm paying for the debt collector. I was under the impression I was only to be billed what I owe and that it is not my responsibility to pay for the debt collector.
I contacted this company over four months ago ( XX/XX/XXXX ) when they initially contacted me about this issue. I explained to them at that time that this bill did not belong to me. They told me at that time that that their records indicate that it did belong to me. I told them I would not pay something that I didn't do. They said well we show records that it belongs to you. I asked them for some sort of proof that it belonged to me and they never provided it. I told them I'd be willing to settle ( EVENTHOUGH I NEVER USED THEIR SERVICE OR WENT TO THEIR DOCTOR ) and I'd call back once I got paid. When I called back they told me they never agreed to a settlement that the total amount was due. I then told them they are liars. They are only trying to get money out of people to then threaten them to put things on their credit and ruin their credit rating ( which has now happened to me ). I request that this company MEDICAL DATA SYSTEMS INC remove the debt from my credit report as this does not belong to me. And even though I was willing to pay moneys I didn't have and didn't need to to maintain my solid credit history, that they would still try to take advantage of me, is not right and should be against the law. Please help me resolve this issue.
I am at a loss of words. Long story short, I signed up with TransUnion to get on top of my credit. I then discovered that someone ( who i actually know ) took out a {$50000.00} loan in my name. Frantic, I call TransUnion, to get nowhere. I cant understand anyone. I asked multiple times to be transfered to a supervisor, and that just did not happen. The people here do not speak english. They are not equipped to handle these situations. They could barely understand me when I tried to give then my social security number, let alone tell the slightest bit of information about this XXXX loan in my name! I have XXXX questions, and the agents there and barely understand what I am saying. I need help. Please. There is fraudulent activity and I am a victim of identity theft. I do n't have any other numbers to call..who else do I go too? I am feeling like i got scammed all over again.
Dear sirs, My name is XXXX XXXX, XXXX. XXXX and I am writing to you on behalf of XXXX XXXX, XXXX. XXXX XXXX has a bank account with KeyBank in XXXX, Ohio, which refuses to release the fund to her. Briefly about the background - XXXX XXXX XXXX had a sister, XXXX XXXX who passed away on XXXX XXXX XXXX and XXXX XXXX was declared the heir of her late sister 's funds on that very same bank account, as they were both joint owners of the account. She first requested the bank to close the account and send her the money in XXXX of XXXX. The bank ignored her requests and continues to do so to this day. It took XXXX XXXX XXXX a year and a half to get Keybank to respond to her numerous phone calls and faxes. After all that time XXXX XXXX XXXX of Keybank responded to her email, saying on XXXX XXXX XXXX that all her documents are in order and that " the account will be close in XXXX3 business days and the check will be mailed to the address on file. '' The check still has not arrived.
On XX/XX/2017, I submitted an email to the management of XXXX XXXX, XXXX XXXX, indicating that I, XXXX XXXX XXXX, intended to leave the apartment early if possible due to constant fire alarms ( 43 notices in 18 months lease ), which is 3 times a month. This made the apartment unusable. The management of XXXX XXXX, XXXX XXXX, acknowledged in an email dated XX/XX/2017, that my lease expired XX/XX/2017 and that should I leave early I would have to pay an early termination fee. I choose not to leave early and fulfill my original lease. This written email constitutes notice and intention to leave under VA XXXX, the RTLVA, Section 55-248.6.
XX/XX/2018- I purchase office equipment in the amount of {$1700.00} with my XXXX store card. Items on this order were returned by to XXXX on XX/XX/2018 credit for {$580.00} given on XX/XX/2018. Final part of order was returned around XX/XX/2018. XXXX issued a credit on XX/XX/2018 for the total amount of purchase {$1700.00}. I have reached out to company on XX/XX/2018, XX/XX/2018 and XX/XX/2018. and certify letter on XX/XX/2018. The company is stating the company I purchased from has not issued a credit. I have provided syncbank the issue of the credit card. 1 proof of return 2. proof of credit from XXXX and proof of credit for merchant
In the month of XX/XX/XXXX my employer XXXX was involved in Hurricane Florence. I informed Capital One of this information and they initially agreed to assist me and not report my account as delinquent. I was out of work from XX/XX/2018-XX/XX/2018 and was not able to make any payments toward this account or others. I also was told that I would be alright until I returned to work. 

Capital One negatively reported to the 3 bureaus that I was delinquent in my payments and because of this I was denied a vehicle loan by my bank. Capital One failed to properly investigate this circumstance and would not take any accountability for the inaccurate reporting that took place for month of XX/XX/XXXX, or XX/XX/XXXX. It is not right and the other companies in which I hold cards did not report missing payments. I was told that this could be removed from my reports.
i ask chase credit card service to close my account ( all cards ) in XXXX..they refuse to close all of them..they lied that balance transfer were made, later to find out it was not true.now, they refuse to send my card to collection and it sits collecting fees, late charges, interest charges.i tried to make a settlement with them. XXXX.that was the balance when that card was to be paid off by another company. ( lied abt tthis card and they had the other company pay off a lower card balance, while lieing to me that all cards are closed .they intentionally made it very CONFUSING and having customer service from and in XXXX handle my calls about this..they are playing a scam o me to get this card in the XXXX dollars..i ask that someone do something to stop ths and the card go into collection.
A collection agency claims that I owe them {$230.00} ( medical bill ) and it 's effecting my equifax score. I 've never received any kind of bill, mail, or emails in regards to me owing money to them. I 'm trying to find out who gave it to the collection agency.
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
My complaint is about TD Auto Finance. First of all, they always begin their customer service calls by stating that they are America 's most convenient bank. That is a flat out lie. They do n't invest enough in customer service because it is next to impossible to get to the within a reasonable time on the phone ... Unfortunately, I financed my vehicle with these guys. Last year I was involved in a car accident. There was a miscommunication on the part of the body shop in giving me some more time to come up with the money to repair the vehicle. The body shop contacted the bank before our agreed term and TD came to impound the car around XX/XX/XXXX, 2017. The bank never gave me a call and did not notify me. I found out through the body shop that the car had been taken. I contacted the bank to find out whether I can get an extension until XXXX to pay off the amount an redeem the car. Since I had not missed the monthly payments with the bank and due to the unusual circumstances, they agreed to give me until XXXX. I gathered my money and called the bank again in XXXX to make sure that the car had not been sold and to tell them I had all the money to redeem the car. They told me that the car was being held. I proceeded to make the full payment and asked where my car was. The bank then told me that my car is at an auction two states away and I needed to pick it up! After doing some background research, I found out through the vendor that the bank hired to do the delivery of the car that they never put a " hold '' on the vehicle. The vendor confirmed that there was no record of a hold being on my car and that they delivered it to the auction. I reached out to the bank and they were not able to explain why they failed to communicate with the Vendor ... TD AUTO FINANCE is perhaps the worst of its kind. I have had many cars financed through various other financial institutions but by far this place is the worst. I am sure that there are many cases like this. Please investigate these guys, they are hurting consumers with the incompetence.