WillisBack/dataset-financial-user-claim huggingface dataset:
A complaint was filed against this company with the FTC and CFPB in XX/XX/XXXX in regards to a XXXX XXXX   account. The work done that was charged to my store credit account was not acceptable. I subsequently refused to pay, and the account was charged off. I was in contact with a member of the Executive Team who was assigned to handle my complaints. She stated a portion of the bill would be removed and the other portion I would be responsible for. I told her I did not accept this agreement, as the work done on the vehicle was not acceptable by any reasonable standards and I didn't feel it was right I had to pay. In XX/XX/XXXX, XXXX XXXX reported the account as charged off a second time on my credit report, in response to the complaint I had filed and my refusal to pay. This second charge off added additional time to the amount that this account would show derrogatory. In XX/XX/XXXX, a dispute was filed with Experian in regards to the additional charge off. Experian " verified '' this change and yet another charge off was reported on XX/XX/XXXX.
I was never notified of this {$1700.00} debt and they had my most recent address on the credit reporting agencies as well as active mail forwarding when I relocated out of state. This debt was reported after I had moved out of state so my most recent address should have received any notification from the debt collectors that they had received a debt from the company. The debt went straight to my credit report, severely damaging my credit. I have tried to resolve this directing through the credit bureaus but with no success.
I was part of the Equifax credit information hack. In addition to lack of personal notification that ALL of my personal and financial identity information was compromised, I find it unacceptable that I have to PAY to freeze my credit when I did NOT consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
This is a credit card that I shared with my ex husband. The card is in my name only, but he had a card with the account. One or two years ago he turned this debt over into my name. We have been divorced for 10 years now. I am no longer liable for this debt. Discover Card Services.
I never received letters from this, I paid the amount and they refuse to update my credit report. They told me I had to wait until theyre ready. 
Im XXXX because I cant get any apartments or houses.
The address of my home is : XXXX XXXX XXXX XXXX, NY XXXX This is XXXX of the last letters we have sent to Wells Fargo. 

From XXXX XXXX through XXXX XXXX, we received XXXX short sale offers on our home, all to which were within 5 % of asking price yet they were all rejected by Wells Fargo. 
From XXXX XXXX, we received over a dozen calls from Wells Fargo asking us for the HUD statement. Each time we faxed it over and each time it continued to be lost. 
In XXXX, the home was broken into and all copper piping was stolen. Our insurance company sent Wells Fargo a check for over {$11000.00} which has subsequently been " lost ''. 
In XXXX, Wells Fargo advised us to record a " Deed in Lieu '' which was consequently rejected by WFHM. 
In XXXX, we were notified the home was going into Foreclosure despite all purchasers interest and effort on our part to sell it. 
Through XXXX to Present, we have received and continue to receive numerous notices from Wells Fargo " to save our home '' through mortgage modification. 
In XXXX, our neighbor notified us that there were squatters living in the home for over a year. We finally synced up wit XXXX XXXX in your XXXX XXXX Department who assured us that she would get the house secured and confirm with it when it was done. After several attempts at follow-up, XXXX has also failed to deliver. 
We secured an expert Real Estate agent to once again try and short sell the home. Within days she presented to Wells Fargo an all cash offer. After months of being passed around from person to person, numerous emails, correcting mistakes Wells Fargo was making, the short sale was denied on XXXX XXXX, XXXX by Wells Fargo. 

The following resolutions need to occur before XXXX XXXX, XXXX : We will receive confirmation on the security and condition of the home. 
The house will be removed from Foreclosure and back into Short Sale status. 
We will be assign a Personal Coordinator that will be our SOLE contact person for all other communications and activity going forward. 
WFHM will remove any and all negative reports on our credit Very Sincerely- XXXX and XXXX XXXX XXXX XXXX We tried short sale again this summer, again rejected by WF due to a " surplus of funds ''. That surplus this past summer was small. 
We just want resolution. We want our exemplary credit back. What we had before they systematically destroyed it. 
Thank you.
I NEVER had an XXXX XXXX Account ending in XXXX. I do NOT owe XXXX XXXX any money. The Account Balance is XXXX. XXXX XXXX has all my correspondence and can provide XXXX XXXX XXXX copies. 

This is the second DEBT Collector that XXXX XXXX has sent after me. I wrote to XXXX XXXX XXXX, explained that XXXX XXXX Account XXXX is FRAUDULENT. XXXX XXXX XXXX stopped contacting me but did NOT resolve the problem. 

XXXX XXXX just assigned the FRAUDULENT Debt Account XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX is HARASSING ME.
On  XX/XX/2017 , I sent a letter to the credit bureau requesting an investigation of an account in collections that I saw on my credit report that does not belong to me. The credit bureau replied that they verified the account. So I send a letter direclty to the collection agency asking them to please send me the signed medical documents for this debt that is not mine. As of today  XX/XX/2017  I have not received a response from the collection agency, however the account is still listed on my credit  report.
I have XXXX  in points with American Express.I called them to ask what I had to do to get reimbursed for airfare.They told me to just charge it to my card and then call them back for credit.At the time I was told that my points would easily cover the airfare of $ XXXXMy airfare was booked through a travel agent/ tour operator called XXXX.I called Amex and it was very difficult to get to the right person and was told that because XXXX included my airfare in with the tour package I could not get credit as the amount was over what my points would cover.So I had XXXX reissue the airfare amount as a separate charge.So today XX/XX/18 I recalled Amex to get credit.After a few very tedious conversations I was told that my points would not cover even the {$6700.00} which I was told a few months ago it would.First of all they do not clearly disclose the value of these points.Searching on the internet it said the points are worth 1.8 % which would give me about {$10000.00} in value.I was told by Amex that the XXXX points would not even cover the $ XXXX.The reason is they discriminate against how you purchase the airfare by valuing reservations made by Amex more then other agencies.So the Amex user is disadvantaged by using a travel service other then Amex when it comes to rewards points.Of course this was not disclosed to me when I initially called them to ask for guidance.Amex has a complicated set of poorly disclosed rules set up to restrict rewards redemptions.Just a horrible customer experience for anyone.One would think that a 40+ year customer who has charged millions of dollars would get better treatment.
On XX/XX/2018, Simple Bank associated with BBVA Compass bank reflected an incorrect available balance on my account of {$200.00} which was incorrected as my account was at a low/negative balance at that time and all prev purchases were still showing either pending or cleared and no transactions were missing from my bank lender showing no indications that a previous transaction didn't post or deduct fund from my account and this issue showed to be a system issue from Simple Bank not accurately reporting my current and up to date balance. Because of their system incorrectly determining my correct balance their system allowed a pre paid card previously set up on auto payment and attached to my account via a debit to deduct funds multiple times without my authorization or any funds available in the account to cover said transactions. I have never authorized Simple Bank or BBVA Compass for overdraft services or to cover my account in case of authorizations without funds to cover and appears to be in violation of overdraft regulation. This occurred due to Simple Bank system not correctly posting transactions to make account and creating a false positive balance to allow charges to clear when funds were not available. I also have screenshots from Simple 's website and mobile site reflecting these balance. I have also been being charged international transaction fees on my account when no out of country use or authorization has been preformed. I attempted to resolve this issue with Simple Bank directly but they are refusing to make right an issue caused by system errors on their part.
This is in connection to Complaint Conf # XXXX. It is not XXXX, but XXXX. I apologize for this error. 

This XXXX mortgage was not included in the bankruptcy. Please see attachments ( pages 5 & 6. ) There are two XXXX accounts : one is home equity loan and the other one is mortgage. It was transferred to Ocwen Loan Servicing later on. Before we filed for bankruptcy, we applied for loan modification. which process took more than 2 years. The house was sold on a short sale in XX/XX/2016. I contacted Ocwen regarding the inaccuracy of my credit report about what 's included in the bankruptcy. Ocwen have immediately suppressed the two accounts from credit reporting. I am requesting XXXX to do the same. 
Thank you so much!
I requested a report from exprian and they do not remove any of the fraudulent items that were fraudulent after calling in 9 times they told me not to call back anymore and because they can't do anything but the fraudulent items are still ruining my credit
I have respectively contacted XXXX and the collection agency over and over again about an account that I have not opened. I have never had XXXX. Therefore this account shouldn't be on my report. They sold this account to Diversified Consultants and they are claiming that this is my account. I have asked XXXX to also send me proof of any contracts that I have signed or anything that they may have that could verify that it was me that opened this account. As of XX/XX/2018 I have not gotten any paperwork or anything else stating that I opened this account. I want this account removed from my report. They know it's not mines this is why its only on one report.
Upon reviewing my TransUnion credit report [ file # XXXX ] I found that the report showed that TransUnion had provided my credit file information to XXXX parties, XXXX ( " XXXX '' ) and XXXX ( " XXXX '' ). After a review of Fair Credit Reporting Act, 15 USC 1681 et seq ( " FCRA '' ) I am unable to identify any valid permissible purpose that either XXXX or XXXX would have to obtain my personal credit file information from TransUnion. 
Despite my written request XXXX and XXXX have both failed to identify a permissible purpose authorizing either of them to obtain my TransUnion credit file. 
I sent a letter to TransUnion ( see attached XXXX Letter to TransUnion ) requesting that it identify the specific permissible purpose that XXXX and XXXX each certified to TransUnion as well as the date of that certification ( assuming there was any certification provided to TransUnion ). TransUnion responded with a generic " Explanation of the Inquiries on Your Credit Report '' ( see attached TransUnion Response ). TransUnion failed to claim - as required by the FCRA - that either XXXX or XXXX certified to TransUnion that they had a permissible purpose or that TransUnion had reason to believe that it had a permissible purpose to provide those requester my credit file information.
Filed a 609 letter with the 3 credit reporting bureaus regarding the validation of an account with Avant. Avant failed to validate an account that is negatively reporting on my credit report. Avant is inaccurately reporting late payments on my report. The company stopped reporting since XX/XX/XXXX, suddenly on XX/XX/XXXX they back dated account with late payments to XX/XX/XXXX, thus dropping my score 35 points ... Avant is in violation of the fair credit reporting act 15 U.S.C.ss1681 regarding ACCURATE credit reporting!
Submitted in XX/XX/XXXX./XX/XX/XXXX my annual certification for my Income-Based Repayment plan. I was informed I could switch to the Revised Pay As You Earn plan, which I completed successfully. In order to process it with XXXX XXXX, they asked me to pay a full payment ( even though I was already approved for a lower payment amount ) as a " forbearance payment '' and it would be switched in XX/XX/XXXX. 

I was properly placed into the Revised Pay As You Earn plan and the new payment amount was also properly set for my direct debit plan. I called XXXX about a difference in my next bill of around XXXX {$160.00} ( difference between my new monthly bill and my former payment plan ) and was told it was an error in their billing software/department and would be corrected by the next bill. The next 2 bills continue to be in error still. 

I 've now called them three time about this issue, around XX/XX/XXXX/XX/XX/XXXX as aforementioned, in early XX/XX/XXXX and now on XX/XX/XXXX. All three times they say it is their company 's issue, they will put in a support ticket to have it fixed and have it expedited, and that it would be fixed in a week or two. They have failed to complete this promise at least twice. 

During my call on XX/XX/XXXX between XXXX - XXXX, I spoke with XXXX ( ID # XXXX ) and supervisor Mark ( ID # XXXX ) who stated that Mark was able to make the correction in the system after 3 minutes, while he put me on hold, and that the correction would be visible to me via my account online in 24-48 hours. He also promised that the fake delinquency would not be reported to any credit agencies until after 90 days. 

My complaint involves two major elements : 1 ) correction to their billing software, policies and procedures, to ensure that other customers do not receive false billing statements and threatening letters due to their mistakes, and 2 ) that the required " forbearance '' payment be investigated for its legality. If it is a normal occurrence, then this information should be shared widely and very often to customers who select any payment plan and again before they switch plans.
I had a contract for a certain amount of time at XXXX XXXX XXXX-XXXX but due to personal problems I was facing at the time, I asked the employee, XXXX, if she could cancel my contract starting on XX/XX/XXXX. This person who no longer works at the gym assured me that she would cancel my membership without an issue. I asked her for documentation to back that statement up -she declined stating that would not be necessary. She never again contacted me to say that my account had not been cancelled ; I took her at her word as an authority in that establishment. On XX/XX/XXXX, I emailed XXXX XXXX XXXX regarding a Letter of Delinquency I received that week of XX/XX/XXXX which called for payment of {$600.00} for the dates XX/XX/XXXX-XX/XX/XXXX which XXXX had said she would cancel a year before. I explained the situation thoroughly and requested to be pardoned for the fees due to previous lack of disclosure on their part ; I did not expect to be billed for something a year later due to XXXX 's false reassurances. XXXX, the employee I emailed, did not respond to my last email which I ended by saying, " I realize that you had nothing to do with her mistake of saying one thing and not doing it ; however, I 'd like to request an exception from your usual policies if you 'd please consider nulling my dues. With respect to your establishment, I 've had an extremely unfavorable experience with inconsistencies at the inactions of previous employees. '' on XX/XX/XXXX.
I am a XXXX year old man trying to hold on to my home. I was two months behind when I contacted XXXX XXXX around XX/XX/XXXX at Nationstar bank trying to set up a payment plan. After about an hour or so being on the telephone we hammered out a payment plan : The agreement is as follows : XXXX payment for {$290.00} Confirmation # XXXX : XX/XX/XXXX payment for {$1000.00} Confirmation number XXXX, XX/XX/XXXX payment for {$1000.00} confirmation number XXXX. 
Prior to the confirmation of the payment arrangement by Nationstar I had to be qualified on on the telephone. Per Nationstar instructions a telephone call had to be made every two months to set up the automatic payments going forward. I contacted Nationstar who gave me a confusing answer about my payments, Nationstar said they were returning 3 payments back to me of {$1800.00}? According to the payment plan which I have kept, Nationstar should have received the aforementioned payments of {$290.00} and {$1000.00} which does not equal {$1800.00}, because I have never received a escrow analysis I have no idea what the lender is holding in my escrow account to be applied to my payments. 
Nationstar in my estimation is trying to take my home illegally, despite the fact that I made arrangements with them to pay back my loan, Nationstar is breaching our agreement, and I am to old and frail to fight back.
I am a victim of identity theft and there is currently a collection account being reported to my Transunion report for a debt I did not create. 

It is under the name " XXXX XXXX XXXX XXXX '' for the amount of {$1300.00}. The account number is # XXXX. 

I mailed a dispute to Transunion on XXXX XXXX XXXX and to this date, I have not heard back on my investigation request. Transunion is refusing to delete this account from my report despite the fact that I mailed them a copy of a police report I filed with my local XXXX XXXX Sheriff 's office. 

Transunion needs to delete or block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. 

This collection company, XXXX XXXX XXXX, has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because Transunion is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure Transunion is held accountable to the full letter of the law if they do not honor my request.
TD Bank put a hold on my debit card because they said I was not in state where acct was opened. Had to call them then they said it can take up to XXXX for card to start working again. Lady at TD Bank said I needed to call them every time I would leave the state, like they were my travel agent or probation officer and not my bank. The bank dis n't call me to verify transactions or anything they just turn off my card which is illegal to do with out contacting me XXXX. I want bank fined to the maximum extent of the law for each violation
The issue reported is a wrong name spelling. My maiden name is XXXX not XXXX. My last names have been XXXX ( maiden ), XXXX, XXXX, and XXXX. I am requesting this to be fixed so I can get into a home!!
I purchased total loss protection for a used XXXX XXXX XX/XX/2012 through XXXX XXXX of XXXX. I was told when the car was totaled in an accident that I was over charged the value of the car and the GAP insurance would not cover XXXX dollars. I payed XXXX of this XXXX not knowing that the Gap insurance should have cover all of the Total loss of the vehicle. Fifth Third Bank was the lender I garunteed my loan through. They are sending me letters saying I owe them money. I have not called the number on the form because I do not want to communicat with them verbally. This claim is against Fifth Third Bank XXXX XXXX and XXXX XXXX of XXXX Massachusetts. Fifth Third Bank has admitted to 15 million settlement since they have allowed automobile dealers to charge higher interest rates to XXXX XXXX and XXXX borrowers than XXXX borrowers with similar loan qualification. Because the bank is admitting to wrong doing, why are they still requesting money from me?
Experian is getting about as horrible as its going to get when it comes to being in violation of FCRA laws. The first thing they did was I sent out a certified request for them to verify who did they get their information from about a bankruptcy on my report. They sent back a notice that says they didnt have enough info to complete the request although I included all necessary identifying information that they needed, the letter was straightforward and fairly simple. Second, they are constantly removing INACCURATE personal information, addresses, etc. but placing it back on the credit file without sending notification within the 5 days like they are supposed to. And this stuff is coming from stuff that is already reported on the report so if its being disputed it clearly is inaccurate and a lot of it is beyond seven years old. Not only that, but they are also not verifying this information but rather placing it on the report no matter who it comes from. They were sent a letter on XX/XX/XXXX indicating that XXXX XXXX XXXX were to validate their account in which they have not and the 30 days have passed yet they have not removed them from the report. They have put a debt on my credit report from XXXX XXXX and these people have yet to send me any formal written communication about this debt, I still wouldnt know anything of it if it werent for credit monitoring. They are getting to be ridiculous to deal with and I dont have these many issues with the other two bureaus. As of today I am going to fully exercise my right to file lawsuits and whatever else needs to be done to bring them in line with FCRA guidelines
I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX. When I initially spoke with someone they lied and told me that they were accredited. Had I known that they were not I would not have attended that school. I was also pressured into attending the school, when I left I had people contacting me for weeks. When I completed the necessary paperwork to attend, they told me I was not eligible for any grants and that I would have to take out student loans. I later found out while attending another institution that I was eligible for grants and did not have to pay out of pocket or take out loans. I Do n't think it is fair that I was basically taken advantage of and received a degree that is now laughed at when on interview. Fortunately I continued my education at other public universities. I hate that I fell prey to their scam. I also has a private " genesis '' loan that was paid in full. What can be done to help me with the loans that are now due for payment for a degree that I ca n't even use and Is n't even considered while searching for employment.