WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017 I had an outstanding balance of XXXX On my XXXX XXXX Credit Card. I paid off the full on the card and request that credit card be closed since I already had another XXXX XXXX Credit card. I was in the process of making a purchase about 3 months ago, when it came to my attention that the above mention Credit Card has a one 30 day late on XX/XX/XXXX and two 60 days on XX/XX/XXXX and XX/XX/XXXX. I called the Credit Card several time to try to understand why I was showing any late when I had paid off the account and closed it in XX/XX/2017. No one could not explain the reason why is this reflecting in credit. I called several times to try to get this error clear from my credit report, requested to speak to a supervisor but XXXX XXXX representative leaving me hold for a long time that I had to hang up the phone. 

In regards to First Federal Credit Collection. this is a collection that was paid by my employer because of an injury caused at work.
On XX/XX/2014 Santander Consumer USA reported a 30-59 day late defame remark on my credit report. Loan has allways been on time and Santander failed to provide evidence proof of late on following statement no correspondence has been provided. Via phone, email, or statement incorrect remark please remove.
I checked my credit report daily ever since I was informed by my credit card XXXX XXXX XXXX on XXXX XXXX, XXXX that someone stole my identity and opened several credit card accounts fraudulently. The suspect used a fake address XXXX XXXX XXXX, XXXX California to obtain these credit cards and avoided captured and payments. I noticed the suspect began obtaining these credit cards since XXXX XXXX and committed the crime of theft in XXXX California. On XXXX XXXX, XXXX I noticed the suspect opened a Macy 's credit card account number XXXX based on the credit report XXXX sent me. I disputed the fraudulent charges due to identity theft and the fact I have NEVER lived in XXXX, California. I contacted Macy 's on XXXX/XXXX/XXXX and spoke to the Fraud Department at ( XXXX ) XXXX. I spoke with XXXX ID # XXXX. I told XXXX that I have been a victim of Identity Theft since XXXX XXXX, XXXX and the suspect has been using my name, date of birth and social security number to obtain credit cards since XXXX XXXX. I told XXXX all I want to do is to restore my identity, my excellent credit score of XXXX points and reputation again. XXXX asked me several security questions and told me that he was going to send me a list of documents to fill out so that he can conduct an investigation. I told XXXX that I will cooperate with him and Macy 's in order to restore my identity and excellent credit score of XXXX points. Today is XXXX/XXXX/XXXX at approximately XXXX hours ( Pacific Time ). I have NOT received any documents from Macy 's at all in the mail box. I tried contacting Macy 's at ( XXXX ) XXXX and at ( XXXX ) XXXX. All Macy 's did was to put me on hold for over 30 minutes and almost one hour and still I did NOT get any assistance or help that I needed. I am very upset with Macy 's on how it treats customers. I contacted Macy 's at XXXX hours on XXXX/XXXX/XXXX and spoke with XXXX. XXXX tried to get someone to assist me but she failed. I told XXXX that I have been calling the Fraud Department at ( XXXX ) XXXX for over 2 hours and still no one was there to assist me or answer my calls. I am very upset for the long hours of waiting period with NO assistance.
Pennymac my home loan said that i put my mortgage on hold. on my credit report but that not true
On XX/XX/18 I sent XXXX  a letter asking them to validate these alleged debts. On XXXX XXXX I received a letter from them saying they didn't see any inaccuracies on their end. As you can see in the letter of validation I sent them they didn't provide me with anything I had requested. XXXX  failed to validate the alleged debt. Also, XXXX  is also NOT allowed to be collecting debts in the state of Texas. They don't have a bond or a license in the state of Texas. Not only has this company been reporting to each credit bureau every month, they are still trying to collect this alleged debt when they legally are not allowed to in my state. I attached all the letters and a screen shot of the Texas Secretary of State website showing this company is Not legally allowed to be collecting debts in my state.
I have a consolidated student loan with Navient and have been paying on it for roughly 20 years. The original amount of the loan was {$42000.00}. During the course of repayment of this loan I 've encountered some economic hardships along the way. During those times, the loan was put into deferment. Things are good now, and I 've been making steady payments for the last several years.     To date, I have made payments totaling {$89000.00}.     That 's not a typo. {$89000.00} for a student loan.     It gets worse.     Over the course of the loan during economic hardships and calculating capitalized interest, only {$5800.00} in total has been applied toward the principle. I have the  Navient  generated spreadsheet confirming this.     To pay it all off today would cost an additional {$48000.00}.     My interest payments fluctuate, depending on which day I pay. If I pay on  XX/XX/XXXX , the actual interest I have to pay Navient is more than if I pay on  XX/XX/XXXX  , m eaning less goes toward the principle. Is that legal?     During the aftermath of Hurricane  XXXX  I received unsolicited calls from Navient asking me if I wanted to reduce my monthly payment. I said I sure would, and now I 'm paying {$650.00} per month, and, depending on the day the payment is made ,  $  XXXX  -  {$450.00} goes towards interest. I was never properly advised by the lender that my payments would increase eventually. Navient practices are deceptive and predatory.     I am unsure how to proceed, but anything you can do to bring attention to this matter would be greatly appreciated.      Kindest Regar ds,   XXXX   XXXX    University Class  of  XXXX
My bank says it does not report to transunion, only XXXX and XXXX. 
Transunion lowers my score significantly as it shows no good credit from my bank. 
They said it 's up to me to get my bank to send in all my good on time and paid off loan information, and my bank says they refuse to report to Transunion! My score is low due to this issue when the other XXXX show all my good credit. Should n't Banks report to all XXXX? 
Why should my credit be hurt because a bank refuses to contact Transunion, is n't there a law to protect us from this lack of reporting?
XX/XX/XXXX, I submitted a CFPB dispute and PRA responded back to my CFPB complaint with the verbiage that they are not in fault and they alleged that the Credit Reporting Agencies are at fault. After compiling research this is common tactic and practice of PRA. There are numerous compliments with the XXXX  and the CFPB of PRA reporting as a Factoring company and reporting collections as Installment loans. It is my belief that PRA employs this tactic as a collection practice in order to severely damage a person credit report and to keep the collection scored as both a collection and delinquent revolving account in an unethical and unlawful matter in order collect on more accounts and to recover more revenue. This inaccurate reporting is something that I will continue to fight and I will explore every avenue until this inaccurate trade line is deleted. PRA is breaking FDCPA 803 ( 4 ) which states that ...

" A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor '' FDCPA 803 ( 4 ).

PRA continues to report their account type as a Factoring company, revolving accounts/ " Installment Loans '' with " Collection '' status and with " Terms ''. This reporting in a violation of FDCPA 803 ( 4 ). PRA is not a creditor and can not report in this manner. There reporting is damaging my credit in a incorrect manner. The reporting is scored as a delinquent installment loan/ delinquent revolving account and as a current collection. A collection is not a delinquent installment loan and should not be reported in this matter.

I have attached a photo of XXXX credit report as evidence and in the original complaint date XX/XX/XXXX I attached a photo from XXXX.
I have previously filed a complaint to request modification assistance due to a loss of income. I have been getting conflicting information on my loan for the past 2 weeks. there has been credit and withdrawals on m y account because the under writing team made some mistakes. My escrow account has been increased several times.
I am very scared and have read new about this case below.
UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF FLORIDA   XXXX   XXXX   XXXX   DIVISION Case No.   XXXX   based on this information Ocwen has made mistakes where home owners end up loosing their home due to servicing mistakes.
On XXXX XXXX XXXX, I purchase a ticket from XXXX XXXX via online in the amount of {$350.00}. Unfortunately, the ticket was not issued to the passenger so the passenger had to purchase the ticket using her own debit card. I then contact Navy Federal Credit Union, and talked to customer service, then was informed to contact the merchant, XXXX XXXX regarding the charges. Apparently, I contacted XXXX XXXX and talked to the agent. He informed me that there was no payment that was made due to the ticket not issued. On XXXX XXXX XXXX, I contacted Navy Federal Credit Union, and talked to XXXX, Supervisor regarding payment that was made to XXXX XXXX since my checking account showed a minus. I tried to explain to her about the matter between XXXX XXXX and Navy Federal Credit Union. She informed me that XXXX XXXX needs to provide me a letterhead to Navy Federal Credit Union to say not going to pay funds. I told her that is not what I was told in the first place, and that I was going to file a complain with CFPB, and she said go ahead and make sure my name is spelled correctly. This was uncalled for as she was negative and unprofessional including rude talking to a customer that has been with Navy Federal Credit Union for years. Again, I contacted XXXX XXXX and talked to the manager and was told that a letterhead does not need to be provided and that does not change because I was not charged for the ticket. I need to contact the Navy Federal Credit Union letting them know.
I paid {$500.00} cash ( see attached receipt ) at a XXXX to add {$500.00} to my prepaid American Express Serve card. The money was not uploaded. I have since contacted XXXX card services to verify the money was surrendered to XXXX. I also filed a dispute with American Express Serve in which they pretended to investigate the matter ( without asking for the store or a copy of my receipt or any relevant information ). They then replied that they did not find the transaction.
A Foreclosure Sale date is a schedule for XX/XX/2018. I, XXXX XXXX, 3rd Party User, called CitiMortgage on XX/XX/2018, at XXXX XXXX  EST, spoke to XXXX, ID # XXXX, Collections Department, to find out the postponement of the Sale pending access of an appraisal of the property for the short sale purchase, XXXX, he told me that short sale documents were received on XX/XX/2018, file was closed out. I asked what was the reason, his answer Documents Not Returned for the life of me I didnt know what that meant I asked him to explain what it meant he did know that he was in Collections, not Loss Mitigation that I could not be transferred to that Department for explanation, I requested to speak to a Manager. XXXX put me on hold again came back asking for my phone ( XXXX ) that XXXX XXXX, Manager, would call me back. I didnt think XXXX  XXXX would call me back that it was another attempt to deflect any attempt to postpone Sale for a short sale purchase this why this Complaint is being submitted. 

Notwithstanding, I called back this time I spoke with XXXX, ID # XXXX, Ownership Department, at XXXX XXXX  EST, again I asked the status of the postponement of the foreclosure pending an appraisal. She stated that she was told that I needed to speak to the foreclosing attorney, XXXX , XXXX XXXX XXXX , XXXX, I told her that made no sense, again, another attempt to delay any attempt to move forward the short sale purchase. I asked to speak to a Manager, XXXX ID # XXXX, was of the Loss Mitigation Department came on the phone at XXXX. EST and advised me in no way they were going to postpone the Sale for the Short Sale because the owner lived in the house for ( 10 ) years for free and that they needed ( 45 ) days to consider a postponement for a short sale. I stated to him that the judicial process for a foreclosure in the State of Maryland is ( 21 ) days to cure a defaulted loan that his ( 45 ) days contradicts the State of Maryland Law. If the foreclosure sale and/or ratification occurs, CitiMortgage and all Parties involved will have committed a felony. Please pull the called in the transcript of my conversations with above Parties.
I called XXXX to dispute all the information on my name. I was told they can not dispute those because I was not affected. I have spoken with XXXX and i was told that I will not be charged with nothing on my name. Well that was a lie. I spoke with XXXX XXXX and they said that I will not charged because I returned all my rented items back to them. I did not keep them. Never heard any thing else from them. When I went to the hospital I had XXXX. I was insuranced. So I was not aware that I woyld have a balance. XXXX never walked with me to inspect the apartment I lived in together. The lady had went into the apartment without me. When I called her to tell her I will be there after class she had already went into the office and locked the office around XXXX. Well, that is not what time they close up. They never sent me a final bill to my new address. I received a bill from a bill collector and I dispute. I have never heard anything from the dispute. So company policies were not keep.
someone used my social and birth date to open a XXXX XXXX XXXX XXXX, however i am not or never have been a member of the united states XXXX or XXXX, which i later found out to be a requirement to even be approved for a XXXX card.i contacted the company several times via us mail letting them know tis was a fraud account. police reports were sent to the company along with an id affidaviat. i also requested a signed document bearing my signiture to prove i didnt open the account, XXXX XXXX  failed to send any documentation with my signiture within the 30 day limit required by fcra. this account is also showing up twice on my XXXX  credit report lowering my score.
I applied for AAdvantage MasterCard issued by Citi in 2015. At that time, the promotion was : if you apply through XXXX XXXX 's website, you only need to spend {$2000.00} in first three months to receive the XXXX bonus miles. I did applied through XXXX 's website and I did spend over {$2000.00} in the first three months. However, I have n't receive the bonus miles until now. 

I have contacted the customer service and was told to provide proofs of such promotion. I have faxed the promotion details including advertisement and articles from third party consumer review websites. However, I still have n't receive any bonus miles.
Credit card account closed over a year ago and continue to get statement and be harassed by HSBC. 
In response to complaint filed, HSBC issued a response indicating the credit card account ending - XXXX is closed and that the credit will be deposited to my bank account. Please refer to Case number : XXXX. However, the credit has not be deposited into my bank account or been issued a check in the amount of {$98.00}. Furthermore, I continue to receive credit card statement ( Statement closing date XXXX XXXX, 2016 was received on XXXX XXXX, 2016 ). I understand Consumer Financial Protection Agency can only prompt the business to issue a response, but does the agency not ensure that the business does not lie or compel the business to do what it say it will do in the response?
My name is XXXX XXXX XXXX, SS # XXXX. I have a problem that I am learning how to take care of by contacting you. When I was XX/XX/XXXX years old I had a car wrongly repossessed. I made my payments in cash in the drop box of XXXX XXXX XXXX XXXX because my work hours. It never occurred to me at that time that someone could take my money and not apply it to my account. I didn't even know it was going on, until they came to repossess my XXXX XXXX pick up truck. I did not know what to do at the time or how to seek help. Now I am married and have a child and am trying to prepare myself to purchase my first home. I just learned that this was on my credit report and that I need to figure out what to do. I am hoping that either XXXX XXXX XXXX XXXX has some kind of record of this or the employee that may have taken the money, OR that if it was mis applied and possibly of record some where in holding and maybe because I paid cash I may not have properly supplied the correct info to apply it properly. Can you help me? I don't know where to begin. Because it was always cash I have no proof other than providing you a detailed explanation and hope that they have some kind of record even if its a fired employ during that time period. I don't remember my account open date, but the collection account took the account in XX/XX/XXXX for the amt of XXXX. Mine and my wife phone number XXXX ( more info collection company name is XXXX XXXX. The original loan was with XXXX XXXX XXXX XXXX in XXXX, Oklahoma. Let me know if you need something else.
My Loans was paid off and I received a letter show paid in full. Then it was referred over to  Navient  stating that I still owe on the loan. Each time I call they tell me they are freezing the account for investigation and all they do is add more interest and extend the years on the loan, not investigating. One lie after another with these people.
I have a loan with XXXX XXXX. 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 Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
My back account was close because of fraud activity they did not do any investigation at all. So they just close my back account I do n't have any idea what happened I would like this to be fix and clear my name they said I deposit a check that was no good I do n't use check so I want to my local police department to file a police report I do n't know who would do this but I need to get this right.
I write to complain about the debt collection conduct of  XXXX , Discover Bank, and  XXXX  loan servicing. I owe about {$30000.00} on a private student loan I took out with  XXXX  to attend   XXXX   XXXX   in   XXXX   XXXX    XXXX . I graduated in  XXXX , and was working in the   XXXX   XXXX   XXXX   XXXX   XXXX   position when I injured my  XXXX . The injury occ urred two years ago , and as a result I had to stop working. I got  XXXX , and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of  XXXX   XXXX , I no longer can pay the loans.  <P/> I called  XXXX  well before  XXXX   XXXX -  XXXX   and advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work.  XXXX  told me I was  only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 ye ars that I have been in repayment.  XXXX  began calling me in  XXXX , telling me i was late on my payment. Every time they called I explained my hand problem and how it stopped me from working and that I had used up my savings.  XXXX  then transferred the case to a new servicer,  XXXX .  XXXX  began calling on  XXXX   XXXX ,  XXXX , demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no.  XXXX  has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency.  <P/> I have similar problems repaying loans held by Discover bank .. Discover gav e me one-month forbearance for  XXXX , but says I must make  six more months of payments before I can access the remaining 3 months of forbearance. This is not possi ble.
XXXX XXXX placed a derogatory collection account on my XXXX  and XXXX credit reports on XX/XX/XXXX and XX/XX/XXXX. The collection agency has not provided me with written dunning notification of this alleged debt within the 5 day timeframe mandated by FDCPA section 809 ( b ). Without prior notification I was not given the opportunity to have the debt verified nor validated as belonging to me. As a result of the reporting, my credit scores with both bureaus suffered a 20 point drop at a time when I was in the process of completing applications for new credit. I subsequently filed a dispute online directly with XXXX on XX/XX/XXXX citing No knowledge of this account. 
The account is listed as follows on XXXX  : XXXX XXXX   XXXX ACCOUNT DETAILS Account Name XXXX XXXX   Account # XXXX Original Creditor XXXX XXXX Company Sold - Account Type Collection Department / Agency / Attorney Date Opened XX/XX/XXXX Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$650.00} Balance Updated XX/XX/XXXX Original Balance XXXX XXXX   Monthly Payment - Past Due Amount {$650.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FP XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX collections
I have disputed items on my credit report with Transunion on multiple occasions over the last three months. 
First I have not received an updated credit report since XX/XX/XXXX file # XXXX. 
I also disputed the following items : XXXX XXXX XXXX XXXX ( acct # XXXX ) which shows 30 days late XX/XX/XXXX which was never late and I provided documents from the creditor showing 20 days late XX/XX/XXXX this item was received by Transunion on XX/XX/XXXX by certified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) disputing the status of this account showing " included in bankruptcy ''. This account wasn't included in bankruptcy and spoke to XXXX at XXXX XXXX XXXX XXXX and was told this account shouldn't be on my credit report. 
XXXX XXXX XXXX XXXX XXXX ) shows a status of included in bankruptcy, which I have never been in bankruptcy, date closed in incorrect and was closed paid in full on XX/XX/XXXX not closed XX/XX/XXXX. This same account was removed from my XXXX credit report during my complaint with CFPB, complaint number XXXX. 
RISE ( acct # XXXX ) status shows included in bankruptcy and I don't believe this account is mine and has asked for verification.
i applied for and was preapproved for {$1000.00} on XX/XX/18. after verifying my identify by way facial recognition, providing my state issued commercial drivers license and my bank statement, i was APPROVED and UNDERWRITTEN for {$1000.00} credit limit. On XX/XX/2018, i received the welcome email stating my card is on its way. Today. XX/XX/2018, i received a random email stating my account has been closed due to conflicting information, but the email never stated what was conflicting nor did the creditor ever give me a call to speak about this. 

I replied to their email but have yet to receive a response.