WillisBack/dataset-financial-user-claim huggingface dataset:
I received notification on XXXX from XXXX XXXX that a collection had been placed on my credit report by West Asset Management. I contacted their customer service, and their rep informed me there were no active accounts placed with their office in my name and the reporting was an error and it would be investigated. I received notice on XXXX, and XXXX that it had been placed on the other XXXX bureaus so I contacted their customer service group again. 

This time their representative stated that I had a bill due to XXXX XXXX by XXXX for {$240.00}, and it had not been paid. It was sent to their office on XXXX and eligible for placement on my credit report on XXXX. 

I then requested the reason I was not notified of this bill, and the answer I received was that their office sent a letter to me at an address that I moved away from in XXXX of 2015. I explained that they sent the information to an old address and I was never notified and granted my 30 days to review and dispute the collection. Their representative told me that it does n't matter if I received the letter, because their only responsibility was to send it and it mattered not where it ended up. 

I then said I would pay it, but that I required it be removed from my credit report. Their rep answered by stating it would be marked paid, but not removed. I restated my demand and informed the rep that West Asset Management did not act within the limits of the Fair Credit Reporting Act, and the answer I received was that their lawyers were n't afraid of me. 

I contacted XXXX XXXX, and explained to them what had happened. Their customer service rep saw in their system where I had left my new address but their office was still communicating with me at the old address and the error was on their end. 

I paid the outstanding bill over the telephone with my checking account on XXXX and it cleared my account on XXXX. The XXXX XXXX rep informed me that they apologize for the error and they would have the collection agency remove the item from my credit report. 

West Asset Management has since marked the item " paid '' but refuses to remove it. It should have never been placed there, and did as a result of an error beyond my control, therefore they are obligated under the law retract the false reporting.
There was that a computer glitch with their database on 2 separate occasions ( XXXX and XXXX ) with Transunion. This was TransUnion 's problem - not mine which caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. They refused to transfer me to someone that could help me and hung up on me, in fact. These inquiries have added a hardship and that my rights were violated by TransUnion.
I was having financial difficulty with my mortgage and fell behind with 4 monthly payment.and apply for a mortgage modification.and was successfully approve with a new loan.and with no avail did not receive no truth in lending paper .and did not know what they was charging me for. Iook at my statement and notice they differXXXX and took a good portion of my equity
My name is XXXX XXXX. This has been longer than usual and my dispute has been over looked and Im very disappointed in how your system is made to fail and it is purposely done to ignore that you are the cause of my problem and Im not afraid to sue you in court for damaging my credit file. Youve leaked my information and caused my personal information to be seen by millions and now my file is damaged badly. Yes your company is the one to blame for this situation my file has been used more than a few times and Im tired of it. I will be suing for damages of the total accounts listed in the attachment area. I am unaware of the accounts and they need to be removed immediately following your investigation. I will be following up in less than a week and if it isnt removed I will be forced to go down to the XXXX XXXX XXXX XXXX House to file a lawsuit, contact the FTC, and place your company public record online of how you falsely mistreat consumers by placing inaccurate account for money.
I have tryed to tell them need payment moved to a different date in comes due with insurance payment making it hard to keep paid on time and also I have told them I get income once a month low income disiabitly and they will not work with that been fighting with them about this over a year and now late charges and its high interest rate to start with they refuse to work with me and they call my phone every day and all hours I ca n't deal with telling them every time they call XXXX XXXX XXXX is high interest its unreal never again will I have some though them and they refuse to work with a person I been paying for over 3 years now and hope to have it paid off in the next 8 months if they stop adding to it
I have set up payment arrangements with the company. I have been making payments as promised. They continue to call wanting more money than we agreed on. Even though I make payments on time they call and call constantly!
My complain is with Experian. My questions are : Why does a data furnisher ( XXXX ) have more authority than United State court documents? Why are United States courts not being used to verify information? How can you use a data furnisher ( XXXX ) that is providing you ( Experian ) invalid information to verify that information is correct? The letter Experian sent to me is invalid because it does not provide the reason United States court documents can be used to verify information. Also, select portfolio has been calling me at XXXX XXXX since I started this dispute with Experian. My lawyer has sent them a letter to desist calling me 2 times. Experian says they will not longer investigate this complain.
I 'm using this app called  XXXX  to help me get my paycheck sooner and my bank , keybank, is not sending over the required information to allow me to do this. This has gone on for about a m onth.
I have contacted Bloomingdale 's customer service department four times about this matter and I have been continually lied to about this matter being resolved on my next statement. It still is not resolved four months later. With this letter I am asking for your help in finally resolving the issue. 
I put jewelry charge of {$4000.00} ( {$3700.00} after using {$220.00} worth of rewards cards ) on my club account on XX/XX/2016, but returned the jewelry on XX/XX/2016. The credit was applied to my regular revolving account by the sales person even though I asked her at the time to make certain that the return be taken off the club account. Ever since my XXXX statement, the charge has appeared on my club plan with a balance. 
After every monthly statement received, I have called, spent an hour on the phone with customer service. I am promised that the charge on the club plan will disappear and everything I 've paid will be re-routed to my revolving balance or my other club balance. My newest statement still has the charge and nothing has been credited to either the other club plan purchase or the revolving side of the account. 
All this time I have been paying for something I returned in XX/XX/XXXX and all the money I 've paid is being diverted from balances to which payments are intended. A customer service person even LIED to me and told me the charge had just been credited the day before when I called at the end of XX/XX/XXXX after I received my statement.
On XX/XX/XXXX and again on XX/XX/XXXX an unknown individual used my information to cause Chase Bank to reverse several transactions causing payments not to be completed through several of my normal monthly payments. In turn, the excess funds were then withdrawn from my account using a debit card with my PIN number. I did not authorize nor did I perform any of these transactions. I reported to Chase Bank immediately when my payments were canceled and I was notified by my monthly account holder. All attempts to rectify the situation were denied claiming the use of the debit card was an individualized occurrence and would not be reimbursed. Chase allowed someone to access my account without my knowledge and refuses to accept that they are responsible for the situation.
Fraudulent charges were reported on my XXXX account. I took numerous efforts to resolve this with XXXX directly. I was told no debt was owed. I then was contacted numerous times by this collection agency after telling them that the account was in good standing. 

After resolving the issue with my own creditors, I contacted the FTC and the XXXX about the issue and made complaints on my behalf regarding the errant reporting done by XXXX as well as the collections agency. I received no calls from the collection agency after until today, XXXX XXXX, 2015, almost a year later. 

I explained again that XXXX errantly reported my account, that I have legal representation and am a part of many customers who were a victim of a class action lawsuit filed against XXXX. I told them that I can not be called during work hours, as it is not allowed for me to take personal calls, and that they should not be contacting me any further. I told them the XXXX time that if they wanted to contact me, they could speak with my lawyer, and they never have called him once to this day. I am still being harassed for no reason about money that XXXX told me I did not owe! Any efforts I made to reconcile the account, I was told I still owed money, even though the justification for the charges were errant ( such as being charged a contract termination fee, when I did not have a contract ), and when I had originally closed the account and talked to the representative, I was told I did not owe XXXX money. Then two months later the debt collection agency contacted me without any forewarning, letter, call or e-mail from XXXX saying I had money owed.
I have a line of credit through Wells Fargo Credit Card company. Due to a loss of a job I was unable to pay my account. I reached an agreement with them once I was able to start making payments which I have been making on time for over two years. They are reporting on my credit report that my monthly payment is the current balance due which is incorrect. I pay XXXX per month, my current balance is XXXX. I called to ask them to fix this as it is effecting me getting a car loan etc as it shows I have a monthly payment with them of XXXX. They refuse to fix this mistake until the balance is paid in full. I still have over 2 years of payments to make and this information is wrong and is impacting me on getting a loan for other things that I need. I have disputed this with all the credit agencies and they refuse to fix it since Wells Fargo saying the information is correct. I have contacted Wells Fargo on several different occasions, the last one being this evening and they refuse to correct this information with any of the credit agencies. This is just wrong on so many different levels and I want this fixed. They also have my account status as charged off which is not correct as I have been paying the bill for over two years with no missed payments. I have suspended payments at this time until they fix my current credit reports. I am just asking them to change the currently monthly payment to reflect what I am paying monthly and they refuse.
Dear CRA, My name is XXXX XXXX XXXX, my SS # is XXXX. 
I am sending this dispute THROUGHT CFPB make sure you receive i. 
There is no such judgment of record for XXXX XXXX from this Court for this date for this amount from this creditor. 
I have certified documentation from the Court that supports my dispute of this erroneous entry on my report.

If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. 
Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from XXXX XXXX XXXX credit reports. I demand the account be verified or removed immediately!
On XXXX XXXX, XXXXThe Office of the Comptroller of the Currency ( OCC ) today announced an enforcement action against JPMorgan Chase Bank, N.A., XXXX, Ohio, JPMorgan Bank and Trust Company, N.A., XXXX XXXX, California, and Chase Bank USA, N.A., XXXX, Delaware ( collectively, the bank ), for unsafe or unsound practices in connection with the bank 's non-home loan debt collection litigation practices and the bank 's non-home loan compliance with the Servicemembers Civil Relief Act ( SCRA ). The enforcement action requires the bank to provide remediation to affected consumers and to correct deficiencies in the bank 's practices and procedures related to the preparation and notarization of affidavits and other sworn documents used in the bank 's debt collection litigation and its SCRA compliance program. The OCC 's action also directs the bank to improve its debt collection litigation policies, procedures and practices to ensure that affidavits and other sworn documents used in connection with non-home loan debt collection litigation are accurate, based on the personal knowledge of the bank employee signing the documents, or other applicable standard, and are notarized in accordance with all applicable legal requirements. The OCC 's action also directs the bank to conduct a review of all non-home lending debt collection litigation at the bank from XXXX XXXX, XXXX until present, and all non-home lending SCRA accounts at the bank from XXXX XXXX until present, to identify consumers eligible for remediation as a result of the deficiencies and unsafe or unsound practices cited by the OCC. Furthermore JPMORGAN and it 's collectors filed lawsuits and obtained judgments against consumers using false and deceptive affidavits and other documents that were prepared without following required procedures, a practice commonly referred to as " robo-signing. '' These practices misled consumers and courts and caused consumers to pay false or incorrect debt and incur legal expenses and court fees to defend against invalid or excessive claims. The agreement also ensures that Chase will fulfill {$50.00} XXXX in consumer restitution through a separate XXXX consent order reached with the Office of the Comptroller of the Currency. I believe I fall under this criteria being my account was absorbed by JPMORGAN from WAMU during XXXX. And the premium I paid for my card at the time, that had a hardship relief clause for an emergency that if you lost your job. Which was not honored, once the account was taken over. Once it was taken over it was put into collections. And my account was sold and handled by at least three different companies. I know the amount I owed to wamu, was far less than that which I paid in court. By about XXXX dollars. Prior to the lost of my job my account was at XXXX and in good standing.
I have a Health Savings Account ( HSA ) for my family with XXXX. The contribution limit for year 2018 is {$6900.00}. My employer contributes {$1500.00} per year to this account in $ XXXX   monthly payments, allowing me to contribute a maximum of {$5400.00} per year. I inadvertently forgot to stop my payroll deductions for my account once I hit the {$5400.00} limit, so I requested that {$810.00} in excess contributions for the year 2018 be withdrawn from my account in a form I mailed to XXXX  in the week of XX/XX/2018. At the time I had submitted that letter, the combined contributions between my employer and myself was {$6800.00}, which is under the {$6900.00} contribution limit. 

On XX/XX/2018, XXXX issued an excess distribution of {$1300.00} instead of the {$810.00} I had requested. I contacted XXXX  through their web chat twice to notify them that I believe there was an error : since my account had never exceeded the contribution limit for 2018, there should not have been any earnings removed from my account ; furthermore, even if there had been an excess contribution, there is no way that {$810.00} would have earned {$520.00} in the two weeks it was in an account that pays 0.05 % interest per year. I was told that I would be sent a worksheet explaining the calculations. I have attached a worksheet I downloaded directly from XXXX that includes all transactions for the account and corroborates my account. 

I called XXXX again on XX/XX/2018 and spoke to a customer service representative named XXXX. I reiterated my concerns and told her that I had yet to get the worksheet with the calculations for their distribution. She told me that they would email the worksheet. That has also not happened. 

Thank you for your attention.
I initiated an online dispute on XX/XX/2018 for 6 accounts in collection for reporting inaccurate dates and balances and 4 belonging to the same company that was paid off by my insurance. The dispute results of these accounts were found to be accurate and/or updated. I have verifiable proof to have the accounts on my credit file corrected and deleted. 

1 ) XXXX XXXX XXXX # XXXX This account has been re-aged and is reporting this account a year off of that in which the original creditor XXXX XXXX has on file. 

2 ) XXXX XXXX # XXXX a ) XXXX XXXX # XXXX b ) XXXX XXXX # XXXX c ) XXXX XXXX # XXXX These accounts are reporting on my file when they have been paid off in full by my insurance company as a result of a workplace accident. My insurance company verified this and is sending me the billing summaries as proof that these accounts were paid in full. 

3 ) XXXX XXXX # XXXX Reporting the wrong total balance. I have proof from Urgent Care with the total balance of this account is {$94.00}. I also paid {$15.00} on XX/XX/2018. 

TransUnion has done a very poor job into the investigation of my disputes knowingly allowing inaccuracies to remain on my personal credit report. TransUnion has failed to provide me with a fair dispute and as a result have damaged my credit. I believe TransUnion never even looked into my disputes and allowed these debt buyers to illegally report innacuracies knowing the information they had provided to TransUnion was not truthful, those TransUnion is at fault for not properly investigating.
Bank of America did not properly re-evaluate my loan modification. They did not take into consideration the new payment tripling my loan amount. In addition, they did take into account recent developments, such as XXXX renters downs, as well as other mostly payments not listed. 

They continually change personnel to assist me, making XXXX attempt then never hearing from them again. 

The CFPB is NOT holding this bank responsible for their actions. 

Bank of America has over XXXX public complaints in recent time. Allowing this bank to continue in this matter makes one wonder what is the purpose of the CFPB. 
XXXX I will begin letters regarding bank of America and the CFPB to media outlets.
Portfolio Recovery called to say they would accept payment for unknown debt. Said if I gave them my bank info it would be removed from credit agencies. I asked for a statement in the mail. They declined and said they can not send any info. Agent said this was hurting my credit score. After the phone call, I pulled all three credit reporting agencies and there is no such debt due. It was too old to be on my report. Is roughly 10 or more years old. I sent a cease and desist letter via USPS Certified and Return Receipt. Letter was signed for and postcard returned to me. They are STILL calling me. I do not answer and they leave no messages.
XXXX XXXX XXXX XXXX is falsely reporting to credit reporting agencies regarding my account. Services were provided on X/XX/2016, account has been and is still being paid as agreed. 

XXXX XXXX - XXXX XXXX XXXX XXXX, # XXXX, XXXX, Ga XXXX XXXX Account # XXXX
XXXX XXXX XXXX XXXX {$680.00} Neither the collection agency or the bureau XXXX has validated the debt. <P/>Under XXXX it says the account name is unknown the only thing that was close to matching the debt under XXXX is the dollar amount and the incomplete account number and under TransUnion the account name is XXXX XXXX XXXX  limited again the only thing close to matching the debt under XXXX is the dollar amount and the incomplete account number
Please note that this case is affiliated with [ Case number : XXXX ]. 

I am submitting this complaint due to my experience with Fedloan Servicing concerning the PSLF program. In XXXX, my colleague contacted the Department of Education inquiring as to whether her 501 ( c ) ( 6 ) employer, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was a qualifying organization for purposes of PSLF. The Department of Education affirmed that the organization was a qualifying organization under PSLF. When I submitted my PSLF certification to Fedloan Servicing in XXXX of XXXX, I was denied by Fedloan Servicing without explanation. The letter stated, " Organization does not qualify. '' Fedloan Servicing subsequently revoked my colleague 's PSLF eligibility claiming that our 501 ( c ) ( 6 ) organization was not a " qualifying organization '' for purposes of PSLF. I requested supervisory review of my personal application but the only information that I received back from Fedloan Servicing is that " organization does not qualify. '' Additionally, one of Fedloan Servicing employees told me that she was unaware of any 501 ( c ) ( 6 ) organizations that were approved as " qualifying organizations '' under 34 CFR Section 685.219 ( b ) for purposes of PSLF. 
This is denial is contrary to the regulations because my 501 ( c ) ( 6 ) organization clearly provides XXXX and meets the requirements of a " public service organization '' as defined by the regulations. The Department states in the proposed rule ( pg. XXXX, http : XXXX ), that the statutory definition of " public service job '' is meant to include " certain non-profit organizations that are not qualified under 501 ( c ) ( 3 ) of the IRC, but that meet the other statutory requirements and qualify as public service employers under XXXX. '' Congress clearly defined " public service job definition '' in the XXXX ( XXXX ) to include both " public education '' and " public interest law services. ''
Maa impacted my credit negatively on an account that I have been trying to resolve in person and via E-mail. I did not receive the notices they claim were sent and after I tried to reach out to pay, they were not helpful and instead proceeded to end negative information to credit reporting impacting my credit score by 50 points
I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018. 
I did not receive it. 
May I have a copy of my online application filled out online to get this credit card?