WillisBack/dataset-financial-user-claim huggingface dataset:
The paragraph below in quotes, taken from your response to our complaint is not fully accurate and if you look farther back on the account your representative should have made a note of the call in which they called our credit union.One of your customer service representatives did call our bank while we waited to be conferenced in, but she returned to the line and told us that our credit union does n't validate accounts over the phone. So, when we were asked again to do this on    XXXX   XXXX   XXXX      we provided the information that was provided to us previously by your customer service rep.     PARAGRAPH FROM YOUR RESPONSE " You mentioned in your complaint that you would like an alternative solution because you are unable to provide the previously requested documentation. On    XXXX   XXXX   XXXX     , during a phone conversation, we offered to do a conference call with the bank to verify ownership of the bank account used for payments. At this time, you declined our offer by advising your bank will not verify information over the phone. '' It has also already been explained to you that the following items are not something we can provide and if you reference previous letters from us, it explains why. So, you are still not providing a solution that is anything that we can provide, because we are n't given those things to provide! If you do n't believe it, then call the credit union and ask them!!!     Items you are requiring to validate account.   A bank statement, voided check or deposit slip from  XXXX   XXXX   XXXX   XXXX  that includes the full account number and name
I disputed this account with this company and received some stuff which provides me no evidence of when the date of last activity was. This XXXX account is very old and past the statute and this company has re aged the account because they purchased it which is violating my rights.
we refinanced a mortgage with Third Federal in 2009. All payments made in full, never later up until we paid off early on XXXX XXXX. We were told to expect escrow refund approx. 
{$1600.00} with XXXX to 10 days before end of month. Have been calling since XXXX and were told stop pay would be issued and new check sent because we only received statement showing XXXX XXXX but no check. Have made over dozen calls, on hold for hours but no one will confirm that " lost check '' has been reissued. Can not fathom how a statement can be sent stating account is CLOSEDOUT if refund has not been issued. They keep putting me on hold to confer with " other depts. '' I am doubtful that any check was ever even issued for this refund and do not understand why this was not handled when loan was paid off in full on XXXX XXXX.
Cheating me out of my repayment rights. Reporting to have had defaulted my loans, also end up damaging my credit score. Also they are being sued also by federal government.
XXXX reported an existing and overdue balance of {$58.00} to a Collections agency from an account that had been closed in good standing many years prior. I paid the existing balance when called by the Collections agency but since then my credit has been negatively affected. I have spoken with XXXX about removing this from my credit report and they agreed to do so ( and emailed me a confirmation of that discussion ). However, after 30 days, the negative account remains and the credit agencies insist this must be pulled back from XXXX. I have exhausted all methods of communication to have this erroneously reported delinquency removed from my account.
After I acquired a copy of my credit report I noticed that there were two accounts listed on them. One was from XXXX XXXX XXXX ( Collections agency ) and the other was From XXXX/XXXX. I discovered they were related in that the XXXX account was closed, and the debt on the account was sold to XXXX XXXX XXXX for collections. I contacted The debt collector and told them that it was not my account on or around XX/XX/2018, they then told me to dispute the account with the Federal Trade Commission and obtain a support document to send to them. I proceeded as instructed, and the collections account was removed from my credit reports. I soon noticed that XXXX and XXXX after many attempts to get the account removed from my credit report with them, and sending the same proof to them as I sent to XXXX XXXX XXXX, after a 30 day investigation they decided it was accurate, and left it in place.
We have submitted the application through my servicer " Setrus Inc '' in late XXXX and verbally offered loan modification with the same rate in XXXX XXXX ( Note that, we did n't received any formal offer letter by post at all ). As the monthly payment amount was not reduced, we will be continue in a hardship situation. Immediately know the news, we wrote appeal letter dated around XXXX XXXX asking for further review. I did made a few calls to XXXX the status but up to date, we still have n't got any response from Setrus Inc and XXXX XXXX, but not much response from them. 

Around XXXX XXXX, we got a call from XXXX XXXX from XXXX Help Center ( Network In Partnership with XXXX Tel : XXXX ). We had an interview with her and again, we did the application from them as well around XXXX XXXX. 

Recently, our tenants stop paying rent when they receive the court documents and we are currently have to go through the eviction process and also incurring property damages which leave us big repairing bills. Due to loss of income, our payment plan also missed a few months with HOA. Our hardship continues and also more worries. 

We will try all the possible options to prevent the home foreclosed and we are fighting against the time for the in progress on FORECLOSURE CLAIM. Further delay for review the application will put more burden on us as all the legal fees will be added up very quickly and we have difficult to rent our home as when tenants know the home in foreclosure situation. 
We are currently work overseas due to the current job situation and be relocated. This will be our main home when we will back to XXXX to live and we are willing to try all the possible assistance to prevent loss our home. We are prey for the help and prey to give us a trail chance to keep the home. 

Time is quickly running out and we are extremely worried when check the court case progress status at Summary Judgement Stages. However, I was told the case is still the review stage and It has been in this stage for over 10 months now without any further progress and also no letters from them! 

your urgent help on this matter will be greatly appreciated. 

Thanks XXXX XXXX
I applied for a balance transfer with desirable terms to my situation. I was not consulted with or given any options, Chase Bank decided it was their choice of terms, I was not notified or given the option to decline or accept. 
I contacted Chase Bank, they agreed to get their funds returned and ADJUST the fees and charges. 
I have asked the account be frozen or closed yet it still open and I was told I need to make the minimum payments ... Even thought!!! their funds were returned over two weeks ago. 
So now I am being charged interest on over XXXX ( the same money ) by XXXX banks. 
I have kept copies of all correspondence with Chase Bank and can verify thru XXXX XXXX that funds were returned. 
I would like your help to stop them before they affect my credit.
Equifax incorrectly lists an account closed ( circa 2007 ) as active ( XXXX XXXX ). 

When I followed its instructions to dispute incorrect information, the site tells me : " Service temporarily unavailable The service youre requesting is unavailable due to system maintenance. We apologize for any inconvenience. Well be back up and running as soon as possible. In the meantime, you may submit your request by mail along with any supporting documents to XXXX XXXX XXXX, XXXX, GA XXXX. You may also call XXXX including to request a copy of the results of any completed credit file dispute. 

Thank you for your patience! ''
Experian is reporting XXXX credit inquiries on my credit report that i didnt authorized. 
XXXX/17 XXXX XXXX/17 XXXX XXXX /17 XXXX
I opened a Jared jewelry credit account on XX/XX/XXXX. At the time Jared required 20 % down on all purchases for a year, I agreed and purchased some items, I called back on XX/XX/XXXX and asked what day would I be able to shop in XX/XX/XXXX without the 20 % down, and this company they have now called XXXX said that I should of never been charged 20 % down in the first place and let her ask her supervisor, so she gets back on the phone and sais, my supervisor said if you have any problems when you go to Jared have them call the authorization dept at XXXX, so I take an hour drive to Jared in  XXXX XXXX XXXX XXXX XXXX Michigan, and the clerk called and told her it ca n't be removed, so I called from the store and got a representative on the line told her I was recording this call for my clarification, and I asked her, to read the notes from my very first phone call to there company on XX/XX/XXXX this is what she said " customer wanted to know if 20 % could be removed spoke to supervisor and told customer it could be removed " I can send you flash drive if you need a copy this is deceptive practices and this report will be forwarded to the federal trade commission.
Purchase a ring from XXXX XXXX in XXXX XXXX XXXX XXXX, TX they used XXXX to finance. I paid XXXX XXXX {$45.00} biweekly automatic draft thought my XXXX XXXX XXXX account. I explained to Security Credit Service that the account was paid on the 1st call and 2nd call the rep said he would mark as dispute. When I called today to get additional information this person was rude/disrespectful etc. I ask Security Credit Service for the copy of the contract and the original amount. The young lady said that they do not have the original amount or the contract to call XXXX XXXX XXXX XXXX XXXX. She offered me a {$800.00} settlement and I explained to her that I have already paid this account I did not receive a paid in full since they was a automatic draft. This is the ONLY account that I have had with XXXX. 

I Called XXXX XXXX XXXX XXXX XXXX he said that they no longer own the account and did not have a copy of the original contract or amount. He said that Security Credit Service purchase the account to call them for the original documents and the amount. afterwards since I cant get anyone to help me I am filing a complaint.
I saw some charges on my Discover credit card statement that I had never noticed previously ( I having been carrying a balance pretty much since I opened the card, but have n't actively used the card in a very long time since I wanted to pay it down ). Apparently they have been charging me monthly for something called Payment Protection Plan that I do not believe I ever signed up for. I called Discover to request they provide some kind of information on how exactly I signed up for this service and they refused to provide any additional information. The " best '' they could do is cancel the protection from my account and refund six months of charges that they were posting to my account. I looked this issue up online and apparently this has been a big deal for quite some time, and a lot of people have been getting charged without actually signing up for this service. I am quite unhappy that they are able to charge my account for something that I did not sign up for! They told me that I signed up for this " service '' back in 2011, so that is a lot of payments that I have been making without consenting to this program. I was guided to this site through this web page full of similar complaints : XXXX. It seems that the monthly payment averaged out around XXXX dollars, per month, for almost 5 years ( ~ {$960.00} dollars )! I know I should have paid more attention but I never noticed that single line item when I actually used the card, and have just been making payments on my balance ever since, not making new purchases.
I would like to file a formal complaint on how discover student loans has handled a payment on my account. On XX/XX/XXXX, I schedule a one-time payment of {$12000.00} to pay off my outstanding student loan through the DiscoverStudentLoans.com website and my log in. As of XX/XX/XXXX, the payment was pulled from my XXXX  Bank Account ending in XXXX and on XX/XX/XXXX I received confirmation from Discover that the payment in the correct amount was being applied to my loan. As of XX/XX/XXXX, the payment has yet to be applied. I have contacted via the phone and their message center multiple times each but keep getting asked to send in more documentation. They have not been diligent on follow-up of this matter. As a lender, this is unacceptable that any payment not be applied immediately to the account in which is was sent for. This makes we question whether all of my previous payments were applied accurately over the lifetime of this loan. I have attached my bank statement showing the payment, the confirmation letter, and screenshots of my online account where the payment has not been applied as of today. I am also sure that is was noted elsewhere that in XX/XX/XXXX Discover took incorrect payment amounts from what sounded like thousands of customers from the letter they sent out after having to reverse and re-withdraw XX/XX/XXXXpayments.
The issue I was not notified in writing of this debt dated XXXX/XXXX/2013 until I reviewed my credit report and sent notice of dispute to XXXX XXXX XXXX XXXX. I made several attempts to call, spoke with XXXX and XXXX whom kept hanging up on me while asking to speak with a supervisor. They kept saying to submit a request in writing which I had and they saw it in their system. I called back and finally spoke with XXXX the ( supervisor ) whom also stated I needed to submit again in writing my request. I mention to her i did and she kept aying submit in writing and then hung up.
I have never heard of Midland Funding LLC.

Their monies owed is unfounded. I would like this so-called debt off my credit report immediately.
I had a credit card with XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX ) ( Phone:XXXX XXXX XXXX XXXX ) in XX/XX/XXXX, which maxed out and I couldn't pay until I sold my house. In XX/XX/XXXX I sold the house and tried to pay this off. It had gone to collection with XXXX XXXX, XXXX. So I called XXXX XXXX XXXX ( Also called XXXX XXXX, Phone : XXXX XXXX XXXX XXXX ) and they reached a settlement with XXXX XXXX XXXX for {$690.00} on XX/XX/XXXX and paid {$50.00} on the settlement and {$28.00} each month after that. Then Resurgent Capital Services ( Phone:XXXX XXXX XXXX ) took over the settlement in XX/XX/XXXX. XXXX XXXX XXXX paid XXXX XXXX, who paid Resurgent Capital ( Also called XXXX ) the $ XXXX monthly payment-until I came up with the money and tried to pay it off. I paid XXXX more than enough for the payoff. But when they tried to make the payment, first they had to track down XXXX, and then XXXX refused the payment, which they gladly took the monthly payments up to then. At the same time XXXX claims the difference between the settlement and the original bill with XXXX XXXX is a totally different account which no payment has been made on. If you check the account number each of these outfits use you will find the exact same credit card number on each with no change. In other words, it's the same account. 
The only thing from XXXX that matches anything is the bank name and credit card number. They even change the amount at will. I've tried since XX/XX/XXXX to resolve this and got nowhere. Obviously XXXX is trying to pull a scam at my expense and intentionally ruining my credit with their scam. I need this repaired.
I applied for a checking account at XX/XX/2218 with HSBC with a reward of {$750.00} if I maintain a certain balance for 3 months. They rejected my application because they could not run my credit report??? Its currently frozen due to the XXXX breach. Interesting that they would turn my money down to open an checking account without seeing my credit report? 

My wife then applied on XX/XX/18 whom does not have frozen credit. She applied and at the completion they told her to wait. Its now XX/XX/18 and HSBC is still making us wait after more then a week??

This just sounds fishy?? HSBC has all our sensitive information in both applications and we are not happy. I almost feel as if they are gathering our personal information for future endeavors without going forward with this program.
I began receiving bills from Americollect requesting payment for a debt I did not recognize. I repeatedly asked for verification that the debt belonged to me. I have the dates and certified receipts of the letters mailed requesting proof of this debt. I also asked the credit bureaus to provide the information used to make them believe the debt was mine and subsequently adversely report it on my files. From Americollect I only recieved new bills and from the bureaus, I received correspondence stating the debt was validated. How can this be possible?! How can no one prove it to me but can prove it to an outside source?
I am a victim of identity theft and have been a victim of identity theft for over 30 years. I been receiving harassing phone calls and death threats from Capital Management Service, LP representatives regarding a fraudulent and unauthorized credit card account/debt that do n't belong to me. The following account is fraudulent and unauthorized : XXXX XXXX, Account Number : XXXX
While checking my credit report I noticed an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX. I have never requested business from this company but they are on my credit report. This has caused stress and I 'm looking for answers. It has an open date of XXXX XXXX,2015 at which I was serving my country and had no need for their services. I have disputed this with TransUnion, the only one of the big three that claims ths information was verified. After conducting my own investigation XXXX XXXX hides behind the doctrine of tribal soveereignty to avoid liability for their illegal lending practices. The also hide behind several name to avoid people trying to correct information. From the BBB records they have over 270 compalints over the past year.
In XXXX, I was contacted by Chase mortgage with regard to a third lien on my home that I knew nothing about. I had been separated for many years from what was my ex-wife for all purposes since XXXX and the short of this story is that she had been using our home as collateral on XXXX occasions ( XXXX refinances with current banks ) for a total of the XXXX liens totaling XXXX. In addition, she had also used XXXX on several transactions which as it turned out were credit cards in my name in which she was the authorized purchaser, all these bills she was at XXXX point paying. I paid the mortgages as they were for my house however, I thought I owed XXXX as I bought the house in XXXX and only took out XXXX loan for the siding in the XXXX. In any event, I found over XXXX on my credit report when my girlfriend explained what all this was, I was shocked. I hired an attorney. It is still on my credit report, although I have agreements with both Chase ( US District Court # XXXX ) and XXXX ( Case # XXXX-which was later negotiated and dropped ) as to the removal of the items from my credit report, this has not been done. So far this has cost me thousands of dollars. I can not refinance my house which still has XXXX home loans that I did not take out or sign for..but have been told I have to pay. Please someone help me with this credit situation. I have both Chase and XXXX documents as does my attorney. If this does not clear up I will file suit against them both for the long term damage to my credit report. 
I can not get a loan from anyone with a credit score of XXXX. This is due to fraud that you perpetuated.
From XX/XX/XXXX to XX/XX/XXXX I had XXXX XXXX XXXX thru XXXX, XXXX XXXX XXXX XXXX XXXX which both of my insurances covered. XXXX filed my primary but did n't file my secondary. I called them after I started receiving a bill for the part that my secondary insurance was to pay. XXXX said they did n't have my secondary information so I again provided it to them. A month after I received another bill. Same story but this time I took copies of both insurance cards and mailed it in to them. This went on for a year. Each time XXXX told me they would file it. They never filed my secondary. XXXX only had 1 year to file my secondary. On XX/XX/XXXX I called my secondary to find out if the claim was ever filed, I was told no. While I was on the phone with my secondary insurance they asked me to stay on the line while they tried to call XXXX, there was no answer. My secondary insurance also told me that I was n't responsible for the bill because they would have paid it in full. About 6 months or so ago is when a debt collector started calling me, at least once a week. I would explain to the same person, every time, what happened with that bill and what I was told by my insurance company. It 's not like I did n't try to settle a bill they just refuse to hear me or ignore what I tell them and continue to call.
Navient has called my home over the last 5 months, sometimes twice a day attempting to get a pay on my student loan. I pay my bill on the XXXX even though the bill is due on the XXXX. When the XXXX or each month comes the calls start again. I have never missed a payment in the 5 years I have been in repayment of the loan. I feel harassed and insulted even with documentation of each payment over the past years they claim that we have missed payments. We have been charged late fees each month. Our payments are always over the amount due and we are still harassed. They call claiming to opportunities and then later call to collect a payment that has already been paid.
On XXXX/XXXX/XXXX, Equifax reported that they had been breached. My information was mishandled, which puts me and millions of other people at risk. I requested a credit report today, XXXX/XXXX/XXXX, which told me that someone had filed a request for a new credit card on XXXX/XXXX/XXXX with my bank. There is also an additional phone number that is not mine on my credit report. I am also listed as a potential victim according to their XXXX website, and would like a resolution. In my opinion, credit freezing should be made free for anyone who was affected by this situation.
I 'm writing today to file a complaint against Navient. Navient sent my 9 private loans into collection and has reported it as charged off on my credit report. I had been battling with Navient for months due to financial hardship I was unable to make my payments. Without any repayment plays other than forbearance, my account was sent to collections. I have since made arrangements with Navient where I am on a repayment plan that includes paying Navient faithfully every month {$250.00} dollars at 0.01 % interest rate. My total current balance of these loans is {$7900.00} which I have been trying to pay off since graduating college in 2011. Due to the astronomical interest rates on these loans, I have never been able to make a dent in the principal balance, it is a constant revolving debt of interest. I am a XXXX XXXX and am trying to move out of my parents house and become a homeowner. My credit score has been absolutely dismantled because of Navient 's credit reporting of charged off/account past due every month even though I faithfully make the direct debit payment of {$250.00} a month. I have been working closely with a credit repair company to increase my credit score so that I can qualify for a refinance in order to pay off all of my private student loans at a lower interest rate and finally get out of this ridiculous student loan debt. I can not do that though if Navient continues to report my account as charged off/past due. I would like for Navient to please report me as on time paid to the credit bureaus so that I can finally pay off these loans and move on with my life.
I contacted " XXXX '' to initiate service in my new apartment was told I have an outstanding debt that I'm not obligated to pay due to the debt being over 5 years old.