WillisBack/dataset-financial-user-claim huggingface dataset:
Original dispute XXXX regarding collections with XXXX for incorrect balance. Then paid balance in full on XXXX and issued for deletion. DUPLICATE account placed on my report and issued reinvestigation XXXX. Follow up XXXX. DUPLICATE removed XXXX. But original disputed account still remained. Reinvestigation still in process today XXXX - dispute # XXXX. Been receiving emails that dispute resolved but no letter or information on resolve. Spoke with representative XXXX and today XXXX and advised by phone call still no resolve to investigation. Both representatives issued NEW complaints with ANOTHER 30 day wait. Cycle continues. XXXX have issued for removal as well but still no changes. Latest investigation # today XXXX.
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint to the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender has also failed to provide a response to the QWR and NOE submitted in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
A COLLECTION WAS PUT ON MY CREDIT REPORT : 1. I NEVER RECEIVED ANY NOTIFICATION VIA PHONE OR MAIL THAT THE DEBT WAS DUE OR VALID. I STILL HAVE NO INFORMATION WHAT IT IS FOR OR WHEN SERVICES WERE RENDERED. 
2.THIS ERRONEOUS COLLECTION ITEM CAUSED MY REFINANCE RATE TO INCREASE WHICH I NO LONGER COULD CLOSE. 
HERE IS THE INFO THAT IS REPORTING OAC # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , WI XXXX Loan Type : COLLECTION AGENCY/ATTORNEY Placed for collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Original Creditor : XXXX ( Medical/Health Care ) Balance : {$190.00} Date Updated : XXXX/XXXX/XXXX Last Payment Made : XXXX/XXXX/XXXX Original Amount : {$190.00} Past Due : & gt ; {$190.00} & lt ; P
Hello ; I spoke with representative with Wells Fargo bank. 
Complained about being charged a late fee, when had made all payments on time. 
Lady said she would pull up my account, then came back, said she could fixe the problem & as long as made on time, there would be no more additional charges. Said she would remove the additional charges, said that it would show up on my next statement. 
None of those things happened!! 
Additional charges still there, charged me with more charges because they said I did n't pay the additional charges. 
Complained several time & nothing happens!! 
Cant believe anything they say!!
I dispute that I authorized as a co-borrower on this loan. Furthermore, I have never received any notice of any bill, neither have I ever received any correspondence with regard to late or other adverse actions regarding this loan.
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit file that were not initiated by me.
I have been trying to remove a Chapter XXXX Bankruptcy from my Credit Report. On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I mailed TransUnion, XXXX & XXXX asking them to provide me documentation they used to verify this Bankruptcy and also provided them with a letter from the United States Bankruptcy Court that verifies they do not send information to any internet search engines or credit reporting agencies. Only TransUnion responded within 15 days but did not provide any documentation. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and therefore, the Bankruptcy must be deleted from my credit report.
Around XXXX, on Monday, XXXX XXXX, 2015, I went to the Chase Bank Drive-Thru ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I had to make a deposit for a truck sale that I had made on XXXX/XXXX/15 of {$3700.00}. When I got to the ATM it was working just fine. So I deposited all XXXX XXXX {$100.00} XXXX bills into the ATM machine. It however, decided that it was going to crash and give me an error message that your deposit ca n't be accepted at this time, please try again later ( or something to that effect ) and gave me {$2500.00} back of the {$3700.00}. So it gave me back XXXX bills when it should have returned XXXX bills. I contacted the Chase Bank CSR and they opened a dispute but did not guarantee a result that I would like and said they would have to do a lengthy investigation and it could take up to XXXX weeks before I see the money, that is IF they even find an error. I know for a fact that I deposited XXXX bills at once ... So where the heck my other XXXX bills are since they only gave me back XXXX, I will never know. But this is absolutely INSANE and I want my money back. I am XXXX and we are already underpaid so this is MY money and I want it back!
When I moved out of the apartments, I signed my contract over to someone else. My rent was paid in full. 6 months later they said I never paid the last month. However, they wouldnt let me move out until I paid the rent in full.
XXXX XXXX XXXX XXXX XXXX does not answer the phone at all. I am on hold for so long that I finally give up. This morning, XX/XX/2018, they sent me an email statement after I told them I do not want any information about my account online. No one answers at customer service to get this resolved. 
I do not want to have anything about my account done online. I consider it a breach of my personal information for them to send me email statements. If customer service refuses to answer, how am i supposed to resolve this? 
They also keep saving my bank account information even after I ask them to delete it. I never gave them permission to save my banking information at all. 
thank you for any help on this matter.
I had two blue cards in my wallet. Used wrong card today thinking it was a debit card. Instead, it was XXXX 's XXXX credit card issued by XXXX XXXX. When I placed the card in self check out at Walmart, I asked for a {$40.00} cash back, thinking it was my debit card with XXXX. Instead, it kicked out {$100.00} cash to me and paid for the small grocery item. 

When contacting XXXX XXXX today asking to reverse the pending charge on my credit card, by paying the {$100.00} back and manually replacing the mistaken withdrawn cash with an instant payback. They refused to do so and said the only way to pay any cash withdrawal was to first pay off the entire balance. Thus, this {$100.00} cash withdrawal will charge an additional 3 % interest until paid, based on their refusing to manually accept the mistaken cash back within the same hour the transaction took place. I then immediately closed my account with them. 

This isn't my first problem with them. They mistakenly opened multiple accounts and closed accounts in my name over the years, failed to report actual payoff balances after numerous complaints that wrongly showed a balance over my credit limit which has never happened in the life of my account with them. 

Their phone systems are also flawed. Both verbal and type in account information was never recognized. Their online chat also was worthless and misleading. No live person was there and she was in XXXX most likely not understanding a word if she was live. 

I have had enough. I also closed my other account with XXXX XXXX. The abuse by this company has been long and against credit card/consumer laws. A full investigation of their flawed systems should be done immediately. I have lots of debit and credit cards. None abuse me or have abused me like XXXX XXXX. Perhaps the last part of their name tells it all ... .chroney ....
I have asked CB Bessemer XXXX to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
FOR THE PASSED COUPLE OF YEARS MY CREDIT KEEPS GETTING PULLED. I HAVE DONE SERVAL POLICE REPORTS ABOUT THIS ALREADY. I HAVE CALLED XXXX IN A COUPLE OF OCCASIONS. THE MONTH XX/XX/XXXX AND XX/XX/XXXX MY CREDIT KEEPS GETTING PULLED BY XXXX BOTH THE STORE AND THE CREDIT CARD. I WENT IN ONCE IN XX/XX/XXXX TO LOOK AT A BIKE. EVER SINCE THEN I KEEP GETTING MY CREDIT PULLED BY THEM EVERY NOW AND THEN. I HAVE FILED A POLICE REPORT ABOUT THIS ALREADY.
This is my sisters acct how is my name on this? i called XXXX which my sister has and the collection name and they have no record of my ss # or name and cant help me .they ( XXXX ) they did not have a # for Trident the collection agency to give me .they told me that XXXX is taking care of the accts and XXXX does not have any info on me XXXX did say that XXXX is the acct they have on file which is my sister XXXX XXXX.I want this blemish off my record and an explanation of how this happened.
I got 2 item in my credit report, I sent a validation letter XX/XX/2018. and the second XX/XX/2018 I never got any answer, I disputed with the XXXX, came back as verify, I sent a second letter again about the debt no answer.I never receive it any bill from the collections agency.
Hello, I have private and federal student loans with Navient unfortunatelly. My original private loan amount was {$3700.00} originated in 2003 and it is now {$9200.00}, not sure why. They continue to report lates to the credit bureaus even if the payment is on time. Last month I paid XXXX to XXXX payments in a row to try to make them stop calling my phone and they reported me late and tanked my credit scores. They are extrmely rude and I will not take their calls and for that reason I believe they continue to report me late to the bureaus to get me to call them. I believe the balances reported in XXXX loans are incorrect and I need help fighting them. There is no easy way to communicate with these people. 
Thanks!
After being affected by hurricane IrmaXX/XX/XXXX. Due to damage and repairs I had to make out of pocket. My mortgage company XXXX  helped me apply for a hardship and was working with me prior to the sell of my mortgage to another company. My point of contact at XXXX was XXXX XXXX XXXX. Spoke with her weekly and was assured everything was being done to help me keep my home.XX/XX/XXXX was notified my mortgage hardship was approved and they were waiting for finale numbers before sending me out my new contract to sign.

XX/XX/XXXXnotified my mortgage was being sold to Rushmore Loan Management and my modification would remain in affect.

Reach out to new company assigned to XXXX XXXX XXXX Notified her of my concerns and she acknowledged everything would continue as it was. Called weekly to stay on top of the situation only to receive a letter of denial in the mail and a offer to pursue a short sale.

Today after no return call from speaking with a supervisor on Monday Call and spoke to XXXX. Who informed me that supervisor XXXX XXXX   found the modification from previous Lender and waiting for supervisor to come out of a meeting to finalize modification.

I do not believe them so I wanted to put a complaint in place for some one else to help me keep on top of this.

Thank -You
I have a false medical collection on my credit report from CAC FINANCIAL CORP, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, Phone : ( XXXX ) XXXX. It is for a doctor 's visit in which my regular doctor was busy playing video poker to see me so a nurse stood in and doubled billed my insurance and she lied and billed me as a specialist. Her name is XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I have contacted the collection agency and I have contacted the billing department for the crooked doctor 's office and so far they have n't corrected the fraudulent claim. Attached is the fraudulent XXXX bill and a copy of my usual bill. I paid the XXXX bill the first time at the office the day of the visit, I did n't learn of her attempt at double billing until I received a email stating the collection was on my credit report a couple of weeks ago. I have been trying to get everyone involved to fix this issue.
Company is in violation of HIPPA. What's frivolous and baseless is the fact the company is lying that they couldn't get a hold of me ( they have my address and all communication ), they actually told me to cease communication with them ( how is that possible if they told me they didn't know how to reach me ), and they're still in violation of HIPPA because they have my medical records and list of procedures done.

Since the debt is beyond the statute of limitations, it is no longer mine and therefore, it should not be reported on my credit report. I will amend my credit reporting history to let all of the bureaus know of the harmful tactics of Collection Consultants.
Northstar Location Services continues to call despite the have the wrong person. I 've told them they have the wrong person ( same name, different DOB ). They ca n't find the phone number they are using to contact me. I 've told them this twice and I continue to receive daily or multiple calls a day. This is harassment.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
I placed  a 90-day ale rt on all  XXXX  credit bureaus in  XXXX .     While on signing up for the TransUnion alert, Transunion 's online site asked if I wanted to " lock '' my account. I clicked this feature.     This week, my bank attempted to pull a credit report for completing a credit card application. However, TransUnion is showing an account " freeze ''. When I called TransUnion freeze  XXXX  phone number, they said that I only ha  ve a 90-day alert ( no " freeze '' ) but the online " lock '' will show up as a freeze to others. They directed me to another phone number. Then I was walked through the " unlock '' via online and told to wait 15 minutes.
After 20 minutes, my bank was still unable to access my credit report and TransUnion was requiring a PIN. I called TransUnion again and was transferred or told to call 4 different people, bouncing me between the online TU dept and the Fraud Assistance Dept.
Online TU dept is saying the lock is showing as off and sending me to the Fraud Assistance Dept. The Fraud Assistance Dept insists that any issues from using online lock feature must be solved by the Online TU dept. I 've b  een trying to solve this issue for o ver 2 hour s and bounced between various phone numbers ...  XXXX ,  XXXX ,  XXXX ,  XXXX  ( sent this direction 2 times ), and  XXXX  ... and attempted to talk to a supervisor at th  e Fraud Assistance Dept ( who said he could n't help either because there is no " freeze '' on my account ).
Worst system that I 've ever seen. Worse yet since I have to depend on these credit bureaus to fight off an identity thief attempting to open loans and credit in my name. Curious if I 'd have all these issues if I was willing to pay TransUnion for their service ... sure seems like a play to force victims of id theft to pay TransUnion to avoid staying a victim ( even one to Tra  nsUnion treatment )!
Company charging me a debit that is not mines and it's showing up in my credit report i have no knowledge of this account this is not mines where it says customer name that is not my name customer signature that is not my signature i dispute it with experian results came back accurate still no contract with convergent outsourcing i asked for a sign contract with my name instead i received a bill for XXXX nothing else date XX/XX/XXXX that  is not a validation it was removed from my credit report XX/XX/XXXX and then again it was reported again with a different collection agency which is convergent outsourcing my son 's and mines document was stolen in north Carolina in XX/XX/XXXX
Dear CPFB, I believe Navient illegally shorted me on tax returns, and raised my payments rates to my student loans in error/ no provable reason. I have never paid a penny in interest on anything but my student loans, my credit is outstanding, and I have never missed a payment. I have also made additional payments in the past on top of my regular payments. Due to their lack of correspondence and information provided to me despite my emails and calls, they have not given me any proof to or calculations of why they have charged me more and shorted my tax return. I am happy to speak more to explain in further detail and send more information to help file suit. 

I believe Navient should be investigated for fraudulent activity - especially their handling of customers who were with XXXX XXXX before accounts were handed off to Navient. Many customers like myself likely signed up for a 10 yr plan to payoff the loans. Significant correspondences from when my account was under XXXX XXXX has been lost under the transfer to Navient, and it is negligent that it has n't been preserved and unfair to the public because XXXX XXXX had locked out access to accounts online during the transition so there was no opportunity to save original data/documentation/correspondences from the user-end.
I applied for a Jumbo refinance of the home I have lived in since XXXX to reduce my interest payment amount and consolidate a XXXX with Case Bank. I make XXXX a year and have a 20 % debt to income ratio. 
The underwriting department held corporate debt which is paid by mycompany against my personal income and subsequently after a XXXX monthprocess declined the deal. 
In that time the interest rate went up almost one half a percent. 
During the whole process their private investigation company hitMy wife 's credit report so many times that it dropped her credit scorefrom a XXXX to XXXX in XXXX days. Chase Bank should be appalled at theirincredible incompetence when it comes to accurately reviewing financialInformation correctly. Their Mortgage department is a joke.
This company has called multiple times but refused to talk to anyone unless we verify information. Stop calling any of our numbers unless you are going to actually talk, I 'm not giving my information to someone I do not know.
I received a notice on Saturday, XXXX XXXX, 2016 XXXX from creditkarma.com that my password has changed. 
I did n't make this request which came in conjunction with credit card number, being stolen and used fraudulently, and an attempt to hack my yahoo email and XXXX account which, to the best of my knowledge, failed. 
An email dialogue ensured which I have printed out in PDF format The highlights include : - They think I am XXXX XXXXXXXXXXXXXXXXXXXX which they should know I am not because I told them so 14 times and because they are emailing XXXXXXXXXXXX not XXXXXXXXXXXX. 
They actually published XXXX XXXX 's DOB which is personally identifiable information ( PII ) over clear text email to me ( XXXX XXXX XXXX ) who self-identified as NOT XXXX XXXX 
At this point my conclusion is either : Credit Karma has been hacked and their email being used by fraudster 's as a phishing attempt. 
Credit Karma is inept and shares DOB over clear text emails and expects me to do the same. 
The email dialogue is attached. They explicitly declined to call me or give me their number. I can not find their number on the web for credit karma. In their email contact they publish a bad number XXXX XXXX XXXX XXXX which is not their company when I call it. 

I submitted a police report this evening in person to police XXXX XXXX XXXX ( on the XXXX XXXX on the evening of XXXX ) of the XXXX, XXXX police department. The police report number is XXXX Jus email is XXXXXXXXXXXX. 

I am foggy on next steps. I would really appreciate an investigator to figure out what 's going on. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX TD Bank, XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX, XXXX XXXX : Loan number XXXX To whom it may concern : Last week I received a notice from TD Bank stating that my loan payments are past due. I have spoken by telephone with TD Bank representatives numerous times in the past year to dispute late-payment fees and repeated claims that I am behind on payments, and we have gone over my loan-payment history, which shows that the total amount I have paid since I took out the loan is sufficient to cover every month through the end of XXXX, and yet I am still being harassed by such claims and fees. 

Upon reading the latest notice, I called TD Bank yet again, and was told this time that TD Bank has received no payments from me since XXXX XXXX. I acknowledge that I did not make a payment for XXXX - the reason being that I have been in full-time job-training classes since XXXX and currently have no income other than inadequate unemployment compensation - but according to my records TD Bank processed the payments I made for XXXX, XXXX, XXXX and XXXX XXXX. 

In view of the fact that for the first 48 months of my loan I made payments in full or above and on time, even for eight months after losing my full-time job in XXXX XXXX, I believe I deserve some accommodation now that my only income is unemployment compensation that barely covers groceries and auto insurance premiums. I have asked that payments I made in excess of the monthly amount due between XXXX XXXX and XXXX XXXX, which add up to {$410.00} over the total due, be applied to XXXX XXXX, which is the fair way to count how much of my loan I have repaid to date, but my requests have been ignored. As of today i called and I was told that I have not pay XXXX/XXXX/XXXX. according to my record I made XXXX payment on XXXX and check number XXXX was cash on same day. every day I do call TD bank is always same story. 
I have been told to go to XXXX at my local TD Bank branch in XXXX, New Jersey, sit with authorized person to review my account with me but was not success, so I would like someone who is authorized to meet with me in person and go over all of these issues. I also notice that the report that TD bank submitted to XXXX and XXXX are untruth. On XXXX/XXXX/XXXX, XXXX history report in outstanding balance of {$5300.00}. According to my record balance is {$4400.00}, without XXXX/XXXX/XXXX payment once I pay XXXX my balance will be {$4000.00}. Please update my account records.I sent this copy to TD bank they still want to claim what they want and I 'm paying my bills I do not know what they want. they keep on sending me all these letters. Please someone read what I wrote to them and explain what I 'm saying. 

Sincerely, XXXX XXXX XXXX
Gurstel-Chargo hand delivered a paper that looks like an official county document with the words " you are being sued '' and more literature describing the debt. 
I was not home and they delivered the document to my Landlord. The document was not in an envelope or any other covering. 
It is a misrepresentation of a summons to district court and has in bold print on the front page " you are being sued '' I have sent them {$600.00} in payments in the last month already.