WillisBack/dataset-financial-user-claim huggingface dataset:
TRYING TO DISPUTE WRONG COLLECTIONS ON MY CREDIT REPORT. AS WELL AS THE AMOUNT LISTED. THREATENING CALLS AND CONSISTENT PHONE CALLS THAT LEAD ME TO CHANGE PHONE NUMBER DUE OF NUMEROUS HARASSING PHONE CALLS. IT DAMAGE MY CREDIT AND COULD NOT ABLE TO ASK FOR LOANS TO PAY SOME OF MY DEBTS DUE OF THE EFFECT ON MY CREDIT.
Hi I have a Macy 's store card. from XXXX XXXX. I am always on time in making payments and always used to pay full amount i have owed. During XXXX XXXX i made some purchases and returned some. So i got bill but I forgot to pay the bill which is due by XXXX. In XXXX XXXX XXXX i went on vacation as I did n't have electronic statements enabled i did n't look at the bill. I have returned from my vacation and then while looking at the credit report on credit karma i have observed that there is payment due and i have made complete payment along with the fine and interest on XXXX XXXX XXXX tough it is reported to the credit agencies i thought that it will fade away over the period. 
Now i am looking to buy a house and observed that this is the only factor that is effecting my score. may be more than 40 points. I tried to check with macy 's if they can remove the -ve mark to which they did n't agree as they need to be truthful. Agreed what they are doing is right. But effecting the credit score for only 1 missed payment that too for 7 years even tough i have all the other things perfect. i felt it is not fair. 
I am writing this not to blame anyone. but to bring you to your notice that some things needs to be considered looking at the history. i paid fine and still being punished and for 7 years which is long period and i need to keep paying more mortgage interest as i have reduced score for other 7 years or more. To Error is human but what credit reporting scores are checking is that we should never make errors and it is like 1/2 life time punishment considering full life time punishment is 14 years. 
It will be helpful to guide me if you have observed any issues like me and you have resolved. if not i need to live with it for other 6 more years paying more for interest for 1 mistake ( not enabling E- statements so that i could have known before that i missed a payment )
I have a student loan that I 'm paying back through Navient.I recently started back making payments for {$100.00} a month.Navient sent me a letter stating that I had not made a payment, but sent me a conformation of payment made XX/XX/2017.I still have my recite from that payment which was paid before the due date of XX/XX/2017.Navient is not interested in collecting debt from customers, but more interested in postponing debt to later charge customers higher interest on the debt.Navient has constantly tried to give me extensions on my payment everytime I speak to a representative.
In XX/XX/XXXX, all my student loan accounts with XXXX XXXX XXXXXXXX were brought back current, positive reporting, and deferred until XX/XX/XXXX. XXXX is showing those accounts double on my credit report, in negative and standing and good standing. I called the XXXX XXXX XXXX and was told that these accounts should be showing current. XXXX had submitted what they needed to fix credit reporting. I have written in to XXXX about the issue back in XXXX and the delinquent reports are still showing. Status in both areas for these 3 accounts are showing transferred, closed/neverlate. The other XXXX accounts are showing open/neverlate. Deferred, payments begin XX/XX/XXXX. I called XXXX on XX/XX/XXXX and they stated that my credit reporting was approved and changed in the system in XX/XX/XXXX.
I was with XXXX for two years and never had an issue. XXXX is saying that I owe them money because someone whom I NEVER authorized was on my car insurance. Keep in mind I was still making my monthly AUTO DRAFT payments. I asked them for the recording of me adding someone to my insurance and they could not provide it. I spoke to XXXX XXXX representative and she assured me that this mistake would be corrected and never happen again. She said he fixed everything in the system. When I cancelled the insurance for their exploitation I got an email stating that I would be REFUNDED money. I never received my refund and I am still being billed for money I do not owe them. This collection was removed from my XXXX credit report the beginning of this year, now they added it to my XXXX and XXXX report. How could I owe money and my funds were taken directly from my bank account based on what they billed me for the month. I was also not able to retrieve my bill and payments from their website after I severed ties with them for some reason, but thank goodness for bank statements!
On XXXX XXXX, XXXX I telephoned Capital One credit card customer service requesting a dispute to get my money back because the merchant XXXX had failed to provide wireless service to wife and I ... after giving them XXXX attempts to make it work : my dispute case number is XXXX. I was disappointed that Capital One 's process was not as efficient or believing me like XXXX staff have been in the past. Also, I have been this bank 's customer since XXXX and this was my first dispute request. 
I received a letter XXXX XXXX XXXX requesting details from me and copies of receipt etc. -- some copies they sent me such as the bill were unreadable except for my signature : On XXXX XXXX XXXX I answered those questions and faxed letter, receipt, etc to a XXXX Support Center in XXXX XXXX XXXX UT. On XXXX I received a letter dated XXXX from this support center telling me they wanted more information. I telephoned immediately and was transferred to a woman in the XXXX and she immediately told me that I needed to send them answers to some more questions. I asked her if she received my fax and she said yes. I asked her to repeat her first question and then I said plz look at the bottom of the first page on my fax and read it to me : it was exactly the answer to her question! She did not admit that, but continued demanding that I answer more questions. I told her this is a very simple case : a wireless provider store has been given THREE ( 3 ) chances to provide wireless service on XXXX brand new smartphones and they have not delivered their service. I want my money back -- and they refused. Before the dispute was settled Capital One put the {$61.00} back on my monthly statement and forced me to pay XXXX who had never for one day provided wireless service to us. How ridiculous! Also, women in the XXXX have continued to call me demanding more information. I feel that Capital One is supporting the unscrupulous merchant XXXX ( how can they stay in business with these practices? ) and for unbelievable reasons labelling me as the BAD guy.
Great Lakes provided false and/or misleading information in regards to my school closure. I was a student at XXXX/XXXX in the past. I earned an XXXX in XXXX XXXX and XXXX via distance courses from XXXX, FL. Since graduation I have not been able to use my degree since graduation. I received an email from the Dept. of Education about the closure and possible loan discharge qualifications. When I contacted Great Lakes to inquire about the details and possible fraud I was given the wrong information and paperwork to submit for loan forgiveness or loan discharge for my situation. I needed a Borrower 's Defense Application or Attestation Form and I got a school closure form instead. I was also informed that I needed to get the discharge approved by the loan servicer BEFORE I would be allowed to submit it to the Dept. of Education. I was denied for the wrong application by Great Lakes over a year ago and have been paying what I can afford on my loans since. I feel I was intentionally misinformed in order to retain the loan and the profit from the interest. Which they then capitalized the interest that accrued while my loan was in forbearance waiting for the decision to be made which was never theirs to begin with and added another few thousand dollars! I can not even afford this loan since I have never been able to obtain employment in my field of study and can not transfer the credits into any reputable college in my area. Job placement and the growth rate as well as the student services that were to be provided after graduation was a lie! I never gained anything except this debt and now have been manipulated once again to hold me to the promissory note when I qualify for forgiveness.
I XXXX XXXX recently received a collection notice from XXXX XXXX XXXX , XXXX. The collection letter states that the original debt was with Citibank NA. I do not dispute that I had a credit card with Citibank. What I find as a problem is that I never received notice from Citibank that the debt was purchased. What I am entitled is a copy of the actual assignment of debt by Citibank to XXXX XXXX XXXX XXXX , XXXX. The Federal Trade Commission has made it clear on debt assignments, and how all collections without due process on validation has riddled the debt collection business with millions in fines and dozens of class action lawsuits. I have been recovering from XXXX over the past three years. I have had to drain my 401K and have struggled to work consistently. Citibank NA knew of my health issues, knowing that I was going to file for bankruptcy protection. The debt buyer was duped taking a debt that simply can not ever be paid. I believe that the assigned collection should be proved first showing an actual assignment of debt, and secondly the debt buyer should give the debt back to Citibank NA and be totally forgiven based upon my physical hardship. This collection is not valid based upon the lack of proof that it was ever assigned or purchased. The debt should be forgiven or I will have no other option but to file for personal bankruptcy.
Today, at XXXX, a women who after I asked several times said her name was XXXX XXXX XXXX called me and acted like I was aware of the debt she was speaking of. I told her someone else called this past XXXX and he without making an attempt to make clear what he was talking about, was asking me for permission to record the call. I declined and asked what he was talking about. He finally stated it 's a Capital One credit card debt from 15 years ago. He started making some snide comments and I told him that I 'm not sure about this debt, but if it 's been 15 years you will have to forget about it. I told him not to call ever again and had to hang-up because he kept speaking. I 've had plenty of calls since then but did not answer because of the XXXX area code. But today this XXXX got me and wanted to get me to pay despite my repeated attempts to ascertain the nature of the call. She said it 's a Capital One credit card debt from 15 years ago that was {$200.00} that they usuriously grew to over {$5000.00}. I talked over her telling her to not call again and I could n't make out what she was threatening to do. I 'm sure over a decade ago I sent them a written desist demand. They keep pulling my credit report and harassing me. I want them to stop contacting me and stop pulling my credit report, They are a less than reputable company and have grown because there are a lot of foolish people that do business with them, or have they changed? I doubt it. They even state on an old collection notice that they ca n't sue or report payment or non-payment to a credit bureau.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX   ) XXXX XXXX XXXX ( XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX  ).
XXXX XXXX XXXX XXXX were in XXXX XXXX XXXX XX/XX/XXXX. I was on my way to work at the XXXX there at the time. The gentleman stopped me to talk about the XXXX ONE MONTH FREE TRIAL. I told him I could not afford the membership and he then explained it 's completely free ; I do n't have to pay anything and I wo n't be eligible for a membership unless I sign up for the membership AFTER the trial. I thought I was signing a waiver to the ONE FREE TRIAL and the free T-Shirt. 

They began to charge me and I had never made it into the gym. I called, emailed, sent letters to this gym expressing my concerns and how do I get this off of my credit report. There was no help or solutions. I had been scammed into this debt trap. I am still facing hard times : no food in my home because I can not afford them ( nor can I receive food stamps ), my rent is becoming late, I have classes and student debt to pay for, utilities is coming up late, I am a ten month employee with no current income, XXXX not receiving any benefits or assistance and I am a single adult trying to survive on my own. The last thing I can afford to pay is a gym membership for a gym I hardly ever used and that scams innocent people into signing debt collection contracts. 

This debt was sent to a collection agency and which of course has negatively affected my credit score. Unfortunately, the credit bureaus and its partners are in the business of crippling Americans and eating away at the lower class to stay in debt. I can not afford any of this. I have XXXX and XXXX due to my financial crisis. I had to even file for Bankruptcy back in 2013. This third party continues to call and harass me for a payment in full. I am pleading with them to for a payment plan or a freeze or something so I can try to pay and possibly help my credit report. However, First Credit Services foreign employees continue to call and offer no help. Both of their foreign countries and USA employees have been very displeasing and uncooperative. 

I need serious financial help. Who do I contact for help?!
XX/XX/18 I deposited {$2000.00} as an opening deposit for a new PNC bank account. The money was deducted from my outside other bank account but was never placed in the new PNC account. After 3 weeks of talking to PNC agents they informed me the money was at first " lost '' and then later jumped to say it was sent back to my original count. One agent told me the money was sent to a " XXXX account '' and I do not even have an account with this provider. It is XXXX XXXX the money originated from. Thus proving they sent the money back to a wrong account not owned by myself. After weeks of waiting and conversing with my main bank account provider- they informed me it was never sent back. PNC will not cover this {$2000.00} that they lost and will not give me any help. They told me to do a charge back at my original bank and I believe this is wrong and completely unnecessary because the money was mishandled in the hands of PNC. PNC bank should be the ones to reimburse me the lost money.
The last time, I have responded to this debt collector was on XX/XX/2018 n response to their letter on XX/XX/2018. 
I have responded to this debt collector asking them to show proof of the original debt in the amount of {$380.00} and the second one {$890.00} for services rendered by XXXX XXXX XXXX of XXXX and that it belongs to me. They have not done so, yet they keep reporting it to the credit bureaus. It's been affecting my credit score and my overall credit health. I have asked them multiple times, kindly, in writing to supply proof, but they have not.

I have no knowledge of this medical bill and would gladly pay it if I was fully aware of its original existence. The next step will be to file a complaint with the Pennsylvania Attorney General 's office to make them aware of the unfair business practices of this company, followed by filing civil charges against Ability Recovery for violating my credit history without solid proof.
I had auto loan with GM Financial whom picked up the car from the storage without contacting me because the adjuster left the car at the storage. From the time they picked up the car, their reinstatement department never answer their calls, I left tons of voice messages trying to resolve the problem but they never returned ANY of my calls. next they sent me a letter of repossession asking me to pay for the cost of getting the car from the storage but long before that, I was able to get another adjuster who placed a 3-way call and accepted responsibility and stated that my insurance will pay the loan company all their expenses. After sending the repair check and estimate to my loan company, I was able to speak to a lady who gave me 2 options either GM Financial repairs my car or I can pick a body shop of my choice to repair the car. I told her that GM Financial should do the repair. 2-3 weeks later, they sent me a letter requesting the information of my body shop. I fax and sent them certified mail requesting explanations and made them aware that I personally do not see any genuinity with the way they are doing business with me. Next I know they sent me a bill for {$8.00}, XXXX stating that they have auctioned the 2008 XXXX. Till date no calls or mails was returned.
We leased two XXXX XXXX XXXX 's from XXXX  XXXX, XXXX, XXXX in about XX/XX/XXXX. We have made all payments as promised. In XX/XX/XXXX, we decided to lease 2 new XXXX vehicles. XXXX was called to find out what the payments remained and the XXXX dealership wrote us checks for final remaining payments. We continued to make payments towards our accounts knowing that a final bill would arrive. XXXX has in their history of converation that they spoke with XXXX XXXX XXXX to get a payoff amount. We awaited a final bill with the final payments and the lease end fee. After turning in both vehicles we have made a total of approx XXXX on one vehicle and XXXX on the other. We knew there would be a final amount due and we are prepared to write XXXX a check for the final amount. I have called several times and spoke with several people at XXXX XXXX # XXXX. I was told a manager would call me today to try to resolve the issue and I did n't receive a call XX/XX/XXXX. I made the call at XXXX today and spoke with one customer service agent and one individual whom said she was a manager but could n't do anything for me. I have given our situation to several people without a solution. We have always paid our payments on time without fail. We have a good credit history. XXXX XXXX is not practicing good business practices and I believe is causing undo harm to people and their finances with how they are reporting lease ends. I spoke with the XXXX dealership and they have never had this happen with other people that were ending their leases with XXXX. This should be resolved and should n't have gotten this far. Unfair business practices have no place anywhere. I have now received an Early Termination Liability letter on both vehicles, one for {$34000.00} and the other {$35000.00}. My calculation the balance of both accounts should be approx 3500 but XXXX will not give me the final amount to be paid. We were never given a certain way from XXXX that the cars had to be turned in. We inspected the cars and turned them into the dealership we leased from. No one there said anything to us as well. We gave them our information so they could take care of the vehicles and we did n't receive any calls with issues.
On XX/XX/XXXX I logged in to pay my monthly payment and the amount due was {$0.00}. Payment is due on the XXXX so I trust that the batch processing or database was updated. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, at XXXX XXXX  I received calls from SLS and I am sure I have a Do Not Call note on my account. 

During XX/XX/XXXX, I have had to enlist the assistance of the GA Attorney Generals ' office ( # XXXX ) and Colorado Attorney Generals ' office along with cfpb ( case # 's XXXX, XXXX ). 

I have attached the statement showing a {$0.00} payment due. The next payment due is XX/XX/XXXX.
Equifax was hacked and according their website XXXX, I am a victim of the theft.
Credit report indicates a collection from XXXX dated XXXX XXXX. Consumer does not owe and has repeatedly asked for verification of debt from company and credit bureaus. Contacted company in XXXX XXXX and was told there was no record of debt. When consumer pulled credit report in XXXX XXXX contacted the company again and was told Consumer owed {$500.00} but representative was not able to provide any explanation when consumer asked for verification of debt. Last correspondence sent to XXXX asking for removal or debt validation. Sent on XXXX/XXXX/XXXX tracking number XXXX certified return receipt. Received and signed on XXXX/XXXX/XXXX but no response to consumer. However credit Bureau reported XXXX updated report XXXX/XXXX/XXXX. Equifax has not been able to validate debt also when disputed.
I am submitting proof from XXXX credit reporting agency to show that they did a proper investigation in a issue I am having with experian credit reporting agency and XXXX  credit reporting agency. There are XXXX accounts I have been disputing for months now that do not belong on my credit reports. Experian and XXXX are not fixing the problem. If XXXX received to delete these XXXX accounts then experian and XXXX should be receiving the same response. I feel they are not investing my disputes or they would have received confirmation to delete these XXXX accounts off my report.
After hearing many good things about Penfed, I decided to join around XX/XX/XXXX. I am in the process of repairing my credit, so I thought it would be a good idea to establish a relationship with a creditable credit union. Upon joining, I applied for a few of their products and I was denied. XX/XX/XXXX, I had some more updates to my credit report and score so I decided to apply for an auto loan. It was denied as well. On XX/XX/XXXX, I sent a request for a reconsideration. Knowing that Penfed uses the same credit report for 90 days, I asked that they pull a new report. I also included an explanation of the credit issues. On XX/XX/XXXX, I received a response from XXXX XXXX, a Loan Processor, acknowledging that my information was received. On XX/XX/XXXX, I also received a request from XXXX XXXX, saying that in order to process my request a freeze would need to removed from one of my credit reports. She said to fax, email, or email them the PIN for access to the credit report or let them know when it was removed. I contacted the credit bureau and paid the fee to remove the freeze. I then emailed Penfed to let them know that the freeze was removed on XX/XX/XXXX. On XX/XX/XXXX, I received a response from XXXX XXXX, loan processor, stating that the information had been received. On I believe XX/XX/XXXX, I logged in to see that the reconsideration was denied. Mind you that I get alerts for all score and inquiry changes, so I am aware when things update. There was no additional pull from Penfed, only the one that was pulled when I joined. I sent a message addressed to a manager on XX/XX/XXXX, asking why the new report was not used and as requested. I also inquired about credit criteria for small bill consolidation loan. I received a response from XXXX XXXX, loan analyst, indicating that my credit does not fall within their lending guideline. I fully understand that and I will continue working on my credit. What I do not understand is why they would say they would pull an updated report, had me pay to remove the freeze from the report, and they never pulled a new one or never acknowledged that they employees failed to do as requested. I have since asked them to close my account. I hoped to build a long relationship with them, but I they do not follow through with what they say they will do. I will continue rebuilding my credit and try for an auto loan again with a company a different credit union in a year or so.
Comenity Capital Bank has not adjusted any of my late fees that I was told I would not be charged back in XXXX XXXX. I have continuously been told that I can ask for a new promotion for the interest to my line of credit however, every month the bill continuously increases. Comenity Capital Bank is continuously reporting the credit bureau of inaccurate balances and late fees.