WillisBack/dataset-financial-user-claim huggingface dataset:
As a private citizen I was caught up in the extensive recession as millions of other American citizens were. I eventually paid off all of my debt after obtaining another job. XXXX XXXX XXXX shows a balance of {$150.00} on my account that they initially charged off for {$1200.00}. However, once XXXX XXXX XXXX accepted my payment that standard of the debt can no longer be that of a " Charge Off ''. This is the guideline under FDIC Rule 5000. Now if XXXX XXXX XXXX is owed a balance, I request an updated statement or invoice. I will pay the balance immediately. Upon that time of payment, I demand that the Rule 5000 interpretation apply and that all references to " Charge Off '' be eliminated, and that the timeline for deletion be narrowed to the 7-year period of the account 's first late payment. XXXX XXXX XXXX is essentially holding my credit report hostage for a simple payment of {$150.00}. Once the balance is paid, the " Charge Off '' standard has been eliminated legally and permanently.
In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of 2016 XXXX XXXX XXXX reported to the credit bureaus that I had missed four payments which is not true. I made all the payments and XXXX reversed the payments each month and never contacted me to explain WHY! The only way I found out was when XXXX reposessed the vehicle, I have my car payments on Auto pay so there was no reason to Check if the payments were made after receiving a payment confirmation, after making the lump payment of {$1300.00} to XXXX I disputed their claim of non payment for those months to no avail. Please look into this matter for me. Thank you XXXX XXXX
on Saturday XX/XX/XXXX I received an E-mail from Navy Federal stating "Member to Member" access was successful to a person named XXXX XXXX XXXX a person I'm not familiar with. I immediately contacted Navy Federal and told them this was unauthorized and the transfer was unauthorized too.......The representative changed all of my accounts restricted my online access. I was told nothing more could be done due to the fact this was during the holidays and the fraud department was closed and I needed to visit the local branch on Tuesday XX/XX/XXXX....I went to my local Navy Federal bank of which I was then informed I could not file a fraud claim until Wednesday because the transaction was currently "Still Pending" and there was still a possibility the transaction could be denied and my funds could be returned... needless to say the transaction was posted on Wednesday....I immediately called Navy Federal and reported my claim to their fraud department...The representative suggested that I file a police report...of which i immediately did....I needed some other information from Navy Federal so I went to my local Navy Federal and the young lady told me I should have half of my money by the end of the day or two....so I called Navy Federal today the representative informed me they HAVE NOT turned my case to a fraud investigator and they DO NOT give credit in "These Types Of Cases" and it will take up to 10 days to "Investigate" and if it is "Approved" they will give me my money back.... My issue with isA: THIS IS NAVY FEDERAL'S FAULT; because it happened "Internally" a member of THEIR institution stole my money and transferred My money from my Navy Federal account to their Navy Federal accountB:I INFORMED NAVY FEDERAL as soon as the issue was brought to my attention and I have FULLY cooperated with them and they allowed the member to keep my funds in spite of them having knowledge the transaction was fraudC: THE LACK OF URGENCY when it comes to my account being hacked and the LACK OF CONCERN with the fact that I DO NOT HAVE ANY MONEY
I drafted XXXX debt validation letters to Penn Credit Corporation around XXXX 2016 and XXXX 2016. I was requesting validation for a debt from XXXX that is over 6 years old. They ignored all of my requests for validation and are damaging my credit report. 


Please investigate
On or around XXXX XXXX, XXXX, CMRE FINANCIAL SERVICES began reporting a debt on my XXXX Credit Report. CMRE never sent me a notice collection notice, nor was I sent a letter with the FCRA right to dispute advisory. I only realized CMRE was collecting on a debt when I checked my credit report. I immediately called CMRE to request for information to verify the debt. After reviewing the letter I confirmed that I had already paid another collection agency on XXXX XXXX, XXXX for the debt CMRE was attempting to collect. I tried to dispute the debt a few times with XXXX to no avail. 

I am resident of California and the original debt was dated XXXX XXXX, thus being over five years old at the time of CMRE attempted collection, and consequently one year beyond the state statute of limitations.
UNITED REVENUE CORPORATION IS REPORTING XXXX ACCOUNTS LISTED FOR A XXXX WHICH IS NOT ME. YET THEY KEEP REPORTING ON MY CREDIT REPORT WITH XXXX. I HAVE FILED A POLICE REPORT AND NEED THIS INFORMATION CORRECTED IMMEDIATELY. 

ACCOUNT # XXXX
This  2nd d ispute is explained in detailed with all of my attachments.     This the companies first and only response. They did not address me personally through phone, email or mail contact. I tried many attempts to pay the {$62.00} debt but upon contact the number listed I never received feed back.     First Progress Card  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX   XXXX   XXXX ,  2016  Consumer Financial Protection Bureau u Re  :  XXXX   XXXX   ( c ase number  XXXX  )    XXXX   XXXX     ( First Progress ) is writing in response to your letter   addressed to Synovus Bank k ( Synovus ) , regarding the above referenced complaint.  Synovus i ssues secured credit cards backed by a cash security deposit ( Card  ( s ) ). First Progress is the program manager and provides customer service for the Cards. First Progress worked with Synovus Bank to prepare this response as part of Synovus standard oversight of First Progress. Synovus  has been provided with a copy of this response.  XXXX   XXXX  requests that the negative credit history reported on her accounts be removed from the credit reporting agencies files.       According to our records, this account was opened  XXXX   XXXX ,  2016 purs uant to  XXXX   XXXX  online application. The last payment, {$65.00}, was received on  XXXX   XXXX ,    2016 a nd posted to the account the same day.  XXXX   XXXX  called our Customer Service department on  XXXX   XXXX ,    2016, at  which time she explained that she had lost her previous job, but recently began working again and intended to bring the account current. She did not request that her account be closed. The account therefore remained open until  XXXX   XXXX ,    2016, b y which time additional late payment fees and interest had accumulated in the absence of any payment. The security deposit of {$500.00} was credited to the account on  XXXX   XXXX ,  2016.        As  XXXX   XXXX  did not use the card after the  XXXX   XXXX  call, and in light of her difficulties as described in the complaint, we have waived all of the late fees and finance charges assessed since  XXXX   XXXX , a total of {$120.00}. A balance does remain past due on the account, however as a result of a gas purchase  ( gas purchases may  exceed the available credit limit because the amount of the purchase can not be determined prior to approval and is posted later by the merchant ) and for fees and charges which accrued prior to  XXXX   XXXX .       As of today, we have reviewed  XXXX   XXXX  accounts, and the information reported does not reflect a bank error. We are therefore unable to fulfill her request for an amendment to her credit files.       Please contact me at the address above if there are any further issues with regard to this complaint.       Sincerely,  XXXX   XXXX   Vice President
On XXXX XXXX, 2017, I went online to obtain my credit score. My credit card company, XXXX, provides my credit score for free as part of my cardholder benefits. The online information showed my credit score as XXXX. They also provided a link to a 12-month history of my score, so I clicked on the link. The history showed my score over the last 12 months. What caught my eye was that my score had risen to a high of XXXX, and very soon after had fallen to XXXX. Then it went to XXXX and to the present score of XXXX. 
I wanted an explanation for the drop from XXXX to XXXX. The site said that if I had any questions about my XXXX score, I should call TransUnion, and it listed a phone number. On the XXXX, I also obtained my free annual credit report from TransUnion. There was nothing negative in it, all my accounts showed as continually paid on time. Eight days later on XXXX XXXX I called TransUnion at XXXX XXXX to see if someone could explain the sharp XXXX point drop in my score. Not only would n't they explain it, they claimed their records showed a current score different from XXXX ( but they would n't tell me what it was ), and they speculated that XXXX was using a different scoring model than TransUnion does ( they mentioned XXXX ). They were denying that they even supplied the score that XXXX was displaying. So I asked to talk to someone who was aware of the apparent business relationship that existed between TransUnion and XXXX, and they refused. They told me to go back to XXXX for any explanation of the score. So I called XXXX at XXXX XXXX to ask for an explanation of the XXXX point drop, and to verify who actually calculated the score I was seeing on the XXXX site XXXX XXXX or TransUnion. The XXXX Customer Service Rep. claimed they simply posted the information provided to them by TransUnion, that XXXX DID NOT calculate the score themselves. And making sure to mention that they provided the score for FREE, there was nothing else they could tell me, and I would have to contact TransUnion for any explanation of the score. In other words, BOTH organizations were claiming that the score was not calculated by them, it was the other guy, and go talk to the other company if I wanted any further explanation. I would like to know who calculates the score, and I would like an explanation that justifies a XXXX point drop in just XXXX or two months without any negative data to support it.
this problem is with ocwen loan servicing ... .they somehow have taken my morgage from a XXXX escrow overage to now my payments are late and i am now {$7000.00} behind..i contacted you previously but nothing was done.
XXXX previously agreed to settle account in the amount of {$200.00} and at no time during the correspondence did XXXX state that it would be sent to collections or that I would have to pay collections. The settlement stemmed from overbilling, misquoting prices on plan, cramming of charges. I filed my complaint with XXXX DOJ and the agent was involved from the beginning to the settlement of {$200.00}. XXXX XXXX, Executive Services Analyst of XXXX failed to respond to my last XXXX requests how she now stated the collection agency when we had corresponded for the last few months. I believe that XXXX is attempting to harass me due to their inadequate collection tactics, improper error in pricing and the cramming of unauthorized charges to accounts. Due to the failure of XXXX to respond, I would like to pursue this matter further.
I had started to make weekly payments back in  XXXX , for {$50.00}.
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A total of 36 payments had been made, equating to {$1800.00}.
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There was then a repayment fee applied??? Thus, I was penalized for making payments on this loan: XX/XX/XXXX  -- Repayment Fee -- {$340.00} I had made numerous calls around that time to discuss the payments that I had made as well as the repayment fee. I could not get any assistance, nor see any of my payments being applied. There is no indication that any of my payments have reduced my principal balance.
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I had noticed another " repayment fee '' that was applied prior to that :  XX/XX/XXXX  -- Repayment Fee -- {$370.00} I had also questioned this, and was not able to get any explanation.
The account is riddled with random fees, such as " insurance premium '' and " adjustment ''. There is absolutely no explanation/indication as to what these fees are. Moreover, I am being penalized for making payments on this student loan?
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Again, I had just made a payment on  XX/XX/XXXX  for {$100.00}. This payment was not applied to principal. The entire payment was applied to interest. There is no indication of how this payment adjusted the total balance of the loan. The total balance of this loan has continued to grow, despite making the {$1900.00} payments indicated.
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It is near impossible to get a hold of customer service agent. If one is able to get a hold of an agent, they do not provide any information/clarification as to what is happening with this loan. I am being taking advantage of by this company in a very egregious way.
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The loan did not go into repayment until just now, indicating that my first payment is due on  XX/XX/XXXX  for {$37.00}. I do n't know what to do given that all my prior payments have disappeared -- and I was additional penalized by making these payments before the loan was due. This is absolutely unheard of -- and frankly an abusive practice.
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I have yet to see any of my payments being correctly applied to this loan, as well as yet to receive an explanation on all the " miscellaneous '' fees I am seeing being applied to the outstanding loan balance.
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My unpaid principal balance is showing higher than the initial loan amount. How is this possible?
Original Principal : {$10000.00} Unpaid principal :  XXXX  Unpaid Interest : {$570.00} Again, none of the payments I have made over the life of the loan have been applied. This was previously a  XXXX  loan, and there were payments made during that time as well. I have contacted my bank to obtain statements showing the payments made prior to the loan being sold to Navient.
I sent money to an individual through the XXXX app which is partnered with my bank, PNC. I was scammed and the item I paid for was not provided and the individual has since disappeared. I filed a dispute with my bank and after 2 weeks they said there is nothing they can do about it. I have spoke to several reps at PNC Bank and was even transferred to the escalation department and was still told oh well we cant refund your money because you initiated the transaction.
XX/XX/XXXX, XXXX of my Chase credit cards were used fraudulently to make purchases. I spent hours on the phone with the credit card company to sort out the matter. The different representatives I talked to gave me conflicting information as to how the credit card was stolen- one said someone called Chase pretending to be me, requested new credit cards to be mailed and then came to my house and stole it out of my mailbox. Another person said new cards were mailed to an alternative address. I have called Chase back a few times to find out details about the investigation but they refuse to tell me exactly what happened, which makes it difficult for me to protect myself from future theft. 
Chase cancelled the credit cards and mailed me new ones. Unfortunately, on one of the stolen credit card numbers, Chase made a huge mistake- on that card, there were XXXX charges that were fraudulent ( both on XXXX/XXXX/16, XXXX made at Target for {$32.00} and XXXX made at XXXX for {$11000.00} ) but instead of just marking those XXXX charges, Chase marked 4 months of purchases ( from XX/XX/XXXX to XX/XX/XXXX ) as fraudulent. Soon, I started getting contacted from different vendors I have made purchases from with that credit card stating Chase is disputing the charge and refusing to pay the money ( or want their money back ). I started getting emails from vendors asking for alternative payment methods from purchases made several months ago since Chase was disputing the purchases. This causes big problems and Amazon ( one of the Vendors I 've made purchases from with that card ) even froze and closed my account because of this. I called Chase many times to clarify the problem- that 's when I found out they had mistakenly marked 4 months of purchases as fraudulent ( when only XXXX purchases were fraudulent ). I spent countless hours on the phone with Chase, being transferred between different departments. Each time, I explained the situation, told Chase rep all the purchases on that credit card were made by me and not fraudulent ( except the XXXX that resulted in the closure of my account ) and each time, the representative from Chase told me they were going to correct the problem- that the vendors will be paid and this will go away. It 's been 2 months and the problem has not been resolved. I continue to get contacted by vendors stating Chase is disputing the purchases from XX/XX/XXXX to XX/XX/XXXX or have not paid them. There 's even a few refunds on items I have purchased ( and have already paid off on my monthly Chase statements ) where Chase will not refund me the money back because the purchases are being questioned by Chase as fraudulent. I have called Chase multiple times with no resolve to this issue. It is frustrating that nobody at Chase seems to acknowledge their mistake, the trouble it 's causing and attempt to correct it. I am left with vendors that want to be paid, refunded money Chase wo n't give me and questions about how my identity and credit cards were stolen in the first place.
TransUnion, incorrectly entered XXXX new entries that they were not there on the XX/XX/XXXX report and all XXXX are incorrect the XXXX liens were released in XX/XX/XXXX Docket # XXXX and XX/XX/XXXX Docket # XXXX See Attached IRS refunds of all penalties and interest Also the XXXX has been illegally reporting me and file a Judgement on a wrong account that is not mine and is over XXXX years old all of it must be removed
I got served a Summons from the Attorneys of JOHNSON MARK LLC about a debt that I owed to XXXX XXXX XXXX.

I sent them a debt verification letter in return and received a reply. 
In Utah, you have to be registered and licensed as a debt collector in order to try and collect on a debt. When I called the office of JOHNSON MARK LLC, I asked the gentleman I spoke to if I could have their professional license number so I could verify if they were licensed to be a debt collector. He claimed to not know where he could find this information, and I would have to do so on my own. 
I called the Utah Division of Commerce, Consumer Protection and found out that while JOHNSON MARK LLC is a legal law office, they are in no way registered or licensed to be debt collectors, so have no legal right to try and collect on my owed debt.
Fith third bank ( contribution reference # XXXX ) reported inacurrate information to Early Warning system. As a result it reflects my report in a very bias way. After contacting Fith third bank on this matter, they ask for my information to see if they could resolve the matter. I.E. my account number or debit card number XXXX, Business name XXXX XXXX XXXX personal name XXXX XXXX XXXX. After giving this info they informed that they didnt see anything that was reported. So im asking for this matter to be investigated and release of any negative info on my report .Thank you
Background : In 2012 I received XXXX, from Chase, in the amounts of {$2900.00} and {$4600.00}. I claimed the amounts on my taxes as income. The XXXX says the " lender has discharged ( cancelled or forgiven ) a debt you owed ''. Chase continues to report the account : * as having a balance of {$5900.00} and {$3900.00} Problems : 1. The balances are inconsistent with the amounts on the XXXX 2. It is painting a picture that the debt is still owed. I have paid taxes on it and Chase has claimed it as a write off for tax benefits. 
3. As a result, I have had to pay increased interest charges. 
4. I have been turned down for credit as a result of this reporting. 
If I received a tax form indicating that the amount was " cancelled '', I paid taxes on the amount, and Chase received a write off for it, it is unfair that it is not reporting a {$0.00} balance. If I paid off the account, then I would be paying more than what was owed because I paid the amount, plus the income taxes on it.
Fail to reverse unauthorized charges - fail to real email indicating I have no dam phone - fail to mail or email - all details were submitted per bank request - still have not reversed charges or send new cc card. Why?
Twenty two years ago when I was XXXX years old I signed a Retail Installment Contract with XXXX XXXX XXXX to finance a gym membership with XXXX XXXX XXXX in the amount of {$1000.00}. Four years later my wife was served at our home at XXXX XXXX XXXX XXXX GA XXXX with Civil Action XXXX in regards to this unpaid contract. A judgement in this matter was filed on XXXX XXXX, XXXX and my wages were subsequently garnished until the judgment was satisfied in full. Please see the attached documentation showing the garnishment on this matter was satisfied in full on XXXX XXXX, XXXX. I never heard anything further regarding this matter. We were never informed of any liens on our property pertaining to this matter. 

On XXXX XXXX, XXXX I received a letter from Fredrick J Hanna and Associates in regards to a judgment in the matter of XXXX v. XXXX XXXX in the amount of {$770.00}. On XXXX XXXX, XXXX I called and spoke to XXXX XXXX with this firm and discovered that this was the XXXX judgment. I informed him that this judgement has been satisfied twenty years ago when my wages were garnished. I also requested Validation of the Debt and followed up this call with a letter ( see attached ). I never heard anything back from this firm nor received any Debt Validation. 

XXXX XXXX, XXXX I sold my property at XXXX XXXX XXXX and a law firm handled the paperwork pertaining to that transaction. Subsequent to the sale of my property I was contacted by the law firm because they had been contacted by XXXX XXXX XXXX regarding an unpaid lien on my property in the amount of {$820.00}. After researching this matter I have discovered that it is in fact in regards to the debt that was collected by Fredrick J Hanna and Associates back in XXXX. After the satisfaction of the debt by garnishing my wages they subsequently filed not XXXX but XXXX liens against my property. XXXX in XXXX and XXXX in XXXX, XXXX on a debt that had been fully satisfied back in XXXX by my wage garnishment. The firm who handled my closing unfortunately paid them the money and are now trying to recollect it from me.
In XXXX of 2017 my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, XXXX closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to XXXX in the amount of XXXX on XX/XX/XXXX. I called XXXX XXXX almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. XXXX reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me XXXX was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX XXXX received a payment from GAP, XXXX then forwarded me two refund checks and sent a letter stating the account was paid off. In XXXX of XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called XXXX several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then XXXX reported negatively again.
I have reviewed my credit report several times and collection account from Commonwealth Financial continues to reflect negatively on my credit report. I do not recognize this account and if it was a medical debt it should have been covered under my insurance and/or medicaid. I have attempted to resolve this issue several times with the agency but they have failed to validate the debt as accurate and that they have legal right to attempt to collect on this account.I have also attempted to resolve direct with credit bureaus with no resolve.