WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a dispute through   XXXX   XXXX    XXXX   XXXX   XXXX   2017 but  i also did my own work and came across that this company is not bonded in the state of texas to collect debt.
I ordered a Supplement thru a company called XXXX that was offering a vitamin for {$5.00} trial time. I ordered the supplement using my Capital One Card. The next month I saw a charge for XXXX on my card and hit the roof. I called Capital One and told them I did not authorize this charge. They cancelled the card and sent me another one, with a new account number. Next month I saw another charge for the same amount. I hit the roof and called and capital One again complaining. I asked how they received my new card number and charged my account without my authorization. Capital one told me " XXXX Has An Agreement With MasterCard to Allow Them To Do This '' I told them I wanted the account suspended and no more charges to be authorized on it. I was hung up and then placed on hold for 2 1/2 hours for asking to speak with a manager. After, getting even more angry. They have added another charge for the same thing this month of over XXXX. It was called a chargeback.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Equifax To Whom It May Concern : I continue to dispute the validity of this account. I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,
customer service representative called and asked to verify address. When I asked what this was regarding. She would not tell me and repeatedly asked me to verify my current address. I said please take me off your list. And she said they do n't have a do not call list. Again and forcibly she asked for me to confirm my current address without telling me why. At this point I said goodbye and hung up. 

I did not know it was a collection effort from XXXX XXXX XXXX XXXX until I got a letter in the mail stating I owed XXXX a past due bill from a prior residence. Which I have since paid. The tactics used by this company are not okay and deceitful.
I had 20 student loans with Sallie Mae in forbearance. Sallie Mae and Navient split and 10 of my loans somehow defaulted. Sallie Mae did an investigation and stated they made a mistake but I would need to send certified letter to Navient to buy back loans. Navient refused to buy back the loans from XXXX XXXX. So I had NO CHOICE but to do a consolidation with XXXX XXXX XXXX. Now on my credit report these loans are showing NEGATIVELY 120 days late which they were not!!! I have spoken to Navient and they are unwilling to update the status to NEVER LATE. Sallie Mae " has no record ''. I filed a dispute with all 3 credit bureaus and they came back " accurate information '' which is not correct. I have ALL OF THESE ACCOUNTS COUNTING AGAINST MY CREDIT!! Please help!! I am asking for the Navient and Sallie Mae loans to either change their status to paid never late so they can reflect POSITIVELY or REMOVE them totally from my file. They are paid and closed but still affecting my credit negatively to no fault of my own! XXXX XXXX should have never been on there and would not have been if Sallie Mae hadn't made a mistake so I am asking to REMOVE that account totally. Basically I have 4 different groups reporting the same monies. My loans are in good standing with XXXX  XXXX XXXX. I have attached 2 of the 3 credit reports as XXXX is about 30 pages long. You will see the same account numbers and 20 to 30 accounts for the same monies. This is the biggest hit to my credit score and it's really not fair. I am trying to purchase my first home and this will prevent me from doing so. Navient 's devious tactics can not continue to ruin people 's lives. After I disputed Navient started reporting the XXXX XXXX loans under them which had been reporting under XXXX XXXX all this time. Please help and Thank you for your consideration.
There is an ongoing dispute between myself and Scottrade Bank that has caused me to loose access to my funds and suffer hardship as a result of Scottrade Bank 's delays on letting me access my account. 

Specifically, I submitted a complaint against Scottrade Bank and the OCC for what I would consider to be illicit actions by a Scottrade Bank employee, regarding the handling of customer information and critical financial information. Days after sending the complaint, Scottrade Bank locked my account, but failed to inform me of this action. Weeks later, when attempting to access my account, I noticed that my account had been locked. 

I called XXXX who said I needed to call the local branch. I then called the local branch and they said I needed to call XXXX. I was caught in a catch-22 with no access to my account or my funds. 

I am writing this complaint as well as providing the attached in hopes that the CFPB can investigate the fraud at Scottrade Bank and mediate a helpful resolution.
I do not have no knowledge of account, I have sent them written disputes to remove this fraudulent debt but continue to report this on my credit report and severely damaging my credit status. I would like this permanently removed.
Owed XXXX a {$30.00} fee and paid. Transworld Systems continues to try to collect the debt even after I confirmed with XXXX they received payment
Wells Fargo issues with unethical behaviors, poor business knowledge, and refusal to refund money for services paid that they did not deliver. More details : Wells Fargo failed to acquire a mortgage in a 3 month period ( XX/XX/XXXX thru XX/XX/XXXX ), when another company was able to do so in 3 weeks ( XX/XX/XXXX ). As shown in the attached response from them, during Wells Fargo 's  attempt to acquire a mortgage they required flood insurance for a home not in a flood plain ( leads to questions of an insurance scam potential ), they routinely lost documents ( leads to questions of poor systems and identity theft problems ), they ignored timelines agreed upon by all parties most notably the purchase agreement timeline to provide proof of financing ( leads to questions of poor training and ignorance of contract knowledge ), and they pressured banks to provide information they were not authorized to do so ( leads to questions of unethical activities ). We fired Wells Fargo and requested they provide all doucments paid for and/or refund fees paid ( {$540.00} ). They were unable to provide the documents needed ( their agreement states those documents were to be provided, see attached email information ) and a second appraisal was needed for the new mortgage. They now refuse to provide any refund stating we authorized them to do the appraisal ( true ) but they did not provide the documents required for the appraisal to be used by a second company. We wish to have all money paid to Wells Fargo refunded and to alert others to their problematic services.
Equifax 's incompetence led to my social security number being exposed via a security breach and they now ask for money from me to put a security freeze, literally profiting from putting me at risk.
transunion and XXXX  are still reporting an old bankruptcy which by law shouldn't be on their due to the five items necessary to be on the 2012 bk are not being met. Under the law it does not have the required info to remain on my record.
I am filing a second complaint against Equifax because incorrect information continues to show up on my credit report. As a result, this is causing me a great deal of anguish and frustration. Furthermore, it's causing me to have a low credit score which impacts my ability to get credit. I reported the same complaint on XX/XX/XXXX and the information with regards to XXXX XXXX remains on my credit report as being 120 days past due. The mortgage was modified XX/XX/XXXX which brought the account current and placed the account under my ex name. Despite my continued efforts to get Equifax to update their information they continue to reinsert incorrect information on my credit report. I would appreciate any help in getting this resolved.
In late XXXX to early XXXX, my mortgage loan servicer, Ditech, had been undergoing significant internal software changes. Twice there were disruptions on payment due date notifications, and when I attempted to pay, their system did not register it correctly. Ditech even waived late fees in acknowledgment of fault. Now, there are XXXX 30 day late payments negatively affecting my ability to refinance. Multiple customer service calls were had in which there was understanding conveyed it would be remediated. I 'm also a flight attendant and often travel, making communication and opportunities to resolve matters more difficult. Ditech agreed they were at fault for the reporting errors but have yet to adjust for the bureaus. Please help to resolve this.
I do not really know what to select here. I could not find a way to contact Transunion about this problem without making a phone call which I am reluctant to do because I do not want others accidentally listening to my conversation. My problem is this : I can not freeze or unfreeze my credit report with Transunion without paying for their credit monitoring service. A cost of about {$9.00} per month. I can freeze and unfreeze my credit reports with XXXX and XXXX for {$3.00} per transaction. I want to know why Transunion does not offer this service. If this is going to continue to be the case, is there any way for me to keep my credit reports from going to Transunion altogether?
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX   XXXX, XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX
This account is closed on XXXX 2008 but on my credit report still show a late payment. the account is closed more than 7 years. please removed this information from my credit report.
I have tried too many times to resolve this issue with XXXX. They have a LEGAL obligation to update my credit report with true information and they refuse. If my claim isn't taken seriously I have sought counsel and I will pursue a lawsuit. I think this route will be cheaper for XXXX.
XX/XX/XXXX submitted a request for short sale approval loan care loan # - XXXX, poc contact # XXXX   XXXX XXXX  XXXX ; email - fax to XXXX, XXXX, or XXXX, XXXXt ; XXXX LoanCare closed their review file in XX/XX/XXXX stating documents needed were not received. The package was sent again on XX/XX/XXXX. The documents were complete, customer service verifies verbally they see the documents but loss mitigation is prompting the system that the docs are needed There is a ready willing and able buyer trying to close by month end XX/XX/XXXX ( we could have closed in XX/XX/XXXX providing further legal resolve ) and the first lien approval extended once already is about to expire. We need to get to closing before foreclosure.

Loan Care is not processing the file competently and we need them to be accountable for the delay, process the file and provide a response asap.

please help XX/XX/XXXX has been processing the short sale for settlement and has all communications documented.

We simply need this bank to process the documents and provide a response asap.

also, banks do not understand the legal listing agreement. they request extensions to this document when they are not needed. Paragraph 4 clearly states the agreement is valid if a contract is entered prior to the listing expiration. please help all banks understand this as it causes delay transaction after transaction.
I 've been a Chase cardholder for about 4 years and never missed a payment. I had 2 credit cards opened and tried to make purchases and found they were n't working. After contacting Chase I was coldly told that Chase does n't have to explain why they abruptly closed my accounts and they have a right to end the relationship.It is very bothersome as most of my credit was on these 2 cards. Furthermore, their actions will negatively affect my credit score and I have done nothing other than trust Chase with my credit score. I 'm very disturbed and would like an answer. I would also like to warn consumers that  Chase should not be trusted, they can ruin you with a heartless bat of an eye. Try XXXX, they care and are much more reliable.
I receive at least 10 calls a month for a XXXX XXXX for a debt that he owes. My last name is XXXX. There is NO XXXX XXXX living at my residence, in my family or even a friend. I have been instructed by a electronic voice to hang up if I am not XXXX XXXX. When I do, they continue to call. I have called them, they have apologized and said my number would be taken off the list. It has not. I am being harassed by these people and would like the calls to stop.
I borrowed {$300.00} from mypaydayloan.com. I was paying {$90.00} every other week to " extend '' the loan. I did this for 14 payments which equaled {$1400.00}, but still " owed '' them {$390.00}. This {$90.00} was only to extend the loan and was not being used to pay down any of the principal. This was not disclosed when the loan was applied for. I stopped payment on the payments in XX/XX/2018. I am now being contacted by XXXX at work, at relatives saying I owe them {$1000.00} ... how in the heck can I still owe them that much. Oh ... .penalties and interest of course!! How absurd ... what a sham and a scam! I would hate to see other people who are in need of quick funds get pulled into this wicked operation!!
Hello, Im writing to express the difficult transition in the transfer of my private student loan from XXXX to FirstMark Services. I have been paying this account since XX/XX/XXXX, without falling behind on my payments. I had been using an online account to make these payments. As of XX/XX/XXXX my loan was no longer being serviced by XXXX, which I just found out XX/XX/XXXX and immediately paid the entire amount past due. 

During this transition I never spoke with either party that this was happening. Never receiving anything in the mail or by phone. I did search and find several emails from FirstMark services in my junk folder after I had discovered there was a transfer. The website I had been using to make payments ( XXXX ) has/had no messages informing me of this transition. I discovered what had transpired by contacting XXXX on the phone because I have been unable to make payments via website or automated phone system. When trying to make payments on the account it displayed there is no minimum payments due. I should have called sooner to investigate the disapearance of my loan, and for a few months I just assumed that I was ahead of my payment schedule which is why there was no minimum due. 

After calling around finding the new location of my loan I was informed that I was only days away from defaulting on a $ XXXX/month loan that I 've never missed payment on prior to this transition. 

I hope there is someway to fight the late payments filed to creditors since I work very hard to my debts and maintain a healthy credit score. Thank you for your time.
On XX/XX/XXXX, I was contacted by a collection agency called, Advantage Group, XXXX, in XXXX, New Mexico. The call was in regards to what they said was XXXX outstanding debts. The first debt was from XXXX XXXX ( XXXX, NM ) for {$49.00}, for date of service on XX/XX/XXXX.The second debt was from XXXX XXXX ( XXXX, NM ) for {$45.00}, for date of service XX/XX/XXXX. I was not given any type of claim or reference number for these accounts from this collection agency. After a brief conversation with a woman at this collection agency I called my insurance company, XXXX XXXX, and the XXXX XXXX XXXX Department. After further investigation, XXXX informed me that the bill in question to XXXX XXXX was paid in full on XX/XX/XXXX, Claim # XXXX. XXXX XXXX XXXX stated my account had a zero balance and the debt had been paid on XX/XX/XXXX in the amount of {$45.00} on Acct # XXXX. I am not sure if this Advantage Group is legitimate or not, however, they certainly are living up to their name of taking advantage of unsuspecting people. I live off XXXX and a small government pension. I am appalled that this or any other company of this nature preys upon people. If it has happened to me how many others has it happened to. In spite of my health conditions, I understand how insurance works as I am retired from XXXX after nearly 40 years, of which over XXXX was served as a XXXX at the XXXX, NM XXXX XXXX XXXX. This fraud must be investigated so that others, especially the elderly, will not be taken advantage of by this or any other company of this sort in the future.
I obtained my mortgage in XXXX and remained current until XXXX, when I experienced some financial difficulty and subsequently applied for and received a loan modification late that same year. I experienced temporary financial difficulty again in late XXXX by way of my father 's illness and subsequent passing in XX/XX/XXXX. I attempted to begin payments again that same month ( XXXX  ) but the payments were refused ; I was approximately {$7000.00} in default ( with lender+ trustee fees ) at that time. 
Since XXXX, I have attempted 4 times to submit a 2nd request for mortgage assistance ; I was repeatedly asked for more documentation each time, then informed on XX/XX/XXXX, that I did not qualify, although my earnings have remained the same and I have the means to cure the arrears through a modification. 
I initially applied in XXXX and throughout the back-and-forth ; the arrears have continued to increase.
i have been trying for weeks to find out my credit scores. at every website, I fill in the requested information, only to get a popup which states that my informationdoes not match credit bureau records. 

and there it ends. I can not even find out what the discrepancies in the infor-mation are, much less how to resolve them. 

I ca n't even find out if there is a physical location in my town where I could takemy actual information for comparative purposes.
I went and checked my credit and, saw that Company : GRANT & WEBER Account # : N/A Balance Amount : XXXX Status : Credit Report Collection but, they had NEVER contacted me first. It was a Medical Debt from XX/XX/XXXX and, ( did not know about it ) XXXX XXXX ( without contacting me ) then on a different part of the Credit report states it was XXXX XXXX Hospital for {$1400.00}.
I have contacted both Seventh Avenue and XXXX XXXX XXXX, regarding a negative report that these XXXX companies have placed on my credit report file with the XXXX credit bureaus. I have asked both agencies to provide me valid proof baring my signature that the account reported was mine. However, they have failed to provide me valid proof baring my signature as required by the FDCRA. They also broke the federal law, by not report that I was disputing the account that they reported to all XXXX credit bureaus as required by the FDCRA. My first dispute was in XX/XX/2016, which XXXX agencies signed for a letter from me XX/XX/2016 that was sent certified/return receipt by the USPS.
Within literally minutes of opening a new cell phone account and number with XXXX XXXX ( KY ) is received a phone call from XXXX. I did not answer but when I got another call several days later I returned their call to see what it was about. I spoke with a " customer service representative '' named XXXX, who refused to give me any information until I provided him with my name and phone number. He said their call concerned " personal and private '' matters. I could not get any additional information from him. I insisted that he connect me with a supervisor and after several minutes on hold he did so. They identified themselves as EOS CCA, and I finally figured out that they were some sort of a debt collection company, but the supervisor would not provide me with any information about the reason for their calling me. He was very evasive when I asked him direct questions about how he got my phone number and why they were initiating this phone contact with me. I finally insisted that they take me off their call list, which he said he did. I told the supervisor that I expected they would NOT ( emphatically stated ) call me again and that I would be filing a complaint with an appropriate government agency. It is amazing to me that they would call me so soon after opening a new telephone account with a company I had never previously done business with. Incidentally my credit rating is impeccable and I am debt free. Interesting to say the least. Are they legitimate or scammers. The are inconsiderate in the least.
I have several inquiries on all three major credit bureaus that I did not authorize. On XX/XX/XXXX I contacted XXXX XXXX via phone to inquire about their requirements for financing a vehicle and specifically asked if a soft pull could be done just to see if it would be worth applying. The rep assured me that there would be no hit ( hard inquiry ) to my credit. I asked several times and was repeatedly told that there would be no hard inquiry. I then received notification alerts of several inquiries to my credit reports from them as well as a few other financial institutions that they sent my information to all without my consent and the rep blatantly lying to me. I contacted them to have the issue resolved and was told that they would not help me. 

On XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX ) my daughter was shopping for a car at XXXX XXXX XXXX and asked about financing and was told she may need a co-signer. Again, I asked if a soft pull could be initiated just to see if it would be worth trying because I was sure that I would not qualify and did not want to have any more inquiries and again I was lied to and ended up receiving notifications from 8 financial institutions and I wasnt even present again at this dealership. They financed her without the need of a co-signer so I am confused as to why they lied about the soft pull and ran my credit without the need to. I contacted them and was offered nothing more than an apology. 

As I was looking at my report I noticed a couple other inquiries that I did not authorize and I have contacted the companies as well as the credit bureaus and they all have refused to remove them. The following inquires were made without my consent : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX TXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
since XXXX bank of america has charged my credit card account to XXXX.I do not owe B of A XXXX.they say they revoked my previous fraud award monioes this year XXXX.for some other younger males transactions and want me to foot the bill because they grabbed him for a purchase of 3 days on-line XXXXhe originally tried to purchase the 3 days of XXXX with XXXX which did not go thru.while he was prompted to the pop up ad to that web site he was provided an ad for XXXX XXXX XXXX XXXX which he began to purchase but did not enter his account numbers for the purchase .but, since on the mobile app.the numbers were already entered allthopugh the bank blocked the purchase the account has been hacked i think and the b of a is saying that my previous fraud claims are not valid and the b of a needs to cover thier XXXX maybe and are fraudently stating i owe revoked fraud claim award money totaling XXXX. i dissagree with me owing them any money.my availabel credit XXXX was XXXX and i want my XXXX availabel credit restored or my claim resolved arbitrillary and my account closed with me owing the bank of america any money, because the card has been duplicated.