WillisBack/dataset-financial-user-claim huggingface dataset:
I sent credit collections a letter asking them to verify 2 medical bills that were on my credit report on XXXX XXXX, 2017. As of today, I have not received anything back from them in reference to the debt. The two amounts are for XXXX dollars and the other is for XXXX dollars. I was not aware of these bills and do not have recollection of the days they claim I went to the doctor.
Experian refuses to block this information that resulted from identity theft. I notified them that my ID docs were previously stolen and I included my police report, affidavit and ID docs to no avail. I did not open this account, nor did I apply for it. This must be blocked pursuant to section 605B of the FCRA. 
XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA
I have repeatedly asked them not to contact me at work. Yet they continue to harass me while I 'm working as a XXXX, putting my job and XXXX in jeopardy.
I was checking my credit score after being rejected for a job due to the large drop in my credit score. My credit dropped 127 points and said I did not make a payment and it was over 30 days late. I've made all my payments on time and make sure they clear my bank. The show the amount of {$860.00}, but this is not my payment nor would it be if a " late '' penalty was added in. All my payment have cleared on average of 7 days after payment has been made. My normal mortgage payment is {$810.00} and due on the XXXX of each month. 
I tried to call the company, I was put on hold for over 2.5 hours ( I finally hung up ), I put in my loan info, the line rings busy, an automated recording comes on and then hangs up on you. I've sent an email to every email address on their website with no responses. There is no way to contact this company at this point. 
I've files an investigation with the credit bureau and it is in process at this time. 

This has hurt not only my credit, but my fiance as well. 

How is it a company can make such a gross error and we the consumer should just write it off as it has affected our lives. Companies need to be held on their errors and pay when this messes with peoples lives.
R & R claims I owe {$58.00} to XXXX. I spoke with them and they confirm my balance is XXXX. I had paid {$43.00} XX/XX/2015 making my balance XXXX $ R & R insists I should pay {$58.00} to them. I spent over an hour on the phone calling back and forth and got nowhere. They wo n't cancel the debt. PLEASE DO SOMETHING!
I applied for a job and the employer did a background check. In that report it shows that there is a judgment under my previous name, which was XXXX XXXX XXXX. I changed my name since XXXX, when I became a XXXX XXXX. For the past XXXX years I lived in XXXX XXXX XXXX XXXX California and had no relationship with Discover Bank or Discover Bank XXXX XXXX XXXX company. I initiated my relationship with Discover Bank on XXXX/XXXX/XXXX, when I obtain my current credit card with them. The judgement shows case number XXXX, case name Discover Bank vs. XXXX, XXXX XXXX. The report also shows a match with my DOB. When I pull the case # from the XXXX XXXX XXXX XXXX XXXX is shows the same information but includes a principal balance ( Line XXXX ) of {$4900.00}. I contacted XXXX Customer Service XXXX. on XXXX/XXXX/XXXX, the representative who took my call did a research and stated that when she entered my XXXX only XXXX account shows ( my current credit card with a zero balance ) ; However, when she search by the name and the principal amount she stated that there was an account showing the matched that description. This information was later on confirmed by the representatives XXXX. I requested to have a letter that will clearly state that I only have XXXX account with them ( Discover Bank XXXX, with a XXXX balance and that there are no other account ( XXXX ) with them for the aforementioned principal balance link to me, my SSN, and previous name.
seventh avenue at XXXX XXXX XXXX XXXX wi XXXX first off this is not my debt and also it has been put on my credit report. I called the company and several laws were broken due to FDCPA, the rep did not verify who they were speaking with, disclosed a debt that did n't belong to me also there was no call discourse done which are clear violations of the law. this company has put this on my credit report in 2007 for a XXXX debt. I have advised them it was not me and I am DEMANDING the trade line on my credit report is removed or I will be pursuing for laws that have been broken by there management staff and I would suspect it would cost a lot more than XXXX when I hand over the recording. also I would suggest that the owner or COO or board of directors contact me due to the fact that over XXXX and a law suit that would coast much more would probably not be acceptable, also I will be going to the news, social media about this situation. bottom line REMOVE THE TRADE LINE FROM MY CREDIT REPORT
I have filed a complaint against Check City and they continue to call my cell phone even though they responded to my XXXX complaint by stating they removed my cell telephone number from their system. The fact is, they have INCREASED their calls to XXXX a day by calling from a Virginia phone number. The new number they are calling from is ( XXXX ) XXXX, the XXXX number was ( XXXX ) XXXX. Please see my XXXX complaint, Number XXXX. The company responded to the XXXX complaint by saying they placed my cell telephone number on a DO NOT CALL list in XXXX, but calls continue to pour in and I find it interesting they have switched the number they are calling from since I refuse to answer the old number they were using. And, they have XXXX up on their attempts to call my cell phone ... I am now getting calls from both numbers DAILY.
I am being harrassed by Navient about a student loan. I filed bankruptcy and this loan was put on hold. Since coming out of bankruptcy, I receive calls twice a day about my student loan. I have contacted the company and told them I can not pay what they want monthly. I am sending payments according to my finances. I am a senior citizen and am on a fixed income with a lot of medical bills.
On XXXX XXXX, after XXXX business hours ... I made XXXX charges, knowing that my paycheck was being deposited first thing in the morning. I discovered that both charges posted that very same night ( which has never happened in the 2 years I have banked with them ), and Chase bank charged me overdraft fees totalling {$64.00} ( {$34.00} each ). I called them right away, explained the situation and was denied any help in reversing the fees.
Charged over draft fee that employee could n't explain. The overdraft was the only thing that overdrew my account
I am looking at my credit score and i am seeing a few things wrong with this information. XXXX i have a name on there that is not mine. The spelling is different which leads me to believe that someone is stealing my identity. Second there are credit cards on there that do not belong to me. I have never owned a credit card. I would like this information reviewed. The credit card i noticed right off hand was kohls credit card. I have never shopped at this store. Please let me know how this can be handled.
Mortgage changed hands several times XXXX XXXX XXXX to Greentree and now Ditech. Received final discharge of chapter XXXX bankruptcy in XXXX 2016. Received notification from identity monitoring that Ditech reported XXXX 2016 payment delinquent. It was paid XXXX XXXX. Ca n't reach customer service representative since then. Hold times over 45 minutes then call disconnected or goes to original menu. Emailed customer service and received confirmation of receipt. Told I would be contacted by mail. Can not access account payments online. Information disappeared and it prompts you to call bankruptcy department back to same phone tree which is now answered by XXXX XXXX XXXX XXXX. I 'm aware the parent company known as XXXX XXXX was sued for XXXX for deceptive practices while doing business as Greentree. Seems like same sort of issue persists under Ditech name. Hundreds of recent complaints from many people like me trapped by these scam artists.
None of the categories were a very good match for my complaint. I tried to pay my credit card bill as I usually do, but found that I have been locked out of online access to Capital One. Over the last month, I have made repeated calls to their customer service and been escalated to technical support. I knew that a late charge would be applied to my account, and it was. At this point in time, I have called 11 times. The crux of the matter is that XX/XX/2018, I legally changed my name and gender. My social security card, identification, insurance, etc ALL reflects this change. At this point in time, I have 2 credit cards that hadn't been switched. I had sent documentation of my name change to Capital One a couple months ago, but didn't hear anything back from them. During every call to their support I mentioned my name change. After 8 calls to them with no progress on being able to access my credit card online I canceled my card and requested a closing statement, which they did send. However, I then received an email informing me that my Capital One 360 bank account was overdrawn. I tried to log in to see what had happened. That was when I realized that it wasn't just access to my credit card that was locked. It was also my checking account, my savings account, and an investment account ( which I normally ignore ). I called customer services yet again. I explained my situation again, and the customer service agent removed the late fee, and escalated the call to tech support. This time I was told that my name was changed on all of the accounts except one and that the mismatch was causing the trouble. This agent informed me that he was unable to do anything about it as it was a 15 year old auto loan and only people in that department could help me. He gave me another phone number to call. I called the Capital One auto loan department the next day. The customer support person was polite as I explained my frustration about how much time I had invested in trying to access my own money and credit. She put me on hold, then came back to explain that there was a balance due on the auto loan, ( which I dispute ), and that the only way to change the name on the loan would be to refinance it, but that it wasn't refinance able because of the small amount ( under {$500.00} ). The loan is so old that it does not show up on my credit report and would not be collectable even if there was a valid balance due. They want me to send in a birth certificate AND the court order showing my legal name change. I was not assured that this would fix the problem. I had already sent them copies of my driver 's license, my username, passwords, answered every security question, and given my current/previous addresses, etc. I have not been asked for my birth certificate by any organization I've done business with, not even to get a new driver 's license. I request relief and assistance in my dealings with Capital One to make them update the names on my accounts to my legal name. The amount of effort I've made should be enough. No one who has changed their name through marriage is made to go through this type of process. It is blatantly discriminatory. 

XXXX XXXX
I owed XXXX private student loans with XXXX XXXX XXXX totaling around $ 124k. With that and other debt i chose to go through a chapter XXXX bankruptcy in XXXX officially discharged XXXX. It was negotiated that they would reduce amount owed to $ 60k, no interest, and $ XXXX for 236 months. It was not reported to the credit bureaus. My father died XXXX XXXX, I forgot to add the payments to my new budget for the year. I never heard from XXXX what so ever, then in XXXX their attorney representation contacted me threatening lawsuit. I communicated with them and they agreed to reinstate the original agreement. " start over ''. i have been making payments. I tried to apply for a consolidation loan for bills today XXXX XXXX, XXXX. I was informed that Transworld System Inc a collection agency was reporting the loans as in collections. TSI also has not communicated with me in any ways. I need it removed from my credit report immediately. It is destroying my credit to the point I am unable to use the VA Home Loan option I served my country for. I also am unable to get any loans including auto loans. Please help me. I am XXXX years old and have XXXX daughters. I believe I deserve to have the " American Dream '' please help me figure this out. Thank you.
XX/XX/XXXX Called Synchrony to request cosign verification, but they told me the account had been transferred to a new company. I called that company, and they told me the account had been transferred to a company called XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX ext. XXXX ( Customer Relations ) Per phone call with XXXX on XX/XX/XXXX, they placed order for Credit Application. They will send me the application as soon as they have it XXXX provided me with the following info regarding the line of credit : o Credit Card Account for XXXX XXXX with Synchrony Bank Opened on XX/XX/XXXX Sold to XXXX on XX/XX/XXXX Balance as of XX/XX/XXXX : {$4300.00} XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XX/XX/XXXX Received letter with detailed account history as verification that the balance is correct, but this is not what I requested XX/XX/XXXX Sent letter to XXXX requesting original agreement/credit application/any documentation proving I actually cosigned for this credit card XX/XX/XXXX Received second letter with detailed account history as verification that the balance is correct, but again, this is not what I requested XX/XX/XXXX Called XXXX to request proof of cosign again, but they informed me they transferred the debt and all accompanying info to new firm called XXXX XXXX XXXX Called XXXX XXXX XXXX to request verification of cosign, but they said they do not have that information. All they have is proof of debt. I asked if they can tell me where the original agreement was started and signed ( store location ), but they said they dont have that information either. I told them Id like them to remove my name from the loan since no one can provide proof that I cosigned for it, and they replied saying they, Could make payment arrangements. I told them I wont make payment arrangements for a debt that is not mine. <P/>Todays Date : XX/XX/XXXX Letter Received : XX/XX/XXXX To Whom it May Concern, It is alleged that I cosigned for a credit card account for an individual named XXXX XXXX. I have not spoken to XXXX in years, and when I recently started receiving calls from debt collectors, I attempted to contact him. I have tried to call him, text him, email him, and even contact his mother in order to obtain accurate contact information. However, I have not been able to contact him, so I am hoping you are able to help me. I do not recall cosigning this credit line for him, so I am requesting a copy of the original agreement/contract/etc. with my signature as evidence that I signed. If you are unable to obtain a copy of an agreement with my signature, I am requesting to be removed from this credit line. Please send all mail to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX You are also welcome to call me with any questions : ( XXXX ) XXXX Respectfully, XXXX XXXX
I started working with XXXX XXXX XXXX for a loan modification in XXXX. They approved my modification in XXXX. I made XXXX payment and then was one day late on the XXXX payment so they cancelled my modification. So, I tried again for another modification and they continued to request information over and over again. XXXX XXXX XXXX kept saying to just be patient. You do n't need to make a payment. We are going to help you. And then they eventually in XXXX of XXXX transferred my mortgage to Nationstar. So, I requested a loan modification from Nationstar. In XXXX of this year they started my loan modification processing. They also said they wanted to help me. I sent them information and never heard from them. Finally in XXXX of this year they requested more financial information about my business and insisted that my attorney send them the information. So, I had my attorney send them a XXXX page fax on XXXX/XXXX/XXXX and did not hear from them again until XXXX at which time they requested the contact information for my attorney. I had my attorney fax them that information on XXXX/XXXX/XXXX and have not heard from them again. On XXXX XXXX, XXXX I received a letter from an attorney saying my house was scheduled for auction XXXX/XXXX/XXXX. So, I immediately contacted a Realtor to list my home for short sale to try and avoid foreclosure but, Nationstar now says it is to close to the foreclosure date and they will not consider a short sale. Please help by having them postpone the foreclosure sale and at least allow me time to short sale my home.
The XXXX account listed on my TransUnion credit report shows as past due for XXXX payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. The other credit bureaus show the correct information and XXXX company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. I already submitted a CFPB complaint ( # XXXX ) and it was corrected by TransUnion ; then on XXXX/XXXX/15 it again shows as late. This account needs to be corrected again asap as I am trying to purchase a car and I ca n't get financing.
Hi, I have filled a dispute on X/XX/2014 at Bank of America credit card for {$850.00} for XXXX XXXX which is not taken care of yet please help me out. 

Thank you.
I ordered a product online and never received it. I contacted my credit card company they canceled the order then refunded my money. At that point I received an email from the vendor apologizing for not giving me the product then they said they gave me a full refund. ( in XX/XX/XXXX ) My credit card company then recharged in me in XX/XX/XXXX saying I received the product even though I sent them documentation saying that I have n't received it. The vendor says they refunded my money in XX/XX/XXXX the credit card company says they did n't I have been fighting this since XX/XX/XXXX. The vendor is XXXX the credit card company is Barclaycard. Neither company is helping me and both blame the other while they have my money.
I really need help because I have been disputing a few accounts on my file for a few months and I am getting no where with the bureaus. I asked for their assistance and I did not receive it. I asked for them to put a temporary fraud alert on my file and they did n't. I asked for the documents that were used to " verify '' these accounts and they did not provide them. this is my last resort and I have already consulted an attorney in regards to bringing a lawsuit against them. why are they making this so difficult to remove these inaccuracies when that is their job to make sure this stuff is actually accurate? They did not investigate these accounts and if they did, they would have the documentation to validate these accounts.
A man called USAA Banking services pretending to be me. He did n't not know my user name, my USAA number or my phone password yet USAA " validated '' his identity by asking questions about my credit card, information he obviously already possessed. Once " validated '', USAA allowed him, over the phone, to change my on-line password, on-line pin, on-line security questions and my debit card ATM pin. To make matters worse, USAA " reminded '' him of my USAA number which now allowed him access to my on-line account and this allowed him to transfer {$4900.00} from my savings to my checking. To add insult to injury, USAA approved him to withdraw {$4500.00} in cash from an ATM machine ( he withdrew XXXX {$500.00} withdrawals ). The negligence involved here is criminal! USAA has no concept of security. As soon as this person did n't know my phone password he should have been hung up on!
In a letter to Macy 's dated XX/XX/XXXX, I explained the circumstances of two late payments from XXXX and inquired if it would be possible for a good will adjustment as my account has since been paid off and in consistent good standing for the past five years. In the letter, I took full responsibility for the late payments and never disputed the fact that they were late. After receiving a response saying that after an investigation, the report is accurate, they placed a comment on my credit report that I dispute the information. I do not wish to have this notation, as I never disputed anything. I just wanted to see if it would be possible to remove the late payments after paying off the debt and keeping the account in good standing for several years. I once again reached out to Macy 's to remove the dispute comment but it has never been resolved. I fear that as I prepare to apply for mortgages, creditors will be weary of any sort of dispute seen on my credit reports.
This company ( ERC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1000.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
I submit these ongoing issues from creditor and credit reporting bureau XXXX. I have requested several times for XXXX to verify and correct misinformation and balances on my credit file all which come back verified disputes. I ask that you request credit history from XX/XX/XXXX in regards to Habitat for Humanity. On XX/XX/XXXX creditor States current balance is XXXX. On XX/XX/XXXX reported to XXXX  in dispute balance XXXX. On Credit history for XXXX XXXX from XX/XX/XXXX. I have submitted several times billing documents for hospital proving Medicaid coverage, however disputes continues to verify information. On top of my information being taken in the breach, I am now going back and forth with disputes that are known discrepancies.
Recently my husband, XXXX, had to have XXXX. During this time, he had to be on XXXX for six months which was half his salary. We asked Ocwen if we could make partial payments until he recovered and or we asked for a mortgage modification. Ocwen would not work with us and instead doubled our payments. They did not accept any of the money we sent, instead they made it more difficult putting XXXX on an already horrible situation. Then they threatened foreclosure. We have XXXX dollars in equity and Ocwen refused to do anything for us in our most difficult situation. They charged us outrageous late fees and made the payment double making it impossible to catch up. Please help us get some of the fees and retribution for what they are putting us through in such a terrible time.
An account has reappeared on my credit file after being previously deleted. It has caused my credit score to drop dramatically.
I had fraud in the amount of {$1000.00} on my credit card and bank refuses to compensate me. Branch Banking & Trust Bank Case # XXXX XXXX XXXX