WillisBack/dataset-financial-user-claim huggingface dataset:
I have had auto debit set up with payments to this account through the lenders website for several years. However, the first 5 months of 2018 the lender has reported the payments where late. But the the lends payment history info I was provided from their website shows different, then what was reported on the credit report. I have documents from the website showing my account history and the payments being reported to my account on the lender website showing payments made. After seeing the late payments reported on my credit report by the lender, I contacted the lender ( Nelnet ) about the reporting of my payments. When I called Nelnet the conversation between the Nelnet customer service representative and myself was conducted over a recorded phone conversation. After review and discussing my account, it was determend that the payments did not process. However, I was never notified the of the payments not processing. The Nelnet rep said notices where mailed out and I should have received one in the mail. But I did not. After reviewing my information she asked to verify my address. At that time the rep told me sir I see here where the issue is. Nelnet had a mistake on our system and we mistyped your street address, which caused the payments did not process for 5 consecutive month, and for you not to receive our statements we mailed. I will make those changes now. She then asked if I could make a payment for the amount of the payments not made, and if I did so the late payments reported on my credit would be removed rightaway, because of the mistyped info on Nelnet. I then paid the full payment amount of the 5 payment not processed. I then asked her again very clearly if Nelnet would removed all late payments reported on my credit. I asked the rep very clear again over the recorded phone call. The date this took place was XX/XX/18. The late payments are still on my report even with the full amount paid, as agreed. I contacted Nelnet again and was told the late payments would not be removed and Nelnet was not removing them. I filed a complaint to Nelnet about this not getting removed and about the very very rude and disrespectful Nelnet rep name XXXX I was talking to. I requested a Nelnet supervisor call me. I then received a call from a nelnet supervisor who was all extremely rude and unprofessinal. She also told me that even though it was a mistake on Nelnets end and even though I was told by the Nelnet rep when the payment was made, I requested to XXXX that she listen to the phone call I had with the rep when I paid the amount needed the payment made. XXXX did review the call and call me back, but told me nelnet had decked this was not going to change what they had reported as late payment on my credit. Nelnet is without a doubt the rudest, and most unprofessional customer service reps Ive EVER spoke to. I would like to fail a complaint about fails advertisement, unprofessional customer reps and falsely reporting of credit. I have closed my Nelnet account and moved to a different loan company, because of the level of rude and unprofessional reps at Nelnet & failsly credit reporting and because of me being lied to by the reps at Nelnet.
On XX/XX/XXXX, I received an alert from 2 of the credit bureaus I use to monitor my credit. 
I was made aware that a company from Calif. had put a collection on my reports for some ridiculous amount. This so called company name is Caine and Weiner has put a fraudulent claim on my credit reports. 
I was struck by a XXXX driver in XX/XX/XXXX and have spent the last few years in court with her insurance, finally reaching a very nice settlement in XX/XX/XXXX, now I am finding fraudulent people who want place erroneous items on my credit report thinking I will pay them. 
I will not tolerate this and I will fight this with all I have!! 
I am outraged that the credit bureaus are able to just arbitrarily place items on my credit report with out any effort to obtain as whether they are real or fraudulent. 

I researched this so called company XXXX XXXX XXXX and much to my dismay there were pages and pages of their fraudulent behaviour. 
I do not owe them any money and I want this off my credit reports as quickly as possibe, I am rebuiding my life after being mowed down by a XXXX driver and I will not be taken by a scam artist. 
The date that is appeared of the alert is XX/XX/XXXX. 
The amount is {$3100.00}. 
The name is Caine and Weiner. 

I thank you in advance for all your help and quick response. 

Warm Regards, XXXX XXXX
In 2014, an account was opened with XXXX in Ohio. 
After leaving ohio I had closed the account with XXXX and returned there equipment. 
I then started receiving calls from a debt collection agency. Which I then called XXXX who confirmed I returned there equipment and was told they would tell the debt collector to stop. 

To date they have not called back but now I see it affecting my credit score.
I am an XXXX so I understand how website/software works. What I described below is not user error. 

When XXXX first came out, I could use the website to get credit reports from XXXX agencies at once. 

Three years ago, Experian first stopped working and gave me this mystery error " Unable to complete your request, please mail your request in '' one year ago, XXXX stopped working, and today all XXXX have stopped working for the online version of credit report requests. 

I am suspecting the credit companies are deliberately making it harder for consumer to request credit reports. Are there any monitoring from CFPB to ensure they comply the law with good intention?
After reviewing my credit file I have 2 accounts that do not belong to me from your company Merchant and Professional. I am a victim of identity theft and the accounts listed below which appear on my credit is the result of identity theft. Furthermore, I have never even done business with your company or any company that you represent. Not only did you insert these fraud accounts into my credit file you did not give me a notice that these accounts were being inserted nor did you give me my right to dispute the validity of these alleged accounts. Due to the fact that I know for certain you can not provide proof bearing my signature because these are not mine I am requesting that these accounts be removed immediately, If the accounts listed below are not removed I will be forced to pursue legal action against Merchants & Professional. This is your notice that these accounts are disputed and they are a result of identity theft.

One account is the amount of {$2100.00} Another account in the amount of {$1400.00}
i submitted a complaint against Bayview loan servicing on XX/XX/18 in regards to my loan which is has many federal violations, as was stated previously i never received my disclosures from XXXX XXXX  nor did i received the right to rescind the loan, Bay view loan is servicing this loan for a lender which i believe to be XXXX XXXX XXXX which has been the subject numerous lawsuits because they assumed loans from XXXX XXXX which was also involved in my loan, so when the LENDER took over this loan they assumed all responsibilities of that loan and since XXXX XXXX assigned the loan the day after it was purchased, XXXX XXXX is out of the picture and out of business, based on the documents i have the Note and TRUTH and Lending Don`t match which is a direct Violation of the Federal Lending Laws regarding Mortgages, so my loan was a bad loan from the start, interest rate, payments and terms. Bayview is not going to just sweep this matter under the rug and pass the buck this has become a Federal issue because there was no Truth in this Lending!.
I am not going to pay back a for-profit school that was found guilty of fraud, when I can't even find employment in my field for my degree.  I have paid back over 5,000 on XXXX and I still owe over 30,000 due to interest. Navient, the beast, has taken my tax return and ruined my credit. This system is a trap. I'd have been better off not going to the XXXX XXXX XXXX XXXX in the first place, but my mom pretty much forced me and signed all the papers herself when I was XXXX. I didn't have a choice in the matter then, so I'm pretty much screwed for life.
This is my second time submitting a complaint about student loan serviced Nelnet. The information that they responded to about my first complaint undeniably backs up my claims of the unlawful practices that this company displays and the 90-day late fees should be removed from my ALL XXXX of the credit bureaus. The information that they provided backed up my original complaint that they had contacted me via the incorrect contact method, the details that I will provide show that the email address that they used was one letter away from my correct emailing address. This was simple human error on their end. Although mistakes happen, my credit score is suffering immediately because of the mistake and this issue should be resolved expeditiously!
I had co-signed a loan for a XXXX XXXX in 2012 for a friend. I am the make because my credit was more impressive than hers. She fell behind on her payments as she no longer could afford the almost XXXX dollars a month payment. This is falling back on me. My account is currently on my credit report showing that it is in collections. I am currently on social security and XXXX which stops them from collecting anything from me and I was receiving when I signed off on the loan.They send me letters from time to time. I do not want this to backfire on me.
On XX/XX/2018 I Purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX. They packed GAP insurance in the contract after I advised them four times that I didn't want it. The GAP insurance was purchased through XXXX. I contacted XXXX and cancelled the coverage several days after purchasing the car.

On XX/XX/2018 I called XXXX  to see where my refund was and they informed me that they sent an electronic payment/refund to XXXX XXXX XXXX on XX/XX/2018. I called the dealer that same day and I was told that they overlooked processing my refund and that they would process that refund immediately. Their accounting office said that they would send a check to GM Financial. That was almost three ago and I am being informed today by GM Financial that they haven't received a check yet from XXXX XXXX XXXX.
The court issued an order of wage deduction on XXXX XXXX, XXXX for {$56000.00} debt owed to XXXX XXXX XXXX XXXX XXXX, although I received a XXXX from XXXXXXXX XXXX for tax year XXXX cancellation of debt XXXX. The XXXX was sent to the creditor attorney. As of XXXX/XXXX/XXXX the balance due according to the creditor is {$54000.00} although I received XXXX ( XXXX ) for {$5200.00}. It does n't appear the amount is decreasing as it should. The judgment amount continues to accrue interest, no statements of explanation has been provided to me. The original loan amount from XXXX XXXX XXXX was {$25000.00}, XXXX XXXX did n't provide how the amount increased to XXXX
The attached document describes my assertions of violations of the Fair Credit Billing Act and Fair Credit Reporting Act by Departme  nt Stores National Bank as credit servicer for my Macys Credit Card account. In addition to violations of these Acts, I assert violation of the equivalent portions of my then standing Credit Card Agreement with Department Stores National Bank.
No written acknowledgment of my credit billing dispute, and no written disposition of the dispute.
Closing of account by creditor prior to providing written acknowledgment/disposition of the dispute.
Reporting of disputed amounts to credit bureaus as late payments prior to providing written acknowledgment/disposition of the dispute.
Reporting of inaccurate information to credit bureaus with no regard for eventual disposition of the dispute.
Reporting of disputed payments to credit bureaus with no annotation that they are disputed.
Reporting of inaccurate information to credit bureaus with no notice to me of the negative reporting.
No written acknowledgment of   my dispute of credit reporting, and no written disposition of the dispute.
I have had a terrible and frustrating experience with Citibank dealing with what started as a billing dispute, but was later revealed to be fraud. They are now telling me that they will not help further, even though they acknowledge the fraud, because of how the dispute was originally opened by their team they will not protect me. In other words, their zero liability protection claims are false in this case. 

There was absolutely no way to know this was fraud perpetrated by scamming " business '' until after the dispute was opened. Therefore there was no indication at all that I needed to speak to their fraud team first. This is not noted anywhere in my customer agreement or in any of the documentation was received. 

Once the merchant provided their " proof '' of the purchase was the fraud discovered. They fabricated receipts and also forged my signature. At this point I contacted Citi again and followed all of their instructions. I even spoke with a security specialist who assured me that the fraudulent charge was being removed and I was not liable at all for it. He also closed down my account and issued a new card. 

Today they are telling me that they misinformed me and they will not offer liability protection. They made an offer of a {$250.00} credit which still leaves me out of pocket about {$500.00} for this fraud. They also made a completely unhelpful suggestion or working with the merchant directly, contacting local police, or even the better business bureau. And these suggestions were made while they clearly knew this fraud occurred while I was travelling out of the country. Not one of those suggestions was remotely helpful. 

I am beyond belief and in desperate need of help trying to not let Citi to allow the bad guys to win and to honor both what they told me and what is posted on their site about liability protection. 

Please assist!
I previously submitted CFPB complaint XXXX-XXXX  and XXXX-XXXX to which XXXX with the executive resolution dept was assigned. For the initial complaint, she failed to contact me to even discuss the dispute. I only later found out by one of her colleagues that she had attempted a single phone call but neglected to leave a voicemail for me alerting me to her call. XXXX then proceeded to close out the initial dispute without ever having spoken with me. As a result, her response had many false and misleading statements with many serious omissions. XXXX 's response also failed to address all the concerns raised. In order to answer the flawed and false response by XXXX for Capital One, I filed the second complaint XXXX-XXXX. I called her number and unable to reach her left her voicemails on XX/XX/XXXX, XX/XX/XXXX, 3 times on XX/XX/XXXX, XX/XX/XXXX and twice on XX/XX/XXXX. In my attempts to reach her on XX/XX/XXXX after leaving XXXX a voicemail, I called to speak with the executive resolution dept where I spoke with XXXX who stated XXXX was unavailable but would call me back before the EOB and at the latest by XX/XX/XXXX. XXXX and I finally spoke on XX/XX/XXXX where she stated she was unsure why the previous agent didn't do any research and closed the case prior to speaking with me. She would research all the provided documents and get back to me. She kept trying to make excuses as to the reason XXXX refused to accept my return. She didn't seem to understand it didn't matter why the merchant refused to accept the return. The fact was the merchant refused the return in violation of their return agreement provided at the point of sale. By doing so the merchant violated the terms of sale and was also guilty of misrepresentation. Either account is a valid chargeback. 
I find the need to once again bring up federal statues and reference the summary of XXXX v. XXXX XXXX, XXXX, XXXX. Stating that pursuant to 1666 ( c ), the cardholder " need not pay the amount in dispute until the card issuer has complied with 1666, '' and that pursuant to 1666 ( d ), the card issuer " may not restrict or close an account due to a [ cardholder 's ] failure to pay a disputed amount until the [ card issuer ] has sent the written explanation required by [ 1666 ( a ) ] '' I have reasserted my dispute multiple times, and even asserted my dispute under the claims and defenses argument which allows up to a year to assert my dispute. 
Despite this single charge being the only remaining balance on the card Capital One has continued attempts to collect and negatively report this disputed debt without informing the CRA 's the account is in dispute.
Sir/Madam : While on vacation in XXXX XXXX, XXXX last XXXX XXXX, 2017, I checked in to XXXX XXXX for XXXX XXXX. After 3 days I was discharged, but to my shocked I was billed for {$62000.00} on my Chase Bank visa credit card. Chase Bank agreed to pay this amount. Chase Bank refused to listen to my appeal. My visa credit limit is for only {$15000.00} and Chase Bank went way way beyond the credit limit. <P/>The XXXX XXXX XXXX in XXXX is only for {$21000.00} and this hospital charged my credit card {$62000.00}, three times of what they would charge for an XXXX XXXX XXXX. I was treated not for XXXX XXXX XXXX, but for a simple XXXX XXXX. It would cost a couple of thousand dollars to give an XXXX XXXX. No question I was victimized like other American tourists that needed some medical treatment. <P/>My wife and I are both retirees and dependent on our SS pension for our daily existence. There is no way we can pay this humongous and unjust charges. It took us several years to save for our vacation to XXXX. The monthly interest plus principal payment on this huge amount would be around $ XXXX-XXXX monthly. This is way beyond our budget. We ca n't survived with this added amount to our budget. Please help to make Chase Bank to rectify this unjust charges. Before checking in to this hospital, I have a credit card balance of XXXX which leave me {$8000.00} I can spend. I 'm willing to pay the whole {$8000.00} to this hospital just so we can go with our life. <P/>We badly need your help. Chase Bank is a multi XXXX company and should be considerate to tightly budgeted customers like us. <P/>Sincerely, XXXX. XXXX
I have " Authorized User '' accounts that are not reporting on XXXX, but are reporting on other CRAs ( XXXX and XXXX ). I and the primary cardholder ( XXXX XXXX ) have both spoken with these creditors ( XXXX XXXX and Navy FCU ) concerning this issue. In both cases the creditors have affirmed that they have reported their accounts to XXXX.I have notified XXXX of this issue on 2 occasions and XXXX " Specialized Fraud Team '' dept. said that the 1. Navy FCU with credit-limit of {$17000.00} is being reported as deleted. 2. XXXX XXXX has not been reported at all. XXXX representative ( XXXX ) can be reached at ( XXXX ) XXXX ext. # XXXX.
On XX/XX/2018, I transferred {$500.00} to someone online through the Chase Quickpay. 5 minutes later I realized this person is a Scammer and the transaction is still in pending. So I reached out to the bank right way trying to cancel the transaction. However, Chase told me to wait for 3-5 business days for the claim. And today they told me the recovery failed. I am really upset since Chase care nothing about the customer loss and they do have rights to cancel transaction when it's pending instead of waiting for 3-5 days for investigation.
I have been trying since XXXX to get XXXX hard inquiries removed from my credit report from Capital One Bank. I did not authorize my credit to be ran for any account. I contacted Capital One on XX/XX/XXXX and spoke with the fraud department. I was told that yes a business account had been opened up in my name but has since been moved into the correct persons name. I asked how this was possible. I was told it looks like a mistake. I let her know that it is showing XXXX hard inquires on my credit reports and needs to be removed. She assured me this would be taken care of and she would mail me out the updated information for my records. Now fast-forward to today XXXX/XXXX/17. I still have not received anything from Capital One stating anything. I 've tried over and over again to call and get some help. All i 'm being told is they do not show an account in my name. Last week while still working on to repair my credit I received a report from XXXX and it 's XXXX addresses listed that are not mine. They show addresses out of XXXX but I live in XXXX I 've never lived in XXXX. I called XXXX and spoke with a rep who worked with me on finding out what was attached to that address. Come to find out the Capital One inquiries where from that address. The rep then issued a fraud alert on all XXXX credit bureaus. Because of the fraudulent activity I was able to remove the inquires from XXXX but I 'm not able to with XXXX and XXXX because those addresses never showed up on those reports. I need this removed. It is negatively affecting my credit score. I have never had an account with Capital One and after numerous calls weekly no one has been able to help get these removed.
I took a mortgage through USBank home mortgage in XX/XX/2009 for {$55000.00} on a home. and participated in the Florida first time home buyers program offered by the state of Florida. I received a {$10000.00} down payment assistance through the Government ( 1st time home buyers assistance program ) this is only re-payable to the Government when I sell my home. I just checked my credit report and noticed my balance of {$49000.00} I currently have with USBank home mortgage has increased by {$10000.00} to {$59000.00}??? Also, this lowered my credit score, because the balance now owed increased by XXXX. I have contacted and spoken with several USBank representatives, who at first said the issue would be fixed and my credit report would be adjusted accordingly. Now I was told that this money is part of my loan and USBank Is collecting it! I really do n't think this is legal??!! Especially since I am sure that there is no interest on the {$10000.00} dollars the Government gave me for the first time home buyers assistance. And why now?? After 9 years of paying my mortgage on time without ever missing a payment or ever being late!!