WillisBack/dataset-financial-user-claim huggingface dataset:
I DISPUTED A COLLECTION ACCOUNT FROM XXXX IN THE AMOUNT OF {$14000.00} THAT APPEARED ON MY REPORT IN XX/XX/XXXX. I DO NOT HAVE AN ACCOUNT WITH TBF FINANCIAL NOR HAVE THEY CONTACTED ME NOTIFYING THAT I HAVE AN ACCOUNT WITH THEM. I FOUND OUT THAT THIS COLLECTION WAS ON MY CREDIT REPORT AFTER BEING DENIED CREDIT. I TRIED CONTACTING XXXX TO VALIDATE THIS DEBT BUT I HAVE NOT GOT A RESPONSE. I HAVE DISPUTED THIS COLLECTION ACCOUNT WITH TRANS UNION MULTIPLE TIMES AND THEY GIVE THE SAME RESPONSE, " VERIFIED, NO CHANGE ''. EACH DISPUTE IS COMPLETED BY TRANS UNION IN A FEW DAYS, WHICH LEADS ME TO BELIEVE THAT THEY ARE NOT DOING A FULL INVESTIGATION. I HAVE REQUESTED TRANS UNION MULTIPLE TIMES THAT THEY SHOW ME WHAT METHOD WAS USED TO VERIFY THE COLLECTION ACCOUNT AND THEY DID NOT SUPPLY IT. IN MY LAST ATTEMPT TO GET THIS INFORMATION CORRECTED I SENT A NOTARIZED LETTER ON XX/XX/XXXX ASKING TRANS UNION TO RE-INVESTIGATE THIS COLLECTION AND HAVE IT REMOVED FROM MY REPORT. I CALLED TRANS UNION ON XX/XX/XXXX TO CHECK ON THE STATUS AND THE TOLD ME THAT THE INVESTIGATION WAS COMPLTED ON XX/XX/XXXX WITH THE SAME RESULT ; " VERIFIED, NO CHANGE ''. I AM REQUESTING YOUR HELP TO HAVE TRANS UNION DO A FULL INVESTIGATION AND HAVE THIS XXXX COLLECTION ACCOUNT REMOVED FROM MY CREDIT REPORT.
I am a XXXX and I currently have around {$42000.00} in Direct Public Loans ( DLSCNS and DLUCNS ). My service provider was originally XXXX/Navient and I believe I was given poor information on my repayment options. I worked for a XXXX for 2 years XXXX , XXXX, and XXXX. When I was with XXXX/Navient I was weighing my options on wether or not I should enter XXXX Loan Forgiveness or Public Service Loan Forgiveness. I spoke to numerous XXXX/Navient representatives on the phone and I was advised to go with the Public Service Loan Forgiveness. I submitted all the required paperwork for the Public Service Loan Forgiveness, however once I consolidated and moved my service Provider to XXXX servicing I became aware that the two years teaching at a title I school and the one year that I taught at a Not-for profit school, that my payments did not qualify. Now I am 4.5 years into forgiveness and only 1.5 years will count. I feel as though I was wronged by incorrect information from several XXXX/Navient employees whose job it is to know the specifics of their field and provide guidance. Now it will take longer for my loans to be forgiven through this program. Someone needs to look into this discrepancy and figure out how I can get my hard years of service of XXXX
Equifax reporting XXXX XXXX as inquiry. This is unauthorized inquiry. I have contacted XXXX XXXX and they have no record of this inquiry. Equifax reporting this falsely and providing written proof per my letters
I ca n't get any information on WHY loan balances are so high. I ca n't get statements. I do n't know whom even is serving my loan.
I received an alert from my credit monitoring service that a collection account appeared on my credit report for XXXX, XXXX, and XXXX. The collection account in question with XXXX XXXX is not mine. I called the company on XX/XX/XXXX stating my claim. They stated this account was from XX/XX/XXXX from a address that is unknown to me. They told me to dispute the claim, file a police report and email them and they would have it removed from my credit report.
Regarding previously filed Complaint Number : XXXX. 
I have contacted Southwest Credit Systems L.P. in regards to an account listed on my credit reports that I do not recognize and also requested validation. I do not owe this company Southwest Credit Systems anything and they have stated they will cease collection of this debt per their response to my complaint XXXX. See below, they responded to my complaint with : " XXXX has notified Southwest Credit Systems to cease and desist all collection efforts against Mr. XXXX. However, because XXXX considers this debt to be valid and owed, we will pursue all our legal rights and remedies to collect this balance. According to XXXX, the debt is valid. On XX/XX/2018, XXXX closed Mr. XXXX account in our office. SWC has ceased collection activity and is no longer pursuing the matter '' However Southwest Credit Systems LP continue to report this debt on my credit reports. I NEED Southwest Credit Systems TO REMOVE THIS ACCOUNT FROM ALL MY CREDIT REPORTS IMMEDIATELY. This company Southwest Credit Systems LP is violating the FCRA by still reporting an alleged debt to my credit reports under Southwest Credit Systems. I do not owe Southwest Credit Systems for this alleged debt and I am prepared to take further legal action if this account is not removed from all my credit reports immediately. I have never had an account with XXXX and I have previously been a victim of identity theft.
XXXX XXXX XXXX, tried to refinance my home without my knowledge and without my authorization. He said XXXX XXXX said I agreed to that. They came out and did an appraisal on the home without my authorization. XXXX XXXX used a card that was removed from her, and cancelled to charge the {$520.00} fee. I informed XXXX XXXX that XXXX XXXX and I are getting a divorced and that she has no authorization to use cards that are solely issued to me and only me and that they need to remove the charge and go through her to get the payment as I would not like to be charged for some service I did not want. He also told me I needed to take my home of the market during the hottest spring season to date. I said I will not as we have many buyers looking to purchase this home. I have a transcript of XXXX XXXX telling his underwriters to remove me from the home.
I have asked this company to not call me at my place of employment on multiple occasions and they still continue to do so.
I have deposited a check on XX/XX/XXXX for {$4000.00}, they gave me an available balance of {$4000.00} the next day, and I went to a local Wells Fargo Branch and I withdrawed {$2200.00} and they told me the check was good to go. The next day they called me and told me that the check has bounced, and I asked them why did they give me an available balance if it hasnt cleared and they said my employer was at fault. Two days after they called me from an Oregon Office and they said they are opening a fraud claim and I would get my money back in 5 days. After 5 days I called them and they told me it was just a research claim and that I have to open a new claim. And so I did, and they told me that I have to wait for 10 days. I waited and called them and they have told me that my claim has been denied because of the bad check.
Received a call from a XXXX XXXX working for Nationwide Itermediary Services LLC who stating his firm has been retained for a pending lawsuit against me regarding a debt. He then called my Mother stating that he had spoken to me and that I told him to call her to " save my hide ''. If she paid via credit card today, they would cut the debt, but if I called, I would owe the entire amount. I then called him and requested a validation of debt via mail. He said it takes too long and he would be on his way to the court house in 30 minutes if we did n't resolve immediately. He stated he is a XXXX and I would have criminal charges against me for check fraud and suspend my drivers license. I told him I was working with XXXX XXXX XXXX and he said not to deal with them, they are a scam. He then sent me an e-mail with information regarding the debt and gave me 30 min to call back. I back tracked the debt and contacted XXXX XXXX XXXX who now owns the debt, but outsourced it to another party, which turned out to be Nationwide Intermeidiary services. She stated nobody was going to a court house and stated to call them back and request a manager to send me the validation via mail that I was entitled to. I called the number she gave and the person who answered the phone answered " XXXX ''. I said Who?? and she back tracked it realizing she should n't have said that. She immediately transferred me, but I hung up and contacted XXXX XXXX XXXX again and explained what happened. They were not pleased this happened and called Nationwide to figure out what was going on. She then apologized and asked me to call back and a manger was waiting for my call. I called back and XXXX XXXX immediately answered flustered. He said he did not know what happened when the other person answered the phone, but they should n't have said that. He said the lawyers are now on the floor and that person is packing their bags. He said he would cut some more money off the debt for my trouble told him I was livid and I wanted validation of debt via mail. He stated if I did that, then I would owe the whole amount and would just hang up, which he did. I re-contacted XXXX ( who was very helpful ) and they started an investigation. They told me not to talk to that company anymore and they would pull it back to handle the debt. She then stated she would send me out the validation of debt. XXXX XXXX attempted to call one more time, but I did not answer. I spoke to my Mother again and stated he had called her asking to pay the debt again, but she told him he was a fraud and hung up. He shared debt information with my Mother including who I owed and the amount. He tried to solicit money off of her, which she almost did out of fear. My stomach has been in knots all day at work trying to deal with these people and their tactics.
In  XXXX   XXXX , I opened a bank account  with BMO Harris  Bank in which I would earn a {$300.00} bonus after completing  XXXX  direct deposits. My  XXXX  direct deposit was completed on  XXXX   XXXX ,  XXXX . It is more than 100 days since completing the requirement and I still have not received my {$300.00} bonus.
For roughly 5 months I have noticed that there has been an incorrct credit report in regards to an auto loan I had taken with XXXX XXXX XXXX in XXXX. Whenever I made a payment it would not reflect on my credit score, therefore stating that i owe more than what i did. On my credit report it would also state that the last update was done sometime in XXXX XXXX. Approximately 2 weeks ago, I had called XXXX in regards to this issue and they made no efforts to resolve this issue. It has bought my credit score extremely low, and other creditors have lowered my credit card limit because of my credit score. My credit score currently says I owe XXXX. But my account balance with my bank says I owe XXXX which is the correct amount. I would really appreciate an investigation on this matter. Thank you
I have received multiple letters from Jefferson Capital Systems stating they are attempting to collect a debt for XXXX XXXX. I have made several attempts to contact the company to inform them the account is not mine and was opened with my stole personal information. My credit report states the account was originally reported on XXXX XXXX, 2017 in the amount of {$620.00} and I have had a different cellular phone carrier for over 5 years. I have also emailed the company filing a complaint with them so that they can send some kind of verification that the account was actually opened by myself but again no response has been sent from the company.
Discover has been adding a fee called discover payment protection that was not authorized by me since 2011 that I didnt notice. So I called them and told them I didnt authorize this and I want my money back. They did not hesitate to give my 6 month of it back and I said no you will give it all back that I consider it stealing from me. The lady I talked to said I only have 1 month to dispute a payment on my statement which if thats so they were more than happy to give the 6 months with no questions asked.
I have been working with XXXX XXXX XXXX 's collection agency Transworld Systems Inc, and through my bankruptcy XXXX and Transworld agreed to a new agreement of terms through which to repay the student loan. My lawyer XXXX XXXX, and XXXX and Transworld lawyer XXXX XXXX XXXX, agreed to the new conditions. to pay XXXX dollars, with a 0 % interest rate. It was submitted to the court. However, after I had agreed to the terms of the repayment and everything was finalized it was never turned over to the XXXX who handles the loan. I just filed a complaint and XXXX has no clue about what is going on. XXXX needs to honor the agreement that they made with the new loan agreements with Transworld Systems. We worked out this agreement since XXXX of this year. This led to me doing forberances on the loan currently and now it has been gaining balances because the interest keeps compounding and it has n't been changed over to the new agreement. XXXX understandably has no clue about what is happening. I have contacted them and they say that I am still in bankruptcy status but that is incorrect. XXXX has never answered the complaint or contacted me. XXXX has disappeared and seems to not be honoring the agreement. I can not afford to pay this loan. The interest is too high, I filed a bankruptcy and they were summoned to court and they are the only lender that has not changed the terms and conditions of my loan agreements. My income can not support these payments. I have filed multiple complaints and I need XXXX and Transworld to respond NOT XXXX. They have no clue what is going on because they are not aware of the negotiations between my lawyer and theirs.
I disputed 2 student loan account with XXXX XXXX  about 4 student loans that are on my credit report. The loans reports the same address with different loan numbers and phone numbers but same mailing address. Account that I want deleted has the same mailing address a XXXX XXXX as the accounts that are valid. The accounts that are duplicated are set to move off my credit profile onXX/XX/XXXX. I want them removed now because of the duplicate address. How can a company sell or transfer 2 student loans to another company sharing the same XXXX XXXX . My XXXX has one 2 student loans not 4 and my XXXX has 4 student loans not 2. They must be affiliated in one way or another and should not be reporting twice effectively lowering my credit score. At this point I am demanding that the 2 student loans be removed from my credit profile for both Transunion and XXXX   ONLY. The account numbers are loan # 1 XXXX Account # 2 XXXX.
I had a state tax lean put on my credit file with Equifax. I got notified of the public record, because I moved and never got the notice. After tracking down the source, it was a system error, they released the lean and I filed it with the record of deeds. Equifax reported it paid/released. I was then told after looking into it again it would be removed. The other XXXX agencies removed, but Equifax says they verified it. Using the information on the report, they could not even find a lean for me, so therefore they did not verify it with the information they provide me. Telling them this, they offer to dispute it again, giving the same result. How did they verify using the information provided, information that I cant verify using information supplied by report. I want it removed as it should of been a long time ago
My data was included in the recent Equifax data breach and accessed by malicious people. This puts my personal information at risk ( social security number, previous addresses, possibly credit card information ). Equifax did a poor job at securing this information.
I got an installment loan from XXXX loans in XXXX XXXX. I began making payments to the company, but, after my husband was hospitalized, I had a income declination and was unable to fulfill my debt. I emailed the company in XXXX or XXXX asking them to offer me a settlement amount. I went to my bank to get the matter resolved. I received no contact from the company. However, in XXXX XXXX, I received a call at work from a company called the XXXX XXXX XXXX ( XXXX XXXX ) stating that they had the account. I asked him to NEVER call me at work again. We set up arrangements on the account and I told them that I could send the payment via money order, but, he insisted that I give him a debit/credit card number. After tirelessly arguing with him about not having a card, I discovered that I did have an old debit card from school. I told him that I would have to go to the school to load the card ... I was unable to do so because the school was on XXXX break. I informed him of that. A day later, he found a cousin-in-law via Internet and called him regarding my debt. Then, on XXXX XXXX and XXXX XXXX XXXX, he located my mother-in-law and did the same thing, He held a conversation with her and left a message on her cell phone on another occasion. I have never listed either of the XXXX people contacted on any application that I completed. I am not sure where they got each cell phone number from, but, the XXXX XXXX XXXX has found a way and they have been constantly calling and harassing my mother-in-law. I am wondering if there is something that can be done about this matter. The company has all of my contact information, there is no excuse. Also, the day that XXXX XXXX called me at work, I called him from my daughter 's cell phone when I got off from work. He asked me if it were ok for him to call me at that number ( must have shown up on caller-id ), I told him NO! I said this is my daughter 's phone. Nevertheless, he called a few times and left a message on her phone on XXXX/XXXX/XXXX.
Insurance has paid 2 XXXX XXXX XXXX XXXX and they refuse to XXXX refuses to remove them. they keep calling XXXX not the Drs. XXXX and XXXX have it paid XXXX wont fix it
I graduated with my XXXX degree in 2009. I began to repay my student loan. A company called Navient, XXXX. XXXX XXXX, XXXX, GA XXXX, XXXX, called me and stated that they can lower my monthly payments and also put me in the Loan Forgiveness since I am a XXXX. After doing this the Federal Loan Servicing began to send me letters that I was late on my payments. I pay everyone on the XXXX of every month since that is when I get pay. They misrepresented themselves to me by telling me that they where going to help me. I paid them a fee and I still did not get what they promised me. I would like to get my money back. I have to pay late fees because they used to send the payment to XXXX late. Also my school is under review and is closed. I tried to enroll with XXXX and they told me that my XXXX degree was no good for them. Please advise and, Thank you.
90 day late on credit report. Loans were to be in deferment. Enrollment verification submitted to show enrollment for date of late payment. Still showing on report.
I had been calling Amex for months to say that a charge ( {$5.00} ) was being billed every month by a company that I did n't recognize. Every month, they would say that they would credit me the funds and the vendor would be blocked from charging further. Every month, I would need to call back. This morning, I called to try to resolve the issue once and for all. I spoke to 17 people from the XXXX to XXXX to XXXX. As always, their front line personnel had made an error and no one has been willing to resolve the issue. I made 47 attempts today alone and I was either disconnected or told that there was nothing they could do. They claim that they do n't keep notes from previous conversations. Basically, they are blackmailing me - I must pay my bill in full, but there is no room to discuss the fact that there was a huge error with my account. The agent cancelled my card after she specifically told me that she would n't and refused to provide a replacement card. Her comment was that " I should n't have complained about a {$5.00} charge if I did n't want to be inconvenienced. '' It ca n't be that they can bill you for anything and everything, you have no right to dispute and then if you do n't pay your bill, they ruin your credit. This is a distinct pattern with Amex - all calls go overseas, the front-line personnel are not professional, do n't understand what you are saying, continually make mistakes and provide customers with erroneous information and then a customer has no where to go to lodge a legitimate grievance or complain. I have also tried going on-line with a customer service agent. The response was that " they could n't assist me - I should call! ''
I had a payday loan with XXXX XXXX XX/XX/XXXX. It became delinquent immediately. XX/XX/XXXX, they turned the collection over to XXXX XXXX XXXX. The obsolescence date for the 7 year time frame for falling off my file would have been XX/XX/XXXX. But XXXX XXXX put that date as XX/XX/XXXX ... when they received the collection. This is a violation of my federal rights. I disputed this with Experian and they left it on my file.
What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Transunion where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- - XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX ) XXXX
Account Resolution Service  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX   XXXX  Amount  XXXX  was paid to   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   Date open  XXXX / XXXX /   2012  Talked to  XXXX  and I was told that I do not owe any payments to them, called ARS and told them so they can remove from my credit report, as of today they still have this on my credit report wanting me to pay them. Also   XXXX   XXXX   XXXX   XXXX   do not use collections agencys