WillisBack/dataset-financial-user-claim huggingface dataset:
I have a credit card with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Collection I received a dunning letter signed by XXXX, an attorney. I sent a timely response disputing the alleged debt and demanding that he cease and desist from any further collection activities until he validated the alleged debt. 
The attorney filed a lawsuit against me within the thirty ( 30 ) days. I have had to defend in court while another attorney continued to send dunning letters without validating the alleged debt. 
In court, XXXX, the attorney for plaintiff is shifting the burden of proof onto myself, the defendant.
I just had a background check run for my new employer. I noticed that there is an incorrect address reported that has my name and date of birth associated with it. The dates are XX/XX/XXXXto XX/XX/XXXX in XXXX, TX. I've never lived in Texas and haven't been to the state since a layover there during a trip back in XX/XX/XXXX. Around the time of this reported residence in Texas, I had received a fraud alert on a credit card, and I am wondering if the person that triggered the fraud alert was staying at the residence in Texas, as it is listed as a rental house.
I was n't living on campus at the time nor did I resign a lease to stay there during the time expressed on the fraudulent lease the manager signed my name there are numerous complaints of illegal activities in their office and its student housing they should be shut down because there are hundreds of students they have taken advantage of which is why I moved to begin with
I won a sneaker contests on XXXX for the XXXX XXXX XXXX  for retail. They were very responsive to my questions and messages untill I paid ( through XXXX ) after that they went silent. Literally in minutes I started to realize they didn't give a reply of the the confirmation of my purchase with out and shipping info or even responding to my messages, even after giving them fair warning that I would be taking steps to get my money back they still did not respond. Its people like this that ruin sneaker culture for everyone else. I called my bank to try cancel the transaction while processing and could not help at stop the payment with fraud protection
No response. unable to verify the information from XX/XX/19 - XX/XX/19.

as CAPITAL ACCOUNTS LLC. XXXX XXXX XXXX XXXX XXXX, TN XXXX from XXXX XXXX on its monitoring report.
We have been working with Freedom Mortgage company for 5 months to assume a VA loan. Freedom Mortgage has repeatedly requested documents that we sent, then resent per request and received by them months ago. We believe that this is Elder Abuse because of the our ages, XXXX and XXXX. Our lives have been put on hold because of this situation. Daily we have to check the emails, we have written letters and made numerous phone calls to XXXX different loan agents who were identified as handling this loan. We are unable to complete this purchase and have made XXXX extensions of the escrow to date. There is nothing more we can produce that they do n't already have, They sent a conditional loan approval 3 months ago and we have also signed a Borrower 's Authorization. Yesterday we got another letter requesting copies of more documents that we sent to them XXXX XXXX. How can we proceed to resolve all of this abuse? 
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I use Key Bank bill payment services to pay my monthly home mortgage payment to XXXX XXXX. Twice in three months, the funds were removed from my account as scheduled, but not received by XXXX XXXX for weeks after withdrawn from my checking account, and resulting in hundreds of dollars of late fees for the two late payments. I have tried to resolve with Key Bank on multiple occasion with no success. Very frustrating. The Key Bank " BIll Pay Guarantee '' is worthless. 

The first payment of {$2500.00} was scheduled for XX/XX/XXXX and debited to my checking account on that day. The due date wasXX/XX/XXXX XXXX XXXX did not receive payment via check until XX/XX/XXXX 

The second payment of concern of {$2500.00} was scheduled and debited to my checking account onXX/XX/XXXX. This payment was not received by XXXX XXXX until XX/XX/XXXX 

The Key Bank bill payment Guarantee is copied below. I clearly met the guarantee criteria, but get nothing but a run-around with no helpful explanation or answers from Key Bank.

To take advantage of the Bill Pay Guarantee*, and ensure that your payments will be received accurately and posted by your payee, schedule your payments as follows : For electronic payments, you must schedule your payment at least 2 business days before the due date.

For check payments, you must schedule your payment at least 4 business days before the due date. 
For payments made to KeyBank and display a 'Key ' icon, you must schedule your payment on or before the due date.

Ensure that the payment information entered is accurate and enough time is allotted for processing based upon the guidelines above.

If payments are made within the guidelines of the guarantee and KeyBank does not properly complete a bill payment on time or for the correct amount, KeyBank will pay any late fees and finance charges that result solely from that failed bill payment and send any correspondence necessary to rectify credit reporting.
Hello, My name is XXXX XXXX and on XX/XX/2018 I purchased a {$50.00} American express gift card with cash and a couple weeks later when my sister went to use it did not work. I called American Express and they told me the card was never activated and I needed to fax the picture of the card ( front and back ) along with the receipt. Since I bought the card cash I lost the receipt but I gave my sister a gift receipt from the store, so I used the gift receipt to get a receipt from the store which I bought the card from. When I faxed the documents to American Express they told me that the receipt printed from the store database is not acceptable and that they needed the original receipt. I'm stuck and I'm unable to recoup my money. Please help. My telephone is XXXX XXXX. 

Note : My reference number with American Express is XXXX
On XX/XX/XXXX, I spoke with XXXX at XXXX who switched my account to a different model for better pricing. I asked her at the time if there was any penalty if I had to cancel. She said no penalty as long as I was moving somewhere where there was no XXXX service. I moved from XXXX to XXXX, NC in late XX/XX/XXXX. I informed XXXX in XX/XX/XXXX that I would be moving and that the apartment I was moving to only gave me the option of XXXX. I gave them the address and phone number to verify. On XX/XX/XXXX, XXXX from XXXX indicated there would be no early termination penalty since I had no choice in the matter. Since then I have been harassed by three collection agencies. The first was XXXX XXXX, XXXX in XXXX, MO. The second was XXXX out of XXXX, IL. I wrote certified letters to five executives at XXXX. I asked for proof either in writing or to get a copy of the recorded call with XXXX of the early termination charges. I was told by XXXX on XX/XX/XXXX, I would have to go to court to get this. I just received another letter and several phone calls from a third collection agency, XXXX XXXX. This is NOT verifying that I owe the charges they claim. I want this harassment from XXXX and XXXX to stop IMMEDIATELY. They must provide in writing that I authorized these charges which they will not and can not do. Thank you for your assistance in this matter.
I closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my Trans Union and XXXX and XXXX credit reports.
<P/>
They said they closed these accounts but they are still reporting on my credit report as of XX/XX/XXXX.
I am not familiar with and have no recollection of requesting Credit from the following agencies and the following dates as reported by XXXX EXPERIAN and XXXX. I have reached out to customer service at XXXX EXPERIAN and XXXX and they would offer no assistance in taking care of removing these negative inquiries reporting to my credit report. 

XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX EXPERIAN - XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
My XXXX XXXX cards 2 of them are not reporting the correct balances. I owe a lot less than what is being reported.
I AM IN THE PROCESS OF BUYING A HOME, BUT I CANT BECAUSE A REPO CAME UP ON MY CREDIT REPORT. I FURTHER INVESTIGATED, IT WAS NOT ME WHO TOOK THIS AUTO LOAN OUT AND THEN GOT THE AUTO REPO 'D. I AM UNSURE OF WHO IT WAS. I CA LLED WESTLAKE FINANCIAL WH O IS THE FINANCIAL COMPANY RESPONSIBLE FOR THIS LOAN- THEY TOLD ME TO FILE A REPORT. I FILED A REPORT WIT H IDENTITYTHEFT.GOV ON   XXXX  O F 2017 AND  SPECIFICALLY ASKED THEM TO VERIFY THE INFORMATION. THEY REPLIED TO ME 42 DAYS LATER, SAYING THEY DID NOT FIND ANY IRREGULARITY IN THE ACCOUNT. THE FIRST THING I SEE ON THE DOCUMENTS THEY PROVIDED IS : ADDRESS DOES NOT MATCH MINE, NOR DOES THE LAST NAME OR PHONE NUMBER OR EMPLOYER. I WILL NOW SEND THEM PROOF OF MY IDENTITY :  PHOTO COPY OF MY DRIVERS LIC., PA SSPORT AND UTILITY BILL. THIS COMPANY HAS FAILED TO COMPLETELY VERIFY ACCOUNT MEMBERS IDENTITY AND PUT A BAD SCORE ON MY CREDIT.
When applying for a loan I was contacted by a XXXX XXXX Senior Credit Advisor  XXXX XXXX XXXX Web : XXXX Direct : XXXX Extension : XXXX E-mail : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX | Florida | XXXX who referred me to XXXX XXXX XXXX for credit repair, in order to obtain the loan. Several offers from middle firms or firms that referred me to lenders was all that was obtained in applying for a loan. In other words the only offers for a loan I received were those referring me to potential lenders, and not the lenders themselves. <P/>On talking over the phone to XXXX XXXX from XXXX XXXX XXXX he referred to a person named XXXX at XXXX XXXX XXXX who took my information to sign up for the credit repair service. Although I texted an " agree '' for the basic service that was {$15.00} ( XXXX dollars ) to get started or to pull up my credit report I did not intend to hire the service for an additional {$59.00}, along with {$15.00} initially, and {$110.00} a month if I did not get a loan. <P/>This transaction initially took place on XX/XX/XXXX and it was not until today XX/XX/XXXX that I was able to talk to a person about this transaction. XXXX XXXX could also assumed to know that the funds to cover the initial transaction of {$15.00} to pull up the credit report, and the additional {$59.00} was not available in my account and was contingent on my obtaining a loan. XXXX This was understood by XXXX XXXX who kept urging me along to apply for loans as if he was going to help me get a loan, or as if I was actually going to obtain a loan. My claim is that although I agreed to the basic service of pulling up my credit report I should have been, or be able to cancel, or opt out of the service, however I am not able to, or was prevented from opting out of or canceling this service. <P/>When I call XXXX XXXX I get their voice mail that asks for my number and tells me, my calls will be returned. Only today XX/XX/XXXX the time of this claim have I talked to someone from XXXX XXXX since I was deceived into agreeing to hire their service. I have not received an email allowing me to opt out of this service, or regular mail correspondence allowing me to do a " client login. '' Also, I have not received anything in writing about the services that are supposed to have been provided to me. When I call XXXX XXXX XXXX during regular business hours their voice mail tells me they are open only during regular business hours, although my calls are made during regular business hours. <P/>The requirement that what is agreed to in an agreement be in writing can not be avoided or satisfied by only texting " agree. '' The word " agree '' can not be a substitute for my signature or signed. Only a link to the disclosure agreement, was texted to my cell phone with the disclosure agreement not going to my email. In other words I did not receive the disclosure agreement that was supposed to have been emailed to me. XXXX XXXX of XXXX XXXX XXXX was acting as an agent of XXXX XXXX in this case. Knowing that my hiring the XXXX XXXX XXXX service ( s ) was contingent on the ability to obtain a loan can be assumed to have been known by XXXX of XXXX XXXX.
There is an account that displays incorrect information due to identity theft. I submitted an Identity Theft Affidavit to have the information blocked and this has not happened and is negatively impacting my credit.
Account ending in XXXX Please do not close this complaint. It is NOT a duplicate. Citi has never responded to this issue, please do not close this!

Citi is not handling a dispute accurately. I ordered supplements online with XXXX XXXX The box arrived and was filled with the wrong supplements, I contacted the seller and they sent me a return label for a return and refund or replacement. The items were sent back but they refused to refund me. I opened a dispute and citi has basically ignored the fact and supporting documents. I have proof via email the box was returned and was the same weight it was when received. I have photographs of the contents and confirmed they are items sold on their site. I also have emails proving the company will refund me but then won't. This is a cut and dry case for my bank to step in and file a claim but they have dropped the ball. 

I am now getting charged with late fees and service fees because I refuse to pay on the account until this is removed, this charge is my only balance. 

XX/XX/2018 XXXX XXXX XXXX NC Expand Details
XXXX XXXX has reported a loan account to experian credit agency after several attempts of me reporting that this account was initially opened by my father who I share my name with. I recently submitted a dispute through experian and was unsuccessful. I have contacted XXXX and they refuse to aid me with any actions. Thus account was reported even though our social securities are different. This is negatively affecting my credit and it is holding my possibility of buying a new home. This issue has been going on for years and I still have not been able to solve it. Any help would be greatly appreciated
Even though I paid off my school loan in full in with the original creditor, Collection Technology Inc. still trying to collect even after I 've notified them by mail on XXXX XXXX, 2015 that it was paid off. They have now unlawfully seized my joint tax return totaling {$750.00}. They also refused to validate my loan when I notified them of payment, in violation of FTC 809, Validation of Debts.
Mortgage Servicing Company refusing to initiate loss mitigation options, never sent modification forms out as stated in the beginning stages of notifying the lender of a financial hardship. My last payment posted to the account was XXXX XXXX, 2015. I have equity in my home and now have no options but to loss my home and equity per FHA, XXXX XXXX and NationStar. My Realtor contacted NationStar and was told the system would n't allow them to open loss mitigation options. Even when there was plenty of time to consider options.
I requested a copy of all three national credit report and there was a hard inquiry on my credit by a third party credit reporting agency. I submitted a certified letter to Credit Technologies, INC. requesting a freeze on my credit report. They responded by saying that the hard inquiry could not be removed from my report, in which I did not ask that it does. I asked for a freeze and that was not honored. I feel that hey are indeed trying to give me the run around.
I am in the Public Service Loan Forgiveness program. I began working in XX/XX/XXXX and immediately filed paper work to have my loans consolidated so I may join the program. Due to multiple errors and delays in processing, I was n't allowed to begin making payments until XX/XX/XXXX. I have tried to remedy this complaint with Fedloans servicing, who is my current loan servicer, however, they wo n't allow my me to make payments for the lost months in this error. My loans were officially dispersed on XX/XX/XXXX.
Furthermore, additional errors were made in my account. In XX/XX/XXXX my payment had tripled incorrectly due to a glitch in Fedloans system which would have sent out notification for me to re-certify my payment plan. Management acknowledged this error, however, I was placed into forbearance even though this issue had not been my fault. Thus I was delayed in making payments for an additional 2 months due to being placed in forbearance. I was even told it would be an administrative forbearance but I have since found out they categorized it as a hardship forbearance. On XX/XX/XXXX, under the guidance of management at Fedloans I had made a payment of XXXX to count toward my PSLF. I have now learned that Fedloans has not even counted this payment as they claim there is no active bill for this month ( as they still considered me on forbearance. ) I have however, verified that a manual override was placed in my account, however, I have still not received credit for this payment.
I would like to be allowed to make payments for the months ofXX/XX/XXXX, XX/XX/XXXX which I was not allowed to due to being placed on forbearance for an issue I did not cause. I would also request the payment I did make inXX/XX/XXXXbe counted toward my PSLF as it was under the guidance and recommendation of Fedloans servicing management that I make that payment. Furthermore, I request to be allowed to make payments for the month of XX/XX/XXXX and XX/XX/XXXX to count towards my PSLF as processing errors which occurred during that time were not my fault.
Thank you for your assistance.
I currently have multiple loans with navient. On multiple occasions I called navient looking for options to help me pay my loan balance. They only offered forbearance as an option. After I used all of the forbearance that I had available they then offered me a payment plan which would lower my interest rate. The rate reduction program is a joke because the idea is for your rate to gradually increase each year. When I started the rate reduction program my payments were somewhat affordable. Now my payment has increased even though my overall financial situation has n't changed.
I wrote a letter to Experian asking them to investigate mistakes on my credit report. They responded to me with a letter saying my letter was suspicious, and that they would not do my free investigation. I do n't know what was suspicious about it. It did come from me, and I even attached copies of my ID 's to confirm my identity. In Experian 's letter, they gave me a phone number to call and an e-mail address to visit to " validate '' my letter. Apparently, I can not speak to a live operator or do anything to via the web-site unless I buy one of their products from them. I believe Experian is purposely refusing to do my free investigation so I will buy something from them that I do n't actually need.
I tried to do a wire transfer on Chase.com website on XXXX/XXXX/15, which was not possible. When inquiried with their customer service, I was told their system was down and I had to go into a local branch. After rushing into a branch to make their wire deadline, they first attrmpted to charge me more for coming into the branch. I had to fight my way to credit me for the wire. I then found out at the end of the day that they sent out a duplicate wire due to their system malfunction. I have been trying for the past XXXX days to get my money back with no end in sight. All I get is a run around if I call. I was given a case # to start a " best effort '' recall action with no result. They said this was an error on their part but they just apologize for it while I am out of pocket.
I have a Public Collection on my credit report that has been satisfied and closed years ago. I have disputed this several times, but the credit reporting agencies ( XXXX, Experian, and XXXX ) but the will not remove it stating it is accurate. 

The Lien is incorrect, I have searched the Georgia Department of Revenue delinquent taxes and I am not on this list. Please attached screenshots. 

Any assistance would be much appreciated. 

Thank you! XXXX XXXX
I sent Portfolio Recovery Associates a debt validation letter on X/XX/2017 for XXXX accounts they report for me. Their response was to send me 'validation ' dated X/XX/2017 that is not the same amount owed that is showing on all XXXX of my credit reports for XXXX companies. The date opened in their validation is also not the date listed on the credit reports. The account type is also different on each report, and they claim to be a 'factoring company ' on XXXX for XXXX accounts. They are reporting monthly as if they are a lender, and have varying 'past due ' amounts on various reports. In all, for XXXX of these accounts Portfolio Recovery Associates have failed to validate the debt as correct.
I started receiving phone calls from a company where the rep identified herself as XXXX XXXX. She asked for my personal info and I told her I wasnt comfortable with that and she got abusive then hung up. Since the I kept getting phone calls asking for the same info, until I finally got a letter and initiated contact. 

At that point I advised the rep I wasnt aware of the debt and needed it validated after over an hour telling me I must pay it and wanted my employer info and threatened my credit and job. 

On XXXX XXXX I sent registered letters to both locations that had been calling me requesting validation in the mail and no further phone contact. USPS tracking # XXXX shows this was delivered within a week. I still continued receiving phone calls, despite my request not to. 

Finally I received a letter dated XX/XX/XXXX acknowledging receipt of my letter and sending me a typed up page showing creditor and amount owed, not a validation. The calls also continued. During this timeframe they also reported me tonyhe credut bureaus. 

I then sent letters to the credit bureaus disputing this debt after proof of the debt wasnt furnished. To date XXXX is insisting the debt is valid and I affect heard back from the other 2 agencies. 

Today, XX/XX/XXXX, I received a threatening letter that now they will be forced to take the action that the creditor is insisting they take. 

The collections agency is XXXX XXXX for XXXX XXXX XXXX.
I have been getting charged OD fees when my account does not go negative. I have called once and they refunded but it has happed 2 more times.
The credit bureau is reporting paying my credit card balance down as a negative when I 'm trying to raise my credit score this company is reporting it as a negative and my score has decreased instead of increasing.
Am I behind on Payments- Yes! But to keep calling my place of work a million times a day is harassment! This is the second time that I have asked not to call me at work but on my cell phone! I will definitely work out some kind of plan where I can have it deducted from my account each time I get paid but please please please please stop harassing me at my job!!!!!! 

Thank you!
XXXX has been non-compliant with removing the unverified account PHEAA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PHEAA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.