WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX and I live in Virginia. 
Almost XXXX years back I went to service my car at a XXXX here in XXXX, Virginia. 
I was told by the front desk that I can apply for a Good Year card with 0 % and I did. 
After getting my car serviced, I was told that since I got qualified, I do n't have to pay anything at the store, however I will receive a bill at home with my Good Year Credit Card. 

I did not receive anything from Good Year for almost XXXX months and since it did not strike my mind, I too did not followup. 
I went to the same store after XXXX months and after enquiring about my previous bill, I was surprised to hear that the my case has gone to collections since they send me the bill but I never paid. 
On hearing this I was shocked because I have never done this kind of thing and its not correct. But more than that, I was shocked and surprised because I never ever received a bill from Good Year till date. ( even till date I have no communication ) I immediately went home, called good year and cleared all the bill via my debit card. 
Then I even closed that account. 

Now after these may years, the good year company is hurting my credit. I am trying to purchase a singly family house but because of this dent made by good year, I am able to get only XXXX credit score, and thus not getting loans with good APR. 

I request that since I have cleared the bill long time back and closed the account, please remove this entry from my credit please.. Honestly, this is not my mistake so kindly do not make me and my family suffer. 

XXXX XXXX XXXX
Rocket Mortgage pulled my credit more than one time resulting in two hard hits to my credit report. I would like them removed as so when I apply for a mortgage I will be approved. It seems like they pulled twice when I told them I had a XXXX  already and I have a better score now, but they did not understand that they did not pre approve me but still tried to pull my credit score to " see '' if they could do anything, I said no, I know what my credit score is and I have to find a lender to give me a pre-approval letter for a mortgage.
My wife and I have a Chase Bank XXXX XXXX XXXX   Card. On Sunday, XX/XX/2018 my wife contacted Chase Bank via phone XXXX and spoke to a Chase Bank representative to apply accrued purchase rewards to a XXXX gift card. On Tuesday, XX/XX/2018 while reviewing our Investors ' Bank checking account online ( linked to Chase Bank ), we found an unauthorized statement payment of {$4800.00} to Chase Bank resulting our Investors Bank checking account to have a negative balance resulting in overdraft fees. We immediately contacted Chase Bank to refund the unauthorized payment to our checking account at Investors Bank. The representative agreed. We were informed this would take 3 to 5 business days. Any overdraft fees would need to be handled through a separate complaint with Chase Bank. Why would Chase Bank allow their employees to process unauthorized payment transactions that would eliminate all funds from their customer 's linked checking accounts?
I have been using Capital One XXXX XXXX card for more than 5 years. Generally, the card is very handy and easy to manage. However, in XX/XX/2018, I submitted a dispute case related to a merchant ( XXXX ),  and the dispute case is a large amount dispute ( {$5900.00} ), capital one is not able to dispute this charge in a fair and helpful way and capital one rebilled this amount on my card without the right reason and due process. 

Before the rebill, I tried to coordinate Capital one 's requirements to upload all the documents and the documents uploading failed multiple times due to technical problem from capital one website. And then, capital one holds me accountable for not uploading the documents on time and closed the dispute without reviewing or collection those documents before the close of my case. 

I received the rebill on my card on XX/XX/XXXX, and before this XXXX rebill, I did not receive any communication from capital one to request for more information. I chatted with XXXX agent online around XX/XX/XXXX and told the agent that I was moving and may have difficulty receiving mails. I asked her to check if there is any mail related to this dispute case on my profile, and I was told there had been none since I asked XXXX to reopen the dispute case. It was not true. On XX/XX/XXXX, I got a letter from Capital one and the letter said because I did not provide documents to capital one by XX/XX/XXXX, capital one had to close the case. 

I contacted capital one on XX/XX/XXXX and let the dispute associate know that I was moving and did not get the letter asking for more information. The agent online told me that a case owner would contact me within 24-48 hours. 

On XX/XX/XXXX, I did not get any call or contact and then I called in and was told a specialist would contact me by XXXX XX/XX/2018 XXXX. And then, the call is not happening and I called in dispute dept again and the case is finally getting reviewed at the dipute dept. However, the entire process is more than 180 days and it is definitely not the right course to close such an obvious zero performance case without refunding consumer 's money.
I have disputed Diversified Consultantso several times asking for them to validate the debt. To date I never received any communication from the collection agency. I am requesting to remove all collection accounts from all bureaus.
Unfortunately, I currently have a loan that was modified with Flagstar Bank. According to Consent Order XXXX, I should receive have received information about being added to the list of consumers defrauded by this company. The Order purports that Flagstar made it hard for mortgagees to receive these modifications and once they did receive the modifications, they paid months of trial payments when only 90 days was sufficient by law. I started the modification process XX/XX/XXXX, but did n't receive the finalized paperwork until XX/XX/XXXX. During the process I had to filed bankruptcy in order to keep the modification process going forward, because Flagstar and it 's Georgia lawyers illegally proceeded with the foreclosure process even though I was in the middle of the modification process. After the modification was approved in XX/XX/XXXX, I made trial payments up until XX/XX/XXXX, six months. Three months longer than necessary. I would really like for someone to look at my files and help me understand what really going on. My modification documents show an excess of arrears that makes no sense at all.
I have an issue regarding a mortgage payment I am trying to get corrected. My wife and I have a mortgage that was opened XXXX XXXX and we began making payment to our loan servicer ( Lender Live ) on XXXX/XXXX/XXXX. As of XXXX XXXX our loan was sold to XXXX XXXX. I had made the payment for the XXXX/XXXX/XXXX due date through Lender Live on XXXX/XXXX/XXXX, however, when Lender Live sent my loan information to XXXX XXXX, they advised XXXX XXXX that I was still due for the XXXX/XXXX/XXXX due date instead of the due date of XXXX/XXXX/XXXX. At this point, I have spoken with Lender Live customer service a few times and unfortunately they have not been very helpful to resolve this. XXXX XXXX has provided me with copies of the documentation they received from Lender Live and it does show that the payment was still due for XXXX/XXXX/XXXX. At this point, I am needing Lender Live to get in touch with XXXX XXXX to provide them with the correct documentation showing that the first payment I was to make to them was XXXX/XXXX/XXXX or else have the XXXX/XXXX/XXXX payment sent back to me so that I can send it to XXXX XXXX myself and receive credit for it. I hope this makes sense and hopefully you can point me in the right direction to get this issue resolved. 

Thank You! 
XXXX XXXX
I have disputed the Franklin Collection account that is reporting either in error or as a result of identity theft on my credit file many times. I have not had any success getting this matter rectified. So, I am asking for your assistance in getting this matter resolved and removed.
I have 9 fed student loan accounts that were dinged 90-119 days late. The time the accounts show late in in XX/XX/2015. I had a retroactive forbearance approved for those specific dates yet they still report negative on my credit report. I have filed a dispute with the credit bereaus and XXXX has sent a reply saying the accounts have always been in forbearance. Its impossible for there to be a late payment if the account has always had a Forebearance.  It is not right for them to charge massive interest during the forbearance period and say that I was late. I need this fixed ASAP.
I emailed XXXX XXXX XXXX on XX/XX/XXXX about a duplicate payment deducted from my XXXX account in XX/XX/XXXX. XXXX XXXX XXXX responded with a message to me on XX/XX/XXXX, stating that the balance due on my XXXX account is {$18.00} on the due date XX/XX/XXXX and I still have to make a payment. I then contacted XXXX XXXX XXXX and spoke to two Customer Care Representatives. Both XXXX XXXX and XXXX XXXX explained to me, that I scheduled pre payments with another representative on XX/XX/XXXX to  deduct {$10.00} from my XXXX account on the XXXX of every month ; XX/XX/XXXX- XX/XX/XXXX. I then informed the representatives, that they should have paid more attention, for I made a payment in person at the XXXX XXXX XXXX store on XX/XX/XXXX in the amount of {$10.00}. Both representatives did say that they saw the payment being received on that day. However, they are not able to reverse the payment deducted from my account to their system. I then stated to the representatives that this is an unauthorized charge without me knowing until after the payment was done. I requested a refund back to my XXXX account and the representatives refused to honor my request.
I accepted services for a fumigation from XXXX on XX/XX/2016 with an ending invoice of {$2300.00}. 

After the fumigation, I was not satisfied with the ending results so I called and spoke to the manager, XXXX XXXX XXXX ( branch sales manager at the XXXX XXXX office XXXX ; email is : XXXXXXXXXXXX ) After our conversation he agreed to adjust my bill by {$460.00} due to damage to the interior and exterior of my home and unsatisfactory service ; reducing my payment to {$1800.00}. I have the original letter stating the adjustment in my possession. The letter is on the company 's letterhead and has the signature of the branch manager. 

I paid the {$1800.00} in full by XX/XX/2016. 

To date, I have been receiving collection calls for the remainder of the balance of {$460.00} which should have been waived according to the letter. There has not been any communication between the XXXX office and the collection agency. I have been put in the middle between both parties saying that each of them will speak to the other and resolve the issue, yet I continue to receive calls for the " delinquent '' bill and no one ever seems to know what I am talking about. 

At this point I would like to get this resolved and make sure that I do not have any negative reporting to my credit report due to this oversight. An employee from the XXXX call center named XXXX XXXX said I do not have to worry about the credit report aspect but is it going on 90 days " past due '' and generally all 90 past due accounts are reported and since the collection agency has no proof of the adjustment it may be a chance I have been reported. 

I have spoke to multiple people from the collection agency and XXXX and have not received any calls back from either institutons. I have kept detailed notes on times, dates and names regarding this matter.
It has been an arduous process getting NationStar to respond to my request in resolving account information. Today, I received via email a letter NationStar sent to the property address of the tenant ( XXXX XXXX XXXX ) and it was opened by the tenant/property manager. NationStar promised to send this same letter to my address on file, yet it was sent to the property address ( XXXX XXXX XXXX ). The letter is addressed to me at my correct address ( XXXX ) but arrived at the tenants home. NationStar has once again brought my tenant into a situation that is between XXXX parties. In the past, a representative from NationStar knocked on the door of the tenant months ago and asked questions along with providing a business card to her. My tenant should not be involved and NationStar is not upholding its end of the agreement by not providing information requesting. Instead, they are relegating me to a modification for 40 years at 9.875 %. This is definitely unlawful for {$280.00} Principal Balance that was not applied when paid in XXXX 2015.
For the past 9 years, Navient has failed to provide me with accurate information regarding my loans. I have numerous late payments during time period where I was in school and called numerous times for a deferment. Navient has ignored my dispute letters time and time again, failing to provide explanations. Navient has failed to explain loans that I did not take out put show on my credit reports. Please help me.
I traveled to XXXX in XX/XX/2018. While there, I stayed at a few resorts that I booked through XXXX and paid for all of the lodgings with my XXXX XXXX card ending in XXXX. 

On the night of XX/XX/XXXX, I stayed at XXXX XXXX XXXX, which I booked through XXXX. From XX/XX/XXXX through XX/XX/XXXX, I stayed at XXXX XXXX XXXX XXXX XXXX. I've will attach documentation related to these stays when needed. 

On my statement, I received 2 charges ( one for {$250.00} and another for {$280.00} ) from XXXX IN XXXX XXXX XXXX. This must be the business name for XXXX XXXX XXXX. I tried to contact XXXX XXXX XXXX and didn't receive a response. 

I reached out to XXXX for assistance. They were able to contact XXXX XXXX XXXX. I will attach what XXXX responded with when needed. Essentially, XXXX XXXX XXXX says these charges are not from them. 

I escalated this to Chase and provided them with everything I stated above. They escalated this to the fraud department, and the fraud department said these are valid charges. By the time I received the decision in the mail ( around XX/XX/2018 ), Chase said it was too late to continue the dispute. They said that the dispute window passed on XX/XX/2018 and they won't do anything else. I said " I'm essentially down {$250.00} now '' and they said " correct ''. 

It's clear to me that this is a double charge. Chase has dragged on this process and now it is past their " deadline ''.
I'm not an expert on this and sorry for my english or the way i write. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX / XX/XX/2018 -30/60 DAYS I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have informed the Credit Reporting Agencies on XX/XX/XXXX of the inaccuracies and have asked them to have the Collection companies remove them from my report. I explained how I had medical insurance at the time and the insurance company paid 90 % of the bills. However, they refused to pay these smaller bills claiming I had secondary insurance ( which was inaccurate ) Now, I still have not heard back from XXXX regarding my request. 

Plus, my other complaint is by filing a complaint/request with XXXX they have lowered my score by over 20 points. I do not understand ... 

XXXX XXXX XXXX XXXX ( Collections ) XX/XX/XXXX - {$1100.00} XX/XX/XXXX -  {$1000.00}
Pressler and Pressler a ttorneys for   XXXX   XXXX   XXXX   XXXX   claim that a summons and complaint dated   XXXX   XXXX   was sent to an address on file for me in reference to a credit card debt with   XXXX   XXXX  . They are saying that I did not respond to the complaint and that a judgement was entered against me on   XXXX   XXXX   XXXX    .   The address that they are saying the complaint went to is not my address, I have never seen a copy of said judgement or amount claimed to be owed. The statute of limitation in NJ is 6 years so how can these people continue to harass me! I recently received a threatening letter telling me that my wages will be garnished if I do n't respond to this same allege debt and they also had the court freeze my bank account! There are no judgements listed on my credit reports against me and neither is this company with this allege debt.
On XX/XX/2017, I sold Bitcoin for the amount of {$5900.00} to be paid by wire transfer to my bank account. It has been 55 days and after filing a ticket with their support team and multiple attempts to reach them for a resolution, there is no sign that this deposit is forthcoming.
Due to the XXXX hack I decided to freeze my credit for protection. On XXXX/XXXX/XXXX I logged on to both XXXX and XXXX ' sites to perform the freeze only to find out that I will be charged {$10.00} by each company for the freeze? 

Why do I have to pay to have a switch flipped in a database? As a consumer who can not consent to these companies holding my data ( and insecurely XXXX Why do I have to further pay them? It also seems that I have to pay them to unfreeze my credit. This just seems very anti consumer.
My husband got sick and has n't been able to work since XX/XX/XXXX. We went to the bank about our mortgage within a month of this. We have been in contact with them many times since. We have fallen behind many times since because we have had many issues with the XXXX XXXX XXXX XXXX in getting his sick pay and his XXXX. His sick pay would be held from 4-8 weeks at a time. When we did get a check we paid the note up to date. We even borrowed XXXX from relatives to catch it up and no matter what we have paid on the loan it just keeps going up instead of down. In XX/XX/XXXX we owed XXXX. on the loan now it is at XXXX. for payoff. We have tried to pay but no matter what we pay it does n't go down. W have contacted the Bank over and over and all they tell us is we are going to foreclose. We have tried to request a refinance and modulations at least 6 times since XX/XX/XXXX and have been turned down. We have decided to just sell and take what we can and move to an area that we could live easier. The Bank has put the house in for-closer as soon as we put it on the market. So we ca n't get any equity out of the home to start over. The Bank Of the West in Nebraska will not tell us when we have to get out or anything they just want us to pay the XXXX or else. We do n't know what to do. My husband is a veteran and worked for the XXXX for 23 years. I hope you can help. We make payments and it is never accounted to our bill and when we talk to them they change the rules every time.
I received an e-mail from an Attorney XXXX that I owe Ace Cash Advance {$890.00} and wanted a settlement of XXXX.and if I did not pay this I would be socked a total of {$4000.00} including all fees and attorney costs. This e-mail even had my bank account and last digits of my XXXX. I did not receive any money from this company or apply for this money.
On XX/XX/2018, I notice that a company named Ad Astra was reporting a collecting debt in the amount of {$1800.00} on my credit reports. It was unlawfully reporting I owed this amount via XXXX XXXX out of XXXX, KS. 

I disputed with each credit reporting bureau that this debt not mine. 

I also wrote to Ad Astra requesting the following in order to properly and lawfully validate this alleged debt : 1. Complete payment history, the requirement of which has been established via XXXX vs.XXXX  and 2. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

3. Letter of sale or assignment from the original creditor to Ad Astra. ( Agreement with XXXX XXXX ), that grants you the authority to collect on this alleged debt. ) 4. Intimate knowledge of the creation of the debt by you, the collection agency Ad Astra never returned a response to my letter, and all credit bureaus reported back that Ad Astra unlawfully verified the debt was mine. 

I sent another dispute to the credit bureau in XX/XX/2018 after getting an alert from my credit monitor that Ad Adstra was still reporting on my credit reports. Again, I stated that the debt was not mine and to remove the account from my credit reports. They returned the dispute that Ad Astra verified the collection account as mine and the account has unlawfully stayed on my credit report. 

Also in XX/XX/2018, I resent my request for validation letter to Ad Adstra, only to receive a 1 page letter from them dated XX/XX/2018 that stated " they reviewed the account file with our client and determined that the facts in reference to this debt are consistent with the information provided by our client. '' There was no documentation as I requested, to support that this debt was mine.
I purchased a car from XXXX XXXX XXXX I back in XX/XX/2011 and it was financed with GM Financial. I am XXXX XXXX  military and during the course of the loan i have XXXX 5 times and have been able to get no real assistance with GM. I was told i have military benefits applied to my account and i do not believe that to be true. During the outage i have not received any statements nor was i able to speak to customer service. The phones would ring busy or agents would answer to state the systems were down. Finally after my wife reached a rep in XX/XX/XXXX i was told no information would be reported for the months the system was down because customers were unable to make payments. I will soon be in the process to purchase a home and now after not reporting for 6 months GM Financial places 6 months of negative history on my credit reports. Phone reps said they didnt know when they would round and when my wife chatted with only they said they would make a request to update for XX/XX/XXXX. This has been a stressful process and could potential affect my military clearance and my home buying process.
As of XX/XX/XXXX Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX  XXXX never late INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX/XXXX XXXX {$390.00} not mine XXXX XXXX   XXXX XXXX {$560.00} not mine XXXX XXXX XXXX XXXX {$5100.00} not mine