WillisBack/dataset-financial-user-claim huggingface dataset:
On my XXXX  report my 13 Student Loans between XXXX XXXX XXXX College and XXXX XXXX XXXX XXXX College were Transfered to XXXX  from XXXX. I consolidated my XXXX  loans to XXXX XXXX. XXXX  had them as being collection accounts with a XXXX  balance. I contacted XXXX who said they were never collections accounts and should be marked paid in full. A notice was sent that the dispute investigation was finished and they were marked collections/paid. I disputed that after calling and letting XXXX know. XXXX  said they made their investigation and they were still collection accounts. This is untrue. They are not and never were collections. XXXX  then told me they would only be on my credit report til XX/XX/2021, that is when 7 years was up so I should not worry about it. The XXXX loans are showing 120 days past due and they should be closed. Not only that but they were rehabilitated, but into general forbearance, and had hardship deference on them. All those actions should have taken any past due balance away. I can not reach an XXXX  customer service rep and the only note in all now 26 of these loans on my reports says dispute investigated, consumer not satisfied. This is not how I was counseled during student loan counseling this would work and XXXX/PHEAA never told me the transfer to XXXX. I am tired of fighting these loans.
Hi there I had a account with synchrony bank ( paypal smart connect ), This account was sold to XXXX, Which was was then handed over to XXXX XXXX XXXX. I have settled the entire case with XXXX XXXX XXXX.
When trying to make a payment or get in contact with someone it is nearly impossible. The past two years Navient has not posted my payment to my account on time and it has been reported to the credit bureaus as being late or not received at all. They will then proceed to call and harass me for payment. Navient has beyond damaged my credit score.
I needed to re-certify with XX/XX/XXXX XX/XX/XXXX once a year. I did the work this year and the number that was given to me for a new payment was over 150 dollars more than what I was paying. I called and asked why this happened and they said that I only claimed 2 in my household instead of 4 people. So, while waiting for the paperwork to be fixed my bill was due. I paid what would usually have been due. I contacted someone else once the paperwork went through and told them that they kept saying that I had not paid my bill but I had. The amount I hadn't paid was what I was charged because of the goof up in my paperwork. The person I talked to said that it would be taken care of. 2 months later I am still getting messages about how I need to pay this off. I have contacted the company several times but they have not gotten back to me. It was through email because rarely do I call places because my kids always decide they want to start fighting or asking me questions when I am on the phone. If they have an email section they should be returning emails. I feel the lack of responding to the situation is very unprofessional.
My mortgage documents specify that a late fee may only be assessed if a payment is received 15 days or more after the due date. My mortgage loan servicer, LoanCare ( NMLS # 2916 ), charged me a late fee of {$10.00} for making my payment due XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. LoanCare attempts to disguise this practice by labeling their late fee a " draft fee ''. No " draft fee '' is charged if a payment is received within 4 days of the due date, a {$5.00} " draft fee '' is charged if a payment is received 5-9 days after the due date, and a {$10.00} " draft fee '' is charged if a payment is received 10 or more days after the due date ( or some similar progressive penalty structure ). The only reasonable explanation for the structure of these " draft fees '' is to penalize consumers for making payments after the due date, with the penalty increasing as more time passes. In other words, the '' draft fee '' is a de facto late fee that violates the contractual terms of my mortgage loan.
Received a call today from GB Collects, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ph XXXX XXXX XXXX. They told me my husband owed a medical bill from XXXX XXXX from XX/XX/2017. I told them this was not possible as we had no XXXX  XXXX in XX/XX/2017. He continued to insinuate I owed money and was probably in trouble. I asked for the social security number the medical bill was for, he did not have that info. I told him he was mistaken and I felt he was a scam. He tried calling once more, I did not answer. 

I saw one other complaint on this company for repeated calling to seniors about debt no owed.
I recently got denied credit from XXXX for a personal loan and also for a credit card from XXXX for.XXXX, i believe someone is using my personal information and applying for businesses and credit cards from states i have never lived in or even visited, the only states i ever been to is XXXX, XXXX, XXXX and XXXX nowhere else, i dont even have family in other states just XXXX.
American Express had promised me that if I book tickets using their card I would be covered with travel insurance which includes trip cancellation and itenary changes. 
Now when I want to go ahead and cancel the tickets due to emergency situation I have been told by the travel agent I would be charged {$200.00} for cancellation and American Express doesnt want to go ahead And reimburse me the amount as promised and advertised.

Their customer service is worse than a customer service in a developing country and its a shame to realize how they just make customers like me a fool and make money of us and dont be loyal to us and but expect us to be loyal to them!

When asked for speaking to a manager they have hung up on me or transferred me to accident insurance departmwnr just to get rid of my query or call!
ON XX/XX/2019 AT XXXX AMERICAN EXPRESS CONTACTED MY NIEGHBOR NEXT DOOR AND REQUESTED THEY CONTACT ME RELATED TO MY ACCOUNT. THE NUMBER THEY CALLED WAS XXXX. THE PERSON CALLED FROM XXXX AND ADVISED THIS WAS A DIRECT LINE TO HIM. THEY INFORMED MS XXXX XXXX IT WAS IN REFERENCE TO MY AMERICAN EXPRESS ACCOUNT. I HAVE NEVER DISCUSSED ANY ACCOUNT WITH MS XXXX NOR DID I EVER GIVE AMERICAN EXPRESS PERMISSION TO CONTACT A THIRD PARTY IN REF. TO THIS ACCOUNT. IF AMERICAN EXPRESS HAS WRITTEN AUTHORIZATIN FROM ME BEARING MY SIGNATURE I WOULD REQUEST A COPY.THIS IS IN DIRECT VIOLATION OF FEDERAL LAW AS IT RELATES TO THIRD PARTY CONTACTS. ( 15 USC1692C ( B ) ) I WOULD LIKE YOUR AGENCY TO FOLLOW UP AND CHARGE THE VIOLATOR OF THE LAW.
I have contacted Equifax several times regarding several hard inquiries that are on my credit report. They keep providing me with confirmation numbers but arent providing me with any additional information that would be useful in removing these inquiries that I didnt make. In addition I would like Equifax to provide me with proof of such inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Pursuant to the FCRA it is the responsibility of the credit reporting agency to police the use of the ability to allow anyone to obtain access to my credit report without my written permission. Request hard injury to be removed immediately, Also I feel credit reporting agency do a better job of policing the use of credit access from agencies that abuse there authority
XXXX XXXX Been customer for 2+ years - never missed a payment Keep calling and saying they are a debt collector Tell me I've missed 2 payments and try to collect the money over the phone All of my payments have cleared my bank. I have shared that with them. 
They said they would not call me back - called today and tried to collect payment. 
Current Mortgage Payment cleared on XX/XX/XXXX.
We are in a Hurricane Irma FEMA designated area ( XXXX XXXX XXXX XXXX FL vicinity ). 

We applied for and were granted a deferred minimum payment grace period on our Chase credit card ending in XXXX. 

We have not received any payment deferment as of today XXXX Sunday, XXXX XXXX, XXXX ). When we call Chase Irma Relief at XXXX XXXX XXXX the Chase representative is not able to help us resolve the issue for deferred minimum payment. 

Thanks. 

XXXX XXXX
The XXXX XXXX XXXX XXXX XXXX is not reporting on a monthly basis they are behind about a month in reporting my current balance to the credit reporting agencies.
I recently was reviewing my credit report and have realized that since my bankruptcy was finalized in XXXX of 2011, my monthly mortgage payments are not reported on my credit report. I have been on time with every monthly payment but none of the payment are represented on my credit reports, which has dramatically effected my credit score. I have contact my mortgage company in regards to all my payments not showing up on my credit report and they have reported there is nothing that can be done on their part to fix this issue. Since, 2011 my mortgage company has changed ownership several times which I 'm sure has something to do with this issue. Since, mortgage payments have the largest effect on your credit report, this makes it extremely difficult to repair my credit score. Thanks for your help!
Dear CFPB, Could you please help me to negotiate the amount of this collection with the creditor? I called them but they were not willing to negotiate with me. I would like to pay them as soon as possible. 

Thanks!
This is about the security breach with Equifax. The breach was discovered XXXX XXXX and yet it took over a month for them to even report it.
Visa Debit Card # XXXXWrongful use of debit card : XXXX Police Report # XXXXPlease be informed that I did not authorize anyone to use my name or personal information to withdraw money from any merchant or ATM machine as described in this dispute. 
Location Address Date of Occurrence AmountXXXX-XXXX XXXX XXXX XXXX XXXX, TX XXXX/XXXX/2015 $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX/XXXX/2015 $ XXXXCHASE XXXX XXXX XXXX XXXX XXXX , TX XXXX/XXXX/2015 $ XXXXI noticed these fraudulent activities when I went online to check my account on XXXX/XXXX/2015. 
Please review my attached transaction activity log as it vividly shows my pattern of using this UCARD Debit card since XXXX, 2015. All transactions over {$200.00} are done either inside a local Chase Bank or at Chase ATM location or transfer to my other Chase Bank account in my City of residence ( XXXX ). 
Before the fraudulent activities of XX/XX/XXXX & XX/XX/XXXX, I used my card in my City of residence XXXX as I 've marked all in the attached transaction activity log. After the unknown fraudulent activities of the said dates, I made transaction in my City of residence in the morning of XXXX/XXXX/15. The question is who stole my money from those XXXX locations in XXXX, TX? Did Chase Bank duplicate my Debit card with my information? 
As I was talking to Chase customer service agent, I was meant to understand that a video snap shot caught a male and female drivers of a minivan committing this fraudulent activities. In response to that vehicle, I own and drive a BMW X5. Since the video caught a minivan, I ask Chase Bank to please make the information available so that the suspects will be apprehended and credit my account ASAP. 
For my whereabouts a day before the frauds occurred, I attended a wake keep for a dead relation in the XXXX XXXX XXXX on Friday night ( XXXX/XXXX/2015 ) and was home in XXXX, TX all day Saturday and Sunday when these illegal activities happened. 
I want to make it very clear to Chase Bank that I did not authorize anyone to use my name or personal information to withdraw money from any merchant or ATM machine as described in this dispute, I do not have a suspect to this crime other than to say that my Visa Debit card credentials were compromised and the sum of {$1100.00} ( XXXX XXXX XXXX XXXX and XXXX Dollars ) were stolen.
I attempted to purchase a XX/XX/XXXX XXXX from XXXX of XXXX in XXXX, TX. I completed the underwriting process on XX/XX/XXXX at a different XXXX dealership ( XXXX ) but was unable to complete the transaction as there was not a vehicle at the dealership that I was interested in purchasing. I was able to locate a vehicle at the XXXX location on XX/XX/2016. I was told that it was mandatory that I purchase a XXXX warranty contract with the vehicle by the dealership, however, I was told by the underwriting department for XXXX at XXXX that all warranties are optional. I recited the information to the dealership XXXX and was told that it was not an option and that the service contract would have to be signed adding an additional {$1900.00} to the amount financed over the 4 year term of the loan. On XX/XX/2016, I returned to the dealership and further reiterated that I had been told that the service contract was optional and was told " That 's just the way XXXX does it. It 's not optional for your " type '' of loan ''. When presented with the paperwork for the vehicle, I was presented the service contract. To the left of the signature line, there is a " Notice to Customer '' with at bullet point under it that states : " The purchase of this service contract is not required to obtain financing or to purchase or lease this vehicle. '' By XXXX on XX/XX/2016 the dealership and I were at an impasse because I was being told in essence that if I wanted to purchase a car from them, I would have to purchase the warranty and they would not take it out of the contract regardless of that the document states in writing.
I am asking XXXX for validation of debt for a collection they say I owe for an apartment complex. I have sent them 3 letters asking for validation. The XXXX letter said their client verified the name and address listed on the account was correct. I did n't ask for that, I asked for legal validation. In the XXXX letter I received, they sent a statement with my name but not my signature from a lease agreement, nothing showing my DOB or SSN. It had an apartment complex manager 's signature, not mine. That is not valid proof. The third letter flat out refused to send me anything stating they already sent proof which they did not. The XXXX major credit reporting agencies keep sending me reports back saying they verified the account and belongs to me. I requested in my last correspondence with them what their method of verification was on this account when I am not getting any legal verification.
The mobile phone company ( XXXX ) had a breach in accounts and my account was ported to another mobile phone company ( XXXX ) without my consent. I had to work nearly two weeks with XXXX to get my mobile phone number and in that process figure out why this happened. A XXXX representative did confess to me that a number of XXXX accounts had been breached and information was used to open new accounts. After XXXX retrieved my number back from XXXX I started receiving letters from a collection agency saying I owed XXXX for a closed account. This was not a closed account because I still currently have services with XXXX using the same original number ( as of XX/XX/2017 ) and XXXX wrongfully assigned this account out for collection. I disputed the charges with the agency and to no avail were they willing to investigate or cooperate with XXXX. This account now has been assigned to XXXX different collection agencies without anyone attempting to investigate or resolve this.
I have a a unverified account from XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. I had previously disputed this account. I have never done business withXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
On XX/XX/XXXX, I sent a payment of {$300.00} to Commerce Bank via my online banking with XXXX XXXX. This was more than my regular payment amount. The payment was received by XX/XX/XXXX, and cleared my bank XX/XX/XXXX, as supported by the attached documentation. I had been a couple payments behind due to unemployment last year, but they knew this based on many conversations with customer service.

This company is chronically slow at receiving and applying payments to my account, unless I pay the extra fees required to pay over the phone.

OnXX/XX/XXXX, the vehicle was repossessed. I was told they had no record of my {$300.00} payment, itt was out for repo for being 79 days behind, and they would not approve reinstatement of the loan due to me being behind. After a couple of hours it took them to get my information together to get the car back, I was quoted {$5800.00} to get my car back, including fees, I immediately wired the money per their instructions and got my car back later that day, after paying an additional {$130.00} to the towing company. I was told it would take 10 days or so to get my {$300.00} back.

As of XX/XX/XXXX, I had not received my {$300.00}, so I called. After they had to research it, I got a call onXX/XX/XXXX saying they received the paymentXX/XX/XXXX and it would be 14 days from that date before I would get the {$300.00}. The attached documentation clearly shows they received it and it cleared on the XXXX. Their slow payment processing is what led to the car getting repossessed. I never did get a letter or voicemail saying that it was going to get repossessed.
My credit is being attacked be cause of some bill from XXXX XXXX. 
My husband is covered by the VA. They pay all his bills. 
My credit is being attacked because of this delay. After explaining this several times, HR collections continues to put it on my credit report ( as my services ). They should be talking to XXXX XXXX and or Veterans Administrations. Not be wasting time trying to get me to pay someone else 's bill. I should not be being punished.??? HELP!
My name is XXXX XXXX, I have disputed with Equifax for a wrong collection item on my Equifax credit report due to identity theft several times and also with XXXX, but Equifax is not willing to solve the issue and remove the incorrect information on my credit report due to identity theft. 

I get an identity theft on XXXX. I lost my wallet on XXXX XXXX, which include my SSN card, WA driver license, XXXX XXXX ID card and XXXX XXXX insurance card inside my wallet. I moved to XXXX XXXX on XXXX XXXX, for XXXX position in University XXXX XXXX California XXXX XXXX XXXX XXXX. I received a bill from XXXX XXXX XXXX XXXX XXXX located at XXXX, said that I have done XXXX at their clinic at XXXX XXXX. This is not possible as I am not even live at XXXX that time. I have Offer from XXXX indicated that my start date is XXXX XXXX, XXXX. This is due to identity theft and someone used my SSN, name, XXXX and old XXXX insurance card I lost before. I called XXXX XXXX XXXX immediately to stop my insurance coverage after I receive the wrong bill from dentist. I have called XXXX XXXX XXXX XXXX XXXX many times but they refused to remove the bill but just want the money which was not belonged me, but someone stolen my identity and insurance card. Finally, the dentist called the collection on XXXX for bill not belong to me, and messed up my excellent credit. I have disputed this with Equifax on XXXX but they do n't remove the collection from my account. I filed dispute with Equifax again on late XXXX for identity theft and required to remove the incorrect collection item on my credit file ( Dispute Confirmation number XXXX XXXX ), and attached the evidences ( the offer letter from XXXX stated my work start date ), but Equifax replied me with same message again and again, indicated that because the original creditor provides them my name XXXX DOB and SSN correct so it is belonged to me, which is of course not an strong evidence as I already mentioned before that my lost wallet include all this information. 

I have submitted the same dispute to XXXX and XXXX, and after investigation, they XXXX deleted the incorrect collection file on my XXXX and XXXX credit reports. I filed XXXX complain for Equifax ( case number XXXX ), but Equifax gave me same response again and again without seeing any of my disputing information, that they will not remove the incorrect collection item on my file. Even the worse, Equifax updated the collection in my report with increased amount of money recently and my credit score dropped XXXX more points in XXXX XXXX. 

I always have very clean credit history from XXXX, with no late payment at all. I have no reason to not pay this small bill and ruin my credit unless it is not belonged to me. Equifax is not listen to what customer told them and only listen to creditor 's information. This is not fair to me. Equifax should delete the incorrect collection item in my credit report file due to incorrect information and identity theft due to Fair Credit Reporting Act. Please help me on this issue with Equifax to remove the incorrect information on my credit file. Thank you so much!
Reported USAA fraud in XX/XX/XXXX, every month thereafter in XXXX thru today XX/XX/XXXX. - I spoke with USAA customer service reps reported fraud all year, - I spoke with USAA Fraud department reported fraud all year. I froze my USAA account do stop further fraud. I filled a police report. I filled USAA transaction disputes all year.. Problem has not been resolved by USAA. I received a USAA statement in the mail with a remaining balance, I filled a police report as all remaining charges on said card are fraud. No response from company.
I was shopping XXXX when the cashier asked me if I wanted a " rewards card '' I asked her if it was like a credit card and she said " No '' so I said ok, then I swiped my credit card and signed ( which I later found out that she had me sign for aXXXX XXXX credit card '' I NEVER received a card, never activated any card but yet they are telling me I have owed money on a credit card. I have been telling the company and every debit collector this story and I have paid money on it to have them to stop building interest on this card. The cashier lied and tricked me so that she could be rewared for getting people to take out credit cards but no one is trying to fix this problem, and last I spoke to the collectors, they said they would send me a dispute form and I have not heard from them since.
I mailed a copy of the receipt via certified mail to both XXXX/JCPENNEY. The account was paid in full in side a local JCPenney store on XX/XX/XXXX. The company sold the account to a collection agency in XX/XX/XXXX and put it on my credit report as a charge off account.
PayPal extended me a line of online credit without permission and put out an inquiry into my credit history, resulting in a lowered credit score. At no time did I give PayPal permission to extend me credit or to run an inquiry into my credit history. I believe this to be fraud.