WillisBack/dataset-financial-user-claim huggingface dataset:
Hello : My briefcase was lost/stolen had a few credit cards in it that were paid off and a couple of pin # within briefcase to cards.  XXXX  other cards removed unauthorized charges with no problem!  Wells fargo card was completely paid off then whaam {$3300.00} worth of charges of which Wells Fargo Refuses to credit and states that I made these charges. I 'm not sure what else I can do or if Wells Fargo would listen to me anyway? Never files fraudulent charges with Wells Fargo ever, I 'm really surprised h ow they found these charges valid and were actually made by myseld? DID NOT MAKE THIS CHARGES PLEASE HELP!     Sincerely,  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX , MO    XXXX   XXXX    Phone:  XXXX   XXXX
XX/XX/XXXX I got into a car accident and insurance company gave me a check because my car was a total loss. In XX/XX/XXXX I try to get a new car and Santander consumer inc told me I have {$3500.00} left on my account due to a extended warranty which I never signed for.so I called auto source warranty to cancel the warranty that Santander said I had and auto source sent me a mail on XX/XX/XXXX saying that the vin number I provided was mine but how ever related to a different vehicle and different customer name and that they have no contract number with my name and they told Santander but, Santander refused to take it off my credit or even tried to dispute it.Ever since then I have not been driving for 3 years and I want to get a new car and I spend almost XXXX a week on XXXX because every dealership I goto and try to get a loan they deny me or tell me to put a large amount down all because Santander put it as a charge off on my account
XXXX & XXXX, are trying to bill me for something I paid and was a dispute over XXXX years ago!! They have records of me calling to state the people living in the basement apartment was connected to my XXXX apt !! The landlord kept lying and did nothing and when they moved out I got stuck with the bill. After some years I out the XXXX & XXXX in my name and then they stated I still owe this money! This should not be on my credit report at all!!!!! I actually overpaid them and will attach the letter from my Attorney sent to XXXX.
XXXX XXXX XXXX is reporting a debt on my credit report. I have never received written notification describing the alleged debt or who the original creditor is. I disputed it with the 3 major Credit Reporting Agencies and it was removed from 2 out of the 3. The response from XXXX  was that XXXX XXXX certified it as mine. I then sent XXXX XXXX ( the Furnisher ) a direct dispute via certified mail according to my rights ( FCRA and CFR 660.4 )  but never received a response. The letter was signed for by XXXX XXXX according to my proof of receipt ( see attached ). This negative account is impacting my credit and interest rates and is not a good representation of my credit-worthiness. I would like it deleted from my XXXX credit report ASAP.
Apparently happened in XX/XX/XXXX or XXXX of 2017. No actions taken on company as of yet. Just found out. 

My SSN, DOB, full address and driver 's license have been stolen.
I have disputed with XXXX and XXXX the Date of First Deliquency on this Chase account, and have had phone calls with Chase collections along with their " credit report specialists. '' I believe the proper Date of First Delinquency should be XX/XX/XXXX which is the date the account was closed. On the attached bill you will notice that the account was over-limit and past due on the XX/XX/XXXX statement, it was never brought current and the account was eventually settled in XXXX. The Chase " credit report specialist '' told me today that Date of First Deliquency '' is actually the date that the account settled for less than full balance. I have not seen any reference to such a policy, and think that that would constitute a " re-aging '' of the credit file.
XXXX of XXXX, AR is improperly reporting a paid collection account on my credit report. Account number XXXX must be removed immediately and my credit score updated. They are intentionally sending incorrect information ( such as date of first delinquency ) that is wrong. I have disputed this item online, in writing, and with the furnisher of the debt. NO ONE is accurately validating this collection account as the DOFD is prior to the date of service. This is inaccurate reporting and must be removed immediately.
I mailed out a letter to Experian on XX/XX/XXXX and XX/XX/XXXX. I was asking for validation of several items, as they have come back valid in my initial letter XX/XX/XXXX. This is a copy of the 2nd letter I sent, asking for PROOF of Experian 's verification via Metro2 Compliance.

Name of Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I recently found out that my name was attached and associated with 3 consumer reporting agencies, XXXX XXXX, XXXX XXXX, and certegy. I have called certegy they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called early warnings they gave a bank account that was opened in 2014 with XXXX XXXX, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for XXXX XXXX its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a XXXX XXXX account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at XXXX and never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.
They call at least five times a day and leave a recording stating to leave the last XXXX digits of your account number. Since we have already paid XXXX bills this month and are in transit to XXXX this is ridiculous as we have no records and no idea of what they are calling about. I tried to explain that Florida took away my rights and gave the POA to my daughter and they should call her but this fell on deaf XXXX ears.This seems to be a common practice to have people who speak broken English but it is a very poor practice for an XXXX year old with hearing problems.Perhaps I should turn my phone off. 
XXXX XXXX
I submitted my forgiveness application for PSLF to XXXX on XX/XX/XXXX. I received a denial on XX/XX/XXXX. 
XXXX had previously certified that I had 108 qualifying payments certified through XX/XX/XXXX. On my loan detail before I submitted my forgiveness application, my anticipated eligibility date was XX/XX/XXXX. 
Along with my forgiveness application, I submitted PSLF employer certification through XX/XX/XXXX, which would have brought my total number of qualifying payments to 121 total. 
I received a denial of PSLF forgiveness on XX/XX/XXXX. Although XXXX determined that my employment was qualifying and my payment plan was qualifying, they gave me credit for only 8 additional qualifying payments. My loan detail now shows 116 qualifying payments through the period of XX/XX/XXXX. 
XXXX offered no explanation of why my 4 or 5 other payments made between XX/XX/XXXX and XX/XX/XXXX failed to qualify. 
I was employed throughout the period by the same employer, working full time, and enrolled in autopay for my loan payments. 
I have now spoken to two XXXX supervisors who told me they can identify no basis for me being denied credit for all 13 payments I made between XX/XX/XXXX and XX/XX/XXXX. They have allegedly requested expedited processing from the PSLF reviewers but have told me there is nothing that can be done until the reviewers act. 
Last year XXXX failed to act on my employer certification to give me credit for the 108 qualifying payments until I filed a CFPB complaint.
I am XXXX and have been denied for a remodification of my loan. I successfully completed the trial, Unfortunately due to my illness I need XXXX upgraded in my house for my XXXX. During which time, I had to move out of my home and keep up the expenses at my home and still ( rent ) another place, while being on a fixed income. I 've been in my home for 20 years and it is all I have. I 'm asking now that I 'm back in my home, is for the payments that are behind to be put on the back of the loan. I have nowhere to go, Please help I want to keep my home.
Navient keeps placing my loan on forbearance. 

I have not asked for forbearance. I keep telling them i do not want to forbear my loan ... yet every month its placed on forbearance. Therefore they do not send me a bill and I miss payments and incur additional interest. I have called and sent them multiple messages. Additionally i just got my monthly statement to go online and pay.. and when i log in it says XXXX amount due! SO i fear my loan is foreboder again and if i make a payment it will not be allocated correctly!
STELLAR RECOVERY INC ACCOUNT NUMBERs : XXXX OR XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you STELLAR RECOVERY INC or any company associate with this account # XXXX OR XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : STELLAR RECOVERY INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
This has been an ongoing problem and I have called on 2 separate occasions to complain. I have 2 accounts ( checking ) one has an overdraft line of credit and when I transfer money into it the online program has it immediately removed from checking account and when I look at the line of credit it has what I transfer under Available Balance however if some ACH payment occurs or I use my debit card I get charged for an overdraft fee and am told it wasn't credited yet-. The online banking should then not have it under Available balance its deceptive and has happened when I transfer from the account which has the overdraft protection to the overdraft how is that possible - it means the money is in neither account but in limbo and they charge me as if it wasn't there while it's processing??? The same bank charged me XXXX to check balance- at another bank machine which I would be ok with but to charge an overdraft fee for the XXXX $ seems to me to be criminal. I hadn't followed up with them since the last two times I was wasting my breath- I even sent screen shots showing the available balance line. I get passed from the brank division to the credit card division ( my line is XXXX + XXXX credit card. ) I was financially devastated by recent hurricane so now its a big issue. I have no idea how many times it has happened because I am a small business and constantly over drawn - which is not to say I think that's good or ok either but my husband became XXXX and so we are constantly scrimping and I often am not paid for XXXX - 60 days after completing a job so it happens. Branch Banking and Trust
Bank of America. XXXX. {$2700.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. Account paid.
I am the victim of ID theft and have submitted the affidavits to those companies believe I owe a debt that was not brought on by my own doing. This company in the past three weeks has called me nearly 46 times during work hours even though I clearly explain to them that the debt is not mine. By doing this they are in violation of many different acts and they seem to think they are above the law
This company will not respond to my concerns/complaints. I have tried to have a manager call me multiple times, but I have not heard back. My first complaint is that there has been no communication throughout the whole process and I feel like we have been left in the dark on our mortgage process. Emails were being returned in an untimely manner, if at all. I have still been waiting for a response about why my closing could n't happen when it was scheduled and that request was sent to a manager. It has been almost a week now. This makes me feel like my loan is not important to them. My second complaint is that the day of closing, no one was there to answer my questions and ultimately the closing had to be cancelled. I communicated with this company that I would be making that month 's payment on my current mortgage, but no one ordered an updated payoff for closing so that is one thing we are waiting on. This lack of initiative prevented our scheduled closing. Finally, I got a call from this company tonight, but was not satisfied with her response.
I've receive a call from this number twice now. I XXXX  the number and it was to the collection agency that I've already settled the debt with and has also been verified on my credit report. The issue is they ask for my name but they would not identify who they are associated with. They immediately call and ask for my name and if they are speaking me. But, both times I communicated I would like to know who they are and to identify the company they represent. Both times they shut down and this last call as soon as I asked they hung up on me.

Their means of communication is very suspect. Their means of handling debt claims is very unorthodox as well. I never received a notice in the mail or an explanation for the the dept or who turned in the debt that I allegedly owed. I just paid the XXXX  dollars to get it off my credit report and now they are hassling me again.

I do not desire reparation, I just want this addressed and to no be bothered by them anymore.
On XX/XX/XXXX, XXXX XXXX contacted XXXX to pay the remaining balance on my XXXX XXXX XXXX XXXX XXXX card when we refinanced our home. I did not receive ANY online or mailed statements for the next two months. I assumed that my account had been settled and paid in full. On XX/XX/XXXX I received an email and a robocall call notifying me that my payment was overdue. I immediately called XXXX, and the customer service representative told me that there were some interest charges from XX/XX/XXXX and XXXX late fees. I let her know that I did not receive ANY notification about the late charges and agreed to pay the remaining interest. She stated that XXXX could waive up to XXXX late fees. I assumed from our conversation that this issue was resolved. On XXXX XXXX I received another email and robocall claiming a payment was overdue. I called and asked for an account manager since a customer service agent did n't resolve the issue last time. The account XXXX claimed that I had requested " paperless statements, '' but I let him know that I did NOT request this, and the only notifications I did receive were emails and robocalls in XX/XX/XXXX and XXXX about my payment being overdue, NOT a billing statement. He agreed to waive the XXXX late fees ( listed as " REFUND LATE FEE '' and " COURTESY REFUND '' on copy of account summary statement for billing period XX/XX/XXXX-XX/XX/XXXX ), and I decided to close my account immediately due to XXXX 's failure to communicate properly with me about my outstanding balance and false claims about the type of notification I wanted to receive.
I left the corporate world to join the world of education because I believe that public school instruction is one of the most noble things you can do. After a large pay cut as a result of this decision, I decided to go back to school and obtain a XXXX XXXX in XXXX XXXX. In order to do so, I had to take out several student loans. Afterwards, I accepted the opportunity to put my loans off until I was in a position to pay them. The process resulted in several lates as a result of the deferments. I was later offered an opportunity to take part in a rehabilitation program to get my loans on track. I was told by the Department of Education and by Navient/XXXX XXXX that one of the benefits of joining the rehab program is that my late payments would be removed from my credit report since I would be consolidating my loan ; otherwise, I would have a TON of late payments and several listings on my credit report. I quickly agreed. I have completed the rehab program and now they are refusing to remove the lates and old postings from my credit report! This is impacting my score greatly. I have reached out to the CEO of XXXX XXXX/Navient and to the Dept of Education and no one will listen! I have over {$180000.00} consolidated in student loans under one listing, which is right, but then, there are a TON of old accounts - all with SEVERAL LATES. How am I suppose to move on with any form of quality life if my credit is destroyed as a result of this? I feel that I was completely misled. I am the primary caregiver for my XXXX XXXX XXXX mother who now needs special accommodation in her home since her XXXX. How am I supposed to reestablish credit and support her needs and mine if my credit is destroyed. I have lost all faith in the student loan process. When my students ask me about going to college and getting a student loan, I absolutely cringe at the thought.
I would need to file multiple complaints again against Experian based on being able to only choose one reason for this complaint on the previous screen. Experian, again, has incorrect information on its credit report on me. Why this foreign company is allowed to do business in the US is  beyond me as both American companies, XXXX  and XXXX  do not show the false negative reports against me. 

Today, XX/XX/2018, I applied for a student loan refinance with XXXX. I was denied because they use Experian and on the Experian credit report there are 3 patently false negative accounts listed for me. 1 is figment of their imagination ( made up ) and the other 2 are wrong. 1 was a car loan for which I was not the primary borrower that was paid off over a year ago. A XXXX XXXX XXXXXXXX account that is non-existent and an XXXX account that was paid off almost a year ago.
XXXX issues - The loan rate being charged can not be substantiated via the loan documentation, and the loan rate charged is above what can be calculated. 
I am a cosigner on my daughter 's student loans. 
Originally the loans in question were with XXXX who sold the loans to Discover prior to the deferment period ending. 
The loans are variable interest rate loans. 
The loans use either the 3 month XXXX or the XXXX XXXX published Prime rate to calculate the loans interest rates. In addition there is a " margin '' associated with both loans. However, Discover can not provide documentation ( prove ) the margin associated with the loans. 
Using the original disclosure statement to " back out '' the margin using the published interest rates, shows the interest rates being charged are above what the rates should be using the historical rate changes for the loans. 
Numerous calls to Discover Student Loans, including talking to a supervisor at Discover has failed to produce the documented " margin '' on both loans and an explanation of how the rates are calculated.
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in viola tion of 15 U.S.C.   1681. You are requ ired under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.       XXXX    Law Dictionary,    XXXX   XXXX  ,  2009 , defines  Verify as,   1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, tru th or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the account  ( s )  in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed b y 1681 ( a )  ( 4 ).      You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Secti on 611 ( 5 ) ( A ) of the FC RA you are required to promptly DELETE all information which can not be verified.