WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I was living at a location in XXXX VA where I had both XXXX DSL internet and telephone service. I moved from that location on XXXX XXXX, XXXX to a location where XXXX was unable to provide any internet service. When I tried to have the billing stopped, I was told I would have an early cancellation fee of several XXXX dollars but that my contract expired in XXXX XXXX. The CSR advised that I could pay the final month bill ( due in advance for internet ) at the beginning of XXXX XXXX and cancel the service then with no problem. I made that payment online on XXXX XXXX XXXX and spoke with a CSR and confirmed that since they were not able to provide DSL service, that I would no longer be billed. When my bill arrived in XXXX XXXX, it still had charges for the DSL so I again called and complained and stated I refused to pay for a service they could not provide. Again, I was assured it was corrected and that I would not be billed and that I would see an adjustment on my next bill. This same process went on for several months until I finally got so tired of it, I cancelled my phone service with XXXX as well. I paid all outstanding phone charges and sent a letter to XXXX stating that I refused to pay for service they never provided and referenced the monthly calls with CSR about the billing. 

I heard absolutely nothing for literally years, not until I was declined for credit due to outstanding collections in XXXX. Since I had filed a Chapter XXXX bankruptcy in XXXX, I was not aware of anything going to collections and had worked hard to keep all bills paid on time. I received the free credit report based upon credit denial and found the XXXX collection. I then got copies of my other reports and found they were reporting to all XXXX credit reporting bureaus. 

I disputed with all XXXX agencies and explained exactly what happened and why I was not liable for the charges. XXXX verified with all three agencies. I sent a letter to XXXX detailing that I was not liable for the charges and why. In addition, I demanded they mark the account as " disputed by consumer ''. 

I again pulled my credit reports in XXXX XXXX and XXXX was still reporting and was not noted as " disputed by consumer. '' Since then, XXXX has disappeared from my credit reports but now I have " Trident Asset Management ' reporting as a collection agency for XXXX. In XXXX XXXX, I disputed this account with all XXXX of the credit bureaus and again, it was verified and not marked as disputed. After that, I placed letters in the mail to both XXXX and Trident Asset Management concerning this account. To date, neither agency has bothered to reply.
I am writing to complain about U.S. Bank. I recently applied for a U.S. Bank XXXX XXXX Premier Visa Signature Card credit card and was approved. One of the major reasons, I applied for the card was an advertised benefit of " Bonus Award Nights '' where any award stay using XXXX XXXX points got the the last night free. This benefit is offered ONLY to U.S. Bank XXXX XXXX credit cardholders. 

On my XXXX statement I received from U.S. Bank as a XXXX XXXX credit card holder the following notice was in the statement : Program Update Notice For Your XXXX XXXX VisaStarting XXXX/XXXX/2015 Cardmembers can earn a Free Night at a XXXX XXXX hotel by spending {$10000.00} annually and paying an annual fee. Free Night replaces Bonus Award Night. Terms ( & conditions apply. 

I am upset because a benefit that was advertised when I applied for the card is being taken away with little notice right after I applied. I contacted U.S. Bank using the phone and was told they can not do anything about my complaint.
I was working for a not for profit XXXX since XX/XX/XXXX. In XX/XX/XXXX I was informed after making phone calls to Navient that some of my student loans did not qualify and I would need to re-consolidate. I have been on IBR since XXXX. When my loans were consolidated in XX/XX/XXXX, they did not put me on an IBR with the information that they already had from my application in XXXX, they put me on an extended service plan. Not until XX/XX/XXXX when I resubmitted by annual IBR did my payments start qualifying. So now I have XXXX sets of student loans ( {$80000.00} ) with 28 qualifying PSLF and XXXX sets of student loans ( totaling {$150000.00} ) with only XXXX qualifying payments. Navient at NO TIME told me that I needed RESUBMIT my IBR which they were well aware that I was already on after my consolidation.
Chase has made it difficult for consumers by taking making it difficult for consumers to setup automatic payments. In order to enroll in automatic payments users now have to login to their online banking and even then there are only two options : 1 ) minimum payment 2 ) XXXX payment - a partial payment for spending categories Chase that identifies as a category for consumers to make installment payments. 

What happened to pay in full? This is no longer an option on the App and on the website for automatic payments. This is going backwards and not moving forward. 

Chase is taking advantage of a consumers busy life where automatic payments have made a significant reduction to their late fee income and " banking '' on the fact that consumers like me forget to login and make a payment in full.
I tried logging into my Reloadit Safe account last night and was not able to gain access so I could unload a card I purchased earlier. 

Now after 24 hours of trying still no access to my account. Reloadit Safe says they sent a email to verify my device but the email never arrived. Made several additional attempts but still no email.Very poor service. This has happened on several occasions in the past by usually resolves in a few hours but not this time. Attempt after attempt just fails. 

Very dissatisfied with the lack of response and ability to contact Reloadit services.
XXXX XXXX Bank has failed to respond to my cfpb complaint XX/XX/2018. I have yet to receive a response from the cfpb or XXXX XXXX in regards to this matter. XXXX XXXX failed to complete an accurate investigation within 30 days and report back to you and I accordingly. Both postings totaling XXXX in bad debt posted to all credit reports should be removed immediately. XXXX XXXX failed to adhere to the collection standards as defined by the FCRA.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  advised that my loan servicing was transferred  to PNC M ortgage. My notice advised that I had 15 days before having to make payments to another servicer. To put this in context, I was about to go on a 60 day trip overseas and could have completely missed this letter. The amount of time given was completely inadequate and I could have lost my home to foreclosure or at the least been charged a slew of fees and had my credit damaged. This is completely unacceptable. Given that my loan is for 30 years, nothing should move as fast as this. 3 months should be the minimum amount of notice of a transfer. Auto-draft payments should transfer, and there should me much more notifications than a simple letter in the mail that can easily be lost.     Additionally, I called the company today (  XXXX / XXXX / 17  ) and am unable to make my regular payment. They advised that my loan was " being processed '' I would not be penalized. I however, have no written guarantee or protection.
Reached out about the incorrect reporting on my credit account, was given a run around by the creditor, then i reached out to the company in charge of the consolidation and they have yet to get back to me
XXXX XXXX DISPUTES ONLINE ARE A WASTE OF TIME AN NEVER ALLOWS ME TO FILE, CONTINUES TO LIST INCORRECT/ PREVIOUS DISPUTED INFORMATION ON FILE, SAME RESPONSE OF VERIFIED BY CREDITOR, GIVEN WHEN I HAVE NOT SEEN ANY OF THE DOCUMENTS THEY USE TO COME TO THE CONCLUSION OF VERIFIED AS MINE. NOT ONE SINGLE CREDIT REPORT IS CONSISTANT OR MATCH THE OTHER CREDIT REPORTING AGENCIES ( 2 ; TRANSUNION, 3 ; XXXX ) OUT OF DATE, INCORRECT, AND UNFAIRLY REPORTING IS ALL TOO FREQUENT AND COMMON AND HAS CAUSED ME VERY MUCH GREIF, STRESS, TIMELOSS, LOSS OF EMPLOYMENT AND FUTURE PROSPECTS OF EMPLOYMENT DUE TO THE NEGLEGENT, UNFAIR, INCORRECT, AND PLAIN LAZINESS AND DISREGARDS OF MY RIGHTS AS A HUMAN, EMPLOYEE AND CONSUMER.
Good morning, I am currently serving in the United States XXXX XXXX and have been for 16.5 years. I am attempting to get a home loan. My XXXX children and I are living in a hotel while we wait for the below issue to be resolved. No one has been able to remove the information from my account. It is causing a serious hardship for my family. 

I had a loan account open from XXXX XXXX with an account number of XXXX. The account was showing late for the months of XX/XX/2018 and XX/XX/XXXX-XX/XX/XXXX. I have made the same account payment for years and was never reported as late on my credit report. I contacted XXXX and identified the issue. Nothing was done on their end and on or about XX/XX/XXXX, I submitted a dispute to Experian, XXXX  and XXXX. On XX/XX/XXXX, I received back the dispute and nothing was changed on my credit report between last Tuesday and today ( XX/XX/XXXX ) when the bureaus refreshed. I spoke with XXXX on XX/XX/XXXX and they notified me that codes were imputed into the system to let the credit reporting agencies know that I was not late and it should not be reported as such. XXXX has made the change in their system and notified the companies according to the agent however, it is not reflecting on my report.
I sent transunion llc a dispute letter to which they had 30 days to respond to and they haven't.
A lady presenting her self as an attorney and or a paralegal in one message, her name is XXXX XXXX. She stated it is imperative that I contact her at once or she will be forced to pursue further action or contact my county for legal actions or arrest at work.
I ordered airline tickets online, and only after paying for them, upon receiving my online confirmation, I noticed that it was not what I agreed to ( in that, they added an additional stop to the trip ). 

I promptly called up the online company ( from where I had purchased tickets ) and asked for a refund. The rep. told me that they would charge me a cancellation fee. After some back and forth I requested that the charge be cancelled, both on the phone and via email. 

I then called up my credit card company & tried to dispute the charge, but the charge had not been posted yet, so they said to call back only after the charge was on the bill. I asked the CC company rep. to annotate the incident. 


Some of the charges are still in dispute, however one charge was upheld because the credit card company failed to address it. Meaning it was overlooked despite me addressing it. 

What happened was, upon receiving the initial notice saying that i failed to address some charges, I called up the CC company, and after speaking to a disputes rep. i was told that they would apply the rebuttal / reply to all the charges. I even offered to make out separate emails ( basically i had to copy and paste everything 8 times, which i offered to do -- the CC dispute rep. said not to worry about it that she would make the reviewing body aware of this ). They applied the email to all the other charges but one. 


After recently seeing the charge on my bill, i inquired about it and the CC company says that i did not include it in a separate / individual email. I went forth and explained everything to them, they said that there is simply nothing that they could do at this point. 

It's for roughly {$600.00} is there anything that I can do?
On multiple occasions I 've not only contacted Equifax about inaccurate & erroneous regarding addresses to Which ive never lived in! I have even sent notorized doucments proving that i didnt live at the address, supposedly those addresses have been deleted but yet the remain on my Equifax credit report. This hinders my chances of obtaining credit, verifying who i am when i apply including getting turned down because of this. Please inform Equifax that im now seeki ng Legal Consumer Protection Council if this inaccurate information stays on, and that i will seek Legal remedies via Lawsuit. attached i have provided dispute results from Equifax and Todays File which still shows the Supposed '' Delet ed Addresses ''.
I have reported that negative accounts that are over 7 years are still on my credit report and would like them removed.
XXXX credit card, auto payments stopped around XX/XX/XXXX, was not aware due to I was in the middle of a Military move and preparing for a deployment. 

Was notified by XXXX that they had taken over my XXXX  card account, so worked with them to address the issue rather than run from the problem. 

Due to deployment I was not monitoring as I should have been. ( Now I check weekly and I am fixing my creidt ) Paid to debt collector : XXXX XXXX, ( have letter of statement saying account paid in full from XXXX. 

Payments in 3 deposits from XX/XX/XXXX to XX/XX/XXXX ( every 15 days ) totaling in {$1900.00}.

Tried to dispute with all 3 Agencies, no help. Just adjusted verbiage on report.
I am in the process of buying a home. My private insurance company will not give me a letter proving that I am currently in deferment with their company.
Hello, My name is  XXXX   XXXX  and I open a credit card account with Chase Bank f or British Airways ( A cct # ) around    2002  and at that time there was no Annual Fees. I have never sign any credit card agreement with this bank Chase bank with British airways and now I have been charge annual fees without my consent or any agreement between me and the bank. I have requested several times to send me the original agreement with my signature on it that show any annual fees involved but to no avail. Chase bank refused and trying to destroyed my credit rating files with  XXXX  major Credit Bureau by pressuring me that I have to closed or cancelled my credit card account in order for them to stop billing/Charging me for annual fees that I did not signed for. I have never received any agreement that involved annual fees. I am asking for your help to stop this kind of abuse from  Chase B  ank/British Airways from   XXXX  off a working class people like me. Enclosed below is my attachment billing from  Chase bank /British airways.
While I now have seemingly countless complaints against Bank of America, the only reason for this is because of their continued avoidance to address the issues so they continue on even they inaccurately state the issues have been addressed, resolved, and closed. I still have n't figured out if it 's intentional, some sort of strategy, or just incompetence but that does n't really change the situation that they refuse to deal with the issues. It has gotten to such an extreme that the basis of this complaint is that they are now simply cut and pasting responses. This was never so evident as the last issue which was related to their simply providing document after document and it became impossible to keep up with disposing of the same documents over and over again but yet their response was related to another issue related to insurance. It was a precise cut and paste. The worst part is that the insurance issue was also essentially a cut and paste from previous issues but it required action on their part since they incorrectly accused me of not having insurance when I did and I fear they simply did n't even read the issue and did the cut and paste. This really is leading to the belief it 's incompetence but the funny/sad part is that everyone in this process is being paid for their time except for me and the only XXXX executive in this entire process. My motivation is to get answers, to get fair resolutions, it 's not to waste my time or anyone else 's but the second I stop responding and pointing out these issues is the point where all the previous time spent is for nothing and that 's now in the XXXX of hours which equates to XXXX of dollars. BOA does n't care about my time, they only care about greed and covering their butts when they do make mistakes. Again though and to ensure I 'm clear, the basis of this complaint is simply that they are now providing cut and paste responses which goes even further than their usual avoidance of issues.
I received a phone call from an unknown number, I let it go to voicemail because I was driving, it was a man name XXXX XXXX saying that they intended to deliver a package to my residence later today and that they were calling to confirm that I was going to be there. Then they stated that they were going to serve me with some paperwork, and if they could not reach me then they would present my paperwork to my employer. 
He told me that the " Firm '' that is handling my case is XXXX case # XXXX. 
The name of the company for this 800 number is XXXX, they would'nt provide me their location, I was informed that it was against their company policy to provide me their location and address. When I spoke to a gentlemen at XXXX, I asked who the dept belonged to, and he informed me that it was XXXX XXXX XXXX, and I explained to him that this company has made no attempts to collect this dept and he stated to me " you are correct '' they have not intention to collect this dept, instead they are going straight to suing me. He then became very patronizing and telling me that I did not know the law, and that I was XXXX XXXXXXXX XXXX XXXX, when I explained to him that I would like written proof of the dept and he denied it. I also explained to him that under XXXX the company had to provide me written proof. When I asked for his supervisor he informed me that " he was a supervisor '', then I asked for his manager " he then informed me that he was a manager '', then I proceeded to ask for his boss, the person over him and then he informed me that " there is no one higher than him, except XXXX ''. 
I told the gentleman that I bid him good tiding and good day and was ending the phone call.
To whom it may concern : This letter is being sent to you in response to the above reference account that LINEBARGER GOGGAN BLAIR & SAMPSON , LLP, has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for- HAS NOT BEEN PROVIDED. 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED. 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED. 
Identify the original creditor- HAS NOT BEEN PROVIDED Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED. 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED. 
At this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against LINEBARGER GOGGAN BLAIR & SAMPSON , LLP, for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
I have repeatedly disputed and requested verification and validation of the debts listed below for over two years now. Experian has responded only with improper verification form letters that provide no backup  documentation or proof of this debt being mine. 
During this time, I have experienced the adverse results of your erroneous reporting, including denial of credit and housing, reduction and closure of credit lines, loss of property, near foreclosure, incurrence of usury interest charges, and emotional distress. To properly validate a debt by law, Experian must provide me with a copy of the original contract signed by and obligating me to this debt. If Experian can not provide such proof of debt validity, the account must be deleted form my report. Experian has negligently and willfully failed to properly investigate the disputed debts, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance. 

Acct Name Acct # Status XXXX XXXX XXXX .... Not Validated XXXX XXXX XXXX XXXX .... Not Validated XXXX XXXX XXXX XXXXXXXX XXXX .... Not Validated XXXX XXXX XXXX XXXX   XXXX .... Not Validated
I applied for refinance payed {$660.00} to my existing mortgage bank Wellsfargo Process was canceled with out any notification Sent many emails asking for the status of the refinance and got no answer Asked supervisor to look into the problem and did not resolve my issues Can I file small claim in my state of Wisconsin to try to get my money back?
Date: XXXX /2017 The c  ompany and persons involved are the following ; NEW CENTURY FINANCIAL SERVICES, INC, THE attorneys that are involved are   XXXX   XXXX   XXXX   ,   XXXX   .
They are suing me for a contract dispute, for attending   XXXX   XXXX   XXXX   XXXX  , this school closed down while I was still a student at the school. Their company is suing me for the amount of {$6300.00}. They are attempting to garnish my work wages and other future financial gains I may receive.
Hello all my accounts where paid in full but its not reflecting. its the 2nd month I'm going for a mortgage and it seems to not being updated. Please have the companies update my accounts on my credit report god bless XXXX XXXX  card : XXXX - available : # XXXX XXXX/XXXX  card  : XXXX -available : {$10000.00} XXXX/XXXX card : XXXX - available : {$8900.00} XXXX  XXXX card:XXXX- available : {$9000.00} XXXX  card:XXXX- available : {$5200.00} XXXX  XXXX  card:XXXX-available : {$1000.00} XXXX   card:XXXX-available : {$6000.00} XXXX XXXX
I ordered cable service thru XXXX XXXX XXXX (XXXX) and canceled the service in less than 5 business days. At the time the XXXX service was ordered, XXXX advertise no charges if service canceled within 30 days. I spoke with a XXXX representative back in XX/XX/XXXX who assured me that my balance was XXXX, thereafter on XX/XX/XXXX I received a letter from The CBE Group stating they are attempting to collect a debt in the amount of $XXXX. They have reported this false debt to the credit bureaus. The CBE Group stated that in order to cancel the debt I will need a letter from XXXX XXXX XXXX. I was on the phone for an hour with a representative at XXXX XXXX XXXX {XXXX  ID#:
I 'VE DISPUTED THIS FRAUDULENT ACCOUNT AND CONTACTED THE CREDITOR NOTIFYING THEM OF THIS FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY CONSENT. THE ACCOUNT IS XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/2013
XXXX XXXX XXXX HAS A CARD IN MY NAME THAT I DID NOT AUTHORIZE! 
Original address traced back to Ohio. I do not live there and have not lived there in over 5+ years. I have tried working this out with the credit card company. It was put into collections before I found out about it. The collection company XXXX XXXX XXXX claims they have sent me multiple letters which they never did. They threatened me with a sheriff by serving me papers but I was not home. I have been in contact with the Collection Agency ( lawyers office ). 

Collections Agency ( lawyer ) said I had to appear in court if you were accepting the papers. I AM NOT ACCEPTING PAPERS FOR SOMETHING I AM NOT RESPONSIBLE FOR.