WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX continues to report my credit card balance incorrect. The card is paid to a XXXX balance each month prior to their reporting. XXXX  continues to report the card with almost a {$3000.00} balance. This has been an ongoing issue for over three years now. There have also been consumer financial protection bro complaints filed on the same issue and have never been resolved. There is a serious pattern of non compliance.
I have requested a letter in writing from XXXX XXXX  for federal credit union stating the account was paid to a XXXX balance and was reported as a XXXX balance on XXXXXXXX17.
XXXX refuses to respond to my written correspondence and refuses to speak to me on the phone regarding this issue.
XXXX XXXX and Experian have both tried to contact XXXX at the number provided on their reporting, however, the phone number provided is disconnected.
I have never had any business with Portfolio Recovery Associates. I realize this is a debt collection company. As such, numerous times I have requested validation of this supposed debt or to have it removed from my report. I have not received validation and verification in the form of any acceptable document. I have two unverified accounts reporting on my credit reports from Portfolio Recovery Associates.Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt you claim I owe. I continue to request that PRA provide verification of the following : the original Application or contract with my signature and an itemization of the costs, including an accounting, for all purchases, charges, interest, or other fees placed on these accounts that you claim I owe. Sending a copy of a billing statement does not constitute verification of the account or demonstrate in any way that I am responsible for these accounts. Please provide an original consumer contract. Copies of old billing statements do not constitute verification or my signature. I am enclosing a copy of the billing statements PRA considers verification.
I have been trying since XXXX 2016 to get my deceased husband 's name removed from our joint contract with Nissan Motors Acceptance Corp ( NMAC ). I have documented numerous calls to NMAC, have sent all requested forms to them as instructed, and have made follow-up calls to check on the progress of the change. As of today, XXXX XXXX, NMAC has still not initiated the requested change. 
In the meantime, I ca n't get anything done regarding the financed vehicle, including renew the license plate. As of XX/XX/XXXX, I am illegally driving with an expired tag. I am a widow, have nobody else to drive me and do n't have an alternate vehicle to drive. I am desperate. 
In an attempt to escalate my complaint, I contacted XXXX XXXX Consumer Affairs on XXXX XXXX. Today, I received a callback from them. They claim that they have no affiliation or control over NMAC, and therefore ca n't help me. 
I have exhausted my efforts to get this resolved. NMAC has complete control over this horrible situation and is exhibiting no concern for me.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made.. The accounts have nothing to do with me..I am a victim of identity theft and the account is not my responsibility, please remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
XXXX XXXX XXXX XXXX is attempting to charge me a cancellation fee that was assessed in error. I have spoken to them via phone countless times over the past few months to no avail. They have now sent this account to a collection agency, Convergent Healthcare. As has been explained both to XXXX/XXXX  as well as Convergent Healthcare, my son, XXXX, went to XXXX, AZ to visit with his father this summer. He had an appointment during his visit which I cancelled. XXXX claims another appointment was rescheduled that same day, which XXXX   missed. This information is in error. I did not reschedule another appointment at the time of cancellation as I did not know when XXXX   would be returning. Therefore, if another appointment was scheduled, it was done so without my knowledge or consent. Certainly I can not be held liable and charged for missing an appointment that I was not aware existed. 

Convergent 's response to my dispute was that they would contact XXXX and it would be up to XXXX as to whether, or not, this account was removed from my credit report. Under the FCRA, as Convergent is the " furnisher of information, '' they have a duty to verify the accuracy of this account prior to placing it on my credit report. They also have a duty, once informed of a dispute, to conduct their own independent investigation into the debt 's accuracy. They can not simply rely on the word of XXXX to determine whether or not this debt is valid. It is THEIR duty to ensure the information THEY are reporting is accurate.
Received an email from Synchrony Bank requesting information on a closed account. I contacted the telephone number provided and no one was able to advise as to why this email was sent on a closed account. This could be potential fraud and no one at synchrony bank can explain where the email was originated from.
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 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.
So I have a credit card with XXXX XXXX XXXX XXXX my balance was {$1300.00} I called to say that this was going to be paid in full the middle of XX/XX/XXXX ( i called the begining of XX/XX/XXXX to let them know and they said that would be fine ) and they should have noted my account so I wouldn't get charged a late and have no more charges. I called today XX/XX/18 and they said they couldn't reverse the late fee of {$25.00}, really!!! They got the full amount of {$1300.00} paid in full and they cant reverse a one time late fee??? they are saying that because i had one reversed in XX/XX/XXXX they cant do another one but in this situation the card is paid off and I will be closing account and so they should be able to waive this fee!! Now this wasn't even my fault that it took longer than expected which I had mentioned to person when I called capitol one to get total balance amount.
I took a {$600.00} loan. Somehow I misinterpreted the repayment plan. I thought my finance charge would be {$210.00}. However, that is not the case. XXXX payments of {$200.00} have already been taken from my account.They are scheduled to take out {$200.00} every two weeks over the next year. I can not afford this, and was unaware. I 'm afraid that this is going to ruin my credit, as I can not afford to make these payment every two weeks, and I 've already payed back what I owed.
I received a call from Argon Credit asking if I wanted to refinance my account. At first, I stated No and my husband said yes we use it for XXXX. Well that is when the nightmare begin. I received the contact on XX/XX/XXXX and I notice that it did not have any account information. I called an gave her the information and was told that the funds would be there on XX/XX/XXXX. They were not there, so I called and spoke with XXXX XXXX, she asked that I send her bank statement and voided check which I did. Then a young man called and asked for the same information, I explained that I had sent it to XXXX XXXX and he stated that she had not update and ask that I email him the documents. The next day no funds so I called and was told that it would take up to 5 days, I have never had a problem in the pass. So on XX/XX/XXXX I called and I said ok this is crazy I have been waiting since XX/XX/XXXX for the funds and you send me an email stating that the funds would be in my account on XX/XX/XXXX. I ask can we just cancel and I go back to my old agreement that I had. XXXX ask that I allow him to see what was going on and call me back. He did and told me that the bank had rejected the deposit, so I call the bank and was told that no deposit was presented my that company. So I called back and I requested a supervisor, all the time I am asking about this due date of XX/XX/XXXX which was going to be less than 30day since at this time I did not have the funds. I was told each time that once I received the funds to call back and the due date would be changed. Well the funds were finally deposited into my account on XX/XX/XXXX 11 days after this whole process started. So I called and spoke with XXXX and was told that she would call me back. She did leave a message when I called back I was told that the due date would not be change the payment is due on XX/XX/XXXX, 19 days after I received the funds. Then I am looking at the contact and it states that funds will be issue no later than 5 days after the contact since I there is a 5 day grace before late fee applies. I also notice that the interest is 59 %. Everyone that I talked to before told me that the due date would be change since it was after the 5 days and now I am being told that they are not willing to change the due date.
XXXX XXXX was supposed to remove negative info from credit reports per the CFPB investigation they did not! XXXX XXXX requested they remove and they did not " The original placements provided by our client were submitted in XXXX XXXX. Additional placements were sent in XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each placement was followed by a letter to XXXX XXXX at the address indicated in the complaint. There has not been any returned mail received from these mailings. Each notification letter includes complete instructions on how to submit a dispute regarding the balance due. Additionally, despite multiple attempts to reach XXXX XXXX by phone there has been no positive response to any calls. He is claiming that XXXX has refused to accept payment arrangements but the file notes from XXXX indicate he would follow up with his insurance. There are no file notes between XXXX XXXX, XXXX and XXXX XXXX, XXXX when he disputed his credit report tradelines and XXXX confirmed the information to be accurate. As our client has requested the file be closed, the related tradelines will be recalled from XXXX XXXX credit report ''
I received a letter, dated XX/XX/XXXX, received on XX/XX/XXXX, from Great Lakes ( XXXX XXXX XXXXXXXX XXXX XXXX ) who has been servicing my FFELP for a number of years. The letter was not marked as important on the outside of the envelope, or anything else that would indicate that it contains crucial information. Additionally, I have chosen to receive all of my account correspondence via email, so all important information should be received via email, and I have NOT received an email regarding this topic. 

The letter goes on to say that as of XX/XX/XXXX ( just 8 days after the letter was received ), my account is being transferred to XXXX XXXX XXXX and that my online account information on mygreatlakes.org will no longer be available. I have not received any communication from the new servicer regarding payment due dates, or any other communication to confirm the legitimacy and accuracy of this solitary letter. 

This strikes me as incredibly poor business practice, and a set up that could lead to missed payments, or payments sent to the old servicer ( especially in the era of automatic payments being set up ). 

It seems that for information of this importance, a minimum of 1 month should be required for communication ( especially, as my XXXX searches have taught me, that XXXX acquired Great Lakes in XX/XX/XXXX of this year, so clearly they have had more than 2 weeks of notice to inform me ). This is clearly poor customer service by both Great Lakes ( only 2 weeks notice from the date that the letter was sent ), and from XXXX ( no communication with me at all ). 

Either this is incompetence, or it is sleazy.
These inquiries should be deleted from credit report. I did not authorize. some inquiries are like same or next day. 
XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX I XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive Friendly XXXX XXXX XXXX, XXXX XXXX XXXX Automotive Friendly XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX Utilities & Fuel XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Automotive
My loan went into default 2 years ago. It was placed with a collection agency. I paid {$340.00} a month for 9 months-that was the agreement to get out of the loan rehabilitation program. On the 9th month they claimed I had failed to make a payment ( which is not true-because my payments were all direct payment from my checking account ) When I inquired they then said my paper work was n't complete so I failed the rehabilitation program. My loan was given to another collection agency. They called me and put me in another loan rehab program around the XXXX I recieved a letter from a completely different collection agency Navient that said I was XXXX payments late ( which is not the case because I had direct payment from my checking account ) Now it 's going on 3 years and Navient is the XXXX collection agency offering me a loan rehab program. I just want to pay off my loan and they are determined to sink me deeper while they collect fees. Please help!
I checked my credit score on XXXX XXXX and saw that my score dropped by 18 points between XXXX and XXXX. Im not sure why as my balances were all paid in a timely manner. The company was Capital One.
My husband and I make our mortgage payment every month, the payment is always made within the grace period. For the last two months we have been receiving a " delinquency '' notice. Did n't take the first one too seriously since the payment was made but since we got one this past month for our   XXXX   payment as well I called LoanCare to see what 's going on. The representative was very rude. Put me on mute when I was questioning the situation and said that I have no late charges if I have access to my account I can see this. I also work for a sub-servicer so I am familiar when notices are sent to borrowers. If a loan is not delinquent, and there are no late charges, how is this in compliance?!
I continue to receive phone calls from an agency looking for someone with the same name as me. The agency 's phone number is XXXX. The main person that has been calling me is XXXX. I have actually returned the calls to speak with people there and even spoken with XXXX regarding the mistaken phone number. When they call me, they immediately want to confirm personal information which puts me on guard because in today 's world, someone calling you wanting to " verify '' your birth date and address as soon as you confirm your name, puts up a bit of a red flag. They would not go into more detail as to why they were calling other than to apologize about the mistake. However, it continues to happen. They are primarily calling my employer ; which I really do n't appreciate one bit.
On XX/XX/XXXX I sent the sum of XXXX Euro to Coinbase to buy bitcoin, from my account at XXXX. 
On XX/XX/XXXX I emailed Coinbase making as query as to why the funds had not arrived, which was ignored. 
On XX/XX/XXXX, I received an email from coinbase stating that the funds were being returned as the names did not match on the accounts. 
I subsequently mailed on XXXX and XX/XX/XXXX with no response from Coinbase. 
I contacted them again on XX/XX/XXXX and this time received a response. After several mails backwards and forwards on the XXXX, asking me for various items to verify I had made the transfer, I was informed that it would be escalated. I still have not had a response. 
Judging from various postings on sites like XXXX and XXXX, this is a common ploy by Coinbase to delay resolving queries, or indeed just hope you give up. I know that the sum is relatively small, but I do n't think that this gives a company the right to hold on to funds without either applying to my account, or refunding. Many of the review sites are full of reviews of this company acting in such a manner.
account XXXX XXXX XXXX XXXX  card PAID in FULL credit bureaus stopped reporting it as a paid account and deleted it off my credit reports. This account needs to be reporting on my credit report! I have sent certified letters and complaints and i believe to be getting discriminated against since i have ignored and shoved to the side. This account needs to be REPORTED!
I was recently made aware that I have not received credit for mortgage payments to Wells Fargo that were submitted to the original loan provider XXXX XXXX in XX/XX/2017. I made 4 partial payments in XX/XX/2017 totaling {$1900.00} ( {$480.00} - {$480.00} - {$480.00} - {$480.00} ). 

I reached out to XXXX XXXX to investigate this matter and they could not verify one of the payments ( {$480.00} ).

I reached out to Wells Fargo to investigate this matter and they could not verify two of the payments ( {$480.00} and {$480.00
} ). 

I submitted proof of payment to both companies. As of today I have not been credited for my payments and Wells Fargo has implemented late charges on my account earlier this year when in fact I am one month ahead in mortgage payments. I have been promised updates on this matter from both companies and as of today I have no updates.
Chase Bank rejected XXXX checks that I had to use with XXXX, likely as retaliation for complaining to the XXXX about the issues I had getting a debit card for 6 weeks ( only finally received Monday ). 

I just called and confirmed they had no legal reason to refuse the checks, considering I had more than enough money in the checking account to cover them.
A manager by the name of XXXX XXXX told my brother by telephone that I was on a list to be taken to court when in fact that was not going to happen. I then spoke to a more pleasant woman by the name of XXXX who advised if I made a payment my loan would refinance. That never happened and it has charged off since. I applied for a loan with a different company and that company called Broadway Finance. Someone at Broadway Finance told this other company how a previous conversation went and brought up irrelevant info not pertaining to the issue at hand. I do believe FDCPA laws are and have been violated and they need to be investigated on.
I would like to request the removal of my Credit Freeze from all 3 credit reports Trans Union, XXXX XXXX. I am in the process of buying a home and I need access to my files asap.
This account is from services that was not given too me but someone using my information.I had State issued Medi-Cal at that time and would not have been billed for any services.I have had State insurance since " 1985 '' and have continued today.I have ask for validation of this debt several times from this company whom has only advised me to contact the original creditor " XXXX XXXX XXXX '' which I have and they seem to be a very dysfunctional organization with little concern or corrective support.This collection company " XXXX XXXX XXXX '' has not been in compliance with FDCRA and I have not been able to get them to comply.
IN MY PREVIOUS DISPUTES TO BOTH CREDIT BUREAUS XXXX AND EXPERIAN REGARDING XXXX XXXX XXXX XXXX WAS UNSUCCESSFUL. BOTH BUREAUS CHOSE NOT TO REMOVE THE INCORRECT DATA FROM MY CREDIT FILE.DESPITE SUPPORTING DOCUMENTS THAT DISPUTES THE INCORRECT REPORT BOTH BUREAUS CHOSE TO ACCEPT XXXX XXXX XXXX XXXX 'S DATA.AGAIN, I HAVE ATTACHED ADDITIONAL SUPPORTING DOCUMENTS TO INCLUDE THE VEHICLE TITLE SIGNED BY A XXXX REPESENTATIVE DATED X/X/2011.
I graduated from college in 2007 and began teaching. I have tried in the past to get the XXXX XXXX  repayment plan. I was turned down two different times. I have XXXX in XXXX XXXX XXXX schools and should have been able to get on this plan. Navient has steered me into defements. My interest has become almost as much as the original loan.
I DISPUTED ACCOUNT ON MY EQUAFAX CREDIT REPORT AND RECENTLY THE ACCOUNT WAS DELETED OFF OF MY CREDIT REPORT. GRANITE STATE MANAGEMENT WAS A CLOSE STUDENT LOAN ON MY CREDIT REPORT AND IT WAS A PAY AS AGREE ACCOUNT ON MY CREDIT FILE. THE REASON WHY I DISPUTED THIS CLOSE ACCOUNT IS IT WAS REPORTING A WRONG DATE FOR DATE OF LAST ACTIVITY ON THIS ACCOUNT. IT WAS REPORTING XXXX XX/XX/XXXX DATE ON THIS FILE. I MADE MY LAST PAYMENT ON THIS ACCOUNT IN XX/XX/XXXX WHEN IT WAS TRANSFER TO ANOTHER OFFICE. THE DATE OF LAST ACTIVITY NEEDED TO BE UPDATED TO SHOW THAT THE LAST ACTIVITY DONE ON THIS ACCONT WAS IN XX/XX/XXXX NOT XXXX. THIS ACCOUNT WAS CURRENT TILL IT WAS CLOSE BUT ACCORDING TO MY CREDIT REPORT IT SHOWS LAST ACTIVITY WAS XX/XX/XXXX. SO I CALLED GRANITE STATE AND THEY SENT ME A PAYMENT HISTORY OUT ON THE ACCOUNT AND I SENT THEM A FAX OF THE ISSUE WITH THE ACCOUNT. A WEEK LATER THE ACCOUNT WAS DELETE OFF OF MY FILE BUT GRANITE STATE SAID THEY SENT UPDATE TO EQUAFAX TO GET THIS ACCOUNT UPDATED / EQUAFAX SAYS GRANITE STATE REQUESTED TO HAVE THE ACCOUNT REMOVED. GRANITE STATE SAYS THEY DIDNT ASK TO REMOVED THE ACCOUNT,. THEY ASK ABOUT DOING A CONFERENCE CALL WITH EQUAFAX AND EQUFAX SAYS THEY DONT DO CONFERENCE CALLS. THIS ACCOUNT NEEDED TO BE UPDATED AND I ASK IF EQUFAX SENT ANY INFORMATION REGARDING THIS ACCOUNT TO THEM AND THEY SAY THEY HAVENT RECEIVE ANY DOCUMENT. I WANT THIS ACCOUNT PUT BACK ON MY CREDIT FILE. THIS ACCOUNT IS A CLOSE INSTALLMENT LOAN CLOSE IN XX/XX/XXXX AND IT NO DUE TO COME OFF TILL XX/XX/XXXX. I HAVE DOCUMENTS TO SUPPORT MY CLAIM. ON A EARLIER CREDIT REPORT IT SHOWS THE CURRENT DATES ON THIS ACCOUNT BUT A COUPLE OF FILE SHOWS DIFFERENT DATES. I WOULD LIKE EQUUIFAX TO SHOW GRANITE STATE MANAGEMNENT THESE DOCUMENTS. I WOULD LIKE BOTH OF THEM WORKING TO GETHER IN GETTING THIS RESOLVED
i have to accounts XXXX is for captial one and the other is XXXX with XXXX and both accounts are closed i want the accounts off of my credit