WillisBack/dataset-financial-user-claim huggingface dataset:
Balance transfer requested with capital one credit card for XXXX requested on XX/XX/XXXX posted to my account as balance on XX/XX/XXXX with capital one. During the transaction there was no notification as to a 10 day waiting period for balance to be transferred. No full disclosure. I requested an electronic transfer. They issued a check which has not been received as of XX/XX/XXXX by XXXX credit card. I asked Capital one to remove the balance until the check is cleared and funds have been recieved. They refused. I now have a balance on both credit cards.
The bottom line Is Experian XXXX XXXX Advertise, if a person pays for their service then they're able to see the same Fico Score a potential Creditor would see. On or about XX/XX/19, I purchased Experian XXXX XXXX XXXX and I was able to see my FICO credit score, which I assumed was accurate. I applied for credit Based off where experience Credit works Show me My score. The potential creditor Pulled my Experian credit report and denied me the credit Because my score was not high enough When I told him I pay Experian XXXX for this information, He informed me that Experian XXXX XXXX supplies the consumers with an estimate score and provides potential Creditors with the true score Which is usually XXXX to XXXX points higher. On XX/XX/19 I called Experian XXXX and filed a formal complaint and canceled my membership. As of XX/XX/19 I have yet to hear anything from anyone at Experian XXXX XXXX. I would like To be made whole And to receive a formal apology from Experian XXXX XXXX also, They should change their advertising And let potential Purchasers of their products know the truth!
I am serving as a XXXX  at a XXXX XXXX in part because after 10 years my loans are supposed to be forgiven under the Public Service Loan Forgiveness Program ( PSLF ). 

I recently certified my employment and was informed by XXXX  that only 5 of my payments in XX/XX/2018 were " Qualifying Payments '' for PSLF. The other 7 payments were not counted because the payments were prepaid. 

XXXX does not publicize their very counterintuitive policy that a prepaid payment is not an on time payment under PSLF. XXXX on their website describing PSLF requirements writes : " If you make a payment for more than the scheduled payment amount, the excess amount may be applied to cover all or part of one or more future payments, unless you request otherwise. Depending on how much extra you pay, its possible that your next due date could be a month or more in the future from the date you made the extra payment amount. This is called being paid ahead. If you make subsequent payments during a period when you are paid ahead, those payments wont count toward PSLF. '' This is deceptive and suggests only that additional payments made during the paid ahead status time will not count towards PSLF, not that none of the payment applied to future payments will qualify. There is also nothing in the congressional record to suggest that when Congress passed legislation authorizing PSLF, it intended prepayments to be excluded from Qualifying Payments. 

Furthermore, XXXX informed me that where the prepaid money comes from AmeriCorps or PeaceCorps grants, the prepayment is counted towards Qualifying Payments. My prepayment was the result of a National Health Services Corps ( NHSC ) grant ( https : //nhsc.hrsa.gov/loan-repayment/index.html ). These are similar federal grant programs that offer student loan repayment money as an incentive, and there is no reason why XXXX should treat different from PeaceCorps or AmeriCorps.
I have multiple loan services sending me emails and and phone calls that I never received money for. They also have my social security number, that I never gave them.
XXXX XXXX and Equifax continue to publish a collections in my name. Experience deleted the inaccuracy due to identity theft. I wrote to XXXX XXXX and XXXX XXXX and they have not blocked it from my report. I 'm a victim of fraud and have had great difficulty obtaining credit as a result.
XXXX XXXX ( " Student Loans '' ) has wrongfully and illegally via violation of the Fair Debt Collection Practices Act reported duplicate accounts ( it should only have been reported once ). They are exactly the same ( with the same creditor ), but reported twice. This is severely harming my credit score. I had complained and filed a report and requested an investigation with all credit bureaus, but to no avail. They did not rectify the problem at all. The " duplicate report '' was filed as a charge off starting XXXX of 2017.
Ive been trying to do everything I can to build my credit back up. On XX/XX/XXXX, my credit scores on XXXX and TransUnion dropped drastically. XXXX   dropped 74 points from XXXX down to XXXX and TransUnion dropped 69 points from XXXX down to XXXX. The only things I noticed that changed was a very small increase on a credit card and 1 inquiry. Then on XX/XX/XXXX both scores dropped again 12 points and 13 points respectively. And my report that week showed that balances DROPPED. Ive examined both credit reports very carefully and Ive seen no mistakes to my personal information or on any accounts. I called both credit agencies and have been told by both that everything is based on a scoring model and theres nothing they can do. 
Then on XX/XX/XXXX, XXXX raised my score back up 83 points with no change on my report. Then on XX/XX/XXXX it dropped again 85 points and I had 2 account balances DECREASE. 
This is extremely frustrating and I cant help but to believe theres a serious problem with my account. Ive had inquiries drop my score in the past maybe 1 or 2 points, but 74-85 points is ridiculous. Ive gotten absolutely no help or even any assistance in trying to find a solution to this. If the score is correct then all I want is an explanation as to why my scores are so erratic for no reason. 
Please help me with this issue. Im at a total loss Thank you
This collection attempt is not a valid debt. I have disputed this numerous times and was able to have it successfully removed from everyone but XXXX. This is from 2011 from an apartment complex named XXXX XXXX. I owed this company nothing and was never evicted/ broke any contractual agreement. Since company has since gone out of business. Therefore, I 've had numerous difficulties verifying what specifically this debt is in reference to. Speaking with this collection companies represenatives have proven to be very stressful and provided XXXX clarity or resolution.
I fell behind in my mortgage payments due to the divorce and separation with my husband. After going through the court process in XXXX, the mortgage company was willing to work out an informal agreement. I had to pay {$1000.00} down and then pay $ XXXX  monthly. On XX/XX/18 my {$1000.00} check posted to XXXX XXXX, XXXX. I then paid $ 350 monthly. At my last court date on XX/XX/18 the Attorney from the law firm representing XXXX XXXX was unable to provide my correct loan number for my account. It was said this didn't matter but to just continue making the {$350.00} payments to remain in good status. I have had problems with this mortgage company and the lawfirm throughout the whole process. 

On XX/XX/18 I was emailed from XXXX at SN Servicing Corporation saying the bank needs the {$1000.00} and the {$600.00} payment. I immediately got scared because I had already made that payment and felt like I was getting scammed. I am hoping the CFPB can look into this because I have already signed an agreement and have proof that I paid {$1000.00}.
Experian has an Item listed on my credit report from  XXXX  and they refuse to remove it. Actually they put the item back on my credit report after removing it back in  2016 .  XXXX  has notified me that they advised Experian that the item was to be removed. It is evident by the proof that I have which is attached that Experian is in violation of federal law and they are just trying to hurt my credit worthiness. This item needs to be removed immediately.     Secondly ( see attachment ) that Experian is reporting that an old student loan which was sold or transferred was late on a payment. I was never late and yet they report me as late and even list in the comment section that they can not verify it but yet have me as late. Once again violation of Sec tion 609 of the FCRA. Thi s needs to be updated to reflect never late as I was never late and they can not verify their reporting.     Third they added a security Freeze to my account and I did not ask them to do so. This needs to be removed immediately
I filed for bankruptcy in 2014 I started off at a chapter XXXX, ended up doing a XXXX ( attorney suggested ) while in chapter XXXX now I had n't paid mortgagebecause it started as XXXX so was behind. While in XXXX I asked for modification from lender in XXXX 2014, as soon as decided to do a XXXX. In XXXX of 2014 my chapter XXXX was dismissed. But in modification process. Received foreclosure papers in XXXX while in modification. Received sheriff sale notice not long after. Still have not received decision on modification. They r still asking for documents to be sent by XXXX XXXX when my sheriff sale is XXXX XXXX. Very confused and stressed
BBT once again is overcharging my escrows account by almost {$1000.00}. I have been dealing with this issue since XXXX 2015 and they are still messing this up. I DO NOT WANT TO OVERPAY AND I SHOULD N'T.
XXXX is a finance company in XXXX MI with XXXX XXXX. I have a loan with them from XX/XX/XXXX when I purchased a XXXX vehicle for XXXX XXXX. As of XX/XX/XXXX and other numerous occasions, collections manager XXXX XXXX and account representative XXXX XXXX have misused my personal information and pulled my credit report either days before my car payment was due or two to three days  after. XXXX says she does not know why XXXX pulled my report but she will ask her why. XXXX also stated the other credit pulls were " justified ''. I asked her how is using my social security number whenever they please and also without my consent, signature etc. justifiable and she did not reply. I have everything in writing emails. I refuse to make payments if I am going to be harassed for no reason and have my personal information misused and compromised. I still made the payments. I even put {$400.00} more to put me ahead on the next payment. XXXX " adjusted '' my payment and took {$100.00} out of the {$550.00} payment and put it towards their " cpi insurance ''. I do not have CPI insurance or proof of such so I am not giving them free money when my APR is already at 22 %. XXXX typed a Word document that has an Ohio company name on it. This company and its workers are a scam and a fraud and should not be in business whatsoever.
On XX/XX/2018 USAA Bank withdrew, without authorization, enough money to overdraw our checking account, causing a large number of Overdraft Fees. The amount of the withdrawal was {$300.00}, and the total amount of overdraft fees caused by that withdrawal was {$170.00}.
I have been paying from XX/XX/XXXX each month towards the settlement amount. Today, I called them to verify how much balance is left towards the settlement amount. They said I broke the settlement by missing the payment in XX/XX/XXXX. I checked with my bank account and verified it was paid. Then I called them to inform this and this time they said it was XX/XX/XXXXpayment I missed. Again, I checked with my bank and it was paid. Every month it was paid and never missed a payment. I have the proof from my bank it was cashed each month. They never sent me statements to reflect the balance. I need this to be resolved ASAP.
i had did many complaints with bank of America and is ongoing thing. i feel my identity been robbed of my credit card i want a full investigate because i did so many complaints and never was resolve. i been a client of bank of America two decades i never paid late. and i don't know my bills doesn't get low. my ability i cant i need to now who is robbing my credit and the minimum is XXXX but i pay XXXX every month to get off the amount of money i owed. to get of my debt but what i see the account don't get low i see something not right i be paying i already try talking to bank of America about my complaint of my credit card but still nothing gotten resolve. also i call the credit card number i speak to the operator and still they don't resolve my complaint. i need a full investigation whats going on i feel my identity been robbed. please thank you.
bought and return product by XX/XX/18 verified by there email dated XX/XX/18 and letter dated XX/XX/2018. Fax copy XX/XX/18 of there email stating credit will be credit to account. add spouse XX/XX/18 to account to help clear up.also again on same letter stating credit of XXXX will take 45 days.letter dated XX/XX/18 states intent to report delinquency to credit agencies.i XXXX XXXX called on XX/XX/18 telling them of previous letter and returning product as stated on top of there letter hand written. receive another letter of intent to report delinquency now owing XXXX. called XX/XX/18 ask to resolve explain all letters to no avail. wrote letter XX/XX/18 to XXXX XXXX XXXX/ dispute resolutions only to receive another bill dated XX/XX/18 they are closing account
My mortgage was with XXXX and was sold to Flagstar. I tried to process my first payment with them and typed in the wrong account number which made my payment not go through. I never received an email or phone call saying I missed a payment and when I went to go pay the next months mortgage payment it said I had late fees and wasn't paid. I called Flagstar and the customer service representative was very rude to me and asked me " If I would like to keep my home? '' and ; " just wanted to know if you wanted to keep my home? ". When I asked about the late fee, he stated " it wasn't a late fee but an insufficient funds fee. '' Federal Law states that I have a 60day grace period before late fees are charged.

I don't believe I should be charged any additional fee 's regardless of what they wish to call them to subvert the law given that I never received notice of the missed payment and I am attempting to fulfill my payment obligations in full.
First, I have other pending complaints regarding some of the same issues which I soon will list below. However, I am submitting this complaint here because   XXXX   XXXX    reason for denying my claims appears that the issues of my complaint were not clear.   In order to clarify my issues/complaints, these are now the current issues :  1 )   XXXX   XXXX   XXXX  action requested : To remove the Comment " Account previously in dispute-investigation complete, reported by data furnisher . '' 2 )    XXXX   XXXX  -action requested : To remove the  Status advis ory " This item was updated from our processing of your dispute in  XXXX   2015 . ' ' 3 ) P ersonal statements you 've asked us to include-action requested : To remove the following statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want continue with the security freeze, but I never requested/authorized that statement to be added to my credit report.
Debt is being reported on my credit report and I have not knowledge of debt. No contact has ever been made with me concerning debt, not attempts to notify or collect debt.
I have called and spoke with their representatives over the phone countless times. All of the contact and personal information they have on file for me is inaccurate. I sent a letter on XX/XX/XXXX and XX/XX/XXXX  to all three credit bureaus requesting they ask for documentation to confirm the validity of the debt. As a response to all of my disputes I have not received any proof of ownership. The company is claiming I defaulted on a lease from XX/XX/XXXX. However, at that time I was a college freshman living in an on-campus dorm at XXXX XXXX University. There is no way I would have been able to be financially responsible for an apartment or even provide proof of income because I was a full-time student. This company has damaged my credit for years without my knowledge. I have only recently become aware of this issue because I am currently attempting to get my first place and checked my credit.
I have factual documentation regarding a dispute I filed with XXXX XXXX XXXX creditor and the bureaus still do not investigate correctly to remove the Charge Off of f my credit report. I have letters from creditors that state account was paid in full closed and total loan amount paid. because they said they already investigated the issue no further action can be done.i need help to resolve this matter my XXXX XXXX has dropped substantially XXXX XXXX to the XXXX 's due to that derogatory info. My father as well is impacted on this issue because he is a co signer.
Today, the president of my company held a conference with me, payroll and  human resources  regarding the attached document from Account  Control Technology , Inc. regarding my employment status. I dont know who this company is or why they are trying to v erify my employment. What disturbed the president of my company is was the fact that it states via fax " ATTN ; PAYROLL / GARNISHMENT DEPT ''. From what I know, I dont owe this company any money and if I do, I was notified properly. I had to leave work today due to   XXXX   XXXX   and visit my doctor ( i have proof of this ). I needed meds to calm down because I was having a  XXXX   XXXX  - something that has n't happened to me in over  XXXX  years. Because of this unannounced meeting with my company president, payroll and  human resources,  I had to leave work. This is not fair to me as a consumer because I dont know who this company is and why they are inquiring about my employment status without my written consent and the wording " GARNISHMENT DEPARTMENT '' in their correspondence with my employer. Had I known about a potential debt owed, I would have challenged it pursuant to the FDCPA and requested they send me information regarding the validation of the debt, the original creditor, how they came to the amount they 're seeking, licensed to collect in my state, etc ... none of this was done. They 've hinted to my employer, without validation that I owe money because they attention their unwarranted job verification letter to " PAYROLL/GARNISHMENT ''. The fact that they 've used "  GARNISHMENT DEPT '' suggests dissemination of personal financial issues without validation. I 've submitted a complaint with the   XXXX    Attorney General, Attorney  General of  XXXX  and with your office. I will continue to prosecute this matter until a fair decision is made. My attorney has all of the complaints I 've submitted to your office and to the  AG 's office and we 're waiting for a response. Based on the outcome of this and ot  her complaints submitted, I 'm ready to file a civil and criminal suit against Account Control Technology , Inc. for deceptive business practices and libel.
I am aware that I owe the debt, originally to XXXX. On the first call to me by the Debt Collector, Credit Management, LP., I entered into a monthly payment arrangement, making the first payment during this conversation. After that I began receiving phone calls beginning with the usual caveat about the conversation being recorded, etc. Finally I had had enough and I told the caller I was current with my payments and to stop harassing me. Now I am receiving one or two calls a day. My caller ID shows the phone number XXXX and the location " United States ''. If I answer, there is no one there or occasionally I hear voices in the background. My current balance is approximately {$50.00} which I will pay in full when I receive my Social Security payment. The collection agency is Credit Management , LP XXXX XXXX XXXX, XXXX, TX XXXX. I hope my credit is not damaged by this collection company since I am making payments. Thank you.
i never applied for this loan but its showing up on my credit report and the credit bureaus are giving me the run around about this inquiry
XXXX XXXX sold the store card to XXXX XXXX XXXX XXXX. I called. XXXX XXXX - XXXX is their number I called XXXX XXXX who claimed they had this account and was sold to them. I need XXXX XXXX to comment on this account that it is settled and paid in full. It is not a charge off or collection. Remarks need to say please, or comments settled and paid in full. Thx. XXXX XXXX
Their is a credit reporting XXXX XXXX XXXX XXXX XXXX on my credit report that is past the 7 year law. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report.
I had been using my bank of america banking application along side the banks automated teller system to ensure that I was not using any funds that would make my account overdrawn. As of yesterday, when I had all but on pending transaction on my account, it read that there was {$20.00} in my account available, I checked the automated system and it told me the same information. Now, today I found that I have been overdrawn on the account. The bank even recinded the overdraft fees because they said it was a bank error, when I asked for the {$20.00} I would have had in my account back they said that I could file a fraud claim to get the money back. I then reminded them that I did state I made the charge and I would not be filing as that would have been fraudulent. The manager said that would be the only way to get the money back, which was really upsetting to hear the only way to get my own money back would be to do something illegal.Their system constantly tells me I have available funds, and I can not use the card for weeks and it will then change the amount available ( no newly posted charges will show either to explain those charges ) their fraud dept STILL has n't sent me any paperwork I needed for a fraudulent charge. I am very saddened by the fact that this bank constantly admits that their system is messing with our money, but refuses to do anything about it or to make things right for their customers as a whole. Especially since this would definitely be considered fraudulent activity.
simons agency has multiple collections on all of my credit reports ALL of these have been paid by medical insurance and they are attempting to collect amounts for a dollar in some case.   there are multiple law suits against Simons, they refuse to answer my calls and hang up on me when i call
This morning I received a phone call about a debt I have with the XXXX XXXX XXXX. I acknowledge that I have a debt but never received paperwork from the company collecting. I have been in contact with XXXX XXXX XXXX to take care of this. The gentleman 's tactics were not only rude but he didnt do much of explaining. Also, he called my husband in regards to this.
My name is XXXX XXXX. I am filing this complaint because Transunion is refusing to update my XXXX XXXX XXXX collection accounts as paid and settled. The account numbers are : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. I settled with XXXX XXXX XXXX and paid off these accounts months ago but for some reason, Transunion has been the only agency who has not updated these accounts to reflect as " paid ''. It has been over six months of back and forth disputes with Transunion and they have not resolved my issue. I am including a section of an XXXX only report which shows how all six of these accounts are reflecting as paid and settled accounts. What is wrong with Transunion and why ca n't they update my accounts properly? I do n't see how this is so difficult. What makes this all the worse is that they have been writing to me in their letters asking me to call the creditor to verify the information being reported. I do n't need to do that because I know these accounts have been paid and settled. I did it myself. XXXX  and XXXX would n't be reporting them as " Paid '' if this was n't so.
I can no longer access my XXXX account. I had nearly XXXX points prior to making the conversion to the XXXX card and was actively participating in auctions on the website. Was told by a rep via email that a product conversion cancelled my points. I was not aware of that upon making the conversion and would like the opportunity to use my points.