WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a loan payment deferral with XXXX XXXX. The agreement covered 2 months XX/XX/2018 and XX/XX/2018. The agreement was approved. I was initially told verbally that the agreement must be signed and returned immediately after receiving. I began to look for the agreement within 24 hours. When I spoke to customer service I was informed it would take at least 72 hours not including the weekend. I received the agreement and it was signed and faxed on XX/XX/2018. With the agreement covering XX/XX/XXXX and XX/XX/XXXX my next payment would be due on XX/XX/2018. To my dismay it was reported to the credit reporting agencies that I past due for both. XX/XX/2018 and XX/XX/2018. When I put forth a dispute nothing changed then I submitted the original agreement. That was submitted to XXXX and now my credit report shows I was late for XX/XX/XXXX only. I have made good faith attempts to correct this with all 3 reporting agencies and XXXX to no avail. The information sent to me by XXXX outlining the agreement and signed and returned by me clearly covers. XX/XX/2018 and XX/XX/2018. So now I need your agency to assist me to make this right.
Promotional purchases & Non promotional Purchases. : * Account opens on or about XX/XX/XXXX new acct etc. 

* USA Mail theft is reported XX/XX/XXXX. Listed in the report is XXXX. 
refer to download. 

* via. XX/XX/XXXX-XX/XX/XXXX i was charged a promotional purchase non payment fee. 

* Communications store - card returned those fees and adjusted account. 

* The charge still is being charged monthly for over 16 months after adjusted by creditor. 

* Once fees are returned and account adjusted it is fraud to charge a non payment promotional fee once the fees are credited back to the account, for prior adjustments via, the creditor overall higher available balance is negative indicator in notice of the financial adjustment its reporting a indicator.. 
* Issues. : the credit card company has not reported the contents in the police report as lost/ stolen with the credit bureaus. 
* It is required it report accurate and properly. wherefore, * creditor on the deductive non payment promotional balance fees.

* Creditor reports great payment history * Creditors mark.- high revolving balance * notes.- non payment promotional purchase etc.. 
* Denial of credit line increase. 
* In case law the account is a US Theft in the amount of value stolen {$800.00} Be advised, On XX/XX/XXXX thru XX/XX/XXXX I was advised by a credit reporting agency 's. XXXX XXXX a freer tool of a data breach my information was found in by use of 3 companies going back to XX/XX/XXXX thru XX/XX/XXXX.  In review of credit cards, and credit reports, and other financial information the credit company 's information has used i claim in 2 areas be acknowledge XXXX The value of the police report is the contradiction of the billing department * A new card should of issued and if issued the account information with the credit reporting agency 's should have information about the close of the credit card * And have the information of the current account accurately. 
* Prec '.
Capital One is reporting wrong on the date of last delinquency. I was like Capital One to show a record of my payment history.
I have disputed the following accounts with Experian. I have told Experian that I have no contract with any of the following companies : XXXX XXXX XXXX/2017 XXXX XXXX XXXX/2017 XXXX XXXX XXXX/2017 XXXX XXXX/2017 XXXX XXXX/2017
According to the new credit reporting rules, any medical debt that has been paid must be removed promptly from your credit report. Equifax is failing to comply with this new rule even though I sent them supporting documentation. 

The new rules I 'm referring to can be found on the following reputable source links XXXX
Upon the sale of my home, I received letters from XXXX XXXX XXXX   months later that stated that I owed a past. due balance from United guaranty residential insurance company. I have been trying to confirm that the debt is legitimate and that United Guaranty Residential has an outstanding amount that wasn't paid and if unpaid, that unpaid debt has been legally forwarded to XXXX XXXX XXXX and then forwarded to XXXX XXXX XXXX. Those companies have not shown proof that this debt is owed.
I applied for IBR and was told on the federal website that my payment would by {$120.00} total. Navient bills me nearly {$200.00} between 2 statements. No one can explain why the difference and they acknowledge that it does n't sound right when looking at the income information. I had similar income and paid right around the {$120.00} IBR amount when my accounts were serviced by XXXX. Each time I complain that it is wrong and I ca n't pay the invoiced amount, they put the account on a " hold '' or deferment and that only adds to my balance and is n't a solution. Last time I spoke with them they suggested I consolidate my loans to get a lesser payment, but ca n't tell me what that payment would be or why refinancing in a consolidation ( which I do n't want to do ) will help. I have never had anyone at Navient be able to explain why they are not honoring the information I received on the federal webpage when I applied for IBR. I feel like they are trying to increase my balance and force me into default. I 'm sure this is a mistake on their part and they wo n't correct it.
Company sent me an email to XXXX telling me to contact their office for information related to a debt. I never received communication from them in the mail with information with regards to whom the original creditor is, the amount owed, and notification of my rights to dispute the debt.
Ability Recovery Services LLC is continually tarnishing my credit by reporting a " collection '' account to the credit bureaus which causes me adverse negative actions.

Ability Recovery Services LLC is attempting to collect a debt for XXXX XXXX from a name similar to my own. 

I have submitted FTC Identity Theft Affidavits to the CRAs years ago and they deleted the fraudulent Ability Recovery Services LLC collection back in the year XXXX. 

I have called Ability Recovery Services LLC back in XX/XX/XXXX and told them that I never done any business with the original creditor, never signed any contract. I also informed the debt collector that the debtor 's name is misspelled or similar to my name. 

It is now XX/XX/XXXX, Ability Recovery Services LLC has again continued to tarnish my credit by reporting a collection account to my XXXX  credit report with a {$1800.00} balance. 

Despite telling Ability Recovery Services LLC that this is a fraudulent account and despite having to waste my time getting the credit bureaus to remove this information, Ability Recovery Services LLC continues to harass me, tarnish my credit report negatively impacting my life and forces me to waste my precious time making complaints to the CFPB, calling the credit bureaus, faxing information to the credit burueas, ect.
I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want these removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of this fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 


I contacted Transunion through the CFPB with ALL THE INFORMATION needed according to the FCRA 2009 to furnish a block and received this which is violating the FCRA 2009 ( a ) After reviewing your complaint, we are unable to process your request because we were not able to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. TransUnion declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) TransUnion has reason to determine that you have requested the block in error ; b ) TransUnion has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) TransUnion has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue I repeat these accounts are a result of Identity theft and are fraudulent that is the nature of my dispute I will repeat once again to show my Federal Trade Commission identity theft report with the balances & creditor name.. along with my police report number, I did not request this block in error, I did not make a misrepresentation of information, and I did not receive anything from these FRAUDULENT ACCOUNTS. 
They were opened without my consent, as i am a college student and should not be going through this. 


I will once more supply TransUnion with the nessesary paperwork to remove these fraudulent accounts that are causing me lots of pain and in-convince as a college student.
I was a victim of identity theft and noticed a collection from HILLCREST DAVIDSON I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against HILLCREST DAVIDSON in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , Mo  XXXX  no signature and no contract
There is delayed that is being reported on my credit report appears to be inaccurate and misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.
I have stated multiple times that Navin t is not to contact me by phone at any time, including specifically being told not to contact my employer. A representative from Navient contacted a member of HR at my work and threatened them to turn over personal financial information about me. The HR rep was scared from the threatening tone of the representative. After that incident, I immediately told Navient that they are not to contact me at work. Today I got several blocked caller ID number calls at work and a threatening voicemail on my personal work line.
I have filled out loan modification paperwork with Ocwen Loan on numerous occasions, trying to get my mortgage modified. I am upside down on the mortgage and have been having problems making payments. Every time that I fill out the paperwork and send it in, they always send me a letter back stating that " IRS Form XXXX needs to be resent ''. I keep sending it back in, only to get a letter back stating I need to resend it again. Is this their way of not wanting to do a modification and think that after time, I will get tired of constantly sending this in?
A collection agency ( Enhanced Recovery, LLC ) added an incorrect collection item to all XXXX of my credit reports in XXXX of XXXX, dragging my score down XXXX points with each bureau. The collection is for XXXX, but I do not know what for. 

The opening date of the collection is listed as XXXX of XXXX. 

I have not had XXXX since XXXX of XXXX, when I switched to XXXX XXXX XXXX. The only account I have ever had with XXXX is a pre-paid phone. I never had a contract with them. 

I disputed the debt with all XXXX bureaus, which is notated on the account, but it was not removed. 

In XXXX of XXXX, I contacted Enhanced Recovery, and asked them to provide proof of the debt. I received a dunning notice, giving me XXXX days to dispute the validity of the debt, which I did. Enhanced Recovery received my debt validation letter via certified mail on XXXX XXXX. 

Now, nearly four months later, I have not received any response from Enhanced Recovery, and the false debt is still on all three of my credit reports.
After repeatedly calling Citi for 6 months trying to resolve my concerns, I submitted a complaint against Citibank in XXXX ( CFPB Case # XXXX ). In response to that complaint, XXXX XXXX, a Client Liason from the Executive Response Unit responded stating Citi would honor my request for XXXX Thank You points and that those points would be deposited in my account in 30 days. I had been paying a $ 30 monthly fee on my account waiting for Citi to award the points. I finally closed my account on XXXX XXXX in order to avoid any more fees. On XXXX XXXX, 2016, I called Citi to inquire about the points. I spoke with XXXX, a customer service agent and XXXX, a supervisor. XXXX informed me that there was no record of Citi 's letter stating they would give me the points and even going so far as to insinuate that I had created the letter myself in order to defraud Citi. A copy of the letter is posted on the CFPB website under my Case #. I have literally spent hours on the phone trying to take care of this matter myself. I am frustrated that it takes hours and intervention by the CFPB to get Citi to make good on their promises.
I have been trying since XXXX of 2015 to have this XXXX XXXX XXXX debt taken off my credit report. I first contacted portfolio Recover in XXXX via a credit company asking to have this debt removed because it was not mine. It is being reported on my credit report from this company twice for the same dept in the same amount. In XXXX I made XXXX attempts with a direct call to the company. I was told the XXXX time a Identity theft packet would be mailed to me. I received that packet, filled it out and returned it. A few weeks later after not hearing from them I called them. They said they did not get it. I was told to download one and fax it to them at XXXX. I did that twice. I call them back a XXXX later, they side that did not receive it. I faxed it again, called the next day and they still had not received it. I called them back again the following day hoping they received it but they still did not. I was told they would put it through their system again and send me out another packed to fill out an send in again. All my personal information is floating out there somewhere per there request. I am positive I will incur something negative on my report for their lack of business practices.
XXXX XXXXXXXX XXXX ( collection/charge-off ) claim ; this is a blatant error ... I settled this account before it went into collections, yet the bureaus insist on reporting it wrong ... I have contacted the creditor and the creditor concurred and said it is invalid and should not be on my report ... 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not  be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
I SOLD COMPUTERS TO SOMEONE AND FUNDS WERE SENT TO ME VIA GIFT XXXX PAYMENT METHOD ON XX/XX/XXXX. ON XX/XX/XXXX, THE BUYER INITIATED A CHARGE BACK VIA HIS FINANCIAL INSTITUTION ( AMEX ) AND THE FUNDS HAVE SINCE BEEN ( AND STILL ARE ) REMOVED FROM MY ACCOUNT. THE TOTAL AMOUNT IS {$17000.00} ON XX/XX/XXXX, THE PERSON WHO INITIATED THE CHARGE BACK LET ME KNOW THAT I IN-FACT HAVE WON THE CHARGE BACK FROM AMEX ( AMEX RULED THE CASE IN MY FAVOR - SEE ATTACHMENT ) I CALLED AMEX ABOUT A WEEK AFTERWARDS AND ASKED IF THEY HAD SENT THOSE FUNDS BACK TO XXXX AND THEY HAD TOLD ME THAT THEY HAD SENT THEM BACK TO XXXX ON THAT SAME DAY XX/XX/XXXX ( HOWEVER THEY REFUSED TO SUBMIT THAT TO ME IN WRITING ) I CALLED XXXX THEREAFTER AND ASKED THEM IF AMEX HAS SENT THEM BACK THE FUNDS YET AND OF COURSE NOT SURPRISINGLY THEY SAID AMEX DID NOT SEND THEM THE FUNDS BACK YET. THEY SAID THEY WOULD SUBMIT THAT TO ME IN WRITING HOWEVER NO EMAIL WAS EVER SENT TO ME. 

I HAVE DONE NOTHING WRONG HOWEVER I AM NEGATIVE {$17000.00} SINCE XX/XX/XXXX WITH NO RESOLUTION IN SIGHT. I HAVE COLLECTION AGENCIES CALLING ME ASKING HOW I PLAN TO GET MY XXXX ACCOUNT BACK TO A POSITIVE BALANCE. I REFUSE TO TRANSFER A SINGLE XXXX OF MY CASH INTO MY ACCOUNT TO RESOLVE THE NEGATIVE BALANCE WHEN I HAVE DONE ABSOLUTELY NOTHING WRONG. I AM ALSO SCARED THAT MY CREDIT SCORE, WHICH I HAVE SPENT YEARS POSITIVELY BUILDING UP, WILL SUFFER DUE TO THIS NONSENSE I DON'T KNOW WHO IS BEING DISHONEST IN THIS SCENARIO. DID AMEX TRULY SEND THE FUNDS TO XXXX, AND IS PAYPAL LYING? OR, DID XXXX TRULY NEVER RECIEVE THE FUNDS, AND IS AMEX LYING? 
ONE OF THESE TWO COMPANIES IS BEING DISTRUTHFUL AND THE END RESULT IS ONE OF THESE TWO COMPANIES NOW HAS A FREE, POSITIVE CASH FLOW OF {$17000.00} AT THE DIRECT EXPENSE OF ME.
I contacted midland funding in reference to this account. I requested validation for this account I never received it. I also have no contract with XXXX XXXX for this alleged debt. I called them and the representative stated that she could n't speak with me because this account was marked that I had a social security lawyer. I advised her I never said I had a social security lawyer. She refused to speak with me concerning my request for validation. I never received anything from XXXX XXXX in regards to this account. This was a XXXX XXXX account and the information that I received from XXXX XXXX does n't have XXXX XXXX anywhere on it. I did n't find out about this being on my credit file until I check to see what was on my report.
Capital One. I was told some time ago that they would lower my interest rate from something like 23 % to 20.15 %. They are charging me 20.4 % per XXXX a supervisor at Capital One. She says because the Federal Reserve Rate was increased. That should have no effect at all on my interest rate. I was told my interest rate was going to be 20.15 % for six months and now they need to go back and correct my account. There may be others as well that need to have their accounts adjusted. I never received a notice from Capital One stating that they were raising my interest rate. They have to tell me what my interest rate is under Federal Disclosure laws, they did not. This may be a class action lawsuit. Okay, so the Federal Reserve Rate is increased .25 %? They are already charging three times the Federal Reserve XXXX so the .25 % is better off in my pocket than it is in Capital One 's. Right now I have no money, have doctor 's appointments to make, and have to wait until the XXXX to get more money. I have attached statements showing my interest rate was 20.15 %. XXXX of the documents is awful looking, but you can see where they were adding interest to my account. At this time I had the card paid off by XXXX XXXX XXXX XXXX, where I get a much lower interest rate. Also, I am getting student loans now and they are about 4 %, I am trying to pay them off and just keep the cards for emergency only, and since the interest rate on this XXXX is higher than my XXXX Account, I will probably eliminate this card altogether.
My student loans with XXXX  were never in bankruptcy you cant file in student loans. My loans were forgiven due to me becoming totally XXXX  and XXXX XXXX in XX/XX/2007.
In XXXX XXXX, i happened to check my credit report and i realized that it had addresses that i have never lived on and several delinquent activities that i was unaware of. One activity claimed i had service with XXXX and did not pay my bill, so XXXX passed on that debt to debt collector " XXXX XXXX XXXX '' amount of {$1100.00} under sprint account number XXXX. I filled a claim with CFPB to XXXX XXXX XXXX with explanation that i had never had sprint services and my identity was compromised. After a few days of investigation account was recalled by sprint and closed on XXXX/XXXX/XXXX agreeing that it was fraudulent account. Few days later i got a debt collection notice from " XXXX XXXX '' with the same sprint account number and amount claiming its new collection notice, i filled a second dispute through CFPB and a few days later XXXX investigated the claim and ceased collection activities and returned the account to sprint. 
Today ( XXXX/XXXX/XXXX ) I received a collection notice ( see attached ) from ERC of the same sprint account number XXXX in amount {$1100.00}. I want to emphasize that this account is a result of ID theft and I have never had XXXX and never lived on XXXX XXXX XXXX # XXXX, XXXX, RI XXXX.
I have sent Experian 3 seperate letters challenging inaccurate information on my credit report. There is an account that is reporting a balance inaccuratly, XXXX XXXX XXXX, and we have attempted to contact this company directly but the address they published on my credit report is inaccurate. Experian claims to have " verified with creditor '' and I believe this to be false. How can Experian verify it when I 'm the proposed Debtor and the company has n't even verified with me. Unbelievable and does n't seem fair. I need help getting Experian to remove the negative balance on an account that should n't be reporting a balance in the first place. This is keeping my family from getting a new home and we are prepared to file a lawsuit against this company. Attached are the supporting documents for our claim. Thank you** Please see the last page on our credit report we have attached, It shows the address listed for XXXX XXXX and also see the returned letter sent to that address**
Our home mortgage was being serviced by Seterus. In XXXX 2016, we decided to refinance our mortgage.Prior to our closing date XXXX/XXXX/16, I contacted Seterus on several occasions to find out how much money was remaining in our escrow account, so that we would know what we could expect to receive back in the way of an escrow refund check after we closed and fully paid off the mortgage with Seterus. I was told that we would have {$4700.00} remaining in the escrow account. However, we instead received a check in the amount of {$2100.00} ( dated XXXX/XXXX/16 ) as our escrow account refund. When I called to inquire about this discrepancy, I was told that I must submit a request in writing requesting an explanation of the actual disbursement of funds from the escrow account, which I immediately did. I was sent a final escrow account disclosure statement, which showed the projected and actual payments to and from the escrow account. However, there is a large variation in the actual monthly payments to escrow. When I called again to attempt to get clarification on this matter, I was again told to submit a written request, which I did. After more than a month, I received a response from Seterus, which was a copy of my customer account activity statement. This statement is very unclear and confusing. I called Seterus and spoke to numerous representatives and supervisors, none of whom were able to clarify or make sense of this statement after spending numerous hours on the phone with them. Again, I was told to submit a written request to the correspondence department, even though my calls were to follow up on and clarify a previous response from the same correspondence department. I have sent this request on XXXX XXXX, 2016 and, to date, have only received confirmation from Seterus that they received my request, but nothing more to provide any additional information about the discrepancy between what I was told would be our escrow refund and the actual refund we received. This matter has been unresolved since XXXX 2016.
Denied credit. when reviewing credit report from XXXX found GLELSI/XXXX XXXX XXXX  XXXX indicating open balance of XXXX. XXXX XXXX XXXX XXXX, WI XXXX BYMAILONLY This account was fully paid off. XXXX dispute site non-functional.