WillisBack/dataset-financial-user-claim huggingface dataset:
Approximately 1-2 years ago, XXXX claims to have sold their student loan division. However, I have been paying to two companies : XXXX ( a " loan servicer '' ) and Discover. I have asked both companies for proof of their relationship to XXXX to ensure that I am paying the right entity, and more importantly that I am not paying the same loan twice. I have not received a satisfactory explanation from either, and no documentation at all from Discover.
I went on to XXXX to see what a loan would cost me. They have a personalized payment calculator. At the time they were offering 0 % for 72 months. I entered in the calculator for a {$500.00} down payment. The calculator stated the car loan would be only XXXX a month for a XXXX XXXX When I went to dealership they stated cant offer that payment. I would have to do an additional XXXX down to get that payment amount. 

They offered me 0 % for about XXXX a month. I told them I would put a XXXX down but their final offer was a payment of XXXX with a 5 % interest for 72 months.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their comoany has on file that was used to verify the accounts I disputed. Being that they have gone [ ast the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verifed '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
XXXX XXXX is refusing to close our XXXX  account. Weve submitted a close account form and asked for a refund over a month ago. Service fees are now being charged. On XX/XX/18 I called customer service and they put me on hold and then hung up on me and did not close my account. Ive used every option I can think of but they continue to charge service fees and not refund the extra amount or close the account as submitted to them in writing.
After several emails and phone calls, Caliber home loans gave me a SPOC to speak to only 1 representative to get my account straight. The extension they gave me was XXXX and XXXX was my Singe point of contact,, After being disconnected twice, XXXX employee number XXXX answered the call.. He did not know of any XXXX working that day. I have asked numerous times how many payments did I make during XXXX XXXX. Simple question, but nobody will give me answer, because the loan was transferred several times. I was behind on payments and to avoid foreclosure, I paid in excess of {$62000.00} in XXXX 2016. According to Caliber I was XXXX payments behind, but I never received credit for the payments I made.
On   XXXX   XXXX    2017  I b ought a   XXXX   XXXX   XXXX   from a company named " from  XXXX  '' the order arrive 9 days later after being stuck in  XXXX  customs for a week. When the order arrived the box was damaged ripped from one side and inside instead of the   XXXX   XXXX   I ordered there were some supplement pills. I contacted the seller and they refused to refund or exchange or help in any way. They said there 's nothing they could do. I contacted capital one do file a dispute against the company however they decided on the sellers favor because their terms state theha rent responsible for lost or stolen packages or wrong items being shipped what is this ridiculousness?!?!?!?! The web site from  XXXX  is in  XXXX  and it 's hard to use it and very sneaky with their insurance process and policies they are basically hidden! Not only did I get re-billed but I also send the merchandise I received back to the seller so I got left with nothing! Cap ital one custo mer service was horrible as well! They took 95 days to get back at my and notify me I was missing document for my dispute!! 90 days is already the deadline for resolutions on disputes and last minute is when they were " trying '' to help.
I applied for a construction to permanent loan with XXXX XXXX in XX/XX/XXXX. With the builders contract, they required me to borrow more money than the contract to ensure the home 's completion. During the course of construction, the builder stole approximately the same amount of money which was over {$100000.00}, did n't complete the home, but XXXX XXXX closed the loan and made it a home mortgage loan ( not a construction loan ). The home was never completed and the builder sued for {$250000.00}. After two years of trials and arbitration, the builder lost but did not pay the award or legal fees. Home is still not completed. 
Before the suit started, I applied for a loan modification and was denied it because I had been paying my mortgage. When I could no longer pay for the legal fees and mortgage, I fell behind with my mortgage payments and was able to get into a loan modification program. It took over XXXX years and near the end of the process with XXXX XXXX ( I thought ), I paid over {$10000.00} in fees for the modification and after the last payment the loan was transferred to XXXX and then onto XXXX XXXX. I continued to work with XXXX XXXX on the modification for another year or so. On XX/XX/XXXX they approved the modification, and gave me XXXX hours to sign the documentation and return it to them. That same day my dad XXXX and was in the hospital. I did not check my email that day ( the notification for the modification was emailed ) because I spent the day in the hospital with my parents. The same day the loan was also sold to XXXX XXXX, effectively cancelling the modification. 
After some time, XXXX XXXX accepted the original terms of the loan modification. It is a XXXX yr loan with over {$300000.00} ( estimated ) in penalties added to the loan for time I was attempting to modify the loan. 
Last year the same loan was sold to Rushmore with the same conditions, although for many weeks it was unclear where I should send my mortgage payments, and I feared I was being set up again to fall behind in the payments. 
It is just very unfortunate that due to the predatory practices of XXXX, an unscrupulous builder that stole from the construction draws, XXXX XXXX continuing to issue the draws to the builder, and XXXX unwilling to help keep the loan from going underwater, I am now in a situation where I have a home I can not sell and a loan I will probably not be able to payoff in my lifetime. Added to this burden was the legal fees owed to save the house. 

Any help, assistance, advice, would be much appreciated.
I had XXXX student loans serviced by Citibank. I fell on hard times around XXXX. My situation got better and I was able to pay in full what I believed to be the full amount for the XXXX loans. That was an error by me. Zoom ahead to XX/XX/XXXX and my wife and I are looking to purchase our first house. Our credit score and down payments are in order. To my dismay XXXX loans are still showing a balance. I take responsibility for not realizing these were not included in the full amount that I paid in XX/XX/XXXX. However, when I tried to pay the remaining two loans I have been told that I can not pay on these because they have been charged off and that Citi is no longer collecting on them. Months later I get a XXXX in the mail regarding a cancelation of debt regarding these accounts. This seems accurate since the loans were charged off. However, now I am still being charged interest and the account is showing that these accounts are in collections and payments are now overdue. I call to fix this issue but am told that there is nothing that they can do as the loan has been charged off and they ca n't collect on it anymore. This does n't make sense because they are reporting that I am over due on my payments and it is open and in collection. I 'm simply trying to get this taken care of one way or the other in order for me and my family to purchase a house. I 'm not looking for any handouts but simply looking for accurate information and customer service agents who can provide accurate information or who are able to get me to people who have that information. This has been very frustrating in many different levels. I just do n't know what to do. Please help if you can. Thank you for your time.
Paypal signed me up for a Paypal Credit account without my knowledge. 

I found out when they did a hard hit on my credit report. 

I never authorized this and I do not need or want paypal credit. This is deceptive.
I was told by the company in question that when i paid the account in full that they would remove the derogatory account from my credit report with the 3 credit bureaus. I paid the account but they never removed the account from the three credit bureaus.
I found out that Equifax allowed for my personal identification information to be stolen. I have tried to place an alert on my account but they say they are unable to do this.
My partner has a credit card account with Bank of America. I am a authorized user on the account, which means that I have a card with the same number, and my partner receives the statement for the charges from both her and my credit card. One day we noticed fraudulent charges on the statement, so my partner cancelled the card and requested that new cards be delivered to XXXX us. These cards arrived in the mail and we each began using our new cards. I received a separate statement for my card. My partner called the bank to ask why I was receiving a separate statement. The customer service representative acknowledged the error and apologized, saying that the charges from my card would be transferred over to my partner 's statement, that I did not have to pay the bill, and that I would be issued a new card with the same number as my partner 's card. I did not pay the bill, and I never received the card. My partner called back to Bank of America requesting an explanation, and was told by a different customer service representative that the representative was not able to discuss my card. As it turns out, the card I had been sent as the replacement for my original authorized user card on my partner 's account was actually an updated card for an old Bank of America credit card account that I had not used for years. I had not requested an updated card for this account, and there had been no activity on this card since 2013. When I called Bank of America, the customer service representative told me that I had failed to pay the bill for that card -- which my partner had been told I did not have to pay -- but agreed, based on my explanation, to remove the late fee from the charges. I paid the bill. Later, I discovered that the bank had reported the late payment to the credit agencies, and my credit score decreased dramatically. I called the bank to try to remedy this, but they wrote me a letter stating that " no bank errors have been made concerning XXXX my ] payment record. Therefore, the delinquency on your credit report is valid and will not be removed. '' The initial customer service representative assured my partner that the bank had erred, that they apologized, that they would redirect the charges at issue to my partner 's account, and that I did not have to pay the bill. In light of this, to report a delinquency on my part to the credit agencies is certainly a bank error. It is grossly unfair and highly damaging to me.
XX/XX/XXXX :. I sent a check to Afni for XXXX for an account that was sent to collections by XXXX/XXXX. I got another letter for a bill for {$59.00}. I sent a check. Both checks cleared in XX/XX/XXXX. 
XX/XX/XXXX : I was trying to get service with XXXX. I was told that I had a past due balance of {$59.00} from XXXX. I sent cancelled checks from my bank showing proof that this account was paid in XX/XX/XXXX. I thought the issue was resolved because XXXX at XXXX investigated my account and informed me the payment was applied to another account. 
XX/XX/XXXX : I got a copy of my credit reports and there is a collection on my account from AFNI for {$59.00} from XX/XX/XXXX for a debt in XX/XX/XXXX. No one called me from this company or sent me a letter to let me know this account was in collections. I called spoke with XXXX and he attempted to mislead me saying the " check had bounced and that they had called me ''. Then he completely disregard my explanation and starting say " this is an attempt to collect a debt and ask me if I wanted to pay by check or credit card ''. I informed him that I will dispute this situation with the credit bureaus and I have. I also sent a copy of the cancelled check to AFNI at support recovery along with a copy of the my account to show that the checks cleared and I did n't have any NSF 's. This is an ongoing issue that is impacting my credit. I am upset with XXXX XXXX for not resolving the issue and AFNI for not giving me the chance to show proof of payment prior to putting this information on my credit report. Please help. BTW, my address has not changes in 5 years or my phone number and no one attempted to call me.
I received over XXXX phone calls from debt collector and with each phone I requested a written verification of what the debt was and how much the total was for. Each time I was assured that the notice would be sent, I verified they had the correct address to send me said written verification. I have never received anything in writing from them, only phone calls and at times harassing phone calls calling me " stupid '' and threatening legal action. The agent 's name was XXXX, and he called me in XXXX of 2015, he became abusive and aggressive when I told him I needed one more week to satisfy the " verbal '' agreement I made with XXXX in XXXX of 2015 to whom I made a {$200.00} payment. The agreement with XXXX that was again asked for in writing, and was never received, XXXX stated " there is no XXXX and you are stupid to think that anyone would make an agreement with you that is why you will never get anything writing, may you should have died in your accident to make this process easier ''. 
I also have paid {$700.00} to date on the account and was told that I had satisfied this account upon the last phone call from them in XXXX of 2015. I requested this account be removed from my credit report as satisfied I was told " thank you for the payment, and we will do this ''. I again requested that I receive a " paid in full '' statement from them, I was assured that it would be sent and yet again there was no written correspondence. This company does not send out notification of debt to collect, they will only call and then not honor any agreement that is entered in to, nor will they give a terms agreement in writing. They also hold accounts over that get payment on for several years or months to gain more interest to charge to the customer. I have been told by agencies who previously utilized them that " They never remove themselves from anyone credit report, they just wo n't do that ''.
one day, i get that letter i enclosed and for almost three years treasury along with dept of education and XXXX XXXX all colluted question when ones salary gets a levy on ones salary isnt a judicial signature at minimium a equirement? no these XXXX XXXX just steal my money i write XXXX and no one did XXXX till i found a loop hole and stated theyd stop stealing my money buut almosr three XXXX years, i want my cash back! what the XXXX country is this?
I applied for the Bank of America Alaska XXXX XXXX credit card but did not receive this card. Instead, I received the PLATINUM credit card WHICH I NEVER APPLIED FOR! Now I am stuck with this credit card with an annual fee I was never informed about. I researched this issue online and many other customers have fallen for the same scam by Bank of America. I have never had this issue with other banks or credit card companies. Bank of America needs to be punished for misleading customers and ruining their credit scores.
Hello. on XX/XX/XXXX I purchased 6 used computer Graphic cards in the total amount of {$1900.00} with my Citi credit card but when I received my cards I found one of them had a physical damage, I immediately contacted the seller, and she mentioned that they don't have a problem and offered me a {$100.00} refund, I trusted her and accepted the offer, after that I decided to check all of them and realized that none of them had out put signal, then I sent a message to the seller and wanted to return them but she didn't accept my request, I also took the graphic cards to a licensed computer shop and was told that their bios have been destroyed, therefore on XX/XX/XXXX I disputed the amount with Citi but they never resolved the problem, and the decision was in the Merchant 's favor without a reason.
this is  XXXX   XXXX  who used MoneyGram on-line service on  XXXX / XXXX / 2017  for the first time to transfer money in the amount of {$320.00} +  XXXX   ( f ee ) for the on-line purchase and found out that was scam. When I contacted th  e MoneyGram and was told that the money already picked up by receiver and they are not responsible for any causes, I was refer to the website link regarding to all potential fraud.
My concern is that MoneyGram should be compliance by provide that info before consumers press the " SENT '' or any verification process between the sender and receiver before the transaction finalized. By this method which will eliminates the fraud transactions made by the scam artist since they are continuing use this services    as a tool to take advantage of all citizens  like myself.
I sent a letter to all three credit bureaus to dispute a debt from Portfolio Recovery Associates on week of XXXX XXXX and PRA sent a letter on XXXX XXXX saying they bought the debt from XXXX XXXX. They did n't validate this debt because they said they got it electronically. I sent them a letter to fill out in order to validate this debt on the week on XXXX XXXX ; they fail to validate but they updated on my credit reports that the debt meets FCRA requirements. This collection agency even have my first and last name spelled wrong.
My personal information was leaked or stolen XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was XXXX I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.
I am a co-signer for XXXX student loans for my daughter approx. XXXX years ago. I have paid on them when my daughter was unemployed for a few months and when she was employed, she took it over along with her other student loans that I am not named on. She went back to school and received her XXXX degree and was under-employed for a year and could n't pay it. These were private XXXX XXXX loans that subsequently went to navient to collect. My daughter tried to negotiate a lower price so she could continue paying on the loans, but that was denied and late fees and harassment have followed. As of XX/XX/2014- they turned to me on the cosigned loans. I began paying them and found that the money I paid was going to whatever loan she had that was the furthest behind and therefore my credit started getting hit and I received notices from XXXX credit card companies cancelling them because of my newly destroyed credit rating. I am XXXX and have had excellent credit until Navient hit. I have looked at my account and found nothing that correlates with the payments I have made. In addition, the amount I owe on any given day changes drastically and what is on the internet account is something entirely different. I am living on social security that is not enough to pay my bills and my ability to pay all these different amounts they throw at me. Why is there no one who can help? I am going to make a payment in a few minutes that I have no idea where it will go. Can you please help with this? The XXXX XXXX XXXX was taken out for XXXX XXXX College in XXXX, Texas
I did not receive notice in the mail of my right to dispute this debt AND I did not receive any notice in the mail of an attempt by this company to collect a debt. The debt collection agency had an apartment number XXXX XXXX XXXX XXXX in my address thus making the address invalid/inaccurate. They claim to have sent me a letter but will not provide me any proof of a letter showing notice of collection of debt. I have called this agency on numerous occasions to try to get proof that they sent me a letter in the mail to no avail. Each time I speak with this office they are extremely rude, will not allow me to voice my concern and continuously speak over me and rush me off the phone. Today, XXXX XXXX XXXX I called this office and was told by a woman " I do not have time to dispute this debt with you, I have people in the office ''. I feel that I am being discriminated against and that this company is using unfair business tactics to damage my credit for no apparent reason. 

It is to be known that when I reviewed my credit report in XXXX XXXX and found this collection account listed unknowingly, I immediately called this business to find out what the account was in reference to and satisfied the account with full payment immediately. I then voiced my concern that I never received any type of letter about this debt or any other communication from this collection agency and then asked what address they had on file. I was told the address they had was XXXX XXXX XXXX Unit XXXX, I then told the person I was speaking with that address was inaccurate as there is no " Unit XXXX '' and then voiced my concern to that being the reason that I did not receive the letter.I live in a town house with no " Unit '' association but there are also apartments in my community so I am sure if the letter was delivered it was delivered to someone else. Nobody at this establishment will use ethical practices to realize they had the wrong address entered into the system and that I, the customer, is telling the truth that I never received notification. Once I told them of my address, they claimed to update their system and delete the " UNIT XXXX '' association off of my profile at the time when I paid the account in full. 

I have disputed this illegal, inaccurate, unethical and wrong information with all three credit bureaus to no avail. Each time I submit a dispute, XXXX XXXX XXXX, decides to reject my dispute of this account without researching their systems completely. If XXXX XXXX, can not review my phone call with them in XXXX XXXX to realize that they had my address wrong then they are discriminating against me and being extremely unethical. 

I have never had a collection account on my credit report and this is damaging to my life, my career & my well being and extremely upsetting that I could possibly have a derogatory account on my credit report for the next 7 years due to INACCURATE INFORMATION. Please help me.
Concerning my XXXX XXXX Line of Credit ( Acct. No. XXXX. ), Experian is presently reporting ( 2 ) instances of this account on my credit file. Experian is in violation of state and federal law in doing so. I demand that Experian delete BOTH  instances of XXXX XXXX Line of Credit ( Acct. No. XXXX ), in its entirety, from my credit report. Or, delete the > 30 day late payment reported for XX/XX/XXXX. Reporting XXXX XXXX Line of Credit ( Acct. No. XXXX. ) 2 times is unnecessary and is adversely impacting my credit score. Also, reporting the XX/XX/XXXX as late is also adversely impacting my credit. Please delete both instances of XXXX XXXX Line of Credit ( Acct. No. XXXX ) from my Experian credit report immediately.