WillisBack/dataset-financial-user-claim huggingface dataset:
I had tried to pay me credit cards off and found alot of deception in what was advertised and executed. Capital One has a department that is suppose to help customers bring their account current but they offer no help whatsoever. XXXX I tried to enrool in the service and XXXX they either cancelled the payments without me knowing or never took the payment causing for my account to get so behind in payment that my credit had XXXX late payments. Once again the department reached out to me because they would not allow this account to be included in a consolidation account and did not give the company a reason why this account could not be included to be paid off and the payments would be monitored. Even when I paif off the account the Account Manager refused to report the account paid.The account manager 's name is XXXX XXXX. I had to give my last payment to XXXX from that department.The specialty assistance department policy is to not charge any over the limit fees and past due fees but once you dont continue with them they will add the over the limit fees and past due charges. They also dont not age the accounts making it seem like the customer did not payoff the account and they will charge it off in a negative way. Now mine you that this is the department that s suppose to bring you up to current payments!!!!!
XXXX - Barclays issued a Master Card credit card under my name and sent it to my previous address ( 15yrs old ) ready for activation. I did not submit information or apply for this card.
I have no recollection of this collection.AD astra recovery. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help
Im writing yet again in hopes you can intervene to get US Bank to review our loan honestly and accurately, and keep a family in their home. Right now we are being reviewed but US Bank keeps losing our paperwork, and has been tracking our home for foreclosure while we are in active review. I was told that if we submitted the paperwork for a review 37 days before a sale date, we would get a fair review, and this has not happened. 

As I stated in my prior complaint, the issues started when due to health reasons I lost my job of ten years, at XXXX. My health continues to deteriorate. If I am fortunate I am able to walk with the help of a cane, and on the worst days Im in a wheelchair or else cant leave the house. I applied for federal XXXX, but during this time I started to fall behind on my mortgage payments. 

I attempted to contact US Bank to work something out until I could get back on my feet. It was, and is still a nightmare. I have to fax every form in three or four times. Every time I call in I speak to someone new. I have an application with them now, and just today was requested a form I have sent in twice. When I said I sent it in, the person checked put me on hold for thirty minutes and eventually found it! 

While my file is being reviewed, they assured me my home would not be sold. Imagine my shock when I came home and found another notice on my door that the home is going to be sold at the end of the month! I called and they told me that the sale was rescheduled for XX/XX/XXXX,  but I have already been told on three occasions that there wouldnt be a sale date scheduled until I had at least had my application properly reviewed.
Before making a transaction I checked my online account access to ensure that there were no pending charges and that they previous transactions had posted which it showed online that they did. When I checked back the next day several fees had been charged saying the account was overdrafted when it was not. I called the bank and even walked them through what their own system shows me on my online account access and they still have refused to credit me the funds back. When you take away the fees they charged the account would be in positive but the bank says " well how we account for things it was overdrafted '' even when the statement provided to me online contradicts what they say. SunTrust is the only bank I have ever had an issue with and am in the process of closing my account and moving to my other bank. They have done this several times.
I called Transunion Credit reporting agency on Thursday, XX/XX/XXXX. After being on hold for at least 15 minutes, I spoke with one of the Reps. about several Hard inquiries on my credit report that I do not recognize and appear to be UNAUTHORIZED. The Rep from Transunion told me that the inquiry was a " Statement of fact '' and that it could not be removed. I explained to them under the fair credit reporting act, they must verify each item I am disputing and if they cant, under the law, all inaccurate information must be removed. ANY. I was basically then told to have a nice day and the call ended. I am now filing a complaint with you to take swift action. I am requesting the following items be removed from my credit report as it is hurting my ability to maintain my true credit score and my ability to get credit that I deserve. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please make Transunion follow the law and make them remove these hard inquiries from my credit report. Thanks very much!!!
The servicer refuses to give information regarding the class action lawsuit against XXXX XXXX for XXXX colleges.
I've paid the full remaining balance toward my XXXX XXXX XXXX XXXX loan on XX/XX/XXXX with the amount of {$10000.00}. After payment was processed there was a remaining balance of {$780.00} showing on my online statement even though I paid the full amount that was shown on my statement as a balance ( see attached statement amount highlighted in yellow ). I contacted Navient and the agent initially stated that the {$780.00} was the interest accrued on the account, then I was transferred to a supervisor ( XXXX XXXX XXXX who stated that the online amount shown was wrong but she failed to provide me with appropriated documentation showing my balance before I paid {$10000.00}. The amount shown on the statement as of XX/XX/2018 was {$100000.00} but interest accrued and it came up to {$10000.00}. Also my last payment of {$10000.00} is not currently showing in my account, however payment was processed and money was taken from my XXXX XXXX XXXX account ( see attached statement )
I purchased a  XXXX   XXXX   XXXX  with my brother ( co-applicant ) through GMAC in  XXXX . We traded the  XXXX   XXXX  in for  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  XXXX  in My name only this time.That being said the  XXXX   XXXX  was paid off through  GMAC and  the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new ca r (   XXXX   XXXX   ) . Initial ly there were  XXXX  30 day lates,  XXXX  reported on  XXXX   XXXX  and the other in  XXXX   XXXX . I was advised to dispute it by GMAC because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed  XXXX  30 day late which was the  XXXX   XXXX . When I called back in I was given a different story all together. I was advised that the final payoff amount that  XXXX   XXXX   XXXX  sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have  XXXX   XXXX  of  XXXX   XXXX , MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called  XXXX   XXXX  and spoke with my  XXXX  person  XXXX   XXXX  and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a  XXXX   XXXX  @  XXXX   XXXX  who is over him. I called on several occasions and left several voicemail messages for a  XXXX   XXXX  @  XXXX  and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on  XXXX   XXXX ,  XXXX  so how can we have a 30 day late on our credit report for  XXXX   XXXX  &  XXXX   XXXX  and if that was truly the case why did they wait 6 months to report it? That 's why they removed the  XXXX   XXXX  late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither GMAC or  XXXX   XXXX  will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what GMAC 's response was or I really feel like they are n't even investigating the matter.
My name was forged on a contract with  XXXX  for a cell phone. I never agree to a two year contract and buy my own phones. A signature on the contract is n't mine. After several conversations locally and with their accounting department over a bill for early termination of {$160.00}. I offered {$50.00} to settle the account. I sent a check which clearly states " Full and final payment '' which they cashed.  XXXX  then sent the account to PiinnacleLLC, a collection agency. They have done nothing to collect the remaining {$110.00} except harass me by reporting me to the  XXXX  major credit bureaus each month fo r three years and three mo nths. The account is no longer collectable, the statute of laminations has expired aft er three yea rs. Please note also in the file I attached  XXXX  other collection agencies plus  Pinnacle  have called me. After each contact I explained to the  XXXX  others they dropped out and the account goes back to Pinnacle. Please look at the contract signatures plus my actual signature as an example.
Hallo : My name is XXXX XXXX the problem I am with this company Capital Account they reported that I had XXXX done in XX/XX/XXXX in XXXX, fla. And when I called them myself they said the original date was in XX/XX/XXXX it can't because I was having my own XXXX DONE IN XX/XX/XXXX TO XX/XX/XXXX I STILL HAVE THE XXXX that was XXXX AND XXXX  and paid BY HEALTH INSURANCE IN XXXX , N.Y. and I Did Not Travel anywhere because my oldest daughter XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX And she lived in XXXX , N. Y. And in XX/XX/XXXX I was going back and forth from XXXX to XXXX to family Court for my grandson all the way to XX/XX/XXXX. And after that I moved into my new apartment at XXXX XXXX XXXX XXXX XX/XX/XXXX and I got my Section 8 approved at the same time in XX/XX/XXXX. And I been taking care of lower back severe pain. I have the paper 's anything you will need. And I did have the father XXXX XXXX XXXX d.o.b. # XX/XX/XXXX who lives in XXXX, Florida he stole from my florida food stamp card he was using it and I was not awhere of this until I moved back to XXXX XXXX XXXX In XX/XX/XXXX and I went to apply in New York food stamp office they said I was collecting in florida so I had to give them his information and I had to show them I had nothing to do with it did and I finally won my case and was able to start receiving my new benefits. Capital Accounts # XXXX. I was able to get XXXX to help me with this item they were able to take out of my Credit Report and then I tried to get XXXX  credit report to help me and they were not able to help because Capital Accounts said it was mines and that was it!
Ive called and wrote Transunion To Remove These XXXX unauthorized credit inquiries I do not have no accounts with this company ever!!
I reviewed my credit report and I noticed that there was several collections on my credit profile in regards to medical bills. The company that was reporting in Merchants Credit Guide Co. therefore I called and asked if they could send me something and verify what services was i being billed for, and also if they could verify if they are in fact the collection agency assigned on Behalf of XXXX hospital never got verification I got a copy of a itemized statement. So i filed a dispute with the credit bueras and all of them stated that the charges were valid.I then contacted the hospital today and spoke with the billing department and for one Merchants Credit Guide is not a hired collection agency this is supposed to be collecting on their behalf. They informed me that XXXX is their collection agency and their ph # is XXXX also the amount that the billing dept stated that i owe was not the amount that this fraud agency was reporting and in fact the rep stated that I there was a oversight and that my secondary insurance was not billed therefore I own {$0.00}. The billing rep stated that she would send my out a statement of current charges and she stated that she would have to go back in a rebill my secondary insurance, however I told her to send me what they say I owe as of now. So i can have proof that this Merchants Credit Guide sent my a invoice that is not the correct amount, in addition to them not even being the collection company that is collecting on behalf of the Hospital. Please help me get these frauds off my credit report. The credit Bueras are not of any help and i have sent over countless dispute letters only for them to verify debt from a collection company that is not authorized to collect a debt in the first place
Back in the late XXXX 's, I had to file for Chapter XXXX and Chapter XXXX bankruptcy. 
Relief from my student loan obligations was denied. I was later contacted by ECMC and told that I had 3 days to pay off my $ XXXX balance that was in default or the amount would double. I had no money at the time and no resources to pay off the balance. How can the law allow any entity to do this? If I just filed for bankruptcy, and couldn't afford a single payment, it is evident that I could not pay off a balance of $ XXXX in 3 days! I did some research and reached out to XXXX  XXXX. They had a program that would allow me to consolidate my student loans providing I was able to make 3 consecutive monthly payments first. I was able to pull the money together and XXXX XXXX consolidated my loans with ECMC. What I didn't know at the time is that ECMC had increased my $ XXXX balance to $ XXXX and THEN sold them to XXXX XXXX. I have since paid over $ 120K ( over $ 600/month for over 17 years ). I still have an outstanding balance of $ XXXX. That's over $ 260K for $ XXXX of student loans! I believe that I have more than met my commitment in repaying the $ XXXX and I'm requesting assistance going after ECMC for doubling my initial loan amount ... ..which would be paid off by now. I further believe that ECMC has been allowed to engage in a VERY predatory practice. I can provide documentation upon request. Thank You for your consideration.
****** XXXX ***** Inquiry details Equifax Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX Equifax XXXX : Inquiry details XXXX XXXX, Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New
AFNI CALLED VARIOUS CELL PHONES AFTER CEASE AND DESIST IN VIOLATION OF YCPA, AND PULLED XXXX XXXX XXXX AND XXXX XXXX IN VIOLATION OF FCRA. FINALLY CALLED ALL MEMEBERS AT WORK WHERE THEY KEPT ASKING ME PERSONAL QUESTIONS IN VIOLATION OF DODD-FRANK ACT.
I applied for an American Express Platinum card on XXXX/XXXX/2016, with a bonus of XXXX points attached to the account. I tried to meet the spending requirement of this card by using it to make big upcoming purchases, such as airline fees, dental services, and prescription for my health issues at my local store ( e.g., XXXX XXXX ). I met all of the requirements, and the bonus posted on XXXX/XXXX/2016. However, my points got retracted on XXXX/XXXX/2016. When I called customer service to ask for the reason, I was informed that there was a " misuse '' of points and some purchases were not qualified for the minimum spending requirement. 
First of all, I do not understand what it means by " misusing '' points, as I have never used any single point in my account. Second of all, I am not exactly sure why American Express thought it was a good idea to post my bonus point 3 months ago ( which obviously indicated that I had met all of the requirements ) only to take back all of those points today. This is misleading to customers, and I think that American Express is doing this on purpose in order to bait customers into using their cards without having to give them any points. If some of my purchases were not qualified, then why would the bonus points got posted? If I had known that some of my purchases were not qualified, then I would have used my card more in order to meet the minimum spending requirement. 
I went overseas for a couple of months in the summer, and was not able to use the card. If I had known about this, I would have made more purchases before I left in order to receive the bonus.
Please pull the phone records for a conversation that took place approximately XX/XX/XXXX 2015 between myself and a Fedloan customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that Fedloan starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the Fedloan customer service agent on approximately XX/XX/XXXX 2015 I waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX  notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with Fedloan, and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with Fedloan! 45 late payments is malicious and has indescribably made my life a living hell. I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the XXXX XXXX solely due to Fedloan 's customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with Fedloan 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired XXXX XXXX which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all 3 reporting agencies against these Fedloan false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my Fedloan student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!
On XXXX/2017 I received a letter stating I owe {$110.00} for a medical debt. On XXXX/2017 I received another letter stating that my debt is delinquent and the amount is now {$110.00}. The original debt is {$59.00} that was cashed on XXXX/17 by the original company. Not only are they sending out letters but the amount of the debt continues to go up. I no longer owe on this debt.
Credit Reporting Agency is reporting an account that can not be validated. The collection agency has not provided validated information confirming the account belongs to me. I contacted XXXX XXXX XXXX and the young lady, XXXX advised she can not provide anything outside of an electronic signature. This is not enough to validate the debt. When I requested more information I was ignored.
XXXX, Experian and XXXX are reporting a Bankruptcy as a public record falsely. File date XX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.
I received a Notice to Foreclose on court house step for XXXX XXXX, XXXX. The notice is dated XXXX XXXX, XXXX from Brock & Scott PLLC. On XXXX XXXX, I sent a Dispute for the Foreclosure Notice requesting Brock & Scott PLLC to identity who they are, such as a holder in due course, a creditor, etc., and who authorized or gave them the authority to foreclosure along with a list of other questions I needed answered. Brock & Scott is a XXXX party debt collector and do n't have standing to foreclose. I asked for payoff information as well. On XXXX XXXX, XXXX, I received a copy of the security deed ( stamped original ) and a bad copy of the " Note '' and the accounting that I never asked for. None of the other questions were answered. Under the FDCPA it states foreclosures must be done in a judicial court. They are threating to sell my property on the courthouse steps on XXXX XXXX, XXXX. The lender listed on my paperwork is XXXX. XXXX did an assignment in XXXX to XXXX, but XXXX was bankrupt and no longer in existence in XXXX. How is that possible?
XX/XX/2018, Equifax is discriminating against my name. When I call they try to ask me twenty questions to verify my identity. I am a male and they think I am female due to my higher voice. I answer all their questions correctly and they just keep harassing me with more questions. I then ask to speak to the supervision and they do the same thing. I told them today I was reporting them to the cfpb-they didn't care. 

All I'm trying to is dispute something on my report.
According to EQUIFAX, XXXX XXXX XXXX said they had verified an outstanding credit of {$230.00} with XXXX XXXX XXXX XXXX. The debt is not my mine. I asked for a copy of a agreement with XXXX XXXX XXXX XXXX, bearing my signature, a copy of the XXXX XXXX agreement with XXXX XXXX XXXX granting right to collect on the alleged debt, and copy of XXXX XXXX XXXX state license as a debt collector. However, they will not provide proof of their claim.
I have written the companies as well as all XXXX bureaus to remove these inquiries off of my report. I did not give the companies that pulled my credit any type of permissions to do so. XXXX and Credit Plus have abused my report by pulling XXXX3 times in one week. Please see the attached document. I would like all of these hard inquiries taken off of my credit report. I have written letters to them to provide proof of my signing or requesting for their services and they have provided no information.