WillisBack/dataset-financial-user-claim huggingface dataset:
ON XXXX/XXXX/XXXX I contacted South University online by requesting and paying the fee for an official transcript. After not receiving my transcript, I contacted South again via email on XXXX/XXXX/XXXX and an unofficial transcript was faxed to my requesting party with the promise of an official transcript being sent out the next morning. At XXXX XXXX/XXXX/XXXX, I received an email advising me that my transcript request could not be processed and that I needed to contact the included phone number. On XXXX/XXXX/XXXX, I contacted the number and was told that my debt had been sold to a collections agency by the name of XXXX XXXX XXXX and was given a number to contact. I completed my degree in XXXX. I have not heard from South since with the exception of receiving a check at the end of the last term. I have not received any phone calls or letters advising me of a balance and would not have expected to because the school was paid before I was and I did receive an excess check. Now my issue is that my employment is being held up because I ca n't get my official transcript. Also, if my debt was sold to XXXX XXXX XXXX, I no longer owe South University, I owe XXXX XXXX XXXX and at no point and time have I been contacted by them. So my official transcript should be sent to me.
I submitted disputes of errors on my credit report and included notarized drivers license and proof of residency to remove fraudulent address and unverified and inaccurate information showing on my credit report, namely Experian. The following has not been validated according to the fair credit reporting act 623 ( a ) ( 3 ). 

According to the FTC opinion letter, regarding the type of validation required by section 809 ( b ) of the Fair Debt Collection Practices Act, an itemized statement of services rendered, requires the information from the Original Creditor. Meaning the name of the original credit grantor as reflected in the K1 Segment in Metro 2 and should be consistent with the Credit Reporting Resource Guide., therefore provide me with the name, address and telephone numbers of anyone from the original creditor you contacted concerning the unverified and inaccurate accounts and addresses listed below per the FCRA 611 ( a ) ( 1 ) ( A ).
XXXX cra violation no knowledge was taking off years ago not coming back as debt collection sent police report violation of the cra to help consumer with this remove it XXXX and experian can not stop making mistakes its destroy my life
They set-up my account incorrectly because their branch staff member is incompetent ( XXXX in XXXX VA ). I asked to be opted out of their overdraft program and he opted me in instead ( probably on purpose as I imagine the branch gets a kick-back for all overdraft fees ). When I received the XXXX overdraft charge I went in and he supposedly corrected HIS error and reversed my charge. I assumed all was well then 3 weeks or so later I received {$500.00} in overdraft charges ... No one in their " corporate customer support '' office would help at all, said I had to go into the branch which I did. They acknowledged that the error was theirs but the branch manager claimed she had to get approval from someone over her. Two weeks go by and every time I call the branch to talk to her she is " busy '' and will call me back. Of course she never does. Once I get the " customer service '' people to call me they call her and she claims she never heard of me and never had the discussion.
I have tried three times to get the payment lates on my account removed however instead of investing each time all they do is change info on late and not remove. I have submitted two different investigations and neither are correct there for all the agency is doing is guessing and submitting to credit bureaus
Every month City of XXXX give me a check to pay for my services, the check is from their account at BBVA compass Bank, today I went to change my check # XXXX amount XXXX under my name XXXX XXXX and the cashier told me that there is a fee to do it because I dont have an account in this bank, XXXX dls fee for a Non-BBVA compass account holder check cash policy, when I ask for a tax receip they give me a flyer, obviosly i ask for a tax receip and they denied to give me one, and I cancel the transaction, Is legal to them to do this, charge you a fee and dont give you a tax receip?
The Debt collector Caine and Weiner contacted an emergency contact to get in contact with me. I do not feel that this was professional. The original debtor should have gave them all of the pertinent information to try and solve this issue.
Collection agency R.M.S. claims to represent XXXX. I have no record of any previous notification from XXXX that I owe them anything. I contacted XXXX twice and they confirmed they have no record on my account of me owing them anything or of them ever contacting R.M.S. for any collection against me.
On XXXX/XXXX/2015 I sent a letter to Central Financial Control informing them they were violating my rights afforded by FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as " OPEN '' and requested they correct their reporting. 
As of XXXX XXXX, 2015 I pulled my credit reports and Central Financial Control has not updated the status. 
This incorrect reporting is causing harm to my creditworthiness through several scoring models and needs to be removed. 
This was medical debt that should have been paid by insurance, that I did not receive any notice of until it showed on my credit report. I immediately contacted the company and paid the debt, yet it still continues to show as an open and active collection account with a {$0.00} balance.
My mortgage with HSBC was sold to XXXX and HSBC has reported that I have balances for defered interest and lender advances which I am not aware of. XXXX has said I have contact HSBC now HSBC is saying they sent all the info to XXXX. All want is a detailed in simple language who HSBC paid dates and amounts so I can check my bank records, because I pay Taxes and insurance myself.
I sent a letter in response to a letter I received by Transunion dated XX/XX/2018 related to the debt referenced XXXX XXXX XXXX and the inaccuracies on my Transunion credit report. I sent two requests for debt verification to XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/2018. I stated the basis of my initial dispute was due to multiple inaccuracies across all three credit bureaus such as the date ( s ) of last activity, payment history, and the status of the account. They were unable to verify  the alleged debt with proof of a consumer contract with my signature on it. I sent a third and final request on XX/XX/2018 to have the negative file removed from my credit report since they couldnt verify the debt. They failed to positively verify with sufficient proof my legal signature on the original contract ( s ) with XXXX XXXX XXXX since they are the reporting company listed on my credit report. 

On XX/XX/2018 my score was XXXX. On XX/XX/2018 my score increased to XXXX due to XXXX XXXX XXXX removing the item from my credit report. On XX/XX/2018 my score went back to XXXX due to XXXX XXXX XXXX adding information back on to my credit file which I believe to be in violation of my FCRA rights by adding and reporting negative and unverifiable information. I requested to have all information and accounts related to this alleged debt removed from my credit file immediately. When I check my report and score each week the negative information is still listed. XXXX XXXX XXXX refuses to remove the negative information and Transunion is not doing anything about it even though I submitted my proof that the alleged debt is not belonging to me.
My loans were originated thru Sallie Mae which I never had a problem with once Navient took over my loans its been less than a nightmare. Their customer service is the worst every time you call different information is provided and they keep changing programs without any notification. I was in an income driven program with payments over {$200.00} which was a bit difficult for me and my interest rate changed from 1 % back to a higher rate then when I needed to recertified for the program they state that the requirements changed and the best they can do for me was a payment over {$400.00} which I explained was a bit much for me. Once I asked to speak to a supervisor, the supervisor then stated the best he can do is {$280.00} a month which I explained was too high and he stated there was nothing more that could be done. What is the point of taking a financial statement when they are not setting the payment based on a persons finances. Navient is not willing to help and it is making my experience to pay off my loans a living XXXX. I currently still have a loan with Sallie Mae and its no problems and they are always willing to help. 
Navient needs to be shut down before they ruining more lives financially!
I am a victim of fraud and I have been trying to get the creditors listed below to the fraudulent accounts below, that I did not open. I have submitted a ; police report, FTC report and provided proper ID and these companies still refuse to remove the accounts out of my name. 

1. XXXX ( I DID NOT OPEN THIS ACCOUNT ) 2. SYNCB/WALMART ( I DID NOT OPEN THIS ACCOUNT ) 3. XXXX XXXX XXXX XXXX ( I DID NOT OPEN THIS ACCOUNT )
I reviewed my credit profile and I noticed that there are several items reporting that do not belong to me. These items are reporting either in error or as a result of identity theft. I have sent letters to the credit agencies informing them of this matter and they still have not corrected the matter.

The following items that are reporting in error : XXXX   Wireless Account ( result of identity theft ) There are late payments showing on XXXX XXXXr and XXXX XXXX ( I was never late on these accounts ) Names : XXXX  Addresses : XXXX XXXX, XXXX XXXX   There are unauthorized Inquiries reporting : XXXX ( 2 Times ) XXXX XXXX ( 4 times ) XXXX XXXX   XXXX XXXX XXXX XXXX ( 9 times ) XXXX XXXX XXXXXXXX XXXX XXXX  ( 2 times ) XXXX  ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 3 times ) XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX
I called in today to get the address and telephone number and each employee that I spoke to was very rude and transferred me to the wrong department. Because they new was filing a complaint against them. I did not try to report the employee 's because they are only going to run me around and not get the correct department,
Citifinacial received a default judgment against me in XXXX XXXX. In XXXX XXXX I settled the charged off account with Citifinancial. Since XXXX I have attempted to work Citifinancial and XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, SC office to get a Satisfaction of Judgment submitted to XXXX County Clerk of Court. Attached is a copy of the settlement offer and also a copy of the letter I received from Citifinancial showing the charged off account was satisfied. They refuse to submit the satisfaction of judgment information and this continues to negatively affect my credit standing and causes me to incur higher interest rates and fees or being outright denied credit. 

I am also submitting a complaint to the Consumer Financial Protection Bureau, XXXX, as well as seeking legal representation for damages caused by Citifinancials ' inaction. 

Judgment number with XXXX County : XXXX Account Number with Citifinancial as shown on credit report : XXXX
I leased a new XXXX XXXX from General Motors Financial Company , Inc. ( " GM Financial '' ), and they are continuing to deduct lease payments from my bank account even though, due to an accident, my car was declared a total loss and the lease was terminated. 

I leased my XXXX XXXX from GM Financial in XXXX. On XXXX XXXX, XXXX, I was in an accident. We notified our auto insurance carrier and our XXXX dealership of the accident that day, and GM Financial early the following week. My insurance company inspected the car on XXXX XXXX, XXXX, and declared it a total loss the same day. That same day, XXXX XXXX, XXXX, my wife again spoke with GM Financial. GM Financial knew about the accident, had spoken with my auto insurance company, and already were in the process of working with their gap insurance company to cover any portion of the resulting loss that would not be covered by my insurance carrier. 

Also on XXXX XXXX, XXXX, during that same phone call, GM Financial told my wife that we were responsible for the lease payment for XXXX XXXX because our auto insurance company declared a total loss after that payment already had been scheduled with my bank ( which we said was fine ). We were told there would be no additional lease payments. 

On XXXX XXXX, XXXX, GM Financial - without authorization - deducted another lease payment from my bank account. I attempted to contact GM Financial by phone on XXXX XXXX, XXXX to resolve this issue. They have a recording saying that due to a system upgrade it is impossible to speak with a customer service representative until XXXX XXXX, XXXX. I was unable to speak with a person or access my account electronically. On XXXX XXXX, XXXX, I also sent GM Financial private XXXX messages - their suggested message for contacting them until XXXX XXXX, XXXX - including a description of the problem, my name, my address, the date of the unauthorized payment, the exact amount of the unauthorized payment, and the last four digits of my social security number. On Monday, XXXX XXXX, XXXX, I received a response telling me that " we are unable to review your account. '' GM Financial has yet to resolve the situation or even contact me to discuss.
I have a XXXX loan dating from 2002. I pay {$380.00} per month. The loan was for {$52000.00}. I had one bad year financially and requested relief. They said fine and proceeded to charge me roughly {$6000.00} which was apparently added to the principal. After 14 years of payments, the principal is still {$43000.00}. Navient now has the loan. the loan is in my ex-wife 's name. I have always paid it. the student was my daughter.
THE COLLECTION ACCOUNT IS NOT MINES AND HAS BEEN DELETED BEFORE. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$4000.00} Original creditor : XXXX XXXX XXXX XXXX THE ACCOUNT BELOW IS NOT MINES AND IS MORE THAN 7 YEARS OLD. 

XXXX XXXX {$3000.00} In Collections/Charge-off THIS ACCOUNT BELOW I HAVE A XXXX. 

XXXX XXXX XXXX Closed : XX/XX/XXXX {$31000.00} Closed
I was a victim of fraud. A woman contacted me about buying cosmetics thru my site. She sent me a cashier 's check but stated that I was mistakenly sent the entire amount of her paycheck ( {$2400.00} ) instead of the cost of product ( {$580.00} ). She asked that I order the product for her & send the remaining balance ( {$1800.00} ) to her via XXXX or transfer. I received the cashiers check, it was from a valid credit union, and I deposited it into my account. The funds were made available immediately. The next day, I ordered the product and then did a XXXX to XXXX transfer of {$1800.00}. Yesterday, Bank of America reversed the check out of my account since it was found to be fraudulent. I filed a police report and requested the bank 's help in having the money funded back into my account since they cashed the check. I was told that due to my good standing relationship with the bank, they made the funds available immediately but when the check was found to be fake, they reversed the deposit. They will not refund my money because I was the one who deposited & then used the money in the account. I asked them how I was supposed to know the check was fraudulent when they cleared it and made the funds available. They told me to file a police report, go after the person that sent me the check and that there was nothing else they could do. They then proceeded to charge me overdraft fees! My account is currently in a negative state and I have no money to buy anything. I can not buy groceries for my family or gas for my car. I closed XXXX accounts with BofA and the online rep actually thanked me for being a valued client! I have filed a report with the XXXX Police Dept but have been told the likelihood of finding the criminal is slim. I do n't know what I will do but I want to make sure that Bank of America does not get to treat another " valued client '' in the same manner. There was no way that I could have known that check was fake. They told me that if I had n't used an ATM to deposit the check, it may have been caught! I get CHARGED a fee if I go inside to a rep since I have an Online banking account, so why would I bring a cashiers check into the bank, which was closed at the time anyway. I do n't know if I 'll get any resolution to this situation and I do n't know how I will get through the next 2 weeks before I am paid again but I do know that Bank of America acted just as criminal to me as the person that perpetrated the scam and I do n't want them to do this to anyone else.
I applied for the American Express Card XXXX XXXX 2015 and was promptly Denied the same day. I received there written response on XXXX XXXX 2015, and promptly called the American Express call center to ask them why i was denied there response was i had a verity of negative factors? including a ( XXXX ) fico Score. i believe that this is the result of the color of my skin, being Black and ( RED LINING BY ZIP CODE ) It ca n't be because of my credit rating i have qualified for Credit Cards at XXXX and XXXX XXXX Bank XXXX and XXXX XXXX Bank XXXX 's, look i would be quiet and not make a case if they were n't so disingenuous in there decision process, I make decent money so my question again, is are they back to RED LINING in there process of determining credit worthiness? as they have been known to do this in the past to XXXX applicants ...
I have opened multiple complaints passing over 20 since XXXX 2017 and all three Agencies were supposed to be updated and the same information via Experian. I had freezes taken on and off the accounts our accounts in error by these agencies and that these agencies failed to honor. Our credit scores are low even though w e have paid down accounts and made arrangements to reduce high interest. This was supposed to be a favorable work while still paying our creditors on time. My wifes name is still wrong even though corrected multiple times. We have been hacked and turned down by creditors because of this for over 11 months causing ever PERSONAL FINACIAL HARM. We have done everything right and are still getting XXXX. When will you do something about this?
collection agency had my phone number, but called my wifes phone multiple times on the same day. she attempted to speak with them, but they would n't reveal the purpose of their call and continued to ask her for information about me. after I called them and requested to file a dispute ( because the original charge from XXXX was not valid ), they indicated they corrected my number and would stop calling while in dispute. 5 hours later, they called my wifes phone again. when I called to complain, they said they had no record of the call, but did show my wifes number was attached to my account and could offer no assurance that system would stop dialing here. 

they only had the account for 4 days and had already called 5 times in one day ( the 5th time being after I talked to them ), and did n't even call the primary number
XXXX XXXX, 2015Walmart/Synchrony BankXXXX, GA XXXXRe : Credit Card ending in XXXXTo Whom It May Concern : This letter is in reference to an account held with your financial institution that has become delinquent due to financial distress and external factors. 

The purpose of this communication is to provide you, the creditor, with some insight as to the reasons why my account has been late. During the latter part of XXXX I became unemployed due to non-renewal of contract. Thus, my sources of reliable income diminished. Ultimately, this situation impacted my ability to pay my bills on time. 
As you review my payment records, you could certainly verify that I have tried to maintain a consistent payment history. It is very hard to work, be a student and a head of household of XXXX. 

Thinking about ways to solve my issues, I applied for unemployment benefits. Attached you will find a letter from the Virginia Department of Labor describing my ineligibility for benefits due to tax exemption regulation ( employer ). Obviously, this is something that I was unaware which indirectly affected my opportunities of solvency. Hence, the only source of relief had overtly disappeared. 

I tried to communicate with your institution via email, however this method was not accessible to me ( account had been locked/closed ). I am enclosing a payment for the current month. Perhaps there might be other alternatives to maintain a good standing with your financial institution. My ultimate desire is to get this matter resolved. I know my credit has been hurt by these situations. I hope we can make reasonable arrangements, for instance : remove all finance fees and late fees in order to move forward. 

Lastly, I would like to thank you for your time and attention. I look forward to your response. 

Regards, XXXX XXXXCc : File
I had store accounts with XXXX  and XXXX. At some point these companies started using XXXX XXXX  for to process credit purchases. I check my accounts online frequently and have never seen any unfamiliar activity. 

Synchrony sends emails each month notifying me of the payment due date and provides a link to view my bill and make a payment. I had NEVER been late with a payment and always paid in fulluntil XX/XX/2017. I wanted to pay early because I was moving. However, Synchrony would not allow me to log into either account so I could see the bills/balances and make a payment. Since I was moving at the time, I had no internet service for approximately two weeks. 

Apparently they have been charging me late fees since they will havent been allowing me to log in! Yesterday I called to get answers. First I sat through nearly 5 minutes of recorded messages and push this for that recordings. When I finally got to a live person I was transferred FOUR ( 4 ) times, sitting on hold between each transfer. At one point, I asked for a paper statement to be mailed to me and they refused. Each time my identity was verified, but I never received answers to my questions. Frustrated, I finally hung up. 

I called back and paid off the XXXX XXXX card for the amount they said I owe. I have no idea if that was the correct amount. Today I will do the same with the XXXX card, again having no idea if the bill is correct or not. 

At this point, I would like Synchrony to just close every account that I may have with them. My credit score is and always has been excellent and I do not want to jeopardize that with their lousy customer service practices. Ill stick to XXXX or XXXX for my credit needs.