WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I file a disputed claim with my prepaid card XXXX XXXX   dispute case ID # XXXX  for the amount of {$1800.00} there was 12 transactions not authorize by me I follow every step I need to and after 15 days of opening my dispute I got letter on the mail that my dispute was denied for controversial information, well I call them and ask them if they can send me a copy of documents they used to denied my dispute and they say yes we will send it to you but they never did I request it twice and they wont send it then I appeal the decision and they denied again so I call them everyday trying to get information why they denied my dispute they wont give me the reasons or papers they use to make there desision thank you
XXXX collection showed up on all XXXX of my credit reports from Portfolio Recovery Associates on XXXX/XXXX/2015 in the amount of {$490.00}. It says that the original debt is from XXXX. I have never had any type of account with XXXX nor do I have any charged off accounts on my credit report from them or XXXX who they said later on was the original creditor. I tried disputing the debt with them directly asking for validity which they never did send me. I never got a duinnig letter saying I had the right to dispute the debt nor have I recieved any info on the validity of this debt and proof that it is mine, When I didnt get a response from them i disputed this with all XXXX CRAs and they said that PRA validated the debt. I filed a XXXX complaint stating my issues and they gave a generic answer to them saying that I needed to send a copy of my credit report to the agency for review. 
Now I am filing a complaint with the CFPB asking for help. Not only did I not recieve any type of dunning letter telling me of my right to dispute, I have asked for them to validate this debt with proof that it is mine and they have refused to do it for the last 5 months. They are also reporting the collection as a factoring account with monthly payment history on my report and not in the collection section as required by the FCRA. There have been multiple violations of the fcra by portfolio. I am just wanting the account removed from my report as it is not a valid account and they will not send me any documentation proving otherwise
I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XXXX 2016. Despite this fraud alert an individual at Citizen 's One Bank was trying to secure an auto loan for a 2016 XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX # XXXX ). As is standard when authorizing a hard pull the individual at Citizen 's One Bank accepted an inbound, not outbound, call and spoke to the criminal using my identity. This violates the fraud alert and compromises my identity and safety even further. The individual 's name was XXXX at Citizen 's One Bank and his direct phone number was XXXX ext XXXX XXXX XXXX # XXXX XXXX. This employee of Citizen 's One Bank acted negligently and Citizen 's One Bank needs to immediately work with XXXX and have this inquiry on my credit removed. I 've filed an additional police report with local law enforcement.
Notice and Demand for Payment  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , FLORIDA  XXXX  BANK OF AMERICA  XXXX   XXXX   XXXX   XXXX , TEXAS  XXXX   XXXX / XXXX /  XXXX   VIA : Certified Mail #  XXXX  Re :  XXXX  CREDIT REPORT #  XXXX  (  13 ) UNAUTHORIZED INQUIRIE ( S ) Consider this notice that you have 30 days to respond point by point and with validation exactly according to the points in the attached validation letter or this stands as evidence in law that no   debt is due to you.     Further, as a Consumer and since BANK OF AMERICA did not have my consent or authorization to view my personal property, your actions were intentional, harmed and injured my person to the value of the debt that is invalidated on my persons credit report, the {$1000.00} fine value for the FDCPA violation and the {$1000.00} fine value for the FCRA violation. That makes the total due upon receipt of {$1000.00}. A notice of lien will be recorded against any and all assets both personal and business to recoup this amount due upon receipt, {$1000.00}.         BY :  XXXX   XXXX   XXXX  XXXX  XXXX
I have contacted Navient regarding my student loan, while I was in school I was being contacted regarding my student loan was late and required attention. At this time I have been in school for almost 6 months and they were reporting that my student loan was late. It should 've been deferred because of my full time status in school. When I spoke to the rep, he stated that it was a mistake and the school did n't notify them of my full time status. He explained the process saying the school should have sent my status to the government loans and it would 've been automatically deferred. He decided to remove the late payment from my credit report. When I checked my credit report, it was not removed and it shows that I have 12 late payments on XXXX and 11 late payments on XXXX which is incorrect. I contacted them again, and the new reps said that I do n't have any late payments recorded on my account. I asked them again to ensure that I had no late payments and it was reflected incorrectly, they stated that in their system I do n't have any late payments. I then waited one month to see if the late payments would be removed from my account, and it has been past one month and the late payments are still showing. This is ruining my credit score totally as it shows that I 've been late recently on my student loans, and I have not. I have tried twice to contact customer service, and they were unable to see what I am speaking about but its reflecting on my credit report. This information will be noted on my account once sent to Navient.
State of GA placed a tax lien of for {$650.00} with a filing date of XXXX XXXX, XXXX stemming back to XXXX tax year Lien shows as paid in XXXX XXXX, XXXX I made several payments before and after this, my payments were applied to the wrong year Reference # XXXX was listed on my credit report
On XXXX XXXX, XXXX, we paid our XXXX phone billed and cancelled our service with XXXX. We switched to XXXX XXXX, who provided us with new phones upon trade in of our old phones. In XXXX of XXXX, we got a bill via email from XXXX that we owed {$360.00} that we declined to pay because we had cancelled our service with XXXX and paid our last bill. 

In XXXX XXXX, after receiving two missed calls and making two attempts to contact XXXX unsuccessfully, I later received a bill from XXXX in XXXX that we owed {$790.00}. There was no invoice attached or statement of phone usage ( because there was none ), but only a sheet of paper with the words in bold red letters : " ... .here 's your bill for this month. '' I 've written XXXX twice trying to get an explanation of why they insist I now owe them {$790.00}, since I cancelled service last XXXX. Since then, I 've received two collection letters from two different collection companies. The latest one is now stating that we owe {$860.00} And they have also put this on my credit report. 

I have a feeling that we are not the only ones XXXX has done this to.
on Saturday, XXXX XXXX, 2016, I called Conns at XXXX and advised the person who answer ( no name ) that I had become unemployed and was unable to make the payments. She asked me when I would like the merchandise to be picked up. I asked if Conns had a lien on the merchandise, such as a UCC filing. She advised that she did n't know. I told her that before I went any further, I wanted to consult with my attorney. Immediately after I said Attorney, the original phone person dropped from the line and I was then speaking with XXXX XXXX. I advised XXXX XXXX that I was unable to make the payments due to unemployment. I then asked what the terms were on my account, more specifically, the interest rate. He said that because I was late, the original 0 % was gone and interest had accrued from the original date of purchase. I asked again, at what interest rate. He said something like {$700.00}. I said, this is not a interest rate, I need to know what my interest rate is. He said 21. I said 21 what? he said 21 %. I said 21 % per what period. He was unwilling or unable to answer this question, only to say I would have to pay all the interest. Again I asked, At what rate. XXXX XXXX said XXXX. I asked " 27 % per what? '' attempting to find out the terms. XXXX XXXX again said " 27 % ''. To which I asked " 27 % per what, per month, per year, per day? XXXX XXXX, you can not just say a number without a time frame. Interest is calculated over time. Am I paying 27 % per month or per year? ". Again he only said " XXXX ''. I then asked him what the APR is. He said " your interest rate is 27 % ''. I replied with " that was not my question. What is the APR I am paying to Conns. He again said " XXXX ''. I asked " XXXX per what ''. He then said " XXXX XXXX, your interest charges are going be be at least {$700.00}. ". Again I asked " at what rate ''. Finally it was clear that XXXX XXXX and Conns was acting in bad faith and not wanting to disclose my APR to me. I still have no idea what the rate is that they are requiring me to pay. The conversation ended with XXXX XXXX indicating that Conns wanted to come pick up the appliances. I ask again if they had a lien on the appliances. XXXX XXXX became very curt at this point. I told him that I thought I should talk to an attorney before continuing the conversation. At that point he demanded payment and offered to post date a check. I advised XXXX XXXX that I no longer felt comfortable in speaking with him and ended the call. I simply want to know if Conns has a lien on the property and what my interest rates are, as the did not provide this information at the time of the purchase. I need this information to present to my attorney for a possible bankruptcy filing, which I disclosed to XXXX XXXX. This is a nightmare. Conns calls my cell phone all day and night, but is unwilling to tell me the terms so I can decide how to move forward. Thank you for the help and sorry about the long rant. - RN
XXXXXXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for credit cards and communication accounts ; these applications resulted in fraudulent inquiries that are now listed on his credit reports. After efforts were made to notify official each of the account providers of the fraudulent applications the account providers still list the fraudulent information on the credit reports despite the issue being related to identity theft. One of the bank already provided a clearance letter confirming the issue was fraudulent and confirming they would remove the data however the information is still being reported to the XXXX credit report ; this is a violation of FCRA.
In  XXXX  of  2016  I  XXXX   XXXX  notified  XXXX , TRANSUNION, and   XXXX   they are reporting inaccurate information about me. This notification was sent via United States Postal Service. Despite being properly notified and having documentation presented to support my claims.  XXXX ,  XXXX , &  XXXX  refuses to perform proper investigation and remove the inaccurate accounts from my credit report in which companies have admitted they have no record of the account or are debt collectors.
I was not living in Arizona during the dates reported. I have requested verification of debt and detailed bill, with my signature and insurance information and have not received any.
I am writing regarding inaccurate information being reported on my XXXX Credit Report by Credit Acceptance Corporation located in XXXX, MI. My auto loan account with this company was included in a Chapter XXXX Bankruptcy, which was filed XX/XX/2016 and discharged XX/XX/2016. Upon reviewing my XXXX credit report after the bankruptcy discharge, I noticed that the company reported I " failed to pay '' XX/XX/XXXX. My account was paid and never late prior to the bankruptcy filing. Additionally, I continued to make payments after the date of bankruptcy filing date. In the end, the vehicle was included in the bankruptcy. 

I have filed multiple disputes with the XXXX Credit Agency regarding Credit Acceptance 's derogatory information, which included my bank statements verifying that I have never made a late, only to have the company respond to the dispute confirming that the " failure to pay '' is accurate. 

The negative " failure to pay '' that is being reflected on my XXXX Credit Report is causing my credit score to have nearly a XXXX point difference than the other XXXX credit reporting agencies. This is a significant difference and has impacted my ability to rebuild credit after my bankruptcy. The substantial difference is a red flag to potential creditors.
I went onto XXXX to buy some XXXX XXXX game tickets. I found a guy to buy them at the price I could afford. HE agreed. I had been texting with him and also talked to him on the phone before sending the money. I used Money Gram to send the money, and he is n't sending the tickets. I 'm out {$300.00} and {$11.00} for the Money Gram fee. I would like help in making sure this does n't happen to someone else.
Asked XXXX to defer XXXX payments, was told I needed to bring my account up to date before they would
I bought a computer from XXXX. It was suppose to arrive on XXXX XXXX, 2016. However, when i came home that day, a box was in front of my door step and it was empty. Called XXXX immediately and was transferred to a higher customer department, and was then told that i should dispute the charge with my bank as they would n't be able to refund me back through their system and there seems to be a mistake made by the shipping department. I disputed the charge with my bank and told everything that happened. On XXXX XXXX, the dispute was closed in favor of XXXX as they provided the tracking number and a valid statement that said the shipping carrier delivered it to me and was signed by me. However, I do n't recall ever signing it. I called my bank but they were unable to help me make an appeal or anything but just suggested me to speak to XXXX. I spoke a executive from XXXX and was able to get some help, but in regards to my money, the executive told me that it 's highly unlikely that they can do anything other than speak to XXXX and find out more information about this issue..
I obtain a loan for {$2500.00} through a pre-approved offer in the mail from mariner finance. When i tried to make a payment, I was informed to go online to make my payment. I went online and made 2 payments 1 for {$96.00} and another for {$500.00}. When setting up the payments to be debited from my checking account, I inadvertently added an extra digit to my checking account numbers thus the payments did not go through for incorrect account number. I was contacted by Mariner Finance and realized the mistake and corrected it immediately and made a payment of {$96.00} which was debited from my checking on XX/XX/18. I then sent a check in the mail to the branch in XXXX XXXX, MD where my account is held for a {$1500.00}. On XX/XX/XXXX I check my account online and noticed I had a late charge for {$29.00} even though I see the {$1500.00} was credited to my account. When i called to inquire about the late charge the representative I spoke with informed me that my account was coded as not to accept checks because of the 2 items that did not go through because of the wrong account number and even after the other charge was debited from my account onXX/XX/18 ; it their policy that i must come into their office and pay cash or by money order. This is unacceptable as a consumer that I should be inconvenience or pay extra to send a payment to each month to Mariner when they already received a payment from my account with the corrected account number.
is Company is not who I applied for the loan through. Not only that I had over XXXX calls once I applied. Each one representing that I had applied with their Company. I have never heard of the supposed original Company. I have never received anything in writing pertaining to this debt. I had phone calls from numerous Companies trying to collect on this same debt. It is financial XXXX.
I have now contacted capital one 4x to close my company 's credit card account. I contacted them in  XX/XX/XXXX  after our balance was paid in full. I contacted them again in  XX/XX/XXXX  and  XX/XX/XXXX  after the account was still showing open. They are now charging us yearly membership fees, interest and late fees and refuse to close our account.
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This card has NOT been used since  XX/XX/XXXX , balance was paid in full and we asked account to be closed.
CREDIT ACCEPTANCE WAS PAID OVER {$10000.00} BY MY CAR INSURANCE AND CAR WARRANTY COMPANIES IN XX/XX/2018 REDUCING MY AUTOMOBILE LOAN AMOUNT OWED FROM {$11000.00} TO {$1900.00} OWED. CREDIT ACCEPTANCE HAS REDPONDED TO 3 CREDIT BUREAU DISPUTES TO XXXX, XXXX, AND XXXX AS THE {$11000.00} BALANCE OWED AS CORRECT AS OF XX/XX/2018 WHEN THE CORRECT BALANCE AS OF XX/XX/2018 IS {$1700.00}. CREDIT ACCEPTANCE IS INTENTIONALLY RESPONDING TO CREDIT BUREAU DISPUTES INCORRECTLY. CREDIT ACCEPTANCE HAS REFUSED TO CORRECT THE ERRONEOUSLY REPORTED BALANCE OF {$11000.00} TO THE CORRECT BALANCE OF {$1700.00} AS OF XX/XX/2018. I HAVE DOCUMENTATION DATED XX/XX/2018 FROM CREDIT ACCEPTANCE THAT STATES THEY WERE PAID BY MY INSURANCE AND CAR WARRANTY COMPANIES IN XX/XX/2018 AND THE REMAINING BALANCE OF {$1900.00} IS TO BE PAID IN MONTHLY {$200.00} PAYMENTS WHICH HAVE REDUCED MY CREDIT ACCEPTANCE BALANCE PRESENTLY AS {$1700.00} WHICH CREDIT ACCEPTANCE REFUSES TO CORRECTLY REPORT TO XXXX, EXXXX, AND XXXX.
I have called XXXX several times. My health insurance paid a bill that is on my report as collection. XXXX does not seem to care and this is reflecting a job offer. XXXX XXXX XXXX, XXXX ignored letters from my XXXX XXXX Insurance requesting additional information. XXXX has on file the amount of times they notified XXXX XXXX XXXX. I called XXXX several times and one time to tell her that I drove down to XXXX XXXX XXXX to obtain copies of the visits to send XXXX. I then let XXXX know that XXXX has everything they need and will process and pay the claims. XXXX ignored my communication and sent it to collection. XXXX XXXX XXXX refused to refill my prescriptions until I paid the invoices. XXXX has paid them and they have cashed the checks. XXXX has said several times that she reversed the collection. Each time I call the collection agency they state no one from the office will confirm. Meanwhile this is on all my credit reports when in fact I am owed money.
I received a letter from debt collection agency that I owe Macy 's $ XXXXI contacted Macy 's and found out that they did not have my address and phone number. 
When I created the Macy 's credit card, I provided all the information. 
Yet the information is never entered. They encourage customers to open a credit card account to receive discounts. 
They told me to wait for the bill since the balance will be different because of the discount. 
I never received and soon forgot the bill. 
Initially the balance was {$99.00} and now it is ballooned to $ XXXXIf I had been notified, I would have done something. 
What is interesting is the debt collection agency knows my address. 
I wonder why Macy 's did not send anything.
I currently have my mortgage with Chase. I divorced back in 2011 and applied for an assumption to remove my ex wifes name. It was part of the divorce decree and my ex executed a quitclaim on said property. 

Chase denied my recent application for assumption citing that the modification had a XXXX year clause before any changes could be made to my exisiting loan. Upon reviewing the loan modification, which I have attached, I do not see where I had agreed or was aware of any such restriction. 

By order of the court/divorce decree in 2011, I called Chase and advised of my situation and looking for the best possible solution to resolve this matter. Chase send us the loan application to remove her name from the loan XXXX Assumption XXXX. Our bank loan processor was negligent in keeping us apprised our loan progress. After several attempts and weeks, we received a confirmation of a loan modification. Upon submission, our loan processor assured us that we could do both a modification and removal of her name in XXXX process. 
Upon receiving the confirmation paperwork, the only thing that was done was a modification AND Chase DID NOT removed my ex wifes name. This was the whole reason for us approaching Chase. We are very frustrated and are on the verge of losing our home because of incompetence and lack of good customer service on behalf of Chase Bank. 

As things stand right now, we are in contempt of court and will lose our home due to a technicality that I do not see in the mod paperwork. 

I am not a banker or expert on loans. I relied on my loan processors/customer service rep to guide me through this process. 

I have been trying to get a straight, smart intelligent answer to what I am trying to accomplish with my mortgage. My loan payments have been on time. 

Thank you kindly for your consideration.
Following My Chapter XXXX bankruptcy discharge on XXXX XXXX, 2015, in which Ocwen was included, Ocwen started reporting to the credit bureaus that my loan was reaffirmed and reported balances, in violation of the fair reporting act. Attached are XXXX different credit bureaus reports. 
XXXX - shows Open, Balance & Reaffirmation of Debt ( XXXX payments made on time ) XXXX - Closed, shows Payments, Balance and Reaffirmation of Debt ( 12 payments made on time ) XXXX - shows Open, Payments, Balance and ( 13 payments made on time ) XXXX - shows discharged, Never Late, account paid as agreed ( missing history )
Prestige Financial is set up on auto draft. Every month on the XXXX, they debit {$440.00} from my account. On Friday ( XX/XX/XXXX ) they attempted to take the regular payment, but there were no funds available. They sent me a text on XX/XX/XXXX at XXXX XXXX  CST telling me the payment did not go through. I texted them back on yesterday morning, XX/XX/XXXX saying thanks for letting me know and I will make the payment on Friday ( XX/XX/XXXX ). No response from Prestige. Today, XX/XX/XXXX, they tried to run the payment again and it did not go through, as I knew it wouldn't. This is why I specifically said Friday in my text back to them. Their attempt to charge this amount again resulted in 2 overdraft fees on my account. 1 for Prestige ( {$30.00} ) and 1 for XXXX ( {$40.00} ) because of a {$10.00} charge that couldn't clear because of the overdraft from Prestige. 

I asked if I could pay them the monthly {$440.00} minus the {$30.00} ( although I should have asked for {$70.00} for both fees ) and was told that the person can't authorize that. I was also told that the draft is automatic and once it returns it automatically resubmits. I then asked for the terms of that in writing. I was told ( via text ) that they don't have any official documentation that they can send me regarding that. 

This is illegal and I would like to have all my fees refunded to me promptly.
Equifax is reporting a late payment on XXXX credit card. That entire payment was for fraudulent activity, which was removed from my account by XXXX. Should not be reported as late, not my activity.
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Discover Bank Date : XX/XX/2018