WillisBack/dataset-financial-user-claim huggingface dataset:
I recently obtained a copy of my credit report from Experian, and discovered that XXXX XXXX claims to have charged off an installment loan of mine. The date on the report that the account was opened ins XXXX/XXXX/2006. The account number on the report is : XXXX. 
The report indicates that it was a 60 month loan but there is no amount listed for the loan. 
I have never signed any documents with XXXX XXXX, and have not failed to pay any installment loan on time for any creditor. I want this error removed from my credit report.
I definitely understand the importance of good credit and being a responsible person. During the year 2017, I experienced some health problems that caused me to missed several days, even weeks of work. That lead to getting behind on bills and payments. I contacted XXXX to explain the situation. After several months of treatments and doctors, I am able to get my situation back on track. All I asked for in the GoodWill  letter that I faxed to them was to excuse 4 late payments, since out of the 2 years prior I had not been late and now the last 4 months been current or before time. I am the only one employed in our household and everything falls to my shoulders.
Experian 's policy states that " Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first XXXX missed in the series. If the account was never brought current and charged off and placed for collection, the entire account will be deleted based on the date the account became late. '' I had a student loan which became late XXXX XXXX, XXXX. It has since been charged off. Given experian 's policies this account should have been removed from my credit report in XXXX. However, Experian refuses as of this time, XXXX XXXX, to follow the law and its own policies and will not remove this account.
I Received my credit report showing a inquiry from XXXX/LOWES on XX/XX/XXXX & XXXX on XX/XX/XXXX that I applied for a credit card. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I do not have any means of applying for any credit cards as I can not afford any more debt. I did not give this company permission to run my credit for any means necessary.The item is inaccurate, misleading, or incomplete, may have violated federal law.
I am complaining about an XXXX XXXX  Mastercard In XX/XX/XXXX I was charged {$69.00} without my permission for a service I did not ask for. 
I immediately contacted the credit card and informed them. They cancelled the card and sent out another with a new number, and they said that they would initiate a dispute. 
Two months went by and I was not contacted at all by phone or by mail despite them having assured me that I would be, so in late XX/XX/XXXX I called them again to inquire about the progress of the dispute. 
At first the representative said that they saw no evidence that a dispute had been initiated but after I insisted on speaking to a manager they found the dispute and said that no one had begun to work on it yet but that it would be initiated at that moment. They said to call back in two weeks. When I asked them for some type of confirmation number for proof that the dispute has indeed been initiated they said that they have NO confirmation number, but that I would be receiving a letter from them within ten ( 10 ) days confirming the dispute. 

Today, XX/XX/XXXX I called back again to check and see what's going on because I had not yet received any letter about the dispute. 
At first I was told once again by the representative that they could not see where a dispute had been initiated, so after requesting to speak to a manager they were finally able to see the dispute.

They said ( once again ) that they would be sending a letter about it's progress and that I would receive it within ten days. 
They also said that I DON'T have to make payments on the disputed amount while it's under dispute, but that on the credit card 's website it might show as late payments when the due date, which is the XX/XX/XXXX of every month, passes, but that I should not worry about it because they would " take care of it ''. 
Why can't they freeze the payments so that during the dispute they don't get reported as late like EVERY OTHER competent credit card company does?? 
Their inability to see the dispute at first every time I call makes them appear very incompetent and is to me a reason for concern, as I have IMPECABLE credit that can easily be verified. 
Since they HAVE NOT sent me any letters pertaining to this dispute as they promised more than once that they would the only document that I have to upload is a " Summary Of Account Activity '' that shows as the balance the disputed amount
My information has been compromised as a result of the XXXX security breach. I have pulled my reports and have been unsuccessful with removing fraudulent inquiries listed on my credit report with submitted documents.
This account pertains to a line of credit opened with Pentagon Credit Union in XXXX of 2017. I maintained positive payment history and paid towards this line of credit on time every month up until filing for a Chapter XXXX case on XX/XX/2017. The filing of the Chapter XXXX placed this account in my case which did not allow me to pay outside of the plan. In review of my credit report I found that Pentagon Credit Union reported this account in a negative reporting status under failing to make a payment. This is inaccurate reporting as I did not fail to make a payment but was in an active Chapter XXXX case with the United States Bankruptcy. Per FCRA the date of delinquency is not accurate as this balance was included in my Chapter XXXX Bankruptcy case. The status of this account has been reporting delinquent when in fact this account should have been reporting paid as agreed every month due to the Chapter XXXX Bankruptcy laws. Under the FCRA, both the credit reporting company and the information provider that provides information about my credit are responsible for correcting inaccurate incomplete information on my report.
I have XXXX satisfied judgments reporting on my transunion credit report. I have been disputing this wrong informaiton for months now and getting nowhere. They have been removed as they should have been from XXXX and XXXX however transunion just keeps updating the wrong information and will not remove it. My first issue is that XXXX NEVER had XXXX judgments. It was only XXXX judgment and as I mentioned earlier it has been satisfied. This was years ago. Having XXXX judgements reporting on my credit report is affecting my credit score and causing a hardship in obtaining substantial credit. I 've called transunion and submitted over the phone as well that I am disputing this information and it has been confirmed to remove off my report. Last week I received a letter from transunion that the information is reporting correctly. This is completely untrue. I called again and explained that they have been removed from the other XXXX credit reporting agency 's I was told they do not work together. That 's not the answer. I am furious at the fact that there so called investigation is complete. These XXXX items ( which is really only XXXX ) should be deleted from my credit report.
This is a emergency, I have been trying to make payment on my loan since XX/XX/XXXX, USBank said loan was turned over to foreclosure, and they gave me a lawyer name, they did Not have the account, they did not receive the account until XX/XX/XXXX, they mailed a letter on XX/XX/XXXX, I have since been calling to pay, and now they have sold the loan, bank bought it!!! I have been trying to pay this and it has been a nightmare, now they have a real estate company trying to sell my property, also from the time the attorney recieved the foreclosure to the sell was less than 45 days. I need help saving my son 's home! We mailed documents for the bank to mail info to my house, and to call me.
I have been fighting this loan process since 2012. These loans were handed off from AES to NCT and I have been fighting with AES and they tell me to go to NCT. So here we are. I ca n't understand how you can keep someone in default for over 4 years and this is acceptable. I have been paying as agreed and I want to get out of default. You have ruined my credit and continue to do so and make no efforts to settle this debt. Per the terms of the agreement the loans can reach default but it does n't state it must remain in default once it is placed there. Or that you ca n't get out of default. Read section I of the agreement. I 'm not here to ask for a XXXX balance. I 'm asking to get out of default so these loans can get paid off. You have ruined my credit long enough. I live in XXXX, my loans were serviced out of XXXX and they are sitting in XXXX. Someone somewhere in some state says this is wrong.
Trans world Systems Inc call nonstop from numerous different numbers several times a day, both robot calls and human callers. They never leave a message, when spoken with they refuse to give any info just want me to pay them I do n't know if I even owe as they refuse to send any info to validate. They threaten legal action w the courts, wage garnishment and use bullying tactics to get me to give my personal SS & DOB but refuse to give me any proof I owe any money.
on XX/XX/2018 i got notification of a credit inquiry from a company named XXXX   i never heard of them or have I done any business with them.
On XX/XX/XXXX, I submitted a complaint about Nationstar to the CFPB because Nationstar increased my PMI and monthly impound payments by almost {$300.00} per month and could not explain it. They sent erroneous impound statements and could not explain them. The CFPB case number was XXXX ( their XX/XX/XXXX response is in that file, so you already have all the documentation needed ). Nationstar finally responded on XX/XX/XXXX. THANK YOU CFPB! Your presence gave them a reason to care that they actually DID overcharge me by OVER {$2500.00} per year for FHAMIP. However, during the waiting period for them to respond, I kept trying to figure out HOW my impound was short and why I would be forced to pay the escrow " cushion '' since we had JUST REFINANCED with PLENTY of impound money. What I discovered was that they paid {$1400.00} XXXX for my annual homeowners/hazard insurance. I called and was on the phone for XXXX hours on a XXXX call with Nationstar and my insurance company because they could not explain why the escrow statements showed it paid XXXX. Nationstar paid it once in XXXX, then once in XXXX ; however, my insurance company, XXXX, only showed it paid once in XXXX. We learned that Nationstar sent the XXXX payment to some semi-related insurance company in Florida. Then we got on a XXXX call with the Florida insurance company and got the refund check processing started. So the WHAT IS THE NEW COMPLAINT? Nationstar 's XX/XX/XXXX CFPB response adjusted for the incorrect FHAMIP, but they are still charging me a higher monthly payment for a " cushion '' because they think I will be short by {$1000.00} in XX/XX/XXXX when the next insurance premium is due. They over paid my insurance by {$1400.00} and did not account for it in their response or calculations, and now I am somehow short by {$1000.00}??? Coincidence? I think not. PLEASE get them to FIX their mistake and stop overcharging me because THEY CAN NOT DO THEIR JOBS!!! This is nuts! Who else are they doing this to?
I disputed to the credit bureau the reasons why  XXXX   XXXX   XXXX  located in  XXXX   XXXX , MN should not be on my credit bureau. I sent this  XXXX  of  2016, It has been a year yet I have not received any feedback but yet this is still on my c redit report!
The company was Coastal Financial Solutions who continued to call. I initially did n't recall the debt ; however, after a few minutes of research on my bank statements, I found verification. I made two honest payments on my account, which I stopped making due to financial constraints. 

There was claim by Coastal Financial Solutions that they had made numerous attempts to contact me, which I never recalled receiving. We took the payments off autopay and genuinely forgot about the debt. 

On XXXX XXXX, 2016, I received several consecutive calls from a person representing Coastal Financial Solutions, who DID NOT state that this was an attempt to collect a debt and all information would be used for the purpose. He also stated that if it was n't resolved then it could be considered a felony and possible jail time. I was then transferred to the supervisor who said the same thing. Then the call was disconnected. I have received no correspondence from XXXX, nor have I received any correspondence from Coastal Financial Solutions. I have n't received any summons to court or any legal documents. 

When asked to receive correspondence by mail, they refused, when the law states they must send written correspondence within 5 days. They considered my request a refusal to pay. They said that my lack of recollection was considered a refusal to pay. 

After a few minutes of researching bank statements, I recalled that I did, in fact, take out the loan and I am responsible for it. I called them back and spoke to the same supervisor, who said he would send a settlement agreement of approximately {$790.00} by XXXX on XXXX XXXX, 2016 through e-mail.
I paid this debt once I had cancelled my service. Once this went into collections with XXXX I disputed it and asked them to send me anything showing what I owe. They never did and instead sent me a letter saying they could not validate the debt and would remove from all credit bureaus. Two months later another collection agency popped up on my credit with the same debt saying I owe them. I contacted them immediately requesting proof and they never sent it. This should not belong on my credit and I am trying to buy a house and it is affecting my score. These companies should not be able to keep hassling you even after they ca n't prove a debt. When does it stop?
I received a call from a XXXX XXXX stating that I took out a payday loan in 2011 in the amount of {$840.00}. They wanted to know if I wanted to settle today for a lesser amount. I asked who the payday lender was and they said it was " Insight Capitol ''. I have NEVER applied for a payday loan with this company. I told them this and they said if I wanted to dispute the case, I could but I would be " buried '' in legal fees. I told them that I am definitely disputing it, and then she hung up on me.
XXXX XXXX repossessed my XXXX  XXXX without warning or any attempts to resolve payment problems. The individual that took the car did so in the middle of the night, dening me any opportunity to remove personal belongings before taking the car.When I called to request my property be returned the owner said i had to pay him a fee to have my belongings brought to me and that I was not allowed on the lot to get my property.
Ok so I've been having lots of issues with citizens bank, I switched from one bank to them, since then I had to have new debit card after card issued because of fraud charges on my account, after a bunch of this happening I called them yet again 3 separate times on this one occasion in which I told them to block all purchases on my account and lock the account so nothing more could be done on my account, and was told they would investigate it all, in return no investigation was ever done by them, and they left the account actively going, they allowed charges after charges to try to be made on the account so they could rack up over draft fees and returned payment fees late fees and monthly service fees on my account, they kept sending me and still do send me threatening letters in the mail that I have to pay for it, I sent in a complaint to the credit bureau and it was investigated and the credit bureau agreed it was fraudulent charges on my account, they removed that account off of my credit report, yet citizens bank is still sending me threatening letters and have reported me to the XXXX and are now blocking me from opening an account with someone else, yet I tested to see if I could open a new account with citizens bank and yet I can, just they are blocking me from banking with someone else.
Hello to whom may read this, I have been working on Quality Recovery Service collection company for approximately 2 years and I requested for an removal from my XXXX credit report which debt has been paid in full. The date collection was filed on was XX/XX/XXXX, updated status is paid and full as of XX/XX/XXXX in the full amount of {$4200.00} balance is now at XXXX ( XXXX ). I have also submitted attachments far as explaining the account has been paid in full. I have worked with XXXX XXXX as well to help me remove this collection and they have challenged this collection for a year ( exact date XX/XX/XXXX ). I have made my payments for deletion and nothing has been removed. Please with your help to seek the satisfaction of removing from XXXX credit report ( see attachment )
I was contacted by a company who claimed to be consolidating my student loans. This company claimed to be working on my loans which were previously handled by XXXX XXXX and transferred to XXXX. To my knowledge it was explained to me that they were handling the consolidation as a third party through XXXX. This company was the XXXX of XXXX separate companies claiming to consolidate my student loans. They scammed me out of {$510.00}. The Name of the company is National Budget Planners.
Transunion took 85 points off of my credit scores for no reason all, this has been. Recurring issue
On XX/XX/2018 I placed an order with XXXX   for three football ( soccer ) shirts ( jerseys ) for an order totalling {$300.00} including shipping. Two of the three shirts were shipped promptly and my credit card was charged a different amount of {$280.00}. Upon checking their website after receipt of the two jerseys, I learned that the third jersey I had ordered was backordered. At the beginning of XX/XX/XXXX, after waiting several weeks for delivery, I cancelled the backordered item on their website and requested a refund of {$98.00} for the item that was never shipped. 

During XX/XX/XXXX I tried three more times to inquire as to the status of my refund through the merchants website but received no responses from them. 

I then initiated a billing dispute with my card issuer USBank on XX/XX/XXXX requesting a partial refund of {$90.00} which is 92 % of the disputed item quoted cost of {$98.00} The 92 % refund request was based upon proration of the amount billed of {$280.00} divided by the {$300.00} amount quoted by the vendor. 

Despite providing significant supporting documentation ( copies attached ) US Bank refused to provide the partial refund of {$90.00} for the soccer jersey that was never delivered.
Midland Funding has neglected to properly validate an account they are reporting to the credit bureaus in my name. They are reporting a past due balance owed to them in amount of {$1200.00}. I have sent them XXXX certified letters for which I have signatures showing receipt to get them to properly validate the account and show that I have contractual obligation to pay them and anything bearing my signature. This account appears to be well beyond the SOL.
XXXX XXXX XXXX. Email them from there website to stop call me at XXXX for a collection that my husband owns them XXXX. I told them on Monday, XX/XX/, that I would pay it on Friday,XX/XX/XXXX. and of course, they contacted me again. the day was not over for them to call me again. I Personally feel that I was being harassed by the company because my husband owning them money.
I did in fact witness a wrongful attempt to collect funds in the amount of {$9000.00} on XXXX XXXX 2016. The Original creditor of this dispute is XXXX XXXX XXXX XXXX XXXX, which have been turned over to recent collection agency by the name of I.Q.Data International , Inc. Furthermore, I have never lived or signed a lease agreement in the state of California. This is simply a mistake or failure to identify the proper debtor.
I am being over charged a copayment of XXXX dollars when it should be XXXX dollars. After multiple calls i did giving my correct copayment assistance card I keep getting billed the higher amount and I am being threatened with collection because of someones error at XXXX XXXX pharmacy.
I do not owe this debt, company continues to attempt to collect, they are not bonded in Texas, and can not collect this debt.
I contacted Experian about XXXX XXXX incorrect balance XX/XX/XXXX. They sent me correspondence on XXXX/XXXX/2015 and said that XXXX had been updated the balance reflected a XXXX balance, the balance is XXXX and XXXX XXXX balances remain the same. If they investigated why would they send me back incorrect balances? XXXX XXXX balances are XXXX XXXX, XXXX XXXX, XXXX. Please have them investigate these balances and report correctly. The information they sent me is completely wrong. if they did the investigation they would know that these are all wrong. They should be fined for not reporting correct info on a consumer report.
I have previously submitted a certified on XXXX XXXX, XXXX letter which was received and signed for on XXXX XXXX, XXXX requesting that a dispute be initiated for a XXXX XXXX Bank XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process XXXX XXXX Bank XXXX XXXX account was verified and still displays information which is inaccurate, incomplete or erroneous. 
The following is a list of inaccurate, incomplete or erroneous information still contained in XXXX XXXX Bank XXXX XXXX. 
1. The account was opened on XXXX/XXXX/XXXX however the account displays no account information in XXXX and from XXXX, XXXX and no information in XXXX. 
The account also lists no balance or past due balance or charge off amount.