WillisBack/dataset-financial-user-claim huggingface dataset:
I mailed a dispute to experian regarding XXXX XXXX loans being reported on my credit report. XXXX should not be reporting any information due to no longer being the furnished of those loans. Also they are reporting incomplete payment history for the loans. They did not have 2 years worth of history from when the loans were opened. Under fcra the law states complete and accurate information has to be reported to credit bureas. OR if it is not has to be removed. After filing the dispute with experian, I waited XXXX days for a result. Never received anything. I tried to file another dispute and received a message those items were verified and I would have to dispute with sallie mae directly. So I called XXXX and was advised that XXXX had no information since the loans were transferred to another office and could n't find any information in my name also stated they were never notified by experian of any information. I called experian and spoke to XXXX from team XXXX. After citing my writes under fcra, XXXX advised that I was absolutely right, also stated experian did not verify anything with XXXX, did not receive my dispute. But normally does not contact the creditor anyway regarding disputes just posts whatever creditor wants them to report. I advised XXXX I was going to complain to the federal trade commission and consumer finance and sue experian, XXXX advised he was disputing items again and notation I was proficient in fcra law and certain experian would now remove those items. XXXX then asked if there was anything else I wanted to dispute. I answered yes I have a credit card which the credit status was incorrect and I had disputed. XXXX checked and advised they received that dispute and that information had been corrected. I advised the XXXX loans and credit card dispute were filed on the same dispute I originally filed. XXXX stated he would file a complaint must have been a computer error. I am filing a complaint also with the federal trade commission against experian for breaking fcra laws and admitting to do so, I want the XXXX XXXX accounts removed they should n't be on my report, if not I will be hiring a consumer law lawyer and sue them.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company Name : Company : XXXX XXXX Account Number : XXXX Company : XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX bankruptcy discharged Case Number : XXXX Please remove the fraudulent inquires listed below : Company : XXXX XXXX BANK Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX SERVICES XXXX Date:XX/XX/XXXX XXXX : XXXX Date:XX/XX/XXXX XXXX : XXXX OWNER Date : XX/XX/XXXX Account Name : XXXX XXXX BANK XXXX Date:XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Please remove fraudulent addresses:XXXX  XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX XXXX, XXXX, GA XXXX
I have an auto loan with USAA which has fallen behind due to my husband and I having separated which AI made USAA aware of. Well I am currently pregnant and I lost my job in XXXX and it caused my auto loan payment to fall behind. I called USAA the DAY I lost my job and spoke to someone about being unemployed and I asked them I have Debt Protection for my auto loan payments while I am unemployed, They said NO although I knew I had opted inf or it. So it fell behind. In XXXX, while reviewing my account statements, I realized that debt protection payments were indeed coming out of my account so i called them back and asked why I am paying for a service that I can not use and they advised me that I actually could so that representative I spoke with gave me wrong information. So they retro paid XXXX payment. I was then told be a debt protection agent that in order to keep my benefit going I would need to submit information confirming that I am still receiving unemployment, which I was. So I submitted that info and allowed time to review and pay. I checked my statement in XXXX to find that I was two payments behind and whn I called debt protection they advised me that USAA customer service has cancelled my debt protection. I called customer service trying to find out how and why when I still qualified for the service in the first place. I was advised it was cancelled due to delinquency, which makes no sense because it is only delinquent now because it was supposed to be paid by USAA. I have had disputes put in, talked to like 3 or 4 reps and still have had no resolve, all the while all these late marks remain on my credit that I am desperately working to rebuild, my car note is still unpaid and while I have a new job I have bills to catch up on all while expecting a new baby and I am still owed two months of Debt Protection payments which would bring my account current. USAA used to be a great institution but recently their service and business practice has been TERRIBLE from every single angle.
I have made attempts after attempts to get midland funding and XXXX XXXX XXXX off my credit report. It make no sense I have sent proof and as a consumer my rights is taken away ... these buresus should be ashamed for letting a company do this ... i have been challenged these inaccuracies for months even after I sent in proof nothing has happen.How can a person send in proof and they so nothing to an account..sad is what these companies is.Two companies can not collect on the same debt and I have sent proof many times.
On  XX/XX/XXXX , I received interest deferred promotion for 18 months from Barclaycard  XXXX   XXXX  for purchasing an  XXXX  laptop for {$1300.00}. The practice of the company is to apply any payment over the minimum amount to the highest charged interest balances unti l 2 b illing cycles before the expiration of the deferred promotion, effectively preventing the consumer from paying a reasonable portion each month to pay down the balance. I received a letter from Barclays reminding me that my deferred interest was expiring and the balance that would be subject to interest was {$1300.00}, although my remaining deferred balance was {$1300.00}. After I received that letter, I made two payments equally {$820.00}, one dated  XX/XX/XXXX  for {$550.00} and one dated  XX/XX/XXXX  for {$270.00}. My plan was to pay {$270.00} on  XX/XX/XXXX  and the remaining balance ( approximately {$270.00}  ) b efore  XX/XX/XXXX . On  XX/XX/XXXX  I reviewed my most recent statement online and discovered that neither payment had been applied to the expiring deferred balance. I immediately called and spoke first with an agent and then to her manager,  XXXX . The agent told me I should have made the payments 2 days later and they would have counted towards my balance, however, now that the payments were made there was no way for them to put them towards by deferred balance.  XXXX  was apologetic but adamant that because the payments had posted there was no way to apply them to my deferred balance. In no correspondence did Barclaycard state that payments needed to be made after  XX/XX/XXXX , the letter simply said that payments needed to be made in order to avoid the application of finance charges dating back to the original purchase date. After much back and forth, she said she could try to push off the huge interest charge for a mo nth ( {$380.00} ) but that I  still needed to pay {$1300.00} " as quickly as possible '' which I guess meant before the next billing statement  XXXX .
For over a year, I 've been getting a call every 2 months from Navient saying that my loans are past due. the first time I called with concern because my loans have always been auto payed to them. how can I be past due when they keep taking my money every month?! after being transfered to mulitple departments they finally " find the issue '' we set up a new payment schedule and I think we are all set, but they call the next month or so with the same song and dance. I 've tried to resolve this issue many times. I 've been patient with them but my patients are running thin. they are now calling my retired parents saying that I am not paying my loans and that they are going to send me to collections. I 'm getting multiple calls a day, sometimes every hour. they are harassing me. my loans are getting hit with additional fees and interest and when I call them to explain my issue they treat me like I 'm wrong and trying to avoid paying them.
On XX/XX/XXXX, I forwarded {$300.00} to an online retailer via Western Union ( transaction number XXXX ). After not receiving the product, and any further correspondence from the retailer, I filed a fraud complaint with my bank. My bank issued me a temporary credit in the amount of {$300.00} while they investigated the charges. After completing their investigation, my bank reversed the temporary credit and funded the transaction on XX/XX/XXXX. They advised me to file a fruad complaint with Western Union and I did. 

After speaking with a customer service representative from Western Union, I was given a fruad file number and told that upon receiving the fraud complaint from my bank, Western Union issued me a refund on XX/XX/2018 in the amount of {$300.00}. I then placed Western Union on a conference call with my bank and they restated that they issued a refund back to my bank on XX/XX/XXXX for {$300.00}. 

Using that information, my bank reinserted the claim for further review and on XX/XX/XXXX denied it again. They stated that they have no record of Western Union issuing me a refund. So I called Western Union with this information and CSA # XXXX confirmed that they issued my bank a refund in the amount of {$300.00} on XX/XX/XXXX. When I asked for a transaction ID number for the refund, I was told that the refund would have the same transaction ID as the initial charge. They said that the refund was awaiting acceptance from my bank. I asked if I could place Western Union on another conference call with my bank. I was then told by Western Union that the initial transaction was processed and paid out to the online merchant on XX/XX/XXXX therefore they can not issue me a refund. I asked them to explain how were they able to inform me and my bank about the refund taking place on XX/XX/XXXX and now tell me there wouldnt be a refund. The CSA offered no explanation. Instead I was told to contact my local law enforcement.
I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX & Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX I know the court  system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX & Experian back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.
My ex husband removed bonds from a joint safety deposit box. He cashed in bonds that were in mine and my children 's name at Bank of America. I had the US treasury do a search and I have copies of the bonds the signature on the bonds is my ex-husband 's name. From what I understand on the US treasury and B of A management, nobody but the people named on the bond are supposed cash them. My ex-husband stole my children 's and my bonds cash them with his signature and Bank of America processed it.
I always pay early, I'm never late. I sent my payment of XXXX to Pacific union financial by check, on XX/XX/XXXX. And a check for XXXX to go towards ecrow  because I was told u was short. I received a letter saying my escrow was XXXX negative, so my new payment would be XXXX unless i could pay the XXXX. So I cancelled the check for XXXX and sent another check for XXXX to make the rest of the XXXX payment XXXX. I specifically wrote on each check, ''   housepayment for XXXX  " and on the XXXX check, I wrote " the rest of housepayment for XXXX " I wasn't contacted until XX/XX/XXXX a Saturday, 1 day before the grace period is up, and told u owe XXXX. They say that i paid XXXX towards the housepayment and XXXX was still short.I explained myself and was told they put it in suspension. So I called my bank.the bank only stopped payment on the XXXX check ( check # XXXX ) and that both other checks have cleared, and been deposited into XXXX XXXX Pacific union financials account. A different person called me and said my account was not allowing them to cash the check, and that I need to call my bank. I told her I have, and she got hateful.her name is XXXX. I was called this morning ( XX/XX/18 ) and spoke with XXXX .she says the e-mail XXXX sent to her superiors was rejected and that I owe XXXX. My credit score is a XXXX.I 've worked very hard on it. I'm affraid they're going to claim a late payment and put it on my credit.please help me with this!! I'm currently refinancing with XXXX XXXX because of all the problems with Pacific union.
My ex-mother-in-law ( now deceased several years ) had her identity stolen a decade ago and had a number of debts run up on her credit. These bottom-feeding debt collection agencies buy the debt for pennies on the dollar and then harass anyone remotely connected with the " debtor. '' My Ex-MIL never lived here. My phone was never connected with the debt -- in fact my Ex-MIL never even knew this number. Another bottom feeder ( XXXX Bank ) found that this number is associated with a house that my Ex-MIL used to own ( I bought it from them fifteen years ago ) and began to call trying to contact my deceased Ex-MIL here. 

After a year of complaints to the FTC and you folks, they finally were forced to stop harassing me. 

They stopped and then ( I imagine ) sold my number ( and presumably the " debt '' ) to Portfolio Recover Associates in XXXX, AL who have now continued the harassment. 

A juicy fine would shock their tentacles back. How about it?
On a recent credit report the following address was listed as mine : XXXX XXXX XXXX XXXX, XXXX, Maryland, XXXX. I do not, nor never have, owned this property.
They say they are collecting for XXXX but they refuse to send me a bill after verifying my address 3 times in which they should have since they say all calls are recorded and I have said as much trying to get a bill. Ask for all their recording and lets see.
During XXXX I drove from XXXX to XXXX and used my Citi Bank card to buy gas on the road. My card was flagged for possible fraud and put on hold. I called and confirmed that there were no fraudulent charges. I was then asked to confirm my identity and faxed in a copy of my drivers license a copy of a bill under my name a copy of my marriage license and both my current social security card and the card under my maiden name. I was then told that that was not good enough information to confirm my identity and so I then sent a color copy of the front and back of my drivers license and signed the paper with my matching signature to the one on my license. In that fax I also included a copy of a current bill to again show proof of address. Once again I called in and was told that there was no supervisor working and no one can help me with my problem. When I told the woman on the phone during my last call that I would not hang up until I spoke with someone who could help she told me she had to disconnect the call and hung up on me. I have been dealing with this for over a month and can still not close my account. I need help and do n't know what to do.
I was a XXXX TV customer then was changed to XXXX. They were so bad I cancelled the service and paid a balance due of {$150.00} on XX/XX/XXXX, I spoke  to a person named XXXX. Apparently, between the time XXXX credited my account they charged me {$59.00}. I received a letter dated XX/XX/XXXX claiming I still owed {$59.00}. On XX/XX/XXXX I called and spoke to a person named XXXX who told me I owed {$5.00}. I then received a collection letter from Credit Control Corp. on XX/XX/XXXX that I owed {$59.00}. On XX/XX/XXXX I contacted XXXX at Credit Control and attempted to explain what happened but she was so confused I hung up and decided to contact the Consumer Finance Department to help.
XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX sent disputes to credit Bureus. These companies are all frauds, they tempt you saying low credit approved but decline after pulling hard inquiry. i even called them and there is no proper person to speak with and i end up getting ignored and agitated.
On Saturday, XX/XX/XXXX, I spoke with XXXX XXXX regarding a settlement on my loan. That day we agreed that I would pay {$14000.00} on Tuesday, XX/XX/XXXX. Moments later, the settlement offer was sent to me via XXXX XXXX. I did not sign because the address that was listed on the contract was incorrect. When I asked them to send a new copy, XXXX, promised that I would receive the new copy the morning of the XXXX. 

Today is now the XXXX and the company has refused to send me a new settlement letter. I have called 6 times today, starting from XXXX - XXXX EST. Each time a representative has told me the document would be sent shortly and it is never sent to me. 

The reason for my complaint is that each day that passes, without the payment being made, I will incur more interest/late fee charges. A rep from the company told me that I would pay without receiving the settlement letter. However I refuse to make a payment until I have the document and have signed it. 

All I would like to do is pay my settlement loan and be done with it and for whatever reason they are holding me hostage.
We received an offer to buy our house. The buyers submitted preapproval for the amount of the sale. XXXX closing dates were missed. XXXX XXXX of Dawson mortgage during this time kept giving excuses to our realtor as to why the closing was not going to happen. When we were informed the sale would not close on the third closing date, we talked to the buyers and found out they were unable to qualify for the loan. XXXX XXXX did not contact our realtor or us with the information the buyers were unable to get the money. 
Based on the letter from XXXX XXXX and a telephone conversation with him, we disposed of our home business and moved out of our house. 
XXXX XXXX 's incorrect and misleading information cost us approximately {$25000.00} in lost income and rental expeses. 
XXXX XXXX contact information Dawson Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX My husband believe XXXX XXXX is either dishonest or incompetent and has defrauded us.
Dear Sir, I wish to dispute a charge from XXXX XXXX XXXX purchase date XX/XX/XXXX and charged to my account XX/XX/XXXX, for the amount of {$2700.00}. My credit card limit is {$1000.00}. I have not authorized any person to charge any amount on my card over the credit card limit. I found out today that XXXX XXXX, an authorized user rented a car from XXXX for up to 6 weeks and accumulated this charge and after turning the car in was accumulated charges on XX/XX/XXXX for {$2700.00}. I have only authorized my secondary user to charge no more than the {$1000.00} limit on my card as stipulated by Capital One. I asked Capital One representative why they did not contact me on this charge and then requested to dispute this charge which was initially denied. 

I contacted Capital One and asked to dispute this charge which was almost 3 times over my credit card limit. XXXX, I'd number XXXX advised that I could not dispute the charge, that XXXX had a right to charge this to my account. After I advised her to close my account was I able to dispute this charge. Now I have no credit card with Capital One and I finally have a dispute pending and am a senior citizen with a XXXX  XXXX while being XXXX XXXX XXXX XXXX. I had to close my account so no charges over my limit would be charged to my account. I have also requested that a supervisor call me on this matter. Please have someone call me to help me on this matter or email me at XXXX. 
Sincerely, XXXX XXXX
I called ACE yesterday & person said they had no info for me except that my case # XXXX was sent to XXXX XXXX XXXX. Telephone # XXXX XXXX XXXX XXXX. 
I have been harrassed & threatened by numerous parties including the XXXX previously mentioned. 
A person claiming to be Attorney XXXX XXXX from XXXX left a text on my cell threatening arrest & 6 months jail time. His telephone # XXXX XXXX XXXX XXXX. The telephone # he said to call is XXXX XXXX XXXX XXXX. 
An Officer XXXX from XXXX XXXX XXXX Court called me yesterday & said an officer would come today to serve me with a Deposition Warrant & I could be held. He said he could not give me any info on what it was about or who was involved but gave me a # to call. ( XXXX ) XXXX. That # ended up being another attorney XXXX XXXX from XXXX, XXXX XXXX XXXX XXXX. He said I owed {$270.00} to ACE. 
The amount owed according to ACE is {$250.00} from 2013. 
I had been helped initially by Attorney XXXX. 
It was my understanding the situation had been resolved. 
I had continued to receive calls from XXXX. The XXXX stopped their harassing & threatening calls. 
Some calls were automated & said for me or my representative to call them. My personal attorney XXXX XXXX of XXXX did call but no one answered. 
Most of the calls received were automated and only partial info was clear. They did not clearly state their name, the company they worked for or any other info. 
Naturally I assumed these were scams. 
Also the calls come from several different area codes and numerous calls a day. 
At XXXX point the message said it was check fraud which I thought was a scam because I do n't write checks. 
My bills are all online & paid online. 
I always pay my bills even if I need to make payments. 
I would appreciate any help & /or advice you can offer me. 
Thank you,