WillisBack/dataset-financial-user-claim huggingface dataset:
These accounts have been consolidated in XX/XX/2014. At no time was I contacted in writing by XXXX XXXX XXXX XXXX XXXX about my multiple accounts being delinquent or sent to collections. Texas is currently reporting this as a collection account. This is not only inaccurate, but it is placing my military clearance in jeopardy. 

XXXX XXXX XXXX is reporting multiple accounts as 120 days past due, all having a XXXX   balance, and all in excess of 7 years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX. 

XXXX XXXX is also reporting that I had student loan accounts with them in excess of 120 days past due, many of which are greater than XXXX XXXX XXXX. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans. 

Another student loan creditor, XXXX XXXX  XXXX, is also reporting multiple loans as 120 days past due and these loans are older than 10 years. 

The United States Department of Education/XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old.
On XX/XX/XXXX I mailed a check in the amount of {$2700.00} to Macy 's XXXX XXXX , to be paid towards my credit card balance. For 3 weeks I waited and they told me they never received it. On XXXX XXXX 2017 I  called my bank and they said Macy 's cashed the check on XXXX XXXX 2017. It still did not reflect on my account. So I called Macy 's to ask where my money went and they said they 'll need a form faxed from the bank to confirm payment. The bank faxed the form and I called Macy 's back to see if they received it. They said they 'll need to investigate and it could take up to 2 billing cycles ( 2 monthhs ) to get it corrected. I severely needed this check to go through to Macy 's as soon as possible and now they are at fault and not taking proper measures to ensure customer satisfaction.
On or around XX/XX/XXXX, I applied for a mortgage loan to reduce my mortgage payment at BMO Harris Bank XXXX Illinois XXXX XXXX location. I talk with XXXX XXXX ( XXXX ). I sign a paper so I could start the application process and for him to Pull my credit report at which time I had told him I had file for bankruptcy in XX/XX/XXXX.He said that did not matter, because they 're doing this new program, where I get a grant to pay closing cost for {$1000.00}. This sounded good. Made an appointment, I gave him copies of my Bank statements for 2 months current copy and current copies of my mortgage statement for 12months and information about property taxes, and home owner insurance, then he asked me for a lease for the rented apartment I said ok made another appointment .he did not show up for this appointment. re-schedule. I got tried of the run-around and called him and said that ok about the loan. Then I decide to try again because no one would give me a loan. On XX/XX/XXXX. I called XXXX XXXX XXXX and asked was it to late to get the loan he said no just bring in the lease form. I said ok. I took in 2 years of tax returns, copy of home owner insurance and the lease. He said I had to sign a new application form so I did. I asked him did he have to pull my credit report again, he said '' NO. he said they keep the credit report for 90 days on file. I said ok. Then on XX/XX/XXXX I receive a credit alert on my credit report that a hard pull was being made by BMO Harris Bank . I then gave XXXX XXXX a called and asked him why he had pull my credit report again, he said he was sorry they only keep it for 30 days. I was upset so I just waited to see if I would get approve for the loan. He told me I would receive a package in the mail bring it in we will go over them. I did receive the package and a statement of credit denial letter dated XX/XX/XXXX. reason for denial Bankruptcy I called him today and told him that he knew I had file bankruptcy and should not have kept pulling my credit report and told him that I told him doing the application procedure that I had file chapter XXXX. he said he was sorry but have not seen the denial letter yet and would call me as soon as he see it. I said ok and file this complaint on XXXX XXXX. XXXX XXXX XXXX.
Capitol One credit card company makes collection telephone calls to numbers they obtain and maintain in their file that do not belong to the credit card holder and are family members, NOT THE CREDIT CARD HOLDER. Additionally, they are leaving personal information on the generic voicemail 's ( the voicemail does not identify who the phone belongs to ) relative to the credit card holders name, the reason for the call, the company they are calling from and they are willing to work out a resolution to resolve the collection issue. When I called them to advise they are calling family members and leaving this information, they requested I give them the numbers of all family members so they can remove them from their file. I explained the person that they seek to contact does not live in the USA and does not have a telephone number, therefore, there should be no number on file at all. It appears they are using public information to obtain the numbers of family members without regard to privacy laws. I have made several telephone calls to Capitol One and am transferred to several departments. I am asked the same question, " which numbers should be deleted from the account? '' I respond the same way. ALL OF THEM. I also have reminded them in each call, several times that leaving a message for a specific person, with specific private information on a generic voicemail is a privacy violation. This needs to cease. If they are doing this to one person, I am confident they are doing this to others.
in 2007 i received my XXXX credit report and noticed there were numerous merchants that were not mine. i called transunion to report this and thet said they would take care of it. i later found out i made the mistake of not contacting the merchants. i recently tried to get copies of my past credit reports ( 2007 etc ... ) and they said they couldnt produce them. i beleive im a victim of identity theft that is sometimes followed by stalking that can go on for 5 years or more can cause XXXX etc ... i need these past credit reports to prove im a victim of idetity theft to stop the stalking.
I applied for the XXXX XXXX XXXX XXXX form with Navient, the response they gave me was that I was not approved for the XXXX. After that I asked the representative what the reason of for this denial, his reply was " he could not give me an answer. '' Next, I asked him how much would ; I have to pay each month on the account, he then gave me an outrageous amount. I subsequently begin to say to him, I am XXXX and receiving social security benefits, and I do not get much money each month. Moreover, I would not be able to afford the amount that the company is asking me to pay ; his response was, were you XXXX when you took out the loan. '' I was so taken back by his responses, which left totally speechless, I said thanks and hung up the telephone. After having that conversation with Navient, I just let it go. Until about a year later when I tried to reapply for the XXXX  XXXX by having my physician fax the necessary medical documentation that was requested. However, I have not heard from Navient. In my opinion, whats the purpose of saying that students can apply for XXXX XXXX  XXXX if the company is not going to honor any documentation stating the fact that you are XXXX  XXXX and incapable of working? There is absolutely no talking to this company, they are rude and do not care if you are destitute and unable to pay your rent. In addition, I have not had any problems with my other students loan accepting me as being XXXX XXXX. 

I would have to get the documentations from my doctor.
I would like to speak with someone who can represent me. I am constantly making payments and my debt has not changed within the last year. I would like a representative to take a closer look into my account with Barclay and see what is going on. I feel cheated and mislead.
I contacted you back in XXXX XXXX, 2017 I submitted a complaint online with CFPB ( Case # XXXX ) and never received a response. I have now contacted the CFPB and Insurance Obubsman in hopes of help. My medical insurance was never billed. Today I am sending XXXX XXXX a copy of the medical bill from XXXX that they never received. Please have Collection Consultants take me off of collections with all XXXX credit bureaus.
I've known I've owed Federal Student Loans for some time. I took it upon myself to contact GC Services to set up payments. I've sent ALL REQUIRED PAPERWORK, which I have PHYSICAL COPIES of and they have been collecting payments for 4 months then all of a sudden they STOPPED. I get my paycheck and 15 % HAS BEEN GARNISHED! this was alarming and a tough pill to swallow all in all I felt GC Services ripped me off I filed all paperwork even made all my payments on time and, for what!? They couldn't even send and, email to inform me.of these changes! I'm a single mother just trying my best to be an, amazing mom and, keep me and, my daughters head above water next month is her Birthday I doubt I'll even be able to afford a party. All the rep that I spoke to could say is its unfortunate and, it must be a paper jam error wowww.
My XXXX XXXX XXXX XXXX XXXX XXXX issued XXXX XXXX ending in XXXX was closed by the issuer at their discretion in XX/XX/XXXX due to security concerns. The company confirmed the account closure in a letter to me dated XX/XX/XXXX. However charges for {$34.00} appeared eight months later on XX/XX/XXXX and the issuer allowed them to go through despite closing the account. The issuer added late fees and minimum fees to my account after this and then contacted me for payment. I called the issuer on XX/XX/XXXX and also logged into the website to discover the issuer had not closed the account and there was an available balance. I do not trust XXXX despite its letter to have closed my account and wish the department to follow up on this case. 

The person I spoke with was : XXXX Identifier XXXX from XXXX Idaho The Issuer is XXXX XXXX  at phone XXXX
I have a lease agreement with GM Financial. It started in XXXX 2015. In XXXX 2015-GM Financial claimed they did n't receive my XXXX payment. I mailed my payment as I normally did in their provided envelope and with their provided statement. They claimed from XXXX XXXX thru the end of the month -- they did n't receive it and harassed me by calling me at my job and at my home 3 times a day. In XXXX, I made both the XXXX and XXXX payments. My problem is I do n't believe GM Financial did n't get the payment. I genuinely believe they disposed of the payment to illustrate their point that I should acquiesce to their repeated insistence that I sign up for direct debit. The reason this is so important is now they are again claiming they have n't received my XXXX payment mailed to them on XXXX XXXX, XXXX. I have been mailing payments for the last 30 years without any problem. I do n't believe it is statistically possible for XXXX mailed payments not to arrive at their destination with the same creditor. It 's simply not possible. GM FinanciaI has a problem. They are intentionally disposing of the payment, or their quotas for processing payments are so impossibly high that employees are throwing away payments just to keep their jobs. In either case, I am sending my payment in the envelope provided with the payment slip included. In addition, this situation is impacting my credit. I believe this situation would be considered deceptive, abusive, snd unfair.
After several years of loan repayment, I found that I was eligible for a XXXX program, as I am now a state employee. I filled out the paperwork and my loans were transferred to Fedloan. Before a payment was due, Fedloan immediately put my loans into default with the XXXX. I assume this was a mistake on their part and after several conversations with them, they tell me basically that their is nothing they can do. My loans, that I have been paying on for over 5 years are now back in default.
Arkansas State apparently initiated a tax lien against me for tax year XX/XX/XXXX. I was told by two government officials that since I filed my taxes from an Arkansas address inXX/XX/XXXX, they assumed I owed Arkansas tax for XX/XX/XXXX but I did n't live nor work in Arkansas in XX/XX/XXXX. I wrote the governor and got notice that the lien was released but it 's still on my credit report, making my score in the " poor '' range.
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I disputed it with one of the credit reporting agencies but they said it was being reported correctly so they could not remove it.
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I never owed the tax so the entry should be vacated, removed from my credit report.
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I contacted XXXX  County ( Arkansas ) and they said I had to contact the State. I contacted the State and they said they are not the ones to remove it. I have no idea how to get this removed.
<P/> XXXX County Court {$8200.00}. Filed XX/XX/XXXX, Released XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX.
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Bad enough they took 5 years to actually report it making it harder to document the issue. The IRS has my XXXX and can plainly see I did n't work in Arkansas. How does one prove one did NOT live somewhere? Like I can get a copy of my lease from ( now ) 10 years ago?
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I want to buy a house but it 's impossible with this incorrect tax lien on my credit report.
After the XXXX data breach, i started to wonder if my credit is reporting correctly. I decided to sign up for a credit monitoring account with XXXX XXXX. This is when I came to the understanding that someone has been using my personal information to apply for services and credit.

FRAUD INQUIRY ON XXXX BUREAU -XXXX XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX XXXX XXXX - XX/XX/XXXX FRAUD INQUIRY ON TRANSUNION BUREAU -XXXX XXXX XXXX -XX/XX/XXXX -XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX I placed a fraud alert on my credit report and placed the inquiries under dispute with the bureaus.
in XX/XX/2007 both my wife and I lost our jobs at the same time. We had a mortgage with XXXX XXXX, who sold it to a company in California, XXXX. We hired a lawyer ( XXXX ) to mitigate for us, and paid him {$2000.00}. All he did was send some letters to the XXXX, He the n advised us, that this friend of his was interested in looking at our house. A gentleman showed up at our house, and said that he already purchased our mortgage from XXXX and, said that he was willing to make us pay interest only payments with a 7 % interest rate. being in that situation and fearing to be homeless we agreed. this gentleman kept on promising if we can get someone to refinance he would do it. meanwhile House prices declined and this gentleman wanted to much money for the property. No one would lend us for the price he was asking. At his mortgage rate we were falling further behind, Plus I was laid off again, and Hired another lawyer ( XXXX ) to see what he can do. After taking a partial payment of {$500.00} this man was impossible to get a hold of. We just gave up on him. The gentleman who purchased our mortgage filed for a foreclosure and we hired XXXX XXXX XXXX XXXX of New York and paid then {$3500.00} ( a great sacrifice on our part ). This law firm advised me to start a Bankruptcy claim to stop the sheriff sale, but offered no help doing it but said that the clerks at the bankruptcy court would help. I did my best and when I went back to the bankruptcy court the secretary said that the paperwork was good and I should wait for a court date. one week later a received a letter from the court with my court date listed. A week before my court date, I called the bankruptcy court again to see what I should bring with me. It was then that I found out that my case was dismissed because of missing documents and was also told that the lawyers of XXXX XXXX XXXX was already informed and that it went on a sheriff sale and my deed was now under XXXX XXXX XXXX and I lost my house. I meanwhile was never informed and did not know anything until I made that call. Know my fate rest under this XXXX who have already threatened to send the sheriff to remove me from the property. We are still trying to work with this XXXX to see if we can come to some sort of agreement, But thanks to the bad advice of the lawyers and law firm it is doubt full. I served this great country for 10 years in the XXXX and was willing to lay my life down if needed. Always paid my taxes and tried to be as honest as I could. So many promises out there to help, but all scams ( all set up to help people with good greadit only ) and no one does anything about it. This letter will probably not resolve nothing, but at least I had a chance to vent. 

Sincerely a disappointed and let down citizen of what 's called the greatest country in the world
First Credit Svcs has reported a {$200.00} collection account on my credit report. Prior to seeing this account appear, I received no notification from this collection agency at all. This is a violation of my rights under the Fair Debt Collection Practices Act.
The children of XXXX and XXXX XXXX XXXX took advantage of our XXXX month intro special in XXXX and then signed their children up to continue with regular classes starting in XXXX. We billed them XXXX tuition and their children attended classes the entire month of XXXX. We billed them XXXX tuition as well and within a week of that happening XXXX XXXX contacted us saying that they never signed their children up to take classes and wanted to quit. We informed him that we need 30 days written notice to stop billing and that there was a {$150.00} per child early termination fee as stated in the contract his wife signed. We compromised with him despite his rude emails and attempt to physically bully and intimidate my husband into giving him money. We refunded the XXXX tuition payments and agreed to refund half of the {$300.00} early termination fee. He agreed to these terms and we processed the refunds. XXXX then contacted his credit card company, Chase Banks, and tried to report the XXXX tuition payments as fraud and claim that the refunds were never processed and that he never agreed to the early termination fee. We submitted all documentation including the contract, the attendance records, and the emails between us and XXXX. The initial findings of the company were in our favor and the money was re-deposited into our account. XXXX XXXX is trying to dispute the early termination fee again and despite all the documentation showing otherwise, Chase Banks has decided to just take the money out of our account and give it back to XXXX XXXX. Because of the mess this family and Chase Banks has caused, we were able to pay our employees but had forego paying myself and my husband our payroll. These tactics create a financial nightmare for businesses and cost us a lot of time and money when we have to contact our accountants and lawyers. After all that XXXX XXXX is again trying to dispute the early termination fee and even though Chase was given all the documentation showing justification for the fee and XXXX XXXX agreeing to the fee, they have taken the money out of our account again and said our documentation does n't count and only the word of their client does. When I contacted Chase to discuss this with them and offered to re-send the documentation they were extremely rude to me from the employee I started speaking with all the way up to the supervisor who was even more rude and condescending to me. In a nutshell, Chase has taken the position that they will do whatever their client wants and businesses are bad people no matter what documentation is presented to them indicating otherwise. I do not appreciate being treated this way and can not run a business when people do not pay for our services they have used and then use their credit card company to bully us and steal money from us. It is not OK to just willy-nilly take money from other people 's accounts without a valid reason, especially when they have proven their case previously.
Rushcard has not deposited my money for the second time last week they did n't do it I had to wait a day for my funds I was n't able to pay my bills at all. Also charging me for fees they never charged me for before
I was notified by mail that I am a victim of the Equifax Data Breach upon reviewing my credit report after being concerned there are 3 accounts on my report that were removed earlier this year after disputing and and then re inserted sometime without the proper notification. The FCRA states they must send me notification within 5 days of the account being added or reinserted back to my report not only is the account info incorrect Equifax failed to send me notification of the accounts being reinserted. Equifax needs to remove these accounts immediately from my report. 
1. XXXX- XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX- EQUIFAX ALSO LIED TO ME ON SEVERAL OCCASIONS THIS YEAR refusing to correct my address STATING THEY NEVER HAD MY PICTURE ID OR SOCIAL SECURITY CARD ON FILE TO REMOVE FRAUDULENT ADDRESSES AND AFTER VIEWING THE LETTER OF THE BREACH IT SHOWS I INDEED SENT MY INFO AND THEY HAD MY DOCUMENTS ON FILE ALL THAT TIME. DOCUMENTS DATING BACK TO 2015 they only corrected this after sending complaints to the CFPB this alone shows this company can not be trusted. 

Here is the exact law pertaining to this situation : 15 U.S. Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii )  Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
RE Capital One 's Account XXXX : The complainant is a subscriber to monthly credit report monitoring. Recently, XXXX entries from Capital One appeared out of the blue on my credit report. 
These entries have been extremely damaging and have had a negative impact on my credit score and to my ability to obtain financing. 
Several written inquiries to the respondent have been issued including by counsel, and they have refused and continue to refuse to withdraw the derogatory information. 
I wholeheartedly dispute their entries ; I was a victim of identity theft, the respondent has not verified the account, and furthermore the entry on my credit report by them is beyond the legal each the statue of limitations : ' '' Account Last active in 2009 ''.
I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, XXXX XXXX section XXXX. 
Account must be deleted from the report as soon as possible : DSNB/MACYS ACCT # XXXX Bank XXXX XXXX ACCT XXXX XXXX Capital XXXX bank USA NA ACCT # XXXX DEPT OF HEALTH AND HUMAN SVC HRSA ACCT # XXXX DSNB/MACYS ACCT # XXXX ENHANCED RECOVERY COMPANY ACCT # XXXX XXXX ACCT # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act