WillisBack/dataset-financial-user-claim huggingface dataset:
HelloSo I submitted a cosigner release form for Chase Student loans to release my cosigner. They declined my application as they told me that I had not made XXXX consecutive payments of principal and interest. I have been paying back this loan on time with no late or missed payments for more than 2 years. Prior to XX/XX/XXXX i was making payments directly to Chase, but after XX/XX/XXXX, the loan began to get serviced by XXXX XXXX XXXX. I pulled my bank statements to show Chase that from XX/XX/XXXX to XX/XX/XXXX, I had made the XXXX consecutive payments, they claimed I had not made.
I HAVE ASKED EQUIFAX TO VALIDATE THE ERROR OF XXXX XXXX  REPORTING THAT I OWE XXXX XXXX XXXX {$2100.00}. EQUIFAX REFFUSES TO VALIDATE THE DEBT AND TO REMOVE THE ERRONEOUS DATA BEING REPORTED.
Have been called nearly 15 times by Credence Resource Management ( phone : XXXX ) with no attempt to leave a voicemail. I returned call and asked who they were, and they said they were not allowed to tell me without me giving me them my name and information first. I said that was not true and they were required to tell me if this was a chance to collect a debt or even simply what their business did before I gave them personal information. He kept saying " I will not. I will not. '' I said my stepfather works for a debt collection agency and I interned there so I know the rules and ethics. He said, " good for you, but I 'm not saying anything until you give me your name and address. '' Completely rude, unethical, illegal, and harassing as they have called nonstop without voicemail ( even a simple voicemail just disclosing a number and to call back )
I purchased a car from XXXX where they up charged me on the interest rate. I fell behind in my note due to a legal situation where my mother was overdosed causing her to die and I ended up with funeral expenses as well as inherited debt. As of today my car has been reposes and Honda would n't offer me a payment plan. But only a pay off amount of XXXX. I just recently settled my mother 's medical malpractice case and have a check that I am waiting to clear. I asked could they give me 10 days for the check to clear and they wo n't even allow that. Here it is I 'm trying to pay my car off and be done with them so they can be done with me. Only after over charging me for a car and giving me way less than what should have been given on a trade in with less than XXXX miles and XXXX driver in perfect condition.
XXXX XXXX bought a credit card account from XXXX XXXX I opened in XX/XX/XXXX. The account has never been any activity on the account since XX/XX/XXXX. As of XX/XX/XXXX, the statue of limitation is expired and should be removed from my credit bureaus. 

XXXX XXXX XXXX. has fraudulently made payments to an account that is outside the statue of limitation. A payment of {$1.00} was made by XXXX XXXX to the account to bring the account current. 

XXXX XXXX then proceeded threaten to suit me and finally file a law suit against me.
calling my phone number about a debt made by the previous owner of the phone number. not my debt. collection agency calling my phone because their records are wrong but they purchased the fraudulent info connected with my phone number from somewhere
I just received a collection notice from XXXX XXXX dated XX/XX/2018, File # XXXX, Creditor : XXXX XXXX XXXX XXXX, Invoice # XXXX XXXX XXXX Balance due {$14.00} It's asking to notify within 30 days to dispute validity which I'm doing now. 

This is not my debt. 

I've never heard of this company. I've never had a creditor named XXXX, nor have I ever not paid any creditor for that matter. I have excellent credit and pay all creditors in a timely manor. I've never received any notice of monies due from this creditor ever.

I have a step daughter with the same name and know of other many other people with my same name and am not sure if this is crossed with another person 's credit, but this is not my debt.
There is an unverified account reporting on my credit reports with XXXX, XXXX, and Experian. The Creditor is XXXX XXXX XXXX. I have been the victim of identity theft in the past and I reviewed a copy of my Credit Report and I noticed that this in accurate account is reporting on my Credit Reports. I have disputed the item with all 3 Credit Bureaus and I requested verification that this account belongs to me with my signature on any forms or documentation that this company may have but I received nothing. I have called the XXXX XXXX directly as well as XXXX, XXXX, and Experian to try to have this matter resolved. I have been trying to dispute this unverified account since XXXX 2017. They have failed to validate the debt. I would like for this unverified account from XXXX XXXX XXXX to be removed from my credit reports Immediately from all 3 Credit Bureaus.
I have sent Numerous notices to Experian to delete the inaccurate accounts they could n't verify or Validate to me. This is an Agreement for validation made pursuant to the Fair Debt Collection Practices Act Section ( 15 U.S.C.A. Section 1681 & 1692 et. Seq. ) These accounts are not mine & need to be delete from my credit report
XXXX XXXX XXXX sold a debt too diversified consultants did n't receive notice in mail but received calls debt was paid in full but yet still has derogatory statements and was still sent into collection 's
On XXXX XXXX,2017 I saw in TV the commercial of Wetern Union where they offered money transfers in just minutes, and I decided to tried it.I download the app in my phone and I did the transfer for a fee of $ XXXX.What happenned was that my Mom have n't received the money yet, and she has {$0.00} in her bank account, so she ca n't even get medicine or food.How is it possible that they advertise a service that has nothing to do with the reality? My Mom and I were worried from the first day, but we said let 's wait because maybe for being first time users they verified the accounts and the information, but today I checked the bank account and it was still empty.I called them, and they said that the money will be available on XX/XX/XXXX, and they ca n't do anything to help me, just cancel the transaction and wait for the same amount of days to be effective.I explained to them the necessity of my Mom for having the money, and I asked the help of a Supervisor, the person with whom I was talking told me that it is not possible for them to change the transfer once it was made, so I feel very sad and very frustrated because they treated me without any kind of compassion, they simply do n't care.It 's a shame that in this great country things work so bad.
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) $ ( 6,600 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ( XXXX ) XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) ( XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ( XXXX ) XXXX  ( Original Creditor : XXXX XXXX ) ( XXXX ) XXXX ( XXXX )
The credit card is a business credit card, but is showing up on my personal credit report and should not be. There are numerous shareholders in this company and the card does not show up on their credit reports. My personal credit has nothing to do with the business credit accounts.
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
XXXX XXXX XXXX XXXX ( no acct # noted ) Unverified Account
XX/XX/XXXX I called XXXX at XXXX XXXX XXXX XXXX as indicated in the Patient Statement they sent me. I spoke with Communications Manager XXXX regarding my bill for XXXX. After a lengthy talk, we agreed to a XXXX monthly payment to be charged to my credit card every XXXX of the month and such payment will commence on XX/XX/XXXX. On the same day XX/XX/XXXX, my card showed a transaction for XXXX which is against what we agreed on. 

XXXX has not shown good faith in dealing with me. I made several attempts to contact them since XX/XX/XXXX to settle the account. Despite the nagging thought that the charge was somewhat doubtful, I decided to just arrange a payment plan because I was still in recovery from my accident. However, their most recent act showed how they have been less than truthful in dealing with me. I am therefore, questioning the services rendered ( XXXX ) on XX/XX/XXXX which amounted to XXXX, not including the ground mileage ( XXXX ) for XXXX. I was in stable condition when I was moved from XXXX in XXXX XXXX, XXXX to University XXXX in XXXX. I want to know the details of ( XXXX ).
I applied for a loan with Chase Bank. I was denied they say based on credit report from XXXX. They stated ( 1 ) serious delinquency ( 2 ) Number of accounts delinquent ( 3 ) Too high revolving or revolving accounts ( 4 ) length of time since accounts delinquent. This is false. # XXXX Public record ago paid. I have no accounts delinquent. I have no high credit balances as XXXX dollars was in my Chase account. Length of time?????
About two years ago I visit my local US Bank branch in XXXX CA to open an account, while I explained to the banker thatI am here in US few month out of the year, and I only want to open an account that does n't charge me any fee, the banker has assured me that there will be no charges, I was out of the country for a year and had no access to check my bank or statements, they have started charging me dormant fee {$5.00} due to inactivity of the account. Now that I have visited my local branch they have charged {$57.00} fee and they are not returning this money claiming that this money goes to the goverment. I am a senior citizen and on a fixed income. This transaction was illegal and not authorized and they claim that this is a government fee, and not a bank fee, but they fail to provide an address of the government agency that this money went to. I like US. Bank to refund my money. 
This is taking advances of seniors on fixed income.
My Barclaycard account was closed, but went to collections. The collections company DID NOT place the account on my credit report, because I settled it in full right away. However, Barclaycard refuses to update my credit report to say that it was settled in full. Even after I disputed it, they have it marked as a charge-off. I need this to be updated, as I am trying to fix my credit.
No credit card billing statement received XX/XX/XXXX. First notice of debt was from a collections ( Client Services )XX/XX/XXXX. Multiple calls to Client Services and XXXX XXXX ( XXXX XXXX Credit Card ) telling them that no statements had ever been received (XX/XX/XXXX). Dispute initiated, initial charges paid ( XX/XX/XXXX ) in good faith by customer to XXXX XXXX despite not having received a billing statement. XXXX XXXX indicates initial statement XX/XX/XXXX sent was undeliverable and returned. Address used by XXXX XXXX   is the same exact address used by Client Services for their notice of collections on XX/XX/XXXX. Billing statements received after fifth request XX/XX/XXXX, address on statements is the same as the address on the XX/XX/XXXX Client Services collections notification.

Multiple Calls to XXXX XXXX failing to resolve issue. Collections company switched to XXXX XXXX XXXX   XX/XX/XXXX, second dispute initiated. XXXX XXXX  wants late fees and interest which I find inappropriate due to lack of notification.

see enclosures ( 6 )
My loans are in the process of being transferred from Nelnet to XXXX XXXX. I have automatic payment setup for my account. My XX/XX/XXXX payment of {$610.00} had been scheduled to be deducted on XXXX/XXXX/16. On XXXX/XXXX/16, my Nelnet account showed that my account marked as late. I called Nelnet to clarify why my automatic payment had not been processed. The rep stated to wait a day or two because of the weekend. On XXXX/XXXX/16 the payment has been deducted from my bank account, but it is unclear who has received it. My Nelnet account does not show the XX/XX/XXXX payment posted, which should have been applied on XXXX/XXXX/16. Nelnet shows on XXXX/XXXX/16 my account transferred. I have yet to receive my welcome letter with account number from XXXX XXXX. I called them on XXXX/XXXX/2016 and they state they have not received my loan yet. The rep stated it may take 30 days or more for my payment to be processed if it is not included in the transfer. I explained the amount has been deducted from my account so it is not of question of it being made but a question of who collected it. I have yet to receive an answer from Nelnet or XXXX regarding that.
Several Fraudulent charges were charged to my account. I informed the company they were not mine. They began to investigate and would adjust charges off. Very often they would put them back on later. I tried to keep track of the charges and their removals. But they stopped putting the individual removals and just called it an adjustment. So I can no longer keep track. This has been going on for months. 

I have continued to make a monthly payment, because I do not want my credit harmed. 

ALSO, i had taken an 18 month loan for a total of {$1300.00} dollars. I have paid them {$1700.00} as of XXXX. The fraudulent charges, that I know about came to {$1700.00}. My statement for XXXX shows a balance due of $ {$1200.00}. 

These were charges made all over the country and often. I have no idea how much money I owe this company. I do know that I took out a {$1300.00} loan have paid that back plus, and still owe {$1200.00} in fraudulent charges. If they are clearing them as they say they were, This has been going on for months and I do not see that they have given credit for these charges. If they are the balance on my statement is incorrect. 

Another credit card I had was also charged with many charges that were not mine. And a third card also. I will be reporting them also. 

I did not give my cards to anyone as the 3 credit card companies claim, and they were not lost. They were with me. HOW can anyone charge on my account with out my password. I CAN NOT! Some one stole my info from somewhere and it looks like I am going to pay for it. I have a small income. 

I am thinking about destroying all my credit cards I can not afford pay for someone else..
My XXXX XXXX Account that was " In Good Standing '' on my credit report has been deleted or blocked from my report and my report no longer generates a score because of no credit history. The account should NOT have been removed. XXXX XXXX Credit Card Account # XXXX ... Date Opened : XX/XX/XXXX First Reported : XX/XX/XXXX Credit Limit : {$7700.00} Payment History : starting XX/XX/XXXX - current I have contacted XXXX XXXX customer service dept. and also the Fraud Dept. and both departments informed me that they have not stopped or requested removal of my account reporting and that my account is currently scheduled to report currently. A letter confirming that reporting is in effect has been sent by XXXX XXXX to all XXXX bureaus to prove this fact. 
I recently filed an Identity Theft report that included XXXX unrelated XXXX XXXX accounts and I feel that there is a possibility that the wrong account " In Good Standing '' was blocked by mistake, because the first 4 digits are the same " XXXX ''.
Item # 1 : XXXX XXXX  Item # 2 : XXXX XXXX XXXX This is my second dispute for the above items, and these items have yet to be verified as the law requires. I have never heard of these companies, nor have I ever had a contractual obligation with either of them. After requesting for these accounts to be validated, I have yet to receive any documentation from either of these companies such as : a signed contract showing that I entered into a contractual obligation with these two companies. According to the FTC, you are breaking the law by continuing to report unverified inaccurate items on my credit file. I am asking for each of these items to be deleted immediately. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. If this is not deleted, I will be left with no other choice but to pursue litigation.
For ten years I have had my current phone number. From the beginning it has been on some collection list that gets passed around from year to year. The latest is mercantile adjustment XXXX. If they are calling us, it is because they have some 10+ year old debt sheet that they are harassing people with. Please return the favor. Here 's their contact info. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
After several attempts to verify and validate the debt it was unsuccessful. The information that the account is delinquent is being incorrectly reported and since they havent responded nor validated or verified the debt it needs to be removed from my credit report due to FCRA laws and its adversely affecting my credit and score. I am paying Navient as scheduled for this loan!
Im a little confused. three months ago, I disputed the following previously deleted account as being inaccurate, and you deleted it because the furnisher agreed with me. 
But today, I went online and checked my credit and noticed that your company put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least five days after placing this item back on my credit report. So why was I not notified? Because of your actions, my credit score dropped by XXXX points. I'm under contract of buying a new home. The negative information reporting could cause me to get denied. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine. 
Please delete this previously deleted account within 10 days of this letter.
I have XXXX credit cards through Synchrony Bank. I have a Belk and a Walmart Discover Card. I just recently opened up the Belk card, although I have had the Walmart account for over 6 years now. I always pay my bills through my bank 's online Bill Pay. I went to send a payment to Belk, but thought I had the wrong address. I called my bank to have this payment cancelled so I could pay in person at my local Belk and get the correct address to send future payments to. Apparently, I did have the correct address and the payment was received by Belk and then taken away due to my calling my bank to cancel. I did go in store and make a payment and I asked the clerk what I had available on my card to see if I could make a purchase. She said I had available money to charge to the card so I made a purchase, not knowing Belk had received the payment that I cancelled. I got a letter in the mail saying my account ending in XXXX was going to be closed and no reason was stated ( Walmart account ). I called their customer service and nothing was wrong and was told my account was not closed/being closed, so I thought nothing about it. I went to check my Belk account online to see when the next payment was due and saw it said my account was closed. I called them and they accused me of check kiting (? ). To be honest, I do n't even know what that is. They would n't reopen the account and told me to call XXXX. I called them and said that Belk would have to be the one to reopen the account. At this point, I also found out my Walmart account was closed due to my Belk account being flagged as fraud. They were very rude when I called, and would do nothing to help me even after I told my story. I 've had the Walmart account for so long and both being closed will hurt my credit. I have always made my payments on time each month and usually more than what the minimum amount of payment is. I would like both to be opened back up so I can continue to pay these off and in the future keep using them.
XX/XX/2017 As many customers I too have had issues with Bank of America hitting me with fees that seem ridiculous, mainly overdraft type fees. Im XXXX with a XXXX, and unfortunately I have XXXX. Because of this I occasionally make purchases that my relatively small bank account might not have the funds for. After getting nailed with ridiculous XXXX dollar overdraft fees I called in and talked to a BoA rep. I had them go into my bank settings, and set it up supposedly so I could not make purchases unless I had enough money to make them, which is what I thought a debit card was supposed to do in the first place. After that though it still happened, despite what the BoA reps told me, I called a total of three different times about this same issue over the years to " fix '' it, and still I get nailed now and then from the fees. I admit my bad memory problem, but when Im told one thing three times and yet another thing keeps happening its ridiculous. This fourth time I just called in and talked to yet another BoA rep. I asked her how a certain transaction was allowed to go through when I didnt have enough funds, which of course triggered a XXXX dollar fee. She couldnt exactly give me that answer. She kept saying its how my account was set up, even though I told her three different times I called BoA and was told it they changed the settings to prevent this. If I didnt have the funds, the transaction should have never went through, and the fee would have never happened. She said it was a transaction declined fee, yet the transaction was NOT declined the purchase went through fully on my end. All you have to do is XXXX " bank of america fee complaints '' and you can easily spend all night reading through the massive amount of complaint with BoA. After ten years being with them, Im seriously considering switching to a new bank as MANY already have. Some other banks even claim to not have these type of fees, sounds great. The amount of money banks make by nailing people with these fees is beyond ridiculous ...
TransUnion had a glitch in their system that violated the rights of their consumer under Section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given, which is also a violation. I am requesting that ALL inquiries be removed.
PennyMac has continued to misapply my monthly mortgage payment despite explicit instructions on how to allocate the monies. More recently they paid {$1500.00} to XXXX XXXX XXXX for my homeowner 's insurance. The premium is {$1400.00}. PennyMac 's negligence has resulted in an over payment of {$74.00}.