WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm currently in the process of rebuilding my credit and have been combing my reports when I came across a collection for an old Internet account back in 2011. I filed a debt verification letter with the collection agency at the XXXX of this month. I received a response the following day, during which they said the account status had been updated and it was placed in an " investigatory status. " When I checked my credit reports XXXX XXXX, my XXXX report shows this debt meets the guidelines set forth by FCRA. On my XXXX report, it shows the debt as being disputed. First and foremost, I never actually disputed the debt. I simply asked for a verification of the debt. 

I called to speak with the original creditor this morning, giving them the account number listed, my social security number, my name and former address the account was listed under and every other piece of information needed. After spending more than XXXX minutes on the phone with them, I had XXXX separate account receivables professionals tell me there is no record of any account or debt with my listed information in their system at any point. 

That tells me the collection agency simply ignored my debt validation letter or rubber stamped it because the original creditor does n't have anything listed for my account.
I have been contacting Enhanced Recovery for over a year to be ignored. The company has a fraudulent account reporting on my credit report on XX/XX/2015. I have been incarcerated in the Alabama Department of Corrections for the past 10 years and have never lived in XXXX, Michigan. I simply asked for an investigation as described in the United States Code Service Title 15, The Federal Fair Credit Reporting Act section 623 ( a ) ( E ) and all sections that the company have failed to provide and I indeed demand this fraud be removed out of my name NOW!!!! I recently have been released and will provide proof that I was indeed incarcerated. The documents will provide my entry date and release dates and I ask that this office make them verify the information I have provided and remove this fraud out my name. I dont have time to be ignored as my previous experiences! I dont have time for them to put me off because it isnt them, keep up office mess first, or just simply not caring any longer because I have had it with them ignoring me. I HAVE NOT AUTHORIZED ANY PERSON TO USE MY INFORMATION NOR DO I KNOW OF ANY PERSON WHO OBTAINED MY INFORMATION. IT WASNT ME AND I WANT IT OUT MY NAME NOW!!!!!!
On XX/XX/2015 I moved from XXXX XXXX to XXXX XXXX. I had spoken to XXXX XXXX about cancelling my membership. They said that in order to cancel I would have to be further than 15 miles from an XXXX XXXX branch and that my name was on the lease agreement of where I was staying. At the time I moved I was XXXX having a hard time with college payments and had to move in with my mom. As a result I had no job and no car. I attempted to get XXXX XXXX to work with me and break the contract but they refused. At some point later I received a letter about collections but didn't understand how to handle the situation. I was not aware that I could dispute the collection nor seek help in coming to a fair agreement. As a result I was unable to make payments and am only attempting to handle this situation now because I have learned a little bit about how debt and credit work. The missed monthly payments have added up to {$560.00}, which though not a large amount, is difficult for me to pay back for a situation where I could not use their services and are greatly over shadowed by the thousands of dollars I owe in student loan debt.
Company Name : XXXX XXXX XXXX XXXX XXXX falsely claims is owed {$9900.00} Account opened XXXX, XXXX I was made aware of this bogus account earlier this year when I tried to purchase a new vehicle. I have never received collection calls, mail or any communication from this company or the " original creditor '' concerning the collection of this bogus account. I immediately obtained help from a credit XXXX in an attempt to correct this and other errors I discovered on all XXXX of my bureaus. This particular account was disputed with all XXXX Bureaus and was immediately deleted from XXXX and XXXX. Equifax however has failed to delete this bogus account off of my report. There have been XXXX disputes initiated for this account with Equifax and they are still reporting it as verified. This however can not be true as it is NOT my account. They have also recieved proof of deletion from XXXX and XXXX. When I contacted Equifax about this, they stated that only the balance was disputed and not the account. However, the entire account was disputed. I have initiated a re-investigation, but at this point I have NO confidence that Equifax will remove this bogus account from my credit report. This is why I have chosen to get the CFPB involved. I will pursue this legally if needed as I have supporting documentation from both Transunion and XXXX stating that the account could not be verified as belonging to me and therefore was deleted off of both records.
I have a student loan with Navient. I've been paying on it for 5+ years and my balance has not decreased. I feel this is a negative amortization loan and I was not aware of that. I also think that certain payments I have made have not been applied correctly to my principal. I looked at the payment history and none of my regular payments have any portion applied to my principal. If I want to refinance this loan to another lender then the balance I transfer is higher than it should be after paying for 5 years. All I've been doing is paying interest and my principal has not decreased.
In the Costco transfer from XXXX XXXX to CitiBank, existing XXXX customers were informed the balance transfer interest rate would reamain the same for the transfer balance. I was notified today that the interest rate on my ENTIRE balance ( new purchases and transfer balance ) went up to 25.49 %. I have disputed this rate increase with CitiBank, but frankly, do not expect a response in the next year or two. Customer service there is negligent and usurious. 

Is there recourse?
I have an ongoing dispute with Suntrust Bank regarding unauthorized use of my debit card. Im waiting for $ XXXX+ to be returned to me that was stolen. I filed the initial claim over 3 weeks ago. Still waiting for credit. I received a letter from them today that theyre closing my account. So, they claim to have a zero liability policy. However, if you actually need to file a claim, their zero liability policy seems to disappear. AND they close your account on top of that. Thats some way to treat a customer. Or ex-customer as it is. Now, at this point, I really couldnt care less that they closed my account. The way Ive been treated I would have done it myself. I just want my stolen funds returned to me.
I was contacted by XXXX XXXX XXXX XXXX to pay a debt owed to XXXX XXXX XXXX at a reduced rate. % 50 of what is said I owed. I opted to do this. So I paid the amount and asked for a receipt, which they sent me. And I expected to have this removed from the credit report, but alas after many, many attempts to resolve this. and speaking to many people both with the XXXX XXXX   and supervisors, and the credit reporting agencies involved, nothing has been done. They both seem to pass the buck, even with documentation. ( which I have enclosed ) This has been going on since XX/XX/2017, and still reported as owed on my credit report. The reporting agencies, both XXXX XXXX and Equifax, say maybe this is a new claim #, so I disputed again, and then again, with the same outcome. And it is the same claim # XXXX ... .... I do not know what else I can do.
I spoke with XXXX at Lexington Law, I asked for a refund because the work was not completed. I paid before any work was done. I also was not told that I can do this work on my own and dispute on my own.
I opened a CitiGold Checking account in XXXX 2016 under a targeted promotion coded XXXX that was sent to me through email correspondence. The promotion awarded XXXX Thank You points for the completion of : Opening a new regular checking account in the Citigold Account package and enroll it in Citi XXXX XXXX XXXX XXXX Rewards by XXXX XXXX, 2016. 
In addition within 60 days of account opening, perform XXXX electronic bill payment through various Citibank 's payment systems each month and continue for two consecutive months. 

The account allowed credit card funding at the time and I asked to be sent a form to process the initial account funding with credit card as my husband did a month prior. I sent in the credit card funding form twice with no confirmation or processing of the funds. I called and also online chatted with Citi Representatives as to when my credit card would be processed. After multiple attempts to fund from mailed in forms and over the phone interactions I was finally told that credit card funding was no longer allowed. It was now XXXX 2016 and after enrolling in the CitiXXXX XXXX program I had n't been able to complete the other requirements of the promotion ( bill pay ) due to not having the account funded. I spoke to a representative about this dilemma and they stated that if I made bill payments in the next two months I would still receive the promotional points due to policy changes on Citi 's end that I had no power over, even though those bill payments would be outside the XXXX window requirement. I made those bill payments on XXXX and XXXX, after having opened the CitiGold account before XXXX XXXX, 2016, completing all requirements for the promotion. After waiting 90 days for the points to post to my account I escalated this issue to a Citi manager and executive department because the entire reason I opened this account in the first place was due to this targeted promotion and the reputation behind CitiGolds accounts. The Citi representatives keep saying that they will not award the points because I made the bill payments outside the promotional 60 day window, even though I received explicit confirmation that I would still be eligible due to faults on Citis end. Citi has saved/archived chat conversations and secure messages from my account that will verify that an agreement was reached for me to obtain this promotional offer. I am requesting Citi abide by their promotion and reach the resolution of awarding XXXX XXXX Points to my checking account.
I am in a loan repayment program with the national institutes of health and I entered into repayment for my private student loans from Navient and they charged me fees of {$1100.00}, {$1100.00}, and {$1600.00}. I called and was told this is because the loans are now in the repayment stage. This is absolutely unacceptable. So because I am paying the loans I am assessed a fee? How is this acceptable. I was told to write a letter to them regarding this as this was my only course of action. How are we also penalized for paying our loans? This should be outlawed.
My sub-servicer is SPS servicing I was approved for Keep Your Home California SPS did not send any information as to why KYHC was denied I spoke with KYHC whom stated and sent a letter your servicer declined the assistance because the rears would exceed XXXX by the time KYHC release the funds This was untrue in XXXX 2016 the approval date from KYHC I received reinstatement which was well under the XXXX and recently went over almost four months later SPS stated to me we will attempt to modify first and then work with KYHC At that time I did not need SPS help as KYHC was approved and ready to pay within 30-40 days the reinstatement was good for approximately 21 days and was under XXXX within the guidelines of KYHC SPS stated we can except help after we review for modification KYHC stated that is untrue SPS is not registered in that program which is updated on KYHC website in XXXX 2016 I have requested a letter with details as to exactly why KYHC was denied SPS representative stated to me we are also concerned as your payments will remain the same with KYHC program I stated leasing a room would be immediate if needed until dr releases me to work full time due to XXXX XXXX XXXX, 2016 SPS sent letter of denial for modification SPS continues to input the incorrect income for me which continues to disqualify me for assistance It appears SPS want to foreclose as SPS as denied several attempts to tender the rears due I have written letters to SPS if income I am willing to rent room, as well as my family is willing to assist until I complete medical and return to work full time KYHC - denied Modification - HAMP tier 1 and 2 denied - incorrect income I want to keep my home. 
disappointed with SPS and want my loan to be with another servicer - I DO NOT TRUST SPS Alleged NOTE HOLDER - stated Incorrect in letter to me Thank you for your recent correspondence. 

As per our database, you will need to contact the servicer for the address ( es ) listed in your email. The servicer info is as follows : Servicer : XXXX XXXX XXXX XXXX, Master Servicer Phone # : XXXX XXXX XXXX ( option XXXX ) / XXXX XXXX The servicer is the direct and only contact who would have the information you are seeking. XXXX XXXX is not an investor but a Trustee and therefore does not physically own the loan or the property. XXXX XXXX does not have any say in how the property is disposed, loan modifications, etc. This is the responsibility of the Servicer. 

If you were referred to XXXX XXXX by XXXX XXXX XXXX, please provide the name of XXXX XXXX XXXX representative for our records. 

Thank you for contacting XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Mortgage Backed Securities Fax XXXX
I am having a lot of trouble with Sallie Mae. I called them three months ago for forbarence and they said it was not an option for me. I have all my public loans consolidated through the government and all my private loans through Sallie Mae. I am on Income based repayment for my public loans and I can barely make that payment let alone XXXX payments. I have been told that it is impossible for me to consolidate my public and Private loans through the government so I can have XXXX Income based repayment. If I had XXXX income based repayment, it might be possible for me to live, save money, and try to build my career, let alone buying a house. My credit is in Shambles and now Sallie Mae is going after my parents who are on the verge of retirement. I do not know what to do since I can not have these loans discharged in Bankruptcy. I have not been able to pay either public or private student loans in about 4 months. HELP!!!
In XXXX, I received my first credit card which was an XXXX XXXX card. I was told to pay each month in full. I did not know I could pay monthly payments. I had a balance of approximately {$2200.00} and was not able to make the full payment due to losing my job in XXXX. I also didnt make monthly payments because I didnt know I could. After 3 months XXXX XXXX closed my card and sent it to collections. After trying to pay them off earlier this year, they stated they had settled with the IRS and I would pay it on my taxes which wasnt an issue. However, this derogatory mark is on my credit and fnb Omaha will not remove the mark from my credit report. Ive tried everything and this is the only derogatory mark on my credit report. Please advise how I can get this removed as I was naive and did not have the proper guidance. Thank you.
I had previously filed a complaint against CitiBank for my best buy card to dispute the late payments being reported. I had mentioned to them that there were late payments on my credit report that I did not agree with but they sent me the attached letter and verified it as well as the credit bureaus verified the late payments. 

But what I found after doing my research is the CitiBank violated the Fair Credit Reporting Act by verified data that they said is correct but reported something totally different to the credit bureaus. They said I was 30 days past due as of XXXX XXXX but the credit report clearly shows me being 30 days past due as of XXXX XXXX. Therefore, I have reason to believe that no real investigation was done and this was just a templated response.
This credit card company is reporting me as a charge-off account on my credit. This is not my account.
I am a victim of Identity Theft. Someone opened an account with several banks and organizations. I have been working with XXXX to fix these issues, most all companies have taken care of the Theft my removing the account and fixing it with the credit bureaus. the exception to this is Sallie Mae. I contacted Sallie Mae with XXXX and they were extremely unhelpful. After several calls we finally go the information we needed to work on fixing it with them. So I mailed all the information they asked for ( Police Report, Letter Statement, and several other forms ) this has been over 30 days now and no responses from them.
I owed a past due bill to XXXX XXXX XXXX that was turned over to XXXX XXXX on XX/XX/XXXX. I called XXXX XXXX XXXX in XX/XX/XXXX to pay the bill in which they instructed me to pay the bill directly to XXXX XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX and paid the total amount ( XXXX ) plus a fee of XXXX, XXXX total. ( Confirmation # XXXX ) 6 months later I see the debt on my Transunion credit report still stating that it was open and still in collection! I called XXXX XXXX XXXX in which they could not find my record! They feel it is due to me paying off the bill? But they ca n't report it paid? XXXX XXXX states that it is not their responsibility to show it paid either???? ( I filed a XXXX complaint against XXXX XXXX when they would not respond to my emails or calls ) They only answered the XXXX complaint of course. 
Now what am I supposed to do?
Capital One as NOT addressed the issues in my complaints. There is no contract or agreement for me to pay the charges on my credit card after XXXX XXXX, 2017 by XXXX XXXX XXXX XXXX XXXX. I never gave XXXX XXXX XXXX XXXX XXXX permission to use my credit card after XXXX XXXX, 2017. There is no proof I made the purchases charged to my credit card. Capital One has repeatedly required me to prove I did not make the purchases, did not give permission for my credit card to be used. It is impossible to prove you did not make a purchase or give permission. The vendor has the responsibility to PROVE the customer made the purchases, agreed to pay, gave permission for the credit card to be used, etc. Capital One has NEVER PROVIDED ANY PROOF I MADE THE PURCHASES, AGREED TO PAY, OWE ANY MONEY OR GAVE PERMISSION FOR MY CARD TO BE USED. 
Capital One keeps sending letters saying THEIR RESEARCH INDICATES SOME ONE ELSE AUTHORIZED ON MY CREDIT CARD GAVE WRITTEN PERMISSION FOR MY CARD TO BE USED. I AM THE ONLY ONE AUTHORIZED TO USE MY CARD. THE VENDOR HAS NOT PROVIDED A CONTRACT OR AGREEMENT SIGNED MY ME. THE VENDOR HAS NOT PROVIDED ANY PROOF I MADE THE PURCHASES. THE VENDOR HAS PUT CHARGES ON MY CREDIT CARD THAT ARE ERRONEOUS. Capital One has threatened me with fees and interest if I did not pay the charges on time. Capital One refused to put many of the charges in dispute which should require the vendor to prove they are legitimate. NOT ONE CHARGE ON MY CREDIT CARD BY XXXX XXXX XXXX XXXX XXXX HAS BEEN SHOWN TO BE LEGITIMATE. FRAUD IS ILLEGAL. CAPITAL ONE IS SUBORNING FRAUD, EXTORTION, PRICE GOUGING, ETC. BY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CHARGED ME AN ADDITIONAL FEE OF {$550.00} TO USE BLANKETS DURING THE MOVE THAT ARE SUPPOSED TO BE INCLUDED IN THE PRICE. XXXX XXXX XXXX XXXX XXXX STOLE 4 OF MY PACKING BLANKETS AND NEVER GAVE ME ONE CENT FOR THEM.

CAPITAL ONE HAS NEVER ADDRESSED ANY OF THESE ISSUES IN MY COMPLAINTS. WHY? WHEN IS CAPITAL ONE GOING TO ADDRESS THE ISSUES IN MY COMPLAINTS?
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 Day LATE PAYMENT - XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Western Union Prepaid XXXX XXXX, has extended my dispute to XXXX calender days, which I know is illegal by federal regulation XXXX, in the process of dispute, is it required that a financial institution resolve all disputes between XXXX and XXXX, then 30 days, but only after not being able to find what they are looking for. Then by law, they are required to give a decision after 30 days. And if the evidence doesnt give either way, then they are required to send a letter, stating that it was unfounded due to insufficient information. XXXX calender days to make a decision, I do n't think so.
I have sent several letters via USPS Certified Mail requesting that the credit reporting agency remove an unverified account from my credit report ( XXXX XXXX XXXX ). Each time I send a letter, they send back a copy of my credit report and a statement that says : " Our investigation of the dispute ( s ) and/or other request ( s ) you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to verify the accuracy of the information and provide us a response to your dispute ''. 

I have sent a total of 4 letters to them over the last few months. The account has not been verified or removed from my credit report. I have not received any documents or other information that proves the accuracy of the account as I requested.
I took my XXXX to the dealership ( XXXX XXXX ) on 4 separate occasions during the months of XX/XX/XXXX - XX/XX/XXXX. Each time they indicated they had repaired my vehicle. However the check engine light continued to illuminate after I would leave the dealership. 

The Operationa Manager ( XXXX XXXX ) promised me a refund in XX/XX/XXXX ; however the {$810.00} never credited to my account so in XX/XX/XXXX I disputed the charge. 

The {$810.00} should not be paid to XXXX XXXX because they never repaired my vehicle and they tied to induce me to spend an additional {$2500.00} to make other repairs. After taking my vehicle to XXXX XXXX ( XXXX XXXX ). They made the repair for {$450.00} and its been 2 months and the check engine light has not reappeared.
My Identity was stolen and given to Discover Bank and opened a XXXX market account under my name. In turn there was a transaction made XXXX in WI which made a transaction under my ID and sent XXXX for the amount of {$2300.00}. No response or fraud department will take my call at XXXX. Discover Bank referred me to XXXX on this transaction.