WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I was contacted by Navient and told that a private loan held by them would enter into default if I did not make a payment. A payment arrangement was made for XX/XX/XXXX. On XX/XX/XXXX, I received a letter claiming that this loan was in default. After calling to discuss it, I was told that they had never received any payment and that my loan could not be removed from a defaulted state. After checking recent bank records, I saw no evidence of any attempt to collect the payment as arranged. This is counter to the agreement made with Navient 's customer service and when this was mentioned, my complaint was dismissed with a statement that it " did not go through '' and the agent I spoke with ( " XXXX XXXX, '' likely a pseudonym ) attempted to pressure me into making a payment.
I am seeking clarification on who is the " merchant '' in this legal member agreement. I am a member, I am doing business with BLUEBIRD AMEX, but why is the merchant 's integrity, more important than mine as a customer of BLUEBIRD? : This is the statement from my member agreement I want addressed.

5f. Returning Merchandise If you wish to return any merchandise purchased with a Bluebird Account, Bluebird Card, Family Account or Family Account Card, you will be subject to the merchant 's return policies. If the merchant agrees to issue a credit, such credit may take as long as seven ( 7 ) days or longer to post and be reflected as Available Funds. 

My merchant XXXX, gave me 10 days to solve this claim. The merchant wanted the defective product back, and after I returned it at my own expense by priority mail, and they had it for two days, XXXX paid me. So what does AMEX have to do with an investigation? Are you going to refund my postage paid to return a defective item. I was in constant contact with the seller, because they phone would not work. I even looked up the IMEI number and found out it was made in XXXX and not all protocols were compatible with American phone carriers. The seller strung me along, because I truly liked the phone, but it would not WORK IN AMERICA! I have emails that show I tried over and over to work this out for two months. The seller strung me along long enough for my XXXX protection to run out, but XXXX had my back! 

In my case the Merchant was XXXX XXXX, AMEX does not have a buyer 's protection policy, but just recently is enacting one in XX/XX/2018. My XXXX account, which I used to sign up for my XXXX account over 17 years ago, did protect my purchase. I do not see why this would be treated as a courtesy for the merchant who sold me a defective product. I am the customer of AMEX, and I should be given such a justifiable treatment.
I am attempting to clear collection accounts from my credit bureau file. I paid in full the XXXX listed as XXXX XXXX XXXX for {$120.00}. 
It is still showing on my file. 
XXXX XXXX XXXX would not take my debit/check card as payment only my bank routing # and acct #. I gave it to them against my better judgment. I collection item is still there. 
WHAT DID XXXX DO WITH MY MONEY?? WAS THIS A FRAUD??
I have been receiving numerous telephone calls from XXXX XXXX XXXX XXXX of XXXX, GA, telephone number XXXX, attempting to collect a debt from a Ms XXXX XXXX. I am not Ms XXXX and do not know who Ms XXXX is, where she lives, or any other information about her. 

I have explained this numerous times to this company and they hang up on me when I try to talk to them about this. I have tried to explain to them that the number that they are calling is not a home land line number, is not a cell phone number, but in fact is the access number of my XXXX XXXX XX/XX/XXXX. However, they continue to call, some days, 4 -5 times a day.
XXXX/XXXX/XXXX XXXX XXXX Experian XXXX : XXXX Dear Credit Bureau, A lawsuit I will file due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged, nor therefore any such inquiry was made by myself, in fact exists. I have copies of the certified letters and dates prepared to bring to court I have attempted to address my concerns of defamation with experian. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the these inquiries within 30 days, then it must be removed. Your letters to me claim that all inquiries are factual, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers and dates in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. 
Now I am hoping to not have to sue experian for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false inquiries removed. You may contact me before suit is filed on XXXX XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it is factual then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against experian for violation of the Fair Credit Reporting Act and Defamation. 

The items to be removed from my credit report are listed as follows : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I look forward to your response. 
Sincerely, XXXX XXXX XXXX # XXXX
people are reporting my balance owed to XXXX state child support at almost 40k, when in fact i am almost paid in full and the remaining balance is only about 1000 to be paid off within the next 60 days, i want this updated now to show the accurate information .i have contacted all credit reporting agencies and all of my credit cards and i still see inaccurate information in my report please update this record
On XX/XX/XXXXa purchase was made at XXXX XXXX XXXX XXXX XXXX  NY fo {$49.00}. the clerk typed {$79.00} and refused to make good, refused to print a receipt and copied signature from the back of the card, Owner was contacted following Monday Tuesday and Thursday and refused to make good, credit card issuer was advised, via internet site, and failed to respond, on XX/XX/XXXX I contacted the credit card billing to dispute charges, I held over an hour from agent to another who they refuse to dispute, upon threatening to close the account they took the dispute, which clearly stated the wrong charge and the merchant refusal to provide a copy.

TDbank opened a case XXXX, sent me a letter asking for the receipt which I told them clearly that the merchant refused to provide, while calling them they have in hold again for over 30 minutes, because I disputing a charge, and still refuse to make good.
I had dental work done at XXXX XXXX XXXX. Before leaving as mandated the bill must be paid. So, after the dental work was completed I paid my bill in full as expected. About a week ago I checked my credit report. My credit report displayed a debt collection from XXXX XXXX XXXX for {$46.00}. I learned that XXXX XXXX XXXX had charged me for {$46.00} after my visit. I had not received a phone cal or letter to my house or place of employment. Finance is not an issue for me so I visited and paid my bill. The staff did not have a response as to why I was billed and lack of notice. The problem for me is that my credit is affected for something that is not my fault. If possible to have corrected would be awesome. If not then I need to inform other clients of the business of such practice.
I have recently heard about the lawsuits against Navient and they have done to me all of the things the lawsuit has alleged. I have been charged late fees and interest even though I have paid consistently through the years. Payments have been misapplied, I have often paid more than the monthly installment amount but those extra payments have not been directed towards principal. My payments have often been misapplied in fact payments at one point were directed to a smaller loan with the same lender ( originally XXXX ) I had that could n't be consolidated in my consolidated loan and that smaller loan got paid in full but I was forced to file a deferment for the larger consolidation loan and during that time interest accrued. I consolidated my student loans upon graduating and in the early years when my income was lower I called many times about income based payment plans and was never given full information about my options. Had I entered such a program my loans would like be dischargeable now since I 've been paying for over 20 years. I have paid much more than I ever borrowed but still owe more than I borrowed after decades of payments due to late fees and interest. I also have had difficulty getting information about my payment history. I have called several times and requested a copy of my full payment history including deferments and forbearance information but it has never been provided. I only have access to what they publish online on their website.
Explain to Experian target charge off was fraudulent that it was out back on credit report after data breach in 2013. 
Target is unable to verified me as they have someone else 's addres, phone. 
I have a fraud alert on experian to confirm inquiries with me have XXXX new fraudulent inquiries by online companies. Have disputed to not help
REGARDING RESPONSE LETTERS XXXX, XXXX IN WHICH THE RESPONSES PROVIDED A COPY OF A HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT SHOWING AN ENDORSEMENT OF XXXX. 
I AM REQUESTING SPECIALIZED LOAN SERVICING FOR THE XXXX TO PROVIDE THE TIME/DATE/YEAR WHEN THIS COPY WAS ACQUIRED BY SPECIALIZED LOAN SERVICING. I AM STILL WAITING FOR THE NAME OF THE CUSTODIAN / NOTE HOLDER THAT IS HOLDING THE ORIGINAL NOTE TO BE IDENTIFIED FOR THIS LOAN PROVIDED BY SLS. SHOULD THE PERSON RECEIVING THIS BE UNABLE TO UNDERSTAND THE TWO REQUESTS PLEASE SEEK HELP FROM YOUR LEGAL DEPARTMENT.
I have been having problems with this account for almost a year ... They are missing my payments in their computer system and abusing with interest fees. 

I requested a wire transfer to clean out the amount due XXXX or XXXX weeks ago. 

I have been working with my bank XXXX XXXXXXXX XXXX in obtaining my bank statements,. 
Which I have NOT received. 

Which would contain all transactions for the past XXXX months. 

I requested a transfer of XXXX to this account which is also missing. 

CAN SOMEONE HELP!
I recently submitted ( XX/XX/2016 ) a complaint to CFPB re. the inordinate delay ( two months, twenty days ) that American Express took to post a charge of {$5400.00} to my account ( Complaint # XXXX ) The message of American Express ( XX/XX/2016 ), following my complaint to CFPB is wholly inadequate ( see attachment ). 

First, they do not even mention the CFPB at all, or reference Complaint # XXXX, stating as if their message were completely of their own volition, in an effort to " help us recognize and improve the quality of our work '' : " American Express would greatly appreciate your feedback. Our records indicate we recently assisted you with a billing inquiry. The amount of the billing inquiry was {$5400.00}. '' Actually, if they had thoroughly researched their records, they would find that the recent inquiry was actually the third, in regard to the {$5400.00} XXXX charge to which they refer, going back to my first inquiry, of early XXXX 2016 - over three months ago! 

The only difference between their non-response of early XXXX, and their immediate response of XXXX XXXX 2016, would seem to be my complaint to CFPB earlier that day. 

Thank XXXX for the CFPB! That an overbearing financial behemoth, such as American Express, would actually make at least the appearance of a genuine response, to a humble consumer such as myself, would seen to be a huge step in the right direction. 

I ca n't adequately explain the frustration of restating again and again to representative after representative, my grievance regarding the unconscionable delay of two months and twenty days, which American Express took to post my charge of {$5400.00}. 

And each time, the representative, after listening to my grievance, would ask : But the charge was valid, correct? As if the delay itself was not a valid grievance! The delay is the grievance in its entirety. 

As related in Complaint # XXXX, the delay allowed me to unwittingly exceed my credit limit by {$5000.00}. The validity or invalidity of the charge is irrelevant. 

I completed their Survey, which they claim to be " administered by an [ unnamed ] independent research company, '' gave a detailed account of my grievance, and submitted the complaint. Or rather tried to. A message indicated that there had been a technical problem. Complaint lost. How convenient for them. 

I see now that I have another identical message from American Express in my Inbox. I will respond again to their survey, but this time, instead of restating my grievance, I will refer them to Complaint # XXXX. Thank you.
I AM AN XXXX OF XXXX. I applied for a Chase auto loan to replace/trade against my existing 2013 XXXX. The dealer submitted the loan application. The dealer agreed to take my car based on the remaining outstanding balance, pay it off and Put me into a new XXXX XXXX XXXX XXXX. To my surprise, my loan application was declined. Have I have a credit score of XXXX, Excellent payment history for the last 3 years on my existing vehicle, financed through XXXX XXXX. Secondly I have another car loan being financed through Chase with perfect payment history. My gross salary is in excess of {$250000.00} and I am XXXX. I submitted the last XXXX pay stubs, totaling over {$XXXX} in just the last 2 months. The reason for the decline according to the dealer was " Unable to verify my income '' and unable to verify the car trade in. I went to a second XXXX dealer and resubmitted the application, with exactly the same information. The loan was declined stating " The income on my previous application was much less and thats why they declined it the first time. I have copies of the first application and it shows exactly the same amount, {$250000.00}. I Verified my wages with my last XXXX pay stubs and to make the matter worse, I have banked with chase for more than 8 years, my business banking and all deposits go directly through chase. My mortgage is with chase for the last 20 years. I FEEL DISCRIMINATED AGAINST DUE TO MY RACE. CAN SOMEONE PLEASE EXPLAIN WHY SOMEONE WHO HAS GOOD CREDIT, EARNING A HIGH SALARY, MORE THAN NEEDED TO MAKE THE MONTHLY PAYMENT, HAS EXCELLENT CREDIT HISTORY WITH THE BANK IN QUESTION, ALREADY HAS AN EXISTING AUTO LOAN WITH THE SAME BANK, THATS IN GOOD STANDING, SUBMITTED BANK STATEMENTS AND PAYMENT STUBS TO VERIFY MY INCOME GET DENIED? 
****Income verification : I attached my last XXXX payment stubs, vendor ( XXXX XXXX ) contract for 3 years who pays monthly, the credit application I sent to the car dealer for submission to Chase. I have not included my bank statements but can be provided.
On or about the first and second week of XXXX XXXX I received phone calls from debt collectors who claimed that I owed a {$6000.00} debt to XXXX XXXX. I had a bank account with XXXX XXXX that I closed more than seven years ago and when it was closed I owed no money. I have not had any other account with XXXX XXXX. I received a " Notice of Bank Levy '' in the mail from the same debt collector : XXXX XXXX XXXX, XXXX XXXX. That notice contains my SSN and date of birth so I can not upload it for this complaint. I told the two callers that I receive SSD and have no other income. I do have a bank account with XXXX XXXX XXXX and am worried that someone may try to attach it, although the levy notice has no case number, court name, and was not signed by a jurist although " enforcement order '' is printed in red ink on the notice. I have received a phone call from another debt collector who claimed that a XXXX XXXX used my XXXX XXXX  account PIN to withdraw funds from a XXXX XXXX account and that is why I owe the bank {$6000.00}. I have no knowledge of any such incident.
We got a XXXX XXXX around 2003 where the policies used by that company were fraudulent. Now we want a loan modification they are trying to sell our hou7se instead of helping us like Obama says they should
Apparently I had a missed payment that I did not know about until an app that tracks my finances notified me about a finance charge. I then logged into my card account to pay my bill as a finance charge means there is a late fee. Upon logging in, I see that my account has been closed. I spoke to two operators using chat and 3 operators using the call line. The told me they closed my account due to 2 missed payments over a 24 month period. Not once was I notified that this could happen, wasn't notified that 45 days in advance for major change to credit card account, and wasn't notified immediately after. I tried to resolve the situation and they told me there was nothing they could do even after being a customer for so long. I do not feel that this is right. Especially since I immediately payed once I realized the mistake. I've only ever missed one other payment the entire time that I have had the card and i got the card in XX/XX/2013.
Argon AC-XXXX is reporting that I owe a balance of {$2700.00} but this debt was paid in XX/XX/2017. Proof has been submitted to the creditor but they have refused to update my credit file. It is impacting my negatively and i need it corrected or deleted immediately!
Under credit inquiries both XXXX and Equifax are showing XXXX hard credit inquiries. I have made XXXX ( XXXX ) transactions that would trigger a hard inquiry. 
All inquiries shown have been made without my knowledge, consent or action with companies that I have an on going relationship and should not be shown as hard inquiries, but as soft inquiries made by companies without any effort or permission on my part. Thank you for correcting this matter.
XX/XX/XXXX I changed companies. My old companies health provider was XXXX XXXX and my new Health Provider was XXXX. XXXX when I want XX/XX/XXXX to XXXX I gave XXXX XXXX my new XXXX XXXX information. XXXX XXXX mistakenly billed XXXX XXXX for the XXXX and they paid it although I wan no longer a member. 
XX/XX/XXXX I received a letter from XXXX fomenting payment for {$330.00} for my prescription. I called them up and asked them why there not requesting payment from XXXX XXXX and they said because I XXXX. I called XXXX XXXX and they said that this type of mistake was common and that they would just " reverse '' the charges and bill XXXX. this week I received a letter from a Bill Collector the XXXX hired to collect this dept. 

I do n't feel that this is my dept. I paid XXXX XXXX my {$25.00} CO-Payment and my business transaction was with them and I had no transition with XXXX but now my good credit is in trouble because this debt has gone into collection. 

This is another case of BIG BUSINESS squeezing the working man. 

Please help me. 

My Name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DOB XX/XX/XXXX SS # XXXX XXXX Contact : XXXX @ XXXX / ID # XXXX XXXX XXXX Contact : XXXX @ XXXX Collection Agecny : XXXX / case # XXXX
Hello good morning I called us bank yesterday and explained my situation and family emergency to a wonderful guy whos name I forgotten but he was very nice as I spoke to him I explained that my grandmother had a recently XXXX as she was detected a XXXX   and some problems with her XXXX as a lot of things got complicated with her health. And that is the reason why I cant pay the overdraft fee that they charge me and that now my account is negative the gentle man was really nice and he said that unfortunately he couldnt help me out or proceed with any wave payment because the overdraft fee was still pending and could not allowed him to move forward and ask me kindly to call back the next day or 2 days after so that once the overdraft had completed posting I could call back and ask anybody else to help me. He would have done it him self if the overdraft fee was not pending still he understood my concern and most likely he would have waved he fee for me as he understood my situation and hat I could not afford to pay the overdraft fee and that I also never thought that he charity I gave to Church was going to be process with the check as soon as onlybone day wen it usually takes 3 days for a check to clear out
I was charged without my permission the following dates and charges XX/XX/XXXX {$4.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00}.

I called Experian and they lied to me. I did not order this product.
I have recently sent 3 certified letters since XX/XX/XXXX-XX/XX/XXXX to all 3 credit agencys to delete accounts ( listed below ). They continue to say they verified the accounts, but never told me who they verified the accounts with, no contracts showing the accounts are mine, nor signatures. Also usually is over 30 days for a response, which is against the law of the FCRA. Please delete Accounts listed below XXXX ( XXXX XXXX XXXX  XX/XX/XXXX# XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) TransUnion- ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX #  XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXXI ) XXXX- ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX