WillisBack/dataset-financial-user-claim huggingface dataset:
A XXXX XXXX unsubsidized Stafford loan was initiated on XX/XX/XXXX for {$5500.00} to help pay for a year of college at the XXXX XXXX XXXX XXXX XXXX. It was deferred once I started beauty school at XXXX XXXX XXXX. When payments started up again the interest had accrued and the loan had increased to over {$7500.00}. My parents helped me pay it off at that time because we did n't want the amount to increase and pay more interest, so it was paid off XX/XX/XXXX. Last year I realized my other loan payments were messed up after paying regularly since I graduated from XXXX. Navient had reinitiated the old Stafford loan that had been paid off for over two years and started using some of the payment money for the other loans to go toward this loan that had already been paid off. They then started harassing me daily with calls that I owed this money and it was up to me to prove that I had paid the loan off XX/XX/XXXX because they did n't have record of it. I worked with my parents to find the proof and submitted it to Navient XX/XX/XXXX, and they said I would hear back within two weeks regarding their findings. I have not heard anything from Navient regarding this situation. They did remove the delinquent status from my account which should have never happened. This has been extremely stressful and time consuming -- I have spent hours on the phone and working with my parents to try to solve this. I know I saw on the XXXX XXXX website that this loan had been paid off and then when Navient took over the loan came up as unpaid and I could no longer see the same history online anymore. I do n't understand how this could have happened and I am anxious to get it worked out because I 'm still paying other loans and the payments have been messed up since last year when this all started.
I was never told directly about this bill that I " owe, '' but instead I found out about the bill when I accessed my credit report. I contacted the Lansing Professional Business Bureau, which is what was indicated on my credit report and they told me that it was " too late '' to send them my XXXX insurance. I have XXXX insurances for this exact reason! When I initially when to the hospital they only took the XXXX insurance card although I handed them XXXX. Then when I call to still give them my secondary insurance, they told me that I could no longer submit it because it was sent to collections. I am never supposed to pay {$500.00} out of pocket for medical bills with both insurances working together. I would like to dispute this medical bill because 1 ) I was never directly informed of the bill 2 ) they informed a debt collector before informing me 3 ) they told me that I could not submit my insurance again, even though I submitted it to them in the first place 4 ) I disputed the medical bill and they did not reach me within the 30 days 5 ) I have called and called and each time I was informed that " nobody could do anything for me. ''
CITI thankyou Preferred offered a free upgrade to CITI thankyou Premiere card which had additional features. They offered a timeline to be able to convert back if your not happy so I converted. After receiving the card and the documentation and reviewing it I realized the card was not beneficial to me, so I canceled the card before use on XXXX XXXX, 2017. I found my CITI thankyou Preferred card not working in late XXXX and notified CITI Bank cards that my card was not working and they indicated to me that the card was cancelled since it was converted over to CITI thankyou Premiere. I notified them and after some time they told me the card could n't be converted back. I told them it was n't my fault and I was following the guidelines put forth by CITI Bank and they just said there was nothing they could do. They forced me over to CITI Premiere since it has a annual fee of close to {$100.00} for just an additional point on the same purchases you can gain on CITI Thankyou Preferred. I feel that CITI Bank used deceptive practices to remove people from CITI thankyou Preferred card. Now I have to pay off this credit card by the first annual payment day and cancel the card, as I will do.
I see where Transunion reinserted a previously deleted information on my credit report. This is for XXXX account number XXXX. I disputed this with Transunion and nothing was done. This appeared after the glitch.
I have been a victim of the Wells Fargo scam that has been going on for several years. I opened my account in XXXX 2009. There was an incredible amount of overdraft fees and secret accounts were opened without my authorization.
I have to existing Chase accounts, acct ending in XXXX reduced credit line from {$5400.00} to {$500.00} and Acct ending in XXXX reduced credit line to {$5400.00}. Reasons our decision was based on these specific reasons from XXXX. I spoke with XXXX all of my accounts are in good standing, no delinquency, public record or bankruptcy. Please see specific uploads, all reasons on adverse action letter or incorrect. There is no delinquency, public record, or bankruptcy or one or more revolving accts have a high balance compared to credit line. Payment amount above the required required minimum on some chase cards is low. One or more credit cards have a high balance compared to credit line
After reviewing my personal credit file with XXXX I discovered a collection agency by name of Commonwealth Financial Systems. Inc.. Original creditor : XXXX XXXX XXXX. XXXX. Just a few minutes ago I reached out to Commonwealth Financial to find out why they are reporting negative item to my credit report. After reviewing invoice company sent to me in the mail I discovered they are attempting to bill me for services or hospital visit. I never I was never admitted to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2012. I disputed this item with XXXX more than 30 days ago and it was supposedly verified that the item is valid.. When speaking to creditor I asked them to provide documents to me to proof I was admitted to hospital. The representative from company stated they do not research or validate collection items and that XXXX is responsible for contacting hospital to obtain documents. This company clearly did not validate this item with XXXX or provided them or me with no documents to validate this debt. 

This creditor must validate that I owe this debt. XXXX has already given them more than enough time ( 30-60 days required by law ) to validate this item which they chose not to do
Hello - As per Federal Law, the statue of limitations, 7 years, has elapsed on this alleged debt below, even should it be ours. It is now ZOMBIE DEBT which under Federal law is illegal to report. We have asked Experian to remove the misinformation, however they refuse to comply with the Fair Credit Reporting Act ( 15 USC 1681 et seq. ). Please note, XXXX and XXXX as complied with the Fair Credit Reporting Act and removed these ZOMBIE accounts months ago. Please investigate why Experian is refusing to remove this inaccurate information and comply with federal law. 

1 ) XXXX XXXX {$6400.00} {$5000.00} 128 % Revolving Negative XX/XX/XXXX -- - 2 ) XXXX XXXX {$3700.00} {$2800.00} 133 % Revolving Negative XX/XX/XXXX -- - 3 ) XXXX XXXX {$6600.00} {$5000.00} 132 % Revolving Negative XX/XX/XXXX
I have been attempting a short sale on my property for about 6 months now. The BPO has come back higher than the relator has proved is market value for the house. We have had XXXX interior and exterior and XXXX exterior only BPO done. The XXXX was coincidentally the same amount that owed on the loan, the second that we requested was XXXX which was XXXX over the price that the condo next to me sold for. I asked that another BPO be done and they refused saying that they only do one every 90 days. How can a third party appraiser be able to make such claims when the real estate agent ca n't even find homes that compare?
I contacted Equifax about this " XXXX  XXXX Acct # : XXXX '' fraudulent account. I provided ; FTC report, Police report, Statement of facts, along with other verifying documents. Equifax & XXXX XXXX refused to remove the fraudulent account from my name.
Hello : I noticed 2 inquiries on my credit profile dated XX/XX/17 one from XXXX and the other XXXX. Neither company had a permissible purpose as I did not authorize or apply for any service or product with them. I contacted both companies and they are unable to provide any proof or information and advised me to contact the credit bureau to have the issue corrected. Unfortunately, the bureau just sent me correspondence stating that inquires are " factual record of file access ''. Nothing tangible or physical to validate the inquiry. Obviously, as a consumer it is evident that an inquiry overall is supposed to be a factual record of file access. However, my concern is that the inquiries listed should not be there in the first place. Therefore, there is a flaw in the supposed " factual record '' excuse I was provided. The information is factually incorrect. The inquiries were not authorized, non-permissible, and must be removed. I contacted customer service and was advised to contact the CFPB as the credit bureau is unwilling and the supposed creditor listed is unable to assist as they have no information available ; having provided them information. My countless efforts to rectify issue leads me here to CFPB. I seek your assistance to have the erroneous entries removed. Your help is greatly appreciated. Thank you.
I have a student loan with University XXXX that has had XXXX dollars foegiven as part of a XXXX forgiveness and is in defirment currently. On transunion it is stilll reporting as in collection and for XXXX. When it is current and is only XXXX. I have disputed multiple times to get it fixed to get a response that it has been confirmed in the wrong status of in collection and for XXXX. It is reported correctly on my other credit reports. I call XXXX and they state they are reporting it correctly. I am trying again with print outs from XXXX but this is now my XXXX or XXXX dispute with transunion.
On XX/XX/2017 I applied for an american express delta credit card. They offered XXXX mile if spend XXXX in 2 months and an additional XXXX miles if spend additional XXXX in 6 months. I was accepted for the card and spent {$3000.00} within 3-4 months but never got the miles. I called them a few times and the said they would look into it but nothing done and no explanation. One time I was told maybe I had an account before so I wouldn't get.

Not sure if had account before and offer doesn't exclude if had account before.
Made a purchase on XX/XX/XXXX. Had not received purchased item when the 60 day dispute time ( from time the charge appeared on statement ) came to an end XX/XX/XXXX so I disputed the charge. American Express took the merchant 's word that everything was on track and recharged the purchase. Still had not received the item as of XXXX/XXXX/XXXX so called to dispute again. Received email from merchant on XXXX/XXXX/XXXX stating a credit had been issued. No credit received and American Express still waiting for merchant response ( until XX/XX/XXXX? ). It has been more than 6 months - item not received and can not get XXXX XXXX to issue credit/refund despite time elapsed and documentation from merchant that credit was to be issued.
Debt owed here is to be payed by XXXX XXXX as I signed up with their cell service that comes with XXXX paying off the customers last bill. I have taken the necessary steps with XXXX XXXX as they should have payed you by now.
I currently have an open loan with Mobiloans an online lender, I received a loan from this lender for XXXX $ on XX/XX/XXXX and have been making biweekly payments XXXX $ XX/XX/XXXX,XXXX $ XX/XX/XXXX,XXXX $ XX/XX/XXXX,XXXX $ XX/XX/XXXX, XXXX $ XX/XX/XXXX which has been ACH debited from my account, I have paid XXXX $ to date XX/XX/XXXX, this loan is illegal in my state of CA and I want to pay what is owed on principal XXXX $ and the debt considered paid in full and have this account closed.I sent them a written notice making them aware of this and they have refused.
Specialized Loan Servicing, LLC ( SLS ) provided a single point of contact ( poc ) for all communications in resolving late payments on my 2nd mortgage. When I asked for a forbearance on the loan while I worked out the details, the single poc ignored the request. Sometime later, SLS acknowledged that the company received the request but did not act on it instead insisting on my mailing the request to another address. By then it was too late. The poc was never available and did not return phone calls. Often, I was left on hold for up to an hour before being cut off. The company repeatedly asked for documents it already had in its possession or would not explain what they needed. I believe these shady practices were an attempt to move the 2nd mortgage to foreclosure while pretending to help. I sold the home in order to avoid foreclosure.
I sent in a dispute letter to remove inquires to Experian on XXXX XXXX and I have not received a response back. I have tried calling Experian on XXXX XXXX and XXXX asking for status of the letter. I also have tried disputing the inquires over the phone. I am told that there is nothing they can do and they will remain on my credit report for 2 years. I did not authorize the inquires and I advise them they were not done by me. I was told to contact the companies to have them removed and I have tried that as well and the companies do not have any information on me or who I am, they told me to contact the bureau because obviously they were entered in error on my report. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. I would like the below inquires to be removed from my credit report and for the reason that Experian did not respond to me in 30 days and just ignored my previous attempts to dispute the inquires. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX 5.  XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 2nd issue : I have contacted Experian on XXXX XXXX and XXXX XXXX about a bankruptcy reference XXXX that is showing on my credit report that is not mine. Both times Experian stated that account was verified as being accurate but failed to provide any documents on how it was verified and with who. According to the Clerks Office of The United States Bankruptcy Court ( XXXX XXXX of GA-XXXX XXXX ), the US Bankruptcy Court does NOT send, furnish or report any information to credit bureaus nor does it know the procedure and process of said agencies. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The Experian Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature With that being said, I find it very hard to believe that this information was verified. I would like this judgement to removed due to Experian being able to verify or show proof that I own this account.
I had an auto loan with chase auto finance that ended up being a total loss on XXXX XXXX XXXX XXXX paid their portion of the loan in XXXX XXXX and I contacted the dealer I purchased the vehicle from to fax the gap paperwork so I can get gap to cover the balance asap. I got in touch with gap and got the process going and never heard another word from chase or gap. I checked my credit in XXXX XXXX and saw I still had a balance on this loan so I sent a letter to chase asap and they responded that the loan was paid in full and closed. spring XXXX I noticed when I went to purchase a vehicle the lenders kept denying me saying I was 60 days late within 24 months so when I looked chase marked me for date of first delinquency XXXX and 60 days late with account paid and closed XXXX. I contacted chase and disputed several times through the credit agencies. the chase reps I spoke with went above and beyond to help me and had a few lates I got from moving out of state due to the payment issues I had because I did n't have statements to send with the payments and I greatly thank them for their help and understanding. they had trouble with the account being locked and archived when they tried again to correct the issue so during the cra dispute process someone at chase that handles the disputes changed my status from 60 days late to 91-120 days late and that I 'm XXXX payments past due and no matter how many times I dispute it everytime I dispute it and they report it the same my credit score goes down more and more. the lates are still removed from the payment history and I thank them for that. XXXX and XXXX XXXX are the only XXXX I 'm concerned with XXXX reported correctly.
On XX/XX/XXXX, I received a " Notice of Collection '' from PennCredit Corporation in XXXX PA advising me that the State of New Jersey had referred collection of my delinquent account to their agency. The notice contains the following information : DEPARTMENT, COMM AFF - CODES & STANDARDS, SERVICE DATE - XX/XX/XXXX, BALANCE {$5600.00}. 
There is a case number and an ID number which I am not including because it may pertain to someone's personal information. 
The notice was addressed to my address, to someone who has a different first name than mine, but who has the same last name as my maiden name. I have not used my maiden name since I got married 32 years ago, I was not New Jersey in XX/XX/XXXX or any other time, I do not own property in New Jersey and I have never done any business with the state of New Jersey. The only similarity between me and the owner of this debt is a last name that has never at any time been associated with my address. This company is attempting to make a connection between the owner of this debt and a thread of information they located to attach the debt to someone. 
The have misused my personal information as it is not relevant to their purposes. It is through practices like this that people have their credit destroyed and it can take years to get it corrected.
I purchased a {$200.00} MasterCard gift card in California ( Card # XXXX ) at a XXXX store on XX/XX/XXXX. When I called to check the balance of the card, I was told that the card was not registered under my name and was told to open a stolen replacement card request. This card seems to have been fraudulently registered and used by another person since I have the physical card with me the whole time and never used it. I submitted all the info they requested on XX/XX/XXXX but never got a response.
The caller XXXX from National Credit Solutions called my place of employment. I asked to remove the number and not to call my workplace and they threaten to call back again and then requested to speak to my supervisor. The gentleman was very nasty, rude and disrespectful when speaking to me over the phone. I simply asked not to call my work place and he continued to say that he was calling back again and threaten to speak to my supervisor. The number I was called from was XXXX
My primary checking account with Bank of America had a balance of {$40.00} and a scheduled payment of {$34.00} was debited on Monday, XX/XX/XXXX which left a balance of {$5.00} in which I transferred to my joint account. This transfer left my primary checking account with a XXXX balance. However, that following day ; Tuesday, XX/XX/XXXX my primary account was debited for {$400.00} which resulted in an overdraft plus a {$35.00} return item fee. On Wednesday, XX/XX/XXXX, the {$400.00} was returned and my balance was a negative {$35.00} then later on that day, BOA reversed the XXXX payment and placed it in a continuing processing status, applied the {$34.00} to the {$400.00} overdraft reducing my overdraft balance to {$370.00}, then placing the XXXX charge of {$34.00} back to my account so that they could attach/profit from an additional overdraft/insufficient funds fee of {$35.00} leaving me with {$70.00} in fees - so far. After speaking with an account representative and informing her of how BOA changed my transaction postings and the fact that I was fully aware of the order in which they should be posted ; she attempted to explain further and I explained to her that I had pictures of the transactions as well as their dates. She stated that on her end, she could not see what I was speaking of and kept telling me that the XXXX transaction had cleared on XX/XX/XXXX and I kept telling her that it was still showing as " processing '' but was debited from my account on Monday, XX/XX/XXXX, then reversed and held to allow the {$400.00} to be processed - so again ; I offered to provide her with the pictures of the transactions but she stated that they could not accept pictures. Both of these items were ACH items and the XXXX item was dated for XX/XX/XXXX and the {$400.00} item was dated for XX/XX/XXXX. Then she stated that it was probably because I was using my mobile device and I told her that I was not as the information was displayed on my laptop. She then proceeded to place me on hold to review my account and see if I one of my fees could be waived but then told me that based on my relationship with BOA ; this could not be done. This is not the first time that I 've had a similar issue with BOA and they tell you the same thing every time but continue to rip off their consumers. I then informed her that I already sent a complaint to the Bank and will also be filing additional complaints because I felt as if this was unfair.
1 ) XXXX was collecting early termination fees that was paid by XXXX in full. XXXX has confirmation of payment receipt 2 ) The amount reported is also NOT the amount paid nor invoiced by XXXX.
I have been disputing a account on my credit report from XXXX with Experian Credit Reporting Agency. XX/XX/XXXX XXXX i sent a letter to Experian Credit Reporting Agency certified and XXXX certified mail disputing this account as not mine. I asked for validation of this account to include the original contract with my signature and identification and address. This account is reporting negative with a XXXX balance. How can a account report negative with a XXXX balance? .They are still reporting the account to my credit report as accurate which is a violation Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Once your letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. I want this account removed from my credit report for failure to to properly send validation of this debt.
This Cashier Check was stolen from the U.S. mail .., The company never got this payment so I stop the payment on it I stop payment on this cashier check and now this company that stolen the check from U.S mail are calling me and want the amount on the check paid to them., they are calling every day till I pay them WHAT THEY WANT {$70.00}. They tried to cash this check that never made it to the company I was paying the bill too?

They now say I own THEM DOUBLE {$140.00} this cashier check was lost in the mail and reported in XX/XX/XXXX!

I stop the payment They are trying to collect on this check in XX/XX/XXXX?
There is a address in XXXX for me on my report. I never lived in XXXX, or had a PO box in XXXX. I lived in Minnesota all my life.