WillisBack/dataset-financial-user-claim huggingface dataset:
Jefferson Capital Systems has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/XXXX and XX/XX/XXXX with no response. I never received a letter or statement from Jefferson Capital regarding this issue. The dates stated on this account are innacurate. I did not open an account with XXXX in XX/XX/XXXX. I have not had any dealings with XXXX since XX/XX/XXXX and the account was settled. This account seems to be closing and re-opening on my credit file. This company is stating that I owe the amount of {$830.00}, but no proper validation has been received. I request that Jefferson Capital verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
In XX/XX/XXXX I began employment with an organization called XXXX in XXXX, GA. XXXX XXXX XXXX I was hired as their XXXX XXXX XXXX XXXX. As such, I purchased a one year subscription from XXXX with my XXXX email address and my personal credit card. I departed that organization in XX/XX/XXXX and they immediately removed my access to that email address and continued using the XXXX XXXX account. Additionally, I believe they selected the auto renew option which resulted in another charge of {$400.00} in XX/XX/XXXX. So, in XXXX  of this year I was charged {$400.00}. According to XXXX XXXX, who refused to reimburse me because the account has been used by XXXX, they authorized payment. 
I contacted XXXX ( who by the way are a credit card distributor with the XXXX Visa Card ) who's VP of Human Resources admitted accessing the account but refused to offer me the reimbursement. 
I called Citi Card to report fraudulent use of my credit card and they claim it is not fraud? I'm not sure what to do. My card was used by XXXX without my permission and they locked me out of the XXXX XXXX account so I was unable to cancel, receive renewal reminders, etc.
US Bank has taken the deposit of my payroll check and withheld it from my " available funds '' for longer than their policy states. The check was deposited in the US Bank ATM in XXXX, California, at the same branch where I opened a savings and checking account on XX/XX/2017. The funds should have been cleared and unlocked today XX/XX/2017. It is now past business hours, and the funds have not been unlocked. Per a call to their customer service department this weekend, the funds were to be unlocked today by the expiration of the lock. 

The check is my payroll check from the XXXX, a local institution and the primary employer within XXXX, California, and a California State public institution ( part the XXXX Community College system ). Obviously this is a reputable institution and a well known within the local community. The check is {$2200.00}, but my total savings and checking balance is currently over {$9000.00} and includes overdraft protection. 

The letter from US Bank has this listed as their reason for withholding access to the funds : " We have information that leads us to believe that the check may not be paid '' " For your protection, we are ensuring the availability of your deposited funds. '' The most important statement, " These funds will be available no later than 7 business days after your deposit. '' Again, it is past the close of business. XX/XX/2017 to XX/XX/2017 is 7 business days. The funds are not unlocked. 

This is a new account, but this is the second abuse from US Bank where they have denied me access to my funds. They have a repeated pattern of abuse. Given the payroll check is from a reputable institution, I am certain this is being done to benifit the bank by playing with the " float '' cash balance - leverage their available funds by blocking a customer 's access to their personal funds. This is abuse. 

Worse of all, they only notify me of the funds lock by snail-mail letters. They have email options and do email me about my account. However, they refuse to use emial to keep me immediately up-to-date of locked funds on my account. Since I leave most of my monies in the savings account, which is the account used for the overdraft protection, I have three times been at risk of overdraft because of the locked funds. I 've had to needlessly transfer more funds into the checking. 

I believe the second reason for this ploy is to trigger an overdraft and, thus, an overdraft fee. 

US Bank is using a strict defense of their policies to hide games of " float '' and games to catch an customer off guard with overdraft fees. However, they are not following their own policies by locking funds past their 7-day policy. 

At the first chance, I will be closing all US Bank accounts. They are not a reputable organization. They are abusive.
I sent the following email to my loan servicer Navient. I just found out about alleged money old, so I don't have all documentation yet. The problem that I'm having is that I typically did all my correspondence online, payments, etc. I have no hard copy documentation of corresepondence, only what the navient website itself is reporting. The email reads as follows ( date sent XX/XX/XXXX ) : While inquiring on a loan from XXXX XXXX I discovered that there is an alleged unpaid loan serviced through navient that has been sitting there collecting interests for years. The loan is from XXXX. I had originally enrolled in an automatic payment program that drafted my account every month for this loan. I thought that the loan was paid off. I haven't received a bill or letter or any compliance from the Navient company since XXXX. I spoke to a Navient representative on the phone after my recent discovery of this unpaid loan. She stated that the loan was automatically put into deferment. I informed her that I never requested a deferment nor was I informed of any deferment on this loan. I started XXXX XXXX in XXXX and she stated that the loan must've automatically went into deferment. This information was never provided nor sent to me in any type a letter, email, bird, nothing. I used my credentials to log into this account ( after speaking to the service representative 2 weeks ago ). Low and behold, I find false documentation of alleged correspondence that was said to be mailed to my home -- dating back to XX/XX/XXXX. These documents were NEVER mailed nor emailed to me as falsely documented online. I need to speak with a supervisor or manager on this matter. I do not feel I should be held responsible for a loan that was secretly put into deferment for years to collect interest unbeknownst to me. I feel this was a ploy to gain interest and money and the expense of hard working students. The loan is now at a balance that is more than the original amount borrowed. Someone needs to contact me asap!. I can be reached by phone at ( XXXX ) XXXX or email at XXXX. Also, please send paper copy account audit info to my address below. 

XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX
XXXX XXXX XXXX reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XX/XX/XXXX, so my XX/XX/XXXX payment should of processed through my XXXX XXXX account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to Alitha ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought XXXX was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her what the name of the person who will be calling and she said she does not know. I asked her what time the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation  and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CALL from XX/XX/XXXX-to no avail. Now I have a late payment mark ( the only one I have on my all my reports ) due to XXXX being unethical and allowing their representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees.
I ordered, based on the recommendation of my financial advisor, my FREE credit report from Experian. Unfortunately I did not notice the verbiage that said I must cancel a future subscription within a time period that I DID NOT REQUEST in the first place! I understand this is a marketing tactic, but I think it is obnoxious and misleading. They 're taking advantage of people dealing with their financial status when they 're busy and stressed and they get you because of all the verbiage. Please help me get them to do the right thing for the CONSUMER. They should at the very least, give people in this position a one time courtesy refund. Then we will know for next time to watch for this process. 
Thank you. 
XXXX XXXX
XXXX XXXX XXXX XXXX XXXX called me about student loan forgiveness. They told me all I have to pay is a one time fee of {$1300.00} and they will wipe away my student loan. They said my payment will be {$0.00} for 242 days after that they will be wipe out all my student loan debt. They emailed me papers and I signed I had no ideal they opted me into a loan with a company called equitable acceptance. Also pretended to be me for an income driven plan that I could have done for free. So i have been paying them for a year now with an interest rate of 20 %. They did not tell me this verbally. I have no idea why I 'm paying this company from. I was scammed.
I am in a forebearance and the loans keep coming up multiple times under multiple companys but theyre the same loans. There was supposed to be no negative impact
Applied for new loan XX/XX/XXXX with very new permanent address for borrower and cosigner. Had to send verification of address and identity. They rejected serveral documents that were on their list. Made a call to them on XX/XX/XXXX to resolve and felt like we were on the right track. Got another email saying action was still needed and called again Sunday XX/XX/XXXX. During that call I accepted my interest rate and accepted my loan. I was informed it was now up to the school for dispersion. Yesterday we received a call that action was needed. At this point we should n't need any action as you can not accept the loan unless all parts are there. Not the case. I had to upload another document and correct the address once again. If the address was different you think they would have mentioned or noticed. While every representative was polite and as helpful as they could be, I am very displeased with discover. It was a long and frustrating process that was unnecessary.
I have sent in inquire letters, and called nothing was resolved. 
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fcu XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Hello, I have been working hard to correct some inaccuracies on my credit report, and after contacting the credit bureaus in the past and recently in the last few months Equifax continues to ignore me. I have received No response after 30 days and balance is not even on the creditor 's system because it was discharged, XXXX was sent, and I paid taxes. Equifax is misreporting it because they want to charge the credit or money for premiums every month. What another explanation is there because they ignore me completely. This is very scary! If this is happening to me. Who else is being affected? I have kids and am trying to just get into a home this year before rates go up, and I 'm getting this treatment. I paid my dues on the items in the letters attached. For XXXX of the accounts I received XXXX 's and did the right thing to pay taxes on the entire balance, and the creditor stated my obligation is done with them. Yes, Equifax XXXX the account and the re-reported the balance and dropped the score. Please help!! I know I 'm just one person, but I do n't want just to give up. Thank you, XXXX
I called to get a forbearance on my student loan because I have been taking care of my grandparents due to their failing health. I called on XXXX XXXX and they told me to call back as soon as I had my good faith payment {$150.00}. I called back on the XXXX with my payment and was told I was past due and could n't have a forbearance. I was not told of a deadline to call them back. Both of my grandparents were in the hospital so that is why it took me 5 days to call back. Now they forced me to pay {$590.00} that I do n't have because they said there is nothing they can do. If the mistake was made on their end I should n't be the one that has to make this payment. They refused to work with me at all. It was my understanding that student loan lenders were suppose to work with people that are trying to get a job. I attended The XXXX located in XXXX Kansas. I graduated XXXX 2015. I am currently looking for work as well as taking care of my grandparents.
Credit Care cancelled my credit card do to inactivity. This has affected ( lowered XXXX my credit score. I had do nothing wrong and had no late payments etc. Symphony Bank said my other card XXXX would also be cancelled do to non activity. This has large credit availability and will further effect my credit score. They want me to use my card and for them to collect interest or suffer the consequence. I see no other reason to cancel an account if it was and is in good standing, never late and paid the balances on time.
This letter is in regards to XXXX accounts that were recently removed from my credit report. This is the XXXX time I am sending out this request. Unfortunately, XXXX of them were disputed in error and must be re-inserted. XXXX were removed on Equifax 's end in error, as only the comments were unverified. Please re-add the following accounts back to my credit report and send me confirmation of this. I continue to receive no reply in regards to this and they refuse to correct this.
I went into the Navy Federal CU branch at XXXX XXXX XXXX XXXX XXXX, FL XXXX to do a withdrawal of {$3400.00} - they refused stating I had a charged off account. The charge off account was for approximately {$500.00} or less and I had already made arrangements to get this cleared up. They refused to allow me to make a withdrawal
Apparently, this company REFUSES TO REMOVE THE DISPUTE REMARKS, AND TAKE MY PAYMENT!!!!!! THEY HAVE DIRECTED ME COUNTLESS TIMES FROM ONE PHONE AGENT TO THE NEXT!!!! THEY SEND ME COUNTLESS COLLECTION LETTERS, YET, THEY DO N'T WANT TO RESOLVE THE ISSUE/TAKE A PAYMENT, BECAUSE THEY KNOW IT RUINS MY CREDIT AND IN TURN, MAKES IT DIFFICULT FOR ME TO OBTAIN A MORTGAGE!!!!! I 'M TRYING TO CLOSE ON MY HOME, AND THEY 'VE MADE IT DIFFUCULT DELIBERATLEY!!!!!!
XXXX of the addresses listed for me are incorrect. The XXXX address and the with the strange city XXXX in Louisiana.
I called USAA on XX/XX/XXXX18 at XXXXXXXX XXXX to report a transaction I didnt recognize. I was transferred from credit card to debit card customer service. The rep on the phone asked me for my ssn, name, date of birth, and phone number, and PIN for phone banking and I provided it all. They then asked me for my childrens names and dates of birth, which I felt was invasive and would not provide. I asked to speak to a supervisor and she refused unless I provided that info. After a lot of back and forth she did transfer me, but no one would access my account or take the fraud report b/c they say I could not verify myself.
Navient 's retaliatory actions in response to complaint number : XXXX will cause my wife and I unnecessary financial hardship and stress beginning XX/XX/XXXX. In the complaint, I alluded to what I felt was unethical practices with regards to how Navient was managing my student loans and stated their practices were consistent with the law suit filed against them on the behalf of CFPB in XXXX. It appeared there was little consistency in how the monthly payment monies were distributed between interest and principle. 

I called them on XX/XX/XXXX after getting their response via the CFPB website and asked for further explanation because I needed more clarification than what was explained in their response. They immediately went from explanation of my student loans distribution to pressuring me into a {$1300.00} monthly payment revision I couldn't afford. I declined and stated I could not afford a revision at this time. They continued to persist in me agreeing to 1 of 3 plans with {$1300.00} being the cheapest of the options. I requested they leave the {$450.00} monthly payments in place -- however unfavorable the current payment plan was until I start drawing my Social Security monies next year and at which time I would be better prepared financially the handle a bigger repayment. 

I was told they couldn't " change it back '' to the current payment agreement of {$450.00}, but I never changed the current agreement to begin with! I was merely asking for explanation of payment distribution. After arguing with them for 10 minutes and again explaining to them these were the same type of unethical practices the government sued them for, they terminated the phone call and sent me a new payment plan on XX/XX/XXXX totaling XXXX. 

The {$450.00} monthly payment constituting 1/6th of my monthly net income fit well within my budget. A {$940.00} increase results in a monthly payment of {$1300.00}, this is 1/3rd of my monthly income and will undoubtedly cause financial hardships. At XXXX years of age and facing employment uncertainties, I can ill afford to have this stress affecting my life. Where was the offer for an income-driven repayment plan, why wasn't there a mutually-agreed upon and documented repayment plan? Why not just leave everything in it's current state until I can make better accommodations next year? 

It should be noted that I never sought to revise the payment plan at this time.
In mid XXXX I sent a letter of my FTC report and the FCRA 605B law informing all three credi bureaus that I was a victim of identity theft. Equifax was the first to block all the fraudulent accounts. I noticed this change on XX/XX/2018. I was impressed and elated. However, The other bureaus required a police report. So, went to my local police department and filed the report on XX/XX/XXXX, and I forwarded the report to all the credit bureaus. I included Equifax as a courtesy. Upon receipt of the police report Equifax put all the fraudulent accounts back on my credit and The block was removed on XX/XX/2018. The disputed information was placed back on my prior to five business day. According to FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), I am required to be notified of any reinsertion within five business days. I have been in communication with Equifax reps on a frequent basis due to this ordeal ; and I have not received notice that it as added or an explanation. Equifax has politely assisted me in removing fraudulent inquiries that were removed the very next day. I know that they can promptly correct this error as well. In addition, I am not confident in the information that Equifax is providing about myself. When I attempt to access the dispute information on Equifax.com site I am unable to pass the verification process as they ask me about accounts I have no knowledge of. This is a difficult time for me as I never expected my identity to be stolen. Please block the fraudulent accounts as you originally did per FCRA 605 ; in which I have attached. Thank you
I sent the dispute letter below to Trans Union to correct the way items are showing on my report. I included pages from a prior credit report I retrieved on my own through a lender. When they went through their investigation, they now show one item " charged off '' for XXXX which is incorrect, it should be " paid '' and XXXX XXXX loans were paid off because I refinanced student loans that paid them off! They still reflect it incorrectly making it look like the accounts are still open which do affect my FICO accuracy with them. I want them all fixed per my original request. The XXXX one was the most shocking. Where did they get that info from stating it was charged off in 2016? It was not. It was paid and the company ended up being sold to XXXX who has been just awful. These bureaus need to be shut down because they 're incapable of keeping accurate records. I want both problems corrected to reflect " paid '' on all.
On numerous occasions I have had to escalate my calls several times to get any assistance with getting Bank of America to release my insurance funds held on a property claim. Not only am I having to deal with the stress of the tornado damage destroying my home, insurance process and rebuilding process, but when it comes to getting my money release to pay for repairs I should not have to be put threw the XXXX degree and have to call back a minimum of 3 times to get a payment released. I am told it only takes 2-3 days to get a check issued, but I have yet to get a check within a min. of 3weeks. 
In short, I can not solve the problem myself, and I do not want to continue to be provided the unacceptable service I have been provided. 
The last request for a draw on funds to pay the XXXX was submitted XXXX and no check has been issued and the bank could not give me a reason why. I need to bank to release the remaining funds being held so that I can finish rebuilding my home.
For a very long time I have made efforts in getting rid of a collection account or the medical that does not belong to me. Its clearly showing on the report the last reporting date was in XX/XX/XXXX and the company has failed to adequately provide me with documentation that the count actually belongs to me. The original that was in XX/XX/XXXX and I would be happy to view any signed paperwork by myself and a copy of any adequate identification that was provided during the transaction. Of course this does not exist in the account should be removed Immediately as required by law and the rules at Set fort for ID theft victims