WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX 2014 I enrolled in an online program at Argosy University. Everything was done online and it was expedited in a very quick manner ( in less than 2weeks ). I received an email from the adviser on XXXX/XXXX/14 that I started class that evening. As I received access to the student website I quickly realized that it was n't the program for me. I called the advisor on XXXX/XXXX/14 and informed her that I wanted to withdraw from the program, I did n't want to attend it because it was n't what I expected out of the course. It was n't until I had access to the student website that I was able to go through all the class information. Upon receiving a statement stating that I was responsible for the semester tuition I called the Registrar office at Argosy and they informed me that I was responsible for the tuition because I withdrew before the drop date which I later found out was on XXXX/XXXX/14. Trying to speak to someone there is horrible. You get voicemails and no one responds. I have been transferred to the Tech Dept. ( that 's how bad it is ). I also spoke to the Financial Aid Dept. as well and no one has helped with this matter. They are very quick to say that I passed the withdrawal date so I am to pay the balance accrued in my account. All I want is a transcript which will state that I dropped the class.
I was shocked when I reviewed my credit report and found late payments, and I've called and send couple of letters to capital one to ratify the situation and it still hasn't been resolved. I'm definitely not an expert when it comes to this, 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.
In XX/XX/2018 cardholder sought lodging in XXXX area for work. 
XXXX XXXX, XXXX XXXX, XXXX, broadcasted special daily room rate via the company 's web site. Buyer data entered including account number XXXX. In returning confirmation details, XXXX changed the terms of the sale ; its per diem room rate became variable. The advertised daily room rate was fixed, " x dollars per night. '' The vendor was telephoned and asked to cancel because my employer would not accept variable rate terms. Vendor indicated supervisor was notified with 3 other offers in lieu of total cancellation. After discussion ran its course for a resolution, deduction was same, hotel company unwilling to charge fixed rate. The resulting claim came as a surprise.
LVNV IS REPORTING A COLLECTION TO MY CREDIT REPORT FOR THE PAID OFF CREDIT CARD.. MY NUMEROUS ATTEMPTS TO REACH THEM TO REQUEST THE VALIDATION OF THIS ACCOUNT OR DELETION WENT IGNORED AND THIS IS STILL DAMAGING MY CREDIT. PLEASE HELP AND REMOVE THIS FROM MY CREDIT REPORT IMMMEDIATELY
I purchased a vehicle inXX/XX/XXXX and a part of the GAAP coverage was paying for auto insurance. The dealer offered XXXX for auto insurance coverage, and I paid for their services to start. 

After I discontinued with XXXX because I found a cheaper offer, I was charged additionally for another month. I had to argue with the bank to return the funds because the auto payment was not set up with my consent. 

The bank disagreed and the account was closed for proper payments schedule. I was informed to contact XXXX and have them repay the payment made. The bank was not able to remit the payment due to the charge being placed on my credit card. 

I have a collection services requiring onXX/XX/XXXX that I settle the amount 50 % of {$270.00}. I will not settle by paying {$130.00}. I am not trying to pay these charges. 

The bank did not pay me back and XXXX XXXX XXXX took payments from me fraudulently in the month ofXX/XX/XXXX. I wish to request a repayment of my funds and to accurately change my debt and debt owed to my financial reporting agencies and credit reporting agencies so that I can improve my credit score ratings. The balance of {$270.00} needs to be returned to me immediately.
In pursuit of a fraudulent debt assigned to Professional Debt Mediation by my former landlord, XXXX XXXX XXXX, a fake Certified Mail notification regarding a claim on my {$300.00} rental deposit was generated on X/XX/2016 in order to steal it and cover up the fact that a claim on it had already been submitted to the Credit Reporting Agencies more than two moths prior without notifying me about it beforehand in violation of Florida Statute 83.49 ( 3 ) ( a ), which requires that landlords notify former tenants within 30 days via Certified Mail ( unless the tenant vacates or abandons, which is not applicable when the Courts order the Sheriff to possess the apartment on behalf of the landlord ) of any intention to impose a claim on the deposit and also to refund the deposit before continuing any additional collection activities ( see XXXX ). Moreover, the landlord feloniously intercepted the fake Certified Mail notice on X/XX/2016 with the help of the XXXX for the route -- who was obligated to forward all of my First Class mail on a permanent basis as of X/XX/2016 ( see section 2.3.7 at XXXX for details regarding the applicability of Certified Mail as it pertains to Change of Address requests ) -- in an effort to prevent me from finding about the landlords illegal conduct.
I contacted my card services at Payal. After having difficulty with them on several occasions I sought an accommodation under the XXXX to try and avoid repeated hang ups. I was told that Paypal does not accommodate people with XXXX, that it was not a XXXX they deal with and that they are an online company so they do not need to comply with the XXXX or giving me equal access to good services and my money. Further they suspended my card while travelling and did not have anybody available to un-suspend my card. While travelling, most people have deadlines, them suspending my card and not being available to turn it back on and then hanging up on me because I needed my funds and became stressed when they where not available. XXXX Id XXXX refused to give me an accommodation and stated she does not do " that '' I asked to speak to someone who could accommodate my XXXX but XXXX hung up on me after threatening me that I would not be served by anyone else.
On XXXX XXXX, 2017 I sent a two dispute letters to Transunion for XXXX XXXX ( Account # s XXXX & Account # XXXX ). I received a response for Account # XXXX on X/XX/2017. I did not receive a response for Account # XXXX and the disputed item has not been addressed or responded to at all. I sent XXXX additional dispute letters on XXXX XXXX, 2017 for XXXX XXXX ( Account # XXXX & Account # XXXX ) this time by registered mail that were received on XXXX XXXX & XXXX, 2017 see USPS Tracking receipt attached. In the letter for Account # XXXX I noted that my dispute had not been address and requested that the item to be deleted for inaccurate reporting. On XX/XX/2017 Transunion responded that Account # XXXX had been updated. However, again I did not receive a response from Transunion regarding Account # XXXX, nor have any corrections or updates been made on my report. Its now been over 38 days since the receipt by Transunion of my 2nd dispute letter request for XXXX XXXX Account # XXXX ( sent by registered mail ). Ive yet to receive a response from Transunion or have any corrections or updates been made to my XXXX XXXX Account # XXXX. Based on the rules of the Fair Credit Reporting Act, Im requesting that XXXX XXXX Account # XXXX be DELETED.
I DO NOT have a signed contract with XXXX XXXX XXXX. I am not liable for the debt that this company claims I owe. My name is missing my middle initial on the correspondence sent to me. I always use my middle initial. My name as it appears ok my credit report has my middle initial.
Credit Center Inc has threatened me with legal action if a debt, that has been proven unverified by the bureaus, is not paid. It states I have 14 days to make payment or reach an agreement or the account will be forwarded to an attorney for legal action
My lender kept opening an escrow account for the taxes they said I did n't pay. I got receipts of all my taxes that I paid and yet they are forcing me to pay towards an escrow while they take their time in resolving this issue. By the way this is the second time they are doing this to me. Next month I am force to pay an additional {$270.00} towards an escrow they said I owe? I called and fax all my proof of receipt and they did acknowledge that they got it but still wont resolve this issue.Please help
I have stop payment on Lend Green due to finding out they are not regulated in the state of Ky. I went into my bank, XXXX XXXX XXXX XXXX, on XXXX and put a stop payment on them but they went into my 2 weeks later under alternate originator number. I have sent an email to the company to stop all ACH and I filed a complaint with Ky XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
In XXXX XXXX, I received a flyer in the mail from Citibank that offered me a promotion to open a Citibank CitiGold checking account. The bonus offered XXXX AAdvantage miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account alongside with spending {$1000.00} on the debit card. 

After enrolling and successfully opening up the account with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I Confirmed with Citi that I fulfilled all terms of the offer and that I should be receiving the bonus no later than my XXXX XXXX statement cycle. 

After reviewing my XXXX XXXX statement cycle, I did not receive my bonus points as promised. I contacted Citi on XXXX XXXX, XXXX and they said that an internal investigation was opened on my behalf. 

On XXXX XXXX, XXXX, Citi 's investigation team informed me that my bonus was denied for the following reason : " This promotion was not offered in conjunction with the opening of your account '' I called Citi on XXXX XXXX to appeal the denial, citing written confirmation from Citi that states : - The promotional offer is attached to my account and ; - I qualified for the promotion and ; - I met all requirements to receive my bonus. 

In the call on XXXX XXXX, they state that they will re-open the investigation and that I should receive the results in 2-3 business days. 

Its XXXX XXXX now and the case is still pending. 

It really looks like Citi is trying to pull a bait and switch on me. It 's been two months since the promised bonus and I have not received anything.
The loans being reported are past the statutes of limitations. They are between XX/XX/XXXX and XX/XX/XXXX and should no longer be reported on my credit report.
As of today   XXXX   XXXX   XXXX  ,  XXXX  shows an open account with  XXXX   XXXX  with an outstanding balance of {$810.00}. They show this account was initially reported as of   XXXX   XXXX   XXXX       I have received no bills, and have no idea what this is for. I have confirmed with the  XXXX   XXXX   XXXX  at  XXXX  that I owe no balance to them. That all charges that would appear as  XXXX   XXXX  have been paid and no balance outstanding since  XXXX .
I have disputed the following with all three CRA 's with a dispute reason of " contract cancelled '' notating " no contract '' from XXXXXX2017 forward. The accounts were never verified or validated by the CRA 's and no additional information was provided. 

The contracts were cancelled with the creditor and I did not sign any contract with the collection agency that they sold the account to making my liability with the collection agency null and void. 

XXXX- {$310.00} XXXX XXXX- {$310.00} XXXXXXXX XXXX XXXX - {$870.00} XXXX XXXX XXXX- {$60.00}
I sent over certified mail on XX/XX/XXXX requesting documentation about this collection debt ( {$120.00} ) showing inaccurately on all 3 of my credit reports from Southwest Credit. It should not be on there at all and looks bad on my part as a consumer. They responded back with a generated letter ( within 30 days ) showing I owe {$120.00}. In return, I sent them another certified letter on XX/XX/XXXX ( which they received on XX/XX/XXXX@  XXXX ) showing that I do not owe them anything that came directly from XXXX XXXXXXXX XXXX. On XX/XX/XXXX, they sent me back the same generated letter they sent out before showing I owe {$120.00}. If what I sent over was actually looked at thoroughly ( proof ) and confirmed, then they would not be reporting false information. My documentation, as mentioned, shows that this information is inaccurate and needs to be resolved asap.
I DO NOT KNOW THIS COMPANY. IT A SOME SORT OF COLLECTION AGENCY. 
I DO NOT WANT TO DEAL WITH THEM AS INFORMATION IS INACCURATE
this account was compromised and new lines where added without my knowledge or consent given. I spoke with both the creditor when the issue was bought to light after receiving an accelerated billing statement and extra lines where added to my account. I asked both XXXX and the collecting agent ( review recorded messages XXXX to investigate how these additional lines were opened and activated without my consent and to make amendments to the bill to only include the authorized line on the account. Nothing has been done to correct the account since 2009. I ask for full validation of this account ; when and where the lines were added ; a copy of the signed contractual agreement and any other documentation that validates my authorization to add lines to this account.
As of XX/XX/2018, I have reached out to a creditor who is reporting negative/inaccurate information that is reflecting on my credit file. I have contacted Consumer Portfolio Services several times asking them to verify the information that they are reporting to the credit bureaus in reference to this particular auto loan. Despite my many formal request under the FCRA requesting that they validate the trade line and send me the verifying documents, which I am entitled to under FCRA Section 616, and 617. They have yet to have done so, I have also sent several letters demand that the unverified trade-line be removed from my report immediately, All attempt have been unsuccessful.
I just tried to use my  Walmart cre dit card tonight   XXXX     and it was declined. I checked my account and found my credit limit was dropped from  XXXX  to  XXXX . I just recently paid my balance dow n to   XXXX  . It t ook about a week for this payment to post to my account. When it finally posted I made purchases totaling  XXXX . Now instead of having all this available credit which looks good on my credit report, my card is maxed out. I have had this card for about a year and a half and have never missed a payment. I called customer service and they said it was due to a recent credit inquiry that my limit was decreased. This is unfair and is not good on my credit which I have worked so hard to repair. I have 100 % on time payments on all credit lines on my report.
My credit bureau is showing inaccurate information to the bankruptcy filed in error the bankruptcy court said they never supplied this information to the credit bureau so therefore it was obtained by another source and reported incorrectly. I 'm requesting that the bankruptcy that is listed on my report be removed. This is effecting me from obtaining a home and causing financial distress.
The number I 'm being called from is XXXX. The collectors hang up when I ask for an address to write a cease and desist letter Ability Recovery Services
I was shopping for a new electric service provider online and was quoted {$200.00} deposit to start service with XXXX XXXX XXXX, I decided to go with another company and never paid the deposit for XXXX XXXX XXXX and never intended to do business with XXXX XXXX XXXX. 
I started receiving collection calls and told the representatives that I never agreed to proceed with the service. 
I recently applied for a mortgage and was told VIRTUOSO SOURCING GR had reported a collection of {$28.00} on my credit report and the original creditor is XXXX XXXX. 
I filed a complaint with the XXXX and received a response from XXXX XXXX stating that I enrolled in service on XX/XX/XXXX and services began the following day on the XX/XX/XXXX.

I have a receipt for payment on the XX/XX/XXXX to XXXX XXXX XXXX. 

I feel this is very deceptive to appear as XXXX XXXX XXXX but actually be XXXX XXXX, and require a deposit to start service and then start service without the deposit and without my knowledge. 

Now my credit report is being affected by this unfair and unethical business practice. 

I have explained this to the company directly, and provided the receipt for payment to the company I chose to do business with on the same day that I was told I enrolled with XXXX XXXX. 

All I want is this removed from my credit report.
Kia Motors has charged me taxes for the whole XXXX year for my previous lease with them and are also charging me taxes for the whole year of XXXX for my current lease. I should only be charged for taxes for the amount of months in that year that I owned either car. However they are charging me for the whole year for both. 
I calles them to dispute this, they said I need to pay the full amount and ask for a refund of each extra tax they charged me. They will then process this and refund me. I was given conflicting information about this when i paid the full amount of taxes for the first car, was told that I would only be charged for the prorated amount for the new car. However that was a lie and I am being charged the full amount for both cars. 
I dont think this is right. I shouldnt be charged the whole amount if I didnt lease the car for the whole year. They should only charge a prorated amount no matter what the town charges them for taxes. What about people that are not aware of this process?! They pay Kias taxes for the car that they didnt even lease for the whole year.
It shows a past due in the amount of {$54000.00} on my credit report with no payments being made. I am current on my account and making monthly payments of {$55.00} each month.
On XX/XX/XXXX I sent a debt validation to Waypoint Resource Group which they received on XX/XX/XXXX. In response the collection agency provided a account number with a bill/account history. I filed a complaint through the CFPB on XX/XX/XXXX advising that collection agency did not provide the documentation that was asked for which was to validate the alleged debt in questioned. The collection agency responded to complaint advising that their records are correct and accurate. I am filing another complaint because I requested for validation of the debt not verification. Providing a bill/invoice/statement is not a form of validation of the alleged debt, it is a form of verification which is not what i requested.
Both my wife and I have student loans which are being handled by Navient. Neither of our loans were being handled by Navient initially, but were purchased after some years, mine about 2 years ago. My previous loan holder was XXXX. What is happening is either misallocation of funds or something worse. When XXXX sold my student loan debt to Navient I had prepaid my balance by over two years ; meaning my due date was not officially for over two years. I was still making my payments, in fact I like to make two equal payments each month to reduce interest and to level out my cash resources as my student loan payment is my largest monthly bill. Upon purchasing my debt, Navient did not grant me the two years prepaid status I had achieved at great sacrifice. When I called Navient upon how I could ask them to give me that prepaid status I was given vague instructions on how to send a letter to someplace I'm not sure even exists, the online form certainly does not exist. I have called the company on multiple occasions so far and each time they " add back '' a couple of months prepaid status. But that status should advance with each full monthly payment I make, but it does not. In four months and with four full monthly payments made, plus an additional amount adding up to at least on extra payment, I have a due date of the end of this month. This even wouldn't be the end of the world, even though having that prepaid status gave me a great deal of relief in these uncertain financial times, but their system will not let me make partial payments if they are not the minimum due! My minimum payment is just under $ XXXX. I like to pay between {$800.00} and {$1000.00} TWICE a month depending upon cashflow. Their system will not let me pay that way if I have a due date of the current month because they say it has to be at least as much as the minimum payment due and their system can not recognize that I am actually usually overpaying by $ XXXX. So not only are my overpayments not continuing to advance my due date. Not having my due date advanced does not allow me to take control of my debt and pay it off the fastest, least interest accrued method available to me. But it does not benefit them for me to pay off my loans quickly and I am getting very sick of spending my time on the phone with a representative who does not have the authority or the know-how to fix my problem and often difficult to understand. The problem is the web site and likely dubious legal practices in allocating my funds that Navient is already being sued for.
I applied for a job in XX/XX/XXXX, 2017. I needed FBI clearance. The result of my clearance ( great! ) came from the potential employer. To my surprise, there is a {$1000.00} account in collections from XXXX XXXX. I have never had a XXXX XXXX account in my life. I have never been notified of a debt from XXXX. I called the company ( after XX/XX/XXXX ) who was listed as the collection agency : Stellar Recovery, Inc. XXXX XXXX XXXX XXXX, XXXX. MT XXXX.I spoke to a representative whose name I forgot to write down. I asked who? What? When? Where? How? She knew nothing. She placed me on hold for 20 minutes but could not find anything on this debt. I asked to speak to a Supervisor. I spoke in great length to XXXX XXXX. He could not find anything, but promised to get more information from the creditor. I have called him several times to follow up on our initial conversation, but can never get him on the telephone. This is very disturbing. Had I not needed FBI Clearance, I wold have never know of this debt because it does not show on XXXX XXXX. I need help.
On XX/XX/XXXX or thereabouts, XXXX USD was sent to XXXX to send to my bank in XXXX. The exchange rate on the date of receipt was XXXX/USD. Therefore {$130000.00} should have been received by my XXXX Account. Instead only {$120000.00} was received. 

I asked my XXXX bank about the shortfall, but they indicated that the money was received in XXXX, so they were not responsible for the bad exchange rate. I was told by XXXX that either Wells Fargo or XXXX may have been an intermediary on this transaction, but I could not get any details without help. Help was difficult to get, as even though it was my money, the intermediary banks would not speak to me as I was not " their customer. '' I wrote XXXX, President XXXX, and he was responsive. His subordinates helped get in touch with Wells Fargo. Wells was initially unhelpful and tried to obfuscate and blame others in the transaction. I had the good fortune of knowing someone that could read XXXX messages. Eventually Wells Fargo admitted that instead of routing the funds to my bank 's USD correspondent bank, they routed the wire to XXXX first, and took a hefty chunk of my funds in the process. Eventually, Wells did get XXXX to refund about half of the shortfall, but the other half remains unaccounted for.