WillisBack/dataset-financial-user-claim huggingface dataset:
The company states that After receipt of XXXX XXXX complaint and review of the payment history, we confirmed that our client has record of receiving a payment for XXXX. XXXX loan on XX/XX/XXXX. However this payment was returned to our client as a debit card chargeback on XX/XX/XXXX along with a notification from XXXX XXXX financial institution that she had disputed this transaction as a fraudulent charge, resulting in a refund to XXXX XXXX. We asked our client to confirm the amount of her account, and they found no inconsistency in relation to the amount of payments applied to XXXX XXXX loan.- AD ASTRA Recovery Service Inc . 
The Original Creditor states XXXX  XXXX obtained a loan in the principal amount of {$500.00} on XX/XX/XXXX using her personal XXXX ( XXXX XXXX ) online account. The loan proceeds were deposited into the bank account XXXX XXXX provided at loan origination. XXXX XXXX loan account was placed in default status on XX/XX/XXXX when successful payment on the loan maturity date wasnt received. Thereafter, collections activities commenced as allowed by law. XXXX XXXX contacted XXXX  XXXX to set up a payment arrangement, however, the agreed upon payments were not made. A review of the loan history reflects that XXXX XXXX initiated a collections payment for the past due balance on XX/XX/XXXX as authorized in the signed loan agreement, which paid the loan in full ; however, on XX/XX/XXXX, this payment was reversed by XXXX XXXX bank resulting in a chargeback and the balance being owed again.- A XXXX XXXX XXXX XXXX XXXX XXXX. 

Both companies made the above statements in regards to an initial complaint filed through the CFPB on XXXX, and the dates they specified as receiving payment and then a chargeback dont reflect the same days that are stated nor do they match the date reflected on either statement submitted. 

Both companies state there was a charge back in the month of XX/XX/XXXX and if that were true there would be another amount of {$610.00} that doesnt reflect the charge of ( $ XXXX- on the date of XX/XX/XXXX ) with the transaction date showing XX/XX/XXXX. 

Both companies denied the second payment of {$610.00} on XX/XX/XXXX because of the amount. All 3 Credit Reporting Agencies show a balance due of the said amount which is why I paid such amount. 

XXXX XXXX states that I procured the loan via the XXXX XXXX website online which is in fact untrue because I went into a local branch in XXXX, AL @ XXXX XXXX XXXX. 

Both companies state that they dont accept or report inaccurate debt amounts but all reporting agencies show otherwise. Again if you review the attached statements, you will see that there was no chargeback or credit awarded to my account in the amounts the companies recall. Any chargeback would be reflected on the statements as a Provisional Credit and as you can see there is none.
On XXXX XXXX, XXXX I got a student loan with Navient, which my father cosigned on. I have been making payments on this loan since then, which is 12 years, on time every month. My father passed away on XXXX XXXX, XXXX. So I let them know that he had passed, And they sent me a letter stating - That my cosigned student loan has been referred to XXXX XXXX XXXX to resolve the outstanding balance. They may attempt to contact the executor of the cosigners estate. If I provide a new, credit worthy cosigner for my loan, they can recall the account from XXXX XXXX. The promissory note that I signed provides that the loan may be declared in default and due in full if any borrower or cosigner passes away, however, they wo n't declare the loan in default as long as I continue to make regular monthly payments. 
My concern is that they sent it to a collection agency already, and it will be going on my credit report.
In XX/XX/XXXX Capital One closed my credit card account " due to inactivity ''. This were my oldest credit accounts and has negatively impacted my credit score by over 100 points. 

My credit card from Capital One was opened in XX/XX/XXXX. My last payment on the card was XX/XX/XXXX and it was closed without my consent on XX/XX/XXXX. 

Why all of a sudden did they close it after nearly 7 years of inactivity?? 

I did not receive notice that they were going to close my account. I have called them numerous times to try and have my account reopened and they are denying the request " due to their policy ''. 

I can understand closing an account due to inactivity but I think there should be a way to reopen the account and start using it again. Especially since the credit score system calculates your " credit age '' only based on your accounts that are currently open.

I have seen online that other people have successfully had their accounts  reopened by filing a CFPB complaint and am hoping to make some progress in recovering the last decade of my credit history.
Professional Finance Services this  company is making my life a living  XXXX  they are reporting on my credit bureau saying i have and auto loan with them and it has been repossession i told this company before to send me the document stating that had a loan i never had a loan with this company and they are reporting on my credit of  XXXX  in  XXXX    XXXX   they want remove this inaccurate information please help
I am XXXX on XXXX and unable to make payments at this time. Kohn Law Firm has taken me to court on behalf of XXXX Bank for the balance. They call and send me mail daily threatening garnishment, lein on my property, going after my ex and further action. XXXX is also suing me for the same on a XXXX XXXX account.
PORTFOLIO RECOVERY XXXX, VA XXXX PHONE : XXXX ACCOUNT NUMBER : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify PORTFOLIO RECOVERY A or any company associate with this account # XXXX, XXXX, XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX, XXXX, XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
I initiated an ACH transfer with Capital One Bank to transfer money from another bank to my Capital one Bank money market account on XXXX/XXXX/XXXX. Per Capital One Employee XXXX XXXX XXXX id XXXX ), the funds were received in my Capital One account XXXX/XXXX/XXXX. Per Capital One XXXX XXXX XXXX employee id XXXX ) Capital One held the entirety of the deposit without making any of it available until XXXX/XXXX/XXXX. This is a violation of XXXX law. CFR 229.10 subpart B states : ( b ) Electronic payments ( 1 ) In general. A bank shall make funds received for deposit in an account by an electronic payment available for withdrawal not later than the business day after the banking day on which the bank received the electronic payment. 

Capital One 's website funds availability policy states : Deposits made via check drawn on another bank and ACH deposits that we initiate on your behalf will be held for 4 business days. 

In other words, Capital One 's stated policy violates federal law.
On XX/XX/XXXX2016 I was alerted on my XXXX XXXX account that Credit control corporations had opened a collection account on my credit profile dated XXXX XXXX, 2016. I have received no correspondense on this account totalling {$210.00} on XXXX and {$250.00} on the other. Credit control corporations has not provided:1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and 7.Your license numbers and Registered Agent
When I pulled my XXXX credit back around XX/XX/XXXX I realized that there were multiple Student Loans on my credit report. I contested those loans given I did n't sign as a co-borrower for these loans. I also just finalized a Chapter XXXX bankruptcy. I have my own Federal Student Loan that has been on pause while I was in Bankruptcy. When I logged onto Navient I realized they were listing all of my ex-wives loans on my account as well. I have requested the original promissory notes and it is obvious that at least four of the six promissory note signatures have been forged. I want to take my name off as a co-borrower on these loans. My ex-wife has entered a diversion back in XX/XX/XXXX for forgery charges. In addition, in XX/XX/XXXX she was charged with a misdemeanor and entered into probation for embezzling money as the PTO Treasurer of our daughters school. I simply want my name taken off of these loans as a co-borrower due to forged signatures.
Equifax did not properly protect their databases and as a result my personal information was compromised. The breach was discovered in XXXX XXXX and Equifax did not notify the public until XXXX XXXX. 150+ million adults were impacted which is almost 70 % of the adult population. The credit check industry is a scam and a conflict of interests for consumers. You can not have a company offer services to protect your credit as well as be the gatekeeper to your credit information. There is no incentive to protect your credit when they make money off selling protection services.
Yesterday, XXXX, XXXX, 2016, I personally went to USBank, XXXX XXXX XXXX Branch to inquire about my Cashier 's Check that I never received. Go to find, XXXX XXXX, Personal Banker sent the Cashier 's Check by XXXX, but the Check never arrived. XXXX, Personal Banker gave me a print out of the XXXX information. I then, checked with the Drop-Off Location, XXXX Store # XXXX, XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, CA ( XXXX ) XXXX. They only had a record of it being dropped off on XXXX XXXX, 2016 at XXXX XXXX. So, they told me to call XXXX ( XXXX ) XXXX to locate the check and I found out that the check was " LOST ''. They CAN NOT find the location of the check since it was dropped off at the hub in XXXX XXXX, CA. Now, since the check is LOST it needs to be investigated and it will take time to locate. 

I went back to USBank to explain what happened and there was " NO ONE '' in charge. " NO BRANCH MANAGER '' nor " NO ASSISTANT BRANCH MANAGER '', only the Personal Bankers that told me there 's nothing can do for me. They firmly said, they " WILL NOT VOID '' the LOST CHECK, nor will they " ISSUE ANOTHER CHECK ''. And, that I had to wait 90 days until they resolve this issue in order for them to issue me another Cashier 's Check. What kind of bank business is this? It makes " NO SENSE '' whatsoever. The FACT that I am reporting this check being " LOST '' by XXXX, they are still adamant to not issue me another check. SERIOUSLY?? 

Firstly, XXXX XXXX, Personal Banker took it upon himself to " CLOSE '' my Checking Account without notifying me by phone. Secondly, he had the Branch Manager XXXX XXXX XXXX send me a letter which was sent " Regular mail '' that, I received with no problem ( why did n't they include the Cashier 's Check in that envelope )? On the letter it states that it was sent " Certified Mail '' which is a " LIE '', because the envelope has no notification of it being sent " Certified Mail ''. Thirdly, my Funds are lost and they want me to wait for 90 days before they issue me another Cashier 's Check with " NO FALUT '' of my own. I find this to be completely " UNFAIR ''. 

Instead of the Personal Bankers, being helpful and apologetic ; they treated me with total disregard and disrespect.
trying to remove these accounts  XXXX , from  XXXX , equifax, and  XXXX .
My account was over-drafted to - {$13.00} on XXXX XXXX. Around XXXX on XXXX XXXX I accepted what is supposed to be an " instant '' quick-pay from another chase account for {$30.00}. So my balance showed it was positive at that point, and I was relying on the small amount of money I had to pay for food and laundry this weekend. Then in the morning I check my account and saw it was - {$17.00} since Chase had charged me {$34.00}. Now I can not wash my clothes or eat for 2 days. I am a college student and this is absolutely devastating to my financial situation. {$34.00} might not seem like a lot of money to Chase but to me it made a huge difference. When I called them they were not understanding and told me there was nothing they could do. {$34.00} is over three times as much as it was over-drafted by.
I have no idea what payday loan they claim I have defaulted on and they keep calling me, my work and people I know using a recording saying they are searching for my whereabouts and its legal for them to call all contacts on file to find me, Press XXXX to talk to an operator or call XXXX regardless if I have information or not. They call around 5 times a day. I 've spoke with a lady XXXX time and they have personal information that does n't match the time frame they 're claiming this happened and she told me they have me on breach of contract and fraud. I requested copies of the original information and they emailed me XXXX letters with their letter head that say nothing more than what they told me on the phone. I asked if they had a fraud department and she told me since they have all of my information it 's not fraud and I 'm responsible for paying them.
Nationstar mortgage servicing company has placed a real estate tax escrow on this account and refuses to remove it even though the owner has paid the taxes herself. They are treating the account as being in arrears and holding the P & I payments in suspense account and treating those as in arrears also. There are no Taxes due and the city has stated that all payments ( 2of them ) by the mortgagee will be returned to the mortgagee. In spite of numerous tel. calls, during one of which the agent of Nationstar gave me deliberately false info. and after four letters detailing this, they still refuse to rectify this and record the payments properly and remove the escrow. This is now damaging the owner 's credit by showing up as late payments and arrearages.The letters are dated : XXXX XXXX ; XXXX XXXX ; XXXX ; and XXXX XXXX all of 2017. The phone calls were in between with the false info. coming in the phone call on XXXX XXXX.
I have written all three reporting agencies of the incorrect information on my credit report. I have received letters confirming the information is correct, and I supplied documentation that shows it is not correct. Letters were sent out on XX/XX/2018. Return letters were received XX/XX/XXXX and XXXX, 2018. The information of my bankruptcy is stated as confirmed with the United States Bankruptcy Court, I enclosed a letter from the Courts indicating that they do not report this information to credit agencies. As part of my privacy, I believe this information should be deleted from my credit report. I have attached documentation supporting my claim/dispute. Please follow up on this and have the incorrect information removed.
I applied for American Express Delta Gold Skymiles card ( account number : XXXX XXXX XXXX ) back in XXXX XXXX, when it had a promotional offer of XXXX Delta miles + {$50.00} statement credit towards Delta flight after spending {$2000.00} in 3 months. I was about to book a ticket on Delta and called before application to make sure I was eligible for the offer ( which was confirmed by Amex phone representative, but original agent said {$1000.00} spending was required ). Subsequently, I called after approval to double check the terms and was told I need to spend {$2000.00} to be eligible for the bonus. A bit strange that spending requirement changed, but OK. However, even after I spent {$2000.00} and waited several months, my account was not credited with XXXX Delta miles. I spoke with another Amex representatives via online chat function who said they will investigate the issue, but have n't heard back since. 

I finally just spoke with yet another Amex representative ( XXXX XXXX, XXXX ) and I was informed that my account is ineligible for the sign up offer because I had a similar product several years ago and now all personal Amex credit cards have once in a lifetime signup bonuses. 

I repeat that before I applied for the card and while I was satisfying spending requirements I was told multiple times I am eligible for the sign up bonus. I feel Amex was intentionally deceptive and outright misleading false advertising to make me spend the required amount ( {$2000.00} ). 

I request Amex credits my account with XXXX Delta miles are per sign up offer. There were multiple opportunities to notify me that I 'm ineligible for the sign up offer when I was inquiring about it a ) before I signed up b ) during the call to double check spending requirements. 

I conservatively value XXXX Delta mile at XXXX cents, so XXXX miles is {$1000.00}. 

Sincerely, XXXX XXXX
I made a purchase on my XXXX credit card of {$2700.00} XXXX dollars. At the time this would exchange at {$2000.00}. Going through PayPal I was charged 2-1/2 percent ( {$53.00} ) -- - {$2100.00} -- -which is almost XXXX times the bank card rate.When I complained to PayPal they said that I had agreed to this in some general consumer contract and that I could not choose to have the XXXX dollars be charged directly to my card. There was no mention of this excessive charge in the Pay Pal transaction. The Information is well-buried in the consumer agreement so I could not avoid the charge. I feel that this is an abusive and deceptive practice
I actually never once received a bill from either the medical company or the debt collector. I only found the bill myself when I was purchasing a home and it was on my credit report. I called about XXXX numbers before I found XXXX working service. I paid the bill because I dont want it on my credit, but I never received a bill or phone call from either company. I had moved during the time of service XX/XX/XXXX until now XX/XX/XXXX but had my mail forwarded each time. I would have received communication had they called or sent the bill. This hospital had several bill for me during this time and never sent a bill to me for any of them. I now have to have this on my credit because the debtors wont take it off even though I never recieved anything for it and tracked it down myself and paid it!
On XX/XX/XXXX I received a notice from Portfolio Recovery Associates trying to collect on a debt I do not owe. 

I Mailed a letter to Portfolio Recovery Associates on XX/XX/XXXX letting them know I do n't have a debt owed to them. 

I asked them to prove this account was mine. 

I have not heard from them. 

This collection account is not mine. I do not own Portfolio Recovery. I have attached a copy of the letter I received from XXXX XXXX XXXX XXXX which is dated XX/XX/XXXX which has the account number : XXXX I have also included a copy of my old credit report from XXXX which is dated : XX/XX/XXXX which was 7 years and 3 months ago which had Portfolio Recovery listed with the same account number of : # XXXX This account is actually a " Time Barred Debt '' after 4 years. According to the old credit report Portfolio Recovery Associates opened in XX/XX/XXXX and was last reported XX/XX/XXXX. The original Creditor was listed as : XXXX XXXX XXXX which I have no recollection of when this account opened. I do n't remember even having an account from XXXX XXXX XXXX. I do not owe this debt as it shows it was issued in XX/XX/XXXX. This was 12 years ago.
I sent a dispute asking Convergent to verify this debt. I was looking to receive a signed consumer contract stating I indeed owe this debt. I received an old billing statement.
On XX/XX/XXXX phone number XXXX called my cellphone and said they were a lawfirm looking for my son ( who is an adult ) on a personal matter regarding his social security and he needed to respond immediately. I called and told this woman that this is not his phone and not to call again. The number that you are told to call back on is XXXX XXXX. She tried to represent herself as a legal person and he had a personal matter that needed taken care of. I told her not to call my cellphone or personal phone number ever again because this is not related to me or my husband. She got very nasty and has not stopped calling my home phone.