WillisBack/dataset-financial-user-claim huggingface dataset:
I initiated an online dispute on or aroundXX/XX/XXXXin regards to two XXXX XXXX XXXX collections on my account, which is was never notified about. I am trying to clean up my credit but the disputes came back as valid. I then went online and checked out the claims with my health care provider. For the two claims, XXXX advised that I should not have been asked to pay more than {$8.00} ( I'm rounding ) for one and ( {$160.00} ) for the other. XXXX ended up initiating an additional payment for both of these claims around XX/XX/XXXX and left me a balance of {$50.00} on one and {$190.00} on the other. I was able to pay the {$50.00} online through the XXXX  website so at the very least, had a credible investigation been done, the amount due would have been updated. I was not able to make the other payment through the XXXX website so I called XXXX XXXX XXXX to make the payment over the phone. I was advised that they no longer service this account and to dispute it with the credit bureau. I again initiated a dispute with the credit bureau, only for it to again come back as validated.
I found forged XXXX also other settlement documents I had never seen before. 
I also had asked for XXXX insurance be placed on the loan and did n't discover it was n't on the loan or any type of protection until I had received copies of some of the documents that are obvious forgeries. I had also had been turned down 11 times for a modification before I was approved. I still do n't know what is missing that could also have been forged. These forged documents have also been notarized by the title company.There are many laws and. Clearly many laws and Federal regulations have been broken. He seen the documents. I just now learned of the XXXX XXXX dollar settlement that my lender or servicer was apart of. The servicers should have contacted me to let me know of this settlement. I called National Mortgage Settlement and they said too late nothing I can do. I am in a huge mess and do n't know if there is anything that I can do.
I have tried to contact XXXX and Experian by phone, mail and CFPB and the issues STILL hasn't been resolved. I am an authorized user on my mothers XXXX XXXX XXXX credit card. I've been an authorized user since she opened the card inXX/XX/2010. At one point it was reporting with all three company 's. For some reason XX/XX/XXXX deleted it and so did Experian. XXXX  is the only agency that is still reporting the card on my credit report. I've been told to contact XXXX XXXX multiple times which I did. XXXX  XXXX said nothing has changed on their end the credit agencies have to update their system and put it back. XXXX XXXX also sent a letter to XXXX two weeks ago and yet no change. This had a huge impact on my credit score because of their error and I am very unhappy
Inquiries not mine.XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX.
I do believe in early   XXXX  , I do n't have the exact dates, but a payment was made in full to  XXXX   XXXX  ( and they will have record of it  )  and 3 days later they returned the payment to the bank. No exclamation was provided to me. In those 3 days, I was under the impression my card was paid and paid some bills {$300.00}  ).  Needless to know now I have more to pay on it. Approximatel y 2  weeks later, another payment was made PAID IN FULL and   XXXX   XXXX   decided to sent that payment back to the bank after 10 days. I contacted them and asked why or how could they could just send a already made payment back not once but twice? They gave me the runaround and I did n't get a single answer. And to top it off, they have put financial and late charges onto a bill I have paid twice.     I feel like I was a victim of identity theft, and someone out there took my funds both times. I have never received any monies back fro both payments either.
I have been working with Navient for a few years ever since they went from   XXXX   XXXX   to Navient. Initially, they kept having me put my loans in deferment/forbearance and then stated that I had no other options for re-payment and just needed to pay what they were asking. After going back and forth with them they stated that they had a " income based re-payment plan '' that they could put me on. The payments were almost just as high and I still could n't make those payments. I 'm currently still on the payment plan but I am still having trouble making the payments and they say there is nothing more they can do for me. Sorry I do n't have dates.
On XXXX XXXX, 2017, I paid my account to XXXX for Capital Accounts LLC. Capital Accounts is a debt collection company. I called to advised them of my final payment and was told that they received my payment and my credit report will be updated in 30 days. After 30 days I noticed that the payment on my credit report increased to {$170.00}. I called again to see why my credit was showing a balance when I have paid the account in full. The representative assured me that my credit would be updated in the next 30 days. I waited another 30 days and my credit still shows that I have owe {$170.00}. I then sent an email on XXXX XXXX to Capital Accounts advising them that the information on my credit report is incorrect and to please update my credit showing that I have paid off my account. I have yet to hear back from anyone and my credit still shows that I owe {$170.00}.
1. I made student loans during period XX/XX/XXXX-XX/XX/XXXX. After graduation on several occasions I was unable to make payments. Particularly during since mid to late XX/XX/XXXX to this present, I made multiple requests to refinance to XXXX and in the latest years Navient ( took over XXXX ) to obtain lower interest rates available. I was repeatedly ignored through the years and denied the opportunity to refinance and save XXXX of dollars in interest payments. Several times I also asked over the phone and was told I simply " could n't do that '' without any real reason or explanation. 
2. Two months ago Navient decided to change my loan to deferment/forbearance staus WITHOUT my request or consent. After my complaint over the phone and threats of filing a federal complaint, they rescheduled my payments to a lower amount, a whooping 8.25 % interest rate, and now I have payments until XX/XX/XXXX! 
3. In addition, they consider the action described in above item # 2 as a " Consolidation '' and of course they have not applied any of the current interest rates which have been below 3 % for the last 8 years or so. 
4. I request to be included as a plaintiff in CFPB 's current federal lawsuit against XXXX/Navient.
I pulled my credit back in 2008 and saw a new credit card account on my credit file and immendity call the bank ( Chase ) and told them it was n't mine nor i did n't apply for this card. The bank said they would stop the account and send a message to the three credit bureaus to have the account removed. Never happened!!! I have filed several police reports and filed report with the FTC and CFPB and now i have filed a law suit against the bank locate in XXXX County NC. This account was fraud and they know it. Please remove it now and if not ill proceed with the lawsuit in District County in NC.
I have a federal student loan for two years of XXXX, both with high interest rates 5.4 % and 6.8 % respectively. My loan term was 10 years with relatively manageable monthly payments, but in an effort to try to reduce my loans faster, I made several larger payments even before my grace period ended, and tried to make big payments so I could pay off my loan sooner than possible. When I was making bigger payments, I would manually enter the amounts I paid towards the principal and interest. I was told that using the autodebit function would reduce my interest rate slightly, so I went with that. I was recently reviewing my payment history and discovered that by using the autodebit function, I was in fact paying a lower and lower share of my principal amount. I spoke to my student loan servicer today and discovered that they apply the amount so that my last payment conforms with the end of my student loan term. That means that by paying more now, I 'm effectively giving more money to the loan servicer over the long term and when I asked if they would revisit my loan term, they said I could request it, but it would not be guaranteed. How is this legal? How can I be advancing my payments and they we able to extract extra money from me because of it.
I received a Writ of Garnishment of Wages from my employer regarding a cell phone bill that is more than  7 years old . I was incarcerated when the debt went into default. I have not been notified of the debt from  Palisades   XXXX  or  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , located in  XXXX , MD, until this time. The {$710.00} debt has accrued other interest and fees over the years, totaling over {$1500.00}.
Can not get credit report after placing freezes on accounts with bureaus ... victim of identity theft and fraudulent accounts being opened ... ..my middle initial is incorrect corresponding with my social security ... .somehow the identity theft has changed my legal name.
For the past 8 month 's I have been fighting with a company called Receivables Performance Management LLC ( RPM ) in XXXX, WA regarding a debt that they claim I owe that I have disputed. At issue is a charge to XXXX for an account that was opened under my name, at a former address of mine that I do not live at and currently has an outstanding balance of {$370.00}. <P/>XX/XX/XXXX I received two phone calls from this company about an outstanding XXXX debt that I owed. I told them both times verbally over the phone that this debt did not belong to me and that I had never purchased XXXX and that I did not currently live at the address that was associated with the respective account. I did not immediately hear from them further and so I considered the matter settled. <P/>In XX/XX/XXXX while attending Military XXXX I received a letter from RPM again claiming that I owed a debt of {$370.00} to them as payment for the XXXX account they claimed I had. XX/XX/XXXX I sent a letter to RPM telling them that I disputed this debt, and had no responsibility for the debt they were attempting to claim. I informed them that if they had any substantiating records to support their claim to send them to me and if they had forwarded the debt to another party or reported it on my credit report that it must be shown to be disputed. I did not immediately hear from them further and so I considered the matter settled. <P/>Today ( XX/XX/XXXX ) I received a letter from RPM dated XX/XX/XXXX which included two statement dates and the billing periods associated with the debt they claim I owe. Besides the fact that I have never used any XXXX service, the address that is on the statement is an address that I have not lived at since XX/XX/XXXX. Furthermore, the two billing statements reflect Billing Periods of XX/XX/XXXX andXX/XX/XXXX. During XX/XX/XXXX I was still residing in XXXX XXXX XXXX XXXX  while XX/XX/XXXX XXXX XXXX in the XXXX XXXX and in XX/XX/XXXX I was ( and still am ) residing in XXXX while XXXX XXXX XXXX XXXX XXXX XXXX. I have not been to the address associated with the disputed account since XX/XX/XXXX. <P/>I have never used a service provided by XXXX. I 've never signed up for a trial use or created an account with them. I am concerned that someone has attempted to do so fraudulently under my name and as such RPM is seeking financial restitution from me. However, I am not responsible for this debt. And I 've communicated this to RPM not less than three times in verbal and written format. I am filing this complaint because of the failure of RPM to recognize that this debt does not belong to me and ceasing to harass me for money.
We place our condominium in XXXX RI on the market XX/XX/XXXX. The best offer was {$85000.00} -- well below the {$120000.00} we owe the mortgage holder ( Citimortgage ) so we applied for a hardship short sale, based on this extreme loss of value and my impending unemployment from my company of 15 years. 

It is now XX/XX/XXXX and we still have had not decision by the bank. They have requested the same documentation from us at least 4 times in the past year ( XXXX, pay stubs, self-employment income, etc ) and have repeatedly sent us offers for " trial period '' payment schemes that provide no interest rate, term of loan or outstanding balance. 

We have a short sale attorney working for us, but they too have been unable to get responses from the bank despite many many requests for resolution.
I sent in a XXXX dollar check for a lump sum payment to be applied to the principal only not the intrest and I wrote this on the check. Now that I am refinancing they told me that I do n't have to make a payment until XX/XX/XXXX but when I refinance I should not loose the XXXX dollars I put down.
I am filing this complaint against the following credit reporting companies. XXXX XXXX, XXXX, and Equifax. There are several accounts and credit inquiries reporting on all three credit reports that do not belong to me. This issue has been addressed on several occasions. I am requesting that these accounts be removed immediately or I will take further action against the credit reporting companies. The accounts and credit inquiries listed below are to be removed upon retrieval of this complaint. 

TXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Open Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1300.00} Terms : 1 Month High Balance : {$1300.00} Limit : Past Due : {$1300.00} Payment Status : Seriously past due date XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$290.00} Terms : 1 Month High Balance : Limit : Past Due : {$290.00} Payment Status : Seriously past due date Comments : Account in dispute-reported by subscriber XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5600.00} Terms : 42 Months High Balance : Limit : Past Due : {$5600.00} Payment Status : Repossession XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$180.00} Terms : 6 Months High Balance : Limit : Past Due : {$250.00} Payment Status : Charge-off XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5900.00} Terms : 29 Months High Balance : {$10000.00} Limit : Past Due : {$5900.00} Payment Status : Charge-off Comments : Account in dispute-reported by subscriber These accounts were not opened by me and are fraudulent. These accounts need to be removed immediately. 

Fraudulent Credit Inquiries : XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX Auto Reseller XX/XX/XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX personal XX/XX/XXXX XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Auto Financing Companies XXXX/XXXX/XXXX XXXX  XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXXXXXX XXXX and XXXX XXXX  XXXX XX/XX/XXXX
XXXX XXXX put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Also the collection it is about an old mobile account that as I know is paid as agreed and close years ago. Plus there is NO verification if they are registered in my estate.
20 year ago I put some money away now I ca n't locate my money I put away with chase
Ally Financial, specifically a person named XXXX at XXXX at extension XXXX is repeatedly call my number, my wife, friends, family and people I barely know telling them to call him and then have me call them. He even called a friend of my wife the day before our wedding on XX/XX/2017 that she needed to call him and have me call him before our wedding because there are serious issues going on. I am behind on payments due to my divorce and having to leave my job due to a dispute with my employer over funds they owe me. I am trying to get back on my feet but this is now clearly harassment.
I signed up for a XXXX XXXX through Chase primarily for the advertised benefit of {$100.00} off of airfare booked for XXXX people. Once I had the card and actually tried to use the benefit, I found that you can only book airfare which is more expensive than the best price offered by the airline, or a travel site, completely negating the advertised benefit, if not actually making the " discount '' price more expensive. They are advertising a false benefit for this product.
I have disputed incorrect items on my credit file several times asking for validation and verification, however the only response i 'm receiving is that it was verified. I responded with a certified letter requesting how was this incorrect information verified and to please send me the documents, the name and phone number of whom it was verified through. I even went to the courts whom stated they had no record of public record for me and that they do n't report to credit bureaus. Equifax is the only company reporting this on my file.
My brother was in a XXXX and they keep calling me to collect his debt it is not my debt to pay back
Used Citibank credit card to rent a car  XXXX / XXXX / XXXX . I was over-charged. I have the receipt to prove it.     I dispute the over-charge  with Citibank. Citibank c losed the dispute on  XXXX / XXXX / XXXX  stating this : " We have attempted to resolve this dispute with the merchant and/or their bank but have not been successful. The merchant refuses to issue credit to your account. They maintain this charge is for a portion of your rental.   We have no further recourse to obtain credit for you. You will need to seek other means to resolve this matter. We have now closed our investigation of this dispute. '' I feel that  Citibank should believe the consumer first. I showed the actual physical receipt showing the proper amount that should be charged. Citibank ap pears to side with companies.
I have a coinbase account, access to which is controlled by a 2 factor authentication ( 2FA ) code that is generated by an Authenticator app on my phone. On XX/XX/XXXX, I had issues with my phone, and I had to get the phone restored. I lost access to the 2FA code when I did this. Unfortunately, I did not store the secret seed key that is required for re-establishing the 2FA mechanism back on my phone. I spoke to Coinbase Customer service on XX/XX/XXXX and explained my situation. I was told to verify my identity by uploading my driver 's license, which I did. I was told that my account will be reset in 3 business days. This has not happened so far -- and I have been locked out of my coinbase account for 6 weeks now, with no access to my crypto funds. 
Since XX/XX/XXXX, I have spoken to Coinbase support at least 6 times, and exchanged at least 10 emails, but there has been no resolution yet.
TO WHOM IT  MAY C ONCERN :  American Express pl ace neg. statement on my  XXXX  credit bureau reports that 's not correct. I have communication on making payment on credit card debt, without notice  American Express c losed account and place debt under paid. Account number #  XXXX .     On second account number #  XXXX ,  American Express closed a ccount that was n't late or behind in payment. Ask well place account as neg., and unpaid on  XXXX  bureau reports.
XXXX   XXXX ,    2017  Consumer Financial Protection Bureau   XXXX   XXXX   XXXX   XXXX   XXXX  , IA  XXXX  RE : Complaint Against   XXXX   XXXX   To Whom It  May  Concern : I have requested from the creditor   XXXX   XXXX    and the  XXXX  major credit bureaus to update my credit report to reflect the correct beginning balance and that the account was paid in full, on a 90 days same as cash transaction. The response was that the creditor verified that the information was reported accurately.     I purchased a sofa with  ottoman  from  XXXX   XXXX   XXXX  and entered into a financial transaction with   XXXX   XXXX   with the intentions on paying off the remaining balance, after an initial down payment, within 90 days ( Same As Cash ) Not only did I pay off the balance in full, I paid it off in 60 days instead of 90. I also have a Certificate of Ownership from   XXXX   XXXX   that certifies that I own the sofa and ottoman outright.     From the beginning, it appears that   XXXX   XXXX   assumed that I wouldnt pay off the merchandise within 90 days so, they reported to the credit bureaus that my beginning balance was over {$2100.00} and the current balance is showing as over {$1800.00}  (  Please see uploaded documentation from my  XXXX  credit report ). The account balance has never been anywhere close to {$2100.00}. I only paid {$710.00} for the sofa & ottoman. I put down over {$200.00} plus taxes and delivery. I paid the initial, monthly rental payment almost 2 months prior to the  XXXX   XXXX  due date then the remaining balance of a little more than {$400.00} on  XXXX   XXXX . The deadline to payoff the balance on the 90 days same as cash agreement was  XXXX   XXXX .     I demand that   XXXX   XXXX   report the correct beginning balance and that the account is paid in full on all  XXXX  of my credit bureaus. Its damaging my credit and credit score when it appears that I went out and applied for {$2100.00} in credit when in fact, it was only {$710.00} and 90 days same as cash.     Thank you.
My Ch XXXX was filed in XXXX and paid in full and discharged in XXXX. It shows discharged with the 3 CRA 's. Asking for the information to be Early Exclusion. XXXX removed it from my credit report last year and here 's the Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
We have reviewed and considered the information, including the four attachments, you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that there is a bankruptcy on your report as a result of fraud. You stated that you have asked how the bankruptcy was verified and have gotten no answer. You stated that the court does not verify any information. You would like the account deleted from your report. Per your request to conduct an investigation, we contacted the public record vendor to verify the accuracy of the information with which you disagree. The bankruptcy has been deleted as a result of our processing of your disputes. A summary of your results was forwarded to you on XX/XX/XXXX XX/XX/XXXX