WillisBack/dataset-financial-user-claim huggingface dataset:
IC Systems has regularly and consistently called my phone number with the intent to harass or annoy. Calls are placed using an auto dialer and I when I answer the call is disconnected. Even though I have repeatedly announced that I am on the line and can hear agents typing, talking and laughing, the call is always disconnected by IC Systems. No matter how many times I have answered the call they continue to hang up. 

Additionally, when IC Systems first contacted me via mail about this bill, I responded by calling and letting them know this debt was disputed with XXXX Hospital and was under a Quality of Care review. The hospitals administration has admitted that the care received was not up to standards, including potential exposure to XXXX and XXXX due to staff failing to properly follow equipment sterilization processes, repeated lost XXXX and failure to be seen by a physician ; ultimately resulting in my leaving the hospital without care. A review of my file with the hospital administration showed it was hours before the hospital and staff realized I had left without being seen or discharged. 

I am asking IC Systems to cease contacting me and return the debt to XXXX Hospital to be forgiven. I do not feel like I should pay for substandard services that potentially endangered my life. I am also requesting this item to be suppressed and deleted from my credit bureau report.
I have attemped to resolve this is sue with Credit Reporting Agencies and the comp anies included in my complaint.   Approximately 18 months ago I started receiving delinquent noti ces from I.C. Systems, INC.  {$890.00} and  XXXX   XXXX   XXXX  {$99.00} that 's located in Washington State for accounts opened in  XXXX  and  XXXX   XXXX  respectively. I advised them that I 've never lived in or visited Washington  State.  My son by the same name and obvious ties to my address was stationed in the  XXXX  there. I was advised in early  XXXX  by th e I.C. Systems INC.  and  XXXX   XXXX   XXXX  that the matter would be resolved and taken off my credit record.   AS of  XXXX   XXXX ,  XXXX , the incorrect information has not been corrected and continues to negatively effcet my credit history and score. Please advise.      XXXX   XXXX   XXXX
On XX/XX/XXXX, I logged into the Navient site and scheduled a payment of {$300.00} through their make a payment tab. The payment was later marked reversed on my list of transactions on Navient 's site. 

Today, XX/XX/XXXX, I was told by a representative of Navient that the XX/XX/XXXX payment was refused ( by my bank ) for " various reasons. '' I had checked with my bank on XX/XX/XXXX and they never received the XX/XX/XXXX request for payment from Navient. They have no record of it in my account, said the XXXX  XXXX XXXX representative. 

On XX/XX/XXXX, I set up an automatic payment from my checking account of {$500.00} through XXXX  XXXX XXXX XXXX automatic bill pay to Navient. I did this through XXXX. Today, this payment shows on the XXXX  XXXX XXXX site as having cleared, but then the XXXX XXXX XXXX representative looked closer and told me Navient had refused this XX/XX/XXXX payment on XX/XX/XXXX. 

On XX/XX/XXXX I spoke to a Navient representative on the phone who told me he would put in a ticket and look into my payments, which had not shown up in my Navient transactions online. 
When I talked to another representative from Navient on XX/XX/XXXX, I was told that " ticket '' was " double escalated '' but that I could not talk to the employee at Navient to whom it had been handed off. 

On XX/XX/XXXX I logged in to Navients site and set up a single payment to Navient from my XXXX  XXXX XXXX Checking account of {$10000.00}. 

On XX/XX/XXXX I checked the transactions on Navients site and saw that that {$10000.00} payment is listed as refused. 

On XX/XX/XXXX I called Navient and was told that if my payment of {$10000.00} went through, it wouldnt show on my transactions because it would be sent directly to the Department of Education and then, on some future date, be taken off of my loan amount without any transaction showing on the Navient site. It would be as if I never borrowed that amount. This same representative told me Navient is part of the Department of Education. I researched this claim online and found that Navient is a private institution and not part of the government. 

In summary, I have been trying to pay off my loan from Navient electronically in various ways. None of my attempted payments, either done through Navient 's site or XXXX  XXXX XXXX XXXX Bill Pay app has gone through. To date, no Navient representative that I spoke to on the phone has double-checked my XXXX XXXX XXXX account information.
We purchased several lights for our house from a furniture company on XX/XX/XXXX totaling to over {$3200.00}. After being promised we would receive merchandise within 10 days of purchase, we never received the merchandise delivery. The furniture company kept saying the merchandise was not shipped yet or stuck at customs. After waiting 1 month since purchase and never receiving merchandise and no new expected delivery date, after numerous follow ups with the vendor, our request for refund was declined by the vender. We were left with no choice but to file a dispute with our credit card company Citi.

Citi bank dragged out the claim for 5 months. We have called and followed up with Citi many many times with no resolution. Since XX/XX/XXXX, Citi has repeatedly promised over the phone that it was resolved permanently and would receive the status via email. But we have received a couple " dispute update '' emails ( the latest on XX/XX/XXXX ) stating a conflicting message. The emails stated that the investigation was still ongoing and there is still no resolution. We have spoken to several supervisors of billing department and dispute department who told us that they have no control over the dispute update which is supposed to be sent by the investigator who can not be reached by either us or Citi 's own supervisors of Billing and Dispute departments.

The bottom line is that the credit should be awarded to us PERMANENTLY ( NOT " CONDITIONAL '' ) after 5 months of back and forth and Citi 's " investigation '', since we have never received merchandise. Unfortunately, Citi has handled this simple dispute extremely unprofessionally!
I have battled the complete incompetence of XXXX for over a year. 
I was hopeful after receiving an email from them on XX/XX/XXXX email that this unbelieveably XXXX mess wth my account and more importantly, my credit reports, would FINALLY be corrected and I could put this behind me. However, just when I think it 's not possible to make a bigger mess of things, XXXX manages to do just that! I received notification today of correction/updates to my credit reports so, with high expectations, I proceeded to pull and review the corrected credit reports. Can you even imagine the utter frustration I felt when I realized that my XXXX credit report, the XXXX bureau that had previously been correct, is now INCORRECT. XXXX, against the laws of the FCRA has been reporting a 12 1/2 year old bankruptcy to the credit bureaus. In my last correspondene to them I indicated that all but XXXX had been corrected and asked them to get that correction taken care of immediately. Because no one took the time to actually read ALL of my previous correspondence via letters and email, XXXX incorrectly REMOVED my current account with them from my credit file with XXXX ... .WHY??? The information contained in my XXXX REPORT WAS CORRECT as I had told them numerous times. XXXX NOW shows only XXXX XXXX account and it shows that account as CLOSED! In an email from XXXX they specifically indicated in paragraph XXXX : '' As a result of this conversion, you will have XXXX XXXX trade-lines ; XXXX prior to XX/XX/XXXX and the other post XX/XX/XXXX '' and that all Bankruptcy remarks on ANY accounts would be removed. 

The problem is that now my current/open account with XXXX has also been deleted. This error has lowered my XXXX credit score XXXX points!!! 

A CORRECTION NEEDS TO BE MADE IMMEDIATELY TO MY XXXX REPORT ONLY adding my current/open XXXX account back to my credit file WITH NO REMARKS!! 

**I tried to address this with XXXX directly, but I might as well have been talking to a stump! 

NO OTHER CHANGES TO ANY OTHER CREDIT BUREAUS SHOULD BE MADE! 

Please, please, please I need your help! 
Thank you! 
XXXX XXXX ( XXXX ) XXXX
I opened a Citbank Citigold bank account, I was to received XXXX XXXX miles for opening account. In XX/XX/XXXX, citibank confirmed I qualified and completed the terms of the promotion and miles would post by XXXX XXXX. Miles have not posted and CitiBank is refusing to honor the promotion.
XXXX XXXX XXXX # XXXX {$240.00} This account is unknown to me. I have disputed this account to Trans Union on as many as ( 5 ) times since seeing it on my credit report. I have reported this unknown account to the FTC and was provided with an Affidavit case number XXXX on XXXX XXXX 2015. 

Pursuant to the FCRA and the FDCPA I now exercise my right to question the validity of this debt you claim is verified but yet I have received the FULL validation documents as dictated in the creditors debt collection declaration and is due under the Fair Debt Collection Practices Act section 809 Validation of Debts. It is not just that the Trans Union can state that they have verified a debt that I know is not mine and therefore can not be validated as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). I request that Trans Union please forward their FULL Validation package to me by mail.
I heard about the Equifax hack last week. I went to the internet site to determine if my information has been compromised. Each time I attempted to get information from their site, their site application hung-up, froze, I called and was told the site was overloaded. I suggested they make more resources available to handle the requests. Several days passed. Site still hangs. I tried to call several times and now get disconnected. I want to know what the status of my exposure is because of Equifax 's error.
Despite having an agreement made two months ago with Wells Fargo to pay a credit line ( debt ) with $ XXXX monthly payments for six months ( at which time we will see if I can pay more ) or continue the {$300.00} a month, I am receiving multiple phone calls from XXXX from Collections with the message, " XXXX wanted me to call you based on your agreement ... '' XXXX had no information about the " agreement '' with her supervisor XXXX ( noted in detail below ), but is calling me anyways. I told XXXX the agreement was {$300.00} a month, which is what I have been doing for three months now. She said XXXX told her to call me but had no other information. I then received yet another call from XXXX asking about this " agreement '' she has no information on and transferred me to her supervisor XXXX. 

Apparently, XXXX, whom I made the monthly payment agreement with wants me to pay the debt in full now and is having XXXX call me. I have explained now three times my financial situation and my inability to pay it off at once ( I 'm a new small business owner XXXX ). I offered my 2015 tax returns to illustrate my inability to pay the debt in full ( out right ), but the Supervisor XXXX told me, " lose the attitude, XXXX. I 'm going to follow my boss ' recommendation and sue you. '' XXXX then immediately hung up the phone as I began to respond to his threat. He hung up on me after telling me Wells Fargo was going to sue me regardless of answering the multiple phone calls from XXXX and paying {$300.00} every month as per the agreement made with XXXX at Wells Fargo. He does n't care and wants it paid off. A representative from Wells Fargo 's remediation department called me and left a message. I called the representative back only to have her tell me that she ca n't talk to me about the debt because it 's in my husband 's name. I reiterated that my husband gave Wells Fargo ( specifically XXXX ) verbal confirmation to discuss the debt with me. Apparently, the remediation dept representative did n't know about the case/issues prior to calling me. I noted to Wells that this is becoming a joke, but I 'm left with the threat of a lawsuit from a huge bank festering over my head. 

Hearing that Wells Fargo is going to sue me is causing me XXXX and I 'm a XXXX yo XXXX ( XXXX ) mother of XXXX. Small business owner in XXXX XXXX. 

Being harassed and threatened with a lawsuit is frightening.
When this collection agency first contacted me ( XX/XX/XXXX ) about an alleged {$180.00} debt from XXXX, I immediately sent a debt validation request ( XX/XX/XXXX ), requesting bills, contract, etc. They did NOT send me any of the requested information, but they did stop calling and writing me for exactly 1-year. Now, *EXACTLY* ONE-YEAR later to the day ( XX/XX/XXXX ), they mailed me another letter, and are calling me again ( XXXX times a day ). This is without providing any of the validation requested in XX/XX/XXXX. What is more disturbing is that they changed their name from XXXX XXXX to Diversified Adjustment Service and changed my account number, presumably to wrongly renew collection efforts, which they would not typically be able to do, having not responded to my validation request.
EXPERIAN continues to refuse to delete an old XXXX XXXX  account opened in XX/XX/XXXX and closed in XX/XX/XXXX. This account was from a divorce dispute with my former spouse and is old, outdated information.
Sectio  n 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
When I went to   XXXX   XXXX   XXXX    searched they name and DBA name it came up No records found : Please check your fields and try again.       They call and call and have no Bond to collect in Texas ...     Under  Credit Control Service DBA Credit Collection Service Bond Numbers   XXXX  and  XXXX  is Not Bonded to collect in Texas Amount they trying to collect is $  XXXX  not know this Company
I reviewed my credit report from Transunion and noticed many inquiries that are not mine and I do not recognize and did not authorize my credit to be run. I contacted Transunion and they were very rude and I did not receive any relief to have the inquiries removed. Below are the inquiries and dates : XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX
On XXXX/XXXX/16 I received a " Collection Notice '' from Credit Collection Services ( XXXX XXXX XXXX, XXXX, MA XXXX, XXXX ) claiming I owe an unpaid debt of {$490.00} to XXXX XXXX Bank. I have mailed a letter dated XXXX/XXXX/16 to this company, and to the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA, stating that this is a fraudulent claim in that I never had any account or financial relationship with XXXX XXXX and owe no such debt. I also never received anything from XXXX XXXX or previously from this collection agency regarding any alleged debt, and the Collection Notice provided no mechanism for refusing the claim.
I refinanced my home earlier this year using Pentagon Federal. Escrow signing took place on XX/XX/2016. I received a letter from XXXX today XX/XX/2116 dated XX/XX/2116 letting me know that the ownership of my XXXX lien mortgage had been transferred by Pentagon Federal Credit Union to XXXX. This transfer was effective XX/XX/2116. I never received correspondence from Pentagon Federal or XXXX letting me know that this was going to occur. It was my understanding that I had to be notified 15 days before the transfer became effective.
In XX/XX/XXXX, my XXXX was discharged during a foreclosure. There is a XXXX balance. Two years later, I noticed a claim was made by Dyck O'Neal stating I owed {$7100.00} in reference to a mortgage. They put this amount in collections and reported to all XXXX credit bureaus. 

I have never done business with this company nor have I ever signed any agreement for any balance that they claim I owe. 

I tried mitigating this issue by disputing their claim through the credit bureaus but was unsuccessful. Their willful act has not only violated its obligations under the FCRA, but it has also prevented me from obtaining a mortgage in the amount of {$140000.00} in XX/XX/XXXX and, more recently, {$200000.00} in XX/XX/XXXX.
XXXX XXXX and Quicken Loans is not excepting my Cert. Of Eligibility I received from military service. I was issued one XX/XX/XXXX and had it renewed XX/XX/XXXX. They say that the COE is not any good.
Credit card lost in 2017. Walmart replaced with a new credit card but this old card still shows up on my credit report. I would like it to be removed.

All other collection account was closed on behalf of the company. I had no late payment and kept cards up to date.
For years I had a Bank of American credit card ( opened XXXX 2008 ), I used the card and made the payments, my payments had been on time for years. I typically had a balance on the card. I would pay it down to a couple of hundreds dollars then use it again, pay it down, etc. Then I paid the card to a zero balance and immediately Bank of America cancelled the card. It was like they had a computer program that they could set that said if this card pays to zero cancel it. So in effect they were ok with me as long as I carried a balance and not ok once the cared was paid to zero. Yes like a lot of people I have had financial issues but they have improve considerably over the last few years. So when my credit was at the worst BOA was ok with me having their credit card, when I was able to pay them off and my credit was better my reward was to be cancelled. I think BOA has a history of this action for a lot of consumers and it is fundamentally unfair. Would be interesting to know how many times they have cancelled a consumer 's credit card at the point it was paid to zero
I have recently pulled out my credit profile from Experian company. I have found out XXXX or more accounts that are incorrect, I have contacted the credit report company, Experian, to ask them to investigate the incorrect accounts that affect my credit files. But Experian sent out the letter that said " we received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you ''. ( see attachment ), although I have enclosed my government ID and a recent electric bill. The reason I have sent many letters to ask Experian to investigate, because Experian has listed many incorrect items and infomation on my credit report. I can not send XXXX letter to ask Experian to investigate for XXXX or more items that are incorrect. It just does n't make any sense to me to receive this letter from Experian. They Just wanted me to dispute online via their website, and I did. But when I tried to dispute the incorrect account and they did n't let me do it. They said it was investigated for previous disputation. Now I try to access their online result to attach with this letter, but it said the system error ( see attachment ). I 'm not satified that. Please help me to resolve this matter. It affects my life, and make me distressful. 
Thank you so muchtruly Yours, XXXX XXXX
I have several credit cards through J P Morgan Chase. I have had to carry a balance on these cards because of emergencies and various other expenses. I have a perfect payment record for over ten years! I recently called this bank to ask for a lower interest rate ( now at XXXX % ) and this terrible institution refused after a half hour on the phone. Is this agency doing anything about this legalized loan sharking? Why are these criminal interest rates allowed to stand? Credit card reform is almost meaningless without attacking these high rates. Again, I have a perfect payment record for over a decade- no late fees, no missed payments. Please advise. Thank you
My name is XXXX XXXX XXXX and I am XXXX. My XXXX number is ( XXXX ) XXXX and I have been XXXX since XX/XX/XXXX. The business is located in a brick and mortar store which I own with no loans or mortgage and the location is XXXX XXXX XXXX, XXXX, VA XXXX. My complaint is about a problem with a Lowes business account of ours, an account that we have had since XX/XX/XXXX. The problem started as a result of a failure of Lowes automated credit card service ( an IT programming problem ) that has resulted in our credit limit being reduced by XXXX % through Lowes. In our attempt to get the credit limit reinstated Lowes tells us that after 22 years with this credit card they can find no valid information that we exist, have a valid location, and they can find no credit information or credit report on us in which to reinstate the credit limit - Very curious because Lowes provide this credit card in XX/XX/XXXX along with original credit limit. As a result of all of this all of the Lowes ' credit underwriters are talking in circles without saying facts other than " try back in 90 days for a credit increase '' - What?
This account is supposed to be {$0.00} balance, not {$180.00}. I attached Letterhead in the last complaint number XXXX when you stated you would update account to XXXX balance but you never did it. Now it is XX/XX/XXXX and you still have a balance that i know Child Support did not send to you. Child Support updated account every XXXX of the month. If the is nothing to report like XXXX balance nothing gets sent out. Please remove this account from my credit report, on XX/XX/XXXX, if there is something to report child support will send it to you.
I reported XXXX XXXX for XXXX but wanted to change the charge or the full XXXX XXXX. I have attempted to contact Citi but I can never and I mean never get ahold of them. They even went as far as to block me from writing to them on account portal. I want justice and to provide any docs that are needed for my behalf. I do not understand why I can get ahold of any of my other banks but it is a nightmare to get a hold of them. I was even on the phone for another hour on hold to get to the dispute team. Customer service always says to just wait or call again. This does not solve anything and I am a client and demand to talk to someone who can help. Citi is build very XXXX. They do not answer their emails, they do not call me back on my requests for call back. How do they expect me to get them the information they require when they do not respond to me?
I send a dispute letter to Experian on XX/XX/XXXX and Experian ingored it while the XXXX response to my letter which was send 2 days after i notified Experian. 
When i tried to dispute online experiance refuse to dispute the information while XXXX did send them through investigation and deleted two of them. 
I learned that experian is notorious for not properly and throughly investigating consumer disputes and i want the CFPB to take notes about experian bad practices. 
The following are the account that experian is not disputing : XXXX XXXX XXXX .... Deleted by XXXX and Experian refused to thoroughly investigated it. 
XXXX XXXX XXXX XXXX .... 
XXXX XXXX .... 
XXXX XXXX XXXX  XXXX .... Deleted by XXXX and experian refused to investigated it.
On XX/XX/XXXX I signed a contract or agreement with XXXX XXXX to settle credit card debt I had on three credit cards. I paid them {$18000.00} in monthly installments of {$820.00} over 20 or 22 months to resolve my debt. They took my money and did nothing to settle my debt. On XX/XX/XXXX, I received a summons/ law suit from XXXX XXXX XXXX and agreed to a settlement amount of {$6000.00}. XXXX XXXX  sent me a check for {$3800.00} to assist in this agreement. Now, I still have 2 other credit card accounts with outstanding balances they agreed to fix that are being reported negatively on my credit report making it difficult to make a big purchase at a reasonable interest rate.