WillisBack/dataset-financial-user-claim huggingface dataset:
I had XXXX separate debts with the department of veterans affairs. These debts have been paid off and now have a zero balance. I have disputed this information 3 times with Equifax and they refuse to update this information correctly even after providing letters from the VA to them showing zero balance. I spoke with the VA and they advised they reported zero balance to Equifax for these accounts.
I was called and offered a XXXX dollar loan that I've been needing to help with bills. They deposited XXXX dollars into my account and they wanted me to buy 2 XXXX XXXX cards to put this money on too and send them the card information which I already have done. I filled out a loan agreement with my signature as well. Along with sending them my bank information.
The website does not allow you to raise the monthly payment allowing for faster payoff. They only allow you to pay the minimum monthly payment and you must pay additional amount each month
I am a victim of Identity Theft and I have an extended fraud alert. On XX/XX/2019. I received an alert from XXXX XXXX that XXXX had ran a hard inquiry on me. I was informed by XXXX XXXX if I did not request this inquiry to contact XXXX at XXXX. I immedity contact them to informed them that this was not a valid inquiry. The first rep I spoke to informed me that there was no application in my name and to contact them in 5 days. I did not wait the next day I called and explain everything and again I was told that there was no application in my name. Two days later  my mother received a letter at her address in my little brother XXXX XXXX name from XXXX about an application. I called XXXX and the representive that I spoke to asked me for my brother name and I gived it to her, what she was able to tell me was because my little brother did not have any credit when they try to pull the report they just looked for anything that sounded similar or look similar. She informed me that they were going to delete this inquiry and cancel the application. I than contact XXXX and placed a credit freeze and file a dispute. Today is XX/XX/2019 and the last time I spoke with XXXX was XX/XX/2019. They informed me that they would sent me a letter letting me know that the account inquiry would be deleted. This was not the letter the sent instead they sent a letter saying they would update my XXXX Credit card. I do not have an account with XXXX and have never applied for any account with this company. I have summit several dispute through the credit burea and XXXX keeps saying that the inquiry is valid. Since XX/XX/2019 I have called this company and informed them this was not me and yet this have refuse to remove themself from my credit report. I DO NOT HAVE A XXXX CREDIT CARD AND DO NOT PLAN ON APPLYING FOR ANY
On XXXX XXXX, 2016 I reached out to Transunion because my local credit union ( XXXX ) had informed me that there was a statement on my credit report that says, " INPUT SSN REPORTED AS SUSPICIOUS OR MINOR SSN '' ( on page XXXX of XXXX ). I was told by Transition that I need to send in my birth certificate, a copy of my ss card, and an explanation of my issue. I do so and I followed up as instructed, 3-5 business days so on XXXX, XXXX, XXXX ( 3 phone calls that day ), XXXX, and XXXX. As of today I am still getting the run around that my file or case is being handled by a dept or someone beyond their ( the rep that I am conversation with ) control. I have been told that my file had to be sent over to a manager/supervisor for resolution. Today I fear that my mortgage loan is in jeopardy because of the nonchalant attitude towards my situation. Each time that I contact Transunion, I explained to them the urgency of my situation. As of today, the hawk alert is still sitting on my credit report and NO ONE has reached out to me nor have I received any mailings to reflect a resolution.
On my  XXXX  report I disputed AWA collections account for {$380.00}. I paid the original creditor   XXXX   on  XX/XX/XXXX  in the amount of {$310.00}. The original creditor  XXXX  shows my account as a  XXXX  balance. I called everyday from XX/XX/XXXX  through XX/XX/XXXX  to check the status of getting this collection account removed. I spoke to  XXXX  who escalated my account to her supervisor to email AWA collections that my account balance is   XXXX  . AWA collections claim they have n't received any notifications from  XXXX . I spoke to an AWA supervisor  XXXX    XXXX   ext  XXXX  who claims no email has been sent and that he verified the account and the balance is still owed.   XXXX   from  XXXX  is adamant that her supervisor sent over the email to AWA and that the balance is  XXXX . This collection account was added to my  XXXX  report as of  XX/XX/XXXX .
I already have a complaint on file with TD bank for another issue .... 
Case number : XXXXNow after doing a 'bait & switch ' to counter-offer for a higher interest rateafter they said the appraisal was too low ... .we ask for another appraisaland we practically find the comps ourselves ... ..it comes in XXXX higherbut we are still denied despite our XXXX + credit scores and low debt thatbecause we live in a XXXX and older community or age-stricted that we are denied. 
This after XXXX weeks of back/forth and at least XXXX letters of conditional approval. 
First it appears to be age discrimination, second why would n't that be on their applicationprocess before wasting our time and theirs. Something smells fishy.
Account was paid off an closed early in the year. Now it shows that the account is past due with more then 9 different strikes on all my credit reports. All postings of negative information was after the closing and final payment of the account. The entire year of 2017 was impacted.
I have two issues regarding the account closure of my Bank of America Premium Rewards credit card with account number XXXX  on XX/XX/XXXX.

1. I had a balance of XXXX bonus points, which is equivalent to {$7.00} after making purchases prior to account closure. The company refuses to transfer those points to my account after it was closed.

2. I paid an annual fee of {$95.00} when I first obtained the card in XX/XX/XXXX. Because the was closed after approximately 6 months, I requested the bank to pro-rate the annual fee since I was not able to enjoy the card 's benefits for a full year.
I filed a complaint and Experian lied and said these accounts do not appear but the false accounts by XXXX XXXX and XXXX XXXX are is still being reported despite their lie that they are not.
I have one XXXX account with a balance of {$840.00} which I have no knowledge of the account, I sent a dispute letter to the 3 credit bureaus ; only XXXX  who removed the account because the creditor was not able to provide 100 % proof that the account belong to me. But TransUnion and XXXX  refuse to delete it. I sent more than 3 round of dispute with them even send them a copy of XXXX  deletion still they refused. Then I sent a letter requesting fro proof of their investigation, asking how did the verified the never send me a proof. So on XX/XX/2018 I decided to request a verification from XXXX, on XX/XX/2018 XXXX couldnt proof it ether was mine, because they just send me a snapshot of past due bills. No contact bearing my signature, which they should have as a original creditor. I call they TransUnion and XXXX told them to delete that account because the original creditor ( XXXX can not proof me that the account belong to me ) therefore must be delete immediately. Also ask them why? And how they been verified it if the original creditor doesnt have the original contact. TransUnion and XXXX  still do not want to remove it even though XXXX  did. I need your help to get it of my credit report because it hurting my credit rating. I attached the documents received from the original creditor no contract at all. Under the FDCPA and FCRA the credit bureaus must investigate and make sure the information is 100 % accurate. They credit bureaus failed to comply under FCRA.
Portfolio Recovery has over the past several years tried to contact me multiple times a day, multiple times a week at all hours regarding a debt they have no right to collect. I sent them a registered return receipt letter on XX/XX/2018 to cease and desist any communication with me via phone and they keep calling. I did receive the signature card back signed. They are relentless with the calling, rarely ever leave a message but when they do it is threatening and just keep calling.
I received a 30-60 days late reporting on credit reports from Chase Bank. The late payment was on my chase freedom unlimited credit card. After changing my address via Chase 's mobile app, my statements continued to be sent to my old address for multiple months. When our monthly payment amount changed, we did not receive a statement from the bank, and we believe Chase was still sending them to our old address. Because of this, we received a late payment report in XXXX of 2018. When our address was eventually changed in XXXX, we received our first statement in months, showing that we were late. We paid the required amount at this time and called Chase bank to inform them of the error. After their initial investigation they concluded no bank error was made, even though the statement were not being received, and we tried multiple times to request statements by changing our address on their mobile app. Now we have attached our credit card to our online banking, and so can see our statements online. I can attach them showing that they were being sent to an old address for months after we requested a change of address via their mobile app. I contacted them today ( XX/XX/2018 ) to ask that the item be removed, and to discuss in good faith before filing a complaint. They did not change their original ruling. They have concluded that there was no bank error, and that they do not have the capacity to remove the late payment unless a bank error was committed. However, its a fact that banks have utilized their access to XXXX reporting to remove credit reporting issues in the past, without specifically being required to prove bank error. I believe their explanation as to why they can not remove the credit reporting is false and meant to discourage me from pursuing further my endevours to reverse this ruling on my credit report. Possibly this claim, if false, could be considered unethical as it discourages those with legitimate disputes from pursuing further action based on incorrect information provided by the credit department at Chase.
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
While checking my credit reports I noticed Diversified Consultants has shown back upon my reports. This debt is not mines as I have relayed that to XXXX on several occasions. I WAS XXXX at the time this account was opened. I do not recognize this debt and it is not mines.This unverified debt has caused major stress.
In XX/XX/XXXX my loan was sold to Statebridge company, LLC.From the day 1 have problem with this company.People in customer service can't answer on simple question and every time when I call and speak with representative I get different answer. 

In XX/XX/XXXX from escrow account was paid county taxes $ XXXXIn XXXX I seen that I still owe county taxes and amount bigger than previous what I paid. I called to customer service and I didn't receive reasonable answer.In XXXX the story repeated.I still owe county taxes with bigger amount.The last drop was when I received Escrow Statement .In this Statement shown I owe {$3900.00} and this amount will pay in XXXX and I have shortage in escrow account $ XXXXMy monthly payment will increase on {$200.00}. The new payment start in XX/XX/XXXXHow it can be!!! The county taxes pay 1 time in a year and I already paid!!!! .I called to Customer Service , nobody could explain me and not transferred my call to Escrow department , I wanted to talk to representative who make this statement, because he or she looks such incompetent person.I told to Customer Service representative that the Statebridge Company owe me money, because it will overpay in my escrow account.For this big issue I want the Statebridge Company review and fix this wrong escrow statement and cancel my escrow account, I want to pay my taxes and insurance by myself without be upset and nervous.
On XX/XX/XXXX, I called XXXX University to take care of my past due Perkins loan. XXXX advised I needed to call XXXX XXXX XXXX as they have my account. I called XXXX and they stated that they could not pull up my account because they were doing a system update and to call back on XX/XX/XXXX. 

Called XXXX on XX/XX/XXXX at XXXX CST and they stated that my account had been sent to collections and that I needed to call XXXX XXXX XXXX at ( XXXX ) XXXX. I called them at XXXX CST and after providing my SSN, XXXX stated they do not have any account with my information. So at XXXX CST, I called XXXX back and explained the situation, this time being a little more irritated than the prior call. The representative, XXXX ID # XXXX, stated that they could try to file a Forbearance, but they don't know if it will be accepted since my account shows in Collections. I had XXXX email me the Forbearance forms and I faxed them back that same day. 

On XX/XX/XXXX at XXXX CST, I called XXXX to check status on my form I faxed over on XX/XX/XXXX. They stated they had not received my fax and will check with the account manager. 

On XX/XX/XXXX, I called XXXX again at XXXX CST to confirm they received my email from XX/XX/XXXX. but they advised I email my Forbearance form to XXXX and allow 10-14 business days to process. 

On XX/XX/XXXX. I called XXXX at XXXX CST and was on the line with them for 41 minutes. They stated they STILL had not received my forbearance form and that I should email to them while I was on the phone with them. Towards the end of the call, they finally confirmed that they did get my email and it will take XX/XX/XXXX business days to process. 

On XX/XX/XXXX, I received an email to do my Exit Interview online. I attempted to do this and kept getting errors and had to email customer service. 

On XX/XX/XXXX, I recieved an email back with a solution to the errors I was receiving On XX/XX/XXXX, I was completing the Exit Interview process but as I was finishing the forms, I received another error that my form couldn't be completed because the " Truth In Lending '' can not be signed because it does not have an associated file ''. Basically there was no form on the Exit Interview to agree to. 

Which brings us to today, XX/XX/XXXX. I received an email this morning stating " We apologize for the inconvenience. Out technical is currently working on that issue. We will going to send a paper copy of the Exit Interview to your mailing address. Kindly notify us if you did not receive a copy within a week. 

So after ALL of this back and fourth, STILL nothing has been done. I am actively trying to resolve my debt with XXXX, but their accounting service XXXX   XXXX XXXX is not doing their job in a time efficient manner. It has been OVER a month since my first communication with them on XX/XX/XXXX. I'm getting fed up with this process and need to get is resolved as soon as possible.
I am requesting that Nelson & Kennard please read the attached validation request and please provide any proof that I owe this debt to XXXX XXXX XXXX ( their client ) I have not filed a lawsuit as of yet. I am requesting no phone calls and to be communicated with in writing only.
Navient directly benefited and encouraged XXXX XXXX XXXX to defraud its students using various schemes including pulling students out of class, withholding books and materials in order for students to be forced into higher cost private student loans, this includes the methods detailed in the lawsuit filed by the Consumer Financial Protection Bureau ( attached to complaint ). XXXX XXXX XXXX is now closed and Navient is refusing to discharge the debt under fraud simply because they are a private lender. I believe that Navient is a conspirator in the fraud and should be subject to sanctions and forced to abide by the same laws that protect students who borrowed with federal loans and allow a defense from payment claim.
I was sold a defective luggage bag by XXXX on XX/XX/2017. A total of XXXX billing disputes were filed with American Express, the credit card I used to pay for this item, for this transaction amounting to {$140.00}. I rightfully asked for a full refund as I was sold a defective item by XXXX, the merchant. The merchant refused to take responsibility and refused to offer an exchange or refund for this item. I went in person to attempt a return/exchange for this item on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, the merchant refused to cooperate and was extremely rude, with the Cashier at times yelling profanities. WIth me unable to work this out with the merchant, a billing dispute was filed. Every single time, American Express refused to assist me in this dispute and found in favor of the merchant without considering my side of the event. A full refund is DEMANDED at this time because I was sold a defective/damaged item by the merchant and the merchant refused to cooperate with an exchange or refund. In addition, this item was sold to me NOT AS A PART OF ANY PROMOTIONAL EVENT. The return policy for this item was 30 days and all of my return/exchange attempts mentioned previously were within that 30 day timeframe.
My husband is approved for indigent medical care under XXXX XXXX. A division of theirs keeps calling and will not give name, but asks personal questions over the phone about who I am. I keep telling them to contact me via mail and they refuse. Their phone # XXXX in XXXX XXXX TN. They just say they are XXXX
I called the phone number for Waypoint Resource Group at XXXX on XX/XX/2018 a third time to inquire about the debt. Calls were made earlier in 2018. They have not called me back after several calls. I do not know who this or what the debt is about.
My job was contacted multiple times by people who never have company or personal contact information, but told whoever was on the phone that I was being taken to court and that people were coming to my place of employment to supena me. They never verified who they were talking to, on either occasion.
I qualify for loan discharge as a XXXX XXXX XXXX veteran. 

XXXX sent letter to me on XX/XX/XXXX. 

Called XX/XX/XXXX, they said it should be zeroed out by XX/XX/XXXX. 

Called XX/XX/XXXX, Navient said the funds have been transferred and should be complete in 10-15 days. 

Called again on XX/XX/XXXX, Navient said there were issues with the guarantor and there was nothing I could do. 

XX/XX/XXXX. XXXX confirmed that it has been approved. Asked XXXX to resend letter to navient. 

XX/XX/XXXX Called Navient again. They said they needed more documentation. 

I just want the loan discharged according to the law.
XXXX XXXX XXXX who bought debt from XXXX XXXX XXXX XXXX. I have asked that all three credit companies investigate. Experian, XXXX, and XXXX. The debt has been paid. The account shows a XXXX balance. I called the creditor and they said they were not reporting it, it was up to the Credit Bureaus to take it off. They all have not taken it off. I dispute it and it comes back that it has been paid. I need for this to be taken off of my credit as a collection as it is no longer a collection.
I contacted the company via letter and told them they could not contact me via phone. They ignored my letter and continue to do so in violation of my rights and leave messages without knowing who listens to them.
Inquiries have been showing up on my credit file that I have not authorized. I have contacted every single company listed and not one has removed them from my credit reports. I have been a victim of identity theft and want them removed so I contacted the credit bureaus directly and they have yet to remove them. Please help me. My credit is ruined do to this and I am in need of help with this situation. 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX, XX/XX/XXXX 8.  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XX/XX/XXXX 12. XXXX  XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX14. XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XX/XX/XXXX, XX/XX/XXXX 17. XXXX XXXXXX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 23. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I had a credit limit of {$3000.00} on a Barclay Visa card. I co-signed on an auto rental with a temp subcontractor for a one-week term. After 2 weeks I received a call from the auto rental reminding me the auto was due in. The person that had the auto assured me that after the first week, he would return. I could not make contact and when I received call from rental agency at end of week three, I suggested that it should be reported as stolen as I could make no contact. That was in XXXX 2015. With no charges from the auto rental until XXXX XXXX, there were XXXX charges added to my card which put me over the credit limit, imposed by the issuer, a XXXX dollars. I called Barclay 's help line and was told the credit limit was not enforceable. Then I requested that a hold be put on my account, thinking that would prevent any more charges. Then on XXXX XXXX, there were XXXX other charges from the auto rental for some {$3200.00} which then exceeded the credit limit by some $ 4,000+. I was more than shocked and called their help line and was told that a hold would only stop the card working if it was swiped, but would not stop other charges coming thru their system. I then cancelled the card. I sent a fax and XXXX letter to Barclaycard to file a dispute on XXXX XXXX. On XXXX XXXX I was sent a letter in response that indicated they could not further pursue because they tried to call me twice on XXXX XXXX. There is no record on my cell phone of any call attempts from them. The letter was generic with NO NAME or contact number or email other than their Service Center # that could do nothing to assist me.
Called my parents phone and discussed my debt with them. I had n't lived at my parent 's house in 20 years
ACCORDING TO MY CREDIT REPORT, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. ( XXXX ) XXXX IS SHOWING A COLLECTION ON MY CREDIT REPORT FOR XXXX XXXX IN THE AMOUNT OF {$420.00}. IT SHOWS A DATE OF BEING OPENED ON XXXX XXXX, 2017 ( 4 mos ). COLLECTION AGENCY IS NOT LICENSED IN THE STATE OF FLORIDA NOR ILLINOIS TO COLLECT DEBT. In Illinois, there is a state law that applies to debt collectors.225 Ill.Comp. Stat. 425/1 to 425/25. The statute is a licensing statute which means it requires the collector to be licensed to collect in Illinois. XXXX XXXX XXXX XXXX XXXX XXXX
Account and all access to MY funds have been locked. I am XXXX in the middle of the XXXX XXXX XXXX XXXX XXXX. They lock my account and say 'call me ' ... there is XXXX reason to have account locked. Internet is extremely spotty but it is not incorrect!! They are either completely XXXX ... .Deonis or extemely rude and arrogant and do n't give a XXXX XXXX  whether you are stranded halfway across the planet because of their error ... that would be the lovely XXXX XXXX . She has mastered the phrase we do n't care 'ma'am ' nicely. They refused to do anything or even give a reason as to why access to my money was locked. They they act like it 's theirs and basically it is because they have stolen it. I told them I would report them and they acted like ... .go ahead ... .you ca n't do XXXX about it ... .you 're XXXX. HA HA ...