WillisBack/dataset-financial-user-claim huggingface dataset:
I filed bankruptcy and XXXX 2015 and it was discharged in XXXX 2015. Debts included in my bankruptcy started coming off my credit reports on their own and the ones I did dispute I received a quick response and they were removed. I 'm having an issue with XXXX I have disputed it many times to all three credit reporting bureaus, on the most recent XXXX I sent a copy of my bankruptcy petition and the result was they updated it on my report saying charged off sold to another lender but, yet on a privies dispute about two months ago they updated reports with status as included in chapter XXXX bankruptcy and now they have changed it to the charged off status. On last dispute XXXX would n't accept my dispute because I had previously disputed. The dispute case numbers I provided above are the most recent ones. XXXX is showing up as derogatory and negative on my reports which is affecting my credit score as I am trying to build my credit. I 'm having success rebuilding my credit except for with this company reporting incorrect information on my reports. This is the only negative thing on my reports. As I am looking to the future trying to buy house with my husband, obtaining certain credit cards ( which I am using responsibly ) or loans to help build credit I 'm not able to because of this derogatory/negative incorrect information being reported.
I received a notice from XXXX XXXX stating that my credit has changed. It was from Midwest Recovery Systems. They stated that I have a outstanding debt for the amount of {$1000.00} which i did not owe. I have tried calling them. Line is always busy. I have been fixing my credit for 2 years now and I got it to an excellent score. Now with this on my credit report, I have taken me to a good score.
Experian continues to report delinquent payment history for an account settled with XXXX XXXX XXXX despite prior attempts by me to correct this error through the FCRA dispute process. This account was settled inXX/XX/XXXX. I disputed ( see attached ) this with all three of the major credit reporting agencies as well as XXXX XXXX XXXX onXX/XX/XXXX and XXXX and XXXX corrected the error, but Experian did not.
I cant get an annual report I was told alredy recieved one when I have XXXX applied for one this first time.
I disputed an account with Equifax and they deleted then I found out that they reinserted what previously deleted it.
Barclay closed my Barclay XXXX MasterCard account XX/XX/XXXX, and sent a letter indicating the following : " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' This sudden closure of my account came as a surprise to me and I am very upset as I had XXXX Barclay Arrival points ( worth approximately {$2900.00} in travel expenses ) in this account that I can no longer access because the account is now closed. It is truly disheartening to have worked so hard to earn those points, only to lose them in such a shocking and abrupt manner. I have been a Barclay 's credit card customer XX/XX/XXXX, and I am disappointed with the manner in which they have closed my account. My expectation is that Barclay should have at least notified me about what I had been doing that was unsatisfactory, so that I could have taken the necessary actions to avoid being closed. Instead they closed my account without any warning.
On or about XXXX XXXX, after reviewing my XXXX XXXX credit report I noticed many erroneous information about an alleged debt that i owed XXXX XXXX XXXX XXXX XXXX ), so I disputed the allege debt with the XXXX XXXX credit reporting agency. About 30 days later XXXX XXXX mailed me a confirmation letter deleting the alleged student loan that I owed XXXX. I was delighted for a brief moment ; On or about XXXX, XXXX I requested for my annual free credit report from all XXXX major credit reporting agencies ( XXXX XXXX, XXXX, and XXXX ). When I received all of my reports, all XXXX listed the alleged debt owed to XXXX as permanently deleted from my credit report ; but now they listed a third party interloper as the Original creditor ( Sallie Mae/XXXX ). So on XXXX XXXX, XXXX I disputed the false information by sending XXXX XXXX credit reporting agency a notice of proof of claim of the alleged debt owed to Sallie Mae/ XXXX. Within thirty days XXXX XXXX purported that the alleged debt was verified and/or validated by a Sallie Mae representative. On XXXX XXXX, XXXX I contacted Sallie Mae student loan department and spoke with a representative about my displeasure of having there company list fraudulent information on my credit report with validating the allege debt. The representative requested some personal information about me, so she could search for any information on me in there system. After a few minutes the representative stated to me that there is no information about me in there system, thus to contact XXXX ; so I conceded. I instantly contacted XXXX and spoke with a representative, I gave the rep. my private information the matter and within a few moments the rep. stated that they had no information about on this alleged loan. Therefore, I personally called XXXX XXXX to speak with a rep. they stated that they would look into this matter further and file a direct dispute on my behalf in 10 days, so far I have not heard anything from this private-for-profit corporation which is not part or affiliated with the United States government. Nor is this 3rd party ( fictitious ) interloper has any wet-ink signatory binding a bilateral agreement.
I am undergoing a shortsale for the sale of my home with my mortgage holder ( Bank ) and have a negotiator working on my behalf to get a settlement. The Bank offer me a {$30000.00} promissory note settlement and I countered with {$10000.00} no interest. They then countered for {$10000.00} with 6.625 % interest and I accepted, and now the Bank is refusing to accept this arrangement and threatened that if I dont accept {$15000.00} promissory note that they will foreclose on my home. How are they able to change their last offer ( which I accepted ) and try to back me into a corner? I have their offer in writing. Please help ...
Opened a bank account in XXXX with Citibank during a promotional period offering XXXX XXXX AAdvantage miles for opening a Citigold checking account with them and fulfilling certain requirements. These requirements were spending {$1000.00} in qualifying debit card purchases and one or more qualifying bill payments for two consecutive calendar months, with all requirements to be completed within sixty days of account opening. 

I completed these spending requirements presented in the offer on XXXX XXXX 2016, which I verified were met via Citi 's Customer Service by phone. The customer service agent told me that the the miles were supposed to post within 90 days. However, the miles never posted. 

I contacted the bank about the delay and was told via secure message that I was suddenly not eligible for the offer because I was not " targeted for the promotion '', even though I had used the promotion code during the signup and had their customer service verify that the requirements were met for my account with no one mentioning such a restriction. 

As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by Customer Service by XXXX XXXX 2016.
I deposited {$150.00} into my citi Checking account that was opened XX/XX/XXXX per citi banking app on XX/XX/XXXX via XXXX at the same time a payment of {$35.00} was suppose to go to XXXX but it never got there. I called Citi Bank on Sunday XX/XX/XXXX inquiring on what happened to my money once I saw a NSF fee of {$34.00} hit my account spoke with two different reps when the first one couldn't understand what I was talking about and adsured me there is no missing money I requested a supervisior who informed me that money was infact missing and Citi bank was not paying XXXX. I was told on XX/XX/XXXX by a manager that the missing money would be refunded to me on Monday morning which is a lie for when the money did not hit my account on Monday XX/XX/XXXX morning I called back to Citi Bank who advisded me that the money maybe returned sometime on Monday XX/XX/XXXX but it may also go away since XXXX tried again for pull the funds on XX/XX/XXXX and since the {$35.00} was still missing it too is begining sent back to discover for NSF. Even though manager from XX/XX/XXXX call said I would not get another NSF charge. Now I'm fighting citi bank over {$35.00} they already shorted my account an additional {$1.00} they are theives and should not be trusted. Bottom line of the date and time of this submission I have yet to receive my missing money.
As a co-signor, I am authorized on my son 's account. We had XXXX Private Student Loans with XXXX XXXX. XXXX loans were combined as a Group on XXXX invoice and we always sent XXXX payment that was pro-rated between the loans. But after the loans were transferred to Navient, NO PAYMENT made in 2015 has ever been posted properly. 

I called Navient in XXXX and again in XXXX to ask that the account be fixed, but nothing ever happened. So in XXXX 2015, I wrote a letter with very detailed Excel spreadsheet attached showing how payments Were vs.Should Have Been applied. 

Instead of correcting the mess, Navient replied that our accounts are in XXXX Standing and that if we suspect that payments have n't been applied appropriately, then please contact them!!!! It 's insanity.
I submitted a dispute On XXXX XXXX, 2016 for some Tax liens that are reporting on my credit report. I asked for verification of these accounts since I have no knowledge of them. The accounts came back verified. I then wrote a letter ( notarized ) to the address and Court the credit report has on file. Well the Court has finally responded to my letter and its 100 % clear they did not Verify anything with Equifax. Under the Fair Credit reporting act Everything on your credit report must be 100 % verifiable and accurate. I have attached copy of the credit report Public record section where I ( Circled ) the case numbers and the Address to where I wrote court letter to, also attached is the notarized letter I wrote to the court and the Response Letter from XXXX County Register of Deeds Office that they have no records of these Tax liens nor do they report anything with any credit reporting agencies.
Credit report is locked. I never put a lock on my credit report and I want it taken off. It is stopping me from pursuing a need I want to take care of and dealership and bank ca n't access my credit report cause of this block that transunion has on me. Please remove now
For some reason ALCO COLLECTIONS, INC. has not sent me proof of my obligations of this alleged debt as required and continues to report this to the three major credit bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. 
I disputed this account on XXXX XXXX, XXXX on my XXXX and XXXX  credit reports to no avail. I also disputed directly with ALCO COLLECTIONS, INC. on XXXX XXXX, XXXX. To date ALCO COLLECTIONS, INC. continues to ignore my request and they continue to ignore my consumer rights. 
I believe this account does not belong to me. I requested the documents from their files to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. 
Who verified this account? What documents did they use to verify? Where are the documents used to verify? 
The only correspondence that I received was a billing statement. This does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that ALCO COLLECTIONS, INC. know they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. ALCO COLLECTIONS, INC. is blatantly disregarding the law.
Hello, Currently, Transworld Collections sent a notice of SSI offset to an old address, however they had my current address, as I have received the current invoices. Because of this, they were able to convince the DOE that I did not respond, therefore DOE allowed the offset. 
Previously, I hired a student loan specialist, XXXX from XXXX, in XX/XX/XXXX. We spoke with Transworld on many occasions, to no avail. Additionally, explaining that I would be retiring on XX/XX/XXXX. They were uncooperative and gave us the runaround ( the complexities of which I will not go into here ). 
According to the info I have read on the DOE website, these people are suppose to work with student loans for rehab purposes. They were already receiving XXXX {$400.00}. per month and to rehab they insisted on an additional XXXX This was not affordable. I am retired now and on Social Security of $ XXXX month. Nor was it in compliance with - " The law has always said that borrowers only have to pay reasonable and affordable amounts. '' IE : New Rules for Loan Rehab-XX/XX/XXXX. 
They would not budge. 
A real mess that could have been avoided if they had adhered to the laws enacted by DOE. Then we sent XXXX pages of past efforts to rectify the situation to the Ombudsman 's office of DOE. No conflict of interest there ... Transworld was hired by the DOE. 
Also, I explained the predicament to a representative of the DOE-Ombudsman office, XXXX, she told us to call Transworld and renegotiate? My student loan specialist and I had done so in preceding months which we explained in the cover letter to the Ombudsman 's office when we sent the pages. 
At this point, I am hoping that your office will negotiate a minimal payoff or to rectify their use of false pretense to offset {$150.00} from my SSI. According to Social Security, collections agencies are entitled to 15 % of any monies from SSI over {$750.00}. per month, which would be {$39.00}. not {$150.00}. 
Please help me, I am running out of options ... as all the lawyers I have contacted will not take the case, saying that it is a matter for a negotiator. If I had the money I would sue DOE and Transworld. 
I have been honest and cooperative in the face of their manipulations and high-handedness ; however it is obvious that a more legal stance is necessary. 
Thank you.
My daughter is a XXXX who decided to open a credit card although the discussion had already been made not to. To my surprise after her XXXX XXXX she came home and had received mail from Navy Federal Credit Union. I inquired as to what the mail was for and she indicated she had opened a credit card. The first thing that came to my mind is she did not have a job, had already maxed out her limit not of {$500.00} but on {$5000.00}, and still was a dependent. The next day we went to an NFCU branch office as I was in disbelief that such a thing was still happening with the tightening of credit guidelines and all. The branch customer service representative indicated that there was nothing that could be done my daughter is XXXX years of age. I get it, what I do n't get is how you can give an XXXX year old or anyone for that matter a {$5000.00} credit limit and not verify they have the wherewithal to pay it back via sources of income This was allowed and now my unemployed daughter has a maxed out account that she will be obligated to pay back while she works from time to time and while continuing to be a XXXX until she lands a real job. I wonder if Navy Federal along with other financial institutions are part of the solution or are you truly a part of the problem. I do n't see anytime soon that the economy will rebound with policies and procedures such as this.
I purchased my home in XXXX XXXX. The house appraised above the purchase price. I put 10 % down and have been consistently making additional payments ( two full payments each year ). The principal is now at less than 80 % of the original purchase price. On XXXX XXXX, XXXX I filled out the paperwork to remove PMI and sent my lender the requested amount ( {$310.00} ) associated with the " required '' appraisal. The check was cashed shortly thereafter. I received a VM on XXXX/XXXX/XXXX stating that I should call back " in reference to [ my ] appraisal ''. I called the number provided back on that day and again the following week. Each time I was told that " systems were down and the representative could not help me ''. On XXXX I received a follow-up call. At that time I was told that the appraisal was going to cost {$180.00} more than originally stated. This brings the total to {$500.00}, which is more than any amount shown on the mortgage lender 's schedule of amounts owed for the appraisal. I arranged for payment and was then told that it would be another seven days before anyone could contact me to schedule the appraisal. It appears that this company is deliberately delaying the necessary steps to remove PMI in order to continue to charge the PMI ( {$180.00} per month on a loan of {$350000.00} at 3.65 apr ).
XXXX. XXXX XXXX number : XXXXXXXXAs I was checking on my case Wells Fargo 's Response says : We have established contact with XXXX. XXXX XXXX legal representation XXXX XXXX to discuss this correspondence. We require additional time to complete our research regarding XXXX. XXXX XXXX loan concerning payment assistance. 
However, I called my attorney and he said they have never contacted him. 
So as usual they are n't doing anything. I got a letter from the VP of Wells Fargo saying they are checking in to it, but so far nothing is going on. 
Again, I had to file a new modification this month and the appraisals are going up and now they will be upping the value of my home. This is not fair and it is nothing but a run-around for homeowners who are trying to get things straight. 
They also keep sending me statements that I owe back interest of XXXX and I am in Bankruptcy court. How is that legal? Thank you for looking into this. 
XXXX XXXX
On XX/XX/2018 I requested an increase on my Walmart card. My current credit limit is {$210.00} I've asked for an increase as low as {$100.00} as high as {$500.00}. I was denied the increase stating that my credit it's not good enough. They advised me 5hat they get credit info from XXXX. On that date I checked my credit score with XXXX and was told my score. My credit score on XX/XX/2018 was XXXX. Walmart is telling me it is XXXX.

I asked them to please reconsider and they told me they will open up an investigation to look into it to call back and 30 days. I called Walmart credit card services on XX/XX/XXXX to find out what happened I was told that the denial still stands. They can not tell me what the reason is but will send out a general letter stating it could be delinquencies on my credit, credit score too low or something in that general description. I asked if they could please give me in detail what is keeping me from getting the increase they refused to. I don't know if they're looking at someone else 's credit score and credit history or it's just outright discrimination. I owe nobody I make {$60000.00} a year and I have no delinquencies my credit score has gone down to XXXX because of interests of re lfinancing my home. I would like to know what is wrong with my credit to keep me from getting an increase. Thank you so much for your time.
Tried to send money to my niece in the XXXX XXXX XXXX XXXX for XXXX -- did it last year through MoneyGram.com. This year, I tried to send and got a message : " We 've encountered an error. '' We are unable to process your request at this time. The message says call XXXX. I did an spoke to a low-level customer service representative who indicated that my online account was " blocked '' and I could only send money if I go into a Money Gram location. ( Right. 3 days before XXXX and I am going to get out in the midst of crazy crowds to wire money -- really customer-oriented! ). My biggest issue is that she could not ( would not? ) tell me WHY!! There 's no fraud, the account I used is legitimate. She had no information and said " no one else would have any information either. '' First she offered to " escalate '' my inquiry and then she refused. I called a second time and spoke with an " XXXX '' who told me the same thing except this time she said the account was closed for " security reasons '' but could n't tell me why. I had her put me to a supervisor ( XXXX ), who said the same thing. Their ONLY remedy is to " send me to location. '' Total waste of my time -- I will do business with XXXX XXXX from now on. The documents I attached show : a ) an advertisement from them on XXXX/XXXX/2015 asking me to do business with them again and on XXXX/XXXX/XXXX where they RESET MY PASSWORD only to close my account! Perhaps they are the fraudulent ones and I am should be glad not to do business with them...
CASE NUMBER XXXX STATUS??? WILLFULL FAILURE TO POST PAYMENTS AS MADE. PRINCIPAL ONLY, plus monthly interest & principal. 
WHEN DOES OCWEN LOAN SERVICING , LLC have to REPLY??? 
Your letter said XXXX ago? 
Thank you. 
XXXX XXXX
Cach LLC has contacted me repeadly to collect on a debt I do not owe, and they have not responded to my request for debt validation.
There were three charges on this Chase MasterCard credit card that were disputed around XX/XX/XXXX or XX/XX/XXXX. Chase acknowledged the dispute. However, they have done nothing to resolve the dispute or credit the charges. In fact, interest has been accumulating on these charges. I've reached out to Chase literally dozens of times in the past 2 years about these disputed items, and I always get a generic response or a response that the dispute is received and they are working on it. Chase obviously is doing nothing to resolve this matter. 

The charges are as follows : {$1400.00} on XX/XX/XXXX {$260.00} on XX/XX/XXXX {$870.00} on XX/XX/XXXX The total amount of the above charges is {$2600.00}. + INTEREST. A lot of interest has accumulated on these charges. 

Documentation is available upon request.
While trying to apply for my first credit card at wells fargo I did not pass the red screen. They told me i had accounts not paid for as agreed. There were no records that i was sent to collections or had accounts closed. I also received a new job but they pulled their offer a few days before i was supposed to start because of some accounts on my credit and now i have been unemployed for over 3 weeks. Wells Fargo recommended i contact experian to see my credit report and sure enough i had XXXX business accounts sent to collections by wells fargo. I took the account number and contacted wells fargo and had them show me the applications for these accounts. While going over the accounts the banker who i 've never worked with or a branch i 've ever been to created a fake business and opened XXXX accounts. They also put my mothers phone as the business number and left other information incomplete. To top it all off there are no signatures on the applications. They are left blank and a box that states i submitted these applications manually.
XXXX, TRANSUNION, XXXX FAILED TO REMOVE THIS ACCOUNT AFTER A 47 DAY DISPUTE AND XXXX XXXX XXXX WAS SUPPOSED TO REMOVE FROM BUEAUS.
On 3 Occasion I asked Equifax and XXXX to verify 3 debts on my report. The first was on XX/XX/XXXX, the next one was on XX/XX/XXXX and the 3rd was on XX/XX/XXXX. I am sending one last request, as none of these requests resulted in showing me proof that any of the 3 debts are actually mine. They never even responded by mail to let me know what the status of these debts are. I am prepared to seek civil remedy, but as part of my case am filing this complaint for the record. I will be attaching my last and final request, and this will list the debts that I am trying to verify.