WillisBack/dataset-financial-user-claim huggingface dataset:
Around the beginning of XXXX, I believe it was XX/XX/XXXX, I had used the XXXX XXXX app to check my credit score. Upon opening the app, I discovered that my credit score had dropped 153 points thus bringing me down to XXXX points as my new score. I researched the app to find out how this had happened ; I pay my credit card bills every Friday, so it was not that, and I was still in grace period after graduating from school on XX/XX/2018. I found out, from XXXX XXXX, that Navient ( my loan servicer ) had reported a late payment on a federal unsubsidized and a subsidized loan. One, Navient had never informed about a payment due for my federal loans. I called Navient around XX/XX/XXXX to clarify if I had any payments due and the phone operator said " no. '' Two, I logged in to my Navient account and also found that there were no payments due, and all my loans were deferred or still in grace period. I even checked my Navient inbox to ensure that I had no payments due yet. Thinking that this was all a mistake, I opted to try XXXX XXXX 's free credit score reporting system, which also said my credit score was XXXX points. To go even further, I chose to receive my free credit report from XXXX and it also stated that Navient had reported that I was 90+ days late in repaying my federal loans. In conclusion, Navient failed to inform me about ( 1 ) loans/balance from the loans that were allegedly supposed to be paid, ( 2 ) loans that were not actually supposed to be paid off until my grace period ended ( XX/XX/2018 ), ( 3 ) misinformed me about what loans were due when, ( 4 ) failed to track my loans correctly and inform me in a timely manner, ( 5 ) incorrectly reported my loans to the credit bureau, and ( 6 ) had their dispute section of their website unable to function ( probably due to their law suit or overwhelming disputes from consumers ).
On XXXX XXXX, 2016 I was defrauded by XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX, SC. A salesman made fraudulent claims regarding the deed I was purchasing. While in the sales office in XXXX XXXX the salesman had me apply for an American Express Hilton Honors Card which I was approved for. I was then convinced to charge as much money as possible on the card. Months later I had realized I had been defrauded when the timeshare was essentially useless, and did not fulfill a single promise made by the salesman. I hired an attorney to cancel the timeshare which has been finalized, but American Express has repeatedly denied my fraud claim for the initially charged down payment.
I HAVE WRITTEN TO THE CREDIT BUREAUS IN REGARDS TO BANKRUPTCY AND THE ACCOUNTS UNDER THE BANKRUPTCY AND STILL NOTHING HAS HAPPEN THEY BUREAUS SENT BACK LETTERS STATING THAT THIS BANKRUPTCY HAS BEEN VERIFIED WHEN THEY KNOW THAT IS A LIE BECAUSE THEY NEVER VERIFIED ANYTHING LOOK AT THE LETTER SENT BACK FROM THE BANKRUPTCY COURT AND THEY SAY THEY NEVER FURNISH ANY INFORMATION TO ANY BUREAUS BUT YET THEY KEEP SAYING IT HAS BEEN VERIFIED THEY KNOW THIS IS A VIOLATION OF THE FCRA THE BUREAUS WOULD NEVER TAKE THE TIME TO GO TO NO COURT AND HAVE ANYTHING VERIFIED SUCH LIARS ONLY THING THEY CARE ABOUT IS THE MONEY THEY GET AND NOT THE CUSTOMERS
On XX/XX/XXXX, I was contacted by a representative from XXXX XXXX XXXX  named XXXX ( I was informed by a woman named XXXX that XXXX later quit in XX/XX/XXXX).  XXXX informed me that his company will serve as the middle man for paying back my student loans and complete the paperwork needed for entering me into the student loan forgiveness program. I was n't getting any feedback from the XXXX XXXX XXXX so I was believing this company. In XX/XX/XXXX I began the application process which required me to give my SSN, checking account number, and loans amount. XXXX told me that I would have to pay XXXX in XX/XX/XXXX and took my check account number, and told me that the paperwork I was signing was to enter me  into the forgiveness program. Later, I received an email stating that I financed XXXX dollars. I called XXXX ( the individual who took over my case after XXXX quit ) an he stated that he would attempt to cancel my file. I have tried to reach out to the company again and no one is answering the phones.
Company " Argon '' refuses to update my information on website, refuses to state name via email but constantly request personal Identifying information, plays games like sends me emails regarding programs but removes and or no longer offers programs 3 days later, refuses to forward me to upper management, headquarters, ceo 's, XXXX, refuses to verify information regarding my account in writting, claims they do n't, refuses to fix my account allowing me to pay on time, instead, I cant pay online causing loan to be late, I wont call in because representatives are rude and I demand a receipt as well as confirmation in writting via email or mail, because of my previous experiences and my demands, argon associates, and representatives are ritaliating by not allowing me to pay online after I have sent proof of all violations/allegations.
I WAS OUT OF WORK DUE TO XXXX. SO I GOT BEHIND ON MY PAYMENTS. I HAD EXPLAINED TO THEM ABOUT THE SITUATION. I JUST STARTED BACK WORK, HAD TO GET A CAR, SO MY FRIEND GOT THE CAR FOR ME. ONE DAY SOMEONE FROM CREDIT CENTRAL CAME BY THE HOUSE AND SAW THE CAR PEOPLE TAG ON THE CAR. THEY CALLED THE PLACE WHERE I GOT THE CAR AND TOLD THEM EVERYTHING ABOUT MY ACCOUNT WITH THEM
I settled an account in full with Credit Acceptance Corp on XX/XX/2018 for the amount of {$5100.00}. 

Credit acceptance still reports a balance of XXXX, as well as a late payment when it should be reported as XXXX balance. 

I have brought this information to credit acceptance on XX/XX/18 and XX/XX/18 and they will not correct it. 

I have recordings of making the payment stating that it is payment for settlement in FULL, as well as supporting documents. 

When I brought the issue to XXXX they called credit acceptance, and took the information provided from credit acceptance because they said so and disregarded any supporting documents that I had sent over. This was on XX/XX/18. 

I gave credit acceptance the original 30 days allotted for dispute through XXXX, at the end of the 30 days they still reported false information. 

I am currently going through the mortgage underwriting process and this information immediately dropped my credit score XXXX points putting my mortgage approval in jeopardy. 

I will upload any documents I have. I can also provide the recorded conversation with XXXX XXXX XXXX XXXX co, clearly stating that the payment was for SETTLEMENT IN FULL.
I have dealt with a few of the credit card companies, including XXXX XXXX who had been uncooperative at times with a negative item which had been on my report for 7 years. This occurred in XX/XX/XXXX, during which at this time I have established new credit. The negative item was on or around XX/XX/XXXX-XX/XX/XXXX. I called all three credit bureaus trying to get negative inquiries removed, and all three were uncooperative, so I called XXXX XXXX an agency that helps remove negative items. I do not work full time I am on XXXX, I also had been receiving loan applications from the credit bureaus tempting me to apply, and I did for a few because of my credit card debt, I wanted to get a loan to pay them down and make one payment, they never told me that it would be a hard pull and it ruined my credit score. All of my accounts are paid on time. I also tried to opt out and they continued sending loan applications. I also have a complaint about the companies, XXXX and XXXX XXXX XXXX who I have been a long time consumer. XXXX offered me a credit limit of {$6000.00} dollars and I have tried to get a loan through them and they turn me down because of my income which is from XXXX. Even though I have struggled I am a responsible person and pay them every month. I had called XXXX XXXX XXXX late at night and got a man on the phone who was more than rude, yelling at me saying that I did n't provide any information and that was a lie, I told him my name, and everything he asked I answered it, he continued to yell at me until I asked for a Supervisor. He apologized for the person 's behavior. Whenever I apply for credit, these are a part of the reasons, Proportion of revolving balances to revolving credit is too high. Lack of recent information on installment accounts. ( I do n't even have a current loan ) I had one in the past with XXXX XXXX XXXX and they never reported the loan as payed off. Another was, too many inquiries in the last 12 months. ( I explained that to a customer service person at one of the credit bureaus, I believe it was XXXX that I have an XXXX and am getting help in XXXX Not sure if they believed that but it is the truth. I mentioned earlier that I wanted to opt out because I did n't want to be tempted to apply for any new credit and that was the reason why. I have been treated unfairly with no resolution.
I had my identity stolen in 2013 and XXXX of the accounts that was opened under my social security number was a cash into check payday loan. 

I received a phone call stating that a felony check case was going to be forwarded to my XXXX and a warrant will be filed for my arrest later that day, unless I paid the debt. 

I asked if I could send them police reports, affidavits and all of my identity theft information to resolve the issue and was told that I would need to turn myself in to be arrested, hire an attorney and take my case in front of the judge who would probably find me guilty any way. 

I was told that I could pay the bill of {$930.00} ( which does n't warrant a felony, by the way ) and then take whoever stole my identity to civil court and get my money back. 

I was told I could not send any information to them at this time.
I have a loan from XXXX credit from 14 years ago that I defaulted on in my younger years. I have heard nothing of this debt in at least 8 years, this is no longer on my credit report, I have not received any letters for an attempt to collect, they have not contacted any of my previous employers, an out of the blue on XXXX XXXX XXXX the payroll department of my current employer received a subpoena from a lawyers office by the name of Rubin & Rothman LLC demanding information on my pay. This debt is from XXXX/XXXX/XXXX, almost 14 years old and from what I understand the statue of limitation for the state of NY is 6 years.
XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally. 

Telerecovery ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service. 

XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX doesn't have any documentation, where I have agreed to service or signed for service.
XXXX XXXX XXXX sold my second mortgage to SLS LLC. SLS will not send me statements or provide me a payment history.
Per the terms listed on the Bridgecrest.com website, in order to submit a request for name change, please fax a copy of your marriage license and government issued ID showing both your former and married names. 

I complied and faxed the documents and was replied via USPS that I needed a notary to verify my legal drivers license. Bridegecrest continues to report my payments and account to the credit bureaus in my maiden name which is no longer valid. 

Again, calling to ask why my name hasnt been updated, the rep claimed that my marriage license hadnt been received. I have a digital fax service which verified the pages were received. I faxed additional copies of my drivers licenses and marriage license requesting a 2nd, 3rd, and 4th time via fax and forwarding the faxes to email and they remain ignored. 

I want my legal name reflected on my loan account and it to be updated as such.
I have telephone recording conversation when Ocwen Loan Servicing employees calling me several times harassing me threatening me with fraudulent seizer of my home I own and then me laughing at me before hanging up the phone. I would like the CFPB to listen to the recording. I have been brainstorming for a good new name for Ocwen Loan Servicing and its fraudulent foreclosures. Please dont change Ocwens future new name to the XXXX XXXX. Please name your fraudulent unorganized crime operation, Embezzlement, the pretender lender loan servicer because fraud-foreclosures is what we do.
I am submitting this complaint to help a loved one and other consumers who are in need of repairing their credit after a divorce or because they do not have any credit established because they paid cash for purchases and never obtained a credit card. My complaint is this. Why is our ability to pay our rent ( which is as much as 2 months of my house mortgage ), utility bills and credit union loans in a timely manner not included as good accounts on our credit reports but get a divorce, move and someone neglect to return a component to XXXX and you find yourself with a 7 year negative account listed on your credit report? 
Also, on one of these government websites, ( it may be this one ) I read a " Special Note to Women '' regarding repairing their credit after a divorce ... no offense but what about the many many men who end up in divorce and after the divorce is finalized is stuck paying for things they had no idea even existed ( as is the story with the XXXX ), or was deviously charged after the fact, or found that their social security number was used to make other purchases they were unaware of, then find they ca n't even get a decent deal on car or motorcycle insurance? These are just a few things in question. It just seems to me that the people who run their lives using credit cards as securing their purchases and not insuring their automobiles make out and us normal everyday people who try everyday to do the right thing pay for it. I could really use some direction on how to help my loved one and others. I look forward to your response and thank you in advance to taking the time to consider my complaint.
I submitted a complaint through CFPB recently about EXPERIAN credit bureau reporting a collection on my file. A collection with ( XXXX ) XXXX XXXX XXXX XXXX XXXX is reporting a {$63.00} collection on my file. Like I've stated before I have no idea or clue where this bill has came from. It's says the original debtor is XXXX XXXX on a one month term agreement opened on XX/XX/XXXX. Experian responded back saying I was sent paper work out on XX/XX/XXXX. That's a credit report!!! yes, I got a credit report, but nothing EVER came from either one of the companies, concerning a delinquent account! I HAVE NO IDEA WHAT ACCOUNT THIS IS! Then Experian have the nerve the say they contacted the data furnisher and had them verify the account, well how come I'm the consumer, it's on my report, and I'm freaking clueless of how they verified the account, and what this account pertains to. It's more than just saying oh well we contacted the furnisher and they verified the account, well provide the consumer the paperwork, and signatures..I 'm not just gon na take your word, for all I know a investigation may have not been conducted at all. I need to see something because I've googled the original debtor and from what I see I don't have no association with nothing they deal with.
- I Got a Experian Credit Report on XXXX/XXXX/16 - I Found an Unknown Fraudulent Collection Account with the Account Number XXXX in my credit report. 

- I Sent Experian a Dispute Letter and request for validation on this unknown medical account on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX - Experian received the Dispute Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- Experian Fraudulent Verified this Unknown Collection account on XXXX/XXXX/16, they claim to have verified the information in the record and identified the provider of the information as Collection Agency XXXX XXXX XXXX. 

- I Sent a Debt Validation Letter as per instructions from Experian to Collection Agency XXXX XXXX XXXX on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX - Collection Agency XXXX XXXX XXXX received the Debt Validation Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- I Sent a Debt Validation/Dispute Follow Up Letter to Experian with a copy my Debt Validation/Dispute letter to Collection Agency XXXX XXXX XXXX, on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX along with proof of the Collection Agency receipt of the Debt Validation/Dispute. 

- Experian received the Debt Validation Follow Up Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- Experian refused to properly investigate and once again Fraudulent Verified this Unknown Collection account. 

- As of XXXX/XXXX/2016 the Collection Agency XXXX XXXX XXXX have n't sent me any answer to the Debt Validation Letter - As of XXXX/XXXX/2016 I have never received any kind of contact from this Collection Agency XXXX XXXX XXXX - As of XXXX/XXXX/2016 Experian is still Fraudulently reporting this Collection in my Credit Report - I have attached proofs of this whole process - To Whom It May Concern Please be advised that I have request " Validation '' not Verification. They failed to provide me with verifiable information substantiating that this Unknown Fraudulent Collection Account Number XXXX is indeed accurate and did not do so within 30 days.This reporting is a clear violation of the Fair Credit Reporting Act. As a result, I have been gravely affected and my score is suffering. 

- Due to all of the above, I am requesting that this Unknown Fraudulent Collection Account XXXX be permanently removed from my Experian credit report immediately.
Was offered a American Express ( Delta SkyMiles ) promotion that promised a bonus of XXXX miles when {$1000.00} was purchased on the card within the first 3 months. The conditions were met but the bonus has not yet been received and I being told it could take 2 or more billing cycles to remedy.
I got a promotional flyer with a new address packet that promoted a {$150.00} Balance Builder Bonus when opening a new One Deposit Checking Account. I went into this local branch and talked to XXXX XXXX about it on XXXX XXXX, 2017 and signed up for this checking account. XXXX went over the qualifications for this including him saying a {$500.00} deposit needed to be made within 60 days of the account opening, among other stipulations. I made the {$500.00} deposit that day, although the bank broke it up into 2 different deposits for some reason. The account was opened for the 90 days as stipulated, and I made a monthly deposit as required. I did not see the deposit so I called their customer service dept and was told it had to be a direct deposit of {$500.00} from an employer or other pay source. I stopped into the office and XXXX said that he would make sure I received the bonus, even if he gave me incorrect information because that was his fault, and to let him know if I do n't receive the bonus by the end of XXXX. I did not receive the bonus and emailed XXXX and on XXXX XXXX, 2017 he received notice the bonus was not triggered and he escalated the issue to a higher realm. I received a call on XXXX XXXX, 2017 from a the Resolution Department with Citizens. The woman 's name was XXXX ( spelling? ). She took the information and said she would contact the marketing department and get back to me. She called me back that same afternoon and said because I did not have a direct deposit from an employer I did not qualify for the promotion. I argued that I was told something different and she just kept repeating " You do not qualify for this promotion ''. I called XXXX XXXX at the local branch office and told him what I was told and he said he would send a problem ticket to another chairman and let them know of the situation. I have not heard anything from anyone since.
Dear Sir : Upon return from a trip on XXXX, I received a letter dated XXXX XXXX, 2015 from SunTrust Bank requesting I close all accounts by XXXX XXXX, 2015. I have bank with SunTrust for 30 years and thought it must be some kind of mistake. I called the number on the letter on XXXX XXXX, only to have a rude lady tell me it was a Business decision, but no reason as to why. After returning for another trip, I went into my XXXX XXXX Georgia branch on XXXX XXXX and asked the manager about the letter, he called the number on the letter and got the same response. I then spoke to his boss who suggested that the manager e-mail the regulatory division of the bank and that they would contact me in XXXX hours. No one called, I went back to the bank on XXXX XXXX to close my accounts and he said he 'd e-mail them again. I asked for his bosses boss name and got XXXX and his number. Called XXXX XXXX on XXXX XXXX and he said he 'd get to the bottom of it and get back to me that afternoon. He never called back so the following Monday XXXX XXXX, I called him, got his voice mail and left another message. Finally, a call came Monday afternoon XXXX XXXX from ( XXXX ) XXXX XXXX assistant telling me to call the number on the letter, I explained to her that I and the branch manager had already called to no avail. She said XXXX XXXX would call me back. He did n't. I then on Tuesday XXXX XXXX, e-mail XXXX, his boss XXXX XXXX and her boss XXXX XXXX . Hoping someone could tell me why Sunrust had requested me to close my accounts. I recieved a voicemail from XXXX the assiatant telling me to call the number on the letter, that they could only talk to me. So on Wednesday I called the number again and got the same response, " Business Decision ''. Nothing from XXXX 's boss, XXXX XXXX or her boss XXXX XXXX. I would just like to know WHY i was asked to close my account after 30 years of being a loyal customer. And to be reimbursed for new checks that I bought a month prior and pro-rate the fee I paid for the debit card. 
Many Thanks