WillisBack/dataset-financial-user-claim huggingface dataset:
Numerous calls to XXXX XXXX XXXX XXXX to NOT call us for someone that has NEVER worked here. I have personally spoken with at least 15 " managers '' that promised to stop the calls. Bordering on harassment.
I have to start off by begging you to not let Experian just give a bogus answer, or put in for a 60 day extension to answer. They have already had more then enough time to address these issues. 

Experian is still up to practices that are against the fair credit reporting act. Experian keeps ending disputes, without having answeres. Over the past 151 days, I have been dealing with Experian over misrepresentation of my credit profile. When I started out Experian had 17 different social security numbers reported I finally have that issue resolved 34 addresses this issue is 80 % resolved 49 different names this issue is about 90 % resolved and 30 different linked accounts, that did not belong to me. 

A few of the accounts where taken care of easily, not by the work Experian did, but by the work that I did. I went out, I seeked the information, I sent the information, I took care of it using my personal assets, and time. I had to because Experian would not! 

When my dispute originally went in, and I spoke to a supervisor, she stated she had no idea how the merged file happened. They unmerged the file, but not the information that was connected to the other party. My disputed where closed out the first time with that. They closed them, and restarted, and modified them. 

They restarted the disputes, and I got down to the last week. All of the sudden all of the information from all the companies came in at the same time, and all the disputes where closed out. I called them again, and was informed that they where closed by the back office no one provided me with an answer on whom responded, just that they closed out. I was apologized to again, and the disputes where reopened. 

A week before that dispute ended, they where closed out again. Upon calling in I was told that 3 of the item bankruptcys where closed because they received information from a third party vendor. I called the 3rd party vendor, XXXX whom stated their last reporting was XX/XX/18. I called Experian back 13 times that day, and was told 13 different companies. I contacted all of them, and what a giant surprise none of them reported it. Upon calling them back, they once again apologized, and restarted the dispute. This restarted the 30 day countdown AGAIN! Since that time they have been stopped, and restarted 11 times. Each time it has happened, no one knows who reported it now. 

I was told by a supervisor that since I filed a complaint with the CFPB that they where just going to keep doing it. Basically telling me because I dared to file a complaint that they where never going to remove the information off my report. Today, another dispute was canceled out a XXXX miracle that 11 companies all answered again at the same time, to end all of the disputes. All 11 of them had no information on who, or what verifyed. All 11 the person said must have mistakenly been closed out. 

The 11 where restarted ONCE AGAIN with a giant surprise all 11 of them are now restarted at 30 days. 

This is at the point where someone needs to step in. They can not be allowed to give a bogus answer, or a 60 day extension to continue to make my life miserable over daring to file a complaint.
I went through severe financial hardship after losing my job in XXXX of 2015. Through it all, I continued to pay my credit cards on time and keep up with my payments. In XXXX of 2015, I was forced to move to NY for a new job and start all over again. I had to tap into my savings in order to make the move and keep myself afloat. I also had to financially support my parents at this time as they lost their jobs. To make matters worse, I also re-enrolled to attend school on a fulltime basis. My income was stretched beyond my means. 

In XXXX of 2015 I contacted Bank Of America and asked them to provide me with a solution to pay off the debt. The agent on the phone informed me that they ca n't help me as I have n't defaulted on a payment and that I need to default in order to qualify for assistance. Upon defaulting, I contacted Bank Of America again in XXXX 2015 and asked them to help me lower payments. They did n't once again. It was n't until XXXX 2015 when the bank finally reached out to me with a payment solution. By this point, they had decided to tag on various fees associated with my delinquency and the only way for me to regain my credit was by paying it all off. I was n't offered any solutions. I was n't given an option but to default. 

Bank of America has since charged off this loan and collected their insurance disbursement yet they solicited my information ( without my authorization ) to a third party attorney group in order to collect my debt. 

This is the definition of unfair lending practices. I have attempted to do everything within my capabilities to resolve this matter and I 'm at my wit 's end. Please help.
I owe a fairly large amount of money to Navient but there aren't any issues with repayment, nor has there been an attempt to renegotiate any existing repayment options. Out of the blue today I've received a phone call from a " XXXX XXXX '' to inform me about the changes about to take effect and to call back to discuss renegotiating my repayment plan. 
Obviously this seems to be a scam and googling the number shows that " XXXX '' has been very active over the past few days. The call came from an " Unknown Number '' and left a XXXX number to call back including a 'case reference number ' ( that apparently everyone received that was called by this number [ XXXX ] ). 
This is the transcript : Yes this is XXXX XXXX I'm calling in reference to your federal student loan. I need to discuss your repayment options with the new changes that are taking effect. Be sure to give me a call at XXXX with your reference number of XXXX. Thank you. ''
For the past two months American Express has made repeated calls ( 8-10 per day ) often at XXXX XXXX to a number that I have expressly told them not to call. They also employ a collection agency to call and attempt to collect on the same debt causing even more calls to come in. I have attempted to schedule payments and between the two companies there is no communication so the payments were never drafted.
I took out a HELOC in XX/XX/XXXX against my principal property. I paid that loan off on XX/XX/XXXX but somehow I ended up having a {$0.00} ( XXXX cent  balance ). Because of the outstanding interest rate on the HELOC ( 2.99 % ), I was advised to keep the loan open instead of closing it at that time, incuffing an annual fee of {$25.00} to keep the line open. I have paid each year in XX/XX/XXXX via a direct payment from my checking account at another bank. At the end of last year, I was notified that the HELOC was coming to the end of the draw period. I called to close the account and was told that they could not take a {$0.00} cent payment via transfer. On XX/XX/XXXX, I received a bill from the bank stating that I owed {$37.00} including a {$37.00} late fee. I called CS and requested that the fee be waived, which I was told would take 3-5 business days for a response. I was also told I would need to pay a {$74.00} fee to have the Lien Released on my property. I was able to may a  payment from my other back checking account of {$1.00} to make sure I have no more balance on the Line of Credit. I called XXXX County Controller 's office and was told that the fee for the bank to release the Lien is {$54.00}. I reviewed my HELOC contract which states I may only be  charged a release fee equal to the amount of the 3rd party fee ( which in this case would be the Controller 's office ). 
Today, I called the bank back to see the outcome of my request to have the fee waived. The bank did waive the fee, but I only found this out by talking to a supervisor, because the initial CS agent told me it was denied. I also explained to the supervisor that XXXX County Controller 's office stated the fee is {$54.00}, not {$74.00}. She said that XXXX County " has not notified the bank of any fee changes ''. After paying the the {$73.00} balance, I asked how I would receive my refund for the extra {$20.00} payment to the Controller 's office, and she stated that if the bank received a refund from the controller 's office that it would be forwarded to me. ( I have a very hard time believing that this will take place. ) Cudo 's to the Lender for waiving the crazy {$37.00} fee. 
They could have done a much better job explaining the Fee to " Close the account '', and there is the issue of the discrepency between what the Controller 's office told me and what the back is charging.
In XXXX XXXX I took out an internet installment loan from XXXX in the amount of {$2400.00}. I made several payments to them before finding out that this type of loan is illegal in my state ( Virginia ) as it was originated online. I contacted XXXX and offered to pay what I received minus interest as the loan was illegal. XXXX advised that they would no longer pursue collection on the loan. Fast forward to XXXX XXXX the loan was charged off and purchased by NCB Management. XXXX has never contacted me for any payments or reported any information regarding the loan on my credit report. In XXXX XXXX NCB Management reported an outstanding debt of {$2900.00} on my credit report on all XXXX credit bureaus. I contacted the XXXX and advised that I had no knowledge of this account from NCB and requested that they validate the debt. NCB responded that it was an account from XXXX. I contacted NCB by phone directly to see what needs to be done to remedy this issue. They advised that I needed to pay {$2900.00} ( principal plus interest ) to remedy this. They have also continuously called me at home, work and my personal cell phone in an attempt to collect this debt. I advised that this loan was illegal in my state but that I would attempt to resolve it after looking into this further. The representative has continued to contact me at work yelling at me that I owe this money because I took the loan. I am now reaching out to Consumer Finance to see what options I have to resolve this. I am requesting that this account from NCB Management be removed from my credit report as it is from a debt that is illegal in my state that I attempted to rectify with the original creditor.
On XXXX XXXX 2017, I obtained all three of my credit reports and noticed that a collection company named EOS CCA was reporting negative collection activity for an account that is not mine. I have no knowledge of this debt of XXXX {$1400.00} XXXX that is currently being reported by this company. This inaccurate and incorrect information being reported to XXXX XXXX and XXXX has heavily affected my ability to obtain credit to buy a new car and placed undo stress on my family.
A payment was electronically sent to Synchrony Financial from XXXX bank on XXXX. It cleared on XXXX ( the due date ) but was posted with a XXXX date and I was charged a {$25.00} late fee. The posting should have reflected the date the payment was received -- - not the date is was actually posted. I called Synchrony Financial and they waived the late fee but would not admit they posted the payment with the incorrect date. My worry is that Synchrony Financial are doing this routinely to other customers and this could be reported to a credit agency thus affecting peoples credit rating.
I show a hard hit on XXXX for a company XXXX that i do n't recognize and i did not authorize. I am concerned someone could be trying to steal my info.
I decided to refinance my mortgage that I had with Citi. I went through XXXX who communicated with Citi on my behalf. Citi told me that in order for me to do the refinance I had to make partial payments. Before this refinance process I had never been late mind you. I specifically asked the agent would these partial payments be held against me and would they count against my credit? The agent told me no. It was a lie. The partial payments that I made were reported to the credit bureau. This resulted in several late payments that have had a significant negative impact to my credit. I have called Citi and no one will listen to me ; just tell me that I was late. I listened to the instructions of my case manager and beleived and trusted him. I was lied to by my Citi account manager and it simply is n't ethical or fair. I want my calls that were recorded to be reviewed so they will believe me ; show that I was lied to by my account manager. I deserve my late payments during that time removed off my credit report. The whole process with Citi and XXXX took about a year. It was a terrible long drawn out process but eventually it was completed. I really need the late payments removed.
Last Thur I used the outside ATM machine at Citizens on XXXX in XXXX, Ma XXXX. The machine kept my card, for what reason I do n't know. This ATM machine is serviced by the XXXX. They service it every Thur. So I waited a week to retrieve it from the bank. Today I called and they told me they did n't have it. The woman at the bank told me if they had to service the machine in between, they might have thrown it out. So now I have to wait another week, while they order me a new card. I 'll never use that ATM Machine again, but no one should have to wait two weeks for there card, especially if it 's no fault of theirs. I love My Citizens, but a little upset with this issue. XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX I filed identity theft also filed complant with FDIC THE ACCOUNTS THE ACCOUNTS SHOULD BE DELETE.
Between  XXXX   XXXX ,    2017  and  XXXX   XXXX ,  2017  I discover ed Pinnacle Credit Services  reinserted account #  XXXX  in my credit file.   XXXX   is required to notify me within 5 days of reinserting a previous deleted item. I did NOT receive any notification.
I was preparing to 'DISPUTE ' the results of [ Case # : XXXX ] company 's reply but it 'timmed out ' and now I get a message saying the account has been disabled. ( I first reset my password, read the response, it timmed out, now I can not access it. )
On  XXXX   XXXX , I received a letter fro m Machol & Johnson LLC, Atto rneys at Law  XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX , Co  XXXX . It informed me that they were acting on behalf of  XXXX   XXXX   XXXX  and that I owed their client {$5700.00}.   On  XXXX / XXXX / 2017 , I responded with a certified letter exercising my rights under the FDCPA and Oregon  State law.  I did not admit that I owed the money and my income and property are exempt from sale or garnishment. I requested that they stop contacting me about this matter. This letter was received b y M & J, Attorneys o n  XXXX / XXXX / 2017 .   On  XXXX / XXXX / 2017 , I received a letter fro m M & J, Attorneys sending me verification of the above referenced debt. The letter stated : " Pursuant to your request for verification of the above-referenced debt, we provide the following information from our client : '' At NO time did I request any information from M & J At torneys.   Sincerely,
I currently am behind in my mortgage payments and have submitted an application to be considered for a loan modification. I have provided all documents requested to be considered for assistance but I have a foreclosure sale scheduled on XXXX/XXXX/15. My mortgage company is saying they dont have enough time to complete the review and that my home will go to sale. I need help getting this sale date postponed.
I did not recieve a notice to validate the debt. They are stilling trying to collect on it. That is a violation of the FDCPA and FCRa because they are also reporting it on my credit report.
I opened a Lowes credit card in XXXX 2015. They contract their cards with Synchrony Bank. My XXXX payment of {$42.00} was due in XXXX. I made a phone payment got a confirmation number. Three days later I got a call from the bank about my payment. Called back was told payment was received. Happened again. So XXXX times I was told payment received. They I get my XXXX statement showing payment was n't received and a late fee and the payment was {$180.00}. So $ XXXX {$84.00} which I sent and a letter saying there should be no late fees since I made and was told XXXX times it was made. Even with a late fee {$84.00} & XXXX is {$100.00}. XXXX statement arrives and again a late fee and a payment of {$.00} I send {$100.00} with another letter stating there should be no late fees. They declined my request. So XXXX statement arrives and they say my payment is now {$320.00} How in four months can my payment go from {$42.00} to {$320.00}. They keep saying there 's a past due amount of {$160.00} I have made all 4 monthly payments and wrote numerous letters every month. What is this {$160.00} for? I checked your web site and seen other complaints with this bank about phone payments. I will be also writing a letter to Lowes letting them know I will never shop in their store again. My credit is ruined I 'm sure because of this bank. I want ALL FEES taken off this account. I do n't even know what it 's for either. I made the payment was told XXXX times it was made. THEIR fault. I even talked to a person and was told this.
I recently contacted Sears/CBNA credit card regarding my credit card account reflecting 30-60 days late ( XX/XX/2018 ) on my XXXX, XXXX, and XXXX credit reports. After discussing with Sears/CBNA that they did not have the proper contact information, this company refuses to reverse the 30-60 days late in XX/XX/2018. In the attached letter, the company acknowledges having the incorrect phone number and acknowledges they were not able to contact me by phone regarding the delinquent payment at the time, AND still does not remove the 30-60 days late in XXXX. The company states I received a paper statement and that should suffice but again, does acknowledge having the wrong contact number for me. I have since closed this account due to the lack of integrity within this company. I am requesting that you investigate this matter and either delete this account from my XXXX, XXXX, and XXXX credit reports or remove the 30-60 days late payment history from XX/XX/2018 on all three credit bureaus. I have attached Sears/CBNA 's response to my letter requesting the removal of the 30-60 late payment, and again, they acknowledged having incorrect contact information listed on my account but refuse to remove the late payment. According to US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, I am entitled to have correct payment history reported or else this will be a law suit for defamation and financial injury.
A company named XXXX XXXX XXXX claims I owe them money. A credit collection agency, Joseph, Mann, & Creed, ( JMC Account # XXXX, Client Account # XXXX ) keeps calling and sending me bills and threatening other actions. 

At some point, my XXXX-year-old daughter contracted with XXXX XXXX to receive services and I neither co-signed nor agreed to be responsible for the account. I never used or benefited from XXXX XXXX in my home. The services XXXX XXXX may or may not have provided my daughter were for her apartment located some twenty-five miles from my home. And as a point of fact my daughter tells me XXXX failed to provide the services she had contracted with them to receive. 

I have asked for proof of my alleged debt and all they send is account statements.
This morning I checked my credit report with Experian and XXXX XXXX XXXX is still showing on my credit report. They show a balance of {$11000.00} and this is old information dating back to XXXX. I see that the account # they use is XXXX. And the date they reported was XX/XX/XXXX. 
The date is wrong for when the vehicle was purchased and the car was wrecked totally and was not able to be salvaged. GAP insurance paid XXXX along time ago ; so all information is incorrect.
XXXX Financial Abuse from Checking, Savings and CD, Manipulation of funds, disregard for Customer complaints policies and procedures. See attached
I moved to an area that my XXXX phone would not work at my home. Which in XXXX contract is reason to void contract and for me to be able to get service with another provider. After I broight this to their attention they said it was no problem to end my contract. I did and then they sent the remaining balance to a collection office and would not even talk to me about it.
I noticed that I had an account in collection via my credit report for XXXX XXXX XXXX and this debt was being persuded by a company called Credence. I contacted the debt collection company and XXXX XXXX XXXX and requested this debt be verified and validated. XXXX XXXX XXXX did not have an account attached to my social or the account number given by Credence. I received a letter in the mail from Credence on XXXX/XXXX/XXXX with a billing statement. Upon reading through this document I discovered several inaccuracies including a billing statement dates of XXXX/XXXX/XXXX to XXXX/XXXX/XXXX with a payment due date of XXXX/XXXX/XXXX, the letter was dated XXXX/XXXX/XXXX, an non residential address, and an invalid account number given by Credence. I contacted the company directly about my worries about this obvious docted document and they informed me they received it directly from XXXX XXXX XXXX. I pulled my credit report and this debt is reported on XXXX/XXXX/XXXX. Credence is standing by their story that this document came directly from XXXX XXXX XXXX and they are demanding immediate payment.
NATIONAL CREDIT SYSTEMS #XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX


National Credit Systems has 2 erroneous debts on my credit report for XXXX  XXXX.

NATIONAL CREDIT SYSTEMS #XXXX placed for collection: XX/XX/XXXX Balance: $XXXX and Placed for collection: XX/XX/XXXX Balance: $XXXX XX/XX/XXXX.

XXXX  Credit report shows false debt has been disputed by me:

Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XX/XX/XXXX

National is aware this is a false debt as I currently reside at XXXX XXXX, my lease has been renewed each year in my name since XX/XX/XXXX, because I paid all my debt to XXXX XXXX

National Credit Systems is aware of this fact as they just mailed me a letter to my current residence at XXXX XXXX.

I have provided a copy of my account ledger, which illustrates, I am still a XXXX XXXX tenant and my account is in good standing.
Cred X Debt Recovery is the collection company that I have been dealing with to pay off a payday loan from XXXX. I have been speaking with a representative named XXXX XXXX at extension XXXX. XXXX called me once at work and I asked him that day to not call me at work period that my work does not allow it and I ca n't discuss this inside the office that I work at period. I called XXXX XXXX XXXX today because I had an arrangement to make my last payment. I was asking for an extension and the supervisor XXXX that I spoke with told me that I basically lying about not being able to pay the debt and that he thought I just wanted to have a good weekend. He did not disclose to me that call was being recorded and did n't disclose the mini Miranda to me until the end of the call. They still tried to take a payment out of my account and XXXX XXXX at extension XXXX called my work phone to tell me the payment declined. I told him that I have already told him I could not get calls at work. He said that he forgot because it 's been a while since we have spoke on the phone. I asked him if they noted their account and he said yeah but he just forgot. so not only was I accused of lying about not having the money but I also received a call at work after specifically telling XXXX XXXX that I could not get calls.