WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted XXXX XXXX XXXX regarding a debt that appeared on my credit reports. I sent a letter on XX/XX/2018 ( certified mail ) requesting validation of the debt with a contract bearing my signature. Resurgent Capital Services sent me 2 letters dated XX/XX/2018. One letter states the original creditor was XXXX XXXX with a balance of {$950.00} and the second letter states the original creditor was XXXX XXXX XXXX with a balance of {$940.00}. They did not send any of the information requested such as the contract from original creditors or the requested information proving they are now the owners of the debt. 

My second attempt at contacting XXXX XXXX XXXX was on XX/XX/2018, I sent two more certified letters. Again, I requested debt validation. XXXX XXXX ( XXXX XXXX ) sent a response on XX/XX/2018, well after the 30-day time limit for disputes, but there was still no contract as I requested to validate the debt. They submitted a billing statement. XXXX XXXX ( XXXX XXXX ) sent a response on XX/XX/2018, and they did not submit the contract as I requested but a billing statement. 

( Please note I was on military orders from XX/XX/2018 - XX/XX/2018 and was unable to respond promptly to their non-compliance in a timely matter. ) My third attempt at contacting XXXX XXXX XXXX was on XX/XX/2018. Again, I requested a copy of the contract for purposes of debt validation. XXXX XXXX ( XXXX XXXX ) sent met the same letter dated XX/XX/2018 again, with no contract of debt validation. I have yet to hear from XXXX XXXX regarding XXXX XXXX. 

I will update you if I receive any other communication before XX/XX/2018 which would be within their 30-day opportunity to correspond me. However, I believe they are already in non-compliance with the Fair Debt Collections Practice Act and the Fair Reporting Act because they have failed to provide the debt validation twice already.
On XXXX/XXXX/XXXX I had a Chapter XXXX Bankruptcy discharged. <P/>XXXX XXXX was included in this bankruptcy discharge, and should NOT be reporting ANY negative information on my credit reports. <P/><P/>Experian : XXXX XXXX listed as a " Negative '' in XXXX XXXX On XXXX/XXXX/XXXX I contacted Experian. The agency acted clueless as to why XXXX XXXX is showing negative on the credit reports. On XXXX/XXXX/XXXX I contacted XXXX XXXX whom said they would open up an investigation regarding the negative reports. <P/>I have also been told by my banker that XXXX XXXX is reporting a late payment from five years ago.
Citi Gold Checking Account Promotion not honored. 
I had applied online for Citi Gold Checking account on XXXX/XXXX/2016. After that I did n't received my debit card for few days and so I called Citi bank on XXXX/XXXX/2016 requesting to expedite the delivery of debit card and same time I confirmed the promotion offer that I would be honor for opening new Citi Gold checking account. The name of customer representative was " XXXX '' and she mentioned that after making debit card purchase of {$1000.00} or more in 60 days and making atleast one bill payments for two consecutive months I would be receiving XXXX AAdvantage XXXX miles into my XXXX account after meeting the requirements. I have met the requirement for the promotion offer and now when I contacted Citi bank they refuse to honor the promotion. I would n't had mind if they would have informed be that I would n't qualify for promotion offer on XXXX/XXXX/2016 itself or at the time of application. But since I informed that I qualify for the promotion offer on XXXX/XXXX/2016 by XXXX so I think Citi Bank should honor the promotion offer.
Both XXXX and XXXX have shown two accounts, one a collection from XXXX XXXX XXXX, and another from XXXX XXXX XXXX, which were successfully removed by an investigation in XXXX of this year as having been reported to them. The information these companies have is incorrect, thus the accounts were deleted from the report. Both accounts were added to the credit report again on XX/XX/18, without notifying me in any way.
Hi, I was making an online credit card payment with capital one on my cell phone in  XXXX   (   XXXX  of  XXXX  . ).  The site was n't downloading properly but I was still able to submit the payment. It mistakenly submitted a payment in the amount of the full, remaining balance in the amount of {$2600.00} and I only found out when I was assessed the returned payment fee. Subsequently spoke with a rep., explained it was an error and the returned payment fee was credited. I recently applied for an increased credit limit with capital one as I 'd like to improve my credit ( build a better credit ratio ) and was denied due to the aforementioned returned payment. I phoned  them at least 2 to 3 weeks a go and spoke with a very helpful rep., explained to her what happened and requested they update their records and remove the incident from my history as it was an error. They have not removed it. I spoke with a rep. about 2 days ago and he said he could n't see it on my account, but it 's still there as I applied for a credit limit increase again but was declined for the same reason. Please contact them and hav e Capital One  remove it from my history and with all of the credit reporting agencies immediately. Thanks in advance for your invaluable assistance.   Thank you.
I am an alleged cosigner to a student loan that I neither agreed to sign or signed. The loan was opened with Navient in XX/XX/XXXX for an amount of {$25000.00} and today, after what seem to be one apparent deferment after another, the loan amount now stands at {$40000.00}. I have tried unsuccessfully for five years to inform Navient that I did not agree to cosign this loan and any signature that they have with my name was forged. Navient informed me that they couldn't help me and that my only option was to file a criminal case for forgery against the borrower. They threatened to report my credit report and under duress I made two payments in a short term attempt to keep my report in tact, while I was going through the process of buying a new home. 
On XX/XX/XXXX I reached out to Navient by email to once again assert my defense that I did not sign for the loan in question. On XX/XX/XXXX I received a response from XXXX XXXX stating that Navient was unable to assist me by email but they would be happy to assist me over the phone if I called the number that was provided. I did not call and on XX/XX/XXXX, the account was reported against my credit and my fico score dropped 41 points on my credit report.
My Citibank Visa card was compromised. The account was closed but a few small charges ( vending machine ) continued to come in. I notified Citi of these charges and they were taken off. Finally XXXX last fraudulent {$5.00} charge from a vending machine came in and was on the last statement I received from Citi. I called and they said they had already taken the charge off so I waited to see if that charge would be eliminated when they made the automatic payment deduction from my checking account. Indeed they did not remove it and are now seemingly unwilling to reimburse me for this money which by law they are required to do.
I have disputed several items on all XXXX of my credit bureau reporting agencies. So far, I have received minimal help as well as help verifying information that is place on my credit report. I have not been able to get any proper documentation from a company listed on my credit report nor has the credit bureau responded in the bet manner
My XXXX credit card was charged {$2100.00} on an unauthorized charge. 
I 've called twice last week to discuss the issue. I was told twice to expect a call within 48 hours from the Fraud department. I have not received any return calls. 

I 've also attempted to call every day for the last 4 days, but the call remains on music hold for over 30 minutes and I have hung up multiple times.
I was XXXX at XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I have a XXXX XXXX that was further compromised by XXXX which severely limited my cognitive functioning. Due to the impact this had on my XXXX I was not able to sign or make financial decisions independently. The school recommended I fill out loan applications with their " trusted providers '', one of them being XXXX XXXX XXXX which filed for Bankruptcy XX/XX/XXXX and no longer exists. I never received any documents that informed me 1 ) that the loan was approved and 2 ) a check or wire transfer for the funds/loan they are now collecting on. 
I became aware of the possible discrepancy after being denied for a mortgage, and requesting copies of my student loans applied towards my XXXX tuition from the school financial services office. The ACS private loan did not appear and I can confirm that a check was never received or deposited to any account of mine. 
ACS claims they will try to research the issue, sending me a copy of the promissory note and a copy of the disbursed check that will tell me how the funds were delivered and to whom. Since I have XXXX % proof that I never received or signed for a deposited loan, I am requesting that ACS discontinue their credit reporting until they can provide the necessary financial documents that prove this loan is mine and the funds were deposited into a bank account by me. 
ACS claims that their process takes " 30-45 '' business days and demanding I continue making payments while I attempt to validate this loan. I demand they put a HOLD on my account until the proof is provided. 
The loan is currently a {$40000.00} debt which my father has paid in error for the last few years, believing it was something I may have taken out myself. Due to the seriousness of this issue and possibility of fraud implied, I demand that ACS expedite their standard process for recovering the requested data and cease all credit reporting activities until then.
they have reinserted deleted information on my XXXX report and claim they can not fix it period i have been battling for years to get the right information reported good things and they have just did my credit report wrong They put XXXX inquires that where removed on my report they added bad accounts i think all this was done purposely i have proof of what my accounts look like when they wiped it and when they jacked it below only thing that supposed to be on my XXXX is my good reports from XXXX and my XXXX card superior fc those account are wrong to they need to be fixed. but thats it XXXX was removed they added it back XXXX XXXX was sued and lost the added that this is just illegal! i have proof where this people just play with my credit report! span over a 3 year period
My name is XXXX XXXX XXXX XXXX ive had my XXXX Hyundai sonata for three years now and the price of the car was XXXX dollars but they told my XXXX XXXX told me after two years I could trade it in for something better I went the a XXXX dealership to trade to get a better year car they told me when they pulled my credit report that it did not show I had a car loan but showed that they car is paid off but ive been making car payments on this car. I finance company was auto credit but now it is XXXX financial I cant understand why the interest rate is so high and how come it 's not on my credit and showing that it is paid off. My social security is XXXX date of birth is XXXX/XXXX/XXXX my phone number is XXXX I need some answers
I have been disputing fraud charges with both Regions Bank and XXXX since I found out about the charges on Saturday, XXXX XXXX, XXXX and Regions Bank has denied replacing my funds because the initial charge took place on XXXX XXXX, XXXX. The dates of the charges range from XXXX XXXX, XXXX to XXXX XXXX, XXXX. The dispute forms for the charges were received on Monday, XXXX XXXX, XXXX and faxed back to Regions on XX/XX/XXXX with additional dispute forms that had to be faxed to me and completed as well. I faxed exactly XXXX pages on Tuesday, XXXX XXXX. According to Regions ( the dispute response letter that I received dated XXXX XXXX, XXXX from XXXX XXXX - Consumer Support XXXX ), I will not have my funds replaced ( ranging from $ XXXX {$210.00} ) because the initial charge was reported outside of the billing statement, however, a {$36.00} overdraft fee was refunded to my account on XXXX/XXXX/XXXX as a courtesy. As long as I banked with Regions Bank, my account was never over drafted until this issue occurred. It was not until after the fact ( Wednesday, XXXX XXXX, XXXX ) that Regions Representatives advised of enrolling in the online billing statements. It bothers me because the larger charges took place within the billing statement time frame and they will not replace it. All they did was give XXXX credits of {$26.00} and the larger charges basically threw them out when those took place within the 60 day statement period. I wrote the president of Regions Bank and have yet to get a response. I 've reported this information to the XXXX and all I am getting is back and forth excuses between Regions and XXXX as to why my funds wo n't be returned to me. The individual that stole my bank card information resides in XXXX and I have been a XXXX resident for over 20 years and has never travelled to XXXX in my adult years, nor since banking with Regions. I opened my Bank account XXXX/XXXX/XXXX and thought this was a solid banking institution that I could trust and remain with for a long period, however, due to recent events, I am incorrect. I feel as though Regions do not care about their customers like it is advertised. There should be no reason as to why it has or is taking well over two months to resolve this matter. I have provided all required information to both Regions Bank and XXXX and I 'm still at a dead end. No one wants to help.
We closed our mortgage wit h First Direct Lending o n  XXXX   XXXX ,    2017. The clos ing costs were {$800.00} more than we were told. We were told that day verbally we would get a check or direct deposit into our checking account. Then we were told in emails. We have not gotten  it. ( See Attachment A -  G. ) It has been very disturbing with all the excuses and time that we have gone through. Attached are those promises circled in red. We have made several calls and have written all the officers of the company and have not gotten any replies exc ept one which said we would be contacted within 24 h ours.   That was 2 months ago.     This process has time and energy draining as well as exhausting.   Thank you for your help.   Yours truly,  XXXX
On XX/XX/XXXX, I applied for a loan online from MoneyLion. The loan amount is XXXX which they were able to deposit into my XXXX checking account using my debit card information. On XX/XX/XXXX they were supposed to make a payment of XXXX using my same card. This should not have been a problem. In fact, this payment should have posted within seconds. I had more than enough to cover this transaction and I pay attention to everything in regards to my account. 

This morning, I woke up to check the status of the payment that should have been posted to my account several days ago. Well here is the result! The payment was never processed because they claim they had the wrong account information! I know my routing number and checking account number and I had this account from when I was an employee at XXXX. I also worked with reconciliation so I do pay very close attention to number especially what is due, what checks or direct deposit are being deposited for services I provide with various vendors. Now, they are claiming this loan is past due. I was livid this morning because I feel that MoneyLion is taking advantage of my situation by making the assumption that I do not pay loans on time. I'm saying this because my credit score was at XXXX based on the derogatory information reported by yours truly XXXX XXXX and XXXX. I will be filing a complaint about those two in a minute. Also, MoneyLion claimed that the loan that I borrowed from them would not affect my credit score. Guess what! When I accepted the loan, my credit score dropped down to XXXX. Also, they tend to inflate the amount of your expenses on their app. I thought MoneyLion was there to help consumer but I see they take advantage of people situation by not being honest!
I 'M SICK AND TRIED OF XXXX SHARE MY INFORMATION WITH FMA ALLIANCE ABOUT MY DEBTXXXX DID NOT WANT TO DO WHAT I ASK THEM TO DO FOR ME.AND THEY MISSED UP MY XXXX. FMA ALLIANCE IN XXXX TX NEED TO LEAVE ME AND MY FAMILY ALONE.I DO N'T HAVE XXXX. JUST HAVE XXXX AND XXXX.I WANT TO QUIT CALLING US PLEASE AND THANK YOUR HELP.
This is a formal complaint against Continental Finance ( XXXX XXXX ). There was an unauthorized charge on my card. I promptly reported it to my credit card company and they were very sluggish in resolving the issue. They sent out the required paperwork for me to sign to dispute the charge THREE WEEKS after I made the complaint despite the fact that I only had a limited amount of time to dispute the charge. Disgusted with the poor customer service, I withheld payment until the matter was resolved which was my right. After another 30 days had elapsed before they finally resolved the issue but had managed to add late charges of {$65.00} and even after I made the payments, they continue to mount late charges each month despite the fact that I made timely payments. 
The reason that they give is that the entire required payment including the late charges was n't paid in full. I only paid the required minimum monthly payment since the late charges were not valid since I made the required minimum monthly payment in a timely manner. I have tried to resolve this issue with the credit card issuer and their customer service agents are rude, arrogant and uncooperative. 
I am going to paid this credit card in full and close this account. 
But I want this companies ' unethical and predatory behavior on the record.
Please look into the billing practices of American Express credit cards. Like most people, I always pay all my bills at the end of the month. Amex has changed its billing cycle so that payments arriving early in the following month incur a late charge of {$35.00} unrelated to the amount then unpaid. This can amount to an APR of hundreds or thousands of percent. I was a cardholder for almost XXXX years. This problem did n't arise until the last few years. I strongly suspect that Amex deliberately altered its billing cycle to generate fee income from people like me who pay bills at the end of the month. I 've contacted them and asked that my billing cycle be changed, as other companies have done, but they were n't willing to do so. I 've paid off all charges against the card but refuse to pay these unwarranted and predatory late fees. Amex keeps dunning me for the late fees. I finally cancelled my card after a half century but the phone calls and bills keep coming. Undoubtedly there are many like me who regularly pay bills at the end of each month. On behalf of all of us, please look into this predatory practice, which is almost as usurious as payday lending.
The debt was removed due to Identity theft with XXXX XXXX. XXXX XXXX sold the debt to JH Portfolio Debt Equi. My social security number was stolen when I was homeless and XXXX.
This is the occurrence where Santander Consumer USA has contacted my job without my permission or disclosure of my workplace. They have researched my private information to obtain my work numbers at both XXXX NY Office ( months prior XXXX ) as well as XXXX XXXX XXXX today ( XXXX/XXXX/16 ). They have caused me great embarrassment by expressing they are calling to collect a debt while speaking to unauthorized individuals. They have provided false information to intimidate me into making a payment, stating that I will ruin my credit indefinitely and will not be able to get a loan again. ( in definite terms ; and providing credit assistance to further their goal of payment ). They have been uninformed since the accident of my vehicle claiming my car is to be repossessed never acknowledging there was no vehicle to repossess since it was a total loss. I have expressed that matter to them on numerous occasions. They have a towing companies call my personal number unnecessarily. Todays invasion is the last time I will endure their harassment silently.
I requested my first credit report from TransUnion and received a report date issued XXXX/XXXX/2016. I noticed the report indicated a mortgage in the amount of {$96000.00} which I did n't know anything about. I called TransUnion to understand how this information was generated ; where did it come from? They were unable to tell me how or from what banking institution provided the information to TransUnion ; they kept asking me what bank it came from. I repeatedly asked and then spoke to a Supervisor who again could not tell me where the information came from, but TransUnion was happy to delete it from my credit report. They did n't do any investigation as to why or how this happened. I would like to understand their investigative procedure and why they are unable to tell me how this was reported incorrectly. I am currently in the process of separating assets with my spouse and need to be sure this liability is not outstanding. Thank you for any help. TransUnion did a poor job of ( not ) investigating and responding to my concern.
My Mother XXXX XXXX, passed away on XX/XX/XXXX. She opened up a US Bank Platinum Visa Card XX/XX/XXXX. Her payments were set-up as autopay from her checking account above minimum payments were paid monthly as she was able to make them. She was responsible for keeping track of her finances. 

To my knowledge she added me as an authorized user of the card when her health declined in XX/XX/XXXX. In spring of XX/XX/XXXX I reviewed her credit card bill and found many charges she did not authorize. I contacted vendors to reverse charges as I felt elder abuse was happening to my Mom. Her health was declining and her ability to manage finances declined. All US Bank credit card bills were mailed to her residence I did not receive bills. 

On XX/XX/XXXX the account was closed.While my Mom was in hospice her mail was forwarded to my address. Shortly after that the bank informed me I was responsible for this debt. The current balance is {$4900.00} I was offered a hardship payment plan for $ XXXX/mo for five years or a pay off for $ XXXX.I refused due the fact this is not my debt A letter has been sent to the Minnesota Attorney Generals office to US Bank . The bank still claims I am responsible. I dispute this claim as I had no idea I was listed as a co-owner, I am XXXX years old my only income is social security I am debt free other then the mortgage on my house. I still need help to settle this issue and restore my credit.
I was part of the EQUifax data breach. While trying to freeze my credit the phone call kept giving me marketing advertisements and asking me to select 0 or #, and then c=sometimes they throw in a *. All of these ads had nothing to do with anything related to equifax. They keep changing the ad and never stated if I had to keep answering to continue the call to get to a rep.