WillisBack/dataset-financial-user-claim huggingface dataset:
A collection account (  XXXX   XXXX  ) originally reported by  XXXX   XXXX   XXXX  was disputed by me. An investigation was made  to Trans Union  back in  XXXX  and was ultimately deleted from my credit report, as it was founded the account did not belong to me. In  XXXX ,  XXXX , I contacted a collection agency  (   XXXX   XXXX   XXXX   )  listed on my credit report to pay a delinquent collections account that was in fact mine from  XXXX  in the amount of {$140.00}. I made arrangements over the phone to pay that account in full and the collection agency  (   XXXX   XXXX   XXXX  ) agreed to remove it from my credit report. That was done successfully. Shortly, thereafter, upon checking my credit report for accuracy, I noticed that the disputed, previously deleted  XXXX   XXXX  account by  XXXX   XXXX   XXXX  for {$820.00} was now back on my credit report as a {$820.00} collection account by   XXXX   XXXX   XXXX    w ith a new account open date of  XXXX   XXXX . This is fraudulent and unlawful. As this collection agency appears to have resuscitated a confirmed deleted account on my credit report. I have continuously disputed this wit h Trans Union and they  have only added a comment to my credit file saying that the consumer disputes this account. That is not acceptable!! I demand to have this fraudulent account removed from my credit file.
XXXX XXXX and Freedom Mortgage are not transferring my funds to make my mortgage payment. My account has been ignored more than twice and no one is taking responsibility. I have spent so much time on the phone and they insist on ignoring my issue. I feel threatened. I feel like they want to obtain a foreclosure on my property and want to see another late charge adding to my account. My credit score has gone down, and I 'm late on paying my mortgage because neither Freedom Mortgage or XXXX XXXX want to be held responsible for retrieving my funds. My mortgage funds I requested that Freedom Mortgage to retrieve are still in my account, and they have sent my issue to the credit bureau and are claiming I have n't made a payment while they are ignoring every call I have made. I 've owned my home since 2004, and I have n't been late making a payment until lately when Freedom Mortgage is taking care of the payments.
In XXXX of 2009 I called XXXX and placed an order to provide/connect my home with DSL Internet Service. After ten days XXXX send their Tech Rep to my home, but he Could Not connect the DSL Internet, claiming that my home is not equipped with the proper jack and the cost to connect the service would be {$150.00}. I called ATT right away and told them that if they can not provide DSL Internet to my home then I am CANCELLING MY ORDER. They said that I still owe them {$55.00} which is the price/cost of one month of DSL Internet Service. How can I be BILLED for Service which I have NEVER HAD!? Could you please explain to me What I did Wrong in this situation and WHY do I owe {$55.00} to ATT? I would not agree to pay them even {$1.00} and would NEVER again order Any Services from ATT. Please let me know if you have any other questions. Thanks & Regards, XXXX
CBSA  has been trying to collect {$4200.00} for   XXXX   XXXX   XXXX   this item does not belong to me. I do not have a bonded signed contract with  CBSA  I am not liable for collection of this debt   XXXX   XXXX   XXXX  . I am not responsible for this debt. Please provide valid evidence of signed contract between  CBSA  and my self to validate account.
THIS IS A COMPLAINT AGAINST THE BB & T BANK, BECAUSE I DID NOT RECEIVE THE CORRECT HELP WHEN I MAKE THE REQUEST VIA TELEPHONE CONTACT WHEN I MAKE THE CLAIM THAT IN MY BANK ACCOUNT I HAVE GIVEN MONEY SINCE XX/XX/XXXX DO UNTIL TODAY, EXPLAIN THAT I WAS TRAVEL AND THAT WHEN I RETURN, MY SURPRISE IS THERE WAS NO DOLLAR IN MY ACCOUNT. YOUR ANSWER IS GO TO THE BANK AND MAKE YOUR CLAIM XXXX, THAT WAY SO XXXX AND EVIL TASTE, DESCRIMINATIVE. THIS BANK HAS POLICIES THAT ARE NOT GOOD FOR ITS CUSTOMERS, AS THAT WILL SAY THAT IT CAN NOT TAKE MY CLAIM BY TELEPHONE BECAUSE IT HAS TO BE IN PERSON, THAT PASSES YOU, LACK OF RESPECT, THAT XX/XX/XXXX SAY THAT EVERYTHING IS LIE, I AM VICTIM OF ROBO AND SHE SENDS ME TO DO ALL THIS PROCEDURE? NO BANK IN THIS COUNTRY DOES THAT, EVERYONE TAKES ITS CLAIMS BY PHONE. THAT KNOWS IT IN WHAT STATE I MEET TO HAVE TO GO TO THE BANK. MY QUESTION IS TO THIS BANK? IT IS FOR YOU TO HAVE A DEPARTMENT OF FRAUD AND CLAIMS IF YOU DO NOT DO ANYTHING BY TELEPHONE ARE IT DOES NOT WORK.
On XXXX XXXX, XXXX Citizens One issued me a 90-Day Notice to Cure mortgage default. 
On XXXX XXXX, XXXX I sent an Error Resolution Notice Under XXXX XXXX XXXX by certified and regular mail. 
On XXXX XXXX, XXXX Citizens acknowledged receipt in the first of several acknowledgments. 
ON XXXX XXXX, XXXX Citizens states that they will request more time if they can not resolve my Error notice inquiry within 30 days and on XXXX XXXX, XXXX Citizens One sends me notification that my inquiry was sent to Office of the Chairman. 
On XXXX XXXX, XXXX Citizens applies funds to my loan account and begins a serious of payment reversals and loan activity. 
On XXXX XXXX, XXXX, despite loan activity and in non-compliance of deadline, Citizens fails to answer my XXXX XXXX, XXXX inquiry. 
Citizens demonstrates a pattern of practice of non-compliance under RESPA, that it continues this non-compliance after issuing me a 90-day notice to cure is exasperating, I implore CFPB to investigate Citizens servicing of my loan. 
On XXXX XXXX, XXXX I sent a sent a written inquiry for failing to respond and request to immediately answer.
I submitted a loan modification package around XXXX 2016 to Chase Mortgage loan modification department. I was actively working with Chase Mortgage when my property was referred to foreclosure. 

My property was placed in foreclosure while working on a loan modification. 
Chase double tracked my home while I was attempting to qualify for a loan modification. 

Now my home is in foreclosure and my payments have been blocked making me fall further behind on my mortgage payments. I was not given proper time or opportunity to be reviewed for a loan modification..
THERE ARE INACCURATE INQUIRIES ON MY CREDIT REPORT I HAVE ALREADY DISPUTED WITH THE CREDITORS ADVISING I DID NOT GIVE THEM PERMISSION TO PULL MY CREDIT REPORT. 

XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018
At the end of XXXX XXXX I called in to discuss my account with a rep who worked with me and stated that I would get credited the fees and interest that had been charged. I was reviewing the account and submitted a question on this last month but have not heard a follow-up on this. At that time I had interest charges on my account of {$22.00} and the credit posted to my account was for {$15.00}. I was following up on the additional credits starting on XXXX XXXX and have had numerous follow-up messages. Because of the credits not being processed this caused me an additional late fee of {$25.00} on XXXX and two additional interest charges of {$0.00} on XXXX and {$0.00} on XXXX. 

I am looking for a total credit of {$25.00} late fee plus interest charges of {$7.00}. 

I have sent approximately 8 follow-up messages on this issue and have had nothing resolved.
I had a mortgage that was paid through a Short Sale that was incorrectly listed on my XXXX reports as " Foreclosure ''. I disputed it with all XXXX bureaus. XXXX and XXXX properly updated the item on my files. Trans Union left it. I provided back up documentation showing the item was paid in short sale. How could XXXX properly update only XXXX of the XXXX credit files? Trans Union obviously made an error leaving this status as " Foreclosure ''. 

I have attached the same documentation I sent to Trans Union to this complaint.
i was victim of indentiy theft diputed to credit buareu Experian called also send letters always giving me hard time.
I have never applied for a home loan in my entire life. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.
Two weeks ago, family members began telling me that they were receiving odd messages on their home answering machines concerning me. Some of them were threatening legal action and demanding a return call and many answered calls continued even though this company was told that I could not be reached at their numbers. These are the first of many collection violations under the FDCPA, FCRA, and Texas Finance Code. There are even FTC violations occurring as well. My family members have saved and given me every single voicemail that was left by this agency and one particularly resourceful person was able to record a threatening telephone conversation between themselves and an agent of this company. This company made claims of a civil case being processed against me, however, a good friend works in the city office and assured me this is not the case. This is a common harassment technique used by unethical debt collectors. Yet again, another violation of numerous debt collection governing agency laws. 

I looked up the contact information for this company and sent them a cease and desist notice and a debt validation request, as I was unaware of what this company wanted me with. These letters were sent by certified mail and delivered on XX/XX/2018. This company has persisted with collections and has now even reported to XXXX and XXXX credit bureaus without validating the debt, which is now yet another violation to add to a long list of actions that are for liable for damages under numerous governing agencies.
Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. It is my understanding that you should n't be allowed to put an inquiry on my file unless I have authorized it. Because of this I initiated several disputes and was told I had to contact the companies directly. After doing so none of the companies responded, so I re-contacted the credit bureau via telephone and In their response, they stated AGAIN if I wanted to dispute things further, I needed to contact the direct company however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable. 

As of XX/XX/XXXX, the bureau is refusing to show proof of validation or to delete the below inquiries, as they dont belong to me. 

XXXX XXXX XXXX other than personal XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Miscellaneous XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX-XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX - XXXX XXXX Other Collection Agencies XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX I Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX ; XX/XX/XXXX
For reasons I do not understand, my company has not been given normal account access online. Because it starts with a XXXX, I do not have an account online and go through a strange portal to make payments. This portal is extremely limited. It does not report payment history, interest paid or due, etc. It simply accepts payments. I hate it and so I have accelerated the payments to get away from GM Financial. Since I made my first accelerated payment, I am no longer able to access the portal. I have been denied access for two weeks. If I try to pay online, I have to pay a fee. But, I can't access the portal to make a payment online, coincidentally this has been the case ever since I started accelerating the payments. When I call in, they discourage me from making a payment, indicating no payment is yet due.
I do n't have much information on this account, i just saw it pop up on my credit report. This debt is not mine. I do n't owe anything.
I am trustee on a home my mother owned. There were several XXXX dues levied on a monthly basis. XXXX XXXX contracts with First Service Residential for billing. I was not receiving bills in a timely manner. At the time of my mother 's death, the XXXX dues were due for about three months. I paid in full, and the XXXX cashed the check. Not two days later, I received a collection notice showing that over an entire year 's worth of dues were owed. I provided a written notice within 30 days disputing the debt stating it was paid and providing records. I asked Red Rock Financial Services ( the collection agency ) to verify the debt. I received no such records. I am now in the middle of selling the home. At signing, I was presented with a settlement statement from the title company stating that the XXXX dues are in collection status and that the amount still owed is significantly higher than the yearly amount. I still have received no justification for this amount and from where it has arisen given that the fees were paid in full.
Chase has refused to grant any forbearance for disaster victims in Florida. I am single parent and XXXX with a {$5600.00} deductible. My home suffered severe roof, garage and water damage during XXXX on XX/XX/2016. FEMA has not provided any assistance to me, other than to offer a loan I ca n't repay or qualify for. XXXX, services my loans and stated Chase was not willing to assist with a 6 month disaster forebearance. I dont ' understand how you are n't concerned with those in dire need but only with making money.
Barclays said they were offering relief to people affected by Hurricane Harvey and were automatically applying a 60 day freeze on payments. I noticed that Barclays had not done this on my account because they had been calling to collect a payment during this time frame. I spoke to a supervisor and was told they 'd retroactively apply it to my account allowing me to essentially skip payments in XX/XX/XXXX and XX/XX/XXXX.  Yet they reported my account 30 days late, and keep harassing me to pay. I 'd like them to honor their agreement and I begin paying again here in XX/XX/XXXX.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used t verify the account I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
There is being reported under public records that I have a open Judgment Case # XXXX, There is no account listed. 
I have been disputing this information with the credit bureau for numerous month now, By Mail and Phone. 

At this point Experian keeps telling me this has been verified when in fact its impossible that they verified the information, Well if they would verify the information then Experian would see this is wrong and has nothing with me. I have requested proof of verification from Experian which I was still not given and I am now waiting 3 months.
I have contacted Equifax on XXXX XXXX, 2016 and XXXX XXXX, 2016 asking them to remove this unknown account from my credit file that do not belong to me. To date, Equifax has not remove this account or provided me more information about this account. I am in need of your assistance of getting this account remove from my credit file.
On XXXX/XXXX/XXXX I went to XXXX 's to buy a winter jacket. When I went to the register I asked if I had any coupons that would reduce the cost of the coat. The woman told me that she could re-activate my credit card and that would allow me more of a discount. I was not aware that what the sales lady was doing was applying for a new credit card for me. I already had a credit card with XXXX 's that I have had for 30 years. The credit card application was denied on the spot as I have frozen all of credit with the 3 major bureaus to protect my credit, in light of the recent security breaches. The lady acted dumb and then charged the coat to my XXXX 's credit card that was already in existence. 
On XXXX XXXX, XXXX a letter was sent to me explaining that a credit card with XXXX XXXX was declined due to " insufficient number of accounts and insufficient credit experience ''. I called the XXXX 's credit department at XXXX. The woman I spoke to took down my information, verified that no credit information was looked into for my account and apologized for what had happened to me. The woman also gave me a 20 % credit for the winter coat that I purchased. I am upset because the sales person on XXXX/XXXX/XXXX is obviously incentivized to open new credit cards for customers and was not honest or truthful about what she was doing. This is illegal and should be addressed with XXXX XXXX. Who knows how many consumers have had credit card opened for them that they did not want or need because the sales people are being dishonest in order to get bonus money or other items as incentives for opening credit cards. Thank you for your assistance.
I am filing this complaint for two reasons, I believe that Navy Federal failed to take proper action when I notified them of fraud on my account. They failed to mark my card as lost or stolen which allowed more unauthorized and unreimbursed charges to be added to my account. Secondly, I do not believe they did a true investigation on my account, because I was told that these types of claims could take up to 10 days and both of my claims where closed within 24 hours. They also never advised me to get a police report for this fraudulent activity. They never called to ask follow up questions. My card was used in New York and Florida which are places that I could not have been in as I was in the hospital in Kentucky, of which I notified Navy Federal. My card was used to send money to people and address that I do not know. I think these are all clear signs of fraud that Navy Federal chose to ignore. Here is an outline of my interactions with Navy Federal : XXXX XXXX Unauthorized charges appeared on my account ( Please see attached police report for charge amounts ) XX/XX/XXXX -Called Navy Federal to dispute unauthorized charges on my account. They said that they would file a fraud claim and add a provisionary credit to my account XX/XX/XXXX I spoke with a male Navy Federal representative, he notified me that there was a mistake on my claim. They had failed to mark the card as lost or stolen. 
XXXX XXXX-The fraud claim was denied XX/XX/XXXXI sent an email, to request my claim be reopened and more thoroughly investigated. As I was in the hospital and could not have made these charges. I also called several times that day. The investigation was reopened and closed again within 24 hours. 
XXXX XXXX- I filed a police report. I hopes that Navy Federal would take my claim more seriously if I was able to submit legal documentation
I paired the my balance in full to the company that I owed the money to. XXXX XXXX XXXX of XXXX XXXX address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX their phone number is ( XXXX ) XXXX Paided them in full a long time ago for XXXX dollars. The collection agency was supposed to not even send out a notice. They said they would tell the agency that it was paid in full & delete. As of XXXX XXXX this agency has added this XXXX to XXXX as unpaided. It was n't even on that one and  now it is added and as unpaid. They were supposed to delete not add anything as the balance was paid a long time ago and they went even supposed to even send out notice muchless submit as a collection. 
Updated collection XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN N/A UNPAID $ USD XXXX I used to have these guys number but do n't know where I put it, does n't matter anyways as every time I would contact them about this issue the number was n't working anyways. very shady. 

my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX email XXXXXXXXXXXX
This is my second complaint. My first ended up being Case number : XXXX. Blackhawk provided a weak partial response saying they were investigating over two weeks ago, and my money is still locked up. I can not access any funds in my account, and this has been the case for over XXXX months now.
I have XXXX savings accounts and XXXX CDs at Synchrony Bank. Interest for all accounts in credited on the XXXX of each month. My account statements also cut off on the XXXX of each month. I view my statements online at the bank 's website, Synchronybank.com. The bank has not been able to produce any statements for the month ended XXXX XXXX, 2016. The activity for individual accounts can be viewed online. The CD accounts show a credit dated XXXX XXXX with the caption " Transfer Int to Acct '' but the amount has not been added to the account balance. There are no entries for the transfer of that interest to my savings account as is the normal process. The bank blames the problem on a new system that is not working. They continue to ask for patience. I have too much money deposited at the bank to continue to be patient.
I was summond to court for a debt that was paid off years ago the company had gone bankrupt. The collection agency has filed a lawsuit against me to garnish my wages. I think it is unfair to be charged again for something that was paid off.
I settled a debt with Bank of America. At the time of settlement they created a new account number for the debt, stating in their letter that it was for internal purposes only. After settling the debt it still shows up on my credit report as " charged off '' rather than " settled. '' I have sent the documentation to the credit bureaus and they have responded saying that the debt has been confirmed. This is a XXXX debt -- not XXXX -- so anything related to it should be reported as " settled '' -- even if it is associate with XXXX distinct account numbers.
Portfolio Recovery continue to attempt to collect on a debt that they forgave. I was sent XXXX but they continue to harass me by asking for payment on a debt they forgave and written off thru the IRS. Also they falsified information on my credit file stating that the debt was opened in 2012 to avoid removal of the debt which negatively impacts my credit score in a collection tactic attempt.
XXXX college went out of business and loss there accreditation, so now im stuck with {$20000.00} in loans. I 've been trying to get this resolved but Nelnet wont tell me how to get my loans discharged. Plus XXXX college was sued by the Colorado State general and the college is supposed to be paying back these loans, but know one knows how this is done.
A former room mate of mine put me as a personal reference on a loan for a company called " XXXX XXXX XXXX. '' It 's been over two years since he 's moved out and I do n't even know his phone number. I have told them this repeatedly and they call every two or three weeks asking me if I know where he is. They have been doing this for over a year now. They keep telling me the same thing, that he put me down as a reference. I never signed anything or even knew of this company until they started calling. I have blocked their calls on my phone but they still leave voice mails constantly.