WillisBack/dataset-financial-user-claim huggingface dataset:
I've been battling with this and been trying since XX/XX/XXXX to XX/XX/XXXX to have this loan removed by Navient. I've called to complain about a loan they said I owe. I called an asked for proof I signed for it an was told they can't provide me with a note instead they mailed me a receipt with the amount I owe which is {$15000.00}. It was less back then an it just kept going up. I didn't want on my credit as negative so put it in deferral to prevent my credit from going bad or having my income tax return taken.I disputed with all three credit bureaus an was told this was accurate an they submitted information but I have yet to see anything. I'm asking for proof that's all period. If they can't this company needs to remove it, including all three credit bureaus
On XX/XX/XXXX    I had stated process of trying to get information about the care loan that I had with the  XXXX   XXXX   XXXX   XXXX . I sent them a letter asking for the information of of the loan that was reported on my credit report. I let over a mouth go by and there was no information sent. I then sent a second letter out   XX/XX/XXXX   and nothing from that.. I sent a the third letter   XX/XX/XXXX    . All of the letters were sent certified with a return card. I bank is stating  one  a amount on my credit report but was saying that they sold the car. But is reporting the amount as if they did not sell the car.
I have hard inquires I did not authorize one on XX/XX/XXXX from " on site manager '' & two from " XXXX XXXX '' on XX/XX/XXXX & XX/XX/XXXX, these two from XXXX XXXX  were supposedly for an XXXX, I was told by XXXX there would no hard inquiries & did not authorize them to do any.
My wife was contacted by XXXX XXXX XXXX XXXX   ( XXXX ) concerning an unpaid toll violation in the state of Pennsylvania in my name. She was harassed by a series of questions over the telephone and eventually took their number so that I could return the phone call. Upon contacting the company, I was able obtain enough information that I could identify that the license plate and XXXX  that were involved do not belong to me. Understanding that I need proof, I contacted the Pennsylvania XXXX  Toll Violation department and learned that the correct individual who this charge is meant for shares my first and last names, but has the middle name " XXXX  '', while my mine is " XXXX ''. Based on their close proximity on a keyboard, its clear that someone mistakenly typed " S '' instead of " A ''. I called XXXX  back to give them the good news and let them know that a quick call of the Pennsylvania XXXX  Toll Violation department will help them clear up this once and for all. However, I was told that I need to submit a written dispute and also that I must take several steps to clear this charge from my name. I even have to incur charges to mail a letter certified requesting a validation notice. XXXX has impinged my personal time, my wife 's time, and now is forcing me to spend money associated with charges that do not belong to me. I intend to seek damages from XXXX associated from this loss of time, money spent, harassment of my wife, and for a finder 's fee for finding the correct debtor.
in Late 2012, Performant called me at my job ( XXXX XXXX XXXXXXXX XXXX - EXXXX XXXX  ) on the main XXXX XXXX phone. They asked numerous XXXX, XXXX and other coworkers who I was and where they could find me. 

I had no idea collection companies could be this abusive, and I paid them {$750.00} that they said would be applied to my student loans.
XX/XX/2018 I had a transaction through the XXXX option of my Citibank app for {$250.00} USD for a cellphone from a website called XXXX XXXX XXXX which is now down for maintenance. I ordered the device it was supposed to be received on that same day by their courier. Never was received due to high volume of orders and will be delivered or XXXX pick up whichever I decided on. I decided to schedule a XXXX pickup and never was emailed back to proceed the option. I decided to dispute this. I called the number it says call rejected. I emailed them and got a response with an email back saying it will be refunded at XXXX PST I never received the funds and called my bank after I couldnt contact the company of the cellphone anymore. The website says for question or information email XXXX so I emailed them and no response. So thats when I called my bank again and they said I had to fix this with the company which I did mention to them is not corresponding to my issue. Citibank did not help at all to retrieve my funds back after a fraudulent activity towards a promise to refund.
Company stated my " account '' was removed from their system and I would not receive calls anymore. Never purchased any products or services from XXXX XXXX so there should not be an account in the first place. Still calling with fake spoofed caller ID number that does not belong to them. As of writing time of call was XXXX my time. I will continue to file complaints against XXXX XXXX every day they call my phone.
On XXXX/XXXX/2016 - I made a purchase of XXXX tickets from XXXX and cancelled it in less than 24 hours. As per the rules such tickets gets refunds properly but due to some issues the refund was getting delayed so i initiated a dispute with Capital One regarding that transaction on XXXX/XXXX/2016. Purchase was adjusted by capital one on XXXX itself. Later on XXXX XXXX issued a refund. Now from that day till now I have been following up with Capital One to close that dispute. Called their dispute team thrice till now and chatted and called customer service at least 5 times ... but nothing has happened. Their dispute team said that they will do that. But nothing happened. Worst situation - they have n't even sent me a communication that they are closing the dispute. Dispute team works only M-F during certain hours ... long verification process and around 20 minutes per call. There is no secure message center to send communication within Capital One ... essentially i had spent close to 2 hours overall just to resolve this issue with Capital One and no output. No assurance or acknowledgement that they are going to do something.
For Experian I have several XXXX Inquiries ( XXXX ) that were reported and listed on my credit report - impacting my Experian credit score. All these inquires are NOT associated with any loans/credit cards/accounts that are active on my credit report and I issued a certified letter to Experian with a copy of the letters that were also sent out to the companies for verification ; the date of Experian 's signature of retrieval is XX/XX/2016. According to the FCRA, investigation has an allotted time of 30 days from the date of retrieval, which is XX/XX/2016 As of today, XX/XX/2016, I have received nothing from Experian stating anything about the investigation of these inquires. In my letter, I have kindly asked that Experian remove these inquires from my credit report since these inquires reflect negative information without representing any active accounts with my current credit. I would like for Experian to remove the following. ( Please see attached spreadsheet ).
I have a disputed debt with RGS financial that appears on my  XXXX  Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed.     Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act.     Regardless of this, RGS is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer.     Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client.     This is complete abuse of the credit bureaus, inaccurate reporting and holding credit reporting  hostage  under the FCRA, and blatant violation of the terms and conditions of credit reporting.
This account has been charged off and still reflects a balance on my credit report. Even so, this account has had no activity since before XX/XX/2009 and should not be reflected on my credit report at all after XXXX years.
In accordance with my XXXX Statement ( attached ) from Discover Card, my balance showing owed was {$8000.00} due on XXXX XXXX, 2015. This balance included an interest charge of {$140.00} which was calculated from a balance of {$8100.00} as shown on page XXXX of the statement. The previous balance showed as {$8000.00}. So the fact that the interest is based off of an amount greater than even the previous balance tells me that they have calculated the interest through the due date. On XXXX XXXX, 2015 I paid the balance in full of {$8000.00} and closed my account. 
I was quite surprised to receive an XXXX Statement ( attached ) showing a balance owed of {$43.00}, which apparently was an interest charge calculated from a balance of {$2100.00} as shown on page XXXX of the statement. I immediately contacted Discover Card to ask them to remove this charge as my account was paid in full and should show a XXXX balance and I was told that interest on cash advance balances was charged different than interest on purchases and that was the reason for the additional charge. I do n't understand what they are saying and I have no idea where this {$2100.00} amount came from that they based the charge off from. 
I received a written message ( attached ) from a manager, which basically stated that even though I paid the balance in full, there was still interest accruing somewhere, somehow. Apparently a calculation the general consumer can not understand, as it makes NO sense to me. I have paid off many credit cards in the past several years and I have NEVER seen this practice, and feel that Discover Card is taking advantage of the general consumer. 
I would never recommend anyone sign up for a Discover Card!
XXXX XXXX XXXX continues to call my cell number on Sundays multiple times & when answering the call, no one is one the other end. The number they continue to call from is XXXX.
Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies. I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and accurate. Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts, and opt me out of your systems.
I am a member of Alaska airline 's mileage plan member and I had the Bank of XXXX credit cards. Recently XXXX audited my mileage plan account, restricted access to my account & threatens to cancel my existing flight reservation if I do n't pay in cash for the flight I already booked with my miles. I had miles in my account for over XXXX years but XXXX audited my account only after I booked flight using my miles that I earned. 
XXXX says the reason for their action is because I violated the XXXX airline card terms and conditions and for not paying the card 's annual fee and for closing the credit card. 

First, I have never violated the credit card or the XXXX mileage plan terms. 

I applied for XXXX XXXX cards in XX/XX/XXXX and kept XXXX for almost XXXX yrs and I converted the other XXXX to a different BOA credit card as allowed by card terms and conditions. I opened XXXX XXXX cards in XX/XX/XXXX & closed them almost XXXX months later. Bank of America credit card agent waived the annual fees on these XXXX cards and I closed them almost XXXX days later. All credit card issuers allow you to cancel a card and not have to pay annual fee if closed within XXXX days. 
I have not violated any of the credit card terms and conditions. 
I saw an ad for the Bank of America credit card. I signed up for the credit card relying on the ad. I was approved for the credit card. I was awarded miles for signing up for that credit card & for using the cards. I thereafter closed XXXX of them consistent with the XXXX of those cards. After earning the miles from an agreement with BOA, an agreement by which I abided, XXXX decided to revoke, rescind, and remove miles I earned vis-a-vis an agreement which I did not breach, yet XXXX appears to be saying I did. I did not violate any agreement with XXXX. In fact no where in the credit card agreement and terms says my miles will be removed or my flights booked with the miles will be canceled if I close the card. I did n't sell my miles to others and I did n't book awards for others. XXXX argument is based on " they 're our miles, we can do what we want, whenever we want, to whomever we want, for no reason whatsoever, even if the member abided by the terms of the agreement. 

I
Convergent Outsourcing is trying to collect a debt for XXXX on an account I had in XXXX. The bill I owed when I relocated to XXXX was {$25.00}. I received a bill in the mail today stating that I owed the creditor {$790.00} with an offer to settle the debt for {$470.00}. I knew that this was wrong and I contacted them and they told me that I only owed the said {$25.00}. I advised that I would pay this bill but requested a document/bill stating that was the amount owed. I had researched this company and it seems that they do this more frequently than I realized. Attempting to collect a higher amount, and if you disregard they will ruin your credit. This needs to be addressed I feel since it can be considered fraud (?? ) possibly?? Or as I felt when I received this bill harassed. I have the account number and document and written documentation of my conversation with Convergent this evening. Thank you.
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
We have been working on a Short Sale since XXXX ( See attached Document named " Summary of Events with Citi Mortgage on the Short SaleXX/XX/XXXX '' ). The lender has given excuse after excuse why it has taken so long to evaluate the offer. Their continued inexplicable delays caused the original buyers to walk from the deal after the contract expired ( 180 day ) despite having a complete package the entire time. Immediately, after the other buyers " walked '', we submitted another Cash offer and complete package at the direction of the lender for the same price. It was provided directly to them AND their local counsel ( See Attached ). The Lender performed an appraisal just a few weeks ago ( attached ) that supports our offer price and  assures them they will NET what they desire. 

The Lender and their Counsel have refused to the cancel the sale next week despite continuing to work on the short sale offer, asking for documents they already have and admitting receipt of a complete package. This unfortunately is not surprising since they have continued to push forward with the foreclosure sale despite having an open loss mitigation alternative. They are simply dual tracking this foreclosure case and not acting in good faith. Previously, they failed to cancel the trial despite admitting to be in possession of a complete package/short sale offer for months. This is the definition of DUAL tracking. CITI is simply is trying to drag this out and force foreclosure when a SHORT SALE offer is in their possession which is a cash deal that NETS them exactly how much they require. This is a WIN WIN situation for both parties. There is no reason not to postpone the sale and approve the Short Sale Immediately which benefits all parties. Why are they allowed to move forward with a foreclosure case including a trial and sale when they had a complete package since XXXX ( verified by their counsel on XX/XX/XXXX ). 

Again, They are DUAL TRACKING this foreclosure Case and have been since in inception. PLEASE HELP!!!!
Don't anything about this debt from XXXX. Have not received notice about debt at anytime, so I could had a chance to disputed it.
I receive repeated phone calls from Portfolio Recovery to my cell phone number while I am driving and I believe they are calling other family members and hanging up. I have even receive text messages from them.
TRANSUNION LISTS THAT I HAVE LIVED IN XXXX AND XXXX. I HAVE NOT
I have been contacting Bank of America, who appear on my credit file as BK OF AMER numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquire date of XX/XX/XXXX, And listed on me XXXX   report with a inquiry date of XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud. 

The listed contact information I have for this company differs, one is XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX and another is XXXX XXXX XXXX XXXX XXXX Tx XXXX ( XXXX ) XXXX
reported XXXX XXXX, XXXX XXXX : XXXX damaged credit not mine
BBVA Compass XXXX signature card statements from : @ XXXX, XXXX through XXXX XXXX, XXXX BBVA Compass XXXX signature card BBVA Compass XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX BBVA Compass XXXX signature card BBVA Compass XXXX XXXX XXXX XXXX, AL XXXX XXXX BBVA Compass ( both listed locations ) send me statements and complementary checks. 

This is the letter that I have sent both locations : Stop sending me BBVA Compass checking/saving account notices. I do not have a BBVA Compass account.

Stop sending me BBVA Compass XXXX Signature statements. I do not have a BBVA Compass account or BBVA Compass XXXX Signature card. 

In writing, please respond to me and : 1. verify that I do not have a BBVA Compass account.

2. verify that I do not have a BBVA Compass XXXX Signature card. 
3. verify that BBVA Compass has notified its credit rating services that I neither have, nor have requested, a BBVA Compass XXXX Signature card and that my request to stop these correspondences from BBVA Compass does not, and should not, affect my credit rating. 

On XXXX XXXX, XXXX I received a BBVA Compass letter from BBVA Compass XXXX XXXX XXXXXXXX XXXX, AL XXXX. The letter " per your request, we have closed your XXXXBVA Compass credit account. '' XXXX XXXX, XXXX I received another XXXX Signature care statement. It seems that my information has been transferred to another branch and it starts again. This appears to be a XXXX XXXX scam with fictitious accounts. Additionally, neither of the statements has a complete account number - the last four digits differ from each location but the Customer Service phone number is the same and useless.
There  are two addresses on my report that I have never resided at and do n't know how they got on my report. The two ad dresses that are incorrect and should not appear are the following :  XXXX   XXXX   XXXX   XXXX , GA.  XXXX   XXXX   XXXX   XXXX   XXXX , VA.  XXXX  I ask the the above addresses be removed from my report because they are incorrect and I have never resided at eit her one and never used these addresses.
XX/XX/18 XXXX Started email with XXXX XXXX @ XXXX regarding buying " XXXX ''. 
XX/XX/18 XXXX Asked if still available and is XXXX  okay for payment. 
XX/XX/18 XXXX Responded to send payment to XXXX as friends and family screenshot when done and provide me your email to forward bot. 
XX/XX/18 XXXX Informed XXXX XXXX that payment was sent by XXXX via my BOA bank account by my email : XXXX. 
XX/XX/18 XXXX XXXX XXXX responded payment is on hold and asked if it could be refunded and resent via XXXX XXXX 
XX/XX/18 XXXX XXXX XXXX responded to send payment to XXXX. 
XX/XX/18 XXXX XXXX XXXX responded with different email of XXXX XX/XX/18 XXXX Told XXXX XXXX I sent money to the first email address and asked if I was going to get it back from that one. 
XX/XX/18 XXXX XXXX XXXX responded " you cancel it bro ''. 
XX/XX/18 XXXX Told XXXX XXXX I sent the money to XXXX on the first gmail. 
XX/XX/18 XXXX XXXX XXXX responded " can you cancel it? '' XX/XX/18 XXXX XXXX XXXX responded send it to XXXX. 
XX/XX/XXXX XXXX Told XXXX XXXX to let me know when XXXX is sent. 
XXXX Told XXXX XXXX to send the product or I would call the bank to obtain a refund. NO RESPONSE!!! 
XX/XX/18 - Called BOA to follow up on claim regarding scammer using XXXX on XXXX {$400.00} and XXXX {$400.00}. Both claims were closed because I had authorized the payments. XXXX reimbursed the first {$400.00}. BOA was not concerned that I had been scammed by XXXX and refused to reimburse the other {$400.00}.
I GOT PER LAW THE OTHER XXXX CREDIT REPORTS BUT NOTYOUR AS THE PROGRAM WILL NOT LET ME GO FURTHUR THAN FILLING OUT INFO THEN CLICKING. BY LAW I CAN GET ON FROM EACH OF THE XXXX CREIT REPORTING COMPANIES
ICR, Immediate Credit Recovery garnished my husband 's wages for {$320.00} each pay period ( every two weeks ) without proper notification. I was not aware of any money owed until I received paperwork for the garnishment from my employer until 8 days prior to the funds being deducted from my pay. The amount being deducted has adversely affected my family and my credit, I can not meet my basic living needs and I have XXXX XXXX children at home. Both are in need of summer clothing to fit them, and we have a combined school expense of {$800.00} that was due XXXX XXXX, and we ca n't afford to pay it. I have had utilities turned off, not able to pay for groceries and media actions needed because we have an {$11000.00} deductible. <P/>We are incurring late fees on our financial obligations and never had the opportunity to dispute or set up affordable payments. <P/>I need help ASAP as ICR has failed to respond to faxes, email, and phone calls. When I call I press option 3, them get a recording and disconnected. I requested a hearing on XXXX XXXX and was told they were wating for a response as to the date of the hearing only to find out 6 weeks later ( XXXX ) that they never sent it so we wait another 30-60 days for a hearing date while they continue to take money from my husband 's pay. <P/>We do not qualify for any type of assistance because they look at gross income, they do n't take the garnishment in to consideration. This company had contradicted themselves and made it impossible for us to meet our basic needs.
This number keeps calling me telling me that I owe {$290.00} for a XXXX bill. I do not have a gas bill in my name, and I have not. I asked for the address and they gave me an old address of mine. I verified with the person who lives at that address now and they have XXXX under their own name.