WillisBack/dataset-financial-user-claim huggingface dataset:
MY ENTIRE CLAIM WILL BE SUBMITTED ALONG WITH SUPPORTING DOCUMENTS! 

At the end of XXXX I applied and was approved for a credit card issued by USAA with a {$6000.00} credit limit. Several days/weeks later on XX/XX/XXXX I made ONE and only ONE transaction for {$5700.00} at a medical center called " XXXX XXXX XXXX '', before my credit card was due I was fully refunded ( as you 'll see the receipt I 'll attach ) for the full amount. 
USAA simply ignored it and kept on reporting late payments. I tried at least 30 times on different occasions to call them to correct it but they always told me they have no department to speak about these concerns ( it 's all on a recorded phone call, as USAA always said all calls are recorded ). However, they kept on sending me letter that I 'm late and need to make a payment. 

One day I decided it 's enough, and it 's not possible that they do n't have a department to speak to about this. I went ahead and filed a dispute with XXXX, XXXX & XXXX. 
XXXX & XXXX instantly realized the FRAUD USAA is doing and immediately removed and blocked it from reporting. 

However, XXXX kept on coming back to me with the answer that USAA provided supporting documents that there was no refund, which is very contra-dictionary, due to the fact I can proof otherwise. 

I ask the CFPB to uphold my rights and have them remove this entire account from my XXXX Credit Report as it 's having substantial impact on me getting a Mortgage..
QUALITY ACCEPTANCE for over a year has not used proper blue book, sent proper paperwork to prove they did not do illegal interest rates, selling of car, fixing the car, credit reporting, mass harassing phone calls, threats, fraud and embezzlement. I have contacted FDIC, FTC, OCC, DEPARTMENT OF INDUSTRY AND BUSINESS and now heading to media and then some. This is not taken care of until a reimbursement that satisfies us is made.
Transunion- I have about 20+ inquiries on my XXXX reports that I had no knowledge of until I was trying to get a house. These inquiries was not authorized. I already attempted to inform the agencies and the bureaus to no avail.. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX,, XXXX XXXX  XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/ XXXX XXXX XX/XX/XXXX, XXXX   XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX/XXXX XXXX XX/XX/XXXX , XXXX  XXXX XXXX  XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
I am reporting a complaint for Experian I asked him to please verify the 14 inquiries on my credit report that I do not recall. They never respond to me they're giving me a hard time here under Section 609 under the statue of limitation of fcra if they can't verify with my signature and must be removed. This is a violation under fcra that if they do not respond to any of my letters or orders and follow fcra policy it is {$1000.00} violation I am asking for this to be removed it doesn't belong to me.
Loan Number XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX I called Navient several times to fix what is reported on my XXXX and XXXX report however I have seen no results. I've made 8 consecutive payments and my account is in good standing with Navient however, this is not reflected on my credit report.
I received a phone call on XXXX/XXXX/XXXX from Chaplain Financial Services claiming to be a mediation company on behalf of an attorney for XXXX XXXX. They stated that I would be served by a county processor at my home ( I have not lived at the address they have on file since XXXX ) or at my place of employment. I called back to resolve the issue. They stated I received a payday loan from XXXX in XXXX of XXXX. I stated that I was not aware of a loan and I would request bank statements from XXXX. I made a payment of {$110.00} to this company and informed them that I would follow up after I confirmed said loan. I have never received a loan for this amount or from this alleged company ever. I have since disputed the original payment of {$110.00} because the company does not exist and Chaplain Financial Services refused to give me any attorney information and would not send me any written validation of this debt. They also stated that I had a default judgement for this debt, I have never received any correspondence from the alleged original debtor or any subsequent collection agencies. I looked up the number they called from online ( XXXX  ) and saw 53 complaints with the same situation. They have threatened to sue me, they have threatened me with wage garnishment, and threatened to charge me with fraud if any other avenues to pay a debt that does n't exist did not work to their satisfaction.
After I acquired a copy of my credit report I noticed that there were two accounts listed on them. One was from XXXX XXXX XXXX ( Collections agency ) and the other was From XXXX/XXXX. I discovered they were related in that the XXXX account was closed, and the debt on the account was sold to XXXX XXXX XXXX for collections. I contacted The debt collector and told them that it was not my account on or around XX/XX/2018, they then told me to dispute the account with the Federal Trade Commission and obtain a support document to send to them. I proceeded as instructed, and the collections account was removed from my credit reports. I soon noticed that XXXX  and Experian after many attempts to get the account removed from my credit report with them, and sending the same proof to them as I sent to XXXX XXXX XXXX, after a 30 day investigation they decided it was accurate, and left it in place.
I have two credit inquiries from XXXX dated :XX/XX/XXXX and XX/XX/XXXX that I did not authorize. I sent a certified letter to XXXX regarding the unauthorize inquiries. They sent me a letter back telling me to dispute transunion. Transunion wo n't except the letter XXXX sent me regarding credit removal of inquires.
I was one of the 143 Million Americans whose personal data was compromised in the Equifax hack on X/XX/17. I did not opt into an Equifax service, they had my personal data as part of their credit reporting duties. They did not properly secure this highly sensitive data, including but not limited to my SSN, and as such I am now at risk. Their tools and services provided to me in recompense are not satisfactory. In fact, their company profits from offering my credit monitoring services. There has also been news of insider trading, that top executives sold their stock before the news broke to the public.
I placed a freeze on my Equifax credit file in XX/XX/XXXX, to protect from any fraudulent activity, since my social security number was compromised in XX/XX/XXXX. 

I am now in the process of buying a house, and trying to get a mortgage approved. I attempted to lift my Equifax freeze on XX/XX/XXXX. The website said it could not process my request, so I called the customer care phone number, updated my information with Equifax, and was told the freeze was lifted. Additionally, Equifax mailed me a letter confirming that the security freeze was permanently removed from my Equifax credit file. 

On XX/XX/XXXX, my lending bank attempted to obtain my Equifax credit score. It came back as still frozen. I called the customer care line again on XX/XX/XXXX, who said the freeze was indeed lifted in XX/XX/XXXX. I said this was not correct, instructed them to lift the freeze again, and the representative told me the freeze was lifted again, and provided a confirmation number. We told the lender to try obtaining the Equifax report, and it was still frozen. 

I have since tried calling the customer care line multiple times, providing all correct personal information, PIN numbers, SSNs, and past confirmation numbers. I end up starting the process over again regardless, are told the problem will be resolved, and are left with no solutions. 

I even asked to speak to a manager/supervisor, and was transferred to another person. He was not able to solve my problem and asked if he could call me back. He indeed called back, but left a message looking for a different person, trying to solve a different problem. I called again stating that the supervisor left me a message with incorrect information, and the representative said the message was left in error, and not in regards to my account. 

The problem is still not resolved. On the most recent call to Equifax, they stated there's an error with their computer service, and it would take a minimum of 72 hours to process my request, to remove the freeze. I have continued to check their website, and use their automated phone service. The website will not allow me to perform any action on my credit file, " more information is needed '' and I'm instructed to call or mail them. The automated service line works, but it also states that there is an active freeze on my credit file still, and I can not lift it through the automated service. 

I tried to do the right thing by protecting my credit, my finances, and my future. I'm now regretting even trying. It's frightening that Equifax has this much influence on my life, and that amount of influence is equal to their inability to provide any customer service. 

Each representative I speak with starts from scratch, has no alternative solutions, just reads a script, and does their best to end our call as soon as possible. They become condescending, and one representative even said " don't worry about it ma'am '' when I was obviously distressed and angered by the situation.
Hey there I got a credit report from  XXXX   XXXX  and Equifax that is mostly accurate except for  XXXX  giant error - it says I have a credit card with   XXXX   XXXX   with an address located in  XXXX  that is now past {$4000.00}. I do not have such a card, I do n't live in  XXXX , and there is no way those charges are mine. I have no idea how this happened, please advise so that I can both get this off of my credit report and never have a similar thing happen again.
On XXXX XXXX @ XXXX, I made a {$460.00} cash payment at a local Bank of America drive-thru. Approximately 2 weeks later I got an overdue statement in the mail. I went into the bank, with receipt in tow. I was assured they 'd take care of it. After no results, I went into another location on XXXX XXXX, and was told that if I were to return to the original location, they should be able to correct the mistake on the same day. So, I did. I arrived @ XXXX and spoke to the Assistant Manager, XXXX XXXX XXXX who remembered I had been there and she said that she could not do anything. She had a personal banker call into customer service with all information, letting them know that she confirmed that it was due to a teller error and no fault to me. She told me that it would be cleared and all fees and negative reporting would be removed. Furthermore, XXXX, claimed that she would follow this herself to ensure that it is restored. Today is XXXX XXXX. I have been unable to use my card since before XXXX XXXX, and now, I have received a letter stating that proof of my claim is required. I am now left wondering if my payment was in fact stolen, as I am being treated with contempt. I have had this card with a very large credit limit, in good standing since 1997. I am afraid to make further payments and hope that someone will help me to straighten this matter up.
IN 2005 OVER 10 YEARS AGO I HAD AN ACCOUNT WITH XXXX AND AFTER MY CONTRACT RAN THROUGH DISCONTINUED SERVICES. MIDLAND FUND HAS SINCE BOUGHT THIS JUNK DEBT AND HAVE BEEN CONTINUING TO PERSUE AND REPORT THIS TO THE CREDIT BUREAU AND HAVE ADDITIONALLY PADDED THE AMOUNT INITIALLY WRONGFULLY REPORTED AS OWED.
I original had this overdraft line of credit on my checking account with XXXX Bank. however, due to a divorce I defaulted on the loan XX/XX/XXXX or XX/XX/XXXX. Due to the statue of limitation the debt should have been removed from my credit report XX/XX/XXXX. XX/XX/XXXX I submitted a letter to Portfolio Recovery ( debt was sold to them from XXXX XXXX ) requesting this debt be removed, and they responded they would not, and resubmitted it on my credit report XX/XX/XXXX.
I applied for assistance through Keep your home California  X/XX/2017   . I was approved for the program and was advised that all of the required documents have been received. Keep your home California has confirmed that they have submitted the assistance packet to my lend er BSI Financial Services. I  have called BSI on many occasions to confirm the status on my application, and they have been unable to confirm receipt of the application or any other information as to time-frame or status. I request that BSI provide me status of the KYHC application and resolve this issue promptly. KYHC ID #  XXXX
NOTE : This is NOT a duplicate complaint. Previous complaint returned with " unauthorized third party '' which does not exist in this complaint. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 1. On the credit report from EXPERIAN, there is a " collection '' record from XXXX XXXX XXXX. The balance is {$560.00} first reported on XX/XX/XXXX. On " Payment History '' it shows " Failed to Pay '' on XXXX, XXXX. 
2. A check was made payable to XXXX XXXX XXXX dated XX/XX/XXXX with the amount of {$560.00}. ( this is the exact amount of service requested, rounded up in credit report to {$560.00} ) 3.  On XX/XX/XXXX, the same check was deposited by XXXX XXXX XXXX with proof of check image attached. 
4. The credit report is incorrectly showing " Failed to Pay '' on XXXX, this collection is reported 3 years after the check was deposited by XXXX XXXX XXXX in XXXX 5. A complaint was already submitted to XXXX XXXX XXXX and the company responded that it has requested EXPERIAN to remove this collection record 6. An online dispute was submitted to EXPERIAN to correct this. However, EXPERIAN did not make the proper correction and still shows this incorrect collection record and " FAILED TO PAY '' in current credit report
On XXXX/XXXX/XXXX, payment was received by XXXX XXXX XXXX in the amount of {$69.00}. Of which {$34.00} was disbursed to XXXX XXXX same day. 

Also, AMERICAN Express had just received its disbursal for {$250.00} on XXXX/XXXX/XXXX, which is around the usual date for that payment. But fours days later, on XXXX/XXXX/XXXX there was a new civil action by American Express on my credit alert for the Last {$34.00} owed to them. On XXXX/XXXX/XXXX I made my final payment ever to XXXX XXXX Counseling which they disbursed to American Express on the same day. However I received XXXX more credit alerts. Another XXXX XXXX by American Express on XXXX/XXXX/XXXX and a charge off account notice on XXXX/XXXX/XXXX by American Express. These are all showing as derogatory remarks on my credit report and I would like them deleted please. Thanks.
I have had enough of PayPals lies. I tried to withdraw money yesterday to my debit card and it said it would take 30 minutes to reach my card. Then it was held for review and the person I spoke with at PayPal assured me it would be released by XXXX XXXX today. Now its XXXX XXXX today and the money still has not been transferred. You can not get these fraudsters on the phone since hold times are more than an hour, so they just keep your money against your will. It is disgusting.
I have been divorced since 2006 and my name is still on my ex wife 's mortgage she has had XXXX late payments that are now on my credit report how do I get rid of them?
Lender notified borrower that they are increasing the cost of our loan from $  XXXX  to  XXXX . They also required this increase to be effective the next payment thereby providing no advance warning that our monthly payment was increasing.
I have moved numerous times since XXXX 2015 and only learned of this debt when reviewing my credit report, as well as a notice in 2015 at my parent 's address. I contacted XXXX XXXX XXXX, they stated it was about the equipment and I told them that it was returned since my ex made her own account and received different equipment. I was advised by XXXX XXXX XXXX that the issue had been resolved, my bill would be corrected to {$0.00} and they would contact Southwest to take it off of my account. I continue to receive calls at all times of day and night on my work line and cell phone. My number has been passed to XXXX different numbers. I receive calls from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and other numbers either leaving automated message that leads to no where or no voicemail at all. I receive more than three calls a day on work and cell line. It does n't matter what time of day or weekend. I feel this company is fraudulent and have only read bad news about this company being a ripoff. Please assist, I received three calls on my work line just as I was writing this issue. I feel this is harassment and continue to receive calls that I have to mute my cell phone and screen my work line. I can not work with constant harassment from phone numbers that even when pick up they do not leave message or the call is hung up.
XXXX XXXX XXXX is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.
On    XXXX   XXXX   XXXX     ,  Ability Recovery  reported a delinquent debt on my credit. I had no knowledge of this debt nor any information about where this debt originated, nor the time frame. It only appears through    XXXX   XXXX   .
On Saturday XX/XX/XXXX I applied for a car loan via telephone from the dealership through lendmark financial. The loan agent at lendmark told myself and the dealer that I was preapproved for a loan at 24 %. I took possession of the vehicle, completed the necessary dealership paperwork and made arrangements to go to landmarks office on Monday XX/XX/XXXX. When I arrived at lendmark, they informed me that the loan was now a signature loan and was 32.499 % and there was nothing I could do since I had already taken possession of the vehicle. So I executed the loan paperwork. I have made all payments on time and well in excess of minimum due. On Tuesday XX/XX/XXXX, I received a call from lendmark telling me that since I had been making my payments and was ahead, I qualified to refinance my loan. They asked me if I would like a " cash out '' or lower payment. I responded that I would like a lower rate and I would not accept a " cash out '' or any loan modification that would extend the date of payoff for the existing loan. ( I have 29 payments remaining ) They asked for permission to run my credit and I consented. They said they would call me back. When they called me back, they told me they had gotten me a lower rate and asked me to come in to their office this evening to execute the papers. When I arrived, they made copies of my pay stub, drivers license, insurance card and took pictures of the vehicle then presented me with an offer at the same rate, included multiple insurance plans built in, a {$2800.00} cash out and a payment plan for 48 months and launched into a sales pitch. I interrupted the loan consultant and told him what the discrepancy was between the phone conversations and the offer. He excused himself from the room to " rework the offer ''. When he returned, he presented an offer that was .01 % lower, reduced the monthly minimum by {$17.00}, but added an additional payment to a term of 30 months. I explained the issues and walked out of their office. Lendmark has engaged in bait and switch tactics as well as fraudulent offers/claims. I can provide names of the dealership salesman as well as the lendmark employees if necessary
I was contacted in XX/XX/XXXX at work by Advantage Financial a debt collection agency.  I told her I had never heard of them and asked what it was for. She told me she had my signature on file for a document saying I would pay it I told her I 'd never signed anything and I do n't know anything about what she 's talking about. I asked for a copy of these I never receive them I called week later asking for them they said they would send them I still have n't received them. Two days ago I was served paperwork by their attorney. I called Advantage Financial to find out why I had never received the paperwork. The lady who works there told me they sent them to an address when she told me the address I told her I had never lived at that address and do you know what she was talking about. When I told her I still had no idea about this debt and I did n't know what she was talking about she proceeded to tell me it was medical bills for my daughter. I told her I do not have a daughter and this was not my debt. She then said she needed to speak with her supervisor and to call her back. When I called her back she said she was no longer able to speak with me about this and I needed to speak with her attorney. When I spoke with the attorney she threatened if I did not pay this they were going to garnish my wages. I told her I do n't have a daughter and she said yes I do this is my step daughter 's Bill and  they have witnesses and me signing it. However I 've never been married and I do n't have a stepdaughter I do n't even have a daughter. I have since then ask for a copies of this debt and I still have not received it.
In XX/XX/2018, I was wrapping up my studies ( XXXX XXXX ) and knew I was graduating soon and wanted to prepare for repayment. I am a federal empoyee ( XXXX, XXXX   XXXX ) and requested both Public Service Loan Forgiveness ( PSLF ) and Income Payment Reduction ( IDR ). XX/XX/2018 PSLF was approved and my IDR monthly payment was calculated at XXXX. Soon after, I qualified for a home mortgage in Hawaii ( Place of work, XXXX XXXX ). Due to a one income family ( XXXX child living with me and XXXX child in college ), the bank and I prepared a tight budget so I coud afford the house and capable of paying for other necessities. 

In XX/XX/2018, I was required to recertify ( PSLF ; proof of gov employment ) and annotate that if there was a change to my income. My income increased XXXX ( 1.7 % ). In XX/XX/2018, my monthly student loan increased from {$480.00} to {$1500.00}, close to 319 % increase. Since XX/XX/2018, I have tried to recertified 3 times, once my employer actually called XXXX to verify. No action as of today. Additionally, I have requested explanation how and why my monthly payment increased 312 % and stated that my original monthly payment of XXXX was I could afford. Once again, no action other than restating that {$1500.00} was my new monthly payment. 

With a {$1500.00}. student loan payment, obviously I would not have been approved for the loan on my home nor is even close to what I can pay monthly and pay monthly expenses. If forced to make this payment, I would fall into a severe financial hardship, if not even bankrupcy. Im not sure what to do at this point. Please assist.
AMCOL just reported a collection account on my report. Prior to reporting it, they did n't send me a notice of right to dispute.
I have told my loan company not to call me at work. It is against our company policy to get personal phone calls. I have been warned by my employer once already. I informed the finance company on XXXX occasions not to call me at work but they continue and say they do n't have a note of it. They do not try contacting me on my personal cell phone, they only call me at my work number.