WillisBack/dataset-financial-user-claim huggingface dataset:
I had contacted  XXXX  about providing high speed internet at my house. They charged me then subsequently found out that they could not provide this service at my address. Naturally, they told me that I did not owe anything and yet somehow they continued to send me bills and eventually sent the bill to collections. I have had repeated conversations with  XXXX  where they say they have no record of me owing any debt, yet the debt continues to hurt me on my  credit score. Ple ase help as I am trying to purchase a house and this debt not owed is impeding my ability to get the best rates that I deserve.     Thanks.
I've disputed with Experian on XX/XX/18. I did a follow up with dispute letters and a call on XX/XX/18. I explained to the representative that the collection accounts were not mine, but I received no help. I sent this letter and made the call in regards to the inaccurate information reporting on my report. Today 's date is XX/XX/18. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. I have collections on my account that have been hurting my credit score and I want them removed immediately. The FCRA gives the company 30 days to respond, I have not gotten a response.
I opened a account with u.s. bank. I deposited XXXX in money orders. First money was on hold for 5 days. No one told me this at the bank when I deposited it. I was given access to XXXX. I get a temp. Debit card that would not work. So I could not even access the XXXX. I called and they said it was because a new card was sent. That would void temp card. Then I get funds released. I get a new debit card and credit card from U.S.Bank. The new debit card is now frozen. I called and was offered no help. Then I get a text that another card is being sent. Why I don't know. Now my debit card is frozen. My credit card is frozen and my online account will not let me on. I have called and emailed the bank. No one can help me. I was told a person named XXXX is the one that put the hold and he is the only one that can release my account. He will not return my call. He is unable to be located when I do call. I do t know what the problem is. This is my money. I have rent and bills to pay. I can not even buy food now. I am very frustrated. I want answers and I can't get any.
On XX/XX/XXXX at approximately XXXX the office of McCarthy McCarthy Burgess & Wolff contacted my mother on her personal cell phone about a " purported debt '' I owed. She asked them to quit call. They knew it was my elderly mother 's phone when they called. They had no reason to call that number were not given the number by me. She immediately stated the name of her company, which intentionally sounds like a law firm trying to make my mother think I was being sued. When my mother asked if she was a law firm she said, NO a debt collector. She is not suppose to be talking to my mother about debt collection. 

This is their tactic to embarrass me regarding the debt and harass my mother. They need to be punished to the fullest level that the law allows.
I have asked EQUIFAX to delete this information and they continue to put it on take it off and I am fed up with the entire mess. They are supposed to do what I ask them I sent proof of the problem and they just keep putting this erroneous incorrect information on my credit report. It is also reporting XXXX XXXX, the Consumer pursuant to XXXX ( XXXX ) has asked to have them delete it and they have not done so as yet. I do not feel it is right for them to allow the unauthorized use of my credit from a DEBT COLLECTOR, without my permission nor my loan level documentation for the whole world to see. This is a violation as well it is called IDENTITY THEFT, PURSUANT TO XXXX, which is ridiculous. EQUIFAX has done this same ruthless thing for years and it has to stop. They are defaming my character and harming my well being when I want to obtain goods and services for my family, personal, and household use. I want this information to be DELETED, as the Consumer as asked. The Creditors also have not provided me with a written agreement which must be done. I do not know why DEBT COLLECTORS, feel as if I must go to work, give them money which is not theirs and put the Consumer in XXXX, just because they do not want to work. This is against the law and part of the XXXX XXXX XXXX XXXX talking about these XXXX CORPORATIONS thinking that something is owed to them when it is not. This has to stop, CEASE AND DESIST reporting this inaccurate erroneous information.
I have several student loans ( private and federal ) being serviced through Navient ( formerly XXXX ). For some time now, there has been a pretty large discrepancy between the total current balance displayed on my account on Navient 's website and the total balance I get when I add up every transaction on my account for every loan throughout the life of each loan, I get a number that is approximately {$20000.00} less than what they are showing my total balance to be. I 've contacted Navient several times ( they 're claiming they have record of 3 times, it feels like it 's been more ) for some explanation as to why this discrepancy exists. Each time I call, I get a different reason and then I 'm told that a request is being entered for research to be performed on my account. Once the research is completed, I 'm told I 'll receive a written explanation in the mail. So far, I 've only ever received account summaries for a few of the loans I have through Navient. I 've never received any type of explanation or anything meaningful that I ca n't get myself from their website. I 've had 2 customer service reps tell me that the sum of all transactions on my account should be equal to my total account balance and that they do n't know why they 're not adding up correctly. Another rep told me that it could have something to do with them transitioning to a new system or their new website ( when they changed from XXXX to Navient ). In any case, I 've yet to receive any valid explanation.
XXXX/ Navient are liars and thieves, as I was working for the XXXX, I could not promote due to a economic crises/ a freeze in Hiring, they Violated my rights as to tell me about the income based repayment system or did n't want to help me in any way. They forced me into default due to the rise of the economy and said I HAVE TO PAY XXXX dollars a month no matter what!. When I spoke to a lawyer the said I was " by law pay XXXX dollars a month ''. They all ways called my phone, contact me at working hours, and violated my rights and lied to me. Every time I called them the message said the did n't want to speak to me and sent me somewhere else ... I 've been very much fed up with them and I was treated like an animal..I have reported them to the XXXX..and would like action taking against these people, as a government back business I thought I 'd be in good hands, I was wrong. I Have payed off my Federal loans and they even screwed up on that ... possible even pocking the money ... I should n't have gone through all of this for a college degree. They forced me in default to get a lot more money out of me, which is wrong and I got XXXX over. I 've been looking at other complaints and almost all of them are the same as mine. Please help me here Thank you
On XX/XX/2016, I pulled my credit report from XXXX XXXX. I noticed that Equifax had deleted the XXXX credit card from my credit report. I have attached a copy of that documentation. In pulling my credit report today ( XX/XX/2016 ), you will see that Equifax has reinserted this credit card. See attached.
I was receiving a number of automated messages on my answering machine that spoke vaguely about some unpaid debt. When I called the number back and inquired I was told the debt ( in the amount of {$760.00} XXXX was an unpaid medical debt dating back to 2007. When I asked about the specifics of the debt and what is was for all they could tell me was the date and location XXXX XXXX XXXX XXXX XXXX. I then called the hospital to inquire about this unpaid debt and they said I had no unpaid through them. I called back the debt collector and they said they would send me a letter detailing exactly what the debt was for. I did receive this letter, but again, it did not state what the specifics of the medical bill were for, but expalined how I could pay the bill, which included a self-addressed envelope. While I was present at the hospital on this date, I was full insured at the time, and was never notified prior to this about this supposed unpaid debt, which is over 7 years old! I strongly suspect this was a fraudulent attempt at collecting money on an old medical charge that has already been paid.
I have identity theft on my credit report and the ONLY 2 accounts that should be on my report is XXXX  XXXX   and car loan i did not apply for any accounts for XXXX XXXX nor XXXX XXXX nor XXXX XXXX I do not have inquiries for those companys if these are not removed im taking this up to OHIO ATTORNEY GENERAL please remove all these accounts from all 3 beureaus As i have a police report on file. this is dinging my credit i have called numerous times about this to the lenders and i have disputed it numerous times its not fair that im being responsible for stuff thats not mine!!
MIDLAND CREDIT MANAGEMENT REFUSES TO PROVIDE ME A WRITTEN OR DIGITAL PAYMENT HISTORY OF PAY- MENTS MADE TO XXXX FOR A CREDIT CARD FIRST OPENED ON XX/XX/XXXX. THIS HAS BEEN ONGOING SINCE XX/XX/XXXX. ALL I RECEIVE ARE A FEW CREDIT CARD STATEMENTS FROM XX/XX/XXXX AND XX/XX/XXXX AS WELL AS A BILL OF SALE DATED XX/XX/XXXX SHOWING MIDLAND ACQUIRING THE ACCOUNT FROM XXXX. THE BILL OF SALE STATES THAT ALL INFO PERTAINING TO THE ACCOUNT WAS TURNED OVER AND THE PAYMENT RECORDS ARE/WERE MAINTAINED IN THE BANK 'S DATABASE. I MADE MONTHLY PAYMENTS FOR YEARS TO XXXX AND MIDLAND IS UNABLE OR UNWILLING TO VERIFY MY PAYMENTS TO SAME. I WILL NOT AGREE TO THE ENDING BALANCE DUE UNTIL I SEE PROOF OF MY PAYMENTS. THE COLLECTION LETTERS KEEP SAY- ING MIDLAND WILL PROCEED WITH COLLECTION ACT- IVITY AND SAY NOTHING ABOUT FURNISHING MY REQ- UESTED INFO.
I returned a vehicle at the end of a lease agreement. The finance company is now claiming excessive wear of all XXXX tires, and they are now billing me for the cost of XXXX new tires. I dispute the objectiveness of their appraiser and the accuracy of the measurements. The tires were within reasonable wear, and I do n't owe them the cost of replacing the tires.
Account number XXXX XXXX  XXXX Its mine. My forgiveness loan is with another company. XXXX XXXX XXXX not XXXX. 

XXXX  account XXXX shouldnt be in my report anymore. XXXX XXXX XXXX is my provider for my loan forgiveness Sears/cbna account XXXX thats not my account a shouldnt be in my credit report Home Depot/cbna account XXXX. I reported the card loss to Home Depot in 2013  along with everything in my wallet. Ive been calling them to make some types of arrangements no response. Please advise!!! 

I need help with this matter. I am a XXXX XXXX XXXX with XXXX kids. Just wants to fix this matter as quick as possible to move forward. 

Best XXXX XXXX
I received a notice on my XXXX credit card statement from Capital One was past due, attempting to pay the past due amount I paid {$400.00}. Apparently the past due amount was {$400.00} for which they sent to the credit bureaus my account was delinquent for {$9.00}. No where on my monthly statement does it state the past due amount clearly, it just states the past due amount and next month 's payment. Very deceiving to a customer when they are trying to bring their account current.
On XXXX/XXXX/XXXX I went to speak with a salesperson at XXXX Honda in XXXX. I was only going to get an inquiry about my vehicle that was due to be turned in because the lease was going to be up. I had been in a small fender bender, ( in my current vehicle ) and Honda told me they would take my vehicle right out from under me and put me in a new one, I said to them " of course you would, but at what cost? because I was just discharged from a bankruptcy and I want to make a fresh start, where I do n't put myself back in the same financial bind ''. They showed me a XXXX Honda XXXX. The salesman kept going back and forth with his Manager about pricing, looking to see what he can do for me. I knew that my credit score would effect the payment amount but I was curious to see what they could do for me. The salesman came back and said I can get the car for {$480.00} per month, that is without insurance. I told him that is just way too much for me, I know I wo n't be able to afford that!!! He kept saying " Come on I want to help you '' I said seriously there is no way I can or want to pay that much for a car because I 'm just coming out of a bankruptcy and want to better myself. I told him " I am just here to inquiry about the vehicle I have to turn in on XXXX XXXX ''. He kept pressuring me by saying " let 's just do it now while you are here ''. Looking back at the situation I was very vulnerable and in a position where I was desperate, because I needed a car since my lease was expiring in a month. I really did go in just to inquire and be better prepared when I do have to turn my car in. But, I feel like I was taken advantage of considering I told them what my situation was. All they wanted to do was make a sale and not consider what I could afford. XXXX is currently holding a postdated check from me, that I do n't have the $ $ $ for. They took a post dated check knowing I do n't have the money, now I 'm in a bind because I feel pressured to somehow come up with this money. My 1st payment is coming up and I do n't have that either. I really wish the sales people cared about people and not just pushing a sale right there and then. I 've tried taking the car back but they mislead me to believe that my payments will drop when my credit score improves in a month, but what about the money I have to come up with now??? I feel very helpless.
Capital one  XXXX   XXXX ,   XXXX   XXXX    XXXX   XXXX ,   XXXX     XXXX     XXXX ,2016,
RE : Unauthorized charges on my credit card from USAA, account restricted, unable to reach a representative within a reasonable amount of time and refusal to investigate my claim. 
I am a married father of XXXX young girls, run XXXX separate business : Build custom homes, Promote large events and provide entertainment services for Weddings, XXXX 's, charity events etc ... I have a highly regarded reputation, provide my services for many of the wealthiest families in Michigan and I have a great credit history with all my lenders. However, my latest experience with USAA regarding unauthorized credit card transactions have been incredibly frustrating and time consuming. 
Around XXXX XXXX, I was unable to log into my USAA account, I made numerous attempts to contact USAA, but once my hold time exceeded XXXX minutes I would hang up, hoping to find a better time to reach them. Finally, on XXXX XXXX, at approx. XXXX I reached a representative ( male ) he verified me and provided a passcode to log in. Once logged I noticed a balance over {$8000.00} whereas my balance should have been around {$3500.00}. I informed the representative there were numerous unauthorized transactions. He transferred me to Fraud investigator XXXX XXXX XXXX, I informed her all the charges from XXXX XXXX 2016 to the present were unauthorized. I identified these charges and incredibly this fraud investigator refused to take my report. She informed me that since my card was revoked. ( NOTE : card was revoked due to fraud transactions ) She was unable to take the report and transferred me to the Debt solutions department. Debt solutions dept. was not open, therefore I had to call back the next day. 
On XXXX XXXX at approx. XXXX I contacted XXXX, this took XXXX attempts and over XXXX minutes of hold time. At XXXX the next day I called and after more hold time lasting over 30 minutes XXXX from the XXXX answered. ( This is a different XXXX with same first name as the Fraud departments investigator ) This gets better, XXXX also informed me she was unable to help and placed me on hold for over 30 minutes. Finally, I could not keep holding and hung up. 
Days later XXXX XXXX, USAA reported my account revoked and a balance of $ XXXX this lowered my credit score by XXXX pts. and will jeopardize a XXXX figure construction loan i MUST apply for in a few weeks. 
I have exhausted every reasonable attempt and my only other alternatives are complaining to government agencies and follow up wit Civil action. During my conversations with USAA I did warn them of reporting inaccurate information to the credit bureaus as my ability to finance real estate to develop would be in jeopardy. I have also emailed these concerns and mailed certified letters the XXXX disputing the balance USAA is currently reporting. It is also important to note that over the last few months I have paid over {$80000.00} towards my revolving lines of credit per advice from my loan officer in preparations to obtain a large ( XXXX figure ) construction loan
My first complaint regarding my short sale that has been going on since XX/XX/XXXX, still has not been resolved. The file has repeatedly been sent back to the same departments time after time for 3 years. I have delivered every document in a timely fashion as requested. Now I am on my 3rd extension with the IRS to release their lien, which by the way will expire on XX/XX/XXXX. Which I also placed Wells Fargo on notice. Wells Fargo forced my Client to complete a full blown appraisal, XX/XX/XXXX, at her expense, now I am told a new Price Opinion needs completed, then the file gets moved to Cash Flow review, then from there it goes to a negotiator. This is beyond professional, there is no way these repeated events have assisted my Client in attempting to do the right thing, and continue to maintain the property, and keep the home from Foreclosure. With this being said, financial documents will expired, and the process will start all over again. There has to be an individual who can step in and get the job done. Instead of passing the file to these individuals whom ca n't seem to recognize what a deadline is after years of frustration, I keep getting the same answers.
I received a letter dated XX/XX/XXXX, from a company named Afni, Inc. stating they represented another company by the name of XXXX. Afni, Inc is attempting to collect {$590.00} for XXXX. I wrote to this company Afni, Inc. in XXXX, XXXX on or about XX/XX/XXXX disputing this alleged account with XXXX of {$590.00}. In the original letter Afni , Inc. also states that the " original creditor '' is XXXX XXXX XXXX out of New Jersey. After checking my credit report Afni, Inc. has disregarded my dispute letter and reported this negative information to XXXX credit report. According to my credit report Afni, Inc. is not even listed as a third party collector nor is the " original creditor '' XXXX XXXX XXXX listed on my credit report. My credit report indicates that XXXX XXXX XXXX out of XXXX XXXX, California is the original creditor, not XXXX XXXX XXXX. I need answers from Afni, Inc. regarding whom they are representing and why this negative information is listed on my credit report because clearly, I notified Afni, Inc. in writing disputing in a timely manner. And Afni, Inc. needs to honor that they received this letter. The letter from Afni, Inc. is misleading. However, I never heard back from Afni regarding disputing or validating the alleged debt. I have never heard of or had any business dealings with XXXX XXXX XXXX & XXXX because I live in Texas. I have not lived at the address on the letter since XX/XX/XXXX but my mail was forwarded to me. Again, I am disputing this debt and requesting for Afni, Inc. to remove this negative information from my credit report immediately because Afni, Inc. clearly did not follow up with me and reported this negative information. In addition, I do not owe any alleged debt of {$590.00} referenced for collection. Also, as my right, I have no desire to work with any of the three collection agencies listed under any circumstances.
Netspend completely lock me out of my prepaid card account. I have had a few deposits and refunds sent to the card not knowing I could be revoked access to my prepaid card account and any deposits that where sent to the debit card also.
I bought a bed using an interest XXXX credit card. 
I had used the card for purchases in the past, but paid them off after realizing I had been mixing up my cards ( statements attached for XX/XX/XXXX ). 
In XX/XX/XXXX, I used an XXXX, forgetting this card was still linked to my XXXX account. 
Realizing my error, I paid off the uber charges immediately. The charges did n't fall off the account, despite payments made. I made several payments, but was charged an interest fee ( XX/XX/XXXX and XX/XX/XXXX Statement attached ). 

I contacted the bank ( Wells Fargo National Bank ) and was told I needed to make all payments within a XXXX day window, so payments made before that window are ignored. I spoke with an employee and a supervisor.
XXXX XXXX XXXX, stated if I pay them in full XXXX XXXX. 2016, they would remove this information off my credit. I paid in full they have not removed the information off my credit to this day, after many attempts. XXXX is collecting for capital one bank Reference # XXXX ph # XXXX.
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it..The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my XXXX  XXXX XXXX  XXXX XXXX, and XXXX XXXX
A man living w mom helped her do modification on mortgage. He provides no loan documents and mom is XXXX XXXX XXXX so when i acted like i had proof of wrong doing he purchased a car and ran, came back then i got some paperwork saying she was paying a " note '' not a mortgage and she has to go by loan docs ( not att ) and interest is almost 5.5 % she saves nothing now 2 weeks behind again. She had to do XXXX trial payment sessions. All info on house is unsearchable and sh is listed XXXX different ways, no mid initial, mid initial C, and mid initial W. please help we have no money for atty
I have a CITI issued prepaid visa that was issued XX/XX/XXXX. I was unable to activate it in the 4 month window. When I called today XXXX agent ID XXXX advised they seized all funds and account {$0.00}. The terms and conditions advise of a {$3.00} per month maintenance fee but has no reference to the card company seizing entire balance. 
XXXX Visa Card was issued with balance {$120.00} now {$0.00}
I was looking over my credit report and realize that I have a lot of enquiries that did not belong to me. I sent the letters on XX/XX/2018 to XXXX and Experian to please investigate in this I also send out mail to the creditors as well but have not gotten a response from any of them it's over XXXX inquiries and different dates that doesn't belong to me, I also put a freeze on all my bureaus because someone is running my credit or using and I'm looking into getting a report or something done to figure this all out. 
I feel that that this very wrongfully that they're doing this to me as under Section 609 and section 623 I do have the right to dispute anything that's inaccurate under FCRA, I am trying to get on the right path with my credit far as purchasing a home soon I really need this to be taken care of please help XXXX  Experian has given me a hard time and I'll show them all proof as I can with all my identity I sent out letters within a couple of days they said they would not.
I have communicated with SWC XXXX several times via email and fax regarding XXXX frivolous account that was placed on my credit report. I told them that I do not owe this balance and provided a receipt from XXXX, which state that the balance is {$0.00}. 
I request the account be remove from my credit report effective immediately and they fail to remove it.