WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I am hoping you can help me, please. Back in XX/XX/XXXX when I was XXXX, I got my first Credit Card through XXXX XXXX. I barely had any work history so I never thought I 'd get approved, but decided to try anyway. Fast forward through a few years, I tried to make it living on my own and racked up a lot of credit card debt. This card was closed with a balance of somewhere in the mid to high XXXX. 

In XX/XX/XXXX, a judgment was opened against me and they asked me to appear in court ; which I declined due to a snow storm and the long commute, but my father and I spoke with whoever was handling the case at the time and tried to offer a settlement. They were coming after me for over XXXX and we tried to settle for a little over XXXX paid in full, but they declined. 

Since XX/XX/XXXX, I did not have any kind of stable employment, I was a college student and worked on paying off my smaller debts and rebuild my credit. 

Last year, they tried to come after me again by garnishing my wages when I was working for a company called XXXX ; however, their request was declined due to my low hourly wage and part time hours. 

4 months ago, I started working for XXXX XXXX full time, and I am just barely crawling out of the hole I made for myself. After my mortgage ( house is in my boyfriends name only ), bills, car payment, paying our pet sitter, etc ... I barely have {$300.00} left for myself for two weeks for food and gas and to do anything fun for myself on the weekends, and now they are threatening to garnish my wages again by the end of XXXX. If this happens, everything I worked so hard for, all the debt I paid off, the credit I built will be for nothing. 

My job is moving to a new location in XXXX that is XXXX miles from my house, and I am trying to buy a house closer to work, but until then if my wages are garnished I definitely wo n't have enough money to get to work. 

If this debt is not 7 years old yet, it is very close to 7 years old. I will need to obtain my detailed credit report for the exact date since XXXX XXXX is limited. They are coming after me for {$4400.00}
My name is XXXX XXXX and I lived independently at the purported time of this collection, at the same address I had lived for 16 years prior I only came to know about this because I recently checked my credit and viewed a debt collection by " Conrad Co '' ( http : //www.conradco.com/ ). at which point I called them to find out more on the account. This debt appeared to have been filed in XX/XX/XXXX and resolved in XX/XX/XXXX. The problem is I was never contacted by phone, mail, email, or otherwise regarding this " collection. '' They explained that this was for a property/timeshare owned by my father, and they had sole communication with him, and ultimately settled the debt with him. I am very careful about my credit, and I fail to understand how I am severally liable, especially when I was NEVER contacted by the debt collector, OR the entity which was trying to collect on the debt??? 
I now have a negative flag on my credit, and they refuse to remove it despite their acknowledged lack of communication with me and ultimate settlement of debt my my father? 
Again, the only reason I even learned of this was because I just checked my credit. Please tell me how I can get this off my credit report, thank you most kindly,
On XX/XX/2018 I reached out to Experian, Triple Alert to cancel a credit monitoring service. It was next to impossible to find the number to call - they make it extremely difficult to cancel. I finally received an email with a customer care number ( see below ) : Customer Care Contact Information Phone : XXXX Hours : Monday-Friday from 6 a.m. to 6 p.m., Saturday-Sunday 8 a.m. to 5 p.m. Pacific Time Email : XXXX Your Membership Number is : xxxxxxx After being on hold for 30 minutes, I was told I need to call another number and proceeded to hold another 5 minutes. After calling the new number XXXX XXXX XXXX, I was told they could not find my account. This is a shady business practice, designed to collect {$4.00} per month from consumers indefinitely. The third number XXXX XXXX XXXX put me on hold for 9 minutes. The representative redirected me back to the XXXX number. This is a scam and very poor business practice. I am disputing the charge with the my credit card company. 

I never did get resolution. The customer service rep told me to dispute the charge. However, this is a recurring charge so not sure how I'm supposed to dispute it EVERY month.
in XXXX 2015, jcpenny used my credit without my consent, this is not the first time I have filed a previous report. Jcpenny only address the partial concern. Instead of the company taken only both inquires off, they only took XXXX inquiry off that still show up on my credit report and that is the inquiry on XXXX XXXX, 2015, from Transunion credit report. I asked the company twice to take the inquires off, and I states to them that it was XXXX of them, it has been pass the 60 days, and I am no longer waiting on another 60 days for the company to take the second inquiry off. I have every right to file another complaint.The company should have taken this very seriously when I file a compliant.
My home went into foreclosure in XXXX of 2009 and both the mortgage holder and the XXXX ( XXXX ) signed off on the agreement. XXXX used XXXX XXXX XXXX as their servicing agent. A copy of the agreement is attached. I have made many attempts, but Equifax refuses to remove the XXXX debt listing from my credit report, thereby preventing me from obtaining a favorable interest rate on a home loan I am trying to obtain.
I tried to request a credit report from all XXXX bureaus through Experian. Their site is very misleading, and they force you to call in and cancel a membership, which you never really asked for, within 7 days. All I wanted was a report from all XXXX bureaus, not a service with Experian. I paid {$39.00} for that, and now they 're trying to force me to pay another {$21.00} for a service I never knowingly asked for. Just another way the U.S. government is allowing credit bureaus ( and corporations in general ) to act indecently and mistreat the public.
Leased a 2015 XXXX XXXX from XXXX, XXXX NY on XXXX XXXX 2015. We live in Vermont so Lexus dealt with all the paperwork XXXX Vermont DMV. As of today, XXXX XXXX, we do not have our license plates and Lexus have told us that they sent in the paperwork to Vermont DMV on XXXX XXXX ( why this took a month from XXXX XXXX when we leased the car is a mystery no-one seems able to unravel ). Vermont DMV hane not recorsd of wither any paperwork nor the VIN # of our Lexus.
I got a credit card exclusively because of their double air miles for every dollar spent. I tried to book a flight from XXXX Ca. to XXXX Mo. This is a round trip of about XXXX miles. I have over XXXX air miles. So when I attempted to book the flight it said it would require XXXX air miles. I chatted in to the Capital One support and was told I had to take the cost of the flight and multiply it by XXXX! Cost of the flight was about {$510.00} x XXXX = XXXX miles. 
So they are charging me XXXX miles for a XXXX mile trip. THIS IS AN OUTRIGHT FRAUD! They need to do what they said in their promotion for this card! So Capital One is diminishing my air miles XXXX fold!
" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
On XXXX XXXX, I checked my credit report and the following inquiries were deleted. I logged in today and there are back and my score when down. 
XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Rent XXXX XXXX
I have closed my credit card with XXXX XXXX and have arranged agreement for monthly installments paying monthly {$21.00} to pay off my balance. Couple of weeks ago I have checked my credit history with XXXX where I noticed that for the past seven months they have been accepting my {$21.00} and simultaneously reporting me to the bureaus for Failed to Pay that appears each month in the report, ( which makes me lose two points of my total score each month ). I have made a dispute and sent a letter to the Cardmember Service in XXXX XXXX. MO and have received a letter yesterday with a vague and general answer saying : " We have conducted an investigation of the dispute and reviewed all the relevant information you provided. Based on our investigation, we have determined the account information submitted by Cardmember Service to the consumer reporting agencies is accurate ... '' I called the number provided by them spoke with an representative who said that they right to be reporting me unless I pay them full amount today. When I said I have an agreement for installment payments with them and they have no right of reporting Failed to Pay if I do pay monthly, he said I wo n't be telling him what is right and what is wrong.
I previously contacted XXXX, Cascade Capital LLC & XXXX disputing the error on my credit file that was posted without my consent. I strongly believe that the companies associated with this account have committed a major crime and should be rep-remanded for it and I am not happy about it. I have been tremendously affected by the credit breach each of the companies listed above is in dealing with placing errors on my credit report without my consent and no one of these companies contacted me. Please show me any phone calls you have tried to contact me before and after the credit breach. Ive stated facts in my previous dispute letter only to receive a response that my dispute to remove this fradulent error was declined. I dont appreciate unprofessionalism on any levels. I am unaware of the accounts listed below and have never open any accounts to deal with such a company called XXXX & Cascade Capital LLC. I am unaware of the accounts and I demand that it is removed immediately. If this error isnt removed by XX/XX/2017, I will be taken legal actions on this account and any companies involved. I have contacted my lawyer and looking to move forward on this case. I have sent you a previous good will letter for a response but you decline my dispute and now I am forced to take legal actions. 

XXXX Cascade Capital LLC
I WAS CHARGED TWICE FOR AN APPRAISAL THAT WAS ONLY DONE ONCE. MY MORTGAGE COMPANY WAS AWARE FOR THE CHARGES AND I WAS TOLD I'D GET MY MONEY BACK. I HAVE YET TO RECEIVE MY REFUND FOR $XXXX WHICH WAS FOR THE SECOND APPRAISIL CHARGE. NO ONE ANSWERS MY EMAILS OR PHONE CALLS. I HAVE ALL CONVERSATIONS WITH MY MORTGAGE BROKER SAVED IN MY EMAIL WITH HIM ACKNOWLEDGING THE FACT THAT I AM ENTITLED TO A REFUND. GUILD MORTGAGE IS THE COMPANY AND XXXX IS THE BROKER
Bank of America ( BOA ) has incorrect information on my credit report and it is affecting everything. I have tried for 1 year 6 months to correct this problem. I have spoke with at least 15 Bank of America employees and they each tell me they 're going to help but to date nothing. The local branch in XXXX, MA stated to me I was correct and never had a line of credit with them. They have no paperwork. My father, whose name is same, except he is XXXX did have a line of credit. They ( BOA ) stated they would have it come off my credit report. It has been 1 1/2 years later and still no help. I recently tried to get a loan and because of this incorrect and wrong credit reporting by BANK OF AMERICA, I can not get a loan. This is RUINING my credit. They state I had a line of credit with them and I never had a line of credit with them. My father ( who has same name ) did have one with them. I had a loan from Bank of America for my camper and it was paid on time and in full to Bank of America. I have written letters, I have done everything ( BOA ) has asked me to do still no results. It started back in XX/XX/2016 I went to get a personal loan and it came up I had a line of credit with them and defaulted by bankruptcy. Neither of which happened with my me and my credit. This problem on my credit report is ruining my life and they have promised to help and all I get is a big run around are not helping me at all. The local branch said they would help and give them 30-60 days to have it removed, but here we are over a year later and it is still on my report. I am at the point where I will have to hire someone to help me and it will cost me more money to straighten this mess out. BOA has been no help and as of today 's date, it is still on my credit report. Any help is greatly appreciated.
XXXX has been non-compliant with removing the unverified account DISCOVER BANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Upon checking my personal credit report, I noticed several unauthorized inquires had been made. I have disputed these inquires with you directly several times, with the most recent investigation resulting in you returning all these back as valid, less than 24 hours later, which indicates you did not due your diligence to thoroughly investigate my concerns. After having an Extended Fraud Alert on my credit file DURING THE TIME OF THESE INQUIRES which has now been converted to a Credit Freeze due to a recent theft in my personal information, I am requesting all the inaccurate information be deleted immediately. Furthermore, I sent a CERTIFIED LETTER w/RETURN RECEIPT regarding this and still have the inquires on my report. In light of the recent hacking of XXXX ( and the high possibility of my personal information being released ) in addition to the above information, I immediately request you delete ALL the inquires in the past 24 months from my report and BLOCK any future request for my file.
After recently reviewing my credit report, I found that there is a collection reported by XXXX that has a date opened on XXXX 2010 and no date of last activity is listed. The amount is for {$290.00} and the creditor is Lamont Hanley & Associates. This debt is over 4 years old and the date of last activity could very well be 4 years as well. The statue of limitations in the state of California for reporting debt is 4 years. This company is in violation of that statue. Also, since there is no date of last activity, I do not know if I owe this amount or if the debt is verifiable. Also, I do not know if this company is licensed to collect debt in my state ( California ). I am requesting that this debt be removed from my credit report immediately.
I have a collection account with XXXX XXXX XXXX, in the amount of {$630.00}. I called and spoke with a Customer Service Representative with the interest of making a payment for the full amount. I was told that I was unable to due to the account being handled by a law firm called XXXX XXXX XXXX and was given a number of XXXX. I have called the number given to me several times over the past week and am unable to reach anyone, I have also called the below number associated with this law firm with no success : XXXX - closest local office, number is disconnected XXXX - Toll-free number listed on website, also disconnected If XXXX XXXX XXXX is still reporting and updating their collection tradeline monthly on all three of my credit bureau reports ( XXXX, XXXX, XXXX  ) I feel it only appropriate that I am able to pay them directly for this debt as Im unable to reach the law firm handling my account, whom by the way, Ive received absolutely ZERO communications from. XXXX XXXX XXXX have also filed judgement against me without sending me any notifications. The case has been stricken by the court due to the law firm submitting incorrect and outdated documents.
Paypal Credit claims to have offered numerous payment plans/settlement offers to me. I am only aware of one settlement offer of XXXX and a few payment plans which do not include a settlement. These plans are not agreeable as they do not settle a portion of the balance, which is fraud. I attempted to take advantage of the settlement offer of XXXX, however, Paypal collection reps lie, do not cooperate, hang up the phone. One rep lied about a cease and desist order on the account, stated she could not discuss the account with me. At the time, a payment arrangement was offered and attempted to take advantage of it. However, the rep lied stating there is a cease and desist so she did not have to discuss the account and could then go home at XXXX EST. That call was made shortly before closing time, Paypal reps like to do anything they can in order to go home at close time. I can confirm she lied because I did not in fact place any cease and desist on the account, there was not mention of it prior or subsequently, this confirms the rep lied. Another rep breathed into the phone, then hung up after I said hello several times before closing time, around XXXX EST. They also lie stating payment arrangements/plans are all expired at time of call. The last reps I spoke with, XXXX names XXXX, stated he wanted XXXX a month for six months and would accept settlement amount of XXXX. However, I can not afford XXXX a month or XXXX, another amount offered to me. Paypal Credit does not take into consideration some fraud charges to an XXXX for jewelry which run into the thousands. I think XXXX is a reasonable settlement but again, can not afford XXXX or XXXX a month. If I could afford such a high amount then account would not be past due, Paypal and its reps are also asinine among other things previously mentioned. They claim to have offered numerous plans prior, but lie about them saying they are expired and do not offer any settlement. Their mail has been returned as I have moved and will not give them my new address, they have no need for it, considering how uncooperative they are/unprofessional. In closing, please advise them I will accept offer of XXXX but can only afford XXXX month.
To whom it may concern, I tried to get Internet for my family and was told that there is a fraud alert on one of my credit reports. I am not sure which one, but I did n't not make any oh one call placing this on my credit report. Please contact me on how to resolve this issue. I am also in the procks of trying to purchase a new home. Effect would be greatly appreciated. A Transunion credit report investigation is being requested at this time. 

Thank you, XXXX XXXX
I have attended XXXX XXXX XXXX since 2012 sallie Mae used to be the lender of my student loans ever since XXXX took over I have had nothing but issues, anytime I call nobody wants to help, and the representatives I spoke with were extremely rude! I have been going through a financial hardship for over 6 months, they claim I do n't qualify for any programs or they do n't offer them, my husband was out of work and I was out of work and we just had a baby in XXXX, they disregarded everything I had to say and said I needed to pay something, I do n't want to neglect my obligations but I need help getting back on track.
Doctors Business Bureau for {$240.00}. That debt has been paid and I have a letter supporting it. That debt has been in my credit report since last year and it needs to be removed immediately. Its hurting my credit!
Midwest Recovery Systems is reporting a debt balance of {$77.00} for an account I have no knowledge of. I have requested a validation of debt that I have yet to receive.
I have been sending disputes and supporting documentation to Transunion for almo st two ye ars trying to fix incorrect information on my credit. I 'm filing this complaint because Transunion has had plenty of time to address my concerns but they have ignored my disputes and dismissed them as frivolous. Transunion is reporting that my closed  XXXX   XXXX  auto loan from   XXXX   was past due and is now a paid repossession. This could n't be farther from the truth. I never missed a payment on my  XXXX   XXXX  loan and I paid this account in full years ago. Transunion needs to report that my auto loan has been paid in full and closed. It was never delinquent and there was never a repossession. The account number for the account is :  XXXX
School : XXXX UniversityLocation : XXXX, XXXX took out my first loan in XX/XX/XXXX to pay for college when my parents fell on hard times. The loan is with Chase for {$11000.00} and has accumulated over {$8800.00} in interested since the beginning of my loan. I have paid over {$2800.00} on the loan but it continues to increase as payments have little impact on the principal of the loan. I began contacting Chase in XX/XX/XXXX regarding issues with payment application and was told multiple times that payments are only applied to interest. By end of XX/XX/XXXX, I had paid interest down to less than {$300.00}. Since then over {$6000.00} has accumulated in less than 4 years. I have since contacted Chase on over XXXX occasions. 
The various changing statements and loan notices have been confusing and difficult to understand often missing information regarding the accumulating interest. XXXX of the major issues is the fluctuation in interest charged each month. I have been told interest incurs about {$5.00} a day and can change each month resulting in variation in monthly interest. Therefore, Chase is unable to give me a calculated amount of interest for each month. I have also been told my interest rate changes quarterly, however documents reflect no changes in my interest rate each quarter. I have requested a breakdown of monthly interest charged to my loan since the begin specifically searching for an explanation in interest growth over the last 3 years. This request has either been denied, ignored or responded with copies of statements for the last 6 months. I have requested an amortized schedule and was immediately denied. I was told this information would be available through my online account, but the online account only supplies access to most recent statements. 
Because Chase no longer provides student loans I was informed I can not refinance my loan with Chase. I am also unable to refinance this loan with my bank due to my student loan being drastically greater than my income. I have offered to settle on XXXX different occasions, however I have not received responses for my request. 
I am struggling to pay my student debt and will eventually be unable to pay this loan at the rate it is increasing. I recently received a notice that my loan will be transfer to XXXX in XXXX.
I tried to dispute this, it just appeared on my credit report, it is n't mine I 've never had suddenlink. They say they 've already disputed it. They 're lying. It just appeared in 2016, I 've never, ever had suddenlink services, I 've never ever disputed this before because it 's never been in my credit reports before, and I can prove it. If they do n't remove it immediately I 'm going to sue them.
Hi, I found out that there is judgement on my name by Midland Funding LLC. I was never served any papers or notified about this lawsuit or the judgement. I found out from my credit report. On doing some research I found out that your organization ( CFPB ) has sued them and their parent company. One of the action on them was to release or vacate all lawsuits that were wrongly filed. Is there a list somewhere I can look up if mine is there and how can I get the records corrected in the court, as this is public and hurting my credit. Can you help pointing me to some source where I can get help on this. Thank you for all your works for protecting consumers like me. We all ( consumers ) appreciate the work your organization does. Great work, Thanks again.
XXXX XXXX received my Direct Consolidation Loan from XXXX approximately XX/XX/2018. I have been making payments to this consolidation loan at XXXX that qualify toward payments under the PSLF. I have phoned several times, but I have not got XXXX XXXX to research the documents received from XXXX  so that I can have the appropriate number of qualifying payments post to my account.