WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter onXX/XX/XXXX regarding a debt owed to Il XXXX XXXX XXXX XXXX in the amount of {$480.00} from XXXX XXXX XXXX XXXX my ID # with them XXXX.
I contacted them immediately and explained to them I was paying the debt monthly sinceXX/XX/XXXX via check and I had proof. THey said yes, but that payment is not enough monthly. I said well what do I need to do to get this up to date and ensure this does not go on my credit? I have worked very hard the past 6 years since being diagnosed with a XXXX XXXX to clean up my credit so we can refinance the house.
THe agent stated I would need to pay 30 % which was {$150.00} online by the end of XX/XX/XXXXand XXXX every month thereafter to ensure this was current and would not at all be reflected on my credit. So, I complied. THen I made a XXXX payment online XX/XX/XXXX and XX/XX/XXXX.
On XX/XX/XXXX I received a credit notification from XXXX XXXX my credit monitoring site stating there was a significant negative impact to my credit. Balance increase and derogatory mark. THis was from harvard collections listing a balance owed of {$8700.00}. THat is was past due, and not being paid on or addressed at all. THis is totally false balance, reporting of not addressing the issue, and of not addressing my situation or balance.
Never at all did I receive notification in writing nor via internet or voice communication on this {$8700.00} balance. I would never had ignored this. I have been ill since late XX/XX/XXXX, not able to work and on XXXX since XX/XX/XXXX. I need a XXXX XXXX.
Also, when I inquired to the state of Ill. and Harvard collections on what my balance owed was, and if that was the total they both replied yes to the {$480.00} stated in the letter.
I only used the funds the state allocated to me due to my illness and lack of income. I almost XXXX XXXX XXXX in one year, had a XXXX XXXX from my XXXX and went into XXXX XXXX. Still, I attempted to keep currant with my affairs and address issues including necessary medical appointments and medicine to stay alive.
Now, by one hit and one derogatory false mark my credit report has dropped 36 points in one day. THis will significantly impact my ability to refinance now when the second mortgage is coming due.
Please, please. I am seeking help to get this expunged from my credit and have the ability to resolve this issue.
THank you.
XXXX XXXX
I have been denied 2 loans last week because TransUnion does not have a credit file on me. I called TU last week and they sent me a report in which I found they have wrong information about my name, only one creditor reporting ( when i have plenty of Credit Cards, Auto Loans and 2 mortgages ).

After reviewing my report I called TU again and XXXX ( the person that took my call ) told me that I have to call every single of my creditors and ask them to report to TU!. Well that would certainly will take weeks of my time. The funny thing is that XXXX and XXXX  have the correct information on my file ... and it is hard to believe that all my creditors are conspiring against TU and they don't send the info to them ....
I applied for student loan forgiveness on the form sent to me for such purpose by Sallie Mae. 
I sent the completed application to the proper address per the instructions given by Sallie Mae for XXXX unemployable veterans because of a XXXX service connected XXXX. Sallie Mae 's instructions for XXXX veterans that came with the form state that no physician 's statement is necessary to be completed in the case of service connected XXXX veterans. However, the only part of the application that I did not send to Sallie Mae via certified mail was a physician 's statement. I completed every line of the application other than the physician 's statement. Sallie Mae wrote back in response to my application that it could not review my application at this time because my application was incomplete. My first payment is due in four days which is not enough time to resubmit another application no different than the one I have already submitted. Please help me.
I feel I was advised by an Ally Financial employee named XXXX around XXXX XXXX, 2015 tht that I could turn my lease in 4 months early and be done with the lease free and clear. 
I called Ally and spoke to XXXX after I had received a letter from Ally asking me essentially how would I like to end the lease. When I spoke to XXXX I reiterated with her several times " are you sure all I have to do is turn the lease in early? '' and she reaffirmed that was the case several times or at least that was my perception. I have contacted Ally several times and spoke to many people to just listen to the tape of the conversation that they have around XXXX XXXX 2015 but to no avail. I keep getting a complete runaround from dept. to dept. with promises to look into the matter and call back only to find no response. My feeling is I was duped and defrauded into believing I could turn the lease in early with no further obligation and I am sure I 'm not the first one this has happened to.
I just found out today that a medical bill I owed was placed with a debt collection agency. I was not notified by the agency that they have my debt and given the opportunity to dispute it with them. I tried multiple times to dispute the debt with the original medical provider. I am being charged for care I received from the physician while he was under the influence of XXXX and XXXX. He was arrested, his practice shut down, tried and admitted to it to the DEA and pharmacy board. I do not feel I should have to pay for services from this physician. He shut his office down without notification to his patients. Refused to honor my requests for medical records that I faxed to the office that was still accepting them. I was unable to find a new physician to accept me without his records or a referral and it took a year to find one that eventually did uncover my XXXX.
On four separate occasions I have sent the ask for documents to all three credit reporting agencies in hopes of removing an Extended Fraud Alert I placed on my credit accounts in a mistaken effort to restrict access to my credit. Somehow this alert is for ten years and turns out was n't needed now I virtually have no credit at all and am denied credit everywhere even with an XXXX credit score, this prevents me from obtaining certain services in my XXXX XXXX fight. In the end my concern with my credit may actually kill me.
I have a private student loan with XXXX XXXX some time ago they sold the loan to Navient. There have been making auto payments out of check since 2010. I have also been making payment to Navient Both parties are claiming they own the loan and will not t tell me who owns the loan. Navient is most rude and hang up when you are communicating and tell me to contact XXXX XXXX. XXXX XXXX tells me to contact Navient.
Today ( XXXX XX/XX/XXXX ) I attempted to freeze my credit report access at XXXX, Transunion and XXXX. The XXXX attempt went without a problem, but I was thwarted in my attempts at XXXX and Transunion. After filling out the credit freeze request form at Transunion, I was received the following response : <p> " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. 
We are sorry, but we are unable to fulfill your request at this time. 
What to do now : If the problem persists, please contact our Website Access Support team at XXXX, available Monday through Thursday : 8:00 a.m. to Midnight, and Friday through Sunday : 8:00 a.m. to 8:00 p.m. Eastern Standard Time. '' <p> In the case of XXXX, it was clear to me that they were intent on making it as difficult as possible to obtain a free freeze. Their request form did not allow autofill, an easily implemented customer courtesy, and after having manually filled out the form and answered ID verification questions, I received a notification that for an unspecified reason they could not fulfill my request, and that I should send the request via USPS mail and include a long list of specific pieces of information, which I had just supplied in their online form. 

I believe if one of your agents attempts to use the free freeze request at the two services referred to above, they can confirm my experiences. Nevertheless, I will double check both of those services tomorrow, and if their response has been more compliant in fulfilling the requirements of the free freeze legislation 's intent, I will so inform you via this complaint submission option. 

Sincerely yours, XXXX. XXXX XXXX, VA
I keep receiving calls from a debt collector saying i took out a payday loan and that i need to pay the debt back. I have taken out a pay day loan before but i contacted that company directly and they has no issues with my account and they told me that the calls i 've been receiving are scammers trying to get money from me. The supposed debt collector will not provide me with any information on the debt they are trying to collect. As soon as i start to ask questions they hang up on me or threaten me with a law suit.
Previously filed a complaint - [ Case number : XXXX ] Debt collector contacted me several times, via email and phone ( leaving messages at work and cell ). 
This is a violation of the Stop contacting me request I sent via Certified mail. Additionally, they have not complied with providing the debt validation within the 15 day period after receiving the letter.
XXXX XXXX was never disputed but has a remark about a dispute. XXXX XXXX is not aware of a dispute. XXXX was never disputed and the account has a remark. XXXX is not aware of a dispute. There are inquiries on my credit file that were placed in error. There should not be any inquiries for XXXX, XXXX XXXX ( XXXX ), XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, or XXXX. The inquiries were not authorized. Furthermore, I requested my XXXX credit account to be updated to reflect credit limit of {$2500.00} back in XXXX and it is still showing credit limit of {$650.00}. XXXX account has a balance as well.
I called Equifax to add my phone number to my personal credit file, faxed a request also and I was told it had been taken care of and as of today it is still not listed. I believe this is not a hard task
Dear Sir/Madam : I wrote the following letter to Chase through their online submission system about a week ago and did not hear back from Chase at all. 
" I opened a XXXX card with XXXX bonus offer and after receiving the card within a week or so I received a better offer - spending {$3000.00} within the first three months and get XXXX bonus miles. I contacted Chase immediately to see if Chase could honor this offer and I was guaranteed to received the additional XXXX bonus miles after spending {$3000.00}. I called on XXXX XXXX, and the first customer representative refused to do so giving the reason that the XXXX offer charges a {$95.00} annual fee at the beginning and Chase can not make that charge anymore. Due to that technical difficult, Chase can not honor the additional XXXX miles. I argued with him to see if there anything else he could do for me since I was guaranteed by Chase to receive the additional XXXX miles. He brought his manager in line and discuss this issue. However, according to the manager, the reason Chase can not honor this offer is because XXXX XXXX will not honor this offer since it is a promotion offered by XXXX. And she said she would like to give that XXXX miles to me if it is decided by Chase. I asked her is there any other alternatives Chase can do for misleading me, such as waive the next annual fee, and she said a straight " NO ''. I contacted XXXX XXXX immediately ( original email from me and response from XXXX XXXX in the following ) and the reply I got is Chase is responsible for the additional XXXX miles. I called Chase on XXXX XXXX again and the customer representative just told me she was told to tell customer " NO '' for this situation, meaning Chase does not honor this offer. I am very frustrated and disappointed by all of the different and contradictory answers received from Chase. Initially I was promised by Chase to get these additional XXXX miles and later I was refused by different reasons from different people at Chase. Nothing is consistent with Chase. And most of the service regarding this situation I received was rude, the customer service is not paying attention to what 's going on with me and only offers " NO '' to me. I have been a loyal and good customer with Chase for years and I feel like I am fooled by Chase completely! '' I could have used other credit cards to make my purchase instead of spending more than {$4000.00} on this Chase credit card in two months. 
Thank you for looking into this and I really wish Chase could be responsible for the mistake they have made. 
-- -- -- -- -- -- -- -- -- -- -- -- Original Reply from XXXX -- -- -- -- -- -- -- -- -- -- -- -- Dear XXXX, Thank you for writing and we apologize for any inconvenience. 
The bonus miles that you 'll receive is based on the offer you have signed up for. In case you receive a better offer, it will be the discretion on Chase to honor that offer. In line with this, please call Chase for further assistance. Please use the phone number at the back of your credit card XXXX. 
We appreciate you taking the time to contact us. 
Regards, XXXX Service Center
For the past 2 weeks I have been unable to use my Citibank Double rewards credit card. They only have 1 verification method and sadly other creditors have 3 or more ways achieveing verification. I have spoken 2 3 XXXX customer service reps including their fraud department. They have taken my account and blocked access for a 2week or longer investigation.

The dumb part is i can access the account via my mobile phone and citi app. However theres nothing that their customer service or fraud department " claims to be doing ''. It is gwtting to a point that im going to cut the card in half and need a credit card with american speaking customer reps that can tell a difference between fraud and a person purchasing breakfast and the prior charges in the account are from the same retailer..Ive been kind but if this doesnt resolve soon. I will rescind further payments and see if i can sue for the account mistakes. I was repeatedly asked by citibank reps if i had a checkings account with them and i dont, and never did. I only had a credit card and dont understand citibanks major malfunction ...
I am unable to pay the loan amount at this time, I tried to work out a settlement and they did not accept that. I plan to pay but they call distant cousins, brother in law, my employer and ask for my Supervisor, called my mother and my sister and my ex wife stating they have filed a lawsuit against me. they are harassing me when I am already willing to make arrangements.
I set up my mortgage payments for auto pay on XX/XX/2018 Before I went out of town to visit my mother whom lives out of the country. On XX/XX/XXXX, on XX/XX/XXXX and again on XX/XX/XXXX to login to my online account to verify that my payments had posted but was unable to. I kept getting the message, " 500 Internal Server Error ''. I returned on XX/XX/XXXX to spend XXXX with my husband. I checked my accounts and realized that my XX/XX/XXXX and XX/XX/XXXX Mortgage Payments had not been drafted. I called United Wholesale Mortgage ( UWM ) immediately I left messages for two days prior to getting someone on the line. I finally was able to get through and brought my account current. The late payment now shows up on my credit report and my score dropped 120 points. I have been building up my credit to buy a vehicle so that I don't have to walk in the cold with my children. Now I can't qualify for the loan due to the drop in my score. I called UWM and they advised me that I needed to file a complaint. They agreed with me that it was a mistake but advised me that I needed to file a complaint in order to have it removed. My credit score was impeccable prior to this erroneous late payment reported on my credit. Please Help. I am distressed. Thank you.
Experian is not supporting its credit freeze online application or its fraud alert service. I have tried for 2 days to access both. When I invoke the links from its website, the link takes me to blan k pages that say the application processes are " loading '' after 5 minutes at each page using 2 browsers : XXXX and XXXX, nothing happens. I 'm hoping you can do something quickly, since the data breach at XXXX has called into question the security of all my private information.
This company refuses to provide verification and validation of debt. i have never had a XXXX memebership
XXXX XXXX  listed a debt collection on my report for an amount of {$3200.00} for a wireless phone bill. On XX/XX/XXXX, I wrote them informing them that this is a fraudulent account that I am unaware of reporting on my file. They sent back a itemized bill which is not giving me no information on this account. So I wrote another letter on XX/XX/XXXX requesting a debt validation letter for this bill which they say I owe. It was noted that they received my certified letter on XX/XX/XXXX.They sent back another itemized bill which is NOT validating that debt. They could not produce a validation bearing my signature. So I wrote them again on XX/XX/XXXX informing them Per the Federal laws, its my right to validate any debt from collection agency. I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. So on XX/XX/XXXX I wrote to the 3 credit reporting agencies informing them that this company has not been able to produce to me any documents bearing my signature. And on XX/XX/XXXX the 3 credit bureaus has informed me that this account was verified and updated on my account. With no proof of my signature to prove I owed this debt. I request a full removal of this debt associated with any of the credit reporting agencies ASAP.
This company Liscense was REVOKED/VOIDED in XXXX, ( SEE ATTACHMENT ) which meant they had no right to attempt to collect a debt, call, harass or send a letter to me or anyone else. I have done more investigation and this ALLEGED debt suppose to have come from XXXX WHICH IS NOT MINE AND I HAVE NEVER HEARD ABOUT owing A Medical place/ hospital or doctor for this. They been harassing me EVEN WHILE THEIR LICENSE WAS REVOKED, Yet reporting this to my report in XXXX ONCE THEIR LICENSE WAS REISSUED. The last person to respon made it seem as if XXXX is the first time they reached out to me to try to cover their XXXX, THAT IS A LIE! This company has also been know to lie about willing to remove things then add them back months later. I will continue to investigate, and report this company anyway I can. AS i stated in my first complain I HAVE NEVER RECEIVD ANYTHING FROM A DOCTOR OFFICE, HOSPITAL OR ANYTHING SAYING I OWED THEM {$67.00} they are fraudulently reporting accounts that does not belong to people to collect money. The account does not belong to me. I called commonwealth and they advised me of the alleged company that reported this, I called that company and they informed me that they do not have any accounts past due or current, also even if an account was sent to collections it would still show in their system. WHICH PROVES THAT COMPANY NEVER SENT ME ANYTHING SAYING I OWE THEM! This should not be on my report, and should be removed! Commonwealth Financial DID not HAVE A LICENSE in the state of Florida IN XXXX TO COLLECT. Please look into this company their reviews by thousands of people they are committing fraud against. SEE ATTACHMENT!
I have never done any business with this company, nor have I sought a mortgage with the company. They repeatedly call me on my cell phone and attempt to solicit my business. I have registered my phone on the federal do not call list and asked the company to stop calling me, but that has not helped. The company will call and ask me if I want to apply for a mortgage, when I say no and hang up, the company calls back immediately and tries again.
On Tuesday, XX/XX/2016 I logged into my account to review and went to the Activity & Statements page. The page read the following : Last Statement Balance : {$120.00} Payments and Credits : + {$0.00} Transactions : + {$63.00} Current Balance : {$190.00} If you do the math, that is incorrect. {$120.00} + XXXX = {$180.00} and not the {$190.00} they are saying. Discover is trying to illegally take additional money from me that I have not authorized.
There is 2 accounts that are reporting on my XXXX credit report that is suppose to be deleted. XXXX has finally confirmed these 2 accounts and deleted them off my report however XXXX  keeps just updating the information which is wrong. XXXX XXXX XXXX and XXXX should have been deleted off my XXXX credit report over 2 months ago. Yesterday XXXX/XXXX/2017 I received a letter in the mail of the outcome from the investigation again. It shows the same information that these accounts have been confirmed as mine and updated. This information is wrong which is leading me to believe they are not doing a proper investigation. Like I mentioned earlier XXXX had done there investigation and deleted the 2 accounts. That means the same response from these 2 companies should be the same. I have been disputing this with XXXX for quiet some time now and they refuse to delete these accounts which is causing a hardship and a negative impact on my credit score. I am submitting this complaint about XXXX because they fail to do a proper investiagtion because I myself have contacted both companies and was told the information will be deleted once they receive the dispute.
XX/XX/XXXX : I called XXXX XXXX customer service due to not being able to complete my IBR renewal online following submitting for a name change. The online system had not updated my last name from marriage and their online system reflected that I did not have any student loans to renew. I spoke with customer service about my concern submitting this renewal prior to my due date. The customer service representative told me that I could submit my photo ID to the upload box online and that if my IBR was a little late while the name change was processed that this would not be an issue. I uploaded the required documents on XX/XX/XXXX following my phone call. 

XX/XX/XXXX : Called XXXX XXXX with concern that name change was still not reflected and I could not complete IBR renewal as my account was still not reflecting having any loans in my name. Customer service agent told me that the name change request was never submitted and she then said the best I can do is mail you a paper copy for your IBR renewal. It will take 7-10 business days. I requested it be sent out and reiterated my concern of completing on time. 

XX/XX/XXXX : received copy of IBR renewal. Submitted online on XX/XX/XXXX. 

XX/XX/XXXX : called and spoke with customer service following notification of upcoming payment due on XX/XX/XXXX in the amount of {$700.00}. Customer service representative, XXXX told me that my IBR request was approved but not until XX/XX/XXXX. I relayed concern with previous calls and asked for this to be changed. XXXX reported that she could put in a request to review my account but that a name change isnt a good excuse when the renewal is available online. I asked XXXX to please review the information listed about my previous calls. XXXX told me that the review would take 7-10 business days to review. I responded that this would take me to the due date of my XXXX payment and asked her to expedite the request. XXXX advised me to suspend my payment or apply for forebearence. XXXX stated that she would try to expedite the review.
I have incorrect information in my credit reports as well as information that has been previously deleted and has now been reinserted using slightly different information.