WillisBack/dataset-financial-user-claim huggingface dataset:
I cosigned on a car for my ex for a XXXX XXXX XXXX. He refinanced the loan as we had went our separate ways. On XX/XX/2017 a payment for {$18000.00} was paid. When the new financial institution called they got the payoff on XX/XX/2017 that was good through XX/XX/2017. The check was received by XXXX XXXX on XX/XX/2017. At the time my ex thought the loan had been completely paid off, since he had  asked for a payoff. When the new financial institution wrote the check to XXXX XXXX, they did not figure in the interest for that gap. I received a call on XX/XX/2017 stating the payment was late and would affect my credit score. A payment of {$300.00} is what was left on the account. I was told it was due on XX/XX/2017. I had previously called in to be sure the loan was in good standing before this, and I was  reassured it was. I have NEVER been late on a payment. When speaking with XXXX XXXX I pleaded with them on what I needed to do for this to not impact my credit score. I was told I would need to have the payment made today, as the reports are not sent until month end. I was told if it was taken care of within that week, I would not see a negative impact. I hung up the phone and called my ex and he made the payment that day. After he called, I called back in to confirm payment was showing in process and paid. I was told on the phone that I did not need to worry about it affecting my credit, that a note would be made on the account and it would be taken care of without a negative impact. They completely lied to me. My credit now shows a late payment when I did exactly what was asked of me and within the same day. I did not stretch it out or let it slide. I wrote XXXX XXXX a letter asking for a one time forgiveness and explained the situation, they would not grant it. The reasons why I was unaware about the loan was I had confirmation from him it had been paid off, which is why I did not realize there was a balance. XXXX XXXX stated that the other financial institution would have to write a letter stating their mess up, even though they know exactly what happened even though the loan was always timely and only with them for a year. I do not even know who the new financial institution is, as I am not on the loan. I would just really appreciate a one time courtesy from them as I was the cosigner and I would've taken care of it sooner had I been made aware. I feel that they waited to be able to penalize me and intentionally drop my credit score. For someone who always pays on time this extremely frustrating.
For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse. 

I NEVER had an account with this company.
On XX/XX/2018 I deposited my inheritance check at JP Morgan Chase branch in XXXX XXXX FL. Chase collected the funds from XXXX XXXX XXXX PR on the XXXX of XXXX. On the XXXX I stopped by the bank to check status. They informed me my account was restricted due fraud. I have a receipt for the deposit which indicates funds would be available on XX/XX/2018. So far on XX/XX/XXXX, they have not released my funds. The bank in PR corroborated they paid Chase. On XX/XX/XXXX my attorney sent them all the legal papers from my father 's estate. They totally ignored my attorney and me. Last Thursday someone called to say they reopened my case. I did not think a case could be closed without resolution. Still she would not tell me when will my funds be released. For 2 and a half month they have held my funds illegally. No explanation only lies. They refuse to call the bank in PR. They collected those funds in cash on the XXXX XXXX. They did not need to ask for any documents and yet we provided them a month ago. I have been ignored and think they are profiling. I desperately need help. 

Will appreciate any help you can provide.
I applied for the U.S. Bank FlexPerks Travel Rewards Visa Card during their XXXX Visa XXXX Bonus FlexPoints promotional offer, which was for a bonus XXXX " FlexPoints ''. The only requirements to meet this bonus were to open the account before XX/XX/XXXX and make one purchase by XX/XX/2016. After allowing the 6-8 weeks stated in the terms and conditions for the bonus points to be credited and still not having received them, I followed up with U.S. Bank on the status of my bonus points. They stated that they needed more documentation from me requesting verification of the promotion in question. On XX/XX/XXXX, I faxed in all of their requested documentation, as well as my backup documents showing I had met the requirements outlined in the terms and conditions of the offer to receive the bonus. After following up again about the status of my bonus points on XX/XX/XXXX by phone, a supervisor named XXXX stated that U.S. Bank would not be able to credit me the XXXX " FlexPoints '' because I had used the wrong application link when applying for the card. This is simply factually not true, as I had even gone the length of capturing the webpage I had used to apply, proving it. This screen capture was also included in the documentation I had faxed on XX/XX/XXXX. I have attached all of our written correspondence, including the documentation I had faxed, which clearly shows I : 1. Applied using the correct link ; 2. Satisfied all requirements to receive the bonus points ; 3. Gave sufficient opportunity to resolve the issue timely and amicably.
This dispute is being written in response to in-accurate crediting reporting on behalf of XXXX, Account XXXX I have been trying in vain to get this company to confirm that this is indeed a valid debt by way of sending me documentation indicating paper work I signed agreeing to open this account, statements and any other documents verifying the validity of this account. I have reached out to this company by letter, phone calls and fax continually over the course of the last year. When disputing the information through " XXXX '' " Equifax '' and " XXXX '' XXXX Is indicating that the reporting is accurate however please note the credit report I have attached which states otherwise. " XXXX '' is indicating this is a closed account however " XXXX '' and " Equifax '' are indicating the account is a charge off which is affecting my credit rating. I would like Equifax to change the reporting status of the account from " charge off '' to a " closed '' status which a representative from XXXX indicated would be done during a phone call on XXXX/XXXX/2015.
I was informed by several people that operate businesses in the same category as mine that Frost Bank would be a good choice for my banking needs, since they had accounts currently operating with this financial establishment. I reached out to my local branch around XX/XX/XXXX, and later had a meeting with the Senior VP of Business Banking XXXX XXXX. I explained my business needs, why I had decided to sever my relationship with XXXX XXXX XXXX, ( keep in Mind I have amazing Credit, zero delinquencies, along with an excellent banking record ). I provided Frost with any requested account information, financials, and a list of all current customers. Upon review of my customer information, Frost decided that they did not feel comfortable opening an account for me based on the fact that my customers were not all in Texas. I don't know who can really operate an only local business and survive in todays economic conditions. The problem I have here is that I know other businesses, exactly the same as mine with Frost accounts and good standing relationship. These business owners also have accounts across the country as I do. Frost is blatently discriminating against my business because it requires me to use my own cash that I must withdrawal from their branches, and they do not want to deal with providing that service to a customer. Very disappointed with a local bank built on the backs of small business owners like myself, not willing to work with me or my business.
Wells Fargo denied my claim to dispute a charge of {$15000.00} to a company named XXXX. The reason for their denial was that the company furnished a contract and claimed they rendered service. This company is a scam, selling online business and a coaching program. They flat out lied to me about everything. They sold me an online business that they said would be profitable making $ XXXX in months and $ XXXX a year $ XXXX in 3 years. Not only did I not make a penny, they never provided anything more than a 5 minute phone call every week and a non-functional website. They are getting away with scamming unsuspecting consumers and my bank is helping them. Is it Wells Fargo 's right to take the companies word over their customers? To decipher a contract and decide what was and was not done. When you research this company there are dozens of complaints similar to mine. Furthermore they sold my name to about a dozen other cons.
I worked in the XXXX for XXXX years during the XXXX. I was entitled to a Social Security ( Pension payment ) which is paid into my Bank of America XXXX Checking account.. 
I am now living in the XXXX XXXX XXXX years old and have experienced major XXXX XXXX recently.Because of my XXXX situation I need to transfer money money to the XXXX. 
A simple wire transfer XXXX would assume, not so, I can not transfer more than {$1000.00} without purchasing " XXXX '' but to do that I need a XXXX mobile phone number which of course I do not have. 
I have spent literally hours on the Telephone trying to resolve the situation all to no avail, the only avenue open to me is to write myself a check which I am told will take XXXX weeks at least and with Bank of America response to date I do not have a great deal of confidence
XXXX   refused to honor my request to delete the fraudulent information after I supplied all of the documents that they required.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX       XXXX   XXXX    XXXX  PLEASE DELETE    XXXX   XXXX    XXXX  PLEASE DELETE    XXXX   XXXX   XXXX    XXXX  PLEASE DELETE    XXXX   XXXX    XXXX -PLEASE DELETE   XXXX   XXXX    XXXX  DELETE  XXXX   XXXX   XXXX PLEASE DELETE  XXXX   XXXX  &  XXXX PLEASE DELETE   XXXX   XXXX     XXXX PLEASE DELETE   XXXX   XXXX   XXXX    XXXX  DELETE  XXXX    XXXX    XXXX -PLEASE DELETE   XXXX   XXXX  PLEASE DELETE  XXXX   XXXX  DELETE  XXXX   XXXX  PLEASE DELETE EQUIFAX  XXXX    XXXX   XXXX     XXXX  PLEASE DELETE   XXXX   XXXX    XXXX -PLEASE DELETE   XXXX   XXXX     XXXX  PLEASE DELETE
What. I bought a Ford focus thru santander in XXXX XX/XX/XXXXthru my car dealer. Then the car was in accident XXXX XX/XX/XXXX and was totalled. The insurance PAID the car off in full. The car dealer returned my service contract money to them also. So they received over XXXX. They accepted the payoff. I have all copies of the insurance paperwork. Well now santander had turned it over to not XXXX but XXXX collection agencies. Nib management. And also Denville management. Ncb management is saying XXXX is owe and deville management says XXXX. That 's crazy it was paid off XXXX XXXX. Every thing is paid off but yet these companies. Santander and there XXXX collections agencies are down ng illegal practices. Please remove for all XXXX credit bureaus. Thank you
Mohela Department of education Opened XX/XX/15 Amounts. {$2300.00} Sent letter explaining that I never took this loan, someone has my identity information. 

XX/XX/15 Amounts. {$1200.00} XX/XX/2015 Amounts. {$2500.00} XX/XX/2015 Amounts. {$3800.00} Sent letters and made phone calls explaining. I never took out a student loan. This is affecting my credit and my score. Please find the person that is doing this. I am still getting bills and collection from Mohela.
I was a victim of Identity Theft in   XXXX  . The address and phone number listed below is not nor has ever been my address  XXXX   XXXX   XXXX   XXXX ,  XXXX , Alabama  XXXX   XXXX . This address is referenced on the report from  XXXX . Please advise.
After eleven years in business, my partner and I were forced to close our company on XXXX/XXXX/16 due to insurmountable financial difficulties as a result of the economic downturn over the past several years. Since the company was an XXXX, I was responsible for all credit cards where my name appeared on the card along with the company name. 
Both my partner and I each had several credit cards to deal with. Since the company had no assets whatsoever, I contacted each of the credit card companies and all were resolved except XXXX, Capital One which I first contacted on XXXX/XXXX/16 in an attempt to secure Debt Forgiveness in the form of a settlement so that I could begin to move on and deal with additional company issues. I was told on that date that XXXX XXXX could not offer a settlement " at this time '' because the account was not overdue long enough. I then called back on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Over the course of these calls, I spoke to approximately XXXX different reps / supervisors and more than once I spoke to the same person twice. I was told on XXXX that in order for my request to be considered I should write a letter and fax or mail it to the General Correspondence Department at Cap 1 explaining my circumstances which I did and I faxed it to that department on XXXX. Two days later I received a letter from Cap 1 saying that they were " unable to fulfill my request through written correspondence '' and that I should contact them at the XXXX # listed below. When I called, the merry go round started all over again. I have spent approximately XXXX15 hours in total on the telephone with various reps and account supervisors with no resolution in sight. 
Not one of these reps / supervisors ( I was told ) was authorized to negotiate a settlement nor could they transfer me to anyone who could nor could they give me a reason as to why my request could not be resolved except to say a settlement was not on offer " at this time ''. In essence, they have been stalling while my interest rate has increased by 13 % causing the total of my bill to increase significantly as well. Maybe this is their strategy. 
Despite the fact that I am retired, collecting Social Security ( not even the maximum ) and without a pension, Cap 1 refuses to negotiate with me in good faith. This is in complete contrast to what they claim on their website regarding Debt Settlement. It appears that Cap 1 is misrepresenting their policies and is engaging in unfair business practices. 
Insofar as all our other creditors have met us half way, I never expected my dealings with Capital One to be so difficult and stressful. The manner in which they do business with their customers who fall on hard times is appalling and abusive. All of their reps seem to be reading from a script / talking points, unable to offer any help whatsoever. They all say the same thing, " no offer is available at this time ''. 
So, " at this time '', I am exactly where I was when I started except that I am now further in debt to Capital One.
The BANK OF AMEIRICA is collecting a loan ( s ) from my XXXX money ( checks ) and XXXX Insurance money ( checks ) that I never applied for.
False information submitted on my credit profile from XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX nor a Credit Card with XXXX XXXX XXXX please remove False Information my Credit Profile
GLA Collection agency has established XXXX consumer accounts, XXXX being reported to credit bureaus. This is in violation of the FDCPA and the FCRA statutes. 

Section 808 of the statute describes what would be considered unfair practices employed in the course of attempting to collect a purported debt. It begins by saying that the limitations described in the following section do not limit the object of the statute, that means that even though the debt collector might not haveviolated the literal language of a particular provision, if it can be shown that the particular collection practice was unfair or unconscionable, then it will be considered a violation of the Act. 

It further states that the debt collector can not collect any amount of money that is not permitted by law or by the agreement. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained. 

The purported contract or agreement falls within a class of contracts or agreements required to be in writing. The purported contract or agreement alleged in the collection action is not in writing and signed by defendant or by some other person authorized by defendant and who was to answer for the debt, default, or miscarriage of another person. 

Since there is no consumer relationship between the collection agency and myself, the collection activity as well as the reporting of an actual account or accounts on behalf of the collection agency are unconscionable and illegal.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX
the date is wrong when the collection was put on my credit report 1.It was in 2009 when it was in collections2.the amount is different from when first put in collections
I have a debt with LVNV but XXXX has taken over this debt. This lady keeps emailing me constantly. She has even went so far as to tell me that she knows I am opening the emails. She is harassing me at this point. This lady has emailed me 17 times since XX/XX/18. This is not okay. Please help me. Her name is XXXX XXXX
I have written in to all three major credit bureaus since new public law and child support reporting law was passed back in XX/XX/2017 to have child support removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX # : XXXX ; Medical bill # : XXXX, XXXX  # : XXXX these accounts have not been verified or invalidly reporting due to inaccurate information and not belonging to me.
On   XX/XX/XXXX ,  I contacted the  XXXX  credit reporting agencies,  XXXX , Transunion, and  XXXX  to ask to remove only the dispute for  XXXX  acct per my lender request.   XXXX   is the only agency that removed all my disputes that was not what we requested, all other disputes were removed without my permission by  XXXX . The call confirmation number is #  XXXX . I had been working with   XXXX   XXXX   XXXX   on my credit for over a year and a half. Also, most of the disputes were started last year and the accounts that did not return a response should have been deleted off my credit report.
Once   XXXX   did INCORRECTLY removed those disputes the accounts were so call sold to collections companies that are now on my file. These accounts should have been deleted because they did not response in time to my disputes. Now I would have to start my filing of these disputes all over again which is not fair to me as a consumer since I DID FOLLOW PROCEDURE ALREADY.
While making a return at XXXX, I was declined saying that I had " check ( s ) on file. '' I had to call XXXX XXXX XXXX at XXXX. I tried calling the number, but it was automated & could not get a person. It referred me to a website because I did not have a decline number. I could not get a decline number on the website and it was of no help. I XXXX the company and it is come sort of scam! People have had this problem with XXXX, XXXX XXXX, and XXXX ( who writes a check to XXXX? ). The people have gotten the run-around, additional charges added, etc. Unfortunately, I entered my routing number, account number, and driver 's license number on the website, though this scam was attached to my driver 's license number when entered at XXXX. I have called my bank and they have no record of me writing a check, but put a note on my account about this company. I have submitted reports to the XXXX XXXX XXXX and to the State Attorney General. I have faxed XXXX XXXX and asked for someone to contact me. Nothing yet. Says it could take 30 days for them to respond!
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY MINE! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP PHONING ME IMMEDIATELY!
I have filed for   XXXX   and am suppose to send information in each year. I mailed information and have faxed information several time On  XX/XX/XXXX  I received an email stating I need to make a payment.
I was told on  XX/XX/XXXX  that Nelnet had received all my income verification When I calledn today XX/XX/XXXX  they stated that they had received the information. I mailed them a copy on the XX/XX/XXXX and faxed the information as well.
What did they do with my information.Please help I made {$5300.00} working for   XXXX   XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX    XXXX     XXXX   That was my income for  XX/XX/XXXX  to XX/XX/XXXX . I am mailing them the copies again and addressing them to  XXXX  of whom i spoke with today at  XXXX
XXXX XXXX XXXX has placed a derogatory collection on my Credit Report, which is affecting my credit. I do not have said Debt of {$2800.00} with this company. The agency has not been able to VALIDATE the debt with the proof of the original contract with original signature, payment history etc. ). A bill is not proof of debt.
XXXX XXXX still has my account as showing openon all 3 Credit Bureaus. When I paid a settlement agreement of {$500.00} to have this account closed. I signed the paperwork they sent me and said it would update in 30 days, it is past 30 days.
advance fee loan. i have to file against XXXX different companies. never recieved any funding.spent XXXX of thousands of dollars. i will submit all info seperatly because there is to much.
On XX/XX/2017 debt collector tried to run my credit card for more than they were authorized to run it for. This is a debt for my husband that they called me looking for payment. I authorized them to collect {$240.00} on Monday, XX/XX/XXXX. The payment was not run until Tuesday, XX/XX/XXXX at which point an interest payment from the credit card company was run. When XXXX called me to let me know the payment did n't go through I told her to run it again Friday. She told me that " they '' only gave her until Thursday to collect and wanted me to pay something that day. I told her I would be able to pay Friday. This morning, Friday, I woke to find that at XXXX she tried to run the card for {$270.00}. Not a huge amount but if they are doing this to other people it adds up. She also told me there was no way to pay other than making a payment over the phone. I just went on their website and made a payment using their online system.