WillisBack/dataset-financial-user-claim huggingface dataset:
While preparing for pre-mobilization to XXXX I was alerted that my student loans were passed due. I contacted Great Lakes on XX/XX/XXXX and informed them that I was leaving for XXXX in a week and that I needed to defer my student loan payments. I was told that I needed to mail a hard copy of my military orders to a XXXX XXXX along with my account number in order to defer my payments and it would be of no issue. I mailed a copy of my orders once I hit XXXX and assumed all was fine. I received no other communications regarding the issue after my original conversation. Upon checking my credit score I noticed my student loans had gone into default and were sent to a collection agency. I tried making contact with Great Lakes and the referred me to XXXX Consumer Services. The latter did not have any information for me and informed me on XX/XX/XXXX that my account had been forwarded to XXXX XXXX XXXX, XXXX. I have not been able to get any information on how to remedy my student loans being defaulted while I am receiving hostile fire pay since I am XXXX in XXXX and I know that I am protected under USSERA to avoid these things.
XXXX XXXX XXXX Reported an account in tantamount of XXXX all.three credit bureaus. I have no knowledge of this account and I asked company to please accurately validate the debt since I am.disputing the debt. The company never honored my dispute request. this company just reported these accounts without validation or giving me the opportunity to dispute The information listed on on the credit bureaus are wrong. XXXX have a open fate of XXXX XXXX and an amount owed of XXXX, which I do not have any account in that amount that I owe.
Ive made a basic dispute by calling Chases 800 number. A few days later I received a letter to be filled out and sent back. They offer three options to return it and I selected to fax it back to them. A few weeks later I received another letter, stating that They have not received my response. I faxed it over again, but decided to check and found a confirmation that fax was delivered. I called disputes department again and was told not only that there is no fax to be found, but that the charge was validated already. I asked how was it possible for them not to receive it, and was told that I have not faxed it over. Moreover, to reopen a dispute I have to fax them a letter asking them to do so.

I asked to speak to a supervisor, and got basically the same information repeated back to me. When I asked if they received the second fax I sent in, I was told that it make up to 30 days for it to hit the desk. Immediate follow up from me was, if it does take that long, is it possible that my original fax didnt hit the desk yet, and why would the dispute be closed if it takes them that long to process faxes. I herd back a robotic response that nothing can be done now and I have to fax a letter to reopen the case. I asked for a phone number to the executive office and was offered a mailing address instead, as I wanted clarification, supervisor XXXX XXXX cordially informed me that JP Morgan Chase executive office does not have a phone number ( I guess company is saving money buy not having to buy phones for that office building ).

I said that my next step would be getting in touch with CFPB and miraculously he told me that my fax was located. Somehow, it was not attached to a dispute, and the full credit card number on the letter and name of the merchant made it impossible to find it earlier. I asked for a quick resolution, after Chases XXXX up, but instead was told to wait 30 days. 
I have XXXX confidence in Chase, their Credit card division has let me down numerous times in the last 6 month, and I dont want to pay for the useless product that I had to throw out and just waisted my time on.
This company XXXX XXXX XXXX is trying to collect {$500.00} and {$420.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
I have been disputing incorrect information on my XXXX & Trans Union credit report but they are unwilling to allow me to dispute their " investigation results ''. The creditors are XXXX XXXX and XXXX XXXX XXXX. The report reflects late payments and the information is inaccurate. Both creditors have agreed to have the items corrected on all XXXX credit bureaus but only XXXX made the correction.
On XX/XX/2014 I purchased a van from XXXX XXXX XXXX in XXXX XXXX NV. I made my payments on time for the first 2month, by the end of the 2nd month The vehicle broke down. This was the 3rd time in that 2 months. Finanlly when I took the car to my moms we pulled into a XXXX where the car completly stopped working. We were stranded me and my kids in another town. I immediately called XXXX XXXX   and told them to come get the vehicle and where it was. When they picked up the vehicle I advised them I did not want it back it was a lemon. When I did not pick the van back up from them they counted it as late payments and then placed the car in repossession status. This was not a repossession in any way. I would like it fixed and removed from my credit report. I have been fighting non stop with this. Please have it removed from all of my bureaus this was not a repossession and it was a lemon a bad vehicle that never worked properly. I got scammed by this company.
Transunion has been and is reporting inaccurate information about the following accounts on my credit report without verifiable proof. I sent certified mails to Transunion asking about the verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from Transunion of the inaccurate information and I didnt receive it from Transunion. Since Transunion doesnt have a verifiable proof of the inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Transunion onXX/XX/XXXX : XXXX. The following accounts which should be deleted immediately are : Creditor Name : XXXX XXXX XXXX XXXX Account Number : # XXXX**** Creditor Name : XXXX XXXX XXXX XXXX Account Number : # XXXX**** Creditor Name : XXXX  Account Number : # XXXX**** Creditor Name : XXXX XXXX Account Number : # XXXX**** Creditor Name : XXXX Account Number : # XXXX****
I want to submit a complaint for Bank of America I used to be a customer I think I 'm no longer a customer since XX/XX/2016 due to some fraudulent done to my account. What happened was I applied for a long-term loan at home and I was approved for {$1500.00} not knowing that these people who I applied for a loan never existed. On the day that it happened I looked into my account and I saw that I was overdrawn {$460.00} I panicked so I went down to one of the branches I will need to speak to a loan officer but she really was n't any help she told me I had to call the claims department and Recovery, to find out what was going on they told me that there was XXXX checks deposited into my account by XXXX XXXX check was for the amount of {$360.00} and the XXXX was for {$280.00}. But nevertheless I have been trying to deal with these people I 've been calling and trying to talk to everyone and anyone in the recovery and claims department but they 've been pointing fingers at me saying that I 'm a thief I 'm not the victim. But I did report this incident the same day I found out what had happened to the police department then they assigned a detective on the case I also call the FBI in XXXX Florida and reported the issue I was advised to call the credit bureau. This is been going on since XXXX nobody 's returning my calls like they said they would call me back they close my account they flagged me down I 'm high risk. I also reported this issue to the Federal Trade Commission of fraud they also told me to call the Consumer Financial Protection Bureau and I 'm waiting for them to send me some forms so I can fill out and send them back so they can investigate. I told the bankers that I was going to go ahead and get an attorney to help me fight this because I will not let them slander my name will report me for fraud and not be able to open a bank account anywhere I 'm the victim not the thief and not because I applied for a loan online. Supposably these people that I apply for a loan they transferred XXXX checks into my account with an XXXX it had my name on the back of the checks and it was n't my signature at all and these checks came from out of state XXXX different companies. I need someone to help me get this resolved.
I received email offer for a credit card with great cash-back benefits from Capital One Banking. I have a money market account with XXXX XXXX balance with this bank. After applying, I was denied the credit card for the reason that my income was too low. I want to know how and why Capital One banking can solicit and extend credit card deals to prequalified people and then deny that unsolicited offer.
I was contacted by a debt collector who misrepresented the amount of the debt and negotiated a settlement based upon this false amount. I paid a negotiated sum to discharge the debt and then was contacted by the originator of the loan and informed that prior to the negotiated settlement date the full amount of the debt had already been forgiven. 

I attended XXXX University XXXX
I called Bank of America XX/XX/2018 regarding a {$22.00} interest charge on my statement after the previous statement was paid off. It is my understanding this is considered dual cycle billing, which the Credit Card Act of XXXX banned. I called Bank of America but they refused to credit the interest. I recently had the same issue with XXXX and XXXX, both of which credited my account.
On XX/XX/2018 I made a complaint against USAA because I felt like they did an inadequate investigation into a fraud claim I made. On XX/XX/2018, the bank called me back and somehow found me responsible after doing a " thorough '' investigation. I feel as if this decision was made because I made the first complaint. I've been trying to get this settled for almost the month long. I really thought the bank had its members best interest at heart but this shows me otherwise. They do not care about military members or veterans. I'm being told that because my pin was discovered and used that it's basically my fault that my account was robbed and I feel as though that is completely unfair. Every case isn't as black and white as these " rules '' in place and I've spoken with over 10 different people at USAA about this problem, all of whom agree that this is a situation that's out of my hands. I've only been able to to access my account once for about an hour in the last month. My money was stolen from my account as well in the amount of {$450.00}. I've explained time and time again how this has put my way below rock bottom because I needed my money to pay my last month of bills before I graduate. I feel like the bank isn't looking in the interest of the members when things like this come up and rather than looking at all the variables, it's down to a set of A or B rules. The bank is insured, I am not. My money is not insured and I thought the bank was my line of security against things like this. This is way I've filed a police report, called into the bank over and over. I've made claim after claim about this fraudulent activity. If I was responsible for this, I'm going through a lot to get myself caught I would say. It's at this time where I feel that my 8+ years as a member means nothing because I was even told by the fraud department that it would be best to just look for a new bank as this is a dead situation at this point. I never expected to go through something like this and it hurts me even more to know that this bank knows of my financial situation and how distraught I am at this time, yet they come back and tell me I'm responsible for XXXX of dollars worth of fraud on my account. I'm about to be homeless and I'm being told I can't even depend on my bank to have my back in trying times. At this point I have no idea what to do and I've gotten no help or insight from USAA. As I stated before, I haven't been able to access the account so I've been in the dark about this entire situation only to get told it's my fault. I'm just asking that someone who understands look over things. I'm not asking for XXXX of dollars back. I just want my account back in a normal status with my {$450.00} back. I've been more than cooperative with the bank throughout this entire process and yet I feel like I'm being treated as a criminal versus the victim.
Late  XXXX   XXXX  settled debt and received  XXXX  and filed on  XXXX  tax for forgiven amount regarding this   XXXX   account. On  XXXX   XXXX ,  XXXX ,  Portfolio Recovery Associates  listed a collection on my credit report. I 've never received anything from them regarding this supposedly debt owed.
XXXX  midland funding is stalling by saying i hired an attorney i did not..the cell phone was bought by my husband i asked for proof that i picked up the phone and they did not produce it i know for a fact he got the phone about 14 years ago iin a cell phone store it is not my    XXXX   XXXX    bill
Incorrect information reported to Credit companies by my mortgage company. I have never been responsible for a late payment of my mortgage. The new mortgaging company reported me late although my bank sent them two letters saying it had not been my fault. i understand they reported me late for a  XX/XX/2018 payment, when in fact i made it on XX/XX/2018.
This company first contacted me months ago claiming I owed money to progressive for car insurance after I switched insurance companies. I disputed it and send them proof that they had been paid and that progressive actually owes me a partial refund. They called and said they did not receive it. I told them to stop calling me and send everything in writing. I also mailed a letter and included in the fax with another set of my documents. They stopped calling. Then suddenly they started calling again. I asked them to stop calling and even referenced the written letter. They claimed they never got anything and continued to call to the point that I blocked their number, but apparently my blocking system still allows them to leave messages which are 30 seconds of silence.
Listed on my credit report from Equafax is a collection debt for {$77.00}. The account number is : XXXX. 
There is no identifying information for this debt. I am not aware of who owns this debt, or how to contact them. I am wishing to resolve this debt.
Experian credit bureau is doing a very poor job at protecting me the consumer. I have disputed this account ( XXXX ) with Experian before and it has never been resolve. This account is falsely reporting negative information on my credit report. On my Experian credit report it shows updated payment history and I did not make any payments on this account. If I did may any payments why the balance owe did not go down? 7 years of this account will be up this year and I believe this company is updating payment history so the date of delinquent payments will start over meaning the 7 years will start over also. 

ACCOUNTS : XXXX
Called one of the references on my loan account at XXXX XXXX  central time. And left message regarding my debt. Regional Finance  from XXXX, XXXX calling a reference in XXXX, XXXX.
I have made several attempts to get incorrect information removed from my credit experian report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for an account that was closed in XXXX and was last paid on in XXXX. 
I have requested that experian validate and provide the copies of information to prove they have the right to put negative items on my credit report. On XX/XX/XXXX I call and emailed a copy of a letter from my Attorney that was sent to the Creditor ; XXXX XXXX XXXX 
Experian updated the dispute on XX/XX/XXXX again to show a negative mark and my credit report is still not correct. 
I can provide a copy of the letter from my Attorney.
I have an inquiries on my report that I never applied for, I need this to be removed I already fill up an Identity Thief affidavit and send this to all XXXX credits bureaus.The company XXXX application was not done by me.
I have a debt against me under XXXX XXXX. I have no clue why or what for, as I have not had an account with them in over a year. I have not been contacted in regards to this. I believe my account was not closed and I have been charged for utilities under my name.
Dear Sir/Madam I purchased lot of item through Discover Deals cash back promotion.Below are the items. I called them multiple items. Every time I call them they promised me that i will get cash back on next statement. I wasted lot of time ( lot of hours ) talking to them. They should have automatically tracked but they deliberately not giving cash back thinking that most people does n't bother to call and get the cash back. I believe there is a systematic fraud happening here. 
XXXX XXXX XXXX Order # XXXX - {$250.00} XXXX XXXX XXXX Order # XXXX - {$170.00} XXXX XXXX XXXX Order # XXXX - {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA - Order # XXXX - {$100.00} XXXX XXXX XXXX Order # XXXX {$32.00} XXXX XXXX XXXX order # XXXX - {$24.00} XXXX XXXX XXXX XXXX # XXXX - {$81.00} XXXX XXXX XXXX XXXX # XXXX - {$15.00} XXXX XXXX Order # XXXX - $ {$10.00} XXXX XXXX Order # XXXX - {$39.00} XXXX XXXX
Debt was already to XXXX and account was satisfied by company paid XXXX has bought old credit report from third party.
I have XXXX inquires on my credit report from Barclays Bank of Delaware. The dates of the request show XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. These credit inquires were not authorized by me and I ask that they be removed Immediately as I did not authorize them and they are fraudulent inquires.
I am coming to beg for help, My husband was a XXXX and was laid off when the economy tanked. We went to Bank of America who right after bought out Countrywide. We filed out paperwork for a modification, I would call every Monday, I always got a different story, after several months they would give me some excuse and I would have again do paperwork. I called consistently and this went on until I had done the paperwork, faxed or emailed them 10-20 times. Close to a year and a half I was getting scared frazzled. I called them weekly at this time afraid anytime they would take our home. They had this stupid little guy come every week hand me a piece of paper saying call the bank, he then would take a picture of the house. It was so so embarrassing, we live in a nice neighbor hood. I would tell them I call the bank every Monday dang it. 



After all of these, I typed a letter explaining everything that went on with them for almost two years. I sent it to every government office I could. To my surprise the Attorney General in XX/XX/XXXX called me and stepped in to help. After all this stress and worry we put our home we loved on the market, because we were so worried and stressed to the max. By the time the Attorney general got them to move we had a contract to sell our home for less than we bought it 10 years before. By the time countrywide had reamed us in helping us years early. Our home we purchased for XXXX had a balance of XXXX after 10 years of payments. 



Here is my problem I need help with, I have been fighting our credit reports with Bank of America begging for them to either delete our account off both our credit reports with all three credit reporting agency. In all fairness, my husband after being laid off landed another Job. We could had made our payments, but Bank of America was still working on a modification. They said the first dispute in XX/XX/XXXX that we short sold our home instead of taking that make 4 payments and then we will give you a modification. They only offered after the Attorney General stepped in, we had accepted a short sale contract. 



I feel it is not our fault there is years of 120 days late on our report, they have been holding us hostage since XX/XX/XXXX. We can not buy a home, car without paying 22 %, my husband is XXXX this year, I am XXXX. I have just fought XXXX XXXX, my husband needed XXXX but we cant take a loan because of Bank of America. They ruined people which is on them and in all fairness should delete their mistakes for good people. 



Please we do not deserve to keep paying for what was a mess with the Banking industry and I am tired of them holding us hostage. Why is this all on us, I did not drag my feet and make them jump through their hoops and jerking us around. 



XXXX and XXXX XXXX XXXX
At the beginning of the year myself and my wife received a copy of our credit reports and we noticed that there are many variations of our names and addresses that are unknown to us, including places of employment. So we deiced to update our personal information with the credit bureaus. 
On XX/XX/XXXX and XX/XX/XXXX we uploaded our up to date personal information including our places of work to Experian credit report upload website, we included notarized proof of our names, addresses and social security number. few weeks later we received copies of our credit reports from Experian and we noticed that they did not delete the inaccurate and old personal information, they just add the new information we send them. So, we did send the information back again on XX/XX/XXXX but this time by certified mail, and as the first time we send them proof NOTARICED of our identity, address and social security card, and once again, our information was not corrected, if they were ignoring the information we were sending them. On XX/XX/XXXXI call Experian to ask for an explanation why the information was not removed if we did send them notarized proof two times?

The answer I got from the agent was, that they will not remove or update my personal information unless a creditor or collection agency inform otherwise. I even argued that I am the only person with all original documents probing my identity, and as an example I ask the agent that if I have my birth certificate with my name written on my hand and my neighbor on the phone telling them a random  name of mine, which party they are going to believed? ... agent .. '' dont take it personal but, your neighbor.. 
Please help me to update my information, what Experian is doing is illegal our information has to be accurate, our names have to be 100 % accurate and all addresses most be removed, they are not deliverable to me or my wife by the US Post office, and they are not reportable as per the FCRA, since they are inaccurate.
I try and get a lower payment for my student loans it always end up being over 200.00 a month when I have no job and XXXX children its seems even if I go into Forbearance its only a couple of months and my payments after are like XXXX I tell them I can only make a payment of XXXX dollars a month they tell me thats no sufficient even when I was XXXX on ssi and ssa they still would not lower payments now my loans has incurred 8 years worth of interest because they would not work with me and my low income