WillisBack/dataset-financial-user-claim huggingface dataset:
I was recently viewing my credit report through experion credit report- and after looking at my credit report I did notice there were late payments on one of the cards. I thought that was odd because I do not have any debt on my credit all my debt is paid off. Doing some more investigation from XXXX I did find out I did have a negative balance of {$2500.00} of which I was not responsible for which is a result of identity theft. The Citi card was opened on XX/XX/XXXX and the card was closed due to charge offs. So someone did use my social security number, possibly my name with a different address to shop for the following items. 
After doing some investigative work online I did find out that the card is associated with Home Depot or it 's a CITI card that they issue to home depot. I initially called the CITI cards and they told me they do n't have me on file that I needed to contact Hope Depot in order to dispute the charges. After calling the Home Depot they gave me a CITI card number again and they told me to call the following XXXX numbers XXXX of the numbers is associated with their Home Depot CITI cards. XXXX. The other number is XXXX XXXX. 
I have n't had a chance to call the last XXXX numbers. I did contact some other government agencies and I did file a report. On the other hand I did contact the credit bureu and they did file an identity theft report and they are doing some investigative work and they 'll let me know what he result is in the next 30 days. So as a result I 'd like the following credit card issuers to clear my debt because its ruining my credit or I 'll be taking legal charges against CITI/Home Depot card for ruining my credit. Thank you.
I co-signed for a private student loan for my daughter in law and when she filed for bankruptcy, the loan obligation transferred from her name into mine. The loan obligation to the loan was reinstated inadvertently to my name - according to AES. At no time did I receive a phone call or letter regarding this issue and as of XXXX XXXX, this started to appear on both of our credit reports, causing catastrophic credit issues. This loan has been past due since XXXX without anyone 's knowledge until XXXX. The past due balance is more than either party can afford and after months and months and several attempts to resolve and issue a feasible payment arrangement with AES, we are still being told there is nothing that can be done. We were told that AES will reach out to the original lender ( which is no longer active ) to see if they can work with AES to resolve the past due and bring the loan current but we still have not received an updated status and we have been calling weekly. We would like to pay on this loan and move forward but we can not find any help. We just bring the past due balance current and remove the past due fees that have applied due to the fact that AES never informed either party that the loan was reinstated. My daughter in law has been paying current loans with AES timely and was never informed that this loan was past due until XXXX.
I was fraudulently charged on my XXXX card. XXXX reversed the charge. The provider, XXXX, converted the XXXX to Barclaycard. Several months after the reversal, Barclaycard added the fraudulent charge back to my account. I provided them with evidence that the charge was fraudulent, but they left it on my card anyway. They did not provide any invoice or receipt from the merchant to support the fraudulent charge. The only business I conducted with the merchant was paid by checks, NOT by credit card. I provided the invoice from the merchant and copies of the checks that paid the invoice. 

The credit card company claims there was some other charge by the merchant, but the charge to my credit card was fraudulent, as XXXX confirmed when they reversed the charge! There is no other invoice or any other service provided by the merchant that would justify charging my card. 

I have attempted to contact the merchant numerous times over the past several months to no avail. Barclaycard has not addressed any of the issues with their response and seem to be just intent on keeping my money for this fraudulent charge.
I have received a notice from Sallie Mae to call them about a loan. I called Sally May and XX/XX/2017 the representative I talked with had told me that we could pay a one lump sum of {$6700.00} to pay the loan off and we would be saving money on the interest. I had asked the representative if it was OK if I got back in touch with her to talk with my husband to see if we could get a loan to pay this amount and save a little money on the interest she said that was fine. I then called back on XX/XX/2017 and talked with the representative to see if we were still eligible to pay the lump sum of {$6700.00} to the Department of Education and save on interest. The representative told me that was fine she had to go over other details if we want to do payments like XXXX dollars a month I told her no we would do the lump sum payment of {$6700.00} she said that was fine so we made the payment department of education student loan deposited it. I was told that the loan is paid off and we save some money on interest. Never heard any more correspondence to this. Until my husband received a credit report and this was on there {$780.00} interest not paid regarding this loan that we did pay off. So now my husbands credit is bad. I had called to find out what was going on and they sent it to the XXXX for collections which was very unfair on the dates I spoke of XX/XX/2017 and XX/XX/2017 these messages were recorded by this organization federal loans they could go and listen to the recording. I was told by XXXX that the representative never signed off on it and now I am up to almost {$900.00} in interest if I didnt do the one lump sum and just pay the XXXX Id be paying less now theyre getting more money out of me which is not my fault or my husbands fault I sent to other children to college never had a problem theyre almost done or they are done with their bills are ready and now I am having problems with my last son this is not fair we got a loan out for the amount of {$6700.00} I have the check that the Department of Education deposited we were Told that the loan was paid in full we owe nothing now after so many months I am sent to collections agency for something that is of not my doing. I need someone to please help me with this situation Ive had hardship financial problems and I just cant afford to give money when I did nothing wrong I paid the debt and now they are trying to tell me I have to pay them more. I was told by Department of Education and by XXXX that the representative that took the payment never signed off so thats why it went into collections for the interest how is this my fault it is all on recording I paid in full if you listen to the recording you will hear that we paid for it all and fall could somebody please help me with this situation. Sincerely XXXX XXXX my email is XXXX my phone number is XXXX I would appreciate if somebody could help me with this situation thank you so much.
Equifax is giving me a wrong name, stating that I 'm also know as XXXX
Im disputing XXXX Account # XXXX. The reason for the dispute is because I requested directly from the Furnisher XXXX XXXX on the date of XX/XX/2018 for validation of debt. They failed to provide that information in the proper time frame of 30 days. Also the proper repossession paperwork has still not been produced to me. Im in the process of failing a claim with the Attorney General Office and also filing a lawsuit against XXXX XXXX if they will not comply with my request for the violation of my rights. Now the problem Im having with the CRAs are as follows. According to the FCRA RULE 623 ( a ) ( 3 ) the furnisher must Report to the CRAs items are in dispute by consumer. On my credit report XXXX didnt report this information so this is violation number one. On my credit report it reports different open dates for the same account to each CRA. This account also report different month terms between each CRA. High credit balance is different for each CRA. Last reporting date is different for each CRA. Also date of last activity different between each CRA. Last payment different as well. Furnisher rule 660.4 ( e ) says inaccurate date and payment activity and account activity is a violation. This account has to be removed by the CRA because this is beyond just a validation of debt by furnisher issue. The furnisher kept very poor records I have all supporting and necessary proof and paperwork to support my claims. If you as the CRA continues to report these information. The CRA will be willfully and knowingly reporting inaccurate information. Which is violation FCRA ACT section 1681s-2 ( a ).

Attached documentation are as follow CFPB first dispute to XXXX XXXX. 
Follow up letter to XXXX XXXX from me. 
Credit Report showing the inaccurate information.
XX/XX/18 : was notified of a collection. when notified i was informed i would need to make payment right away or they would take legal action right away. when i notified i wasnt paying them the person on the phone became aggravated and wanted to use scare tactics like going to court and paying legal and lawyer fees then hung up the phone
I was offered a no interest slate credit card by chase bank it was opened for only 1 month and they closed the account on me and destroyed my credit scores I had a XXXX and it dropped by 62 points because chase closed my account. Chase customer service will give me no reason why! I abided by all their rules
On my credit report, they 're showing my current address as XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. I 've never lived at that address, nor do I know anyone at that address. My correct address is XXXX XXXX. XXXX, XXXX, IN XXXX. 
Additionally, they have my name as " XXXX XXXX XXXX '', and my name is " XXXX XXXX XXXX ''. 
Finally, they 're showing a debt from a judgement, re : XXXX, and this has been paid off since XXXX of this year. How do I go about getting this and some other discrepancies removed from my credit reports? Thanks! XXXX XXXX
I signed up for XXXX premier as my ID was hacked into. I found out I had derogatory reports and have paid them over 3 months ago, some longer ago. I have repeatedly called these companies and the negative reporting has re-appeared. 
# 1. XXXX XXXX out of California bought my Care Credit account from Synchrony Bank I owed them XXXX they tried charging over XXXX XXXX. We agreed upon an amount and I paid it. They agreed to report paid in full with a XXXX  balance. It still shows up on XXXX as owing over {$600.00}! 
# 2. I had an XXXX Credit Card with approximately $ XXXX-XXXX balance. I tried numerous times to call them after getting out of the hospital, as did XXXX XXXX. In XX/XX/XXXX they agreed to accept {$320.00} as a paid in full I tried along with XXXX XXXX to accept this offer and pay them off. XXXX XXXX tried again in XX/XX/XXXX and XX/XX/XXXX. They said they can't talk to us??? We don't understand why it's still being reported and it shows up as {$1000.00}. being owed on my XXXX  report. 
# 3. XXXX XXXX reported I owed a bill to XXXX XXXX XXXX for {$270.00} and {$210.00}. They removed it as XXXX XXXX repeatedly called the hospital to let them know I had insurance that covered the bill and to bill the insurance. They did and removed it from the other credit bureaus but not XXXX! 
I was hospitalized repeatedly from XX/XX/XXXX throught the end of XX/XX/XXXX with XXXX and am now completely XXXX and on XXXX. XXXX XXXX is trying her best to repair my credit but no one is co-operating in removing these from my report even though they were paid or reporting things incorrectly. 
All items on the derogatory report have been paid except XXXX/Synchrony. Who refuse to accept our call or remove the derogatory report. 
XXXX, XXXX is paid as is a negotiated XXXX bill that was charged up by a former girlfriend.
On XXXX XXXX, 2015 I was attempting to help a friend obtain a phone through the XXXX XXXX XXXX. I was advised that they had financing options that did not include pulling or reporting to my credit bureau. The gentleman in the store asked me if I wanted the payments to be withdrawn from my checking account, I advised I just needed him to make sure that my credit was not run. He said ok, finished processing the account, we received the phones, he gave me information for when the payment was due and I thought that was the end of it. On XXXX XXXX, 2015 I called Fortiva as I pulled my credit report and noticed an inquiry from Fortiva and gave them a call and explained that I was told more than once that my credit report would not be run, I advised their inquiry was without permission and told them that I wanted the info to be removed from my credit report. I was told by a representative as well as a supervisor by the name of XXXX that I needed to XXXX the balance on the account and they would remove the info from my credit report. I asked for something in writing and they said they would n't be able to give me anything in writing, but to make the payment and call back and they could take care of it from there. Apparently, as XXXX informed me, there are XXXX ways for financing for XXXX phones. There is a " Y Buy '' program that does n't include pulling a credit report and then there is " Fortiva '' which indeed does pull a credit report. XXXX told me I could have the store cancel out the Fortiva account and instead sign me up for a " Y Buy '' account and that would XXXX the balance or I could just pay the account down to XXXX. In not wanting anything else to do with any of their financing options I went ahead and paid off the account on XXXX XXXX, 2015. The payment updated to the account after business hours on XXXX XXXX, 2015. I called in on XXXX XXXX, 2015 and then spoke with another representative as well as another supervisor by the name of XXXX rep id # XXXX. I informed him of the previous conversation and that the account was now paid off and that I wanted them to follow through with removing the information from my credit report. He told me there was no way to do this as they do n't remove factual info from the credit report. I advised I understood not removing facts, but I did n't authorize my credit report being pulled. He said they would have to do an investigation and someone from their corporate office would call me within 3-5 business days. 14 business days later I have not received a call back or resolution to my problem so I called in on XXXX XXXX, 2015. I spoke with a representative and asked to speak to a supervisor. After almost 15 minutes on hold, the rep came back and said a supervisor was not available, he was on another call and would need to call me back. 24 hours later and I have still not received a call back. This is incredibly wrong, I have been misled and lied to and I would like some resolution to this situation.
I applied for direct debit in mid-March of 2015 for a private student loan serviced by Navient ( originated with XXXX XXXX ). I was given to understand that it could take a few billing cycles for the automatic debit to kick in, so I made a manual payment for XXXX. When I noticed that the XXXX payment had not been automatically debited, I called the private arm of Navient on XXXX XXXX and asked why no XXXX payment had been debited but my " amount due '' shown on the Navient website was at {$0.00}. I was told that it was taking a little longer than normal to activate direct debit and that my account had been put into an automatic forbearance. I was told that this would not affect any credit or reporting, but that interest would continue to accrue on the unpaid balance ( including that payment that was n't made-without my knowledge- in XXXX ). I was assured by the customer service representative that my next payment would be automatically debited as scheduled on XXXX XXXX. As of XXXX XXXX, no payment has been debited. I made a manual payment on XXXX XXXX, even though the website still says my amount due is {$0.00}.
I applied for XXXX XXXX visa card issued by US Bank 2 months ago. The reason that I like this card is it provides " bonus award night exclusively for card members ''. 
After opening of my account, I paid {$75.00} annual fee. And in the card member benefit document it says '' enjoy all these benefits after paying {$75.00} annual fee ''. But just after a few days, US Bank emailed that they cancelled that " bonus award night '' benefit! 
US Bank charges the same amount money for less card member benefit, that is how they make profits! 
They mislead customers to waste XXXX hard pull and apply for this credit card, and suddenly cancel card member benefit to make this credit card useless and I would have not applied for it if I knew it at the beginning!
I was contacted by this company on XX/XX/XXXX. I was told that this is regarding a debt with XXXX XXXX XXXX ( never heard of them ) for a payday loan for the amount of {$540.00} with an origination date of XX/XX/XXXX - but then after further inquiry, it appears that this loan may not have originated that date but that was the date it was due so the origination date may have been as much as two months before that date. 

The XXXX call was transferred to a guy ( not sure who that guy was ) and I told him that this " alleged loan '' was placed into a bank account that had been closed since XX/XX/XXXX so that this potentially was a fraud account they were handling. He told me that I needed to take it up with the court and hung up on me. 

After calling back, I asked to speak with a manager. I was transferred to XXXX. I explained to him the issue and he provided me with the information I requested. I asked for a debt validation letter to be mailed because if this turns out to be fraud, I have various avenues to pursue. His demeanor completely changed after that point, accusing me of threatening him. I told him I was n't threatening him but I was just stating a fact and trying to get information in writing. 

The information they have is all confused. The initial call ( on voicemail ) said that I needed to be available from XXXX-XXXX for the currier service from XXXX County to serve me with documents. Again, this is the first contact I have every had with this company. I asked him where he was going to mail the debt validation letter to, he provided me with an old ( 3 year old ) address. I asked him where they got XXXX County from. He said that is where the address is currently at ( the address he provided was in XXXX County ). 

I asked if he had contact information from the company they got the debt from ( he said it came from a collector ). He informed me he did n't have that information but it would be provided in the letter as he did n't have that information readily available. I also asked if he had contact information for XXXX XXXX. He said he did n't and had never heard of this company ( weird, right? ). 

I told him I would call back if I did n't have a debt validation letter in my email by XXXX tomorrow ( XX/XX/XXXX ). 

I am attaching a copy of my last bank statement from the XXXX account he is speaking of to show that it was closed on XX/XX/XXXX before the alleged deposit. This account had many fraudulent activities which is what it was closed and all other issues have been resolved accordingly.
I noticed on my statement that I had been assessed a late payment fee. I had paid the payment on the XXXX of XXXX ( the due date ). I called the company to resolve the matter and was told that if I had not paid the payment by XXXX it would be considered late. I also was notified on the phone call that I had been late 30 days twice on this account but they could not tell me when. Specifically asked me to go back through my statements. I got this CC at a time when I was really attempting to get my credit better. I really do n't think I have been 30 days late on any credit card since 2010. I sometimes make XXXX payments a month on this card ( Barclays Card ) I just think it is reprehensible that a bank can charge a late fee because you paid the payment on the agreed payment date but just not the correct time. I think I also noticed my APR increased as well. Plus I have over XXXX XXXX points and I have not received my XXXX rewards cards ( I 'm entitled to XXXX as XXXX XXXX card ).
This is not the first time I have filed this complaint with you concerning this matter. Information From XXXX that should have been removed off my credit report since XXXX XXXX. I missed XXXX loan payments XXXX XXXX thru XXXX XXXX my loan was modified XXXX XXXX have never missed a payment since modification. XXXX sold/transferred my loan 4 years later XXXX XXXX to XXXX my current lender. Experian was contact by me several times. Their answer was that when my loan was sold/transferred to XXXX on XXXX XXXX. I must count 7 years from the sold/transfer date and not the date the account first became delinquent which was XXXX XXXX they will remove late payment off my credit report XXXX. This means I would be carring this negative information for 11 years. I have search high and low and can not find anywhere that this is the law concerning sold/tranferred loans. If my loan is sold/transferred tomorrow does this mean I start over again the seven years? I would like for this to be removed it is over due. A new credit report to show removal.
Back in XX/XX/XXXX my wife and I were granted a forebarance relative to our first mortgage ( Santander Bank ) on a second home in XXXX XXXX due to the effects of Hurricane Irma as we currently live in XXXX. We followed the rules and paid the escrow amount requested every month ( {$400.00} ). Because of an administrative mess up the forebearance was continued until XX/XX/XXXX. As instructed by Santander Bank we submitted a plethora of financial information to them to determine how to administer the outstanding amount. In the interim however we were informed by the Santander single point of contact that the servicing for our loan was assigned to XXXX. I was also told that my monthly payment for XX/XX/XXXX was {$890.00} which I paid. 
A few days later I received a call from XXXX and was told I owed {$9000.00} and had to pay by XX/XX/XXXX. Since that time I have spoken with the loss mitigation manager XXXX XXXX ( XXXX XXXX ). However for more than 2 weeks I have not received a call back nor any written communication regarding the change in loan servicing or my situation coming out of the forebearance. In the last three days our credit scores have decreased 90 points each! No one has called back despite repeated pleas for help.
XXXX XXXX XXXX XXXX XXXX ; I refused to pay for what seem to be like fraudulent activities. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 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 you. They can not provide me with any original paper work, signatures or ID copies.
Chase is closing my oldest credit line without any notice to me to save it and without disclosing an inactivity policy.
I was notified on XXXX/XXXX/2017, that due to me using the overdraft protection that capital one 360 had decided to close my account. At that time. I explained to them that I had a direct deposit coming into the account. They said no worries that as soon as the deposit came in for me to call and they would transfer the balance to my. External account with the credit Union. today is XXXX/XXXX/2017 and I still have not received my money. I call every day and im rudely told that it will be there the next day and as of yet it has not happen. I have been inconvenienced to the highest level. I need my money as I have requested!