WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2015, I purchased a membership with XXXX XXXX XXXX XXXX XXXX. I received a letter in the mail pertaining to a free 5-7 day vacation. I called the number and spoke with a representative that told me I would get a free vacation for attending a presentation they were having in the XXXX, XXXX. The rep said that the vacation was completely free and the only fees I would be responsible for would be porting fees wherever I chose to port from. I asked if this were a timeshare presentation and was told no. The rep said they were nothing like timeshare but they turned out to be exactly that. I went to the the presentation expecting to receive a free trip. My wife and I already owned timeshare with XXXX XXXX XXXX in XXXX XXXX XXXX, so we had no plans of signing up for another. A gentlemen by the name of XXXX was the speaker. He was also the manager. He asked if anyone in the room has ever had timeshare. He went on to talk about how timeshare is a waste of money and you have to pay maintenance fees for the remainder of your life. He also said that the children of timeshare owners would inherit the timeshare obligation. He made us feel as if we had made the worst decision possible by having timeshare. XXXX went on to say that they would be able to get anyone that had timeshare out of their contract. We met with a sales rep name XXXX after the presentation that told us we would be out of contract with XXXX XXXX in about six months if we agreed to a membership with them. After about 4 hours, my wife and I decided to join XXXX XXXX. About a month after we signed our contract we tried to schedule a family cruise that was the price as one my wife found on XXXX. XXXX said their prices would save us a ton of money but that was n't the case. We were paying them {$230.00} per month for vacations we could find on any website. The free trip that I was promised was n't free. I would also have to pay processing fees among other fees that would cost me about $ 700- {$800.00}. They also did not explain that I would have to pay renewal and regular monthly dues in the same month. Nothing they promised me they have done. I have been receiving calls constantly from XXXX and Monterey Financial Services who the finances the loan. I explained my concerns to XXXX who was the customer service rep I spoke with. A few days later I received a call from XXXX. I advised them not to call me again but I have continued to receive phone calls. They have called me several times about this account after I told them not too. They have also called my wife on multiple occasions and she has no obligation to them because she is n't on the contract. The most recent call I received was on XXXX/XXXX/2015 from XXXX. The sound very angry in her voicemail and said I must return her phone call by the end of the day to avoid having the account go to collections. I have chosen not to pay this account because I have been lied to and been misinformed about everything. I have n't received anything they promised me. I feel as if I were scammed and do n't feel I should be obligated to pay the reminder of this contract. My credit score has also been affected negatively by this account.
Since the breach my credit score is horrible like 500.ny mortgage and other good accounts are gone my fico now XXXX.ive written called and no help. I could not get a XXXX loan. I need this fixed. Help
ERC {$1300.00} XX/XX/XXXX XXXX {$1700.00} account opened XX/XX/XXXX These accounts are fraud due to identity theft I want them removed because they do not belong to me.
Palisades Collection is attempting to collect a debt that was discharged. They are harassing me at my workplace and at home. It appears that they know the ramifications but they are persistent and they are sneaky and nasty ( and intrusive ) with their ploys.
In XX/XX/XXXX, my Experian credit report indicated that my last late payment was 18 months ago ( XX/XX/XXXX ) and that I had " XXXX '' late payment. Inexplicably, my Experian credit score dropped XXXX points in XXXX and the report indicated that I had " XXXX '' late payments with the last being 19 months ago. XXXX late payments newer than 19 months ago made no sense. As, I knew that I had no late payments and if I did, they should appear on my credit report. I spoke with Experian XXXX representatives who stated, they could n't see " anything to dispute '' on my reports as there were no " new '' late payments added since XX/XX/XXXX!! I asked them what could be done to correct the inaccuracy and they said " nothing '' as they could n't identify anything to dispute. They refused to resolve the issue and indicated there was no way to repair my credit score.Nor could they provide an alternative explanation to the precipitous drop in my score! 
this to me appears to be a gross error and negligence on their part.
I disputed a collection account from XXXX XXXX XXXX on XXXX, XXXX and TransUnion credit reports. So far I have heard back from XXXX stating that XXXX XXXX XXXX verified the information as correct and the item was not deleted. 

I have submitted two complaints against XXXX XXXX XXXX with regards to this account and in the first complaint they agreed to delete the item from my credit reports. 

However, this has not been the case. I am providing copies of the first complain with XXXX XXXX XXXX stating they will remove the account from my credits bureaus. 

I also asked XXXX, TransUnion and XXXX to provide the means of the verification and the proof that was provided by XXXX XXXX XXXX. This information was not provided. They are just relying on XXXX XXXX XXXX word. Without proper evidence showing this account belongs to me ( which it does not ) this item must be removed.
Transworld Systems sent me a letter indicating they collecting a medical bill debt. I believe I have paid this bill and attempted to call their customer service number multiple time. There is no answer -- only a strange message about an extension number. I logged on to their website only to find there is no way to dispute this debt on the website. They provide the same phone number described earlier. 

This also happened to me in XXXX 2014. I still have that issue on my credit report. 

This company makes it difficult or impossible to contact them.
Bank of America improperly calculated my income and expenses. Bank of America is making it nearly impossible to be available. Many calls end up in the wrong departments. Bank of America based a modification disqualification on to much income to debt, however did not take into consideration the the new payment. Bank of America stated I did not qualify for a regular refinance because I did not make enough income. Bank of America will not asssign someone specific to handle my situation. Bank of America took over one year to make a decision on a loan modification.
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these account. 


Transunion has taken care of all the other accounts listed on the FTC identity theft report except this account with XXXX XXXX XXXX XXXX for {$0.00} XXXX that is listed as terminated I have never had a account with XXXX XXXX XXXX XXXX and wish to have this removed under the FCRA 2009 ( a ).
wells fargo bank amount XXXX opened XX/XX/2014 car note was sent to wells fargo dealership service .through XXXX for witch I had an acct. that was set up by wells fargo. All prior payments were not recorded nor received by wells fargo acct. # accociated with car note acct. #. car was repossessed by wells fargo without giving me any notice. Acct. # ware money was going was made up by wells fargo without my knowlege
I have contacted the 3 credit bureaus about incorrect inaccurate information reporting on my reports and have gotten no resolution. I have asked several times to provide me with method of verification and I do not receive it. I have disputed Bankruptcy information on my report that they refuse to investigate or remove.
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX  XXXX, XXXX  and Equifax are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.
Facts : I currently have a Total Balance of {$120000.00} for all federal loans. 
Direct Sub Consolidation Loan - {$67000.00} Direct Unsub Consolidation Ln - {$51000.00} I have incurred significant negative amortization on my federal student loans since enrolling in this program. I would not have incurred such negative amortization if I were in enrolled in other payment plans or programs. I am now forced to deal with this scenario and committed ( due to the negative amortization I have incurred ) to following through with Public Service Loan Forgiveness ( PSLF ). This means that calculating my Qualifying Payments Made is essential and critical. My current Qualifying Payments Made is showing zero [ 0 ] qualifying payment made as of XX/XX/XXXX. If this is not resolved reasonably I will be left with only the option of suing, which is a further burden to myself ( never mind trying to locate an attorney who will take my case ). I strongly believe this is malicious and intentional activity on the part of XXXX XXXX to defraud public servants like myself who have enrolled in this program. 

On XX/XX/XXXX I became full-time employed with a state agency of the State of Texas ( that is a qualifying employer for PSLF ). 

XX/XX/XXXX my federal consolidated and unconsolidated loans were transferred to XXXX XXXX. 

XX/XX/XXXX I contacted XXXX XXXX via their upload file communication, and mail. I sent a letter communicating the total number of Qualifying Payments Made is shown as zero [ 0 ]. 

I also called in XX/XX/XXXX and XXXX XXXX indicated they had a copy of my Employment Certification Form ( PSLF ). They said that it would take 90 days to calculate my qualifying payments made. As of XX/XX/XXXX this calculation has not been done. 

XX/XX/XXXX I uploaded and mailed a letter to XXXX XXXX that had a copy of my Employment Certification Form ( PSLF ) signed and dated by my employer 's human resources representative on XX/XX/XXXX. 

On XX/XX/XXXX I notified XXXX XXXX via mail and upload option from my account that my Qualifying Payments Made was still showing zero [ 0 ]. I also let them know if this was not resolved by XX/XX/XXXX I would retain an attorney. 

On XXXX I contacted XXXX XXXX at XXXX, and asked what was taking so long. I was informed that my qualifying payments had not yet been calculated and it would require the representative to submit an inquiry that would take 6 to 12 months to resolve as to why this had occurred or to calculate Qualifying Payments Made going back to XX/XX/XXXX. I let them know that was absurd and asked for their legal department and they said they did not have one. I confirmed the PO Box mailing address and said I'd send my notices to that address. It is absurd that I have to deal with this kind egregious and notorious behavior to deter, or otherwise engage in action that would not document my public service properly.
One of the addressees on my report is not right. 
XXXX XXXX XXXX XXXX, OH XXXX
I have asked them not to call me because they have other ways of contacting me. I warned them that I would file a complaint and they still keep calling me.
XXXX XXXX XXXX has lots of information omitted. 
Account Owner : Not individual was a business account. send proof it was a personal acct Date major delinquency first reported information missing Date of Last Acitivity is missing and accurate High Credit amount is missing this account has been disputed before for inaccurate and not reporting full information as per FCRA
I set up my monthly payment to be paid through my online bill pay through my bank, XXXX. It was set up to be paid on XXXX XXXX, 2015. Today, XXXX XXXX, 2015 I received notification from my bank I had been overdrawn due to Carrington Mortgage Services cashing my check before the XXXX XXXX, 2015 date on the check. According to representatives at XXXX bank, they informed me that Carrington should not have cashed the check before XXXX XXXX, 2015, and they viewed the check image that showed the date of the check as XXXX/XXXX/2015. My bank account has been overdrawn, and I received a fee ( XXXX is working with me and waiving the fee due to it being the fault of Carrington ). XXXX is not able to refund my money until later today or tomorrow at the earliest. I called and spoke with a representative from Carrington Mortgage Services and they said there is nothing they can do until the check is returned in their system, but agreed that they should not have cashed the check early. Now, I must wait to see if they try to re-deposit the check or if I will have to resubmit a new payment entirely.
Tried ton purchase a car at local dealership and was told they could n't get any report from agencies, no number is being reported. I called XXXX and they said it is reporting. I have tried to get home equity loan and was told the same thing. XXXX says no reason for that so why ca n't anyone access a credit number. Experian had told me all my credit was old, which is true but what should that have to do with my credit history. XXXX has told me there are no negative items on my report. I have a charge account with XXXX which has been active since 2003 and Experian said it was n't reporting properly because my birth date needed to be updated? This account according to them is reporting as no status. It 's the only active account I have had for several years and it is not reporting properly. Experian says it 's XXXX 's fault but XXXX has told me that have updated to credit agencies. I ca n't get credit even though my credit has always been very ggod. THIS IS NOT FAIR. credit reporting agencies are prohibiting me from getting credit by not providing any credit history while at the same time saying they are. I do n't know where the disconnect is but it needs to be resolved I need your help
I arrived in America from the XXXX last year. In the XXXX my credit score with Experian is XXXX. Nearly perfect. Financial institutions here in the USA are asking Experian for my credit status and are receiving a poor report from Experian who are clearly not using the data from the XXXX that they furnish to companies there. 
This is discriminatory, unfair and unreasonable. 
I have tried to contact Experian online but their site is not allowing me to upload documents. Their telephone help lines keep you on hold then redirect you to an answering service that asks you to enter identifying data then tells you you will be contacted the next day. 
No provision is made for online chat or email communication.
I bought my house for {$250000.00} in XX/XX/XXXX. I refinance the mortgage without taking any money out on XX/XX/XXXX. The mortgage is now {$190000.00}, which is less than the XXXX % required to remove the PMI. I contacted Chase, my mortgage Servicer, a couple years ago when it was around the XXXX %, and they refused to remove the PMI. My payments are always on time.
when I took look at my credit report I notice some Hard Inquiry that I know I did not give permission to run. I look at all of the majors credit agency each one is showing something different. with these hard inquiry cause my credit score to drop. I would like these hard inquiry to be correct and remove. from all three credit agency.

This is list of all the Hard inquiry.

1. XXXX XXXX XXXX.- DATE : XX/XX/XXXX 2. XXXX XXXX -- -- -- DATE XX/XX/XXXX 3.XXXX XXXX XXXX -- -- -- - DATE .... XX/XX/XXXX 4.XXXX XXXX XXXX. -- -- DATE XX/XX/XXXX 5.XXXX XXXX XXXX DATE XX/XX/XXXX.
I need your help with Equifax, XXXX, XXXX  that is reporting bankruptcies and other accounts that are not mine. Please have them to prove where I filed bankruptcy and opened these accounts. I would like for the incorrect information to be removed from my report immediately. XXXX1. Bankruptcy : Discharged CH-XXXX Equifax : XXXX-XXXX-XX/XX/XXXX XXXX : XXXX   XXXX : XXXX.

2.XXXX XXXX Equifax : XXXX XXXX : XXXX   XXXX : XXXX.

3.XXXX XXXX Equifax : XXXX  XXXX : XXXX.

4.XXXX XXXX XXXX XXXX  : XXXX 5.Bankruptcy : Discharged CH-XXXX   Equifax : XXXX-XXXX-XX/XX/XXXX XXXX : XXXX XXXX : XXXX.
Ally Financial, also known as GMAC Auto, was trying to contact me about an insufficient fund for a payment I had made them. Instead of trying to call me or wait for a response ( as I never got a call from them ), they somehow found the name and phone numbers of known associates ( friends/family ) of mine, called them and told them who they were ( Ally ) and was collecting a debt for me ( specifically said XXXX XXXX ) and then asked my friends to make a payment on my behalf. When my friends said no, they asked them for more of ways to get in touch with me and I 'm not sure who else they call. XXXX from Ally denies this happened. Ally also told my friend they were calling other people too. She left her phone # and extension with my friend. Sadly and most frighteningly, Ally knows my phone number and should not have been calling other people, telling them my business, and putting out my personal information like that - its unlawful, and goes against the FTC rules and regulations. I 'm not sure what other information they leaked about me, but it needs to come to end. And fast!
I have been doing business with greenskycredit aka XXXX and have been paying an authorized dealer on a weekly basis by automatic w/d from my account. It has come to my attention when I recieved my bill and late fees and excess interest that this party has not been posting my payments. On the following dates the payments were pulled from my account and on the following dates they were credited to my credit account. 
XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX never posted XXXX/XXXX/15 XXXX never posted This company has also been assessing late fees on this account the most recent one was assessed on XXXX/XXXX/15. This is a direct result of the destributor failing to post payments.
I was contacted by XXXX XXXX regarding an alleged debt owed to XXXX. I did not recognize the debt, I disputed the debt and asked for clarification. This has gone on for several years with various other collection companies. Most recently, I have received collection noticed from XXXX XXXX, then when I again disputed the claim, I began receiving collection demands from Resurgent Capital Services L.P. Again, I immediately disputed the debt and asked for validation. I received communication from Resurgent " enclosing verification of the debt '' which turns out to be an " Account Summary Report '' prepared by Resurgent, adding their collection costs, and a pamphlet regarding Resurgent 's services, with the notation that I should contact them within thirty days or the debt would be deemed valid. In every correspondence, I have specifically requested verification that I owe the debt, I have told them to cease and desist with their debt collection actions, I have sent them all certified mail, return receipt requested. They have received every correspondence. The amount they are trying to collect is {$340.00}. This has been going on for a few years now.
When I applied for Sallie Mae private loans I was assured over and over by their phone workers that I could make changes on my payments depending upon my finances. I currently pay {$750.00} a month to Sallie Mae and have been unsuccessful in getting them to change that. I made an official complaint through the CFPB about this and received a call from Sallie Mae offering to " work with me '' on my rate. They told me they were unable to change anything on my account because my cosigner and myself combined make enough income to pay my monthly fees. I am submitting a complaint because this was clearly far from transparent during the application process. Again, they assured me, based upon MY finances, not my cosigner 's, that I could make alterations in my payments. I was unable to make payments for XXXX months last year, and rather than put them on my cosigner, I was forced to go into forbearance, which ultimately led to an even higher monthly payment. 

My XXXX complaint is that my interest level is absurd, even having excellent credit. Half of my repayment is interest, and this, I feel, is exploitative. Sallie Mae can not carry on like this. I make regular on-time payments, and I demand a lower interest level.
Debt is from XX/XX/XXXX and I never received anything at all from anyone about this debt. They just put it on my report XX/XX/XXXX. They also kept on telling me that the debt stays on my report for XXXX years from when they placed it which is false information. When I told them they could not do that, they told me they could and would. I do n't even know what this is for. The dates are incorrect. I only had XXXX visit to the hospital XX/XX/XXXX and bills should have been covered by insurance 100 percent and these I just became aware of now from viewing my report. They were also rude and starting commenting on my personal life which they have no right to do or know anything about.