WillisBack/dataset-financial-user-claim huggingface dataset:
I had a FICO score of XXXX. I have 2 credit cards, XXXX XXXX  and XXXX XXXX. I read on line with Experian credit agency that it is best to pay off my credit cards every month. I did print this info from Experian. Now in XX/XX/XXXX. I had a Fico score of XXXX. My credit card people sent to Experian a " snapshot '' of my credit card balance. I followed the rules of Experian that I read and paid off both of my credit cards, sometimes I make several payments to my credit cards to make a good credit score and to avoid finance charges. On XX/XX/XXXX. Experian notified me of a loss of 16 Fico points due to I had no balance on my cards. They subtracted 16 Fico points which dropped me down to XXXX. I called Experian customer service to explain to them that I have proof that I DID USE my credit cards. Experian was extremely rude and basically laughed at me. I called to XXXX XXXX to issue another " snapshot '' ( that`s what they called it ) on XX/XX/XXXX, of my account balance at that time which was {$130.00} to Experian. Experian REFUSED to give me back my lost 16 Fico points and now they taking revenge out on me cause I proved them wrong. Experian did an update again on XXXX and on XX/XX/XXXX and still refused to give me back my Fico points. I have read that Experian is NOT the best people to deal with in these situations. Also, Experian in my profile with them, it states " FEW ACCOUNTS PAID ON TIME ''. I have NEVER BEEN LATE ON ANY MY CREDIT CARDS OR ANY BILLS. I was turned down by 2 visa credit cards due to their errors which they refuse to fix. I asked them where can I get a copy of their " rules or laws '' stating how many Fico points to added when a good credit review. Right after I received these 2 credit card, I applied for 2 other VISA credit cards but were turned down due to Experian errors they put in my report. Now I have 4 inquires on my credit report and Experian has subtract Fico points from me back in XX/XX/XXXX, when I never got those 2 Visa credit card due to their fault. Thank you for any help to get this worked out.
For no reason, Capital One restricted/ closed my account without any notice or reason why. I've been a loyal customer for many years always paying my account on time and keeping a low balance. I've never disputed and issues on my card so I don't understand why they could say my card is possible fraud. That is not true. I am the owner of this account and I have for many years. I pride myself on my good credit and payment history. They also requested that supply IDs and social security cards for my authorized users. I don't understand why, I'm paying the bill monthly, most of the time in full.
This is a continuation of the issue as detailed in complaint # XXXX.

After requesting a debt verification in a physical letter on XX/XX/XXXX, I received a phone call from someone claiming to be a representative of IQ Data International also operating as XXXX saying that they were aware of my request to verify the debt, and that they had attempted to collect a debt after the dispute was received, and they knew it to be already paid before any attempt to collect.

The representative promised to send a written response to my debt verification indicating that they had acted improperly and in error, and that the case had been closed.

To date I have not received a verification of the debt or the written response that was promised despite the deadline having passed.

IQ Data/XXXX is now refusing to respond to my communications.
NELNET marked me 90 days late on XXXX different loans when this was an error on their end. I even spoke to them and they put my account current. I need the 90 days late removed from the following accounts as this is hurting my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Hospital was first denied payment from insurance without more information. Information was supplied to insurance company and insurance paid debt in full. Notice was sent to incorrect address for court fillings against me for this debt and I did not know about the attempt to collect the debt until the garnishment was given to me through work. I was able to stop the garnishment by showing proof the debt was paid by the insurance, but the company has not reported or removed to the credit bureaus this has been satisfied and no longer owed,
In my Transunion credit report there is an item about an collection account owned by XXXX. I do not own such an account.
I went bankrupt because I lost two jobs that sustained my family. and they discharged me from bankruptcy. I had informed the company that I could not continue with them, but they did not want to stop the process. 
{$150.00} for RA renewal 1 year
I noticed the company Clarity Services INC on my XXXX and XXXX reports on several different occasions that I had know knowledge of. Dates XX/XX/2015, XX/XX/2015,XX/XX/2015 all advise XXXX. I called XXXX and they were unaware of and had no record of requesting a credit check for me. Clarity Service INC would not provide valid proof that these inquires were authorized instead they want me to provide them with all my info instead of providing me the requested documentation that gave them authority to pull my credit.
I do believe in early   XXXX  , I do n't have the exact dates, but a payment was made in full to  Capital One  ( and they will have record of i t )  and 3 days later they returned the payment to the bank. No exclamation was provided to me. In those 3 days, I was under the impression my card was paid and paid some bills {$300.00}  ).  Needless to know now I have more to pay on it. Approximately  2  weeks later, another payment was made PAID IN FULL and Capital One decided to sent that payment back to the bank after 10 days. I contacted them and asked why or how could they could just send a already made payment back not once but twice? They gave me the runaround and I did n't get a single answer. And to top it off, they have put financial and late charges onto a bill I have paid twice.     I feel like I was a victim of identity theft, and someone out there took my funds both times. I have never received any monies back fro both payments either.
I use their user interface trading platform, and am in compliance with all of their terms of service. Yesterday, unexpectedly and without notice, I was denied access to my account when has quite a large sum of money. After noticing the problem I immediately phoned the support number given was was only told that they acknowledge my problem, apologized, and said someone would contact me shortly. After waiting for my issue to be resolved, I phoned the support line again, spoke with a supervisor who stated that I must wait on a " specialist '' to resolve my issue. Since then, customer report has been unresponsive to my attempts to contact them. I am at risk of losing a considerable amount of money due to the misfeasance by this company and have been robbed of the control over my funds and assets. For the company 's reference, by original Case ID # is XXXX.
I have already spoken to a PayPal Credit representative and informing them that payment would be made on XX/XX/XXXX2019 ; therefore I should not continue to be harassed regarding payment. Because I did not allow them to schedule the payment via their system I have been called incessantly for days and told two other  reps that I have already spoken to a Paypal rep who was supposed to have notated that I would make payment on XX/XX/XXXX ... yet the calls persist. If this continues my next step is to contact my lawyer to seek legal remedy.
I have been 30 days late a few times on my walmart credit card ( Through synchrony bank ) and I have phone records where the have called me 6-7 times a day ( including sundays ) for days upon days. I have told them to stop as it was a violation of law and have been hung up on.
I was on income driven repayment. After being on it for a couple years they said they required my actual bank statements and bills to enroll me in another year. I refused since I didnt feel comfortable. They told me I couldnt stay in the plan and my payments would increase. I said I couldnt afford it and wanted to work something else out. They wouldnt work with me no matter how many scenarios I suggested. They told me to cash out my XXXX or for my parents to take out a 2nd mortgage, which is super inappropriate. Ive been trying over the last few years to work something out. Several months ago they sent me an offer that was pretty close to what I could afford via mail. I called the number with no answer. I left several messages that went unanswered. My loans got sold to another company. Theyve called my work and harassed me. I never gave them that number not permission to reach me there. They XXXX me and found it that way. I stated my office number was not public and they didnt have permission yet they called again ( instead of my cell I gave them ) and I got in trouble at work. I told them to call my cell or email and they still didnt. Ive emailed them several times to try and work out the same deal I was given by the previous company. They refuse to answer me and have dinged my credit and are not willing to work with me. Please help. I have a XXXX illness but am not so disabled that I receive disability. This situation is exacerbating my illness and making me feel like theres no end in sight nor anyone willing to help
On XX/XX/2011, my home at XXXX XXXX XXXX, XXXX, XXXX  was destroyed by a tornado. On that home I had a Wells Fargo mortgage and a Wells Fargo equity line of credit. My home insurance company paid off the mortgage, but not the equity line. I continued to pay on the equity line. 

Last week I applied for a mortgage with Wells Fargo on my new home at XXXX XXXX XXXX, XXXX, XXXX XXXX. The loan officer told me that the equity line had to to resolved first. He initiated a " research ticket '' on the equity line due to the confusion over why the equity line was not paid by XXXX ( my home insurance in XXXX ) when the company paid off the mortgage. 

Because the Wells Fargo loan officer has not responded to my questions of last Friday, I grow increasingly concerned that my interests in this matter be protected. The equity line should have been paid by XXXX ; it wasn't. Why not? And am I just the " XXXX XXXX '' in this situation, waiting to have whatever done to me by XXXX and Wells Fargo? What are my rights in this particular situation? 

Wells Fargo Line of Credit Account # XXXX Wells Fargo Research Reference ( on Account # XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX
I have been unable to use my rush card for 5 days. I get my paycheck deposited to my card and I have been without money for over a week. They keep lying and telling me that it will be fixed by the end of day. They have lied over and over again
I have disputed the amounts of XXXX XXXX/ XXXX XXXX/ and XXXX from Equifax and three amounts of XXXX. I requested both agencies to Validate this debt as I have no clue what these amounts are for. I sent letters to all involved - not one response PDQ -XXXX I sent letters twice both came back undeliverable.This is how I know validation was n't done If so you would have provided proof of this debt.I am being hurt financially and mentally because of your inaccurate reporting.
I retrieved a copy of my credit report on XX/XX/XXXX. I noticed that Debt Recovery Solutions , LLC had inserted 2 entries on my credit reports and failed to notify me that they were attempted to collect a debt. To that end, I sent them a dispute letter dated XX/XX/XXXX whereby I asked them to provide validation and not verification of the debt as well as any correspondence they allegedly sent. 

Debt Recovery responded by sending 2 bills that reflect the procedure for services allegedly provided to me. Upon receipt of this correspondence, I sent them a second dispute responding to their lack of validation of the debt. In my letter dated, XX/XX/XXXX, I requested that they provide a copy of the financial responsibility page as well as any documentation to reflect where I granted XXXX XXXX XXXX   permission to share confidential information for any services they allegedly provided. This is a direct violation of my privacy rights. Since this company has blatantly violated my consumer rights by not informing/notifying me of any alleged debt they were attempting to collect on my behalf and did not allow me the 30 days I am due by law to dispute the validity of their claim and also by reporting information on my credit report that they were not able to validate nor furnish the financial responsibility page or any documentation that bore my original signature. 

DELETE THESE ENTRIES IMMEDIATELY FROM MY CREDIT REPORTS!!
My loans have been in deferment because I am in school. This semester is the first that I am not a full time student. I received an email at XXXX this morning ( XX/XX/XXXX ) from my loan servicer that I had a new billing statement. The billing statement was dated XX/XX/XXXX and stated that I owed over {$1200.00} and that it was due on XX/XX/XXXX, which means that I am delinquent without ever having had a chance to pay the bill. 

When I contacted the loan servicer today, they could not explain why this had happened nor did they suggest a solution to the delinquent payment. The supervisor I spoke to essentially told me to sign up for an Income Driven Repayment program and that if approved, they would " forgive '' the delinquency. No other solutions were offered.
My identity was stolen 5 years ago, and since then has been used to open up a number of wireless accounts, credit accounts, and bank accounts. I have worked extensively with other bureaus to clean up my reports but Equifax will not remove these items. 

They have been given the FTC identity theft report, and the police report but these items have remained on my report incorrectly for month. I have filed repeated with success. The remaining unauthorized revolving/collection accounts are : XXXX XXXX/XXXX XXXX XXXX XXXX ( A previously removed account was sold to them ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Who already sent a letter confirming fraud ) XXXX XXXX ( another account for some reason ) The following unauthorized inquiries were also included : XXXX XXXX XXXX XXXX ( I have never had an account ) XXXX XXXX ( Never had an account ) XXXX ( I have never had an account ) XXXX XXXX XXXX ( Never had an account or heard of them ) XXXX  ( Never had an account ) XXXX/XXXX ( Never had an account ) XXXX ( this account was confirmed fraud by them ) XXXX ( this account was confirmed fraud by them )
my mortgage went into mediation ( foeclosure ) through the court and was deemed to give a loan modification. The bank, Ditech, still has not given me one. It was due XXXX XXXX. that was pushed to XXXX XXXX, and here is, XXXX XXXX, still no loan modification. Ditech still blows up my phone, but what, wont contact my lawyer? I do n't respond to these phone calls. Ditech also tried bypassing my lawyer by sending me a false loan modification without my lawyer viewing it first. Plus back escrow $ $ are still incorrect.
My husband died on XX/XX/2017. I called Navient and talked to a very nice young man who gave me a deferment until XX/XX/XXXX and said I should complete the Income Based Reduction forms to lower my payment. I did as he asked and my payment went up {$57.00} to {$650.00} and change. I called and talked to XXXX. She said I had no options. I said I have paid every payment for 10 years and all I was asking was for four months of no payments so I could figure out my finances. Her direct quote was " You need to prioritize your finances '' I asked for a supervisor and I waited forever and finally hung up. I contacted Navient by email and received forms back with condolences and that over the years I had used up my deferments and forbearances and if I tried to get an income sensitive there is no guarantee that my payment would go up even more. I bring home {$XXXX} every two weeks after taxes, insurance, union dues, etc. But my gross is XXXX which is what they are going by All I was asking for was four months. It is disgusting that they could n't see their way to do that. I did was I was asked to do by XXXX and was punished for compiling.
I sent a notice to verify these debts in accordance with 15 USC 1692g. The original dispute letter detailed the type of verification requested. 

In response they only sent a computer generated print-out of the amounts they claimed are due, which may or may not be accurate. Addresses, phone numbers and dates of services rendered with the original creditors were not furnished. They did not provide me with any documentation showing I agreed to pay the original creditor or a bill showing services rendered. Furthermore, they have failed to provide any proof of an executed credit contract proving my liability on the amounts claimed in this summary.
I am having difficulty getting Bank of America to move forward with an approved short sale and would like to file a complaint. House was put up for short sale and we received an offer of {$390000.00} and submitted to the lender on XXXX/XXXX/2015. Received an FHA Approval to Participate dated XXXX/XXXX/2015. It calls for a list price of {$380000.00} and a minimum net proceed amount of {$330000.00}. Current net to lender is $ XXXX, which is {$27000.00} more than what the lender requires. The attorney we have hired to handle the short sale has been calling and e-mailing the lender daily for the past three weeks and the responses have been sporadic at best. Messages left for supervisors at Bank of America do not get returned. We feel as though the lender delay is a result of bad faith negotiation on their part.
Hi, Company Name : Paypal Dispute transaction date : XX/XX/XXXX in the amount of {$500.00} ( Fraud transaction ) Dispute filed : XX/XX/XXXXDispute ID : XXXX Dispute description : Unauthorised transaction Initial decision from Paypal received on XX/XX/XXXX was to deny my claim After that I appealed to Paypal fraud specialist on XX/XX/XXXX, and I got this message : " Hello XXXX XXXX, We recently received your appeal for an unauthorized case that was denied. We 'll get back to you with our findings within 9 days. '' Its been more than 75 days and I have n't received any update or Credit of {$500.00} During this time, I have contacted them twice and both times they have told me that the case is still under review and will be expedited. 

Nothing is happening. 
Paypal should immediately credit {$500.00} to my account. 

Thanks XXXX XXXX
On XXXX/XXXX/XXXX our trial period for our loan modification with XXXX XXXX XXXX began. Our loan modification was approved and officially began as of XXXX/XXXX/XXXX. The terms of the modification include a HAMP Modification Incentive called " Pay for Performance ''. For every month that we make our payments on time we are able to accrue up to {$1000.00} each year for each of the first five years after the anniversary of the month in which the trial period payment effective date occurred. We are able to accrue up to a total of {$5000.00} provided the loan has not been paid in full at the time the incentive is paid. This benefit is to be applied to our principal balance each year after the anniversary date of the first trial period payment due date which is XXXX XXXX, XXXX. We have not had a late payment since our modification began and have been receiving our Pay for Performance incentive each year until this year. 

In XXXX XXXX Nationstar Mortgage purchased our loan from XXXX who purchased it from XXXX XXXX XXXX in XXXX of XXXX. Despite my calls to Nationstar ; XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX, our Pay for Performance incentive has not been paid. 
I was told verbally via a phone call from XXXX @ Nationstar that my complaint is currently being researched and I will have resolution by XXXX/XXXX/XXXX. I also received a letter, ref # XXXX, from XXXX XXXX, customer relations specialist, stating I will have resolution by XXXX/XXXX/XXXX. To date there has been no resolution. 

I received a letter from XXXX just prior to them selling our loan to Nationstar announcing a new HAMP Modification Incentive that will apply an additional {$5000.00} to our loan balance on the sixth anniversary of the trial plan effective date that will be XXXX XXXX, XXXX. This is a much-needed incentive for us and I am hopeful all will be resolved by then. Included with the letter from XXXX was a Dodd Frank certification form to be signed by us. By the time we received it, Nationstar had become our loan servicer so we sent the form back to them along with the correspondence from XXXX. Apparently, the form triggered a loan modification application and we kept receiving calls regarding our modification application with Nationstar. After a couple months this was finally resolved but speaks to the incompetence of this company. Again I am afraid this incentive will be ignored just as the other has been. 

Nationstar 's blatant disregard for customers ' loan modifications is all over the Internet ( I was researching complaints to Nationstar ). It is my understanding that the HAMP modification is a federal program and lenders are required to abide by its terms. It took us a year and XXXX of hours of fighting XXXX XXXX XXXX to get our loan modification approved. This incentive is very important for our financial well-being and I hope this complaint will help to resolve this matter and Nationstar will comply with our loan modification terms. 
Loan # XXXX
My wife and I were looking to purchase a new home and submitted an application for pre-approval. When our Real Estate Agent advised me that I had some collections I needed to pay off, I was confused because I have never ever used my credit for anything ever. I have always paid cash for everything I have ever had or my wife puts everything in her name. I looked at the report and reviewed it and noticed that there were items that belong to my father, XXXX XXXX XXXX, reporting on my credit report. I submitted request on XX/XX/XXXX to XXXX, Experian, and XXXX to advise them that they were reporting my father 's credit collections on my credit report and asked them to remove them. All 3 credit bureaus indicated that they were completing an investigation. XXXX removed all of the items after their investigation, Experian removed only 2 of the 4 items, and XXXX removed 2 of the 4 items as well. I am scratching my head as to why Experian and XXXX only removed 2 items and not all 4 because none of them belong to me. I sent in a written request to Experian and XXXX on XX/XX/XXXX advising them again that they reporting was incorrect and violating my rights under the Fair Credit Reporting Act and also provided them with the finding of XXXX. I also requested that they send me copies of the information the claim to have received to verify that the collection items belonged to me because I knew that there was no investigation done that verified debts that do not belong to me as valid. They have stopped replying after my 2nd attempt.
A collection account was placed on my credit report in XX/XX/2017 by Midland funding. I was not aware of this account and had not received a dunning letter so I mailed a certified letter to midland on XX/XX/2017 requesting debt validation within 30 days. I have never done business with them and have also been a victim of identity theft in the past so I needed this account validated with proper legal documentation such as a signed contract, intimate detail or something identifying I was the owner of this account. After the expiration date a received XXXX copy of a front page bill with my name and address. I immediately responded to Midland advising the information provided does not validate this debt and they have 10 days to provide accurate legal documentation that this account belongs to me. I have yet to receive proper validation and this account should not be on my report.