WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2015 I took out a title loan with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX Tn for {$2500.00}. It was not explained that the monthly payment of over {$500.00} was not paying back my loan. This is the interest that they charged for the loan!! I feel the loan should be explained to where you understand how much your payments are going to be. I have paid several payments on my account and it does not seem to go toward the loan itself. I have received multiple collection calls daily several times a day wanting money I can not afford to keep paying toward a balance that does n't seem to be lowering. I feel I have been taken advantage of and that the title loan place was only wanting my truck. They set you up for failure by charging such high interest. The loan place also gave out my information to a family member even after I ask them plainly not to discuss my loan with anyone.
Currently disputing information with all XXXX credit agencies, dispute is with lender and information they are reporting to the credit agencies. 

XXXX XXXX XXXX XXXX XXXX, HI XXXXLast XXXX SS # XXXX ( XXXX ) XXXXXXXXDOB : XXXX/XXXX/XXXXI would like to formally dispute the following on my credit report : XXXX XXXX Ending : XXXXOpened : XXXX/XXXX/XXXXType : Mortgage LoanLoan # XXXXProperty Address : XXXX XXXX XXXX, XXXX, NV XXXXMailing Address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXXItems in dispute:1. Balance {$180000.00} : This is not correct. The loan balance has been paid in full effective XXXX/XXXX/XXXX. Please refer to the documents " Payoff Statement '' and " Wire Verification '' which show the amount the lender required to settle the balance on the account in the amount of {$190000.00} and the amount paid with by a wire transfer in the amount of {$190000.00} from XXXX XXXX XXXX. Please contact XXXX XXXX with XXXX XXXX XXXX for additional information regarding the transfer or payoff statement. ( XXXX ) XXXX or ( XXXX ) XXXX. 
2. Past Due Amount {$13000.00} : As mentioned above, the loan balance has been paid in full. 
3. Delinquent Payments : This information is not correct. Per an email sent to me on XXXX/XXXX/XXXX by XXXX XXXX, a Loss Mitigation Processor with Dovenmuehle Mortgage, a hold was supposed to be placed on all credit reporting activity until a decision was made regarding my request for a short sale and loan modification. I never received written or verbal notification indicating whether or not a decision was made regarding the request for a short sale. Delinquent payments were not supposed to be reported to the credit bureaus until a decision was made to accept or decline the short sale offer, after which I would then be given an opportunity to pay any delinquent payments before reporting to the credit bureaus. Since full payment of the outstanding loan balance was received prior to the lender making a decision whether or not to accept the short sale, no delinquent payments should have been reported to the credit bureaus. Please refer to the enclosed emails. 
4. Foreclosure initiated/started : This is not correct. A formal notice of default was never filed with the XXXX XXXX XXXX Office in the State of Nevada which is required to initiate any foreclosure proceedings within the State of Nevada. Please refer to the document titled " XXXX XXXX XXXX XXXX XXXX. ''
hi i have tryed to contact transunion about the the error on my report on the inquiries that are on the report due to them having a system error there are XXXX XXXX that are on the report in error Credit Inquiries 1. XXXX XXXX XXXX dated XXXX-2017 2 .XXXX XXXX dated XXXX-2017 3. XXXX dated XXXX-2017 4. XXXX dated XXXX-2017 5. XXXX XXXX the inquires listed are in error and or not authorized i have call all the creditor, s that made the inquires but none will work with me to take off the information transunion is telling consumers to call and or write letters to the creditors to have them remove the inquires and i talked with the creditors in this case and sent them letters and they will not cooperate the creditors do not keep the records on the inquires on file they said so i asked the transunion to remove the inquries and or do a investigation and they refused to cooperate with me as well so i am asking please to have this issue fixed and have them removed by transunion do to there error on the transunion system and fix them on my report because the creditor, s will not cooperate as well as transunion thank you
On XX/XX/XXXX, I sold XXXX BTC with my account with Coinbase. Per their confirmation email, I was to receive {$1100.00} USD in my bank account no later than Thursday, XX/XX/XXXX. I did not receive the deposit.
On XX/XX/XXXX, I submitted an online support ticket asking where the deposit was. I have received no response.
On XX/XX/XXXX, I sent an email to Coinbase support asking where the deposit was. I have received an email thanking me for submitting my request, but have not received any additional response.
On XX/XX/XXXX, I sent a direct message to Coinbase Support via XXXX. I have not received a response. 
On XX/XX/XXXX, I sent a direct message to Coinbase Support via XXXX. I have not received a response. On XX/XX/XXXX, I sent a direct message to Coinbase Support via XXXX. I have not received a response. On XX/XX/XXXX, I sent a public " XXXX  '' to Coinbase CEO XXXX XXXX. I have not received a response. On XX/XX/XXXX, I called Coinbase 's only advertised phone number, which is their Fraud Prevention line. I left a message and have not received a response. I know my bank account is able to receive deposits from Coinbase because I have received other deposits, including one since the sale on XX/XX/XXXX. On XX/XX/XXXX, I initiated the sale of all other crypto-currency Coinbase was holding for me and I received that deposit on XX/XX/XXXX.
The money was supposed to be in my account on XX/XX/XXXX at the latest. It has been 8 business days since the sale and 5 business days since I was due to receive the money. Where is the money? Where is the customer service? At this point, I am considering this to be fraud. Please advise.
I pay a biannual fee to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. The resort sent out their maintenance fee two months before the year is finish with demand for payment by XX/XX/XXXX. When I purchase the resort ( under duress-after being there for over 6 hours ), which is paid in full, I specially told the sales representative I can make all payments by the XX/XX/XXXXof the month. I was told no problem. No Im being harassed & threatened. I requested a payment plan. I was charged {$25.00} for late fee ; additional {$25.00} for taxes ( none of the other owners were charged this additional tax fee ) & {$5.00} for Voluntary XXXX fee ( never agreed to, which is forced on every timeshare holder whether they like it or not ). I made arrangements to pay the maintenance fee. After paying {$310.00} & disputing the {$25.00} additional tax fee ( which is my right ), XXXX sent my account to collection to Continental Central Credit, XXXX XXXX XX/XX/XXXXXXXX XXXX, XXXX, XXXX, XXXX or XXXX XXXX XXXX XXXX, XXXX XXXX. This company try to financially XXXX me ( maintenance fee : {$790.00}, interest : {$8.00} ; collection fee : {$260.00} for a total of {$1000.00} overcharge of over {$600.00}. I called them at XXXX & XXXX & spoke with XXXX who said she would get back to me. I emailed XXXX who told me to contact Continental Central Credit INC. In the meantime, Im not able to utilize the facility even though its paid in full. The contract according to XXXX said the fees can go down but it keeps going up without service
I have been trying to get Nelnet to properly update my loan to reflect my changed income. I have been trying to get this resolved since XX/XX/XXXX. I have spoken not only to various representatives but a supervisor and the solutions center. Instead of resolving the issue they keep asking for the same info I have already sent which I resend anyway. In addition, they have had me capitalize the interest due to their errors. I have not been able to get consistent answers. This has been a problem for 3 years now.
I have  XXXX   XXXX   XXXX  accounts reporting on my Experian,  XXXX  and  XXXX  reports. One ends in  XXXX  and the other ends in  XXXX . Over the past year, I have disputed the validity of these accounts multiple times. These disputes should be available in your database. Each time I 'd submit the dispute, I received some silly letter from  XXXX   XXXX  saying, " We received your dispute, but most of the time when we receive disputes, they 're either the result of an error or other mistake, so we are n't taking your dispute seriously. '' Finally in  XXXX   XXXX , I was able to get  XXXX   XXXX  to investigate the accounts.     FCRA states that when an account is in dispute, the lender  MAY  NOT report the account as delinquent or demand that the amount owed be paid until the lender completes its investigation into the matter. If the lender determines the balance owed to be legitimately owed, the lender must give the customer sufficient time -- usually 30 days -- to make payment on the amount owed. Even though I disputed these accounts countless times,  XXXX   XXXX  continued to report them as delinquent. When  XXXX   XXXX  received my dispute and actually paid attention to it, they still continued to report my accounts as delinquent despite the fact that the entire amount owed was in dispute. On account  XXXX ,  XXXX   XXXX  reported a 30 day delinquency in  XXXX   XXXX ,  XXXX   XXXX , and 60 days delinquent in  XXXX   XXXX , 90 days delinquent in  XXXX   XXXX  and then 30 days delinquent in  XXXX   XXXX . On account  XXXX ,  XXXX   XXXX  reported a 30 day delinquency in  XXXX   XXXX  -- again, the time of the dispute. These were the times I was disputing this account with  XXXX   XXXX . As soon as  XXXX   XXXX  informed me of the legitimacy of the account/charges, I promptly paid the account.     I have contacted  XXXX   XXXX  about this, explained that they were not to have reported my accounts as delinquent while they were in dispute, but they refuse to make the correction to my credit report. By refusing to correct this,  XXXX   XXXX  is violating the provisions of the FCRA. My final recourse is to ask  Experian ,   XXXX   and  XXXX  to make these corrections.
ALPINE CREDIT INC on behalf of XXXX XXXX MD put a {$38.00} collection account on my credit they are claiming to be my wife 's. One that I know I never co-signed on, yet they are reporting it as such. When I call to have them correct the issue they become combative, wrongly tell me this is Colorado State Law and hang up on me.
The account that is being reported on my credit reports are a result of identity theft Discover Financial Services is claiming that I owe {$4700.00} as of XX/XX/2019. I previously sent them documentation that included an approved police report and an FTC report showing that this was a result of identity theft.
XXXX 2017 Equifax data breach - my information was accessed without my permission.
I have a student loan with Navient. I requested my accountt be placed in forebearence or deferment I forgot which XXXX. I always stay on top of my student loans as they always remind me when its going into repayment. Out of no where they placed this account with negative remarks on my credit after I just brought my credit score up. I immediately called them and informed them that this is their mistake and it should have been in non-repayment status. They agreed to fix it. they put it back in good standing but not after damage was done. They are still on my credit with negative remarks and I want to know what can be done because this was not my error and I worked all year round to fix my credit for their " error '' to knock it down over XXXX points ''. Something needs to be done please help.
I suffered a job loss XX/XX/XXXX. I have been a loyal cardholder of Citi for 20 yrs and opted in for their Credit Protector program for XXXX credit cards with Citi and had been paying this for over 4 years. I submitted a monthly form to utililize their Job Loss benefit which covered just my monthly payment every month. In the current terms it stated after 24 months the company would cancel my balance if continued job loss occurred. When my 24 months passed, I got a letter indicating I do not qualify any more as their change in terms for the program upgraded XX/XX/XXXX so I will not be applied the benefit after 24 months. This was devastating as I clearly could not continue making the monthly payments as unemployed. This is complete fraud and a scam to those in need of the benefits they advertise and offer.I called several times to verify this and spoke with supervisors who were unhelpful and a total disregard of my situation. After being a loyal cardholder for 20 years, they offered no assistance or consideration. I did not know who to report this to of if it is even legal to remove services or change services and mislead you into believing the customer is at fault! I would like to report this as Im sure several other cardholders fell into this trap as well.
On XX/XX/18 I was set to settle on my home. Chase Bank ( Short Sale Bank ) did not send final disclosures until XXXX this morning. The Short Sale Bank found seller short in payments by {$850.00}. The seller stated they could not pay this at this time since they were never told it was owed. Short Sale Bank came back to the buyer and not only included {$850.00} into new closing disclosure, but attempted to decrease seller assist ( promised in contract, which took over 9 weeks to get signed by bank ) by {$1400.00} on top of {$850.00}. The bank is terrible to reach, does not correspond within a reasonable amount of time, and is committing fraud by going against a signed contract.The Short Sale Bank ( Chase ) was asked for weeks to send their part of disclosure for costs and should not have waited until date of settlement. Buyer has already arranged for appliances to be delivered, painter to come in, and rented a moving truck. You can not expect the buyer to pay almost {$2000.00} more than what was promised the day of settlement and breach the contract.
I paid my XXXX bills always on time and closed the account in good standings and even verified that with a XXXX rep. I was sent to some collections agency and never told why. I have my last bill and even proved to them I do not owe this debt. They have been unresponsive to both myself and the lawyers I hired. They will not stop reporting this and it 's hurting me.
I looked at my bank account statement and I saw that I was charged XXXX from a company called XXXX. I have never heard of this company! I do n't remember writing a check to them. I did not write a check to them. I have called the bank and they will open me a new account soon ( 5-7days ).
I recently saw that my credit score had been downgraded on Experian based on XXXX releasing this information to Experian. I spoke to a Experian agent XXXX XXXX XXXX on XXXX XXXX and the course of action recommended was to complain to XXXX and Consumer Protection. 
The history of this in fact is as follows ... 
The dispute on the amount of payment has been going on since XX/XX/XXXX 2015. I have evidence when I have repeatedly reached out to XXXX via social media, contacted XXXX via phone to settle the account. 
I even supplied evidence of the disputed account to XXXX collection agency on XXXX XXXX. Then supplied evidence of dispute to XXXX collection agency on XXXX XXXX. Agreeing to pay what I considered a fair amount for services used. 
The most recent encounter was again me contacting XXXX XXXX to settle the account, only to be told that this was with the collection agency. The account has since been settle and closed. XXXX XXXX XXXX 2015 with XXXX XXXX of New Jersey XXXX. 
The question is, that this account has been in dispute since XX/XX/XXXX, there was no action from XXXX, till i called them to settle the account in XXXX, after which it was promptly reported to the Credit agency. This is unfair and I am being penalized for trying to do the right thing.
I have had several issues with RUI Credit Services related to what they claim is a cable bill not paid. They began calling me XXXX/XXXX/XXXX, and leaving voice messages that did n't contain any information. They continued to call either every day or every other day after this point. I never received any written notification of any debt owed and I contest that I do not owe any debt to anyone. At first I did n't respond, because I did n't even know if they were legitimate or a con artist. When I did respond they claimed that I owed {$100.00} for failing to return a rented modem from XXXX. The modem was bought, not rented. I told them I would clear this up with XXXX, which I did, however, they continued to call and harass me about a debt I did not owe. They finally sent a written notice marked XXXX XXXX, XXXX, almost 2 months after the harassing phone calls began. They have artificially inflated the debt to {$180.00} which seems an arbitrary number they chose. I am currently writing to them to contest my claim, but due to the harassing measures they have already taken, I am not sure that they will comply with regulations and cease and desist. I have read the Fair Debt Collections Act and I count numerous violations : Harassing phone calls, failure to send a written notice of amount owed within 5 days of phone calls, arbitrary inflation of the alleged debt from the first phone call to the written notification. 

I have phone records of their calls and a copy of the written notice. This should prove that they did not comply with the 5 day limit of sending written notice from the first phone contact. I can also provide a list of the times that they called, establishing a pattern of harassment.
XX/XX/2018 XXXX XXXX XXXX sent me a letter saying that a bill was resolved. It was a fraudulent bill that took about 5 years to contest. I had felt relief about the bill being erased until I saw on XXXX XXXX that they still say it is owed. I called them. A CSR said that one debt was erased but a new debt wasn't disclosed to me before. I was like " how is it possible that the new debt is exactly the same amount as the debt that was erased? It seems totally impossible and I never heard of this '' He said " It must be fraud or identity theft ''. It's about {$300.00}. The debt erased was about {$300.00}. It is a new debt that I never heard of from a company that was forced to erase the original debt. This is outrageous. 

I can see that they can erase one and just make a new debt up out of thin air. The new debt just replaced the old one like it was nothing. This is their address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX
I have written the 3 credit bureaus about the information that is contain into my credit report. I have been writing letters back and forth for a while now concerning the alleged student loans that has been inserted into my credit report. I have also provided a police report, I have also written the XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX all of whom I am finding out that continues to past the baton to the next entity. I have asked for a record of account ( s ) so that I am able to see where this allege loan ( s ) went. All I have receive from XXXX XXXX XXXX, XXXX was a bill. There has not been any original documents which is signed in wet ink by me. 
The time frame was during XXXX. 
I have asked that this information be deleted from my credit file. The bureau ( s ) XXXX   and TransUnion have Deleted the information, then every 30 days or so after the dispute re-age the information which continues to affect my credit score. Information that is presented on the application is incorrect. Loans are being transferred and sold from one lender to the next. I have been following cases where XXXX XXXX, XXXX has been sued in court. I have also done my research that many of these students are insured by surety bonds, and the loans has been paid through the surety bonds and then the schools loan providers violates potential students. 

I have asked XXXX and Transunion not to put disputed items into my records, I have asked the bureaus to send me the contact person who was supposed validated the information that I have request without going to the data storehouse such as XXXX XXXX, XXXX. This is not properly following the law. The Student Loan providers are extorting money from people in general because if a loan has been defaulted, the lender takes out what is known as a surety bond that covers the loan. This is how loans are being then past or transferred over to another lender, then the lender comes after the supposedly student, and finally continue to report derogatory information on a individual credit report. This is damaging peoples credit.
Once again they have incorrect information [ report XXXX ] even though we submitted through your agency. All you did was take their reply and close the file. How many times do we need to repeat the process until the report is correct? This is causing us severe financial impact. Attempts to correct on line failed since they provided incorrect validation information. Attempts to call by phone failed as usual- 1- My name XXXX XXXX it is NOT XXXX XXXX XXXX XXXX XXXX. 2- XXXX XXXX XXXX is not ours. and not a savings plan. It was a retail purchase paid to XXXX balance months ago! Basically all debts paid down and still a miserable score and incorrect reporting! Same issue with numerous inquiries, missing Security hold but they have a " State Legislation '' hold on the account- remarkable. XXXX XXXX  XXXX XXXX mortgage since XXXX  2017
My wife and first attempted to receive our free annual credit report via the Internet with not success. We then submitted the required request form provided by XXXX, by mail. Our request was denied for : Proof of current mailing address. We then provided a new request form with proof of current mailing address and again denied. We after words applied for credit to purchase a vehicle and was denied for credit reasons. The incident occurred with all XXXX credit bureaus.
Oracle financial threatened they 'd come to my work. That they knew where I lived. Knew who lived in my home. Knew my social security number, drivers license and birthdate. Said I borrowed money and did not pay it back. That they were a XXXX dollar company and I owed them money. I needed to pay or they were going to my county and file papers against me. They had my middle name wrong. They had previous address wrong and wrong drivers license number. Yet they demanded I pay them. Called 5 times leaving threatening messages. Phone number XXXX. Investigator XXXX XXXX. XXXX. Legal official will deliver document. XXXX XXXX senior liaison at Oracle. XXXX ext XXXX.
We had a home mortgage through  XXXX   XXXX  that allowed us to pay the loan off a head of time without penalty. We put additional money to the payment to have the loan paid off in  XXXX  instead of  XXXX . At the end of  XXXX   XXXX  sold our mortgage load to a company calle d Select Portfolio Servicing , Inc  out of  XXXX   XXXX   XXXX , Utah. In the letter  XXXX  said Nothing about our mortgage load will change.     We sent our first payment t o SPS, Inc o n  XXXX   XXXX . A little while later we check and saw the the check had been cashed. They never sent us a statement on how the money was disbursed. After contacting  SPS  customer service, they sent us the breakdown. The total payment was being held in a thing called unapplied payments because our account was paid up to date until  XXXX  of  XXXX . Upon talkin g to SPS as to w hy, they said they are reviewing it. All we want is the same procedure that  XXXX  was doing with are payments.   Ta king out Principle, Interest, and the add itional principle that we send monthly.     We set up online payments with this company and was told we did it properly. but on  XXXX   XXXX  we tried to do our payment online and was told we were ineligible.   Called SPS back the account is still under review. It just seems like we ca n't get a straight answer.
I entered a settlement with XXXX XXXX. However, the credit bureaus are not updating the account to report it correctly. They are reporting a charge off when it is not a charge off. It is a settlement.