WillisBack/dataset-financial-user-claim huggingface dataset:
On Equifax, XXXX, & XXXX, I sent Certified Mail Manila Envelope On XX/XX/2016 with all my dispute Information with the creditors reporting my negative credit history to be remove it has been over 6 months, and they have not acted on this documentation to remove all my negative information thru my certified letters to each XXXX, Under The Fair Debt Collection Practices Act .They are breaking the law. They want me to start new disputes. Which is unnecessary. Because of the certified mail envelopes sent to them proving these companies never responded to my letters by certified mail with in 30 days, never responded to me at all under the Law Of the Fair Debt Collections Practices Act. So I need all this negative information remove now, been six months no response. Only open new disputes. I am not going to resend & spend my time, and money, When they have all this proof & documentation from XX/XX/2016 that i have confirmation they receive all the documentation.Please help I need all this negative information remove again under the Fair debt collection practices act. Thank you, XXXX If need can supply you with my more personal info, and documentation sent to the By certified mail, I am applying for a mortgage very important Thank you
I applied on XXXX XXXX for my first credit card, a secured USAA card and was accepted for a card on the XXXX of that month. I paid the XXXX dollar deposit for the secured card and had problems verifying, which we resolved just fine - and I was told about a week after successful verification that my card was on the way ( XXXX XXXX ). It was also stated clearly in the email that this card would reach me in no less than 10 business days. I was excitedly waiting, but the card never arrived. I updated my shipping information and had the first one cancelled after 14 business days ( XXXX XXXX ) and another sent - I received a letter 2 days after this update saying my contact information was successfully changed, but still no card. I waited another 17 business days ( much longer than they proclaim it will take ) before calling and speaking to a rep named XXXX. She promised to expedite a card to me ( fees waived ) and that it would be here Thursday, which was yesterday. I checked the mail both today and yesterday, and received other mail, but still nothing from USAA. This is the 4th time I 've been expecting a card and not received one, but they did n't even have the time before this on record! I 'm livid ; I have been expecting this card for six and a half weeks! It 's been 40 business days and not a single card has reached me despite the letter I received to my address. Is there anything we can do about this? I lost money that could 've been used for so much other stuff and was broke in college just trying to get this card. I 've wasted so much time waiting for it.
We have been in touch with XXXX XXXX directly and also through your system. 
Our credit report shows two HELOC Payments late. Which is NOT Correct. 
Each month we pay our bills and are given a conformation number to prove our payment. XXXX XXXX takes another step and sends us a letter with another conformation number and our account information. We are still supposed to trust this. 
HOWEVER, We clearly have Conformation # XXXX for payment on XX/XX/XXXX for {$720.00}. Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. 
We have a documented conversation with XXXX XXXX Supervisor XXXX XXXX as well as her employee ID # XXXX. When we received a call that our HELOC was late, we were escalated to XXXX XXXX ( supervisor ) who explained to us that XXXX XXXX had NOT Processed the payment, through no fault of ours and that no late fees or late notice would be filed - It was purely a XXXX XXXX bank error. 

Second misreported late : We have Conformation # XXXX for payment on XX/XX/XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last four of our account number.

And a Note from my husband speaking with representative, same story, the told my husband that XXXX XXXX just did not process. We were contacted by XXXX XXXX saying they would look into it. 

XXXX XXXX told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank weasel out of taking off this MIS-Reporting because they reported the date THEY PROCESSED, which is after they noticed THEIR mistake. 
XXXX XXXX is KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. Please Help Us, XXXX & XXXX XXXX
I had an account with Fifth Third Bank. I had an alert sent to me on when a payment was due. I closed the account yet they continue to send me the alerts on the payment due. I have talked to multiple people at Fifth Third, spending hours on the phone, and asked them to stop these emails, and they have not stopped. The emails do NOT contain an unsubscribe option ( is n't that a violation of the CAN SPAMM act?? )
Hello, My name is  XXXX  & I have been asked by  XXXX   XXXX  to help him file this report against  Wells Fargo.    He had Personal Checking & Savings, Business Checking, Merchant,  Visa Credit Card & even Mortgage account with Wells Fargo fo r many years.     However, in the years roughly of   XXXX   till he closed his banking account w ith Wells Fargo.. He was Charge for transactions he did not make not to add, there  was dupplicate car d ( s ) us ed in another state.     I am trying to help him sort out statements he has.   Its a bit hard because all he can tell me with certainty is that after going to the branch numerous times and being told it was a computer mistake that it would adjust, it turned into, just ignore it and  XXXX  had very good credit and he could not ignore it and he paid these charges.     Since he was given a new card from time to time because he would go to the branch often & they kept the fraudulant card its hard for me like i was saying to figure out which account numbers of so many that he has many statements to.     He paid charges he did not make.   He was changed account number and made duplicate cards without his consent.   He was a victim of fraud and some time before closing out his accounts he was told in a branch near his business that he could sue within  6years.
Company called XXXX. Hi my name is XXXX XXXX. I received a letter saying i was approved for XXXX loan. So i call them and talking to them. They said i am approved for the loan but due to my credit they said i have to come up with {$320.00}. to give them first. So that what i did. They told me to XXXX store and purchess a mycash XXXX card and put money in there. So that what I did. Now they saying they could not put money in the my account it has to send thru XXXX XXXX for me to recieve. I said ok. They the money is sent but there other fee. I have pay {$420.00}. for fee for them to sent it thru XXXX XXXX. That wat i did. Now they saying there other fee. {$340.00} for the tracking number they gave me was only good in XXXX..To unlock the tracking for XXXX. Again the wat i did. Then they saying I to have pay other fee due to my credit have to pay soical sercurty for me to able to receive the money. I 'm very honest person and nice. I do n't know wat to do I am scared now. All these fee I never heard of and I really did believe them. Please help. Pleaqs
On XX/XX/2015, I recieved a collection notice of {$640.00} from XXXX in which I never had a account with. I contacted XXXX and found out that I didnt have a account under my name. I didnt know I had this account until I checked my credit recently.
I want to go to school to better my self and possible free my self from poverty but instead I end up trap in student loans with such high interest rates that are un-payable or I feel I will not be able to pay not in my natural life.
I have a current dispute with XXXX XXXX/Navient dispute # XXXX. The company has sent in a reply and the dispute is closed. The answer from the company is erroneous. They are now claiming that my son did not submit payments for 5 months claiming that his bank account information was incorrect and the account used to make payments did not exist " there was no bank account with the information XXXX submitted ''. It is rather odd that XXXX XXXX was undergoing a " name change '' due to the negative publicity it received for several years and changed the name to Navient with my son XXXX 's loaned serviced by the new company. At no time did my son change banking institutions. It was XXXX XXXX and Navient who erred in transporting the information to the new servitor Navient. Look at the timing of these errors during the period of change of XXXX XXXX as the servicing agent and Navient. Rather suspect and odd that it is so close in time when these errors where made. It is also rather odd Navient states that " as cosigner you are equally responsible for repaying the loan that you cosigned '' and you report " We confirmed that we spoke to you in XXXX and XXXX XXXX and advised you of the missed payments but you were not willing to make payments to bring the account current '' You also stated that payments made by XXXX during this period where no full but partial payments whay is that not explained in the investigation. I have the names dates and times I spoke on numerous occasions to both XXXX XXXX and Navient people. As for not paying the loan and being responsible I have attempted to pay the loan off but have been told I will not be able to get a letter so that I can take the tax advantage write off as a cosigner. Your employee states that it is law that only XXXX can receive this letter and take the tax write offs. If this is correct than how is it that you can effect my credit report as well as XXXX 's. It XXXX died would I be responsible I am XXXX and on Social Security XXXX. You ca n't get blood from a stone. Other than this negative credit report my credit is impeccable. Both XXXX XXXX and Navient are predatory loan companies that the federal government should put out of business. At no time should this ngative information been placed on my or XXXX 's credit report.
XXXX XXXX did n't explain the loans and did n't tell me about the loans being private. they also told me that I could pay {$25.00} and there was nothing that could be done to me which is wrong.
Hello I sent a debt validation letter to Capital One on XXXX XXXX 2017. They have not responded with any documentation with my original signature.
On XXXX/XXXX/2015 {$590.00} was taken from my checking account without my authorization at Wells Fargo Bank. When I called to see why the money was taken out, thy said they could n't give me any information, but it was for a product I purchased. I did not purchase any products for {$590.00}, nor did I authorize that amount to be withdrawn from my account. And they would not give me any details on this product that I supposedly purchased for {$590.00}. That was appalling to me! I had to close my checking account, because it was obviously comprised and I opened up a new checking account at Wells Fargo. I am furious that {$590.00} was taken from my account and never refunded and to this day- I still do n't know what product this was for!! Wells Fargo took money from my checking account without my consent and they only told me it was for a product I purchased, but I did NOT purchase any other products with Wells Fargo. Recently on the news, there was a scandal at Wells Fargo and it was around the time this money was taken from my account- I think I was scammed like thousands of other customers and I want to be refunded {$590.00} for the fake product that I never purchased.
I purchased {$5000.00} in eBay gift cards and use them for eBay purchases. 

However, the seller had refunded the purchases via Paypal. 
Paypal consecutively had closed my Paypal account without providing the cause. 

Since Paypal is an exclusive checkout method for eBay gift cards I effective forever blocked from redeeming my gift cards.
OTHER LOANS XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX/XXXX Reported : XX/XX/XXXX {$180.00} Closed UNIV OF XXXX Reported : XX/XX/XXXX {$410.00} Closed STUDENT LOANS DEPT OF ED/XXXX Reported : XX/XX/XXXX {$8100.00} In good standing DEPT OF ED/XXXX  Reported : XX/XX/XXXX {$5800.00} In good standing DEPT OF ED/XXXX Reported : XX/XX/XXXX {$3600.00} In good standing DEPT OF ED/XXXX Reported : XX/XX/XXXX {$3400.00} In good standing DEPT OF ED/XXXX Reported : XX/XX/XXXX {$1800.00} In good standing Hard Inquiries When you apply for a  new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your Equifax report. 

XXXX/XXXX Inquiry : XX/XX/XXXX Complete Dept. Stores Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX  / Inquiry : XX/XX/XXXX Oil Companies XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX/XXXX Inquiry : XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX National Credit Card Cos.

XXXX Inquiry : XX/XX/XXXX Jewelers ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks CXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX/XXXX Inquiry : XX/XX/XXXX Complete Dept. Stores ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX   XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX  XXXX/XXXX Inquiry : XX/XX/XXXX Miscellaneous Contact the inquirer : MAIL ONLY XXXX-XXXX Inquiry : XX/XX/XXXX Telephone Companies XXXX/XXXX Inquiry : XX/XX/XXXX Mail Order Firms ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX/XXXX Inquiry : XX/XX/XXXX Variety Stores Contact the inquirer : MAIL ONLY XXXX/XXXX   Inquiry : XX/XX/XXXX Complete Dept. Stores Contact the inquirer : MAIL ONLY XXXX Inquiry : XX/XX/XXXX Mail Order Firms ( XXXX ) XXXX Never received notice about debt to dispute it. 

XXXX XXXX XXXX Reported : XX/XX/XXXX {$520.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$170.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$100.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$450.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX
I have an account with the Paypal service, the service works by allowing me to transfer money into an online account then pay for things online that accept Paypal payments. I have had this account for many years, and the way it always worked I had to wait for the bank to transfer the money into the Paypal account, it took between three and five days to complete my transfer of money, and if I did n't have the money in my paypal account I could not purchase anything with the account. I was using this account to pay for my phone bill with XXXX XXXX, I allowed XXXX XXXX to acces my Paypal to pay my bill monthly, I decided in XXXX of last year to stop the subscription on my XXXX XXXX phone, I attempted on line to cancel then went to my paypal and as a measure of insurance to cancel my Virgin subscription I made sure ther were insufficient funds in my account with Paypal. When a request came to my Paypal account from XXXX XXXX Paypal instead of refusing the payment since I had insufficient funds decided to go into my checking account without my permission and pay XXXX, and they did on the day they requested payment, I called Paypal and requested a copy of my authorization for Paypal to remove funds from my checking account without my direct or even my indirect consent, XXXX XXXX XXXX agreed toreturn XXXX of the XXXX payments that were made before I caught what they were doing, Paypal XXXX that there is no problem since they did not profit. I do not agree with their assessment that there is no problem, for XXXX this is a huge problem that they would give a company access to my checking account without my approval. for any reason, and that they not only transferred the money without my approval, but they did it in XXXX day, something they would n't do for me, and that Paypal even paid them when if I had put in a request for payment above my Paypal balance would be refused. I am so angry about their complete lack of respect for me as an individual and the courtesy they extend another company, even if they have to steal my money to make XXXX happy. I still have XXXX charge of {$44.00} that XXXX wo n't refund, and I think that Paypal not only owes me for that XXXX payment but I think there should be some form of punishment to Paypal for such an obvious overreach.
i hired a marketing company to start a Pay per Click ad campaign. I had two months worth of services. I paid for one month of the services and the other month i fell behind because our business started to slump dramatically. We are on the verge of going out of business and i was contacted by this collection agency and they claimed i owe XXXX when in fact i only owe {$600.00}. im willing to make payments on the {$600.00} and only the XXXX XXXX because we are under substantial financial hardship. Thank you
Transunion has failed to update an address, and released unauthorized credit information to the XXXX XXXX XXXX, XXXX XXXX, XXXX, etc. At no time after 2007 have I authorized any of these entities to receive credit information. The only entity on my credit report that has a legitimate interest is XXXX, who has a small revolving line of credit for about {$1000.00}. 
Someone needs to go after these unauthorized entities. I do not now, nor have I authorized any insurance company to pull credit reports, nor have I authorized the XXXX to pull credit reports after 2007. 

Another problem is the address. I provided proof of address to Transunion, but their web server refused, it and threatened me, indicating I have viewed my credit report four times. 
The correct current physical address while visiting XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, CA, but this is not to be seen, and Transunion wo n't update it.
Payment was made via authorized direct-from-bank-account payment on XX/XX/XXXX for {$3600.00}, the full amount of loan no. XXXX. Navient acknowledged payment on XX/XX/XXXX. By XX/XX/XXXX, Navient had not taken payment, and additional interest had accrued. Another direct-from-bank account payment of {$1.00} was made to cover the additional interest, and Navient acknowledged payment on XX/XX/XXXX. As of XX/XX/XXXX, Navient had NEVER taken payment, and additional interest had again accrued. Checking the account online, both payments were listed as " reversed '' each ON THE SAME DAY they were made. No notice was given of this action, and no inquiries were received as to any problems. The funds remain in the bank account in full, and no response has been received from Navient. This appears to be a deliberate and intentional effort on Navient 's part to refuse to accept payment in order to increase interest costs.
I applied for a XXXX XXXX XXXX issued by XXXX XXXX XXXX on XXXX XXXX and my application wasn't approved due to a freeze on my XXXX  report. My application ID is XXXX. 

I am very disappointed regarding this because the second I submitted my application I got a notification that XXXX XXXX XXXX pulled my XXXX credit report. 

The letter doesn't mention anything about the bank performing a hard pull on my report even though it did happen which is more than enough to view my credit history and credit score to evaluate an application.

Most banks whenever they have issues processing an application they contact the applicant and keep the application open for at least 30 days to be able to finalize it.But XXXX XXXX XXXX  just wants me to apply again after unfreezing XXXX   report so that they ding my XXXX  report again!!

My complain is that my XXXX report was pulled and my application was never evaluated based on that pulled report.

I tried to contact XXXX XXXX XXXX customer service about this but got a rehearsed response that I need to apply again after 30 days.
XXXX XXXX XXXX XXXX XXXX Account # XXXX Equifax account # XXXX From XXXX XXXX, 2015 I have written over five letters to the credit company stating that this company Enhanced recovery is reporting inaccurate information on my credit report and ask servals time for the company to please submit validation that the reporting item belongs to me and they have failed to do so. I have also received a letter on XXXX XXXX where the company clearly states that the account is places on hold status and they are no collecting a debt. If this is so why are they still reporting this item illegally on my account? I am beyond frustrated because I ca n't do the things I would like to do because of this inaccurate information. Please help
My fiancee and I filled out, but did not submit and application for a Capital One 360 checking account. The website, in fact, timed out and logged us out due to inactivity. When I received an e-mail stating I had applied for and been denied a checking account, I immediately called Capital One 360. Capital One 360 stated there was no way such a thing could have occurred, and I had nothing to worry about because the inquiry does not show up on any reports. The inquiry showed up on both my and my fiancee 's XXXX reports. My fiancee has, to this day, received no notification she had even applied for this account. We both disputed the inquiry with XXXX. XXXX has found Capital One 360 's inquiry valid. My complaint is that I no longer feel safe using Capital One 360 and am weary of any other internet banking service. Neither me, nor my fiancee submitted an application for this checking account. We began the application to find out whether the account could be opened without the overdraft line of credit as we had no interest in such a feature. The webpage logged us out for inactivity on the final page of the application while we read the fine print pop up for this account and compared it to other checking accounts. We never clicked submit on this application. Somehow Capital One 360 's website pushed the application through while logging us out for inactivity. This error, juxtaposed with Capital One 360 's denial of the possibility of an error, makes their online application process deceptive and dishonest.
I view my credit report on a month to month bases and since XX/XX/2016 I noticed that First Financial has been reporting to the credit bureaus for an alleged amount owed of {$420.00} without any notification. First Financial did not send any written notification/statements via mail or any communication at all. Since XX/XX/2016 I 've sent numerous of validation disputes on a month to month bases only to be ignored. I understand that this is a violation of the HIPPA law to forward information to third parties without authorization as well as a violation of FCRA for refusing to validate upon request.
I recently checked my credit report and discovered that DESIGNED RECEIVABLE SOLUTIONS had entered a negative trade mark on my credit profile. I have never received or heard from these people. I am requesting that they immediately remove this from my credit profile and send me validation of this account.