WillisBack/dataset-financial-user-claim huggingface dataset:
Portfolio Recovery contacted me about a two debt they purchased from XXXX XXXX. I disputed the debt and was instructed by Portfolio Recovery to provide documentation to them proving why I wasnt responsible for the debts. In XXXX, I faxed over several documents to them to solidfy my stance. After submitting all those documents, they still insisted I had to pay, and started harrassing and threatening me about wage garnishments. 

Just to get them out of my hair, I made periodic payments, however, I constantly disputed it. A couple weeks ago, I talked to the dispute department again, and they looked over the info I provided in XXXX, and purged my account, and released me from those debts. This should have been done in XXXX when I submitted it the first time. 

Due to their " error '' and collecting money from me on accounts that were not validated, they claim they have issued me a refund for both accounts. However, I believe they are giving me the run around once again. When I called to inquire on the status on the refunds, they keep changing the time I should expect it. One rep said 30 days to receive my money back, another said 7-10 days, and today, another person said 10-15 days! Why should I wait for my money when they collected it improperly to begin with? These account should have NEVER been paid on, but they continued to harrass me even though the debt was not substantiated. This would have been taking care of if they would have processed my documentation properly instead of dismissing it to scare me into paying them.
The credit bureau is refusing to delete a collection account from my credit report that can not be validated. The debt is with a company called XXXX XXXX for {$8700.00} and the account number is # XXXX. For the past couple of months, I have been trying to get this company to explain and validate the amount of money they say I owe them. The last time I sent them a written request, it took them over 45 days to respond back to me and even then, they were not able to verify the amount of money they are reporting to my credit. I am filing this complaint because this account is inaccurately being reported to my credit and the credit bureau is not processing my dispute properly.
I have a credit issued by Barclay Bank XXXX XXXX ) card. I have two balance transfer promotions. 1 if for {$1700.00} and the other is for {$1600.00}. 
My minimum payment for XXXX XXXX, 2015 is {$54.00}. On XXXX XXXX, 2015 I make payment of {$200.00} which I want to go to my balance transfer promotion that is due in XXXX of 2015. Nowhere in their Important Information does it say that " if you have a balance with an APR vs a 0 % APR, that any monies paid will only go to the APR balance and not the 0 % APR promotional balance. I call to get the situation corrected and nowhere in their records can they find that statement. So the customer service supervisor states that that statement is located in the original agreement when I received the card and they would mail that to me. But she could not find the original agreement on her system XXXX which they should have it XXXX.
We have been struggling with Caliber Home Loans since XXXX XXXX to correcting errors in our account. Prior to XXXX XXXX, XXXX our loan servicer was XXXX. They made numerous mistakes during the period of XXXX XXXX to XXXX XXXX, XXXX. During this time period we were not only current but paid through XXXX with {$500.00} in our account for XXXX 's payment. Caliber told us that our account was behind. It took quite awhile for Caliber to research it and then we were told that XXXX had made some mistakes. We struggled with XXXX to get our records to pinpoint where the problem was located in our account. 
XXXX repeatedly told us that we needed to work with Caliber because they were the servicer. In a letter dated XXXX XXXX, XXXX, from XXXX XXXX, Vice President, Customer Service, Caliber Home Loans, she states : " Furthermore your allegations are regarding the previous servicer and not Caliber. Please be advised Caliber is unable to confirm any actions or provide any answers in regards to the previous servicer as we are not affiliated with them. In order to have these concerns adequately addressed, you should contact your prior servicer directly. '' The previous servicer ( XXXX ) is refusing to address the issue. Today I spoke with XXXX XXXX at XXXX and she informed me that they had an agreement with you to resolve any issues or complaints or misappropriation of our funds. So I spoke with XXXX ( XXXX ) at Caliber who immediately realized that the problem needed to be addressed by a manager. After waiting for quite some time XXXX ( XXXX ) took my call. She was not especially helpful. She said there is an open complaint and it would take an additional 30 days to " research ''. I let her know that this is unacceptable because we have been waiting for a response since XXXX XXXX that will resolve our issues. She balked at sending us copies of our monthly statements and financial payment history. I requested the records because Caliber has assessed fees and late charges that she says do not exist but I see them on the copies of the statements that I have. She also refused to do a follow up phone call or email to keep us updated on how the research is progressing. She said that Caliber is unable to speak by phone between the research department and customer service. Customer service is also not allowed to phone customers or email them. This does n't seem like customer service to me. XXXX is telling us that we have a single point of contact at Caliber when this XXXX XXXX has never spoken to us nor returned our calls.
OnXX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018.  On XX/XX/2018 I contacted XXXX asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I  further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
On XX/XX/XXXX, I bought a XXXX XXXX XXXX XXXX and financed it through Bank of America. In XX/XX/XXXX, I checked my credit score and noticed Bank of America had reported two late payments ( XXXX and XX/XX/XXXX ). I contacted them in XXXX of XX/XX/XXXXto dispute these false statements and nothing was done. The faxes were sent over on XX/XX/XXXX with bank statements proving the payments were paid on time and were not late. 

On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX, which is where I was trying to obtain a home loan and was advised due to the late payments reported by Bank of America I could not go forward. I then again contacted Bank of America and XXXX to dispute these false statements. Nothing was done. In XXXX, I finally spoke to a supervisor by the name of XXXX and was advised she would try and figure out what happened and get back to me. On XXXX XXXX I was advised the payments were still late because in XXXX of XX/XX/XXXXI supposedly called and asked for the additional monies that were sent in be applied to principle and with XX/XX/XXXX payment being only {$170.00}, which was what was due at the time the payment was now considered late. XX/XX/XXXX has nothing to do with XXXX of XX/XX/XXXXpayments whatsoever. On XX/XX/XXXX I was advised Bank of America is closing out there case and nothing is going to change.I have attached the bank statements showing were I was not late in XXXX and XXXX of XXXX. 

Furthermore, I paid the auto loan in full in XXXX of XXXX and do not have access to the loan history due to account now being closed. Please please help me! I have documents to prove the payments were not late whatsoever.
On yesterday XX/XX/XXXX, I spoke with a representative of FedLoan Servicing. Unfortunately, she informed me I have been a victim of a fraudulent company drafting funds from my bank account for the last 2 years. I would like to file a formal complaint against FedLoan Servicing, because this ordeal began when my loan information was apparently released to the fraudulent company, who initially contacted me via US Mail. At the time, I was a novice to the student loan repayment process. Due to the negligence of FedLoan Servicing, I became a victim of this deceitful company. 
In XX/XX/XXXX, I received a letter in the mail from the " XXXX '' regarding a loan consolidation program I qualified for based on the Health Care and Education Affordability Reconciliation Act of XX/XX/XXXX. Several months later, I called the number listed on the letter XXXX and spoke with a representative XXXX. XXXX had all of the information about my student loans including the amounts owed and lenders information. After speaking with XXXX, I spoke with another representative XXXX, both provided direct numbers for contact [ XXXX XXXX and XXXX XXXX ]. They each had valid information about my student loans, and convinced me I should verify my identity and sign up for this opportunity before it expired. They then drafted 3 installments of {$230.00} to the XXXX XXXX XXXX, CA XXXX for enrollment into the consolidation program. On XX/XX/XXXX, I received confirmation of the automated bank drafts from XXXX XXXX XXXX, OK XXXX ( website : XXXX ). The company also required I allow XXXX ( XXXX ) to monitor my Income Based Repayment Plan and re-certification for the automated draft amount of {$29.00} a month. Sadly, I have been paying this company for almost 2 years now. 
Upon learning of the scam, I immediately contacted my banking institution and stopped all future drafts from the company. I also filed a claim with my banking institution, placed an alert on my credit report, and filed a complaint with the Federal Trade Commission ( reference number XXXX ). I would like this situation be resolved and to receive restitution for my financial loss. Please reply with the following : 1. ) How did this company acquire my loan information? and my mailing address? I did not contact this company, I did not provide my student loan information to them, yet somehow they had this information 2. ) I need someone from FedLoan Servicing to guarantee these people can not contact me or access my information in the future? 
3. ) Can the FedLoan Serving reimburse me for the monies the company drafted from my bank account?
On XX/XX/XXXX i sent out debt validations ( 609 ) letter to Equifax.On XX/XX/XXXX they made a decision and I have yet to obtain proper debt validations for my  debts by the mail. It has been well over 30 days. Equifax reported that the debts we 're validated to me. I have again yet to recieve proper debt validaton paperwork by the mail.
I looked on my credit report and saw Enhanced Recovery on there for a debt I do n't owe. I sent for validation request to them and they just keep ignoring me and continue to report this error on my credit. They never notified me that they were about to report anything on my credit. Enhanced Recovery is in violation of the FDCPA
I have applied and received credit card with Frontier/Barclay Mastercard that advertised reward earnings on expenditures for reward incentives. I have had ( XXXX ) Frontier Accounts for incentives resulting in excessive delay rewards, however the partnership ( web portal with Frontier Airlines does not reflect their 30-60 day post of reward incentives causing the customer delayed incentives for benefits, The Frontier company partner gave the consumer ( XXXX ) accounts resulting misrepresentation and failure to serve the consumer and their partner agreement ( s ). The customer has to comply with current payment agreements, lates fees, interests, according to credit card federal laws, however, the customer has no remedies under the U.S. Constitution-statutory 4th and 14 amendments for theses protections in granting reward incentives.This consumer is asking for equal protection under the laws. Consumer using web portals have delayed benefits and fraudulent verbal agreements to remedy the consumers in application and use of reward benefits promised by both companies and their representatives.or agents resulting in consumer delays and inadequate uses of said rewards.
There's an account on my credit report that is not mines, it has me as an authorized user inwhich I have no knowledge of, and I would like this account removed immediately. The account in question is XXXX Card, with a XXXX credit limit.
I am a co-applicant on a private loan with  Navient (  XXXX  ). I wo uld like to know, if I am held responsible for this debt as much as the applicant why do n't I have a say in what goes on with the loan ( as far as skipping payments or paying interest only ). I have never had any contact with anyone asking if the payments could be interest only. I think after they have given the applicant the authority to change their payment options, the loan should fall only on the applicant. Could you please help me with this?
On my Chex Systems Reports ( even up to now ) there shows a balance due to XXXX XXXX for {$800.00} ; this balance due has been discussed with XXXX and resolved as arising out of fraudulence and XXXX XXXX HAS XXXX OUT THE BALANCE DUE = THERE IS NOW NOTHING DUE TO XXXX, I CAN OPEN A BANK ACCOUNT AND AM IN GOOD STANDING. 

I have written Chex Systems regarding this to update and remove me from their list, because XXXX has XXXX out the old balance and I no longer owe anything ; I have provided lettres written to me by XXXX and everything - yet Chex Systems claims that they have called XXXX and verified the debt as still open and not resolved, they have also claimed that the letters I have forwarded them are not valid/legit/altered, and refuse to clear my name and remove this from my report. 

I am now attaching yet ANOTHER letter that I have received faxed over DIRECTLY from XXXX - in which one can CLEARLY read and see that everything has been XXXX out resolved. 

Chex Systems DOES NOT have the right to claim that the writing is not clear, CAN NOT claim that this is not a valid lettre, and XXXX has commented several times to me before that they can find no record of Chex Systems EVER having contacted them to validate my case ( and that if they had of done so, the entrance in Chex Systems would have been corrected/removed ). 

Chex Systems, like any reporting agency, must follow the rules of the FCRA regarding anything that is reported and then rectified due to Fraud/ID-Theft. Per the FCRA regulations I demand that Chex Systems stop playing games and, per the FCRA regulations, YOU - CHEX SYSTEMS - IMMEDIATELY OBEY the law and remove this XXXX entry from my report per the letter attached and per discourse with XXXX VALIDATING/VERIFYING that the unpaid balance has been resolved to XXXX and satisfied. 

YOU, CHEX SYSTEMS, ARE OBLIGED AND MUST obey the law - I do not know who you think you are, but if you do n't update my file appropriately and with the proper expedience ( within 4 business days, per the FCRA regarding cases of Identity Theft/Fraud ) I 'll pursue you in court with my lawyer in XXXX as well as a local attorney there in XXXX.
I graduated in XXXX XXXX with an initial student loan balance of $ XXXX. In XXXX XXXX I started paying my loans back through my servicer, Navient, on an XXXX payment plan. I was not notified by Navient that through this IBR plan that XXXX of my payments only went to interest and XXXX to the principal, and was also not notified that the 'capitalized interest ' during this timeframe of over $ 12XXXX was added to the principal balance of my loan. In XXXX of XXXX I put my loans in forbearance through Navient 's online system and was not adequately notified that accrued interest during forbearance would be added to the principal balance of my loan ( The only way I found out about this was due to an article I saw regarding the CFPB 's investigation of Navient ). My current loan balance is over $ 174XXXX - how is it possible that I have my loan balance is now XXXX high than it was when I started?! I want to fight this. There is no way I will ever get these paid down. These are not repayment options, these are money making schemes.
I have reason to believe and the Bank of America manager near me can prove that someone within BOA is stealing from them.
I OPENED CAPITAL ONE CARD IN 2011, IT IS A PREPAID ACCOUNT. I GAVE THEM UP FRONT {$300.00}, IN EXCHANGE FOR XXXX CREDIT LIMIT CREDIT CARD. AFTER XXXX XXXX, I MADE A PAYMENT ONLINE THAT WAS NOT PAID BY BANK. WHICH CAUSED MY CARD TO GO OVER LIMIT BY {$300.00}. TODAY I CALLED TO MAKE A PAYMENT AND WAS TOLD CARD WAS CLOSED. I REQUESTED THAT THE {$300.00} DEPOSIT GET APPLIED SO I COULD PAY THE ADDITIONAL AMOUNT OWED. I WAS TOLD I ONLY PUT UP A {$50.00} DEPOSIT AND IT HAD BEEN APPLIED. 

I ASK TO SPEAK WITH A REPRESENTATIVE IN MANAGEMENT, AND WAS PUT ON HOLD FOR AN HOUR. PLEASE HELP SO I DO N'T GET XXXX OUT OF MY {$300.00} DEPOSIT.
My complaint is against XXXX XXXX. I have been provided repeated false information regarding the terms of my loan. I have attempted to hold their supervisors and customer services representatives accountable to stand by the information they are providing me as being factual and on four separate occasions I have been told conflicting and false information. I have perused the matter with the the XXXX XXXX ombudsmen to only be offered an apology. I have contacted the Department of Education and have a case pending. I need to take legal action to hold them accountable to the information they provide me as it involves years of repayment terms and tens of thousands of dollars. I have a paper trail, employee ID 's and records of all conversation in which I was given false information, and told I would receive documentation on company letter head describing the facts they were providing me. It never happened. It is completely unacceptable and I need to hold them accountable to the information I was provided.
My personal information has potentially been compromised due to the recent Equifax security breach. I was not informed of this breach by Equifax, and was only able to know of it due to online sources.
I applied for a credit line on XX/XX/XXXX which was approved for {$100000.00}. I made payments on the account until XX/XX/XXXX, at which point I felt behind 2 payments. On the 3rd month I reach out to the service department of Bank Of America to make a payment in full for the amount due so I could bring the account to current status. At that point I was told that the account had been charge off with no prior notice ( no mail notice, email, or phone call ), And they had all my current information. I was told their was nothing they could do for me. The only thing I could do was to pay the amount due in full {$100000.00} and that wouldn't even remove the charge off from my credit report. I have tried to make arrangements to correct this account on my credit report and bring the account to {$0.00} balance but they refuse to work with me. The only answer I heard from them was we can't offer you a settlement, you must pay the full amount, but we can't remove the charge off from your credit report. The last time I reach out to Bank of America I even requested to speak to the person in charge of the financial department to see if I could get a settlement and the answer was the same ( WE CAN'T DO ANYTHING FOR YOU, YOU MUST PAY THE AMOUNT IN FULL ).
I implore you to look into the unfair business practices and illegal marketing practices Amazon uses to draw customers in and that CHASE derives benefits in throwing them into a high interest rate card. I was shopping for XXXX gifts and as I went to check out, Amazon offered me a 0 % 12 month interest free promotional option, I clicked on it, answered a few questions and the proceeded to check out. Received a credit card a few weeks later that had AMAZON on the front, and Chase on the back. I did not think anything of it until I realized that I had been paying 19.49 % interest the entire time on the entire amount including what I purchased through the promotional offer. There was nothing in this entire process that led me to think I would be getting an interest rate at all ; and no way would I have applied for a 19.49 % interest rate. No one from CHASE can supply me with a screen shot of my application, there was no discussion of not getting the promotional offer and nothing to let me know of this bait and switch ( offering one interest rate but throwing you into another ) practice. Chase will not supply me with their record retention or consumer grievances policies as those are considered " proprietary ''. Chase said that Amazon has many cards and so when people think they are getting the promotional offer that is only if they get the " amazon shop card '' given the card they sent me says Amazon on the front of it, this is also a deceptive practice. No where in this short promotional opportunity process was there any discussion of this. amazon sucks you in, Chase benefits by throwing you into a high interest card. One Chase representative said that this was not the first he had heard of this problem.
I went to https : //XXXX, entered my information, and requested my free annual credit report from Experian. 

I got this message : " We were unable to honor your request. If you entered your credit card information, we did not charge you. 

Sending us your information To receive your personal credit report by mail, please mail us this letter ( or the information in it ), along with " ... 

Then I went to the " Contact Us '' form on the annualcreditreport.com site and tried to report the problem, but the site refused to accept my form. The error was " Tell us more is invalid. Please try again. '' but it provided no information about why the information I had entered under " Tell us more '' was invalid or how to correct it. 

The appearance to me is that Experian is trying to avoid its legal obligation to provide a free annual credit report by making it so difficult that most people will just give up.
In 2015 I requested a copy of my ( XXXX ) credit files from each of the bureaus via XXXX but only received my report from XXXX in which I found a judgment from XXXX County Court for an account that I knew nothing about. Whilst investigating this information I approached XXXX County Courts file room using the case number reported in my report, it was established that there is no record of this case number or any account in my name warranting this inclusion in my credit file. I am requesting that Experian make right the problem and delete this entry from my credit history and furnish me with an updated copy of my credit report showing the deletion of this entry.