WillisBack/dataset-financial-user-claim huggingface dataset:
My ex-husband and I consolidated our student loans through the USDOE in XXXX. I divorced him in XXXX, and was told that the loans couldnot be separated -- ever. I filled for and was granted discharge in full for the total amount of all conslidated loans in XXXX XXXX through Nelnet/USDOE. The following month ( XXXX XXXX ) I began recieving bills for my ex-husband 's portion of the consolidated student loans. He is not paying the loans and Nelnet is reporting the loans as my delinquency to XXXX credit bureau services. They call almost weekly, and have even tried to get my c
I purchased furniture XX/XX/XXXX for {$1100.00}, and the retailer ( XXXX XXXX, XXXX, WA ) informed me that I could pay off the loan anytime for a {$25.00} penalty. Made payments per agreement for 3 months. Contacted XXXX  XXXX to payoff and was informed that I had missed the 90 day payoff window and the amount due has now DOUBLED. 

I have attempted to resolve with XXXX XXXX. I emailed them XX/XX/XXXX, called XX/XX/XXXX, called XXXX and was promised by XXXX XXXX that I'd have a return call from a supervisor within 48 hours ( never happened ), called XXXX six times, was transferred by to fax/modem screeching sound each time. 

All I want to do is payoff the account.
On XX/XX/XXXX, I received a call from Barclays Fraud Unit regarding some fraudulent charges they had observed on my account. After speaking with the man on the phone, I alerted him that the charges made were indeed fraudulent and needed to be investigated. These charges did not fit my spending profile, as I use this car primarily for rewards points while eating out and for streaming services. On the website, they advertise " {$0.00} Fraud Liability Protection '' as a benefit, so I thought I was secure and we would work the case out. 

A couple weeks later I spoke to someone from the bank fraud unit and told them what I had experienced. He suggested I file a police report, which I did ( attached ). Since I know I did not authorize these charges, I thought they would eventually be cleared and I would deal with the police when they were available. 

On XX/XX/XXXX, I received a letter indicated that the charges were valid. I was shocked by this and decided to follow up with the bank fraud unit. They indicated that since the card was in my possession, the charges had to be valid since it was a pin transaction. There is plenty of literature out there ( I happen to work for a competing bank ) that has shown that there is equipment out there to copy the PIN ( see below link ) : XXXX : XXXX/ After speaking with the bank fraud unit, I was told that there was no investigation completed since XX/XX/XXXX when I reported the fraud originally. No camera footage was looked at from the stores where the fraud happened ( I will provide below ). Because I said I had the card in my possession when the fraud occurred, the charges were automatically valid. 

I find this ludicrous for a company that touts a " {$0.00} unauthorized fraud guarantee '' that such little research was done on this, and they would not honor the benefits they advertise. I feel as if Barclays is  not living up to the standard in which they should when it comes to investigating the incident and is not honoring the terms in the cardholder agreement. None of these transactions match my user footprint as well. I was not even around the area where these charges were made, and I have someone to corroborate that claim. 

Here are the unauthorized charges : XX/XX/XXXX XXXX  {$120.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$61.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$220.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$93.00} store # XXXX zip XXXX XXXX
Hi - I got a student loan from Nelnet to attend XXXX. As I was an XXXX XXXX, XXXX set up a XXXX in order to secure the loan. In spite of this, I always received the form XXXX XXXX so that I can file this in my annual tax returns. Recently XXXX took over my XXXX, and without really informing me of anything, are now saying that since they do n't have my original SSN on record, they will not give me my XXXX XXXX form ( even with the XXXX SSN ). I immediately sent them a scanned copy of my SSN, but they now say it 's too late. Since I was never informed of this change, and only now am told it 's too late, I am filing a complaint as I stand to lose XXXX hundred dollars in this arbitrary process change.
I received a credit monitoring alert on XXXX XXXX, XXXX which indicated that there was a new debt collection on my credit report. I retrieved the contact information of the company and contacted them immediately. When I told them I had n't received anything in the mail the representative told me that information was sent to address that she indicated she knew was an old address from XXXX. When I asked about receiving a call about the debt the representative claimed that they had my current phone number and they attempted to call me but there was no answer. She claimed this call was attempted on XXXX XXXX, XXXX which was 13 days after the company supposedly inherited the debt according to their records. I checked with my cell phone carrier after going through the call log on my phone and there was no call from this company, or any foreign number in my call records for that day. The representative asked me to update my address, however, I declined because I know they have it if they have my current phone number which is a number I have had for the last two years. When I asked the representative why they did not update my address the same way they updated my phone number, she told me that the company does not change the address that the original creditor provides. Which to me makes no sense.
I had a Bank card in XXXX or XXXX, the year I had to declare bankrupsy. Since I have had four collection agencies for the same account with different dates of original contact. This account has been under 1. XXXX XXXX, 2. XXXX, 3. XXXX and now back to XXXX. XXXX XXXX. They are now saying the first contact was XXXX XXXX and this will stay on my credit report until XXXX. XXXX to XXXX is over 15 years under the four collection companies that have passed the account around. Legally, it should go off my account in XXXX or XXXX, not XXXX. Please investigate Portfolio Recovery, they do this to other people and change the dates of contact. I have disputed this and they will not change it or do the right thing. Why can a collection company pass an account back and forth for years falsely stating the first contact when it is not. It is the date they again passed the account back and forth. This has harmed my credit and standing. I have asked them to remove this account from my credit history. They just keep passing it around and then back to their company. I have been greatly harmed by them and their practices. I had paid one bill in XXXX, yes XXXX and just managed to get it removed two years ago. That was 17 years ago and it was a bill that had been paid in full! 

Please help me with this. This is unfair practices and passing an account back and forth changing dates has harmed me, my standing and is unfair practices. Please have them remove this from my account ASAP. If this does not work, I will contact the XXXX state Attorney General and our Senator. It is wrong to have four collection agencys on one account over the years and to change the date each time making it appear that I have had contact with them each time when I have not. I have never received any type of certification or letter stating the proper documention or that I could dispute this from Portfolio Recovery. They do not care that they are lying or destroying my credit. I am a XXXX senior citizen, and this has caused me undue and harmful stress and worry because of their unfair and harmful practices, and changing the dates every couple of years. Next year a new date will appear and they keep getting away with it. Please help.
This case revolves around capital one credit card mishandling of my file. Last year I got into a business dealing with a merchant. That merchant did not fulfill their side of the bargain, which prompted me to inquire about my money back. That transaction was paid with my Capital one Credit card. I let Capital one know of the issue by originally filing a fraud case. One of Capital One 's fraud XXXX reaches out to me and advised me to deposit a check sent by the merchant many weeks after the altercation. I kept a check sent to me by the merchant with no intentions of cashing as I had already had the charges reversed by Capital One.Upon the advice of the Capital one representative, I go cash the check and accept the resolution offered by the representative. However, the check was stopped by the merchant and left me with a balance that I am responsible for. I called Capital One to let them know and they said they would dispute it if a response letter was written to the letter they intended on sending me. Once I received the letter, I quickly responded with a letter and supporting evidence. Capital One call me back weeks after receiving my application on XX/XX/2018 to tell me my claim was denied because I didn't get documents to them. Moreover, they won't take responsibility for the counsel given by their representative to deposit the check which led to other fees accruing because of the stop Pay. I spoke with Representative ( # XXXX ) and he stressed to me that they were out of time to retrieve the funds and that I should have sent them everything. My response was, this case has been on the table since last year, I have sent them everything that they require. The document that they are requesting can be supported by the documents that I submitted. Moreover, I was never informed by XXXX that they needed more documentation until today when I found out it was declined. ( XX/XX/2018 ) Capital One is maliciously trying to shift the risk from itself to the cardholder by not indemnifying the cardholder and not reviewing supporting documents in a timely fashion
Old navy visa Card by scynory bank wont give me a credit increase because they say I do n't have enough of a credit score but its because all the fraud in curies on my credit report
I am victim of identity thief I have fraudulent inquiries on my credit report for credit I do n't apply for XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Att XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fin XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fin XXXX XXXX auto XXXX XXXX XXXX
XXXX I have file dispute after dispute on wrong Employment information wrong company names phone numbers that are not mine. 

XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXXXXXX : Present Employee : As XXXX XXXX XXXX XXXX  Present Employer : XXXX XXXX There is no XXXX Staffing plus there is no XXXX XXXX XXXX There is no XXXX XXXX XXXX XXXX this are not even the right names of the companies if the XXXX was confirming this names they would no there not right there is no staffing temple as stated. 
XXXX is all Hospitals which they have several there not no staffing company. 
I have phone numbers that are not mine all listed XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX no such address nor have I ever live there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong this is a condo not an apartment XXXX  updates wrong information list wrong occupation and I want proof from them to these companies that I listed current and present wrong
Barclaycard is currently reporting that I owe a balance for this card. I have requested proof/validation for the account. Barclay continues to send me their company 's credit card agreement statement. I have not received any documentation with my signiture starting that I agreed to open and acccount with Barclaycard.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request that Barclay provide me with competent evidence that I have any legal obligation to pay you. Barclaycard is currently reporting invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws.
I received a copy of my credit report and I notice I have an account that needs to be updated and others accounts that are too old. Please updated XXXX   account XXXX XX/XX/XXXX balance {$49.00} ( account was paid in full, balance is XXXX ) Please remove, account too old XXXX account XXXX XX/XX/XXXX ( 8 years ) Please remove, account too old XXXX XXXX XXXXXXXX XX/XX/XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX ( 11 years )
First off, thank you for your prompt attention to complaints.I 'm in the midst of a potential foreclosure, that i 'm trying to avoid.I 've requested a deed of lieu but was told I had to do a short sale.But any offers for my house were turned down by Bank of America, which leads me to believe they are deliberately trying to XXXX me.I 've tried calling the one number & it does'nt go through.The other number I 've used, I get no response from the csm.The house is scheduled for sheriff 's sale on XXXX XXXX
I set up an account with Synchrony bank through Amazon.com. I set up recurring payments on this account so that the entire balance would be payed off each month on the statement date. 

Two weeks after a recurring payment was set to go through, I check my balance and see it is far higher than I had expected. It appears the last recurring payment had not gone through and I had been charged both a late fee and interest. 

The only communication I had received from Synchrony during this time was an email on the day after the payment was scheduled informing me that a payment had been posted. At no point was I informed that the payment had not been completed.
Please help stop this debt collector Midland Funding LLC. from reporting this debt on my credit report. The debt is past statue of limitations XX/XX/2012. I am a single Mom, trying to get on my feet put a roof over mine and my daughter 's head, and no one will rent or lease to me, Thank you in advance for all your help
My mortgage was reassigned to Fay Servicing, effective XX/XX/XXXX. On XX/XX/XXXX my home substained major damage as a result of Hurricane Irma. I filed an insurance claim through Fay Servicing and throughout the process, my account manager was reassigned 5 times from XX/XX/XXXX through XX/XX/XXXX. During this time period I applied for mortgage modification  twice and each time, I had to contact Fay Servicing to receive an update of my package, and each time I spoke with a different agent, who related different information concerning my package. After paying my contractor money to repair my home ; I attempted to make a payment to Fay Servicing, however I was told they will not take a partial payment, I had to pay the arrears in full and in order for them to consider my modification package, I would have to obtained Homeowners Insurance ( which was not mentioned in the document requirement package ). Each month my mortgage get further behind and I do not know what to do.
XX/XX/2019 I was notified by PayPal that my account was limited. I logged in and followed the necessary steps to remove restrictions, including explaining to PayPal that I provide multiple services ( XXXX XXXX and XXXX XXXX ) XX/XX/2019 after reviewing all information they made the decision to close my account and hold my funds for 180 days I then attempted to contact PayPal and still have not received a response. I found multiple complaints online from other users who have have been affected by their shady practices. I am also aware that they use these funds they hold to make profits by loaning out for interest on their behalf. I have multiple associates who in the past have not had their full amount returned to them that was withheld.
Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.
A fraudulent demand draft was authorized without my permission or knowledge and withdrawn from my Key Bank account on XX/XX/XXXX. I noticed and reported this fraud to the bank within the week. On XX/XX/XXXX I filed a police report and supplied this information to the bank. 

To this point, XX/XX/XXXX, I have received no further communication from the bank and the funds have not been returned to me, despite over three weeks having elapsed from the point when I supplied the requested police report. I have tried calling the fraud hotline to get an update on where my case stands but have not been able to outwait the hold time to speak to a person.
I reported identity theft to the 3 credit reporting bureaus ( twice ) some of the items were removed, including unauthorized inquires from the theft. Two accounts are still showing and some of the inquires. I sent out the identity theft report at the end of XX/XX/2018 via certified, for the second time and requested these items to be block and/or removed per my rights granted by the Fair Credit Reporting Act, which clearly states that these item should be removed within 5 business days for the date of receipt. By the credit bureaus. As of XX/XX/2018 there are two accounts, that haven't been address. Which are XXXX XXXX and XXXX XXXX XXXX, as well as all the inquiries for accounts that were issued to my credit file and inquires that are showing for account that weren't issued nor were they authorized. 

XXXX has removed all of the items, except a XXXX XXXX inquiry for XXXX. Which is a new inquiry, but they have conducted themselves in the correct manner, as based on the FCRA. 

I have attached a copy of the Identity Report, that was filed and delivered to the credit bureaus. They are picking and choosing which account to remove, when they have clear instructions and time-frame, in which these items are to be removed and/or blocked.
I have a letter from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. The letter offers me a settlement opportunity. I have searched through my records and it appears to me that this debt was bought from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. This account was paid in full in XXXX XXXX. I am perplexed as to why XXXX has this when it was paid. My distress at the moment is that it is a negative item on my credit record and I have tried to explain to the company and the credit bureau that this is a mistake and I want it removed from my credit record but I have not gotten any cooperation. 
The statute of limitations on debts is XXXX years in Texas. This should not be on my credit record.
Since filing chapter XXXX in XX/XX/XXXX, all three credit reports were correctly reported for my account with XXXX/XXXX XXXX, which was included in bankruptcy. Beginning in XX/XX/XXXX, only the XXXX  report was changed from bankruptcy status to charged off/collection status for my XXXX XXXX account. I contacted XXXX XXXX XXXX two months ago to request that my XXXX  credit report be updated from charge off collection/skip status effective XX/XX/XXXX to correctly report account as included in chapter XXXX bankruptcy. The XXXX XXXX account was removed from my XXXX report twice in past two months, but again on XX/XX/XXXX, the account is showing charge off collection/skip status, resulting in a 80-point drop in my credit score due to a COLLECTION for {$5100.00}. 

Since the bankruptcy trustee began making additional payments to XXXX   around the same time this problem began, it appears that my XXXX XXXX account is included in some type of automated monthly reporting system which provides inaccurate information to XXXX. Since being removed from XXXX, the collection status information has re-posted to XXXX   three times during the first week of the past three months. XXXX  advised me to dispute with XXXX ( copy of email attached ). I have disputed with XXXX  previously with no success -- only XXXX can update my report. If my XXXX report continues to show unlawful information for my XXXX XXXX  account, which is included in my bankruptcy case, I will be filing a civil lawsuit for violation of Fair Credit Reporting Act and violation of Federal Bankruptcy Laws. My patience has run its course!!
Knowledge of the final debt from the Apartment complex was received through a credit monitoring vendor. I never received written communication from the apartment management company stating this was the final debt. In addition, this file was provide d to BLAKELY-WITT & ASSOC INC i n  XXXX   2017  and I received NO notification and opportunity to dispute or validate this debt. As a matter of fact, I have yet to receive a written statement or written notice. The entry in my credit report should be removed and the process should start again. I will dispute the charges from the original creditor  XXXX  of  XXXX   XXXX .
I contacted XXXX University on XXXX XXXX, XXXX and requested to have an Official Transcript be sent directly to a potential employer ( XXXX XXXX XXXX XXXX XXXX ). 
When I had n't heard from XXXX University and received an email from the potential employer regarding items in my " To Do List '' I sent a follow-up email to XXXX University on XXXX XXXX, XXXX and was informed there is a transcript " hold '' on my account. Once I contacted the Business Office I was told I had an outstanding balance that dated back to XXXX. 

The problem with this is I graduated in XXXX XXXX and received a refund from XXXX University for the same amount they are now telling me I owe them. I recall getting the refund well because it was direct deposited into my savings account and I called the school to verify this refund was n't an error because the last thing I wanted was to spend funds that were n't owed to me and create another bill for myself. When I called they explained every 3 to 5 years they audit their books and determined I over paid in XXXX In addition, I never received a bill from XXXX University .
Bank Of America Bank of America cancelled my checking account with no notice. No text, no email, no phone call and they had all mentioned on file. I was on vacation and it caused a GREAT deal of problems. I found out by trying to use my ATM card. When it was rejected I had over {$10000.00} in the account. I was told on the phone all funds were frozen, and they would not give me a reason for closing the account. 
This is NO WAY to treat a consumer and customer. I also intend to file a complaint with the XXXX XXXX XXXX.
My loans were previously serviced by XXXX. When I attempted to see what my payment plan options were the cheapest option they provided was extended repayment. It was n't until later that I learned that I was eligible for income based plans. It harmed me long term because I qualify for the Public Service Loan Forgiveness program and lost months of eligibility due to paying into the extended payment option ( they are n't qualifying payments ). I not only payed nearly double monthly, but will pay for a longer term as well. I have since transferred my loans to XXXX and have an IBR plan.
Equifax data preach I was one of the people that they hacked into my information. I have all 3 bureaus freezes and a Fraud alert on all 3 and still had my info stolen. What do I do next does Equifax have to protect me for Fraud with life lock or something similar? I 'm worried and I own a house. Can you tell me how to go about this problem?