WillisBack/dataset-financial-user-claim huggingface dataset:
Today, I checked my Credit Report through " XXXX Credit Scorecard. '' My score shows me receiving a score of XXXX. When I click on " What's Hurting '' my score, it shows that there is a " Presence of derogatory public record or collection. '' Without seeing exactly what that is ... I am pretty sure it was from a company called " Debt Recovery Solutions '' in which I was contacted several years ago on an alleged payment I refused to pay. After dealing with this for two years, the company finally sent me a letter stating, " our office has contacted the major credit reporting agencies and has instructed them to delete any update we have placed on your credit profile. Please accept our apology for this clerical error. If you have any further concerns, please feel free to contact the undersigned directly. '' The Credit Report says that a " paid collection will remain on your credit report for 7-10 years. '' Since there was a mistake made on " Debt Recovery Solutions , LLC ''  and that was later confirmed, why does it still show up on my Credit Report? Could you please help me resolve this as soon as possible?
I have tried to contact Midland Funding over 10 times in regards to a debt that they sued me for ( and won a default judgement. ) I am trying to eliminate the associated lien on my property and Midland has not even responded to my REPEATED requests. I have called them on the phone numerous times and sent them email, XXXX letters and filled out forms on their website. 


I need them to release the lien on my property IMMEDIATELY and report to the state of WI that all of my judgement has been satisfied.
On XXXX/XXXX/16 JPMorgan Chase closed the credit card account because I refuse their threats, and posted on social media their attitude, on same date and on XXXX/XXXX/16 I emailed and asked to be sent a final settlement. 
See : XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX and XXXX more ... 

Message body Chase Credit Services. 

You are hereby being notified that you have either option. 

You can settle the account now and I will make payment in full on the amount agreed. 

However, JpMorgan refuses to issue a final statement, just to collect residual interest. I have asked for a final bill and their refusal nothing but greed. 
The Security & Exchange Comm and XXXX clearly said that XXXX XXXX XXXX will be in violation of securities laws if she closes my kids accounts, all penalties for closing C type shares should be borne by Chase.
I submitted XXXX my identity theft packet to Experian. Upon the XXXX submission, I was told by a representative of Experian that they did not believe the identity theft packet came from me and that I would need to resubmit it. The next day, I resubmitted the identity theft packet via overnight, certified mail and it was signed for by Experian. Upon calling in the next day, I was told by a representative that it was received and not yet processed. I called back in to Experian a week later to check the status to be told that the identity theft packet was never received and that I had been ill informed by the previous representative. I was encouraged to resubmit it again. Today, I did resubmit the identity theft packet online on their upload website. I made the request to have fraudulent accounts detailed in my police report blocked pursuant to the Fair Credit Reporting Act, Section 605B immediately. A month has passed since both prior submissions and Experian refuses to acknowledge or process my identity theft report and block fraudulent information negatively reporting on my credit report.
I HAVE CONFIRMATION FROM XXXX XXXX FROM NATION STAR MORTGAGE THAT MY CASE NEVER MADE IT TO REVIEW. HE MADE THIS DECISION AFTER COMPLETING A INVESTIGATION. PLEASE REVIEW AND EXPLAIN.
XXXX won't remove or Give me method of verification on how they verified the accounts I'm disputing with them as they are only using XXXX  not actually providing me documents on what documents were used to verify they accounts if they can't provide me documents this must be deleted 2 XXXX accounts and total card they can't verify something that they are reporting without proof same with equifax they have a XXXX card reporting on my report they just provide me proof paper work not just papers saying the accounts has been verified I sent them certified letters asking them for my documents as it is my right as a customer to see how they are verifying these fraudlant accounts
Navient holds my student loans and has once again stopped mailing me my billing statements. I can not make payments without the billing statements. I contacted them via telephone over 3 weeks ago and requested a billing statement. The lady I spoke to at Navient said that they had my home address entered as " terminated '' and was unsure why this was entered into their system since I have lived at the same address for over 1 1/2 years. I was receiving my billing statements every month until XXXX 2016 - suddenly, no more billing statements. 
I finally received a billing statement this past weekend and I have paid the full amount minus the late charges, bringing my account up-to-date. I should not be responsible for late fees that this company is generating due to it 's own inability to mail me my billing statements. This is not the first time this company has done this to me. They stopped sending my billing statements about 3 years ago and I had to call them to have them send me my billing statements. 
Navient has been calling me every day for the past 1 1/2 weeks now, requesting that I pay them over the telephone. I have explained to them on more than XXXX occasions the situation and each time they have told me that they have requested a billing statement to be sent to my home address. I am concerned that this company is purposefully not sending out billing statements to it 's clients to engineer " late fees '' to increase their profits. At the least, this appears to be very unethical business behavior.
XXXX XXXX ; XXXX XXXX XXXX XXXX ; and XXXX XXXX Bank all send me a denial/rejection letter for application of credit that I did not applied for. In the past i have placed a Fraud alert and a Security Freeze on my XXXX, XXXX, and XXXX  credit bureaus and yet other have an open access and is using my identity fraudulent. : 1. XXXX Bank XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. XXXX XXXX Bank XXXX XXXX   XXXX  XXXX XXXX, OH XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
I am filing this complaint because CKS Financial has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
We have been paying two payments of XXXX and XXXX a month to the credit card collection agency Weltman, Weinberg, and Reiss Co., LPA for over two years. This was a payment plan set up and approved by the agency and us. The monthly payments are automatically taken from our checking account every month so we've never missed a payment.This was debt incurred from two XXXX cards. Without any written or verbal notification to me, the above agency sent a court-ordered levy against our bank accounts ( one checking, two savings ) for over XXXX dollars. We owe them XXXX. They took XXXX dollars from our checking and over XXXX dollars from both savings accounts. My bank said they can not stop the levy so now our accounts are overdrawn by over XXXX dollars. This is a breach of our monthly payment agreement with no warning given. We have no other means. No way to buy food, gas, pay bills, or pay for needed medication.
A XXXX account was opened in XXXX using a previous last name of XXXX. I've shown XXXX my social security card with my current name issued before the XXXX account was opened, and my State Drivers License with my legal name on it. I had no knowledge of the account until I received a notice to appear in court from their law firm. I go to court XXXX XXXX, XXXX. 

I believe this is a theft case that someone stole my identity using my old name but same social security number ; it's not only XXXX, it's a few other accounts that were also opened in XXXX.
I am a XXXX year old woman suffering from XXXX XXXX XXXX called me to collect a {$150.00} debt owed by my daughter-in-law. I immediately told XXXX that she has never lived with me. However, that did not stop the vicious calls. I became terrorized and so intensely upset that I suffered a XXXX XXXX.
I have a Barclay Rewards card and after seeing my XXXX score stay the same for over 45 days with the negative impact of reflecting a balance due that been paid over 30 days ago .... i called BarClay and escalated to an Acct Mgr ( XXXX # XXXX ) who informed me that they only report 1 time a month to reflect our dealings ... I questioned why this was only done once a month, she referenced billing once a month, payment once a month. 

I asked if I could change my billing date to be due days before that monthly transmittal to secure my ability to pay the balance and have it reported in a timely manner.. She tells me this would change the reporting date, i questioned why ... She says that they report to the Bureau according to the billing date, not the date of payment due ... and it would change if we changed my due date ... 

It 's very arbitrary of Barclay to report only monthly, but even more arbitrary to report after a bill is sent ... not waiting to see if the payment is received before reporting to the Bureau. This is not a consumer friendly policy and subjects the consumer to false information on their credit rating via the company reporting policy ...
My husband was scammed out of {$65000.00} from our Wells Fargo account in XXXX, CA on XX/XX/2018. Two wires ( both domestic and international ) and {$10000.00} in cash was taken from the account on that day and we received no security alerts from Wells Fargo that there was unusual activity in those accounts. We were able to stop one international wire for {$35000.00} the following day but filed a complaint with Wells Fargo fraud unit to recover our {$20000.00} domestic wire and the {$10000.00} that was withdrawn from two accounts that was unauthorized. We have contacted and met with branch manager XXXX XXXX  who authorized the transactions who has declared there is " nothing they can do '' to recover our money. The {$20000.00} wire was sent to a XXXX XXXX XXXX  account payable to XXXX XXXX XXXX XXXX XXXX  GA. The {$10000.00} was spent on XXXX XXXX  cards that were immediately cashed out upon receipt.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX
I was XXXX years old and still under my mother 's care. Now knowing she never had health insurance for me and was not giving me any of my bills, I as a XXXX adult, knew nothing of most of these debts. I never received correspondence or the right to dispute. I had serious, chronic health issues as a young adult and am now- 5 years later recieving relentless calls from blocked and out of states numbers. 2 times they never disclosed they were debt collectors and refused to stop calling me while I was at work. I contacted one back and began a payment plan with them. At first they refused to take less than XXXX dollars a month- I am a full time college student and living on my own. I told them the very most I could do was XXXX and have been paying it for a year with no correspondence of my current balance. No one ever mentioned I could dispute it or could send me an itemized bill- some of the bills are over XXXX XXXX XXXX!!
My accounts with XXXX and Walmart stores are both past due/ over limit respectively. Unfortunately, I 've fallen behind on them as well as other accounts not related to Synchrony Bank. The minimum payment due on each account is more than I can afford and have made payments, attempted to honor them, ended up having to place a stop payment on them in the past. The minimum payment due will have to be lowered some how, I can afford around XXXX a month. There are payment options offered when making payment on web-site, however, the amount ( s ) requested are no where near XXXX a month and or do not avoid any over limit fees or other fees.
I have written to AR Resources, Inc., as well as XXXX Credit Reporting Agency -requesting that they investigate and update the inaccurate information they are reporting about me. The 'debt ' is not mine. The account numbers being reported are : XXXX and XXXX. This 'debt ' was incurred by someone other than me, using my name. Please investigate and instruct AR Resources to stop their reporting of inaccurate information about me. Thank you. XXXX XXXX XXXX.
Navient is reporting my high credit as XXXX. Instead of XXXX as the high because of this it is damaging my credit. I originally had a student loan with XXXX XXXX who then assigned it to XXXX XXXX XXXX XXXX who set me up with the rehabilitation program which I successfully completed and then they assigned it to Navient based on the paper work sent to me was XXXX/XXXX/14. Navient took my loan it was XXXX but they reported my high has XXXX starting me off upside down on my loan 118 percent when they took the loan over and created a new one which should have shown my high as XXXX with me paying the amount that they set up for me I still would not be able to pay it off unless I paid hundreds of dollars extra. I need this fix it is severely damaging my credit.
Received a letter in the mail from North Shore Agency, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX stating that they are writing to collect {$24.00} that I owe for XXXX magazine subscription. 
No other details about my subscription provided to substantiate for which subscription period etc. 

I have all records showing subscription is paid and check was cleared by XXXX XXXX magazine for my current subscription.
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. XXXX, XXXX, XXXX XXXX XXXX XXXX.
I wanted to send XXXX dollars to pay for a skiing event in XXXX. I called the Associated Banks  customer service line on Wednesday, XXXX XXXX, and was told to call my local branch and that they would help me with sending money to XXXX. 
On Monday, XXXX XXXX, I called the local branch, and they referred me back to the Associated Bank customer service line. I called the customer service line, and was told to call the local branch. I told them that I had just done that. XXXX began to look into the problem for me, and about thirty minutes later she called back and told me that what I needed was a Foreign Draft. She said I should ask for a supervisor or manager, and that the cost would be {$40.00}. 
On Wednesday, XXXX XXXX, I went into the branch and said that I needed a foreign draft for {$870.00}. The person helping said that she didnt know what that was. I said that I was told to ask for the supervisor or the manager. She said that she was the supervisor. She called two people, and the second one walked her through the process. The transaction went smoothly. I was a bit surprised when she said that a XXXX dollar was {$.00} American. Five days earlier XXXX said it was {$.00} American. She said the check would be here on XXXX XXXX, but it was actually here on XXXX XXXX. 
I made the mistake of not checking with XXXX before arriving at the bank. Later in the evening, I asked XXXX, and a XXXX dollar was worth {$.00} American. I did  not question the transaction, thinking that the bank would have the exact price for a XXXX dollar. The transaction fee was actually {$20.00}. On the attached form, it stated {$10.00}. I dont have a problem with that. They should really update their forms, and add creating a Foreign Draft to their training material.
On XXXX XXXX, XXXX, I opened an account at the local branch of Bank of America near my how so I could get a safety deposit box there. When I signed up for the box, I agreed to allow Bank of America to charge a {$50.00} rental fee for a small deposit box. I never received a safety deposit box and despite several requests, I still have n't received a refund of the rental fee I paid over a year ago. 

I did n't get a box right away. The teller had me return to get a key to my safety deposit box. So I returned and then it was so busy that no one could help me get access to the safety deposit box. So returned on another day and when the staff finally accompanied me to the boxes, it turned out that a ) when I tried my key on the box, it did n't work ; b ) once management retrieved their key and opened the box, we found someone else 's property inside. XXXX promised to figure out the problem and get me a security deposit box. I did n't hear anything back. 

I called and did n't receive any information. I went back to the branch and was told I 'd receive a call. I did n't receive a call. 

I returned to the branch to request a return of the {$50.00} service fee and the XXXX, who was openly rude to me, finally said he could not reverse the fee but would see to it that the fee was reversed by Monday. It was n't reversed. 

I became tired of trying to get this money back from Bank of America. I probably spent XXXX hours over the course of months showing up to the bank, waiting for a teller, explaining the situation repeatedly. Finally, I gave up.
I have made is the past payments towards my principal. This is in addition to regular mortgage payments Each time Carrington Mortgage services pretends these at all regular payments and charges me as if I was making payments several months in advance. The last time I made a payment of {$4000.00} toward principal, this was five days after I had made a regular mortgage payment. This resulted in interest of {$400.00} plus {$600.00} in escrow. this amounts to an effective interest rate of about 30 % on a XXXX loan. I called them on it and escalated it before they reversed it and applied it towards my principal Today - XX/XX/XXXX they did it again! I paid my regular payment on the XX/XX/XXXX and made an extra payment of {$1000.00} on the first of XX/XX/XXXX. They reacted like I was making a payment for XX/XX/XXXX. The charged me {$95.00} interest for 1 Day! + escrow for next month - Due on XX/XX/XXXX.
i have had a debt that was suppose to come off of my report XXXX account was opened in XXXX of XXXX according to a previous credit report, it showed when it would be removed. the reporting agency also said during the most recent dispute they updated my information based on a previous investigation.. All I ever did with this account was give them documentation to prove that I did not owe the debt. and all they did was adjust the amount owed to a couple hundred less. upon reviewing the new credit report where it should have came off. they have now updated it to remain for another year and changed the dates for reported to XXXX which is clearly untrue by the documents i am providing. they also changed the date of status from XXXX to XXXX. once again I never made any payments to this account or updated any information other than to prove i did not owe. I currently have this debt taken off of my other credit reports because its legally passed the amount of time it can be reported on.I included that credit report to show when they started reporting and when they opened the account for collections
On XXXX XXXX, 2016 my debit card was used in another state repeatedly the transaction came out to {$740.00}. This is a debit card from Social Security income which says my money would be safe and secured. On XXXX XXXX, 2016 is when I realized all my funds were gone immediately i called customer service. I asked why was n't the card disactivated when transaction were being made so far repeatedly. I was sent investagation forms which took them a week to get to me. I still have n't received any kind of information nor any refund they told me maybe I get my money back on the card itself it says it is insured.
XXXX XXXX card has not provided my signature. Signature is 100 % verifiable verification. Matching an address and email and phone number is not 100 % verifiable verification by law. I also had an attorney to find the licence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. It could not be found by the attorney. I 'm asking for the licence of this company as stated under statue 225 ilcs 425/4 to do business in Illinois. Please provide both of these documents. It is against the law in Illinois to do business. Letters have been sent to the Illinois attorney General and Illinois business to confirm there licence in Illinois. Please forward info with that address and not to be confused with a holding or pass through entity.
I have sent a couple certified letters requesting my loan documentation and ( VNB ) valley national bank refused to send them. I specifically want a copy of my signed contract and any legal notices they claim to have sent. 
I am demanding a copy of your signed contract and full payment history, because I believe i may have  been a victim of some unethical loan practices. The resulting credit errors are causing me financial hardship.
There is a collection company listed XXXX on my credit file AFNI collecting for an XXXX bill # XXXX {$360.00} and then an account # XXXX {$0.00} unknown and false information listed. I would like to receive actual validation of a signed contract on these. Requested and disputed nothing received.
SEVERAL CALLS AND VOICEMAILS THREATENING ME THAT I HAVE PENDING CRIMINAL CHARGES AND WILL BE SERVED. I HAVE VOICEMAILS THAT HAVE BEEN LEFT ON SEVERAL OTHER PEOPLES VOICEMAILS WITH ALL MY PERSONAL INFORMATION THAT IS VIOLATING MY PRIVACY. I WAS ALSO NEVER READ THE MINI MIRANDA.
1. Portfolio Recovery has not provided any competent evidence that I have any legal obligation to pay on the account in question. 

2. Portfolio Recovery did not validate the account before reporting collection to the XXXX credit bureaus 3. Portfolio Recovery falsely reported new account activity on my credit report that has resulted in a damaging credit rating and inability to open credit. 

4.Portfolio Recovery has not provided any written agreements in place between its firm and the client they allegedly represent