WillisBack/dataset-financial-user-claim huggingface dataset:
I have a XXXX XXXX account. The last four of my SSN is XXXX. 

On XX/XX/XXXX I paid my credit account off and on XX/XX/XXXX the account was updated on my Equifax credit report to show a {$0.00} balance. However, on XX/XX/XXXX, XXXX XXXX updated my credit report account again to show a {$2100.00} balance, which is incorrect. I contacted XXXX XXXX to ask them why they changed the information and they simply told me I needed to wait until XX/XX/XXXX for the information to update again. This is unacceptable. I asked them to correct an error and they refuse to do so. 

I am trying to close on a line of credit for my business, and their mistake dropped my credit report score by over XXXX points. 

This issue needs to be addressed.
The XXXX XXXX company failed to accurately process my Income Driven Repayment plan. I sent in the recertification application almost three months ahead of the deadline but they only renewed 2 out the 10 student loans that they service for me. When I tried to call back two weeks ago, the lady on the phone said that they will recertify the application and run it again. I spoke to another man today to follow up and he mentioned that I need send in a form that the first lady never mentioned about to recertify my student loan payments for the IDR. While all this is going on, the XXXX XXXX reported to the credit bureaus about changes with my student loans that caused my credit score to go down by 20points.
This is my second time reaching out to XXXX, Equifax, XXXX XXXX to request a investigation on the following account. XXXX I am not requesting XXXX to validate the information that is reporting. I was a Victim of Identity theft I have provide the police report and FTC regarding this account. After contacting the first Collection that was reporting the account XXXX XXXX XXXX XXXX this company sold the account to XXXX XXXX XXXX. After I requested the company to remove this account due the fraud. I am requesting XXXX to BLOCK the reporting of this account from being reported and resold by debt buyers.
XXXX continues to claim I owe them {$900.00}. I have never opened an account with XXXX and they can not supply you with a single signature or contract which I have signed proving so. This collection agency has n't even contacted me to resolve any issue. They directly went to the credit bureau reporting me which is also against FCRA policy. This has been deleted from my credit report 4 different times with XXXX different collection agencies. Please assist me with this. Further proving my point, they also had an address on file for me that I 'd never lived at before. I attempted to explain this to XXXX and they acted like they would remove my name from the debt. Afterwards, I began receiving bills for {$900.00} from debt collection agencies. I get at least XXXX I have to request removal from my credit report twice a year.
I had my XXXX around XXXX 2012. I was sent to XXXX for my XXXX. After my results were sent to my doctor, she insisted I came in to see her. When I got there, she told me I was fine and should continue with my vitamins. The next thing I saw was a bill for coming in to hear the results for my XXXX. Note that I had already fully paid for my XXXX This is information that she could have told me over the phone, by mail, email or even put on my online account with her Practice. I have explained to the Doctor 's Practice ( XXXX XXXX 's XXXX ) that I dispute this bill and that they were free to take me to court if they felt otherwise. Instead they have continued to harass me with invoices and through a collection agency called Creditor Claims of America , Inc. I have advised this agency in writing and through phone calls that this debt is disputed but they continue to harass me.
I have had an account with DriveTime for over year now since XXXX XXXX, 2014. Since this time I have made monthly on-time payments via direct debit from my checking account. These on-time payments are not being reported to any of the credit bureaus. I 've contacted DriveTime about this issue and they told me they were having a dispute with the credit bureaus and once this was resolved my account would be reported. They also sent me a letter stating it would be corrected. As of today 's date this is still a problem and is causing an issue for me.
I conta  cted New Day USA for a mortgage refinance on my current mortgaged property.
I was then called 1 m  inute later by a sales representative named  XXXX   XXXX  who asked me questions to apply for a mortgage loan with them.   First, he says " thank you for your service ''. I hate that.   After enough questions he asked to do a credit check and asked me for m y SSN.    Unfortunately, I gave  him my SSN.   XXXX  said m y credit score w as  XXXX .   After asking that only then did he ask about my employment situation and since I have n't worked for an employer in 5 months, he could n't qualify me for the loan.   I told him I have investment income ( stocks ) from dividends and I have a job starting on  XXXX   XXXX . But that was not enough. So, I asked him why could n't he have asked that question prior to running a credit repo rt with my SSN?    He said " that is not how it works ''.   Well, that should n't be how it works and now my credit is negatively affected and have not been approved for a loan.   They hurt veterans, not help them.
This company is called National Credit Adjusters and they took over a loan that I paid in full through a consolidation program, however, they continue to harass my personal phone and are calling me on my work phone everyday and I have asked them to stop. I have sent them cease and desist letters from my lawyer and they continue to call. The phone number is XXXX OR XXXX - they will not quit calling and I do not owe them money. This is a FDCPA Violation.
I went to XXXX XXXX and recieved little to no government assistance for some unknown reason, considering I was not dependant on my parents at all. This forced me to turn to private loans. Now, I have almost XXXX in private student loan debt. The monthly payments are {$1200.00} and I can not afford to live. Even after making this payments on the loans, my interest is 9 % ,8 %, 7 % interest so that the loans continue to get bigger. I own two businesses and would otherwise be doing well for myself. I have called, emailed, sent in letters to the private loan companies, only to have them raise my rates instead of lowering them. There is no end in sight, I would have to be making XXXX per year just to live a normal life. Where is the protection on these loans? Why ca n't I refinance them? 

The fact of the matter is this, this rock is too heavy to lift because it causes me to have a horrible credit score. Bad credit = no loans to buy a house or get money to start another businesses. It 's a vicious cycle and I have exhausted all of my options. I can not refinance them because no one will lend me a better rate because of my credit ( even though I make every payment on time ). 

Please help me do something, anything to get out of this debt trap I am in. It has caused me to tell everyone I know to forgo college until this fraudulent behaviour is fixed.
We are all aware of the numerous Wells Fargo account fraud scandal. I would like to make you aware of another distressing situation concerning Wells Fargo. 

On Saturday, XX/XX/XXXX I made an ATM deposit and deposited a check in the amount of {$12000.00}. This check was from my business account at XXXX XXXX XXXX XXXX XXXX. The check was made payable to me and signed by me. During the ATM deposit I incorrectly stated that the amount was {$1200.00}. Today is XX/XX/XXXX and none of this {$12000.00} is available even though the funds were removed from my XXXX XXXX XXXX XXXX XXXX Account on XX/XX/XXXX. Yesterday on XX/XX/XXXX I spent 75 minutes of my time on the phone with various Wells Fargo associates. Initially I was told that Wells Fargo had placed a hold because they were unfamiliar with the bank. Then I was told that one of the numbers on the check were wrong and hadnt been cleared and verified by XXXX XXXX XXXX XXXX XXXX, but yet the check cleared as {$12000.00} was removed out of my XXXX XXXX XXXX XXXX XXXX Account on XX/XX/XXXX. 

According to Regulation CC they are required to make the first {$5000.00} available. I am being told that my funds will become available on XX/XX/XXXX or XX/XX/XXXX. 

Although I dont need the funds right now I believe these ludicrous statements are also being made to other WF consumers who actually may need the funds and that they are utilizing the funds during this period of time while making it unavailable for withdrawal. 

My case number with Wells Fargo is XXXX And the Wells Fargo Executive Phone number I was given to follow up on my case is XXXX. 

Thank you
Previous obligations of paying for medical transport expenses have been practiced by self, without any need for further action being taken by the company of XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. These independent arrangements of payment conducted by self were without ample warning of any kind of " unacceptable '' payment, as each payment was accepted and each personal check was cashed as to accept. As well, there was no standard legal practice of my receiving warnings written of the eventual possibility of my being reported to a credit bureau. This credit bureau created its first report of negligent credit to me as of XXXX XXXX 2017. There ate 2 amounts that have been reported to this agency. One is on the amount of {$540.00}. The other amount is for {$180.00}. Both amounts are for the same ( medical transport services ). This credit bureau is named CSBC, which has the address of XXXX. XXXX XXXX, XXXX XXXX, Ohio XXXX. Further proof of acceptance of payments can be available upon request to the bureau of CFPB.
My Mortgage is being serviced by Seterus, Inc out of OR. I asked for a payoff on XX/XX/XXXX was told it would take 7-10 business days or less. When not receiving the payoff I called the Call center for Seterus and was told due to my account being a Chapter XXXX bankruptcy that the account would take sometime to get a payoff. I had previously received payoffs without trouble XXXX XXXX and in XXXX XXXX. I had secured a refinance from another bank and was near closing when I asked for this payoff.
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My bankruptcy was Discharged in XXXX XXXX. I have not missed any payments on this loan during the bankruptcy process or since and the loan was always secured 100 % by the property value therefore therefore there was not a " Cram Down '' involving this lender. However on all calls I have made in concern of this payoff the only explanation I have been given is that the delay is due to the bankruptcy, complications with Chapter XXXX XXXX  and a " Cram Down '' making calculations difficult. On one of the recent calls, XX/XX/XXXX I was told by the call center operator that she could see in my file that the accounting on my loan was finished on XX/XX/XXXX but thereafter the payoff was marked cancelled in my file. On all calls to inquire I have been told the supervisor was escalating '' my request and I still have not received the requested payoff. I have now lost my rate lock on the new and approved refinance.
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On XX/XX/XXXX I called XXXX XXXX XXXX  XXXX ( XXXX XXXX ) in XXXX  TX, who is the institution that owns my mortgage and uses Seterus, inc. to service and collect. I Spoke with a representative and explained the circumstances. He was very curious and asked good detailed questions to get an understanding of my circumstance. He said he was unable to circumvent Seterus, Inc. and give me a payoff direct from XXXX XXXX but he would do what he could to look into it from his end and contact Seterus, Inc. and that he respond back to me but told me he may not hear back from Seterus, Inc. for up to 15 business days.
I have a Google Wallet account which I use for several different services provided through Google, Inc. Abruptly, and without warning, my Wallet was closed. I was not provided a reason. They told me that there was suspicious activity, and asked for verification information. I provided : a photograph of my passport, a photograph of my Driver 's License, the credit card on file, another debit card from my current banking institution, and a photograph of myself with the date and time, confirming that I was who I purported to be. 

I have attempted to resolve this issue through their resolution center several times, but they have done nothing, except leave me vague e-mails and point me towards their Terms of Service, which appears to be a contract of adhesion, giving the company the power to do, essentially, anything they wish to do. This strikes me as unfair. 

Moreover, they claim they are not a bank, even though their service allows you to make deposits, withdrawals, issues a credit card, provides bill payment services, and fund transfers. 

What, exactly, is one person supposed to do against a monolith like this when they have a problem? If XXXX XXXX XXXX abruptly shut down my account for no reason, I have a feeling the SEC, FTC, and your agency would have several questions. Why is a technology firm except from this scrutiny?
The Card company ( Netspend ) has been taking money out of my accounts with them and when I try and dispute the issues they claim that I used the Card at previous stores then they told me to file a dispute claim with there online system and that I would have to wait 10 business days to get the money back to my account. When the 10 days had passed Netspend claims that there was no issue every time I made a dispute about any of the issues they never fixed it when I would see it on the online account portal they would remove it and there would n't be any traces of how they were taking out the money from my account. They claim that this is n't true but this is what happened. When I called there customer service phone number this morning to find out why my account had been locked and why my paycheck had n't been received yet the representative stated to me the account had been closed out yesterday afternoon at XXXX central time when I asked who closed the account the representative replied their risk department. I stated to the representative that I did n't request for my account to be closed and he stated to me that I am no longer eligible to receive or have a Netspend account and he kept repeating the same thing for an hour when I requested to speak to a supervisor the representative repeated the same thing telling that I am no longer eligible for a Netspend account and that the risk department closed my account without my knowledge or consent and when I asked the representative about what suspicous activity was going on with my account he would n't say and he kept repeating the same thing telling me that I am no longer eligible for any Netspend account and then I requested again firmly to speak to a supervisor he took an hour to connect me to a supervisor and the supervisor never picked up I was on hold for three hours and no one picked up no one resolved my issues they have been taking money out of my accounts for almost a year and this is a huge hardship because I have bills to pay for and a child to take care of. I ca n't by food for my child or my self. I ca n't even pay for transportation to and from work or even emergencies.
Received a call at XXXX XXXX, to my knowledge debt collectors are not allow to call in Texas on Sunday before XXXX
walmart credit card aka : synchrony bank, closed my bank account with them. i received letter XXXX XXXX, XXXX this bank action has adversely affected my credit rating. it went from XXXX to XXXX when i called the bank after receiving the letter i was assured that the bank had made an error and that it would be reflected on my account. ( which he said, " i had not missed a payment but that the payment had not been received due to bank error '' ) now my credit has suffered XXXX point drop for the admitted error of this financial institution. 
my credit shows right now that i was closed due to lack of payment. 
when i made the first payment, well before my due date, i did it through a walmart money card, for walmart recognizes this payment method, i used a live operator and paid the bill in full. 
i then received the letter cancelling my account. it seems even using all of walmarts products and live operator the payment did n't go through and i was not told at the time that the payment did n't go through, and i was not called later. 
i complied with all rules well before due date ; using well established protocols and still they failed at their job and i must suffer for their incompetence. 
the bank must correct this false statement. or it must pay compensation for publishing false statements. 
i have spoken to a bank manager and was assured that this would be cleared up. but i can see now that he just wanted to end the call ; so he lied and did nothing.
AFTER REINVESTIGATION, 14 accounts are still being reported by EXPERIAN with an UNKNOWN STATUS. The account names are Department of Education/XXXX XXXX -- there are 14 of them with the same account numbers, i.e., XXXX -- may even be duplicates. 

The other one is XXXX, Account # XXXX with an Status Unknown. 

The continued reporting of " DISPUTED UNVERIFIABLE INFORMATION '' after SEVERAL reinvestigations WITH AN " UNKNOWN '' STATUS, violates the FCRA and [ 15 U.S.C. 1681 ] as it states : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
RE : REQUEST FOR REMOVAL OF INQUIRIES To Whom It May Concern : Section 609 [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], there should be no charge for this information. 

Please remove the following inquiries from my report I have no knowledge of these companies. 1XXXX 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 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 XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely, XXXX XXXX
There were a credit inquiry placed by XXXX XXXX of Delaware on XX/XX/XXXX. This should have been a " account review inquiry " and not a HARD INQUIRY placed on my credit report. I recently opened this account in XX/XX/XXXX so why would I purposely apply in less than 30 days?
Enhanced Recovery Corp. has bought a debt from XXXX XXXX. XXXX has reviewed my ID Theft Report and has seen I was a victim of Identity theft. XXXX XXXX. removed the account from my credit. Enhanced Recovery continues to report the account as mine
I have notified XXXX XXXX and XXXX XXXX ( Core Logic ) via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I have not gotten any responses from XXXX XXXX ( Core Logic ) or XXXX XXXX.
Roughly three years ago, I purchased a new home at XXXX XXXX XXXX, XXXX VA, XXXX. From the point of closing I said up an escrow account to be sure that all my taxes and insurance were being paid in a timely manner. However, from the point the mortgage began, the company who is servicing my account " Select Portfolio Servicing ( SPS ) '' has been delinquent in paying my taxes every single time. Every month I receive threatening tax collection notices from XXXX county and the tax collecting company that they use. I then have to spend hours of my time every month tracking down SPS to make sure they are paying the county, and then following up with the county only to find out that despite promises SPS did not make payment. The pattern repeats itself every six months when my taxes are due. SPS does not make payment, the notices come in, I have to rack everyone down, SPS still drags their feet, and eventually they pay, after incurring massive interest and penalties. One one occasion I even noticed that SPS was making me pay for the late fees. After I pointed this out, they reluctantly paid me back, but did not compensate me with interest, which is ironic considering how much interest they charge me for borrowing money from them. I am a pretty sophisticated consumer, but even I am uncertain if they are still charging me for the late penalty.
My spouse called in my behalf to resolve my account and attempt to avoid defaulting on my account. I recently qualified for income based repayment but continue to be passed due on my account. I do not understand how i qualified for ibr but am still expected to make such an extravagant payment to make it current and avoid default. I need help. I am trying.
On approximately XX/XX/XXXX I contacted American Express regarding how I can reduce the high interest rate American Express is charging on my credit card or how I can enter American Express 's debt settlement program. I was told by a XXXX XXXX XXXX that American Express has a debt settlement program that was available for a monthly charge of $ XXXX/month at 7 % /year for 5 years. When I followed up with American Express in early XX/XX/XXXX I was sent to 4 different extensions without ever receiving an answer regarding American Express 's debt management program. I was, also, told American Express could not locate XXXX XXXX.
In XX/XX/XXXX My sister and father and where killed in a car accident. I wrote letters to the school and nelnet with no response asking to remove the late payments due to the situation. To no avail nothing happened. In XX/XX/XXXX I lost my grandmother due to XXXX, I had a XXXX at the funeral. XX/XX/XXXX I became homeless. I have consolidated all of my loans and everything is up to date. I have several classmates that late payments were removed due to loss of work. What about loss of life!! I ca n't find work in my profession due to these late payments my score has dropped so low due to these pate payments I am begging Nelnet to give me a second chance and please remove them for me. I have suffered so much over the years. I just want a job so I can pay my student loans off and everybody is running a credit check. I served 10 years in the XXXX XXXX XXXX. I put my life on the line for my country, and I ca n't even get help from my country when I am suffering.
XXXX would not itemize the charges they gave me after closing an account with them at XXXX XXXX XXXX XXXX Every month was paid. They charged for not returning equipment, but I never rented equipment from XXXX. It would be in the XXXX statement and subsequent statements since there is a monthly fee to rent their equipment as far as I know. 

I made many attempts to work this out with XXXX. Representatives said they would send me an itemized list of the charges, but they never did. It was later given to a collection agency, but I do not owe anything as far as I know. If the reason for the charges were given, I would understand what I am paying. But, if they were misinformed about the equipment, I believe these charges are misplaced.
I 've contact the companies that 's in questions I was told to contract the credit bureau.I be contacted the credit bureau several times.I was told its factual it ca n't not be changed to contact the actual companies.Several times the customer representative has hung up the phone one me when I told them the informative was incorrect they were given me.