WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016, I purchased a brand new XXXX XXXX XXXX at a full price of {$750.00} from a XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, MA, XXXX. As part of the transaction, I traded in a used XXXX XXXX for a value of {$9.00}. This credit was applied to the cost of the new phone. Even though I was able to, I was told that I could not pay the entirety of the full amount at that single transaction. {$600.00} of the total cost was financed through XXXX, and I paid the remainder ( minus the {$9.00} credit, plus a tax of {$46.00} ) which came up to {$180.00} to XXXX XXXX. I went home that night and paid the {$600.00} which had been financed ; I paid it online through my XXXX account. This completed payment of the full cost of the phone. On XXXX XXXX, 2016, I switched my phone service from XXXX to a more affordable service, and did not incur any penalty fees with XXXX, because my plan with XXXX was on a month-to-month contract and I was free to switch anytime. I received the first letter from XXXX XXXX dated XXXX XXXX, 2016 ( letter attached ), stating that I owed XXXX XXXX {$200.00} for terminating my service. I wrote them back on XXXX XXXX, 2016 ( letter attached ) disputing this claim and asked for proof of my debt. XXXX XXXX wrote back on a letter postmarked XXXX XXXX, 2016 ( letter attached ) reasserting that I owe {$200.00} and falsely claimed that they had sent me the purchase agreement I signed during the purchase of my phone. I wrote back again on XXXX XXXX, 2016 stating that they did not send the document and I reasserted that I do not owe them {$200.00} and asked for them to send the document if they have it so that I can address the matter further. In the meantime, XXXX XXXX retained a law firm, Aldolus & Associates, to collect this debt from me. The law firm reached out by phone and when I asserted that I was incorrectly being asked to pay a debt I did not owe and that I was not going to pay it, they threatened to report the debt on my credit report. I told them I needed proof of the debt and they told me to send a written request before proof can be sent to me. I received a follow-up letter from Aldolus & Associates dated XXXX XXXX, 2016 ( letter attached ) about the debt and I sent the written request for proof of the debt on XXXX XXXX, 2016 ( letter attached ). I am yet to hear back from Aldolus & Associates, but XXXX XXXX finally sent the purchase agreement which I signed, postmarked XXXX XXXX, 2016 ( agreement attached ). The Wireless Device Agreement section of the purchase agreement ( beginning at the bottom of page XXXX and ending at the top of page XXXX ) clearly states that only if a customer receives a discount on the phone from XXXX XXXX and also terminates service with XXXX before the end of 185 days, that customer would owe XXXX XXXX an early cancellation fee of {$200.00}. I never received a discount on the phone from XXXX XXXX, so this section of the agreement does not apply to my transaction with XXXX XXXX and I have been wrongly charged a fee of {$200.00}.
XXXX XXXX XXXX has 2 payday loans on my credit file with XXXX  as they stated in a letter there XXXX  now or the same company. I have not applied for no on line loan with CNU or any other on line company or any pay day loan. CNU On line holdings is no more than fraud. I have file an complaint with the US attorney office as the justice department on XXXX  & XXXX XXXX XXXX for and by I'm on OPT out and XXXX is using a another company to use deception with merges etc.
I submitted a request to the Department of Education for the forgiveness program and was told I did n't qualify for it because of the type of loan I had. I graduated in XXXX and the only type of loan that was available was the FFEL. It is n't my fault that they type of loan that is being forgiven does n't include the type that I have. I was n't allowed to change and would n't get any credit for the payments I have made. I still have over {$30000.00} outstanding and having been working at a nonprofit since XXXX. This needs to change. I was misled or would have attempted to refinance long ago so that I would have the 120 payments credited towards my forgiveness. I need help in getting this rectified
Currently all three credit agencies Experian, XXXX, and XXXX have on my account that I have had a real estate foreclosure. This is incorrect as I still own this property and the bank has not been able to successfully foreclose threw court. The mortgage has a lot of issues and is currently in legal proceedings. I find it that reporting I have a forecloser is purposely damaging my credit report. They have been asked to remove this from my report. Until they receive court documents from the state hawaii that verify in fact that this property has been foreclosed on this should not be on my record or listed as a forecloser. The court has not made a decision on this matter since being in court since XXXX till current. It is not the credit reporting agencies right to report false information due to the request of a third party and has for the last couple years adversely effected my credit score and credit decision and has cause damage to my credit worthiness. This matter has been brought before and asked to be removed and hasn't. This mortgage debit is also over seven years old and payment hasn't been made since XXXX due to banks failure to provide information on who payments where being made to and other issues outside of a credit reporting agencies business of reporting credit related items. This violates credit fairness and truth. That a third party having nothing to do with the mortgage and loan was allowed to make this request and it be included on my report.
I received an updated XXXX credit report today and still the accounts that I am disputing are still reporting. I tried to call XXXX XXXX you can't get through to speak to a person. I then tried to dispute the information ( AGAIN ) online and was unable to do so. There are 3 accounts that should not be reporting on my creidt report. 1 ). XXXX XXXXXXXX XXXX this account was deleted off my XXXX   report after there investigation. XXXX should have received the same response and delete but they did not do it. 2 ). XXXX XXXX  XXXX XXXX XXXX. This is a fraudulant account with fraudulant charges. It was investigated by XXXX and determined that there were fraudulant charges and deleted off my XXXX report. XXXX  ( if they did a real investigation ) they would have received the same response to remove off the report. 3 ). XXXX department store. This account was NEVER paid late and again XXXX fixed it and put this account as accounts that are satisfactory and took it out of accounts that are potentially negative. Also my balances on my 2 XXXX  XXXX cards are incorrect I do not owe as much as what they are reporting. My balances are much lower. Also my XXXX 's card I do not owe the balance they are reporting. I have been trying to clear this and fix my credit report to show the truth and XXXX I feel is not doing a complete investigation. I have also been threathened they will not re-investigate the XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX unless I provide additional documentation. I should be able to dispute this as many times as I want as this is my creditworthiness and having this incorrect information is causing me a hardship. I can't even get to speak to a human to clear this problem.
I did a payday loan a few years ago ( 2 ) I believe. I was in a financial bind and I was desperate. I did not want to be homeless. The loan I believe was for XXXX. I did not have the money to pay it back at that time. I got a call last year ( XX/XX/XXXX ) about they were going to take me to court and I was going to be a convicted felon and lose my XXXX. I was going to try and sacrifice and pay it but something did not feel right. I did not pay it. 
I get a email today XXXX/XXXX/XXXX saying that they are coming to arrest me and I am going to lose my XXXX and they are going to take my money and I am going to be a convicted felon. I am scared but I know that it is illegal for them to do what they are doing. So my question is what can i do? I am willing to pay XXXX a month but that is all that i can pay. I am XXXX and I dont want to be homeless. I have XXXX and so I need help on what to do.
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the ECRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed.

Please resolve this matter as soon as possible. 

Thank You.
I paid off loan received pink slip i paid over 7600 in interest on a XXXX title loan they put me as a charge off on my credit report this company is nothing more than extortion.
I am disputing this paid collection reporting bye Augusta Collection Agency. This account was closed and returned to XXXX XXXX XXXX. They have no legal right to report anything. 

Please see the attached documents for greater details as there is not enough space here
Navient is my loan holder of which I am disputing the principle and interest allocations of my payments for account XXXX DL Consolidated Unsubsidized loan.
My personal social security and identification information was shared by Experian through the XXXX data breach. According to my credit reports, there is fraudulent activity that I did not authorize in a state I do not live in. The fraudulent activity took place during the summer of XXXX in line with the dates of the data breach.
This company is reporting an outstanding debt with a balance on my credit reports as a charge off and judgment. They sold the debt to XXXX XXXX XXXX and that is who was paid. When I called Barclays Bank to ask why they were reporting the debt as an outstanding charge off and judgment they told me they have no information on the account because they no longer had it. This is very frustrating for me because they are still having the account reported with a balance as a charge off and judgment. The account number is XXXX.
Arkansas XXXX XXXX XXXX , XXXX was paid in full on XXXX XXXX, 2014. We have the letter from them stating the account is 'PAID IN FULL '' and the Promissory Note marked " PAID IN FULL ''. This has been continuously reported unpaid. Account # XXXX. I, XXXX XXXX, was guarantor on the note, the note is originally in the name of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 
The paid in full came from XXXX XXXX General Manager.
I have my account setup on AutoPay for the minimum balance. On XX/XX/XXXX I incurred a {$2.00} minimum interest charge. I was appalled. I contacted PayPal customer service who refused to wave the {$2.00} interest as a courtesy.
Discover is incorrectly displaying my balance. The math by Discover dos not add up. 

Last Statement Balance = {$850.00} Posted Transactions = {$0.00} Payments and Credits = {$0.00} Current Balance = {$1100.00} Please do the math. {$850.00} + XXXX = {$850.00}. It does not equal {$1100.00} Additionally, there is Pending Transactions of {$56.00}. Even if those the Pending Transactions are included in the Current Balance the balance would still be off by {$190.00}.
I recently disputed the creditor XXXX '' status of showing '' Open '' and listed under ''Installment Accounts ''. This account was included in my XXXX that was discharged on XXXX/XXXX/16. 
I 've disputed this matter 2X 's with them as well as with CFPB, i was advised by Equifax on the CFPB Website that this matter was not showing in the open status, and showing currently in '' XXXX Discharged as of XXXX/XXXX/16. This is not true both myself and CFPB have been misled and told false information. PLEASE See Attachment showing Equifax Credit Report XXXX showing that this account is indeed showing ''Open '' and listed under ''Installment Accounts '' Please see CFPB Complaint as of XXXX/XXXX/16 stating ''CFPB Complaint Resolution '' I 've continue to deal with these inaccuracies as well as others on my credit report, with Equifax , these inaccuracies are not only causing an issue to my credit but to me and my family.
I recieve atleast XXXX calls and voice message alerts everyday from this agency to collect a debt for a cell phone bill. Even after I speak with an Agent I still receieve calls all day long. When I ask the agency they say that its their automated system. They say the automated systems calls XXXX times a day. The agency calls me from many different numbers some of which include XXXX, XXXX, XXXX, XXXX ... etc
RushCard offered " Rush Goals '', separate accounts used to accomplish specific goals, like a " Savings ''. All of my goals have disappeared along with the funds that were included in them.
Discover Bank Inquiry from XXXX XXXX, 2017 DID NOT APPLY FOR THIS CARD
My name is XXXX., and I sometimes get up to XXXX XXXX XXXX cellphone calls and ( XXXX ) voicemails ( XXXX contacts altogether ) each day, from XXXX. I do n't know these people, and I do n't owe these people. They call me all day long, even when I 'm in the middle of conducting lectures with my college student 's, and It 's driving me crazy! 

I told them earlier today that I would turn their information over to the FBI, and I am starting first with your agency. 

If you have any questions at all, please contact me on my cellphone at XXXX, or by email at XXXX, and I will assist you in any way possible. 

Ever grateful, XXXX
I have written twice for verification, of my signature, that this debt is mine, and twice they sent nothing that verified it was mine, then another letter stating that they sold my account to XXXX XXXX, but yet they still report on my credit report with no proof it is mine. Any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from their company or any company that they represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, they need to request that all credit reporting agencies delete the entry.
IN REGARDS TO : UNITED REVENUE CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX. ON XX/XX/2017 A CERTIFIED LETTER WAS SIGNED RECEIVED BY XXXX XXXX FROM USPS. I HAVE NOT GOTTEN A RECEIVED INFORMATION THAT I REQUESTED A DEBT VALIDATION LETTER ASKING FOR PROOF OF THE DEBT THEY CLAIM I OWE AND PAPERWORK BEARING MY SIGNATURE. I HAVE YET TO GET A RESPONSE YET AS ALL THREE ACCOUNTS REPORTING ON MY XXXX REPORT HAVE DIFFERENT ACCOUNT NUMBERS BUT SAME AMOUNT. THEY HAVE NOT FOLLOWED THE ( FDCPA ) RULES AND REGUALTIONS. I KNOW THAT MY RIGHTS ARE TO BE PROTECTED BY THE VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES. THEY HAVE NOT VALIDATED THAT THE DEBTS BELONG TO ME BUT INSISTED ON BREAKING THE FDCPA RULES OF REPORTING WHILE VALIDATION WAS IN PROCESS THE COLLECTION AGENCY IS NOT ALLOWED TO REPORT TO ANY OF THE 3 MAJOR CREDIT BUREAUS. I AM JUST TRYING TO STRETCH MY RIGHT TO REQUEST VERIFICATION UNDER 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
In XXXX I filed a complaint with you about 2 charges that showed up in my credit report from the Collection Bureau of Fort Walton Beach. One is for XXXX XXXX XXXX ( I have n't used this place in at keast 10 years ) and the other is XXXX XXXX XXXX ( I do n't even know who this is ). I believe you assigned one of the accounts XXXX, but I ca n't get back to the page at this moment to get the other number. In their response they said they would send me something verifying and proving that these charges are valid and are indeed mine, but as of this date, XXXX XXXX, XXXX, I have not received anything from the Collection Bureau of Fort Walton Beach. I provided feedback to the extent that I was hopeful they would send me the requested info as they said they would, but I should n't have sent feedback so soon. If they ca n't provide me with the verification, these charges need to be removed from all of my credit reports. I am not going to pay a charge that ca n't be proved to be mine.
XX/XX/2018 I Called XXXX XXXX and Paid Complete Balance XXXX ( approx ) In Full Via Phone. 
BEFORE I MADE THE PAYMENT, I ASKED IF THE DEFAMATORY REMARKS AND THE INCORRECT STATUS ON MY CREDIT REPORT WILL BE REMOVED. I SPOKE TO XXXX PEOPLE WHO CLEARLY STATED ALL REMARKS EXCEPT XXXX 60 DAYS LATE ON ANY PAYMENTS WILL BE REMOVED " CHARGED OFF XX/XX/18 '' AND BALANCE OWING XXXX WILL BE REMOVED. 
XXXX XXXX HAS A RECORDING OF THIS CONVERSATION WITH BOTH EMPLOYEES. 
XXXX WEEK OF XXXX I CALLED XXXX XXXX EXPLAINING DEFAMATORY REMARKS AND INCORRECT STATUS NOT UPDATED. I WAS TOLD BY A XXXX XXXX EMPLOYEE THAT THE XXXX STAFF MEMBERS I SPOKE TO WERE WRONG, REGARDLESS IF THERE'S A RECORDING, THEY WILL NOT CORRECT THE ERRORS ON MY REPORT. THIS IS FALSE REPORTING. 
PLEASE LOOK INTO THIS AGAIN. THANK YOU
I would like to report Wells Fargo for several unfair business practices and total lack of customer support. On XXXX XXXX, a person whom I shared an account with setup a checking account without my knowledge and then linked that account to my personal checking account without my approval. This person then transferred all of my personal money and left me completely broke. I notified Wells Fargo of this because it 's no different than someone I do n't know finding out my checking out information and doing the same thing. I reported this to Wells Fargo as soon as it occurred and Wells Fargo refused to accept this as fraud and allowed this person to get away with stealing. Wells Fargo advised me that I can close this account and still receive the direct deposits I was anticipating. However, the direct deposits did not post or transfer to my new account as Wells Fargo ensured me they would. This has resulted in me losing a crucial severance check from my previous employer. No one at Wells Fargo showed customer service or sympathy to my situation and I want to elevate my concerns.
I have previously disputed with the credit reporting agencies and also filed previous compliants in refrence to XXXX XXXX XXXX and the alleged alligations that was being reported on my credit profile. The credit reporting agencies stated that they had verified the account and to contact the data provider in refrence to the alleged alligations to aquire physical proof. I have made several attempts to contact XXXX XXXX XXXX AND THEY HAVE FAILED to respond to my letter ( section 609 ). Im submitting physical proof of my attempts and also successful delivary of my letter to the data provider, per section 609 states if the creditor failed to validate the debt within 30 days it must be deleted. My letter sent was CLEAR as to what I was requesting. To provide me with physical proof to the alleged alligations being reported or DELETE IMMEDIATELY.
Up until 2 years ago I was never shown an option for IDR. My loans were always in deferment, which was the only option aside from forbearance that was ever offered. So for 8 years I was continually being charged interest. I researched on my own and found the IDR. I applied and obviously was approved. I didn't start working until 3 years ago. So the first 7 years my income was {$0.00}. Now I owe around $ 2k MORE THAN my original loan, 10+years ago.
Three yers ago I used my citi credit card to buy XXXX XXXX XXXX for about {$40.00}. Year later ( XX/XX/XXXX ) I found unauthorised charged from them for {$100.00} and got my money back at that time. Because XXXX is acting like fraud company I switched to XXXX and XX/XX/XXXX bought the same soft ware for the same market prise about $ XXXX.But XX/XX/XXXX,  surprise, most impudent company never sleep, again unauthorised charged from XXXX  {$100.00}. I got conditional credit from citi, but recently recieved letter dated XX/XX/XXXX from citi card company : " Marchant has provided the additional information. ... Since there is no detailed description of merchandise, we are unable to assist you ... Investigation is complete. We rebilled charge along with any related fees and interest charges. '' Is this just absurd or something worse?
On  XXXX   XXXX ,  XXXX  I purchased a mattress and box spring from   XXXX   XXXX  . They use Synchrony Bank for their financing. The cost was {$4700.00}. My payments are due on the  XXXX  of each month. I have been paying my bill almost a month early since the first month the bill was due. I do n't like having debt. On  XXXX   XXXX ,  XXXX  I received a message to ca ll Synchrony rega rding a past due bill. The call was answered by a non English speaking woman, so I asked to be transferred. I then spoke to a man who said he was in the collection department. He told me I owed {$220.00} the {$27.00} was the late charge. I then read him the dates and validation numbers for each payment. He told me that he could see the payments and that it is my fault because I pay ahead of time. He said he took the late charge off and brought my account current. I did n't get the feeling that he really did what he said and then I began to worry that th e may have re ported me to the credit bureau. I called back and again spoke toe supervisor who proceed to again tell me it is my fault and that he would n't even brother to see if I had been reported. He also told me he did n't even care if I paid my bill. This bank needs to change their computer to accept early payments and train their people to be customer friendly. From the comments I see, they really need to be put out of business. Please help me correct my problem before they destroy mu credit.
Accessed XXXX & filled out form. Selected Equifax for my credit report ( last requested an Equifax report in XXXX of 2014 ). Equifax site stated I had to request by credit report by mail. I did a bit of research and it appears this is because I placed a freeze on my credit reports after the Target & XXXX card number thefts. Can Equifax limit access to by credit report to a mail request vs on-line?
I deposit a large amount of money i won from a worker comp case in the amount of, XXXX ON XXXX XXXX,2016 ii need to be secure in knowing i did n't get erorr on this account.
Since my divorce in XXXX I have been scrupulously diligent in paying my bills on time. Only once in the past five years has a bill been over 30 past due and after calling the creditor ( XXXX XXXX ) it was found that an error had been made and they corrected it the next month. Recently my wife ( who had been paying the XXXX 's bill because she had purchased XXXX XXXX gifts for me ) missed XX/XX/XXXX payment and I promptly paid it. ( approximately 35 days after the due date ). I called XXXX 's at the time and they could offer no help in rescinding the credit report filing. 
I assumed that my current credit scores ( XXXX, XXXX, XXXX ) would drop about 20-30 points at most. My current scores according to my XXXX XXXX account are ( XXXX, XXXX, XXXX ). An aggregate drop of 86 points across all three major reporting agencies. 
I understand it is my responsibility to pay my bills on time. As is evidenced in the XXXX XXXX credit score report attached there is only ONE late payment in the past two years ( all the further back I could go with their system ) I feel that this significant of a drop in my scores is at best an error on credit bureaus part and at worst a malicious and damaging attack on my financial well being.
( j.p.morgan chase ) not professional or correct to capitalize their banks name. Violation of my individual due process in banking errors. ( j.p.morgan chase ) Failed J.P. Morgan Chase also in former complaints.