WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX was removed, paid in full and removed XXXX XXXX 2017. Through XXXX. The amount was XXXX. I was sent confirmation it was removed and paid in full from XXXX dispute service. After paid I waited and disputed to have it removed. Somehow miscommunication happened. Then it Reappeared, showing I was disputing a paid item. Now I look again it 's back on there as owed. It went from paid, removed, to paid, that I was disputing it was paid. To now a balance is showing again. I 've sent to transunion multiple times, it 's Been ignored. Then there is XXXX XXXX reappeared on XX/XX/XXXX. It had been removed years ago for inaccurate information and wrong amount. I have copies of credit report with this not on it. All the sudden it 's there. The original account was reported in XX/XX/XXXX. I called Transunion a week ago when I first seen it. They assured me they seen nothing opened on XX/XX/XXXX. Now it 's showing on all 3 bureaus.
Please see Complaint # XXXX-XXXX  On XX/XX/XXXX, XXXX XXXX XXXX installed a non-OEM windshield in my car. I gave them a check for {$100.00} for the deductible. In resolving the issue with XXXX to get the correct windshield replaced at the auto dealer, the XXXX representative recommended I cancel this check. However, this was not adequately communicated within XXXX and they accidentally sent it to a collections agency, Recovery One debt collection. When I returned a voicemail from Recovery One, the representative was extremely rude and belligerent. She gave me no opportunity to explain why there was no debt owed and instead she interrupted, berated me and threatened me that since it was past 30 days, it was going on my credit report. I submitted the above Complaint # XXXX-XXXX because 1 ) I wanted to be sure there was no entry on my credit report since this entire situation was an error and 2 ) I wanted to be sure that the law is followed and debtors are treated by collection agencies with respect and they are provided the opportunity to discuss a debt they are accused of owing. I understand this is stipulated in the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 ( Dodd-Frank Act ) which established the CFPB for the purpose of protecting consumers from abusive financial services practices. Recovery One 's response to my complaint # XXXX-XXXX on XX/XX/XXXX was " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' On XX/XX/XXXX I submitted additional feedback via the CFPB to clarify that Recovery One responded to the first part of my complaint ( ensure there is no entry on my credit report ) but not the second ( ensure consumers are treated with respect as mandated by the Dodd Frank Act ). Suddenly, today, XX/XX/XXXX, there is a new entry on my credit report ... a " New Collection '' entered today. I am left to believe this brand new submission is most likely a retaliation from my XX/XX/XXXX feedback. This is clearly an improper use of my credit report, utilized to further damage me in response to my exercising my rights with the CFPB.
My wife and I opened our accounts with Venmo which is a PayPal company. My wife transferred {$600.00} to my Venmo on XX/XX/XXXX, and then {$990.00} and {$800.00} on XX/XX/XXXX in XXXX transactions. However, Venmo froze my account and and wife 's account on XX/XX/XXXX. Next day they sent my wife and me an email to send Govt. issued ID for account verification. After I sent the docs on XX/XX/XXXX, and my wife sent on XX/XX/XXXX, they have not yet unfroze our accounts. It has been one full week and there is no satisfactory response from them. Their account team is email based. They do not talk on phone. I want to know 1 ) What process they follow for account verification? 
2 ) Is their account verification based outside of US? Because they seem to send emails at odd hours. 
They are using our money from last so many days and fail to respond and give a timeline as to when the account will release my funds.
Navient had notoriously taken my over payment and applied it to interest and advancing my payment due date, rather than applying my extra payment to the principle of the loans. This extends the life of the loan and the financial hardship on myself.
I recently moved and the only address that needs to be reflecting on my report is going to be XXXX XXXX XXXX XXXX XXXX ga XXXX ALSO the credit agencies keep lying about my hard inquiries i have disputed with both them and each individual company but yet they all refuse to comply there is no proof that these inquiries exsists and i certainly did not apply. I need to make sure that ALL HARD INQUIRIES ON MY REPORTS ARE DELETED BECAUSE THEY DO NOT BELONG TO ME!
im write for someone to help me with my mortgage i been fight with my mortgage company for over1 yaer .im doing a loan modification i send all my document i will call to check on my documents they will say call back in 2 to 3 day they to be scan in I call to speak to my relationship manage the number allways busy .call to speak to someone in customer service they tell me to send the same documents i just send.NOW WE ARE WITH A DIFFERENT MORTGAGE PLEASE HELP ME!!!!!!!!!!!!!!!
I have excellent credit and so I applied for a Citi AAdvantage credit card. I was sent a letter that my application was incomplete and could not be processed, but was given no explanation as to what was missing. I filled out the complete form for the credit card online. I tried calling the company and the employee told me there was missing information and that I had to call them back through my house phone. When I did, the company would no longer pick up my call, but a recording said a letter they were sending me would explain more. The second letter just said I was not approved due to missing information. I feel like I input a lot of private and correct information into this application and I was never given any explanation as to why I was not approved. I have checked my credit and it is fine. If there is any other reason I was not approved I believe I have a right to know. The phone number they sent me is a dead end. It asks for my SS # and then hangs up on me so I can not speak with anyone. I am afraid that this company has all my private information. What can I do?
I signed up for recurring ACH payments to take care of my perkins loan balance on XX/XX/XXXX. the XXXX XXXX confirmation # is Heartland ID : XXXX. 

These payments proceed without issue until my final payment. Heartland cancelled my recurring payments without my authorization and without notification a year and a half later on XX/XX/XXXX. 

My final payment was never deducted, I was not notified of an outstanding balance, and I was eventually placed into collections in XX/XX/XXXX. I was only made aware of an issue when I applied for a mortgage loan and was told there was an outstanding collection balance and late payments bringing my credit score down with XXXX XXXX. 

I attempted to rectify the situation with the servicer who told me that they tried to call me once the payment wasn't received and left a message. I obtained my phone records for the time that they claim and there is no record of a missed call, a received call, or voicemail from them on that date, or any other date. 

I inquired why my recurring payment was stopped, and I was told it automatically cancelled after a year which is inaccurate because they have almost a full year and a half of payment records from me on a recurring agreement. 

I believe there was some sort of clerical error within XXXX XXXX and instead of taking ownership, they are blaming me. 

I have phone records, and I have recurring payment enrollment receipts showing I made every attempt to pay this debt off in good faith. There is no verbiage on their website, or within my registration receipts that substantiate a claim of only 1 year term on the recurring payment structure. 

I have paid this in full, but due to their clerical errors would like the erroneous reporting of a late payment and collection removed from my credit reports.
My bank, Regions, has a way of classifying some transactions as pending. They stay in that status for various lengths of time based on some factor not known to me. My issue is that if my projected balance resulting from pending transactions reaches negative, Regions charges me a service fee, EVEN IF I make a deposit to cover the negative balance BEFORE the transaction that takes me negative is moved to non-pending status. 
The result is overdraft charges in my statement that appear without my balance ever going negative. 
This strikes me as Regions " having it XXXX ways. '' The way I see it, if I take care of a " pending '' negative balance before it is no longer pending, I should n't be charged.
Collection agency tried to collect dept, I informed them in writing that I dont own the dept and have no knowledge of it. Instead of providing proof of debt, collection agency placed a negative report in to the XXXX. When I called XXXX  to dispute it, exactly the same item was placed second time, which XXXX informed me that collection agency did it. Collection agency failed to inform me about its intentions to place negative record in my report which is agains low.
Someone used my bank account ( checking ) and debit card on XX/XX/XXXX. I immediately called the bank and they reversed the charges. On XX/XX/XXXX, they took money from my account stating that they had proof that I made the purchases. They took {$240.00} from me. I was forced to close my account because I was afraid they would take the rest of the money. The charges in XX/XX/XXXX were : XXXX + XXXX. I did not authorize these purchases and I have belonged to this bank for 30 years. I am concerned they are going to steal more money from me. I did not make these purchases and I am angry I had to pay for one of them already. In total 6 purchases were made. These are the two the bank is saying that I owe right now.
On XXXX XXXX, XXXX, I closed an account at XXXX XXXX and took the cashiers check to my Bank, Branch Banking and Trust, XXXX XXXX, XXXX Va, to open a savings account to be linked to my checking account. I have had a checking account with BB & T since XX/XX/XXXX and have always handled the account in a satisfactory manner. I had a balance of {$8000.00} in the checking account, collected funds. While at BB & T they treated me like a criminal, but that is not why I am complaining. I opened the saving account for {$20000.00}. Approximately {$19000.00} with the cashiers check and the other transferred from my checking account. I am complaing because they pulled a credit report on me without my authorization. It showed up on Equifax as a hard pull. BB & T never disclosed to me that they would be running a credit report. Now the inquiry shows up on my credit report indicating I was trying to get credit. I never asked they for any credit and told them that I had no interest in receiving overdraft banking or a credit card. They put the cashiers check on a 7 day hold, which was fine with me. This should have given the proper assurance that the transaction would be valid.
Rec 'd an invitation to apply for the XXXX XXXX in XXXX. Applied online. At the time of the invitation, I requested a balance transfer in accordance with their offer of 0 % financing, 0 % transaction fee. The card was approved and then sent out. I then rec 'd notice that they needed more information on the balance transfer so on or about XX/XX/XXXX, I called and answered some more questions and was told the balance transfer would be processed. On XX/XX/XXXX I rec 'd notice that I would be charged a XXXX transaction fee. I promptly called and have called in numerous times including to their executive offices support team ( XXXX ) onXX/XX/XXXX and was told they would review the case and get back to me. I called them again on XX/XX/XXXX to be told that they had sent out a letter advising me that the charge would remain on my account. I asked how this could be since I had sent in pictures of all of the documentation they sent showing XXXX transaction fees on all balance transfers. They said they needed me to send in the documentation again - which I have - I explained that the same terms noted on the invitation were provided with the credit card itself when it arrived. Please help!
Chase mislead my expectations when I applied for their  Chase Slate card to p erform a balance transfer. During the application process they asked for the amount that I would like to transfer, and upon completing the application, I learned they gave me a lower limit than the transfer amount I requested. Obviously, credit card limits are based on a clients ' credit worthiness. So, why would you ask me for the amount I would like to transfer, if that does n't have any bearing on the limit I will get on the card? Now, I 'm expected to ask for a credit line increase which will count as a second hard inquiry, and again, it was n't increased to the amount I asked to transfer. In essence, do n't ask your potential clients how much they plan to transfer to yo ur Chase Slate card  because the card limit is not based on the transfer request, but on their credit history, like any other credit card! I expected to receive a balance transfer of {$6400.00} and was subsequently approved fo r a Chase Slate card with  a limit of {$2000.00}. I spoke to their representative, and they said I would have to ask for a credit limit increase and I was approved for a poultry {$400.00} ( new limit {$2400.00} ). In what way does this " balance transfer card '' ( misrepresentation of this product ) help me eliminate the entire debt balance I was hoping to transfer? Simply speaking, if you had n't asked for the transfer amount I would have like, this situation would be less frustrating because I now ha ve 2 inquiries a nd a reduce d credit score for a pro duct that mislead my expectations. Alas, thank you, for misleading me into completing the application for this credit card disguised as a balance transfer card.
I applied for a refinance of my home mortgage with Freedom Mortgage on XXXX/XXXX/2016. Finally closed on XXXX/XXXX/2016. I received numerous requests for the same information. Delay after delay. Incorrect information on documents sent to me numerous times. A request for a letter of explanation from my employer for an error caused by Freedom Mortgage. I sensed a delay in wanting me to get frustrated and walk away from the refi due to the slightly lower interest rate and my adding cash at close in order to increase my equity and eliminate the need to pay for mortgage insurance.
I learned on the morning of XXXX XXXX, 2017 that Equifax had been a victim of hacking and lost over 100 million customers personal information, one-third of the U.S. population. My information was included in the list. The company improperly protected and stored my information. This leak will follow me for a lifetime and a single year of monitoring service is an unacceptable response/payment for the harm that could come to my financial standing for the rest of my life.
On  XXXX / XXXX /  XXXX   I was on the phone wi th Wells Fargo for ove r an hour ; no one has the " power '' to fix the issue. Got the furthest with  XXXX   XXXX  who said no one could refund more than one late fee and he was the highest person I could speak with.     To summarize the issue, on  XXXX / XXXX /  XXXX   I logged into  Wells Fargo Dealer Serv ices website to catch the auto loan up. At this time it said the balance due was {$250.00} on  XXXX / XXXX /  XXXX  , I made this payment at that moment, and scheduled automatic payments starting on  XXXX / XXXX /  XXXX  . Unfortunately, the amount due was not actually {$250.00} and an additional {$240.00} was due. I understand that at this time, but the website to this day displays incorrect information indicating that the loan is not behind a payment.
XXXX has been informed multiple times about incorrect information on my report, and refuses to remove it. Specifically due to Identity theft committed by my ex-wife, the XXXX XXXX XXXX account represented by XXXX XXXX XXXX in the ammount of {$240.00}. This account has been removed from all of my credit reports multiple times, but is put back on when XXXX attempts to sell me one of their monitoring products.
I live in XXXX and affected by hurricane XXXX and requested forbarence on my morgage on XXXX/XXXX/XXXX but they pulled my payment on XXXX XXXX So I Wrote on XXXX they contacted me and said they would do a wire transfer which took part of the day and creating so much stress I had to get medical treatment .I wrote XXXX XXXX and another supervisor contacted me his name is XXXX and he transfers me to supervised XXXX who said I had to authorize a transfer and I said I was medicated /sleeping after taking narcotic pain meds for my XXXX they caused and having a XXXX XXXX contact me to see if I was going to XXXX XXXX as I stated they would have my XXXX on their haves if I had a XXXX or XXXX.Today I see in my credit union XXXX XXXX payments and NFCU says XXXX my statement I am overdrawn but NEVER contacted me .I wrote XXXX XXXX again and XXXX no response so again instead of repairing damages from their mistakes I will have to spend the day fixing their errors and again requiring more meds and no hurricane repairs.
Firstly, thank you for taking your time to review this and I understand my complaint is just one of hundreds that you guys read on a daily basis.

I was checking my credit report because my little family and I are looking to buy a house for the first time, that's when i noticed i have derogatory mark that shouldn't be on my credit report. 

Derogatory Mark Info : 1 ) The original creditors name - 12 CONNS RETAIL 2 ) Account opened -  XX/XX/XXXX 3 ) Account Status - Open 4 ) Remarks - Placed For Collections 5 ) Amount Owed - {$930.00} Back Story : Back when I was in school, I was irresponsible with my credit because i made a purchase at Conns Furniture Store for my brother. I put a Flat Screen TV and surround sound system on my credit for his living room because he told me he would make the payments. Later on, my parents and I found out that he sold the TV and Surround Sound System to by XXXX. This was hard news for me because my own brother was XXXX to XXXX and hurting the family, so my parents put him into XXXX   in hopes that he would get clean. He has been in and out of XXXX  and is still fighting XXXX. 

I apologize for unloading this XXXX story on to you but this issues has been haunting me in more ways then one. 

Conclusion : 1 ) I made the Conns Purchase back on XX/XX/XXXX 2 ) I have already payed off these debt collections 3 ) I gratefully ask this negative remark to be removed from my Credit Report Thank You, XXXX.
This company keeps calling me on my cell phone. I keep telling to stop calling my cell but they keep calling.
On XX/XX/XXXX there was an unauthorized withdrawal from my business checking account for {$2800.00}. The money was taken out using Venmo ( a division of XXXX ). I do not have a XXXX account. I have gone to my bank and they are investigating.I am a small seasonal business ( XXXX employee - me ) and did not notice the funds missing until XX/XX/XXXX. I went to the bank on XX/XX/XXXX and we did contact XXXX. The bank has sent me a letter stating that they will make a final determination by XX/XX/XXXX
American Express, the credit card company, offered a {$250.00} bonus statement credit and will now not comply with their offer. 

See the attached letter and support documentation for facts and details.
I have disputed this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX  XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX   breach has compromised millions of Americans private information and I'm one of them.
I contacted XXXX XXXX ( XXXX ) in XX/XX/XXXX when I discovered I was eligible for Public Service Loan Forgiveness ( I have federal student loans and am a XXXX XXXX XXXX working for a 501 ( c ) 3 XXXX ). <P/>I requested XXXX  that all of my federal student loans be transferred and reconsolidated properly so that the payments would count towards PSLF. The XXXX representative had me log onto www.studentloan.gov and walked me through several steps. He also mailed me papers to sign. I was told my loans would be consolidated under REPAYE so they would qualify. <P/>In XX/XX/XXXX I discovered some federal student loans had not been transferred to XXXX  and were still with XXXX. I called XXXX to request that these loans be transferred and consolidated so they counted for PSLF. I was told they would be transferred. I had to call back every month because the loans were never transferred. Each time a rep told me they were in the process of being transferred and to wait. After that happened twice, I requested to speak with a supervisor. I had to do that at least four more times before the loans were finally transferred to XXXX  in XX/XX/XXXX. <P/>Despite filing frequent ECFs, my account does not reflect any PSLF qualifying payments for those loans. When I called XXXX, the supervisor could not explain why I did not have any qualifying payments. She told me the only thing she could do was submit a payment review, and the review could take up to six months. She would not provide any other information or help me in any other way.
I have repeatedly asked Synchrony bank to no longer contact me directly since the account is being handled by XXXX and all communication should go through them. I am still receiving XXXX calls a day from them and now they are calling my parents house where I have not lived in over 15 years. I do n't even know how they got their number
The address listed on the account is not an address I have ever lived at. I sent a letter to ask for verification of the debt and the 'bill ' I was sent showed an address that does not belong to me.
I used the GI bill for college funding. It was claimed that I was overpaid {$1600.00} and the account went into collections. I disputed the debt with XXXX, XXXX, Experian, and the VA. I paid the debt to the VA not as admission or ownership of the debt but to salvage my credit. The result of the dispute was that the reporting would stay. I do not dispute the event, rather the legality of reporting a non-consumer finance debt in which there were no provisions, terms, or rates agreed to. 

The 2015 CRA settlement language reads " Do Not Report debt that did not arise from a contract or agreement to pay '' This was not a consumer finance transaction and therefore should not be reported to CRA 's as a loan or anything else. There is no document in which I signed or consented to this debt. There is no explanation or verification of the debt.
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card # : XXXX is lost/stolen, and their is fraudulent and unauthorized charges/transactions listed on my account.