WillisBack/dataset-financial-user-claim huggingface dataset:
I had account with a credit union. The direct deposit from the VA was not properly routed. Deposits were made in cash, at a local credit union branch. On XXXX XXXX, 2016, payments were made via bill pay. Some payments cleared, while others were returned, some payments were returned multiple times. This in turn caused over XXXX dollars in bank fees. Unknownst to me at that time, some utility payments, as well as credit cards payments were returned by the bill payment provider. These payments were coded to appear as if it was myself who refused these payments, therefore causing 30 day lates to appear on my credit files. Also, I have had a utility terminated due to this, as well as another utility suspended. I contacted my former credit union, to receive a contact number for this bill payment service. Upon contacting this company, the call suddenly terminates without my speaking to anyone in regards to this matter. Never have I had a bill payment service approve payments while there are insufficient funds in one 's account. Also, this company has not mailed me at the address on file with the credit union, in regards to this matter. The credit union did reverse the fees in regards to this matter. I also closed my account with the credit union, due to this.
My Experian credit report # XXXX dated XX/XX/XXXX shows that XXXX XXXX XXXX XXXX XXXX ( original acct owner ) is reporting a charge card account with a date opened of XX/XX/XXXX. The balance they have listed is {$1300.00} ( updated on XX/XX/XXXX after I disputed an inaccurate balance history based on what the report itself states ) and the highest balance shows {$1400.00} with a recent payment amount of {$140.00} on XX/XX/XXXX which they reported under " Balance History '' dated XX/XX/XXXX. There is also a balance history for XX/XX/XXXX which strangely enough lists {$0.00} Paid on XX/XX/XXXX. IF a payment of {$140.00} was made on this acct on XX/XX/XXXX, why wouldn't it be listed on the balance history occurring in XX/XX/XXXX? Why would it only appear in the later date of the XXXX XXXX balance history? Also, under " Payment History '' in the XX/XX/XXXX this acct lists 120 days late. How can this acct be 120 days late in XX/XX/XXXX AND a payment made on XX/XX/XXXX? It appears the dates, balance, and payment information may not be accurate.The major issue with this account is that XXXX  is an original creditor who has, apparently, sold this account ( attached copy of letter from collection agency named XXXX   who bought the acct around XX/XX/XXXX ) and continues to report each month with a balance due of {$1300.00}. If XXXX does not OWN this debt then this is inaccurate and in violation of reporting guidelines. I have disputed this listing and can not seem to get the credit reporting bureau to do anything more than say they investigated it. Otherwise, they would have seen the inaccuracies and requested verification from the original creditor. I request that XXXXe verify the information they have listed for this acct and prove they still own this account because I have a letter from a collection agency stating XXXX XXXXold the acct to them.
HEALTHCARE RECEIVABLES XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account Number : XXXX XXXX XXXX Credit Items HEALTHCARE RECEIVABLES XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX - XXXX Address Identification Number : XXXX Status : Collection account. {$880.00} past due as of XXXX XXXX. 

I never received any bill or notification stating anything was owed or due. I have requested copies of statements for amounts due to verify that I do in fact owe the balance and verify the debt is mine and again I have received nothing. I noticed that it was placed on my credit report and upon further research found that NC requires the agency to be licensed or registered with the secretary of state and found that they were suspended within the state and in violation. I would like this to be removed from all three bureaus.
On XX/XX/XXXX I transmitted {$1400.00} ( my rent ) via XXXX  - Citibank 's replacement for electronic money transferring. XX/XX/XXXX, my landlord contacted me and shared that he never received a link via his phone number. The following actions then ensued : XX/XX/XXXX + I contacted Citibank asking to provide me with proof that the money I sent was " deposited '' into the bank account of XXXX XXXX, intended recipient, who has a XXXX account.

XX/XX/XXXX + Citibank responded that they'd open an investigation and that if the funds were not picked up in 30 days from the date they were sent they'd be refunded back to me. Those 30 days went by and I called back and they shared that I was to then contact the recipient directly who went through his XXXX account and shared that the money was not deposited.

XX/XX/XXXX + I contacted XXXX for any assistance -- they shared that I would need to speak to Citibank. Called Citibank again, and they shared that they would get back to me.

XX/XX/XXXX + I received a document sharing that they'd gone through the records and found that the recipient had " received the funds. '' And that I was entitled by law to obtain copies of the information. I called the number listed on the document and requested those documents. The documents, to this day, have never been sent or forwarded to me despite multiple calls - 3 in fact, one sharing they'd email them to me, and others sharing that they didn't have those documents. XX/XX/XXXX - I would like this money to be refunded back to me so that I can provide that money to the intended owner. Currently, Citibank nor XXXX has provided me with proof that they accurately deposited the money into where I instructed them too.
Discover, I am very upset by the way my dispute is being handled. I am seriously considering transferring my balance and filing suit as a result of this dispute for {$470.00}. I initally filed the dispute because it was taking the appraisal company too long to send the documentation, even though as i have stated to you that i never needed the appraisal in the 1st place because i aready had one done myself. There was a mix-up in the communication and my card was never supposed to be ran in the 1st place. Either way XXXX agreed to cover the costs as stated in the email that I sent. I get a notification from discover saying that the case is closed and the merchants favor. I get this and call in on the week of XXXX to reopen the case and it is a hassle to get the case open which I do n't really understand. I am advised by your CSR to submit documentation showing that XXXX agreed to pay which I do. I called in on XXXX to see if the case has been reopened and get a runaround from your dispute team reviewing the documentation and they do not reopen the case based on word jargon. They get fixated on the fact that XXXX states in the email uploaded that I am getting cash back I refuse to reopen the case unless I provide documentation showing it which I have at this point. 
First and foremost I do n't understand why it is such a hassle to put something in dispute in the first place it is nothing like XXXX or other creditcard companies dispute process. I feel like you have to fight to get a dispute opened or reopened discover needed adapt amx 's or other credit card companies dispute process/ methodology. This is because it reopened I am not on close my account I am getting our family attorney involved.
I owe a loan 2 years ago in Tower Loan XXXX. Amounting more than 1000 , admit I have delinquent account to them in XX/XX/XXXX.I moved to XXXX from XXXX in XX/XX/XXXX. From there I never received any demand letter from Tower Loan XXXX, When I check my credit report in XX/XX/XXXX I saw the address tower Loan XXXX XXXX XXXX XXXX MS tell # XXXX .I contacted them to settle this account amounting XXXX $ but they said I do not have the account there I need to call XXXX Tower Loan I called and talk to the manager but said he needs to talk to their lawyer because he do not know how much I owe. They said They will call me back but since then they never called me back and I called the branch many times unfortunately they can not give me any amount I keep on calling on the branch XXXX but still do not have the amount for me to settle the loan amount.Until XX/XX/XXXXI despute the Tower Loan for collection because they can not give me information how can I settle this to the 3 credit bureaus Tower Loan verified that the item is correct so it will remain in my credit history because the company verify it correct as of XX/XX/XXXX. I called the address appeared in my credit report / history the same thing they told me I do not have an account in their office but it was reported in my credit history the address and the amount and when I called Tower Loan again in XXXX they can not provide the amount because they need to talk to their lawyer. I 've been calling them for almost a year to settle the collection appeared in my credit report but Tower Loan XXXX can not provide me the amount and the address appeared in my credit report where I owed a collection/ charge off of XXXX , my account is not listed there and they said that they can not provide me information about my charge off / collection because I do not have account to them. They reported in the 3 credit bereau as of XX/XX/XXXX and verified it correct but when I called them the same thing they will say that I do not have an account from them. Since they can not provide me how much I owe and they are not helping me to settle this account in Tower Loan, I am filling complain against Tower Loan for giving wrong information about my account and the address appear to my credit report they do not have my information and data for the said loan. I even send an email through their website customer service and dispute it to them but no actions were made. I do hope you will help me to erase/delete the wrong information that they put in my credit report.
I received a loan through speedy cash in the amount of XXXX. I set up the loan with them with a specific bank account. I defaulted on my loan due to not having a job. However, I called to set up payment arrangements and speedy cash told me my account has went over to a third party collection agency. They also provided me with XXXX. I never provided them with my debit card from XXXX XXXX information. However, recently a transaction has been charged to my account in the amount of XXXX that I did not authorize. I called to speak with both speedy cash and ad XXXX and both had been blaming each other for this transaction. I spoke with at least XXXX different agents to get clarity on how they were able to access my account that I did n't not provide them with. Speedy cash stated they had this information on file from a previous loan I had through them and retained the information. I told them to no longer charge my card and any payment I make.. It would be made through money order or through XXXX of their local stores. My card was still charged without my consent.
On XX/XX/XXXX I set up auto bill pay to automatically pay the minimum. At this point I was told the normal payment method of transferring it online automatically was wrong and I needed to cancel it. I noticed it didn't come out automatically in XXXX and on XX/XX/XXXX set up auto bill pay again. At that time the system was showing I owed XXXX dollars as the monthly payment. On XX/XX/XXXX I got a call saying it was past due and I never got anything in the mail nor call before then. I paid the balance in full of XXXX. On XX/XX/XXXX when the card was at a XXXX balance they processed a payment of XXXX again. Then realized their auto bill pay was all messed up and credited it back to me on XX/XX/XXXX. I got an alert my credit score had dropped due to a 30 day late payment for the month of XX/XX/XXXX. I disputed that and got no where with the creditor even channeled it up to legal and compliance. I then disputed it with all 3 credit bureaus. Finally I am filing a complaint as a last ditch effort before getting a lawyer involved.
I have contacted contacted this company XXXX different times to forward the information to remove my PMI insurance. They said they have sent it via XXXX and also fax and we still have not received anything!!! They wanted to verify my address ... duh!!! It is the same exact address you send my bill to every month with no problem. 

It is very apparent they do not want to remove my PMI insurance as it is an extra {$1600.00} for them a year!! XXXX Awful customer service and true lack of anyone competent in the company!!!
Please substantiate your claims regarding information XXXX XXXX XXXX XXXX XXXX transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Since reporting errors may be vis-a-vis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that XXXX XXXX XXXX XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX XXXX XXXXto the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
My home is in foreclosure with a law day set and I received an email from loan servicer stating that I have been approved for a loan modification. This email is dated XXXX/XXXX/16 and their deadline for returning the application is XXXX/XXXX/2016. I am not in receipt of the documents which the loan servicer said would be sent U.S. mail!!!! I believe I am a victim of " dual tracking ''.
In XX/XX/XXXX, it became apparent that I had hail damage on my roof and it had started leaking. I contacted my insurance company who provided a very good detailed step by step plan on what to do. Got a XXXX who replaced the roof. Called Navy Federal Credit Union to understand how to handle the claim check. We reviewed the requirements XXXX times. I got the first settlement check and sent it as instructed to NFCU. A week later they informed me via email that there were other things that had to be done. They were returning the check to me. After XXXX weeks and numerous phone calls it appears they lost the check. It took XXXX more weeks working with the insurance company and NFCU to get the check replaced. I live in XXXX, XXXX. I was in the states and kept contacting them to get everything needed done prior to my return to XXXX. They claimed they got everything cleared with the insurance and would deposit the check. I had already paid {$24000.00} out of pocket for the repairs. The first check for {$13000.00} was deposited to my checking account. I transferred just under {$12000.00} to my XXXX credit card. XXXX days later NFCU withdrew the check stating it was fraudulent. 
I have called them over XXXX times and emailed XXXX times. I have received XXXX emails with limited information and XXXX phone calls which did not resolve any of the issues. I leave voicemail each time I call as I have never caught anyone at their desk. Today I have been informed that the insurance company is issuing the check for a third time in XXXX days. NFCU has withdrawn all my savings, charged me several fees, caused me to be charged fees from XXXX, cost me several overnight mail charges which were a waste of time and interest on my Line of Credit and XXXX credit cards. Cost out of pocket exceed {$400.00}. 
Now they are taking all the money out of my adult children 's accounts to try to cover some of the cost. 
I have been on hold now for over an hour. They apologize and state that it was their fault, but each time they apologize it cost me {$100.00} or more. 
I paid to have the second/final insurance check overnight. They received it on the XX/XX/XXXX. Thus, far they still have not acted on that check. I understand it is the holiday season with many people on vacation, but they do n't stop charging me interest. 

They admit negligence in handling this issue, but have not resolved the issue yet.
On XX/XX/2018 ; I filed a formal dispute with Experian 's fraud department in reference to items that are being reported in my credit report. I disputed a public record stating a bankruptcy, a fraudulent account opened with XXXX XXXX XXXX XXXX  and an incorrect balance with XXXX XXXX XXXX XXXX.

I disputed the bankruptcy public record because I became aware that any bankruptcy filing made in the XXXX Circuit Court jurisdiction with personal identifying information such as a social security number, date of birth and current mailing address is made under judicial seal. Experian obtained personal identifying information, that is still under seal by the court, and published it illegally on a credit report. I spoke at length with the Clerk of the United States Bankruptcy Court and was told that under no circumstances that personal identifying information is released to third parties because of the risk of identity theft and fraud.

I brought this information to the attention of Experian 's fraud department and disputes department on XX/XX/2018 at XXXX. Experian denied obtaining the information contained in the report themselves but through a third party vendor because its a public record. I requested the name and contact information of the vendor and they denied my request. On XX/XX/2018 at XXXX ; I spoke with Experian again through their special handling department and again reiterated the position that information was public record, to which I stated that personal identifying information is not public record especially information under judicial seal. I again demanded the vendor information and was lied to that the court not a third party vendor supplied my personal identifying information in violation of the judicial seal.

The other issues with Experian involve improper fraud investigation of disputed information including the XXXX XXXX XXXX XXXX dispute and XXXX XXXX XXXX XXXX   dispute. Experian completed the dispute investigations without properly verifying the information disputed and leaving the information unchanged as accurate.
After reviewing my credit report I noticed a delinquent account with Foundation Finance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. After calling Foundation and after submitting a fraud report the issue has not been resolved and still being reflected in my credit report. The letter was submitted on XXXX XXXX XXXX. The account ending in XXXX the account ( I believed ) was open my my ex-wife and she use my personnal information, since she has such informaion ( such as SSN, full name, DOB ). I reported such activities as fraud and I have received no resolution from Foundation Finance. I was able to demonstrate that I was in XXXX when the activity took place. i do not live in XXXX XXXX XXXX XXXX XXXX XXXX since XXXX when I moved to a different address.
Kimbell, Tirey, & St. John LLP sent me a notification of the debt I owed after sending a proof of debt letter. I then set up a payment plan because of the large amount of money that is being asked of me. I am a XXXX XXXX  and can not financially make large sum of payments. After my first payment last month, I noticed extra fees being added to the amount that I owed to the original creditors. I really only owe {$6000.00} and I have recently made two payments on that with the little money I do have. They have added over {$500.00} in fees to the large sum of money I am already paying on. They are making it so I will be paying on this bill for years. I am to pay only the money that I owe to the original creditor, so these extra fees need to be eliminated from my bill. They started adding these fees while I was in the process of validating this debt and they also had incorrect information with the first letters they sent me. They threatened to put a mark on my young credit report and did not send a letter to the other person who this debt was mainly under. What they are doing is unethical and they have been since the beginning of my interaction with them.
XXXX XXXX XXXX ( " XXXX '' ) serviced our mortgage until XX/XX/2013. Our mortgage was sold to XXXX that month, after XXXX puller their business out of most of Maine. Prior to the transfer XXXX agreed to modify our loan to allow us to bring our payments up to date. We recently attempted to obtain a home equity loan with XXXX however XXXX continues to show our late payments on our credit reports. We have written to the three major credit reporting agencies and requested that they delete the negative item, but they will not do so without XXXX 's action. We have asked XXXX to remove the negative item from our credit reports, but the company refused to do so. Given the fact that XXXX has not serviced our loan in nearly five years, we feel that continuing to report a negative item to the credit reporting agencies only serves as an open ended punishment.
I only knew about this alleged dept by checking my credit score. There are two accounts on there from Simon 's Agency with no additional information other than an amount and hospital name. I have made several disputes and have received no response. I had also submitted an XXXX proving I was insured and this alleged dept is false.
on XXXX XXXX, XXXX my mortgage was sold to SPS select portfolio services from XXXX my monthly payment was {$570.00} at that time which I had a loan modification with XXXX which is not being honored by SPS, now in XXXX XXXX, 2017 monthly payment is {$1200.00} I have called them 3 times trying to figure out why is my payment so high with no decent answers on XXXX XXXX, XXXX XXXX and XXXX XXXX I have reported them to texas attorney general also and I have not heard from them. I want to know if I could sue them, the reason I have not got a lawyer is because I m on social security XXXX income barley making ends meet with this new payment. I have looked up this company SPS on the internet and found out that they are well known for there predatory practices that a lot of there customers would love to sue them.