WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX/JCPENNEY is reporting that I was late 30 days in paying in XX/XX/XXXX. I have never been late in my payments to this company since I opened my account in XX/XX/XXXX. As of matter of fact, it is the only 30 days lateness on my credit report. It is the first time I see this information. It is not accurate and I want it removed from my credit report.
On XX/XX/XXXX I contacted XXXX XXXX about a debt on my credit report. I didn't think the debt was accurate or even mine but I needed the collection removed from my credit report. During the conversation I was told if I just paid it they would delete it from my credit report in 45 days. I was told this multiple times. I decided to pay the debt for this reason. I have since called XXXX XXXX multiple times and now I am told that they will not remove the paid collection from my credit report. I feel like I have been lied to so many times by this company to have me pay a debt. The last time I spoke with this company was XX/XX/XXXX. Please help.
On or about XX/XX/2018, I received a phone call from Credit Collections USA about a debt for XXXX. I requested information about the alleged debt and was told I needed to pay. I again requested information and their representative requested my social security number. I refused to provide that information. She stated they would mail me a statement, I never received one. Then I received an alert on my credit report and it was for Credit Collections USA. I called the telephone number listed and verbally requested information about the account, the representative again did not provide any information. I asked if I needed an attorney and she stated they could not talk to me since I had an attorney. On or about XX/XX/2018, I sent them a letter stating I had no attorney and would like information about this account. On or about XX/XX/2018, I sent them a letter requesting validation and did not receive anything. I again sent them a letter requesting validation and received a copy of a copy of a bill from company.
No category you provided covers my experience with AMEX Bluebird card. I received an email from them with no explanation other than the following. Earlier they tried to remove auto withdrawal that I had set up TWICE and told me to dispute the second one which I did. Now my account is closed and they are refusing to communicate about it or give any explanation. I believe they are doing this to others as well and need to be investigated. I have no way to see what has happened. I had not used the card recently. They refuse to communicate over the phone. I didn't do anything.

Here is the email I received : During our recent review of your American Express Bluebird Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement.

As a result of such activity, and

pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. If you have any questions or would like to inquire further, you may write to
us at the following address : Bluebird Customer Care XXXX. XXXX XXXX XXXX, GA XXXX
Transunion has continued to allow unauthorized and fraudulent inquires to remain on my credit report, even though they have been informed via multiple disputes delivered by certified mail and a former CFPB complaint. I recently applied for new credit and was denied due to " too many inquiries, '' and the bank informed me that it would have been approved if there were less inquiries. 5 out of the 9 inquiries that I currently have on my Transunion Credit report were unauthorized and fraudulent. The unauthorized inquires are the following : 1 ) XXXX - XX/XX/XXXX 2 ) XXXX - XX/XX/XXXX 3 ) XXXX XXXX XXXX - XX/XX/XXXX 3 ) XXXX  XXXX - XX/XX/XXXX 4 ) XXXX   XXXX - XX/XX/XXXX ... ..

It is truly disheartening and unnerving when a Credit Reporting Agency, such as Transunion, has utter disregard for Federal Law and the economic harm that can befall a consumer when these Violations of the Fair Credit Report Act ( FCRA ) happen. The FCRA, specifically 1681e ( b ), which requires a credit reporting agency to follow reasonable procedures to ensure maximum accuracy, 1681i, which requires a credit reporting agency to comply with certain reinvestigation requirements, and 1681b, requiring a credit reporting agency to provide a consumers credit file to companies only if it has determined there is a permissible purpose, are important and essential elements of FCRA. However, any negligent and/or willful violations of any of these provisions can cause irreparable financial and economic harm to a consumer. The inquiries mentioned above are obvious permissible purpose violations, and they need to be removed immediately. I have contacted the creditors, I have disputed the inquiries with Transunion, and they now remain as a willful violation FCRA 1681b ( a ) ( 3 ) ( A ). Please remove them immediately permissible purpose violation
On Monday XXXX XXXX, 2016, I contacted Navient about paying off a subsidized student loan of approximately {$2000.00}. I chose to pay over the phone as I know there is an exact pay-off amount that is usually a few dollars different from what the borrower sees in the online account. I was quoted a payoff amount of {$1100.00} and the agent took the information needed to pay this full amount. She let me know it would take a few days to reflect the {$0.00} balance in the online account and congratulated me on my payoff. 

In XXXX I logged into the account and noticed a {$33.00} balance on this same loan. When I contacted Navient, they explained that I did not, in fact, pay off the loan, and that a small remaining balance had been accruing interest since XXXX. They stated perhaps we were n't quoted the proper payoff amount, because our payment was only {$1100.00} and the payoff back then would 've been {$1100.00}. When you look at the account transaction history, it shows that we did, in fact, pay {$1100.00} on XXXX XXXX, but were then credited that money back and charged {$1100.00}, leaving an {$.00} balance to accrue interest. Why did this happen?? They could not explain, but the loan was n't paid in full so we now owed the {$33.00} interest accruement. We pressed, spoke to a supervisor, and were informed this would be submitted for evaluation and we would receive a letter in the mail. The letter came and we were denied - we owe the {$33.00}. 

I spoke with Navient again around mid-XX/XX/XXXX, and that representative told me that for such a small loan, she did n't understand why they would n't just close it out. She said she would submit it for evaluation and we would be contacted regarding this. I waited weeks and did not receive any contact. 

Navient contacted me Friday, XXXX/XXXX/2016, requesting payment - this loan is now past due. I inquired about the {$33.00}, that is now {$34.00}, as I had never received the promised communication about closing it out and was told they do not cancel loans unless they are under {$25.00}, but that I could speak to a supervisor. I was on a family vacation and had already discussed the background of this issue with the customer service agent for 20 minutes, and chose not to speak to a supervisor, as this is my 3rd time requesting action on this loan. 

I do not feel it is my responsibility to pay these bogus interest fees as I was charged the pay-off fee I was quoted, and the customer service agent changed my payment without my permission, resulting in a remaining balance. Whether complaining through the CFPB resolves this issue or not, I want others to know of their shady business practices.
I just received a copy of my credit report and I found XXXX hard inquiries that are fraudulent, i immediately contact these companies and also called Experian but they didn't help me. This is a very serious matter, someone has been using my credit and i need to have these fraudulent hard inquiries removed from my credit report. I very concerned about this, i just place a fraud alert on my credit report. Please help me removed these fraudulent items from my credit report ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX/XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX )
On XXXX XXXX, 2015, I filed a dispute with Experian credit reporting agency by U.S mail. It 's been sixteen days and I have not gotten any notice from them that they have open an investigation on the dispute items on my credit report. When I tried to file a dispute, from their web site I get a message you are block from getting a copy of your report and not allowed to file a dispute from our web site. This has been a continue problem when I try to get my credit report for over a year. I would greatly appreciate it very much if someone from your agency open an investigation into the conduct of this company.
I received a letter in the mail on XXXX/17 stating the State of Texas cause no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs Me subpoena for oral deposition as aid to enforcement of execution ... does n't not inform me of who or what this is trying to collect for, no amount stated, no return contact information ... all is says is show up on this date to some office building, not a courthouse an office. am I suppose to just show up and sure let me give you money, if I am summons for court or trying to be sued I need to know for what! I feel this is not a legitimate or legal action that I have been subjected to, is this from debt they purchased for another debt collector that could be beyond the statue of limitations or what is this from?
Credit Collection USA is attempting to collect a debt in the amount of {$240.00} for services rendered by a podiatrist I had visited a few years ago. When I asked them for validation of the debt, I did not receive it. I asked them to then cease calling to collect the debt until they had sent a validation letter to my home address. They continued to call. I had blocked their number and was continuing on with my life until I received a call from my brother, who had begun getting collection calls for this bill in my name. We do not have similar first names or even the same last name and we do not live in the same area. This also happened with another account on my credit report, which I will also be disputing today. I never authorized anyone to speak with my brother, and he was told my name, my address, the debt and the reason for the debt. Because this is medical debt, I did not think that was allowed. I do not even allow doctors offices to provide my wife with information, let alone my brother who I barely speak with. He called me, angrily, to see if I had used his name for some reason, and if I was expecting him to pay the bill. It seems illegal for them to be contacting people this way!
I have been a banking customer with US Bank for 2 years. On Tuesday last week I let them know I was traveling to XXXX and they put a travel alert on my record. On Friday before I left for the airport I put a small amount of money on my XXXX prepaid mobile phone using my US bank debit card. I immediately received an email and a phone call and my card was blocked and the charge declined. I spoke with the fraud department who was very rude and assured me that there was no travel warning noted calling me a liar. The people refuse to identify themselves or their location and they refused to connect with a supervisor. I had to call over 30 times before I was finally assured by several senior managers in the fraud department in XXXX XXXX Idaho that my card was corrected and I was assured I could travel on to XXXX. I flew to XXXX and arrived and my card was declined and I had no access to cash and was unable to check into my hotel or rent my car. I called US bank and they said a woman named XXXX at a branch in XXXX California that I have never visited has decided that she is closing my account and that she is aware that I am traveling in XXXX and she doesn't care. I called the branch and spoke with XXXX who laughed at me and taunted me and was a condescending belligerent person laughing at my misfortune and hanging up on me. I spoke with customer relations in XXXX and the agents there including XXXX agreed that the fraud department and the branch in XXXX are very belligerent and unhelpful. Many people at US Bank tried to help me but in particular XXXX and XXXX at the XXXX XXXX in XXXX California are unbelievably terrible and terrorizing to customers. They are breaking laws. Also a very belligerent woman named XXXX in XXXX XXXX Idaho is a complete monster and a torments the customers. She must be fired over this. This is a horrible bank and I can not do business with them so I immediately flew back to United States to close my account. I arrived in the United States and I was told by US Bank on XXXX XXXX in XXXX XXXX that they can not give me money to my account because it has been frozen by XXXX and I can't do anything because she has taken vacation and she won't be back for a while and only XXXX can unlock my account. US bank has ruined my XXXX holiday and caused thousands of dollars in damage already. Now that I have flown back to United States US Bank is still holding my funds and refusing to close my account and give me my money. This is a rogue bank with monstrous customer service failures who literally gets off on terrorizing customers and they laugh at you in your face at your own inconvenience and suffering. These customer service agents particularly XXXX, XXXX, and XXXX, taunt and harass the customers and cause serious psychological damage. I want you to enforce government regulations against US bank and get my money back to me right away as well as sanction them for their terrible anti consumer behavior. 

XXXX XXXX
My personal information has been used Equifax I found 18 Hard Inquire In one year 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 to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fellow XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not aware that this was happening until recently I have a XXXX XXXX account from XXXX XXXX for {XXXX} that I 'm working on trying to get off my credit as we speak I did a father account did a police report XXXX game medical XXXX XXXX XXXX {XXXX} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {XXXX} XXXX XXXX I 'm just now at XXXX trying to get my credit together together and and I also would have some to update my personal information some addresses if you can just give me a call at XXXX XXXX XXXX XXXX XXXX birthday XXXX XXXX
On XX/XX/XXXX I sent a registered letter to Portfolio Recovery asking for proof of the debt as I do not recall the debt. They received the letter and signed for it on XX/XX/XXXX. The letter ( attached ) was a letter of dispute and proof of debt request. They did not respond until XX/XX/XXXX ( letter attached ) which is past the 30 day window and they did not as of XX/XX/XXXX ( report attached ) mark the item disputed. For lack of proof and not responding nor marking the item in dispute I request that this permenatley be removed from all 3 of my credit reports.
This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on XXXX   saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXX and it is becoming more comical by the day and someone at XXXX should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel Equifax, XXXX  and XXXX  should have some blame as well because dates and amounts don't line up and XXXX was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let XXXX type in ANYTHING they want without any documentation or reason. Please investigate XXXX XXXX XXXX for FRAUD..
I am a current customer with Discover Student Loans. My interest rate has increased from 6.5 % to 7.00 % in less than two years ; that includes XXXX increases in the past six months. So, I called Discover Student Loans this morning. I asked for a reduction in my interest rate. I was informed by XXXX agents that the federal regulators set the rates, and that Discover can not reduce my interest rate. That is incorrect. The federal regulators set the prime rates. Discover adds on to that rate to set my Discover Student Loan total interest rate. My first complaint is that Discover provided me incorrect information on how my student loan interest rate was calculated and blamed the regulators for the rate, not taking ownership for their calculation. 

Next, I was informed by a Discover Student Loan agent that the ONLY way to reduce my rate was to apply for a consolidated student loan. This would account for a hard inquiry on my credit. Upon hearing this was my ONLY option, I submitted my application over the telephone. My second complaint is that I was incorrectly informed the only way to reduce my rate was to re-apply. This is incorrect. Discover has committed in the public press that they will work with student lendees to reduce interest rates for highly qualified individuals ( of which I am ). I informed the agent of this, who simply did not agree. 

Next, the agent obtained my information and imported my existing Discover Student Loan information ( i.e., the current balance ) into the application. Next, the agent informed me that I was not approved and that I would receive a letter in the mail informing me as to why I was not approved. The application I submitted and was ultimately declined for only included the existing Discover Student Loan. Ironically, I was declined for the same student loan product that I currently have with Discover. That 's my third complaint - that I was declined for the same product I have today. 

I informed the agent that I have obtained lower fixed and variable rates from a competitor. Discover 's competitor offered me the same lending terms ( variable, 15-year ) at 4.7 % interest. My current Discover student loan 's interest rate is 7.00 % ; that includes a .25 % reduction for direct debit. My fourth complaint is that Discover is taking 2.3 % more than its competitor ( s ) over the life of this loan. That amount excessive, and not working with me to reduce my rate to match industry standard is unconscionable.
Checking my credit report XXXX Carrington Mortgage Company has place that I have filed bankruptcy. I have explained to these Credit Bureaus that I have not filed bankruptcy however they continue to come back after I dispute it saying that Carrington Mortgage will not remove it. I have called them and they are not fixing. 
My second issue is, XX/XX/XXXX 2015 I asked what the balance of my escrow account. The rep told me the balance for this year was {$1100.00}. I gave her my credit card number and asked her to pay my escrow in full, which should decrease my monthly payment to {$770.00} which is the interest and principle. The next month my statement showed a credit that was applied to my payments instead of the escrow account. I called and spoke to a rep and explained the situation over again. They said they would investigate it. I did not pay them for XX/XX/XXXX 2015 the month that they showed the payment for because I was pending the result from the investigation. In XX/XX/XXXX 2015, two months later, they finally reversed the payment and put the {$1100.00} towards my escrow. When they did that I they began to show my account late and charge me late fees and my payment remained the same, actually going up to {$890.00} from {$870.00} when my account was at XXXX.
I always check my credit but today i check it and they post a collection on my credit credit i know i haven't been to any doctor and i ask for all supporting documentation but never receive anything from any creditors so can you please have them to send all letters to me about these accounts.XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018
I have been requesting a complete Free Credit Report be provided to me for several months now from TransUnion, with no success, and each request being denied. 
I am a Victim of Identity Theft, FTC Complaint # XXXX, and TransUnion is hindering my ability to monitor the information contained in my Credit Report by ignoring and denying my requests to receive my free Credit Report as requested, which is well within my rights as a Victim of Identity Theft.
Midwest Recovery keeps copying and pasting a generic response and will not address my issue. This is a fraudulent tradeline on my credit report! They have failed to provide validation of this so called debit to " XXXX. '' It has been beyond 30 days and they are infringing on my rights per the FCRA. I will go the State Attorney and file a lawsuit. Remove this fraudulent tradeline from my report ASAP!
My SSN has been changed by an employee of US Bank, so that I can not access my accounts. I have had no issues with my SSN and being identified on the US Bank System.

An US Bank employee has changed by SSN without my consent and this has been done by the bank employee to make my life difficult.