WillisBack/dataset-financial-user-claim huggingface dataset:
I have attempted numerous times to dispute   XXXX   items off of my credit report.   XXXX   XXXX   XXXX   on my TransUnion report and  XXXX  on my   XXXX   report. I have attempted numerous times to dispute these   XXXX   items  XXXX  with the credit bureaus and directly with the creditors. I have spoken with  XXXX  companies numerous times and all they do is send me generic letters, more like an invoice with the amount stating that it is my debt. They refuse to send me proof and have claimed that I am outside of my time period allowed to request proof. I never have been contacted by either company. Reviewing my reports I noticed them and reached out to inquire what this was. All they do is direct me to an insurance provider I do not have. The insurance provider claims to have no record of me. The hospitals claim to have no balances owed by me. My last conversation with both companies wa s  XX/XX/17  a nd I informed them of all of this. I informed them that I have the legal right to request proof or removal. They said I do not have that right. They said they do not have to provide proof.
My first time home owners loan was denied, on the premis of already having a loan. my credit report shows that i opened a first time housing loan in XX/XX/1995. The loan is with Bank of america, N.A XXXX in the amount of XXXX . I was XXXX years old at the time and beilieve the information was added to my account in error.
My XXXX school loans were bought by Navient. Since that time they have done many things to mislead me and make it nearly impossible to pay off my loans. I had an Income-bsaed repayment plan. Twice in XXXX, I attempted to give them my updated information to increase my payments. They told me that they would not accept it until the next time my Income-based plan required it. They essentially would not allow me to increase my payments and recommended I just pay extra each month ( effectively eliminating the point of autopay ). I then tried to refinance my loans through XXXX because Navient was so terrible to me at every turn. XXXX paid them my full loan amount. Navient miscalculated " interest '' that I owed and took {$11000.00} of the pay off amount. This left me with a new loan with them for {$11000.00}. I received no notification of this. I then got a check in the mail for this amount with no explanation. Essentially, they are hoping that I do not realize what this check was for and cash it, leaving me with a new loan with Navient that they can continue to make money off me with. I did not sign any Master Promissory Note for this loan and never received any correspondence about this new loan. Navient is purposefully trying to mislead me and continue to make money off of interest. I have tried to not be their customer any longer, but it is nearly impossible to get out from under them.
I have a mortgage with Nationstar. I have been in my home for 8 years. I had a reduction of hours in my work and fell back on my payments. I was only 2 months behing and was doing everything possible to repay, i also sent several times all the forms by mail/fax for mortgage modification and they insisted on that never received any thing. Final letter saying that they will not received any payment unless full payment of mortgage was paid in full thas XXXX.They also said that the sherrif will be coming to make sure vacated the home. I been talking to friend and coworkers and been told that i have been victim of of unscrupulous practices.
I am having trouble finding a job due to a school that no longer exists. XXXX XXXX has been closed for its high interest rate loans and poor academic practices and it is affecting me in my job search. Navient doesnt seem to care that the loan should be flexible due to the lack of school representation that they loaned money for with high interest rates. They are requesting a high monthly amount that is not simple to pay back in the first place. My loan should be discarded because of my schools non existence.
My name is XXXX XXXX. I am trying to refinance my home and I found out about some credit issues I would like to dispute. I have tried on several occasions on the dates of XXXX, XXXX & XXXX of XXXX to access the " free '' dispute option on the Experian and XXXX websites. Both by following a link from the CFPB website and directly accessing their websites. In each case I enter all of my information, correctly, and am told the " information does not match their records '' or am asked questions that have absolutely nothing to do with anything in my credit history and am told the same thing. I was able to access each agency one time, but was not able to initiate all disputes because of some technical issue. Oddly enough, I was able to access XXXX and initiate the process. This is completely unfair and I have found through web searches many people have had the same issue. We should be able to initiate a dispute for free or be given an explanation as to why we can not. This seems to be some sort of credit hostile take over as we have no control whatsoever.
On  XXXX , I signed a contract with  XXXX   XXXX   XXXX   ,   XXXX , to have my home painted with  XXXX . Shortly after the work was completed I received notice that the loan had been sold to   XXXX   XXXX  , a program of SunTrust Bank, a Georgia banking corp., in  XXXX , Georgia. My minimum monthly payment on loan #  XXXX   XXXX   XXXX   XXXX , was set at {$130.00}. Nearly every month I made payments of {$150.00}, but some months I paid double that amount, {$300.00}. In  XXXX ,  ( o r possibly sooner, not sure ), I started receiving notices by mail as well as phone calls that I was behind in my payments. I tried asking the callers how I could be behind when I was making payments that were in excess of the minimum due and was therefore, in reality, ahead of schedule. I was never given an answer. The only response from them was, " When are you going to pay. '' After several rounds of this I quit answering the phone calls. I continued to make 'extra payments but no matter how much I paid ahead, the calls and notices continued. In  XXXX , I sent a letter to  XXXX  outlining the payments I had made vs. the minimum amount due and showing the amount that I was ahead by. I have never been given the courtesy of a response. It should be noted that it was a long time before I started receiving a monthly statement. The first one I find in my file is for  XXXX . In  XXXX , I sent a second letter to  XXXX  with a {$500.00} payment. In that letter I reiterated the info and facts of the first letter as well as a request of credit for all late fees and charges I have made by their errors as well as a payoff amount for the loan. As of this date, I have received no response to either of my letters. I received a debt collection letter dated  XXXX , that states that I am behind {$260.00}. There is no credited acknowledgement of the above indicated payment of {$500.00}. On their paperwork they have indicated, " There is no prepayment penalty. '' Yet it is clear to me that I am being penalized for doing just that. I am at a complete loss as to how to have this problem rectified, thus I am contacting you because I want to pay off this loan. I want to pay what I owe but nothing more than that. Thank you for your time, interest and assistance in resolving this matter!                    XXXX
I was a victim of identity theft, I have sent over all proper documentation to equifax and they have not done the right procedure according to the law. In response to this they have constantly lied into that they did a proper investigation. They have reported a wrong address that is not mine and they have serveral information on my report that is not mine.
Re : Bank of America apparent amount of XXXX re : account # XXXX ( from XXXX   credit report as obtained onXX/XX/XXXX Credit reporting Agencies : XXXX and XXXX Date Credit reports Ran XX/XX/XXXX ( XXXX ) and XX/XX/18 Called Bank of America, no information given other than the account not belonging to me. 
The {$15000.00} from Bank of America does not belong to me ( new and just starting to build credit ). Bof A thru inaccurate reporting to XXXX and XXXX caused me pain and suffering, denials to credit applications, financial opportunities that require credit history check. ( XXXX was accurate with no apparent {$15000.00} charged off/collection documentation/report ) Humbly requesting to have inaccurate damaging information be expunged so as to further avoid my credibility, suffering, severe anxiety and loss of financial opportunities be halted.
I am a public defender and am going for pslf forgiveness. I am in my fourth year and I have had numerous issues with fedloan. This year, I did not submit my XXXX and and my IDR plan request in time according to my loan holder. I submitted it XXXX because XX/XX/XXXX is the first month in my yearly cycle. Fedloan stated that they needed {$1100.00} because the paperwork was untimely. I told them I did not have XXXX and told them not to withdraw. My loans were defaulted and interest was capitalized. On XX/XX/XXXX I called fedloan to see if the paperwork would be completed in time for me to make a XX/XX/XXXX payment. At this time I was told that the paperwork was incorrect because I had not skipped step 2, like I was supposed to. I mistakenly checked a box in step 2 requesting to be put on the cheapest payment plan. The fedloan rep had me upload another request to my digital inbox. The second request was uploaded. I did not modify this doc as it was generated from the dept of Ed site and had my name, signature, and request to have ibr recalculated all prepopulated. I was assured that this would be satisfactory. I called fedloan a week later because my loans were still in default and another XXXX was being requested for XX/XX/XXXX. This rep expressed concern that the request that I uploaded did not have identifying numbers on it. I explained that a rep walked me through the process and these were forms directly from the dept of Ed that were prepopulated. Eventually he agreed and said call next week. Yesterday I logged into my account. My account no longer shows default but shows that I am on a standard repayment plan and XXXX is due XX/XX/XXXX. I then called fedloan and talked to XXXX, XXXX. She told me that I filled out the request incorrectly. I explained that she must not be seeing the correct request. She then advised me to get on a repaye plan without ever explaining why I am on a standard plan and not on an ibr. She then told me that the second request wo n't work because it did not have a wet signature. She then told me that if I do not get a valid request submitted by XX/XX/XXXX That my XXXX would need to be resubmitted. I could not determine why the same XXXX doc would need to be resubmitted. Every time I call, I get a different answer. I asked to speak to a superior but was told that they all had left.
I sent money though money gram on  XX/XX/2017    and they wo n't release it and I have been trying to get a refund back and they transfer me to another department and they put me on hold and that has been happening every day and night and no one picks up and I am very tired of the way they are doing me just to get my money back from Money gram and the reference number is  XXXX
I filed for bankruptcy 4 years ago, and have XXXX XXXX XXXX credit card which I pay the amount due every month, for well-over two years. Even so, my credit rating does n't improve. YET, this week, when I signed up for a new cable service ( to allow me to save {$120.00} a month! ), my credit was downgraded a few points, erasing cherished positive points that are so hard to come by. 
Understanding the bankruptcy remains for years, I feel it is totally unfair and a complete disincentive to " punish '' credit holders like me for applying for new credit, while NOT rewarding me for paying off my debt monthly. 
I am getting this info from Credit Karma, though I do n't know if they are the guilty party. I believe it 's XXXX or all XXXX of the credit tracking companies.
I was neglectful in in checking my account. However I had requested from Discover card my statement for the past 5 years, they had obliged and I found 3 items ( approx. {$1400.00} ) I had them check into it and they said that the charges were not mine and was not authorized by me. They I had received a letter from them ( enclosed ) that the amount would be credited to my account. after a week or two I called them and they said it was to far back and told me that they have done numerous things for me that was so irrelevant. Now I told that there records do not go back that far. Need your help in getting this resolved my account after changing it is XXXX XXXX XXXX XXXX, my email is XXXXXXXXXXXX
On a visit to a nightclub in XXXX, XXXX several unauthorized charges totalling over {$9000.00} USD were incurred on my credit card - I also lost the card that night and reported it as lost to Capital One the following morning. 

I initially filed a fraud claim for the unauthorized charges, but that was declined because as I was physically at the club for part of the night - they then transferred this to the dispute department and that was also declined as the merchant claimed the actual receipt copies I provided were not from their establishment, but those are the only receipts the merchant provided to me and these are the charges I was expecting to pay for. 

The interesting thing is the timestamp of the receipts I provided are around the same time the other fraudulent charges were incurred so do n't understand how I could be in XXXX places at once. 

Additionally, I did some internet research and found out that this merchant has been involved in several other credit card fraud complaints - I also provided this information to Capital One, but that was not taken into consideration. 

One of the fraudulent charges is for {$5000.00} and another is for {$2500.00} - these are quite huge amounts and yet I did not receive any alert or phone call from Capital One to indicate a possible fraudulent transaction or get confirmation on whether I approve the charges .... However, I was in a bad part of XXXX once and made a {$35.00} purchase and that triggered a call about a possible fraudulent charge. 

I have not made any payments for any of the amounts claimed by this merchant and I have stopped using this credit card - please let me know what options are available as this is grossly unfair and seems Capital One does not care about my side, but I do feel they should bear some responsibility for not alerting me before authorizing such huge charges, especially in a foreign country.
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All Inquires were submitted without my permission.
On  XXXX / XXXX / XXXX  A judgment was placed on my credit report from LVNV Funding LLC with  XXXX ,  XXXX   XXXX   XXXX ,  XXXX  acting as the collection agency collecting the active judgment amount from the balance of {$6500.00} from a repossession in  XXXX . Although this debt was not paid the collection agency  LVNV Funding a nd  XXXX ,  XXXX    XXXX    XXXX ,  XXXX  do not have a license nor are they bonded to collect in the state of MN where this debt initiated. On all of the documents I have received from this company both names exist and neither  XXXX  come up as licensed and bonded in the MN of Department website. I would like to complain know what actions can be taken to recoup the money paid to them and get this judgment vacated and removed from my reports as it has impacted my ability to gain credit worthiness since it has been reported in  XXXX .
Good afternoon. I'm writing today, in the hopes that you will be able to assist me in getting my loan modification completed. I have been trying since XX/XX/XXXX, to resolve this matter with Chase hyphen on XXXX separate occasions, they have requested the same documents from me, claiming that they weren't signed or that there was a page missing. My most recent communication with them was this morning, where they stated the 4506-t form that I submitted wasn't signed. The third time I've sent it now - it's been signed every single time. I have also been dealing with people who are absolutely determined to derail this process, specifically - XXXX XXXX, point of contact and XXXX XXXX, Mgr. 

I have the ability to return to good faith payments. I have Surplus income and it's clearly evident that chase is trying to push this property to sale. Please assist me here!
I got behind on my loan, I ask for 7 months can you give me and extension and put 2 months in the back and they keep telling the next month for 120 days. So they decided it was time to repo the car and the company they hired did almost XXXX worth of damage towing it, So a week later I get the car back and it is leaking transmission fluid and there was a little crack under the front bumper that got bigger from driving it. I could n't drive the car due to the leak and the bumper .The repo man found my work shirt from a part time summer job that I worked at the past two summer that I never reported to Capital One and he went to my Boss and told him about the repo after the I got the car back and retaliated against because I complained about him damaging my car. I sent capital one the text and they tried to cover for him saying they do that to find the car, but the I told them it was after the fact and I never reported that job to you or on my credit report and that was violation of privacy laws and you ca n't do that with my personal information. They want me to pay this man for the repo is the crazes thing I ever heard and they will not waive it and I have n't had a car since XXXX and been paying people for rides and a rental car.
I have repeatedly told Conns to stop contacting me and they say that the calls will not stop. I am only one payment behind and have told them when and how much I am going to pay. They call me up to 8 times a day. They don't accept XXXX XXXX and want me to change to a different prepaid card or open a bank account and pay by check. Even if I did this, I would still mail in a money order. I am only 1 payment behind and some reps claim I have never made a payment and want me to produce bank statements. i don't have a bank account. I have repeatedly told them this. I am including a screenshot of the last 10 bill pay payments I have made.
I received a promotion e-mail from American Express Delta SkyMiles around middle of the XXXX to use there credit card when you purchase travel ticket and get the first checking luggage free. 

Earlier XXXX, I called American Express to confirm this promotion and the customer service told me it's true promotion when you use there American Express Gold card to purchase the traveling ticket. 
I purchased my ticket around XXXX and XX/XX/XXXX. I called XXXX XXXX customer service at least 3 to 4 times to confirm the American Express Delta Gold card promotion. Likewise I called American Express customer service also 4 times where one person told me that if XXXX XXXX charge me for the first luggage American Express will reimburse me. I remembered that I called both on XX/XX/XXXX before I travel out. My phone record will proof of my contact with both partners. 
I had a receipt charged {$200.00} for the 3 luggage. I flew international flight and I am require to 2 luggage 's regardless. I called American Express to dispute the charge and I was giving credit with an e-mail conformation of the credit. A month later, the charge was put back to my account. I called American Express card customer service supervisor that promise to investigate and states to call me back in two weeks. Until now, there was know nobody call me to solve the issue till now.
A charge was made by a company making false claims for a product and also added an additional product not purchased. The bank will not honor my dispute and is charging me absurd late fees on balance not paid.
On XXXX XXXX, I received a voicemail from XXXX XXXX ( sp? ) stating that he intended to serve me with legal documentation that required my signature. He stated that he would come to my place of employment between XXXX and XXXX, and proceed to my home and " wait there a while for me to show up. '' He said if he did not see me TODAY, it would result in further action and be considered a " missed appearance. '' The number he left was XXXX, and I needed to reference my document number, which was XXXX. I called this number and spoke to a XXXX XXXX. This person told me they wanted to settle an old debt. He gave me two different amounts that I owed ( $ XXXX and then $ XXXX ), and said they would settle for {$400.00}. He asked for debit card information so I could pay, and also gave me payment options. This was suspicious to me, so I asked for his business name, which is Audubon Liberty Associates. He gave me three different phone numbers when asked, and when I asked the physical address of his business, he first said they were in North Carolina. When I asked him again, he told me they are in South Carolina. When I told him he initially said they were in North Carolina, he responded " No I did not. '' He got rude when I pushed with more questions. He refused to give me the physical address of his company. He gave me XXXX digits and asked if those were the last XXXX of my SSN. They were not. I asked what address they had on file and it was not at all familiar to me. After I pushed, he then said they must have the wrong person. It was clearly a scam.
I received a call from a " XXXX XXXX '' who left a voice mail on my girl friends phone. She stated that charges are going to be filed against me and my social security number. She left no company name, no explanation as for the call except that charges would be filed against me. I want to see them ( Zenco ) in court in XXXX XXXX Oregon where I live, at least in court I can have discovery. I am afraid that some company like this will take legal action, for what I have no idea, and obtain judgment or press criminal charges without notifying me as required by law. I returned the call and left a message asking for verification of alleged debt or charges.
I did not owe this amount, the Convergent agency lied on the report to say the account was opened on XXXX XXXX 2015. There is no balance on this account and I have requested this entry to be removed from my credit report with them several times including call on XXXX XXXX and then again on XXXX XXXX.
Collection services of Athens has faailed to live up to section 809 of the FDCPA. 
I sent a certified letter in the mail to Collection Services of Athens. This letter was a validation of debt letter that was sent out on XX/XX/2018 and the company recieved the letter on XX/XX/2018. Tracking number XXXX confirms that the letter has been in the posession of Collection Services of Athens for more than 30 days with no response which is a direct violation of the FDCPA section 809 Vaidation of Debt. Since the company has failed to respond I am demanding that this item be deleted from my credit report and a letter on Collection Services of AThens comapny letterhead is sent to me conforming the deletion and also contact all three of the major credit bureaus of this deletion request at once.