WillisBack/dataset-financial-user-claim huggingface dataset:
I 've received a bill from American Education Services that states to date I 've paid on my private loan {$43.00}, XXXX yet still owe XXXX on a loan I pay {$460.00} per month on for the past 10 years. If this were a federal loan I 'd have had it paid off by now however because it 's owned by American Education Services they can charge both interest rates and payments and thus I 'll be in debt for the next 40 years. XXXX I have paid my debt on time every month however, if there has been a delay in their processing they have been threatening via email, and phone to myself and my mother and have threatened to take her home. I have no logs of these calls. But they happened.
Open a charge account with XXXX ward back in XX/XX/XXXX.I have used the account in the past and paid the entire balance.However, upon realizing that such account was n't been reported to any of the corresponding agencies. I decided to close the account.In such case I contacted XXXX ward back in XX/XX/XXXX and asked that they close the account. 
However, XXXX ward has kept the account open.
Capital One has been dropping the ball repeatedly and the amount of time and inconveniences they have caused me has gone too far. 
I purchased two airline tickets on XX/XX/XXXX, the first in the amount of {$160.00} and the second {$370.00}, it takes a lot of planning and time spent in deciding this purchase but to hit a wall I didn't see coming? again, this is not the first time either, same thing happend exactly 7 days ago, none of my cards with Capital One wouldn't process and when I called the representative then, they are not willing to take responsibility, nor apologize or explain as to why, this is ridiculous! Yes, my funds are plenty! And this is not user related issue believe me ( browser, internet connection, typo or whatever crosses your mind now ) I know what I am doing, it seems the transaction went through for now, that is what it appears like, but no pending transactions are showing in Capital One pending activity page for the entire day that I made purchases for, forget the past hour, and the agency I purchased the ticket from may not be issuing the ticket because nothing has gone thru, this is taking owefully long and that is what prompts me to dig deeper and find out there is " system update '' going within the Capital One, whatever that means, that doesn't mean anything to the customer, just words, be transparent and let your customer know before they get impacted, be transparent and professional. How am I suppose to know if my online purchases went through or not, if I am not receiving the usual email, texts, and also doesn't show under pending transactions for hours? And in last weeks case, it just wouldn't charge at all, I had to call and provide my card information to make that purchase, why all these unnecessary hassle? Now, if I don't get that ticket processed soon, the rate will change and I will be forced to look for other financial institute that would like to take my money but at the same time are stable, communicative, transparent and professional, these are the basic principles, ... come on! 
I just want Capital One to take this seriously and stop this " brown outs '' which are not acceptable in my book.
I disputed a CFS2 trade-line on XXXX of my credit reports. These were initially disputed on XXXX XXXX, XXXX to XXXX via certified mail and XXXX on XXXX XXXX, XXXX. Each of these were verified by CFS2. 

I subsequently received letters from CFS2 dated XXXX XXXX, XXXX and XXXX XXXX, XXXX stating they did not have the necessary information to verify my account and would need 60-90 days to do this. I disputed this trade-line again with both XXXX ( XXXX XXXX, XXXX ) & XXXX ( XXXX XXXX, XXXX ) and CFS2 verified both accounts again.
Received notification from credit bureau regarding debt of XXXX from XXXX this was a previous debt that was previously disputed and resolved by Amsher collections and it was verified that the debt did not belong to me and the credit was deleted in XXXX. I have no knowledge of this creditor i was never notified via mail nor phone regarding debt
I had to take out these loans to pay for my XXXX school at XXXX college. But they closed down therefore, I never used these loans.
Received an email on XX/XX/XXXX stating that I was approved for a {$400.00} loan and that my first payment was due on XX/XX/XXXX. I immediately called the company from the email by the name of XXXX XXXX and spoke to a lady customer service rep and explained to her that, I did not apply for a loan from this company ever and asked what personal information of mine they had on file. She did give me my correct information but all the information was very old. The employer they had listed, I havent work there since XXXX and the address they have on file, I moved from in XXXX. The phone numbers are very old and has not been in service for like 4 years. The bank account that was on file has been closed for about 4 years also. I explained to her that someone has to be using my old information. She stated that she would speak with her supervisor and request payment to be stop from going into that old bank account. On XXXX/XXXX/2017 I received another email stating that my payment was returned by my bank for non sufficient funds ( even though the first email said payment due by the XXXX ). I called once again and this time the lady stated they were working to resolve this matter and I have not recieved a response about the outcome. As of today I went to their website to see if that account was closed but its still showing active with late fees. This is fraud and stealing off my personal information they probably bought from an old company. The IP address XXXX XXXX showing at the time the loan was accepted does not match my IP address.
I have contacted Experian and XXXX to have incorrect addresses reported on my credit report removed. I have written letters, filed disputes and it has not been resolved. I will attach my most recent letter regarding the information and request to remove.
I had vehicle problems and needed some quick cash so I took out a loan of {$550.00} from Ohio Acceptance. It was all done over the internet and quickly. They set a {$100.00} payment to come out of my checking. So far i have paid them over {$1000.00} back and they still say i owe them $ 600+. This is completely ridiculous and they are preying on consumers with poor credit. I do n't even think it is legal to charge 700 % interest and I definitely did n't know this was the case. Every week now a few times ( six times last week ) they try to deduct my account which i have told them is empty and I keep getting overdraft after overdraft. When I contacted them about it they pretty much laughed and said there was nothing they could do. Meanwhile i am in financial ruins and ca n't even pay my bills over this nonsense.
Wells Fargo is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices by denying XXXX a loan modification for which they qualify for and not serving in the best interest of their Loan Investor and denying the Homeowner a fair opportunity to keep their home.
No support was provided. If I have a doctor bill then I want to see it, since I have not lived there since  2008. T his in reference to my original complaint  XXXX .
I received a notice to apply for CashNet in the U.S. mail. The notice informed me that I was pre-approved and eligible for a {$2600.00} loan in which I accepted. Upon accepting the loan, I was then placed on a repayment plan that will total {$8000.00} once the loan is completed after a 15-month period. I was not informed of the 3-digit interest rate prior to applying for the loan. Also, I called the loan company in order to request an extension on my first payment, which was due two weeks following the loan approval. I was told that I had been granted the extension, however payment was still debited from my account and as a result my account was in negative. The {$60.00} that was remaining in my account was charged due to overdraft fees. I have had to close my account as a result, as this action on the part of the company made it difficult for me to cover daily expenses such as buying fuel and food. I live in the state of CA and I see that legally a pay day loan is to only allow a maximum of : Maximum Loan Amount : {$250.00} if maximum fee charged. If this is true, the company also violates this law.
I disputed bankruptcies that are reporting on my credit report. They came back verified but I do n't understand how they are verified when no proof has been given although requested also my XXXX credit file has a freeze on it. I have had a freeze on my account for a few months now so I 'm unsure of this information that is listed on my credit report.
SOUTHWEST CREDIT SYSTEMS LP has issued a collections to all XXXX credit reporting agencies. I called and when I called they said it was a bill from XXXX XXXX XXXX - this is not possible as I have been a XXXX year client of XXXX XXXX XXXX in good standing. When I asked for more specific information I was passed to XXXX different people - all of whom said it was a XXXX XXXX XXXX bill. When I had said this was not possible and they needed to remove it from my credit report I was told " We understand, but we ca n't do that '' - I insisted they could. I was passed up the food chain and was told the same thing - on the XXXX person I was then told that this was not a XXXX bill, but rather a XXXX bill from over XXXX years ago. I left XXXX years and years and years ago and said I had no bill and could they show me the bill and why were they saying XXXX XXXX XXXX? I then was told that this was fraud and they would sent a packet in the mail - the packet insist I file a police report and supply a substantial amount of documentation. This is all very much not above board - I was given wrong information, given improper information on my rights, they do n't have a bill - How can I file a police report from a bill from over 5 years ago of which no one can get me a copy of said bill? Also, no answer has been given about the XXXX XXXX XXXX bill which is what XXXX of their agents told me prior - lastly, saying " we ca n't do anything on the credit report '' - when they issued it, do n't know what outstanding bill there may or may not be - is very troubling. Only because I knew my rights was this issue escalated and even now - they have no bill and no information.
I, XXXX XXXX XXXX give permission to work my credit case file to get resolution to this matter. I called TransUnion today to inform the credit agent to please submit my dispute to report the correct Account History field to read, " Debt included in Chapter XXXX Bankruptcy was filed, and reported to XXXX XXXX XXXX in XXXX XXXX! TransUnion continues to report incorrect information on my credit profile. TranUnion is not properly validating the true file date of my BK-XXXX to be XXXX XXXX to be reflected onto the ACCOUNT HISTORY field of my report, but keeps reporting the incorrect BK-XXXX date as XXXX XXXX, XXXX and is not true data. The credit agent is to see if my request can be validated and confirm the correct BK-XXXX file date to Regional Acceptance to show XXXX XXXX and NOT XXXX XXXX and not reflect any late payments prior to filing BK-XXXX is WHY its very important to change the Account History date field on my credit report. Please make the necessary corrections, for this is to stay on my file until XXXX XXXX, and I want the revision completed as soon as possible! I have submitted documents from their database to show the discrepancy and to fix it right away. I have also left a message ( XXXX ), for XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to make this correction and re-insert this account back onto my account that was not supposed to be deleted off of my TransUnion report # XXXX, dated XXXX/XXXX/XXXX. it 's not supposed to be removed off any of my credit reporting accounts, and is to stay on my report until XXXX XXXX. Why are these companies getting away with violating FCRA laws? I am tired of the deceit and unlawful credit reporting that is done behind my back! These credit reporting agencies and XXXX XXXX has created costly damages to my credit scores that I will not be able to regain nor recover from XXXX XXXX. According to their letter dated XXXX XXXX, XXXX, XXXX XXXX was to re-insert the trade line - it was not done and does not show in my TransUnion report at all ... ... Will you please assist me in this matter? Thank you.
XXXX XXXX, XXXX XXXX XXXX is an address I never lived at and it has been there over 40 years wrong and NOT amended. 
I have another issue with the previous owner of this house I now live in XXXX XXXX XXXX XXXX, XXXX, AZ XXXX as still listed somewhere as still having a business working there I have lived here since XXXX XXXX and I had to sign a waiver when refinancing the house stating there 's no business there.
XXXX XXXX XXXX placed a collection on my Experian credit report on XXXX XXXX, XXXX for {$680.00}. I have never received any communication regarding this account via XXXX Mail from XXXX and had no idea what it was for. It did, however, look familiar and further investigation of my XXXX credit report from XXXX XXXX, shows that XXXX had the same collection on my credit report then for the same amount but with a different account number. I had not received any communication regarding the previous ( same account ) back in XXXX either and when I discovered it on my credit report, I sent a letter to XXXX requesting validation of the account per the FDCPA. This was sent on XXXX XXXX, XXXX. XXXX has never responded to this request. I also disputed the account with the credit bureau around the same time and XXXX subsequently deleted the account from my report on XXXX XXXX, XXXX. 
I have never received any mailed communication from XXXX, nor have they every validated the account from my requested in XXXX. I disputed the account they are currently reporting on my Experian credit report and received notification that it was verified as accurate. How is it possible that XXXX can validate a tradeline as being accurate when they admittedly do not have information about the account in their possession and can not provide it despite my request for validation over a year ago. XXXX is deliberately trying to poison my credit rating by reinserting this alleged account on my credit report. They can not provide documentation to me proving that I owe the debt nor can they show proof that they have any legal right to collect it, yet they verified it as accurate to Experian.
On XXXX/XXXX/15 I received an email from a XXXX XXXX. Case XXXX Amount Due XXXX Loan Company USA Fast Cash. They claim they are going to prosecute me within couple of days. The email stated the XXXX XXXX XXXX XXXX has stated XXXX serious allegations against me. The telephonenumber to call is XXXX. I have never borrowed money from USA Fast Cash.
Wellsfargo flagged my account and took money from my account to cover a transfer that has been authorized by the owner of that account. My case and account has been handled very poorly. They overdrafted my account and I do not have overdraft protection on my account. Which reminds me, every 6 months i have had to call up wellsfargo and remove overdraft protection services because it keeps getting putting back on my account. Ive gone online to remove the service and ive had to call to remove the service 3 times. They collected on fees and charges they were not supposed to take and i have never been refunded those amounts. One time i got them to remove an overdraft that was never authorized and they said oh well we can only do this one time ... as if they were doing me a favor. Now they have my account on hold which again overdrafted me XXXX. They said it was to cover the suspicious transfer made to my account. Now they are making so XXXX difficult to get that overdraft off my account and give me back my money that was just deposited into my account for my car payment. Wellsfargo used that money to cover their overdraft they put on my account. I have done everything to settle this and so has the other person who transfered into my account. Theyve already spoke to that person and he authorized his payment to me. I want to close my account with wellsfargo but i want my money back that they took to cover an overdraft that wasnt supposed to be there in the first place.
I had about 12 late payments to report on my credit report because of an inaccuracy on their end. My student loans are deferred until XX/XX/XXXX so I am not sure why XXXX accounts state that there was a 90 day late payment back in XX/XX/XXXX. This has impacted my credit report in a tremendous way and I do not feel that it is right. I have tried contacting this business and was not able to speak with a representative.
I was contacted by a company last year. The company was called XXXX they said if I pay a consolidation fee that after a few years my loans would be forgiven. They said they would walk me through everything and keep me updated. After a few months I talked to my actual student loan provided and said I was not in such a program and that was not true. I tried to get a hold of the XXXX company and it seems like they changed names a few times. Now they are called https : //www.simplerepayment.com/ Simple repayment. When I traced who was taking the money out of the account I called the bank to stop it and the company put a collection notice out and said I had to pay or else I would be taken to court. At this point I had no contact with anyone from the student loan group or the collection agency taking the monthly deposit out. I have tried to cancel but can not and they keep taking a monthly fee out.
All actors have been fired, yet still, the agents and actors are attempting to extort monies and property from me. In addition, all alleged debts, have been on national level, released, see 2nd attachment, on page 2, A5 highlighted in red for easy detection, " XX/XX/XXXX, 2017 : XXXX/XXXX is accepted worldwide and new elections will be announced replacing the removed dark ones with the introduction of Common Law in governments and courts everywhere. ''
I received the American Express XXXX XXXX card in XX/XX/XXXX. Part of the promotion was that I would receive a free weekend night certificate to use at any hilton hotel upon payment of the annual fee after holding the card for 1 year. At some point in XXXX Amex had a brand change where they automatically changed all Amex XXXX XXXX cards to Amex XXXX XXXX cards. This rebrand included new terms where consumers now needed to spend over {$15000.00} to receive a free weekend night at a XXXX XXXX. These WERE NOT the conditions to receive the free weekend night when I applied for the XXXX XXXX. 

I have held the ( former ) XXXX XXXX card for over 1 year and paid the annual fee. After repeated attempts to work with Amex to grant me the free weekend night certificate, I have not yet received the certificate. I have acted in good faith and fulfilled all of my obligations under the credit card agreement that I signed up for. I want Amex to honor their obligations and provide me the certificate as promised.
I did a loan modification with XXXX XXXX XXXX. After failing behind in my payments unfortunately, again after the modification, I did a deed in lieu of foreclosure with them. When I did the loan modification I was issued a new account number. The account number relating to the deed in lieu of foreclosure, is marked " paid and closed '' and " pays as agreed ''. My original account with XXXX XXXX XXXX with the original loan I received, ( before the loan Modification ) is marked as a current status of " 120+days past due '', which it should not be marked as such. I am requesting the current status be changed to " paid and closed '' or " pays as agreed '' or " closed ''. Equifax said they contacted XXXX XXXX XXXX and XXXX said that 's how the file should be marked as. Thank you for your assistance.
XXXX, XXXX, and Experian are reporting XXXX XXXX account that was apart of Identity Fraud XX/XX/XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX-XX/XX/XXXX paid out a Identity Theft claim for the XXXX account for Identity Theft. I have know knowledge of this account being reported. Requested the XXXX Credit Bureaus to provide physical documentation mailed to me, to support this account without any documentation sent to me. I have to confirm the Credit Bureaus physical documentation with the XXXX claim documentation.
This collection company know very well this account is not my account ; however, and this account is fraudulent, or someone working at a credit bureau. However, it didnt matter to them because it is vengeance, and revenge against me for filing a complaint before, and letting other consumers know the fact. They are disturbed at me, and worried about saving their brand, and not helping the consumer. 
They are strongly aware that nothing will happen to them since they believe they are too big to fail. I am forwarding this complaint to XXXX XXXX, and seeking her help to stop this criminalizing against consumers. 
I am filing this again because they admonished, and castigated me for filing an earlier complaint. Pro Collect, and these bureaus are mafias and gutless wonders! Why would they put these negative accounts on my credit file that doesnt belong to me, except mere retribution? I faxed my credit report, two police reports, and F.T.C. fraud affidavit to XXXX XXXX for protection. 
They are too stubborn and too crooked to satisfy the consumer. They are too concerned about these credit bureaus, and this companys brand at the expense of consumers. This is very sad, and they must punish.