WillisBack/dataset-financial-user-claim huggingface dataset:
Signed up with a billing company to pay for a gym membership. The original company has been paid in full and has given me ample documentation to support that my account is closed and completely satisfied. 
A few months before I fulfilled that contract, however, another billing company which I had never heard of contacted me separately and told me they would be billing me for the same contract, but a much higher amount. They insisted that the original billing company had assigned the account to them but would not provide any documentation to the fact. They proceeded to autodebit my account, which was made possible because the gym gave them my billing information before promptly going out of business, preventing me from contacting them. 
After fulfilling the original contract, I presented this information to my bank during their investigation of the wire fraud. The second company then responded by assigning the fabricated debt to a collection agency, which then reported the information to TransUnion and XXXX. 
Upon requests under the FCRA to the credit agency ( XXXX XXXX XXXX XXXX ) and Transunion both for validation of the debt, I was merely sent a copy of my original contract with the first company and told that it was valid. All parties plainly ignored the documentation I submitted to them from the contract company, including detailed payment records and a plain-text statement that the account has been completely satisfied. 
The gym which opened the account in my name has closed ( XXXX XXXX XXXX in XXXX, SC ). The billing company who attempted to autodebit my card ( XXXX ) has closed and re-opened under many names. In fact, a simple google search on their business leads to a wealth of information about their shady practices and willingness to verbally abuse their victims. 
TransUnion has elected to not exercise due diligence when investigating my account. This is evident in the fact they attempt to " verify '' the debt by referring to my contract with XXXX, in spite of my submitting plain-as-day letters and statements from XXXX stating that the account is completely satisfied. To make matters worse, they did n't even bother verifying the amount : The contract clearly states a total amount of {$1200.00}, but somehow this has turned into a debt of {$1400.00}! The fraudulent debt quite literally added an arbitrary amount to the debt without any explanation as to why, but this was also ignored. No party attempts to deny that the account in question is the same one that is already satisfied, demonstrating that this collection account is a shameless attempt to force me to pay twice. If a plain English statement from the creditor that this debt is invalid is not enough to invalidate the debt, what in the world is?
The following is an explanation of the background and issue I have had with Capital One. 
I had purchased a XXXX vacation program in XXXX XXXX. The XXXX vacation membership program I purchased included a " XXXX '' benefit where the owner would be reimbursed for the time share maintenance fees in exchange for XXXX to have rights to the timeshare for the corresponding week. I submitted my time share for cash exchange and was advised that it would not be accepted since the all-inclusive was mandatory for the time share. This exception was not disclosed to me at the time of the purchase of the vacation membership program. I was also not advised that there was a service fee for the cash exchange and that the week had to be reserved for a specific week of the year. The XXXX XXXX was the primary reason I purchased the membership program. XXXX has not paid the maintenance fee for my time share as they agreed to in the contract. I contacted XXXX after receiving the XXXX email and was advised that they would not honor the cash exchange for my time share. I requested a refund and was advised that they would not refund the charge for the membership. 
The merchant has not addressed the issue during any part of this review. The information they responded with did not in any way address the issue. 
I have contacted the Merchant, XXXX XXXX XXXX XXXX, the merchant, several times and left my contact information. I have not received a return call. My most recent message was on XXXX XXXX, XXXX. I sent an email to the merchant and they did not respond to the issue. 
A second opinion from an attorney was provided to Capital One indicating that the Merchants actions were considered fraudulent in nature. 
A second opinion from another merchant in the same field was provided to Capital One indicating that the Merchant 's actions were considered fraudulent in nature. 
When I learned that the merchant did not disclose the pertinent information about the vacation program to me and because of that I could not use it, I requested Capital One to dispute the charge. I have provided an explanation of the issue and second opinions from an attorney and another merchant to Capital One. All of the documentation requested by Capital One was provided. Capital One has not addressed the issue with the Merchant. The Merchant has not responded to the issue. There is no mention of the cash exchange in the Merchants correspondence. The second opinions clearly state the actions by the vendor were fraudulent. Capital one has not clearly stated why the dispute was considered resolved in their opinion. Capital One has not appropriately addressed this issue.
I have paid all final charges from XXXX. I paid all fees and charges before canceling service.
I still have tax Leins on my credit reports, that should have been remove by XXXX XXXX, 2017. They have aready been released from trans Union an XXXX, but no matter how hard I try to get them remove them they wo n't. I guess the credit bureaus are above the law. I have but up a hard fight to correct my credit, but feel I 'm fighting a losing battle. I 'm just the little guy trying to get things corrected, it 's not like I 'm asking for any favors. I just want them to follow the law, which I 've done extensive research on. I am XXXX and should n't be made to undergo this much stress.
I was living with my parents and overpaying my loan by {$200.00} a month. Combined with my federal loans and another private loan, I was paying about {$800.00} a month. When I wanted to move out, I called Navient to change my loan payment back down to the minimum that I was paying before so I would only have to pay {$600.00} a month. They told me that I could n't do that and I was stuck with the higher payment. With my budget, this left me unable to move. I had to borrow money to pay off the loan in full so I could refinance and make my monthly payments lower.
Hello XXXX and XXXX, this is again a very confusing arrangement we have I have just received a payment notice change which I have attached and yet you are proceeding with a sale and I am yet to receive any communication on the re instatement of my loan or proof of the returned 12 months of payments for XX/XX/2017. Please call me to explain this.. 

Again Ditech is violating codes of the California civil sections 2924.11 2923.7 and the are in violation of the business code section 17200.et seq and most of all ACCOUNTING!!
Pace Financial in XXXX, TN is horrible & when your unable to make your scheduled monthly payment they call & say if you do n't pay by the end of the month your vehicle will be repossessed because we have to have it in here by the end of the month or it goes to managers review. They keep you on the phone when they call for XXXX or more mins lecturing you & repeatedly tell your hurting yourself & your car will be repossessed if you do n't listen to us!!! They have no compassion to your situation or circumstances!!! Def stay clear of this company!!!
I called adastra recovery services because I recieved a scam call claiming to own the loan. Ad Astra reisured me that it was a scam. The supervisor named XXXX then asked what I would do about the debt. I explained that I could not pay it at the moment. He then started asking if I could borrow the money. I explained no one will lend me the amount. He then proceed to call me lazy and not willing to work with them, he even went as far to say he is debt free and was not a dead beat like me. I then was reduced to tears and asked him kindly not to call me he said he would continue. I then stated it was a cell. He then agreed to discontinue communication. As I hung up he called me a joke of a man. When I complained to ad Astra and there quality control Specialists they then sent the debt back to XXXX XXXX " the original debt ''. XXXX XXXX did take another complaint but I have asked numerous times for an apology or just someone to aknowledge my complaint. I have left numerous messages with XXXX to call me back and she has failed To do so. The debt is no longer an issue because XXXX XXXX said it is taken care of. So there is no more debt all I 'm seeking is an apology or aknowledgement of my complaint.
Citi bank issued a promotional VISA card to me and I have about {$50.00} left on the card. Citi is saying that the card has expired after 6 months and it has no contact information on the card so I could inquire about the balance. After doing an internet search to try and contact them ( since information was not provided on the card ), I found that their website states that, " The Citi Prepaid Card expires after 12 months from the issue date. '' The card was issued to me on XXXX/XXXX/XXXX, so even according to their website, I should be able to finish using my card. 

I feel that this is in violation of the Credit Card Act of XX/XX/XXXX, under Title IV on Gift Cards, where the law states that : " the expiration date is not earlier than 5 years after the date on which the gift certificate was issued, or the date on which card funds were last loaded to a store gift card or general-use prepaid card. '' I feel that they are in further violation of this Act by not providing contact information on the back of the card in order to obtain further information and by not posting accurate information about this account online for public viewing. I attempted to contact them ( on XXXX/XXXX/XXXX about XXXX AM PST ) to rectify the situation and they refused any type of satisfaction.
US Bank keeps sending letters for a lease vehicle we no longer own. It was turned into dealer one day before end of lease and have threatened to turn into a credit bureau.
Back in XXXX of 2015, our mortgage was transferred from XXXX XXXX XXXX to Nationstar. When this happened, we discovered an erroneous charge/late fee on our account. When we went to dispute this charge with XXXX XXXX XXXX, they referred us to Nationstar. We contacted Nationstar several times, via phone and email to rectify this situation. After the XXXX attempt, Nationstar confirmed that they would take care of our account and give our account a current status. However, that has not been the case. Due to XXXX XXXX XXXX and Nationstar 's errors and omissions, not only has our account suffered, our credit score has been damage by at least XXXX points, if not more, and we still have not been able to get any assistance with this issue. I want to file a formal complaint against XXXX XXXX XXXX and Nationstar for their lack of customer service, their unwillingness to assist us, and for damaging our credit scores. Please let us know what other avenues we have to make this right.
I requested that Equifax conduct an investigation of errors on my credit report over 45 days ago. They have yet to respond.
XXXX XXXX sold my payday loan to Oracle Financial. Oracle Financial used some illegal practices, first by claiming that Money Key had sued me for fraud ( they had not ), then trying to parlay the alleged Federal fraud suit to either collect the original total debt of about {$400.00} TODAY, or I could hire a lawyer and take my chances in Federal court and being stuck with a suspended drivers license, prison, property seizure, and/or garnished wages totaling {$1200.00}. The person I talked to in calling them back was especially aggressive with all this, and I hung up on him. I then called XXXX XXXX, which finally got me to an XXXX number for Oracle ( I assume that the first guy was also Oracle -- -they are XXXX in XXXX ). The first person I got in calling their XXXX number ( XXXX XXXX XXXX ) was helpful, but then I was transferred to others, where there was an attempt to say that I was someone named XXXX ( I am not ) and that I was in Texas ( I am not ). They also got huffy when I would not give them an alternate phone number such as my work number. Overall, Oracle was being extremely aggressive and appeared to not be terribly well organized. I hope I have not been scammed, and they really will properly collect the now-arranged for payments ( to be done in mid- and late XXXX ) and then leave me alone, ideally with a mailed receipt reflecting the discharged debt. I have put my bank on alert in case Oracle tries to make a collection in the next few days, which has not been authorized.
Mortgage servicer Loancare has repeatedly failed to credit our account after cashing payments. Just months ago fought through their system to get our payments credited to account but now its happened again and they are negatively impacting our credit rating and in essence creating a XXXX job for us to have our payments credited.
I have applied for loan max title loan and I have been paying on this account since XXXX/XXXX/2014 I received the loan on XXXX/XXXX/2014. now I have been paying {$210.00} every month to find that because i was late the money paid every month for almost 1 year will not count against the principal or the loan only interest which i totally do n't get. so these people are telling me that i have still have an almost {$11000.00} balance and the loan was for {$850.00} i have already paid {$1200.00} This is robbery as well as unfair business. I need assistance ASAP
On XX/XX/XXXX I spoke with a paralegal rep by the name of XXXX @ XXXX XXXX XXXX XXXX XXXX ATTORNEY AT LAW XXXX XXXX XXXX, XXXX, NJ XXXX Office # ( XXXX ) XXXX Toll Free Fax : ( XXXX ) XXXX or ( XXXX ) XXXX I ask this ( ( XXXX ) ), why in fact I have not received ALL payments receipts nor any kind of notifications from this collection agency sinceXX/XX/XXXX & that the last notification was from Attorney XXXX XXXX which is a copy of the letter to the Courts of canceling/withdraw our court date XX/XX/XXXX @ Mag. Dist No : XXXX, MDJ Name : Honorable XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX tele : ( XXXX ) XXXX .. in which I was being sued from XXXX XXXX XXXX XXXX XXXX the matter of their client : XXXX XXXX XXXX vs. XXXX a/k /a XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom I have trouble with in the past year has been rude and totally disrespectful as to my many complaints to this firm simply hung up on me and I call right back and requested the same and which to receive so with the help of CFPB please.. as to the fact that I am up to date with payment to this collection agency and I have no payment record keeping of my own as proof of all payment from this firm ..keep in mind if the firm follows policy of their own we will not have to trouble one another in the future this is not right as I was told I would property review a bill in the mail with the due date and balance of record from this collection agency .. 
Question : HOW AM I TO KNOW WHAT I HAVE PAID AND HOW MUCH IS OWED IF THIS FIRM DOES NOT GIVE ME PROOF AS PROMISED.. 
IF THEY CAN TAKE MY PAYMENTS ON A MONTHLY BASE THEY NEED TO SEND AND HONOR MY REQUEST ASAP.., AS THIS IS LAW.. AND MY RIGHT.. 
this is in their records and this is my formal request as to I will NOT make anymore payments to this collection agency cause I will move forward and dispute the entire debt collections as to their default on their agreement... 

Docket No : XXXX Case Filed : XX/XX/XXXX XXXXXXXX XXXX XXXX File #, Account # or Docket # ( ( ( XXXX ) ) ) XXXX XXXX XXXX XXXX XXXX : ( ( ( XXXX XXXX XXXX a/k/a XXXX ) )
I am a victim of identity theft. I have notified the following credit bureaus they are reporting these fraudulent accounts that are a result of identity theft ; XXXX XXXX XXXX # XXXX with Experian and XXXX XXXX XXXX XXXX XXXX # XXXX with XXXX XXXX. I have supplied the Credit Bureaus with my dispute letter detailing the accounts that are fraudulent and were created by someone who used my personal information and identity for fraudulent services and financial gain. I also detailed in my letter, describing how it was not possible to create these accounts because I no longer was in the state the account and contract was created in. I also disclosed to the credit bureaus the suspects who forged my signature and used my personal information are XXXX XXXX and her associate XXXX XXXX. I believe they used my personal information and created these accounts, as they had access to my personal documents. I filed an identity theft police report with the police department, notarized Federal Trade Commission ID Theft Affidavit, and disputed the fraudulent accounts, supplemented with a copy of my drivers license, social security card and utility bill. I ensured my letter had my current address in the letterhead, date of birth and social security number. The Credit Bureaus failed to give a reasonable investigation to my disputes. If they did, they would have observed I provided abundant information to support my dispute and claim. I am a victim of identity theft and these accounts are created by the theft.
Someone took out a fraudulent student loan in my name with XXXX XXXX University through Navient and both XXXX XXXX University and Navient have refused to help me, even though I submitted police report and fraud affidavit.
On XX/XX/2016 I applied online to open a Citibank Account Package checking account. This was done in response to their website promotion ( code CZKD ) which promised a {$400.00} credit ( to be paid within 90 days ) after having maintained a {$15000.00} for 30 consecutive days. A total of 120 days. I fulfilled the 30 day requirement on XX/XX/XXXX. Today, XX/XX/XXXX, I have yet to receive payment or even confirmation that payment will be forthcoming. CitiBank has only told me that they have 'opened an inquiry ' but offers no further information. There are hundreds of similar complaints lodged against Citi in the CFPB database. Their promotions appear to be empty promises.
I 've initiated several disputes with Experian over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. XXXX & unknown medical collections are one in the same, but neither one can help. So how is it the Bureau claims to have all the info, but they ca n't find me in their system. First credit keeps reporting every month even after receiving my documents months ago, and the debt supposedly was a vacuum cleaner?? and there is a loan fro XXXX? No clue even after calling their fraud department. I would never get a vacuum for this much and would n't buy it from a place called XXXX. What I 'm uploading now is just XXXX of many. I am hoping to get some resolution to this and focus on my children and work. Hope this finds you well Consumer financial protection bureau. Thank you for hearing me and my husband today.
I cancelled membership with XXXX XXXX XXXX XXXX both in person and in writing, effective XXXX XXXX, 2010. The fitness center continued to charge my account.
Starting in XX/XX/XXXX, I attempted to have Experian correct my report via their internet option. 
It did not work and there was no one to help me via phone. I wrote them and they took a month to respond with my report which was still wrong ( they were reporting to other credit reporting agencies that my identity had changed which it had not, which prevented banks from opening an acct for me ). I wrote them again and they still have not responded with corrections. that has prevented me from opening an acct. Neither have they corrected other incorrect info. Neither have they provided my FICO score which I have not requested for several yearsXXXX XXXXXX/XX/XXXX
I was contacted in a voicemail to call phone number XXXX. They stated they were XXXX XXXX XXXX. I was being sued for a XXXX XXXX debt of {$1000.00}. This debt does not show on my credit report. They called my me, my wife, my son and my job. When I tried to find out more information about this cam they just threatened me.
Disputed with the EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from EQUIFAX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account XXXX XXXX XXXX XXXX in the amount of {$3000.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail EQUIFAX is not responding to my correspondence.
This complaint is about XXXX XXXX selling my debt to Pinnacle Services LLC continuously. XXXX has been removed from my Credit reports onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Ive disputed this many times asking for validation of this debt and XXXX fails to do so which has resulted in their removal from my credit report, numerous times. Each time this company reports as a debt, my credit score is effected. Not only is my credit score in  jeopardy but so is my financial history. If XXXX can not validate this debt properly, why are they continuously placing this debt on my credit! My credit has taken a deep hit because of all of these reinsertions.
XX/XX/XXXX After reviewing my 3 Credit Reports in early XX/XX/XXXX I noticed that Wells Fargo incorrectly reported some months in XX/XX/XXXX where I was going through a Loan Remodification with them as late. However, I was not late with them because that was during the time I was given a new payment and a trial period where I could NOT be late or else the loan modification would have been forfeited. 

I sent the letter below to them address to XXXX XXXX at the XXXX XXXX, IA office on XX/XX/XXXX " From XX/XX/XXXX- XX/XX/XXXX I  was behind on my mortgage. In XX/XX/XXXX, the short sale process was initiated. I had to submit a Hardship Letter to Wells Fargo ( attached ) in XX/XX/XXXX. Up until XX/XX/XXXX Wells Fargo was asking for additional documents to push through the short sale ( attached ). 

In XX/XX/XXXX I was motivated to keep my house because Wells Fargo contacted me about the Loan Remodification program and in XX/XX/XXXX my loan remodification was accepted ( letter attached ) and I was put on the FHA HAMP trial plan from XX/XX/XXXX - XX/XX/XXXX. All of which I paid on time. I was working with XXXX XXXX/Home Preservation Specialist. 

However on my XXXX and XXXX  credit reports it indicates that I was 180 days late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In addition, I was on time from XX/XX/XXXX through XX/XX/XXXX. 

Both credit reports have me listed as 180 days late in XX/XX/XXXX which doesnt make any sense, since my credit reports have me being on time the previous 4 months ( XX/XX/XXXX - XX/XX/XXXX ). ''
I have an American express gift card and seen that my balance after using it was lower than what it should have been. I went on the American express gift check your balance website and seen that there were XXXX identical transactions made on XX/XX/2016 each for the amount {$100.00} that I have not made.