WillisBack/dataset-financial-user-claim huggingface dataset:
This is XXXX XXXX XXXX and I am writing a complaint to Experian. Located at XXXX XXXX XXXX XXXX, TX XXXX. 

On XX/XX/XXXX I sent out a certified complaint to Experian regarding old information with incorrect dates on it and I asked them to remove it and they have refused. The item in question is old and must be removed because it is violating the FCRA law. I sent the same concern to XXXX  in Georgia, and to XXXX in Pennsylvania and they deleted the information immediately. 

XXXX XXXX XXXX XXXX XXXX # XXXX is passed the statue of limitation and is no not verifiable by any party, current or third. 

I strongly feel as though the are lying and have violated my rights in providing me with EXACTLY what descriptions and procedures were used to verify this. I called and requested the items and they had no answer for me post dispute, so I am very concerned and can not leave my financial life to a third party to verify whom has no proof of this sort of information in the first place. 

My dispute # is XXXX. They claim that the item should remain on file till XX/XX/XXXX but that is false. It should have been deleted on XX/XX/XXXX and it still remains. 
They proved me with no reason, explanation or proof and I am very concerned. What sort of investigation was this exactly? Why am I not able to find this expunged item and they are? Because it no longer exists. 

Is Experian 's system up to date? is there anyways of knowing how current their third party vendors source of resource is? I feel as though it is NOT up to date and it is verifying old items inaccurately. 

I truly want to save my self a day of losing work and going to downtown to print my accurate public information. SO please can this agency have them do a proper investigation and delete this Public Record item.It is genuinely overdue for deletion. Thank you
This is regarding Chase bank. I had my Wallet stolen on the night of XX/XX/2017 I Called the bank at XXXX on XX/XX/XXXX at XXXX to freeze my account. The warning was placed on the account for any suspicious activity. to contact either police or Management if anyone tries to use my Debt card or any Bank transaction. This person went to XXXX XXXX Branch at XXXX and Withdrawal {$1000.00} out of my account I only had {$1100.00} the teller either involved in this or just ignored the warning and cashed the amount without checking the signature and entered my bank account number and wrote the amount on a withdrawal slip and gave him the money. when I called the bank about this incidence they told me to go to any Branch and take care of it. 
I went to the bank and the bank manager filed all the required documents and assured me that my money will be back in my new account within 24 hours cause I was advised to open up a new account. now they are telling me that it will take 30 days before I can see my money. I called their Claims department and the manger was rude to me and told me it is our procedure to go through steps and it will take 30 days before we can refund your money. I even told him that it is your fault and because of it I will not be able to pay my Mortgage and it will show up as late. he said I will not change procedure just one is broken and you have to deal with it. 
Because of my Mortgage will show up as later in my credit. why do I have to suffer for their mistake. everyone I am talking to in ti bank is protecting the teller and I am the victim and I am rudely treated.
When reviewed credit report there were 2 30 day late remarks that were previously not removed as already agreed upon by XXXX XXXX  representative. 

I have made several attempts to resolve directly. 

The two 30 day lates are for : XX/XX/XXXX/ XX/XX/XXXX which again were agreed to be resolved by XXXX XXXX   representative on several occasions. 

This action is un responsible and needs to be corrected promptly as it effects consumer 's abilities to borrow. 

Next steps for me will be seeking an attorney to have this removed.
Previous CFPB Complaint #  XXXX . I have been requesting Fedloan Servicing provide me with itemized billing of how my payments are being applied to the  Public Service Loan Forgiveness  program since  XXXX . I have loans that were transferred to Fedloan Servicing since  XXXX , that I have made payments on every month except for  6-9  mths of possible deferments, that show I have only 2 years worth of payments on. This can not be possible! I realized a discrepancy with my PSLF payments in  XXXX  and have made countless requests with Fedloan Servicing since this time. My efforts to get a full accounting of my PSLF payments have been to no avail. I therefore submitted a complaint with CFPB in   XXXX   XXXX   to which the servicer stated they would be sending me a full accounting of my PSLF payments under separate cover. To date, I have received NOTHING! My frustration is compounded by the fact that Fedloan Servicing is the SOLE servicer of the PSLF program. So even if I transferred my loans to another servicer, I would still be forced to deal with Fedloan servicing for the accounting of my PSLF. Today, on  XX/XX/XXXX , I have spoken with  XXXX , a supervisor in Fedloan Servicing 's PSLF department who stated she was putting in an expedited request on my behalf and I would have a response in  3-5  bus. days. Although her tone seemed genuine,  XXXX  is now the  4th  rep who has told me that an expedited request was being put in the system on my behalf since my CFPB complaint in   XXXX   XXXX  . I have no faith in Fedloan Servicing 's ability to live up to its promises. They are by far, the worst servicer of student loans I have dealt with. Both  XXXX  and  XXXX  did far better jobs servicing my loans than this company. I would like the CFPB to do a serious inquiry into Fedloan Servicing and its  PSLF accounting prac tices. With this abysmal level of service, I can not imagine I am the only person having problems with this company.
Repeated phone calls ( by very polite operators ) regarding some type of traffic violation in  XXXX   (?  ) IL by someone driving a  XXXX . I do not ( have not, will not ) own a  XXXX , have no idea where  XXXX   (?  ) IL is, and probably have never been there. My attempts to get these calls to stop have been unsuccessful because all they want is $ $ $ $ $ $ $ $ with no documentation of the debt, and no research of who they are calling. Annoying, and offensive to be called at my work phone number about something that has nothing to do with me at all. The pleasant phone staff does not make up for the constant harassing phone calls.
all late payments and inquiry and other negative info on my report and filled complaintwith all XXXX credit bureau and never got any response in timely manner
Chase closed my checking account and my one chase c.c. Spent 40 mins. On phone they gave no explanation besides it's within the right to do what they want. Bullies.
I 've applied for XXXX 3 times. All were denied on separate criteria, in XXXX instance that in writing the reason for the second application being denied contradicts the criteria used to deny the third application. It was denied the second time because they said that I was in fact XXXX even though my NY XXXX XXXX and I work XXXX. So, I applied a third time with the information changed only to be denied on the grounds that the " official word '' is that my school is considered a XXXX. Help if you can. Nelnet is certainly not helping nor do I believe have they any intention of helping.
I received an alert from Equifax that I had a new account reported from University XXXX XXXX. I have no affiliation with this university. I attempted to contact the University XXXX XXXX ( XXXX ) and I was told that I was not found on their system. Then I tried to call a few more times and was told that they think they found me on their system but that they could n't provide me with information on the account because I was never a student at the University XXXX XXXX. I have tried to reach every single department possible and no one has been able to help me. They all tell me the same answers. Equifax has been notified that this is a fradulent account yet they have failed to remove it. I am undergoing a mortgage process and need this account off of my report ASAP.
XX/XX/2019 I paid for a credit check total and seen a collection from XXXX that I never had.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX {$85.00} XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX {$85.00} Could not ret/buy house due to below average Credit Score. Please help me to get rid off from this critical problem.
I received my mortgage payment coupon from Ocwen and its now {$150.00} more a month so I called Ocwen Financial and they said I am short on escrow since XX/XX/2013 so they added it to my payment starting this month. I was told by the previous lein holder XXXX that you can not have a shortage for more than 1 calendar year. My present taxes and Insurance have not hanged significantly so I do n't get it?? There is no increases in any of the taxes and homeowners Insurance an there has n't been so how can they justify this increase?? They told me if I dont pay the new amount they will start foreclosure against me. I only owe {$67000.00} on my mortgage with them and I think they are trying to steal my house because its worth a lot more. Back a few months ago I was struggling and asked Ocwen to send me hardship info and I think that 's what started this whole process working against me.. I have seen on consumer affairs page about a man having same issue with Ocwen so beware they might be trying to grab others houses too. XXXX XXXX XXXX XXXX FL
I have been struggling to make my payments and Navient made it difficult to access certain programs to restructure my repayment. For over 5 years Navient 's customer service has steered me toward multiple forbearances instead of income-driven repayment plans. I was put in forbearance plan and paid over {$500.00} dollars every month, giving Navient over 30.000.00 for free over that 5 years spent, while interests piles up. I was left with over 80.000.00 in debt. Now I am forced to pay {$1000.00} each month. 

It's not right for Navient to mess up my life like so, I am tired of Navient fraudulent practices and would to be placed in the class action lawsuits against Navient.
Hi, I have to checking accounts and one of my account I never put funds into it unless I 'm making a purchase. Once I make a purchase I transfer the fu day from another checking into the checking account that I use to pay a bill. And then a few days later after my purchases has posted from my account the bank then try to repost those same purchase making as if I have no funds in the account. There try and take money from me twice. The bank I 'm referring to is Wells Fargo bank
On XX/XX/2018 I submitted a complaint against XXXX XXXX XXXX   XXXX for a debt that was not verified. The company responded stating they had sent debt verification and the debt was valid. As of this date, I still have not received validation of the debt other than an invoice received, on their letterhead, showing the amount due. I have received no copies of the original invoices, no proof that the company is legally entitled to collect the debt, no proof that the company is contractually able to collect the debt on behalf of the original creditor, nor proof that the debt belongs to me. The company continues to falsely claim that they have met their oblications under the FDCPA.
I am having issue with negative medical bills on my credit. 
I do n't even know what to do because I have tried everything. I can not get the credit agencies to tell me any information about the credit. I have XXXX insurances so all my medical is covered at almost 100 %. So I know they are either not my debt or the medical bills were not processed through the insurance companies. I have called over and over. Disputed the debt. I do n't know how to proceed. This has negatively damaged my credit. No one has been able to help me. Now I am getting calls all the time from a debt collection agency that I believe bought the debt. As a consumer what can I do? I did my part by providing the insurance information. They do n't want to process it. Why should I have to pay full medical bills when I have insurance but the offices failed to file the paperwork? Please Help!
OK. I have had my  CITI AAdvantage card for 2 years. W hen the annual fee was charged, I called  XXXX   XXXX  and asked if I can have any retention bonuses. I was told if I spent {$95.00} or more, I will have credit of {$95.00}. So I spent over {$95.00} immediately after call and finished my spending for a couple days. I called twice, but they told me I will get it and it usually takes time. I belived. When I call ed two day s ago again, now they told me I did not meet minimum spending requirement.. Because I need to wait for a couple of days in order for them to put in to the system ... But I did not hear about it during my first call. Also then why did they tell me during my previo us two calls? They told me they will check recordings, so I said please go ahead to check them . I com plained that I do not want to spend my time and effort and was told by CITI staff that we also did not want to spend it to you. What makes mt pissed off is that this is the second time.. Last year CITI told me that they will provide a bonus point if I keep the card. So I did, but later    they told me no one said that and no record. I insisted to check recordings and finally they agreed to give me points. I hope the service gets better. It is not just money, but trust between customers and banks. Hope they find it and sorry about it.
On XX/XX/2018 It was noticed that there was incorrect and unauthorized information on my credit report.
I initially contacted Portfolio Recovery Assoc, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX VA on XX/XX/XXXX regarding the company reporting a collection account from XXXX XXXX  Account Number : XXXX Amount:XXXX  that doesn't belong to me. I provided the agent with my SSN and was told there wasn't any accounts under that SSN. He then asked me for DOB and phone number. Which I provided and still nothing. I then provided him with the account number from my credit report. He was able to pull up the account. He stated that the debt was from XXXX and it has my phone number and dob. However when I provided my DOB and Phone number at the beginning of the call he couldn't pull it up. Well I just received my phone number on XX/XX/XXXX so theres no way that the phone number was provided in XXXX by me. Also he stated it was my DOB but the SSN didn't match. Theres no way the debt is my debt. The address doesn't match any address I have lived at. He then admitted they ( Portfolio Recovery Assoc ) are in the practice of updating the information on accounts ( such as the DOB and Phone Number ) from what it was originally which seems like unethical practices ( the DOB and Phone Number ). I requested to speak with disputes and was given a false number and told someone would contact me which never happen I called XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. What no avail. I also disputed the information with XXXX. But after they have unethically updated the information to match my information XXXX  did not remove the record.
I was notified that Midland Funding LLC sued my XXXX XXXX, Case No. XXXX. I called them and they said it was because of a XXXX XXXX that I optained in XXXX. The stated there was a balance due of {$2300.00}. I do not remember ever having a credit card with XXXX. They said it was sent to Midland Funding in XXXX. I have never gotten a call about this. I never knew about this. Now I have a law suit and nobody can tell me anything about the charges or where they were spent, etc. I have a credit report from XXXX/XXXX/XXXX. I looked through it to see if a card with that name or number was on it. There is no XXXX credit card in that report. There was no delinquent amount due on that report. There were XXXX credit cards in that report that were assigned to my ex-husband upon our divorce. They are XXXX cards with different account numbers then the XXXX Midland gave me. I do n't know what to do. The person I spoke with at Midland told me to contact you, so here I am. The credit card number she gave me was XXXX XXXX XXXX XXXX. Please help me find a way to resolve this.
XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX MA XXXX has placed a collection in the amount of {$210.00} on my credit report with XXXX. The original creditor is XXXX XXXX. This is a result of Identity Theft. I filed a complaint and police report with the XXXX XXXX XXXX County Police Department regarding identity theft. I filed Identity Theft Report # XXXX and Report # XXXX with Investigator XXXX in XXXX and XXXX. I have not received mail or correspondence from XXXX XXXX XXXX or XXXX XXXX regarding debt in the amount of {$210.00}. However I am regularly contacted by odd telephone numbers throughout the day from a company that refuses to identify themselves unless I provide my date of birth and other personal identifying information. I am a victim of identity theft and will not provide that type of information by phone. I have attempted to resolve this issue with XXXX XXXX XXXX   however they are claiming that they can't identify this collection. There is no account number listed with this collection on my credit report and I have not received mail or correspondence from XXXX XXXX XXXX   Please remove this collection item because its a result of identity theft and fraud. According to the alerts on my credit report this company has added a new address to my credit report. Please remove the address that you included on my reports because it is also a result of fraud. I filed a complaint and police report with the XXXX XXXX XXXX County Police Department regarding identity theft.
This company ( XXXX XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN with XXXX, XXXX, and XXXX  credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
I bi-weekly send my bank deposits from my wife 's account, and it takes forever ( five to nine days ), for my account to be credited. Well, you can guess what happens in the mean time. While they do pay checks I 've written, I get charged {$35.00} for each check processed and this can devistate my account. I 've checked my wife 's account the next day and find the funds have been deducted. If this is done on a Friday, they will take until the following Thursday to credit my account. This goes on even though I get bi-weekly deposits from XXXX, and monthly deposits from XXXX. This last credit took nine days for them to process, and credit me. By the way the bank is HSBC, having bought XXXX XXXX Bank that I was originally with, since XXXX! If I did n't live in a state where they have no branches, I could walk into a branch, have the manager o.k. the check and get immediate credit for deposit. The checks I send them have never been returned! Never! How do they get away with this?
I was a victim of identity theft due to the OPM breach while I was employed by the FBI. An account with XXXX was opened fraudulently and they sold this account to XXXX XXXX who placed this in collections on my credit report. I have sent my FTC identity theft affidavit, letter from OPM verifying what information was compromised, proof of my identity bearing my signature and a copy of the 605B statute to XXXX, XXXX and all three credit bureaus. I requested that XXXX provide me with proof that I have a contract bearing my signature that I owe them this debt on two occasions in writing. They have failed to provide me with anything bearing my signature. They sent me a statement/bill bearing an address that I have never lived. When they sold this debt to XXXX, I sent the identity theft documentation to all three credit bureaus and to XXXX directly. In a timely manner, XXXX immediately deleted the account from my reports as a collection. However, XXXX refuses to delete this charge off from my credit reports and is claiming this debt is valid despite having no proof of contract with my signature and despite the fact that they sold this debt to XXXX and no longer own this debt. They have claimed that my identity theft is invalid despite the documentation I have provided to them and that payments were made on this account but have provided no proof of any payment bearing my signature.
I bought a pair of earrings which were never delivered, I called and filed a dispute, they said it would be resolved, never resolved, they billed me for it and charged my bank account for it, still 2 months later no resolution and no response.
XXXX XXXX est. Thursday, XXXX XXXX, 2017 I contact Fox Collection Center via phone and email in reference to an allege debit owed to XXXX XXXX and XXXX XXXX in the amount of {$72.00}. I spoke with XXXX. XXXX XXXX I inform her that I had email Fox Collection Center and XXXX XXXX  and XXXX XXXX a Pay for Delete contract agreeing to pay the alleged debit in full. During the conversation I informed XXXX. XXXX XXXX that I had spoke with the billing department of XXXX XXXX and XXXX XXXX just prior to speaking with her, I inform her that XXXX XXXX and XXXX XXXX had a copy of the pay for delete contract and that XXXX XXXX  and XXXX XXXX was fine with the contract but said I would have to go thru Fox Collection Center to pay the alleged debit because that they are using Fox Collection center to collect the alleged debit. XXXX. XXXX XXXX replied that Fox Collection Center would not review the Pay for Delete contract Nor accept my payment in full.
They continue to report address that belongs to my twin brother not me. 
They have added a employer that is not my employer.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MD  XXXX   XXXX   XXXX ,   XXXX   Credit Bureaus (  XXXX / XXXX /  XXXX   ) To whom it may concern : I sent a certify letter back in  XXXX  of   XXXX   requesting documentation for the following late payments listed below that are reflecting incorrect data. This is my third attempt to rectify this issue. Please re - investigate and make the necessary adjustments to my credit file.  <P/>  Navy Federal (  Signature Loan )  XXXX  Verification of 13 late payment on :  XXXX   XX/XX/XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX ,  XXXX ,  XXXX , XX/XX/XXXX ,  XXXX ,  XXXX   Navy Federal   (  Auto Loan  )   XXXX  Verification of  19  late payment on :  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX   XX/XX/XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   Navy Federal  (  XXXX  )  XXXX  Verification for  7  late payment on :  XXXX ,  XXXX ,  XX/XX/XXXX   XXXX ,  XXXX  XX/XX/XXXX  Navy Federal   (   XXXX   )   XXXX  Verification for 7 late payment on : XX/XX/XXXX ,  XXXX ,  XXXX ,  XXXX  XX/XX/XXXX  Thank you  XXXX   XXXX