WillisBack/dataset-financial-user-claim huggingface dataset:
Had credit report ran to obtain mortgage loan   XXXX   2017, was told I need to get dispute remarks removed. Immediately called all   XXXX   bureaus  XXXX ,  XXXX , and Equifax. Was told by each company that they would be removed. Waited 30 days and still showing on credit report. Called all  XXXX  bureaus a second time in   XXXX   2017 and waited another 30 days still dispute remarks are there. Called a 3rd time   XXXX    2017 and dispute remarks are still there. Even called creditors and no luck after being told they were removed.
I had an account with XXXX from XX/XX/XXXX to XX/XX/XXXX. I sold my house and called them to inform them I was cancelling service. They informed me I was no longer under a service contract and it would not be a problem. I thought the matter was over but I recently checked my credit report and discovered they were reporting a balance in the amount of {$900.00}. I called FIRST NATIONAL COLLECT and they informed me they did not have any details with the account. I then called XXXX and they said it was due to early termination. ( I had this account for more than XXXX years ) Then, they said they never received equipment that needed to be returned. I talked to a supervisor that said he would adjust the balance to {$220.00}. I called today and the balance is {$900.00}. I spoke to several reps with XXXX and nobody can give me any answers. I need help in this matter because I paid the account as agreed.
I received a letter from AMCOL stating that I owed {$490.00} for a hospital visit on XX/XX/XXXX. I was not in the hospital on XX/XX/XXXX and I had not received any prior letters from the hospital stating that I owed money. I also did not receive any letters from my insurance company stating they would not provide coverage. I wrote a letter to them explaining this and asked for verification of debt. In return I received another letter and a bill which was dated for XX/XX/XXXX. There was no mention of the incorrect date on the original letter. The bill also shows that the total amount was covered by insurance and that I did not owe any money. I called AMCOL to have the account closed and they refused so I asked for verification of debt again. I faxed them the bill showing them that it does not show I owe any money and still continued to call me to collect debt.I asked again for proof of debt and received nothing. I also wrote them another letter and copied the bill I was given asking them again to close the account or provide proof of debt. I still have not received anything and the account is still open and effecting my credit score.
I previously submitted a complaint against Gurstel Chargo/Gurstel Law Firm in XX/XX/XXXX for continually harassing me about a debt that they say I owe. The collect attempts began in XXXX XXXX when they sent me a pocket summons stating that they were going to sue me for a bill through XXXX XXXX XXXX in which the last date of payment was XXXX XXXX, XXXX. I also received a demand for payment the same month. I responded by certified mail XXXX XXXX requesting validation of the debt, my ownership of the debt, and their ownership or ability to collect on the debt and did not receive a response from the firm until XXXX XXXX, which was a copy of a statement from the credit card company XXXX XXXX XXXX. In XXXX XXXX I received a second pocket summons stating that they were suing me. I responded to the summons and once again requested validation of the debt. In early XXXX XXXX they sent me copies of paperwork requesting information from me and XXXX. At this point I submitted a complaint against the law firm and XXXX XXXX XXXX with Consumer Finance. I explained that the debt they are attempting to collect on has not been verified or validated, and is also beyond the statute of limitations. The firm responded to the complaint. I then responded and sent a letter through certified mail asking for them to cease and desist and to stop harassing me. I never heard a response from them stating that they would stop contacting me since they do not have the legal right to do so. I received documentation yesterday, XXXX XXXX, XXXX that they have filed against me with the court.
I have consistently tried to lower my private student loan payments, I have fallen behind a few times on my payments because of my job as a XXXX  is a seasonal job for the state of California. When I have fallen behind even for less than a month I would recieve between 5-10 calls every day from Navient to contact them to make my payment. It has gotten so bad that I have had to block multiple numbers on my phone. When I have gotten back on track to have a lower payment the lowest payment they can give me is still a figure that I can not live on and pay all my debts plus be able to live on and support my family. I have paid over XXXX dollars in payments and I am no where closer to paying off my loans than the day I started. I realize that taking deferments and forrbarances would increase my principal balance but that is all I could do to not have my payments be late or end up in collections. There are no programs to help people with private student loans with navient. They have terribly customer service and make no attempt help the customer, instead they want over invasive financial states of my wife and family to justify giving me a XXXX  lower payment a month. My private student loan is over {$630.00} a month when I only bring home XXXX a month and trying to support a wife and son along with all of our others monthly payments. My wife and my son have had to move in with family because we no longer can afford to rent. Navient has done nothing to help its customers lead a normal life instead its all about the money no matter the cost to the customer.
Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection XXXX submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency
I opened a credit card account with Rooms To Go was approved {$2000.00} for my purchase by  Synchrony financial, I did make purchase of all and paid bill on time without default or misuse of the credit card. There has been inactivity of the card for a while and as result the financial company took stand without informing me and close the account and same time run my credit to make it look like i did reapplication for credit card. My concerns are the following : 1. How can you close my account without permission or involving me 2. The account has not outstanding balance 3. There was not suspicious activity on the account 4. I call them and inquired and was told by supervisor that they have right to closed unused account. I replied on phone conversation that, its my account and you have no right to shut it down when there is an absence of non-payment, outstanding balance and anything.
5. closing a credit account has impacted negatively on my credit score judiciously 6. Do they have right to close my account in absence of above mentioned concerns 7. I want my account be opened as soon as possible
I am a US citizen and I am currently in XXXX, XXXX XXXX. On XXXX XXXX, 2016, I had my sister to send me {$3500.00} via XXXX XXXX, which she was denied. She was told due to the high scams in XXXX she was not allowed to send me the funds. On XXXX XXXX, 2016, my sister went to Western Union ( WU ) to send me {$1500.00}. 
The money was sent, however, the money was intercepted by someone. She was told someone picked up the money in XXXX, XXXX at XXXX. This is impossible because banks do not open in XXXX until XXXX and these types of transaction are only conducted at banks. Not like in the US customers can go to service stations, retail stores and grocery stores to send money via WU, money gram and other entities. 
My sister filed a complaint, investigation reference number XXXX. WU informed her they will send the information to their agent in XXXX, XXXX XXXX to investigate and it will take 10-20 days to complete the investigation. WU asked her if she wanted the money refunded or resent. My sister informed WU she would speak with me first and get back with them. I instructed her to resend the money. Once she contacted WU and informed them to resend the money, she was told they could not resend the money until the investigation was over. 
My sister attempted to send money via WU to our nephew in XXXX, MO and WU blocked her from sending money within the US. My nephew in XXXX has sent me money on several occasions via WU without any problems. WU also prevented her from sending any more money to me here in XXXX. WU completed its investigation and informed my sister they were NOT refunding the money because " I '' picked up the money. This is an outrageous and outright LIE. 
I did not pick up any funds at XXXX in XXXX , XXXX as WU has alleged. As previously stated banks are not open at that time of morning in XXXX. The questions are who did WU give my money to ; who signed for my money, what identification was used to receive my money and most importantly what bank in XXXX, XXXX released the money? My sister has filed a police report concerning this matter and I have instructed her to contact her representatives of Texas and the FBI. 
WU have crossed the line, I do not appreciate being lied on, I am not a criminal or thief. I am a retired XXXX who has worked for the XXXX for 30 years. If scamming is going on it must be within WU. We have asked WU for all documents from their investigation in which my sister was informed she should receive them in 24 to 48 hours. 
WU has now told her she was misinformed, WU do not release their investigation documents, and she would have to file a subpoena to receive the documents. WU is giving her the run around concerning the address to send the subpoena for the documents. Your attention in this serious matter is greatly appreciated. Since I am currently out of the country I can be reached at my email address. 
Thank you
My family and I have been earning and accumulating miles through the Bank of America XXXX credit card fairly according to Bank of America XXXX credit card T & S and promotion. We've booked our award flight through XXXX XXXX earlier in the year ( XX/XX/2018 ) for travel in XX/XX/2018, using the accumulated miles. In XXXX, we've received an email from XXXX Revenue Protection automated system, stating " the reservation booked under confirmation code XXXX will not be allowed travel, ... the account used to book the flight has been suspend. ", and that we needed to call XXXX. Speaking with the XXXX XXXX   agent, they've requested government issued ID of the travelers, which was furnished. About two weeks later, we received email from their XXXX XXXX agent XXXX, demanding an amount of {$9100.00} for the miles we've used..and " payment will need to be made in full with a money order made out to XXXX XXXX. '' Multiple attempts trying to reach the XXXX agent failed. Every time we speak with an XXXX XXXX specialist, they would come up with different story why the miles can not be used, from " the accounts owe Bank of America money ... .the accounts has not paid annual fee ... Bank of America has frozen the miles and you can not use them ''. After contacting Bank of America multiple times, they have expressed concerns why XXXX XXXX is placing the account on hold when the points were earned and annual fee were paid. They were also shocked when we've told them that XXXX XXXX agent requested Money Order for the miles used.
I was reported 30 days late by my bank which I have a line of credit with. For some reason our check did not get processed properly because of a bank error or mistake. They got my check and then returned it back. We followed all bank guidelines for listing information for external payments coming from banks. As of a result my payment was never processed properly and a negative remark was placed on my credit report. I 've disputed and requested an investigation however I 'll I got was a letter from experian saying that my letter was sent by someone else and they we 're not going to help me .... I sent it in and attached my ids.. weird that they would send that to me. I need to get this handled because I have goals in the future for my credit. attached is the usps tracking number and the letter XXXX sent me along with the check image thanks XXXX
To Whom It May Concern, I received a notice of data breach from Equifax on XX/XX/17. This included accessing supporting documents that may have included my government issued id, home address etc. 

Due to the sensitive nature of the information revealed in the data breach, I have requested from all 3 reporting agencies including Equifax remove all of my private information from its and its affiliate servers and anywhere/all places that information is stored. This information, including my name, social security number and accounts are being stored without my consent and to please remove and destroy any and all information immediately. 

They have not complied. 

Sincerely, XXXX XXXX
I have been a Citibank gold customer for 40 yrs . They always
included my mortgage toward they required balance needed for gold XXXX
status. Recently they changed that policy and now I'm being charged for
for my checking accts and any little thing I need done. I don't think is 
fair.
The debt is listed as being incurred in XX/XX/XXXX against a business that closed in XX/XX/XXXX and was closed debt free with all business relationships finalized and satisfactorily closed out. I contacted the orginator ( XXXX XXXX XXXX ) without any success because I could not produce an Account Number of the closed business. This debt collector now wants payment or will continue to send me letters and call my home.
After checking my credit report from all three credit bureaus ; XXXX XXXX, XXXX and Experian, I noticed a negative remark on my credit report from XXXX XXXX. I then immediately contacted them by phone and was praying this was some random mistake and they would correct it. I soon find out that I both times, for 2 separate accounts, I have applied for these credit cards but was never notified of even being approved for any of these credit cards. I had them immediately shut down those cards, but was told one was already closed, and to start an investigation. Then I was told I can reapply for another XXXX credit card but we will close this one account and mail you a check for the difference. 2 agents told me the same story. After waiting a week, no check nor any phone calls or emails, nothing! Someone was using 2 different XXXX credit cards in my name and making payments for them, in my name, for over a year on one card and over 2 years on another card. XXXX 's Security and Fraud department promised they would start an investigation and they will not hold me liable for any unauthorized charges pending the investigation. I waited over a week and I received no mail or contacts from no one about these accounts. Since then I have called numerous times and transferred to many different agents. There has n't been no notes in the account for over 45 days now. Nothing has been done about these 2 accounts I originally applied for but never received. Just today I spoke with a XXXX, who would not provide me their employee ID or extension, and said they will escalate this matter immediately and that someone would call me back today. No one has called me back. I 'm wondering now who are the real fraudsters here? The people who have been using my cards I 've applied for or XXXX? Yet every time I call they try and verify that this is really me, why have n't did this when someone been using my 2 credit cards? And all the payments that were being made to these accounts, who get that for free? XXXX? I will be reporting them wherever I can. They record my phone calls but no records of what they have promised me? I will now be the one telling them, this call will be recorded, just to prove a point how crooked XXXX is.
XX/XX/XXXX XXXX XXXX/ NAVIENT XXXX action to collect debts for student loans for which I requested verification. I was told over the phone I had used all in-school deferment and they were going to report it to the credit bureau without verifying because they did n't have to verify at this point. I never claimed ownership of the loans, I asked for all communications to be written because the employees of XXXX XXXX/ NAVIENT would call 6-10 times a day from different numbers and yell and communicate threats to me. When I told them I was in professional school they got even more aggressive and called 6-10 times daily from XX/XX/XXXX-XX/XX/XXXX to " intentionally disrupt me until I make a payment. '' Then XX/XX/XXXX they did negatively impact my credit and I sent them a legal document detailing every illegal thing they did in a letter letter with the help of PACER.GOV along with a police report filled for harassment and again asked then to keep communication civil and written so that there can be clear language used to discuss the loans XX/XX/XXXX. They never responded nor did they ever attempt to verify, they never tried to contact me again. This month XX/XX/XXXX they handed my accounts over to XXXX XXXX XXXX , XXXX to which I requested them to verify claims made by XXXX XXXX and requested that they not contact via phone but that they mail a letter as well.
I contacted Citi by phone on XX/XX/XXXX and requested a replacement credit card for a new card ( ending in XXXX ) that was never received in the mail after being approved for it. I was told that a card would be expedited. I then called Citi back on XX/XX/XXXX and was told once again that a card would be expedited to me. The card never arrived after attempt # 2. I then filed a complaint with the CFPB. I was then lied to once again on the attempt # 3. On XX/XX/XXXX, XXXX XXXX from the Executive Response Unit stated in writing that a card was expedited to me on XX/XX/XXXX. It is now XX/XX/XXXX and the card still has not been received after 3 different attempts. How is this normal? 

My step is legal action as I was never able to take advantage of something that was advertised to me. Telling me I only have until XX/XX/XXXX to do a balance transfer is unjust ( and illegal ), especially since I haven't been able to utilize or take advantage of the offer. 
I have never had this issue with XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, or XXXX XXXX XXXX.
I graduated in XX/XX/XXXX of XX/XX/XXXXfrom XXXX University with approximately 120K in student debt, approximately 85K of that with Sallie Mae, the rest with XXXX XXXX federal lenders. 

My payments for Sallie Mae started 6 months after graduation and fortunately I was able to find employment in my educational field ; however, my monthly payments started at {$940.00} ( four loans with interest rates averaging 8 % ). Even with the job in my educational field, it was nearly impossible to make those payments every month so I found myself going into forbearance every couple of months so I wouldn't mess up mine or my co-signers credit. Every time I would go into forbearance, my payments after forbearance would be higher than before AND my interest rates would increase every time. It is now XX/XX/XXXX of XX/XX/XXXX ( been struggling to make payments sine XX/XX/XXXX ) and I have used up all of my forbearance and my interest rates now average 10 %, and payments being {$980.00}. 

Last month I got an email stating that I had been qualified for " interest only '' payments for 12 months and they had failed to notify me. Even though I hate the idea of making interest only payments, I feel like I had no choice to opt in because I can't afford {$980.00} per month. So ... I call Sallie Mae and have them run through the numbers for me regarding how much my interest only payments would be and I almost fainted .... {$740.00} for JUST INTEREST starting XX/XX/XXXX. I am getting to the point where I just want to give up. How is it ethically possible for a company to charge that much interest for people who literally cant afford it and who keep calling month after month to get interest/payments lowered. I understand I have a responsibility to pay back my student loans, but not at a 10 % interest rate, which just keeps climbing. 

Unfortunately, I do not have all of the dates of the numerous phone calls I've made to them and how many times I've tried to get my interest lowered so I can afford payments ; however, I'm getting to the point where I can't even live a happy life anymore. And the thought of THIS being my life for the next 20+ year just doesn't seem worth it to me. There is no point in living when you can't actually live happily. I can't afford to feed myself let alone buy a house or start a family, etc. Even when I called Sallie Mae to go through my finances and was crying on the phone the person from Sallie Mae laughed over the phone and said " you're not going to like what I have to say '' and that was that. He refused to consider the fact that I need to go to therapy because I have been extremely depressed regarding my finances. He refused to consider the other debts that I have that I would like to pay off but can't because of Sallie Mae. He refused to show any kind of empathy for me and my 10 % interest rates. To me, this is EXTREMELY UNETHICAL. 

**NOTE - When I filed my taxes, I found that between my federal and private student loans I paid ( no exaggeration ) just over $ 13K in JUST INTEREST in XX/XX/XXXX.
Equifax, XXXX and XXXX have been in direct violation of the following : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. ( Equifax, XXXX and XXXX   are unable to verify ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. '' FCRA SECTION 616 & SECTION 617 after disputing UNVERIFIED ACCOUNTS. 
They have failed to provide me with verifiable proof required, this is evidence that it does not exist and therefore is proof that Equifax, XXXX and XXXX can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

THIS INFORMATION WAS REVISED XX/XX/2018
I am attempting to use a third party app called " XXXX XXXX '' that loans you money from you next paycheck without fees! However my financial institute " Key Bank '' does n't convey my transactions to " active hours '' in a timely manner. I have attempted to contact key bank through phone and social media to no avail. If " key Bank '' would just release my transactions history to this one app, I would be ecstatic.