WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I opened a dispute with Case over XXXX in charges by XXXX. My case was opened on XX/XX/XXXX and I submitted all required supporting information on XX/XX/2018 via secure message on the chase website. I received confirmation via secure message on XX/XX/XXXX that the information was received ( all attached ). I received a letter on XX/XX/XXXX stating that my case was closed as no information has receive from me. I immediately called and opened a new case, that Chase now calls a re-dispute. I was told it would take 30 days to resolve. I received a letter on XX/XX/XXXX that my information ( original sent on XX/XX/XXXX ) was received. When calling today, XX/XX/XXXX, I was told that all case information was not received until XX/XX/XXXX and that I would need to wait at least another month for resolution. I was never give a credit for the amount in dispute and I have been working with Chase for over two months to get this resolved. Today I spoke with an account supervisor named XXXX and a dispute supervisor named XXXX.
I sent a debt validation letter to the XXXX XXXX. What they sent was not sufficient validation that I owe them anything.
I attended XXXX XXXX located XXXX XXXX, NJ. I took out a Federal Loan and a private loan. Money was demanded while I was attending school. The financial aid rep told me during the application process if I needed to make payment changes it 's simple and can be done. That was not the case. Neither XXXX XXXX nor Genesis Lending would help me. So I defaulted on my loan because I was n't able to pay the monthly amount, but I would send what I could. Not only that I did not get assistance in finding employment in the field I trained in. I received many annoying calls from XXXX XXXX fishing for information as far as what job am I working at and I can always go back to the school for assistance. I would tell the rep that I 'm not working in the field because you need 3yrs+ experience and I went back to my XXXX background temping until a permanent position came along. The rep stopped calling me as frequent because she was happy I had a job, but it was not in the field I trained. Every once in awhile I would receive a call because she wanted information.
my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the others names and address that appear on my credit report is not correct.
Caine & Weiner Inc. continue to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.
Equifax is refusing to remove or adaquatly investigate information that was previously deleted from credit report and that was agreed by collection agency to be removed. They are both XXXX XXXX XXXX. Both are satisfied and were removed from credit report and now are reappearing and should be removed. They are not reporting accurate information.
Gordon , Aylworth & Tami , P.C . 
bought old debt. Garnished bank account without notice. Took {$410.00} on XXXX17
I was steered into forbearance instead of being given clear alternative repayment options. After two years of forbearance, I now have an income driven plan but with much more accumulated debt.
I had Forster Garbus, LLP contact me at my place of employment, which my employer does not allow, from phone number XXXX. They told me they are attempting to collect a debt from XXXX, a company I have never heard of. This debt they claim I have never been contacted about in the past, it does not show up on my credit report, and I have never heard of it. It is fraudulent and so was the harassing phone call.
Phoenix Financial Services, LLC is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    )  this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit  reports.Phoenix Financial Services, LLC a re in : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and HIPPA Law!
I have sent several letters to Experian regarding several items on my credit report that are not mine and quite possibly a result of identity theft. Each time Experian states they have investigated the issue but have never provided any information related to how the information has been verified. 

Moreover, per the attachment to this complaint Experian has stated that since I have " previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute ''. I believe this is a direct violation of the regulations related to the reinvestigation of a dispute, specifically, [ 15 U.S.C. 1681i ], Section 611 ( a ) ( 1 ) ( A ) - In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

By letter dated XX/XX/2018 ( Attached ) and a three subsequent letters dated XX/XX/2018 ( also attached, USPS tracking, XXXX, XXXX, XXXX ) I have asked for information pertaining to the verification of these items.I have yet to receive any thing other than a generic reply letter explaining the debt has been verified. I am once again asking that Experian reinvestigate the dispute and provide the specific information pertaining to the verification and how they verified the information. 

Finally, I was able to have the information updated on the other two major credit bureaus very recently and I am unsure why Experian continues to send " form '' letters back to me without a reasonable explanation or specific information related to the " investigation '' of my dispute.
Discover Bank sent me an offer stating that if I opened up a savings account with them, depositing at least {$10000.00} by XXXX XXXX 2015, they would issue me a {$100.00} promotional credit within 4 weeks of opening the account. I opened the account, placed the promo code in the field, saw where it said I would receive {$100.00} and proceeded to deposit {$15000.00} into a savings account transferred directly from an external credit union. After 4 weeks, they only issued me a {$50.00} credit. I complained to Discover Bank but was told they needed 6-8 weeks to " investigate '' the issue. This seems like a well thought out scam - the bank gets my money and can loan it out or invest it at a higher rate than I am receiving, and they delay on giving me the full promotion to which I am entitled thereby making even more profit off of the offer they seem unwilling to honor.
" I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX XXXX XXXX XXXX, and they appear to have sold it to AR Resources Inc, account numbers XXXX and XXXX therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me ''
Have reached out to my servicer on numerous occasions to have our property taxes paid. Our house sits in a dual county area and requires taxes to be paid to 2 different assessors. We have our taxes set up to be escrowed and the correct amount is being taken to pay the entire amount. Our taxes are now 4 months past due and have added an additional $ 400+ in late fees as well. We have called multiple times since XX/XX/XXXX and this issue has yet to be rectified.
I have tried to get old addresses removed and addresses that are complete errors on my report. The credit reporting agencies seem not to care in any way. I just want my credit report to be factual and correct. Two addresses I use are XXXX XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX XXXXXXXX, CA XXXX ... .. 

XXXX XXXX XXXX XXXX  XXXX, CA XXXX
There is a Fraudulent XXXX/ XXXX account currently reporting on all three on my credit reports. This account was opened fraudulent where not opened by me. I have attempted to dispute these account off my credit report but they can not be disputed off. Ive also attached my FTC report to this dispute. 

The Account number on my credit report is : XXXX
I assume my score dropped because of XXXX ( XXXX ) supposed recently opened accounts. The XXXX account was transferred to another company. It was simply a transfer, NOT a new account. In fact, that info is noted at the end of the account listing! 
Secondly, the XXXX account, listed as opened XX/XX/XXXX, was not initiated by me. I made an appointment for an estimate on a counter top purchase/installation which I declined due to cost. I have never used this account, did not request an account, and am asking XXXX to remove it and stipulate that it is " my request. ''
I use the Amex bluebird card for my direct deposit. It was not there this morning as usual. I confirmed with my payroll company that the email from them showing it was sent was correct. They had sent my check. I tried numerous times to call bluebird. Chose option for representative but once transferred it would give a busy signal and hang up. Finally got through this afternoon. This is what was said.

I just called for the 10th time today. First time to get through Held for 20 minutes. First was told they had not received my deposit. When I called him out on that I had confirmation that they did he put me on hold for less than a minute to say they had an issue and it was of the highest priority. When I told him it couldnt be cause people had been waiting for days on theirs, he said I should have it in the next 4-5 hours. I said I know this is not your fault but I need a real time estimate. Are u just saying 4-5 hours to get me off the line? Do you have a real ETA? He again said 4-5 hours. I asked him was he planning to pay my bills tonight and feed me and my kids if it wasnt there then. No answer to that
The issue here involves a dispute that was filed on my Citi Preferred card. This was in regards to a merchant I was dealing with XXXX. I charged a bedroom set of furniture from XXXX and also a delivery and set up charge all on the credit card. XXXXl delivered an item broken and I refused the item and requested it be delivered at another time. XXXX failed numerous times to deliver the item per the agreements that we had. After a couple of attempts, much customer dissatisfaction, and no help from the merchant I chose to pick the last item up myself. The agreement of ALL items delivered and set up was never satisfied. I disputed the charge with my credit card issues for " Services Not Provided. '' This situation clearly met the intent of XXXX 's charge-back guidelines for services not provided. After more than 120 days of the disputes, Citi has inexplicably decided to rebill the delivery charge to my card and refuses to work further with me, stating that all future dispute is to be directly with the merchant. I believe that Citi has not acted appropriately with the dispute and is not meeting the intent of the XXXX charge-back guidelines and not meeting the intent of Regulation Z. As a result this merchant is receiving compensation for a service they did not provide.
Bank of America Wire Transfer Dept ( XXXX ) XXXX XXXX the representative would not fully identify herself I was wired {$270.00} in US dollars to be received from XXXX {$400.00} XXXX and the bank stole money depositing only {$260.00} then taking another {$15.00} and refusing to return the money. They was informed that the {$270.00} was supposed to be in my account as that is what was sent to me and showed they do not care, they was taking my money unauthorized without notice, warning and consent. The bank representative XXXX said this is what they was going to do. Refused to give me her full name and when I said I wanted to make a formal complaint she refused.
For the second time in less then a year, Bank of America has cashed my personal check payment for my RV loan for {$420.00}, but only credited my account with {$360.00}. My monthly payment is {$360.00}, but I always pay extra, clearly marking it on their payment voucher. This time I paid {$60.00} extra on my loan. I have the cashed check photo copies from my credit union. I also feel this is due to huge internal problems at this bank and is systemic. There could be XXXX other people having the same thing done to them who are not catching this. Additionally, it is not possible to email Bank of America ; only private messaging through their website where there is no written trail of correspondence. When trying to phone them, you wait on hold for up to XXXX minutes and are hung up on.
With an obvious regulatory Inclination, It is the presumption of this board that all facets of lawful writ regulations and the understood or should be understood standards of practice are to be acted upon in full undoubted accordance as dictated. This criterion in specification should be thought to incorporate the decrees within the metro 2 format compliance of reporting process as well. Further, this board takes note that Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. An inadequacy of any regulation and or requisite standard gives credence to a injured consumer 's right to compel. The opinions set forth in this informal staff letter are not binding on the Commission. Please delete ALL XXXX XXXX XXXX accounts that appear on my credit report immediately.
Information that should have been added to my credit profile as i have requested was not and it should be added in order to show positive history and payments just as creditors have the right to report it.
I was just reading an article about how Navient has been accused of steering borrowers towards forbearance instead of income based repayment plans, and this is exactly what happened to me. It was only in hindsight after having a co-worker inform me about the income based repayment plans that I realized I had been misinformed that forbearance or deferment were my only options. I also see from this news article that Navient is denying those claims ; however, you can add me to the list of individuals that were taken advantage of in this fashion. I guess when the rules say that the interest is capitalized back onto the loan if you ca n't pay in full, it incentivizes the lender to maximize it 's profits? 
I graduated in XXXX XXXX and was told that my student loan payment would be around {$570.00} per month, and did not begin paying until XXXX XXXX after 2 years of forbearance and deferment. I kept trying to figure out how I was going to stretch out the maximum numbers of years that I was allowed to defer, as that was the only information I was given by this company.
After filing my first complaint due to numerous telephone calls and not getting a response, This complaint is being filed as an additional amount of extensive telephone calls have been made to get information on a  Quiet Title Action th at is currently pending. We need an assignment or a corrective lien release -- We need to know the status of the  Quiet Title Action.
I 'm not quite sure how to complain about pay pal for running a hard credit inquiry on my credit report. On XX/XX/XXXX, while the latest XXXX I PHONE 6 S PLUS was unveiled. My cell phone carrier is XXXX XXXX. XXXX XXXX has implemented a new phone purchase plan. A customer since XX/XX/XXXX XXXX XXXX has changed their phone upgrade purchases. Previously, phones such as the XXXX phone that was released on XX/XX/XXXX reduced the price for new phone to roughly {$200.00} However, since XX/XX/XXXX XXXX XXXX has implemented a monthly payment plan that had a customer pay a monthly installment ( 0 % ) to pay for the new phone.On XX/XX/XXXX I ordered the new XXXX Phone ( through XXXX XXXX ) and implemented the monthly payment plan of XXXX XXXX. The order was complete, however when attempting a XXXX XXXX FICO score I noticed my score went ( from XXXX ) from XXXX to XXXX. This occurred due to the fact that my XXXX XXXX order of XX/XX/XXXX a XXXX hard line credit inquiry was also preformed without my knowledge and/or consent. I have attempted to call Pay Pal about this and was not successful in having this company removing this from my credit inquiry. I have noticed through this federal agency federal legal action has been taken against XXXX, however did n't see a process to joining any class action settlements.
I sent in a certified letter to Equifax on  XXXX   XXXX ,  2017 . It contained an ID Theft Affidavit, a police report, my ID, and all pertinent information. An investigation was done and   XXXX   and   XXXX   removed the fraudulent account. However, Equifax refuses to remove the account. They are destroying my credit life in clear violation of FCRA laws. They are to remove the information and block it. They have passed 30 days and they refuse to remove the fraudulent accounts in clear violation of FCRA laws
Toyota financial service reporting a balance and a payment on my credit report. I filed a dispute XX/XX/XXXX and they sent a letter stating dispute is resolved. My credit report today XX/XX/XXXX still shows balance due of {$4700.00}. And a payment owed of {$510.00}. The error occurred when I first leased my vehicle - Toyota opened two lease accounts in error. This needs to be corrected as it is still on my credit report. There is a note stating DISPUTE RESOVED. My credit report should not show I owe anything. This lease is paid in full.
Since XX/XX/XXXX, I owed the U.S. Department of Education {$14000.00} on a student loan. I have been making payments, including deferred payments. ByXX/XX/XXXX, {$9000.00} had been paid off. 
SinceXX/XX/XXXX, a debt collection agency for the Department, Conserve, has been taking payments offset by income taxes every year, includingXX/XX/XXXX. 
By now, this debt should have been paid off. However, I still owe {$2200.00}!
I have disputed the incorrect information two times using the processrequired by Experian. They have not corrected the information and I havesupplied sufficient documentation for them to do so. Please have themupdate or remove this public record from my credit report, as it ishindering my financial growth.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX & Experian I received a notice alert on my credit file telling me that I had an account opened under my name. I have two months worth of credit history and I have no clue where the account of XXXX XXXX appeared on my credit file and I am puzzled as to why this is appearing on my credit file. I have sent several certified letters to your company and I havent received any response yet. I have sent in letters to your company on XX/XX/2018. Its been more than 90 days and theirs still no response I dont know what the problem is. I have distressed and this is causing a major problem for me and my life. Being that this account isnt mine and its on my credit its affecting me tremendously and I believe that this fraud. I am disputing the accounts internally and I expect to see this account removed or else I will take legal actions towards your company if you dont remove this fraudulent account off of my credit file. I have contacted the creditor but I havent gotten a response at all so I want to know as to why this account hasnt been removed. I am only allowing 3-5 days.
XX/XX/2015 I started a online dispute with Equifax , since then creditors have not been able to pull my credit file due to a Security freeze. I have spoke with the security freeze department at Equifax several times and they have assured me there is no freeze on my file. At the end of these calls they suggest purchasing their credit monitoring to help resolve problems like these. Most recently both XXXX and XXXX XXXX were unable to access my credit file due to this freeze. I feel as though Equifax is not going to resolve this unless I sign up for their monitoring service.
I attended XXXX XXXX University in XXXX, Ohio for my XXXX. During that time I was unable to receive grant money for XXXX costs, so I received a private student loan from Discover Student Loans ( Graduate Loan, for XXXX ) to help with those costs. I am now a XXXX but am attending a non-accredited University that is outside of the United States. 

Since the University is non-accredited I am not eligible for an in-school deferment. My income is a scholarship provided to me from a Federally funded organization here in the country for living expenses only and amounts to only ( after exchange rate ) XXXX USD. My minimum monthly payment for my loan is XXXX dollars, which barely covers the amount of interest I accrue each month, and pays almost nothing on the principal amount of the loan. 

I have discussed my options for repayment with Discover but have received little to no help, as the only option they give me is a reduced payment due to financial hardship, for a total of one year ( I have used six months already ). The reduced payment is XXXX USD ( so not much less ) and does not cover the amount of interest accrued every month on the loan. My income will not change for the next four years ( the length of my XXXX program here ), and I can not work another job while here ( as stated by my student XXXX ) and grant money received for research typically can not be used to pay personal expenses, only those that arise from research. 

My family is impoverished, and lives with a monthly income well below the poverty line of our county in Ohio, so I can not seek help from them. I also have already sold my only equity ( my car ) in order to try and pay off personal debts, and lower credit card payments. So I have no other sorts of income that can pay a large sum of this money.
I pulled a copy of my credit report and there are address on there that I dont know where they came from. Ive never lived at these addresses : XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX-XXXX XXXX XXXX XXXX XXXX GA, XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX. 

My correct address is : XXXX XXXX XXXX XXXX WA, XXXX.