WillisBack/dataset-financial-user-claim huggingface dataset:
I se nt two notarized dispute letters to two differe nt credit bureau ( Experian and  XXXX  ) by certified mail. I received notification that both letters were received. Fast forward over 30 days no response from either credit bureau and they did not note that the accounts were being disputed within the 30 days when I would pull the reports several times during that 30 day period. My disputes were ignored.      XXXX  never responded but they decreased my  credit score   XXXX  points instead. However there were no new inquires or credit, my credit utilization did decreased, no new late payments or new collection items and no new accounts closed. I never received a response from either credit bureau. They did not delete anything either.     Please see the below certifiied letter USPS tracking numbers.     Experian tracking number #  XXXX   XXXX  tracking number #  XXXX
I attempted to settle this debt with this company back in the begin of XXXX, I spoke with an employee by the name of XXXX XXXX, who I asked if i could be sent a settlement letter to settle the balance owed on a previous XXXX bill I had, I asked if I could have it sent via email or fax, the employee advised me that they could not do that. I said ok and we disconnected the call. I attempted again around the XXXX of XXXX and I spoke with an employee by the name of XXXX XXXX @ XXXX XXXX, who was very nice and I asked her I needed a settlement letter or something stating the validity of this debt, I asked her if she could fax or send me this letter, she stated no we can not do that, she stated she could mail me the letter, she verified my address, I asked her if she knew how long it would take, and she stated about 3 business days, since we XXXX are out of Arizona. Today is XXXX/XXXX/2015 and I have not been mailed anything to prove this debt. Prior to XXXX/XXXX/15, on XXXX/XXXX/15, I attempted calling to see why I never received this letter and I spoke to a receptionist who stated that the department were my case was handled had closed early and to try calling back on monday XXXX/XXXX/15, I asked if she could help me, she stated she could not see anything they could. I made multiple attempts today XXXX/XXXX/15 to call and speak with somebody and everytime I called the company, they asked me for my account number and I entered it, then I entered the ext of XXXX XXXX, nothing but a voicemail stating to leave my info to have someone call me back. I did not leave my information.
I have had an issue with City National Bank the past 2 months with not applying my payments in a timely fashion, and charging me late fees on 2 loans that I have with them. I have had these loans with them for 8-10 years, and have been consistent on payments for all this time, and suddenly they are being very difficult on the payments and not applying in a timely fashion. I have sent these payments on the XX/XX/XXXX-XX/XX/XXXX of the months consistently the same way since the inception of these loans, and suddenly it is not proper and fees are being charged. I can not continue to be charged these fees, and want to know why this is happening. I have contacted the relationship officer on these loans, XXXX XXXX, and he just says that it is the postal service and my fault, yet I sent a payment this month on the XX/XX/XXXXwith a holiday in between, and they posted it on the XX/XX/XXXX, which makes no sense since they take a week or more on the other payments posted late. I explained that I am paying in a reasonable fashion, but they keep blaming me and the postal service, but yet they are inconsistent on applying the payments. It does not seem fair to assess late fees on a long time customer that is paying the payments in a reasonable period.
XXXX XXXX  stated that this account would be corrected and or removed from my credit report. It has been 60 days and the incorrect information is still on my credit report. It has been over 7 years.
Debt Collector reporting false information on Credit Report. First Date of Delinquency as XXXX, First dated of delinquency was XXXX, will not put account into closed status causing monthly continual reporting on credit report, also reporting as XXXX XXXX XXXX, false representation. On XXXX report reporting terms which is against regulation for collection agency. Attempts by myself to obtain verification of all information have gone unresponded to. Dispustes thru Credit Reporting Agencies have verified false infomation. contacted XXXX original creditor they will not tell me anything saying pra owns debt now, and that they can not verify debt. i dont know how credit agencies are verifying this then, my only thought is pra is verifying for XXXX. Transunion deleted both lines off my report stating information was not valid.
XXXX ( Account # XXXX ) reported a debt that i had no idea they were reporting. They never contacted me for the said debt. After i disconnected my DSL and Phone services, i had a bill of XXXX. I asked then agent if i could pay off my bill on the phone while she disconnecting my services. The agent told me that i would have to wait for another bill, which is prorated since i had disconnected my services in the middle of the month. The agent gave me this Order number : XXXX after the account was closed. I waited from XXXX till XX/XX/XXXX, i had to call them up again, then they decided to send me the bill. As soon as the bill came in, i sent it back same day with a check of XXXX. This is a case of incompetence or hiring people with no training on how to carefully handle the public 's credit. Their stuff are misleading the public who unknowingly hurt their credit scores. Had the agent let me pay the XXXX dollars, i would n't mind even if they kept the balance. I called XXXX today after i was shocked with my credit scores, they 've advised me to dispute the credit score with the credit report agencies. They told me as far as they are concerned i 'm in good standing with them and they have no way to erase he error. Why they would destroy my credit for them to dismiss me this way is what i ca n't comprehend.
Around XX/XX/XXXX my son 's debit card from Chase bank was fraudulent use in an ATM machine in the state of Florida. I have a joint account withy son. I personally do n't have ATM or debit card They withdraw {$1500.00} from my son 's account and {$1500.00} from my account in a three different transaction from three ATM in the city of XXXX in Florida and try to withdraw more money in the city of XXXX, but the machine did not allowed. 
After contacting the bank and my son filling an affidavit. the money was restore to our account. 
Around XX/XX/XXXX Chase reverse the transaction and again and the money was withdraw form our account. 
My son went personally to the bank with a letter from his work that stated he never went to Florida and he was in CA all that time. 
Around XX/XX/XXXX the money was deposit in our account .Today XX/XX/XXXX they reverse the transaction and the money was withdraw again. 
We are tired with this Bank procedure, this matter is not resolve THIS WAS A FRAUDULENT TRANSACTION AND THE BANK DOES NOT WANT TO BE RESPONSIBLE I WANT PROOF THAT MY SON OR I DID THIS TRANSACTION.
Approximately 5 years ago I contacted Sallie Mae in reference to PSLF - public service loan forgiveness. I have worked full time as a government attorney since XX/XX/2009. I was told that there was no way to make my loan eligible for PSLF. This was not correct information. They put me instead into a 20 year loan. I spoke with Navient yesterday and they told me that I was given incorrect information, that a simple consolidation would have made my loan eligible. So basically Sallie Mae / Navient was deceptive in that I could have been half way completed with my student loans, and instead they expect me to start fresh the 10 year standard payments that I've already been paying for nearly 10 years. This was completely deceptive behavior. I've been paying nearly mostly interest payments for 10 years already, all of that time while being a public servant. Instead of assisting me in my request for PSLF, they deceptively told me I would not be eligible.
I opened a HELOC with Regions Bank XXXX years ago. I borrowed essentially the entire credit line, and I 've been making timely payments since then. Recently, I noticed that I was charged an " Inactivity fee '' of {$100.00}. While I took note of the fact that inactivity fees were listed in my agreement when I signed it ( and this is typical of all HELOCs ), Regions Bank has decided to interpret the meaning of " activity '' in a new and deceptive way. Even if your credit line is fully in use, they will charge an " inactivity fee '' if you do n't take a *new* advance each year. 

I believe that this is a deceptive practice at a minimum, and may violate the terms of my agreement, as it expressly does not say that a " new '' advance must be taken each year -- only that there must be an advance each year, which I interpreted to mean that my line is in use, given that this is an " inactivity fee. " I believe that Regions Bank is defrauding all of its HELOC customers by charging this fee, and that their actions are based upon a questionable interpretation of their contract language which actually constitutes a violation of their own agreement.
XXXX appears on my credit report last updated XX/XX/2018 for Accelerated Financial. I have reached out to them requesting information spoke with a rep name XXXX ( I think ) that said she only had 2 pieces of information that was the same information and no signed contract to provide. I asked her to remove the account from all 3 reporting agencies until she had proper information because I have disputed them 3 times which these last XX/XX/18 came back as valid. The rep transfer me over to XXXX XXXX where he states he has all the signed documents and could send them out to me. I told him to fax them and he said no and the debt will remain and he was not going to remove. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted.
Wells Fargo abruptly closed my credit card without any warning and forfeited all rewards accumulated over several months. I was given no opportunity to redeem the rewards after the bank decided to close my accounts. 

I missed to make minimum payment by due to date on the account not due to financial difficulties but due to an ongoing medical issue with a family member that has kept me exceptionally busy for the month and half. Upon learning of the missed payment, I immediately made full payment on all outstanding amount. Prior to this I never had a missed payment with either Wells Fargo or any bank. My XXXX XXXX has been consistently over XXXX.
I was sent {$25000.00} by a company that I assumed owed money to a woman I had been talking to. I then sent her a majority of that money and shortly there after the money was requested to be returned. The company was XXXX XXXX XXXX out of Nebraska and they use the First National Bank of Omaha. They now have all of my accounts at XXXX bank frozen.
XXXX - XXXX did a XXXX  credit check on XX/XX/XXXX Sears/cbna did a XXXX and XXXX credit check on XX/XX/XXXX Sears/cbna did a XXXX and XXXX  credit check on XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX did a XXXX  credit check on XX/XX/XXXX XXXX XXXX did a XXXX  credit check on XX/XX/XXXX XX/XX/XXXX
A debt collector ( credence ) called my cell phone telling me that I owe money but when I called XXXX XXXX XXXX ( orginal phone company ) I was informed that I was not put in debt collections. I called back the collection agency who called me and they were telling me that i need to call XXXX on 3 way. I informed the representative that I am not calling XXXX on 3 way but i will inform FTC about their agency. 

Debt collection agency and representative : Credence resource management LLC XXXX XXXX-XXXX Telephone company : XXXX
I paid this debt off in XX/XX/XXXX and was advised by someone in the compliance department that it would be removed off my credit. Just recently I was informed that this debt is not only still reporting on my credit it's still showing opened. The agreement was that if I paid the debit that they would have it removed, all of this was stated on a recorded line. Today, XX/XX/XXXX I called and got an representative by the name of XXXX whom refused to give me her agent id and transfer me to compliance after asking multiple times she then transferred me to escalations where I spoke with an rude representative by the name of XXXX. She also refused to send me over to compliance and stated that she would contact them for me. She came back on the line and stated that they stated that the item wouldn't be removed, which isn't true. This company took my money under false pretenses while giving false information. I will be contacting an attorney to have my money refunded back to me and have this item deleted as promised. I will be reaching out to the media about this company, and will continue to file complaints against this company with the CFPB and XXXX until this matter is rectified.
I previously submitted a complaint, which is unresolved, regarding several watch warranties purchased over a year ago. The watches were all recently sold and no longer in my possession, some kind of refund should be issued. I have receipts for all four warranties purchased and refund policy pertaining to warranties is not listed anywhere nor was it disclosed at time of purchase, contrary to what Zales and Citibank claim. Their thirty day return policy pertains to store merchandise, not extended warranties such as these. I have an email from Zales stating to take receipts to local Zales store for full refund and also spoke with a rep named XXXX who also stated the same and even called the store to advise them to issue full refunds. He spoke with XXXX, store manager who got approval from district manager. The case number for this incident is XXXX, the total paid for all four warranties is XXXX. A XXXX dollar gift card was offered by XXXX XXXX in executive office, however, this does not even remedy matter as it is a portion of what was paid. The store was unable to issue refunds as their system is new and would not allow it, their POS ( point of sale ) computer is new and the transactions are over a year old. XXXX referred the case back to XXXX XXXX and left notes to issue a refund in form of a check because system would not allow credit back to credit card. Please advise Zales/Citibank I need a check in the amount of XXXX to resolve this. Complaints have been filed with Texas Attorney General, XXXX XXXX as well as Connecticut Attorney General. I have also forwarded information to Attorney XXXX, a class action attorney for possible suit.
I have XXXX payday loans and my hours at my job were cut so I contacted XXXX relief to consolidate my loans/ I just did n't want to not pay them so I set up an arrangement to pay them through the debt consolidation company. they were receiving their payment out of the payment I was making to the debt consolidation company. They still debited my account I was back and XXXX with the bank. Even Though I was still paying them Credit box LLC and XXXX were still debiting my account even though I stopped payment with my bank they would then debit the account for a different amount on a different day. They even went as far as harassing me everyday and calling my job to verify my employment. After that I was shortly fired my job said it was for another reason but it happened the same day they verified my employment. I was able to get unemployment but I am unemployed and they are still harassing me everyday and I have the phone records to prove it. I tried to do the right thing but in the end they caused a lot of heart ache and pain.
I contacted this " law firm '' Linebarger, Goggan, Blair, & Sampson after receiving multiple calls and letters to advise them that they were attempting to collect an alleged unpaid parking ticket from 2009. They asked for {$24.00} for a parking ticket from nearly 8 years ago. I informed them of the statute of limitations in the State of XXXX is 6 years for debt collection activity and asked that they no longer call me or send me letters. The " attorney '' responded with disregard and claimed that they would continue to collect until I paid it and the penalties in full and that they would report it as unpaid to a credit bureau. I explained that this was in violation of the XXXX laws and he claimed that only XXXX laws applied since their offices are in XXXX.
Experian Report # XXXX XX/XX/18 XXXX  XXXX XXXX XXXX payment paid back in XXXX for XXXX, XXXX and XXXX payment paid. on my credit report not showing updated.
{$25.00} debt incurred on XX/XX/XXXX. Debt thought to be resolved with XXXX XXXX after speaking with billing department they were going to re-bill insurance as insurance company had not paid bill correctly. Instead bill was sent to collections XX/XX/XXXX. Spoke with insurance, they paid bill in full and debt was removed from collections XX/XX/XXXX. Bill sent to collections by XXXX XXXX again XX/XX/XXXX.
On XX/XX/XXXX, I contacted Experian to temporarily remove a credit freeze in order to allow a mortgage company to run a credit check. I was told by an experian agent ( XXXX ) that it would be {$10.00} to remove the freeze. I agreed and gave her a debit card number for the charge. Upon checking my bank statement, I found I was charge 9 times ( {$90.00} ) for the one time {$10.00} charge. Experian hit my card several times within a 4 minute timeframe for the supposedly one time charge. I have tried repeatedly to call Experian to address this problem, but am unable to get through to an agent. My call is stuck in voice option loop and then the call is ended. There is NO option to talk with a human agent at any time. I have tried at least 5 different numbers I have found in notes or on the web, but I experience the same thing ... loop and disconnect. I would like to get my extra money back but have no way of letting them know what is going on. I have enlisted the assistance of my bank, but Experian appears to be a fortress. Help!
This loan started out as a direct loan Parent Plus and then it was sold to someone else-? XXXX ? then it came to belong to Navient. i have made so many payment and the loan has not reduced at all. I have called them multiple times. I have been told over and over, in a few more payment it will start to reduce the prinicpal. Well as you see the principal has not changed an iota. i owe more on one loan than I even borrowed. My other loan is higher than it was when I got my last statement from the Federal student loan servicer. I am attaching the original loan amts from XXXX XXXX. The first sheet is not necessary, but the next 2 sheets are what i owed on the 2 loans I borrowed from XXXX loans BEFORE Navient took over the loans. My complaint is not with Direct loans per se, but I think this information is necessary. I am not sure why the bill does not show anything for XX/XX/XXXX or XX/XX/XXXX. I am almost sure Navient took over in XX/XX/XXXX but it could have been another provder, but I cannpt find any bills for me from anyother servicer and I KEEP my bills. ( so maybe only my son 's loans went to XXXX ). I  am almost 99 % sure it was navient that advised me in XX/XX/XXXX not to pay if it was difficult and no interest would accrue while the loan was in forebearance. I was unemployed for a while. That was a Flat out LIE!.  Then I set up payments when realized interest was accruing. I am attaching all payment that were on website. i have set up automatic payments, because I was told it would decrease my interest rate. My loans have always been 7.9 % and that is what it still is. Main concern is that I have paid approx {$8600.00} to navient and my loan principal has not decrease by even a dollar. It would be fabulous if there is any answer to this nightmare!!! I get so upset every time I look at this stuff. i have been making student loan payments since XX/XX/XXXXwith several large sums paid to other service provider. Navient says it will be paid off in XX/XX/XXXX- I can not believe this!!!!!!!!!!!!
XX/XX/2016 I purchased XXXX items from XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ) with my VISA credit card. When I was billed a charge of {$1000.00} was added to the XXXX charges of {$100.00} & {$25.00}. I phoned the company which then apologized ; the young man who charged me was fired. However, XXXX continues to charge me the {$1000.00} despite my phoned calls explaining what happened. Their letter of XX/XX/XXXX threatens to report me to the XXXX consumer reporting agencies unless I pay t he {$1000.00}.
My employer issued me a check from a frozen bank account that they were not aware of. I promptly called my bank institution and spoke with a customer service representative, an account specialist and security. The account specialist XXXX explained that they received confirmation from my employer 's bank that their account was frozen prior to issuing my check deposit and explained that they would not think it was fraud due to this knowledge. I have received another check from my employer and the bank has made it available to me in one business day. Upon checking my account on XXXX-XXXX-17, I realized that my account was in the negatives and had this note " reg cc XXXX '' next to my deposit. I called Capital One but it is a bank holiday. I am concerned about the practice of this bank institution because according to the regulations of the federal reserve, I am to be notified ( the account holder ) of this hold on my funds and went it would be available. Upon checking further, XXXX is a fraud detection and has signified this check in my account to be held. I am disgusted as the bank and their 3 representatives assured me that they knew what was going on and I would not be penalized for this. It was not my fault that a check given to me was from a frozen bank account and now they want to hold my funds against me for something they thoroughly discussed with me.
I first sent out my disputes to the XXXX CRAs on XXXX via fax and certified mail the same day. I only sent XXXX letter to TransUnion without " additional information ''. This is the way that everyone sends in their disputes. I received a letter today stating that my original letter was received on XXXX/XXXX/XXXX and " additional information '' was received on XXXX/XXXX/XXXX, therefore they have an additional 15 days and that it will be completed on XXXX/XXXX/XXXX instead of the 30 days mandated by law under FCRA XXXX XXXX. This is unlawful ; I never sent anything other than my XXXX letter with identification. They are not allowed to do this. I know many people who have done the same thing and they did not receive letters as such and I have also consulted an attorney and they said this is against the law. They MUST process within 30 days.
I am in the process of buying a home. I have contacted Transunion several times to remove my disputes so that my credit report can process in my lenders under writer system. This has been going on since XXXX of last year when I originally tried to purchase a property. This is effecting my ability to close and qualify for the first time home buyer program. I have called several times over the last year.