WillisBack/dataset-financial-user-claim huggingface dataset:
During the Rushcard glitch, I was without access to my funds for a week or more. I could not pay my bills on time which lead to me having to pay late fees. I could not withdraw money to eat, put gas in my car, pay a loan off, any many other things I needed to do. This ordeal caused a lot of hardship for me.
I left the program due to family emergency. XXXX University refunded Navient {$2400.00} and {$1700.00} totaling {$3700.00}. They are still reporting it on my credit report despite being paid back the money. The Navient representative I spoke to was XXXX on XX/XX/2017 at XXXX
I carry a {$0.00} balance on my cards. Tried to make purchase ( {$5200.00} ) that was {$260.00} dollars above my citi XXXX  credit line ( XXXX ) and the payment was declined two days later. Their app does not have a high value payment process so I called Citi. The agent I spoke to would not allow my transaction to go through even though I said I would pay XXXX off immediately to bring within my limit. 

I asked for a temp line increase and she refused saying can only due a full credit reviewm which when undertaken was declined. She then asked if I could split the payment between cards. My limits with other issuers are much higher so i might aswell just use my XXXX or XXXX. 

Dont understand why Citi 's response is basically dont use our card and use another issuer - dont they want me to use their products?
Equifax did not investigate dispute properly, refused to provide information or delete the unknown medical accounts.

Actions taken:

2017- XXXX  Filed a dispute on unknown medical accounts to Equifax.

2017 XXXX  Found results on their site (never received results over snail mail), basically the results were "We verified that this item belongs to you. If you have additional questions about this item please contact ".

2017 XXXX  Contacted the reporting  with a dispute and request for validation on this unknown medical account as per instructions from Equifax.

Never got any response from the collection agency. I have a proof of delivery of my validation letter to the collection agency.

2017 XXXX  Re-disputed to Equifax with copy of the letter to the .

2017 XXXX  Received the same result from Equifax. Equifax did not investigate properly, did not provide requested information about unknown accounts nor deleted them, did not properly marked accounts as in dispute.

Please note that Equifax is the only credit reporting agency reporting these unknown medical accounts.   XXXX   never have them,  XXXX  deleted after dispute.
I reviewed my credit report on XXXX XXXX,2017 Equifax is retaliating against me because of filed various Federal Retaliation and Discrimination complaints. Equifax credit score is at XXXX? XXXX XXXX and XXXX XXXX. Equifax, XXXX and XXXX suppose to delete all negatives and hard inquiries from my credit report, but they have not done anything.Why? Because of my file various Federal Filed complaints? I am XXXX and Retired and a Military Veteran. Why XXXX and Minorities XXXX and Military Veterans and Military Veterans gets Retaliated and Discriminated by Major credit reporting Agencies?
I was looking into an FHA for the first time and came across this collection which is an illegal one. The original debt was through XXXX that was over 5yrs old. Jefferson Capital is reporting an unverified debt that I allegedly owe to them. I have no contractual agreement with Jefferson CapitaXXXX at all. They are in violation of the Fair Debt Collection Act. I won my cases under the FCRA with Transunion which closed the account, but Equifax Experian has not and severely damaging my credit. I have now made XXXX disputes through Equifax. They must validate, verify, prove all debt with 100 % accuracy and they have not. They are violating the Fair Credit Reporting Act. Jefferson Capital must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. 2 weeks ago I called them asking to see this " collection '' which they can not sue for because of how old this is and all they sent was a bill with no original debt I owe, no details, no signatures, NOTHING. They have in XXXX I owe {$1000.00}, but when I talked to an employee there he said they can lower it to {$530.00} and are sending paper work ... so right there, they are reporting wrong. I was never given notice of this collection. I never signed anything with them and I also was not given the 30 day period to respond before the collection was added, which is a right guaranteed to me by law. This needs to be removed IMMEDIATELY or as others said, I have no choice, but to sue them and bring them to court. I am trying to buy a house and they 're making it hard. This dept is so old they ca n't even sue me or even had my proper address until 2 weeks ago which I 've been at for over 10 years. Jefferson is in full violation of the law and this needs to be taken today.
The debt collector seeks to collect on a " Re-aged '' debt from the early 2000 's greater than 7 years old. The debt collector violates the consent agreement Cfpb file XXXX. XXXX and seeks to collect on debt alleged to have been purchased from XXXX, and failed to validate such debt as under statute of Fair debt collections Act. The debt collector has no legal right to collect debt alleged as third party showing no right to collect in place of " Creditor ''. The debt collector also called third party XXXX XXXX XXXX by robo call
Hi, I have a transfer that was created XXXX XXXX and should have arrived XXXX XXXX the latest. The wire was for {$10000.00} and I was charged with a {$25.00} fee which I agreed to. I 've contacted the company and emailed them they let me know it would arrive today and it has not. I was promised 1 business day transfers. 

XXXX XXXX 2017 XXXX XXXX XXXX XXXX XXXX {$9900.00} USD COMPLETED REFRENCE : XXXX account is under my email XXXXXXXXXXXX Please look into this issue.
XX/XX/XXXX I received a court document showing a lien against me in California. I live and work in XXXX so this envelope came to my parents house by regular mail. I emailed CACH asking for proof of it being my debt ... no answer. I gave permission for Cach to negotiate pants with mom ( revolving acct opened XX/XX/XXXX- no pmt made since XX/XX/XXXX. They would not agree to payment plan or negotiate a lesser amount. 5 days later, with no notice, {$2000.00} was removed from my bank account and I am now stranded in XXXX-with no $ $ to return to work after the holidays in XXXX. 

Does all of this seem legal? 

XXXXXXXXXXXX
In reference to Case number : XXXX closed without an answer. 
Citi sent us a letter denying the request to re-issue the check by stating they did not purchase XXXX and advises us to call XXXX. 
The problem with this is that all of XXXX 's toll-free numbers are owned by Citi and ring Citi 's mortgage units. This clearly shows that Citi purchased XXXX.
CAPIO has reported two accounts both of which have been disputed and removed by all credit bureaus. XXXX XXXX XXXX just removed it off. Now this company has reported it and 1. Never received written notice that they had it or that it was going to be reported! My info was stolen years ago and that debt is not mine. Plus my info has once again be stolen as I was part of the XXXX  breech. They should not be allowed to keep reporting the debt/account once it's been disputed and removed!

Once I learned that this hit my credit I called the company and the man was very rude claiming that i owed it and I need to pay it and said they didn't have to send me anything before reporting it.
Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX was sent a police report and cleared the account from my name and stated they removed all information and cease collection due to identity theft. However have sent the account to collection. This account needs to be removed immediately from XXXX XXXX XXXX and all credit reporting agencies otherwise I am seeking damages for the credit reporting.
got me on a computer calling machine after I talk to a representative off this company they continue to call me XXXX times a day, I have already made payments for automatic withdraw from my checking account, and they still harass me, I also told them not to call me on the XXXX and yet I recieved XXXX calls today.
Me and my brother owed a apartment complex we stayed at. Right now it's hindering us from getting a place to stay. My mom called and payed off his remaining balance and asked can she get a letter saying that it's been payed off. The lady tells her " Oh we can't send you that until the other account is payed off because they are linked '' How are they linked? They accounts have 2 different account numbers. And his account is paid in full yet they haven't removed it from his credit. It's been over a month. I chatted online with a rep and was told I owe XXXX. Then she begins to tell me my balance is due in her office no later than XX/XX/18 or collection efforts will still continue. Then she changed the date to XX/XX/2018. I told her so she expects me to pay XXXX in 3 days. Then she says if it is in her office by XX/XX/2018. Then my mom called the other after a payment was taken out for my account. They proceed to tell her the payment was posted to my brothers account. She asked how in the world was it posted to my brothers account when his is paid off? The told her it would be fixed and his account will be marked as paid off. Then they told her my account balance was XXXX. But in the chat I was told XXXX ( which I have the chat saved for that purpose ) .The original creditor XXXX XXXX XXXX XXXX was just bought so shouldn't the debt be cancelled?
We have a home in XXXX, XXXX that we purchased almost 10 years ago. We lived there for 2-3 years before we relocated to XXXX for a new job. We then put the house up for sale but due to the housing market plummet we were unable to sell the home and had to rent it. Then due to financial hardships including unemployment we had to try to shortsale or foreclose on the home. Two years ago ( XX/XX/XXXX ) we began the short sale process with Bank of America, the holder of the mortgage. Within the first 6 months we had between XXXX-XXXX offers valid, several were at or above the value of the home and XXXX of them were cash offers. None of the offers were accepted and for the next almost 18 month time period we have wrestled with their ridiculous system. We have filed the same paperwork over 5 times. We were even so frustrated that we have offered to file for a Deed in Lieu of foreclosure or even a straight out foreclosure and we were told that they would n't accept it. 

After doing some research we believe that Bank of America is " Dual Tracking '' our property, which is working on a foreclosure while also working on loan modification. This is not legal and they have lost class action suits for this very action. We have now begun to receive notification of Foreclosure process even though we are still semi-weekly filling out and faxing paperwork for the loan modification process so we can short sale. 

At this time we have once again XXXX-XXXX valid offers for short sale on the property. They have been adding bogus fees to our monthly statements including fees for yard work, lock change, cleaning, maintenance, mail fees, etc. some of which we believe they have made up because we have received no documentation. We paid for the proposed yard work and maintenance performed on the property out of our own pockets.. We also just received a statement with an Attorney/Trustee fee which leads us to believe they have already begun the foreclosure proceeding. At this point we just want to be done. We 'd love to have the home sold but we really do n't think they are ever going to process or accept an offer. We 've been doing this since XX/XX/XXXX and it 's exhausting. BoA is clearly working against itself. While they tell us during regular phone calls that the loan modification / short sale process is moving forward, we receive letters indicating they are foreclosing. 

I spoke to BoA on XX/XX/XXXX at XXXX ( MT ) XXXX XXXX ( our Account Manager ) informed me at that time that the property did NOT have a foreclosure date set and that we were now being moved into either a Short Sale or Deed in Lieu of foreclosure. I opted for Deed in Lieu, citing BoA 's history of unwillingness to allow a sale to go through. I also told her that we had offers on the table. 

She informed me that we would follow up on XX/XX/XXXX. 

In the meantime, we received notice that they house had been rekeyed and it was moving into foreclosure.
Citi bank refusing to remove unauthorized charges for 3 months with explanation that they are investigating, as thou citi bank is trying to proof Im responsible for this charge. Even telling me to pay the charge or they report as non-payment to credit reporting bureaus. 
Their lack of card security enabled this unauthorized transaction. Since citi bank authorized the charge without verification. 
On the merchant statement that was submitted, 0name was wrong and the address was wrong, Citi bank reps refusing to acknowledge the law of Fair Credit Billing Act. Credit CARD Act of XX/XX/XXXX eRegulations 12 CFR Part 1026 ( Regulation Z ) Credit Card Loss or Fraudulent Charges Under the FCBA, your liability for unauthorized use of your credit card tops out at {$50.00}. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didnt authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use. 

XX/XX/XXXX REVERSE XXXX XXXX ONLINE XXXX Posted Date : XX/XX/XXXX {$980.00}
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has posted five different amounts on for same account number to my credit accounts. Furthermore, I never entered into any agreement with them or the people they represent. I never signed any obligation or promise to pay nor am I accepting any charges to me from either. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has also reported two different amounts on same account, as well as a payment, none of which are mine. I have never entered into any agreement or contract with them or their client obligating me to pay any amount. 

I have disputed all amounts and accounts with XXXX, XXXX   and Equifax several times, yet they have not resolved the inaccuracies. 

I have never agreed to, or opened any accounts, with these reporting companies so how can they destroy my credit?
Experian reinserted the XXXX XXXX XXXX Account to my credit report. I have not received notice from this collection agency. They did not send me a dunning letter informing me that they were attempting to collect a debt. This is in direct violation of my consumer rights. Experian did not notify as well within 5 days of reinserting this item. This item should be deleted immediately.
There are two collection agencies trying to collect on this one account that is not owed by me. Convergent outstanding I have never had an account with them or XXXX.
Hi I recently contacted them to removal my hard inquires. They FAILED to provide proof these records are factual. I contacted each company they said that it was removed however the credit bureaus aren't removing them. I also have proof they requested it too be removed. I am a victim of fraud and I put a freeze on my account. Some of the inquires are wrong social security and some are over two years old. They don't want to help me because they PROFIT off bad credit and refuse to help me they keep sending me FACTUAL reports. For example XXXX pulled my credit four times and even XXXX said XXXX XXXX did not respond so it's not my account all credit inquires should of been removed. This was in XXXX they still haven't removed all of my hard inquires and I sent them all th information
as of  XX/XX/XXXX  I 've received a letter from Forster & Garbus LLP for a payment of {$4800.00}. On  XX/XX/XXXX  we have a settlement stipulation of {$3500.00}. The stipulation is that I pay {$50.00} every on the  XXXX  monthly. I have ten days after the  XXXX  to full fill my agreement. I have paid all my payments on time. A payment of money order on XX/XX/XXXX was received on  XX/XX/XXXX . Which is still within my time frame. Now  Forster & Gurbus is  demanding I paid the full amount of my debt in the amount of {$4800.00}. I have called to resolve the problems but they refused to work with me and demanded I pay the full amount. Closed is a copy of the stipulation and receipts of money order. My other payments are paid online and I also have receipts upon request. This is an unjust attempt to try to collect a debt from a consumer whom is trying to abide by the stipulation.  Forster & Gurbus t ook the liberty to say that they did n't receive the check by the  XXXX  and attempt to collect the full amount. This is an unfair practice and should be noted.
I have disputed this Inaccurate reporting with all three credit bureaus Equifax, XXXX and XXXX. Each time it comes back as verified but the information is still incorrect. I have contacted the Original Creditor XXXX XXXX XXXX as well with the issue and they say verified as well. 
They are Reporting Payment Information as follows : Date of Last Payment XX/XX/XXXX Payment History show as 60 day late for XX/XX/XXXX.
Date of First Delinquency show as XX/XX/XXXX Credit Report show 30 day for XX/XX/XXXX
A computer glitch that was transunion problem caused my inquiries to be deleted. Transunion later added them all back to my credit report without giving me legally required 5 day notice prior to re adding them. I contacted Transunion several times in good faith asking them to remove the inquires they illegally re-added. These inquires add a hardship and my rights were violated by Transunion
This is a billing error dispute for my XXXX  XXXX XXXX Home Equity Line of Credit account. 
Since XX/XX/XXXX, I have not received any of my paper billing statement for my XXXX XXXX XXXX Home Equity Line of Credit ( HELOC ) account. Each month since XX/XX/XXXX, I have sent XXXX XXXX XXXX letters requesting that they send me a paper statement so that I may know what amount to pay ( minimum due ) and by what day I must pay ( due date ). XXXX  XXXX XXXX has failed to send me paper statements for the month of XX/XX/XXXX to XX/XX/XXXX, for all the months of XX/XX/XXXX, and for XX/XX/XXXX through XX/XX/XXXX. I recently pulled my credit report and all 3 major credit bureaus show that XXXX XXXX XXXX is reporting my account past due for all months since XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX by phone and XXXX XXXX XXXX acknowledged that because of an error in their system, I have not been sent any of my statements since XX/XX/XXXX and that they will be sending out a paper statement in the mail within the next few days. I was also informed that I have a past due balance of approximately {$14000.00} dollars that I must pay. Per XXXX XXXX XXXX, my minimum payment due changed on or about XX/XX/XXXX. If I would have been given my paper statements, I would have made the correct amount due. I want to dispute the past due balance as several billing errors occurred because I did not receive any billing statements since XX/XX/XXXX. Every month since XX/XX/XXXX, I sent XXXX XXXX XXXX a written notice stating that I have not received the statement for the month I mailed out each notice.
This Company did a background check on me and contacted my landlord, my mother and my job telling them they are trying to get a hold regarding this debt, I have no idea what this debt is for because they have not informed me via mail, they just keep calling me. They preformed a background check on me without my consent and bothering innocent people about this " debt ''
Found a doctor bill on my credit report that that was sent to a collection center that should not be there, it should of been sent to my insurance company
SLS and the foreclosure trustee is illegally foreclosing on the my property and I have an approved short sale file that SLS granted and now they have a sale date for XXXX XXXX, 2016. 
Re : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You as a trustee have committed a violation under HBOR along with SLS Mortgage under the " dual tracking '' law considering the APPROVED Short Sale that is currently active and in process. A separate complaint was file with the State Bar of California against the attorney office for conspiring to conduct this illegally foreclosure sale.
On Friday XXXX XXXX responded to a call from XXXX at XXXX financial services he did not want to listen only yell at me and told me he was done with my XXXX and hung up. He then called back later being nice telling me he represents XXXX XXXX insurance. I called them and he is a third party debt collector. I spoke again on Tuesday, XXXX XXXX XXXX and he told me he will not accept any payments and if I pay DMV or anyone else he will see my husband never drives another day of his life. This was done yelling at the top of his XXXX. He asked me if I want to play games. He said he would take money from employer, bank acct ect ... I felt very emotionally abused and will seek legal council against him.
I called Navient and the customer service representative misrepresented the company when I called I ask if this was in regards to my student loan and she said no I need you to verify information before we can talk to you. I refuse to do so because I know that Navient is a government contractor for the federal student loans department. My current loan is with a in good standing with XXXX. I have no desire to transfer or do business with Navient. They are harassing my harassing me at work by making phone calls and harassing my spell by calling his cell phone. I asked that they remove my work and husbands phone number and to not contact me any further. The representative said the calls will continue but she will mail a letter explaining the reason for the call. I know what Navient is proposing and I do not want their service. I want them to stop harassing me at work and my husband. I want all communication including phone text work mail correspondence I want it all to stop immediate.
Bank of America has stated that they had automatic payments from my account. During XX/XX/2018 I made a XXXX dollar payment and Bank of America made a payment of {$100.00} dollars through automatic payments from a closed account that has been closed for more than a year. The XXXX dollar payment at the branch was processed but they gave me a 2 fees. The first one was late because they claim their " automatic payment '' that their system processed was late. And the second fee they slapped my account with was a " returned check fee ''. I called today XX/XX/2018, and the representative claims I have always had recurring payments from my account, which I dont recall since I normally call ahead of time to make sure the account is in good standing. But they processed and invalid payment from an account that has been closed and not used for more than a year. Because Bank of America has processed my payments from my checking account ending in XXXX from XXXX. I am struggling to pay my college debt and can not afford these fees.
The inquiry was made on XX/XX/2018. I am unsure of loan amount requested. A letter was written to try in get the inquiry removed.