WillisBack/dataset-financial-user-claim huggingface dataset:
ARA INC. is threatening to sue me and seek judgement on a credit card debt that is XXXX years old which is well past the statute of limitations. They have presented no facts or paper work and I do not beleive that I owe this debt.
I contacted transunion asking them to provide me with information regarding my bankruptcy and how they received my information I 've sent them letter and have n't gotten a response I contacted the bankruptcy court asking them how do they share information and do the report to any credit bureau agencies or third party they informed me over the phone that they do n't I 've ask if they can send me that in righting but they said they did n't it is to my knowledge that a credit bureau agencies can not receive any information from my bankruptcy from any other source only from the bankruptcy court and that they are to provide me with the information on how they verify my bankruptcy they have yet to respond I 've tried several time according to the fcra section XXXX they are required to send me proof of how my information was received and they have 15 days from the letter to respond but still nothing they told me over the phone they do n't have to submit me with that but I know that is untrue please help
I APPLIED FOR HARDSHIP ASSISTANCE TWICE SINCE XX/XX/XXXX AND I WAS DECLINED AGAIN ON XX/XX/XXXX STATING THAT MY CIRCUMSTANCE HAS NOT CHANGED. MY INCOME THEY STATED THEY USED IN XX/XX/XXXX WAS {$2800.00} AND THE NEW INCOME THEY VERIFIED FOR THE NEW DENIAL IS NOW {$2500.00} SO YOU CAN CLEARLY SEE MY INCOME DROPPED YET AGAIN HENCE ME ASKING FOR HARDSHIP ASSISTANCE. MY RATIOS ARE WELL WITHIN FEDERAL GUIDELINES AS I HAVE READ OVER AND OVER THE GUIDELINES SINCE I ALWAYS HAVE TO FIGHT MY SERVICER. I NEED MY FILE TO BE ESCALATED AS IT IS APPARENT THE SERVICER IS TAKING UPON THEMSELVES TO DECLINE ME VERSUS MY INVESTOR THAT ACTUALLY HOLDS THE NOTE. XXXX IS NOT DECLINING MY FILE ONLY RUSHMORE BECAUSE THEY DO NOT UNDERSTAND THE MEANING OF NO CHANGE IN CIRCUMSTANCE. 

MY CURRENT FRONT END DTI IS 42 %, WHICH IS ABOVE THE REQUIRED 31 % AND MY BACK-END RATIO IS 36.93 % AT ITS HIGHEST SO TO STATE THAT I AM NOT WITHIN GUIDELINES IS BEYOND BELIEF AND NEED SOMEONE WITH THE UNDERSTANDING OF GUIDELINES TO STEP IN AND CORRECT THIS SITUATION. I AM XXXX YEARS OLD AND ITS APPARENT THAT RUSHMORE IS TRYING TO TAKE ADVANTAGE OF ME BECAUSE I AM SENIOR CITIZEN AND I WONT UNDERSTAND. ALL GUIDELINES ARE PRESENT ONLINE FOR EVERYONE TO READ, I WILL NOT BE A VICTIM TO RUSHMORE AND THEIR ABUSE.
On XX/XX/2015 I call TransUnion to inform them that I was seeing inquiries countless amounts of inquires showing up on the my credit report. I was aware that they did have an inquire issue and that my file was possibly affected by this. None the less they did not notify me at all about this situation and when I called for clarity the Customer Service Rep was of no help. I just wanted the inquires all off my report.
This is supporting information just received to support my dispute of Springleaf Financial 's response to complaint Case # XXXX. 
Springleaf stated that they spoke to XXXX Mortgage about my loan and I was in foreclosure status ( which I was NOT ) : Please see paragraphs XXXX and XXXX on letter from XXXX XXXX that say their records do not indicate that I authorized any third parties to receive information for my loan ( paragraph XXXX ) and XXXX 's records do not indicate that they released any information to Springleaf before or after XXXX received payoff funds on XXXX XXXX, 2012. They ( XXXX ) goes on to state that the payoff funds were received in the form of a bank wire sent to XXXX by Springleaf " on my behalf '' ( Paragraph XXXX ) Also, the Payoff Letter cover letter ( from XXXX XXXX of XXXX ) shows that the payoff letter was faxed to my attention, but FAXED TO SPRINGLEAF 's FAX NUMBER. 
This supporting information should refute the statements made by Springleaf in their response to my complaint and show that my complaint is indeed valid.
I do not understand how the credit lending institution can allow a machine to run my credit and decide that the lack of information found means I'm a risk factor for paying my bills. I have filled out credit applications and been denied for what was on my reports so I did not argue. I spent several stressful weeks trying get the inaccuracies corrected & now they are. I filled out a new application and was denied for not having enough history of payments, & a non generated fico score. I have paid cash my whole life & had no clue I was being graded for my payment histories! The credit card companies will not give me a fair chance because according to the grading scores ( calculated risk ) I'm not credit worthy. I am sick of the way our governments grade our lives pretty much from birth! I'm capable of paying my bills and I'm the one who should be ablebto say so not some XXXX scoring chart that has no clue what assets I've aquired in my XXXX   years of life. Credit lenders if you can not treat me the way you might a XXXX with no credentials in the U.S. then your loss and you should be ashamed of your selves. I think its prejudice & bias that you won't trust me but I'm forced to trust you!
I wish to be identified as someone who has been harmed by the management practices of Navient. Many times, it was suggested to place my account in forbearance - they did not explain that forbearance would run out and that it would negatively affect my credit rating. When they placed my account in forbearance they would make it effective the day after my payment due date to ensure that my credit rating showed I was late paying. I have tried to ask Navient multiple times to take care of the fraudulent credit reporting and they have refused. This has affected my ability to get loans and employment. Overall, Navient 's responsibility to inform their customers on the loan repayment process is terrible.
I disputed a bankruptcy on my credit report, which came back verified. I checked with XXXX and the bankruptcy had been removed. I sent proof to the credit bureaus but they stated that they would not reinvestigate.
I 've opened an account with XXXX. I needed to link an external account to it to transfer the money. Apparently, the external account I 've linked could be used to transfer the money. However, only XXXX external account can be linked to the popular direct account and it can not be removed by the customer. I 've spoken with several CSR 's about this issue, the most recent one was on XXXX/XXXX/16. I spoke with XXXX who told me that the supervisor will call within one hour. No one called. The next day, XXXX/XXXX/16 I spoke with another CSR, who told me that the supervisor, XXXX, will call me back. No one called. I 've been trying to understand what is going on with my account, but no one returns my calls. This is a very poorly run banking institution.
Experian is reporting an account as open and past due. This account was with XXXX XXXX XXXX and was discharged in a Chapter XXXX  Bankruptcy in XX/XX/XXXX. I have written Experian and followed their dispute resolution system. They were provided with the schedule of discharged debts and the discharge documents. Additionally I provided XXXX with XXXX and XXXX reporting of the account. Experian came back and denied my claim and told me to call XXXX XXXX and provided a phone number. I called that number and XXXX XXXX confirmed that the debt was discharged and told that Experian needs to contact XXXX XXXX. This has all transpired over the last 3 months. XX/XX/XXXX
Called claiming they wished to contact my friend for a job offer and that he had left my information as reference for said job. They claimed they can not contact him and asked that I forward information to this friend to call a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX extension XXXX. I 've received several calls over the past year with the exact same claim for my friend, which i know is a scam attempting to get me to do their work in a collection attempt. Seeing as I have not given them permission to contact me on a regular basis yet they continue to call me with this scam, this can not be legal. Caller ID showed the number originated from the collection agencies Arizona number : XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX put an account in collections with Experian. This account was from XXXX XXXX XXXX XXXX for services that I never authorized or accepted. 
I had never signed any paperwork nor did they ask me before performing those services on me. I was awake and totally conscious when I had gone to XXXX XXXX XXXX XXXX. 
I have disputed this with Experian, but they are not providing me with any information showing that I authorized said charges. I called Experian and they said they have an electronic system with XXXX and they are unable to ask for proof of any sort of documentation. 
XXXX Account : XXXX
For months since XX/XX/2018 I have been disputing and following the law to have these items removed and each company reporting on my report has yet to validate their search upon request in accordance to the federal law as required which is a violation of the FCRA & FDCPA. 

I requested that each company please provide me of an original signature or any proof binding me to any debt with them they claim I owe in accordance with federal guidelines and each company has failed to do so after about 6 challenging attempts. 3 from myself 2 from XXXX XXXX and another from XXXX XXXX XXXX  XXXX XXXX XXXX. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I  have requested that each organization reporting derogatory items and negative closed accounts please prove this to me as I do not recognize or claim any accounts to be mine. 
Furthermore I have given them more than 30 days to respond accordingly and they have yet to respond proving or validating the debt within the 30 days required by law. 

The first challenges went out on XX/XX/2018 to XXXX XXXX XXXX for {$720.00}, There was a challenge for a XXXX balance as a charge off with them as well. XXXX XXXX also showed a {$720.00} balance along with XXXX/XXXX XXXX  with a balance of {$430.00} and XXXX XXXX for {$680.00}. 

I disputed each item and requested for proof my original signature as validation per the federal law requires within a 30 day period for I did and still do not recall such accounts. I informed them that failure to do so in accordance with the laws provided to remove any debt bearing my name on my credit report from their credit profile and to remove any negative item from my credit report. 

They responded with letters within the 30 day period saying that the debt was valid and their investigation was verified yet did not provide proof within 30 days of the initial letter as requested such as a signature binding me to the debt as the law requires. 

The second challenges went out on XX/XX/2018 to the same companies listed above for the same amounts and their responses were the same still failing to provide me with any type of proof validating the debt as the law requires. 

The third challenges went out on XX/XX/2018. As a final goodwill attempt along with More challenges sent out later via credit repair services between the months of XX/XX/XXXX-XX/XX/2018. 

Yet again these companies have within the 30 day span upon the initial challenge failed repeatedly to act in accordance with the law and have been in violation of the FCRA & FDCPA.

I too requested Validation they have yet to prove it.

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
My student loans are through Keybank and were initially services by XXXX XXXX. I've paid my loans on time since graduating in 2006. While my loans were serviced by XXXX XXXX I paid the same amount every month. My loan servicer was changed to XXXX XXXX in XXXX and now my monthly payment to is variable and will change every month or so which is difficult for me to budget for. I have also paid my loans for the last 12 years and Keybank will not allow me to remove my sister as cosigner which has caused her undue Financial hardship
XXXX REFUSE TO UPDATE THE PAID ACCOUNT AS PAID EVEN WITH PROOF We have opened your Account Dispute The dispute for the account with XXXX/XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

Alert Details Alert Date XX/XX/XXXX Source XXXX  Date Submitted XX/XX/XXXX Estimated Resolution Date XX/XX/XXXX Report Number XXXX Account Number XXXX Company XXXX/XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms 6 Months Responsibility Individual Your Statement - Comments Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 XXXX 60 XX/XX/XXXX90 XXXX FP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FP XXXX On Time 120 120+ Days Late 30 30 Days Late FP Failed to Pay 60 60 Days Late N Negative 90 90 Days Late Data Unavailable
I believe it was sometime in the summer of XXXX I had a major repossession from GM Financial for my XXXX XXXX XXXX. I tried to get my monthly payments lowered because I lost my great paying job and used only what I had left in my savings to pay for rent, car payment, car insurance, food and clothes for my son who was two at the time. I want to remove GM financial from my credit history and come with a settlement to dispute this situation.
Experian is still listing an account that is past the 7 year reporting period. 
XXXX XXXX XXXX, account number XXXX. 
I have attached a copy of my Experian report which reflects how this account is reporting. Please notice the STATUS DETAILS which states : This account is scheduled to continue on record until XXXX 2017. Yet it is still listed on my credit report. Experian is the ONLY credit reporting agency to report this account.
Complaint number XXXX has not been satisfied. 
Mr. Cooper addressed the CITY TAXES, not the XXXX XXXX Taxes. They have not corre4cted the overpayment from this complaint. I received notice from you that they responded. The response did not correct the error. I DO NOT consider the complaint to be closed, when they have not corrected the problem and my escrow account is over {$3000.00} in a negative balance because of their negligence. What is the point of asking for your assistance as an oversight agency if you do not address the problem?
On XXXX XXXX, 2015 at XXXX ( cst ) I requested a stop payment be placed on an ACH debit that was due to hit on XXXX XXXX, 2015 in the amount of {$250.00} from a company called XXXX. I was given a reference number, XXXX, that the stop payment order was in placed. 

On XXXX XXXX, 2015 I check my online account and saw that the above reference item was pending. At that time I spoke to another customer service person and requested that the stop payment be placed on this item ; they confirmed that it was and provided me with the following confirmation number : XXXX. As I reviewed my account today I noticed that XXXX separate insufficient funds fees totaling {$140.00} had been debited from my checking account. I immediately called and requested that those fees be reversed because they were generated solely due to Wellsfargo Bank 's failure to honor the original stop payment request I made on XXXX XXXX, 2015.
I just discovered this yesterday : My credit report shows a XXXX address ; lifelong XXXX resident. Student loans from XXXX that I was trying to make good on through the XXXX, were transferred to service provider GC Services. They made XXXX successful attempts to contact me declaring themselves the owner of my loan ; thought they were picked up by XXXX with the rest of my loans ... I was wrong. 
XXXX address was garnered by GC Services via XXXX XXXX XXXX XXXX no need to skip trace me ... still at same address ). The address was adopted to my credit report and thus adopted by my XXXX XXXX XXXX XXXX, XXXX account and still learning more ... 
XXXX is a function of XXXX. The address was added to my XXXX credit report XXXX/XXXX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX collected from XXXX, a division of XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX gave the information to XXXX  They act like I am talking about area XXXX when I bring up XXXX. 
There was absolutely no reason to skip trace and/or change my address. This is systemic problem that occurs too frequently with full plausible deniability on the loan servicers ' part. They just send the bill to the wrong address and tell me it is my responsibility to keep my address up to date with the XXXX. It was until they changed it ... ..XXXX admitted to the practice of providing information that XXXX not be accurate and provides full disclaimer and disclosure that the information they provide is to be used at the risk of the user, that would be GC Services in this case. 

The scam is this : the student loan contracted by XXXX  makes a singular attempt to reach the owner of newly acquired loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. they barely satisfy the minimum requirement to inform the consumer of their new responsibility that is not a choice BTW. The default happens soo fast and they ca n't wait to sell you a rehabilitation plan that they get paid a commission upon successful completion. This serves as an economic engine of millions of students making 'rehab ' payments and tacking on fees and interest. All the while, the loan service ca n't wait to reset the clock if miss a penny. 
My first conversation with XXXX several years ago and XXXX XXXX yesterday was " who are you? '' ... '' we own your loan, its in default, would you like a rehabilitation plan? ". The opportunity to pay the loan on time is often so obscure and this is on purpose. This is a very well ingrained scam where everyone but the consumer is getting a cut. 
I look forward to your response. 
Thank you
Regarding Residential Credit Solutions ( RCS ), XXXX XXXX, Tx and XXXX XXXX XXXX, XXXX XXXX, SD. 

On XXXX XXXX, 2016 ( Saturday ), I received a letter dated XXXX XXXX, 2016, from Residential Credit Solutions notifying me that my loan servicing was transferring to XXXX XXXX XXXX effective XXXX XXXX, 2016. How can a company make notification that is effectively 9 calendar days ( not working days ) prior to a transfer. I have received nothing from XXXX XXXX as of XXXX XXXX, 2016.
In response to a promotional offer from American Express and Delta Airlines, I applied for and received a Delta Sky Miles American Express card. The promotion promised a {$50.00} credit on the American Express account and 30,000 miles on my Delta skymiles account, so long as I spent {$1000.00} within the first three months of having the card. I received the card on XXXX XXXX, 2017. I charged over {$1000.00} in the first month and paid that amount in full when I received my first statement. When I did not receive the promotional benefits after I paid the first statement, I contacted American Express. I was told that there could be a several week delay in getting the benefits but that the latest I would receive them would be 3 months after the activation of the card. After 2 months and still no benefits, I called again. The customer service representative assured me that the benefits would be applied no later than XXXX XXXX. When I still did not receive the benefits, I called American Express again on XXXX XXXX. At this time, I was told that the matter would need to be sent to the escalation department and it could take another week or so to resolve. There is no reason that a consumer should have to contact American Express multiple times in order to receive a promotion that American Express and Delta committed to providing.
I WAS TRYING TO LOOK AT MY XXXX AND EXPERIAN CREDIT REPORTS BUT THE QUESTIONS IT WAS ASKING TO CONFIRM I AM XXXX XXXX I ANSWERED THE QUESTIONS CORRECT BUT IT SAID I WAS INCORRECT SO SOME INFORMATION IS WRONG ON MY REPORT BECAUSE I DONT HAVE A CHECKING ACCOUNT I NEVER HAD A MORGAGE LOAN. ALSO MY PREVIOUS STREET ADDRESS I LIVED ON IS XXXX AND MY CURRENT STREET NAME IS XXXX AND I DIDNT SEE ANY STREET NAMES ON MY REPORT THAT HAD XXXX OR XXXX. I HAVE NOTICED INCORRECT INFORMATION BEFORE AND I THOUGHT THIS WAS ALL FIXED ALREADY SO IF YOU CAN PLEASE LOOK IN TO THIS I WOULD APPRECIATE IT THANK YOU
I would lie to dispute this becuase it is harming my credit score and i am unaware of who this company is
I have contacted Equifax via phone and the internet to request that you remove the following unauthorized inquiries from my credit report :   XXXX   XXXX    XXXX   XXXX ,  2016    XXXX   XXXX     XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  , 2016    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , 2016   XXXX   XXXX   XXXX   XXXX  ,2016   XXXX   XXXX   XXXX   XXXX   (   XXXX  ) Various Dates  XXXX  (  XXXX  ) Various Dates So you explain to me that this inquiries are factual in which they are not. I have attached a copy of the letter that I have sent directly to the creditor disputing their reporting.       I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.     I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.