WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a Payday loan on Moneylion.com. They states it would be paid back in payments of {$36.00} every payday until it was paid. I gave them my bank information. After giving them my bank information I was informed I did not qualify for the loan. I forgot all about it until my next payday when they took {$36.00} out of my bank account. I was told it was for their premium membership, which they did not state was where the {$36.00} a month was actually going and had nothing to do with the loan. I requested a refund 3 weeks ago and have been in contact with them since. First they had to let the payment process. Then it would take 5 business days. Now I emailed them yesterday and they said they had no record of the refund being requested or initiated and it would be another 5 business days. These people are the scum of the earth, please look into them. Im sure Im not the only person theyve bait and switched.
On or about XX/XX/XXXX, I called the number listed for this account on my XXXX   credit report and I asked the collection agency to verify the debt and they could not. As an alternative they offered to settle the {$3100.00} debt for {$1200.00}. I insisted that I need to verify the debt and they promised to send me statements from the original creditor. As of this date I still have not received any written communication to verify this debt from this collection agency. I called again last Friday XX/XX/XXXX  and again was not able to get information to verify this debt.

I am in the process of purchasing my first home and this collection item is hindering/impeding my progress.

Here is the information that is showing on my 3 credit reports : You have 2 accounts in Collections Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XX/XX/XXXX {$3000.00} {$3000.00} Paramount Recovery Sys XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
I was required by XXXX ( XXXX XXXX XXXX to obtain a XXXX Signature for a Transfer on Death application. I was unaware that the Bank of America XXXX BOA ), where I have several accounts, dropped this service several months ago. My BOA branch said to contact Merrill Lynch. When I asked whether an account at Merrill Lynch was required, the answer was vague. Subsequently, I found out that one had to drive to an office an hour away and even then open an account. I spent several weeks trying in vain to find out where I could get this service. Finally, I went to nearby banks and found that they all provided XXXX XXXX.
I have a Wells Fargo student loan that went into collections years ago. I have been on a payment plan with them for several years now paying {$350.00} a month. The statements I receive just state thank you for scheduling your payment in advance and when it will be withdrawn -- with no balance etc. The last payment was made on XXXX XXXX and paid the loan in full. I have spoken several times with Wells at XXXX who verify the debt has been paid off..I have asked for a letter they said it could take several months and they are waiting on an attorney. I never received a letter that it was paid off -- I happened to call to see what the balance was ... I called the attorneys office at XXXX and they said they have no instructions on this and referred me back to Wells Fargo. I feel like I am getting the run around and if the debt is paid in full I would like that represented on my credit report. I tried disputing through all XXXX bureaus and it is still registering a XXXX balance and still in charge off status. When I called to ask why Wells is saying until they get paperwork from attorney ( which I have mentioned knows noting about this ) they can not show a XXXX balance..If it is paid in full in XX/XX/XXXX why cant I get this updated now?
I called the office to request the balance of my judgement. They gave me the total balance. I asked what the balance of my judgement was again, she gave me the total. I said, " how many payments have I made towards my judgement '' she told me, " that was what the receipts were for. '' I asked to speak to her supervisor, her supervisor did not want to hear how rude the collector was to me, she ALSO gave me the total amount. I asked her for just the judgement, she began to tell me how I should go about requesting the judgement amount. I let her know I asked her em ployee 3+ tim es and her twice and if someone could just give me the total amount of my judgement only. She gave me the judgement amount FINALLY. I hung up and as I was hanging up called them jerks. When I called back and asked to speak to the attorney, I was yelled at and told that THEY would n't be treated that way. Not one time did they ever give the mini miranda. The supervisor never said it, neither did the collector. I am pretty sure that is required for every collection call. They also never verified I was who I said I was. Not an address, a  SSN  a birthday. They could have essentially been giving my information to anyone who called.
I filed a police report and an FTC report to show that I was a victim of identity theft but navy federal credit refuses to look into this matter and they keep reporting Negative information to the credit bureaus
XXXX XXXX DOB XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I am writing to request a correction of the following information that appears on my credit report. 

On XX/XX/XXXX I sent validation letter to all 3 bureaus asking for them provide me with proof of collections that they are reporting belongs to me. I ask them to provide me a contract showing my signature and the agreement. They sent me letter stating the debt was verified but did not send me proof of a signed agreement with the collection agency. 
XXXX : XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$220.00} XXXX  : XXXX {$1000.00} XXXX XXXX   {$1600.00} ( did not provide me proof of signed HIPPA ) Experian : XXXX XXXX {$1000.00} These account should be needed because I do not have an agreement or contract with them. They are reporting incorrect information.
Medical Revenue Services calls before XXXX and sometimes after XXXX several times a day using a " robocall '' automatic system. The insist in that I owe medical bills which I not true as I am still a patient of all the Doctors I 've had for more than 15 years and no one has claimed anything from me.
I had a account that was closed with XXXX it was a cable bill for equipment not returned after account was closed and handed over to collections I returned equipment in store. However my account was still open with the collections agency I sent a certified letter with receipt attached showing returned equipment letter was requesting validation of debt, No response to this certified letter. No response after 30 Business days So I then filled dispute with XXXX with receipt of returned equipment as well and it was removed off my credit file. This however is now showing purchased through another debt collection agency and I am no longer Liable for this account.
This agency has numerous errors on my report. Names, addresses and personal information incorrect. I have contacted them and they can not correct via on line or email. A phone call to them gave no results. I waited 20 minutes on the phone and finally hung up. They sent a updated report and refused to take off the incorrect info on Social Security. They are saying the address I live at is a business address, this in not true. They are reporting my name incorrectly. And I can not seem to upload anything to the site, nor will then send me a hard copy of the free report. There are several requests from companies I have no idea who they are. And I see some companies contact them all the time for updates on my credit. I take offense to all this. I do n't believe that companies should have so much access to my or any ones personal information, this way. This allows all kinds of people to access personal information and use it any way they want.
I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.
I was told to submit a claim form last year which I did on XX/XX/XXXX. I waited and after several months I received a check on XX/XX/XXXX. Their letters claimed I would be receiving around {$210.00} when I finally received the check it was for {$170.00}. Where is the {$33.00}? I need assistance because I have a feeling I 'm going to get the run around with the company.
This has been going on for at least 1 month, if not longer. I ALWAYS input the same information on my credit report to get access, including the confirmation numbers they give me, this is the latest one - XXXX. Tells me the same thing all the time, " The information does not match our records ''. Now, keep in mind, I am going by the credit report they send me with the confirmation number that has been PROVIDED by Equifax!
My Iberia Bank debit card was compromised by a criminal. I noticed fraudulent activity on my account, on XXXX/XXXX/16, with XXXX separate charges, all on the same day for a grand total of {$800.00} ( $ XXXX $ XXXX {$200.00}, and {$6.00} in transaction fees, {$2.00} for each withdrawal ). This is alarming, because I had my card with me the whole time, and never shared my card, or information with anyone. This means someone had illegally accessed my PIN, and had a device to make withdrawals at an ATM, that emulated my card. During the time of the fraudulent activity ( which took place in XXXX XXXX, XXXX, FL, approx 50 minutes away from where I live ), I was making purchases, and atm withdrawals in XXXX XXXX of residence. This proves that I was not present for the fraudulent charges in XXXX, FL. The bank has since denied my claim, and has left me as a small business owner ( self employed ) to fit the bill, for their ineptitude of keeping my account secure from criminals.
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc.
This data breach has resulted in [ 2 ] fraud transactions, one from XXXX XXXX ; both have been handled by my credit union 's fraud department resulting in emotional duress and time loss. 
As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. 
Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a unsecured website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. 
This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
When the CFPB check my previous and past complaints filed against Sallie Mae and the XXXX XXXX XXXX Agency, the information I recently received from a Company calling itself a XXXX XXXX has completely ignored any of the violations, False reporting, fraud, tampering and accounting issues that I was subjected to from these student loan companies. This company calling itself XXXX XXXX, XXXX. sends out letter after letter requesting full payment of XXXX with a statement " You don't have to break the bank to pay back your student loan. '' My case remains open with Sallie Mae and I haven't received any updates from Sallie Mae since XX/XX/XXXX regarding looking into my payment history dating back to XXXX. I have only been informed that the company was still investigating it. I had also requested to be reimbursed for payments that I had made towards a student loan that had been altered/modified by multiple student loan servicing agencies targeting Low Income/Minority students in XXXX California in the Mid XXXX through the early XXXX. My Hardship Chapter XXXX Bankruptcy was ignored, my Medical XXXX in the late XXXX was rejected and the manipulation, threats, harassment, obscenity and alarming my Employer about this student loan continued for years. This notice for payment is only a continuation of the abuse.
I would like delete the debt in my credit report because the debt was paid in agreements by {$700.00}.
XXXX Bank alleged my Business Account was found on a known cyber criminals XXXX XXXX, so they closed the account and report to chexsystems under my personal social security number instead of the business XXXX " suspected fraud activity ''
I submitted numerous disputes with XXXX, Transunion, and XXXX  with account : XXXX XXXX, XXXX XXXX. Disputes keep coming back saying that they have " VERIFIED '' account. XXXX XXXX States it's an installment account. Account Date opened : Balance {$260.00} ; XX/XX/XXXX, High Balance XXXX ; Not reported, / Original amount : Not Reported./ Recent Balance : Not Reported, / Comment. This item was updated from our processing of your dispute In XX/XX/XXXX Date of status XX/XX/XXXX. Now lets get to my Facts, I have received no proof that the account is in fact mine, no original consumer contract with my signature on it. I have received no signed paperwork by me showing I ever had an account with the original company. I have googled the original company and it says it's an internet company, I have never had an account with this company Fact, XXXX, Transunion, XXXX, and XXXX XXXX Have broken the LAW. Fact, none of the bureaus have verified this account and Failed to Provide Proof after many disputed requesting to show proof as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
My mortgage principle is currently at 77.9 % LTV and trying to terminate PMI with US Bank. Home was purchased XXXX/XXXX/14 and payments are up to date. Multiple attempts to contact US Bank to terminate PMI have not worked but local US Bank mortgage loan officers have stated it will be terminated. However PMI is still being included on my loan statements. 
Regards,
XXXX XXXX XXXX ( XXXX  ) shows me my FICO Score, which is XXXX and gives me a list of " Key factors affecting your FICO Score. '' One of the factors listed is " Too many accounts with balances, '' but I only have one credit card  account. I was told on the XXXX site that " if [ I ] find inaccurate information that may have affected [ my ] score, [ I ] can dispute [ my ] TransUnion credit report at www.transunion.com or call TransUnion at XXXX. '' I called TransUnion and they verified I only have one XXXX  credit card account, and therefore the FICO factor affecting my score must be erroneous. But they wouldn't tell me how to fix the problem and the customer servicer representative wouldn't allow me to speak to a manager. They said they would include a consumer complaint note in my file and that maybe someone could fix it, but that they weren't authorized to change my score, which didn't make sense. They also told me the problem was with XXXX, but XXXX says the problem is with TransUnion. I also tried to find a way to contact FICO but couldn't find a way. 

How am I supposed to fix the problem? I don't want my credit score to be lower than it should be, and I don't know how to point out errors or to whom I am supposed to point out those errors, and I don't know who is responsible for fixing the problem.
The date opened and when the account for the original creditor ( XXXX ) went past due as reported by XXXX XXXX on my report needs to be corrected. They are reporting an open date of XXXX/XXXX/XXXX, which is incorrect. The records I have been able to find show the account possibly should show dates from XX/XX/XXXX or XX/XX/XXXX. 
I submitted a request through you to XXXX who has responded to me they completed their investigation and gave the result that the item was corrected/deleted. I can provide a copy of the letter dated XX/XX/XXXX from them if needed. 
Any help getting the correct dates for this debt corrected is appreciated.
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXXXX/XX/XXXX {$74000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$980.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$4000.00} XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX   XX/XX/XXXX {$7400.00} XXXX XXXX XXXX XX/XX/XXXX {$320.00}
I Hired a 3rd party company to assist me in the loan modification process cause my lender will not doing nothing to help me save my home. 
my file was submitted to my lender for mortgage assistance and this was the response from my lender to the 3rd party helping me INC CALL FROM XXXX AT LENDER OFFICE SHE STATED THAT THEY JUST FINISHED WITH AN EVALUATION FOR ASSISTANCE IN XX/XX/2018 AND WAS DENIED BECAUSE THERE IS NO SIGNAFICANT CHANGE IN HIS INCOME THEREFOR HE DOES NOT QUALIFY FOR A RESTRUCTURE THE ONLY THING HE CAN DO IS REINSTATE THE LOAN OR DO A SHORT SALE - XXXX XXXX ( XX/XX/2018 XXXX XXXX - PST ) so you know there has been a change in more then just one thing in my situation and cause I think it was not substantial to the lender to say, there is not any significant change. XXXX XXXX   sent in a appeals for this to the lender and they still denied me for any assistance, I told them that I would take a higher payment cause I can afford that now as my situation has changed. I even offered them a large down payment as well, and they still denied the process.
I have written to this collection agency numerous times disputing the validity of the debt and requesting proof of validity of the debt. They have never responded with any type of proof. The statute of limitations are passed. The company continues collections practices even though they received the dispute in writing several times.
I have sent XXXX different letters requesting validation, proof that they sent me a Dunning Letter ( which I did n't receive ) and a thorough breakdown of their protocols to remain HIPAA compliant. I 've received nothing. Any money I could have owed should have been paid by my insurance.
I 've sent numerous request to this company via certified mail requesting proper validation for a debt that they claim I owe them. Each time the company has ignored my request for validation and sent me a summary of a bill. I have with the company that the FTC opinion letter on itemized bill. However, they have yet to provide me with any documentation showing that I have any type of agreement between me and the company. Furthermore, when I first contacted this company with my dispute, they failed to mark it disputed with the credit bureaus with the allotted 30 days as required by the FCRA & FDCPA. After doing research with the court systems on this company in my state, which is Texas, I found that this company have had many complaints filed against them, and have bought suits against many consumers without having a " consumer agreement '' stating that money is owed to them by the consumer. I have also requested a copy of such agreement from this company, and I have been ignored. I am not obliged to pay a debt buyer who ca n't validate a debt properly or fail to communicate properly. This company is known for using bullying tactics on consumers in order to scare them into paying a debt that they do n't owe to them. I am attaching copies of my correspondence with them, and their response that they have continued to send me. Please be advised that the copy of their response that you are receiving is what they have continued to send to me ignoring my request for other information.
I started a personal loan with Avant on  XXXX / XXXX / XXXX  with Monthly payments of {$500.00}. On  XXXX / XXXX / XXXX  I contact avant and let them know I have had a loss in income and large amounts of medical bills and I was given a payment plan to reduce my monthly payment to {$370.00}. I was informed that there was a grace period of 10 days with meant my payments are due on the  XXXX  of each month. On  XXXX / XXXX / XXXX  I made an online ACH payment but since it was the weekend I was told they are considering my payment late and removed me from the agreed payment plan. I was never instructed that weekends do not count as payment dates and now I am told that I do not qualify for any payment agreements and its my fault that I defaulted on the payment plan. They now are showing that my payment is past due that will potentially jeopardize my credit rating. They are also saying I have to come up with {$500.00} in 7 days and then {$500.00} for the remainder of the loan terms.
I made an additional payment to principal on XX/XX/2018, to XXXX XXXX who was my loan servicer at the time. The payment initially had posted properly ; however, on XX/XX/XXXX, I noticed that XXXX XXXX had processed a reversal of my additional principal payment on XX/XX/2018, without notification or explanation to me. By this time, my loan had been transferred to Amerihome,  which I received notification of on XX/XX/XXXX. At the time of XX/XX/XXXX, my principal payment from XX/XX/XXXX had not been credited to me at all, despite the money being withdrawn from my checking account since XX/XX/XXXX. After several calls and elevating to the level of supervisor, my payment was finally posted on XX/XX/XXXX. However, I have contacted customer service several times since XX/XX/XXXX to have my payment properly backdated to XX/XX/XXXX when it was made and Amerihome refuses. I have supporting documentation from XXXX XXXX and my checking account to show that that payment was made on XX/XX/2018, and not XX/XX/2018.
XXXX XXXX Navient took over my student loan account from XXXX. My payment plan was XXXX dollars, when moved to Navient they state it 's XXXX dollars per month. They stated that my last plan with the XXXX expired. I never received any notice to this expiration. When explaining to Navient that I see options on the federal student aid site for XXXX /mo for XXXX months they say that while they are aligned with the federal government some options are not available with Navient. This is very confusing, and I believe that they are mishandling my account
Refusal to adequately investigate information in my credit report. They are refusing to remove incorrect and invalid information in my credit report by refusing to even investigate the information. Experian Has made it impossible to have errors in my credit report fixed properly.