WillisBack/dataset-financial-user-claim huggingface dataset:
I have requested a method of validation on an account multiple times since XX/XX/2016 for my account from this debt collector. The account is from the debt collection " XXXX XXXX XXXX ''. Every single time they have never responded or sent me any information about the account because I know that they truly dont have any and cant validate it. The account was for a hospital bill which was invalid because I actually declined services from the hospital and I did not sign any paperwork nor receive any treatment from them. I asked all XXXX credit bureaus to verify with XXXX XXXX so that it could be removed from my account due to being invalid from non-validation. Well I have made multiple requests to the credit bureaus Transunion, XXXX, and XXXX and that will not delete this report even though XXXX will not send me any proof of validation! I should not even have had this on my credit report to begin with. I want it resolved as soon as possible. And please dont come on here saying that you all called, or that you sent me a letter in the mail on some previous date because thats a lie and I never received anything from you and I have been receiving my mail from the other creditors and the XXXX bureaus just fine. I asked Transunion over 3 times to provide me with proof of validation of this account or some paperwork before saying its accurate and that paperwork was never provided. I am inclined to believe that they never truly investigated it to begin with. Also my name is XXXX XXXX but they have it listed as XXXX XXXX and I have told them that information is incorrect multiple times and have even sent them the proof of identity each time they request it and they always reject it even though I send them the EXACT things they keep asking for. It is a really painful disgusting process.
The principal on this debt was paid directly to original creditor  Speedy Cash. Balance represents interest and is three times the amount of t he loan.     It is illegal to report pay day loans to credit bureaus in Texas.      XXXX   XXXX  ignored by request to find out if they are licensed to collect in Texas.      XXXX   XXXX  said they have new information on me that confirms the debt, but did not provide me with that information.
I was with Navient for my student loan servicing for many years. I would be asked to document my income every year and complain about the amount of my payments. I was offered and took a forebearance on many occasions and for extended periods of time as my principle balance increased and almost doubled what I actually borrowed. When documenting my income I always checked the block asking for the lowest possible payment. My loans were transferred to XXXX to take advantage of the PSLF program. During discussions with an agent she suggested a different repayment plan which would considerably reduce my payments. I asked her why when I was with Navient, if I always asked for the lowest payment when verifying my income, why would n't I already be in that plan. She explained there had been problems with Navient in regards to these types of issues. Having recently completed the change to the new plan my payment was reduced by approximately 40 %. I submitted a complaint to Federal Student Aid and recieved a letter fromNavient denying any wrong doing. I feel Navient has cost me thousands of dollars over the years.
XXXX unethically used my personal information to apply for a loan with Citizens Bank. I did not authorize the credit inquiry and upon recognizing it, I immediately canceled my relationship with XXXX. 

There is no documentation that exists that would prove me wrong! 

Upon contacting Citizens Bank, they acknowledged the loan application that I supposedly authorized, and supporting documentation, but they blatantly refused to provide me with the said documentation. XXXX also refused to furnish the said signed documentation. 

Please help me clear the credit inquiry from my profile, and please mitigate the risk involved in both XXXX and Citizens Bank Credit processes!
I received a response from Equifax saying I may have been a victim of fraud. The date of the notice is X/XX/2017. I 'm making an attempt to upload a copy of my drivers license and social security card with my maiden name. I 'll try to send a copy of my marriage license, check stub. Each time I mail them information it 's lost or thrown away. I 've sent them this information several times, prior to contacting XXXX. I took a picture of my drivers license. It uploaded, it also showed removed. I do n't know what that mean. There was a number in the upload file.
I have sent several disputes letters asking this credit bureau to provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.

I have only received letters stating that the account have been " Verified '' I have also asked for a description of the verification methods and the names and phone numbers of the persons who supposedly verified the account. I have never received such information.

These are the accounts that I'm disputing and for which the credit bureau have not provided a satisfactory resolution per the FCRA. 

*XXXX XXXX XXXX XXXX XXXX Acc # XXXX *XXXX  XXXX XXXX XXXX Acc # XXXX *XXXX XXXX   XXXX , XXXX Acc # XXXX  *XXXX XXXX XXXX Acc # XXXX
As promised I paid the settlement amount and they did not uphold their part which was to delete it from my credit reports
The following information was taken by me ( XXXX XXXX XXXX ) : 1. Bank of America sent me a Reinstatement Calculation stating my loan was in foreclosure on XX/XX/XXXX requesting that I pay XXXX by XX/XX/XXXX. 

2. My action - I submitted a cashier 's check via XXXX XXXX  on XX/XX/XXXX in the amount of XXXX with a return receipt. I called on XX/XX/XXXX and XX/XX/XXXX, and I was assured my loan was caught up to date and would not go into foreclosure status. 

3. Bank of America served me foreclosure notice on Wednesday, XX/XX/XXXX and now my records of foreclosure are public and I am a XXXX Employee. 

4. My action - I contacted Bank of America for a fax to my employer to state that my bill was paid up to date. As of XX/XX/XXXX, I still have not received the fax after speaking to 4 customer service representatives with a call log of 2.75 hours attempting to get this issue resolved. To date, my information will be posted public and not to mention the humiliation I suffered and am still suffering at work. No FAX as of yet ( XX/XX/XXXX ) 5. An apology from the company.
My Capital One credit card ending in XXXX shows an available balance of {$84.00}. It was over the limit recently, but I made XXXX {$70.00} payments and had XXXX {$35.00} late fees waived. 

I can not use the card however. Capital One says it is past due and over the limit. Yet it shows {$84.00} in credit and no payment due. 

Also, I do n't understand how I only have {$84.00} in credit available, when I made {$140.00} in payments and had {$70.00} in late fees waived. 

I 've used the Capital One online chat service twice and can not get a satisfactory answer.
I am requesting that Transunion immediately remove XXXX XXXX from my credit report. Please see the attached report from the Federal Trade Commission, and the letter I have sent to XXXX XXXX.
I spoke with navient about fixing my loans so i can go back to school. The payment plan they suggested was outrageous and unsatisfactory to me i explained that at the moment i was unemployed also and to no avail they would not lower my rates so i can get out of deferment.
I previously filed a complaint against Mountainland Collections for reporting on my credit report because they never notified me. Their response was that they sent a notice and it came back. SO obviously they didn't have the correct info and I NEVER received a notice. They reported to my credit without contacting me and they need to delete them. 

I took care of the erroneous debts that were paid by insurance already and they need to be removed. For 1. they were not valid. 2. I never got a notice.
FinancialreturnedThis is my 3rd complaint against this particular Collection Agency. First, the Collection Agency called my personal cell phone about the debt and threatened to ruin my credit if I did n't agree to attempt to resolve the debt, even though I denied the debt being mine. Secondly, the Collection Agency did not send me a Dunning Letter the required 5 days after contacting me by phone, but placed the collection on my credit files, which is in fact a violation of FDCPA. Only after I disputed the validity of the collection, did the Collection Agency attempt to " Partially '' validate the debt. I disputed the validity of the debt a second time and the Collection Agency attempted to " Partially '' validate the debt, sending paperwork duplicate to their first response. The Collection Agency also stated in their letter that they would simply refuse to validate this debt any further. I attempted on a third occasion to have the Collection Agency validate the debt in its entirety by sending them a Validation Letter by CERTIFIED Mail, Tracking No. XXXX, by which the mail was returned to me stating that it was not deliverable and unable to forward. Yet, I sent this Certified Mail to the address on the Collection Agencies Letterhead. The Collection Agency, being Financial Management Solutions has also REPEATEDLY placed Documented ( HARD PULL ) Inquiries, one of which FALSELY STATES that I 've recently applied for credit for an Installment Loan, on my Credit File which negatively affects my Credit Score, which is exactly what Financial Management Solutions explained that they would do. The Collection Agency also continued to Negatively report to the Credit Bureaus while the debt in question was under dispute. Financial Management Solutions, continues to report negatively on my credit files, even though they have stated that they are No Longer handling this particular collection.
I had to get a payday loan and got it from Advance Financial. I was n't told about the high interest rates and they claim they do line of credit but when I ask about it they said I did n't qualify. The amount kept getting higher and higher until it was out of control. Every month I get a email from them and they have tried to access my old bank account and stating they will do it again next month.XXXX
I received an offer from Citibank to open a new Citigold bank account in XXXX XXXX, which promised XXXX XXXX XXXX miles in exchange for making two ( 2 ) bill payments in consecutive months and for spending {$1000.00} on my debit card. 

I met these requirements in XXXX XXXX and received a confirmation message on XXXX/XXXX/XXXX ( see attachment titled " Citigold Account Bonus Confirmation '' ) that the XXXX AA miles would post to my account on XXXX/XXXX/XXXX. I then patiently waited and paid the monthly fees associated with the account. 

On XXXX/XXXX/XXXX, I checked in to be sure the miles would be posted as promised, I received a letter incorrectly claiming that no bonus was tied to my account ( see attachment titled " Citibank Letter 1 '' ). The promised XXXX/XXXX/XXXX date came and passed. 

After opening a series of investigations with Citi, they have repeatedly denied giving the me bonus that I am due in association with this account ( see one such denial in attachment titled " Citibank Letter 2 '' ). I have since read many, many accounts online of this same scenario happening with many, many other Citibank customers. Citi is likely counting on these customers not fighting back on this, but it is time someone like me takes a stand on this. 

Citibank is systematically and fraudulently baiting consumers into signing up for Citigold accounts with the promise of this bonus, only to pull the rug out from under its customers at the last minute after collecting their fees. This is wrong and completely unethical.
I signed a contract in XXXX/2011 for the purchase of vehicle in the amount of XXXX with the term of 72 months with Santander Consumer. I have paid 62 months and only have 10 more payments of XXXX totaling XXXX the finance fee was already added to the contract. My vehicle was totaled and called santader for a payoff quote they stated it is still XXXX the man I spoke to stated they charge {$6.00} per day interest fee on top of contract interest fee. how is that possible or even legal. You would think the amount would be less because the insurance company is paying them off 10 months early. Please help Thank you, XXXX
Our payments are due on the XXXX of each month. In XXXX the XXXX fell on a Sunday and Monday was a federal holiday ( XXXX XXXX ) so our payment was not posted until the XXXX. When we realized we were being charged a late fee of {$38.00} we spoke to the credit card company Synchrony Financial Care Credit and we were told the XXXX would be waived. So when we made our payment for XXXX, we made the regular amount of XXXX instead of the statement amount due which included the XXXX because we were told it had been waived. When we received our XXXX Statement the previous balance from XXXX was listed as XXXX which is what was listed on the XXXX Statement as new balance. However the new minimum payment for XXXX is now {$110.00} plus they added another late fee of XXXX which now makes out minimal payment for XXXX {$150.00}. Down in the transaction summary it does show they showed refund of the late fee on XX/XX/XXXX, but it does not reflect in their numbers. When I called I was told I had to pay the minimum payment of {$110.00} for the payments to go back to the original amount of XXXX. When I asked why I was told the statement has already been billed. I should not be required to pay the additional amount on the XXXX bill. If I pay the {$110.00} the next month the minimum would go back to its regular amount. But this is not fair to me I'm still being billed a fee in excess of the regular payment.
They call my number and does not state who the debt is for. The company is XXXX. To collect a debt is for XXXX. I don't owe any debt.
AFNI Inc is reporting a collection account as TYPE = OPENThis makes it appear as a open tradeline artificially dragging my credit score down. Collection agencies are only allowed to report as TYPE = COLLECTIONThis has been going on for years and I have disputed it several times. The data is accurate on my XXXX and XXXX reports. This complaint is against AFNI and XXXX 

Today XXXX employee XXXX employee # XXXX told me that the collection agency has the option to report this and even if inaccurate they can not do anything about it, and would not file a dispute.
Portfolio Recovery Associates, LLC and XXXX XXXX XXXX are trying to bill me with accrued interests and fees for a debt over 7 years and already written off by the bank and off my credit report per FCRA, and ECOA ( regulation B ). 

The last time they tried to bill me in XX/XX/2017, I filed a police report for fraud because someone had stolen my Drivers License, Social Security and checks from a house I rented at the address where the account was opened.

They took the account of my credit bureau and off my person now almost 2 years later I get this bill from Portfolio Re covery Associates, LLC with a bill from XXXX XXXX XXXX for an account over 7 years old, off my person and off credit report per FCRA & ECOA and already reported as fraud and taken off by the bank.
I opened a checking and savings account with a promotional offer to get {$400.00} within 90 days of meeting the requirements ( having {$15000.00} deposited for 60 days ). I contacted them on XX/XX/XXXX once 90 days passed and they did bonus would post that day. On XX/XX/XXXX they aknowledge they problem and created a case number. They said I would receive a letter in 7-10 days. I never received a letter. I called again today XX/XX/2019 and was  told that 90 days from XX/XX/XXXX would be XX/XX/XXXX and the bonus would be awarded then. Thats 120 days and another lie from them. When asking to speak to a supervisor I was told you can if you can wait long enough.
A tenant filed a small claim against me. Because I had all my personal property packed, I did not and could not win my case. I paid my fine at the time of the decision. I am XXXX and when I learned I had an outstanding bill for court costs I paid it. The clerk said the judge would have told me when I was in court. Had the judge told me in a manner I could understand, I would have paid the entire thing at the court house, since I now live nearly XXXX hours away. So the tenant filed something against me, when I refused to go on Judge XXXX, from whom I receive mail and a call. The tenant said we could go and they could win again but, I would get a free trip to California. Anyway, I have paid this entire thing in full and would like it closed on my account please. Thank you.
It has been a nightmare dealing with Ocwen Loan Servicing for over 8 years for a possible loan modification. Ocwen Loan Servicing has denied my request for a loan modification incorrectly over 35 times by providing the deceptive response indicating that there is a problem with the title to the property that has nothing to do with the owner to the property but Ocwen Loan Servicing lien against the property that is considered to be invalid and void. Moreover ; Ocwen collected over {$80000.00} as a monthly Trial Period with the promise of finalizing a predominate loan modification and this is while the property was in an active foreclosure. Which is considered to be unlawful. 
There have been several correspondences from the Ocwen Loan Servicing attorney confirming the issue with the invalid lien. On  XX/XX/XXXX, XXXX XXXX XXXX the attorney representing Ocwen Loan Servicing in an email correspondence to my attorney indicated : The modification offered to XXXX XXXX is contingent on clear title to the property. Upon investigating the title report, we discovered that there is a {$290000.00} outstanding lien on this property from XX/XX/XXXX that was never released. I have attached a copy of the deed of trust evidencing this lien. The implementation of the modification is being held up due to this cloud on title, but we are working with the title company to try and resolve this matter. To be clear, the modification has not been declined but is instead pending clear title. While we continue to work on the title matter, would you please check with your client in case they have any documentation showing that this lien was paid off? Not sure if this attorney has any understanding that, as a homeowner, I would not have copies of the documents related to prior owners loan and release of lien. 
Currently my home in a foreclosure with a foreclosure sale date scheduled for XX/XX/XXXX. Regretfully ; Ocwen Loan Servicing the Debt Collector, Servicer is ignoring the California State Law! Ocwen Loan Servicing is obligated to postpone the foreclosure sale date that is scheduled for XX/XX/XXXX. Not sure how you can pursue the foreclosure sale when the debt collector Ocwen Loan Servicing does not have a valid lien against the subject property. We reserve the right to take legal action against Ocwen Loan Servicing for this type of illegal business practice, VIOLATION OF THE HOMEOWNER BILL OF RIGHTS and UNFAIR BUSINESS PRACTICES CAL. BUS. & PROF. CODE 17200
I applied for a loan from big picture loan company and they only gave me XXXX now asking back double the money than what I got and their fees and rates are too high.
I have tried multiple times to have this dispute resolved. I have disputed the Bankruptcy that is showing on my report and the Bankruptcy still remains. I would like for Credit Reporting Agency to provide their method of verification on this. I have already spoken with the court that is listed on the Credit Report and they deny supplying information to the Credit Reporting Agency as it relates to Bankruptcy. The Credit Reporting company claims to have received its information in speaking with someone at the Bankruptcy Court, but the letter attached proves this to be untrue. I have tried several times through this method and others to have the CRA provide me with their method of verification and they have failed to do so.
A woman called me on a blocked number. She told me she worked with XXXX and asked if I was who she was calling. She asked if I got a letter in the mail and tried verifying my address. I asked what company she was calling from and she said bennick and rainey. After she continued to ask questions and I asked what kind of company it was and she told me she worked with urgent care. After I refused to answer questions she told me she was a debt collector and any information obtained would be used to collect a debt. After I told her the urgent care billed my insurance wrong she asked for my insurance information and I would n't give t and she hung up.
After sending information to verify myself with my disputes ( XX/XX/2018 ), XXXX, Experian, & XXXX have not investigated or responded to disputes of my credit report.
I demanded that the following account be removed from my credit report : XXXX  , XXXX Account # XXXX
On XXXX XXXX, 2016, I placed my payment in full for my Perkins loan through ECSI. My grace period was ending on XXXX XXXX, 2016 and so I set it to pay on XXXX XXXX, 2016 ( interest would begin accruing on XXXX XXXX, 2016 ). I received a DirectPay confirmation on XXXX XXXX when I had placed my payment for the loan. On XXXX XXXX, 2016, my payment never went through. On XXXX XXXX, I contacted ECSI as I wanted a resolution as to why they had n't processed my payment yet. I never received a response ( but had been told through the system that I would hear back soon ). Interest accrued on XXXX XXXX. On XXXX XXXX, I tried contacting them again. Again, no response. Again on XXXX XXXX. Again, no response. I finally got a hold of someone on XXXX XXXX and they told me that nothing could be done. They told me it was my fault for not contacting them ( which I had ) and that I had n't processed the payment ( I had ). They told me they had deleted my payment ( for no reason? ) and that I had to pay the interest as well as interest that was set to accrue.