WillisBack/dataset-financial-user-claim huggingface dataset:
Western Shamrock has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I setup an income based repayment plan in XXXX. 2017 reducing my monthly payments from {$540.00} to {$120.00}. This made paying my student loans more convenient based on my earnings. 

Three months later, i find that the payments i have been making on this account has only been going to interest payments. I called XXXX and they informed me that the monthly payments always get applied to interest payments first. I graduated with a degree in XXXX XXXX XXXX and i work with amortization and interest capitalization schedules on a daily basis. I have an in depth understanding of how loans work and i am displeased with the deceptive practices by XXXX. 

My issue with XXXX is that they did not provide adequate information to the consumer of the loan when offering to lower their monthly payments. Their pitch to the customer is that you can qualify for reduced income based repayment plans and it will reduce the financial burden of your student loans. I was only provided with the reduced payment amount and nothing else. I was not given any information on how the payments would affect my loan nor was i given an amortization schedule for the new loan payments. 

Customers who qualify for reduced loan payments would gladly choose to have somewhat higher payment amounts if they find out that the reduced payment amount would not be affecting the balance on the loan. Essentially, the income based repayment is just a way for the loan company to make more money in the form of interest payments while the consumer gets no real debt relief. Once the loan gets recapitalized, the customer goes back to square one with respect to the balance of the loan. 

I am a firm believer in personal responsibility and for consumers taking responsibility for their decisions. However, this practice is deceitful and is harmful to student loan borrowers who are already saddled with large amounts of debt. Customers should be provided with new loan terms whenever adjustments are made to existing loans in order for them to make better decisions.
On XX/XX/XXXX I applied for a Lowes Credit Card online via Synchrony Financial. On XX/XX/XXXX and XX/XX/XXXX I made several purchases. On XX/XX/XXXX I was apparently charged a Card Security Fee of {$24.00}. 

I noticed this card security fee on XX/XX/XXXX when I setup my online account. I immediately requested this be cancelled and refunded using their live chat system. They processed it but are asking me to wait 2 billing cycles for these changes to reflect. 

It is unfair that I have to pay up front for something that I did not sign-up for. It was my responsibility to get it corrected. And, it is still my responsibility to keep following up to ensure that everything is refunded to me. If I choose not to use the card, it may take up to 6mo for my money to be returned to me in a check. 

I am lucky that I noticed this immediately. A less savvy user could easily end up paying $ 100s of dollars to these crooks annually. This is definitely an overreach that needs to be investigated.
During the Month of XX/XX/XXXX, I made a request for a goodwill adjustment of my credit. I've continued my account for the past 8-10 years with only one payment past due during either XXXX XX/XX/XXXX My request for a Goodwill adjustment was denied. I always acted reasonably with my account. My wifeXX/XX/XXXX onXX/XX/XXXX, at which time I inadvertently missed a payment. I have been and is still current on this account since my inadvertent error. I simply think this creditor is being unreasonable in this instance due to my long credit history with them which proves my creditworthiness.
I opened a new checking account with BBVA Compass Bank and took out a personal unsecured loan for {$4000.00} at the same time. The bank was offering a promotional incentive of {$150.00} when taking the loan offer plus a ACH deposit into the checking account Since I receive Social Security monthly as a ACH deposit into a bank account of my choice. 
On XX/XX/XXXX I received {$50.00} for the monthly ACH deposit into the checking account. However, the loan which was to pay {$100.00} for taking out the loan at the same time as the checking account has not yet been deposited into the checking account as of XX/XX/062018. 
I spoke with a manager who said she would look into it. There has been no action taken on this matter.
The payment was made with the agreement the collection was to be deleted with payment. Instead, the item was only updated to paid in full. I am requesting to please removed from the credit profile.
I opened an Citibank package for XXXX $ opening bonus. The account was deposited with XXXX $ on XX/XX/18. By the term I should received bonus before XX/XX/18, but I ask Citibank chat service and nothing happened yet.
I have a savings and checking account with Wells Fargo. Over the course of 2 to 3 years I have paid my XXXX XXXX statement with my debit card from said bank. 

When I pay the $ XXXX amount, that is withdrawn from my bank and my checking account balance reflects this. One or two days will pass and the $ XXXX will appear back in my account, but not as a deposit. Instead, it will appear as if the money was never withdrawn in the first place. This shows an inaccurate balance on my checking account and thus leads to overdraft fees. This would not normally be an issue, but the amount in question will not show as cleared on the final date days later ; it will actually show as if it cleared the very first day. 

During the most recent instance, Wells Fargo Bank has charged XXXX overdraft fees of {$35.00} each for a total of {$70.00}. These fees were not for debit card transactions, but rather for transfers within my own account.
The company MEDICAL & PROFESSIONAL COLLECTION SERVICES, INC has a collection claim for the amount of {$1400.00} on my XXXX credit report. I visited Indiana 's Secretary of State website to verify the company and while attempting to verify the company I noticed that the company 's license to conduct business in the state of Indiana has expired on XXXX/XXXX/XXXX and as of XXXX/XXXX/XXXX this collection agency is not currently licensed to do business.
I received a call in XXXX wanting to verify my information for a loan that was attempted or done using my personal information. I said I did not apply for a loan and not to approve it. I filed a report with the local police department, contacted the credit agencies, sent a letter to the company via USPS and then again via XXXX and have not received any response to my letters.
Hack on Equifax is ridiculous, they should have never stored that much personal information in plaintext. There needs to be repercussions.
Disputed this account several times it is reporting twice on all three of my reports. XXXX & XXXX. Same account. The original creditor is XXXX, and was sold to XXXX XXXX. Only XXXX is suppose to be reporting on my credit file. Instead of XXXX deleting the item. They just went from opened to closed on my report. The account been charged off since XX/XX/XXXX. And it was still updating on my report. The last update was XX/XX/XXXX. XXXX XXXX is reporting XX/XX/XXXX. I believe this is when the account was transferred to their office. Incorrect reporting. It is reporting on all XXXX credit bureaus
I have sent a letter to Convergent Outsourcing because I want to settle my outstanding debt. However, I have not heard from them. I would like to settle for at least half of the balance outstanding and have the collection remove from my credit report. Please assist me. I am trying to do the right thing.
XXXX Complaint Trans Union I have ask Trans Union to delete accounts that some one otherthan my self used they did not my experience has been frustrated with them letter afterletter XXXX XXXX customer services run by foreigners. 
This is been going on for some time next step hire attorney I fell my rights have been violatedunder FTC laws keep sending the same credit report XXXX times not one account taken offfrustrated.
Actually this is regarding their refusing to discuss the XXXX XXXX XXXX XXXX option with me for my debt. I am currently unemployed and wanted to discuss the option. They said I was required to provide them with my husbands income and payroll statements before they would discuss rehabilitation of MY debt. This is not my husbands debt, but mine, and therefore he is not liable for it. His income or lack thereof has no bearing on our conversations, only my income is pertinent. In addition, they wanted other family members information, specifically asking for my inlaws phone and address with regards to my debt. 
Account Control Technology is what the collections agency for my student loans identified themselves as. Their phone XXXX. The rep name : XXXX ( would n't give last name ).
I have been paying on this medical debt from XXXX for XXXX XXXX operations. 

XXXX turn the amount owed over to Professional Service Bureau XXXX MN XXXX, Phone XXXX 

PSB states they will keep calling even though i am making the monthly payments on time How can it stop this PSB not happy with the amount of payment
It has been reported to the credit bureau which should n't be, because I had insurance at the time with XXXX and XXXX XXXX XXXX XXXX.
I qualified for loan forgiveness for fraudulent private school loans offered by XXXX University by Genesis Student Lending. I was not notified that loan forgiveness and refunds for payments made was being offered or even of issue ( a pending suit in 2015 ).
I have contacted Equifax and XXXX to remove unauthorized inquiries on numerous occasions, with the most recent time being XXXX/XXXX/XXXX. Both companies refuse to remove or even investigate the inquiries. I did not authorize the credit report inquiries for the following companies and I wish to have them removed as a hard inquiry on my record. I have attempted to contact those companies I could locate phone numbers for online but have been unsuccessful in reaching someone to help with this issue. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX M XXXX XXXX/XXXX/XXXX Equifax : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
This complaint replaces complaint XXXX. It is not a duplicate. I needed to give a more clear view of the transactions. These transactions were not authorized by me. Typically, I check my account every week. I did not do so as I typically would during these last few months. I receive e-statements online and not paper statements via email. However, I did not notice the transactions until I filed the dispute. Upon doing so, the card was cancelled and a new card was issued. I am not aware or recall any of these transactions being authorized by me. In addition, the dispute department failed to honor my dispute based on groundless claims such as log in attempts to my account coincides with transactions which is ridiculous. I log in to my account almost everyday whether I am making transactions or not. In addition, I informed the representative I kept my pin number on my card which could have made it easy for someone to use it whether I had my card in my possession or not.
The team had 3 weeks to investigate and decided to take me through the stress of waiting for a decision. A decision that could have been made in a few days at best. Why send me a new card to only reject my claim? I am upset about the way they do business and how a simple solution has turned into something complex. The money is not a lot of money to me and it is not worth the hassle Capital One is putting me through. I do not recall these transactions and unless they proved the transactions was made by me .... The dispute should have been honored and I should have been issued a refund. Period!
XXXX Bank continued to assess overdraft fees based on the improper reordering of debit card transactions from highest to lowest amount and to assess fees even at times when I would, but for the reordering, had sufficient funds in my account to cover all merchant requests for payment. 
" Illegal and unfair assessment of the account ''
CommonWealth Financial is falsely reporting on my credit reports in the amount of {$270.00} account # XXXX and its stopping me from obtaining credit. 

* Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?

* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

The Maxim of Law - Silence Equates to Acquiescence ( Agreement ) states that if you don't address even one item as requested, you agree that my statement of fact is true. It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing.
XXXX several occasion I have contacted Equifax Information Services LLC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request on many occasion that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Equifax is reporting XXXX XXXX XXXX credit cards, XXXX credit card, XXXX, XXXX XXXX XXXX, XXXX XXXX, and a Bankruptcy as negative items or deragatory items on my credit report. On several occasion I have disputed these allege item and although Equifax fail to provide me with require information that these allege debt are 100 percent accurate, Equifax still reports these negative information on my credit report. I have receive letters from XXXX stating that they cant provide me with validation on debt, I have letter recent as XXXX/XXXX/15. So if they are sending me these letters how is it that Equifax is stating that allege debt has been verified. Also I have received letters from XXXX stating that they cant validate the allege debt but this negative item is till being reported on my credit files. Equifax needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Equifax is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. Equifax never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. Equifax is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have 100 percent verifiable proof. Now Equifax continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on m y credit report.
I received a credit report dated XX/XX/XXXX. I disputed a bankruptcy on my Equifax Credit Report. I noticed that they did not add the sentence that this item was disputed by the consumer. As soon as I complained about the missing information on that dispute. Equifax sent me a new credit report backdated XX/XX/XXXX. On that report they backdated it with the up to date information. Showing that they had added the information in enough time. This backdated report had an up to date confirmation number. Equifax has committed fraud for changing information by backdating the Credit Report to show that they had put the information on the credit report in enough time. They also stated that they had an up date from XXXX XXXX, this also is incorrect. I opted out of there system in XX/XX/XXXX.
There was a fraudulent credit inquiry that I was made aware of in XX/XX/XXXX with CBNA Sears that happened on XX/XX/XXXX. I initially called Sears CBNA in XX/XX/XXXX when I conduct my annual credit report check and was made aware of the fraudulent activity, and was transferred around multiple times by different representatives getting the run around, I was told to mail my police report to the CBNA Sears office in South Dakota, and now they are asking for a account number that does not exist as the store card that was fraudulently applied for in my name was denied. I mailed out the letter and waited a few weeks for a response from Sears ; I received a letter from CBNA Sears XXXX XXXX XXXX XXXX XXXX, South Dakota XXXX on XX/XX/XXXX, the letter stated that since I did not have a account number they could not process my request to have the hard inquiry for a Sears Store Card removed from all of my credit reports. I sent them a police report stating I was a victim of identity theft and they are not handling the situation at all. I want the fraudulent credit inquiries removed from my credit report on all three credit bureaus. 

Thank You
upon investigating the issue with XXXX XXXX, I discovered that the loan was brought by FED loan servicing around that time frame and was advised by the representative not to make a payment because they were buying the loan at that time. well now FED loans is giving me a hard time about getting this information which could clear this issue on my credit report. I need them to get me that information.
XXXX XXXX XXXX has reported an account to credit reporting agency with wrong information. XXXX XXXX XXXX stated they submitted information to Experian and XXXX  to delete the collection account from my credit report. According to the reporting agencies, they stated they never received any information to delete. 

I have attached information from XXXX XXXX XXXX respond to CFPB that they had request this collection be deleted from my credit report. This error has caused a delay in closing on a home and financial hardship
I was in the HAMP modification starting XX/XX/XXXX. Part of the program involves the issuance of incentive payments to the borrower. XX/XX/XXXX, the department of treasury issued a new bonus incentive program for borrowers who had successfully remained in the program for 6 years. [ Treasury Supplemental Directive 15-01 provides that borrowers with GSE HAMP Loans are eligible to earn a {$5000.00} pay for performance incentive as of the sixth anniversary of the HAMP trial period plan effective date ( Sixth Anniversary Date ) ]. The servicers were required to notify borrowers of their eligibility for this bonus within 120 to 60 days of their anniversary date. The problem is that Greentree/Ditech sent me a letter dated XX/XX/XXXX that was received XX/XX/XXXX, less than 30 days before my anniversary date. Prior to the receipt of this letter, around XX/XX/XXXX, I had called Greentree/Ditech and asked them if their were any incentive payments due on my account. I was told " No ''. Based on that information I proceeded to close on a refinance that funded on XX/XX/XXXX. I 'm now being told that I 'm no longer eligible for the incentive bonus because of that refinance that could have been avoided if Greentree/Ditech had fulfilled their obligation to inform me of my rights in a timely fashion as was their duty.
I received a phone call today from a blocked number. They left a voicemail stating " Hello. This message is intended for a ( my name ). This is XXXX ( last name XXXX  ) contacting you about a scheduled delivery of legal documents that requires your signature. This is a courtesy call prior to legal documents being issued out to your home, residence, or place of employment. If you have any questions or concerns or need to reschedule a time of delivery you can contact the complaining party directly at XXXX Again, the number is XXXX. The case number is refer to case ID number ( then gave the number ). Thank you, you've officially been notified. '' I called the number they gave me and spoke to someone named XXXX. They said that I owe XXXX  for a payday loan from 2005 in the amount of {$570.00}. They had my maiden last name, the old address I lived at, and where I worked then. She told me that I had signed a contract saying that they had up to 15 years to come after the debt. She said I was being sued for the amount owed and for intentionally defrauding a financial institution. XXXX  sent me an email that just had the amount owed and the name of the lender. I called back and asked for a copy of the documents I had signed and proof from the company. She told me that it was evidence that XXXX  is using against me in a lawsuit so they can not send it to me. She transferred me to a supervisor who repeated what she said, adding that I would have to attend a hearing in order to receive the documentation. I asked if I was supposed to just pay a 13 year old debt with no proof that I owe it, and she said yes.
Received a letter in mail from XXXX in reference to a debt of {$760.00}. Letter indicates original creditor was Cascade Capitale which I have no knowledge of. This is causing me anxiety and fear my personal information is being shared with others which can cause identity theft. In no way this debt has been validated as mine and I request company to cease contact and delete information as to this may potentially affect my credit and/or use identity.
Hi, I am a victim of identity theft. Someone used my personal information and identity for fraudulent gain. I did not create the accounts or gained any services or goods from them. When I became aware I was a victim, I reported it to the police, FTC and credit bureaus ( XXXX, XXXX and XXXX XXXX ). Account Recovery Services is a fraudulent account and is being reported on my credit report. I notified them via certified dispute letter with a copy of my police report, FTC affidavit, identification, current mailing address and explained to them the debt was not mine and a result of identity theft. Account Recovery Service verified the fraudulent account with the credit bureaus and have not removed their reporting of the fraudulent account, ignoring my disputes. The debt is n't mine and is a result of identity theft.
Midland Credit Management Inc sent me a letter in the mail. They said that I owed money and I asked them for verification of debt. He said absolutely not. I need to contact the police and make a police report if I think that this is not my debt and then I have to mail in that I would like verification of debt and refused to give me any information. I do not think that this is my debt, and I believe that this is false because they will not provide me with verification of debt.