WillisBack/dataset-financial-user-claim huggingface dataset:
I recently reviewed my credit report and found an account that does not belong to me. 
XXXX XXXX XXXX is reporting a {$85.00} medical collection that states was open XX/XX/2017. I have no idea what this account is and have never entered into any agreement or contract with XXXX nor the unlisted original creditor. I contacted the company and they have failed to proved me any validation or signed contracts.
Communicated via certified letter to XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting their office ( and XXXX XXXX XXXX XXXX  law office ) provide debt verification and validation proving an alleged debt belongs to me. Portfolio Recovery and XXXX XXXX XXXX  have both threatened to take legal action against me. I have yet to receive any documentation from either company proving XXXX XXXX XXXX XXXX f/k/a XXXX XXXXy ( Account # XXXX  ) belonged to me.

XXXX XXXX XXXX XXXX failed to attach copies of any contract evidencing the alleged debt was signed by me and that did not attach copies of documents generated when the credit card was actually used. XXXX XXXX also failed to provide valid documentation proving and assignment or other writing evidencing transfer of ownership that the alleged debt was purchased.

Pursuant to the FDCPA and North Carolina General Statutes has not been honored so I am ready to file a class action lawsuit and countersuit of defamation of character and seek damages this invalidated debt has caused against my three credit files. Trying to intimidate me with legal recourse will not benefit your office in being able to validate this debt nor will it satisfy the FDCPA legal requirements and violated PPCA and N.C.G.S 58-70-90, N.C.G.S 58-70-150, and N.C.G.S 58-70-115.

I am aware of a pending lawsuit ( Case No. XXXX, XXXX XXXX XXXX XXXX v XXXX ) and I will now be inclined to file a law suit in parallel if Account XXXX is not removed from my credit files immediately.

OnXX/XX/XXXX received a Notice of Dismissal from XXXX XXXX XXXX which proves that some type of " legal '' actions was taken or tactic used to intimidate me in making payments on debt not substantiated.
I requested TransUnion to verify and send proof of verification of an charged off account that is reporting on my credit report back in  XXXX  of this year. My results ended in verified and meets FCRA requirements but I did not receive the paperwork or verification in which they used to verify this account. They also re-aged the account that was to fall off my report  XXXX  to stay on until   XXXX  , Reaging of an account is against FCRA requirements. Section  623 ( 5  ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.     I would like to have this account removed from my credit report as they have violated so many FCRA requirements of my credit report, I also would like a UPDATED credit report reflecting that the account has been removed.
I bought a car through XXXX XXXX XXXX in XXXX XXXX FL several years ago through credit acceptance. I have paid extra money plus regular payments charged per month. They have charged me extremely high interest and fees making difficult to pay loan off. I have called financing company to lower interest but no such luck. car loan is automatically taken out of bank account. I have never been late paying nor never missed a payment. In addition they have put non accurate information on credit report for amount paid. Since purchasing car XXXX XXXX went out of business. I think it should be illegal to charge so much interest and fees against people with low credit. I am XXXX veteran and feel there is no end in sight of ever paying off credit acceptance.
I am employed by XXXX and have been employed for 8 months. At the beginning of my employment I passed all the background screenings and have been employed for 8 months, all of a sudden I received an adverse action email from XXXX stating that my background check from their background company showed two outstanding XXXX. I questioned this with them because I have been employed 8 months and already passed the background. 
Upon dealing with Checkr, who is the company XXXX uses for these screenings, I did find out about two XXXX in XXXX XXXX AZ. Case # XXXX from XX/XX/1998. This is very old and was not accessed when I first applied so I do not understand why they can use this against me at this time and barr my employment. 
I have contacted the court and set-up a payment contract with them and they will be removing the XXXX but I am not sure if I will be getting my employment back. So I have a couple questions : Why is these XXXX not off my report due to length of time passed Why after 8 months of employment did they have the right to rerun my background and provide new information when I did not agree to any new background checks. 
I have provided Checkr with all the information that the court has provided me but they have not cleared this report, which the court said would be immediatley cleared asap and XXXX lifted when payment contract was started I want to make sure I am able to go back to work and I want to know if XXXX and Checkr are allowed to do this.
I had an Inquiry on my credit report from XXXX, So Icalled XXXX in XXXX Texas where this Inquiry came from. I spoke with XXXX different people they ran my SS # they also ran my last name and my phone number as well. I was told they have no knowledge of any of this so I reported it to equifax as fraudlaunt and they respond with this letter within a few hours claiming it was verified.
I paid off my Ford Credit loan early around XX/XX/2017. about a week or so later i got a letter with a check for {$8.00} saying I overpaid my paid in full contract. 
I got a couple of emails asking to take a survey and then a couple of emails asking for a call but not any reason to call. I assumed it was for feedback or to offer another loan. I did n't follow up as I am not interested. 
However, it appears that I put my account number in incorrectly and the payment did n't go thru. Unfortunately, I was never told this. The emails said nothing of this. 
They took the car yesterday and when I explained that i was n't aware it was not paid in full I was basically told that it was n't their problem.
National Credit System continues to ignore my request for debt validation. They have not responded and the items must be removed from my credit report of alleged debt of {$1100.00} ans {$520.00}. The information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit, I am now seeking Injunctive Relief through the courts. This is poor reporting practices of " obsolete, inaccurate, irrelevant, outdated, misidentifying, incomplete, incorrect, erroneous, and misleading '' information on my credit report. Defamation of character and willful injury
On XX/XX/2018, I applied for XXXX as I need XXXX XXXX. I was denied with XXXX saying the information provided to them by Transunion caused a denial. 
The inquiry on my report is XXXX. 

When I contacted Transunion, they had no reason for the negative rating. I reviewed my XXXX XXXX   account which shows Transunion dropped my score 22 pts saying high credit card balance. My balances are not high as I typically payoff the balances in full each month. I have no negative rated accounts whatsoever. I have reduced all major debts significantly ( mortgages, student loans, etc as I pay extra each month ). 

I need XXXX and financing.
I had a chapter XXXX bankruptcy discharged more than a year ago. Thereafter, I have been paying my mortgage via automatic debit monthly. It appears that there have been at least in XXXX and XXXX ( dates I can see online ) thousands of dollars in corporate advance fees charged. I see such fees as defined as processing fees on other website. What is the legal basis for these charges. I never received any communication from the bankruptcy court that such additional fees were authorized. The amounts vary widely {$300.00} here, {$800.00} there, in fact and law, how is a consumer supposed to know what they are paying. I am thinking my principal balance is being paid down when in actuality my months payments are being syphoned off for unknown costs. I want these fees refunded.
Subject : Dispute with XXXX XXXX XXXX on XX/XX/XXXX for XXXX water heater which is under 9 years warranty with 4 years in use Dear CFPB Agent : I would like to file a complaint against XXXX XXXX XXXX ( XXXX ) for not fixing my water heater correctly. On XX/XX/XXXX ( XXXX. ), I requested a service repair from XXXX to repair my XXXX water heater ( under 9 years warranty ) for no hot water. After 6 days, the XXXX service technician came to my house for the repair service on XX/XX/XXXX ( Wed, ). The service technician replaced a PC board. The water heater seemed to be working. The pilot light was on and the flame was on. I gave him {$180.00} by check ( Check # XXXX ) in full for the repair service. In the evening, we found out that we had no hot water again. I called XXXX again on the next day XX/XX/XXXX ( Thurs ) to fix the problem immediately because we had no hot water to use for a week already. We had paid the money on XX/XX/XXXX and the problem should have been fixed on the day the check made out. XXXX refused to come back. They rescheduled me on XX/XX/XXXX ( another 9 days ) and then XX/XX/XXXX ( another 5 days ). We could not have not hot water to take shower for two weeks. I told them to give me the full credit if XXXX could not fix the problem on XX/XX/XXXX so that I can buy a new water heater instead. XXXX put me in the circle to make several phone calls around without solving the problems. Therefore, I went to stopped the check payment to XXXX immediately and then replace the new heater heater immediately. I have been calling XXXX since then in an attempt to solve the issue. They are still putting me around the telephone circle without solving the problem. Now, XXXX had put me in the collection agent for collecting {$180.00} without fixing the water heater problem. I am now writing this letter requesting CFPB to help resolve this issue for me. Your time and effort will be greatly appreciated. I can be reached at XXXX XXXX ( H ) or XXXX XXXX ( C ). Sincerely, XXXX XXXX
Hello, I have been on Income Based Repayment for my federal loans since XXXX, and I decided to switch to the REPAYE program. On XXXX, my wife and I submitted an Income-Driven Repayment ( IDR ) Plan Request using the studentloans.gov website ( form OMB No. 1845-0102 ), which successfully obtained our XXXX federal income tax information and forwarded the request to my loan servicer, Navient. On XXXX, their representative acknowledged Navient 's XXXX receipt of this request after I inquired after its status. At that time, she requested 15 business days to process the form from the time of their receipt ( which would have been XXXX ). After hearing nothing regarding my submitted form by XXXX, I again inquired. A different representative replied on XXXX, stating " We are unable to switch plans until the IBR plan is terminated '', and that such a request MUST be made over the phone. On XXXX, I informed them that a signed, written authorization which precisely matched their instructions was already included in Section 6 of the submitted form ( OMB No. 1845-0102 ), and that I would submit a public complaint to the CFPB if they did not accept the official form. On XXXX, a third representative responded and persisted in refusing to process the XXXX request. It is now over 30 business days since the form was submitted, and this corporation has failed to act upon it. 

This private corporation ( Navient ) lacks the authority to arbitrarily ignore an officially approved form containing written, signed authorization for a process they are supposed to be facilitating on behalf of the Department of Education. Not only that, but they only communicate these arbitrary rules after one has submitted the legally proper form. Such blatant non-compliance is unacceptable. 

Also of note, upon my logging into their website, Navient is now are asking for reverification of my IBR plan by the end of XXXX, the time at which I would normally resubmit this exact form. That they refuse to use the submitted form despite its clear instructions is evidence that this private corporation is abusing its station and creating unnecessary paperwork for XXXX citizens. Such an act seems to be a violation of the Paperwork Reduction Act of XXXX. 

I will add that throughout this process, the individual representatives that have contacted me have been courteous and non-threatening, despite being unhelpful. 

Thank you very much for your time.
I have had a student loan since XXXX. XXXX XXXX sold it to Navient. Navient never informed me of options for forgiveness. I have worked for a government agency for over 20 years and would have been eligible. When I accidentally heard of a potential program, I asked Navient they first informed me there was no program. The second time I asked they informed me there was. By the time I could identify that I was eligible given my employment, my salary was too high to qualify. 

Currently in an effort to speed up my loans I arranged with Navient to ensure I was up to date and enrolled in autopay as per their suggestion. They informed me that by enrolling in autopay I would reduce interest rates. However, after about a year my interests rates have not reduced. They are now informing me that due to an insufficient account several years ago I am ineligible always to have any interest rates reduction. They lied to me again.
The homeowner 's house was damage as a result of the storm.
Her insurance Company came to appraised the damage and sent the check to SPS Mortgage Servicing Company on XX/XX/XXXX
The Homeowner hired a contractor to do the work and papers was filed with SPS by the contractor. The contractor was later dismissed because he was not certified and did not have the proper license. He did not do any work on the house.
The homeowner then hired a second contractor who was certified and licensed and the papers were filed with SPS.
SPS then required contractor # 1 to sign a paper stating that he is no longer the contractor on the job. He did not sign the paper nor will he cooperate with SPS.
The policy of SPS is when this situation occurs they will call the contractor 3 times once per week in the event the contractor does not respond they will forward the insurance check to the homeowner.
SPS has had the check in excess of {$7000.00} since XX/XX/XXXX. SPS made the first call to the contractor on XX/XX/XXXXand none after. On XX/XX/XXXXSPS stated that they did not make the second and third call to the contractor and therefore we have to start all over again. Everytime it rains the homeowner 's house is damage as a result.
This is a hardship to the homeowner because SPS has had the check sinceXX/XX/XXXX and is intentionally withholding the money from the homeowner so that she can complete the work.
I filed a complaint against Discover Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. XXXX and XXXX both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for it.
Hi, I applied for my credit card when the offer on the website showed specifically that I would get XXXX XXXX XXXX Miles after spending {$0.00}. The bank later started saying that the offer is for spending {$5000.00} and not {$0.00}. I have sent confirmation and also confirmed from several representatives and for 6 months, every month i am told it will be deposited next month but it never happens.
I received a notice of debt from California Business Bureau , Inc. about a bill that I partially paid and informed the clerk at XXXX that I was waiting on the second XXXX card less than 30 days ago. Having just returning from vacation on XX/XX/XXXX I received a letter dated XX/XX/XXXX. In the letter is states " If we do not hear from you within 48 hours from the date you receive this notice, we will assume that you do not intend to pay ''. This is a direct violation of FDCPA and further UDAAP causing a false sense of urgency, deceptive practices, and harassment. 

Engaging in behavior the natural consequence of which was to harass, oppress, or abuse the XXXX in connection with the collection of a debt ( 15 U.S.C. 1692d ) Using false, deceptive, or misleading representation or means in connection with the collection of a debt ( 15 U.S.C. 1692e ) Employing false and deceptive means to collect a debt ( 15 U.S.C. 1692e ( 10 ) ) Using unfair and unconscionable means to collect a debt ( 15 U.S.C. 1692f )
As previous dispute under complaint number XXXX XXXX on XX/XX/2018 has left me in total disbelief that a company that I have had no business with is claiming that I owe a balance of nearly {$6900.00}. Fair Collections & Outsourcing sent a package to me which they stated was the full validation that I owe this balance. This contract had no mention of their client XXXX XXXX and nowhere in it does it state that I have any obligation to them.They failed to provied me with any contract or signed agreement which enters this company and I into business that nor places me in ownership of this debt. 

Yes, Fair Collections & Outsourcing as you have stated in your response, I have made multiple identical requests in past for validation of this account and because you have failed to provide me with this validation I am now demanding it from your clients XXXX XXXX. Your Reasonable Investigation Notice states that you sent me verification on the XX/XX/XXXX and you stated that you found the account to be reported correctly and that you will continue to report it. You further state that the report date was XX/XX/XXXX which is correct. I also see it reported on my credit file accessed XX/XX/2018 thank you for your one truth but that does not impend me exercising my rights to all docmentation ; contracts or agreement that states that XXXX XXXX and I, XXXX XXXX XXXX have or have had a contract bound by law which makes me responsible for any debt presumed owed to XXXX XXXX. It is my right pursuant to the FDCPA to question the validity of this information you have yet to produce. I make this my last attempt to acquire validation and if it is not recieved I will take steps to file a small claims suit against XXXX XXXX AND FAIR COLLECTIONS & OUTSOURCING for damages due to willful non compliance and damages per violation. This entire matter has caused me stress and emotional distress which is reflecting on my health and I would gladen the opportunity to file a default of debt validation against this company who have failed to verify this debt. I have yet to see any documentation ; contracts or agreement between myself and XXXX XXXX.
I seek assistance for Loan Modification from CITIMORTGAGE XXXX XXXX. I complied all the needed documents as they required. It 's been several months since they kept telling me that my file is pending review with underwriting. Yesterday XXXX/XXXX/XXXX, I received a letter from CITI that they sold my loan to XXXX XXXX XXXX & it will be taking over starting XXXX/XXXX/XXXX. CITIMORTGAGE has not given me any response or decision on my Loan Modification & they 're doing this transition. Please help me resolve this. Thank you.
I am writing in regards to a collection account ( XXXX ) IN AMOUNT of {$280.00} that has been placed on my credit report by this CA that I HAVE NO knowledge of. There is no signed contract between this company and I and demand it to be removed immediately. It is also a HIPPA violation if they have unknowingly accessed any of my medical records to fraudulently have this account added to my credit report.
The credit union stop paying bills and I was not notified about fraud active or why they did n't pay my bills as scheduled, been set up for mouths and had been paid I want to know to mouth the fraud started I was told it was not normal to stop bill pay, the credit was asked to send letters to the reporting agency 's and they agreed they would and did n't, they sent me a email stating my copy was coming by mail, it never showed up and reason was the they sent it to the CFPB I never got the letters They sent me letters to send copy 's to the company 's claiming the did n't have the correct address how would know that how me the returned letters the address in the system is correct. They mess up my credit and no remorse are desire to help resolve the matter The money left the account so where did my money go I want to know where it went if bills was not paid They now paying bills prior to the due date after being told many times not and then when my money run the charge me fees without failed the credit union bill pay is out of control, with no caring to correct it they only about the bottom line. I want someone to tell me ; where my ; money went since it left my account for about five mouths, why and did they stop making payments and why was I locked out of my account, where did my money go and why was n't I notified what mouth did this start
XXXX XXXX XXXX XXXX TransUnion Credit report XX/XX/XXXX XXXX XXXX XXXX XXXX have last payment as XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} From XXXX/XXXX/XXXX to XX/XX/XXXX is five years. 
According to Florida State Statute 95.11 ( a ) ( b ), a debt is no longer legally collectible after five years, thus making this debt no longer legally collectible. 
The entire amount is no longer collectible and should not be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal I send Transunion and XXXX XXXX a letter telling them that is not my account. 
Transunion send me a letter on XX/XX/XXXX verified as accurate and updated Transunion send me a letter onXX/XX/XXXX verified as accurate and updated
The number they are calling from is XXXX ( leave a message to call back at XXXX ) and says her name is XXXX ( with a real thick Jamaican accent and they have left several messages and/or spoke to with not only me, work place of employment, my family and friends. They refuse to state the company they are working for. I have told them to stop calling and told them to send me all the information in writing. They refuse and say they will get an arrest warrant for me. They even called my family member who is a police officer and he explained that he is an officer and that they ca n't arrest for debts. She was so rude and telling him yes they can so he asked to speak to a supervisor and she said there is n't one there but they have a police officer there he could talk too. My family member so ok, he would love to talk to the police officer that was there and she cussed at him and hung up. 

They have also called other family and friends stating they are filing papers through my county and will be arresting me. 
I do n't even know what this is for or about because they refuse to send me anything in writing or give any of their company information.
XXXX XXXX XXXX said I owe XXXX the XXXX stated now {$270.00}. Posted on my credit report earlier this year, disputed amount now XXXX says I owe {$270.00} before it was more than that. I do not owe them anything, I sent back the tracker last year and now I have a collection on my account. Disputed to remove because debt not owed and all they did was adjusted the amount. 
I am requesting this item be removed off my credit report