WillisBack/dataset-financial-user-claim huggingface dataset:
I recently contacted XXXX to dispute XXXX accounts on my credit report from XXXX XXXX Bank and LVNV Funding , LLC. The investigation took less than a week and it can back as updated. When I looked at the date of account reported to the credit bureau, it went from XX/XX/XXXX to now XX/XX/XXXX after I made a dispute. I sent a letter of validation to XXXX, XXXX and XXXX asking them to validate that I owe the debt on XX/XX/XXXX. They have not responded or validated that I owe such debt as of yet. LVNV funding, I believe is a fraudulent collection agency that works under several alias such as XXXX, XXXX and XXXX and several others. I do not believe that this account is mine. I also do not understand how XXXX different agencies are collecting and reporting for one account. I highly doubt that what they are doing is legal and would like the Consumer Financial Protection Bureau to look into it. Thank you.
I had an existing mortgage with Wells Fargo that I applied for cash out refi. with. I went through the application process providing them with everything they requested of me. However the loan processor XXXX was very rude, disrespectful, and indifferent including requesting proof of insurance on the same loan they already had proof of because of the escrow. I had to literally email her a copy of the same Mortgage Statement that showed they paid the insurance on the property they already have the mortgage and pay the insurance with through my escrow account. Besides that I found out that when I did my did a refi from a 30 year to a 15 year loan with Wells Fargo in XXXX, they never removed the lien from my original 30 year loan and was asking me why I had another lien on the property I was doing the cash out refi on now. I had to inform them that they were the ones to ensure that the title was updated to reflect them being the only lien holder on my property. 
Next issue I provided her with copy of my XXXX showing me as 100 % owner of my company yet he failed to update records showing me as owner requesting that I need a letter stating I am authorized to conduct transaction on my solely owned company, Next in providing them with proof of over {$8000.00} available in my accounts plus assets that valued more that what my loan amount would be she failed to submit my loan to underwriting. Your conduct and behavior was so reprehensible that I sent her an email indicating that I would pay my loan off and go else where for service because she made me feel like they were not going to process my loan and string me along. I placed calls to her supervisor who never returned my calls and I asked the loan officer that originated the loan with me to replace her with someone else to work with on XX/XX/XXXX XXXX because and I would rather pay my loan off and move on that deal with that kind of disrespect. All I knew next is he just went and leave without informing me and she was just mean. She was so rude that I stated it seems they are not interested in my business so all I need to do now is pay off my loan and take my business else where and that is what I did paid my loan off with a wire for {$3400.00} which is the pay off quote I received on XXXX after she started acting the fool and her supervisor never returned my calls and after I asked XXXX the loan officer to provide me with someone else. By the way it seem she can conduct herself that way because her supervisor XXXX has the same last name as her. 
So I wired funds and paid my loan off yesterday XX/XX/XXXX and Now they are telling me it is going to take 60 days to get a Lien Satisfaction letter so that I can have them removed from my insurance policy is unacceptable since my insurance is due on XX/XX/XXXX on my property and they no longer have a right to be on my policy and they are refusing to corporate with me.
I was involved in a malicious wounding crime in XX/XX/XXXX that resulted in numerous medical bills. The judge ordered all medical bills to be paid by the guilty party. The bills were being charged to the victims protection fund at the time and being paid by them and then ultimately charged back to the guilty party. This bill was charged to me and was still paid by the victims protection fund, but sent to collections in XX/XX/XXXX and still shows on the collections portion of my credit report. This debt was not mine and was still paid. It should have never been sent to collections and should have never been assigned to me by law.
On XXXX XXXX, XXXX I received a letter stating I owed XXXX for a XXXX XXXX. On XXXX XXXX, XXXX I sent a letter stating that this was not my account as I was am minor when this account appeared to be established. I sent a copy of my ID and Social Security Card. I received no response. My DOB is XXXX XXXX, XXXX. I received no response. 

On XXXX XXXX pursuant to FDCP Act 15 USC 1692g sec 809 ( 8 ) I sent a request for Validation of the debt. As of XXXX XXXX, XXXX I did not receive a response. 

On XXXX XXXX, XXXX. I contacted XXXX XXXX Fraud Department and was informed the account was established XXXX XXXX. At that time I was only XXXX years old and not able to legally enter into any contract as I was a minor. 

Stephan 's & Micheal Associates have violated the FDCP Act in multiple ways. 

This account was placed on all XXXX credit bureas while I was utilizing my 30 days to dispute the debt.
Good afternoon, I am writing because Credit Acceptance Corp has called me before XXXX XXXX on a Sunday morning to inquire about payment. I had previously instructed Credit Acceptance Corp to refrain from calling and they decided to do it anyway at XXXX XXXX  approximately this Sunday morning. I informed Credit Acceptance Corp to contact me in writing and not my cell phone in the past. I reminded the woman today  and she said she was going to keep calling and calling she did. After blocking out her number, she called from yet a different number. This is harassment and today is Sunday and they are calling outside of business hours. Based on my understanding of the telephone/bill collection rules, the company could be fined {$1000.00} each time for willfully violating collection laws via telephone. 

She called me from the following phone numbers : XXXX at XXXX XXXX CST and at XXXX XXXX CST. She called me from XXXX at XXXX XXXX and called me at XXXX at XXXX XXXX and at XXXX XXXX. 

I paid my XXXX bill one week in advance and I understand that the bill is due on the XXXX of the month and haven't paid it yet, however, that does not give them an excuse to call outside of business hours and call when I've requested everything in writing.
I had contacted Capital One twice. My concern was that I had paid off my balance and they had stilled charged me interest on a balance that I had paid off in full. I had talked to someone on XX/XX/XXXX. They continue to tell me that my the interest is from the balance from XX/XX/XXXX, even though I had initiated a payment for the full amount on XX/XX/. Payment was not posted until XX/XX/2018. This is the reason they are giving me that I still owed them. 
They are telling me that I had not paid the XX/XX/XXXX balance in full so therefore I owe them that interest. 
I had told them that the other credit cards I have, did not charge me interest. They claim that I got a deal or some discount I asked for. 

I did not ask for a discount or deal. I had told them they are ripping people over, and you can never pay this card off. 
The other concern is that I have been paying interest on a cash advance that I had paid back along time ago. The lady had told me that the monies I pay goes towards interest on the cash advance along with purchases. The interest is the same she tells me for the cash advances and purchases.
Calls repeated 10-20 times a day threatening to come to my residence or my wifes work with a uniformed officer to serve me with legal papers. Harrassing phone calls after I told him to stop. He says his name is XXXX XXXX
I saw an XXXX University XXXX commercial and made 1 call to inquire. Every since that day I dreaded ever contacting them. They called, emailed, left messages everyday ... numerous times a day. I ended up attending XXXX University XXXX, FL from XXXX til XXXX for an XXXX XXXX in XXXX. Initially, tuition was under XXXX a semester, but every semester it increased until it was just about XXXX per semester. As a result I 'm now XXXX dollars in debt due to a 2 year degree attending XXXX University XXXX. As well all know now my degree that I put blood, sweat, and tears into is not even usable due to XXXX closing and the school being non accredited. I was initially told the school was accredited an that they do job placement after graduation. NONE of that was true! It was a all a hoax to me ... like a bad dream that left me in debt. I feel my loan along with thousands of others should be forgiven, cancelled, completely abolished due to the circulating news of their closing and being sued, no accreditation, lies of future employment placement, and let us not forget their lying to millions.
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I requested a credit line increase on XXXX/XXXX/2016 and requested repeatedly that credit not be pulled numerous times during call and the representative agreed. I checked with my monitoring service and the next day and there was an inquiry on my XXXX credit bureau report from this bank. I have made calls over the past 7 weeks and spoke with XXXX-XXXX supervisors and no one has been able to help me. I was called by a supervisor named XXXX or XXXX that informed me that the inquiry would be removed. It was not removed. I spoke a female supervisor on XXXX/XXXX/2016 and she submitted the request to the department that took care of those matters. I spoke back with several supervisors this week and I am still not able to resolve the unauthorized inquiry that appears on my XXXX credit report dated XXXX/XXXX/2016 after being told by a supervisor on an outbound call to me that it would be removed in 45-60 days.
Today i called XXXX XXXX XXXX to see what my new monthly rate would be on the income based payment program. I was told months ago before i could reapply for this i had to make 3 consecutive monthly payments of {$170.00}. I made the 3 payments and submitted my paperwork for the application on XX/XX/XXXX. When i called a few days ago they told me that i should know something by the XXXX because my application is still processing. Today they told me that they would not be able let me get on the program because i did not make my payments on time. I said my payments were accepted and i asked were my payments considered late each and every payment. In fact, when i called back in XX/XX/XXXX of this year, the gentelman on the phone told me i actually paid my payments weeks in advance and i did not have a payment due XX/XX/XXXX. My previous payment covered my payments and i am in good standing nowhere near late. I was told 3 seperate peices of information. I was told my payments were never late, i am in fact qualified for the repayment plan and i was most recently told today XX/XX/XXXX that my payments i made of {$170.00} did not count because i didnt make them on time. Im extremely angry with XXXX XXXX XXXX with giving me false informatiom each time i called. In the past week i have called XXXX XXXX XXXX to check on my processing 4 times. This is extremely stressful and frustrating for me and i need this resolved immediately.
I owe a conns bill of XXXX plus I got behind on my payment due to trying to pay for college. I told them I will try to pay when I can and they insist on me giving them my credit card information. I told them no. I will pay when I can. I get calls from XXXX XXXX to XXXX XXXX every day even weekends. I have even ended up in the hospital from all the stress of the calls just non stop but they call from a lot of other numbers to many to add here, from all over the state. I know I owe this money, I am just not able at the time. At this point I stopped answering my phone and have a recording stating my number is on do not call reg. sinse XX/XX/2016.
I called to clear a judgement in Magistrate court. They asked for the file # and I told them there were two file # s, and I gave them both #. They claimed not to have found those numbers and asked that I give them my SS #, which I did. I told them that it was for XXXX XXXX and it was a filed judgement against me in XXXX County Magistrate court. I have the names of the people I spoke to at Aldridge, Pite, Haan on XX/XX/XXXX. I made a settlement of {$1700.00} on a {$3000.00} ( appx ) debt and the check cleared the bank on XX/XX/31. The very next week when I tried to get a letter stating that the judgement was final, they told me it was applied to another account. I asked for proof that was my acct they applied it to and they said they would ask the creditor to send me proof and I would probably get it within ten days. I can not get this cleared off my records, and I would like to know what legal ramifications there are for this type of scamming. Thanks
the amount does not go down and infact the amount keeps going up at an intrest rate over XXXX percent
My Brother passed away XXXX XXXX XXXX. I turned in his bank card to First Merit Bank Monday XXXX XXXX XXXX so that no one would be able to use it. I provided his death certificate with my ID. I was told when the account sat inactive for a period of time the funds would be released. It is XXXX XXXX and I receive a bank statement every month showing a {$1.00} fee being charged for the bank they have. The account has activity by First Merit for a card they have in their posession, the account will not ever sit inactive with them doing this.
I pay my mortgage on time. Although the payments are taken out of my checking account immediately, they are not applied to my account for several days. 
On XXXX XXXX, 2015 I received a notice that my mortgage was over XXXX days late. I also had a late fee attached to my XX/XX/XXXX payment. I contacted the company ( LenderLive ) and was told that the money I paid online for my XX/XX/XXXX mortgage payment was applied to a fee that LenderLive was supposed to tell me in XX/XX/XXXX that they believed I owed. I do not owe any fees to LenderLive. I refinance my mortgage with XXXX, fully paid XXXX, and they sold the mortgage to LenderLive. I received a letter from LenderLive in XX/XX/XXXX that my account was in good standing, I pay on time, and yet I suddenly owe over {$1000.00} and not only was the representative unable to tell me exactly what it was for, they reported me as delinquent to the credit reporting agency!!! I now have a credit score dropped by XXXX points because of money I do not owe. I did NOT authorize LenderLive to apply my mortgage payment to whatever it is they applied it to, I do not owe anyone money, I should not have had a late fee applied, and where is the $ XXXX dollars that were not applied?? I paid $ XXXX and they used $ XXXX for unauthorized purposes, did not credit me the remainder AND fraudulently reported me to the credit bureaus!!
I Had a checking account that was closed by the XXXX XXXX attached to the checking account was a credit line. When they closed the account they never said that the credit line had to be paid in full. Payments were made in accordance with the monthly payment. When i was told that the account had to be paid in full the amount was paid immediately. I have been trying to open a checking account and i have been told that i have a mark against me on XXXX. I called the aforementioned company and was told there was nothing they can do. I called the bank ( XXXX ) and they told me there is nothing they can do, that they have put a satisfied into XXXX I was never late and was never told the account had to be closed. This was there mistake and they refuse to remove it from XXXX. I am having a hard time getting an account open.
XXXX    XXXX   I had a bunch of fraudulent activity on my credit cards. I reported it to my bank  ( USAA ) i mmediately, however it took them quite a while to get the claim completely correct. Now, a year later after having issued permanent credits to my account, they have decided to reverse this action and make me liable for purchases I did not authorize.
After I consolidated my student loans I have been on the income based repayment plan since im pursuing the public loan forgiveness program. I certified my employment with XXXX XXXX on XXXX of 2017 and soon after I received a letter stating that I had 81 qualifying payments. Fast forward to this month and I logged into my online account. XXXX XXXX updated their system and to my surprise they only have me with thirty something qualifying payments. I contacted them for help with out any luck. They we're rude condescending and they said that I was not on a qualifying payment plan. That is incorrect because I renew my eligibility every year and I have certified my employment twice. I'm worried that their mistake will make me have to continue making payments when I should be eligible for loan forgiveness. Thank you
My husband and I both lost our jobs in 2008. We immediately called our mortgage company - XXXX XXXX XXXX. We were told that we would not be eligible for any assistance with the issue until we were 90 days delinquent on our mortgage. We used all of our savings to keep the payments current as long as we could. Once we became 90 days delinquent we called them again to seek assistance. We were then told that we DID'NT MAKE ENOUGH money to for a mortgage help. After missing a few more payments - we XXXX found new jobs! So with our first pay checks we sent in a full payment- It was accepted. At that same time we asked XXXX for some kind of help or modification to help us get caught up. We were then told that we made TOO MUCH money to receive any mortgage assistance. In desperate effort to get caught up we sent in a second full payment 2 weeks later ( we decided to not buy food or other essentials to scrape it together XXXX. The actual check was returned to us uncashed stapled top a letter saying that we were too far behind now and were in foreclosure. After many months and with the help of XXXX XXXX and XXXX XXXX XXXX - on the day before or home was to be auctioned we received a mortgage modification packet fro XXXX. Desperate to keep our home - we signed it. Basically, all it did was tack the back payments and fees onto our loan. So we began making payments. We lost our jobs for the second time a few months later. With no more savings from our first job loss I assumed our home was surely lost. We are still here but after many, many submissions of requests for mortgage modifications - we are now in foreclosure again. I do n't why it has taken so long. Also, during the past few years I looked into a short sale and learned that due to the previous mortgage modification and decline in home values the appraised value of our home is about {$80000.00} under what we owe on our mortgage. So, I have also requested a mortgage modification that includes principal reduction to no avail. My goal is to get a mortgage modification that includes principal reduction to a fair market value on my home. WE are now able to make payments and would like some help with the matter. I would alos like an investigation into my many attempts at requesting mortgage assistance because I suspect that at some point in all of this we must have been eligible for assistance but our paper work was either purged or not even actually considered. If this is true then we would not be in this situation in the first place.
I was contacted about a debt on a XXXX XXXX XXXX bill. 

I handed in my XXXX XXXX XXXX modem and box to the store and confirmed my bill was settled on the account. 

Credit Management sent me a bill for this. It now has been reported on my credit report as an uncollected debt. It has lowered my credit score by greater than 100 points. 

How can I get this removed?
SHELLPOINT MORTGAGE ADDED INACCURATE AND FALSE COMMENTS IN THE REMARKS SECTION OF MY CREDIT REPORT.

PLEASE REMOVE THE COMMENT " FORECLOSURE INITIATED '' BECAUSE ITS FALSE.

FORECLOSURE WAS NOT INITIATED BY SHELLPOINT MORTGAGE. I SOLD MY HOUSE AFTER XXXX   DIAG AND NUMEROUS TREATMENTS TO PAY DOCTOR BILLS.

MY HOME WAS NOT FORECLOSED OR INITIATED.

THANK YOU
Experian allowed XXXX to pull a hard credit inquiry without my permission. This was done by the XXXX store on XXXX XXXX in XXXX, SC. The store employee who did this was XXXX. After my credit was pulled, she tried to get this reversed. I want this credit pull to be removed from my credit report immediately!
When attending  XXXX  school I took several private loans. I was unaware at the time but some of the interest rates were exceedingly high. At the time I was unaware and uninformed of the loan process. When I graduated the loan company began to call me constantly and consistently. I went back to school because the loan amount was too large for me to handle and thought by going back to school it would increase my income. In  XXXX , from  XXXX  to  XXXX  my account fell into a 90 day delinquency. This was due to a family issue, as well as my transitioning into a   XXXX   XXXX  . I am now aware that there could have been more constructive methods of handling this situation but at the time I did not see how it was possible. Now am I facing over a {$100000.00} in private debt alone and can not consolidate my private loans until  XXXX . I am requesting a reduction in some of interest rates mainly the ones that are 10 % and higher, with an emphasize on the loans that are currently at 15 %. I do not see how it is manageable to pay rent, a car loan, and buy groceries with this crippling debt. The lender is requesting  XXXX  dollars monthly. This seems unreasonable and with my other financial responsibilities it is something that I just can not do. My estimate gross monthly income is roughly {$2400.00}. I can not see how I could possibly make these payments and survive.