WillisBack/dataset-financial-user-claim huggingface dataset:
I have lodged disputes with Capital One, XXXX, XXXX and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Probably chose the wrong catagory but ... 

Received a phone call today with the caller ID of " XXXX XXXX XXXX '' and number of XXXX. Caller then identified themselves as calling from Navient Corporation. This is to get people to answer the call not knowing it is Navient Corporation and is fraudulent. Debt collectors or any company calling to collect a debt need to provide accurate caller ID info.
XXXX obtained a copy of my credit report on a debt that had been paid. I called Experian and asked why they were able to obtain my credit report when no permissible purpose was granted and they have no permissible purpose. 
" FCRA 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe " FCRA 607. Compliance procedures [ 15 U.S.C. 1681e ] Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec-tion 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title. '' ( A ) intends to use the information in connection with a credit trans-action involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; '' The FCRA does NOT limit a consumer to {$1000.00} per violation. That limit is for statutory damages under the FDCPA, not for civil liability under the FCRA. 
Civil action under the FCRA is covered under FCRA 616 for Willful Noncompliance, and FCRA 617 for Negligent Noncompliance. 
FCRA 619 provides that " any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. ''
I was required to pay {$25.00} interest each month on my student loan. I missed a payment so was in arrears by {$25.00}. So i logged into the Sallie Mae website and set up an auto debit of {$50.00} per month so that I would clear my arrears and start paying down my loan by more than my minimum. When the auto debit came around instead of taking {$50.00} out of my bank it just took {$25.00} leaving me in arrears. I then got phone calls and messages from Sallie Mae telling me I was in arrears. When I checked the auto debit was still set up for {$50.00} per month but despite that Sallie Mae only took the minimum {$25.00} out. When I phoned up to ask why they told me that that is the way the system works and that I could not set up an auto debit for more than the required minimum. This is despite the fact that there online system allowed me to do this, still reports that I have a {$50.00} per month auto debit and above all else should allow me to pay down my loan faster than the minimum. When I challenged them again they told me that the only way to pay down the loan faster was by one off single payments. 
My frustration was that at no time was I told that I could only pay off the minimum amount of {$25.00} through the auto debit system, and that by not taking out my {$50.00} payment it kept me in arrears unintentionally on my part. 
I should be able to pay down my loans faster if I want though the auto payment system and if this is not possible Sallie Mae should have notified me when I set up the auto debit and not then complain when the arrears payment was not taken out by them. 
For students learning about how to handle financial management the system in place seems to only help Sallie Mae not the student. In helping to keep the student in arrears even when they tried to pay off the loan faster than required. 
Even there new look website is poorly designed mixing interest with payments in the same column so its harder to see how the loan balance is going up or down based upon the loan servicing. Why oh Why does the loan statement not separate additional charges and interest into its own column separate from the payments made to pay down the loan. This would give students a much clearer idea of how there loan is progressing rather than having to read down and across for each number to understand its meaning. Once again a missed opportunity to make it easier for students to service there loan.
There is no contract ; account was settled with original creditor, yet remains on my report ... grave error XXXX XXXX XXXX XXXX XXXX-XX/XX/2017 {$31.00} ( You have NOT provided me a copy of ANY original documentation required under Section 609a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
I was put into collection for XXXX medical bills and they are reporting on my credit reports which is affecting my credit score and affecting me in obtaining credit. I was on medicare at the time and I paid my {$140.00} out of pocket deductable. Everything else was paid by medicare. I sent a Cease and XXXX response back to the collection agency as under the 1977 Fair Debt collection Lractives this should have never been put in collection nor put on my credit reports. I am complaining because I do not owe these XXXX medical debts and how can they put me in twice for XXXX different medical bills when I was only responsible for the {$140.00}. I want this removed off my credit reports.
Its the credi Bureaus I paid off stuff its not off accounts paid off still on a derogatory remarks.
On XXXX/XXXX/2015 I was contacted by XXXX XXXX at XXXX XXXX that my Target Credit Card ispast due. I informed her that I had n't been receiving statements from target since XXXX. At that time, I had a death in the family, and was n't really thinking about it. A couple of months go by and I never had the opportunity to address the issue. I was also never contact by anyone at Target during this time either. 

So I asked XXXX, if she could reprint the last few statements, so I could review them, and remit payment. She informed me that she could n't do that. She also told me that a statement was mailed on XXXX, which at the time of this writing I never received. I asked her if it were possible that I was signed up for electronic statements. She said no. I told her that I was n't comfortable making a payment until I saw a statement. 

I decide to call up Target to see if they could help. I asked the agent If I was on electronic statements, she said yes, I said where are they going, she said I would have to log on to get that information, I said I 'm not even sure I have a log-in id. I said is it possible to have the last couple of statements printed out ; she said she would have to transfer me. I waited close to XXXX minutes, and had to hang up. I called a second time a few hours later, and I was waiting another XXXX minutes to speak to someone, which I had to get off the phone. 

Until I receive my statements, I 'm not comfortable making a payment.
I have had my wallet stolen from me a few years ago an I found a lot of credit inquiry an accounts that are not mine .an it 's very difficult for me to acquire credit.pleas have all the credit inquiry information removed .thank youXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Aargon Agency Inc XXXX XXXX XXXX XXXX XXXX XXXX, Nevada United States of America Out of nowhere, Aargon Agency put on my XXXX credit report that I was in collections for {$450.00}. I have never received any notification from Aargon. It seems like they are targeting people who have bad credit and just putting non-existing debt on them. See link http : XXXX
I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter-sent certified mail as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back with you certified mail. 

Regards
Received copy of my credit report. Credit report shows credit inquiry from this company. I have not authorized this company to pull my credit. Need to know how and why my credit was pulled without my consent and if any new account was opened.
We refinanced our home earlier this year XX/XX/XXXX.During this process we discovered that the new company that 's servicing our loan had some extra fees involved to get the loan closed.When we asked what were these charges for they told us it was for unpaid property taxes that was due in XXXX that our previous mortgage company was suppose to pay out of our escrow account.We would n't have never knew that our taxes was in default in we was not trying to refinance our loan..I 've tried to settle this with my previous mortgage company and they are saying that they are not paying the back taxes back to us.We have provided proof that they have now been paid and we just want to be reinbursed for the money we had to pay which was their job to pay in out of our escrow account.Any kind of help with this matter will be greatly appreciated
On XX/XX/XXXX my purse was stolen including my driver 's license, credit/atm cards, checkbook and keys. I reported the theft and it is in a XXXX Police Report. I cancelled my Bank of America ( BOA ) cards, stopped payment on the missing checks, and removed most of the funds from my checking account. 

On XX/XX/XXXX-XX/XX/XXXX, three deductions totaling {$5500.00} were made from the BOA checking account belonging to my husband and me for " returned item chargeback ''. Apparently, on XX/XX/XXXX-XX/XX/XXXX, someone presented my stolen id, and BOA cashed 3 third party checks totaling {$5500.00}. This was despite the fact that there were not sufficient funds in the checking account to cover any one of the third party checks. 

On XX/XX/XXXX-XX/XX/XXXX, we met with a local BOA official who initiated a BOA fraud investigation, referencing the XXXX Police Report number. He put a " fraud hold '' on the account, and we discussed options for my safety deposit boxes since the thief had both my id and my deposit box keys. Ultimately, I re-keyed both boxes. 

On XX/XX/XXXX I was contacted by the BOA fraud investigator. I told her that my TX driver 's license was stolen which displayed my signature, along with checks, cards, etc. I also referred her to a second identity theft incident using my cancelled checks and gave the XXXX County report number. 

On XX/XX/XXXX, without any communication, BOA move funds from savings accounts of ourselves and our child to cover the overdraft in the checking account. I met with a BOA official at a local branch, who indicated that the fraud claim was denied, but that she initiated a " reconsideration request ''. She said they would email me the denial letter, which they did not do. 

After several calls to BOA check fraud, I received the denial letter which stated " The signature on the item ( s ) you claimed matches with the sample signature ( s ) on the account. Based on our research, identification belonging the account holder was used and we have n't been advised that your identification was lost or stolen. '' Between XX/XX/XXXX and XX/XX/XXXX, we contacted BOA at least 9 times via the fraud department customer phone lines, letters, and local BOA officials. We provided full copies of the XXXX Police and XXXX County reports. BOA continues to delay citing workload, errors in internal communication and work processes, lack of information, adherence to internal durations, etc. On XX/XX/XXXX, the representative indicated that the first reconsideration request was not done correctly, and did not take place, so he provided the proper paperwork, and now the completion date was XX/XX/XXXX. On XX/XX/XXXX, another representative indicated that there were 2  reconsideration requests, that the first one was denied but there would be no communication to me, to call back after XX/XX/XXXX.
XX/XX/XXXX I got a letter from the Department of Human Services telling me that when I submitted for my kids chips my information was breached. I immediately have a previous ID theft alert ( from another information breach ) updated with all XXXX credit reporting agencies. In XX/XX/XXXX I got something from Homeland security telling me the same thing because I am a FEMA certified adjuster. I sent a copy of this item also to the agencies. I found out ( When I was trying to get a mortgage that I was turned down for due to these inaccurate items ) that all three agencies allowed XXXX other items that were fraud on my credit file for 8.5 years instead of 7 and there are countless inquires and medical bills that reoccurs on my credit. Every time I write in concern of the inquires I get a letter back telling me that these items will remain 2 years even though I sent in proof that they were fraud. I also sent in proof of my XXXX insurance dating back to XX/XX/XXXX and all of the invoicing associated with my plan for those years as proof that the medical items that were on my report were fraud because they didnt match any of the visits under my itemized plan. I keep getting letters back from the agencies saying that the items were verified and will remain. I called the creditors and asked what documents they sent the agencies so that I can get a copy for the police. They told me that they only sent over itemized invoices with not signed documentation. I called and wrote the agencies asking them how can they dismiss my proven legitimate documents over invoices from a creditor. Still the items were allowed r=to remain. Not only these items but the inquires also are bringing my scores all the way down. Even my oldest daughter XXXX XXXX XXXX XXXX/XXXX/XXXX Has bills on her credit file starting from when she was only XXXX and they were allowed to remain. My son XXXX XXXX XXXX/XXXX/XXXX has a medical debt on his also ant it was allowed to remain as well. They are both under my plan and has been since XX/XX/XXXX and prior to that they were on XXXX ... They were part of the initial fraud alert back in XX/XX/XXXX. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity as well as the identity for my XXXX children as proof. I an working storm claims so I dont have a copy of the letters from DHS or FEMA on this computer but they should be easy to obtain by your agency. Also the credit agencies has a copy from back when I mailed them to them.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX ( XXXX  : XXXX Experian : XXXX ) XXXX ( XXXX  : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX Experian : XXXX ) XXXX  XXXX ( XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX  ( Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX  ( XXXX  : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX  XXXX XXXX ( Experian : XXXX XXXX  : XXXX ) XXXX XXXX   XXXX TN ( XXXX  : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX TN ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX ( XXXX  : XXXX Experian : XXXX ) XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX  XXXX ( XXXX   : XXXX ).
I leased a vehicle ( XXXX Buick LaCrosse ) from US Bank. The lease term just ended and I paid US Bank {$17000.00} in certified check back on XXXX/XXXX/15 to buy the vehicle. It has now been two and a half weeks and US Bank is not releasing the title of the car and sending it to me. I have called several times and they still have not mailed it. If we consumers were to make a late payment, US Bank is quick to charge ridiculous late fees and ruin our credit report. However, the same rules do not apply to this bank. That is ridiculous! We need to get the title NOW.
I filed a dispute online with Transunion regarding an account that is inaccurate and damaging my credit. The agency took longer than 30 days to respond and did not complete anything at all but send me a copy of my credit report.
The bank promised me a bonus if I met certain requirements. They offered a checking bonus and a credit card bonus. I received the checking bonus but not the credit card bonus. I met all the requirements for both bonuses, but the bank has not paid the {$50.00} credit card bonus. The bank wo n't respond to my calls or faxes. I called the bank and they said the only way they could help me was if I faxed the information to their cardmember services at XXXX, which I did on XXXX/XXXX/16 and again on XXXX/XXXX/16. I called to ask whether they had received my faxes and they said yes, but that it would take several more weeks for them to respond. It seems like they 're stalling so that I will go away.
A collection was reported to my credit file on XXXX XXXX. This is not my account and I do not have knowledge of such account. I called the numbr listed and its a fraudulent number.
In 2013 I was in a very bad car accident I was t boned by someone who ran a stop sign. My vehicle was totaled. I had only had it for 1 year. XXXX sent the loan company a check to pay off the vehicles value its been almost 6 years and I am still seeing $ XXXX owed in my report. This was a long legal battle from my accident and the balance wont go away its hurting my credit and affecting me to become a new home owner
I saved the call, however received two calls stating I was being prosecuted for a bad check that was n't processed however, I do n't use checks and know it 's a scam but was told they were with XXXX, Mathew, & waters llc law firm. They need to resolve a matter or send it to my local authorities to serve me. <P/>Phone number XXXX
I discovered XXXX unknown medical collections on my credit report XX/XX/2015. I promptly filed a dispute with Equifax and received a response dated XX/XX/2015 that they had " verified '' both accounts. I then sent out a letter to XXXX XXXX XXXX via certified mail on XX/XX/2015 and it was received on XX/XX/2015, requesting validation regarding both accounts. I have not received a valid response. I sent a follow up dispute to Equifax on XX/XX/2015 and received a letter dated XX/XX/2015, stating that they had again " Verified '' both accounts. Equifax 's refusal to properly investigate is a violation of the FCRA and FACTA
I got a bill trying to collector from XXXX XXXX for a supposed sum of XXXX yet if i paid before 30 days it was only XXXX. I personally walked into XXXX XXXX, paid my last bill and closed my account before moving to XXXX 5 years ago. What was even better that the bill was sent to my mother 's address in XXXX yet my last address while living in the USA was in XXXX. Convergent Outsourcing Inc sent me the bill
My personal information was compromised, it seems. This possibly includes information related to SSN,  Accounts, etc. Bad stuff.
On XXXX XXXX, XXXX I accessed my bank account through the XXXX mobile app ( as I often do approximately XXXX times daily ). On the date in question I noticed my account showed several pending transactions and some posted. Additionally, I had a balance of over {$200.00} in my checking and over $ XXXX in my savings account. By the time I woke up the next morning I was overdrawn and charged {$34.00} for NSF. XXXX alleges I did not have enough money in my account to cover a recurring bill ( from XXXX ). 

On several occasions throughout the day on XXXX XXXX, XXXX, I saw the XXXX payment, in particular, and it showed " posted ''. I knew it was posted because the XXXX is blue for credit and gray for posted. Additionally, it did not say " pending '' in the left hand corner near the transaction. I asked XXXX why they did n't reject any transaction XXXX XXXX ) and they " conveniently '' stated the XXXX transaction is the transaction that put me into overdraft. I know for a fact they fixed the order of the transactions to make the XXXX transaction come in " last '' when in fact it was first on the list for that date. If they left it as " posted '' instead of being dubious and making it " pending '' AFTER they posted it, it would have triggered XXXX of my debit transactions being rejected at the POS requiring me to make a transfer which would n't have cost me a dime! 

I am requesting that my {$34.00} be put back into my account since XXXX has not provided written documentation, bearing my signature, that states I opted into overdraft protection. I have enough of my own money in the bank. I do n't need XXXX 's.