WillisBack/dataset-financial-user-claim huggingface dataset:
I have been disputing a  XXXX   XXXX  account on my credit report since  XXXX   XXXX . I have asked for verification from  XXXX   XXXX  of this negative account that they have reported to credit bureaus,  XXXX ,  XXXX , and Equifax. I sent out a letter on  XXXX   XXXX ,  XXXX .  XXXX   XXXX  signed for the letter on  XXXX   XXXX ,  XXXX . I gave the company 30 days to respond with more information on this account. I did not receive a letter until  XXXX   XXXX ,  XXXX . The company is not only reporting inaccurate data but has also broken the FDCPA. I have all documents and dates of the communication between  XXXX   XXXX  and myself. The company has continued to break the law. I have tried communicating with them and they refuse to talk with me. I have sent multiple letters asking for validation on the account. The company is also refusing to send a letter stating that if i do pay this debt they can not guarantee that it will reflect as paid on my credit report. When i asked to speak with a supervisor for this matter, i was told they did not have any on staff.  XXXX   XXXX  has also sent the account to a collection company and when you ask who has ownership of the account, they both point fingers. The company holding the account says they do not report to the credit reporting agencies and when you ask  XXXX  to send a letter asking to update to the credit bureaus once paid, they state that they can not do that.
Due to several complaints regarding Champion aka Nationstar mortagage, and XXXX i have received documents from both companies. After reviewing the documents there are excessive red flags from different interest rates, loan amounts, to fraudulent signatures with different dates.
During my duties as a XXXX of XXXX, XXXX, a construction company on XXXX XXXX, one of my duties was to perform company vehicles purchase. I quit to my duties on XXXX, XXXX on XXXX, 2014 and leave to work for another company on the state of Florida. In many occasions I requested to XXXX XXXX XXXX to release my name from that account due to those purchase were perform as a company representation. Even the name on the account is the corporation but they keep saying that I will be responsible even if I transfer the account to another person on the corporation or that I can sell the vehicles to the corporation, that is something that does n't make sense because the vehicles are already at the corporation name. 
I am requesting to XXXX XXXX XXXX to remove any negative information on my credit report.
Bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair credit reporting XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX
I work for XXXX XXXX XXXX, AZ but lived in XXXX, AZ. We were Furloughed in XX/XX/XXXX and lost wages as a result. Fell behind on a lot of bills, including one for Santander. I tried, but it seemed that the payments never made a dent in the loan to include the late payments. It got so bad that that they threatened to take away the vehicle, a XXXX Ford Ranger. So I voluntarily surrendered the vehicle. I was at work when my wife called to report Santander picked up the vehicle. That day was XXXX XXXX, XXXX. I later learned, from my XXXX XXXX, that a claim was made against the vehicle. I explained to XXXX that the vehicle was surrendered back to the Lender and the conversation ended there. Upon renewing my Insurance with Progressive XXXX XXXX, XXXX, XXXX reported that their quoted rate of {$560.00} has changed to {$700.00} plus dollars because of a No-Fault Accident that I was involved on XXXX/XXXX/XXXX. This is impossible as I was at work at the time of the questioned incident. I paid the difference for the insurance. XXXX gave me a toll-free number, XXXX, so that I can dispute the accident and get a report of the details. I have been unsuccessful. After 40 seconds of instructions about this XXXX service the call ends apologizing for services being unavailable at this time and to call again. I have tried twice and am very frustrated. I recently received a letter from a Law Firm representing Santander ( Ref. XXXX ) to collect {$15.00}, XXXX. I refuted that charge as I refuted Santander 's settlement for me to pay {$6000.00} several months ago when they stated {$12.00} ( approx. ) was outstanding after the sale of the vehicle. This seems highly suspicious. Not sure what 's the deal.
We have made this complaint earlier this year. First Niagara has been taking out NSF fees when they were not supposed to. 
Their policies and procedures seem to change between each person.
XXXX/XXXX  shows a inquire on my credit report on XX/XX/2018 but I never gave them written authorization to run my credit.
I had signed up with XXXX XXXX credit repair services on XX/XX/2018. I had given them from XX/XX/2018 until XXXX and to see if they had done anything for me. They had stated false claims on each and every telephone call. I had felt that I was being strung along just for them to keep collecting money from me for services not preformed. I do believe that giving them a total of four months was more than a fair amount of time. I had called to cancel and I was hung up on a total of three times. The fourth phone call I was finally able to talk with a person that had said they would send me an email conformation stating that I had cancelled my services on XX/XX/2018. I have not received this email as of yet. They had immediately charged my credit card as I was on the phone with them. I was using the home telephone and my mobile phone showed an alert from my bank that my credit card was charged {$72.00} dollars. I was paying {$89.00} per month for their services that were not rendered. So I am assuming that this {$72.00} was a prorated charge. The person I had spoken to on the phone attempted to entice me to move up to their higher level of service. That being {$100.00} and XXXX even though I had explained to them that I was cancelling service due to a financial hardship. They then had went onto stating that I could then receive the same level of service for a much lower cost. They told me that I could have the {$89.00} service level for {$24.00} per month with all the same exact features and level of service would remain the same. I felt robbed
Specialized Loan Services took over my account from XXXX XXXX XXXX XX/XX/XXXX and to date i have not had XXXX payment or interaction that i could call positive. The latest incident is that since XX/XX/XXXX SLS is cashing my payments but not posting any of them to my account. I have called to have a " miscellaneous fee '' of {$110.00} explained. They would not send further documentation and the phone representative said they can not provide or explain. In the last two months i have made the following payments but the value of my loan is rising rather than decreasing. 
XX/XX/XXXX : $ XXXXXX/XX/XXXX : $ XXXXXX/XX/XXXX : $ XXXXXX/XX/XXXX : $ XX/XX/XXXXXX/XX/XXXX : $ XXXXXX/XX/XXXX : {$370.00} ( Pending - on hold until payments post ) TOTAL PAYMENTS MADE : $ XXXXIs this legal?
My vehicle was repossessed under unfair conditions. I was not given a replevin notice and not given the opportunity to update payments. I was hospitalized at the time of repossession and not given any notices for bill of sale and amount owed after vehicle was sold for auction. I am asking to remove the reposession from my credit report because of unfair credit reporting and unfair reporting/notices from Nissan Motor Acceptance.
This is an RV loan negotiated XX/XX/XXXX with XXXX. In XX/XX/XXXX the loan was transferred to Santander Consumer USA. The loan is at 7.25 %. We have called numerous times the latest being on XX/XX/XXXX to ask again that the loan be renegotiated to what the Nat'l average is now between 3.25-3.50 %. They have refused and just today we found out that it is because they did n't negotiate the loan in the first place. We were never told this. No other loan company will work with us either because the loan is {$100000.00} more than what the RV is worth. There are 10 years left on the loan. If we walk away from it-which we really do n't want to do-they wo n't get their monies as we are seniors living off Social Security and annuity.
This debt was a result of a dispute between my family and the apartment complex lived in approximately two years ago. Because of the circumstances surrounding the cancellation of the lease the original client request for this case to be closed with the collection agency. The collection agency closed the account at the request of the their client but failed to remove it from my XXXX credit report.
upon reviewing my credit report, XXXX and XXXX, I found numerous instances of collection companies not licensed in my state, trying to collect and reporting on my credit file. I am a resident in Arkansas and have been for the last 4 years. I have also asked for validation of these debts from them 2 times, from XXXX and XXXX, and I have never recievced any documents from them verifying that the debt is in fact mine. XXXX has deleted these accounts from their report, stating that they could not verify them.
I received a call from an unknown company claiming to represent Citibank in order to collect a student loan debt from XX/XX/XXXX to XX/XX/XXXX. They stated the wrong school so I thought this was odd. I was told I can settle the debt with them and then stay out of court with Citibank or not pay and have to go to court and then pay double. For monthly payment they wanted XXXX a month down and XXXX every month with a higher debt amount. This whole thing is odd because Citibank was not on my credit reports. I dont trust this at all and think its a way to get money out of me.
FedLoan accused that I was delinquent on making payments toward repaying my student loans beginning XX/XX/2016, and they reported my loans as delinquent to the credit bureaus, so they now show up negatively on my credit report. However, they also approved " Delinquencey Forbearance '' on my account/loans from XX/XX/2016-XX/XX/2016, and approved " General Forbearance '' on my account/loans from XX/XX/2016-XX/XX/2016. Because forbearance was approved, I feel I should not be considered delinquent on these payments, and therefore it should not have been negatively reported on my credit report as such. FedLoan denied to take any action to correct this false, negative reporting when asked to do so, and stated " it was too late '' to take any corrective action on removing the delinquent accounts from my credit report.
I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry, I did not apply for credit or financing. and demand that you contact [ redit reporting agency ] immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. I will be filing on a claim in court should you willfully ignore my request. 
Any applications you have received in my name is FRAUD. I did not give anyone my permission to use my personal info. Please show me the original application for credit or service bearing my actual signature, also show me any documentation giving your company permission to pull my credit file bearing my actual signature and not a computer-generated signature. 
PLEASE REMOVE YOUR INQUIRIES WITHIN 10 DAYS OF THIS LETTER.
XXXX XXXX XXXX stated they would correct my status as paid on all three credit reporting companies, and they did correct on XXXX and XXXX but not equifax. Equifax report has negative report.
To whom it may concern,  XXXX   XXXX ,   XXXX   I mailed a Multiple Inquiry Removal Letter on  XXXX   XXXX ,   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They received the letter on  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX ,   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for all inquiries, which wa s Inquires are  a factual record of file access. If you believe this is unauthorized, please contact the creditor. According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be inve stigated and if you do not investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home and potentially a business this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consum er In  best regards,  XXXX   XXXX
XXXX XXXX to XXXX XXXX I was XXXX to XXXX XXXX with the XXXX XXXX under XXXX XXXX XXXX. During my XXXX a XXXX XXXX XXXX Bank credit card in XXXX, MD was activated in my name, and use without my knowledge, consent or authorization. I submitted a letter to the bank and a police report. The bank removed the information from my credit report. At a later date the credit card companies reinserted previously deleted information regarding this account. The amount was small {$250.00}. 
I had no knowledge of the transaction, The discrepancy is impacting my credit score. 
I want this report removed.
I had a debit from my doctor and i couldnt pay it so they forward it to AMERICOLLECT, this bad company didnt just place the collection for the amount, they split it into XXXX collections to harm my credit and force me to pay it, i called them and i asked to pay each one separately as they posted on claims, i would pay XXXX and they would remove it i said, they refused and they wanted me to pay for the whole thing. 
i do n't know whats going on and how they are able to twist the law like this, for XXXX claim they separate it into XXXX and refuse to settle each XXXX separated as they posted, i believe there is no control on these companies who abuses the collection laws.
I entered a repayment plan with Seterus, inc. regarding my home loan. I made a verbal agreement to allow ACH payments from my checking account beginning in XX/XX/2017. Seterus has made a withdraw one month early, causing my account to be severely overdrawn. The refuse to reverse the ACH. This is going to cause many fees, and most likely disconnection of my utilities. When I entered into the verbal agreement over the phone I specifically stated that I would need until the XX/XX/2017 ; the agent said that would be no problem. 

Any assistance you office can give will be greatly appreciated. 
XXXX Or XXXX ( XXXX ) XXXX
Equitfax sent  incorrect credit score to  XXXX . All other lenders got an  XXXX  score, while   XXXX   XXXX   was provided a  XXXX  I was not given the lower interest rate, but the rate of 9.09 % I tried to ask Equifax why, and they just said, I had no adverse information, but could n't give my credit score as it was confidential.
I contacted the credit bureau equifax concerning an account with  XXXX  loans for  XXXX  which i sent certified asking them to verify the accuracy of this claim and as of  XXXX   XXXX ,2017 i havent heard back from them i sent this request letter certified since  XXXX    XXXX ,2017  and has never been disputed
My loans are consolidated with Navient. I was on an income-based repayment plan and was given paperwork that informed me if I did not annually sign up by competing the paperwork for the income based plan, that I would be automatically switched to a standard 10 year repayment plan. After a year, I contacted Navient and was told I was still on the income based plan even though I had not completed the paperwork in almost 2 years. I asked to switch to the standard repayment plan and was asked " well how much do you want to pay? '' and I had to then calculate how much I 'd like to pay monthly in order to pay my loans off in 10 years. In the last year alone, I 've put almost XXXX in to my loans in order to get out from under the crushing debt and 6.375 % interest rate. I could basically own a second home with how much I pay for getting a XXXX XXXX XXXX in order to XXXX ( where a XXXX XXXX XXXX is the bare minimum to be able to obtain a XXXX ). This company does not care about student well-being or even doing their job to assist us. They prey on young people with a poor understanding of their loan practices and then exploit them as much as possible. My story is just one, but I hear from friends all the time of similar situations where they were uninformed or taken advantage of by organizations that claim to help us manage the insane debt issued easily to us by the government. I will be following the Navient lawsuit and hope to see some compensation for myself, a hard-working XXXX year old with my XXXX child on the way who completed her XXXX and XXXX education as quickly as possible and found a job immediately after XXXX, and who has put her life on hold for 5 years while most of her income is given to companies who take home enourmous yearly salaries.
I received a call for my mother on my cell phone from First National. I was asked to pass a message along to her and when asked if they were a debt collection agency, the account representative disclosed to me, a XXXX party, that he was. I work in debt collection for a very reputable company and know that his disclosure of his intent to me was a violation of FDCPA law.
XXXX is XXXX same account ( XXXX ) which is listed on my Equifax credit report three times. This fraudulent account belongs to my daughter XXXX XXXX and not me XXXX XXXX and I am asking for this account which is on my credit report 3 times to be removed immediately. I have attached a notarized letter from my daughter informing XXXX as she has before that I have no affiliation with this account. I did not reside at the address on there application nor did I sign. I have also again attached my signature and ask for the immediate removal of the fraudulent debt. This debt has been on my reports since 2007.
Per XXXX XXXX, the ownership of this debt is XXXX XXXX , XXXX and I have made payment arrangements with them ... MIDLAND has no ownership of this debt and I would like them to be remove from my credit ASAP ...
Hello, I just received a hard inquiry notification off of my XXXX XXXX account made by : On XXXX XXXX, XXXX. 

XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I have not opened any XXXX 's account recently. 

Thank you, XXXX
I have had my Lowe 's consumer store card for more than 7 years. In that time I have always paid my monthly bill in full and on time, never late and always paid each payment in full. XXXX XXXX who handles the accounts for Lowe 's, has decided too close my account due too perception. I am recovering from some other bills and fell behind on some other accounts which adversely affected my overall credit score.how can they do this? When I have been a good customer and always paid the bill in time in full. Closing my account affects my credit score, how can this be right. I as the consumer abided by all the terms of my lowes card, again I paid it each month. How can they just close the account??
I applied for a credit card and was denied ( see attached letter ), I had lifted my security freeze per process described and it did not allowaccess to my credit file as claimed by credit card company.
Today Saturday XX/XX/XXXX I received a collections noticed in the postal mail that was dated XX/XX/XXXX. BBVA Compass bank had repossessed my car without my knowledge then sold my car just a few days after my monthly payment. They claim the car was sold for {$10000.00} the remaining balance on the car loan contained within their info is {$12000.00} So that leaves a remaining balance of {$1500.00} along with fees involved with repossession. That being {$1700.00} so Compass bank is asking me within the mailed info to pay {$3300.00} I feel is that they owe me. I had spent {$1000.00} for a brand new set of tires including an alignment. I had also done needed maintenance such as a coolant flush and fill. Along with transmission flush and fill and other services to the car. I put {$2000.00} dollars into the car for maintenance and improvements. Also my  prescription medicine that was left in the car was never returned to me. That was a new bottle and unopened. That is around {$1700.00} for a 30 day supply. Also I had placed {$4000.00} dollars as a down payment for the car. The day after Compass bank repossessed the car they contacted the GAP insurance company and closed the GAP insurance policy and kept the refunded amount of money that was used to opened the GAP policy. I also did not have my pair of eyeglasses returned to me they were XXXX framers and lenses they cost me {$600.00} dollars. So that I had used pretty much all my money on this car and Compass bank is expecting me to pay them {$3300.00} They sold my car 2 days after my monthly payment. I just can not afford another car and I will not ever do any form of business with them ever again.
the dates XX/XX/XXXX thru XX/XX/XXXX amounts up to 3000 in interest and extra fees i reached out to the bank of ozarks in regards to a late payment and extra fees. ( there is a time period for payments to be made in a month ) i spoke with the manager and they said for one time they can forgive/waive the late payment. ok i made a payment within the next time period. i get a notice saying i had a past due amount. i call the bank and asked them about the past due amount. they acknowledged an error and said everything would be corrected. 
i then get a 60 day past due notice. with fees and extra interest fees. this was around XX/XX/XXXX. i requested to speak with a manager again and explain the mixup and problem. we also discussed the problem it would cause my credit. they assured me it would be corrected. 
i told the bank i was disappointed with the bad service and accounting errors. i expressed to them that i would like my account to be reviewed, frozen, etc. 
i have tried to communicate with this company many times but the service is bad and their communication is worse. 
i think the company need to get their license revoked. this was by far the worst bank i have done business with.