WillisBack/dataset-financial-user-claim huggingface dataset:
should be removed .. date with red on my student loans is not true, I had always remained in contact with the reporting agencies, and they said they will remove the delinquent status.
During the month of XX/XX/2018, I called my servicer to find payment options for my loan only for the month of XXXX since I was having financial difficulties during this month. The person on the line suggested a forbearance. I asked many many times that I wanted to make sure this type of option will not affect my credit since I have been working for a year to repair my credit. The loan customer service person assured me that it will NOT affect my credit. He submitted the forbearance form. Within a week I get an alert from XXXX informing me that my credit went down 22 points due to my lender reporting a change of total balance from {$300000.00} to {$330000.00}. I called my lender on XX/XX/2018 right away and explained that the previous consumer service operator from their office had giving me wrong information about the forbearance. I told him that I wanted to reverse my forbearance. He said he would do it and that I only had to make my loan payments which I did, I made a payment of {$180.00}. I asked him again if this would solve the problem and he said yes, that I would just have to wait two weeks before my lender reports the original balance of XXXX to the credit bureau. He assured me that my loan interest was not going to be capitalize. But then I receive a letter that my loan is going to get capitalize at the end of the month due to the forbearance. I called the lender again and explain the situation once again, but this time I asked to speak to a supervisor. I was on the phone with her for about an hour. Again, she assured me that my loan 's interest was not going to get capitalized because they reversed the forbearance and the balance they were going to report to the credit bureau was {$300000.00}. She told me it could take from 30 to 90 days for them to report this to the credit agencies. She then suggested for me to call the credit agencies so the change could be done faster. I then call XXXX  at the beginning of XX/XX/2018 and open a dispute with them about this issue. I was sure the problem was going to end here, since my lender assured me that it was a matter of time of reporting my original balance and that my interest was not going to get capitalized due to this error. I just received the dispute results ( XX/XX/2018 ) and my lender is reporting an original balance of {$330000.00} and disagrees with my dispute. I am very frustrated about this whole ordeal since I have been back and forth with my lender with this issue since XX/XX/2018 and I still have this major problem of having a derogatory credit rating due to their negligence about giving me wrong information about the forbearance not affecting my credit and them not informing me that through the forbearance my loan 's interest will be capitalize, thus increasing my original balance and in this way reporting it to the credit agencies thus decreasing my credit by 22 points. I would really ask for your help on this important matter.
I sent a letter to Wells Fargo about a " charge off '' that they are reporting on my credit file. I sent them my account number as it is being reported on my credit file along with my social security number that they have on record asking them to validate the debt that I supposedly owed them. The company proceeded to stall by asking me to fill out paperwork for them to further validate the debt. I sent them another letter in response to their response and they continued to stall. The company failed to mark the account as disputed within the 30 day allocated time frame in which i sent them a third letter asking them to remove the debt from my credit file, because they violated the fair credit reporting act by not marking my account as disputed within the 30 day time frame from receipt of the first letter. They had the account number, my name, and social security number on the certified letters that were sent to them. If their record was inaccurate, they should have removed the debt from my credit report which they have not done. There were 3 certified letters sent to the company and nothing was done about the situation
I have request a copy of signed contract from Credit Bureau Services A and I have reached out to XXXX XXXX XXXX XXXX for a copy of lease that I signed pass 2015 showing that I owe {$7400.00} and still have not received any thing to validate the account
XXXX   XXXX   XXXX  has confirmed in the last 60 days that all of my loans are issued by them.  XXXX  has been fraudelently duplicating the same  Student  loans on my credit report making my balances and debt owed double what it really is. I have no borrowing agreement with this company and they continue to call, and now are sending thick packets of mail with information that does not belong to me.  XXXX  has already deleted all their accounts and updated only   XXXX   XXXX   XXXX   XXXX  . I am also very aware that this company has been investigated and apart of several lawsuits. Please look into this matter and have this issue resolved, because they continue to call and now are sending mail that I have nothing to do with. My only borrower is   XXXX   XXXX   XXXX  . Thank you!! My name is  XXXX   XXXX   XXXX , My balance with   XXXX   XXXX   XXXX   is approximately {$21000.00},  XXXX  continues to report {$40.00},  XXXX  and duplicate same information coming from   XXXX   XXXX   XXXX  .
On  X/XX/17 , I ente red into an agreement with  Professional Finance Corporation att orneys in court to pay a debt in the amount of {$550.00} ( {$410.00} principle, {$55.00} interest and {$130.00} in court costs  ).  This agreement was approved by the presiding judge and agreement signed in court. This amount was paid in full through bank account deductions of {$100.00} eve ry two wee ks. On  XXXX   XXXX , I received a letter from the attorney that I had worked with on this stating the payment was made in full. The issue is that they did not stop taking out funds, but continued taking money out of my bank account after the full amount of {$550.00} was satisfied, and as of today they have taken a total of {$700.00} from my bank account, which is {$140.00} more than the court ordered amount, and this would appear to be illegal in nature.
I tried to make arrangements with a the hospital to pay this debt and was told no I could not make payments then I was contacted by a third party debt collector to set up payments and then it was put on my credit as a debt. I have made arrangements for monthly payments?????
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2018 XXXX XXXX XXXX Last reported : XX/XX/2018 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/2018 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX FL XXXX
I signed up for a American Express XXXX card in early XXXX with an offer of XXXX membership reward points after spending {$3000.00} dollars within 3 months. I met this minimum spend on XXXX XXXX which was confirmed by multiple customer service reps. I was told that according to the terms and conditions, I would have the points available by XXXX XXXX ( after 8 weeks ). I attempted to transfer the points on XXXX XXXX and received an error code. I called Amex customer service who could not figure out what the error is. They said to try again on Monday, XXXX XXXX. I attempted to transfer points to an airline partner and again received an error code. I called customer service who also were not able to transfer the points. They transferred me to a membership rewards specialist who told me there was a hold on my points for XXXX8 weeks which should have cleared by today. The customer service rep looked into it and did not have a reason for why my points were unavailable. He recommended waiting another couple weeks, to check back XXXX XXXX. I expressed my frustration that I had met the spend, waited the entire 8 weeks, and still could not use my points. The representative apologized but stated there was nothing to be done but keep checking back every week.
My husband filed Chapter XXXX, which was discharged in XXXX 2015. XXXX, XXXX was contacted by trustee, but did not respond. We have tried to get them to correct our credit reports ( this debt was fully discharged ). They continue to misreport.
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Navient has repeatedly defaulted my income base repayments to full 10 year payoff payments without interacting with me causing sudden dramatic rises in my monthly payments. I have asked them to return me to income based repayment and submitted proper documentation only to be told over the phone that my submission was too near the payment date to go through and that I would have to take a monthly forbearance. I have been told that there is no way I can achieve a lower interest rate unless I consolidate with another servicer. To service the interest on my loans without paying down the principle it is approximately {$1600.00} a month. Every month I 've had to take a forbearance on has increased my principle by over {$1600.00}. When I have inquired to which option makes the most sense for my economic situation I receive a list of the options and the benefits of each, but no answer as to which program would be in my best interest. As a result of this debt burden from the interest alone I am finding myself in a position that makes it impossible for me to accumulate necessary capital to start a XXXX to try and pay down my debt, and I can not service the full amount to pay down the debt in conjunction with mortgage payments and savings for retirement into my XXXX or IRA. 

When I received my loans I was told that I would be a XXXX and that I would be able to achieve a salary capable of paying down my principle and lead a great quality of life. The interest rates were downplayed and refinancing was stated to be an option. What nobody told me was that refinancing to a lower interest rate would remove my federal government protections such as forbearance. Now I am in a position where I need to either finance my {$300000.00} of student loans between XXXX and XXXX at an average interest rate of 7.2 % or change to a private loan servicing agency and lose all of my federal protection, potentially destroying my credit and any ability to eliminate my debt. 

I attended XXXX. I was told during orientation on the first day that my education would provide me an income which would service my loans. I can not afford to pay down the principle of my loans as a XXXX.
On  XXXX   XXXX ,  2017 , I sent Transunion a lette r 3 wee ks prior regarding several inquiries that were not authorized by me. I wanted to check the status the representative then sent me to a supervisor. Supervisor was extremely rude. I asked him if any of the inquiries were coming off because I am going to open a new account but do n't want them to open the account and issue me high interest due to inquiries that were not mine. He told me none of the inquiries were coming off. I advised him several times that they were not authorized by me. He told me to contact the companies, which I already did. Those companies advised me to dispute with Transunion. He told me he and the company refused to delete them. He advised me to make a police report. I do not have time to make a police report for something that happened without my conse nt 1 or m ore years ago. I tried to explain this to him and he completely refused to honor my request. I am trying to rebuild and establish new credit, these inquiries are preventing that.
I normally monitor my credit through   XXXX   XXXX  ,   XXXX   XXXX   XXXX   and now   XXXX   XXXX  . I noticed that there was a social security, address, na me ( s ) linked to my credit that were not mines. After speaking directly to the credit reporting agencies they removed the social along with the address. However,   XXXX   of the names remained on my credit. The agency explained that they were unable to remove the name because it was linked to a account and I will need to contact them directly. After contacting one of the companies I brought up my complaint and their response was " the account is to old to do anything and it should come off soon anyways '' but like I explained its showing as a bad report. Plus the card was closed and re-opend under a different name. She stated there was nothing they can do about it! And to this day I still have   XXXX   different names linked to my credit report under personal information incorrectly! The only thing that changed was my maiden name! In my credit report and apparently linked to my account ( s ) And also I am unable to pull my credit report directly from Equifax because its unable to verify my identity. Please I need someone to fix my problem. I already filled a complaint for the credit card agency. But I was this problem resolved on my credit report.
Unethical billing practices, no resolution. I have counted over XXXX overdraft and/or NSF fees within 2 months. I have decided not to use Wells Fargo for anything and have chosen to discontinue my direct deposit due to them pretty much robbing me constantly. They give you a false account balance and also have payments come out sometimes a week later, when there are not enough available funds in the account to cover, resulting in numerous overdraft fees. They mistakingly charged me a few times and realized the mistake but other than that, they never want to resolve the issues. If the funds are unavailable in my account, why do they continue to let any bill payments or merchants charge me, they let the fee ( s ) go through, then they reject them all the while charging me a overdraft fee as well as NSF fee, this is ridiculous.
To whom it may concern This letter outlines the struggle I am having dealing with Round Point Mortage in getting them to release funds to pay the contractors I have used to repair my house dealing with a claim from damage from a hail storm on XX/XX/2018. My insurance company issued a check for the damage to Round Point Mortgage and myself. I signed the check and forwarded it to Round Point as they wanted to control the release of the  funds. 
I have been contacting local contractors to do the work, but with all the damage from the storm it has been difficult to find contractors with time to perform the work. I did however find someone to remove and replace the roof of my house and my garden shed. I have forwarded the invoice to Round Point for this repair, but they refuse to release the funds to pay my roofer. I am asking for help from you to get the money to pay the company who fixed my roof. Some of the struggles I am dealing with is each time I call them, I sit on hold for hours and they request additional information. I send them the info requested, but their policy is that it takes 5-7 business days to surface in their system and another 3 days for someone to review it. Each time this happens, it adds another 2 weeks that my bill is delinquent.
I contacted this credit bureau XX/XX/2016. I disputed regarding a company called XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was the alleged original creditor. They were removed from my credit report. XXXX XXXX XXXX has not responded to my certified mail request for verification. The original creditor , XXXX XXXX, did not respond to my request for information and it has now disappeared from my credit report. I followed the protocol according to what the bureau put in writing. The sound of crickets is the response from the original creditor and collection company. They have not provided written documentation of how they obtain ownership or assignment from XXXX XXXX. XXXX XXXX XXXX has gone from being a disputed company to outright unethical or even outside the lines of compliance with consumer rights. I thought this was deleted from my credit report in the past. This collection company has now appeared on my credit report with a new account number, new total that is {$2500.00} more, new interest being charged, and now seemingly appearing as a newer past due history which lacks any information regarding the payment status from the date they are claiming as the reported date. I wrote to the credit bureau by certified mail. What has the bureau done? They have just continued to update incorrect information. There is nothing stating this is disputed. There is nothing provided to me showing how this is my debt. I have asked several times for this removal from my credit report. I thought the credit bureau was suppose to report accurate information. If they are obtaining new information from XXXX XXXX XXXX, I want to know what is it? I checked this past summer and as late as XX/XX/2016 on California 's Secretary of State 's web site for business entities XXXX XXXX XXXX is listed as a dissolved entity. How can the collection agency obtain any recent information from the original credit when the original creditor is no longer a registered entity in the State of California? Is this credit bureau going to continue to ignore that the collection company is not abiding by credit laws by charging interest? How can a debt that was disputed at a little more than {$4500.00} turn into {$7000.00} with a new account number not be reporting false information?
I tried getting a home loan and was denied due to wrong information on my credit report. It states I was 90 days late on my XXXX XXXX credit card which is incorrect. I contacted XXXX XXXX and I have never even been 30 days late on my payments.
Every month I receive a collection notice from this company. The debt incurred because the medical people and the insurance company were not speaking. It has been taken care of, The bill was finally paid by ins. in XXXX.
I 'm in their system and automatically get these notices every month ( sometimes every few weeks. ) The medical office said I was not in collections. Yet they keep coming.
I called once and got a very nasty person on the phone who left me on hold for 10 minutes.
I 've written and told them to stop.
Bill was paid. Make them stop.
we have been trying for a very long time to get thing removed from mine and my husbands credit reports. We got letters from the court house and put a freeze on our  XXXX  account  on   XXXX   XXXX  , 2017. I then sent a letter to Equifax asking them to verify bankruptcies on our accounts, and th en on  XXXX   XXXX  ,2017   we receiv ed a letter from Equifax saying that they have verified the information with  XXXX . I contacted  XXXX  and they said that no one has contacted them to verify any information in that time frame and where there is a freeze on the account that they would not have shared any information. I contacted Equifax on  XXXX   XXXX ,  2017 and  they said that they do n't use  XXXX  and I told them that on the letter they sent me that it says that they did. Then they tried to tell me that they got it from the court house and I told them that I have a letter from the court house and they do n't do that. The gentleman then said let me recheck, he got back on the line and said all that we could do was to file for a dispute. I have the whole conversation recorded on my phone.
General Revenue Corporation has been aggressively calling my ex wife and her other family members and her other children to get information about me. They are harassing them very aggressively this has been going on for the past week ( todays date is XXXX-XXXX-17 ). 
The folks they are calling are within my family and my ex-wifes family who are not blood relatives of mine. Please ask them to cease and desist.
I keep getting calls from : global credit and collection corporationwith phone number:XXXXto number:XXXXThese calls have been going on for 4 years. I have told them repeatedly that I am not XXXX XXXX and to remove me off their calling list
On both my equifax and XXXX credit report XXXX has listed that my account balance is for my auto loan is {$31000.00}. That vehicle was sold and the loan paid. I am no longer responsible for that account and would like the status on my reports to reflect that
My wife rented a car from XXXX. A tire blew out and the car had to be towed. To our shock, we both saw the car with the flat, more than 14 days later, XXXX produced pictures of damaging they say totaled more than {$3000.00}. We demanded pictures and proof from the next day. Never produced. We demanded our insurance company call " bull '' on the attempt to fleece them and ultimately damage us with a higher insurance premium. XXXX XXXX did not, to our chagrin, and paid all but the deductible of {$250.00}. We have paid it to avoid a report on the credit bureau since a bill collector is chasing us now. 

I am a XXXX ( XXXX ). I see true value in your mission based on these continuing attempts and successes of businesses candidly XXXX consumers unfairly and without conscience. In particular, we have heard too many stories of car rental companies fleecing thousands of dollars from its clients. Enough is enough. 

Thanks for viewing.
I have no knowledge of this account, I have never had an account with XXXX XXXX company.