WillisBack/dataset-financial-user-claim huggingface dataset:
Hello my name is XXXX XXXX XXXX. I have a complaint against Equifax. I was a victim of identity theft 8 years ago. I went to view my credit report for the first time in XXXX 2016. I notice that I had items on my report that was n't mine. I began disputing them. When it came to the inquiries I was told by Equifax that I neede to contact and or write the creditors because they was not responsible for disputing inquiries. I really could n't understand that, considering they disputed the accounts. So I went to the information that the creditors had for the inquiries. Addresses and or phone numbers. Some did not even have phone numbers. However I wrote each and every company. Disputed that I did n't authorize for a inquiry to be ran and please delete from my credit report. I received letters from companies saying either it should n't been a hard inquiry or they have no records of me on there file. I also got several letters back from the post office with insufficient address and addresses that do n't exist. I sent copies to Equifax from the companies and Equifax said they was n't going to remove them. I told them that I did what y'all ask. I send proof and you still wo n't delete them. I trying to figure out how can I do he same thing twice. Some of the creditors do n't even have the correct info. Pleas help me resolve this matter. I did what was asked and they are still treating me bad.
You have 30 days to remove this from my file. They wrongfully pulled the wrong social security which linked to my actual account. This is NOT a factual record and I am demanding you guys remove this from my credit report, Or Ill seek Finanical Damages as this pulled 5 points from my credit file. I spoke to XXXX XXXX XXXX and they already sent you an email demanding you remove this from my credit file. 

However my credit file still shows this on my record - It was not " factual '' it will NOT stay on my credit file for " two years ''. The next step after 30 days I will seek an attornery and sue you in court. The point of contact was XXXX from XXXX XXXX I attached the emails she sent out - She also contacted XXXX, TRANSUNION, XXXX  and told all three of you that this was fraud and to remove it from my file back on XX/XX/2018. They told me it would take 72 hours to reflect my credit file, You profit off of bad credit so I am demanding the removal within 30 days.
This debt was first incurred in XXXX 2013. I refused to pay the creditor rent in the form of cash because of lease and data breach. The conflict started when I transitioned to the property who in turn denied my form of payment was accepted at their company. I was a section XXXX tenant. I was told after section XXXX not only inspected the unit, but began sending payments to XXXX after the rental agent accepted my voucher in order to recieve those abatements on my behalf from the housing choice voucher program in XXXX, Florida. I discovered They illegally shared and sold my information to debt collectors ( whereabouts and known income source ) and were caught a part of an illegal debt collection ring. Because of them I was sued for criminal theft by a bill collector for a unpaid credit card bill XXXX XXXX court but the charge was dropped because the judge deemed it bogus and missappropriated. The lease was then breached by the collector XXXX XXXX XXXX who turned down any further payments in the form of section XXXX abatements from XXXX. and blamed the XXXX XXXX that XXXX XXXX XXXX was owned by and they then demanded another form of payment from me immediately after and then they demanded to me turn the property over unless i pay the full amount of rent on the balance. 

So this debt was incurred for the following consumer related issues : *Data Breach *Illegal Debt Collection Practices *Breach of Lease All resulting in public records & court libel, harrassment, loss of assets and property and other incurred debt, expenses, loss of time and psychological damages. 

I feel that after this experience that XXXX should dismiss this action for collection based on the true facts. Their rental agent signed into a lease agreement accepting section XXXX from XXXX XXXX XXXX and then the manager turned down the form of payment after. XXXX did NOT get paid because they did NOT accept my " form of payment '' ... ... After mind you entering into a XXXX party contract that clearly states section XXXX pays this portion ... ..
On XXXX XXXX XXXX, I was the victim of identity theft. Someone used my Social Security Number and tried to open a XXXX XXXX credit card and a XXXX credit card. The accounts were denied and I received a letter from both companies stating what had happened. But, they are now on my credit report as " hard inquiries '' which they say could be on my report for at least two years. I plan to purchase a house in XXXX and I would like to have the best credit score as possible and this is severely impacting my Equifax score. I had no control over this situation, so I am hoping this could easily and quickly be removed. Thank you!
I received loan disbursements in  XXXX - XXXX  from Navient to go to school in the amount of {$14000.00}. I deferred payment for a few years upon graduation. When I started repaying my loans back in   XXXX   Navient charged me over {$5000.00} in capitalized interest. This brought the balance of my loan to {$19000.00}. Since making monthly payments on my loans starting in  XXXX  I have paid in excess of over $ 8000-9000. My balance has never gone down below {$19000.00}. It has consistently stayed at or around {$19000.00} for the last 6 years. In  XXXX  of   XXXX   ( not by choice ) my loans were transferred over to  XXXX  ; The amount transferred to   XXXX   was {$19000.00}. This means that in 6 years the {$8000.00} + that I paid to Navient only {$390.00} was actually applied to the principal balance of my loan! At this rate I will die before I can ever pay off my loans. It will literally take 495 years to pay off this loan. Can someone please investigate if Navient over charged me and will I get the amount paid, applied to the balance of my student loan or will I be reimbursed for overpayment?
Have been repeatedly called by a collection company telemarketer looking for a person I do not know. I have explained this to the callers XXXX times. I have no unpaid debts nor have I ever.
I had a Bank Of America credit card account for several years and always made my payments on time using their online payment system. XX/XX/2017 I went online to pay the full amount off and instead of using my personal bank to make the payment ( which was the one confirmed in the system ) they used another BOA account I held jointly with an ex which was closed. The system then defaulted to this account and then my reoccurring payments got bounced back as well. They apologized and admitted it was their error. I worked with their tech team to reset up the bill pay and they confirmed they would take what was posted to my credit report off but never did. Then come to find out the system again defaulted to this old card instead of the my personal bank and the situation happened all over again. I sat with a tech person AGAIN and got it set up and payments back up. He apologized and acknowledged it was a fault with their system. Through this whole process they have been charging me late fees and posting to my credit report. I just sat with them on the phone again, for hours, and they said they cant confirm fixing what was posted to my credit report. Now my credit has dropped XXXX all due to their reports when this whole issue is a fault with their online management system.
I have sent all proper documentation required by all the credit bureas to remove the fraudulent information from my account. They have removed some of the accounts but not all. The ones that remain are   XXXX   XXXX   opened  XX/XX/XXXX  with a balance of {$1000.00},  XXXX  opened  XX/XX/XXXX  with a balance of {$480.00}, &  (   XXXX  )  XXXX   XXXX   XXXX  accounts  XXXX  opened  XX/XX/XXXX  with a balance of {$40.00} each.
I have a reporting on my credit reports in collections that states I owe {$1800.00} to XXXX at XXXX. It was opened XXXX. It was last reported XXXX. It is stated as an individual responsibility. It is from Professional debt mediators. I do not owe this debt.
My wife and I received a letter from XXXX XXXX XXXX of Global Home Finance stating that he could finance us a house with a 3.990 % on a 30 yr. fix rate so I called him at # XXXX ext XXXX .I told him that I needed a realtor, so he put me in touch with XXXX XXXX XXXX. # XXXX to help us find a House, I told him that I was a Veteran and that I wanted to use my VA loan 100 % financing and he said that I could and I got with XXXX and she found us a house at XXXX tx XXXX told us that we had to have {$1500.00} earnest money and I said that I thought this was 100 % financing, she said that they was just going to hold the money until we close on the house and then I will get it back, so I wrote her a XXXX check to the Title company as earnest money, then she said that I had to pay {$350.00} for inspection fee, I paid that. Then XXXX told me that I had to pay {$570.00} for appraisal fee I paid it off of my Credit Union card, as time went my truck broke down on me and I had to get a little car to drive to and from work and I called XXXX and ask him was that going to hinder me from getting the house, he said no and that they could work around it, so I stated ok lets go on then, then they said that the owner had to repair some things on the house and that we was going to close on XX/XX/XXXX and problems started to occur, and the owner was requested to repair more on the house and the week we was suppose to close on the house, my wife and I starting packing because they said that we had the house. Then XXXX stated that he was going on vacation and that his team members can help me close on the house and that everything look good ..then XXXX XXXX XXXX. spoke with me after they had me to sign the Documents and said that everything was good and that we could close on the XX/XX/XXXX then the day before closing he called back and stated that I could not close because I had to pay the car off at XXXX ... and I stated that you guys told me that everything was good and he said that he could not finance me at 3.990 % but that he had to go up 4.125 % or something then he debited my Credit card without my authorization for {$200.00} I called the Credit Union and they said that Global Finance credited my card I told them that I did not consent to that ... and the man said that he would block the card so that they could not credit it again ... Then I asked XXXX if I could get my earnest money or all of my money back and she stated no they are not going to give your money back ... and I told her that it was not my fault and they agreed to that, then she stop talking to me and I called XXXX to confront him again about the situation and he hung the phone up in my face because I asked him who told him to credit my card..so I want to know if I can get some of my money back .... 
Kindest regards, XXXX phone # XXXX
I have made an agreement with this debt collection billing company to pay off my debt. I have sent them a letter asking them to REMOVE my negative debt once it is paid off. It has been TWO months since I've recieved an answer. This is a basic right. I would like you guys to contact them and have them get this done. Please. 

I have made and agreement every XXXX and XXXX if the month I will pay XXXX $ for the exchange of this being removed from my credit. On XX/XX/XXXX, they accepted my offer. My last payment was made today XX/XX/2018. I am referring to XXXX. It also states on XXXX i owe XXXX but on their website where i make my payment it says XXXX. I want my money back if they are stealing from me. Please resolve this. This is fraud on their end. Thats a XXXX $ difference in my pocket. 

File Number : XXXX Creditor : CAVALRY SPV I , LLC, AS ASSIGNEE OF XXXX XXXX XXXX XXXX 
Total Due : {$810.00}
Navient continues to call me despite my being current with my min. payments and after I 've asked them not to call.
Ive been banking with TD bank for a couple of years now and I usually dont go thru my online statements but recently when I logged on I see a {$35.00} charge even after the fact that my funds are posted next business day. But Im checking my statement for XXXX 2017 and Ive paid {$660.00} in fees and the rude customer representative is gon na tell me theres nothing they cant do..well Td you have just lost a loyal customer
I emailed Mobiloans on XXXX/XXXX/XXXX to close and settle the account. Mobiloans replied with a settlement amount of {$700.00}. I stated the settlement amount should not have any interest or fees added and I wanted to be reassured of that. I was never given the interest rates or fees or how much the payments would be applied to the balance. I have made a total of {$870.00} payments to Mobiloans and I still have an outstanding balance. Mobiloans responded to my email twice stating The issue you 've described in your email may be resolved more efficiently if we can speak with you. I stated in my original email that I would only respond by email. I have spoken to Mobiloans Customer Representatives before and they have given me misleading incorrect information. I stated in my original email to to have the ACH Revocation stopped to have them stop debiting money out of my account. I received a reminder from Mobiloans stating that I have auto pay and that they draft the minimum payment to be drafted on XXXX/XXXX/XXXX. Mobiloans stated in the email that they have stopped automatic payment drafts from my checking account as of XXXX/XXXX/XXXX. I am getting no where with this. I am submitting supporting documentation such as emails and payment history. Please HELP!
AARGON Collection Agency XXXX is now continuing to harass me via my cell phone for a {$150.00} debt that was paid to another agency, XXXX XXXX XXXX XXXX on XXXX/XXXX/2015 through their XXXX XXXX XXXX XXXX XXXX payment website. The original debtor is XXXX XXXX Hospital XXXX. I have already filed a complaint against both XXXX XXXX XXXX and XXXX XXXX Hospital in XXXX 2015 for this very same problem. Please refer to the following CFPB case number : XXXX. Either XXXX & XXXX and/or XXXX XXXX Hospital has now sold this note to AARGON instead of acknowledging the fact that they have been paid as of XXXX XXXX, 2015. I also received a bill dated XXXX/XXXX/2015 from AARGON still showing an amount owed of {$150.00} to XXXX XXXX Hospital. The harassment from XXXX XXXX XXXX has stopped but it seems to me that XXXX XXXX Hospital continues to break the law by trying to collect on a debt that has already been paid for.
XXXX accounts in collections were paid in full, but still showing as open/unpaid on my credit report.
I can not get a response regarding a purchase interest charge that is ongoing on a disputed amount with Chase. Each month, another purchase interest charge is added. I 'd like to attached a letter and attachments to XXXX XXXX at Chase. In his response to me, he said to call if I had questions or concerns and I do. HOWEVER, after calling several times, leaving at least XXXX voice mail messages, he chooses not to return. I have e-mailed and faxed him today about the last purchase interest charge. The disputed amount was {$1200.00}. On XXXX XXXX, 2016, Chase charged another purchase interest charge of {$14.00}. The account is being paid in full on or before the due date of XXXX/XXXX/2016. I would not like to be continuously charged a purchase interest charge. You are the only ones who can stop this. Thank you.
XXXXXXXX XXXX XXXX still reporting open with a balance on my credit reports. The account was paid off on XX/XX/2018 which is well over a month from now. This is a violation of the FCRA federal law and I will seek litigation if this issue isnt resolved immediately. The account should reflect paid in full with a XXXX  balance and never been late!
I applied to XXXX University in XXXX XXXX, CA. However, I never attended any XXXX at the XXXX. I spoke with someone from the XXXX and informed them I would not be going there after all. They said I would be dropped from classes that they signed me up for. Now they have sent me to collections for {$5000.00} in tuition costs for an education that I never received. I never attended any classes at all.
This is my second complaint against the Company Navient ; I have seen their response and was forced to place a second complaint on the collections agency. I have just received an email from Navient and was told that my taxes may be deducted. If CFPB ( consumer financial protection Bureau ) did not have a section to file a complaint against any sort of company or enterprise or franchise then we as students may never recover from debt collectors. To educate oneself is to free their mind and being in debt is stressful for ; above average percentage of college students. Badgering and threatening a learner is not abiding. I am willing to pay a settlement that I can pay in which your company Navient has not given me the opportunity to do. {$80.00} every two pay periods should not be a difficult payment arrangement to agree with. I just want my loan paid off and my living expenses up to par. 

Humbly Written, XXXX XXXX Furthermore It is best to reach me via email at XXXX ; my work hours get in the way of phone time.
XXXX XXXX XXXX To : FSAOperations XX/XX/XXXX at XXXX XXXX   XXXX XX/XX/XXXX at XXXX XXXX To the U.S. Department of Education ; I seek loan forgiveness ( discharge ) based on borrower defense to repayment. 
Currently I have an XXXX XXXX as a XXXX XXXX XXXX XXXX XXXX from XXXX. 
I XXXX XXXX XXXX ( XXXX ) believe the XXXX School committed fraud by doing something or failing to do something, misrepresented its services, or otherwise violated applicable state law related to my loans or the educational services I am paying for. 
The government on Thursday XX/XX/XXXX essentially made the case that XXXX has done that, inviting former students to request loan forgiveness. 
As a current job seeker, I worry that my degree has been discredited. I also consider the cost I am paying way too expensive for what I got from the now defrauded, since-shuttered for-profit chain. 
I fear that my education is being devalued by XXXX 's impending collapse. The schools misconduct forces me into this cause of action because it directly relates to the loan or to the school 's provision of educational services for which my loan was provided. 

Sincerely ; XXXX XXXX XXXX XX/XX/XXXX SS # -- - -- XXXX Address - XXXX XXXX XXXX, XXXX, IN. XXXX XXXX - XXXX ( XXXX ) XXXX email XXXX XXXX - XXXX, XXXX, OH. 
Program of Study - XXXX Recieved - XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) Degree Dates of Enrollment - XX/XX/XXXX to XX/XX/XXXX I am replying to whom it may concern ; Please contact me at XXXX or ( XXXX ) XXXX, have you settled my case? Do I still owe over {$14000.00} on a degree that the Federal Government backed and now the accredited XXXX XXXX no longer exists? 

I need you to verify Navient 's statement : XXXX XXXX XXXX, the payment term for your loan ( s ) has changed. 



Next payment amount : {$130.00} Next payment due date : XX/XX/XXXX This payment schedule replaces all previous schedules for this loan ( s ) and doesn't include any past due amounts. All of the terms of your original Promissory Note ( s ) remain in effect. 

Payment terms usually change for one or more of the following reasons : The deferment or forbearance period during which you have postponed making your monthly payments is about to end.
I signed up for a PayPal account through their online portal. At no point did I authorize or give information for a line of credit through PayPal. Without my permission, PayPal did a hard credit inquiry on me and opened a line of credit in my name. I closed the credit line immediately upon realizing, which was extremely difficult to do as PayPal customer services was evasive in my attempts to close the account. I am now left with a hard inquiry on my credit report, and as a young person without longstanding credit, this inquiry is causing a decrease in my credit score.
I got ma letter from XXXX. It 's for XXXX. I believe it 's XXXX. I have not had this account open with them in 8-10 years? It was charged off with no payments made if it is this debt they are trying to collect
Synchrony bank account number XXXX. I bought a washer and dryer from lowes in XX/XX/XXXX, interest free. I received a few statements but in XX/XX/XXXX the statements stopped coming. I went to Lowes to check on my account and they did not have any record of the account. I thought the account was paid in full. 
I recently filed a complaint with the CFPB on another synchrony account, and then I received a notice from XXXX XXXX XXXX. on this account for XXXX. The original line of credit was for XXXX.
I was alerted to fake accounts in my name at HSBC bank. Upon calling and writing I recieved no resolution or response from them.
On XX/XX/XXXX, my XXXX XXXX XXXX was repossed due to hardship. I contacted Prestige Finance company and spoke with XXXX XXXX, she stated to me what i needed to pay to retrieve my vehicle and that was the all we talked about on Monday. 

I then called back on Thursday at XXXX XXXX, where I paid the debt to retrieve my vehicle back. Ms XXXX emailed me a form to fill and return back to her, and she still never told me where my car was being held. I emailed her at around XXXX because i still haven't heard from her about my vehicle. She sent me numbers to contact individuals where my car was and where i can retrieve my belongings along with my tags. So when i called the number which was to XXXX XXXX, when talking to XXXX he asked me about my tags and i told him my tags should be on the vehicle. So I called Ms. XXXX back to inquire about this infomation. She said they do this to protect your belongings just in case the car get sold. I told her she didn't follow Md laws pertaining to my vehicle. The car had no business being at the auction, according to Md law I had up to fifteen day to retrieve my vehicle from the repossession place. 

When I called XXXX on Thursday at XXXX or XXXX, they were closed, so i call Friday morning at XXXX. Thats when XXXX told me about my tags not being on the vehicle. Then i had to make an appointment to retrieve my vehicle which not until Monday. 

Ms. XXXX never discuss to me where my vehicle was located and how long i had before they sent it to auction. The company never followed Md laws with notifying about my vehicle. I spoke with XXXX. XXXX supervisor, she then told me that thd didn't have to disclose that information about the vehicle.. 
Needless to say, i dont have the vehicle until Monday and i have to {$50.00} to retrieve my tags before i pick up my car.. 

This is so unfair to me because the day I paid to get the car is the same day it was towed to the XXXX XXXX XXXX. And again i was not informed of any of this ...
Upon looking into my credit report I discovered I had a debt for Home Depot " THD/CBNA '' with a debt of {$370.00} from XX/XX/2005 and I still have the account and my account is up to date.
On XX/XX/2018 I paid the balance off on an American Express Credit card. The payment was received before the the due date and I closed the account. I have had a lot of trouble with American Express and decided to just cancel the account and pat it in full. I just received another statement for information interest. I called and customer service explained that it was interest on the account from the time it was mailed until I paid it. I explained that I paid it online and the amount at was paid was the total amount of the statement. This is ridiculous, I have several other credit cards and when they are paid in full on time, there is no interest charged.