WillisBack/dataset-financial-user-claim huggingface dataset:
Franklin Collcetion Services has been trying to collect on a {$650.00} medical bill ( all 3 credit reporting agencies have this debt on my credit reports ) when this was paid by XXXX and I have sent the claims and XXXX summary notices to Franklin. I also contacted the hospital who the debt was original from and they told me that they never sent a collection in that amount to Franklin.
I have disputed this account as inaccurate. TransUnion and XXXX continues to report this account on my credit and has responded that the debt was verified. How is that possible? What was your method for verification? Who did you contact? I have contacted XXXX XXXX myself regarding the account mentioned and have been unable to get them to verify that this is indeed my debt. 

I have attached copies of the correspondence I received from XXXX XXXX after asking them to validate this debt. In response, XXXX XXXX is asking me for my personal information such as social security number, my full name, full card number, my address along with a detailed explanation for my request. They are the ones reporting negative information on my credit report. Shouldnt they have this information already? They have my name, current address, and the card number yet they continue to ask me for additional personal information. Apparently, they do not have any information on me. This debt is not mine and I was not given any evidence of my obligation to pay this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is clearly a case of unverified debt. I advise XXXX XXXX ( TransUnion & XXXX ) to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages & declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to resolving this matter ASAP.
This complaint relates to the credit card issuer improperly charging interest on a cash advance and failing to apply payments to the highest interest-rate balance first, as required under the federal Credit Card Accountability Responsibility and Disclosure Act of 2009. 
I have a credit card issued by USAA Federal Savings Bank, issued in XX/XX/XXXX, that was offered with an introductory 0.00 % interest rate on balance transfers through XX/XX/XXXX. 
I made XXXX balance transfers to this card, XXXX for {$12000.00} on XX/XX/XXXX, and XXXX for {$6000.00} on XX/XX/XXXX. Both of these are subject to the 0.00 % interest rate. 
Additionally, on XX/XX/XXXX, I used the card for a cash advance of {$2500.00}. That cash advance is subject to an APR of 8.9 %.
On XX/XX/XXXX, I made a payment of {$1000.00}. On XX/XX/XXXX, I made a payment of {$2500.00}. Neither of those  payments were applied in full to the cash advance. Instead, only {$600.00} was applied to the cash advance, and the rest of the payments were applied to the zero-interest balance transfers. 
When I spoke with USAA customer service representatives on the phone, once in XX/XX/XXXX and again onXX/XX/XXXX ( after receiving the latest bill ), they said that the payments were being applied to the earliest charge first ( the balance transfers ), and would continue to be so applied until those are paid off in full, and would only be applied in full to the cash advance balance after that. In the meantime, they informed me, USAA intends to continue to charge me interest at an 8.9 % APR on the cash advance. 
I pointed out to the USAA representatives that such a policy and practice is violates the federal Credit Card Accountability Responsibility and Disclosure Act of 2009. That law clearly requires credit card issuers to apply any payments in excess of the minimum to the highest-interest balance first. That law explicitly includes cash advances. 
Since USAA has declined to correct this misapplication of my payments, and is continuing to improperly charge me interest, I am requesting the help of the CFPB in having them immediately adjust those payments to apply them retroactively to the cash advance rather than the 0.00 % APR balance transfers, and to have USAA reimburse the improper interest rate charges of {$15.00} made on XX/XX/XXXX, and {$14.00} made on XX/XX/XXXX. 
I also request the the CFPB ensure that USAA is not improperly charging other customers interest and improperly applying payments to balances chronologically, rather than according to which has the highest interest rate.
Some background : I graduated in XXXX XXXX and 6 months after, in XXXX XXXX, I was expected to start repaying my loans. In attached documents you will see the principal amount, interest rate, and monthly payment amount. The job market has been tough, so I have been working several part time jobs, XXXX XXXX to make ends meet and have been trying to find salaried work for about a year and half. No luck, so I plan to obtain a XXXX certificate and become a XXXX in the coming year to two years. 

Since I have been expected to start making monthly payments, I think I have been able to make a total of 4 or 5 payments. SoFi has worked with a little bit, they granted me two 3 month long Economic Hardship Forbearances and these have helped immensely. However, there is a limit to how many of these you can be granted throughout the lifetime of the loan. ( As a side note, none of the representatives I ever talked to informed me the there was a limit on the amount months you could be in Economic Hardship Forbearance. Luckily, I read this in the fine print randomly on their website. ) I have used 6 of the 12 months allotted for my loan lifetime and am weary of using the other 6 when the lifetime of the loan is so long. I ca n't guarantee that I wo n't be in a similar financial hardship in the next 20 years, so you can understand why I want to avoid burning through this forbearance allowance in the first year. 

For XXXX XXXX, I have been unable to make the monthly payment. I was doing fine until we hit the slow season at work ( XXXX XXXX during the holidays is hit or miss, for my job unfortunately it has turned out to be a huge miss ). So I called SoFi today  ( XXXX XXXX, XXXX ) to inquire about ways to lower my monthly payment. They forwarded me to XXXX, the company that works with them to process all payments. I spoke to XXXX who said my only options are to either 1 ) refinance or 2 ) apply for an economic hardship forbearance ( the  forbearance I described above ). I explained to him that neither of those options are reasonable because one, refinancing requires a hard inquiry on your credit ( which isnt worth doing when nothing drastic about my financial status has changed since the original financing of the loan ) and two, for the reasons mentioned above, I do n't want to use more months of the economic hardship forbearance. 

I then inquired about an income driven repayment plan to help adjust my payments to the income I 'm making. He reminded me these types of plans are only for federal loans, not private ones and basically said, sorry, youre out of luck. He told me to have a good evening and the phone call ended. This conversation unfortunately mirrored past conversations with SoFiXXXX where I left feeling hopeless and even more stressed out about the looming monthly bill.
I seem to keep having a problem with Equifax with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf. 1. XXXX XXXX  ( XX/XX/XXXX ) Not Mine 2. XXXX XXXX XXXX ( XX/XX/XXXX &XX/XX/XXXX ) These are not mine
XXXX, a company in XXXX, California posing as a collecting agency for JP Morgan Chase bank, collected money I owed Chase bank but did not pay this money to Chase bank. Chase bank denied XXXX was their collecting agency.
I made a dispute on XXXX accounts from XXXX XXXX XXXX through Transunion. The XXXXaccounts were generated on the same day, XX/XX/2013. These accounts were completely paid off ; XXXX account was removed and the other XXXX remains on my credit report. I have written several letters to XXXX XXXX XXXX and Transunion, requesting the other XXXX accounts to be removed also. I have been unsuccessful at getting a legitimate answer for my requests.
THIS IS THE SECOND TIME WITHIN A FEW WEEKS THAT I AM FILING A COMPLAINT AGAINST CITIBANK RELATED TO AVAILABILITY OF FUNDS. 
There are two issues that happened today : 1. Citibank refused to give me a cash advance from a Citibank brand 's Sears Card because I was missing my New York State Driver 's License with me even though I am a customer of the bank and have been in the branch where I tried to do this at least 20 times. They would NOT accept any other form of id and knew that my account might become overdrawn without this cash advance where they could charge return item fees as well as have me incur fees from the payees of these items which could result in fees of over {$60.00} per item. They know that my checking account has a XXXX balance because of issue no 2 below. I even had them contact the executive response unit that dealt with the CFPB complaint I filed a few weeks ago and they would n't relent on this issue. I WANT TO KNOW IF THERE IS ANY FEDERAL REGULATION OR GUIDANCE ON THIS MATTER FROM EITHER THE CFPB OR THE COMPTROLLER OF THE CURRENCY OR THE FE4DERAL RESERVE OR ANY OTHER STATE OR FEDERAL AGENCY. 
2. A merchant XXXX near the town I live in XXXX NY charged a debit card for my wife this morning XX/XX/XXXX even though I asked them to use a different card which brought my available balance to XXXX. The merchant agreed to reverse the transaction and put the charges on a different card but Citibank refused to release the funds even after confirming with the merchant that the charges were being reversed. In the past when I had this problem Citibank cooperated in doing this but now claims some rule of Mastercard effective XX/XX/XXXX does n't allow them to do this. This is putting me in the same situation of having items returned for insuffcient funds. I WANT TO KNOW IF THERE IS ANY FEDERAL REGULATIONS OR GUIDANCE ON THIS MATTER FROM THE CFPB, COMPTROLLER OF THE CURRENCY, FEDERAL RESERVE OR ANY OTHER STATE OR FEDERAL AGENCY.
For about a year now, I continue to recieve multiple telephone calls on a daily basis from Portfolio Recovery seeking persons that I do not know, that I have no affiliation with, and nor do they live at my residence. I have informed Portfolio Recovery numerous times that they have the wrong number, and perhaps the people they are attempting to contact had this telephone number before myself. However, I continue to recieve multiple daily calls from this company. At one point someone also called me on my cell phone asking for the same persons, and also provided me with sensitive information about the person to whom they are seeking.
All the sudden appear this Medical Debt Collection in my Credit Report, per my investigations they were billing to XXXX XXXXit sounds familiar to me, until I discover that I am under XXXX XXXX in the Credit Report with the XXXX Credit Bureaus XXXX, XXXX, XXXX XXXX. 

Coachella Valley Collections pick up XXXX XXXX which is not my legal name, I am XXXX XXXX under Social Security, XXXX and my Private Health Insurance, my US Passport. Therefore there is a question mark here why are they billing for XXXX applied to me XX/XX/XXXX I have been home, also that I saw a Doctor that even do n't know who he is. I got my team of Doctors treating me. 

I am in this battle since XX/XX/XXXX, XXXX IS THE ONLY ONE WHO HAS NOT REMOVED THIS MEDICAL COLLECTION XXXX XXXX I BELIEVE. 

I SENT A LETTER ON XX/XX/XXXX AFTER I HAD SENT 3 MORE, TO ASK THEM WHAT IS MY SOCIAL SECURITY NUMBERIF I OWE THIS MEDICAL BILL, WHY THEY DID NOT BILL MY INSURANCE OR XXXX, I HAVE HAD MEDICAL INSURANCE ALL MY LIFE, WHY IF I VISIT ANY OF THEIR OFFICES WHY THEY DID NOT CHARGE THE CO-PAYMENT ALL THIS QUESTIONS YOU WILL SEE THAT I AM ASKING THEM. 

HAVE THEY ANSWER ME, NEVER NONE OF LETTERS HAVE BEEN ANSWERED IT, WHAT DOES THIS TELL ME? BOGUSI NEED YOUR HELP, THIS MEDICAL COLLECTION HAS TO BE REMOVED AS SOON AS POSSIBLE, I AM BEING EVICTED DUE THAT THE BUILDING WHERE I LIVED WILL BE DEMOLISHED IT, FOR A NEW CONSTRUCTION AND WE THE TENANTS MUST FIND A PLACE TO LIVE. 

MY BIGGEST PROBLEM, RENTING IS BECOMING AN ISSUE WHEN THEY RUN MY CREDIT AND SEE COLLECTIONS, THEY ARE NOT RENTING ME. ON TOP DISABLEDIT MAKES ANGRY BECAUSE I HAVE NEVER BEEN IN ANY OF THIS MEDICAL FACILITIES THEY ARE CLAIMING I RECEIVED TREATMENTS AT ALL, I DO N'T EVEN KNOW WHO THE DOCTOR IS AND THEIR MEDICAL FACILITY. 
SEE ATTACMENTS.
yes like my house caught a fire and my insurance pay them off. but there did not send me my refund check when my mobile house got pay-off. and I want to know where is it. because I ever nothing In the mail are anything. and I know there owe me something out my pay off. I pay them too much money a month try to keep my house I love my home that why I pay my money a month. and same time I be pay my money be cheat me same time. its not fair how people you and you try so hard to work with them. its got to stop because with them people work to hard have nice place stay too. there changed too money on mortgage it up and down on your payment.
I disputed this item on my credit report and it was verified. I then contacted Kohl 's to dispute the account which I am allowed to do per the Fair Credit Reporting Act and Fair Credit Billing Act. I sent them a dispute letter on XXXX XXXX and on XXXX XXXX they wrote back and said they ca n't verify the account because they no longer have the credit card application.
On XX/XX/XXXX three fraudulent charges were placed on my credit card : {$350.00} ; {$140.00} and {$350.00}. 
On XX/XX/XXXX, I noticed the charges and called the bank with my concern. Then sent a letter detailing theses charges were unauthorized on XX/XX/XXXX. 
On XX/XX/XXXX, the charges were placed back on my account without notification. 
On XX/XX/XXXX, I noticed these new charges and again called the bank for explanation. I was told I would receive a call back.
called my stepmom asked for me. My dad and I have same name. she told the collector her husband does not have an account they continued to give her last XXXX of my social and my current address she said that may be my step daughter and then they told her I owed over a XXXX dollar debt
Dear Sir/Madam, I 've sent my money {$820.00} to XXXX XXXX, XXXX XXXX XXXX, City : XXXX, State : XXXX, Zip Code : XXXX, USA by Money Gram. This address gave another person : XXXX XXXX, who works at XXXX XXXX XXXX XXXX, born Monday, XX/XX/XXXX, Age XXXX, from XXXX, XXXX. 
I 've sent the money to purchase XXXX laptops by XXXX from XXXX XXXX, XXXX. 
But money arrived and I did n't get not my laptops and not my money back. 
XXXX asked me for more money. I refused. She is not responding any more. 
XXXX name : XXXX, tel. No. : XXXX. 
I am XXXX XXXX.
On XXXX XXXX2019 FORD MOTOR CREDIT REPORTED ME TO XXXX  CONSUMER CREDIT AS BEING LATE I MADE A PHONE PMT BUT FOR SOME REASON FORD DID NOT CAPTURE MY PMT AND REPORTED ME AS 31-59 DAYS LATE THIS IS CLEARLY INCORRECT REPORTING AND FORD REFUSE TO FIX THE ISSUE.
Initiated dispute with TransUnion. Transunion responded by indicating the information is correct and continues to show this account in a derogatory manner. The account in question,   XXXX   was included in a Ch.  XXXX  bankruptcy, case #  XXXX  and has exceeded the 10 years and in violation of The Fair Credit Reporting Act.   Attached is documentation regarding this matter. This information is NO longer shown on either  XXXX  or  XXXX  credit agencies since the time allowed has passed. I am requesting this mis-information be removed immediately.
The above is not really what I 'm reaching out to file a complaint. What happened was that I was sent to a debt collector by my wireless carrier ( XXXX XXXX XXXX ) by the name of Credence Resource Management, LLC. This collector offered me a settlement amount which I paid as of XX/XX/XXXX. I was told my payment settled the account in full and that the creditor ( XXXX XXXX XXXX ) would be notified in a few business days. I verified that and was not done so they sent a receipt to me letting me know they had reached out and notified XXXX XXXX XXXX. 

I received a letter this month from another debt collector by the name of XXXX XXXX saying I owe a remaining balance. So it appears that Credence Resource Management, LLC. did not settle my debt instead only paid a partial amount. I contacted Credence on XXXX XXXX, 2015 to see why they did not follow through on what I was told and had in writing on their receipt and assured in 3 business days it would be taken care of. I gave them 4 business days and they have not come through, yet again.
XXXX XXXX I requested my credit report. Letter dated XXXX XXXX requests additional information. I sent them colored copies of my driver 's license, Passport and social security card. In addition I sent them documents that state I paid XXXX accounts in settlement with XXXX account a charge off with a XXXX. What I received was inadequate. Equifax sent me a letter dated XXXX XXXX concerning verification of my name and address only. No mention of my documents sent to correct my credit report? Equifax is a XXXX company! 
I would like corrections made in a reasonable time. Equifax is not in compliance with the law!
Hi, I had a multifamily home, and I moved out to a single, it was rented out, the bank that owned the loan file bankruptcy, the new company that brought the loan said I did n't qualified for a modification because I did n't live there and its considered and investment property so they foreclosured when I did n't agreed to there terms. I told them I should get a modification and that mgl XXXX for foreclosures states that, they claimed that the mgl. XXXX does n't apply to me, because I did n't live at the property I was n't entitle to any modification or a 150 days right to cure, and was not allowed to find another bank that would refinance me. After I did n't agreed to their terms in XXXX XXXX 2015 they sent back my money and foreclosed on XXXX XXXX 2015. I tried to get back my property but they sold it to someone else.
i have seen my credit score went down, then i went to XXXX XXXX app, there i saw my credit score went down about 10 points, then i saw an account is open under my name, and without my permission the company name capital one added account under my name, i have never ever given my social security number, anywhere to request for an account, and i called the company capital one right away, and requested the account to be close immediately, because it was there mistake, now i would like to increase my credit score which went down 10 points. thank you
I have been dealing wiht  Barclays Bnk  regarding my credit card since   X/X/2017    . I have already submitted a complaint nothing has been done by the company to correct there mistake and now the problem has gotten worse.     On    X/X/2017      i called Barclays bank to inform them i was unable to return to work due to an injury, and asked if there was any programs to help me out as it would be very hard to make payments until i receive my  XXXX  hearing as i have very little income. The representative told me that they would be able to help me but not until my account was past due, she even went as far as to put me on hold while she double checked for me. She than informed me it would not be a problem but i needed to call back after my account was past due.     On   X/X/2017   the day after my account was due i called back and was told by a representative, that they would help me but my account needed to be more than 30 days late.     After reviewing my accounts  on  X/XX/17  i n oticed the account in question had been marked as past due and a fee applied, i called again on   X/XX/17     and was told sorry theres nothing we can do to help you.     I have been in contact with the office of the  President of Barclays  card who also refuses to help stating i was misinformed and that the person who i originally spoke with does not knnow the requirements for assistance.     When i called the first time to speak wi th Barclays on  X/X/17  m y account was not late yet, I allowed it to go late based one misleading information i was given by a representative of this company, i was given this incorrect information apparently multiple times.     Because of this company i now am two months behind and they are now damaging the credit i was tryinng to rebuild by making negative reports to the credit bureaus.     I was injured at work and am awaiting a disabilty hearing, i have every intention of paying my balances off with this company once i have an income source again.     i was misled into allowing my account to go late, if i would have been informed that there was no way to help me in the first place i would have done everything in my power to keep this account current, but becuase of the misleading information they gave me i am now two months behind and getting negative information given to the credit bureaus, i can not even apply for a debt consolidation loan becuause my score has dropped over  XXXX  points just from the negative comments from this company, this is an outrage,