WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX debts with Enhanced Recovery Corporation. XXXX debt was with XXXX that was ended in the year XXXX but ERC is reporting that it was open in XXXX/XXXX/XXXX. They will not provide me proof that this debt is mine and that the information is correct even though I told them the information they have is wrong. they also have been reporting a debt for {$180.00} that when I called and asked for validation for this debt they could not find the file. This is beyond unprofessional and i 'm requesting a full deletion of these reports on my credit reports.
We received a notice via email this morning that our terms had been changed for us from a payment of {$110.00} to {$780.00} /month. No previous correspondence had been received via mail or email. The Navient customer service was unhelpful in providing a reasonable resolution that would make this oppressive payment something my family could afford.
Equifax # XXXX There are a few accounts on my report unverified. I had previously disputed these accounts. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
The following account are not accurate BY FCRA STANDARDS. 
1. XXXX/XXXX XXXX This acc is a duplictate accunt please delete. 
2.XXXX This account has not been verfied please delete. 
3.XXXX This account is a HIPPA act violation I never gave permission or consent to access my medical records please delete. 
4.XXXX This account is a HIPPA act violation I never gave permission or consent to access my medical records please delete. 
I would like to see some type of writing proof of these claims : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ALL COMPANIES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I have had serious issues with my student loans ever since I graduated with an XXXX from XXXX College in XXXX, NY in XXXX. In XXXX, the XXXX  student loan and XXXX. loans ( from XXXX Univ. ) were consolidated with XXXX XXXX for a total amount of {$45000.00} and I was put on a loan with interest-only payments for 60 months and then payments would be applied to principal. As soon, I made 50 payments, the loan was transferred to another servicer and the public loan was reconsolidated by another lender/servicer, which I started again to make interest only payments on a new loan. From XX/XX/XXXX to XX/XX/XXXX, I have been making payments towards the public student loan with several student lenders ( Depart. of Education, XXXX  XXXX, XXXX, XXXX, etc. ) and no monies were applied to principal. I had no choice but to switch to a private loan since nothing could be done by XXXX XXXX or the federal government. 

In XX/XX/XXXX, XXXX XXXX, as the private lender, paid off the public student loans and I began a new variable rate loan at prime rate with an amount totaling {$43000.00}. From XX/XX/XXXX to XX/XX/XXXX, I have been making payments to the private loan monthly at {$360.00} a month. However, this student loan started in XX/XX/XXXX and should have been close to being paid off at this point in XX/XX/XXXX. 

I need some assistance with reducing the principal balance or finding a way to get monetary relief. I appreciate any assistance or options that you may provide. I am available if you need to contact me at cell # ( XXXX ) XXXX.
I went to XXXX and I was able to successfully view a copy of my report with both XXXX and XXXX. I was able to do this online, as well as save a copy to PDF for printing. However, when I tried to look at my Equifax report on the same website, the web page said, " We are not able to deliver your free Equifax Annual Credit Report online ''. 
I was told I could request by mail my Equifax report by filling out a form and mailing in proof of social security number and address. 

MY QUESTION IS : Why is Equifax forcing me to spend hours of my time to gather data and weeks of wait to view a report that the other bureaus allowed me to view instantly?
obtained loan from Honor Finance for vehicle in XX/XX/XXXX. made payments monthly up until XX/XX/XXXX when their website told me I did not owe anything on loan. I wrote numerous letters and they did not respond until the middle of XX/XX/XXXX when I sent a certified letter at which time they told me I owed a payoff amount for the account for XXXX amount and 10 days later it would be a different amount. We never got bills or statements from this company even when we requested them. we had no idea what was going on with our loan or where we were at with payments. I sent them a letter stating that we were not going to pay additional interest due to their lack of response to all our previous letters and their lack of providing us as consumers information regarding our loan status at any time during our loan even when requested. They then sent a letter certified stating we owed yet a different amount and that they were going to repossess our vehicle without any need to go to court, but if we wanted to go to court we had to let them know in 15 days. Due to their lack in providing us as consumers the information we requested regarding our loan they prevented us from knowing balances on the loan, breakdown of payments, how many payments were left, when payments were processed vs when they were sent/made, etc. We sent letters every other month since the beginning of the loan and only once received a response and the statement we requestedTheir practices and business has kept us in the dark and with no information regarding our loan for the duration of the loan. In letters we sent it stated that all communication was to be writting and they were not to call, yet someone I know called to say that they were getting up to XXXX phone calls a day from Honor Finance who was also providing info about us that violated our legal rights. Even if they contacted us via phone I believe they are only able to call once a day.
On  XXXX / XXXX / XXXX  a person called me from  XXXX   Abiility Recovery Services. Attempting to get pa yment from an ER visit for my son that took place o ver two  years ago on  XXXX / XXXX / XXXX . I have received no bill, no written communication, nothing   in two years. He claims the doctors that treated my son were from a doctors group, they failed to bill and now could not bill as they were no longer associated with the hospital.
I became irritated with him as my son was fully insured and if they did n't bill him that 's their problem, additionally, why I am being bothered with this two years later?
He began berating me because I used the S word ... ..telling me that " I was speaking to a " legal professional '' with 20 years experience '' Then he said " I understand you are in a bad place, but it 's a  bout to get much worse, ''.     I asked him if he was threatening me and he said " if that 's how you want to play this ... yes I am. '' This is in direct violation of the law, I would like them fined and sanctioned immediately, Additionally, I 'm in a bankruptcy, The hospital where my son was treated was notified and filed no claim. When I told him this he said " How was I supposed to know that?? I 'm done with you ... .have your lawyer call me. '' And slammed down the phone in my ear,
My credit score has dropped XXXX points since XX/XX/2017 to date, however the credit monitoring service nor XXXX, XXXX or Equifax credit bureaus can provide an explanation of the factors that influenced such a significant change.
First, this is so stressful and disheartening that as a consumer my rights are constantly being violated. I have been dealing with these issues for over 9 months. I am including ALL 3 BUREAUS IN ONE COMPLAINT!!! 
Experian, had a MAJOR problem with stalling disputes by sending FRAUD DISPUTES LETTERS. I am sending these letters from MY HOUSE, Signing them and enclosing my identification. Exactly how on earth is this a FRAUD DISPUTE? DO NOT SEND ME THESE LETTERS AGAIN!!! I have filed several complaints with them with the BBB & CFPB they always reply with ( they need more time ) one time even replying that they were investigating a BANKRUPTCY. I HAVE NEVER FILED BACKRUPTCY. 15 DAYS IS MORE THAN ENOUGH TIME TO SEND ME INFORMATION REQUESTED OR REMOVE THESE ACCOUNTS. My biggest issue with Experian is them verifying accounts and not sending me documentation of HOW they were verified. 
First XXXX I have contacted this company myself after disputing with Experian and XXXX several times and asked them to furnish me with the same information they have furnished the credit bureaus because i KNOW for a FACT it is inaccurate. No response. Experian and XXXX still tells me this account is verfied. It needs to be removed IMMEDIATELY. 

XXXX XXXX XXXX same with them. XXXX put the burden on ME to validate this debt with thr collection agency. They DID in fact submit me witb documentation for an XXXX XXXX. This account is NOT MINES and needs to be removed. 

I Also sent XXXX and the following collections agencies ( professional credit and credit bureau ) services letters stating that i felt that my hippa rights were violated. I requested a medical release form that i have NOT recieved. Under hippa my medical information is protected. XXXX needs to remove ANY medical bills immediately unless they can furnish me with a medical release form. 

Also on ALL THREE BUREAUS the XXXX XXXX XXXX is reporting several late payments on my account. An account that has been closed and transferred. They recently just updated this account with an 120 days past due warning. How is that even possible and this account has been with another agency over a year. This account needs to be removed from all three bureaus. 

This is exhausting that as a protected consumer i am getting all kinds of run arounds with MY CREDIT. This is causing me major stress and sleepless nights. This is my last letter before filing a lawsuit. I can not keep doing this back and forth.
A roommate used my social security number and forged my signature to get medical help. This collection was previously deleted when the collection agency could not provide identification used at the time my information was used. They simply provided an invoice with my social security number and a forged signature. NO ID showing me as the debtor has been provided! It 's well documented that this company uses false and illegal tactics to collect money from innocent victims. I feel sorry for all the people that have had this same experience with this company. The fact that I have never had a collection against me and have perfect credit otherwise, why would n't I pay this if were really mine? I pay my bills.
We entered into an agreement w/Guaranteed rate, inc. to refinance our home in XX/XX/XXXX. We were upfront with our issues, a Bankruptcy ( discharge XX/XX/XXXX ) and bad credit.. They pulled our credit on XX/XX/XXXX. said they could go forward knowing this situation, to get us refinanced. We paid {$620.00} for an appraisal of the property on XX/XX/XXXX to guaranteed rate, inc. The appraiser didnt have cards so I didnt get his name. We have never received a copy of this appraisal. we were told it was good to proceed. They proceeded to have us jumping thru hoops for another 6 months, resubmitting documents, negotiating with XXXX regarding the settlement of HELOC acct that was discharged in bankruptcy. 
I negotiated with XXXX our mortgage holder to settle that acct. 3 times they let this offer expire, with increases in penalty fees from XXXX. So now XXXX will not honor the settlement agreed to with them. I called KYHC to get their account to subordinate, to the new loan. I did all the aspects of getting our situation in order. Including another appraisal, that guaranteed rate were going to cover ( probably added into the closing costs at the end ). We received a copy of the 2nd appraisal cause I asked appraiser to send it to me. When they let the last offer from XXXX and the appraisal expire, I called all the contacts at the XXXX office to get info. I was ignored for more than a week. Finally, my calls were answered, and said they couldnt do the loan, because our lack of good credit and bankruptcy. So I asked them to explain, they said, that XXXX was reporting the HELOC as late, not on time, this is the acct that was discharged. Plus our 1st mortgage also with XXXX isnt reporting as paid as agreed, on time. because it also was discharged in the bankruptcy. Which they knew up front from us, & from the first pulled credit report on XX/XX/XXXX. yet they took money from us for appraisal, and jerked us around for 6mos. If they had denied us then, there would not be a problem. but someone took our money. jerked   us around for 6mos.

I would like to get a refund of the original appraisal fee of {$620.00}. Loan #
Two things ... I was never advised I had the option to apply for the release of my cosigner. I was eligible, too, but I was never advised that option existed. I admit there might have been some ignorance on my end, in that I just assumed a cosigner was stuck with the loan for life like I was, but this information was never promulgated to me from the Second, after I applied and was granted graduated income repayment status in XX/XX/XXXX and XX/XX/XXXX for all loans ( federal and private ), I was never advised that the payments for the private loan would only be allocated to the interest and nothing to the principle. I just learned I owe MORE now on that loan than the principle disbursement in XX/XX/XXXX.
I received a letter from Bay Area Credit Service indicating that my deceased mother had an outstanding bill with XXXX XXXX XXXX. 

When I called them at XXXX the man I spoke with said he could not talk to me but only my mother or her husband who was not available. I contacted XXXX XXXX XXXX and and they said that my mother 's accout had a zero balance and they had never sent anything to collections.
We complied with a chapter XXXX. Once we received our release the bank states we are behind a month on our mortgage payment. I stated to the bank this can not be and followed proof. Till this day the bank is still not honoring my request to update and make us current on our mortgage payment. I filled a formal complaint with the state commissioners office for financial institution only a month ago.
I currently use XXXX to monitor my credit. Recently noticed drastic decreases in my score based on claims of " maxed credit cards. '' I have XXXX credit cards with a total of {$27000.00} in available credit. Total for all for cards is {$14000.00} = 53 %. The card amounts are as follows : XXXX : {$8700.00} with {$14000.00} credit ( 60 % ) XXXX {$2600.00} with {$4500.00} credit ( 59 % ) XXXX XXXX {$2400.00} with {$6500.00} credit ( 38 % ) XXXX {$410.00} with {$2300.00} credit ( 18 % ) This represents a clear falsification of my information by XXXX of the credit bureaus, XXXX and Experian who dropped my credit in XXXX month from XXXX to XXXX and XXXX respectively. This impacts my ability to purchase a home as well as impacts my ability to achieve a lower interest rate. The impact may be XXXX of dollars which I feel they are liable for due to the false information submitted by the XXXX reporting agencies. 

I have complained in the past regarding their sudden changes to down grade accounts and substantially slower times in increasing rates even after sustained consistent good credit management. Please take the necessary action to require them to increase the scores. This may be a potential for class action suit as I am sure I am not the only person experiencing these false reports to my credit.
This is a huge step in the right direction but there still exist major flaws in the proposed course of action. First, the final loan assumption was XXXXXX  2014 ; this is the date when I officially assumed legal responsibility of the loan. Second, the response does n't even address the false reporting of delinquencies. It appears to me that XXXX XXXX XXXX is just glossing over the matter of false reporting delinquencies. That is the main issue I have with my credit report now. As the financial records prove I was never delinquent on this account. The matter is n't even addressed in the response from XXXX XXXX XXXX  because they want to change the narrative. Third, how the loan is reported is n't in accordance with the contract I signed. The contract clearly states " the loan will be reported as Modified '' and not modified under a government program. If CFPB could please get an updated letter addressing the false reporting of delinquencies that would be great. As I 've shown through proof of payment and legal assumption of the loan, all delinquencies were discharged and not passed onto me upon assumption. This needs to be corrected ASAP. I 've provided all the necessary proof validating my position is correct. As I 've dealt with this company over the years I 've learned that they will pull out all the stops to XXXX you over. In my opinion, this is just another stall tactic in hopes that I 'll accept this but I 'm not. My good credit history is all I have and they 're not going to take that away from me. Please assist me in getting this corrected. If this dispute could be reopened I would greatly appreciate it. If XXXX XXXX XXXX refuses to correct the errors then I 'll have no choice but to seek legal recourse. As outlined in the assumption I 've attempted every option other than legal action. Please assist me in making one final  attempt to get this matter corrected and effectively resolved. Thanks for your assistance.
SPS I am requesting a complete breakdown of all fees and cost and any forced policy - A complete transaction history. 

Again SPS is not clear XXXX - SPS there were no options to deal with XXXX? 
I will have transaction history checked by a professional once received. Again SPS originally told me over the phone it was over by more than XXXX dollars and would not confirm amount with XXXX. However it is now being confirmed the amount was only XXXX - appears some game is going on at SPS. If SPS really wanted to assist me in keeping my home - an option would have been presented. 

SPS wrote : Denial of XXXX In your inquiry you state the amount to reinstate your account was below the XXXX amount of {$100000.00} when SPS denied you for the assistance. At the time the account was reviewed for XXXX the amount to reinstate the account was {$100000.00}. 

SPS received the assistance request regarding a principal reduction recast program from XXXX on XXXX XXXX, XXXX. The purpose of the XXXX recast assistance is to have funds applied to the principal balance of the account, resulting in a lowered monthly payment. Because the account exceeded the program allowable assistance, SPS is unable to proceed. The total amount is broken down as follows : Past due payments XXXX XXXX, XXXX to XXXX XXXX, XXXX {$91000.00} XXXX XXXX, XXXX payment {$3200.00} Loan Level Advances {$1600.00} Escrow Advance {$3900.00} Reinstatement Amount {$100000.00} I wrote : The income does not appear to be the challenge regarding modification option XXXX Tier XXXX. Appears SPS focus is on the EQUITY in my home. My family has stated indirectly and directly to SPS they can assist me finantially. No matter what my income is SPS will not assist because of Equity as was told to me today by XXXX and SPS representative - SPS just say that instead of making up income that I never gave you at no time. 

SPS is conveniently over by XXXX - to not except XXXX SPS seems surprised that after SPS denied assisting me XXXX approved me SPS told me to allow them to assist first and then SPS can receive additional funds from XXXX However XXXX confirmed yes a dual-program does exist however SPS should have not told you that as SPS is not signed up for that program at the moment- SPS can however currently they are not. 
SPS representative told me on the same day - SPS is concerned if they except XXXX funds I would not be able to make my payments. 
SPS statement do not show a breakdown of amount due I believe on purpose - when XXXX XXXX XXXX transferred the loan my statements had a breakdown of fees in XXXX. 

If SPS states its because of the bankruptcy - SPS should stop reporting to all XXXX credit bureaus every month impacting my credit. 

SPS statements originally had a breakdown - and then nothing. I have no way of tracking alleged total due. 

Also I requested the investor ADDRESS - not SPS address the alleged servicer - whom appear to have more involvement that disclosing.
My wife received a letter from the Navy Federal Credit Union dated XXXX that stated " we have received notification from the Social Security Administration of the passing of XXXX XXXX XXXX. " This letter contained 2 lies I was not dead and the Social Security Administration stated they did notTell the NFCU I was dead. 
Then on XXXX/XXXX/15 the NFCU transferred {$2100.00} from my joint checking account to my checking account. 
Then stole the {$3300.00} from my checking account and closed my account. The record shows my money went to a DEBIT. 
Three checks were paid by my overdraft account and charge me {$1.00}. at lease one check bounced, I was not informed of this by NFCU. The first week in XXXX When the electric company turned off my electricity and informed me that my check bounced and I had to pay a reconnect fee, and a deposit would be required to establish my credit and get my electric turned back on. 
On XXXX XXXX after having my debit card refused I went to the NFCU to find I was listed as DEAD. 
# XXXX XXXX. Also on XXXX/XXXX/15 the NFCU reopened and deposit {$3300.00} in my checking account, this was a replacement for the funds stolen on XXXX/XXXX/15. On XXXX/XXXX/15 {$1400.00} was deposit in my checking account as my benefit check. This amount ( {$1400.00} XXXX was transferred to the NFCU as an adjustment XXXX XXXX. on XXXX {$1400.00} was deposited as my normal monthly deposit. But my $ XXXXAnd {$450.00} retirement pay was not. 
On XXXX/XXXX/15 the NFCU deposited {$1800.00} in my account as an adjustment cr. This brought my totalTo the correct amount {$6000.00}. XXXX NOTE : the NFCU is calling this an error credit ) THE NFCU asked and received two MONTHLY PAYMENTS {$2800.00} FROM my benefit payee. 
THIS PAYMENT WAS PAID ON XXXX/XXXX/2015. THIS REQUEST AND PAYMENT WAS IN ERROE. 
THE REQUEST SHOULD HAVE BEEN TO MY RETIREMENT PAYEE! TWO MONTHY PAYMENTSWOULD COME TO {$3700.00}. 
THE PROBLEM NOW IS THE NFCU have posted 4 monthly payments from my benefit payee over a 2 month period. AND ZERO ( 0 ) PAYMENTS FROM MY RETIREMENT PAYEE, OVER THE SAME PERIOD. 
ON XXXX/XXXX/2015 we return to normal direct deposit. Then onOn XXXX/XXXX/2015 {$1400.00} is taken out of my account and given to adjustment XXXX andOn XXXX/XXXX/2015 {$1800.00} is taken out of my account and given to adjustment XXXX XXXX 
These two adjustment total {$3300.00}, the same total as the amount stolen from my account on XXXX/XXXX/2015. 
THE NAVY FEDERAL CREDIT UNION IS NOT CAPABLE OF MANAGING A DIRECT DEPOSIT. 
XXXX XXXX XXXX
I made a monthly payment to Lending Club on a installment loan for the monthly installment amount of {$190.00}, within the 30 days, and the company reported me 30 days late for a late fee. I think the late fee is {$15.00}. I have made payments to this company for the last 27 months and have never missed a payment, even through some rough months. I was n't aware of being able to be reported 30 days late on a installment loan, as long as you paid the regular monthly payment.