WillisBack/dataset-financial-user-claim huggingface dataset:
After graduating I received tons of phone calls concerning loan forgiveness, lowering payments, etc. a company called XXXX XXXX XXXX  called and used scare tactics to get me to sign up with them. They told me my income driven repayment, which due to my age and low XXXX income were {$0.00} at the time, was going to go up to $ XXXX  monthly This terrified me as I only receive $ XXXX  monthly. So, I signed I up to pay them $ XXXX   monthly for 25 years. I am in a mortgage program with the XXXX XXXX of which I am a tribal member. I paid Equitable for approximately 2 years. Then on my last visit with my mortgage counselor, he told me that company was a scam and to quit paying them and to also call the Federal Trade Commission about them. I came home and called the FTC and quit paying Equitable. When they did not get their next payment they called me. I told them why I had quit paying them and the lady hung up on me. I didnt hear anything else till last week when I received an email from a company called XXXX XXXX telling me I had ten days from the date of that email to contact them regarding my debt to Equitable. I called the number and got voice mail. I left a message and never got a call back so I called again a few days later and left another message and still got no response. Since then, I have emailed them 3-4 times requesting a way to contact them to no avail. In the meantime, they reported this to the credit bureau which caused my credit score to drop dramatically damaging my ability to get a mortgage. My student loans are in the process of being forgiven and that should be finished in about 45 days. XXXX told me that once theyre forgiven my loans will show a XXXX  balance so will improve my credit score and I should be able to get my mortgage. However, XXXX XXXX And Equitable are still on my credit report. The FTC said you might be able to help me with that company and getting that off my credit report
XXXX XXXX XXXX is violating my rights under the FCRA by falsely/inaccurately reporting the First Date of Delinquency, failing to open an investigation when a dispute was failed, failure to respond for PROOF of FIRST DELINQUENCY. 

CPA has reported a First Date of Delinquency to XXXX and XXXX CRA 's as XX/XX/XXXX and NONE to XXXX. They report a DATE OPENED of XX/XX/XXXX - 7 days following their " reported '' FIRST DATE OF DELINQUENCY. 

The ACTUAL 1st DATE OF DELINQUENCY is XX/XX/XXXX and supporting documentation has been provided to ALL CRA 's and CPA yet all they do - IN LESS than 24 hours of filing dispute with CRA is VERIFY what they reported is ACCURATE. It is IMPOSSIBLE for an account to be 1st DATE OF DELINQUENCY and 7 days later be in collection this alone should warrant a REAL INVESTIGATION as I have established the account as being past due since XX/XX/XXXX. 

XX/XX/XXXX - Returned Payment to XXXX XXXX ( Original Creditor ) XX/XX/XXXX - LATE NOTICE / PAST DUE NOTICE from XXXX XXXX The latest dispute placed XX/XX/XXXX at XXXX - SUPPLIED with SUPPORTING DOCUMENTATION The latest VERIFIED from CPA to CRA XXXX XX/XX/XXXX - XXXX FCRA states when the account is assigned to a COLLECTION AGENCY ( CPA ) it is a continuation of the ORIGINAL DEBT - XXXX XXXX XXXX 

Companies - Credit Protections Assoc ( CPA ) CRA 's : XXXX - XXXX, XXXX - XXXX, XXXX - XXXX
I went for a mortgage, and found out that every time one of you does a " hard inquiry '' it affects my credit! That 's absurd! I 'm not putting anything into motion except... Can I get a home! This is so very wrong. No one 's credi should take a hit of any kind when you are trying to buy a home, auto, etc. I ask that all inquiries be taken off my credit report, and a new copy be sent to me via email : XXXXXXXXXXXX. Thank you.
XXXX have potentially negative on my account even doe i haven miss a payment. in XXXX XXXX XXXX contacted me and wanted me to send them paperwork for payment for XX/XX/XXXX and XX/XX/XXXX. i could n't and they was taking about taking my car if you take a look at my account from XXXX XX/XX/XXXX tillXXXX XX/XX/XXXX never miss a payment. I end up paying XXXX extra notes to catch up because i did n't have paperwork, now XX/XX/XXXX enough payment is missing. that potentially negative need to be removed. also my account started at XXXX XXXX and it still have n't move bal XXXX after 21 payment made please invastigated this company.
I received a notice this year from the IRS stating that Discover sent them a XXXX for an old collection where pmts had not been made since XX/XX/XXXX. I did not settle this debt nor did I receive a XXXX from the to file on my XX/XX/XXXX taxes. Also, Discover still shows that I owe the full amount of this debt as a collection on my credit report and is still updating with no mention of settlement for less than balance. The IRS says I owe them {$1000.00} and wants me to consent to changing my return. This debt has exceeded the Statute of Limitations and is set to be removed from my credit report XX/XX/XXXX. I have disputed this with the IRS and sent them a copy of my credit report showing this but they just keep sending me the same letter. I think it is wrong for them to side with Discover. Can you help me?
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, XXXX, XXXX, XXXX  Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX XXXX, PDQ, XXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX  posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
A message from Harris Debt collection at phone number XXXX. No information of debt owed or address of Harris or answer of the call. I looked this blnumber and there are multiple complaints, and apparently no action to shut down this scam.
Portfolio Recovery Associates did not validate this alleged debt before reporting to the credit bureaus, even though I have proof of receipt of a timely dispute, which I mailed within the 30-days as allowed by the FDCPA. After I wrote them more letters, they did finally respond. But their responses to my XXXX and XXXX requests for validation were completely inadequate. The documents they sent were nothing more than an itemized list, and a statement from an employee stating that the alleged debt belongs to Portfolio Recovery Associates. This in no way approaches the legal standard for validation. I informed their offices of this, and demanded that they remove their tradeline from my credit files. I have not received any other communication from them since. Portfolio Recovery Associates also failed to mark their tradeline as disputed on reports, and has continued collection activity. Each XXXX of these violations of the FDCPA carries a {$1000.00} fine. I have submitted a formal dispute with the credit bureaus. I am also filing formal complaints with the Federal Trade Commission, the XXXX, and my state Attorney General, in addition to filing this complaint with the Consumer Financial Protection Bureu. I am also strongly considering pursuing this matter in court.
I was having issues with collections on my credit report recently and in the pass with to apartment agencies and also have an issues with other employers and car dealerships doing inquiries on credit report without asking me. I was trying to get rid of my collections, charge offs which I thought were inaccurate and reported incorrectly the credit agencies because of my racial and XXXX veteran background. I tried to work things out with credit repair agencies such as XXXX XXXX XXXX XXXX XXXX XXXX to help me clean my report and dispute the inaccuracies on my credit but all I got was the same results of bad credit and nothing to help me get employment or a home. I was unemployed and homeless at the time of the reporting to the credit agencies but I still paid my bills to XXXX and other credit repair agencies to help to clean my credit. I think terrible service to a veteran and it my credit should be clear of inaccuracies. I hsve contacted all my creditors to workout a payment plan and resolution but most of them have sold the account to collection agencies and credit attorneys who harass me with letters in the mail and emails about making higher payments and threats from old creditors about bills I already paid over multiple times. I just want to new credit report and new start for all my troubles. I did my best to pay everything owe but in the end their trying to make me pay more interest than before if I do n't pay up.
Citibank XXXX asks for information " or else '' they close the account. I call and visit the branch nd they say everything is ok. Then they block the account anyway without any notice and all my incoming wires are returned. 

I visit the branch and they tell me to go to a banker, the banker kindly takes me outside and puts me on the phone with customer service. Customer service tells me it's not them it's another analyst and that I have to wait, but that yes, they have received all of my information. 

I ask for names and they cover themselves so I got no names. 

Meanwhile, all of the wires are being rejected and they offer no solutions.
We began dealing with Regions mortgage lender, XXXX XXXX, on XXXX XXXX. We are first time home buyers and have had a terrible experience with our lender. She has told us on several different occasions in emails that she was going to overnight us sensitive material and eventually emailed the information for us to sign and scan back to her through email. She never explained any of the information we signed. We had to order our own home inspection because she kept telling us she would and never did. We signed documents that state our home was built XX/XX/XXXX, which it was built XX/XX/XXXX. We have been told it is our insurance company who she is waiting on to be able to order a closing date and when we contacted the insurance XXXX was told he too was waiting on a closing date. We confronted our lender and was told the closing date is taking so much time because we did not submit an employment letter until XXXX XXXX and again on XXXX XXXX. We have asked our lender to be honest with us and to communicate effectively with by keeping us informed about the loan process. We have contacted her supervisor, XXXX XXXX, who inquired about the loan process and was unsuccessful at getting a remedy for our problem. The home inspection was completed on XXXX XXXX and the lender did not have the appraisal ordered until XXXX XXXX. The appraisal was completed on XXXX XXXX and submitted his report on XXXX XXXX. We continue to wait on a closing date. We were never spoken to about the rate our loan would be nor the monthly payment. We have contacted the lending supervisor on XXXX occasions and the XXXX time she did not call us back after we explained to her about the lack of communication with our lender. We began this process on XXXX XXXX and it has been a nightmare. We have been told the lender was waiting on a FHA loan number and several other excuses for her lack of communication with us. We can not express to you how tired we are of dealing with Regions and feel our hands are tied because we want to close on our new home and it will take even longer to close if we use another lender. Our credit scores are XXXX and above. Please help us resolve our problem and prevent this problem from occurring in the future. We just want to close on our home.
Was taken in XXXX XXXX ( address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl ) XXXX XXXX from a XXXX  accident. I was not able to give them my Information due to being in an accident. They somehow had my information but failed to include my address. They put the hospital address as my address and I never received a bill. A few months later, the bill shows up on my credit report as being in collections. I contacted the hospital XX/XX/XXXXand told them that they falsely took down my information and never filed with my insurance. They said the bill was in collections and that it was out of their hands. I had my insurance company call them and attempt to make a payment or agreement and they still refused to work with my insurance company. I contacted the collection agency, United Collections Bureau ( phone : XXXX ) in XXXX XXXX and they refused to work with me on the amount. They demanded I pay XXXX dollars on the spot. As of recent, ( XXXX XXXX ) I had to remove the dispute on my credit report in an attempt to buy a house. The debt went to an attorney 's office ( phone : XXXX ) I again offered to settle with the attorney 's office during this time but they would not budge on the amount of payment. They also demanded XXXX dollars and as a XXXX XXXX I did not have. The collection agency then filed several disputes on my credit report stating I was past my due date of payment and it took my credit score down severely. This is the only thing delinquent on my credit report. Over the past 10 years, I paid off my student loans, car payments and several credit cards. I have no outstanding debits and just one single delinquent account ( mentioned above ). Due to this single dispute from this company, my credit went from XXXX to XXXX. This single dispute will cost me thousands of dollars in interest rates if I ever choose to try and buy a home. At this point, if I pay off the debt, the damage is already done to my credit and it will not make a difference.
I notified, through email, NetCredit that I was a XXXX, received XXXX, and that I requested relief under the SCRA from the date of notification. There was no follow up, so I called after they debited my account almost a month later with no adjustment. On the phone, XXXX XXXX, the agent refused to reduce the rate until my report date, I told them to refer to USC 50 section 516, and was told there would be follow up within 24-48 hours, and it 's now XX/XX/XXXX with no follow up.
I have been disputing a debt for verification and validation with Experian credit union for a total of four month as of now. I have been unsuccessful at being provided with the method of verification that the credit bureau utilized. On XX/XX/2017 I spoke with operator by name ( XXXX ) operator ID number of XXXX, and requested via telephone for method of verification and she failed to supply me with any contact information of how this debt was verified with the creditor. Ive attached letters that Ive written to the creditor as well as the credit reporting agency and has not received any requested information from either companies to validate the accused debt. At this time Im requesting that CFPB ask of each company to supply me with the requested information as written in the attached letters to validate the debt of accused by XXXX
Midland Funding has not provided validation that is competent and bears my signature showing that I have or ever had a contractual obligation to pay for the debt that I am being accused of creating.
I am the co-signer on a loan for my son who attended the University of XXXX XXXX XXXX. The loan was with XXXX XXXX who then transferred it to Navient. My son went into the military after not completing his senior year. He served in the XXXX XXXX. He was not able to make payments on his loan though he was provided with deferments which increased a loan balance of less then {$20000.00} to {$38000.00} as of XXXX of 2016. When Navient 's loan collectors were not successful in contacting him they contacted me and threatened collection action which would result in garnishment of my wages. I paid them {$3000.00} and {$100.00} a month for three years hoping my son would get to a point of being able to manage his loan. He did not. Then after the three years expired in I believe XXXX of 2016 the payment plan with the debt collector stopped and Navient 's new debt collector started demanding new terms. I asked about a settlement of the loan. They agreed and in XXXX 2016 I paid {$14000.00} to settle the student debt. However neither Navient nor the debt collector XXXX has sent me correspondence saying the debt is settled. I also have a negative report from Navient on my credit report.This has prevented me from being able to make a loan for my daughter with the Department of Education.
I got repeated calls from a company that only identified themselves as " XXXX '' wanting to discuss a personal issue with me, but before they would discuss it I would have to provide personal identifying information such as a birth date. I refused on the grounds I do not give out such information to strangers on the phone and hung up. These calls persisted and they would never tell me what it was about. At some point I discovered XXXX was a debt collector and called them. I instructed them that pursuant to the Fair Debt Collection Practices Act, XXXX was to ONLY contact me by mail in writing and not to call under ANY circumstances.. They never contacted me by mail, but continued to call, contrary to my recorded instructions. On XX/XX/XXXX I again called XXXX and repeated my instructions, pursuant to the Fair Debt Collection Practices Act, to contact me by mail. I did not receive any mailings, so I called XXXX today, XX/XX/XXXX, and asked if they had mailed me anything. The answer was NO, even tho they had promised to do so on XX/XX/XXXX. 

XXXX is violating the Fair Debt Collection Practices Act by repeatedly calling me after being instructed not to do so.
Comenity Bank sent me an E-Mail stating I was pre-approved for a XXXX XXXX, except the name on the pre approval was not my name but it was n't sent to my XXXX account. The name was that of my father-in-law. He does n't have a XXXX account and has frozen his credit, and I 've opted out of pre-approved credit offers. We 're both concerned as to why I 'm receiving credit card offers in his name. His credit information and mine should n't be tied together in any way.
My student loans have been in forbearance or deferment status since I graduated in 2011 because they have not offered me a monthly payment amount that I can afford. I have tried to apply for income based multiple times, but they encouraged forbearance. Now the interest is almost up to the total I owe, around {$56000.00}. In looking at income based repayments, my total will go up over {$30000.00} just so I can afford a payment. My wife also has outstanding student loan payments and we can not afford hers and mine at this time. They have not been helpful and now I have a missed payment on my credit report because they did not enter a forbearance request in a timely manner. In addition to all this, my degree came from XXXX XXXX, which has now just down for improper practices and fraud. I believe they were working with XXXX XXXX to purposely make my loans default. 

XXXX XXXX XXXX XXXX IN
The Credit bureaus are reporting inaccurate information on my report of a bankruptcy that should not be reporting. I have tried disputing this information for almost one year and they don't seem to care or want to take it off. I contacted the Bankruptcy court and they have not reported anything to the bureaus and said third party companies maybe reporting inaccurate information.
I have a XXXX XXXX AAdvantage Executive Platinum credit card from Citi bank. I pay {$450.00} annual fee which is tied to my XXXX XXXX AAdvantage account which also gives me access to the XXXX XXXX around the country. I use this card to book my flights as I travel quite often and also for everyday purchase. Recently, Citi bank closed my account all of a sudden without informing me. I could not use this card to access the XXXX XXXX as my access was denied. Also, I could not purchase anything. I was trying to pay for my rental car at the airport and even that transaction was declined. I always paid my account on time and more than the minimum due amount every month. I had to face embarrassment because what Citi bank did. I have no idea why my account was closed without any proper explanation. Citi is refusing to reinstate my account and also not giving me proper explanation for their actions. I feel like being manipulated by these big credit card companies and my financial needs is dependent on them which should not be the case. They are also refusing to credit back pro-rated amount of membership of {$450.00} that I paid beginning of this year as they have closed my account without any valid reason and unexpectedly. I need some answers please. Thank you, XXXX XXXX.
My lease term ended on  XXXX  however there was no date on any of the paperwork when it needed to be turned in and all documentation sent to the house was " lease coming to term please check out incentives '', in the weeks prior to this my husband was diagnosed with  XXXX  on  XXXX  which then we had to see doctor and then surgeries, follow ups, more treatments, more doctor   appointments and we are only the  2 that drive  in our home. My husband was n't on the mend after having  XXXX  and procedures for several weeks. Upon walking out my door ( again no letter or documentation stating turn car in on this date just the lease term date  )  my car was repossessed after stellar payment history. Now it 's on my credit report, explained the whole situation to  Chrsyler Capital and they will not remove t he repo and state that they will get fined by the government if they do this for me and they say they sympathize but it really does n't appear that way. I had to car for my husband, work my fulltime job, take care of my children, keep my husband on track with appointments and all Chrysler wants to say is no sorry repossessed-called on  XXXX  when they took it and reported it stolen because no call, notification on anything to state bring back by just a lease term date which I could n't meet cause of my husband 's health issues and as the government complaint office stated they do n't have to report as repo which is all we are asking to have removed from our credit is the reposession-they are unwilling to work with us and have spoken to every office at the corporate headquarters where they were appauled this was doe but the actual offices of  Santander  who is Chrysler capital wo n't take any of this into consideration or work with us but marking us as repossessed with stellar payment history