WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX, a collection agency failed to validate an account. They continue to report the invalidated account to the XXXX credit reporting agencies. 
In XX/XX/XXXX I requested my free annual credit reports. On my credit reports I noticed an entry by XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I mailed XXXX XXXX XXXX XXXX a letter requesting validation. The information I requested in my validation letter were as follows:1. What the money they say I owe is for. 
2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Show me that they are licensed to collect in Minnesota ; 7. Provide me with their license numbers and Registered Agent. 

They received it around the end of XX/XX/XXXX. In XX/XX/XXXX I received their response. Their response was a computerized printout on their own letterhead. Furthermore, they were n't able to provide the information listed above. 
I allowed two months to pass by giving them sufficient time to send me some actual validation. In XX/XX/XXXX I mailed them a follow up letter to the response they mailed me in XX/XX/XXXX. In the letter I informed XXXX XXXX XXXX XXXX XXXX that they did not validate the account according to the Fair Debt Collection Practices Act. I included a copy of the FTC 's XXXX XXXX XXXX XXXX. I wrote them that according to this opinion letter when a collection agency reports an account to the credit reporting agencies, this constitutes collection activity. The Statute of Limitations on the alleged account they are trying to collect has expired. 
Furthermore, I included a copy of the FTC 's XXXX Opinion Letter. According to this letter a computerized print out if a debt does not constitute debt validation. Again their response was a computer printout on their own letterhead. I received this response in XXXX.
The interest from my student loan keeps building adding more interest and they wo n't set up payment plan 's with me to pay it. They demand all the money up front because I did n't pay it immediately so now I 'm in collection with the debt company and they keep harassing my phone sending me mail notices demanding payment but refuse to allow me to pay payments at my convenience when I have the funding. The customer service is aggressive, intimidating and unprofessional. I want them to clear off half of my loan and allow payments to be set up appropriately until paid in full. The amount the loan started from is what I want to pay and nothing extra.
Hello- i purchased a home in XXXX 2014. This day was suppose to be the happiest day of my life and instead i was feeling like i should have not made the purchase but was n't able to get out of it because of i would loss the down payment money and other things. the lender company did n't do a great job of explaining things correctly to me and i often received conflicting information or finding out that the amount approval was given was incorrect fha vs 100 % financing. ok, i found out that the lending company use and insurance company that i had no knowledge of and the amount of coverage was not correct. the house had coverage for someone not going to be in the home for about six months. i found that out due to searching for a lower monthly payment, on now i found out that the taxes on my home is 1500.00 hunder dollars more than what they said at first before closing. so with my monthly payment of XXXX is now going to go up over 800.00. When i went into the office to apply or see if i can qualify for a home, i told them I do n't a monthly payment of 700.00. they said i would have to fight the payment of XXXX until i file homestead exemption and i will drop about 300.00 a year and the would put me closer to my request. I said ok, now come to find out THAT is not going to happen since i am in the whole from the amount of propery tax and the correct insurance has gone up on my home. I am so afraid I will not be a home owner for long because of the STRETCH payment i am having to come up with from month to month now. This is stressing me OUT so bad, it will mess up my credit, and my living status with my family of having to find them a nother place to live. I spoke with manager of homestar and i do n't feel as thou he understand how this has effected my finances of struggling to pay this every month. Having to come up with extra monthly with children and other responsiblity is difficult, and that is Y i try to plan and keep it to an minimual ... .. this is CRAZY ... .... i am trying not to cry but it is hard to tell your family we may have to move because we can afford where we are because of some XXXX else neglection.
I received a letter from a debt collection agency on XX/XX/18 for 2 student loans, totaling > {$50000.00}. I was not informed by the lender by phone, mail or email that this was an issue that was being sent to collections. I was previously on a reduced payment plan of $ XXXX. After speaking with the lender directly today, I am told this repayment plan is only effective for 3 months and can be renewed for an additional 3 months, with a limit of 6 months total for the entire life of the loan. When attempting to set up this repayment plan, the lender representative informed by that I must also pay back the entire past due amount of {$2100.00} to make my account up to date. When I expressed that I was happy to make an alternative arrangement, and that this option is not financially feasible and does not give me enough time to get up to date before the expiration of the repayment plan in 3 months, I was told that there are NO other options. When I attempted to make a good faith payment to attempt to find time to write a letter to the lender to resolve the issue, I was referred to the website, as I was unable to make a debit card payment by phone. I had my checking account information saved on the site ; when attempting to make a web payment, there was an error. ( A representative told me that there are " issues '' currently with the payment system and I may not be able to successfully make my good faith payment today ). I explained that my excessive financial obligations far exceed my income, and the fact that they have sent me to collections now impedes my ability to make credit purchases or take additional loans for emergency situations. I have XXXX small children and am looking for additional employment and need to buy a reliable car in order to continue to work and make payments to my lenders ; this report to debt collection has now likely impeded my ability to do so, and thus it will be difficult for me to maintain my current job, as well as obtain additional employment, and take care of XXXX children as a single parent. Despite multiple attempts to make a resolution, this lender has told me there is nothing that can be done. Please help me to remedy this situation, I would like to set up a modified repayment plan with recurring automatic payments, but am told I have no options. Thank you for your time.
Sallie Mae made my pay for forbearance up to 12 months for the life of the loan for up 3 months at a time because I could n't afford to pay my loan. 

Got from article against Navient law suit. In other cases, borrowers who would have qualified for lower-income-based payments under federal law were instead steered to something called " forbearance, '' which allowed them to skip some payments but saw their interest mount up, unnecessarily increasing the total they supposedly owed.The CFPB claims XXXX may have collected XXXX in interest it should n't have from putting people into forbearance, often multiple times.
I've filed Bankruptcy in 2017 and there was a debt, XXXX XXXX, that was included in my bankruptcy. On my credit report, it is listed as a collection with an outstanding balance which is included in my Chapter XXXX Bankruptcy. After 3 attempts to dispute the item and even provided supporting documentation for the item, XXXX, Transunion and XXXX  continue to allow the item to remain on my credit report. I've demanded them to re-investigate the item and they refused.
I only have one correct address. I also only have one name. There are other names and addresses on my credit report as well as collections and accounts that do not belong to me. I would like these removed/deleted as they are inaccurately reporting to the Credit Bureaus and negatively affecting me. I would also like to request that an updated credit report be sent to me from all XXXX Credit Bureaus.
A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
First Franklin in XXXX, GA obtained my banking information to process payments " ONLY WHEN APPROVED ''. However, they are consistently and randomly withdrawing unauthorized payments from my account. It started with my XXXX XXXX XXXX account, I had to end up blocking their business name from having the ability to use electronic debits. So they then slightly changed the name used to make electronic debts, and started withdrawing unauthorized amounts of money again. I then had to change my entire banking account information just to stop them. 

Then, XXXX the store manager pops up at my house to make " payment arrangements ''. I have spoken to XXXX, XXXX, and XXXX NUMEROUS times about my account. They PROMISED me that they would ONLY withdraw funds from my account, IF I authorized the payments. After dealing with them for quite some time now, I know and understand their scandalous practices, so I began recording EVERY call between myself and ANY representative from the XXXX office. 

Despite their promise to me to only withdraw AUTHORIZED transactions, they continue to withdraw monies from my account at their discretion, which are NOT AUTHORIZED. I have absolutely had enough of going back and forth, around and around with this company. I am reporting this matter to any and everyone who has any authority to stop them from STEALING money out of my account.
As of XX/XX/2018, I opened one of my mail from Citibank dated XX/XX/XXXX. The letter states that they sent me a check on XX/XX/XXXX for {$140.00}, and if it isnt cashed by XXXX XX/XX/2018, they will stop the payment and I will no longer able to cash the check. I have two problems on this. First, I have not received any check. Second, I live in XXXX, Nebraska where the closest Citibank is 2 hours and 48 minutes. I'm a military guy and I did not choose to live here. So I called Citbank Customer Service XXXX. I asked if they could directly transfer the money to my checking account which is also under Citibank, and they said " no ''. I asked if they could make it a cashier check so I can cash it anywhere and they said " no ''. I requested if they could send it to my mom 's house in 48 hours, who lives next to a Citibank because I will be there for a week, but they said it will take 14 days for the check to come. I guess that was a " no '' too. I'll be back home in Nebraska on XX/XX/XXXX, and then they said " Okay call us when you get back and we will send the check ''. It will arive on XXXX XX/XX/2018 and I have less than 10 days to cash it out. I even asked if they can waive the expiration and extend it but they said " no ''. I asked for another representative but unfortunately he didn't provide me one. Why cant they just directly deposit it to my account? They owe the money to me, and why do I need to do extra steps or drive long hours just to acquire this cash? They are willing to charge me late fees if I am late on my payment. Why can't I charge these guys extra inconvenience fees? Nevertheless, I'm happy they are trying to give my money back, but I wish they make it easy for us to take it. Thanks for the help.
XXXX XXXX has presumably purchased some old debt and has " re-aged '' the debt to the date they purchased it, thus negatively impacting my credit report.
My name on the account is XXXX XXXX XXXX and I am trying to cancel my Experian account. I have tried every avenue - all phone numbers. The phone is answered by automated message that ask your name and social security and then Im transferred to a line that continues to give you propaganda about their services and after many attempts to various phone numbers no one ever picks up. I need to cancel this service as I can not afford to continue with the monthly fees. 

I feel this must be illegal and fraudulent. What kind of country do we live in that an agency who reports our credit history is inflicting a fraud on the same people they report on. Reports that effect the quality of lives of Americans all over this country. 

I hope you can help me.
Reference Case ID XXXX Ive contacted Navient regarding my student loan. And the extreme interest being paid Ian on an interest only payment plan which should have ended sometime ago. I paid on time, every 2 weeks and paid more than the requested amount however my yearly interest paid continues to go up and the loan balance hardly budged. Im concerned Ian being scammed somehow as they can not is cola in this. XXXX was the end of the interest only however it was the most I had paid towards interest almost XXXX more. I have asked for a very detailed statement for the past several years, asking to explain the payment breakdowns, balances, interest etc. I believe they are not being honest with this loan and request it be resolved. I have paid XXXX in interest alone since XXXX ... and my loan balance hasnt moved but slightly ... something isnt right. 
Please help
I was signed up for PayPal Credit without knowing it and assumed that purchases were directly charged to my credit card. Turns out that they were charged to PayPal Credit and was charged a {$35.00} late fee plus interest of {$2.00} minimum interest. I am unaware of ever signing up for PayPal Credit and assumed that some email that I received were scams since I could see that the items were paid for in my PayPal Account. I have since cancelled both my PayPal Account and PayPal Credit Account over the phone on XXXX/XXXX/2016.
Capital One gave false and misleading information stating if we paid off the card in full we would receive our credit lineback. They now refuse to give the credit line back after the card was paid in full. We have XXXX other accounts in the same sitiation they released when they were paid in full. We have been told a collective XXXX difference reasons why the account can not be reopened and are not completing the requested phone call reviews.
I HAVE TRIED TO HAVE AN ACCOUNT BLOCKED ON MY REPORT WITH   XXXX    SEVERAL TIMES NOW AND HAVE SUPPLIED ALL THE DOCUMENTS THEY REQUESTED TO HAVE IT REMOVED. UNDER THE FRCA  605B EXPERIAN AND   XXXX   XXXX   HAVE REMOVED THE FRAUD ACCOUNTS BUT   XXXX   HAS NOT AND SAYING IT NEEDS TO DO A FULL INVESTIGATION EVE N THOUGH ITS FROM IDENTITY THEFT SO THEY KEEP VERIFYING IT. I HAVE SUPPLIED MY DL, ID AFFIDAVIT FORM AND A POLICE REPORT AND STILL WONT HELP
Harvard collections service had send me a debt collection bill saying that i owed them i wrote them a dispute letter saying to send be a debt verification, the debt verification they send me was a statement from the original that looks like a bill the bill statement states the statement date as XX/XX/17 and due date as X/XX/17 how is that a statement that is due next month but they are no longer handling the debt i am convinced that they send me a fake validation due to the dates on the statement
I have been sending disputes to Experian every 35-40 days since XX/XX/2017 and on multiple occasions the results where received after 30 days or not received at all. I even sent letters for verification of method used to investigate and haven't received any response either. This is have been ongoing for almost a year, if this doesn't get resolved so I will have no choice but to pursue legal action against them. I have submitted 2 claim already with the CFPB ( XXXX,XXXX, and this still hasn't been resolved. I specially asked to be provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. To this date no documentation has been provided.
Im a  XXXX  student that graduated from  XXXX   XXXX  on  XXXX     2016 and  they promised to help me find a job and failed to do so after I graduated. Im unable to pay my student loan that  XXXX   XXXX  gave me from Navient and I live on  XXXX  fixed income.  XXXX   XXXX  me and other students through an internship that was a small computer shop that looks like a sweat shop that doesnt teach us anything about our job careers in the computer field. I will like if you can please have the courtesy of resolving this issue by waiving or reducing my student loan that im unable to pay with my  XXXX   XXXX  income and prevent this from happening to other students from wasting our tax payer money.
American Express maintains promotions ( 'Offers ' ) within their App and website that advertise certain promotions tied to spend at certain vendors. American Express also advertises these offers via e-mails. Within the App, once you select an offer detail, there is a single-click option to add the offer to your card. 

I have an account with American Express. I have a card and my wife has a card on the same account. 

On XX/XX/2018, I contacted American Express to inquire about a charge that should have been eligible for an advertised promotion ( {$5.00} off a {$20.00} or more purchase at 'XXXX XXXX ' ) that did not receive the advertised discount. We would have not made this purchase in absence of the discount. The charge was placed on my wife 's card. 

When contacted, American Express ' position was that only the 'enrolled Card ' is eligible for the discount and not all cards on the account ( the other card being my wife 's ). The enrolled card being whoever 's user name is logged in on the app and selects the button. Within the app, there is not an option to select which 'card ' to apply the discount too and this disclaimer is buried on a page in certain legalese that is not readily apparent from the quick consideration you would give within an app. 

I am not sure when this policy when into place, but I am certain it is reasonably new as we have used similar offers in the past in a similar manner and received the promotion. I do not recall a notice of the change in the rewards program and how it operated. 

I feel the promotions terms and conditions are deceptive due to how AMEX advertises them and how they actually operate.
My Lender is BOKF XXXX Bank of Kansas City. I contacted my lender when I lost my job back in 2013. XXXX XXXX gave me the number for XXXX XXXX in the loss mitigation dept. then transferred to XXXX XXXX, and XXXX others though my single point of contact was XXXX. I was not able to work with a single point contact so this made getting assistance very difficult. I tried to bring my loan current XXXX separate occasions each time I was given the wrong information where and how to pay. Not XXXX of these employees knew ... XXXX XXXX, XXXX ( underwriter of my loan ), the collections department, 24 hr support member, XXXX XXXX XXXX XXXX told me he was going to text XXXX to ask if it would be okay to bring payment to the branch ) I did get to deposit it however XXXX said that he could n't except it because it was n't the full amount past due and people get the wrong idea and think everything is okay with their mortgage and then they get foreclosed on. The application I had to complete I was given ten days, 14 days, told my application was missing documents and I need to send them ( for the XXXX 3rd time ) quickly because my papers were on a stack on the attorneys desk it just has n't been picked up yet to be foreclosed on. By the time I received an answer about my approval for a forbearance plan I had a letter in the mail saying the forbearance is revoked for failure to pay the payment in the agreement I never received notice about. I find steady work again so they do a loan modification, it made my payments higher and they never sent them back to me with the banks signature. Unemployed again now for reasons beyond my control. Now I have XXXX XXXX, XXXX, and another gentleman. My house gets auctioned off in 19 days. XXXX would not let the housing counselor stay on the line with me to ask about a special forbearance or repayment plan. They lost my paperwork to make the application complete. I have the conformation page that shows I sent those documents. XXXX says I have no options, the other gentleman states he does have the " missing '' documents but its to late I do n't have a job so they cant help me, XXXX says my only option is a repayment plan. I have done what the letters say to get help, I called the XXXX counselor but the loss mitigation dept wont allow her to stay on the pone, I give the papers back in less than thirty days like the instructions tell me.. in 14 days. It is hard to get that done with limited funds. I do n't know why this is happening or why I cant get assistance from anyone.
To whom this concerns : Im initiating this complaint because of some concerns I have about the way the credit bureaus continue to report negative Items on my report even after I have twice sent certified letters asking them to delete the negative accounts. I have stated in my letters to XXXX, XXXX, and Equifax that I have never entered into a contract with the below mentioned companies and I requested that they send me a signed document of my contract with the companies mentioned below. I am aware that under the FCRA guidelines the credit bureaus are responsible for ensuring that they are reporting all accurate information as this could adversely affect consumers in a negative way. I am also aware that when you contact the bureaus concerning an Item which is not correct they are responsible for showing proof of the legitimacy of the items being reported. In my experience I have sent two rounds of certified letters and have waited over thirty days for responses both times. The initial letters yielded responses back from the bureaus within the 30 plus day time frame. With the second round of letters I have only received one response from XXXX stating they would not re-investigate my dispute anymore because the accounts were verified on their end and I would have to contact either the companies or an attorney to prove that the accounts reported do not belong to me. They also refuse to send me the documentation I requested which is for the accounts to be verified and shown that they are accurate and valid accounts of mine. The accounts in question are as follows. XXXX XXXX XXXX ( XXXX, XXXX ) XXXX/XXXX/XXXX {$680.00} XXXX XXXX XXXX ( XXXX, Equifax ) XXXX/XXXX/XXXX {$990.00} XXXX XXXX ( Charg e off XXXX, XXXX closed sold off ) ( Equifax transferred ) XXXX {$120000.00}.