WillisBack/dataset-financial-user-claim huggingface dataset:
I have attempted to get on the REPAYE plan since XXXX. I spoke to a representative today who said I should be on it after I pay an " opt out '' payment in XXXX. She also said she " didn't know why '' I was ever taken off of the REPAYE plan. One of my applications was denied because I was on a forbearance for more than 90 days, which the employee suggested I do and never told me it would affect my application for REPAYE. This is why XXXX XXXX is being sued by the Massachusetts Attorney General and why I am calling for Colorado 's AG to do the same. I could have made several years worth of eligible payments towards the PSLF program but XXXX XXXX had me on the wrong program when I started in XXXX and is delaying my ability to pay on it for 8 months ( XX/XX/XXXX to XX/XX/XXXX )!!!
I recieved bills from a collection agency on XX/XX/2018. I called them and tried to figure out where these bills were coming from they refused to tell me over the phone. A week later i found out that they are not licensed in the state of tennessee to collect the debt. And i habe also requested validation of the debt. I have not heard from them. I just want to see why and how they can collect a debt in a state that they are not licensed in when they have to be licensed and bonded in the state of TN according to TN CODE - TFDCPA 62-20-101 and 105 thru 127. The company is XXXX XXXX XXXX.
XXXX XXXX reported a debt to all three credit bureaus. Ive reached out to this company along with my attorney to validate the accuracy of this alleged debt with no success. I already satisfied the debt with the Original Creditor as stated on my credit report therefore I am unsure as to what these continued charges are for. I continue to call this company to obtain validation and to get some answers but no one is able to assist me with validating the accuracy of this account nor does anyone from this organization ever call me or my attorney back. The original debt, which again was satisfied with the original creditor, is from 2010 and based on Fair Debt Collection Practices Act this has exceeded the Statute of Limitations. The creditor is also to discontinue all attempts to collect the debt until such time as they provide verification which they have not done. This company is violation due to non compliance and violation of statue of limitations.
My account, as well as at least two others belonging to my friends were debited a " Account Maintenance Fee '' on the same date XXXX/XXXX/15. These accounts are enrolled in NetSpend " Pay As You Go Plan '', therefore should not be charged a monthly fee. In the previous months no Account Maintenance Fees were deducted from these accounts, only for XXXX.
Received a Debt from AR RESOURCES INC {$260.00} DEBT WAS DISPUTED. RECEIVED A LETTER FROM THIS COMPANY. 
Please be advised that your above referenced account has been closed in our office. 
AR Resources, Inc. will notify the credit bureaus to have this account removed from your credit report. 

I checked my XXXX credit report and this is still listed on my credit report. This was disputed with XXXX and they advised that it was verified. How can this be verified when AR Resources has advised account was closed.
I have called several times sinceXX/XX/XXXX to try and get the account from XXXX XXXX in the amount of {$610.00} out of dispute. I'm in harms way with my funds in escrow trying to close on my home and they will not remove dispute account nor will they state on my credit report that the account is no longer in dispute. Asked for a supervisor on all calls and they would not let me speak to one as well as the supervisor said no need for me to talk to them that the representative is doing their job. They said that I have to write a letter and it will take them 60-90 days to reply. Really. I didn't have to write a letter for them to add the comments on my credit report but I have to for them to fix it. I really need this fixed asap please.
incorrect items including names, date of birth, social security number, addresses, also there 's a former address listed as an automobile service
Back in XX/XX/XXXX, IQ Data called my cell phone requesting a payment for a debt that accrued through my old apartment complex. I was unaware of the debt due to me giving proper notice to vacate the property. When I was contacted via telephone I was told that if I didnt pay my debt that my kids would never go to college because they were going to make a permanent mark on my credit report. I began to seek legal advise regarding this issue. I was unable to follow through with hiring a lawyer. On XX/XX/XXXX I paid my debt off. I was told that this would be taken off my credit report and that the debt was settled. 

In XX/XX/XXXX I applied for a rental property and was denied due to this still being on my credit report. It is showing a large sum being due. I called the IQ data on XX/XX/XXXX to inquire why this was still showing up on my report. They stated that although the debt was settled and i was not responsible for further payment, I still had a portion that needed to be paid off. I have the receipt of the payment I made back in XX/XX/XXXX, it shows a XXXX balance remaining and releases me from this debt. 

The amount that was due was {$1100.00}. The amount settled on and I paid was {$940.00}. This was paid on XX/XX/XXXX. I have been denied housing because of this company. They made sure to keep up with their threat of permanently ruining my credit report. I will not be able to rent a property or get approved for a loan to purchase a house due to this. The companies information is listed below. 

I.Q. DATA INTERNATIONAL, INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX   XXXX, XXXX, WA XXXX HOURS : MONDAY-FRIDAY XXXX TO XXXX PST TOLL FREE : XXXX OR ( XXXX ) XXXX FAX : ( XXXX ) XXXX
I have been a customer of Wells Fargo for over 30 years. I have been patient with Wells Fargo Up to now. I wrote a check to the XXXX in XX/XX/XXXX for XXXX. The check processor folded the check and the XXXX was paid XXXX dollars. I found out in XX/XX/XXXX when The XXXX send me a demand notice plus interest for my delinquent payment. I understand that it was an error and the Bank would take care of it. I went to my local branch and worked with a banker there. We worked it out, or so I thought. She made a transaction correction and debited my account of XXXX. XXXX XXXX # A XXXX ) XXXX month later I get a demand notice from the XXXX looking for their money. 
I call the XXXX and they say we have not received the funds. 
I go back to the branch. The money from my account is sitting in a frozen account waiting for the XXXX to demand the money. I call the XXXX and they say we just want our money. We do not have the time or resources to call Well Fargo. I made another call to Wells Fargo and they referenced ( XQR XXXX ). I called a few minutes ago and the Wells representative XXXX said she would escalate and get back to me in XXXX business day. I am caught in a nightmare. The XXXX may put a lien on me. This is not how Wells Fargo generates trust. Your process is broken. Please let me know what you intend to repair this horrible situation.
I advised that I did not owe the money as it was exorbitant as the carpet was clean and advised my rental company however they replaced it. 

I moved and did not receive anything from the rental company. 

In XXXX, i changed my license details & then got advice from a collection agency called procollect that I must pay after many phone calls. In the end I paid the debt and was promised it would not be on my file. 

Called again today to have it removed they said they would not remove it as it will be there for 7 years.
XXXX XXXX Attn : XXXX, Equifax, XXXX My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft, and I have been affected by the credit breach where my identity was leaked. I am unaware of the accounts that you continue to report. Please take this documentation I have provided as an internal dispute and an affidavit. I am allowing XXXX hours for your investigation for the errors to be correct and the inaccurate items removed permanently. If this becomes a problem for any reasons after XXXX hours I will file a law suit against your company for placing inaccurate obsolete information on my credit. I demand a copy of an original contract with under the new FACTA act. I will sue for willful non-compliance under section FCRA 616. 

Accounts : 1. XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Witness : XXXX XXXX Witness : XXXX XXXX Thank You XXXX XXXX
This company is not allowing me to dispute the matter which caused me to be on XXXX. I did not open this account with Chase
Some woman bought mattresses ( or something else ) from XXXX XXXX and gave my name and XXXX address as the buyer. I am not the buyer, the signature on the bill is not mine, I was not in the US at the time ( I live most of the year in XXXX ), the credit cards she gave are not mine, the address to which it was shipped is unknown to me. This is patently fraud and I do n't know how a reputable business could have accepted the purchase. I found out about this when I arrived at my XXXX address on XXXX XXXX, 2015. I had n't been back since XXXX 2015. I have notified Experian and XXXX.
My identity has been stolen to multiple credit card accounts. I was not able to list all of them in the theft details. 1 ). There are total of XXXX credit card accounts opened in my name. 2 ). My boyfriend 's identity was stolen and he told me my name and information was on these stolen accounts of his, and they had all my information. This is what prompted me to look into my credit report. 3 ). I went and spoke with XXXX Police Departments and they told me they could not file the report until I have physical documentation from the credit card companies and credit bureaus. 4 ). I 'm currently trying to obtain as much information as I can.
Account was paid for and creditor sent request to delete on XXXX and Equifax has listed this account for XXXX XXXX on the report as a new account of XXXX. The same account is listed 3 times as open and unpaid.
I have XXXX XXXX XXXX so i have no hospitals bills plus the Collections i see it wasnt me. My. XXXX had stole all my important things like birth certificate id social security card evrythjng and has been falsy usi g my identity..if i go to doctor my i suraces which are active pay for it all. So any that dont have my i surance wasnt me. Please help with this ... im homeless causr. Of my credit .my mothrr ruined it t she died now its my aunt.
I am trying to link my capital one account with XXXX XXXX to review my credit reporting and capital one is blocking me from linking my account. I called capital one on XX/XX/2018 and they said they are unable to fix this. I just want to be able to have an up to date way to track my credit score. All of my other banks were able to link including XXXX XXXX XXXX and XXXX XXXX XXXX.
I sent LVNV a certified letter on XX/XX/2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company did not respond. After the 30 day time limit passed, I sent another certified letter on XX/XX/2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used to apply for several auto loans as well as XXXX XXXX XXXX and credit cards without his consent. While the applications filed did not create accounts the applications did leave fraudulent related inquiries on his credit reports. Official disputes of these inquiries were sent to each of the creditors however a recent review of credit reports still has several of the creditors reporting the fraudulent inquiry data. This is a violation of the FCRA.
1st they have an address as my previous address XXXX i never lived there 2nd they have a public record nj federal court account # XXXX thats not mine they refuse to investigate have them send you proof XXXX account XXXX account # XXXX this is being reported in correctly also XXXX account # XXXX this account as well is being reported incorrectly
I filed a complaint with the CFPB reporting XXXX XXXX/XXXX XXXX 's misrepresentation of the terms of forebearances on their loans, their predatory practices along with their deceptive practice of leading people to forebearances without offering any other options, ( they've been sued for this in TWO states already ) on XX/XX/XXXX. The matter was closed and Navient reduced some of the unfair fees and interest they added to my original loan. I have made regular payments to Navient every single month for at least the last 2 years during my battle with them and did not miss a month.I refused to sign any document that claimed I owed $ XXXX when I know I never agreed to any of that and they no record of me doing so. 
They reduced the loan ( not by nearly enough, by the way ) because they could not deny the fraud that was committed against me. 

On XX/XX/2018 my loan was reported as defaulted to the national credit reporting agencies in an act that can only be interpreted as retaliatory. 
It is no coincidence that this was done barely 2 weeks after I filed my original complaint and XXXX REDUCED the balance of the loan. The letter is attached here. It says the reason they did this was because I " failed '' to enter into a " satisfactory '' repayment arrangement. 
Please keep in mind the ARRANGEMENT they are referencing here required me to agree that I owed them more than 40 THOUSAND DOLLARS for a $ XXXX loan that I have made over $ 10k- $ 13k in payment toward. I refused to agree to that because it was a LIE. 

I proved I did NOT owe them $ XXXX. The PROOF is that they immediately REDUCED the amount they said I owed by {$7000.00} once I filed my original complaint with your office. 
I have attached the balance Navient showed on my loan the month prior to my complaint and the balance immediately after my complaint. 
I want this loan expunged/forgiven if for no other reason than to show criminal operations such as XXXX XXXX/XXXX that they can not continue to be permitted to steal from and abuse people and then punish those who stand up for their rights by maliciously trying to ruin their credit and lives. 
I have reported this entire ordeal to the Maryland State District Attorneys Office as I am aware that XXXX has already been sued for this last year by tow other states.
I was having trouble making my mortgage payment so my lender XXXX XXXX offered me a forebearance plan which I paid on time for a year. Then I was offered a trial modification which is XXXX payments, i have stcessfully made XXXX payments while working with XXXX XXXX. My loan serviceer is Loancare. I called yesterday and spoke to XXXX who told me that even thou I 've been making my payments as agreed upon with them they are reporting that I 'm late whichever will continue until I sign the final loan modification. This is unfair and I have done everything that they have me to do. No one at Loancare has told me that they are reporting me as being late. I am requesting that they remove all of the late payments as I was n't told about this from the beginning and now my credit report has taken a huge hit. I thought that they were helping me not penalizeing me because I could n't pay my original payment in full as I had lost my job.
I received a statement from Cedar Financial for an outstanding balance owed to XXXX University. The original amount was {$1700.00}. I set up payments and have paid on-time. As of XXXX XXXX, 2015 the balance was {$1500.00}. Then I received a letter dated XXXX/XXXX/2015 stating the balance was {$670.00}. I contacted the account manager, who stated the letter was incorrect and the balance was {$1000.00}. As of today XXXX XXXX/XXXX/2015 XXXX, I have paid {$870.00} towards the balance ; however Cedar Financial states I owe {$1000.00}. They are claiming I owe a {$25.00} return check fee. Today, I received an email from the account manager stating my total payments as of XXXX/XXXX/2015 are {$820.00} and not {$870.00} XXXX which I have a record of ). They also stated I can settle the loan with XXXX University for {$660.00}. When I contacted XXXX, they stated the unpaid debt was bought by Cedar Financial and they control the settlement offers. The XXXX representative stated they have no more interaction with account due to Cedar Financial purchasing the bad debt. I am concerned that the collection company is not only trying to collect the wrong amount but also presenting misleading information. I was also able to print my statement from the university which shows the original amount was {$1500.00}, therefore, I am not sure where the other {$200.00} derives from. In addition, I have attempted to negotiate a settlement on this account twice no avail. I am attaching all emails and letters to support my issue.
I reviewed my Experian credit file, I noticed many items that were inaccurately reported. I contacted Experian by phone to discuss the items and was asked to go on line to file a dispute for the items. I chose to exercise my right to file the dispute in writing. On XX/XX/XXXX, I sent a letter to Experian noting a few accounts, including these accounts : XXXX from XXXX and from XXXX XXXX. I sent this correspondence certified mail with a return receipt requested. I received confirmation that my letter was received by Experian on XX/XX/2017. I received a copy of my dispute resolution approximately 2 weeks later, noting these accounts were accurate and would continue to report. On XX/XX/2017, I contacted Experian to inquire about the disputes and about the way by which these inaccurate accounts were verified. I also asked for the documents in their file that were used for verification purposes. I begged them for proof. I asked the same questions after calling their office 2 times on XX/XX/XXXX, speaking to 2 agents and a supervisor named XXXX. She did not give additional identifying information. During those conversations, I was told that Experian does not maintain actual proof of verification for accounts, the way that they verified these accounts is by sending the account to the creditor and, in return, the creditor said that it is accurate. I was also told by both agents that there is n't any department or employee at Experian that has access to any such documents that were used to verify these accounts because they do not exist. Based on a 3rd party collection agency, without any documentation to provide to me, Experian closed my disputes without verifying the accuracy of the information. I was told by agents, and the supervisor named XXXX, there that they did not have to provide me with such proof & the creditor 's word was enough for them to keep reporting it unchanged. I was also told that I needed to get my own proof and I needed to contact the creditor. I 'm requesting the above named accts : XXXX ( both ) and XXXX be deleted ASAP since Experian failed to verify the accuracy of the information reported by their company in accordance with the Fair Credit Reporting Act. To date I have not been provided with any documented proof from Experian that these accounts are accurately reported.
I am a victim of identity theft. I learned that my personal information was used to open an account at Cash Net USA. I did not open or authorize this account. 

I filed a police report as well as an Identity Theft Report with both the State Attorney General 's office and the Federal Trade Commission. 

I notified the company by email ( XXXX/XXXX/16 ) and in writing ( XXXX/XXXX/16 ) that the account was fraudulent, provided the Identity Theft Report, and requested police report. I asked that they investigate the matter, close the account, absolve me of all charges, take the steps required under the FCRA and send me a letter explaining their findings and actions. 

They have not responded to my requests and have continued to send me overdue notices on the account.
I had on multiple occasions sent emails, calls etc to Netspend that was allowing people not myself to open accounts These people rented on my name hotels cars etc and didnt return or had charges on them and was never me I had no k owledgw
Credit report agency refuses to delete unverified and inaccurate information on my credit report. I have disputed these  2   XXXX  account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?   Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.     Credit report agencies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , unfamiliar with handling their own finances.   Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.     FCRA requires that all  Credit Reporting Agencies are supposed to verify received from creditors before this information is added to your credit file.    Proper verification according to established case law involves the credit bureau having copies of the original signed credit application in their files. They are required to have a copy of the credit application that you signed when you opened the credit account with the creditor in their files. They are supposed to have it in their files to show that they verified the information and account belongs to you and to show that they verified the information before they placed it on your credit report.     The truth of the matter is the credit bureaus dont review any documents let alone keep a copy of your credit application in their files. They NEVER see any documents.     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 and declaratory relief under the FCRA.   While I prefer not to litigate, I will use the courts as needed to enforce my rights under the
diversified consultants has a debt balance on my credit reporting showing i owe a balance of XXXX. I requested validation well over 60 days ago and never received validation of this debt
On XX/XX/2018, I called Transunion because i noticed unauthorized Hard inquires on my credit report ( XXXX and XXXX  XXXX XXXX XXXX, i was transferred to a Supervisor by the name of XXXX. 

I told XXXX i noticed there were 2 hard inquires i did not recognize on my credit report and i would like to dispute those unauthorized hard inquires and removed under the FCRA XXXX told me that hard inquires cant be disputed with Transunion and it was TransUnions policy not to dispute Hard inquires. 

After many attempts during the phone call asking XXXX to dispute those hard inquires he refused and told me to contact both creditors.