WillisBack/dataset-financial-user-claim huggingface dataset:
Since XX/XX/XXXX I have contacted XXXX lender and the collection agency Regional Adjustment Bureau ( " RAB INC '' ), several times to get clarification about the loan balance details because they doubled the balance of the student loan from $ XXXX to $ XXXX. When I requested the detail information I found that the original lender may have changed and at the moment I do n't know who is the lender. Currently I am in collections and they have told me I have different balances : first $ XXXX, then $ XXXX and now $ XXXX. When I recently called them XX/XX/XXXX they informed that my balance was {$65000.00} but denied to give me any details ; at the same time I was asking them about affordable options to repay the debt, including a rehabilitation program that they have information about posted on on their website " Regional Adjustment Bureau, Inc '' ; they indicated that I do not qualify for that, but at this point I do n't trust them with the information. I need clarity about the balances and details about interest and fees as well as options to rehabilitate the loan. My impression is that excessive fees and interest are being added to the loan. I need obtain accurate information. Also, I need to know who is the Lender and how to get in contact with them.
XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within their  30  allowable days.
XXXX XXXX has sent a bill for services I never received to a collection agency ( DSG collect ). We have attempted to contact them to let them know that I never received any services for said debt.. After attempting to contact them XXXX times. We 've decided to file a complaint to settle this in a timely matter. and to get this of my credit record.
I was on XXXX XXXX orders at the time since I am in the XXXX reserves. Ive told them multiple times. Not only that I have been getting texts from a friend saying they contacted him about me as well. I have no idea how they got his info. I have never given his phone number out to anybody. They havent called before XXXX or after XXXX but they are cutting it very close.
Want to dispute account need full validation that's on credit reports by XXXX XXXX XXXX   Date : XX/XX/2018 Amount {$1000.00} Date is incorrect Company continually adding to report and contacting from a 3rd party agency Need full validation of account being accurate
The company is XXXX XXXX I am financing a car through them. I get paid on the 1 st of every month but my car note is the 23 rd. They have no grace period. My note was {$320.00} a month they raised it to {$360.00}. Being that I get paid on the 1st not the 23rd my payment is late. The late fee totals out to {$760.00} a month I can't afford thats amount. I explained my situation numerous amount of times they are not willing to work with me. They call me every day starting at XXXX untill XXXX XXXX  harassing belittling me about not paying my bills. I pay {$400.00} a month and still thats not enough. My payments are not going down at all. I feel im going deeper into a hole. It has to stop! I am a single mother I am completely XXXX out.
I was never told about any options due to student loan forgiveness programs or income driven repayment. I was told to keep applying for forbearance and deferments. My loans are in default and i can not afford the payments with all the interest.
**UPDATE XX/XX/XXXX*** I CALLED CFPB TO FIND THAT IT HAD BEEN TURNED OVER TO FTC. I CALLED FTC AND THEY SAID COMPLAINT NEEDS TO BE RE-SUBMITTED BACK TO CFPB. ANOTHER CALL TO CFPB AND REP SAYS IT SHOULD NOT HAVE BEEN SENT TO FTC IN THE FIRST PLACE. 
PLEASE ADDRESS THE COMPLAINT AS STATED BELOW - My problem is that each reporting credit bureau is not doing what they should be doing to remove an error in reporting from XXXX XXXX XXXX. XXXX XXXX XXXX is erroneously reporting a collection balance to their collection agency, XXXX XXXX. Both have conceded the error and both state that credit bureaus have been notified, yet negative report is not being removed. This has been going on FOR OVER SIX MONTHS NOW! 

Very, very frustrated with all three reporting bureaus and with XXXX XXXX XXXX, a company that does not operate with ethics, integrity, unscrupulous billing practices and/or at a minimum, such incompetency that the right hand is not with the left hand. Even the collections company has admitted that they often are chasing collections that are not accurate and frivolous. You can see that everyone and everything is screwed up in this whole mess including that CFPB kicked this out to even begin with. VERY FRUSTRATED! 

The bill is from XXXX XXXX for {$220.00} dating back to XXXX - XX/XX/XXXX. 
In XX/XX/XXXX, I noticed that I have been turned over to collections and is now showing a hit on all three major reporting credit bureaus for this {$220.00}. We have, for over eight months now received collections calls, made calls in response to bills we were receiving and been told numerous times that it is an error and that it will be taken care of. A different call might be a different answer ( that we also have had many times ) that might be from a collector stating that we owe the money. On XXXX, we finally reached a supervisor at XXXX XXXX  that sees the error, will kick it back to XXXX with her notes stating the valid dispute but can not guarantee the results in our favor. Thus, this complaint and with certainty that this will not be disposed of UNTIL we file this complaint. 
The absurdity to this is in relation to a HOT SPOT device we tried out from XXXX in XX/XX/XXXX that had a 30 day return. We returned it back in 3 days since it did not work in the remote area we live in. The return at that time was confirmed that the device was received back from XXXX and that was the end of it ... .UNTIL several months later when all of this nonsense started. TO THIS DATE, XXXX XXXX XXXX AND THE COLLECTION AGENCY HAVE ACKNOWLEDGED THE ERROR BUT NOW THE CREDIT BUREAUS ARE NOT REMOVING THIS ERROR.
I applied for Sears Store Credit card at XXXX or XXXX of 2017. 

I never get their credit card or any of their balance statements to my mail address. 

During XXXX, XXXX and XXXX of 2017, I controlled my card balances at their store with my SSN, if there is any balance, I paid. 

I went overseas, when I turned back to US and I was sure that there should not be any balance, but when I checked Sears balances, there was XXXX USD or so. These were 60 days late. I paid down all the balance. 

I have no idea how this balance happened, it may be either someone got the Credit Card from my mailbox instead of me or Sears charged some kind of monthly fee, that I have no idea.

The 60 days late payment for this small amount is seen as " Serious Delinquency '' in my credit scores and affects my life very badly.

If I had any chance to get their credit card, I would know the card number and register their online system to eliminate it, but I never got that card.

I reached Sears about the issue multiple times, they refused to give me my card number by phone, they refused to delete late payment from my credit reports.

Once they told me that they can send my statement to my mail address, so I would have a chance to learn my card number, but that statement never reach to me also. I closed my account with them.

Several times I tried to dispute for that late payment, but they refuse to delete it on my records.
I would like to say I called Each credit reporting agency spoke to their consumer relations department and asked about the student loans I have on my report 12 as a matter of fact 2 for each loan I have they all agreed that yes in fact each loan was reporting twice and that they would have wait on XXXX to tell them there is an and the accounts should be removed how is that possible given that XXXX was given a set of rules " Metro 2 '' Guide lines section 8 of that guide line for student loans says : " For Multiple Disbursements of the Same Loan Combine multiple disbursements into a single account.

Retain the origin

al Consumer Account Number. Retain the original Date Opened of the first disbursem
ent.

Increase the Original Loan Amount, Current Balance, and Scheduled Monthly Payment Amount ( when in repayment ) to include totals for all disbursements '' Then even gives and example on how it should report just in case the company on the other side can not read I guess. 

So how is it that XXXX XXXX XXXX And Equifax are not aware of the rules or is it they just dont care as to the harm they are causing according to the FRCA '' Asarule, itsillegaltoreportinformationthat youknoworbelieveisinaccurate.Youhave reasonablecausetobelievethatinformationis inaccurateifyouhaveknowledge, otherthan allegationsfromtheconsumer, thatwouldleada reasonablepersontodoubttheaccuracy oftheinformation.FCRASection623 ( a ) ( 1 ) ( A ) '' Are the Willfully Non Complaint UNDER THE FCRA and dont care that they are causing undue harm to myself and my family or are the just untrained and lazy?
My employer received a wage garnishment for 15 % of my disposable income, which i was told calculated to be {$880.00} per month. I can't afford this.I didn't receive notification so that i could contest it. I have been lead to believe all of my student loans were in deferment or forbearance. 
Once i was notified by my employer, i called the debtor to work out a REASONABLE repayment and they worked out a $ XXXX/month arrangement and i increased it to $ XXXX/month for 12 months and then increase. SO now they get the garnishment and the monthly payments. I can't afford this, it will LITERALLY break me. 
I requested documentation to verify everything ( the loan ( itemized ), the school attended associated with this loan, the terms of the loan and any notification. They said they will get what they can, but they would continue to garnish my wages. I haven't received anything. 

If i lose my home and transportation, i will lose my job. I can't afford to lose $ XXXX/month. 

Note : They stated they had no way of contacting me, but i have had the same cell phone number since XX/XX/XXXX and the same email address since XX/XX/XXXX.
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
I have tried to get the credit bureaus to remove the bankruptcy from my credit report. It is incorrect and XXXX  has fixed it but Equifax and XXXX  refuse to remove it. They say the XXXX verified it but it is incorrect. I want them to do research and see that is incorrect and remove it from my credit report. I have attached a copy of the letter from XXXX saying that it is no longer on my report because it is incorrect. They have also tagged my wife and XXXX can see that hers is incorrect as well.
I have retained an attorney who has se nt two ce ase and desist letters because they continue to contact my minor child. Those were signed for by someone at the company on  XXXX   XXXX  and  XXXX . However, the calls continue.
I am making a complaint against XXXX XXXX. A total of {$340.00} was taken from me without my consent or knowledge today XX/XX/2018. I called XXXX to dispute the transaction & was told that my dispute had to go to the escalations dept. The escalations dept from XXXX XXXX called me back within 2 hours with a Rep from the company XXXX XXXX on the phone. The XXXX XXXX rep explained to the bank rep that the account in question does not belong to me, it belong to a male whom they researched & found that hes used other cards to pay his account also. The XXXX XXXX rep told the bank rep to reverse the charge on their end before & posts & the dispute takes longer. Ive called XXXX XXXX 4 times to day, I keep hearing that it takes 6 hours to process the reversal. I placed my first call to the bank at XXXXXXXX XXXX, it is currently XXXX. I need my money back like yesterday. Please help!!!!
I had a XXXX mortgage with XXXX XXXX XXXX. I requested under HARP a loan modification. 
XXXX XXXX XXXX approved me for the loan modification. I was instructed to make XXXX payments for XXXX months in a row of {$2800.00} each. I made these payments. 
XXXX XXXX XXXX sold my loan to Nationstar Mortgage. Since this happened in XX/XX/XXXX, I have had a nightmare of problems with Nationstar. 
They did not accept the former XXXX XXXX XXXX loan modification. They are insistent this loan is a Home Equity Loan which they refuse to modify. IT IS NOT A HOME EQUITY LOAN. It is a XXXX MORTGAGE. 
For the past XXXX years I have tried to get Nationstar honor the agreement I had with XXXX XXXX XXXX for a loan modification and they have denied my multiple requests. 
I have spoken to at least XXXX loan representatives at Nationstar and can not get anyone to speak to me. 
I had XXXX representative tell me to make the monthly payments of almost {$3000.00} and I sent these payments on time to Nationstar. 
In XX/XX/XXXX, these payments were returned to me in the form of a Nationstar checks. 
Now, I have received notification that my home is moving to FORECLOSURE!! 
This is an outrage and I do n't believe it is legal. 
I need some relief immediately.
I recently reviewed my credit report and found unauthorized inquiries. 
I tried to contact the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be  inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Mortgage Reporters XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX Business Name XXXXXXXX XXXX Inquiry Date XX/XX/XXXX Business Type Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX BYMAILONLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Business Type All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Personal Loan Companies
XX/XX/2016 I received a letter from Citibank offering me XXXX reward miles if I fulfilled the terms of the promotion ( code XXXX ). I opened the account in XXXX, fulfilled the requirements ( spend {$1000.00} and submit two bill pay transactions ) and I was promised the miles per the letter within 90 days of fulfilling these requirements. Time passed and I had not received the miles so I contacted Citibank several times and via live chat, they told me " They specifically told me " You will receive your XXXX XXXX miles no later than XXXX/XXXX/16. '' XX/XX/XXXX passed and still no miles, yet I am racking up account fees. I have continued to contact Citibank who NOW in XX/XX/XXXX and XX/XX/XXXX ( never before ) is telling me I was not on their list of customers to offer this promotion to. I honestly believe that they have intentionally dragged out the resolution of this so they could continue to collect my $ 30 monthly charge. I am extremely upset/disappointed with this situation and how Citibank has handled this. In my opinion this is borderline fraudulent behavior and their practices have been extremely deceptive.
EOS CCA has caused harm To my credit score overnight. They put a unverified debt of XXXX in collection and reported to two of 3 credit bureaus. The so called XXXX claim was old previously disputed frudarant debt of XXXX. This debt was disputed twice from two prior collection agencies that went no where over two years ago.
Within the past week, I was contacted by Oracle Financial Group LLC three times with messages threatening legal action. They stated that I need to find an attorney that would be able to practice on sovereign land because I was being sued by a XXXX XXXX XXXX. I questioned this and asked that they send me this in writing. He said that I was sent documents at my old address and it was returned. I questioned this because my mail gets forwarded from my previous address to me consistently by the USPS, along with photos of each piece that is going to be transferred sent to my email. He became very defensive, aggressive, and hung up on me. Immediately, I started investigating the debt. I called the original debtor. They had just given the debt to an outside source, XXXX, within the month. I called that company and he told me that they are part of an investment group that gave the account to Oracle, with the phone number. Right away, I called Oracle and was directed to another person who demanded payment of the full amount owed or a settlement. I told him that Id call back. I got off the phone to consider how to make a payment towards the amount while feeling uncertain about this company because they will not give me anything in writing. When I talked to the original debtor and told her of the threats they were giving me about the XXXX suing me, she told me that it wasnt true. I proceeded to call Oracle back to make a payment but they were closed. I left a message. They called me back and left a msg telling me that the settlement offer was expiring. I called back and when I tried to make a partial payment while not financially being able to accept the settlement, they said they needed full payment only. They told me there no longer is a settlement offer. They wouldnt set up arrangements, which I asked for, and said theyd get back to me. Again, I asked for it in writing. Within the week, I have made several attempts to pay this. Every time I receive a call from them, its by one of several different phone numbers. This company appears to not be legal in the ways they communicate or conduct business.
My bank account was closed when I went away for 2 months and did n't normally have access to my information. Yes, that was an oversight on my part. The problem was that when I made a XXXX transaction it came out of my bank account instead of my credit card- I have the default as The bank closed my account and sent me a letter for a chargeback. 
I paid the chargeback on XX/XX/XXXX. And told TD Bank that I need them to inform XXXX that it is paid off so I can open an account. 
I also started a dispute with XXXX to have them verify with TD Bank that the account is paid off. 
My thinking was that someone will do their job at some point and it should be cleared out pretty quickly. Right?? WRONG!! 
XXXX does n't confirm with any particular person that the account is paid off. They just send a general request out to a general dept in collections. 
Whoever checks that request does n't bother to review any notes or actually check any account. 
On XX/XX/XXXX TD bank confirmed to XXXX as a response to the inquiry that the balance is still not paid!! This is a full 20 days after the payment was complete!! This is with me including an attachment from TD Bank as a receipt that the account is paid in full that had a confirmation number. 
I just called TD Bank and spoke to a supervisor in the collections dept. a XXXX. He just gave me the general line it takes 30-45 days to update ... we will expedite .... we are sorry ... all the promises I was made a full 32 days ago when I paid this bill in full. 

We will see ....
XXXX XXXX XXXX and XXXX XXXX both told me they did not run a report on the borrower so i sent and paid for my earnest money and survey, plus appraisal wait never mind they both said they never do that so i have a doj lien that i showed was not mine with all my ID theft, Police report and they still refuse to do my loans i feel like i'm getting the old fashion crying about my race but keep in mind several huge company were sued b/c of this LIKE XXXX i just want the house and provided the documentation that was needed
Back to back phone calls - I have repeatedly asked them to stop calling me. I receive about 10 calls per day from Kohls Department Store. I do not owe the entire amount in question. They are rude and aggressive, and call from hundreds of different phone numbers. This type of constant harassment should be illegal.
To All party involve Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD XXXX { XXXX } XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
I have a Kohls store credit card that I make monthly payments on. I had gone thru financial hardship and was unable to make a few payments on time.