WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX is reporting derogatory on my credit report, for a zero  balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

Great Lakes sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact Great Lakes with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved
Glass Mountain Capital Address shared information about my debt with my younger sibling who shares a phone line on my mobile phone plan. I 'm not sure how they received her telephone number but I assume because I am the primary account holder they were able to locate my information. However they contacted the wrong number. I was contacted and told the collection agency threatened to sue me during this phone call. I did n't talk with them but decided to contact your office to resolve this matter.
A Capital One credit card was opened in my name in XXXX/XXXX/2013. I did not apply for this card and I never used the card. Capital One can has NO receipts with my signature. 

I am asking that this account be removed as it is not my account. I never applied for it.
Portfolio Recovery Associates , LLC ( PRA ) is a junk debt buyer claiming I owe them {$480.00} for a charged off XXXX Bank XXXX credit card. On their collection letters PRA claims to be the creditor for this account, as evidenced in the upper right side of their collection letter to me, dated XXXX XXXX, 2014. PRA has never extended credit to me. 

On XXXX XXXX, 2014 I requested proof of validity of the original debt, itemization of the account establishing an accurate accounting and proof they had a legal right to collect the debt. I received a letter from PRA, dated XXXX XXXX, 2014, again stating they purchased the account, the balance was {$480.00} and that the seller, XXXX, provided them an electronic file of their business records concerning this account. PRA neglected to provide me with any copies of said file or proof of any of the items I asked for. I also disputed this account with the credit reporting agencies, PRA updated the account as accurate. 

On XXXX XXXX, 2014 I sent PRA a Notice Of Arbitration Election via XXXX as described in the XXXX Cardholder Agreement, a legally binding contract, that was in force at the time this account was opened. The Agreement states this is my right, that XXXX or anyone they transfer or sell the account to is REQUIRED to participate. I felt at this point it was the only way to settle our differences. They refused to respond. 

After reading The Consent Order between you, CFPB, and PRA I realized there was a discrepancy between XXXX charge off amount and the amount PRA claims I owe them. The charge off amount that XXXX reported on my personal credit reports is {$230.00}, {$240.00} less then PRA is trying to collect. XXXX has stated they do not provide any warranty as to the validity or accuracy to the accounts contained in electronic files that they sell. 

Portfolio Recovery Associates , LLC is violating the terms of the Consent Order, the FDCPA and Minnesota law. They have complete and total disregard for the law and the consumer. 

PRA can no longer collect this debt in court, in accordance with Minnesota Statutes Of Limitation. However PRA 's entry on my credit reports is n't scheduled to be removed until next year, unnecessarily causing me financial harm. I do not believe they have a legal right to collect this debt. 

There are XXXX other accounts PRA is trying to collect from me with the same circumstances. I will file separate complaints for them.
On XXXX XXXX, 2017 I disputed {$3600.00} for a larger charge to XXXX XXXX on my Citibank Visa account. A letter stating reasons why I was overcharged were provided to Citibank customer service on XXXX XXXX. A request for details of the amount were requested and within a day a complete breakdown of the overcharges were given. On XXXX XXXX, 2017 and over 90 days and over three billing periods later the bank decided to charge back the {$3600.00} previously credited. My issue is that the bank exceeded the time allowed to resolve my billing dispute in accordance with FTC requirements. I am asking for the return of the charge as the bank did not fulfill its statutory obligation.
It starts back about a year ago I got a phone call from them trying to collect this debit. They refused to send me something in the mail and take a settlement. I refused to handle the account at that time. Yesterday XXXX/XXXX/16 I received a phone call at XXXX from XXXX from a lady stating that I was being summons to court. I needed to call XXXX and gave me my case number. Stated she could not open my mail when I asked what is this about. So, I called the number provided never once did they stated they were attempting to collect a debit till the end of the conversation when I pretty much caught on to what was going on. She stated this was the final attempt to get this before it would be out of their hands. I use to work for collections so I understand they have a job and its a debit I owe but you can not falsely state I am being summons to court. After I got off the phone I called back asking for a manager. He stated their company does not do that. I gave him the number that the person called from and stated then how did i get my " case '' number. When you call back the number it stated this number is disconnected. I know my rights and what they did was far from the correct way to handle collection a debit.
I recently looked at my credit report ( XXXX, Experian and Experian ) and it indicates that I was XXXX days late on my XXXX University loans in XX/XX/XXXX / XXXX 2016. 
I was not late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months ( Attachment XXXX ) shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
This incorrect record on my credit report has caused severe damage to my financial life, and I would like to request the credit bureau to immediately DELETE this record as it is false.
I traded my XXXX XXXX XXXX into XXXX XXXX in XXXX Texas 7 months ago for a XXXX XXXX XXXX XXXX the dealership paid my trade in off it was financed through Skopos Financial I have called XXXX XXXX many times to please update my credit report as paid in full but they have yet to update, still shows open and that I owe XXXX and change As well as my new XXXX XXXX!!! please help!!
My Citibank credit card number was used fraudulently in XXXX 2015 to purchase goods from an online merchant in XXXX. I notified Citibank within a few days of this happening. I still do not have a credit back yet for the fraudulent purchase amount of {$150.00}. I am constantly given a " run-around '' ; given paperwork to sign ; promised that a credit will appear on my account -- -- only to have it reversed again a few days later. I filed an online police report with XXXX XXXX police regarding the individual who fraudulently used my card number. I do n't know anyone in XXXX. I just contacted Citibank again today regarding the matter, and was told the XXXX merchant 's bank would be allowed to dispute my claim ; YET AGAIN, and even then ; the claim may go to XXXX. The Citibank representative said, " we do n't know what will happen if it goes there. '' Citibank are dragging their feet on reimbursing me the {$150.00} ; yet spend millions of dollars advertising that your card is safe, and that they will stand by their customers. That constitutes false advertising. The fact is, Citibank is refusing to refund me my money. The only refund it " conditionally '', and then it is reversed later.
1. On XX/XX/2018, I sent an initial letter to XXXX XXXX ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$250.00}. 

2. I also notified XXXX XXXX that my Initial Letter also served as formal notice that I was disputing the claim. 

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to XXXX XXXX XXXX   Front Desk/Reception on XX/XX/2018 at XXXX XXXX A copy of the Certified Mail Receipt is attached to the Initial Letter. 

4. Thus, XX/XX/2018 was the 30-day deadline for the notice of dispute to be reported to my Experian and XXXX  credit reports. 

5. Upon investigation of my Experian credit report dated XX/XX/2018 and my XXXX credit report dated XX/XX/2018 ( copies are attached ), XXXX XXXX did not furnish neither Experian nor XXXX with the required disclosure within the period required by law. XXXX XXXX is required by federal law to place a " notice of dispute '' on my accounts within 30 days of my dispute, which was received on XX/XX/2018. 

6. More specifically, XXXX XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

7. Thus, it is my request that XXXX XXXX delete the {$250.00} entry as a result of it not placing the required notices of dispute on my credit reports. 

8. Additionally, I never received competent evidence of the debt bearing my signature.
Lincoln Tech promised me of getting a job after graduating in XXXX and it never happened. They did n't teach me the proper material and were very unprofessional and condescending. They left me with {$9000.00} in debt with student loans paying with interest on top of it. They did n't teach me the proper material to work in the XXXX field and rushed through most of the material in class we needed to learn for our XXXX field. Alot of students their didnt know the basic material by the time we graduated and alot of people dropped out of school while we were there. They put us in the worst internship environment that we could n't work at cause we did n't know the proper material to work there. Please have the courtesy of resolving this issue by waiving or reducing our student loans there for wasting our 2 years and tax payer money we gad to waste there
M. Richard Epps P.C. and XXXX XXXX XXXX bought a contract from XXXX XXXX XXXX XXXX XXXX, that the original Creditor XXXX XXXX XXXX XXXX XXXX had Written Off Profit and Loss with a {$0.00} balance. XXXX XXXX XXXX XXXX XXXX only reported accurately to XXXX Both XXXX and XXXX report the account CLOSED/DEROGATORY with a balance but no Closed Date. Originally, the account was Open XXXX XXXX and Closed XXXX XXXX, the vehicle was repossessed around XXXX XXXX and sold at an Auction. The reason that this Debt is not mine is because the original Creditor XXXX XXXX XXXX XXXX XXXX only reported accurately to XXXX that the Account was CLOSED/DEROGATORY Written Off Profit and Loss with a {$0.00} balance. Also, the Original Creditor XXXX XXXX XXXX XXXX XXXX shutdown as of XXXX XXXX. How can XXXX XXXX XXXX XXXX XXXX continue to report fraudulent account activity to XXXX and XXXX. Also, XXXX XXXX XXXX XXXX XXXX can not report to XXXX because the Account Open and Closed Dates will be Unlawful and Unfair and they would have to commit forgery of my Signatory as well as Generate a Contract. I 've hired XXXX Law Firm, Although they can not represent me, they were able to Challenge both the Creditor and XXXX and remove Negative Items. XXXX XXXX XXXX XXXX XXXX was Removed from my XXXX Credit Report on XXXX of XXXX with a Balance of {$0.00}.
I have a checking account with BBVA Compass bank AND a XXXX XXXX account in XXXX. 

They have an option to transfer money from XXXX account to the other " instantly '' generally within XXXX minutes.. 

They frequently debit my money right away and then delay the deposit in the other account. Unless I call and spend approx XXXX minutes on the phone with people that are clueless about this process to get it resolved.
Dear CFPB, A series of errors and disrespectful representatives has resulted in a loss of funds and a late fee for my rent. 

It started with my Now Card which was compromised. I called and had the card closed and replaced. There were 3 fraudulent transactions on it. I later would find out that for some unknown reasons the three transactions were split and sent to 2 different reps. One fraudulent transaction was approved. The day I received the replacement Now card, I also received a letter saying 2 of the 3 transactions were not approved with the erroneous excuse being that my card was not compromised. 

Later 2 reps, one a supervisor said themselves that was crazy and it should not have happened.

I called them back XX/XX/XXXX. The rep said it would be expedited and done by the next day. 

I called back XX/XX/XXXX to learn he had lied and had not processed it. The rep that day said it would be rushed and finished by Tues XX/XX/XXXX. I had been expecting it by XX/XX/XXXX in order to avoid a late fee on my rent ; and believing them I was stuck in a bad situation. 

On Thursday XX/XX/XXXX I called again. It had still not been done. I first spoke to a rep who sent me to a Solutions Dept. The supervisor there assured me it would be fixed this time and that it had already been approved after being on hold for 20 minutes and it would be back in my account within 2 hours. I called back about 3 hours later and spoke to another solutions dept rep. She informed me it had never been approved and that XXXX from before had lied. She then passed me to the department that is supposed to deal with card services. The card services rep did not want to get me to a supervisor and told me the manager was in a meeting. She assured me the manager would call me back that day. Come Friday XX/XX/XXXX I had not heard back. 

Friday XX/XX/XXXX I called back. I was sent back to solutions and then card services. The card services rep did not want to help me. After putting me on hold saying she was going to get me to management she simply put me back in the cue which took me back to the main numbers again. The next rep then did not want to help me and hung up on me. I then called back the main line, asked for a supervisor. That supervisor claimed to be sending me back to Card Services. After a long hold I was disconnected again. I called back again and got to Card Solutions Dept. A woman with a sassy attitude said she would finally get to me to a manager. After 30 minutes on hold, she hung up on me. 

I have still not received the refund of {$7.00} from the fraudulent XXXX transaction, {$30.00} from the fraudulent XXXX XXXX XXXX transaction and have lost {$50.00} in late fees due to the insane disrespect and refusal to get me to a manager or supervisor by the regions tech support staff. I demand that Regions pull the calls from XXXX in solutions and the card services dept with me, reimburse me for the 2 fraudulent transactions and compensate us with credit for the {$50.00} we lost only due to the games Regions shady phone reps were playing with us.
My spouse was going to school at XXXX, she was XXXX in a car accident, we had student loans with several lenders, all her loans were forgiven but one,  salle mae said that because i was a co signer i would have to pay in full plus interest, they would not talk about any forgivness, i think this is wrong, if she would have here i would have gladly paid for the loan, this happen in XX/XX/2011 i paid the loan but i want to know how i can get something back .... thank you XXXX ... ... ps they told me because i co signed i had no rights ... ..
Hello, There was a fraudulent account opened in my name by XXXXXXXX XXXX in XXXX. However XXXXXXXX XXXX removes the debt due to being fraudulently opened not by myself. Now the debt has returned on my credit report by a company that purchased ( A Debt Buyer ) the information by the name of : JH PORTFOLIO DEBT EQ XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX Placed as a collection account totaling : {$5000.00} Replaced as opened on : XX/XX/XXXX I have contacted the company and it still remains on my credit and has caused me a great deal of pain and agony. I want this item to be removed from all bureaus or be forced to take legal actions. 
1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
The original creditors were predatory loans that I took out for a family member. I was contacted by XXXX several times and requested a debt verification letter. The letter was never sent. The representatives contacted me on my home, work, and mobile phone many times per week. After much pressure, I pulled my own credit and saw one account that I recognized and agreed to a payment arrangement for that account. While paying off this account, the representative told me that XXXX had another collection account that I needed to set up payment arrangements for. The representative assured me that as long as I made regular payments, the second account would not be reported. I paid BOTH accounts in full only to find out that the date of first delinquency had been reset to the date I actually paid them off ( XXXX 2018 XXXX. I sent e-mail messages and sent letters through the XXXX Postal service and XXXX has not responded. I called and spoke to a representative who told me there was nothing she could do. When I asked her to escalate my case she said that they do not have an escalation process. I disputed the information through all three credit bureaus and XXXX has confirmed and updated the accounts with inaccurate information.
After graduating school in XX/XX/XXXX, I started paying my student loans in the fall of that year. By spring of XX/XX/XXXX, I began paying via an Income Based Repayment Plan. FedLoan had become my Loan Servicer.  Because I am XXXX and make a very small salary, my payments were {$0.00}, and I would pay some interest annually. I was always approved for the program so had no problem. In XX/XX/XXXX I tried to switch to a REPAYE plan with FedLoan, which has slightly better conditions, and it has been absolutely out of control. I began to receive contradictory reports, such as that I owed about {$550.00} a month, which is half my monthly income, which makes no sense on any IBR. I spoke with FedLoan on the phone myself in early XX/XX/XXXX with the aid of a student advocacy service ( XXXX XXXX XXXX ), and they told me I would be enrolled in the program for a reasonable {$35.00} a month. On XX/XX/XXXX I got an email saying I was approved for an IBR ( not REPAYE ) for {$490.00}. I called them again and they reaffirmed that I would be on their plan for {$35.00} a month. So they ca n't even seem to get their own figures right. All was quiet as the Administrative Forbearance supposedly needed to process this happened ( all the while interest continues to accrue ), until on XX/XX/XXXX I received a bill for {$690.00} from FedLoan which they said would be withdrawn automatically ( although I am not enrolled in this autodraft ) from my Debit account. To make it even more confusing, today, XX/XX/XXXX, I was told I was approved for an IBR plan ( again, not REPAYE ) for {$330.00}. This is absolutely outrageous. They ca n't get their numbers straight, they ca n't figure out which plan I am on, even though I have submitted all the certification paperwork ( and recertification ) year after year. I simply can not afford to pay either {$690.00} or {$330.00} OR {$490.00}, and these are outrageous figures " generated '' for an income based repayment plan. If I could afford these, I would n't need to be on an IBR in the first place!
I had a bill from XXXX hospital that insurance was supposed to pay. After communications back an forth and it going to collections XXXX found out it was a mistake on their part. They had it erasedone from my credit but in the process erased everything I had earned and worked for. Ex : on time payments length of credit number of loans etc. So I had to essentially start over which was never the agreed plan.
Portfolio Recovery Associates, LLC began calling repeatedly demanding payment for a debt they claim I owe to them. I sent a demand for validation. I requested to see proof of contract between myself and this company. In response they sent information regarding XXXX XXXX. To the best of my knowledge I have not had any relations with XXXX XXXX. I am not sure if Portfolio Recovery Associates, LLC is trying to work with XXXX XXXX or if they are trying to pull a scam on me stating they are part of XXXX XXXX. Either way there is no contract between myself and this company.
Once a card is issued at a set rate can the credit card company increase the rate if I am and have been current with all my cards for decades ( never late )
Hello cfpb, My mortgage has been with CitiMortgage since XX/XX/XXXX & I received a joint letter dated XX/XX/XXXX, from CitiMortgage & XXXX XXXX, stating my mortgage had been sold & to start sending payments to XXXX XXXX, beginning XX/XX/XXXX, which is less than 2 weeks from the date of the letter.

My complaint is regarding the unprofessional manner I was advised of this sale And who they sold it to.

XXXX XXXX has the most negative reviews for a business that Ive ever seen. Every review about them is negative - not one single positive review.

I am asking cfpd to investigate why they - XXXX XXXX- are still in business & if CitiMorgage can legally advise me of selling my mortgage with this short time-frame notice.
On XX/XX/18 an item showed up on my credit report that had previously been removed under a different collection agency based on a burden of proof that the debt even existed which it did not. It would appear that this debt was then sold to XXXX XXXX XXXX. These practices are highly illegal. I demand that this be removed from my report immediately.