WillisBack/dataset-financial-user-claim huggingface dataset:
The first week of  XXXX   XXXX  I received an alert from all three credit bureaus th at Aargon Debt  Collection placed a delinquent debt on my credit report. I called  Aaron Collection a gency after finding this debt on my credit report. I spoke to  XXXX   XXXX , who treated me very poorly and told me to just pay the debt. I was unaware i had a final balance with  XXXX  Ohio from over four years ago.      XXXX  said his office mailed a letter in  XXXX  but the address was NOT mine, and I never received any validation notice. After speaking to  XXXX  who was so rude and was degrading me I told him to please send me the evidence of the debt. I gave him my current address and phone number to send me the validation letter.     Today  XXXX   XXXX  fifteen days later I still have not received any validation letter or evidence I owe the debt. In fact, with  XXXX  ' permission I recorded the phone call today with him and he told me who cares about the FDCPA and the law I still owe the debt and I need to pay it for them to remove it from my  XXXX  credit files. I told him without receiving a validation letter, ( which should have been sent to me within 5 days ) and the fact that they threw it on my credit report without ever contacting me about the debt to give me time to respond or dispute the debt my rights were violated. ( Where I have 30 days to dispute the debt ) I had no opportunity to make good of a debt if I owe it before its placed on my credit report and harmin g my credit score.       XXXX   XXXX  said he is th e Executive Director and t old me he didnt care what the laws were to protect consumers and that I am just trying to not pay a debt.     I am not paying on something or giving a company money without written documentation or evidence that I even Owe the debt. The alleged debt is from ove r four years  ago and the collection agency is also reporting it as if I just occured the debt in  XXXX   XXXX  not  XXXX   XXXX . That is ... If this debt is even valid a s I N EVER received any written documentation from them. It was me that contacted them after they already put it on my credit reports.
1. On or about XXXX XXXX, I searched for a XXXX hotel in XXXX, XXXX on " XXXX '' and booked the XXXX rated XXXX XXXX XXXX Hotel for XXXX XXXX. The booking was non-refundable. 
2. On XXXX XXXX, I called and wrote XXXX a letter asking for my booking to be cancelled because I learned from XXXX that the XXXX was undergoing major renovations and guests were complaining about their stay. The renovations were not disclosed on the XXXX website. 
3. XXXX refused, both on the phone on XXXX/XXXX/16 and by an email reply to my letter on XXXX/XXXX/16, and instead assured me that there would be no issues with the renovations. I therefore had no choice but to use the reservation since it was prepaid. 
4. The XXXX was nowhere near the XXXX hotel that XXXX advertised on its website. It was very noisy, there was no lobby for the use of the guests and their visitors, an essential feature of a XXXX hotel, and the restaurant was also very noisy and probably contaminated from the construction. 
5. When I returned home, I disputed half of the $ XXXX charge to my Citibank credit card on the basis that I did not get the XXXX hotel that I had booked as XXXX had advertised the XXXX to be and committed to deliver to me. 
6. Citibank refused my dispute and gave me XXXX different reasons on different occasions : That the booking was non-refundable : While this is true, I argued that this does not excuse XXXX from delivering goods or services that were agreed upon. Not delivering what was agreed upon is a valid billing error. 
That I had received the goods/services : I asked Citibank how would I have known what kind of goods/services I would get if I did not go ahead with my stay at the XXXX, especially since they assured me that the renovations would pose no problems? 
That I did not provide Citibank with a credit slip from the merchant : I told Citibank this is not a " missing credit '' dispute, so how could I produce a credit slip? 
7. Citibank never answered any of my arguments above. Neither did Citibank ever dispute my contention that the XXXX was not the XXXX hotel that I booked and contracted for during my stay there. 
8. XXXX claimed that the renovations were disclosed. But even if that were true, XXXX admitted it was at the very bottom of its webpage, so this was not in accordance with " Truth-in-Advertising '' rules on disclosure of material information. I provided Citibank with the rules but I never got any comment on them. 
9. It is clear from Citibank 's irrelevant, evasive and round-about replies to the issues I raised that it never investigated my dispute as required by the Fair Credit Billing Act. This is one reason for this complaint I am filing. 
10. The other reason I am filing this complaint is Citibank never provided me the results of its investigation, in writing or by any other means, as required by the Fair Credit Billing Act.
I received a alert from all XXXX credit bureaus that a new account hit my report causing my scores to drop dramatically. The collection was from XXXX which was removed earlier this year. I received no documentation validating this debt from the original creditor which is a violation of the FCRA. I would like for this to be removed from all XXXX credit files.
On XXXX/XXXX/2015 XXXX fraudulent charges were made to my Rushcard. My card was then blocked by the company but I was never notified of such charges. I only found out because I tried to use my card at the grocery store and at that time found out it was blocked. I checked my balance and found that I had much less then when I checked. It earlier that morning and came across the charges. I have been trying to resolve the matter since then. I have been in contact with Rushcard for the past 2 days and they are telling me that their system has been down and they can not help me until it comes back up. So until then I am without my funds and can not pay any upcoming bills I have due their error.
In 2013 I was in the process of going through a divorce. I was billed by XXXX XXXX XXXX for XXXX {$40.00} co-pays which went to my husband 's address who is the insured person. I was unaware of any co-pay until being contacted by RSH Associates. I made several attempts to contact RSH but I would reach what sounded like a home answering machine. I did leave a few messages but had no correspsondence with this company beyond that. I was unsure if this was even a legit company so I contacted XXXX with XXXX XXXX XXXX who said that she would contact RSH Associates and tell them to rescind the account and that I could take care of it through the doctors office because of the mixup. XXXX who works in the doctors office contacted RSH a few times and I made XXXX call myself only to be told that they would continue to report the XXXX collection accounts on my credit report. Eight months later and there has not been any resolution and the account is still appearing on my credit report. The account was paid to the doctor 's office. Receipt attached.
I contacted Equifax to dispute Chapter 7 bankruptcy since bankruptcy is not reported by Federal Courts, I requested a signature to verify and received letter stating : " A discharged chapter 7 bankruptcy remains on the credit file for ten years from the date filed, this information was verified via XXXX '' However, no form of validation was received. 
XXXX and XXXX have both removed this item. 
Thanks!
I have XXXX XXXX XXXX. When my XXXX XXXX is high or low I lose my abilities to see clearly and comprehend what I read. I have come to rely on my auditory senses more and more as my health has started to decline. Because of this I have come to rely on the customer service representatives I speak to. 

I was told about Public Service Loan Forgiveness in the Fall of XXXX. I graduated in XXXX of XXXX. I worked with XXXX XXXX as my sole source of information to repay my loan. I was lead to believe that I was enrolled in this program beginning in XXXX and I have made payments each month on time. I call each year to make sure I am keeping up with everything I need to do so that my loan with be forgiven. This is very important to me since I am a single mother with a XXXX. 

Several years later, a coworker suggested that I ask about the XXXX loan forgiveness program and I did. When I called I asked specifically if this would affect the Public Service Loan Forgiveness Program and I was told it would not. I applied for this and it was paid toward my loan. I was told it would reduce the amount of my entire loan and the Public Loan Forgiveness Program would pay less. This {$5000.00} did not benefit me as my entire loan would have been completely forgiven anyway. At this time, I had no information outside of what I was being told. 

During another call I asked if I needed to complete an application for the Public Service Loan and was told it wasnt necessary until XXXX XXXX. I decided on my own to do this and have sent in one complete Employment Certification. During this process no one mentioned how one impacted the other. 

At some point in time my loan was handed over to FedLoan. I have continued to call multiple times each year to make sure I was on track for my loan to be forgiven. I asked specifically in XXXX about my number of payments and was told there was no problem it would be repaid in XXXX. My due diligence was performed when I asked about the XXXX loan forgiveness and with each call I have made since XXXX. Not one person explained that the XXXX Loan Forgiveness would impact the Public Service Loan Forgiveness until I asked about my number of payments In XXXX of XXXX. Having spoke to FedLoan, I called XXXX Services and basically, Fedloan claims it was XXXX 's fault that this was not explained to me and vice versa. I requested a customer service supervisor from FedLoan to call me on my cell phone and I was never contacted. 

If I had access to this information would never have agreed to the XXXX Loan Forgiveness. I asked but was not made aware that the year of services and the number of payments would be affected. In short, five years and 60 payments have been taken from me without my knowledge or consent. I even asked this about this directly and was told it would not affect the Public Loan Forgiveness at all. 

I should have 10 years of public school service this month with 120 faithfully made payments in XXXX counted toward forgiveness. If I had been told of the implications, I never would have agreed to the XXXX Loan Forgiveness. This did not benefit me at all.
XXXX XXXX and XXXX XXXX ran hard inquiries into my credit for secured credit cards and on the site it explained they do n't run hard inquiries on such credit applications but there customer service representative utterered something different over the phone speaking to the contrary. I need these XXXX hard inquiries removed from my credit report. Also exqufax has the wrong social security number and does n't want to fix this I need these two issues resolved as soon as possible.
The NY Department of Social Services paid my XXXX and XXXX bill when I was laid off. I am paying the Department of Social Services back for this. I am receiving collection notice for this debt that was paid in full from a collection agency several years later.
Opened a HELOC in XX/XX/XXXX with an initial draw with a fixed rate of 5.49 % over 5 years for {$40000.00}. A month later i took an additional {$20000.00} ( non-amortizing ) under a 6-month promo rate of 4.49 % that reverted to 7.25 % on XX/XX/XXXX. On XX/XX/XXXX I attempted to make a payment of {$20000.00} to pay down the {$20000.00} draw that had a higher rate, however by default the payment is applied to the oldest draw, not the draw with the highest interest rate. I believe this would fall under the Card Act ( pursuant to Reg Z ) which requires institutions to apply payments to the highest interest rate segment of a credit extension. 

I spoke with the bank and customer service said they were unable to apply the payment in this manner. My personal banker spoke with a rep from XXXX XXXX who can apply it manually however I fear this is a systemic issue that is leading to undue interest income for the institution at the expense of less-informed borrowers. Standard practice should be to apply payments to the draw with the highest interest rate first ( one monthly P & I has been satisfied ). I also wonder if this would additionally fall under UDAAP.
On XX/XX/XXXX I filed a complaint against Cavalry Portfolio ( see previous complaint XXXX ) One of my claims was that this account was eight ( 8 ) years old since date of last activity, 2 years past the Michigan statute of limitations and at least one ( 1 ) year past the allowed timeframe to report to the credit bureaus. 

Another claim I made was that Cavalry willfully re-aged this debt to allow them top place it on my credit reports. 

I received Cavalry Portfolio 's response dated XX/XX/XXXX ( see attached letter ) in their response Cavarly admits they inaccurately reported this debt as date of last activity being XX/XX/XXXX. 
Cavalry also admits this debt was charged of in XX/XX/XXXX ( something they willfully did not report to the credit bureaus. 
Cavalry also states the this account will no longer be reported to the Credit Bureaus. ( see attached letter dated XX/XX/XXXX. " We are no longer reporting this account to Consumer Reporting Agencies ( CRAs ) However, this account continues to be on my XXXX, XXXX and XXXX reports. Cavarly NEVER acknowledged they would contact the CRAs to delete this account. Although it is required by law for them top do so. 
Damages continue to mount against me
On or about XXXX XXXX, 2016, I received a bill requesting payment to Fedloan Servicing. I contacted Fedloan Servicing, inquiring how they were able to consolidate without my signature or or me agreeing to loan terms. A representative from Fedloan Servicing, going by the name of " XXXX, '' ( no last name included ) responded, " We do not need a wet signature for these applications due to you agreeing to the terms online. '' She also told me that Fedloan Servicing sent me a letter giving me an opportunity to cancel the consolidation in 20 days, a letter that I did not receive. I had never received any phone call from Fedloan Servicing during this time. I did not agree to any terms of this nature online. 

I do not want any affiliation with Fedloan Servicing after reviewing them online. I believe this practice to be fraudulent and unlawful. I am in the process of sending them a XXXX demand letter.
TD bank has not sent me the agreement and statements of my checking account. Tonight one of the agent on phone said, " we stop sending mails because the post office said it was not deliverable. " And an agent acknowledged that I had no internet account with them. They changed my checking status without my knowledge. They said it was done over the phone. But I had no knowledge of it. It is called XXXX. If there were not sufficient fund, the bank will advance with the fees of XXXX dollars for each transaction. I do not link my saving and checking. Recently, I was fined 5 {$35.00} ( total of {$170.00} in 2 days. ) overdraft charge. They say I can dispute with a bakery which I purchased {$7.00}. I asked the bank, " why do I need you to pay {$7.00} with the bank charge of {$35.00}. I could have used my credit card? ". I received 2 courtesy refunds from 2 different agents as of tonight XX/XX/XXXX. However, 3 more overdraft charge were pending. 1 ) I agreeded to pay one time overdraft charge of {$35.00} : 2 ) I asked to stop XXXX program on my checking account. 3 ) I asked why the bank make decisions of not sending the statements according to the post office, not asking me when I visited at the bank. I found these even fraudulent because mails from other banking institutions reach me. To change the status of checking account without customer knowledge is unaccessible.
Clarity Services Inc appears on my credit file as a XXXX XXXX XXXX XXXX  in which I did not apply for. I'm not trying to hear the XXXX about XXXX owns or merge or what ever lie Clarity Services is running. Now its XXXX XXXX XXXX all it is a scam by XXXX as well as Clarity Services Inc. I did not apply or request no loan from XXXX XXXX XXXX XXXX. I'm also filing a complaint with the Attorney General. I opt out with XXXX in XXXX XXXX XXXX for no marketing or offers as for my opt out is violated. 
Fraud
At the end of XX/XX/2017 I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to file a Bankruptcty I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the item immediately and Equifax and XXXX   have done nothing. 30 days have passed and I sent my second request to Equifax and XXXX  and 30 days have passed again and Equifax and XXXX has again done nothing which is why I decided to come here for help, please help me.
The loan i have was for {$600.00} and I recently defaulted on my loan. The finance charge that I received was for {$500.00} and the ending amount that they said I would end up paying is {$1100.00}. I have already paid them {$390.00} and the letter that they sent me states I have an owing balance of {$460.00}. They sent my job a wage garnishment letter stating that I owe {$920.00} which my job signed and I am now being garnished. When I called today that amount has increased to {$990.00}. They have already received {$100.00} from me already through my wage garnishement so I do n't understand how I owe them this much when I have already paid half of this loan down. They are still charging me fees and interest after they claim that took me to court to get the amount of this {$920.00} that they say I owe but I know that amount is way too high.
Multiple credit inquiries on the report that were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX
Basically since we had got the loan the car has needed work after work so paying car note plus put money in the car so it works is to much. We pay car loan every month even if late 1 or 2 weeks it gets paid plus late fee is paid. They call and threaten u after 1 week of being late saying they are taking the car i could see if a person doesn't pay a loan at all but a week or 2 behind? We got a call from them on XX/XX/2018 about late payment and car would be took car payment is due on XXXX every month. We called them got real bad attitude from two different people who work for them both time hung up phone on me. We have had the car around 4 to 5 months now and payment is always paid before XXXX of month. Company is future finance in XXXX XXXX Illinois
I have paid on these loans for over 10 years now. The amount has only INCREASED and not decreased. I had the department of education tell me as well as a navient manager, both stated these loans have been satisfied. My original loan has been bought out 3 times. PLEASE HELP I have sent in a dispute in XX/XX/XXXX with no avail. I DO NOT want this going against my credit. I have FAITHFULLY paid on the loans with only one year of forbarence in XX/XX/XXXXmy husband lost his job at that time as well as my son was born with a XXXX that is still on going. PLEASE HELP
Capital One discontinued my benefit of a Year End Statement Summary associated with my MasterCard, without giving written notice or informing me of the option to opt out of this change by cancelling the card 45 days before the change went in to effect. While attempting to resolve the issue with Capital One I was informed that the Year End Statement Summary would only be provided upon request, and when this service was requested by me, I was informed that it had been discontinued. This is a significant change in my and others opportunity to benefit from the use of this service.
i currently have a loan which is a second mortgage loan from pnc bank and the interest rate is 8.5 % was opened in 2007 and about a year ago or XXXX ago I contacted them to refinance and lower my interest rate so i can get a lower montly payment they refuse me as my credit was not good. I tried again same and now I am behind with my payment for 6 months totalling XXXX, XXXX and they want to foreclosure on my home I cantact them again for a loan modification and they never sent me the paper work so i contact alliance which was unable to help me so they give me the link to pnc bank for loan modification I send them the application they did not answer me I think this bank just want to do foreclosure instead of helping me out with the rate which is 8.5 % most loans in these days is 4 % kindly look into this and let me know what to do
Over the course of almost one year I have disputed an incorrect address that Equifax has on my personal credit report. Equifax will investigate the incorrect address, send me a letter stating the results of their investigation which states that the address has been removed and then reinsert the address a few weeks later. They have done this multiple times ( see attached documents directly from Equifax ). They have also NEVER sent me notification that the incorrect address has been reinserted into my credit file. 

I have repeatedly sent Equifax copies of their results letters indicating that the incorrect and disputed address have been deleted. I have sent letters asking them to follow the FCRA, specifically section 611 which talks about reinsertion of previously deleted information. 

Enclosures Copy of FCRA 611 Copy of Investigation Results Letter dated XXXX XXXX, XXXX Copy of Investigation Results Letter dated XXXX XXXX, XXXX
I filed for my 2012 taxes in the state of Rhode Island where I lived and Mass Department of Revenue had bad reporting by the payroll company who did work for my company. They allocated XXXX in income to Mass. I never lived in MA at the time. Therefore, they want me to pay a full years tax in MA. I am working on getting it corrected with the Payroll company so my tax atty can resubmit and get a reimbursement from MA instead of me paying in. I signed and submitted to EOS CCA and Mass DOR a Power of Atty. I sent it three times, they keep contacting me and not trying to resolve. Now they are saying they will garnish my wages in communications.
TD Bank which claims themselves as Americas most convenient bank is in fact a XXXX company. The company falsely represents itself and has caused me and my company severe damage which can not be repaired. Their use of overdraft charges and lying has caused me great harm. The Company even  went as far as defaming me to a police officer making false accusations. I tried as hard as i could to get my overdraft monies back, but they wont pay, and i ended up taking them to court this morning.
Equifax did not properly secure my protected personal identifiable information from intrusion. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by what I saw in news reports, which in turn link to a third-party website asking for social security numbers plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.