WillisBack/dataset-financial-user-claim huggingface dataset:
on XXXX XXXX I checked my credit report, because I would like to buy a home soon and all of my inquires where off. and I went back to look again and now they are back which has dropped my score down
Shermeta law group is fraudulent cashing check 's made payable to XXXX XXXX and not reporting the payments to my credit bureau since XXXX XXXX. My Payment 's are current and now they filed default judgement againt 's, I am a XXXX Employee that is XXXX and have XXXX. XXXX XXXX XXXX and their Client XXXX XXXX are in Violation of XXXX XXXX XXXX 's code of conduct and zero tolerance anti harassment that covers all XXXX XXXX division and entity 's including their Client XXXX XXXX. A complaint has been filed with XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX HR againt 's XXXX XXXX and XXXX XXXX XXXX, a Complaint has also been filed with XXXX and XXXX. They have also caused me to be evictied by not working with me when I was on layoff XXXX, and Ca n't afford my medications, These companies will not stop harassing me and making me sick with XXXX XXXX and XXXX. Maybe XXXX and their Client XXXX XXXX should review XXXX XXXX 's code of conduct and the zero tolerance harassment, legal action can be sought after XXXX and XXXX XXXX for violation of policy. Make them report those payments to my credit bureau and stop harassing me. Please. Everytime a complaint is filed I get no answer to the question, WHY ARE MY PAYMENT 'S NOT BEING REPORT TO MY CREDIT BUREAU????. I WILL KEEP FILING COMPLAINT 'S DAILY TILL I GET THAT ANSWER? Why will they not answer that question? Do I have to go daily to there office or to shermeta 's attorney house to get a answer??? This also need 's to be sent to XXXX XXXX. Thank you.
This debt was originally with a company called XXXX, they contacted me in XX/XX/2016 to collect the debt for XXXX. On this phone call I explained my situation to them which was I had dropped a phone that had about 8 months left on its contract and payment plan into a cup of water. Being that majority of my plan paid out I was willing to pay the remaining balance on the phone that I had damaged but I wanted my service cancelled because it was no longer working. The man I spoke to at XXXX agreed to make sure the service was verified cancelled before I made my the payment to them, so after about 10 minutes on hold and him speaking to his superior he said that they went ahead and contacted XXXX and had marked my account to be cancelled upon payment. It was at this time we settled on a payment of XXXX dollars which I made in 3 payments over 5 weeks. I have the bank statements to prove these payments were made. Shortly after I made these payments I checked my credit report to make sure it had been removed and it had not. It was at this time over 6 months ago now that I filed a dispute explaining all of this, after 2-3 weeks I got an email updating me that the derogatory mark would be removed and I had won the dispute and the creditor agreed to remove this from my credit report. About a month or 2 had passed and I got a phone call, now it was from this current debt collector I explained everything to the woman on the phone and she basically told me to go dispute it again if I want or pay them but that I 'm better off paying them. That is not okay, I settled on this debt, I paid the settled on amount, and now this is ridiculous. This debt is sold and bought for pennies on the dollar to try and collect from the next one. I 'm not paying this debt when I already paid it.
I have called ACS multiple times over the past year to see if there was anything I could do to lower my monthly payment on my private student loans. I have been told that all options have been exhausted and there is nothing they can do unless I default on my loan. I have explained that I will not default and I do n't want to be in deferment or forbearance, I would simply like to find a way to lower my monthly payment and pay a little less per month. 

I am paying {$1000.00} per month ( {$260.00} for federal and {$730.00} for private ).
Back in XXXX of XXXX, I filed for the Income Driven Repayment due to the amount of money I made with the job I was able to find, following graduating from College. I was approved for a {$0.00} payment for 1 year with the time-frame going from XXXX of XXXX to XXXX of XXXX. Assuming that everything would be fine with this approval, I went about my life working and doing my best to make ends meet. I went to check on my account in late XXXX of XXXX to see that my loans were delinquent and had been marked as delinquent with my credit bureaus, dropping my credit score significantly. This started the process of going back and forth with XXXX to figure out what had happened and how this could be resolved. On XXXX, I spoke with a representative at XXXX who stated that the issue was XXXX 's mistake using the statement " Our Bad '' to describe what had taken place. Over the past month, I have made numerous phone calls to various individuals at XXXX and have filed for the company to stop reporting negative remarks to my credit and in fact report these as positive. On XXXX, I received a response back from the credit department at XXXX stating that everything that was documented by XXXX was correct and that no actions would be taken to fix my credit issues. I have been working with XXXX XXXX to remove items from my credit report, but each time they have managed to get something removed, XXXX reports another delinquency creating a circle of unending resolution. If I have a current IDR on file with XXXX  that lasts for a year, why is it that they are allowed to continue to report my accounts delinquent. The most frustrating part is that they are saying the account is current on the client website, yet reporting delinquencies to the Federal Credit Bureaus.
On XX/XX/XXXX, an account was fraudulently opened in my name & social security number with XXXX XXXX. I was alerted to this issue by my credit monitoring service with Equifax. XXXX XXXX was contacted and the account was closed as fraudulent prior to the card being activated or used. XXXX XXXX communicated in writing on XX/XX/XXXX and indicated the above referenced account was to be removed from my credit report. The account has been removed however the inquiry, which I did not authorize, has not been removed from my Equifax credit file. I have disputed this issue with Equifax XXXX times and each time the result is as follows : '' We have reviewed the inquiry information for XXXX. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor '' I have contacted XXXX XXXX and they indicate that they have informed Equifax to remove this inquiry and record on XXXX XXXX and can not do anything further and that I should contact Equifax. 
Equifax when contacted as per XXXX XXXX responds that they are unable to do anything and that I need to contact XXXX XXXX. The finger pointing has been occurring since XX/XX/XXXX ( 60 days after the official communication between XXXX XXXX and Equifax XXXX. 

I want this un-authorized inquiry removed from Credit Report as it has affected my FICO Score, decreasing it XXXX points on XX/XX/XXXX.
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. XXXX XXXXWALMART has been reporting incorrect information on my credit reports. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to XXXX XXXX/WALMART, which was received by the company on XX/XX/2018. On XX/XX/2018, XXXX XXXXWALMART sent me a letter simply indicating that it terminate collection, which was received on XX/XX/2018. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting description of the procedure used to determine the accuracy and completeness of the information that was sent to me. I also requested the name, address, and telephone number of each person who personally verified this alleged account, so that I could inquire about how they verified without providing any proof. This follow-up certified letter was received by the company on XX/XX/2018. 

On XX/XX/2018, exactly 31 days after the receipt of the certified dispute letter was received by the company, I pulled my credit reports again, only to reveal that XXXX XXXX/WALMART had violated the Fair Credit Reporting Act, FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not properly providing the credit bureaus with proper notice within the required 30-day timeframe. 

Therefore, on XX/XX/2018, I sent a certified dispute letter alerting the company of such violation, which was received by the company on XX/XX/2018. As of today, XX/XX/2018, XXXX XXXX/WALMART has failed to comply with the laws of the FTC and the FCRA, and they are still reporting inaccurate, incomplete, unverifiable information to the credit bureaus, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
I am currently XXXX, recently single, and unable to work. I have no income. The company refuses to allow me to defer my loan so I am not in danger of defaulting.
To Whom It May Concern, I have been dealing with this company for a few months now, corresponding back and forth regarding my current debt. I am yet to receive any definitive help concerning my situation. I ask specific questions about this debt which I am accused of owing. I sent them a letter of validation with specific questions in order to provide them with an opportunity to prove that debt does in fact belong to me. The only response I got was an automated XXXX. Apparently, they have contacted the original creditor and hold a copy of the bill from the original creditor. I did receive this copy and was informed that this should be considered proof that the debt belongs to me. I have advised them that I will be filing a complaint with the XXXX also the FTC and the Attorney General 's office. I ask for your help towards figuring out the next steps in resolving this matter. Any assistance you can provide will be greatly appreciated. 

Thank you, XXXX XXXX
A few weeks ago I set up a new savings account with Wells Fargo. The savings account was supposed to be linked to my debit card. The representative I spoke with assured me this had been done so that I could access my savings account from an ATM machine. On XXXX XXXX I went to get {$40.00} from that savings account at the ATM The ATM did not allow me to get funds directly through that savings account. It instead routed the funds through my checking account. My checking account did not have the funds to cover the {$40.00} withdrawal, so money was moved from my resulting in a {$12.00} transfer fee. When I called Wells Fargo on Sunday XXXX XXXX, the agent I spoke with went ahead and linked the savings account to my card, and said I should not be charged a fee for the transaction since the savings account should have been linked to my debit card. However I was still charged a {$12.00} overdraft transfer fee on XXXX XXXX. I feel that fee should be reversed since the product specialist who created the savings account for me did not link the savings account to my debit card as she said she did.
My name is XXXX XXXX and I am writing a complaint about Barclays XXXX   Rewards Card ending in XXXX.

OnXX/XX/XXXX I set up a repeat payment with Barclays Card for the amount of {$200.00} 3 days prior to the payment due date. ( Please attachment ) On XX/XX/XXXX I noticed the the payment had not been deducted from my account. I called and spoke with XXXX. He informed me that it would take 30 or more days for the repeat payment system to process and start. I asked him to take the money out so that I am not delinquent. He processed a {$200.00} payment on that day which was deducted from my bank account on XX/XX/XXXX. He also returned the late fee. ( See attachment ) On XX/XX/XXXXI noticed that {$440.00} was deducted from bank account for Barclay Cards. I called and spoke to XXXX who saw that the payment was set up for {$200.00} but could not explain why it deducted more. Then put me on hold and told me that they minimum payment was increased because the {$200.00} payment on XXXX XXXX  was not calculated. I asked to speak with a supervisor and got XXXX. She said that I selected minimum payment due instead of other amount, therefore, it deducted the what was due because the {$200.00} was not calculated. I told her that I have the print out that shows that I set up for other amount and specified only {$200.00}. XXXX  arrogantly tells me that the company can take out the amount they chose if there is a balance. I explained that I only gave them permission to remove {$200.00} and feel that anything above that is not agreed upon and therefore, should not be at their discretion since it is my bank account and my money. Also, the {$200.00} paid on XX/XX/XXXX was paid and late fee was removed in enough time to be deducted from the balance due but if it didn't deduct it, I only gave permission to remove {$200.00} from my account. XXXX   continued to argue the point that they have a right, therefore, I hung up.

I feel that the website fraudulently leads customers into thinking they are on a secure website and that the agreement made with the company is valid. However, they are now using my electronic permissions for a specific amount to freely decide what to deduct.
On XXXX XXXX I received a letter from first national collection Bureau located in XXXX Nevada their phone number is XXXX they have a reference account number of XXXX XXXX XXXX XXXX I contacted them and representative explain to me the debt is from 1995 I explained to her that I never had a credit card with XXXX she then hung up the phone
I am currently purchasing a car, financed by Prestige Financial Services. The day before the due date, the persistent calls, text, and emails start. If I am late the emails become very rude, abrasive and threatening. When it 's brought to their attention the context of the email, the answer is, anyways it needs to be paid. Upon further investigation and trying to refinance the vehicle, I 've found out I owe XXXX on what the car is worth at the moment. The crude and inconsiderate tactics of this company alone makes a consumer not ever want to deal with them again. I have contacted the XXXX previously and the calls, text, and emails stopped for about XXXX months. Only to be turned over to another finance person and the calls and emails are more rude and threatening as ever. I was unaware that there is no grace period available on this loan, however, I always pay the bill monthly.
Ars collection posted fraudulent information in my credit report. They reaged a debt. They reinserted a debt into my credit report without sending a 5 day notice. Also they are reporting the debt as a new collection XX/XX/XXXX but the debt is from XX/XX/XXXX so they reported fraudulently to keep it in my credit report longer than law allows
CB deleted account for XXXX on XXXX XXXX and the account was added back in XX/XX/XXXX2016. Equifax failed to validate the debt in 30 days and continues to allow the company to report to my credit at their leisure without validating said debt. I have sent letters to both Equifax and XXXX to resolve debt and have it removed to no avail. Equifax continues to violate my consumer rights by allowing this company to place unverified information on my report.
Approximately 12 years ago I had an outstanding debt with XXXX. The total debt was less than {$4000.00}. It remained on my credit report and the day before it was due to come off my credit report, I received notification from Pressler & Pressler that they had purchased the debt which was then over {$7000.00} after they tacked on interest, fees and court costs. I filed an answer to their court documents and we made a payment arrangement of $ 100 monthly. That continued for approximately 2-3 years. I paid more than the original amount owed. Per my conversation with them today they were aware of my new address. I received no correspondence from them since 2013, nothing requesting payment, at all. I assumed since I had received nothing, the debt had been satisfied. Friday I received my paycheck and it was garnished for {$200.00}, XXXX % of my income. I was not made aware of this beforehand, just 2 years later, out of the blue, they take my money. They are saying I still owe over {$4100.00}. This is robbery. I have checked online and they have had numerous complaints and suits filed against them for these unethical practices. Why should I have to pay double for a debt that was never owed to them in the first place. The money is not even going to the original debtor. This should be against the law. I am the only source of income for my household and I am already struggling. With them taking {$400.00} a month from my pay I can not pay my rent. They had ample time to contact me in reference to this debt and nothing for two years. I realize not that this was intentional. If the3re is any way possible to stop this garnishment, that is the objective, even if it means going back in front of a judge.
Due to Job loss I contacted two of the company 's that I have credit cards through. XXXX ( Store Cards ) and XXXX XXXX. ( XXXX XXXX store card ). I advised that due to circumstances I would like to see what kind of payment arrangements or programs they had for assistance. ( I have been a long time customer in good standing ). I was told that they hardship programs they had were not available until I was at least 2 months behind. That would then mean that besides being late I would accrue fees for being late and over the limit and ( my credit rating would be affected ). I again advised I am  trying to be proactive to avoid these issues. They advised me they would NOT work with me in advance of being behind. They would not lower my interest rate nor negotiate. Secondly working with me after the fact of being behind usually involved lowering my payment amount but the account would be closed. This also negatively affects my credit. With most interest rates being 17.99 to 24.99 % these company 's have made 3-4 times over of what you actually owe and has you over a barrel since the world revolves on that almighty credit rating.
In the latter part o f XX/XX/XXXX , I w ent to  XXXX   XXXX  in  XXXX  NJ to purchase a  XXXX   XXXX   XXXX   XXXX . I went with very good credit and an excellent job. Yet despite these factors, I was granted a subprime loan b y Capital one at a rate of 12 %.  It had always puzzled me as to why I was directed to them and given a high-interest bracket loan when I had very good credit and a stable job. In addition, in   XX/XX/XXXX I had  paid off a previous auto loan for a used  XXXX   XXXX   XXXX  ( purchased in  XX/XX/XXXX  )  to  Capital One. I strongly feel as an   XXXX   XXXX   woman I was deliberately targeted and steered towards a subprime loan si mply because of my race. Capital  One  and the auto dealership colluded to give me a base car with a padded high-interest rate to their benefit. Capital  One  took advantage of a good credit worthy customer by issuing me hiked up loan. This loan caused my financial life to collapse. A domino effect began. I struggled to keep up the payments and was able to do so until my employment ended in  XX/XX/XXXX . In   XX/XX/XXXX  Capital One  modified the loan and lowered it a mere  1.25 % and stretched it out 3 additional years which is still p redatory in nature. Here it i s  XX/XX/XXXX  and I am  still paying for this car. I have asked them to close up or end the terms considering that I was scammed ; however, they refuse. I do n't have the credit worthiness at this point to do anything else with my finances. I am literally in bondage to this loan and it has hurt my family and my ability to maintain other areas of my financial life.
I lost my job and had been unemployed for past 6 months. I recently found a new job and also am expecting a refund check in the mail for total amount of money I am behind. I called BBVA a week or so ago and informed them of the situation and that I was told my check should be arriving by XX/XX/XXXX. I told them I would pay full balance past due then. The lady I spoke to said that was okay. 

Today, BEFORE XX/XX/XXXX, they are telling me they will put my car into repossession unless I pay them immediately and as I tried to tell them, I do not have money yet or check in hand! I asked them to wait until next week and they refused! THEY BROKE THEIR PROMISE TO ME.
I am concerned about the Equifax data breach. I have to take ( and pay for ) steps in order to protect my credit which was compromised through no fault of my own. Credit freeze and thaw should be free under federal law.
Ive disputed two accounts with XXXX several times and they keep saying that the accounts have been verified and updated. I disp The Wells Fargo Account because it over the statue of limitations time frame of seven years and there still reporting on my credit file. The other account with commonwealth financial is a Hippa violation and they keep updating my account also and saying its verified but refusing to send me the necessary documentation that shows who verified what.
I received XXXX and XXXX credit reports online at AnnualCreditReport.com. 
Equifax, instead of displaying my credit report, I get a web page that says : " Online Delivery Unavailable '' and " We are not able to deliver your free Equifax Annual Credit Report online. '' Why not?
Some of my credit card issuers are trying to charge a minimum interest of {$2.00} even when my balance is paid in full each billing cycle. Others are charging it in lieu of the actual accrued interest, which is less than {$2.00}. I complained and was told that congress authorized them to steal my money in this way through the credit card reform act. Obviously, this is problematic. 
Sincerely, XXXX XXXX
Received documents forwarded by CFPB and had my Lawyer over look the documents.
I was informed your company documentation 's was missing a valid contract, consisting of Mutuality of obligation. And theirs no clause permitting the original debtor to charge interest to the debt, including collection agency. FAIR DEBT COLLECTION PRACTICES STATUTES, states Statutory penalty. The general rule is that private parties may not impose penalties. Only governments could impose penalties. Now, statutes sometimes allow private parties ( such as credit card issuers ) to impose penalties, but unless specifically authorized by statute, a penalty ( such as an extra charge for doing or failing to do something ) is not lawful or recoverable.72 Prejudgment interest is an element of damages that is subject to and limited by legal rules. For instance, if the prejudgment interest rate is not specified by contract, a debt arising from a loan of money bears interest at the rate of 10 percent per year after breach, 71 Their is no contract to be breach, only a service agreement with no obligations financially, penalties or payment dates.
I sent certified letters on XXXX. The letters was received on XXXX. They state that they have verified the information with the party. But I have certified letters from the party stating otherwise and I also have a security freeze.