WillisBack/dataset-financial-user-claim huggingface dataset:
I am having issues with inaccurate information showing on my credit report my name should be listed as XXXX XXXX XXXX. Please remove any other variations of my name. My only address is XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX please delete the following addresses they are not mine!!! 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
I graduated college XX/XX/XXXX and acquired several student loans with my parents in order to qualify for my financial aid. At first I chose to defer the loans when they were with XXXX XXXX. XXXX XXXX had my loans grouped into XXXX groups-Department of Education, Federal, and Private. After paying for several years the loans were transferred to Navient, which has been a complete nightmare. XXXX XXXX was bad, but Navient is absolutely awful. My main problem is that I have a very high amount of debt that is privately held, which there are little to no options available to me. When I heard the CFPB was involved in a lawsuit with Navient I needed to voice my concerns. I feel like I literally will be working my entire life just to pay them off. My loans are now in XXXX categories similar to that of XXXX XXXX. I was in a car accident XX/XX/XXXX and fell behind on payments. After months of negotiating and seeing what I qualify for I had to give Navient my bank statements and my parents. They went line by line and questioned everything. One of the representatives even said " Wow that is a lot of money to be spending at the gas station. '' She was referring to my father 's account as he drives from XXXX to XXXX every day for his job. I finally was approved for a rate reduction program for the Private loans and placed the other loans on Forbearance due to hardship. To this day we receive stacks of mail correspondence, daily phone calls, emails, etc. even though everything should be up to date. I have had a breaking point as I realize that now at XXXX years old with almost 90 % of my debt privately held I will never be able to qualify for a mortgage, it has ruined my credit, and my payments are always messed up. I do not contest the fact that I owe money for my education, but coming from a banking background I find it amazing that a loan was underwritten for the price of a home at the ages from XXXX-XXXX, but could not legally get a credit card. I often wonder how did they per-qualify us for these astronomical amount of debt? I would really like to continue to my life, pay off a fair amount, and contribute to our economy as I move forward in life.
Citi credit card named " My Best Buy ''. I have been a customer with a meticulous payment history for over 10 years contacted me to try to collect a payment they felt was past due. I provided the electronic payment information from my bank to them to prove they had been paid weeks ago. They refuse to acknowledge payment and have tacked on interest and late fees. I have made countless efforts to resolve and have asked for a Supervisor to call me, to no avail. I contacted my bank and they confirmed that Citi was indeed paid and have also sent proof to them. Still, they will not acknowledge it. I have spent several days and countless hours trying to get them to do the right thing and they refuse to fix the problem, or to allow me to speak with a Supervisor.
I applied online for the US Bank Cash Plus credit card in XX/XX/2017, using a sign-up bonus, that I get {$150.00} after spending {$500.00} within 90 days of getting my card. I spent the {$500.00} within the timeframe. I have still not received the {$150.00} bonus. I emailed US Bank to inquire, and they advised me I did not sign up with this bonus, when I used their link online clearly promoting the sign-up bonus. I have attached 2 files - the advertisement from US Bank with the sign-up bonus, and their email to me saying no bonus
Accounts Research ( " Debt Collector '' ) had indicated their intent to file a judgment on medical bills owed by my wife and I ( " Payees '' ) of approximately {$2500.00}. Debt Collector and XXXX XXXX XXXX ( " Creditor '' ) would never provide documentation supporting this amount. 

Instead of having wages garnished, Payees agreed to an " Agreed Upon Judgment '' without verifying the debt in order to prevent embarrassment from the community as well as employers. The Payees would make an initial payment of {$500.00} and subsequent payments of {$200.00} until receipt of a tax return, at which time the balance would be paid in full. The agreement was signed by Debt Collector and Payees and notarized and presumably filed with the judgment. Even at this point, the Debt Collector would not provide documentation validating the debt. 

In XXXX 2016, the Debt Collector contacted the Payees and indicated the Payee 's insurance company had returned insurance claims, thus increasing the amount owed. Despite making payments of approximately {$900.00}, Debt Collector indicated the balance was the same as initially indicated of approximately {$2500.00} ( expected balance to be approximately {$1600.00} ( {$2500.00} - {$900.00} ) ). Again, asked the Debt Collector and Creditor to provide proof of increase and was told by the Debt Collector each were no longer required to provide proof of increase and would need to contact the insurance company. Insurance company indicated all claims had been paid. Despite this information from the insurance company, Debt Collector and Creditor were still not cooperative and have yet to validate the debt till date. 

Although the request for debt validation may have passed, the Payees have never received debt validation during this time. It is my understanding that if the Payees do not request debt validation within 30 days of the first contact, the courts will not consider you having admitted to owing the debt or that the debt is valid. See FDCPA 809 ( c ) : " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' To the Payees, proper debt validation should be in the form of documentation from the Creditor, not the Debt Collector. 

Is this not noncompliance with Section 809 of the Fair Debt Collection Practices Act?
I applied for a Capital One XXXX card in XXXX of this year and the card was shipped to me on XX/XX/XXXX of this year. I was approved for {$1000.00} limit. When I received the card in XXXX, Account Number XXXX XXXX XXXX XXXX, I used it for {$120.00} in purchases and then I tried to use it and it was denied. I called Capital One and they said the card was issued in error and they would send me a letter explaining what happened. 

I never got the letter. I have repeatedly called Capital One and have been told a letter was sent, it was not. I have tried repeatedly to access my account online but did not succeed until today XX/XX/2018. 

I applied for an account in good faith and an account was opened and submitted to all three credit reporting agencies. I have made a payment of {$60.00} today, which includes a late fee even though Capital One blocked my access to their online application and I could not make a payment before today. 

Capital One says the account was opened in error, it was not any error on my part and it should not be my problem. The account is now part of my credit history and it is paid, the card should be available to use, I have done nothing to deserve otherwise.
I contacted you prior regardinging this issue ( XXXX & XXXX ; XXXX ). The XX/XX/XXXX IRS form 1099C shows the amt of debt discharged as  {$170000.00} on XX/XX/XXXX with a fair market property value of {$70000.00}. Due to misapplication of payments for XX/XX/XXXX & XX/XX/XXXX to an account ( 2nd lien ) that was closed in XX/XX/XXXX, I was denied the 2nd ( {$110000.00} ) & 3rd (  {$58000.00} ) installments ( see page 7 of 8 of OLS Form ( rev.XX/XX/XXXX ). The effective date of the loan modification was XX/XX/XXXX which should be completed in 247 months if the contractual obligations are met. 
Today XX/XX/XXXX, I spoke with a male claiming to be XXXX, XXXX ID # XXXX @ XXXX regarding my payment reconciliation history. He claimed that it was ok for Ocwen to charge property inspections fees everytime the payments go over 30 days as well ad late fees. A check of the history shows charges going back to XX/XX/XXXX. Several Payments were placed into forbearance acct instead of applying to the mortgage from on XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX while property inspections & Valuation expenses fees were charged on XX/XX/XXXX. No explanation for {$280.00} to Investor Suspense on XX/XX/XXXX. Could n't understand why charged property Inspections & Valuation Fees on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, even though payments were on time since signing the agreement on XX/XX/XXXX. No explanation why {$770.00} was placed in suspense acct & not refunded. 
Recod shows that 1st Deferment was done on XX/XX/XXXX for {$58000.00} ( requesting IRS Form 1099C for XX/XX/XXXX ). Page 7 of 8 of the contract shows that the deferred principal balance would be {$170000.00} from XX/XX/XXXX-XX/XX/XXXX. The 2nd deferment the principal balance would be {$110000.00} from XX/XX/XXXX-XX/XX/XXXX. This was never done because of the misapplication of payments. XX/XX/XXXX statement dates shos the deferred balance. XX/XX/XXXX & XX/XX/XXXX shows the same since there was no adjustments. Two years later after contacting the CFPB, on XX/XX/XXXX, the 2nd deferred balance ( {$110000.00} ). This would correlate with page 7 of 8. But the 3rd deferred payments if {$58000.00} was never done.It should have been done from XX/XX/XXXX-XX/XX/XXXX
XX/XX/XXXX XXXX Credit Report SENTRY CREDIT INC & XXXX ACCOUNT : XXXX SSN : XXXX DOB : XX/XX/XXXX Dear Sentry Credit Inc, I am one of those people that check their credit reports quite often, almost twice a day to ensure accurate and legal reporting of items. Today I wake up to a notification that you all have placed this account ( XXXX ) on my credit file after being aged for 4 years. This account was an XXXX debit card from XXXX. I recently called XXXX, on XX/XX/XXXX to see was the balance ever taken care of even though it was not on my credit. This was me simply trying to make sure I was in good standing as a customer and be proactive to take care of any past issues. They told me it was and I let them know I wanted to pay that day. ( Per the notes in the system ) I wanted to pay by debit card and they only accepted ACH payments and was not able to give me a receipt. I then told the representative that by the end of the month, I would go into a XXXX store here in XXXX and pay the balance in full by cash. 
I went into a store on XX/XX/XXXX and the lady could not find the account and stated she was new. I then told her do n't worry about it I would come later. Today I paid the account at XXXX, and I have a copy of the receipt enclosed with this letter. 

I am disputing the referenced account above as it has been reinserted back on my credit unethically and illegally. In accordance with the requirements of the FAIR CREDIT REPORTING ACT as stated below, I am herby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 

*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; Sentry Credit Inc. & XXXX has not informed me of reinsertion and I have not received anything in writing about this. This is a SERIOUS violation of the FCRA, and I reserve the right to pursue further action. This violation will result into a {$1000.00} fine payable to me. Your agency may avoid such action by immediately deleting this from my credit report. 

Thank you, XXXX
I changed homeowner insurance companies recently, but before the insurance company contacted my mortgage company XXXX Carrington Mortgage XXXX the mortgage company paid the old insurance company. The old insurance company sent me a refund check for {$1200.00}, the amount it had been paid. To return the full amount XXXX {$1200.00} XXXX to my escrow account I made a regular mortgage of payment of {$420.00} and added the {$1200.00} of the insurance refund to the regular payment. I indicated that the additional {$1200.00} was to go to escrow by using the blank marked escrow, on my payment stub. All this took place during the month of XXXX. The payment was to be the payment due on the first of XXXX. Towards the end of XXXX I checked online to see if the payment had been processed. It had been processed, but incorrectly. The mortgage company had taken the entire amount and put it towards future payments. Thereby, making only a very small amount go to refunding my escrow account. I called their customer service department and tried to work through what had happened and how it would be corrected. I was assured they would correct the problem. I asked to be notified when the problem had been resolved, but was told " we do not notify anyone in situations like this ''. After arguing with the person for several minutes, and them speaking with their manager, I was told that in this instance they would let me know when the correction had been made. After waiting several days, without being notified, I checked online again. Some changes had been made on the escrow amounts, principal amounts, and interest amounts, but it was all still incorrect. They still had the {$1200.00} spread out like several mortgage payment, and with incorrect amounts. So, I called yet again. This time I spoke with someone named XXXX and explained what was supposed to have happened, and what they did wrong.We determined they still needed to move {$840.00} back from principal and interest payments and into my escrow. I was again assured they would take care of it. I asked again to be notified when the changes were made, and was told the same story as before. After a heated argument I was assured I would be notified when the changes were made. As of today, XXXX/XXXX/2015, they have not corrected the problem. Instead, they have only changed the amounts again. Now the escrow account is owed {$550.00} of the original {$1200.00} that was sent to strictly be placed in escrow. The {$550.00} in question is still listed as addition payments to principal and interest. I was tempted to call yet again, but fear I will only end up with the same results. I need someone to please help resolve this matter! I 'm at my wits end. At best, this seems like pure incompetents on the part of the mortgage company. At worst, it seems like right out fraud. I did n't have a choice when XXXX Mortgage sold my mortgage to this company. If I had, I would still be with XXXX. This problem, along with all the horror stories I have read about Carrington Mortgage, have not provided me with much security. Please Help!
Today, XXXX XXXX, 2017 I became aware of the recent Equifax Security Breach. My identify appears to be affected by this breach based on checking www.equifaxsecurity2017.com though I did not sign up for their service. This is distressing and unacceptable as my information was divulged without my consent and opens me up to potential security risks such as identity theft.
I am disgusted with how Astoria has handled my loan for months. First my loan was denied because i did not qualify for an affordable mortgage payment due to not enough income. Astoria had me re-apply and has and was promised a fair review, however this did not happened. I have provided enough proof to Astoria that my home is severely underwater. This is really stressful because i am tired off all the excuses Astoria has given in order to deny my loan modification. Recently, i was told to participate in any government modification. XXXX also mentioned the only option was to reinstate my loan or sell my home. Therefore, I am forced to file a complaint with my Attorney General XXXX XXXX. Astoria Has never reviewed my loan fairly despite participating in HAMP programs. I am struggling homeowner and i can not afford my mortgage payment. I have been trying to with you to no options. Additionally, you informed of the making home affordable modifications and now that i request help you deny me. I will give you one last opportunity to assist me. Otherwise, I will proceed with my complaint with my attorney general and provide proof of all correspondence exchanged. You make it seem like you want to help me but in realty are doing everything in your power to foreclose on my home. I hope by me writing this letter of complaint my case will be investigated with all of this injustice are done against me.
On   XXXX   XXXX   XXXX   ( via certified mail ), a letter was sent to  National Credit Systems requesting documentation to verify the debt and prove my legal obligation to them for information they provided to the credit bureaus relating to a certain account. I asked that all of the requested documentation be furnished within thirty ( 30 ) days of receipt of the request, and I advised if they failed to provide any portion of the requested documentation, all references to the account would need to be immediately removed from my  credit files and any further attempts to collect should cease.     On or around   XXXX   XXXX   XXXX    , I received an incomplete response from the company, and, as such, on   XXXX   XXXX   XXXX    , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial request and all references to the account needed to be removed from my credit files immediately.     To date, the company still has not complied with my initial request and have not removed the account from my credit files.
Total amount of car loan was paid in full ( XXXX ) the company ( portage financial services ) they stated the amount was not accepted. The reasoning was told to me that the payment was to large. I have an email confirmation and also a confirmation of payment from the sigma website saying the payment was accepted. A convinience fee pf XXXX was also paid. The company called me stating i had to bring money to them personally because it was not accepted, but in the website the confirmation shows that it went through. I asked them to send me the statement directly from the bank showinge exactly why the payment was reversed. They claimed they would send me an email i hBe recieved mothing. Everytime i call ro the company to speak to the manager she is always unavailable. I have 2 recorded calls from the manager and also the woman handling my account as well..
I have two credit cards with this Capital One. They have refused to update my credit balances with XXXX  XXXX and XXXX. One card hasnt been updated in over a year. I am trying to close on my home and will lose my earnest money I paid down if this is not corrected. Im trying to avoid resorting to a consumer attorney to handle the issue. I have callled then numerous of times with no avail. They never fix it. Both of my cards are showing maxed out to the limit and this is a serious issue when it comes to me closing on my home. I need serious and immediate help. 


The account numbers are Capital one platinum XXXX XXXX XXXX XXXX Capital one quicksilver XXXX XXXX XXXX XXXX As you can see one card was last updated XX/XX/2017 in the attachments
This account is a Private Student Loan account that was originally through Chase.  The account was opened on or around XX/XX/2008. The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provided, Chase deemed  that I was no longer liable for this account. XXXX and XXXX have already been updated, they have removed the Chase Student Loan account from my credit reports, however, XXXX has not removed this account. I have disputed this account several times on XXXX, and each time, they respond with the creditor has validated this debt. I have called Chase several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT. Chase directs me to contact XXXX XXXX XXXX ( XXXX ). I have called XXXX several times, and have spoken to several people, including supervisors, and they have no record of my account. XXXX directs me to contact Chase, as they are the ( only - XXXX is NOT ) lenders reporting on my XXXX credit report. The numbers that I have tried are XXXX ( XXXX ), XXXX ( old Chase Student Loan line - which no longer works ), XXXX ( XXXX - this is for Federal Student Loans ). In other words, Chase and XXXX are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?
I have tried on several different occassions to resolve this issue with the credit bureaus regarding   XXXX    accounts being reported on my credit report. There are  XXXX  accounts that are reporting as account settled less than full balance for   XXXX   XXXX   XXXX   however that information is not correct. I previously sent a letter to  XXXX  and they responded with a letter stating that the balance was settled in full. I forwarded a copy of this to all  XXXX  credit bureaus. However, instead of fixing this merely obvious error they just updated both accounts to reflect account meets FCRA requirements. Clearly this was lie and no verification was completed or the response would be different. I sent a previous complaint using this system and they denied the investigation stating the address I provided is not on file however that to is a lie!!! I have attached a copy of my printed credit report that has my address reflected. This company is attempting everything in its power to negate my request and violate my rights. FCRA states I must provide my identity by providing my social security number and I have done so. I will NOT provide any of my bank statements or personal identification to a 3rd party agency that I am not required by law to do so. The address I provided is listed on my credit report and an investigation must be completed!