WillisBack/dataset-financial-user-claim huggingface dataset:
I previously contacted National Recovery Agency to settle the matter of an outstanding collections account. I offered to settle account and representative stated that she would call me back with approval to settle the debt. In the meantime, she recommended that I set up payment plan to avoid any further calls or potential credit bureau reporting. After several days, I contacted the same representative and she stated that she would call me with a settlement resolution. In my communication with the representative she stated that I could settle for approximately {$700.00}. Months later and after paying XXXX towards my balance, I contacted NRA who confirmed that my settle request was approved in XX/XX/2017. They alleged that they tried to reach me but to no avail. If I was still interested in settling account, i could do so by paying 50 % of the remaining balance with is approximately {$400.00}. I stated that I did not receive a call, phone message or letter responding to my initial request and they indicated that it was not their responsibility. I also requested to pull the record of my phone calls and a compliance representative by the name of XXXX XXXX ( XXXX ) tried to deflect and intimidate me by indirectly calling me a liar.
Navient has been the hardest loan company to work with ; I originally had XXXX XXXX until Navient bought them out. I admit I have n't been promptly with the loan company as far as moving forward with payments, but every time I tried to work some sort of payment plan their representatives basically laughed in my face. Throughout my time in school I made monthly interest payments beginning at {$25.00} and ending at {$75.00}. Those payments did n't seem to make any difference on my loan. The interest is ridiculously high and they are n't willing to reduce my interest. Navient constantly harasses me by calling from XXXX all the way until XXXX at night from all sorts of different numbers ranging from New York to Washington. My most recent encounter with Navient was XX/XX/XXXX where my Account Specialist gave me a 1 % interest reduction ; my highest interest is 11.6 %. He offered or more or less told me my repayment program would be a 9 month period where I pay {$370.00} and then the XXXX-XXXX month I would pay my original monthly payment of {$1500.00}. When I asked if there was another option he told me that 1 % was as low as he could go. I really had no other option at that point. He also mentioned that I had to be in forbearance to qualify got repayment options ; which made no sense to me. After I agreed to the terms of this ridiculous repayment program we then proceeded to go through my monthly finances ; after the fact we already started this new repayment program. My Account Specialist stated that I was cutting it close every month and that I should pick up more hours, I already work XXXX-XXXX hours and sometimes even more than that & I 'm only a XXXX. I asked how much my payout amount would be and he said it was {$110000.00} ; my original principal amount was {$77000.00}, my loan accumulated {$32000.00} in interest, that 's almost half of my original loan. It 's clear Navient is not willing to work something out that is more reasonable let alone reduce the high interest.
My problems is the illegal discrimination that citigroup and it's ceo XXXX XXXX are using against XXXX companies and XXXX owners. Why would you bow to a few and not allow legal XXXX transactions from law abiding citizens and XXXX companies? You are forcing your views on me and other XXXX owner. You are infringing upon my rights as a legal XXXX owner to make legal purchases. This does not do anything to curb XXXX problems in this country. Your institution was bailed by people like me. I guess we can put you under by not patronizing your company and others like XXXX XXXX XXXX. We as XXXX owners can have our voice heard by hurting your pocketbook.
I received a call from a company calling themselves Dynamic Recovery Solutions. They provided me a phone number of XXXX. My wireless phone identified the number they called from as phone number XXXX XXXX XXXX XXXX. 

These people informed me that I have an outstanding medical debt of over {$300.00}. They have been hired to collect this debt in full or make arrangements with me to pay in installments or they will offer me a settlement. They requested for a credit card to pay this off. 

This company had my name and my wireless number and the last XXXX digits of my social security number and my previous address. They requested me to confirm my social security number and my previous address and provide my new one. I would not give them any information because I believe they are a SCAM. 

I have health insurance which covers most of my health insurance, therefore I DO-NOT any outstanding medical bills. I do not know HOW they got my personal information. 

I look forward to your investigation of this matter. Thank you!!
Once again, the minute I put my Student loan into Forbearance, XXXX reports me as XXXX days late and kills my credit. If you call and ask them, theyll tell you this is standard practice. However, the FCC clearly has a Fair Credit Reporting Act. The last late payment I see before my present forbearance was XXXX of 2017. Is that what they are reporting? Its just not right or ethical that they can do this as a standard practice just because someone is struggling and has to put their loan into forbearance. I would rather just pay them, but sometimes things happen in life.
I have multiple inquiries on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquiries are still there. The credit bureaus said invalid dispute or verified inquiry.
I am writing this complaint in regards to FCO an debt collection company attempting to collect a debt from me. I have no proof or knowledge that I owe this debt. I moved out of XXXX House in XXXX of XX/XX/2013 and paid any remaining balance I owed. I believe this debt is unjust and inaccurate.
My identity was used to open bank accounts and credit cards. These applications were done through the computer. I have tried multiple times letting Amex, XXXX and XXXX XXXX know. XXXX XXXX researched and discovered that I was right. Since then they have removed the fraudulent account from my reports. However Amex continues to say they can not provide a copy of the application that was supposedly applied for using my identity. They are still currently updating the account as late and over the limit. This is causing my credit report scores to dwindle.
DISPUTED A BANKRUPCTY WITH EXPERIAN ON XX/XX/XXXX THEY SAID THE RECEIVED MY LETTER DISPUTING MY CLAIM BUT DID NOT RECEIVED MY PROOF OF DOCUMENTS STATING THE THE BANKRUPCTY COURTS TO NOT REPORT TO THE CREDIT AGENCIES AS CONVERSATION WITH A LADY NAME XXXX SO I SENT THE LETTER AGAIN ONXX/XX/XXXX AND EXPERIAN GOT MY LETTER MT SECOND LETTER ON XX/XX/XXXX THAT THE COURTS DO NOT REPORT INFORMATION TO THE CREDIT AGENCIES SO AS IN THE THE FAIR CREDIT ACT THAT THIS HAS TO VERIFIED THREW THE COURTS AND IN THAT CASE THE NO ONE FROM THE COURTS WILL RELEASE THAT INFORMATION TO CREDIT REPORTING AGENCIES THIS IS A THIRD PART WHERE THEY GETTING THIS INFORMATION .ATTACHED ARE MY PROOF FROM THE BANKRUPCTY COURTS SIGNED BT THE COURT CLERK STATING THAT DO NOT REPORT TO CREDIT AGENCIES PERIOD
I have tried to remove my inquires that where done by some scammer or something i still dont know but I have 71 inquires on my credit report and the only ones I acknowledge is XXXX. I have spoken with Experian and they tell me to write the creditors but they refuse to delete them even after I have told them multiple times it wasnt me.
XXXX XXXX  {$1700.00} Closed OR : XXXX XXXX  XXXX XXXX  Closed : XX/XX/2017 {$1700.00} Closed This information is incorrect. I've never done any business with XXXX XXXX or XXXX XXXX XXXX XXXX.
I have attempted to contact Experian and provided the supporting documentation. 
Experian Explained that XXXX XXXX has claimed that the information on my credit report is accurate. 
However, it is not accurate, it is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

Below are the details : I had an administrative forbearance as well as a general forbearance granted for federal student loans. It was explained to me by XXXX XXXX that all of my accounts would be updated, to be appear as current. The dates covered areXX/XX/XXXX-XX/XX/XXXX. However, I still see late payments on my credit report. I reached out to Experian first and sent them the letter from XXXX XXXX stating the forbearance dates to be updated. They did not update my accounts although I disputed. Attached is the letter I sent to them along with the letter from XXXX XXXX By failing to update previously reported information, for XX/XX/XXXX and XX/XX/XXXX Experian is in violation of Section 623 ( a ) ( 2 )  of the FCRA. " This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.
I'm in a trail modifications for XXXX in XXXX and XXXX til XXXX of 2018.
My father & I went to XXXX in order to move my phone line off of my fathers account onto my own account. We were told by the XXXX customer service agent that per Equifax, my social security number did not match their records and that I did not have any credit history. Because of this, XXXX would not establish my own account without a large down payment. I am a XXXX and my sister and a brother who also do not have any more credit history than I do were able to more their XXXX lines off my parents account and establish their own without any problems. I have filed both federal and state taxes for the past 2 years as well as pass several background checks. XXXX made a couple additional attempts with Equifax to establish my identity at Equifax 's request. XXXX faxed to Equifax a copy of my Social Security card and my drivers license. For some reason Equifax would not accept it. We were told to file a dispute through Equifax and again include a copy of my Social Security card and driver license. I never heard back from Equifax. You will see at the top of the attached document the time and date it was sent from XXXX XXXX. I called Equifax yesterday and I was told they did not have any record of my dispute or faxed info. I was told the only was to fix the problem was for me to take out a loan and/or a credit card in order to establish a credit history. I refuse to borrow money to fix their erroneous records.
i got a copy of credit report, i see ad astra recovery service put a collection on my credit report, i sent debt validation letter XX/XX/2016, its been past 30 days, i never proof of the account, i want it removed from my credit file
Refer to case XXXX acct no.ending XXXX case no. XXXX About US bank, they insist that they received money orders XXXX XXXX ) that they sent to " originating bank '' and that returned to their bank marked as in stamped counterfeit and spoke over presumably recorded phone line that they would either mail or provide in person else-wise submit the said money orders to help to verify their claims and therefore to find the culprit to be held accountable and kept responsible for allegedly counterfeiting united states postal service money orders. Eye am asking for the money orders signed over to my good and legal name to be returned to my possession so that eye may follow-up with US Bank 's suggestion that eye contact the CIA and the FBI to refer their practices for investigation. They also told that would be sending a cashier 's check regarding any foreseen positive balance that has instead been made into an impossible negative one. Peace
I have advised Experian of a collection account from XXXX XXXX that it dose not belong to me. However, they still continue to report, with any supporting documents. It 's also been removed from XXXX XXXX XXXX, which is an Experian product, and it 's reinsert.
I received notice from General Revenue Corporation that I owed a debt to XXXX University. I advised General Revenue Corporation that I dispute the debt and do not owe this money. I also advised them to validate the debt or cease collection efforts until it is validated.I further contacted XXXX University and requested debt validation. Neither company has responded to the validation request and have continued to allow this erroneous debt to remain on my credit bureau reports. I have filed further complaints in regard to the university with the Federal Aid organization, the FTC, and the XXXX. I do not owe this debt to XXXX or to General Revenue Corporation. I insist this item be completely removed from my credit report immediately and collection actions are to cease. This debt is a result of XXXX certifying eligibility for financial aid then returning the grant and erroneously billing my account for balances incurred AFTER I was notified of the error and withdrew from the school. Falsely certifying financial aid eligibility, retracting it and billing students is against federal law. I have filed complaints with the appropriate agencies.
Back in 2003 I, XXXX, was the victim of Identity Theft. I filed a police report. I learned that XXXX bought a debt from CITIBANK, and placed a lien on property. 

I ask that you help me get the judgment lien released. Its XXXX County Cause number XXXX, judgement lien number XXXX. I read on the FTC 's site about a lawsuit invovling XXXX, but have not been able to get a meaningful response from XXXX.
I had a secured Capitol one cred card for a few years. I paid a $XXXX payment on this particular account the end of XXXX. Soon after the payment was made  I simply called and asked the customer service rep , if I closed my secured card account , would it hurt my credit. I at that time at XXXX other unsecured Capitol One cards and didn't feel I needed the secured card because my credit was descent now. I went online to make a payment on the secured card, it was still a $XXXX and some balance. The account was closed. I called the customer service line again , and the day i was asking questions about my account, this person CLOSED my account. I have repeatedly called capitol one and they say i have no money left on my secured account. When I look I have $XXXX available credit. They WILL not give this money back to me. I have statements saying I paid that $XXXX and the statements show that I should get that $XXXX back. Capitol one more or less says sorry about your luck. Now every single month they are charging me late fees and the account has been closed for months. They will not listen. The $XXXX on the account should have what is owed deducted and the balance sent to me.  I have all the paper work to prove what I am saying is accurate. They are crooks and NOW I closed every single account I have with them, including my auto .I will take this to court if i have to.
In report no. XXXX, Equifax deleted what was n't mine, XXXX filings by stating they entity has a different address, but the same case number, then relisted the deleted items with the same case number as under investigation. On XX/XX/2017, Equifax produced a report that stated the items wasnt deleted, they werent excluded or removed with the non-existent address baring the same case number, and once again relisted the XXXX filings as if they were under investigation but the false statement in the XX/XX/2017 is different then the statement of removal in the report XXXX, which said the following : & gt ; & gt ; & gt ; We have reviewed the bankruptcy information. XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the bankruptcy information. XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX
Equifax used my information improperly by failing to store it securely, willfully allowing an information hack that will affect me and millions of other credit users for the rest of our lives. They cut corners by saving information in plain text, compromising millions of involuntary customers who have no right to refuse service, increasing the company 's responsibility to protect its unwilling " customers. '' Furthermore, their response to their failure is unacceptable as they are offering ONE year of identity theft protection. This is a lifelong struggle caused by their negligence and they should be offering lifelong protection to all victims.
I have submitted several letters with return receipts disputing the information that TransUnion is reporting on behalf of XXXX. I have also requested written verification of my signature and/or what methods were used to verify the information. The law requires the Bureaus to be able to back up what they are reporting or delete the information entirely. Likewise I have sent several letters to the creditor : XXXX not only disputing the information but also requesting written verification of the information that TransUnion is currently reporting. I have return receipts for all letters sent to both companies. Both companies have failed to mark the report of their information as being disputed. Both companies have failed to provide me written verification and therefore I am requesting there information that they are currently reporting for XXXX be permanently deleted as this has created hardship for me in securing a home loan.
I attempted to exchange euros to dollars at the Travelex Kiosk ( XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA ) on XXXX/XXXX/2016 at approximately XXXX. I provided my identification as requested and the teller handed me a piece of scratch paper and told me to write down my social security number and phone number. I told her I did not want to provide the information and did n't want to continue. She proceeded to write down my license information on scratch paper and told me she needed to keep it because I declined the transaction. I take issue with this transaction. Under no circumstances am I going to give someone my social security number on a piece of scratch paper and further take issue with her writing down all my personal information on scratch paper and hiding it under a keyboard. This is highly unusual behavior for such a large company to ask for such sensitive information in such a un-professional manner. I do n't know this employee and how she is going to protect my information or if it is going to be taken and used for nefarious purposes. I complied with the request for ID and have no issue with that, but will not give up my SSN to an unknown person on a blank piece of paper. There is no way to assure that the information will be properly safeguarded if collected in such a manner.
XXXX XXXX XXXX XXXX XXXX, TX XXXX I CAME IN TO THE DENTIST TO HAVE XXXX. 

I SPECIFIACLLY TOLD THE DENTIST TO XXXX ''! WE SCHEDULED APPOINTMENTS TO DO THIS BEFORE I TURNED XXXX WHEN XXXX XXXX XXXX CERTAIN PROCEDURES AND THE DENTIST MISSED XXXX. 

A WEEK LATER I NOTICED THERE WAS A SMALL XXXX IN THE BACK OF MY MOUTH AND IMMEDIATELY CALLED THE OFFICE BUT THEY DIDNT HAVE ANY OPENINGS UNTIL 1-2 WEEKS LATER. 

I CAME IN, HAD THE PROCEDURE, LEFT WITHOUT A HITCH. A YR LATER I GET A LETTER FROM CAPITAL ACCOUNTS COLLECTION AGENCY WITH A 30 DAY RESPONSE REQUESTED. 

I SEND THE LETTER EARLY XXXX XXXX BY USPS DISPUTING THE ALLEGED BALANCE ALONG WITH THE REASON WHY ONLY TO FIND OUT MONTHS EARLIER IN XXXX XXXX IT WAS ALREADY POSTED TO MY ACCOUNT. 

I TRIED GOING STRAIGHT TO THE DENTIST 'S OFFICE AND THE STAFF ALL SAY I HAVE TO WAIT FOR XXXX XXXX SINCE SHE 'S THE OWNER [ ALSO THE PERFORMING DENTIST ] BUT SHE 'S NOT RESPONDED, RETURNED MY CALLS OR GAVE INSTRUCTION TO STAFF AS HOW TO PROCEED WITH THIS ISSUE FOR REMOVAL FROM MY CREDIT REPORT. 

I SPOKE WITH THE COLLECTION AGENCY AND THEY CAN ONLY VERIFY MY IDENTIFICATION ALONG WITH EXTREMELY SOFT INFORMATION SUCH AS MY SOCIAL SECURITY NUMBER AND THE LIKES BUT CAN NOT VERIFY THE DEBT IS MINE AND ARE TELLING ME THERE IS NOTHING THEY CAN DO. 

THE GUYS THERE SAID THEY CANT DO ANYTHING BUT COLLECT WHEN I KNOW THAT TO BE A LIE. HOW DID THEY GET THIS COLLECTION ACCOUNT IN THE FIRST PLACE? BY SPEAKING WITH THEM. HE WAS TELLING ME ANYTHING THINKING I DIDNT KNOW ANYTHING BUT TO JUST SUFFER AND PAY.
XX/XX/2006 I filed for Ch XXXX bankruptcy protection. At that time, I owed {$39000.00} for my student loans. When I filed, my loans were transferred to ECMC ( Educational Credit Management Corporation ). Once my loans were transferred, ECMC assessed fees in the amount of {$10000.00} therefore increasing my loan balance to {$49000.00}. My bankruptcy has now been discharged and I am now faced with a loan balance that has increased by XXXX %. I am in need of information as to how and why ECMC can legally assess me with such a large fee simply for taking over my loan and how I should proceed so that I may begin making payments on my loan.
CapitalOne continues to report inaccurate information on my credit report with XXXX, XXXX and XXXX without sending in proper documentation as proof that the account is in fact my debt ( NOT A BILL STATEMENT ). This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.
Account number ending in XXXX, close date XXXX XXXX. Send my deposit back to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga, XXXX
RE : Original Creditor : XXXX XXXX XXXX XXXX AT THE TIME I TURNED IN MY KEYS FOR THE APT I WAS RENTING, I WAS NOT TOLD NOR GIVEN ANY NOTICE OF ANY MONIES THAT WAS SUPPOSEDLY OWED. I NEVER RECEIVED ANY SUCH NOTICE EITHER. I LEFT A FORWARDED MAILING ADDRESS AND NEVER RECEIVED A BILL. IT WAS N'T UNTIL I CHECKED MY CREDIT REPORT SOME MONTHS BACK THAT I SAW THE ACCOUNT WAS IN COLLECTIONS OVER A YEAR AFTER I MOVED OUT. 

THIS ACCOUNT IN MY CREDIT FILE HAS SINCE BEEN DELETED FROM XXXX XXXX.
My XXXX XXXX Credit Card Account was charged off and sent to collection with prior notification. I was not contacted at my current address and FDCPA ( codified as 15 U.S.C. 1692 -1692p ), FCBA guidelines for Debt Collection were not followed by Resurgent Capital before reporting to XXXX , XXXX and XXXX . I was shocked to see the collection account on my credit bureau reports, reporting as LVNV Funding which is associated with Resurgent Capital, and immeditaley contacted them and paid the settlement in full on XXXX/XXXX/2015 to XXXX XXXX and XXXX which collects debts for Resurgent Capital/ LVNV Funding LLC ( Payment Confirmation XXXX with XXXX XXXX and XXXX on behalf of Resurgent/LVNV, file number XXXX ). This should not have happened had I been contacted or made aware of the upcoming collection debt. Also, I have been trying to contact XXXX XXXX Bank prior to seeing the collection account on my credit bureau reports but it was extremely difficult to get proper information about my account, and how to take care of the account and bring to current. They had charged the account off and sold it to collection without any proper notification and contact. I am well aware of my rights to receiving fair and timely information regarding my financial obligations and I should have been notified about any account going to collection. 
I am requesting Resurgent Capital, LVNV Funding XXXX XXXX XXXX to immediately remove the Collection account for XXXX XXXX Bank from all three of my credit bureau reports. It is adversely affecting my credit standing and hurting me, my family and my family 's financial health and well being.