WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/2018, I received my car insurance renewal from XXXX XXXX in XXXX XXXX, Virginia. For the past three years my car insurance rates have increased, even though a vehicle has been dropped from the policy. Every year the XXXX XXXX XXXX attaches a letter to my policy that is entitled " Credit Adverse Action Notice ( see attachment ). '' I complained to Equifax last year after receiving the same letter from XXXX XXXX, I never received a response. The insurance company justifies the rate increase each year by stating in the letters that " insurance scoring '' was utilized and that factors in my consumer credit report warranted me not getting the best possible insurance rate. The letter this year justifies the increase by identifying four factors in my credit report that affected my insurance score. The letter goes on to state that two separate credit models were used to determine my insurance score. XXXX XXXX developed one credit model called " XXXX '',  XXXX  developed the " XXXX '' model. My wife and I have have excellent credit, XXXX and XXXX, respectively. According to several of the major consumer credit reporting agencies we have no derogatory marks on our credit reports, but these two models found four negative factors : XXXX XXXX Lack of substantial credit history - XXXX Recently opened auto loan account or no auto loan on report - XXXX XXXX XXXX Age is XXXX and average number of months trades on file is 120 Aggregate credit card payment/balance ratio over last 12 months Months since oldest mortgage opened is 49 months or more. XXXX Months since most recent credit card opened is 25 to 36. XXXX None of the above cited factors are contained in any of our consumer credit reports. Additionally, when did insurance companies become experts in the credit industry that they have developed a credit model that they use to increase consumer rates. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX What if
There is no way to set up auto-pay ( auto-debit ) to pay more than the listed payment amount. As per their FAQ page : " If you would like to pay more than the Current Amount Due, you can make an additional one-time payment by logging in to your online account, calling, or mailing a check. '' This is an unnecessary burden on those able to pay more than the required amount and is a terrible way to try to limit a borrower 's ability to pay back loans. This practice for private loans is also a cheap attempt to increase their own profits through additional interest income.
I have been trying to modify my Heloc loan with US Bank for 2 1/2 years. I sent a hardship letter XX/XX/2014, stating I had lost my job, and was living on S.S. Also, my daughter had stopped paying on her 1/2 of the loan. Subsequently I have submitted a minimum of XXXX applications for relief. I have sent to the bank all of their documents, albeit sometimes it took a while to gather the info. Many times, the bank claimed they did n't receive the docs, and when they would finally get back to me, the docs had expired. US Bank forced me into bankruptcy XX/XX/XXXX because they threatened to sell my home on the courthouse steps. I am still unable to make the payments because of my income status which is the reason I started this in the first place. At the first application I owed $ XXXX, now thanks to their delaying tactics, I owe over $ XXXX. They have given me lip service that they dont want me to lose my home, but yet delay, delay, delay! I think US Bank is unethical, and crooked. I even sent a registered, certified letter to the CEO XX/XX/XXXX, and not the slightest response. I am XXXX years old, have lived in my home for 46 years, and at this stage do n't want to be thrown out on the street. There is nowhere I can live where I can have what I have for what I pay. At my latest complaint I filed with US Bank, I stated I could pay {$400.00} per month, even though this is still a hardship. Can you help?
I had ~ {$250000.00} in XXXX debt and enrolled in the PLSF program in XX/XX/XXXX ( accepted in XX/XX/XXXX/XX/XX/XXXX ). Once accepted, I was required to transfer my loans from my XXXX XXXX Servicer to FedLoan Servicer. 
XX/XX/2016 - Loans transferred from XXXX XXXX to FedLoan XX/XX/XXXX/XX/XX/2016 - Not all loans were transferred, error on part of FedLoan. Made request for remaining loans at XXXX XXXX to be transferred which took 6 weeks XX/XX/2016 - Advised that loans could not be forgiven unless converted to " direct '' loans. Only XXXX of my XXXX were direct loans. 
XX/XX/XXXX - Consolidation loan request form submitted for XXXX loans to be consolidated into direct loans. Six weeks later, XXXX of the requested loans were consolidated appropriately, XXXX loans were not consolidated as requested and XXXX of my already direct loans were consolidated in error by FedLoan ( without request for consolidation on forms submitted ) XX/XX/XXXX - Multiple calls regarding incorrectly consolidated loans. At this time total loan amount had increased by {$10000.00} without record documenting how. Told by customer service request to review submitted, would take & gt ; XXXX weeks for someone to review complaint because " this is the government '' XX/XX/2016 - Spoke with manager who reassured increase in loan amount was correct but no paper record could be provided. He would expedite direct consolidation reversal and consolidation of loans remaining from initial request in XX/XX/XXXX. Imperative that direct loans incorrectly consolidated be reversed to receive credit toward loan forgiveness for payments already made XX/XX/2016 - Direct loan consolidation reversed but XXXX loans still awaiting consolidation. Multiple calls - now XXXX of these XXXX loans are consolidated XX/XX/2016 - " Consolidation complete '' letter despite XXXX loan still not being consolidated. 
XX/XX/2016 - Delinquent bill appears on account - amount taken out of my checking account but not applied to loans on FedLoan 's end Over this time period my loan amount has risen by {$50000.00} without documentation of how. Please help. When speaking with FedLoan consolidation experts they will " submit a complaint '' but can not provide any immediate answers or assistance.
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1976 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} AUTO {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX Late Dates : XXXX, XXXX, XXXX N/A XXXX XXXX -- / -- XXXX {$100.00} COLL {$100.00} - {$100.00} - - - COL N/A XXXX XXXX -- / -- XXXX {$210.00} COLL {$210.00} - {$210.00} - - - COLL XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} COLL {$660.00} - {$660.00} - - - COLLECTION XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1976 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Hello, I had a collection reported on my credit report that occurred approx. 14 years ago. It was removed from my credit report many years ago. However, it has now been placed back on my credit report, with a different creditor and a different collection agency. When I contacted the agency they advised that they account had been sold and they were now attempting to collect the debt. I believe in Florida the SOL is 7 years. I can not recall the original creditor, I believe it might have been XXXX XXXX. It is now reported as XXXX XXXX XXXX. Collection Agency : Midland Credit Management Inc., the outstanding amount owed is XXXX They continually call me and send me letters with offers to pay 20 % and 40 % of the outstanding amount due. I would really appreciate any assistance you can provide to have this resolved. Thank you.
On yesterday, Saturday XXXX XXXX, 2015, I received in the mail a XXXX XXXX XXXX XXXX XXXX XXXX statement dated, XXXX XXXX, 2015 in the total amount of {$1200.00} ( Creditor LVNV Funding LLC ; Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I AM DISPUTING, this claim. On or about 7 or 8 year 's ago, I paid this account off ( after, it was charged off ). I am DISPUTING, the amount of the monies claimed by LVNV Funding. I have previously, DISPUTED THIS ACCOUNT ( S ) with XXXX, XXXX and XXXX. This account by LVNV is old and was charged off XXXX year 's ago. I will fax all supporting documentation to CFPB for the purpose of this filed complaint. LVNV Funding, is NOT authorized to use any of my personal or confidential information. According to Fair Credit Reporting Act, it is illegal to request more monies than what is owed. Again, I am timely DISPUTING, the XXXX XXXX account.
I called customer service from TransUnion and they refuse to take care of the credit inquires that were unauthorized. I called the creditors and said it doesn't show on there end and it's the error with transition since it doesn't show that they pulled my credit on their end. I believe I am a victim of there inquires issues. I asked if I can dispute it and said they don't have a dispute process like the other credit bureaus that you can call or dispute online wrong information on your credit report.
I have a loan with One Main Financial. I have had this say loan since XX/XX/2013, it is a 63 month loan. My balance started at {$11000.00} which I was only told I was borrowing {$10000.00}. My balance now after 3 years is still {$8800.00} so according to them I have only paid {$2400.00} in 3 years. I have received multiple phone calls from this company during this 3 years in which they have told me that if I did n't pay my payment that day that they would be seeking legal action against me. I have also received phone calls and I have asked them for help with getting on track and they have told me lies about how they are being bought out my other companies and they ca n't help me. One day the office staff called me and did n't realize that I was on the phone already and started talking about how they were going out that weekend XXXX. I just received a call today, I made a partial payment on my account, and they told me that balance was to be paid in full today or they was going to seek legal action, they tell me this multiple times and that they will sue me if I do n't pay. There have been times when I have been like 15 days past my due date and they still tell me this. I am fed up. I have been spinning my wheels paying this company and they are hateful and always rude to me and lie to me and threaten me. I have tried to call corporate several times and I am always told there is nothing to be done and I have to take it up with my local branch. They also call me 6 to 10 times a day if I am due for my payment. I am trying to work a full time to be able to pay my bills and my phone is constantly ringing. The other day when I went in their office a lady was in there making a payment and they were yelling at her because she had a hard time hearing and they were very rude to her also. I just ca n't stand the attitude they have with their customers and the way they are treating the loans and threatening me.
XXXX XXXX XXXX XXXX send me a bill in the mail i do not owe!!
Experian is reporting a collection item by XXXX XXXX that is not a validated debt. I have asked for this information from them but they will not provide it to me. They say they previously sent it to me but I have not received anything. In my recent complaint about them through consumer finance they said they sent me a notice in 2013, but I never received the notice and invoice they say they sent to me. 
I am disputing this debt because I am not being given enough information to figure out what these charges are specifically for. I gave XXXX of XXXX XXXX the proper notice, letting them know I was moving at the end of XXXX of 2013. I believe they are trying to charge me for rent after we moved out. There should be no late fees because I provided notice. What is the misc Fee XXXX? Why is there a XXXX Charged Owed? Why am I being charged {$430.00} for rent - for what time period? How is this being calculated? What is the prorata amount and how many days am I being charged for? Why is there a utility reimbursement for trash, sewer and water? Where is the proof that XXXX of XXXX XXXX assigned this collection item to XXXX XXXX? How did they verify with XXXX of XXXX XXXX that these charges are valid, legitimately owed, and properly calculated? Did they simply look at a statement and take it as face value? How do I know they are licensed to collect in the State of Ohio where I reside? They have n't provided me with their license number and registered agent as I requested. I want this item removed from my credit report because it is an unvalidated debt.
Through XXXX, I have been alerted that my personal identifying information has been obtained through the recent Equifax hack XXXX
Medical bill that was paid by insurance company was obtained by JEFFREY LERMAN XXXX XXXX XXXX license # XXXX and he attempted to collect on a bill from XXXX XXXX that was paid by my insurance company, XXXX. Imagine if I had not been an educated, English-speaking person able to handle this? This is despicable behavior - it is billing fraud which is a felony. Shame on this guy!!! I am reporting him to every city, state and federal agency able to investigate this illegal and dishonest practice.
Westlake Financial has taken it upon themselves to start charging their customers {$5.00} to pay their bills with a debit or atm card. It is free to using a checking account but not everyone has a checking account and after reading about the recent government action against them from the CFPB I am not comfortable giving them my checking account information. it is also not right to charge your customers to pay their bills. XXXX, XXXX, XXXX, my apartment rental company does not charge me to go on their website and pay my bills. The company is offsetting the government action against them by making the consumer pay a fee to use their website to make, for me an auto loan payment. Westlake needs to remove the {$5.00} fee and allow their customers to pay their bills free of charge.
A few days ago I damaged my card. No lost the card but damaged the card. I immediately login to my account and made a reporting of the situation. Per the agreement there is no charge for the Damaged card. I sent the Financial Institution a online message stating where is the card and when was it processed. I then noticed today after login in that there was a BAIT and SWITCH regarding the TERMS. This seems to be a pattern regarding this Financial Institution and their methods. I ask that the money is returned asap. As this is considered THEFT. If not returned I will be forced to file suit regarding the Unauthorized Debt.
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX : Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX Attn : CFPB This account originated with XXXX, which was later acquired by XXXX XXXX. This was never a federal or any other government student loan. It was private, and therefore should be off of the credit file after seven years from open date of XXXX. Despite my requests, they will not send me the original credit note after you fully verify this with XXXX XXXX. If they can not provide this, per FCRA they must remove this from my credit file. 

XXXX XXXX XXXX
A man named XXXX keeps calling my work number ending in the digits XXXX and leaving messages saying he is with Windham Professionals and that it is a debt collection agency and he is attempting to collect a debt.
This is the fourth time I am dealing with this fraudulent debt that roots from XXXX XXXX XXXX. Every single time, this invalid debt is taken up with XXXX XXXX XXXX and the collection agency they refer the debt to and every time, it is removed and this is the 4th time it has now posted to my account. I have correspondence sent to XXXX XXXX and the previous agency and the account was removed. Each time XXXX XXXX says this is an internal error and then refer me to the collection agency. This makes no sense and is there no protection for a consumer against fraudulent collection accounts? I do not have the hours of the day to sit on the phone with XXXX XXXX and the collections agency every time this comes up. This is ridiculous that consumers have no protection against these types of issues.
In  XXXX  I financed a car from   XXXX   XXXX   XXXX   they sold me the car for  XXXX  with a 19 % interest rate, Unfortunate my car was totaled in   XXXX   due to Mother Nature, Hail Damage. I had GAP Insurance as well I was paying additional money to Regional Acceptance my insurance company   XXXX   XXXX   paid them  XXXX  and  XXXX  took the car as well. I have a debt still of  XXXX  and I have no car and making payments. I called to request a principle forgiveness I am not able to purchase another car since I have a not with them. I called to see if they could forgive the balance and they said no. They want  XXXX  after they took my car and they got paid insurance money and they gave me a ridiculous interest rate.
This company never made contact with me about any potential debts that they had for me. They have listed 2 medical debts on my credit reports without notifying me. I want these debts for {$1800.00} and {$720.00} removed from my credit reports until they can be properly validated.
My wife and I experienced difficulties with Citibank, after they bought my Best Buy credit card debt from XXXX. ( My wife use to be able to take care of the payments, while I XXXX, 6-8 weeks out from home ). Together, we were never able to reestablish online transactions, due to a change of her being authorized to represent me, once the website changed, and Citibank took over. Later, the monthly payments began to fall behind, after I had a major breakdown, of my XXXX, and it went into the shop. I tried to establish contact by phone, but their automated phone service would never allow me to talk to a live person. Citibank claims to have called us and never left contact information to identify themselves in XXXX. ( We use an answering machine to screen telemarketers, scams, etc, but we noticed a common tactic of bill collectors is they hang up without leaving a message. ) Apparantly, Citibank lost previous credentials when they bought the debt from XXXX within the prior 12 to 18 months, yet neither company verifed we knew of this debt transfer, and changed the debt amount without our awareness of underwritten terms of agreement, not to mention they changed their email address & discontinued my login credentials without my knowledge ( regardless, fine print that is difficult to read, should not be ethical in the first place ), then a few weeks ago, ( after I had become aware of all this ), I called CitiBank on XXXX, ( to give my cell number and attempt payoff of the entire balance by offering a {$1000.00} a week every consecutive week ), they said the debt is under review, and was scheduled to be sold on XXXX, to another debt collector. I said I was a XXXX Veteran of the XXXX, whose family has been in financial distress since my return home from XXXX in XXXX, but I 'm finally back to work as a XXXX, and I can get this debt paid in full within less than 4-6 weeks. I was under the impression they would contact me on XXXX XXXX, after I XXXX overnight a {$1000.00} check, but they sold the debt on XXXX, in spite of my efforts to stop the sale, and kept the {$1000.00} act of good faith payment, after it cleared the bnk on XXXX. They took the money on XXXX, after they said they would contact me on XXXX. I found out, after I called them back, on XXXX.
I CONTACTED THIS COMPANY REQUESTING VALIDATION REGARDING THIS DEBT, THE ACCOUNT AND THE INFORMATION REPORTED ABOUT THIS DEBT. THIS COMPANY NEVER RESPONDED TO MY REQUEST OR SENT VALID DOCUMENTATION TO VALIDATE THIER CLAIM. THE COMPANY NEVER GAVE ME AN OPPORTUNITY TO DISPUTE THIER CLAIM AND THE NEGATIVE INFORMATION THAT THEY HAVE REPORTED TO THE CREDIT BUREAUS. FIRST OF ALL THE INFOMRATION THEY HAVE REPORTED IS TOTALLY INCORRECT ; THIS ACCOUNT IS NOT IN IS NOT CURRENTLY IN BANKRUPTCY, AND IT IS CURRENTLY IN A WAGE EARNER PLAN WHICH IS INACCURATE INFORMATION ON MY CREDIT FILE.THE CHAPTER XXXX BANKRUPTCY WAS DISMISSED IN XXXX AND ALL OF MY LOANS ARE CONSOLIDATED WITH ANOTHER LENDER. THIS ACCOUNT IS NOT IN BANKRUPTCY AS I HAVE DISPUTED WITH THE CREDIT BUREAUS. THE CREDIT BUREAUS CLAIM THAT THIS COMPANY VERIFIED THE ACCOUNT AND INFORMATION AS ACCURATE AND I WOULD LIKE TO KNOW HOW. I WOULD LIKE TO KNOW WHAT DOCUMENTATIONS TO THEY HAVE TO VALIDATE THIS ACCOUNT AND TO VERIFY THAT THE INFOMRATION THEY HAVE REPORTED TO XXXX IS ACCURATE. BY LAW THEY WERE SUPPOSED TO RESPOND TO MY REQUEST AND VALIDATE THIS INFORMATION WITH COMPETENT EVIDENCE AS I SENT THEM A LETTER VIA XXXX MAIL AND NEVER RECEIVED A RESPONSE. THAT IS A VIOLATION OF THE FAIR CREDIT COLLECTION ACT, AND THE FAIR DEBT REPORTING PRACTICES ACT.
I spoke with transunion on XX/XX/2018 and told them I was a victim of the service error where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit reports! TransUnion failed to follow the LEGAL procedure to actually do so. The representative told me that I was not a victim and I stated I was. Transunion refused to remove those inquiries. 
A list of all the inquiries that need to be removed have been uploaded.
I 've made payments to Navient on time each month. They were suppose to be allocated to my student loans XX/XX/XXXX. They have processed my payments incorrectly for three month. They then sent me to collections and said I had not made my payments. When I called and provided each confirmation code for each payment they said they would open a ticket to resolve the issue. They confirmed I was correct, but have not updated my account. They said I could declare forbearance to make my account current and it would be quick and not harm me. I declined the offer to declare forbearance since each payment I submitted was correct and I have the bank statements to prove it. I also have the confirmation numbers. Since XXXX I have been battling with them to update my account. I have several tickets in and nothing has been resolved.
I just spoke with your department handling the Greentree LLC disbursements. They said I was never reported by Greentree as having a serviced account with them. They serviced my first and second on my residence. The second from XX/XX/XXXX thru XX/XX/XXXX, the first was sold to them on or about XX/XX/XXXX-XX/XX/XXXX. I filled several complaints with your organization about Greentree, indicating the abuse and theft I went through with them. I do n't understand how there is no record of my servicing through Greentree.