WillisBack/dataset-financial-user-claim huggingface dataset:
The XXXX XXXX  XXXX account, XXXX XXXX XXXX, and XXXX   XXXX  account was originally deleted from my credit report and now it reappeared back on my credit report.
I got a derogatory remark on my XXXX credit report posted on XX/XX/2015. My brother took me to go get him a loan with XXXX XXXX and couldn't get approved so we use my social, my brother got on a really unstable situation and wasn't able pay the loan. He did not tell me anything so I was unaware. However, I was never notified about this debt and never received a bill, I don't have no account number or anything to fix this problem. I would like to address this immediately and either pay this debt or get this negative remark removed from my report.
On XX/XX/18 this account was obtained fraudulently on my consumer credit report in the amount of {$320.00}. As a collection and charge off .I have corresponded with this company on several occasions to delete this info for it is not mine and this account meets FCRA requirements per my attorney. this information has been taken of my XXXX report so the others should take it off XXXX and XXXX.
I had a credit card through US Bank. I contacted the credit card company after paying off the full amount on the card. I then contacted US Bank directly to make sure that there were no issues and that the card was paid in full and that I would never have to hear from them again, because I am fed up with their business tactics. I made the payment of the full amount due on XXXX/XXXX/2017, the payment posted on XXXX/XXXX/2017. Today XXXX/XXXX/2017 i got an email from US Bank saying that I now owed them {$24.00}. I called them right away to find out why. The CSA told me it is for interest on cash advances. I said how can you charge me interest on an credit card that I have paid off in full, verified with US Bank that it has been paid in full, and has been closed? She tried to tell me that interest is accrued daily for cash advances. I told her that was wrong because everything was verified as having been paid in full and the account has been closed, I insisted that interest can not be charge on a closed account that has been paid in full. She continued to regurgitated talking point about company policy. So I interrupted her and said she needed to do something because I am NOT paying a bill on a closed account, especially when these fees have been added AFTER account was paid in full and verified as being so, AND has been closed. She said she could do a " one time '' courtesy refund of the fees. I said " what do you mean on time ''? I said this account is closed and if you continue to bill me you will refund the money every time! She said i will probably receive a more statements with amounts due on them. This is very shady! I have a high school friend that states her daughter is having similar problems with US Bank! US Bank has never been customer friendly, and after utilizing there services for 10 years, i moved my account to a credit union. When I closed my US Bank account the teller asked me why I was closing them, I told her that there is ZERO benefit to me having my money in US Bank. She just shrugged her shoulders and thanked me. 
That seems to be their whole attitude. 
I worked my XXXX off to pay off this credit card and US Bank just keep trying to XXXX me dry!
I manage an XXXX called XXXX at XXXX XXXX. On XXXX/XXXX/2013 the bank, Mortgage Investors Corporation filed an order to foreclose on a property located at XXXX XXXX XXXX in XXXX, NC. They assigned a trustee, XXXX XXXX XXXX, XXXX to handle the foreclosure. Since then the bank has not moved forward with the foreclosure. The homeowners are not paying the XXXX dues and this is causing the XXXX to lose money that is to be used to pay for the maintaining of the units in the community, as well as the property not being taken care of by a homeowner that lives there. This puts the XXXX in a bad financial position and other owners are concerned with their unit values as they are living in a community with a home that is vacant that no one has done anything with in over 2 years.
I disputed this account because I did not recognize it. I have never done business with a company named PRA. All of the credit bureaus told me it was verified as accurate. They only send me two credit card statements. They did not send me anything that shows I am legally required to pay them. I don't just send out checks to everyone who sends me a bill in the mail! There are way too many companies out here ripping people off. I am not going to get ripped off by this company. I have already seen online where PRA has a history of cheating and ripping people off. What if XXXX comes back and tells me I did wrong and should have paid XXXX instead? I don't have the money to pay this two times I am not even sure this is mine. No one has done enough to show me it is. So, at XXXX an account was opened in my name some years ago. Now the only thing left of it is two computer-generated statements? Anyone could have made these. I can go on my computer and make statements in someone's name. That doesn't mean that person really owes the money.
After fighting this twice already with another collection agencies ( XXXX XXXX and XXXX XXXX XXXX ) and the originator ( XXXX ). And threatening legal action against all for falsely pursing me, along with ignoring my proof that it was n't my debt. It stopped both times ... now again, after six months, another debt collecting agency is reporting the same debt on my credit report ( AARGON Collection Agen ). 

XXXX XXXX ... I departed XXXX, Colorado on MILITARY orders for XXXX Prior to my departure I removed my name from the account according to the customer service representative who assist myself and my ex-wife in their local office. 
XXXX XXXX ... I noticed the collection account on my credit report ... and through military legal assistance, this web site, they finally removed the collection account. Part of the processes I went through was submitting signed letters to cease and desist any and all future contact/collection attempts. along with proof of my departure and my new utilites/staements in korea. As it is documented here, that did n't happen immediately, and is now continuing. 
EVEN IF THEY ca n't find records of me removing my name from the account ... .. XXXX went into a completely SEPARATE agreement with my ex-wife that had NOTHING to do with the " normal '' operation of the utilities. I found this out after the fact ( trying to figure out how it was even allowed to reach the extremely high amount it reached, they normally shut it off for non payment after XXXX missed months ). While I was XXXX to XXXX, the ex-wife contacted them ( when they turned off the utilities after she quit paying them ). YES, she paid them at the beginning from her INDIVIDUAL account. She then had to submit a packet showing her INDIVIDUAL income along with a letter of reason for an extension to keep the utilities turned on. EVEN in the letter she states that we were no longer together and her income was minimal. SO she was awarded the extension based upon HER INCOME AND LETTER! ... .. 
Now they are illegally pursuing me ( according my my legal office ) since I can prove my departure on military orders, along with them going into a separate agreement with her on her own.
I contacted Experian, XXXX, XXXX on X/XX/2017 and XX/XX/XXXX in regards to the negative information reported on my credit reports. Upon reviewing a copy of my credit reports I see various entries listing inaccurate Account Status ( Closed ), Payment status [ Debt included in or discharged through bankruptcy chapter XXXX,XXXX, or XXXX ] and balance. I 've asked the 3 credit bureaus to validate this information with XXXX XXXX and provide me with documentation associated with this account. I requested that the data be immediately deleted from my credit files that are maintained under my Social Security Number. I specifically stated that I do not consent to XXXX or any other means of automated verification to all 3 credit bureaus. Which they have ignored.
As XXXX time home buyers we were unaware that the acts of the lender/broker were predatory in nature and violated several real estate laws/protection acts. We only recently became aware that the lender has violated every aspect of T.I.L.A./The real estate settlement procedures Act and all other laws covering real estate. We had no idea the C.F.P.B. was available or we would have filed a complaint long ago. Everyone needs to be aware of all laws/rules when buying a home. There are more scavengers then Wells Fargo out there. Interest was set at 11 % + but changed to over 14 % on the morning of the closing. We were distressed financially at the time of application and were shocked the loan was approved. We had problems paying the mortgage within three years. We filed for federal chapter XXXX bankruptcy in XX/XX/XXXX and paid it in full. It was discharged in XXXX. This was filed the United States Bankruptcy Court XXXX Pennsylvania case number XXXX paid in full and discharged on XX/XX/XXXX. During this time all past due payments/interest were paid in full. Lender was not allowed to charge any additional fees/interest/misc charges during this time. They did ... If the misapplied payments had gone to principle instead of excess fees/interest the loan would be paid in full and then some. To date lender has not and will not provide anything to show where payments went and how applied. We spent five years with no money to bring this mortgage current and stop the massive interest and uncalled for fees to end up owing as much or more then before. Now lender is trying to foreclose and still can not prove to us that we really owe anything. Now their original claim that we owed {$12000.00} has grown to over XXXX. Had the lender provided the requested information with any real money owed to them we could have paid it off. Now they are stalling and trying to proceed without providing us the proof contained in the payment and how applied history. The loan servicers were never made aware by the mortgage owner that the loan was in bankruptcy so they could charge correct interest and credits. We have been stripped of any benefit ordered by the Federal courts. Lender also proceeded with a foreclosure action while we were being considered for a loan modification. They have failed to provide proof that they have not made errors in accounting and they ca n't. We do n't owe Wells Fargo/XXXX/XXXX/XXXX or whoever they are now anything on this property or anything else. We have way to many documents to scan and attach, including the original loan agreement showing 11 % interest and dated a few days before the closing. The lender, seeing all documents, would give them time to prepare lies to show as evidence. This way I can show their errors and misrepresentations in court if needed and they have already committed themselves to a story. We are only allowed one option below but there are real, provable issues with all parts of this mortgage from start to now and continuing.
This account was n't originally mine I was authorized user tried to get off they refused I included this account in my bankruptcy and it was discharged
I have submitted documents of proof of payments and proof of merchants stating the accounts have been paid as agree and Equifax will not remove duplicate inquiries or collections that have been paid and or disputed. In turn for this reason they will not raise my credit score which is reflecting that I am a high risk or have a high number of unpaid accounts or late payments.. None of which is true.. I have not been able to get approved for a loan or I am only offered high intrest rates and I have to have my credit pulled in order to be reviewed which in turn lowers my score.. I have submitted request in wirting to all three angencies, requesting at least remove the duplicate hard inquiries from my report which should bring my score to at least 700-720 none of which has been done.. I have paid off loans and I also have a 21 % debt to income. I have lost grant money due to Equifax unfair and inaccurate reporting..
On XX/XX/XXXX 2017, I signed a contract agreeing to buy a water treatment system for my home. The system 's cost was {$6400.00}. Paying for the system was to be financed through a 12 months same as cash promotion. The finance company is Aqua Finance XXXX XXXX in XXXX, WI. On XX/XX/XXXX, I had n't received any information from Aqua Finance and I was curious when my first payment would be due. I called the finance company, spoke to a woman named XXXX, and was told that my first payment of {$530.00} was due XX/XX/XXXX. Today I discovered, after intense inspection of the contract, that the contract states that the 12 months begins on the day the contract was signed. This makes the term 10 months, not 12 months. If I continued making payments as instructed by the person I spoke to I would have been libel for over {$1100.00} in interest payments come the termination of the contract. 
Both Aqua Finance and XXXX is guilty of deceitful and unethical practices in misleading people in believing they have more time to pay then they actually do. 
It is for companies like this why Americans need agencies like the Consumer Financial Protection Bureau.
I applied for the PSLF ( Public service loan forgiveness ) an act that was established by President George W. Bush which is supposed to offer public servants an opportunity to pay down their loan and have some of it forgiven. The only plan that XXXX XXXX offered me would have me pay for 120 months at a premium and would end up paying the entirety of the loan prior to any being forgiven. At the rate the company required I would have paid off my student loan twice in the 120 months. This was not the purpose of the program and no resolution was offered by the company. This is not how I would expect it to work as a current public servant.
XX/XX/2018 XXXX XXXX I am sending this letter in regards to the time frame of 1 year that I have sent several certified written requests by mail and realized their were no responses, so I decided to contact you through this portal to make sure this message is recorded and by witnessed by The CFPB, FTC, Georgia Clerk Of Courts. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed immediately and permanently within 24 hours. I am disputing the erroneous information as an internal dispute/affidavit your company is falsely acccusing me of. I dont know what affect it could be because I was once an identity victim also I have been affected by several breaches with Equifax, online over the internet as well. 
You have placed erroneous information on my credit file that includes a debt that Im unaware of A : 1. XXXX  XXXX XXXX XXXX 2. XXXX  XXXX. B : XXXX XXXX  - 1. XXXX   XXXX 2. XXXX  XXXX 3. XXXX  XXXX 4. XXXX XXXX. To my knowledge your are violating me and my rights trying to collect a debt you claiming I owe and that I am unaware of. It is impossible to collect a debt that you didnt verify 100 by taking the correct steps for verification along with providing me an original contract with my signature on it. By law you are required to remove the debt permanently and immediately. I am demanding that this debt is removed within 48 hours of this  receipt. This is the final attempt to contact you.
In XX/XX/XXXX, I charged XXXX for XXXX XXXX ( {$99.00} + tax ) to credit card ( Citi AAvantage ). I never received a statement. I did not pay the amount because I pay bills when I receive a statement. 

I received a letter in XXXX XXXX, dated XX/XX/XXXX saying the account is past due and may be referred to a collection agency. This was the first notice that I received telling me that I has an unpaid balance. 

I called to see what this was about. I was told that I owed 4 months of late fees at {$20.00} per month, plus interest. I spoke with three different representatives of Citi -- each at a higher level of authority. They will not give full names. Each told me that they could only cancel one late fee of {$20.00} plus some interest. I was told the remaining balance was {$83.00}. Since I have never received a statement, I could not verify this amount. I decided to pay {$85.00} to make the hassle go away. 

On XX/XX/XXXX, I received a statement from Citi. It shows a payment of {$190.00}, consisting of the {$100.00} plus {$85.00}. The statement shows a remaining balance of {$32.00}, which includes another {$2.00} of interest. I called and learned that Citi decided they would not rescind the {$20.00} late fee and interest, as I had been told over the phone. They now demand an additional payment of {$32.00}. 

My experience is frustrating but the BROADER QUESTION IS WHETHER CITI IS CONDUCTING A SCAM WHEREBY THEY FAIL TO SEND OUT STATEMENTS, THEREBY TRIGGERING MORE LATE FEES AND INTEREST. In other words, is my experience the tip of the iceberg?
To begin with, prior to entering into a vehicle loan agreement with TDAuto Fiance in conjunction with XXXX, my previous vehicle was stolen during my XXXX in College and at a Part-Time Job ( XXXX per week ). I was in dire need of a vehicle because of the high demand of my day-to-day daily hassle of being a XXXX student. Unknowingly, I was giving a 2010 Ford Fusion that had a history of XXXX accidents, which the bank or TDAuto Finance was unaware of during the time of sale. In other words, in my part without due diligence, I was lead to believe that the loan value uphold the same book value of the vehicle at the time it was purchased. Moreover, in my attempt to travel abroad, I have been unsuccessful in many ways to obtain a new owner because of the validity and lack of integrity of the sale that was made to me. As a result, I have been left to voluntarily surrender the vehicle to auction ; otherwise, repossession, which is a mark that will hinder my credit report negatively impacting my credit score.
I went to XXXX XXXX XXXX in XXXX XXXX to purchase a car. I authorized for them and only them to run my credit. XXXX different companies have an inquiry for that same day. I have sent letters and disputes to have them removed. 

On XX/XX/XXXX I went to XXXX XXXX XXXX and authorized them to make an inquiry on my credit. My report shows inquiries on the same day to the following companies ; Car Buying Attempt : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( XXXX in one day ), XX/XX/XXXX XX/XX/XXXX ( again XXXX in one day ) and XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX ( XXXX in one day ) XX/XX/XXXX Car Buying Attempt : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX in one day ) Car Buying Attempt :XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX ( XXXX in one day ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Bait & Switch by Bank of America. When purchasing a 2nd home for use by my family, a week before closing, B of A refused to honor the originally quoted interest rate because I had requested early occupancy by the owner, for which I agreed to pay one months ' rent. B of A said that because of this, the property had to be financed as " Rental Property '', thus raising the interest rate by XXXX points. I told B of A I would not be renting the property at any time.
I received an e-mail on Friday, XXXX XXXX, 2016, telling me the following : " Your card information may have been stolen due to a data breach at a business where you recently shopped. As a precaution to help protect you against fraud, we 're reissuing your card with a new account number. There 's no need to call us unless you see transactions you do n't recognize. '' I called the company, Capital One, today, Monday, XXXX XXXX, 2016 at XXXX to ask what company had the data breach and what personal information was stolen. 
After speaking to a service rep and getting no where, I asked to speak to an account manager and was told that the company could not provide me with that information. 
I told the manager, XXXX, that I am entitled to that information. He again said they could not provide me with the information. 
I find this difficult to believe and would like you to investigate this nonsense and have someone provide me with the information I requested from Capital One. 
I want to know which company had the data breach so I do not shop there again.
The issue I am having is with XXXX XXXX XXXX XXXX XXXX. I owe a considerable amount in student loans and am facing a monthly payment that is not achievable for me at this time. I graduated with my second XXXX XXXX degree in XXXX 2016 and my payments for this company began in XX/XX/XXXX, little over a month after my graduation. My payments are ~ {$700.00} per month and my income is XXXX {$1000.00} per month. I have called multiple times to try to reduce my payments and have been told that I have already utilized all forbearance/deferment options and that there is absolutely no possible way to lower my payments. I explained that I would be more than happy to make regular payments, but just at a rate that does not include 70 % of my monthly income. I was told there was nothing I could do and that my account will default after 120 days past due and be sent to collections. My co-signer ( my father ) has come under difficult times : he was laid off and has since had many health issues, has undergone XXXX treatment, is currently applying for XXXX XXXX XXXX, and has no way of assisting me financially. I spoke to a manager at XXXX XXXX and explained the whole situation, and she even agreed with me that it would make far more sense to lower my payments than for my account to go to collections, where they would be unable to collect anything from either me or my cosigner ( because we do n't have anything of any monetary value to collect ), however she stated there was nothing she could do and told me to try to borrow it from someone else. I have no other options. I am doing my best to find full-time work that will pay for this. In the mean time, the past few months I have been paying the {$700.00} to keep it out of collections and not paying for other necessities ( e.g. other student loan payments, rent, food, etc. ). I am truly putting forth my very best effort to stay in good standing with this company and meet all of my financial obligations, however this is just not reasonable. I would very much appreciate any help/advice you can offer me to remedy this situation.