WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received a credit report from XXXX XXXX XXXX that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The address that was on my credit report. I have not received a response. on XX/XX/XXXX I sent a follow up letter requesting debit validation to the address above I still have not received a response. On XX/XX/XXXX I sent a dispute letter to both credit reporting agencies asking for validation of debit, in XX/XX/XXXX both credit reporting agencies responded validating the debit. Still havent received a response then I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX. XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
I have had a citi bank simplicity card for 3 years and never made a late payment and always paid more than the minimum balance. I used this card when my wife and I moved to a our home and incurred an outstanding balance of about {$6800.00} dollars. I called to negotiate a lower interest rate and they gave me a 11.99 % rate and my minimum payment was {$130.00} so I began paying more than that, around {$200.00} dollars per month, however, what I was not told by the representative when I was given this rate is that it only lasted 12 months and all of sudden I am being charged {$130.00} per month in interest alone and I do not even use the credit card. I called to ask them to reduce the rate so that I could not pay that amount in interest and so I could pay the card off and I was told no and there was nothing they could do for me. I believe that this is unfair to a person who has paid them on time since I had the card and never been late and always have paid more than the minimum balance. I was passed along to person after person when I just recently called and asked to have the outrageous interest charges which this past month was {$130.00} and my monthly purchase amount ( which was a mistake by me ) was only {$40.00} that is 3 times that amount. Please help me stop this company from taking advantage of a person who only wants to pay what I owe them and end this situation.
I had a credit card with " XXXX XXXX '' which I fell behind on. The total balance was {$500.00}. This debt was apparently sold to " XXXX XXXX '' who then turned it over to " The Law Offices of XXXX XXXX XXXX '' for collection. XXXX XXXX 's office sent me a letter on XXXX/XXXX/XXXX demanding a total of {$800.00} for this bill. Although I am afforded 30 days from my receipt of that letter to dispute the debt I was not allowed to do that as XXXX XXXX 's office filed a small claims suit against me on XXXX/XXXX/XXXX, 18 days after sending me notice of the debt. They then sent me a letter dated XXXX/XXXX/XXXX indicating that " on XXXX/XXXX/XXXX '' I was served with a summons but can still settle the matter " amicably '' by paying their demand. As this is a credit card debt, it is subject to a non-binding arbitration agreement and as such, XXXX XXXX 's office was erroneous in filing a lawsuit. Notwithstanding this error, XXXX XXXX 's office filed this suit within 18 days of notifying me that it had taken over the debt and thus disallowing me the 30 days to which I am entitled to dispute the debt and request proof as the FDCPA affords me. The addition of {$300.00} to an alleged {$500.00} debt with the above FDCPA violations constitutes multiple unfair debt collection practices as well as abuse of the court system.
I spoke with someone from you company on XX/XX/XXXX. That advised me to submit a formal complaint with my documentation. In XXXX I faxed my IBR loan papers to Navient. I kept the copy of the fax and the transmittal receipt. Well I knew I wasn't barely working and wouldn't have payments for the year. So in XXXX I mailed by new paperwork in. Well I called Navient bc I had been locked out of my online account for a long time. The girl I spoke with help me reset my account. Well when I got into my account it said I had like 8 missed payments. So I called back and the girl I spoke with tried to tell me the fax number I had used to fax my documents in XXXX wasn't even a fax number for Navient. I told her to XXXX the number and of course it showed up on the Navient page. I had faxed the papers to the private loan department by mistake. I let the girl know I had the documentation and she said it was my mistake and my credit would be ruined. She told me that forbearance was my only option. I offered to send the paperwork in and everything proving I sent the fax. I spoke with another girl and she basically told me the exact same thing. So then I contacted the Department of Education and started a formal complaint. I sent them the documentation. Well they have to first send this information over to an advocate at Navient. So I was assigned XXXX XXXX. She seemed like she was going to be helpful. The first time we spoke she explained the documents like that get faxed to the wrong department all the time. She just needed to locate the document. So the next time I spoke with her the story completely changed. She said that for security purposes the private loan department of Navient had to shred my document and that they would have no way of knowing I even had a loan with Navient. So then I called the Dept of Edu back and asked if they could request for my calls to be pulled with Navient because everyone had lied and told me conflicting information. I was advised that I was the only person that could request the phone calls. So on XX/XX/XXXX I called and spoke with XXXX from Navient. I have her employee ID but I do not want to share it. I let her know I wanted the recordings because of everything. She put me hold and finally got back on the phone with me and said that I could get the recordings but that only XXXX could release the recordings and she would sent the request to her. Well I waited about a week and then emailed XXXX. She didnt respond the first email. Then about a week later I emailed her again and she was saying they were trying to help me. Finally a few days ago I received an email saying that they have no proof of my IBR application from XXXX and could not release the calls because they are used for quality and training purposes. So now this is being escalated through the Department of Education. I sent these documents, have the proof, and now Navient is trying to ruin my credit and put me forbearance like everyone else.
Received a XXXX and received a huge bill despit having insurance. Negative records on credit despit disputing it
still showing inquires all company due to ID theft not mine XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX. XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX +
In the early Part of XXXX 2017 I attempted to contact receivable recovery to clear up my accounts with them 1 by 1 at which time I was told by the representative but I spoke to that I could not clear up one account that I would have to pay all accounts at 1 time before they would clear any account. If I 'm not mistaken by law I am able to say which account that I want my funds to be applied to. My call to the company was recorded and I do have the recording on my phone if needed at a later date to prove what I was told by the company representative. I feel that I was bullied by this Representative.
On XXXX XXXX, 2015 I sent Convergent Outsourcing, Inc. a validation letter for a debt they claim I owe. On XXXX XXXX, 2015 I received a verification letter and not a validation letter. I am requesting they send proof of the debt. The document they sent me does not provide enough information that I requested.
For a year now I've tried to get my credit where it should be. Due to 1. Wrong accounts. - not my bill. I've talked to the company 's myself and the 3 credit bureaus ( TRANSUNION. XXXX XXXX ) WELL ON XX/XX/XXXX I check my credit to see if anything had been resolved. Well my score on XXXX   went up 102pts. Everything was mine. It was perfect. Not in credit score but it was true. Chrck it the next week to see if tge OTHER 2 got tge memo. Oh no and XXXX put everything back on it and put a hard inquari on it on a day that I call to talk yo them. My score that went up 102 dropped 192pts. So it cost me 90pts to call XXXX about my credit? Now XXXX  has taken everything off my report idk why and I have a XXXX!!!! A XXXX!!!! TRANSUNION has helped with some if the wrong info off their report. I've got a XXXX. I should be around a 698. But they are working on it. XXXX don't give a XXXX  they got all my info wrong STILL and don't care. So get this here 's my scores. XXXX!! I'm tired of these companies dictating my life. My condo has black mold in it we just found out. I've been very sick for months. I need to move and can't because of companies XXXX  with my life. I don't have a lot of credit period. And what marks are mine I admit to. But it tell you what I will not let them play with my life and now health anymore. They have a month to get it fixed. It might cost me for the rest of my life but if it's happening to me it's happening to others. Oh and great XXXX  who are acting like babies giving me a XXXX. They got breached and my info and license numbers was hacked. I have like 20 hard inquiries that aren't mine. And XXXX well well well I've cancelled my app subscription and they still try to take it out of my account daily!! I need some help quick! My family should not have to suffer for these companies Lies and laziness
On XX/XX/2019 I received notification that I applied for a XXXX Credit Card Application number XXXX. I did not authorize nor did I apply for a credit card at anytime with XXXX XXXX or XXXX XXXX  XXXX. This fraudulent activity has impacted my credit score and produced a Hard inquiry on my credit report. I rarely shop at XXXX and never authorized the company to share my personal information or initiate any credit granting on my behalf. This act is clear credit card fraud and identity theft. XXXX   erroneously and egregiously attempted to utilize my information.
I have been out of work since last year. I fell behind on everything. In XXXX I made XXXX partially payments on my mortgage to Ocwen Loan Servicing paying the largest part of the mortgage for XXXX, XXXX and XXXX. That was all the money I had. I started working again XXXX months ago. The XXXX thing I did was pay the balance of those XXXX months including late fees. I wrote XXXX checks and explained exactly what the checks were for in the memo. Ocwen cashed the XXXX and XXXX checks and returned the XXXX. I get paid weekly and out of each pay check I send a partially mortgage payment. I sent a partially payment for XXXX and from the next weeks pay I sent the balance. I did the same for XXXX. I have just sent payment for XXXX. Ocwen has returned the payments and sent me a delinquent notices stating that I owe from XXXX through XXXX. I keep sending the payments back and they returned them again. If they would keep the payments I would be caught up through XXXX with XXXX next as we are still in XXXX. I do n't know what else to do but keep sending the payments. I can only pay the arrears this way. Once it 's caught up I can pay on time. I am alone, I am a XXXX year old woman and I have no other income and nowhere to go. I need help with this. I do n't understand why thy wo n't accept the payments. I 'm still getting collection calls and the state they want to help with the mortgage. Sending the payments back is not helping. they have also sent my name to XXXX who call and email me with loan offers on a regular basis. I just want to get my bill paid and get back on track.
Transunion are in violation of act s 611 5 b of the fcra I have 5 inquiries on my report that is not suppose to be there XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX these are not suppose to be on my credit report as I only have a XXXX XXXX and I have no hard inquiries on my other credit reports from credit bureaus but my XXXX XXXX transunion customer service would not help and take care of the negative inquiries reporting to my credit report.
On or about XX/XX/XXXX XXXX XXXX ( XXXX ) fraudulently filed an assignment of mortgage with XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX  XXXX ). At no time was XXXX the owner or assignee of the Note. XXXX assigned the Note fraudulently, unlawful and or illegally to XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
On or about XX/XX/XXXX XXXX Bank filed a foreclosure action against me. Pursuant to my filing a Motion to Dismiss the foreclosure due to a lack of standing the XXXX Supreme Court dismissed the action on or about XX/XX/XXXX. 
Since XX/XX/XXXX XXXX has been reporting to the Credit bureau that the " account '' is past due and in foreclosure. This is totally incorrect. I have been trying to resolve the issues with XXXX. 
The lender, XXXX was closed by the Office the Comptroller of the Currency on XX/XX/XXXX. 
On or about XX/XX/XXXX a TILA Notice of Rescission was sent to XXXX and also registered with the XXXX XXXX. There were no timely action or any action taken by XXXX to set aside the Rescission. XXXX has failed to act as directed by the Statute 15 U.S. Code 1635. The transaction was not consummated and no disclosures were sent and or received. 
I am seeking your help to have XXXX cease and desist their credit reporting, and to return the voided note and mortgage if they are in their possession. 
A cease and desist letter was sent to XXXX to stop paying Real Estate Taxes and Insurance as they do not have my authority to do so. A cease and desist letter was also sent to XXXX demanding that they cease making credit reporting to the bureaus.
I applied for this credit card on XX/XX/XXXX with the bonus offer that was promised on charges for first year. Offer stated that it expires on XX/XX/XXXX at that time and was even extended til XX/XX/XXXX. I spent about {$500.00} in first month at restaurants and was expecting 10x points to be posted when statement closed. Upon seeing the points not posted properly, contacted American Express customer service. I was then told to wait few more days as it might take couple weeks for bonus points to post. I kept my restaurant spending going as I was still expecting this to be rectified. In middle of XX/XX/XXXX, I  reached out to customer service again and was notified there is no such offer on my account. I was then told that representative will open request with Marketing department and it will take 2-3 weeks  for response. I called again in middle of XX/XX/XXXX as I spend over {$1000.00} at restaurants on this card and bonus was still not posting. I was told Marketing department did not make any updates so offer is not applied. I asked to request Marketing department to look at my case again as I was promised something on website and am not receiving it.I gave them another month and called again in end of XX/XX/XXXX. This time I was told my request was denied and that I was not offered this particular offer even though I clearly applied for the card from the page that has the offer. I asked to speak to supervisor and was told nothing can be done. I was then told that based on my history, I would be offered XXXX points instead of XXXX points I should have gotten. I stopped using the card and decided that American Express did n't deserve my business. I also lost out on 2x points for {$50000.00} as well that i would have spent on the credit card if the offer was extended to me. Thank you.
I fell behind on my payments and the company said they would help me save my home but they are trying to foreclosed on my home. I have been faxing documentation over and over again.
Hi and How are you? I was looking through my credit report this evening and noticed that there were new collection reported on my profile. I randomly called the company and talked to XXXX at Commonwealth Financial system. And he said that it's a medical bill that came from XXXX XXXX XXXX which came from XXXX XXXXXXXX XXXX. I'm completely confused because I never received any notices from any one of these companies and therefore, I need this removed due to FCRA and FDCPA violations. 

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
XXXX XXXXXXXX XXXX XX/XX/2017 XXXX, IL XXXX Hard inquiry - Needs to be removed Not authorized XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX, IA XXXX Hard inquiry - Needs to be removed not authorized XXXX XXXX XXXX XX/XX/2017 XXXX XXXX, MI XXXX Hard Inquiry Needs to be removed Not authorized XXXX XXXX XX/XX/2017 XXXX MN XXXX Hard Inquiry Needs to be removed not authorized XXXX XXXX / XXXX XX/XX/2017 XXXX XXXX, MN XXXX Hard Inquiry Needs to be removed not authorized XXXXXXXX XXXX XX/XX/2017 XXXX XXXX, mn XXXX Needs to be removed not authorized hard inquiry XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX CA XXXX XXXX XXXX, MN XXXX 2 on the same day - Please delete hard inquiry not authorized XXXX XXXX XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX XXXX TX XXXX Hard inquiry please delete not authorized XXXX XXXX XXXX XXXX TX XXXX Hard Inquiry needs to be deleted not authorized XXXX XXXX XXXX XXXX XX/XX/2017 XXXX LA XXXX Needs to be deleted not authorized XXXX CO Dual Card XX/XX/2017 XXXX, FL XXXX Needs to be deleted not authorized XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Not authorized Needs to be deleted.
We have spent 5 months trying to close a 3 % refi with XXXX XXXX and his team at Amerisave Mortgage Corp. We paid for an appraisal, and have provided all the necessary documents on time ... some several times. The team was unable to deliver the mortgage after several promised dates. Our lock on the rate ran out and had to be extended 3 times. After much frustration and consideration we walked away. We have since begun working with XXXX, and after 4 days they are nearly ready to close. We feel we were dragged thru a lot of repeated questioning and harassment. Amerisave continually called our insurance agent and harrassed them. They actually asked the agent to violate her license and change numbers on a document by cutting and taping new numbers over the actual ones on the document. This is totally unacceptable and was very embarrassing to us. This was a complete failure to deliver.
On XXXX XXXX, 2017, I was contacted through email by XXXX XXXX at True Accord. Her email was XXXXXXXXXXXX. XXXX contacted me through email regarding a debt with XXXX. I writing this complaint due to my concern of the amount due and contact practices. I thought it was odd I was only contacted through email. My second issue is the balance. The initial balance True Accord is reporting is {$920.00}. This amount is different from what is showing on my credit report. I ask that CFPB investigate the validity of this debt and company. I do n't want to pay a company that is not legit. 

Information received from email : True Accord XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX called today from XXXX XXXX? And started off by saying they are about to take civil action against me before even telling me that it was a debt from Barclays and I made the last payment in XX/XX/XXXX. I said I settled that when I bought my house with another company and dont owe it. He went from threatening to sue me to closing down all my checking and savings accounts, yelling, Youll be calling me back then!, and hung up on me. They are using a different last name ( Ive been re-married since XX/XX/XXXX! ) and he wont mail me any correspondence. Verbally abusive, calls constantly and has even called my husband!!!!!! Please make it stop. Hes literally making me ill with anxiety. All I know is hes XXXX @ XXXX ; XXXX
I am a graphic designer making {$31000.00} a year ( before taxes so closer to {$28000.00} ) with normal expenses ( food, rent, utilities, car payments, etc. ) and have not been able to get help on working out an affordable payment plan. My parents signed me up for these loans. Citizens Bank ( the loan company ) uses a service called XXXX XXXX for payment and are almost impossible to contact for help with loans. They allowed me to push back my loan payments by 6 months after I sent a hand written letter explaining that I can not afford the payments ( a monthly payment of {$530.00}, keep in mind I make less than a teacher starting out. ) I requested an income driven repayment plan so that I could afford to pay my loans off and not go bankrupt but they have been no help at all. Consolidation is the only option they will offer and I have to make at least 3 payments of {$530.00} a month before I can consolidate my loans and get my payments down to something reasonably affordable for a student right out of college ( I can only afford about {$110.00} a month. ) I do n't even have enough money to pay XXXX payments or I will go bankrupt and there is no telling what my monthly rate will even be after the consolidation. In the email provided to me by the payment collecting service that Citizens Bank uses ( attached to this review ) I am provided a link that does not exist. When I go to log into my account, I can not get in and can not verify who I am without providing a Debit Card number ( to which my debit card number does n't even work, and when I call for assistance I get put on hold for hours. ) I can not get any help on this issue and it will financially ruin my future if I can not. Also, I find it unethical that a loan company, private or not, would expect me to pay for every loan I 've taken out all at once, especially when I just got out of college and it took me 6 months to even find a job.
I sent all required documents to have any Fraud alerts removed from my account. Please see the attached letter. 
Equifax sent a letter stating they updated an extended fraud alert on my Equifax Credit file.

I did not request this.

I want the Fraud Alert Removed!

I believe this is a way of discriminating against people who are requesting a credit card. I have applied for credit cards, and have been denied because of the fraud alerts on my account. 

ADDITIONALLY, THEY SENT THE REQUEST TO FOR AN EXTENDED FRAUD ALERTS TO XXXX AND XXXX. 

I WANT ALL FRAUD ALERTS REMOVED FROM MY CREDIT REPORTS1