WillisBack/dataset-financial-user-claim huggingface dataset:
I have been making monthly payments of {$200.00} to Paris & Paris to pay off a outstanding loan balance to XXXX California. I initially sent a payment of {$2000.00} and have been making payments of {$200.00} for more than 2 years. I had been making payments of {$250.00} prior to this before missing several payments due to financial troubles which did not allow me the chance keep up with the payments. Since them I have kept my payments on time. I asked to see a statement of my beginning balance minus all my payments plus interest to see how much was left on this debt, but was denied. I believe that is not legally right, and I want to know exactly what I have left to pay off my debt. Please left me know if I have a legal right to this information. Thank you.
Someone name XXXX from XXXX XXXX XXXX called my parents home listing my name and last 4 digits of my SSN taking they attempted to serve some papers to my home and if I didnt contact them in the next 24 hours they would contact me on my job.
On XXXX/XXXX/15 I requested validation from XXXX XXXX. As of XXXX/XXXX/15 I have not received any proof of this debt from them.
My credit card application was denied because of the bancruptcy. I filed bancruptcy because of the loss of my husnband and financial struggles while raising twin daughters. That was 7 years ago, I have reastablished a good credit and havent missed a payment in 7 years. I am going to payoff my 30 year mortgage in 10 years, I have a good income. I called Chase credit card and ask them to reconsider and tried to explain circumstances I was in and was still denied after that. I will never bank with them ever again, I have had a worst experience and felt humiliated
XXXX/XXXX/2017 speedy cash withdrew {$600.00} from account after having account sending account to 3rd party collections agency
Authorization was faxed on XX/XX/18. The request to attach the authorization to the account was made very clear on the fax cover sheet. Fay Servicing is refusing to attach my authorization to the account and is refusing to speak to me, even though the homeowner/borrower has explicitly given us permission to speak to Fay Servicing. We have given Fay Servicing, the Account Manager, XXXX XXXX XXXX XXXX ), and XXXX manager several opportunities to abide by the homeowners request, yet they refuse to do so. 

***Please note that we did finally receive a payoff demand from Fay XXXX so its obvious the DO have our authorization and are PURPOSELY REFUSING TO ABIDE BY THE HOMEOWNER 'S REQUEST. ( See attached Payoff Demand from XXXX and our authorization faxed XX/XX/XXXX ) I want the authorization attached to this account IMMEDIATELY. 

I want an update on the loan modification process IMMEDIATELY. 

I want Fay Servicing fined the maximum of {$1.00} million due to their refusal to service this loan according to Federal and State servicing guidelines. 

CC : XXXX XXXX, Attorney General of California
I applied for credit and was declined, I was given a contact number to get my free credit report. The number is XXXX for Equifax. I called the number and followed the prompts for denied credit request. Put my personal information and was asked what do I want back. 1 ) Score & File or 2 ) Special score & File or 3 ) File then I was offered information about option XXXX or XXXX. I choose option XXXX sounds like the best choice. After choosing XXXX I am told a fee of {$7.00} is due and that this is a discount from regular price. Then I am told to input credit card information to receive over and over again with no other option. Then I am told since I want the free file for denied credit ( first time they mention only free choice ) I must jump through all types of hoops to get it sent to me. This is a scam to make you buy the score why did n't say that up front or give me a option to choose option # XXXX again since I now know it is the only free option.
In 2015 Onemain Financial acquired Springleaf. I have interest-bearing loans with both finance companies. Since the acquisition I have continued to pay these loans separately. I have asked a few times what can be done to consolidate my loans so that I have XXXX payment and XXXX interest rate, their feedback is that they can not do it. Between the XXXX loans I 'm paying north of 50 % in interest charges.
In accordance with FCRA 605B, I requested a block of information on my XXXX, TransUnion, and XXXX credit reports that are fraud, including proof of identity ( Drivers License and Social Security Card ), Identity Theft Reports and police report XXXX XXXX XXXX and XXXX XXXX XXXX, detailed identification of the fraudulent accounts on my credit report with copies of credit report, and a detailed letter stating the information on my credit report is fraudulent and not related to any transaction authorized by me. 

Accounts included : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( previously determined to be fraud in XXXX XXXX ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These letters were received by each credit reporting agency by Monday, XXXX 6, XXXX via XXXX XXXX XXXX with Tracking. 

It has exceeded the four ( 4 ) days allowed to block and remove the identified information from my credit report, and it has not been blocked. 

In addition, Citicard account determined to be fraudulent and removed from my credit report in XXXX XXXX are now showing up on my credit report again over the past two weeks. Once an account is determined to be fraudulent, it should be blocked from my credit report unless written notice is provided by the credit reporting agency and creditor that the account has been found valid and accurate accompanied by account verification documentation. This notice and information was not provided.
I filed a complaint earlier against XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. Worldwide Asset Purchasing was also involved. I applied for a XXXX XXXX XXXX Credit card with a maximum of {$2500.00} in 2004. I was laid off and out of work for several years and also was out of work XXXX. XXXX XXXX XXXX sold the deb to Worldwide. I did n't even know I had a judgment on my credit report until Worldwide hired XXXX, XXXX XXXX XXXX, XXXX to garnish my wages some 6+ years after the judgment. Now the interest that has accrued has resulted in 5 times the amount I charged. I have supporting documentation to attach.
XXXX XXXX has not resolved the issue of this account. First this account is too old to be reporting my credit. It was closed in XX/XX/2011. Furthermore they are saying that I was late when I never made a late payment. This account needs to be removed immediately. 

Also when reporting a late payment, it should show when I was late. It does not.
On XXXX XXXX, 2016. My home was illegally entered without permission or standing and theft of property occured at my home by a subcontracted vendor XXXX for Wells Fargo. 

The letter I received from Wells Fargo stated, " the property preservation vendor was not at your property on XXXX XXXX, 2016. '' The incident report, from the police, states the individual 's apprehend by the police in my home had a work order from XXXX, which is in direct contradiction to Wells Fargo 's findings. It seems implausible that XXXX has no record of employees at my residence, but the incident report written by the police noted documents with XXXX information and a work order number. 

As I followed up on my complaint with Wells Fargo, the contact person tried to prevent me from escalating my complaint. He stated, he is the furthest my complaint which could be escalated, which was not true. As this process continues I have been " rekeyed '' out of my home. 

The police report I 'm submitting is the preliminary report. I am waiting for the detectives to update the report from the investigation of the burglary.
Creditor continues to report incorrect information to credit bureaus. I have made several attempts to have the incorrect information corrected not verified with no result. Credit bureau continues to state that account was verified. Creditor reports the wrong balance, dates on account and state it was part of bankruptcy. The information reported makes it seems like I had at the time a separate mortgage ( double reporting ). This account was not part of a bankruptcy because the account was sold to XXXX XXXX XXXX  in XX/XX/2012 before I had applied for bankruptcy
Received TRANSUNION credit file # XXXX dated XXXX/XXXX/XXXX and noticed that ( 1 ) XXXX has been reinserted ; ( 2 ) XXXX continues to show " Bankruptcy Dismissed '' and continues to be reported as an adverse account ; ( 3 ) XXXX continues to show " Bankruptcy Dismissed '' and continues to be reported as an adverse account : ( 4 ) XXXX continues to show " Bankruptcy Dismissed '' and continues to be reported as an adverse account : ( 5 ) XXXX Bank was deleted and now reinserted, also reported in remarks as " Bankruptcy Dismissed ''. As stated in attached letter, these accounts were never incorporated into original bankruptcy file. Bankruptcy ( Public Record ) was deleted from file in XXXX. TRANSUNIONs ' data does not warrant these accounts being reported as adverse accounts.
I have sent certified mail to all XXXX credit bureaus asking them to please remove a bankruptcy that is not mine off of my credit report. I also asked them to send me proof of there verification papers and process so that I can assist in getting this information corrected to which they will not comply. I have reach out to the court system they have listed on my credit report and their response back was that they do n't have any information that pertains to me or my ssn. They also state that they do not supply court case information to these companies. Once I got this response from the court I contacted them sending them certified mail showing that this was in fact not my account and requested that they remove this account. They have yet to update my credit they fail so far to remove this account and experian wont allow me to dispute anything else with their company. I have went to my local police filed a report about my identity theft like the credit bureaus have asked me to do. I have done all that they have asked me to do as far as alerts and blocks, yet they wo n't remove the inaccurate information from my credit and wont comply with request for documentation on this case. 

I have attached the second letter I have sent them and a copy of my police report.
I sent in a letter to have XXXX to remove collection items reporting because these items were not accurate. They never responded to the request sent however, they did update the file to remove the Name of the collection company and list it has a zero balance. Along with my letter I sent them supporting documents were these accounts were paid directly to the original creditor XXXX XXXX Hospital. I also received documentation from the original creditor that payment was received and excepted. I contacted them by phone on XX/XX/XXXX at XXXX XXXX  to ask them to explain the reason for reporting with no Company Name and balance and who was the company. They told me the company name was XXXX XXXX. They stated that the company verified this item belonged to me. Well I requested them to send me how this item was verified for the second time. This error in reporting is Defamation, Negligent Enablement of Identity Fraud and VIOLATION of the Fair Credit Reporting Act. 
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Please be aware that we have read Mr. Cooper response to complaint # XXXX. We ask that time is allowed to have a housing counselor their legal department and our attorney advised us before signing documents we do not understand and did not agree with the terms, but have read the explanations behind them. Also be advised we do understand time is of the essence as this has gone on for many months, although the last hurricane ( Harvey ) played a role in this delay as well as reassessing our circumstances. As of today 's date, XX/XX/2018 an emergency called was placed to XXXX, a non profit agency working with consumers who are in a financial housing crisis to help collaborate with other housing agency and compare our situation with the modification we were approved for via Mr. Cooper. We expect to have this resolved in less than 10 days.
Date of purchase : XXXX/XXXX/XXXX Reason for Complaint : The contract written up by XXXX XXXX was not completed properly. In the Federal Truth-in-Lending Disclosures box the Total Sale Price is incorrect by {$4100.00}. I received a correction letter from the lender, Ally acknowledging the mistake on the contract, but due to the fact that the mistake is in the Federal Truth-in-Lending Disclosures box, violating the Fair Credit Act of XXXX, sections XXXX & XXXX, this letter is not sufficient. This mistake makes the contract null and void. Yet, it was still accepted and funded by the lender. 

After talking to the lender on recorded lines, ( first to XXXX - employee # XXXX XXXX and second to XXXX - employee # XXXX XXXX, they tried multiple times to say that they would just have their administration department make the changes to the contract, which is not legal due to the location of the mistake on the contract, and tried to manipulate the conversation to make it seem like I was asking them to make the changes to the contract. 

Finally, I spoke with a Supervisor named XXXX - employee # XXXX XXXX multiple times over a 1 week period to XXXX - employee # XXXX XXXX ) I was told that I was correct that the contract is not valid, that the mistake is not my fault, and that I was not responsible for paying it. I was also told that if it were to happen again in the future, I would be liable and if I do n't pay my credit would be negatively affected. She was supposed to get in contact with XXXX XXXX to inform them of the situation and unravel the deal and then call me back. She never called me back, so I called her. She then proceeded to tell me that both XXXX XXXX and Ally agree that the contract is sufficient, and that I am ultimately responsible after all. However, as mentioned before, the contract violates the Fair Credit Act of XXXX, sections XXXX & XXXX, this letter is not sufficient. This mistake makes the contract null and void. 

Copies of the contract and correction letter are attached to this complaint.
I cosigned for several student loans for my daughter. These were all paid in full last Fall. 
We continue to get harassing calls from Navient at our home phone, for our daughter who does not live with us. I have called 3 times asking for our phone number to be taken out of their system. I was assured, by a supervisor on the third call, that this would occur. I asked for this in writing. They did send me a letter stating that the loans have been paid, but nothing stating that they have suppressed our phone number. These calls come sometimes 2-3 times a day. XXXX mornings. Even on XXXX. Always a robocall.
I entered into this loan agreement with the promise of loan terms that were not upheld by the lender and feel that this contract was breached. From the very beginning, the dealership pressured me into this car with false advertisement ads on XXXX that were less than what the car cost. They also reinsured me that if I stretch the truth on my financial situation with the loan application, then I 'll be able to drive the car home no problems and that people do this all the time. They told me that my payments would be high for a little bit, but if I just made three monthly payments, then I would have about half of a {$400.00} a month car payment. The sales guy really sounded genuine and I honestly believed every bit that he was saying to me. I guess I give people too much credit sometimes, ugh. Anyway, Three months past and there was no way in heck that I would be able to refinance in my situation with a recent chapter XXXX bankruptcy and all the negative remarks on my credit. I ended up losing my job due to my XXXX status and worsening symptoms from military service. I started to get behind on payments and I had paid {$5000.00} toward this car without even denting the total. I told the lender : XXXX XXXX XXXX, that I had become XXXX XXXX and I could n't afford the vehicle right now. They were not very understanding and continued to call constantly at least times a day. They even called my Step-dads work non-stop! This harassing behavior lasted for months and never went away. I finally had enough of the car, XXXX XXXX dealership and XXXX XXXX XXXX I told them that this loan was based off false advertising, unfair lending terms, and ultimately a breach of contract due to misinformation and information withheld. I decided to voluntarily hand over the car to the lending company. Now I 'm faced with a repossession on my hands from a very bad set of companies who swindle people out of money.
I'm a victim of identity theft someone got my information and opened up lot of accounts in my name without my knowing. XXXX XXXX account ending XXXX, XXXX account ending XXXX, XXXX 's account ending XXXX, XXXX XXXX account ending XXXX, XXXX XXXX account ending XXXX, XXXX account ending XXXX I'm not responsible to this
Company-CapitalOne falsely reporting that I owe {$300.00} from XX/XX/2017. 
They have ruined my credit and score since then and I would like for CFPB to do a thorough investigation to make sure they are under investigation for sending false information. Thank you
I paid the XXXX up front then when we get into XXXX facility at XXXX XXXX XXXX. The nurses offered us free flu shots. Everything was OK but later we receive the bill charged us {$1500.00}, XXXX free flu shot turned into XXXX different shots that we never received then the charge from another lady who was in hospital facility at XXXX XXXX, because she has the same name with my wife but different account number. I went down to member service show to them to complaint they recognize the errors but could not fix.!!! Later almost 2 year I receive my XXXX health insurance payment.
A collection agency is reporting a debt on my credit report that does not belong to me. I have disputed it, but they will not take it off of my report.
I went on a cruise in XXXX, 2014. Barclays Bank Delaware was marketing a Carnival Master Card. I applied and was approved. I never used the credit card. After learning there would be a processing fee, I immediately cancelled the card. All purchases incurred on the trip was paid from my debit card on another credit card. After sailing I never used the card and they charged off the account on XXXX XXXX, 2014 and claim that I owe them {$430.00}. I never used the card and why are they charging me {$430.00} for an account which should have a zero balanced.
In 2015 I went in to have some dental work done by XXXX XXXX. We began the process but was unable to finish because I moved to the state of Florida. Though we did not complete the process I was still charged in full. I was unaware until I received the bill from the collection agency that I still owed XXXX XXXX 's office. Despite not agreeing with the charge I still payed in full immediately.
XXXX Account # XXXX I have asked the credit grantor for verification that this is my account and have been unable to receive it. I did not apply for this account. I need it removed from my credit report.
Fair Collection and Outsourcing does not have a signed contract to that states I agree to pay them. The Fair Debt Collection Practices Act and the Fair Credit Reporting Act clearly state this. In my past dealings with FCO, they were very non communicative, rude and dismissive when a consumer disputes an account with them. FCO will tell you can only dispute an account twice. Which is violation of the FCRA and the FDCPA. Reporting an noncollectable account with the Credit Bureaus as a current balance a violation of the FDCPA.
My claim is in response to recent allegations brought against Navient. 

In 2009 I took out XXXX student loans through XXXX, which were later sold to Navient. XXXX loan as been paid off with XXXX My claim is in response to recent allegations brought against XXXX and Navient. 

In 2009 I took out XXXX student loans through XXXX, which were later sold to Navient. XXXX loan as been paid off with XXXX remaining open. 

To pay off XXXX of the XXXX loans, I placed a large payment with Navient to clear the principal balance in its entirety. The next month, I received a bill showing the loan had not been closed. When I contacted customer service, they informed me that as opposed to applying the total payment to the principal, they amortized it over the life of the loan, applying it toward future interest and principle payments. I was eventually able to have them restructure this payment to close out this loan, but not without great hassle. At no time upon initial payment was I told the amount would be amortized. When the amount was paid, I had specifically instructed to close the loan and pay the principle in full but this was not done. 

Prior to payoff of this loan, one year out of XXXX school, I was tight on cash and called to see if there was anyway to reduce my monthly payments so they would be more manageable. I was instead encouraged to take a forbearance. I was told it was a " great way to catch up '' because payments would n't be due for 3 months. At not time was I notified of the negative effects of taking a forbearance, and was shocked to find my credit score strongly affected by this a few months later upon trying to finance a new car. 

Following payoff of my large loan, I was left with appox. {$21000.00} between XXXX student loans remaining at a 6.25 % interest rate. I have paid $ XXXX/month for these XXXX loans specifically over the last 7 years plus additional periodic lump sum payments for $ XXXX {$1500.00} when able. To date, my principles between both loans have only been paid down by {$5000.00}. The Navient website does not allow you to see how your monthly payments are applied, simply the total principal left and the amount in interest you 'll pay assuming it takes 30 years to repay. Assuming I 've approximately paid out {$13000.00} in monthly payments over the last 7 years plus the periodic large sum payments I estimate to be about {$2000.00} in total, I 've paid XXXX/Navient approximately {$15000.00}. With approximately {$16000.00} remaining due on my principal. That mean 's since 2009, {$5000.00} of my payments have lowered my principal while {$10000.00} has been applied towards interest. Because of Navient 's website setup, I have no way of confirming application of such was done properly.
I'm XXXX and throughout my life, I've had an excellent credit rating. Never once missed a payment on ANYTHING. Paid off the 2 loans I ever took out well before they were due, and paid {$220000.00} in cash for my Winter home in NV. XXXX saw my credit rating slide precipitously by nearly 100 points. I found out the reason - Capital One, with whom I have 2 credit cards said I exceeded 2/3rds of my available credit limit within a 2 month period on one of my cards. ONE HUNDRED POINTS! Nowhere is this " rule '' noted, and nobody knows about it with whom I've come into contact! To add insult to injury, when I requested a raise in my credit limit to make sure nothing like this happened ever again, they declined, even though it is entirely their fault that my credit rating took a nose dive! 

So, after a LIFETIME of EXCELLENT CREDIT, these vultures destroyed my credit rating in one fell swoop! The reporting agencies sent me paid reports that didn't indicate this whatsoever! Because they answer to no one, they have no  need to be helpful or even cordial. Now my credit score is creeping up by 2 to 5 points per cycle - I'll be long gone before the score even approaches what it had been. 

Where is the justice in this, and what can you do for me?