WillisBack/dataset-financial-user-claim huggingface dataset:
I opened an account ( residential account ) with XXXX XXXX XXXX XXXX ( known today as " XXXX '' ) in XX/XX/XXXX. I personally went to this company and closed the account in XX/XX/XXXX ( I am attaching evidence ). During the last years, this account appeared in my XXXX credit report in the " Closed Accounts '' section until it was removed from my XXXX credit report. Recently ( since XX/XX/XXXX ), this account was added to the " Open Accounts '' section when it was closed and removed from my credit reports. I submitted a dispute with XXXX along with an evidence letter. The evidence letter stated that this account was closed and that it has {$0.00} balance. Unfortunately, XXXX did not accept this evidence so as to remove this account from my credit history. I called again to XXXX and they asked me for another kind of letter ( Credit Correction Letter ). Then I called again to XXXX and they informed me that they " will '' send a Credit Correction Letter. Originally XXXX informed me they sent the letter but they did not. Attached you will find evidence that I went personally to XXXX in XX/XX/XXXX to ask for a letter as an evidence that this account was closed in XX/XX/XXXX.
I have multiple student loans with XXXX/Navient. Between XXXX my student loan payments were being misapplied to either the wrong loans or to only one loan out of the multiple. The loans went into default even after several phone calls to XXXX XXXX to resolve the issue including providing proof of payment. Ultimately three of my loans went into collections and they reported marks on my credit report. I am now repaying my loans on the loans in collections. However, even those payments are being misapplied or suddenly stopped all together ( I have auto debit ). I have received letters now asking for full payment of the $ XXXX I owe them.
I am a victim of identity theft and I write to dispute certain information in my file fro the crime. I have included the items in this letter and listed items within my affidavit. Please block and remove this information immediately. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed and corrected.

Delete the following accounts : 1. XXXX XXXX/XX/XX/XXXX not mine 2. WellsXXXX XXXX XX/XX/2017 not mine.
I have on my credit a WV state tax that was paid.. I also have the release paper from the WV state tax that it was paid.. just want to get this off my credit. Thank you
I have an unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

THESE 2 ACCOUNTS HAVE BEEN PAID IN FULL - TRANSACTION ID XXXX XXXX THERE IS A {$0.00} BALANCE
Collections alert on my credit XXXX XXXX and XXXX for a medical bill. I never received any written correspondence from the company. I was not given an opportunity to validate said debt. Upon calling the company I was informed that they no longer had the account, however they placed the account on 2 of my credit reports. The bill was paid to the original creditor.
Select Portfolio Servicing ( SPS ) is a predatory lender and will not allow me to refinance my home even with excellent credit. I should be able to get a modification or refinance my present loan and move to a fixed rate mortgage. SPS does everything it can to prevent people from modification or refinancing at a lower rate. Operators answering the phone insist they are not a mortgage company yet they hold mortgages on homes.
Experian Date : XXXX XXXX, 2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is not my address nor have I ever lived in XXXX XXXX Ca Incorrect information on y credit report that is not mine and another address Experian came up with that has never been my address. 

Experian incorrect gather information not my address.
I had an unauthorized inquiry into my credit from PayPal Credit. I have since called PayPal Credit to remove the account. It was opened based on a former address. 
XXXX/XXXX/2015 Date of Inquiry : XXXX/XXXX/2015 Business Name : XXXX Address : XXXX XXXX XXXX Phone : XXXX
XXXX has been non-compliant with removing the unverified account ( XXXX XXXX XXXX XXXX XXXX ) which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that ( XXXX XXXX XXXX XXXX ) was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Navient is my loan service provider. I choose to make my payments every month myself as I work in the XXXX and believe that ACH debits create more headaches then actually help the consumer due to the number of fees I have seen them cause for this so called convenience. I have XXXX loans with Navient and I always pay a little more then is what is due. I contacted them on XXXX/XXXX/XXXX because I noticed that I was paid ahead and had been for sometime. I did some research on their site and noticed that any extra payments do not get applied to the principle of the loan they go to future payment. I emailed them and asked that my payments be reapplied to the principle instead of future payments and that going forward my payments be applied that way. Their response was that their platform does not allow that unless you are on auto pay. XXXX if all I feel as if I am being discriminated against because of the way I choose to make my payments. XXXX of all this could cause not only myself it any other people who want to pay this way to pay more in interest in the long run. For example a change in payment date could effect the total payed on the loan or if you were not paying attention and noticed you did n't owe anything on the statement and forgot to pay it you would have made that future payment for no reason. I believe that if thy are going to offer it for XXXX type of person making payments a certain way anyone making payments should have the same options. XXXX I believe they have probably profited from this practice unfairly charge people interest by not applying extra payments to the principle of the loan. Thank you for looking into this.
I filed a formal complaint against Wells Fargo on XXXX XXXX. Wells Fargo sent me a letter saying they were investigating my claim and would get me an answer by XXXX XXXX. It is now XXXX XXXX and I have never received anything else from Wells Fargo. I have since been forced to file Chapter XXXX Bankruptcy to prevent them from foreclosing on my home. My mortage is 36 % of my gross monthly income, my loan originated before XXXX of 2009, my sister had XXXX and lots of medical bills so I have a real reason for hardship. I have been trying to get assistance from Wells Fargo for almost 18+ months now. I was hoping that they would do the right thing since they knew the CFPB was looking into this, but they are still giving me the same old run around. Wells Fargo is lying and trying to say that I have a lot of equity in the house and that is the reason they are denying me. Is this a valid reason to not give hardship assistance? I had an independent appraisal done and it clearly shows that there is not much equity. Please help me get what I deserve. My only source of income is housing international students and if I have to give up my home, then I will not be able to survive. Wells Fargo told me to get behind on my payments or they could not help me, they have changed relationship managers on me multiple times and now they are trying to deny me saying I can just sell the house and get my money out, but I do n't feel like I should have to move and I would not get enough money out of the sale of the house to survive. I implore you to please make my file a priority. I am not looking for charity. I am just looking for what I qualify for.
On XX/XX/18, I went to the XXXX  store to purchase a laptop. I asked the XXXX  employee if there were any 0 % interest payment options. The employee advised that I could apply for the Barclaycard Visa with XXXX   Rewards.

I applied for the Barclaycard and when I used the Barclay/XXXX  portal ( XXXX XXXX XXXX  ) to purchase a laptop on my new line of credit it said that there was an error with the page. ( This error continued for the next 3 days ).

Since I needed the laptop the employee said I could purchase on a different card and return it and purchase it back on the Barclaycard. I contacted customer service to re-confirm that this is true. However, I later read the return policy and discovered that there would be a 25 % restocking fee on the {$2400.00} laptop, which was never disclosed by any employees. Since there was an error with the Barclay/XXXX  website and I was unable to purchase a laptop on the Barclaycard I applied for I suspect that many consumers are running into this same problem. I am looking to have this credit application removed since I was unable to use the new line of credit as the XXXX  employee explained would be possible. I contacted Barclay customer service representative on XX/XX/18 and the woman explained that she was not a Credit Bureau agent and could only close the account and could not do anything further.
I recvd an auto loan from DriveTime in XX/XX/XXXX for a XXXX XXXX XXXX. The vehicle was to be used for work/home. Unknowingly, the vehicle was one with several recalls that caused the vehicle to constantly have issues that impaired the quality and driving of the vehicle. These issues also required me to take off work for repairs under their limites warranty service agreement. The loan was provided at a high interest and overtime, I notice the owed amount never reduced and I struggled to Mantain payments. The loan was then seemingly turned over to XXXX without my knowledge or consent. Their customer service is poor and collection tactics unethical. I constantly try to understand why The loan is still averaging {$16000.00} for a car that is worth {$4000.00} on today 's market. The reps continue to say this is what I agreed to. I believe I am a victim of a PREDATORY LOAN. I am in the process of modifying the loan so I can get leeway on the payment that are $ 400+ a month. However, the service rep XXXX XXXX was very rude and nasty towards me trying to understand why the loan originality dates did n't match up on the documents and that of the account online. Theywere pressuring me to sign the documents before the allowed 48 hour time frame and he continued to call and email and text me within that 48 hour frame that the approval for a modification was recvd. I  still have no answers to understanding the loan or why all these payments have n't reduced the owed amount. I also dont know why the loan is extended for another 3 years. I dont think I should be paying for a XX/XX/XXXX recall all the way until XX/XX/XXXX. That 's kind of scamy scary business. I need justification and clarity
In XXXX of this year I wrote Portfolio Recovery Associates , LLC, requesting Verification after I noticed several collection on my credit report for the same account " XXXX ''. Portfolio Recovery have not responded to my request.
I understand that you are currently in the process of a lawsuit against Navient/XXXX From what I read, the lawsuits states that deferment was pushed by the servicer and the interests accrued where placed into the principal. This is completely true. I have {$12000.00} of capitalized interest since XX/XX/XXXX.
I made a payment to XXXX XXXX XXXX to pay off my Signature Loan with a Bank of America " Spirit '' Credit Card check. It was check # XXXX. I didn't know it has an Expiration Date on the check in small letters : Deposit or cash by XX/XX/2018. It had an offer ID on it : XXXX. I didn't really look at this check and thought it was good for all time. I was not told anything about this type of check. The date on the check is the date I paid off my Signature Loan. The ATM at a credit union in  Florida OK'ed the transaction and put the money in my XXXX XXXX XXXX . I moved the money from my checking account to pay off my Signature Loan of {$5400.00}. The Bank of America did not accept the check and didn't tell XXXX XXXX XXXX about this transaction. I believe Bank of America has committed Fraud in not accepting my payment even though I didn't understand that the credit card check had an expiration date which the ATM did not catch. Additional programming needs to be put in. It's possible the Bank of America has pilfered millions of credit unions and other banks by sticking the banks with the payment and then not processing the check. By reporting this do I get a reward from the Consumer Financial Protection Bureau? This Bank of America needs to be fined. It's Fraud when a bank won't accept their own issued checks.
I have a collection account on my credit reports from Merchant 's Credit Guide for a some kind of medical collection from a radiology place. I have no idea what this is and I have attempted disputing this with the credit bureaus and have not had any success in getting this resolved. This needs to be removed from my credit reports. This does not belong to me.
This account was opened, used and paid off by an old room mate that had stolid my ID. I have asked for it to be removed because of fraud, but they will not help me. I filed with Federal trade commissions Id theft web site last year.
I purchased a 1 yr old BMW 3 series and applied and received a loan from BMW financial services. I was not told however of the high interest rate. I have asked BMW to reduce my interest rate, and they told me to wait 6 mos and apply for re financing. I did but I was told I would not get the rate my salesman told me due to some dealers offering a promotional deal of 0 % or 0.9 % ... .I have been trying to get BMW financial to reduce my interest but to no avail. Can you help a senior out? Thank you
A third party collection agency is calling my job on a debt that I paid in full in 2008 with another collection agency. This agency will not give me a name, number, or addrss to send them my paid in full letter. they are calling my place of employment and threating me!
My capital one credit card account fully paid on XXXX/XXXX/2015 and still not reported to the credit bureau as fully paid. The credit report still shows the balance $ XXXX as unpaid. I am waiting for the actions from the credit bureaus.
I am a cosigner for my son. I have a good credit rating so I am making sure the loan is paid. I do n't deny payment is due but the phone calls are out of hand. I will get a call every hour, sometimes no one is there when I answer. They continue calling until XXXX Today, XXXX/XXXX/XXXX, I spoke with a customer service representative at XXXX central time and told her I would pay the amount due on Friday, XXXX at XXXX central. She wanted me to post date the transaction. I told her on XXXX separate occasions I had done that only to have them process the transaction immediately, causing problems with other payments and would not be doing that again. She supposedly made notes to my account stating the arrangements made. Literally XXXX minutes later I received another call from Navient requesting payment. I told the rep I had just made arrangements. There was nothing showing in file. We went through the whole post-date conversation again. I have tried to get assistance on some of the forgiveness programs but since it is private we do n't qualify. We have been paying on this loan since XXXX and have only dropped the balance by {$3000.00}. I would love to find a way to refinance and get away from Navient. I do n't know if they have internal communication errors or if they are just bullies but I am not a satisfied customer. Also, as a cosigner, I get a call when the payment is late but they want the next months payment at that time too. I refuse to pay it before it is due. I hope this is not the general practice of all student loan companies.
I am receiving letters from Thunderbird Collections Specialists Inc in regards to a medical bill that my fianc had with XXXX XXXX XXXX. This company has tried to report this to my credit report and saying that my last name is my fiancs which it is not. I have advise the collections agency that I am not responsible for this account since we are n't married at this time and that they needed to remove it off of my credit. I advise them to not contact me to my cell anymore. A few days goes by and they continue to contact me about this account, advise them again to quit contacting me. It has been weeks since the last call I have received, now I come home from work to get a treating letter that is address to me " who 's not responsible for the debt '' ... .... and the letter state " YOU HAVE FAILED TO MAKE ACCEPTABLE ARRANGEMENTS WITH US REGARDING THE ABOVE REFERENCED ACCOUNT. WILL IT BE AGREEABLE WITH YOU FOR US TO CONTACT YOUR EMPLOYER AND ARRANGE TO HAVE THIS DEDUCTED FROM YOUR SALARY BY MEANS OF A VOLUNTARY WAGE ASSIGNMENT? PLEASE REPLY IMMEDIATELY .... SINCERELY, THE PERSON NAME '' which is a treat to me and will not be stand for!!!! This account also should had been covered by her insurance from XXXX XXXX XXXX XXXX XXXX XXXX, which had fraud and internet breach around the time that they are saying it was n't paid. I am including XXXX different letters that have been sent from this company and that I view as collections treating.
on XXXX 2016, I use XXXX credit card under paypal to pay for transaction {$20.00}. Paypal charged me {$20.00} for that transaction also XXXX credit card charged {$20.00} for the same transaction. I call paypal to dispute and they refused to refund me.
This company in their response still did not specify exactly who the vendor is they use to verify the public record on my credit profile. they refer to this vendor as " the public record vendor '', again for the fifth time, who is the public record vendor? they could be inaccurate in their reporting. If you can not provide the exact name of the vendor please remove.
I have over {$80000.00} in private student loans from Navient alone. My student loans total over {$150000.00} altogether. I have been dealing with XXXX XXXX, now Navient for 6 to 7 years now. I have been in deferment, extended my payment terms, gone on income-based repayment plans, and gotten reduced interest for a limited amount of time so I could afford to pay my student loans. This last year my private student loans went up to {$640.00} a month and I called to get back on some sort of reduced payment plan. I had to provide details like how much I make and all the payments and costs I incur month to month. I was told I was not approved to get the help because I had too much disposable income. Let 's see, I take home roughly {$1600.00} a month. I already pay {$700.00} in student loans not including the {$640.00} they wanted me to pay. I do not pay rent or utilities because I have to live with my mom so I can afford to pay my student loans and other bills and necessities. They estimated that if they included the {$640.00} in my monthly payments, I would have {$100.00} surplus. What if I needed to go to the doctor and pay for a couple prescriptions? That could easily blow through that " disposable income. '' When I told the Navient employee that was n't much to live on, he said, " well you do n't pay any rent, or utilities or anything like that. '' This upset me and I told him, " I do n't want to live with my family, I do so so I can afford to pay my student loans. So are you telling me that I can move out and rent an apartment and live the way I want, and because I am spending more that can not go towards student loans you would be able to lower my interest rate and payments? '' He said, " Well I probably should n't say this but yes. '' I hung up the phone and started crying. I keep trying to do the right thing and make it work and they are no help. I have been struggling to pay the {$640.00} for months now and I just realized that entire amount is going only towards interest. I just received my Student Loan interest statements for 2016, and I paid over {$13000.00} in student loan interest, and probably paid less than {$1500.00} in principal.
By law a register letter has to be send to the customer within 15 before any repossetion can take place, Loanmart repo my vehicle without any warning and knowing that a lawyer was negotiaring a payoff. Now I have to pay {$450.00} for repossetion fees and a {$25.00} dollars storage fees. This company has been rip people off taking advantage of people in need.
On XX/XX/XXXX a voicemail was left stating I needed to call this company back so they could send me a certified letter. I called back and a woman told me I owed money from an old debt. She stated if a payment was not made by XXXX then they wpuld sue me and a court cost of {$2500.00} would apply. I told her i would have to call her back. I looked on my credit report and called the actual company that this debt came from. They stated the debt was paid in full in XX/XX/2013. This company 3 way called the " so called '' debt collector. The woman got flustered and hung up. This was a horrible, scary, and time consuming experience. I would never want anyone to deal with this scam. It seemed real! The company i had paid the debt in full told me this was most likely a scam. XXXX XXXX XXXX was the scam company here is there info : XXXX  Ext XXXX XXXX
I was victim of ID theft back in XX/XX/XXXX-XX/XX/XXXX, where my pre-existing credit cards incurred fraudulent charges and new loans were fraudulently acquired in my name as well. I was in the XXXX during this time and upon my return found out about the issue. 
Pursuant to the FCRA, I filed a police report and reported the issue to the Federal Trade Commission, both these institutions investigated the incident and declared me a victim of fraud and ID theft. 

I wrote to the bureaus, provided them copies of the FTC ID theft report, fraud Affidavit and the Police report, with which they were to block the fradulent information within 4 days of receipt of my correspondence. Experian and Transunion duly complied. Equifax flat out ignored my request and continues to violate the FCRA by persevering with reporting the fraudulent information. I have attached the excerpt of FCRA 605B that states the credit bureaus are to BLOCK fraudulent information within 4 business days.
the month of XX/XX/2018, my home depot card tried to take a payment from one of my banks, it was rejected. I called and card services said they would NOT try again and I should pay be phone..which I  did from a different bank account. Mean while AFTER home depot kept trying to take from my first account ( 4 times ) racking up {$60.00} in over draft fees, final they were able to take another payment. I have called 3 times getting the run around. Now they say I must mail in copies of my bank statements, when you can see on my home depot statement the 2 payments of {$100.00} were made days apart for the same amt. I want one of my payments refunded.