WillisBack/dataset-financial-user-claim huggingface dataset:
Discover Card Services falsely advertises, using the lure and encouragement of secure card offers for those with bad or challenged credit circumstances to apply - yet, they deny a secured application with dollar-for-dollar collateral despite their advertising on the website and, after multiple transfers to representatives and much time lost, no one can answer why? I feel their advertising and language is misleading and falsely representative ( contradicting ) to what they advertise and solicit, and they should be held accountable
My loans were forcibly put into disaster forbearance by my student loan servicer " XXXX '' ( due to living in the vicinity of the California Wildfires ). Within minutes of receiving the email notification I called them to find out what it was about. During that initial call, I was transferred to someone else to have the forbearance cancelled and removed. I was told it would take a week or two for the forbearance to be removed.

Two weeks later, the forbearance still had not been removed so I emailed them to ask about the status of my loans. It has now been a full month and I have received no communication and my loans are still in forbearance.

As a result of this forbearance I have lost my interest rate reduction which is provided on the condition of continuous automatic payments. While my loans have been in forbearance I have been aggressively paying them down to offset the interest rate increase that resulted from this predatory behavior on the part of my government and loan servicer.

I was in no way affected by the Wildfire Disaster and I am now being financially punished despite my honest efforts to avoid this forbearance and continue paying my student loans on their regular schedule. My credit score has also dropped significantly as a result of this behavior despite the fact that by every imaginable indicator my financial health and credit worthiness improved over the last month. The rule stating that student loan forbearance should not or does not affect your credit score is clearly simply not true.

This is predatory behavior by my loan servicing company and it is an absolute travesty that the government can force disaster forbearance on anyone in a geographic region without any input from the persons affected. I don't need your help and I will not allow my student loan servicing company to make windfall profits on the back of " disaster '' assistance.

How many hundreds of thousands or even millions of people in XXXX XXXXs are getting bilked at higher interest rates this month because of this unilateral action by the student loan industry?
I have filed a complaint with Consumer Financial Protection Bureau on Experian. The Complaint number is XXXX in XX/XX/XXXX and complaint number XXXX XX/XX/XXXX. Experian did not remove the negative collections that was put on my credit report from this account State Of Michigan # XXXX ... ... ( Exhibit B. Experian credit report ). This is the sixth time I have contacted this company and they have still failed to delete the disputed account Experian could not verify. After this letter, be advised that I intend to pursue litigation for the damages Experian has brought to me and my family. 
Based off the fact that Experian has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. 

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all Experian has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law!

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 just want Experian to remember when we go to litigation and Experian is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 

So once again, 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. I request that you do this immediately, which I am sure you are already aware of. 

Here is more proof that this account was never verified like Experian said they did. Exhibit B. Credit report shows that the account is {$220.00} in collections. Now look at Exhibit A. Michigan Child support Enforcement from XX/XX/XXXX through XX/XX/XXXX. Where do see the {$220.00}? Also on page two of Exhibit A. Michigan Child support Enforcement you will see on XX/XX/XXXX through XX/XX/XXXX that the account says {$120.00} three times. The reason why is the account was frozen because I had custody of my daughter and I filed a change in child support where my daughters mother had to pay me. Looked at Exhibit D. Court cases. XX/XX/XXXX Motion for Support filed. Now look at Exhibit C. Court Order XX/XX/XXXX. The Judge signed the documents showing that my daughters mother has to pay me child support. It even says XXXX XXXXXXXX XXXX child support obligation in this case be abated commencing XX/XX/XXXX. So now I want Experian to remove the account or the negative collection account that was placed on there by the State of Michigan   negligence. I am also submitting all my documents for review
I ordered new Bank of America checks online in XX/XX/XXXX. On XX/XX/XXXX I still had n't received them, so I called the local BoA office to ask about the status. They said they could n't help me, but that they could connect me with customer service, which they did. After going through a XXXX automated phone system, I eventually learned that the checks had been mailed to me on XX/XX/XXXX. But when I selected the number to speak to an XXXX, the system said it could n't help me and hung up. I called the local office again, and they told me to just keep saying " Speak to an XXXX ''. I called BoA customer service back and kept asking to speak to an associate. The system hung up on me. I Googled BoA customer service, called the XXXX number, chose the option for " stolen checks '', and after providing some additional info, finally got a real person. He then put me on hold for a XXXX time before transfering me to someone who confirmed that the checks had been ordered correctly and been shipped to the correct address. Since we never got them, she reordered the checks. This whole process took XXXX minutes. I would have been happy if I had gotten the woman who reordered the checks the first time. We have been with BoA/Merrill for many years, including all of our banking, investments, mortgage, and credit card, which together amount to a lot of money. It seems to me that we should receive far better service. This seems to happen every time we deal with BoA. We stay with them because we want everything in XXXX place, and we are relatively happy with XXXX.
Applied and was approved for a loan with GM Financial, received a " welcome '' phone which included a few questions from the GM customer service agent. One question, was " will anyone else be driving the vehicle '' I told them his name and then I explained I traveled a bit and my husband would be driving the vehicle about 40 % of the time and I would be the other 60 %. GM customer service agent then asked " why were they not on the loan ''. I stated, never thought about it since this person was my partner and we lived together. Besides my partners credit was n't as good as mine. The agent then asked for my work number to verify my employment, I explained I was driving and would get the information to them with the next few days. When I called to give them the information as requested, I was told my " loan had been sent back to dealer '' ... I asked the agent why, she replied " you will have to call the dealer '' ... So I did just that, the dealer told me that GM Financial stated I was doing a " straw loan '' ... needless to say I was shocked!!! I explained, how could GM accuse me of doing a " straw loan '' when the insurance for the new vehicle was in both our names, along with the checking account from which the payment would be made. I feel or know that GM Financial discriminated against me and my husband, since we were XXXX.
Hello, Navient continues to call me as well as leave messages telling me they need to talk to my son, XXXX XXXX. They also say they need his contact information. They call repeatedly. I do n't have any updated contact information and I do not want to talk to them. I have co-signed loans with them and they are all current. I asked them to stop calling me, and they said they would put my number on the do not call list, but they keep calling. The number is XXXX.
I TOOK OUT A LOAN WITH XXXX AND THEN I GOT IN A WORK RELATED INCIDENT AND WENT ON SHORT TERM XXXX. I TRIED PAYING THEM AND COULDN'T ANY LONGER. THEY IN TERN ADVISED ME BY EMAIL THAT THEY WERE TURNING THE ACCOUNT OVER TO AN OUTSIDE COLLECTION AGENCY CALL XXXX XXXX XXXX. THEIR NUMBER IS XXXX. THEY HAVE NEVER TRIED CALLING ME BUT THEN I STARTED GETTING CALLS TWO WEEKS AGO FROM A XXXX XXXX XXXX EXT XXXX FROM A SO CALLED XXXX XXXX XXXX. THEN ANOTHER PERSON SOUNDING VERY MUCH LIKE XXXX XXXX THIS TIME NAMED XXXX XXXX. THEIR FILE NUMBER WAS FOR XXXX. THIS TIME HE GAVE ME A DIFFERENT TELEPHONE NUMBER OF XXXX EXT XXXX AND THEN I GET ANOTHER PHONE CALL FROM ANOTHER DIFFERENT NUMBER XXXX. I DID SOME RESEARCH AND ALL THESE NUMBER RING BACK TO CAPITAL MANAGEMENT SERVICES. XXXX XXXX XXXX IS SUPPOSSEDLY LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX AND CAPITAL MANAGEMENT SERVICES IS LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX
I have been disputing this account on my Report since  XXXX  when I noticed that this appeared on my report.   I have asked bo th Equifax ( CRA ) as  well as  XXXX   ( Creditor ) t o furnish me with copies of an original contract bearing my signature, and have failed to do so. I know that I did not open an account at  XXXX . Equifax does not verify the information according to the FCRA, will not provide me the contents of my credit file not the report, my file must contain hard copies of all creditor information about said account according to this act and that I am entitled to said contents.   I have spoken to Equifax several time after each dispute requesting documentation, the person who is verifying this information and the method that Equifax is using to verify. I was just told by a  Supervisor   XXXX   ( wo uld not furnish last name ) at the  Dispute dept.  of Equifax that Equifax does not itself verify creditor 's information but they honor the creditors information and put that on my report.   This is a contradiction of the FCRA, on how the CRAs are supposed to verify information. I need this wipe from my credit report, the amount is minimal {$910.00}, it is the principal behind this, if it were mine I would gladly pay this.   Why do we have laws and acts if CRA 's can circumvent these laws so easily?  <P/> I have provided the information below on my dispute history.  <P/> This is a summary of your Equifax  Credit File activities  within the last 365 days.   We will periodically notify you via email of the status of any pending online disputes or other disputes you have authorized Equifax to deliver online.  <P/><P/><P/><P/> Results  XXXX  COMPLETED   XX/XX/XXXX   XX/XX/XXXX  Viewed   XXXX    PENDING  XX/XX/XXXX   XX/XX/XXXX  ( Estimated ) -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Mailed  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX   XX/XX/XXXX   XX/XX/XXXX  -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX Expired   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired Thanks you,   XXXX   XXXX
I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible sierra finance  XXXX / XXXX / 2017
I received a letter of a debt owed to Lloyd & McDaniel. so I called to see what was the best route to go to repay the debt ( that I 'm still not a hundred percent sure how I got it ). We agreed that I would pay hundred dollars on the XXXX of each month until the total amount was paid. After making the first payment I got a call from human resource at my job about a garnishment from this same company. Thinking there was a mistake I called Lloyd & McDaniel the debt collector to clear the issue up. After being called a liar for fifteen minutes and being reminded that all calls are recorded which I found funny because if they listen to the previous call it would have cleared up this whole situation so I decided to end the call and try back later. I woke up to today to see my bank account had a XXXX balance, so thinking there was a banking error a called them and I found out the company in question was no other than Lloyd & McDaniel. So pretty much they lied to me to get my bank information and withdrew all my funds. It sad because I was going to pay a debt that I 'm still not a hundred percent sure about to keep my credit score high but instead got hustled by a company with no morals.
I have a mortgage loan with SLS ( Specialized Loan Servicing LLC. I paid my mortgage paid in full on XX/XX/2018. 
my XXXX payment paid on XX/XX/XXXX more than my mortgage payment ( {$850.00} instead {$810.00} ). I closed my house on XX/XX/XXXX. 
SLS calculated Intrest till XX/XX/2018 nstead of charging till XX/XX/2018. 
I can submit past 6 months of payment slips if necessary. 

Thanks XXXX XXXX
Bought the Car 3 weeks ago without issue and just received a letter that states that they are taking the loan back and it is not approved and I have 30 days to secure financing again after I signed a Contract and it was approved and I was even contacted and told that they were offering a Lower interest rate to me that would lower my payment like XXXX dollars a month or I could get the Gap Coverage and Now this I dont understand how they can do this after I signed a contract and have had the car for 3 weeks and now they just want to renig on the contract like I was never approved ... I find it funny their letter says that I was declined but I was not only approved but once they checked they stated that my credit was better and offered a lower interest rate and lower payment or GAP coverage at no additional charge because of the improved credit and now they don't want to honor the contract they entered into with me
My federal student loan is serviced by MOHELA. Six months ago, I requested a forbearance because of unemployment. The process entailed filling out and submitting XXXX forms along with documentation of unemployment. I did so, and my request was denied. MOHELA wanted a different more documentation. I initially had trouble getting additional documentation, but eventually downloaded from the website of the Texas Workforce Commission ( TWC ) a Payment List Summary. This summary contains information about when and how much I was paid in unemployment benefits. It also indicated that I had received the maximum amount, and that was ineligible to receive additional benefits. XX/XX/XXXX, MOHELA informed me that my request was denied because I had not submitted the documentation with the XXXX forms. 

I submitted a new request XX/XX/XXXX with the XXXX forms and the documentation from TWC. On XX/XX/XXXX, I was informed by MOHELA that my request was denied because TWC document was not recent enough. When I called, I was told that I would also have to register with MOHELA 's Career Services. 

This pattern indicates to me that MOHELA is unwilling to approve my forbearance. If that 's the case, then I will be very frustrated and puzzled because I have continued to make payments despite being unemployed since XX/XX/XXXX. I have used my retirement funds to meet financial obligations while I have diligently sought employment. At this point, I would like help in trying to resolve this matter with MOHELA.
XXXX # XXXX needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and I have filed several reports about new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.These debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
XXXX charged off credit card debt from a failed business venture and reported it as a consumer account on my credit report. I disputed the accounts with XXXX and in retaliation XXXX sold the debt to an outside debt collection agency called Sherman Originators, LLC. The only reason I was notified that Sherman Originators, LLC owned the disputed debt is because XXXX responded to a complaint I filed with them regarding the failed business venture. I did not receive a notification from Sherman Originators, LLC. about an attempt to collect a debt or information verifying the debt was mine which is in violation of the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, after checking my credit report the debt was sold again to a company called LVNV Funding, LLC. I  contacted LVNV and they sent a letter that appeared to be in compliance with regulations set forth by the FDCPA and the CFCPA. However, I was unable to dispute the matter because the company received inaccurate information from the Sherman Originators and ultimately XXXX regarding the classification of consumer and business debts. XXXX and Sherman Originators did not meet requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, LVNV Funding, LLC refused to acknowledge they received incomplete and inaccurate information from Sherman Originators, LLC and ultimately XXXX. How can inaccurate information and failure by the companies to properly notify, stemming from the original source, continue to be reported to my consumer reports?
I had a car accident on XX/XX/XXXX. I took a leased car on XX/XX/XXXX from the XXXX XXXX  XXXX XXXX. The loan was pre-approved from XXXX 's bank, but the GAP company didn't process the payment they had to make for the car I lost in the accident. The dealer was scared to lose the contract with the new car. They looked at my credit score at the beggining, so I think they started to check my credit score again three times with three different companies without my permission, change the contract, and try to sell me the car instead of leasing it.
There are inquiries posted on my report that are unknown to me and it is concerning : XXXX  XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX. 
XXXX, XXXX ( TWICE ). XXXX, XXXX. XXXX XXXX XXXX, XXXX.
Someone had used my information and made an unauthorized hard inquiries 1.XXXX XX/XX/XXXX and XX/XX/XXXX 2.FDC/First Data Services XX/XX/XXXX
I received a phone call at XXXX XXXX my local time, local to the address/zip code that my mortgage is through. When I answered the phone, the representative stated that she is with SunTrust mortgage and asked me for my social security number. She did not disclose that this was debt collection ( failure to use FDCPA miranda ) and I was very confused. She refused to tell me what the call was in reference to. 

I called SunTrust and they disclosed that the call was an automated dial in an attempt to collect a debt. I had already submitted my payment the previous business day before receiving the debt collection call, and my payment was still within the 15 day payment window ( not late ).
I was advised to consolidate student loans and PLUS loans, which I am now told do not qualify for any of the income-driven repayment plans. The only option is a calculation based on the outstanding balance, regardless of my income or expenses. 

The only reason I consolidated and switched to this servicing company was to participate in the income-based repayment, which they told me I was doing. Only today did they advise that I am not eligible because a portion of the consolidated loans is PLUS. 

During the first year, they apparently miscalculated or had me in the program they now tell me I can not participate in : my payment, based on my income, was $ XXXX. The new payment, based on the new program/formula, is $ XXXX XXXX impossible to pay ). 

This is 25 % of my take home pay, before any expenses are paid.
On my credit reports it is showing XXXX different company names XXXX and on the other FINGERHUT/WEBBANK. Which is it??? It 's also showing XXXX different open and close dates. One credit report is showing XXXX/XXXX/12 and the other is showing XXXX/XXXX/12 as an open date for example. That would mean that I have XXXX different accounts, which I do n't have. XXXX different inaccurate information. The balances are showing {$0.00} and the account is showing closed on all XXXX credit companies, XXXX, XXXX, AND EQUIFAX.