WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a CareCredit account in XXXX of XXXX. I charged my XXXX treatment to the card ( about {$3500.00} ) and signed up for automatic payments. I arranged for {$120.00} to come out of my checking account each month. I was aware that it was only interest free for 1 year 's time and wanted to pay off at least half of the charges. In XXXX, when the promo period had expired, I realized that CareCredit had been lowering my payment from {$120.00} to their minimum payment. Looking back at my records, they began lowering my payment from {$120.00} to {$91.00} until eventually, {$70.00} was being deducted, something I had not authorized. After doing some research, I realized that CareCredit had been ordered to pay {$34.00} XXXX in a class action lawsuit in XXXX for that very same reason. I did n't know about the lawsuit at the time I opened the account and if I did, I would 've never opened an account with CareCredit. Now, I am paying {$200.00} a month, and it 's as if I never paid anything on my account at all.
In XXXX I was a victim of identity theft and 2 cars were taken out in my name by an unknown person/s. The vehicles were taken out by different banks in two different dealerships. When I notified both companies. XXXX XXXX XXXX a.k.a XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX a.k.a XXXX XXXX XXXX they did nothing to help rectify the credit reporting or clear my name. Fast forward to XX/XX/XXXX, 5 credit inquiries were done under my name without my consent by one dealership to 5 different banks. My credit score is being tarnished by all these negative credit reports and inquiries. XXXX XXXX, XXXX and XXXX all refuse to remove it from my credit report because its not up to them but to the companies running my name and information.
We put the house in irrevocable trusts. Wells Fargo ( WF ) okay the transfer in XXXX XXXX. We rec 'd a ltr in XXXX stating that it was not allowed, and that they would foreclose if we do n't transfer it out of the trusts. We had numerous correspondences, and began paying off the loan XXXX XXXX and it was completely paid off by XXXX XXXX, XXXX ; WF sent the release of lien XXXX, but told XXXX and XXXX that we were in foreclosure. As the result, my credit rating dropped by XXXX points. We needed to keep the house in the trusts because my husband is ill, and we told WF that we will pay off the balance. As of XXXX, we had {$480.00} balance in the account. Can they ruin our credit for {$480.00}? It seems mean spirited and petty?
MY MAIN COMPLAINT THAT I AM REQUESTING YOUR HELP WITH IS THAT XXXX VIOLATED THE FAIR CREDIT REPORTING ACT, SECTION 623 ( a ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICES ACT, SECTION 807 ( 8 ). THEREFORE, THEY MUST REMOVE THE ITEM FROM MY CREDIT REPORTS. THEY COMPLETELY IGNORED MY LETTER TELLING THEM THEY VIOLATED THE ACT AND THAT THEY MUST DELETE THE ITEM FROM MY CREDIT REPORTS. IVE NUMBERED EACH DOCUMENT THAT I WILL BE UPLOADING.
DOCUMENTATION # 1 THIS IS THE FIRST LETTER I SENT DISPUTING A DEBT ON MY CREDIT REPORT. THE FULL LETTER WILL BE UPLOADED FURTHER IN THE COMPLAINT. FOLLOW THE UPLOADED DOCUMENTS 1-5 TO GET THE WHOLE STORY.` XXXX/XXXX/2017 **XXXX XXXX XXXX XXXX XXXX, WI XXXX  Re : # **** To Whom It May Concern : This letter is regarding account # ****, which you claim I owe {$300.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
# 2 COPY FROM US POSTAL SERVICE COPY OF SIGNATURE AND RECEIPT OF CERTIFIED LETTER ON XXXX/XXXX/2017.
# 3 LETTER FROM XXXX INDICATING THEY DEEMED MY COMPLAINT FRIVOLOUS OR IRRELEVANT, DATED XXXX/XXXX/17 AND RECEIVED BY ME ON XXXX/XXXX/17.
# 4 & # 5 LETTER FROM ME TO XXXX INFORMING THEM THAT THEY HAVE VIOLATED THE FAIR CREDIT REPORTING ACT AND A COPY OF XXXX ON MY CREDIT REPORT **Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX-XXXX-2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
I pulled my credit XX/XX/XXXX and seen that there was a collection placed in XX/XX/XXXX for a medical debt in the amount of {$770.00} from XXXX that I am unaware of. I have disputed it several times, XX/XX/XXXX and again in XX/XX/XXXX asking to verify that this account is in face mine or delete this as it is holding my credit at a stand still and I have received nothing from anyone. I looked the company up and they do n't seem to be able to collect in the state of Idaho which I currently live in and have the past 2.5 years and they may be in violation of my HIPAA rights by having access to this account which may be why I have received  nothing.
Called my phone at work several times after asking not to call my work phone. Several times they keep saying they have no record of them calling and no record of me on tape saying not to call.
On XX/XX/XXXX, I was enrolled in what I now understand is a scam being perpetuated by Premier Student Loan Center related to federal student loan consolidation and enrollment in repayment plan. Premier Student Loan Center charged me {$240.00} for 4 months ( XX/XX/XXXX- XX/XX/XXXX ) for " enrollment fees '' and has since been charging me {$30.00} per month in re-occurring fees.  The services they provided are all services which I could have received for free and Premier Student Loan Center continues to scam borrowers into paying additional fees by telling consumers that additional repayment plans are available through them. In addition, Premier Student Loan Center gave my loan servicer a false email address for me and it also requested sensitive data, including my FSA information.
I filed bankruptcy on XX/XX/XXXX and finalized it in XX/XX/XXXX. This information should not appear on my credit report as the Courts do not report this information. Please look into this and remove both derogatory marks from my credit reports. I have submitted several inquires and have been told the information is correct, but have not been provided proof.
I requested a copy of my credit report and spoke with a representative and inform the representative that there are a lot of inquiries on my credit report from the same company made within a month from each other and some inquiries made within the same day as fraudulent and I did not request any information from the companies that are showing up on my credit report, to no avail have the multiple inquiries been removed the credit bureau sent me an updated credit report with the same information I also spoke with a supervisor to no avail this situation is disheartening
BMO Harris Bank in Wisconsin called me today. The collections dept representative claimed that the mortgage was overdue by 3 months. This issues has been previously resolved twice. The account was set on auto payment. It is a variable rate. The payment increased by {$1.00} and the auto payment failed to make the adjusted monthly amount. The system they use then automatically claims the account has not been paid. The technical errors were corrected. Then it happened again, the apparently do a system restore and all the past problems are brought back. I received a call today stating the account was overdue etc. It is not overdue. The account has been paid in full each month. This bank does not pay a living wage and they can not find technology specialists who would work for them. Then bank has widely been reported to have paid XXXX dollars in fines already for criminal behaviors with customer accounts. Outside professional peer review of their failure to perform customer services summarizes this complaint. This mortgage was a predatory lending exploitation and we are considering hiring a major law firm which can run TV ads and invite others who were exploited by predatory loans to come join a class action suit. Fines seem to have no effect on the business practices of this financial institution.
Navient refuses to honor the terms of my private loan agreement and place my account in Forbearance. After refusing to place my account in the student deferment I am entitled to as an enrolled student, and multiple formal complaints filed, I was informed by Navient representative XXXX XXXX that I was eligible for 12 months of voluntary forbearance. I stated I wanted to use my forbearance as my financial situation is difficult and I can not afford payments at this time. I completed all paperwork necessary and ( after more formal complaints ) a forbearance was applied to my account, but only for 3 months This forbearance expires on XX/XX/18. I again went through the hassle of applying for the forbearance in mid XX/XX/2018 as I need to use my full 12 months. I received a message that I needed to send a {$50.00} payment in order to have the forbearance applied. While I find this unreasonable and very difficult to manage, I still emptied my bank account to send this payment. Navient cashed the payment on XX/XX/18 but then sent me a notice on XX/XX/18 that my forbearance was denied because they " did not receive my payment. Not only has the check cleared my account, but Navient has posted the payment to my private loan in question. The payment was postd to my account days before the denial was sent. In contacting them again, I was told to call, which I believe is an intentional tactic to avoid having anything in writing, which they could be held to or used as proof to support any action against them. I can not call due to my work schedule, and even if I could, I do not trust the company to honor anything said given the long history of deception and dishonesty from this company. I believe this is an intentional deception to force extra payments on this account. This has been an ongoing problem with Navient and they consistently refuse to apply deferments and forbearance as agreed.
In XX/XX/XXXX I had Internet service with XXXX XXXX out of XXXX, KS. Until I terminated service with XXXX and mailed the leased cable modem and equipment back to them. 
In XX/XX/XXXX I was contacted by a collection service affiliated with XXXX called MID CNT CRSV. They demanded payment for the modem and I explained that it was mailed to them and that they needed to check with XXXX to confirm this. Their response was " that is not our problem we can only give you the option of paying the full amount, or we will keep this on your credit report '' After a year to avoid negative credit effects I offered {$75.00} to settle the account. MID CNT CRSV refused and said they would only accept full payment to remove the information. 

It has now been over 8 years since I canceled service with XXXX and over 7 years since this charge was listed on my credit. I currently have a XXXX credit score and in all those years I have never had an open account in collections from any company. I believe XXXX and MID CNT CRSV are working together and using bully tactics by threatening to continue reporting old accounts so that they continue to damage credit scores in order to retrieve funds whether they are legitimate or not from past customers.
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company XXXX XXXX XXXX XXXX XXXX XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely XXXX XXXX
Our {$500000.00} Heloc loan with XXXX XXXX XXXX, which had an outstanding balance of {$490000.00}, was paid in full on XXXX/XXXX/16. However, all three CRA 's are still showing both of these amounts ( credit limit and balance ) as outstanding, even though they have received notification from the bank that this Heloc has be paid in full. When I called Experian today, I had to wait on the phone for over 25 minutes before someone answered, and then they told me it could take up to 30 days to correct my credit report. In the meantime, my FICO scores are being negatively impacted. 
I can not believe that it takes these agencies 30 plus days to reflect accurate information. This is well beyond what should be a reasonable time frame to update information.
I have tried to verify the debt by asking for the contract and signature to verify if the debt is mine, they sent a credit card statement and nothing else. I have sent XXXX letter to them asking to verify the debt and they didnt respond instead they are trying to sue with out even showing the debt is mine. I have try to offer a settlement even though they cant prove the debt is actually mine and there is again NO RESPONSE.
I visited Quicken Loans website to see what my financing options for a mortgage. I was more interested possibly in a bridge loan because my home is paid off and wanted to sell my home and put the money towards a new home. Not knowing about Quicken Loans, I only wanted a soft pull for what info I wanted to give them without my Social Security or making any offers. After giving my address, email, phone # and a credit rating, my phone started to blow up with phone calls. The 1st guy that called ( I believe XXXX was his name ) was rude and did not want to listen to my needs. It seemed as if he had a document that he was reading off and I was annoying him with my questions because I wanted to cut to the chase and get my answers. I ended up hanging up. What has upset me was that they have sent my information to several lenders and my credit score went down 7 points by a company called XXXX that looked at my credit score 2  times, XX/XX/XXXX & XX/XX/XXXX. I contacted XXXX and they said that they are affiliated with Quicken Loans and I should dispute my credit with them. I was recommended to a employee name XXXX XXXX, an Resolution Advocate and she said that she could not help me and that the other Lead Resolution Advocate XXXX XXXX that she was going to recommend me talk to, was not going to dispute or help me out either. That ... .is unacceptable and what set me off ... .Obviously Quicken Loans don't care about my needs and took advantage of me and my credit score that would of giving me a lower interest rate. I will NEVER deal with this company again! I will be filing my complaints and reviews on EVERY consumer website to let the public know about Quicken Loans and their associates and be warned. If they would of taken the courtesy to disputed my credit score, I would of let this go!
There are two issues with XXXX XXXX on my report that are concerning.

First, I was a customer of XXXX XXXX   and I see that they pulled a report in XX/XX/XXXX. I was a customer for a few months but they were new in Montana and they service was sketchy, they promised to port my number ( business phone ) and could not for many months. the is a note attached to that activity : Permissible Purpose : XXXX XXXX XXXX/written authorization/investig fraud. I feel this is very strange and I did not authorize this nor did I commit fraud. I feel this is a negative commentary that I don't deserve.

about 6 weeks ago, I received a box from XXXX XXXX and opened it to find that XXXX XXXX had sent me 2 brand new in the box XXXX XXXX. I did not order, I was not a customer of XXXX, and I did not really know what to do.

I called XXXX but they kept asking for my SSN -- and since I have no way of knowing to whom I am speaking, I did not provide it, and they can't find an account by my name or address ( again, I am not a customer ) I took both phones to XXXX  in XXXX. I asked for the manager XXXX, and he helped me, he took both phones and sent them back. I have copies mailing documents that XXXX said indicated acceptance of the phones. I also have a recording of the entire conversation between XXXX, XXXX, and myself on the day I returned the phones. XXXX said it was the 4th set of phones returned in the same manner.

Today, I got a letter from XXXX  Reference Number : XXXX  saying [ dated XX/XX/XXXX] about the time that I that I was not approved for a phone in accordance with a recent credit pull ( I never requested it ) and I am concerned about this repeated activity and no assurance that XXXX is taking this seriously nor acting on my behalf. And, seemingly, they appear to be making my credit report with negative commentary. This is not fair to me.

Please note that the identifying information they provided in the XXXX  request on XX/XX/XXXXhas my name and address but the number is not mine. Never was mine, and is an apparent indicator of fraud and a possible link to the perp.

Furthermore, I believe XXXX  sold me phone that had a number from Idaho originally and that the phone was not new as it should have been. Why eles would there be a XXXX number assigned to it?
Fifth Third Bank has canceled and changed my account numerous times. I have been charged a {$11.00} maintenance fee on my account. I have lost thousands of points earned from credit card purchases that suddenly disappeared without any explanation. This has been going on for years and it's asinine. I have been with this bank since I was a child. My mother opened up my first savings account with this bank, at the same branch that I've used my entire life. There is no customer loyalty when I have been loyal to them for my entire life. I'm always having to worry if my money is safe FROM THE BANK when I shouldn't have to be worried at all, that's why I deposit my money there to feel that my money is secure. It's not. It's being slowly taken from me and there's nothing I can do.
In or around XXXX my Identity was stolen and used to open several auto loans and credit cards without my consent. I would like to have this removed from my credit as soon as possible because I should not be punished for being a victim.
RE : Hard Inquiry/Unverified on my behave. 
I recently checked my credit reports with Experian, XXXX, XXXX. 
I have a Hard Inquiry from company : XXXX Hard Inquiry done on : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to Experian Dispute center and to the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX have not yet received any return correspondence, at XXXX neither companies.
The company calling themsleves Empire Solutions Group is using a tatic hereby spoofing their nubmer to show as a local number from my area code. The message they leave sstates to call back to XXXX but shows as coming from XXXX XXXX XXXX XXXX.
When I try to calculate my payment amount, the " formula '' Chase gives me that they use never comes out to the same amount due for my monthly payment. They say the difference is in the rounding and I do n't think that is the complete truth since the difference is usually higher than an amount that a mere hundredth rounding would leave. <P/>I would like to know : 1. Are they allowed to add the late fees amount into the balance that they use to calculate my monthly payment and if so where is that stated? <P/>2. Are they allowed to report to the credit bureau that my account balance due includes their monthly interest payment and their late fees ( accrued after my husband died while I was trying to get financially back on track from loss of income ) instead of the actual principal balance I owe?
I have an auto loan with Santander consumer Usa. Its a subprime auto loan with 24.4 percent interest rate. My monthly paymant is {$460.00} a month. XXXX has been applied to the princable of 24 payments. I notified the company in writing that i was forced to pay an additional {$2500.00} down for extended warranty as part of the terms of the loan. Found out the car was still under warranty by XXXX. They said they couldnt refund that money to contact the company that sold the warranty. Turns out they are subdividion of ssntander. I wrote them a letter after they repo my car stating i was on workers comp and can they put a hold on my payments or refinance the loan. They refused. I got my car back after paying the past due amount of {$1200.00} and 1 week later the calls started that i was behind by {$1500.00}. They refused to refi or renogotiate payments. I owe {$16000.00} the same amount as the day i purchased the car over 2 yrs ago and total payoff amount is higher. I put {$6500.00} down. The ticket price was {$11000.00}. I know i should expect higher fees because my credit isnt great but the way I see it is they are making sure I will never be able to pay off this loan. It a 2012 XXXX. They apply payments any way the want instead of where its supposed to be. I have made XXXX payments in one week this month and again a week later tge collection calls start. They report me 60 days late almost monthly. There is no resolution with the bank. No matter what form of payment i use im charged an addition {$10.00} convenience fee. If i mail them a payment they tske their time posting it then charge me late fees and more interest. Im constantly threatened with repos. They wont refund my {$2500.00} for the warranty i did not need and never once used. Now that im workers comp my income is half of what it was. I sent them the award letter from XXXX. They dont care. I dont understand how i still owe the exact amount i owed from the day i purchased the car. I dont know what else i can do so i send them every dime i have just to stop them from taking the car in the middle of the night again. I need my car to go to the doctors, surgeons and physical therapy. They even refused to take a lein on my settlement.