WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I reviewed my credit reports and found that there was an account reporting inaccurate information in my credit files. This account is reporting as a charged off account with a balance of {$1400.00} reporting under the account number XXXX. On XX/XX/XXXX I wrote a letter and mailed it certified delivery to XXXX XXXX XXXX and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry.

I received no response so I wrote a second letter and mailed it by certified delivery on XX/XX/XXXX.

I received no response so I wrote a third letter and mailed it by certified delivery on XX/XX/XXXX. It is now ( 7 ) months since my initial letter requesting validation and since it is over the 30 day time frame since the mailing of my request to XXXX XXXX XXXX   this company is in violation, they are out of compliance.

Under advise, I wish to informed XXXX XXXX XXXX that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
I took out my second loan with the cash store in XX/XX/XXXX with plans to pay it back. I do not remember the exact date because i no longer have the forms. Due to an unfortunate change in jobs and income, i wasnt able to repay the loan as i had planned. Around XX/XX/XXXX their collection agency called me and asked about the money and if i had it. When i said i didnt have the money and i wasnt sure when Id be able to, the guy on the phone immediately threatened to sue and said i could go to jail. Now on XX/XX/XXXX, i received a call, not even sure from who. Threatening to take me to court unless i decided to make a payment arrangement of some sort. The lady on the phone not only had an attitude, but after i said i didnt plan on going to court. She explained that they would take me if i didnt make some sort of arrangement and when i said okay she immediately said we are going to take this to court then, thank you. Bye and hung up the phone. Im not sure if this a scare tactic or an actual problem.
Experian has shared my credit report to specific merchants who had no permissible purpose. The companies are listed on the attached letter.
The Credit Agency continues to report a debt that is not mine and is being verified as my debt by XXXX/XXXX who no longer handles the debt they sold it to XXXX, but they continue to verify it as mine. I have not heard from XXXX XXXX. but the agency has not delete this item from my credit profile, they are dealing with XXXX/XXXX who no longer handles this debt but they are responding negatively.
I am attaching the letter that I sent to Equifax, XXXX XXXX XXXXXXXX XXXX on XXXX XXXX. More than 30 days have passed, and they have not responded yet.
This is a re-escalation of CFPB complaint XXXX. The original complaint pertained to the receipt of inaccurate information on multiple occasions from Bank of America XXXX XXXX, but this re-escalation most specifically calls attention to the un-enrollment of my IRRA account from XXXX, and the negligent oversight by Bank of America XXXX XXXX to advise me the account needed to be re-enrolled, which resulted in missed opportunity for trading over a period of time. As mentioned in the original complaint, I authorized a {$41000.00} disbursement from my XXXX in XX/XX/XXXX to  serve as a form of down payment for a home my wife and I purchased. The company response indicates I was advised a 1099 form would be generated and sent whether the distribution was returned in 60 days or not. If the company verified I was told about the generation of a form 1099 via recorded calls, I wo n't dispute their findings. However, the related element XXXX will dispute is the receipt of form 5498, which I was told I would receive in XX/XX/XXXX for XX/XX/XXXX tax filing. The company response indicates they are unsure why I would assume the receipt of the form 5498 when  there is nothing in the conversations that would indicate the withdrawal was related to a XX/XX/XXXXfiling. This rationale sounds ridiculous ; the distribution was made in XX/XX/XXXX, thus I was under the impression I would receive the form 5498 the following XX/XX/XXXX. The initial representative who advised me of this information made no verbal distinction that I would actually receive form 5498 in XX/XX/XXXX. The company should re-review recorded calls to research this part of my claim, and take ownership for the error. Regarding the un-enrollment of my XXXX from XXXX - my contention is that during the phone call to reinvest the {$41000.00} distribution back into my IRRA, I was NOT advised by the assisting representative about the need to " re-profile '' or re-enroll into the MESP. The call simply concluded, and there was no additional contact to inform me of the same. This was a huge oversight on the part of the company by not proactively consulting me on critical next steps to ensure my account could resume trading, which undoubtedly cost me in the form of missed trading gains during the time period the account was unenrolled. The company response did not address this specific point about this oversight made by the representative ( s ) who handled the phone call when the reinvestment occurred, and I suspect intentionally opted to overlook this important element of my complaint.
ON XX/XX/XXXX I MADE AN ADVANCED 1 MONTH PAYMENT FOR MY MORTGAGE TO GO BI-WEEKLY. TRANSACTION # XXXX  TEL ID# XXXX IN THE AMOUNT OF $XXXX. SINCE XX/XX/XXXX I HAVE BEEN RECEIVEING THREATENING LETTERS AND PHONE CALLS FROM PNC BANK THAT I HAVE BEEN DELINQUENT 1 MONTH BECAUSE THEY NEVER RECIEVED THE PAYMENT IN QUESTION. I HAVE COMMUNICATED AND FAXED OVER MY BANK STATEMENTS SHOWING PROOF OF THE PAYMENT WITH THE TRANSACTION NUMBER AND NOW IN XX/XX/XXXX THE HARRASSMENT AND LETTERS HAS NOT STOPPED. PNC BANK IS UNWILLING TO FIX THEIR MISTAKE THEY ARE CAUSING MY FAMILY AND MYSELF UNDUE STRESS THAT I MUST CONTACT YOU FOR HELP.THANK YOUXXXX XXXX (XXXX)-XXXX
On XX/XX/XXXX, I received a credit report alert for the first time through XXXX notifying me about a delinquent account that was reported to the credit bureaus ( which had detrimental effect on my credit score ) by a collection agency, named XXXX XXXX XXXX. This agency acted on behalf of XXXX XXXX Fire Department ( XXXX ) regarding what is perceived to be an overdue payment for XXXX ambulance service on XX/XX/XXXX. While it is true that I had used an ambulance service on that particular date, I had never received a bill through the mail in this regard, bearing in mind that my insurance coverage pays the ambulance service 100 %. 
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to locate my collection account. I discovered that the agency had me under a different last name ( XXXX and not XXXX ), they did n't have my full address ( just the building address without apartment number ) and did n't have my social security number. Afterwards, I called XXXX who acknowledged to me that they had sent a bill to an incomplete address ( a mistake from their part ) and that the mail bounced back to them and they did n't search for my information. They also notified me that they will file a claim to my health insurance company and they will pull back the collections claim and apologized for their mistake. Since, I was kept in the dark for a year and I did n't receive a single mail to inform me of these developments from either parties, I kindly ask to notify all credit bureaus to remove any negative impact this situation could have resulted in my report.
On XXXX/XXXX/XXXX I went to XXXX Hospital XXXX XXXX, XXXX, Arizona. Services were rendered, I paid the {$100.00} copay, the hospital sent XXXX XXXX the electronic file for the claim. I received from XXXX XXXX an Explanation of Benefits via USPS, stating the Claim # referenced as XXXX Amount billed was {$370.00}, and what I owe was a {$0.00} balance. In XXXX XXXX when I pulled my credit I find XXXX Hospital never followed through for payment from XXXX and sent my bill to collections. Which impaired my credit by falsly sending me to a credit collection agency, Which I paid XXXX/XXXX/XXXX. Since then XXXX Hospital resent the electronic filing back and now XXXX is denying paying the claim they never paid. In which I have documentation they were paying under my insurance plan. Now XXXX Hospital has basically dumped this on me stating it is my issue to resolve. If they had processed and followed up with the insurance company and had done their job, there would not be this complaint. I am getting the run around with XXXX XXXX to pay the claim as well.
i have been working with Hamp services, to save to my home, i qualify for home principal reduction program, i sent my payments on time, the bank was in agreement, but then turn around and put a sale date on my home, i filed a ch XXXX on XXXX at XXXX same day of sale date which was at XXXX, i called the bank lawyer to let them know and also fax the bk case number, the bank received my paperwork on XXXX they answer the orginal complant that was filed with you, but instead of answer the complint to you, i recieved it the answer of the complanit the day before the sale date, i wasnt notifed of sale at all, the bank lawyer was not returning phone calls and was avoiding to back out the sale of home, they have been putting be on there force insurance, then i recieved a letter from another lawyer that class action suit because wells fargo was getting kick backs putting home owner on there lpi, i also dont understand, wells fargo has to follow investor guideline, when i thought they have follow hud guidline not investor guidelines,, not to mention my credit has been forced to be ruined because, the bank continues to not give a modifation, i meet the guidelines, and XXXX was never my investor at the beginning, up until recently my mortage note was under supeior mortage, so there for the foreclouser wasnt done the rightway, and wells fargo told me if i want a modicaftion i would have not pay my mortage, and beside my hardship i qualify for modifcation, and i want the bank to review my paperwork and my finainal have changed for the better, i am XXXX my XXXX they have caused me to get sicker and alot XXXX,, all my XXXX, i found out my taxes havent been paid for a year and i can fax you the proof,, when the bank came into agreement with home program i have sent in XXXX tht there holding,, the bank to not act ethical and accomdate a XXXX women, according to my doctors i could very well have another XXXX due to the over wheliming stress.which i can provide proof of my condtion, this isues with the house please reslove it, i also have a son that on a XXXX at home, and me being stressed around, thank youXXXX XXXX XXXX XXXX XXXX fl XXXX
I have a private loans through Navient that I have n't made any room on the past 6 years. I originally took out XXXX and I currently owe XXXX. I have paid over XXXX on my loans and XXXX has gone towards interest. I am currently paying XXXX % of my salary. I feel like my loans were built up from the original amount and I do n't know why. I had a few of my loans change interest rates from 7 % to 13 %. I am very confused on what is going on. I have contact them about consolidation but was told over the phone that I ca n't do this will private loans. I offered to pay a settlement of XXXX and they refused to speak with me about this. I was told they will find a way to get the remaining back from me. I tried to contact the CEO about this but nothing back from them. I feel like at the age of XXXX when I took out these loans I was taken advantage of and now I am stuck.
Husband XXXX and I, now XXXX, are in business together. We XXXX. for 30 yrs. and XXXX. Husband gets diagnosed XXXX at age XXXX, wife takes over total running of business to keep our income. Cost of hubbies XXXX XXXX $ XXXX/mo. or $ XXXX/year and going up appx. $ XXXX/mo. or {$3600.00} in annual increase. We have no long term care insurance. Wife rekonizes income shortgage and applies to re-finance XXXX. to get lower fixed interest rate, 4.375 % quoted at time of application to replace 10 year arm mortgage with {$1400.00} to principal and {$980.00} to interest each mo. Loan size is {$400000.00}. I submit documents : Signed application, Power of attorney, trusts, XXXX XXXX account, all insurances, copy of mortgage statement, copy of rental agreements, rents received, other sources of income, 3 months of checkbook activity, they run my credit score, they report XXXX. Building is appraised at {>= $1,000,000} by their appraiser. They are now dragging their feet, telling me they have to study my many documents. They gave me a lock, expiring XX/XX/2017. I now fear they will deny my application due to age XXXX and hubby with XXXX. Do I have any rights at all. Currently I am struggling with high cost of XXXX XXXX. XXXX. I became very sick myself in the 5 years of XXXX prior to putting him in his XXXX. I must however continue working, and keeping the business going. Thank you for allowing me to voice my problem.
I went to XXXX XXXX in XXXX New Mexico from XX/XX/XXXX - XX/XX/XXXX. While I was there I earned degrees in XXXX, and my XXXX. XXXX a year I would go in and sign paperwork for my upcoming loans. Never was I given information regarding the interest on the loans, or how much my monthly payments would be. By the time I finished school I had over {$100000.00} in student loan debt principal and another ~ {$50000.00} in interest. Now I pay so much money I ca n't buy a car or a house.
Last XX/XX/2017 hurricane Irma hit Florida and the entire state was declared a disaster. A mortgage forebearance program was offered in which allowed you to not make your monthly mortgage payments and to my understanding the accrued payments and interest would simply be added on to the mortgage at the end of the forebearance period then I would resume making my monthly payments of XXXX. However PennyMac wanted a lump sum payment for all of it. What possible help would this program be to anyone? PennyMac then began foreclosure proceedings and informed me that I was responsible for all the charges involved with this if I wanted to keep my house. I negotiated a payment with them for around {$4500.00} to avoid them taking my house. I made a payment to them now starting in XXXX for my normal payment of {$360.00} hoping to continue with my normal monthly payments for the 26 years left on the note. PennyMac loan services called me Monday night and said I qualified for the modification program and my new payment would be {$330.00} but now mine would be a 40 mortgage loan. I am a XXXX XXXX and both these instances see like predatory lending to me.
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
I have file this report because I'd like to clear my good name.
For the Suburban Corporation Miss billing issue I was charged and probably should have went through XXXX online collections XXXX this issue was resolved company agreed to remove from report already from XXXX still showing on XXXX and XXXX
I checked my Transunion credit report and noticed there was XXXX hard inquiries. I did contact Transunion and they advised me to reach out to the creditors for a letter of deletions. None of the inquiries did I authorize. I called several of the creditors and they explained that they get most of the information and authorization off line and my name, social security number and date of birth were used. So they did not grant any deletion letters. I wrote a few creditors and have yet to receive a response. I again contacted Transunion to open and do a through investigation because I believe some of my personal information was compromised. They are still refusing to do so and these XXXX inquiries have really impacted my score. After speaking with 3 supervisors XXXX XXXX, XXXX. and XXXX my concerns have yet to be addressed. I feel as a consumer I should not have to go through all these loopholes when there has been so many breaches and so much compromising of personal information. I have add since added a fraud alert to my accounts and I also so monitoring of my accounts. Transunion need to come up with a consumer sufficient process when people have concerns about their report. I am truly dissatisfied with the lack of empathy that Transunion offer to their consumers.
On XXXX XXXX, XXXX I discussed with my dentist future orthodontic work that would be needed, and expected that he would prepare an itemized plan for this work, so that I could consult with the dental insurance carried by both myself and my husband, develop a plan of treatment, and work at the insurance coverages, other expenses and a payment strategy before beginning or authorizing treatment. 
Today, XXXX XXXX, I received a bill from CareCredit/Synchrony Bank for {$420.00} due XXXX/XXXX/XXXX with a charge balance of {$10000.00}, that lists a transaction date of XXXX/XXXX/XXXX. This account was opened fraudulently, I never authorized it, and the charge is likewise fraudulent - it is for work that I have not even agreed to, much less have been performed. 
I see that CareCredit/Synchrony Bank was fined {$34.00} XXXX in XXXX for abusive/fraudulent lending practices with unethical doctors and dentists, and it appears that they are still in the medical scam game. 
We are making no payment on this account, as it may be construed as acknowledging its legitimacy, so I am concerned about Synchrony Bank entering false derogatory information in my credit file as a consequence. Thus quick resolution of this fraud is essential.
Multiple unauthorized transactions over the Internet withdrew all my money from my Bluebird AMEX account on the same day my direct deposit from work went in my account. The transactions were from XXXX countries and I discovered them on the same day that they occurred and notified my bank while all of them were still on " hold ''. The bank said no action could be taken till the transactions were processed and now that XXXX of them Total ( {$990.00} ) have gone thru and the bank still has not updated me on when I will get my money back. Meanwhile there are at least XXXX more pending transactions putting my account in as overdrawn by $ XXXX and I have no money to live on.
In XX/XX/2018 I submitted a dispute to Experian, XXXX and XXXX regarding a credit card that was not mine ( XXXX XXXX XXXX  ). XXXX XXXX XXXX in turn sent me paper work to declare the credit card was not mine. I signed the letter in dispute of the credit card that I indeed did apply for a XXXX XXXX Credit card but I never received the card in the mail and had no idea I was even approved. XXXX XXXX then sent me correspondence that they sent the credit card to my address and that validated that the card was mine. The credit card is mine but I never received the card due to possible mail delivery error which has happened in the past. I did not use this credit card nor do I owe XXXX XXXX XXXX any money. This account is showing negative on my credit report.
A gentlemen named XXXX XXXX of XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, PA XXXX has called repeatedly trying to collect a debt from someone I have never heard of named " XXXX something ''. I was polite the first few times as we told my number would be removed but they continue call from morning until night.
I ave had continuous problems with Equifax that are unbelievable. 

I can not submit disputes online because they do not have accurate personal information for me on file. Disputing by mail takes significantly longer, and all my disputes come back with INCORRECT information. XXXX and XXXX  are correctly reporting these accounts. I have no idea where Equifax is getting their information. I submitted disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received a notice today that my dispute results were ready. When I tried to view them I could not get them pulled up because the website will not accept my address. I finally obtained them by accessing my credit report through a third party. The updates were with information that was even more out dated than the original dispute. 

I contacted equifax twice on XX/XX/XXXX. The first associate kept telling me I dont have an equifax credit report. The second associate told me all she could do is file disputes again and that would take 30 days. I have waited long enough for this company to get it right. I should not have to go wait another month. The f you can not report courage information then you should not be in the credit reporting business. 



The following accounts are not reported correctly. 

XXXX XXXX XXXX XXXX XXXX Account is closed Balance is {$0.00} Equifax is reporting balance of over {$1100.00} XXXX XXXX Account is closed, payments have NEVER been late. The balance is {$0.00} Equifax is reporting a balance Over {$2000.00} XXXX XXXX XXXX This account balance is {$240.00} Equifax is reporting over {$500.00} XXXX XXXX This account is closed with a {$0.00} balance Equifax s reporting open collection with balance over {$300.00} XXXX XXXX XXXX This account is closed with a {$0.00} balance Equifax is reporting open collection with balance of {$390.00} The following hard inquiries were not performed by me and should be removed IMMEDIATELY. I have placed a freeze on my account and expect that Equifax will not furnish my credit information to any one else without my authorization : XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  It is the duty of equifax to uphold the highest standards for accuracy and verification when reporting information that has a financial impact on a person. Due to the negligence and lack of diligence on the part of Equifax, I have spent countless hours calling representatives, filling out disputes, and filing complaints just to get them to do their job properly. This is having a devastating impact on my Financial health and my ability to provide for my family.
I feel that I am the victim of predatory lending. The school that I attended was fraudulent, and it is now closed. The school was not even accredited. I received almost {$48000.00} in private loans from XXXX XXXX to attend the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Florida. My loans accrued interest while I was in school at a high interest rate. However, upon graduation when I was unable to find a job in my field I put my loans in deferment for 24 months. During that time each payment that I deferred was added to the principal of the loan, and interest was then added to that amount. I was also charged a fee to put my loans into deferment. Since I have been making payments on my loans to Navient all of the money has gone toward interest and fees. For example, in 2014 I paid Navient {$7000.00} in interest. I was told by a representative at Navient that when my loans are finally paid off in 30 years I will have paid over {$150000.00}. The {$150000.00} does not include any fees. I feel like it will be impossible for me to repay my private student loans.