WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015 my brother in-law purchased a XXXX Lincoln MKX vehicle from XXXX XXXX XXXX XXXX in XXXX XXXX, OH. On XXXX, he passed away. 
When his children arrived, for his funeral, they asked family members if anyone were interested in transferring the vehicle account number XXXX into their name and take over the monthly payments? Since they XXXX lived out of town, and had to dispose of his property? I decided, and agreed, being a retiree from XXXX XXXX XXXX, to transfer the vehicle into my name. My niece sent the death notice to Lincoln XXXX Financial Service and stated to them that I was interested in transferring the vehicle into my name. Since this was a new vehicle and was purchased two months prior to my brother-in-law 's demise it held a lot of sentimental value by keeping it in the family. 
After receiving the transfer application paperwork from Lincoln XXXX on XXXX/XXXX/2015, I filled it out and fax the application to them on XXXX/XXXX/2015. I was told by a representative of Lincoln XXXX, to call in a couple of days for a status check and was told the application was approved. With a credit score of XXXX plus, I just knew that this was n't going to take no more than XXXX days to process the transfer of equity/ lease paperwork. I immediately started looking for a buyer for my vehicle and found a person who was interested in purchasing it for a set amount that we XXXX agreed upon. 
I would like to know why it has taken four months for this process, and the title transfer still was not completed? I strongly feel that this is a case of age discrimination since I was XXXX XXXX XXXX when this process started. I kept asking the people at Lincoln XXXX, why was it taken so long to get this paperwork done, and never received any type of rational answer? I wrote a letter to the top Executives of XXXX XXXX XXXX, and all the letters seem to go to this XXXX XXXX Analyst for Lincoln XXXX who wrote me back and stated that the matter was being looked into but never given me any solid information on what they were going to do to rectify this situation so that this does n't happen to anyone else. I would like to know what are they going to do about getting this done in a timelier manner?
Investment Retrievers states that they will " recommence attempts to collect '' on a debt that has been disputed previously ; the letter states " attached is verification of debt '' but no attachment is present, i.e. they have no actual information other than my name and some bogus account number. 

Regardless of what information they may or may not have, they were previously informed that this debt is time-bared based on the date of first delinquency of the original creditor of the linked account # reported on my credit ( XX/XX/2010 ) and my state of residency ( NV, 6 year statute ) and told not to contact me further per the FDCPA. Despite the information on my credit report, I continue to assert that the debt is not mine. 

Specifically I am invoking 805. Communication in connection with debt collection - " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ... '' ( with specific exceptions ).
My Siblings and Parents Companies have ' XXXX XXXX Dollars with XXXX XXXX XXXX which, In turn Pays an XXXX Representative that ' works in 'poor ' decision making.. As, I Could not. understand the Continued Fees I pay to the Credit Bureau, Bank , Creditor and Insurance Company in a Continuing Identity Theft, Fraud, and Scamming. Potentially, the Personal Theft in a Made Cause could be. Hundreds of Thousands of Dollars amongst ' all the Credit Bureaus. ( XX/XX/XXXX - XX/XX/XXXX) ( XX/XX/XXXX - XX/XX/XXXX) XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
JC Penny is sever ely affecting my credit worthiness by having inaccurate late payments on my credit report. The months that are being reported late is  XXXX   2017 ,  XXXX   2017 ,  XXXX   2017 ,  XXXX   2017  and  XXXX   2017 . I contacte d JCP t o see why when I send a payment it was being refunded to me. I was told I had  XXXX  accounts with them which  XXXX  was a closed account.  XXXX  was applying the payments I sent to my closed account instead of my open account. I have called several time on this matter and nothing has been done.
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing  reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
I attended the XXXX XXXX XXXX XXXX in XXXX, California. The school itself, I am looking into suing, because they, like Sallie Mae, pushed for me to take out a very large private loan for over {$40000.00} and a smaller federal loan ( for living expenses, etc ) for around {$15000.00}. Needless to say, no amount of money I would 've made leaving with an associate of arts degree could 've paid off those loans. I was told it would be no problem once I graduated, and since I come from a lower middle class family, furthering my education was a priority for a better life. Instead, 10 years later, my loan is in default, they seize my tax returns and I have XXXX children ages XXXX and XXXX who ask why we cant get a house or fix our car when it breaks. I actually had XXXX of their debt collectors say to me, " you shouldve thought of that before you had children. '' They called my home and family relentlessly for years! I had a job from XX/XX/XXXX-XX/XX/XXXX where my boss had to have several " talks '' with me becuase she asked them to stop calling my place of employment and they wouldnt. I believe she was looking into contacting the XXXX or something of that nature, but she never followed through. I would like to note that I am an excellent XXXX. Any boss or co-worker I have ever had would back that up, so the problem leaving was not my skill, but rather the impossibility of repaying a loan of that amount. Its insane when I think back on it. I wish I could go back in time and stop myself from signing, and allowing my mother to co-sign, I would tell myself, " this is going to ruin your life! You will never be able to buy a home or new car. You will always be in debt, forever and ever. The XXXX will cause you XXXX and XXXX. You will never get out! '' I have felt hopeless because of this, but coming onto this website I am feeling a little better right now. I am feeling like theres a chance to get my life back, I feel like maybe there is strength in numbers and I am both glad and extremely sad to see that so many others are in my boat. So let 's plug it up before it sinks! I am hoping you can help. Thanks.
Equifax Information Services has been reporting negative inaccurate information in my credit file. I 've been disputing with this company for over 2 years to get this information removed and they refuse. 
The XXXX accounts have me listed as an authorized user which I never authorized anyone to add me to their account. I have been a victim of identity theft which I have sent them copies of XXXX police reports and nothing has been done. They stated that the company ( XXXX XXXX XXXX XXXX ) verified that it belongs to me which in the report clearly states AUTHORIZED USER so how am I being held responsible/liable for someone else 's debt. Under the Fair Credit Reporting Act, if the debt ca n't be verified within 30 days, then it must be removed. The letters they have sent to me claim to have 'verified ' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is not sufficient verification for identity theft. Of course, the information matches up. Someone clearly used my information without my authorization. Now I will be suing Equifax as well as XXXX XXXX XXXX XXXX for causing me damages such as denial of credit and increased insurance premiums. I have provided more than sufficient evidence to get these false accounts removed. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against Equifax and XXXX XXXX XXXX XXXX for violation of the Fair Credit Reporting Act and Defamation. 
This is my last resort and I 'm seeking monetary relief for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX CU Account # XXXX
I have a PayPal Credit Card. It has always been set up on automatic payments. This month, I just happened to pull up my statement and noticed it was past due and I was being charged a {$25.00} late fee. I contacted PayPal Credit customer service and was advised that automatic payments are only set up for a year and will drop after that time period. They advised that my auto payments must then be set up again. At no time was I ever notified that my credit card auto payment had been discontinued. Nor was this plainly stated at the time that I set it up on auto-pay. I feel very strongly that this is a deceptive practice and an attempt to get more money out of consumers. This is just wrong on so many levels and I wish to file an official complaint.
Payment made on XX/XX/XXXX from XXXX Checking account XXXX XXXX calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. XXXX XXXX representative advises me to file a dispute with XXXX Filed Online Banking Dispute with XXXX bill payment XX/XX/XXXX XXXX reaches out to XXXX XXXX XX/XX/XXXX ( Biller will not speak to XXXX without Subscriber ) XXXX XXXX stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XX/XX/XXXX called XXXX XXXX with me, XXXX & XXXX Online banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called XXXX XXXX on XX/XX/XXXX @ XXXX 71 minutes transferred multiple times stated payment would be applied to mortgage XX/XX/XXXX payment made with XXXX check at XXXX XXXX location XX/XX/XXXX XXXX XXXX XXXX NY Male from XXXX XXXX ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my XXXX XXXX mortgage is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call XXXX XXXX directly to rectify. The same day, I called back XXXX XXXX and spoke to customer service representative XXXX XXXX & XXXX on the phone 43 minutes being transferred back and forward Payment directly debt from XXXX account # around the same time ( will show on past XXXX statement ) XXXX was able to get XXXX XXXX XXXX on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX XXXX stating that they will be mailing out a paper check for the balance that should have been applied to the XXXX XXXX XXXX. Paper check was dated XX/XX/XXXX ( see attached ). Received check from XXXX for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/XXXX
I have been having problems with Barclay Bank for more than three weeks with no resolution. Various reps tell me a different story every time I call. This issue involved a point redemption using their rewards program. In my opinion my problem may affect many other cardholders who may or may not be reporting these issues. I attempted to redeem XXXX points to my credit card statement many weeks ago. This would give me a credit of {$3200.00} against Travel related charges with XXXX XXXX. Due to some sort of technical issue on the Barclay website this did not go through. I called XXXX case # XXXX. Phone reps from Barclay have been deceptive in giving me incorrect information, making different statements to me every time I call.
Bank of America is reporting to the credit bureaus that I have been late with my payment for more than 90 days and late 15 times. All of this reporting is false.I purchase the house in XX/XX/2017 from XXXX XXXX XXXX for {$130000.00}. I took out a loan from XXXX XXXX to make the payment. I have been paying XXXX XXXX {$1700.00} every month since then. Bank of America is saying they still own the home and that I should continue to pay them monthly. I have a Title and Deed of Trust from XXXX XXXX XXXX stating that I own the home and XXXX XXXX is the lienholder on the house. Meanwhile, Bank of America continues to report to the credit bureaus that I owe them on their mortgage and they are destroying my credit rating. I am trying to purchase a new home for my family and I am not able to because of the late reports on my credit from Bank of America. I make my payments to XXXX XXXX every month and I have never been late. 
I have a case number with Bank of America Case # XXXX. I have been dealing with a person named XXXX and XXXX. Neither one is forthcoming to help or get this resolved. 
Regards, XXXX XXXX
THE LOAN CALCULATIONS DO NOT ADD UP AMOUNT FINANCED {$180000.00} FINANCE CHARGE {$130000.00} TOTAL PAYMENTS {$320000.00} ANNUAL PERCENTAGE RATE 4.389 % TOTAL INTEREST PERCENTAGE 59.192 % IM WRITING ON XXXX/XXXX/2016 IM SUPPOSED TO CLOSE ON XXXX/XXXX/2016 PLEASE HELP ME THANKS
On XXXX/XXXX/2016 *** 2nd requested *** dear ICFPB and could you tell the BOA CEO XXXX XXXX XXXX about my story too plx here we go so I visited Bank of America web at : bankofamerica.com site trying to open a checking account bank of america still has chose to neglected to honor my request, It appear that Bank of America has decided to discriminate me after all I paid them off in full! see the letter and yet a letter stated that they will have someone in land o lakes fl office contact me and discuss what product they could help me with, I never bother or gotten any letter or phone call by BOA local or BOA corp.all I got was a rude representative email me to call her and she stated she ca n't help me and she stated Bank of America has rights not to give me a reason why can they help me to open up a new checking account / once again even I have paid them off in full. Poor service with secrets by BOA I want the XXXX XXXX XXXX XXXX to read this 2nd complaints against his company Bank of America what a joke!!!
I refinanced  Parent Plus L oans that I took out for my children 's college education. I came into really hard financial times and had could n't make the payments. I went through a third party company, FedLoan Help. I have had payments of {$91.00} drafted out of my account for a year and none of them have gone towards my Parent Plus Loans with FedLoan. This began on  XXXX  and the last draft was on  XXXX .     FedLoan Help said, via an e-mail, that I have been approved for a refund but now they do not have the funds. I feel now that I 've been scammed.     I have included e-mailed correspondence with FedLoan Help. I 've tried and tried to upload my bank statements showing the drafts. I ca n't get it to work.  May I  fax them to you somehow or mail them?     Thank you!     Please help!
On  XXXX   XXXX ,  XXXX , I contacted Monterey Collections at  XXXX  in response to a debt collection notice dated  XXXX   XXXX ,  XXXX , from  Monterey  Collections for their  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Account No.  XXXX , in the amount of {$1200.00}. The original amount of the debt to  XXXX  was {$1100.00} from  XXXX   XXXX ,  XXXX , and payments were made to  XXXX  through their website between  XXXX   XXXX  and  XXXX  of  XXXX  until the amount was paid off.     The collection agent I spoke with was extremely rude to me and refused to let me speak or even finish a sentence. When I told him that I was disputing the debt, and that the original amount of the debt was less than the collection notice, not to mention all the payments, he said that I would have to provide proof of payment to  XXXX , rather than him requesting same from the company.     I also told him that the collection notice had an incorrect name for me, and he said it did n't matter. Throughout the conversation, he bullied me, would n't let me speak, talked over me, was harassing and ruder than anyone I have ever dealt with over the phone and caused me to be extremely anxious and in emotional distress.     He refused to let me talk about the facts or numbers in question and kept saying that he would have to get a copy of the original agreement. Collection agencies should have proof that a debt is actually owed before they start harassing citizens. Also, when a consumer disputes a debt, there should be a professional response from the collection agency, not bullying, condescension, etc.
Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX/XXXX CHXXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy XXXX/XXXX  CHXXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
XXXX XXXX sent me a letter this past week stating they reviewed my account that I was disputing a late payment that was reporting on my credit report for XX/XX/XXXX. The letter states that they will fix it with the credit reporting agencys to update my credit reports and put this account as accounts that are satisfactory with no late payments. I wish to note I have 2 XXXX XXXX  credit cards. I am disputing the account that was opened in XX/XX/XXXX with a {$500.00} credit limit not my other XXXX  XXXX account. I received my experian credit report today and the 30 day late payment is still reporting it was supposed to be removed according to the letter from XXXX XXXX.
Dear XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2018. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
I suffer from XXXX and XXXX. In 2011, I visited a car dealership with my wife just to window shop because I did n't have a down payment. Soon the sales rep led me in the financing officer 's office and offered me something that has now totally destroyed my credit. They suggested that I write them XXXX post dated checks and that they were going to lie and tell the finance company that I maded a {$1500.00} down payment. Having problems making good on the post dated checks, I had to take out multiple pay day loans in order to pay the car dealership. I still owe those loans XXXX years later. I told the loan company about my problem but they refused to help me.
M  y Walmart mastercard credit card was stolen and used to for fraudulent transactions on   XXXX   XXXX  , 2017.
I filed and provided a police report the following week.
The account was closed and new one was open.
All the transactions were then accrued into a single amount a carried over into the new account for {$1300.00}.
The investigation was concluded and I was told by mail that the amount was going to be dropped.
I received a statement with the original amount plus interest.
I called Walmart credit services for over 2 hours with no solution. They basically told me the account number was not found by them to process the write-off.
It 's now showing up in my credit report and harming it.
Capital One has not updated information to XXXX and XXXX with my accounts. I received a letter stating this would occur but, it has not.
Idaho Housing Agency is reporting FORECLOSURE STARTED and paid foreclosure on credit but it was never a foreclosure. I need this fixed asap.
A Judgment was issued against me and garnishment occurred to satisfy the debt. 
Once the debt was fully satisfied, US Collections West continued to garnish my wages resulting in an over payment of the account. 
They refuse to return the over payment to me or credit it to the secondary account I have with them. 
Original judgement was {$1800.00}, they claimed interest of {$19.00} for a total due balance of {$1800.00}, they garnished a total of {$2200.00} resulting in credit of {$370.00} owed back to me. 
Please see attached original judgment amount, payment statements issued by the court outlining balance and interest due, and payoff letter from court.
I sent a letter stating that I wanted to validate the debt they then turned around and stated it was a payment agreement in no way was it an agreement and payment plan like they stated. I asked for information to let me know what the debt is to give me time o validate. At this point they are making false statements. I do. It have a contract with any third party billing as well. Not one. Taking my documents to ask for validation is not a legal or even ethical statement or payment plan. At this point I will be contacting a lawyer. They are intentionally misrepresenting and making false statements.
Sent two requests to validate collecting debt no response was received and XXXX and XXXX will still not remove item after proof of non-compliance was provided.