WillisBack/dataset-financial-user-claim huggingface dataset:
In brief, my deferment status for federal loans was wrongly changed and my loans were then due. Over the phone, XXXX assured me that this was resolved and the loan status was returned to deferment. With this false assurance, I let the payment due date pass by and XXXX is reporting me to all nationwide consumer reporting agencies. XXXX has been unresponsive to written requests and in a recent call, provided no assurance that credit reporting would cease. Below are relevant dates and actions. 

I have been enrolled in school - year-round, full-time - since XX/XX/XXXX. As of XX/XX/XXXX, I completed my coursework, yet am now still enrolled for enough supervision hours to be considered full-time. 

On XX/XX/XXXX, I received an email from XXXX stating that my school had notified XXXX that I was enrolled. 

On XX/XX/XXXX, I received an email from XXXX informing me that my loan repayment was to begin on XX/XX/XXXX. 

On XX/XX/XXXX, I called XXXX to inquire why I was being billed even though my enrollment status had not changed. At the conclusion of the call, I was assured that the status of my loans were all going to be in deferment status and that no further action was required on my part. 

On XX/XX/XXXX, I received an email from XXXX informing me that my payment was past due. 

On three occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I contacted XXXX through their website form, which does not allow me to retain a record of the emails sent. However, I can paraphrase my request to XXXX : resume deferment status and cease credit reporting. 

On XX/XX/XXXX, I called XXXX. I was told to apply for deferment, a process which will be extended past the next loan repayment due date on account of the school registrar office being out for holidays. Additionally, there was no resolution regarding the credit reporting activities. 

To add insult to injury, I received an email informing me that my phone call had resolved the concerns stated in my emails and that my account status would be reported to each nationwide consumer reporting agency.
Apparently Aargon " bought '' this in XX/XX/XXXX per my credit report. 

I do not recall seeing any notification from them and definitely did not speak to them about any issue or claim. My first knowledge of them was seeing a debt collection on my credit report, which was reported in XX/XX/XXXX. 

The prior collection agency never provided me any correspondence after I asked them to verify the debt as it is not valid well over a year ago. The file should have been closed. 

I believe Aargon consciously and unscrupulous violated the Fair Credit Reporting Act by not giving notice ( as they know from the file the debt is not validated ) and reported to the credit bureaus.
Over the past several years, I have sent numerous letters to Central Financial Control in XXXX, XXXX requesting evidence of an unsubstantiated collection they placed on my Experian credit report. 

Central Financial Control has ignored every letter I have sent them. Although they have ignored my letters, they had no problem verifying the unsubstantiated collection when I have disputed the account with XXXX. 

I have reached out to the CFPB in the past. On XX/XX/XXXX, my story about Central Financial Control was published on the CFPB website and I see that it is still listed on your XXXX XXXX article. I was notified XX/XX/XXXX that the CFPB had taken action against Central Financial Control for failing to send debt validation notices and for failing to respond to consumer disputes. I was told that consumers who have been mistreated by Central Financial Control would be identified per the order by the CFPB. I was also by the CFPB that I would finally receive a response to the many letters that I have sent over the years. This has not happened and it 's been over a year now since the CFPB took action against Central Financial Control. 

I sent my letters via certified mail so I have proof they were received. I can provide the CFPB with all the documentation I have kept which includes certified letter receipts, credit report disputes with XXXX and proof that Central Financial Control verified with XXXX while never responding to me. Because this has gone on so long now, I have filed complaints with the FTC, and the Attorney General of XXXX and XXXX. 

Using credit reporting as a tool to collect an unverified debt is very unfair treatment. Nobody should have to find out that they have been accused of owing an alleged debt by finding it on their credit reports. It 's so embarrassing because I pride myself on paying all of my bills in a timely manner. Other than Central Financial Control, my XXXX credit report is perfect. 

Put yourself in my position for one second and think about how you would feel if you had spent your entire life working hard and paying your debts and then reviewing your credit report and finding out that you are being accused of owing a debt that you were never notified of. It is a horrible feeling that I can not properly describe. I feel that I have been more than patient. My prayer is that this horrible situation can be handled in a quick and civil manner.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing furture information until further notice including the XXXX . Report and other furnished Lexis Nexis inquires regarding all personal information. 


My information is below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Ohio XXXX Birthdate : XX/XX/XXXX Social Security:XXXX
I have submitted a dispute with Experian for reporting a Public Record Bankruptcy on my credit report and have nothing has been done to rectify the situation. I have also complained and disputed a substantial number of inquiries that do not belong to me and as of XX/XX/XXXX, and still no attempt has been made to rectify that situation either. Per their representative I need to contact the creditors and request they remove the information. I have in writing and verbal per FCRA disputed the public record and inquires that are greatly affecting me especially with my job and I was informed they will not do any such thing. I also requested proof of verification of said public record which per Experian Representative was verified, and still have not gotten said verification. When I have contacted, Experian concerning my disputes I am asked to wait 30 days continuously. I sent certified dispute letters to Experian dated XX/XX/XXXX and XXXX, and XXXX and still nothing has been done to rectify the issues that I have experienced at the hands of this credit reporting agency. They are also reporting XXXX late accounts that was not there in the past and is reporting inaccurately. 

XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Specialty Clothing Store XXXX XX/XX/XXXX XX/XX/XXXX Specialty Clothing XXXX XX/XX/XXXX XX/XX/XXXX Specialty Clothing XXXX XX/XX/XXXX XX/XX/XXXX Retail, Not Elsewhere XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company
I received a letter a week ago from a debt collecting company ( Dynamic Recovery Solutions ) declaring a debt verification for the amount of {$11000.00} that I have to respond within 30 days from the date of the letter before they decide to make it a valid debt. The date of the letter was made on XXXX XXXX, XXXX ( 30 days makes it by XXXX XXXX, XXXX ) and it stipulated that the date of the account of the debt was from XXXX XXXX, XXXX. Before and after receiving this letter, I did not receive any calls nor any other letter from this company or companies regarding this matter. I called office number that they provided in the letter and requested to speak with a representative that speaks XXXX because my English is not that great. When I was transferred, the call gets immediately sent to voicemail and it also said that it was full so I am unable to leave a message. I had my son try to speak with them in English but they wanted me to speak with them directly which causes a problem because I have trouble understanding. They did not leave enough time for me to defend or to make a claim. I know this debt is false because recently, I had a credit report done on XXXX XXXX, XXXX and while looking through my past information, I have no information from this company nor from any debt collecting agency that is tied to the account from which they are trying to collect from.
This morning I received an e-mail from PayPal Credit regarding my " account ''. As I have NEVER opened an account with PayPal Credit, nor have I ever applied for a PayPal Credit account, I thought the e-mail was a fraud. I logged into my PayPal Account, which has been active for several years, and discovered I had a PayPal Credit account with charges and a credit line of {$2500.00}. I saw charges on the account that I had recently made, but I had no idea how they ended up in PayPal Credit. I called PayPal and was told that I had clicked on " PayPal Credit '' when I made my purchase. I told them that I had never applied for credit, and that these charges were to online businesses that I had used regularly over the years and that my PayPal account was set up through my debit card and linked to my checking account so that charges would come directly out of my credit account. The employees ( I spoke with XXXX of the customer no-service reps ) insisted that I had clicked on PayPal Credit at the time of my purchase. If that 's true -- and I maintain that it is not -- and since I 've never applied for credit with PayPal -- then how was I able to run a charge through a credit account??? This must be some kind of scam that PayPal is running to trick people into using PayPal credit. ( 1 ) No one should be able to click on credit and receive credit unless they have applied for credit with PayPal -- that 's a no brainer!!! ( 2 ) PayPal will not remove the account from the credit agencies -- they require me to fill out a form because they insist that I clicked on " pay with PayPal credit ''. I 'm working hard to clean up my credit to apply for a new loan, and this PayPal account is going to set me back 30 days until that balance clears off the credit report. This infuriates me!!! 
PayPal should not be permitted to sign its customers up automatically for PayPal Credit unless they have specifically asked for credit and filled out a credit application. In my entire adult life ( I will be XXXX this year ), I have never been given any kind of credit unless I asked for it and filled out a credit application. How can PayPal be allowed to get away with this scam? I 've been using PayPal for years. If they 've done something to their check out process to make PayPal Credit the default, then this should not be allowed. PayPal Credit should be a prompt and a confirmation that PayPal Credit was the choice the consumer wanted. I believe this who PayPal Credit is a big scam. 
I have closed my account with PayPal and will be changing my debit card number just to avoid any future scams from PayPal.
First of all this was a timeshare. I paid XXXX for 2yrs even paid off 1 property. But they were misleading and unfair on how I would be able to use the property and when I could have access. So, when I wanted out, they wouldn't let me out. And I agreed to pay a certain amount to keep my account current to keep them from filing late on my credit report. But, they took my money and didn't hold up to their end of the deal. 
Then when I tried to contact them, all discovered they had went out of business or been sold to XXXX XXXX XXXX and my accounts had been closed. 
For 2 years I hadn't seen or received anything from XXXX, Now in XX/XX/2018, two accounts appear on my Experian report as delinquent. I filed disputes with Experian to have them removed with no success. 
I feel I shouldn't be responsible to pay for a timeshare that had bad business practices and unfair consumer practices.
Hi my is name XXXX XXXX. I have some concerns with my servicer Select Portfolio Servicing. I have a scheduled foreclosure sale date on XX/XX/2018. Recently I have mailed in a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. SPS have received a complete Request for Mortgage Assistance packet and its under review. 

Im still just worried that they will play some game right before the sale and foreclosure on my home. They still have not cancelled or postponed the sale even though they have a complete loan modification packet and its still in underwriting review. This is a continuous game they play and always are putting me on the edge and fear that I will lose my home. Can they just cancel the sale and work with me. Give me a good loan modification with a principal reduction or something that I could afford monthly. 

However number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Select portfolio Servicing to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. 

California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Select portfolio Servicing and all other previous servicers and their Investors conduct was unlawful in that : They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the me because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications If they proceed with the sale they will be violating the California Homeowners Bill of Rights Act
XXXX IS UNLAWFULLY FURNISHING PUBLIC RECORD NO.XXXX ON MY EQUIFAX IN ERROR AND HAVE DISPUTED SINCE XX/XX/2018. SEE ATTACHED.
I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX - XXXX : I have never paid late
My husband & I along with my parents as co-signers purchased a home in XXXX XXXX in XXXX, XXXX. We went with an FHA loan through a mortgage company called XXXX , XXXX XXXX XXXX. XXXX XXXX got in a lot of federal trouble in mid XXXX and they went under, Bank of America took over our loan in XXXX XXXX. In XXXX XXXX I tried to refinance under an FHA Streamline loan with BoA and we were told we could not do this because we did not have an FHA loan. The BoA loan dept I was dealing with told me they would take care of it. After a few months I noticed that our loan was no longer listed as an FHA loan but it showed as a conventional 30 yr fixed rate mortgage. For months I was unable to pay my mortgage online and I was n't given any real reason why I could n't. After many phone calls with BoA our loan was changed back to an FHA loan & I was able to pay online. Then a few months later the loan was changed back to a conventional loan. I 've spoken with other mortgage companies and attorneys ( who are charging fees ) & we keep ending up with nothing resolved. I 've tried many times to talk to FHA and I either get transferred all over the place or get to someone 's VM. I 've tried to go to my local office that no longer exist and call my regional office with no call backs from them. Now our loan was sold in XXXX XXXX to a company in XXXX called XXXX XXXX. They are less than helpful and are totally clueless with no incentive to try and help me. 
This has left us in a position where we are unable to refinance under HARP ( since we are not backed by XXXX ) or an FHA Streamline ( since BoA changed our loan ). I need all partied involved to resolve this situation ASAP so we can move forward with a refinance before we lose the opportunity to use any of these gov't back programs.
On XX/XX/XXXX and several times before I sent in a certified mail # XXXX XXXX XXXX XXXX XXXX to XXXX , Letter to Equifax Certified Mail # XXXX XXXX XXXX XXXX XXXX request for correction to my credit report as it related to incorrect reporting on a XXXX XXXX Account, which was transferred to XXXX XXXX XX/XX/XXXX. <P/>XXXX XXXX finally corrected my credit file to reflect the Date of First Delinquency for that account to reflect XX/XX/XXXX. Per The Fair Credit Reporting Act Section 623 ( 5 ) ( a ) '' A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss or subjected to any similar action, shall not later than 90 days. '' My contention is per the attached information from XXXX : Delinquencies remain on the credit report for seven years, so the account will show the late payment and the charge off history for the seven years from the original delinquency date ( Date of First Delinquency ). The original delinquency date is the date of the first missed payment that led up to the charge off status. <P/>The original date that led to the charge off status was XX/XX/XXXX. Being that XXXX XXXX took well over the legal statutory reporting to report the charge off, I should not be penalized. Once XXXX XXXX was transferred the file, they should have reported the charge off by XX/XX/XXXX ( within the 7 year time frame ). <P/>The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. <P/>The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7.5 years from the date of first delinquency ( DOFD ). <P/>I believe XXXX/XXXX are guilty of re-aging my file, which is against the law. This item should have been purged. If XXXX XXXX had to internally charge off my account and they decide to do it in XX/XX/XXXX i should not be penalized with reporting of a debt from XX/XX/XXXX. A delay in XXXX internal business processes should penalize me and my family XXXX has not responded to my dispute as of XX/XX/XXXX. <P/>Please let me know if you can assist. <P/>Thank you, XXXX XXXX
On  XXXX    XXXX ,2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX  there was an individual inquiry on my credit report for a car loan that I did not authorize or approve of.
SouthWest Credit Systems, LP placed an account on my creit file without notifying me. I advised them in my previous dispute that their in violation of the early-warning notice clause of FACTA section 623 ( A ) ( XXXX ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. if the creditor or collection agency refuse to remove the incorrect information they are in violation of FACTA section 623 ( A ) ( 7 ).
I accumulated over XXXX miles on my barclaycard arrival card account. worth at least {$1100.00} if redeemed for travel related purchases. the Bank decided that giving 2.2 % on all purchases is to custy to them, so they closed my account and are refusing to give me my rewards.
i do not recognize the account " XXXX XXXX '' represented by Portfolio Recovery. Previous research indicates this charge was initiated in Florida. I believe this account belongs to someone bearing a similar name to me. I do not have knowledge pertaining to this account. I don't know if it is a credit card, a store card like XXXXXXXX XXXX or XXXX XXXX, or personal bank or revolving charge account. I've filed a complaint with XXXX  and it was removed by the credit reporting agency to my account. I filed a complaint with XXXX today. Discrepancies are date opened XX/XX/XXXX, date of last payment I never made XX/XX/XXXX. Date of first delinquency XX/XX/XXXX and date reported XX/XX/XXXX.
Chase abruptly closed my sapphire credit card account. A week or two earlier they had send me a mail request to up my credit limit which was approved.

I called them to ask why my card was being declined. They said the account was closed and they couldn't tell me anything more other than I would be receiving a letter in the mail in the next week.

In the meanwhile, my credit score has dropped 60 points overnight due to this account closure! I've done nothing wrong and I've attempted to address the situation with Chase but have been met with nothing but XXXX  bureaucratic responses.
We are in a XXXX XXXX XXXX designated area ( XXXX XXXX XXXX , FL vicinity ). 

We applied for and were granted a deferred minimum payment grace period on our Bank of America credit card ending in XXXX. 

We have not received any payment deferment as of today ( Sunday, XXXX XXXX, XXXX ). When we call Bank of America XXXX XXXX at XXXX the Bank of America representative is not able to help us resolve the issue for deferred minimum payment.
XX/XX/19 I contacted capital one about funds I deposited into this account that is now being held due to Capital one not being able to verify me. 

If CAPITAL ONE have all of these technologies to verify someone identities than they need to do so prior to allowing someone to get approved and allow them to submit money into the accounts just for them to hold people money is wrong. 

They stated they wanted me to contact the SSA to verify my ssn. They asked questions regarding me, they sent codes to my phone to verify me to still tell me Im not who I say I am and just hung up. 
I have XXXX thats is being held. I asked them to release my funds and close my account The continuous treatment this company display is horrible and due too that I no longer want to hold an account with this company I want them to release my funds immediately
LENDING CLUB CORP Account XXXX and XXXX XXXX XXXX XXXX Account XXXX ARE UNVERIFIED. 

XXXX has not provided proof of physical verification of the original signed consumer contract its has on file pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 
XXXX HAS NOT PROVIDED METHOD OF VERIFICATION