WillisBack/dataset-financial-user-claim huggingface dataset:
account XXXX I have yet to receive full Validation of Debt regarding this alleged debt. It is to my knowledge that this is not owed. My full request is incomplete below are the requests : 1. The agreement which authorizes the creditor to collect debt on the alleged debt 2. The signed agreement from the debtor conforming to pay the creditor 3. The documents regarding the payments made on this account validating the amount.

4. Documentation showing you are licensed to collect debts in Ohio. 

In addition, I was again threatened to have the police called on me. This is all because of an alleged debt that I do not feel I owe. I feel incredibly threatened by First Federal Credit Control. In addition, it was informed to the CFPB that I was confrontational, and called 7 times. Calling my confrontational is slanderous and a violation. The reason I called was due to the fact I was hung up on several times and my inquires were not answered. This is considered entrapment, intimidation and a clear violation. I request this is off my credit report - I ask First Federal Credit Control to cease and desist. In addition, I hope that this is rectified soon as I do plan on escalating these threats/ violations if not rectified timely.
XXXX XXXX XXXX is on my credit report as a collection from XXXX XXXX XXXX. XXXX XXXX seriously XXXX  up our services in the process of moving and failed to never get the product working correctly. I personally went to XXXX XXXX XXXX 'XXXX offices and returned the equipment and asked the lady at the front desk if there was anything else on the bill and she looked it up and said that there wasn't anything on the account and it was closed now. XXXX XXXX took over the phone number and got the issue fixed easily. Then after a while of being switched XXXX XXXX XXXX claimed that the contract was terminated and we owed a fee for cancelling early. I explained to the lady, who was very rude, that they failed to be able to provide adequate service, and actually the service was poor. At times we were receiving other business 's phone calls and other individuals were receiving our calls. She said that she showed in her tech 's log that it was resolved and I told her it wasn't. And she said she didn't believe me. Then she turned it over to XXXX XXXX   XXXX and I explained the ordeal to a lady that was assigned to this collection. She said she was just going to terminate the collection because she felt it was ridiculous. I had considered to file a claim with the XXXX but I would just prefer to let it go and know to never do business with XXXX  XXXX XXXX ever again. This is more of a principle of things on this collection as the woman at XXXX XXXX was really unprofessional and I let her know it and she let me know she didn't care. Pretty sad actually, because I used to have the place I worked at use them when they were XXXX, but I let them know to never use XXXX XXXX.
I recently financed a new vehicle and was aware of the companies that would pull my credit report. However there are multiple companies that have hard inquiries on my credit report without my authorization and refused to remove the inquires please see list below : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX XXXX XXXX   SANTANDER CONSUMER USA Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX   XXXX XXXX XXXX XXXX  
Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX There are multiple companies that have hard inquiries on my credit report without my authorization and refused to remove the inquires please see list below : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX
In XX/XX/XXXXI received a letter stating the bank was considering closing my account. I called the bank and spoke with a supervisor who assured me that as long as I use the card it wont close. I attempted to use the card today and was declined. I called the bank and spoke with a different supervisor who told me I was lying, I had never called the bank, And that he would not reopen my account.
I have contacted Equifax at least three time to let Equifax remove an unknown address starting at XXXX from my credit report. Each time the dispute status shows success, but I am still having the unknown address appeared in the latest credit report.
Repeated phone calls and leaves messages saying I am going to be sued if I do n't return call. Called them back today XXXX and XXXX XXXX said they will file suit for {$1200.00} dollars but they would settle for 30 % if paid today. I told him I wanted proof of the debt by mail in which he said he will not. He then started cussing me calling me profane names and said he would keep calling my place of employment and get me fired.
I paid of the account in full almost 2 years ago. However, the company constantly keeps reporting the account to the credit bureaus. In addition, the status constantly changes from closed to open. I have reached out to the company several times to remove the account, due to it being paid and full and inaccurate reporting. I am in the process of purchasing a home and ca n't have these errors on my report.
I requested my free annual credit report from Experian. I got a message saying, " A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Requestform. '' As this happened on repeated attempts over several days, I began to see a pattern. This is the third year that I have been unable to obtain my credit report on line from Experian. This has also happened to me with Equifax. The circumstances are the same. I believe the credit reporting companies are discouraging people from using the on line report service. They direct you to print a paper form and provide XXXX forms of paper Identification. Most people, I believe simply throw up their hands and give up when faced with the additional requirements. 

Please investigate this apparent abuse of the Free Credit Reporting Act.
I received a letter from NCB Collections attempting to collect a debt that I do not owe. I disputed the debt. They sent me a response letter with purported information that says I do owe the debt. However, as you will see, this application is not in my name ( not even the correct sex ), not my address, not anywhere close to me at all. In fact, NCB violated someone else 's privacy by sending me this information ( an XXXX XXXX to be exact ). Again, they did not verify the debt belongs to me, since what they sent me is for someone else entirely and they violated that person 's privacy by sending me their information. I am enclosing the dispute letter I sent to NCB along with their response and document.
A forbearance was process on my Private student loans serviced by Navient Inc for the XXXX 2015 to XXXX 2015 time period. Navient reported my student loans as 90 days past due as of XXXX 2015. I contacted the Executive Offices at Navient to update this reporting error and they refused. I 've attached a copy of the e-mail correspondence from the Navient representative which clearly states that a forbearance was processed on my account and therefore there is no way possible I could be 90 days past due in XXXX 2015. 
According to a recent FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( the identical situation I am currently in ). 
The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' Navient representatives told me that because the delinquent payments were accurately reported in XXXX of 2015 that any subsequently initiated deferments and or forbearances would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *
I am the victim of loan modification fraud. XXXX XXXX and ditech financial are XXXX me. They added {$16000.00} to my balance and forged documents.
Hello, I obtained a loan over 7 years ago from XXXX who sold the loan. Eventually it went to XXXX who have hired MRS Associates to collect on the debt. The balance has went from XXXX when the note was originally signed to XXXX. I am a mother of XXXX I work part time as XXXX working XXXX hours a week. They refuse to make a payment arrangement base on my income to assist with paying off the debt. Since the interest is so astronomical it will never be paid off.
Navient student loans are refusing to take factoring accounts on my credit report. I have sent numerous of certified letters to Navient to correct my " late '' status. Navient refused to verify or respond to any credit agency. I also closed my accounts with Navient. 

When I continued to send certified letters to Navient to prove my late status. Navient does n't respond to my request. I was sent a letter to prove to them. Navient is impacting my credit report and loss of opportunity. 

XXXX 2015 I called Navient dozens of time to correct to purchase a home. I also request a constant payment arrangement. Navient refused. This was the result of me losing to purchase a home and providing a great school district to my children. I have expressed to Navient the American dream was to complete college and provide a quality of life to my children. I 'm unable to this due to their incorrect reporting on my credit report
fraud department told me the SSN and name matches records and that the account is mine when i 'm disputing i never applied, or used the card. i requested for billing statements from account open to charge-off and bank records for purchases and payments, but they were not able to provide me with documents. if they are not going to carry on fraud investigations then i will have to file police reports to get them to release those documents and ultimately press charges against XXXX XXXX for fraud. there are XXXX other accounts, all fraud committed in the 2013 year with XXXX of inquiries for credit. XXXX i already have filed a complaint for not co-operating.
I have exchange Litecoin with ripple and I did send them over 2000 $ worth of Litecoin now they promise ripple exchange within minutes but now they did not provide ripple coin and took my Litecoin and not responding to my tickets that I have open on their website also they do not have customer service phone number. when I search this is how they fraud people please do something.
I had a dispute taken off of my credit report for original creditor  XXXX  with  XXXX   XXXX   XXXX  in the amount of {$1400.00}. It was taken off sometime between  XXXX   XXXX ,  2017 . Within the last 5 days, it was put back in my credit report after it was disputed and removed.   XXXX  I was told once taken off of your credit report, it can not be reinserted. If the item is reinserted then the credit bureaus have to provide you with a notice. The notice has to be in writing and it must be sent to you within  5 bus iness days after the item has been reinserted.   XXXX  This has not happened.
I have sent letters to XXXX and TransUnion for 2 accounts and asked for validation which they never sent me but sent a letter saying it was verified for letters sent in XXXX, XXXX, XXXX and XXXX.XXXX took it off my report after dispute. I asked XXXX and TransUnion for specific details in which by law and the Fair Credit Reporting Act they are suppose to furnish to me and have not. I disputed with the creditor like XXXX told me to and still never got the documents I asked for but instead got a response that clearly violates my hippa rights and law. I sent the info to XXXX  And let them know they are reporting information for using documents that are violating the hippa law and still they continue to report the items and never gave me what I originally asked for. I am in the process of filing a law suit and this is my last step as I have documented the whole process. I have all documents I need to file law suite if this is not removed
XXXX  is a fraudster company -- they work for the banks so all they want is to help the banks capture your property. They do not provide a way to dispute credit iu=inquiries which can affect your credit score. The people there are abusive and frustrating. They say they will call you back and they DO NOT. These people should be exposed for the scam to consumers that they are.
To Whom It Might Concern, This is XXXX XXXX XXXX and XXXX XXXX, we are owner of our home at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. We have been divorced and still in contact to care of our children. Judge granted the above address to mainly be XXXX XXXX 's home. We have contacted CHASE quite a while ago to give us a final amount as a XXXX time settlement because we pay CHASE monthly ( {$400.00} USD ) and the payment does not go into the principal or affect the principal, and the principal is {$160000.00}. We are asking for {$5000.00} as a XXXX time payment. We have paid CHASE this monthly amount for more than XXXX years. We originally took out the amount for my XXXX 's and basic house renovating due to old age. I ( XXXX XXXX ) plan to petition for Bankruptcy Chapter XXXX because I am in financial trouble, XXXX XXXX is also having his severe financial burden, I do not know what the destiny of this Home Equity Line of Credit loan because it has both of our names. I also have to pay XXXX XXXX XXXX mortgage as our XXXX loan monthly of {$1400.00}, The principal balance is {$180000.00}. I have been making payment on time because I fear I might loose my ( XXXX XXXX ) only home if I skip the payment and also I want to keep the integrity of my promissory note. The monthly payment is from borrowing and I am running out of place/people to borrow. I professionally seek to have a settlement with CHASE. CHASE is not willing to work with us in any way. We have called in, we have sent letters, we got nothing returned. We feel like we are in trap of interest. I also want to know if this CHASE Principal amount is forgived as part of the Department of Justice-State Attorney Generals National Mortgage Settlement. I respectfully ask for your help of contacting CHASE and give us XXXX time settlement or give us options. 

Looking forward to hear from you and thank you very much for your attention on this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
I have Capital One bank account for few years, an recently i Have fraud on my Credit card. 
After replacing my old credit card with new one, Capital One falsely reported me as a late payment.
XXXX we took our XXXX son to our XXXX for his XXXX visit at witch he was to have a XXXX. XXXX had a set of XXXX taken at his XXXX appointment. The nurse came back out and said the doctor wanted a XXXX set of XXXX knowing our plan most likely would not cover a XXXX set I told her to call our XXXX plan and get them ok 'd first seeingnext years befits would start XX/XX/XXXX, less then 15 days and I flatly said we could not afford an out of pocket charge and we would have to wait until next mouth. when she returned we when informed that no our plan would not cover it, but, they had already taken the XX/XX/XXXX all ready and that we would be billed for the service we had said no too. at that point I flatly stated we had not authorized them. seeing as the XXXX were the only service preform at that point we left and then took XXXX to another XXXX XX/XX/XXXX. I believed the matter closed until we moved back to Missouri and started the process of buying the home we own now, only then did I find out the bogus bill had been turned over for collection. I contacted the billing company and explained the matter and heck would freeze before I payee this garbage. got our home loan again all seemed fine until we started a refinance of our house to make some improvements only too again hear from another outfit ( XXXX XXXX ) again asking for XXXX dollar for the same invalid charges! I 'm so mad and tired of fighting those XXXX I ca n't stand it, how long will I have too keep dealing with this? We are being held for ransom, if we do n't pay this we may not get our loan. for over 5 years this has been hurting our credit and I want justis! please for the love of God can you do something about these rip off XXXX?
I wrote to Equifax on XXXX XXXX, 2017 and received proof of delivery showing they received the letter on XXXX XXXX. The FCRA requires them to respond within 30 days. As of XXXX XXXX I had not received any response so a telephone them and got stonewalled. Identical letters were sent to XXXX and XXXX the same day. XXXX provided an appropriate response within a week or so. When XXXX failed to respond within the 30 days required by law I telephoned them and they handled the issue immediately. Equifax has refused to respond and was rude and deceptive when I tried to talk with them about my dispute, claiming their actions were exempt from the requirements of the FCRA. I want Equifax held accountable for complying with the FCRA! Attached is a copy of my letter to Equifax, dated XXXX XXXX, 2017. I can provide a copy of the U.S. Post Office proof of delivery on XXXX XXXX 2017.
Chase  mortgage is trying to foreclose on my house stating that I was behind on my payments. Which I wa s one or two pay ments behind but they are saying I was 6 months behind. I looked back through all my mortgage statements and I ca n't really make sense of them. I do n't believe they posted all the payments I made to my account and I have proof of payment plus I have proof from my bank they cashed the cashiers check they required me to send. On my year end  XXXX  statement Chase took the whole years worth of payments and instead of deducting my principal by that amount they added the amount I paid to the principal. I bought my house in  XXXX  and by the year  XXXX  after five years of payments I owed as much as I bought my house for. I need someone to please help me please.
Experian has been charging me $ 21.95/month since  XXXX  of  2016 , with an initial {$39.00} charge of which I was unaware. That means that they have charged me about {$260.00} without my knowledge over the past 9 months. I called to get a refund for the money that was taken from me, but they would only refund {$60.00}. That 's still {$200.00} gone from my account for a service that I was not even aware that I had signed up for and that I do not use. They do not send an email nor paper mail stating that your credit card will be charged. As far as I am concerned, these charges on my credit card are fraudulent because Experian leads people to believe that they are only charging {$1.00} for a credit report, when in reality they are being charged {$40.00} at the very least.
XX/XX/2015- XXXX,XXXX,XXXX- called them and explained why the accounts were wrong. they told me to file a complaint
I recently applied for a CHASE SLATE card and was told that confirmation of my actual physical address was required for approval. I was reluctant to provide more than my mailing address as I work in XXXX and have security concerns but after being assured this would be kept confidential and I would be approved once they had my address, I provided it. I then followed up and was told I was turned down because of my account balances vs my credit lines. I applied for the account as I wish to lower my balances by transferring them to a 0 % account and paying them off much faster! I feel as if I was declined simply to punish me for resisting giving my home address and complaining about it.
I feel XXXX XXXX ( Navient ) used deceptive practices while financing my degree. There was XXXX debt counseling as I applied for my first loan - the first day of my move in, I was pulled out of line at school and brought to the financial aid office and asked how I would pay for school ( 2003 ). Just turning XXXX, I asked them what do I do - the advisor instructed me to sit me down in a cubicle and dialed XXXX XXXX for me. Within a short time period, I had been approved for $ XXXX, after never holding a loan in my life. This became the norm each year which lead to $ XXXX in private student loans. Have tried multiple times to work with the lender for additional repayment options to no avail. I have currently paid $ XXXX towards these loans and the principle on the loans have only move by {$3000.00} ( from {$100000.00} to {$100000.00}. Roughly 8 years repaying and average payment of {$700.00} a month ). Multiple times I have called for assistance with the repayment and was pushed to a deference ( with capitalized interest ). I feel the company should work with high balance customers like myself to come to terms/agreements that work in both favors ( reduction in interest rate, fixed rate ). After research into this subject, it seems the only way to negotiate is through none payment and eventual default ( leading to ruined credit scores and potential loss for the lending company ). After paying more than {$40000.00} towards my loan, I should see a drastic decrease in overall principle. 

I believe I have experienced predatory lending practices in addition to deceptive allocation of payments and repayment recommendations from the company.
Nationstar Mortgage changed the escrow amount due in my monthly payments without issuing a RESPA required statement of escrow or otherwise notifying me of the change. This caused my payment to be held in suspense since it was not sufficient to cover the full, inaccurate, amount. In addition, I was then charged a late fee for a missed payment, and reported to the credit reporting agencies as delinquent.
XOOM took payment, did not provide service..threatened cancellation..they were told to go ahead and return all monies, they never responded
I had just sold my house and was set to close on XXXX XXXX, 2016, however Vectra Bank of Colorado had not released the lien on my house which was supposed to be released 13 years ago when the note was paid off and the mortgage was obtained by XXXX XXXX. It took us, the Title Company out of XXXX, Colorado and mostly myself to call the bank fill out all the paperwork and talk to them daily if not 2-3 xs a day to get the lien released so the sale could go through. The lien was not released until 10 days later on XXXX XXXX, 2016 I lost over XXXX dollars because my house could not close on the XX/XX/XXXX because they Vectra Bank had not released the lien which was suppose to be released 60 days after the note was sold. I am upset because of the loss of money, I could use that money, and the bank does n't seem to care whether or not they got the lien released or not. I think this is ludicrous. If I were to run my business this way, I would be out of business. I think that Vectra Bank should be made responsible for my loss of monies since they are at fault for not having the lien released several years ago..