WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX is showing deformatory information that is causing me harm, in fact the account from XXXX XXXX XXXX XXXX  has been PAID TWICE AND SHOULD NOT BE ON MY XXXX XXXX   REPORT BECAUSE I HAVE EXPERIENCED BAD OUTCOMES FROM THIS, THE MISLEADING INFORMATION NEEDS TO BE REMOVED IMMEDIATLY BECAUSE IT DOES SHOW PAID 100 PERCENT BY INDIVIDUAL AND ALSO I SENT IN PAYMENT A FEW WEEKS AGO AND THEY ACCEPTED MY PAYMENT BECAUSE THEY DID NOT SEND IT BACK TO ME, THEY KEPT IT, SO XXXX NEEDS TO SEE MY TANGIBLE EVIDENCE AND REMOVE THE FRAUDULENT INFORMATION AT ONCE BECAUSE IT IS NOT VALID
A charge of $ XXXX was placed on my XXXX XXXX XXXX The charge was at XXXX XXXX XXXX using a XXXX XXXX = XXXX CARD!! This is impossible as I NEVER use the XXXX Card and never carry it AND I have a XXXX 's Club card! In my query to XXXX, they refused to send me ANY docs substantiating WHAT was charged. I refused to pay and they eventually turned the charge over to XXXX XXXX. XXXX XXXX called to collect and I informed them I would be happy to pay IF... IF they would show me the actual transaction, which they refused. XXXX XXXX then reported it to Equifax and Equifax deducted XXXX points from my credit of XXXX to XXXX. I challenged the report to Equifax AND XXXX ; Equifax reported they had " INVESTIGATED '' and found XXXX XXXX 's report substantial, NEVER addressing MY request for ANY documents attesting to the charge. I should have paid the THIEVES!
XXXX XXXX a supv. with the Special Handling Fraud Dept. with Transunion Credit Reporting told me that not one of the 3 certified sent complaints or any of the cfpb  complaints they have not received or seen I'm now demanding they Remove All FRAUD ALERTS from the credit file of the XXXX XXXX XXXX file and also Dispute these Inquiries as Fraudulent and VALIDATE them as anyone could have submitted these credit apps. In my giving name XXXX XX/XX/16, XXXX XXXX, XXXX XXXX-2/5/16 Also remove any personal statements on this file and all FRAUD alerts as Transunion was not able to generate any qiestions for me to VALIDATE sho I Was so he said to write a letter I have done that and still nothing has been done they were sent 3 certified mailings still nothing has been done add XXXX XXXX XXXX XXXX Loma XXXX California XXXX to my file as another address
The Mortgage Company ( XXXX XXXX XXXX ) gave us 10 days from the date of closing ( XX/XX/2018 ) to meet specified conditions as per the appraisal company to make the property habitable. The date specified was XX/XX/XXXX. We met the guidelines and there were instructions as per XXXX XXXX with XXXX XXXX to release the escrow holdback of {$10000.00}. We still have not received our monies and are in jeopardy of being late on mortgage and car payments.We requested the money to be wired and were denied. Also we were promised a lender credit, there was never a rapid re score so as a result we were locked in at 5.7 interest rate but we're assured we would get a lender credit. I am attaching the proof. Also XXXX XXXX the VP provided tracking numbers as well, and said they would cancel the first check and would overnight a new one, tracking was provided. Now the check is lost. Her reply was they need to locate the check, why have they not wired us the money. There is so much wrong here and I will be filing suit as well. Please advise as quickly as possible. Thank you in advance.
I have been out of work for a year and a half so my checking acct. was at {$0.00}. A small automatic withdrawal was made while I was in the hospital. I do n't even know what it was for because they cut off my access to my online account. The penalties imposed by the bank was {$140.00} on a under {$10.00} automatic withdrawl which there was no money in the account and had n't been for months. On XX/XX/XXXX I received a letter from chase saying they had changed the overdraft fees etc and they made a credit to my account of {$140.00} with an ending balance of {$0.00}. On XX/XX/XXXX, I received a letter telling me they closed my account, cut of all access to the account, and REPORTED ME TO THE EARLY WARNING SYSTEM WHICH HAS KEPT ME FROM GETTING A CHECKING ACCOUNT and sent me to collection. This happens at a time when I am trying to start a small business. I thought maybe the letters crossed in the mail, but nooo on XX/XX/XXXX, I received a letter from chase 's internal recovery unit demanding payment. XXXX MONTHS LATER THEY STILL ARE DESTROYING ME FINANCIAL. HOW IS IT POSSIBLE FOR A DEPOSIT THEY MADE INTO MY ACCOUNT NOT BE CREDITED TO MY ACCOUNT??? Do they have XXXX sets of books? I can guarantee they would have a withdrawal recorded to my account in seconds from anywhere in the world.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Ally financial has hard inquiries posting for no reason.
When I canceled my XXXX account in XXXX I had not agreed to a new contract for XXXX years. I brought my last phone on line and paid cash. When I called to cancel, I was told I would have an early termination fee and I requested a copy of the contract I had agreed to so we could resolved the issue, and I never received the contract. I disputed the information on my credit report in XXXX XXXX and they said the information was correct but still has not provided the last contract that I requested to prove the debit was legit. Only thing I got from XXXX is a bill for {$380.00} with no break down of the charges. I understand that XXXX was upgrading their system here in XXXX NC but the lack of service and the constant drop calls were killing my business. I was with XXXX XXXX for XXXX years and dealt with a lot of changes but never pictured they would not give me the proof that I was under contract.
I have made repeated attempts with Portfolio Recovery to resolve a charged off account from 2010, the collectors and managers are rude and unresponsive to my request to arrive at a reasonable settlement, they demand an amount I can not afford to pay, the account well beyond the statute of limitations and remains on my credit report. The company that purchased this debt from the issuer is located at XXXX XXXX XXXX, XXXX, VA XXXX phone:XXXX, this matter could have been resolved long ago if it were not for the greed this company has demonstrated.
I have recently been informed that there is negative information reported by XXXX XXXX XXXX. Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$910.00}. *Please note this account has been removed from my XXXX credit file* I challenge the accuracy, compliance and reportability of this listing. 
XXXX XXXX XXXX has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from my credit file.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Hello, My name is XXXX XXXX XXXX and my Fair Credit Report Act rights were violated. On XXXX XXXX, XXXX. I was contacted by National Credit Systems on behave of XXXX XXXX XXXX. The letter was to collect a debt of XXXX. I have no knowledge of a balance with XXXX XXXX XXXX. I moved out XX/XX/XXXX. I was never contacted by the XXXX XXXX XXXX saying a owed them money. So when I got the letter from National Credit Systems a year later, I was shocked and surprise. I then wrote a letter on XXXX XXXX, XXXX. ( See Dispute letter attached ). I wanted them to validated the debt. On XXXX XXXX, XXXX. I received a letter saying they investigated the debt. However, the document they sent me are not sufficient evidence saying I owed this money. Print out with no signature, no hand written date and my lease. Just an electronic print out that could be doctored up to reflect dates they want to reflect. Around XXXX XXXX. I wrote and sent another letter ( trying to locate that letter ). I asked for postmark date mailing to prove that they tried to contact me before placing in collections, asked for move out paperwork with signature, walk through paperwork, payment history. On XXXX XXXX, XXXX, I received mailing stated that I did n't have sufficient evidence to validate my claim. Which was confusing because I 'm not the on making a claim of money owed. The burden of proof is on them to prove they did their due diligence. On both letter, it states national credit systems will revise or delete the information it may have reported on my credit report. On XXXX XXXX, XXXX, I applied for a car loan and was denied mainly for having time since delinquency is too recent, serious delinquency filed and time since collection is too soon. So after being denied for delinquency and collection ( See XXXX Load attachment ). I paid XXXX so I can look at my report. On XXXX XXXX, XXXX a collection was place on my credit report by National credit systems ( see XXXX attachment ). However, my first contact with them was XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I place a dispute with dispute with XX/XX/XXXX and a few hours later National credit system collection was removed. ( see XXXX investigation attachment ). National credit systems put a collection on my credit report before ever validating the debt. Also, the failed to remove the collection while my case was under investigation. I was denied car loan I desperately need, because of these legal act and practices by National Credit systems. My Fair Credit Report Act right were violated, National Credit systems were negligent and careless. My credit profile with my bank put me in a bad light. They did n't report my collection as a dispute. NCS defame my character.
XXXX XXXX XXXX, XXXX Tx, with blatant and contemptuous disregard for the consent decree obtained against them onXX/XX/XXXXby The Consumer Financial Protection Bureau, ( File # XXXX CFPB XXXX XXXX has been harassing me for almost a year about an alleged medical debt that they claim is owed to their client, XXXX XXXX XXXX XXXX. I have never even been inside the nearest XXXX XXXX facility, which is about 50 miles away, nor have I ever been treated at, or provided any services by any XXXX XXXX facility. I am not certain that XXXX XXXX is even aware that XXXX is making these allegations. XXXX deliberately waited almost a year from the date of a procedure that I had at a small local hospital, then demanded payment, claiming that I was " uninsured ''. I am XXXX, entitled to Medicare, and carried a Medicare supplement policy. The procedure was fully covered by this insurance, with no deductible and no co pay, and my insurance coverage was accepted by the providing hospital. After I explained this in my first letter to XXXX, they then asserted, that " Well even if you were covered, our client didn't know that, and it is now too late for them to file a claim. '' ( untrue ) I wrote a second letter, again explaining that their client didn't even perform the procedure. I recently received a response from them stating that there was no new information in my second letter, and they did not intend to re examine the case. 
Presumably they still consider that this money is owed, and at the end of their last letter they made a point of noting that they had not ( yet ) furnished any negative information to any credit reporting agency. I took this as the most thinly veiled threat that they would do so if I failed to cooperate. They are doing now exactly the same things that triggered the consent order against them in XX/XX/XXXX. 
XXXX has not even attempted to verify this debt or produce any proof or documentation explaining why I owe money to a hospital I have never set foot in. Further, they are letting weeks or months elapse between correspondences, in an effort to further obscure the facts. 
I am a XXXX year old woman in XXXX health, and have had to spend countless hours attempting to defend myself against this baseless and frivolous attack. It has taken a very heavy emotional toll on my retirement, to say nothing of the wasted hours. 
My present XXXX score is well above 800. I will now have to request frequent credit reports for the foreseeable future until this matter is resolved. 
I am still considering a separate complaint regarding the release or escape of my personal information from the original hospital in violation of the HIPAA statutes without my consent. 
I
On XXXX XXXX XXXX I purchased and XXXX Chevy impala from XXXX XXXX and my loan was purchased by Santander Consumer USA at XXXX a month which was paid every month on time until the loan was refinanced by XXXX XXXX XXXX XXXX On XXXX XXXX. On XXXX XXXX XXXX XXXX contacted Santander for the pay out of the car and they were told that it was XXXX this company accepted the check and the title was turned over to XXXX federal credit union on XXXX XXXX with the balance paid in full. So Santander only had this car loan for about 2 and a half months before it was refinanced. Now remind you that this car was paid out in XXXX XXXX in XXXX XXXX Santander started reporting to the credit bureaus as if they had the car and stating that I did not make my car payment. sating that the account was a charge off in the amount of XXXX and still reporting. I will be attaching you the proof of this pay out for the vehicle that was excepted by Santander Consumer USA. Please ask this company to furnish proof of accurate information pertaining to this loan. They report false information and inaccurate.
on X/X/17 or so I sent a XXXX request to Trans Union requesting to verify Bankruptcy and XXXX XXXX XXXX XXXX student loans required under Section 609 by certified mail. On or about X/X/17 I sent a XXXX request and no proof of these items belonging to me was sent. On or about XXXX XXXX Trans Union deleted the Student loans and then in XXXX XXXX put them back on my credit Report. On XXXX XXXX XXXX by certified mail I requested for Method of Verification for BK of 1. Name of the Court, 2. The person who verified 3. The Address 4. The Telephone number 5. The documentation used to verify the dispute. I have never received a consumer contract with my signature I only receive a credit report saying results verified as accurate from BK court house in XXXX Maryland. On XXXX XXXX XXXX I wrote the Maryland Federal Court in XXXX with a Affidavit of correction and ask for there process of such reporting and sent a return envelope. There responds was they do not report such information to Credit Reporting Agency. After that I sent a certified letter with a copy of the Court reply to Trans Union requesting them to delete the information! I have filed and sent a FTC Identity Theft report and along with a police report with all pages and they have ignore those documents. I have never filed Bankruptcy never apply for any kind of student loans.
We have lived in our home for 17 years. We've had financial problems in the past, and did a few modifications over the years. Nothing was done about lowering our 9.125 % interest rate, until XX/XX/XXXX. It was lowered to 8.125 %. That made our Mortgage Payments go up by {$100.00} dollars, and stretched our loan to 51 years! We were waiting for my wife to be approved for XXXX, and she was approved in XX/XX/XXXX. Which will allow us to make our mortgage payments. We have a XXXX XXXX RESPA Loan, and we've had several mortgage servicing companies. The latest being DITECH. They have only hurt us when asking for lower interest rate, and adding our past due to the end of our mortgage. We needed help, not hurting us by, NOT lowering our interest rate. And adding large sums of money to the end of our mortgage.
In XXXX 2012 I put my loans into forebearance due to financial hardships for 3 months. Navient failed to complete the forebearance on their end and after 3 months my loan was reported as severely delinquent to the credit bureaus. To add insult to injury, instead of just XXXX 90 day delinquency, they submitted XXXX! ( Apparently even though I make just XXXX payment, they consider it to be XXXX separate loans I have with them ). I wrote to them asking for removal of all XXXX from my record or at least XXXX of them as my credit went from mid XXXX to below XXXX, all my credit card limits were reduced to whatever my balance was which in turn lowered my credit even more as now I had several maxed out cards, where prior to that, I had at least XXXX to XXXX dollars in available credit on all of the cards. My appeal was rejected and it has taken the last 4 years to build my credit back up. I was not able to qualify for a mortgage because of that fiasco.
Initially contacted by this collection agency the later part of last year and at that time I advised them to refrain from contacting me because I spoke with XXXX and explained my situation to them. Will being making payments directly to XXXX. This agency continued to send notices that were returned to them unopened up to this date. I was notified by my monitoring service that an collection account was added and some fraudulent activity was going on so I disputed all items including an unknown collection account. I received information to show that the same collection agency added this account to my credit file AFTER I advised them 1 ) that I was paying XXXX directly on payment plan. 2 ) they still contact me AFTER I advised them to refrain from contacting me AND 3 ) they added this account to my credit file w/wrong amount. This really affects my credit badly.
I received a letter from XXXX XXXX XXXX XXXX . Claiming that they own the rights of a debt from lending club and demanding full payment. I need full validation of this debt. I haven't heard anything from lending club regarding this matter.
On or about XXXX 2003, I attended " Financial Aid '' assistance programs at University of XXXX XXXX. We were pushed to secure high cost " private loans '' through XXXX  XXXX/Navient and was led to believe that we would get high paying jobs. I distinctively remember that they touted salaries of {$100000.00} for starting graduates. The very first year, the student loan amount was small, but every year the loan amount required to pay for the year nearly doubled. The student loans show this progressive allocation of increased costs per year. 

Fast forward after graduation, my Private Student loan payment was nearly {$1500.00} a month. My initial bi-weekly net pay with my {$36000.00} year job was approximately {$1100.00}. Since then, I have lived a nightmare of having {$170000.00} of private student loan debt with no ability to pay it without leaving in a homeless shelter. I still do n't have a six-figure job! 

I have made every effort to work with Navient with these student loans and they continue to call me frequently and aggressively state that they will seize my assets, garnish my wages and put a lien on my house. I live in constant fear that I can not live a normal life based on the sizable burden of debt on myself. 

No company in their right mind should give a XXXX year old student six figures of student loan debt. It is single-handly the worse decision I ever made in my life. I pray that the CFPB can stop this practice and give our next generation a more secure life. I am asking for CFPB 's assistance to make Navient aware that they gave a loan out that no one could afford and come up with a rational solution so I can live my life.
Have contacted company twice in regards to the debt. This debt was charged off by the orginal company and closed. They can not verifie the debt and keep calling and harassing me at work and at home.
I mailed a certified letter to Equifax on XXXX XXXX, XXXX and XXXX XXXX, XXXX regarding the incorrect reporting of my XXXX student loans. Despite two written requests, including original documentation from XXXX XXXX to support my dispute that XXXX XXXX has changed their name to XXXX and the XXXX delinquent items listed on my Equifax report should be reporting CURRENT they still remain on my credit report in violation of Federal Law. 

In the results of the first investigation and subsequent re-investigation, Equifax ignored my dispute and did n't update the inaccurate items listed on my credit report. 
Furthermore Equifax has failed to provide a method of verification as required under Section 611 ( a ) ( 7 ). Under the FCRA, unverified accounts must be removed. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' MY XXXX XXXX LOANS ARE CURRENT - MY SUPPORTED DOCUMENTATION FROM XXXX XXXX CONFIRMS XXXX XXXX CHANGED THEIR NAME TO NAVIENT ON XXXX XXXX, XXXX AND MY FEDERAL AND DEPT. OF EDUCATION LOANS WERE NOT REPORTED PAST DUE OR LATE IN XXXX OR XXXX XXXX OR XXXX XXXX. 

This is my final attempt to resolve this issue. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding EQUIFAX continued willful and negligent noncompliance. The law is very clear as to the civil liability and the remedy available to me under Section 616 and Section 617. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please see the attached original document from XXXX XXXX. Please update the XXXX delinquent accounts to reflect " CURRENT ''. Please accept this final OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve EQUIFAX continued violation of the Fair Credit Reporting Act regarding your refusal to UPDATE information from my consumer file.
1. Curo Management - 2 inquiries from on the same day on my XXXX. I do not know who this company is and there is no reason for an inquiry on my report I have not applied for any loans.

2. XXXX XXXX - 2 inquiries on my XXXX  - I have not applied for any XXXX XXXX accounts. XXXX XXXX  keeps showing up on my credit reports and I have not applied for XXXX XXXX
I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a " good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from XXXX XXXX XXXX. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen in early summer. Soon after trying to fight the discrepancy, I received a letter from XXXX XXXX XXXX that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited " recent delinquencies '' and " insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with XXXX XXXX XXXX trying to get the issue resolved.