WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018 - We received a collections letter from National Credit Systems claiming we owe a debt ( see " XX/XX/2018 - Letter from National Credit Systems.pdf '' ). 

XX/XX/2018 - We responded with a letter requesting validation and details of the supposed debt ( see " XX/XX/2018 - Letter to National Credit Systems.pdf '' ). We sent this letter via USPS Certified Mail ( see " Certified Mail Receipts.pdf '' ). 

XX/XX/2018 - We received no reply from National Credit Systems and followed up with another letter requesting validation and details of the supposed debt ( see " XX/XX/2018 - Letter to National Credit Systems.pdf '' ). We sent this letter via USPS Certified Mail ( see " Certified Mail Receipts.pdf '' ). 

XX/XX/2018 - We received no reply from National Credit Systems and  observe that a derogatory debt with National Credit Systems has been listed on our credit reports with the major credit bureaus. We filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and notified the credit agencies via certified mail of the unvalidated and false information listed on our credit reports.
account with XXXX XXXX XXXX for {$36.00} has been paid in full Original XXXX on XXXX 2014 this account is showing open. after contacting XXXX XXXX and been tolld account is paid in full and closed and was to be removed from all XXXX credit reports still shows open and on reports
On the morning of X/X/17, I learned of the data security breach at Equifax Credit Bureau via XXXX. XXXX provided a website address/URL to assist individuals in determining if they were affected by the hacking incident. I visited the aforementioned site and was informed that both me and my spouse were possibly affected by the hack. We subsequently registered for identity theft protection via their TrustedID program. Later on in the day, I learned that after one year Equifax will charge for the TrustedID program and signing up for the program waived our rights to participate in any lawsuits ( i.e. class action, etc. ) and we 're subjected to only arbitration. I believe this to be very unfair, penalized in two different instances for their inadequate cybersecurity protection of our personal and highly sensitive data ( charge after one year and waiving our rights ).
On my credit report there are multiple duplicates, triplets, and quadruples, of different accounts. all the accounts are from XXXX XXXX XXXX XXXX, which all were reported to or sent to Collection Bureau of FT. Whom wants to set me up on a payment plan. I called XXXX  yesterday and requested all of my bills from there, in which I was told that there were only seven. The Collection Bureau of FT has 19! Several of these accounts are multiplies and the Collection Bureau of FT are giving me the run around. I'm XXXX  years old and attempting to fix my credit score in order to get my life on the right track.
I have collection from XXXX XXXX on my credit report. I send XXXX XXXX a validation letter and they responded saying that they have suspended all collection activity and credit reporting on this account. I sent the letter from XXXX XXXX to Equifax ( other XXXX bureaus already deleted it ) and Equifax responded on XXXX XXXX saying they verified the account. This should have been an easy fix and I am having to spend all this extra time during work hours trying to get Equifax to follow the rules and laws. My understanding is that if I have a letter from the actual collection agency that states they can not validate the account at this time therefore they are ceasing all collection activities then according to the FCRA, FDCPA and the Texas Finance Code, the credit bureaus including Equifax must delete the account. It seems thy are ignoring my proof and simply sending an auto generated letter to me. If they would have taken the time to read the letter I sent them from XXXX XXXX they would have deleted the account. I am requesting CFPB, read the letter I received from XXXX XXXX and then request Equifax to remove this from my credit file or ask them why they have not removed an account that is clearly not verifiable as there letter to me states. Thank you soooo much for your help.
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit
My credit card acco unt ( PayPal through Synchrony Bank ) is se t up with automatic electronic payment. On  XX/XX/XXXX  an automatic payment of {$3300.00} was transmitted to Synchrony Bank as payment in full on the balance of ou r PayPal acc ount. In  XX/XX/XXXX , the transmission of the  XX/XX/XXXX  payment was documented on the credit card statement. It was also reflected on our Checking account statement. On  XX/XX/XXXX  another entry was made to our  PayPal   credit card statement reversing the {$3300.00} payment, however no such entry appeared on our checking account statement. In  XX/XX/XXXX  we called Synchrony Bank and tried to resolve the issue. They said that our bank took the payment back. We contacted our bank and they said no they did n't. We have made multiple phone calls to Synchrony Bank asking where the money is and have not been able to resolve the problem.  XX/XX/XXXX  I sent a letter with a spreadsheet showing that all the payments have bee n made.I d id receive a letter from Synchrony bank on  XX/XX/XXXX  saying that their records show that the payment to our account was applied twice, so I see another entry on the credit card statement showing the  XX/XX/XXXX  entry ( that was a debit of {$3300.00} originall ly ) h as now been changed to a credit of {$3300.00} and another entry on  XX/XX/XXXX  of {$3300.00}  ( de bit ) was also entered. Out of frustration, we have closed this PayPal account. By changing the debit of {$3300.00} on  XX/XX/XXXX  to a credit of {$3300.00 } ( a lso on  XX/XX/XXXX  ) a double entry has been made. They have netted my payment to  XXXX  with the  XX/XX/XXXX  entry. We do not owe this amount. They need to find where they have put the money. To make matters worse, we have been reported to a collection agency. I have added documents showing we paid the bill, that Synchrony Bank received the payment, and all my monthly statements showing no reversal of the money has been put back in our bank. I have also included the summary showing the bank changed the credit to a debit and then reversed it again  XX/XX/XXXX .
Wells Fargo offered to refinance my home at a low interest rate and cash out part of the equity ( they currently hold the mortgage ). I paid the appraisal fee and had all paperwork completed on XXXX, and was told everything was a go -- that the appraisal would be done within two weeks, and then they would close the loan. Since then they 've stalled and delayed, telling me they ca n't do an appraisal. Now they tell me they wo n't be able to appraise the home until XXXX. Each time they push the date farther away. I 've already paid for the appraisal, and this is preventing me from going to other lenders. Their reassurances were that I 'd have my refinance finished in time to have contractors work on my home ( I have a leaky roof that needs to be repaired before the NW rains start ). Now it 's XXXX, I 'm no closer to closing this loan, and out several thousand dollars.
Applied for a modification, was told I have exceeded my modification limit. Second, was told when I applied that I was not delinquent with mortgage. I was on my second month behind. That is misleading, why in the beginning did they not tell me I was not a candidate. My yearly income is {$XXXX}. First time around they calculated into 4 weeks, now they want to divided daily amount. My monthly expenses are {$4700.00}. My wife has left me to care for XXXX kids with no help, they think it 's not a reason. I love my house and it 's not the best looking in the neighborhood. I 'm trying very, very hard to stay here and raise my kids. I need help and feel no where to turn.
I have inquiries I do not recognize by these companies on the dates as follows : XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX
My daughter recently,   XX/XX/XXXX  , received an email that said she owed a payment of {$640.00}. She had been in school up until  XXXX    XXXX  , and thought that she had a 6 month grace period to begin payment.  Sallie Mae s aid that she had already used her 6 month period at an earlier date, when she left school, for medical reasons, and then returned. I was under the assumption that payments would not start until 6 months after  XXXX    XXXX  , when her semester ended. I had no idea that there was only 1 grace period allowed and would like to know if that is true, and if so would like to see where it states. This was also the first time that she had seen a email from  Sallie Mae  since  XXXX . She and I went back through all deleted emails and current inbox. We then went to the spam email and there were three other emails in there from  Sallie Mae . If they sent them, and obviously they did, the emails went to spam email. I have also, back in  XXXX , sent a letter to the attorney generals office of NY because of this company not putting payments on the proper loans, and over charging on fees, not allowing me to speak to a manager, rude customer service to young adults, and not helping in any way to avoid default ; saying they had no other options available to her for repayment. Because of this investigation SallieMae had to go back into her accounts and make several changes to my account so forgive me if I dont have the confidence in this company. This company also never, ever, even responded to the sample letter that my daughter sent them from your website. But they did want to know where I got it from though. I want to consolidate these loans, and get rid of  Sallie Mae , but now I think she will have to be up to date on payments with them, but since I thought there was a 6 month grace period, and cant possibly get that amount of money together within the next month ; now wont be able to consolidate either. I honestly still thought I was in a 6 month grace period, that was never ever clearly explained, and as I mentioned would like to see it. Other loans that she has with  XXXX   XXXX  do n't operate that way. And then not receiving the emails or any correspondence through the mail ; she never knew she was falling behind. Why would n't  Sallie Mae , after falling behind, after two months, send correspondence through the mail. It was made very clear in my letter to the Attorney  Generals Office  that I did not want anymore contact with them over the phone because of how rude and condescending they were on the phone. That i preferred email or " snailmail ''. Thoughts and suggestions greatly appreciated
I traded in a car that I had financed only months earlier for a newer car actually I traded a XXXX dodge caliber for a XXXX dodge charger worth about XXXX monthly payments to be XXXX per month the salesman told me I could split payments which sounded great however I only make XXXX per year and was very naive and my first time purchasing anything period chrysler dodge sold me the car and chrysler capital financed it chrysler capital knew nothing of split payments over the life of the loan I would wind up paying over XXXX dollars I think all things considered that loan should have not even been approved I have lost the car to tickets the insurance lapsed because I could not keep up with all of it the car is in possession of XXXX
I disputed a judgment on my credit report with Equifax and they did not remove the judgment from my credit report. The judgment was filed in New York state and New York state law dictates that a judgment shall only be reported for 6 years. I called and spoke with the representative and he hung up on me when he was unable to resolve my issue.
Upon reviewing a XXXX XXXX credit report pulled for the purposes of refinancing my home, I discovered several " new '' entries of supposed trade line disputes. I have successfully had all but XXXX of them removed. ALLY continues to refuse to work with me or prove to me that I initiated a dispute with their company. I have no reason to dispute this account as it is paid on time and has never been late. I did receive a letter of good standing on XXXX/XXXX/XXXX, but it did not specifically state that " the account was not in dispute ''. I have asked repeatedly for these simple words to be added to the letter, so that I can present it to the loan underwriters and continue with the loan process. This action by ALLY violates FCRA in that the company is blatantly reporting false information that is causing me harm. As of XXXX/XXXX/XXXX, XXXX of the XXXX CRAs are still reporting this, I initiated an investigation with XXXX and they quickly removed the erroneous dispute remarks. Both XXXX and XXXX indicate that the Creditor, ALLY is the source of the erroneous information. If it can be cleared up with XXXX, why is it still showing up on XXXX and XXXX?
I have had a capitol one account for over 20 yrs as a matter of fact I have had 2 capitol one accounts for over 20 yrs. one with a credit line of XXXX and the other with a line of XXXX. I have not missed a payment in that time that I can remember nor does my credit bureau show a payment ever being 30 days past due. yet they claim to have made a business decision to close both accounts. I think they have the right to do that but they will cause harm to me by reporting it to the credit bureau. when I think they closed it because I turn XXXX on XXXX XXXX because I have paid them hundreds of thousand of dollars in the past. yet when I ask to speak to the person in charge they hung the phone up. they say it was being recorded which would be a good thing. I think there is more to this than they are telling me. I will do what ever is necessary to make sure this does not happen to anyone else as a matter it would me nice to know how many card holders they have closed with the payment history like mine.
I went to multiple different credit report websites trying to obtain my credit report for the first time. All sites would take me through the entire process just to get to a series of questions where I am asked, " How much is you monthly mortgage payment? '' Being that I 'm XXXX years old and just now starting to build my credit you can trust me when I say I have no mortgages. So after I click that I in fact do n't have a mortgage, the websites all tell me my report is unobtainable. I tried contacting Experian Credit Bureau by phone and could not get in touch with a real person, nor would the prompts lead me in a productive direction, which leads a very frustrated me to you. If you can help in any way it would be much appreciated. 
Thank you. 

XXXX XXXX
XX/XX/2016 we were contacted by Freedom Mortgage stating we were pre approved for re-financing our current FHA loan. They stated that we qualified based on fha guidelines and that we would not be denied. We worked with them for 4 months and finally after XXXX loan processor changes and multiple hard inquiries on our credit history, it was submitted to underwriting. It was denied. They stated the reasoning for the denial as not enough funds to cover closing ( we had over {$2000.00} in escrow from our current loan, as well as money saved aside for closing ). They also stated we had to many past due or delinquent accounts on our credit. ( they knew of this XX/XX/XXXX as we had conversations about it but they said it was n't an issue since our mortgage was n't past due ever ). They also stated that FHA guidelines that pre approved us and qualified us were not in place anymore due to new administration and laws passed since the presidential change.
I am currently in review for a modification with my lender, Wells Fargo but they refuse to remove the sale date of my home scheduled for XXXX/XXXX/17. They have told me they are transferring my loan to a new servicer and it will take a few weeks until the new servicer has my mortgage and modification review and by then I 'll have lost my home. They should n't have a sale date while I 'm in review for a mod, and they should n't transfer my loan with a sale date pending.
I had a car financed through Ford Motor Credit back in XXXX, and in XXXX I lost my home through foreclosure and had financial hardship. I later surrendered the XXXX XXXX  and it was charged off and went on my credit report and was charged off and remained until XXXX of this year.
I was told that the Fed Loan Help company was taking over my student loans and giving me a payment at a much lower rate based on my income and the XXXX that I XXXX. I was told that the money I was paying Fed Loan Help was going towards paying my regular student loan payment as well as a XXXX $ fee for 4 months for their services. 
I was informed by Fed Loan Servicing that my loans have been in forbearance since XX/XX/2016 and no payments have been received by Fed Loan Help. This is not what I was told on the telephone and I would never have agreed to such contract. My loans should never have been put in forbearance and payments that were directly withdrawn from my account should have been used towards my student loan balance ( as I was told ). Fed Loan Help is a scam and did not fulfill what I was promised over the telephone. How are they affiliated with Department of Education when DOE has no recollection of what they are communicating to customers?
I received a call Monday around XXXX that I have medical debt of {$610.00} dollars that was owed to XXXX XXXX XXXX XXXX from 2013 that I was never made aware of. Since Monday, this company First Financial Investment Funds ( First Financial Asset Management ) has called everyday 8 times a day. They keep calling after I asked them to not call me again. I asked them on Tuesday to send me a bill in the mail at which point I will pay my debts, however I would not be doing so over the phone. Representatives are very rude and do not sound like legitimate company representatives. The reps will not let you get off of the phone with them and it 's always the same people who pick up the phone.
I have repeatedly disputed XXXX California state tax liens on my credit report. They were filed because they did n't have my returns even though I did send them. The amount owed is inaccurate. The franchise tax board in California has refused to modify the amount although the have released the lien as satisfied and released. The letter which I will attach is dated XX/XX/XXXX, but liens were filed in XX/XX/XXXX and XX/XX/XXXX. The ketter clearly states that I have 30 days to pay before they will file a tax lien. I have contacted the state of California and they now say it us up to the credit reported agencies to delete the liens at being inaccurate
Inquires provided below are all unauthorized and are the result of identity theft XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 TXXXX XXXX XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX  XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2018 XXXX XXXXXXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXXXXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX  Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX   Inquired on XX/XX/2018
Boug ht   XXXX    XXXX  at    XXXX   XXXX   and financed them, I guess throug h Citizens Bank.   Payments are hitting m y    XXXX   XXXX   credit card monthly  (   XXXX   pa yments each month ). I have never received any statement, have no idea what the account number is, the balance, etc. I attempted to find the loans o n the Citizens website, ho wever I do n't have any account number. Attempted to call, they could not locate the loans. I have n't received anything on either of these loans ( no disclosures, statements  ), the only thing I get is an auto email each month telling me that the payment is being processed. I have no idea what the rate is, the APR is, or the term is. Because I was never giv en disclosures with this information, I should not have to pay the loan.
In XX/XX/XXXX I called Experian twice about Inquiries showing up and disappearing and the rep told me that I needed to refresh my browser. I explained to him that its not a browser issue that something is going on with my credit score, not only that i had a fraud alert on my report, but I was told I needed to dispute them with the creditor - something that 's not mine???. I had to put a freeze on my credit because I do n't know what was going on. When I called them again to do another dispute the Customer Service did not help and take care of the negative inquiries reporting to my credit report. I also tried to log back in to view the case number and i have been locked out of experian
This company has failed to provide me with adequate information to assist me in investigating the alleged debt of {$360.00}. I have also reached out to the company and provided them with enough time to provide me with debt validation.

They sent me a document that was seemingly manipulated ; consequently, I requested pages 1, 2, 4, 10 and 11 of what appears to be a Purchasing Power Agreement as evidenced by the attached letter and proof of delivery.

I am eagerly awaiting proof that this alleged debt is mine and has not been paid. Failing which, I implore Dyck O'Neal, to undue all negative action that it has taken thus far.

It is to be noted that this is not a duplicated complaint but this refusal to supply documentation to validate the alleged debt is contrary to the FDCPA. Furthermore, it appears that Dyck O'Neal has deliberately withheld material information relating to this case because pages 1, 2, 4, 10 and 11 were missing from the inadequate documentation they sent me through CFPB following my previous complaint ( s ).
My parents have been paying my student loan for the past 5 years. They accidently overpaid the student loan by mistake ( were supposed to pay another on-line bill pay company ) and it 's been over 3 weeks and the student loan servicer refuses to expedite the return of the overpayment. it 's currently a hardship on my parents. I was told several conflicting answers on how the repayment of this overpayment would be handled
XXXX XXXX Credit Card for Reported : XX/XX/2018 - {$14000.00} is not mine