WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted by Riverwalk and was talked into a student loan consolidation program for my federal student loans. I found later out on my own that my loan was already consolidated four years prior and federal student loan consolidation is free. They wanted me to pay them XXXX in fees for consolidation ( this fee was not discussed ). They took my social and debit card information. I put a block on my card before they could charge it. They didnt have my student loan information before they wanted to charge me. I was being set up to pay an outstanding amount for a solution they could not give me and one that could be done for free. 

I later contacted the company telling them I realized my loans have already been consolidated and there was nothing they could do to help me. I asked for the companys address and everything changed in the tone of conversation, I was then threatened to be taken to collections, my credit was also threatened and the language became really aggressive.
I'm respectfully filing this complaint due to numerous of failed attempts in the removal of said account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim, therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. 

Accounts as following XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
I had a very trying experience with Greentree and submitted a detailed complaint over a year ago ( # XXXX ). The company forced a flood policy on my account and charged me for it even though they had all the proof that my HOA held a flood policy. This forced policy made my payments erroneously inflated, which in turn made Greentree continue to call me for payments. I tried continuously for months to correct the problem and provided statements from my bank - who was making payments on my behalf. Finally, after the name change to Ditech, this company acknowledged their error and sent a refund along with a letter stating that late charges had been removed. I thought it was resolved until recently when I realized that they had reported me to the credit bureaus as a late payer! Now my stellar credit is ruined, and the score does not reflect the fact that I have always had an excellent score ( over XXXX ).
Was contacted in XX/XX/XXXX by XXXX  XXXX XXXX to take over my student loans from XXXX for a lower interest and loan forgiveness program. Made 4 payments of {$150.00} starting XX/XX/XXXX to XX/XX/XXXX. Total of {$600.00}. Was told the fee was for them to take over student loans and be my new borrower. Got several emails from navient asking about payments because they never officially took over the loans. Tried contacting them several times with no response. Started receiving paperwork from another company called XXXX  XXXX XXXX. Contacted them and they said XXXX  XXXX XXXX handed my student loans over to them in XX/XX/XXXX. XXXX  XXXX services advised me to file a dispute at my financial institution to try and get my {$600.00} back because I should not have been charged to begin with and advised me to contact the trade commission and turn in XXXX XXXX XXXX.
I was unemployed at the time when this debt collection attempt took place. At that time, a local agency called XXXX was providing energy assistance for my family during the winter and summer and they have been making payments to XXXX XXXX XXXX to cover my utility bills. I do n't know what went wrong and I was not notified of any issues with my energy assistance that I was receiving from XXXX. I was going through hardship due to job lost. I was receiving XXXX and other other help from the state plus XXXX.
I took out a {$1000.00} loan from Big Picture Loans and was initially told I would pay {$400.00} in a finance charge, but instead they took out {$500.00}. They said I could pay them more on top of the {$500.00} to reduce the principal by a {$100.00}, but the next payment would be {$500.00} another finance charge for the 2nd month. I ca n't afford this outrageous amount.
I applied for a loan modification on my mortgage  XXXX / XXXX / XXXX  due to loss of income from my son turning  XXXX . SS was due to income because my husband passed away  XXXX . I was told by SS when my older son graduated the difference would go to other son. However that was not the case. I was approved for  Modification   XXXX   XXXX ,  XXXX  in which my payments became affordable. I signed all docs and returned them. I have been making the payments that have been agreed upon.  XXXX   XXXX  I received call from Mortgage company advising they where to send new docs. New docs where sent out and received them  XXXX   XXXX  via  XXXX . Upon reviewing MOD was changed and payments increased. I was told never told why I was getting new ones. I took info to agency that helped me get MOD. I gave them authorization to request info. She was told mistake was done in  1st  MOD since property is MH. I was finally told by Mtg that yes it was a mistake also. My payments have been made and have been accepted by Ditech.
I was never contacted and properly notified by this collection agency for some old medical bills they were attempting to collect. My first notification came in the form of checking my credit report and noticing the collection accounts noted on my report. I immediately contacted them to make some sort of arrangement. I informed them that I wanted a pay for delete or else I could use HIPPA rights and force the original creditor to take the account back, paying the original creditor directly and avoiding the items being reported. The collection agency then, sensing they would loose out on approximately {$800.00} promised to remove the derogatory remarks, since I was never properly notified, if I paid them directly. I paid them directly, and they removed XXXX of the accounts but XXXX remained. I have been contacting them and calling them to no avail. I feel completely defrauded and my rights were violated. Their only interest was collecting the money. They have destroyed my credit and have caused me to loose out on credit being extended to me. I want them to fulfill the promise made to me as I followed thru on my promise and paid them in full. The agency in question is called MID Michigan Collection Agency in XXXX XXXX Michigan ( email XXXXXXXXXXXX ). Their phone number is XXXX. Please help! I feel so victimized. I have sent letters to the Michigan State Attorney General as well as the FTC. I also understand that they broke the law by even promising a pay for delete so now it makes sense to me why they are bailing out and refusing to go further with my accounts. So many laws were broken here.
My XXXX  XXXX  MasterCard isn't releasing my credit info but I keep getting charged by all 3 credit but was monthly and it's making a score of XXXX it's not right it was XXXX they are robbing me with bank fees to at XXXX XXXX  XXXX  in XXXX  ky XXXX it's litteraly the credit bureau charging me over and over and XXXX XXXX us treasury card is being robbed. Some XXXX XXXX XXXX laughed at me like it's an error and it's not funny. Only credit card I got is XXXX  XXXX Comerica government card and it's secured my credit should be stellar never missed a payment on my at & t bill ever either. It's not fair
My information was compromised because of an equifax security breach. I had previously contacted experian, as soon as I saw an unauthorized inquiry on my credit report to investigate this right away, most recently XX/XX/XXXX. I was told that a pull on my credit file is factual and true. On today, XX/XX/XXXXI was told the same thing from Experian, after XXXX confirmed that my  information was stolen. Someone has clearly been trying to use my information to open accounts. Experian is not being helpful at all with investigating the fraudulent information on my credit file. I do have rights as a consumer and Experian has violated the FCRA. I was transferred to a supervisor, she did nothing for me. She just repeated the same script about inquiries being factual. I know that my information has been affected by a breach now. I am certain these inquiries are fraudulent.
Around XX/XX/18 I opened a checking, savings and business bank account at XXXX XXXX XXXX XXXX XXXX   MI XXXX. I presented all the required personal identification documents, and they were deemed acceptable by the bank agent and the accounts were opened.

My wife and I then went abroad for a several months long work engagement. We are still abroad.

AroundXX/XX/18 I wrote myself two checks, each for {$5000.00}, from my XXXX Bank account which I share jointly with my wife, and I deposit said checks to my Chase personal checking account through Chase 's mobile app. The checks cleared shortly thereafter.

Around XX/XX/XXXX I noticed that online access to my accounts had been restricted. I called Chase, and they informed me that one of the ID documents I used to open the accounts was not an acceptable account opening documented, and my accounts will be automatically closed. They said they will mail me a check for the funds that were in the accounts ( {$10000.00} in the checking account, {$320.00} in the savings account ).

A few days later a check arrived for {$320.00}.

A week or so later, I called Chase to ask about getting a check for {$10000.00} from the checking account. They said they can not issue a check for the {$10000.00} because the name on the check was [ wife 's ] name. I explained that the account on which the check was drawn is shared jointly between [ wife ] and myself, but the name on the check is just [ wife ] 's name.

They said they needed to speak to [ wife ]. [ wife ] was right next to me at the time but they refused to talk to her on the phone. They said they require a " phone number that links back to [ wife ] ''. I gave them [ wife 's ] cell phone number but they didn't accept it. They checked their databases and couldn't find the phone number of [ wife ] that I gave them ( [ wife 's ] cell phone number overseas ) and so they refused to issue a check " until such time that I can supply them with a phone number that links back to [ wife ] that they can reach [ wife ] on ''. As I said previously we are now overseas and reachable only by personal cell phone.

I am now in a situation where Chase allowed me to open an account, and allowed me to deposit funds in my account, but then suddenly and without warning closed my accounts and won't return the money I lawfully and in good faith deposited.

For identification purposes, the account number of said checking account is XXXX.
I called the collections facility to inquire about the debt, I spoke to someone by the name of XXXX XXXX, I needed to update incorrect information and ascertain knowledge as it pertained to the debt because there is things within the debt owed that is very questionable i.e. the amount and date reported and who the debt was acquired by, also to assure it had been updated to reflect the correct date of debt and also to advise this debt acquired is questionable. Upon hello I was being baited into a arguement, then after being verbally abused, I asked to speak with a manager and I was advised the manager does not speak with XXXX @, This establishment lacks professionalism and I am very concerned about this agency having my personal and confidential information. To no avail I am no further in realms of resolution than I was intially. However, to be verbally abused when trying to ascertain information that is on file with a company as it pertains to my name is totally obsurd. I tried to contact this establishment several times, however when they see my number they hang up immediately. I require assistance as to how to proceed with this mom and pop shop. Any assistance that you can provide would be greatly appreciated.
In 2016, Bank of America closed my cash rewards credit card without notice due to inactivity. I had {$85.00} worth of rewards that were not redeemed at the time of closing that were never refunded to me. The account closing has impacted my credit score, and I did not intend to close the card, nor was I  delinquent at any time paying the credit card.
I contacted Trans union customer service on XX/XX/2018 after looking over my credit report and noticed that there where several inquires that I had not recognized nor given permission to inquiry about my credit report.

After explaining to two different customer services representatives that there where multiple discrepancies they refused to be at any assistance and refused to remove the inquires and stated that they do not hurt your credit score.

The inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   As well as multiple promotional inquires that I had never given permission to inquire of my creditXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In XX/XX/2018, I had a secured XXXX XXXX credit card that I have maintained for over a year. A few days following, one of the credit bureaus filed an alert that stated that my XXXX XXXX application was fraudulent, which prompted XXXX XXXX to close my account followed by a phone call from them to inform me of the closure of my account. I was extremely livid about the action. My credit score and report suffered as a result of this action. I filed a complaint with the Fair Credit Reporting Bureau against all three bureaus because I did not know which bureau filed the false claim on my account. XXXX and XXXX replied to the complaints in a timely manner, stating that they did not make a claim of my account being fraudulent. But Equifax never replied, hence discovering who had the most probable cause with committing this transgression against me and my credit standing. I tied reaching out to Equifax on multiple occasions by phone and and online, but no one bothered to reply. I filed a claim against Equifax with the Illinois Attorney General 's office, but after a few months of waiting for a reply from Equifax and only receiving one reply from the, which probed me for additional information, I was unsatisfied with their response. The Attorney General 's office closed my case because they claimed that there was not much of anything else that they could do. Now, I am seeking damages for Equifax 's actions that damaged my credit score and report
2 Certified lettershave been sent to XXXX  # XXXX and XXXX   # XXXX they have refused to VALIDATED & investigate all accounts that were list on paperwork I have asked called they now state they were never sent or have recipe any CERTIFIED mail from me which is a Lie I'm now ready to file lawsuit against them for not VALIDATED proof that these accounts are my accounts and the amount they have stated I owe is true I also request a Certified copy of the True Bill as proof all updates of the Investigation shall be sent to me by email @ XXXX by XX/XX/2018 I gave them 25 days to reply and they have refused all actions I have requested them to do also I stated that a IRS Tax Lien Claim also be VALIDATED all claims have been denied from these companies to VALIDATED these claims UCC 1-308 WITHOUT PREJUDICE
I closed my credit card account with First Progress due to them charging me fraudulent fees. <P/>They have on my credit reports that I owe them {$250.00}. My credit line was {$300.00}. I actually owe them {$150.00}. First Progress should not be in business because they are cheating their customers in fraudulent fees charged. <P/>I want an investigation into First Progress also I want you to get them to correct my balance owed to {$150.00}. <P/>Waiting for a reply, XXXX XXXX XXXX
I aaked got assistance many times, including forbearance. Many times i was told i would be sent out the proper paperwork to fill out so i can receive the forebearance. The paperwork never came. When i would call again a few weeks later they would say that there was no notice on my loans about forebeaeance, or that the agent never sent my paperwork. This cycle happened many times. On separate occasions
I have on disputed this debt ( 3 ) three times with XXXX via phone dispute and letters stating the debt is NOT MINES and I HAVE NO KNOWLEDGE OF THIS DEBT. However, XXXX said they verified the information as accurate but did not supply who they verified the information with. 

Caine & Weiner placed an collection in the amount of {$190.00} on my XXXX credit report. Prior to checking my credit report, I had no knowledge of the debt. I NEVER received dunning letter or phone calls regarding this debt from Caine & Weiner. Therefore I was not afforded the right to do my due diligence to dispute or pay debt before it was reported on my credit. 

The collection agency ( CAINE & WEINER ) continues to report inaccurate negative tradeline on my credit report. I decided to give Caine & Weiner the opportunity to do the right thing and obey federal laws and provide me with concrete proof I owe this debt before taking legal action. 

As an FINAL WARNING before I invoke my right to legal counsel, on XX/XX/2018 another request for the debt to be validated mailed certified to Caine & Weiner ( see attached debt validation letter ) Caine & Weiner has NOT responded to my request or provided any PROOF that I owe this debt. They also have NOT deleted the negative remark from my credit file. 

By reporting negative tradeline on my credit report has defamed my credit history and Caine & Weiner have violated Texas laws as well as federal laws regarding Fair Debt Credit Reporting. 

Prove it or REMOVE it!! As they were so quick to put this on my credit report is how I want them to move to remove it from my credit file. Quick, fast and in a hurry!!
XXXX XX/XX/2019 I went check my credit report as I do monthly. I found 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft.
XXXX University is falsely reporting a student " education loan '' on my credit report, which I did not open. I am in litigation with XXXX   University regarding a debt they claim I owe to XXXX. I have disputed the debt in totality in writing directly with the credit reporting agencies, the university, and their loan servicing company/collector, XXXX XXXX XXXX XXXXXXXX ( XXXX  ). 
1. ) The university has not furnished to the credit reporting agencies that I have disputed the debt directly with them in writing on XX/XX/XXXX. 
2. ) Experian has not marked the account on my credit report as " Disputed '' or " Account in Litigation '' when i disputed the account on their website on XX/XX/XXXX, and has concluded to not change the account status as of XX/XX/XXXX. 
3. ) In response to a previous CFPB complaint ( # XXXX ) I made against XXXX on XX/XX/XXXX, XXXX stated in writing that the account ... " is a delinquent XXXX account from XXXX University, money owed directly to the University ( for tuition, fees, andother items ) that was outstanding at the time you left the school. It is not a loan. '' Which is a false and/or misleading statement.
On XXXX XXXX, XXXX, I purchased approximately {$100.00} of goods from Macy 's on my Macy 's credit card. I did not receive a bill, nor did I get a reminder e-mail about my amount due, and accordingly time passed and I eventually forgot all about it. I pride myself in paying all my bills on time, and was dismayed when, XX/XX/XXXX, I received a Macy 's bill in the mail for {$240.00}. There had been no notice on my credit reports that this bill was overdue, nor did I receive any other notification before the XXXX bill. I called Macy 's and spoke with an argumentative woman who insisted I had signed up for e-bills when I first opened the credit card, over three years ago. I told her I had received no bills, no notification of any kind, not even an e-mail, and she said it was my responsibility to check my Macy 's account to see what was due and pay it accordingly. I have never looked at my Macy 's account online, nor do I believe I have an account there. Regardless, they should have sent me an e-mail notification, or I should have received notification with my bill paying service, as I have from Macy 's in the past ; but I received neither. I asked to speak to a manager, who was even more argumentative. She agreed to take the current late fee of {$38.00} off, but no more. I told her that my account has always been in good standing, and that I originally had a Macy 's account XX/XX/XXXX and she laughed, probably because she had n't even been born then. I became very angry and told her I wanted to pay whatever I owed and close the account. She began arguing about all the reasons I should keep my card, and I told her, " I 'm done arguing with you. Please let me pay and close my account. '' She would not let me pay with the XXXX XXXX credit card I use for most purchases, saying I needed to provide a checking account number, which I reluctantly did. I ended up paying {$190.00}, and she finally closed the account. A few days ago, I received notification from XXXX XXXX that my credit score had been impacted by some activity. I learned that on XXXX/XXXX/XXXX, Macy 's had reported my account overdue by 60 days. My account was actually overdue by more than 120 days. They had every opportunity to file with the credit agencies when I was late after 30 days, but did not because ( I believe ) they knew I would find out then that my bill was overdue. I also wonder whether the reason they filed it now is in retaliation for how angry I was when talking with them. I know Macy 's is a large company, but this practice of not notifying card-holders when bills are due so Macy 's can increase their profits is abhorrent and needs to stop now.