WillisBack/dataset-financial-user-claim huggingface dataset:
Code of Federal Regulation, Title 34 Education ( 34CFR628.405 ) Part ( 3 ) ( ii ) The prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrower 's credit history.There have been several disputes put into effect sinceXX/XX/XXXXXX/XX/XXXX. Acct number XXXX Company named XXXX is reporting paid account open on XXXX and XXXX report. The account was paid XX/XX/XXXX but on all 3 credit reporting agencies dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have disputed this account be removed twice to all 3 agencies. They state XXXX was the original creditor I never received student loan through XXXX my student loans were Federal loans opened in XX/XX/XXXX and XX/XX/XXXX, which was sold to other collection agencies throughout the years that cited lack of privity. The last date of delinquency was in XX/XX/XXXX as reporting on XXXX and XXXX. They violated FDCPAA by changing the DOFFD and DOFLA. Statue of limitations per FDCPA is 6 years in Tennessee these laws are being violated by XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX, XXXX Solutions ( acct XXXX ) opened XX/XX/XXXX and XXXX orig delinquency date should be XX/XX/XXXX. I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the my address. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Documentation of late payments and signed documentation of signed contracts and consents In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.
Eastern Collection placed XXXX on my credit report because of a doctor visit in XX/XX/2015. Agency never mailed any information about debt to my address, never knew anything about debt. Never received any communication from this agency of doctor 's office about the debt until two years later.
i recently received a copy of my XXXX credit report on XX/XX/2017 from which a collection was added without receiving any written communication of the above debt, which caused my credit score to drop XXXX points..
I contact BMO Harris Bank back XXXX 2015 for a short sale. At the time, I was working with XXXX XXXX and XXXX XXXX. they were both great to work with and very good at getting back to me, and vice versa I provided whatever they needed in a very quick turnaround. Well after getting approval, the buyers financing fell apart, so the deal was dead. About a month later we received another buyer netting same thing to the investor but I was transferred to working with those XXXX ladies to working with XXXX XXXX, and immediately following to XXXX XXXX now. She is horrible at responding to emails, and does not return phone calls and we are going on and on now waiting for approval again of something the investor already approved a month before.
I have a general complaint about credit card soliciting where it says I have been pre-approved. This is suppose to mean I have already qualified based on my credit score, etc. This means they have enough information where they do not need to request any other credit information and thus hurt my score by inquiring through the credit agencies. Apparently this is not the case and it is very deceptive. I will not do business with any company that is deceptive. In fact, I will read them the riot act just as I did to Key Bank yesterday, Monday, XX/XX/XXXX
I contact the Attorney office and waiting on response from them since they said i am not able to contact the company directly since this matter is know being handle by the attorney
I purchased my home on XXXX XXXX, XXXX. The originallender was XXXX Mortgage ( Loan # XXXX ). Purchaseprice was {$220000.00}. Financial hardship happened in XXXX XXXX Loan was sold to XXXX XXXX during recession. Suddenly lost job. I fell behind in mortgage. 
payments. Did unsuccessful loan modification with XXXX Loan balance was increased significantly. I discovered on XXXX XXXX XXXX througha phone conversation that the sale date of my property isXXXX XXXX at XXXX XXXX. I have not yet received aformal letter from XXXX and XXXX ( attorneys representing the sale ) although they claim a letter was mailed on XXXX XXXX XXXX. 
I need more time to look for gainful full-time employment inorder meet the necessary financial requirements for a loanmodification to keep my home. Not enough time hasbeen allowed for me to explore all my options for gettingassistance. Private investor of the mortgage is XXXX. I waneed more information on this private investor and the shadytransfer of this mortgage between XXXX Mortgage and. 
Shell Point. I even asked to speak with XXXX XXXX ; CEOor someone in upper management. Within two weeks of my rerequest to speak upper management, the mortgage wassuddenly sold and no one ever spoke with me. I want thisloan process investigated from XXXX XXXX until XXXX XXXX XXXX. I believer customers who are in vulnerablepositions such as myself are being taken advantage byChase and other private investors while jacking up loanbalances as they resell loans. This is home is not valuedat {$250000.00}. Please research this case asap.
I closed my Sears credit card account in XXXX 2014. Unbeknownst to me, the account information was still on file with a rental car company, XXXX. I rented a car from XXXX earlier this year and returned it but never received a receipt, nor was I asked what payment method I would like to use. According to Sears Credit Card customer service, XXXX was able to bill my Sears card ( even though it was closed by me ) due to some sort of contractual relationship between Sears and XXXX. Fast forward a few months - I began to receive overdue notices in the mail from Sears, with instructions to call them immediately and arrange for payment ; Sears had charged me late fees and interest on an unauthorized purchase on a closed account! In addition, I was unable to pay or even access my account online ... since I had destroyed my card, I could not perform a password reset ( which required the card number and CVV code ), and Sears refuses to give me the account number over the phone. 

The pertinent information above - the date I closed my account, the fact that XXXX was able to process a charge after that date, the apparently unique relationship between XXXX and Sears that allowed XXXX to essentially re-open my account without my permission, and the fact that Sears ' policies prevented me from accessing my account without the physical card - were all verified and confirmed during a telephone conversation with a Sears customer service representative today. I admit that I do owe money for a car that I rented, which totaled approximately {$80.00} ; however, Sears ' credit card policies and their strange relationship with XXXX has caused them to make an additional $ XXXX+ in interest and late fees. Sears claims that no merchants " other than rental car companies '' are allowed to use their cards in this way, but how is that even possible, and how am I supposed to know which rental car companies may have my information? As of this writing my account remains " closed '', but what safeguards exist to make sure that I am not going to be charged anything in the future?
I have a Student loan I got through XXXX College in XXXX. It went into collections, after it went into collections they said that I could qualify for a lower payment. I did that and got a lower payment but it was only for XXXX payments that it was lower. I could not pay the amount that they were wanting so I asked about a lower payment. they said they would send me information and a form to fill out to get a lower payment, I never seen one I called in a week after they said that they would send it and they said that they were sorry they would resend it. I have not received anything from the company about a lower payment and now the loan is probably in collections again. I am tired of calling and trying to get this form when I hear the same thing over and over ( we are sorry and we will get that out and you should receive it with in 3-5 business days ). I have been having this issue since I started trying to paying them and I am hoping that I can get this resolved.
I have made Extra payments to be applied to my principal balance and have selected that option. Citibank keeps putting it towards my Monthly balance. This is XXXX me up to pay off my balance quicker.
Equifax has removed an open account from my credit report. I did not request that you remove XXXX XXXX Acct # XXXX. This account was open XX/XX/2015. Please add the XXXX XXXX Account back to my credit file.
I was granted a judgement in the XXXX of GA, XXXX court to garnish a company 's account. Wells Fargo was provided with the court 's subpoena XXXX times. Wells Fargo knowingly provided false information regarding the existence of an account at their institution the first and second time. Their third answer to the garnishment was a notice that the party 's account was finally closed. This action is illegal under federal law.
My account went into a negative balance for 1 day and then the bank decided to close the account even though this was the first time. They then held up my deposits to cover the balance for 2 days. It's in positive balance now, but they still say they're going to close it. I got a letter saying they asked me for more information and because I did not provide it, it will be closed. But they did not make such a request. Now I get an email from them saying my deposit statement is available online for my account ending in XXXX. But my account ends in XXXX. They may be upset at me because I filed a dispute for {$4900.00} against a moving company that ripped me off and would not pay for damages. It's outrageous that the bank decided in their favor. I did email them one heated message. Then I filed another dispute for the 2nd charge of {$1400.00} against the same company and they rejected that one also in record time. I feel the dispute call center in the XXXX is against me. I explained to them that the movers used my own shower towels & linens to pack my fragile items and broke my stuff, but they didn't want to hear it. This moving company is mentioned in over 4700 lawsuits ; they're notorious. I expected the bank to be there for me at this time. What a let down.
I informed the third party company 3 months ago I am unemployed and homeless and will not have any monetary payment until I get back on my feet. They continue to call me repeatedly XXXX a day leaving voicemails and threatening to take legal action.i
Wells Fargo dealer services repossessed my travel trailer. This was a voluntary repossession on my part. I became permanently XXXX. I am XXXX % service connected XXXX and receive XXXX, I could no longer afford the payments. After repossession however under XXXX state law I was suppose to receive notice of sale in writing, which I was never provided. Wells Fargo Dealer Services has been unable or unwilling to provide proof of notice. This is a violation of law, therefore Wells Fargo must cease all credit reporting of this account on my credit reports, it must be deleted.
I was checking my credit report and found that XXXX XXXX XXXX, XXXX, and CREDIT PLUS all did a hard pull in XX/XX/2017 without my permission or knowledge. It will take two years for this to be removed unless they each remove it.
Around XX/XX/2018, there was were faulty plumbing, wiring, and heating unit issues in the property I was renting/leasing at the time. I was told by the landlord that it would get taken care of immediately. It never get taken care of, as a result, the electric bill for one month alone was over {$1000.00} due to these faulty issues. The landlord was supposed to pay this bill, since it was his fault. However, instead this was charged to me. I was not informed this would affect my credit, but since I could not get any hep from the landlord, I did my best to pay this debt anyway. I never received any notice that this would be transferred to collections. However, when collections did call me earlier this year, I still attempted to settle the debt by getting on a payment plan for the sake of my credit. They told me that this would not be reported negatively on my credit report if I began a payment plan. So I proceeded. I have discovered that that they STILL reported negatively on my credit report, and this is hurting me terribly. All this for a debt I do not even owe. I can not get any help on this matter from the company collecting the debt currently listed on my credit report CREDIT MANAGEMENT LP. I also could not get help from XXXX XXXX XXXX who initially charged me such an outrageous bill from a faulty home that the landlord was supposed to repair. I was never even notified in writing about the outstanding balance or that it would be sent to collections. I spite of all this, I am still on the payment plan and am working to pay off this debt I should not owe as agreed when promised it would not affect my credit report if I took action. With that said, I would like to please get this negative remark removed from my credit report ASAP. Although I wish I did not have to pay this at all, I understand someone needs to pay it and I know my former landlord will not. I truly appreciate any effort on this issue.
XXXX XXXX and XXXX XXXX ran my credit multiple times after being notified that I was not purchasing a vehicle at their dealerships. There are a total of 6 hard inquires from XX/XX/XXXX to XX/XX/XXXX. I only authorized 2 of these hard inquiries. They did this in an attempt to negatively impact my credit score.
It is equifax and they wo n't let me. When ask the identifying questions, they show XXXX items including a mortgage and XXXX credit cards, none of which are mine. Then they wo n't let me go any further. They also have an incorrect address for me on XXXX XXXX XXXX, in Mississippi. Which they wo n't take off
I 've been having problems with my checking account and overdraft charges. It 's gotten so bad that I 've been sending my auto loan payment in to the same bank late now for a few months. Is there anything I can do to try and get these fees refunded to me so I can breath again?
So here is the story. In XX/XX/XXXX, not long before XXXX, I visited my favourite watch store, XXXX XXXX at XXXX XXXX and XXXX XXXX in New York. The sales person convinced me to put the XXXX watch I wanted on their store credit card, which is a TD bank card. The sales rep emphasized not having to pay interest for 24 months and misinformed me that if for some reason I can not pay off the full balance by the time the promotional period ends - which was XX/XX/XXXX - I will only have to pay interest on the remaining balance on the account, which is obviously not true. I thought I had about {$1500.00} balance left on the card and when I went online to make my payment, I saw that my balance was now almost {$3500.00}. I immediately called them up and they told me that the extra {$2000.00} was the added interest that accrued during the 24 months since I did not pay off my card by XX/XX/XXXX. I tried to make a deal with them and said I am willing to pay {$2000.00} at the time of the phone call and close the card and be done with it but they said no.

On Friday, XX/XX/XXXX at XXXX XXXX my wife called the phone number XXXX listed on the back of XXXX 's XXXX credit card. she was connected with a representative by the name of XXXX, to whom she explained the situation. She asked her to have the interest removed or reversed. The rep said she was not authorized to do so, so she asked her to connect her with her manager. After a little while, a male manager by the name of XXXX or XXXX came on the line and she explained the situation to him as well. He was very apologetic about the situation and he told her that she needed to put everything in writing and fax or mail the letter to the Department of Complaint. He advised her to make sure that she put down that I was given false information in regards to how the interest was being calculated. He also added that based on my payment history - I was never late with any of my payments and there were times when I doubled or tripled the amount I paid -only when I lost y job, I started to pay lesser amounts, but always paid at least the minimum due - the manager believed that based on my history and my current financial situation, the Department of Complaint should do something to ease the pain and reverse the charges. So my wife wrote a letter and faxed it to the Complaint Department on the same day, XX/XX/XXXX at XXXX XXXX. She was hopeful that it worked. However, yesterday, I received the letter declining our request. 

I have attached the following documents for your reference : 1. First correspondence the Request Letter to remove interest faxed to the Department of Complaint on XX/XX/XXXX & confirmation pages of fax sent.

2. Denial Letter received yesterday in the mail.
Discover credit pulled a bait and switch on me as a consumer. I received a balance transfer offer to get 0 % Apr to pay down my balance in full ; giving me until XXXX 2017. They are continuing to charge exorbitant fees, making it difficult for me to pay off the balance. When I wrote to them stating how difficult they have made things for me, they stated, " Paying down the complete statement each month avoids the charges ''. 

First off, I understand paying down the statement avoids charges. XXXX does not know me. If he did he would understand that the company I used to work for ( XXXX XXXX ) never paid me for the XXXX I turned in -- we 're talking about three years of XXXX. I have filed a complaint with the Dept of Labor about the company, and it has gone nowhere because the USA seems to allow criminals to go free. I am a XXXX XXXX who should have earned a nice living on the project that I was hired to do. Since I have n't been paid, the only source of my pay comes from a small XXXX check. This makes it exceedingly difficult to pay down my debts ... which I want to do!!!! 
I wrote to Discover Credit : " You deliberately did not answer my question. Your company has violated the agreement of allowing a 0 % Apr until XXXX for me, a XXXX American, to catch up my bills. Your answer was emotionally disconnected, and bourgeoisie, but I suppose that 's how you wish your company to be viewed. No. I do not agree with stealing. I will not allow you to steal from me. I am filing a complaint about your company with the FTC ( CFPB ), and will not be paying on this bill or having anything more to do with your shady, lying, thieving, company! 

This complaint is being filed because Discover Credit broke the terms of the agreement, and have charged such exorbitant charges on my account, bringing the balance to a high amount. I received the 0 % Apr offer thinking this was a XXXX that could get my debt to credit ratio down. They do this to low income people to steal their hard earned money and make them think they can FINALLY pay off their debts. I am trying very hard to get out of the debt hole that credit fees, and shady, dishonest people/companies have deliberately made for me. It is a financial hardship to go through this. It IS a bait and switch tactic that Discover Credit pulled and it needs to be reported to the CFPB agency. I told Discover that they are thieves and liars and cause unneeded stress in my life with their shenanigans. I will not be paying any more statements until they revert to the 0 % Apr agreement that was sent to me. They also had no business keeping an unlawful XXXX charge ( I sent back the item over a month ago -- I DO N'T have it!!! ). Their company is designed to run people into debt and needs to be audited for fraud.
I have money in my account and have not been able to get it out for going on about 2 months now. They took my money by letting me link a credit card, but they will not allow me to link a bank account. First - they made test deposits but then their app kept saying the amount I entered was not correct. Then I removed my bank account to start the process over, and have never received any more verification deposits. 

My money ( ~800 ) is stuck in Coinbase with no way for me to get it out ...
I was lied to by a Citibank representative XX/XX/XXXX. He was pressuring me into signing up for the Citibank Credit Protector program ( which I did not want ), and said I would not be signed up until I had mailed in the signed forms he would send me. Knowing that I had no intention of returning the forms I agreed to let him send them to me, just in order to get off the phone with him. However they enrolled me in the program without me sending in any forms, and they charged me {$130.00} for this program I did not want and did not sign up for. When I found out I had been charged I cancelled the protection program and wrote a letter requesting a refund from Citibank. Citibank would not refund me so I cancelled my credit card. Last summer I read in the news that Citibank has been ordered to refund customers like me who were the victim of deceptive business practices, so I wrote a letter XX/XX/XXXX providing them with my new address and again requesting a refund. No response. I have called twice since then - the first time they told me to call back XX/XX/XXXX. Today I called and after 30 minutes talking to people who could not help, someone in the credit protector program told me she would resubmit my refund request for me, then without getting my new address, she put me on hold and then hung up on me. Although I misplaced my statements/proof of charges, Citibank knows the amount - the representative today quoted me {$130.00} which is correct.
I am writing because Portfolio Recovery is on my credit report as the responsible collector for an old cellular phone debt with XXXX. In my attempting to settle the debt with Portfolio Recovery, I requested that the initial debt along with the settlement agreement be put in writing and forwarded to me before payment is made. I was told the representative at Portfolio Recovery that the company could not provide me with proof of the debt in writing because of the state I live in. I am attempting to clear all debts and feel that I should not be forced to pay without receiving proof that they own they debt as well as the terms for settling the debt. I am requesting assistance with this matter.
Call from ( XXXX ) XXXX representing Am Ex promo cruise. Not a member but pushed 1 to talk o a human. Told her I am on the do not call registry. She hung up on me immediately. Tried texting the number and text was blocked No doubt this is a scam My number is XXXX XXXX XXXX. Happened about an hour ago. Any help resolving this greatly appreciated.
I WAS LOOKING OVER MY CREDIT REPORT AND SAW WERE THERE WAS SOME THING I DIDN'T DO XXXX XXXX XXXX, WV XXXX XXXX XXXX, MS a few times XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX, TX XXXX Few times XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, TX XXXX few times