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 since XX/XX/XXXX. Acct number XXXX Company named ECMC 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 regions was the original creditor I never received student loan through regions 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 XXXX ( acct XXXX ) opened XX/XX/XXXX and ECMC 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 I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation.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 Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question.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.
I received a bill today for an escrow shortage and a notice to foreclose on my residence. I have made all payments for real estate taxes and insurance for several years. This is a fraudulent charge.
I had an cellphone with XXXX wireless, I had to cancel contract after over 5 years of service due to job loss. At that time I had a bill of about XXXX. After almost 5 years, I did n't think the cancellation fee applied to me. XXXX sought after debt collection agency pinnacles with XXXX account, ( XXXX ) XXXX and ( XXXX ) XXXX. I feel even if I cancelled my contract I do n't owe those amount. I only had XXXX phone on the account. Now pinnacles has sold my information to another debt collection agency called XXXX collection bureau. At this point I need them to give me proof I how I owe that much. If it ca n't be satisfied, then it both pinnacles and XXXX needs to be removed off my XXXX credit reporting bureau asap. I will fax over all documents. Pinnacles account for both debt are the same with the change of at least XXXX character, as if they tried to create another account.
Im opening this complaint because Im having an issue with my XXXX   XXXX XXXX. Please see the following details : - Approximately a month ago Id learned the somehow XXXX XXXX XXXX was given a dispute letter which was intended for and submitted to XXXX XXXX. 
- First, I dont know how XXXX  XXXX XXXX receives a copy of a letter pertaining to a loan that does not belong to them. 
- Secondly, I dont know why representatives at XXXX XXXX XXXX did not thoroughly read the letter upon its receipt as it named a private lender who it was intended for who is not XXXX XXXX - Instead, XXXX XXXX XXXX has removed my Student Loan Information from my credit as of to date - That means Im now not getting fair credit reporting on students belong to me as I am still responsible for paying the bill each month - Ive now contacted XXXX  XXXX twice regarding this issue. Once approximately in XX/XX/2019 and the other on today XX/XX/2019 - I dont remember who I spoke with in XX/XX/2019. The person I spoke with today is named XXXX. His ID is XXXX. 
- The reason has become a XXXX XXXX XXXX issue now is because XXXX XXXX XXXX didnt read the letter for XXXX   when they first mistakenly received it. 
- Even after I called them about the mistake in XX/XX/2019, they still didnt get the manner handled properly This was so very simple and could have been avoided. All the original area /representative who received the letter needed to do is realize the letter was meant for another company ( private ) and not meant for XXXX XXXX XXXX . Instead, all or portions on My student loan information got removed from my credit report ( s ) which is very damaging as it has caused a major drop to my credit score right during my home search and buying process. XXXX XXXX is now showing as a closed account when it is not. This is not fair to me as a consumer making payments on my XXXX XXXX accounts. Im not happy about this as Im sure no one else would be.
I have contacted Equifax and I have sent them documentation showing that the creditor gave the wrong information on the judgment and they have refused to remove/or update this on my credit record. The creditor XXXX XXXX had a property management company XXXX XXXX XXXX to manage his home. I got behind on rent in XXXX of 2010 and they filed an eviction. I paid the rent and all other fees on XXXX XXXX, 2010 the property managment company acknowledged when it was paid and reflected the correct date on the information that they sent me and to the courts. The credit bureaus are refusing to update the correct information and is causing my credit history to reflect negatively.
My husband lost his job and was out of work for a while. I'm under doctor 's care and unable to work. I called GM Financial to ask for a deferment, after the deferment I was still unable to make the car payment because we had gotten behind on other bills such as rent and utilities and had to apply for government assistance for food stamps. I called GM Financial on XX/XX/XXXX, I spoke with XXXX in acceleration department where they do the repossessions and her ID XXXX, XXXX told me that not only were they going to repossess my vehicle but that they were going to garnish my wages and garnish every single income tax refund that we get until the loan is paid off. I told her that in Texas that was against the law, she said it would happen anyway. I asked her if this is being recorded because she's incorrect and she said yes it is being recorded and we're going to repossess the vehicle.
On XXXX XXXX, 2017, Equifax Inc.announced a cyber security incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XXXX through XXXX XXXX. 

According to www.equifaxsecurity2017.com, my credit report information may have been compromised : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
I, XXXX XXXX demand a complete purge of my personal information from an original creditor, a debt buyer and a debt collection agency. In fiscal year XXXX I filed for personal bankruptcy under case number XXXX, XXXX XXXX of Pennsylvania, United States Bankruptcy Court. At no time was a debt ( s ) from XXXX needed as my debts with XXXX were charged off in fiscal year XXXX, and the statute of limitations had run out on enforcement and/or credit reporting. As the Consumer Financial Protection Bureau is aware that the debt collection industry is broken, it does not give the right for federal collection laws under the Fair Debt Collection Practices Act to be use illegally. I attach XXXX recent collections mailed to me that are not legal, but my information can be considered stolen and now an identity theft issue that I must submit complaints about to the Office of Attorney General, Commonwealth of Pennsylvania. The Fair Debt Collection Practices Act is being violated as follows : XXXX no longer has a legal right to collect under restrictive guidelines in the Commonwealth of Massachusetts, as well as under the Fair Credit Reporting Act to report on credit, or the right to maintain a collection under the Fair Debt Collection Practices Act. Essentially, XXXX had a responsibility to purge my file and my personal information such as my social security number. My personal information has been illegally shared with a debt buyer known as XXXX XXXX XXXX XXXX and a debt collector named Monarch Recovery Management , Inc . 
Monarch XXXX Management , XXXX, claims that they are collecting a debt on behalf of a debt buyer named XXXX XXXX XXXX XXXX. There is no historical connection of a purchase of any debts from XXXX, XXXX, and my information was obtained by an illegal debt pooling process XXXX uses to obtain collections that are no longer legally enforceable. This is pure identity theft by a debt buyer and their counterpart collection agency known as Monarch Recovery Management , Inc . 
I am showing proof that illegal collection activities still go on in the United States, even after the Federal Trade Commission and the Consumer Financial Protection Bureau has fined these types of illegal activities in the millions of dollars. I demand that my files must be purged by XXXX, XXXX XXXX XXXX XXXX and Monarch Recovery Management , Inc. permanently. A follow up complaint will be submitted to the Office of Attorney General, Commonwealth of Pennsylvania within 30-days if I do not receive a purge letter from all three entities.
Experian, The way the system is set up, it discriminates ( see attached XXXX pages ) against people that pay their bills on time. In my case, not only are they discriminating against me, the Credit reporting agencies have wiped my credit history out and have dropped my credit score down to XXXX from XXXX. It 's as if I have never had credit, I 'm being treated as if I have BAD credit. Auto/home insurance rates have gone up. If I borrow money my interest rate has gone up 1.5 %. I 've been denied credit cards and my checks are being denied by a company called XXXX, due to my credit score. XXXX will not authorize my checks. As of today ( XX/XX/2016 ), my score is XXXX. 
I want my credit score to reflect my outstanding payment and credit history over the years. Not just the past three months. 
Question : How is this system fair? As stated above, the credit reporting agencies are set up to discriminate against individuals that pay their bills on time or early. If you read their own definition/explanation. the credit reporting agencies what to force you into debt in order to obtain a higher credit score.
Dear CFPB : Please help. 
The following has occurred with Wells Fargo bank Checking account ( 1 ) The bank has unilaterally and arbitrarily assigned limitations of fund transfers including wire transfer within the United States of America and to other Wells Fargo accounts ( 2 ) The bank refuses to resolve and or lift restrictions ( 3 ) The bank imposes unreasonable requests : a. Going to ATM b. Locking out online c. Demanding to go to branches d. Foreign non-native English speakers in non-US-jurisdiction countries to handle account data and management ( incremental risk created by the bank ) e. The bank outsources data operations to unverified third parties like XXXX ( unregulated data, lacks privacy, bad data, and mostly bias ) We have been trying to send funds to a University for a XXXX degree. The bank has delayed, prevented, disrupted, and or/demanded unreasonable requests. Moreover, failed to disclose why and any legal grounds does the bank to withhold and/or prevent transfers to another bank of over {$5000.00}. 
There no law in the US that demands a BANK impose its own jurisdiction over deposited cash funds for self-interest. The account holder has not verbally or in writing agreed to impose this financial restriction on the account. 
Wells Fargo has a rogue history of discrimination against minorities and imposing artificial barriers to transfer funds including assigning risk onto accounts based on XXXX demographics. This violates the American and international law, norms, and values, notwithstanding unethical and illegal banking practices. 
The cost of travels to a branch and time, with the risk of penalties for failing to make timely tuition payments, is unacceptable, thus the cost must be passed on to the bank. 
In regards to human toll and the experience : my mother is in a wheelchair, she needs me to be at home and with her. I can not make extra travels to the bank just so they can prevent me from transferring my own money. My opinion is that American banks operate much a criminal cartel syndicate than reasonable economic stakeholders and partners to the American people. I am also being extorted amounts of {$30.00} for wire transfer, notwithstanding emotional stress as the cost for gas and time of travel. My mistake? depositing my funds with Wells Fargo. This mimics XXXX era financing and banking practices. Anyone with a Ph.D. degree on XXXX finance and banking laws and its restrictions on undesirables will be able to draw inferences and similarities to the banking cartel operating inside the US. 

Thank you
My small business phone receives messages from RSI Enterprises at least twice a month stating that they are calling about dept collection. I am trying to conduct my business and these messages are being relayed to my employees that answer the phone continuously.
XXXX XXXX XXXX XXXX XXXX transfered our mortgage to CARRINGTON MORTGAGE SERVICES LLC at XXXX XXXX, XXXX CA XXXXXXXXand since then XX/XX/XXXX/XX/XX/XXXX, our numbers do not coincide with what the new CARRINGTON XXXX claims. which is leading to larger monthly payment. We do not receive monthly notices nor any other updates and seem to have to pay approx {$300.00} more monthly on a house we have been paying on since XX/XX/XXXX. 
Do we need to contact any State or Federal Fraud investigators. Loan was always current. XXXX sold us out.
Bank of America is attempting to change the terms & conditions aka " modify '' of my Line of Credit ( 2nd mortgage ) by INCREASING both the interest rate & Payment Terms from a monthly " interest only '' payment to a monthly " principle and interest " effective this month : XXXX XXXX. I can NOT afford this additional new expense. I have been a dedicated Client of Bank of America since XXXX. I have an outstanding Credit Score of XXXX or higher. 
I am a XXXX single citizen ( age : XXXX ). My only monthly income is my Social Security & a monthly small retirement of {$130.00} which pays for my prescription XXXX XXXX XXXX. 
I am XXXX XXXX XXXX XXXX XXXX XXXX ( 4 years ). I have NEVER been late on any payment. PLEASE HELP ME. My poor health wo n't let me work again. My car is 17+ years old.
I requested Experian to validate/remove a discharged bankruptcy on my credit file. They refused to do so and advised me that this is public record from the bankruptcy. I in turn reached out to the Bankruptcy court here in Michigan and was advised that they do not report to any of the credit bureaus. I certified mailed a copy of that letter to Experian and they have yet to remove this information from my file. As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Experian refuses to investigate.
I have an account on my credit report that is not mine XXXX XXXX XXXX
We prepaid Real Estate Taxes to XXXX County on XX/XX/2018. Called US Bank before paying and they said send us the paperwork and we will credit your escrow account for RE Taxes that were paid. We faxed information to US Bank on XX/XX/18 that 2018 RE Taxes had been paid to XXXX County in  advance. They did not acknowledge anything. On XX/XX/2018 we called them and they indicated it would take upto 2 months to apply prepaid taxes to your escrow account. Called them up again on XX/XX/18 waited 30 minutes for supervisor. They hung up and never called back. Called again on XX/XX/18 and spoke to supervisor since we received New escrow statement indicating escrow payments were going up on XX/XX/18. 

They claim escrow payments will go up on XX/XX/18, they also claim that they know RE Taxes were paid in advance to XXXX County for 2018 but they can not do anything 2018 RE Taxes were to XXXX County in advance. US Bank has collected RE Tax escrow for XX/XX/XXXX 2018 and want to increase escrow payments eff. XX/XX/18 based on last year taxes and they will not budge from their stupidness. 

Do not understand why they need 15 months of RE Taxes in escrow when 12 months taxes have already been paid.
I am not aware of this XXXX XXXX XXXX XXXX  XXXX , XXXX. balance. I have never seen anything dealing with this lender. Also, I have been threated that in 30 days they will seek to make a judgement on debt that does not belong to me. I understand that they are looking to offer me a settlement. However, I do not believe the validity of such debt accusation. Furthermore, I will not be limited to the action of court threats when I did not receive any notice of debt based on communication. The amount is {$880.00} from XXXX which was acquired by XXXX XXXX XXXX in 2006. I do not claim debt.
chex system is reporting incorrect infomation under my file i had disputed the infromation in my file from XXXX XXXX and XXXX XXXX XXXX they did there investigation and completed it and the banks can not provide anything making the accounts mine expect for one account and the address is not correct either and there reporting it as accurate i called chex systems asking them why they are still reporting the information when they have nothing making these accounts mine XXXX XXXX XXXX can not provide anything on either accounts and XXXX XXXX can not provide anything for one account and the other one is not the correct address i also trying removing address and they will not remove them becauswe what XXXX XXXX states but what they have claiming the account is mine and there proof is not whats being reported to chex systems and also they wont remove it because of an inquiry from XXXX XXXX XXXX XXXX that i never had an account with them and dont recalling tryimng to get an account with them. this is very damaging to me as i can not get a checking account anywhere and they will not remove all this negative information and are still reporting it when they have not been give anytning making it mine please help me
Good DayMy Identity Has been stolen, and somebody tried to open a Bank accounts, Credit Cards in my name, when i submitted Dispute to credit bueraus they are refusing to delete that errors from my fileBELOW GIVEN THE NAMES OF FINANCIAL INSTITUTIONS WHICH ARE ON MY CREDIT FILE AND THEY ARE FRAUDELENTLY OPEN UNDER MY NAME!!!1)  XXXX XXXX XXXX XXXX XXXX  - Date reprted XX/XX/XXXX2) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX3) XXXX XXXX  XX/XX/XXXX4)  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX5)  XXXX XX/XX/XXXX 6)  XXXX XXXX XXXX XX/XX/XXXX7)  XXXX XXXX XXXX  XX/XX/XXXX8)  XXXX XXXX XXXX  XX/XX/XXXX9) XXXX XXXX XXXX  XX/XX/XXXX10) XXXX XXXX  XX/XX/XXXX11)  XXXX XXXX/XXXX XXXX XX/XX/XXXX12) XXXX XXXX XXXX  XX/XX/XXXX13) XXXX XX/XX/XXXX14)  XXXX/XXXX  XX/XX/XXXX15) XXXX XXXX., XXXX XXXX XX/XX/XXXX
Most of the the securely question about my last credit history cant not be answered bc I have nevered applied or had a home mortgage in my life. And to answer how much is my mortgage a month I do n't know the answer bc I never had or applied for a mortgage in my life. I was looking through my Experian credit report on my phone a min ago and before the site crashed Ive seen XXXX CREDITED CHECK 5 TIMES ON XXXX. Half of this must be fraud bc the only time I step foot in a XXXX store was a few weeks ago just to browsed. please I have to this issue resolved bc this is fraud.
XX/XX/2018 {$660.00} I disputed a charge that I did not receive sevices for from XXXX and Bank oF American from XXXX and the charges has reappeared.
These Inquiries I did not authorize. i have also contacted these companies and asked for removal and they directed me back to the credit reporting companies to dispute. Some inquires were done on the same day or some companies every other day. I attached XXXX email from a company I asked not to submit my credit to all these different banks and they done it any way. 
he following information is part of your credit history and is provided to others. 

XXXX XXXX BANK Date : XXXX XXXX, 2016 XXXX RESIDENT SCREENING Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX RESIDENT SCREENING Date : XXXX XXXX, 2016 XXXX CREDITXXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX This item is currently being investigated. Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 THESE ACCOUNT LISTED BELOW ARE NOT MINES AND SHOULD BE DELETED. 
1. XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

2. XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

3. XXXX XXXX BANK Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

4. XXXX BANK DELAWARE Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

5. XXXX BANK Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

6. XXXX BANK Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off.
got behind on account. Finally made arrangements over phone with someone to pay XXXX payments by autocharge/monthly. My understanding - this would catch acct back up. Orginally payments were $ XXXX dollars/month. Today 's bill - after 4 or 5 of these paymts in payment arrangement says I need to pay $ XXXX minimum payment. Apparently everything I 've paid over the past year has gone to late charges & interest. I am no where near catching up after this " payment arrangement ''. They are supposed to review account after telling me when I made those arrangements it was not to catch me up. If not - why the XXXX would I have made such an arrangement ( $ XXXX/month ). I have n't heard anything yet.
Credit reporting agency Equifax was hacked on XXXX XXXX, 2017, affecting 143 million credit users in its database. This was not made public until XXXX XXXX, 2017. I believe I was affected because, over the labor day holiday, I was contacted by the provider of my XXXX XXXX card, alerting me to potentially fraudulent purchases totalling more than {$200.00}. At the time, the Equifax hack details were not known and so I was at a loss to figure out how my card was compromised. The card was always in my possession, had only been used at reputable retailers and both my wife and I use wallets that secure against electronic " skimming. '' When I contacted my card provider yesterday they said they would not be informed by Equifax whether or not their breach had anything to do with my information being compromised, but that the card provider thought it likely.
By way of remedy, Equifax has offered only a free monitoring service for one year, run by them. Signing up for this remedy, by their terms of service, would preclude me from seeking any legal remedy, so it is an unacceptable option.
I am writing this complaint not because you do n't already know of the Equifax hack, but to give you a consumer-related reason to pursue remedies on behalf of the public.
I returned a XXXX XXXX XXXX +++3 MONTHS EARLY+++ to BMW of XXXX XXXX, about a year and a half ago. The day when I returned the lease, the agent helping me took my credit card to pay the remaining amount remaining on my lease term, plus mileage overage, etc. 

I recently received a letter from them stating that I am no in collections for not paying my lease termination amount .... How can this be possible when I purposely returned it early so I could buy another car. They even took the car, and had it on their lot for 3 months before they sent it back! This is what the agent told me later when I called back to complain about why I am being charged again.