WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX 2016, my Income Driven Repayment Plan with Navient was up for renewal so I submitted the application on Studentloan.gov. Once Navient received the application they provided me with a new payment of $ XXXX+. I could not afford to increase my payment at that time so I asked to be placed on another plan that would enable me to keep making my $ XXXX monthly payments. They said that was NOT possible but they could put me on a new plan paying {$150.00} ( the graduate repayment plan ). Did n't make any sense to me but I agreed since I was desperate. They said that once my payment date comes around I would only have to pay the {$150.00}. My XX/XX/XXXX bill was sent to me and I owed $ XXXX+ dollars. I was confused because I thought they had made the adjustments agreed upon. I called Navient a second time ; they told me now I needed to do a voluntary forbearance to correct their mistake. Again I was confused and expressed this to them but I agreed because I was desperate and did n't want the late payment to show up on my credit report. I did the Voluntary Forbearance and payed {$5.00} for the month. My XX/XX/XXXX bill rolled around and still the same issue. No change in payment. I was now angry because again they asked me to do another voluntary forbearance to correct their mistake. So now that is 2 months of interest being capitalized and time wasted with me calling them and completing numerous applications. I spoke to XXXX different individuals and kept getting the run around with each one assuring me that they had solved my issue. I have my fingers crossed to see what my XX/XX/XXXX bill will reflect.
Informed by XXXX that the servicing rights to my mortgage loan was to be handled by another company and as of XXXX XXXX, 2015 they could no longer accept my mortgage payment. Also, informed by XXXX that they were missing a payment that I show through XXXX XXXX XXXX the payment was negotiated ( cashed ) as all payments are sent through credit union. XXXX also increased my escrow requirements more than XXXX just before the transfer and did not justify. I made contact with local tax office and insurer and the billings do not justify the increase. XXXX letter provided a number and address of SETERUS and the contact information failed to produce a person to speak with only a recording of information that is to come at a future date. XXXX says they can not correct the records even with proof as my account is now with this company that is only represented by a recording that goes into a continuous loop.
They are attempting to collect a debt that is over seven years old, since I 've last used the credit card. They are also still adding interest to this out of statute & aged debt as well as falsely reporting it as a new or current debt to the three major credit reporting agencies every month. Midland Funding LLC. should no longer be reporting anything to my credit bureau after XXXX years. They still are. They are also reporting the last activity date in 2015, unfair collection activity. Scare tactics by purposely trying to impact my current credit rating. More of the same acts they have been sued over on multiple occasions. They are a 3rd party collection agency who has also failed to send me my original contract & signature of the debt they purchased.
I believe that the XXXX credit bureaus are grading my credit report in a discriminatory XXXX and allowing companies to add negative items that are inaccurate and are not being properly varified by the credit bureaus. Which has caused my credit score and report to suffer as a result. And, cause me hardship in my personal finances. Which has allowed lenders to disqualify me for different loan products, such as credit cards and home loans. So basically, it 's not lenders being discriminatory, it 's the credit bureaus. Because the are not making companies report adequate evidence to prove the the validity of the claims, which they would not do to other Americans consumers.
To Whom It May Concern/ XXXX XXXX (CEO and President)



I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act (FCRA). 


I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction(s) that I have made. It is the result of alleged identity theft.

CHASE- XXXX XXXX 
ACC# XXXX
Reason: Identity Theft

I am hereby notifying that you are inaccurately and falsely reporting the above account  which constitutes violations of the Act and of my demand that you remedy such violation within five (04) calendar days from your receipt of this complaint. 

This account has been previously been disputed and you did not deleted required under FCRA. 


You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. 


Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act (hereinafter referred to as “FCRA”), “Civil liability for willful noncompliance.” Your company may be liable for:


-	Any actual damages I sustain due to your failure to delete this item;
-	Cost of court action in order to have the item deleted;
-	Punitive damages as the court may allow; 


XXXX v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
I pulled my credit report about four months ago and I noticed it was a collection on there from Commonwealth Financial Systems , Inc . I had never heard of this before and they did not send me a letter in the mail about about this debt. 
I have written to Common Wealth Financial Systems, Inc three times since about XXXX 2017 asking for Validation of this Debt and a HIPPA Authorization. I also asked them to please do the following : - To please provide a breakdown of fees including any collection costs and medical charges - To provide a copy of my signature with the provider of service to release my medical information to you - To Cease any credit bureau reporting until debt has been validated by me.
Both Exeter Finance and XXXX XXXX XXXX, pursued a judgement against me in XXXX XXXX, XXXX, The judgement was n't granted due to : No payment was made from me since XXXX and I acknowledge this in court and the statute of limitations ran out for both companies to pursue a judgement. On my credit report it was dated that Exeter were remove its account in XXXX XXXX, because the 6-7 year reporting time were expired, so far both companies have reported illegally that I 've made payments since XXXX & XXXX, this is n't true and I would like both accounts removed off my credit immediately. Or, I 'm suing them and the credit bureau for consisted inaccuracies, out dated information. I also have documentation from the judge. Thank you, Please Help Me Put An End To This
Wells Fargo allowed $ XXXX to be illegally transferred out of our Homeowners Association savings account in XX/XX/2018, by a hacker who stole our XXXX/XXXX identity. Wells refuses to put the funds back in our account even though it is FDIC insured, and the amount had to be reported since it was $ XXXX. They say they need a summons or legal document to pull the IP address of the computer that accessed and transferred the funds. So they want the Association to spend upwards of {$2000.00} to hire an attorney, open a court case and get a subpoena. And all because of their error. This is a small non-profit Homeowners Association. Jumping through all of their hoops would put us in further financial distress. Again, this was the banks error. Wells is being a bully and making us jump through hoops and incur additional expenses all because of their lack of due diligence.
In XXXXl 2017, we were driving from Florida back to Kentucky through Georgia. We drove on a toll road without being advised that it was a toll road. After filing entrapment complaints, we decided to go ahead and pay the fee. We have received three threatening letters from Professional XXXX XXXX, XXXX in XXXX threatening us by damaging our good name and credit rating. I have repeatedly called and the answer I get is that the threatening letters are computer generated. I am tired of receiving threatening letters from this company and demand a written apology and a promise to stop this practice.
On XX/XX/2016, I bought an electric dryer from Sears. I needed a gas dryer so when they came to deliver it, they said I bought the wrong XXXX and it was returned to sears. I then bought a gas dryer. At the end of the month, I receive a bill for the gas dryer and electric dyer. I called sears and said I never received the electric dryer because I have the gas dryer and they said they would remove the charge. The next month, the electric dryer charge is still on my bill. I called again and they said they would refund the purchase. Basically every week since that month, I have been asking Sears to remove the charge from my account since I never received the product and they promise to fix it and do nothing. Meanwhile, I m being charged interest and late fees on a product that I have never received. This is the only charge on my sears card and I refuse to use my card until this is settled. I have even started recording my conversations with sears as I am planning to take this to court if it is not resolved by the end of the month. It has been XXXX moths since the date of purchase and they have yet to resolve their mistake.
After reviewing my credit file I notice XXXX accounts that are the same account being reported on my credit file. Under the FCRA, it 's not illegal for birth to be reporting but under the law they both can not be reporting a balance. I have disputed this information several times and the credit bureau continues to state this information is correct. Under the FCRA sec XXXX this is an illegal practice and they should know this can not be done. XXXX both items with a balance has help destroy my credit worthiness and it 's a violation.
First off as usual another government XXXX up. There are no categories for what happens. I DO NOT have a student loan yet they call 3 times a week at all hours. This time it was from XXXX. Of course the do not call page doesn't work and I doubt this will help either but go ahead and surprise me. I bet if I threatened some politician I'd get immediate attention but I'm not. I'm begging you to stop these calls. Trace this number, I know you can and lock them all up for harassment. I 's gladly fly to California to testify.
I was several years ahead on my mortgage when I ran into problems XX/XX/XXXX. PHH said they would work with me and said if I made three payments of {$490.00} they would refinance with me at the end of the trial period. At the end of the trial period I signed the documents and sent them back. They refused to accept the agreement. This year I have been making payments still at {$490.00} per month and PHH refuses to talk to me, is slow crediting checks, hanging on to them up to 3 weeks before depositing, and refuses to give me a payoff amount, constantly sending me foreclosure notices despite the fact that I am still approximately 3 years ahead of my maturation date.
XXXX XXXX XXXX acquired my credit card debt took me to court in XX/XX/XXXX the judge dismissed case of the length of time the debt was inactive. in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX tried to garnish my wage from XXXX XXXX.I was to served court papers to go back to court.I finally sold my home in XX/XX/XXXX and had to pay a lean of {$27000.00} plus for the lean.
XXXX charged a regular monthly charge of {$8.00} on my credit card. I had never had any communication with XXXX and never authorized any payment to them. I believe the payment was charged due to my wife 's card expiring ( she had an account with XXXX ). However, I view with great surprise that XXXX will allow a husband 's account to be debited where a wife is not paying, especially with a digital good where the most sensible resolution is simply to stop the subscription. I already spoke with XXXX ( customer service ) and XXXX ( Fraud dept ) but they did not offer a satisfactory resolution and could not explain how this had happened.
I was on vacation through my current time share company, XXXX. I was recruited by XXXX for a sales seminar for another " higher '' timeshare that was for the parent company, XXXX, of what I already have, XXXX. First, we were scolded that we did not " check-in '' at the " help '' desk until 3 days into our trip. Now I know that those 3 days are 3 days that they have to keep us from looking at the paperwork. I was lead to believe that I was just getting a " deluxe '' program of what I have now. I NOW realize that I have a MORTGAGE with ANNUAL maintenance fees close to {$1000.00} and also MONTHLY fees of almost {$100.00}! My boyfriend was present and he was unaware that they just sold us a MORTGAGE!!! So it was not me no hearing them. We were there for about 4 hours. At the very last 20 minutes, we were put into a different room with another person who put all of these pages in front of me at a rapid pace to sign because she had to be somewhere with her daughter. I was NEVER told that I was BUYING a piece of PROPERTY! I was really misled. The next day I called the man who had taken us to the sales seminar, XXXX, to ask him about the paperwork and mortgage and he said he would talk to us in " 30 days ''. I do not understand what is the importance is of " 30 days '' and why he would not talk to us just 24 hours after spending 4 hours with us the day before! XXXX had asked me if we wanted to see this place and we thought it was just another time share and said no. He SHOULD have said " YOU JUST BOUGHT THIS PROPERTY/ MORTGAGE AND SHOULD LOOK AT WHAT YOU BOUGHT! '' But, he did not. If he did, I would have known I was scammed. I tried to call XXXXXXXX XXXX XX/XX/XXXX to discuss cancelling my contract but the office was closed when I called at XXXX XXXX. Looking back, it was a total card trick. I just want my XXXX back. XXXX salesmen are unethical. I just want out of the contract.
I tried contacting the collection agency, but my certified mail was returned. I can not get in contact with the agency.
I have XXXX judgments on my credit report affecting my application process with future prospective landlords. The last name does not match mine or the addresses or date ranges and information that was provided by past landlords. XXXX landlord name I do not recognize but address matches to a location I lived XXXX years prior to judgement claim. Ultimately names and information do not match and also unknown.
I had a discharged bankruptcy in XXXX. It is nearing XXXX years, and I was told by an attorney to ask for this bk to be removed from all credit bureaus. Some of the bankruptcies are supposed to drop off between XXXX years. I have submitted a request for removal before on at least XXXX credit bureaus. The other one ( I think equifax ) requires a XXXX digit code from the item listed on the report. That XXXX digit code does not exist on the page I was to look it up on. I was unable to create a dispute or a request for that bankruptcy to be removed since I 'm past XXXX years and so close to XXXX years.
I 've received several calls from piedmont credit and collection. They 've even began calling my precious landlord. I finally was just able to get ahold of the company and they had all of my personal info and told me that if I did n't pay {$650.00}, I 'd be served and taken to court. The person just kept saying " well see what the judge has to say. '' This is ridiculous.
Hello, I have a collections account under my XXXX report from I C System trying to collect a debt for XXXX XXXX but I do not owe XXXX anything. 


I called to confirm and they couldn't identify any ties between my account and I C Systems. 

When i called and told I C Systems this, they couldn't assist me in anyway but to get me to settle for a cheaper amount on the spot. 

They said I have to take it up with XXXX but XXXX told me to contact the CFPB to get it resolved.
Multiple contacts by the lender to attempt collection from me on XXXX loans which were XXXX under chapter XXXX bankruptcy. The lender also has continued to report an active updated payment status monthly to the XXXX major credit bureaus.
I filed a bankruptcy in  XXXX  there are inquiries on my report I am not aware of. I was under  wage earner    from  XXXX -  XXXX   when I was discharged. In  XX/XX/XXXX  an inquiry was done for   XXXX   XXXX  ,  XX/XX/XXXX   XXXX , XX/XX/XXXX    XXXX   XXXX  .  XXXX   XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX . I never heard of   XXXX   XXXX   XXXX   XXXX   until I learned I was a victim of identity theft.
In XXXX or XXXX, my mother added me as an authorized signer to her XXXX/XXXX   card in order to help my credit. I have never made a purchase on the account, it was solely to help build my credit. It is being reported with me as a joint account holder rather than an authorized signer and is reporting to all 3 credit bureaus ruining my credit. I have disputed this information with XXXX and the collection department. They are unable to provide me with my signature on the terms/conditions, any signatures of purchases Ive made, or anything linking me to this account as joint. This was an error on XXXX and needs to be removed from my credit. Its unfair that they cant provide anything to show Im joint on this account and its abusive to allow it to affect my credit negatively when its not my debt. Ive asked for documentation with my signature on it and they sent statements. This needs to be resolved immediately.
Credit Central South XXXX XXXX XXXX XXXX XXXX XXXX their phone is XXXX. This is a loan company that harass me and my mother. I received a checked in XXXX. The due date for the first payment was XXXX XXXX XXXX. They start contacting my mother which she 's my reference XXXX XXXX. Never called me and called my reference too early. Then they start coming to my house which my XXXX XXXX daughters are there. I was at home on of times they came by. They viewing really long and hard and more than one. The last visit to my house was today while I were at work. Please contact me to let me know what I need to do next.
I called the gas company to shut off service at the curb as I had explained that we had already moved & nobody would be there to let them in. They said that would n't be a problem. After receiving this bill, I was told that while there to shut the gas off, a male came to the door & told them not to shut it off, & for some reason, they listened & kept the gas on in MY name. I was never even contacted with any questions or concerns about this matter, they just stuck me with the bill. There is no reason that I should be held financially responsible for a squatter, in an abandoned house, because of the XXXX XXXX Co workers complete negligence, yet when I spoke with a representative, they told me that I am responsible for it. Absolutely not.
I hve an acct that does not belong to me that has reported on my credit file from your company enhanced recovery XXXX
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I was charged " discount points '' on my loan without my permission or request. Fortunately I read the final paperwork and cancelled the loan, Also the fees for the loan were much higher than market rates. 

Date was XX/XX/XXXX and the amount was {$3000.00} for the points. Company was Quicken Loans
I think it is unfair that banks can force you to forfeit your interest when you are closing your account. BancorpSouth charges a {$6.00} fee to send you a check to close your account. Therefore, I brought my balance down to {$0.00} myself on XXXX, then closed the account. The interest it earned was forfeited to BancorpSouth on XX/XX/16 through a DDA charge because the amount was less than {$6.00}. They claimed they could not electronically transfer the interest to my funding account. I think that is unfair that you either pay a fee to them to close the account or forfeit your interest earned because it is less than {$6.00}. An electronic transfer costs the bank next to nothing.
After pulling my credit report I found a report that showed I had a " Return Check '' for {$50.00} to " XXXX XXXX XXXX ''. I wrote the Collection company and the Original creditor : " XXXX XXXX XXXX ''. I heard back from both. 

The collection company, Trident Asset management, LLC, wrote me back stating that they were sending the debt back to the creditor and closing my account. 

I received a call from " XXXX XXXX XXXX '' from a person by the name of XXXX XXXX who called seeking more information. After finding the information she never sent the documentation to me for me to address. How am I suppose to pay a debt owe if the Credit wo n't send me the information?
This debt is not mine and has previously been removed from my XXXX Credit report. This company " North American Recovery '' continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report, but XXXX stated it was verified by North American Recovery but XXXX companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting North American Recovery provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When they fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with XXXX on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If North American Recovery denies this I can down load proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and North American Recovery needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all XXXX of my credit files where it is listed XXXX.
I paid my vehicle off and received the pay off letter from Santander Consumer USA on XXXX/XXXX/2015. The letter states to allow 30 days for the credit reporting agencies to update their records. As of today 's date, XXXX XXXX, 2015, XXXX shows the account as a Repo with an out standing balance? The vehicle was taken XXXX XXXX and I picked it up the same day? The following month it was paid in full. Santander credit dispute department states they forwarded the information to all XXXX credit reporting agencies. XXXX is saying they never received it? The 30 days to update has passed. I would like for the status of that account to show " Paid in Full ''.