WillisBack/dataset-financial-user-claim huggingface dataset:
Midland funding sued me over a debt that I had previously tried to pay on. I talked to a representative at the law firm of XXXX XXXX XXXX XXXX and we settled out of court for a smaller payoff. I paid the first half and was then told that I owed XXXX and some odd dollars and the whole debt would be settled. I told them great I will have that in a couple weeks I was given the number to call to make the payment. I was told that papers would be sent to the court and the whole matter would be written off my credit report and reported settled once I paid the remaining XXXX dollars, there was also a lien put against my name until I paid the amount. I called back 2 to 3 weeks later as agreed upon and was told that I was given the wrong amount for a payoff and now owed XXXX some dollars. I told the woman that an agreement had been made she said they would review the tapes and get back to me later that day. They never called back, so 24 hours later I called again and had to explain the entire situation again. They said we will review the tapes and call you back in 20 minutes. four hours late I had to call them back and the manager finally spoke with me, she said she reviewed the tapes and that yes the girl I had spoken with had said the incorrect amount IE the {$1500.00} dollars and I did in fact owe {$3000.00} dollars and the woman said that the final amount the girl said in the call was {$3000.00}. I argued that no the entire time we spoke I repeatedly said that ok I will pay {$1500.00} and it will be wiped clean and she agreed. The manager finally said that she could do it for {$1500.00} but it had to be that week or it was no longer a deal. I scrambled around, got the money and paid it. I asked for a reciept or something in writing and she would not provide it, she said I 'd have to wait a month for the papers from the court to be mailed to me. I asked when it would be reported to the credit bureaus as settled and she said they did n't report that, someone else does. Well, It has been several months now and I am applying for home loans after spending the past year of my life cleaning up my debts from my younger years such as this one and this debt is still showing that I have an unpaid balance of {$1900.00} and that it has not been settled. I bent over backwards for them and they have n't held up their end of the deal. They obtained the money through scare tactics and fraudulent communications and my credit score is still suffering.
My credit report has an address in XXXX California where I have never lived. I have only lived in XXXX California in XXXX, XXXX XXXX, XXXX and XXXX.
an unauthorized transaction appears on on my saving account, but i did not lose your card, security code, or PIN or had any of them stolen, i contacted Wells Fargo bank straight away and they told me that they were to investigate and get back to me. 5 days passed and I talk to a banker at my local branch and was told my case was dismissed and was denied as theft their for any money taken from my account wasnt refunded even though I have never reported any theft to any of my accounts. Nothing was return to me.
I am a victim of identity theft. The following accounts, i never applied for, and they are fraudulent and unauthorized accounts : XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX.
I have two XXXX XXXX in my possession. One XXXX XXXX is an individual account, which is correctly being reported to Equifax report. The second XXXX XXXX is an authorized user account, which is not reported to Equifax report. I have verified that the authorized user XXXX XXXX that is being correctly reported to XXXX and XXXX, however, Equifax fails to report this authorized user account. I also I call XXXX XXXX and they told me they are correctly reporting to Equifax and just like they are reporting to XXXX and XXXX. 

I requested Equifax four ( 4 ) times to please verify on your end to correctly report the XXXX XXXX authorized user account with {$1200.00} dollar credit limit. I have been trying to correct this for almost 5 months now. All they do is send another report without correcting anything.
Previous CFPB compliant XXXX. 
NCTUE claimed to have mailed consumer report on XXXX/XXXX/15. 
No consumer report was ever received.
I have several inquires on my report that I didnt authorize. I have file several disputes and the only thing equifax say is : Its factual ... I have faxed them and asked for validation or proof I did it. Equifax in return dont answer my request each fax was issued a confirmation number XXXX, XXXX, XXXX, XXXX, XXXX and XXXX their excuse of not answering my request by fax is they thought it was fraudulent with all my personal information attached and the fax was sent through a secure line. Their stall tatics and the round around they give you for trying to get them to report 100 % accurate information os ridiculous. Then they had said teo of the inquires wasnt reporting on my credit report of course not when you have to dates wrong. These are the inqyires thats in questioning and I want them removed XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ( never been to Texas ) XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
I was told by ditech corporation in XXXX that lf I ordered an appraisal and I have 80 % loan to equity my mortgage servicer would be able to remove the pmi on my loan. I did as requested and they sent an appraiser 5 months later. The appraisal came back away 79 % loan to value, below the threshold and the company refuses to remove the pmi. Further I called XXXX XXXX, the agency that owns my loan and they told me I netf 78 % equity but ditech claims I need 75 %. They are acting in bad faith.
Navient made it difficult to get ahead of my payments from the beginning. I began paying after I graduated in XXXX. What I did n't know is that in the first 2 years of repayment from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, only {$29.00} of my total {$1900.00} in payments would go to my principal. I essentially paid only interest for 2 years. 
On XXXX/XXXX/XXXX I began increasing my payments to around {$400.00} a month up from the {$100.00} minimum. When I chose to decrease temporarily to the minimum because of some life expenses, I was told that my required minimum monthly payment had been automatically increased without my authorization to the {$400.00} I opted to pay - and they would not let me decrease. It took me several phone calls, arguing and being really forceful with managers to get them to acknowledge that my higher payment was a choice, not something I agreed to changing. It took even more force to get them to stop the next payment which was still almost 2 weeks away! I ca n't imagine what the outcome is for people that have less customer service experience or who are not comfortable being assertive. I have asked twice - once last XXXX and coincidentally once again just a few days ago - to make payments by phone paying only the principal and was told that 's not an option. Navient has consistently made it difficult to accelerate paying down my loan either automatically or by phone without paying for interest, which defeats the purpose of making extra payments. At the current monthly minimum I 'm scheduled to pay off my Navient loan in 10 years when I 'm XXXX. 
Has anyone else that made additional payments earlier this week ( I made mine on XXXX/XXXX/XXXX ) that their due date was weirdly not for several months and today lo and behold, the due date is this month?
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX  XX/XX/2018 EXPERIAN INFORMATION SOLUTIONS RE : Requesting a Method of Verification Letter RE : XXXX XXXX XXXX  XXXX   Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, with my address and social security number, dont know how you did it, but, its not correct because XXXX XXXX XXXX DOES NOT have that account number attached to THIS ADDRESS! And you are electing to leave it on my report.

I am absolutely certain that the items I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this deliberate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record.

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

Very Respectfully, XXXX XXXX
I have a XXXX collection in my accounts thati am not liable for & should be closed and deleted off also I have a utility for XXXX $ that has been over 8 years and is closed and should be removed also XXXX in my account for collection was deleted do n't understand why its still there also would like to have my inquiries removed and update address to XXXX XXXX XXXX can XXXX also have XXXX student loans from XXXX XXXX that have been closed and not bad history for 8 years and still have n't been removed please remove thankyou
On XXXX/XXXX/2016, I called my bank, USAA ( XXXX ) to initiate a stop payment on an {$800.00} check for the reason that I had already made the payment over the phone which was significantly less than expected. The check was to be sent by USAA to a credit union ( XXXX XXXX XXXX XXXX ). According the USAA representative, the stop payment was initiated successfully. 
However, on XXXX/XXXX/2016, while looking at my account, the check in which the supposed stop payment was successfully initiated had indeed gone through anyway for the {$800.00}. This caused my account to go into the negative, and initiated an automatic {$400.00} cash advance from my credit card in order to cover the cost. I then called USAA to ascertain why the check had gone through even though a stop payment was initiated. I was told that the representative I had spoken to on XXXX/XXXX/2016 made an annotation on my account in regards to the stop payment but did not actually initiated it as requested. The representative then kept apologizing but told me that there was nothing they could do as the check had already cleared. So here I am left with a negative account balance and a cash advance on my credit card which could involve substantial fees and the only recourse I receive from a bank in which I 've been a member for almost XXXX years was simple apology for their mistake.
On XX/XX/2018, Paypal sent me a notification requesting that I gave proper tracking information for some sells that I had made. Until, receiving the information that was needed, I was told that my funds would be held per their buyers protection policy. After submitting the required documentation, I received an email on XX/XX/2018 stating that their investigation was complete and that my funds were no longer on hold and that I had full access to the funds, this is apart of their Sellers Protection Policy. 

During these days, they also decided to close my account after accusing me of doing credit repair services in which on several occasions, I advised them that. After given them proper documentation, in which I was told was satisfying, I received an email stating that my account was fully restored. However, my account wasnt fully restored and I was told that they would be holding my funds for 180 days just in case of possible chargebacks and etc. When in fact, that is against their Sellers Protection Policy What are the requirements for Seller Protection? 
Initial Requirements Ship to the address on the Transaction Details page. If the item was sold through your site, make sure youre shipping the item to a confirmed address. 
The item sold must be a physical, tangible item that can be shipped. This means intangible items such as digital goods and services arent covered. 
If we request documentation or other relevant information, we ask that you respond promptly ( typically within ten business days ). 
Your permanent address ( listed in your PayPal account ) must be in the United States. 
Additional Requirements For Item Not Received cases : The payment must be marked eligible or partially eligible on the Transaction Details page. 
You must provide online tracking to be eligible for protection. 
For Unauthorized Payment cases : The payment must be marked eligible on the Transaction Details page. 
You must provide Proof of Delivery or Proof of Shipment as described below.
As a point of reference today is  XXXX . I recently wrote a  XXXX  $ check for a friends wedding and post dated it  XXXX  because I would not have fund in my account until my employer paid me on that date. However, I woke up with an alert saying that my account was overdrawn by  XXXX  $ ( Inclusive of an  XXXX  $ overdraft fee ). So naturally I looked at my bank statement and saw that my check dated  XXXX  was cashed and is the reason for the overdraft. When my banks support function opened this morning I gave them a call and they said that it does n't matter when you date your check, if the recipient deposits it they will release funds. At that point, it was clear the bank was n't going to do anything so I hung up and came to the CFPB.
Navient private student loan department has been harassing my employer and myself for the past 3 days. They started calling my job on XX/XX/XXXX. They continued to call on the XX/XX/XXXX and XX/XX/XXXX. I have now been put in a position to lose my job because of the interruptions and harassment they are causing.
I have been trying to communicate with Wells Fargo regarding the foreclosure of my home and the events of what lead to the default of my mortgage. My husband passed, which was very hard for me and took a toll of many areas in my life, emotionally and financially. Wells Fargo was aware of his XXXX   and also were aware of the fire my home endured as well. Yet instead of offering help and guiding me in the right direction, they acted as though it was too late for anything and had me send in paperwork all just to tell me they can not offer me anything. So many things went wrong and I strongly feel this loan is predatory and am having it currently investigated. Not to mention my interest rate continues to go up and up from 7 % to 11 %. My entire pension was going towards the mortgage which was not feasible. Now as an elderly widow, I am being forced out of my home with no options nor help from Wells Fargo. I have just recently hired an attorney whom I hope can help me resolve this matter and put some fairness into this mess. What burdens me the most is this is not the first I have heard about Wells Fargo behavior, and it is putting more stress on my life.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX Dear Consumer Relations : Going over my credit report, I have found it contains many errors. I request your investigation of the following " personal information ''. Please see the attached photo copy of my lease- for your reference. For the record : 1. My name is : XXXX XXXX. Please remove all other name variations IMMEDIATELY- they are not accurate! 

2. My current address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Please remove all other addresses IMMEDIATELY - they are not accurate! 

Please delete these disputed items, as I am concerned about identity theft. Thirty ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX SS # : XXXX DOB : XXXX/XXXX/XXXX
This is with reference to XXXX XXXX & XXXX. My wife and I bought a XXXX XXXX from the XXXX. We took delivery following the accident that we were in back in XXXX when we were hit by XXXX XXXX in the XXXX XXXX XXXX accident. Per the Maine XXXX XXXX, Source XXXX and all Credit agencies to remove ALL negative credit reporting pursuant to XXXX XXXX malfeasance. To date, this has not been done. The Credit bureaus were under the direction of the Maine XXXX to remove information and did not. They can not claim that they did not know or were unaware of the expectations that were placed on them. I want the, Credit Bureau to remove all reporting from both my wifes report as well as my own.
Had an agreement with Immediate Credit Recovery. We had an agreement that I would pay {$5.00} per month for 10 months and then the debt would either be consolidated or reviewed. Tried to send in documentation stating that I was not financially able to pay. The next thing I knew my wages were garnished, now I only have {$800.00} every two weeks to pay my mortgage and my bills. This will put me in a financial bind. I received no mail documentation that my wages would be garnished. This is an old debt and I should not have to pay a 3rd party for a loan that I did not sign originally with
I told them I was unable to make payments and they only suggested I go into forbearance not offering me any repayment plans
I received a prepaid debit card # XXXX thru CITIBANK. The card was issued on XX/XX/XXXX and the plastic card listed an expiration date of XX/XX/XXXX. I believe that this violates the Credit CARD Act of XX/XX/XXXX, which requires a 5-year period of use. I have reached out to the telephone number on the back of the card ( XXXX ) and was routed to a company called " Prepaid Services, '' XXXX XXXX XXXX, XXXX, PA, XXXX. I explained that I need the card to be reissued because the stated expiration date was not in accordance with the time period required under state and federal laws ( the card has not been " activated '' for & gt ; 12 mo. for which fees would apply ). The company refused, citing its agreement with the issuing entity ( XXXX ). 

Please help clarify whether I accurately understand the legal requirements and advise whether I am entitled to a refund of the card amount ( {$15.00} ).
I wrote a letter to this company last XX/XX/XXXX requesting debt validation. To date, I have not received any validation document. I have requested debt validation for two accounts, Account 's XXXX and XXXX. Cavalry did reply ( please see attached copies ) last XX/XX/XXXX. On their letter, they are asking me to send documents to verify my claim. " I am the consumer and it is on their shoulders to provide proper debt validation ''. I have given them enough time to send me what the law requires. They still did not comply.
I received a message on my answering machine from Sentry Credit XXXX on XXXX XXXX at XXXX. Fast talking woman left message saying it was an attempt to collect a debt and to call her back at XXXX. I am a retired XXXX was breached and I am covered by an XXXX paid for by the XXXX. I get monthly updates and have access to all XXXX credit scoring reports from XXXX, XXXX and XXXX. I also receive my credit score each month with XXXX of my credit card bills. I am not behind or late on any payments I do not owe anyone any debts. I believe this is a scam credit collection.
XX/XX/XXXX I checked my account online with CapitalOne Credit card that I have had sinceXX/XX/XXXX I have had excellent credit with them and have always kept a credit " limit '' of only {$1500.00} as I DO NOT wish to get into debt but keep this card for the purposes of increasing my credit score. When I went online today I noticed that we had an " increase '' in credit limit by {$2500.00} which we DID NOT request and when I called to find out why the lady on the phone claimed that it was standard that they proactively increase consumers credit without their permission to assist with emergencies, I also did a chat with them which I can attach as a pdf file to show that they had intentionally wanted to keep me in a higher debt ratio WITHOUT my permission to increase my limit, they had threatened to remove it and lock my account for 5 YEARS. I spoke to XXXX XXXX in Virginia who was very rude and said they would lock the account and then XXXX XXXX and XXXX who all claimed that they can increase our limit without our permission. This is now effecting our credit rating as we keep our debt to income ratio low and now they have increased the credit line which does in fact effect our score.
XXXX is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have 4 loans, they are reporting 6 loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.
Attn Grant & Weber : The last correspondence I sent your company on XXXX pertained to a demand for validation. In correspondence dated XXXX your company sent me a simple itemization along with a demand for payment. The itemization showed the debt is over 4 years old and past the statute of limitations. However your company failed to disclose that I can not be sued for this debt. 
This is a blatant violation of Fair Debt Collection Practices Act. Hence, I hereby declare my intent to bring suit against your company under your failure to disclose information required by FDCPA regulations
Original company : XXXX XXXX XXXX {$94.00} ) Debt Collector : XXXX XXXX XXXX Reason : XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left Pennsylvania 4 years ago and this charges showed up recently. I am single divorced mom with XXXX young children.
XXXX XXXX XXXX XXXX did two inquires in three days for the same thing and XXXX XXXX also did two inquires andXXXX XXXX and they should not have. Also I have inquries from XXXX XXXX XXXX, and three other auto dealer I neevr authorized and I keep telling Equifax and XXXX this and XXXX and they do nothing. I can not even get a credit report from equifax and old stuff keeps reappearing that is over ten years old and I dispute and they will not take it off. I have oevr 6 inquires that should not be on my credit reports. Nobody is doing anything and only giving excuses or giving me an automated system and hiding behind that.