WillisBack/dataset-financial-user-claim huggingface dataset:
Dates are to numerous to list. Have been in a state of forbearance or deferrment since intital graduation in XXXX. Returned to school for XXXX  in XXXX, graduated XXXX, continued on in dual XXXX 's graduated with single XXXX 's XXXX. Told will need additional course 's not in originial enrollment to complete second XXXX. Only needed internship at time. Started XXXX, had to postpone due to husbands XXXX XXXX, payments on loans higher than income permits, income potential has never come close to earning potentials put out by schools. Additionally assert that institutions do no consider hiring their alumni as instructors without terminal degrees as a means of generating greater enrollement. This leads to additional student loan debt and even more hardship on the student. Worse is the latest request for deferrment due to personal health issue. Deferrement granted along with an auto stop on repayment plan, which included a payment adjustment 2x the amount which is now over {$2300.00} a month. They also added over {$30000.00} to my loan balances and increased my interest rate to 10.76 %. News flash.. this is three car payments or a house payment and a car payment. Also, if there was no co-borrower to begin with, than how is it they think they can include income from said source that did not exist when factoring repayment? I have been told multiple times I would qualify for teacher forgiveness, or other types of loan forgiveness by navient staff. Turns out none of them know what they are talking about..
To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains late payments for XX/XX/XXXX-XXXX XXXX, XX/XX/XXXX, & XXXX- XX/XX/XXXX my Capital One account. 

I want you to know that I understand my financial obligations, and if it werent for due to unemployed and many financial hardships, Id have an excellent repayment record. I made a mistake in falling behind, but since then I have created and a strict budget plan and have a better paying job. 

Im planning to apply for auto loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment listed above. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
These items XXXX XXXX Bank is reporting are inaccurate. Report states last payment was XXXX XXXX, but it was in XXXX. They report major delinquency was first reported in XXXX, but it was XXXX. Also amount owing wrong. They say {$390.00}, but account nearly paid off. I requested from them proof of the information they are reporting under the Fair Debt Collection and they never responded.
XX/XX/2018- Received notice from XXXX XXXX service that my TransUnion file had been accessed by XXXX. 
XX/XX/2018- Reviewed my TransUnion report on-line that noted a new phone number was added to my report and an errant address during the XXXX inquiry. I called TransUnion and the representative indicated he would remove the bad phone number. We placed a a fraud alert on my credit report. He advised calling XXXX to see if any account was opened. 
XX/XX/2018 Called XXXX at XXXX XXXX the representative indicated an account was not opened and we should file a complaint with ConsumerFinance.gov to have the inquiry removed from my credit report.
Capital one continues to report an incorrect balance on my credit report. Account XXXX shows a balance of {$1600.00} dollars which is incorrect. Balance should be {$0.00} since account was sold to a collection agency. I have provided verification that account was sold in XX/XX/XXXX. I 've complained to the XXXX and CFPB several times and Capital one continues to ignore my complaints and offer no resolution. All I 'm asking is for the balance to be corrected. This is an old charge off from XX/XX/XXXX i do n't see why you wo n't update the correct balance to {$0.00}? If not corrected immediately I have no choice but to sue capital one.
XXXX XXXX XXXX XXXX, is on the list of Wells Fargo 's validated contractors. We were referred to him by a Wells Fargo representative because we qualified for a XXXX XXXX XXXX XXXX loan to renovate our first home. Our closing date was XXXX XXXX, XXXX. 
1. Per our written contract dated XXXX XXXX, XXXX, and signed contract XXXX XXXX, XXXX, XXXX XXXX failed to communicate with us as the owners regarding the subcontractors he selected and he reduced the Construction Cost Outline on ( page XXXX of XXXX ) from the HUD consultants Specification of Repairs Contract Documents dated XXXX XXXX, XXXX, attached. 
2. This decision was made solely by XXXX XXXX prior to our XXXX XXXX, XXXX, closing date. After our closing date he brought his electrician and plumber to our home on XXXX XXXX, XXXX, and their verbal quotes exceeded what we had signed in our contract dated XXXX XXXX, XXXX. 
3. XXXX XXXX evaded communicating this aspect of increasing renovation costs to us. As the Contractor, he was to ensure that this reduction of cost would not affect us detrimentally. However, his drastic reduction of costs forced us to suffer undue financial hardships that we were neither prepared for nor informed of by him in advance. 
4. XXXX XXXX 's reduction of Specification of Repairs Contract document is {$20000.00}, not including his non-compliance of cost for XXXX water connection {$2000.00}, Well abandonment {$2200.00} and town and state permits. XXXX XXXX refused to submit a sketch of the remodeling of our kitchen and bathroom to the HUD consultant per our new kitchen and remodel bathroom in Specification of Repairs. 
5. XXXX XXXX failed to uphold and adhere to finishing the interior of our home and make it habitable in the two months agreed upon in contract. Based on this signed contract we gave our landlord a move out date of XXXX XXXX, XXXX. To date we are homeless because of his negligence. This is exacerbated by the fact that we have XXXX daughters all currently in school. 
6. XXXX XXXX willfully neglected and failed to replace XXXX Floor Jacks with permanent XXXX '' Concrete filled, Steel Lally Column. He removed XXXX floor jacks and placed a temporary set up that was not according to contract nor state code. Neither did he complete the third XXXX XXXX which left our home unsafe and fundamentally unstable. 
7. XXXX XXXX harassed my husband and I to sign his illegal personal contract repeatedly ( attached ). We never signed it. We insisted we signed XXXX contract with Wells Fargo with you as the Contractor which is sufficient. 
8. He was in breach of contract with Wells Fargo and violated CT regulation by asking us verbally and through text to give him a personal check to purchase items ( attached ). 
9. He supplied no workmanship warranties or guarantees. The XXXX studs he installed split were not compliant with XXXX XXXX XXXX and we had to personally pay another carpenter to undo his work and reinstall the studs according to code ( pictures can be furnished upon request ). 
10. His inability to communicate in a professional and timely fashion was intentional and caused our family to suffer unjustifiable and avoidable consequences ( see attached letter ).
In accordance, under subsection 809, section 1692g of the FDCPA guidelines : collectors are required to send a " dunning letter '' ... or notice of debt to a consumer & make certain that they receive it, & /or initial phone calls for first contact to obtain a valid mailing address. I should have been provided with at least the basic information such as the original creditor, the original debt amounts and notice that I had 30 days to ask for validation of the debt BEFORE this collection was ever reported to my credit. I have never received this from your company. I was also never given the chance to exercise my right under FDCPA to have this debt validated or disputed. Instead my credit has been hit by XXXX XXXX stating that they were assigned to me by a creditor to collect two sums. One being for a total of {$180.00}, the other {$50.00}. After checking my credit reports, i seen these discrepancies & tried to correct them I sent via cert mail on XX/XX/2018 after speaking to you to aqcuire my full account numbers for reference & to state I Never received Any notices of said debt ( s ) from their company by mail & no phone calls ... 
This is illegal since I didn't get this option due to lack of effort on your behalf to hold up your legal obligation of notifying me of said debts you believed to be mine that you bought from the original creditor! Under FDCPA rules there are guidelines that all collectors have to follow to collect a debt and XXXX XXXX has failed to do so in collecting proper forms of contact for me & reporting this as a debt that's supposedly owed by me, to the credit bureaus.
Upon reviewing my most recent credit report, I have found a third party medical collection account on my credit report with, XXXX, XXXX and XXXX with a company that does not have a surety bond with the Texas Secretary of State. According to Section 392.101 of the Texas Finance Code,  they are illegally attempting to collect this debt and are in violation of Chapter 392. I request that they stop reporting this debt and have it removed from my credit by notifying the said credit bureaus immediately. The company that this complaint is in regard to is stated below. 

Optimum Outcomes XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX Debt Amount- {$510.00} Opened on XX/XX/2017
TOOK OUT MORTGAGE WITH XXXX IN XXXX AND THE LOANED SECURED BY XXXX XXXX. THE ORIGINATED MORTGAGE AS WELL AS SERVICED LOAN UNTIL XXXX ( DURING THAT TIME COMMITTED FRAUD AGAINST ME AND MY LIFE ). AND THEN TRANSFERRED TO XXXX WITH A LETTER DATED XXXX/XXXX/XXXX COVERING UO THE FRAUD VIA XXXX XXXX ) AND WITHOUT VALIDATION NOTICE ETC. TRANSFERRED AGAIN TO XXXX, RESIDENTIAL CREDIT SOL. AND NOW XXXX. ALL TRYING TO COLLECT A FRAUDULENT MORTGage accounts and leaving tradeline scaring on all XXXX bureaus.
I have been trying to stay 1 month ahead on my Capital One credit card but they keep charging me a {$25.00} late fee. On XX/XX/2018, they told me that I can't pay ahead because they apply the 2nd payment to the same statement for the month that I had already paid. So, the following month, they charged me a {$25.00} late fee even though I had paid for that month. They told me that all credit card companies do the same. 
Maybe they all need to be investigated and forced to refund those charges to consumers. Just because they all do it doesn't make it legal or ethical.
YOu still have not read the court order that You MUST delete the Bankruptcy in the state of VA ARE you reading????? 

I address the inquires and TOLD YOU AGAIN THE COMPANIES DO NOT RESPOND!!! WHEN THEY DO RESPOND THEY TELL ME THE SAME THINGS YOU DO. YOU POINT THE FINGER AT THEM THEY POINT IT AT YOU. NOTHING GETS DELETED!!!!! i NEED THIS SOLVED!!!!!! 

this IS NOT SOLVED I GET THE SAME XXXX ALL THE TIME. THIS IS why YOU GUYS GET SUITED. DO IT HAVE TO DO THE SAME???? 


i give you everything you ask for!!!!!!! and I still verified!!!! if you have a problem contact the companies that accessed your report. I have done that and they go who are you again??? send us more info!!! send us your picture id done that. send us your diver ID done that, we can find you contact the the credit report agency they placed the inquire on your report not our problem. I ask them remove it .... we ca n't find any record of you ... contact the credit report agency. i do that and you go verified!!!!! 


I need this deleted this is why need people to see this so many poepl have the same problems From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. 
The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. 
I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. 
By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. 
The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. 
This is what needs to be done 6. 
a. remove all fraud alters 7. 
b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. 
c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report I called and the woman on the phone at your credit agency did not believe i was who I said i was but told me to call.!!!!!!!!! 

I need this resolved!!!!!!!!!!
They are reporting an account they do n't own and it was paid to original creditor ( XXXX ) and they are violating FCRA!
XXXX XXXX XXXX XXXX is reporting a debt on my credit report that is not mine. ( Acct No. XXXX ) But that is not the substance of this complaint. Experian representatives will not verify for me the exact name or Social Security Number under which this account is reported. Thus, I can not even verify whether or not there is some error. The representatives take the position, " It's yours, would you like us to dispute it? '' The real kicker here is that when I pressed them for the address under which the service was reported, or even a bill mailed to, they were unable to provide one because, I was told, XXXX  XXXX XXXX did not even report an address to Experian. It seems to me that this can not be legal. I would think that, at the least, the address would have to match something in a person 's credit file, but Experian evidently accepts negative reporting with NO address at all. So someone can just obtain electric service with a SSN and a name that approximately matches? And then the electric company can report bad debt and the credit bureau has NO obligation to even attempt to get the address associated with the service or, at the least, require that a creditor report an address where the bills were supposedly mailed? If this is legal, the law needs to be changed.
Equifax is not properly investigating a matter with XXXX XXXX XXXX. I have a XXXX balance with XXXX and XXXX is still saying I owe on this account and have a chargeoff which is not true. The account balance saying owed approximately {$17000.00}. Equifax needs to send a representative to manually check the records of XXXX so that it can be reflected on my credit report that I have a XXXX balance. XXXX is lying about this account so Equifax needs to properly investigate and this account needs be updated to a XXXX balance immediately.
I had a Home Equity Line of Creidt ( " HELOC '' ) with Bank of America in the original amount of {$100000.00}. The home was foreclosed on back in XXXX. Bank of America ( " B of A '' ) reported that it charged off the debt to the credit bureaus. In XXXX XXXX B of A entered into the largest settlement in XXXX history agreeing to pay {$16.00} XXXX. As part of that settlement, over {$7.00} Billion went to debt forgiveness which was supposed to benefit consumers. For each dollar of debt forgiveness, B of A was actually credited MORE than the dollar forgiven towards the settlement. Rather than crediting collectible debt, B of A did the shrewd thing and discharged debt which, like mine, was completely non-collectible. In my case, for example, the debt was over XXXX years since date of last payment and B of A could not sue over the debt and the lien against the home had been discharged in the foreclosure sale. So B of A essentially " gave me '' the balance of the {$100000.00} loan, as partial penance for its wrongdoing, but the only " benefit '' to me is that I am now XXXX 'd on this debt and have to declare that money on my taxes resulting in a HUGE and unpayable tax debt. B of A, on the other hand, gets credited real money against its fine. So be it. Perhaps I will write to the independent settlement monitor Professor XXXX XXXX XXXX to complain about this practice. 
The issue of relevance to the CFPB is that B of A has refused, on multiple occasions now, to correct the notations in XXXX that this HELOC is still being erroneously reported as a " charge off ''. I have disputed this with the bureaus and each XXXX comes back stating that B of A is saying that the charge off is correct. It is not correct. Like in a bankruptcy case where a debt can no longer be reported as a charge off when the debt is extinguished, the bank has not " charged off '' this amount. It has " paid '' the debt ( leaving itself with a monetary credit towards settlement in excess of the amount of the uncollectable 'paid ' debt and me with a tax burden XXXX of dollars ). The only conceivable thing I could receive out of this settlement intended to consumers like myself harmed by B of A 's practices was to have the loan report correctly on my report. And they repeatedly refuse to do even that. I have all documentation ... the letters to B of A requesting removal, letters to the bureaus, and the bureaus ' 'verification ' of the 'charge off ' status. This is beyond adding insult to injury. It is further unlawful financial misconduct by B of A, under the auspices of a settlement with the XXXX consumer.
Around XX/XX/2018 I was in the XXXX, CT XXXX XXXX XXXX  store. I was only going to buy one necklace as a XXXX XXXX gift, but the price was going to be under {$250.00}. I was told I should buy something else because if I spend more than {$250.00} on my XXXX Credit Card it was interest deferred for 6 months. In total I spent {$480.00} on two necklaces.

I specifically asked them, twice, if I paid the bill off within the 6 months if there would be no interest and I was told yes. In fact, they also tried to talk me in to getting a 20 Mens White Gold Curb Chain for {$1200.00} and said that I should do it then because they didnt know if the deferred interest would be available at a later time.

Over the past three payments I have paid them {$150.00}. My balance is currently {$350.00}. I noticed when I made the last payment that so far they have charged me {$28.00} in interest. It's not a lot of money and I'm less upset with the actual money and more with the fact that I was lied to and tricked into using the card. I could have only bought one necklace and paid cash, but I doubled the order based on false information.

I contacted the card company who filed a dispute that I've heard nothing about since. I also contacted their corporate office and the store via XXXX. I received an email back that said that I would have had to spend more than {$500.00} and put down 20 % in order to qualify.

They never mentioned anything about the {$500.00} limit or the 20 % down, which doesnt sound like it would be part of the credit card anyway. It sounds more like if you were to be going through XXXX XXXX, which they offer and I have used before at a different store. They do require 20 % down, it's. no credit check needed and hooked right up to your bank account, and has deferred interest for 6 months. I would have been happy to do it that way if I was told that that was going to be the way I could get 0 % interest. Like I said I didn't need two necklaces and had cash, so the only reason I did it at all was to take advantage of the promotional interest.

When I XXXX XXXX XXXX and the credit card for reviews, I find many other people who have complained about the same exact issue.

I would like to work something out where I can rectify the issue with the store and credit card company, because I really like doing business with them. However, I am now very upset because I was misled into purchasing additional items so the bill would be high enough to qualify for a program that I wasnt even given. I also am in sales at a car dealership, so I understand that being paid on commission makes you want to upset, which I was fine with ... I even was considering getting the {$1200.00} chain for myself, and now am glad I didn't because that would have been charged interest as well.
On XX/XX/2018, I received a letter from Factual Data stating they had investigated an inquiry made by one of their clients, XXXX XXXX XXXX XXXX XXXX, about my credit worthiness. In the letter they included from XXXX XXXX XXXX, the branch manager states that my credit was pulled on XX/XX/2018 to see if I qualified for some kind of home improvement loan for {$20000.00}. Factual Data failed to show any type of physical proof for my application for such a loan such as a credit application, or even a document showing that I had given my permission for them to run a credit check for such a loan. This inquiry was definitely not initiated by me, the consumer, and I want Factual Data to remove the hard inquiry from all 3 of the credit bureaus, ( XXXX, XXXX, XXXX  ) at once because this demonstrates a defamation of my financial character and willful negligence to damage my credit score under the laws of the FCRA.
Mortgage Company ( FLAGSTAR ), We were engaged in the selling/short sell that change to a foreclosure without any apparent reason? We were not allowed to email and information and kept having to re-fax the same information over and over, until they stated it was too late? They always said " they never received the information and gave us numerous fax numbers. We sent the short sell contract to them, address changes ( divorce ) and kept showing and maintaining the property all the while. Next thing, we find a foreclosure notice, locks were changed on the home ( with furniture still inside ). The recovery company ( new locks ), kept sending the keys to some other address, then we got a Sheriff 's Sale notice. We 're not able to get our furniture and now, this is preventing me and my new wife from getting a loan. This was during a low point in my life ( divorce ) and I just did think anything could be done. Although, by the grace of XXXX our current mortgage told us about you and that I may be able to get some sort of justice. I am just trying to fix my credit and life. Please, let me know what can be done. I want it removed totally, if at all possible. 
XXXX Bless and thank you, so much in advance for whatever you can help us with. 
XXXX XXXX XXXX