WillisBack/dataset-financial-user-claim huggingface dataset:
Sometime between XX/XX/XXXX and XX/XX/XXXX I had a issue with receiving my mail and ultimately missed a payment and contacted Kohl 's Credit to address the issue. In an effort to avoid late payments, I switched my account to paperless and set up electronic notifications which I don't receive ( throwing my hands up ). Of recent, on XX/XX/XXXX to be exact, I had sought an interest in purchasing a home only to find out that the late payment/dispute is still showing on my credit reports and affecting my credit score. On, XX/XX/XXXX, I phoned Kohl 's only to be informed that the resolution letter was sent back in XX/XX/XXXX, however, I have never received that letter, This is why I changed my account to paperless billing for the same reason and requested the original XX/XX/XXXX dispute. I asked if I could get a copy of that letter and was told that I could not receive a email copy and its only paper mail. I again challenged that information in asking that the late payment /dispute be removed and was told that the case would be re-opened and I would receive a letter from Kohl 's regarding my current request to investigate the old dispute of XX/XX/XXXX. The insane part is that I was actually told that it would be removed. Since XX/XX/XXXX and only a few days after, Kohl 's increased my credit limit from {$700.00} to {$1500.00}. It is apparent that they must find me a loyal customer and that I pay my account timely. More importantly, my home approval letter is on hold pending Kohl final resolution. Thank you
Took out a personal loan with Lendmark Financial Services in XX/XX/2017. Since, the statements we have received does not include payment information, interest charge or balances, only how much more we should send them for that month. Every time we call they are saying that they are working on fixing the problem, but it has been since the inception of the loan. Their practice is deceiving as we don't know how much of our payment is going to interest and how much is going to payoff the loan.
I am seeking a Deed in Lieu of Foreclosure. I began the process in XXXX XXXX, and all documents were submitted and accepted by the mortgage servicer. In late XXXX XXXX I was informed the request had been conditionally approved. For the past five months I have received letters from the servicer stating they are actively working on my account and I should have answer within fifteen business days. The letters usually arrived every three or four weeks. I received a letter from the servicer dated XXXX XXXX, XXXX stating my request for a Deed in Lieu of Foreclosure resolution was denied. I believe the servicer unnecessarily delayed a final decision until after the Home Affordable Foreclosure alternatives ended XXXX XXXX, XXXX.
I have asked PDQ Services Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
XXXX, Transunion and XXXX has many unauthorize inquiries and negatives reporting that is hurting my credit scores and opportunity to achieve a VA Home Loan to purchase a home in California. 

Here is a list of Unauthorize inquiries from all three major Agencies. 
( 1 ) Transunion displays 1.XXXXXXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX XXXX 4.XXXX XXXX via XXXX XXXX 5XXXX XXXX XXXX 6.XXXX XXXX  XXXX via XXXX XXXX 7 XXXX XXXX XXXX XXXX. 

( 2 ) XXXX, 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXXXXXX 3.XXXX XXXX XXXX 4.XXXX 5.XXXX ( 3 ) XXXX. 1.XXXX  XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX 6 XXXX XXXX XXXX XXXXXXXX 7.XXXX XXXXXXXX XXXX. 

I am XXXX, Retired Lifetime. Very Urgent Matters on my credit scores and my credit to be in prosperity and Innovation.
Started many programs with Navient to which each year something changes. This time was n't aware the income based repayment program had to be renewed each year. Now they 're telling me that I have to add {$420.00} dollars in interest more to my loan in order to forbearance or it takes 15 days for them to renew my terms. I 'm not trying to keep sending my information every year, I 'm frustrated and want to hurry up pay off my loan. I 'm tired of paying fees and paying for these loans and they are not going anywhere, just seems like they are adding up.
I sent XXXX XXXX XXXX a creditors validation letter to inform me about the collection they have in their office under my name. Accordingly to the FDCPA they had 30 days to respond back to me but they fail to do so. They was suppose to contact Equifax Credit Reporting Bureau in order to remove the debt from my credit report. Below are the documents I sent and the tracking Information. Alone with the deltion letter that should have been sent to Equifax.
My name is XXXX XXXX, and my wife and I were working on our credit reports and we started to research different things related to credit. We found that we could dispute inaccurate information directly with the three credit reporting agencies for which we did and were able to clean up several mistakes we noticed that were reporting. However we also learned that there is a statue of limitations for each type of item that reports and for some reason there are a few accounts the bureaus have continued to list even after disputing that are past the statue of limitations such as : Four accounts with XXXX XXXX Co XXXX, Two accounts with XXXX XXXX XXXX XXXX and the other XXXX. XXXX XXXX   XXXX, Four accounts with XXXX XXXX XXXX, XXXX accounts with XXXX, Two accounts with XXXX XXXX XXXX, 4 accounts with Specialized Loan Servicing and then One with XXXX XXXX.
I signed a lease for a student apartment in XXXX XXXX called XXXX XXXX XXXX in XX/XX/XXXX. I am a dependent of an XXXX XXXX military service member we got notice that we had to move to Washington State in XX/XX/XXXX, I then informed the property manager, XXXX, ( who doesnt work there anymore ), and he assured me hed take care of the situation. In XX/XX/XXXX I received a derogatory mark of collection from Pro Collect in the amount of {$8400.00}. I was also notified that a guy moved into the exact unit that I was supposed to move into in XX/XX/XXXX and he moved out XX/XX/XXXX. I quickly called the apartment complex and tried to resolve the situation the new property manager told me she couldnt do anything about it because she didnt have his emails or paperwork. I asked to get her boss information. I called the regional office XXXX XXXX XXXX and he told me he apologized for the inconvenience and to forward him the orders. I sent XXXX XXXX the orders and he suddenly stopped emailing me. I emailed him four times all of which I didnt receive any response. Then I left a few voicemail and even texted his cell number. Still no response, finally I decide to let him know I was going to take legal action and soon after I got a call from another women from the same regional office telling me XXXX XXXX forwarded her the information however she needed me to send he orders again, which I did - again. Then she told me that the military orders I sent were not the military orders we are used to seeing, which confused me because those are the orders everyone in the XXXX receive when they XXXX. So she informed me I needed to fill out a form, and has since not responded to any emails. I am growing frustrated because This has been a constant issue since XXXX of this year and no one is trying to help me.
The company has asked that I pay a debt for {$3300.00}, {$1800.00}, {$2000.00} Acct. # XXXX that they can't show that I owe the debt i asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I asked the company 's to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, XXXX XXXX XXXX keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has said the Debt has been VALIDATED which is a lie Send Me The Proof and any all of the things I've asked I DEMAND they answer the questions asked of them. I need this for equity court I need to be sent proof of everything listed above.
What happened to my XX/XX/XXXX alert email? XX/XX/2016, the the associate had told me that I had to cancel my debit card in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, XX/XX/2016.
When my husband was laid off, at the suggestion of the credit union, we modified our loan agreement to make lower payments  ( we were paid ahead ) in case we had difficulty making payments. My husband got a job  a few weeks later. We were never late or deficient. We moved and paid off the mortgage completely in  XXXX ,   XXXX  .     TransUnion continues to show that account as " Paying Partial Pmt Agmt ; Closed '' which reduces o ur credit score and re sults it being flagged with " Serious Deficiency ''.     They have continued to do this even after we have disputed it, even after the bank has provided a letter stating the facts of the matter, and even after MORE THAN 7 YEARS after the supposed " delinquent '' account has been closed.
> Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XX/XX/XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

> They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

> They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
My Barclays credit card went missing, I explained this many times on the phone and sent many faxes they requested and in the end they now stick me with the bill. I did n't buy anything and I 've never heard of most of those places. I talked to some arrogant guy on the phone and he said they had me recorded saying it was n't fraudulent charges a tthat time, but that caller was n't me. 

Anyway I did n't make any charges on my Barclays Mastercard since XXXX XXXX, and I 'm billed something like {$6000.00} I will of course never pay and I get bad credit because of the incompetence of Barclays.
On XX/XX/XXXX I received a letter from Coastal Credit LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX Tel : XXXX. I and {$1900.00} left on my loan with them after my vehicle was totaled in a car accident on XX/XX/XXXX from a lady running through a red light and XXXX XXXX XXXX. Coastal Credit stated in letter if I paid 40 % of the {$1900.00} which is {$1100.00} as in letter. <P/>When my insurance ( XXXX XXXX ) learned that I was not salvaging my car they sent over {$1000.00} to Coastal Credit LLC. I then phoned Coastal Credit on XX/XX/XXXX and spoke to a Supervisor XXXX XXXX ( I think that is how you say or spell his name ). I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. <P/>Anyway when I called Coastal Credit LLC on XX/XX/XXXX and said I would like to pay remaining on settlement offered which expired on XX/XX/XXXX.  Coastal Credit supervisor XXXX said I had to pay 40 % on whatever was left on XXXX XXXX and something instead of what was offered in letter. Letter said one thing and Coastal Credit did another thing.
someone with the name given, " XXXX id # XXXX with GM financial, '' claims over the phone that I owe a large sum of money to GM Financial. I have been hung up on by these people several times. I repeatedly request written correspondence via us mail ( a Bill or Statement etc. ) that I may have an opportunity to examine them and take the necessary steps to resolve the issue. Not once has anyone sent anything or provided any documentation to me whatsoever though their reporting to the 3 major consumer reporting agencies has tainted my credit and drastically lowered my score. I had been in the process of pre-qualifying for a VA home loan and now, I am told I can not due to the now very low credit rating. My family life and professional life has been halted completely and I require resolution / remedy. If a person or corporate entity claims I owe them something, they must then present their claim in writing, affording me the opportunity to resolve the matter. They refuse to offer or present any remedy therefore this case is dismissed, account closed, all reporting from GM financial to the major consumer reporting agencies, ie XXXX, XXXX, XXXX, need to be dissolved and completely removed at once.
After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original open date is reporting XX/XX/2011 which is more than 7 years of negative reporting on my credit. This same company has also been reporting under US Dept of Education for the same account and dollar amount. They also garnished my Federal Tax Refund for {$1200.00} well over 7 years ago to repay the amount they are still claiming owed.
I was in a severe car accident back in XX/XX/2016. Due to injuries I could not work nor make my mortgage payments. We filed for mortgage assistance and refiled and refiled for 2 years. For 1 year they told us to pay a forbearance plan. Then they denied us for assistance and stopped accepting mortgage payments. We told them we could make the full payments and they told us to just pay 75 % of the payment. They then stopped accepting payments unless the total pass due was played in full. They sent us a pre foreclosure notice so we panicked and sold the house. Multiply times we asked what our payoff was and they told us a specific number. Then we get to closing and there's a charge for an extra XXXX dollars that was not previously discussed. They had no answers for us when we disputed it. XXXX XXXX is the lender.
A company called FBCS is trying to collect on a debt from 10 years ago on behalf of XXXX XXXX. A debt that no longer exists. I have double checked my credit report and this debt is non-existent. I explained this to them today and claim they will " remove '' the account. We will see. They have called numerous times, but I gave them the run around until I could verify it was a legitimate company and not just a scam. Surprisingly it is a legitimate company trying to collect an illegitimate debt.
Well over 2 months ago, I contacted the credit bureaus to correct an error on my credit report. XXXX XXXX responded a long time ago, removing the error. Unfortunately, I have not heard anything back from Equifax or XXXX yet ; despite several attempts to follow up.
Today XX/XX/XXXX, I talked to customer service about my XXXX XXXX dollar charges for the last the company spokesman at XXXX XXXX XXXX, when asked if they would forgive the 2 fees, sense Im a senior citizen ( XXXX ) on a fixed income and cant really afford this {$60.00} penalty for late payment, they send no. Because I had already used up my one forgiveness and only 1 is allowed. I mentioned my increased confusion and forgetfulness as I age, do you have auto- pay and they said yes. I wish I was made aware of that months ago so I paid my bill on the phone and will set up auto-pay
on XX/XX/2018 I sent an email to XXXX ( attached ) revoking my ACH authorization and asking them to cease and desist all phone calls to me or any number associated with my account. 

On XX/XX/2018 they sent me an email and a text message stating the payment they tried to take on XX/XX/2018 returned NSF. 

I forwarded them the email from XX/XX/2018 advising them again that I had revoked the ACH and sent a cease and desist letter. I advised them again they were not authorized to withdraw money via ACH from my account. 

Yesterday, XX/XX/2018 I received a text message stating they attempted another ACH withdraw from my account and it was returned. I also received a phone call collecting on the debt despite the cease and desist verbiage in my XX/XX/2018 email. 

I have sent several emails to them and even used the " contact us '' form on their website but they refuse to return my emails. 

They are in violation of several XXXX consumer laws and have caused me to be charged fees by them and my bank.
Equifax exposed my personal information. It is their DUTY to protect my personal information. For the rest of my life, I will have to be concerned, anxious, troubled, perturbed, upset and distressed about my personal credit information being exposed!
Equifax is the company I am complaining about. Are credit bureaus regulated?
I work at a XXXX XXXX and we have 6 audits every year!!
Who is involved? The WHOLE COUNTRY.
What steps are the CFPB taking to control this situation and regulate the bureaus?
This is very unsettling.
I ASKED THEM TO PROVIDE ME COPIES OF DETAIL LETTER FROM THE CREDITORS FOR ALL THE INQUIRY IN MY ACCOUNT. BUT THEY ARE SAYING ITS VERIFIED.
I went through a rather opaque process of trying to increase my spending power for my American Express card for a family trip I am planning in XX/XX/2018. The online chat agent was very helpful and told me to call the Account Services phone number. When I called them, the agent there was very friendly as well but gave no specific reasons as to why they couldn't increase the limit. He mentioned that it will increase from time to time, but it's been 18 months of good standing and I still don't have any more clarity into actionable reasons as to why they can't increase the limit. It's forced me to pay intramonth, which is more an inconvenience than anything.
A payment of {$17000.00} was posted to my account by a third party. I called Bank of America and specifically asked if this payment had cleared and if there was any way said payment could bounce. I was assured that it could not. Based on Bank of Americas reassurance to me, I wrote a cash advance to said third party for {$16000.00}. Subsequently, the payment that the third party put on my account bounced. Bank of America is insisting that I repay the {$16000.00} despite me informing them that but for their reassurance that the payment wouldnt bounce I would never had issue the cash advance check. Ive tried repeatedly to resolve this matter and to try and get Bank of America to accept responsibility for this misleading me to no avail. 

Anything that you can do to assist me, will be greatly appreciated. Thank you.
Because we had dual job losses a few years back, Discover placed us on a few programs to assist us with our payments. We made every payment owed. Our last statement showed that they are now charging us 24.99 % interest. Discover now says that our programs are over and thet we have to wait FIVE years before they will consider lowering the interest rate. It was never explained to us that they would charge such a high rate. We can not afford this. We can not make a dent in the principal because of the extremely high rate. We contacted Discover to ask for help, and were told " too bad. '' I fail to understand why we are being punished when we complied with their programs, have faithfully made our payments to them, and are not behind at all.
Under the new law effective   XXXX   XXXX  , 2017 any public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus.
Per the new law the bankruptcy listed does not include this information and should be deleted from my credit report.
Docket :  XXXX
I did not have an account with XXXX  XXXX in XX/XX/XXXX. I have an account with XXXX XXXX now opened in XX/XX/XXXX. This debt is not mine. I am in good standing with XXXX XXXX and my credit history with them is great.
My lender, Ditech is not applying my payments to my principal balance and are charging me fees they make up themselves this has been going on for 6 months
I received an alert from XXXX  that a new account was reported to my credit report negatively. This account is not new! Im addition this account is with a collection company that is collecting on behalf of XXXX. I am in an agreement with Conserve however XXXX is reporting the debt and not conserve. I have been in the agreement with XXXX only a couple months and have paid as agreed. XXXX have report no payments but states on a recorded call that I recorded they have received the payments but refuses to show the payments being made. When they reported the account they did not report the correct amount. I dont care if I pay them {$2.00} a month they have gotten on my XXXX nerves for this {$2.00} XXXX dollars they are going to report it! I refused to let them reage an account illegally and as well show inaccurate information
Care credit charged me interest when supose to be 0 % interest for 6 months same time as the care credit law suit
Several months ago an unknown person or persons used my XXXX card information to charge {$2100.00} ( probably gift cards ) at a distant outlet of a high end national retailer. My bank froze my account, reimbursed the fraudulent charges, and issued me a new XXXX account. It later occurred to me that I might have some exposure via my Shell Oil credit card. A purchase of gasoline using the card requires no password nor signature. I sent several emails to Shell asking about consequences of fraudulent use of my Shell card. Replies were boilerplate, did not address my question, and were totally unresponsive. Sloppy, too. They addressed XXXX email to " Dear XXXX '' ... ... ... the city where I live. So I sent an actual letter to Shell senior management asking the same question. This was a couple of months ago. No response. 
Can your agency tell me whether fraudulent use of an oil company credit card will produce reimbursement to the card holder? I believe this is a question of general interest ; I 've torn up my Shell card but may be interested in applying to another oil company. I like the convenience of tracking fuel purchases separately from my other credit card activity.
I 've banked with PNC Bank for nearly XXXX years, and I 'm finally leaving them because they charge ridiculous overdraft fees. I 've asked for reimbursement for these fees ( they re-order high to low, so they can ensure overdrafts on even small amounts ) and they wo n't do it more than once in apparently XXXX years. It seems to me that banks require greater regulation in how they administer overdraft fees since it 's obviously a huge revenue-generation strategy.