WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is in regards to a recent claim dated XX/XX/2017 regarding account # XXXX which Resurgent Capital Services aka LVNV Funding, LLC claims to have verified, and that I owe them in the amount of {$110.00}. I have requested validation of this debt from them which I do not owe because I have never signed any contract with this company. They continue to report this on my credit file which I have recently disputed with all three credit bureaus. Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX
My original principal balance was {$58000.00} beginning XX/XX/2007 with a fixed interest rate of 7.5 %. I have filed a few forbearances over the years due to hardships ; but was not offered income based repayment plan options until this year. However, since XX/XX/2007, I have paid {$30000.00} in interest and {$6700.00} towards the principal. My account balance is currently {$73000.00}, which is {$15000.00} higher than my original principal. When you file for a forbearance due to hardship, instead of Navient just allowing the interest to accrue during that time period, they add the interest to the principal and then charge you interest on the interest added principal amount. The forbearance does not help but hurt borrowers. I have tried to negotiate the account balance because I have paid {$36000.00} on a {$58000.00} loan and now owe {$73000.00} which only causes the payments to go up and not down. I think this is truly an unfair practice and makes it extremely difficult to pay the loan. Navient did not offer any help in resolving this matter.
I have a report from Experian. It was sent after I was declined credit. There are many errors as my husband left me and some items are his. I received the report after XXXX XXXX, 2015. It is within a year. I sent a dispute to Experian never heard back or got a credit score. The information is incorrect and I would like to dispute it. I have the complete report. I would have to mail you a copy. There are incorrect dates that should be deleted from the report.
XXXX credit reporting agency is not fixing an issue I am having with wrong information on my credit report. Today I viewed on XXXX XXXX that XXXX deleted my XXXX account off my credit report this account should not have been deleted off my credit report. I never gave permission to delete it. Having this account deleted brought my credit score down. My next issue is XXXX XXXX XXXX that is reporting that should not be reporting. I submitted substantial proof along with speaking to the CEO of XXXX XXXX XXXX and it was confirmed to be removed from my credit report. Instead of removing it XXXX added a remark to this account. This is completely wrong. I am very discouraged in getting XXXX to correct these issues. Another account XXXX XXXX XXXX XXXX is reporting as me including this account in bankruptcy. I never filed for bankruptcy. How can they put such false information. I fully expect that this bankruptcy comment be removed off my report. I 've also uploaded proof from XXXX that these other 2 accounts were removed from my XXXX credit report. XXXX  should have received the same information.
On XX/XX/2019, I was in a hardship situation and dealing with a chronic illness. There were emergency household bills due. I had taken sometime off from work due to my illness. I applied for an online loan with XXXX XXXX XXXX XXXX XXXX XXXX. I was approved for {$730.00} with an APR of 360.00 %. My attention was to pay this loan within 28 days. My situation was beginning to deteriorate and between my illness and missing work, I was unable to pay amount due as scheduled. I had to ask Speedy Cash not to draft anything out of my checking account because I was being charged overdraft fees. I paid a total of {$230.00} to date towards this original loan. I know have a balance of {$1500.00}. I asked the representative XXXX were there any arrangements I could make towards the original {$730.00} Loan. XXXX explained that Speedy Cash would not make any payment arrangements unless I agreed on the {$1500.00} balance ( and accruing interest ). I am in a hardship and unable to pay {$1500.00} plus interest
these people sued me XXXX for a debt they say i owed XXXX and i lived in XXXX and did not receive service notice..they continue to take money from my account these people are crooks and need to be closed down.
I am disputing a 30 day late that was places on my credit report by Chase. I am refiling this because I did not dispute the response that Chase gave on XXXX/XXXX/XXXX. The email that I received from the CFPB on XXXX/XXXX/XXXX did not indicate a time frame for me to dispute by so I now have to refile instead of dispute it. 
I received a courtesy call from Chase 's Customer Support Team on XXXX/XXXX/XXXX at which time I was told my account was past due and made a payment of {$270.00}. The customer support lady told me not to worry that I would not receive a late notice against my credit. In addition, the lady discussed an option of setting up auto pay through her, which I agreed to as it would avoid this from happening in the future. However, much to my aggravation, a late notice was placed on my credit report and the auto pay program was never set up for my credit card account. Given I was told by Chase that I would not have a hit on my credit and they ended up reporting one, this credit late notice is a bank error. 
On 4 different occasions I called Chase 's Customer Service to see if we could resolve this late payment problem and I requested the support individual to pull up the call from XXXX/XXXX/XXXX to prove that this conversation had indeed occurred. On each call I would be bounced between departments being told that I was talking to the wrong department. None of the departments were able to resolve removing the late notice or find the call on XXXX/XXXX/XXXX. At the end of each of the 4 calls with Chase I was told they would look into everything and get back to me. I never heard back from any of them. 
After not getting any responses from my calls to Chase I decided to wright a letter to Chase 's Executive Office on XXXX/XXXX/XXXX and promptly received a letter back on XXXX/XXXX/XXXX which did not even address any of my concerns. I called XXXX XXXX, the rep from the Executive Office that wrote the response letter, to ask why they did not answer my questions and never received a response. I called again and was put in touch with XXXX XXXX and she looked into everything and could not find the call from XXXX/XXXX/XXXX and without it I have nothing to prove that this is a bank error. Given all of this Chase has determent that there is no evidence of a bank error. This has hurt my credit and will cause unknown amounts of money in potential lost money. 
I would like to have the 30 day late be removed from my credit given I was told that it would not be reported making this a bank error. 
I would also like the CFPB to add the 60 day response time limit to their emails regarding company response so consumers are told of this timeframe. I have attached the email that I received from the CFPB that clearly does not indicate a response time period.
I have a Direct Loan consolidation loan and Navient has been my loan servicer for 5 years. I 've repeatedly told Navient that I 'm planning to get the Public Service Loan Forgiveness Program after 120 qualifying payments and Navient has never once told me that I need to have my student loans serviced by XXXX if I want to be eligible for loan forgiveness. 

I will make the change this week. But it is a huge problem that this company has not informed me that they are not eligible for the PSLF program. 

Is there any way that I can get credit for the otherwise qualifying payments that I 've made to Navient?
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXransUnion Consumer Solutions XXXX XXXX, XXXX XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. My correct name is XXXX XXXX NOT XXXX XXXX XXXX THOSE ACCOUNT DOES NOT BELONG TO ME I NEED THEM REMOVED OF MY CREDIT PROFILE If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$10000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX SOC SECXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX
My house flooded during the recent flood in La. I have flood insurance, and a check was written to cover damages. However, it is made out to me and the mortgage company. All of the damage to my house is cosmetic, sheetrock, paint, and flooring. I have XXXX. Despite these facts, my mortgage company will not let me self repair, they say I must use a contractor. Contractors are backed up for months with work, and prices are double and triple what they would be under normal circumstances. I have asked the mortgage company to release part of the money so I can obtain materials and do these repairs myself. They refuse. I desperately need this money so I can repair my home, and need them to allow self repairs.
NATIONSTAR MORTGAGE LOAN NO. XXXX IS REPORTING TO CREDIT BUREAUS AS FORECLOSURE AND JUDGEMENT AS OF XX/XX/2014, THIS LOAN WAS TRANSFERRED, THIS FALSE REPORTING ISIN VIOLATION OF DODD-FRACK ACT, FDCPA, F.C.R.A RESPA ETC..
XXXX XXXX XXXX XXXX Closed :XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX Closed : XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also XXXX. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach XXXX to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XX/XX/XXXX Can send these in as well once I get them scanned.
I spent {$25000.00} using my American Express Gold Delta card in XXXX, XXXX, and XXXX. American Express should have credited XXXX points to my Delta Skymiles account and reported to Delta the amount spent with the card. American Express reported only {$4000.00} as the amount spent to XXXX XXXX. It did n't credit the miles to my Delta Skymiles account nor did it report the dollar spent in XXXX and XXXX which amounts to more than {$21000.00}. I called to XXXX XXXX to inquire. Delta asked me to contact American Express. I have contacted American express four times and one of them I conferenced in XXXX XXXX. I have spent more than five hours following on this matter. American Express finally realized there is an issue. But, so far nothing has been done. I have attached evidence of my spending and also evidence of the amount not showing on XXXX XXXX side.
This is a complaint against ALL XXXX credit reporting agencies. 
I have reached out to all XXXX credit agencies ( Experian, XXXX and XXXX ). As well as contacted XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and the original Creditor who was to finance a possible car loan, XXXX XXXX XXXX. 

No one responded to me, except Experian and XXXX. I completely disagree with all three credit bureaus as they refuse to combine the multiple inquiries from XXXX company ( XXXX XXXX XXXX ) which MUST be combined, when done within the same time frame for the XXXX company. 

This is causing me a HARD INQUIRY on my report. XXXX to be exact. These are duplicate entries that the bureaus MUST delete. I understand that XXXX and all of its affiliates may not use the same data for each credit inquiry, nonetheless, it is XXXX transaction, which was split. I request that Experian, XXXX and XXXX combine all the Auto Credit HARD Inquiries on my account. They have the same for my husbands account which is not right. 

Below is what was in the letter, sent my certified mail, a response was received last week from Experian and XXXX stating there will be no change. 

Acct XXXX : Hard Inquiry : Listed XXXX times by XXXX with different banks, dated XX/XX/XXXX and XX/XX/XXXX which should only be listed as XXXX hard inquiry. I said we were not interested any more in purchasing a vehicle and XXXX XXXX and his Manager XXXX XXXX insisted on calling every day to finance us with a used car. I have also contacted their company with no response. XXXX XXXX XXXX ( Dated : XXXX/XXXX/XXXX ) should be the only XXXX listed with the next XXXX as XXXX inquiry. Please see all the inquiries below and the date they had banks review my credit. 

XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I recently obtained my credit report through TransUnion in XX/XX/XXXX & noticed I had 9 unauthorized hard inquiries on my credit report. I contacted all the companies and after speaking with them they looked into there records and were unable to provide any proof of these inquiries. I sent a letter to TransUnion on XX/XX/XXXX in order to get them deleted, I never heard back and contacted them through phone again on XX/XX/XXXX and they were not willing to help me. I have listed all the unauthorized inquiries below along with dates. 

-XXXX XXXX on XX/XX/XXXX -XXXX  on XX/XX/XXXX -XXXX XXXX XXXX via XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX XXXX XXXX  via XXXX on XX/XX/XXXX -XXXX XXXX via XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX
I am submitting this as a follow up to Case number : XXXX. I no sooner received a packet to send back to the Bank of Oklahoma that we have received in less than 30 days an order to vacate. Again Bank of Oklahoma has shown that sending a packet that had an extensive list to be turned back in which has taken several weeks to complete because of the extensive nature that we have received a NOTICE TO OCCUPANTS OF PENDING ACQUISITION. So again we have been duped by Bank of Oklahoma ... first I had to get their attention by contacting the CFPB but know they are toying with my family and my home without offering real help. I wish to stay in my home and again we are seeing smoke and mirrors when it comes to Bank of Oklahoma. Also we keep being told we can submit my own insurance but when the Insurance company calls to get info from Bank of Oklahoma they are told that the property is in foreclosure and they can not place new insurance on my property in foreclosure. I am more than frustrated that Bank of Oklahoma is not being helpful but has decided to tell the CFPB one thing and show me another side. This has been the true problem from the beginning. Also we are told to make payments of which Bank Of Oklahoma will not receive. When trying to speak to Bank of Oklahoma I am told that because of the status of my home that Customer Service is not available to me. Please give me some type of guidance in this matter as I believe I am being railroaded into a situation and every month that goes by my Credit is being destroyed and the equity of my payments to the Bank are being denied because of their lack or unwillingness to work with us. I truly just want to be able to make payments and gain my equity back and my credit standing that has been destroyed. We have been sent the same document two times prior and the address given for the document to be sent was sent back to us telling us they could not receive our document. Again terrible response to an address not even correct on prior documents. Please help me.
Trying to purchase property they run my credit, collection account was not active, I initiated contact by mail. Collection company purchase a collection account that is old. 
I request a Validation of the account, company fail to provide prove and breakdown of fees, date was sold, amount was sold, amounts they add on, copies of all documents. 
Account was remove from my credit and know is back under other collection company. Company fail to provide prove of the account and verification. Know they are calling everyday all day with will take legal action, where is getting to a point that are screaming over the phone. Thread of taking to court or calling my work for payments.
THese people continue to call my job after I have repeatedly told them to stop. It 's harassment and illegal. I am not allowed to have personal calls at work.
I am very sorry but I could not locate how to reopen a claim. This is claim # XXXX. The last regular transaction was speaking on the phone with XXXX XXXX in the Executive Offices when she assured me that the loan was a charge off. I am now being called almost daily to on this and they say they do not see the charge off occurred. I do not feel I should have to start over with this process when Chase has clearly stated that my house qualifies for no other option due to condition and value. 
My computer completely crashed and I lost dates, etc that I was keeping track of the phone calls so I am at a loss as to my next step. Please help me, if you can. 
Thank you, XXXX XXXX
Insufficient Response to American Express : # XXXX American Express and XXXX : # XXXX American Express is in possession of our power of attorney. We faxed it in per their consumer representative. Another customer representative said to mail hard copies to XXXX ( representing itself as American Express ). Now we have a letter claiming American Express and XXXX are partners and we have to now notarize the letter. We have received no notice of assignment to a third party debt collector like XXXX and there is no company called American Express/XXXX. Please have American Express forward their contract where it permits them to interact with other companies on our account. Thank you, XXXX
Holloway Credit Solutions has reported derogatory information on my credit report that I do not owe them. They have violated my rights under HIPPA and FCRA in this manner before. They told me that they would remove ALL of those negative and illegal items from my credit immediately and have failed to remove ALL of them. There is still one reporting for the amount of {$290.00} in which I do not owe to them.
Every month I take out a {$250.00} payday loan from XXXX XXXX XXXX. Its oaid off in time every month. This time I receive an email saying my loan is soon due and if you want for a special promotion you can convert the payday loan into an installment loan ( first uploaded image ). So I click the link in the email to see what they are offering. I reach a page ( the second uploaded image ) that shows my loan information and a box that states Get Started in big letters with smaller print stating get the funds you need you are now eligible for an installment loan. See how much you can receive I wanted to see what the offer was even though I knew it would be a rip off. So as soon as I click the link the web page now takes forever to load but once it does it shows the loan details to which I just close my browser. Later that day I receive a hard inquiry alert from Axcess Financial on my XXXX. Ive contacted them 4-5 times the first three were just customer representatives saying the same thing over. The others tried to show me how I accepted the inquiry but the websites they displayed I never visited. This computer is a predatory company but I have to already give them {$50.00} every month just to roll over me {$250.00} payday loan.
I submitted investigation requests to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but they have not.
Every month with today XXXX/XXXX/17 - XXXX EST being the latest call. I received an aggressive message stating im leaving no choice but to file suit, garnish wages, notify employer of debt, time is running out to resolve the issue, its in my best interest to contact them. they have my social and its my last chance?
This company below listed a debt on my credit report after i contacted them disputing debt. The debt is not mines and it should not have been reported on my credit report. this is the third company who has reported this debt on my credit report. Not sure why a debt that is not mines keeps getting passed around to different collection agencies. Nor why once I dispute with the company they post to my credit report anyway.      XXXX   XXXX   XXXX  In Opened  XXXX   XXXX ,   XXXX   {$53.00} Original creditor :  XXXX   XXXX    XXXX   XXXX   IL
Hi, I am not sure where to begin. I closed on my house in XXXX 2014. Unfortunately, my real estate taxes were not calculated correctly on my HUD. I just received word that I owe all of 2014 taxes even though I only live in the house for 45 days in 2014. My bank sent a mailing stating that I owe approximately {$10000.00} for all of 2014. I went back to the title company and the company that owned the home before and XXXX are telling me that it is not their fault. I did not understand the HUD well enough to figure out what was happing. I do n't have the money to pay and do n't know where to turn. I am still shaken how unethical the selling company is being. They did not pay their taxes in 2014. I am trying to avoid reaching out to an attorney due to the expense. Is there any help you can provide?
I graduated from the University of XXXX in XX/XX/XXXX. I started receiving emails about this debt in XX/XX/XXXX. I have requested documentation from them but have yet to receive anything showing the accuracy of this debt, the first date of delinquency, etc. They have illegally reaged this debt twice and I have filed disputes each time. Their tactics make this debt seem more recent than it is which will affect my credit into perpetuity.
XXXX   XXXX  and  XXXX   XXXX  is trying to make me pay a bill of {$62.00} showing on year  XXXX , in  XXXX   XXXX   XXXX . which I did not live there since  XXXX . Also  XXXX  in same year and date of  XXXX  has also placed on my credit reports that I owe {$280.00} and then it shows {$280.00} on another credit report. I do not owe either of these debts. Neither will remove these from my credit reports. I have verified proof I did not live there during this period of time. I have lived in  XXXX  since  XXXX . I have filed a police report of I.D . theft and submitted the file and all paperwork to both companies and no positive results yet. Because of this  XXXX  has droppe d my credit score   XXXX  points. I demand these companies to remove all records from my  XXXX  credit bureaus. I will file a lawsuit if necessary.  Toyota Financial Services  reported a late payment to my  XXXX  credit bureaus which was not late. The payment was paid on time. Date shows  XXXX , which I have also contacted  Toyota and t hey said it showed no late payment, but it is on my credit reports.
Despite being a victim of fraud and XXXX having a record of the police reports filed, XXXX continues to report debt 's that do not belong to me, information obviously not being verifying before reporting incorrect information to my credit file, this has been an issue with this reporting agency for a number of year 's now. Information that should be reporting in my file they will not report despite financial institution 's reporting to this agency.