WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX I sent a certified letter to portfolio recovery stating that they send me proof of validation of this debt unless they needed to remove it from my credit report. They sent me back documentation but not validating this debt to me. Ive requested they remove the debt from my credit and they still havent done it. They gave no supporting documentation that this is my debt.
When I applied for loan through my college in XX/XX/2003, I was told by my loan company being XXXX that I would have XXXX loan for the full amount. They blatantly lied to me and actually issued me XXXX loans for the total amount. As I was making payments on XXXX loan the other XXXX were going delinquent and therefore affecting my credit rating very heavily and even caused the other XXXX to go into collections without my knowledge until it was far too late.
I purchased a {$500.00}  XXXX  Gift card in   XXXX    back  two years ago. I used {$250.00} of the balance of the card. Last year my   XXXX    account got suspended without further explanation but my gift card was still linked to that account. Because of that, I can no longer use the {$240.00} remaining balance of that card. I tried to contact the company for a whole year already but got  pushed around between department. The last time I contacted them was    X/XX/2017 .
I have been a customer of Capital One also known as Capital One 360 for 11 Years. I 've paid balances in full, always paid on time and I have a good credit score. I am confused as to why is it that I can ONLY get a credit line of XXXX- I started at XXXX, then XXXX now XXXX. I have other credit cards with a higher credit limit, and I have been with those agencies for far less time. Secondly, I have asked for my APR ( urrently currently 19 % ) to be lowered, only to be notified that I did n't qualify ; because there were no promotional offers at this time says, a supervisor at Capital One. 
If there were promotions, how is that I was n't notified by mail, call or email? 
There is something grossly wrong with this picture.
Submitted POA ( Power of Attorney ) Documents, ID 's For both my mother and myself, and Theft of Identity complaint for my mother XXXX XXXX to Equifax. 
Attempted to set up credit monitoring with same company and refused based on the POA. Equinox stated on XXXX different occasions they would not honor the POA or allow me to monitor my mother 's credit. Attached are all related documents to date though their refusal grounds have only been given over the phone.
I was checking my credit report just because i'm planning on purchasing a home some time soon. While checking my credit report i notice some items that are not my. This is unacceptable and kinda embarrassing. I need these items removed from my credit report. I contacted the FTC and my local police. I am doing this on my own behalf. I'm working on this on my own behalf. 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. There are also some inquiries on there that I know nothing about. XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX
Repeated Calls Calling my Work told XXXX XXXX to stop calling i would settle any debt with the original deter he then said i will just keep calling and hung up the phone 30 seconds later called me back i did not pick up 1 min later he Called me again then called me 2 more times after that
I was contacted on XXXX by Ally Financia and at that time I had spoken to a rep claiming that he is trying to secure payment for an auto loan and I immediately responded to him saying you have the wrong person and you all have been calling the wrong number for over a week. The rep apologized and assured me that my cell number would be removed from their dialer system in XXXX. On. XXXX I received yet another call from their company and by this time it is early morning. Prior to me phoning them I had 4 missed calls from them. I spoke with XXXX and asked for his supervisor and he then acknowledged that the only person he could transfer me to is in executive customer relations where I spoke to XXXX. I explained the issue to XXXX and I repeated to him that I demand to have to stop calling my number that this is a cease and desist. His comment is that they will remove my number as soon as I pay the bill. In my efforts I have gone as far to google their corporate off number, which are out of service or no answer. I 'm at my wits end and sick and tired of the constant harassment.
In XXXX 2017 we started the process to refinance with our existing mortgage company, SunTrust. After four months and us providing every piece of paper asked for they still have not signed off on the loan and have given us no explanation as to why we are being denied. Our loan processor was great and really tried working with the underwriters and was a confused as we are about why we have n't been approved for a loan we more than qualify for. We have nothing in writing and everything we have been asked to return to them we have sent to them in a very timely manner.
After being assured by the loan originator that everything was perfect and there would be no issues in XX/XX/XXXX just now in XX/XX/XXXX I have been denied a mortgage. Of course after spending {$400.00} dollars on an appraisal and countless other {$5.00} transactions to fax over document after document to prove the most ridiculous things, from where deposits as low as {$140.00} came from to the ownership of a XX/XX/XXXX XXXX wheeler. In the end they denied me based on credit issues which have only improved over the four months of jumping through hoops. The reason for denial is a fabricated XXXX and I believe I should get a full tefund for all the money I spent due to being lied to from the start. I believe the underwriting division of this mortgage through 5/3 did not do their job properly as well as the communications between myself and 5/3 mortgage was horrible. I ended up having to reach out to the bank manager to have him contact the loan originator for me. The underwriting department headed by XXXX XXXX has had XXXX contact with me regarding my mortgage application and process for over two months. Then I simply receive a letter stating it was denied. Four months of wasted time and money and not only no mortgage but absolutely no explanation as to why. Horrible customer service.
I keep getting calls that I have recently applied for a payday loan online which I have not. I also received a emails from " Ace Cash '' saying I owe them {$870.00} - {$880.00}. I have NEVER had a payroll advance with this company and have NEVER applied for any payroll advances online.
Beginning in XXXX, a Public Filing Entry of a State of Idaho Tax lien was noted on my Credit Report with all three credit reporting bureaus. The lien is not and has never been mine. Both XXXX and XXXX, much to their credit, did remove the notations soon after I provided them with the same documentation that I provided to Equifax. Equifax howver did not remove the error in spite of my having provided them with not one, but two separate letters from the Idao State Tax Comminsion clearly affirming that the lien was not mine ( copies of those letters annexed to this statement ). My Equifax dispute number XXXX was filed on XXXX XXXX, XXXX. I just called Equifax today ( XXXX XXXX, XXXX ) to check only to be again be told that after a thorough investigation that the lien is in fact mine, this in spite of my having provided them with the aformentioned letters. I just filed Equifax dispute # XXXX after being told that the lien would not be removed. Frankly, I am growing weary of dealing with these people and so ask that your agency look into the matter. Thank you, XXXX XXXX XXXX
On XX/XX/2015 I visited XXXX XXXX Used Car Dealers at XXXX XXXX XXXX, XXXX, XXXX XXXX with a pre-approved {$20000.00} check in hand to purchase a XXXX used Nissan Altima. The sales person ( XXXX ) asked if I wanted to cancel the {$20000.00} pre-approved check from my credit source and apply for a new {$20000.00} loan through XXXX XXXX for perhaps a better interest rate, My answer was no, " I do not ''. This queston and aswer was repeated 5 or more times with the same answer by both parties. I completed paper work to purchace the XXXX XXXX and a day later discovered XXXX XXXX had removed the warrenty and failed to dusclose the vehice had been in an accident. I also discovered XXXX XXXX had illegally slammed my credit report with an inquiry. This illegal inquirey was enough to cause EQUIFAX CREDIT BUREAU TO LOWER MY CREDIT SCORE. I filed a dispute with Equifax and XXXX XXXX and neither will process the dispute to remove the illegal inquiry on my credit report. I also sent written complaint toXXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. My credit score remains lower than it was before XXXX XXXX illegally slammed my credit records. Can you please help? Contact Information : XX/XX/2015 Equifax Information Services LLC Attn : Dispute Department P.O. XXXX XXXX XXXX, XXXX XXXX
Back in 1999, I started to attend a technical school, I went for one week and got job, So I did not return to the school and went to work instead. So now I am being held responsible in paying at least XXXX back for the loan. The school no longer exist, it hasn't in a very long time.
I received notice from a credit monitoring subscription in XX/XX/XXXX that Southwest Credit Systems,, XXXX XXXX XXXX, XXXX TX XXXX Phone : ( XXXX ) XXXX is now reporting on my credit report as a collection. I 've never received a single letter from them and no notification at all. I called XXXX XXXX directly and they are telling me that it 's a XXXX XXXX bill for {$52.00} from XXXX. I explained that it could n't be because I still have XXXX as a provider and not only would XXXX not allow me to continue service with an outstanding balance but I also never received any notice not only from XXXX but from Southwest at all. Southwest rep told me that in the state of New Jersey they do not have to send any notification which I know is untrue. I did call XXXX and the rep researched the account. XXXX confirmed that I do not owe any money and they have no such collection account with Southwest that is linked with me owing any money. I disputed this with XXXX and it came back verified that Southwest is stating they verified the debt. This again is untrue.
I have had multiple loans through XXXX/Navient since I began school in XXXX. Since then I have had issues with my finances and have asked them for help. I have always been told that my payments are based on my income and are as low as they can get, even when I was unemployed my payment amount did n't change for this reason. They suggested I do a forbearance, which I have had for a few years now, and have gained quite a bit of interest due to this. I have never gotten any assistance in trying to make my monthly payments affordable and am just now at a place financially where I can afford them, despite being out of school for several years now. I always felt they took advantage of my situation, threatening default if I could n't make payments but not offering me any options other than a forbearance. Even going as far as stating I was n't eligible for a no/low income deferment when I was unemployed. I have had nothing but issues with this company and feel like anytime I need to speak to someone I get the runaround, being transferred from XXXX person to another because each person I speak to can not help me for XXXX reason or another. I will end up now paying over {$5000.00} more than what my loan is actually for because of all the interest I have accrued during the forbearance they required me to do. I received a call last night about the lawsuit being filed against the company and would like to be considered as I feel the issues being brought up in this lawsuit are exactly what I have been dealing with the entire time I have had a loan with them.
I 've been educated about changes regarding public records reporting that took effect XXXX 2017. I called Equifax about these changes and to get additional information from the company directly. They advised " it was a false rumor '' and that it had no truth to it. I advised them that it was true because XXXX had just removed it a few days for that specific reason.
The change dictated that if a reported tax lien did not XXXX major pieces ( 1-name, 2-address and 3-date of birth and/or social security number ) along with regular 90 day updates that it would be removed. I received a copy of the official lien notice reported by the Clerk of Circuit Court, XXXX County, XXXX, Florida. It did not satisfy the minimum requirements currently in place, but Equifax agents insisted I could not dispute it nor were they required to comply with these changes. I 'd like for the CFPB to confirm if this public records change is valid, and if so to contact equifax about this matter.
I also collected a fax number from the equifax agent and sent a written letter with a copy of my SSN/DL and the lien notice supporting my claim.
IN ADDITION to advising me the change was a lie, Equifax has locked me out of viewing my credit report. I reported the issue Friday XX/XX/17 and was advise it was a 'known issue ' and being handled by their technical department, and to call back in an hour.
I called back on XX/XX/XXXX - was on hold for 61 minutes with no answer from an agent I called back onXX/XX/XXXX - was on hold for 90 minutes with no answer from an agent I called back on XX/XX/XXXX - was on hold for 95 minutes with no answer from an agent I called back on XX/XX/XXXX - was on hold for 110 minutes with no answer from an agent I called back on XX/XX/XXXX requesting to cancel service thru the automated system and an agent answered in 3 minutes. That agent referred me to another number. The second agent spoke had me for 49 minutes ( 36 minutes of that on hold ). Then that agent sent me to another agent ( " supervisor in the speciality department '' ). This agent extended the call another 65 minutes. All agents stated " we ca n't unlock your report '' and " we ca n't update your credit report '', but none of them can explain why or when it will be resolved. They did all say I could continue to call back for updates, and they would not notify me when the " issue '' was corrected.
They offered me a reduced rate of {$9.00} for 12 months but i declined because paying 50 % for nothing does not make anything a good deal.
Can someone please help me with this? They are not listening and not addressing my credit report issues.
**To CFPB, please do not publish my attachment ''
XXXX representative mistakenly did a hard pull on my credit report. I contacted XXXX office of the president ( XXXX ) XXXX extension XXXX and XXXX informed me they have requested TransUnion to remove the hard inquiry on XXXX/XXXX/XXXX. 

XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX On XXXX/XXXX/XXXX the hard inquiry was still on my TransUnion credit report. I contacted XXXX and they informed me that the request was sent and the processing time is entirely up to TransUnion. 

On XXXX/XXXX/XXXX, nearly half a year later, the hard inquiry is still on my credit report. TransUnion failed to process the removal request in a timely manner and always pushed me to creditor ( XXXX ) when I contacted TransUnion customer service. The customer service supervisor I spoke to was XXXX.
This is a follow-up to the initial complain filed against Phoenix Recovery Group. PRG responded to said complaint stating that they had a contract bearing my signature, that they sent validation documents from the original creditor to me and that they validated the debt with the original creditor. Additionally, they claimed to have updated the account with the credit reporting agencies to reflect that the account was in dispute. While the account was in dispute, they continued to attempt to collect on the debt by calling my cell phone on the weekends and continuously reporting the account to all three credit reporting agencies. Further, when I disputed the account several times with the credit reporting agencies, PRG responded to those disputes claiming that the account was accurate. Despite the emails from the original creditor I sent listing the correct balance that was paid, they continued to intentionally act illegally and unethically. 

To this day, I have yet to receive those documents. I reached out to the original creditor and advised them of the unethical and illegal debt practices PRG had engaged in with respect to this collection account. The original creditor responded stating that they were unable to validate the debt because they no longer owned the property. They had not received a dispute of the debt from PRG and that PRG advised them that they were waiting to receive documentation from ME to process my dispute. The original creditor had to reach out to them to tell them they can not verify the debt and to remove it. 

While the debt has been removed, it is imperative to ensure that this complaint does n't go unnoticed. PRG blatantly lied to CFPB, broke multiple Federal and State laws and ruined my credit for nearly a year.
I have credit inquiries on my credit report that I do not recognized and/or didn't authorized. Some are multiple in the same month. I have tried to dispute these with Transunion several times but they keep saying that they are mines, but they are not mines.The hard inquiries are below that isn't mines. 

1. XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX ( XXXX ) 4. XXXX XXXX ( XXXX ) 5. XXXX XXXX XXXX ( XXXX ) 6. XXXX  XXXX XXXX ( XXXX ) 7. XXXX XXXX ( XXXX ) 8. XXXX XXXX - XXXX  ( XXXX ) 9. XXXX XXXX - XXXX ( XXXX ) 10. XXXX XXXX - XXXX ( XXXX ) 11.  XXXX XXXX - XXXX  ( XXXX ) 12. XXXX XXXX - XXXX  ( XXXX ) 13. XXXX XXXX XXXX ( XXXX ) 14. XXXX ( XXXX ) 15. XXXX ( XXXX ) 16. XXXX ( XXXX ) 17. XXXX XXXX ( XXXX ) 18. XXXX XXXX ( XXXX ) 19. XXXX ( XXXX ) 20. XXXX ( XXXX ) 21. XXXX  ( XXXX ) 22. XXXX  ( XXXX ) 23. XXXX  ( XXXX )
I've been disputing this account for over a year, I only had an account with this company that Equifax is reporting in XXXX and XXXX, both of the loans were paid off. 

I see that they reported a charge off from XXXX or so which absolutely doesn't make sense. I keep asking them to provide the method for their verification so I may sue Equifax if need me. I have no memory at all about this alleged account. 

I did go to the police to report this a couple of months ago and due to the fact that I do not have absolutely any memory I am asking for a real investigation.
Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED  STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, FTC Identity Theft Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
My problem concerns Lendkey Technologies , Inc. ( Lendkey ), and their " next business day '' payment processing policy for student loan borrowers. Lendkey allows borrowers to make a direct payment only on the XXXX of each month, which is also the day the payment is due. However, if the XXXX falls on a weekend or holiday, Lendkey processes the payment on the next available business day. This oftentimes lengthens the billing cycle by 1-3 days. Interest continues to accrue during the extra days, resulting in higher payments over the life of the loan for the borrower. 

This practice is unfair and deceptive. If Lendkey legitimately can not process payment on a weekend or holiday, then Lendkey should either 1 ) allow borrowers to make a direct payment on a date preceding the weekend or holiday, and/or 2 ) discount the interest that accrued on the loan during the extra days. Lendkey requires borrowers to make payment by the XXXX and threatens the borrowers with late fees if payment is not timely received. Yet, Lendkey apparently lacks the capacity to consistently process the payment by the due date. Lendkey 's inability to timely process payments should not result in a benefit for Lendkey at the expense of its borrowers. 

Lendkey may argue that the borrower breaks even because a lengthened billing cycle in Month A will equally reduce the length of the billing cycle in Month B. However, the balance of the loan and the interest per day will always be lower in the subsequent billing period because the borrower made a payment the previous month. Therefore, the money lost due to interest accrued during the weekend or holiday in Month A will always be greater than the money gained due to the shortened period in Month B. 

Accordingly, Lendkey should be made to revise its payment processing policy and reimburse the extra interest to the borrowers.
After receiving several threatening letters from the Law Offices of Robert A. Schuerger, LPA, in addition to threats of lawsuit from one of their incompetent representatives after I demanded the proof of debt, I demanded to speak with a Supervisor. The Supervisor I spoke with was polite yet stated the debt was from a private loan from XXXX State University and promised to request the proof of debt from the University. 

Upon receipt of the " proof '' dated XX/XX/XXXX, it was clear the debt was not private, it was another government loan that had already been consolidated. 

The Law Offices of Robert A. Schuerger, LPA claim they are working on behalf of the Ohio Attorney General 's Office. Their practice should be penalized accordingly for false representation and for threats of lawsuits when asked for proof of debt as required by law.