WillisBack/dataset-financial-user-claim huggingface dataset:
I sent Midland Funding a certified letter disputing an account on my credit report XX/XX/XXXX which they signed for XX/XX/XXXX at XXXX XXXX They did not respond to it. Therefore I sent them a second letter XX/XX/XXXX which they signed forXX/XX/XXXXat XXXX XXXX Thus making it two goodwill attempts to resolve an issue concerning an inaccurate account on my credit report placed there by Midland Funding. I have disputed item requesting validation or a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They have refused and failed to provide me with a legally binding contractual obligation to pay them the alleged amount of {$1300.00} per their letter dated XX/XX/XXXX. My credit reports from all three credit bureaus show an amount of {$1300.00} listed under Midland Funding and or Midland Credit Management Inc. Failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will eventually result in a small claims action against their company. I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) In addition to not providing me with evidence bearing my signature they did not furnish the XXXX with the required disclosure, within the period required by law. Midland Funding is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX at XXXX XXXX I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with XXXX within the required 30-day period. Midland Funding is liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agency. ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
Hello, I have signed up for a Citibank promotion to recieve XXXX XXXX miles for opening a Citigold account and fulfill their requirements. After doing so and receiving confirmation twice from Citibank, they refused to honor their promotion and I have not received my promotional miles. This is false advertising and dishonorable practice to the consumer who legally fulfilled everything they asked. I have documentation of everything.
I have disputed the tax lien on my file 3 times asking for verification and validation. the  1st  dispute Equifax told me to contact the courthouse for verification. I contacted the court house and they sent me a latter stating that they do n't report to the credit bureau, after sending the letter back to Equifax and   XXXX   showing the court house response and redisputing the lien their next response was for me to contact the IRS, which responded the information is inaccurate and they do n't report to the credit bureau as well. I redisputed it again which now Equifax is saying they recieved the information from  XXXX   XXXX . I explained to them that I feel as though i 'm getting the run around and how they are reporting unverifiable information and has not sent me any type of verification which i have been asking for since the first dispute.  XXXX   XXXX  never responded to my last dispute at all.
Signed up for a checking account under a promotion to receive a {$200.00} within 60 days after having a direct deposit of at least {$300.00} post to the account. I met the terms of the promotion, but the bank has not given me the {$200.00} within the timeframe specified in the terms.
Have been trying to change terms of loan from XXXX to XXXX with much resistance for over 30 days. Have called 3 times and each time they extend the time that the new XXXX term will take effect. I have employee numbers, names and specific dates and times that I have tried to take care of this. My account is in good standing. I do not understand why they can not make this change when it is something that I am allowed to do.
I applied for a CareCredit card to pay for XXXX. I picked up a pamphlet from my dentist 's office and applied online, with the understanding that it was a standard revolving loan. I was unaware there was a promotion wherein I would unknowingly be accruing interest to be tacked on at the end of the promotional period if the full balance of the loan was not paid off. I made payments on my loan and in XXXX 2016, I received a bill with $ XXXX dollars in accrued interest. Additionally, the accrued interest put my balance over my credit limit, which caused me to incur more fees. CareCredit has deceptive advertising and application processes and preys on people who are facing dental and/or health issues and need to find a way to pay for the procedures. I never received CareCredit 's required disclosures in the mail and was not provided adequate guidance regarding the loan 's terms during the application process.
XX/XX/XXXX - I received an email from Paypal stating that my PayPal account is permanently limited and no longer be able to receive payments or do anything with my money i.e {$7700.00}. 
I tried reaching them out customer service always said they are unable to help me with this and no longer will provide me any service. Their merchant department will contact me soon which they always contact me at the very wrong time when I am busy and they didn't even give me any warning or any kind of email stating if there is any problem. I sold electronics on XXXX and XXXX uses PayPal platform to run transactions so as a seller my money was paid by the buyer and they received the purchases product as well. After a month today XX/XX/XXXX I called them and requested to speak with one of the merchant associates names which they called me and the name of the associate was XXXX. I discussed the issue regarding my account limitation and what caused it. They explained to me that due to selling expensive item and it involves huge sum of money to be transferred they take a look at it as " high-risk industry '', I understand that selling expensive item can lead to dispute or other issues but therefore I never had any issues with buyers they always got the item they requested in a timely manner. If any buyer had issues I solved it right away with the help of XXXX, firstly Paypal has not mentioned anything about this with me before on this and one day they decided to take control of the money which belongs to me. While speaking to XXXX he said I have the balance of {$2400.00} that will be on hold for 180 days, and I tried to explain that I have more balance left in the account are {$5300.00} which he denied that he see none of that amount ( which Paypal have in their app shown in the attachment stating " manage goal '' which I use them to separate my money trying to keep my budget balance. He kept on arguing that I only have the balance of {$2400.00} and that only will be transferred to the bank and he is not aware of this PayPal " manage goal '' platform.
I have called and stated that they are charging me a duplicate amount and that I have already paid this amount. the account listed two of the same dated times and services and the same charges .This is a duplicate charge.
I have a XXXX hard inquiry, I have had this service for more then 2 years, and the service remain on and in good standing up to now. The inquiry has been placed XX/XX/XXXX. How could they re-credit check me if I had and already have service with them. I am cancelling my service with them as of XX/XX/XXXX. Also, I might add, there are XXXX account for XXXX, I have not ever knew this have gone to collections for those dates listed. I have alway remain in good standings with XXXX not ever understanding why they could of ever hit my account at those dates on my XXXX report. On my XXXX have have dozen 's of soft inquires 1 same company hit 's me 8 times almost like every month. I don't know who or why they are doing this. And another different multiple hits in the same year, and almost consecutive months as well. I don't know who this company is as well and don't understand why it keeps soft inquiring me. Also on the XXXX, they are very, very old account 's still on my report, such as Social Security, couldn't understand why and how this account ever got to my account, that account was paid immediately. Please look over and reflect. Thank you so much for your help in this matter.
Hi, On  XX/XX/XXXX , I submitted complaint  XXXX  against  XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ) i n regards to unauthorized credit card charges  XXXX  was attempting to collect.     Even though this dispute is ongoing and still under review by  XXXX   ( and now CFPB ) ,  XXXX  has continued to assign late charges to this account and notify each credit bureau that I am " delinquent '' in repaying.     On  XX/XX/XXXX , I sent letters to each credit burea u (   XXXX , Experian and  XXXX  ) with documentation of the dispute and status. As per the Terms and Conditions of  XXXX  's  Cardmember agreement-   XXXX  can not not notify any credit bureau that an account is " delinquent '' if those charges are being disputed.     I have received correspondence back from each credit bureau that they have requested additional information from  XXXX  and have placed " fraud alerts '' on my credit report- however,  XXXX  continues to report my account as delinquent and the credit bureaus have not removed this detail.     As of  XX/XX/XXXX , my credit reports reflect this disputed account as 60 days past due, and my credit score has been dramatically reduced. Also- I 'm not sure how my phone number was released or sold, but I 'm now receiving " credit help '' calls which I have to block.
Reviewed credit report and multiple unauthorized credit inquiries. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
On XX/XX/2018 I sent a debt validation letter to XXXX XXXX XXXX. They responded saying that the debt has been " verified '' and provided copies of a billing statement. That is not sufficient validation of me owing XXXX XXXX any debt. 

I requested that XXXX  validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They only provided me with a billing statement which does not prove that I am obligated to pay them anything. They have reported delinquent information to all three credit bureaus that I am asking to be deleted.
a XXXX from NY keeps calling my cell phone, i am at work so can not answer, this morning I was able to slip away from my desk to answer. He said he is calling in reference to XXXX XXXX my adult son ) and needs to contact him, I told him I would give XXXX the message, that I am at work and he does n't have a phone, he kept interrupting saying he needed to talk to him, I kept telling him not to call this number that it is my private cell phone, and not to call it again, ( I was getting upset ) I asked how he got it and he said XXXX must have given it to him - I asked my son and he said he has never given my cell phone to anyone. I again told him not to call this number again, he said he will call it again so I hung up, he was very rude. this is not my debt, my son is a legal adult ( XXXX ).
After looking over my report and complaining of late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I enacted my rights to COMPEL the credit bureau as REQUIRED, to MANDATE the alleged data providers of notated UNPROVEN derogatory suggestions of late payments and requested that they surrender to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore I even requested that the accusing data provider to present their most upgraded Terms of Service Agreement that outlines payment reconciliation. As I am positive that the bureau was aware as a injured consumer unjustly mind You that I am lawfully within my consumer right to ask for any and all of the above demands under the terms of the FairCredit Billing Act of 1975 FCBA. AS the official notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is eithet or all of the following. So They were informed by me that they must ANNUL by REMOVAL of any DEROGATORY and or adverse and yet UNPROVEN claims be it an account or an aspect of that account and delete the foul misreporting and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else for the following : 1. XXXX XXXX several late pmts 2. XXXX XXXX-several late payments
Republic Finance agreed to a reduced payment amount and but still continued to call repeatedly while I was making payments. They then filed a lawsuit in XXXX while I was paying. They started coming to my Mothers house and They filed a law suit on XXXX XXXX. But was still taking monthly payments. I became distressed due to this. I have a court date for XXXX XXXX. But I would like to be given a settlement option of 50 %. I believe Republic Finance acted inappropriately and improperly. I was paying them monthly the agreed amount of XXXX. 

Thank you
MY CREDIT REPORT WAS PULL BY A COMPANY THAT HAD USED IT IN THE WRONG WAY, AND NOW THIS EFFECTING MY SEARCH FOR A PLACE TO LIVE.SO I NEED EVERYONE TO KNOW THAT THE CREDIT REPORT IS FRAUDAUL DO TO MY IDENTITY WAS STOLEN BY A PROFESSIONAL HACKER, AND I AM HAVING PROBLEM WITH THE CREDIT REPORTS WITH A XXXX CREDIT BUREAU, I WOULD LIKE THIS TO BE PUBLISH
I dropped XXXX due to charges on my bill that were incorrect. These were overage data charges, which I had XXXX alert me when our family would be going over the data plan, which they had BUT in this particular month, they did not for some reason which left my phone bill which would be normally {$300.00} to {$1000.00}, in which XXXX only agreed to discount {$200.00} for being a loyal customer. Cell phones were returned to XXXX - collection noticed mailed out to me about a month later with the amount of the outstanding charges AND the XXXX cell phones.
Trans Union refuses to report student loans as paid in full, XXXX balance. The Department of Education/XXXX granted me a discharge for XXXX on XX/XX/2016 for all my student loans, including loans with XXXX and with Department of Education/XXXX. I have sent copies of the discharge paperwork to Trans Union, but Trans Union refuses to remove the loans or report them as paid in full and closed with XXXX balance. This is in violation of federal law.
Afte r Wells Fargo den ied my loan, I sent the company the below letter and received no response I am responding to your  XXXX   XXXX , and  XXXX ,   XXXX  , letter informing   me my co-signer load was denied. Please provide answers to the below questions : 1. How Wells determine whose loan will be approved 2. Specifics, why my load was denied. Please do not indicate generalities.
3. Minimum credit score required to receive a loan 4. My point score 5. Ple  ase provide evidence which states specific creditors reported I had pass and current delinquencies.     I am requesting that you email me specific, detail reasons, why my co-signer loan was denied. According to pass phone conversations wit  h Wells load specialist, I had pass and current delinquencies.
If you are unable to provide specifics, one can conclude Wells makes subjective, arbitrary, and capricious loan decisions. Your letter states that my credit report indicated I had delinquencies.
I will litigate this matter and file a formal complaint based upon racial di  scrimination, and will argue that  XXXX  who have lower credit scores than  XXXX  and no relationship wit  h Well Fargo are afforded student loans.
Taking into consideration my current banking relationship with Wells, I am extremely disappointed Wells denied my loan. I have my IRA account with Wells, along with  XXXX  other savings and checking accounts.
Finally, according to my credit report that Wells Fargo provided, my credit score is    XXXX . My credit report indicated that I have no credit card debt, I had  XXXX  delinquencies, which were paid in full. I look forward to expeditiously hearing from you.   Sincerely,  XXXX   XXXX   XXXX
I filed bankruptcy in XX/XX/2010 its been discharged. Its been over 8 years and XXXX XXXX, TransUnion, XXXX, and the other credit reporting agencies refuse to remove it. I contacted TransUnion and XXXX via internet and phone. Today, I spoke to a person at TransUnion who stated they do not have to remove the bankruptcy, EVER! She also stated that if I was to hire XXXX XXXX XXXX which specializes in credit repair then the deregulatory items on my report would be fixed. I feel that I'm being blackmailed!!! Hire XXXX XXXX XXXX or I will have a bad credit report forever ... I'm wondering if XXXX XXXX XXXX and the credit reporting agencies have come to some kind of financial agreement?! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX
I have a Barclaycard Arrival credit card. The account was closed by the bank and the department responsible for closing my account refuses to take my phone call to explain to me why the account was closed. They are keeping over {$400.00} worth of points I have earned.
XX/XX/2018 requested hard inquires be removed from Transunion Consumer Relations. dude to me not being aware of the following inquires on my credit file. which transunion Consumer Relations stated they cant remove the items after I've stated I'm unaware of these inquires.
My original complaint has not been corrected and you ( cfpb ) have closed the complaint Village Capital & Investment LLC ran a credit inquire on me and my wife without us applying for credit, actually we cancelled the contract once we realized who was involved and we refused to deal with Village Capital & Investment LLC.
I received a letter from XXXX XXXX XXXX - Compliance Representative for Village Capital & Investment LLC, on XXXX XXXX, 2017 claiming that all inquiries would be removed. Today I received a letter from XXXX XXXX that Village Capital did not run the report themselves but had " XXXX XXXX XXXX '' run the report for Village Capital & Investment LLC on XXXX XXXX, 2017, with all three credit reporting agencies for them and those hard inquires have not been removed.
XXXX XXXX IS COLLECTING A DEBT THAT WAS SOLD TO ANOTHER COLLECTION AGENCY : JOSEPH MANN & CREED, XXXX ACCOUNT XXXX, XXXX # XXXX IN THE AMOUNT OF {$1100.00}. DATED XXXX/XXXX/2016 SEE ATTACHED. 

ALSO, REQUESTING FRAUDULENT COMPLIANT/CLAIM/DISPUTE FORM FROM XXXX.
On XX/XX/XXXX Navient automatically put me in a forbearance which I did not request and did not have any knowledge l. On XX/XX/XXXX, my credit report went down 40 points due to interests capitalized to amount with the interest amount going up of {$300.00}. I requestsd to have my forbearance lifted off and add will pay my amount. Navient agent advised its too late since it's already been reported to credit companies and just pay the remainder balance and they will report PAID.
I attended XXXX University from XX/XX/XXXX to XX/XX/XXXX online out of state. They are currently under a lawsuit settlement & have paid off or forgiven former students loans. I'm wondering why I have not been contacted & this outstanding loan of {$69000.00} is showing on my credit incurring interest.
Icalled to set up payment arrangement for my vehicle. They had been calling but I was not happy about the arrangement. So called back and spoke to XXXX. She told me should would help me and give me a few days and to call her back once they figured out how to take the account lock off of my bank account in there system from a reversal payment so I could schedule a payment again. The payment was not reversed from my bank. It was reversed from them after I made a double payment by mistake but I had no clue it would lock my current bank account preventing me to pay online or by phone. She told me she would call me back once she could sort it out and get it unlocked. I then called her back approx. 3 business days later and had to re explain everything all over again. This is the 2nd or 3rd time I 've talked to her since I 've had my loan since XXXX 2012. On this phone call and I believe another year she asks me well how were you going to pay it then? Why did n't you have it last week. Well that means you did n't really have it then. I am like I though you were going to make arrangements for me and now you are grilling me as if I 'm in a court room of law. She continued on with well what did you spend it on so if you would n't of bought food or paid for brakes you really still would n't had the money because you just said you would only have XXXX dollars left if you made the payment. So again either way you did n't have the money right? I 'm taken aback because I 'm a single mom of XXXX kids. The rent in Colorado has increased by XXXX % she lives in Colorado its been all over the news that it is a real struggle for all of us. I already stated I had no choice but to get brakes and used tires btwx a specific time period because its winter time and my job is XXXX miles away. She would n't let up and at this point you almost feel in fear and or obligated to say no because my kids also need to eat I would n't have the money in order to make sure she would schedule my payment out for a mere 3-5 more days. Keep in mind the utilities are higher in the winter also. Either way I 'm contact you all to see if these practices are legal. At XXXX years old I do n't feel I have to explain where my money is going or feel demeaned or inferior. On top of that I pay the late fee every month but yet they 're still telling me I 'm 30 days late on the late fees? Really? Please let me know what if any options I have on the asking me so you really do n't have it she said even if the payment would 've went through what would I have done there after with no money? I told her you cant be asking me that. That is not your concern what happens there after. Either way if they had told me they on my behalf reversed the double payment and that my account would be locked on there end so that I could n't make a new payment a couple of weeks later it wouldntve mattered how I would then figure out MY lively hood.