WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a XXXX interest credit card through Wells Fargo to purchase an engagement ring for my fiance in XXXX. I paid off the ring and had a zero balance as of XXXX XXXX. I also purchased our wedding bands with this Wells Fargo credit card in XXXX XXXX. I never once missed a payment and over paid the minimum payment every time. As of XXXX XXXX my balance was {$630.00} when I received a bill of {$1300.00}, with a charge of {$720.00} in interest charges. I immediately tried to contact Wells Fargo and when I called the XXXX time was placed on hold for over an hour and then transferred to a woman who would not help me. I tried to call back XXXX more times to get in touch with someone who could help me to sort this out. Finally I went to the Wells Fargo branch on XXXX in XXXX, PA and I was told they have nothing to do with credit card services. The next day I went into the Wells Fargo branch on XXXX and XXXX and again no one could help. I tried to explain both over the phone and in person I could and would pay the balance of {$630.00} off immediately. I had no idea they could or would be able to charge me more in interest than my remaining balance on the credit card. I never received a notice that I was going to be charged interest, if I had been notified I would have immediately paid the balance. After numerous attempts to contact Wells Fargo with no success I had no choice but remit total payment of {$1300.00} ( cc remaining balance - {$630.00} + interest- {$720.00} ). I still can not believe a credit card company could charge more in interest than your balance and not notify you that you are going to be charged. If I had known I would have paid the remaining balance off immediately. It was very frustrating that I could not contact anyone at Wells Fargo to dispute these charges. Again I never missed a payment and overpaid every month. I think Wells Fargo has taken advantage of me and forced me into a {$720.00} interest payment without warning me this was a possibility or that the XXXX interest terms would be ending.
Midland Funding has placed a account on my credit and the account was not verified before it was placed on my credit. I have contacted them several times and I have not received a response.
Reference Credit Report # XXXX Equifax has continued to erroneously report the following items on my most recent credit report. Some of the items mentioned have been previously disputed and unmodified at all by Equifax. 

1- XXXX XXXX XXXX - XXXX ( balance showing on report XXXX ) - this account has been paid off with XXXX balance as of XX/XX/XXXX, yet 5 month later Equifax is the ONLY agency that continues to report that I have a balance with this company. XXXX XXXX XXXX has verified with Equifax and myself that there is no balance due on this account as of many months ago, but Equifax will not update the files 2- XXXX XXXX XXXX XXXX ( as of XX/XX/XXXX shows balance of XXXX ) - This account was papid and closed by consumer in XX/XX/XXXX.  However, Equifax will not update the file to show such XXXX balance. XXXX is reporting a XXXX  balance and account closed by consumer on all other credit agencies, but Equifax has not update data. This account should reflect a XXXX balance 3 - Inquiry - XXXX - Unauthorized inquiry that should be deleted 4 - Inquiry - XXXX - XX/XX/XXXX - Unauthorized Inquiry that should be deleted ***These inquiries were not made by me and neither was i notified of such.
Seterus Mortgage purchased my loan from another company. I issued XXXX different checks to have applied to pay off the loan. They applied them incorrectly and then reported to the credit bureaus that I was late {$7.00} for a couple of months. I did n't know about this until my car insurance went up dramatically, and after several months of asking Seterus to resolve the problem with the reporting, I was told that it had been cleared. Only to find out from my XXXX XXXX FICO score that due to Seterus incorrectly reporting to the credit bureaus, my FICO score of XXXX is now at XXXX & I worked very hard to maintain a high FICO score. I believe that Seterus needs to be aware of how they can ruin peoples life. 
I am now trying to find out how do I get my FICO score back where it has always been. The low FICO score has been since XXXX 2015.
I have received repeated telephone calls from Citi Bank, XXXX, attempting to collect on a debt on behalf of Home Depot. The debtor is not known to me and I have had my existing telephone number for over 15 years. I called Citi Bank on XX/XX/18 and informed a representative that Citi Bank is calling a wrong number and to stop calling my home 's telephone number. I received another call from Citi Bank the following morning, XX/XX/18, at XXXX XXXX PST. I repeated my demand that Citi Bank not call my telephone number.
I received a copy of my Credit Report from all 3 credit bureaus and noticed an erroneous charge reporting from GM Financial in which they said I owed. I've since reached out to them on XX/XX/2018, regarding VERIFICATION of this debt and amount in which they said I owed per the FDCPA guidelines. I have also asked the credit bureaus to do an investigation on the matter as well via disputes sent. The only responses I get from them is that the they do not know what it is i'm disputing when my letter clearly outlines what I need from them. The item has since come back VERIFIED and I've received no PROOF and/or documentation from either side regarding this charge despite reaching out multiple times to GM Financial and their reporting on my credit report is highly impacting my creditworthiness. I do not believe this debt belongs to me and until I can be provided proper documentation via a signed signature, e-signature, or proof of indebtedness I would like this to be completely REMOVED from all 3 credit bureaus immediately or my next step will be legal action.
This Best Buy Citibank Credit Card is still showing a balance. This needs to be updated immediately to a ZERO BALANCE.
I have a Capital One XXXX XXXX checking account. During the government shutdown Capital One attempted to make some " back end changes '' to mine and others accounts. In the process their 2-step verification system was broken. Since this time, I have been  unable to login to my business checking account. They stated the issue would be solved over by XX/XX/XXXX and I'm still unable to access my account from the web due to the 2-step verification issue. Please assist me and others in getting Capital One to resolve their issues.
Collections Technology Incorporated called me regarding my sister 's debt on my cell phone line. They were extremely pushy on the phone. 

The XXXX specific individuals from the company that I spoken with were XXXX XXXX XXXX XXXX XXXX and his supervisor XXXX XXXX XXXX. His supervisor repeatedly belittled me and my knowledge of the law. 

The company 's phone number is XXXX XXXX XXXX XXXX and the individual 's extensions were included above. The time of the call was XXXX XXXX ( XXXX ) on Monday, XXXX XXXX, 2016.
I recieved an alert from my credit monitoring service that 6 days ago, a collection company ( stanislaus credit control and XXXX had deleted an account from my report and then reinserted it the same day. I have waited the 5 days required by law to recieve a reinsertion letter and have not recieved this. It is illegal to reinsert a collection that had been removed without notifying the consumer.
I tried calling them to get help with my private loan payment cause the amount they looking for me to pay is to high with the other household bills I have. The one person told me that I should n't have gotten a car and paid them but my car was XXXX and i needed a way to get back and forward to work and my kids to school. They are rude and not helpful at all.
WE HAVE LIVED AND FINANCED OUR HOME VIA A VA LOAN SINCE XX/XX/XXXX AND HAVE NEVER BE LATE EVER.OVER THIS 30 YEARS OUR MORTGAGE HOLDERS HAD CHANGED TO NO LESS THAN 8 INSTITUTIONS.THE MORTGAGE CO. THAT HELD OUR LOAN WAS XXXX XXXX AND AFTER THE COLLAPSE OF THE MARKET IN XX/XX/XXXX, XXXX CONTINUED TO RECEIVE AND PROCESS OUR LOAN FOR AT LEAST XXXX MONTHS BEFORE WE EVER NEW THAT THEY HAD SO OUR MORTGAGE TO OCWEN XXXX A DEBT.COLLECTING AGENCY! WITH A CREDIT SCORE OF OVER XXXX ( ITS MUCH HIGHER NOW ) ALL OF A SUDDEN OUR CREDIT REPORTS STARTED SHOWING UP A REMINDER OF A BANKRUPTCY FROM THE XX/XX/XXXX'S AS IF OCWEN WAS DOING ALL IT COULD TO TARNISH OUR CREDIT REPORT BUT IN THE MEAN TIME THEY REFUSE TO INFORM THE CREDIT REPORTERS THAT WE EVEN HAVE AND ARE MAKING REGULAR MONTHLY TIMELY PAYMENTS.I DID FILE SOME REPORTS AND DID GET A CONFIRMATION FROM OCWEN AND THE MENTIONING ON THE REPORT OF A MANY YEARS AGO BANKRUPTCY STOPPED AS WELL AS SOME KNIT PICKING REPORTING HAS STOPPED.WE ALSO HAD A LOAN MODIFICATION DONE WHICH FINALLY GOT OUR INTEREST DOWN TO 4.1 % AND OCWEN WAS FORCED TO DISCHARGE XXXX OF PRINCIPLE OFF OUR DEBT BUT ONLY TO REAR ITS HEAD 15 YRS. DOWN THE ROAD IN THE FORM OF A BALLOON PAYMENT IN WHICH WE WHERE ADVISED BY THE COMPANY THAT HANDLED AND PROCESSED OUR MODIFICATION THAT IF WE PAY ABOVE THE {$390.00} PER MONTH MORTGAGE PAYMENT AND PAY THEM {$450.00} THE BALLOON WO N'T HIT THUS THAT IS WHAT WE HAVE BEEN PAYING THEM.BECAUSE OF NOTHING WE DID WE ARE STUCK WITH OCWEN A COMPANY FINED XXXX BY THE FEDERAL GOVERNMENT FOR BANKING PRACTICES THIS COMPANY REFUSES TO REPORT MY WIFE AND MY MORTGAGE PAYMENTS ON OUR CREDIT REPORT AND I HAVE BEEN ASSURED BY THEM IT WOULD BE CORRECTED IT HAS N'T! I AM TERMINALLY ILL WITH LESS THAN ONE YEAR OF LIFE LEFT I HAVE BEEN WORKING ON RAISING MY CREDIT REPORT WHICH HELPS MY WIFE 'S IN TURN BUT AFTER I AM DEAD SHE WILL BE WELL PROVIDED FOR BUT SHE HAS FAR LESS CREDIT IN HER NAME SO OCWEN 'S FAILING AND REFUSING TO REPORT THAT WE DO INDEED HAVE AND MAKE REGULAR PAYMENTS AND THIS OMISSION DOES AND WILL DO HARM TO MY WIFE XXXX XXXX XXXX! ONE OF THE THREE CREDIT REPORTING CO. RAISED MY SCORE TO XXXX! AND THE OTHERS HAS ALSO IMPROVED, WONDER WHAT OUR SCORES WOULD BE WHEN ON THE LIST OF CREDITORS IT SHOWED A 30 YRS.HISTORY OF ON TIME PAYMENTS BUT AT LEAST, FAILURE OF OCWEN TO REPORT YOUR MORTGAGE AND TIMELY PAYMENTS IS CRIMINAL AS THEY ARE NOT A MORTGAGE LENDER BUT A DEBT COLLECTING COMPANY ABLE TO SKIRT THE LAWS THAT NORMAL LENDING PRACTICES ARE FOLLOWED.I WANT TO KNOW WHY THIS SITUATION HAS NOT CHANGE AND OCWEN BE TOLD TO FOLLOW THE LAW AND REPORT OUR MORTGAGE TO THE PROPER INSTITUTIONS THAT DEMAND SO.
After sending information to verify myself with my disputes, Equifax, XXXX, & XXXX have not investigated or responded to disputes on my credit report. They have violated the FCRA 30-day-to-respond regulation.
In XX/XX/XXXX & XX/XX/2018 I requested removal of two American Express accounts which I was an authorized user only and not a responsible party. The accounts listing on both XXXX & XXXX were removed ; however, despite 2 requests, XXXX denies my request.
One day when I first got out of jail for XXXX I was start to pay the fine of it was only XXXX dollars and half through paying it off and one day I went in to the court to pay and the lady told me I 'm done there is a XXXX balance now and I 'm done paying the whole thing that everything was done .Later on I caught another charge and I was starting to pay it off and they told me that they brought up this old charge and and said I have to contact them immediately so I did and now I have to pay more money now it 's up to 2000 dollars and that 's money I now do not have they keep harassing me and I do n't have that kind of money they wo n't stop Harrissing me and I can not pay them the money now.
Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a elderly XXXX person and has put my life in serious jeopardy. I filed a complaint with my BBB and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. 
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX XXXX XXXX XXXX debt. It is being reported as settled. This company has not provided for me validation of the debt and the CRA 's have continued to report this information on my credit file without the furnisher of the information validating it 's authenticity that I, XXXX XXXX owes any debt. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX
Hello, I am writing you do to the fact of my husband is a XXXX veteran, he was working a full-time, part-time job and going to school to obtain his XXXX degree. We purchased a home in XXXX of 2014. He then lost all of his employment in XXXX of 2014. He has been diagnosed with XXXX and is unemployable. he is now receiving social sercurity benefits and a small percentage of VA benefits. As soon as he lost his jobs he contact the mortgage company on any type of help or programs that they could provide. we were turn down for all possible programs. I am writing you to see if there is any help you can provide for us as to lower our mortgage to about {$500.00} or less. so, it can be easier to pay the mortgage. we have checked and the value of the house is less then its worth. we want to be able to stay in our home.
I established a payment plan with American Express that was not enforced and the account was closed against my wishes and Amex failed to uphold it 's end of the bargain. I had a set date for repayment and when I contacted them, they just said the account was closed and no payments could be made.
I originally filed a complaint against Portfolio Recovery Associates on XXXX XXXX following their refusal to properly validate an alleged debt in my name. In the time since, I have disputed the debt with the XXXX major credit bureaus, I have filed complaints against Portfolio Recovery with both the CFPB and the XXXX, and I have directly communicated to Portfolio Recovery their violations of FDCPA legislation. They continue to not take this matter seriously. Although I have decided to move forward with legal action against the company in Federal Court for the District of New Hampshire, I still want the CFPB to be involved in this matter. The CFPB has already had significant dealings with Portfolio Recovery and it is important that the Bureau be aware that Portfolio Recovery has not made any meaningful changes to its business practices as they relate to compliance with established federal law. 

As of the date of this renewed complaint, Portfolio Recovery has failed to offer me any validation that this alleged debt belongs to me, that the amount they are claiming is accurate, or that they as an organization even have legal authority to attempt collections on this alleged debt. At one time, they mailed to me an old credit card statement that actually showed a {$0.00} balance with no reflection of the amount they are attempting to collect. Additionally, in their written response to my prior complaints, they promised they would perform further research and deliver to me more detailed documentation. I have yet to receive any such paperwork. Meanwhile, in defiance of federal law, Portfolio Recovery continues to regularly update this account on my consumer reports which is causing harm to my credit rating and limiting my ability to obtain new credit. It is a well-known fact of credit collections activity that this is a tactic used to frustrate consumers in an effort to entice them to pay a debt simply to improve their credit rating. I WILL NOT FALL VICTIM TO THIS TACTIC. Plain and simple. 

Finally, not only is this an un-validated debt, their reporting of this debt to my consumer reports is riddled with errors. They report themselves as a traditional " revolving '' account rather than as a " collections account '' as they are supposed to. And there are other errors, as well, which my lawsuit details. Please see attached documentation for evidence of these errors.
On XX/XX/XXXX I sent letters to Experian, XXXX and XXXX disputing the bankruptcies appearing on my credit reports. 

I never received a response from the bureaus from the disputes so I resent the disputes again XX/XX/XXXX. 

I then received response from the bureau stating that they have verified the information as accurate. 
XX/XX/XXXX I sent letters to Experian, XXXX and XXXX regarding the bankruptcies appearing on my credit reports. 

These letters explained that I went to the Bankruptcy Court and was told that the Bankruptcy Court is  not reporting the bankruptcies to the bureaus as it is not part of their practice. 
The letters I sent asked for the " Source '' that was providing this information to the bureaus since it was in fact NOT the court as they stated in my credit reports. My credit reports stated that the court was the data furnisher when it was in fact NOT the data furnisher since the court does not furnish information. 

This request was made in accordance with the FCRA, Section 609 a ( 2 ).

XXXX deleted the bankruptices and XXXX deleted one of the bankruptcies. Experian did not delete the bankruptcies and stated that they had verified the information as accurate but failed to provide me wit the " Source '' of the information as required by the FCRA, Section 609 a ( 2 ).

XXXX stated that they had verified the information as accurate for one of the bankruptcies but failed to provide me wit the " Source '' of the information as required by the FCRA, Section 609 a ( 2 ).

XX/XX/XXXX I therefore sent FINAL letters to Experian and XXXX regarding the bankruptcies appearing on my credit reports. 

Again, These letters explained that I went to the Bankruptcy Court and was told that the Bankruptcy Court is not reporting the bankruptcies to the bureaus as it is not part of their practice. 
The letters I sent asked for the " Source '' that was providing this information to the bureaus since it was in fact NOT the court as they stated in my credit reports. My credit reports stated that the court was the data furnisher when it was in fact NOT the data furnisher since the court does not furnish information. 

This request was made in accordance with the FCRA, Section 609 a ( 2 ).

I am at my wits end here because they are clearly violating the law and DONT CARE. 
If the Court is not reporting this information to the bureaus then WHO IS and how do they have a legal right to do so? 
It is CLEAR that the court is not reporting any information to the credit bureaus.

Are the credit bureaus placing this information on the credit reports at their own discretion? 
It is my understanding that only " creditors '' or " credit grantors '' can report information to the credit bureaus. 
This is my final step before taking legal action so I hope the CFPB can take action with the seemingly illegal practices.
This is the second complaint I am filing due to XXXX XXXX   's unwillingness to work with me and their malicious business practice.

I graduated from my XXXX program inXX/XX/2018 and had to study for boards before starting work in XX/XX/2018. My loans had been in forbearance because I have been in school for the last 8 years and could not afford {$1200.00} plus a month. I used up my 18 months of forbearance and was becoming delinquent on my loans because I couldn't start my new job until XX/XX/XXXX. I called to ask what i could do to get current and was told nothing could be done and I just had to make as many small payments as I could to bring the loans up to date. I informed them this would not be possible as I am in a XXXX program and barely make {$2100.00} a month so I would never be able to bring the loans current as I was delinquent by ~ {$4000.00} by the time XX/XX/XXXX rolled around and I started making money. I called Lendkey twice monthly from XX/XX/XXXXtoXX/XX/XXXX to work out what I could do to remedy the situation.

In XX/XX/XXXX the loans were ~ {$7500.00} delinquent as my attempts to make {$600.00} payments every other week was getting me nowhere. I made the decision to take a {$5900.00} loan from my 401K to pay this down. The loans are mostly current, I am about 20 days late on 2 of them and will make an additional payment of {$630.00} this month. I called Lendkey again this month to ask what I could do as I was struggling to pay {$1600.00} each month. They told me I could apply to refinance the loans which would lower the monthly payments now that I was mostly current and that I would get approved for a decent rate. I just received notification that my request has been rejected. I am a new XXXX XXXX   in a required XXXX  program trying to help XXXX and struggling to make ends meets. I can not live of off the {$200.00} a month I am left with after trying to pay these loans.

After my initial complaint, the company responded and said I could apply for an extension on my forbearance and/or call the VP of loan servicing. I applied for an extension in the middle of XX/XX/2018and was deniedXX/XX/2018. I have left messages with the number that was provided to me to contact the VP of loan servicing ( XXXX ), no one has gotten back to me. Lendkey also said they have reached out to me to discuss other options available to me. This is not true, no one has contacted me except to tell me that I am delinquent on my loans.

I can not afford to pay what they are asking as I will be unable to pay rent/utilities, buy food/gas, pay licensing fees to advance my career and get better pay. I can't simply go out and get another job due to the nature of my XXXX program and working roughly 60 hours a week. This is unacceptable and I will not risk being evicted or putting my career in jeopardy to pay this ridiculous fee. Because of how late I am on these payments, my credit score has been negatively impacted. Therefore I am not able to refinance or consolidate with another company because this. I will continue to submit complaints until Lendkey and I come to a more reasonable solution/payment.
As of today, I have wanting to know the status. I called Bank of America. They are telling me they have to generate a decline letter on m y last MOD. I sent in all the RMA and new stu bs as requested. They are saying they do n't have them. I am working with them sending everything in. I feel that they dropped it.
I was diagnosed with XXXX XXXX in XX/XX/2014 and insurance company took their time paying XXXX hospital in XXXX so XXXX hospital sent the amount to XXXX XXXX XXXX within a month of my XXXX. Insurance paid this debt. No matter how many times we talk to the law firm they wont take it off my credit. I have called XXXX hospital and they apologized but nothing was done. Whats my next step. Oh I did go to the clerks office and they are sending me the paid bill.