WillisBack/dataset-financial-user-claim huggingface dataset:
I received a credit collection letter from  XXXX   XXXX  for {$640.00} with creditor  XXXX   XXXX  account ending in  XXXX . I contacted  XXXX   XXXX  regarding the amount due for the account ending in  XXXX . The representative stated that the account ending in  XXXX  had a balance of {$450.00} and he not sure were the collection agency got the amount of {$640.00}. The account is being disputed as fraud with the original creditor  XXXX   XXXX  for fraudulent activity on account ending in  XXXX  for the amount of {$450.00} reference #  XXXX  DATE :  XXXX / XXXX  /2017    @  XXXX . The credit collection agency has sent a letter for a debt collection from a creditor for an amount that I do not owe. This debt is not valid for collections. The is a fraud account/identity theft. This  credit collections a gency is trying to collect on a made up amount.
Toyota credit- 13 year old account still hanging with on, should be eliminated.
Numous letters and disputes XXXX has been paid off for many years I'am a two time XXXX XXXX with a XXXX XXXX and XXXX XXXX and the CEO does n't give a dam about individuals who are XXXX and some of these events occurred during this period of time. I have documented paperwork to provide stating my XXXX and still the CEO will not respond.
I have been in some form of bankruptcy since XXXX and paid my last payment in XXXX XXXX. At that point my loan went from a total of {$160000.00} to whopping {$350000.00}. All my loans double in size which should have bankruptcy stay and not capitalized interest. I requested someone from Navient to research how my interest was calculated I received an immediately approval of consolidation in order to stop the conversation. I need help to discern why all my loans have doubled.
SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I quit trying to work or contact this company. I co-signed for my daughter an automobile which she wrecked. At the time of purchase I paid for gap insurance and was assured that I would not have to pay anything in case of total/damage of the vehicle. 
Company started calling me about a balance. I called the dealership where I had purchased to insurance only to find out that they ( without contacting me ) has refunded to my  account any monies they had collected for premium since daughter had wrecked car. 
Every time Santander would call me I would ask for documentation regarding the {$1200.00} they were showing owed, regarding the wreck/settlement etc. They did all, did not contact me OR provide any documentation showing that I owed anything or the details of the wreck/settlement/insurance information that I had repeatedly asked for. 
When I told them to stop calling me, all further communication must be in writing, no notice from them ... ... .bam, on my credit and still being reported as of today even though they show it as a write off. 
Had I ever gotten the documentation request not only could I confirm the amount in question, if owed, it would have been paid.
TransUnion file XXXX will not take off the paid in full account by the name of XXXX XXXX XXXX in the report dated XXXX/XXXX/XXXX. XXXX reports twice a month to TransUnion, and they refuse to remove the paid collection until XXXX XXXX XXXX! This is unacceptable and violates FCRA laws! I reported these discrepancy in XXXX XXXX. Now TransUnion continues to create damages to my credit integrity that leaves incorrect information and paid accounts on my report instead of taking it off my report in XXXX XXXX and having my credit scores raised for the months of XXXX and XXXX XXXX. I demand that my credit scores are to be enhanced and rescored from the time the collection accounts were erroneous and incorrect information from the dates of XXXX/XXXX/XXXX with XXXX ( acct # XXXX ) to be reached at XXXX and XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ) to be reached at XXXX. XXXX XXXX XXXX told me they have reported this account paid in full " twice '' in the month of XXXX XXXX and TransUnion wo n't remove it off my credit profile so my credit scores will be raised higher for XXXX the months of XXXX and XXXX of XXXX. Moving forward I give written consent to enter my credit profile. I have attached the creditors letters and receipt of XXXX XXXX XXXX to reflect no lates during my purcase and no lates to reflected on the auto loan before I filed BKXXXX in XXXX XXXX and had the BKXXXX Discharged. XXXX to supposed to show the debt is paid in full and should reflect a zero balance. In addition to XXXX for a medical bill that was paid by Nevada XXXX XXXX see attached XXXX ).
Equifax had a major cybersecurity breach that they did not disclose to the public until over a month later. 3 days after the discovery of said breach, and therefore almost an entire month before the knowledge was made public, three known  inside executives performed insider trading of Equifax stocks.
I recently recieved an email from a XXXX XXXX XXXX claiming I was due back money and that I needed to send my personal information to the paying bank which was Barclay bank and show a passport however I do n't travel and I do n't own a passport I believe this is a scam I never heard heard of the person who was saying I sent them this person goes by a XXXX XXXX
This debt was settled through XXXX XXXX in a repayment program through XXXX XXXX. I have a letter outlining the payment arrangements which I met fully. The settlement letter states my account would be paid 'in full ' once those obligations were met. There are two separate accounts with this debt buyer that are settled through the program with XXXX XXXX. National Credit Adjusters is reporting balances on both accounts even though the accounts are settled and paid. One attempt was made to have National Credit Adjusters update the collection information/balance through a dispute with all three credit reporting agencies. National Credit Adjusters response was the balance is reported correctly. This is not true  because the debt is settled in full. The original creditor on the first account is XXXX XXXX XXXX. The balance reported to XXXX XXXX was {$6000.00}. Payments started on XX/XX/XXXX with the final payment on XX/XX/XXXX. The payments totaled {$2100.00}. National Credit Adjusters is reporting a balance of {$3900.00} and this is not the agreement. The original creditor for the second account was XXXX XXXX. The balance reported to XXXX XXXX was {$5100.00}. Payments started on XX/XX/XXXX and the final payment was on XX/XX/XXXX. National Credit Adjusters is reporting a balance of XXXX and this is not the agreement. Recently submitted another dispute with all credit reporting agencies ; however, feel my efforts will be exhausted. This incorrect reporting raises my debit owed by nearly {$710000.00}. This request is to have National Credit Adjusters report my account paid 'in full ' to XXXX , XXXX , and XXXX . Better yet, the debt should be removed from my credit report. I can prove that I was victimized by predatory lending. My credit is derogatory because the Payday Loan industry nearly bankrupted me.
My interest rate has me paying over a XXXX dollars in interest since XXXX of this year it went from 6 percent APR to over 20 percent.
Attempted to open a dispute online with Experian, but was told to call. I tried calling several Experian numbers, but no phone options ever gave me the chance to select dispute, & could never get with a real live person.
My Macy 's American Express Credit card has been overcharging me for a cash advance since 2009. I have never received a statement of my balance for the cash advance and none of the payments I sent to Macys were ever applied to my balance. Now I just find out I am being charged a revolving charge for a cash advance that can only be paid only if I pay the entire balance. My total balance is {$6500.00}, of which apx. {$1000.00} is for a cash advance. Macys told me I can not pay separately for my cash advance but I am being charged an extra {$20.00} each month. This is gauging, fraud, double-dipping and plain whole stealing. Macys does not give the consumer a chance to pay their cash advance. When are the deceptive practices going to stop? Please have Macys remove this charged for the cash advance from my account, I would like a ledger of the daily interest charges for the cash advance and balance since 2009. Going forward, I need a monthly account of the cash balance if Macys refuses to remove the charge. I would like greater transparency for the consumer to let them know exactly the policy of the cash advance. I will not let this go, credit card companies are making people debt slaves and the government is condoning this behavior.
this is on my Experian, please ask them to remove the following that are not my accounts. # 1 XXXX XXXX account # XXXX # 2 XXXX XXXX account # XXXX # 3 XXXX XXXX account # XXXX # 4 XXXX XXXX account # XXXX XXXX XXXX account # XXXX please help with this I wrote to XXXX and they had these deleted after they investigated .... this is NOT a DUPLCATE request Thanks for your help in this matter, there are are 10 's of thousands XXXX XXXX in Texas.Thanks again
on XX/XX/2016 I checked my credit report and all my inquires was deleted, when I log on today all of my inquires were back on my report
Since our income have increased considerably, we submited an Assistance Review Application request to XXXX ( XXXX ), the Mortgage Servicer of our loan with XXXX XXXX XXXX. While XXXX was in the midst of reviewing our Application, on XXXX XXXX, 2016, U.S. Bank National Association ( US Bank ) entered a Foreclosure Action against my wife and I and is pursuing it aggressively in Court, while we are proceeding in good faith with our request for relief and submitting additional documents that XXXX continues to request for their evaluation process. 
US Bank actions entering and actively pursuing this Foreclosure Action in Court against us to take possesion and sell our home of 17 years while our Request for Relief is being reviewed and considered goes against the policy of Loss Mitigation and Home Retention promoted by the USA Department of the Treasury, Controller of the Currency ( COC ). 
Thus, US Bank is in violation of the COC policy of Foreclosure Prevention that states that : " Well structured loss mitigation actions should focus on foreclusure prevention, which should tipically result in benefitting the borrower. ... .preference should be given to activities designed to keep the borrower in the home. '' US Bank entered this Foreclosure Action actively and agressively while we are procesing a foreclosure prevention action. US Bank policy is deceiving the banking practices it agreed to with the OCC, and must DISMISS its Foreclosure Action immediately to preserve the OCC Foreclosure Prevention policy.
I have been sued by Jefferson Capital on an old credit card ( Salute card ) I opened in XX/XX/XXXX, I provided them with a copy of my old XXXX credit report. it 's listed it as satisfactory account closed without any outstanding debt. I communicated this info to the law office collecting the debt on behalf of Jefferson Capital. I was told that the account number does not match what they have. I mailed a letter to original creditor ( salute card ), they responded that my account was old and therefore was removed and purged from their system. They never provided me with complete accounting of the debt nor whether the debt was transferred or sold.As matter of fact, I was only given one copy of generic statement. I also point out that Jefferson Capital was sued by XXXX back in XX/XX/XXXX and a settlement was reached. This is a deceitful tactic from Jefferson Capital to report the account under wrong account number to give them leverage to sue by providing the accurate account number this time.Since my account was closed in XX/XX/XXXX, I never received any collection letters from Salute that I owed money until I received notification from the court before small claim in XX/XX/XXXX. They levied my house and tied my hands to not be able to refinance to pay for my kids college tuition. I tried to settle the account even though I do n't owe anything to them, I pleaded with them and provided them with proof of financial hardship but they ignore my offers, emails and phone calls. I only wanted to settle so they can free up my title but they are just playing games with me and do n't have the courtesy to respond back to me. I was honest and told them the reason of my settlement and that I am pressed of time to finish my refinance in order to pay my college tuition. They are just taking advantage of my situation and my emotional distress. I can provide with any supporting documents. I also would like to reference the lawsuit against Jefferson Capital in XX/XX/XXXX, Case XXXX XXXX XXXX Filed XXXX/XXXX/XXXX
I checked my credit score through Experian on or about XXXX XXXX, 2015. On their screen was an offer to check my FICO for one dollar. So I did it and gave Experian my credit card number. In their terms and conditions, which I did n't read ( like most people ) they have that old scam of charging my credit card a membership fee after 7 days if I do n't contact them and cancel. So after 7 days, they charged my card {$21.00}. I contacted them by phone on XXXX XXXX, 2015. The employee named XXXX, told me that the 7 day notice is in the term and conditions and I was n't eligible for a refund. XXXX suggested I could dispute it. I had called my bank and to dispute it I would be issued another credit card. That would take from 7 to 10 days. I did n't want to be without a credit card for that long since I pay mostly by credit card during the month, then pay it when it comes due. So Experian lured me in with a one dollar FICO check. I think that 7 day nonsense should be clearly stated on the screen not in terms and conditions.
School is not listed in official listings. I attended XXXX XXXX College which has changed its name to XXXX XXXX  College. I graduated in 2006. This For Profit Private College first priority was to get there hands on your FAFSA, their only priority. I was sold a Dream and delivered a nightmare. I was told my degree was transferable and the college had lifelong career placement. All lies. The also exaggerated the career field. As a divorced mother raising XXXX child on my own and working as well as trying to better our lives by getting a degree, I can tell you I made plenty of sacrifices. I feel this school preyed on low income families. I have filed many complaints a and forms with NAVIENT because this truly is a FRADULENT LOAN AND NAVIENT/XXXX XXXX know this. They have done nothing to right this wrong and have steadfastly continued to harass me and have COMPLETELY RUINED MY CREDIT FOR LIFE. This loan has NEVER DEFAULTED because Ive had to plat their stupid little FORBERANCE/ DEFFERMENT GAME. I CAN NOT get a home loan because as of now I owe them 2 the amount of the ACTUAL LOAN!! I will NEVER make a payment on this loan ... .. I regret ever trying to better myself. I have a worthless DEGREE and a pile of debt I will never pay on ... NAVIENT ILLEGAL ACTIVITY at its FINEST PLEASE. I have found many other student that attended same college in same situation
So I have been in touch with Navient for a month or so about my financial situation and my difficulty paying off my loan with the current monthly premium of {$390.00}, and they asked for paperwork that I provided them with. But they never lowered my premium. In fact, I received an email from them today asking for {$790.00}! That is the double the original amount, which I had a hard time paying. So instead of lowering my premium, they doubled it. So I believe they are overcharging. Then I realized that there are lawsuits against them regarding the same complaint. 

Meanwhile, I have applied for the PSLF program and got accepted, but that has not processed for some reason. Again, I read about the XXXX XXXX XXXX XXXX ' lawsuit. An organization that I am a member of. 

I have worked for governmental institutions part-time since XX/XX/2009, and full-time since this year. I love my work, and I love XXXX XXXX XXXX as a XXXX. It unreasonable and unethical for Navient to have me go through all this unnecessary and unjustified stress!
By pressing the correct number on my phone, I indicated the party they are trying to reach does not live here.
I have disputed with the original vehicle loan, XXXX, and with the consumer credit reporting agency, Trans Union. I finally had to file complaint with CFPB against XXXX and their reply was that they were sorry and will correct the data on mine an my wife credit reports for all XXXX bureaus. They changed it, but not to correct data. Trans Union needs to stop incorrectly reporting our data on the credit reports for the XXXX account and just remove it.
This is a complaint about Regions Bank and a warning to everyone out there about this banks on-going promotional frauds and consumer abuse. They advertise numerous promotional bonus offers to consumers to open a new bank or credit card account - offers which specifically offer dollars bonuses ( {$100.00} ) - but BEWARE - after you sign up - getting the actual bonus will be an outrageous hassle. This bank appears to have an organized scheme to delay and deny ACTUAL PAYMENT OF THE BONUSES by stalling hassling and denying consumers under the guise of " confirming '' or verifying '' whatever comes to mind to frustrate the attempt to collect the bonus. Even letters to the president and CEO wo n't work. All you will get is more hassles. This bank is crooked in this regard so I would advise anyone and everyone to avoid opening ANY accounts with them. I am making Consumer Protection complaints and publishing notices everywhere in an effort to combat Consumer Fraud and Abuse by Regions bank.
I have disputed my payment history being reported incorrectly on all XXXX of my credit files. I have never missed a payment due to the fact that all of my loans have been in deferment and/or forbearance throughout the life of loans. My credit report indicates serious delinquency on my payment history ; however, the XXXX reports the correct information. Which indicates that I have never defaulted on any of my loans and/or missed payments. They are ruining my credit score. It is bad enough that they report each loan individually on your credit so it appears that you have multiple installment loans open with high balances. ( XXXX University )
We recently applied to an apartment and got denied stating that I have a landlord debt case or something in XXXX XXXX under Hunter Warfield colletion agency.I searched through public record and I have an open case to an apartment in which I have never ever lived before. Since a XXXX account was opened on that address with my my name. My girlfriend and I paid all that debt in XXXX ( about {$600.00}! ) to have power back on in our own apartment! But now I am got denied to an apartment I applied to because of this?! What can I do to get out of the situation? We are never going to be accepted to any apartment with this. It is an automatic rejection. And we cant get our administration fee and application fee back that is {$340.00}! The fees I pay for this is racking up. I have all the documents needed and I sent it to all parties needed. Please review and I asked them for a proof to show that this has been an error. The apartment I applied to is waiting. I hope you could help me out.
I SENT CERTIFIED LETTERS TO DISPUTE INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CREDIT REPORTS TO XXXX XXXX XXXXXXXX XXXX XXXX XXXX  THAT WAS SIGNED FOR ON XX/XX/2018, XX/XX/2018 & XX/XX/2018. THEY DID NOT RESPOND NOR MARK THE ITEM AS DISPUTED ON MY CREDIT REPORT FROM THE FIRST INTIAL REQUEST. THERFORE I FOLLOWED UP WITH TWO MORE CERTIFIED LETTERS REQUESTING THAT THEY DELETE THE INFORMATION SINCE THEY DID NOT COMPLY WITH THE LAW. ON XX/XX/2018 ; XXXX SENT ME A CERTIFIED LETTER BACK CONTAINING THE ORIGINAL DOCUMENTS/INFORMATION I SENT THEM WITH A CIRCLE OF THE ACCOUNT NUMBER AND ADDED SOME MORE NUMBERS TO MY ORIGINAL LETTER. BY LAW ITS HAS TO BE MARKED ON THE CREDIT REPORTS WITHIN 30 CALANDERS DAYS. THEY DID NOT COMPLY WITH THE LAW NOR RESPOND TO MY FIRST REQUEST. THE NEGATIVE INFORMATION IS STILL BEING REPORTED AS VERIFIED. I HAVE SENT A TOTAL OF THREE CERTIFIED LETTERS TO THIS COMPANY. THEY ACTUALLY UPDATED THE ACCOUNT AS A CHARGE OFF AND INCREASED THE BALANCE. I ALSO SENT CERTIFIED LETTERS TO BOTH CB ON XX/XX/2018 AFTER NO RESPOSE TO MY FIRST REQUEST FROM THE COMPANY DIRECTLY AND THEY HAVE NOT RESPONDED WITHIN 30 DAYS OF THE NOTICE EITHER. TRANSUNION SENT A LETTER SAYING THEY RECEIVED THE DISPUTE ON XX/XX/2018 ; 27 DAYS LATER AFTER THEY SIGNED FOR THE NOTICE BUT HAVE YET TO DO ANYTHING ABOUT THE UNVERIFIED ACCOUNTS I SENT THEM AND XXXX HAS YET TO RESPOND. THEY ALSO HAVE NOT COMPLIED WITH THE LAW WITHIN A TIMELY MATTER. NO ONE IS FOLLOWING THE LAW HERE AND REPORTING INACCURATE AND UNVERIFIED INFORMATION ON CREDIT REPORTS WITHOUT PROOF. ON TODAY, XX/XX/2018, ( MR. XXXX  ) RECEIVED A LETTER FROM XXXX STATING THAT THEY " NOW '' HAVE DISPUTED THE INFORMATION TO THE CB. IF THEY WERE REPORTING ACCURATE INFORMATION LIKE I STATED BEFORE THEY WOULD KNOW THAT I AM OF THE FEMALE GENDER. THE ACCOUNTS STILL REFLECT THE SAME INFORMATION JUST AN INCREASE IN THE BALANCE OF A CLOSED ACCOUNT. I CLEARLY STATED IN THE NOTICES TO ALL THREE COMPANIES INVOLVED OF THE 30 DAYS AND WHAT I WANTED TO HAPPEN AS A RESULT. I STILL WAS IGNORED.
XX/XX/2015, I was admitted to an emergency department. I had insurance and most of the visit was fully covered. I am currently ( still ) being charged by the physician group at the hospital, saying I owe them money. I followed up with my insurance company, who said I was covered and the reason the physician group was not reimbursed was because they missed the 90 day period to file the claim. They strongly recommended I not pay the bill, as I was covered through my insurance. 

I followed up with the collection company ( XXXX ) several times ( both calls and written statements ) and even had my insurance company call them while I was on the phone to explain the situation, but they still are sending me bills. Recently, I have been getting phone calls and written statements from another company, Transworld Systems Inc, who say they are looking into my account, but only are using the bills as a reference for the account, not the several written statements between myself, my insurance company, and the original debt collector. 

I am at my wits end with this. I have been dealing with these charges for over a year now, taking time away from work to call the collectors, my insurance provider, and attempting to get in touch with the physician group ( XXXX XXXX XXXX, which has n't been possible ). I feel completely taken advantage of. I feel like these debt collectors are ignoring the communications from my insurance provider saying the fault and charges do not lie with me, they lie with my provider 's negligence when reporting the charges. Please help.
My personal information, including Name, Address, SSN, and other information was accessed through one of the major credit reporting firms ; Equifax.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover the breach via a major News Outlet.
I previously submitted a complaint through CFPB and they didn't fully deleted all inquiries, even though they weren't made by me.XXXX XXXX XX/XX/XXXXXXXX XXXX "     "XXXX 1XX/XX/XXXXXXXX XXXX XX/XX/XXXX7XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXI want those removed they weren't either fraud OR due to transunion not protecting my privacy. INVESTIGATE with creditors OR delete right away.