WillisBack/dataset-financial-user-claim huggingface dataset:
I am purchasing a home &amp; 30 days prior to closing, my credit is run again and an account with  IC Systems appears as  a new collection account opened in   XXXX   XXXX   for {$530.00}. I called IC  Systems many time s trying to identify where they were getting their information. I knew I had n't opened anything ... I was trying to close on a  home &amp; this  was preventing it. They gave me the line ... '' this is an attempt to collect a debt ' &amp; only wanted to know how I was going to take care of it. I explained this had to be a mistake because I had n't opened anything. They said what they reported they received from the creditor. On another call to IC  Systems, I ag ain try to explain the information they are reporting is not accurate. I again, am given the " this is an attempt to collect a debt '  line &amp;   how would I like to pay '' line and If I do not like what is being reported, I can go through the bureaus and dispute it. On my  3rd  to IC Systems, they again give the " this is an attempt to collect a debt  ' line &amp;   how would I like to pay '' line and I am trying to plead my case to them that the information is not accurate &amp; they are costing me my home. They say if I just go ahead a pay it, they can update with the bureaus over the weekend and it would show paid on my credit reports the following week, as paid. I find this more than frustrating. After more investigating, I discovered  XXXX  collection accounts on my credit report from   XXXX - XXXX  f rom the same creditor equaling the {$530.00} that had been removed in   XXXX  . I called IC Systems for th e 4th tim e and again get " this is an attempt to collect a debt  ' line &amp; h ow would I like to pay '' I am furious because now I know this information is being reported inaccurate for sure. I asked how they could report that information to the bureaus knowing it was false. They again tell me to pay or dispute. I also went online to their website on   XXXX   &amp; filed a complaint there. It said someone would contact me ... still waiting. I then called  XXXX   XXXX  in hopes they would clear this up. The representative confirmed it was from   XXXX   but maybe it was sold or something to another collector. I asked that they change how they reported that &amp; she said they could n't because it was sold ... wow!   No help ... Truly &amp; helplessly unreal!
My identity was stolen and I have a bunch of accounts in collections. My credit score is crushed! 

The law offices of mitchell d. bluhm & associates collections - XX/XX/18 - {$200.00}
We were contacted b Allied Collection Service by phone XXXX notifying us of XXXX attempt to collect an invalid debt. We asked them to send the information and the notice of the right to dispute so that we could dispute it as numerous attempts to resolve with XXXX " Customer Service '' had failed. We never received the details or the notice of right to dispute from Allied Collection Service. We called Allied Collection Service on XX/XX/XXXX to let them know the debt was resolved, even though we never received the details from Allied Collection Service or the right to dispute. On XX/XX/XXXX and XX/XX/XXXX, Allied Collection Service opened account against my credit with XXXX, XXXX, and XXXX.
I opened an account with Synchrony Bank with a " promotional offering '' of No Interest if Paid in Full within promotional period which ends XXXX 2016. This credit card was opened to purchase art work through XXXX XXXX XXXX XXXX. XXXX 2016 billing charged {$470.00} interest on what appears to be a portion of {$1100.00} of the amount owned. An amount that is over 43 % interest. The amount due on account, to be paid in full without interest by XXXX 2016 is {$2000.00}.
NCC Business Services has continuously denied and ignored my credit bureaus disputes stating that I owe an inaccurate amount of money. I have advised NCC Business Services on several occasions to no longer contact me via phone, and to only communicate with me via postal mail. NCC Business Services continues to contact me via phone and leaves voicemails on my phone as well as my relatives phone number identifying themselves as a debt collection agency. I have submitted several receipts over and over showing that the amount they are claiming and attempting to collect has been paid. I have submitted receipts to them directly as well. This collection has been reported on my credit report. This collection is not valid I request the negative reporting to be removed immediately as it is in violation of the FDCPA and FCRA.
MIDLAND FUNDING LLC HAS REPORTED TO MY CREDIT THAT I OWE {$760.00} FOR SOMETHING THAT I REPORTED AS FRAUDULENT TO XXXX OVER 3 YEARS AGO. I HAVE DISPUTED THIS MANY TIMES AND THEY HAVE NOT RESPONDED. THIS IS AFFECTING ME FROM HAVING A GOOD CREDIT SCORE, AND IS THE ONLY COLLECTON ACCOUNT SHOWING ON MY CREDIT HISTORY
I went to XXXX on XX/XX/XXXX for services i did not have insurance at the time and i was unable to pay the bill. I kept my billing information to eventually pay off the bill. i started to make payments toward the XX/XX/XXXX and i paid off the bill in XX/XX/XXXX. in XX/XX/XXXX i recieved a bill from a collection agency that says i owe XXXX dollars in which i do not owe. i continue to be mislead about my account and what is being done to fix this matter.
I previously submitted a complaint regarding GA XXXX XXXX XXXX which were re-inserted on my Equifax credit file. This is credit discrimination! These files were previously deleted from my file in XXXX and have been paid and released. All XXXX GA XXXX XXXX Liens must be removed from my file. They should not have been reinserted in my credit file. This is illegal to reinsert information which was previously deleted from my file and is a form of Retaliation because I filed my complaint against Equifax regarding other matters in XXXX and XXXX. This is a retaliatory act. The XXXX XXXX XXXX XXXX has the XXXX liens as paid in full. Take it off my credit report. Equifax has a extreme habit of attempting to XXXX minorities XXXX and this is XXXX prime example. The XXXX GA XXXX XXXX records must be removed because they have been paid and should have never been reinserted on my credit file. Also, the statue of limitations states that Public Records can be removed after 7 years, and they were removed in XXXX, after being on my credit report since XXXX. They should have never been reinserted on my credit file.
Over 10 yrs ago I originally received a letter stating that I owed a store money via a credit card. I explained to them it was not my debt and requested a signature confirmation. This debt was claimed to have occured in another state where I had never been. They told me no signature was available which I then rewrote to them and said I was disputing the claim. After that, over the next few yrs, I would receive letters from various new debt companies stating I still owed. I would send requests and none of them ever sent me verification. The occurancy of receiving letters did diminish over the years to maybe once a year. Now again, I have received another one, I DO NOT OWE THIS DEBT!
TCF bank has failed to honor their {$250.00} bonus for meeting their requirements. 
Based on a promotional flyer I opened a TCF " Free Checking '' account on XXXX XXXX 2017. 
The promotional code of XXXX was inputted by the customer support agent. 
The requirement to direct deposit {$500.00} was met on XX/XX/XXXX, within the 60 day window permitted to meet the {$250.00} bonus requirement. 
On XX/XX/XXXX I called the TCF customer support number, XXXX to inquire why I did n't receive the bonus since the requirements were met. At first the customer support agent did n't want to honor the bonus, but then he said he would, and that it would post on XX/XX/XXXX. The bonus never posted on XX/XX/XXXX. I called up the Customer Support again on XX/XX/XXXX and this time the agent said they would do research, and get back to me in a few days with whether or not they will bother to honor the marketing promotion bonus.
On XXXX XXXX, 2016, a dismissed bankruptcy Ref # XXXX was added to my reports. which I never filed. There was never any dollar amount added, I 've reached out to the credit agencies many times. So far XXXX was the only CR agency to removed it, the incorrect bankruptcy still remain on Equifax and XXXX. This inaccuracy has damage my life with obtaining credit cards, housing and financial aid.
I mobile deposited a check that I received to be a mystery shopper into my USAA XXXX account on XXXX XXXX. I called USAA and they assisted me registering for my account. On Saturday, the XXXX my husband contacted USAA and inquired if the check had been deposited and if the funds were available. We were told that they were. At no time we were told that due to being customers that they released the money. On Wednesday the XXXX of XXXX, I checked our checking account on USAA and found that the check was fraudulent and that the money had been withdrawn from our account. We were never called or emailed. After doing research, we discovered that the mystery shopper was a scam and that the Department of Treasury issued an alert to all Banks about this bank and the routing number. We have come to find out that USAA does not protect its consumers against the fraud alerts issued by the Department of Treasury. We asked USAA to take some responsibility for us being out of {$2800.00} and were told that the depository agreement means we are responsible for all money deposited. We called USAA and we thought that we asked all the right questions, but we were never told that the funds were released because we were good customers. I would have waited to see if the check cleared before withdrawing the money. In addition, because we did withdraw a large amount of cash we were never questions. These should have been all red flags to our banking institution.
I am a prime example of the worst-case scenario regarding predatory loan disbursement ( on behalf of  XXXX  University  ),  and predatory forbearance/deferment tactics ( on behalf of  XXXX   XXXX  / Navient ).      XXXX  : When I was signing up for my student loans with  XXXX , the financial consultants there did a poor job of helping me get the lowest interest rate loans, and the fewest loans. Furthermore, they did n't do a good job communicating what I was actually being signed up for. By the time I graduated in   XXXX  , I have ~ $  XXXX  student loans ; $  XXXX  of which was at 6 % APR ( DoE loans ), and $  XXXX  of which was  ~10  % ( VBR, private loans ). Many of which are unsubsidized.      XXXX   XXXX   / Navient :  Since   XXXX  , I have encountered financial hardship a couple times. In those times, my  calls to Navient usually r esulted in a forbearance or a deferment. They made it seem like those were the best options for me, despite that fact that it was far from the case. Even though I have payed my loans every month for 5 of the 7 years since   XXXX    ( ~2 years were forbearance/deferment ), the current bala nce EXCEEDS the original principle. I have made no progress in 7 years of repayment.     Conclusion : I feel  XXXX  an d Navient  have employed predatory tactics to ensure that  1 ) I finish school, regardless of the cost of my loans, and 2 ) t o reap the most amount of interest from me after graduation. This is a massive burden that I have had to carry, and will continue to carry, for decades to come. My only hope is that some of it will be forgiven under the pretense that I am the victim of unfair tactics at the hands of a system designed to exploit students.     As a side note, I will soon be filing for bankruptcy as a result of an even worse circumstance where I have ~ $  XXXX  medical debt as a result of an emergency   XXXX    XXXX  I needed to have to survive. Combine these  XXXX  debts, and I 'm   XXXX  . I am filing for bankruptcy soon.
Since XXXX XXXX I have been contacting Equifax to update my personal information. Today I pulled my report and see that all of the incorrect information that was removed from my credit report was put back on my report. 

In XXXX XXXX fraudulent accounts were opened under my credit information, XXXX of the accounts was opened with XXXX XXXX XXXX with a reporting address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX XXXX determined this account to be fraudulent and removed the information from my report. However Equifax keeps the address on file regardless of the number of letters, police reports, and phone calls. 

Inquiries, XXXX in total, that were removed by Equifax as of today XXXX XXXX, XXXX have been added back to my credit profile. Collection accounts that were removed by the company were also added back to the report.
I do n't know if this is a complaint as much as it is a question concerning what rights I have as a consumer. My son starts college in XXXX and I have a large unexpected tuition payment due. My options are to apply for a loan ( which I do n't know that I will qualify for ) or have him apply for a loan, which I would rather not do because I do n't want him to begin his life in debt like I did. I never bounced back. Hence, my present financial situation. 

I have a car loan with GM Financial and called them, in good faith, on today XXXX XXXX, 2016. I called to allow myself plenty of time to work out an arrangement with them to have my XXXX payment moved to the end of the loan. I explained my situation and how extending the XXXX payment would greatly help me. I explained that this was an unexpected payment and that knowing how much has to be paid will give me time to prepare before his next tuition payment is due. I have paid GM Financial for XXXX months, never missing a payment, always making my payments early. All that I ask of them is to extend XXXX payment on this XXXX occasion. The GM service rep. put me on hold and came back saying that they could make payment arrangements with me but, that they could not extend the payment at this time because it would n't be wise to add so much interest to my account ( apparently interest continues accruing in spite of the fact that I am requesting a payment extension ). I explained that I am willing to make the sacrifice of the interest considering that I am already paying a lot of interest on this vehicle so, $ XXXX more would n't make much of a difference. The rep said that they could make payment arrangements with me since there is so much time before the payment is due. I explained that if I had money to make payment arrangements then, that is what I would have requested. I know how much income I have and what I will be able to manage before the end of XXXX. Besides, I explained, payment arrangements would also incur the same interest fees being added to my loan. I asked to speak to a supervisor who explained that GM was not willing to make an extension " on this account '' at this time. Granted, I do have poor credit due to taking on this loan and helping out a friend who is waiting for social security XXXX payments. However, my record with GM is clean. I am paying $ XXXX always on time. At the end of this loan, I will have paid over {$45000.00} for a {$25000.00} car. I know that it sounds crazy but, unfortunately, that is the agreement which I signed at the time. 

My question is what are my rights as a consumer. If GM does payment extensions and my payment history with them is excellent, can they refuse an extension on my account? What are my options here?
I have had a recurrent issue with getting a resolution regarding the inquiries on my credit report with the Experian credit bureau. I have sent a notarized letter and have spoke with representatives on several occasions. There are hard inquiries on my credit report that I did not authorize and not aware of the company at all. The credit bureau has failed to properly investigate this issue and has sent me a generic letter stating that the inquiries are accurate but they have failed to send me proof of the accuracy. The inquiries that have been disputed and not resolved are the following :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , and   XXXX     XXXX . I appreciate CFPB looking into this matter further.     Best Regards,  XXXX   XXXX
In accordance with the NCAP ( National Consumer Assistance Plan ) which was implemented to comply with CFPB ( Consumer Financial Protection Bureau ) consent order ( In the Matter of : Equifax Inc. and XXXX XXXX XXXX XXXX ADMINISTRATIVE PROCEEDING File No. XXXX ) ; the minimum reporting requirements stipulate that data furnishers ( i.e., XXXX ) must report the following identifying information : Full name ( First Name, Middle Name or Middle Initial ( if available ), Last Name and Generation Code/ Suffix ), Address, Full Social Security Number, and Date of Birth ( mmddyyyy ) in association with a tax lien. If any of the above identifying information is missing in association with said tax lien it must be excluded from the consumers credit file. Equifax shall adhere to the new reporting standards outlined in the NCAP ( National Consumer Assistance Plan ) and remove tax lien case number XXXX from the consumers credit file effective immediately.
based on document received from chase mortgage servicing unit aka as XXXX mortgages in XXXX Ohio XXXX Ohio chase whistleblower employees have been sending me documents relating to violations of uscfpb regulations regarding mortgage loan transfers from XXXX chase to jp morgan chase bank as well as copies of forged documents for oh XXXX to use in a fraudulent foreclosure after manufacturing defaults by not applying payments. now they and district manager XXXX of XXXX wa XXXX XXXX chase bank district manager have discovered XXXX of dollars on these documents being reversed and illegal fraudulent transactions and in chase computer that are being laundered through my mortgage escrow account calling them mortgage misapplication reversals and then applying them to unapplied funds and elsewhere. now they discovered the charging of property preservation disbursements to my mortgage account which only takes place if the owner is not taking care of the property and or a foreclosure. neither of which is true in m case. this conduct is consistent with the occ sanctioning chase mortgage servicing management for failure to comply with the national mortgage settlements and is consistent with chase bank now being a XXXX by the u.s. dept of justice Attorney General XXXX XXXX. it is time for the uscfpb and occ to gets its examiners into chase and start auditing my mortgage loan numbers of which there are XXXX and my escorw accounts as in cash accounting and all mortgages in loss mitigation which is chase euphemism foreclosure mill run by XXXX XXXX s.v.p and XXXX XXXX ceo of chase mortgage banking. we need cash accounting of which there is none in chase mortgage servicing to stockholders or homeowners. these practices violate the consumer protection law federal mortgage escrow accounting act. I have been complaining about chase escrow dept for five years. chase employees have erased all escrow information on my chase mortgage website and have not issued a detailed escrow transaction statement since 2010. the online transaction listing is a fake since it does not have an y internal misapplication reversals on it. no display of unapplied payments and no display of property preservation disbursements. the whole mortgage is a fraud the escrow is a fraud and I have docs from chase that may show my mortgage servicing is just a money laundering operation to steal my escrow funds and mortgage payments.and then XXXX them to XXXX as the occ has charged chase and XXXX XXXX of doing
Bank of America has not complied with or conducted pre-foreclosure outreach requirements. 
Before recording the NOD, servicer must provide the borrower with a written statement outlining documents borrower may request per CC XXXX ( XXXX ) ( XXXX ) ( XXXX ), contact borrower by phone or in person to explore foreclosure alternatives and to offer a subsequent meeting, which must occur within 14 days of meeting request per CC XXXX ( XXXX ) ( XXXX ). If above contact is unsuccessful then servicer must send a first class letter, attempt telephone contact on 3 different days and times, and finally send a certified letter with return receipt requested, giving HUD counseling information per CC XXXX ( XXXX ). 
Bank of America never provided me with a document as indicated above. While XXXX sent a letter to me prior to the recording of the defective and deficient NOD recorded XXXX XXXX, XXXX, XXXX was not the substituted trustee at that time making any contact by XXXX moot as it predates the XXXX XXXX, XXXX Substitution of Trustee signed by Bank of America Assistant Vice President XXXX XXXX XXXX. XXXX had no right, as a matter of law, to initiate the foreclosure process prior to the recording of the Substitution of Trustee. Equally important, I had no knowledge that XXXX acted with authority or as beneficiary trustee prior to receipt of a XXXX XXXX XXXX Recorders Office certified recorded copy of the XXXX XXXX, XXXX Substitution of Trustee naming XXXX as the beneficiary trustee which I have not received to date. Who the XXXX is XXXX to me prior to being notified? For all I knew XXXX was XXXX of those scam debt collectors since Bank of America already decided to park and stall the MHA HAMP TPP process and had placed a Cease and Desist tag and code on the home loan mortgage account back in XXXX XXXX. 
According to Bank of America letter of XXXX XXXX, XXXX, Bank of America only attempted to contact me twice. This attempted contact was via telephone from a telephone line that gives no indication that the caller is Bank of America ( the caller ID is blocked ). If Bank of America wants to claim pre-foreclosure requirements have been met, then start with identifying yourself as Bank of America beforehand when you call. Otherwise, how is one to know the bank is attempting to make contact?
Equifax has a late payment reporting error on my credit report for {$7.00}! It is the only negative blemish on open accounts for me. Everytime I try to send them a correction, their system crashes. It just about looks intentional
I have received a loan from a XXXX XXXX in 2014 in the amount of {$23000.00}. I was only able to pay off one instalment of {$830.00}. The debt was sold to the collection agency showing the amount of {$25000.00}. This is in excess of {$2800.00} that I never borrowed. I received a letter from Resurgent Capital Service a few months ago. I responded that the amount they show I owe is incorrect. I sent them supporting documents. Today I received a second letter from them. Their letter states that I did not provide enough documentation to prove the right amount I owe. I will send them again my bank statements, but I would like to file a complaint about reporting my debt to the collection agency and showing on my credit report with an incorrectly high amount.