WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to say I called Each credit reporting agency spoke to their consumer relations department and asked about the student loans I have on my report 12 as a matter of fact 2 for each loan I have they all agreed that yes in fact each loan was reporting twice and that they would have wait on XXXX to tell them there is an and the accounts should be removed how is that possible given that XXXX was given a set of rules " Metro 2 '' Guide lines section 8 of that guide line for student loans says : " For Multiple Disbursements of the Same Loan Combine multiple disbursements into a single account.

Retain the original Consumer Account Number.

Retain the original Date Opened of the first disbursement.

Increase the Original Loan Amount, Current Balance, and Scheduled Monthly Payment Amount ( when in repayment ) to include totals for all disbursements '' Then even gives and example on how it should report just in case the company on the other side can not read I guess. 

So how is it that XXXX Trans Union And XXXX are not aware of the rules or is it they just dont care as to the harm they are causing according to the FRCA '' Asarule, itsillegaltoreportinformationthat youknoworbelieveisinaccurate.Youhave reasonablecausetobelievethatinformationis inaccurateifyouhaveknowledge, otherthan allegationsfromtheconsumer, thatwouldleada reasonablepersontodoubttheaccuracy oftheinformation.FCRASection623 ( a ) ( 1 ) ( A ) '' Are the Willfully Non Complaint UNDER THE FCRA and dont care that they are causing undue harm to myself and my family or are the just untrained and lazy?
I get this call on XX/XX/19 @ XXXX from Midwest Recoveries. They claim I owe a doctors debt {$680.00} from XXXX XXXX, what is stupid and ridiculus about this is the agent that actually called me mainly called to brag that Midwest Recoveries had already placed this debt on my credit report. 

Whats not fair about any of this : 1. I have dealt with this company before and told them that this debt is mine. I dont owe a bill with this company 2. Even if this debt where to be validated, what is not fair to myself is I have never been notified of this debt. The company " Midwest Recoveries '' proudly threw this debt on my credit report. They never gave a chance for it to be addressed just throw it on a consumers credit report.
I could n't say who the debt is for but they are trying to collect on a debt for a magazine that not only I never ordered but never really wanted to read in the first place. I have tried to contact them but it is impossible to ever reach a real person to tell them to stop mailing me! I Do n't read magazines period!
Experian ( a client of XXXX ) was hacked. Lacking the appropriate security measures, the hackers downloaded my address, social security number, drivers license, number and the like. The hackers have enough information to steal my identity. 

So what is Experian proposing to do? Offer 2 free years of THEIR credit/identiy monitoring service ( XXXX ). Really? I 'm supposed to trust the clowns that were just hacked with their identity and credit monitoring service? It makes more sense to offer an independent credit/identity monitoring service, such as XXXX.
In XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$480000.00}. I was promised a low interest rate and a low monthly payment, as advertised. On XXXX XXXX, XXXX, there was an assignment of mortgage filed with XXXX XXXX XXXX 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX XXXX XXXX, XXXX, XXXX started a foreclosure against me for the amount of XXXX, which is about {$91.00} from the original mortgage 3 years earlier but I already had paid over {$160000.00}. How is that possible? I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.
I cosigned a student loan thru Citizens bank for my daughter XXXX XXXX and 2 years ago she defaulted on the loan and it was sent to XXXX XXXX XXXX. My daughter has been paying to the debt collection agency but missed a payment inXX/XX/XXXXand she called XXXX on XX/XX/XXXX because she hadn't gotten a check from her work. Subsequently she called and left a message that they could resume debiting her account for the missed payment. I don't know what happened after that but I was told by Citizens that she missed the payment in XXXX and XXXX was not paid. On XX/XX/XXXX I went to check my checking account which is thru Citizens and XXXX had been taken out of my checking and XXXX? out of my savings on XX/XX/XXXX to settle one of the owed amounts. I called the bank thinking I had been hacked and that is when i found out about a closed account from XX/XX/XXXXand was given the number of the account and was told to go to the branch. I went and that is when I found out what it was about and that all of my money was gone. I never received a phone call or a letter about the missed payments. I am currently paying 3 of my daughter 's loans thru XXXX and have never missed a payment. My daughter has her own bank account but not thru Citizens and she had {$6000.00} in her savings but instead of going after her they decided without any communication to garnish my checking and savings. I am currently unemployed as my entire department was eliminated in XXXX and this presents as a financial burden for me. Subsequently, I received a letter ( attached ) dated XX/XX/XXXX on XX/XX/XXXX of her still outstanding balance on her other loan that XXXX has seen sent to a law agency. On the letter it distinctly says that " we have not been retained to file a law suit ''. They never sent a letter concerning the XXXX? and per Section 809 of the Fair Debt Collections Practice Act, the agency must give me 30 days written notice after which they can file a lawsuit and only after winning a judgement can they garnish my account.
I have a Bank of America ( BOA ) credit card. I enrolled in BOA 's " e-Bills Automatic/Reccuring payments '' which automatically " Delivers the payment on the due date. '' The most recent payment due date was XXXX XXXX, 2016. I received confirmation that " The payment of {$250.00} will be delivered by XXXX/XXXX/2016 with confirmation number [ ... ] ''. BOA then processed my payment on XXXX XXXX, 2016, stating " This payment was transmitted electronically to Bank of America Credit Card on XXXX/XXXX/2016. '' However, BOA did not actually withdraw funds from my checking account until XXXX XXXX, 2016. As a result, BOA charged me a Late Payment Fee of {$25.00}.
I keep getting negative collections on my XXXX report anytime I try to go finance a car. It seems like it is almost deliberate and most of the accounts are not verified. All information related to the companies were not available or identified and are old.
I AM BEING CHARGED FOR INSURANCE COVERAGE THAT I DO NOT OWE. MY POLICY WAS A PREPAID POLICY AND I CANCELED MY COVERAGE AT THE END OF THE TERM. YET XXXX IS BILLING ME FOR COVERAGE THAT I DID NOT HAVE NOR AGREED TO EXTEND. THEY HAVE SINCE SOLD THE DEBT TO A COLLECTION COMPANY ( CAINE & WIENER CO. ) THAT IS REPORTING IT AS UNPAID AND IS COMPROMISING MY CREDIT.
XXXX to present 2018 : Comenity bank has been harassing me daily. They use different phone numbers ( auto dialing ) and unknown numbers. I am to the point of having to change my number. They have been calling me multiple times a day almost getting me into car accidents because I spend a lot of time in my car. They have threatened to ruin my credit. They have left my personal information over my sibling 's voicemail regarding debt and threatening me on sibling 's voicemail. I called them and told them I was going to sue them because they released personal information about me and violated the banking privacy act. The woman on the phone told me that they " use different tactics to reach people '', I took this as them admitting they harass people and call people who are not involved and release private information. I want them held accountable for their actions. Based on research this is a common problem with Comenity Bank. They are violating banking policies and regulations. Giving out personal information to an unauthorized person is illegal. They said my sibling 's number was on file and I would NEVER put her number down as a back up number. I will be contacting the FTC as well. This financial institution should be fined. I am looking to file a lawsuit.
Hi My name is XXXX I have a pre-paid debit card with Netspend.and I had been issued a refund from a cheer uniform company due to the fact that they had sent me the wrong size kit so my cheerleader 's uniforms were mad wrong. after several talks with the merchant they found out that they did send me the wrong size kit. so they decided to issue me half for the tops. well the money was sent to my Netspend card. which I had no Idea that they would put a hold on the funds and not issue to me. after sending serveral documents, after speaking with the Merchant they still refuse to send or release the funds, They did not warn me or tell me that they could do or that it was their policy. the amount that they are holding is XXXX, XXXX They are saying the only way that they would release the funds or mail the check back to the merchant is that they would have to have a XXXX letter. Well the XXXX letter was e-mail now the fraud department at netspend said that they have to have the physical letter. I have called the XXXX, I have filed with the XXXX
I have previously disputed my student loan due to the inaccuracy of debt amount being reported and the numerous debts too. I want validation and verification as to the amount in dispute and validation for the numerous multiple Navient loans which is being reported. I have not taken out this many loans ever. Please delete these account immediately as it is in accurate in amount along with the these accounts are being reported multiple times on all three of my credit reported. If for some reason the account is verified and validated, please send me the name of the person who provided the information and the method in which it was investigated. In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] "
Trident Asset Management did n't respond to my direct dispute. My name is XXXX XXXX and Trident Management is knowingly reporting false information to the credit reporting bureaus. They bought an account from said " XXXX Stores '' and have continued to falsely report it as an open, revolving account with a past due balance of {$100.00}. They are not allowed to report a past due balance. I do not recognized this debt either and is reflecting on my credit reports for sometime now. The account number is XXXX. This is a collection account. I have disputed this account as a CRA DISPUTE. This account is further negatively affecting my credit report and score due to this company 's false reporting. I am demanding full deletion of this account.
Have been calling me numerous times on both and cell wo n't leave a message at all I have reached out to them via email telling them to send me documents pertaining to anything they said call us I said no I do n't trust no one to many scams even gave the address of my house not sure if it for me or someone else at this point call  4-5 tim es a day both cell and house
Somehow its showing that I have an debt with a circuit court, but when I went down there to the court they stated that they dont know why these judgements are showing on my credit report. This judgement does not belong to me. Along with numerous inquiries and open accounts without my consent such as, XXXX and XXXX.
This complaint is in reference to my previous CFPB complaint # XXXX in regards to the CFPB Consent Order against Navy Federal Credit Union. At the time of the complaint, NFCU responded : " Our review of this matter is in process, and we will respond as soon as possible. The following references the complaint we received on XXXX XXXX 2016 from the Consumer Financial Protection Bureau ( CFPB ) on behalf of Navy Federal member XXXX XXXX. The complaint was assigned a case number of XXXX. Our member has asked us for information related to our recent agreement with the CFPB. Pursuant to the terms of the agreement, the CFPB will approve how we will identify and make payments to members who are eligible for compensation. If XXXX XXXX is eligible, he will receive prompt notification at a later date. We will consider all facts and circumstances regarding XXXX XXXX 's account in the assessment of compensation, if any. Navy Federal has thoroughly reviewed our member 's concerns. No further correspondence will be sent regarding his Home Equity Loan nor will calls be made concerning the status of the account. '' XXXX  Responded : " You should receive an update from the company within the next  15 days, and a final response within 60 days. '' It has now been one year from the date of my complaint. Not only did NFCU never responded to me in 60 days, they never responded to me ever. 

I would like an update to my claim pursuant to the Consent Order, as I submitted ample documentary evidence of NFCU 's predatory and illegal debt collection actions against me.
Motorcycle was purchased in XX/XX/XXXX with a credit card. Payments were made for about a year. Things went bad and I lost everything I owned. Motorcycle was never repossessed. I moved away from North Carolina in XX/XX/XXXX. A judgment was filed and I was not aware of this as my mother signed the paperwork. I did not return to North Carolina until XX/XX/XXXX and then I was a XXXX XXXX until XX/XX/XXXX, so I knew nothing. On XX/XX/XXXX, paperwork was served and my mother signed again without my knowledge. Fast forward to now, I am clean, working and wanting to buy a house. When the mortgage company ( XXXX XXXX ) pulled a fraud report, they found I had a judgment against me. I contacted JH Portfolio Debt Equities ( understanding they purchased this debt from XXXX XXXX ) and for 2 months JH Portfolio would not give me ANY information. They would not even tell me who to contact. A friend told me I should contact the attorney who is XXXX XXXX XXXX, of XXXX XXXX   XXXX, XXXX, who was handling this judgment. I made an offer of {$2500.00} and it took three weeks for the attorney to get back in touch with me. I was told they would take {$25000.00}. I offered them {$3000.00} four weeks ago and I still have heard nothing from XXXX XXXX. I was told NOT to contact them, they would contact me. I am unable to purchase a home until this judgment is handled. I don't know what else to do to get this resolved.
I have been a Bank of America customer for XXXX plus years. I am beyond confused and frustrated with the way my account is handled. XXXX is not consistent and therefore I end up paying the price. In XX/XX/XXXX I paid {$730.00} in overdraft fees. I ca n't say with certainty that all of those were justified fees. Customer Service reps ca n't explain why policy seems to fluctuate, and often do n't communicate in the tone of their voice that they really care. I utilize this account primarily for the XXXX Pay service, and automatic payroll deposit. I deposit a check weekly ( Fridays ) into this account from my XXXX account to cover all scheduled bill pay recipients. I previously made the deposits on Thursday nights after XXXX, to avoid the BofA account going into negative status, however the checks would post to BofA that same night, triggering a NSF fee from XXXX. My other payroll does n't go into XXXX until Friday morning around XXXX. So I now make the mobile deposits on Fridays to avoid fees from XXXX. 

Last Friday XX/XX/XXXX I made a deposit of {$1700.00} at XXXX pm. That checked cleared XXXX the same day. BofA put a freeze/hold on that deposit and several of my bill pays were flagged as NSF, including my mortgage and not paid. Again, the check deposited was from the same account that has been used weekly for several years. I went thru my email notifications to see what time the other Friday deposits were made and here is what I found. Please note none of these deposits were placed on a freeze/hold and none of my bill pays were flagged as NSF, all were processed. 
XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$1500.00} 10:20 pm Please help me understand what is happening. I just got off the phone with a BofA XXXX and was told the deposit on Friday could not be verified by XXXX, so a hold was placed. That check cleared our XXXX account that same afternoon. 
Any help you can provide would be appreciated. 
Thank You,
This new submission is about the complaint XXXX made in 2014 against Sallie Mae, notifying that I want to be part to the suing made to this institution, who gave me the only solution of a forbearance of {$100.00} for one month when I 'm unemployed. Right now, I 'm unemployed again and with medical expenses, which I wo n't be able to continue paying through their collection agency, XXXX XXXX. A letter was sent yesterday. 

I also want to notify that I have called few times to be signed off of a loan I co-signed. They said I was able to be out of it after a year of a full payment by the borrower. It 's been two years, and I was told, that wo n't be happening. Attached the loan I co-signed. 

I also remember, not giving any other option when I stated I was going back to university.
XXXX XXXX XXXX sold our mortgage to Residential Credit Solutions based in XXXX XXXX, Texas, after a 5 year fight in court under Bankruptcy. A modification was done and accepted. The terms and payment schedule was set and agreed to by all. RCS, is coming back now and charging us for what they called un-applied funds which are 2 months of regular payments. I 've submitted documentation showing all payments have been done per the terms. They are threatening us with acceleration to foreclose our mortgage. And they 're not accepting our regular payment. I think they 're practicing unfair business practices since we 're XXXX. We want to work with RCS and resolve this issue and for them to stop the threatening letters. By not accepting our regular payment, I believe they 're forcing us to be even more delinquent by adding more penalties and reporting us being more than 60 days late. Which in my opinion is totally false! ... We need desperate help!
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
At this time The debt collection agency continues to report invalidated information to the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws.
I unknowingly wrote a bad {$40.00}. check for groceries at a very prosperous business ( and still is ) 18 years ago. The first collection agency had the case from XXXX to XXXX. The second collection agency has the case currently since XXXX. I live in Kansas. They garnished my check in XXXX, but I had to be at home for personal reason and had to quit. First, they contacted me at my place of employment, which they deny. I answered the phone at work, asked my name. I asked who they were, and they hung up on me. It was a number from their same city of their business. Then I get notice that I 'm getting garnished not even a week and a half later. I did not receive notice of right to dispute this amount. No time of hearing. All I received was notice that they went to court and got approved by the judge to garnish. I called them, and they informed me that they have renewed the case every time they were supposed to keep it from being time-barred. XXXX and XXXX They did not keep within the time allotted to renew. It went dormant. XXXX Kansas law allows a recovery fee charge, court costs, up to 3 times the original amount of the check, but it can not exceed XXXX. They are taking out the maximum amount from my check every week. 25 %. The amount they are telling me I have to pay is {$1000.00}, all from a XXXX dollar check. I believe the amount they are making me pay, and leading me to believe I cant dispute because " the judge granted them that amount '' is outrageous, and they already have taken out atleast XXXX from me. I have XXXX children to care for. This is insane.
Account is reinserted after being previously deleted. The account remarks even show previously included in Bankruptcy Chapter XXXX and the account shows a {$0.00} balance.
Equifax , XXXX and XXXX are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law.
my last payment w as   XXXX    2016. I saw  a ad vertisement for help in paying your payday loan. I called them support advocacy  XXXX . They took over my  XXXX  payday loans and dicuss the matter to them. I paid  XXXX  every month for awhile. They called and told me I was done paying them.. I received a email last saturday that if I did not contact them I would have  XXXX  charges against me an d 1 was fraud 2 theft and 3 not payi ng back. They said they would ruin my record and the FBI would be contacting me.. I was told that not to worry because they took over my accounts and if they sue me they would be there for me. Can they really do this? Just want to know my rights. I wos told they were going to have warrant for my arrest they would like my job know what a bad person I am that they will fiel  XXXX  charges against me. That they will block my S.s number. They would file a law suit against me..I was unable to down load the e-mails but this company has the  2 e- mails I had received and I sent it to them.. I want you to contact them they are the ones in charge of my account. I want to put them involved but I do n't have anyone special there. They all help me out. thank you
We missed XXXX payment on our lease and now show XXXX late payments. Loan is paid off. I have asked Nissian to remove the lates since I have purchased and leased their cars since the XXXX years. They are not friendly and raise their voice when I call. I will never buy another product from them!!!
The company says they have contacted me and that I stated that I am a single mother and couldn't pay my debt but its not true I am married and have never received a call or a document from them.
this account was never delinquent this's my school loan please removed all late from this account please DEPT OF ED/XXXX  Account Number XXXX Account Type Installment Loan Terms 38 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 120 days Status Updated XX/XX/XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$56.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, PA  XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$1700.00}  Comments - Payment History XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX