WillisBack/dataset-financial-user-claim huggingface dataset:
I started a new loan with XXXX XXXX on XXXX XXXX. The agreed terms of the loan were $ XXXX for a 10 year period. 
XXXX XXXX XXXX XXXX XXXX increased my monthly payment to {$2000.00} without prior notice or explanation. They also adjusted my due date without my consent. 

Following is my email correspondence with them : " XXXX XXXX XXXX/XXXX/XXXX : I got a notification that the auto payment was increased to {$2000.00} from previous scheduled payment of {$2000.00}. Why was this changed? The interest rate has stayed the same at 4.25 %? An explanation would be helpful Thanks XXXX XXXX MOHELA 's Response : Hello, Thank you for contacting MOHELA. We apologize for any confusion. Due to the recent due date change for your loans ( s ) the monthly payment got adjusted to accommodate for any interest accrued. '' The change in due date was NOT authorized by me. I have asked them to reset payments to the original loan term of {$2000.00} for a 10 year fixed loan at 4.25 % Any help would be appreciated. 

Thank You XXXX XXXX XXXX XXXX XXXX
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
My Loan Service Company is Navient and I feel that I 've been mistreated over the last 2 Years.
Portfolio Recovery Services calling me multiple times a day from atleast 10 different phone numbers. I got my free credit reports from all XXXX agencies. I have nothing in collection with them. I have some old medical bills and they all show as paid. And looking at my XXXX credit report Portfolio Recovery services is looking running my credit report often, sometimes several days in a row, sometimes 2 weeks apart since 2015. I would like them to stop calling me and accessing my credit record.
on XX/XX/XXXX I looked on my XXXX report and saw a collection for midwest recovery system llc so I called them to find out what this auto loan was about they told me it was a dept they are trying to collect for XXXX XXXX XXXX  I never signed a deal nor a contract with midwest recovery system llc so they should not be contacting me or going after my credit in no way cause I have no legal binding nor obligation to this company in written or verbal agreement form
IM A VICTIM OF ID THEFT, THERE ARE SEVERAL ITEMS ON MY REPORTS THAT IS NOT MINE OR I HAVE ANY KNOWLEDGE OF, I HAVE MY POLICE REPORT SENT IN ALONG WITH MY COMPLIANT FILE, PLEASE REMOVE IT ASAP ... ITS AFFECTING MY CREDIT. I CAN BE REACH AT XXXX ( CELL ) I CAN BE REACH AT ANYTIME ..POLICE REPORT NUMBER # XXXX XXXX ALSO SENT HARD CARD OF POLICE REPORT TO CREDIT COMPANY
Dear XXXX, It has come to my attention that payday loans are prohibited in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. To date, I have received {$250.00}. have paid {$360.00}. The principal balance has been paid in full At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked
I.C. System Inc. ( bda ) XXXX, XXXX XXXX XXXX is in Violation of 15 U.S. C. 1692-1692P On XX/XX/2018 ( I ) XXXX XXXX received a call at work from a Mr. XXXX XXXX ; in violation of 15 U.S.C 1692 C ( a ) ( 3 ). I was unable to talk at the time, so i called back and spoke to a young lady  about why was i called. 

I was then transferred to a Mr. XXXX XXXX who was both abusive and oppressive with me, in violation of 15 U.S.C 1692d.

Mr. XXXX also used obscene language with me, in violation of 15 U.S.C. 1692d ( 2 ) and i asked him to end the call and he didn't. I ask Mr. XXXX to remove my phone number and to state that i would not receive any further call and he would not agree to do what was asked.
I was notified through XXXX on XXXX XXXX 2018 that all my accounts with XXXX XXXX had been closed. 
( XXXX XXXX card ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX with a Balance of {$220.00} when closed and now shows a High Balance of {$310.00} ). In which all accounts had been open in the month of XXXX which was reported to my credit report. I understand thatvthey have a right to close any account without such notice to the consumer however as a consumer to have such a negitive impact to your account within 1 month does not reflect well. This action on the part of the creditor will remaun on my report and it will not reflect in a positive way as the account was open and then immediately closed. I wish to have them remove all accounts from my crdit report and all inquiries that they have place on there. I understand that i may not be the most credit worthy however my past mistakes are from not understanding the importance of credit. However i wish to not have 6 accounts closed adding to the damage that is alredy impacting me that I am trying now to correct. I feel as though my privacy has been invaded by them rechecking my credit report therefore reverting too them closing all my accounts. It would have been better to have denied me all together then to approve me and close accounts that are in good standings and had never been used. 

When I initially contacted XXXX concerning this issue the young lady informed me that all accounts had been closed seemingly due to alot of recent credit inquiries and the only recommendation she could offer would be to write a letter and ask for a review to see if any of the accounts could be reopened. She offered to give me the address in which to write an appeal letter, but see as it was already decided i opted out and Thanked the young lady for her help. ( I was informed that all accounts had been closed as of XXXX XXXX and I was informed today that a letter explaing why they came to the decision was just mailed on XXXX XXXX. 

I thank you for your time and look forward to hearing from you concerning this matter. 

Best regards. 

XXXX XXXX XXXX
on XX/XX/XXXX i was contacted about a debt i wasnt aware i asked him to please verify the debt and he refused to verify it and he said it was my responsibility to prove it wasnt my debt and he was going to start reporting it to my credit
On  XXXX  I received an alert from my credit monitoring service that an account had been added to my   XXXX    and   XXXX   report. On  XXXX  I received another alert that the account had been added to my  XXXX  report. I have no knowledge of this debt. This company NEVER sent out a dunning letter for me to respond to and just put this debt on my credit report which is against the law. Filed a complaint and the response from the company was they did not have an account for me.
Hi, I received a collection letter from a company called Kinum, and the collection letter does not give an explanation or date of service. The amount owed does not add up, and the collection letter looks like fraud.
Rush card has not been posting my deposits the past XXXX pay periods, so this has been going on for a month. I received my last deposit 2 days late. I live paycheck to paycheck, and have been forced to borrow money to be able to get back and forth to work. I am getting late fees due to not making payments as planned. I plan my bills with my pay dates. Something must be done, I am reading all over the internet that many people are having the same problems. I ca n't access my online banking, nor can I get thru to the bank. I have held over XXXX hours to be disconnected. Very frustrated and it seems they are not fixing the problems.
I am contacting your company because Trans Union and  XXXX Credit bureaus are adding fraudulent information to my credit report I have had an ongoing problem with these two companies I made them aware that there were things on my credit report specifically that are fraud and that I want removed at once off my credit reports. The fraudulent Delinquent accounts are as follows {$320.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Opened XX/XX/2015 +  {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  these are FRAUD AND DO NOT BELONG TO ME AND I WANT THEM REMOVED ASAP BECAUSE THEY DO NOT BELONG TO ME. I have contacted Both Trans Union and XXXX  about this and nothing has been done yet. I have sent in my police reports and everything this company is fraudulently reporting inaccurate information on my credit reports and I want it removed at once.
I have been filing complaints since 2011!!!! 

Violation of Fair Debt Collection practices. Claiming to be an attorney office, no website or contact information provided. Yelling, screaming, and calling names. Refusing to communicate via writing as requested. Contacting family members and friends trying to collect a FALSE debt. Threatening police will come to serve papers. This company is a fraud. They have violated ALL of the following Fair Debt Collection Practices listed below : Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not : use threats of violence or harm ; use obscene or profane language ; or repeatedly use the phone to annoy someone. 

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not : falsely claim that they are attorneys or government representatives ; falsely claim that you have committed a crime ; falsely represent that they operate or work for a credit reporting company ; misrepresent the amount you owe ; indicate that papers they send you are legal forms if they are n't ; or indicate that papers they send to you are n't legal forms if they are. 

Debt collectors also are prohibited from saying that : you will be arrested if you do n't pay your debt ; they 'll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so ; or legal action will be taken against you, if doing so would be illegal or if they do n't intend to take the action. 

Debt collectors may not : send you anything that looks like an official document from a court or government agency if it is n't ; or use a false company name.
XX/XX/XXXX - opened account XX/XX/XXXX - received email confirming digital banking enrollment XX/XX/XXXX - received email ( included ) confirming promotion enrollment XX/XX/XXXX - received phone call from Suntrust to review account and verbally confirmed eligibility for promotion on phone with banker XX/XX/XXXX - received voicemail from XXXX XXXX ( XXXX ) as part of a three week follow-up XX/XX/XXXX - escalated issue to XXXX at SunTrust about missing promotion XX/XX/XXXX - XXXX followed up stating I was ineligible for promotion due to having opened account on phone XX/XX/XXXX - followed up with XXXX with information to contrary showing I didn't have any outgoing phone calls to SunTrust, instead had incoming call from SunTrust XX/XX/XXXX - followed up with XXXX, he was escalating internally XX/XX/XXXX - followed up with XXXX, no reponse XX/XX/XXXX - followed up with XXXX ; received response later in day that not eligible due to state of residence XX/XX/XXXX - sent letter to Office of President at SunTrust ; never received a response SunTrust has deceived me with promotional terms to open an account, deposit funds for a duration and perform certain transactions, then never fulfilled promotion and then change terms to avoid payment, as is evidence by the initial denial for bogus reason, then denying with a new reason. The included email proves I was eligible, as they had my information for 3 days before emailing me on XX/XX/XXXX for confirmation of promotion. If ineligible, then should have been notified then, not misled for SunTrust 's benefit. Suntrust 's failure to state ineligibility based upon state of residence while confirming enrollment is implicit acknowledgement of eligibility based upon all initial terms of promotion, except transactions which would have to be performed thereafter, and were all performed as required.
The modification makes the amount due more than the value of my home. If I died ( I 'm XXXX ), and the home was sold tomorrow my estate would be liable for the balance on the loan ( XXXX ) and the balloon payment of XXXX, XXXX. At the time I fell behind I had about 25,000 in equity principal balance was around 57,000, in the new modification, I would be underwater.
i do n't know the actual dates of the reposition on my credit but im wanting to get that removed since ive never had a car of my own at the time it was established, i know that it was before i was XXXX and i found out about it after i tried to apply for a credit card, i got a letter saying i had a whole bunch of accounts and credit cards. my fathers stuff is on my account and i would want to get it removed since we have the same name and its effecting my credit.
I have sent in a letter to have Account # XXXX VALIDATE on my profile. It has been over 30 days and Equifax is stating their doing an reinvestigation. Please correct or remove this information off my profile as it effects my ability to obtain correct. Also, please address the other accounts listed on the letter as well. It 's has been over 30 days for all accounts and other information listed on this letter.
In XX/XX/XXXXas soon as I saw mail showing I was behind my payment to them I called to let the credit card company know that I had to close my bank account and re open another bank account due to some hacking on the account. My payments were set on automated payment deduction that always comes out of this bank account and I needed to reset up the same thing with new bank account. I thought the payment for that month had already made it through and it did not go through as it said it did on line on there website and that is why I missed getting payment in on time. I was only a day or so past due when I called them to explain why the payment was not received and to give them new information on my new bank account and tell them the reason I was late was due to not getting my new bank account information over to them before my payment was to come out. After I told them, they said that as of this day I called in my account was technically past due. The credit card company said they would not show me having a late payment account since I called to let them know and redirect my schedule payment to the new account. Now my credit files say the dispute has been taken care of, but it is still on my credit files saying I was late. I need to have this removed from my files showing I have never been late. I am buying a house and this is damaging my ability to do so. I would have never been late if it had not been for my automatic payment not going through because of the change in accounts. I was told they would not show me late. Also the credit card does not show the years I have had it so my credit looks like I have only had credit for just over a year and it's been almost 3 years. This is what is shown on the Credit bureau 's and it should not show late. Overview You're currently using 98 % of your account 's limit. Balance {$880.00} Credit limit {$900.00} Minimum monthly payment {$45.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) This is not shown on the credit bureau 's facts for scoring. Payment History Youve made 96 % of payments for this account on time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status 30-59 Days Late Account Details Account status Open Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Worst payment status 30-59 Days Late Times 30/60/90 days late 1/0/0
1. I was in request of my monthly statement for the stated amount due of {$910.00}, made it known that I was going to make a payment today to bring my account to date. I did have reservation in making any other payments until I saw a detailed accounting of my late fees and additional charges, as well as understood why the balance on my account I was told that I did not get a monthly statement and they were not required to give me one. 
2. I was also in request of my agreement that specifically stated that I was not entitled to an accounting for my vehicle payments, as well as where in the agreement that I signed, stated that I was required to pay a daily late fee of {$7.00} for each day that my account was late. I was informed that I was a high risk loan or simple interest loan and that the regular late fees, {$15.00} Credit Card transaction fees, {$9.00} XXXX XXXX fees, Monthly late fees as well as a XXXX % interest rate had only reduced my account principle by {$2000.00}. 
3. I was informed that I would not receive anything regarding statement of payment, account balance, ( nor were they responsible to do so ) copy of agreement or any other information that would help me reconcile my account until I had paid the balance due. 
4. Also, I made it very clear that no one was to harass me at work again with either phone calls or other means.
It is time for my daily complaint Equifax , we should really try to get to know each other, whom ever reads my complaints. Let me know in your reply, we might be friends once Equifax stops breaking the law and fixes my credit report. Anyway, as usual, XXXX XXXX XXXX has said they have reported nothing to Equifax and I even sent you proof that in XXXX, my wife had a XXXX XXXX XXXX account changed to her married name so how can she close XXXX in XXXX in her maiden name? XXXX XXXX XXXX debt is not mine but either way, the debt was discharged in a settlement that I have sent Equifax , and lastly I have never had a XXXX account and they have also said that they have reported nothing to Equifax. These conversations happened on XXXX XXXX, why does n't the CFPB not ask for the recordings so they can catch Equifax lying?
Hello, I am contacting your agency to get help removing inquires and accounts that's on my credit report. I was a victim of identity theft. I have a police report and other documentations to prove it. I even have proof that my information is on the Dark Web. XXXX XXXX and Transunion.
It was just reported ( XXXX XXXX 2017 ) that Equifax, one of the 3 main credit reporting bureaus, was hacked and breached, beginning in XX/XX/XXXX, and millions of Equifax users, like myself, may have had very sensitive personal information stolen. I am outraged at the delay in reporting the breach to consumers, which, according to security experts, could have been prevented by creating multiple layers of security that Equifax did not install. Moreover, it was additionally reported that several high ranking Equifax executives sold millions of dollars of Equifax shares before the breach was made public. These people should be prosecuted, if possible, but at the very least they should be fined an amount that exceeds any profit made on the sale of their shares. 

Equifax created a webpage for consumers that supposedly would allow them to check if they had their data compromised. When I attempted to go to this page, my XXXX security software issued a warning that this site was a high risk. Im not sure what steps Ill take next, but I want to complain in the strongest possible terms about the incompetent and indifferent actions Equifax took and is taking in this matter.
I set up a platinum card and a balance transfer of approximately XXXX. I set up automatic payments through hill pay and my bill was never probably debited from my checking account. I tried calling and gave up after thirty minutes on hold.
I not to long ago checked my credit reports. All three reports showed there were several missed payments. This is incorrect and inaccurate. My Capital One Card has never been paid late. I have tried to get this issue resolved but have not been able to get any assistance from the representatives. No one has been able to explain to me how errors of this magnitude were able to placed on my reports. It seems they are not willing to help in any way. This issue has been very stressful and is causing me to not be able to get new credit. Not only that, but also preventing me from being able to get approved for a higher credit limit. I have been stagnated with a {$300.00} credit limit even though I have made all of my payments on time. Yet I receive several offers from Capital One for a Auto Loan of upwards of {$5000.00}. This is an error on the part of Capital One or the Credit Reporting Bureaus. I would like this issue to be resolved and deleted from my reports. So that I can continue on with my life.
We are disputing Bank of America 's response to our inquiry via the Consumer Financial Protection Bureau under case # XXXX dated XXXX/XXXX/XXXX. The bank 's response of XXXX XXXX XXXX is not providing an explanation as to why the property was not included in the Department of Justice settlement with Bank of America. In the very least, the criteria for qualification should be explained as to rule out the possibility of an error. As previously stated, all other properties owned by us at the time qualified for the settlement. The representative handling the case advised that the bank would proceed to foreclose on the property unless we pay the outstanding amount. It was our understanding that the bank was not allow to collect from us as the property was surrendered under chapter XXXX bankruptcy in XXXX.
BARCLAYS BANK DELAWARE reporting to my credit file an account which is not mine.
I am continuing, for my rights for a debt that I do not owe where my income tax, veteran check and pension check is be garnished, my bank account is frozen, I ca n't pay my bills.i still have this company in dispute, they never validated this bill I 've ask them for XXXX yrs, they never did it yet they never call me not once, to prove this bill is mine even though i was defaulted for not going to court. For a bill they will prove I owe.thank you.
XX/XX/XXXX XXXX - Invoice paid and should have never been reported to collection or the credit bureaus. Account # XXXX in the amount of {$580.00} XX/XX/XXXX - Quality Asset - medical invoice not mine and should not be reported to the credit bureaus. Account # XXXX in the amount of {$140.00} XX/XX/XXXX- Quality Asset Recovery- invoice doesn't belong to me and should not be reported to the credit companies. Account # XXXX in the amount of {$100.00} XX/XX/XXXX- Quality Asset Recovery- invoice not mine and should not be reported to me. 
account # XXXX in the amount of {$100.00}
I have submitted a dispute and the issue was resolved then later placed back on my credit report incorrectly. They also are reporting old debts that are past the 7 year limitation. That have been purchased by a collection agency. But original dates have been changed making it look like current debt. Equifax has done this multiple times cause my credit score to suffer
There is an account listed in collections with XXXX for {$130.00} that has no company name or contact information listed. They list it with account number XXXX. Date opened XXXX/XXXX/2016, last updated XXXX/XXXX/2016. I have no idea what this is and who is responsible for placing this on my credit report. In comments it states " Medical ''.