WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation. 
The information in this ID Theft Report is Clearly LEGIBLE. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification. 
I have NEVER had a student loan for ANY School. I have Repeatedly Contacted Department of EDU. And NAVIENT concerning these accounts THEY ARE NOT MINE. 
My wife Does have student loans I DO NOT.
I had cancelled my Discover card on XXXX XXXX, 2016 and not only was the account closed, but a refund was issued. However, every month since then I 've received bills for a {$54.00} charge. I wrote back on XX/XX/2016 and asked to have an accounting of what the charge represents. A reply on XX/XX/2016 again stated that my account was closed and nothing owed. 
But, the invoices keep coming and now no one at Discover will help - the amount is small but I 'm XXXX years old and do n't need an unblemished credit record stained,
Equifax failed to verify disputed items within 30 days. This is the second time this has happened. I certified mailed them over 60 days ago and still no response to my disputes.
Cash withdrawal was taken using my credit card number issued by XXXX. At the hour of withdrawal Philliipino Agent of of XXXX call me at my home number and asked if I had made a withdrawal 35 minutes ago, when I stated NO I HAD NOT MADE ANY!!! 
The agent said thank you, we had caught a fraudulent transaction, do not worry we cover you 100 %. I had talked to the reps of XXXX 4 times already about the charge, two times blocked the card, and issued NEW CREDIT CARD!!! However, the {$400.00} and the {$20.00} cash withdrawal fees ARE STILL ON MY CREDIT CARD TO COLLECT!!! 

The use of incompetent, hard-English speaking phillipinoes providing a nightmare type of services and the US oversite does not correct the massive problems! 
I ask that XXXX would receive a strong denunciation of their CREDIT CARD OPERRATION, and correct the instant problem in a timely manner!!!
I am a victim of the Equifax data breach. I now have 12 recent hard credit inquiries on my report. I have written, called and filed complaints. Today, I called and was able to get my credit report locked. Now I need these inquiries removed.
I just submitted XXXX and forgot to include this additional info and the system wo n't allow me to update the original complaint. On XX/XX/XXXX at XXXX XXXX CST I spoke with XXXX XXXX and on XX/XX/XXXX at XXXX XXXX CST I spoke with XXXX XXXX, both with SPS. I had questions about my account transfer and payments and on both occasions I brought up the question if I was going to be okay with that escrow amount remaining at the end of the loan. Both of them notified me that I would and that I would simply see that amount each month on my statement, but that I only needed to pay the normal monthly payment. These are two agents now with SPS that told me everything would remain the same.
paid tax on time, Bank of America repaid the tax with a late fee to XXXX. The bank opened escrow and funded it from the mortgage payments. I did not have escrow. I pay tax and insurance my self, I am calling the bank since XXXX to resolve this problem, as of XXXX The said problem is not solved. All XXXX credit bureaus are showing I am XXXX days late it also shows the increased payment of {$860.00} not {$510.00}. To add insult to injury the bank told me I must write and request they remove the mistake from my account. I wrote the letter to an address I was given since the end of XXXX.
XXXX XXXX XXXX XXXX incorrectly has listed 7-8 debts per credit bureau. Despite my certified letter to them dated X/17/2017, they have failed to validate the many debts and keep incorrectly reporting them to the three credit union. Their lack of response is greatly effecting my ability to get a HELOC loan of which I am in need.
LTD Financial ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ) keeps calling my UNLISTED home line that I 've only had since XXXX/2017 ( 12 whole days ) without leaving a voicemail in regards to what debt they think I owe. All of my accounts are current. This has happened to me before with other debt collection agencies since I became a victim of identity theft years ago. I refuse to contact them to give up even more personal information that they might use against me.
On XXXX XXXX, 2016, I applied for a loan of {$1000.00} from bigpictureloans.com. I was informed that there would be a " finance charge '' of {$350.00} and that would be worked into my fixed payments. I agreed to this and accepted the terms of the loan as i was somewhat desperate. I was not made aware of the interest rate, nor that the first XXXX installments of the loan ( {$350.00} each ) were solely " finance charges, '' until after the terms were accepted. It was not until I logged into the account, after making the first payment on XXXX XXXX, 2016, that I was able to see the truth in lending disclosure. This states that my interest rate is indeed 1,073.2674 % APR and that the finance charge is {$8900.00} this makes the total amount i would be paying back {$9900.00}.
AES -XXXX. After 5 yrs of getting a steady paycheck after graduation I became XXXX. I talked to AES in regards to the program they have called " Long Term Payment Modification '' submitted all the application around XX/XX/XXXX and we went back and forth sending other information they needed, I submitted copies of my tax returns to justify how my income decreased and also submitted the consignor release form. I kept calling them weekly to confirm what information they exactly needed, the last time I talked to them they told me the only document I needed to resend was my XX/XX/XXXX tax returns and within 10 business days I would know if my application was approved. XX/XX/XXXX, I get an email saying my application has expired and I have to submit everything again. I look over the application documents there is no deadline, I am not sure how they decided my application out of nowhere expired? I need help, another of the clauses says the loans have to be current and with no late payments for the application to be accepted I cant keep up with the payments unfortunately and will be in default soon.
Bank tells me my CD was redeemed in 2001, but refuses to give me any other info such as " by who '', " where '', " exact date ''. I have never redeemed this CD. This comes after the bank telling me they couldn't find any info on my account, even after, what they call, an extensive search. After my first complaint, they suddenly found info on it, but only stated it was redeemed in 2001. Any and all info on MY account should be turned over to me. I am the account holder. I keep getting told to visit local branch for more info, but the local branch keeps telling me they have no more info to give.
I sent money through money gram XXXX to XXXX XXXXon XX/XX/2015. I already attempted to reach out to the credit card company XXXX to get a refund and I have n't had any luck. The XXXX was intended for another company and now my this is affecting my credit.
Experian is currently reporting inaccuracies in my credit report. There are XXXX student loan accounts that were never late and they continue to add more that all have the same account number but are reporting incorrectly. According to FTC opinion on the FCRA Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. Also under the Higher Education Act ( HEA ) Updating and correcting previously reported information includes removing default history after a borrower successfully rehabilitates, as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a retroactive deferment and forbearance that ultimately converted the original period of delinquency into a period when no payment was due. I have letter from the original furnisher showing that my account was indeed in forbearance from XXXX which is when these late are showing incorrectly on my credit report. Instead of fixing these errors Experian has taken more than the allotted time and has added closed accounts with the same account number with no clear reporting of these accounts. Also I the other inaccuracies that are not being properly investigated and shown proof under FCRA laws that show me the validity of these accounts that I have asked for many times now I the investigation is taking longer than the timeframe given by law. Experian continues to report inaccurate personal information that when I call they assure me that it has deleted but when I get the updated report it continues to show up when they tell me it has been deleted. If Experian continues to disregard my dispute and FCRA, FTC and HEA laws set in place then I will be forced to file suit after exhausting all options to rectify this issue. They are bound by these laws set in place so follow the law. This is also through my own due diligence so I do n't need to get a response that questions my intelligence to writing this as this is my own verbiage any stall tactics will be recorded and dully noted.
It has been a week since most customers have been able to access their accounts online. PLEASE PLEASE tak a look at TD Bank 's XXXX feed, or XXXX XXXX XXXX. They refuse to even mention it on their website, continue calling it an intermittent outage when in fact it has been down for a week since they rolled out their new website. Phone calls are placed on hold for over an hour before you have to hang up. They tell you to Direct message them and then do not respond. How can anyone trust the security of this bank when they can not give us access. This is a huge widespread outage that they refuse to recognize and someone needs to step in, force them to roll back their site to a week ago. Please just take a look at the complaints. Should never happen, and their refusal to admit this is serious is reprehensible.
For several months now ( since XXXX 2016 - current month ) every 90 days I have received a letter in the mail from Chase Bank, informing me that my application for the Amazon.com Visa Signature card has been denied. I have Never once applied for this credit card. I saw these inquiries on my XXXX credit bureau report and have filed a complaint to XXXX to remove these credit inquiries from my credit report as well as placed a Fraud Alert on my accounts in case they try to apply for this card again. After calling Amazon about this issue, they told me to call Chase bank. I have spoken to Chase bank twice now, once on my own and most recently through a Chase banker inside the bank and they told me to contact XXXX. Today I finally got a live agent from XXXX on the phone and they would not help me until I gave them my SSN, address, and birthday. They said they ca n't do anything about the applications under my name aside from trying to remove the inquiries and I just have to depend on the Fraud Alert to call me if someone tries to open that card under my name again. I asked the agent if there was anything else they can do to help me find out who or where this identity theft was applying for the Amazon Visa Signature card from, and they told me to contact Chase Bank. Like I said above, Chase Bank could not help me. Hopefully the inquiries under my name stop but I wish there was more Chase, Amazon, or XXXX can do to help me protect and restore my identity.
I attended XXXX College from XXXX till XXXX. I was diagnosed with XXXX in XXXX XXXX and had to take XXXX months off for XXXX, I started back at XXXX college in XXXX XXXX. XXXX made me take a private loan out with Genesis in XXXX XXXX because they said I owed them. I was always on time with my payments. then XXXX XXXX, XXXX XXXX college who are owned by XXXX college just out of nowhere closed. I dont feel that I should pay the loan that XXXX made me take out with Genesis. I am a XXXX. I have no income and I was tricked into taking a loan out so XXXX can take more money. I am very upset and feel that my loan that heald used was a fraud and It needs to be cancelled cause heald just closed and left everyone hanging.
I had lost my job several years ago, and was in danger of losing my house. I got help from XXXX my state 's entity for passing along monies from The Hardest Hit Fund. I was under foreclosure protection by being in that program when my original Mortgage holder sold my mortgage to another company. Before I was made aware of the sale, the second mortgage company IMMEDIATELY put my house into foreclosure. When I found out, I contacted XXXX who contacted them, and the foreclosure was stopped. However, the second mortgage company charged me for their legal expenses/lawyers fees by tacking an advance balance on my mortgage of about {$2500.00}, and when I appealed they said nope ... we want our money. I assumed it was resolved since I never heard back from them about their conclusion until they sold my mortgage to a third company. That 's when I started getting monthly statements that listed an advance balance. I 've contacted my current mortgage company XXXX separate times complaining about it and asking that it be removed. I contacted XXXX and the personnel there talked to my current mortgager about dropping the advance balance and the mortgager told the agent of XXXX that there was nothing to worry about that the Advanced balance is XXXX. I thought the issue was resolved but when I tried to get a lower interest rate, bam, I still had an Advance Balance of nearly {$2500.00} that had to be dealt with first ... not some new advance fee, still the amount that was transferred over from the erroneous foreclosure. I talked to them and was assured it was resolved. I 've applied for refinancing again and guess what? The advance balance was still there and at the same amount. I talked to my mortgager one more time, and was told it was going to a special research department. That was over two months ago. No communication from them and the Advance Balance of {$2400.00} keeps getting posted on every bill I receive. Since I never should have been put in foreclosure to begin with ( 1 ) Why was I charged for paying their lawyer to put it in foreclosure to begin with? ( 2 ) How can they tell XXXX there 's a zero balance and whenever I communicate with them or receive a bill the balance is {$2400.00} ( 3 ) I 've tried to get this resolved with my current Mortgage company about every 2 months for a half a year now. They assure me they 'll take care of it and are having a separate department research my issue, and yet they never give me any feedback on how my complaint is progressing and act like they never heard of me complaining when I contact them for an update. After this many attempts I can only come to one conclusion : they wo n't remove the advance balance and are throwing my complaint in the trash can/dead file every time I ask. ( 4 ) When I sell the house, I am sure they will try to skim {$2400.00} off of any moneys I have coming to me after the sale. HELP!
I sent paperwork to Equifax showing fraud on an account-I fax it in to the fraud department. The packet included a FTC Fraud Affidavit and letters that were provided to me by the FTC to have the account blocked. I called and verified that Equifax received the paperwork and they stated that they are not going to block this account. but put it in for a dispute. They stated that I have to filed a police report to get it blocked. I told them that I was informed by FTC that I was not required to have a police report file and not to file a police report until I know the amount of fraudulently charged. but they stated that is the only way to they will do it. Until they get that, they will treat it as a disputed account not a fraud account, and allowing it to keep report to the credit buear as an negative/ fraudulently account. Marking the account showing in dispute-Which with that, I can do any type of banking for my business. 
The rep stating, because I opened the account, it was not fraud. I did open the account but I have charges on the account that are fraudulently and the lender refuse to provide me any paperwork regarding these charges. I have filed all of the paperwork required. I have even filed a complaint with the CFPB regarding the company that is reporting on my credit report. 

What is the point of doing all the steps necessary for blocking a fraud account on the credit, if the credit reporting companies are not going to follow it. I was told about the fraud paperwork from XXXX and XXXX XXXX-Equifax stated all I could do is file a dispute and wait 30 days. Why is equifax not following any of the fair credit reporting rules?
I have a credit freeze on my Experian account and have been trying to change my PIN due to their recent breach. I have tried calling Experian, and have entered much personal information on the phone, but all I get is a dead end with no option to change my PIN.
I am currently unemployed and sought to ask for Lowering of my students Loans. Incidentally XXXX ( Navient ) gave my 6 different students Loans each with with Higher Interest Rates to the tune of 15 %, 12 % and 11 %. Navient has categorically refused to Consolidate my six different Loans over the years and thus has proceeded to deny me any chance of lowering my student debt. My students are Private student Loans and Navient has over the years refused to enroll me in any program and subsequently led me to file for Bankruptcy Chapter XXXX last year ; with only student Loans as my only Debtors. The Judge in the Bankruptcy case advised me to drop the Bankruptcy case since my debtors were mainly only Navient and I dropped it. I then asked Navient for a lowering of my monthly payment since I am unemployed and they refused. They rather kept calling my home and threatening me and after further threatening me to report late payments to my the Credit Bureaus ( which incidentally will adversely affect my ability to procure a Job ) ; I borrowed money to pay them last month and this month the whole scenario begins again. I need HELP to let me pay the amount I can afford to Navient before they destroy my credit history. I want to be in a program that will prevent adverse reports on my credit reports. My Account Number for Navient is XXXX. Loan Group Number : XXXX. Loan ID - XXXX, XXXX, XXXX, XXXX, XXXX.
I have a trial modification program with Ocwen for XXXX t the first payment due onXX/XX/XXXXwhich I paid onXX/XX/XXXXok I have the modification papers alll is good onXX/XX/XXXX I noticed the payment was shot bu XXXX dollars called them and notified that on XX/XX/XXXXthat I would submit the difference of XXXX dollars to be exact o me that by y .The XXXX XXXX confirmed XXXXandI actually paid total of XXXX dollars em is st systs was paid by XXXX yet there system still shows or reflects no payment made I need help please help me as I a single father with XXXX XXXX children loan # XXXX
Our furnace went out and XXXX company approved us over the telephone for a Wells Fargo credit card. They fixed furnace and the we paid more than the minimum each month and when the balance was down to about {$1300.00} they charged us {$1000.00} in interest. They claim it was a " deal '' they offered of XXXX no interest if paid in full. Even though the balance was {$1300.00} at end of 12 mos they charged over 28 % interest on the highest daily balance. We were never told this by Wells Fargo or the XXXX XXXX. We asked Wells Fargo to remove the interest charge and we 'd pay off the balance. They said no and so sorry. This is predatory lending at it minimum and outright fraud.
On XXXX/XXXX/16, I received a voice mail message at work from a XXXX XXXX saying she was a debt collector from Harris & Harris and to all XXXX x XXXX. The number recorded by the voice mail system was XXXX. I do not know what this call is about as I do not give out my work number for personal matters. Also, to be able to leave a voice mail message, you need to know the main number for my office and also my extension. 
In order for XXXX XXXX to leave a message she would actually have to ask for me by name.
Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY   has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from CHOICE RECOVERY  but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY to  release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than CHOICE RECOVERY is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 

The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, ACCT. BAL : {$16.00} ( this bill has been paid through health insurance ) 2. ACCT. NAME : XXXX  XXXX ACCT. BAL : {$40.00} ( this bill has been paid through health insurance )
Fair collections and out have reported inaccurate information to transunion, this information has caused serious damages to my lifestyle. I have sent proof that this information is inaccurate but transunion refuses to delete this account. I am being charged for living in an apartment from XXXX/XXXX/15 to XXXX/XXXX/2015 after my lease ended. I have sent proof that shows that this information is inaccurate. I have attached copies of proof that we ( XXXX XXXX and XXXX ) moved and signed new leases on XXXX/XXXX/2015. This needs to reviewed and corrected immediately.
There are a number of inquiries on my report that I did not authorize and I do not know why they are on here and I need them off as soon as possible. I called transunion and they would not remove them. Listed below are the name of the inquires and the dates of them all. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX