WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I went into a payment arrangement with Citi Cards on my credit card payment. I called them because I knew it would be difficult to make the payments over the next few months. We agreed to close the account and set up a payment of {$210.00} per month. The representative told me to pay {$280.00} then and my next payment would be {$210.00}. Fast forward to XX/XX/XXXX I am about to make my next payment when I see that my account shows I am 30 days late. I called to find out why and they said the account was carrying a balance due. I was never told about this balance or contacted I was behind. I found out after they reported me late. I called to have this late removed and they have refused. I told them I will no longer pay this account until they remove all negative reporting as it was false. They refuse to work with me and only tell me I can fax in my complaint and they have 30 days to respond.
In XXXX, 2015 I was approached by the mortgage division of a bank about refinancing my mortgage. I was told that there would be absolutely no cost to me., which on paper seemed to be true. However the day before the closing I was informed by mail and by phone that because my previous mortgage holder had not not maintained the escrow account properly and the amount of the refinance would be {$3000.00} more than what I owed on my house. I had my suspicions that the refi was no longer at no cost, possibly an instance of bait and switch. I wish I had not proceeded with the refinance but I went ahead with it, as it was still going to save me what to me was a significant amount of money. 
Two or three weeks ago now I received notice from the lender that my escrow account was short of funds again in the amount of almost another {$1000.00}. This is going to raise my monthly payment by an amount almost equal to what I saved by refinancing. Now I am convinced that something is not right and perhaps fraudulent.
Today I received 3 envelopes from Navient -- one for bill/statement due for $ XXXX dollars due in a few days, one for 3 different minimum payments, one for how my payments would be processed. The one with the due bill showed that my student loan increased and I had to pay a sum I was unable to afford since I am a participant in the income-based repayment plan. Since I only recently attained a full-time job, I had n't been able to pay my loans before this year and only just managed to save enough money to not worry about paying my loan with my other bills. I never received any notification that my IBR plan was up for renewal ( which it normally is around tax season ) through the mail or an email. When I called Navient to ask about my IBR, I also asked why my student loan suddenly increased from about XXXX to XXXX ; I was told that I was being charged interest when in previous years I was told I was not going to be charged interest since I was a student taking out the loan rather than a parent, etc. I was also told that I would not be charged interest on a subsidized loan but would be charged interest on an unsubsidized loan -- I have both and saw on my online account that I was being charged interest for BOTH my subsidized and unsubsidized loans, from both of the universities I attended. I am being charged 4.5 % interest on the subsidized loans and 6.8 % on my unsubsidized loans. I even picked another month at random to check, and I picked a statement from XX/XX/2016 and compared it to the statement I was mailed ; the XX/XX/XXXX statement was the original amount I knew I owed WITHOUT any interest. I just applied to renew my IBR plan ( now I just have to wait to hear back after my application is processed ) and the representative who helped me put a forbearance through for this month so I would n't have to pay an amount I ca n't afford at the moment. I still do n't understand how I am being charged interest suddenly when I was under the impression the last few years that I would n't be charged interest and I could pay my loan without worrying about accruing much, if any, interest.
Equifax Issue - spoke with a salesperson to understand their credit monitoring services. Hung up, did more research and signed up online. When specific feature I was promised was not available, I called Equifax back. They indicated I needed to signup for a more expensive service to get the feature I wanted. I agreed, then Equifax ' system went down and they could not upgrade me. I asked to speak to a supervisor. I spoke with supervisor on my signup challenges and in the discussion found out Equifax solution did not have the specific feature I wanted. Supervisor agreed to give me a refund. Never received refund. Called back and was told that my credit had been rejected because I signed up on line. If I had signed up by talking to a salesperson they could have processed my credit. In other words they do not stand behind their product or salesforce or they are calling me a liar. Hard to understand how a credit bureau who reports on others integrity does n't have the integrity to stand behind their sales team - and by the way I had the salesperson 's name.
I have XXXX items that are in collection on my credit report. I do not owe these debts as I had medicare at the time and I met my required deductable. {$140.00}. I was put into collection for a dr 's office and cardioloigist visit. To clairfy this they both are trying to collect a debt from me when I confirmed with medicare that they paid these bills. I should not be in collection as it is ruining my credit score and report. I keep getting letters from richard sokoloff ( atty ) that is trying to collect this debt. I wrote to the atty 's office as well and explained I spoke with medicare and it was confirmed that I met my annual deductable and they paid these XXXX accounts.
Debt was paid but never reported as paid or close to credit bureau or public records. When contact them about a release letter they said it will take from 30 to 45 days, called them back after 45 days and they gave me the same answer, eight months later still no letter. The company claims the attorney who handled the case should release the letter but when I contacted the attorney they said they are the company reporting to credit bureau therefore they should release the letter not them???
I have disputed the inaccurate reporting that Equifax has been doing in relation to XXXX XXXX account number XXXX. Equifax received dispute information from me dated on XX/XX/XXXX about the inaccurate information of this account. I attached a identify theft policy report to Equifax as well on that date. I was notified on XX/XX/2018 by Equifax via their credit monitoring alert that this account was still reporting and that the information that was currently reporting is even different from the information on my credit file on XX/XX/XXXX with confirmation number XXXX. It is a material fact that the amount being reported on XX/XX/2018 is different that on XX/XX/2018 for the XXXX XXXX account XXXX and this account does not have the ability to increase due to its status. 

This has caused me tremendous personal damages with employment opportunities and various financial credit opportunities with potential new creditors.
I have dispute various inaccurate reporting on my credit reports that were never resolved. I disputed some late reporting from Capital One Bank, XXXX, XXXX, XXXX and XXXX with these creditors themselves and also the XXXX major credit bureaus ( XXXX, XXXX and XXXX ) . The creditors violated the Federal Law by not sending me a mail 30 days after inserting the negative marks on my credit reports.I used the Law to call them on it but instead they only sent me a bunch of old statements that did not address the problem. Furthermore the credit bureaus told me they will not investigate these items anymore that the reporting was accurate.I also demanded they ( the credit bureaus ) send me the XXXX forwarded to the creditors and the AUD`s received back from the creditors and that never happened. All of them just flat out ignored my request. Also the answers I received violated the 30 days they were allowed to answer me back.They ( the creditors ) failed to prove they violated the Law and I believe they did not conduct any reasonable investigations. I need the CFPB to get in the bottom of it and make sure they abide by the Law.
I co-signed private student loans for my son. These private student loans where than purchased by  XXXX   XXXX  and subsequently transferred to Navient. I am a co-signer on this loan with my son as the primary. In  XXXX    XXXX   during the transfer time between  XXXX   XXXX  and Navient my son became delinquent for a 60 day period on the student loan. There was no delinquency for 30 days only a  1 t ime 60 day delinquency. At the time my son was catching up with the payment of the loan and for several months could not afford the full payment however made at least 75 % of the monthly payments, and continued to always send in some payment. At the time he was adjusting to paying  XXXX  private student loans to  XXXX  different companies. Navient placed in  XXXX    XXXX   a  XXXX  time 60 day delinquency on not only my sons report but to my credit report also. As stated I am a co-signer on the loan a guarantee that it would be paid if my son could not pay it off. I have tried to rectify this negative reporting with Navient and with the  XXXX  credit bureaus reported to  XXXX   XXXX  and  XXXX . I have disputed with the credit bureaus with no success. I been meet with nothing but bitter commentary from Navient employees and was provided with no help to eliminate the negative reporting on my credit.
Re : Hard Inquiry/Unverified on my behave I recently checked my credit report with Experian, XXXX, XXXX. 
I have two Hard Inquiries from company : XXXX XXXX XXXX XXXX : XX/XX/2017 Second : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ( XXXX ) XXXX I called many times, left messages to XXXX XXXX XXXX spoke with different representatives, got the turn around.Gave my personal information again and again. I was told that they would forward the information to their supervisor to revise and report the correct information to Experian. Never received update at all from XXXX XXXX XXXX. 
I contact Experian directly to let them know.That the Hard inquiry needed to be reported correctly and Deleted from my credit report.But is still shows
XXXX XXXX continues to call our law firm asking about one of our clients. We do not talk to strangers about whether a person is a client at our firm or not. She tells us we are being recorded even though we say we do not consent to being recorded and as Florida is a state that requires consent they are breaking the law by doing this. We have asked them not to call but they continue to do so. They are very rude. I called the number back and asked them to stop calling and was met with rudeness there also, when I told them I would file a complaint they laughed. Receivable Management Services XXXX XXXX XXXX
On XXXX XXXX, 2017. I called Ideal Collection Services in XXXX, XXXX after I had received a letter from them. They were collecting for an outstanding repair fee for an apartment I used to rent over a year ago. They were apparently going after me for some fees that remained even though I paid and signed off on everything. They hired this third party I guess to try and collect. Never ever have I ever experienced such an incredibly rude and demeaning company as this. I went along with all they wanted in order to resolve it, I asked for 1 more day to do it! They told me they could n't do it and told me when I call back I would need to pay the full amount. That if this were not done the account would be reported to the credit bureaus would and hung up. I called again and asked to speak with someone else and they told me I could n't I explained that I wanted to pay it but wanted to speak with someone else, again they told me to call back when I was ready to pay and hung up again. I again called and wanted to speak to someone different and again was told I could not. I could n't believe this was an allowable practice. I was willing to pay and resolve the issue yet it almost seemed like they did n't want me to! All I can think was how incredibly evil this person was. Not sure how she sleeps at night. And shame on this company for having people like this on their staff. I do not want this to reflect on my credit and I am willing to pay it. I was so cooperative and soft spoken and they completely belittled me and did not want to help me at all. They now do not even pick up when I call. I just want to deal with another person as I refuse to be treated that way. At one point I told her I was going to report them and complain in which she responded, who are you going to complain to? '' in a totally condescending way. Like there was no one who I could complain to. I literally was sick after this incident.
inquiries.. hard and soft are popping up on my credit report that I have no knowledge of. EX : XXXX, XXXX, XXXX, XXXX and much more .... can these items be removed please..
I received 2 red violation tickets in XXXX XXXX, IL. I paid both of them. Details of which are as follows - 1. Notice Number : XXXX License Plate : XXXX Violation Date : XX/XX/XXXX Violation Type : RedLight Respond By Date : XX/XX/XXXX Amount Due : {$100.00} ePayment Convenience Fee : {$3.00} Amount Paid : {$100.00} Balance Due : {$0.00} Status : Liable & Paid Payment Confirmation # XXXX 2. Notice Number : XXXX License Plate : XXXX Violation Date : XX/XX/XXXX Violation Type : RedLight Respond By Date : XX/XX/XXXX Amount Due : {$100.00} ePayment Convenience Fee : {$3.00} Amount Paid : {$100.00} Balance Due : {$0.00} Status : Liable & Paid Payment Confirmation # XXXX I do not even know if these violations were correct but I still paid them. 
But this debt collector XXXX is constantly calling me since last year that I have not yet paid my tickets amounting to {$200.00}. If it's a new ticket they are talking about, then I have not even received any mail communication. And if they are talking about previous ones, then they are forcing me to pay something which I have already paid. In either cases, they are fraudulently harassing me.
Recently I applied for financing and was denied do to a company called RCS that started reports lates to my account this year and updating the date of last activity on a loan on a property that was foreclosed on in Texas in 2009. The 7 year statute of limitations is up and they are violating the FDCPA by buying this debt and reporting newer dates to try and collect. I disputed with the bureaus and they verified the debt but provided none of the documentation they need to have in order to report it. I also sent them a letter directly to validate the debt which they still have n't done. They are illegally affecting my ability to refinance my home. My husband passed away recently who was also an owner on this property and I am struggling and need to refinance my home.
Debt does not belong to me and after research I have found ( FCO ) Fair Collections and Outsourcing does not have License to collect in my state which is Florida
I received a phone call this morning XXXX XXXX from XXXX Law Office from a person calling himself XXXX XXXX. He claimed that I had a class action suit being filed against me regarding a debt with XXXX XXXX XXXX stating that it was a time sensitive situation on my voicemail. This man called my mom, XXXX sisters, brother in law and his mother ( I do n't even have her phone number ). 
I asked several times for law license number and he refused to give it to me, and I also asked for him to send the claim in writing to the address that he had on file. When I asked to speak to a supervisor he refused and ended the phone call.
Goodmortgage.com provided me a good faith estimate and then changed the structure of the loan at the finish line. What they did to me was criminal and they robbed me of money while putting me under duress to close on the loan.
I am a victim of identity theft and Equifax refuses to assist me in making sure my credit profile is accurate. I have several records as proof. 

I am trying to repair the damage done to my credit due to identity theft. I have been disputing information for several years and this credit bureau has been extremely uncooperative and frustrating for the past XXXX years. I am unable to log onto my account because the security questions asked are inaccurate ( due to ID theft ). When I call Equifax, I am unable to speak with a live person for assistance. I was able to speak with an Equifax agent via chat who was unwilling to assist me ( I added attachment log ). When I send disputes via certified mail along with a copy of my drivers license and current address, I either receive no response or I receive a response which states they are unable to process my request. 
The Fair Credit Reporting Act Section 607 Compliance procedures [ 15 U.S.C. 1681e ] section B states ; Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I would like a copy of my Equifax credit report. I would like to speak with a LIVE person so I can dispute and freeze/unfreeze my credit. I would also like an account missing from my credit report added to my credit profile. The FCRA states in back and white that I should have all of these abilities. I need my credit report to be accurate in order to live a productive life. I am unable to open a loan to buy a home or vehicle. I am unable to open a credit card or establish credit. This has become mortifying and I if no action is taken I will have to seek out an attorney. Please help.
I HAVE NO OUTSTANDING DEBT FOR XXXX. ON XX/XX/18. THIS DEBT IS NOT MINE. FRAUDULENT REPORTING
To whom it may concern Huntington Bank is violating FCRA, by reporting my credit incorrectly. On XX/XX/2018 I spoke to XXXX XXXX at XXXX, when I received a notice stating this loan was late, and I promptly made a payment. After speaking to the cosigner on this loan, I found that there was in fact a payment made on XX/XX/2018, made by phone, but instead of Huntington putting the payment on the right loan they posted it on a XXXX XXXX loan # XXXX ( Which this is a breach of privacy that I have her loan information because of your XXXX up ) I called back the same evening on XX/XX/2018, and spoke to XXXX XXXX again at XXXX and explain the situation. He tells me that he has to put in a work order and that the payment on XX/XX/XXXX, will be pulled from XXXX 's account, posted correctly to my account, and the payment I made that evening would post for the XXXX payment. Oh and there is no confirmation number he can give me. 

Fast forward to XX/XX/2018, when I received another late notice, and realized the issue had NOT been fixed as XXXX said it would be. I spoke to XXXX at XXXX who put in another work order to have the misapplied payment applied correctly. She advised me to call back in 2-3 business days. I called back on XX/XX/2018, and  spoke to XXXX at XXXX, she told me the payment had been moved and it would be back dated to XX/XX/2018, when the payment initially was paid, and the next payment would need to be paid no later than XX/XX/2018. I told her at that time that I was concerned about this on my credit. I was rest assured it would not hit my credit and ALL late fees would be waived. 

Can you imagine my surprise when I received FOUR credit alerts on XX/XX/18 showing that Huntington reported this loan late for XX/XX/2018 dropping my credit score over 60 points I was at a XXXX to be dropped to XXXX? Even though it was XXXX XXXX, the call system stated that the branches were closed but the phone center was available. 42 minutes on hold, I just hung up and drafted this email and sent it to them. 

Today XX/XX/2018 I called XXXX, spoke to XXXX, who said he was not able to help, but he didn't see any late fees, and that they are not able to tell customers if payments will affect their credit score, he gives me XXXX informs me I have to talk to customer service. I talk to XXXX and she says she has to transfer me to loans, because guess what? She cant help either. I was on hold for 33 minutes during this " transfer '' before I hung up and called back to customer service to only find out they were closed for the even. This is a joke right? That is probably why I was on a forever hold because just like XX/XX/XXXX they were closed and now they are closed and there is nothing in the works to say that they are closed. A whole hour and 15 minutes of my time was wasted, which my time cost {$28.00} an hour so that is about {$35.00} that Huntington owes me for attempting to do their job.
Williams & Fudge ( Account # XXXX Pin # XXXX / # XXXX XXXX XXXX ) - mailed me a letter trying to collect on a previously disputed very old and unknown fraudulent debt. I mailed them a letter XXXX via certified mail advising that I am a victim of identity theft, the unknown debt they are trying to collect is a time barred debt in which has expired the Florida statue. In addition, I sent them a copy of the police report with a memo telling them to cease contact. Lastly on XXXX a relative called me telling me that this company contacted her very late questioning and not disclosing further information regarding who was calling. I need Williams & Fudge to cease and stop collecting on this fraudulent and unknown debt.
Tried to contact me numerous times. Over the phone in which I have asked to verify the original creditor had updated the amount owed to show correct amount, I had also asked for a written confirmation letter of amount owed so i could pay. Which as of  XXXX  they said they had finally sent but I have not received. When I said I need this I was told they are going to contact  XXXX   county s aying i refuse to pay which was incorrect. I am trying to get confirmation on amount owed with their fee. They have been abusive with harassing calls.