WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I paid an amount to settle a debt in full to REGIONS Bank, and the payment has cleared and was accepted by Regions Bank as complete settlement. A confirmation was recieved from Regions Bank confiriming via mail, email, and phone. I have reached out to Regions Bank regarding their inaccurate reporting to all credit reporting agencies that this debt still has a balance due which in fact is inaccurate and damaging information. Which is directly impacting my efforts to resolve this unfortunate situation that was a direct result of multiple untimely and unexpected immediate family deaths including my Mother, Aunt, and Grandmother within only a 3 month period. I have unsuccessfully reached out to this creditor asking that if this debt is settled to please extend their goodwill and remove this account in its entirty upon settlement from my credit reports. This has not been done nor is it reporting accurately. Attached are supporting documents I ask for CFPB 's assistance in this matter sincerely.
There are XXXX accounts that show up on my Equifax credit report. The account numbers are XXXX and XXXX. These accounts are not mine and need to be removed immediately. The 7 year FCRA statute of limitations ahs apssed for these XXXX accounts and they need to be deleted.
A debt from   XXXX   XXXX   {$800.00} original creditor  XXXX  ... was removed off my report and placed back on  in 2014. T his debt is past the statue of limitations and over  XXXX   XXXX   XXXX . Experian did an investigation last year and did nothing. The original default date is incorrect, but it sh ows 2014. E xperian refuses to investigate again and will not let me dispute this inaccurate information.
Today, XX/XX/XXXX, I received a phone call from XXXX at XXXX XXXX XXXX in Georgia. He told me he was attempting to collect a debt owed to HSBC Bank in the amount of XXXX. I was informed that this account was opened in XX/XX/XXXX at an address that I have not lived at since XX/XX/XXXX. When I  informed him that not only did i not have an account with HSBC and didn't live at the address when that card was opened, he basically disregarded me and said I'd have to go to court to dispute that. He refused to provide any further information stating that some credit cards have a small hsbc bank written on the bottom of it but he couldn't give me anything more than HSBC and the account balance. He also informed me that he would only email me the affidavit of claim and i had 24 hours to decide if i was going to make payment arrangements or have it go to judgement. 
After I hung up I called HSBC bank who informed me they had no record of me having an outstanding debt with them or in collections. 
I found out some of my rights to information from cfpb and contacted the company back. When I called they tried to verify the last 4 of my social which i refused and was hung up on. The man XXXX I spoke too called right back and was nasty asking me what I wanted. I asked him to please provide a copy of the affidavit via mail ; he refused stating that " it's too easy for people to claim they didn't get the letter ''. I told him he's required to send correspondence via mail and also to provide who my creditor was as well as giving me 30 days to dispute. He said he wasn't required to do anything, that he was marking me as a refusal to pay and hung up on me.
On my one year anniversary statement, I noticed Wells Fargo charged me a returned check fee for {$15.00}. They also sent a letter that said that my most recent automatic payment was returned unpaid/account not found and that as a result, the Automatic Payment Feature on my account had been canceled. I am not aware of being enrolled in any automatic payment feature. This type of error has not occurred before on my account and I manually pay my bill each month. I called Wells Fargo and the customer service representative was helpful and told me he could reverse the {$15.00} and that it would show up as credited on my next monthly billing statement, just to pay my bill as normal.
GMAC filed bankruptcy and sold our loan off. Ocwen financial now services it. XXXX years ago they showed us at XXXX on line for our loan. I set it up for auto pay bi monthly to pay it off faster. since then the amount has gone up to XXXX and yet we have not been late once nor have we missed any payments.
The  Wells Fargo Bank re peatedly place s 7 to 15  day hold when checks are deposited in the savings account by me or others. I believe in this day and age such lengthy hold only serve the purpose of the bank and are not warranted at all times.
XXXX XXXX XXXX XXXX XXXX agreement removed collection account off of my credit report. I dispute information with Expience credit agency and they envisage and only update amount and did not remove collection account.
I was a victim of identity theft. Someone tried to apply for an Target card in my name. When I noticed the inquiry on my credit file I notified Target thru certified mail of this discrepancy. They ignored my request. It has been over 30 days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Target.
While paying my student loans, I was directed to pay at least {$500.00} per month and I was XXXX receiving Social Security XXXX at a rate of XXXX per month. Year 2009. After paying thousands of dollars, my loans were dismissed due XXXX.
Equifax mishandled my personal information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
When my loan was transferred to Nelnet in XX/XX/XXXX they began listing a borrower benefit of a 1 % rate reduction after 36 on-time payments. I am not aware of/do not remember seeing this benefit before the transfer to Nelnet. In approximately XX/XX/XXXX or XX/XX/XXXX I inquired about paying ahead in order to meet the 36 on-time payments requirement so I could get the 1 % rate reduction. I was told at the time that it had to be " on-time '' payments, and paying early would not meet that requirement. So, after making the 36th on-time payment I was awarded the benefit and the 1 % rate reduction began with the XX/XX/XXXX statement. In XX/XX/XXXX I received notice that the borrower benefit that had been listed on my account for the previous three years was done so in error, and as such it was being removed. I inquired about this with Nelnet and was told it should have never been on the account and that I actually benefited because they were not making the new interest rate retroactive. I informed them that I only began receiving the benefit after I had made 36 payments with them, not since the loan was transferred to them. I further inquired why the benefit should have been removed initially ( by the previous servicer ), and after some research by Nelnet was told that I had made a late payment in XX/XX/XXXX. I asked to be provided documentation of this as I have never made a late payment since my loans had gone into repayment. I was sent a letter dated XX/XX/XXXX ( not XX/XX/XXXX when I was supposed to have made the late payment ) that stated I was no longer eligible for one or more borrower benefits and the benefit had been removed. The letter did not state what benefit had been removed, nor the reason I had become ineligible.
Prior to my divorce, my ex husband was able to open up several accounts online in my name using my information. I have been able to get everything except an account he managed to open in my name with Capital One. After getting nowhere with them, I filed a dispute XXXX. Instead of removing it, I received letters from CO thanking me for my recent inquiries into my account. This is infuriating, as I have not had an account XX/XX/XXXX with them. I have tried to call them, but instead of listening they try to trick me into making a payment- which I am not going to do. This was not my account and I will not be making any payments to it. I knew nothing about this account XX/XX/XXXX, when I had my credit pulled by a mortgage company, hoping to get a home loan. 
I am tired of dealing with this, and I need some help. I worked very hard to close out any account that I had opened in effort to be debt free. While I realize that hurts credit too, I did not want to owe anyone anything. I need help with this.
This is a follow-up of Case #  XXXX  that I submitted in  XXXX . Since that case is closed, I am unable to add this to it.     I did wh at FedLoan said t o do in their response. I called them on  XXXX / XXXX / XXXX  and spoke with a representative for  22  minutes and I thought this was straightened out where I will be able to make payments. Not so. I asked the representative about the Reduced Payment Forbearance for as little as {$5.00} mentioned in the letter, and he said I did n't need to do that because I could be put on forbearance until my application for for REPAYE was received and processed. He also said I would n't have to make a payment under the standard payment plan - I explained that I just do n't have that kind of money. He said that my monthly payment under  the REPAYE  plan would be approx. $  XXXX  month.  I said that would take away from necessities such as my required life medicines, and he said that is the best FedLoan can do. I reluctantly agreed thinking that I would receive a repayment plan for this amount after my REPAYE application was processed which did not happen.     On  XXXX / XXXX / XXXX  I received an electronic letter from  FedLoan stating the results of my forbearance request ( copy attache d ).     I mailed  my REPAYE application to FedLoan   XXXX / XXXX / XXXX . I received an email on  XXXX / XXXX / XXXX  that my application had been received ( screenshot attached ). On  XXXX   XXXX ,  XXXX  I received another email stating that my request was on hold  ( s creenshot attached ).     On  XXXX / XXXX / XXXX  I received  XXXX  letters electronically from  FedLoan. The  first letter states that they processed a forbearance on my loans and that in order to change repayment plans, I have to make a payment of {$1000.00} under the standard payment pl an ( co py attached ).     The second letter  is a " Repayment Plan Change  Requires Payment '' and states that I must make a payment under the standard repayment plan  ( c opy attached ).     I have repea tedly stated to FedLoan  and to the representative I spoke to on  XXXX / XXXX / XXXX  that I do not have the money to make e ven one  payment under the standard plan. Finances are extremely tight, and my hours got cut so I 'm going to be making even less.  FedLoan 's r epresentative apparently lied to me, and I 'm getting looped around and around in a circle. This company is making it impossible for me to make monthly payments which I want to be able to do. All I want is to be put on a repayment plan that I can afford so I can make monthly payments! I ca n't even get the Reduced Payment Forbearance mentioned in their response - why?     This has been going on since  XXXX   XXXX , and it 's aggravating a serious health condition I have. I 'm getting to the point of looking into suing them for medical costs, and the aggravation this is causing me. I am a person who pays my bills, and I 've never been treated so poorly. I 've done everything possible to get on an affordable repayment plan an d FedLoan is   uncooperative and wo n't work with me.     Please, please help!
XXXX College had a data breach involving XXXX Forms, which includes names, addresses, social security numbers, salary information, and tax withholdings for XX/XX/2016.
The collector stated that he could not accept my payment of what i could afford {$50.00}. The collecter then proceeded to tell me if i can pay {$7000.00} it would be paid in full when i said i ca n't afford that he said can you get a cosigner for a bank loan.
My credit cards were stolen on XX/XX/XXXX from XXXX in XXXX XXXX , the thief then proceded to run to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and committing fraud by charging my debit card ( without pin ) for XXXX. My phone texted me to tell me the transaction and I immediately called Chase and told them it was fraud and to shut my card down, they did and reversed, now I got a letter saying the transaction was valid. I called them back today XX/XX/XXXX and told them it was not and there is a video of the fraud and the signature was not mine.
Accounts were opened fraudulently. The following accounts still remain on   XXXX   & Transunion.   XXXX   XXXX   XXXX  , opened  XX/XX/XXXX &   XXXX   XXXX   XXXX   {$590.00}, opened  XX/XX/XXXX . The exact same accounts was on  XXXX  however   XXXX   was able to remove the accounts. All   XXXX   bureaus were sent the exact same information to fix the dispute.
CMRE, account number  XXXX  is an ever increasing debt on my credit reports,   XXXX    AND  XXXX  I dis puted the debt with  XXXX  and it came back verified.I, in my dispute told CMRE and  XXXX  this : I had treatment at  XXXX   XXXX  After  the treatment I received a bill ... I wrote to the hospital explaining my difficulty in paying as I was homeless, broke and sick at the time.  XXXX   XXXX   sent a letter saying not to be concerned ; that  XXXX   XXXX  had a " homeless fund '' that they could dip into and cover my bill.They said not to worry about it that it would be covered by them and paid completely.I received no more bills or contact from anyone including CMRE.I have never had a debt validation notice from CMRE, yet according to  XXXX  they investigated and " verified '' to  XXXX .The letter sent to me is in the files of  XXXX   XXXX   XXXX   XXXX .   I have not as yet come up with or been able to find my copy of their letter as it was about 5 years ago ... but my girlfriend and I would n't have thrown it away and may come up with it shortly ... ..Nevertheless.  XXXX   XXXX    XXXX   XXXX  HAS A  COMPUTERIZED RECORD OF THEIR CORRESPONDENCE WITH ME.
Opened an account at PNC with {$300.00} new account bonus if have minimum of $ XXXX direct deposite and XXXX online payment in the first 60 days. I have met well over the minimum requirements. Spoke to multiple reps in between and was advised that I was doing the right thing, everything is set up correctly and that the only thing I need to do is wait until after 60 days for the bonus to post. After 60 days have elapsed, I contacted customer service and inquired about the bonus. I was told that I 'll receive a response within XXXX business days and customer service was not professional to follow up. I contacted customer service another XXXX times and It was not until then that I was told the direct deposit went to another checking account and hence they refused to award me my bonus. PNC lacks integrity, it 's obvious that the employees mislead and misinform customers intentionally, or they 're truly incompetent. I feel cheated. I had all my earnings with this institution, but only to find that it 's dishonesty and sly. PNC is finding any way it can to deny honoring its words.
Dear XXXX XXXX. 

I am writing to you in regards to unsatisfactory resolution on the above mentioned disputed item on my M & T Debit Card. 

On XXXX XXXX, 2016, I attempted to make a purchase with XXXX. The transaction was declined for insufficient funds ( copy of decline enclosed ). A few days later, when reviewing my account online, I noticed the charge had posted to my account. I immediately contacted your Call Center and filed a dispute against the charge. I was issued a conditional credit while the investigation was conducted. On XXXX XXXX, I received a letter from the Disputes Department asking for supporting documentation, which was provided and immediately returned. 

On XXXX XXXX, I received a letter advising the dispute and been reviewing and was placed in the favor of XXXX and the credit was reversed on XXXX XXXX. That same day I contacted your Customer Service Group XXXX to discuss the transaction. I first spoke to a Representative, XXXX and finally had to ask for a Supervisor, XXXX. XXXX advised they would work with XXXX from the " Back Office '' and for me to also contact XXXX, this call lasted for XXXX minutes. Following his instructions, I contacted XXXX at XXXX XXXX ) XXXX and spoke to XXXX, which was a Call Center in a XXXX Country. She indicated an Account Specialist would contact me to resolve my issue. I received, the enclosed form, which had no bearing on the purpose of my contact. 

On XXXX XXXX, I once again contacted your Call Center and spoke to XXXX, a Rep and then to XXXX, a Supervisor, and finally to XXXX another Supervisor. XXXX advised me that this case is closed with M & T and that there is nothing that the Bank can do to help me with this issue. As I have indicated to each person I spoke with, I received a decline letter and no merchandise was shipped to or signed for by me at my address. I work for XXXX XXXX, Monday through Friday from XXXX until XXXX and your Disputes Department indicated I signed for this package. I am a single person living in a single family Home. I have asked for that " signature '' to be compared to my Signature Card on file with the Bank, and no one wants to take ownership for this issue. I ca n't absorb this {$1100.00} and subsequent Overdraft Fees that have occurred. I work very hard for my money day in and day out and other transactions, Utilities and Insurance Premiums have been returned and OD Fees charged to me as a result. 

I spoke to a friend over the weekend that works for XXXX XXXX XXXX XXXX and she indicated that this could be returned to XXXX as a " Good Faith Collections '' item?!?! 

I am looking for your personal interaction to please help resolve this issue and plead for mercy. 

I have been charged XXXX indvidual NSF @ {$38.00} for this transaction
On Thursday XX/XX/XXXX, I called Harley Davidson Financial Services. I paid XXXX  dollars to bring my account current. I received a call XX/XX/XXXX. I returned the call at XXXX XXXX  and was told the vehicle is still up for repossession after bringing the account current. I am told this morning the vehicle is up for repossession for this month 's payment which I still haven't received the statement for. They attempted to strong arm me while on the phone telling me that it they may take off the repossession.
RE : IMPORTANT CHANGE TO YOUR ACCOUNTI received the attached letter today stating that as of XXXX XXXX, 2016 I will no longer be able to make additional security deposits to increase the credit limit of my secured XXXX. I am confused as to where it states in the original terms and conditions, which I have reviewed carefully that the bank can do this. 



I 'm confused as to wh
I have a written statement explaining that I applied for a loan modification and was denied because they stated that I had received my allotted time fort a loan modification.
I became XXXX  in 2013. I have not worked in the field that I went to this school for. I am currently waiting on my XXXX which will take another 7 months before I know anything. I am working with an attorney and also some of the schools cost for XXXX  XXXX was unfairly charged. The cost of the online course that I took was over {$30000.00}. It is a total rip off and I was unaware of the total cost. The way they had everything set up was unethical. I have been fighting to get these student loans for this online course off of my credit for years and they just keep deferring it and charging more interest to the loans. I didnt even know that I had many different loans. I was never informed of this and thought that I had one loan out for the entire course which normally cost around $ 6-8,000 and not over {$30000.00}. This is insane.
On or about XX/XX/XXXX I entered the XXXX XXXX XXXX, later XXXX XXXX of XXXX, as a Business student. I continued my classwork until XX/XX/XXXX, when I was hit with financial issues, and had to drop out of school. In XX/XX/XXXX, XXXX XXXX of XXXX abrutly closed its doors and left many students, like myself without the opportunity to continue their education. Now in XX/XX/XXXX, I am paying back a student loan for a school that has closed. According to what I have found, the grounds for student loan cancellation is that a school closes ( such as XXXX XXXX ). I have been in repayment status for approximately one-year, and when I recently submitted my request to cancel my student loans due to this provision, I was provided with a short-term forebearance that ends XX/XX/XXXX. This is NOT what I originally requested. 

I still over over {$8000.00} for an education that I can not complete. I have not requested that they review my " Loan Cancellation '' form since my original request in XX/XX/XXXX, since I do not feel that they will respond to me with an accurate explanation.
I recently received a copy of my XXXX.The credit report showed a credit inquiry by American Credit Acceptance on XXXX/XXXX/2015 that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
I have been trying to request my annual credit report from Experian through the XXXX website for the past two weeks. I have been getting the following message and was unable to get the report : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 
XXXX XXXX. XXXX XXXX XXXX, GA XXXX
My dispute has to do with a XXXX, XXXX Master Card. In XX/XX/2018 fraudulent charges appeared on the activity page on XXXX website for my card. I notified XXXX and told them of the fraudulent charges. They closed the account and issued me a new card with a new account number. However, when they brought charges over from the old card these included the fraudulent charges. I notified XXXX by phone and was told that the error would be corrected. At the same time, I discontinued use of this card. From that time until the end of XX/XX/2018, I have received no statements nor any other correspondence from XXXX. These accounts had been setup for automatic bill payment. 

In late XX/XX/2018, I received a notice dated XX/XX/2018 from XXXX XXXX XXXX stating that they were attempting to collect a debt owed XXXX for the Master Card in the amount of {$200.00}. I attempted to go onto XXXX website to view any activity on either of the cards. No information was available because the accounts had been closed. I then called XXXX at the customer service number listed on the back of the card and was routed to their internal credit collections department. I explained the situation to them and asked for copies of the statements showing the activity on the master card. I was told that since the amount on the card was now in collections, they had no information. 

I then contacted XXXX XXXX XXXX and made the same request. They told me they would send me 12 months of statements. To date I have received nothing. 

On XXXX XXXX, I received for the first time a statement from XXXX for {$200.00} plus {$37.00} in fees plus {$2.00} in interest. I contacted XXXX XXXX XXXX by phone and email but have received no response from them. I contacted XXXX credit collection bureau again and was told this time that they would provide me with the last 12 months of account statements but it would take 30 days. They refused to discuss the additional fees and interest charges. 

This has effected both my husband 's and my credit score. We have excellent credit. My intent is to get this resolved as quickly as possible but I am receiving no cooperation from either XXXX  nor XXXX XXXX XXXX.
I have fines owed to XXXX county and they were turned over to Dynamic collections and now my wages are being dramatically garnished with no care that I am a single father with XXXX children. I received no notice and only recieved a document of who was garnishing my wages 3-5 days later