WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was suppose to be fixed rate. I consolidated my loans with XXXX XXXX which sold to XXXX. its been XXXX since then them changing my payment plans, when the loan is finally paid off. Originally my paperwork states XXXX. Last time tho last year they sent out indefinite will increase for as long as they gather interest rate. The variable changes greatly as I pad XXXX a month roughly and only XXXX goes to principal and its been that way since it was transferred but was bad even before and I have been paying it it since XXXX. XXXX  years almost XXXX and its only gone down XXXX dollars, it was XXXX k something XXXX roughly XXXX and now its XXXX. I have another school loan that was predatory from XXXX that I finally had enough and am paying back at XXXX a month which will be completed in XXXX. I cant afford much more with this company and they wont work with me and play games. 

I am a normal hard working person who has been been late or missed a payment. This is so predatory. almost XXXX years of XXXX year original loan I took out and its only gone down XXXX? on top of that they went from XXXX to now .... XXXX???????? How is this possible I never signed anything stating they can do that nor was I told about it when I was XXXX living with family and desperately trying to afford college. In which case my degree from XXXX was obsolete ( print design ) by the time I graduated. So Im stuck here. HELP
TransUnion is refusing to work and operate as a neutral party. They have not demanded the debtor to provide accurate information of debts. Debt collectors are basically making statements with no proof. The account I am complaining of states closed and paid by collateral of the report.
PEAKS private loan is the company XXXX tech has signed me up for and they have loans that are nowhere as big as the federal loans, total amount of private and federal is over XXXX, but cost almost double what the federal loans do. When checking the interest I found it was much higher than the other federal loans I have and was never told that Peaks was the company that they went through and was not even aware until I got a notice that my student loans were all consolidated for me even though I do not have a copy of any paperwork stating that I wanted them to do it. I was rushed through signing every student loan document in the school and most of the time they had already filled them out for me without me even seeing stating that I would be expelled if I did not sign it that day right then. I had no time to go through the paperwork due to the pressure from the financial department and the threat leveled against me. PEAKS, from what I have read, is part of the complaint against XXXX XXXX and was sent here from another website stating that this information should be presented.
I recently reviewed my Equifax credit report and viewed a XXXX XXXX account that is over XXXX XXXX XXXX. I respectfully request that the XXXX XXXX account be permanently removed from my credit report. Furthermore, I also observed the Hard Inquiries that I do n't recall authorizing. XXXX XXXX/XXXX/2016, Florida XXXX XXXX & XXXX XXXX XXXX XXXX/XXXX/2016. I respectfully request that these hard inquiries be removed from credit report.
Portfolio Recovery Services used unscrupulous and deceptive practices to try to collect a debt. 
1. Unending calls even after I advised them to stop calling. One call came while I was in hospital being treated for a serious illness and the collector would not get off the phone. 
2. Debt collector fail to provide details and proof of debt even after being ordered to do so by the court. 
3. The collector intentionally shared misinformation about a continued court date, which I relied on and they showed up to court and secured summary judgement. 
4. Debt collector failed to negotiate in good faith. We made an offer, under duress, in the hospital just to make them go away. And they responded affirmatively with a letter that quoted an offer which was three times the amount that I actually offered. 
5. Debt collector continued to pursue action even though they were advised that the debt was not mine and further that I had retained counsel for the purpose of bankruptcy in XX/XX/XXXX and they refused to contact her. 
XXXX.
In 1998 XXXX XXXX turned over an unpaid bill for {$840.00}. To Pinnacle Collection Agency. ( This debt is not mine. I have never had services with XXXX XXXX. ) I have written to them previously and informed them that this is not my debt. I asked them to send me proof that this debt was indeed mine. They sent me copies of phone bills. ( Not a contract signed by me ) They have assigned the same debt to another Collection agency. I need help getting this information removed from my credit profile and stopping these folks to continue to contact me for a debt that is not mine. I thank you in advance for your assistance in this matter. 

Sincerely yours,
Today, XX/XX/2018, I was unable to delay my monthly Student Loan Payment due to internal processes present within my Loan provider, Navient. Due to financial hardships as well as with an irregular pay schedule I was unable sufficiently satisfy monthly payment. When calling the provider to put a stop/delay the automated payment, they explained that it was too late to delay the payment ( even tho I called before the payment scheduled payment date ).
Experian Information Solutions failed to block fraudulent information being reported on my Credit Report dispite my police report and fraud affidavit previously sent to them as well as the creditors. The accounts are as follows, Experian Report # XXXX 1 ) XXXX Bankruptcy Court 2 ) XXXX XXXX XXXX
In XX/XX/XXXX, I pulled my credit report and a collection account from XXXX County Court and the Ohio Attorney General for State Taxes for unpaid taxes was showing on my report, I had no idea so after seeing this, I sent the money to pay it off and paid extra court costs that were required to remove the Tax lein ( {$690.00} ) Regardless, In XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX it was reported on both My name and spouses credit stating we owe {$290.00} despite mailing several disputes, along with our letters from the XXXX county court and Attorney General Office who both state it was paid and that neither of them are reporting to the burueas. They claim its the bureaus mistake. I recently pulled my credit and it states that this information can not be disputed again due to a fair credit act etc, So they continue to place this off and on my credit over the years and spouse. The report shows I owe {$290.00} and that its unpaid, But As you can see in the letter and I verified again with both the Attorney General and XXXX County via phone as recent as of yesterday XXXX XXXX, XXXX that this was paid and released in XX/XX/XXXX and I was told that it should not be on my credit at all unless showing that is was paid and no longer then 7 years which would have been no later then XXXX XXXX. 
The judgment was paid and released on XXXX/XXXX/XXXX, this XXXX XXXX, XXXX is ( 9 years ) I feel that all XXXX XXXX, XXXX and Experian bureaus has greatly impacted my credit score by there mistake and UNWILLINGNESS to remove this or delete it despite the verification they can obtain from both XXXX County Court and Ohio Attorney Generals office collections Department. I am asking that all three bureaus REMOVE this immediately from both my name and spouses. It was paid and released over 9 years ago and taken off and on our credit, most recently placed on again.
Since XXXX/XXXX/XXXX, someone has been trying to apply for credit cards in my name. 
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 assures me that they have sent 2 letters to Equifax to remove these fraudulent inquiries. XXXX has sent XXXX letter. XXXX is in the process of sending a letter. 
I have spoken to Equifax on several occasions requesting they remove these fraudulent inquiries from my report. I have filed a police report on the XXXX XXXX and XXXX inquiries. Equifax claims they have not received any letters from the credit card companies. They also claim they can not request copies of the police report. I put a 90 day hold on my account with Equifax at the same time as a XXXX hold. XXXX showed the hold, but apparently Equifax either did n't do it, or does n't care, because the XXXX inquiry should have never been allowed without my consent. 

Can you HELP?
Best Buy Credit services have been actively doing inquiries on my credit report on the dates listed below. The card is not active, they closed it in XX/XX/XXXX. Please stop making inquires to my credit report.

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Im reaching back out to you guys because you assisted my with some items on my credit that werent mine. There are still two items on my credit that I know nothing about. XXXX XXXX and XXXX XXXX XXXX This sound like something dealing with some type of medical. Im doing this on my own behalf and have already contacted the FTC and my local police. I have been on my job for over 10 years and have full benefits I have no need to go to the doctor without being able to pay. Please remove these items from my credit.
Equifax added an address to my credit report that is not mine : XXXX, FL XXXX -- -- This IS NOT MY ADDRESS I 've been at the same address for 22 years : XXXX, FL XXXX Also, they have XXXX hard inquiries listed - I have been XXXX for the past 4 years - and I have not applied for ANYTHING ; REMOVE THE illegal inquiries at once! This is my 3rd request to this company - If not, I will file a lawsuit.
Please help me. I have been fighting with Equifax about accounts they report but there is not even enough information to know who the companies are. They are the only ones reporting several medical accounts. None of which I received any type of communication for and I have not been to the doctor in years. I have attached a copy of my credit report showing the items in question and showing that for whatever reason Equifax is the only one reporting false information.
I purchased my home in XXXX and since then have had several different mortgage companies buy out my loan. My credit score has always been near perfect and I have had zero late payments on my mortgage/credit cards. In XX/XX/XXXX Freedom Mortgage bought out my loan and since that date I have had several issues with poor communication on Freedom Mortgage 's part, receiving letters weeks after the date they were apparently written or " sent ''. On XX/XX/XXXX I paid my XX/XX/XXXX mortgage payment- the amount I normally pay each month. This was actually paid early. This amount of money was taken out of my bank account and cleared into Freedom Mortgage companies system on XX/XX/XXXX. Late XXXX I received a notice in the mail stating I did not pay my mortgage for XX/XX/XXXX. After investigating with my bank, it was confirmed that I did. I requested paperwork from both my bank as well as Freedom Mortgage company proving this. Early XXXX I received a notice from Freedom Mortgage stating that my account was now past due and immediately called the customer representative from Freedom Mortgage. She informed me on XX/XX/XXXX that my payment was {$60.00} short due to a change in escrow starting XX/XX/XXXX. I was never notified of this escrow change. I asked where my money was since they cleared it from my bank. They told me its been sitting in an " unapplied balance '' fund. I was told that if I made the additional {$60.00} payment right then, then my account would be up to date. I paid the balance of {$60.00} immediately. My late fees were also waived due to the fact I never received the escrow change notice and my payment was actually " not late ''. On XX/XX/XXXX I received a foreclosure notice in the mail stating that If I didn't pay my mortgage I would be in foreclosure. I immediately called a customer representative again on XX/XX/XXXX and was told my account is completely up to date. He made notes stating that the company needs to stop sending me notices and the payment was made on time and placed into an unapplied balance fund. He also noted that I never received the change in escrow notification that Freedom Mortgage claims to have sent. This customer representative told me that this would not be reported to the credit bureau. When I checked my credit score recently, my score had dropped from nearly perfect to the 600 range. I have never been late on a payment and I even made this particular mortgage payment early, yet they are stating it was over 30 days late. I have tried to dispute this issue twice with their credit reporting agency and each time they state the reporting is accurate and will still stand. I have requested the audio tape were my conversations held with their customer representatives were recorded. They told me they would send those to me as it is my right to have them. After 3 phone calls and several emails I still do not have the audio tape where this information was relayed to me. I would like this inaccurate reporting removed from my credit report.
On XX/XX/2018, I applied to XXXX XXXX for an auto loan. My daughter XXXX XXXX and I applied as co-buyers and were approved for a loan for up to {$35000.00}. 

On XX/XX/XXXX, we went to XXXX XXXX to look at a car that we saw online. 

At the agency, we indicated to the selling agent, XXXX XXXX, that we already had XXXX XXXX financing approved for the vehicle. However, the salesperson indicated that they were going to try to get less expensive financing and asked us to wait until they checked. However, my daughter and I were unaware that they were doing hard credit inquiries as we waited for them to come back, but the sales person, who had our application announced that they were going back to the XXXX  XXXX offer that I brough in since they could not find a better deal for my daughter, XXXX, and we indicated that we told them that from the start -- that we already had XXXX XXXX approval for me at {$35000.00}. We purchased a XXXX XXXX from them. I am attaching the images of the agreements if you need them. 

However, several days later, my daughter, XXXX and I received credit rejection letters regarding financing for the XXXX. Recently, when I looked at my credit report, I was surprised to find two ( 2 ) hard credit inquiries. My daughter found seven ( 7 ) on her credit  report. We are complaining because we don't recall giving XXXX of XXXX any consent or authorizations to do any inquiries, especially hard inquiries, as we already had our financing available with XXXX XXXX, which we processed ourselves. 

I am attaching a copy of the screenshots of mine and my daughter 's hard inquiry information as it appears on our credit bureau report.
XXXX APPLIED FOR A LOAN WITH 1St FRANKIN FINANICAL IN XXXX XXXX, XXXX. THEY APPROVED ME FOR THE LOAN OF AROUND {$600.00}. MY FIRST PAYMENT WAS DUE XX/XX/XXXX AND I WAS UNABLE TO MAKE THAT PAYMENT DUE TO JOB LOSS. THE COMPANY THEN STARTED TO MAKE HARRSING PHONE CALLS TO ME, MY FRIENDS, AND FAMILY. WHILE LOOKING FOR A JOB I REVIEWED MY CREDIT REPORT THAT 1ST FINACIAL MADE, XXXX UNAUTHORIZED HARD INQUIRES ON MY CREDIT REPORT. XXXX WAS ON XXXX XXXX, XXXX AND ANOTHER XXXX ON XXXX XXXX, XXXX. THEY DID N'T HAVE THE APPROVAL FROM ME TO PULL MY CREDIT AT THAT TIME. THEY PULLED DOWN MY CREDIT SCORE AND I THINK THAT IS NOT LEGAL TO PULL MY CREDIT WITHOUT MY CONCENT. I 'M STILL WITHOUT EMPLOYENT AND BY THEM PULLING MY CREDIT WHEN THEY WANT TO JUST BECAUSE THEY HAVE MY INFORMATION IS UNFAIR FOR THE CUSTOMER. THEY ARE REALLY LOWERING MY CHANCES FOR ME TO LAND A JOB BY PULLING MY CREDIT AND LOWERING MY SCORE. I 'M SURE I 'M NOT THE ONLY ONE THIS HAPPENED TO. THIS COMPANY NEEDS TO STOP THE UNFAIR COLLECTION PRACTICES.
Send out 2 section 609 letter but company never send proof has requested but keep reporting accounts on credit report inaccurate copy of letters According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified  accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately Name of Account Account Number 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 Thank you for your prompt assistance in this matter. 
Sincerely XXXX XXXX
I wrote letters to the the Collection Agency on XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, LAST ONE TO THE CREDIT BUREAUS XXXX AND XXXX XXXX ON XXXX XXXX, XXXX. 
PORTFOLIO RECOVERY WROTE ME ON XX/XX/XXXXStating that they got the information correct and the validation of the account in question is Correct BUT Correct to them, But not to me enclose you will find the big mess there is as far as dates are incorrect and inaccurate, open date of the account is wrong, the balance of the account is wrong, also it looks like the statement they sent me which is not correct it seems like they have put together the pages to coordinate one page with the other you will see in my details where I am pointing out the errors and discrepancies. 

since XXXX Portfolio Recovery did not answer me the letters I sent them to clarify all the inaccurate issues, it is over 30 days now. 
it seems to me that because this account was sold to a second party as soon as the other business entity get the account they update the information to make the 7 years that the account will remain in the credit bureaus is longer, there is no documented payments on this account since long ago the account was open in XXXX, just figure out it 's been 7 years already and still wants to punishing me to last this derogatory and negative item until XXXX IS NOT FAIR, WHEN YOU ARE NOT DOING BUSINESS FAIR, WHY WE CONSUMERS WE MUST PUT UP TO THIS KIND OF ABUSES.
I have no change to my credit report, no identity theft complaint, i've made my payments and have no derogatory report with Citibank or any credit cards. Citibank is forcing me to make minimum payment only by punishing me for paying off a larger amount on my card. I made a substantial pament and withing 10 hours they reduced my credit limit therefore hurting my attempts to grow my credit score and to make sure I don't do it again and have to continue making minimum payments. I was punished for doing a good thing. They say it was a " coincidence '' that they ran a report a few hours after paying down my card which is a lie. They now have me fearful of making any more payments larger than the minimum due out of fear I will be punished again by reducing my credit limit.
in  XXXX  or  XXXX  I went to   XXXX   XXXX   for a  XXXX  friday cell phone sale. I purchased a phone in   XXXX   XXXX   (  XXXX  account ) I was told there was a 14 day return policy which has always been the case for cellphone users. Within the  XXXX  I attempted to use the phone but the service was so horrible most of the time I could n't. Within the 14 days i returned the phone to   XXXX   XXXX   and the representative stated to account was clear. Later i get a collection noticed saying i owe  XXXX  dollars for something i no longer own and returned to the store. I Spoke with the collection agency and  XXXX  directly and explained I returned the merchandise and was told i did n't owe anything. I also returned to   XXXX   XXXX   picked up a copy of the return receipt, forwarded it to both companies and was still told I owe the debt some an item that barely worked and returned. The collection company is called  XXXX   XXXX   XXXX . Date opened is  XXXX   XXXX ,  XXXX
I filed a complaint against Transunion due to their verification of a debt issue. The following week, in retribution, they lowered my credit score by XXXX points even though there was absolutely no change in my report. It has been several weeks and they refuse to raise the score to the previous level. I printed the XXXX reports showing the only change was the score and NOTHING else. I thought this process was to help consumers but now feel threatened that companies can harm my credit for complaining about them. I find this frustrating and feel the entire reporting system is broken and needs an overhaul. I pay my bills on time and pay off credit cards every month and yet find my score does n't represent that.
XX/XX/XXXX, I received an email offer which stated if I used Visa Checkout with my Chase Freedom Card, I would receive a {$15.00} credit if I spent at least {$15.00}. I registered with Visa Checkout and made a Best Buy purchase through them on XXXX XXXX, XXXX. It posted on my statement on XX/XX/XXXX. 

I have never received the {$15.00} credit. I have called both Chase Credit Card services and Visa Checkout directly to try and resolve the issue, but I keep getting the runaround from the customer service of both companies. Each company tells me to call the other. I even direct messaged Chase about this on XXXX/XXXX/XXXX and I think even earlier in XX/XX/XXXX or XXXX XXXX. 

This issue has not been resolved, and I do not want to get the runaround on a simple matter anymore.