WillisBack/dataset-financial-user-claim huggingface dataset:
I do not have a contract with RMP. I have asked for validation from this company and have not received one that answers the questions that I have asked. They have only sent me letterhead documents that say that I owe a debt. I have disputed all RMP accounts with all 3 credit bureaus that have shown up on my credit and the credit bureaus continue to state that RMP has validated the information but has not sent me anything that validates that the debt that they are reporting is mine. The credit bureaus have deleted most of the accounts that this company has placed on my credit report because they were unable to verify the accounts and provide me with the information that I requested. I am asking for validation of the account with signed Hipaa document that releases any medical records to this company and a copy of any medical records that this company states that they have. I have requested in writing via certified mail for the following information and still have not received anything I have contacted the following credit bureau ( XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed. I received a response from better business bureau stating that this request has been deleted on XX/XX/2018 but it has not and is still being reported as valid account.
See below the email I sent Lend Key who is now servicing my loan from  XXXX , which was a loan I took to study at  XXXX    XXXX   in  XXXX , Massachusetts.  <P/> " Hello, I am writing this email as I am now aware that Lend Key is the new servciver of my  XXXX  loan.  <P/> I have made on-time consecutive payments with  XXXX  since  XXXX .  <P/> Unfortunately, with the transfer of the loan to Lend Key, my   XX/XX/XXXX   payment of {$170.00} was not made therefore putting my account in a delinquent status.  <P/> I have made the full payment of {$170.00} as of   XX/XX/XXXX  , and have set my account up for automatic electronic withdrawals.  <P/> I would like for you to PLEASE consider removing the delinquent status from my account as it is severely affecting my credit history.  <P/> I understand that you made  three  attempts via email since  XXXX , and multiple phone calls, but unfortunately I did not receive the emails and perceived the phone calls to be " scam '' or " telemarketing '' phone calls.  <P/> Like I said, I have since made payment to rectify the problem and am sincerely hoping that you will look at this case as an exception to the " rule '' in place, as I do not feel at fault for this delinquent status.  <P/> I have made things on my end correct, and am begging you to do so as well.  <P/>  Student Loan Debt  is a serious problem and can cause serious trauma in a person 's life, so please consider this case seriously to remove the delinquent status from my account.  <P/> Thank you for your time and consideration. "
XXXX XXXX 2017 I was threatened with contempt by XXXX XXXX XXXX XXXX 2017 I was served with a Garnishment and Demand for personal Information From XXXX XXXX XXXX to My employer XXXX XXXX XXXX  XXXX XXXX  Is attempting to force my employer to Pay my Debt and levy any and all personal Property and is not satisfied XXXX XXXX XXXX XXXX XXXX  Demands admission From My employer and threatens Litigation
Equifax is still reporting a loan default, that 's over 7-years old on my credit report. They are the only credit reporting agency, that 's keeps on Reporting. This has affected me on purchasing a loan for my lending company, i was denied. XXXX & XXXX did their investigation and deleted it from my credit report already. This has been going on over 4- months. That 's the reason this investigation. Thank you!
I received a letter regarding credit card inactivity from Target for a REDcard. I tried to make a purchase on my card in order keep the account from closing, but XXXX different stores did not accept the card. I called Target last week about the not working card and we found out that the card I was using was unable to be used and they had not sent me a new card. The rep I was talking with was aware of the inactivity closure deadline approaching and assured me they would send me a new card quickly enough for me to have enough time to make a purchase and save the account. I received the card on XX/XX/XXXX. When I called in to activate the card, another rep informed me that the account was closed due to inactivity. I do n't have much time to speak on the phone at my job so I decided to call back another time. I called back today ( XX/XX/XXXX ) and asked the rep to transfer me to her supervisor. The customer service rep hung up the call on me. I could see the direction this interaction was about to go so I decided to file formal complaint with CFPB. 

In short, I would like my account reactivated in order to avoid a hit to my credit score. As explained, I would have been able to save the account but the card came too late, which is the company 's fault.
UNDER THE CREDIT CARD XXXX, I WAS SENT A NEW CARD IN XXXX I NEVER USD IT TILL XXXX TO PURCHASE A WASHER A DRYER I WAS TOLD TO COME INTO THE STORE TO ORDER IT DUE TO THE COMPLEXITY OF THE ORDER I GAVE UP ALL MY INFOMRATIO INCLUDING SOCIAL SECURITY NUMBER AND EMAIL ADDRESS, SINCE THAT TIME, MY CARD HAS BEEN ATEMPTED ON FRAUDULENTLY FOR ONLINE PURCHASES, CASH WITHDRAWALS, REPEATEDLY ; I WAS IN XXXX WHEN THE FIRST TIME IT HAPPENED NOT EVEN XXXX WEEKS AFTER PURCHASING THE WASHER AND DRYER. tHE STORE XXXX PUT ALL MY INFORMATION ON A PIECE OF PAPER IN A BOOK THERE WAS A CASHIER THERE ALSO AT THE TIME, HE PUT THE BOOK UNDER THE REGISTER NOT LOCKED UP REALLY??? HAPPENED RIGHT ON MY BIRTHDAY, XXXX I REQUESTED A NEW CARD, IT HAPPENED AGAIN IN XXXX, AND AGAIN IN XXXX, AFTER RECEIVING THE NEW CARDS. I CONTACTED SYCRONYBANK, NOT MUCH HELP OR FAITH, SAID NO MONEY WAS EVER ACCESSED BECAUSE ALL ATTEMPT WERE DENIED SO THERE WAS NO FRAUD THE MOST RECENT ATTEMPT IN XXXX SHOWD SOMEONE TRYING FROM DELAWARE, VIRGINIA AND TEXAS STORES. I AM PRETTY SURE INSIDE THE XXXX FRAMEWORK, MY INFORMATION HAS BEEN COMPROMISED. I ENDED MY 30 YEAR RELATIONSHIP WITH XXXX AS A RESULT OF THIS, I STILL BELIEVE THE BANK IS FRAUDULENT AND THEY NEVER GAVE ME THE DETAILS OF THE ATTEMTPED USE AS I ASKED IN ANY OF THESE OCCASIONS. I REQUEST THIS BE INVESTIGATED I WILL BE POSTING THIS ON XXXX I REQUEST A WRITTEN RESPONSE IS REQUESTED FROM YOU,,, OH YES WHEN I WENT TO REPORT IT TO THE XXXX POLICE THEY DENIED MY COMPLAINT TO INVESTIGATE AFTER XXXX TOLD ME TO REPORT IT, STATING NOTHING WOULD BE FOUND OUT, REALLY WITH ALL TTHE CAMERAS, AND XXXX KNEW WHERE ALL THE STORES IN XXXX WERE ACCESSED AND WOULD NOT TELL ME ANYTHING AS I WAS GOING TO INVESTIGATE IT MYSELF. I AM SURE I AM NOT THE ONLY XXXX THIS HAS HAPPENED TOO
Equifax ( including XXXX and XXXX ) has not increased my credit score where it should be after items removed, XXXX collections, and XXXX open accounts in good standing. Which brings me to discuss XXXX that has been in dispute all year with no responds or corrects. Equifax states their sore calculations is base on the last 3 years. They state XXXX report on my credit XXXX missed payments, and XXXX missed payments BUT shows a grid that have good standing payments for a year and a half..an the years XXXX in a " XXXX '' ( unknown ) that effects my score. In XXXX and XXXX I was in a program with XXXX XXXX for modification of my mortgage which clearly states that your mortgage will be denied modification if you make any late payments. I completed the program successfully without no late, or missed payments but Equifax, XXXX, and the other XXXX credit bureaus will not correct it. Also Equifax will not remove any and all accounts that 's paid and closed with a XXXX balance..My score should not be XXXX. It should be in the XXXX. Equifax investigation is not including demands for XXXX to explain the " XXXX '' unknown.they have reported and being dispute since XXXX with no results but still Equifax reports it as a negative items that keeps my score down.
I have an inquiry from Barclay 's Bank Delaware that I never inquired about and it is effecting my credit score
This is not my debt. I attempted to contact original debtor ( XXXX XXXX ) but was informed that I needed to resolve this issue with the debt collection agency. I contacted the agency and was advised to complete a dispute.
XXXX.collection account placed on my credit in XXXX of 2015. I have never had a XXXX account and have found several similar instances of this happening with XXXX to people all over the U.S. my cell provider has been XXXX or XXXX for the last ten years. I am considering having my attorney file suit against both XXXX/XXXX and the collection company if they do not get this corrected EXTREMELY QUICKLY.
Chase bank, XXXX Tx I went to cash a check from my employer who banks with Chase. They charged me an {$8.00} fee as I 'm not an account holder with Chase. 
Secondly, my son uses Chase so when he needs money I can not make a cash deposit since I 'm not a Chase customer. I have to write a check or money order to deposit funds into his account. 2 days ago I went to make a deposit into his account but did not have my checkbook so I requested to buy a money order to deposit the funds into his account. They refused to sell me a money order because I am not a Chase customer. 
I had to go to a local store, buy the money order then return to the bank to make this deposit for him. On top of this, the customer service for this office did not seem to care about the major inconvenience and aggravation this caused. 
I understand rules & procedures are made to protect people from depositing cash to fund groups XXXX but to charge a non account holder {$8.00} to cash a check that is drawn by their bank is a penalty to the non account holder. This is an injustice to the American people at which this bank profits THOUSANDS of Dollars every day across the country victimizing non account holders who simply want to cash a check. Denying a non account holder the ability to purchase a money order is POOR customer service and a complete discrimination of non account holders when this bank is open to the General Public.
I have requested my replacement rushcard XXXX paychecks ago and have yet to receive it. I have paid expedited fees and still have yet to receive my card. I have request it XXXX times starting on XXXX XXXX. I have XXXX small children XXXX XXXX XXXX and I can not pay my bills and can barely make it to work. All my money is on that rushcard and I am beyond frustrated hurt upset annoyed and irritated.
I have been affected by the Equifax Data Breach and Equifax has denied me access to my file
Recently signed up for an XXXX store card. However, I was enrolled in a card security program that charges 1.6 % of your monthly balance, without any indication of it during the credit card enrollment process. The only notice I was sent was an email with the notice that I can cancep anytime, without anything telling me how to cancel. If I didn't check my email often, I would have never known I was enrolled in the program. Extremely unfair practice. I was happy using XXXX, now I will pay off my balance immediately and simply use my XXXX  card.
Have been trying to work with my lending company for several months to try resolve my outstanding 2nd mortgage loan. After several calls to the manager in the point of contact office for an accurate payoff amount and not getting any response back for several weeks, I then received a notice of a foreclosure for XXXX XXXX, 2016. I have since called the lending to ask for a postponement where I have a signed purchase and sales agreement in hand with a closing date of XXXX XXXX, 2016. My 2nd mortgage lender is telling me that it is too late and that the foreclosure can not be stopped at this time. All I 'm looking for is a XXXX60 day postponement and the XXXX and 2nd mortgage company will be paid out in full. I feel it is unfair and unreasonable for the 2nd mortgage company not to allow me this time.
cra violation inaccurate information must be removed id theft victim account not mine due to id theft of various names
Quicken loans pulled my credit on XXXX XXXX XXXX. I recently viewed my credit report and saw a hard inquiry from them. I called and gave them my ssn, name, email. They said I had applied for a mortgage loan that I never did. In order to apply they said I would of had to make a username and password in which I do n't. They could n't tell me my username or password either which is how I know I never applied. Would just like this hard inquiry off my report. 
Thank you very much.
Loan Number:XXXX  Bank of America Home Loans From : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it May concerned, I am seeking assistance from Bank of America to help with a modification of my home so, I WONT BECOME HOMELESS ON THE STREETS OF XXXX  . I have the help of XXXX and submitting all of my documents to them. XXXX XXXX XXXX  from the Bank of America Regulatory Department is harassing me with phone calls every week!! I dont understand what is her issue!! She was so disrespectful and nasty towards over a month ago. No one else from BAC has every been very nasty towards me. I am doing my complete best to keep my home. This is the 4th complaint I have made of this lady from Bank of America. This has to stop. Please help me! I am just requesting assistance from the Bank not weekly harassing phone calls. XXXX  representatives are very kind and willing to help me through this process. I have submitted all the documents the Bank needs to modify my loan and lower my mortgage.
In XX/XX/XXXX I had a XXXX XXXX and had XXXX XXXX in 7 months and was not able to work. During this time, I was not receiving my paycheck due to my employer not properly completing my paperwork. I had worked with Navy Federal Credit Union and XXXX XXXX XXXX in XXXX, CA and they agreed to purchase the XXXX XXXX   that I had in XX/XX/XXXX. I was advised that this was an easier way to get rid of the car without a repossession on my credit report due to the fact I have a security clearance with the US government. Once XXXX XXXX obtained the title of the car, I signed the papers that I needed to and left. Flash forward to XX/XX/XXXX. I start to receive notices in the mail that I have a car payment coming due in XX/XX/XXXX, for a car that I have not had for almost 3 years. I call Navy federal and they advise that they had applied the payment that was received from XXXX  to my loan? Which was wrong, and I tell them that I don't have the car and that I am not paying a balance. I have made numerous phone calls and attempts to try to settle this car loan balance and status. All to which, Navy federal agrees that they have messed up the paper work and gave a car to a dealership to include title but the loan wasn't fulfilled! But now all the sudden I am being held responsible for their mistake. I have even tried to offer a settlement to get this off my credit report. I just refinanced my house with XXXX XXXX XXXX we called the settlement and collections department. They talked to us on the phone and we offered them an amount ( XXXX ), to which was denied! I called back to the same person, who said that the next amount they would accept was XXXX XXXX   and the next time I called it was XXXX. I was like what happened to the other amount. When I spoke to them on XX/XX/XXXX for the last time, I was now given another story and run around saying that I am no longer allowed to talk to collections and settlements. I must talk to consumer loans to fix this. And that since my loan is current, there is nothing that they or a supervisor can do for me. I am agitated that this is their mistake, that they have even told me via numerous phone calls. I don't feel that after this long of a time period it should be something that all of the sudden lets try to make her pay a ton of money for it! I will never use them again for anything! I have had the worse experience, very frustrating phone calls, hours and hours long try to resolve an issue that isn't even mine!
I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX/ XXXX XXXX  Duplicate accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX/ XXXX XXXX reneged on our agreement and continued to allow the inaccurate Duplicate information to be reported by XXXX XXXX and XXXX XXXX companies, which consist of duplicate accounts with different account numbers. 1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** 3.XXXX is a agency assigned by XXXX XXXX  and XXXX XXXX to handle this account # XXXX. I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** XXXX XXXX and XXXX XXXX are duplicate accounts with different account numbers to deceitfully confuse the fact that these accounts are the same. ***
I am  XXXX . I suffer from   XXXX   XXXX  . I was working while attending the school that I obtained a loan for. At a certain point my illness had pregressed to the point that I could no longer work, support myself and pay the loan. I applied and subsequently recieved relief under hardship. This creditor had been fully informed every step of the way. They have not only reported me with the  XXXX  credit reporting agencies as having missed payments, but have also reported the same on my  XXXX  credit reports. She co-signed the loans. She too recieved relief under Hardship. She too is  XXXX . Our only source of income is   XXXX   XXXX   ( each ). I deny making late payments prior to my acute  XXXX  and before informing the creditor of my condition or that of my  XXXX . I believe the current conduct of this creditor is of a retaliatory nature for our inability to pay the loan. Please not the the loan was paid off under the hardship program. We owe them nothing. We also contend that these loans were re-aged so this creditor can continue to report negative credit to the  XXXX  major credit reporting agencies.
I have made repeated phone calls to Huntington, to set up a payment plan and to find out the amounts owed on the debt. In XX/XX/XXXXmy balance on my credit report said {$890.00}, I was told I had to pay an initial {$200.00} in order to set up a payment plan to which I would pay at least {$50.00} each month by the XXXX of every month. I have since paid at least {$50.00} if not more a month. I have pulled my credit report and watched the dollar amount I owe decrease every time. I called 2 months to attempt to settle the debt because according to the credit reports I pulled it was under {$200.00} left on the credit. The gentleman I spoke to then was argumentative, could not explain how or why the credit report was reporting a lesser amount then what Huntington is saying I owe. I asked for a copy of my proof of payment they have and he agreed to send it, but I never received it. In attempt to make my final payment and get the negative debt off of my credit report completely I sent a pay to delete letter to Huntington on XX/XX/XXXX stating that I would pay the balance of {$32.00} to erase the debt. On my credit reports that is what the balance shows. I received a letter stating my balance is {$700.00}. I have explained that no letters have been sent stating a balance other than the letter that was just sent XX/XX/XXXX. Since they have continuously reported to the credit bureaus every single month if it was some sort of mistake it should have been caught a long time ago. It is a drastic amount from the {$32.00} balance this month that they have reported the balance to the credit bureau versus the {$700.00} they are now stating that I owe. I spoke to 2 people onXX/XX/XXXX from Huntington, 1 could not give me any answer and to why it is 2 balances and Huntington has incorrectly reported, I asked for a manager she told me it could possibly be because they do not report to the credit bureau every month. When I stated according the reports I have pulled, it updates every month she placed me on hold. After waiting several minutes she came back and informed me that yes they do report every month but still could not give an explanation for why this balance is coming up incorrectly every month. I refuse to pay an amount other than what is on my credit report.
we calle d Wells Fargo to  get a payoff in full amount to pay of the mortgage, paid it off on Tuesday  X/XX/17    to get a phone call from them telling us it was about   XXXX short!!!! !!!   Then we pay that and they charge a fee!!!!!!!!!! of  XXXX !   we are so glad to be done with this horrible company.
I was receiving 2-5 calls per day. After asking them nicely to stop, the calls continued. I blocked at least 5 of their numbers but new numbers continue to call me.
I am disputing this collection and explained that to XXXX different callers from this company. I asked them to not call again. Now they call at least XXXX times a day and then hang up. The last phone call they called, someone breathed heavily on the line, and then they hung up.
I went to XXXX XXXX dealership on XXXX XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XXXX XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XXXX XXXX, I call the XXXX dealership and they said they could not remove these inquiries from my credit report. XXXX made car loans applications on my behalf without me knowing. I also called the financial institutions XXXX made these applications to. XXXX and Capitalone financial departments opened cases to look into this situation. XXXX XXXX and XXXX department refused to, claiming they could not do anything.
I have a discovery card account that was fraud. I have filled out a FTC form to dispute this account.
Equifax is still reporting a Debt Collection that is no longer open and has been requested for a deletion by XXXX XXXX XXXX, XXXX. This was requested on or aroundXX/XX/XXXX. This is a direct violation of the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). As follows is a copy of information received from XXXX XXXX XXXX, XXXX following compliant ID # XXXX. 
This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau. The account in question was referred to our office for collection in XX/XX/XXXX. As you had requested, verification of the obligation was mailed to your home address in Texas on XX/XX/XXXX. In light of your dispute of the underlying obligation, we have closed this file and returned it to our client. As such, you will not receive any further communication from our office concerning this matter. Additionally, we have instructed the credit reporting agencies to delete any update we may have placed on your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Managing Member/General Counsel XXXX XXXX XXXX