WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XXXX XXXX I completed a Loan Rehabiliation program with XXXX XXXX and the US Dept of Education to successfully bring my student loans out of a default status and into a current status. 

As part of completing the program, I was advised that any derogatory information tied to the old accounts would be removed from my credit report and replaced with a new account that does not have any negative remarks from the past. 

On XXXX/XXXX/XXXX - I sent a special written request directly to XXXX. 

In whole, it stated : { { { { { Regarding Account # XXXX Account # XXXX I 'd like to bring to your attention an error with your reporting of a rehabilitated student loan. I have previously disputed this reporting with all three major credit reporting bureaus on several occasions. Specifically, I am expecting the deletion of derogatory credit reporting on any William D. Ford Federal Direct Loan ( Direct Loan ) Program and Federal Family Education Loan ( FFEL ) Program - as specified in the terms of the Higher Education act and the Department of Education. 

Specifically, it says : To rehabilitate a defaulted Direct Loan or FFEL Program loan, you must agree in writing to make nine voluntary, reasonable, and affordable monthly payments ( as determined by your loan holder ) within 20 days of the due date, and make all nine payments during a period of 10 consecutive months.

Benefit : When your loan is rehabilitated, the default status will be removed from your loan, and collection of payments through wage garnishment or Treasury offset will stop. Youll regain eligibility for benefits that were available on the loan before you defaulted, such as deferment, forbearance, a choice of repayment plans, and loan forgiveness, and youll be eligible to receive federal student aid. Also, the record of default on the rehabilitated loan will be removed from your credit history. 

Therefore, I respectfully request you address my concerns here. I have enclosed copies of my credit reports highlighting the incorrect loans that keep getting verified as correct after a credit bureau investigation. For your records, this loan rehabilitation was completed by me early in XXXX, therefore I suspect ample time has gone by for you to correct your records. Kindly respond promptly. } } } } I have yet to receive a response from them after nearly 60 days and continue to have negative information on my credit report adversely affect me.
I TOOK OUT A CREDIT CARD WITH DISCOVER IN WHICH THEY STATED THAT THEY WOULD LOWER THE INTEREST RATE AFTER A YEAR AND FRANKLY ARE LYING TO THE CUSTOMERS AND THEN THEY GIVE YOU A SHORT PERIOD OF TIME WITH A LOW INTEREST RATE AND THEN IMMEDIATELY GO STRAIGHT TO THE HIGHEST INTEREST RATE THAT THEY CAN CHARGE.

I RECEIVED A XXXX XXXX CREDIT CARD WHICH THEY ADVERTISED A 0 % INTEREST RATE AND THEN WHAT THEY DO NOT TELL YOU IS THAT YOU CAN NOT TRANSFER FUNDS WITH THAT GOOD INTEREST RATE. AT LEAST THATS WHAT I WAS TOLD TODAY. A WEEK AGO, IT WAS A DIFFERENT STORY.

TRUMP HAS GIVEN THESE CREDIT CARD COMPANIES FULL REIGN AND WE ARE SICK OF THEM ADVERTISING THINGS THAT ARE FRANKLY FALSE ADVERTISING AND LYING TO T HE CONSUMER. THIS NEEDS TO BE INVESTIGATED. THE INTEREST RATE AT DISCOVER IS CLOSE TO {$90.00} PER MONTH AND I PAY WAY MORE EVERY MONTH AND THEY JUST KEEPING RAISING THE INTEREST RATE, WHY, BECAUSE TRUMP SAID THEY COULD AND SO HELP ME GOD COME XX/XX/XXXXTHE REPUBLICANS ARE OUT AND TRUMP WILL BE GONE. I AM DONE WITH THIS FALSE ADVERTISING AND THE ALL CORPORATIONS ARE DOING IT AND WE ARE XXXX XXXX  SICK OF IT. I'M PUTTING THIS INFORMATION OUT ON XXXX   AND XXXX BECAUSE THESE CREDIT CARD COMPANIES ARE OUT OF CONTROL AND NEED TO STOPPED.

I AM SICK OF CORPORATIONS LYING BECAUSE THE PRESIDENT DOES EVERY XXXX DAY. HE DOESN'T KNOW HOW TO TELL THE TRUTH AND ITS DAMAGED THE PEOPLE IN THIS COUNTRY AND HE WILL GO BY IMPEACHMENT OR BY CRIMINAL ACTIONS OF HIS OWN DOING.
There was an old account appearing on my credit file with XXXX from XX/XX/2013and now this account appears as a new account with some company named XXXX  showing opened this year just a few months ago. It's re-aging an item that is hitting my scores hard.
I try to apply for a loan through Credit Acceptance through XXXX XXXX   XXXX in XXXX PA I'm trying to own Virtues  Of All XXXX XXXX XXXX through credit exception got denied trying to purchase a cartoon XXXX   forwarding and XXXX got the nine got them you tried to apply for XXXX XXXX XXXX got the nine any new places here in XXXX  PA the XXXX XXXX XXXX and purchasing a vehicle all because of XXXX XXXX XXXX XXXX XXXX and some more and some other more with my real to talk to someone over the phone about it XXXX XXXX denied me of a XXXX XXXX XXXX or XXXX XXXX a XXXX XXXX
XX/XX/2018, financing a new car. Done it several times before, it's a familiar if detail-intensive and at times exasperating process. Just need to go through all the steps, right? 
WRONG! There's a new step I'd never imagined : EQUIFAX. After their massive security breach A YEAR AGO I activated a security freeze. Now I need to unfreeze it temporarily. No big deal, right? But today, a Saturday, the weekend day when more cars are sold than any other day, it was IMPOSSIBLE to lift the EQUIFAX credit freeze. Their website DOES NOT WORK. Not a new problem! A year after their data breach and they STILL CAN'T GET THEIR WEBSITE TO WORK! How much is this hurting the auto industry? 
Why can't the Trump Admin DO SOMETHING like SHUTTER EQUIFAX? ( rhetorical ) I'm so mad I can't see straight. The deal it's took weeks to find will be gone by Monday. And EQUIFAX is the reason.
I was divorced XXXX 2014. Because of my divorce, I suffered financial hardship. I applied for a loan modification. As part of the loan modification process, I submitted my divorce decree, copy of my quit claim deed, and supporting income to show I qualified for the loan. I was approved for an FHA HAMP Modification Loan with ONLY my signature. The divorce decree stated that I would need to have my ex-husband 's name removed from the loan. I was told by the lender that after the modification was finalized then I could fill out the appropriate paperwork to assume the loan. Now, I am being told by the lender that I do not qualify for the assumption because of my " poor credit with them ''. I have poor credit with them because they told me that I would have to be 3 months behind on my mortgage to qualify. Since that time, I have met all the partial and trial payments that they have requested. I am the ONLY one that is paying this mortgage. If I do not get an assumption, then I will be forced to sell the house ( per court order - which the lender had prior to approval of modification ) or I will be in contempt of court. Since I ca n't sell the house for the amount that I owe, then both the government that secured the modification and myself will end up with a loss. The only one that will benefit is the lender. I am not trying to pass on my hardship/modified terms to someone else. I just want to have my ex-husband 's name removed from the loan.
On XX/XX/2018 I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. Additionally, I am allowed under Health Insurance Portability Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be reveled with the patients authorization. Therefore, my request is twofold- validation of debt and HIPAA authorization.
This company is the second mortgage lien holder on our home and do not have or will not provide a copy of the mortgage note to the first lien holder at my request. They were contacted in the beginning of XXXX XXXX with a request for a subordination and a copy of the note. The first lien holder paid for the documents on XXXX XXXX XXXX and received the subordination in late XXXX. We are still waiting for them to receive a copy of the actual note. When I call them time and again, I am placed on hold for extended periods of time then told to call another department and get the same results. 

If this company does not have a copy of the note, what are our options? I understand that by law, they have to have a copy on file.
Please be advised that I've taken numerous steps to have " Experian '' to correct items on my credit file. However, time and time again Experian has choose to ignore federal law. On or before XX/XX/2018. I've written to Experian expressing my frustration with them not following correct procedures to properly investigate. Incomplete, erroneous, misleading, and out dated/ old account that are way beyond their Statue of limitations in my state of New York XXXX But they refuse to adhere the law by removing or delete these accounts.
I received a notice of late payment on my credit report from Nelnet. When going in to details on why I have not received my statements it was because they had a wrong address on file as to why I could not receiving statement. I contacted Nelnet n XX/XX/2018 thru CEO XXXX XXXX no response from him and Customer Service Solutions asking for my credit report and then nothing.
hello i am in the process of registering a complaint again, about a matter that has been either overlooked or has not been addressed to the right people. to get the correct personal advice or action taken about this complaint.i know now that it is not fair to me and is a violation of my legal rights, or a trick just too get money out of a XXXX person that had too stop working because of a accidental household injury.. it is interfering with my lifestyle and i want the complaint registered until i get some information or feedback about it.,,, thank you XXXX, XXXX,
Seterus has kept providing more and more roadblocks to me being able to call in and do business with them. Now, they will not speak with me and will only transfer me to a XXXX. I do not have a call back phone number and XXXX has never answered her phone when I 've called or been transferred to her. 

In addition, a supervisor named XXXX said that she intends on locking down my account so that I ca n't call in and make payments anymore. She said it 's because I filed a CFPB complaint against their company, which I do n't believe retaliatory behavior is lawful.
Amazon Credit Card via Synchrony Bank continues to reduce my credit line despite the fact, I pay my account timely and without issues. This continues to impede my credit score and su ggest my account is over the limit. It 's wrong to decrease my line of credit albeit, I 've paid my bills on time with this banks.
In correspondence dated XX/XX/XXXX I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, this company is claiming that the items I disputed have been verified ACCURATE and CORRECT which is not true. The XXXX account is fraudulent sent XXXX a copy of my FTC AFFIDAVIT, NOTARIZED, a police report filed my IDs and letters requesting the account to be removed and blocked. XXXX 's confirmed that they received all these documents last XX/XX/XXXX and still is under investigation. So why claim that this item has been verified, correct and accurate??? Not removing this item is a direct violation of FCRA 605B. For the XXXX XXXX account, Sent them a debt validation request, same date. Instead of sending me validation documents, they sent me a collection letter asking me to pay an amount that has already been paid. THESE ARE VIOLATIONS of FCRA and FDCPA by the credit repositories and the creditors. My rights to fairly acquire credit has been taken away by these companies!
the customer service is horrible she doe snot understand what i ask gives me rong balance van not tell me what interest needs to be credited. which i do need. if i catn get interest back i cant use the card. 
i have XXXX bills and am a loyal cusotmer please help or i am not able to use all my cards with you. XXXX XXXX does this and moreplease train yuour customer service reps to speak XXXX welli will not put up with breakdowns and other losses. and scriptsalso i need to dispute the XXXX dolar charge from XXXX from mcsonalds. please hve someone follow up who can communicat effectivelynot staying on the phone for hours begging for interest. i am a good customer who does not want to bear interest based on my record if you inssist i cant use the cards any of them
Received communication from XXXX XXXX XXXX ( XXXX ) stating I owed them for a defaulted private student loan through Peaks for attendance at XXXX XXXX, XXXX, SC. I requested debt validation because I never applied for a private student loan while attending XXXX. ERS provided me with a copy of an application/loan agreement that was e signed on XX/XX/XXXX. The enrollment period for the loan was XX/XX/XXXX to XX/XX/XXXX as listed on application. My last day at the school was XXXX/XXXX/2010. I provided an official letter from the school 's registrar that certified my dates of attendance from XX/XX/XXXX to XX/XX/XXXX. It is apparent that someone fraudulently applied for a loan for a periods of time when I was not enrolled at XXXX. These negative actions have ruined my credit as they are reporting as a defaulted loan in collections that continues to update monthly. I had no knowledge of this loan or its collections status until contacted by ERS. I faxed information to ERS to investigate and am awaiting a response to what the corrective action will be based on documents they provided. Peaks Fist Associates the original lender have no record of this loan and referred me to back to ERS.
I 've disputed this information 5 times already with the CRAs and I 'm receiving letters stating that they will no longer investigate even though I am providing clear and detailed information on what I am disputing, reasons and inaccuracies. I 've even included the actual figures on the reports that are inaccurate and month and after month nothing changes! How is this even legal??? 
*Please see letter attached for account disputes *I 've included credit report for comparison of disputes vs. reported information
I have had continual problems with a XXXX XXXX credit card I am a co-signor on. I have filed numerous complaints over the last few years relating to the identical issues. 
1. XXXX XXXX reports inaccurate information 2. XXXX XXXX again has reported inaccurate information on my credit report 3. XXXX XXXX does not respond timely to my complaints 4. XXXX XXXX has admitted to errors in the past but still does not correct these errors 5. I have documents factual proof from past issues and this current problem Current and newest problem : Requesting an EXPEDITED Resolution for the following reasons : -XXXX XXXX has reported a credit card in my name as ( 30 ) days Late for XX/XX/XXXX - I have irrefutable proof XXXX XXXX reported the above account as late inaccurately attached is a copy of my XXXX credit report from XX/XX/XXXX and a copy of my XXXX XXXX statement dated XX/XX/XXXX showing a balance of {$120.00} and paid on time, NOT {$4700.00} - XX/XX/XXXX event reports the date of last update as XX/XX/XXXX THIS IS MORE PROOF OF XXXX XXXX CONTINUALLY MAKING ERRORS
XXXX/XXXX/XXXX Amsher collections said I owed XXXX XXXX which I did n't once I proved I did n't owe the amount they sent the debt to another company XXXX the amount is XXXX
I've wrote several letters to Equifax about an account that's fraudulent on my credit report, which has yet to be removed. This has hindered me from purchasing a home for my family.
The hospital never submitted an invoice to my insurance company, and they eventually sent it to a dept collector, i reached out to the dept collection agency and disputed this bill, since my insurance would pay any bill 100 % complete. 

I spoke to my insurance company and they have reached out to the hospital 's billing dept to back pay this bill, and i've requested for the dept collector to remove it and they refused to until, they receive a written agreement from XXXX XXXX. 

They have severally damaged my credit behind this matter. I just recently realized this XX/XX/XXXX bill was not token care of, but only because of my credit report. 

I've disputed this matter numerous of times within XX/XX/XXXX year via XXXX, XXXX, XXXX, etc
I am receiving calls in error. I have told the company they have the wrong number but they continue to call. I gave them my number and was told they would not call but they continue to call and threaten me with legal action. I am not the person they are calling for and do not know the person they are calling for.
This is another complaint with equifax and has to do with my other complaint Case number : XXXX why are they reinvestigating that account with the furnisher? are there any humans working there? the dispute is with EQ not the furnisher. EQ allowed previously deleted collections account with XXXX to be reinstated without notifying me and breaking the law. Are there any humans working at the CFPB? it seems EQ and CFPB JUST USE AUTOMATED SYSTEMS TO ANSWER EACH OTHER. THEIR RESPONSE IS REINVESTIGATE. WHICH IN 30 DAYS WILL COME BACK AS VERIFIED. WHEN THAT IS NOT MY COMPLAINT. MY COMPLAINT IS WITH EQ NOT XXXX. BUT YOU LET THEM GET AWAY WITH IT. NOT ADDRESSING THE COMPLAINT FILED. IM A XXXX VET AND IM GETTING TIRED OF THE RUN AROUND. MAYBE ILL WRIGHT A LETTER TO PRESIDENT OBAMA BEFORE HE LEAVES OFFICE. HE CARES FOR VETS. THIS IS WHAT THE FCRA SAYS ABOUT DELETED ACCOUNTS. TELL EQ IF THEY DONT REMOVE THAT ACCOUNT IN 1 WEEK IM GOING TO SUE THEM FOR BREAKING THE FCRA LAWS. 

( ( B ) Requirements relating to reinsertion of previously deleted material. 

( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion
This agency just added a new collection on my credit file. This is unknown, inaccurate and I did dispute and request validation and nothing again received.
I have sent Trans Union numerous requests asking them to please investigate and correct some accounts in my credit report/file that are reporting incorrectly and they are not responding.
Earlier this year, I left the rate reduction program because I was unable to make those payments after losing my job. I was then called by a Navient employee who enrolled me in an interest only program where my payments would be {$35.00} a month. I have been making these payments on time for the last couple of months, but recently have been receiving non stop harassing phone calls telling me that I still owe more. I spoke with a Navient employee today and she said I was somehow entered into the program incorrectly. I don't understand how this can happen. It's extremely frustrating to deal with these people because nobody knows how to fix it, yet my phone rings day in and out.
I am a XXXX  that qualifies for the public servant loan forgiveness program. I am trying to find out how many qualifying payments I have made toward the 120 required payments. I called in XXXX of 2016 to get an answer and have called repeatedly with no success. They keep telling me that they working on finding out, but my file is still pending.
I already submitted a cfpb complaint pertaining to this issue. The issue is reporting and how much inaccuracies there are. As a creditor you have an obligation to report accurate information that is 100 percent verifiable. This is not the case. Instead of saying you have to report accurate information and can not remove. You should read the Fair Credit Reporting Act it clearly lays out that if information is not 100 percent verifiable it has to be removed. The irony of your company saying it has to report accurate information when clearly you can see in the credit reports that is not the case. Just look at the attachments. XX/XX/XXXX has a MAXIMUM DELINQUENCY of 120 days between XX/XX/XXXX and XX/XX/XXXX, but on Experian the delinquency are 180 days between XX/XX/XXXX and XX/XX/XXXX. If my elementary school taught me anything 180-120=60. That is a 60 day difference in the reporting also know as two months. Also the original charge off was {$3600.00}, then your company updated it to {$2800.00}. Why did you update the number to a dollar amount that no statement has. XXXX settled with me for {$1500.00} dollars as you can see on the settlement papers I already paid {$1000.00} so back to elementary school XXXX. Which is one more payment which I will not be making till this is resolved. Removal of your account from my credit report is not an option its an obligation you have inaccurate reporting and which ever way you try to spin it doesn't change. I have all the documentation i just want this resolved. The CRA will remove this account one way or the other, it doesn't take a banker to figure out that your company was negligentful in the reporting. You can either remove this account after an " investigation '' a child could do, or I will be mailing you guys ligation papers, and will be seeing you in court. The law is quite clear on your obligations. Also I have documentation of your company having a system error on XX/XX/XXXX. XXXX has confirmed this and your customer service has confirmed this. How does a XXXX dollar company not keep a small credit card account in order? I am not going to waste my time going back and forth with your company so either this is removed at your own accord or through a court ruling.Just take a look at the attachments and you will clearly see your company is in the wrong. This is no ambiguity in this case, just clear cut.