WillisBack/dataset-financial-user-claim huggingface dataset:
This company license has expired and they are reporting on my credit report. In order to collect you need a license that 's not expired. I 'm requesting they remove debt from my report.
Per CFPB - The proposed judgment against the XXXX XXXX XXXX XXXX XXXX has been filed with the U.S. District Court for the District of Delaware, and it is effective only if approved by the presiding judge. The consent order is effective immediately. 

Under the Dodd-Frank Act, the Bureau has the authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the proposed final judgment and consent order, the Bureau is requiring the companies to : Stop filing collections lawsuits on debt that can no longer legally be sued over : Statutes of limitation limit the amount of time an individual or company can go after someone in court for a debt that is allegedly owed. Under the terms of the proposed final judgment and the consent order, the companies are prohibited from tying consumers up in litigation after the expiration of the applicable statute of limitations. 
Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. 

XXXX XXXX XXXX XXXX XXXX continues to pursue and collect debt by filing a civil lawsuit with the Superior court of the state of Arizona - Through the Gurstel Law Firm PC - XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 

Per court documents, all collection attempts should ceases until a 100 % audit of all cases are completed. 

I am currently continue to be served papers for court proceedings for case No. XXXX
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I contacted the FTC and the police and Im doing this on my own behalf.
I am trying to resolve an issue i have with Navy Federal. My checking account was closed due to an excessive overdraft that i didn't authorize. My debit card was used to withdraw funds that weren't available but were approved by my bank. I've reached out to the via phone an mail after i tried to open a new account but was denied due to those fraudulent transactions that caused my checking account to be closed. I don't want that account to be reported to XXXX or added as a derogatory account on my credit report. I have researched others who've had similar issues and became aware of other customers with this problem as well as having their Navy Federal accounts hacked by others.
I took out a private student loan from Sallie Mae beginning in the XXXX School Year. My mother assisted me through the loan process because I was only XXXX years old at the time. We were told by Sallie Mae that we should take out one loan in Semester Increments in order to keep loan costs to a minimum and that I would not need to worry about repayment until after graduation. We were instructed to reapply each semester for the money needed for that semester, but that the money we were lended was only part of one total loan amount. Fast forward to graduation in 2009, when my loan came into repayment. I very sadly discovered that we had been deceived by Sallie Mae. The money I was lended each semester was not part of one loan but, XXXX separate loans with their own flexible interest amounts attached to each one! In my dismay, I had {$89000.00} dollars in debt dispersed between all these loans! That dishonesty on their part has made it nearly impossible to pay off these loans! Right out of college I began making large payments on the loans, but Sallie Mae would not allow me to make overpayments to specific loans. I spoke to them on multiple occassions in between XXXX and they said that they had to divide the payments equally between all the loans and that I could not specify an over-payment to one specific loan. This dishonesty also has made it nearly impossible to pay done the principal amounts. 

I have also had to call for assistance with optional repayment plans due to health issues and my husband 's job loss in between XXXX. I told my only options were forbearance or interest only payments. Sallie Mae advertised that they had income flexible payments, but they did not hold true to that either. 

I now have experienced XXXX XXXX and chronic XXXX XXXX over the past XXXX years and our finances are in disarray due to the dishonest gain of Sallie Mae/ Navient. We never defaulted on our loans and we still own almost $ 45,000.Our monthly payments are {$540.00} dollars each month and we struggle just to make ends meet. I am not eligible for total disability, so there is no option for forgiveness in my case. I am not healthy enough to work more than one day each week, but there is no end in sight to these loans. I just wish Sallie Mae had been honest with us. I would have never done business with them!
I looked at my credit report and noticed a total of XXXX credit inquiries, i never authorized the hard inquiries and was told several time by both dealerships that there would not be a hard pull on my credit. this was on the XXXX of XXXX. i told them several times do not run my credit hard pull without my permission and they did it anyways. I also had a similar problem on the XXXX  of XXXX from XXXX XXXX XXXX where they ran my credit countless times without my permission.
I have submitted all info in reference to many accounts and inquiries opened in my name. I have provided police report, FTC affidavit, copy of my driver 's license, social security card, bill, etc. I have advised them that many of these accounts, broken lease ( which I have provided to XXXX properties ), inquiries, etc are not mine. I am livid, XXXX off that I have done what I need to do, provided information, etc and still have not gotten correct remedies to the situation. I have attempted to reach out to these companies and have been advised that my information was used and provided ( hence the reason I have obtained a police report and FTC affidavit ). I should ONLY have inquiry fom XXXX XXXX XXXX of XXXX, XXXX, XXXX and XXXX 2016 this is it ... XXXX Properties was opened fraudulently in my name as I lived and have provided info to this company that I lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, and have only had a XXXX XXXX. This is ridiculous as these companies are ignoring the fact that I have provided and stated this is fraudulent and are still reporting this on my Credit Bureau Report with no help from the reporting agency.
Hello, Huntington National Bank is currently offering a promotion where, if you make {$15000.00} in deposits, they will credit you {$500.00}. Having the money to spare, I opened an account in attempt to satisfy these requirements. 

On XX/XX/2018 I sent the first {$7500.00} and on XX/XX/XXXX I sent {$7500.00}, both times from my personal XXXX checking account. 

On both occasions, after the funds had posted to the Huntington account, I withdrew the money to send back to myself. In hindsight, I realize this was probably not the best choice of action and was likely to raise a red flag, but because the promotional offer involved moving large sums of money I did not think twice. 

Huntington will not let me access my account after flagging it as possible identity theft. They want me to come into branch with ID which is no problem except I live in CA and their branches are in the XXXX, over a thousand miles away. 

Thank you
I updated my information. The debt was charged, paid off years ago. I paid off the credit card myself. I am no longer employed now for 7 years. They say on the site i am still working which is untrue. I dont live at those addresses on the site, they say i do. The information is all untrue. Please remove the old debt off of the credit bureaus from all three. XXXX, XXXX, and XXXX.
company is on my credit report for unpaid XXXX charges. I have always had insurance and i have called for information on this account and can not get information off my report..I have filed several disputes. I have never used this facility and I have always had insurance.
XXXX   XXXX  I applied for a secured credit card  ( S ecured  Visa ) with US Ba nk. This secured card is specifically marketed to individuals with less than average or poor credit to assist them with improving thei r credit score.  As with most secured cards, applicants must transfer/provide the full amount of their credit line as a deposit for the card.      XXXX / XXXX /  XXXX   : I received notice from USBank stating that my application was not approved at this time due to " Your debt to income ratio exceeds established maximum guidelines. The total monthly income amount recorded on your app was {$2500.00}. The monthly housing payment recorded on your application was {$0.00} ''.     The notice further states for me to call them if my housing payment is not accurate.     My complaint is as follow  s : 1. The notice suggests I was denied for not having a monthly housing expense, which is unfair considering the home I live in is paid off and I live with my mother.
2. Any individual with poor credit will have a high debt to income ratio which is why such individuals apply for secured cards. Therefore, this particular card should not exclusively use credit as a factor.
3. I called US Bank 's customer service line and spoke with an unfriendly representative. She stated that ratio guidelines were set by the federal government. I then asked her what was the maximum according to those guidelines and she responded that the information was confidential. Confidential federal guidelines?
4. If delinquent accounts or poor credit history is a factor, credit companies ALWAYS state so as the reason for the denial. That was not the case with this application, leading me to believe that there are other biased factors that may contribute to the denial of a SECURED card requiring full deposit of the credit limit requested and may require federal investigation.
5. Whether US Bank uses federal guidelines or their own, that is critical information that should be provided to any consumer requesting approval, especially if the consumer is suffering from poor credit and specifically seeking to restore such credit. The hard inquiry also means a point reduction in credit score making any preventable denial a disservice to the consumer.
6. US Bank had internally decided to discontinue the card prior to the denial of my application. I believe this to be the real reason my application was denied. The card is also no longer being offered.
I took out private loans from XXXX to XXXX to pay for tuition and board for college. In all, the loans totaled about {$95000.00}. After graduating in XXXX I was unable to find work, so I called navient ( Sallie Mae at the time ) and the only option they presented me was to go into forbearance. I did this for the maximum allowed of two years. After the forbearance, I contacted them again and the only option they offered was to increase my term from 15 years to 30. So after making payments since XXXX, my principle balance is still higher than my original principle.
XXXX XXXX closed my account without any notice / warning due to " Inactivity, '' and it dropped my credit score 7 points ( 4 pts with Trans Union, and 3 pts with XXXX ) I understand that if I close an account that it will have a negative impact on my credit score. In a case where the creditor closes an account in excellent standing because the card holder is being responsible, and keeping the card for emergencies only ( At 26.99 % APR ) it seems extremely unfair to penalize the cardholder. As I said, there wasn't even a hint that XXXX XXXX was closing the account. I work very hard to maintain an excellent credit rating, as is reflected in my report, and I find it very disturbing that a creditor can undo that, despite having had no issues other than " Inactivity. '' I have contacted both XXXX and Trans Union about this issue, and was told that there is nothing they can do because it was " A change to my account, '' regardless of who caused it.
I PULLED MY CREDIT FILE BACK IN XX/XX/2018 AND SEEN SEVERAL ITEMS ON IT THAT WERE NOT MINE, I CALLED THE CREDIT UNION DIRECTLY AND THEY WERE NO HELP AT ALL, I CALLED XXXX  AND XXXX, XXXX AND FILED A DISPUTED WITH THEM AND EVERYTHING CAME OFF EXCEPT XXXX. I CALLED AND TALKED TO THE FRAUD DISPUTE TEAM AND EVEN FAXED IN MY POLICE REPORT AND THEY STATED TO ME IT WILL COME OFF ASAP AND THE ACCOUNTS WILL BE BLOCKED. NEVER HAPPENED AND NOW MY HOME LENDER IS CALLING MY HOME NOTE IN DUE TO THIS PROBLEM. NOW THERES ADDRESS IN SOUTH CAROLINA POPPING UP ON MY FILE WITH XXXX. I CALL DAILEY BUT NO HELP. I HAVE ATTACHED MY UPDATED POLICE REPORT THATS BEEN VERIFIED WITH THE OFFICE OF THE CONSUMER AFFAIRS. PLEASE HELP OR I'LL SEEK LEGAL ACTION.
I was contacted by Meragon Fianancial regarding a debt to XXXX for annual maintenance fees. Since my time share is bi-annual, I do not believe that I owe this debt every year. I requested a copy of the contract to prove that the debt was valid on XXXX different occasions. Meragon Financial provided me with a copy of the deed and HOA but did not provide a copy of the contract to prove that the debt was owed every year versus every other year. I contacted XXXX XXXX of Meragon and he told me that XXXX does not have a copy of the contract and they do not have to prove I owe it. I explained that I am more than happy to pay this debt if I do owe however, I need a copy of the original contract to prove it is a valid debt. He refused saying that they did not need to prove anything.
On XX/XX/XXXX, I received and email stating my new card was on it 's way. On XX/XX/XXXX, I was resetting my password for my Capital One savings account when I saw 2 usernames linked to my email address. The second email address : " XXXX '' was not an account that I opened. I called Capital One savings customer service and was transferred to their fraud department. The representative in the fraud department deactivated the fraudulent online account and forwarded my case for investigation by Capital One. The representative told me that the charges were not my responsibility, because they were not made by me and to wait for a letter from Capital One. I activated the 90 day fraud alert and waited for the result of the investigation from Capital One. On XX/XX/XXXX, I received 2 letters from Capital One dated XX/XX/XXXX. One letter stated in " As part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges. '' The second letter listed all the fraudulent charges as not fraudulent and I was being held responsible for the charges : XXXX XXXX, XXXX, XXXX, XXXX, XXXX in the amounts of {$54.00} ; {$190.00} ; {$200.00} ; {$200.00} ; {$220.00} ; {$320.00} ; {$340.00} ; {$380.00} ; {$390.00} ; {$400.00} ; {$1300.00} ; {$1400.00} ; {$1800.00} ; {$2400.00}. I never received or activated the Capital One credit card, because it never arrived. A false online account was opened at Capital One, which I assume is related to the missing card. I would like to know how the card was able to be used when I never received nor activated it and how it was possible for a fraudulent online account to be opened. I do n't even know my credit card number. How was information I only sent to Capital One obtained by a third party who fraudulently activated my credit card and opened a fraudulent online Capital One account? Thank you.
Trans Union XXXX XXXX XXXX XXXX XXXX, Pa XXXX Date XX/XX/18 RE : XXXX XXXX XXXX Acct # XXXX To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
I have refinanced my mortgage XXXX times with BofA. Each time I was pushed through a process called " The '' Hustle '' program, a " high speed swim lane '' program which eliminated every checkpoint on loan quality and compensated employees based solely on the volume of loans it originated. The " Hustle '' reduced the amount of time spent processing and underwriting conventional loans, thereby boosting loan volume and revenue. XXXX of 2013 the DOJ and BofA went to court over the banks liable for misrepresenting the quality of mortgages sold to XXXX and XXXX XXXX. I would never have qualified for refinance my mortgage if any documentation were required. To obtain my mortgage not XXXX single document was required. Only my credit score. Now I qualify for a reverse mortgage but I am {$8000.00} short. I would like my closing costs reimbursed for all XXXX transactions because if I were not, and should not, have been allowed to refinance, I would be in the position to obtain a reverse mortgage without a problem. BofA will not discuss a settlement for the {$8000.00}. with me and basically totaly ignores me, does not return my phone calls and basically discounts my existence. I need help with this injustice. XXXX XXXX
Dear XXXX I am responding to your contact about a debt you are trying to collect. You have identified the debt as " XXXX XXXX Bank, XXXX ". I received your notice via my land lord __________, the notice was not in a seal envelope, and was given to a XXXX Veteran who has XXXX and is confined to a small living area above my basement conversion apartment that I rent and use when in Utah. I am not sure on the date received or how long he had it on his coffee table. It was upsetting to him and I like my personal business mine. ______ said a man in a truck banged on the door and handed it to him when he finally was able to get to the front door and open it. I will protest this method of delivery. XXXX XXXX XXXX XXXX ] XXXX ( b ) " Illegally inform a third party about your alleged debt '' Unless you have expressly given permission, collectors are not allowed to inform anyone about your debt except : Your attorney The creditor The creditor 's attorney A credit reporting agency Your spouse your parent ( if you are a minor ) [ XXXX XXXX XXXX ] XXXX ( b ) How long do I have to respond? Utah Rules of Civil Procedure require that a response be made within 21 days of service. The 21 days begins the day after you were served the Summons and Complaint. Weekends and holidays are included, but if day XXXX is a holiday or weekend then the response will be due the following weekday.
On XXXX/XXXX/XXXX I received a phone call from my payroll department stating that Jefferson Capital Systems will be receiving a portion of my wages through a garnishment. I filed a complaint with the XXXX against JCS for garnishing my wages for payment on a debt I have no knowledge of. In my complaint, I asked for the following to verify the debt : 1. Full original account number 2.Date original account opened 3. Any written agreement between myself & the original creditor stating that I agreed to pay the original debt. 4. Consumer address at which original account was opened 5. Date of 1st delinquency 6. Itemized calculation of alleged debtI received a response from JCS 's attorney, XXXX XXXX, on XXXX/XXXX/XXXX stating that he had sent a letter with all of the above requested information, and stated that the debt was a defaulted Credit Card account issued by XXXX XXXX XXXX, XXXX. He stated that the account was opened on XXXX XXXX, XXXX, and was charged off on XXXX XXXX, XXXX with a default balance of {$1500.00}. 

I have several issues with the information provided in his response. 1. As of XXXX/XXXX/XXXX, I still have not received any documentation from XXXX XXXX or JCS verifying the validity of this debt, as requested in my first correspondence with them, and as was stated by XXXX XXXX was mailed to me. 2. I have never had a credit card account with XXXX XXXX XXXX, XXXX. 3. On XXXX XXXX, XXXX, I was XXXX YEARS OLD, and could not have legally signed a contract or opened a credit card account. ( My wife is also listed jointly on this account, and she would have been XXXX years old at the time it was opened. ) On XXXX/XXXX/XXXX, I responded to XXXX XXXX stating my concerns and again stating I had not received any verification of the debt and therefore, believed the alleged debt to be invalid. At this time, JCS had received {$800.00} from me, and I requested the money be returned to me and the judgment be dismissed or deemed satisfied. 

On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating that JCS believed the debt was mine, and would continue to garnish my wages. He directed me to call XXXX XXXX, an account manager, to discuss a resolution that would be satisfactory to both parties. 

To date, JCS has taken {$1800.00} from my paychecks. In the documentation provided to me by XXXX XXXX, the original debt was {$1500.00}. However, JCS is garnishing my wages in excess of {$3900.00}. ( As stated by my payroll department. ) I do n't believe this debt is mine, but I am being forced to pay it! 

I do n't believe I can resolve this without help. My first attempt to resolve this through the XXXX was unsuccessful. I am hopeful the CFPB has the resources to get to the bottom of this and help me!
ON XXXX/XXXX/16 ; XXXX/XXXX/16 ; XXXX/XXXX/16 I spoke to a representative at XXXX on those 3 conversations the representative never verified me properly, she did not disclose that the call was being monitored and recorded, she did not state mini Miranda and she did not disclose her company name. She also continuously called me back to back on several occasions. She never got permission to call my cell phone and kept calling about 4 times per hour.
My issue is with Experian. I've written 4 dispute letters in regards to the following accounts below. I asked on 3 different occasions for their method of verification showing this is my debt. I continuously just get a letter saying verified. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX I received a letter stating they will no longer reinvestigate these accounts again.