WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2016, XXXX # XXXX from Sallie Mae assisted me with applying for a lower monthly payment of XXXX, which would be automatically deducted from my account every XXXX of each month for the duration of 24 months. On XXXX/XXXX/2016, XXXX who is the account manager assigned to me had informed me that in order to avoid getting a negative report in my credit, I should apply for a forbearance. Evidently not having enough knowledge with student loans, I agreed to apply for the forbearance. Per XXXX, with a one-time payment of XXXX, my loans will be in current status instead of past due. I received a letter from Sallie Mae dated XXXX/XXXX/2016 that they were not able to process my request at this time and that my loans are not currently enrolled in the forbearance program. On XXXX/XXXX/2016, I spoke with XXXX and informed her about the letter that I had received. Per XXXX, this was a misunderstanding since her supervisor failed to approve the request. Per XXXX, she would ensure that she will submit the request to her supervisor for approval. On XXXX/XXXX/2016, I went online once again to check the status of my loan. Still, it was past due. I called Sallie Mae and spoke with XXXX that same day and was told that it was a mistake on their end and that my request for forbearance would be process at this time. Per XXXX, I should wait XXXX48 hours for the request to be processed. Today XXXX/XXXX/2016, I checked my Sallie Mae account online once again to check if my request had been processed. Yet, I got the same outcome. Loan still says that it is past due. I called Sallie Mae and spoke to a man named XXXX. Per XXXX, my request is currently being processed and should check back again this Friday. 

To summarize, I have been very dissatisfied with the service I have been receiving with Sallie Mae. I was told that I have been assigned to an account manager to further assist me with managing my account since it is past due. However, I evidently see no changes. All I wanted was to apply for a forbearance to bring my account current. Sallie Mae has been causing me, especially my father ( co-signer ) unnecessary emotional distress.
X/X/2016    Requested and received a payoff letter on our mortgage to sell our home  XXXX  {$170000.00} payoff amount  XXXX   XXXX  offer on our house and signed a lease on new home Packed up and moved out  X/XX/2016    After accepting offer and signing a lease on our new residence ; Mortgage  Company  went a new payoff letter ( {$200000.00} payoff amount ).   We contacted Mortgage Company and they requested that we ask the buyer for more money. Buyer did not qualify for increased amount. We asked the bank to consider the fact that we accepted the offer on their mistake and asked for forgiveness. The Mortgage  Company  did not respond and on  XX/XX/2016    we lost the sale.   We were paying on our lease x 3 months at this point.     on   XXXX   Mortgage Company sent us yet another payoff letter for {$170000.00}.     We found another buyer and sold the home and paid off the mortgage.     Mortgage company financially stifiled us for 4 months and then after the sale was completed ; listed us on Credit report as 6 months in arrears and Bankrupt. Attempted to dispute and they sent a letter stating that they were correct.
I have disputed multiple   XXXX   XXXX   accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.
State Collection Service Inc was sent a letter to provide validation of {$1000.00} that they claim is owed to them per credit reporting services.  State Collection Service Inc sent on XX/XX/XXXX and XX/XX/XXXX itemized statements from XXXX XXXXXXXX XXXX Medical Center with personal information of medical procedures and nonmatching account numbers. There is no documentation signed with permission for State Collection Service Inc to have said medical documentation if procedures were provided, therefore HIPAA rights have been violated. Personal information has been illegally obtained, also erroneous accounts have been created. State Collection Service Inc is attempting to collect a debt that is not legally owed to them and/or is falsely created.
XXXX A negative debt collection was posted to my XXXX credit report from AssetCare. I immediantly contacted the collection agency and they claimed the debt was purchased on XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX in XXXX Texas for services on XXXX/XXXX/XXXX. The were attempting to charge me the amount of {$3100.00}. 

XXXX/XXXX/XXXX - I contacted XXXX XXXX XXXX to verify this information and try to discover where they ( AssetCare ) were coming from because the original amount owed of {$810.00} had already been purchased by XXXX XXXX XXXX with whom I was already working with to resolve the matter. After the hospital billing department representative, XXXX informed me that they did NOT sell nor have any affiliation with AssetCare nor its parent company XXXX XXXX, I contacted XXXX XXXX XXXX XXXX XXXX XXXX and they also confirmed that no such company had authorization to claim this debt. I then again contacted AssetCare and informed them of their fraudulent activity and that I would be reporting them to the XXXX XXXX XXXX and XXXX XXXX XXXX and they simply hung up on me.
I had gotten a loan through XXXX XXXX XXXX in Ohio. I had always paid back my loan but this time I had unexpected circumstances occur that left me with a financial hardship. I could n't pay back my loan. I received a letter in the mail stating that XXXX XXXX XXXX would withdrawal a series of remotely created checks to access my bank account with XXXX XXXX XXXX on XX/XX/XXXX. I sent a letter to XXXX XXXX XXXX revoking my authorization to access my account using XXXX and also sent a letter to my bank asking to block XXXX XXXX XXXX from accessing my account. On XX/XX/XXXX, I checked my account and saw that a check for {$500.00} was created by XXXX XXXX XXXX and cleared by my bank. I sent an email to my bank and to XXXX. Its a holiday so I ca n't get ahold of my bank presently. XXXX basically said nothing. I will now have to pay a large collection of overdraft fees as I have several payments pending.
On XX/XX/XXXX, I paid two bills with my Bank of America Mastercard. Bank of America Mastercard charged me a {$10.00} transaction fee for each payment saying that it was a cash equivalent. Never before have I been charged this fee. I called to find out how I could identify what companies would cause this fee to occur. XXXX at Bank of America said there was no way to identify these companies and that they could charge me the fee anytime they wanted based on a companies designation, but he said there was no way I would know the designation.
XXXX/ XXXX/ Equifax, Were all notified in XXXX of my dispute with a particular collection account reporting on my credit file and did not provide me with physical proof this account belong to me or if its accurate ... 
As Law Requires by, FCRA. 

All bureaus just stated verified in monthly report. 

Finally, XXXX Equifax Removed this Collection but as of XX/XX/XXXX Equifax has indicated the account has begin to report to Equifax once again after being removed. 

Neither bureau has giving me method of verification as requested in XXXX which is my concern as I continue to address this matter nineteen months later. 

How was this account verified in XXXX?
XXXX XXXX XXXX chose to switch my XXXX XXXX  credit card to another account without notifying me, failed to send notices of due dates and amount due, and the reported me as 30 days late to credit agencies ( 3 ). I have protested this to Capital One and the reporting agencies without satisfactory changes to the reports. Complicating the situation was was serious illnesses, XXXX, and multiple XXXX, during which I had to rely upon others to pay my bills, which made receiving those bills in a timely manner necessary to pay them in a timely manner. When I was able to follow up about paying the bill, Capital one could not find my account, because they had transferred the balance to a different account with a new number, which they reported as past due. When they tracked down the account I paid the entire balance. They still would NOT change the report to make it accurate.
I HAVE PAID MY CAR NOTES ON TIME EVERY MONTH THE LOAN COMPANY IS REPORTING 5 MONTSH OF DELINQUENCY.
The credit bureaus ... XXXX, XXXX, Experian have not updated my report to Chapter XXXX bankruptcy discharge from XX/XX/XXXX. 
I'm trying to rebuild my credit after fallen on hard times. I've been XXXX since XX/XX/XXXX from an accident and would like them to acknowledge my recent closure.
I have previously submitted info to all three bureaus advising of accounts that we not mine and should be removed. The accounts have since then been clears from my reports except from Experian. In a recent report mailed to me from this company I see a XXXX  and XXXX XXXX accounts show on there and both of which are not my accounts and needs to be taken care of properly. The two accounts on my report is making it difficult to grow credit wise
AFNI Inc. Reported a debt they state I owe to XXXX on my credit and on my fathers credit. 

My father ajd I filed a complaint with the state AG office and in turn XXXX contacted us and we were told by a XXXX representative that neither he nor I owe the debt that AFNi is collecting and that they have no record of a debt in my name or my fathers being sent to AFNI. I filed Bankruptcy in XX/XX/2016 and a debt from XXXX was included in the bankruptcy. Oddly enough AFNI reported this on my credit after i had filed. They also violated my automatic stay by contacting me by mail after i had filed. 
We belive this debt to be fraudulent. As XXXX has no record of it.
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to Experian but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX XXXX
XXXX has failed to correct the problems with multiple disputes Concerning XXXX Bank in error reporting of {$8.00} refund made to me instead of me making it to them despite photocopies of refund check both sides made to me. This information should have never been reported to all three ( 3 ) major credit bureaus. XXXX  allowed XXXX Bank to change {$110.00} refund made to me from XXXX Bank to a balance due of {$110.00} where I disputed to {$120.00} where It is currently being disputed as of XX/XX/2018. I did, as well, provide photocopies of {$110.00} both sides in multiple dispute. I have no reason anything would be much different from XXXX.
XXXX  bank portfolio Recovery is garnishing my account from a balance that was apparently from  XXXX  On my credit report it is showing that is charged off.. I was told that I made a payment in  XXXX  of {$50.00} and the Representative failed to provide me with poof and stated that this restarted the process. I have no knowledge of this and was n't served any legal papers. They took my state income taxes.
I HAVE KINDLY ASKED LENDMARK FINANCIAL TO SEND ME THE INQUIRY DETAILS OF THEIR INQUIRY ON XX/XX/2018 but after numerous attempts I came here
On XX/XX/2018, I received an alert letting me know a collection item was placed on my credit report. When I looked on my credit report I saw that XXXX XXXX XXXX for XXXX is showing that this item is in collections. Inaccurate information for account, status, amount, date open and closed, and payment history are all inaccurate. I have also never received notice of this collection item thus not allowing me to dispute it. It has dropped my credit score down 60-70 points and is damaging to me buying my house.

Please investigate
I notified ERC twice about an alleged debt owed to original creditor " XXXX XXXX XXXX '' for the amount of XXXX. 

I sent them a letter by regular first class mail back in XXXX of XXXX asking for verification and reporting dispute. They did not respond. I sent a second letter by Certified Mail Return Receipt Requested in XXXX of XXXX requesting a settlement in which I agree with pay a partial amount and they agree to remove the account. They did not respond. 

They have failed to respond either time and have since changed the " Date of Last Activity '' on the account on my credit reports to a more recent date -- harming my credit score. 

I have contacted XXXX XXXX XXXX directly and no one can validate that any debt belongs to me under my social security number or name. 

The company has now violated both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by 1 ) Never sending me an original DUNNING letter that such a debt existed 2 ) Not responding to official requests for validation of said debt nor reporting the debt as disputed 3 )  Updating or " re-aging '' the account on my credit report to make it look current and harming my credit score. 

I am in the process of trying to get a mortgage and this score damage has caused me to not be eligible for the best rate. This constitutes actual harm.
First of let me say for a manager to start yelling at a customer is beyond belief. I reluctantly dealt with XXXX and it was one of the worst things I could do. She constantly made excuses, would not call me back or answer questions. I got answers from another lender. She told me that I did not qualify for a loan because the loan to debt ratio was XXXX. Another lender told me XXXX, and I called her numerous times because I wanted to know, would I qualify if I paid off my XXXX car loan. So it would not be considered debt if it were not there. She never even mentioned any other options after running my credit. She is unprofessional, rude and loud. She got angry because I questioned her lack of customer service, went off on me as though she was some street fighter and frankly she only embarrassed herself! Please allow me to send you the emails where she tried to send me to another company. I did not want to deal with her ecause of her poor customer service and you will see that in the emails. I cant believe you have such an unprofessional person in your employ. I would like to speak to the President of the company. She lied and manipulated me into allowing her to r run my credit information. I sent her all of the documentation and she claimed that she looked it over BEFORE to see if it were feasible to run my credit which I do n't believe she did. All she was interested in was running my credit. Also to try to send me to another lender without even trying to earn my business is disturbing. The emails outline the fact that she was ignoring me and I had to get answers from another lender. She never even gave me any alternatives to make the loan work. 
despite all of this, no 'PROFESSIONAL ' has the right to yell at a customer., tell them anything to run their credit then abandon the customer Here is her information XXXX XXXX , Sales Manager/Mortgage Loan Originator, XXXX # XXXX HomeBridge Financial Services , Inc . 
XXXX Member Preferred Lender XXXX XXXX XXXX XXXX XXXX, NJ XXXX o : XXXX c : XXXX f : XXXX e : XXXXXXXXXXXX
I have a collection account from convergent saying that I owe  XXXX . I have never had an account with  XXXX .
This complaint is for a private student loan I have wi th Citibank Student L oans. The amount owed on the account was {$2300.00}. This account was settled with their preferred collection company,  XXXX   XXXX ,  XXXX  in  XXXX  of  2016  for {$590.00} . Citibank is n ot acknowledging this account as settled and is still negatively reporting it to the credit bureaus. After contacting  XXXX   XXXX  about this they sent me a letter stating that the account has been settled and contacted Citibank regarding this. Since then, Citibank has closed the original account as " transferred to another lender '' and reopened the account  under " Citibank N.A ' ' and "  XXXX  \Citibank N.A . '' with a b alance of {$1700. 00} ( whic h is the difference from the original amount owed and the paid settlement amount ). The accounts are countinously reporting late, deferred and opened with a {$1700.00} balance on my credit files after several disputes and attempts to correct them . Citibank is  in violation of the FCRA. They have cause  my credit score to dra stically decrease by  XXXX  points with the false reporting and duplicate additions of these accounts, and they have cause me to be denied for a mortgage loan. Please help.
I have attached letters with this complaint. 

First of all - both XXXX and Equifax failed to re-investigate the dispute as requested. They apparently said that they are " allowed by law not to re-investigate '' which is straight out a lie and very deceitful ... 

According to Section 1681 - they have to re-investigate the items that I've attached and remove them immediately. They have the burden of proof and need to provide me with everything that I need in terms of accuracy - which includes documentation bearing my wet ink signature :
On XX/XX/2017 I purchased some items from XXXX and I was offered a coupon but instead the employee mistakenly ran my credit line for a XXXX credit card which I am highly up set about.
An American Express collection person named XXXX  at XXXX has repeated called me XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 times, XX/XX/XXXX - 2 times and XX/XX/XXXX - 3 times. He has also contacted phone numbers of relatives and people NOT related to me looking for me. He has called my grandmas XXXX  line, which I have never lived at and is very inappropriate when it is not a relative. He contacted my mother 3 times. He contacted my husbands uncle, who is NOT related to me. This is borderline harassment at this point. He can call me or my husband as many times. But reaching out to people who are not my relatives is unacceptable and totally violates my privacy. This should not be acceptable!
I provided my ex with an authorized user card on my XXXX account in XXXX. In XXXX we separated, I moved home across the country contacted XXXX to cancel the authorized user card. XXXX agreed. In the spring of XXXX I was contacted by XXXX stating the account had been maxed out and delinquent. I agreed to settle and pay the balance in return for the card being closed and settled in full i payed XXXX XXXX XXXX Fast Forward to XXXX XXXX sued me was granted a judgement for the full balance and are now garnishing my wages for XXXX XXXX This is not only dishonest but appears to be interest and fees way above usery. On a card with a XXXX limit my credit report now reports a XXXX charge off, per the local court house where filed the balance due is now XXXX $ yet a garnishment of XXXX $ has been levied against my pay check causing 25 % of my after tax earnings to be stolen from me. The law firm that filed the suit is Midland funding. They refuse to answer the phone, return calls and the one time they have refused to discuss how the balance exists and has reached such a high dollar amount. On top of being unethical, and immoral is causing finacial hardship. I am able to settle but due to the first time this was paid and still now being sued am not sure that makes sense again. In addition the usury amount of the balance is concerning and seems unlawful. This non valid garnishment is negatively affecting my ability to pay living expenses and college expenses for my child. This is unfair, unjust and dishonest. Despite my effort to contact legal assistance i continue to hear this is not an isolated occurrence and that their is little of no legal recourse for a Citizen. Can you help? This seems like an UN community type thing to do to a county taxpayer especially a civil servant. Please help.
I received a derogatory mark on my credit reports in XX/XX/XXXX from XXXX XXXX aka Resurgent Capital Services. The alleged account was opened in XX/XX/XXXX and is now being reported as collections all these years later. I never received written communication about this or the opportunity to validate or dispute this debt.
I obtained a loan with XXXX XXXX XXXX XXXX for a vehicle that has now since been totaled. After the vehicle was totaled I was left with a balance. I have been paying on the balance until recently I have experienced a loss of hours at work. I acknowledge the fact that a balance is owed. Roughly {$810.00}. Since XXXX 2017, At least 5 days a week I begin receiving call from this company starting at XXXX XXXX. and at least 10+ calls a day from them. The constant calling still has not produced extra hours nor generated income to pay them.
I have contacted Equifax and XXXX XXXX XXXX XXXX XXXX on numerous occasions, about this issue. As soon as I saw this on my report I notified all bureaus about this activity. I constantly called Equifax and filed dispute to NO avail. Please update your info. reporting inaccurate info. XXXX XXXX has assured me that they are not reporting the inaccuracy.
Good afternoon CFPB representative : I really apologize for having to address this same issue yet again. It has not been a full month since my last complaint. I put in a complaint on XX/XX/XXXX. The complaint # XXXX. Well, I paid my Wells Fargo mortgage through bill pay from XXXX XXXX XXXX for XX/XX/XXXX. It was documented on my account statement ; BUT, the additional cash payment of {$1400.00} that i made in the bank on XX/XX/XXXX was documented on my statement as unapplied {$1400.00} and not towards the principal as I clearly stated to the representative in the bank and when I called into Wells Fargo that same day to notify the bank that the payment would made for XX/XX/XXXX for the mortgage as well. So, the total amount I provided to Wells Fargo for XX/XX/XXXX was {$2700.00} ; {$1300.00} for standard mortgage payment + {$1400.00} cash additional principal payment. Again, I apologize for complaining about this ; but, I want this matter adjusted and corrected immediately. Thank you for taking the time to listen to my complaints. 
Sincerely, XXXX XXXX
In XX/XX/2017, I contacted Quicken Loans regarding general information to refinance my home. It was not my intent, nor did I consent to having an application or credit inquiry submitted. I was simply wanting to obtain generic information on costs, and average interest rates. However the phone call resulted in an application, resulting in a credit inquiry, without clear consent from me, or even providing acknowledgment that they had done so. 
I was not made aware that Quicken had submitted an application/credit inquiry, until be notified by the financial institution I chose to do business with had alerted me. Although I have over an 800 credit score, this delayed the overall refinance process, and required additional documentation that otherwise would not have occurred had Quicken not done this.