WillisBack/dataset-financial-user-claim huggingface dataset:
i Sent certified letters with the return receipt over the past 3 months and the credit bureau refused to correct my account
On XXXX XXXX the company performed OpenRoad Lending a inqury on my report. I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit. I am getting the run a round.They say things such as it was made on XXXX, placed online. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury.
I called my federal student loan provider Great Lakes to confirm about item # XXXX : I 'm thinking of serving as a XXXX XXXX or XXXX volunteer and plan to request a deferment or forbearance on my Direct Loans. If I 'm not making payments during my service period, can I receive credit toward PSLF? 
The customer service agent ( I believe her name was XXXX ) stated to me that I would not be able to received credits PSLF, even though under the federal government its stated otherwise. The agent stated that I would need to make 12 separate payments and that I am not able to make the lump slums payment and received the credit for PSLF. 
I am extremely frustrated because, I am a hard working student working to keep up with my student loans and more importantly be smart with payment in order to receive PSLF credits during my services as an XXXX volunteer. I would like for Great Lakes to invest in honest and fair business practices. I do not think this institution should be acting as private money-hungry bank center. I also believe, the federal government needs to do a better job making sure that these private sector they partner with are honest and are in compliance with federal regulations. I am going to call them again with an attorney on the other line to process this request. It 's unfortunate that hard working citizens of this country have to go this far to get a fair treatment.
Today, XX/XX/XXXX, at XXXX, I received a call from a company listed as ARA XXXX ( I never heard of them nor business with them ). A rude and threatening collector identifying himself as XXXX XXXX recited my social security number, and advised me that the call was concerning a pre-legal matter that I was possibly unaware of that I owed. I was alarmed that a stranger was calling with my ssn in the XXXX place and demanded to know what company was claiming that I owed them and he became very hostile. He said a XXXX time that I was about to be served to court for the still ( unidentified debt ) under a civil judgment. I became irate at his combative tone and informed him that I had no outstanding debt. He then identified a credit company and amount that I have not done business with and settled as far back as XX/XX/XXXX at the least. My complaint with ARA XXXX, phone number XXXX, is that XXXX ) He ( collector ) threatened to sue me in court for an account I settled and have not done business in over 15 years - over the statue of limitations in my state ( NC ). I submit that in that case the debt would be considered time barred. XXXX ) I placed agent on speaker where he repeated his threat and definite intent to sue me to appear and I have witnesses to attest to this fact. This is illegal.
In XXXX of XXXX, I received information from lending agency, XXXX ( XXXX XXXX XXXX ), stating they were taking over my current student loan with lender " XXXX XXXX ''. The loan with " XXXX XXXX '' had been established XX/XX/XXXX for school expenses while attending the University XXXX XXXX XXXX XXXX, in XXXX XXXX California. 

XXXX sent monthly statements showing the original loan amount and a payment due of " XXXX '' until XX/XX/XXXX, when I began to get statements showing an amount due of " XXXX ''. Shortly after that I received a letter from them saying the status of my account had changed but it offered no reason or explanation for the change. When I contacted them to inquire about the issue and to point out that I was still in school on a deferred payment loan, they said they were the new servicer and knew nothing about those details and were only concerned with what was sent on their statements. I did manage to get them to tell me they " represented '' XXXX XXXX XXXX, another name with whom I am still unfamiliar and who does n't show up on any of my original paperwork. Any other requests for information were met with ambiguity and the run-around. 

XXXX then began to press me for personal information they should have had already and threaten to impact my credit if I did n't agree to their terms. I did not. They sounded more and more like a predatory lender with each conversation. I suggested we continue talks when they could provide to me reasons for the change in terms and no notification. 

I did n't receive any more phone calls from them and only one more statement which showed a monthly statement balance owed of {$400.00}. I also discovered around XXXX they had made good on the promise to impact my credit score. I am still waiting for an answer to my request. 

I completed my course requirements in XXXX XXXX, and XX/XX/XXXX, I received a letter from NES ( National Enterprise Systems ), a collection agency representing XXXX XXXX XXXX, asking for {$4000.00} on an original loan amount of {$3500.00} over 10 years, at 6.667 % variable. I will send them a letter of dispute for the reasons listed above once completed with my request for assistance here. 

Who are all these people who are calling and asking me for money and personal and contact information they should already have? I have abided by the rules and guidelines set down in my original contract with " XXXX XXXX '', and if that loan was purchased by another entity, should n't the same terms apply with the new servicer in the spirit of fair lending? Paying back my obligation has never been the issue, but by the terms originally agreed upon. 

I did business with XXXX XXXX because it was what I could afford, then and now. By XX/XX/XXXX I hope to have a new job and begin my student loan repayment. That was the agreement when I signed on, and in all fairness and good business practices, it should still be the state of the situation. 

Please tell me what I can do to protect myself.
Recently Equifax had a security breach of 143 million americans. Instead of offering to tell you if you could be effected by this they make you sign up for a protection plan which also makes you sign away your legal action to go after them for their faulty security. This is their fault and to make the people mostly effected by it sign away their rights to know if they are affected by their mistake is wrong.
I was forced into signing a 15 year mortgage instead of a 30 year mortgage which I could have afforded. My abusive husband divorced me and left me with the house XX/XX/2016. I am behind on my mortgage, and the lender, Rounpoint Mortgage Servicing Corporation is not cooperating within the legal boundaries of my consumer rights. 
First I contacted XXXX in XXXX when I was XXXX months behind on my Mortgage payments. They asked me to pay {$1500.00} in XX/XX/XXXX to catch up the payments. I could n't afford to, but they told me that was the only option that I had. Being a single mother of XXXX children this was not easy for me to accomplish. I prayed, and a close friend gave me the money and told me not to bother repaying him for it. I was still behind. Roundpoint told me that they would be automatically deducting payments from my account in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in the amount of {$1100.00}, and tha tI would be caught up in XX/XX/XXXX. That never happened. But again, I make $ XXXX/hour, and am a single mother supporting XXXX children. I called again in XX/XX/XXXX, once I realized the money was not coming aout of my account, and was further behind than before. I talked to someone else. They wanted another {$1500.00} before they would set up any kind of payment plan. I tried to set that up for XX/XX/XXXX, but did not have the money. I called again, and got nowhere .... I did some online research and found out about a program called Making Home Affordable. I sent all of the HAMP documents to Roundpoint via 2nd Day Air XXXX, and obtained a proof of deliver. And I waited. Nothing. Two days ago I received an updated statement from Roundpoint indicating that I owed over {$7000.00} this month for my mortgage and was facing foreclosure again. 
Today I spoke to XXXX XXXX from another organization that I found online called Hope Now, that specializes in helping people who are facing foreclosure. After explain this to XXXX, I Was advised that Roundpoint has broken some rules. Roundpoint not once offered me any information, nor provided documentation for me for the Making Home Affordable process, I found that on my own. Roundpoint never offered a single point of contact for me. Roundpoint never offered any type of payment plan for me. Roundpoint did not respond or attempt to contact me within any amount of time within 30 days of me sending them the required information to modify my loan and place arrears in deferment over the life of the loan that I requested. I was ignored, my rights were violated, my credit rating is ruined, and I am scared to death that I am going to lose my home to foreclosure.
I now have XXXX loans being serviced by Educational Computer Systems Inc ( ECSI ) : XXXX for a Perkins from XXXX College ( undergraduate ) and XXXX for a Perkins from XXXX ( graduate ). When I obtained my initial statement for the XXXX loan, the URL provided led me to a different portal for entry to the servicer website in order to make a payment than the one I was accustomed to using for the XXXX loan. I followed through with the registration process nonetheless and made a payment for each of my loans one after the other. In each case I was only given one option for payment, which resulted in a {$1.00} processing fee. I had no way to decline the fee and make an alternate form of payment. I called the servicer after the fact to complain about this, noting that I had never paid a fee when entering to make a payment through the other website. I requested that I be credited {$3.00} ( $ 1.95x2 ) to reimburse me for the erroneous fees charged. I was told someone would get back to me ; nobody ever did. I called again on two different occasions and was told there was no resolution to my problem ; I was in fact offered no resolution. The fact that this company has multiple URLs that do n't appear to " speak '' to one another and that have different payment options, and the fact that they default to having borrowers directed to the site where fees are charged, is predatory. I maintain my request for a credit of {$3.00}. Unfortunately, I ca n't stop making payments in the meantime because I do n't want to hurt my credit.
Diversified consultants commits fraud and places inaccurate information on consumer reports in an attempt to get them to pay for debt that cant even be verified or validated. They placed a debt for XXXX for {$570.00} on my report with a reporting date on XX/XX/XXXX. They do illegal things in an attempt to pressure consumers. 

I mailed a letter the 1st week of XXXX requesting validation. The address they have on file is incorrect as well. They are fishing and I refuse to pay a debt thats not mine that cant even be verified of validated. Both actually. Its been over 30 days I called the credit bureau as well as this address thats invalid is on my credit report now which puts me at a safety risk for my persona information. They are refusing to respond and if theyre responding with the unsaid address putting my personal information at risk which breaches HIPAA. I called today XX/XX/XXXX gave my actual address. The gentleman was nasty and sharp no customer service at all. 
This account needs to be deleted and removed from my credit Bureaus reports immediately for failing to validate within 30 days. 

I can add my usps tracking info it was delivered success Lu my letter to you and you guys did not validate
Experian is not allowing a phone or online security freeze for me. 

My husband placed a security freeze with all four main agencies by phone or online without problems. I placed a security with XXXX, XXXX and XXXX by phone or online without problems. Experian is trying to push me without proper explanation to send a lot of sensitive info by mail which is ridiculous. Doing things by mail is also slower ( 3 days versus 1 hour ) if I need to lift the freeze in the future - so their route would also really penalize me. My personal situation has no complexities and I've been at the same address for nearly 10 years. They are not answering the phone when you try to get to a real person. 

I did not authorize any credit agency to have my information in the first place which I feel is a real invasion of my privacy. Now Experian want to make life difficult as well. 

Credit freezes should be automatically applied across all bureaus with one report, just like fraud alerts. That would be much better and fairer for consumers
I bought my wife 's engagement ring from Zales. I financed some of the purchase with their Zales card. I was told at the time of purchase the balance was interest-free for 18 then after 18 months the balance would start to accrue. My 18 months needed last months. At that time I owed a balance of $ XXXX. Three days ago I received my new balance with a balance of $ XXXX. I called the Zales customer care department and was told that the card was interest-deferred. The amount of interest for the entire purchase was added to the balance. I attempted to contact multiple supervisors to get a fair resolution to this problem without success. The Zales company is using dishonest sales tactics on their customers.
My first attempt to apply for credit happened mid year XX/XX/XXXX when I pulled my credit report for the first time and noticed several discrepancies. I contacted Equifax Information Services by  mail questioning these discrepancies who gave me a list of things to do. I also filed a complaint with the XXXX Police Department because my information had been stolen and obviously used. I provided Equifax Information Services with each and every document they asked me to provide and still go no resolution but a returned form in the mail stating that the information had been verified. Since XX/XX/XXXX I have sent Equifax a dispute letter almost every month with no results. I have sent an Affidavit, A copy of my SSC, a copy of my drivers license, proof of my address, my police reports, and continuous dispute letters paid for by certified. I have asked for account information and verification in all of these letters but have yet to receive anything but the same credit report stating that the information has been updated and verified for the past two years. I'm am overwhelmingly frustrated, discussed, and disappointed with the unlawful and unfair treatment I have received by this company. Equifax is reporting inaccurate information that I owe XXXX XXXX XXXX {$2400.00} account opened XX/XX/XXXX. They are reporting that I owe XXXX XXXX XXXX {$4800.00} opening that account XX/XX/XXXX. They are reporting I have an account in collections with XXXX XXXX in the amount of {$100.00}, come on who lets {$100.00} go into collections. They are reporting that I owe XXXX XXXX an unknown balance for an account opened XX/XX/XXXX and The US Department of Education several amounts on various days. Again, I have disputed these account on various occasions over the two years and hadn't received ANY requested verification. These things have excluded me from living a normal life and being able to obtain credit and purchase a home for myself and my family. I would like some help in resolving this matter.
XX/XX/2014 I completed a short sale of my home. I recently observed my credit report and CitiMortgage is continuing to report to the credit bureau resulting in my credit worthiness and credit score to have a negative impact. I was able to confirm that CitiMortgage has no legal grounds to continue reporting this account to the Credit Bureau.
Frequent calls from Focused Receivables Management LLC, XXXX. Lots of harassing calls and messages with no information on what and who I owe, of which I do n't.
I have been getting XXXX to XXXX or on some days more phonecalls from Portfolio Recovery. They call sometimes beginning at XXXX XXXX in the morning and sometimes after XXXX on a given day. My wife works XXXX shift and we do not need them to be calling us that many times. I feel that is Harassment!!
Conducted several free triple pulls through different methods. I identified incorrect information and submit the dispute on line and in writing. The following year the in correct and out dated information is still on my credit report. 

XXXX account opened in XXXX with a balance of {$850.00} Old loan accounts Closed accounts my ex-wife first name as current wife.
Ive been sent a letter in the mail earlier this year I believe in regards to a debt made out to me as a result of somebody stealing my identity. Sent money to my account using the routing number and my account number and used my card to buy stuff which I did not authorize. I called to speak on it and was told Ill be called back but never was. This was I believe two years ago as well.
I did a settlement with my Navient account through the collection agency XXXX XXXX XXXX. I paid the settlement and received confirmation that it was paid. 

Navient is refusing to send me a XXXX form which they are required to do by law. I need this form to file my taxes. Navient told me they are n't sending me the settlement form because I did n't pay a higher settlement amount, after I called their customer advocate department repeatedly requesting that they mail my XXXX. The collection agency agreed to my offer on Navients behalf, and confirmed that the settlement had been finalized. 

I have no problem with the collection agency. But Navient themselves have refused to give me my XXXX form by mail, and the reason they say they wo n't give it to me does n't make any sense. They said I should have paid more on my settlement. But they agreed to the settlement that their collection agency accepted from me on their behalf.
I have asked and begged Equifax to remove accounts no longer legal able to be on my credit file because they have not verified the information. Like XXXX XXXX did and So did XXXX I am for the Final time before I file a lawsuit asking them to remove 1.Student Loans XXXX that ca n't verified my XXXX and XXXX nor XXXX 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX before I file a lawsuitagainst themthey have 24 hours
Requested to have the freeze temp unlocked/lifted. They said to send COPIES of specific documents. This was done via Priority Mail. Just received in mail that I did not send in the req. docs. I did. I marked off what they wanted. 
XXXX is refusing to do their job and the companies that are requesting this ( NOT I ) are still waiting after over a months for these people to do what the person ( I ) have asked them to do. THIS IS ILLEGAL. 
Lift temp.the freeze IMMEDIATELY. THAT IS MY RIGHT. 
This is a formal claim against TransUnion. XXXX
XXXX is reporting fraudulent inquiries on my credit report, And sharing the information with the public. 
I have wrote letters and filed complaints with other agencys and they continue to report these inquiries. 
They have had a breach in the system where millions of people personal info was used and i am XXXX of those people. They removed XXXX inquiries then reinserted them again which is illegal without notification to the consumer. i would like for them to remove all inquiries from my credit report immediately.
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES I WAS LATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THESE LATE PAYMENTS XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE XXXX Account # XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE
I have balances with XXXX XXXX XXXX and it was turned over to ameri collect collection agency. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from dates XX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX. I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$240.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted Americollect multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually. This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.