WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2017 i sent a dispute by certified mail for this said debt with XXXX XXXX ( XXXX XXXX ) in the amount of {$2000.00} to validate this amount owed. With no response I filed a complaint here in a separate complaint against the creditor. In which The creditor agreed to have this alleged debt removed from all 3 bureaus Within 45 days after failing to provide proof. The collection was removed from XXXX   and XXXX but remain on Equifax. I followed up with the Bureau twice since then, requesting they remove the debt and was advised that they never received notice to do so. This creditor has also not reported since XX/XX/XXXX of last year. I am asking that the Bureau Equifax remove this debt immediately as promised and report accurate information
ID THEFT VICTIM SENT TO HPD # XXXX CASE NUMBER VIOLATES MY CRA RIGHTS, HIPPA I 'VE SENT THEM THE REPORT AND XXXX XXXX NUMBER WHERE THEY CAN VERIFY IT ... ...
Good afternoon, On XX/XX/2019, I sent Penn Credit Corp a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies.
I lifted the freeze on my credit for a period of 48 hours, during which time IC Systems, who has been trolling my credit by making repeated soft inquiries, placed a collection that has already been resolved and was the result of Identity Theft. 

IC Systems has placed a collection on my credit file for XXXX. This account was fraudulently opened by an individual, XXXX XXXX XXXX SSN XXXX 

Previous attempts to collect this account were removed from my credit file you XXXX, XXXX and XXXX by disputes with them and through CPFB, XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 IC Systems has been physing my credit file, making repeated soft iquiries through the reporting bureaus. This account is fraudulent and is the result of identity theft and use of my identity to obtain services. 

IC Systems had damaged my credit by attempting to collect a debt that has already been deemed fraudulent, they have damaged my credit score and damaged my good credit rating which has refuted in a credit score drop of XXXX XXXX points.
XX/XX/XXXX, I 've noticed that even though I have been paying more than my minimum payment amount and paying it on time, my balance was slow to go down. When I checked my account, I noticed that my fixed interest rate of 10.99 % ( since XX/XX/XXXX ) was moved to an interest rate of 11.15 % variable. I called Bank of America to ask why my interest rate was switched from a fixed to a variable when I have never not paid my bill, always paid more than the minimum amount and always paid on the due date, Bank of America told me they just did it to me. I asked them was n't that against the law, especially since they never even notified me of hiking up my rate? They apologized and acknowledged that they never notified me and will now send out something to me in the mail. Is this legal? Can they get away with stealing my money like this? I need help in resolving this. Bank of America can not just switch my fixed APR from 10.99 % to a variable, when I did nothing wrong.
United Consumers , Inc. ( UCI ) XXXX XXXX  XXXX XXXX, VA XXXX mailed a letter regarding an alleged collection on behalf of a company I have never had any account with for any reason. After repeated attempts to call and contact through text and chat, along with numerous calls to the alleged original creditor and its partners, I concluded that UCI falsely claimed this debt is owed, while stating " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. '' A quick XXXX search confirmed that numerous others have suffered the anxiety and discomfort resulting from collections due to UCI 's regular business practices of ( at the very least ) misrepresentation and ( likely ) fraud. Please do something about this awful organization.
On XXXX XXXX, XXXX, I XXXX " Navient phone number '', wanting to contact the company to change my address and have something mailed. I chose the first option that XXXX provided. When visiting XXXX once more ( after my situation was said and done ), this same phone number was not an option at all. It had completely disappeared from XXXX. I called the phone number and was connected to XXXX XXXX, who works for XXXX XXXX XXXX, which is located in XXXX XXXX, California. XXXX 's e-mail address is XXXXXXXXXXXX. XXXX 's phone number is XXXX ext. XXXX. She told me she could not change my address or mail something to my home because she works in a different department. She did however tell me I was eligible to be apart of a program that would help lower my monthly payment. She informed me that Navient was going through a lawsuit and over-charging us customers. She said I would pay a little bit more for the first 2 months and once those were paid for, my monthly payment would lower. She said that would happen for a few months. After a year, my monthly payment would be even lower ; this would happen for another year until my student loans are paid off. I decided to register/apply. I had given this woman all of my information ( even though she stated she works in a different department, she said it was still within Navient ) : addresses, social security number and bank information. I had to create a XXXX XXXX XXXX XXXX. I had to E-sign a few different documents. All of this happened over the span of 2 days. On XXXX XXXX, XXXX, I was told by XXXX that {$270.00} would be taken out of my checking account for the month of XXXX. My money was taken out the very next day on XXXX XXXX, XXXX. On my account summary, it shows up as XXXX XXXX XXXX FL and gives this phone number : XXXX. I called the phone number but was only greeted with a voicemail asking me to leave a message. I also attempted to contact XXXX. My attempts have not been successful ; it seems I am being ignored. Unfortunately, I will not be able to have my money refunded. However, I took the proper steps to protect myself. I contacted my bank and they cancelled my debit card. They will also keep an eye out for XXXX XXXX and will stop them from stealing more money. I checked my credit to make sure nothing has been done using my identity. I also put a security freeze on credit reports.
I am currently XXXX in XXXX. My salary is XXXX before tax and my rent is {$1400.00}. This is not including utilities, transportation, and food. I have spoken to Navient about private student loans to make a plan to pay them off. I told Navient my salary and expenses and committed to paying $ XXXX/month until my salary increases. I spoke to Navient representatives several times regarding my willingness to work with them. However, Navient was persistent in that they did not want {$75.00} they wanted & gt ; {$300.00} a month that I simply did not have. The representatives became belligerent even suggesting that I ask my landlord to decrease my rent to pay them? This is preposterous as I have to have a roof over my head to work. Yesterday, representatives threatened me that if I did not give them several hundred dollars by XXXX they would default my loan. This business has destroyed my credit report. The only relief I have received is from paying a default fee of $ XXXX+ that does not go to the life of my loan. I also, tried to consolidate the loans with Navient and they refused to have the private loans consolidated. Thus, I am working diligently to try to pay my debts to this company without the company willing to work with me.
Santander repossessed a vehicle in XXXX XXXX and the last correspondence with them was to find out where vehicle was to take possession of personal property left in the vehicle. Have not received any correspondence in regards to if vehicle was sold at an auction or if there was still debt owed. Through looking at my credit reports I found there to be a total due. I disputed that $ amount and it was then reporting {$0.00} owed and sold or transferred. XXXX XXXX, XXXX I mailed certified letters asking for validation of debt and any information about the repossessed vehicle. I have n't heard or seen a reply back from either Santander, XXXX XXXX or XXXX XXXX XXXX.
I requested to have my account closed and funds returned to me via papercheck several months ago because I do n't use this prepaid card and lost it. Each month they continue to charge me a XXXX paper statement fee and XXXX for account maintainence fee. I 'm still have not received my money. Each time I call it takes XXXX minutes to talk to anyone. I finally waited the XXXX minutes in XXXX XXXX to get a live person. They told me they never received my request, that it was my responsibility to make sure they do their job ( please listen to that call, that statement was actually made ) and that not only do I have to resubmit my request in writing once again, but there was no guarantee that they would reimburse me for the fees. It was up to their " back office '' discretion. This company makes it all but impossible to deal with, in the meantime they keep my money hostage and deduct fees every month. They are unethical and I 'm sure they are taking advantage of thousands of kids just like me.
I have been involved in a timeshare/vacation club scam in XXXX XXXX XXXX. A transaction was made with my Bank of America Visa credit card. 

I called Bank of America the day after the transaction suspecting fraud and asked them to stop payment on the charge. I was told the payment was in progress and there was nothing they could do until the transaction posted. 

After the transaction posted I contacted the Fraud Department and wished to file a claim. I was told by BOA they only consider a transaction fraud if someone else uses your credit card. BOA told me the only claim they could file is a billing dispute if I signed a contract. 

After investigating myself, it was an obvious scam with multiple threads on the internet involving XXXX XXXX, The Residency Collection, and Platinum Marketing. 

I sent a detailed letter with documentation disputing on the basis of fraudulent representation and failure to meet terms and conditions of the contract. The claim was denied. 

I contacted BOA again and had to walk them through the contract where the terms were not met, and this was a supervisor. BOA is holding fast that they can not collect from XXXX based on fraud, only a billing dispute, and the dispute has to be worded accordingly. The supervisor agreed to file another dispute focusing on failure to meet terms and conditions. The second dispute is in progress. 

This is absurd. I have fraud protection services with them. If they see suspicious activity, they will contact me and ask if I made the transaction. If I say no, they will stop payment. When I said I did sign a contract, but it was highly suspect of being fraud, they would not stop payment. 

XXXX and BOA should better protect their consumers/customers. BOA will get 12.99 % interest on the charge if they deny the claim. XXXX get a cut with every swipe of a credit card. I have all details I can forward or attach as PDF files. CREDIT CARD HAS BEEN CANCELLED TO PREVENT POSSIBILITY OF FURTHER FRAUD. Please contact me with any questions or guidance in this matter. 

Respectfully submitted, hopeful citizen.
This company has failed to provide me with validation of an account I had disputed by mail correspondence sent to them last month. 
This is a debt I believe to be frivolous and the company 's failure to respond with validation proves that this is indeed a frivolous account. 
Additionally this company is reporting the account on my credit report as a past due account from last month and making it look as though this account is a recent account. This constitutes illegal reporting of the account.
I had a federal student loan with XXXX ( now Navient. ). I 've been paying it since XX/XX/XXXX. The original amount was $ XXXXwith XXXX still outstanding. I 'm having trouble getting statements from Navient. Paid {$59.00} on XX/XX/XXXX and received a notice dated XX/XX/XXXX stating that my payment ( in XX/XX/XXXX due XX/XX/XXXX ) was not received and that {$28.00} was now overdue. 

I only have XXXX XXXX benefits to live on and feel that Navient is just harassing me about payments. Can you help?
1. In a letter dated XX/XX/XXXX, I requested XXXX XXXX , XXXX ( " XXXX '' ), my mortgage servicer, to remove unfair reportings to my credit reports of : 180 days late to Equifax and XXXX ; and 120 days late to XXXX. I have a certified mail proof of delivery receipt dated XX/XX/XXXX. Thus, XXXX 's 30 day deadline was XX/XX/XXXX. 2. I obtained a copy of my Equifax, XXXX, and XXXX credit reports on XX/XX/XXXX, well after XXXX 's deadline of XX/XX/XXXX. Again, XXXX was required by federal law to place a " notice of dispute '' on my accounts no later than JXX/XX/XXXX. 
3. In a letter dated XX/XX/XXXX, I notified XXXX that it had not placed a notice of dispute on my Equifax, XXXX, and XXXX   credit reports within 30 days. Thus, federal laws requires XXXX to completely remove the items reported late from each of my credit reports. 
4. XXXX still has not complied with federal law. The late reportings are still on each one of my credit reports and I want them removed.
XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Wells Fargo Headquarters XXXX XXXX XXXX XXXX, President and CEO XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear XXXX XXXX, To say that I am upset is an understatement. I am livid. I am really really upset with Wells Fargo Bank and its shady banking practices. The only reason that my wife and I switched to Wells Fargo from XXXX XXXX XXXX was because it was closer to our home and now I regret switching. I have been duped, tricked and lied to by Wells Fargo Bank. I am sending this letter out to the president and all of the bank managers of Wells Fargo Bank in my area to let you know how upset I am with your bank and its unethical banking practices. Today, I was embarrassed when I went to the store and my card was denied for insufficient funds. This had to be a mistake. I check my account on my mobile phone each day to see transactions. The problem is that Wells Fargo uses a system that is designed to give you FALSE information regarding your transactions and balances. This is XXXX of several transaction examples. On XX/XX/XXXX, I paid my XXXX cell phone bill in the amount of {$620.00}. Instantly, XXXX notifies me that my transaction was successful. My XXXX account shows Paid in Full on XX/XX/XXXX. When I look at my Wells Fargo mobile app, it ALSO shows that {$620.00}, was taken from my account, leaving me X amount as a balance. Now, today XX/XX/XXXX, after my card was denied, a Wells Fargo Rep informs me that NO, the money did n't come out of your account on XX/XX/XXXX as XXXX AND Wells Fargo statements said it did. It along with several other transactions came out of my account ALL on the same day, XX/XX/XXXX. During this time, Wells Fargo 's mobile app has been giving me false balances. The result is that their system then is able to charge you a {$35.00} overdraft fee. This is OUTRAGEOUS!!! When I explained how deceiving this practice was, the representative was quick to credit the {$35.00}. The problem was that since I was given wrong balances showing higher balances, I was overdrawn by {$300.00}. No amount of I apologize for the inconvenience, did any good. That gesture did little to help me. I informed him that the Wells Fargo app can not be trusted as your system gives out misleading balances. And at the end of the conversation, the representative could n't even with a clear conscience say, Have I satisfied your concerns? or We value you as a loyal customer. I TRUSTED your bank and mobile app to tell me the truth. I was lied to by your bank executives who encouraged me to track my account with this app. They KNEW full well that the Wells Fargo banking system gives deceptive information. I am mortified that I put my trust in your bank. Your other customers need to be made aware of these practices. It is my hope that this exposure brings an end to this dishonest practice. Extremely Upset, XXXX XXXX XXXX XXXXXXXXXXXX XXXX CC : President and CEO of Wells Fargo Bank All Wells Fargo Bank XXXX in this area XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX The Better Business Bureau File
This account is showing duplicate and is stuck in a passed due balance. Two days ago I applied and paid for an official transcripts to be sent to my new employer. However, they canceled my order due to a financial hold on my student account. I asked them what was the hold. They told me I owe {$18.00} for a book that I returned late or something, which is ridiculous because it was a bit over 8 years and I never got a notification of that. I actually requested transcripts to be sent to jobs in the past and that has never been an issue. and now that I look at my Credit report the way its reporting is incorrect. I need this corrected.
I had to put a freeze on my credit in 2017 after someone had stolen my identity. I am now trying to purchase a home and am having a great deal of difficulty with Transunion in terms of getting a PIN number to release the freeze. I have contacted the company numerous times over the last month to have my PIN sent and am always told I will receive it within 3 to 5 business days. That does not happen. Every time I contact someone my call is directed to a switchboard in XXXX ( not a problem ) and there is a slight language barrier. I have had the folks repeat my mailing address back to me and it is indeed correct but to my great frustration I never receive the information I request or any paperwork at all. I have been informed that they can not fax, can email, nor can I pay to have it overnighted. I need a resolution to this issue soon and do not want to take legal action.
they call me everyday sometimes 2-4 times in 1 day, they call my job 2-3 times a day, and they even send text messages everyday to my phone. Is there anything I can do, I owe them and pay but I pay late but the calls so often make life even more XXXX.
In early XXXX I received a letter from First Collect dated for XX/XX/XXXX. It was a debt collection notice. There were 4 accounts listed as past due for a total of {$1000.00}. On XX/XX/XXXX I sent a certified letter for debt validation to First Collect. On XX/XX/XXXX I received a response from First Collect. It was another past due account notice, but only two accounts were listed for a total of {$520.00}. The letter stated that they have suggested that their client take legal action against me. They have failed to provide enough information to validate that this debt is mine and I am suggesting that they cease collection on this debt if they can not provide evidence that this debt is mine.
This company has been contacting me for a debt I do not owe, this account is not mine, I have disputed the account multiple times. They are reporting XXXX different amounts, they are stating i owe, {$220.00}, {$300.00}, {$310.00} and {$360.00}. I have never opened an account with this company and would like this account removed from my credit reports this is a violation of Fair Credit Reporting Act
Company Making RoboCalls : Municipal Services Bureau Their Phone Number : XXXX My Complaint Against Them : I am retired and have been debt-free for over 30 years now. I keep getting RoboCalls from this company, and they do n't even mention me by name when-making these automated-calls ... which leaves me to believe it is some kind of SCAM or MISTAKE on their-part. Perhaps they are 'seeking to find ' someone ELSE, however - it ANNOYS me to be getting 8-10 calls a WEEK from these people ...! Are-they 'human ' - or are-they ... ROBOTS?
I had check my credit an found some late payments on my credit report, I have written 4 letter to XXXX  and innovis requesting a validation or deletion of these inaccurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA section 609b, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call, etc.. .XXXX  has removed this inacurate or unverified reporting, I have sent a copy of it.

This is a clear violation of the law and it will be reported with FTC, for these violations as well as this complaint constitude proof in a court of law for litigation.
I attempted to acquire a loan with a lending company. However, they were n't able to lend me as much due to my credit history. This was the XXXX time I had ever applied for a loan. I had never applied for a loan and to my astonishment, the lender revealed to me that I had applied for a credit card with XXXX in 2010 and made a payment substantially late. Four months approximately. I did n't even recognize the company nor I had no idea where you can apply for a credit card. I was in college at the time and I had no need for a credit card since I had scholarships to aid my expenses. So I am baffled as to how that ended up in my credit history. I called to both, the Credit Bureau ( TransUnion ) & XXXX, and they had told me that it will take about a month to get back with me to verify this information and also send me a letter via mail. I never gotten a written statement in regards of the issue. I called again to the credit company ( XXXX ) and again they directed me to the fraud department and stated they do n't have any information or record ov me getting a card with them and will send me a written letter via mail about the predicament. Again, after a year, I have n't received anything.
I complained once already ~ I heard from XXXX XXXX at Discover Student Loans on XX/XX/XXXX. I have not yet once been able to contact her. ( What a joke. ) She does n't actually ever answer her phone. She told me to call the forbearance department. The XXXX time, back in late XXXX, they told me I had to wait until my payment was almost due on XXXX XXXX. I called back today and the guy was explaining that my payments will be larger - almost trying to scare me out of doing a lower payment plan for 6 months. This seems outrageous - what kind of financial help is this? I did understand that they are refusing to extend the terms of the loan. *BUT* they gave me *FALSE INFO* from the beginning and I promise you a rep there told me I could do income based repayment back in Fall XX/XX/XXXX before I signed up with them. But they do n't have a recording -- they do n't care. They are not losing anything in their eyes. All I needed was an estimate of what my loan will look like month-to-month after I go on a reduced payment plan and the guy, XXXX, I believe, he said " Sorry we do n't do that. '' Is that customer service? No, that is pathetic. That is what that is. They care very little. This is called financial slavery. And I could re-finance with another company but get the same exact rates and then destroy my husband 's credit score with a large loan like that. Outrageous - I basically went to college so I could be in financial prison. I can barely afford to pay for my housing and food when I 'm paying $ XXXX/month on student loans - what the heck was the point of college? WHAT A JOKE. Do n't ever sign up for private loans ever!
Recently refinanced a XXXX loan with XXXX XXXX via the servicer LendKey. Due to the high cost of my student loan payments, I typically work with the loan servicers ( I 've had 2 different servicers prior ) to adjust the due date to the XXXX of each month. This helps me to spread large bills to different paychecks. <P/>I reached out via phone to LendKey in XXXX 2016 to change my automatic payments to the XXXX, and they refused. They accept payments only on the XXXX of each month. This can cause an undue burden on borrowers who rent ( among other examples ) because rent is typically due on the XXXX of the month. <P/>They had no substantive answer other than " The due date is at the discretion of the lender. '' LendKey is the first and only loan servicer I 've seen who refuses to grant this simple ( but impactful ) request.