WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015, I filed a law suit against Midland Mortgage for an alleged loan that was in default. The case is still pending in XXXX XXXX XXXX Court. I received the attached threatening letter from XXXX XXXX XXXX ( debt collectors ) stating my home is in foreclosure as a result of the property owner 's default. XXXX XXXX XXXX did not obtain my prior consent to contact or speak to me. This is identity thief because you have my name and address and have communicated with me via the mail without my consent. The letter states " within the next XXXX XXXX days, title to the property is expected to be transferred to Midland Mortgage, a division of MidFirst Bank. Sometime thereafter, ownership of the property will probably be transferred to the Secretary XXXX ( XXXX ) ''. I dispute the letter in its entirety. What allegedly account number and loan number? Is XXXX Bank, Midland Mortgage, and MidFirst Bank XXXX in the same? This is deceptive collection. Who are you hiding behind? Are you a creditor? XXXX XXXX did not validate nor verify anything. Where is the alleged debt validation or verification? Please cease communications until the alleged debt is validated and verified and my questions answered. Who are all of these people? I will sent a Notice of Dispute and Debt Validation Notice along with a copy of the case filed against XXXX Bank, excluding my private information. If you would like to be added to the case that exist in XXXX XXXX against XXXX Bank, please let me know. If the alleged loan is expected to be transferred to XXXX Mortgage and will probably be transferred to XXXX, who allegedly owns the loan in default now? Is it MidFirst Bank? Why is a XXXX account number at the top of your letter if they do not have the alleged loan now? If they have the alleged loan now, why did you sent a XXXX employment verification form and a XXXX Occupancy Conveyance Form if XXXX does not have the alleged loan? If they have the alleged loan, they would have the information that you are requesting. Why should I send my private personal information to a debt collector? I will also add damages for the violations that you have committed against me utilizing my protections under the Fair Debt Collection Practice Act. This is fraudulent, deceptive collections and a threat against me as a natural person, consumer, and creditor.
On XX/XX/XXXX our daughter turned in her leased XXXX to XXXX XXXX & leased another XXXX. She was over her mile yet the dealer never mentioned it to her. the next thing we know, we get a notice from XXXX that both my daughter & my wife ( who co-signed ) were put in for a charge off. We did n't even know we owed them money they never made any attempt prior to this to collect that debt. My wife took out a loan & paid the {$4500.00} to XXXX. We just found out thatthat charge off is still showing up on my wife 's credit report stating the {$4500.00} has not been paid. I sent a letter to the President of XXXX regarding this matter but never heard from him. A credit mgr told us this may be revenge as the charge off is off my daughters report but not ours. 

XXXX did this to me as well, a few years back the repossessed my XX/XX/XXXX XXXX XXXX. My business went down & I found myself in a very bad place & I understood this. I got a letter from them stating I owed them {$6000.00} for the amount owed after the auction. The same day I getthe letter I get a phone call from a collection agency stating I owe them the approx ab=mount of {$6000.00} but they will take approx {$4500.00} a payment. They advised me this account was in a charge off. A XXXX charge off by XXXX without making any effort to give me a chance to pay it off. I advised the collection agency I will pay the full amount once the charge off was removed. I was told they could n't do that, I advised them there was no upside to me paying the debt as 1 - I had no car ... 2 ) it was a bad report on my credit & 3 ) I would be out the {$6000.00}. I also advised them that the repo guys in pulling out of my driveway very fast because I was out walking my dog bottomed out & damaged the left front bumper which was n't repaired. This would have had an effect on the sale price. I did n't feel I should have to pay for that as well. I understood & was n't angry about the repo. However at XXXX on a snowing Saturday morning XXXX guys are running around my neighborhood Yelling repossession over & over again as I asked if I could just get my stuff out. I had to travel XXXX hrs round trip to get my stuff That is when I saw how bad the bumper was & that it was n't repaired. 

The bottom line is Honda Finance puts a charge off on your credit even though they did n't attempt to collect the debt XXXX. I complained to both XXXX & my Senators, crongress women & state representatives & have not even receive an acknowledgement form them.
Credit card balance was paid in full in  XXXX   2015,   however on credit report still show as not paid.
I paid off two ( 2 ) credit cards two months ago. XXXX has the correct information but Equifax still has old information even though I sent them the updated confirmation. This inaccurate information is hurting my credit.
This account was opened XX/XX/XXXX. I have n't had them in well over 7 years. I keep disputing it Experian is indicating I can not reinvestigate. This account keeps getting re-aged. Report shows opened in XX/XX/XXXX with history for only XX/XX/XXXX and XX/XX/XXXX as failed to pay.
I went directly thru Bank of America to get pre approved for my car loan. Once I found the car I wanted to purchase I went to the dealership and took with me the approval letter. I called Bank of America to get the status of the Loan a week after having my new car. i was told that because I had gone to a preferred dealership I needed to follow up with them. I was really upset and explained to them that the main reason I got approved directly thru Bank of America was to avoid dealing with the dealership. I immediately asked for my issue to be escalated. The representative said she would escalate the issue but I never received a call from the escalation department. A few days passed and the dealer contacted me stating that my rate had increased due to having been {$1400.00} over my approval amount. I called the lender again and was told that all was resolved and we reached a new agreement. A new approval amount was uploaded to the system and when the fewer called to confirm new terms Bank of America said that the loan was back in UW. How can an approval be given in WRITTING before an UW looks at it. Again I called lender and they said that I needed to go back to my dealer for answers. Why do I have to go back to the dealer when they did n't tAke care of my financing? I submitted my loan directly thru bank of Americas website!!! To make matters worse I was. Ever assigned a loan officer and ifs a loan officer is assigned it 's out of formality because no one has ever reached out by either mail or phone to introduce themselves, which makes this process even more confusing. So to sum it all up I was not assigned a point of contact, I am being mislead as to what the reasons of various UW are and although I have asked for my loan to be escalated no one has reached out. My application is about to expire on XXXX XXXX and I refuse to have my credit pulled again when it 's not my fault.
Repeated recorded calls to my home. I returned call. Was told they were looking for XXXX. I very politely told them they had the wrong phone number - no XXXX name XXXX lives here. Furthermore I do not know a XXXX. Still calling my home repeatedly. I attempted to call & tell them again that they have the wrong number but was unable as I now get a recording that they will not accept calls from my number. This is harassment! They keep calling my home with no purpose. Leaving messages to call them immediately while blocking calls from me.
Last month, in XX/XX/XXXX, a Collection Account by XXXX XXXX XXXX was placed on my Transunion Credit Report. The Date of First Delinquency shows as XX/XX/XXXX ; Why wait 6 years later after the Date of First Delinquency to place this on my Credit Report??!! The original creditor for this Collection Account is XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of doing business with this company AFTER my Chapter XXXX Bankruptcy filing in XX/XX/XXXX, which was 8 years ago. The public record for my Chapter XXXX bankruptcy filing is on my Transunion, XXXX, and XXXX Credit Reports until XX/XX/XXXX. The Date of First Delinquency for this Collect Account must have been re-aged to the year XXXX in order to place it on my Credit Report. Re-aging Account dates, especially the Date of First Delinquency, is a serious FCRA offense. I have tried to dispute this Collection Account with Transunion because it is too old, which is past 7 years since the correct Date of First Delinquency ... Reference FCRA Section 623 ( a ) ( 5 ) ( A ). This erroneous Collection Account is holding up processing of my current Home Refinancing application.
Secured line of credit opened for {$200.00}. {$99.00} deposit was required and paid. Account was blocked and flagged for fraud due to deposit coming from bank account that did not belong to account holder but was authorized. Capital one requested identification, bank statements. Identification was provided and bank statements verifying account ownership was verified. Capital one further requested social security card ; due to extingent circumstances and time constraints a social security card was not obtained and account holder requested the account to be closed. Capital one closed the account ; however there is a credit/refund balance due. Capital one issued a refund payment ; however account holder has since moved and refund payment was returned. Capital one is refusing to update address and has further more requested ssa card, utility bill, and bank statement for account holder! It 's absolutely ridiculous. Account holder only wants to receive balanced owed to them, Capital One has suffered no loss and there is no risk.Account holder has been 100 % cooperative with Capital One ; however Capital One is being egregious with their assumptions of fraud.
I have several months of negative reporting for Acct # XXXX from XX/XX/XXXX, which is showing " pays as agreed '' however, it's showing delinquent for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During these time my loan was actually in Deferment/Forbearance status. So this credit reporting is inaccurate and should not be negative on my credit report. I DO NOT want my loans to be removed because of the age of the account, which I need on my credit report for history. 

This same complaint was made in XX/XX/XXXX. Complaint ID # XXXX. Navient responded with, the late/delinquencies were removed for XX/XX/XXXX and XX/XX/XXXX. Also, I spoke with a Navient advocate in XX/XX/XXXX and she also removed the delinquency from XX/XX/XXXX. Now as of XX/XX/XXXX, the delinquency from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is now back on my current Equifax report which caused my score to drop. So very frustrating!!!! 

I called XXXX XXXX customer service number twice and they saw that it was corrected last year. The Navient customer service dept stated, they will have someone call me. I am still waiting. Also, why do I have to keep going through this same thing again. Stressful and depressing.
I am submitted several disputes to equifax, XXXX and experience and they all come back as verified. I just submitted a dispute with each of them inXX/XX/XXXX and again in XXXX 2017 and the same results. I also email each of the companies and on report and XXXX XXXX back sent a packet that included billing statements. The issue of inaccuracies was never address.
I negotiated a loan modification for my home loan in XX/XX/XXXX. Nationstar is the servicing lender. I have made full payments under the modification agreement from the beginning. Nationstar has at times refused my payments, charged unauthorized fees without explanation, damaged my payment history and placed me in a position of possible default. They have insisted on phone consultations regarding these matters. Beginning with the XX/XX/XXXX payment I began to make my payments only with certified funds delivered to them by certified mail to establish a legal record of my communication with them. In prior phone consultations their representatives made statements that were not true and Nationstar followed up with charges, fees, misapplication of payments and other actions not authorized under the modification agreement. Available by request are 1 ) the modification agreement ; 2 ) XX/XX/XXXX cover letter with payment ; and 3 ) XX/XX/XXXX letter with payment. I request any assistance with this matter that you can offer.
I received this letter stating I was placed in the collection agency by XXXX XXXX, whom Ive never done business with.
Since Equifax security has been breached by an unknown Hacker or Hackers, it would appear that my personal and financial information is in jeopardy. In an effort to secure and protect my identity, I have attempted to put a Security freeze with Equifax on the financial information of myself and my spouse. I have attempted numerous times to enroll online with Equifax. Each attempt has been rejected by Equifax. I have attempted to call Equifax ( XXXX ) and have been rerouted to a telephone number that does not pick up. I was able to enroll with XXXX and XXXX for a Security freeze without any problem. It would appear that Equifax has failed to securely safe guard my and others personal and financial information and further engages in a deceptive manner while I attempt to place a Security freeze on my and my spouses personal and financial information. I have lost all trust in Equifax and would ask that an investigation be conducted regarding the business practices of Equifax.
My current home loan is at 74.4 % LTV, I have requested that PHH Mortgage drop the PMI on my loan. This should have been done automatically when I hit 78 % or below. They are refusing to drop the PMI because I had one delinquent payment in the past year 5 months ago. The loan is current and has been current since. Requirements state that they have to drop PMI automatically once the loan is below 78 % and is current. PHH is refusing to comply with this requirement. I have requested this by phone and in writing, and they refuse to comply with my request.
These companies have caused my credit score to drop XXXX points do toHARD INQUIRESXXXXXX/XX/XXXXXXXXXXXXXX/XX/XXXXXX/XX/XXXX XXXXFinanceXXXX XXXXXXXX XXXX, XXXX XXXXMisc. 
I XXXX XXXX do want these removed.
After receiving the final Closing Disclosure on the day of closing, I noticed that I was charged twice for the Upfront XXXX ( it was financed with the price of my loan and added onto my closing costs ). I contacted the lending agent and he said my closing agent will explain to me how I 'm not being charged twice. So I contacted the closing agent and explained the issue and he said my lending agent would need to address the issue. Then I call the lending agent back and he threatened that I could close that day if I wanted this corrected. I was purchasing a home XXXX miles away from where I lived. I had taken time off work, secured movers and had all my stuff in the moving truck. If I did not close that Friday ( XXXX/XXXX/2016 - the week before XXXX ), it would have cost me more than the {$2300.00} upfront XXXX fee, to reschedule the close so I signed the documents. Needless to say I have been very upset about this ever since that day. To see on paper that I was being cheated but no way to get the issue resolved fairly and get the move done successfully.
This is in regard to a HELOC that should have been closed at closing of selling home. US Bank is charging me {$75.00} a year for an equity line of credit attached to a home I no longer own. I requested during closing of house and was told that it would automatically be closed since I do not own the own. I then took a statement of {$75.00} to XXXX XXXX XXXX, XXXX, US Bank and asked them to close the account. They said sure not a problem. 3 years later, I am trying to buy a new home and this is still showing on my credit and I now owe {$220.00}. I 've talked to the mortgage loan department and they say I owe, however I do not have access to this line of credit. I 've talked to the USBank XXXX branch again and they keep putting me off and that I will need to pay the {$220.00} in order to close the account. XXXX at XXXX branch acknowledges that I do not have access to this line of credit since I do not own the home. My complaint is to somehow help me get US Bank to close this line of credit attached to a home I do not own. USBank insist that I pay the fee of $ XXXX year even though I do not own the home of XXXX XXXX XXXX XXXX, XXXX, that the equity line of credit is attached. 
Thank you for your assistance in getting this matter resolved. 
XXXX XXXX
I continue to get calls from XXXX, who state they are a debt collector. I have no debts, other than a couple of credit cards, which I pay off monthly. I have no idea why they keep calling me.
I gave a NetSpend Debit XXXX card to my XXXX year old daughter as a gift. The amount I purchased was {$120.00} There was an additional fee of XXXX, so the total paid by me was {$120.00}. 

When my daughter called to activate the card the service representative requested her social security number and her drivers license number. She gave the service representative this information and only to be told that they could not verify her identity and the card could not be activated. 

Calls to NetSpend 's customer help line XXXX does not provide access to any customer service rep. The caller is cut off after a few minutes even after providing requested personal information. 

An email to NetSpends Customer service address has gone unanswered.
MY HUSBAND XXXX XXXX XXXXPURCHASED A MOBILE HOME IN XXXX XXXX XXXX { NOW OWNED BY YES COMMUNITIES ] IN XXXX/XXXX/2010 THE CONTRACT WAS THAT WE STAYED IN THE COMMUNITY FOR 4 YRS. WE ASKED ABOUT MOVING A LITTLE BEFORE THE FOUR YEARS WERE UP AND WE ASKED WHAT WOLD BE THE CHARGE TO MOVE OUT EARLY. I RECIEVED AN E- MAIL OF THAT PART OF THE CONTRACT FROM AN XXXX EMPLOYEE NAMED XXXX . WHEN I GOT THE COPIES I NOTICED THAT MY HUSBAND SIGNATURE WAS FORGED BY XXXX XXXX I HAVE THE COPY. SHE SIGNED MY HUSBANDS NAME ON THIS DOCUMENT, AND WE NEVER HAD THE COPIES IN OUR ORIGANAL PAPERS. WHEN WE CINTACTED XXXX XXXX THEY WOULD NOT RESPOND. WE WENT TO A LAWYER AND FOUND SOMEONE TO TAKE IT ON A CONTINGENCY. 
IT HAS NOW BEEN OVER 2 YRS AND THEY STILL HAVE NOT COMPLETED. MY HUSBAND AND I WANT TO MOVE FROM THIS COMMUNITY, BUT I HAVE BEEN TOLD WE CAN NOT MOVE THIS TRAILER NOW UNLESS WE PAY IT OF????? THIS WAS TOLD TO ME BY 21ST MORTGAGE OUT OF KNOXVILE TN.. WE WANT JUSTICE FOR THIS AND NEED AS SOON AS WE CAN TO RESOLVE THIS ISSUE
Re : response to complaint XXXX. 
My letter dated XX/XX/2017 is requesting you provide me with the contract I have signed with American Account & Advisors , Inc. that I owe the debt to American Account & Advisors , Inc.. You stated you sent me an itemized statement on XX/XX/2017, this has not been received. In addition, sending an itemized statement is not a binding contract which you are required to provide to validate the debt. 
Since you are unable to provide evidence of a contractual obligation to pay American Account & Advisors , Inc. the debt, you are required by Federal Law to remove these items from my credit report. 
The following accounts must be removed immediately : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
If items are not removed by XX/XX/XXXX I will be filing small claims action against American Account Advisors Inc. & XXXX.
After multiple letters and phone call these inquiries and accounts are still not deleted, need info deleted from credit bureu. 
Please delete inquiries I did not approve or have account with these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I'm filing a complaint regarding a 3rd party collection agency, XXXX XXXX  XXXX, XXXX XXXX In XXXX, IL for harassing and illegal threatening me for a debt. I asked for validation by sending them 2 different certified letters in the mail that were enough days apart, but still no true validation that the debt is mine.

Cavalry SPV {$1500.00}
XXXX personal loans is reporting that I am more than 30 days late on 3 payments which isn't true I have bank statements and XXXX statements showing I've paid them. I contacted the credit agencies as well as XXXX and they reassured me the problem would be resolved but it's not and it's ruining my credit.
Logged into my Bank of America Credit Card account to make payment. Two payments had been made that month ; not late and one late payment in the cards history, over several years. Credit account with Bank of American for over a decade. 

Upon loggin into my account, I noticed it was closed the day prior. After contacting the service department, they stated that I had used excessive credit and assumed I was a risk, closing my account without notice with a balance outstanding. 

I just checked my credit score yesterday and realized that this had negatively effected my credit score by XXXX points, due to a balance being left over during closing. 

There was no notification for allowing me to transfer the balance to another credit company or at the very least, pay it off or reduction prior. 

If I 'm not mistaken, credit card companies, within the United States must give at least 45-days notice prior to closing credit accounts or changing terms.
I received an email from American Educational Services ( AES ) to my school district protected account. AES was offering a student loan consultation service for the student loan forgiveness program. I was told they were contracted with XXXX XXXX XXXX. I was charged a {$390.00} fee for their services. After speaking with Fed Loan Servicing, I feel as if this is a scam. They stated that I should not have been charged a fee for this assistance.
I have received at least 2 letters from Central Financial Control attempting to collect a debt that was paid in XXXX 2016. After the 1st letter I sent a letter disputing the charges and requested proof that they had a right to collect. That was on XXXX XXXX, 2016. I just received another notice/bill ( XXXX/XXXX/2016 ) threatening to report this debt to the credit bureaus. 
Not sure how to make them stop sending these notices.
On XXXX XXXX, 2015 I received a phone call from Credit Management , LP regarding an alleged balance owned to XXXX in the amount of {$88.00}. On the same date I sent to Credit Management , LP a letter via certified mail disputing the debt and provided written confirmation of account cancellation effective XXXX XXXX, 2015 as well as payment in-full through that date. I requested that Credit Management update their records and cease & desist contacting me regarding this matter. I received signed confirmation of delivery of my certified letter, however Credit Management continues to contact me by phone with regularity, the most recent of which was today XXXX XXXX, 2015.
The medical debt appeared on my credit. No wriiten notification- for {$100.00}. The debt has been PAID with the original credit XXXX XXXX -