WillisBack/dataset-financial-user-claim huggingface dataset:
I had XXXX loans transferred to Loancare Servicing from XXXX Mortgage. During the transfer process, I setup automatic payment, as I have done with all of my mortgages. They took all my payment information and told me things were set. A month later, I get a call regarding the mortgage payment. I informed the representative that this is the XXXX time now, that I am giving payment information. As the person is inputting my information, they see that the info is already in the system. They say this was odd, but tells me I 'm all set and there should be no more issues. I have this exact situation happen XXXX more times, I then requested to speak with a manager. The manager gets to the root of the problem. Apparently, there was a fee of some sort that needed to be cleared before payment could process. This was not mentioned to me prior and neither of the XXXX representatives I dealt with on the matter, knew about. The manager apologizes and processes that fee. I proceeded to ask why this was not mentioned prior and would their mistake affect my credit. The manager stated it was either new processors or a new process and my credit would not be affected. My entire mortgage history has been and was clean prior to their errors. Now my credit shows XXXX XXXX day lates that was their error, not mine. I have disputed this several times through XXXX XXXX and they keep sending it back as accurate.
A company named XXXX XXXX, XXXX from XXXX That went out off business for falsely billing XXXX and was raided by the XXXX. Has a Company Called Alpha Recovery there address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Phone number XXXX. They are trying to collect {$1400.00} Saying that a mental heath doctor ordered Labs. I called the mental health doctor and they said they never order labs for me and they don't ever order lab work he is a mental health councilor. 

Here is a Link backing up my information its a story of how and what happened at confirmatrix XXXX XXXX XXXX -- XXXX And here is a link to some one else having the same problem with the same company XXXX XXXX XXXX XXXXXXXX
There was a settlement for this credit card account. This account has been paid and it is closed now. Please remove from the all 3 credit reports immediately.
On Tuesday XX/XX/2018 I was sitting at my desk at work. I received a call on my cell phone at XXXX, no message left. Then my work line received a phone call. I picked it up an hung it up because, I advised Pacific Union Financial the only number to contact me is XXXX and my work line is a recorded line. He then in turned called back again. I work in a call center, I can't pick up the phone. While I understand that I am behind. I find this harassing. I had to place my caller on hold. I picked up the phone and advised him that he isn't authorized to call this number and hung up, because I was at work. He then called my cell number again and left a message. I understand that I owe a debt and I am behind. but this behavior is excessive and harassing. I reached out at lunch time to contact the mortgage company and advised them that I was filing a complaint with the CFPB. The representative that contacted me was XXXX,
I have sent numerous letters aboou t Northwest Collectors Inc. trying  to coooect a debt that is not mine. I tried contacting the original creditor,  which Northwest Collectors Inc. clai ms I owe, and there is no such company they claim. They have no file at the  XXXX   XXXX  hospital nor does the doctor mentioned know anything about this alleged account. So after my personal investigation this is a fraudulent account  and Northwest Collectors Inc. is   clearly providing false information of the original creditor. They can not provide any proof I actually owe them yet they still are reporting to all three major credit bureaus ;  XXXX ,  XXXX  and  XXXX .
XXXX shows me still on this loan. I was removed from it in XXXX, 2015. I originally co-signed my nephew 's student loans to attend XXXX XXXX XXXX, but assumed full responsibility for his loans one year ago.
I was called morning and night while being threatened to have my vehicle taken away from me during financial hardship. I was still able to make the payments and get it resolved but was still harassed. I was told all late fees would be removed and they were not removed. I was told I would not be called outside of normal hours and was constantly called outside of regular hours.
I have been having multiple uses with Nissan/Infiniti Finance. They have reported multiple late 's on my credit report that were no accurate. They have removed XXXX of the incorrect items, but as of today they have falsely reported me again. I have reached out to their team once again, but each time they do this I have to spend weeks trying to correct. 

On XXXX XXXX 2015, I made a full payment and their bill matrix billing system did not give me full credit for my payment and again they marked me late. This is separate incident from the previously mentioned false reports, but nonetheless is another issue I have had to deal with. 

Their customer service team is extremely poor mannered and have absolutely no intention of every resolving any issue. I have had a Supervisor as me to provide evidence of payments made, after providing them with their requested information they still did n't fix the issue. 

In my opinion this is the worst leasing company I have every dealt with and I will never lease another product from XXXX or XXXX, period.
This is my third letter to your company. I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX They show on my credit report that my account was closed on XX/XX/2018 and was included in a chapter XXXX bankruptcy. But, they have the account type listed as " Open Account ''. That is inaccurate. It has resulted in points coming off my credit score that should not have. I have disputed it unsuccessfully with both TransUnion and XXXX. They have been emailed by my attorney. At this point what they are doing is deliberate and malicious. I want the account type to be corrected and show that it is closed or for the account to be deleted from my report. Can they not be fined for deliberate malicious harassment?
I requested a debt validation to prortfolio recovery and they only send me a debt verification on XXXX XXXX certified mail with the confirmation number XXXX and a return to sender that was received on XXXX XXXX by XXXX XXXX. 

I received the verification letter on XXXX XXXX on the mail. 

On XXXX XXXX I resend them a letter that stated to send me a validation of the debt, the letter was send via certified mail with the confirmation number XXXX and they received on XXXX XXXX by XXXX XXXX and prortfolio recovery never respond to my certified letter
In 2007 I heard about the Public Service Loan Forgiveness Program. I called my loan servicer and made sure I was on track to be a part of this. The promise was that after 120 on time payments, the remainder of my loans would be forgiven. I was working in qualifying XXXX and my income was well within the parameters given to me. Last year I knew the 10 years was getting close so I started looking into the application needed to get the loans forgiven. Through this process my loan was sold to fedloan and they tell me that I have not made any qualifying payments. I called a couple of times and was told that there is a review process that takes up to 3 months to determine if my previous loans with XXXX XXXX count. They also told me that in the meantime, if I wanted to get on a qualifying payment program with then I would have to pay an extra {$100.00} a month. The way they made it sound was that the XXXX XXXX people misinformed me about the type of repayment plan I was on and that I would have to take it up with them. They do not exist anymore! I asked who would be able to look and my situation and make a rational decision. I was told nobody could, that there was no appeal process and that the policy guidelines are black and white. I have worked over ten years in XXXX XXXX XXXX, have always made my payments and just this last month my loan was sold to an external organization that says I have not made any qualifying payments and that if I started I would have to pay an extra {$100.00} a month.
I received a notice on my credit score about a debt. I called Gurstel Lawfirm PC to ask them to send me written proof that the debt was mine. I have contacted them 3 times to try to get this information and still nothing. I am trying to purchase a home and need this off of my credit in order to do so.
In XX/XX/XXXX-XX/XX/XXXXI was forced insurance when I was covered by my own XXXX XXXX. I was given years of fees, aprox. {$2000.00} and insurance aprox. {$3000.00}. that was added to my auto loan. Not knowing they were being under investigation in XX/XX/XXXX-XX/XX/XXXX for insurance fraud and fees. I was trying to do the right thing by trying to resolve my insurance problem, during this period i provided them with my auto insurance information to the Presidents Office by faxing it numerous times in XX/XX/XXXX. What I did not get, that I did not hear from them and I was still trying to reach out to them with no call backs. Until XX/XX/XXXX i was mailed a letter which they charged of my account, I suppose they did not want me to be aware of the scandal they were having. It is time they take responsibility for their actions and all the stress they caused me.
Equifax refuses to remove an account I disputed but notes the account as as a dispute with no removal. The account is not mine and Equifax is no help.
I star received a phone call from a collection a collection agency on XXXX/XXXX/XXXX and now still receivend letter in reference a XXXX deliquente accoun in the amoun of XXXX i never open a account with XXXX XXXX, of provide anyone with permission to obtain a account using my personal information, and no responsable for those charge, same XXXX they being colleccting tha mony from my
On  XXXX   XXXX  , 2017 I contacted Toyota Motor Financial Services because nega tive reporting appeared on my credit report. I am a cosigner on my step-daughters loan and apparently in     XX/XX/XXXX / XX/XX/XXXX  h er payments were late. She is in the  XXXX  and had set up auto-payments while out to see, but due to bank account issues her payments did not go through, unknown to her.     I was never even provided the courtesy of contact by  Toyota Financial in order to have an opportunity to make the payment s and prevent the negative reporting, nor was I ever notified a negative report had been made. I discovered it myself during an annual check of my credit repo rt. ( Comically, during my phone call with Toyota, they advised they had attempted to  call me  2-days befo re but left no message - I have no record of a call and even at that it was way AFTER the late payments had appeared on my credit report. ) This does not demonstrate compliance with this section of the code  : 623 - 15 U.S.C. 1681s-2 ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial   institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section  603 ( p ) furnis hes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.     When I discovered the negative reports on   XX/XX/XXXX ,  and contacted the company, I was advised to write a dispute letter noting that I was the cosigner and had never been contacted to make a payment before th e 30-day delinquency, nor even notified that not just   XXXX  , but   XXXX   negative reports had been made on my credit. I wrote a 2-page letter only to receive  an auto-reply form letter dated   XX/XX/XXXX , stating the information was correct. ( see attachment ) The reply did not even ad  dress the points I brought up regarding non-notification. To-date, I have still not been officially notified by Toyota of the negative consumer reports they sent to the credit bureaus in my name. I had also asked to receive monthly billing statements addressed in my name as a duplicate of what they mail to my step-daughter and they have failed to address that request as well. My question is how can the Creditor  hold the Co-signer responsible when I was never afforded the opportunity to be aware of, much less resolve the issue.  My   XXXX   credit score h as plummeted more than  XXXX  points from this specific issue. Is that really the way to treat a loya l Toyota customer of 40+ years? Is this truly legal?
my name is XXXX XXXX AND I AM FILIND A COMPLAINT AGAINST AMERICAN EXPRESS CREDIT CARD. I HAVE NEVER APPLIED FOR ONE I WAS GIVEN A CARD BY MY EMPLOYER AND WHEN THE BUSINESS CLOSED I WAS STUCK WITH THE DEBT OF THE CORPORATION. I AM NOT AN OFFICER OR PART OF THE CORPORATION, I WAS ONLY AN EMPLOYEE. I HAVE DISPUTED THE ACCOUNT WITH AMERICAN EXPRESS OVER FIVE MONTHS BACK AND FORTH ASKING THEM TO VERIFY THAT I HAVE SIGNED ANYTHING THAT MAKES ME LIABLE FOR THIS DEBT. AND THEY HAVE ONLY GIVEN MY AGREEMENT PAPERWORK WITH NOTHING BEARING MY SIGNATURE, THEY HAVE FILED A SUIT AGAINST ME WHEN I HAVE CLAIMED OVER AND OVER SEND ME THE AGREEMENT WITH MY SIGNATURE AND THERE WAS NOTHING SEND TO ME. IN ADDITION THEY HAVE VIOLATED FDCP S 807 FALSE AND MISLEADING INFORMATION DEFAMATION, IDENTITY FRAUD AND VIOLATION OF FAIR CREDIT REPORTING ACT. MY ACCOUNT WAS NOT EVEN MARKED AS DISPUTED UNTIL RECENTLY WHICH THE LAW SAYS IT HAS TO BE WITH IN 30 DAYS OF THE FIRST FORMAL DISPUTE LETTER RECEIVED WHICH WAS XXXX 2016. PLS HELP ME CLEAR MY NAME SINCE I NEVER APPLIED FOR THIS CARD OR EVER HAD AN AMERICAN EXPRESS. I DO HAVE RECORDS OF ALL CREDIT REPORTS AND CONFIRMATION SINCE ALL LETTERS SENT TO THE LAW FIRM AND AMERICAN EXPRESS WAS SIGNED FOR AND RECEIVED.
Documents dates from XX/XX/XXXX/XX/XX/XXXX as well as currently XX/XX/XXXX numbers, dates loan numbers and a lot of the information and documents are different that what I signed and what Im reviewing and the title company made me change my signature and Ive requested a copy of what is on file at XXXX XXXX XXXX XXXX the supposed title company and XXXX XXXX XXXX as well as previous mortgage company as well as requested copies of the appraisals and paperwork. As well as have gone to phfa and called agencies for counseling for home buyers at phfa.as well as my employers and tax documents. Each time Ive asked for copies the documents are changed or something is different and Ive sought an attorney as well as gone to my church.
On XX/XX/XXXX I contacted Chase that there were unauthorized charges on my credit/debit card in the following amounts : {$260.00} XXXX XXXX {$300.00} XXXX {$470.00} XXXX {$480.00} XXXX I reported that my card was stolen. 

On XX/XX/XXXX I completed the enclosed form and was given a temporary credit on XX/XX/XXXX. ( see attached forms ) On XX/XX/XXXX I was advised that they would be removing the temporary credit. When I contacted them they advised that since the PIN was used they were legitimate purchases. I again advised them that my card was stolen and that I had not made the purchases.
An employee called my wife telling my wife that I was in their bad debt and that something needs to be done today or they will Garnish my check. I have also spoke to the manager and district manager about this on several occasions. Several employee has been very disrespectful. They are giving my person information to 3rd parties.
Applied for a loan modification and was denied. I lost a source of income due to a XXXX. Never had a late payment in 12 years. I asked why my loan modification was denied, i was told because of insufficient income. That was the hole purpose of me filing a loan modification. They are not helping me with my situation and being able to keep my house
A Chase/XXXX credit card was opened without our consent. All materials including one card were mailed to our home. We called Chase to alert them and instead of being concerned about this mysterious opening they asked several times if we were sure we did not want this account. They said XXXX opened it. Chase did say they closed this new card account and said they 'd send us material on identity theft in the mail. Very suspicious.
I started receiving numerous " Restricted '' phone calls from a XXXX XXXX. He asked for information on whether someone would be available at an address they had on file so that the person they had on file may personally receive and sign for a document. I asked for more information and he would not provide any details so I hung up the phone. XXXX called back, I answered and told him that if he did n't have any additional information, that I was n't going to provide any additional information and I hung up. XXXX called again, this time I told him that if he wanted to communicate with this person that they could communicate only by mail. He said they could n't send this by mail, it had to be hand delivered. I said if this was collection related, by law they had to abide by the Fair Debt Collection Practices Act and I requested all validation of any debt be mailed to the address they had on file and to never call this number again. He then said that he was going to call me however many times he felt like calling. I hung up the phone. He called again and I recorded the conversation. This time, he proceeded to include information about a phone number and a case number I could call to retrieve more information and he hung up. Not sure why I need to call a number to retrieve more information after he harassed me with XXXX phone calls. Less than a week later, another restricted number starts calling me non-stop for 15 minutes. I finally called the number he provided and asked for them to identify the company I was calling, he said it was the filing department for Meridian Financial.
In 2016 I put credit freezes on all three credit reporting companies. XXXX XXXX, XXXX  and Experion because someone opened a XXXX XXXX credit card in my name. That issue was resolved but I was told anytime I need to have a credit inquiry done to call/use website and get a one time passcode/key for the lender to use. Last month because my car was totaled I did that. I got a passcode from TransUnion and Experion and was told to give it to the lenders to be able to access my account. Two very long days, lots of phone calls, frustration and embarrassment, I still could not get any credit. And I have, according to XXXX XXXX, who uses the credit reporting service for their information, a XXXX credit score. I should be able to get credit. Instead when the lenders tried to access my info it looked as if my assets were frozen or seized, compromised or I didn't have any. I ended up having to remove cash from my savings to purchase the vehicle. I still have yet to get any answers as to why this system didn't work or what can be done about it except to completely remove the freeze which I don't want to do. I do not need access that often ( once since 2016 ) so would like the protection the freeze offers, but not the hassle.
XXXX XXXX is reporting that I have not made any payments on a joint account. This issue has been discussed with wells fargo by XXXX XXXX. The issue was supposed to be fixed, but wells fargo has yet to fix my information. It is so bad, XXXX sold the mortgage to bay view loans. XXXX has not notified anyone about it, yet they are already claming that they have had an account for us as of 2008 and that we have not made a payment and that forclosure notices have been sent. No information has been sent and the payment information is wrong. Again, all payments have been made on time through auto pay plans.
In XXXX I took about a student loan with XXXX XXXX XXXX to cover my XXXX year at the University XXXX XXXX XXXX in XXXX, CA. Before my XXXX year was over, XXXX had notified me that my loan would no longer be serviced through them. My loan was then taken over by National Collegiate Trust, and soon began to be serviced by American Education Services. Since XXXX of XXXX ( 6 months after I graduated from the University XXXX ), I had made payments to fulfill the terms of this loan. 
In XXXX of XXXX, my parents began to the process to file for bankruptcy. My father is also the co-signer for XXXX of my XXXX private loans, including this loan. I found out on XXXX XXXX, XXXX that due the fact that my parents had filed for bankruptcy that my loan that was being serviced through AES auto-defaulted and I needed to contact National Collegiate Trust. I was given a phone number to reach NCT at, however this number was for XXXX a XXXX party debt collection agency. I called XXXX, to find out what the next step was for this issue and they stated that I was not in their database. 

As of right now, my loan is defaulted yet no payments were missed ( with the exception of a 3 month approved financial based hardship deferment ) and I wish/am able to continue to pay this loan and wish to fulfill this financial obligation.
I am paying this debt on my time. They call several times a day from morning till night. from several different numbers.
On XX/XX/2016, I received a debt collection letter from a company called Capital Accounts in the amount of {$310.00}. The only information provided was the name of the person retained by them, XXXX XXXX XXXX. On XX/XX/2016, in a written letter, I requested proof of the debt, the amount, date and time when incurred pursuant to the Fair Debt Collection Practices Act. On XXXX, I received a XXXX debt collection letter from Capital Accounts, ignoring my request for more information as outlined in my XX/XX/2016. In this XXXX letter the amount went from {$310.00} to {$310.00}, no explanation for the increase. Also there was included in the letter XXXX sentence that was threatening and very ominous sounding, " Do not ignore this letter. '' I am not sure what is meant by that sentence but it does have the effect of scaring me. I want proof of the debt and to date I have not received any proof despite requesting it. Capital Accounts should comply with the law when it attempts to collect a debt.
I called them to ask to consolidate my student loan and they placed a forbearance on my account that is not what I asked for
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Credit Reporting : Please be advised this is my second written request. The unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creators documentation on file to verify that this information is mine is correct. In the results of your fist investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA - You are required to " ... promptly DELETE all information which can not be verified '' The law is very clear as to the civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the fallowing accounts be deleted immediately. 
XXXX XXXX XXXX {$210.00} Thank You XXXX XXXX
Bank of America on XX/XX/2018 withdraw {$1200.00} from our checking account for a credit card charge off. The charge off is from an Corporate Account issued credit card. the account that the funds were taken from was a completely different account ( husband and wife/XXXX XXXX acct. ). We received no letter or notice that this was or had transpired. We are also going to receive overdrafts due to Bank of America taking these fund from our account.