WillisBack/dataset-financial-user-claim huggingface dataset:
I 've received calls for months now in attempts to collect a debt for a payday loan I never received. The company calls themselves Debt Mediation Services out of XXXX FL In college, back in XXXX, I inquired about these types of loans but never actually took one out. The calls stopped for a while, after doing research I found it was a scam and so I just blocked their call any time I they called Today XXXX/XXXX/XXXX. I received a voicemail from XXXX XXXX at XXXX. I promptly blocked this number on my phone : XXXX I then get a call from my sister that she received a voicemail from Debt Mediation services from the same person attempting to reach me. Her number is my former phone number of XXXX I called him back after he called my sister. He said the same speech as the previous person that I owe {$990.00} but they will avoid wage garnishment and a lawsuit if I pay now in the amount of {$280.00}. I asked him if this conversation was recorded. He said yes. I told him that my family is not to be contacted in this matter. He told me he has the authority to contact anyone he needs to collect a debt. I asked him about where this money was deposited and what bank account it was. He said he did n't have the account but that it was for XXXX XXXX XXXX XXXX back in XXXX. I asked him if he was aware that I have n't had a bank account with XXXX since XXXX when XXXX XXXX XXXX bought it. He said it was irrelevant. I told him I was not interested in settling. He threatened me with " we 'll keep calling '' and I asked if he just threatened me and he attempted to backpedal. I terminated the call. And told my sister to block them.
On XXXX XXXX, XXXX, I contacted Comenity bank concerning a collect, I had no knowledge of. They notified be despite this fraudulent account. It had been sold, to a debt buyer- XXXX XXXX. At this time I wrote them a letter. I sent all communications certified, so no response until XXXX/XXXX/XXXX. My request to remove this account, with the XXXX bureaus has been disputed on XXXX. There has been correspondence from the original creditor. Which I have attached- with no validation. This company has made no effort to correct this account. 

XXXX from XXXX states that company verified the collection by using my maiden name and social number. Both information that can be found my lost military id, or lost drivers license.
XXXX XXXX WAS SEND CHAPTER XXXX BANKRUPTCY INFO. AND NOW MUST CANCEL DEBT AND REMOVE ALL NEGATIVE CREDIT REPORTING TO XXXX CHEXSYSYTEMS, XXXX ETC.
Specialized Loan Servicing ( SLS ) violated loss mitigation procedures pursuant to CFR XXXX Prohibition on a foreclosure sale and the Appeal Process. SLS knowingly miscalculated my monthly income after being provided with updated financial information via email, phone and fax. SLS also ignored my letter of Notice of Error and Requests for Information which was sent via email and fax.
I called Equifax multiple times about XXXX inquiries that are on my credit report that I did not make. All they do is inform me what an inquiry is. I explain to them i know what inquiries are, then they tell me they can not do anything about them. I even wrote letters to them explaining the situation. I have been trying to work with them for three months. Every time I ask for a supervisor they tell me they do not have one or they are unavailable. The inquiries are from XXXX ( XXXX 2016 ) and XXXX ( XXXX 2016 ).
Equifax has been non-compliant with removing the unverified account MEDICAL  XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that MEDICAL was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Mariner Finance XXXX is reporting a debt on my credit file. The debt belongs to a family member. They sent a check in the mail to my step daughter in her name for {$710.00} and she cashed it at her bank. She failed to pay the debt and after they failed to get payment from her they attached it to my social security number and changed my name on my credit file to her name. We have disputed the fraudulent debt with XXXX twice and the cfpb once, and they fixed it. Mariner however is still reporting it to XXXX under my social security number. XXXX has investigated it twice and are still saying it 's my debt. I have never been a customer of Mariner Finance and believe they have obtained my social security number, and are fraudulently and with malicious contempt to collect a debt under false pretenses
I have explained to the Company that I did not open this Credit Card and was not mine. Explained to them that I had contractors, construction workers at my home at the time, but could give any names, as I am not for sure who opened this account.
I have repeatedly ( three times ) mailed Equifax regarding their investigation of an unauthorized hard inquiry of my credit report. I understand that under FCRA they are required to provide a description of the actual procedure used, including name, address, and telephone number of anyone they contact. Each time I write to them requesting that, they send me a form letter that does not actually include that required information. Their responses, which seem to be simple auto-generated form letters, also ignore specific and relevant questions about the process and their investigation.
Hello, This company ( Portfolio Recovery ) has been attempting to collect a debt from me and are reporting it on my credit report. I've informed them that they are mistaken in saying I owe them anything. I've sent them disputes asking for records that PROVE I owe this debt, and all they send me in return is a billing statement summary with a one time transaction for {$1100.00}. I've even given them the benefit of proving this by sending me something that I signed that shows this to be true. I've also asked for various means of proof that they did an investigation, including names and dates, and they refuse to provide me with any. I sent a dispute informing them of my rights under the FDCPA in response to a letter I got from them dated XX/XX/XXXX on XX/XX/XXXX asking for the above items, and they sent me this generic billing statement dated XX/XX/XXXX. I sent another on XX/XX/XXXX, and they still didn't provide me with anything I requested under the FDCPA, again sending me only the same statement as before dated for XX/XX/XXXX. I sent one final letter on XX/XX/XXXX indicating that they were violating the law by not providing me with the requested items, even citing case law, and they sent me the EXACT same response as the former, but dated XX/XX/XXXX. This company is impeding my opportunities to advance financially by flagrantly breaking the law. 

Thanks in advance
XXXX XXXX XXXX transferred the servicing of my loan. I was XXXX payments into a FHA XXXX payment trial. I have continued to pay my monthly mortgage payment to my new servicer. Carrington Home loans. My previous foreclosure with XXXX XXXX XXXX was supposed to be dismissed once I accepted the Modification. Last week I had to attend a hearing with my private attorney and the XXXX XXXX XXXX attorney. The Judge wants to advance the foreclosure. I am afraid of losing my home during the modification. Carrington mortgage needs to dismiss the foreclosure and get my loan modification completed. Pursuant to the CFPB bulletin XXXX Your agency was concerned about loans being transferred during the modification process and this is exactly what has happened to me. Please help me get this resolved so that I can keep my home. Thanks, XXXX XXXX
XXXX, 2016 I was made aware of my redemption rights and moved forward with selling my property at XXXX XXXX XXXX XXXX. XXXX KS XXXX. 

XXXX, 2016 I arrived at my property and discovered someone had mowed the property, changed the locks, pad locked the garage door and fence gates and removed all of my personal items. At that point i contacted Bank of America and was transferred multiple times with no resolution. 

XXXX XXXX, 2016 I entered into a binding contract to sell my home and closing was scheduled for XXXX XXXX, 2016. 

XXXX XXXX, 2016 I researched Bank of America and emailed XXXX XXXX, Chief Administrative Officer. XXXX then passed me along to XXXX XXXX, SR VP Enterprise Customer Care Resolution. He called me the same day and I made him aware of my situation. XXXX and I began communicating through email after the initial call I received from him. He made a few phone calls and I received an email from him that day with what was supposed to be the lock-box code which was incorrect. The following day I received an apology from him and was given the correct code. 

XXXX XXXX, 2016 I sent XXXX XXXX an email stating i was able to get into my home and thanked him for his help I also asked him to confirm that I will NOT be charged anything done to the property as of XXXX XXXX ( locks, mowing, maintenance etc. ) XXXX XXXX, 2016 XXXX responded CORRECT. I have all of the emails saved as well if you need that documentation i would be glad to send it. 

XXXX XXXX, 2016 I went to my property to do some final maintenance and move the rest of my items out. When i arrived once again my house was locked up and my personal items were gone. I immediately emailed XXXX XXXX and called XXXX XXXX ( BOA Attorney at XXXX & XXXX ). XXXX answered the phone and I informed him of my situation and my frustration. He told me he would contact his client and I would hear from someone the following Monday so i could get my items back. 

As of this moment i have not heard a word anyone. 

The other issue i have is that XXXX XXXX Attorney for BOA emailed me the redemption quote on XXXX XXXX, 2016. We closed on my home the morning of Friday, XXXX XXXX, 2016. At XXXX that same day I received an " updated '' redemption quote with added charges by BOA. 

Contacts : XXXX XXXX, SR VP Enterprise Customer Care Resolution BOA XXXX XXXX XXXX, Attorney XXXX & XXXX XXXX
Out of no where this debt collection shows up on my XXXX credit report. I am a victim of a natural diaster Hurricane Katrina. XXXX investigated this from XXXX XXXX XXXX and removed it from my account. The very next month they began reporting it on my XXXX report.
My wife and I took out approximately {$24000.00} each in federal student loans, for a total {$48000.00}. We got married before either of us graduated from collage, but after graduation it was recommended that we consolidate our loans into XXXX. When we had originally taken out the loans, we were mislead ( lied to ) with regards to the interest rates, processing fees and repayment schedule. We had the original agreements, however our loans have been sold so many times that for a while we were not sure who was servicing our loans. Currently, Great Lakes is the company servicing our loans. As I mentioned, we borrowed approximately {$48000.00}, Great lakes claims that we owe a little over {$130000.00} and expect a payment of {$96000.00} now and {$8400.00} a month for an undisclosed amount of time. We have attempted to set a reasonable payment arrangement multiple times. We speak to an agent, negotiate terms that we can afford, the agent says that they will send the paper work. We fill out and return the forms and when we follow up on the status we would hear the same thing. " We are sorry, but that agent was not authorized to make that type of arrangement and is no longer with the company ''. We have been through this scenario no less than 20 times and our loans continue to get higher and higher. We are actually being charged interest on our interest. Instead of 8 %, we are being charged more like 75 %. And there is no limit to how much this balance can grow, even to the point that we can not service the interest.
This new complaint is associated with Complaint XXXX. I am convinced Bank of America ( BOA ) continues to find way to charge their customers more in fees and penalties to increase their profit margins. I transfer funds between my BOA Checking XXXX and Over Draft Protection or Credit Line accounts XXXX. Account XXXX has a limit of {$3600.00}. BOA lags between the time they are freezing my checking and in crediting the accounts receiving transfer funds. Then BOA charge me Non-sufficient Funds ( NSF ) when actually my two accounts have sufficient funds if BOA would not set on it They always give me the same excuse that personnel do not work on weekends and holidays. Their computers sure will hold funds from my checking on weekends and holidays. BOA should and could program their computers to do both transfer and pay at the same time. 

I received a letter yesterday ( Exhibit 9 ) stating {$400.00} NSF, which is incorrect. ( Exhibit 7 )  shows were I paid {$3400.00} on XX/XX/2018 to the Overdraft or Credit Line Account XXXX. ( Exhibit 6 ) shows BOA did not credit account XXXX the account until XX/XX/2018. They returned the payment of {$400.00} for NSF and charged me {$27.00} without checking on available funding in both accounts. I called BOA today asking why the funds were not credited or payment made. BOA said the payment was not paid. Exhibit 8 shows were I transferred {$400.00} again today to the XXXX account. Account XXXX does not show being credited as of now. 

BOA is too large to fail, but they need to reconsider all their charges and fee. They are destroying me with all of them.
My wife and I have separate accounts at XXXX an XXXX company ( They would n't let us combine them ) My wife 's yearly payment came due. For some unknown reason They used my credit card to pay her yearly bill. A card I did n't even know existed. It 's a capital one card ending on XXXX that was activated years earlier accidently an never used. It was not the credit card my wife was using to pay her account. Nor was I using it at all, ever.
This XXXX XXXX account showing Charge Off on my Equifax Credit report is not my account. I am listed as an authorized user. I have sent letters to Equifax and XXXX and neither have removed this from my credit report. It is really hurting my credit score and I need it removed.
i was attending school had been XXXX but my student loan money was put into my mothers account i had to rely on her for transportation i was planning on buying a vehicle to be able to get to and from school. i had dhs involvement and troubles with daycare and informed incorrect information by government agency. i also have had a car accident that resulted in XXXX with me being the almost fatality. i was a XXXX and have alot of XXXX issues. i since have had my rights terminated to my children and i have been trying to return to school. i also have my deffered judgment in regards to my XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
called me yesterday from a local number when the company is an out of state company told me I ether had to pay in full to day or start my monthly payments this month told them I could not start till a week from Friday and was told id have to pay in full today or pay in payments XXXX times a month with no other option it is to be believed the company is a scam company website looks fake called me from a local number when there out of state in Florida
Chapter XXXX Bankruptcy filed in XXXX. However, the Bankruptcy was never confirmed and was dismissed in XXXX by Court order. Order of the Bankruptcy Court specifically states ORDER DENYING BANKRUPTCY OF CHAPTER XXXX PLAN and DISMISSING CHAPTER XXXX CASE. EQUIFAX does not report this correctly. EQUIFAX only reports the Filing and the Dismissal on the credit report. EQUIFAX fails to report the DENIAL OF CONFIRMATION which effectively moots the bankruptcy.
I have gone through all three credit reporting companies : XXXX, TransUnion and XXXX. I have disputed all NON ACCOUNT HOLDING HARD INQURIES. Their response to me is " in the state of Michigan we do not have to investigate or remove them if you tell them they are not authorized ... '' I asked them if they have proof of my signature on file within their building and they just blow me off. They told me " I have have to contact each and every company on my own ... '' And so I have. Attached you will see all companies and correspondence if I have heard back from them. Still, with NO PROOF OF SIGNATURE STATING I REQUESTED CREDIT FROM THEM WITH MY HAND WRITTEN SIGNATURE-anyone can sign on to a computer and say they are me-THEY REFUSE TO DELETE THEIR INQUIRY '' XXXX XXXX has been the WORSE! I don't hold an account with them. I would never inquire to have an account with them and still they insist they do not have to remove my inquiry. 

I want all inquiries NON ACCOUNT HOLDING removed or I want XXXX per offense for defamation of character and for breaking the law.
XXXX XXXX XXXX XXXX XXXX The account was paid in full and I would like it removed from all three credit bureaus. This issue should have been resolved when final payment was submitted.
1 ) I was never made aware by Transworld Systems Incorporated ( TSI ) that they own a debt associated with my social security number. 
2 ) I was also never made aware by Transworld Systems Incorporated ( TSI XXXX that I am able to dispute this debt. This debt is due to identity fraud. 
3 ) Transworld Systems Incorporated ( TSI ) does not operate during the operating hours they have state on their prerecorded phone message ( XXXX ) and website. Numerous times in six months I have called and left voice messages asking for someone to contact me and noone from TSI has bothered to. 
4 ) Five times in the last six months I have requested a fraud packet via written mail and phone message from Transworld Systems Incorporated ( TSI ) and have still not recieved a fraud packet. 
5 ) Transworld Systems Incorporated ( TSI ) may be a ghost compant that does not truely exist or blatantly violates laws pertaining to debt collectors, as evidenced above.
Transunion poor displayed that they were charging {$20.00} for credit checking instead of a free credit report. They are not refunding the charge though I canceled within minutes of creating my account.
I contacted the bureau regarding a collection account that I do not believe I owe as it is from North Carolina at a time when my husband and I were in California. I asked for proof of where this random debt came from twice via certified letters once in around XXXX and I resubmitted a request for proof at the end of XXXX. It is currently XX/XX/18 and I have yet to see any documentation regarding this bill/collection account ( XXXX ) from the credit bureau or the collection agency.
XXXX Submitted on fraud issue : References : XXXX XXXX XXXX After attempting to get this problem fixed Equifax illegally froze my account without my authorization. 

The issue has finally been resolved but Equifax has not yet acknowledged, except on a phone call, that someone at Equifax broke the law when they added a freeze to my account after I specifically stated that they were not to do this. 

My whole issue here was that I wanted to be able to self-serve a freeze/unfreeze, so that if I needed to purchase something requiring a credit check I would easily be able to go into all three bureaus, unfreeze, make my purchase, and put the freeze back. 

What made matters worse is I didn't even KNOW this was done until I had a telephone conversation, and at that point she removed the freeze.
Bank of America is stating that is a " approved '' transaction when I have called multi times to retrieve my funds. Still not and they have declined the claim. I have reached out to number of different executives with no responces. I have YET to hear from the executive relations team to find a resolution to get my funds back. I have tried multi-times with no response on BOA. 

I don't understand how a company is still in business.
They are calling me on my work phone. I told them not to call here and gave them my cell phone number to contact instead. They stopped for a few days and now they are calling my work again.
I noticed an entry from Diversified Con. on my credit reports trying to collect a debt that I do not recognize. I 've had no contact with this company or the XXXX they claim to represent. This has caused stress.
A few years ago, I was trying to remove my co-signer from my current loans. The individual was working towards building a home and I wanted the process of obtaining a mortgage to go smoother for them. I contacted my loan provider to look into the process. I was told that 2 consecutive years of on time payments were the only requirement for having a co signer removed. I have more than 2 years of solid on time payments and was emailed the proper request form to have my co-signer removed. Shortly after turning in the completed request form, I received an email denying my request for co-signer removal. When I called and questioned why I was denied, the reason I was given was " due to my particular type of loan, I can never have my co-signer removed. '' I requested more information from the company in regards to " my type of loan, '' but never received any additional information. I 've had other issues towards the beginning of my loan repayment with trying to go on income based repayment plans, lowering apr %, or just findind a way to lower my monthly payments entirely. 12+ % has crippled my ability to repay at the high monthly payments. I have been paying this loan off for over 9 years and have barely made it to the half way point. The only option that was given to me was deferment. I 'm concerned that the company is refusing to work with me on my loans due to my issues of obtaining a co-signer when I was initially signed up. I was XXXX at the time and my parents were not accepted as a co-signer. My current co-signer was also initially rejected. Overall, I 'd like an explanation as to why I am so gridlocked with this loan and why information is not being provided to me in an accurate manner.
I have disputed negative information on my credit report from National Credit System 's Account number XXXX with XXXX several times under the FCRA. I have also sent supporting documentation from the XXXX County Magistrate showing where this debt was not valid. I have submitted copies of the ruling from the judge to XXXX on three separate occasions via certified mail. I am requesting that XXXX to delete this negative information ASAP per the fair credit reporting act. I have already filed a complaint with the State of Georgia Attorney General. If this information is not deleted under the FCRA, I will have no choice but to provide all supporting documentation to my attorney and proceed with taking legal action based off XXXX clearly ignoring federal law.
I had a Chase Credit Card payment due date scheduled for XX/XX/17 and subsequently made payment XX/XX/17 around XXXX XXXX. Chase still billed me a late fee of {$25.00} for " late payment '' though. After enquiring, I 've been told I had to make payment before XXXX XXXX ET. 
I live in California and do n't run my life according to ET. Payment was due XX/XX/17 and made more than full payment XXXX PST. It seems ridiculous and unfair to charge me late fees according to a time three time zones away.