WillisBack/dataset-financial-user-claim huggingface dataset:
1.Loan paid paid in full to XXXX XXXX XXXX XX/XX/2012 2. Account placed in collections to XXXX XXXX XXXX. 
3. XXXX XXXX XXXX submitted inaccurate information to TransUnion, dispite the multiple submitted documentation that proved the account was paid was paid in full. 
4. Multiple disputes with TransUnion to investigate and remove account. 
5. Account remains on my credit report dispite multiple submissions of Paid in Full records and disputes. 
6. Multiple inaccuracies found including dollar amount loaned, payments, and loan account numbers. 
7. Please review supported documentation.
I notified this company that this account does not belong to me and submitted a police report, which also proved this account is not mine, but they have not removed it from my credit report.
According to my recent credit report request from XXXX, XXXX, and Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

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

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND CREDITOR HAS NO CONTRACT OR AGREEMENT TO HAVE MY PERSONAL INFORMATION PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT SAYS I AM 30 DAYS LATE BUT I HAVE NEVER BEEN 30 DAYS LATE PLEASE REMOVE LATE PAYMENT MARK ON XX/XX/2018
My lender has placed lender placed flood insurance on my unit even though the flood insurance is not required. My insurance officer has submitted the requested forms twice now and still they have placed the insurance on my account. XXXX times there forms were submitted were within the window the lender had given to submit these documents. 
My fear is that they will play a game with my mortgage and will try to access extra fees and place my mortgage in jeopardy and therefore my credit.
I have tried to dispute this account previously. I have no contract with this company. The company reporting the credit item and it has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me.
In XXXX I applied for and received a Verve credit card. On or about XXXX XXXX, 2016 I called and cancelled the card. I never activated the card and made no payments and I was told I would therefore owe nothing on the card. Nevertheless, on or about XXXX XXXX, 2016, I received a letter from Continental Finance indicating that I had a balance of {$120.00}, with a minimum payment of {$35.00} due on XXXX XXXX, 2016. 
When I called the customer service number from the back of the card, XXXX, I was told by the automated teller that the balance on the card was {$0.00} and no payment was due. I have been unable to reach a Continental Finance representative to discuss the discrepancy between the content of said letter and the information provided by the automated teller.
To whom it may concern, ProCollect Incorporated has violated the Fair Debt Collection Practices Act. 

Section 805 ( c ) : states that collection agencies must cease contact upon request, unless further efforts by this company are being terminated. 

Section 806 ( 5 ) : states that a debt collector may not engage in any conduct of which is to harass i.e. causing a telephone to ring continuously. 

Section 807 ( 5 ) : States that a debt collector may not threat to take action that can not legally be taken. 

Section 807 ( 8 ) : States that collection agencies must report that a disputed debt has been disputed. 

Section 809 ( b ) : States that if a consumer notifies the debt collector within the thirty-day period ( a ) that a debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt. 

Be advised that claims made by the creditor have not been validated, and have been disputed twice, while collection efforts continue. Since notifying this company that I was aware of these violations, they have sold the invalid debt to another collection agency. 

ProCollect Incorporated has committed acts of harassment and abuse of discretion, or otherwise not in accordance with federal law.
Have put att on even after power and utilities commission told them to take off Then put att back on and refuse to take off even thou its thru another company that is not original debiter they have refused for 4 years to take of lates of XXXX/XXXX/XXXX / XXXX and XXXX late payments even thu i have sent them all documents proof many times over they show my student loan twice and that it is not paid off XXXX owed they show half of credit limits and have XXXX limits and XXXX balance they XXXX limit and up to XXXX balance that they need to send all companies over the last 4 years new credit reports with an apology to me and company for not complying to federal and state regulations. 
That they have had information and letters rom fed and state agencies sent to them many times over and they take off then put right back on when they no better and have cost me XXXX in time copies certified mail and countless complaints over and over for the same thing for years
XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
I currently have XXXX Private Student Loans with Navient. 
The combined original amount was {$8400.00}. I have been paying 5 years on these loans at about {$110.00} per month. 
The current loan balance is {$9600.00}. I have contacted Navient regarding my balance they are very vague and unwilling to give full details how much is applied to principal and unwilling to agree to a lesser pay off amount. It seems no matter what I pay the pay off date will be XX/XX/2025 and I want to pay them much sooner and Navient is unwilling to work with me or give me details of how interest is compounded.
Cedar Financial claims that I, XXXX XXXX, owe them {$430.00} ( recently reduced from {$970.00} ) in alleged traffic violations that supposedly occurred in XX/XX/XXXX in XXXX, XXXX. 

I did not receive any notification of these infractions unlit Cedar Financial reached out to me in XX/XX/XXXX. More than XXXX years after the alleged infractions. 

My concern is that I had no opportunity for due processes in any XXXX legal system before being found guilty. I do not believe that Cedar Financial has any legal grounds to collect these alleged fines. 

Allowing private XXXX debt collection firms to collect debt on behalf of notably less than perfect foreign governments, without due possess that is guaranteed me under the 14th Amendment and that is also guaranteed all those traveling to the XXXX under the XXXX XXXX XXXX XXXX XXXX, Article XXXX, is setting a dangerous precedent. 

I was advised make you aware of this occurrence and will also be seeking advice from the XXXX office. 

Cedar Financial did provide some documentation and the name of a Compliance Manager, XXXX XXXX. Her telephone number is XXXX. 

I support this claim with the attached documents. 

Files # 's XXXX, XXXX, XXXX.
The debtor is Sterling Jewelers, their XXXX number is XXXX. 
They do not leave messages and they implore several numbers across the US. Different states and cities and again they do not leave messages and in some cases the number does take call backs.
A garnishment attached to my payroll check in XX/XX/XXXX and paid in full in XX/XX/XXXX based on the payroll record. The attorney ( XXXX XXXX XXXX ) reinstated the garnishment XX/XX/XXXX stating he never received all of the payments. He stated that payments were only made to him up until XX/XX/XXXX. My employer ( XXXX ) has not provided requested information showing me who the payments were made to and when. The attorney refuses to go to the courthouse to check to see if the payments are there and have not been applied. He stated he checked the electronic records and they were not there and the only way to know if there were received and not applied ( which he said the court does ) was to go to the courthouse. I asked him how soon he would be going to the courthouse and his reply was " not for 3 or 4 months ''.
EQUIFAX IS PULLING THE SOCIAL SECURITY & NAME OF MY SISTER INSTEAD OF ME. ALL OF THE TRADELINES PULLED BY EQUIFAX IS FOR MY SISTER. 

1 ) OUR NAMES ARE VERY SIMILAR INCLUDING THE MIDDLE INITIAL 2 ) OUT SOCIAL SECURITY NUMBER IS DIFFERENT BY THE LAST 2 DIGITS. 

3 ) FOR SOME REASON EQUIFAX HAS BLENDED OUR CREDIT REPORT AND SO ALL OF HER INFORMATION IS PULLING AS MINE. I HAVE TRIED TO CONTACT EQUIFAX SEVERAL TIMES VIA WRITING AND PHONE CALLS WITH THEM NOT FIXING THE ISSUE ON THEIR END 4 ) XXXX AND XXXX SHOW CORRECT INFORMATION
Huntington Account for my conventional RE mortgage is shown as Included in Bankruptcy with no balance shown, but it should be reporting as good payments because I reaffirmed the debt.
The consumer received a letter from a law firm disclosing as a debt collector trying to collect a debt. I have no known transaction or contract made with this company.
I needed my online account unlocked, but was told I have to have a PC. I said I do not have one, only mobile, and followed directions to the desktop version on my mobile phone. The directions did n't work and I told the rep that without electronic access, I would need to close the account. I was then told there would be an annual fee and service charges for closing the account. I stated that I had never been charged an annual fee. I was also told I would lose store discounts and could never have another account. The rep closed the account, but I felt threatened and do not know what extra fees I  may  have on my final bill. I do n't think I should be charged service fees for closing my account. I spoke with the company today and attempted to call the corporate office. They have not called back yet.
Since XXXX XXXX, 2017 I have asked XXXX XXXX XXXX and the credit bureaus that they formally substantiate all account history data XXXX XXXX XXXX transmitted to credit reporting agencies for me, regarding the suspicious account. My letters have largely been ignored by each credit reporting agency. I have not received an answer. They have all failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX XXXX and the credit reporting agencies are being willfully non-compliant in my request for verification of debt. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
On XX/XX/XXXX, I called Navient Solutions and spoke with XXXX ( Service ID XXXX ). In the phone conversation, I requested information about my loans Navient Solutions holds. Specifically, I requested the Group number, Loan ID number, and balance. XXXX then tried to convince me that the Loan ID and Group numbers were the same. Anyone with a first grade level of education can tell you that this is not true. Comparing the data on my XX/XX/XXXX, statement, Loans 1-06 and 1-07 are in Group 5. As a first grader can tell you, the number 5 is not the same as the numbers 1-06 and 1-07. However, I thought there was 3 loans that Navient had under their control. So the question still remains. What is the group number, loan ID number and balance? 
I attempted to retrieve this information by writing Navient a letter on XX/XX/XXXX. Navient responded on XX/XX/XXXX, refusing to answer the question by mail. 
With no credible way to obtain information about my loans by working with Navient directly, Im left with no other option but to seek assistance from the CFPB. Per a letter to the Honorable Senator XXXX XXXX and I, to make a payment to a specific loan, you must concatenate the Account number, Group Number, and Loan ID. Please send this information to me.
I am an executor of an estate. The beneficiary of real property under this estate is a " successor in interest '' of real property encumbered by a mortgage held by PNC Mortgage. I have provided PNC mortgage with all information requested to validate the beneficiary as a " successor in interest, '' including the Will of the deceased which clearly indicates that the beneficiary is the recipient of the real property. I have now spoken with at least 7 representatives of PNC and have gotten no where. 

PNC Mortgage insists that I as the executor of the estate need to execute a third party authorization form to grant the beneficiary access to the mortgage information. In accordance with the Mortgage Servicing Rules and effective XX/XX/2018, an Successor of interest includes a transfer to a relative resulting from the death of a borrower.
I have a private student loan since XX/XX/XXXX with Wells Fargo. Since I started paying back the loan a few years ago in XX/XX/XXXX I was always on time. In XX/XX/XXXX after I became a parent, I called Wells Fargo to know if they can postpone my monthly payments for 3-6 months while I gained back my financial strength. They're resounding answer was No. My other student loan providers gladly worked with me on this. As of some time ago, I called Wells Fargo again and they still said no, granted that now some of my monthly payments were not on time due to financial struggles. My balance in XX/XX/XXXX-XX/XX/XXXX was roughly 12K and  since I graduate 7 years ago it is a little over 10K which was another reason for my call. I pay a bit more than the minimum and the balance never seams to go down in comparison to my XXXX loan which was almost the same and I owe my less on that one. Overall, I think Wells Fargo was not usually the best practices with consumers.
I disputed a charge with a merchant that sold me counterfeit and defective goods.  Chase i nstructed me to contact  XXXX  to get their opinion that the goods in questions were counterfeit. Specifically, I was told that all I needed was a representative to confirm that the goods appeared fake. I contacted  XXXX  and was told by their representative that the merchant was not an authorized retailer and that the goods in questions looked counterfeit. I submitted this to  Chase, but Chase then closed the dispute in the merchant 's favor because they had not received the requested documentation ... which I had provided. In their rejection letter, they also claim they are not able to identify that the merchandise is counterfeit. I contacted Chase  and was tol d I would have to submit a request to have the dispute reopened in writing. I did so and included all information that Chase had requested from me since Day 1 of the dispute. Chase then told me I needed to submit proof that the merchant would not accept a return. I contacted the merchant and the merchant confirmed in writing they would not accept a return. I submitted this confirmation to Chase through their online portal. A month later Chase sent me a letter saying they would not protect me in this case because too much time had passed, and they could not recoup the money from the merchant.   <P/> I   disputed this charge last year, and Chase has dragged it out for months and months by requiring additional arbitrary information from me on an incremental basis.
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Additionally, Chase has not communicated with me in any way other than regular mail. No information is available through their online dispute portal or online communications portal other than automated responses along the lines of " We have received your message and are investigating your dispute '' ... Mail from Chase looks like any other piece of spam mail. Further, Chase never makes me aware that    they are sending me any correspondence via regular mail, thus I do not know to look out for it. I am a digital customer ; why encourage me to go paperless if your dispute process is entirely paper-based?  <P/> 
This is infuriating. Chase had every opportunity to side with the customer from Day 1 of this dispute. I have provided everything requested.
I am filing a complaint against Bank of America credit card which I used to pay for services to XXXX SEWER SERVICES. The vendor provided inadequate service, and despite repeated calls to the vendor I could not get help with the work they did in my bathroom. On XXXX, the said vendor, XXXX, worked on my toilet flush the was not working, but the problem was not corrected. XXXX sent over a unqualified person to work on my toilet. He could not fix the problem and had to call in support to help him replace a simple flush valve. Not only did this operation take two hours, but the problem was not solved, now the toilet began to leak. I called XXXX several times but I was not helped. I therefore had to get an estimate from another vendor, XXXX, who not only fixed my problem, but I paid almost a XXXX of the cost XXXX charged me. When I reported the problem to Bank of America, they wanted me to produce evidence of the defect. I sent hem a copy of the estimate given to me by XXXX XXXX, but Bank Of America did not help. I am writing to have my credit charges reversed. 
Thank you.
I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company " SYNCB/XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
I received a copy of my credit report. There is a address listed I never heard of & the spelling of my name is incorrect. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX XXXX XXXX have never been used by me. I have never lived in Michigan, nor have I ever gotten credit there. I have no idea who the person/persons are. XXXX XXXX XXXX was refinanced on XX/XX/XXXX, while I was under wage earner. I was discharged XX/XX/XXXX from wage earner. The new loan was with XXXX XXXX servicing. Someone had that account transferred/sold.
I disputed reported late payments from child support office to Transunion. The late payments were taken off my credit report by Transunion on XXXX XXXX, 2016 and told me their investigation was complete and items were removed from credit report. However, on XXXX XXXX, 2016 they added these late payments back to my credit report and are telling me these late payments are reporting correctly. I have called the Office of the attorney General and they told me that they have not reported anything to Transunion after the resolution date of XXXX XXXX 2016 removing late payments from credit. 
If The OAG did n't report anything after XXXX XXXX, 2016 how is Transunion saying this is reporting correctly and add it back to my credit.
Submitted for a modification numerous times constantly being told documents are not being approved with no explanation as to why. Have submitted a complete package to my lender at least 12 times if not more.
On XX/XX/XXXX I was sent three transactions totaling XXXX on my XXXX   app for business. The first transaction went through with no problem the next day and was in my account that morning as was told and expected. The other two which were immediately right after each other to and from the exact same account, one for  {$500.00} and the other for {$700.00} are being held for no reason. Ive ovfered to submit my id for verification, cancel the transactions and everything but they are refusing to give me my money and on top of that the customer service is completely rude and laughs at my distress. Nobody can tell me why I got one but not the other 2 and this is a lot of money. I see now they are being sued by several people for shutting down accounts and keeping funds just because.
I am having trouble with Herbies Auto Sales. We purchased a vehicle in 2014, to find out that it is not a purchase but a lease. They charged us for a 24month/XXXX warenty and the vehicle had XXXX miles on it. Their is a law suit against these people already for the time frame we received our vehicle. I need to know who to contact in this regards. They are also charging us almost double the amount that we were told.
I filed Bankruptcy in 2017. This lady called my work a few times ( after being asked not to ) threatening me, cursing at me. She would not say where she was calling from, expect I owe and they will continue to call me and garnish my wages. She threatened myself at work on my phone and a coworker.
Freedom mortgage has been double charging me interest escrow and misappling my monthly mortgage payements and refuses to give me proper accounting ( that 's understandable ) and despite several requests has failed to rectify the situation and even now ( an example ) my XX/XX/2015 payment reflects double charges and they claim that that 's proper! I demanded proper accounting of all payments since they took over the loan! Which I got this btoken down stuff that shows entry after entry where they split the payment into multiple things which do n't make sence because I send one check a month which should show total received, interest charges, escrow charged, principal applied, ending principal balance which their accounting it statements they send you CANT UNDERSTAND
For the past few years, I have been making payments on my student loans through the IBR system. I applied for REPAYE, which would reduce my monthly payments from about {$410.00} to {$270.00}. Before starting my REPAYE payment scheme, however, they charged me a single month on a 10-year repayment plan. This was {$1600.00}. They never told me that this would happen. It completely negates the monthly cash flow advantage of switching to the REPAYE program.
In late XX/XX/XXXX, Chase Bank sent a statement to my home indicating my savings account had an opening balance ( XX/XX/XXXX) of {$9.00} and a closing balance ( XX/XX/XXXX ) of {$0.00}. There was an withdrawal, not by me, of {$9.00} on XX/XX/XXXX. The transaction detail labeled the withdrawal as " Unclaimed Property State Remittance. '' I called the bank to ask for that the confiscated money be returned to me. I did not care if the account had been closed as I rarely used it anymore. ( It was set up for convenient money transfer to my son in college ). But I did n't think it fair for the bank to simply abscond with my {$9.00}. 

I made the first call within a few days after reading the statement. After a long telephone runaround, they told me the department to deal with this was closed and I should call back.

I called back on XX/XX/XXXX and again asked that my missing money be refunded. I sp

oke to four people on a call that took some 50 minutes of my time. The last representative said I must go to a branch. She said the nearest branch is in Arizona -- a six hour drive! That was how Chase refused to solve an issue of its own making. I now want my {$9.00} back. I also want to be reimbursed {$300.00} for the two hours of professional time wasted on this ( m
y freelance rate is $ XXXX/hr

). And I want an apology for how a ) I was never advised they wished to close my account, b ) I was routed all over their company with no resolution, c ) I was insulted by their suggestion I drive six hours to a distant branch, and d ) I had my money confiscated for no good reason. Thank You!